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emedhelp · 5 years

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Dr. Cedric Bright discusses his path towards medicine and the current medical landscape

One of the focuses of my blog is STEM (Science, Technology, Engineering and Mathematics), and my most central principle is “Creating Ecosystems of Success”. While we tend to think of clinical medicine as strictly a ‘Healthcare Profession’, its foundations are rooted in the Basic Sciences. Medical Doctors/Physicians are likewise scientists who specialize in patient care and healing sicknesses.

I recently met Dr. Cedric Bright in person through a mutual acquaintance at a family gathering. I’d heard of him through conversation, and I think I’d previously seen him before, as he was among the many physicians on Twitter using the ‘hashtag’ ‘#BlackMenInMedicine’. It turns out that Dr. Bright, the Associate Dean of Admissions at East Carolina University, coincidentally knew Dr. Qiunn Capers, IV, whom I first saw using the hashtag.

At the gathering, Dr. Bright eagerly answered the questions of numerous medical school hopefuls who were in attendance. As they asked him questions, he in turn asked them questions about their preparation, their academic performance, standardized test scores, experiences in clinics and overall ambitions. At the recommendation of the host of the gathering, I listened in on Dr. Bright’s discussions and was fascinated by what he had to say.

With my blog having both education and a science focuses, and with me also knowing many medical school hopefuls, I seized the opportunity to ask Dr. Bright for an interview and he agreed. In the following interview with Dr. Cedric Bright, we discuss his background, his path into medical school and his career, and finally the current landscape of medical education – specifically what medical schools are looking for in prospects. I hope you enjoy the interview as much as I enjoyed doing it.

Anwar Dunbar: Thank you for the opportunity to interview you, Dr. Bright. Medical school has long been the destination for many undergraduates, and many people will love to hear what you have to say about what the journey towards practicing medicine entails. With that, can you talk briefly about yourself? Where are you from? What got you interested in medicine?

Cedric Bright: I’m originally from Winston-Salem, NC. I grew up there and attended a private boarding school. My parents were both public school teachers and believed in trying to give me and my brother every advantage we could have to be the best that we could be. They were of the ilk where, ‘This generation needs to do better than the last generation,’ and my parents made sacrifices for us so that we could go to private boarding schools.

From there I was accepted to Brown University for my undergraduate studies. I returned to attend medical school at the University of North Carolina at Chapel Hill (UNC). I did my ‘Residency’ back at Brown. I stayed on as faculty there for four years, and I wrote a paper which was published in the Journal of the National Medical Association, looking at perceived barriers in medical education by race and gender. That led to me being recruited to Duke University and the Durham VA-Medical Center. I spent 13 years there before I was recruited to come back to Carolina (UNC). I spent eight years at Carolina, and just left three weeks ago to come here to East Carolina.

AD: So, let’s go back to the beginning of your journey. Your parents – were they science teachers or were they teaching other subjects?

CB: They were general public school teachers. My father taught math and science in middle school, and my mother taught second grade in elementary school.

AD: What inspired you to become a medical doctor? Did you have mentor in medicine? Also, are you the first medical doctor in your family?

CB: I’ll tell you that I’m not the first doctor in my family, but I also never met the person who was. He is a distant cousin on my grandmother’s side. I don’t recall hearing stories of him, though I’ve seen pictures. In terms of myself, my father being an educator brought home books for me and my brother to read. It was a series describing what doctors, nurses, engineers, fireman, police, etc., “do”. After reading those books, I decided that I wanted to be a doctor, and my brother wanted to be an engineer. Fast forward 20 years, he’s become an engineer. Fast forward 25 years, I’ve become a doctor.

AD: During your journey, were there any challenges in your undergraduate studies or throughout medical school itself? Or were you a ‘straight A’ student where the road was all set for you?

CB: I was nowhere near a straight A student, but I was a hard worker. My parents put me in some courses that taught me how to study. In doing so, they helped me with my concentration. I probably would’ve been diagnosed as “Attention Deficit Disorder” (ADHD). I still have lot of ADHD tendencies now in my old life.

I learned techniques on how to manage my thoughts, my ability to focus, and even with that I had some academic difficulties. I learned how to use the system – how to ask for help – how to not be afraid to admit that I didn’t know something. I learned how to visit teachers during their office hours, and how to spend time after class working on things. I learned how to ask my colleagues who were willing to help – all those types of things.

I did reasonably well in high school. I particularly did well in Chemistry; my teacher was my football coach. I was quite fond of him and he helped me understand Chemistry very well, such that I did very well in it in college.

I did quite well my freshman year in college. Subsequently, I had the ‘sophomore slump’. I pledged a fraternity the spring semester of my freshman year, and I came back and ‘acted’ that fraternity the first semester of my sophomore year, and my grades summarily crashed. At that same point in time, I decided that I didn’t like Biology anymore and I didn’t want to do Chemistry. I decided that there must be something else that I could major in. Low and behold I’d taken some courses in Film because I’d been interested in it, and so I decided that I’d major in it.

AD: Oh, interesting.

CB: My Pre-Med Advisor said, ‘You don’t have to major in a science to go to medical school,’ and I said, ‘Okay, I’m going to take you at your word on that!’ So, I ended up majoring in Film (Semiotics), and what it taught me was how to understand non-verbal communication, understanding how the body moves and when a person’s body is or isn’t reflective of their verbal statements. Being able to interpret my patients better, I think that helped me in the long-term.

AD: Interesting.

CB: So, I pulled my grades up my next two years after my sophomore year, and I think that’s why I got into medical school. My grade point average (GPA) wasn’t great – it was less than a 3.0 and I’ll leave it at that. I had to take the Medical College Admissions Test (MCAT) three times to get a score that would at least get me noticed. I think the final score that I got was a 27. I only applied to two medical schools and I got into the UNC, which was crazy.

