Budgeting for Baby

Written by Mike Collins


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Now I'm certainly not telling you not to buy your little one anything expensive or fancy. Just keep in mind that she may just push it out of her way so she can play withrepparttar box.

Baby Walkers - You hardly see these in stores anymore, but they can be found. Skip it. They are dangerous. Stick a baby in one of these and they can wheel themselves into trouble before you know it. There have been horrible incidents of children rolling down a flight of stairs or running into a table and knocking something down on top of themselves.

The 4 BEST purchases we made. An ExerSaucer - An exersaucer looks very similar to a walker with one major difference...it doesn't move. The exersaucer stays firmly planted onrepparttar 143416 ground and allowsrepparttar 143417 baby to 'stand' and play with all sorts of toys that are attached to it, plus any other toys you give to him.

My daughter absolutely loved being in her exersaucer and it gave us a chance to get something done aroundrepparttar 143418 house while she was occupied. We knew she couldn't get into any trouble and we constantly changedrepparttar 143419 toys so she would not get bored.

But be warned. Once baby becomes mobile he likely won't want to use it anymore. He can have a lot more fun crawling around getting into all sorts of trouble!

The Best Car Seat You Can Afford - Keeping your baby safe is no joke. Having a quality car seat is vital in case you get into an accident. Be sure you readrepparttar 143420 manual and secure baby tightly each time you take her out.

Also, contact your local police station and ask them if they offer free car seat installations and inspections. Most towns have a few officers who have received special training on installing car seats. If your town doesn't offer this service they can get you in touch with a neighboring town that does. Evenrepparttar 143421 best car seat is useless if it is not installed correctly.

Bundle Me - Unless you live in a climate that is warm all year-round, a Bundle Me is a great timesaver. It is basically a cozy blanket that fits into a car seat or stroller. Rather than bundling baby up in a snowsuit and blankets, just place her inrepparttar 143422 car seat and zip it up. You'll be surprised how warm she stays.

It is especially handy when you haverepparttar 143423 type of car seat in whichrepparttar 143424 base stays inrepparttar 143425 car andrepparttar 143426 seat pops out so you can carry it around. You can have baby all snuggled up inside rather than struggling to do it inrepparttar 143427 cold.

Shopping Cart Cover - You've probably seen them inrepparttar 143428 supermarket. It's just a cloth or vinyl cover that goes overrepparttar 143429 top section of a shopping cart. The baby sits in it and it prevents her from touchingrepparttar 143430 shopping cart with her hands or mouth.

Many people will argue that this is unnecessary, but I see it as a valuable safety device. Countless numbers of hands have touched those shopping carts and who knows what kinds of germs they left behind. Keeping my little girl healthy is more than worthrepparttar 143431 $20 expense.

Mike Collins is the author of the educational eBook "Saving 101 - One Hundred One Proven Techniques for Cutting Expenses, Increasing Savings, and Getting Out of Debt" available at http://www.saving-money-and-living-debt-free.com


Home Loans and Mortgages – Beware of Deed Theft Scam

Written by Charles Essmeier


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repparttar delinquent bills and rentrepparttar 143415 home torepparttar 143416 victim for a year or so at a fair price. During this time, they say,repparttar 143417 homeowner can save their money or pay off other bills. Atrepparttar 143418 end of that year,repparttar 143419 victim can buyrepparttar 143420 house back fromrepparttar 143421 “rescuer.”

This seems like a friendly gesture, except thatrepparttar 143422 “rescuer” has no intention of sellingrepparttar 143423 home back torepparttar 143424 victim. Oncerepparttar 143425 title is signed over to them, they legally ownrepparttar 143426 home. They may evictrepparttar 143427 victim, sellrepparttar 143428 home, or borrow against it, and there is little recourse forrepparttar 143429 victim, who is now nothing more than a squatter. Many of these victims fail to realize that they may have had hundreds of thousands of dollars in equity in their home or that their mortgage company may have been willing to either refinance their home or assist them in some other way with making their payments, perhaps by assisting them with to debt consolidation.

This scam is currently popular acrossrepparttar 143430 country and homeowners could easily avoid being victimized by simply calling their mortgage company atrepparttar 143431 first sign of financial struggle. Mortgage companies aren’t really interested in foreclosure; they’d much rather get paid if at all possible. Before acceptingrepparttar 143432 “help” of strangers who post signs on streetcorners, homeowners should start by asking help from those with whom they are already doing business. Doing so could not only saverepparttar 143433 homeowner money, it could saverepparttar 143434 homeowner’s house.

©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a Website devoted to debt consolidation information and HomeEquityHelp.net, a site devoted to information on home equity loans.


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