3 Tips to Help Choose the Right Driving Instructor

Choosing the right driving instructor is a crucial step for both parents and learners. A qualified driver is able to teach the focused lessons to make sure the young driver is in a much better position to follow the best driving habits. On average, a young driver will need about 20 hours of private practice and a further 40 hours of professional instruction. Even though it can be tempting to choose a driving instructor based on the cost per lesson, there are several other things that need to be considered to become a confident driver.

Let’s take a look at a few of the most important things to consider:

Use a fully qualified driver

The most productive lessons will come from using a fully qualified instructor. You should ask a potential instructor whether they are a trainee or fully qualified. They should display an appropriate badge in the car window to display their qualification. A fully qualified instructor will have a green badge, while the trainee will have a pink one. Also, the instructors are graded. The best instructors have a grade of A or B, which can be checked by seeing their certificate. Additionally, it is worth asking about the pass rate of the potential instructor to get a further indication of their ability to teach the learner driver.

Get personal referrals

The most effective way to find a reputable instructor is to get a personal referral from a friend, family member or colleague who has recently passed their test. Any instructor that is able to explain things clearly, turn up on time and put the driver at ease will be easy to recommend.

Are the prices competitive?

The costs quoted by the different driving schools are certain to range in price, so it is worth shopping around. It isn’t likely to benefit to simply go with the instructor that quotes the cheapest price per lesson, especially if you end up needing to book more lessons. While the price is a key factor, it is just as important to consider the qualifications. Also, it may benefit to use the independent instructor because they will not need to up their rates to cover the franchise fees for their brand name. The length of a lesson can range from 45 to 60 minutes, so it is worth checking before booking a lesson. Additionally, it isn’t worth making a block booking until two or three lessons have been completed with a particular instructor to make sure they are the right fit for your personality.

Social Security in the 21st Century

Social security is one of the successes gotten by the Americans. The program provides a foundation of economics security for more than 47 million Americans and their families. The reason for the built in protections, we have come close to eliminating poverty among seniors. It also helps in the provision of basic income to millions of families who have suffered the death or disability of a wage earner.

The financial security of social security is very strong. In 2003, it took in the rate of $161 billion more than it paid out in benefits. These programs have the resources to provide benefits for the baby boomers and their children and grandchildren. The security trustees predict that it will pay ever -increasing benefits through at least many more years to come when a surviving baby boomer will be mostly in his/her 80s and 90s. If the US economy long-term growth rate falls to half the level of the past 50 years, the trust fund may be depleted after 2042, but social security payroll taxes alone would still cover benefits worth an estimated $1000 more after inflation than today’s senior receive.

Using less -pessimistic assumptions, the trustees low – cost long term forecast predicts that it will continue to provide each generation of retirees with more generous benefits than their predecessors through the entire 21st century. If social security finances are really in good shape why have so many politicians, policy analysts,and reporters warned us that something must be done to save it? How we have so many Americans become convinced that it won’t be there for them.

Misconceptions about social security are widespread because predictions about the distant future based on multiples assumptions are reported as facts”, frequently distorted,and almost always considered out of context. In addition, some organizations and individuals committed to privatizing it are driven by ideology or hope of profiting from the billions of dollars in investments fees that a privatized system could generate.

The majority of American would be worse off financially under a privatized system, all would be far less secure,and creating a new system would cost trillions of new tax dollars. Therefore, undermining faith in the existing program has been a major strategy private organizations have used to promote their agenda.

This report provides background information on how social security works, explains how it is that Americans can easily afford it in the long run even as our population ages, and points out fundamental problems with proposals to privatize the program.

Finally, it recommends ways we should improve social security to serve Americans better. While we most often see it as a retirement program, 30% of beneficiaries collect survivors of disability insurance. Social security survivors insurance provides benefits to the families of deceased workers, including children under 18, 18 and 19 years -olds in high school, disabled sons or daughters of any age, elderly dependent parents, and surviving spouses who are elderly, disabled, or caring for eligible children.

The social security trust fund & the trustees report is based on the projects of income and expenses of social security for 75 years into the future. The projections require numerous assumptions about birth rates, immigration rates, unemployment, average wages, life expectancy, and the like over. Over 75 years, small differences in assumptions can result in large differences in outcomes. The trustees make three different projections based on different assumptions. These three scenarios are called the low cost, intermediate, and high -cost projections:

The trustees intermediate projection: the trustees intermediate projection predicts that social security payroll taxes will continue to exceed benefits until 2018, and the combination of taxes and interest on the trust fund will cover benefits until 2028.