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wildfluffyappeared · 6 years

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The next installment in my as-of-yet untitled Doki Doki Lit Club fanfic. Part 1 of 2

*Natsuki's POV*

The bell rang, announcing the end of the school day. Natsuki packed up her things and started heading out of the classroom. Suddenly, she felt a vibration from her phone in her purse. She pulled it out and checked it, to find a text message from Monika. "Club back on today, MC n Sayori r back, informal meeting, Sayori wants 2 talk 2 us" was all the message said.

The club meetings had been canceled for the past couple days, ever since MC and Sayori had bailed on the festival. Apparently Monika had been the only one they'd talked to? Natsuki couldn't help but be a little irritated. MC had her phone number, after all; if something had happened, couldn't he have had the decency to at least tell her personally? It was really rude to make her so worried. Not that she'd actually *admit* she was worried, mind you. She'd just get ridiculed for her feelings when everything turned out to be fine, and she got enough ridicule from everyone in her life as it is; she didn't need it from the club members too.

She texted Monika back a quick "omw" and headed to the clubroom. On the way there, she ran into Yuri, and they walked to the clubroom together.

"So what do you think's gotten into MC and Sayori?" Natsuki asked.

"To be honest, I'm not entirely sure. And... please don't laugh at me, but... I'm a bit concerned. After all, that premonition I had, about the stagnating air foreshadowing terrible events, before the festival was very unsettling, and... both MC and Sayori have seemed somewhat out of sorts lately..." Yuri mumbled back. "I'm sorry, Natsuki, you probably aren't concerned with my feelings, I'm rambling again..."

"No, no," Natsuki said, "it's fine. I-I didn't want to say anything but I was... kinda concerned too. Thanks for opening up, Yuri, I know that's not easy for you," she joked with a smile. Yuri blushed and turned her face away as they continued walking to class. *She's cuckoo for Cocoa Puffs, for real,* Natsuki thought, but didn't say anything.

The two arrived at the clubroom to see Monika, MC, and Sayori sitting at a table together. It appeared that MC and Sayori were holding hands, but Sayori's face seemed... different somehow. It took Natsuki a moment to realize what had changed: *I think this might be the first time I've ever seen Sayori not smiling...* she thought. The sight seemed almost unnatural and vaguely unsettling. Shaking off the apprehension she felt, she and Yuri sat together at the table.

"Okay, everyone!" said Monika, but her usual cheeriness seemed shaken somehow. Her voice sounded hoarse, as if she'd been crying. "Today's not an official meeting, so don't worry if you don't have a poem for us! Sayori just wanted us to come because she wants to talk to us."

"That's right," Sayori mumbled. "Thank you for getting everyone here, Monika. I wanted to talk to everyone because you're my best friends, and I've realized I can't hide everything from you all anymore. I used to try to keep everything inside, afraid it'd be selfish to burden you all with my feelings. After all, why should I make you worry about me, when you could be spending that energy on more important things? Ehehe~" she seemed to fake a laugh.

Natsuki was already stunned. She'd never heard Sayori speak like this before.

"But... something happened and I need to talk to all of you about it. The reason MC and I have missed school lately is... my depression was really bad this past week. It got to the point of overwhelming me. And on Monday morning, I..." Sayori's voice cracked and her eyes teared up.

MC squeezed her hand tightly, and said softly, "It's okay, Sayori, I'm here. It'll be okay."

Sayori took a deep breath. "On Monday morning, I tried to... end it. My life, I mean. I was on the edge, I was about to do it, when MC found me. And I realized... as selfish as I'd feel for burdening everyone with my feelings, it wouldn't compare to the pain it would put everyone through to lose someone you all see as a friend. Even if I don't really understand why I'm apparently worth something to you, I still couldn't put you all through that. I've been out of school these past couple days because I've been getting some help. My parents took me to a doctor, and I've been officially diagnosed with depression now. I've got a prescription for antidepressants and therapist appointments every Tuesday after school. So, I'm sorry I won't be able to make it to club on those days," she said, putting on a sad smile. "MC has been absent because he's been with me as much as possible. I didn't want to be alone without him, and he was afraid to let me out of his sight. But we're back now, and I think I'm going to be okay. I just wanted to let everyone know that I'm getting help now, so you won't worry about me as much, okay?" She smiled softly.

Natsuki was completely shocked. She'd been able to tell that Sayori had been having a rough couple days last week, but she'd had no idea that it was THIS bad. *And to think of all the insensitive things I probably said in front of her... and how impatient I'd get with her on occasion...* Natsuki thought. She was vaguely aware of Yuri standing up and rushing out of the room, crying softly. Natsuki was concerned for Yuri, but honestly Sayori was a bigger concern right now.

"Sayori..." Natsuki started to tear up herself. "Sayori, I'm so sorry, I had no idea. I..." She started sobbing, and it was hard for her to speak. She'd never let her walls down in front of everyone like this before. "I know how hard it is to really open up about your feelings like that, Sayori. But... you can always talk to me okay? So don't go doing something stupid because you feel like you don't have anyone who cares about you!" she forced herself to say quickly. Natsuki felt bad for sounding so angry, but she didn't really know any other way to express herself. She walked around the table and took Sayori in as tight of a hug as she could manage. "Because you do have someone to talk to. And that's all of us! We love you, Sayori. And... thank you for being here." Natsuki turned to MC and hugged him tightly too. "Thank you, too. For saving my friend," she whispered.

MC hugged her back. "Natsuki... thank you," he said. He didn't really seem to know what else to say. Natsuki could tell he'd been shaken by these events too.

"Okay, everyone, with that I think we can dismiss this meeting. Sayori, thank you for sharing with us. I'm very glad you're alright. And thank you, MC, for taking care of her. The meeting's over, so we can leave now." Monika hesitated a moment, as if unsure of what she was about to say, before adding, "MC? Can you please wait behind a moment? I'd like to speak to you for a moment."

"Umm, sure," MC said. "Sayori, wait outside for me okay?"

Sayori nodded, and she and Natsuki left the room. Outside the clubroom, Natsuki spoke softly to Sayori. "I really meant it, you know. It's hard for me to be real like that with my feelings, but I love you Sayori. You're like a big sister to me, and... I'm always here if you need anything." She tightly embraced Sayori.

Sayori hugged her back, and said "Aww Natsuki! Thank you so much. I always saw you as a little sister too, so it means a lot for you to support me like you are. It's hard, but I'm trying to remind myself to see my worth and what I mean to people. So thanks for reminding me." She stopped for a moment, before saying "I noticed Yuri left. She seemed really overwhelmed, do you think she's okay? Maybe I should go look for her..."

Natsuki said, "No no no, MC told you to wait here! He'll be terrified if he can't find you. I'll go look for Yuri okay? Just... be safe, Sayori. And MC's got my number, if you need to talk to me just ask him for it." She ran off to find Yuri, glancing back at Sayori as she did. Sayori seemed to be okay for now, patiently waiting for MC and Monika to finish their conversation.

Now where to find Yuri... Natsuki knew that when Yuri got emotional, she sometimes liked to hide and be alone. But after what had just happened with Sayori, Natsuki was reluctant to leave any of her friends alone during times of emotional distress; Sayori at least had MC, but Yuri really had no one right now.

