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knick-nudiex · 2 months ago

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Nanny

A nanny is a person who provides child care. Typically, this care is given within the children's family setting. Throughout history, nannies were usually servants in large households and reported directly to the lady of the house. Today, modern nannies, like other domestic workers, may live in or out of the house, depending on their circumstances and those of their employers. Some employment agencies specialize in providing nannies, as there are families that specifically seek them and may make them a part of the household.

Nannies differ slightly from other child care providers. A childminder works out of their own home, operating as a small business. In America, childminders are often advertised as a daycare. Depending on the country the childminder or daycare is in, government registration may or may not be required. Within the UK, a childminder must be Ofsted-registered, hold a current paediatric first aid qualification, public liability insurance and follow the EYFS. A mother's helper is someone who may live in or out of the household, and assists the person of the house with general chores as well as caring for the children. The term au pair usually refers to a young person, who comes from abroad to live with the host family and learn the local culture and language, while helping care for the children. A governess concentrates on educating children inside their own home, and a kindergarten or schoolteacher does the same, but in a school environment.

Even though there are no legal requirements to be considered a nanny, families may require a background check and a CPR certification. Families may also look for other special skills in a nanny, such as being bilingual or having early childhood development coursework done. Nannies help play a key role in a child's development by providing care.

History

In the 19th and early 20th centuries, a nanny was usually known as a "nurse", and was typically female. "Nurses" were found in higher-income homes, and "nurses" were either hired or were slaves. Originally, the hired person would have been expected to breastfeed the infant, a role known as a "wet nurse". In some households, the nurse was a senior member of the household staff and ran her own domain, a suite of rooms called the nursery. Some were supported by at least one assistant, known as a nursemaid (or nurserymaid). Because of their deep involvement in raising the children of the family, nannies were often remembered with great affection and treated more kindly than the junior servants.A baboe and the children in her care in the Dutch East Indies (now Indonesia), 1934

Nannies were often present in the households of the colonial officials tasked with managing vast colonial empires. Nannies in colonial societies spent their lives in the homes of their masters, often from childhood till old age, taking care of more than one generation (depending on the duration of the post). It was not uncommon for these nannies to be brought along with the family when these colonial officials were posted either back to Europe or to another colony.

In Colonial India, a nanny was known as ayah, after aia, nurse, governess (in Portuguese). This term is presently part of the vocabulary of various languages of the Subcontinent, meaning also female servant or maid.

In Chinese she was an amah.

In the Dutch East Indies the household nanny was known as baboe.[citation needed]

Types

Live-in nanny

A "live-in" nanny is much less common than it once was.[citation needed] Being a live-in nanny may be ideal for a person looking to move interstate or abroad for either a short period of time or to set themselves up financially. Typically, a live-in nanny is responsible for the entire care of the children of their employers. This includes anything from washing the children's clothes, tidying the children's rooms, supervising homework, preparing children's meals, taking children to and from school, and taking children to after-school sports and/or activities. Employee benefits may include a separate apartment (sometimes called a "nanny flat") or room, and possibly a car. While a live-in nanny was commonly available 24 hours a day in the past, this is much less common now and often these nannies work 10–12 hours on and the remainder of the day off. Essentially, these nannies are working while the children are awake and the parents are at work. A live-in nanny is nowadays more common among wealthier families because live-in nannies often have all their living expenses paid and provided by the employer.

Nanny share

Some families use what is known as a 'nanny share', where two or more families pay for the same nanny to care for the children in each family on a part-time basis.

Night nanny

A more recent addition to the role of a nanny is that of a night nanny. The night nanny usually works with a family anywhere from one night to seven nights per week. A night nanny generally works with children from newborn to five years of age. A night nanny can provide a teaching role, helping parents to establish good sleeping patterns or troubleshooting the sleeping patterns of a child. Roles and qualifications vary between countries. The night nanny works together with the family's requirements and philosophies. The qualifications of a night nanny are usually in mothercraft nursing (see sleep guidance specialist or early childhood development). Pay rates vary from country to country, but night nannies are usually well paid in comparison to the general nanny, as the night nanny is seen as a specialist or expert in their field.

Maternity nurse / newborn care specialists / confinement nanny

See also: Postpartum confinement

Historically, European women were confined to their beds or their homes for extended periods of time after giving birth. Care was provided either by her female relatives (mother or mother-in-law) or by a temporary attendant known as a monthly nurse. These weeks were called confinement or lying-in, and ended with the re-introduction of the mother to the community in the Christian ceremony of the churching of women. A modern version of this rest period has evolved with intentions to give maximum support to the new mother, especially if she is recovering from a difficult labor and delivery.

In the US these specialty maternity nannies are known as newborn care specialists (disassociating this specialty from medically qualified nursing). They are highly experienced in all aspects of newborns, aside from medical issues. They may work 24 hours a day, seven days per week, but most commonly work five nights/days a week for the first three months of a newborn's life. The role can consist of assisting parents with feeding guidance, nursery set up, premature infant, multiples, colic, reflux, and sleep guidance/training. There are various training organizations that offer non-accredited certifications, however, in an unregulated field parents should ensure that the qualifications of their maternity nanny are legitimate and accredited. The Newborn Care Specialist Association is one of many self-appointed certification entities. Some doulas specialize in postpartum care for mother and baby. Another related job is perinatal assistant.

Chinese and related East Asian traditions practice a form of postpartum confinement known in Chinese-speaking regions as zuo yue zi "sitting the month", which are traditions and customs regarding recovery from childbirth. The "confinement ladies" are referred to as yue sao, and they have specialized knowledge of how to care for both baby and mother. In Singapore and Malaysia, newborn care specialists are better known as confinement nannies. They assist the mother in taking care of the baby in order to let the mother have a good rest. Confinement food will be prepared to help with the recovery. Usually, the employment period will be about 28 days up to a maximum of 16 weeks. In Korea these postpartum care workers are called Sanhujorisa.

In the Netherlands, standard postnatal care, supported by state medical insurance, includes more than a week of all-day visits called kraamzorg. This kraamverzorgster ("maternity home care assistant"[6]) teaches the new mother how to care for her baby, measures both of their health, prepares light meals, entertains older children, performs light household tasks, cleans the home and disinfects the bathroom. They help care for the mother, baby, and family.

Demographic

Typically, women from their 20s to 60s take up employment as nannies. Some are younger, though normally younger workers are nursemaids or au pairs rather than nannies in the traditional use of the term.

A few positions are filled by men; the term manny is sometimes used for a male nanny, especially in the US and UK.

Qualifications

In the United States, and in the United Kingdom no formal qualifications are required to be a nanny. However, some parents prefer or sometimes require their nanny to have a CPR and/or first aid certification. In the United States, nanny training and certifications are increasing as the US Nanny Association has published national standards and issues certifications for Professional Nannies, Newborn and Infant Professionals and Certified Nannies. Many Nannies have childhood education credits or degrees, though these are usually not required.

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thetutorshelpuk · 3 months ago

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Childcare Assignment Help: Expert Guidance for Your Academic Success

Childcare is one of the major issues that convey care, education, and protection to young children. It includes the knowledge of child development, safety measures, learning activities, and health care for children. The students enroll in childcare courses in order to have a career as early childhood educators, daycare workers, or child psychologists. However, childcare assignments themselves prove to be quite rigorous due to theories that may not easily be understood, real-life applications, and tiresome research. This is where The Tutors Help comes in to offer expert childcare assignment help in the making of learning easier.

