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Would You Choose Public Cord Blood Banking?

Just before my daughter was born, I was diagnosed with Type 1 diabetes, an autoimmune disease that’s genetically inherited. Our family has a strong history of this difficult disease, and I was concerned that my daughter would carry the gene too. At the time, my husband and I were debating whether we’d store our daughter’s cord blood. The diagnosis of diabetes was the clincher: we decided to spring for private cord blood banking, knowing that researchers were doing studies on umbilical stem cells and treating children with new Type 1 with their own cells, in the hopes of restoring their … Continue reading →

Your Caloric Bank Account

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Whether you watch your carbohydrate intake or your fat intake, one thing remains true for all of us. If the number of calories we take in are less than the number of calories we use then we’ll lose weight. Carbohydrate watchers may choose to eat higher fat foods that fill them up quickly and allow them to feel satisfied and eat less while others who don’t have any trouble with starch may choose to eat foods lower in fat or completely fat free and just eat more of them. If you are trying to lose weight, one good way to … Continue reading →

Choosing Good Business Partners

I wrote a week or so ago about a few different types of legal business structures that you might consider for a small, home business and one of those was the partnership. Whether you are looking for a partner to share your entire business operations, or you are just in the market for an individual or individuals to partner with for a specific project, finding good business partners is not always easy. Not only do you have to decide what you are looking for in a business partner on a personal level, but you also need to keep in mind … Continue reading →

How to Choose a Good Bank

Your money is a treasure. Deciding where to keep it can be a tough decision. These days there are a wide range of options – all better than keeping your money stashed under your mattress! Usually a larger well-known bank is the safest choice; although they are also less likely to offer you quality customer service. Many recommend instead choosing a smaller local bank with a high rating to get the best of both worlds. How to determine a highly rated bank? First ensure they are part of the FDIC, also known as the Federal Deposit Insurance Corporation. This institution … Continue reading →

When Should Your Child Have a Bank Account?

There are differing opinions when it comes to kids and bank accounts. Some parents choose to get their child a savings account from a very young age—putting away gift and other money in the account until the child is old enough o start managing it on his or her own, while others maintain that a child should be of an age to take responsibility for the bank account before getting one. Is there a right way and/or wrong way to introduce our kids to the world of banking, saving, and managing money? I am of the opinion that savings accounts … Continue reading →

Frugal Ways to Entertain Your Kids this Summer

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Summer vacation is a time that most children excitedly look forward to. It is easy to see why. They get a whole lot of free time! Parents are going to need some frugal ideas for fun activities that will entertain their children. Here are a few ideas to try. Bubbles Little kids cannot get enough of bubbles! You can pick up small bottles of bubbles, complete with bubble wand, from a dollar store. Check the dollar racks at Target, too. Parents can sit down outdoors and blow bubbles that their toddlers will chase. Older kids can blow bubbles on their … Continue reading →

6 Steps to a Simple, Nonmaterialistic Life

Six easy steps you can take, starting today, to live a more simple and debt-free life  Live Below Your Means Did you know that the average American spends $1.25 for each dollar he or she actually earns? Scary isn’ it? We live in a culture where living above your means is so normal, so casual, that we don’t even realize it. Create a budget and aim to live below your means, not above. Value Usefulness Over Status The clothes we choose, the cars we drive, the homes we live in and the electronics we carry sometimes are often purchased for … Continue reading →

Would You Lease A Pet?

If you’re thinking about getting a pet but aren’t sure you can handle the responsibility, you still have a few options.  Consider volunteering for a shelter, pet-sitting for a friend, or fostering a pet; there are even some short-term fostering situations.  If none of these appeal to you, or if you have a little extra money to spend on your pet, you now have another option: lease a pet.  MSN has the details. A company called Hannah’s Pet Society has started a new business: leasing pets.  Here’s how it works: interested parties go to one of the company’s two stores … Continue reading →

The Frugal Cruiser

Nothing is better than setting sail on a relaxing cruise that doesn’t leave your wallet high and dry. These days you don’t have to drain your bank account to afford a dream cruise.  Instead, you can save a bundle by following a few simple money-saving tips.  For example: Size:  When it comes to financing a cruise, size matters.  Massive cruise ships that house thousands of passengers and crew members often offer a boatload of amenities that may cost you a pretty penny.  By opting for a smaller vessel with fewer available goods and services you can reduce the price of … Continue reading →

Don’t Eliminate the Entertainment Budget

Often, when times are economically tight, as they are now for most of us, the entertainment or fun budget is the first thing to go. Just because there is less money available, doesn’t mean that there has to be less fun. Do Put Something in the Budget for Entertainment Designate some amount for family fun, even if it is only limited to $20 a month or even less. Budgeting for entertainment sends the message that family fun is important, even when it isn’t expensive. If you create a zero-based family fun budget you may wind up indulging anyway, and blowing … Continue reading →