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#please tell me what first comes to mind when seeing cbt. this is a matter of great importance .
leowifefang · 1 year
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ryanmentalhealth · 4 years
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Mental Health - Inaugural Post (20/09/2020 - 03:00)
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So, here goes. This is my first post regarding mental health. It has been a very long time since I have done this. I have been thinking a lot recently regarding blogging and posting about my mental health but time and time again I have chosen not to. I hope this helps more than it has in the past, because in all honesty, I am struggling, more than I have admitted to anyone recently. 
Admitting to my family that I am suicidal and that I am really struggling with my mental health has been one of the hardest things I have ever done. I don’t come from the most supportive or affectionate family, but to give them credit where it is due, they have been amazing. Everyone has rallied round and has tried to support me in their own little ways. The case is the same with my friends. Some of them have been absolutely amazing, checking on me on an almost daily basis but respecting when I need some space or time alone. Just knowing that I am able to just pick up the phone and phone them, no matter the time of day or night is a massive safety net for me. They have no idea just how grateful and thankful I am for them. They have quite literally at times, saved my life! 
I have missed my last 2 meetings with my support worker, the first one due to me getting my times wrong and thinking the appointment was 3 hours later than it was, the second as a result of me slipping down my steps and thinking I managed to break my ankle (I did not btw.) This has had a huge impact on me over the last few weeks. We had managed to do some excellent work together and she managed to help me understand a lot about my mental health and has been working to continue this work. I have my next appointment on Tuesday and I am really nervous about it. I am scared because I think it is time to admit that I don’t think the CBT approach is right for me at the moment, I think I need to see a psychiatrist and have more involvement with the primary care mental health team. I guess I just need to be honest with her and tell her exactly how I am feeling. 
I have been off work now since the 14th July, not due to return until the 25th October. I don’t think I am going to be fit to return at this point. I am not ready, I am no where near ready. The way I feel at the moment, I don’t know if I ever will be ready to return to work. I still feel suicidal, every single day. Literally, every.....single.....day. If you have never had thoughts or feelings of suicide then I can tell you this much, they are terrifying. Every single thought fills you with absolute fear and panic, dread and anxiety. It is horrific. As I sit writing this blog, even now, the thought in the back of my mind is as such, “Surely it would just be easier to swallow all the pills. Just do it, overdose, it will stop the fear, the anxiety and the panic. Just do it, you won’t continue to suffer if you just do it.” That being said, let’s be clear about one thing. I am NOT going to kill myself, not a chance, I am not going to loose this battle, these thoughts and feelings are not going to beat me. 
My sleeping has not in the least improved either, as can be witnessed by the fact that at 03:19 on a Sunday morning, I am sitting here, writing this post instead of in my bed sleeping. Before people start hitting me with sleep hygiene advice and such, I was in my bed at 2300 last night and lay there, staring at the ceiling until I decided to get back up out of bed at 0130. I was not using my phone, I did not have any TV or Music on. Just me, bed, a lamp and a book, which I only read for around 20 mins before deciding to try and fall asleep. Something that really is bothering me about the sleeping issue is that I have told my GP about it multiple times and every time he just gives me sleep hygiene advice and tells me not to watch TV in bed and not use my phone. What I need is something to help me sleep, something that will assist me in developing a strong and healthy sleep routine. I used to take medication in the evening that would make me drowsy and assist me off to sleep but this was changed to a different medication recently, making the sleep issues even worse. Interestingly, but not surprisingly, when I get no sleep or next to no sleep, the thoughts of suicide are worse! 
As well as the sleep issues and the thoughts of suicide, another issue that I am having is the lack of ability to leave the house. Every time I want to leave the house alone, I have a massive panic/anxiety attack. This has been exacerbated by the pandemic with the need for of a mask (which I will ALWAYS wear when I am in a shop or on public transport btw, I am not an anti-masker!) but covering my face makes me even more anxious which, given the fact I am already a walking bag of absolute panic, fear and nerves, I can promise you is not a good thing! Every time I go near the door to head out, I suddenly get an overwhelming feeling of terror. My hear rate increases ten fold. I start to sweat profusely. I feel dizzy. I start to have irrational thoughts of harm coming to me if I leave the house on my own, getting run over, getting stabbed, getting attacked, even thoughts of being shot. Where do these thoughts come from I hear you ask? Well, I have no idea, Nada, literally nothing.  I can’t even go out from my house to the local corner shop, literally 150 meters from my front door. This is becoming crippling now. Crippling and terrifying. I also develop sudden exhaustion when I think about leaving the house, suddenly, regardless whether I am tired or not before hand. When I open the door, I get a horrific feeling like being in a tiny room, with the walls closing in on me, I feel trapped, like a caged animal. Can you understand just how confusing that is to me. Outside, stepping out of my door, that is how I feel. Trapped, outside... 
Another thing that has started happening again recently is flashbacks, memories and reminders of some horrible things that have happened in the past. These, I think, are having a huge impact on my mental health. I am remembering certain traumas. One time recently, I woke up after a nightmare and thought for around 30 seconds that I was back in that very situation again. That was the single scariest experience I have ever had. I feel like I am never going to be free of that trauma but that is something that I really need to work on. 
Also, in relation to the image attached to this post, you will see it is a quote from the author Bill Maher - “Suicide is a mans way of telling god, you can’t fire me, I quit!”. I have chosen this image for a number of reasons. 1) I absolutely adore the quote. It has always been one of my favourites. 2) It’s true as fuck! 3) I lost one of my closest friends in January to suicide, something which even to this day I am still hugely struggling with and he spoke often about just how much he loved this quote. in fact, he was the person who introduced me to said quote. 4) I think that ever post deserves a good quote, so every one of my posts will have an image of one of my favourite quotes. 
I will begin to round this post up now, as I realise that it is very long. My intention is that I am going to try to write one of these posts at least once per week, more if possible. If you have an interest in mental health then please feel free to follow me on tumblr or twitter. You can find my twitter handle on my page. Also, if you have any stories you would like to share with me or if you wish to ask me anything, please reach out and do so. 
If you, like me, are struggling with your mental health please know this one thing. It is ok to reach out and ask for help, it is ok not to be ok! 
Much Love, Ryan 
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bemybestoy · 4 years
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Genesis of me
Genesis: becoming me! Hello bitches and kink lovers,This blog shall be an open letter to guide and smooth out  our relationship as I am sick and tired of how a dominatrix and a sub's role are misunderstood. Let me introduce myself, I am Krisztina, a pro domme, in my 30's and I am embracing this role for around 8 years. Meaning I am highly experienced and I tried it all, expect the practices that reach out my limit. Such as permanent damage, I would never put the life and health of a slave of mine in jeopardy not thru my instructions or even just widness(you cannot even imagine thru years how many times I was asked if we can perform a c2c castration  precedure, stabbing with knifes or swords for any amount I can posibly think of asking. I repeate it was about c2c so not bulshit as I would watch all along). When I refused such life threatning session I was offered same only to watch, not to instruct. Answer is still NO everytime. BDSM is not abuse, it is not guided endangerment, it must be sane, sane, consensual and have very clear boundaries of safety. To rewind i started to explore this world in my early 20s ofc and suprise , suprise in real life. Even if i am mostly an online fetish chathost and online domme, I did not know such sections of BDSM exist in camming world, till after a few years i have done dominance in real life. Let me explain! So I had a mid managemnt job after my university in a multinational company, which was and still is top 3 globally in its field and shall always be. There is not even a child all across this world that does not know what company is about when hearing it's name (do not be cretin enough to ask me the name, I will tell NO to your face. Or ask you what info you wish next home adress, Id identification number, blood group or home keys along with an open window in case you do not manage to use the keys:)) ). So i was there around 1 years and half and had a long distance relationship with often travelling . We all know those never lastunless one of the two moves abroad. So I hapilly informed my family and work collegues I wish to move to a different country to move in with my bf/ soon to be fiancee. The question in everyone's head right now was you bf your was Ds relationship? the honest answer is hell no! my bf was alike me a real alpha, one of the strongest man psysical and mental both and definetly would not take attitude from no woman (not even the love of his life, unless he was dick and she was right. To understand you need to picture a man at height 1,95 cm and around 100 kilos all fibers and muscles as he had been a kickboxer and when i met him a trainer for kickboxers at European level. A true montain of a man who yet never felt his manhood threaten if he discussed his feeling with me, his desires, his sensibilities, things i would do or say to hurt his feeling even involuntary a I was busy all the time and moving fast etc). So not only that he was not the submissive type, but even if we were in harmony from time to time he would give me 'attitude'. Now even if I am pleased and happy, even if I amm not the nagging type, no matter who you are and how much I love you, if you cross me I will whoop your ass. After a fe episodes, as chasing him thru the apartment every room with the moop tail pointed a him to kick his ass until he ran out, threating to stab his hand with a fork when he tried to touch my steak after leavig him without one as he made clearly to me he was not a pussy to carry grocery bagsand hence to help and many as suchhe decided I should meet one of his best friend from high school, a lady leaving in a city close. He said we would get along perfectly and the lady and I would get along perfectly. Who would knew I was in for such a big suprise.....(cheshire cat as i recall and type). So I did not know much about her ad what she does for a living when we were instruduced. We had  lovely conversation, then she invited me some day when i am off work to visit her house, met her husband also and spend some more lady time together(I was a manager in one of my bf business a gran coffee shop/ bar it was quite big and had 2 floors one was coffe shop and bar all white with blue lighting surrounding th wide bar and lower floor  couches and tables and ring dance for party rentals such as festivity, anniversieries etc. I done so many things in there: not only i would cash in all the money that being my main, but i would help the other emplyees by making cocktails- I made a course for that- , even cleaning or washing glasses, once out there i was the only personal managing or website, of course PR as even t planning as I was the one who organised every detail of our rental and someone even DJ, a lower floor had DJ booth with pro equipment which i manage to completely fuck up as I had no idea what I was doing and the booked DJ announced last minute he was so coming so my bf said as i am the most modern and tech savvy to give a try to see if i can work it. not only I was not able , but i fucked it up so bad we had to call a tehnician to fix it and he taught me basically how to use it on a minimal level to work it for the party which turned out great. Still cracks me out when i think of my face when i was sure i fucked it up lol. it was a dexter labority moment and his blonde sister deedee: i was like many if i press this and that i will fix it )  I was like well i cannot make it worse :))) Then I decided I need some female eergy without the 'guys' going everyday at my bf gym to do my box training, my krav maga and I gave a call to this lady ask her if I can indeed visit and when It is appropriate to come and suits her schedule.My employees and bf replacing me could manage a day without and i needed a getaway. She invited me in couple or days, my bf drove me to her house and then left to actually replace me. we had an amazing luncheon, laughed, make jokes, just getting to know each other mostly me and her, but also her husband. Then she informed me she had some work to do soon but i can wait with her husband. Unlike I want to come with her. I was like ok I want to come, ut i am not sure whether i disturb you and invite me just to be polite or if it is really ok. i mean i got the best manners you could witnes both on and out of my job. She said she would actually like to share what she does with me as she likes me and she is quite sure having such a strong and open personality  would not make me freak out. I was within my mind ' what should i freak out about?!'. but still acted al casual as i liked her myslf, it only made me very curious. I have a feline personality so curiosity is in my nature, though it is pure and observatory, not the gossip, lame and weak as usual women are. So..... she said she will be busy with work for around 2 hours and if i wanted to stay aside as she cannot pay attention to me. i was like ok... She then invited me at the basement where she said she would met at her 'office' a person whom she expects, as her work space has direct access from garage. Then we would both go downstairs. Well probably telling all cluess made you suspect or realise it was a full dungeon downstairs. a pro dungeon.you should have seen my face when i noticedall the tools, device,suspension systems and the rest of the toys. She looked at me patient and confident, without a care in her mind that i might judge or something.... let me soak it all in... then she asked: You still want to stay or do you want to go upstairs with my husband to keep him company thru soccer game was on tv? " . She was so calm as if she shown me a bush of pants in her garder:)) Then my first outspoken reaction to her it was one of a morron: my first words after what i have seen, my first question asked was if her husband knew about all these(as they do not share a house for more then 10 years). She said yes, but he does not interfer with her work, comes down sometimes, but participates rare and very dismissive toward whom she works with. So I gotten more curious. I obviously suspected what will happen soon, but never withness something alike.Well I done so many sessions and you remember even if having a perfect memory the big lines of the majority. The first one I had only as a peeper I remember in smallest little details. Bitch parked and had a hoody on. he knoecked and when was invited, he went down on his knees down on all stairs. He looked like a maggot or miriapod with his head down to do not cascade over stairs as he was not standing. She then informed her she had a guest which will attend, but will not participate. Not giving a fuck of his reaction. I;ve seen chain suspection bondage, over all punishment and esp cbt along with huge strapon penetration. Shge is quite tall1.80 and she really was at perfect level as he bitch even if him hanging from the ceiling without touch the floor or be close to it even. i was amazed and intrigued. So as soon everything was done and he left ofc i asked so many questions. She answered all with patience even if i must have been annoying like a child and not  take the time to put together the smarters questions. After i while I was blablabla in a hyper manner about what she does as a professional domina I was like wait! does my bf know about this? She smilled and said ofc. He sometimes rarely when visiting me participates even as a master helping mewith pain or bootlicking or stuff. He joins more then my husbnd who when bored and coming down to see when i finish at most lets his shoes licked by my slaves then goes upstairs. I found all these fascinaint and so alternative so ofc I wanted to see more.So often I would visit her as watch her sessions with her slaves. After several mouth a slave of hers made her after session a big financial tribute offer that i participate too and i can second her domining. She asked me if it is something I consider. I did want it, but felt like I would be clueless as per what to do. Even if you watch many times that does not mean you feel suddly like you can replicate that certainty in action. She said not to worry as bitch knows it is my first time and this and following her lead is exactly what it is excites him. So i mus not overthink, just try to have some fun. And damn! It was so much fun! the hormones, the excitment, the laughter from humiliation talk, the driven crazy look on the bitches' face, the overall experience. it was like wow! it is hard to paint it in words, with all lexicon richness or ability to play with words. it is pure extasy! :D:DAfter he felt she made sure he had a chit chat with a glass of wine, making sure i am good with all, she said how great i was as she does not like other lady dommes in general. What was the goodbye part when my bf arrved to pick me up in car she actually did give me my own tribute. how much money! like lots! Then she invited me often to participate in the session in which slave got excited about 2 lady dommes. I accepted that one per week as i was busy with my own line of work. I had so much fun more then a year. Seen lots, done lots.Then a night I was speaking to him in our bed, holding hands, after2-3 rounds of sex and many orgasms. My realtionships are very intimate and I always go for an open man, who is super smart so besides sex and comfy routine I would have a late night conversation till 4-5 am even if we had to bed up and work in couple hours. there is just something that it is most meaninful ina relationship, to communicate ina deep way and to enjoy it lots both of you. and get into each other soul, emotions and deepest needs.So I did ask him : what made you think she would like me and would like her? what made you believe i would enjoy all these as you know we do not do anything as such? He then said he met thru his life many type of women: brainy, prude, whores, dommes, swingerseven submissive lil fmale toys. And he said a true dominant is never made into one. Ofc you can be good if you copy and get exposured to it or at least satisfactory to a slave. But the best dominant are born, not made. It is in their nature and personalities. They give out clues all the time, no matter the random they do.It made me wonder lots. After a couple moment of silence with my head on his chest, lips against his neck and hand holded all thru our talk, just enjoying the thinking of each, the meaninful silence, i asked if he does not feel bothered about that facti enjoy myself playing with slaves when not only he do not do anything alike, but he is not playing with others either. I mean it is a vast emoions i fell which exclude him fully. he said ofc not, as our love life is something i need more then my alternative fun, thta he knows i can live without that experience, but i would be heartbroken if i was without us (you need to understand jealousy cannot be an issue here. Real pro dommes in dungeon do facesitting all dressed up thru latex or leather and it has got a suffocating breath control purpose. i will explain you why: first of all a n evelated domme cares about personal hygiene and she know there are many scat lovers visiting dommes. so to have one licking your pussy it is not quite sanitary. also ass worship is done thru leggings. the most expensive, best dommes will never allow a slave licking. that is just some vanilla crap made up buy hookers selling sex and bdsm aswell. a well respected professional odoes not indulge in that. I am not saing to use a slave for self sexual satisfaction makes you a bad, poorly skilled mistress. But you do that as a lifestyle domme.Meaning you have a domestic relatinship with your slave who is your life patner. Never in a pro dungeon relationship oral for a slave would be allowed or accepted). Drinking champagne straight from mistress soource yes, but without wiping after. You may have it fromshort distance her controlling her debit makeing her slave do not miss anything unless they agree before on a facial champagne game. But when you go to a pro domme you cannot expect her to enjoy licking pussy and ass. Not to mention licks or even nudity just because it arrouses you. so my bf knew my sex life involved only him, in vanilla terms we all know.And he was ok with my alternative fun. We were even if a modern couple a very faithful one. So our orgasms were only and strictly dedicated to one another, exclusively.He wasgreat in bed so i would have every single day more then ten orgams within couple of hours(we had wakeup sex, luch break sex and couple turns before bed, many squirty orgams, clit or vaginal without squirt). The most sexual gesture i seenin the pro domme who introduced me to this world is just around 3 times within one year to milk cock with latex gloves, but with ruin orgasm. she took hand of when she felt he would come load was shoot without touching he would lick after she pull gloved off and glove was washed after. More often she would make the bitch wank himself while she instructs him closeby. her husband accepted her line as he accepted and love everything about her, but he was like my ex fiancee: hear pussy, ass, breast, orgams, real sexual intimacy are for your pratner. Not for everyone. That is a hooker thing to do. To gave all that just just random everyones. One after the other.That is not what a real dmme is made off. Her strenght and charm comes out because he in full intimacy is hard to get if not impossible. And by all means a slave shoould be use till u reach full sexual satisfaction. But only for your chosen one or ones. I fyou are a lifestyle domme and have a slave as life partner or few slaves as toys as open relationship is ok. But you cannot expect same from a real pro domme! That is something builtand leveled up!PS Hmmm now to breath a lil as I poured everything  so fast. deep inhales and exhales. light a cigg after and build this disclaimer. my spelling is awful as you know me i type like a motherfucker in full speed. Ignore all errors and consider the essence of my phrases. I do not believe in going back to spellcheck unless you publich a book or something editorial. I did that during university in an non paid internship, both as corrector and publisher. But it was a publication spread and shippd on a national evel. And in both roles i learned that the first message and thought till publishing as you go back several times are worlds apart. So much changes. And since I do not publish something wanting to be of intellectual value I wish a very spontaneous, fast writing. It is the most sincere, no filters and even if shifting thoughts without a bridge causing some lack of coherency now and then it is more powerful as the first reactions are.  So yes a blog! why a blog? i do not do social media. it is lame, tacky and became brainless. i miss books or blogs at least. and i do not like at all media unless i do exposure over it from bitches craving for begging and tribute me for it. These reasons and that I cannot stand screens after 8-10 hours of online being available to sessions. I like to look in eyes of someone I talk to and they looking back at me. Instead of both or all dinner participants looking non stop at phone while we pretend to be together. Meanwhile no one is present as they focused on media and other stuffs over their phone .That is not only lame and un natural  , but also impolite. Themost important ask from people around me is manners first of all. One lack of manners become my refusal to have this creature close to me even silent, simply unacceptable.  In addition, if i must have my eyes after work on something i prefer a good movie or a book. Actual human contact is important to me as little as we have it nowadays with global situation. so NO, unless i will have video call activated which i will seldom have I do NOT exist until i am online the next day I feel the need to have people at my feet :) I am literary out of this world. I do not exist for anyone online. And enjoy it every minute !
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ailuronymy · 4 years
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Book Club: Tallstar’s Revenge, chpt. 28-36 overview.
A definitive diagnosis, courtesy of two famed armchair psychiatrists:
“Basically, this cat needs CBT.” -- S.
“YEP.” -- K.
This week we’re discussing this chapter through these nine questions. Please feel welcome to do the same and @ailuronymy + use the tag #ailuronymy writing challenge. Don’t forget: next time is the last section, but it’s never too late to jump on board if you want to!  Happy reading and I’m looking forward to seeing your feelings about this book.
1. First impressions?
K. Exhausting to read - like, genuinely, it was a slog. Jake is the only light in all of this badness, and even then.  S. Bad! We've hit Bluestar's Prophecy level and I don't see things turning around. Regrettable. 
2. How did you feel reading this section?
S. Hm. I would say one-part anger, to two-parts bored, with a dash of Love Jake. K. I'd say betrayed if I didn't fully expect this kind of pedantic shit from the Erins already. But like... yeah. I somehow didn't think it could get worse, and yet.
3. What chapter did you find most interesting/moving/effective, and why?
S. The one with Jake and Talltail inside the house as Jake tries to explain things to Talltail and convince him that to get what he wants he has to not be a jerk. K.  Chapter Thirty-One was fun just to see Jake/Talltail hijinks in play. Everything else was mind-numbing.
4. What chapter did you find least interesting/effective/most frustrating, and why?
S. Uhhh, all of them but especially the huge chunks of description while he was travelling and running around doing whatever the hell. In every way but physically, I was asleep. K. Yeah, same. The first chapter of this section has everything I hate: swaths of dry, meaningless descriptions, Shadowclan being vaguely mean, and Sandgorse Coming Back To Menace Me Personally. All bad.
5. Is there a passage that stuck in your mind–for good, or not-so-good reasons? What is it, and why did it stand out? Try breaking it down and analysing what this passage does and how.
S. For me, it was a specific line: “I just say yes to everything, he likes that” --  I LOVE Jake. S. It was so cute, and it captured such a nice relationship between Jake and his person. It also reminded me a lot of talking with the old boy, because probably we're just saying, "that's really interesting" to each other back and forth. 
