#i love Z-ONE and his three husbands a NORMAL AMOUNT !!!

[cyberdragoninfinity]

And you said that one of us Would be all alone someday And the truth of it echoed inexhaustibly

[newsies-geek]

Bowery Boy: Javid Fic Part 1

***

Davey felt his heart beat hard in his chest as he heard his parents' words from the other side of the wall.

It was one AM and Davey should have been asleep, but Les had woke up groggily asking for a cup of water, and as the older brother he had no choice but to oblige with a groan. He'd hesitated however as he heard voices coming from the kitchen across the hall, prompting him to flatten himself against the wall to keep from being noticed.

"We can't afford it anymore, Esther..." Mr.Jacobs sighed, "The house is too big for our wallets being this small."

"But we're already down to two bedrooms, darling, how much smaller can we get." Mrs.Jacobs leaned against the dining room table that her husband sat at with a frown.

Mr.Jacobs shook his head, "The cost, not the size...I'm afraid New York expenses just- aren't what they used to be.."

Davey felt his heart drop at what his father was implying, making him grip the wall behind him tighter.

"What are you saying?" Mrs.Jacobs fretted, voicing her son's thoughts.

"We...well, the country side is practically dirt cheap to afford living...the boys could take their working talents and harvest crops there-"

"We don't know the first thing about crop harvesting, Mayer." Mrs.Jacobs furrowed her brow at her husband, moving to sit in a chair across from him, folding her hands on the table.

"And Davey didn't know anything about selling newspapers either, but that boy said he's a natural born- ah what is it? News....z?"

"Newsie, dear." Mrs.Jacobs corrected politely.

Mr.Jacobs nodded, "Exactly. I'm sure they'll do fine in the country, and it'll give my arm time to heal anyhow.."

'That boy...' Davey felt his heart tighten, 'Jack...' ...and, moving out to the country? What a gimmick, right when the other boy had finally decided to stay, Davey would be leaving.

'If you're fadda' had had a union, he'd still have his job-' Wasn't Davey's job enough?

Clearly not, if they couldn't afford rent...but it wasn't like there was a job that paid more-

"Sarah and I could work a double-shift-" Mrs.Jacobs began.

"I'm not making my family work harder for me than they already are- it just isn't fair." Mr.Jacobs rubbed his temple, "We've got a week until the next rent payment is due...it'll be the last one we pay."

Davey felt his hands go to his face. He couldn't leave New York. Not now. Not after everything was finally going his way- They'd won the strike, he had friends, he had Jack!

Jack...

Davey felt his stomach twist with frustration and longing, hating how the other boy made him feel.

He couldn't just stand idly by and watch this happen.

He had to do something-

But first, he had to go get Les some water.

***

"And I-I really don't intend to be rude- I just thought if you had any extra work you needed, I'd be willing to take it." Davey shrugged his shoulders sheepishly as he looked at Medda.

"Honey, I would love to give you work, but it's already being done- it wouldn't be fair to take hours away from others..." Medda sighed with a frown as she looked at the pleading boy before her, sulking against an old set backstage.

"It's alright, I understand, I-"

"Medda!" A shrill voice came from the wings, causing the woman to turn around with a cocked eyebrow.

"Julia just tripped and twisted her ankle, I think she might have stapled a tendon." The blonde girl in a feathered dress fretted to Medda.

"Oh dear, and you girls go on tonight.." Medda felt her heart drop, "Does she have an understudy?"

The blonde shook her head, "No, she was just there to add a bit of kick to it in the back- y-you said it would be so easy to find her an understudy if needed that we didn't need to assign one." The girl shrugged her shoulders forward guiltily, "I'm so sorry, I-"

"Don't you be apologizing, it's not your fault." Medda  put an arm around the girl, "Is Julia alright?"

"They're takin' her to the hospital right now, I thought I should tell you." She nodded solemnly.

"Well, you can't have the Bowery Trio be a Bowery Duo now can we?"

"I, well yes, but how are we going to find someone to-?"

"I just might have an idea." Medda turned to grin at Davey who looked in confusion before muttering a quiet, "Oh no.."

***

Looking at himself in the mirror of the boys' dressing room, empty from not being used for quite some time, he wasn't sure how he felt.

Dread was one emotion- fear was another- but there was a sort of...appreciation, for how he felt in a dress and tights. It had been hell waxing his arms and legs for this, they still stung, but it gave him an almost charming look. His dress was a lovely lavender color with red and white accents. He had to admit, it felt nice to twirl and have the dress twirl with him.

He had makeup on that hid his face well enough- and a matching fan that also hid the majority of his features.

Medda had been right, the movements were easy to pick up- just some leg kicks that Davey found surprisingly easy...and some sauntering that he'd found embarrassingly difficult.

Regardless, he was being paid far more for than than he already had gotten from spending the day selling papers with Jack before leaving early to 'help with dinner'

A knock came from the door, "Five minutes!" Medda called.

"Th-Thank you five!" Davey called before hurriedly looking over his face to make sure everything looked alright. Medda had done the make up and it looked entirely stunning. It had been difficult figuring out where to put Les while this whole ordeal was going on, but they settled for letting him doodle on some blank canvases back stage for Jack to paint later.

Davey shook his shook and took in a deep breath before nodding, "Seize the day." He whispered.

***

Once he was on stage, Davey felt like a million eyes were on him. His fan was currently in front of his face from where he stood up stage. His hair had been curled at the ends and honestly- you would only think he was a guy if you knew it was him.

Honestly- Davey might not have been far off when he said all eyes were on him- because they really were.

His movements took place primarily from sitting on top of a crate in back, kicking his legs up and earning some whistling from the guys in the audience, making him inwardly groan. Not that he didn't want the attention of guys- just, a particular flirtatious cowboy in particular.

Davey was surprised he was able to kick his leg over his head for the finally, feeling as though it might dislocate, but apparently years of running to school, tripping, and doing the same as a Newsie, left his limbs strong and flexible.

He wasn't complaining.

The boy felt...pride...swell up in his chest as he received a booming amount of applause. He fluttered his fan in front of his face as he curtsied before heading back stage and quickly to the boy's dressing room.

This couldn't be that bad, right?

***

He must have been right- because after three nights of the same act, Davey was eating up the applause by the end of it, growing more confident in his movements and adding an extra sway in his hips. Something about his face being hidden...gave him the courage and strife to be out there and do something that he surprisingly enjoyed. He didn’t enjoy the cat-calling, or men trying to find him after the show and never succeeding- after all, they weren’t looking for Davey, they were looking for Lily. Davey hadn’t picked the name but he liked it well enough- he liked Davey better, and Medda had expressed how openly fine she had been with him using Davey, she wouldn’t stop him but she would warn him of how cruel people could be.

Davey took her word of advice and laid low- for as long as he could.

Which was only a matter of until Friday.

It caught him off guard, when he was walking back stage and into the dressing rooms. The look of abject horror on his face when he saw Les simply doodling on a paper on the floor made David almost have a heart attack right then and there.

Les was just as surprised, gaping at Davey in confusion as the boy quickly slipped into the dressing room and slammed the door shut, storming over to his brother with balled up fists at his sides, “What are you doing in here?” Davey was livid but tried to hide it.

“They was painting back stage so- um- I got moved into here- why are you dressed like that?” Les sat up with a cocked head.

Under his foundation, Davey blushed profoundly, wiping a hand over his face and smearing his make-up in the process, “Why is it your business..?” he murmured tiredly, not meaning to be rude to his brother, but not sure he wanted to explain.

“Well, I just wasn’t sure if you were havin’ a midlife crisis or something and- did you steal that from the girl’s dressing room?” Les gasped before grinning, “Davey!”

“I did not!” Davey snapped as he took a damp cloth to his face, rubbing at the makeup with kept-in anger at the situation.

“Why are you all dressed up then?” Les pressed, sitting on the stool beside Davey that faced a mirror with light-bulbs around it, half of them burned out.

“I was performing if you have to know.” Davey mumbled.

It took a few seconds, and you could see thoughts clicking into place as Les came to a conclusion, “Are you performing as a performer? Like the girls? Like with the he girls?”

“With the girls, yes.” Davey sighed as he finished getting his makeup off.

“Why? I-“ Les paused before gasping, “You’re doing this to be around the girls, aren’t you!” He leapt up onto the stool.

Davey furrowed his brow and opened his mouth to object before shaking his head, “Sure.”

“Oh man, wait until Sarah hears-“

Davey slapped a gentle hand over Les’s mouth with a stern glare, “Nobody hears, got it?”

Les pushed Davey’s hand out of the way, “Why not?”

“Because- this isn’t- something that I’d normally do-“ Davey sighed, getting up to go behind the changing curtains and changing back into normal clothes.

“But you are doing it.” Les pointed out, spinning in his chair.

“Still- just- lets drop it, okay? This stays between me and you.” Davey finished putting his regular clothes back on and stepped back out to the other side of the curtain with a sigh, “Ready?”

Les groaned, “Fiiiine.”

Davey gave an appreciative nod to his brother before they exited, leaving Davey to pray that the other would stay true to his word.

[s-k-y-w-a-l-k-e-r]

50 questions you’ve never been asked

thanks to @ilygwilym for tagging me!

what is the colour of your hairbrush? Black!

name a food you never eat? broccoli

are you typically too warm or too cold? more likely to be cold

what were you doing 45 minutes ago? drafting social media posts for the boss

what is your favourite candy bar? Reese’s peanut butter cups (same, @ilygwilym!)

have you ever been to a professional sports event? yes! a lot. I saw Michael Jordan play with the Bulls in 1994, and since then have been to a handful of baseball games (Astros... breaking my heart, don’t @ me), basketball (various teams), women’s soccer (tickets are cheap and we should do everything we can to prove to U.S. Soccer they deserve more money), and of course, football games because I’m a huge Seattle Seahawks fan.

what is the last thing you said out loud? “no, I don’t have time to play,” to my husband, who is on his daily video chat with his coworkers who play games every lunch time. I am working on this survey in between things for work.

what is your favourite ice cream? cookie dough!

what was the last thing you had to drink? currently drinking coffee!

do you like your wallet? yes, because it’s part of my phone case and only holds three cards and Is super slim. i’d recommend it for everyone. mine has fish on it! and sometimes people ask if it’s because I like to fish or something. no. the answer is that I am a pisces.

what was the last thing you ate? salsa verde doritos because obviously i was making healthy choices last night

did you buy any new clothes last weekend? haha no, though I casually looked for sweatpants online

the last sporting event you watched? an Olympic qualifying match for the U.S. Women’s National Team. I saw Pinoe and Morgan and Krieger and all of them, it was AWESOME

what is your favourite flavour of popcorn? butter, I guess. I don’t really enjoy it because it really only takes one bite for me to get a kernel stuck in my teeth and I can’t stand the feeling

who is the last person you sent a text message to? my director at work. she is wonderful and I am not just saying that

ever go camping? definitely!

do you take vitamins? I have them...

do you go to church every sunday? nope, I slid into atheism 15 years ago but still go to church when I visit home because my mom plays the piano for the tiny church I grew up in and I like to sing

do you have a tan? not really. when i’ve had a healthy amount of sun, I get fairly distinct blonde streaks. I only get tan if I sunburn first, which obviously isn’t ideal

do you prefer Chinese food or pizza? P I Z Z A

do you drink your soda with a straw? no mas

what colour socks do you usually wear? I don’t wear a lot of socks in this climate, but my running socks are all gray + blue/purple/pink

do you ever drive above the speed limit? of course

what terrifies you? screwing up so badly that my boss gets politifact-ed (which happened once when we were talking about inequities on Latina Equal Pay Day and I have not recoverd from)

look to your left, what do you see? Airpods

what chore do you hate? cleaning the litter box/taking the trash out (we are equidistant between our complex’s two dumpsters, which is like a 10 minute walk)

what do you think of when you hear an australian accent? hmm. my first major exposure was Steve Irwin... so...? 

what’s your favourite soda? diet coke, i’m just basiiiiic

do you go in a fast food place or just hit the drive-thru? when we’re not social distancing, I always go in. As someone who used to work at a drive-thru at an ice cream shop and at starbucks, I learned to love the pace of the people who walk up. way less likely to be a dick about being in a rush.

who’s the last person you talked to? the hubs

favourite cut of beef? I honestly don’t remember. Probably a new york strip. I eat beef on really rare occasions, and that’s usually in barbecue/brisket form because Texas

last song you listened to? I can’t believe I haven’t listened to music yet today! which means it was the Star Trek: The Next Generation theme song because that’s what I watched last night before bed

last book you read? hmm.. in full? probably A Song of Ice and Fire: A Dance With Dragons

favourite day of the week? Saturday, duh

can you say the alphabet backwards? tebahpla eht (sure, if I think about it)

how do you like you coffee? black

favourite pair of shoes? I don’t really love any of my shoes right now. but my greatest attachment is to my hiking boots.

the time you normally go to bed? midnight, on average

the time you normally get up? normally, it’s 7am but now that i’m working form home, 8:30am

what do you prefer, sunrise or sunsets? sunsets, I’m from New Mexico, after all!

how many blankets on your bed? a duvet and a sheet. don’t need much in houston usually

describe your kitchen plates. this has been a journey for us, but we have practically-indestructible Corelle plates with turquoise, teal, and blue dots and trim around the outside edge

do you have a favourite alcoholic beverage? red, red wiiiiiiiine

do you play cards? yes! the hubs is an obsessive game player. we do a lot of Hearts, Idiot, and Cribbage. I’m best at Cribbage.

what colour is your car? Dark gray

can you change a tire? the one time I was faced with the possibility, some stranger walked up and changed it for us on the side of a small town road in Idaho. also, when I had a crush on a boy in high school, he was obsessed with his jeep and I stopped by his house and he (i’m sure as a joke) asked me to bring over a new tire for him and it was huge and embarrassing

your favourite province? British Columbia!!!!!!!!!!!!11111 but I would probably also like Alberta too, I just haven’t been. wait, are we talking Canada? Australia? Somewhere else? If I had to pick a state, I’d go with New Mexico.

favourite job you’ve ever had? this one. I take photos and write social media posts and make graphics, and I basically made the job myself by showing my boss what I was good at. she was open to it. as a result, I have met famous politicians and been in military helicopters (and even communicated with Chris Evans’ A Starting Point production team). it’s an incredible opportunity.

how did you get your biggest scar? literally all of my scars have something to do with my cat. the biggest one is when I brought her home from college. she saw my dog—a dog she knew!!—as I was carrying her in from the car in my hands, and crawled up my face onto my head, catching my eyelid in her back claw. I had to have ten stitches put in the night before we left for disneyland!! thankfully it sort of blends in with the other natural eyelid creases I already had.

what did you do today that made someone else happy? aw probably not much, yet. it’s early still. but I did make a cute graphic for a Tiger King tweetstorm a bunch of legislators are going to take part in and my director really liked it (we probably won’t take part in the tweetstorm but I drafted just in case)

tagging @aoskirk @thehound @lukeslywalkers @alcors-floating-hat 

[ericgiles]

I've got a defensive responsibility as well as trying to get goals and assists.

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[your-dietician]

From Depressed to Living a Happy Life: Ciera's Story

New Post has been published on https://depression-md.com/from-depressed-to-living-a-happy-life-cieras-story/

From Depressed to Living a Happy Life: Ciera's Story

Comments: 0 | June 13th, 2019

Dr. Hotze and his special guest, Ciera Kizerian, discuss her journey from depression to living a happy life again. After her first child was born, Ciera experienced severe depression and intense self-loathing. Thanks to the staff at Hotze Health & Wellness Center, Ciera is now living a healthy, vibrant, productive life with her husband and 3 children, while helping others through her podcast called Light Through the Dark.

Podcast Transcription:

Stacey: Welcome to Dr. Hotze’s Wellness Revolution. I’m Stacey Bandfield here with Dr. Steven Hotze, founder of the Hotze Health & Wellness Center. As always, you can find our podcasts on hotzehwc.com. That’s H-O-T-Z-E-H-W-C.com.

Stacey: We have a really great inspirational story for you today. One of our guests, Ciera, is going to be talking about how she was pretty much at the very bottom and how she climbed her way back up to the top, and how she is helping other people find their way, as well. Here is Dr. Hotze and Ciera.

Dr. Hotze: Thank you, Stacey, and thank each one of you for joining us today on Dr. Hotze’s Wellness Revolution. You know, I believe that you and everybody needs a doctor and a staff of professionals who can coach you on the path of health and wellness naturally, so that you have a life-changing transforming health experience here at the Hotze Health & Wellness Center. That’s what we offer.

And the reason we do this is because we believe that as you age, you ought to be full of energy. You ought to have vitality in your life and be brimming with enthusiasm, no matter if you’re 30 or 70 or 80. You ought to have those qualities – energy, vitality, and enthusiasm. And so we do that here at the Hotze Health & Wellness Center. We help get you on that path. We coach you onto the path of health and wellness so you could have that life-changing experience, because my philosophy is this: I believe if you’re alive, you ought to feel alive, right? Why be part of the walking-wounded or half-dead? Enjoy life, be full of energy, and that’s what we help you do here at the Hotze Health & Wellness Center.

And I want to give you a great example of that. Most people think, “Well, you know, people don’t really start having problems until they get older and I don’t need to do anything about my problems. I’m young now. I’m 30 or 40 or 50, and I’ll wait until I have some problems.” An once of prevention is worth a pound of cure. That’s an old adage, thousands of years old. An ounce of prevention is worth a pound of cure.

We have with us today a guest of ours who’s been a guest since 2017, Ciera Kizerian. Ciera is a, what, 27-year-old woman?

Ciera Kizerian: How old am I? I’m 28 now.

Dr. Hotze: 8, a young…

Ciera Kizerian: I shouldn’t…

Dr. Hotze: …woman. 28-years-old, came to see us when she was 26. So, Ciera, welcome to the program. Glad to have you…

Ciera Kizerian: Thank you.

Dr. Hotze: …on board here, dear.

Ciera Kizerian: Happy to be here.

Dr. Hotze: Glad to have you here. And you have such a wonderful and remarkable story. Why don’t you start and tell us where you’re from, where you grew up? Where are you from?

Ciera Kizerian: Yeah, I grew up in Dallas, Texas, and…

Dr. Hotze: That’s near Fort Worth, isn’t it?

Ciera Kizerian: Yeah.

Dr. Hotze: I like to tell Dallas people that.

Ciera Kizerian: Yeah.

Dr. Hotze: So you grew up in Dallas. And how did you end up down here in Houston?

Ciera Kizerian: My husband’s work brought us down here a couple of years ago.

Dr. Hotze: Okay. Now did you go off to school? You go to college?

Ciera Kizerian: I did, yeah. My husband and I met at Brigham Young University.

Dr. Hotze: Oh, that’s wonderful.

Ciera Kizerian: Yeah!

Dr. Hotze: I just came back, yesterday, from Salt Lake City.

Ciera Kizerian: Oh, awesome.

Dr. Hotze: Isn’t that great?

Ciera Kizerian: It’s beautiful.

Dr. Hotze: And I went up to…we went and saw the Salt Lake Tabernacle, where the Mormon Tabernacle Choir sang.

Ciera Kizerian: Yes. They are so talented.

Dr. Hotze: Yeah, and that was built in 1868, and it is…man, the acoustics in there are just…

Ciera Kizerian: Incredible.

