Choose Your First Home: 2010 Homebuyer Tax Credits Available

This is a Sponsored Post written by me on behalf of Coldwell Banker. All opinions are 100% mine.

If you’re ready to move out of your apartment or your parent’s home, there isn’t any time better than the present. Right now, first-time homebuyers, or those who haven’t owned in the last three years, can receive up to an $8,000 tax credit.

Beginning to search for your first home is an important step to having the ability to build better finances and to live in a place that’s comfortable. If you’re considering a new home for your family, there are specific things that you’ll want to know before diving in.

Before you even begin to look at homes, make sure that you conduct your own investigation. This will mean that you should find the going rates, how much other owners are paying every month, and what you can or aren’t able to afford. Current homeowners who have lived in a current home consecutively for 5 of the past 8 years can receive up to a $6,500 tax credit when purchasing a home.

You will also want to see what types of houses are going and what they are going for. If you know the basics of what’s available, it’ll be easier for you to get exactly what you want. You should also consider things such as your credit rating and your paycheck. You don’t want to walk into something that is over your head or start to look for something, only to find out that you won’t be able to move in.

Making connections with the right people is important. One of the most important decisions that you can make is to find a real estate agent that you feel comfortable talking to. This will make a difference in the type of deal that you get as well as what type of home and mortgage you end up with. Real estate agents have the ability to do investigations for you and find something that is best for you. You’ll also want to make sure that there are connections with home inspectors and the right lenders. Without the right people set in place, you might encounter problems getting the best deal on your new home.

After you begin to look around with your real estate agent, be sure that you begin to understand the terms that are being given to you. Loan terms, terms about the market, and other real estate ‘jargon’ will oftentimes be mentioned. If you don’t know what something is, ask, research it, or check with someone who’s been through the process before. Getting into a first home is a tremendous step up from an apartment, making it important that you understand excactly what it is that you’re getting involved in.

Keep the following in mind to not miss out on 2010 Homebuyer Tax Credits.

Future extensions may not be availabe, so all qualified homebuyers are urged to act and have a written, binding contract by April 30, 2010, and must have a closing by June 30, 2010.

The income limits for singles is now $125,000, while for married couples it is $225,000 with a $20,000 phase-out of the credit for both.

While searching for a new home can be fun, it’s also a challenge.

Copyright 2010 Moomette’s Magnificents – All Rights Reserved

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Checklist: Prepare Your Home For an Elderly Parent

Sandwich Generation

It’s a fact, as we get older so do our parents, and along with our aging parents can come some problems. I recently did a book review on siblings and caring for aging parents. More and more Baby Boomers are facing tough choices with our aging parents regarding their living arrangements.  Some adult children choose to send our parent(s) to a nursing home or assisted living facility where they’ll get around the clock care; others decide to hire help that can come to the parents’ home; while still others may decide to bring the parent to live with them.

My independent grandmother lived alone in senior citizen housing until she was 95.  As her conservator, I arranged for her to have certain medical alert systems in place.  For example, a service checked in on her every day by phone.  My grandmother also  had a medical alert button that she wore around her neck in the event she fell.

Alternatively, my late mother-in-law lived for many years with my husband’s sister.  As mom grew older, adaptations were made in the house so that she could remain ambulatory.

If you’re considering tucking your parent under your own roof, and that parent is disabled, there’s many things you need to do to prepare your home for their safety.  This isn’t an exhaustive list, but rather a starting point in helping you figure out just what you need to do in order to make your home ready.

With a clipboard in hand, take a tour of your house from the front entrance to all interior spaces and take notes.

Entrance -
Check to see if the walkway is even for ease of walking, that the steps are not too steep, and that the handrail is adequate.  Does the door open easily and is the whole area well lit?  If your parent is in a wheelchair, the walkway needs to be wide enough to accommodate it and you may need to install a ramp.

Kitchen -
Take a look at the electrical outlets and make sure there are several within easy reach.  Keep dishes and utensils within easy reach too.  Pull-out shelves in the bottom cabinetry make for easier access.  Buy small appliances that are made for people with arthritis as they are easier to use.  Are all the bigger appliances accessible?  Can your parent reach the microwave and the controls on the oven?  A fire extinguisher is a must for the kitchen, whether your parent is living with you or not.