After getting in, I was advised to do a summer program and I’m grateful that I was. It surrounded me with like-minded individuals. The first thing I tell young people today is to make sure you do some type of summer program to surround yourself with other like-minded individuals. They become your colleagues of the future.

AD: Interesting.

CB: The program also helped me to understand the difference between undergraduate-level and graduate-level studying. Had I not done the program, I’m sure that I would’ve had more academic difficulty during my first year.

AD: So, you’re referring to the complexity of thought and….

CB: And the amount of time you must put into it. For instance, I was used to studying maybe an hour or two a day, and then ‘cramming’ towards the end and still being able to get a good grade. You can’t do that in medical school. In medical school you must put in four to five hours every day. You must put in six to eight hours on the weekend – it’s a ‘grind’ and you must get used to that grind. You have to become disciplined and not fall prey to the ‘Jedi-Mind Tricks’ that your classmates would throw on you by saying that they spent the whole weekend hiking the Appalachians. They might have hiked a mile, but they spent the rest of the time studying. They want you to think they didn’t. So learn not to fall for the Jedi-Mind Tricks. Everyone is working hard in medical school.

AD: Jedi-Mind Tricks (laughing). What was your ‘specialty’?

CB: My specialty ended up being ‘Internal Medicine’, but that’s another story.

AD: Okay.

CB: Let me finish this point. I prayed before I got into medical school. I said, ‘Lord, don’t let get into medical school if I’m not going to graduate!’ So, when I got in, that took a load off me because I knew that I’d prayed and that he’d answered my prayers and I knew that I would graduate. The question then became how. I’d done the summer program, but my first semester of medical school, seemingly on every test I was one to two points above passing and I wasn’t ‘killing’ it by any means.

I was the last man on the totem pole probably every time and on every test. At the end of my first semester, I passed three of my courses, but I failed one by less than a half a point. So, I ended up having to remediate that course during the summer, but after coming back from the Christmas break, I realized that I couldn’t do the same work that I’d been doing and working the same way. I had to change my study habits.

For the most part, I’d studied with one of my frat brothers. It worked well, but it didn’t work well enough. So I said let me branch out and see if I can study with some other people. So I started studying with some other people who didn’t look like me and I started finding ways in which they studied that reminded me of the study programs my father had put me in back in the day. I started re-utilizing those study techniques and suddenly, I began to thrive. I had to make an adjustment and go back to a study technique that really helped me out when I was younger, and it turned out to be the elixir that I needed in medical school.

From that point on in my second year, I moved into a house with six to seven other medical students. Each night we’d study until about 10 to 10:30 at night and we’d come out to the common area of this house and have this massive ‘Quiz Bowl’. The whole point of the Quiz Bowl was for me to take the most esoteric fact that I knew and try to stump them, and for them to take the most esoteric fact that they knew and try to stump me.

Now here’s the key Dr. Dunbar. If I stumped them, I had to teach them. And if they stumped me, they had to teach me. The effect of that was that by the time we got to the exam, we’d asked so many questions of each other from so many different perspectives that there weren’t too many questions on the exam that we hadn’t already discussed. So like a ‘rising tide’, we all did very well. What that speaks to is how you work in medical school to get the ‘volume’. It’s not aptitude that impedes people’s progress in medical school, it’s dealing with the volume.

It’s kind of like trying to eat an elephant. If you’ve got one person trying to eat an elephant, it takes a long time to do it. But if you’ve got seven to eight people trying to eat the elephant with everyone describing what they’re biting and how it tastes, the texture of it, you get to know the whole elephant, but you just ate a part of it. Does that make sense to you, sir?

AD: Yes.

CB: So that’s one of the most valuable lessons I’ve ever learned about approaching large volumes of work. If you approached it first being responsible for taking care of your own individual preparation and coming together and working with other individuals who have put in their own individual preparation, you can work very effectively as a group. But it first starts with individual preparation.

AD: Okay, so there’s a component there that requires individual preparation and then there’s a teamwork component there.

CB: That’s correct. The individual preparation gets you to 50%, but that team component gets you to 90%.

AD: That makes sense. When I first got to graduate school, I was used to working by myself, and I discovered that I couldn’t do that and get the grades that I needed. Just quickly, which fraternity did you pledge?

CB: I pledged Omega Psi Phi.

AD: In term of my next question, you discussed this at the gathering where we met, and it really resonated with me. When I was an undergraduate student at Johnson C. Smith University in the late-1990s, many of us pondered practicing medicine, but few of us thoroughly understood what it took to get into medical school. Aside from the academic credentials, what are some of the personal qualities aspiring medical students need to be successful and, in general, what are you all looking for? I remember you saying that you want them to have touched patients before.

CB: That’s true. We want to see that you’ve had a journey of learning about the and the science component, yes, but also about the humanity – doing volunteer service for people less fortunate than yourself. This helps you to understand the social determinants and sometimes the behavioral determinants of health, and how they manifest themselves in our community.

We want you to have spent some time doing some type of hands on patient care, whether its learning how to take blood pressure, learning how to take vital signs in the doctor’s office, or being an Emergency Medical Technician (EMT), and helping to triage patients and get them to the emergency room. Or it could be just driving an ambulance to take people to their regular hospital visits, being a nurse, or being a Certified Nursing Assistant (CNA) doing the hands-on dirty work in the hospital. Lastly, it could be being a pharmacy tech spending time working in a pharmacy where people are coming in asking questions about their medications. And helping them understand the side effects, and reactions from other drugs and things of that nature or being a hospice volunteer to helping people with end of life issues.

