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Here is a posdcast broadcasted on April 4, 2013 from Lifehacker.  Take a listen!

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Today’s Guest post is a Post from David Lazar.

David Lazar is a regular blogger at PDF Converter blog. With a background in journalism, he specializes in writing blogs on a variety of topics, including freelancing, careers, finances, technology and new media

Stress good driving first and foremost

No matter if you are an adult or a teenager, the most basic principle of car insurance rings true – if you drive poorly, you will be paying more. Make sure that your teens are ready to drive before you give them the keys. Stress the importance of responsible driving and make sure that they understand how important driving safely is to them and to you. Give them incentives and punishments based on their performance. For example, you can revoke their car privileges for a couple of weeks if they get a speeding ticket or any other type of moving violation. Let them know that drunk driving will get their driving privileges revoked for good. You can also give them incentives, like bonuses on their allowances if they manage to go ticketless and accident-less each month. The better your teens drive, the better your insurance rates will be. The worse they drive, the more your insurance company will consider them a risk.

Look into discounts for good students

Did you know that many insurance companies correlate good grades with good driving? It’s true – and that’s why there are a lot of insurance companies that offer better rates for good students. Even if your teenager is not a great student right now, encouraging them to improve can help you financially in the long run. This is a discount that can always be added later to your insurance plan.
Most insurance companies will want your teen to have at least a 3.0 grade point average, or whatever the equivalent of that is for high school students if they are not in college yet. A 3.0 certainly is not an impossible grade point average to muster, and encouraging your kids to learn by telling them that they will get the car more often – or even get a new car if their grades improve – benefits them and you, not only in terms of insurance, but for the simple reason that this can get them more interested in school.

List your teen as an occasional driver

This is a great option if your teenager does not have his or her own car or is simply not driving a lot. There are many people who have teenagers who are going to college out of state but continue to pay normal rates for them even though their kids are hardly ever using the car.

If your teen is a sharing a car with you and is not driving it very often, list them as a secondary or occasional driver on your own insurance policy instead of taking one out for them. It’s a great way to save a lot of money if your teen is not regularly driving or does not have a car of their own just yet.

Choosing the Right Vehicle

However, if your teen is not interested in sharing a car with you or he or she really needs a personal car, then you need to put a lot of thought into what car you are going to purchase for them, because it does make a difference. It is important to remember that buying an expensive sports car and buying an old clunker that barely runs are both equally terrible options. Both are seen as risks on the road, even though the reasons behind these two types of vehicles being risks are entirely different.
Your best bet is to get a used car, preferably a safe, family car, between five and 10 years old. Look for a car that has airbags, anti-lock brakes and all other safety features, and one that passes inspection easily. Keep the horsepower down and the safety features up and you should be able to find a car that won’t cost too much to insure.

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A day of moon bounces corn hole and small-town fun ahh to be a kid.

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Gotta Say, I Laughed my Butt Off!, That bride sure can run.

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Today’s Guest post is a post about  Joint life insurance from Alrene Chandler.

Arlene Chandler is a freelance writer who loves helping people face the uncertainty of the future. When she’s not enjoying the mountains with her two dogs, she writes about career advice and finance tips for the Suncorp life insurance page.

Joint Life Insurance Policies: Weighing the Pros and Cons

Many couples, especially after they have children, make the decision to invest in a life insurance policy. What seems like an easy task can prove to be incredibly difficult; with so many policies and factors to consider, it can be intimidating when it comes time to make a decision, and deciding on one is a major commitment. Many couples eventually opt for a joint life insurance policy, and if that’s the direction your family’s headed, it helps to inform yourself and look at the advantages and disadvantages before making it official.

What is a Joint Life Insurance Policy?

To help you make the best decision, it helps to be informed of what the policy you’re looking into actually entails. A joint life insurance policy simply means that you’re covering two lives with one policy. There are two types of joint life insurance to be aware of; first-to-die insurance is designed to offer the surviving spouse a payout when the other one dies. The other choice is a second death policy which means that a payout only occurs if both spouses die, and the money is designed to go to the couple’s children, business partners, or any other selected beneficiary.

The Advantages

The biggest advantage of opting for a joint life insurance policy is the price; generally speaking, premiums are much lower when you’re covering two lives with one policy, and this is one way couples who are struggling financially can still get some basic coverage. Aside from the allure of the price is the fact that second-death joint life insurance policies are easier to obtain if one partner is in less-than-perfect health. Because both parties must die before a payout is made, the couple is seen as less of a risk, and insurance companies are more willing to provide coverage than if the unhealthy spouse was to apply for an individual policy.

The Downfalls

As with most things in life, joint life insurance is a double sided coin, and the negative factors need to be taken into account with the positive. While it’s true that most joint policies offer lower premiums, the opposite can be proved as well, so it’s important that you shop around extensively to find the best offer. Second-death insurance will almost always offer lower premiums, but first-to-die policies can involve paying just as much for two individual policies because they can be seen as a higher risk to insurance companies.
Another thing to consider if you’re thinking about investing in joint life insurance is the fact that if something unfortunate were to happen to both of you, your children would only receive one payout, but if you both purchased individual policies, your children would receive double the payment.
The most uncomfortable thing to consider that most couples shy away from thinking about is what the outcome would be if you and your spouse were to separate. Most insurance companies will not split the policy down the middle, so you both would have to go through the hassle of applying for coverage again. However, even if you did stay together and opted for the first-to-die policy, the surviving spouse could lose any coverage after receiving a payout (although some polices do offer a continuation plan).

