If You want to save for college.
I would suggest opening a 529 college savings plan. These accounts allow the money invested to grow in mutual funds on a tax favored basis. No capital gains taxes, if the money is used for higher education it remains tax free. The account would be in your name with the child as a beneficiary. One nice thing is that once your child turns 18 the account still stays under you control. If your child wins a scholarship you will be able to withdraw money from the 529 equal to the scholarship penalty free and you would just pay taxes. If you remove the money from the 529 for non qualified expenses you would pay taxes and a 10% IRS penalty. If your child never goes to college you can change the beneficiary even to yourself. These accounts don't have much of a downside. I would recommend you checking out the 529 offered by The American Funds or the plan offered by your state.

I also highly recommend reading The Truth About Money by Ric Edelman

I would also recommend mutual finds over individual stocks. Mutual funds allow the small investor to have a diversified portfolio with professional money management. Without being a professional investor it is hard to beat a good mutual fund.

In cities like Detroit and Flint, Mich., entire neighborhoods of crumbling houses are vacant, and old factory sites there and elsewhere lay in ruins. Older parents are living with their adult kids (or vice versa). Entire factories have been transplanted to other countries, or totally closed.

There is an extreme lack of consumer purchasing power in this economy. Many citizens believe this cannot go on much longer.
Karen Quinn-Tostado of Oregon says she is just an everyday lady, but she is playing a significant role in an uncommon effort to get the American people to “face their oppressors,” as she put it. Ms. Quinn-Tostado is calling on every willing American to detach from their routine and engage in a national strike from the increasingly oppressive big business-big government matrix that has snared Americans in unpayable debt, endless toil, demolished rights and broken dreams with no apparent solution.

In cities like Detroit and Flint, Mich., entire neighborhoods of crumbling houses are vacant, and old factory sites there and elsewhere lay in ruins. Older parents are living with their adult kids (or vice versa). Entire factories have been transplanted to other countries, or totally closed.

There is an extreme lack of consumer purchasing power in this economy. Many citizens believe this cannot go on much longer.

Top 25 Undergraduate Programs:

1. Babson College
2. University of Houston
3. Drexel University
4. The University of Arizona
5. University of Dayton
6. Chapman University
7. DePaul University
8. Temple University
9. University of North Dakota
10. Loyola Marymount University
11. Wichita State University
12. Syracuse University
13. University of Notre Dame
14. University of Maryland
15. University of Oklahoma
16. University of Illinois,
Urbana-Champaign
17. Xavier University
18. The University of Alabama
19. University of Southern
California
20. Ball State University
21. The University of Iowa
22. Brigham Young University
23. Baylor University
24. Northeastern University
25. The Ohio State University

So, assuming you are looking for an undergraduate degree, the ones here which would be relatively inexpensive would be the University of Arizona, Temple University, the University of North Dakota, Wichita State, and then all of those The University of (name the state).

first we wanted a girl, so we had sex a couple of days before ovulation. Female-carrying sperm are supposedly slower, but they have a longer life cycle, and so they remmain active longer. Deposit the sperm before ovulation. When ovulation hit…Boom, we had a girl!

Second time, we wanted a boy, had sex when she knew she was already ovulating. Male carrying sperm supposedly swim faster, but all that exertion makes them less hardy. So… Boom, we had a boy.

I think that the same principle is used to separate male sperm from female sperm. The semen is spun in the centerfuge, separating the sperm by size.

Boy, I think I used the word sperm waaaaay too much in this answer. Have a fun time!