These are the types of things we’re looking for hands-on wise. There are a lot of smart people in the world, but there’s a difference between being smart and having intelligence. We’re looking for more intelligent people than we are smart people. Smart people know how to answer questions. They can get a question right all the time, but they don’t know how to talk to people. They don’t know how to deal with the ‘human component’. Intelligence is knowing what you know and being able to apply it to the people in front of you at the right time, for the right person, for the right reasons.

AD: Now in that same vein, if I recall correctly, in terms of determining why students want to attend medical school, you’re not looking for canned, ‘cookie cutter’ answers. You want to hear some depth to their answers, right?

CB: Yes. The ‘depth’ comes in multiple ways. For example, when someone writes about their experiences, I don’t care so much about what they did, I want to know how it made them feel. I want them to be able to share with me if there was a significance that changed their view of death if they worked in a hospice; how they think the healthcare system works as the ‘donut hole’ as it goes to prescription drugs.

I want them to be able to share if they know the significance of how nurses are so overworked and have too many patients, such that a CNA becomes so very important; how to take care of people in the hospital, or how to take care of people in the clinic as a medical assistant. Why (what was your motivation)? What did you feel? What did you observe? What did you learn? That’s more important to me than what you did.

AD: So, this is my last question. The landscape of medical education and medical school, has it changed since you were a student yourself? We have a lot of technology now. People communicate differently. I’m sure the actual medical approaches have changed. Can you talk about how things have changed from then to now?

CB: I think when I was coming through, we didn’t have as many imaging tests and diagnostic procedures, so our touch to the patient became more important. Doing the appropriate physical exam was enough for you to come to a diagnosis. You didn’t have to have an X-ray. You didn’t have to have a ‘CT’, because if you did your exam right, you knew what your exam told you. Now we depend too much on technology to tell us what’s wrong with a person, and it doesn’t always equate to us finding the right answers on how to take care of people.

I also think that our technology and having to ‘keyboard’ so much on these electronic records takes us away from the human touch – the humanity of medicine which is the one-on-one conversation with our patients because we’re too busy ‘charting’. Our eyes don’t meet enough. Patients wait months to come see a doctor, not watch a doctor type. Seeing a doctor means we have eye-to-eye contact and we talk as two human beings intimately in one setting, and I think that’s becoming a lost art in medicine. Doctors are under time crunches to see more patients and to make the same amount of money, or to make more money.

AD: I think that rolls into my last two questions. I know that every student is different, but on average, what are the major learning points for the medical students when they come in, because I imagine that these are all very bright individuals. What are the main things they must learn? Is it what you described for yourself? Or is it something else?

CB: I think the main thing they need to learn is that it’s not their aptitude that’s going to determine their altitude, it’s their attitude. If they come in with the right attitude of wanting to learn, and sacrifice whatever it takes to learn, and not come in with the attitude of, ‘I’m not doing this or, I’m not doing that’. That just doesn’t work in medicine. They also must learn how to deal with failure. The thing about medicine as with all walks of life, Dr. Dunbar, is that we all fall down. There’s no shame in falling down and we shouldn’t fall apart the first time we fail.

But what we should do is learn from the mistakes that we’ve made. Learn from what has occurred, grow and move forward, and get back up. I like to say that there’s no shame in falling down. There is shame in laying there. And don’t let anybody fool you into thinking that their life is perfect. All that is, is a mask. We all fall down. We all have imperfections. We all fall short of the glory.

AD: My high school basketball coach used to tell us that exact same thing about attitude and altitude. My last question is going to be a little more global. Under the Obama Administration, we had the Affordable Care Act (ACA), and now that’s kind of been stripped down. In terms of the medical field itself, do we still have enough doctors? Is it still a thriving field?

CB: It’s very much a thriving field, and there will always be a need for doctors. I wholeheartedly believe in that. Artificial Intelligence will never be able to replace doctors, because they don’t have the touch. There’s more than enough need for physicians and, in many places, we’ve said there’s going to be a shortage of physicians in the future. That’s because we have areas where more physicians are passing away than physicians are being made.

The ‘Baby Boomers’ are probably a third of our physicians that we have in the workforce and they’re retiring at a rate of almost 1,000 every month. So, we’re going into a crisis of having more physicians retiring than those who are graduating. It’s a very interesting dichotomy and the American Association of Medical Colleges has been preparing different reports to show that. I was actually looking at one the other day.

The bottom line is that there’s a two-fold problem. We’re not making enough doctors and doctors are retiring, or we have enough doctors and there’s a maldistribution of doctors. Some would argue that theory. We have enough doctors, but all of our doctors want to practice where there are other doctors. But in actuality, we may need to redistribute them so that they practice in other areas that are rural and have less physicians in that area.

AD: Well, Dr. Bright that’s all the questions that I have. Thank you for your time and for sharing your path and knowledge and expertise about the medical field. A lot of people will benefit from this, and I look forward to doing it again.

Thank you for taking the time to read this interview. If you enjoyed it, you might also enjoy:

• Dr. Quinn Capers IV discusses Implicit Bias and the #DropAndGiveMe20 campaign- Draft • Dr. Quinn Capers, IV discusses his path, #BlackMenInMedicine, and the present landscape of medical education • The story of how I earned my STEM degree as a minority • How my HBCU led me to my STEM career • Researching your career revisited: Wisdom from a STEM professor at my HBCU

If you’ve found value here and think it would benefit others, please share it and or leave a comment. Please visit my YouTube channel entitled, Big Discussions76. To receive all of the most up to date content from the Big Words Blog Site, subscribe using the subscription box in the right-hand column in this post and throughout the site. Lastly, follow me on the Big Words Blog Site Facebook page, on Twitter at @BWArePowerful, and on Instagram at @anwaryusef76. While my main areas of focus are Education, STEM and Financial Literacy, there are other blogs/sites I endorse which can be found on that particular page of my site.