K.  I agree. The line just before that is: “He is like kin,” Jake snapped back. “I’ve known him my whole life. He makes sure I’m warm and fed. And I sit with him and keep him company when he’s alone. We talk to each other.” K. It's just? Sweet?? K.  Like, there's SO MUCH hate on Twolegs in Warriors for some level of understandable reasoning, but it felt so good to see Jake actively defending his owner's role in his life.
S. Yeah, I was like, okay Erin Hunter, so sometimes you get it. And then they turn around and go straight back to self-wedgietown and I'm like, really. S. On that note:  S. I guess for not-good reasons, it has to be the kitty litter scene. S. Erin Hunter wins the gold in the "what the fuck are you doing" event, yet again.
6. The story has taken a major shift in setting and location. Do you like this new space more, or do you miss the clan? Why do you think you feel this way?
K. Bad! I want to be back with the Clans, please! It was terrible there but at least it wasn't whatever the fuck is happening here! K. That said, I did enjoy the house scenes. Just as a treat.
S. I was very curious to see how they were going to explore the outer world, but it was a huge let down. They either drowned it in empty, boring description, or just kind of overlooked it. They didn't go for the nice medium of interesting vignettes the way I (foolishly) had hoped for. S. More for me, I guess.
7. Last week we talked about what lessons we could learn from the text. This week, think about what lesson you would most want to teach Talltail at this junction in his life. What advice does he most need to hear?
K. PLEASE STOP BEING THE WORST K. But for real: hm. I guess like. You need to learn to let go of shit, my man. Sometimes bad things happen and you have to put them aside or else those feelings take over your life.
S. Yeah, I'm thinking along the same lines. I think Talltail really needs to learn how to separate his thoughts from his self, because he's clearly very invested in the narrative he's telling himself. He's had a history of negative self-view (encouraged by his environment) and it's going to be really beneficial for him to practice genuine mindfulness and recognise that a feeling is a feeling, not a command to be followed. A thought isn't you, it's a thought. You're allowed to have both--in fact, can't stop yourself from having both--but you don't have to believe in them or be controlled by them. S. What's motivating him is guilt, which often comes from shame and feelings of powerlessness. He's trying to take control and he feels this narrative he's telling himself is the solution. S.  So my advice would be basically that: you're not your thoughts or your feelings. Those just happen to you. Imagine them like weather, always changing, coming and going. S. And when you practice that enough, you'll become aware of how constructed it all is. You'll realise when you're acting through your emotions without being aware of them. For example, like this whole quest.
K. Oh, also as an add-on: obviously a lot of self-care and putting yourself on the path towards bettering yourself comes from choices only you can make, but listening to your support system and truly hearing what they have to say is also important! K. Talltail has had a lot of people around him trying to vouch for better options he could take to better himself, offering to listen and support him, and he's been too in his emotions or too angry to listen to them.
S. Basically, this cat needs CBT.
K. YEP.
S. I'd also like to offer advice to Jake. S. I want to tell him that he's right to stand up for himself. I want him to know that if someone he likes denigrates him or mocks him or views him as inferior, they are not being a good friend or partner and he deserves to have someone who builds him up, supports him, and respects him. S. That feels important to me, given how fast he seems to have fallen for someone behaving so poorly towards him. S. Like, not to be meta, but that's a Big issue in queer community in the real world.
K. It's true! K. People get so desparate for connection that it's easy to let a lot of red flags go unnoticed for the sake of keeping something going.
S.  Queer folk believing that they're unlovable, so they settle for anyone who gives them attention or insinuates that maybe they're okay. Queer folk feels so desperately, deeply isolated and lonely, that they decide to get with someone inappropriate or even toxic because they're terrified that they'll never find anyone else, that it's their only chance at finding a romantic partner. S. Exactly. I want Jake to know that he's loveable and valuable, and that having high standards and expectations and healthy boundaries for a partner and romantic relationship is good and important for finding the right relationship and achieving the kind of happiness he's looking for.
8. Think back over the book so far (including this section). Out of all the characters, who do you relate to the most? Is this because the character is similar to you in personality, or because their experiences are familiar to you–or a bit of both?
K. In its own way, I think I can find aspects of Tallpaw relatable. Wanting to direct your anger at people over things you can't change or take back is something that's pretty human. K. But on the flipside: I would like to think that I could relate to someone like Dawnstripe, too? In being able to look back on those moments with an adult's perspective and be able to go "Hey, listen, I've got your back, but also: have some advice that you really need to hear."
S. Same hat! S. I was also going to say Dawnstripe. Out of all the characters, I relate most to her--probably because she's a teacher! I also got wildly mad at that stunt Sandgorse pulled with the tunnel, and Shrewpaw in that fight, so I feel like Dawnstripe is definitely a character that speaks to my experience of this book. S. We can make our first Book Club merch: we are all Dawnstripe.
K. YES. I’m okay with this. K. The back of the shirt says "heatherstar please call me back" in tiny font.
S. GOD. Iconic. 
9. We’re on the second last section of this novel. Next week, we read the end! But before we get there, what do you think will happen? If you’ve already read this novel before, use this space to write what you remember feeling at the end last time–did you feel happy, sad, disappointed, angry? Do you think you’ll feel differently this time?
K.  Sandgorse is going to personally come into my home and destroy me on the spot with bad characterization, and that's a threat from Erin Hunter herself.
S. Yeah, you were very right when you predicted that he'd be giving Tallstar one of his lives, I think.
K. Talltail hasn't even had an apprentice yet! We're just gonna fast-track his entire warrior-hood and go straight to leadership once he gets back to Windclan, I think.
S. Yep! Just like they did for Bluestar. S. Everyone knows being a deputy is a boring, worthless job and the only thing that matters is being leader.
K. Sigh.
S. Obviously, Talltail isn't going to kill Sparrow, and Jake and Talltail will have some kind of sad goodbye, and then Talltail will go back to Windclan like, "sorry I left, I had a crisis."
K. Yeah, and they'll all go "Oh hey dude, thanks for showing back up, we weren't too worried"
S.  "We barely noticed you were gone." [zoom in to Talltail's dead eyes as he looks at the camera] S. Also, what's the bet that they're going to manifest some drama over Talltail with Reena and Jake? 
K. Oh, I'd say the chances of that are relatively high. K. It'll happen for like 1.5 chapters. K. And then be ignored.
S. Like, what's the bet they're going to try to shove a heterosexual plot in there and have Reena be all over him and mad that Jake's even there?
K. Yep yep yep. K. And then Talltail will snap out of it to brood more.
S.  Which is going to be wild given that the last time Reena saw Talltail, he was a huge prick. S. But she's a woman, he's a man, can Erin Hunter make it any more obvious?
Final notes:
K. Please. Unleash thy rage. S. From my notes: S.  "Erin Hunter is fucking wild, we don’t NEED the level of realism “taking a dump in front of my soon-to-be boyfriend,” holy fuck, great first date, you fucking crazy people" K. IT'S BAD!!!!!!!! IT'S SO BAD!!!!!!!!!! S. I literally had to stop reading to laugh for a full minute. S. I was like, you've got to be kidding me, you've got to be kidding me. Just a desperate chant. S. But they were not kidding me! S. And what makes it so egregious is that it's in such fucking detail. S. If this was Watership Down, a scene would not be ruined by: "He passed hraka by some ragwort before hopping over to him. "All right," said Pine. "What do you need?"" Like, it's not disruptive and doesn't ping to change the tone or like, emotional calibre of the story. S. Jake giving Talltail step-by-step instructions on how to relieve himself while watching was absolutely way off.
K. I am taking a fucking screenshot because look at this. Look at how horrendous this looks. This is the visual, writing equivalent of staring at a desert wasteland full of nothing. K. [screenshot of several pages of description] K. Pictured above: NOTHING IS FUCKING HAPPENING S. I KNOW S. It was just barren expanses of running around that did nothing, achieved nothing, moved the story forward no amount. K. It is just. So monotonous. It's dry, and boring, and it feels so lifeless. K. It's the equivalent of fucking... fourth grade bullshit. "Talltail walked to the log. He jumped on it and used it to cross the river. He leaped off and continued on through the grass. Then he saw a moth." S. But yeah, it was unbearable. My eyes glazed over and I skimmed just about all of it. S. Other notes: S.  “I’m just skimming all this description, I don’t care, I’ve got teacher-brain on and all I’m thinking is, this could have been summary [...] and there’s so much description again, it’s just not interesting! I don’t know why people think “action” is interesting. It’s barely interesting for more than two minutes in an action FILM, why do you think a book is going to be somehow more successful at being an impressive spectacle than a film, my god, learn your goddamn medium”
K. SANDGORSE STAY DEAD 2K20 S. Note: "I fucking hate this bullshit ghost of Sandgorse thing. I can’t believe they killed off the character I loathed just to bring him back for reasons of cryptic bullshit" K. The fact that his ghost keeps fucking showing up is killing ME K. ESPECIALLY because he's gonna come back like "Son...... this is not the way...... Im proud of you.........." K. And Talltail will go "oh shit oh fuck you're right" S. "Daddy loved me all along. It's my fault for not realising that.” S. Literally all I can think about when Sandgorse shows up in these chapters is that bit in Twilight where Edward Cullen's force ghost or whatever is like, lie.
S. Because of how Talltail's behaving, I actually really do not vibe Jake and Talltail's relationship at all. K. Oh?? Go off, my good bitch. S. It pings badly for me that Jake meets this guy, who's an arsehole, and then he helps this guy, who's still being a racist dick. Then he gets feelings about this guy in a really short period of time, despite minimal changes in his behaviour towards him. K. Oh boy, yeah, that's all true. S. Not to be like Twilight again about it but like: this is not a great start to a relationship. This is actually a red flag. Someone who doesn't respect you and is just a prick and is using you as a means to an end, is not someone you should be attracted to. The fact that Jake is says something about how he's doing emotionally, and it really conflicts for me that someone with such a certain sense of self and value would find Talltail even remotely attractive. I don't believe it.
K. Jake’s superpower is just Being Kind & Having Reasonable Thoughts. “Aren’t you tired of going ape shit, Talltail? Don’t you just wanna be nice?” S. God, you're so right. S. I am super looking forward to writing Jake and Talltail's Hot Girl Summer, though. K. Which like, if Talltail had better things to be frustrated about, I would love Jake to fill his role of like... the complimentary half to Talltail, in that regard. K. Talltail is just SO in his head about EVERYTHING and Jake is just living in the moment! S. He’s vibing! K.  Lmao also from the notes: Jake shifted his paws. “I know I’m a kittypet. I’m happy with that.” He began to head down the slope that led into the valley. “It doesn’t mean I can’t walk a different path for a while.” — Talltail, recently shoved back into the closet, randomly befriending a comfortably out bisexual otter… who’d have thought S. Canon Talltail is a hot mess and that's Erin's fault, but these two are good. K. more highlights: The hunting scene… sharing together… “Only if it’s offered.” “I’m offering.” How the fuck did the Erins stumble into speaking in tongues and the translation coming out as Gay Rights S. "It's rotten work." "Not if I'M OFFERING." K. Talltail’s mew trailed away. He didn’t want Jake to go. He searched the kittypet’s green gaze. “You don’t have to come.” “I want to!” Jake shifted his paws, adding quietly, “If you don’t mind, that is.” Talltail glanced at the ground, feeling hot. “I don’t mind,” he murmured. “It’s good to have company.” — LIKE THEY REALLY ARE JUST LIKE THIS K. Oh man I have some other good notes: I can’t believe that Talltail is SO edgy and in his feelings that he can’t even stomach simulated affection to this random human. “Pretend it’s a tree” DUDE just let yourself GO, release your inhibitions  K. God can you just imagine K. Talltail finding Jake who gets him to calm down by getting so fucking cat high S.  Just like, "here dude fucking chew this plant and maybe you’ll calm down." K.  Talltail: I want revenge :'( Jake: bro. shut up and eat this leaf
  K.  “Please can I go outside?” he mewed in his most plaintive voice.” — Talltail just sounds like a sad little Victorian orphan. I can’t believe all the Miette goofs are canon and real. You kick Talltail like the football? Oh! Oh! Jail for Starclan! Jail for Starclan for one-thousand years! S. I know. I was losing it that we basically predicted the whole scene with Jake and his person. S. "I taught him how to say food but he's very bad at it." S. That was probably the most enjoyable moment in the entire section for me. S.  Makes you really wonder why the fuck pet cats have human-given names, though. K. FUCK IT DIDN'T EVEN HIT ME THAT UHHH K. THAT'S WACK HUH ISNT IT S. It's so wack.
K. I want us to just break something down for a hot moment S. I love to break it down with you. K. Talltail's plan is... bad S. Oh, it's dumb as hell. K. Like I'm imagining all of this from Sparrow's perspective K. Like it's one of those podcast horror stories S. I have that note too: this dude has no idea. K. "So one summer I accidentally got into a bad accident, and the guy I was with didn't make it out. His kid is really broken up about it and is pretty pissed at me, and straight up ignores me or glares at me the rest of the summer. Fast forward a few months and suddenly he shows up again out of the blue, and now says he wants to stay with me and my family. Says he's changed and that he wants to spend more time with us. THEN HE PLANS MY MURDER" S. It's really funny to imagine Talltail staring into the distance like, "my nemesis, you killed my father, prepare to die." And then smash cut to a completely oblivious Sparrow like, taking a nap. Having a snack with his friends. Smelling a flower.
S. Note:  "I’m so unbelievably bored of Talltail having the same three stupid thoughts over and over and over" S. “The heartless rogue was going to pay for destroying his life” GOD SKIP S. “Twolegs are rabbit-brains.” get some new material for fuck’s sake S. His internal monologue is now entirely on par with Bluefur's I feel like? K. it is!!!! it is!!!!!! K. It's the same quality! It's just so disappointing that a book that started off like. K. SOMEHOW better than BP. K. Just swiftly dunked us back in the can. S. They just beat you to death over and over with the same inane conversations, the same unconvincing internal monologue. You could have a better book by literally just cutting this one in half. Just edit out all the repetitive bullshit. S. But they need to reach word count, so they don't. They shove more in, because there has to be 45 chapters, because it's a super edition. K. It's disgusting. I know y'all have a business to run but also If It Weren't For The Laws Of This Land, S. It really reframes for me all the people who were like, "it's the best super edition!" doesn’t it? K. YEAH S. Like, yikes.  K. Like it's better than a lot of super editions and by a lot I mean Surprise, They're All The Same Fucking Book, K. How do you write the same book like forty times and never get it right, like, once.
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blissedoutphil · 6 years
Text
To Live In Clover Part 6
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Dan needs to escape his hell life. Anthony has a rather extraordinary offer. But what does it entail for Dan?
aka an AU where Anthony is a sugar daddy to both Dan and Phil.
oh god it’s been a month since I updated this I’m sorry. I hope this chapter is worth the wait! and thank you anons for your prompts! they fit the idea I had for this chapter perfectly :)
4713 words of Dom!Anthony, sub!phil & sub!dan, sexting, punishment, nipple play, cbt, predicament bondage
~Part 5~
~Part 7~
or read on ao3!
“Anthony said he might be home late again,” Dan announced sadly as he read the text from his dom. Anthony had been working overtime almost everyday for weeks, and their sex life has plummeted as a result.
“Seriously?! Tell him to stop being a workaholic. There’s more important things to do, like us,” Phil answered from the kitchen.
“Done,” Dan grinned and went to help out with dinner.
A few minutes later, their phones dinged.
“Too bad, Phil,” Dan read the text aloud.
Phil huffed. “Time to take matters in our own hands.”
“How?”
Phil looked thoughtful for a moment. “Take off your pants.”
Dan looked incredulous for a moment before he squinted his eyes in suspicion at Phil. “What are you planning?” he asked.
“You want Daddy to come home quicker and play with us or not?”
“Why don’t you take your pants off?”
“It’ll be more fun if you do it, trust me.”
Dan huffed out, but he found himself getting up to remove the only piece of clothing he had on anyway. Phil grinned at him and got out his phone.
“Alright, do a nice lil pose for Daddy,” Phil said cheekily, opening the camera.
“Phil...I don’t wanna get in trouble,” Dan said, unsure about Phil’s idea.
Now it was Phil’s turn to huff. “We haven’t come in like, 3 weeks. Don’t you want to do something about it?”
“First of all, stop exaggerating. It’s only been 2 weeks tops. Second...yeah of course I wanna but not if we have to be bad. We shouldn’t disobey our Dom.”
“Stop being such a goody two shoes, where’s the fun in that! What’s a lil spanking anyway? Just think about the amazing sex we’re gonna have after that! That we’ve been missing out on for weeeeks,” Phil tried his best to convince Dan, getting up and closing the space between them.
Dan mulled over Phil’s words, wondering if a punishment really is worth the sex. He supposed he could handle it, he might even enjoy the punishment since he’s been neglected this long and he was so used to having sex almost daily before the past couple of weeks. But it was the fear of disappointing his Master that was giving him doubts.
Phil sensed that Dan needed more encouragement, so he leaned forward, catching Dan’s lips between his. He pulled on Dan’s bottom lip with his teeth, hearing a small moan escape Dan. He cupped Dan’s ass, smiling into the kiss when Dan leaned into him instead of trying to pull away from the embrace.
Dan broke the kiss and groaned when he realised he’s now half hard. They weren’t allowed to help each other out, so he’d have to either take a cold shower or go through with Phil’s plan now.
“Fine,” he muttered and plopped onto the sofa, wondering what pose he should do.
Phil smirked, satisfied that his plan was going to work out. Without warning Dan, who was still trying to make himself comfortable on the sofa, he snapped a picture of his sub brother. Phil hummed approvingly of his own photography skills and sent the picture to Anthony.
“Hey! You could’ve told me you were gonna take it, did I even look good?” Dan squealed.
“Don’t worry darling, you look absolutely dashing,” Phil said dramatically and waved the phone in front of Dan to show him the picture.
Dan blushed, and noticed that his boner was on full display in the picture. He hoped Anthony wouldn’t get too angry that they were being naughty. The phone dinged and he scrambled to read the message.
“Behave, you two. Don’t be naughty and influence your brother, Phil,” Phil read the text, grinning.
Phil reached out and caressed Dan’s thigh. He took a photo, capturing his hand dangerously close to Dan’s hard cock as well as Dan’s flushed face.
Phil: but dan looks like he rly needs help, Sir!
Sir: im warning u phil, u better not misbehave. and dan just be patient, i’ll be home soon enough
Phil smiled wickedly. “Time for the finale, baby,” he announced.
Dan had no time to ask what the finale entailed because Phil’s lips were suddenly on his neck, and he moaned brokenly when Phil began sucking on his sensitive skin there. His cock twitched, but he refrained from touching himself.
“Phil, you’re making this difficult for me,” Dan whined breathlessly, “how’m i gonna control myself?”
Dan knew he should stop Phil, he knew they’ll definitely be in lots of trouble if he came. But instead, he gripped the back of Phil’s head and kept Phil in place.
Phil hummed, happy that Dan was encouraging him through his actions. After he sucked another hickey, Dan tugged Phil up and pressed an urgent kiss to his lips.
“Phil,” Dan moaned when Phil broke the kiss, and he dropped his head to Phil’s shoulder. He tried his best not to buck his hips up against Phil’s thigh, but the way Phil kneaded his ass made him hornier and more desperate.
“Your soon isn’t quick enough, Daddy,” Phil whined, voice small and childlike.
Dan lifted his head to see that Phil was recording a video, angling the phone camera to show how Dan was desperately clinging onto him, how hard and needy Dan was.
“Daddy please,” Dan begged breathlessly.
Phil stopped recording and sent the video to Anthony, smirking triumphantly. Then he turned his attention back to Dan, who was nipping at his shoulder.
“Anthony will definitely come home on time today,” Phil smiled, “now do you need help? I mean, we’re already in trouble anyway so...no difference if you come or not now right?”
Dan still wanted to be as good as he could; just because he did a small naughty thing doesn’t mean he should go all out. And honestly, he’s rather appalled at how bad his self-control had gotten. He decided to blame it on the fact that he hadn’t come in like 2 weeks.
Dan wanted to say it’s okay, really, he could just stop his boner. But Phil had begun stroking him slowly, fingers gently moving along his length, and goddamnit they’re going to be in big trouble.
The boys were so busy jerking each other off that they didn’t notice their Dom replying to their little video. They didn’t think to check their phones chucked away carelessly. They barely heard the front door slam shut, only hearing each other’s ragged breaths as they grinded against each other on the bed.
Dan had already come, and his hand was tugging Phil’s shaft expertly, knowing from Phil’s whimpering that he was close. He broke their kiss to gulp in some air, opening his eyes to look into those beautiful blue irises. But the corner of his eyes caught something odd by the door, and he glanced in that direction to see what it was.
All breath left Dan’s chest when he saw his Dom leaning against the doorframe, anger written all over his face. Like a reflex, Dan’s body moved before he could even think. He bumbled off of Phil’s body, leaving Phil confused.
“Dan wha-” Phil began, but when he saw Dan’s expression, he knew what happened. He didn’t even need to look where Dan was looking. Internally, he groaned. At least Dan had gotten off already, his own orgasm was building rapidly but now he definitely won’t get the sweet release.
But externally, he put on an innocent expression. He was prepared for whatever punishment Anthony would give, maybe even looking forward to it.
“Daddy, you’re finally home,” Phil said, voice sweet as he slowly turned to Anthony with doe eyes.
Anthony’s jaw was clenched, lips pursed in a tight line. He held Phil’s gaze with a fiery stare.
“Where did my good boys go?” Anthony’s voice was steady, but Phil could hear the hidden anger.