Natsuki checked a couple of empty classrooms and found nothing. "Maybe the bathroom?" she said aloud. As she walked into the closest bathroom to the clubroom, she heard the sound of someone crying. *That's gotta be Yuri,* she thought, and rushed in. She was right, Yuri was there. She was kneeling on the ground, tears pouring from her eyes. And as Natsuki watched, Yuri pulled a knife out of her purse. She brought it to her wrist, before inhaling deeply as she made a shallow cut, sobbing harder as she did so.

"Yuri! What the hell are you doing?" Natsuki yelled.

*to be continued*

#doki doki literature club #ddlc #ddlc fanfiction #ddlc yuri #ddlc sayori #ddlc natsuki #ddlc monika #writing #my writing #me

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alounuitte · 6 years

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complicated chemistry

Phil's not really sure about this whole "treatment" thing, but since it turns out getting better isn't as simple as finding a happy ending, maybe it's worth a shot, at least. (Set ~eight months after February 2.)

chapter warnings: discussion of suicide, referenced prescription drug abuse

read on ao3, or

The waiting room is small and stuffy and smells like a closed flower shop, with a fish tank set into one wall and the others all lined with flavorless abstract art. A sense of dread presses heavily on Phil’s shoulders as he enters, and he grimaces, turning up the collar of his coat. He does not want to be here. He didn’t want to come in the first place, and the only reason he doesn’t turn and walk out before he even sits down is that his nerves are easier to swallow than his pride.

He slinks across the room to slump down in one of the ugly vinyl-covered chairs in the back corner, keeping his head down. The only other people here are a woman maybe a little older than him with her nose buried in a magazine and a surly-looking boy who must be in college, neither of which have spared him a glance.

At least there’s that, he thinks gloomily, hunching his shoulders as he looks around the room. This is bad enough without anyone recognizing him - though he’s sure the receptionist who checked him in looked at him strangely. Probably trying to figure out if he’s that Philip Connors, or if by some wild coincidence there just happen to be two people with his name in Pittsburgh.

There are footsteps in the hall, and he glances up to see a woman enter the room. “Justin Harper?” she says. The surly boy grunts and gets to his feet. Phil goes back to staring blankly at the fish tank, watching a bug-eyed goldfish ram itself into the glass.

Pride is starting to seem less important the longer he sits here, to be honest, and the seventy-five bucks he’d pay to cancel isn’t such a high price to avoid…whatever this is going to be.

He can’t go through with it, he decides, and moves to stand up, but just as he gets to his feet a man in glasses appears from the hallways, and says, “Philip?”

“Oh, God,” he mutters. “Yeah, that’s me.”

“I’m Dr Weltstein,” the man says, offering his hand. “Nice to meet you.”

“Uh huh,” he says, unable to muster any more enthusiasm. He should never have agreed to this, but it’s a little too late now.

“Come on back,” the doctor says, and for a moment he seriously considers just bolting for the exit. Instead he shoves his hands in his pockets and trudges after Dr Weltstein.

The office is just as crowded and stuffy as the waiting room, but at least it doesn’t have the same cloying scent of dust and dying roses that was smothering him so badly. He sucks a breath in through his teeth and lets it out as he drops onto the sofa.

“So, what brings you in today?” Dr Weltstein asks as he sits down in the armchair across the room with a pen and a clipboard in hand.

“Uh,” Phil says, scratching the back of his neck. “Well. I guess I…have…”

He trails off, grimacing, and casts the doctor a sideways look.

“Depression?” he says finally, and looks away.

“Okay,” Dr Weltstein says, his pen scratching on the clipboard. “I’m glad you came in to see me. Have you seen a therapist about this yet?”

He frowns. “Was I… supposed to?”

“Not necessarily,” Dr Weltstein says. “I recommend it for most of my patients, since the majority find a combination of medication and cognitive therapy to be the most effective, but it’s not a requirement.”

“Okay,” Phil says. “Uh, good. I mean - look, my most recent experience with doctors haven’t been great, so I’m a little… skeptical, let’s say. About this whole…thing.”

“Understandable,” the doctor says, nodding. “We’ll start by talking a little about what you need, and go from there. Did you have any other concerns you wanted to go over?”

He shrugs.

“Okay,” the doctor says. “And have you taken any kind of medication for this in the past?”

“Not… for depression,” he says carefully.

“For something else?” Weltstein asks.

“Uh, Xanax,” he says.

“Sure,” the doctor says. “Do you know what diagnosis you have?”

Phil stares at him blankly. “Um…”

“It’s fine if you don’t,” Weltstein says. “I’ll take a look in the system later. Let’s talk about that first, and then we’ll get into your depression and see what might help you.”

“Okay,” he says reluctantly.

“About how often do you take Xanax?” the doctor asks.

“Once or twice a day?” he says. “Maybe more on really, really bad days.”

Dr Weltstein raises his eyebrows, peering at Phil over his glasses. “And this is every day?”

“I mean, not every day,” he says. “It’s supposed to be as needed. Some days I do okay without it, it’s just when things get…”

He gestures vaguely. Dr Weltstein frowns and makes a note.

“Have you tried any other medications?” he asks. “Anything prescribed daily?”

“I mean, I took Adderall in high school,” Phil says. “But that was, like, twenty five years ago.”

“Alright,” the doctor says, making more notes on his clipboard. “But never an anxiolytic?”

“A what, now,” he asks flatly.

“A medication to treat anxiety,” Weltstein clarifies.

“Okay, well,” Phil says, holding up his hands. “I wouldn’t say I have anxiety.”

The doctor gives him a look over the rims of his glasses. “Philip -“

“It’s just Phil,” he cuts in.

“Phil,” concedes Weltstein. “I understand you’ve had unpleasant experiences, but it’s going to be difficult to treat you if you won’t at least talk in general terms about your mental health.”

He sighs through his teeth and tips his head back to look at the ceiling. “Right,” he agrees, and swallows hard. “Okay. Uh. Fine.” He screws his eyes shut, trying to steel his nerve. “Depression and anxiety, then.”

“And you’re managing your attention-deficit well enough without medication?”

He shrugs. “I guess so?”

“It sounds to me like you’ve been taking Xanax to manage a generalized anxiety disorder,” the doctor says. “I think what would be best for you is to stop taking it for now.”

Phil laughs sharply. “Sorry, what?”

“Benzodiazepines lose effectiveness over time,” Dr Weltstein says, “and they’re not really meant for daily use. I want to start you on something that’s more effective day to day, and we can talk about you going back on Xanax or another medication for serious episodes if you need it.”

“You’re crazy,” Phil tells him. “I need it. I’m a wreck otherwise, things get too fast, or too big, or too much and I do - weird neurotic shit. I go nuts.”

“If that’s happening on a daily basis, I want you on a long-term medication, rather than a fast-acting as-needed one,” the doctor says patiently. “That will help manage your anxiety on a consistent basis, and if you’re still having panic attacks -“

“They’re not panic attacks, it’s just -“

“- you can take a stronger sedative, less frequently, with better effect -“

“Listen,” Phil shouts, leaning forward. “Dr Weltstein. I’ve been taking it since I was, like, twenty after I fucking lost it halfway through a semester. I yelled at my roommate and wrecked half of my stuff. I skipped class for three days straight to play Megaman and couldn’t eat anything except popcorn. You cannot take me off that medication.”

“Phil, I’m trying to find a solution that’s going to help you more,” the doctor says, taking off his glasses to rub the bridge of his nose. “But I need you to work with me, here. Can you do that?”

