What happens when young adults leave their parents'' insurance policy

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When young adults graduate from college and start living on their own, several changes result that differ significantly from when they were living with their parents. Not only do they start taking on added responsibilities, but their financial obligations become more significant as they start to pay for their own rent, food and car.
Kiplinger.com* indicates something else they do is start paying for their own auto insurance, as insurers often require young adults who were originally under their parents' plans to buy their own policies.
Perhaps because of its ease or parents' influence, these young adults often sign up for their own policy with the same provider they had under their mom and dad.
But as the source indicates, it pays to shop around.
"Even if you're happy with your policy, it's a good idea for anyone of any age or life stage to examine his or her coverage now and then to make sure he or she is getting the best deal," the financial news periodical indicates. "But it's especially important for young adults because several factors that go into calculating your rate are in flux in your twenties and thirties."
It pays to get older
Advancing in age is particularly beneficial for young policyholders, as the source indicates. Young drivers tend to have the highest rates, as statistics suggest teenagers are involved in traffic accidents more frequently than people who are older. The older individuals get, the more likely it is their rates will decline, provided they have a good traffic safety record.
Establishing good credit can help policyholders save
The building of credit can also have influence on premiums. Kiplinger.com notes that because young people often have limited credit, it can initially result in higher insurance rates. But as younger policyholders age and consistently make their payments on time, insurers often respond favorably by lowering rates.
Graduating from college may yield savings
Not only does getting older and having strong credit work in a young policyholders favor, graduating from college can also play a role in lower rates. Kinglinger.com cited how insurers look upon college graduates favorably, especially those with advanced degrees. Citing a study from Insure.com, the source indicates jobs that require graduate work tend to have the lowest rates.
Insurance shopping has never been easier
Kiplinger.com says the internet has made it easier than ever to shop for insurance. There's a wide variety of comparison websites, which price and contrast various providers and estimate what policyholders’ costs will be based upon certain factors they fill in, such as vehicle type, age and residence. However, some providers require that policyholders contact them directly.
Either way, insurers have increased the ways in which policyholders can obtain auto insurance coverage and the ways in which they can lower their monthly premiums.
*according to Kiplinger.com on Jan. 31, 2012

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"Take what you need and leave the rest, but never should have taken better"

"Take what you need and leave the rest, but never should have taken better" is a refrain from "The Night they Drove Old Dixie Down", one of the best-known songs of The Band.

Levon Helm, the revered drummer and singer of the band the Band has retained the core band for more than three decades, "peacefully" died on 19 April.

From CNN:

Born in Elaine, Arkansas, in 1940, the son of a cotton farmer, Helm rose to fame in the late 1960s and 1970s as a member of The Band, a folk rock band.

His voice, Soul, drawling highlighted many successful recordings, such as "The Weight", "The Night they Drove Old Dixie Down" and "Up on Cripple Creek".

Helm, 71, was diagnosed with throat cancer in 1998. He fell on hard times as the cancer took his voice and medical expenses threatened his home.

"You got to choose one-pay medical bills or pay the mortgage. Most people cannot do both, and I am no different, "said CNN in 2010.

So The Barn, as the residence is known around Christmas foster helm of Woodstock, New York, became the setting that calls a "last celebration". Not at all. Instead, The Barn became the Centre of an unlikely and unrivaled rock 'n roll revival.

It was there that Helm regularly hosted the midnight ramble, weekly concerts, which attracted sell-out crowds and media all-star. The result not only paid the Bills but also led to a recrudescence creative helm, with his collaborations with Grammy winning album produced back to back: "Dirt farmer" and "the 2007 Electric Dirt" of 2009.

"If I had my way about it, we probably would do it every night," said helm. "I'm not tired of it."

From Wikipedia:

Helm remained with The Band until their 1976 farewell performance, The Last Waltz, which was recorded in a documentary film director Martin Scorsese (an excerpt is embedded above). Many music fans know Helm through his appearance in the concert film, a performance notable for the fact that Helm's vocal tracks appear substantially as they sang during a grueling concert.

