New Mom, don’t be afraid to ask for help if you need it, from friends, family, support groups or a professional. It will be better for you and your child.
If you need a break, take some time out with your partner or a friend.
Get some exercise. Even 10 minutes a day will help.
Let yourself fall in love with your baby, of course. Every baby needs someone who is madly in love with her.
If you can, sleep or rest when your baby does. Keep away from Facebook. It will just waste your time.
Prioritize household tasks. Let some of the low priority ones go for a while and, when possible, delegate some to others.
Go with the flow in the journey of being a mommy. It's hard but don't let it control your head. Forget schedules and efficiency. Your baby is generally not predictable and you can’t work on the rest of the world’s timetable when you have got a new born.
Enjoy your baby today, don’t wish these early months away.
Give yourself time to adjust. Nobody knows how to do everything for her baby overnight.
Remember the newborn phase is short. Don’t draw conclusions based on this brief period. Eventually, you would get a full night’s sleep again.
Sundresses have been popular among women/mommies for years, and for good reason. First of all, a sundress is an ideal fashion choice for the summer. Sundresses are lightweight and loose-fitting to wear even in the warmest weather. They keep people cool without being too revealing, and they can even be worn over a bathing suit or bikini on the beach. The fact that so many of them are brightly colored makes them a fun and cute option for those who like to go shopping on a sunny summer afternoon. Another reason why sundresses are so popular is because they are very flattering for women of practically any size and body type. They are light enough to show off a woman's figure in a way that is tasteful and flattering. This is probably why plus-sized sundresses are available from many retailers and clothing designers all over the world. Finally, a sundress is incredibly versatile. Many sundresses can be worn in every women's journey casually at the beach, at the mall or simply around the house, while others wouldn't be out of place at an elegant restaurant. They can also be worn with several different kinds of shoes, from ballet flats to high heels. This means that a sundress can easily be made to be part of practically any ensemble with some creativity. There is a great selection of sundresses for women at fairwindssarongs.com. These dresses come in all sizes, styles and colors so you will be sure to find a dress that perfectly fits your style.
Some children may be more naturally outgoing than others. I have learned that shyness or inhibition is influenced by genetic and environmental influences. However, mommies/parents/caregivers, I believed that this temperament is not necessarily permanent and does not necessarily determine a child’s personality when she grows up. In fact, these traits can be influenced by time and life experiences. Our daughter is fun to be with. At first, she is a bit shy, but when she feels that you are a good friend to her, she will like you, and she will play with you just like most children.
There are many ways to help a child to overcome shyness. But first, you have to look into why your daughter is too shy for her age. Go back to your earliest recollection of your childhood journey. Were you or your husband shy when you were your daughter’s age? Are either of you shy even up to now? Remember that you are your child’s social model. Your responses and interaction with other people is your child’s first social template. So, do better for her what you have not accomplished or done when you were still young. Imagine how you like her to be, start from there, and do great with her own pace. Good luck mommy! :)
I assumed that most mommy shoppers understand online auction dealings because it is widely known over the Internet. When you heard the word auction, the next thing comes to mind is bidding. However, there is one auction site that you might definitely adore because of their unique mechanism. I have watched this video a while ago, and I was inspired to join this distinctive auction site. You may have to check it out below, and watch the video and see it for yourself. At DealDash
, if you lose the bidding, it doesn't mean that you lose everything. You can still get back all your bids and use it to buy the item by using the Buy It Now option. It sounds great, isn't it?
And so good luck on your auction journey then! :)
A friend of mine came across this quote and she giggled. “A daughter is a mother's gender partner, her closest ally in the family confederacy, an extension of her self.” I asked her why, and she said, " I believe that I am really my mom’s gender partner because I literally grow up very close to my mom and we almost do things together".
I think mothers and daughters share a very close bond if compared to other members of the family. I do not mean though that sons and moms are not that close, they even said that most have that latter bond which is son and mom that so close. They are but nothing beats a mom and daughter closeness, I think.
I love my daughter very much and somehow when she also grows up to be and adult and decide one day to start her own family, she will be able to share a bond with her kids closely like what we do now. I love my daughter to death. She is the sunshine of my life.
My toddler daughter SAM, just turned 21 months old can already do a lot. She can't speak that much yet and I even think she's a little delayed because of her oral aversion., but nonetheless because she can already utter few words and keeps on imitating me when talking to her (not every time but when she's relax, she's always on the go, as in curious in everything her hand can reach). I just have to keep closely on her speech development and eating status. And teach her more.
It has been months (maybe two or three months ago or so), she started keeping an eye on my feet that every time my feet are naked, she has to find my slippers or shoes and put it back on. It has been her habit, I think, and it amazes me. She's very busy toddler but never forgot to take a look at my feet if it has slippers/shoes on. Ha! She can also open our door bathroom as well as close the doors every time it is open. Looks like she's a door guard, I always tease that to her. :) She can do much more like putting trash in a trashcan, and the likes.
She can also relay a thing on her hand from our living room and just give instruction to give it to her dad in the bedroom --- she always does it perfect. She's a perfect little helper! ;-)
My SAM now understands more and I feel happy with that!
