a lot of people comment on my last question and its all excuses taking your life you are a coward i dont care what people say face your depression face your troubles

like everytime sum1 would try to help and they stop for a week and cant take it and they bring a big razor blade to skool and the friend tells on him/her and they still do it over the summer and tell their friend that there not as hot as they think you look and saying that everything is that persons fault and that the reason is that him/her started to cut in the 1st place was cause their friend and they go off and do it and they want help and they want to try to do to c how it feel sand c if the pain will go away. (IF ENY 1 READS THIS CAN YOU ANSWER MY QUESTIONS??? I NEED HELP I TRIED TO HELP MY FRIENDS BUT THEY WONT LISTEN TO ME OR THERE MOMS PLZZZZZ HELP ME.)

Depression is not by its very nature a happy subject, but with the pressures put upon us all in today?s world it is unfortunately only too common. To many people who have never experienced it, an instant cure should be possible simply by telling the sufferer to ?snap out of it?. Sadly the depressed person would be only too happy to be able to comply, but they cannot, for a variety of reasons better known to the psychiatrist than to the layman.

There are many different forms of depression and they manifest themselves in a variety of ways, ranging from what can appear to be ?just nervousness? to an overwhelming desire to solve all the problems which are crowding in by committing suicide. Full Story »

It’s not a pleasant subject, but we need to discuss the suicide clause found in most life insurance policies. It ties in with an insurance concept called adverse selection so let’s take a more in-depth look at how the suicide clause works in life insurance.

First, let’s look at the definition of a standard suicide clause found in most policies. Essentially, the clause states that if the insured passes away by committing suicide in the first two years of the policy, the life insurance company will not pay the benefit according to the policy. The two year window starts from the official effective date of the life policy. This is one more reason the effective date of your life insurance policy is important. You’ll notice that the other similar clause, the contestability clause also has a two year window as well.

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