Sunday, December 25, 2011

Here’s a good question for you: Why have public schools at all?

Here's a good question for you: Why have public schools at all?

O.K., cue the marching music. We need public schools because blah blah blah and yada yada yada. We could say blah is common culture and yada is the government's interest in promoting the general welfare. Or that children are the future. And a mind is a terrible thing to waste. Because we can't leave any child behind.

The problem with all these bromides is that they leave out the simple fact that one of the surest ways to leave a kid "behind" is to hand him over to the government. Americans want universal education, just as they want universally safe food. But nobody believes that the government should run 90 percent of the restaurants, farms, and supermarkets. Why should it run 90 percent of the schools — particularly when it gets terrible results?

Consider Washington, home of the nation's most devoted government lovers and, ironically, the city with arguably the worst public schools in the country. Out of the 100 largest school districts, according to the Washington Post, D.C. ranks third in spending for each pupil — $12,979 — but last in spending on instruction. Fifty-six cents out of every dollar goes to administrators who, it's no secret, do a miserable job administrating, even though D.C. schools have been in a state of "reform" for nearly 40 years.

In a blistering series, the Post has documented how badly the bureaucrats have run public education. More than half of the District of Columbia's kids spend their days in "persistently dangerous" schools, with an average of nine violent incidents a day in a system with 135 schools. "Principals reporting dangerous conditions or urgently needed repairs in their buildings wait, on average, 379 days … for the problems to be fixed," according to the Post. But hey, at least the kids are getting a lousy education. A mere 19 schools managed to get "proficient" scores or better for a majority of students on the district's Comprehensive Assessment Test.

A standard response to such criticisms is to say we don't spend enough on public education. But if money were the solution, wouldn't the district, which spends nearly $13,000 on every kid, rank near the top? If you think more money will fix the schools, make your checks out to "cash" and send them to me.

Private, parochial, and charter schools get better results. Parents know this. Applications for vouchers in the district dwarf the available supply, and home schooling has exploded.

As for schools teaching kids about the common culture and all that, as a conservative I couldn't agree more. But is there evidence that public schools are better at it? According to the 2006 National Assessment of Educational Progress history and civics exams, two-thirds of U.S. high school seniors couldn't identify the significance of a photo of a theater with a sign reading "Colored Entrance." And keep in mind, political correctness pretty much guarantees that Jim Crow and the civil-rights movement are included in syllabi. Imagine how few kids can intelligently discuss Manifest Destiny or free silver.

Right now, there's a renewed debate about providing "universal" health insurance. For some liberals, this simply means replicating the public-school model for health care. (Stop laughing.) But for others, this means mandating that everyone have health insurance — just as we mandate that all drivers have car insurance — and then throwing tax dollars at poorer folks to make sure no one falls through the cracks.

There's a consensus in America that every child should get an education, but as David Gelernter noted recently in The Weekly Standard, there's no such consensus that public schools need to do the educating.

Really, what would be so terrible about government mandating that every kid has to go to school, and providing subsidies and oversight when necessary, but then getting out of the way?

Milton Friedman noted long ago that the government is bad at providing services — that's why he wanted public schools to be called "government schools" — but that it's good at writing checks. So why not cut checks to people so they can send their kids to school?

What about the good public schools? Well, the reason good public schools are good has nothing to do with government's special expertise and everything to do with the fact that parents care enough to ensure their kids get a good education. That wouldn't change if the government got out of the school business. What would change is that fewer kids would get left behind.


Saturday, December 24, 2011

my bf only cares about getting the car he wants?

Ive been living with my bf for a year now, been together for 1 yr 8 months, and our salaries aren’t that great we both work in supermarkets, and it seems that all he cares about is buying some flash expensive car that normal people like us can’t afford to pay for and pay for insurance etc. He’s just told me that we are not going on the holiday we planned this year because he doesn’t have the car. We have a car, and it’s nothing special its just a car and it gets us from a to b and to me that is all that matters, but I feel like he cares more about getting a car then he does about our relationship, to cancel our holiday that we have been waiting for all last year as we never went away last year, he doesn’t call me to see how i am at work or to tell me he loves me, he calls me and starts talking about the car. I’m really at the end of my tether, I can’t handle anymore of listening to all this stuff about cars, about how we can afford it etc because I know we can’t afford it, we barely make it through each month as it is wanting to spend the money that we work our backsides off to earn every month, having to pay the rent, pay to feed ourselves and our kitten and he wants to spend the rest on paying off some stupid car. I love him but I don’t think I can stay in a relationship where buying a flash car is more important than the relationship itself. I don’t know what to do, what would you do?
its like my opinion doesnt even matter, he says everything he needs to say then i try to say what i think and he interrupts and tells me everything im saying is wrong, i really don’t know if i should carry on this relationship, why should i not be allowed to have my opinion and not go on holiday just because he wants what he wants and thats all that matters?


