Happy Dad Advice

digital worldWhat is the Whole… The Family that Eats Together, Stays Together Anyway?

Last night while out to eat at a local restaurant with my son, I looked around and seen several other families eating together as one unit on a Friday night. Is this also strange to you or is this still normal now days for families to eat together? Nonetheless, have you bothered lately to have a look around your house or a restaurant and noticed yours or other families actually still eating and engaging one another in this day and age filled with technology, social media, and life stress(es)? (i.e. and I’m not talking about all those families or yours that sit next to each other but are completely detached from one another either). Notice how many of you do this but also take notice of how many of you actually engage your other family members not merely sitting together while each of you operate in your own world(s) on your own digital devices or watching television. Now I ask… “does the family that eats together, stay together?” Do you think that this old saying is still relevant today?

Connected or Disconnected Family: What is the Right Recipe?

By no means am I an expert in parenting but I truly believe that this (eating together but not actually communicating with one another) is growing problem in America and throughout the world. Does it make since if families have any chance of sustaining themselves long-term just like a business they need to spend more time together especially during dinner. When I was growing up, I can remember dinner was one of the few times that our family actually connected with one another because we didn’t have many distractions. Let’s face it who wanted to watch television in black in white anyway. Now as a single dad I wanted to address why eating together (and YES I mean actually talking to your other family members) is still important to your family’s long-term success). Boys and girls, ladies and gentlemen I must admit if you follow this recipe you will not only put food on the table but you will be back on the right track of putting your family back together.

disconnected

Take stock of what you have

Each morning when you wake up the man or woman that you see in your mirror is actually you. I hate to tell you but YES that person is you! There are a million and one reason(s) why when you look in the mirror you continue to make excuses for the life you have created. However, if you think hard about the things in the past that have lead you to this point (whether you are happy or not), I bet you can equate almost if not all of your positive/negative feelings to a point in your life that involved other people… especially family members, YES? My point is, we are all far from perfect but if you surround yourself with others that positively affect you and/or your family, you can begin to take stock of what you actually have or what actually matters most to you. This is especially important if you have kids since they look or are looking for that special leader in their life. So, how can you have a positive effect on your children? This is as simple as putting down all those electronic devices and creating REAL conversation with your kids well sharing a meal together and not sharing a meal together while everyone in your family is engaged with others in the digital world.

the journeyA brief look back

It wasn’t long ago that I discovered that technology was/is changing the relationship I have with my son. This is both good and bad. Therefore, over dinner the last night I decided to take a step back to think about the days I spent with my family growing up to help shed some light on what I could do to be the leader in my son’s life much like my dad was in mine. My dad worked extremely hard when I was young mostly at night, so we didn’t get to see him that often and likewise with my mom but the only difference was she worked the day shift. Split parenting at its finest. However, one thing my parents did was make sure that we all came together (i.e. whether we had to go to my dad’s work) over a nice family dinner every night, which I can remember being special even to this day. Do you have any early memories? Do most of the things you remember about your childhood include dinner with the/your family?

How about grandma and grandpa…

Having lost all my grandparents at an early age (all before I was out of elementary), I am not 100% but I truly believe that children without any thought are given the natural ability to love and cherish the time they spend with their grandparents. Does that sound about right? In fact, grandparents in most families = a long time lasting memory regardless of how significant just like having dinner together. Yes again? Like I mentioned I lost all my grandparents early in life but I remember breakfast each morning cooked by my mom’s mother and other dinners cooked by my dad’s mom, especially Holiday dinners…. Boy, were those fun! One reason I believe that I remember these things (all before age 8) is because we were not engaged in our electronic devices but instead engaged with one another. Therefore, if you as a complete family unit or as a single parent if you want to disconnect the young’ins then I highly recommend calling in the grandparents as an added resource because more than likely they will tell REAL stories (extremely important over breakfast or dinner) not digital stories thus bringing your family closer together.

grandparentsThe effortless approach

Some of you may or may not already know but late last year I lost my mother. Before she passed away, one thing my son and I did religiously was cook dinner for my mom and dad most Sunday afternoons, which allowed each of us the opportunity to share unfiltered stories with one another. Okay, maybe a lot of the stories coming from the grandparents were retold to me but not to my son. This/these stories and memories made these days extremely important since they created new memories for my son (he still talks about them over a year later and he is only 8), which made me realize  more that this was approximately the same age I can remember having similar memories over dinner with my own grandparents. As simple, as this may sound there is not any excuse for each and every one of us to help create these new memories with our own children over dinner even in this age of all the new digital communication. Even though it is just my son and I most evenings, the one thing that I have/continue to do is make sure that we have dinner together each night (without any television, internet, or other distractions), so we too can create long lasting memories. Even though my mother is gone now, my son and I still have dinner with my dad most Sundays. Yes my father still tells my son about all those things I did to piss him off when I was young but those/these times are about as valuable as gold is to most people/parents since the lasting memories continue on long after dinner or a visit has ended. As significant or as insignificant as this may sound, as my child grows older, I have to believe that these dinners (whether with me or the family) will become the ammunition for my sons own success because he knows how hard/long I work each day to have this time we spend together each night without interruptions. The moral of this story is that if I as a single dad can make time each night (i.e. on the weekends with my day) to connect with my son over dinner, while sharing real life experiences you too can provide these valuable life lessons to your family and children over dinner. So, back to the question at the beginning of this article…do you find it strange these days for families to eat together?  My answer just like 30 years ago growing up is no, since these dinners provide the memories and fuel more of us need to tackle present and future challenges. If you haven’t given thought or perhaps have forgotten have valuable dinner is with your family I encourage you to continue on with eating together with your families and continue on with the old saying…

“A family that eats together, stays together” my friends, as I am sure you won’t be disappointed that you did.

