4 things you should never do with your credit cards

By Susan McCarthy, a financial adviser in Oklahoma City and author of The Value of Money, lists her top four credit card don'ts:

1. Don't make only the minimum payments. This stretches out your payment and, thanks to the interest, significantly increases your overall cost.

2. Don't carry too many cards. Multiple cards make it easier to rack up debt because it's harder to keep track of your spending. Having lots of cards isn't necessarily bad for your credit, but misusing them is. So limit your plastic to two national cards (store cards often carry higher interest rates) that you manage carefully.

3. Don't miss payment due dates. Not only will you be hit with a late fee-as high as $39 on some cards-but your interest rate could also jump. Sign up for online banking or pay over the phone if you're up against the deadline. (You may pay a processing fee, but it will probably be less than the late fee and the possible interest-rate hike.)

4. Don't take cash advances. These advances generally come with sky-high interest rates and service fees, making them a far too expensive way to get cash. Avoid at all costs.

Source: Shine from Yahoo!

Baby Room Furniture, What You Must Have?

By Yenie Swandari

Generally before baby comes home these are the things your nursery or baby room should be equipped with, to make you and the baby comfortable and make your task easier to caring for the new bundle of joy.

Baby stores are full of "goods" all adorable, cute and charming as can be, like Modern baby furniture, The Transformer bedding, baby jumper, Disney character high chair, toys, and accessories, all of these items are tempting but it is easy to forget what is really required. Here are some furniture that really necessary to buy;

For sleeping. There are several options to choose baby bed such as a cradle, a bassinet a crib, or a convertible crib. The best solution is a convertible crib although it’s a little more expensive to start with. And if your baby gets older it takes only some additional tools to convert the crib to a toddler bed.

You will need some fitted sheets to cover the mattress and some baby blankets. You have to keep the baby's bedding clean and make baby comfortable.

A changing table use to put everything you need for changing or cleaning baby right at hand, convenient and will help spare your back. Some changing table even has a little integrated bathtub, which can be tucked away when not needed or be changed into a toy shelf. But if you don’t have space to place a changing table in the baby’s room, you can change the babies on the bed.

A dresser is useful for put away all of baby’s clothes. The dressers are available in all style and price. But you could repaint the old dresser.

A toy chest. In choosing a toy chest the only concern is to ensure that it is fitted with a closing system that is safe for little fingers.

Baby Gift Personalized

Best Ideas for Baby Gifts Personalized

By Yenie Swandari

Many parents who have a new baby in their life often receive a lot of baby gifts. Perhaps a personalized presents makes your recipient will remember and cherish for years. An excellent choice of personalized gift can make a great keepsake for the baby forever. Here are some great ideas for personalized baby gifts:

Blankets and Quilts. Quilts, throws and blankets can come in all sizes and styles including pink for baby girls, blue for baby boys, and other colors if you not know the sex of the child yet. You can order blankets and quilts to be personalized with anything such as baby’s name, baby’s last name and birth date or special and beautiful quotes.

Bibs. They can also be personalized not just with a baby’s name, but also with pictures, a cute saying, and anything else you can imagine.

Frames. A personalized frame is a perfect gift for both the baby and their parents. There are many variety of the picture frames available can be personalized with names, dates, and other information about the baby. They can remain a picture frame specifically holding a picture from the baby’s first days in this world or as the baby grows older, they can switch out the pictures in order to keep them current.

Baby Name Bracelet. You can create not only a personal and memorable gift, but a rather beautiful one at that.

Keepsakes. Another personalized gift that also work well as baby gifts are clothing that is personalized with the baby’s name, Photo albums that have personalized covers or wood blocks that are carved with personal touches.

To get the perfect personalized gift, make sure you follow these tips:

• Check with parents for the correct spelling of the baby’s name.
• Never assume the birth date or don’t include a date at all.
• Supplement the personalized keepsakes with practical gifts, like some clothing or a gift certificate to a local baby store.
• Personalized gifts that say “Auntie’s Little Angel” is probably a better gift from auntie.

Personalized gifts can really show your love and care about the new baby. Parents will really appreciate the gifts and they can both use and keep it.

Finance Tips of The Day

"Buy a used car. The most expensive miles on a car are the first 10,000. Let someone else drive those for you. Buying used can save a lot of money considering how little value the car has actually lost".