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When I married my husband, he slept with his arms crossed over his chest. It seemed to me he was protecting his heart; it had been wounded and broken so many times. During his waking hours, he let his guard down. But, when sleeping, he still needed to protect himself, lest some threatening force invade and attack, catching him unawares.

Joe is an early riser. Typically he gets up before I do, quietly slips out of our bedroom, exercises, makes coffee (my favorite just because gift), reads the paper, and then wakes me up. Rarely do I awaken before him. But recently I did. I marveled at how peaceful he looked. He was lying on his side, one hand underneath the pillow, the other just hanging down.

His chest was wide open, not needing his protection because he finally felt safe, open, and welcoming of me. In his sleep, he reached over and wrapped his arms around me. Like two spoons in a drawer, we lay there, side by side, a perfect fit. He let me in and I was part of him, safe, next to his heart.

He’s opened his heart. He trusts I won’t break it.

Next, review your insurance policies. For many people, life insurance is a kind of instant estate; its guaranteed financial protection for your family.

Term life insurance [temporary; bought for a specified period of time, or term] is often purchased by younger people who like the low initial premiums. Remember that premiums for term insurance rise slowly through your thirties and more quickly thereafter. For people in their sixties and beyond, term insurance rates may be out of reach.

Whole-life insurance [permanent; for your “whole life”] rates are about five times higher than for term insurance, but the premiums remain level from the date of issue. Additionally, the whole-life policy acquires a cash value that increases over time.

You may want to look into newer types of life insurance that combine term and whole-life. Such a policy typically will combine at least $10,000 of whole-life upon the head of the household with at least $50,000 of term insurance, all for a single premium. Another innovative policy is adjustable life insurance, which allows the policy-holder to raise or lower the amount of insurance and vary the type of insurance between whole-life and term, as life’s circumstances change.

If you or your spouse is staying home or working part time, that person should also consider buying a term policy that would cover the daycare expenses that would result in case the stay-at-home parent dies.

What about your health insurance? Many companies now offer membership in a health maintenance organization [HMO] as an option to the usual health insurance. You should definitely consider taking advantage of this corporate gift if your company offers it. HMO s are corporations that contract with physicians and hospitals to deliver health care under a prepaid plan. With these plans, employers can offer their workers enhanced benefits at prices comparable to traditional insurance. Joining a HMO can make sense, particularly to a family whose members seem to be running to the doctor’s office every other week. The costs of office visits, prescriptions, vaccinations, diagnostic tests, and hospitalization are often covered by an HMO plan. Keep in mind that you have to use the HMO’s doctors and hospitals, so if you have a doctor that you particularly like, an HMO may not be for you.

A new wrinkle in employer-or insurance-plan-pondered health care is the Preferred Provider Organization [PPO]. As with an HMO, a PPO plan provides discount health care to members, offering co-payment arrangements and other incentives. Typically, members contribute through payroll deductions. As a PPO member, you can choose your physician and hospital from those included in the PPO group. Fees for services are covered one hundred percent. If you wish, you can choose an outside [nonmember] physician or hospital, in which case you will be liable for a percentage of any fees. Obviously, what makes PPOs appealing is that a member can pick his or her caregivers.

Check to see if you have adequate protection through work or Social Security in the event you become disabled. If not, find out if you qualify for auto insurance that provides benefits for disability from traffic accidents, or for special private insurance programs that pay monthly loan or mortgage payments during a disability. There are different definitions of what disabled means; an insurance agent should explain exactly what “disability” means in the policy. The agent should also explain the policy’s “renewability,” or the conditions of extending the policy beyond its expiration date.

The whole point of insurance is to cover the “just in case” situations; you want to be sure your policies are appropriate for a family with young children.

A boon is something to be thankful for, a blessing, or benefit. It may be received in the form of a gift or as something that is asked for or a favor that is sought. In olden times, it refers to a favor given by the nobility to one of a lower status. The member of the nobility or a noble person would grant a boon or gift to another person of lower rank.

This gift giving or granting of a gift or boon lead to a curious saying; "the quality of mercy is unstrained." It means that if you are giving a gift or doing someone a favor then it makes great sense to do so in a way that is not dramatic or strained. It was originally spoken by Portia, in "The Merchant of Venice", written by William Shakespeare in 1596.

