Sunday, December 14, 2008

Car Insurance Safety First Child Restraints

September 2006 will see the introduction of new laws regarding child restraints in cars.

Current laws state: -

? Children aged three to 11 (inclusive) and less than 150cm tall are permitted to travel in an adult seat belt if no child restraint is fitted.

New legislation says: -

? Children aged three to 11 and under 135cm have to be seated in child seat or booster (designed to be used with an adult belt), suitable for their age and weight.

Children taller than 135cm (4ft 5ins) or aged 12 or over must wear an adult seat belt where one is fitted.

The driver is responsible for ensuring these rules are complied with until the child reaches the age of 14, when they must take responsibility for their own safety.

The Department of Transport believes that, by making sure that children are securely restrained and not allowed to use adult seatbelts until they are sufficiently tall for them to work in the proper manner, 2,000 child injuries and deaths will be prevented.

The penalty for failing to comply with these regulations will be a fixed penalty fine of ?30 or, if the case proceeds to court, a fine of up to a maximum of ?500.

Exceptions will be allowed in emergencies, cars without seatbelts, and when children are passengers in taxis.

Information on child-seat safety can be obtained from the Child Accident Prevention Trust, http://www.capt.org.uk or from the government?s website http://www.thinkroadsafety.gov.uk there?s a question and answer section on government website which is very comprehensive and seems to answer every question you could think of.

There?s a good choice of car seats available, and you should always ensure that they are made to conform to the European Union safety standards. For a young child it?s probably worth investing in a seat that can be adjusted as your child grows.

For an idea of what you?d have to pay for a seat that would take your child from 9 months to 12 years, the Recaro Start seat can be bought for around ?200.

There?s the Evolva 23 seat, from Britax, which is adjustable and suitable for children weighing from15kg to 36kg and up to 135cm (4ft 5ins). The back of the seat can be extended as the child grows, so that the head is always supported. This costs around ?65.

For a baby of up to 9 months, or around 13kg, a rear facing approved car seat is acceptable, fitted on either the front passenger seat or in the back of the car. It must no be used in the front if an airbag is fitted.

It?s extremely important that the seat is fitted properly, and many suppliers offer a fitting service. Do remember that it?s important that before you have the seat fitted; make sure it fits your child.

The 18 September is the date that the Department of Transport is aiming for, so remember, after this date you need to comply with the new rules.

These laws are to be taken seriously. Parents and regular carers are not the only ones who need to be ?car seat ready?. You may occasionally take your, say 9 year old, grandchild out with you. The big difference there is that, prior to September 18; no special steps had to be taken. After this date you?ll need to equip yourself with a seat or booster.

If you are in the unfortunate position of being involved in an accident, and if your child or children are not travelling in an approved car seat or booster, your insurance may not be willing to pay out, resulting in what could be a considerable personal claim against the driver, whose responsibility it is.

Parents and (even occasional) carers please take note.


About the Author:

Car Insurance mart is a large website that offers uk residents Motor insurance.




Saturday, December 13, 2008

Baby Furniture Buyers Guide

Baby furniture is one of the most popular types of gifts given at a baby shower. Gift shopping for nursery furniture can be made easier if the new parents have a gift registry at some popular stores in your area. However, this is often not the case. Be sure to always enclose a gift receipt with your gift so it can be returned if the new parents get duplicates.

Baby furniture is one of the most popular types of gifts given at a baby shower. Gift shopping for nursery furniture can be made easier if the new parents have a gift registry at some popular stores in your area. However, this is often not the case. Be sure to always enclose a gift receipt with your gift so it can be returned if the new parents get duplicates.

Communication between the guests would be wise to prevent any duplicate gifts. The guests could also choose to get together on something more expensive such as a piece of nursery furniture. The parents need items that will hold up well for their newborn, so check to make certain the item you choose is sturdy and built for safety.

Purchasing an expensive gift such as a piece of furniture for the nursery would help the new parents tremendously as they are probably strapped for cash at this point. What with the pre-natel care and the upcoming hospital and doctor expenses that come with any childbirth.

Baby Cribs

Cribs will be the most important piece of furniture the new parent will need for the baby. They come in a wide variety of styles and finishes to match any nursery theme or color scheme the parents might have for the nursery. They come as standard cribs, canopy, convertible, sleigh and various other types. Some of the more common features available would be adjustable mattress heights, metal mattress supports, one of three different kinds of release mechanism, rolling casters and/or a teething rail. A baby can use the crib from birth until around the age of 3. A safe and sturdy crib will cost from $150 to over $1000 depending on the quality of the wood and the features provided.

