Cost-Saving Tips for Insuring Teen Drivers
by Penny Hagerman
Saving money on auto insurance helps everyone's pocketbook. But
once your teenager gets behind the wheel, all hope of cheap car
insurance rates is lost.
Or is it?
The Low-Down
Here's the bad news: adding a teen driver to your policy
can increase your auto insurance rates by as much as 50 to 100
percent. This is simply because young people often take risks
while driving, and don't have the experience needed to make wise
decisions behind the wheel.
Distraction also causes many accidents and deaths on the road
where young people are concerned.
But there is good news. You can impact those auto
insurance increases--and keep them to a minimum--just by
planning ahead and taking decisive action.
If you and your child are willing to work together to help keep
costs low, you might be surprised the difference you'll see in
your auto insurance rates.
What You Can Do
So what can you do to help keep car insurance rates low?
Follow these cost-saving tips recommended by insurance
experts:
Insure your son or daughter on your auto insurance
policy. It is generally cheaper to add your teenager to your
insurance policy than to purchase a separate one just for the
child. If your child will be driving his or her own car, adding
that vehicle to your own policy also qualifies you for a
multi-policy discount.
Encourage your teen to get good grades and take a driver's
training course. Most auto insurance companies offer student
discounts for maintaining at least a "B" average in school and
taking driver's training courses.
Shop around for the best rates and coverage before you settle
on a new policy. Insurance companies vary dramatically in
their pricing strategies concerning young drivers, so make sure
to compare offerings side-by-side.
Pick a safe car for your teenager to drive. The type of
car a young person drives can dramatically affect the price you
pay for car insurance. A safe, easy-to-drive car poses less risk
to both your auto insurance company and your teenager--and helps
keep insurance rates down.
Inform your insurer if your child is going away to
school. When your young person attends school at least 100
miles away and leaves the car at home, you qualify for an auto
insurance discount during that time, since the risk of accident
is reduced while they're away.
Be a good role model for your teen. Always wear your
seatbelt; follow traffic laws, and remember that children often
mimic what their parents do. The better example you set while
driving, the better driver your teen will most likely
be--resulting in lower car insurance rates.
Encourage safe driving habits. Initiate conversations
about the risks of distractions, drinking and driving, and lack
of sufficient sleep before driving. Discuss with your teen how
using a cell phone, talking to friends or listening to music can
distract the attention and cause an accident, further escalating
auto insurance costs.
Limit the amount of time your teenager may drive without your
supervision. Many states have already reduced their rate of
teen accident by restricting the amount of time new drivers may
be on the road without adult supervision. So take responsibility
for your teen's driving time; you'll help keep your child
safe--and keep auto
insurance rates low.
The Results
By planning ahead and taking decisive action, you and your child
can safely navigate the teenage years and keep auto insurance
increases to a minimum.
All it takes is a little time, effort and--most
importantly--communication!
_________________________________________________________________
_____
About InsureMe
InsureMe, an Englewood, Colorado-based company, links agents
nationwide with consumers shopping for insurance. Specializing
in home, life, long-term care, health and car insurance quotes, the
InsureMe network provides thousands of agents with insurance leads every
year. For more information, visit InsureMe.com.
Showing posts with label teens. Show all posts
Showing posts with label teens. Show all posts
Saturday, June 19, 2010
Eating Disorders: A Teenager Needs Advice
Eating Disorders: A Teenager Needs Advice
by Dr. Jennifer Sowle
Dear Dr. J.
I am 16 years old and I think I think I have an eating disorder.
My mom loves me very much and she's always supported me in my
dream to be a model. Ever since I can remember, my mom has tried
to help me find the right clothes, talk right, and get exercise
and eat in a healthy way. Up until this year, I really thought I
wanted to be a model, but now I'm in my junior year of high
school and I think I want to go to college to be a teacher or
maybe join the Peace Corps. I've never had a boyfriend before
and now I'm going with Tim who thinks I'm beautiful whether I
wear makeup or not. In fact, he says he likes the "natural
look". I've stopped wearing so much makeup and I've been eating
more when I go out with Tim.
