Sunday, May 3, 2009

Baby Names - Considering Your Last Name

Baby Names - Considering Your Last Name

It's overwhelming enough to decide on a perfect first name for your baby, but if you're not considering its effects on your baby's last name you may be setting him up for future disaster. It's easy to overlook how the combination of your baby's first name and last name will work together. Let's look at a few pointers in this area.

Perhaps the most obvious place to start is using a duplicate name for your baby's first and last names. William Williams or John Johnson for example. These names may cause some flack for your child going through school or they may provide a way to really set them apart. Mitch Mitchell, for example, was a famous drummer with Jimi Hendrix.

 Common words as last names can present problems. My last name is Byrd and I have to think twice about names so my baby doesn't end up with a silly name. Be especially aware if your last name is slang for something vulgar. You can be sure your child will never live down a name like Richard Johnson once they hit high school.

Next, make sure the first name you pick doesn't end with the same sound that your last name begins with. For example, when saying Mark Kogan aloud, it sounds like Mark Ogan or Mar Kogan. And John Nolan becomes Jaw Nolan or John Olan. Just a small point to check for once you're pretty certain on a name.

Also make sure that shortened first names don't clash with your baby's last name. Edward Jed will most likely shorten to Ed Jed which has a silly sound to it. The classic prank phone call name Ben Dover is the result of a shortened first name as well.

Any name you choose can be made fun of somehow, but these are just some ways to make sure you avoid the most obvious mistakes. Above all, be sure to say your baby's whole name outloud so that you can evaluate its entire sound. Good luck finding that perfect name for your baby!

By: Ian Byrd
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Understanding Your Auto Warranty

Understanding Your Auto Warranty

The auto warranty is something everyone thinks about when they are purchasing a car, but few of these people realize that they need to think about it after that as well. You go into a dealership, which convinces you to purchase an auto that is perfect for you. What seals the deal, in many cases, is the fact that the auto has an auto warranty on it. You think that they could not or would not offer a warranty on a product that wasn’t up to standards. So, you purchase your car and get your auto warranty.

Regardless of the car, the make or model number, you simply shove that auto warranty into the glove box and call it done. But, what you need to do is to know what is covered on that warranty, what you need to do to get those services, and what you need to do to keep that warranty up to date.

Getting the information that you need to make a decision about your auto warranty is also important. For many people, they may not even realize that they should read the thing! You would be surprised at what is and isn’t covered in that warranty. If you have one and you haven’t read it, dig it out and get going.

What you will want to know first of all is what things it cover. Does the auto warranty cover things such as parts and oil changes? Does it cover the tires, brakes and the body work?

Now that you know that, do you know what to do to get the services that it covers? Read on. Learn where you will need to go to get these services, if there will be any fee and what happens if you don’t go to the right location.

Lastly, you also want to know about the auto warranty expiration date if there is one. In some cases, you may actually be able to increase that amount of time by purchasing a warranty extension. The auto warranty can offer many things after all.

By: Matthew Noel
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Examining The Drawbacks Of Bankruptcy

Examining The Drawbacks Of Bankruptcy

In the past, consumers with too much unsecured loan debt – usually credit card debt – relied on bankruptcy to shed this indebtedness virtually overnight. The federal bankruptcy court would liquidate all of their assets, which were usually quite negligible, and also absolve their outstanding loan balances. At the end of the process, the debtor was without credit card debt, but in some cases also without a car or home, and always without credit cards that could be used for emergency purposes.

Although it is tempting to look for bankruptcy protection when the calls from creditors are becoming worrisome and the late notices are piling up, there are some distinct drawbacks to filing for bankruptcy. First and foremost, there is still a social stigma attached to bankruptcy, and this may actually bleed through to the workplace, where debtors who relied on bankruptcy protection may be denied employment because of the negative notation in their credit profile.

This negative credit file notation also has the power to prevent the debtor from obtaining another loan, getting a credit card, or even obtaining a mortgage. For about 10 years, the credit rating is damaged and there is no amount of credit repair that can erase this blemish on the credit file. Once the bankruptcy discharge is a few years old, the debtor may once again be offered credit, but it will be at much higher interest rates. The most common form of bankruptcy filing used to be Chapter 7, which temporarily halted foreclosures but made cosigners liable for debts. It is available once every six years to a consumer.

It is noteworthy that while bankruptcy will wipe out a good many unsecured debts, there are some which survive bankruptcy and will continue to haunt the debtor. These include judgments, student loans, income taxes, alimony and child support, and any debts that are considered to have been incurred via fraud. Sometimes the lure of getting rid of credit card debt is so strong that consumers forget to actually total up the amount of debt they are still left with in the end.