Bath -
Make sure your water heater is not set too high as this could cause potential scalding. A single lever faucet may be a better choice to allow them control over the water temperature.  You should install grab bars around the toilet area and shower/tub.  Consider adding a seat in the shower as well.  Put a non-stick surface in the shower/tub and make sure the bathroom flooring won’t get slick and slippery when wet.  Everything they need should be within easy reach.  If your parent is in a wheelchair, create knee space under the sink and insulate the hot water pipe to prevent burns.  Have a nightlight that turns on automatically at night.

Bedroom -
You can install grab bars wherever they are needed.  Consider getting a hospital-type bed if they need some help getting to a sitting position.  Make sure there is adequate lighting and no exposed cords or drapery to trip on. Are the bedroom and closet doors easy to open?  Keep the path to the bathroom well lit and clear of stuff at night.

The decision to have your parent move into your house isn’t an easy one.  Take the time to make your home as accommodating by researching medical alert products and as safe as you can before you lay out the welcome mat.

Copyright 2010 Moomette’s Magnificents – All Rights Reserved

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How Home Staging Can Help Sell Your Home Quicker

Getting Ready to Move

Spring is here and that’s when you’ll start to see all the “For Sale” signs going up around the neighborhood.  Everybody wants to get the kids settled into a new home before the start of the next school year.  My daughter and charming son-in-law had their house on the market for 7 months last year, but decided to take it off, stay where they are and do some home remodeling, and are considering adding vinyl siding and a new deck.

In today’s buyer’s market, Home Staging is often done when you sell your home. Staging a home can command a much higher selling price. A home staging professional can be hired to tour your home and direct you to make the changes that will increase your home’s marketability. Make sure the stager you hire is accredited.

Staging a home is not redecorating it, or improving it by adding replacement windows. Redecorating a home focuses on the seller and their personality. Staging focuses on the buyer. It provides the current home owner with the knowledge to rearrange the furnishings, pictures, accessories, etc. in the best possible manner to enhance the rooms function, appearance and balance.

The seller of a home has a strong emotional attachment and often times lacks the objectivity to know what’s best to enhance their homes looks.

In the high-end market, real estate agents will often hire a stager as part of the selling package because they may be uncomfortable disclosing to the seller that their home needs work and avoid upsetting them.

The main purpose of the staging professional is to help the buyer see themselves and their belongings fit into the home they are viewing. They do this by rearranging the home to appeal to a broad base of purchasers. Stagers can be expensive, so if you want to go it alone please follow the tips below.

The first and most important consideration to prepare your home for sale is to unclutter. Clutter shouldn’t be present anywhere in your home. Go through each room and remove any clutter you see.  Hold a family swap yard sale! Organize toys in decorative boxes that are hidden away in a storage room.  You can always take them out again when you don’t have any booked showings (or send them to grandmom’s house temporarily). Bookcases should be tidy and attractively interspersed with a few decorative curios. Closets should be cleaned out so that only clothes are visible. Remove storage at top and bottom of closets. Out-of-season clothing can be placed in storage.You have to move anyway and you’ll have less to pack when you do move!

Usually the foyer will provide the buyer with the first impression. It should be clean, uncluttered, bright and inviting. If any rooms are dull brighten them up with higher wattage bulbs in lamps. Remove any personal photos from all rooms if possible and replace with prints. The buyer will want to envision the home as “theirs.”

A fresh coat of paint is mandatory. Paint your home in a neutral color (white or beige is recommended).  You can add a splash of color by using pillows,  accessories, pillows, candles or throw rugs.

Bathrooms should be sparkling! Counters should be clear with no personal items visible. Tub tile grout should be clean and shower curtains or glass shower doors should be free of mildew. Hang fluffy, colorful towels on the towel rods.

Kitchens must be spotless. Remove all precious kiddie drawings, notes, magnets, etc. off the front of the refrigerator. Keep counter space clean and clear of all items. Clean out under sinks and organize your pantry. Paint outdated cupboards with a neutral color and put new inexpensive modern knobs on doors for a fresh look. Dishes on the floor for pet food should be eliminated during a showing.

Highlight your most attractive piece of furniture by placing on the wall you see when you enter a room if possible. Tuck away Cd’s, videos, etc. Hang pictures at eye level. Group accessories in odd numbers.  Place a flower arrangement or mantle clock above the fireplace.

Clean those garages, front and backyards.  Placing a potted flower pot on the doorstep or planting flowers in bloom or shrubs in the yard for a welcoming effect will improve curb appeal.  Prune any shrubs you may already have. Don’t leave bikes or toys around the yard. If you have a pool, clean it. The lawn should be cut and watered to give the home a well cared for look. A coat of paint on the outside of the house may also be in order.