Make Your Decision

It’s clear that choosing the right life insurance policy is not an easy task; it requires research and a deep look into the effects your decision would have on the future. Joint life insurance is typically cheaper to pay for and easier for someone of poor health to obtain, but it’s not always the best option for couples who could separate in the future or who are unsure of the continuation policy of their insurance company. All in all, you know your family’s needs the best, and after weighing your options and discussing your concerns with a financial expert, you should be able to make the best decision for yourself and those around you.

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My youngest is no longer a preschooler. As proud as I was other is also that part of me that wonders where the time went.

Way to go little man!

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(1914-2013)

It’s been a long while since I last posted, and today it’s a bit of a different post.  My last post was towards the end of February, and righ about that time things changed in my life, in a way that I knew was coming, but was probably unprepared for.  Today’s post is dedicated to my grandfather who passed away last month at the age of 98.

There was something about the loss of him that changed me in a way I have yet to fully understand, or grasp.  He was a very private, and unique individual.  I can count on one hand the times he hugged me, or told me he loved me, but I never questioned that he did.  Yet I don’t think there are enough hands or fingers in the universe to ever calculate the lessons he taught me, or even the feelings of safety and warmth he brought me throughout the 40 years of my life I was honored to have him as a part of.

My youngest son is named after his father, and when my mother passed away, in many ways it was him that helped me find a way to process those emotions, because we shared that experience, he lost his mother at age 17, and me at age 20, so though he was not one to delve into discussion about feelings, he could relate, and have a discussion about something that seemed totally unrelated but in reality was pointedly related to how to process that confusion and move forward.

He was always so easy to talk to, and someone I felt I could share my frustrations with, and never feel judged.  It was him in 1998 that encouraged me to pack myself up and leave New York, for a new life in Virginia, which was one of the smartest decisions I have ever made.

I looked forward to my weekend calls with him, even as they became less frequent in length as his hearing faded, and his naps became more frequent.  After he mourned the loss of his wife of 75 years in 2010, I learned even more to appreciate his resiliency, and appreciation for life, and love of his family.  He often told me that he hoped to love to 100, as long as he was able to stay healthy and take care of himself.  It was remarkable to watch.

Yet within a few days of may last post his health began to deteriorate rapidly, and he began to need almost full time care, something he did not want.  He died peacefully on March 12, 2013 at age 98.

He raised two wonderful sons, and also passed so many lessons on to his grandchildren.  Lessons that have made me a better parent, and a better person.

He taught me:

•  Sometimes saying nothing is better than saying anything at all.
• That being wrong can be a gift, because it can teach you more than being right.
• That sitting with my children, and watching them play, or sleep, or just being with them is one of the greatest gifts I will ever receive.
• Just sitting an looking at the world around you will make you appreciate it more.
• Just be happy, having everything doesn’t make you happy, but if your truly happy then you have everything.
• That I still have a lot of growing to do.

An even his passing has taught me more, lessons I have yet to fully understand.

So today’s post is dedicated to him.

Thanks Grandpa!

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Do you Remember the “Original Wreck-it-Ralph?” His name was Ralph Hinkley, Hanley, uh..Mr. “H”. He wasn’t always happy about it either.

March 1981, My my dad, and our old Sanyo TV, you know the one with the Dial.  I was the remote.  Well this particular night was special.  Not only was I staying up past my bed time, but I was getting to watch a very special premiere with my parents, for a show I had seen commercials for and begged and egged to watch, all about the guy with super powers, this guy called “The Greatest American Hero“.

So for those of you that are unfamiliar let me introduce you to “The Greatest American Hero”

So here is the premise.  Ralph Hinkley is a teacher.  Honest altruistic, and believes in the good of all man.  He teaches Special Education at Whitney High School in California, and is a single father to Kevin (Season 1, and 2, then Kevin mysteriously dissapears).  As a side note after the attempted assassination of president Reagan during season one Ralph’s last name of Hinkley is changed to Hanley, and in many episodes merely dubbed over to “Mr. H”.  It returns to Hinkley at the end of the 2nd season.

Bill Maxwell is a 30 year veteran of the FBI. Crass, edgy and sarcastic he hides a caring heart and deep sense of right and wrong under his gruff exterior.

One night in the desert Bill and Ralph are forced together by mysterious circumstances and approached by a spaceship.  The “Little Green Guys” give them a “suit” with “unearthly powers” that will only work on Ralph.  They are tasks to use the suit for good, and save the world for humanity.

Sounds easy right?  It would have been, but Ralph looses the instructions, making the series not only about saving the world, but also about learning to use the “little red jammies”. The unfortunate side effect was he tended to wreck as many things as he fixed.  Bill often asked Ralph “not to wreck the place”.

And the best part of all?  It was my time with my dad, every week. It was our thing.

Time seemed simpler then, less busy, more time to enjoy these small things.  So take some time today, and watch a show, build a model, play a game.  Have some “you time”.

With that I’ll leave you with the running gag from the show, Ralph and his effort to master flying.

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