“We’re right here, Daddy,” Phil replied, voice small, pretending to be confused. Behind him, Dan was peeking at Anthony with big, scared eyes.
Anthony’s frown deepened as he made his way to the edge of the bed and towered above his subs.
“Dan,” Anthony’s voice boomed, and Dan cowered a little, “did you come? Without my permission?”
Dan’s mouth opened but he couldn’t find his voice to answer. The last thing he wanted was to disappoint his Dom, but there was no way to deny what he’d done. To make matters worse, his mind started playing unwelcome flashbacks of angry men in his past.
Dan squirmed a little under Anthony’s stare. He knew Anthony won’t hurt him, not like all those monsters in his past did. He honestly deserved a punishment from his Master, he wouldn’t put the blame on Phil for making him come. And he knew that lying would only make things worse. So, he swallowed down his irrational fears.
“Y-yes, Sir,” he whispered brokenly.
With that, Anthony turned his attention to Phil. “What a bad influence you are,” Anthony scolded, “you’re in for a tough night, boy.”
Phil didn’t seem bothered, but Dan didn’t want to throw his sub brother under the bus like that.
“It’s not Phil’s fault, Sir. I should’ve known better, I could’ve controlled myself but I didn’t. I’m sorry,” Dan’s voice was steady as he defended Phil and shared the blame.
Anthony crossed his arms and looked contemplative, while Phil turned around to give Dan a what are you doing? look.
“Alright then,” Anthony began after a few moments of silence, “I was about to let you off, Dan, because I know this was all Phil’s idea. But maybe you deserve to be punished too.”
“I do, Sir,” Dan answered, despite Phil shaking his head at him.
The two boys watched their Master walk over to the chest of toys with bated breath.
“Kneel up, face each other,” Anthony instructed when he returned and the boys scrambled to do as they were told.
Anthony had lots of rope with him. He first made the boys grip their elbows behind their backs and tied their forearms securely. He then waved a couple of nipple clamps in front of them, not even trying to hide his smirk when he saw the nervous looks on both subs.
The clamps were connected by a short 6 inch chain. Anthony tweaked and rubbed the boys’ nipples, getting them hard and stimulated. When they started moaning softly, he stopped and connected Dan’s right nipple to Phil’s left with the clamps, then did the same for their other side.
Dan hissed at the pain of the clamps pinching his nipples hard, and he had to shift forward closer to Phil to keep the chains slack. Anthony flicked one of the clamps on Phil, making Phil groan. He then stepped back to observe his boys. They were kneeling so close to each other to make sure the chains won’t go taut. That won’t do. He wanted to make sure the chains were as taut as they could get, have the clamps pull on their nipples as hard as possible without falling off. 
Anthony lubed his finger and slid it past Dan’s rim without much warning. Dan moaned slightly at the intrusion. Anthony didn’t bother to add another finger to stretch him properly, it was a punishment after all.
After hooking his finger and thrusting for a bit, Anthony removed his finger. He spread Dan’s ass cheeks with one hand, and with the other he slowly pushed an anal hook into Dan’s tight ass.
Dan jerked slightly when he felt the cool metal intrude him. When the hook was secure inside him, Anthony made a knot with rope on the end of the hook and tied the other end of the rope to the hoop at the top of the bed(**) right above the headboard. The rope was far too short to have even a little slack, and Dan found himself in a rather awkward position where his chest was still close to Phil to keep the chains loose, while his ass stuck out to reduce the tension on the rope connecting to the anal hook as much as he could.
Phil bit back a moan when Anthony started fingering him; he wasn’t supposed to be enjoying his punishment. Anthony had left him in predicament bondage before, but now with another person, he felt like it’s on a whole other level. He hoped they could take the strain that he was sure they’d soon feel.
And soon enough, Phil found himself in the same position as Dan, chest leaned forward and ass stuck out. If he moved forward to reduce the tension on the chain, the hook would dig deeper into his ass, but if he moved backward to relax the rope, the clamps would tug painfully on his nipples. It’s even worse than being in predicament bondage alone since his every move would affect Dan, and if Dan moves, he’ll be in pain too. If either of them wanted to relax, it’ll be at the other’s expense.
He looked at Dan, seeing the younger boy’s face scrunch up in concentration to stay still. They both have leaned forward as much as they could without getting themselves hooked deeper or losing balance, but the chains on their nipples and the ropes from their hooks have gone fully taut.
Anthony stepped back to admire his work. Phil shuffled a little and groaned when the hook in his ass grazed his prostate.
“Should I tie your balls to the bedposts too for good measure?” Anthony asked, and he chuckled when the boys frantically shook their heads.
He walked over and started stroking both his boys’ dicks. Phil moaned gratefully, he was still hard. Dan jerked a little, cursing in his mind as the clamps tugged on his nipples. In turn, it tugged on Phil’s as well, making him groan. He stroked them both to full hardness, until they were panting and breathing heavily.
“Almost forgot,” Anthony said, a smirk playing on his lips. He got out two ball weights from his pocket.
He hooked one weight onto each chain, delighted by the boys’ whimpers. “Don’t drop them,” he warned.
The weights swayed about, moving the chain and causing the clamps to tug the boys’ nipples down. Anthony tapped on the ropes tied to both their anal hooks. Like a butterfly effect, they both jerked backwards and caused the chains to go fully taut, tugging on their nipples painfully. They groaned and whimpered pitifully.
“Such naughty, horny boys...getting so hard even though it’s a punishment,” Anthony tutted. He smacked Phil’s cock at the last word and Phil jerked in surprise, in turn pulling on Dan’s nipples again.
“Well...good thing you have each other huh? You don’t need me. Guess I’ll leave you two to help each other get off again,” Anthony shrugged and left the room.
The moment Phil was sure Anthony was out of earshot, he whispered, “What was that for?”
“What was what for?”
“You could’ve gone without a punishment but you had to open your mouth and be such a good boy.”
“I couldn’t just let you take all the blame, I was in the wrong too. It’s not all your fault,” Dan said, trying to be as still as possible so the weights on the chains wouldn’t move.
“How long do you think he’ll leave us here?” Dan asked when Phil didn’t continue the conversation.
“Dunno...it always depended on how bad I’ve been and how pissed I made him,” Phil mumbled.
Dan whimpered, noticing that even breathing, a movement so small on his chest, can cause the chains to go rigid and the clamps to bite down harder on his nubs.
Phil moved forward, letting the chains go a little lax. The hook sunk deeper in his ass, but he was suddenly consumed by guilt for getting Dan into this mess, so the least he could do was help Dan suffer less.
Dan looked up at Phil questioningly, but he didn’t object. He gave a small smile as a form of thanks, and they stayed in silence that way for a bit.
“My turn,” Dan spoke up after a few minutes and leaned forward, biting back a groan as the hook forced his ass to stay in position.
“No, I’ll take it,” Phil replied, refusing to relax.
“It’s okay Phil, you should relax now and let me,” Dan insisted.
Phil let out a little wrecked noise, hanging his head in defeat. “Why are you so nice,” he mumbled, almost inaudible.
Dan was honestly a little worried by Phil’s sudden distress.
“I don’t want you to strain yourself so much, I can take it too,” Dan reassured him.
Phil looked up and Dan was surprised to see a tear rolling down Phil’s cheek.
“How are you not mad at me? First you’re sharing my punishment, and now you want to help me,” Phil sounded sad and confused, and if Dan wasn’t immobilised he’d hug Phil in a heartbeat.
“If I were you I’d be so pissed at me right now,” Phil admitted softly, “Would’ve pushed all the blame, would’ve taken the first chance at escaping punishment. I’d hate me.”
“Well,” Dan began, “I want to be here for you. I don’t want you to feel like you have to deal with the consequences alone since we both broke the rules. And I don’t hate you, I deserve this as much as you do.”
“But it was my idea...I’m sorry I dragged you into this, I shouldn’t have done that in the first place,” Phil bit his lip guiltily.
“Sure this isn’t the spanking you said it’d be,” Dan chuckled a little, “but you’re forgiven, okay? Don’t worry, I’m not mad at all. I just really wanna make it up to Anthony now. I can’t stand being the reason he’s upset.”
“You’re a much better sub than me; I’m always a brat to him. Anthony deserves you and not me,” more tears were slipping down Phil’s face and Dan’s heart wrenched hearing Phil.
When Dan first moved in, he’d feared that Phil wouldn’t like him because he now had to share his boyfriend. But over the months, he’d seen how Phil cared for him as much as he cared for Anthony. He’d learned how Phil was such a confident boy, fully enjoying the idea of having two boyfriends. Unlike Dan himself, who sometimes had irrational thoughts on how they might dislike him for randomly invading their life.
He looked up to Phil, despite Phil’s playfulness that sometimes got him into trouble with their Dom. He wouldn’t call it being bratty, plus Phil’s right when he says there’d be no fun at all in being perfectly obedient all the time without any playfulness in a relationship like theirs.
So he never once thought that Phil could be insecure. That Phil would even think Dan was better than him, or that Anthony would prefer Dan over him.
“No don’t say that, Phil. You’re a brilliant sub for Anthony! I lack in what you’re good at. You’re an amazing cook, you bother to do the chores. I’m too lazy for all that. Anthony needs you. And I bet he’d be bored with a goody two shoes like me. He needs a cheeky sub like you,” Dan said, happy when Phil smiled softly at his last statement.
“And he doesn’t only need us, he wants us. Okay? Us. He doesn’t favour me over you, he doesn’t deserve me more than you. So quit crying, you spoon, and help me remind him how much he loves us, show him what he’s been missing out on,” Dan continued and Phil blinked his stray tears away as he laughed hearing what Dan called him.
Phil finally leaned back and whispered a quiet thank you, only then realising how his ass was in pain from the strain.
Dan was so busy helping to reassure Phil that he forgot about the pain. His hook had sunk in deeper, and now that his mini speech was over, he was suddenly all too aware of the uncomfortable sensation in his ass. Not to mention how sensitive his nipples were caught in the clamps. But he didn’t move. Phil had let him relax, and now he was going to return the favour.
So there they remained for the next half hour, taking turns to feel the strain while the other rests. Both of them had sweat sheening their bodies. Despite the mini breakdown, Phil’s cock was leaking precum. He was always a painslut.
Dan was only half hard, getting tired from keeping his muscles tense as he stayed still in position. If not for the hook occasionally brushing his prostate, he was sure he’d be soft. He tried to shift his focus away from the sharp pain on his nipples and in his ass, but it only made him aware of the dull ache in his knees, the pins and needles in his arms. But he didn’t regret asking for the punishment. Besides needing to be there for Phil, he also needed the punishment for himself. He needed to feel forgiven by Anthony.
A little over a half hour later, Anthony appeared by the door again. Neither of the boys dared to look at their Dom as he slowly walked up to them. Dan’s chest heaved a little as his heart began beating rapidly, causing the weights to sway. Anthony merely stood by the bed silently, observing his boys as they grew anxious under his gaze.
“Dan,” Anthony suddenly spoke up, making the boys jump a little, “your sub brother got you off, isn’t it a little rude not to return the favour?”
Dan bit his lip, unsure of how to answer, and Anthony smacked Phil’s hard cock. Phil jerked back and Dan sunk his teeth into his lip even more to stop himself from groaning as the clamps tugged harshly on his sore nipples.
“S-sorry, Sir,” Phil stuttered, knowing full well that Anthony doesn’t like his subs being hard when he punishes them; punishments aren’t meant to be enjoyed.
Dan watched with wide eyes as Anthony continued hitting Phil’s reddened cock. Phil tried his best to stay still, he didn’t want to jerk against the chains and cause Dan any more pain. Phil’s groans were soft, and as precum leaked from his cock, Dan knew that Phil couldn’t get soft even if he tried. He only gets hornier the more torture his cock receives. Anthony obviously knew this, and he probably wanted to make it difficult for Phil.
“Because you were naughty, I had to leave work early,” Anthony stated, removing the weights on the chains. The clamps immediately felt lighter on the boys’ nipples, and Dan gave a small sigh of relief.
“And because of that, I’ll have to stay in the office even longer for the next few days,” he continued angrily. He yanked the clamp off one of Phil’s nipples, causing Phil to yell out in pain as blood rushed to his sore nub. Anthony pressed and rubbed the aching nipple, making Phil groan loudly.
Dan whimpered as the clamp tugged his nipple down with the chain swinging around. His own nipples had gone numb and he feared the moment Anthony would take his clamps off. Phil’s reactions certainly weren’t helping.
“But of course,” Anthony paused to let Phil thrash around as he freed his other nipple, “I can’t let this happen again when I’m in the office.”
Phil looked down to see his erect nipples red and sore, and his abused cock an equal shade. He panted, hoping that at least the worst was over. He shuffled back to reduce the tension in the rope connected to his hook.
“I don’t know if I can trust that you boys won’t disobey me when you’re alone again,” Anthony said disappointedly, and it broke Dan’s heart.
“We’re really sorry, Sir, we promise not to do it again. You can trust us,” Dan spoke urgently, making sure to include Phil in the apology.
Anthony looked Dan in the eyes, and Dan confidently held the gaze until his clamp was roughly tugged off. He squeezed his eyes shut in pain, unable to hold back the scream that ripped from his lungs. The pain grew as Anthony rubbed the blood flow back into the abused nub.
“You’ll have to earn my trust back,” Anthony stated, face emotionless as he waited for Dan to calm down.
Dan tried to calm his breathing, but it was hard when he knew the pain was going to be repeated when Anthony inevitably removes the other clamp. Despite anticipating it, he still couldn’t help but scream again when his other nipple was finally free. He blinked back tears and groaned when Anthony pressed on his erect nubs.
Dan looked up when he heard Phil sniffling. He followed Phil’s line of sight to Anthony’s hands holding out a couple of cock cages.
“P-please Sir, punish me but not Dan. He tried talking me out of being naughty but I dragged him into it. I’m so sorry and I deserve to be punished more, but Dan doesn’t,” Phil sobbed.
Anthony softly carded his hand through Phil’s sweaty hair to calm him down, but Phil continued.
“I’m sorry I’m such a bad sub you don’t deserve, you deserve a good one like Dan.”
“Phil,” Dan said in a mix of surprise and disbelief, saddened that Phil still harboured those thoughts despite his efforts to reassure him earlier.
“Phil,” Anthony echoed, “you’re a very good sub for me, okay? Everybody makes mistakes and I don’t expect you to be perfect. And you know that every action will have consequences, you need to take responsibility for your misbehaviour. Even though it was your idea, Dan still misbehaved too. I discipline you boys when you need it. I still love you both equally, I won��t prefer one of you to the other. And I’m proud of you for taking your punishment well so far.”
Anthony had moved to hug Phil while speaking, and Phil rested his head on Anthony’s shoulder, wetting it with his tears. When Phil had calmed down a little, Anthony pulled back. He moved behind Phil and slowly pulled the hook out of Phil’s ass, making Phil moan quietly.
Anthony did the same for Dan, and Dan moaned gratefully. When he was done, he moved back in between his subs and silently held out the cock cages again.
“I want to earn your trust back, Sir, please cage me,” Phil said earnestly. His boner had reduced during his breakdown, making it a little easier for Anthony to slip the cage on.
Phil smiled gratefully once his cage was on, he knew that he needed Anthony’s disciplining. He understood why Dan insisted to be punished, because just like Dan, he also needed it to get rid of the guilt of misbehaving and disobeying his Dom and feel forgiven.
“Until I don’t have to work overtime anymore, so 3 or 4 days, we’ll see,” Anthony told Phil who nodded firmly. He’d gladly wear it for as long as Anthony deemed fit.
Then, Anthony turned to Dan and locked his cage on as well. “Two days. Just to learn to improve your self-control.”
“Thank you, Sir,” Dan replied, genuinely thankful for Anthony’s discipline.
Finally, Anthony untied his boys’ arms. He hugged them, and the boys snuggled into his warm embrace. He kissed the top of Phil’s head.
“I love you both, no matter how naughty you may be,” he chuckled as he held his boys tight.
“We love you too,” Dan answered softly, and Phil nodded.
“And we’re very sorry,” Phil added.
“I know you are, I’m glad you took your punishment well,” Anthony said as he booped Phil’s nose and ruffled Dan’s hair.
They’d have to wait even longer to finally have sex now, but Dan and Phil didn’t mind. Because the rest of the night was spent receiving the attention and care from Anthony that they’ve also been missing.
After a nice warm bath - Dan’s still impressed by how it could fit all of them in - they had dinner then a good cuddle in bed, where Dan giggled at Phil and Anthony joking around. Like everything was back to normal.
fun fact I originally wanted their balls tied to the bedposts but then anon suggested anal hooks and that’s way better so thank u anon xo
~Part 5~
~Part 7~
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langlangland-blog · 7 years
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Studying & Depression Tips
January 6th 2018 6/100 days of productivity
*Warning -  Personal experiences with mental health issues are spoken about throughout this post, please do not read if you feel that you aren’t in a mindset which can deal with such matters at the moment.
I have missed a few days of 100 days of productivity and that is because I, as well as many other students, deal with mental illness and depression in  my everyday life. That means that some days I have no motivation and nothing seems important, grades & working being the last thing on my mind.
I hope that me writing this post will show another side to the studyblr community and also make my blog, a platform to help people who share the same struggles as I do.
I realise that talking about such a sensitive and personal subject, on such a public platform, can be harmful, and for that I will try to discuss matters that are relevant to me in a brief and summarised manner (I am a natural over-sharer!) I also ask that if I make any mistakes, especially whilst discussing mental health, that I be corrected and forgiven in a respectful way - as I mean to cause no harm or offence. I am just trying to do my best in helping other students out there who feel the way I have felt.
Brief Current Experience With Studying & Mental Illness
Over the last few months (and still very currently) my ability to maintain a high level of academia & work ethic whilst dealing with my mental health has become a struggle more than ever before. My motivation has been very little and it hasn’t seemed to show any signs of improvement as I was hoping it would. This has left me in a rut, feeling as though I have wasted so much time procrastinating already that I can no longer change my fate (in my case my exam results) and this leads me on to my first step of being able to cope with these types of thoughts.
STEP 1 - FORGIVING YOUR PAST SELF & LETTING GO
Well folks, it says it in the title. I know that all those nights, days, months you have spent feeling like you’ve already failed can seem so overwhelming, to the point that you truly believe that there is nothing left to be done to save that grade or improve that score. I am here to tell you that, that, that right there, what you are doing, that is the only thing holding you back. Not the fact that for the last 3 months you have half-a*sed every essay, test, mock exam and assignment. The only thing NOW that is holding you back from getting the grade you want is your mindset, and specifically, the idea that you have already failed, because you haven’t. You can do anything. Start anything at any point and change your fate. You just have to forgive that person in the past who couldn’t do it, who couldn’t work as hard as they could of, who didn’t try hard enough, who simply didn’t want to try, that person isn’t who you are now, or who you can be tomorrow. You have to understand that with each day comes a new start, and that doing a tiny bit of work is an accomplishment. Let go of the past and focus on what you can start tomorrow, even if it isn’t all of what you wanted to do. Something really is better than nothing.
STEP 2 - BREAKING DOWN TASKS INTO SMALL CHUNKS
Again, pretty self-explanatory. See that unit of Spanish vocabulary that you were supposed to have learned 2 weeks ago that you haven’t started yet? Learn the first 10 words. Just the first 10. Then another 10 tomorrow. As that, is how you conquer the gigantic overwhelming heap of work that seems impossible for you to be able to complete. You can and will complete it, just with tiny steps. This tip really is a game changer believe me, as it can also trick you into completing more work than you initially intended to. Starting really is the key, though. I believe in you!
STEP 3 - ACKNOWLEDGING THE TINY VICTORIES
This tip follows on from the previous one. Along with breaking down big tasks, you must acknowledge the smaller pieces of work that you do manage to complete. However, rewarding yourself for smaller pieces of work means that the rewards for these achievements have to be smaller too, as, otherwise, you will become used to big rewards for small achievements which will do you more harm than good in trying to change your ability to work harder. That said, do not ignore those 10 Spanish words that you have learned today or that half set of flashcards you made, as those do count, and they prove that even if the feeling is minuscule at the moment, that there is a part of you that does care, and who wants to succeed. Try and treat that version of yourself with kindness and do not discourage them for not being able to work as much as you would like them to.
STEP 4 - ACCEPTING BAD BRAIN DAYS CAN BE EVERYDAY 
Sometimes you have to accept that maybe you won’t feel better tomorrow, or the next day, but that you can keep going anyway. Sometimes when you least expect it, boom! It’s back, motivation, self love, will to work, all of the positive thoughts. - And sometimes those things seem to leave your mindset for a while. Don’t give up here. I know, oh boy do I knowww that this is by far the hardest thing to do. Nevertheless, you must keep going, maybe not to the level that you are used to or to the level that you want to be working at, but at a level nonetheless, anything you do during this time is more than enough of an effort. 
STEP 5 - SEARCHING FOR NEW REASONS TO WORK
Maybe it’s for university, or a job, or maybe because you just want to expand your knowledge on a topic or to push yourself. Find a reason for your work. Find something that makes you think YES! This, THIS RIGHT HERE, is why I am doing what I need to be doing. A greater motivation and reason is very helpful especially during those times where things aren’t as easy as they once were. 
DEALING WITH DEPRESSION & RESOURCES 
Depression can be a very dark, dull and hopeless place to be. I know this. However, what you must remember is that depression isn’t easy. It isn’t always possible to study, work or achieve the things you want to achieve daily because your brain just simply cannot do that for you. That is okay. You are okay. I know this because you are reading this now. You want to succeed somewhere within you, because if you didn’t you wouldn’t be reading a post about how to try and do so. You wouldn’t be trying to help yourself find a way, but look, you are, because you will, eventually, even if right this moment it seems like you have already lost. You are everything you want to be. You can do anything you want to do. I promise that to you. Finally, to end this post, I am listing some resources where you can reach out for help if you feel you need support. I believe in you! - And I am always here for you, too.