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jennicabailey · 6 months ago

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Nursing Assignment Help Online, Paying for Assignments, and Coursework Help Online

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#assignmentwriting #student

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alberto125 · 1 year ago

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Mastering Law Coursework: Your Ultimate Guide" is a comprehensive resource to help you excel in your legal studies. From understanding assignments to effective research, writing, and editing, this guide covers all aspects of successful law coursework help uk completion. Learn how to manage your time, seek feedback, and utilize academic support services to ensure academic success in your law studies.

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studyabroadexpert · 2 years ago

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Balancing Academics and Work | Part-Time Jobs for International Students in the UK

Pursuing higher education abroad is an exciting and transformative experience for international students. However, the cost of living and tuition can be high, making financial sustainability a concern for many. Part-time jobs for Study in the UK provide a valuable means of managing expenses while gaining practical experience. This blog will explore the benefits of part-time work, legal considerations, and tips for successfully balancing academics and employment.

The Benefits of Part-Time Work for International Students

Financial Support: One of the most significant advantages of part-time work is its financial support. Earnings from part-time jobs can help cover living expenses and textbooks and even contribute towards tuition fees. Before going there, get to know about the student visa UK cost.

Cultural Immersion: Working part-time after the Study in the UK allows you to engage with local culture, interact with British colleagues and customers, and improve your English language skills.

Networking: Part-time employment provides a platform for networking and building connections within your field of interest. You may come across valuable mentors or job opportunities through your work.

Legal Considerations for International Students

Student Visa Restrictions: Short term study visa in UK are typically allowed to work part-time during term-time (up to 20 hours per week) and full-time during holidays. However, checking your specific visa conditions is crucial as they can vary.

Required Documentation: To legally work in the UK, you'll need a National Insurance Number (NIN) and a UK bank account. Make sure to complete these formalities promptly upon arrival.

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Prioritize Your Studies: Remember that your primary purpose in the UK is to pursue your education. Be diligent with your coursework and plan your work hours around your class schedule.

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Take Care of Yourself: Don't overextend yourself. Prioritize self-care, get enough rest, and seek support from your university's counseling services or international student office if needed.

Conclusion

Balancing academics and work as an international student in the UK can be challenging, but it is also a rewarding experience. Part-time jobs offer financial support, skill development, cultural immersion, and networking opportunities. By understanding the legal requirements, managing your time effectively, and seeking flexible employment, you can successfully navigate the dual responsibilities of student life and part-time work. Remember that your Study in the UK remains your top priority, and with the right approach, you can excel while gaining valuable work experience in the UK. If you face any visa issues, connect with a Study Abroad Expert.

#Study in the UK #student visa uk cost #Short term study visa uk

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bestassignmentexp · 2 years ago

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Law Assignment Help in UK By Experienced Writing Experts

Law assignment helpers are a great asset to any student studying law. They offer guidance and support for students who are struggling with their coursework or who simply need help in preparing for a major exam. Law assignment helpers can provide students with invaluable assistance when it comes to understanding the complex legal concepts and theories that are essential for success in a law degree program. They can also help students write clearer, more concise essays and provide feedback on existing work. With the right law assignment helper, any student studying law can make sure they get the best grades possible and gain an edge over their peers.

Law assignment help in the UK is a service offered by experienced writing experts to assist students with their law-related assignments. Here are some reasons why students might seek law assignment help from professionals:

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When seeking law assignment help, it's important for students to choose reputable and trustworthy services that provide original and plagiarism-free work. Students should also use the assistance provided as a learning tool to enhance their understanding of the subject matter and improve their own writing skills.

A Law Assignment Helper is an experienced professional who provides guidance and assistance in completing legal assignments. They provide students with step-by-step guidance in understanding the assignment, researching relevant topics, and writing effective arguments. They can also help in structuring essays, creating bibliographies, and preparing for exams. By working with a Law Assignment Helper, you will be able to gain access to invaluable insights that will help you succeed in law school.

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letsimportanttreecollection-blog · 7 years ago

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Ballinger Texas Cheap car insurance quotes zip 76821

"Ballinger Texas Cheap car insurance quotes zip 76821

Ballinger Texas Cheap car insurance quotes zip 76821

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I'm 17 and am currently on my parents insurance plan, so there are 3 of us with only 2 cars. I'm listed on the truck, b/c it has more horsepower. I'm about to buy a '92 Prelude, and they said the insurance would go up about $122 for 6 months. This doesn't seem too bad, but if i'm now driving my own cheap car, why is that a greater risk than driving the truck with full coverage, not just liability? It seems like it should almost go down, because there's a lower chance that i will crash up one of the more expensive/higher hp cars. Is that just the way it works or is there a better option for me? My agent also said my own policy would make it even more expensive, which i could see, because we wouldn't get the multiple driver or car discount.""

Best insurance for car sharers?

I want to share a car with my friend, its her car and we will share tax and maintenance but the big problem is insurance. In the worst case scenario of my having an accident I don't want to jeopardise her no claims discount I ideally would also like to build up my own no claims if possible. Can we do this on the same policy? Does anyone have any ideas about the best type of policy to get? I thought I could just get my own separate insurance but apparently it is illegal to have two policies on one car. I am confused and I dont want to end up getting into a tricky situation down the line with a friend if we havent thought it through properly, any ideas?""

Anyone have a cheap insurance for a young driver?

I am 23 and I got my license dec 2013 Clean driving record so far I own a hyundai accent 2005 Anyone has a cheap or affordable insurance and is young too? I am in California. Orange County to be specific.

Health insurance cards?

I need the template for a state farm health insurance card or the information, thanks""

Getting homeowners insurance in florida?

I'm considering a move to Florida sooner or later, but I wanted to ask a quick question about insurance. I'm in Mobile, Al., and it seems the region has had some skyrocketing insurance costs, both premiums and deductables. A major factor in this is the hurricanes we've had in the past six years, give or take (Yes, i know there are more factors involving costs, the overall economy being no small part). In fact, many areas can't even get insurance in the first place, because no company will write a new policy. Does Florida have the same problem? In the past decade, the state has seen much more of its share of natural disasters than my home (my city hasn't had a direct hit from any of the major storms)""

Insurance on a 2003 Ford Mustang Mach 1?

How much would insurance be on this car? I'm 16, almost 17, in Arizona, by the way. The car has a V8 engine.""

""My dad is the main driver on vehicle insurance, and i am the named, am i aloud to drive the car more than him?""

Ive just passed my test and looking for cheap ways to get cheaper insurance. Can i do it so my dad is the main driver and im the named, but i will be using the car much more than him? is this illegal? The car is in his name and everything but didnt no whether he has to cover more miles than me in a year with it being in his name? thanks""

Where can i get less expensive car insurance for an 18 year old student with a 2000 mustang?

Well this may sound like a long shot, but I just recently bought my son a 2000 Ford Mustang, Now its insurance time, hes 18, gets A's in school and has had drivers ed. Why do the quotes from Progressive and esurance estimate its going to cost nearly $500 a month, even with a 1990 honda junker it still cost nearly $400 do these prices seem reasonable, i can't recall them being that high, when i first got insurance, thanks.""