In the 1990s, the helm was diagnosed with throat cancer suffering hoarseness. Advised to undergo laryngectomy, helm instead underwent an arduous regimen of radiation therapy at Memorial with Cancer Center in New York City. Although the tumor was successfully removed, the rudder's vocal cords were damaged, and his powerful tenor voice and has been replaced by a quiet RASP. Initially Helm only played drums and relied on guest vocalists at the Rambles, but Helm's singing voice became louder. The January 10, 2004, she sang once again of his ramble sessions. In 2007, during production of dirt farmer, Helm estimated that his singing voice was 80% recovered.

The midnight ramble was an outgrowth of an idea Helm explained to Martin Scorsese in The Last Waltz. Earlier in the 20th century Helm explained, traveling medicine shows and music shows which Assassinators of F.S. Walcott rabbit, featuring African-American blues singers and dancers, would put futile performances in rural areas. This was turned into a song by the band, "The W.S. Walcott Medicine Show," with the name altered so the lyric was easier to sing.

"After the finale, which would have the midnight ramble," Helm told Scorsese. With young children off the premises, picked up the show: "the songs would get a bit more juicy. Jokes would get a little more fun and the best dancer would really get down and shake it a few times. A lot of rock and roll duck walks and moves came from that. "

Helm refused to play "The Night they Drove Old Dixie Down" by 1976, though he continued to perform "Midnight rambles" several times a month in his private residence in Woodstock, New York.

References:

Fans remember Levon Helm as he tackles the final stages of cancer. CNN.
Levon Helm, co-founder of The Band, died at 71. CNN.
Levon Helm, an icon of American music, is in the final stages of cancer ". Guardian.
Fauquier ENT Blog: Levon Helm, singer/drummer for The Band, dies of throat cancer http://goo.gl/tDgxL
Levon Helm. Wikipedia.

 

"Take what you need and leave the rest, but never should have taken better"

"Take what you need and leave the rest, but never should have taken better" is a refrain from "The Night they Drove Old Dixie Down", one of the best-known songs of The Band.

Levon Helm, the revered drummer and singer of the band the Band has retained the core band for more than three decades, "peacefully" died on 19 April.

From CNN:

Born in Elaine, Arkansas, in 1940, the son of a cotton farmer, Helm rose to fame in the late 1960s and 1970s as a member of The Band, a folk rock band.

His voice, Soul, drawling highlighted many successful recordings, such as "The Weight", "The Night they Drove Old Dixie Down" and "Up on Cripple Creek".

Helm, 71, was diagnosed with throat cancer in 1998. He fell on hard times as the cancer took his voice and medical expenses threatened his home.

"You got to choose one-pay medical bills or pay the mortgage. Most people cannot do both, and I am no different, "said CNN in 2010.

So The Barn, as the residence is known around Christmas foster helm of Woodstock, New York, became the setting that calls a "last celebration". Not at all. Instead, The Barn became the Centre of an unlikely and unrivaled rock 'n roll revival.

It was there that Helm regularly hosted the midnight ramble, weekly concerts, which attracted sell-out crowds and media all-star. The result not only paid the Bills but also led to a recrudescence creative helm, with his collaborations with Grammy winning album produced back to back: "Dirt farmer" and "the 2007 Electric Dirt" of 2009.

"If I had my way about it, we probably would do it every night," said helm. "I'm not tired of it."

From Wikipedia:

Helm remained with The Band until their 1976 farewell performance, The Last Waltz, which was recorded in a documentary film director Martin Scorsese (an excerpt is embedded above). Many music fans know Helm through his appearance in the concert film, a performance notable for the fact that Helm's vocal tracks appear substantially as they sang during a grueling concert.

In the 1990s, the helm was diagnosed with throat cancer suffering hoarseness. Advised to undergo laryngectomy, helm instead underwent an arduous regimen of radiation therapy at Memorial with Cancer Center in New York City. Although the tumor was successfully removed, the rudder's vocal cords were damaged, and his powerful tenor voice and has been replaced by a quiet RASP. Initially Helm only played drums and relied on guest vocalists at the Rambles, but Helm's singing voice became louder. The January 10, 2004, she sang once again of his ramble sessions. In 2007, during production of dirt farmer, Helm estimated that his singing voice was 80% recovered.

