It’s easy for him to dress as his favorite team player when you get a football costume kit, because it comes with everything you need to turn him into the star of the team. These sell out really fast, so get yours right away.Second, pick your favorite character from a Disney movie – Toy Story’s Buzz Lightyear or Woody are in hot competition with the Cars characters, like Lightening McQueen or Tow Truck Mater.Third on the list, let’s go for the obvious DC Comic heroes. Dressing as Batman, Robin or Superman is always a hit with boys on Halloween.

Fourth to go on the list of Halloween costume ideas for boys is a choice from popular video games.Sonic the Hedgehog costumes are cute and wildly popular. So are the Super Mario Brothers costumes. If your son has a best friend, then they can each be one of the Super Mario brothers and go as a pair!Fifth is one that all boys love to dress up and that’s as a pilot. Middle school boys love to picture themselves in the wild blue yonder after rocking that F-16 off the ship and in the Armed Forces Pilot suit, that imagination can certainly grow wings. Sixth on the ideas list is a costume idea that a boy can do with a couple of his pals and that’s to dress as the Star Wars characters.

One group can be good and one can be evil.On to the seventh costume idea – inspired by the wildly popular Pirates of the Caribbean movies and that’s of course to dress like the one and only Captain Jack Sparrow or his pirate-in-crimes, the affable Will Turner.Eighth on the list of Halloween costume ideas for boys is from this decade’s most popular movies for kids and adults alike – Harry Potter.

Your son might want to be Harry himself, or he may want to be one of the other male characters like Hedwig the owl or a Dementor.Now we come to the ninth costume on the list of favorites and that’s an astronaut. Boys still dream of exploring the great vast beyond and like those astronauts before them, of uncovering the mysteries of deep space.

Do you think that illegal immigrants should be able to buy auto insurance?

New Mexico’s legislature passed a law in 2003 that allows illegal immigrants to get driver’s licenses so that the public would be safer. States regularly deny driver’s licenses to foreign citizens no matter what there immigrant status is. Some states like California began tightening their requirements for driver’s licenses, and many immigrants couldn’t renew their licenses, and their car insurance was cancelled automatically.

Some car insurance companies have seen this as a new golden market. Even though many states deny driver’s licenses to illegal immigrants, the law doesn’t prevent insurers from selling insurance to unlicensed drivers and car owners. Big companies like Progressive are writing car insurance for illegal immigrant drivers.

My first reaction to this story was anger. How could those insurance companies reward illegal immigrants with car insurance? But then, I calmed down and began thinking like an insurance claims professional.

The legal arguments about immigration are not my immediate concern, and they shouldn’t be yours, either. The most important thing you should consider is what happens to you if you get into a traffic accident with an unlicensed driver who has no car insurance.

How many times have you heard a news story that told about an illegal immigrant driver that caused an accident, and then took off on foot, abandoning their car? Sometimes, they’ll beg the other driver to let them pay for damages in cash, just so they are not discovered driving without insurance or confronted by police.

I like the fact that the insurance companies are taking a pragmatic position. Illegal immigrants are going to drive cars in North America. Few things will stop them. They are going to drive to and from work whether or not they have a license. Nothing prevents them from owning a car in any state that I know of.

By serving this growing market, the auto insurers are offering protection as they rightfully should. They are staying out of the political fray, and correctly staking their position in the free market. Certainly, this market of illegal immigrants is high-risk insurance, and so the insurers are charging high-risk rates for auto policies. But that’s no different than charging higher rates for American citizens that have had a DUI. Risky behavior gets you higher rates.

But the insurance companies are finding that the illegal driver segment is very profitable. The insurance companies experience good “retention,” meaning that the policies renew regularly. Just as important is the fact that illegal immigrants seldom report small accidents to lower the chances that they’ll have a brush with the law. Companies like Progressive, Farmers Group, Bristol West, Infinity P&C and Alliance United are putting a lot of effort into expanding this part of their book of business.

So, in this case, I think the insurance companies are doing the right thing. The more illegal immigrants that have car insurance, the more we all will be financially protected.