Crib Mattresses

A crib mattress is a very important item for the baby as she/he will be spending over 50% of his time on the mattress until he/she is around 3 years of age. Mattresses come in basically two types: foam or innerspring/coil. Foam weighs less while the innerspring/coil will last a much longer time. Accessories include bedding, crib sheets, crib wedges and waterproof mattress pads. High quality foam mattresses will cost between $80 to $100, while an innerspring/coil mattress will cost from $75 to $200.

Bedding-Bumpers-Sheets-Quilts-Shams

Most standard, canopy and convertible cribs will use standard size crib bedding. A round crib, porta crib, cradle and bassinet will all need special bedding to fit the size of the particular item. A bumper is a necessary item that is needed to keep the baby safe by keeping the baby's arms and legs from getting stuck in the slats. A quilt or comforter should not be used in the crib, but rather as a play mat for the baby. A diaper stacker is used to store your diapers and to keep the nursery more organized. Pillows are a safety hazard for the baby and should never be used in the crib. Most bedding sets can cost from $50 to as high as $700 for a set with better quality fabrics etc.

Changing Tables

A changing table should be well padded, have guardrails and include safety straps for the baby. They come in several types such as the combination sytle, dresser drawer and one with open shelves. Accessories include changing pads, oraganizers and wipe warmers. A changing table can be used from birth until about two years of age. They range in price from $90 to $200 depending on the accessories and storage space they have.

Rocking Chairs

A rocking chair would be a welcome addition to the baby nursery or living room. The rocking chair would give the mom-to-be lots of quality time with her newborn baby.

Moses Baskets

Moses baskets are a rather unique piece of furniture. A moses basket would be an unexpected but welcome baby shower gift. Also something the mother could pass on for a heirloom. This is an item that could be passed from generation to generation.

Child's Rocking Chair

A children's rocking chair would make a great gift. One that most people wouldn't think of giving. You wouldn't need to worry about duplicating your gift with some other guest with this gift.

Playpen & Play Yard

Play yards come in 3 different types. The basic which can be used as a playpen or a crib. One that has a bassinet built in for the newborn. A canopy style to keep you infant shielded from the sun and to keep in cooler in the outdoors. Accessories you can purchase seperately include a changing station, netting for outdoor use and sheets. A play yard can be used from birth until about 2 years of age. Good quality play yards cost between $60 to more than $200.

Portable Travel Crib

A portable travel crib would be great for those over-night trips out of town or state to family or friends.

Cradles

A cradle is used from birth until 4 months or the baby is able to roll from side to side. Cradles usually include a padded bumper, fitted sheet and a quilt or comforter. One of the advantages of a cradle is that you can rock it and it is lower than a crib.

Baby Dresser

Every nursery needs a chest of drawers for the newborn. You can buy them with a theme, in different styles, shapes and colors. If you know how the new parents will be decorating the nursery, you can match the baby dresser to the theme.


High Chair

All new parents need this very essential piece of furniture. There are several types of high chairs: Adjustable, conventional, booster and wooden. The high chair should have an adjustable tray, locking mechanism, some kind of restraint system and possibly rolling casters which are allowed to be locked easily. Parents can use the high chair as soon as the baby is born for bottle feeding if it is capable of fully reclining.

Bassinets

A traditional piece of nursery furniture would be a bassinet. The baby can use the bassinet from birth until about 4 month of age. Bassinet sets usually include a hood cover, fitted sheet, plain sheet and a bumper.

Car Seats

A car seat is a necessity because every state requires the baby be restrained while in a car. Newborns must travel in the back seat in a car seat that faces the rear of the car. After the baby is a year old you change to a forward facing car seat. Car seats come in several different types. An infant car seat, convertible and booster seats. Infant and convertible car seats cost between $60 and $300.

Strollers

Strollers come as a standard stroller, single, umbrella, double strooler or as a travel system which is a combination stroller and car seat. Most strollers have a canopy, front bar, harness, reliner and a storage space. Accessories available include accessory bars, attachable toy and activity bars, infant headrests, rain sheilds and stroller connectors for attaching two strollers together. A stroller can be used from around 4 months of age until about 3 or 4 years old. Depending on the style and quality strollers can be purchased for as little as $15 to as much as $1,000.