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weannoyingbouquetgalaxy-blog1 · 6 years

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Obviously in the UK, so please no irritating as hell Try Patriot Insurance based in Washington ... So far, Zurich appears to be the cheapest. But i'm guessing we can go lower. Im trying to insure a 1997 Fiesta, 1.2, 3 door with immobiliser. Only doing 1000 miles or less each year. I have been out of driving now for 5 years. Can anyone recommend a cheap-as-chips car insurer? - It's ridiculous how just third party costs more than the car itself. My best qoute is around 580 - for third party ONLY. - A p*ss take. Thanks for your help.""

How much would i save on insurance by taking the motorcycle safety course?

and is their other beneifits to taking the safety course like, getting a discount at the dealer place or something""

Insurance for renting a home?

I'm renting a home from a friend, and she says that she has to cancel her home insurance. Is there rental insurance, or any more suggestions.""

How much should a motorcycle insurance cost?

A little about me: -age 23 -driving licence for both cars and bikes since 2008 (European version) -have no previous claims or penalties -I do drive cars for the company I'm working for -the bike is a 600, 2013 model -I'll buy a security device soon -was thinking of having a 150 pounds voluntary excess""

How much does the insurance company raise your rates if you use your car for work?

I'm talking about reading meters where I had to use it everyday, often driving from house to house or business to business all day. And I still have a lien on my car. I currently pay about $60 a month.""

Can I cancel car insurance before expiration date?

I got car insurance and paid a fee but the expiration date says it ends in one year, I paid for 1 month and now I need to get insurance from another company. Do I cancel the insurance I have now? if I dont will they charge me every month? Or should I just forget about it and let the ppl cancel me off.""

How much would insurance cost for a 98' 4x4 Z71 Extended Cab.?

I am 15. Been driving since like December. No tickets or wrecks. I have a 01' Silverado Extended Cab 2wd would it cost the same? Also we have safeway. I am on libiaty or w/e it is.

Any lawyers or insurance agents out there?

I won a long fought Small claims case. The lady I sued has insurance, business insurance, not car related. 8 months ago her insurance company denied the claim. I went to Small Claims and won. Doesn't the insurance company now have to pay me if I send them a copy of the final judgment? I also won on her appeal, so its final. Thank you.""

I want to by a nissan s-cargo does anyone know anything about them or what the insurance cost is?

http://www.carfolio.com/specifications/models/car/?car=131516&Nissan-quote Nissan s-cargo this is the site for my car and I love it just curious what the insurance will before I make a offer and would like to hear opinions and stories about them.

""My girlfriend lost her job, and our baby has no more health insurance?""

My girlfriend and I do not live together yet. I work full time. She worked fulltime at starbucks. They fired her today. Our 3 month old son was under her insurance, and my open enrollment just passed so I cant put him on mine until next year. I live in the state of California. I do not live with her. She lives with ehr parents... and I room with my brother and his girl. This economy is really jacked up. I want to get a place with her, but how in the world will we get insurance for baby boy until I can put him on mine?""

What do the left mean by making health insurance 'affordable'?

Affordable is a relative term. Affordable to who? It is already affordable to tens of millions of Americans. How can it become affordable to the poorest when they don't even have the means to feed or house themselves?

""What are some good, low cost family health insurance plans for...?""

My husband and I need health insurance. He is a full time student and I am full time worker. We cannot get decent health insurance through his school or my work. We are looking for a low deductable, 0% coinsurance, and we need something with great maternity coverage, since we're planning on starting a family soon. If you know of any great plans like this, please share! Thank you for your help!""

What does it mean when a person put you under their car insurance?

im getting my own car and my brother in law said that he would put me under his car insurance what does this mean? does it mean i will be having my car under his insurance with the same policy and i will be paying the same amount as he is or does it mean that i would be having my own insurance policy and i would bee paying a whole different amount?

Cheapest insurance for first time drivers?

i need help on finding the cheapest insurance for first time drivers i am 18 and near ending my lessons for my driving test and want to know cheap insurers for my first insurance wihout the little black box in my car, and also is it best to ring or online for my insurance prices thanks""

""Insurance,life?

I'm 38. my wife is 33. non smokers. which insurance make more sense. i have whole life with long term care. my wife is looking into term insurance. which is better?

Can I finance a car while on my dads car insurance?

I am looking to get a used car really soon, I have saved up enough money to put a good down payment down and have had a steady job for a little over 2 years now. The question is, will dealerships let me finance a car even tho I am on the car insurance with me dad? I am 20 yrs old and I still have insurance with him because I am a college student and also because I still live with him""

""So i have a full coverage on my car insurance, and now this situation, need advice?

The insurance estimator guy told me that i can only take my car to a specific place to be repaired OTHERWISE he is going to tell me that the car being ruined was my fault (it ...show more

Insurance coverage question?

I was involved in a three car accident, the car that started it came in to main street and got hit by one car, consequently he lost control of his car went across the next lane and hit me. His insurance already told me they are taking liability and will pay both drivers' damages, but he said that California minimum liability is only $5000, so they are planning to divide the $5000 to cover both drivers. However the damage in my car and the other guy's car exceeds $5000. I thought the limit if indeed is $5000 it should be $5000 for each driver and not for both. What do you think? Maybe they're just giving my the short end of the stick or twisting things for their convenience. Anybody knows for sure how it should work?""

Can you personally propose a govt. health insurance program that would satisfy the majority?

1998 Honda civic, had a car accident, back tire smashed in back Axel is bent how much will this cost me?

Any chance my insurance company will decide to total it out?

Financed a car- car insurance went WAY up?

