Peter went to a psychiatrist.. 'I've got problems.  Every time I go to bed I think there's somebody under it. I'm so scared. I think I'm going crazy.
''Just put yourself in my hands for one year,'  said the shrink. 'Come talk to me three times a week and we should be able to get rid of those fears.

''How much do you charge?  
 ''Eighty dollars per visit, replied the doctor...
''I'll think about it,' said Peter.
Six months later the doctor met Peter on the street. 'Why didn't you ever come to see me about those fears you were having?' asked the psychiatrist.
'Well eighty bucks a visit three times a week for a year is an awful lot of money!    I met this Jamaican guy & was telling him about my fear, he said no problem man just give me $50 and a dozen Red Stripe Beers and I'll tell you what to do.
He cured me.    I was so happy to have saved all that money that I went and bought me a new car.'
''Is that so! And how, may I ask, did the Jamaican cure you?
"He told me " cut the legs off that fucking bed, man! "   Ain't nobody gonna go under there now!!!"