If I'm just casually thinking about something. In other words, it is a subject that does not require too much to come to a conclusion, then I actually think in words. That process can provide a solution almost immediately, to taking several minutes.
If I'm thinking about something that requires a lot of cognitive function, then my mind essentially goes blank. Either I no longer think in words, or the memory of what I was thinking about is not laid down in long term memory until I come to a conclusion. Or if my "sub-consciousness" took over the heavy lifting and my cognitive functions were left out of the loop. I honestly have no idea, but if it is something I am truly concentrating on, I will have no actual memory of the thought process that brought me to a conclusion.
Some of the most confounding things that I have had to think on, I literally slept on it and had a finished thought when I woke up. I have done that several times in my life. Again, not sure if it was just that I needed rest, or if my brain actually worked the problem while asleep and delivered it when I awoke.
Donate money to your local food banks, homeless shelters, or any other non-profit that has a good reputation for assisting those in need.
If someone approaches you asking for money, absolutely under no circumstances should you give it to them. Be sure to say that you do not carry cash to give them. Then if you are feeling that you need to give to them, then offer a meal or buy groceries using a credit card. You'll find that most of them will decline.
They are using YOUR GUILT to get their next drug fix most of the time. That guilt is artificial and the result of manipulation techniques they are employing against you. It is rather contemptible to be perfectly frank.