The midnight ramble was an outgrowth of an idea Helm explained to Martin Scorsese in The Last Waltz. Earlier in the 20th century Helm explained, traveling medicine shows and music shows which Assassinators of F.S. Walcott rabbit, featuring African-American blues singers and dancers, would put futile performances in rural areas. This was turned into a song by the band, "The W.S. Walcott Medicine Show," with the name altered so the lyric was easier to sing.

"After the finale, which would have the midnight ramble," Helm told Scorsese. With young children off the premises, picked up the show: "the songs would get a bit more juicy. Jokes would get a little more fun and the best dancer would really get down and shake it a few times. A lot of rock and roll duck walks and moves came from that. "

Helm refused to play "The Night they Drove Old Dixie Down" by 1976, though he continued to perform "Midnight rambles" several times a month in his private residence in Woodstock, New York.

References:

Fans remember Levon Helm as he tackles the final stages of cancer. CNN.
Levon Helm, co-founder of The Band, died at 71. CNN.
Levon Helm, an icon of American music, is in the final stages of cancer ". Guardian.
Fauquier ENT Blog: Levon Helm, singer/drummer for The Band, dies of throat cancer http://goo.gl/tDgxL
Levon Helm. Wikipedia.

 

"Take what you need and leave the rest, but never should have taken better"

"Take what you need and leave the rest, but never should have taken better" is a refrain from "The Night they Drove Old Dixie Down", one of the best-known songs of The Band.

Levon Helm, the revered drummer and singer of the band the Band has retained the core band for more than three decades, "peacefully" died on 19 April.

From CNN:

Born in Elaine, Arkansas, in 1940, the son of a cotton farmer, Helm rose to fame in the late 1960s and 1970s as a member of The Band, a folk rock band.

His voice, Soul, drawling highlighted many successful recordings, such as "The Weight", "The Night they Drove Old Dixie Down" and "Up on Cripple Creek".

Helm, 71, was diagnosed with throat cancer in 1998. He fell on hard times as the cancer took his voice and medical expenses threatened his home.

"You got to choose one-pay medical bills or pay the mortgage. Most people cannot do both, and I am no different, "said CNN in 2010.

So The Barn, as the residence is known around Christmas foster helm of Woodstock, New York, became the setting that calls a "last celebration". Not at all. Instead, The Barn became the Centre of an unlikely and unrivaled rock 'n roll revival.

It was there that Helm regularly hosted the midnight ramble, weekly concerts, which attracted sell-out crowds and media all-star. The result not only paid the Bills but also led to a recrudescence creative helm, with his collaborations with Grammy winning album produced back to back: "Dirt farmer" and "the 2007 Electric Dirt" of 2009.

"If I had my way about it, we probably would do it every night," said helm. "I'm not tired of it."

From Wikipedia:

Helm remained with The Band until their 1976 farewell performance, The Last Waltz, which was recorded in a documentary film director Martin Scorsese (an excerpt is embedded above). Many music fans know Helm through his appearance in the concert film, a performance notable for the fact that Helm's vocal tracks appear substantially as they sang during a grueling concert.

In the 1990s, the helm was diagnosed with throat cancer suffering hoarseness. Advised to undergo laryngectomy, helm instead underwent an arduous regimen of radiation therapy at Memorial with Cancer Center in New York City. Although the tumor was successfully removed, the rudder's vocal cords were damaged, and his powerful tenor voice and has been replaced by a quiet RASP. Initially Helm only played drums and relied on guest vocalists at the Rambles, but Helm's singing voice became louder. The January 10, 2004, she sang once again of his ramble sessions. In 2007, during production of dirt farmer, Helm estimated that his singing voice was 80% recovered.

The midnight ramble was an outgrowth of an idea Helm explained to Martin Scorsese in The Last Waltz. Earlier in the 20th century Helm explained, traveling medicine shows and music shows which Assassinators of F.S. Walcott rabbit, featuring African-American blues singers and dancers, would put futile performances in rural areas. This was turned into a song by the band, "The W.S. Walcott Medicine Show," with the name altered so the lyric was easier to sing.

"After the finale, which would have the midnight ramble," Helm told Scorsese. With young children off the premises, picked up the show: "the songs would get a bit more juicy. Jokes would get a little more fun and the best dancer would really get down and shake it a few times. A lot of rock and roll duck walks and moves came from that. "

Helm refused to play "The Night they Drove Old Dixie Down" by 1976, though he continued to perform "Midnight rambles" several times a month in his private residence in Woodstock, New York.

