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Posts Tagged ‘checklist

What to pack in your hospital bag for child birth?

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2 pairs of baby gloves for his hands & feet / mittens & bootees.
3 pairs of baby clothing
Alcohol prep for baby
Aloe vera gel (can be moisturizer)
ATM debit card (sometimes credit card is not accepted) / cash / cheque
baby hat
baby powder for mother (cannot bath, as simple make-up)
birth plan
Blackberry (as phone, camera, video recorder, listen to music / positive affirmations / prayers), earpieces, cable
Blackberry electric charger
comb
Cotton wool for baby
diapers for babies
Dry shampoo for mother
Ear plug (if sharing room, to sleep without listening to the crying of other babies)
face lotion for mother
facial wash for mother
facial wipe to remove oil
fringe stabilizer (for washing face)
Hospital admission letter.
Identity card of baby’s mother and father.
Lip balm (can be moisturizer)
lotion
lotion bought from ob gyn
make-up: eyebrow pencil
Marriage cert
maternity bra (2)
mouth rinse for Mum
Night dress with front opening to facilitate breastfeeding.
panties for mother (3) / disposable undergarments.
Sandal (anti-slippery) for mother
sanitary napkins for mother
shower cap
Snacks
socks for mother
Spectacle case.
sweater for baby
sweater for mother
tissue
toothbrush for mother
toothpaste for mother
Towel and hanger
Water bottle
water-resistant gloves
Wrapping blanket for baby.

Written by blueroselady

December 22, 2012 at 6:21 am

Checklist for week 20 scan during pregnancy

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What will the sonographer look at?
The sonographer will examine all your baby’s organs and take measurements. She will look at:
The shape and structure of your baby’s head. At this stage severe brain problems, which happen very rarely, are visible.
Your baby’s face to check for a cleft lip. Cleft palates inside a baby’s mouth are hard to see and are not often picked up.
Your baby’s spine, both along its length and in cross section, to make sure that all the bones align and that the skin covers the spine at the back.
Your baby’s abdominal wall, to make sure it covers all the internal organs at the front.
Your baby’s heart. The top two chambers (atria) and the bottom two chambers (ventricles) should be equal in size. The valves should open and close with each heartbeat.
Your baby’s stomach. Your baby swallows some of the amniotic fluid that he lies in, which is seen in his stomach as a black bubble.
Your baby’s kidneys. The sonographer will check that your baby has two kidneys, and that urine flows freely into his bladder. If your baby’s bladder is empty, it should fill up during the scan and be easy to see. Your baby has been doing a wee every half an hour or so for some months now!
Your baby’s arms, legs, hands and feet. The sonographer will look at your baby’s fingers and toes, but not count them.
As well as this detailed look at how your baby is growing, the sonographer will check the placenta, the umbilical cord and the amniotic fluid.
The placenta may be on the front wall (anterior) or the back wall of your uterus (posterior), usually near the top (or fundus). If the placenta is near the top, it may be described as fundal on your scan notes.
The placenta will be described as low if it reaches down to or covers the neck of your uterus (your cervix). If the placenta is lying low in your uterus, you’ll have another scan in the third trimester to check its position. By then, it’s likely the placenta will have moved away from your cervix.
It is possible to count the three blood vessels (two arteries and a single vein) in the umbilical cord, but your sonographer may not do this. It’s not routine procedure. She will check to see that’s there’s enough amniotic fluid for your baby to move freely, though.
During the scan, the sonographer will measure parts of your baby’s body, to see how well he is growing. The sonographer will measure your baby’s:
head circumference (HC)
abdominal circumference (AC)
femur or thigh bone (FL)
The measurements should match up to what’s expected for your baby, given his anticipated due date. The due date will have been established at your dating scan. If your anomaly scan is the first scan you’ve had, it will be used to establish a due date.

Which abnormalities can be seen on the scan?
Sonographers have a list of conditions to look out for. The conditions are on the list either because they are very serious and may even mean a baby can’t survive, or because they are treatable after birth.
If the conditions are treatable, it will help the hospital team to know in advance. The team can then make sure your baby has the right care as soon as he’s born.
Some conditions are easier to spot than others; some are hard to see at all. Most of the conditions on the list are very rare. Here’s the list of conditions, and the percentage chance of your sonographer seeing each one, if your baby has it:
Absence of the top of the head (anencephaly): 98 %
Cleft lip: 75 %
Defect of the abdominal wall (exomphalos): 80 %
Defect of the abdominal wall (gastroschisis): 98 %
Missing or very short limbs: 90 %
Defect of the spinal cord (spina bifida): 90 %
Major kidney problems (missing or abnormal kidneys): 84 %
Hole in the muscle separating chest and abdomen (diaphragmatic hernia): 60 %
Excess fluid within the brain (hydrocephalus): 60 %
Edwards’ syndrome or Patau’s syndrome (chromosomal abnormalities): 95 %
Major heart problems (defects of chambers, valves or vessels): 50 %

Written by blueroselady

December 7, 2012 at 4:54 am

How to make personal income statement?