He takes a deep breath and lets it out, resting his face in his hands. “Can’t I keep taking it while I start a new medication?” he asks, peeking between his fingers.

“If you’ve been taking it daily for so long, I’m not going to take you off of it cold-turkey,” Weltstein says. “I want you to go a week only taking it once a day, and then go down to half a dose for a few days before you stop taking it.”

“And you’re going to start me on something to help after that?” he asks.

“Well, I want to talk a little bit about your depression to help decide what will help the most,” Weltstein says. “Especially since you’ve never been treated for it before. How long has this been going on?”

“Uh,” he says, unsure how to answer that question. He can’t exactly explain how long it’s been when it was only since February. Although -

“Just an estimate is fine,” Dr Weltstein says.

“A few years,” he lies.

“Any family history?” the doctor asks, looking down at his clipboard.

“Oh, boy,” Phil mutters. “Uh, my mom, yeah. Since I was a kid.”

Dr Weltstein nods. “And any thoughts of self harm or suicide?”

He grimaces and balls up his fists, nails biting into his palms and keeping him grounded. “Um. Yes, I guess.”

“Any past attempts?”

Oh, Lord, he doesn’t know what he’s supposed to say to that. He swallows hard. “A couple,” he mutters without looking up.

“I understand this can be hard to talk about,” Dr Weltstein says. “Can you tell me about what happened?”

He shrugs. “Uh, took sleeping pills once. Drowned - well, tried to drown myself.” God, he must sound either stupid or crazy. Probably both. “Slit my wrists. Not very well, obviously.” He realizes how that sounds and quickly corrects himself. “I mean, which is good. Still here. And doing a lot better, uh, for - for the most part.”

Except for how a couple of weeks ago he had a breakdown and almost took a high dive off the top of his building, but overall. In general. Most of the time.

“Well, I’m glad to hear that,” the doctor says. “But I am concerned about the risks of starting an antidepressant. They can increase the chance of suicide, and given your history, I think we should be a little extra careful while you get adjusted to it.”

“Right,” he says. “So…”

“You live alone, Phil?” Dr Weltstein asks.

He frowns. “Uh-huh.”

“Hm,” the doctor muses. “Do you have any friends or family you could stay with while you’re starting a new medication? I’ll try to see you shortly after you start, and we have staff on call for emergencies, but it would probably be safest for you if you had someone around.”

“Um,” Phil says, frowning. “Can I get back to you on that one?”

“Sure,” Dr Weltstein agrees, and gives him a kind smile. “I want you off the Xanax before we start something new, anyways. I’d like you to come back in two weeks, after you taper off it, alright?”

“Yeah, I guess,” he says, reluctantly. The last thing he wants to do is have to keep coming back here. But he did promise he’d see someone, and try some kind of medication to see if it helps.

Hopefully Rita is willing to be part of the experiment, since she was so insistent he go through with this.

“Do you have enough Xanax now to do what we talked about?” the doctor says. “I can write you a temporary prescription just to get you through two weeks if you need.

“I think I have it,” he sighs.

“Alright,” Weltstein agrees. “If not, give me a call and I’ll put in an order. Is there anything else you wanted to cover before we wrap up for today?”

Phil shakes his head. “I’ll, uh…” he says as he gets up. “See you in two weeks, I guess.”

With that, he puts up his collar again and hurries out of the room as quickly as he can without running, desperate to get outside for a breath of fresh air and get home.

#groundhog day the musical #ghd #phil connors #willwrites #im so sorry this ended up being almost 2k words

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steviemillersdiary-blog · 7 years

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MY FIRST POST! -From the start (age 6) to my first section in a psychiatric unit.

May be triggering to some.

Hey, my name is Stevie-Lee Miller, but i prefer just Stevie. I’m 21, i was born 18th June 1995 and crazy bitch is my middle name.

I’ve been on a absolute rollercoaster when it comes to my mental health and sustainability. When i was around 6/7 years old, i used to get overwhelming feelings of sadness, emptiness, loneliness, you name it, i felt it. I didn’t understand why i felt this way as my family were wonderful, and people i went to school with never spoke of or seemed as if they were feeling the same so with my lack of understanding, i began turning sadness into anger. I understood anger. Anger was on TV, adults got angry, my friends at school would get angry, teachers got angry, i just understood it a lot more than sadness.

I began turning into a demon child, smashing up my room, my siblings rooms, my mums room, ok so basically i smashed up the whole house on a regular. I refused to leave the house, let alone go to school, i punched and head-butted absolutely everything until i either passed out or was restrained.

At the age of 11 and after a long 4 years of me hating the world and causing my family so much distress, i finally broke down and begged my mum for help. I was immediately put forward for Anger Management and i worked my ass off to try get control of this horrible demon in my mind, that stopped after around 2 years and my anger got better, i still struggle sometimes to keep it under wrap, and i do lose control sometimes but surely that’s better than before?

Well, kind of.. As i began to learn to control my anger, i also began to learn that it’s okay to feel sad and that everyone feels sad sometimes, so as i pushed one issue under the rug, many more issues began flooding out.

When i was 13 i began self harming, whether that was through cutting, burning, pulling my hair out, head butting things or food. When i started, it was MY thing, and no one would ever have to find out, i finally had control of something.. Well, so i thought.

(To those who think they have control over their self harm, whatever form, i promise you with every inch of my heart, that control will disappear and it will be difficult to stop.. So while you have control, don’t test it, stop NOW.. Before it’s too late)

A year later, my mum found out about my self harm and took me to the doctors, they refused to medicate me due to being a high suicide risk (some tablets can make you more suicidal) and instead, i went for counselling - which was pointless as i'd had a great upbringing and they were searching for a problem that wasn't there and CBT (Cognitive Behavioural Therapy). Sessions were going well, i was too miserable to care that much, but they were going okay, until my counsellor went on annual leave and i had someone fill in for her.

The conversation went something along the lines of:

"Hi, Stevie. I've read through your notes but i'd like to hear things from you, if that's okay?" "Yeah sure, what do you wanna know?" "Just a bit about yourself, please." "Umm, okay. I'm Stevie, I'm miserable, I self harm, I-" "OHHH you self harm, what do you use?"

I then went on to tell her what i used and how i did it and no word of a lie, she cracked up laughing and said "Damn, you must be determined!" To which i responded "No shit, why do you think i'm here?!"

I walked out and never went back. I went from age 14-17 with no professional help other than a prescription of Prozac from my GP. Due to both my mum and dad reacting awfully to Prozac, my mum wasn’t happy about this decision. I was clueless towards everything, to me, this pill was the answer to all of my problems...

Damn, i was wrong.

My mood began to elevate over the course of a few weeks, and it continued to elevate, my anxiety was crazy, but my mood? Fuck, it’d never been better! I continued going up up up up up up up until the 21st December 2012 - I had my first psychotic episode..

I now know that the reason for this is because someone with Bipolar shouldn’t be medicated with antidepressants alone, they almost always have to be either replaced or paired with a mood stabiliser, but because i had no mood stabiliser (They didn’t know i had Bipolar at the time) my mood continued to shoot upwards until it couldn’t go any higher.

