ADfuture.net-B

Head lice have been a dreaded parasite for years, with some schools temporarily shutting down over lice outbreaks. But while many schools and day care facilities have a policy that someone with lice must have no lice eggs (called nits) in their hair before returning, the American Academy of Pediatrics says that's overkill.

Want a scare? Check out prices in the candy aisle as NJ confronts Halloween inflation
For New Jersey consumers, spooky season comes with fewer treats and more tricks at the checkout counter this fall. The cost of candy, costumes and other items is up, victimized by the same supply-chain shortages and inflationary pressures that have infected the rest of the global economy.

"There’s widespread smoke that we’ve been seeing now for quite some time," Dev McMillian, a National Weather Service meteorologist, told USA TODAY on Wednesday.

5 Ways to Save Money on Car Insurance
Here’s what we did to pay less on our car insurance policy:
1) Compare costs. With the convenience of the Internet, this step is very easy these days. Like I had mentioned, we hadn't shopped around for so long that it was a pleasant surprise when this step took just minutes instead of hours. One word of caution: Make sure you stick to the websites of reputable car insurance companies.

2) Decide what coverage to keep if you own an old car. Our 10-year-old commuter car has over 200,000 miles on it. That said, we check its value on sites such as Edmunds.com and kbb.com. We figured out that even if we kept collision coverage we would not get what we think our car is worth. Our question, then, was why pay for something we are not going to receive a benefit from. So we kept the liability coverage but dropped collision coverage.

3) Improve your credit rating. As a couple, we have been working on paying off our credit cards, and our credit score is improving. Most companies reward good credit scores with lower premiums. If you haven't started doing this yet, don't waste any time. You'll enjoy the rewards next renewal.

4) Increase your deductible. Now, this one is not for the faint of heart. Examine your driving pattern and your finances. We are lucky: We don't have long commutes, which makes the decision a little easier. We had a heart-to-heart conversation about the worst-case scenario. Could we come up with $1,000 instead of $500? Would our finance company approve of this change? In the end, we saved about 10 percent on our premium by increasing the deductible.

5) Pay the premium in full up front. We live in the South and our policy has to be renewed every six months. Deciding to pay in full saved us about $60. We took a look at our finances and decided it was a good move to save now instead of paying later. I know it doesn't seem like a lot, but our goal is to keep the snowball rolling and keep increasing our savings.

Corte y Barba!