If you can afford a stager it is well worth the money. If not, just make sure you clean and unclutter! A spring cleaning will definitely pay off.

Copyright 2010 Moomette’s Magnificents – All Rights Reserved

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Baby Everywhere: A Book and a Bag Review and Giveaway

A Caring Gift

Baby Safety

You could call me “Antique Roadshow.” As a grandmom, I often still find myself carrying around a diaper bag for Slugger, who’s going on two.  A diaper bag is one of those essentials most grandmoms or moms would be lost without.

I received A Book and A Bag from Baby-Everywhere to try out.
When you want to take an excursion out of your home with a small baby, there’s no telling what you might need. A good diaper bag can hold everything you might need including baby wipes, diapers, diaper ointment, baby powder, clothing, bottles, food, just about anything else you might possibly need while out and about with your baby.

A Book and a Bag is a wide tote that can be used by moms, grandmoms, nanny, daycare providers or babysitters.  Also an organizer, there’s a place for keys, cell phones, wallet as well as baby’s necessities. It includes a Safe Baby Organizer – a 50-page loose-leaf book (4″x7″), containing expert advice on how to prevent injuries and handle an emergency, should one occur, which fits into an outside pocket – available in English or Spanish. Colored tabs divide the sections.

Since the most important item in a diaper bag is diapers, A Book and A Bag also contains a changing pad! In fact, anything that you need to use on a daily basis can go into this tote.   Since all the “stuff” in your diaper bag can make it really heavy so if you’re going to have to be carrying it for a long distance, it has two sturdy handles that you can easily put over your shoulder.

This tote comes in either marine blue, or fire engine red – colors that even dad or grandpa wouldn’t mind carrying around!

• Recommended by the American Academy of Emergency Medicine

• iParentingMediaAward.com voted the Safe Baby Tote one of the most outstanding safety products of the year

At Baby-Everywhere, you can find diaper bags and grandmother bags that vary from basic, to trendy …

… beautiful, affordably-priced products that can be used anywhere the baby is – at home, in a car, with the babysitter and at grandma’s home.

Baby-Everywhere is offering readers of Moomette’s Magnificents a $5.00 discount promo code at checkout on these bags.

Use Code: 2442

For More Information Visit: Baby Everywhere

Moomette’s Magnificents  is hosting a Giveaway Contest! For a chance to win, there will be one (1) winner of the Baby-Everywhere Information Station. Designed to hang on the refrigerator door, a babysitter has everything –phone numbers, reminders — all in one place, and doesn’t have to run through the house looking for little pieces of paper left by the baby’s mother! Parent Tested and Parent Approved recently voted the Information Station a winning product.

Please include a way of contacting you. Should you be the contest winner, this information may be shared with the contest sponsor in order to send your prize.

Main Rule:   (remember if this rule is not followed then no others will count)
a) Sign up for my free Newsletter Updates to my blog through my e-mail Feedblitz link (on the top of my right column or let me know if you already are, in a separate comment) AND

b) Visit Baby-Everywhere and leave a comment about what you like best about their site and another product you’d like to try.

This contest will run until March 22, 2010 at 11:00 pm. EST

For Additional Entries, check out my Contest Entry Rules.

Copyright 2010 Moomette’s Magnificents – All Rights Reserved

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Martina McBride: Shine All Night Tour-Discount Promo Code

Hit the REWIND Button

Country Music Star Martina McBride is a working mom who’s always juggling the demands of home and a successful career that takes her out on the road

Like most working moms, McBride has learned to prioritize work life and motherhood. She’s currently on the road with her SunnyD Shine All Night Tour.

Whether in my car driving doing errands, working, or relaxing around the house, I usually have the radio tuned to Country 92.5 FM. I’ve become a fan of Martina McBride and Country Music and joined the bandwagon a bit later in life – but I find the music relaxing.  And besides, I can understand the words to the songs.

As any mom or grandmom knows, even the most well thought-out plans don’t always pan out.

In this fun new video, Martina  has every woman’s fantasy: a REWIND button she uses to make her day turn out a little more like she’d like it!

I’m excited that Martina McBride will be touring in concert in Uncasville, Connecticut at the Mohegan Sun Arena in March, and would really enjoy seeing the show.

If  you’d like to see her in the SunnyD Shine All Night Tour, you can get a discount of $5.00 off of your tickets!

