(WMC-TV) - Have you ever considered cloth diapers?  Are the first images that pop in your head large swaths of fabric, pins and plastic pants?  If so, then you need to find out how different modern cloth diapers are now.

The modern cloth diaper systems are pin-less, easy to use and better for the environment.  Another important factor to busy parents is that modern cloth diapers are easy to wash.  The fabrics used now are soft, colorful and comfortable on the delicate skin of babies.  They are also easier on the environment. 

In the United States alone, 49 million diapers per day (18 billion per year) are thrown away.  Disposable diapers go into landfills in which (under ideal conditions) it is estimated that it would take hundreds of years to decompose.   Each baby in cloth diapers will help to divert many of these diapers from municipal landfills.

(WMC-TV) - I can help you if you're looking to rocket to the top of your little world's 'public enemy' list.

Just leave your cell phone's ringer on at church, in a movie theater or during a company meeting. That'll work.

Actually, don't do that.

(WMC-TV) - I can't emphasize enough how consumers should consider exclusively using credit cards to buy stuff, then pay off the balances immediately.

Under federal law, you're never liable for more than $50 of any disputed charge on your credit card. Most card-issuers offer zero liability now to attract customers. You can't count on that kind of protection if your debit card or cash is stolen.