I have two teen drivers on my insurance.
Posted By: sm on 2007-10-05
In Reply to: Those of you with teen drivers.... - sm.
One is away at college and is not allowed to have a car on campus. Since he's paying for, or has earned scholarships for a good portion of his tuition, we pick up his car insurance as a secondary driver on a very old Toyota that he inherited from his grandfather. My second son has had his license for only two weeks. At the current time, as he is a good student, responsible and working very hard at school and on some extracurricular activities, we pick up his insurance as a secondary driver, as well. So far, so good. No one has had any moving violations or dings. In fact, I'm 46 and have never had a moving violation and have only gotten two parking tickets (deserved).
We're very serious here about driving responsibility. The boys know that one speeding ticket and we drop them from our insurance like hot potatoes. No insurance, no driving, no car. No warning. Mess up once, and they don't get back behind the wheel on our dime ever. The boys also know that their father and I mean what we say. We're not rich, but we are happy to be able to help our sons as they work toward their futures. But we won't pay high insurance fees because of their stupidity. More importantly, we've been to too many funerals for young people who died in accidents caused by speeding. I think that because of this, our boys seem to have taken their driving responsibilities/privileges very seriously.
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Those of you with teen drivers....
...how did you handle speeding tickets, punishment wise? Take away their keys for XXX amount of time, ignore the first offense, ground them, etc.
teen drivers
I made my son pay his own ticket which for him was the punishment. I have to admit I speed so we didn't ground him or anything. Hasn't happened since.
They go by Drivers's License as far as I know - sm
My mom thought it was by voting, but she never voted and was not registered to vot either and got called 2 times. She did drive though.
Should teenage drivers pay for ....sm
1. Driver's education/training classes if required in a state (ours mandates it) and it's not available as part of the public school curriculum? The price is $325 for the 40 hour course if taken through one of the state approved places and includes 6 hours of hands-on driving experience and 34 hours of classroom instruction.
2. The cost of car insurance and gas?
My husband & I are considering for item #1 having our almost 15-year-old pay for half the course as she does have the money in the bank and makes money babysitting, but haven't totally decided on this. We know that if we ask her what she thinks about it she'll respond that she wants us to pay for it because she likes to spend her money on music. We do pay $100 a month for her to have guitar lessons which began this past summer. For item #2 we do agree that she should pay for the insurance/gas when she gets her permanent license. Some of the parents in our area pay for this for their kids and others either have them pay all or part of it. Our rules for driving once she turns 16 is that she will have to keep her grades up to a B average or higher, have a part-time job and if she slacks on either then the keys are taken away. She isn't involved in extracurricular activities after school so there's no reason why she couldn't work a few hours a week during the school year to cover these costs. We do have a good dependable car for her to drive (1992 Cougar with low mileage) so at least there's wheels for her to travel on.
What's your opinion?
May need to reinstall the drivers
I would go to the laptop manufacturer's web site and search for your laptop. They should then have a link for support and drivers, and you can try re-downloading the modem drivers. That should fix it.
Gas surcharge, that stinks, here the drivers - sm
have to pay for their own gas, etc. So whatever tips they get helps pay for their gas, and doubt they make more than $6 an hour here but have to drive long distances (boonies). I don't know what their deliver area is but it is a minimum of 5 miles out from the store, and those short trips eat up the gas. They have about 5 people delivering on the weekends as they are kept busy (only delivery service in the area--Domino's)
Wasn't trying to lump all bus drivers together.
I know there are some very good ones out there who are in it for the kids, definitely not the money. I was just offering a possible explanation to anon who asked.
Personally, I trust no one with my stepson unless I know them very very well. He doesn't ride the bus either but is picked up from school with us. The older a child gets, the more comfortable I am with it but in my opinion, not in elementary school. Fortunately my job allows such accomodations. I understand not all parent's are able to do such and there's nothing "wrong" with that. Just my personal opinion to choose not to leave my child with anyone if its avoidable. Besides the bus driver/stranger thing there are many other reasons I prefer my child not to ride the bus and not be left home alone.
IMPORTANT - drivers licenses for 2008
With the new laws implemented by the Homeland Security Act, to get a driver's license. state ID, or passport you will need to have the following:
Birth certificate
Original social security card issued by social security admin.
If married, you must have "tracking" of your name, which means you must have copies of all your marriage licenses so everything can be verified.
You will not be able to board a plane or go into any federal building unless you get the new ID or drivers' license.
Start early to collect all the data you need.
Also, I would urge you to contact your federal senators and congressmen to have them repeal this act.