Baby Monitor

A monitor may be a luxery item, but it can give the parents added reassurance that their baby is safe. There are several types: audio, audio/movement and audio/video monitors. Monitors can be used from newborn to toddler. Depending on the type of monitor, you can buy them for as little as $20 on up to $400, with the audio/video monitor being the most expensive.

Bouncer Seat

A very useful item is a bouncer seat. They can come with an accessory toy bar, canopy, restraint and variable speeds. A bouncer seat can be used from newborn until the baby is 9 months old. The standard non-battery operated bouncer seats cost between $40 and $75 while the battery operated seats tend to cost a bit more.

Copyright Randy Wilson, All Rights Reserved.

ABOUT THE AUTHOR
Randy is owner of Profitable Home Businesses, How to Plan a Baby Shower and Las Vegas Weddings.


Friday, December 12, 2008

It's The Baby Event Of The Year Here Are Some Thoughtful Baby Gift Ideas

When you are getting ready to attend a baby shower you need to have some good baby gifts in mind for the mother to be. Here are a few that you may not have even considered.






Baby gifts are a fun way to celebrate the arrival of a new baby.? Just finding out that a loved one is expecting a baby can make you incredibly excited.? You spend months waiting for the special bundle of joy, but if you have ever had a baby you know how much stuff is required to raise a baby.? Thankfully you can celebrate the new baby with a baby gift that is useful and cute.? Some favorite baby gifts are classified as baby care, clothing, furniture, and toys.


Baby care items can include such items as bottles, pacifiers, diaper cream, baby wash, baby powder, and baby lotion as well as diapers, wipes, towels, bathtubs, diaper pails, receiving blankets, crib sheets, blankets, mattress pads, and washcloths.? The wonderful thing about this category of gifts is that many of the items will need to be replenished so duplicate gifts are still gratefully welcomed.? The mother-to-be will appreciate these gifts for months to come.??


Another classification of baby gifts is clothing.? This is perhaps the absolute favorite gift to buy.? All baby clothes are cute because they are so tiny.? It is important to have a fair amount of clothing as most babies have at least a little spitting up and tend to get the clothes wet.? This gift generally elicits the most oohs and aahs in any gathering.?? Some clothing items include onesies or gowns, socks, shoes, shirts, shorts or skirts, bibs, hats, mittens, rompers, and booties.?


Furniture items are usually more expensive and are generally purchased by a combination of well-wishers.? A few of the basic items are a bassinet, crib, dresser, changing table, car seat, stroller, swing, exersaucer, high chair, and pack and play.? A bassinet is really only useful for the first few months because the baby will be too heavy after that.? A crib and dresser are extremely welcomed but if you are giving a hand-me-down crib make sure it falls within the safety guidelines issued by the federal government.? A car seat is the only baby item that you absolutely need because you cannot leave the hospital without it so this is a wonderful gift.? Many car seats are included in the travel systems ? stroller, car seat, and base.? So if you are giving a car seat you may wish to purchase a convertible car seat rather than an infant car seat.


Toys make great baby gifts and are fun to buy.? Some ideas in this category are play mats, rattles, keys, books, and stuffed animals.? Make sure if you are purchasing stuffed animals that they are designed for babies so they will not have parts that can come loose and choke the baby.? Some books that are available for babies are board books, vinyl books, and oisy books (these books crinkle or squeak).? Once again, make sure the books are designed specifically for babies.


The excitement of the anticipation of a new arrival cannot be matched, but every new mother loves to receive useful baby gifts to celebrate her new baby.


Source: Free Articles from ArticlesFactory.com




ABOUT THE AUTHOR


Craig Thornburrow is an acknowledged expert in his field. You can get more free advice on baby gifts and baby blankets at http://www.funkybabygifts.com


Thursday, December 11, 2008

Tucson Arizona Realtor Ten Things They Might Tell You about Selling Your Home

If you are planning on selling your home, a Tucson Arizona Realtor would have some tips to help you sell that home that could make the process much smoother and more enjoyable for you as well as for the buyer. A Tucson Arizona Realtor will know the current selling prices and trends that will help you to sell your home more quickly and for a fair price.

Here are some things that A Tucson Arizona realtor might tell you:

1. For many home buyers love at first sight is real. The way that your home looks when the buyer pulls up in front of it may be the deciding factor in whether they buy it or look someplace else. Keep your yard tidy and uncluttered.

2. ?Make sure that your home smells good,? says the Tucson Arizona Realtor. Cinnamon, pot pourri and lightly scented candles are all pleasant but not overpowering smells that will give the potential buyer a good impression.

