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So, your teenager is ready to start driving. An always scary time, but now is not the time to panic. No, now is the time to get car insurance for your teenaged driver. You go online, pull up some rates, and promptly begin to...panic!

Yes, teenage car insurance is expense. Really, really expensive. So expensive that you might question the usefulness of this whole "driving" thing. What in the world is going on here?

Well, as you may know, insurance is priced based on the risk assessed by the actuary. Basically, teens are considered very high risk drivers, and are therefore subject to fairly extreme rates, as you've probably noticed. Teens get into accidents much more often than other drivers, and this shows itself in the rates you get.

If you're a slightly budget conscious person, you're probably wondering how you can lower this cost. Simple answer: wait until your teen gets older. Insurance will get cheaper then, because they will be in a lower risk category.

Not the reply you wanted to hear? Well, as it turns out, there are several ways of slightly reducing the cost off teenage car insurance. If your teen is a good student (typically B or better), you can often get a good student discount from your insurance company. It's not a lot, but every bit helps.

Another way to save money is to take part in a drivers ed course. This is a good idea anyways, but it will seem like an even better investment when you see the savings on your car insurance bill month after month.

Another great way to save money is to make sure that your teen is a girl. That's right, in most states, guys will have to pay a lot more than girls for the same level of coverage. This is because guys are a higher risk than girls, since they get into more accidents.

Of course, the best way to save on insurance is to be a good driver. By avoiding any incidents, your teen will build up a good driving record, which will help save money on insurance into the future. Not to mention, good driving could help save your teens life.

So, you can see that there is no magic bullet for saving money on teenage car insurance. However, if your teen has taken drivers ed, is a good student, and continues to drive well, you might just be able to avoid paying the highest rates. Otherwise, just hang in there, the teen years don't last forever!

David Wilson is the man behind Young and Insured, a guide to helping young people understand the complex world of insurance. Visit to today, and learn more about budget car insurance, medical health insurance, and much more.

There is an entire market devoted to people who are still using "outdated" gaming counsels. It may have appeared like everyone on the planet was sleeping in front of Target for the new Playstation 3 or the Nintendo Wii, but we didn't see the large population of people who were content with the same gaming system they had 10 years ago. In 2005 Sony sold over 100 million units of the PSone. A large portion of collectors and gamers have found that gaming experience has little to do with cutting edge graphics and more to do with replayability and originality. Games like Final Fantasy VIII, Thrill Kill, and Vagrant Story have stood the test of time and are seen by gamers as classics. There is also a large market for imported games like Tobal 2, Kurushi Final, and Intelligent Qube. While technology has been improving pre-gen game systems have become to be seen as obsolete causing buyers to work a little harder to find their favorite titles. If you are a new buyer looking for some nostalgia in your gaming experience here are some places to look.

Auction Sites- This is a no-brainer and is probably a buyers first option. Currently there are over 38,000 listings on Ebay. If you are willing to pay the right price you should be able to find what you are looking for. The downside is that there is no real way to know what kind of condition the disk is in. Be sure to communicate with the seller before bidding and always check their feedback.

Forums- This is my favorite option. You can meet like-minded gamers that may buy, sell, or trade new and used games. These sites offer more then just games they offer community, tips, and resources. Take some time to investigate it out online and find the right community for you.

Bargain shelves in Game stores- Most store owners do not have any idea about the goldmine they are sitting on. Some stores have thousands of games that they are trying to get rid of. If you have a little patience and time dig through these games, you may find exactly what you were looking for or possibly even something better.

Here is your last tip...Have fun! It doesn't matter if you are Psone gamer or a Xbox 360 gamer if it isn't fun anymore stop doing it. This is what it is all about so have your friends over to play, argue, and trashtalk. Happy gaming!

There are some great online gaming resources that you may not have tapped into yet. Check out the link below if you would like more information on where to find games or where you can join a gaming community.

http://connectingamerica.blogspot.com/