Insurance on a Motorcycle.?

I am 16 and I am wanting to purchase an '08 250 Ninja. What would I expect to pay every year in insurance? I live in MS if that would make a difference in insurance.

Insurance's on a 16 year old driver?

i am 16 years old and i am looking for cars.. i found a used 2006 audi a6, i really like it and i want it to be my first car!!! does any body know how much it would cost too insure me under it ??????????""

Can you get your Lexis-Nexis insurance score?

I recently got a quote for auto insurance, and the company said they used Lexis-Nexis insurance score - am I entitled to get a copy of this report for free? If anything on it is wrong, can I have it changed?""

""Ok, car insurance questions..?""

we have car insurance through a really CHEAP company, not a big name one. When we signed up, the do the multi car thing, but they add all the cars under one name and the others as drivers. We had a relative come stay with us, and they added their car and name to our policy, than they moved and registerd the car else where, the policy is under our name, with them as a driver, is this legal? what should we be doing, the policy is good for like 6 months .""

What lowers insurance for a car?

I am a 21 yr old male, and I know that I fall under the category of drivers who are not married, male, below 25 so insurance will be more expensive on me. What I want to know is what features make a car insurance less expensive? I know one big one is that it is a sedan and not a coupe. What else? (What are the big insurance savers?)""

Going on my grandmothers car mobility insurance?

Hello, I'm 17 soon, male and living in the United Kingdom. If I was to buy a car and take out insurance, the prices would go through the roof and we don't have that much of a budget to spend. However, my grandmother is disabled and her husband drives a car. So, we concluded that it would be best for me to go on my grandfathers insurance to keep the insurance bill down? Is this a good idea? What are the downsides of this? However, my mother was talking to her friends in work and they said if my grandmothers cars is a Mobility Car I can go on their insurance for free? Is this correct? What is my best option here? My mother nor my father drive and the only person in my family can drive is my grandfather and he hasn't claimed on his insurance for over 20 years. How much would it cost me if I was to go on my grandfathers insurance (Say if he never had a mobility car) and would it be free if he did? Thanks in advance.""

What to do when switching car insurance?

I am planning on switching car insurance providers b/c: 1.) My car got stolen 01/25/2013 and I only had liability coverage (car was a 1996 Nissan Maxima) 2.) I was hit in October 2012 and it was not my fault and received settlement money b/c my car was deemed a total loss 3.) With that money I put a down payment on a used car this past weekend b/c now I truly had no car 4.) I now need full coverage to my current policy and replace the old car with the newer one but the 6-month premium is too high. While shopping around for car insurance, I found an auto quote that was A LOT more affordable than if I were to stick with my current insurance. With that being said, I had a lot of questions. I got into a car accident in May 2012 and it was my fault. No one was hurt and no air bags deployed. My insurance paid the damages. Now, if I cancel my policy with them, does that mean that I have to pay the insurance company back the money for the damages they covered to the other car? My other question is how much information do I disclose when applying for a new auto policy? I have of course included the at-fault accident in May and I also included the accident that was not my fault. Before these 2 accidents, I had one just one that was in a parking lot. The other driver and I were deemed both at fault, 50/50. Damage to his car was around $700. That was 3 years ago. The insurance company I was looking into said online to include accidents that were at least 51% your fault and accidents that weren't your fault too. Do I include this accident too even tho it was 50/50? My last question is about speeding and points. I my first speeding ticket in June 2012. I got a reduced fine and went to traffic school so it wouldn't show up and get a point. Once again, while looking at auto quotes, they asked if I had a moving violation which includes speeding. Because I went to traffic school and everything, do I tell them about that too? Despite the bad luck I've had this past year with my driving record, I only have one point. The 50/50 accident will be off because it's the 3rd year. I live in CA and got this info from the DMV website: The length of time depends on the severity of the offense. Most points (illegal turn, not making a complete stop, driving over the speed limit, etc.) and/or accidents will stay on your driver record for 36 months (3 years). I've included the link: http://www.dmv.ca.gov/teenweb/more_btn6/points/points.htm Any advice and suggestions is greatly appreciated! Thanks!""

Cheap 125cc Bikes to Insure?

Anyone know of 125ccs cheap to insure. By the way does 3 points on my license affect insurance quotes that much??

""Heath insurance, where to get it?

What kind of health insurance is for a 2 years olds? And where can we get it? Thanks !!

Do you think car insurance should be mandatory in all of the United States?

I live in Wisconsin. Car insurance is not required for cars trucks and anything else on the road. I think this is wrong with medical and car repair bills being so expensive these days. Worst part about it is some of these non insured people drive like lunatics and if they do hit you they have nothing to even sue them for. I think it's disgusting.

How much does it cost to cancel motorbike insurance in the UK?

If you've been with them say 2-4 months. Also does it make a difference if its Third Party, Third Party Fire and Theft or Fully Comp? Its on a 125cc and the insurance is going to cost approx 300. Thanks""

Does Home Owners Insurance Decrease with Property Value?

As we all know the property values continue to plummet. If my property value has depreciated a significant amount will my Home Owners Insurance be less due to the decreased value? Logically I say yes but I am a new homeowner and am unsure.

Car insurance price for 17 year old?

I've got 2 questions cropped into 1 1st question, im looking to buy a Ford Fiesta HOPEFULLY after i pass my driving test. Ford Fiesta 1.2-1.6 litres. 2004-2006 model. Insurance price to a new 17 year old male driver living in northwest london where not much vandalism/problems occur compared to other towns. Car will be on off road parking overnight. Whats the approximate insurance price im looking at? 2nd question being that if anyone had recently taken the theory test. Is it hard? Easy? Thanks in advance""

Car Insurance?

I'm an 18 year old male. I have the good student discount and took Steer Clear (a program from State Farm that lowers your insurance) and I pay $114 a month. I am a part-time driver on a 2005 Chevrolet Cobalt and I don't have any tickets. Is this too high for me?

Ballinger Texas Cheap car insurance quotes zip 76821

Mom forgot to list me as a driver on car insurance?

So i've been driving four years , and i'm about to buy a new car as a 20yr old. I call to get a quote, and they tell me i'm not listed as a driver on my mom's insurance. What does this mean?""

What records are checked when deciding car insurance rates besides DMV/Previous insurance????...?

I know that there are many factors when car insurance is decided.. I understand the thing with age, sex, previous evidence that you are risk factor more accidents... however I was wondering because I have gotten into accidents when I had no insurance/the other person only had my name.. since this was all they had, was it till recorded somewhere, will this affect my future rates????...""

Whats the cheapest insurance company in NYC?

Is there a difference between homeowner's insurance and mortgage insurance?

Will my auto insurance rate go up? (Ontario)?

I got a ticket for making an illegal U-turn (2 demerit points). I am an occasional driver with a G license. My insurance is with Allstate. Will my insurance rates go up? Let me kno if you have any experience with Allstate, like if you got a ticket (what was it for?) and if your rates went/didn't go up (how much?). Thank you""

What is the difference between term insurance and whole life insurance?

Can i get driver insurance without owning a car ?

from who and roughly how much ? I've got a clean record.

Fast cheap automatic sedan?