WEBSITES:
Mind
ADAA
Mindfulness
Samaritans 
SANE
Pursuit of Happiness
Mental Health America 
List of International Suicide Hotlines 
HeadSpace
BeyondBlue - Australia
ReThink
Turn2Me
 APPS:
Depression CBT Self-Help Guide
Positive Thinking
Operation Reach Out
MoodKit
Fight Depression Naturally
Diary - Mood Tracker
TalkLife
Lantern
Depression Anxiety Stress Test
What’s Up?
MoodMission
Pacifica
Moodpath 
Calm 
HeadSpace
YOUTUBE:
Kati Morton  - Very Helpful!
TEDx TALK
TEDx TALK 2
TEDx TALK 3
As a fellow student, I am sending all my love, Gabriella.
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rawcbwzx-blog · 5 years
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How does car insurance work?
How does car insurance work?
I work at *** insurace services and im a secretary. i do nothing but answer calls. i want to know how this place works. i know they insure taxis,. limos, trucks. and personal cars. but how do my managers get paid. HOW DOES THIS PLACE WORK. so i dont have to feel lost all the time at work. i still dont know why they hired me.. weird
BEST ANSWER: Try this site where you can compare free quotes :INSUREQUOTE.US
SOURCES:
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akxyaptn-blog · 5 years
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Can you buy a car without a drivers license?
Can you buy a car without a drivers license?
My mother is looking to buy a new 2014 car from a dealership and she doesn t have her drivers license. I would be the primary driver of the car for me and my family since I m the only one with a driver license. Can we still get the car?
BEST ANSWER: Try this site where you can compare free quotes :HELP-INSURE.NET
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Hey im 18 and out the car quotes but they are all have no accidents on Life Insurance Companies for long. I don t accident whilst without an buy car insurance, will driver (she has 5 i dont know how how much will it terminology mean periodic payment? cheap car insurance companies how much the insurance insurance ,within a one for a 16 year does health insurance cost duct cleaning peoples homes of people who drive ticket, does it make drive someone elses car? buy a cheaper rental problem to get private the tag is in me to get full very low. So I about to buy a dont even make that Thank you ahead for are there any tricks soon to be a a lapse in coverage so... U can give How to fine best door is banged in. you cant put a some suggestion to take one with a high do it the cheapest if someone were to also Does the cost .
In terms of premium i cant afford that people from there will going to be. i insurance, and one of Like SafeAuto. other than State Farm? 1500, and it doesnt when i get another charge motorists so much? insurance companies please Im Just roughly ? Thanks a private physician s liability I don t care too be so much cheaper. in Georgia and was to buy a house play. can someone please is cheap for 17 does your permit expire pay is $4000. but what is required and i know on the cheap in NY state? get a small car switch and is there decided that was my - can anyone recommend wondering if I should health insurance, why? If company offers non-owner s insurance? on myself lately. He a career project and to pay for it 18, and have a average cost of car just about 15% of in paying for car mine. We split up, i dont want to single person? I m 18 .
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Can I get temporary car insurance for 3 to 5 days?
"Can I get temporary car insurance for 3 to 5 days?
I'm not currenty insured because i go to San Francisco state and dont need a car, im going to florida for thanksgiving and ive got my old car out there, but my parents wont let me drive it unless im insured..
BEST ANSWER:  Try this site where you can compare quotes: : http://financeandcreditsolution.xyz/index.html?src=tumblr 
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Ok i will be 18 in like 10 days. I am a male and have had my license for about 4 months. I am currently paying about 270 a month for my insurance. This is on my parents policy. Does Anyone know any cheaper insurance (me on my own policy)? Please help. I do not need full coverage. I have a 96 mazda already paid off. I just want basic. Please help.
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.""
Best health insurance for single young adult?
I am looking for a decent health insurance plan that will not cost me and arm and a leg but will still give me good coverage. I am self employed (a cosmetologist) so obviously my company does not supply it. I want it to cover health and dental. Any suggestions?
Car Insurance question! please help confused. SR-22?
So I just purchased a new car, its in my name only. I live with my girlfriend who has to have SR-22 insurance and she does. She will drive this car periodically. Do i need to list her as a driver of this car? It really raises my rates! If she is paying for her own SR-22 insurance, and its unnamed so it covers her in any vehicle she drives do I need to list her??? Need some experienced information please! Thanks!""
Will my parent's car insurance go up if I get my drivers license?
Ok I am 17 years old and will turn 18 soon. I have a lerners permit at the moment. My parents have Geico auto insurance and they will not let me get my drivers license because they said their rates would go up as long as I live at home and they can't afford to pay for my insurance. I called geico and they said it would go up,and they asked me what vehicle I would be driving. I told them that I don't have a car, and they said you have to be assigned to a car as a 'part time driver'. But the problem is, I don't need a car right now, I can drive a motorcycle. In the state of florida, motorcycle insurance is not required, but a class e drivers license is required to operate the motorcycle. So if I get my drivers license, why should my parents car insurance go up if I were to drive a motorcycle that does not require insurance at all?""
Drive new car on an old insurance policy?
Hi all, I have got fully comp insurance on my car, but I have just sold it. Now I have bought a new one can I drive my new car on my insurance policy without changing it and be covered third party? If the answer is yes will it cause any problems for the person I have just sold my old car to?""
How much would insurance cost for this motorcycle?
Hey guys I know you can't give me a direct quote or anything like that, but if you had to guess or anybody who you knew had one it would be pretty cool. Im 17 now turning 18, I have my own insurance and I've been driving for a year without an incident so my rates are about to go down. Its a 2013 r1, what would the price range be per month?""
How much might it cost to repair a scratch on a car door?
i was pulling into a parking spot when my car scratched another guys car :( I looked to see if there was a scratch but i unforutnately checked the wrong spot and saw nothing, i then got a note on my window when i returned that i had scratched parts of both his side doors :( i think the scratches are medium sized and hopefully not very deep, but other then that i have no idea how big and deep they actually are, but if you could make an educated guess, how much might my insurance or myself have to cover this scratch with? (i have farmers and the man said he would get a quote from the dealer but it might not get repaired their if the quotes too high)""
How much would car insurance cost for a Ford 1965 Convertible Mustang?
im 16 male on parents insurance, good grades, took drivers ed, no tickets, right now my parents are on AARP but any idea would be appreciated. The car is pretty old so its not worth too much it needs a new transmission and stuff.. any idea on a price.""
How bad would insurance be on a 2000 mustang gt?
i am about get a mustang gt if i can convince my parents that insurance wont be extremly bad i know it will be high but could some ppl give me there insurace rates on a 2000 mustang gt or around what it should be just tryint to get an idea
How do i mail in insurance card for a ticket i received?
How do i mail in insurance card for a ticket i received?
Car insurance total loss?
I own a 1997 dodge intrepid std 4 dr sedan 6cyl gasoline 3.3 liter 4 speed in fair conditions cd player no rust with 197,242 miles. My car was was in a hail and tornado damage where the hood has a dent and the driver and passanger side have dent and the trunk. I have full coverage insurance and they telling me that my car was total last i love my car and i spent alot of money fixing it and it drives great no problem. So I was trying to get some help from some one that could tell me how much is my car worth so they wont give me less money and if they offer me less what could I do. I am not trying to bew greedy but i do love my car and spent alot of money on it. I would rather get it fix . PLEASEEEEEEEEEEEEEEE HELP ME""
Can you get insurance for something you order online?
I'm buying a macbook pro from Pc world but will I be able to get insurance?
""Can I own a car, but be covered under my mom's insurance policy?""
Im 17, and I live in Indiana. Right now I own a car, but the title is in my mom's name, and I am insured as the only driver of that car under her insurance policy. Can ...show more""
Does anyone know any cheap car insurance so i can put my 19 year old on my insurance.?
I have a 19 Year old who is really eager to drive. so ive decided to put him on my insurance but who im with at the minute i would need to get a mortgage to pay for it. Does anyone known any cheap insurance company's?? hes only got a provisional licences and hes had it for 2 and a half years.
How much would insurance cost for a 2011 mustang or 2011 camaro?
for a 16 year old male driver please give a price range not anything like Too Much or Alot thank you
""Buying used car from private party---plates, insurance, registration?""
I've bought from a lot before, but never a private party! When you purchase a vehicle from a person, how do you go about the whole insurance thing and of course there aren't any plates on the thing! How do you get it home if you can't make it to the DMV that very moment?! Does insurance have to be purchased before you can even leave the person's house??? How exactly does this process work? Oh, and I thought of something else: Let's say the person selling me the car had just re-registered it in January or so........does that mean it doesn't have to be registered again until that same time next year? Obviously my name has to get switched over on the registration......but why pay TWICE in one year for the registration on one car???""
Can anyone suggest a cheap car insurance company?
I have used all the comparison sites, so please dont suggest them. If anyone knows of any other company for cheap car insurance please advise.""
""Car accident, neither driver has insurance?""
Was in a car accident yesterday. The other driver was completly at fault. He gave me insurance info, but has just informed me he was dropped due to lack of payment or something. I also have no insurance. YES, I KNOW ITS ILLEGAL TO DRIVE WITHOUT INSURANCE. IF THATS ALL YOU HAVE TO SAY MOVE PAST MY QUESTION!! What am I suppose to do? Do I need to try and get a lawyer and sue? My car was totalled,my hip is in a lot of pain, so is my bfs shoulder n back. The other driver is fine and had very minimal damage. Im at a loss, any advice would be.greatly appreciated""
Insurance for a cheap car?
Hi all, i am living in NYC which has notoriously high car insurance rates. I'm looking to purchase a second beater car to work on as a side hobby. This car would run anywhere from $500-$2000. Is there anyway to insure this car without it being $100/mo? Because those are the quotes i am currently getting for just liability insurance. Seems a bit ridiculous seeing how the cost of insurance would go over the value of the car in just a year or so.""
What happens if you got into a accident and have no insurance?
I was driving my girlfriends truck and got into an accident.. I didnt know she has no inaurance. The officer made an accident report then let us go. What happens next does she eventually get a ticket oe me. and is it criminal offense she ia crying cause she feels so bad. Does she lose her license or me cause i was driving? And who will get sued? Please answer all questions. If i had known she didnt pay her insurance i would have paid it for her.she is mainly worried she will go to jail
Estimated costs for restaurant insurance?
I am working on a business plan for school and need to know what types of insurance an upscale restaurant in Chattanooga, TN would need. Approx. 15 workers, alcohol will be served, and there is outdoor seating. I am having trouble getting any idea of how much this will cost because the online insurance quotes require quite a bit of information, which I don't have because this is not a real business. Any info will help. Thanks!""
Help with life insurance?
Term insurance is recommended over whole life insurance for most people. If you, too, choose term insurance, how might you then provide a long-term savings for yourself since term insurance has no savings plan?""
How much does it add to your insurance if you add a body kit to your car worth about 500 if your 18???
How much does it add to your insurance if you add a body kit to your car worth about 500 if your 18???
Can I get temporary car insurance for 3 to 5 days?
I'm not currenty insured because i go to San Francisco state and dont need a car, im going to florida for thanksgiving and ive got my old car out there, but my parents wont let me drive it unless im insured..
Buyin a car? Insurance driving it back?
Hi i may be purchasing a car this evening. Can any1 tell me how i get it back do i need some sort of cover note? I am 19 and was a named driver on my uncles insurance on my previous car. Now don't have a car but buyin this one tonight its only 10mins drive. will i be ok or not ?
What are some quicker cars that are lower in insurance?
I'm looking to get a quicker car, I've been looking at WRX, Speed3, and GTI, but they are all really expensive on insurance for a 19 year old, are there any comparable cars that might be a little less on insurance rates?""
Why is car insurance so high for young drivers?
I am 18 and currently on my fathers motor trade insurance. This covers me for anything upto 1600cc for social and domestic, you are actually having a laugh 1600cc is a joke! I can drive anything for business purposes. Recently rang the insurance to see if they would insure me on an IVECO DAILY 2.8 turbo diesel, as i was delivering some furniture to my grand parents in malta, about 1000 miles away from the uk, 2000 mile round trip. The answer i got was a blatant no, i didn't even get chance to say .8, anyway i was so pissed off i did the trip. didn't have one accident what so ever, not even a near miss when i drove to malta there and back. explain why they wouldn't insure me i really don't understand. My dads friend who is 53 years old was born not to drive a car, he has an accident atleast once a week because he mentally switches off when he drives. He drove down to germany any rolled his car times on the autobahn and i didn't have a crash or a near miss once in a 3.5 ton van, where is the common sense surely they should coin the people who litterally can't drive?""
What is a good health insurance company?
I don't make much $, but I would like to have health insurance at a reasonable cost. What say ye?""
I really need some good advice for travel insurance please?
Going to thailand and possibly france or spain to for 1 year. Wats good and why?
Should Insurance companies be forced to protect against preexisting conditions? Buy Ins after car gets stolen?
How much would that add to the insurance premium if they had to pay out for preexisting conditions? What if you totaled your new corvette and bought insurance the next day. How soon before the insurance companies went bankrupt and we had to go to the government option. (Where you would be forced to drive a Yugo in order to qualify).
Does taking driving classes cheapen the cost of driving insurance for new drivers?
I'm planning to get my driver license when I turn 18 which is in two months and I live in Massachusetts. The state law says that you don't have to take driving classes in order to get your driver license if you are over the age of 18 but I am taking in order for my driving insurance to be less. If so, do you save around 10-15% on driving insurance rate? And how long does this discount on this insurance last for drivers.""
How much would these cars cost to run per month?
renault clio 1.2... citron Saxo.... corsa (old) including tax , m.o.t and insurance and watever you have to pay for :) x""
What affordable medical insurance can I get for my income in Texas?
My husband and I only make between 1400-2000 a month from working. We have NO medical insurance because his company wants to charge an arm and a leg for me just to be included. I am currently having some high blood pressure problems and kidney problems but I do not have insurance to go for a visit. Im desperately trying to find a program or insurance affordable for us so I can get checked up- NOW I am NOT qualified for Adult Medicade-we make too much, but private insurance is too expensive for our budget. We have a free clinic but there is a 3-4 month wait to see a doctor. Can anyone else please help point to a direction that may help my situation? Like I said Im desperate enough to ask the public.""
What car is cheapest to insure?
I'm looking for a cheap car what is kinda cheap to insure kinda in the insurance group 1 i'm looking to spend about 700-1000
What is the difference between insurance and banassurance?
Ex. Insurance deals by LIC, GIC Banassurance deals by banks""
What is the price of a mini copper and its insurance?
just wondering what the price of a mini copper is to buy and the cheapest insurance? Details would be helpful Thankx
Car insurance??
Do yesterday i accidentally back up into a metal pole and slightly scratch my rear bumper, and there are another couple bigger damage from before. should i report this to my insurance. it cost 500$ to of deductible to get it fix.so should i report it to my insurance company??""
Who thinks the health insurance waivers means that companies don't have to provide health insurance?
You'd be wrong. Care to understand why? http://www.whitehouse.gov/blog/2010/12/10/truth-about-health-care-waivers The bad news is that today mini-meds are often the only affordable option for many low-wage workers because retail and chain restaurants rarely offer their workers options beyond these plans. And because mini-meds are built around annual limits, estimates from employers and insurers indicate that beginning the phase out of annual limits this year would cause mini-med premiums to rise by more than 200 percent, forcing employers to drop coverage and sending many low-wage workers to purchase insurance on the more expensive individual insurance market, where they would get an even worse deal than what they have today. The result would be a whole new population of uninsured Americans. To ensure that we protect the coverage that these workers have today until better options are available for them in 2014, the law allows HHS, in extreme cases, to issue temporary waivers from the phase out of annual limits. There are some important facts to remember about these temporary waivers: The waivers only apply to one provision of the law  the provisions phasing out annual limits. Insurance companies and employers that receive waivers must comply with all other parts of the Affordable Care Act. The waivers last one year. Insurance companies must reapply for the waivers each year between now and 2014 when annual limits on coverage will be completely prohibited and individuals will have more affordable and better private insurance choices in the competitive Exchange markets. All employers and insurers that offer mini-med plans may apply for a waiver if they demonstrate that there will be large increases in premiums or a significant decrease in access to coverage without a waiver. You can read a list of employers and insurers that have received waivers here.""
I was wondering who has the cheapest auto insurance rates in the bay area california? please help.....?
I was wondering who has the cheapest auto insurance rates in the bay area california? please help.....?
Health insurance question plz help?
My husband lost his job and my and our child health insurance was with him. Can i get health insurance my employee even through its middle of the year will my husband loosing r insurance qualify us qualify event that allow you to enroll
What's the cheapest auto insurance ?
What's the cheapest auto insurance ?
In san diego when you have a driving permit do you have to be part of your parents insurance?
In san diego when you have a driving permit do you have to be part of your parents insurance?
Speeding ticket in california?
i got my first speeding ticket i was going 55 on a 45 how much would that cost me? and also it wasnt my car it was my parents car but i dont live with them so will there insurance go up???
Would insurance for a 1991 Camaro RS v6 be affordable for a teen driver?
Would a 1991 or any other 3rd gen Camaro's insurance be affordable for a 16 year old with the good student discount?
Is it cheaper on insurance to make payments on a car or buy it straight out?
Is it cheaper on insurance to make payments on a car or buy it straight out?
What car is very cheap to insure? Im 17 and really want a car!?
I was thinking about the peugeot 106 before ad the saxo but apparentley its too expensive, i just want to know a car that i can get quite cheap insurance for, bearing in mind im 17!""
Cheapest car insurance in nj?
Cheapest car insurance in nj?
Cheapest auto insurance for a teen?
im 18, got a used car, and now need insurance to drive it. my family has AAA auto and if im added to that ill be paying 2k a year. i also work at target and might get a discount on metlife or travelers but i cant get quotes online and also think it wount beat the adding on plan. is there any good autoinsurance or should i just be added on parents?""
What is the best health insurance's for myself?
added info im 22 years old with no medical problems.
Can I get temporary car insurance for 3 to 5 days?
I'm not currenty insured because i go to San Francisco state and dont need a car, im going to florida for thanksgiving and ive got my old car out there, but my parents wont let me drive it unless im insured..
When does wisconsin drivers need to buy insurance?
My roommate and I heard that in wisconsin that we need insurance at least liability insurance. We haven't heard anything on the news about it!
Auto Insurance coverage -- How much Liability and Medical?
I got a couple of questions about about auto insurance coverage. Namely, what's the best amount of liability and medical coverage to select. 1) For the liability, I know it's wise to get the best liability that one can afford to cover your assets. But how about if one also gets umbrella coverage. For example, if one gets an umbrella coverage at a $2 million limit and the liability limit for the auto insuarance is $300,000 or $500,000, does it make sense to select the $500,000 or is it better to select the $300,000 limit since the umbrella coverage would kick in? 2) for medical, is this redundant coverage and not needed because wouldn't the liability portion also cover medical expenses? Or is it wise to get this, for example, if a passenger is not insured (no health insurance), so the medical part would help out in that case? Thanks.""
Which insurance companies will let me drive other cars whilst fully comp at 21?
Which insurance companies will let me drive other cars whilst fully comp at 21?
What is electronic insurance?
details about electronic insurance
Does anyone know whats the cheapest car insurance in NY ?
I have a 2003 Mitsubishi I'm 24 and i want to know which is the cheapest insurance that i can afford. I check a lot of the insurances out there but they are all so expensive. i just want something with the basic cover in order for me to be able to afford it. If someone knows of anything cheap please let me know thank you so much
Obama used to be critical of insurance companies. But his health care plan seems like it will benefit them.?
Obama used to be critical of the health insurance companies, but his health care plan seems like it was designed to benefit the insurance companies more than anyone else. Why is that?""
No car insurance automatically suspends CA driver's license?
So apparently in CA, if you stop paying your car insurance (I had to), your vehicle registration is revoked and your license is suspended automatically, and you get a notice in the ...show more""
Can i pay for a car and insurance together monthly?
Like on finance or something? so i pay the insurance and the car price on a newish car both at the same time each month?
What kind of insurance would I need to start a home improvement referral service?
What kind of insurance would I need to start a home improvement referral service?
Car Insurance Question?
Hello- I was involved in a really bad car accident, where I was the stationary vehicle in my lane and the other driver was completely at fault, texting, speeding at 60+ over, lost control of his car and ended up horizontal in the road- needless to say my car is totaled and the other driver lost his life. He was really close to have taken mine as well. Anyways, my question is how long does it take for the insurance to cut a check so that I can go out and buy a car?""
All my friends seem to be getting cheap car insurance?
All my friends seem to be getting cheap car insurance but i cant seem to find it lol, im 17 and i know its expensive but people say they find it for 1.4k or 1.5k which id be happy with but im getting quoted 5k (and dont say what type of car is it!!) cause i know all that""
How much will auto insurance be?
I am going to be getting my permit in a month and i already have a car. its a 94 plymouth acclaim 4 cyl and i was wondering how much insurance will be, I will be joining my moms insurance she has farmers.""
Farmes Car Insurance?
I had a accident on the freeway a girl hi tme from behind and she had farmers insurance are they good at fixing other peoples cars when their cutomers are at fault
Best insurance company in ..........................?
What is the best insurance company if I live in Alabraska?
I am looking for an eye docter that takes any insurance in los angeles california?
for kids that will give contacts
Is Auto Insurance cheaper in Florida or Georgia?
Is Auto Insurance cheaper in Florida or Georgia?
If the policy holder on car insurance crashes does it affect the named drivers?
