Archive for the ‘ Financial Services ’ Category

By Danica Reynes

There are a lot of ways you can commemorate your baby’s first Christmas: An angel pendant, a figurine watch, a personalized Christmas plate, a hand or foot printing set or personalized gift set, a personalized Christmas stocking, a special Christmas tree decoration, or a delightful musical snow globe will all be lovely keepsakes.

A baby’s first Christmas is thrilling for the entire family. The birth of a baby is to be cherished and remembered. Personalized gifts allow you to keep those precious times in a tangible form. Here are some wonderful commemorative gifts ideas, both ready-made and personalized baby gifts that you can give for baby’s first Christmas.

Any baby will be delighted with the gift of a snow globe

Musical snow globes are pleasing to baby’s senses. Babies find them attractive and are soothed by the music. Specialty shops carry many snow globes with a Christmas theme. It is also a good idea to write what year your baby received their snow globe on the underside, along with his or her name.

Give an ornament for their Christmas tree

You’ll enjoy placing baby’s first Christmas ornament on the tree as well as subsequent years as time goes by! Many ornaments commemorating baby’s first Christmas are available to choose from. Perhaps you’d be interested in ordering a personalized tree bauble with a miniature Santa or angel inside it, or maybe a Christmas ribbon-bedecked baby rattle. Perhaps you might also try hanging a cute little pair of baby booties complete with a commemorative dedication from you, indicating the year of the first Christmas celebration.

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Design and make a gift set of your own

Personalized baby gifts are another memorable way to create a very unique present for the baby’s first Christmas. Gift sets can be created by combining a number of commemorative photo frames, plush toys and other Christmas themed items. Wrap it in a basket and bring out the creativity in you to make your gift more special.

Have the baby’s name embroidered on a Christmas stocking

Christmas stockings have tradition stamped all over them, and even babyhood isn’t too soon to get started. You may make your own Christmas stocking, or order an embroidered stocking with the baby’s name and year of the first Christmas. When making one, make the socks attractive to the baby with ribbons and bells, but do not overdo it.

Either a hand or a foot print is another option to think about.

An imprint of the new baby’s hand or foot would be a creative personalized gift. You can use an ink and mark baby’s print on a shirt for mom, dad, or himself; choose to print it on a piece of watercolor paper and have it framed; make clay hand or foot prints; or purchase hand and foot print casts.

Personalize a Christmas plate.

Another way to memorialize Baby’s first Christmas is through a personalized Christmas plate. Many stores specialize in items for you to customize with your choice of pattern and inscription. You can put this plate on the top of a shelf in your dining area or in your reception area.

Buy a figurine watch.

One other wonderful holiday or Christmastime gift to mark an infant’s first Christmas is a watch including a figurine. If you’re looking for elegant, an angel is perfect. More fun for the youngsters are reindeer, Santa, and snowman designs.

Consider choosing a necklace with an image of an angel.

At last, an elegant and truly unique gift you can give for an infant’s first Christmas: an angel necklace. Your baby will enjoy the pendant during the Christmas holidays for years to come. A beautifully crafted pendant that is cherished and well-kept will likely become a family heirloom.

There are in fact a number of different gifts you can give an infant to help commemorate his or her first Christmas, including personalized apparel like socks, bodysuits and shirts, or more fun things like music box Christmas CDs, Christmas baby books, personalized Christmas blankets or even Christmas-oriented stuffed animals.

About the Author: If you are also interested in different

personalized baby gifts

for any occasion, feel free to also check the baby shower gift shop!

for more gift ideas.


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By Marie Castelle

Competition is tough even in banks and lending institutions which is why no closing cost refinance loans is an enticing promo for customers. This loan scheme seems to convey a better option for those who are in need to refinance their mortgage. No closing cost refinance offers a mortgage program that assures you of no fees or any outright out-of-pocket expenses whenever you refinance your existing mortgage. While this option is present before, it can somehow attract customers to give it a shot.

In this loan transaction, the lender or broker is the one who will shoulder the settlements costs, including fees for processing, underwriting, appraisal, title/escrow and others, hence making possible for the customer to pay nothing as he avails of the refinancing loan. So in this case, while you paid no cost as you avail of the loan, the bank or lender is sure to add the closing costs on top of your loan amount and can expect for higher rates for your amortization.

The truth is the bank or lender will make up for the absence of fees. If you are keen, you will observe that the interest rate will increase and the payment will be adjusted with add-on amount. On the initial look on the offer, it is an advantage especially when you are getting this refinancing loan to reconstruct your debt and you have either no cash to pay-out closing fees, then this loan scheme is a desirable option. You can also save cash and set it aside for other urgent needs.

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For most people who are not well versed in this loaning process and time is tight for them to decide and examine closely their options, then they have no choice but to agree with no closing cost refinance mortgage. Depending also on the term of the loan and the economic situation at the time of availing it, there is a chance also that this can be a better option.

On the other hand, if you made a deal at the wrong time, say for example the inflation rate is high, the interest rate that you will be paying is high as well. And since the closing cost will be accumulated together with the loan amount, you will be paying much and even realizing that the closing cost paid is doubled. People will also tend to agree with the no closing cost refinance mortgage without recognizing their ability to pay for the amortization in the long run.

So before you finally decide on taking up refinancing loans, you should weigh down the pros and cons of your decision. Do not be blinded by mere gimmicks or attractions which will trap you later and instead of getting the right deal, you just have to live with the debt that is twice the burden. Take time to shop around and compare interest rates and other fees. Ask educated advice from experts if you need to be clarified on things. Always contemplate the advantage and disadvantage of availing a no closing cost refinance loan.

About the Author: Marie Castelle is a free lance writer and blogger who loves to educate people in many different topics. She writes on topics about no closing cost refinance, refinancing your home, refinancing home mortgages and many more.


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