3. Paint your walls a neutral color. A Tucson Arizona realtor might say that you need to touch up any trouble spots as well. It is easier for the buyer to envision their things in a neutral colored home.

4. A Tucson Arizona realtor might tell you not to make major upgrades to your home in order to sell it. It may not be worth it when you sell. But, if you do want to upgrade, choose the kitchen or the bath area, because they will bring the biggest return on the investment.

5. Clutter does not sell. If you prefer you can have your home available for showing by appointment only so that you can make sure it is clean.

6. Try to make sure that you have as much open space as possible. Remove any unnecessary furniture or knick knacks. A Tucson Arizona realtor would say that this is also helpful for the buyer to envision what their things will look like in the home.

7. Fix up anything that needs to be fixed. All appliances, lights, door handles, etc. should be in working order for your home to sell with a Tucson Arizona realtor.

8. One thing your realtor will help you to do is how to negotiate a contract, make a counter offer, and other contract issues. You don?t have to do it alone.

9. An offer of a home inspection and/or home warranty can make your home a more appealing buy.

10. Sit back, relax, and let the realtor do their job.

Eriani Doyel writes articles about Real Estate, Home, and Family. To learn more about selling your home with a Tucson Arizona Realtor, visit real-estate-lx.com.

Tuesday, December 9, 2008

Buying Baby Strollers

Nowadays baby strollers have become useful equipment for many parents. Parents spend a lot of time to look for the best baby strollers. But this has become a very difficult task with all the company that are claiming that their strollers are the best in the market. Parents will have to become familiar with all the features that are nowadays present in strollers if they want to make the best possible choice.

Travel Systems

This type of stroller will clearly be important for parents that lead a busy life and will like to find a way to quickly transport baby from the car to the stroller. Travel systems are systems that consist of a stroller and an infant car seat. The advantage of these type of strollers is that they allow parents to quickly transport their infants from the car to the stroller without actually waking the children. The only negative point of these type of strollers is that they are only suited for babies that weight up to 23 pounds and parents will have to look for another stroller once the kid grows older.

Strollers for Older Babies

There are also strollers that are available for older babies. One of them is the classic stroller which consist of a seat that can be reclined. The advantage of these classic strollers is that they allow the children to rest whenever they are tired. There are many features that parents should look for before buying strollers. The main thing is whether it contains security features such as a harness system to ensure the safety of baby while on the road. Other important features when choosing strollers include the type of material used and whether it can be cleaned easily.

Jogging strollers

There are parents that are looking for special strollers such as jogging strollers that will allow them to do some exercise while keeping an eye on their infants. There are nowadays good jogging strollers that are available on the market and that will ensure that baby is safe and comfortable on the road. Features that should be considered when buying jogging strollers are whether the wheels are big enough to go on tough terrain and if the security system will hold baby secure while going off-road.

Strollers have now become an important part of baby supplies and parents will have to take time to choose the best strollers for them. There are so many features and brands that is available and it is very easy for parents to do a mistake while choosing a stroller. Always try to seek information from friends and relatives or from the Internet if you want to buy strollers.

If you would like more information on where to buy Baby Supplies and receive a FREE Newsletter on the subject visit the authors site http://www.babysuppliesrus.com

Article Source: http://EzineArticles.com/?expert=JasonHobbs

By Jason Hobbs

Monday, December 8, 2008

Colorado Mortgage What to Expect When Buying a Home in Colorado

Maybe you?re buying your first home in Colorado, or perhaps you?re relocating to Colorado from another state. Either way, it?s important that you educate yourself on Colorado home loans before shopping for a home and mortgage. This article explains what you?ll need to know before buying a home in Colorado:

The median price of a home in Colorado is $166,600. Recently, homes in Colorado have been appreciating at rates well below the national average. In fact, Colorado is ranked 43rd in the nation in home price appreciation. Therefore, affordability is not a huge concern among Colorado residents.

The price of homes in Colorado varies widely between zip codes. For example, in Denver, Colorado, the median price of a home in the summer of 2005 was $350,000; however, in Colorado Springs, Colorado, the median price of a home was $200,000, and in Boulder, Colorado, it was $300,000. Average interest rates in Colorado are below the national average, and job growth rates are above the national average.

Mortgages in Colorado are regulated by federal and state agencies. Currently, Colorado does not have any anti-predatory lending laws. In Colorado, residents pay property taxes, and mobile home owners pay titled manufactured home taxes.

Jessica Elliott recommends that you visit Mortgage Lenders Plus.com for more information about Colorado Mortgage Rates and Loans .