Dr. Hotze: …phenomenal. And of course, the temple was across the street, and it was wonderful. It was a wonderful time, and Utah’s a…

Ciera Kizerian: Oh…

Dr. Hotze: …beautiful, beautiful state, and all around Salt Lake City, the mountains that are still covered with snow…

Ciera Kizerian: Oh…

Dr. Hotze: It was wonderful.

Ciera Kizerian: Yeah, I love…

Dr. Hotze: And the flowers?

Ciera Kizerian: …Utah.

Dr. Hotze: Oh my goodness. Just incredible. So anyway, you went to Brigham Young, and then what kind of work is your husband in?

Ciera Kizerian: He is an entrepreneur. We call ourselves “serial entrepreneurs.”

Dr. Hotze: Well, what is he doing right now? What kind of work is he doing?

Ciera Kizerian: So we both, actually, are working on a project called “Light Through the Dark,” and it’s to help people that are dealing with anxiety and depression know how to come out of it and get the resources they need to get better. And then also it helps those who are the support system for those struggling to know what to do to help the person, and have it not be damaging, but to be helpful. So we’re building…I don’t know what you’d call it, an effort, right now, to try to help people dealing with that.

Dr. Hotze: That’s wonderful. And this, really, is an outshoot of what happened to you, in your life, and your coming through Hotze Health & Wellness Center. So tell us, you have three children now, right?

Ciera Kizerian: As of one month ago, I have three children, yes.

Dr. Hotze: That’s great. So tell us what your health experience was like growing up. Did you have health problems?

Ciera Kizerian: No. I mean, not any mental health problems at all. I had asthma growing up, but other than that, mentally, I’ve always been described as someone that was optimistic and happy, a go-getter. I definitely ran at a hundred-plus speed every day, and would…

Dr. Hotze: You were a live wire.

Ciera Kizerian: …be myself, yes. Live wire, exactly.

Dr. Hotze: And so when did that change?

Ciera Kizerian: So after my daughter was born in 2014, about six weeks later, I noticed that I just started feeling this oppressive heaviness. I had a really good relationship with my husband, but he said to me, “I literally can’t do anything right around you right now.” And I was like…

Dr. Hotze: Any guy ever felt that way before, huh?

Ciera Kizerian: And that keyed me in of, “Oh, you’re right, something’s off right now.” I was getting really irritable, I was starting to have a lot of brain fog. I just didn’t feel myself. And then I started having all these crazy symptoms and realized that I was developing depression really bad. And this wasn’t something I’d ever experienced beforehand. Again, these…

Dr. Hotze: And then you were how old? It was five years ago, so…

Ciera Kizerian: 24. I was 24.

Dr. Hotze: 24, okay.

Ciera Kizerian: Yeah, and…

Dr. Hotze: So what did you do about it?

Ciera Kizerian: So I went and talked to my OB at six weeks, and they put me on some antidepressants, and they said, “Oh, but it’ll take a while for it to kick in.” So that was a really hard winter. Everything was just so new to me, all these emotions, all these feelings that I never experienced before. And it was just a really, really dark and hard place for me.

It took a while for the medicine to kick in, and then I felt kind of felt up, not totally like I had before, but well enough where I was able to function. And then, a year later, it just flipped a switch, and, when I started my cycle again for the first time after having my daughter, and I hit a low that I didn’t know was possible.

And that’s when I first experienced suicidal ideation, and where I started just feeling like everyone would be better off without me. And really had intense self-loathing, which I had never, ever, ever experienced. And I couldn’t interact with anyone. If I went out, if I went to church, or wherever I was going, it was like I was watching the clock the entire time to be able to just leave, and escape, and go back to my closet where I could just get in that hole and just want to just be done with everything. It was not me at all. And it was very hard, and…

Dr. Hotze: And you were taking medication, antidepressant medication at that time, right?

Ciera Kizerian: Yup. And I saw a psychiatrist, and I got even more medication. They upped it to the highest amount that I could be on for the antidepressants. I got put on antipsychotic medication three times a day, anti-anxiety medication three times a day, and even with that, was still having these battles with…

Dr. Hotze: Does this sound familiar?

Ciera Kizerian: …fighting suicide.

Dr. Hotze: I have heard this story…if I’ve heard it once, I’ve heard it thousands of times. Now, the conventional doctors take an individual like Ciera, and I’m sure they did blood work on you before they started this, and said, “Well, your blood work’s normal,” right?

Ciera Kizerian: Yeah.

Dr. Hotze: “Your blood work’s normal, so you must be depressed.” You are, and they put her on all these antidepressant medications, anti-anxiety medication, antipsychotic medication, and you didn’t get better, and they kept bumping it up.

Ciera Kizerian: Yeah.

Dr. Hotze: Frankly, I just think that’s criminal. And these ought to be banned, and these doctors should be reported to the medical board, and their license should be removed, because they destroy people’s lives. I feel really strongly about this. I’ve seen so many people like Ciera, and we’re not going to talk about what happened.

And this is so simple to resolve. I’ve written books about it. You know, all these psychiatrists ought to read my books, and figure out what to do to help women when they start coming in…and men, too, when they begin to have these sort of problems.

So you ended up having another baby. Were you on antidepressants at the time when you did?

Ciera Kizerian: No, so that’s my miracle baby. I was on all that medication starting in two thousand and…

Dr. Hotze: Fourteen.

Ciera Kizerian: Well, the antidepressants, but then when I saw…that was what the OB put me on.

Dr. Hotze: Right.

Ciera Kizerian: Then the psychiatrist on all the other stuff in…it was three years ago, so 2016. Like, May 2016. So then I came to the Hotze Health & Wellness Center in May 2017, and did the yeast-free diet, and was feeling really good, and started coming off of the…not everything, because I wanted to have another baby, but again, there’s no way I could’ve.

Dr. Hotze: Before you come…I’m looking right here. It’s your first appointment, and we have the reasons for the appointment: “anxiety, panic attacks, low moods. Wants to be able to get off the medication, have another baby, low energy, brain fog, lightheadedness, hoarseness, severe constipation.” These are some classical features that we see in people that have hypothyroidism. Were you having difficulty with weight, too?

Ciera Kizerian: t that point, I was so depressed I just wasn’t eating, really, at all. And so my mother-…

Dr. Hotze: You did…

Ciera Kizerian: …in-law came out just to see me, ’cause she said, “Ciera, you are getting way too thin, and we’re going to lose you.”

Dr. Hotze: But you had problems, then, with brain fog, with poor sleep, and…

Ciera Kizerian: Yeah, I mean, I never had my phone on me. My grandparents were calling my parents and saying, “Can you please tell Ciera to answer her phone? They were getting offended and upset with me, and it was causing family problems ’cause I could never find my phone. And I would leave my wallet and my purse just on the driveway, and I would walk into a room be like, “Why am I here?”

And I hear my grandma telling me that, “Oh, I’m just…I forget my purse everywhere.” I’m like, “Yeah, I’m right there with you, grandma.” Except we have a big age gap, and I shouldn’t be feeling like a grandma in my mid-twenties. Nuts, and…

Dr. Hotze: So you came into the Health & Wellness Center..  How did you find out about us, by the way?

Ciera Kizerian: A friend referred me, and told me. Actually, she told me about it in the fall, but I was just too bad to really help myself, and she then told my husband about six months later, and he’s the one that got the ball…

Dr. Hotze: Encouraged you to get here, right.

Ciera Kizerian: …and helped me come here, yeah.

Dr. Hotze: So when you came in, you saw Dr. Ellsworth, and he put you on the yeast-free eating program, and he put you on some thyroid medication. He also gave you some natural female hormones, progesterone, to help you with your menstrual cycles, because it was obvious that your problems were hormonal, because it happened after childbirth.

This is not uncommon at all. A woman will feel fine, have her first baby, and then all of a sudden they crash, and their hormones don’t kick back in right. Remember, during pregnancy, the hormones that a woman has in her body are made by the placenta, which belongs to the baby. And so, when the baby’s delivered, and the placenta follows, there’s a dramatic fall in the naturally-occurring hormones of pregnancy, and her ovaries have been shut off, and they have to turn back on.

And if they don’t turn back on right, and she doesn’t have adequate amount of female hormones, and they don’t balance out, she’s going to have a host of symptoms. I mean, there are all these symptoms that we talked about. The fatigue, low body temperature, can’t think clearly, poor sleep, constipation…Oftentimes women have problems with weight gain. She didn’t because she was so depressed she didn’t even want to eat, and if you don’t eat, you’re not going to gain weight, obviously. So what happens to these women, then they end up going to see your conventional doctor, like Ciera did, and what do they do? Immediately slap them on some SSRI antidepressant. That’s a…SSRI is a selective serotonin reuptake inhibitor. It inhibits the uptake, in your brain, of a neurotransmitter called serotonin.

Well, guess what? And this was Lexapro you were on, but there are other SSRI antidepressants, like Prozac and Effexor and Paxil, just to name a few, Cymbalta and others. And these are all SSRI, or they’re reuptake inhibitors, with the idea that if we don’t let the body reuptake the serotonin in the brain, and it just floats around, you’re going to feel better, which is not the case.

The case, in your case, in fact, it made you worse, and they gave you more drugs. And you just got drugged up, and what it does is it flattens the entire affect. It takes away who you are so you don’t have any feelings anymore. You don’t feel sad, you don’t feel good, you don’t cry…

Ciera Kizerian: Apathetic.

Dr. Hotze: You’re apathetic about life.

Ciera Kizerian: Numbness, you feel this…

Dr. Hotze: Right.

Ciera Kizerian: …total numbness. Like, I would love to feel happy right now, I would love to just feel anything right now, but you just feel empty inside.

Dr. Hotze: The SSRI antidepressants are a knock off of cocaine. Cocaine is a reuptake inhibitor. It blocks the reuptake of serotonin and of dopamine. It’s a neurotransmitter reuptake inhibitor. If you look at the molecular structure of the SSRI antidepressants, they’re almost identical to cocaine. They’re highly addictive, it’s hard to get off of them, there are terrible withdrawal symptoms, and it’s a way, basically, that drug companies get people to be addicts and take the drugs the rest of their lives.

Nobody has depression because they have low levels of antidepressants or anti-anxiety medication in their body. Nobody. If you’re having problems with moods that are roller coaster moods, they’re up and down, or you’re depressed, or you’re having anxiety attacks or panic attacks, that’s not caused because you lacked some pharmaceutical drug. It is primarily going to be a result, and almost 90% of the cases, it’s going to be a result of hormone decline and imbalance, which can be easily corrected.

So I know that Dr. Ellsworth put you on some thyroid medication, right? He put you on some female hormones, natural progesterone, got you eating right, put you on some vitamins and minerals. And how long did it take you to begin to notice any difference?

Ciera Kizerian: Oh, I wanted to cry when I started feeling…it was, I think, within two weeks of taking those that I was feeling up and feeling myself. I was able to…I’m a photographer, and I was able to go on a trip by myself for a photo shoot in Greece. Just, like, in August of that year, which…

Dr. Hotze: And you came in when?

Ciera Kizerian: In May. So within…

Dr. Hotze: So within two or three months, you were…

Ciera Kizerian: I was able to…whereas before, I’m stuck in my closet, I can’t interact with anyone. Within a couple months, I’m getting on a place by myself, I’m flying across the ocean first time by myself. I’m exploring Greece. Like, wow, that’s a huge difference…

Dr. Hotze: Sure.

Ciera Kizerian: And I remember, when I was there in Greece, I was on this catamaran, and we’re snorkeling, and I was swimming, and I was in the ocean, and I remember just having the water flow through my hair, and I just thanked God that I could enjoy life again. It was a moment for me where I was like, “Wow, this is worth living. I don’t feel what I’ve felt for years of just wanting to be gone, because it was just too painful to be alive.”

Where, with depression, when you have really severe depression, you feel so low that death seems up, it seems like a welcomed option because of how horrible you feel. And for me to be there, and to just love that moment, and love how I felt, it was priceless.

Dr. Hotze: That’s wonderful.

Ciera Kizerian: Thanks.

Dr. Hotze: A wonderful story, all that.  So how long did it take you to get off the antidepressants?

Ciera Kizerian: So I am…I started trying to get off November of 2017, and it took me about three months. Dr. Ellsworth was really good at helping me get off of it, and helping me to understand the withdrawal symptoms, and that whole process. And helped me find this great book that he recommended, “The Antidepressant Solution.”

Dr. Hotze: …Solution.”

Ciera Kizerian: Wow, that book is…I’m like, “This is the bible for anyone that has been on antidepressants.”

Dr. Hotze: It’s by Dr. Glenmullen, “The…

Ciera Kizerian: Incredible.

Dr. Hotze: …Antidepressant Solution.”

Ciera Kizerian: Yeah, that really helped me a lot, to just know what I was coming up against, and what to expect, and how to come down, and I had to come down really slowly. But I had this goal of, “I want to have another baby.” I just, when we first got married, I was like, “We’re having six kids. Here we go.” But once this depression kicked in, it really changed a lot of things in our life of what reality would actually look like.

But I did still want to have one more. And so we came…about three months, the withdrawal reactions were miserable, like you said, and I was coming down so slowly. It was a really rough time for our family, trying to go through that, but then I was able to get off of it in, probably March, I was totally done with them, and it had been…

Dr. Hotze: March of ’18.

Ciera Kizerian: …some time. March, 2018.

Dr. Hotze: Right.

Ciera Kizerian: And then I got pregnant in July of 2018, which is like nothing short of a miracle. I had been looking into adoption and all these other things of how I could somehow still have this baby, knowing I might never be able to get off this medication. I might not ever be able to feel better, like way before, but then coming here and then learning about all this stuff, it made me feel like I could not only come off of it, but be able to be a good mom, which is not what I had felt beforehand, at all.

Dr. Hotze: Well, this is really, really remarkable. And wonderful. And first, I want to congratulate you for doing a 180 and taking charge of your health, and not just resigning yourself to being on drugs the rest of your life. And you can imagine what that would’ve done for your husband. I know you’re a woman of faith, and your husband is, too, and thank God, it’s to your husband’s credit that he stood by you.

Ciera Kizerian: Oh, he has said, and I have said, this could have resulted, for so many people, in divorces…

Dr. Hotze: In divorce. Oh, this happens all the time.

Ciera Kizerian: …or your kids having a lot of issues with you long-term. All these things, like…I’m so grateful that we had fought for me, because if we had just said, “This is just our new normal, this is just how things are going to be,” we never would have tried to get in that hustle and literally fight. And it was a fight every day, because you have to fight to eat the right way, you have to fight to make the changes that are needed.

And I talked to him, and now with the Light Through the Dark stuff, and talked to people now that are like, “Yeah, my kids don’t have a good relationship with me, and our family is estranged, because when they were younger I dealt with these things, and I never addressed it. And I thought that this was just my normal, and just accepted that this is my MO for life.”

Or they get divorces. I have another friend who, he’s like, “I didn’t realize I was dealing with depression and anxiety all these years.” And yet he would have these big blowups with his spouse, and she’s couldn’t…she was like, “I don’t want my kids in that environment.” Really, it was he needed more support and more help with his mental health to be able to not have these triggers set off the irritability, and the panic.

Dr. Hotze: And so this is…your new business venture is entitled what?

Ciera Kizerian: Light Through the Dark.

Dr. Hotze: Light Through the Dark. And so how can somebody look at the podcast that you’re doing, and the YouTube videos, how do they do that?

Ciera Kizerian: You can just look up “Light Through the Dark” on YouTube, or whatever. And the main goal of it is really…

Dr. Hotze: So type in YouTube, ‘light through the dark.’ And how about on podcasts, what do they do?

Ciera Kizerian: Yeah, same thing. It’s called Light Through the Dark.

Dr. Hotze: Light Through the Dark on a podcast, and you can hear Ciera, she talks about these various issues that people have with mental depression, and anxiety, and panic attacks, and these things that are affecting them…she helps individuals that are having those problems. And then she interviews other people that have had problems, and as a matter of fact, we’re going to do an interview…later today, I’m going to do a podcast for Ciera, and we’ll talk about these things. Well, Ciera, this is a wonderful story…

Ciera Kizerian: Thank you.

Dr. Hotze: Now let me ask you, on a scale of zero to ten, ten being “brimming with energy,” when you first came in, what was your energy level?

Ciera Kizerian: Oh! Zero? Like, I just…I had no energy.

Dr. Hotze: At 26 years old. No energy.

Ciera Kizerian: Yeah, no, I’d wake up and feel exhausted, and I would be so tired I needed to take a nap, but I knew that if I, for whatever reason, I’d wake up and just have gripping anxiety. So bad it felt like someone had chains and cords around me, and I would just be stuck in that anxiety for at least an hour, where I couldn’t get up, because it was so gripping and so bad. And couldn’t talk to anyone, couldn’t reach out and be like, “Help me get out of bed.” And then, it was just multiple naps during the day. Never feeling…

Dr. Hotze: So…

Ciera Kizerian: Yeah.

Dr. Hotze: How would you describe your energy level now, your overall moods, on a scale of zero to ten? Now you just had a baby, here, six weeks ago, didn’t you?

Ciera Kizerian: I just had a baby, and I mean, I need a nap a day, but sometimes…and that’s usually because I stayed up too late watching Netflix with my husband and then was up with the baby again in the night, but on the days when I’m not watching a show, it’s not anything outside of what I felt as a teenager. Or, actually, I feel like I feel better. I keep telling everyone, like, “Wow, I feel like I should be having a much harder time with having a newborn than I actually am,” but I actually do have a lot more energy right now than I did with everything before…even though I should not have as much, having a newborn.

Dr. Hotze: Right.

Ciera Kizerian: I don’t know if that’s making sense, but…

Dr. Hotze: And I know this is important, and I talked to you about it, and I asked you if you had started on progesterone, and you just started on it yesterday. This is six weeks after the birth. If I had of known about you having…that you’re pregnant, I would have made sure, like I did with my five daughters, the day after they had their baby, they were on progesterone. And none of our daughters, out of our five daughters and we have 23 grandkids, none of them even had the baby blues. They never had any depression.

But that’s because progesterone levels dropped dramatically. They’re very, very high at the end of pregnancy. The placenta makes huge amounts of progesterone, they’re many times what you would normally experience. And when the placenta’s delivered, there’s a precipitous drop in progesterone, and that’s what leads to the problems with depression.

Also, low thyroid can lead to the problem with depression, also. Thyroid can be adversely affected when the hormones fall, that puts you in a state of estrogen dominance, and that adversely affects the thyroid, so now that we have you on progesterone, you’re going to be feeling back, just on top of your game again.

Ciera Kizerian: Well, I’m really grateful that this pregnancy, I had the bioidentical hormone therapy, because as soon as I found out I was pregnant, that morning I called the nurses here, and they said, “Okay, well, let’s have you have this much progesterone, so we can protect the pregnancy.”

Dr. Hotze: Right.

Ciera Kizerian: And went through that until I was, like, 14 weeks pregnant. And that was really helpful for me, because I had had miscarriages before, and obviously had worked so hard to get pregnant…

Dr. Hotze: How many miscarriages had you had?

Ciera Kizerian: Sorry, I had had one before my daughter. And my mom had a history of miscarriages, and…

Dr. Hotze: Which is a classical feature of hypothyroidism. Infertility and miscarriages are classical features of low thyroid that doesn’t show up in your blood. It’s not how much thyroid you have in your blood, it’s how much thyroid you have in your cells, and that can only be diagnosed by a clinical history.