References:

Fans remember Levon Helm as he tackles the final stages of cancer. CNN.
Levon Helm, co-founder of The Band, died at 71. CNN.
Levon Helm, an icon of American music, is in the final stages of cancer ". Guardian.
Fauquier ENT Blog: Levon Helm, singer/drummer for The Band, dies of throat cancer http://goo.gl/tDgxL
Levon Helm. Wikipedia.

 

Take what you need and leave the rest, but never should have taken better"

Take what you need and leave the rest, but never should have taken better" is a refrain from "The Night they Drove Old Dixie Down", one of the best-known songs of The Band.
Levon Helm, the revered drummer and singer of the band the Band has retained the core band for more than three decades, "peacefully" died on 19 April.
From CNN:
Born in Elaine, Arkansas, in 1940, the son of a cotton farmer, Helm rose to fame in the late 1960s and 1970s as a member of The Band, a folk rock band.
His voice, Soul, drawling highlighted many successful recordings, such as "The Weight", "The Night they Drove Old Dixie Down" and "Up on Cripple Creek".
Helm, 71, was diagnosed with throat cancer in 1998. He fell on hard times as the cancer took his voice and medical expenses threatened his home.
"You got to choose one-pay medical bills or pay the mortgage. Most people cannot do both, and I am no different, "said CNN in 2010.
So The Barn, as the residence is known around Christmas foster helm of Woodstock, New York, became the setting that calls a "last celebration". Not at all. Instead, The Barn became the Centre of an unlikely and unrivaled rock 'n roll revival.
It was there that Helm regularly hosted the midnight ramble, weekly concerts, which attracted sell-out crowds and media all-star. The result not only paid the Bills but also led to a recrudescence creative helm, with his collaborations with Grammy winning album produced back to back: "Dirt farmer" and "the 2007 Electric Dirt" of 2009.
"If I had my way about it, we probably would do it every night," said helm. "I'm not tired of it."
From Wikipedia:
Helm remained with The Band until their 1976 farewell performance, The Last Waltz, which was recorded in a documentary film director Martin Scorsese (an excerpt is embedded above). Many music fans know Helm through his appearance in the concert film, a performance notable for the fact that Helm's vocal tracks appear substantially as they sang during a grueling concert.
In the 1990s, the helm was diagnosed with throat cancer suffering hoarseness. Advised to undergo laryngectomy, helm instead underwent an arduous regimen of radiation therapy at Memorial with Cancer Center in New York City. Although the tumor was successfully removed, the rudder's vocal cords were damaged, and his powerful tenor voice and has been replaced by a quiet RASP. Initially Helm only played drums and relied on guest vocalists at the Rambles, but Helm's singing voice became louder. The January 10, 2004, she sang once again of his ramble sessions. In 2007, during production of dirt farmer, Helm estimated that his singing voice was 80% recovered.
The midnight ramble was an outgrowth of an idea Helm explained to Martin Scorsese in The Last Waltz. Earlier in the 20th century Helm explained, traveling medicine shows and music shows which Assassinators of F.S. Walcott rabbit, featuring African-American blues singers and dancers, would put futile performances in rural areas. This was turned into a song by the band, "The W.S. Walcott Medicine Show," with the name altered so the lyric was easier to sing.
"After the finale, which would have the midnight ramble," Helm told Scorsese. With young children off the premises, picked up the show: "the songs would get a bit more juicy. Jokes would get a little more fun and the best dancer would really get down and shake it a few times. A lot of rock and roll duck walks and moves came from that. "
Helm refused to play "The Night they Drove Old Dixie Down" by 1976, though he continued to perform "Midnight rambles" several times a month in his private residence in Woodstock, New York.
References:
Fans remember Levon Helm as he tackles the final stages of cancer. CNN.
Levon Helm, co-founder of The Band, died at 71. CNN.
Levon Helm, an icon of American music, is in the final stages of cancer ". Guardian.
Fauquier ENT Blog: Levon Helm, singer/drummer for The Band, dies of throat cancer http://goo.gl/tDgxL