I totally agree with you. It always made me think of expired drivers license. nm
x
Teen Sex
I understand your pain Mom; however, your "baby girl" is a young woman who is sexually active now. These are the statistics for teen sex today:
 Students who have had intercourse in highschool:
 40% of ninth graders
47% of tenth graders
57% of eleventh graders
72% of twelvth graders
Keep the lines of communication open. You cannot "regulate" your daughter's sex life. If you try, you will be fighting a losing battle. They will sneak around and find places to "do it." Encourage your daughter to have a female exam, Pap, and testing for STDs because that is the responsible thing ALL sexually active people should do today - not because she is "bad" or needs to be "taught a lesson about the seriousness of her actions." Trust that you have done a good job in raising her. Continue to be there for her.
Lilly
TEEN DRIVING
I just dropped you an email.
teen fashion
OK, I have a teenage daughter who tells me "shaggy" hair is in for boys--nothing too clean cut. Clothes wise, American Eagle and the Buckle have trendy stuff. T-shirts with graphic designs, artsy, music related, kind of off the wall bands are popular--check out Target or Kohls for these, too. Hemp jewelry, dark-colored sneakers, pants that don't show your ankles when you sit down. Sagging is NOT hip, but not skin tight either. Don't tuck the shirts in. Just neat, but casual.
Hope this gives you an idea what to look for. Good luck!
teen clothes
For boys (my younest son is almost 16) - American eagle is hugely popular around here. My son also likes Abercrombie but they are so ridiculously expensive. Dockers shorts - lots of good shorts at Kohl's if you have one near you. Also if he has a favorite band/bands - order some of their graphic T shirts online, let him express his personality. Kids that age love those kind of T shirts.
Teen driver
I made my son pay his own tickets as well. He might have had a couple, total, but he soon learned. He's 21 now.
Thank you to all; I have a teen here in my complex who wants to do it.
Thank you.
teen driver
When my daughter got her license I gave her my older vehicle and she was responsible for gas and insurance. She paid for her repairs, but I helped if they were very high. My insurance agent told me to put her on her own policy so I would not get sued if she had an accident and my rates would not be affected by her driving record. By her living in my home she was able to get my discounts, ie., two car discount, different safety features on her vehicle, and home being insured. This was a wise choice as she had two small accidents within a year and is now paying high risk and my rates didn't change, but my insurance would have gone from $300 to $2600 every six months if she were on my policy. She hated having to pay since all her friends' parents were footing the whole bill, but now in college she appreciates it because she knows how to pay bills and budget her money while her friends are always bouncing checks or calling mom and dad for money.
Teen Troubles
Can you say, "Dr. Phil?" If you are that desperate, I would definitely consider it.
Teen fashion emergency! :) SM
OK, please help if you can. My son and I are clueless when it comes to "cool" fashions. His friends sorta teased him today and said he is really uncool (uncool haircut, clothes, shoes). They jokingly said they were going to do an extreme makeover on him. I laughed at first, but then thought, "Hey! That's not half bad!" He is starting high school in the fall, and I would like to help him with a makeover this summer. He is a nice looking kid, just got his braces off (so has a really nice smile), a little bit on the husky side, but his clothes and shoes are Walmart specials. He is just a basic "boy" hair cut.
What is "cool" for boys? Where should we shop? What kind of haircut is cool for a 15-year-old boy? I'm so clueless!
Any advice you can give me would be greatly appreciated!
 Chickadee
I too met my "father" as a teen/adult.
I had always asked questions. My mom was always very honest when she felt we could handle it about why they broke up (he was abusive). He contacted my brother and me when I was 16. I met him, found out he wasn't my "dad" since that was someone who would have at least been there for me when I needed him or to even know so I consider my "father" as a sperm donor. I am glad I did meet him and have closure (like someone else mentioned) because I think I would have always been curious but I didn't pursue a relationship with him. My father-in-law has been a real dad to me but my blood relative father is not a dad.
I agree with what someone mentioned too that your mom may not have been totally honest, wanting you to not want to pursue meeting him. I was lucky, my mom never badmouthed him when we were growing up even when we had all these questions about him, why they didn't stay married, what it would be like if they had stayed together and everything else. I realize now of course my mom was smart to have gotten out at the beginning. Once an abuser always an abuser so I'm relieved now. If you want to talk about it more let me know and I'll send you my e-mail.
JMO, but having been a very wild teen at one time...
you really should intervene. Your sister has a right to know, it is her child after all, and to turn a blind eye and pretend it does not exist does your niece more harm than good. Take it from one who has been there, if someone would have done the same for me I would have been angry, but looking back now it would have changed my life tremendously. A lot of young girls today really need some direction, look at the role models they have out there, most of them are nothing to brag about! Good luck to you, you sound like a loving and caring auntie!
update on teen drama
I posted before about how my son's ex-girlfriend was sabotaging him receiving an invitation to Sadie Hawkins dance. The girl that "changed her mind" can't find another date because it is too close to time.