Shakespeare actually wrote:

"The quality of mercy is unstrained;It droppeth as the gentle rain from heaven;Upon the place beneath: it is twice blessed;It blesseth him that gives, and him that takes;"Tis mightiest in the mightiest; it becomes;The throned monarch better than his crown;"

What Shakespeare was writing about was the concept of mercy being a good thing. Over time this came to be taken for granted and the term of a ‘quality’ example of ‘mercy’ came into being. Giving a gift that requires a return gift or some future obligation makes the gift giving of a strained nature. When giving boons or granting boons became a popular obligation of the nobility, the granting of them in an unstrained manner makes the person granting the boon nobler than their position or title. The problem with this is that in a Monarchy, your Count votes, while in a Democracy, your vote counts.

This concept of mercy being unstrained was somewhat undermined by the idea of ‘Noblesse Oblige’. "Noblesse oblige" is generally used to imply that with wealth, power, and prestige come social responsibilities. The granting of mercy or boons was considered an obligation of the better off people in society. The term has also been applied to those who are capable of simple acts to help one who is less fortunate.

As an example in the US Marines officers are issued a book called, "The Marine Officer’s Guide", where it states that, "As an officer, you demand a great deal of your men. But they in fact demand much more of you. If you let down one of your Marines, you are letting down the entire Corps. Noblesse oblige is the private motto of every officer of Marines."

The granting of mercy or helping those of us who are less fortunate is becoming the territory of our elected officials. Many of whom would not know what you are talking about when you ask them about a favor or a boon. One of the advantages in a democracy is that if you were to ask one person how much a telephone book weighs, you may get anything from 2 ounces or 56.7 grams to 20 lbs. or 9.07 Kilograms. But if you ask 2000 people you will get an average answer very close to the exact weight.

However when electing public officials or politicians it is useful to note that the weight of a telephone book does not change until the next year, but the public official or politician will change sometimes daily. So predicting whether you will get and accurate judge of a politician when you vote may be more difficult than getting the accurate judge of the weight of a phone book.

The good news is that there is a solution and here is a gift for you. If you can convince the voting regulatory board in your jurisdiction to change the voting regulations, you should be able to get better candidates to run and better more merciful people to be elected. The change is really quite simple. Instead of every eligible voter getting one vote, they would, after the change, get 3 votes. In order for their vote to count, they would have to indicate who they want to finish in first place, who in second place and who in third place.

The person or candidate who gets the first place vote gets 2 points. The person who gets the second place vote gets 1 point and the person who gets the third place vote will get zero points. The person with the most points after the election wins. The interesting thing about this concept, first proposed by a French Mathematician in 1776, is that the candidate with the most second place votes will normally win the election. This means that he or she may not be some of the voter’s most popular person, but they will be all of the voter’s second place choice. It doesn’t take away peoples right to vote, but it does take a way their right to vote without thinking.

As soon as potential candidates realize this they will come out of the woodwork and start running as candidates and then you can see who will be the most merciful and best at granting boons and thus is most deserving of your vote.

Traveling with infants and young children may not be a formidable task, though any trip-even across town-requires common sense, planning, and organization. You must always keep three important factors in mind, the child’s safety, physical comfort, and contentment.

Safety Restraints

Even before the baby’s birth, parents should buy a quality child safety restraint for use in the family car. Several good models are on the market, but each of them must be installed properly to be effective.

Beginning with baby’s first trip home, develop the habit of using the safety restraint each time the child rides in the car regardless of the distance involved. Under no circumstances should any child be allowed to ride "loose"; the lap of an adult passenger is an especially dangerous place for a baby or young child.

Planning Your Trip

When including your baby in major traveling, begin planning for your trip several weeks before departure. Tell your pediatrician about it and ask his advice. A few doctors do restrict infant travel.

If you will be traveling by commercial carrier-plane, train, or bus-ask the ticket agent about infant passengers and special services. One domestic airline, for example, requires a doctor’s written consent before it will transport an infant under seven days old. Most carriers need advance notice to supply children’s meals and provide bassinets for use on route.

Prepare separate lists-the things you will need for the baby during the trip, the things you will want at your destination, the things you might like to have easily accessible [in the trunk of your car, for example, if you’re planning to drive. Then organize your packing according to your lists, using a lightweight carry-along bag for traveling, and a separate suitcase for the rest of the baby’s things.

Gather the necessary items in a single spot so that they will not be forgotten. As you locate and pack each item, check it off the appropriate list and take the list with you-they perform admirably for the return trip too.

What to Pack

What you take with you is mostly a matter of common sense; it depends primarily on the age of your child and your mode of transportation.

Formula can be refrigerated in insulated coolers packed with ice, although commercial carriers frequently have refrigerator space for a bottle or two. If necessary, you can warm bottles under a hot water faucet.