Im looking for a first car. I need a 4 door sedan because insurance is cheaper, I need an automatic car because manual seems hard. How long would it take to learn stick shift by the way? Price rage is $12,000 at the most! I've been looking at the Nissan Sentra SE-R Spec V, MazdaSpeed Proteges, and Volkswagen GTI. I realize that some of them are manual.""

""Can I drive without insurance, if the car itself is insured?""

It's my dad's car. The car is insured but i am not, as in. I use to be on the same policy as my dad, but now i am off of it due to money problems. But the car I drive is insured under my dad. Is it legal to drive it? (CA)""

What is the approximate insurance cost on a vw polo X registration for a 17 year old?

hi just want to know how much roughley the insurance would be for a VW Polo on a X registration plate please

I am 18 and car insurances are too fukcing high (UK)?

hello, my first car will be a peugeot 1007 and most of the quotes offer me 5000 pounds which is a super joke because its impossible for me to afford it and also my mom. I'll be the first one to drive in the family and we badly need a car soon because its so hard to carry a 100 kg. sack of rice for 3 miles from the shop to the train station from the train station to our house with a return ticket. plus also, my mom's been cycling to her work for almost 10 years now and she's getting old and the least i could do is drive her to work. 1.) so my question is, why is this rule or law so much biased and stereotyped against the youth? isn't it time to change our perspectives, to be quite frank the youth of today are a lot more intelligent than the previous generations. 2.) why are car insurance companies and the UK government such a dick? 3.) why aren't there any activists protesting about these prices? that's all thank you.""

Can anyone tell me what company provides affordable health care?

I am researching health care plans, and they are all too expensive. I have to buy it for me and my soon-to-be wife. We both have costly pre-existing conditions, and no one seems to cover that at an affordable price if at all. I was hoping someone could tip me off where to buy a good health care plan.""

Health insurance for individual?

Trying to find the best plan for myself. I am 30 yr old female self employed. I have an ok job right now so a high premium is not going to work. But I am fairly healthy and never really go to the doctor. I guess I need insurance for those what if moments that I hope never happen. Also I live in Pennsylvania. This is what I have found the HMO premiums are just too high but none have deductibles. The PPO plans all have deductibles but the premiums are lower. PPO Deductibles $2500 cost $188 a month,20% coinsurance $5000 cost $164 a month, 20% coinsurance PPO Advantage Deductibles $1500 - $142 a month, 20% coinsurance $2500 - $120 a month, 20 coinsurance Right now I'm leaning towards the lowest deductible advantage plan at 1500 @142 a month and a 3000 out of pocket max. It seems reasonable all the preventative care, primary and specialist are all copays w/out deductibles so say I never go tot he hospital I'm basically just paying a monthly premium and the copay. My issue is I have gone uninsured before and knock on wood nothing happened never even needed to use a cvs minute clinic. But as I approached 30 I realized maybe I should get health care for myself just in case. I do have the !500 set aside in an account that was supposed to be a splurge fund for vacation but now it may also just be a medical fund. Anyways, based on the above all co-pays are $30 and $50 for specialist. Do they sound reasonable?? Insurance is so hard to understand *sigh*""

""What is the best and cheapest car insurance for a 20yr, female living in Michigan?""

My dad is making me pay my car insurance and i dont kow where to start. I heard about something called PLPD, what is that and is it expensive? what are some other cheap places for car insurance in Michigan. Thanks!!""

Car insurance for a road-trip? HELP!?

My friends and I are going on a road trip for 5 weeks from San Francisco to New York and are thinking of buying a car for the duration that we're there. Obviously we'll need car insurance, however how would we go about it when we aren't American nationals and don't have an address there? We do have full British driving licences. ANY help would be much appreciated.""

What if I cause an accident but the car insurance is not under my name.?

Well I hit someone and in my car but the insurance is under my mothers name only.The other driver and his passenger are riding in car that does not belong to both and they are not under the insurance of the car.Sadly the passenger was complaining about a neck injury so they called the cops and an ambulance.What happens then?

What is the average cost of insurance for new drivers in Massachusetts?

During late November, I will be receiving my license and will have the responsibility of paying for my own car as well as insurance. At that time, I will be roughly 16 and a half years old. I am looking to purchase a late 1990's Honda car but can not narrow it down further as I do not know specifically what car I will have. I heard during my drivers education class that grades effect your cost of insurance. I am a straight A students that takes challenging classes as well as having a part time job. I live in a city environment in Massachusetts with a population of less than 50,000 residents if that matters. What do you think will be roughly the cost of insurance for my situation?""

Is car insurance sexist?

im a guy trying to get a car and am being penalized on car insurance being quoted 10k for a 400 car yet the insurance quoted offers the same coverage for only 5k if i selected gender ...show more

May have a preexisting condition and i need affordable insurance?

i may have a preexisting condition i will find out monday ,anyway we are on a month to month with a high cobra premium and it is kicking our butts my husband's job closed after 20 yrs we both are not working and if i have a condition how do we pay for it, how can i get i get affordable health with no job .help somebody i feel for people i feel for everyone who needs health care and can't get it what a shame i pray that i am well and the doctor has good news for me so everyone please pray for a good outcome when prayers go up blessings come down and i need your prayers i love my yahoo family some people are rude but for the most part real decent people live here Sorry for my jumby words""

Do you still have to be added to your parents car insurance if you just borrow their car?

I don't have my own car yet, so ill occasionally be borrowing the car. Do I still have to be added? We have All State if that helps.""

Can i use my car insurance to pay for damage to my car?

Some idiot decided not to own up to denting my car at the weekend, so now i am left to foot the bill which judging by the damage is not going ot be cheap. The moron whoever he/she is has dented both passenger side doors. As i have never been in this situation i am not sure if i can use my car insurance to pay for the damage, especially as i dont know who damaged my car in tyhe first place. I am fully comp with Tesco.""

What can i do person has no insurance?

had accident person had no insurance

Car insurance accepting no claims when not been on a policy for 2 years?

I need car insurance with a company who will accept my 9 years no claims from 2 years ago, does anybody know any companies who accept this??? thanks""

About how much does auto insurance cost per month for someone who's 30 years old & drives a small basic car?

I know this varies by situation........but give me an educated guess. I'm looking for the MINIMUM premium; just the portion that the law requires you to buy. Not the portion that requires you to insure your own car....but to insure the person you hit. How much does that cost?

I drive without insurance and got a speeding ticket ...?

Okay guys, I'm in a very tough situation right here. & before I get to the question, Yes I know I was stupid and I have learned my lesson. Okay, I'm 18 years old and had my license for almost a year now. My dad lets me drive his car (which is under his and my moms name) ... he knows I don't have insurance and still lets me drive (I guess it's because he's too cheap at the moment) ... One day I was coming back from college and got on the interstate to get home faster. Speed limit was 55mph but I ended up going 78mph (I live in Virginia by the way) ... Luckily the cop didn't mark me for reckless driving, just speeding. I showed him my registration and stuff during the time I got stopped but he didn't say anything about me having no insurance. I checked online and my fine is $200 for speeding ... My question is whose insurance will go up?? I don't have insurance ... will I get in trouble? I didn't tell my dad yet because he'll kill me. Thanks.""

Ballinger Texas Cheap car insurance quotes zip 76821

Is it shameful to let your son/daughter go without health insurance?

