Have life insurance? Is it enough or maybe too much? - USATODAY.com

Most parents know that they need life insurance. But many would rather have a root canal than shop for the best life insurance policy.

"People don't think about, 'What will my family do if I am gone and not earning a living?' " says Peter Katt, a fee-only life insurance adviser. "The whole point of this kind of planning is to provide the family with maximum flexibility so they're not stuck."

Planning for your death is not a cheerful topic. Too often, parents make a quick decision, ignoring important considerations. Among their mistakes:

Not enough life insurance.

Families don't always insure a parent who is staying home to care for the children. "They don't think that the person who is not bringing in an income needs life insurance," says Greg Daugherty, executive editor of Consumers Union. But if that person dies, the other parent can't stop working and usually has to pay someone to help care for the family.

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AAA Foundation for Traffic Safety - Media

Two Out of Five Drivers Admit to Falling Asleep at the Wheel, Finds AAA Foundation Study

Drowsy Drivers A Factor In Nearly 17% of Fatal Crashes

Washington, D.C. — Two out of every five drivers (41 percent) admit to having fallen asleep at the wheel at some point, with one in ten saying they’ve done so in the past year, according to a new AAA Foundation for Traffic Safetystudy. More than a quarter of those surveyed admitted they drove despite being so tired that they had difficulty keeping their eyes open in the previous month.

Eighty-five percent of drivers surveyed felt it was “completely unacceptable” for someone to drive if they are so tired they are having trouble keeping their eyes open.  Unfortunately, drivers may not always be aware of the effects of fatigue resulting from a lack of sleep. In recognition of this week’s Drowsy Driving Prevention Week®, hosted by the National Sleep Foundation, AAA wants all drivers to recognize the seriousness of this dangerous, yet underestimated, driving practice.