So I believe that everybody that has the clinical symptoms of hypothyroidism, no matter what their blood test shows, deserves a therapeutic trial of thyroid hormones to see how they do. And it usually does remarkable for them.

Well, Ciera, congratulations on your success, and I wish you every success as you work on Light Through the Dark, this effort to help individuals overcome their depression, anxiety, and panic attacks. Thank you for joining us, and…

Ciera Kizerian: Thank you.

Dr. Hotze: Thank each one of you for joining us today, on Dr. Hotze’s Wellness Revolution. You remember, this is what I believe. I believe that while liberals are getting high, conservatives should get healthy so we can make America great again. If you want to get yourself on a path to health and wellness, if you’ve experienced symptoms that Ciera has , if you’re a young woman, you don’t have to wait till you’re 50 to come in and suffer on antidepressants on 20 to 30 years in your life, you can get yourself on a path to health and wellness now, by taking charge of your life, doing a 180.

Dr. Hotze: Give us a call at Hotze Health & Wellness Center at  (281) 698-8698, and we’ll be glad to set up a complimentary consultation for you, and partner with you so that you can get you on a path to health and wellness and help you have a life-changing health transformation, so you have energy, you have vitality, and you have enthusiasm again for your life.

Thanks for joining us today. God bless you.

We Can Help

Can you relate to Ciera’s experience? Take our symptom checker to find out if your symtpoms could be caused by hormone decline and imbalance.

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KHR girls: Where Canon Went Wrong

Hey guys! As a writer of fanfiction and someone who loves writing female characters, I’ve been trying to narrow down just why even the not-blatantly-sexualised female characters in KHR leave such a bad aftertaste. In canon, mind you, not fanon. I’m shocked by the magnitude of what I found, actually. It’s… So incredibly BIG.

Every time I write a KHR woman for the first time, I… Flounder, and feel lost. And they often have this bad aftertaste when reading canon material, and I wanted to know WHY so I could narrow it down and know EXACTLY what to fix in my fix-canon fics. 

The parts in italics are by @i-w-p-chan .

Buckle up, this is a long post!

Fighting

Bianchi & I-Pin both use food (more on the women & the kitchen association under Kitchen). Bianchi is one of the most dangerous assassins in the world, so that’s a pro. Sadly, it’s one of the few pros.

I-Pin has stepped out of the mafia/triads by the time she’s fifteen, as shown by her TYL version. While this is a very sensible choice and obviously what Fon wanted for her, this makes her another female character who technically stopped fighting while all the males around her kept fighting on.  Kyoko, Haru, Hana and Nana are the most featured non-mafia characters. All female, decidedly not fighters. 

Chrome should be commended for her skills- she was able to impersonate Yamamoto perfectly. That takes an enormous amount of practice and eye for details. More on Chrome: See Kitchen.

M.M. fought and was defeated by the only other girl fighting.

Bluebell. Bluebell DIDN’T participate in choice. Zakuro didn’t either, but Bluebell was the only female funeral wreath.

Yuni only wins from Byakuran by self-sacrifice in the Future Arc.

She was scared of actually dying until Gamma came over to her. so she didn’t even get to do THAT by herself.

On Pantera: She’s obviously deadly, but Longchamp keeps LAUGHING at her assassination attempts like they’re nothing!

Introductions

Kyoko and Hana’s ‘’generic conversation about a guy’’. (Chapter 1) (See me fixing this conversation here)

Nana putting Tsuna down like he has no future? This doesn’t fit with EVERYTHING we later learn about her! (Chapter 1)

Haru ends up saying she wants to MARRY Tsuna by the end of her introductory chapter.

Bianchi’s ‘’Reborn, Reborn, Reborn!’’ and just… Trying to kill Tsuna because he’s just an obstacle between her and her boyfriend? See me when I’m done screaming out of frustration for this abomination of an introduction done to a woman that should, by all means, be one of the most deadly assassins in the world.

Longchamp’s ‘’Ugly girlfriends’’. (More about this under Because All Women Care About Are Men (and Family))

Chapter 227, the first image of the real six funeral wraths! Everybody looks freakin’ terrifying EXCEPT BLUEBELL, SHE’S JUST SLEEPING??!!

Shittopi-chan. Okay. The second female member of the Simon. That’s more women than the other sets of Elements have! I’m happy with that, but I would have been happier if they hadn’t sexualised Adel so much. And while I love Shittopi and her amazing steadfast belief in herself and her great confidence and wouldn’t have her any other way, it stands out to me that well… The first thing that happens after her introduction is Gokudera calling her a U.M.A. A freaking Unidentified Mysterious Animal.  

Handled well: Adel (chapter 283), Oregano (Chapter 112, reasonable), Lal Mirch (Chapter 112), Daniela (Chapter 158), Chrome (Chapter 113- Her entrance was fabulous).

The Kitchen

There’s nothing wrong with the kitchen. That’s where the knives are, after all! *grins* But sadly, as a woman, I know more than a thing or two about ‘’women belonging in the kitchen,’’ and ‘’make me a sandwich, woman.’’

This is the shit I’m talking about: 

Kyoko & Hana: Cooking class. Only girls. Ew. No. 

Also, in the future arc Kyoko, Haru, Bianchi and even CHROME were on kitchen duty. Kyoko and Haru were “doing what they could,” as is said in canon, but with how much time Bianchi spends with them, couldn’t they have learned how to sharpen knives or something? Besides, it was vital for them to know how to protect themselves in order not to be a liability.

Pretty much, I wanted to see Kyoko and Haru do ANYTHING besides cooking and doing the laundry!

And CHROME?! Sure, she was sick, but what a mighty coincidence! The only female guardian ending up in the kitchen while the rest of them trains and powers up!

And what was especially f*** awful about the future arc was that it TRIED TO JUSTIFY it by “we are doing what we can.’’

I love the bonding moments between the girls in the future arc, BUT WHAT WAS BIANCHI DOING THERE? EVERYBODY WAS BUSY! FUUTA WAS ALMOST NEVER THERE! FUUTA IS A TOO-TALL 18-YEAR-OLD BABY WHO NEEDS TO BE PROTECTED, WHY BE YOU OUT THERE WHILE THE EXPERIENCED HITMAN IS IN THE FREAKING KITCHEN?!!

There is another thing about the girls being put on kitchen duty: you realize how many people they’ll be cooking for and cleaning after? And how many of them are growing teenagers constantly training? That’s not something any 14-year-old girl would know how to do just by virtue of being a girl.

Consider: if Kyoko ever cooked meals at home, it would be just for her parents and Ryohei and herself. That’s four. Haru is a lone child, that’s three. The situation just doesn’t make any sense! Why couldn’t they have like, had a rotating schedule for cleaning and cooking shifts alongside training? Or heck, why isn’t there any worker tasked with the kitchen duty?

Kept in the Dark

Excerpt from Bianchi’s wiki page:

’‘Bianchi again comes to the foreground as a tutor right before Choice, but this time to Chrome. They train in hand-to-hand combat, with I-Pin to help out. During the girls’ strike, she supports Haru and Kyoko’s decision to stop doing housework until the boys tell them what’s going on. However, she also tells them what the boys are most likely thinking, and convinces them to call the strike off.”

She was Gokudera’s tutor before. But Bianchi convincing them to put the strike off? That was a slap in my face, lady! They’ve got a RIGHT to be pissed off, they’re far away from home, in the middle of a war, and you keep them in the dark! They don’t know what’s going on at all! AND THIS:

“Bianchi is first briefly seen watching Reborn worriedly when he awoke from his dream, and later seen again observing while Nana is angered at Tsuna for badmouthing Iemitsu, his father. Later, she was seen carrying an unconscious Nana who fainted after being hit by Iemitsu’s blood while wondering why Nana had to go through such an ordeal. She then requests that they make it so that when Nana wakes up, she will think it was a dream.”

Nana- seemingly obvious, has an overseas husband, “airheaded”? My God. No. Not to mention what the freakin’ anime did with her. All expressions GONE like that! Lal’s place as one of the strongest seven in the world was stolen by Colonello, no matter how well-meant it was.

Sexualization

Adel’s ZIPPER.

Iris Hepburn seduced a couple of scientists to do what she wanted- not manipulated, they say she “charmed and seduced”. Ugh. 

Also, not truly sexualized, but definitely need to be noted: Bluebell’s nudity (See Young girls, old men, nudity and being creeped on) and that one scene in the anime (I can’t quite recall if it was in the manga too) in which Gamma remembers Aria.

How? Oh, just, you know, him crawling through her open window shirtless, and her sitting up in bed, clutching the bedding to her obviously naked front while aiming a gun at him.

Also, what is it with Chrome and being attacked by tentacles? First Mammon with the tentacle illusion, then Glo Xinia!

Also, the nude shots of the girls in some very pin-up girl poses in the bathroom scene of the Future Arc (chapter 237) were horrible!

Young girls, old men, nudity and being creeped on

The KHR thing with young girls just… *shiver* For a show about fourteen-year-old kids, there are a LOT of creepers.

Chrome is the biggest victim of it, though sadly, not the only one. Glo Xinia made me so f*** uncomfortable- honestly, he was creeping on Chrome too. The Simon arc and Chrome with Daemon sends my skin crawling every time.

Also, the Byakuran hypnotizing Yuni? Yeah. Older guy controlling younger girl, the whole thing giving you the creeps? Chrome and Daemon, anyone?

Also, you remember Bluebell’s introduction? When she was climbing out of the water and one of the other Funeral Wreaths (I don’t remember which one) telling her something about proper lady manners or something along those lines? 

On Bluebell: I checked (chapter 239) and not only does Zakuro comment on her flat chest! Bluebell gets angry at him in a rather childish manner, but when she calls out Kikyo to defend her, he goes: “Zakuro’s just lashing out because he’s jealous of how cute you are.”

Zakuro: “Not likely.”

And then KIKYO SAYS: “Now, Bluebell, you are a girl, so how about you stop spreading your legs in that unsightly manner?”

And Bluebell’s only reaction to this is to close her legs (she was naked, but if she’s already naked in their vicinity, then what? It’s obviously normal for her? Not to mention that’s she’s naked during her INTRODUCTION SCENE?

And the weird thing is, while I’m happy they do treat her like a child, she’s fifteen! They make comments about her chest! And the “treating her like a child” thing is mostly not seeing her as a woman from Kikyo’s standpoint- aka, she’s not sexualized entirely.

It just f*** me up because they still make comments that are really sexist and could be seen as sexualization- not to mention that it’s that kind of freaking patriarchy superior bullshit that KEEPS her from growing up! My gosh) and complaining more about Zakuro!

Also, was it just me or were the Gamma and Yuni overtones rather romantic? Because they felt like it. And Yuni’s what? Fourteen? Thirteen? Fifteen if we’re pushing it? That’s ANOTHER young girl and an older man.

Yeeppppp. from A-Z from their ‘I feel about you the same way my mother did’ (which??? is big ?????????) until Yuni sacrifices herself.

Disease and Disability

Sick characters? Injuries, disease and mental illnesses not caused by battle wounds? Here’s a list:

Yamamoto (broken arm, depression)

Gokudera (trauma)

Hibari (though technically Sakura kura was administered by a weapon too)

Tsuna (skull disease- caused, once again, by weapons- the dying will bullets)

Ryohei (ADHD heavily implied)

Byakuran (What’s happening in his head? I don’t know, but it certainly wasn’t good for his mental health)

Chrome (no organs, repeatedly a problem when Mukuro does not come to the rescue)

Bluebell (parental abuse through neglect, paralyzed legs and trauma from seeing the car accident that ended her brother’s life)

 Luce, Aria, Yuni (Arcobaleno curse, results in early death)

 Lal Mirch (the only Arcobaleno visibly seen suffering the effects of Byakuran’s anti-Arcobaleno gass or whatever it was)

Lavina (fatal disease).

I love representation of disease and disability if done right, but looking at the list and the topic of this post, I’d say my point has been made. Also, an interesting observation: While the men do seem to deal with mental illnesses, the rest seem to be solely resting on the shoulders of the women.

Because All Women Care About Are Men (and Family)

Bianchi’s few star moments were mostly dominated by statements about love and her ex-boyfriend- though the future arc had her being AWESOME!

Akiko Irie- Shoichi’s sister. Wanna know what her wiki article says? This is under “History” :

“Not much is known about her but it is known that she has a boyfriend.”

Because that’s obviously all we need to know! Don’t even get me STARTED on Longchamp’s girlfriends- 'cause that’s their role! Girlfriend only! (Not to mention the “oh he falls for ugly girls,” thing. Like, seriously?)

Elena is near perfect- great ideals, hints at layered character- but even she is in the end almost solely remembered for the fact that she was Daemon’s wife/lover. She was clearly a vital member of the Primo generation, yet no guardian and completely forgotten because nobody recognized her? Tsuna must have been vetted extensively on the past bosses and their family as the Vonogola heir, yet he didn’t recognize her or had any idea about her existence.

Magi- the Simon child in the last Cozart memory in the Simon arc- Cozart stated that he and Giotto believed that Magi’s descendants would someday be able to laugh together with the Vongola descendants.  He and Giotto talked about this? Why not their own descendants (besides the fact that Cozart is obviously gay for Giotto, but that’s never confirmed)? Why think about Magi’s descendants? She’s a child! Once again: are you going to start this early with “that’s the only thing we need to know about this female side character”? 

Major pet peeve: MM being pitted against female characters. I still loathe the MM-Chrome interaction in the future arc where she slaps Chrome with all of my being.

YES! Like, the only interaction we’ve seen from MM is her swooning over Mukuro, her fighting Bianchi, her threatening and/or slapping Chrome OVER MUKURO and her complaining to Fran about him pronouncing her name wrong.

M.M.’s wiki entry personality summary: 

‘’She cares a lot about fashion and money, and prefers to date rich men. M.M. can be blunt and has a short temper. Despite this, she does have a caring side. She clearly has an interest in music.’’

Curse of the Rainbow arc? Oh, she’s there! But what a surprise- Levi’s interested in her and she’s all like: I’ll go on a date with you, but you’ll have to pay me for it!

Levi: The price is too high! 

There’s nothing wrong with hookers, it’s an honest profession, but as far as we know M.M. isn’t one!

Adel’s canon relationship with Julie. While Julie’s appearances have been mostly Daemon in disguise and therefore not actually good source material, the way she was reduced to a blushy mess, losing all composure suddenly over him… It felt like they took away a part of her.

Adel should be the one to have people being reduced into blushy messes and composure-losses over her. 

Chrome is subject to Mukuro’s whims. For the clearest example: Mukuro’s behaviour in the future arc. However, this eventually does lead to Chrome learning to stand in her own power in the Inheritance Arc. However, on the Inheritance arc: Chrome is the one abducted. Chrome is the one creeped on by Daemon.

There are things that I have a bone to pick with, the first one that pops into my head is how the girls are just there to cook and clean in the future arc. and then the part when the girls are in the bath and they see the wound Chrome has from training, I don’t remember the exact wording of the dialogue at that moment, but I remember that it made me want to punch something.

I found the accompanying scene:

Mochida treating Kyoko like a freaking prize and Kyoko never getting to punch him for it.

The list is endless.

Saviors

Kyoko gets rescued by Tsuna from Mochida. TYL!Kyoko gets rescued by Tsuna!

Haru is saved from drowning by Tsuna!

Chrome is constantly being saved by Mukuro, Ken and Chikusa. Her very life depends on this. Next to her organs, see Glo Xinia and many other instances.

This list would be VERY long if I went after every single instance in the manga.

Character Development

Where is my female character development? 'Cause I’m only seeing it in Bianchi, Chrome, Adel and Shittopi!

Conclusion

The Cervello are one of the few where little is to be said about. Daniela is the only non-villain(like appearance) besides Mami. Mami, who is one of the only female side characters that’s actually handled well. She’s believable, she’s the traumatic nightmare haunting Enma.

Oregano is also handled reasonably well (though I have to say, people, PLEASE stop making her the woman Iemitsu cheats on Nana within fanfiction). Sepira is good!

But the rest? The headlines in this post speak for themselves.

What I need, my friends, is for Operation: KHR Fix It Female to start Right. Now.

If I’m wrong on any of these points, guys, please tell me, because I’d LOVE to be wrong! To quote @i-w-p-chan: I need my fucking war axe.

[purpleparrot]

ok i’m gonna do a post on the bachelorette bios under a read more bc its long as h*ck

Adam, 27, real estate agent. Gains points for listing his most embarrassing moment as telling his mom he was going on the bachelorette (submit an application for any reality show and you have answer to that question for the rest of you life) and immediately loses them for saying his favorite actor is “jennifer lawrence because she’s every girl’s goal” (three years ago this would have been true but not now my guy) and saying a threesome is the most romantic gift he’s ever received.

Alex, 28, information systems supervisor. Says the most outrageous thing he’s ever done is eat a live salamander (um?) and lists the rock as his favorite artist (um????). Also says the most romantic present he’s ever given is a car which was probably very awkward when the relationship ended.

Anthony, 26, education software manager. Describes emotional intelligence as one of his best attributes so if things don’t work out with Rachel he’d be a great match for Taylor from Nick’s season. Also says that he has “virtually no limits in the bedroom once the connection is there” and honestly its just weird that they asked some of them that question (like I’d answer that question for the entire internet to read)

Blake E., 31, “Aspiring Drummer” says that the most outrageous thing hes ever done is get engaged to a “crazy girl” then calls himself a “classic gentleman” two questions later. Also wants to watch the new 50 Shades movie because he loves “taboo sexy stuff”. Was engaged for 48 hours which is probably about 24 hours more than he’ll last on the bachelorette. Hates when his date talks about her cats, so Taylor Swift is basically his worst nightmare. Also doesn’t think parking ticket people have souls, which is honestly the most redeeming answer of the bunch.

Blake K, 29, U.S, Marine Veteran. Would want to be the Rock for a day because “he’s the only person who could look cool wearing a fanny pack”. Says that roses are his favorite flower, which I’m 99% sure is a prerequisite to getting on the show. Says he won’t wrestle a crocodile or eat monkey brains for love, and mostly seems too normal for this show.

Brady, 29, Male Model. Says that tackling snowmen is something he does for fun in his hometown (um? fingers crossed he makes it to hometowns so we can see how exactly that works) and says Lululemon sweatpants are the most romantic gifts he’s ever received, which is slightly (okay a lot) more normal than threesome. Says the the Situation from Jersey Shore is the person he dislikes the most in the world, making me think about that show for the first time in at least three years. (Also, does he remined me a little bit of Robby from Jojo’s season appearance-wise?)

Bryce, 37, Chiropractor. Kind of looks like Chase from Jojo’s season (to me at least). Lists like seven things when asked for his three best attributes, so apparently has some trouble with numbers. Also says the Bachelor/Bachelorette is one of his favorite TV shows because he’s “fascinated by the interaction socially between a man and a woman” (please no one watches this show for the love story, you watch for the drama and you know it) has also had balcony sex? (idk what to do with that information)

Bryce, 30, firefighter. All of his answers are oddly poetic? Describes himself as a “laid back shot of gasoline when the fire starts to die”. Looking for someone with “eyes you could drown in and a smile that insults the sun”. Says he’s “a fresh drink of water with a jolt of lightning”. I’d put money on him reading Rachel some 9th grade English poem the first night. Describes his dream job as a professional Instagrammer which he’s definitely in the right place for with all the Fittea and teeth whitening stuff everyone who goes on this show seems to sell.