I remember it like it was yesterday, fuckkk. I began having HORRIFIC anxiety attacks and had to be taken home (i was at a friends birthday) when i got home, the paranoia kicked in, i felt like someone was watching me. Everything escalated so quickly, next thing i know, i have people saying the words ‘you’ve got to get out, you’ve got to go, you know you’re not meant to be here” OVER AND OVER AND OVER AND OVER for hours! I was freaking, i could hear them, like as if someone in the room was saying it. I didn’t know what or WHO was real. My mum wouldn’t let me leave the house, all the doors were locked and my shoes were hidden - not that i really cared about shoes, - so i attempted to jump from my bedroom window but was caught and pulled back in. I wanted the voices to stop, i was scared, why me? What did i do to anger them? Where are they? I can hear them, but i can’t see anyone?

And that’s when the psychosis went from hearing things, to completely changing my reality.

My mums girlfriend (at the time) was trying to restrain me while my mum tried to humour me and i thought my mums girlfriend was a monster that had got in and was going to hurt me and my family..

So i grabbed a knife and launched at her with every bit of force i had.

Thankfully, she managed to JUST dodge the knife and i was tackled to the ground where i was held until a doctor come out and medicated me, sending me to snooze land until the next day.

I woke up with what felt like the worst hangover EVER. I was sooo tired, my muscles hurt, my head hurt, i had bruises and cuts, both self inflicted and not and i was scared. Everything felt like a bad dream..

After i woke up, my mum bought me in a coffee and explained that we had to go see some special people that were going to help me be happy again and after begging her to cancel it, i was put in the car and driven to the local hospital where i met with the Crisis Team (now known as the Access and Assessment team) being 17 and a half, i was given the choice between an adult psychiatric unit or a child’s one.. I refused both and was put on a section and given the same choice. I decided to go to the adults unit as it was only 20 minutes from my home, whereas the child’s unit was around 2 hours away.

That was my first ever psychiatric admission, it was fucking crazy and so much shit went on.. But i’ll save that for another blog.

If you’ve made it this far, thank you sooo fucking much for reading this and actually paying an interest in all of the rubbish i have to vent.

For those curious about Youtube, don’t worry, i’ll be back!!! I just have to focus on my health first which is why i made this blog.. And knowing people are reading it makes me nervous, but happy but still nervous. I’ll be posting probably all of the time, i’ll also upload videos that are like phone quality with little to zero editing. I will be using this as a diary of my life.

If you want me to write about certain things, or post about certain things or reblog certain things, just drop me a message! (There’s a button next to the ‘Follow’ button)

I LOVE YOU ALL SO MUCH THANK YOU FOR BEING MY FRIENDS AND SUPPORTING ME THROUGH EVERYTHING! I hope this blog can bring us ALL closer together, like a little family.

Tomorrow is a new day, smile.

I love you, Stevie xo

#blogs #stevie miller #steviemillerslife #love #mental health #bipolar #borderline personality disorder #bpd #psychiatry #feautured

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mccumbersalecsander93 · 4 years

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proverbs1728 · 4 years

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Mental Health Awareness Week 2020

Mental Health Awareness Week is a great opportunity to promote wellbeing. Mental Health Awareness is like health promotion - we are given information about what can make us poorly and how we can stay healthy.

It’s not telling us what to do. If it’s done right it is about making us aware of what might be helpful or harmful. Then we can have a bit of control and, of course, we have some responsibility for doing what we can.

Mental health and physical health are closely linked. One effects the other. Things like diet and exercise and smoking and alcohol and medicine are all part of our wellbeing.

Mental and physical health can be affected by our environment, say pollution for instance. There is strong evidence that our wellbeing is influenced by social factors like poverty, housing, employment and inequality. These are some of the things we could be doing something about.

This year, the Mental Health Foundation has chosen ‘kindness’ as its theme for the awareness week. I pricked up my ears when I heard this as it occurred to me that churches are places where kindness is something that can be found in abundance. Loving our neighbour is exactly our thing.

The Mental Health Foundation has an excellent website and it says

“Kindness can have real benefits for our mental health and wellbeing.’ They did a substantial online survey with yougov in April of 2020. 63% of UK adults agree that when other people are kind it has a positive impact on their mental health. The same proportion agree that being kind to others has a positive impact on their mental health.

What I take from this is that as individuals, groups, parishes and dioceses have a great deal to offer.

Let me set out my stall. As an Approved Mental Health Professional, I am the person who makes the decision about whether a person with a mental disorder is deprived of their liberty.

It isn’t an easy job and you couldn’t do it without coming away wondering if you have made the right decision. I will never forget a night when, as a trainee, I walked down the corridor at the Bradgate Unit with a woman who was to be detained. During that day I had heard about her experience of sexual abuse as a young person. Many, many years later she had children and was married to a man who worked for a high profile accountancy firm.

She had taken an overdose and was in the Royal Infirmary threatening to discharge herself so that she could take her own life. While I walked down the corridor with her I felt that this was a very poor response in a situation of desolation and desperation.

I am a provider of mental health services but, twenty years ago, I was an in- patient consumer of them as well.

It’s quite hard to say this. My head says ‘why, what’s the problem?’ but my heart feels strangely ashamed. I just wanted to say to you that I know how it feels to be told to smoke less or drink less or get more exercise. Back then I could not see how this might help and, frankly, it added to my sense that I wasn’t really being listened to.

Now then. Covid 19 and the lockdown have made life difficult. I keep hearing people talking about things getting back to normal. Folks are looking forward to watching the football, going out for a meal, gathering for worship. We mourn for the comfortable world from which we have been exiled. We weep as we remember Zion.

As for me; I’m very keen on folk music and dancing. Lots of events and gatherings have been cancelled and so lots of seasonal encounters with folky friends have been missed this year.

I’ve been working from home, queueing for my shopping, not able to visit my family or friends. My holiday in France had to be cancelled. An appointment for very minor surgery was postponed.

For many people the consequences have been very much more serious. People have lost their jobs. Others have not been able to receive the treatment they need for painful and life-threatening illness. Families have been separated. Many people have been confined to a life of loneliness and isolation. Some have died. Many are bereaved. Lock down has reminded us that we have many things to be thankful for.

Now I want to ask, is normal all is cracked up to be? I have some statistics for you. I’m not trying to convince you of anything except to say that we have a high tolerance level when it comes to some things that are ‘normal’.

The average person living in Europe loses two years of their life to the health effects of breathing polluted air.

Normal is twenty eight thousand street homeless people (according to the BBC)

Normal is that 70.9 million prescriptions for antidepressants were given out in 2018 (there were 36 million in 2008).

There were nearly 50,000 detentions to psychiatric hospital were made under the MHA in the year 2018 / 2019

Approximately 1 in 4 people in the UK will experience a mental health problem each year.

In England, 1 in 6 people report experiencing a common mental health problem (such as anxiety and depression) in any given week.

I could go on and on: addiction, crime, violence, painting a bleak picture. Actually, part of what the statistics tell us it that normal is ok for most people most of the time. Five out of six of us won’t experience a common mental health problem this week. We won’t be victims of abuse or lose our jobs.

I suppose that’s why we can get along with normal. As a species and especially, apparently, as a nation we like to carry on as though things are normal, even when they aren’t. We take statins, stimulants, anti-depressants, consume alcohol, blood pressure pills, sleeping tablets.

I noticed an advert on the tv the other day. Two blokes, who live next door to each other, go for a night out and get indigestion. One of the men has an effective, and no doubt expensive, remedy, which means he can start the process over again the next morning.

I’m not knocking normal. I just want you to think about it a bit. What then is it like if things aren’t normal?

The lockdown has shown us the world in a different light. Does anybody remember birdsong being so abundant and so sweet before? I used to be able to hear the M1 from my back garden but now it’s just birdsong. Were the birds singing before and I just couldn’t hear them?