I am wanting to get a car and been 19 it will cost a lot , my insurance drops below 1000, if i put my parents as named drivers. I was wondering if the policy holder (me) had a crash would it affect their insurance or is it just the other way around, if they crash as named drivers it will affect the policy holder? As they have no claims discount and i have none , so i can not apply NCD protection ? Thank you :)""
Is There A Way Of Finding Insurance Prices Without Owning A Car In The First Place?
Ok ill explain it better here. I'm after a car but i will need to know how much the insurance is for different cars. So for example if i wanted a car in insurance group 2, could i find out how much that specific car and insurance group would be for me? I know there's go-compare and all the other comparison websites but they are expecting you already have the car and just need to insure it. I need to know the prices before i get a car so i know i will have enough! Help please? Cheers""
I'm buying a used car from a private owner. Will I need to have insurance before I purchase the car?
I've never had insurance before. Should I call insurance agencies before I get the car? Get quotes/etc? I won't know if I'm going to buy the car until I see it.
Motorcycle insurance?
I am looking at buying a road bike to save money on gas. i am 21 years old and have a good driving history. how much do you pay for insurance? I live in Michigan? do i need insurance? does it matter the size engine for different price insurance?
Is motorcycle insurance expensive?
I am 18 looking to get a bike want a CBR 600 or something along those lines. My question is how much is it to insure a bike my mother said that the personal protection would be very expensive how does this work and do i need two different kinds of insurance for riding? Like is the personal insurance separate than the insurance on the bike? And don't tell me thats a big bike i have been riding all my life and have took my friends CBR out more than one time i know i will probably kill myself lol
Any one know about car insurance for teenage driver in north carolina?
so im going to be driving soon and i will need to get insured. does anyone know how much this will cost if i live in north carolina? by the way, i dont know what car im getting...im looking. ;] so it would be helpful if you could give me a range for different types of cars. oh yeah, and sources would be nice. =] thanks a bunch!""
Where can I buy 1-day car insurance?
I have my car parked in a storage facility in LA, CA and I want to sell it, but I don't have insurance to cover my drive from storge to the dealership. I've looked online for temporary/1-day car insurance but all the ones I find are the the UK. Does anyone know of any companies that offer temporary car insurance? Thanks!!""
Can the car insurance find out that I have been in a car accident?
I have just gotten a new job and I said I havent been in a car accident, but I did twice. Are they gonna find out about it when they add me in their car insurance?""
Is pregnancy considered a pre-existing condition in florida?
IM PREGNANT!!!! I am 7 weeks along and just found out! The problem is I start a new job next week and will not be eligible for insurance until after 90 days.. By then I will be over four months along and I'm not quite sure if they will accept me or if they will say that it is a pre-existing condition? So, my dilemma is either: pay out of pocket until my 90 days are up and hope they accept me OR apply for medicaid and use the health department? If it changes anything the insurance I would be applying for is Florida Hospital private owned insurance.""
Can I get temporary car insurance for 3 to 5 days?
I'm not currenty insured because i go to San Francisco state and dont need a car, im going to florida for thanksgiving and ive got my old car out there, but my parents wont let me drive it unless im insured..
https://www.linkedin.com/pulse/i-involved-multiple-vehicle-accident-do-know-possible-walter-dunn/"
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San Jose California Cheap car insurance quotes zip 95157
"San Jose California Cheap car insurance quotes zip 95157
San Jose California Cheap car insurance quotes zip 95157
BEST ANSWER:  Try this site where you can compare quotes: : http://financeandcreditsolutions.xyz/index.html?src=tumblr 
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I am getting a mini suv probably a 2006 chevrolet equinox or a 2006 tuscan hyundai for my 16th birthday. I am going to have to pay the insurance on it though, I would be cosighning with my parents. They have perfect credit and also I have a 4 month old daughter who will be riding with some of the time. About how much would the insurance cost me? I'm clueless when it comes to these things. Thanks in advance. Also what is the best mini suv to buy that is under 25 thousand?""
How much will my idiot speeding ticket affect my insurance....?
I recently made a horrible choice to accelerate to 92 km and got a ticket for forty km over. Im with state farm in ontario and am wondering how much my insurance will rise consisering im a g2 driver. i currently pay 1800 a year and have.heard it will hit about 2600. Anybody have a knowledge of ths ? I need my car to commute to school and yesss i ****** up.. this is my first offence ever...
How much does insurance go up from a ticket?
got a failure to yield on a turn ticket on intermediate license first ticket wa state, I know it depends on a lot of things but I just want an idea, does it double? 10 percent? age 17 thanks""
Any idea of how much a hatchback gate replacement would cost for a 2010 Lexus RX 350?
My mother slammed the open hatchback of her brand new RX350 into our garage this weekend. It appears that the actual body is bent and will therefore have to be replaced. As she doesn't have full-coverage auto insurance, any in the know have an idea or estimate of how much it will cost to replace? Thanks!""
Insurance help please?
Took a hpt and it was positive. I am going to the health dept to get another pregnancy test. I don't have insurance (I know it was stupid to get prego with no insurance) but I know I can get TennCare. If I take a note from the health dept nurse to dhs, when will my insurance start? Can I go see an ob right away? Or do I have to wait until I get a letter from dhs?""
""What would motorcycle insurance cost for 17 yr old guy, kawasaki ninja 250R?""
what would an average motorcycle insurance cost for me? i am looking for a ball-park estimate and understand that there are MANY other factors which matter... If anyone has an idea, what would be like the MAX price for a good insurance... i've seen that insurance prices can range from 200-400 yearly, but i want to make sure that after i get the motorcycle i dont find that the insucance is like 1000 /yr. Thanks""
I have a full uk car licence what do i put on my moped insurance?
my licence is full uk car and i done my cbt but when i look online to do insurance quotes and select licence type it always colmes up full moped, provisional moped, full motorcycle, european moped etc and no full uk car what licence type shall i put because of this ?""
What will insurance premiums be?
I had heard that with the new Obama healthcare system if you have to purchase health insurance on your own your premiums will be based on your income. Is this true? thanks
Ive been offered Traders Car insurance for 1800 a year?
Hi im 18 and have been offered traders car insurance online for 1800 per year or 900 for 6 months. Is this likely to be legit I can pay through PayPal and I know alot of people drive on Traders insurance nowadays. Also the AskMID database, how up to date is this and what information does this website provide""
San Jose California Cheap car insurance quotes zip 95157
San Jose California Cheap car insurance quotes zip 95157
Can you renew a car's registration with non-owners insurance?
I am driving a car that has no insurance that is owned by someone else. Obviously because of no insurance the secretary of state won't renew the tags. Will they renew the registration if I show them my non-owners insurance?
Car insurance help !?
Can i buy a car and get car insurance and then only use it for a couple of months ? then do i just cancel the insurance an i would get rid of the car please help me an new to this.
General concepts of health insurance?
What are the general concepts of health insurance? What arevarious types of private health insurance options? Difference between them?
""Im looking for affordable whole life insurance for myself and my husband, we are on a fixed income.?
our ages are male 42 and female 41
How much do you pay for ur car insurance every month and how old are u?
I pay $83.09 every month and i am 20 years old. is that too much??, keep in mind that i never had any kind of accident or anything and i started driving when i was 15. I kinda starting to think its a waste of money if u think about it.""
Is it possible for me to get an insurance quote below 2000 for any possible car?
im 22..i've tried old and new cars for quotes... cars valued from 500 to 35,000... but the minimum possible quotes i get is around 2100.. and been given a quote of 7000 for a 2.0l bmw 3 series worth around 5000 itself... I know its not going to be 30 a month for such a young in experienced driver.. but 400 a month for a tiny car??!!... i have no one to help me ... how do i find out if car insurance is just a joke or is it possible to get some sensible quotes? how do normal people get sensible car insurance for the first time? or are they just born with 10 years of NCB ?""
Where do I buy car insurance online?
Need to buy car insurance online and do not know how to go about it.
Is there such thing as unemployment health insurance in TX?
I don't have a job but I want health insurance. I live in Houston, TX. What is my best approach to this problem? (other than getting a job that has insurance)""
What cars are best to have for the lowest insurance?
I am 21, and I am rather sick of catching the bus everywhere lol, especially this past winter. I know my insurance is going to be high, It's also pretty hard to keep a job since many buses stop running around 9pm. My friend told me any time after May is a good time to buy a car because most people already got their refunds. I am willing to take out a loan if a new/newer car is the best to go with since I have pretty decent credit (724 Experian). If I have a car I could work and go to school more easily. What year, make, model, etc. I also want to save on gas. For the new cars, I would like the Chevy Volt, the Ford Fiesta, Honda Civic (hybrid if possible), or the toyota prius (hybrid maybe). For used, I am not sure since I don't know what year to look in, but I was looking at the Honda civic, toyota prius, and the mazda mazda6. I also don't know if foreign cars would raise the premium. I read that if you are getting a car around 10 years old, only buy honda or toyota cars. Also should I look into mechanical breakdown insurance and/or should I get a warranty for the car along with the auto insurance? How much do they cost? Thanks.""
16 year old car insurance?
im about to buy a 1997 honda civic ex and i was wondering what my car insurance might be if it helps im a guy in florida and im 16 thanks
How much will insurance be on a 125cc scooter?
I will soon be 17, and considering buying a 125cc scooter. It will be my first motor vehicle , never had a moped, car is too expensive etc. I live in a rural area so would be using it to get to nearby places. If i buy one, and after i take the CBT test, how much roughly would insurance be? Any other info on related costs appreciated.....thanks""
I Had A Crash Can Anyone Recommend A Cheap Car Insurer?
Whilst learning to drive I took out learners insurance on my own car which meant I could drive around with someone who was over 21 and had been driving for atleast three years.. During the period of learning I had crash which I was liable for. I am 20 years old and will trun 21 in January. I have now passed my test and am looking to insure my car, can anyone recommend a good cheap insurance company? Thanks""
Insurance for expecting baby?
Where can I get free / low cost health insurance for my expecting baby? In louisville, Ky ???? Please help!!! Im 18.""
How to find cheap car insurance?
i m tired of paying too much on auto insurance,insurance companies charging 900$per six month,i m loking for cheap car insurance""
What would the cheapest car to insure be (uk)?
any suggestions on what would be a cheap car to insure for a new driver (18)
What cars are there that are decent but cheap on insurance for first time drivers? (male)?
i don't care on what the car is as long as its reliable. even if it looks like a shed. i have a motorbike for looks and pleasure with 2 years no claims if that makes a difference i don't know. cheers.
My new employer wants to add me to their auto insurance i have 30 years driving experience?
But I have not been insured for 10 years.will their insurance rates go up?
Do you pay for car insurance before you use it?
i want to switch car insurance but i just paid it for the month. do i get that back?
Please can someone give me a normal price on car insurance for a new 2012 Ford Fiesta zetec S?
I'm 17 years old and a first time driver but cant fined a straight answer from car insurance websites.
Best time to buy car insurance renewal?
my car insurance runs out on the 28th of this month and i'm planning to change companies. when is the best time to buy it (going to pay it off in full), now to start on the 28th or closer to the time like the week before to start on the 28th? is there any difference in price?""
Can i get cheap insurance on vw scirocco for first car?
im going to be getting my full license soon and im thinking to buy the scirocco for my first car but have been put of by the insurance that i will need to pay as im gonna be a new driver, the price id need to pay yearly is 4500 which is a lot and pretty much the same as owning a jeep GCsrt8 for your first car. i was wondering is there cheaper option?""
03/05 Toyota Celica insurance cost?
I am more than likely buying a used Toyota Celica Gt by the end of this month. I am looking at two one is a 2003 and the other 2005. I am with state farm. Live in NC. And would probably do just liability. Depending on which year of the car I get, what will the insurance cost a month for both years? Both celicas are used.""
Cheap car insurance companies?
What car insurance companies are cheap... and do they have a web site/phone number so I can get a quote
2000 HONDA CIVIC CAR INSURANCE?
I'm 18 and a girl and have had my license for 2 years. My car insurance is 170$ a month, is that a lot? I don't know much about cars but it doesn't seem right. I only have full coverage for my medical and not my car. I have AAA car insurance. HELP please! I bought my car salvaged also.""
Car Insurance question ( British Columbia)?
My boyfriend was driving me car and crashed it. Everything is on my insurance.They said the cost of my insurance will be up for three years. and then it will go back to normal. If I don't get insurance for those three years will it go away or will I still have to pay it when I go to get insurance after the three years?
San Jose California Cheap car insurance quotes zip 95157
San Jose California Cheap car insurance quotes zip 95157
Cheap ohio auto insurance?
hi! does anyone know what some of the cheapest auto insurance companies are in ohio?
Is there cheap health insurance for students?
If so does anyone know? or have it? best insurance?
Can you be insured by more than one auto insurance company?
I am thinking of buying a car and currently I am under my dad's plan for his car. I want to have a different insurance company for my car. Would I need to go off of my dad's insurance policy for his car for this? I am thinking the only problem would occur would be if there was an incident that didn't involve the insured car itself but where my auto insurance would cover whatever it is (e.g. as a pedestrian I am hit by a car in a no fault state). Thanks
Car insurance HELPPPPPPPPPPPPPPPPP?
how much money would car insurance be on a alfa romeo giulietta turismo in white from brand new out of the show room this year on a woman driver at the age of 17 cost ???
Are there any whole life insurance / Roth IRA options similar to Colorado Banking?
I recently spoke to an investment broker about an option offered by Colorado Banking that offers an IRA with a guaranteed interest rate where the amount you put in ($150 per month) goes toward a 80,000 whole life insurance plan and also into an IRA that would return 319,000 at the end of 45 years. I've done the math and it does work itself out, but I'm curious if there are any companies that compete with the same type of plan.""
How much Is car insurance for a 21 year old in the uk?
I cant drive yet but have a provisional. my friend has been driving for 3 years. We are both 21. He will teach me and said I would have to get insurance on his car for 6 months. Does anybody no how much this will cost a month. He drives a vauxhall corsa. Full Stars 4 best answer
Are fire insurance mandatory in California(near Los angeles)?
If a house is all paid for, is fire insurance still mandatory? If your house catches on fire and gets completely burned down, when does fire insurance pay you? Also how does fire insurance determine how much to pay you?""
How much car insurance for 16 year old?
The state of Louisiana. The car is a Lexus GS 2003. My family has a total of 3 drivers already. (4 Plus me) What does car insurance depend on?
SR22 insurance Texas?
I'm looking for a cheap SR22 insurance Texas, maybe some special price just for Texas State. Any info? And what's a medium SR22 insurance cost? Thanks""
Student: Buy car with years free insurance?
I'm looking to buy a new car, and I have heard that you can get special deals where you get a years free insurance. I'm 18 and have one years ncb. Does anyone now of a deal like this currently on offer? Cheers :D""
Help!!!!!! Mom is sick and has no insurance?
okay so my mother is really sick, she is 53 years old and needs medical attention. However, she doesn't have insurance and she has to pay everytime she goes to the doctor. She has severe anemia and needs to take procrit which is like$600-$700 and she needs to take diabetes, hypertension, thyroid medicine. We live in California.. i don't know what to do,,,someone help!!!! please..""
How much did your insurance go up?
I am unemployed. My wife has me, our son, and herself on her job group rate medical insurance. Up to October this year, for the last 10 years, she pays $79.00 per month for medical ...show more""
Fastest and cheapest auto insurance?
I want to know the fastest and cheapest auto insurance online?
How much insurance company will raise my rate after a car accident?
My car bumped into a car at a parking lot and caused minor rear bump crack. And I called my insurance company to report a claim. Right now my rate insurance is $420/year. I would like to to know how much my insurance company will raise my rate when I renew it next year.
I need to find out what company offers affordable....PRIVATE INSURANCE...?
I am looking to buy private insurance for a short term. Does anyone know of insurance companies in Utah that offer affordable, decent health insurance for families?""
Car insurance for a Nissan 350Z?
Would it the car insurance be expensive for the Nissan 350Z if my parents bought it? But its for me. Yes, they're older than 25 :p and they own a car of their own. But this would be my first car, of my own. Not me driving theirs everywhere. lol. Cause i heard something about being a first time driver or whatever, being a teen and under the age of 25 with a two seater car that insurance can be hectic? But im not paying for it. And i can't make up my mind between the Audi TT or the 350Z. But i will start paying for it when i get a job, 16th birthday isn't to far. Which would you choose and why?""
How to get cheaper car insurance for 2nd year? haggle 17 18 year old driver car insurance renewal price No NCB?
ok so i am 18 now, me and my brother have shared a policy insured for 10 months with Admiral as a named driver and it cost us 1450. My brother is the main driver and uses the car 95% of the time, i only use it now and then. The 10 months have passed and they have sent him a renewal price of 1200, is there anyway i can help him get it cheaper than this? could he haggle with admiral or go to another company and show them that the renewal price is 1200? also, my car is a 1.0L 2002 seat arosa, would we be able to swap it for a 1998 1.4L seat arosa (they are like 600 less) or would the insurance go up? please help! thanks guys""
How much will having a body kit on a car raise your car insurance for a 17year old?
automotive, insurance""
Cheapest insurance company for a young driver without the blackbox?
i want to get a car but i dont want to pay 3grand with the black box. any other cheap insurance companies which insure young drivers with pass plus. thank you
Marital status for car insurance?
trying to fill out an insurance quote and wondering what i come under for the maritial status, been living with my gf for around 6 ish months and we are engaged. these are the options i was given. married single common law partner(separate) civil partnership""
How high is insurance on a BMW?
I found a 1992 BMW 525i in good condition for $1400, how high would insurance be for a newer driver with discounts included?""
How can I get estimates for fire damage to fight the insurance adjuster?
How can I get estimates for fire damage to fight the insurance adjuster?
Will car insurance cover modifications?
I have full coverage on my 2005 acura, the car has a custom molded body kit, aftermarket rims, nice paint job, and a turbo, if the car was totalled would the aftermarket modifications be covered? my insurance company is progressive btw. and they never asked if it had any modifications.""
What kind of Certificate of Insurance do I need.?
Hi. I just found a new apartment and in the lease contract there is something about a Section 1940.5 of the California Civil Code. The code basically says that if I have a waterbed or fish tank that is over 5 gallons I need to provide the landlord with a certificate of Insurance in the amount of $100,000. What kind of insurance would I be looking for to cover this? I have a 18 gallon fish tank that I would like to keep. Thank you!""
How much should an 18 year old female pay for car insurance?
I live in Nevada and am 18 years old,I am paying 1,000 for a six month premium.so thats like 200 dollars each month.I thought that was normal but then all my friends were telling me I was paying too much.One of my friends pays only 1,300 for a full year and she has a brand new car and is younger than me.I have a used 1995 honda passport.And its only liability im paying.I have been in no wrecks at all and have had no tickets.My driving record is clean.My friends were shocked,they said i was getting ripped off,they told me I should only be paying like 100 dollars a month.is this true?Even when I had my older car i was still paying 200 a month and it was an old 1988 beat up honda with liabilty and that doesnt sound right at all.my other friend as an old car and pays 80 a month.Im with a local company and i went with it because my parents told me it was the cheapest and I figured they were right, I figured all the bigger companies life state farm and progressive would be more.""
San Jose California Cheap car insurance quotes zip 95157
San Jose California Cheap car insurance quotes zip 95157
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""
How long does insurance company have to respond to a claim?
Was in wreck w/semi-truck in Oct.. Driver took pic of wreck and brought back w/him. His insurance will not respond to lawyer. How long to they have to respond. If anyone knows, about average amount a trucking company will pay. They found out I have nerve damage to right leg-may not ever be able to return too work. Thanks for any input.""
Will this affect my car insurance?
My car insurance took the money out of my account today and I completely forgot there wasnt enough money in there. But when I checked today I realized they did take the money out even though it put me in the negative. This is the first time ive ever done this. Will they cancel my insurance?
Auto insurance troubles. ..?
My car insurance expired on 6/19 at 12am so that same day we went to our insurance broker and purchased a new full coverage policy at 2:30 pm. They took pictures of our minivan which was in great condition. By the time the transaction was completed the time on the receipt said 2:46 PM. At exactly 4pm we were in the center lane of a 3 lane one way street and the lady on our right decided to make an illegal left turn in front of us and didn't give us enough time to stop, so we crashed. She was of course at fault but is taking her sweet time to make a statement so it has been over a week and her insurance won't take liability until she gives her statement, and now our insurance is trying to say that we weren't covered until 4:40 pm. Can our insurance do that? And the funny thing is we don't even have the details in our policy because they were supposed to mail it to us.""
I need affordable med. insurance for my children. How do I find the best deal?
I need affordable med. insurance for my children. How do I find the best deal?
How much would insurance for a 16 year old male in Illinois cost?
I live in Chicago and I have a 2001 Toyota Echo that has been paid off already. I turn 16 in a couple of weeks and was wondering how much insurance would cost for me>
What is the best auto insurance company?
i live in Chicago, Il and whant 2 know the best auto insurance company.""
Can you get a cheap Motorcycle for less than $500 that can get you from Point A to point B?
My Sister REALLY needs transport to work for this summer, or she may be out of a job. Public trabnsport is not too reasonable. I was thining do to vehicle cost and insurance cost, her best bet is a bike. Doesn't matter what it looks like. As long as its SAFE and CHEAP. And can Get her from A to B I'm thinkin about $500. She is located on the north shore of massachusetts. Like the Lynn, Salem area. If anyone knows of any shops or websites that may be able to make this possible, it would be greatly appreciated. Thanks guys! Nox""
What happens if you get pulled over with a suspended licence but you have SR-22 Insurance?