Wednesday, December 7, 2011

Am I allowed to keep my son If I file Custody until the custody battle is over?

I am 19 years old and have a 10 month old son. From the time he was born she was the primary caretaker because I go to school full time and I work part time at a supermarket. She has recently decided to take me for child support because she says, “I do not financially support him enough.” But whenever I had spare money left over from car insurance and my gas expenses which is about $50 a week by itself I would ask her if my son needed anything. Her reply was always the same, “no I have everything he needs.”

I am sick of having my son used as a weapon against me. I also plan to take her for full custody. I love my son with all my heart, and will not stand for being called “dead-beat” when I am the only one planning for his future. She has no license, no high school diploma, and no job. While I go to college full time, have my license, and work part time.

I cannot prove that her actual physical handling of my son is incorrect, but the environment in which he lives in unsuitable for a child his age, or any for that matter. She lives with her grandmother in a 1000 Sq ft. house with 12 people total (including my son and 4 other small children). Every adult in that house is a chronic alcoholic which has caused the cops to be called to that house over 30+ times just this past year stemming from violent incidents. Also when they have family picnics or get-togethers there is a man that comes there that is registered as a sex offender.

I love my son and I want the best for him. I will fight until my heart cant fight any longer, But I would like some educated advice on how my situation looks. Also if I do file custody can I keep him until the judge makes his ruling.


Wednesday, November 23, 2011

would you quit your job??? good advice please?

would you quit your job if you only had an 80dollar car insurance bill and a 50 dollar phone bill that i might get rid of if i quit since i barely use it and you lived at home and you were 18 going to college?? i would need gas money and maybe extra money for food or something once in a while…would you quit if you were me??
i get 8.50 an hour at a supermarket full of ignorant customers [kmart]

i hate working where i work at and i cant stand it anymore, i think im even gonna get fired since i only need one more infraction[you need 6 to get fired] i been working there for a year and 2 months..i can make some money over the weekend going with my dad..would you do this too???
i need some good advice please


Monday, October 24, 2011

Really need financial advice.. Please help.?

Hello, okay. I’m 24 years old and have a credit card debt of 15,000 that is taking over my life. I don’t have that because I’m a crazy shopper or careless with money.. I never buy myself anything or spend more than $10 on myself because I can’t handle the guilt. My parents had me put a medical bill on my credit card when I was 18 and because its Bank of America (crooks) and interest rates are crazy and I was in college, etc.. I still have it and its taking over my life. I can’t afford to have rent, make those payments, and still have enough money for life and my personal needs. I graduated from college but because our economy is so great, I can’t get a full time job and I can’t afford grad school yet.

I’ve tried talking to them and they won’t lower the interest rate (which is over 20%) even though i make all the payments on time and I always try to pay over the minimum payment ($500). I’ve tried to get a loan but I can’t get one for some reason.. and I my family can’t afford to help me at all cause they themselves are kinda screwed financially. I don’t have the option of living at home and I don’t know about any other ways of getting out of this.. I feel trapped and I’m really getting depressed about it because I can’t even enjoy myself without feeling horrible and I can’t even buy crap at the supermarket I want because i can’t afford to.

I’m a waitress right now and I make about 500 a week.. and its not covering all my bills. My bills include that credit card, my car, car insurance, medical bills, rent, electric/cable etc.. I’m excellent with money and great on a budget but moving out put me over the edge.

I’m hoping someone out there can think of something I haven’t. Thanks


No motivation (teen, highschool and work)?

Hi, I am almost 18 and I am in high school and I am working a 20 hour a week job.

This year my grades are going down and I have no motivation and I just escaped from an every other day attendance cycle (sort of). When I wake up in the morning I have become so tired that I forget to get dressed/ready for school, or my backpack, or pens and pencils. This is happening quite often. On days I stay home it is because I didn’t do my homework that was due that day and I do not want to get another zero on it.