So she follows my son all over the place, but she has to be loyal to the "Queen Bee" and doesn't seem to have the courage to ask him again.
Four years is a long time to be incarcerated in high school. Maybe he will get an A in chemistry instead!
Teen Heart Throbs
Who was your celebrity teen heart throb?
Mine has always been Donny Osmond. I really liked David Cassidy too.
Teen heart throbs
First was probably David Cassidy. Too many more to mention. LOL.
Precious! Many places will have state-to-state drivers form a chain
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I've had 2 teen boys and my suggestion is to
take him to SuperCuts where for really cheap you can get him a hip cut. Have him look at the books/magazines and then ask the stylist for her opinion depending on his face structure, hair type, etc. Next, I would go to Target for his clothes - they are a little more expensive but classy - WalMart is pretty well hated by all teens.... he would probably rather have fewer shirts and pants and have them be a little nicer...... and shop for some bargain shoes - Famous Footwear - or check sales and don't forget the internet!! JCPenney is great also - almost forgot about them!!
Great teen stores. They are owned by the same ... SM
establishment (for lack of a better word LOL). Gap is the more expensive, higher end, clothing. Old Navy is less expensive and is what the kids around here wear the most of. Either is really good but Old Navy goes a lot further in your budget.
Maurice's is good and not so high priced, if you have one of those nearby. And don't forget about the old standbys like Macy's, Penney's, Sears, and Belk's if these are in your area of the country.
I feel like if I don't change the course now then I will have problems when he is a teen (sm)
I am hoping if I can find a way to alter his course, maybe it can go in a different direction. I know everyone has their own personality, but I think as parents it is our job to do our best to raise them to be the best adults they can be, and to give them a chance at having a happy adult life. If I just ignore it, I think I would not be doing my job as a mom.
When I was a teen & my sister was 10, my parents banned
We got around that one pretty easily. At 10:00 or so, we'd each yawn, say goodnight, and go to bed. Our parents usually followed not long after. At 11:30 I'd get up, wake up my sister, and we'd sneak back out to the living room to watch it with the sound way down. My parent's bedroom was back at the other end of the house, so they couldn't hear it or see the light from the TV. We never got caught, either! Hehe
Well, I was not on a teen-role model, not in the public eye
no one was looking to me and I got myself into trouble and had more sense than to know I wanted to nor could I raise a child at my age(by the way, not 16, older). I assumed responsibility because I took care of things, did not regret then nor now and never have. She, from what I hear, did not tell her mother until well past the time she could have gotten an abortion, sounds like she wanted to be pregnant. I have absolutely no regrets about things I have done in the past.
I'm not a teen, far from it but I get SVT a couple of times a year sm
I usually get it in the middle of the night and it usually lasts about 4 hours. I am prescribed 40 mg of verapamil, which I take 1 at the onset and then 1 every hour until it eases up. I usually end up taking about 4 or 5. That works for me, but then I'm usually wiped out for a few hours afterwards.
My first experience where this lasted more than a few minutes, I went to the ER and they gave me 6 mg of adenosine which converted me. They were able to see the SVT on my EKG, so the cardiologist was able to correctly treat me. They have offered me other treatment options, such as electrophysiology ablation, but since I only get it a couple of times a year, I'm not at the point where I want it treated surgically.
Good luck.
I am not letting my young teen marry an old man.
x
Next door neighbor's teen having parties
I am sooo sick of the next door neighbors. It is a mom and 2 teenage daughters. They have been having a party going on 5 days now. Tons of cars over partially blocking our driveway, loud talking and laughter, underage drinking, throwing their litter (beer cans) onto our side of the yard...etc. I just want to sit out on my porch and not have a gang of teens a few feet away. What kind of mom lets this kind of thing go on and these kids (boys and girls) have spent the night every night. I am sick of it. I thought it would end with today being Monday and the holiday weekend being over. But they continue to hang out over there. I just want peace and quiet like it is usually here. What would you guys do? I would love to call the cops on them but have never done anything like that before. I just feel like this is ridiculous especially since we live in apartment homes and not houses so our duplexes are very close together. 
I think what you are experiencing is all normal teen behavior. sm
I can't think of anyone that I hung around with in my teens that didn't run away. Trust me ---- they ALWAYS COME BACK.
OMG, we did that with our teen kids one year. Unavoidable. Miserable
s
I'd give the teen whatever you spend on shirts for the younger one &
s
Aqua-Teen Hunger Force's Ignot and Err.
I could never explain the cartoon...it's something you have to see to believe and have an incredibly warped sense of humor to enjoy.
