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Changing Credit Cards....
C.D. answers from Chicago on January 1, 2009. Hi J., .... If you plan on revolving a balance, shop for the lowest interest rate, regardless of the reward . ...
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- Hello J., I used to have an AA miles credit card as well. Once I finally got my flight out of it, I was looking for a new one as well. Citicards has lots of differen...
- I highly suggest getting a UPromise Citi Mastercard (www.upromise.com). If you haven't already set up a UPromise college savings account (for free) for your little on...
- Hey J., I have had a number of different 'awards' gathering credit cards. I have to say the BP visa seems to be the most lucrative (sp?). We have had TONS of free...
Ideas to Cut Back Expenses to Be Able to Be a Stay at Home Mom
... possible to refinance for a lower interest rate and monthly payment. ... in CD's that came due every 3 months for a year) during my first year home. ...
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- Write down all your expenses for the next month or two. Categorize them and start looking for places you can cut costs. Then start saving. Even if you can't afford ...
- Not having to pay your nanny and day care may be more of a "raise" then you think
- Hi there, Actually, it might help you to quit working. People don't take into account all the "little" expenses that you have when you work. First of all, it migh...
Poll on What You Think About Repaying Parents
I have borrowed from parents (& in-law) and always paid back, with a low % ( lower than I could get) interest rate if it was a longer term loan. ...
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- (written after your update) It sounds like you are doing the right thing-being VERY clear about when you can repay and the reasoning why-sorry to hear about your hu...
- I think that you should repay your parents if you borrowed money and it was not given as a gift. If you borrowed the money from a bank would you question whether or no...
- Loans should be documented in writing and signed by both parties clearly spelling out the amount borrowed and when it is expected to be paid back. I agree with the ear...
Short Sale vs Foreclosure
C.D. answers from Boston on July 7, 2009 ... My credit union was kind, though, and where a personal loan usually comes with a 15% interest rate, ...
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- Hi C., I am a Realtor in Maine, if you are successful in getting a shortsale offer, yes you are responsible for the difference. If you can not pay it (and usually peop...
- C., I work as a real estate paralegal... and NO you do not have to pay the difference on a short sale. What happens is you place the house on the market and the bank ...
- HI C., Listen to Kelly!!! and here is a website to learn more of what you are about to do... good luck! http://homebuying.about.com/od/shortsale/Short_Sale.htm ...
Help! I Am a Dunce with Money!
C.D. answers from Springfield on May 15, 2008 ..... card history we have a lower interest rate than most people which saves us a lot of money in interest. ...
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- I combine my shopping with Cost-CO (their milk is hormone free as well as their ice cream, yet not 100% organic... and it is CHEAPER!) along with Berkots or Brookhaven...
- Hey T. M. Well I'm no whiz at math, but I am a single mother and I do pretty well with the budget for myself and 2 kids. I will say that it is important to keep trac...
- Ok...the word "dunce" has me laughing...I don't know why but I think it's been forever since I heard it and it cracks me up. There are a lot of ways to build a budg...
Teaching Children About Money.
The book comes with a CD for younger kids to listen. ... You can also just be the bank and offer a high rate of interest (like 10%) so your children get in ...
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- Hi. As far as allowance goes, I always give my kids, even my 3 year old, allowance based on what they have done to earn it. My main goals are to teach them the value...
- There is a simple rule that if you can teach it to your kids they will appreciate for a lifetime! 1/3, 1/3, 1/3. What does that mean? It means when you get money of an...
- Just because you buy something for the household doesn't mean your children need a toy or gift. If they want something,tell them to put it on their b-day or holiday wi...
Teaching 2 Year Old Son
I go to the dollar store and but books that come with a cd to listen to and cds that ... Not every child learns at the same rate or in the same way. .... I would pursue things that interest me, and model that for my son (but not to the ...
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- This sounds normal for his age. Try working the learning into his play. Like, if he loves little cars, teach him the colors of the cars and make it a game (let's rac...
- You have to remember a 2 yr old has an attention span of about 15 mins. So with that in mind, keep any learning sessions with him short, and involve play. I have my ...
- Hi C., I don't think you are doing anything wrong. From my experience with my daughters and my neices and nephews, 2 years old might be a little young to be teaching ...
Teaching My 4 Year Old and 18 Month Old to Read??
Every child developes at their own rate, one of my 5 kids was reading at age .... to 15 minutes. the entire cd is about 22 mintues so we find oursleves doing .... Then if she shows an interest and ability at 3 1/2 or 4 you can take her ...
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- I really like the "Now I'm Reading" series by Nora Gaydos. They are a series of small books designed to take kids from intuitive picture "reading" up to simple nonfict...
- Don't push to hard. Use teachable moments (times that occur naturally). Your four year old will benefit from this but just start with reading aloud, getting books, g...
- Personally I think we are getting to much into our thinking minds and need to play and exercise more than we do. Unless your kids are really into it, and asking to le...
Unsafe Plastic Bottles?
C.D. answers from Providence on September 20, 2007 ... It's not in their best interest for them to face the leaching issue. ... but it a higher acceptable rate...there are numbers on the bottom of bottles now that show the level of ...
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- To get more information, either go to the Lalech club (the breastfeeding site) OR ask someone at a WIC office near you. What we were told was that the cancer causing ...
- Hi J., I would not microwave any food in plastic. I would also not get new bottles it seems that they are fine when not superheated. You can't always rely on a compa...
- I wouldn't worry too much, which is something hard to say and live by as a mom. There isn't much you can do. How do you know which plastic bottles do this and which ...
What Are the Options to save Money for Baby's Future?
I think that CD's earn money if you put them into an account where you can only remove ... based on investment ability and flexibility and rate of return, ... He really has our best interest in mind and is NOT only in it for the money! ...
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- Take a look at this website: www.thesimpledollar.com He gives a lot of sound financial advice from his own personal viewpoint and experience. An additional bonus is ...
- If you are still looking, give me a call...I am a working mom in Austin and I am also a financial adviser. I set up 529 plans for both of my children under 2. There ...
- We went though our State Farm Agent and set up a college fund for our son hes 4 and I think its worth $7000 right now! So my suggestion would be to contact your insura...