When I stay home my mom usually calls me from work and its either I make the house spotless or I lose my car keys (sounds reasonable to me). I avoid going back to sleep because then I will not wake up until 3 those days.

I have the job to pay for my car insurance, gas money, snack/food money and school supplies. My mom would pay for this stuff, but I do not actually see her too often since she isn’t home too often.

Before I go to work, sometimes I will start to have slight panic attacks (not so bad anymore) because I am dreading it so much. I work as a cashier for a wholesale club. It’s in my opinion one of the better jobs somebody my age can get. The other cashiers are pretty friendly and I get along with them okay. Cashing people out for 4 hours straight though gets extremely boring which is what causes the panic before work. I work about 30 minutes away, so normally I come home from school, get changed, stop through a drive through and go to work. After work, I may stop through another drive through, or more likely get some snacks from a supermarket or something. When I get home all I want to do is listen to music and go to sleep which leads me to procrastinate and stay up until 11 and then not to my homework either.

I do not want to quit my job, because without it I would not have money for snacks, hobby stuff or school supplies. I want to keep my 20 hour weeks too so I can actually have a comfortable amount of money every week.

What I do not want, is to keep going down the road I am going. I want to snap out of this and get some motivation to do stuff again.

How can I get motivation? (Please, no friends, spiritual or hallmark advice either)


Thursday, September 29, 2011

Rate these from least to most serious?

Rate these from least to most serious?
Rate them from 1-15

1. Catching your spouse with a lover and killing them both.
2. Stealing money or supplies from your employer.
3. Robbing a supermarket.
4. Forcibly raping a stranger in a park.
5. Selling liquor to minors.
6. Shooting a burglar in your home.
7. Talking on your cellphone while driving.
8. Soliciting a prostitute.
9. Hitting your child.
10. Selling drugs on the street.
11. Manufacturing and selling cars you know to have dangerous defects.
12. Beating your wife/girlfriend.
13. Being drunk in public.
14. Driving without any car insurance.
15. Cheating on your income tax.


Tuesday, September 27, 2011

What will be the insurance adjuster say about this accident?

I was buying groceries at a supermarket and was about to leave. As I was backing up, another car from me backed up also. The damages are not major and are very minor. I’m assuming he told his insurance company that I backed up to him first. My insurance representative said that an adjuster is going to give me a call tomorrow. What do you think the outcome of this incident will be? Will the insurance company make him pay for his damages and I pay for mine? I’m not asking to predict the future but mainly based off of information. I guess that since we were both backing up and hit each other, we will both be at fault. What do you guys think?


Friday, September 23, 2011

Good idea to make supermarket with english titles and help translate pleasse!?

Hello deer one! I from Egypt!
A smaller supermarket to happen my is to build near the airport of egypt more offside near a many hotel build! It is many people from not egypt to happen to visit the supermarkt! they ask much what it is to mean in english (the product/the information)
Is it good Idea to make english signs for help the tourist which is to visit the supermarket? because american don’t know how to be good in egypt supermarket!)
Iam to plan to put to ones under here. (Please do correct when wrong !)

,,No load speaking!”
,,Shopping cart insurance for drive by damage not to pay by us!”
,,Deformed person toilet room”
,,Do not fill finger inside electicalitcity door. (It rips finger)”
,,Please avoid shopping cart stealing it is not nice for us to call the police for get it back you stealer”
,,Shemale toilet room not to happen. (Water under construction use male room).”
,,Watch the step on the survace wich is even”
,,Do not rock on purpose in order to not behave the boss the kick you in the supermarket”
,,Supermarkt open: Monday – Friday 8-20 time. Saturday 7-22 time.”
,,Everyday Monday Special! Higher Prices! Only at Monday please”
,,Do not overthrow the the bookplace”
,,No smoking. No cat, dog, animal. No danger. No drunken. < DON’T DO THESE IN OUR MARKET OR KICK OUT”
,,Come in Chinese friends! Rice to be good in Egypt”
,,When the service cleans the ground watch the fall. (fall slowly for not hurt you!)”
,,Drunken come in please go home”
,,No stealing. (WE DO SECURITY CAMERAING)”
,,Please don’t damage security will take you out”
,,Don’t be mistaken a rober. We call the police”
,,Boss not to be happen today. Please ask the round black woman at cash handle out. (She is another boss)”
,,If to speak the boss Plese It Knocks! To the door”
,,Fresh foot from tree and more today”
,,Apple and curved yellow fruit to be a nice price at the year”
,,Illegal parked car is fine to call the police. (It drive you car to other place and you to be the payer”
,,deadly influenced fish at the entrance handle out to you”
,,Don’t throw you staff at the ground. Clean up is not lovely to the service”
,,Go home come back have a nice day”
,,Don’t scare Khem at the entrance, he for service to you. (No treatment misshandling or rapement to him”
,,It is a nice day to be hot today! Please avoid shirtless”
,,Please wear shoes always”