It was Tim who noticed that I hardly eat anything when I'm out.
He wonders if I have a problem. His sister had anorexia and had
to go away to a treatment place. He's worried about me. I'm
trying to show him that I don't have anorexia like his sister,
but now I feel terrible because I've been throwing up since I
was 13. I feel like I should tell him, but I don't want to lose
him. My mom is mad because she says I look "terrible" and that
I'm "letting myself go". I have gained a little bit of weight
and Tim thinks I look pretty. My mom keeps asking me if I'm
exercising. She made a deal with me that I could go out more if
I exercise and stop eating sweets. She had some chocolates
hidden up in the pantry and I got into them and ate some, and
she found out and was really mad.
Tim is really nice and is popular and studies and is planning to
go to college. His parents go to our church and are really nice
too. Now my mom says I'm spending too much time with Tim and
wants me to limit it to once every two weeks. I don't understand
why she's so mad.
I think I have bulemia. What should I do? I don't want to hurt
anybody's feelings, especially my mom, but I think she's too
much in my business. Everyday when I get home, she asks about
what this girl said, or that girl said. She wants to know
everything Tim says and then gets mad when I tell her. Maybe I
should just break up with Tim so he doesn't get hurt.
Marcie
Dear Marcie:
Yes, I certainly think you do have Bulemia Nervosa. You can
check the specific symptoms here on the website. If you are
vomiting after you eat as part of trying to control your weight,
you have a problem. It is very important for you to get help
with this right away.
Up until recently, your mother has been totally in charge of
your decisions. She decides what you should wear, eat, and do.
She is way too involved and way too controlling. Part of the
clinical picture for a Bulemic is an overinvolved mother. Your
mother needs to get therapy to help her find a more healthy way
of relating to a teenage daughter. Perhaps she could be a part
of your therapy at some point. It appears that your mother has
revolved her life around you and that isn't good. She may even
be trying to live her life vicariously through you. Because of
this, if you don't do as she expects, she becomes frustrated and
angry, and tries anything to get you back under her control. She
is going to try to break up your relationship with Tim because
he has an influence on you that is running contrary to hers. I
know this sounds harsh, but somebody has to say it...your
mother needs to back off and let you be who you want to be.
Hopefully, you will go away to college and at least create some
physical distance with your mother.
Because you have this enmeshed (too close) relationship with
your mother, you have never developed an internal guide to help
you make your own decisions. Now that you have Tim in your life,
you're now trying to please him too. The stress of being caught
between the needs of these two powerful people in your life
could make your eating disorder worse. As strange as this seems,
your eating disorder gives you a sense of control. Even though
you feel out of control when you're in it, it is the one thing
you do have control over. This does sound strange, and that's
why you need to get into therapy with somebody who understands
the complexities of this condition. Even if you attach yourself
to the therapist for a while and try to please her, at least you
will have the influence of somebody who has your best interests
at heart. Eventually, however, the purpose of the therapy is to
help you find your own inner voice which tells you what you need
and want. My guess is that you have anxiety about being perfect
and not making mistakes. You mentioned that Tim is your first
boyfriend and he's probably the first person outside the family
who has had a different opinion. This can throw you into quite a
turmoil on a very deep level. Depression and anxiety are
probably part of what you are experiencing right now. Check with
your school and see if they can help get you a referral to a
therapist or eating disorder group facilitated by a
professional. The school counselor could also be a valuable
mediator in approaching your mother about getting help. She will
be very threatened by your seeking therapy. She will be afraid
the therapist will blame her and I'm not sure her ego strength
is that solid. Whatever you do, do not take responsibility for
the feelings of these loved ones. It is up to them to deal with
their own feelings. It's your job to focus on yourself so that
you can begin to recover from this eating disorder.