Just go to Shine All Night Tour, find your closest show and when you are checking out, enter the code “MOMS” (without the quotation marks) to get your promotional discount.

MARTINA’S SITE: Martina McBride

TICKETS

MARTINA on TWITTER

TOUR TWITTER

Copyright 2010 Moomette’s Magnificents – All Rights Reserved

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Organic Batter Blaster: Making Breakfast Easy With Kids

Keep Cooking Simple

Cooking Teaches Kids Life Skills

Many families never plan menus. They go to the grocery store with no idea in mind or what it is they want to buy. Is it any wonder that there’s often nothing in the house to eat?

Menu planning isn’t a difficult task. It seems to take a lot of valuable time, but in the end it actually saves time in unnecessary trips to the store, and the nightly indecision of what the kids are going to have for breakfast in the morning.

When my kids were little, their favorite breakfast before heading out to school was chocolate chip pancakes and waffles.  I didn’t mind making them when I worked part-time.  I worked out of the home 3 days per week until they got older; so it was easy for me to do.

But on those days when I did have to rush out the door, I felt guilty about not making their favorite breakfast food, as preparation time is required.

I like to try something new occasionally, and my husband, who likes to poke through grocery stores,  brought home Organic Batter Blaster Pancake Mix!

On the days that I have to babysit ‘Lil Moomette and her brother, I can easily make pancakes for the grandkids and know that they’re starting off the day with a good breakfast! We pressed a few chocolate chips into the batter as it was cooking in the pan, and presto! It tasted just as good as if made from scratch!

Kids love to help when it comes to cooking. Getting them involved early is a good way for them to learn responsibility and a skill they can use in life.

Cooking with kids can also be a time of bonding for child and parent. Kids can help in various ways; age appropriate tasks are best. Your younger children can just point and blast the pancake mix into the pan!

Showing kids simple things they can do will make them feel important. It’s a way of having fun with your children, and the fun thing about cooking with your kids is that they’re learning a new skill, they just don’t realize it!

Cooking with your kids and as a family is a great way to connect with your children. Keeping them involved in activities such as finding new recipes and cooking lets them know you think they’re special.

Organic Batter Blaster has been featured on the Food Network and CBS, and is available in BJ’s and local grocery stores.

For More Information Visit: Batter Blaster

Note:  This is not a compensated post.

Copyright 2010 Moomette’s Magnificents – All Rights Reserved

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Bean Appetit: Childrens Cookbook Review and Giveaway

Hip and Healthy Ways to Have Fun with Food

Bring Kookiness to the Kitchen

As any grandmom knows, kids learn through emulation – watching and imitating the actions of others.  That’s why it’s a good thing to always strive to be a good example.

For me, I learned to cook by watching my mom and aunts who passed down many of the traditional Polish recipes that I learned to love as a child.  I’ve since passed down those traditions to my own girls.

Recently I had the opportunity to review a new cookbook – Bean Appetit:  Hip and Healthy Ways to Have Fun with Food (Andrews McMeel Publishing) which was recently featured on Martha Stewart Radio.

The authors, Shannon Payette Seip and Kelly Parthen are co-owners of  Bean Sprouts Café and Cooking School.  They offer cooking classes for toddlers and grade school children.  The school lets the kids have fun with food while exploring new ingredients.  The authors are also currently developing a kids’ cooking show.

Bean Sprouts, a hip and healthy kids’ cafe, opened to much anticipation near Madison, WI in 2007. Bean Sprouts has drawn great media attention for providing a place for families that is both healthy and fun. Under the guidance of a child nutritionist, Bean Sprouts built its menu with the help and enthusiasm of Gale Gand–renowned chef, author, and Food Network star, who believes in Bean Sprouts’ mission.

One of my favorite chapters in the book was the breakfast chapter.  The meal that both of my grandkids, ‘Lil Moomette and Slugger, enjoy best is breakfast.  Soon they’ll be spending their first overnight with my husband and I, so I paid particular attention to finding recipes that would start their day off right!

Pancakes is a favorite of both grandkids, and “Stick Stacks” incorporates yummy fruit and skewers in an eye-appealing manner.

A great rule of thumb when it comes to cooking with children is keep it simple silly. Foremost, most children have relatively short attention spans. While they want to learn and help mommy out, they also don’t want to have enough time to get bored with the details. Use simple recipes when cooking with children and your chances for success will be much greater than with overly complicated or ingredient intense recipes.