You can tell which of the sign will be good idea to put? Because many tourist need help for good sign!
I have to be thankfully for the answer which to be deliverment of 10 points!


Thursday, September 8, 2011

Vehicle Insurance doesn't want to pay?

Several weeks ago I was driving through a parking lot and a lady backed into my car. She did not start backing out until I was almost even with her so she ended up hitting my back passenger door as I was driving by. In the city this happened in, the police will not come by and make a police report if it is on private property (which it was in a supermarket parking lot) and there were no witnesses so basically it has been my word against hers. I have had my car inspected by my insurance company & also hers. I do not want to pay my $500 deductible to get my car fixed all because this lady backed into me so I feel that her insurance should have to pay for it. I received a letter in the mail from her insurance co. saying that I was at-fault b/c of failure to yield right-of-way, improper lookout, and improper lane usage. I called them to find out why and they said this lady is telling them a different story. She is saying that she was already backed out completely and in the process of going forward when I tried to go around her. It just makes me so mad that she is lying! They said to fight it my insurance co. will have to file arbitration and IF they were to win then I would be reimbursed my $500 deduct. but I don’t have $500 to spend right now! Why can’t people just be honest?? Is there anything I can do in this situation??
Well whats bad is the lady that backed into me worked at the supermarket so I’m sure she has already looked into it but even if she hasn’t I’m not sure they would be willing to help me. I have insurance with Progressive but since the police wouldn’t come out for a police report, they act like there isn’t anything they can do it is just her word against mine. The only thing they told me may be possible is the whole arbitration thing and I’m not exactly sure what happens in that situation but from what they told me they take Allstate (the other insurance co. that the lady has) to court and a 3rd party decides who is at fault.


Why is my mom changing?

So lately my mom has been changing and not in the good way. We use to be good friends but now she is annoying and kind of mean. She is always trying to pick a fight with someone and I think she is trying to break up with my dad. Sometimes she just comes in the house crying and yelling. At first I thought she was PMS’n then I was 100% sure it was menopause, considering she is turning 50. But it wasn’t just yelling and crying, she has turned to the racist/ prejudice side.

Last week, she was selling her old car and the guy wanted her to drop the price a couple hundred dollars. Anyways the guy bought the car but she keeps calling him a jew behind his back because he wanted it for a cheaper price. And when we are driving down the road and telling me about work she calls every black person in her story a “n*****”. And she curses in supermarkets, around kids with extremely inappropriate word like “big n***** di**” or “F***”. And she thinks she’s funny when she talks like that. I don’t even want to be around her anymore.

Also, I have told her I don’t want her to say those those derogatory words when I’m near her and that started a fight.

So whats going on in her head? Please help before she drives me off the wall!
@eldots53. She has no siblings, she has a mother (my grandma) and she never knew her dad.


Tuesday, August 30, 2011

Proud of Being British............?

3 Brits die each year testing if a 9v battery works on their tongue.

142 Brits were injured in 1999 by not removing all pins from new shirts.

58 Brits are injured each year by using sharp knives instead of screwdrivers.

31 Brits have died since 1996 by watering their Christmas tree while the fairy lights were plugged in.

19 Brits have died in the last 3 years believing that Christmas decorations were chocolate.

British Hospitals reported 4 broken arms last year after cracker pulling accidents.

101 people since 1999 have had broken parts of plastic toys pulled out of the soles of their feet.

18 Brits had serious burns in 2000 trying on a new jumper with a lit cigarette in their mouth.

A massive 543 Brits were admitted to A&E in the last two years after opening bottles of beer with their teeth.