My husband and I recently sold our old car and financed a used low mile 2007 ford fusion. Our car insurance previously was around 60 dollars a month, now it's over $200.00. The reason our rate increased was our finance company requires certain insurance (comprehensive and collision) that we didn't have before. My question is, do we have to keep this insurance on the car throughout the financing period? They sprang this little tidbit on us right before we signed. We tried to get financing three weeks ago and suceeded, but the person working with us went out sick with swine flu and no one from the bank let us know. We ended up calling last week and they put us with someone else/ It put us in a time crunch since my husband was leaving for Naval OCS the next day. If we have to pay it, it's not a big deal, but we're a young couple and it's money we could be putting towards our student loans.""

Is there cheap health insurance for students?

If so does anyone know? or have it? best insurance?

Does anyone know anything about Metlife Life Insurance Policy's?

I am trying to claim a life insurance policy on my dad who passed a month ago.I was the beneficiary but Met life is hassling me and says that it was never on file.He paid forty years on a 10k payout and now they say the company he worked for told them there was no beneficiary when I am told by that company he worked for that I am most definitely am on the policy.My dad changed it over two years ago after my mom died who they also said was never on the policy!!! The woman said they will not except any papers from that company now as to confirming this due to it already being filed. They want me to get a paper notarized saying that i'm trying to get it but yet first want to know all my siblings names and their ssn so that it will be divided up or paid out to unpaid credit cards.Has this happened to anyone before? I cannot pay funeral expenses I have 7 greedy siblings who didnt help me one day in the last 3years of taking care of my elderly parents! If my mom was still alive and this happened to her OMG Why even get an INS policy if they treat you like this??

Is there a dental insurance college students can go on?

I am a college student without insurance. My college doesn't offer any type of insurance for their students, and my parents do not have dental insurance either, but I was wondering if there is a low cost dental insurance I could go on.""

Will my dui affect my dad car insurance rate?

I got a dui and my licence is suspended and I currently don't have car insurance. Im not covered on my dads plan or any plan. When he gets new car insurance next month will this affect his insurance or no because im not on his anymore?

Best california car insurance?

""Any good, affordable companies to get life and disability insurance from?""

Any good, affordable companies to get life and disability insurance from?""

""Is there a type of independant health insurance that is cheap, or semi cheap? And that is not a fraud?

I am a student and Im poor!

Progressive insurance help?

im going to be getting my permit in a few weeks but i was wondering: will my parents' Progressive car insurance rate go up wen i get it?

How much is car insurance usually?

and what makes it change? car type and age of owner?

Universal life insurance as a savings plan?? Is that a good idea?

Ameriprise Financial is sellign me 400k life insurance policy that costs 200 per month. They say its like a savings plan because I can access 90% of the 200 per month at any time. Is this a good idea or a scam??

Need help with car insurance questions.?

I'm getting my license in a few months and I am looking into car insurance and so forth. I live in Gulf Breeze,Florida. Taking the drivers ed. class. Make A's in school. What would be the best car insurance company to go with? The cheapest car to insure? Anything really that you know and could give me information on would be greatly appreciated. Thanks""

How can i get cheap motorbike insurance? UK?

im 19 years of age just passed my test and my insurance is going up by like 30-40 pound, it should be going down! and then there charging me 50 to change policy! haha 80-90 pound stupid. and im already paying 350 a year for third party!! on a honda 125 vararedo with 1 year no claim bonus!! when people are paying 50-100 a year fully comp!?!?!?!?! i said locked building. got alarms locks data tag!?""

Do I have to have car insurance?

I'm 18, and I'm getting my first car that I'm paying for in two weeks (2006 Ford Mustang). Unfortunately, I don't think my mom will put me on her insurance. I don't have enough money to pay for my own insurance. My mom told me its illegal to drive around without insurance (Is this true? And how would police know?) Also, what would happen if I got into a car accident with damage to both cars and I was at fault?""

""Car insurance cancelled,what to do?""

I've had car insurance for around 5 months and because i was late on 2 payments they have cancelled my insurance today. i'e looked for an alternative insurance but because i had it cancelled nobody will take me on. is there any other options,surely somebody being late doesnt mean they cant ever get to drive again??""

Car Insurance (No car)?

So this might sound a bit dumb, but I was wondering what are the steps to getting car insurance before you own a car. The problem I have is I am afraid of wrecking the car on the drive home from car lot and not having insurance!""

Would insurance be cheaper on a 99-01 mustang GT than on a newer 02-04 for a new driver?

I was thinking about getting a mustang GT sometime after I turn 18 and after I get a job. Right now im 16 and have no license but im going to take drivers ed soon.

Am I better off not reporting vandalism to my auto insurance?

My back window was smashed out, and I appear to have a $500 deductable for comprehensive insurance. If I can get the window fixed for less than that, is there any point in telling my auto ins? If I do tell them, will they raise my rates? Any harm in not telling them? Thanks!""

Best Affordable Health Insurance in Indiana?

My fiance is currently making about $1200 cooking full-time at a restaurant. Our rent eats up a little more than half of that. He needs to find an affordable insurance plan and he's tried at work but we've heard it's not a very good value for the $200 he'd be paying a month for it. Can anyone suggest some affordable health insurance plans? He's reasonably healthy, does not have any pre-existing conditions, but he does smoke.""

Car insurance question?

To cancel car insurance will be 480 plus 50 admin fee to cancel this now ive lost my job. ive had insurance for 2 months and know they are all doing this cancellation fee now but i only got a car for work purposes and now they've made me redundant how i am expected to pay the 530? what can i do is there any options because i simply cant afford that amount.

Does an 800cc motorcycle's insurance cost much more than a 600cc?

I found a bike I was thinking about buying to learn on today. I like the bike and can't beat the price. I read on yahoo answers soeone said 750cc bikes are actually 749 b/c insurance goes up significantly after that. Is that true? I'm not getting the bike because I want a bigger bike, Id be perfectly happy with a 600 but its a good deal for this bike I found. Will i save alot on insurance and just wait to find a 600cc?""