Dean, 26, startup recruiter. Has a lip tattoo? (It says righteous, I know you were dying to know. Thinks marriage is an “institutionalized sham derived from religious beliefs” so he’ll fit in perfectly on a show where the end goal is getting engaged!

DeMario, 30, executive recruiter. Scores points for referencing Britney Spears not once but twice, saying he loves attention but not like 2007 Britney, like when she and Justin Timberlake wore those denim outfits. Wants to have a pet lion and name it “Denzel the lion”, Doesn’t have any phobias, which I’m sure made the produces frown and cross his name off potential candidates for those dates they always have where they skydive or something and they’re both really freaked out and have to comfort each other. Earns more points by saying that the most romantic gift he’s ever given is tickets to a Beyonce and Jay-Z concert.

Diggy, 31, senior inventory analyst. Spends Saturday nights trying to recover from day drinking (he and Corinne would get along great if Rachel doesn’t pick him!) Once pretended to be asleep so he didn’t have to help a girl find her brother after a one night stand.

Eric, 29, personal trainer. Rachel seems like she was digging him on the ATFR when she men some of her guys. If he could be anyone for a day, he’d be Tony Robbins, which is a name I had to Google and according to Wikipedia he is a    ��MLM advocate, businessman, and author”. Says green juice is his favorite drink, so I’m sure he’ll be fine in the bachelor house where it seems like all they have to drink is champagne. Not to go all avril-lavigne-is-dead-and-was-replaced-by-a-clone conspiracy theorist but if he could go anywhere in the U.S. it would be New Orleans, which is where Rachel had her one-on-one with Nick.

Fred, 27, Executive Assistant. Admits to the entire Internet that he sometimes gets aroused at work. This isn’t in his bio but in the preview for the season it says that he and Rachel went to elementary school together and he has apparently had a “lifelong fascination” with her ever since which is a lil weird to me. Like I doubt I could pick someone I went to elementary school with out of a lineup much less recognize them on TV nearly 20 years later.

Grant, 29, emergency medicine physician (!). Would like to be President of the United States for a day, which would honestly probably be better than Donald Trump (I mean, they have about the same amount of experience). Lists Playboy as his favorite magazine with a ;) face. Makes a lame “A see food diet. I see food I eat it” when asked about eating habits, so I’m expecting him to open with an equally lame joke when he meets Rachel.

Iggy, 30, Consulting Firm CEO. Idk if ABC made a typo or what, but if not he lists his best and worst attributes as the same traits (Truly a double edged sword). If stranded on a dessert island he would want it to be a banana float (haha) (Also thats a really stupid question anyway-ABC if you need someone else to write these I’m available)

Jack Stone, 32, Attorney (!). First, why is his whole name on the website? Usually its just their last initial, and that’s only if there’s two people with the same name. Which isn’t the case here so @ ABC wyd. Is an attorney like Rachel, and has been the only one so far smart enough to plead the fifth on the bedroom question. Two of his worst attributes are “hard on myself, anxious” which is very #relatable. Says tulips are his favorite flower because they’re like roses without thorns.

Jamey, 32, Sales Account Executive. Answers the question “where do you see yourself in five years” with “I am trying not to make plans right now” which is also very #relatable. I should bust that one out at my next job interview. Says his ideal mate looks like a model (we all wish) and responds “I do not have any female friends” to “describe your best friend of the opposite sex and why she/she deserves that title”.

Jedidiah, 35, ER Physician (!). Previously owned dogs that were over 1/2 wolf, which is slightly terrifying. Likes wild flowers that grow above high altitudes. Has had sex on a glacier which just sounds like a bad idea, frostbite and all that. Likes nice pens (don’t we all), clashing slightly with his outdoorsy image.

Jonathan, 31, “Tickle Monster”. Anyone identifying themselves as a tickle monster would be cut immediately if I were Rachel. They wouldn’t even make it inside the mansion. I hate being tickled. Formerly sported a mullet. Says his favorite flower right now is a red rose (*rolls eyes*). Previously married, which the producers are probably going to bring up at every given opportunity. Lists Britney Spears as one of his favorite music artists, which still doesn’t even begin to make up for the tickling thing.

Josiah, 28, Prosecuting Attorney (!). Has had sex in his office, so hopefully he didn’t tell his employer he was going on the show, and if he did, hopefully they don’t find this. Was once catfished, so perhaps he’s on the wrong show anyway. Perhaps Nev and Max can participate in a group date giving tips on how not to get catfished.

Kenny, 35, professional wrestler. Spends his Saturday nights either “wrestling in his underwear in front of thousands of people or with his daughter”. Has a daughter, which the producers will also probably bring up at every given opportunity because exploiting children is always fun! Says he was “quick draw Mcgraw” when he first started dating his ex. Has had sex with a wife while her husband watched, which sounds like more Unreal than Bachelorette territory tbh.

Kyle, 26, marketing consultant. Generally doesn’t trust people and dislikes corrupt authority, and respects Ed Snowden. Probably has a Bernie 2016 sticker on his car. doesn’t know what gluten is but eats gluten free when he can. Describes his ideal mate as 7+ and says BDSM was weird because he doesn’t like hurting people.

Lee, 30, Singer/Songwriter. Would want to learn to make booze if stranded on a deserted island.  Considers himself a romantic. Also seems too normal for this show (aside from the career) and will probably be gone the first night.

Lucas, 30, “Whaboom” I googled it and couldn’t find an answer as to what “Whaboom” even means so we’re off to a great start. When asked who he would have lunch with out of everyone in the world, replies “ Dead: Bruce Jenner, Alive: Caitlyn Jenner” *cringes* would want the cast of the View with him on a deserted island which is pretty smart actually because they’d probably wind up killing each other and he could establish himself as the apex predator. Enjoys a “good old bump and grind” when it comes to dancing. Lists going to funeral as one of his least favorite date activities, which makes me question his dating history history. I feel like he’ll be the villain.

Matt, 32, Construction Sales Rep. Describes lingerie as the most romantic gift he’s ever given saying  “I knew I was in love once I found myself shopping at Victoria Secret” #justlikethenotebook. Describes a tinder date as his worst dating memory. Has had sex on a cruise ship balcony. Despite that is probably still too normal for the show and will probably be eliminated quickly.

Michael, 26, Former professional basketball player, which is less impressive when you keep reading and find out it was in Bulgaria. Would want to have lunch with Obama. One of his worst date fears is one of his friends hooking up with his date in the past which should make fantasy suites fun should he make it that far. Also like the fifth guy to name Denzel Washington as his favorite actor.

Milton, 31, Hotel recreation supervisor. Has a lip tattoo. Is oddly upfront about not being on the show for the “right reasons”. He says he wants to be discovered and break into acting or writing.  (At least try to lie and say you’re here for love my guy). Describes himself as only “kinda” romantic because he thinks it can show you’re weak.

Mohit, 26, Product manager. Says he is going to dress up as gluten for Halloween. Good luck with that. Likes country music. Has used Tabasco sauce in the bedroom which just sounds like a bad idea (honestly what do yall get up to where you need condiments). Is like the third person to say he admires Elon Musk.

Peter, 31, business owner. Once thought he got abducted after a one night stand. Likes modern family. Seems normal. Also cute. I’ve been trying to dodge spoilers but a few have slipped through the cracks and I must say...

Rob, 30, law student. Would want to have lunch with Buddha. Would want to be able to control time. Also seems normal. Will probably be eliminated quickly.

Will, 28, Sales Manager. Considers himself a romantic. Describes every tinder date he’s ever been on as his worst dating experience. Hates being a second choice, so hopefully he doesn’t wind up like Nick as runner up twice.

So overall it seems like there’s a lot more diversity this season, which is great to see! its also cool that that most of the men are closer to Rachel’s age compared to last season when some of the girls were literally 10 years younger than nick. And since i haven’t read spoilers, i guess i’ll pick a few faves based on bios alone: Peter, Eric, DeMario, Jack stone thats probably way off im bad at stuff like that

See yall the 22nd!

[taotrooper]

Everlasting Flower: The marketplace by the sea

Anonymous said: Can you write a little thing from the everlasting flower AU where shinha runs into Kaya please?

Anon, I don’t even know if you even follow this blog or this fic anymore, but here it is. I’m so, so sorry for taking this long to write it! Also includes some 2000yo!Kaya and Zeno moments, and Ao being adorable.

Everlasting Flower is a fanfiction AU where Kaya obtains semi-immortality. The masterlist is here.

When she turned back again, Zeno was standing next to her, flushed cheeks and palm over the left side of his chest.

"Zeno just had a heart attack," he chirped with a childish tone.

"From the shock of him getting so close?"

"Noooo, from the cuuuuuuteness!" He gripped his robes inside a fist, as if he was hurting.

"How much, mister?" she asked with a smile, pointing at the herbs.

"Three hundred rin the pack," the salesman said with a bored expression.

Kaya blinked. That sounded excessive, so she asked once more to corroborate. The middle-aged man repeated the same price, so she hadn't misheard with the sounds of the marketplace.

She gave it some consideration. Keeping up with the times was perhaps one of the most challenging problems with immortality. Languages change, attitudes change, ways of thinking change... and faster than anything, economy changes. Currencies don't always have the same worth, and supply and demand affect the value of every item. What feels excessive one day could be, perhaps, a fair value at the time. There was an era when she could have bought a whole bag for only 5 copper coins, maybe back in the first rule of the Han dynasty. They were oval coins, much cuter than the ones in use.

However, she was sure she had bought valerian at 150 rin very recently. Zeno'd gotten a meatbun with the change, hadn't he? A piece fell to the ground and a hungry stray dog tried to snatch the rest. The puppy won, as her husband happily gave it to it. In any case, yes, that wasn't the usual modern price.

"How about 200?" she chimed in.

"No haggling in my shop, baby girl. Full price or scram."

"But... if I pay 300 I won't have enough money for rice and salt, sir."

"Not my problem. Go back to your parents."

Kaya's smile slipped off. One of those stubborn guys, huh? She really needed to stock on her valerian, but their budget was tight and that was the only stand with it in stock. She wasn't going to blame the child for overcharging as she didn't know the cause. Perhaps his supplier was selling it too expensive. Perhaps it was a rare item in this city. Perhaps his family was in a pinch and he needed the money urgently. Or he could just be an ambitious jerk, but that's a dull theory.

Time to rely on the parsley.

"D-do you accept trades?"

"It depends." He scratched inside his ear with his finger. "What you've got, brat?"

Kaya rummaged in her backpack, trying to look as anxious as she could. This plan usually worked better with Zeno as a backup, so hopefully it would be fine anyway. After a minute of moving things around, she took out a satchel with a disappointed face.

"This is the most valuable thing I have on me," she murmured while she opened the satchel, and waited in silence.

"That's fucking parsley. That amount's only like 50 bucks. No deal."

"I-It's not regular parsley, sir!" she cried. "It's Tenchouan parsley!"

"Do you think I'm stupid? Never heard of it."

"It's a variety from Kai Empire, mister. You've really never heard of it? It's really famous."

"I know where Tenchou is, like everyone in Awa. It stlll looks like our parsley, though."

"Look at the leaves; the green color is lighter and they're more star-shaped."

The salesman glared at the plant.

"Okay, it looks kinda different and it even smells stronger. So what? Why do you think that makes it as valuable as valerian?"

"You see," Kaya smiled again, since she loved explaining obscure facts about flora, "Tenchouan parsley is not only appreciated for its shape, but also for its properties. It's great for cleaning your kidneys and regulating your digestion." That part was true. "Koukan parsley is also a bit good for that, but this variety is superior and highly sought by educated healers. It's rarely imported to our country so we don't know all its virtues. Royal chefs have used it for banquets in Hiryuu Castle. Some say brewing it for tea is an aphrodisiac as strong as oysters, but I don't know what that last part means?"

"That's a very detailed answer."

"That's what the peddler who sold it to us said." She bit her lip. "Sir, please! I really need the valerian."

"Hold on here, kid. Hey, Re-jil! Come over a sec."

"What?" A bearded man in his thirties from the back of the stand approached them. Kaya crossed her fingers. This guy would either help or hinder further.

"Have you heard of Tenchouan parsley?" The salesman showed him a branch.

"Yeah, man! My gramps told me about it. It's super rare and supposed to be much better than parsley."

"Is this it?"

"I've never seen it myself but I think so?"

The salesman brought Re-jil aside and they whispered some words. From the older man's expressions, she imagined he had been informed about more rumors. It seems Zeno and her must have talked to this grandfather at some point. She waited, trying to keep a concerned face.

"Well, alright. Guess we can do a deal." Kaya kept her expression while fresh blossomed branches were being packaged, not showing any relief. After all, she always felt slightly bad whenever she traded 'Tenchouan parsley' with people.

"Kaya," she heard behind her. A warm hand was over her shoulder, and she turned around to see Zeno. He held a little paper bag. "What's wrong?"

"Z-Zenooooo. I'm so sorry, I had to trade the parsley for valerian."

"The Tenchouan parsley?!" Zeno's sweet smile disappeared. "But we needed that!"

"I know, I know." Kaya covered from her eyes to her mouth with her hands. "But granny had those pains again. We ran out of medicine!"

She heard Zeno take a deep breath. Then a bang against wood.

"Listen, mister. That thing has way more worth than what you gave my fiancée. It's at least two packages of valerian, maybe three."

"Not my problem anymore. The deal is done, brat. No refunds or changes."

"I'm going to come back and buy it again from you."

"It'll be a thousand rin then."

"W-what?" She heard a pause, and then a whine. "Fine, I'll come back when I get paid on Friday. Let's go, Kaya. Don't cry, okay? Grandma's waiting."

She let out some sobs as Zeno pushed her gently far from the stand. She uncovered once Zeno let her go. He was chuckling.

"Thousand rin for regular parsley with different leaves! And the funny part is that a gullible rich guy will probably pay that much."

"I was hoping to do the trick for senjusou, but it doesn't seem that any shop carries it anymore." Kaya put the valerian inside her bag and started walking along her husband. The sea breeze brushing her dark hair felt refreshing. "Odd, huh? This is Awa."

"Well, it is hard to get in the wild. I imagine any plantation is now under control of the corrupt lord or greedier merchants than this guy. Want some chestnuts? Got them for free!"

"Nah, I'm good. Hey, Zeno! Is it okay if I go to the cape to gather some senjusou while you watch over them?"

"The one with that awful cliff?" Zeno tilted his head as he took a roasted chestnut from his bag. "I'd normally be okay with that, but this time I have to ask you not to. Last time it took me a month to find you again."

"It was two weeks, silly husband. And I was only in the water for one day at most."

"Still, I can't comb the beach and the sea for you this time. The Miss and the others might leave any time soon."

"You're the last dragon, though. They'll come to you."

"Not while I'm hiding like Ryokuryuu." Zeno munched. Kaya wondered what else the poor princess had to do to win Zeno's approval, but he was right: he had to remain close and she could get the herbs in another place and another time. He swallowed and lowered his voice. "Besides, this town makes me uneasy. You should remain next to me, just in case."

"Uneasy? It looks like any port city to me."

"You haven't noticed?"

"Notice what?" Kaya shrugged.

"Oh well. Just don't wander off alone, okay?"

Since Zeno had a good nose for danger and darkness, Kaya decided to trust him. She grabbed his arm and cuddled against him, to his delight. It was better to spend this precious time together until it was the moment to serve Yona after all. She had no doubt it would happen soon despite his indecision.

Her thoughts were interrupted by a high-pitched sound in front of them.

"Pukyuu!"

They both looked around and then below, blinking several times. It was a squirrel, and not any squirrel.

"It's Seiryuu's friend!" Zeno said. He smiled wide and crouched down.

"It must be lost. Oh gosh, it's cuter from up close! Super cute!"

"Hey there! Want some chestnuts?"

Zeno offered one and the animal immediately took it. They watched, mesmerized by the puffy full cheeks and the tiny teeth biting. Once she devoured it, the squirrel jumped and climbed  up his arm, reaching for the rest.

"How cheeky," he grinned. The squirrel had managed to jump inside the bag, only her legs and tail sticking out.

"How clever!" Kaya cooed and petted the furry back. "Not scared of humans at all."

"Yeah, this little miss is so frien— Ah!" Zeno froze, his eyes reacting. Then without a warning, he pushed the bag, rodent included, into Kaya's hands as he trotted away to other stands. So much for staying close in a dangerous town!

Before she went to him, she glanced at the opposite direction. A figure taller than her was looking around with a fretted expression. Or so she thought, since a white fur and a mask covered most of his head. Seiryuu.

"Your ride is here," Kaya whispered to the squirrel. She walked to the boy and touched his shoulder. "Excuse me. Are you looking for this?" She held the bag up. The squirrel's head popped out, cheerful.

"Ao!"

The squirrel jumped up to his shoulder, piece of chestnut between her incisors. The young man's muscles relaxed. He mumbled an attempt of apology and took a bow toward Kaya.

"It's alright! I love animals and she's cute, so I don't mind."

The boy —recently named Shin-ah, Kaya remembered— nodded and turned around. He had taken two steps away when she reacted.

"Oh! Wait!"

Shin-ah stopped and came back. What now? She had called him out of a whim, really wanting to talk to him. They had been walking behind those children for so long! Kaya had other things to do so she wouldn't go to the group when the time would come. Zeno already knew about her decision and had reluctantly accepted the temporary separation. This moment with Seiryuu was her only chance to interact with either of them for a while.

But she was a stranger and he was too shy. Just striking a conversation... she had to be careful not to blow their cover. She smiled kindly, with genuine joy.

"You don't seem to be from around here. Is this your first time in a big marketplace?"

He nodded.

"I remember my first time! Everything was new and exciting, and the crowd was kinda overwhelming, but it was a special memory. Just like the sunshine making the sea sparkly." He just stared while she spoke. Kaya blushed, knowing there were piercing eyes behind. "Someone was really nice and bought me a present back then. So here, you should have something for free to remember today!"

She took his hand and put the bag between his fingers. His mouth opened in surprise. He didn't smile and Kaya couldn't see the look on his face, but she could sense the rising happiness regardless. It took him a couple of seconds to speak again.

"...Thank you." He held the gift with his two hands, like a treasure.

"No problem!" Kaya beamed. The salty breeze shuffled her short hair. "Share them with your friend and your family, okay?"

Shin-ah nodded furiously and bowed once more before running off. She waved goodbye, although not sure if he could see her. When she turned back again, Zeno was standing next to her, flushed cheeks and palm over the left side of his chest.

"Zeno just had a heart attack," he chirped with a childish tone.

"From the shock of him getting so close?"

"Noooo, from the cuuuuuuteness!" He gripped his robes inside a fist, as if he was hurting.

"He was really cute, yeah!"

"You both were really cute!" he corrected and raised his arms. "Cute!"

"Cute, cute!" she followed.

"Although he was just as cute when I first saw him," he said. "I'm glad."

Kaya hadn't gone with him to that trip sixteen years ago, but she had heard his recollections on the three little dragons constantly. She hadn't thought about that story when she gave him the chestnuts, but perhaps her subconscious had acted out. In any case, she was pleased with her gut feeling.

"Alright then!" Zeno grabbed Kaya's hand. "Seiryuu has met with the others now. Let's move on carefully before we miss them."

"Let's!"