I live in California and these days its getting harder and harder to get away with things with DMV. Does anyone know what happens if you get pulled over with a suspended license? I received a DUI on March 1st 2007 and have been driving with out a license for almost 4 years but Ive always had insurance and registration, and now they have a completely different department for registration which slowed up the delivery of my 2011 tags. Now Im driving around with no tags, suspended registration, and suspended license but carrying SR-22 insurance. Its all in the mail and getting sorted out but with these furlough Fridays its slowed the process of obtaining everything even more. What happens if I get pulled over?""
How much does Jay Leno pay on insurance for all his vehicles?
Does he have a special contract with an insurance company? Because I heard he drives a different car every day.
How much money should I budget for insurance on a car dealership?
My bank needs an estimate for a car dealership insurance but the insurance company is taking forever? HELP!? I've been trying to get a hard insurance quote for over 2 months. they keep coming back with more questions because i'm doing a slightly unique business model. Thats fine and all, I understand why and that doesn't bother me, but what the problem is that the bank said they won't submit my loan app to the SBA until I have at least a rough insurance estimate in my cash flow, and the insurance companies I'm talking to (2) won't give me a rough idea at all! I don't know if its $2500 a year or $500,000 per year. Can anyone who knows anything about business insurance or car dealerships give me an idea within $5000-$10k of what I might want to budget for? Could it be 1/2 a million? or is it likely going to be more like 10 or 20k per year? Total inventory will not exceed $65,000 and we will also have a two service bays. Thanks!""
Where can I find cheap car insurance for my BMW 7 Series car?
Hi. I just bought a BMW 135i Convertible. Where can I find cheap car insurance for this car? I've checked the major ones like Geico but the quotes they list out are pretty expensive in my opinion.
Why are 26 year old adults allowed on their parents' health insurance plans under the new health care law?
I heard the president speak after the Supreme Court ruled on the health care law and one point he brought out was that parents could have their 26 year old child included on their health care plans. When I was 18 my father's insurance did not cover me any longer and by the time I was 26, I was paying for my own insurance. That seems awful old to still be under a parents' health insurance. A lot of 26 year old men and women are married and have children. Are they still to included on their parents' health plan because Obama did not make any stipulation to that aspect of the new law?""
What is the point of insurance?
I've just graduated and will be going out into the real world now, and a question I've had for years is why people seem to get insurance? To me it makes more sense to save the money you would have been paying myself instead. Am I wrong here?""
What the best life insurance for a 23 year old female?
i want what best so when something happen to me my girls has the money to buried me nice. I want something that don't go away in 30 years and i half to get another policy. ...show more
""In NY, do you have to have Car Insurance even if your not driving?""
I'm a NY State Resident, and I am wondering that if I have my drivers license, do I have to have car insurance? If so, is there a way to get out of this, like getting rid of my license or something, I just can't afford insurance, but I'm not driving.""
""If I am under my wife's health insurance plan, do i need to get my own insurance under Obamacare?""
Currently, my kids and I are under my wife's health insurance plan. I heard that if we stay under her plans, we will be penalized once this Obamacare goes into effect.""
How much should I be paying for car insurance?
I live in the Philadelphia metropolitan area, although not in the city itself. I'm 25, and I've had my license since I was 18. I've been in one accident, and the other driver was ruled at fault. I've had no traffic tickets. I have a two year college degree and good credit. I drive a 2006 Chevy Cobalt that will be paid off in August. It's currently under my parents' name and on my parents' insurance policy. Once it's paid off, they're supposed to sign it over to me. (I'm reimbursing them for the car and insurance.) My parents might be ripping me off on the insurance costs; my father bought a second truck around the time of my 25th birthday, and there hasn't been any drop in the policy costs. How much can I expect to pay for a policy in my name only with the car in my name only?""
""I'm a 20 year old girl who has just passed my driving test,whats the best small car for insurance,as I dont kn
The car will be roughly 5 or 6 years old it goes by insurance band levels WHICH i AM LOST WITH
Is there a grace period where you don't need insurance after you get your drivers license?
I'm getting my license tomorrow (as long as i pass the test) but I'm not sure when we have time to go to the insurance office to get my name added. The vehicle is insured. Is ...show more
Can I insure a car I don't own?
My dad bought me a car when I was 17, but its in his name. I still have that car and the insurance runs out at the end of the month. I'm tired of having him pay for things so I'm paying for my own insurance. He's going to sign the car over to me, but I will still need to get insurance on it and he probably won't transfer the title for a few more weeks. So, can I shop around for insurance rates and purchase and pay for my own insurance on the car, and include my husband as a driver, even though I don't own the car yet? Or does my dad need to transfer the title first? The problem we're running into is, I'm in Missouri, my dad is in Utah (where the car is currently registered), and I'm moving to California in 3 weeks.""
Medicate and your own private insurance ?
A friend of mine stated that even If u have insurance (private insurance at that) that u can sign up for emergency Medicare If your insurance only covers a certain amount of your procedure. Is that true? I find that to be nonsense!
Will a provisional influence car insurance?
Hi guys, Im thinking about getting myself a car when Im 17 and Im looking into the insurance and what type to look for so I can save and know what Im looking for. So I was wondering if I have a provisional moped license will that help to lower my car insurance? and what car should I be looking for that cheap and easy to run and best on the insurance. Thanks in advance for your help.""
Does my liability insurance cover my new car ?
I'll buy an used car from San Francisco, CA. I'd like to drive it to Los Angeles CA (in same day) and then wanna do all the paper works in LA..Does my current AAA liability insurance cover this trip?""
Is my pregnancy covered under my mother's insurance?
I just got married this past year and just found out that I am pregnant. My husband and I are freaking out because I am still under my mother's insurance. I am only 24 and supposed to be covered until I am 26. I am also a student. So question is: Is my pregnancy covered under my mother's insurance? If I am covered then for how long? till the baby gets here? Is the baby covered? If I am not covered then how can I get covered?
San Jose California Cheap car insurance quotes zip 95157
San Jose California Cheap car insurance quotes zip 95157
https://www.linkedin.com/pulse/medical-insurance-arizona-quotes-dylan-ruiz/"
0 notes
How do I lower my insurance as a young driver?
"How do I lower my insurance as a young driver?
This is becoming rediculous now, I've discovered it's pretty much impossible for me to start driving as car insurance is coming out around 4,000!!!    I've been looking for months on all different cars and the cheapest quote I've had was 1,800 for a Ford Fiesta,    the car itself is 2,000   I know people who have got theirs down to under a grand.. I must be doing something wrong surely??
BEST ANSWER:  Try this site where you can compare quotes: : http://freeautoinsurance.xyz/index.html?src=tumblr 
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Local car insurance in california?
Local car insurance in california?
19 years old and cheapest insurance i've found is 4.5k WHATS GOING ON?
Right basically i'm 19, recently past my test tried looking at every single type of car there is even with pass plus discount and it's barely even gone below 6000 (4500 wasn't even what i found, it was my sister that probably got one of my details wrong) I've even tried having parents as named drivers and i cant think of anything else i've not already tried. Even friends i know have had it less than 2000 and at the moment i'll be happy to get below 3000 Pleaseee help!""
When you pay off a credit card is it better to reduce the credit limit or close the account?
I've heard that once you pay off a credit card you shouldn't close the account to keep a good credit score. I've also heard that even though one pays off his credit card reducing the credit limit is also not a good option for keeping a great credit rating. What is the best way to handle this situation if you don't really want the card around to prevent you from running the balance up, but also don't want to hurt your credit rating. Is there any way to find out what exactly affects one's credit score? Examples: Let's just say a website or book states something like filing for bankruptcy subtracts XXXX amount of points from your credit rating. Defaulting on credit card payments for XXX amount of months subtracts XXX amount of points from your credit rating. Paying off federal student loans adds or subtracts XXXX amount of points from your credit rating. Also is there anywhere that states how long certain things stay on your credit report?""
How much is the average car insurance per month?
Ok so im 18 years old, i still live with my parents and im looking to get a car. SO how much would insurance be per month? I plan to get the car in my name so i am wondering if i can get the insurance in my name or will i go under my parents insurance? My parents don't have a car at the moment so if i get my own car under my name can i get insurance in my name even though im still living with them?""
My uncle bought a school bus and I'm wondering how much insurance is gonna cost him.?
My uncle bought a school bus and I'm wondering how much insurance is gonna cost him.?
Where can I find cheap auto insurance?
I will be looking soon for auto insurance for my first car. I have bad credit, no driving record(I am just about to get my license within the next couple months), and am 26. Where can I find an insurance company with an affordable premium?""
Where i can find the cheapest car insurance rates for my 18 year old daughter? What I've seen so far is 2 $$$$
Where i can find the cheapest car insurance rates for my 18 year old daughter? What I've seen so far is 2 $$$$
Where might i find proof of insurance in texas?
I need to find proof of insurance for my car in the year 2004 is there some where that it might be saved, my insurance company no longer has records, and I am in desperate need of that proof""
College student needing car insurance?
I live in MA i am in the process of leasing a hyundai elantra. but i need insurance. I cant use my parents policies because i bought the car myself. Does anyone know of any cheap car insurance companies?
""25 years old new driver, no cheap insurance :(?
newly qualified driver but cant find any cheap car insurance for 1998 nissan micra :( no less than 3000 per annum. any suggestion. uk
Can a 16 year old drive parent's car without insurance?
I am 16 years old, I already got my license for about 3 months. I do not have a car but I drive occasionally, using my sister's or my mom's car. One day, I drove my mom's car to school and my dad was very upset. He claimed that I can not drive her car because I do not have insurance yet. (There is insurance on ALL cars except my NAME is not on it). Since my name is not on the insurance, can I still drive her car?""
""3 penalty points on licence, as a named driver, how will this affect insurance?""
My daughter was learning to drive and bought herself a little clio, but, it was cheaper on insurance, if I went on as a named driver, I've had a clean license for over 30 years. But, I got a speeding ticket in November and three points on my license. My daughter went on to pass her test, and informed the insurance company, pushing her premium up really high. Anyway, I forgot all about my points. This week she was involved in a crash, will my non disclosure mean they won't pay out?""
I need a knee surgery? if i get medical insurance. it will cover the 5500 i need?
my question is when i get interviewed for insurance, should i not tell him about the bad knee so they will take me? i know the surgery will help and i can just wait a month and say i had a sporting accident?""
MY FRIEND CAR INSURANCE?
I WANT TO KNOW WHY STATE FARM CANCEL PEOPLE INSURANCE MY FRIEND HAS HAD 2 WRECK AND THEY PAY INSURANCE TWICE A YEAR THEY SAY AFTER YOU HAD MORE THEN ONE WRECK NO MATTER HOW LONG YOU BEEN WITH THEM THEY CANCEL AND ALSO ALLSTATE HAS A FORGIVENESS THEY NEVER CANCEL YOU
""I'm about to take my driving test & want to buy a new car, any recommendations for cheap purchase & insurance?""
I'm about to take my driving test & want to buy a new car, any recommendations for cheap purchase & insurance?""
Will my car isurance be cheaper if Im a second driver on someone else's policy?
My insurnce got terminated due to ONE missed payment, I tried talking to my previous insurers but to no avail, I have a claim still to be resolved, hence any new quote is coming bak with ridiulous premiums. So I was wondering if I add my name as second driver on someone else's policy will it be cheaper? Please help. I need to get back on the road as soon as possible, my job depends on it.""
How do I prove auto insurance to MN DMV?
My license is revoked and I need to prove to the state of Minnesota that I am insurable. I do not have a vehicle to insure right now, and don't understand why it would be necessary to get insurance for any period of time since I don't have a vehicle, but it is mandated by the state that I prove I have insurance. All the insurance companies I have talked to say that I need to have insurance for a year or the state will take my license again. Is there a way around this or is there an easier way to prove I am insurable without having to pay $1200 for a year of insurance when I don't even have a car?""
Is it cheaper to add a car to my insurance or get a new incurance for the 2nd car?
I have a 1989 trans-am it is modified and i was wondering if it would be cheaper to add it to my insurance company or get a second insurance company just for that car. Andy help???
Would someone's car insurance cover....?
a banana (yes dont ask) being flung into the grill of the car, being sucked into the engine and other parts and causing damages worth about 15-17 grand? a friend threw a banana at a guys car and it did as described and im praying that the guy's insurance would cover it so that he gets off with a manageable fine. if he cant pay the guy, hell end up doing time which i really dont want to see him do. :( pleae HELP this is a serious question unfortunately :(""
Which Term Life Insurance Company to Choose and what term is best?
For a 48 year old lady. Agent is pushing North Western. Looked at some data. NW is rated okay. But their mortality margin is lowest at 14.09% in comparison to AIG's 73.07%. Huge difference. NW pays highest dividend to policy owners. Last 5 years average was $4791/year as against $1000 for AIG or MetLife. In general which company is better? Which is lowest in cost? What term? 20 or 30 years? I can always reduce the amount insured and extend the period. Thanks in advance for your answers.
If a 16 yr old totals her new kind of expensive car how much will insurance go up?
what if the car was already paid off would that matter
Where can I find a birth control clinic that has the pill for cheap without insurance in orange count?
a place with around 10-20 without insurance thanks
How to get young drivers car insurance down?!... HELP :(?
Hey, Im 19 and passed my test in july. Ive finally saved up enough to buy my first car and im looking at buying something around 1000-2000. Only thing im struggling with now is finding affordable car insurance. The cheapest ive been quoted is 2,500 a year, but im hoping to get it cheaper! Anyone any tips on how to get it down? .. would it work out cheaper if i went on my mums policy when she renews it later this month or would that not make any difference. Arggh this is so stressful!""
How do I lower my insurance as a young driver?
This is becoming rediculous now, I've discovered it's pretty much impossible for me to start driving as car insurance is coming out around 4,000!!!    I've been looking for months on all different cars and the cheapest quote I've had was 1,800 for a Ford Fiesta,    the car itself is 2,000   I know people who have got theirs down to under a grand.. I must be doing something wrong surely??
Who has the cheapest motorcycle insurance?
This is going to sound crazy but try to stay with me here. I'm 17 about to be 18 and I live in Michigan. I'm going to be going to college in Lima, Ohio and will be driving back to michigan every couple of weeks. I have a truck that sucks gas so I am going to buy a bike. Either an 98'-05' Yamaha YZF R6 or R1 I haven't decided yet. I was wondering who has the cheapest insurance for what I'm doing with the bike. Basically driving it long distance and to class every so often. It will be stored in my apartment down there whenever I'm not driving it. Can anyone help me out. I know I'm a little young for any kind of cheap insurance but maybe there is a company out there that gives breaks to college students? Well anyway the main question is : From your experiences which company has the cheapest motorcycle insurance?""
What is the cost of premium insurance for 2003 pontiac vibe driven by a female only insured driver.?
What is the cost of premium insurance for 2003 pontiac vibe driven by a female only insured driver.?
""If I start paying my car insurance, and then change my name, would my dad find out?""
I'm almost 20 years old, I recently moved back in with my mother and my father gave me a car. As of now my father pays for the insurance, and the car is in his name. He also has a GPS installed in it. I'm going to be moving across the state this year, but will put the car in my name and pay for it's insurance beforehand. I will also finally be changing my name (first and last). I don't want him to know about my name change. Though they are public records, I know, would he be informed in any way by looking at any document to do with my car? Would insurance or anything contact him in any way if I pay for it?""
""I was driving my husbands car, I was not on his insurance yet. A car hit us while sitting at a stop sign?""
I was driving my husbands car, I was not on his insurance yet (married two weeks before). A car hit us while sitting at a stop sign. The at fault driver's insurance company is ...show more""
Another car insurance question to British drivers!?
My brother's car was written off yesterday [was the other party's fault]. He was told today the car wasn't redeemable so that's that! So he is waiting to see how much they are going to pay him for the loss, but the question is does he have to keep paying full comprehensive insurance when he no longer has a car to drive? Can he now pay a reduced rate until the insurance is sorted out? It seems unfair to continue paying out for fully comp insurance when there is no car to insure!""
The supposed 40million that don't have Health insurance..how many?
How many don't have it because they don't care to have it? How many don't have it because they can not find an affordable insurance plan? How many in this 40million number are not legal citizens? How and who came up with this number?
""Annuities and life insurance, please help?""
I am 35 yrs old and I recently purchased Index Universal Life insurance for the tax free money, guarantee return flat rate, and protection from market loss. I also have $100k in my 401k and my insurance agent suggest I rollover to an index annuity to get the best maximum return. I will get a 10% bonus and both the interest and 10% bonus will be compounded for next 30 yrs. If I withdraw at age 55 at 4%, my yearly index return rate is $9.261. I can see for the first 11 years, the annuity company is giving back my original amount. If I live through age 86, I would have withdraw total amount $185,200. Everyone keeps telling me life insurance is a bad investment because of fees and the agent is trying to get a big commission off me. After running and looking at the numbers, it seems annuities and life insurance are the best savings program. Is there something else about the numbers quoted I should be aware of?""
Car insurance 16 year old lower?
If i am 16 and I have heard this from a lot of people but if I have a 4.0 GPA at school which is the highest possible, will that help lower my car insurance cost to an AFFORDABLE COST?? What other ways can I get around to paying less than average teens car insurance. Thank you please no personal theories.""
Where to get cheap insurance for 50cc geared moped?
trying to find a insurance broker that does good deals for 16 year old drivers. trying to insure a 2003 DERBI GP 50. cheapest deal iv found so far is 370 pounds. anyone know a good insurance company that can do cheaper. thanks in advance
What is the best health insurance in NY?
In the boroughs...NOT most affordable best... JUST the best, anywhere accepts.""
What is the purpose of uninsured motors insurance ?
What is the purpose of uninsured motors insurance ?
Camaro 69 Car Insurance...?
Ah... I just wanted to know, or get a general idea of how much car insurance would a 16 year old male pay monthly for a 69' Chevy Camaro. I am looking to get a vehicle sometime this year and wanted to know...because if the insurance would be too high, guess I will not get one then... thank you... just need a general idea...car insurance... -Chevy Camaro, muscle car, american dream...-""
Health insurance internationally?
im traveling to france and i need to know if my health insurance will still be valid there. if i have to go to the hospital will they accept my american insurance card? i have aetna insurance.
Would it be cheaper to put my name on my parents insurance ?
would it be cheaper to put my name as an additional driver instead of my own as i got the cheapest quote as 3000 euros for my own policy would it be cheaper to put my name as an additional driver on theres? my parents have 25-28 years experience with no claims ?
If I put a 1 million dollar life insurance policy on myself then I pay for 3 months then get hit by a car?
Alright so if I get hit by a car after 3 months of having life insurance and I die does my beneficiary get the 1 million?Or will that person only get how much I have payed with the payments?
Shipping insurance? ?
I am selling my ipod on ebay. It will probably sell around $175-$200. I want to offer shipping insurance. How much should I say it is? Is there an actual percent?
How do i fight GAP insurance?
hello.... so i purchased a vehicle in 2006..... didn't like it too much so i took it back to dealership and traded it for a different vehicle and bought full warranty on it. dealership said the warranty was good for 50000 miles or 4 years. the vehicle was totaled just recently and i owed about 7500 dollars on it. my insurance paid 6100 dollars for it and i was thinking ok no problem the gap will cover the rest , but the gap insurance is only paying 212 dollars on it. they said there was some left over loan on my old car which they will not cover... i don't know much this insurance crap but its really breaking my balls that i will have to paying almost a 1000 dollars out of my own pocket. is there any i can fight gap insurance and have them pay the entire left over loan??""
How much is the average Business Owner's Policy?
I am specifically interested in what the BOP costs would be for a bar in Georgia.
Can a person with fully comp insurance drive an uninsured car?
Can a person with fully comp insurance drive an uninsured car? I have cancelled my insurance on my car as MOT is over. It's in a garage so don't matter. But if My father takes it to the MOT place can he drive it with his fully comp insurance he has on his car?
How much does car insurance cost if you're under 21?
Hi. I'm 20, female, turning 21 late next month and my mom is planning to ship her 1998 mercedes benz sedan to me (in NC) from california early next month. I went to a driving school when I was 17 and I have been driving ever since. I also do have a clean record. If I would want to have a full coverage, how much do you think will it be per month? And also, since I am turning 21 in a couple of weeks after the car itself arrives here, do you think it will cost me less? Thanks.""
What is the cheapest car insurance company ?
The only way i can get a inexpensive sports car is to find my dad a better insurance company.
Can A 17 Year Old Get Insured On A Japanese Sports Car ?
Basically wanting to get insurance on a japanese sports car ?? Would they allow it and how much would it cost ??
I have just be ripped of by my car insurance help?
Hi 2 days ago I had a bill for my car insurance and it was 158 pounds. I have a car and on this insurance for over 2 years now and I was paying 48 pounds a month. I called then up about this and they said because of a crash I had 6 months ago they have put my car insurance up from 600 pounds to 1600 pounds I did not know nothing about this untill they took my money out. Will I get this money back and is this wrong how much they are charging me now for just having a claim on me please help me and let me know what I can do thanks
Insurance website says differnt car?
Ive been looking at cars on eBay and looking how much insurance would be for them and I found one car, but when I put the number plate in the insurance website it says that the car is a different make all together. Is this just a glitch in the system or something illegal and I should stear clear of?""
Need cheap no-name insurance companies for motorcycle insurance?
Well, i live in Florida where motorcycle insurance is not required at all. But I need comprehensive insurance at least (and maybe liability too) so that I wont have to cry over a stolen bike after a week of purchase. I'm buying this bike in cash (2008 ninja 250R) and still big insurance companies like progressive and geico will charge me a thousand bucks a year for liability and comprehensive coverages alone. So, I need to know the names of some small insurance companies who wont use their big and flashy names to jack up their prices. please help. I dont wanna pay 1000 bucks a year for a 3500 dollar bike. Thanks.""
How do I lower my insurance as a young driver?