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Understanding Auto Insurance Cancellations: Pro-Rata, Short-Rate, and Flat Cancellations Explained

Auto insurance policies are not always kept for their full term. Whether a policyholder sells a vehicle, finds a better rate, moves to another state, or simply decides to switch carriers, insurance policies are often canceled before their expiration date.

What many consumers don’t realize is that not all cancellations are calculated the same way. Depending on who initiates the cancellation and when it occurs, the refund amount may vary significantly.

The three most common types of auto insurance cancellations are Pro-Rata, Short-Rate, and Flat Cancellations.

What Is a Pro-Rata Cancellation?

A pro-rata cancellation occurs when the insurance company cancels the policy or when a cancellation is processed without any penalty.

Under a pro-rata cancellation, the policyholder receives a refund for all unused premium on a straight-line basis.

Example

Assume:

  • Annual premium: $1,200
  • Policy term: 12 months
  • Policy canceled after 3 months

The policyholder used 25% of the coverage period and is entitled to a refund of the remaining 75%.

  • Premium paid: $1,200
  • Earned premium: $300
  • Refund: $900

No cancellation fee is deducted.

Common Reasons for Pro-Rata Cancellations
  • Insurance company non-renews or cancels coverage
  • Vehicle is totaled and coverage ends
  • State regulatory requirements mandate a full refund calculation
  • Certain carrier-specific cancellation provisions

What Is a Short-Rate Cancellation?

A short-rate cancellation is the most common form of cancellation when the policyholder voluntarily cancels coverage before the policy expires.

With a short-rate cancellation, the insurer retains slightly more premium than the exact amount earned. This creates a financial penalty intended to offset administrative costs associated with issuing and canceling the policy.

Example

Assume:

  • Annual premium: $1,200
  • Policy canceled after 3 months
  • Unearned premium: $900

Instead of receiving the full $900 refund, the carrier applies a short-rate penalty.

Potential refund:

  • Unearned premium: $900
  • Short-rate penalty: $45
  • Refund issued: $855

The exact penalty varies by carrier and state regulations.

Typical Short-Rate Fees

Many carriers use:

  • 5% of the unearned premium
  • 10% of the unearned premium
  • A fixed cancellation fee ranging from $25 to $75
  • A state-approved short-rate table
Why Insurers Use Short-Rate Cancellations

Insurance companies incur expenses when policies are issued, including:

  • Underwriting costs
  • Policy processing
  • Commission payments
  • Administrative expenses

Short-rate penalties help recover a portion of those costs when a customer leaves before the policy term ends.

What Is a Flat Cancellation?

A flat cancellation treats the policy as though it never existed.

The insurer returns 100% of the premium paid and no coverage is considered to have been in force.

Example

Assume:

  • Annual premium: $1,200
  • Policy purchased today
  • Customer discovers duplicate coverage and cancels before the policy effective date

Refund:

  • Premium paid: $1,200
  • Refund issued: $1,200

No premium is earned by the insurer.

Common Reasons for Flat Cancellations
  • Policy canceled before the effective date
  • Coverage obtained in error
  • Duplicate policies discovered
  • Underwriting declines coverage before policy inception
  • No claims or coverage exposure occurred

Comparing the Three Types of Cancellations

Cancellation TypeRefund MethodPenalty Applied?Typical Situation
Flat Cancellation100% refundNoPolicy never takes effect
Pro-RataRefund of unused premiumNoInsurer initiates cancellation
Short-RateRefund of unused premium minus feeYesCustomer voluntarily cancels

How Much Could Cancellation Fees Cost?

Consider a policy with a remaining unearned premium of $600:

MethodRefund
Flat Cancellation$600
Pro-Rata Cancellation$600
Short-Rate (5% Penalty)$570
Short-Rate (10% Penalty)$540
Short-Rate + $50 Fee$550

While the difference may seem small, policyholders with higher premiums can lose hundreds of dollars when a short-rate penalty applies.

What Consumers Should Do Before Canceling

Before switching auto insurance companies:

  1. Verify the effective date of your new policy.
  2. Ask your current carrier whether a short-rate penalty applies.
  3. Request the exact refund amount in writing.
  4. Confirm there are no cancellation fees.
  5. Avoid any lapse in coverage that could increase future insurance premiums.

Many consumers focus solely on the new premium savings and overlook cancellation penalties that can reduce the benefit of switching carriers.

Silver sedan under transparent garage model on October 2023 calendar with service dates
A silver car under a transparent garage model on an October 2023 calendar.

The Takeaway Here

Understanding the difference between flat, pro-rata, and short-rate cancellations can help consumers make more informed decisions when changing auto insurance coverage. While flat and pro-rata cancellations generally provide the greatest refund, short-rate cancellations may reduce the amount returned through penalties or administrative fees.

Before canceling any auto policy, ask your insurance company or agent how the refund will be calculated. A simple phone call could prevent an unexpected deduction and help ensure a smooth transition to your new coverage.

Disclosure: This article is intended for educational purposes only. Cancellation rules, refund calculations, and fees vary by insurance carrier and state regulations. Consumers should consult their insurance policy and carrier for specific cancellation provisions.

About the Author:

David Dandaneau is a client relations analyst that covers the insurance and financial services industry. He is known for his insightful analysis and comprehensive coverage of market trends and regulatory developments.

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