8 Brits were injured last year in accidents involving out of control Scalextric cars.

And finally………

In 2000 eight Brits cracked their skull whilst throwing up into the toilet

not to mention

Only in Britain… can a pizza get to your house faster than an ambulance.

Only in Britain… do supermarkets make sick people walk all the way to the back of the shop to get their prescriptions while healthy people can buy cigarettes at the front.

Only in Britain… do people order double cheeseburgers, large fries, and a DIET coke.

Only in Britain… do banks leave both doors open and chain the pens to the counters.

Only in Britain… do we leave cars worth thousands of pounds on the drive and lock our junk and cheap lawn mower in the garage.

Only in Britain… do we use answering machines to screen calls and then have call waiting so we won't miss a call from someone we didn't want to talk to in the first place.

Only in Britain… are there disabled parking places in front of a skating rink.

Are you proud to be British? =D
Had to repost, it got deleted =(


vauxhall zafira high revs when started and kangarooing?

when I start my vauxhall zafira it revs at about 1700 – 2000 rpm before dropping back down to about 1200, it has also started to kangaroo quite a bit I thought it might be because of the cold weather but continued when it warmed up , I then thought it might be because it only had about a quarter of a tank so I filled it right up now it has dropped down to about half a tank it has started again, now i ALWAYS FILL UP AT JET garages as they are local and I do not trust the supermarkets, I could fill up at bwoc or shell which is cheaper but my local has always looked after me ( such as safety checks and at times of protest) Now my car is 10 years old so I don’t want to spend much on it. Can anyone identify a poss able problem and a rough price to fix. many thanks in advance


Monday, August 29, 2011

Car Broken Into? Need Help?

K this is mainly to people around NZ
i need to know what is goin to happen
2 guys broke into my car at 3 am..on a wednessday morning..
had police show at my front door at 4 am saying its been broken into

i have the following wrong..

Smashed rear left passenger Quarter window
Stereo ripped out.
Plastic bits and pieces around dashboard broken off.
Stolen Spare Steering wheel
Stolen clothes

Now heres the thing
They caught them
And i got my stuff back

Clothes
Steering wheel
Stereo

But problem persists..
The window is still smashed
Now its

2 guys And they both have criminal convictions and i was told by police officer that they would be most likely going to jail
but he also told me taht he wil try for Restoration..

What i am asking today is..
Will i get payed out for the damage IE: smashed window ?
And if i do How soon?
Also If the court rules it out as Jail time?
will i still get payed out? or?

I have no insurance as the car was parked up for weeks..for me to save as i work in a supermarket and been saving to fix things for Warrant..=/
forgot to add they did 12 other cars aswell in a few weeks…including mine..so what chance do i have of payng out since its around 500$ damage to my car.. but the other 12?
500×12? =?
if not…Why? please explain?


english from my daughter?

Proud to be british…………………
Only in Britain… can a pizza get to your house faster than an ambulance.

Only in Britain… do supermarkets make sick people walk all the way to the back of the shop to get their prescriptions while healthy people can buy cigarettes at the front.

Only in Britain… do people order double cheeseburgers, large fries, and a DIET coke.

Only in Britain… do banks leave both doors open and chain the pens to the counters.

Only in Britain… do we leave cars worth thousands of pounds on the drive and lock our junk and cheap lawn mower in the garage.

Only in Britain… do we use answering machines to screen calls and then have call waiting so we won’t miss a call from someone we didn’t want to talk to in the first place.

Only in Britain… are there disabled parking places in front of a skating rink.

NOT TO MENTION…

3 Brits die each year testing if a 9v battery works on their tongue.

142 Brits were injured in 1999 by not removing all pins from new shirts.

58 Brits are injured each year by using sharp knives instead of screwdrivers.

31 Brits have died since 1996 by watering their Christmas tree while the fairy lights were plugged in.

19 Brits have died in the last 3 years believing that Christmas decorations were chocolate.

British Hospitals reported 4 broken arms last year after cracker pulling accidents.

101 people since 1999 have had broken parts of plastic toys pulled out of the soles of their feet.

18 Brits had serious burns in 2000 trying on a new jumper with a lit cigarette in their mouth.

A massive 543 Brits were admitted to A&E in the last two years after opening bottles of beer with their teeth.

