articleBaby Crib Advice And TipsCongratulations! You have just learned that you are having a baby. Whether this is your first or not you need to look at cribs. Do you have one already? Is it an antique? A second hand crib whether antique or not needs to be carefully looked at. This is for the safety of your new baby. |
Baby Crib Advice And TipsBy: Martin Smith Congratulations! You have just learned that you are having a baby. Whether this is your first or not you need to look at cribs. Do you have one already? Is it an antique? A second hand crib whether antique or not needs to be carefully looked at. This is for the safety of your new baby. The screws, bolts, and/or other fasteners should all be in place. Are they loose? Will the position of the mattress hold under your baby's weight? It is imperative that this be tested before you put your baby in the crib. Take something that approximates the weight of your baby at about 4 months old. Bounce it off the mattress to be certain it will hold its position. If it doesn't it could cause serious injury to your baby or worse. When setting up the nursery (if it isn't already up) consider very carefully where you will place the crib. If you place the crib near a window and you have Venetian blinds, either shorten the cords or anchor them somewhere that your baby can't reach and get a hold of them. If it all possible avoid placing the crib near the window. As your baby grows into a toddler and s/he attempts to climb out of the crib; s/he could possibly fall which could cause serious injury to your baby. Blankets and your baby are not necessarily a good mix. With the incidents of SIDS today, you want to be sure to do everything that could possibly put your infant at risk. It is more advisable to put your baby to bed in a sleeper. If you absolutely have to have a blanket on the baby, tuck it tightly around and under the foot of the mattress with your baby's feet touching the footboard. Also you don't want to put the blanket any higher on the baby than up to his chest as that will help prevent him from slipping under the blankets and suffocating. Bumper pads are a great concept but unless they are secured properly, there is a risk of your baby slipping between the mattress and the bumpers and possibly suffocating. If you use them they should be anchored in at least eight places one at each corner of the crib and at least two spaced evenly on each of the sides. There should be a total of 16 ties in all, for the top and bottom. Mobiles are a nice addition and look adorable but... the caution here is that if you use a mobile as soon as your baby starts to sit up on his own the mobile should be taken down to prevent your baby from getting tangled in it. Also make sure that it has no small removable parts that your baby could choke on. If your crib is second hand no matter whether you had for a previous child or you got it from someone else check out the mattress carefully. Make sure there are no cracks or holes in the mattress covering. Make sure too that the mattress properly fits in the crib. Here again, your child could slip between the mattress and the sidebars or the end boards and suffocate. The mattress should fit snugly in the crib. Now the sheets you use in your baby's crib should also fit properly and not slip and slide. Sheet anchors are available that hook on the sheet under the mattress and keep it in place. The position of the mattress is imperative for your child's safety. Most parents put the mattress at the highest position when the baby first comes home because it is so much easier to change him in that position. As your baby becomes more active you will want to lower the mattress accordingly. Once your baby is able to pull up to a standing position put the mattress in the lowest possible position and to be sure your baby is safe, measure the distance between the top of the side bar and the mattress. In the lowest position the distance of the top of the side bar should be no more than 26 inches above the mattress. If your child's head is over the side bar or they climb out of the crib, it maybe time to move your child to a regular bed. Some cribs are convertible into beds tat will grow with your child. The crib itself should be looked over for things that might put your baby at risk. Have you seen those cribs that have ornate designs carved into the end boards? They are beautiful but they pose a danger to your child. Your child could get his head or arm and leg caught and sustain an injury. The simpler the design of the crib the safer your child may be. Since approximately 1974 federal safety guidelines for cribs state that the slats should be no more than 2 3/8 inches apart. This is to prevent your baby from getting his head stuck between the slats. This could cause injury to your baby but it would necessitate the removal of some of the slats and that alone would. Author Bio: Martin Smith is a successful freelance writer providing advice for consumers on purchasing a variety of Baby Crib Bedding and more! His numerous articles provide a wonderfully researched resource of interesting and relevant information. |
The Right Time For Mortgage RefinancingIf interest rates have dropped by a percentage point or more since you got your first mortgage, refinancing could save you big bucks. And if you have enough equity so that your new mortgage is for less than 80% of your home's value, you'll be able to stop paying Private Mortgage Insurance (PMI), which will save you even more. Mortgage refinancing could also result in lower monthly payments, depending on factors such as: if any 'points' are paid to lower the interest rate on the new mortgage; how much cash is taken out at the time of refinancing; the duration of the new mortgage and whether the new mortgage is a fixed-rate, adjustable-rate or variable-rate loan. "A vast majority of people close their loans, make their payments and don't worry about it again," says Bob Cannon of BancMortgage Financial Corp. "They don't refinance when they should be looking at it." Even if you have bad credit and have to pay somewhat higher interest rates, mortgage refinancing will still cost less than other forms of borrowing because the loan is secured by your home. And if you use the money wisely, you can get out of credit trouble and raise your FICO score. This will qualify you for better rates in the future. Your FICO score is computed and tracked by the three major credit bureaus: Trans Union, Equifax and Experian. Your score is updated quarterly and is negatively affected by such things as: late or missed loan payments, filing for bankruptcy, having too much debt compared to your income, and credit card balances being too close to their limits. Fixing Bad CreditIf you are a homeowner, mortgage refinancing can go a long way toward improving your financial situation. Here are a few other positive steps you can take to speed up the process: Credit card discipline - Reduce the number of cards in your wallet or purse to one. Take it out only when necessary and pay it off each month. Credit union membership - If you aren't already a member, join a credit union. They're a good source of loans for purchases like a car or a home. Automatic savings - Have your bank automatically deposit a set amount from your paycheck into your savings account or retirement plan. Avoid credit repair scams - There's nothing a credit repair company can do that you can't do yourself with a little research and effort. Many of the homes on your block have probably been refinanced in the last few years. Now it's your turn. Author Bio: Mike Hamel is the author of several books and the Senior Writer for AIM Techs, www.salesandmarketingllc.com, an Internet marketing company that specializes in improving visitor-to-sale conversions using proprietary software and advanced SEM techniques. |