Traveling is infinitely easier since the advent of disposable diapers. Even if you use washable ones at home, consider taking throwaways with you on the trip. You need only take a few since the supply can be replenished readily while traveling and after you arrive at your destination. Disposable diapers eliminate the problem of storing soiled ones. Soiled washable diapers should be rinsed out in a restroom before being stowed in a plastic bag until laundry facilities are available.

Dress your youngster in loose, comfortable clothing suitable to the particular travel environment; if the vehicle is air-conditioned, take along a sweater or lightweight blanket for the child’s comfort.

Facial tissues are “musts” when traveling with young children. Commercially packaged, moistened towels are handy, but you can also carry washcloths in a plastic bag.

A plastic trash bag functions well as a laundry bag, and a plastic sheet protects beds from accidents, but be sure to place the plastic under the bed-sheet to avoid the danger of suffocation. Take a large bed-sheet with you-it provides a clean, instant play area on a motel floor or on a bed or even on a grassy area by the side of the road.

It is never to early to introduce books and reading to babies.

Reading aloud to your baby is a remarkable way of fostering brain development and important in the development of language skills.

Reading to your child is the most valuable thing you can do and babies benefit immensely. Not only does it help develop baby’s eye muscles through focusing on pictures but it helps to encourage language skills. Each and every baby learns by sight, sound and feeling. When a baby sees, hears or feels anything, brain connections form and eventually create a piece of knowledge.

Babies first learn words by association with objects and pictures, which help them to understand the world around them. Eventually these associations are developed into language skills, where they begin sounding out the word. Language skills then develop into a way of which a baby can communicate with their parents and others around them.

As your baby grows into a toddler there are many other benefits that reading provides, such as:

• Reading aloud helps your child to learn new words, associations and language skills.
• Reading aloud to children helps them to learn and understand about the world around them and events and situations that do occur in everyday life.
• Reading aloud to children helps them to develop their creativity and imagination.
• Reading aloud to children helps them to learn about values and moral concepts, such as honesty, sharing and teaches them right from wrong.
• Reading aloud to children is calming and soothing and is a fantastic way to bond with your child.

The benefits of reading to your baby and child are endless!

Establish a daily routine and read to your child. Life can never be too busy to set aside some reading time to your child and the rewards your child will reap are infinite!

Introduce the new baby in your life with a world of words and pictures with a wonderful baby book gift basket. The new baby will be delighted and the joy derived from books will provide countless hours of learning and pleasure.

Start reading to your baby today!

Sometimes choosing a gift for a new baby is one of the most difficult tasks that one can face. This is especially true with so many people buying gifts, and you want to choose something that is different. After all, everyone brings sheets, comforters, blankets, and the usual types of clothing for newborns, so what can you do that is different? There surely has to be something different that you can do. Even if it includes the same items, you can find a different way to package it.

One gift giving idea that has become popular over the past few years is the diaper cake. For those who are familiar with this gift concept, you make a cake, often for a baby shower, using disposal diapers as the basis for the cake. Some people use the diapers with characters, but it works better if you use just plain, white Pampers or Huggies diapers. The diapers are to hold the cake together, but you can also roll and fold some little shirts, kimonos, sleepers, bibs, and other items to add to the variety of the cake. Small toys such as rattles and small stuff animals made specifically for newborns can be taped to the diapers as well. Another gift idea that has also been used is using the bassinette as a carrier of gifts.

This can be a real bassinette that you buy for the mother-to-be or that you rent as part of your baby shower theme, but rather than having just the bassinette, you line the entire inside with various baby items such as clothing, bedding, toys, lotions, diapers, baby formula, baby food, bibs, and any other small items that you would like to include. If you choose, you can cover it with a nice colorful blanket or quilt, and add a toy to the top for decorating. Personalized gifts are always nice to have as well, but these will have to wait until after the birth of the baby. Even if the parents have chosen names and been told they are having a girl or boy, it is always best to wait. In some cases, the position of the baby may cause the doctor to see a difference in the baby's gender, so to avoid giving girl's gifts to a boy, and vice versa, wait until after the baby is born to give personalized gifts.

There are several gifts from which you can choose, but one of the most popular is the personalized picture frame that the new parents can use for baby's hospital photograph. You may certainly come up with some ideas of your own; these are just some samples of things that you can do if you are fresh out of ideas. Gift giving for the new baby should come from your heart and your creative inner soul. If you have a great idea for a baby gift, share it with someone so that they, too, can give a gift that is different from the others the baby receives.