In the end, she was glad she wasn't gathering expensive medicinal herbs by the cliffs. There were other places to buy senjusou, in other cities. But she had made a happy memory for a lonely boy who was already family, and she was thankful for the opportunity.

She heard the seagulls' cries from afar. She was certain Zeno would make a great big brother one day. And hopefully in the future, she could be that kid's big sister as well.

[brentrogers]

Podcast: Panicked Over Finances? Why Money Influences our Mental Health

 

The rent is due tomorrow; but then you’ll be left with only $10 for the week’s groceries. What do you do? Many people panic over money (or the lack of it), but for those of us with mental illness, it can feel like a life or death situation: It can trigger an even greater anxiety attack and/or depression. Or it may mean not being able to afford the medication that keeps you well enough to work. What can be done?

In this Not Crazy episode, Gabe and Jackie discuss how you can gain a sense of control in these situations, and Jackie shares her own big money scare.

(Transcript Available Below)

SUBSCRIBE & REVIEW

About The Not Crazy Podcast Hosts

Gabe Howard is an award-winning writer and speaker who lives with bipolar disorder. He is the author of the popular book, Mental Illness is an Asshole and other Observations, available from Amazon; signed copies are also available directly from Gabe Howard. To learn more, please visit his website, gabehoward.com.

        Jackie Zimmerman has been in the patient advocacy game for over a decade and has established herself as an authority on chronic illness, patient-centric healthcare, and patient community building. She lives with multiple sclerosis, ulcerative colitis, and depression.

You can find her online at JackieZimmerman.co, Twitter, Facebook, and LinkedIn.

    Computer Generated Transcript for “Panicked Over Money” Episode

Editor’s Note: Please be mindful that this transcript has been computer generated and therefore may contain inaccuracies and grammar errors. Thank you.

Announcer: You’re listening to Not Crazy, a Psych Central podcast. And here are your hosts, Jackie Zimmerman and Gabe Howard.

Gabe: Hey, everyone, and welcome to this week’s episode of the Not Crazy podcast. I would like to introduce my co-host, Jackie Zimmerman, who lives with major depression and anxiety disorders.

Jackie: And you know this guy, Gabe Howard, who lives with bipolar disorder.

Gabe: Jackie, we’ve been friends for a while now, we’ve been doing this show for several months and I decided that I want to risk all of that by talking about the one subject that causes more fights than any other subject known to man.

Jackie: And what would that be?

Gabe: Money. I want to talk about money.

Jackie: Money, money, money.

Gabe: So in a recent poll, the three things that married couples fight about more than anything else are family, religion and money. And I would argue that money is at the top because nobody is taking people like onto the People’s Court or Judge Judy to sue over political and religious differences. Money is everywhere. If you talk to anybody, literally just go grab a stranger on the street. Be like, hey, you ever lost a friend over $10? Almost everybody will have a story of a friendship that just imploded over what we would consider a small amount of money. Money just creates an intense amount of anxiety in our society.

Jackie: And the thing that I think is unique about money and anxiety is that it’s something that I would assume everybody experiences, not just people who are prone to anxiety, not just people who live with mental illness, but everyone has had some kind of issue with money that has given them anxiety.

Gabe: When I was younger, I used to watch golf with my grandfather and, you know, they always do these expose on the multi-millionaire golfers, and they were interviewing one of them and they said, hey, when you have a putt and if you make the putt, you win $100,000 and if you don’t make it, you lose $100,000, does that cause you anxiety? Does that make you nervous? And the guy said, you know, the most nervous I’ve ever been playing golf is when I bet another golfer a hundred dollars that I could make this putt and I didn’t have the hundred dollars in my pocket. That really spoke to me because it wasn’t the amount of money anymore. It was the awkwardness of discussing the money, finding the money, figuring out the money like this is what gave this guy anxiety. And again, he’s famous. I don’t know, maybe it was just a cute story he was telling, but that makes sense to me. You ever been in line and been a dollar short? Like, how embarrassing is that when you thinking that everybody in the store is like over on register five, there’s a tall, fat redhead that does not have one dollar to pay for his groceries.

Jackie: I can feel that because if you’ve ever had your credit card declined for any reason, your debit card and you want to justify it. I know there’s money on there. That’s so weird. I just used it like I just got paid. I swear I’m not a poor person. There’s this like panic where you just want to justify why it didn’t work. And my assumption is all of this comes from the scarcity model, right? We’re all afraid of not having enough. What happens when we don’t have enough? So how hard do we have to work to get enough? What if we’re working really hard and we still don’t have enough? And the anxiety around all of that of how much do you have? What happens when it’s gone? I think is something that is underlying in our society and in everybody but amplified for those who live with any kind of illness. Because for me specifically, when I worked at a big, fat corporate job and I made all kinds of money, all I thought to myself was, I’m staying here forever. So that way I make so much money that I never have to worry about what happens if I actually can’t work again because I will just bank so much money. I’ll have so much. I’ll always pay my health insurance. I’ll always have all of this stuff. And spoiler alert, I don’t work there anymore. I didn’t bank any money when I did work there. But when you have an illness, whatever kind it is, you’re worried about money not just because of normal reasons, but you’re worried about like, what if I can’t work forever? What if I can’t pay my health insurance? What if I can’t afford to be healthy?

Gabe: There’s a meme that works its way around the Internet that always says that we’re all three bad months away from being homeless. I don’t know if that’s true for all of us, but that really spoke to me because it took about three bad months to really put me in a bad way where I started to need help. On an interesting side note, none of us are three months away from being millionaires. So I think that we need to take that into account when we’re determining how to like maybe, you know, structure our health insurance and things like that. But but wrong. Wrong show. We’ll just put that aside for a moment. But think about this. The whole world is discussing being three bad months away from homelessness. Whether or not that holds up is really irrelevant. I think that does speak to the majority of people. Now, let’s apply that to people living with mental illness, people managing a life long and chronic disorder, because I know that if I couldn’t afford my medication, if I couldn’t afford therapy, if I couldn’t have afforded hospitalizations and on and on and on. Gabe Howard would not be sitting here. That’s just a hard fact. Yes, I worked hard. Yes, I have a loving family. But you know what really saved me? Resources and that resource all boiled down to hundred dollar bills. And that’s sad.

Jackie: The catalyst for this specific episode was from about a week ago, I sent Gabe a text and basically I had a full blown anxiety meltdown because my husband had called me and said, oh my God, our health insurance doubled on my last paycheck. And I said, wait, what do you mean it doubled? They didn’t tell us that. Like, they obviously would communicate that because that’s what normal people think happens in the world. But they didn’t. They just took it out of his check and it was doubled. And I panicked. And I have not had an actual panic attack in, I can’t tell you how long, but I felt it. It was the heart racing, soul crushing. Can’t breathe like, oh, my God, what are we going to do? Because we are people right now who are living pretty paycheck to paycheck. And that is even questionable because I don’t know when my paychecks are coming in, because I work for myself and I don’t have regular paychecks. And my husband took a pay cut a year ago to take the job he’s at now. So all of this is spiraling around my head and I’m like, how are we gonna do this? This is $400 we didn’t know we needed and I could just work harder. But where am I going to find the clients? Just, you know, anxiety spiral talk in your head. And I reached out to Gabe because we were already talking. I said, hey, I know you’re telling me something important right now, but I’m not really listening honestly, because I’m worried about this health insurance thing. And I realized in that moment how money is something that can cause high anxiety. And within a split second, like he sent me that text about our health insurance doubling. And almost immediately I was in a full blown panic about it.

Gabe: There’s so many directions that we can take this, and that makes me excited. I love it when Jackie, says, oh my God, X, and I’m like, Oh my God, we can do y z bat symbol. So we might have to create multiple timelines. And let me ask you multiple questions about this, because the first question that I’m going to ask you is if your health insurance would have doubled and you had a million dollars in the bank, would it have bothered you at all?

Jackie: Me today thinks no, but I also think that people who have a million dollars in the bank are really good about money and any sort of unexpected expense that comes up, they’re upset about it also.

Gabe: I understand what you’re saying because paying attention to our resources is a vital part of money management. But a year ago I was sitting on my couch at like 2:00 in the morning and it was storming and I felt a drop of water on my head. And I looked up and the roof was leaking like leaking a lot. And I saw all of this damage. And I thought, oh, well, that’s a bummer. And I went to bed. I just went to bed. That’s it. There was nothing I could do about it. I couldn’t stop the rain. I don’t know how to fix a roof. I don’t know how to fix a ceiling. But the reason that I didn’t freak out and panic is because I had the money. I flat out had the money. I knew that I could afford to fix it. There was nothing I could do. And I slept well. And I think about this because I think about Gabe when he was in the little six hundred square foot apartment living paycheck to paycheck with a thirty five hundred dollar deductible. And anytime my car made a noise, I just white knuckled because I couldn’t afford it. When oil change time came around, I thought, shoot. Where am I gonna get 30 bucks? Because it was hard. It was so hard. And I want to point out and this is where I want to go back to the timeline again. You were perfectly healthy. You weren’t having a medical problem. This was just an expense that rose in price. Right?

Jackie: Correct.

Gabe: So now imagine if the text message you got was from your doctor that you needed to go on a different medication that wasn’t on generic and therefore cost five hundred dollars a month versus the $10 co-pay. Or imagine if you were just diagnosed with bipolar disorder, major depression, schizophrenia, psychosis, and they were recommending an outpatient treatment program where the deductible was thirty five hundred dollars. And I can’t help but notice in all of these scenarios where we get diagnosed with all of these awful things, we all have health insurance. Some of the health insurance are better than others, but health insurance is always present. Now, imagine that you get diagnosed with a serious mental illness or I don’t know, is there such a thing as not a serious mental illness? And you have no health insurance? Because I know that my inpatient hospitalization. What, 17 years ago cost like $80,000. It didn’t cost me because I had health insurance. And I thought that was normal.

Jackie: I think this is a good time to point out, Gabe and I, we both understand our privilege in this conversation. You know, like I can make my bills and I do have health insurance. Gabe, same for him. And I can only imagine what it’s like in this moment where you’re choosing between paying for health insurance and feeding your kids or one of those other really intensely awful choices you have to make in terms of what to do with this small amount of money that you make. Granted, if our health insurance. Rewinding for a minute, our health insurance didn’t double. They just had an error on his paycheck, which is like makes me want to write them a heavily-worded note about how rude and anxiety-causing that was. However, if it did double, we would have to make some really, really difficult changes. Not difficult in which kid to feed? Kind of difficult. But where do we rearrange money? The reality is we probably could have found it, but it would have changed the way we live our lives. It would have changed what we do with our time and our energy. And I would have honestly had to work a lot harder to make up for that money. I would’ve had to find more clients. But it’s not lost on me that that is an option that I have is to go find more work. So I want to be cognizant of that in this conversation that Gabe and I both have the ability to figure it out pretty flawlessly in these situations for the people who don’t have the ability to figure it out or they can’t or they’re already working their ass off so hard that making more money is just not an option right now. Like I see you, I have no advice for you. None whatsoever. But I recognize that money and anxiety is significantly more prominent when you don’t have the ability to just get more money.

Gabe: And this is the multiple time line that I want to reconnect back to the beginning. So Jackie, finds out that her bills go up and she freaks out and things. OK, how am I going to find more money? But ultimately, I can do it. If it happened to me and it went up, I’d be like, well, that sucks. I would rather spend the money on something else. But ultimately, I have excess income. I’m fortunate I have more budget, so I’ll just bitch about it to my friends that, ugh, the cost of health insurance is ridiculous and not lose an iota of sleep. Somebody else is like you have health insurance that can go up top. How lucky are you? I would kill to have health insurance at all, let alone have it doubled. And then other people are just so rich that they’re like, I don’t have health insurance. I just pay for everything in cash, because I’m Bill Gates and Jeff Bezos’ lovechild that gets one hundred and eighty five billion dollars allowance a day. And then there’s people that are I don’t even know what the right word is for it.

Gabe: They have a level of financial insecurity that I can’t even adequately explain. And any explanation that I gave would just make me an asshole. There’s really no other way that I can put it. They don’t have a six month wait for a psychiatrist. They’re not even they don’t even have enough money to make the list. And all of us. And this is the takeaway. We’re all fighting each other. We all have mental illness. We all have mental health problems. We’re all trying to figure out how to make it through. And instead of figuring out how to make resources more abundant and accessible for all of us, we’re all like Jackie, she got health insurance complaining about the price. Or, well, she’s so rich, it doesn’t matter. Oh, well, he said he doesn’t even care if his roof falls and he just goes to bed. And that becomes the talking point. I really think that we need to come together on this one and find out why it is not accessible regardless of your socioeconomic status.

Jackie: I don’t know that I totally agree with you. And that’s because I think that if you’re somebody listening to this podcast and you’re going, wow, that asshole is complaining that their health insurance went up and I don’t even have health insurance. Honestly, I don’t think they’re that worried about me and judging me. I think they’re going. I don’t have fucking health insurance and I don’t know how I’m going to make things happen. I agree that obviously we should find a way to like pool resources or ideas and make things happen together. But my assumption and if you are a if you’re that wealthy listener, please sponsor us. We really could use your help right now. But if you’re not that wealthy person and you’re everybody else listening, I don’t think people are necessarily holding grudges against other people in this space. I think everybody’s just trying to survive.

Gabe: That’s a really good point, Jackie. But what bothers me is that what we all have in common is that we’re all fighting really, really hard to survive. And I do think that we determine how much effort the person is putting into survival based on the resources at their disposal. And that’s what I would like to remove. I don’t know that I worked any harder to survive because I had a lot of resources. I just think I didn’t have to work as hard. And I think that society judges people on the lower end of the socio economic status very, very harshly. They say things like, well, why don’t you have savings? Why didn’t you save for a rainy day? Because that’s not an option. That’s really not an option. They say things like, why won’t you be med compliant or why won’t you go see your doctor? They are trying to see a doctor. They’re on a 12 month waiting list for the free clinic. They can’t afford their medications because medications can cost thousands of dollars a year. And they’re choosing between eating, being homeless. And this goes back to something that we really need to discuss. And I’d really like your opinion on it. Jackie, sincerely if you, Jackie Zimmerman, had a choice between paying for safe housing, a safe place to live and food or your mental health care, which would you choose?

Jackie: I would choose a safe place to live. Hands down.

Gabe: And I think that most people would. And I think that we need to understand that many people are in this position.

Jackie: We’ll be right back after these messages.

Gabe: We’re back discussing money and anxiety.

Jackie: Gabe, you’re not wrong. Right? Like, these are all really good points that we need better access to health care. We need a better support system. We need all of these things. But if you’re somebody who doesn’t have any money right now, today, like, for example, I got a stat for you. We know that I love stats. There was a stat by the Royal College of Physicians, whoever the hell that is, that said that half of people with anxiety also have a problem with debt. So are you predisposed to one or the other? That’s not even talking about medical debt. That’s just talking about debt in general. So how do you get out of this kind of debt? How do you save if you’re not making any money? You can’t even pay your bills. How are you going to save these things?

Gabe: I’m not sure that there is an answer that doesn’t involve like high-level advocacy work and this is where I get stuck, Jackie. It really is where I get stuck. I you know, I don’t know. Marry well?

Jackie: That is one of the crux is of talking, is the plural of crux cruxes? I don’t know. That is a crux, we’ll say, of talking about money in general is that there is no one size fits. All right. Yes. Save more, make more done. Easy. But that is literally not an option for most people.

Gabe: Spend within your means, I love that one.

Jackie: Right? All that bullshit.

Gabe: Live within your means is the phrase that everybody uses, and depending on where you are on the socioeconomic ladder, that might mean to move down. You don’t need four Disney vacations a year. You don’t need a new car every year. Like that’s understandable, right? This could be really good advice for some people. We’re not saying that it’s not.

Jackie: I think it’s bullshit.

Gabe: We can all save a little more and clip another coupon. And we all don’t need to buy the biggest house that we can find. But like you said, it’s bullshit for a lot of people. It’s bullshit for a lot of people. They can’t. There’s no money to save. What do you have to say to those people? How are we going to relieve those folks’ anxiety, Jackie? I am afraid that somebody is going to listen to this and be like Gabe and Jackie said that I’m fucked. Their conclusion was I am fucked and I don’t know what to say to folks. And whenever we talk about money and anxiety and anxiety and money and driving it together, I think that people don’t want to dive deep into this. So they say platitudes like save for a rainy day. You don’t have to get dessert. Clip coupons. I use an app that tells me if Amazon has better prices. I’m not saying that any of these are bad ideas. But does it solve the big problem? For real, what is your coping mechanism for this, therapy guru Jackie.

Jackie: Well, for me personally, I use spreadsheets. I love a good spreadsheet one, because I am terrible with math and the spreadsheet will do math for me. So the way that I handle this is seeing all of the money and I won’t lie. Sometimes when you look at all of the money and all the way it’s being spent and how little money you actually have. It feels worse because you’re like, wow, I really have nothing. But then at least I know what I’m working with. I think in a lot of these situations, people don’t know actually what their overhead is in their life. Right? If you’re living outside your means, how do you know that if you don’t know what your actual means are? So I don’t have any great tips on how to get out of this situation, how to make more money, save more money. If I knew that, I’d be doing it myself. I don’t have that. But what I can say is for me, looking over it does help. Like pretending like it’s not there doesn’t help. Some people, I think, just go. I know that I can’t afford these things, so I just don’t think about it and then pretend it’s gonna go away. And I’m not going to say that’s a bad idea. If that helps you and you can get through your day by just not thinking about it. Maybe that’s the right choice for you.

Gabe: I am going to hardcore disagree with that. I see that as a short term solution.

Jackie: Oh, for sure.

Gabe: It sort of reminds me of, don’t open your bills on the weekends. I dig that. I dig that advice. It was it was advice that my grandmother had. She’s like, look, I don’t bank on the weekends. Weekends are for my family. I don’t open my credit card bills on the weekends. I didn’t want to tell her that, you know, now credit card bills or text messages where they send you every second of every day and maybe that has something to do with it. Maybe there’s a token of good advice in the advice that I just called bad. Which is that you need to have a time and place. Now is the time to manage money and now is the time to be present in other areas.

Jackie: Well, yes, obviously, I didn’t mean ignore it forever. That doesn’t solve anything, but like compartmentalizing what you’re doing with your money.

Gabe: I think that that is really, really good advice. I can get on board with that. Some other hints and tips that I want to give to people are self-advocacy is real advocacy. So often we have this desire to help other people that we don’t help ourselves. And you’re probably thinking, well, how can I help myself? And here’s how. Ask your doctor if they have a sliding scale. Ask your doctor if they have a zero interest payment plan. Google the medicines that you’re being prescribed and see if they have a prescription card that offers a discount. Many of the newer medications do, and it will reduce your co-pay in some cases from $300 all the way down to $10, but almost always by at least 50 percent. And this can make medications more affordable. Google free clinics. You may have to wait longer in the waiting room. In fact, you probably will have to wait longer in the waiting room. And that makes it not available to everybody. But if it is available to you, use it. There are ways that you can lower health care costs or get a payment plan that’s not at 29% interest or 22% interest. Like if you put it on a credit card, you do have to ask. They’re not offering it to people. I believe like Jackie, that taking control lowers anxiety because even if the thing around the corner is bad. I myself am less anxious if I know that it’s around the corner. It’s the things that pop out of the shadow at the last minute and go Boo! Those are the things that scare me the most. And finally, I don’t mean to steal Jackie’s thunder, but I kind of want to. Talk about your money anxiety in therapy. People don’t want to talk about money. Tell the people in your life that you’re anxious about money. Tell your therapist that you’re anxious about money. There is nothing wrong with being anxious about money.

