Teaching Driving Responsibility To Your Teen

You might be thinking, I don’t have to worry about this yet, my kids aren’t old enough to drive. The truth is they’re watching you now. Are you using your phone when you’re driving? Do you always where your seat belt in the car? Do you always keep your eyes on the road? No one is perfect but trying to set an example will help for the future.

If your teen just got their permit or drivers license there is even more you can do. Check out my post on Three Rivers car dealership about Teen Driver Responsibility.

New Teen Driver? How To Save On Car Insurance

When my oldest son got his permit we started talking to our insurance agent about how much it was going to cost when it was time to add him to our insurance. Our insurance was already pretty high and when they told us it would double, well we started looking around for ways to save.

We talked to two different insurance brokers who told us the insurance company we’ve had for years is one of the most expensive ones out there if not the most expensive one. So we got a few quotes through the broker and did some on our own and found out that almost any one we went with was going to be cheaper. But there were a few that gave better rates for new drivers.

By just doing that we were able to save $1000 when adding our oldest son to our policy. We’re now paying as much with my 16 year old son added to our policy as we were with my my husband and I with the old company!

Find out what else you can do to save money on insurance with a new teen driver in the post I wrote for Quigley car dealership: New Teen Driver Insurance

5 Car Features You Might Not Know About

I remember on more than one occasions riding in the car with someone. They say “I can’t remember which side of the car the gas tank is on” When I showed them that there car tells them which side it’s on they were surprised. I honestly thought everyone knew that but apparently not.

A few years ago, I went to put air in my tires. I honestly didn’t know how much to put in the tires. I was looking on the tire itself, the thumbed through my manual, I couldn’t find it. A nice man saw me struggling and showed me exactly where to find that info and it was very convenient.

To find out about these and more visit my post on Reedman Tolls website, Learning More About Your Car

Dirty Hearts Book Tour & Giveaway

Dirty Hearts Gangsters and Dolls Book 1 by Khardine Gray Genre: Mafia Romance

From USA Today Bestselling author Khardine Gray comes a sexy, delightfully devilish, seductive second chance Mafia Romance. Be prepared to take a walk on the dark side. Claudius Rule #1 of being mafia boss- Trust no one. Rule # 2– Keep your friends and enemies damn close. In the underground world, friends and enemies could be the same thing. My story started out with a guy who liked a girl. She looked like an angel to him. I was the guy, Ava the angel. But I got caught in a game I didn’t want to play. A game with the devil that destroyed me. My life turned into this world where I got married to her twin sister and Ava hated me. The situation became my weakness when my enemies used it against me, and killed my wife. Ava could have died too so I stayed away from her. It was safer that way. Year in, year out I tell myself the same thing, and I stay away. But, the universe had other ideas, and threw her right back in my path. I can’t have her. An angel like her doesn’t belong in the darkness of my world. I know this, except, I’m selfish. I should leave her alone, but I can’t. The problem is …history is repeating itself, and there’s an enemy in my circle. It’s the same game as before and this time losing could get her killed. Ava Avoid him… That was the most sensible thing to do. Besides, Claudius wasn’t any old guy. He was the don of the Chicago mafia. Ten years ago, when I’d first met him, I knew the man was trouble, but I didn’t listen. He’d made me love’s fool and broke my heart in so many ways when he married my sister. That was a lesson to learn. So, what was I doing running back into the arms of a man I shouldn’t be with? We were like darkness and light. Different. Too different. Coincidence reunited us, but my heart did the rest. My heart blinded me to sense and logic, and stifled the voice inside that told me to run away. My heart made me selfish… I wanted him for myself. I knew I shouldn’t be with him, but I couldn’t leave him alone. That very thing could be my downfall. This isn’t like any other second chance romance you’ve read before… If you loved Lucian Morientz from Mafia Boss, you’re gonna love his brother, Claudius. Dirty Hearts is a complete standalone, full length novel, with no cliff hanger and part of the Gangsters and Dolls series. The Gangsters and Dolls series is a spin off from The Accidental Mafia Queen series. Continue the adventure with these sizzling hot, drool-worthy Alpha males.**Only 99 cents!!** Goodreads * Amazon

Khardine Gray is a contemporary romance author who lives in England with her husband, two kids, and three crazy ferrets. She is well traveled, cultured, and a woman with a passion for dancing and ice skating. When not writing you can catch her shopping, indulging on pizza and hot chocolate, or hanging out with her family and friends. No need to spend money on an airline ticket. Simply pick up one of Khardine’s books to become immersed in the fascinating stories and characters she creates. Website * Newsletter * Facebook * Facebook Group * Twitter * Bookbub * Amazon * Goodreads

