Potential Magazine Mar/Apr 2014 | Page 32

PERFECT • Panic or shout • Forget to teach courtesy • Allow other passengers to be a distraction • Give conflicting instructions (i.e. “Go ahead and stop.”) • Grab the steering wheel (unless it is an emergency) BUYING A FEW DO’S AND DON’TS FOR YOUR DRIVING PRACTICE SESSIONS: • Be patient • Review defensive driving • Advise with a calm voice • Turn the radio off while teaching • Obey all traffic laws at all times GIVE THEM TIME Your teen can fail the road test by making only one or two mistakes. All the practice you did together should pay off, but if not, be patient and encourage them to stay patient too. When they do pass, congrats to you both! DO THIS TOO: Set ground rules and enforce them—no cell phones, no more than one passenger at a time, no driving after 9 p.m., no driving on the highway, all seatbelts must be buckled, etc. Reiterate the importance of safety and remaining focused while driving. Continue to be the right model for your teen. Just because they are driving does not mean they will no longer see you drive. TRY THIS: After teens get their license, they have permission to drive without parental supervision. However, state law in Alabama does not allow 16-year-old drivers to have more than one passenger — unless the passengers are parents, guardians or licensed drivers over the age of 21. When you’re not in the car, you can check your teen’s driving progress (or lack thereof) in several ways: using tracking devices or slapping a simple “How’s My Driving?” bumper stickers on their car. 32 D TEEN AT TEN HAVE YOUR ION EDUCAT A DRIVER’S NEED USE TEENS LASS BEC A C ONE ROM SOME RUC TION F INST R E N TS. N THEIR PA OTHER THA t al paren - Potenti A RIDE Brad Armagost, president of Trustmark National Bank, offered this advice on paying for your teen’s first car. Avoid loans if you can — A car is a depreciating asset. If you do need to borrow money, consider a home equity line instead of a car loan. Find a car that has an affordable monthly payment for you within the 36-48 month term. The longer the term, the more likely you are to get “upside down” and owe more than the car is worth. The model year will determine the maximum term of a loan. At Trustmark, we use the following guidelines: 2009-2011, 36-month maximum term 2011-2012, 48-month maximum term 2013-2014, 66-72 month maximum term • • • SET THEM FREE Once teens establish and maintain a clean driving record, they’ve earned the trust and freedom to drive wherever they want. But tickets for speeding, running stop signs, etc. will put points to their driving record — in a bad way. Just 12 to 24 points within two years can result in a suspended license, so remind them to continue those good habits you taught them. DO THIS TOO: Before your teen leaves for college, talk with them about what to do in case of an accident (as a witness or person involved). www.potentialmagazine.com Brad Armagost, president of Trustmark Bank with his sons Cole (11) and Chandler (13).