Jackie: Thunder stolen 100%. I did talk about money in therapy last Friday, but I agree wholeheartedly. The idea of asking for help. Nobody is going to help you if you don’t ask for it in terms of reduced rates. I once got a $8,000 MRI for $10 because I asked for help. And then telling people, like Gabe said. I mean Gabe and I got together a couple of weeks ago and had a pretty in-depth conversation about money and he gave me some cool ideas I hadn’t thought about. I probably gave him zero ideas. But it was one of those things where just having a dialogue about money made it less scary to talk about money.

Gabe: We’re taught in our society not to discuss money. I don’t believe in this at all. I discuss money constantly. I discuss money with my family. I discuss money with my friends. And I believe this is why I have a different, and I’m going to say healthier relationship, with my finances. It’s also why I never pay too much for a car, because I know what all of my friends and family paid for their cars. I know the horror. But listen, your family may work differently, but your friends might not. And the Internet absolutely does not. Google the average cost of things. Google places that offer discount cards or lower end solutions. I am as shocked as anybody that I have gotten medical care at Wal-Mart, but I’m not going to lie. I’ve gotten medical care at Wal-Mart. The clinic there is fantastic. And it’s set up for people who need to pay less. And it helped me a lot when I needed help. There are lots and lots of those options. You just have to look around for them because they’re not the popular ones. They’re not the hospitals. They’re not the doctors. They’re not the ones that people commonly think about. All of these things can give you more control. Remember, having more control does not mean that negative consequences aren’t coming your way. It just means that you’re out in front of them. I believe that that’s empowering. I believe that matters. I believe that that will put you in a better position to deal with it. But most importantly, I believe that you’ll feel better when it’s all over. At least the negative thing didn’t get the satisfaction of yelling boo and scaring the shit out of you. And I think I really believe that from a personal empowerment perspective that has just a tremendous amount of value. Yes, the bad thing happened, but at least it didn’t trick you.

Jackie: And I believe circling back to the beginning that this is not going to be the last panic attack I have about money. But to Gabe’s point, I do try to get in front of it. I know what’s happening, which is why the unexpected cost made me lose my shit. But there is something to be said about being in control of it. And much like we’ve said about being a patient in general, nobody is going to advocate for you except for you. So this stands for how you handle your money, how you ask for help when you can’t cover your bills and how you move forward if you’re somebody who is in a position who literally cannot make any more money than they are currently making.

Gabe: Jackie, I couldn’t agree more, did discussing money with me make you anxious?

Jackie: I do not find discussing money with you to be anxiety-causing. And maybe it’s because we’ve developed a rapport based on brutal honesty. But I think this is one of those simple ways to take away the power that money has over us is just to talk about it.

Gabe: Listen up, everybody, we have some favors to ask of you, and don’t worry, it won’t cost you a dime. Wherever you downloaded this podcast, please subscribe, rank and review. Share us on social media. And when you do, tell people why they should listen. And if you have buddies and friends, email it to them. Tell them what to do. You know what? You should make it a full time career promoting the Not Crazy podcast. Jackie and I would love that. Stay tuned after the credits because hey, there’s outtakes and Jackie and I, we mess up a lot and we’ll see everybody next Monday.

Jackie: Have a great week.

Podcast: Panicked Over Finances? Why Money Influences our Mental Health syndicated from

[erraticfairy]

Podcast: Panicked Over Finances? Why Money Influences our Mental Health



  The rent is due tomorrow; but then you’ll be left with only $10 for the week’s groceries. What do you do? Many people panic over money (or the lack of it), but for those of us with mental illness, it can feel like a life or death situation: It can trigger an even greater anxiety attack and/or depression. Or it may mean not being able to afford the medication that keeps you well enough to work. What can be done?

In this Not Crazy episode, Gabe and Jackie discuss how you can gain a sense of control in these situations, and Jackie shares her own big money scare.

(Transcript Available Below)

SUBSCRIBE & REVIEW

About The Not Crazy Podcast Hosts

Gabe Howard is an award-winning writer and speaker who lives with bipolar disorder. He is the author of the popular book, Mental Illness is an Asshole and other Observations, available from Amazon; signed copies are also available directly from Gabe Howard. To learn more, please visit his website, gabehoward.com.

        Jackie Zimmerman has been in the patient advocacy game for over a decade and has established herself as an authority on chronic illness, patient-centric healthcare, and patient community building. She lives with multiple sclerosis, ulcerative colitis, and depression.

You can find her online at JackieZimmerman.co, Twitter, Facebook, and LinkedIn.

    Computer Generated Transcript for “Panicked Over Money” Episode

Editor’s Note: Please be mindful that this transcript has been computer generated and therefore may contain inaccuracies and grammar errors. Thank you.

Announcer: You’re listening to Not Crazy, a Psych Central podcast. And here are your hosts, Jackie Zimmerman and Gabe Howard.

Gabe: Hey, everyone, and welcome to this week’s episode of the Not Crazy podcast. I would like to introduce my co-host, Jackie Zimmerman, who lives with major depression and anxiety disorders.

Jackie: And you know this guy, Gabe Howard, who lives with bipolar disorder.

Gabe: Jackie, we’ve been friends for a while now, we’ve been doing this show for several months and I decided that I want to risk all of that by talking about the one subject that causes more fights than any other subject known to man.

Jackie: And what would that be?

Gabe: Money. I want to talk about money.

Jackie: Money, money, money.

Gabe: So in a recent poll, the three things that married couples fight about more than anything else are family, religion and money. And I would argue that money is at the top because nobody is taking people like onto the People’s Court or Judge Judy to sue over political and religious differences. Money is everywhere. If you talk to anybody, literally just go grab a stranger on the street. Be like, hey, you ever lost a friend over $10? Almost everybody will have a story of a friendship that just imploded over what we would consider a small amount of money. Money just creates an intense amount of anxiety in our society.

Jackie: And the thing that I think is unique about money and anxiety is that it’s something that I would assume everybody experiences, not just people who are prone to anxiety, not just people who live with mental illness, but everyone has had some kind of issue with money that has given them anxiety.

Gabe: When I was younger, I used to watch golf with my grandfather and, you know, they always do these expose on the multi-millionaire golfers, and they were interviewing one of them and they said, hey, when you have a putt and if you make the putt, you win $100,000 and if you don’t make it, you lose $100,000, does that cause you anxiety? Does that make you nervous? And the guy said, you know, the most nervous I’ve ever been playing golf is when I bet another golfer a hundred dollars that I could make this putt and I didn’t have the hundred dollars in my pocket. That really spoke to me because it wasn’t the amount of money anymore. It was the awkwardness of discussing the money, finding the money, figuring out the money like this is what gave this guy anxiety. And again, he’s famous. I don’t know, maybe it was just a cute story he was telling, but that makes sense to me. You ever been in line and been a dollar short? Like, how embarrassing is that when you thinking that everybody in the store is like over on register five, there’s a tall, fat redhead that does not have one dollar to pay for his groceries.

Jackie: I can feel that because if you’ve ever had your credit card declined for any reason, your debit card and you want to justify it. I know there’s money on there. That’s so weird. I just used it like I just got paid. I swear I’m not a poor person. There’s this like panic where you just want to justify why it didn’t work. And my assumption is all of this comes from the scarcity model, right? We’re all afraid of not having enough. What happens when we don’t have enough? So how hard do we have to work to get enough? What if we’re working really hard and we still don’t have enough? And the anxiety around all of that of how much do you have? What happens when it’s gone? I think is something that is underlying in our society and in everybody but amplified for those who live with any kind of illness. Because for me specifically, when I worked at a big, fat corporate job and I made all kinds of money, all I thought to myself was, I’m staying here forever. So that way I make so much money that I never have to worry about what happens if I actually can’t work again because I will just bank so much money. I’ll have so much. I’ll always pay my health insurance. I’ll always have all of this stuff. And spoiler alert, I don’t work there anymore. I didn’t bank any money when I did work there. But when you have an illness, whatever kind it is, you’re worried about money not just because of normal reasons, but you’re worried about like, what if I can’t work forever? What if I can’t pay my health insurance? What if I can’t afford to be healthy?

Gabe: There’s a meme that works its way around the Internet that always says that we’re all three bad months away from being homeless. I don’t know if that’s true for all of us, but that really spoke to me because it took about three bad months to really put me in a bad way where I started to need help. On an interesting side note, none of us are three months away from being millionaires. So I think that we need to take that into account when we’re determining how to like maybe, you know, structure our health insurance and things like that. But but wrong. Wrong show. We’ll just put that aside for a moment. But think about this. The whole world is discussing being three bad months away from homelessness. Whether or not that holds up is really irrelevant. I think that does speak to the majority of people. Now, let’s apply that to people living with mental illness, people managing a life long and chronic disorder, because I know that if I couldn’t afford my medication, if I couldn’t afford therapy, if I couldn’t have afforded hospitalizations and on and on and on. Gabe Howard would not be sitting here. That’s just a hard fact. Yes, I worked hard. Yes, I have a loving family. But you know what really saved me? Resources and that resource all boiled down to hundred dollar bills. And that’s sad.

Jackie: The catalyst for this specific episode was from about a week ago, I sent Gabe a text and basically I had a full blown anxiety meltdown because my husband had called me and said, oh my God, our health insurance doubled on my last paycheck. And I said, wait, what do you mean it doubled? They didn’t tell us that. Like, they obviously would communicate that because that’s what normal people think happens in the world. But they didn’t. They just took it out of his check and it was doubled. And I panicked. And I have not had an actual panic attack in, I can’t tell you how long, but I felt it. It was the heart racing, soul crushing. Can’t breathe like, oh, my God, what are we going to do? Because we are people right now who are living pretty paycheck to paycheck. And that is even questionable because I don’t know when my paychecks are coming in, because I work for myself and I don’t have regular paychecks. And my husband took a pay cut a year ago to take the job he’s at now. So all of this is spiraling around my head and I’m like, how are we gonna do this? This is $400 we didn’t know we needed and I could just work harder. But where am I going to find the clients? Just, you know, anxiety spiral talk in your head. And I reached out to Gabe because we were already talking. I said, hey, I know you’re telling me something important right now, but I’m not really listening honestly, because I’m worried about this health insurance thing. And I realized in that moment how money is something that can cause high anxiety. And within a split second, like he sent me that text about our health insurance doubling. And almost immediately I was in a full blown panic about it.

Gabe: There’s so many directions that we can take this, and that makes me excited. I love it when Jackie, says, oh my God, X, and I’m like, Oh my God, we can do y z bat symbol. So we might have to create multiple timelines. And let me ask you multiple questions about this, because the first question that I’m going to ask you is if your health insurance would have doubled and you had a million dollars in the bank, would it have bothered you at all?

Jackie: Me today thinks no, but I also think that people who have a million dollars in the bank are really good about money and any sort of unexpected expense that comes up, they’re upset about it also.

Gabe: I understand what you’re saying because paying attention to our resources is a vital part of money management. But a year ago I was sitting on my couch at like 2:00 in the morning and it was storming and I felt a drop of water on my head. And I looked up and the roof was leaking like leaking a lot. And I saw all of this damage. And I thought, oh, well, that’s a bummer. And I went to bed. I just went to bed. That’s it. There was nothing I could do about it. I couldn’t stop the rain. I don’t know how to fix a roof. I don’t know how to fix a ceiling. But the reason that I didn’t freak out and panic is because I had the money. I flat out had the money. I knew that I could afford to fix it. There was nothing I could do. And I slept well. And I think about this because I think about Gabe when he was in the little six hundred square foot apartment living paycheck to paycheck with a thirty five hundred dollar deductible. And anytime my car made a noise, I just white knuckled because I couldn’t afford it. When oil change time came around, I thought, shoot. Where am I gonna get 30 bucks? Because it was hard. It was so hard. And I want to point out and this is where I want to go back to the timeline again. You were perfectly healthy. You weren’t having a medical problem. This was just an expense that rose in price. Right?

Jackie: Correct.

Gabe: So now imagine if the text message you got was from your doctor that you needed to go on a different medication that wasn’t on generic and therefore cost five hundred dollars a month versus the $10 co-pay. Or imagine if you were just diagnosed with bipolar disorder, major depression, schizophrenia, psychosis, and they were recommending an outpatient treatment program where the deductible was thirty five hundred dollars. And I can’t help but notice in all of these scenarios where we get diagnosed with all of these awful things, we all have health insurance. Some of the health insurance are better than others, but health insurance is always present. Now, imagine that you get diagnosed with a serious mental illness or I don’t know, is there such a thing as not a serious mental illness? And you have no health insurance? Because I know that my inpatient hospitalization. What, 17 years ago cost like $80,000. It didn’t cost me because I had health insurance. And I thought that was normal.

Jackie: I think this is a good time to point out, Gabe and I, we both understand our privilege in this conversation. You know, like I can make my bills and I do have health insurance. Gabe, same for him. And I can only imagine what it’s like in this moment where you’re choosing between paying for health insurance and feeding your kids or one of those other really intensely awful choices you have to make in terms of what to do with this small amount of money that you make. Granted, if our health insurance. Rewinding for a minute, our health insurance didn’t double. They just had an error on his paycheck, which is like makes me want to write them a heavily-worded note about how rude and anxiety-causing that was. However, if it did double, we would have to make some really, really difficult changes. Not difficult in which kid to feed? Kind of difficult. But where do we rearrange money? The reality is we probably could have found it, but it would have changed the way we live our lives. It would have changed what we do with our time and our energy. And I would have honestly had to work a lot harder to make up for that money. I would’ve had to find more clients. But it’s not lost on me that that is an option that I have is to go find more work. So I want to be cognizant of that in this conversation that Gabe and I both have the ability to figure it out pretty flawlessly in these situations for the people who don’t have the ability to figure it out or they can’t or they’re already working their ass off so hard that making more money is just not an option right now. Like I see you, I have no advice for you. None whatsoever. But I recognize that money and anxiety is significantly more prominent when you don’t have the ability to just get more money.

Gabe: And this is the multiple time line that I want to reconnect back to the beginning. So Jackie, finds out that her bills go up and she freaks out and things. OK, how am I going to find more money? But ultimately, I can do it. If it happened to me and it went up, I’d be like, well, that sucks. I would rather spend the money on something else. But ultimately, I have excess income. I’m fortunate I have more budget, so I’ll just bitch about it to my friends that, ugh, the cost of health insurance is ridiculous and not lose an iota of sleep. Somebody else is like you have health insurance that can go up top. How lucky are you? I would kill to have health insurance at all, let alone have it doubled. And then other people are just so rich that they’re like, I don’t have health insurance. I just pay for everything in cash, because I’m Bill Gates and Jeff Bezos’ lovechild that gets one hundred and eighty five billion dollars allowance a day. And then there’s people that are I don’t even know what the right word is for it.

Gabe: They have a level of financial insecurity that I can’t even adequately explain. And any explanation that I gave would just make me an asshole. There’s really no other way that I can put it. They don’t have a six month wait for a psychiatrist. They’re not even they don’t even have enough money to make the list. And all of us. And this is the takeaway. We’re all fighting each other. We all have mental illness. We all have mental health problems. We’re all trying to figure out how to make it through. And instead of figuring out how to make resources more abundant and accessible for all of us, we’re all like Jackie, she got health insurance complaining about the price. Or, well, she’s so rich, it doesn’t matter. Oh, well, he said he doesn’t even care if his roof falls and he just goes to bed. And that becomes the talking point. I really think that we need to come together on this one and find out why it is not accessible regardless of your socioeconomic status.

Jackie: I don’t know that I totally agree with you. And that’s because I think that if you’re somebody listening to this podcast and you’re going, wow, that asshole is complaining that their health insurance went up and I don’t even have health insurance. Honestly, I don’t think they’re that worried about me and judging me. I think they’re going. I don’t have fucking health insurance and I don’t know how I’m going to make things happen. I agree that obviously we should find a way to like pool resources or ideas and make things happen together. But my assumption and if you are a if you’re that wealthy listener, please sponsor us. We really could use your help right now. But if you’re not that wealthy person and you’re everybody else listening, I don’t think people are necessarily holding grudges against other people in this space. I think everybody’s just trying to survive.

Gabe: That’s a really good point, Jackie. But what bothers me is that what we all have in common is that we’re all fighting really, really hard to survive. And I do think that we determine how much effort the person is putting into survival based on the resources at their disposal. And that’s what I would like to remove. I don’t know that I worked any harder to survive because I had a lot of resources. I just think I didn’t have to work as hard. And I think that society judges people on the lower end of the socio economic status very, very harshly. They say things like, well, why don’t you have savings? Why didn’t you save for a rainy day? Because that’s not an option. That’s really not an option. They say things like, why won’t you be med compliant or why won’t you go see your doctor? They are trying to see a doctor. They’re on a 12 month waiting list for the free clinic. They can’t afford their medications because medications can cost thousands of dollars a year. And they’re choosing between eating, being homeless. And this goes back to something that we really need to discuss. And I’d really like your opinion on it. Jackie, sincerely if you, Jackie Zimmerman, had a choice between paying for safe housing, a safe place to live and food or your mental health care, which would you choose?

Jackie: I would choose a safe place to live. Hands down.

Gabe: And I think that most people would. And I think that we need to understand that many people are in this position.

Jackie: We’ll be right back after these messages.

Gabe: We’re back discussing money and anxiety.

Jackie: Gabe, you’re not wrong. Right? Like, these are all really good points that we need better access to health care. We need a better support system. We need all of these things. But if you’re somebody who doesn’t have any money right now, today, like, for example, I got a stat for you. We know that I love stats. There was a stat by the Royal College of Physicians, whoever the hell that is, that said that half of people with anxiety also have a problem with debt. So are you predisposed to one or the other? That’s not even talking about medical debt. That’s just talking about debt in general. So how do you get out of this kind of debt? How do you save if you’re not making any money? You can’t even pay your bills. How are you going to save these things?

Gabe: I’m not sure that there is an answer that doesn’t involve like high-level advocacy work and this is where I get stuck, Jackie. It really is where I get stuck. I you know, I don’t know. Marry well?

Jackie: That is one of the crux is of talking, is the plural of crux cruxes? I don’t know. That is a crux, we’ll say, of talking about money in general is that there is no one size fits. All right. Yes. Save more, make more done. Easy. But that is literally not an option for most people.

Gabe: Spend within your means, I love that one.

Jackie: Right? All that bullshit.

Gabe: Live within your means is the phrase that everybody uses, and depending on where you are on the socioeconomic ladder, that might mean to move down. You don’t need four Disney vacations a year. You don’t need a new car every year. Like that’s understandable, right? This could be really good advice for some people. We’re not saying that it’s not.

Jackie: I think it’s bullshit.

Gabe: We can all save a little more and clip another coupon. And we all don’t need to buy the biggest house that we can find. But like you said, it’s bullshit for a lot of people. It’s bullshit for a lot of people. They can’t. There’s no money to save. What do you have to say to those people? How are we going to relieve those folks’ anxiety, Jackie? I am afraid that somebody is going to listen to this and be like Gabe and Jackie said that I’m fucked. Their conclusion was I am fucked and I don’t know what to say to folks. And whenever we talk about money and anxiety and anxiety and money and driving it together, I think that people don’t want to dive deep into this. So they say platitudes like save for a rainy day. You don’t have to get dessert. Clip coupons. I use an app that tells me if Amazon has better prices. I’m not saying that any of these are bad ideas. But does it solve the big problem? For real, what is your coping mechanism for this, therapy guru Jackie.

