DEAR ABBY: I added my 37-year-old son to my insurance policy because it would cost him almost double if he went on his own. The problem is, I struggle every month getting him to send me the money so I can pay the premium. He promises to send it but never does. What should I do? -- CAN'T AFFORD IT IN THE SOUTH
DEAR CAN'T: Give your irresponsible son a date by which you expect to have the money each month for his share of the premium. Tell him that if the money is not there when it's time for you to send the payment that you will drop him from your insurance. Make sure he understands that this is not an idle threat, and if he doesn't follow through, take him off the policy.