Dr. Sowle
by Dr. Jennifer Sowle
Dear Dr. J.
I am 16 years old and I think I think I have an eating disorder.
My mom loves me very much and she's always supported me in my
dream to be a model. Ever since I can remember, my mom has tried
to help me find the right clothes, talk right, and get exercise
and eat in a healthy way. Up until this year, I really thought I
wanted to be a model, but now I'm in my junior year of high
school and I think I want to go to college to be a teacher or
maybe join the Peace Corps. I've never had a boyfriend before
and now I'm going with Tim who thinks I'm beautiful whether I
wear makeup or not. In fact, he says he likes the "natural
look". I've stopped wearing so much makeup and I've been eating
more when I go out with Tim.
It was Tim who noticed that I hardly eat anything when I'm out.
He wonders if I have a problem. His sister had anorexia and had
to go away to a treatment place. He's worried about me. I'm
trying to show him that I don't have anorexia like his sister,
but now I feel terrible because I've been throwing up since I
was 13. I feel like I should tell him, but I don't want to lose
him. My mom is mad because she says I look "terrible" and that
I'm "letting myself go". I have gained a little bit of weight
and Tim thinks I look pretty. My mom keeps asking me if I'm
exercising. She made a deal with me that I could go out more if
I exercise and stop eating sweets. She had some chocolates
hidden up in the pantry and I got into them and ate some, and
she found out and was really mad.
Tim is really nice and is popular and studies and is planning to
go to college. His parents go to our church and are really nice
too. Now my mom says I'm spending too much time with Tim and
wants me to limit it to once every two weeks. I don't understand
why she's so mad.
I think I have bulemia. What should I do? I don't want to hurt
anybody's feelings, especially my mom, but I think she's too
much in my business. Everyday when I get home, she asks about
what this girl said, or that girl said. She wants to know
everything Tim says and then gets mad when I tell her. Maybe I
should just break up with Tim so he doesn't get hurt.
Marcie
Dear Marcie:
Yes, I certainly think you do have Bulemia Nervosa. You can
check the specific symptoms here on the website. If you are
vomiting after you eat as part of trying to control your weight,
you have a problem. It is very important for you to get help
with this right away.
Up until recently, your mother has been totally in charge of
your decisions. She decides what you should wear, eat, and do.
She is way too involved and way too controlling. Part of the
clinical picture for a Bulemic is an overinvolved mother. Your
mother needs to get therapy to help her find a more healthy way
of relating to a teenage daughter. Perhaps she could be a part
of your therapy at some point. It appears that your mother has
revolved her life around you and that isn't good. She may even
be trying to live her life vicariously through you. Because of
this, if you don't do as she expects, she becomes frustrated and
angry, and tries anything to get you back under her control. She
is going to try to break up your relationship with Tim because
he has an influence on you that is running contrary to hers. I
know this sounds harsh, but somebody has to say it...your
mother needs to back off and let you be who you want to be.
Hopefully, you will go away to college and at least create some
physical distance with your mother.
Because you have this enmeshed (too close) relationship with
your mother, you have never developed an internal guide to help
you make your own decisions. Now that you have Tim in your life,
you're now trying to please him too. The stress of being caught
between the needs of these two powerful people in your life
could make your eating disorder worse. As strange as this seems,
your eating disorder gives you a sense of control. Even though
you feel out of control when you're in it, it is the one thing
you do have control over. This does sound strange, and that's
why you need to get into therapy with somebody who understands
the complexities of this condition. Even if you attach yourself
to the therapist for a while and try to please her, at least you
will have the influence of somebody who has your best interests
at heart. Eventually, however, the purpose of the therapy is to
help you find your own inner voice which tells you what you need
and want. My guess is that you have anxiety about being perfect
and not making mistakes. You mentioned that Tim is your first
boyfriend and he's probably the first person outside the family
who has had a different opinion. This can throw you into quite a
turmoil on a very deep level. Depression and anxiety are
probably part of what you are experiencing right now. Check with
your school and see if they can help get you a referral to a
therapist or eating disorder group facilitated by a
professional. The school counselor could also be a valuable
mediator in approaching your mother about getting help. She will
be very threatened by your seeking therapy. She will be afraid
the therapist will blame her and I'm not sure her ego strength
is that solid. Whatever you do, do not take responsibility for
the feelings of these loved ones. It is up to them to deal with
their own feelings. It's your job to focus on yourself so that
you can begin to recover from this eating disorder.
