Definitely consider cloth diapers. I found them to be so much nicer than plastic. I used a diaper service than came twice a week, mainly because I worked full time when my kids were babies.Why a life insurance policy for a child? I never understood that. I'd put 200 a month away for college. Now that my 17 year old is applying to universities, I wish we had put away more!Also, are the schools in your area good? My boys did well in the public schools, but we ended up putting our daughter into private. One never knows..Best,Jen
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