When I turned 21, I got taken off my parents' health insurance. I did not have a job at the time, and could not afford to buy insurance on my own, so I was forced to go without it. Well, I became very sick and was hospitalized for 4 days with food poisoning. The hospital bills total around $50,000, and I was denied Medicaid because I was paying $1400 a month in rent (money I accumulated through prostitution, if you want the truth), and the hospital's social worker felt if I could afford $1400/month in rent, I could afford the hospital bills. Friends of mine at the time were really hard on my parents, especially my mom, saying what kind of a lousy mother would let her son go without health insurance? No editorial comment from me. I'm just curious what other people think. Do I have lousy parents because they let me go without health insurance?""

""I need auto insurance, I am 17?""

Ok, So I really need auto insurance, Looking to spend a good price per year for insurance, what is the cheapest insurance company??? How much do you pay per year? Thanks, I am tring to get insurance asap!!!! Thanks.. I need to drive to school and I am a senior""

Car accident involving two parties with same insurance company?

Hi there, My dad was involved in a car accident where the other party was at fault in WA state. Both parties have same insurance company. The Insurance company deemed the car as a total loss and sent a check of $4000. Meanwhile my dad had to go to a doctor because his neck is super stiff. Did anyone have similar experiences? $4000 isn't enough for a new car, and they can't afford car payments at this time (my mom has was just laid of), should we get a lawyer to contact the insurance company to demand higher compensation? Thanks!""

Need advice suing homeowners insurance?

In 2008 lightening strike hit house and since that time we hav had 6 water dameges in the house.Since that time all insurance companies NEVER real INVESTIGATE or find COUSE OF THAT, Finnaly again We have had BLACK SEPTIC WATER n the house 06/19/2012. 9 days after adjuster show and underastimate damages. month after that , after we constantly complain, ask for updated estimate and approval damages so that we hire contractor Property finaly has been inspected again and they find much more damages ( so far $83.000.00 ). House is damaged very much as well as our belongings. All that time from 2008-today insurance companys charged as with deductibles , we spend lot money trying to fix problems, we are darined emotionaly and financionaly. Last year , just after one similar claim ( 01/06/2011 black water flood ) we were FORCED to file for CH 13 that we can at least save what we can save, TODAY, Insurance company with who is house covered has not reacted We think fast enough to save more house and our belongings. Insurance is escaping to cover what need to be maybe replaced( wood entrance door through septic water was running , built in castum made cabinets in master beedroom, cut wall and replaced behind showertubs........) 9 days after that accident we finaly has Insurance attention and the send SERPRO here. Servpro find that water was SEPTIC, Walls need to be Cut ( so far 1 foot from the ground ). When Servpro cut draywalls ut shows that stabs 2x4 has been damaged , they spray them ( we think that they need to replace them )......... We are now in almost two months after accident becouse we do not agree on damages sattlemant. They serve us on 08.01.2012 with activating adjusster process and we do not have money any more to pay for that, OUR HOUSE DURING PAST 4 YEARS BECOUSE OF ALL THIS LOST LOT ON VALUE AND WE WOULD LIKE TO SUE INSURANCE COMPANIES AS WELL AS TWO LANDERS WHO WERE IGNORING PROBLEM IN THE HOUSE. WE HAVE PROOF FOR ALL THIS . IS ANYWHERE POOSIIBLE TO FIND ATORNEY WHO CAN HELP US LITTLE BIT WITH THIS BIG BROBLEM MY HOUSBAND IS 61 I AM 55 AND MY HOUSBAND IS THISE DAY WORKING OUTSIDE FOR AROUND 70 HOURS A WEEK THAT WE CAN PAY OUR RAISING EXPANSSESS. IT IS NOT RIGHT.""

What is the minamum insurance required for a motorcycle in Arizona?

I just bought a bike and am looking at insurance, but don't know what all is required by the state.""

What kind of life insurance should my husband get?

We are looking to get a life insurance policy for my 25 year old husband. We have three young children so we're trying to figure out what would best provide for the family if God forbid something were to happen to him.

What is the procedure to claim insurance for a stolen bike?

my brother's herohonda is stolen ? he has done it's insurance in orientalinsurance company. he has also reported to the police regarding this.the case was happened before 2 and 1/2 months . police could not found it. so kindly suggest the way to claim for a new bike to the insurance company.

Can we also get free car insurance? Obamacare?

we are very poor,,, and quality for free health care with this new plan that tax payers are so nice to pay for,,, can tax payers also pay for my car insurance?""

Car insurance... Who are you insure with/best quotes. Will choose quick best answer.?

Who is the cheapest insurance company o go with for a 20 year old male whom has been driving for 3 years. Getting insure on a mazda 6. Thank you

""Insured car, uninsured driver?""

I have a free-loading bother in-law and I was just wondering. If he uses the family car which is insured but he does not have car insurance, can he be liable in any accident situation? Please tell me yes, so I have a reason to refuse my car to him. Anything from if he is at fault or not at fault, injury, coverage, or settlements... Thanks""

Is there good deals at Insurance Auction Auto Sales?

Im interested in going to insurance auto sale for wrecked and salvage vehicles. My question is are the prices low enough to fix the cars to profit money on! What are the popular cars to buy, fix and resale...I was thinking like civics and mustangs because u see them everywhere you go. Im just wanting to try and new route to make some money, I have experience in body work, welding and painting and can usually find good deals on parts...really i just wanna know how cheap the cars sell for....Note I just bought a Lexus rx 300 from a person who bought it from a insurance auction I paid 1900 for it! Anything Helps, Thanks""

Why is my car insurance quote massive?

Since few weeks im just looking up comparision sites quoting 1.0 engine first cars such as corsa, pug 206, punto, clio, polo etc ( not all of them are 1.0 but from what ive heard it doesnt make that much difference). In fact, i havent got my licence yet but i adjust my details as if I had one already. It was okay when i searched a quote for corsa and polo for provisional - ended up at 1k yearly. Then I've checked full uk at both comprehensive and 3rd party only - prices went up from minimum of 6k up to 30k which is enormous and ridiculous. What might be wrong with that. Most of people says like it should be up to 2 grand, even my instructor said so. Is that my name, postcode, something wrong with cars I choose? It'd be understandable if i wanted range rover or aston martin as first car. Im foreigner, nearly 19, studying and working both full time. It feels like they just picking at me.. Any ideas though??""

Classic Car Insurance for a 17 year old?

im wanting to buy a classic mini (1989) its a 1l what is the best way to go about insuring it..? i've seen adrian flux do cover you if you ring up but its limited mileage, how does that work :) Thankyou very much!""

How much will my insurance premium go down by?

After a years no claims? I'm currently paying 1700 (140 a month) for a 1.2 corsa. Not happy but still. I'm 19 and had my license since June 2008. Had insurance before but never got to the full year as my car broke down so I got rid. I know it's hard to give an exact amount but how much on average?

How much will it cost to insure a motorbike such as cbr600f if im 23 and just passed my test?

And are there ways of cheapening the cost - I really have no clue of how much motorbikes cost to insure. the cbr600f is group 14,which sounds reasonable. Can i lump the insurance with a car thats group 11? i live in the uk.""

""When getting a quote from a car insurance place, do they automatically add you to there car insurance?""

I did an online quote for a car insurance place, and they asked for my name, number, e-mail, address, if I am currently insured, etc. they gave me a total of how much I would have to pay, does that mean I am added to there car insurance? or not?""