Dr. Sowle
Home Remedies For Acne - No Myths Involved
Home Remedies For Acne - No Myths Involved
by Alan Dickson
There are home remedies for acne that have proven to be as effective in clearing pimples as any costly medicated creams. These are concoctions you can easily make at home with ingredients that you might even find right under you nose. They are very simple to do and you won't need to spend on it at all.
With so many tips on how to make homemade treatment for pimples, it is quite overwhelming to choose which one is the best for you. It would be quite a hassle to try them all out to find out which one actually works. The best advice one can get is one that has a scientific explanation to it; a homemade recipe for acne that is considerably scientifically proven.
Before anything else, finding out what causes pimples would be helpful information in considering which of the homemade pimple treatments are really effective. Pimples are caused by the blockage of the pores. Fact is, oil is consistently being produced under the skin. Once the skin's pores are blocked, the oil will not be able to find its way out. The trapped oil will eventually gather bacteria that accumulate overtime under the skin. The oil and the bacteria are the reasons why our outer skin gets those bumps, which we call pimples. It happens mostly during puberty. At this age, the skin gets relatively thicker and oilier; making it more conducive to the clogging of the pores. Big acne is more prominent in teenagers than adults due to the same reason.
Undoubtedly, there are medicated pimple treatments that really work. Scientists have studied everything about pimples and have come up with active ingredients that can combat the causes of pimple growth. These ingredients are now found in almost every costly acne treatment cream in the market.
Benzoyl peroxide and salicylic acid are the top active ingredients used to make the leading pimple treatment creams available in the market today. These ingredients are clinically proven to enhance skin regeneration, eliminate bacteria, and unclog the pores of the skin surface.
As I said in the beginning, there is a 100% chance that you will find the ingredients you need in concocting home remedies for acne solution in your in your house, right at this very moment. Benzoyl peroxide is an ingredient of most toothpaste. Salicylic acid is found in aspirin and some dandruff shampoo. However, wait; don't apply these items on your pimples just yet. Benzoyl peroxide and salicylic acid are known to dry up the skin. You will need some more products that will help moisturize and invigorate your skin.
There are countless of natural produce that are effective in moisturizing and revitalizing the skin. Mint, thyme, cucumber, aloe, berries, egg whites, and even garlic are perfect to use in making your home remedies for acne. Any of these will do. Two or three of it is even better. Just put any of the mentioned natural items in a blender, mix in a spoonful of toothpaste or 2 tablets of aspirin, push the puree button, and you're all done. Apply your concoction on the affected area, put more if you have big acne. Do this before you go to bed and leave it overnight. If you do this religiously, expect that your face will be clear of pimples in less than 2 weeks.
Although these home remedies for acne are very effective in getting rid of pimples, there are some major facts you have to remember so as to achieve the best results in curing acne. Cleaning your face will help avoid bacteria build-up; fatty foods will accelerate the production of oil in your face; popping a pimple will cause the skin to scar which might be visible for many years to come. With these in mind, make sure your face is clean, wash it three to four times a day; avoid eating fatty foods; never ever squeeze big acne (or any sized acne for that matter). If you adhere to all these, your pimples will be gone in no time.
About the Author:
by Alan Dickson
There are home remedies for acne that have proven to be as effective in clearing pimples as any costly medicated creams. These are concoctions you can easily make at home with ingredients that you might even find right under you nose. They are very simple to do and you won't need to spend on it at all.
