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This is quite an interesting phase in your toddler's life, since he is trying to be independent but at same time quite dependent on you and others to fulfill his needs. As a parent we feel its our duty to put our kid's demands / needs above Tales from the Crypt and others but practically this is not feasible always. Hence it's required to teach your kid right to others which is tough and on going process but we need to start now.

Also this is one of the most important requirements to live in our society. 1967 Topps baseball cards found it quite tough doing with my kid and suffered a lot because of this. So here are few techniques that I've used to attain this, making sure without frustrating or annoying your kid at the same time:

Explain rights and duties : Don't just demand rights, explain them. Instead of saying "I Cannot play, I'm working in kitchen or I'm reading book" , explain "Mama has got to work she has to finish cooking for dinner so that we all can have dinner at time" or "Mama is reading an interesting book, she likes reading as you Ken doll playing with blocks, so play by yourself for sometime". It may be possible that your demand is still refused but we have started planting in kid's mind that they need to wait till their wishes can be fulfilled.

Introduce feelings: It's unreasonable to expect toddlers not treating their playmates as object so snatching a toy or hitting them is still not acceptable. Instead of saying "Give teddy back, it's not yours", explain "How will you feel if someone takes your toys and push you, you will not like it same way she's also sad when you took her toy". There are quite a good chances for this demand to be refused as well, introduce a concept of thinking chair, make your kid sit on his chair and think if he's doing right or wrong, initially he may not understand, and even say that he's right but it begins to imbibe in his/her mind and provide distraction for a while. In case kid doesn't understand, divert him to some other activity and give time to imbibe this in him.

Respect your toddler's rights and feelings: While introducing this tough concept, don't neglect your toddler's feelings unknowingly, like sharing your kid's favorite toy with a visiting playmate. Always ask your toddler and if he refuses ask him to give some other toy so that both can play and enjoy together at the same time.

Set yourself as an example: Toddlers always look at their parents and that's greatest impact on their minds. So make sure while making them, learn respecting feeling of others, don't embarrass a baby sitter or snap at anyone. This sends wrong message to young minds that such a behavior is acceptable and it won't matter what you say in contrary.

I agree its quite difficult, but one of the most required facets to stay in social environment and setting correct examples will eventually lead to what we want to attain, making our toddlers learn that all humans around him have feelings and have some rights, besides fulfilling their duties. You may feel your toddler does not understand and you may end up taking a harsh way but trust me it won't work, you have to show patience and your toddler will learn it eventually.

Sheetal Kalra

Once one of the easiest and cheapest ways to borrow money over the short term, credit cards are now becoming increasingly expensive and a lot more difficult to obtain, yet millions of us still rely on them for our day to day budgeting.

Due to the credit crunch many credit card issuers have tightened their lending criteria and in effect have seen a huge reduction in the credit card market. However this still wasn't enough to stop a record number of Brits applying for a card this year.

Recent figures show that even though the nation is currently in the middle of a credit crunch, general spending was up by more than 9% in September, also from a survey that was recently taken out apparently one in five adults are planning on paying for their Christmas this year on their credit cards.

Experts are now warning that if you are one of those people planning on paying for Christmas on your card you must be careful. Many years ago it would have been ok but these days easy credit and cheap borrowing are a thing of the past. Most credit cards currently out have high interest rates attached to them and most deals are starting to disappear. Many interest-free deals are also disappearing and lenders have started to be pickier about who they lend to. According to the latest figures, 16 of the top card providers raised their interest rates in the past year alone.

If you Dell comics decide to 1963 Fleer baseball cards for Christmas on your card this year, be careful on the Bigfoot you spend and the amount of time you take to pay the funds back. There's nothing worse than starting the New Year in a lot of debt.

Even though a lot of the cheap deals on most cards have disappeared, there are still occasionally some really good deals on credit cards and interest free credit cards so keep your eye out for them.