Insurance is an unavoidable necessity in life.  Unfortunately, it’s also costly – and when it comes to car insurance, it’s also very personal.

Your insurance rate is determined by your age, sex, driving record, and believe it or not, even the number of miles you drive each year.  Want to know what makes up that auto premium?  Read on.

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Over the past five years, there has been an increase in the number of betrothed Americans seeking Prenups before they walk down the isle and say “I do”.  But there is also a rise in the numbers of married couples seeking a postnup agreement after the wedding has already taken place,  to protect them – and their investments in the event of the failure of the marriage.
If you thought Prenups were just for the rich and famous, think again.  People of all income levels get prenups (and postnups), and for a variety of reasons.  The obvious reason is divorce, but some people get a prenup to protect themselves against their partners existing debt and financial problems so they are not financially responsible for their spouses prior debts if the marriage ends.  Some just want an agreement to protect their portion of the assets.  However, there are other reasons to get prenups that may not include the finances of either party.  Prenups and indeed Postnups  can cover arrangements concerning children, pets, and even how to handle personal affairs in the event of the death of either partner. 
Once you’ve decided to get a prenup or postnup agreement, the first thing you both  need to do is itemize all your assets and liabilities.  It’s important prior to getting married to disclose and discuss your debts with each other, because if the marriage does end in divorce, one partner may not want the responsibility for student loans or credit card debts that was incurred prior to the marriage.  Your agreement can cover  retirement and investment funds, property and cash.  If there are any sentimental items such as antiques, jewelery, furniture – or even pets, these should also be included. 
Your next step is to  visit a Family Law Attorney.  Regardless of how simple and straight forward you may think your situation  is, in order for it to be legally valid and stand up in court, it needs to be done properly.  Simply drafting your own prenup or postnup agreement and getting it notarized is not enough.   You should also make sure that your partner has their own Attorney review the agreement prior to signing so there is no dispute after the fact on whether the agreement was understood.  
For Prenups, the agreement should be completed prior to your wedding day, and goes into effect when you are legally divorced.  A postnup is similar to a prenup – only it is executed after the marriage takes place, sometimes years later.