""How much will my insurance premium go up after a speeding ticket, I'm 17?""

I am a 17 year old male whose car insurance is roughly $200 a month from Travelers. My parents (unlike me, haha) are perfect drives and have had no recent violations. On the other hand, I got pulled over in MASS for doing 86 in a 65. It won't happen again. I live in CT. How much do you think this will increase by? and when I renew could my insurance company decide to not run my DMV record?""

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""

Is it cheaper to get insurance on the same car or on a second hand car?

hi im taking driving lessons and my test is soon. I want to know if it is cheaper to get a second hand car and get insurance on that or get insurance on my brothers car. Which one is cheaper?

Is insurance expensive in San Diego?

Looking to move to Cailforna .How's the insurance out there?

1998 Honda civic, had a car accident, back tire smashed in back Axel is bent how much will this cost me?

Any chance my insurance company will decide to total it out?

What company do you have your home owner's insurance with?

Buying house and need to get some home owner's insurance, need a few places to get quotes from.""

Is insurance for a V6 going to be automatically higher than a 4cyl?

Getting an Audi A4. The 1.8t (4 cycl) is the same cost as my insurance now. I found a 2.8t (v6) that I liked better though, and did not ask if that would cost more... Think it would kill my insurance?""

Do red light camera infractions hurt your insurance?

on the ticket it reads: this infraction will not be a part of your driving record and will be processed as a parking infraction. I live in Seattle, WA.""

What is the average insurance for a 17 year old female driver?

The car is going to be a 2003 Oldsmobile Alero. Going to have drivers ed and a the 5 hour driving course. Living in NYS. About how much would it be per month?

What if: Driving without proof of insurance?

What if someone BORROWS my car and gets caught driving without proof of insurance (my insurance card?) NOT saying there is no insurance - the car is insured. But what if the person gets caught without my insurance card? Who gets charged? Will my insurance go up?

How much will my car insurance cover damages to the other car?

I backed into a parked car and apparently broke the tail light and a small dent on the bumper; my car didn't have a scratch. I freaked out and left with out leaving a note. About an hour later I get a phone call from police saying I need to come back to the scene. I came back and told them the story of what happened. The guy I hit agreed not to press charges and the officer agreed not to arrest me for hit and run as long as I provided my info. So I cooperative and provided my insurance info. I'm fully covered. Will my insurance company pay for all the damages to the guy's car or only a portion? So far I've only received a phone call from my insurance company that I have $500 deductible. And I have yet to hear from the guy for repair estimates.

Who has the cheapest home insurance policies in California?

Time to renew and I need to start shopping around.

What is the best type of renters insurance available in California?

I want to get renters insurance in California, any good affordable ones available? I noticed nationwide and statefarm are not available here. I am using Geico for car insurance. TIA!""

Help! im trying to find car insurance!?

help ! i am trying to find car insurance for a bog standard vaxhaull corsa and each time I have done a quote for TPFT the price is no less than 1800. I am 19 and have held a clean license for 1 year. Any suggestions? I am going in an hour to buy a car.

Will getting married affect me being on my parents car insurance?

Will getting married affect me being on my parents car insurance? My mom knows we are engaged my dad won't even know that until December. My husband and I just got married yesterday but our ceremony is not until August. I realized today I am on my parents car insurance. Am I still going to be on there or are they going to send a letter to them saying I am married or something? He already paid the premium until April 2012 with me on it so I don't think they can take me off til then? Maybe at the end of the 6 months I should tell them since I am getting married in 4 months I want to get my own car insurance since it wont be the full cycle done before I am married. IDK I just wanna know if the company will say your married daughter cannot be on your insurance??? I am kinda freaked out.

Is insurance expensive for two cars (one person)?

I have an automatic car right now and I really wanted a manual but not as an everyday driver.One to just work on and drive occasionally. Can i just switch my insurance from one car to the next, instead of paying for two at the same time?""

Where can i get really cheap braces in California?

I need braces, I do have insurance I am a teen we cant really afford them. I would probably need a year to two in a half years with them. Thank u""

Can I fight a NYS TVB no motorcycle insurance ticket?

I got five Traffic Violations Bureau tickets on my bike: Uninspected - $145 Unlicensed Motorcycle Driver - $175 Motorcycle Unreg (istered) - $175 Improper plates - ? Uninsured - ??? The tickets will cost me more than the bike is worth. :( I now have the bike insured and a license; any chance the judge would show leniency (clean license/record) and throw out one or two of the tickets? (Do I postpone and hope the officer doesn't show up?) Also, I'd like to plead on-line but the tickets still haven't shown up (getting close to the 15-day deadline). Will I have a default judgment against me if I keep on waiting? Any idea how severe no insurance on a bike is for the TVB? Sorry for all the questions, thanks in advance.""

Help! Car insurance question?

If you get pulled over and it's not a wreck just for speeding and u don't have car insurance do u get ur license taken away? Or what can u do to have theme not taken away if so

""Cant B on husbands car insurance, he said no cuz dad is on it & he wasnt gonna stop lending his car 2 his fam.""

I would like to be on my husbands car insurance. He said no because his dad is on it and he was not gonna stop lending his car to his family. He would however open a separate account for me. I asked him to stop lending the car he said no, it was his car.""

How do I sue my car insurance company?

