Tips for adding teen drivers to the insurance policy

Tips for adding teen drivers to the insurance policy

So the day has come. Your teen has started driving. But before they get behind the wheel, they’ll need to get insured. Whether they have a car of their own or they just plan on driving dad’s old truck around on the weekends, they should be added to your auto insurance policy. Teens are considered to be the “riskiest” demographic on the road. Data from the Centers for Disease Control and Prevention shows that new drivers between the ages of 15 and 19 are four times more likely to be involved in an automobile accident, which is why they are the most expensive group to insure. Statistics show that a one-car family can expect their annual insurance costs to increase by 44% after adding a teen driver. For families with two or three cars, that number can be anywhere between 58% and 62%. Despite the expense, it’s a smart move to have auto insurance, and in most states, it’s the law. It can be hard enough to pick insurance that’s right for...
Using a surrogate to start your family

Using a surrogate to start your family

Not being able to have children of your own can make life very difficult and depressing if you want to have children. Surrogacy is always a great option to consider. There are many very healthy women who are more than willing to be a surrogate for someone who cannot have children on their own. If you have found a woman who is willing to be your surrogate, you need to create a legally binding contract regarding the surrogacy. You can hire a lawyer to create the contract for you to make sure that it is completely legal and nothing is forgotten. There are a few things that should be included in the agreement. Ensure the Surrogate is in Good Health Before you even start the process of surrogacy, you need to be sure that she is in good physical health to ensure that she will be able to carry a baby safely. Have her go to a doctor for a full physical checkup and have STD tests run to ensure that she doesn’t have any diseases that could be...
How to start over after divorce

How to start over after divorce

For most of your adult life perhaps you have always been a party of two. Now you wake up finding yourself a party of one and you have no idea where to start or how to find yourself again. This may be of no fault of your own or perhaps it was your choice that made it happen, either way you have to begin again and are not really sure where you need to start to make the best things happen for you. Take your time and breathe. Don’t let your new status define you, instead embrace it and begin again, after all you really don’t have a choice now. Up to now you may not have been the part of the relationship that handled everything so you have to start at point A and progress forward. First, you should look at your finances and personal file. Pull your credit. See if you indeed have been standing on your own two feet or leaning on your partner through life. If your name was first on the bills or perhaps alone on the bills then you may already...

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