Air pollution has dipped. The water is cleaner. It’s quieter. Road traffic has diminished to 1955 levels. People have volunteered to help the NHS in their hundreds of thousands. £33m raised by Captain, soon to be Sir, Tom Moore. I’m also hearing people saying we mustn’t go back to normal.

But not being normal also means being different. Different, like being a woman in a male working environment, like not having English as your first language, like being a member of the LGBT+ community in a heterosexually orientated world, like being a wheelchair user in a world of steps and stairs. Being reminded that you are different all the time is to feel excluded, like you are not wanted. Never at home.

And not being normal is, pretty much, how mental illness or ‘mental disorder’ is defined. But normality has changed and so being abnormal has too. It took until the nineteen seventies for western psychiatry to decide that to be ‘homosexual’ was not a mental illness.

The diagnosis of mental illness is different. There is no objective test, as there is for say, polio or meningitis. The presence of mental illness is identified by reference to a manual of classification.

This is difficult so please stay with me!

I quote from the International Classification of Diseases, ‘The phenomena used to diagnose schizophrenia include thought echo; thought insertion or withdrawal; thought broadcasting; delusional perception and delusions of control; influence or passivity; hallucinatory voices commenting or discussing the patient in the third person; thought disorders and negative symptoms.’

The doctor will make a diagnosis based on their interpretation of your symptoms. You could have several people with different sets of symptoms but the same diagnosis. Then another psychiatrist makes a different diagnosis. This happens a lot.

The treatment is anti-psychotic medication, which has serious side effects. Some additional observations here. One from a clinical psychologist, who said that knowing somebody’s diagnosis is about as useful as knowing their star sign.

Another writer, who has extensively researched anti-psychotic medication, suggests that you will get tardive dyskinesia, which is a bit like parkinson’s disease if you take anti-psychotics long term and that you are better off living with the psychosis than taking the medication. Sometimes I can’t tell if the behaviour of the person I am working with is caused by the illness or the medication.

I have endless respect for my psychiatrist colleagues. We can discuss treatment and plans. They bring their perspective and I bring mine. We get input from SALT and OT and nurses and psychology.

The treatment of mental illness is problematic because what is needed is time and space and that’s what we don’t have. The approach is driven by necessity, usually a crisis. We always seem to be firefighting.

The speed of life increases, social pressures increase and mental illness goes up too. We don’t have the resources or, as far as I can fathom, the will to sort out some of the social problems that contribute to mental disorder.

In a very large nutshell, this is how mental disorder works. It’s called the biopsychosocial model.

The biological factors are your genes, brain chemistry, immune response, environmental toxins and soforth

Psychological factors are attitudes and beliefs, learning and memory, coping and emotional skills.

Social factors are work, education, poverty, things like that

Each of us has strengths and weaknesses in these areas and different tolerance levels.

Some people cope with working and parenting and exercising and not smoking or drinking and burning the candle at both ends and they cruise their way through life.

Some people don’t. Some people work hard and look after family and they do this for years and then suddenly it comes crashing down.

Some people experience poor mental health from an early age, the opportunities diminish, the treatment takes its toll. There are combinations of all the above, as many as you can think of.

Since the latter part of the twentieth century there has been a move away from specialist provision like day care and long stay hospitals and much more of a move towards looking after people in their own homes. Sadly, we have now lost the concept of asylum. The huge Victorian hospitals with their acres of parkland have been replaced by pokey little units commissioned and designed by people who never imagined being looked after in one themselves

As in other health services there has been a move to help people to manage their own support and treatment. The focus is on developing insight and living with the condition. Attitudes to mental illness are more positive than they were last century but people with mental health problems still experience significant discrimination and prejudice.

Back to normality. In 1983, 66% of the population describes themselves as Christian. To be Christian in the UK was to be normal. In 2018, 38% of the population described themselves as Christian and 12% of these Anglican.

When I left school in 1983, it was nearly normal to be an Anglican. Nowadays, it’s not normal at all! Brothers and sisters you are beautifully equipped to take this forward. You are kind and you are abnormal.

What do we have to do? We have to be kind to ourselves and to other people. The covid virus has been awful for lots of people. It has been incredibly stressful for health and social care workers. It has been incredibly stressful for people who have been forced into isolation. There has been an increase in domestic violence. Who knows how much people are drinking. Non accidental injuries to children have increased. Services for homeless people, housing and benefits advice, drop ins closed. There is going to be a backlash. We were going to be clearing up for a long time and things won’t be the same.

Let’s be kind. Let’s be good Samaritans. The Mental Health Foundation has produced some lovely resources. There is no point in listing it all here. Get on their website. Share it electronically. You’re all internet savvy else you wouldn’t be here. It would be great if you could print some of this stuff off and share it safely with friends who are not on line.

There are so many suggestions but I think we should be getting on the phone to our friends and families. There are people I haven’t spoken to for soooo long. Get on the phone. Talk to people. Pray with them. When I have a minute I’m going to write a letter. I’d love to get a letter with a stamp and ink and everything.

My suspicion is that we are good at being kind to other people but not so good at being kind to ourselves. Make some me time. I know that it goes against the grain for many people. Take time just to be silent and pray for just a few minutes during the day. Do things you enjoy. Do something different, change your routine, just to see what it feels like.

Relax and reflect on how you’re feeling and how your day or week has been.

Pray and meditate.

Turn off from your social media channels for a day (or even a week).

Stop watching the news (although it is ok to have ‘Today’ on when Bishop Guli does ‘Thought for the Day’).

Treat yourself to something small, such as buying or planting some flowers. 

Spend some time in nature – pray outside.

And check how you are feeling. Get in touch with the doctor if you need to. Talk it through with a friend or call the helpline 0808 800 3302

Moving forward, the church is equipped to support people who have mental health problems. We have space, we have tea and we have compassion in abundance. I would really like you to go and think about how the church can help to support people to stay out of hospital and to get them out more quickly.

There is evidence indicating that the opportunity to practice your faith and contact your faith community is central to recovery and good mental health. We need to be talking to our local mental health trust to see what is needed. There are beacons of good practice and so we need to ensure that we know what’s going on in our locality so’s not to replicate or dilute good stuff that’s going on.

We need to think about how we welcome people who may be experiencing poor mental health when they come to church. Are we welcoming? Are we overbearing? Is there a message about mental health coming from the pulpit? In intercessions? Perhaps you could offer support to causes that would benefit wellbeing, showing our community that the church has many of the same concerns and putting our shoulders to the wheel.

To conclude. My wife and the cat and I have born isolation reasonably stoically. It has been like being in a tiny little ark, locked into our bubble while we watch the world drowning in chaos. When we went for a walk, I was struck by the number of rainbows; in windows, on the pavement. And I remembered

“ Whenever the rainbow appears in the clouds, I will see it and remember the everlasting covenant between God and all living creatures of every kind on the earth.”

So God said to Noah, “This is the sign of the covenant I have established between me and all life on the earth.”

And when I hear the birdsong I think maybe God has been present all along but I just didn’t notice in the busyness of daily life.

#mentalhealthawarenessweek #mental health

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captain-spookycandycollecti-blog · 6 years

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"cheap insurance for young drivers with modified cars

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i have health insurance through my job, but they do not offer dental.""

""How does this work, car insurance?""