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One of the most useful courses that I had in my undergraduate study was accounting.
We learned how to make income statement for companies.
However, the same principle can be applied to make our own personal income statement.
Only when one is able to manage personal finance well, one is capable of managing the finance of companies.

PERSONAL INCOME STATEMENT
You can use spreadsheets (e.g. excel) to keep track on your income and expenses.

Total savings = total income – total expenses

Types of income:
active
passive

Types of expenses:
personal
children
housing
transport

In more details …

ACTIVE INCOME
net salary.
401K / CPF: I do not include this since it will be many years later when I can withdraw.
commissions.
bonuses.
directors fees.

PASSIVE INCOME
dividends.
royalties.
interest income.
private business profits.
net rental income.

PERSONAL EXPENSES
dining out.
clothes: except for underwear, I do not mind wearing 2nd hand ones from my mother / sister.
entertainment.
communication (mobile phone, Skype, data plan).
insurance (life, hospitalization).
personal taxes.
gifts, donations.

CHILDREN EXPENSES
health : vaccination, medicine.
education (school, text books, tuition / enrichment classes): swimming, music if the children show keen interest.
school bus.
clothes: get all new underwears and few new ones for special occassions, get 2nd hand for most clothes because children grow fast.
toys: we strive to minimize this, instead bring children to beaches, parks and libraries. I had little toys so that I socialized a lot (other kids seem to have a lot of toys) and when my parents moved to non-residential area, I used my imagination to play.
allowance: we strive to minimize this by packing their lunch. I had no allowance until I finished my primary school education.

HOUSING EXPENSES
mortgage.
utilities (water, electricity, service and conservancy, internet connection).
cleaning (e.g. full-time maid, part-time maid): get your children and spouse to do duty roster.
groceries.
property tax.
fire insurance.
mortgage insurance.

TRANSPORT EXPENSES
public transport (trains, buses, air tickets): buy air tickets in advance for peak period.
car installment.
petrol.
maintenance / servicing.
car insurance.
road tax.
season parking.

See also how I strive to minimize my expense through frugal lifestyle.

Ideally: earn -> save -> invest -> spend
Vision (December 2013) : earner -> saver -> investor -> philanthropist

Written by blueroselady

September 17, 2012 at 8:56 am

My simple frugal lifestyle in autumn 2012

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In three and half more months, we will be saying good bye to 2012.

Life has been pretty simple for me lately.
I am enjoying my simple life now.
I am grateful for having God, loving family, caring friends, supportive mentors.

I am grateful for my job, where I can earn and learn; I am always learning and preparing myself for the future.

Towards the vision of achieving my financial independence and realizing my grand dream (I want to help many poor children in my chosen ways), I become more conscious about my spending, saving, and financial intelligence than ever. This of course has implications on my lifestyle: the many decisions I make daily.

I strive to kick start and end my everyday with prayers of gratitude and guidance.

I strive to eat more healthy home cooked food using higher quality ingredients (e.g. olive oil).
I try to minimize dining out (for meals above $10 / per person) to once or at most twice per week.

I will go for free food after talks.
Like the IKEA founder Ingvar Kamprad who waits until the afternoon to buy his fruits and vegetables when the prices drop, we buy discounted bread after 9.30 pm for the next morning breakfast. For more inspiration, see the frugal millionaires.

I am increasing my financial intelligence by reading books borrowed from libraries / read at bookstores / e-books, and consulting my mentor K.

I am having good rests, especially in the weekend.

I appreciate the greenery near where I live: walking, breathing, thinking, nurturing relationship with my lover.
I prefer to watch (inspiring / romantic comedy) movies at home, I no longer need to spend on cinema tickets. If I have to watch in the cinema (e.g. for 3D movies), I will buy the cheaper weekday ticket than the weekend ticket.

I listen to music from radio / youtube (I no longer buy songs / CD).

I use public transport, gently fight for my seat with smiles, use my fist and mouth to protect my baby. I have no car now, but I am happy to have a car to support my future business.

I use delay rule when I want to shop for things above $50. Do I really need it? Can I be creative to use things that I already have?
I ask for samples and discounts, wait patiently for sales.

If possible, I minimize spending my free time in shopping malls to minimize temptation to shop for unnecessary things.
I shop with a shopping checklist.
I maximize the potential of my credit cards (to earn points) and always pay full outstanding amount to avoid the blood sucking 24% interest.

I am not going overseas in this autumn and coming winter (a huge saving on air tickets), yet I can do virtual travel at home, thanks to documentaries and travel books.

Since this summer, I have not shopped for any cloth, except for underwear.

Thankfully, my mother bought me some new clothes, my sister handed me few of her clothes (I do not mind second hand clothes).
However, I foresee that I have to shop for my baby, and it will be a happy bargain hunt.

I still donate a little amount for charity, I hope I can donate more as my income increases in the near future.
My life is simple and blessed.

Written by blueroselady

September 14, 2012 at 8:38 am