Family owned businesses also take a significant hit when bankruptcy is filed. The odds are good that the business will no longer receive the loans needed in the future to remain viable, and while the short term elimination of outstanding debts may be attractive, the long term damage may actually undo any benefits of bankruptcy protection. Since the recent change in bankruptcy legislation, Chapter 13 filings are more plentiful, and they essentially require the repayment of debts over the course of three to five years.

Fortunately there are several other options that could make bankruptcy filings unnecessary and could actually eliminate the need for spending long years repaying the debt. Some actually mimic the Chapter 13 filing option, but do not leave a 10 year blemish on the consumer’s credit profile. Debtors need to educate themselves and also seek advice from reputable credit counseling agencies that can help them to understand the advantages and disadvantages of a bankruptcy filing, while also exploring other options.

By: Lender411

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Awesome Breakfast Recipes For Little Ones

Awesome Breakfast Recipes For Little Ones

Breakfast is an essential part of a healthful lifestyle. Breakfast is especially important for kids. When children help to prepare their own easy breakfast items, they are sure to eat them. These breakfast solutions are easy staples. You and you children will enjoy preparing them together.

Cinnamon-Sprinkled French Toast

2 Large eggs
2 tbsp milk, fat free
1/2 tsp cinnamon
1 tsp soft tub margarine
4 tsp light pancake syrup

Kids: Crack two eggs into flat-bottomed bowl.
Thoroughly whisk in milk and cinnamon.
Dip bread slices, one at a time, into egg mixture in bowl
Make sure you wet both sides with the egg mixture.
Re-dip until all the egg mixture is absorbed into the bread.
Adults: Meanwhile, heat large, non-stick skillet over medium heat.
Add butter.
Place dipped bread slices in skillet.
Cook for 2½-3 minutes per side, or until both sides are golden brown.
Kids: Drizzle the toast with syrup. Serve when warm.

Fruity Granola Yogurt Parfait

1/2 granola
3/4 cup vanilla or plain yogurt
1/2 cup fresh blueberries, raspberries, or sliced strawberries or bananas
You can use frozen if fresh is not available
Adults: Measure out all ingredients to be used.
Provide stemware or clear drinking glass or bowl.
Kids: Layer ingredients any which way you want in a glass, such as half of granola, yogurt, and fruit, then repeat.
Eat with a long spoon

Commercially available granola is often toasted with oil and honey, making it high in calories..

Sticky Carmel Pecan Rolls

1/4 cup fat-free caramel flavored sundae syrup
Cooking spray
1 can refrigerated reduced fat crescent dinner rolls
1/4 cup firmly packed brown sugar
2 tablespoons finely chopped pecans
1/2 teaspoon ground cinnamon
Adults: Preheat over to 375 degrees
Kids: spoon 1-1/2 teaspoon syrup onto each of 8 muffin cups coated
with cooking spray. Set aside
Adult: Unroll dough: separate into 4 rectangles
Kids: Combine brown sugar, pecans and cinnamon
Kids: Sprinkle sugar mixture evenly over each rectangle
Press mixture gently into dough
Kids/Adults: Beginning at 1 long edge, roll into 6 slices.
Pinch ends of dough to seal
Adults: Cut each roll into 6 slices
Kids: Place 3 slices, cut sides down into prepared muffin cups
Bake at 375 for 14 minutes.
Adult: Run knife around edges of cups; invert into a platter

Makes 8 servings Calories 172

Breakfast Pizza Recipe with Strawberries

1 package (10-count size) refrigerated biscuits
1 Orange
1 package (8 ounce size) light cream cheese, softened
5 teaspoons Honey, divided
1/2 liter Basket fresh strawberries, stemmed and halved

Adults: Preheat oven to 400F.
Kids: Stack 2 biscuits
Roll out to a 6-inch circle, 1/8-inch thick.
Place on ungreased baking sheet
Prick all over with fork.
Repeat with remaining biscuits to make 5 circles in all.
Adult: Bake until golden, 6 to 8 minutes; loosen and cool slightly.
Kids: Finely grate peel from orange.
In bowl combine cheese, peel and
3 teaspoons of the honey to blend
set aside.

Juice orange into large bowl.
Add strawberries and the remaining honey

Adults: Increase oven temperature to 425F. Spread biscuits with cheese to within 1/2 inch of edges.
Bake until cheese edges brown lightly.
Top with drained strawberries. Serve warm.

By: Christine Steendahl

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