I'm thinking of getting a new car soon and have checked out how much insurance it will cost with my current insurer.If i sell my current car before my insurance runs out, will i get a refund on what is left or will i just pay the excess on whatever is left for the new one? There is 70.35 difference a year for the new car compared to what i'm paying just now for my current car.I've never done this before, so i dont know what i'm doing really.""

Cheap NY auto insurance ?

hi there, i plan on buying a car soon but im a new driver and i have no one else to help me insure a car so i have no choice but to insure it on my own. I've checked and looked around geico, state farm, all state, and they were all to expensive, anywhere from 5-6k to insure the car for a year (way to expensive). So do any of you guys know any NY auto insurance companies that are affordable? Thanks""

How much would car insurance be for a new driver and a crappy car?

I got my liscense 2 months ago and have been saving for a cheap car on Craigslist; around $1500. I need to know how much I would have to pay annually for car insurance for like a mid-90's, 150K miles Nissan/Volvo.""

Why buy life insurance?

I'm married, have 2 young children and wonder why I need life insurance""

What's the cheapest car insurance for an 18 year old student with a 2002 jaguar X-type?

I'm an 18 year old with a jaguar X-type, no accidents, nothing bad, driving a safe car, I'm looking for an insurance that isn't crazy expensive, my dad with 3 cars pays $200 a month, I don't want to add $300 a month for 1 car! the lowest I've seen is acceptance Insurance which was just under $200, are there any better insurance deals for teenagers in safe, non-sports cars?""

Progressive will our insurance go up?

So my Dad has Progressive insurance. I drive one of his cars that is under his name on both the title and the insurance. I got my license revoked. I'm curious if his insurance will find out about it if my name is not on the insurance card. I'm not sure if he has me listed anywhere else on the insurance if that is even possible, all I have is the card and my name is nowhere on it. Basically I want to know if his insurance rates are going to go up because of me.""

Whats the insurance price for an accord?

How come health insurance is so cheap ?

Im 18 and need health insurance. I just got a quote from kiaser for a 5K deductible with 6K out of pocket maximum. So basiccly 6 K yearly. And then after the deductible im fully covered. The quite was 80 bucks monthly

Cannot get any fr44 insurance?

every insurance company says I need to give $4500 down as a lump sum because of my driving record... any advise im in florida DUI, PIP claim, 2 speeding tickets""

CHEAP Car insurance company UK ???

I need the cheapest quote from somewhere and preferbly without deposit. im 26 and had a licence for 3 years

How does a speeding ticket affect insurance costs?

My parents own the car that I drive and cover insurance fees (I pay for gas/oil/maintenance). I got a speeding ticket today for $156 for going 52 in a 35 zone (if that price is legitimate and fair in CT, I'm not sure), but I'm curious as to how that will affect insurance costs? Anyone with knowledge in the area, your responses are much appreciated.""

How much would insurance for a 2002 chevy tahoe cost? ?

ok im 14 and im taking drivers ed this summer when im 14 1/2 to get my learners permit and for my car im getting a 2002 chevy tahoe or a 2004 Cadillac escalade and i was wondering how much the insurance would be for them? not the full coverage but the liability insurance and we're on state farm insurance and i live in a pretty low crime town in montana so my car probably wouldn't get stolen or broken into

Best and cheapest car insurance in australia?

Can anyone tell me the cheapest and best most reliable comprehensive car insurance in australia i need to insure my car asap im thinking westpac or aiime

cheap insurance for young drivers with modified cars

Do I have to have a job that offers dental insurance to get it?

how do I find an easy and affordable dental insurace that will aceept people that are self-employed?

Question about car insurance and ticket?

Today my girlfriend asked me to drive her home from college as she was sick. I used her moms car. When coming home on the arterial we were at a red light and I was getting ready to get in the right lane when the light turned green the SUV in front of me began to go then stopped suddenly, (still don't know why) As I was still crossing into the other lane the corner of my front bumper bumped her fender corner. I noticed she stopped and was on her phone so I backed up and parked behind her assuming she just wanted to make sure it was ok. Her tail lights were fine, she drove Subaru SUV so she had a pretty solid buffer there really wasn't even a scuff but a small red reflector on the bottom of the bumper that received a small crack (got a pic close up but can't see it more than a couple inches away. My headlight just has small scuff we werent worried, in NYS you don't generally call unless the damage is over 1000 but she insisted on calling the police. I kept asking if she'd like to just exchange insurance info but she said no (stubborn middle aged probably for insurance) The cops kept telling her we could just exchange info but she wanted report. Anyways, we sat there for about an hour and eventually just got the accident report and I got a following too closely ticket. Do you know how much something like this would cost in NYS roughly and if it would add points on my license. (Cant have pts for work ) Also how will insurance be affected?""

Who can get your insurance. how much does it cost.?

what is the age limit that can get your insurance. are there any limitations to getting this insurance.

Anyone know the best insurance companies for young drivers?

I know obviously insurance for the young is gonna get rocket high anyway compared to older people for the same old 'statistical' reasons as always although I don't intentionally drive like an idiot or least intend never to and I do take safety as a big priority and everything, I've passed my test just over 2 years ago with a clean license but still find insurance even for my micra (1 litre 1994 M Reg) costing me a minimum average of 1000 annually, and just below a grand like 900-950ish is roughly the best I've got for my micra from directline but wondering if anyone would know anyone better cost wise? Also why is there so much discrimination against young/new drivers when its actually only the small minority who take the worse of risks and drive like w*****s making it sky high expensive for the rest of us, I can understand it may be statistic but unless u actualy do drive like a so and so I don't see why 'everyone' should be punished with rip off premiums for the sake of the minority number of idiots""

Where to go to find a house/car insurance quotas!?

I have a project for my economics class, we have to make a family of four budget for a month and we have to like buy a house, a car, food, and lots of other things But with this we have to go into detail and we have to find out the Homeowner/Renter Insurance and Automobile Insurance but I really have NO clue where to go to find this. Is there any website that just gives you the direct quota of how much it will cost you a month? Help me out anyone?""

Where is the cheapest van insurance available?

I'm 21 and looking for cheap van insurance....Any recommendations?

I suffer chronic pain and have trouble working. I'm 37. I have no health insurance. I need advice please.?

I'm 37, and I have degenerative joint disease of both hips (related to a childhood hip disorder). My hips ache, but I also suffer chronic back pain/strain from the effects of a car accident in '04. I have no health insurance, and I don't earn much money. I am forced to live with parents. Needless to say, my life is not very bright. I also suffer severe depression brought upon by my life situation. I returned to college last year, and I am working towards finishing my degree (English/ethnic studies). I need help, both medical/financial help, but I'm not sure where to turn. The job I have is an independent contractor job (I'm not a salaried employee); therefore, I have no benefits. I just drive around to local police stations, pick-up arrest records, transcribe them, and send them in to company. Very basic! My life feels like a living hell; the only thing that makes me feel better is that I am an active student (CSULB) who is about one year away from my degree (better late than never). But I have extreme difficulty functioning day-to-day because of my chronic pain issues and depression. Living with my parents at my age makes my depression worse. I would appreciate any advice. The last full-time job I had was when I worked for the city of Los Angeles (up to 2007), but I had to give that up because of my hip/pain problems. It was a civil service job, so we didn't pay into social security. I'm not sure what I qualify for, and trying to search around on the internet is exhausting. I'm basically in this position: little money - chronic/daily pain - ho health insurance - difficulty working a regular job Thank you to anyone who might offer some guidance or recommendations. I live in Southern California.""