The book is full of whimsical presentations, as well as food-themed games, crafts and activities.

Bean Appetit would like you to help them taste-test some recipes.  You can test online recipes for Bean-GO (a healthy twist on Bingo that gets kids to try to new tastes) found in the book. Feedback Form

Visit on Facebook

Moomette’s Magnificents  is hosting a Giveaway Contest! For a chance to win, there will be one (1) winner of the book, Bean Appetit.

Please include a way of contacting you. Should you be the contest winner, this information may be shared with the contest sponsor in order to send your prize.

Main Rule:   (remember if this rule is not followed then no others will count)
a) Sign up for my free Newsletter Updates to my blog through my e-mail Feedblitz link (on the top of my right column or let me know if you already are, in a separate comment) AND

b) Visit Bean Sprouts and leave a comment about what you like best about their site and why you’d like to win this book.

This contest will run until March 15, 2010 at 11:00 pm. EST

For Additional Entries, check out my Contest Entry Rules.

Copyright 2010 Moomette’s Magnificents – All Rights Reserved

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Vermont Snow Covered Mountains: Wordless Wednesday

Green Mountains

Before I met my son-in-law, I think I’d only been up to Vermont once to go skiing when I was in high school.  My husband and I would travel up Interstate 91 to go to New Hampshire for vacations, but we never really left the highway to see this beautiful state.

My oldest daughter’s husband is a Vermonter.  I’m so excited that I can now experience the beauty of the Green Mountain state’s four seasons through the eyes of locals, and not as a tourist!  My daughter’s in-laws know all the back roads with magnificent views!

This photo was taken on our way to a birthday party outside Montpelier, Vermont’s capitol.  My charming son-in-law’s cousins live atop this spectacular mountain!  The view will take your breath away!

Don’t forget to sign the Linky!

Copyright 2010 Moomette’s Magnificents – All Rights Reserved

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They’re Your Parents, Too! Caring For Aging Parents: Book Review & Giveaway

Sibling Rumble

How Sibilings Can Survive Their Parents’ Aging Without Driving Each Other Crazy

By 2030, there will be a record 71 million Americans aged 65 and older and the majority will need some sort of long-term care, according to The U.S. Department of Health and Human Services.

Several years ago I considered myself a member of what was referred to as the “sandwich generation.” Esteemed members are those who are parents of young children, yet are facing the responsibility of being caretakers for their aging parents. 

In my case, I became the caretaker of my elderly grandmother, who lived to be 101.  Yes, I come from a family with very strong genes.  My grandmother, born in 1901,  was the oldest of 9 children, and just about outlived them all.

My grandmother, who never spent a day in the hospital in her life, was quite independent, living alone in a senior citizen apartment until she was 95.  A good life, and natural aging caught up with her, and I had to apply to the probate court for conservatorship. Eventually she was admitted to a convalescent home nearby.

I recently had the opportunity to review an informative book by Francine Russo, “They’re Your Parents, Too! How Siblings Can Survive Their Parents’ Aging Without Driving Each Other Crazy” (Bantam Books, New York)

Francine Russo is a widely recognized journalist known for her alertness to developing trends, especially in her own boomer generation.  For nearly a decade Russo covered the boomer beat for Time magazine.  She brings a rich personal history to her writing as a daughter, sister, wife, widow, mother of two, and stepmother of three.  She has a Ph.D in English and lives in Manhattan.

In the book, Russo draws on her own experiences as well as those of dozens of families, healthcare works and assisted living experts to get to the heart of the matter:  what it costs – financially, physically and emotionally – to become your parents’ caregiver.

My daughter is currently a Marketing Director for an assisted living facility here in Connecticut and deals on a daily basis with the tribulations of adult children making life-altering decisions such as those described by Russo. Always close to her great-grandmother, as a teen she was quite aware of the tremendous pressure I was under.  I think this experience has aided in her success as a Director of the facility.

In the book, Russo addresses:

• Communicating more constructively to escape the “anger/built gridlock”

• How to reach consensus when siblings disagree about their parents needs:  overcoming denial and “distrusting the messanger.”

• How sibilings can be in it “together,” even long-distance, when one is doing almost all of the caregiving.

My brother lives out of state and caught up in his own career.  Although we consulted on what course of treatment was best for my grandmother, the bulk of the  responsibility fell on me –  a parent of two teenagers at the time, who also worked full-time.