Temporary health insurance for southern California? ?

Hello, I really need health insurance for the next 3 months. But i don't know who or what i would go to .I know i will have to go to the doctors for some health issues. But after 3 months ill be leaving the country for an unknown amount of time. So any help would be very appreciated. thank you!""

How much do you pay for Insurance in your state?

I live in New Jersey and the Insurance for an auto is so high here. I pay $168 a month for a 2003 ford explorer that is loaded. I have no tickets, my record is clean. I also have lived in Utah and my Insurance was only $50 a month. Just wondering what everyone pays in different states?""

""I'm 17 and i'm planning to buy a 2 door, 2 seater car, what car is good looking and has the cheapest insurance""

I'm 17 and i'm planning to buy a 2 door, 2 seater car, what car is good looking and has the cheapest insurance?""

Is term life insurance better than whole life insurance ?

Someone on the radio said he didn't recommend whole life . Why is that ? I am 44 years old and am looking for around $50,000 coverage . What companies would be good for me ? Thanks for your help .""

Long term disability insurance?

I am interested in buying long term disability insurance. Anyone has a good company in mind to recommand?

How high will my insurance be?

im 17 and want a 77 camaro, will insurance be high, can i have an estimate?""

How can I get public health insurance in California?

I am a healthy thirty year old male in Marin County, but I've been rejected for health insurance twice now due to a reconstruced knee. What can I do?""

Possible to have such cheap car insurance at 20 years old?

Hello all, i'm looking for car insurance on gocompare.com site and if i'm taking the insurance on my own name, the price comes up at 1,200 for a 1995 Ford Fiesta LX 1.2. I am 20 years old, male and held the licence for 1 year (1 year and 6 months to be exact) and have 0 NCB. Now, here is where the 'cheap' part comes in. The 1,200 was ON me as a prosper and owner of the car. If i put my step dad as first driver (main) and me as an additional driver (second) it comes up as 1,500 for insurance. How is that possible? He has 6 years no claims and held the licence for over 20 years. Never made a claim or had accident. Now if i put my self as FIRST driver and him as SECOND driver, meaning that everything goes on me and i would be getting no claims bonus every year, i get the price at :- 750! Now basically my question is - Is that possible? The companies that are at 750 are Diamond, Elephant, and Admiral. Then the prices goes up to 1,500+""

What is another way to say free insurance seminar ?

My insurance office is going to host a seminar to the public explaining personal lines (home, auto, commercial...) insurance coverage. What is a catchy headline for the flyer?""

Ballinger Texas Cheap car insurance quotes zip 76821

https://www.linkedin.com/pulse/house-indemnity-insurance-quote-ryan-hunter/"

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lawandeducation · 4 years ago

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By opting to study abroad, you have the opportunity to access world class education system. Colleges in abroad offer advanced embedded systems and state-of-the-art digital technology. You have so many prospects, including a chance to learn about communications technology in-depth, to create applications for robots and explore more about innovative information.

Choosing to opt for study abroad programs also opens the door to the best programs and facilities available. You also get to broaden your personal prospects.

Program Structure of Computer Engineering You can obtain a Bachelor’s, Master’s and Ph.D. degree in Computer Engineering. Once you have completed your degree, you will be able to design and develop systems that are significant to technology and affects our daily lives. You pursue your career path in Computer Engineering, you must have completed your 12th in Physics, Chemistry and Mathematics (along with English).

The Bachelor’s degree program will take four years to complete. You need another two years of study to get the Master’s degree. However, there are some colleges that offer Master’s degree in Computer Engineering after one year of completing and clearing the examination. There are several colleges that will also give you an opportunity to convert the Bachelor’s program to a Master’s one, if you qualify or have achieved the required grades in your first year.

To get a doctorate degree or Ph.D. you need another three years of study after you have completed your Master’s in Computer Engineering. Ph.D. programs allow the students to be able to research in a specific area of Computer Engineering that they are interested in.

Teaching in colleges and universities is imparted in the form of lectures, tutorials, computer laboratory work/projects and seminars. Students are assessed through written examinations, project work, coursework and presentations. However, every college/university follow their own ways of assessment; hence it may differ from college to college. The commonly followed program structure for Computer Engineering includes:

• Data science • Mathematics for computing • Computer architecture and operating systems • Programming • Systems analysis and design (SAD) • Digital electronics • Circuit theory

Career Options After Computer Engineering

A degree in Computer Engineering offers immense career opportunities with attractive salary packages. Some of the career options include:

1. Big Data Engineer As a Big Data Engineer, you will require working with Big Data tools, ecosystems and technologies. You will be responsible for troubleshooting, upgrading and optimizing Big Data software and systems to better their efficiency.

2. Computer Network Architect As a Computer Network Architect, you have the responsibility of designing, developing, implementing and maintaining data and networking communication systems. You also have to upgrade software and hardware.

3. Full Stack Developer Their job is to create the blueprint for websites by following the standard legal practices and the requirement of the customers.

4. Blockchain Developer/Engineer Blockchain Engineer combines different Blockchain programming languages to create architecture, advanced interface and different features for Blockchain systems. They handle the complete cycle of Blockchain applications.

5. Software Developer Software Developers are responsible for creating a dependable support system for software products that ensures its smooth working.

6. Data Scientist Data Scientists create value from complex data. They gather data from a variety of sources which they clean, organize and process to analyse and extract meaningful patterns that are helpful for the organization.

7. Information Security Analyst They have the crucial job of protecting an organizations sensitive data.

8. Data Analyst Data Analysts work along with Data Scientists. However, they also work alone and use their technical expertise in visualization tasks, data munging and certifying quality of data.

9. Computer Systems Analyst A Computer Systems Analyst studies the existing business workflows, design information and computer systems of an organization and makes them effective, innovative and productive.

10. Machine Learning Engineer There is a high demand for Machine Learning Engineers. They are experts who design and build intelligent systems and machines that are programmed to learn and perform just like humans with no or very less human supervision. Machine Learning Engineers create advanced Machine Learning algorithms that teach computers to execute various tasks without being programmed for it.

There are many colleges across the world that offer attractive opportunities for your higher educational journey in Computer Science. US, Canada, UK, Germany, and Italy are some of the best countries to study abroad.

#higher educational journey #best countries to study abroad #study abroad programs #world class education #study abroad

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terrypearrson · 4 years ago

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What I wish I knew before starting my LLB

Birmingham Uni law grad and future trainee Jemina Kauppinen offers her top tips to degree success as students across the country receive A-Level results

I recently graduated in law from the University of Birmingham. Now looking back, I want to give you some key points I wish I knew before starting my LLB three years ago.

1. Work smart

Your first lectures may seem overwhelming with legal jargon, case names and masses of information. Do not panic, there is no need to copy down notes word for word. If you have access to slides or lecture handouts, it’s good to look at the main concepts before the lecture. You will likely develop your own method of notetaking, so don’t be afraid to experiment in the beginning! It’s all about the quality of notes and what works for you.

2. Preparing for seminars is crucial

When I started my law degree, I was told to prepare for seminars a few days in advance. Though in first year I got away with less preparation, seminars became more demanding as my degree went on. Soon I learnt how difficult being picked on by the seminar leader is when you haven’t prepared properly. Expect to be challenged and take preparation seriously.