Health insurance .?

hello...i am 33 year old and going to school full-time. anyone out there know any cheap health insurance that i can apply for? i am mostly healthy but just in case. plus does the government support full-time students with at least health insurance? i am from memphis tn are. thank you!!!

General costs to buy and insure a 50cc moped?

Okay so I don't know what moped it will be so i'm simply looking for averages and general help. I'm 17 and am thinking of getting a moped for the next 6-7 months, cost pending. I was just wondering how much would insurance cost me for it, not a brilliant bike just a cheapo 400-500 think as I shant be using it every day and is there any way to insure it for only 6 months rather than a year that's cheaper? On a whole how much do you think it would cost me in total if i bought a 400 50cc moped to insure for 6 month (year if you can't do 6 months) + tax + exam you have to take P.S. I live in England - South East - Dover/Folkestone Area""

How to reduce payments for young car driver insurance ?

how to minimize it ?

Why is there a disclaimer on the Allstate Auto Insurance commercials that says Not available in all states ?

Afterall, its called Allstate !""

Insurance for a first Motorcycle?

When I turn 17, I'm thinking of buying a Kawasaki KDX125. What would the insurance costs be like for a 17 year old? (In the UK) and can you recommend a similar bike?""

""If I buy car under parents name and insurance, will it be cheaper?""

I'm looking to change my car, residing with parents, if I buy a new car say under my dads name, with insurance under his name, will it be cheaper if I was to be added to that policy? Compared to having the car in my name and insurance as well? Thanks""

Changing car on insurance mid-policy?

I'm getting a new car on Wednesday, a Vauxhall Astra, and still have 5 months left on my insurance, which I paid in full up front for Nissan Micra. I phoned up my insurance today to ask how much it would be to change the car on my policy. To change the car it would be 300. I've got quotes from other insurers that are cheaper than this for the year! To cancel there would be 2 fees adding up to 95! Is this right? What is the best thing to do? Can I run my insurance while I don't own the car as this would be the cheapest way to do it? The car is going as a trade-in to a garage who will probably just be using it for parts and scrap. Thanks for any advice :)""

How much does it cost to add a minor to my (RACQ)insurance if there under the age of 25?

How do i sort car insurance out?

okey it might sound a stupid question but ive only just passed and dont know how to go on about it, do i need to get a car first or insurance? how can i compare insurance prices without knowing what car ima get but how can i get a car without insurance :S help pleasee and wheres the best place to get insurance and wheres best places to get a decent cheap car""

How much home insurance should I get?

I just bought a house for about $180,000. I am looking for homeowners' insurance, but I am confused as to how much I should get. Should I insure for just the replacement cost of rebuilding the structure, or for the % of the mortgage I am financing. I got 3 different quotes, and they were for $396, $502, and $858. The lowest one was for $396 b/c it was with my car insurance company, but they will only insure the cost of rebuilding the structure, which they estimate as $110,000 (the house is small and in a decent neighborhood.) The second company wanted to insure me for that, but I got them to quote me on $140,000. That amount, when you add in the 25% overflow they allow you, meets the 90% of the mortgage amount I am financing. The 1st company would not do that for me. The 3rd quote was for $140,000, and was with the people w/whom I have had renter's insurance for 12 years. The only difference was that there was not a wind damage deductible of 2% on the 3rd quote. My loan officer says to just get enough insurance to rebuild the structure. How much insurance should I get?""

""How do i get an car insurance quote without giving (name, address, social security no, etc)?""

A 2001 toyota sienna xle, for a 15 year old driver W/ Learners Permit living in bellevue, WA never had one ticket or accident, mostly A's grades, employed PS Not 15 yet but am employed, just wanna know when the time comes""

Question about SR22 insurance in NJ?

My live in fiance just got a DWI. I'm trying to plan ahead regarding the car insurance situation and I was wondering.....Currently he is a driver on my policy. If he gets his own policy and I keep the policy I currently have, are MY rates going to go sky high also? Am I just better off joining the assigned risk pool with him? Also, I know that a DWI is 9 insurance points for 3 years. Does that mean after 3 years they will be gone? Does the 3 years start when the SR22 is filed or does it start on the date of the DWI conviction?""

Why does car insurance go up if you have a 4-wheel drive?

I am thinking about getting a 2001 Jeep Grand Cherokee 4x4. My car recently broke down and it was a 2000 Chevy Suburban. My parents don't really want to get me the Jeep with 4x4 because they said the price of insurance would go way up. I want to know why is this and about how much would it go up?

""What are average prices for life, health, and auto insurance (any company)?""

I'm doing a project for school and what would an average price be for 2 people with just a regular car, like a honda or something, nothing fancy, for auto insurance. and for 2 healthy people for life insurance and health? i've website but you have to give all this info for a quote, but i'm just looking for an average froma ny companies.""

Wtf Is going on with car insurance companies?

Last company auto renewed my policy but i wasnt aware of this as had moved address, so to cancel it I had to pay 133 as id already started going with someone else on top of the initial deposit amount i had to pay for both companies which has took a large chunk of my money for what i feel was no fault of mine, then a month later im getting letters from my current insurance asking me to pay an extra 90 plus 25 admin fee or my policy will be cancelled AGAIN meaning a cancellation fee because when i said i had held my licence for 8 years they recon its 7 ive held it for and this makes my policy go up, thing is i got my licence on 22/08/2003 and took my poliocy out on the 19/08/2011 so they're making out when i took out the policy i only had licence for 7 years for sake of 2 days who the hell wouldnt have said 8 to that? it just seems theyre trying everything now days trawling through all your stuff finding the smallest detail just so they can get money off you or cancellation fees cos that way they're not risking anything on insurance but still gettin money off you for cancellation fees its a joke and I can really see why people think there's no point having insurance anymore. Plus I have never made a claim since I started driving but because others have in the country im being punished with premiums going up. Will it just end up where everyone who simply cant afford it thinks sod it and drives round with no insurance? surely that would make things even worse but all these cancellation fees if it happens again that I have to cancel that will be 550 ive paid in the last 2 months and still my car wont have insurance????? arghhhhh its doing my head in surely something can be done to help the customers a little more as insurance was always a headache but this is becoming ridiculous now. ..""

Baby insurance?

Okay so my fiance and I aren't married yet. I am on my moms insurance until I am 19 and they wont cover the baby. He has his own insurance through WI called Hirsps. I can't change my license yet because my moms insurance will drop me and we dont want that to happen because it will be hard to get insurance to cover hospital bills. How do we get the baby insurance? Can we put the baby on his insurance?

How much is boat insurance?

I am going to liveaboard a 29ft sailing boat worth about 35000 purely based in a local marina. I need 2M worth of public liability insurance, any idea on the cost of an annual policy?Thanks in advance.""