P R O L O G U E
Claudius
&
Ava

Claudius
I usually did what I wanted. As I damn well pleased, never caring what people thought.
After all, I was Claudius Morientz, now the new leader of the Chicago Mafia.
Proud owner of everything. A billion-dollar fortune inherited from the great Raphael Rossi. I got
the business and everything that came with it.
Money and power.
Yes, I had it all.
I had everything… Except the girl.
This day was always bad. It always felt the same no matter how much time passed.
This day always got to me. It got to me because it was a yearly reminder of what I’d lost, and
what I couldn’t have.
I stood in the bell tower of the church overlooking the grave site. My wife’s grave site. My wife,
Marissa. Kneeling next to the grave was Ava. Her twin sister. And like every other year, I did the
same thing. Cemetery first thing in the morning. Then stay in the shadows of the bell tower
watching Ava and her family mourn. Stay in the shadows watching Ava spend those last few
moments with her sister after her parents left. Allowing and respecting her time to be alone with
the one person who’d
shared everything with her.
I must have been a hundred feet away, but I could see the sadness in her. I could feel it. I could
almost touch it. Sadness and confusion. Sadness for her loss and confusion over what had
really happened.
What had happened to us.
Mine was a story that I was certain would confuse the shit out of a lot of people.
It confused me sometimes. One thing was certain though.
My feelings for her had never changed.
The sun was low, and the place had that feel about it. That feeling of anticipation.
Ava stood up and looked around. I knew she could sense me. It was almost like magic. There
was a time when I’d look at her and I didn’t have to say anything. She’d know what I was
thinking. She was the only woman to truly tame the beast in me.
The only woman to reach that place in my soul and make me want to try to be anything other
than I was. The standard mobster who was ruthless to the bone.
It was happening now. The lure of her. It grew stronger the more she looked around.

Ava
I was sure he was here. I could feel him.
Claudius.
He’d always leave a single white rose on Marissa’s grave.
Always before anybody else came. Ma and Pa would bring dahlias. I’d bring lilies. The pink
Calla lilies Marissa had loved so much.
The minute I saw the rose, I knew he’d been here, and I knew he still was. My parents and I got
here an hour ago. Like always, I’d asked for time alone. Time to grieve and talk to my sister. But
admittedly, I wanted this time to feel him too. I’d be lying if I said I didn’t want that. I’d be lying to
myself if I didn’t accept the truth of the matter.
His presence was so strong, he could have been standing before me.
And there was the confliction that would always fill my soul.
What was I supposed to think after the last time?
What was I supposed to feel?
Nothing?

It was simple. I knew the answer was simple. I needed to forget. That was it. Forget.
A person couldn’t keep living in the past. Worse when all the memories were just figments of
what my heart wanted.
Forget everything and move on. Not just from four years ago when Claudius and I had last seen
each other. It needed to be the whole thing. The whole damn thing from start to finish.
Us, before him and Marissa.
Forget it like it never happened.
I needed to forget him. It was making me feel like a hypocrite.
How was I supposed to grieve for my sister and at the same time fight the inner turmoil that
roiled within me for her husband?
It sounded like a colossal mess.
One damn mess that no one could really fix. I looked around for him, and my stupid heart
betrayed me as I thought of last time.
Last time was a mistake. I shouldn’t have…
I just shouldn’t have gone there again with her, but I did. I didn’t regret it. I just hated that I fell
prey to my selfishness. It made the situation so much worse and confusing.
More confusing for her.
More painful for me.
I didn’t know how I stayed away for so long, but it was for the best. It was torture to see her,
torture to be with her, torture to think that we could be more than we were right now.
She should hate me.
She should at the very least hate me because it was my fault her sister died. Everyone could tell
me I shouldn’t blame myself, but it was my fault.
Four years ago, I was selfish. I changed things up and made the situation messier than it
already was. I needed to stay away from her.
I hated what happened, and I should hate him for crushing my heart. But mostly, I wished he
wouldn’t stay away.
“Claudius… why do you still do this to me?” I whispered against the cool breeze that rustled
through the willow trees. It lifted the ends of my hair, pushing the white blonde strands to the
black velvet sleeves of my dress.
I looked ahead to the old bell tower on the top of the church and brought my hands up to my
heart.
My heart was breaking again, and I really needed to move on.
Some things were best left alone. Forever.
She was one of them.
As she looked ahead to where I was, we could have been staring right at each other.
I hoped she hated me. It would be easier. I’d put her in danger once before, and it nearly cost
her, her
life.
It was better this way.
She’d be safer.
Better to hate me and live than for her to love me and die. I was a selfish man, but I wouldn’t
make the same mistake twice.
Not with her.
Once was enough.