3. Schedule time for independent study

Your schedule of lectures and seminars might let you think you have loads of spare time. Don’t be fooled by this! You need to also dedicate time for reading, revision and research. You may also put time aside to complete application forms for graduate jobs and catching up with news stories. Simply attending lectures and seminars is not enough if you want to do well in your degree.

Secure your place: The September 2021 UK Virtual Law Fair

4. Pay attention to referencing

If you are ever researching anything, make a note of your sources. You do not want to be searching for the exact quote you cited a day before coursework is due, it just adds to the stress. Make sure you learn how to reference from the beginning, as it will save a lot of time later. If you have access to a referencing guide, use it.

5. Make use of the careers service

University is not just about learning facts, it’s also about preparing for life after your degree. Your university will likely have a careers service, and your law school may have law-specific resources. Making use of these resources is likely to help you find employment. It is also a good idea to take part in any employability courses or competitions offered by your university. Finding a job after your degree can be a struggle, so make use of what the university offers to improve your employability whilst you can.

6. Join societies

Societies are a great way to meet people both in the law school and outside it. I’d also recommend trying to become a committee member so that when employers ask about your positions of responsibility and leadership abilities, you have specific examples to refer to! University societies can also make a real difference, participating in pro bono was one of my favourite experiences during my degree.

7. Stay positive

Law school is a very competitive environment with students competing over work experience and graduate positions. Seeing everyone as competition creates a negative environment and prevents you from making connections and learning from each other. Instead of racing to be the first to get that training contract, take time to reflect on the type of career you want. It’s a marathon, not a sprint.

Jemina Kauppinen is an events coordinator at Legal Cheek and future trainee solicitor. She studied law at the University of Birmingham before joining Legal Cheek in June 2021.

The 2021 Legal Cheek Law School Most Lists

The post What I wish I knew before starting my LLB appeared first on Legal Cheek.

source https://www.legalcheek.com/2021/08/what-i-wish-i-knew-before-starting-my-llb/

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alberto125 · 1 year ago

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Ace your law studies with our Law Coursework Help in the UK. Our expert assistance ensures top-quality law coursework help uk, timely delivery, and personalized support tailored to your academic needs. Excel in your legal studies with our reliable and trusted service.

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your-dietician · 4 years ago

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Therapy by any name

New Post has been published on https://depression-md.com/therapy-by-any-name/

Therapy by any name

PUBLISHED August 01, 2021

KARACHI:

Noor Mukadam’s heinous murder has left the entire nation reeling. Among the many scandalous revelations, one of the most concerning was that the murderer, Zahir Jaffer, was apparently practicing as a psychotherapist after enrolling in a certification from Therapy Works. This case has laid bare the perils of the country’s regulated mental health service sector.

Therapy Works later issued a statement on their social media accounts. “Zahir Jaffer was enrolled as a student in UK Level 3 from September 2015 to September 2016. After this, he joined UK Level 4 from October 2016 to June 2018. He did not complete his coursework and International Essays, and accordingly was never ever given permission to see clients,” However, an Instagram photo on their page that has since been deleted, features a group of its UK Level 5 candidates including Zahir Jaffer.

The website page of Therapy Works claims that it is affiliated with the Counselling and Psychotherapy Central Awarding Body (CPCAB) in the UK and is a member of the British Association for Counselling and Psychotherapy (BACP). Since Noor’s case raised a lot of speculations regarding its accreditation, BACP via their Twitter have categorically confirmed that Therapy Works is not a member of their organisation and have contacted Therapy Works to remove the BACP logo from their website.

When contacted, CPCAB, which is the UK’s leading counselling awarding organisation, explained that their role is to approve the design and assessment methods of training to provide accreditation. That said, they have no say in regulating the clinical services provided by their accredited training centers. They shared the following statement: “The training service ‘Therapy Works’ offers bespoke qualifications which are non-regulated but are accredited through CPCAB’s Tailor-Made qualification route… We are aware that many queries have been raised regarding the operations of both the Therapy Works counselling and psychotherapy centre, and the Therapy Works training service. CPCAB has no affiliation with the Therapy Works counselling and psychotherapy centre, and has no authority over the clinical services of Therapy Works. We are however, pursuing all relevant lines of enquiry which relate to the provision of Tailor-Made qualifications offered under CPCAB accreditation at the Therapy Works training service.”

It is important to note that if some counselling service claims affiliation with a certified foreign counselling or therapy body, the role of that body is only to ensure the quality of training educational material, not the treatment offered by those centers. When this article was written, orders had been issued to seal the Islamabad office of Therapy Works. However this is just a temporary solution in the absence of a centralised regulatory body for mental health services which is the need of the hour.

License to treat

When Zubair*, a chartered accountant working for a multinational, felt that his substance use was getting out of hand, he decided to seek professional help and contacted a therapist. He was making progress until he found out that his therapist had revealed details of his issue to one of their mutual acquaintances at a corporate event who also happened to be a colleague of Zubair. The colleague subsequently shared the details with their boss, leading to grave professional consequences for Zubair. Why did the therapist feel comfortable breaking the client’s confidentiality? Why was he gossiping about his clients? All of this stems from no fear of legal repercussions.

The Pakistan Psychological Council Bill, 2020, which was passed in the National Assembly earlier this year and is currently tabled in Senate, aims to establish an international standard council to register psychologists and to recognise institutions and organisations in public and private sectors imparting psychological education. The bill proposes that 16 years of education and 2 years of experience in the field of psychology, applied psychology and behavioral psychology should be the eligibility criteria to be registered as a psychologist. However, the majority of mental health experts are of the view that only those with at least 18 years of education (MS/MPhil in a relevant field of psychology) should be allowed to practice as psychologists.

“Like any profession where service to the public is involved (think medicine, lawyers, nurses) licensing is one way to ensure that only qualified persons enter the profession,” said Dr Rubeena Kidwai, an experienced psychologist with a doctorate in clinical psychology who is also a member of Sindh Mental Health Authority. “Professional licenses are usually conditional upon minimum requirements of education and training so that only qualified persons may practice in a given field.” she explained. “The goal, aside from establishing a standard for professions, is to protect the public from harm. Psychologists often serve vulnerable groups so it is even more important for there to be a licensing body to prevent quackery and malpractice in the name of mental health or psychological services.”

At the moment, the provinces of Sindh, Punjab and Khyber-Pakhtunkhwa have Mental Health Acts enacted under which provincial mental health authorities have been formed. “It is the mandate of these bodies to establish and regulate quality standards for mental health services,” Kidwai pointed out. At the moment only psychiatrists are recognised as mental health professionals in these Mental Health Acts. This needs to be amended by including psychologists as well.

“However most of these bodies are in their initial stages, progress in terms of formation of rules and regulations is slow, more so owing to the pandemic, and systems and processes for regulation are still in the works. What can be done is to pressurise provincial governments to speed up the process on an urgent basis so that the Authorities are in a position to set quality standards, develop a system to regulate mental health services and create a system of checks and balances.’

When Senator Dr Karim Ahmed Khawaja, Chairman Sindh Mental Health Authority was contacted to comment on the issue of licensing he shared that various meetings with psychologists have been conducted and those recommendations have been sent to the government but due to COVID, progress has been slow.