How to win the claim case from the other car insurance company?

ok. So few days ago, I got into a car accident. I was driving down the highway simply just going straight. All of a sudden, this SUV crashed into me from my left lane and knocked off my side-view mirror & left some marks on my left front door. At that time of the being, I was so shocked because all I did was just go straight & I guess the car next to mine was trying to make a lane change but he wasn't fast enough to advance me. so instead, he bumped into me and realized what he's done then went back to his lane. after the accident, we both exited out from the highway & parked our cars on the side road because that's where the other car led me. I was driving alone at that time & I was so scared because it was my first time getting into this kind of an accident. I quickly tried calling 911 & told the 911 lady to send me a police. But she just asked if there was any injury & I said no then she just told me to exchange the insurance. How rude of her. Not to be mean, but I was little scared of the mexicans b/c the area I was in at the moment was really ghetto. so then I took some photos of the damages and exchanged the insurance company. The guy kept telling me in bad English that he was ahead of me so it's my fault. and I told him that I didn't even move & he was the one changed the lane without even checking to see if it was clear. but he couldn't really speak english well or he didn't even want to listen to me. so I left like that with my sideview mirror dangling next to me. *sigh* this isn't the end of the story yet. I claimed his insurance company which ive never heard of. They said that he's telling them I was the one who hit their car. which made NO SENSE. I even have a picture of their car bumper's mark on my side of the car door which proves that there's no way I hit their car and left a mark on mine and broke my own side view mirror and left THEM no damages. His car was clear with one inch scratch on the side which was made when he hit my car after bumping into me with his bumper and quickly turning back into his own lane. I can't even believe how he can lie about this kind of stuff. I feel so mad that there're ppl like him existing!!! It's so frustrating to see the liar defending himself. His Insurance company didn't even try to look at my car & told me that they are sorry & they can not help me b/c their customer said he didn't do it. What should I do in this situation? I have no witness, there wasn't any police there at the time because they wouldn't send me any which is SO WRONG of them to do. I want to sue 911 people. grr. How can I possibly prove them that I have no faults and they should repair my damn side view mirror?!?!?! What can I do?""

cheap insurance for young drivers with modified cars

Can I drive my mom's car without having insurance?

So I am 16 and don't have a learner's permit. My friend who is 19 has his license and has been using his mom's car for years. He keeps telling me to get my permit. My mom says it will double her insurance bill but he says his mom doesn't pay anything extra. Or he doesn't even have insurance. I don't know anything about this and legalities of everything so...lamest terms please.

What is the cheapest car insurance for a new student driver?

What is the cheapest possible car insurance for a new driver who is 17 years old and drives a 2005 ford explorer? I also live in NJ. I'm looking for the cheapest car insurance possible. The plan is for me only, no other drivers to be added. I need answers asap. Please help!""

Car insurance for a 21 yr old living in ny?!?

Approx how much does car insurance, per month, cost for a 21 yr old college student from abroad in ny? My sister who lives in the country pays about 130 dollars per month in MA.""

What is the best insurance and the cheapest one you think?

How do I get insurance when.....?

No one wants to give them to me? I recieved a letter in the mail saying I need to show proof of insurance or my registrations will be cancelled. Well I let my insurance expire because I wasn't driving my car at the time, and now I need my car and every insurance company is telling me I can't get them. I'm guessing because it's been more than thirty days since I last had some? I don't know, but do you know where I can get some insurance where they are not so strict?""

What is the cost of baby health insurance?

I am doing a project for health class, called baby's first year. I have every thing that i would cost to have a baby except Doctor, Hospital cost and health Insurance. If you know how ...show more""

What's the cheapest I can get car insurance for?

I'm 17 years old, and am looking to get my first car, something like an old Ford KA, Ford Fiesta or similar, you know the kinda cars I'm talking about. I am able to keep it in a secure residential car parking space. I'd prefer not to be told to just look around on price comparison websites , I've looked but the prices im being quoted are ranging from 3500 to 8000 and I'd like a rough idea on the cheapest I would be able to get it for, and tips as to how I can get it at a good value price?""

How much is Ferrari insurance?

How much would it cost to insure a 16 year old for a 308 Ferrari that is worth $20,000""

What is the average insurance price on a Mercedes Benz CLS class?

I am 16 and I want to know if the car is expensive for insurance. I'm a guy too. And I don't need the I shouldn't have that car crap. I just want answers please I don't need your opinions I can afford the car.

""Typically for a healthy young 27 year old male, how much is health insurance monthly?

how much would health insurance cost?

How much is cost of insurance of car driven by Indian driving licence holder in UK?

How much does Geico car insurance cost?

""Im 19, live in pittsburgh with a liscense and no car insurance?""

i need to rent a car but im only 19 and i have no car insurance, is there anywhere for me to rent a car?""

Claiming Back car insurance?

Is it possible, i have been paying car insurance on my car for three months, while it has been out of use at the garage i purchased it from, due to the engine blowing! The garage have taken over 3 months to sort it under warranty, and the car is covered under there insurance, i didnt cancel the insurance due to thinking it wouldnt take this long! as i pay 140 a month it tolals up to alot and i was wondering if can claim any of the insurance premium back?? They still have the car useless Evans Halshaw be warned, only had the car 8 weeks..""

How much would car insurance cost?

how much would car insurance cost for a 16 year old guy driving a 2006 pontiac g6 4 door 2.4 liter engine

Health Insurance in Oregon?

I'm 21, work a part time job and go to school full time (though a little under this term 11 credits) I need health insurance. wondering what my options are. looking for something affordable, maybe 50 dollars a month? not sure, don't know much about this stuff which is why I'm looking to get some expert advice from someone on here that knows it! Thanks, M""

How long does it take to get auto insurance?

if i apply now how long will i be able to get the insurance? im a new driver and i need insurance 4 myself. i need to drive a car with insurance before may

Insurance for a motorcycle?

How much will insurance cost me... details - live in los angeles - 15 about to start classes and everything in march when im 15 1/2 - want to drive a suzuki gsx-r600 - gpa is around a B average

Cheap car insurance for new drivers?

im 23 years old and about to take my driving test, IF i pass i'll be needing car insurance which i've noticed is very expensive. and tips or websites that are good for people in my situation?? i've put the excess up but its just too much! any help will be good thanks""

""Looking for auto and home insurance recommendation in Castle Rock, Colorado?""

We will moving from Wisconsin to Castle Rock, CO in January, 2007. We are building a new home there. We would appreciate any auto and home insurance company recommendations & comments in that area for the best coverage & service at the lowest cost.""

Decent Car Insurance Info?

Does anyone know of a decent car insurance provider for 18 - 20 year olds -.- I just got quoted 4k for a 1litre CAR that is almost double if not more than double of the 1 litre I would of bought if Insurance companies weren't FUBAR. Does anyone know of cars or car insurance providers that are cheapish like 2000 - 2500 mark. I mean I'm in a 1 litre I'll be topping 80 my acceleration is about 12 seconds -.- So yeah thanks to anyone :)

What are some affordable Health Insurance Options in NYC for Latin American father and his child to be?

My friend doesn't have health insurance and is planning on putting his new baby (born around Oct.) on his policy with him. He's Latin American and has his permanent residence card, but is not yet a citizen. Anyone know of any affordable plans for him to look into in the Manhattan area?""

Car Insurance (Geico) ?

My parents don't have me on their insurance but I have a license does geico know I have my licence because I live with my parents? And by how much will they raise the insurance cost if they put me on?

I dont want to pay for car insurance... is there any way around it? LOL?

I know it sounds crazy and I need insurance but is there anyway to avoid paying it... at least for just a month? I have the cheapest plan possible but its still killing me financially every month! Do you think allstate has a low income program? Do ANY of the insurance companies....?

What homeowner insurance?

What homeowner insurance is more affordable in California?

cheap insurance for young drivers with modified cars

https://www.linkedin.com/pulse/what-best-horse-insurance-you-know-bobby-griffin/"

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