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Going Into Debt For Vacation? Wallethub’s Latest Survey

We all need a vacation. Some people seem like the live to travel but is it worth going into debt for? With the proper planning you don’t have to go into debt. In fact I wrote a post about 5 Ways To Save For Summer Vacation the beginning of the year.

Going into debt or even getting behind on bills to go on vacation doesn’t make your vacation very relaxing. Especially knowing when you come back you have to figure out how to catch up.

According to Wallethub’s latest survey though, 48 million Americans would skip a credit card payment over skipping vacation. According to their latest financial survey:

Key Findings:

  • 19% of people would skip a credit card payment over a vacation.
     
  • 29% of people say travel usually gets them into debt.
     
  • 32% of people are scared to fly this summer because of the Boeing airplane issues.
     
  • Travelers are more than twice as likely to worry about money than terrorism.
     
  • 46% of people think about post-vacation credit card bills while on vacation.
     
  • Barclaycard Arrival Plus Card is the best credit card for summer travel because it offers an initial bonus worth $700 in travel for spending $5,000 in the first 90 days.
     
  • Credit cards with no foreign transaction fees save international travelers an average of 9.3% versus airport kiosks and 7.1% compared to local banks.

Survey: 48 Million Would Skip a Credit Card Payment Over a Vacation

It’s been a long year, and Americans need some summer travel to decompress. Just ask the 48 million people who say they’d rather skip a credit card payment than a vacation, according to a new survey by the personal-finance website WalletHub. That’s roughly 1 in 5 Americans who are willing to trade in the grace period on their credit card and pay sky-high interest rates just to get away for a while. The question is, does this display good common sense or bad money management?

“Well, we know from research that a vacation usually has a very positive impact on the body and mind – and can often make us more productive when we return to the office,” Simon Hudson, endowed chair in tourism and economic development at the University of South Carolina, told WalletHub. “So paying off that credit card after a vacation may not take too long!”

Still, it’s better to avoid putting ourselves in such a predicament. And there are indeed ways to enjoy the fruits of a vacation without the financial jeopardy. “My advice is to do everything in moderation and find a happy balance,” said Audrey Guskey, a professor of marketing at Duquense University. “Take the vacation. Take the time off, but keep the debt down by finding a cheaper alternative for your vacation plans. Stay closer to home. Find cheaper hotels or Airbnb. Travel at off peak times.” There may be even more reason to stay close to home this year, too.

Despite all of its relaxing properties, summer travel still weighs on the minds and wallets of millions of Americans in a variety of ways. We worry about everything from the weather to whether we’re flying in a new Boeing airplane. In fact, roughly one-third of people are scared to fly this summer because of Boeing’s recent issues.

“Obviously this was expected. However, travelers need to understand that those planes are not flying yet, and Boeing is addressing the problem before these planes will be back into service,” said Abraham Pizam, dean of the Rosen College of Hospitality Management at the University of Central Florida. “The U.S. federal authorities (FAA) and similar authorities in Europe and other countries are also much more careful in certifying the planes after the new modifications will be put in place.”

Money matters are actually more likely to put a damper on summer fun. And that can happen leading up to a vacation, while you’re away, or after you get back. Travelers are more than twice as likely to worry about money than terrorism, WalletHub’s survey found, and 46% of people think about post-vacation credit card bills while on vacation.

“Plan the vacation you can afford, and you won’t have to worry as much about the cost,” said Thomas P. Sweeney, an assistant professor of recreation and tourism management at Georgia Southern University. “Your vacation should be a time to relax, recharge, and have a good time. If you’re worrying about your bills, chances are you’ve overextended yourself financially. Before you plan anything, put together a realistic budget and stick to it.”

What we spend on vacation doesn’t stay on vacation, after all. It can come back to haunt us if we’re not careful, and too few of us are. Just ask the nearly 1 in 3 people who say travel usually gets them into debt. Or, better yet, ask what they’re doing wrong.

“They are not planning,” said Russ McCullough, chair of the economics department at Ottawa University. “Before committing to a trip, spend five minutes sketching out the expenses you will incur. If you don’t have money, find some ways to make enough before you go.”

There are many ways to make vacations more affordable, from turning them into staycations to getting a little help from your payment method. For example, applying for the right rewards credit card offer could get you $500 or more in free travel. And taking steps now to save later will really pay off.

“The better you plan financially the less stress you have about spending the money,” advises Stephen Barth, professor of hospitality law at the University of Houston.