I was in a car accident in March 2008 in a parking lot. The insurance companies BOTH decided that we were 50/50 at fault for the accident. During this process I kept getting phone calls asking me to verify WHY a person not on my policy was driving my car at the time of the accident. I repeatedly corrected the insurance companies...yes BOTH of them...saying that I AM AN INSURED DRIVER and I was driving my car. I had no passengers. I was in an accident with another single driver with no passengers. Eventually it seemed like everything was fine. The claim closed on May 2 and I thought it was all over. BUT today, May 29, I received a letter in the mail telling me that policy is being cancelled because WE HAD REQUESTED INFORMATION REGARDING --------- AS THE DRIVER OF THE 03/27/2008 CLAIM. TO DATE, THIS HAS NOT BEEN RECEIVED. I have NO IDEA what they are talking about. He is the OTHER driver. However, they are pretty much ignoring my calls and emails. What can I do???""

How do I get Car insurance before i get my Drivers License?

I'm under 18 and im getting ready to get my provisional drivers License. They said i need proof of insurance to get my license. But how do i get insurance if i dont have a car? I know people usually are supposed to be added to their parents insurance policy to take care of this, but my parents dont have drive or have insurance........ What do i do? Ive heard that i should get an uncle or grandparent to add me to their policy, but is that true? Help me out... thanks""

""Insure the box car Insurance, Why so Cheap?""

I'm a 1st time driver so insurance is always stupidly High, However I was checking quotes online and they were all near enough same price ish 2200 for a 1.2 engine, however I did a quote with insure the box and it was ONLY 935.45 with Voluntary Excess at 250. I know about the 6000 miles and the box and all but this is over 1200 cheaper than any other insurer. It just seems too could to be true and normally things are, or are they? Anyone give us a hand with this please, much appreciated""

Motorcycle insurance?

I want to get my motorcycle license this summer then buy an old bike to ride for awhile till i learn enough and buy a new bike later. But i want to know how much the insurance would cost me. Im 17 and live in California. And i want to get a 1985 Kawasaki. Whats the cheapest insurance i can get? How much is it?

Hi im an 18 yr old male and have my permit but want to get car insurance whats my best bet?

i dont have a car, 18 yr old male, have a permit, CANNOT be put under my parents insurance.""

How Much Does Insurance Cost For a teenage driver (16) in texas?

my 16 yr old son wants a sports car. i was wondering how much it would cost for insurance and what is the best company for teen insurance.

What is the price range for insurance on a 07 mustang premium v6?

I am 20, I live in AL. no accidents or violations. I want prices or estimates please, not what I should consider n etc... Thank u""

Teen car insurance in Las Vegas?

I'm going to be 18 in January, and I'm moving out and going to be having to pay my insurance on my own and just wanted an estimate of how much my car insurance will be. I don't have my license yet (because I currently live in the Bahamas) but I'm getting it the second I go back to Las Vegas. How much do you think my insurance will be? I'm just going to have a simple little car, nothing big. But what's the best insurance to use, for one, and two how much will it be a month? And do you get student discounts or anything like that? Any information will help... thanks""

How much usually insurance cost when you lease a car?

Car Insurance Company have had my car for OVER A YEAR.?

Ok, so this is a little complicated... Oct 2008 I had a car accident. My car was written off. My car was towed to a garage and was held there while the insurance company evaluated the damage. THAT WAS THE LAST TIME I SAW MY CAR. Because the size of my excess (800) and the amount of damage matched the value of the car (800) I was advised it would be pointless to claim on the insurance and it was written off. The accident was my fault and I held my hands up and admitted it and the other party walked away with everything sorted. No suggestion of fraud and certainly nothing fraudulent on my part. Towards the end of 2008 my insurance company started falling off the radar, not returning my calls or my emails, letters etc. I repeatedly asked what I was supposed to do next (I'd never had an accident before and the whole process confused me because they kept giving me conflicting info) and where my car was. I was ignored (or given incorrect info). In the end I declared a SORN on the car and had so much going on in my personal life, I forgot about it, knowing the car was off the road. Anyway, I'm now trying to track the car down as the SORN is about to run out. Insurance company are still off the radar and refusing to answer. Now they're saying they have no record of me, my policy OR my car. So I've lost my car, I don't know who's got it and yet I'm still liable for it. What can I do? Can I get the police involved? Trading standards? ANYTHING? I don't care about the car, whoever has it can keep it! I just don't want to be liable for it! By the way, the insurance company involved is SwiftCover.com, in case anyone is thinking of going with them because they're cheap. They're cheap because they're RUBBISH.""

1998 Honda civic, had a car accident, back tire smashed in back Axel is bent how much will this cost me?

Any chance my insurance company will decide to total it out?

https://www.linkedin.com/pulse/bell-insurance-harry-escobar/"

0 notes

clamonnaturalhealth · 7 years

Text

Multiple Sclerosis Major Improvement

this is from friend that has adult MS, she bought a bottle about 5 days ago…….. Oh and by the way… We got in them drops last week and we both been taking them twice a day now for about 5 days now… And it seems to be helping Heather… She was able to walk Walmart today better than she had been and she has been able to pretty much stop taking her moloxicam & neurotin…

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From Jennifer

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Susan shares:

Long testimony! I have suffered for 20 years from fibromyalgia, horrible headaches, super tight painful muscles, stiff joints, depression and anxiety. Most recently March 2016 I suffered a hip injury, started limping which caused greater trochanter bursitis, tendinitis, and I have been limping ever since. This caused problems with my SI joint, muscle spasms in my legs, and plantar fasciitis. I have gotten injections every 4 months just so I could continue working. My quality of life sucked because I was in so much pain. This wonderful woman ordered some CBD oil for me and told me to take it. It took me 4 days to try it and the only reason I did was because My pain kept me from sleeping and I could barely get out of bed. I started out with half a dropper full of 500 mg and It started working immediately! I could feel my muscles instantly relaxing. I’ve been taking half a dropper 2x a day for 2 weeks and I feel like a well oiled machine! I don’t have any joint pain at all and I feel like my whole body moves so smooth. I am not limping anymore and my plantar fasciitis is better. I don’t even think about taking my anxiety medicine because I feel so calm. My headaches are almost non existent and I can go for days without ibuprofen or Tylenol. I am in such a good mood because I feel great! This stuff is a miracle and I wish I would’ve found it sooner. All this stuff didn’t happen overnight..it happened gradually so give it time to work and take it consistently. Thank you God! CBD Oil Is it Legal? What is it? Will it Help Me?