With so many tips on how to make homemade treatment for pimples, it is quite overwhelming to choose which one is the best for you. It would be quite a hassle to try them all out to find out which one actually works. The best advice one can get is one that has a scientific explanation to it; a homemade recipe for acne that is considerably scientifically proven.
Before anything else, finding out what causes pimples would be helpful information in considering which of the homemade pimple treatments are really effective. Pimples are caused by the blockage of the pores. Fact is, oil is consistently being produced under the skin. Once the skin's pores are blocked, the oil will not be able to find its way out. The trapped oil will eventually gather bacteria that accumulate overtime under the skin. The oil and the bacteria are the reasons why our outer skin gets those bumps, which we call pimples. It happens mostly during puberty. At this age, the skin gets relatively thicker and oilier; making it more conducive to the clogging of the pores. Big acne is more prominent in teenagers than adults due to the same reason.
Undoubtedly, there are medicated pimple treatments that really work. Scientists have studied everything about pimples and have come up with active ingredients that can combat the causes of pimple growth. These ingredients are now found in almost every costly acne treatment cream in the market.
Benzoyl peroxide and salicylic acid are the top active ingredients used to make the leading pimple treatment creams available in the market today. These ingredients are clinically proven to enhance skin regeneration, eliminate bacteria, and unclog the pores of the skin surface.
As I said in the beginning, there is a 100% chance that you will find the ingredients you need in concocting home remedies for acne solution in your in your house, right at this very moment. Benzoyl peroxide is an ingredient of most toothpaste. Salicylic acid is found in aspirin and some dandruff shampoo. However, wait; don't apply these items on your pimples just yet. Benzoyl peroxide and salicylic acid are known to dry up the skin. You will need some more products that will help moisturize and invigorate your skin.
There are countless of natural produce that are effective in moisturizing and revitalizing the skin. Mint, thyme, cucumber, aloe, berries, egg whites, and even garlic are perfect to use in making your home remedies for acne. Any of these will do. Two or three of it is even better. Just put any of the mentioned natural items in a blender, mix in a spoonful of toothpaste or 2 tablets of aspirin, push the puree button, and you're all done. Apply your concoction on the affected area, put more if you have big acne. Do this before you go to bed and leave it overnight. If you do this religiously, expect that your face will be clear of pimples in less than 2 weeks.
Although these home remedies for acne are very effective in getting rid of pimples, there are some major facts you have to remember so as to achieve the best results in curing acne. Cleaning your face will help avoid bacteria build-up; fatty foods will accelerate the production of oil in your face; popping a pimple will cause the skin to scar which might be visible for many years to come. With these in mind, make sure your face is clean, wash it three to four times a day; avoid eating fatty foods; never ever squeeze big acne (or any sized acne for that matter). If you adhere to all these, your pimples will be gone in no time.
About the Author:
More interesting stuff on home remedies for acne and similar subjects is available at AcneHomeRemediesHowTo.com. You will also be in the right place for all big acne queries and related matters. Click on a link now !
How To Get Rid Of Acne Scars Immediately
How To Get Rid Of Acne Scars Immediately
by Alan Dickson
Once the pimples are gone, the question on ?how to get rid of acne scars? is inevitable. Don't worry pimple scars are usually just superficial, especially the small ones. Let time take its course and they will eventually clear up.
If your scars are quite bigger and deeper, well, you will need more than time to solve that problem. Some action needs to be taken. The fastest, riskiest, and most expensive solution is through surgery or laser treatment. If you are loaded and not afraid of the knife, then by all means do so.
You don't need to spend so much and go under the knife to solve your problem. There are acne treatment system creams available in the market that will give you the same results. It might not work as fast as surgery or a laser procedure, but it still does wonders to your skin in almost no time at all.
Topical pimple creams are still by far the most harmless and cheapest cure for acne scars. In fact, there are so many to choose from. Ask any sales person in a drugstore ,?how to get rid of acne scars? and he will point you to a row of shelves containing dozens of different kinds of pimple creams. With so many to choose from, it is wise to know which of them are effective.