8 Brits were injured last year in accidents involving out of control Scalextric cars.

And finally………

In 2000 eight Brits cracked their skull whilst throwing up into the toilet.
oh how i love being british hahahahaha


Tuesday, August 23, 2011

Someone hit my parked car, what should I do?

When I came out from supermarket , I saw a woman hit my parked car. The rear bumper was broken , she admitted that her fault. I already wrote down her insurance name, policy number, license plate. Should I call my insurance company or contact her insurance company first?

Thanks


What amazing bargain have you found recently?

I like my $3 chicken and fries at NFC (yes, NFC, not KFC), but recently I was at the supermarket…

I’m walking through the aisles of my local large grocery store thinking about grocery shopping of all things, when suddenly I see a “blowout bargain” sign. It’s small and has “25 cents” printed on it.

What could be only 25 cents?

Well, it was a plastic container full of broken chocolate nut bars (generic Oh Henry). A full container. Probably 8 chocolate bars worth.

Then I look beside and there’s a whole section dedicated to 25 cent candy. I bought a pack of fuzzy peaches and a pack of chocolate crips Nascar racing cars.

Baffled by my luck, I had to make sure everything in sight was covered. This was an amazing zone I had gotten myself into, probably never to be seen again. Across the wide aisle was a pack of Maynards candy for $1.99. 16 small packages for only $2. It’s not 25 cents, but it’s sure cheap. Those things would cost you $16 at a convenience store.

I just can’t beat that.

Any stories?

Thanks.


Wednesday, August 10, 2011

What is good salary for living in copenhagen?

Hi,

I am thinking about moving to Copenhagen if I will be offered a job whose NET salary is about 45000 DKK a month. I believe this is a good salary for living in Copenhagen but I have also read that it is one of the most expensive cities in europe, so I would be grateful if anyone could give me a price quotations for:
- House renting (in central area, size about 50-80 square meters including car parking)
- Food (supermarket and restaurant)
- Local transport
- Car insurance

Thank you in advance.


Only british could do this!!!! so funny lol?

Being British is about driving in a German car to an Irish pub for a Belgian beer, then travelling home, grabbing an Indian curry or a Turkish kebab on the way home, to sit on Swedish furniture and watch American shows on a Japanese TV.
And the most British thing of all? Suspicion of all things foreign.
in Britain can a pizza get to your house faster than an ambulance.
Only in Britain do supermarkets make sick people walk all the way to the back of the shop to get their prescriptions while healthy people can buy cigarettes at the front.
Only in Britain do people order double cheeseburgers, large fries and a DIET coke.
Only in Britain do banks leave both doors open and chain the pens to the counters.
Only in Britain do we leave cars worth thousands of pounds on
the drive and lock our junk and cheap lawn mower in the garage.
Only in Britain do we use answering machines to screen calls
and then have call waiting so we won’t miss a call from someone we didn’t want to talk to in
the first place.
Only in Britain are there disabled parking places in front of a skating rink.
NOT TO MENTION!
3 Brits die each year testing if a 9v battery works on their tongue
142 Brits were injured in 1999 by not removing all pins from new shirts.
58 Brits are injured each year by using sharp knives instead of screw drivers.
31 Brits have died since 1996 by watering their Christmas trees while the fairy lights were plugged in.
19 Brits have died in the last 3 years believing that Christmas decorations were chocolates.
British Hospitals reported 4 broken arms last year after Xmas
cracker-pulling accidents.
18 Brits had serious burns in 2000 trying on a new jumper with a lit cigarette in their mouth.
A massive 543 brits were admitted to A&E in the last two years after trying to open bottles of beer with their teeth…
5 Brits were injured last year in accidents involving out-of-control Scalextric cars.
and finally…..
In 2000 eight Brits were admitted to hospital with fractured skulls incurred whilst throwing up into the toilet.

PROUD TO BE BRITISH!!!!
diana dian – it is a joke. Don’t get so cocky about it. If you can’t take it don’t read. And i don’t know why we chain pens down! and yes i have been out of britain. I go every year.


Tuesday, August 2, 2011

Driving without insurance.?

Is it illegal for me to drive my parents car? they both have insurance, so say I drive to local supermarket and get pulled over by the police will I be in trouble?

P.S I live in Ontario have a G2 license
Insurance company does not know i drive my parents car lol should I let them know? is there a charge involved and for joint insurance what do you think the fee would be per month for 17 year old male( lol im thinking it is going to be high)