Rise in tele-mental services

This is ironic because since the pandemic, the demand for mental health services has gone through the roof. A plethora of telecounseling and virtual mental health service providers have cropped up to address the needs. The plus side to this mode of health services is that it is scalable – people living in remote areas or those who are physically or financially challenged now have access to affordable mental health services due to these providers. However, quality assurance of these services remains a looming concern.

Dr Kidwai seems to agree. “Many people are reaching out for virtual mental health services and many individuals with varying levels of training and qualifications are meeting this demand. There should be policies and guidelines for offering mental health services in virtual space.”

Aftab Shah, a forensic psychologist and a lawyer, shared similar views. “Recently, mental health has been monetised due to a spike in demand. Many new organizations have sprung up that offer 6 months, 12 months diplomas after which they claim that their psychotherapists/counselors are on a level playing field with clinical psychologists who have undergone rigorous studies and clinical supervision.” This is completely unfair since a diploma holder lacks the course work and training of a proper clinical degree.” He believes that licensing for psychologists should be made mandatory, but not under the banner of Pakistan Medical Commission (PMC).

He cited cases like that of Farhan Kamrani, which probably would not have occurred in the presence of a strict code of conduct for the mental health sector. For those unaware, Kamrani was an assistant professor at the psychology department of the University of Karachi who in July was sentenced to 8 years imprisonment for harassing a female teacher online.

“It is problematic that while Farhan Kamrani was not yet convicted but out on bail, he was already employed at University of Karachi as a faculty member and his contract continued even when he was under trial. He has now been convicted but due to a lack of a regulatory body, there is nothing stopping him from resuming his clinical practice when he gets out from jail after completing his sentence.”

This indicates the dismal state of affairs that is Pakistan’s mental health services landscape.

Colonial hangover?

There is no hiding the fact that the country’s mental health service sector and psychiatric facilities leave much to be desired whether it be state-funded hospitals, large scale philanthropic centers or non-profits.

In the past decade, numerous mental health ventures have sprung up that deviate from the prevailing biomedical model for treating mental health issues and taking a cue from the West’, focus on humanistic centered, positive psychology paradigms. Certifications like the one provided by Therapy Works and CPPD are examples of that. However, there are limitations to the domains in which these certified professionals can work.

A remnant of colonial rule has been an inferiority complex in the general population where anything foreign or imported is deemed superior to its local counterparts. The same goes for certifications and degrees. While no one is arguing the credibility of many foreign certifications, the risk is when inadequately trained, foreign qualified mental health professionals start practicing out of their discipline and when these unethical practices are justified under the pretext of a foreign degree. This does more harm than good for our system.

Mariam*, who had been diagnosed with bipolar disorder shared that she had been getting therapy from an apparently experienced therapist at a popular mental health service provider. Following Noor’s case, she enquired her therapist’s credentials which led to her therapist getting extremely offended. After asking around, Mariam found out that her therapist had no background in clinical psychology, was not qualified to treat psychological disorders and had been ripping her off by charging a hefty fee for each session. Therefore, people seeking therapy also need to be cognizant of the basic domains of psychology as well as their therapist’s qualifications. For instance, a therapist with a degree in organisational or counseling psychology can only provide counseling for mild cases and is not equipped to deal with severe psychopathology unless they have undergone specialized training.

Kanza Asad, a certified psychiatric rehabilitation practitioner, shared how she has witnessed unethical behaviour during her professional career. “I have seen the malpractices happening countless times in a way that people with some 3 to 4 weeks or months diploma/ with bachelor’s degree in psychology claims and strongly believes that they are authorized to practice and actually get in touch with the clients to do the therapy which is quite threatening because as a mental health professional I firmly believe that not everyone has that particular ability to empathise and connect with people and facilitate the clients in their recovery journey.” She added that these incidents jeopardise the people’s faith in the mental health system.

Mind sciences

Recently, there has been another addition to the proliferating field of mental health, which are purported by practioners to be ‘mind sciences’. Mind sciences go beyond the realm of orthodox psychology into the obscure science of Parapsychology and Metaphysics. Hypnosis, Neuro Linguistics Programming (NLP) and Reiki come under this sphere.

Neuro-linguistic Programming, NLP, is especially gaining popularity in the country with many organizations boasting of having NLP coaches and therapists on their panel. While there are some organizations providing proper NLP training, it should be noted that someone with only a NLP certificate and no prior training in the field of psychology cannot be referred to as a NLP therapist. Ideally, a NLP therapist is someone who is already a mental health professional with a relevant degree who chooses to gain additional NLP certification through workshops and accredited certifications.

Safeguarding client rights

Conflicting sources are reporting that Jaffer was diagnosed with substance abuse issues for which he sought help from Therapy Works before enrolling in their certificate course. If true, that raises pertinent questions about whether that is an ethical practice and should people currently under treatment for severe mental health issues be allowed to practice as a therapist.

Claiming that one is a psychotherapist or psychologist without proper accreditation provides access to the most vulnerable and at-risk groups in society, a gap that could be exploited by those with predatory or manipulative tendencies. Aisha Sanober Chachar, a child and adolescent psychiatrist who has also worked as a college psychiatrist at AKU, asserts that this is why it is imperative that mental health professionals stick to practicing within their area of expertise. They must clarify their clinical skills and limitations when treating clients or working with the public at large.

She opines that since their professional judgments affect the lives of others, mental health professionals must factor in elements that might lead to misuse of their influence. Therefore, training-based supervision and peer supervision post-training at an institutional level – mandated by a centralized governing body – is compulsory. At the moment, “reporting any violation of ethical compliance and professional conduct becomes a barrier in the absence of a centralised regulatory body. Hence, there is a failure to protect the rights and welfare of clients/patients who are at a vulnerable spot.”

Know your therapist

The terms counselor, therapist, psychologist are usually used interchangeably. Therein, lies the confusion. It is a client’s prerogative and a mental health professional’s duty to be transparent about their credentials so that their clients can make an informed decision.

Dr Uzma Ali, Director Institute of Clinical Psychology, University of Karachi explains the difference. “There is a dire need to distinguish between Psychologist and Clinical Psychologist, i.e. Clinical Psychologist is the one who can do clinical practice and do psychological assessment, counseling and psychotherapy (in which they are trained) to treat mental health problems /disorders after getting their degree in MS/.Phil and PhD in Clinical Psychology. That requires intensive, at least two to three years specialised training in the field of clinical psychology under the supervision of PhD clinical Psychologist only from those Institutes /Universities that are recognized by Higher education commission in Pakistan/or equivalent.

She further added that although counseling can be used to treat mental illnesses, including the most pervasive ones like mild cases of anxiety and depression, licensed counselors or therapists wouldn’t typically diagnose or handle the most severe cases themselves. Instead, if they suspect a client is suffering from something like clinical depression, they would refer the patient to a clinical psychologist.

This is the gray area where most malpractice takes place in Pakistan. Many organisations employ people who are not qualified like those with degrees in counseling, organizational or educational psychology are assigned to deal with severe psychopathology that goes against the healthcare principle of non-maleficence meaning doing no harm.

Until a regulatory body and rigorous licensing procedures come into effect, the onus falls on mental health professionals on maintaining absolute transparency regarding their area and level of expertise. The general population should be educated on the various domains of mental health services so that they can make an informed decision.

*Names have been changed to hide the identities of certain sources

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