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From Kelli:

HERE IS MY PERSONAL EXPERIENCE::: Well, folks. Its been a week since i started giving Sierra the CBD OIL in place of her 20 mg Adderall 3X daily. I guess i should start this by telling you all that Sierra has ADD/ADHD/ & ODD. While the pills do work, they have horrible side effects, such as thoughts of suicide, depression, sleepiness,and not to mention the horrible mood swings, plus many more that i wont go into. Sierra isn’t quite 15 yet. She has always been on the Honers Roll and been a top student. However, she can sometimes be mean, both physically and emotionaly. I researched this product for months. After all, I was going to be giving it to my child. After seeing other parents sharing about the results that they were having i decided to give it a try. I absolutely HATE giving my child her prescribed medication almost as much as i hated the side affects it gave her. For the past week i have been giving Sierra 5 drops in the morning and 5 drops in the evening. I stopped the medication completely before doing this several days before hand. Her and i both noticed a difference on day 2!!! Not only did i not have to fight with her to take it, but she actually said, “Hey mom, do i take that calming oil again today?” That is NOT normal for her. Within just a cpl of days of taking this oil her mouthing and meaness has all but subsided. There is no more anxiety, her ADHD/ADD is non existant to those around her, and her ODD is nowhere in sight. I cannot tell you how happy I am that i gave this product a try. I am now taking it myself for my pain from my endometriosis and since i started taking it i haven’t taken any over the counter or prescribed meds for pain. I absolutely love this oil and i fell so very grateful that i was introduced to it. All You Need to Know About CBD and Anxiety (Infographic)

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From Christy: i have been taking the 500mg oil for just over 4 weeks. I have had great results with regaining my clarity, less anxiety, energy level is up, and fewer night sweats. I have also noticed how my finger nails have become harder and grow quicker AND my hair feels thicker and darker. Anyone else experiencing less gray?

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Hello. My name is Glenda. I’d like to share an experience that I haven’t seen here. Today is Tuesday. Sunday night I felt the manifestation of a cold sore, a fever blister, on my lip. I put a drop of HempWorx CBD oil on my lip before going to bed. Yesterday morning, the swelling had gone down and there was no pain. Another few drops throughout the day (maybe three total). Today, Tuesday, completely gone! I love this stuff! Thank you for being patient and showing me this marvelous product which I now share as well. Blessings to all.

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From Jenny .. “My personal testimony: In September of this year, I was about to marry the man of my dreams but my body was so uncooperative. I was on 14 different medications. I was chasing symptoms and side effects. I was miserable, stiff, and in pain all the time. I was about to get married and just barely even mobile. I did a lot of research on different brands. I finally decided to try Hempworx. I started with just 5 drops of 500mg 2x a day. I worked my way up to a full dropper 2x a day and decided to move up to the 750mg. It took some time to really feel a difference. It didn’t happen overnight. After about 3 weeks I started noticing that I was taking less pain medication so I cut down on the long-acting dose I was taking. Over that next week, I started cutting down on everything. Currently, I’m not on ANY extended release pain medication, no NSAIDS for inflammation, no sleep meds, no acid reflux meds. I take my Humira injection weekly and my 2 meds for diabetes and that is IT. From 14 meds down to 3 in a 3-month time frame. My advice to you? Be consistent. Give your body time to adjust to the changes. Don’t give up, you can and WILL feel better!” Fibromyalgia and Chronic Pain, explained, Including CBD Oil

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Last week, I followed my gut and took Ryan off ridalin, with his doctors consent. He would come home agitated and filled with anxiety and just did not want to be anywhere. No appetite which I was told was normal and loss of sleeping. Headaches and imagining bugs and over moody started to appear after being on it for 6 months BUT he was getting amazing results at school which is what I wanted. Don’t we all want that for our kids.

Last week I decided that was enough, I miss my boy, doing good in school wasn’t worth it. So I reached out and got some ordered. I talked to her back in September but it was working so I wasn’t completely on board just yet….I did my research. I thought it was illegal…BUT ITS NOT!!!! Look you the farm act, CBD oil does NOT have THC which is why you can buy it in Minnesota

The first day of switching with his new meds that aren’t a controlled substance and the oil, his body was adjusting….he did not have a good day. But Tuesday no note was sent home, his school work was done and he was his normal energetic self! The third day was the day it hit me, he got off the bus just tired and Hungary. He’s only in kindergarten, that’s a long day…..I listened to him complain, I put the drops under his tounge because he likes how it makes him feel and five minutes if that complete 360….we were talking about his school day and what he drew and my plans for the night which he didn’t fight me, he was just happy and calm I’m sharing my story because I know alot of children are affected with these controlled substances and it doesn’t have to!!! #cbdoil #itworks #miracledrug

No more Xbox or screens to just make it through the day!!! He’s just happy to be alive and around us again.

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DISCLAIMER: The information here is NOT medical advice. Do not institute any changes in your current health programs without consulting your Medical provider. For medical advice please consult your private physician or preferred health service provider.

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DISCLAIMER: These statements have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure or prevent any disease. The Food and Drug Administration (FDA) considers non-THC based hemp products to be “food based” and therefore legal without a medical marijuana license.

CBD Oil Testimonials (more from Hempworx amazing stories of healing) Multiple Sclerosis Major Improvement this is from friend that has adult MS, she bought a bottle about 5 days ago........

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