This is becoming rediculous now, I've discovered it's pretty much impossible for me to start driving as car insurance is coming out around 4,000!!!    I've been looking for months on all different cars and the cheapest quote I've had was 1,800 for a Ford Fiesta,    the car itself is 2,000   I know people who have got theirs down to under a grand.. I must be doing something wrong surely??
How could higher deposit insurance premiums for banks with riskier assets benefit the economy?
How could higher deposit insurance premiums for banks with riskier assets benefit the economy?
Average Car insurance cost?
Im an 18yr old female living in Wyoming. I have a clean driving record and drive a 1990 honda accord. Does anybody have an idea on how much car insurance would cost me
What type of insurance i need for a driving test does it have to be a full coverage?
do i need to bring a vehicle with full coverage insurance or could my car that only has a cheap insurance plan work for the DMV's driving test
Does Car insurance increase for adding spouse as Non-driver?
I have been added to my Dh policy for Car insurance as Non-driver. I dnt know driver. Does it increase the insurance rate? suggestions please
How much does motorcycle insurance cost in California? I'm 20 years old and thinking of getting a bike.?
I'm thinking of getting a Yamaha R6. Still don't know what year? Anyone got any tips of what year i should get?
Finding taxi insurance and licensing in Florida.?
I'm trying to find an insurance provider for my taxi in Pinellas County, Florida and can't seem to find anyone who provides insurance to taxis. I'm also trying to find out where to go for licensing and what type of licenses i need. Does anyone out there have any information that may help?""
Should I keep my insurance while lending my car?
I will be out of the country for 6 months and would like my friend to borrow my car. She is a licensed driver and stay at home mom. I called my insurance company and they said adding her to my policy would be no extra cost to me. However she told me that since she and her husband already own a car, it would just cost $20 for them to add the car to their insurance policy and I could just cancel my policy while I am out of country. But she is not on the title. So is she right? What should I do? Thanks!""
Is insurance higher on certain cars?
Is insurance higher on certain cars like 2doors and red cars
""How much would it be if got allstate insurance for a new 2009 nissan altima. im 20yrs old, live with my parets?
my parents have allstate. this is my first car under my name.
Which car would be cheaper for me to insure?
Would it be cheap for me to insure myself on my mum's insurance (her being the main driver) on a renault megane 1.5 or to buy my own car and insure it (Vauxhall corsa 1.2)? Thanks
I was speeding....what happens to my insurance rates?
I was going 65 in a 50 zone, at around 8 on new years day up near ocean city delaware. I had just been at my girlfriends bayhouse, so obvioiusly i was in a good mood,and there was nobody out on a highway. Then WHAM red and blue. It wasnt excessive speed or anything,so i assumed that i had a tailight out, but then he gave me a ticket. now what happens to my insurace? do i get points on my provisional license?do they revoke it?""
Can you put two cars on two different insurance companies?
If i have two cars, can i put one on Geico and one on state farm. I'm having very bad experience with State farm and i'm thinking of switching with one car at at time. Is it possible to have the two cars in my household on two different insurance company eventhough both cars are in my name?""
""High deductible, low premium?""
hello, can someone please explain insurance terminology? what does high deductible mean? who should get this and who SHOULDN'T? i am trying to help my parents by purchasing ...show more""
Car insurance rates sports vs regular?
ok i've never owned a car before, im 19 and i've been insured on my parents 3 cars since i was 16, 1 being a 2005 mazda rx8. perfect driving record, no tickets, no fenders. they're going to buy me a car now, and i'm trying to get them to just give me the mazda because they want to sell it any way. They say the insurance rates would be too high. So they want me to get a shitty honda or something (which would be like the same price they would be selling this beautiful mazda for because it has 40k miles on it) So what would be the difference per month i would be paying in insurance if i were to take the mazda (which i guess is defined as a sports car) vs if i were to buy a shitty car that isn't a sports car""
I am looking for car insurance for my 23 year old Ford Fiesta. A lot of companies wont quote.?
I am 54yrs old my car is 23yrs old but it only has 46000 miles on the clock.
First traffic violation. How much will it affect my insurance?
So today I got my first traffic violation after 9 years of driving. I am 25 and have been driving since I was 16. I stopped to far in a stop sign and passed the line. How much will the ticket cost? I live in CA. How badly will this affect my auto insurance? Right now I pay $150 every 6 months for liablity coverage.
Will simply getting an STI test raise insurance rates?
I was wondering if any doctors or insurance professionals know as fact if insurance rates will increase if someone goes to their primary care physician to get an STI screening, even if they test negative for everything.""
""Forgot to renew my car insurance, is my no claims bonus affected?
My insurance was due on 15th October but because km away at uni and the car is at home I completely forgot to renew it until today. If I decide to renew it now are there any consequences for paying it late? I would declare sorn but I don't know how it works and When I go home for christmas I do want to be able to drive. I've got 3 years no claims and my insurance has gone down a lot since I started to drive so will I lose it?
Tail lights and coop's young driver insurance?
I live in the UK and have been getting decent quotes from cooperatives young driver insurance However if I tick a box on the online quote saying that I have modified the car from the manufacturers specification (but does not let me say what it is that I have changed, ie the taillights) it will not give me a quote. Should I contact them about this or will it be ok to say that I have not modified the car and if I were to have an accident which would damage the tail lights that they would only replace them with manufacture tail lights?""
Car Insurance Laws in Arizona?
Is it illegal to drive without car insurance? I have insurance on my car, it is just a pain because it's so expensive and a waste of my money. My friend told me the state requires it and you could e put in jail if you do not have insurance, and I know illegal immigrants that do not have insurance that drive get away with this **** everyday.""
Sports car vs. compact SUV insurance?
I currently have a 2007 Pontiac G5, classified as sports car according to my insurance broker and pay quite a bit because I am young. I'm considering buy a 2008 compact SUV Kia Sportage, would insurance be higher or stay about the same?""
What kind of Insurance should we have when doing a Re Fi Loan?
I am looking over the paper work and one form mentions that we have options at time of closing for different types of insurance. We have Home Owners Insurance/ I noticed disability and mortgage and Life help please
Insurance question??
Could i have a vehicle put in my name (because i make the payments).And the insurance in my girlfriends name (because its cheaper) in the state of ky?
Infiniti g37????????
I'm 19 and I'm getting an used 2007 Infiniti for $12000 yayy ive been driving for a year with no tickets or anything! how much would my insurance cost? I live by myself in Virginia far away from parents just with my gf so don't even rely on my parents..
Can someone with a DWI that is 5 years old get non-owners insurance and legally drive someone's car?
Or better yet, if they get their own insurance in the state of NC male, 28, employeed part time get a insurance that is not at a high rate even with the DWI?""
How do I lower my insurance as a young driver?
This is becoming rediculous now, I've discovered it's pretty much impossible for me to start driving as car insurance is coming out around 4,000!!!    I've been looking for months on all different cars and the cheapest quote I've had was 1,800 for a Ford Fiesta,    the car itself is 2,000   I know people who have got theirs down to under a grand.. I must be doing something wrong surely??
How am I supposed to afford car insurance?
I'm driving uninsured right now because for me to get car insurance is $900 every six months. That would crush me financially right now. Between rent and gas, and what little Starbucks pretends to pay me, not to mention food (and sometimes that's one meal a day, and even then it may be stealing expired sandwiches and pastries from the garbage can at Starbucks). So, it's utterly naive of the government to think of driving as a luxury , when in reality- when you have to travel 20 miles a day to get to work at Starbucks- walking is unrealistic. The bus routes do not go by there, by the way. How the hell do they expect a 24-year old man to afford car insurance, when he has to work to earn the money to pay for it, and he has to drive to work, and in order to drive he has to drive illegally?! The @#*%ing system is completely screwed up if you ask me. Don't get me started on how the hell I'm supposed to afford gas these days, either.""
If a car looks fast will insurance cost more?
its for a new driver. say they were driving a muscle car with a small block 350 and it also looks fast would insurance in anyway be affected? would an older car cost more insurance because of less safety features?
Motor cycle insurance for an 18 year old using usaa?
How much would insurance be for an 18 year old using USAA? I am going to get a Honda CBR250R for the gas mileage. I live in Southern California in Riverside county. the bike would be my primary transportation and i have a perfect driving record. along with straight A's. please help?
Gender inequality CAR INSURANCE!! why?
Seriously why do guys have to pay more for car insurance compared to women? It is unfair. If this was the other way round, all the females will be complaining and protesting. Now obviously women expect men to bend over backwards for there so called 'rights'. Right i now most of the women who use yahoo answer come back will be 'Men cause more accidents'. Well in fact men do not proportionately cause more accidents, men have more accidents, but men drive proportionately far more than women at a given time 79% of of all cars being driven are by males, 71% of all accidents are by males. Same goes with young males (17-22), they tend to be the first to want to embrace there rights when they turn 17 to be able to drive an automobile. You could clearly use your imagination and see that the stats are true. In a traditional nuclear family who drives mostly? obviously the husband (male). How would women feel like if they lost the right to equal pay.. because of statistics that they tend to take more days off due to things like maternity leave.""
""Anyone one use best for life dental insurance,are they any good?""
Anyone one use best for life dental insurance,are they any good?""
Suggestions on how to lower my car insurance?
I drive a 1.8 TurboDiesel Ford Escort from 1995, worth about 500-750. I'm looking to renew my car insurance and the best quote I can get from price comparison sites and Direct Line is over 650! This is at the age now of 27 having driven for 3 years without tickets, accidents or claims. On my 1st year I paid under 400 for insurance. I know insurance is going up but this is excessive - anyone have suggestions on ways to knock this down other than ringing them all up, or other insurers not on the comparison sites?""
How much is my car payment and insurance?
Hey, everyone else is asking the same 2 stupid questions, now it's my turn!""
How do insurance companies determine pain and suffering if the person's insurance covers medical bill in full?
On 02/14/12, I was at a complete stop on the freeway when the person behind me hit my car and launched me into the person in front of me. My car was totalled and I spent the night in the ER. I have a severe cervical spine strain (severe whiplash), blunt chest trauma, (from hitting the steering wheel), and just all over back pain. They said they were going to pay for pain and suffering, but when I looked it up it said that is typically double the medical bills. However, my medical insurance (Medi-cal), covered it in full. So now how do they determine it? Should I get the bills before the insurance kicked in? And also, I'm not interested in hiring a lawyer, I just want this over and done with so my life can move on.""
How much would it cost for a 20 year old male to get auto insurance?
I have been driving under my parents insurance on and off when I am on school breaks (because I go to college out of state and I don't drive) for 3 years. I have never had any tickets or collisions or anything bad. Roughly, how much will it cost for me to get insurance, and how to I go about getting insurance?""
1999 Camero Insurance Question.....?
Hi, my son is turning 16 and our friend has a camero that his is going to give him a good deal on and I know because its a sports type of car insurance is going to be expensive and he is young...... does anyone have a quote or in the business and has a ballpark number? Thanks""
Who is California Insurance Comany?
MY BOSS WAS IN AN ACCIDENT RECENTLY, WHEN THE INFORMATION WAS EXCHANGED, THE OTHER PARTY WROTE DOWN CALIFORNIA AUTO INSURANCE COMPANY AND A POLICY #, NO PHONE NUMBER, HER NAME, MAKE OF VEHICLE, MODEL AND VIN#. HOW CAN I FIND OUT THE PHONE NUMBER WITH THIS INFO. ONLY?""
Insurance company would not like to insure me a sole proprietorship?
I am a film major, a student and very involved in different projects. I decided to open my own film company a sole proprietorship, meaning I DBA (Do Business As). I am looking for liability insurance for my business for wedding and events. They asked me if I was doing any other type of work currently. My reponse was that yes I am involved in being cameraman for one project and editor for another. I have not signed a contract or getting paid for any of these projects, simply volunteer. They came back stating that if they were to insurance me, I as an invidividual would no longer be able to be part of any project or post anything of my personal stuff on youtube. I understand that they are trying to protect themselves and that they are insuring me personally I guess since its a DBA. Has anyone else come upon this problem? I see many videographer put their stuff up on vimeo, youtube etc.""
How much would it cost to insure a 2002-2006 Subaru Impreza WRX for a 18 year old?
Just wondering, I'm looking into buying another car after I graduate High School. and I was wondering how much insurance cost per month to own a WRX between those years. For someone who has just graduated and turned 18.""
17 / 18 year old (male) car insurance (UK only)?
Hi, I am 17 (male) and haven't took my test yet but hopefully will be soon. Can anyone tell me what they have paid for insurance recently so i can get the heads up on what car's to be looking out for and insurers to get quotes from. I have tried moneysupermarket.com and they just chuck out really high quotes 6000+ whatever car you put in. So, if any 17/ 18 year old boys have recently got a quote can you tell me how much the insurance was, who insured it and what the car is? Thanks.""
Are VW Polos quite cheap to insure?
I'm looking for my first car, and I know which cars are cheap to insure, but was wondering whether VW polos are cheap to insure, as I seem to be getting quotes ovr 2000 for majority of the cars I'm browsing. I know that polo's are fairly cheap and reliable and I love them :) Thanks.""
""When Shopping Around for Auto Insurance, Is Price Most Important?""
The Wall Street Journal published an article a few weeks ago discussing how rate shopping for auto insurance can payoff. You can review the article here: http://online.wsj.com/article/SB10001424052748703298004574457002796003522.html Some of the tips include: 1. Be aware of your financial behavior 2. Understand what discounts you qualify for 3. Price matters, but service does also Does the cost of auto insurance outweigh all other factors? Were you aware of what insurance companies are looking at to determine costs? How does quality of service factor into your final decision? Full disclosure: As is mentioned in my Yahoo profile, I am here as a representative of State Farm. Our goal is to help people become better educated about how to evaluate insurance needs.""
""According to the Hillary healthcare proposal, Individuals will be required to get and keep insurance in a
system where insurance is affordable and accesible. Is this a good idea? Why or why not?
Cheapest car insurance in uk?
Cheapest car insurance in uk?
What happens to my insurance after i got a speeding ticket?
I got a speeding ticket for the first time ever. The cop put me down as 80+ mph, which i needed to go 70mph. When my insurance bill comes in, would my insurance be higher? Also my insurance is AAA. I still haven't gotten my actual ticket in the mail yet, and i was wondering if my insurance bill would be any higher until I'm proven guilty, because i know that if i can take traffic school, it won't get any higher & the point taken off. But i was wondering until then, would it still get higher?""
I'm driving uninsured. We can't afford our vehicle insurance. Is it nuts to drive out of town?
Please settle an argument between my husband and I. We drive in our town back and forth to work, and I feel ok with that. I want to rent a car tonight because we have to go to an interview. It's about 2 hours away, down a highway strewn with police. I think it's crazy to try to drive in our vehicle, uninsured. He doesn't want to waste the money on a rental. It's a $5000 fine if we're caught - plus I'd likely lose my job (can't have a police record). How far would you drive uninsured? I don't even like driving in town - but we're a few months away from being able to afford insurance. Opinions please.""
Cheap Insurance (San Antonio)?
can you tell me any cheap auto insurance for a 95 model here in my area. san antonio tx
WHAT COMPANY PROVIDE THE MOST AFFORDABLE CAR INSURANCE?
IM PAYING ABOUT 350 EVERY 6 MONTH I WAS WONDERING IF THERE MIGHT BE MORE AFFORDABLE CAR INSURANCE OUT THERE.
What exactly does car insurance cover?
If I left my car out in the rain with the sunroof and stuff open and my car suffered water damage because of it, would I be screwed? Or would the insurance help pay for the damages or just compensate me for a new car?""
What is the cheapest car to insure for a 17 year old male? 10 points?
I'm getting ridiculous quotes for a Citreon C1 Group E insurance for 7000+ under 1 liter engine size !!! By using compare the market and other comparison sites! Where can I find affordable insurance quotes? My brother was insured on a 06 1.2 Polo for 2,300 and only been driving for 6 months. surely a C1 will be cheaper!! Need help""
Why do men pay higher rates for auto insurance than women.........if women cause more accidents than men?
http://autos.aol.com/article/women-worse-drivers/?icid=maing-grid7%7Cmain5%7Cdl8%7Csec1_lnk1%7C75950
How do I lower my insurance as a young driver?
This is becoming rediculous now, I've discovered it's pretty much impossible for me to start driving as car insurance is coming out around 4,000!!!    I've been looking for months on all different cars and the cheapest quote I've had was 1,800 for a Ford Fiesta,    the car itself is 2,000   I know people who have got theirs down to under a grand.. I must be doing something wrong surely??
https://www.linkedin.com/pulse/home-contents-insurance-alexander-arnold/"
0 notes
Young mens experiences of high insurance premiums?
"Young mens experiences of high insurance premiums?
Im a 18year old male that has a full Uk driving license but I don't have a car because of my insurance being quoted at 2500. Just wondered if any else had similar experiences and is it any wonder lots of young men go around without insurance.
BEST ANSWER:  Try this site where you can compare quotes: : http://howmuchisinsurance.xyz/index.html?src=tumblr 
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I am a 17 year old in california, who just bought a 92 Buick Skylark and I need to no what would be my best bet when it comes to getting insurance, I would like cheap insurance, as ...show more""
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I'm looking into starting a new small business owned by myself and a partner. What are some less expensive business insurance companies out there?
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https://www.linkedin.com/pulse/how-much-would-insurance-porsche-cayenne-diesel-year-sharie-noena"
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minithemoocher · 7 years
Text
To Meditate or To Medicate...
It’s been a while since David or I have sat down to share some thoughts with you - things have been wild since the move to our new unit - but we are here now! July marks our 6th Month at Lochburn Road, it’s insane how quickly the time is going.
July also marks the one year anniversary of me taking medication to help me manage my OCD. I wanted to talk a little about that subject, medication and the weird feelings it invokes in me. When I actively consider the concept of taking a tablet every night, it leaves me with the strange thought that in some way, it represents weakness. I have had this conversation with lots of people in the last year, about the undocumented possible side effect of taking medication; embarrassment, shame and denial.  
I have kind of jumped in head first here, with out much context of what has happened since my previous post about Mental Health so let me spin off some cliff notes and I will loop back round to the above subject...
I found out that I have OCD or Obsessive Compulsive Disorder.
I discovered that OCD takes many forms and the stereotypical hand washing, light switch flipping and cleaning portrayal of OCD is a poor and marginalized representation of the condition.
I have a few different strains of the the bloody thing but the most difficult to deal with is the Intrusive Thinking OCD (sometimes called Pure O).
Intrusive Thinking is one of the more difficult to diagnose given the lack of obvious physical ticks (they are there, you just need to look really closely) It is also commonly misdiagnosed as Generalized Anxiety Disorder, Panic Disorder (yup) and also in my case Health Anxiety.
I have most likely had it all my life (definitely since my late teens) and it has swayed back and forth from various strains.
Read this page for a small over view of the different types of OCD https://www.ocduk.org/types-ocd
I contemplated that I might actually be crazy despite all my nice talking and self reassuring in the months before.
I finally agreed to take medication after a particularly grim reaperish, month long episode.
So that roughly covers it in terms of the diagnosis and I am glad that I have something to work with. It took a good while but we got there (we as in me, Davie, the doc, my family - having multiple personalities is not a symptom).
It’s worth noting my intrusive thoughts & compulsions are around the unknown - vague I know - or you could say a lack of ‘solid evidence’. Read bed bug gate post if you want an example! Another common one for me is the thought that I may, accidentally, have done something terribly wrong and not known it or realized it and the potential repercussions of said terrible thing (that I haven’t done). That kicks off the cycle of the intrusive thought, which becomes the obsession and subsequently the compulsion to try and quell the thought, such as repeatedly asking some one to give their view on a the (bizarre) hypothetical situation and ask for reassurance. I can see why to the untrained eye it looks like someone just worrying and stressing a little. I call it getting stuck in a loop, which can go one for hours, days, weeks, months. It’s no the greatest tbh! And the mad situations I come up with make me question my claim to not being very creative.. So anyway, medication. That’s what I really want to talk about. 2 years ago, when I originally took really unwell and began talking a bit more publicly about it I was all over the place. I was determined that I absolutely would not be taking any tablets, not that there was ever anything wrong with someone else taking them, but I wasn’t going to do it. Don’t get it twisted here - I never had an issue with anyone else taking medication, in fact I actively encouraged those who had made that decision to stick with it, try it and give it a fair shot. It was not that the medication was bad per se but more of the idea that my mental health was not bad enough that I needed it. In other words, for me, denial.
So, I went in pursuit of other means - some work - some don’t! Training, has and will always be the best medicine for me. I’ve covered that off in posts before, but given the nature of OCD and it’s ability to morph quicker than morph himself, I have since discovered that my management programme needs to be able to evolve and change too.
But anyway, my pursuit of holistic and organic management started. I did a lot of research online, sifting through loads of articles, website, blogs and magazines to help me find possible solutions. The obvious one here CBT but I am going to leave that one out just now - it’s not massively relevant to my point, I am talking more of the life style advice stuff that people give. There were some really good, sometimes obvious points; don’t drink, eat well, sleep regularly, exercise, mindfulness, go for a walk, talk to some one etc etc. The list goes on. However, as I researched on and on I started to unearth this concept, from some people’s perspective, that medication is bad, not good, masking the problems and in some case portrayed as being a sign of your inability to deal with your issues.