Jackie: Well, for me personally, I use spreadsheets. I love a good spreadsheet one, because I am terrible with math and the spreadsheet will do math for me. So the way that I handle this is seeing all of the money and I won’t lie. Sometimes when you look at all of the money and all the way it’s being spent and how little money you actually have. It feels worse because you’re like, wow, I really have nothing. But then at least I know what I’m working with. I think in a lot of these situations, people don’t know actually what their overhead is in their life. Right? If you’re living outside your means, how do you know that if you don’t know what your actual means are? So I don’t have any great tips on how to get out of this situation, how to make more money, save more money. If I knew that, I’d be doing it myself. I don’t have that. But what I can say is for me, looking over it does help. Like pretending like it’s not there doesn’t help. Some people, I think, just go. I know that I can’t afford these things, so I just don’t think about it and then pretend it’s gonna go away. And I’m not going to say that’s a bad idea. If that helps you and you can get through your day by just not thinking about it. Maybe that’s the right choice for you.

Gabe: I am going to hardcore disagree with that. I see that as a short term solution.

Jackie: Oh, for sure.

Gabe: It sort of reminds me of, don’t open your bills on the weekends. I dig that. I dig that advice. It was it was advice that my grandmother had. She’s like, look, I don’t bank on the weekends. Weekends are for my family. I don’t open my credit card bills on the weekends. I didn’t want to tell her that, you know, now credit card bills or text messages where they send you every second of every day and maybe that has something to do with it. Maybe there’s a token of good advice in the advice that I just called bad. Which is that you need to have a time and place. Now is the time to manage money and now is the time to be present in other areas.

Jackie: Well, yes, obviously, I didn’t mean ignore it forever. That doesn’t solve anything, but like compartmentalizing what you’re doing with your money.

Gabe: I think that that is really, really good advice. I can get on board with that. Some other hints and tips that I want to give to people are self-advocacy is real advocacy. So often we have this desire to help other people that we don’t help ourselves. And you’re probably thinking, well, how can I help myself? And here’s how. Ask your doctor if they have a sliding scale. Ask your doctor if they have a zero interest payment plan. Google the medicines that you’re being prescribed and see if they have a prescription card that offers a discount. Many of the newer medications do, and it will reduce your co-pay in some cases from $300 all the way down to $10, but almost always by at least 50 percent. And this can make medications more affordable. Google free clinics. You may have to wait longer in the waiting room. In fact, you probably will have to wait longer in the waiting room. And that makes it not available to everybody. But if it is available to you, use it. There are ways that you can lower health care costs or get a payment plan that’s not at 29% interest or 22% interest. Like if you put it on a credit card, you do have to ask. They’re not offering it to people. I believe like Jackie, that taking control lowers anxiety because even if the thing around the corner is bad. I myself am less anxious if I know that it’s around the corner. It’s the things that pop out of the shadow at the last minute and go Boo! Those are the things that scare me the most. And finally, I don’t mean to steal Jackie’s thunder, but I kind of want to. Talk about your money anxiety in therapy. People don’t want to talk about money. Tell the people in your life that you’re anxious about money. Tell your therapist that you’re anxious about money. There is nothing wrong with being anxious about money.

Jackie: Thunder stolen 100%. I did talk about money in therapy last Friday, but I agree wholeheartedly. The idea of asking for help. Nobody is going to help you if you don’t ask for it in terms of reduced rates. I once got a $8,000 MRI for $10 because I asked for help. And then telling people, like Gabe said. I mean Gabe and I got together a couple of weeks ago and had a pretty in-depth conversation about money and he gave me some cool ideas I hadn’t thought about. I probably gave him zero ideas. But it was one of those things where just having a dialogue about money made it less scary to talk about money.

Gabe: We’re taught in our society not to discuss money. I don’t believe in this at all. I discuss money constantly. I discuss money with my family. I discuss money with my friends. And I believe this is why I have a different, and I’m going to say healthier relationship, with my finances. It’s also why I never pay too much for a car, because I know what all of my friends and family paid for their cars. I know the horror. But listen, your family may work differently, but your friends might not. And the Internet absolutely does not. Google the average cost of things. Google places that offer discount cards or lower end solutions. I am as shocked as anybody that I have gotten medical care at Wal-Mart, but I’m not going to lie. I’ve gotten medical care at Wal-Mart. The clinic there is fantastic. And it’s set up for people who need to pay less. And it helped me a lot when I needed help. There are lots and lots of those options. You just have to look around for them because they’re not the popular ones. They’re not the hospitals. They’re not the doctors. They’re not the ones that people commonly think about. All of these things can give you more control. Remember, having more control does not mean that negative consequences aren’t coming your way. It just means that you’re out in front of them. I believe that that’s empowering. I believe that matters. I believe that that will put you in a better position to deal with it. But most importantly, I believe that you’ll feel better when it’s all over. At least the negative thing didn’t get the satisfaction of yelling boo and scaring the shit out of you. And I think I really believe that from a personal empowerment perspective that has just a tremendous amount of value. Yes, the bad thing happened, but at least it didn’t trick you.

Jackie: And I believe circling back to the beginning that this is not going to be the last panic attack I have about money. But to Gabe’s point, I do try to get in front of it. I know what’s happening, which is why the unexpected cost made me lose my shit. But there is something to be said about being in control of it. And much like we’ve said about being a patient in general, nobody is going to advocate for you except for you. So this stands for how you handle your money, how you ask for help when you can’t cover your bills and how you move forward if you’re somebody who is in a position who literally cannot make any more money than they are currently making.

Gabe: Jackie, I couldn’t agree more, did discussing money with me make you anxious?

Jackie: I do not find discussing money with you to be anxiety-causing. And maybe it’s because we’ve developed a rapport based on brutal honesty. But I think this is one of those simple ways to take away the power that money has over us is just to talk about it.

Gabe: Listen up, everybody, we have some favors to ask of you, and don’t worry, it won’t cost you a dime. Wherever you downloaded this podcast, please subscribe, rank and review. Share us on social media. And when you do, tell people why they should listen. And if you have buddies and friends, email it to them. Tell them what to do. You know what? You should make it a full time career promoting the Not Crazy podcast. Jackie and I would love that. Stay tuned after the credits because hey, there’s outtakes and Jackie and I, we mess up a lot and we’ll see everybody next Monday.

Jackie: Have a great week.

from World of Psychology https://ift.tt/2HS0nJq via theshiningmind.com

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How much does my car insurance go up after speeding ticket? ?

Will I make my bf's parents' car insurance rates go up?

I've lived with my boyfriend and his family for a little over a year now(I pay rent). I am 19 and do not have my license. I have relied on carpools and the bus so it wasn't an issue. Now, I am planning to buy a used car, take the road test and get my own auto insurance. The thing is, they would most likely complain if this would increase their rates. I wish I could just pay a high rate alone- what would be the difference if I just rented a room in a strangers house??lol. I think that it would affect them, but does anyone know for sure?""

Cheap car insurance...who are you with?

i am looking for cheap car insurance for my two cars. i had my license since i was 18 and now im 20. i have no tickets and i need to find insurance please help me....who do u have and how much do u pay?

Which insurance company or agent offers the cheapest auto insurance policies in Miami?

Which insurance company or agent offers the cheapest auto insurance policies in Miami?

Cost to insure a Bentley?

For a school project, we have to estimate the price of insurance for a speicific car. How much would it cost to insure a 2012 Bentley Continental GT? (approx.) I can't call my insurance company, I'm 14. Thanks!""

Do I need to have insurance on my leased car even though im not going to use it?

I'm leaving the country and will leave my car in my garage. I will be returning the plates as well. I dont want to pay insurance on a car im not using.

I'm trying to convince a priest to buy car insurance?

I went to the church for the first time since passover a week ago and, being a car insurance salesman, I turned a conversation about sacred divinity of the Lord Jesus Christ into a conversation about low, low premiums on your car insurance. The Priest nodded respectively but kept trying to turn the conversation back to that long-dead carpenter. He was all like You know what's the best hell insurance? Jesus. and I was trying so damn hard, but he wouldn't budge. I converted to catholicism just to try to sell him insurance, I confessed my deepest darkest sins just so I could get him the lowest, fairest rates. I don't know if I can stomach another communiun cracker or resist making another molestation joke. I'm always like, What about your wife Father Connely, does she need car insurance? and he says Priests aren't allowed to have wives, sir. This f**king guy is impossible! I would rather be crucified than deal with this tough-as-nails-in-Jesus' hands customer for another second! I hope Heaven doesn't exist so I don't have to deal with this prick for an eternity! I've called him four times a day for the last week, but he always coerces me into talking about my sins, my trials and tribulations and i'm like, F**K! What do I do?""

Is it cheaper to get insured on your parents insurance?

Is it cheaper to get insured on your parents insurance?

Does anyone know of anykind of affordable health insurance for my mother?

She is age 62, never worked outside the home, and presently does not have health insurance...""

Cheap Car Insurance for Hobby Vehicle?

Hi, i've just completed a rally across europe, and i've fallen in love with one of the cars on it. Only thing is its not something i can afford to drive everyday, so i'm looking at getting the car (Vauxhall Calibra) and keeping it at home and just using it for shows and maybe a few drives in the country. Does anyone know of a cheap insurance company. Details are: Young Driver, 20, Student Limited millage (1500-2000 miles absolute tops) Vauxhall Calibra 2.0 16v I don't want it to go boy racing, just to look after and give me something to do!! My mate mentioned a insurance company in Ireland which gave him a quote on a Impreza turbo for like 700 (same age as me), but i can't remember the name of it. Only that its in ireland! Any help is really appreciated""

Question about Health Insurance??

I wanted to get added on to my husbands health insurance, but the secretary who works for the company he does(it's a small construction company) says I can't get added until open enrollment which is in June..is this true? How does that work? The insurance company is Blue Cross Blue Sheild. Is there only one enrollment per year?""

Car insurance - how to get a check direct?

Hi Folks My car got vandled recently. I want to get it fixed but my car mechanic does not work with my insurance company direct. Is there any way I can receive the check from insurance company and then pay the mechanic? I mean do I have to go through a body shop that work with the insurance directly? -Z

Got my speeding ticket removed but my insurance went up?

I got a speeding ticket, paid for it, and decided to get it removed off of my record so my insurance wouldn't find out. In my city, in order to do that you need to get an attorney and go to defensive driving class in order for it to be removed of your record. I got an attorney and paid $370 + $50 for traffic school and they sent me a letter from the court saying that my traffic violation was disposed of. But I just got my insurance bill and my rate had gone up by anyway! Do you have any suggestions on how I can lower it back to normal? I truly appreciate your help!""

What is the best affordable device to locate my vehicle asap if it was stolen?

Don't tell me cops or AAA it doesn't work

Which company is best for a first time driver to insure with ?

I am 17 in April and will be learning to drive and was wondering if anyone could recommend the best insurers Cheapest most reliable. please help ive been going round in circles.

""Moving to Toronto Canada, Need Car Insurance?""

I am moving to toronto, canada and looking to see what company provides the best coverage for the lowest cost as I understand insurance is privatized in Toronto.""

If you are on someone else's car insurance?

I was put onto a friends car insurance policy for 6 months... Is that the standard policy time frame or could you make it longer or shorter etc. based on your situation?

Did you know about a lost payee on your car insurance?

THE BANK CHARGED US A EXTRA $100 ON OUR CAR NOTE WITHOUT US KNOWING THEY SAY THEY SENT US A NOTICE BUT AT OUR OLD ADDRESS.NOW WE OWN THEM ABOUT $1200 WE READ OUR CONTRACT THEY CAN DO THIS WE HAVE TO SEND THE MONEY AND PUT THEM AS THE PAYEE ON THE INSURANCE FINE.WE DID THAT BUT THE PERSON AT THE BANK IS REAL NASTY TO MY WIFE THE EVEN THREATEN TO REPEO THE CAR IF WE DONT PAY THEY SAY WERE RE LIKE THREE MONTHS BEHIND DONE TO $100 DOLLOR FEE THEY WILL REFUND THE MONEY WHEN THEY ARE PUT ON THE INSURANCE AS THELOS-T PAYEE THEY WONT EVEN LET HER SPEAK TO A SUPERVISOR HAVE ANY BODY ELSE HAVE THIS PROBLEM.

Thinking of switching to Progressive Insurance?

Would like to know if anyone has Progressive Insurance for auto insurance. Would like to switch to them from Farmers because I can double my coverage for the same price as Farmers. Has anyone had problems with Progressive such as filing a claim? or rate increases for no reason. I have not had an accident in over 14 years, knock on wood. Just afraid if I switch my rates will go up for no reason. I know there is good and bad about Progressive. Any input would help. I live in California""

Advice on a supermoto/motard as a first bike for a 17 year old in the UK please?

I know bikes are cheaper in terms of insurance than a car, as my FIAT X1/9 I was planning on getting as a first car, as my dad already owned it, is north of 2500 to insure alone. Basically, please can someone advise me on a supermoto for a first time rider with relatively low insurance that cost about 2000 to buy, 2500 maximum. I really like the supermoto style, and its fairly cheap for my friend, I have a 19 year old friend with a modified supermoto YZF250 and pays only 400 per year. I think he has been riding since he was 17. I am clued of on cars and fairly knowledgeable of engines, but I lack the knowledge of the names of different bike, so finding it tricky, I have decided to post this. Preferably I like the idea of a small (cheap 125cc), but a single cylinder 4 stroke purely because of the noise, but if it has to be two stroke, I don't mind greatly. As long as I can do a little over 60mph to keep up with traffic on the faster roads roads, but not the motorways, it will cost less than 2000, but maybe a little over, and will not be overly expensive for a 17 year old, that will be ideal. I don't care of anything to rapid, as long as it is fast enough for the roads unlike a little 30mph moped, I just want a fun, cheap, roadworthy supermoto.""

Which insurance can my family get for this?

My sister is severely schizophrenic, and my mother is the only one in the family willing to deal with (ahem, work with...) her. However, my mother has HIV and stomach cancer, so we don't really know when she's going to die, but we're taking every precaution in the meantime. Which insurance can our family (my siblings and I. Our father is deceased.) get to ensure that my severely schizophrenic sister receives 24/7 inpatient medical care when my mother dies? We live in California, if that makes a difference. (and *don't* even bother with take classes and learn how to live with her. We all have our own lives, we've all decided she needs to be hospitalised permanently.) If there are no insurance plans that can ensure this, about how much would it cost to have her admitted and her care maintained? (An amount please, not just a whole lot .) Thanks. C=""

What is the best car insurance company for a graduate student?

What is the best car insurance company for a graduate student?

How can i get my car insurance down ?

I am 18, male, and just past my driving test, yeah the odds are against me already for insurance. I have Pass Plus, no convictions etc. I can't go under anyone's name because none of my parents drive. I work as a supervisor in retail. I live in Edinburgh and will be parking on a private driveway. No matter what car i choose, wheather it be a 1.6 Honda CRX Del DOL, the car I wanted (more chance of winning the lottery than getting insurance for it) or a crap 80's Fiat Panda 1.0 each quote is between 2,000 - 7,000, so should i just snap my Licence or is there something to bring it down ?""

How much will insurance be for the smart car that will be released in 2008 in the usa?

will there be a big from the other cars?

If i've registered for a car insurance quote before would it make a difference if i register a 2n?

I've registered before with Admiral and it was 2,375 on my own car, and I tried tonight on my mum's and it was over 3 grand. Do they keep your email address on file and look into this when giving you a quote? Or am i just being paranoid lol?""

Newport Kentucky Cheap car insurance quotes zip 41072

Newport Kentucky Cheap car insurance quotes zip 41072

What CAR Should A First Driver GET ? Also What Company For The Insurance To Be The Cheapest ?

Passed My Driving Test 2 Days Ago ! I am 22 ! what car should i get that is cheap on insurance too ? Please give me the names and for the insurance companies :)) Thanku

Best place for cheap car insurance?

where is the best and cheapest place for me to get car insurance at 17 years of age.....thanks to all that help.....car will be a vauxhaul corsa 1.0

Where can someone find health insurance if your not perfectly healthy?

my daughter is 25 and needs affordable health insurance

Do I need health insurance?

I am a healthy 20 year old male... I have a wife, who is also healthy, that really thinks we should get health insurance... My work offers a decent plan for $300 a month... I think this money could be put to better use... a savings account or something. The problem is of course, emergencies. I've seen plans that cover emergencies but only like 80% and they have a high deductible/monthly payment. Any suggestions/ideas??""

""How much money do you pay for insurance, and what is your age?""

I am 21 years old and I just got my license.I use to be a listed driver on my mother's geico policy a couple of years ago.But, I got caught driving without a parent in the car and my learners permit wa suspended. I now live in a diffrent state and have a license. I went on geico.com and my quote was $155 with the license violation included. I am pretty surprised because I thought people my age pay well over $200 for their policy. Maybe it is low because I was once an insured driver under my mother's policy?""

Does pass plus help new older drivers with cheap insurance?

Does pass plus help new older drivers with cheap insurance?

What types of policies have been losing money for insurance companies?

Are property insurance policies in Florida (Hurricane area) still costing insurance companies? Any other kinds?

What is the cheapest car to insure for a 17 year old newly passed driver ? ?

What is the cheapest car to insure for a 17 year old newly passed driver ? ?

Cheap Auto Insurance for a student?

Hi I wanted to know if you guys have any suggestions for Cheap Auto Insurance in Phoenix Arizona or preferrably Mesa Arizona. I'm a student and I got pulled over yesterday and the cop told me I had to get insurance if I wanted to be driving around so I need to get insurance asap. And I'm looking for cheap insurance. No full coverage or anything like that since I don't have much money. Maybe roughly around 30 dollars if possible. It's not a really new car so I don't think it'll be a problem. Any suggestions?

Do I need a canceled registration receipt from my license plates to get better car insurance rates?

My wife got into a car accident and totaled our car. i bent the license plates in half and canceled our policy. its been about 3-4 months and now we bought a new car and were trying to register again, but all the car insurance places are giving us high rates. i think its just cause we've gone so long without insurance but my wife thinks its because we didnt send the registry or the insurance place the receipt for canceling my plates (which i did online). so which is it?""

Auto Insurance for a non-owner in Michigan?

My son, who has never had a ticket or any violations at all, does not own a vehicle. He will occasionally drive my vehicle. I live in Ohio and have insurance on the car in Ohio. Is that ok? Does he also need to maintain some type of coverage in Michigan. I do not see that Michigan has something like a non-owner policy if you do not have any violations and are not required to have the SR22 policy.""

What kind of cars are good for teens insurance wise?

I know it depends on where I live and many other variables but I'd like to know in general what gets the best rates. I'm looking at a 1993 chevrolet s10 5speed with a 4.3l v6 right now but I don't know how the insurance would be on it yet. I'm 18 years old in Canada and I've been driving for 2 years total (1 year g1/permit 1 year g2 class license) and now I'm about to go for my full g license. What should I be looking for? import/domestic? engine size? number of cylinders? cars or light trucks? size of engine in relation to size of car? I thought I might get some relief on the s10 since it's domestic, manual (less people want to steal?), I can make some extra money at work, and since only 3 people can fit (originally a 2 seater) less people would be injured in an accident? I don't know, what do you think i should be looking for?""