Then I probably wouldn’t post about teen having okayed premarital sex
on this post. Everything is game when you post as far as I am concerned. Keep it to yourself if you don’t want others to comment. sex at 16 is statuatory rape in my state and if it had knowingly happened with my child, I would not buy them BCPs, rather had taken a legal course. I really can say what I think, thank you.
My teen daughter has this, too. We're trying the dermatologist next. OTC stuff isn't cutting i
v
Teen girls accused of setting kitten on fire (sm)
This article made my stomach roll. Maximum penalty (yeah, right) is 3 years in solitary confinement. Personally, I think they should be publically whipped until they scream and then whipped until they stop screaming...but that's just me.
"A boy and his friend said they saw the smoke and heard the cat shrieking while the girls laughed."
http://www.nbcsandiego.com/news/13708685/detail.html?rss=dgo&psp=news
(cut and paste into your browser to read article)
Hubs did window cleaning as a teen & always got swamped w/folks wanting them
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insurance
I live in Upstate NY and I am an IC also. I found the best way to go (cheapest) is to join a local Chamber of Commerce and buy a plan through them. They can offer you the best price for health insurance at group rates. You have to pay an annual fee to the Chamber so that's the only snag, and it pays to check out different Chambers because each one is different with some being cheaper than others.
need help with car insurance -
Have had State Farm since I was 16 - my house is also State Farm. Just found out that almost 2 years ago my now 23-year-old daughter who still lives with me got a DUI. State Farm is dropping us both. My record is very good - one tiny accident (hit a pot hole and had to have new aluminum wheel) in over 13 years. If she could live on her own on her salary I would make her - but she can't. She doesn't drive my car - I think I have asked her to get gas for me on a couple of occasions - and when we go on vacation she might take a turn. Any ideas? What will insurance cost me now - any good companies to go with? HELPPPPPP!!!
car insurance
I have a teenage daughter on my car insurance (thankfully neither of us have ever had an accident). If you're over 50, you can join AARP and then you're eligible for discount insurance through the Hartford. They saved me about $60.00 a month over any other insurance I had previously. If you meet the age requirements, look into it.
insurance
My son had a DUI and the ins was going to cancel us but they said if I only insured myself and my son showed proof of other ins that they'd keep me. Could this work for you?? Just a thought...
PIP INSURANCE
Everyone who lives in Florida should be aware that the PIP insurance as we know it is soon to expire on 10/1/07. Please go to the web site http://www.wpbf.com/index.html. In the center, scroll down a little in the middle is a survery that asks Do you think personal injury protection (PIP) should be eliminated? Please go on line and vote NO. Send this email to everyone you know. We want hundreds of votes.
Also, please send a letter to Governor Charlie Crist,o to Speaker Marco Rubio and Senate President Ken Pruitt. You can find their email addresses on MyFlorida.com. It is very important that they add this to their agenda on 6/12/07 for their special session.
Thanks for your help.
Insurance...
I agree with not being able to do that. I cannot get on my boyfriend's insurance because we aren't married but maybe it's state specific or company specific. If they are allowing gay/lesbian couples to ensure their significant others, then allowing ex-spouses or bf/gf to be insured by the other may be possible.
Insurance
Did you start a claim with the existing insurance? This happened to me, I had to do the cobra until my husband's new insurance kicked in, and they accepted the pregnancy not problem. I would call your current carrier and ask curiously. Some insurances dont have a problem as long as there was no gap without insureance. It so happened that the new insurance picked us up in just 30 days and we only paided the cobra for one month. I think when it comes to pregnancy, pre-existing does not apply, as long as there was no gap. Check it out. It was awhile ago for me.
Insurance sm
It sounds like you're a great friend and neighbor!
Our neighbor never gave us their insurance information. Our situation is a different because in addition to physical scars, our daughter has emotional scars from this dog bite that will take a long time to recover from.
I did some research on the dog bite law. Sometimes insurance companies will cancel the homeowners policy if there is a dog bite on the property. If they don't cancel it, the insurance premium will increase by a lot. I think this is why they didn't try to go through the insurance company and thought we would accept this small check.
We believed them when they said they would take care of everything. I guess we're just too nice! 
but you do have insurance, it's the same
I didn't have a job, even though I do. It's lying. It's fraud.
Pet Insurance
I have some pet insurance. It is $17 a month for each dog. I figure, for $200 a year, if the dog lives to be 15 that would be a total of $3000 over the life of the dog. Which can be less than the cost of a single operation.
So I got the insurance. Andy had a minor surgery (removal of keratocanthoma) that came to $600, including $200 to have his teeth cleaned (not covered). After the deductible I got a check from the company for $300. I was pretty happy with that.
insurance
Does insurance cover any of the cost for implaints or dentures?
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