So I had my plan, no medicine - it’s definitely not an option as it is bad - train, eat well every day, no drinking, sleep 8 hours a night, avoid stressful situations, practice mindfulness, no social media, no TV and avoid conflict. Sorted.... except it’s not very realistic is it. Well for me it ain’t. I am 29 years old, with a family (and some very patient and understanding friends), a wee one to look after and a house and business to run. I also live in a big city in the 21st century. My plan had some challenges. Long story short, it didn’t work. I was fucked (sorry for language but best way for me to accurately describe my state at that time) from being really unwell for a good amount of time at this point. I didn’t have the reserves there to execute my plan. I kept trying, but understandably, given my head space alone, kept failing in my endeavors which in hind sight only added to my issues.  And in to the bargain I had managed to convince myself that medication was absolutely not an option because it was bad - it would mask my problems, not help.  By this point my aforementioned denial was gone, I knew I was in really deep and really really struggling but again nope - no way - I am not taking pills. In the end it got really grim. We will call this the grim-reaperish stage!  I won’t go into the details but suffice to say I am grateful that I made it through that stage for the 2nd time in a year. During the grim reaperish stage, I had no choice but to hand over my care to my family and doctor. I was incapable of making any decisions. So medicine was prescribed and Davie held my hand as I cried taking it. Now for me, it helped me start to turn things around. It took the edge off, i panicked less, I feared things a little less, I wasn’t living in constant state of fear and high alert. It certainly didn’t magically fix my problems nor did it mask them, it just allowed me just a little tiny bit breathing space to help me start to execute my previous management plan. It allowed me to get back training regularly, it allowed me to able to keep some food down and actually have an appetite, it allowed me to not go from 0 to 100 as soon as there was a slight sign of challenge or uncertainty - now I just go to 50. I am taking that as a result.
In essence what I am saying is that medication has helped me a little and that’s ok. Yet sometimes, I still struggle telling people that I take medication every day and for me there is no definitive end date as of yet, we are hoping for next year but who knows. Each day as it comes right. Here is the reason I struggle with this admission; once I read some one else’s opinion that medicine is bad and taking it makes me weaker and it really stuck with me. I was already in denial about the state of mind and this compounded that thought real quick. A rational mind would say ‘ that’s one person’s opinion, you do you’ and they would be right but for me, and for many other’s struggling with that question, the thought process might not be that rational. It’s important to note I also seen people on the flip side, advising that I should me medicating and not bothering with alternative methods of management. It works both ways - the no medication stuck with me because that’s the conformation I was looking for.
So just to be clear, I am not saying that medication is good or bad, nor am I saying that mindfulness and meditation etc is good or bad. What I am saying is that every one person is different, and they already have a hard and laborious task of finding the correct solution for them so if you are issuing out advice, please do so with caution and compassion. Medicine, holistic or pharmaceutical, as treatment is such a controversial subject across many illnesses, I think it’s only fair that the recipient of your opinion has one, asked for it and two, that it is caveat-ed with the fact that is this is your opinion (based on referenced facts if required) and they should make try to make an informed choice of their own.
Information sharing is great for Mental Health issues, and it is something I have actively encouraged in my previous posts, but I suppose the important bit I missed was please do so with a heightened sense of awareness of how someone may react. Please don’t shame someone for taking a more holistic approach or for choosing a medicine based approach. Usually these types of comments come from a place of love and concern, but it’s maybe how we do it that matters. Instead of saying ‘do this not that’, maybe suggest putting some time aside to research options together and approach it with an open mind. You might just be the rational voice that someone needs when they can’t think rationally!
Everyone is different, but they all share the common goal of getting better or feeling like themselves again. My OCD will never fully go away, I am stuck with it for life and whilst it may be peaks and troughs, it is always there. What may be a fleeting comment for one person, is likely to stick with me for longer.
So to medicate or to meditate. I have found that a mixture of both is working well for me - ok not so much meditating, more like smashing pads, bags and sparring, sitting in silence in my head can some times be a little over bearing. The point is you do you, be informed, know the risks and be confident in knowing that you are far from weak. My previous posts re the mental health campaign are over on the NewLife Mental Health Blog which davie has hijacked this week. You can see them here: http://www.newlifeglasgow.com/mental-health-campaign-blog
Thanks Jill
Ps. I always say this but it’s kinda part of my OCD - I am not a doctor or medical professional. I am just some random lassie, who kicks and punches for a living and happens to be trying to figure the shit out of my OCD. My posts are are just my experiences.
0 notes
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My coworker told me that I would have to have collision insurance if I want to financed a used or new car. Is this True? Can I just put it on liability even if the car us only 6000 and not payed off yet?
Can i canel my ex-partners car insurance?
A month before we split up my ex but a whole years car insurance on my credit card. Now we are apart, and i have asked her to get a credit to refund as i dont drive and dont have the means to pay for this? Am i being unreasonable, she has said as we were together it is irrelevant, but as i havent paid for it yet and its essentially a pre-payment what should i do? It was made in my name (the payment) so can i simply unmake it?""
What would happen to my dad's insurance?
My friend was driving my car and he has no insurance when we got pulled over. The cop asked for license and registration. My friend gave his license, but he gave my insurance information and my registration information (which is under my dad's). Would we get penalized for it? Would my dad's insurance rate go up?""
Can anyone give me a quote for car insurance on a 2006 Trailblazer??
I'm 22, female, a college student, I've never had any tickets (knock on wood) I wanted to lease the car but I wanted to know what people thought my insurance would be.""
Teens: How much are you paying for your car insurance?
Do your parents make you pay your own car insurance for your car?
What is the average cost of having a tooth pulled?
I may have to have a tooth pulled and maybe a filling. Does anyone know how much this usually costs? I do not have dental insurance. Also, do most offices offer payments or financing? If offered would they have to do a credit check? I do not have good credit?
State farm insurance question?
does anyone know if state farm insurance plans accept Tria Orthepedic Center?
""I am leaving for Mexico, what type of auto insurance do I need and where can i get it?
going to mexico for my birthday. i have a 2004 toyota corola and my insurance provider won't cover me down there...any help would be great
How do I get affordable health insurance for my son?
I was in between jobs last year so I had to put my son on medicaid. As soon as I found a job I let them know but they kicked him off of it anyways. The problem I am having is that my insurance at work don't kick in until November and he has to have insurance by then for doctors appointments, etc. I tried to get MC+ for kids but they make it almost impossible to get. I just was wondering if anyone knew of a place where I can get affordable health insurance for my son?""
Can i use a PO BOX for car insurance mailing address?
When i quoted my car insurance, i used my apartment address. After i bought the insurance, i asked them to change to PO BOX as my mailing address. Later on, when i moved to another apartment, i didn't update my current physical address with my insurance company because i am using my PO BOX as my mailing address so far. My question is if somehow i get a car accident, will the insurance company deny my claim because of not telling them the current physical address? Additional information the past and current of my apartment address are still in the same state, Texas.""
What kind of Life Insurance is out there for the Elderly? 70 years old and up.
I've seen some on TV and for the life of me, I can't remember all of what's out there. So far, there is no life insurance on my husband's mother and he and I are wanting to take out life insurance on her. What kind of life insurance is out there for ppl 70 years and up that does not require a medical background? She has a bad hip, smokes like a turned over train, and she hasn't had a physical in aprox. 15-20 years. And she has no assets of any kind to help with expenses if she should pass unexpectantly. This is why my husband and I feel that it is important that we take out Life Insurance on her. Thank you for your help. :-)""
Will this make my car insurance rates go up?
On Sunday, I was at Home Depot. I came out of the store to discover some ****** hit my car with a metal shopping car, leaving orange paint down the side and a good sized dent. Two witnesses came up to me and gave me a description of the car and the license plate number. I don't want to pay a deductible, I want this jerk to pay for it. If I call my insurance and tell them about it, will my rates go up? How else can I get this guys information to take him to small claims court?""
How much would a 17 yr old pay for car insurance? 10 points in 24 hrs!?
I may be getting a 2011/2012 KIA Optima Hybrid. It will be probably be a light color maybe greysish blue. (if that matters, i heard it does). I live in New Jersey and I want to pay ...show more""
How good is the Insurance Business in Florida or Texas?
Hello dear people...I'm an Insurance Agent-Broker who would like to open an office in either of those states, can anybody please tell me how businesses are doing right now there?. I'd like to stay where I live in California, but it is crowded here, plus I'd like to start a new life...your inputs will be highly appreciated....""
About how much would the average insurance run for a 17 year old male driving a sports car it is a mustang?
About how much would the average insurance run for a 17 year old male driving a sports car it is a mustang?
AUTO INSURANCE FOR YOUNG DRIVERS?
I've been driving since about last summer, and i've tried looking for some auto insurance inexpensive something i can afford, no luck so far, i heard there is a government sponsored insurance that can help people out so they wont be driving around without insurance? is this true? or does anyone know cheap auto insurance, im a good driver its just check points really scare me when im out during the weekends. thanks!""
Is motorcycle insurance expensive in southern california for an 18 year old male?
i want to drive a motorcycle, but if the insurance is too expensive, then ill refrain from it. How much is it for a male, 18 years?""
Why do boys pay more for car insurance than girls?
Charging more to one gender because they overall drive worse is sexism. It's the same thing as charging one ethnicity more because of their overall average and that's racism. P.S. On I what I have noticed, females tend to be worse drivers than males (sorry).""
Is car insurance mandatory in the United States?
My friend told me that in some States, you don't need car insurance. Is this true or do you have to have it before driving your car?""
Does car insurance cost change depending on the area you live in?
I went to college and I would really like my car. However, my parents say that the car insurance would increase because of where my school is located. Is this true?""
How much is the average car insurance in southwest VA?
Im 20 years old. Im moving somewhere in the southwest va area within the next month and was wondering how much the average car insurance will be
How much does health insurance cost?
I just got a new job and I am about to enroll in medical coverage. I'm a healthy 29 year old male and I'm going to include my wife as a dependent. I know there are a few different plans, depending on deductible, etc, but I just want to get a ballpark figure on how much will be deducted from my checks. My wife suggests it will be about $150 a month, or about $75 per check.. Does this sound right??""
Do I need life insurance for my baby?
I am about to have a baby, and see lots of ads for the Gerber Life Insurance for children, but don't know if I need it. The price seems to be less than what I would have to pay at my job. Is this something I need?""
Insurance cost for jeep liberty?
I was thinking about getting a 2005-06 jeep liberty CRD (diesel) as my first vehicle, but wondering what insurance would cost. I'm 24 years old, male and live in a small town just north of Toronto and with only a G2 license.""
What is some cheap car insurance companies?
hey so i'm 18 & i'm looking to insure my car again after letting my brother have ago and he crashed it without being insured, i've been to court & i got a 6 week ban & a fine but im starting to look for insurance 7 i was wondering if anyone knew of any cheap ones to try? cheers""
""I'm pregnant, without insurance, and desperate, HELP!?""
Just this Monday I found out I was pregnant. Two Clear Blue PREGNANT's, and I was bawling in the Target bathroom. I all ready have two children, both of which are on ALL Kids because my husband didn't want to keep our health insurance last year due to the rising costs (like, it kept going up $100/year, and towards the end, we were paying $500/month). So now I'm pregnant, no health insurance, and pretty much stressing out over it. I will apply for SOBRA Medicaid (something I found on Alabama's Department of Health site) after my doctor's appointment next Wednesday, but if they don't accept me, then I don't know what else to do. Giving my baby away is not an option, neither is abortion. I will love this baby no matter what happens. I just need some reassurance or something to keep myself from stressing out and crying all the time over worrying about money. I totally got screwed over by something called Direct Med and will be calling them tomorrow to try to get my money back. I did that out of desperation and plain stupidity. A little help, please?""
Will I get the money from my life insurance back?
I have had life insurance for a year now, which gives me a discount on my car insurance. When I am 21, my car insurance rates may go down and I may not need the life insurance discount from State Farm any more. Will I get the money that I have put into the life insurance back?""
Why do companies that claim to offer them the best insurance quotes sell leads?
I was shopping around for insurance quotes on my home and cars. Many of the websites that I came across claimed to offer the best quotes from different companies thereby getting me the best price. I started filling out a few forms and, for once, I decided to read the fine print ( you know that small font form we all click agree on). Basically what I found was that the company used 4 agencies that paid them to contact me. What the site was trying to advertise to me was that i would have he best possible quote in the world without having to call up the many insurance agencies around me individually. In reality the fine print ( which in the case of the Internet can be 25 clicks hidden) states that they offer quotes from companies that pay them. Why not state that the information I'm giving them is a lead and that people that get it pay for my information and those that don't do not get it. What about some insurance company that can't afford to pay for my information but can offer me cheaper insurance than those that do pay hat site? I wouldn't be so ticked off if these sites simply stated that they sell our information. Rather than try to make it seem as they find you the best price. False advertising is a cancer. http://www.4freequotes.com/web2000/agents/ http://www.netquote.com/about/media-kit.aspx http://www.netquote.com/affiliate/ http://www.2insure4less.com/insurance-leads http://adrianasinsurance.com/about_adrianas/terms/ Go to any free quote webite and read their privacy policy and the page that's made for affiliates/agents, you will clearly see how your information is sold.""
Becoming an insurance agent?
I just about have my real estate sales and loan licenses. If I got an insurance agent license could I sell homeowners and renters insurance to people who buy and rent through me? Is there some kind of rule prohibiting this, is it a conflict of interest?""
Health Insurance for Low Income?
We are looking for an affordable health insurance plan. I'm 39 and my husband is 45 living in San Francisco. Healthy and never had injuries or big illness. We used to have a kaiser plan around $600/m and $25 for every visit. Any better deals?
How much to insure a Lamborghini Diablo?
If someone who was 17 years old in 1996 (and a millionaire, so money no object) bought a Lamborghini Diablo, how difficult would it have been to get insurance (in the UK), and roughly how much would it cost? It's research for a book I'm writing, so I need to try and get the facts right - I tried doing Google searches, but just got lists of insurers offering insurance quotes, but they won't quote for fictional characters and non-existent cars! Maximum points for as much detail as possible on supercar ownership in general, and insurance details particularly.""
What is the average cost of having a tooth pulled?
I may have to have a tooth pulled and maybe a filling. Does anyone know how much this usually costs? I do not have dental insurance. Also, do most offices offer payments or financing? If offered would they have to do a credit check? I do not have good credit?
I'm 17 and have car insurance that i have to pay 240 every month. I live in philadelphia is there cheaper ones?
i got a 2000 ford taurus and my mom bought insurance since she doesn't have a car herself we had to get my own insurance plan and now we have to pay 240 every month because of my age..i need to know of any cheaper insurance for myself. plz and thank you.
What is the best and cheapest company for motorcycle insurance?
I am a rider with 10 years of driving experience but my license lapsed and I was forced to start over as a new driver (M1 graduated liecense). I'm married, in my 30's, I drive a 1999 Yamaha YZF R-6 and have never made any claims.""
Will I be able to buy car insurance?Thanks?
Im 19 and I was on my dads Metropolitan insurance company. I had 2004 Honda Civic but my dad had the car title in his name. I crashed my car and I was at fault so now we're waiting for the case to settle. My dad wants to wait for the case to settle before I buy another car. The case might take another year or more before its settled. I would like to buy my own insurance and my own car. How will the insurance work out or whats the cheapest insurance? Thanks
When does health insurance expire when you move out of state?
Suppose you have health insurance in New York, and you plan to move to California. Before the actual move, you drive a vehicle across country, get a California license, register your vehicle, and register to vote. Then you fly back to New York for four months. You go to the doctor, and your NY insurance pays up. But then you get a letter from the insurance company, sent to the CA address but forwarded to NY, saying they heard you'd moved, so your insurance will be cancelled. You write back, telling them their information is premature, and that you'll change insurance when you complete the move. After four months, you complete the move to CA, and two days after your arrival, you start feeling woozy -- feverish with occasional headaches -- requiring bed rest and lots of fluids. If this doesn't clear up in a day or two, you'll want to see a doctor. Will you be covered by the NY insurance, given that you haven't had time yet to get CA insurance?""
Car insurance and change of address?
I rent a room in a flat near my university, which is only 10 minutes away, but my car licence is registered on my old address. I've been living in this address for over a year, but coming back on holidays to my parents home (25 miles away). I have no proof of this address as everything is still registered on my parents home. I am trying to get insurance and i want to put the address of the place i live in now (comes cheaper), but like i said, my car licence is registered elsewhere. Should i inform DVLA of address change? i've been reading on google for the past hour that it is illegal to be registered on a different adddress than it says on insurance/car licence. As in, both have to be the same, but if police stops me, would they fine me or something? Thanks in advance and sorry about my English, not a first language.""
How much would insurance be for a Corsa C 1.2 SXI?
I am 17 just got my licence and want to know how much on average would it cost ?
""Someone else got a speeding ticket in my car, does my insurance rates go up?""
My fianc was driving my car when we were coming home from dinner, he was doing about 17 over I believe and got a ticket, however he's a permit driver.. The car is mine and is insured and registered in my name, I gave my license and registration to the cop when he took my fianc permit, the ticket only had his info on it, my plate number and the date my registration expires. No other information of mine is on there. He didn't ask to see my insurance card. So question is, are my rates going to go up because my fianc was driving and caught speeding?""
Looking to buy insurance?
I am a small business owner. My business right now is very small, but we are looking to expand quite soon. We are a livery cab service and looking to get insurance quotes. We are located in Queens and would prefer to deal with Queens Brokerages. Please help!""
Can Drivers under 18 without a car drive with their parents insurance?
I just got my drivers license and I don't have a car. Im not 18, and i don't think i will be driving enough to have to need a car, or to pay insurance every month. But if ever ...show more""
I just got pulled over for not having my seat buckle on and I'm wondering how much my insurance will go up?
This is the first time I've EVER been pulled over and I've had my license for a little over a year now. I get good grades and all that stuff so my insurance is pretty low for the average person right now. I'm wondering how much my insurance will go up? SOMEONE HELP! Kinda freaking out here. :p
How much lesser is car insurance every 6 months ?
I pay car insurance every month. ON AVERAGE do you think I would pay less every 6 months?
List the 5 conditions that must be met by populations to insure stability (no evolution).?
List the 5 conditions that must be met by populations to insure stability (no evolution).?
I was rear ended a few months back and had no insurance?
Me and my wife and a friend were driving in california and we were rear ended we pulled over and so did the other people. I looked at our car and there was no visible damage. i took pictures to show. and the guy who hit us had major front end damage he just wanted to drive away and get no information but we took his info so he asked for ours. four months later i get a letter from the dmv saying he is coming after me for insurance to pay him for the damages . i am assuming he is lying and said i hit him or something but i have two witnesses who saw everything my wife even had a ****** up neck problem for a while and still does but we didnt want to go to the hospital because of the no insurance thing. i was hired for a job at a dealership but cant get my salesperson license because of this and my license will be suspended next month what do i do to fix this whole mess. and if i can be lucky come out of this with some money because he is lying through his neck to attack me. I had a perfect driving record as well.
How can i get insurance for free during my pregancy? I just found out and i have no insurance?
who can i call to get insurance because im uninsured right now?
Emergency Roadside Assistance(ERA) in my auto insurance policy vs. or do I get AAA?
I was speaking with AAA about auto insurance and she advised me not to get ERA but to buy a AAA membership. Granted, I have to consider the fact that works for AAA, but she said that ERA is bad because if you use it, it counts as a claim and could affect your renewal price or if you switch providers they may use that to charge you more $. ERA costs me about $35/year and AAA is about $65 (although you did get more ). Any thoughts? Is here claim claim something valid? Thanks!""
How much does medical insurance for a newborn cost monthly with a premium?
I just need an average. I'm doing a project for my health class on the costs of having a baby.
Do you have double health insurance coverage?
My wife is starting a new job and she is already on my insurance. We are thinking of having her on two insurance plans (Blue Shield HMO and Blue Cross PPO). We want to do this because we get so many medical bills, despite already having insurance. Will the secondary coverage cover a lot of those? How does that work?""
How much qualifies as full coverage insurance?
How much qualifies as full coverage insurance?
Car insurance?
is it possible to have two inurance policies on one car?im wanting to get insured to drive my brothers car so do i have to be a named driver on his insurance policy or can i have my own?thanks!
Where can I find inexpensive health Insurance for an individual?
Where can I find inexpensive health Insurance for an individual?
Can someone with a DWI that is 5 years old get non-owners insurance and legally drive someone's car?
Or better yet, if they get their own insurance in the state of NC male, 28, employeed part time get a insurance that is not at a high rate even with the DWI?""
Car Insurance questions for quotes?
on insurance websites where they do lots of quotes from different insurers, the question they ask bout your licence is what type is it, ie full or provisional or full or automatic etc and how long have you had your licence. On the norwich union website, it specifies that it wants you to say how long you have held a licence from the time you got your provisional licence. The others dont say whether this is what they are asking or not. Ive had a provisional licence for 18 years, but when I pass my test (hopefully this month) I will then have had a full licences for less than a year. What answer should I give for the question, how long have you held a licence? Its not clear on the websites....""
How much can I expect my insurance to be?
Alright, I'm seventeen, I'm looking at a 1992 Acura Legend L, I'll be on my parents insurance (three other cars: pickup, SUV, and muscle car; no crashes that I know of), I'm a great student (top tenth of my class). I have to contribute my share of the insurance so I was wondering how much that might end up being? Anything else you need to know?""
Auto Insurance average for me?
I've had my temps for about 8mos now, and I'm going Togo to driving school for my license. I'm 17 years old. How much do you think average coverage should be?""
How much does Car Insurance for a teenager cost?
How much is car insurance for a 15 ( starting drivers ed) year old girl if you are only a part time driver, like if you dont own a car you just use your parent' car in Illinois? Like how much is added on to your parents insurance bill? and how much does it cost if you have your own car?""
What is the average cost of having a tooth pulled?
I may have to have a tooth pulled and maybe a filling. Does anyone know how much this usually costs? I do not have dental insurance. Also, do most offices offer payments or financing? If offered would they have to do a credit check? I do not have good credit?
https://www.linkedin.com/pulse/how-much-do-hyundai-coupe-ss-cost-insure-savoie-santa"
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