So, how to get rid of acne scars with these kinds of topical creams? Before anything else, know that a pimple scar has a tougher texture and a darker pigmentation compared to your natural skin. Therefore, the pimple cream you are availing of should be able to soften and lighten that certain area of the skin.
It has been scientifically proven that acne treatment system which contain acai berry, Niacin amide, asafetida, rosehip oil, and hexapeptide-9 are quite effective in clearing pimple scars. They are active ingredients, which help promote cell regeneration. At the same, it moisturizes and lightens the affected skin area while killing bacteria that aggravates the wound. Check the label; many medicated pimple treatments contain such ingredients. Better yet, order online to save you the trip and hassle of looking from one bottle to the other.
Surely, you will get the best value for your money if you avail of an acne treatment system that contains all of the active ingredients mentioned earlier. It has been proven by experts and users alike that this treatment not only gets rid of pimples and pimple scars, they stop the pimples from coming back all together. No more pimples?no more scars. This is where the story ends and you get to have a happily ever after ending.
Notice that adults ask the question ?how to get rid of acne scars?, too. Most of them haven't even had pimples for more than 10 years now, yet pimple scars are still very visible on their skin. You should know that once your pimple scars are not treated immediately, it is possible that these scars will be with you for a long time. Therefore, for better and faster results, it is advisable that you treat them at once.
About the Author:
by Alan Dickson
Once the pimples are gone, the question on ?how to get rid of acne scars? is inevitable. Don't worry pimple scars are usually just superficial, especially the small ones. Let time take its course and they will eventually clear up.
If your scars are quite bigger and deeper, well, you will need more than time to solve that problem. Some action needs to be taken. The fastest, riskiest, and most expensive solution is through surgery or laser treatment. If you are loaded and not afraid of the knife, then by all means do so.
You don't need to spend so much and go under the knife to solve your problem. There are acne treatment system creams available in the market that will give you the same results. It might not work as fast as surgery or a laser procedure, but it still does wonders to your skin in almost no time at all.
Topical pimple creams are still by far the most harmless and cheapest cure for acne scars. In fact, there are so many to choose from. Ask any sales person in a drugstore ,?how to get rid of acne scars? and he will point you to a row of shelves containing dozens of different kinds of pimple creams. With so many to choose from, it is wise to know which of them are effective.
So, how to get rid of acne scars with these kinds of topical creams? Before anything else, know that a pimple scar has a tougher texture and a darker pigmentation compared to your natural skin. Therefore, the pimple cream you are availing of should be able to soften and lighten that certain area of the skin.
It has been scientifically proven that acne treatment system which contain acai berry, Niacin amide, asafetida, rosehip oil, and hexapeptide-9 are quite effective in clearing pimple scars. They are active ingredients, which help promote cell regeneration. At the same, it moisturizes and lightens the affected skin area while killing bacteria that aggravates the wound. Check the label; many medicated pimple treatments contain such ingredients. Better yet, order online to save you the trip and hassle of looking from one bottle to the other.
Surely, you will get the best value for your money if you avail of an acne treatment system that contains all of the active ingredients mentioned earlier. It has been proven by experts and users alike that this treatment not only gets rid of pimples and pimple scars, they stop the pimples from coming back all together. No more pimples?no more scars. This is where the story ends and you get to have a happily ever after ending.
Notice that adults ask the question ?how to get rid of acne scars?, too. Most of them haven't even had pimples for more than 10 years now, yet pimple scars are still very visible on their skin. You should know that once your pimple scars are not treated immediately, it is possible that these scars will be with you for a long time. Therefore, for better and faster results, it is advisable that you treat them at once.
About the Author:
AcneHomeRemediesHowTo.com is the premier resource for how to get rid of acne scars information on the Internet, with facts and articles on acne treatment system related topics, and much more. Click the links above for more information !
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