Can I get my car back from the impound using anothers insurance?

Recently my car was impounded due to no insurance - stupid I know - and now I can't retrieve it without insurance. The problem is the only way I can get insurance now is if I pay for a full year, can't afford that much so I have very few options now available, if any. What I want to know is can I insure myself using someone else's insurance and retrieve the car that way? Will the police and impound accept this type of insurance? And will I even be insured due to what happened? Because of what happened I now have 6 points so I realise it will be difficult to get insured. Thanks and hope someone can help. By the way this happened in the UK.""

Cheapest place to get insured on a friends car?

I was insured for a week on a friends car, a 1.4 peugeot 206. on her policy and it was 22, i thought this was a little steep, as my car insurance only cost me 18 a month for my own car (when i had 1) and that was a 1.6 escort. whats the best option as i won't drive uninsured, and need to borrow her car again and her insurance company says they can't add me as a named driver as she has changed her policy 4 times already this year!""

Where to find cheap insurance in ontario?

I'm turning 22 had a Kawasaki Ninja 250R as a starter bike and looking to upgrade to something bigger. I have a clean record but any online quote I get for a bike 600cc or higher results in $10,000/year or higher in insurance. I see guys my age riding around all the time on R6s and CBR600RRs and I don't understand it. Am I missing something? Any suggestions would be greatly appreciated.""

Insurance question after engine blow up?

I was wondering, will insurance pay for damage to a car without being in accident? Let me give you example. What if I was driving on highway and my engine would blow up (not during racing, just cruising around), and I don't have manufacturers warranty anymore. Can I file claim, and will insurance pay for new engine?""

Insurance when buying 1st car?

How do i go about buying a car (private or dealer) without insurance to test drive it 1st, as i'll only get insurance once i know what car i will have (i live in the UK).""

Insurance on a 06 mustang?

I'm going to be 18 soon and I'm interested in an 06 mustang.. Even though I'm legally an adult, I'm pretty sure my insurance will be as high as a 16 year old. This would be my very first car.. How much do you think the insurance would be? I have AAA. Any other cars you could suggest to me?""

How much would my car insurance cost?

If i was to buy a 1.4 three door corsa SRI 05 plate.

How much would I be looking to pay for car insurance?

Age: 17 Male GPA of 3.0 and scored 2010 on the SAT Never been in accident, violation, etc. nothing Car: Really old 1992 model http://newyork.craigslist.org/wch/cto/2315498170.html How much would I be looking to pay per month?""

How to calculate insurance quotations?

i want to know how insurance quotations are prepared?is there any software to prepare such quotations?what are the factors to be taken into account to prepare such quotations?

Where can I get low income car insurance?

I am on a buget. my car is oldmobile delta 88 year 86

Insurance cost on 73 Camaro for 17 year old male?

So im looking into buying a 73 camaro from this guy i know and i was just wondering what the typical price for that type of car would be... and yes im 17

Insurance for a 3 series BMW Convertable?

Does anybody know a good/cheap insurance company for a BMW 3 Series Convertable. I don't have any no claims as i have always driven a company car! Please please help!!!!

If i get my medical card in california will my parents see it since they pay for insurance?

I am about to get my card and i was wondering if my parents will see it, since they still pay for my insurance.""

Newport Kentucky Cheap car insurance quotes zip 41072

Newport Kentucky Cheap car insurance quotes zip 41072

Why is Esurance so cheap? Are they a good company?

I'm in NY, and apparently insurance is way more expensive here for whatever reason. Well everyone in my family has gone to Esurance to get a quote, and it's WAY cheaper there. I mean we're talking $100-200 less a month. Progressive wants $300 a month for me and my mom on the same plan... which is about the same as other quotes I've got. Esurance wants $140. I can't help but wonder if it's a big scam or something.""

Why are car insurance quotes on comparison sites so high?

I'm almost 17 and I'm hoping to learn to drive and buy a car, I was looking on some comparison sites to see what the insurance might be on some possible cars (ford KA, fiat sciento, nothing too fancy) but the quotes were ridiculously high? I know being 17 will mean expensive insurance but this was really expensive, they said the cheapest was around 6000 for third party. This is really high because I know loads of people who drive at 17 and their insurance ranges from 1800-3000. So, why is it so high and will it actually be this price when I come to pay the insurance?""

Car insurance?

which car would be the cheapest to insure for a newly qualified driver aged 19 male uk thanks in advance

My daughter is 17 next week....where can I get cheap car insurance from? I want to add her on to my policy?

She will be an additional driver. My existing insurer has refused because of her age and inexperience.

Will car insurance cover a moped accident?

I was rear ended by a moped. The rider forgot to hit the brakes and nailed the back of my car. She broke my tail light and there's scrapes on my bumper and quarter panel. The rider didn't have insurance on her moped but has liability car insurance for her car. Her insurance company is refusing to pay for my damages, stating her moped is not insured, therefore they're not covering any damages. What should I do? I got a quote for $380 to fix my car.""

How can OBAMA force people to pay for health insurance without providing financial security as first priority?

Guess it is real hard for the people with huge income's to understand what life is like for millions of Americans going without proper diets/food/income NOW like about 50-75 million people in USA mostly several generational Americans while the federal govt keeps providing cheap labor immigrants for business!!!

How much insurance would be if i bought a 1994 honda civic dx?

i am 18 and i plan on buying a car next year so i just wanted to know how much insurance would cost

What should I do to get an International Medical Insurance?

I am a visitor in the United States, and I ll be here for about 2 months and I need a Medical Insurance, need some recommendations and where to go, and the docs necessaries.""

Insurance on a Nissan 350z?

I am wondering how much insurance would be for a 16 year old with that car. And what is the best way to insure it? Thanks

Which auto insurance companies offer road side assistance and what exactly do they cover?

Which auto insurance companies offer road side assistance and what exactly do they cover?

What is the difference between a law to make you get car insurance and a law to make you get health insurance?

What is the difference between a law to make you get car insurance and a law to make you get health insurance?

How much would it cost for car insurance for a second hand classic car for a 17 year old?

Hey, I'm turning 16 in September 2012, and being a boy I am already thinking about my first car. I'm hoping to start work around November-December and am hoping to earn around 1500, which fits perfectly into my price range of 1000 -  2000. Recently I've been thinking down the more 'Classical Route' (extravagant, I know) and found Classic Cars for around this price at www.carandclassic.co.uk I've had my eye on MG mgbgt or Triumph Spitfire and similar. I can afford something like this. The only problem that faces is me now is Insurance. I know that insurance is really quite expensive for this type of car ESPECIALLY for my age. However I have heard that insuring a car at my age is expensive regardless of the type. It's really the only set back for me. I'd love to hear from you how much it would cost to insure this kind of car for my age, as well as any personal experiences, alternatives and any other advice. Thanks. :)""

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?

""What is the best learner motorcycle, cheap on insurance and good quality?""

I am looking to learn how to ride a motorcycle and am looking for a bike that is easy to learn, cheap to run, cheap on insurance and a good ride. Are older bikes cheaper? Are some brands better on insurance than others? Thanks.""

""Im 21years old,male with a mazda miata 2001. My auto insurance to too high. where can I get cheaper insurance?""

Im 21years old,male with a mazda miata 2001. My auto insurance to too high. where can I get cheaper insurance?""

Car insurance $6000!?!?!?

I'm 18 years old, have a clean driving record, and i drive a 2007 honda civic coupe. My name is insured on my parents honda pilot and lexus 350(suv). For some reason my insurance (for myself only not including famly) is around 6000. is this right? i'm under AAA and they said its going to be this expensive with any insurance company. I have 2 way coverage and and $250 deductable. Can someone name some other company that charges significantly less with coverage and a deductable just as good. Links and sources would be appreciated also""

Question about buying a car without insurance?

Hey everyone, I need answers without criticism as Im new to this and know as much as you did when you bought your first car. I live in Texas and I have my learners permit but will get my license in around a month or so. We found a great deal on a car I love, and my parents want to buy it. However, as I said, I dont have my license yet, therfore, I dont have insurance. I was wondering, if my parents want to buy the car and keep it at home in the garage until i get my license and can get insurance, how would it work from the moment I buy the car until I drive it home. My parents have full-cover insurance with State Farm in both their cars, each pays their own insurance, would their insurance cover a second (technically third) car? What would be the step to take? How can I drive the car in peace without being nervous about getting pulled over or something? Please no rude answers, im trying to do things right, thus im here asking, Thanks""

Does anyone understand how rental cars work? Insurance/fuel fees... Think I got taken to school on this.?

I just had to bring my car to the shop for a repair. They ended up needing to keep it. Now a rental was covered under the warranty. So at least the rental was covered. But the guy had me signing off on insurance and what not. I guess the insurance on my car would cover the rental if I had an accident. But they would take from my cars deductible. So I basically signed off on a Collision Damage Waiver and also personal accident insurance. I did decline supplemental liability insurance though. Should the warranty be covering these fees or was this an extra that I got talked into? Because if the warranty covers the rental they aren't making anything. My understanding is it could be better because I am covered under their insurance if I have an accident and it wouldn't come off my own cars deductible? Kind of new to this and probably wouldn't have been worth trying to argue it after the fact that I signed off on stuff.So if I use this car for like 3 days I'm in it for like $60 in insurance. Also does anyone know how this buying the tank of gas works? I understood it as if I use so much then I pay there price of $5.60 a gallon. But I got told it was best to just buy the whole tank at $3.30 per gallon(best option seeing as gas is so much these days) And then to return it as close to empty as possible to get my moneys worth. If anyone can help me out so I know for next time if I can decline stuff or did I take the right steps and take there insurance so mine wouldn't be charged? After the fact I see I could have declined these.

A question regarding auto insurance?

even though I have no need of a car/cant afford one, my parents are still pushing me to get a license as soon as possible because they say it will reduce your insurance cost when I eventually do get a car, are they right? thanks""

Who do I contact when a taxi driver has no private insurance?

Who do I contact when a taxi driver has no private insurance?

I need motorcycle insurance?

Does any one know how i can get cheap motorcycle insurance, im only 17 and i have a few tickets, so its not gonna be cheap, does any one know how i can get cheap motorcycle insurance?""

""How much will car insurance cost me, roughly (teen driver)?""

I'm a 16 year-old girl, and I'm planning on buying my first car by the time I'm 17. I'm looking for an older car, nothing fancy, just to get around in. I'm also planning on taking Drivers' Ed. My grades are decent too, if that really matters. Do you have any idea what I'm looking at here?""

Homeowner's insurance and lawsuit?

If I was physically assaulted on someones's property by their family member, can I sue homeowner's insurance? The grandson of the homeowner had been drinking and during a discussion he punched me and broke my jaw.""

Decent Car Insurance Info?

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

How should i select PIP in car insurance...?

Hi.. I am going to take a car insurance and i am not very much clear about PIP. what is the best option to take as there are 4 PIP options given to me I have a health insurance that covers me till 80 % of the expenses. So if i take PIP option in my car insurance will it cover me the rest of the 20 %? will both the insurances work together? Please let me know. Thanks

Newport Kentucky Cheap car insurance quotes zip 41072

Newport Kentucky Cheap car insurance quotes zip 41072

Car insurance question ????

My partner has just started driving and i plan to do driving lessons and hopefully be driving soon too but we cant afford two cars i asked him if i could go on his insurance but he said i had to be driving 3 years im not sure if he said it because he dont want me to be driving his car but we have a son 99percent of time so will be handy to be able to drive in the car to do shopping when its cold thankyou

Average medical cost of baby first year?

We have a $600 deductable with an 80/20 co-pay for our health insurance. Supposing the baby gets sick one time in the first year & goes to regular checkups, what would the medical expenses be? How much is birth at a hospital with an epidural & 2 day stay? Of course, this is all assuming we have a healthy baby.""

""If I am 27 and single, do I need to be paying for life insurance?

I have been paying for life insurance for a few years now and I am convinced that I shouldn't be. I do not have any children or plan on any in the next few years. My father says it is so I am locked into a premium. Does that really matter?

Life insurance / suicide clause?

My husband committed suicide 3 weeks ago, and left me w/ a lot of bills and 2 kids. He has some insurance policies, some of which he has had for 20 years. My question is, will the older policies most likely pay, or will they dispute, or can they??? I don't know much about these things. One policy said they would pay, but now I can't seem to track anyone down since I sent in the paperwork.. Any ideas?""

""Conservatives, you're always claiming that Obama-care is the reason that insurance costs are increasing, so?""

regarding the 80% increase in insurance premiums, and the 11% increase in the number of Americans who did not have health insurance coverage during the Bush presidency, was that because a magical elf traveled back in time to the year 2000 to tell insurance company executives that Obamacare was coming? Or could it be that insurance premiums have been increasing at an average rate of 8 to 11% per year for about the last 15 years and the increases we've seen in the last few years aren't indicative of costs associated with Obama-care (Which hasn't even been fully implemented yet) and Conservatives are just trying to make political hay out of cost increases that are consistent with established trends?""

What is the average cost of individual health insurance?

i have to get my own plan b/c i will not be eligible to be covered by my parents any more. im just looking to see what companies are good and how much health insurance will cost me. i will probably need some good coverage as i am a hardcore mountain biker (crashes are inevitable)

""Can you help me-insurance, cars, and money?""

Okay, I'm planning on buying a car soon. My family is in a very deep hole financially, so I'm going to ask my grandparents to help me, because they are doing fine. I need a car to get to school, get to my current job on time, and have another job (along with 2 AP classes and babysitting!) I never ask them for anything, not that I've ever wanted to, so I'm really scared to ask them for this huge favor. I'm planning on paying them back for every single penny I borrow plus interest. So I want to know an idea of how much money I'm going to need to borrow. Okay, for insurance...I'm planning on buying a toyota yaris, matrix, or camry. Or a honda civic (perferrably hatchback). Or a volkswagon beetle. But right now, anything will do as long as its reliable. For a 16 year old, A average grades, living in KY, about how much would monthly insurance be? For payments, I know about 2000 for down would be good. But how much (about) would interest be on monthly payments? I'm planning on finding a car that is about 7000-8000 dollars. And lastly, how should I ask!? They know I'm mature and responsible, but I don't think they are willing to help me out. I absolutely hate asking for things from people, but I really need help so that I can help my family. So how should I do it? Thank you so much! :) I'll choose best answer!!!""

What car can i hav 4 dead cheap insurance and whats the best insurance comp.... (im 18)?

I passed my test 6 months ago and still aint gotta car! i hav been looking at a honda civic 1.6 but im not sure what i can get insured on.. i know i can get insured on a 1.0L corsa but i want sumat a bit better (sumfin like a ferrari lol)?

What is a good car insurance for florida state for a 23 year old female?

Help.

What is an affordable life insurance for a cigarette smoker?

What is an affordable life insurance for a cigarette smoker?

Am i covered with auto insurance when i drive off of the used car lot?

Am i covered with auto insurance when i drive off of the used car lot?

Is my insurance going to pay? california?

I have a car thats fully covered by Murcury. I lent my car to my boyfriend (not knowing he didnt have a current DL), he was picking something up for me and coming home when he got into an accident. He was found to be at fault and it involved 3 other cars. I am freaking out because we do not have the extra cash to pay out of pocket. will my insurance pay? I know my deductable will go up and so will my rate. I am not worried about that right now. I just want to know if he will be covered because he(even though he has no DL) was driving my fully covered car. CALIFORNIA ONLY""

Car insurance for 17 year old?

im 17 and have looked nearly all the comparison sites for car insurance and theyre all coming with prices like 3000-6000. and the car is just a fiat punto a 1242cc.i know it was going to be expensive but i have been reading that people have been getting insures for like 1200 who are 17 aswell. could it be the car make or should i look for a really small car like a vauxhall corsa.

Why can't health insurance do new methods to cut cost?

Just thinking, how about use health care at another country for cut cost? Let say you live in USA, need heart sugery, do it at India to save insurance money. So health care become more affordable, yet insurance company can make more profit. You maybe say people don't like travel, well if you want more coverage with lower price, you got no choice. Or pay full price for insurance if prefer use America hospital. I understand some situation can't because emergency and need treatment in less than hour so can use local hospital. I am talking about if need medcial attention in less than 24 hours, can be done, insurance can arrange travel, and treatment at half way around the earth. Example: cost 100,000 dollars in USA, cost 7,000 at India for same treatment. Save: 93,000 dollars for all of us.""

""As a first time driver at 29 in the UK, how can I get my insurance at a reasonable price?""

I am a 29 year old male - I have recently just passed my test and I would like to start driving, but even on a 1.2 t reg corsa worth 500 I get quoted 2700 at the very best for 3rd party only! I have tried changing details etc etc. 1, I have never had a conviction or made any insurance claim in my life 2, I live in M24 postcode 3, I have a good credit rating 4, I have no parents who drive or know anyone who will front for me, nor do I feel comfortable doing that. Can you insurance experts help? Or even at the very least explain why I am being quoted 4x the vehicle value? Thanks for your time""

Cheap car insurance in ontario?

I am thinking of getting my own vehicle this summer... Does anyone know of any plqce where there is cheap or reasonably priced insurqnce for teens?

What kind of cars cost the least amount of money to insure?

I am a teenage driver and I am looking to get my first car. What kind of cars have lower insurance rates, and are still reliable? I plan on getting a used car from around 2006-2008.""

Insurance billing question?

If I were to get birth control and use my insurance card, will it show up on the bill? This includes if insurance does or does not cover the entire cost.""

I was wondering if Doctors pay for health insurance?

Since they are doctors, do they need insurance?""

1 Day Car Insurance?

Does anyone know of companies that offer one day car insurance for 20yr old they all seem to be 25 and over why is that.....

""Any thoughts on the Acura TL vs. the 2007 Altima, insurance, cost, quality etc.?""

Any thoughts on the Acura TL vs. the 2007 Altima, insurance, cost, quality etc.?""

Cheapest Car Insurance And Best car to get at 17?

Hello Guys, ive just passed my dirveing Test :D I Got a Pass Plus Witch aprently makes Insurance Alot cheaper. Anways, ive been on all the big sites such as Confused, moneysupermarket ect. And they are offering me around 8Grand for a 0.9l Fiat Cinnequento I dont want that car i just tested to see how much. I really need somewhere cheaper. so could you guys give me best car to try get insured on and where?""

What types of insurance are required in Minnesota?

I have a permit test in about an hour and I forgot what kinds of insurance are required in the state of Minnesota? There are 2 of them I think it's liability and no fault? Help please?

Will they provide motorcycles at a motorcycle safety course?

I want to buy a Kawasaki ninja , but i dont know how to drive on its easy to learn i driven motor bikes over seas but its not the same. Well the motorcycle satey course will the provide a motorcycle a sports bike not a cruiser? and what do i need to bring exactly? Do you guys know on average how much motorcycle insurance cost for a 19 year old?? I know its different from different parts but from where your from. Detailed answers are much appreciated thanks guys!""

At what percentage of a car's value does an insurance company total the car?

My car got wrecked and it was my fault. No other cars were involved. I can't afford to have car payments if my insurance company totals the car. It is fully paid for and I have full coverage. If I make the claim to them, at what percentage of the car's value would the insurance company consider it totaled?""

Newport Kentucky Cheap car insurance quotes zip 41072

Newport Kentucky Cheap car insurance quotes zip 41072

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