Families with teenagers may face an economic disaster if teen driver receives a citation. One traffic ticket for rolling through a stop sign could cost as much as $3000 in increased premiums over three years it remains on their record. The insurance industry considers young adults as teenagers until age of 23.

The purpose of relating Mary and Jeffrey's stories is not for you to feel sorry for them. It is to impress upon you severe consequences that may result from a traffic ticket. It is important to obey all traffic laws, not just for your physical protection but also for health of your pocketbook. I have found that many people are more concerned about their pocketbook than their personal safety.

What should you do if you receive a citation? Never just pay a speeding ticket. Check with clerk of court to see if you are eligible for traffic school, even if it is an out-of-state citation. Many states now accept online traffic school. Check to see if this is available in your state at http://www.trafficschoolonline.com/?lcode=4013

If traffic school is not available then you or your attorney need to appear in court to contest speeding ticket. Hiring an attorney may be your cheapest option when you consider additional cost of you insurance. Check with your insurance agent to find out consequences of original charge being entered on your driving record. The American Bar Association says: "The best way for majority of Americans to be able to assure themselves of legal assistance when they need it... is through a prepaid legal plan." For nationwide legal services contact http://www.prepaidlegal.com/info/carolynpatterson

Drive safe and stay out of "No Zone." Remember if you got it a truck brought it.

The author is not an attorney and this is not legal advice.

We may not all have opportunity, or courage, to approach someone and ask them to mentor us. If you are currently in a socially isolated situation, or - up ‘til now - have lacked courage to approach someone, there are alternatives to having a living, breathing, face to face mentor in your life. Consider these points:

Choose a person with qualities you admire, who has passed on. Read biographies, study their philosophies. This can be a close family member or friend, or even someone like Albert Einstein, Eleanor Roosevelt, or Amelia Earhart. (Okay, some of my personal favorites!) Studying successful people you admire can inspire you to success.

Another alternative, and don’t limit yourself to just one - is to study from afar, someone living and breathing, who has those qualities you admire. They don’t need know you to mentor you. Their successes and way they conduct their lives can inspire you to YOUR success.

Consider way Michael Jordan has conducted his life. At top of his game of basketball, he wanted to try baseball. That took what I consider great courage.

Whomever you choose, they will demonstrate qualities you admire. This is what I have done with Robert G. Allen and Mark Victor Hansen, authors of The One Minute Millionaire. It was in this book that I first discovered benefits of mentoring. They inspired me to think outside box I was in, to take a good look at what I wanted in my life and make plans for achieving my goals. So, though I don’t know them personally, their words have affected me personally. I truly appreciate what they have given me.

Hopefully you are now imagining a few ways to find YOUR mentor - living or not. It could even be a combination. Don’t limit yourself! You could have a casual, one on one relationship with another mother whom you consider a mentor, someone who has already been through trials and tribulations of parenting journey. You may set up a more formal mentoring situation for yourself in your work situation. Then, you may chose a distant, less formal mentor for your personal success development.

Which ever method or combination of methods you chose, mentoring gives you support you require to succeed - even if it’s an innocent illusion!