Is Cord Blood Banking Right For You?

Saving your baby’s umbilical cord blood allows it to be cryogenically stored, and then available if your child later becomes sick and needs a bone marrow transplant. Umbilical cord blood was discarded until the 1970’s, when researchers discovered that umbilical cord blood could save lives under certain circumstances.How do you decide on cord blood banking? Many soon-to-be parents ask this very question. Here are some things to consider when deciding on whether or not to bank your baby’s umbilical cord blood. This type of transplant would be ‘autologous’ and is different than the more common ‘allogenic’ transplants that might be done from a sibling or other relative or an unrelated donor. Our own blood is the best choice for a …

How to Plan Outdoor Holiday Decorating for Your Home and Stay Within Your Budget

When I was a little girl, I remember my dad taking us for drives at night throughout our neighborhood to see the houses decorated for Christmas. There were some that had a simple wreath on the front door and some that looked like Santa’s Workshop on the front lawn. I was always amazed at the beautiful lights, glistening snow, and holiday music. It wasn’t until I was an adult that I realized those beautiful displays took a lot more organizing, planning and money than I thought. Whether you live in a cold or warm climate, you don’t have to break the bank in order to create a cozy and beautiful outdoor holiday display for your home. Here’s how. Create a …

How To Prevent Yourself Or Your Business From Being Held Up

HOLD UP PREVENTION RULES – Use the measures outlined in this page. – Call the police at once if you notice suspicious strangers loitering near or in your place of business. – Never block the view into your store by crowding display windows. It is important to maintain visibility into your business extablishment at all times. – Secure your teller and cashier operations. Install barriers to keep unauthorized persons out of these areas. – If practical, mark doorways at varying heights to allow proper identification of robber’s height. – Install a hold up alarm system. – Install a timed delay switch to turn off exterior lights after your employees have gone for the night. – Use two people to open …

How To Buy Christmas Presents And Not Break The Bank

I have kids that are 16, 13,10 and 6 years old. We all know that when kids get to this age that they want gifts that are expensive. All their friends have new mp3 players, high tech video games, cell phones, etc. As working parents we know how much these things cost. I work at a factory, so spending hundreds of dollars on the newest gadget isn’t in my Budget. But since we love our kids and want to give them things they actually want and like, it makes it tough on us. So every year we spend too much money and then the bills come in, and our eyes bug out. Then we have to try and get overtime …

10 Birthday Gifts Your Kids Will Love

Everyone loves a special gift on their birthday: especially our kids! I have put together a list of 10 memorable gifts you can gift your children on their birthday without breaking the bank. Art supplies: almost all kids enjoy crayons, markers, stickers, colored pencils, gel pens, special papers and scissors, sidewalk chalk, water colors, homemade rubber stamps, “how to draw” books calligraphy instructions, or origami instructions and colored paper. An art supply gift not only encourages the youngsters to use their imagination, but it can be an extra treat when you spend time with them using them. Books are always great gifts for any age: you can get musical or squeaky books for the little ones, short stories for preschoolers, …

Advice On Debt Consolidation – Make The Experts Work For You!

Do you know how many credit cards you carry? Do you have a list of long-pending bills? Do you know your exact financial situation? It doesn’t matter whether or you’re already deep in debt or whether you are on the verge of getting into it; you need some advice on debt consolidation–and not informally from friends–but from experts. Where can I get expert advice on debt consolidation? You can get advice on debt management from banks and financial firms. There are loads of debt consolidation companies around who will supply you with a financial expert or councilo r to help solve your problems. You may also find some helpful advice online on debt management. All you are required to do …

5 Easy Ways to Save and Build Wealth

1. Pay off high-cost debt. The best investment most borrowers can make is to pay off consumer debt with double-digit interest rates. For example, if you have a $3,000 credit card balance at 19.8%, and you pay the required minimum balance of 2% of the balance or $15, whichever is greater, it will take 39 years to pay off the loan. And you will pay more than $10,000 in interest charges. 2. Buy a home and pay off the mortgage before you retire. The largest asset of most middle-income families is their home equity. Once these families have made their last mortgage payment, they have far lower housing expenses. They also have an asset that can be borrowed on in …

4 Things You Shouldn’t Do When You’re Buying A Home

1. Don’t Make a Major Purchase You’ve just found out your credit is A . That’s great news, because a new car would look fantastic in the driveway of your new home. But hang on–if you are depending on a mortgage to move in, you’d best wait until after closing to buy the car. An increase in your debt to income ratio reduces the amount of monthly income available for your mortgage payment. If you tack on a higher car payment, the bank might decide you cannot afford the home. Using cash to purchase the car could also create a problem, since banks consider cash reserves when approving your mortgage. If you make a major purchase before closing, talk to …

Are You Prepared?

Neighborhood Preparation NOW is the time to share this information with every neighbor and form a neighborhood group that can help each other. Anarchy and riots could break out and law enforcement agencies may be operating sporadically if at all as we have witnessed in New Orleans. Your first question may be: “What if I don’t know my neighbors?” Well, this would be an excellent way to get to know them. You can go door-to-door inviting them to your house for a meeting. Or if your neighborhood has a meeting room, then reserve that room. If you live in an apartment complex, then reserve your clubhouse. Also some neighborhood associations and apartment complexes have a newsletter. Prepare a notice about …

The Identity Theft Epidemic : What The “Experts” Aren’t Telling You

Picture yourself walking down the street, all alone. It’s late at night. It’s a bit brisk, and the wind is blowing through the tall buildings on both sides of you. Suddenly, from out of nowhere, someone runs by you, knocks you over, grabs your wallet, and takes off. It sounds like a scene from a movie, and there may come a time in the future where this type of person-to-person crime is only found in movies. Why would anyone rob a bank, or rob an individual, when they could simply use a person’s information to obtain employment, credit cards, and lines of credit? By now, everyone knows what Identity Theft is. Identity Theft has been showing up in the news …

Summer Survival

Summer Survival The summer season is here and along with it comes summer vacation for the school-aged kids. Moms are now responsible for coming up with the ideas and curriculum for their children and I am the first to admit that by the summer my creative juices have just about run out. How can you make summer another time of fun and enjoyment rather than boredom? And just how do you do this on a budget? There are lots of great things that you can do this summer and ways to keep organized when doing it. Here are a few of Mom Advice’s suggestions for summer survival: Mini-Vacations Rather than taking one long vacation in the summer, break your vacations …