Caring for dependent elderly parents or grandparents can be one of the most isolating experiences most people ever have to face. Becoming a carer can sometimes be rewarding, but it’s hardly ever easy. It can be a very lonely life, and friends can start to disappear when you’re not so readily available for evenings out, etc. Even those who stay the course can find it hard to listen to the things you feel the need to talk about, and you’re likely to find their conversation very trivial compared to what you’re dealing with.

The author touches on topics that siblings of aging parents need to know that it’s essential that primary caregivers get some time off. This is absolutely vital, and not likely to be offered unless you make a point of saying that you need it. It’s no reflection on your abilities as a carer, or your love for the person that you’re caring for, but you need to take at least some care of yourself if you’re going to take effective care of anybody else.

Caring for someone can very tiring, both physically and emotionally, so you need to be able to recharge your batteries as often as you can, in order to avoid falling victim to depression yourself.

You have a life, as well, and the right to some enjoyment.

The author further discusses opportunities for reconciliation even when sibiling tensions still simmer after parents die, while reinventing the family and sustaining the family connection into the future.

I highly recommend this book, and suggest that if you’re currently in a position with aging relatives, to read it and circulate it to your family members.  Oftentimes it’s easier to make a subliminal point rather than have a face-to-face confrontation over responsibilities.

I’m going to make certain that my own adult children read it.

ISBN: 978-0-553-80699-1
Pages: 286
MSRP: $26

Moomette’s Magnificents  is hosting a Giveaway Contest! For a chance to win, there will be one (1) winner of the book DO IT OR AGE QUICKLY: 60-Second Practices to Live Better, Stronger, and Longer by personal wellness trainer and martial artist JB Berns.

Please include a way of contacting you. Should you be the contest winner, this information may be shared with the contest sponsor in order to send your prize.

Main Rule:   (remember if this rule is not followed then no others will count)
a) Sign up for my free Newsletter Updates to my blog through my e-mail Feedblitz link (on the top of my right column or let me know if you already are, in a separate comment) AND

b) Share whether you or someone you know will be or has ever experienced the responsibility of caring for aging relatives and how you or they were affected by it.

This contest will run until March 8, 2010 at 11:00 pm.

For Additional Entries, check out my Contest Entry Rules.

Copyright 2010 Moomette’s Magnificents – All Rights Reserved

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Cell Phones and the WAHM

Mommy Brain

As moms and grandmoms, we change hats quite frequently, depending upon “who’s calling us.” And I don’t necessarily mean on the phone.  It’s either the kids, pets, husband, significant other – always somebody wanting our attention.

Cell phones, however, have become a way of life for most of us.

Do we really want to be available for everyone and anyone on a 24/7 basis?  What do I mean?  A famous person once said that the more available you make yourself; the more available everyone will expect you to be. People will actually be annoyed if you aren’t constantly and instantly available at all times.  People expecting you to be available all the time may be annoying.  Cell phone calls follow you everywhere you are including your bathroom.  Even during the evening when you’d like to decompress and relax at day’s end, cell phones may continue to ring and annoy you.  If it’s important – not a problem, however if it’s very menial, why must you be bothered so late in the evening?

Today we live in a modern society and with the proliferation of cell phones we see people talking anywhere and everywhere.  Smart phones are essential if you run a work-at-home mom business, and this may actually prove to be very effective if you’re running in and out of the house during the day.  It’s great to be able to keep in touch with not only the kids and family, but your business associates  when you need to.

Cell phones have become a necessity nowadays, that’s why most people use them. My youngest daughter and I share a “family-plan” on the Verizon network. She has a new Blackberry that she recently upgraded to, and I’ll be getting one on my next upgrade “New Every Two” plan. Cell phone manufacturers have continuously developed different usage and functions for this very small gadget – alarms and calendars help us to effectively manage our time.

Follow certain degrees of cell phone etiquette though; and this tool will be very helpful to you, your family and work-at-home mom business.

Verizon and JuiceBoxJungle sponsored me to write this post, and they asked me to talk about the ways my smart phone affects my life as a parent.

Related Articles:

• Chili’s Grill and Bar: Shout Out to Eat Contest
• Checklist: Prepare Your Home For an Elderly Parent
• How Home Staging Can Help Sell Your Home Quicker
• In Home Spa Treatment: Pamper Yourself

Copyright 2010 Moomette’s Magnificents – All Rights Reserved

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Tags: 2010 Homebuyer Credit, business, family, finance, first-time homebuyer, house, money, mortgage, real estate, real estate agent, tax credit

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