All about car insurance for new drivers in USA

Drivers who've just passed their test can often pay up to $2,000 or even $3,000 for their car insurance, making it difficult to afford to run their first vehicle. So why is it so expensive?

Drivers under the age of 21 are ten times more likely to be killed or seriously injured in an accident than those over the age of 35, and not only do younger drivers make more claims, the amounts involved in each claim are on average for larger amounts. This obviously costs insurers a lot of money, which pushes up the cost of premiums. In fact, so bad is the situation that around a half of insurers won't even provide quotes to 17 year olds.

Some insurers have started to offer specialist policies to younger drivers, which while still expensive at the start offer a fast track approach to building up a no claims discount. In this way, young drivers who prove their safety will enjoy cheaper insurance prices quicker than those who take less care.

Tips to get cheaper car insurance

• Get a small car with a less powerful engine
• Add your parents parents onto the policy - having safe older drivers listed on the policy will often reduce the premiums, even if they don't actually use the car very often
• Get advanced training after passing
  
• Pay in advance if possible - while most insurers will allow monthly payments, the interest charged is usually very high

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All about loans for students in USA

An education loan is a form of financial aid that must be repaid, with interest at the opposite of Scholarships.

Education loans come in three major categories:

• student loans (e.g., Stafford and Perkins loans)
• parent loans (e.g., PLUS loans)
• and private student loans (also called alternative student loans).

A fourth type of education loan, the consolidation loan, allows the borrower to lump all of their loans into one loan for simplified payment. A recent innovation is peer-to-peer education loans. Federal education loans are available in either the Direct Loan or federally-guaranteed student loan programs.

Federal law sets the maximum interest rates and fees that lenders may charge for federally-guaranteed loans. Nothing prevents a lender from charging lower fees. Many lenders offer a variety of student loan discounts to attract borrowers.

Few students can afford to pay for college without some form of education financing. Two-thirds (65.6%) of 4-year undergraduate students graduated with a Bachelor's degree and some debt in 2007 - 2008, and the average student loan debt among graduating seniors was $23,186 (excluding PLUS Loans but including Stafford, Perkins, state, college and private loans). Among graduating 4-year undergraduate students who applied for federal student aid, 86.3% borrowed to pay for their education and the average cumulative debt was $24,651. (For just federal student loan debt, excluding PLUS Loans, the figures are 61.6% and $17,878.) Average cumulative debt increased by 5.6% or $1,139 a year since 2003 - 2004. When one includes PLUS loans in the total, 66.0% of 4-year undergraduate students graduated with some debt in 2007 - 2008, and the average cumulative debt incurred was $27,803. (About two in fifteen (13.5%) of parents borrow PLUS loans for their children's college education, with a cumulative PLUS loan debt of $23,298.)

These figures were calculated using the data analysis system for the 2007-2008 National Postsecondary Student Aid Study (NPSAS) conducted by the National Center for Education Statistics at the US Department of Education. (For comparison, cumulative education debt statistics from the 2003 - 2004 NPSAS are also available.) The 2007 - 2008 NPSAS surveyed 114,000 undergraduate students and 14,000 graduate and professional students. These statistics are not necessarily available from published NPSAS reports.

The median cumulative debt among graduating Bachelor's degree recipients at 4-year undergraduate schools was $19,999 in 2007 - 2008. One quarter borrowed $30,526 or more, and one tenth borrowed $44,668 or more. 9.5% of undergraduate students and 14.6% of undergraduate student borrowers graduating with a Bachelor's degree graduated with $40,000 or more in cumulative debt in 2007 - 2008. This compares with 6.4% and 10.0%, respectively, for Bachelor's degree recipients graduating with $40,000 or more (2008 dollars) in cumulative debt in 2003 - 2004.

The following table shows the percentage of students borrowing and average cumulative debt per borrower (excluding PLUS Loans) at graduation according to type of educational institution but not restricted by degree program.



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What is Plastic Surgery?

Plastic surgery is a medical specialty concerned with the correction or restoration of form and function. It includes two main fields: body modification and re-constructive surgery. The word "plastic" derives from the Greek plastikos meaning to mold or to shape; its use here is not connected with the synthetic polymer material known as plastic.

In plastic surgery, the transfer of skin tissue is a very common procedure. Skin grafts can be taken from the recipient or donors: Auto-grafts are taken from the recipient. If absent or deficient of natural tissue, alternatives can be cultured sheets of epithelial cells in vitro or synthetic ompounds, such as integra, which consists of silicone and bovine tendon collagen with glycosaminoglycans.

Allografts are taken from a donor of the same species. Xenografts are taken from a donor of a different species.

Usually, good results are expected from plastic surgery that emphasizes careful planning of incisions so that they fall in the line of natural skin folds or lines, appropriate choice of wound closure, use of best available suture materials, and early removal of exposed sutures so that the wound is held closed by buried sutures.




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