Here are some ways to boost your child’s vocabulary: A mommy or a parent must talk as much and as often as you can directly to your toddler, whether it is carrying on an actual conversation, singing a song or reading to her. Look at her while you talk. Let her see your face and your gestures.
Repetition is the key. If you read her a story, don’t get tired of reading it again and again. Repeat concepts taught as much as you can. Children’s songs are a great way to teach concepts by repetition. Example: My toes, my knees, my shoulder, my head.
Talk to her as you are talking to a grown-up. Kids in a learning journey say the cutest things, such as “wee-wee” for pee, “tenchu” for thank you, “pleet” for please, but don’t let these tempt you into mimicking them during conversations. Hearing you use baby talk may just confuse your toddler and won’t help her language development.
The Toyota Camry has turned into a somewhat legendary type of car, and it is always amazing to see Toyota fit such an amazing design in such a small price tag. They have really outdone themselves this year, and the design of the Camry has never been so polished than it is right now. The high quality materials found in this car make you wonder how it is able to be sold for such a low price, and the performance of this car makes you forget about the vehicles that can be found at a higher price level. One of the main things that people (especially a working mommy/mommies in driving journey) are pointing out about this car is its ability to stay quiet on the road. When people test drive it at the Toyota Camry dealerships, they are extremely surprised at how they do not have to talk loudly just to be heard by someone who is sitting right next to them. The performance of this car is driven by a 156 horsepower engine, but the main feature of this car has always been its dependability. You can always count on a Toyota Camry to last far into the future, and you never have to worry about a lot of costly maintenance decisions. Whenever you want to find a car that simply works and gets the job done, you can always count on Toyota to come up with the perfect design packaged up in a great deal.
It will be helpful for you to know your child’s temperament, or at least, to have an idea about it. By knowing this, you will gain valuable insight into your child and her behavior. If a child with a difficult temperament is challenging you, you probably wish to get at the root of the problem, mommy. Perhaps you found yourself viewing your child in a negative light by labeling her as cry-baby or a wild child.
I am lucky because my child has a little temperament, or perhaps I am quick to respond to her needs and wants before she explodes. Okay, she's still on her way to "terrible two" and let's see.
I believe that a child with a difficult temperamental is as normal as a child with an easy or slow to warm up temperament. I think, once the parents know and understand the child’s temperament, we can view our child’s behavior objectively. This will help us to refrain from emotionally lashing out or withdrawing from our child.
It is never too early to teach children good manners. Studies show that even at a very young age, kids are already capable of learning and expressing empathy and concern for others. Teaching manners becomes easier when it is a common practice in the household.
As social beings, children learn by doing. From birth onward, children are constantly picking up emotional and behavioral cues from the people around them, such as parents, siblings, caregivers and alike. However, it is not enough to simply tell children what to do and say; showing them by example counts most.
Where do you begin in teaching toddlers good manners? Start with the basics, saying “please” and “thank you”. If your little one wants a bottle of milk, teach her to ask for it in a proper way by stating, “May I have some milk please?” while you are pouring it. When you hand it to her, affirm and say “Thank you.” This is also works well if you and your child are visiting friends and relatives. When she asks for something, remind your child to say please and thank you.
If you are expecting to give birth sometime soon, you want to have extra money in order to care for your child after he or she is born. Babies are expensive and you must be prepared to afford everything they will need. Here are four safe ways to obtain some extra money:
Payday Loans
Payday loans are short term loans that can safely get you cash in as little as 24 hours. There are many companies that offer payday loans and qualifying for one is pretty easy as long as you meet all the requirements, such as having a bank account and a steady job. In general, you have to have been at your job at least 90 days to qualify for a payday loan. Applying for one only takes a couple of minutes and you can apply online from the comfort of your own home. Upon approval, most companies will deposit the money into your bank account right away. Just make sure that when you get your next paycheck from your employer you are able to pay the loan back in full. This is the only truly safe way to obtain money from a payday loan.
Yard Sales
Most of us have at least some possessions we don’t want or need anymore. Having a yard sale and selling these possessions can be a safe way to get some extra cash for when your baby is born. You can either set up a yard sale in your neighborhood or get a table at a flea market. Flea market space must be purchased, so you will want to be fairly certain you will be able to make a profit on the possessions you sell. In the case of a typical yard sale, try to get others in your neighborhood to participate because this will draw more people in.
Offer Services From Home
Another great way to safely obtain some money when you are expecting a baby is to offer services that you can do from the comfort of your own home. If you are artistic, consider making artwork you can sell online or throughout your neighborhood. If you like to read and write, offer to write book reviews for new authors.
Dip Into Your Savings
Hopefully you have a savings account that you can take some money from if you find yourself needing extra money with no way to obtain it.
We never fail to celebrate incomprehensible babblings uttered by our toddler, giving meaning to them as if they were real words. On the other hand, we mommies beat ourselves in frustration when every other child except your own has already begun talking. Indeed, one of the milestones that cause great excitement and anxiety in parents is their child’s speech development. Find out more about why children’s speech development is crucial and how a mommy/parents can help in such journey of your kid.
We use speech to articulate feelings, thoughts and experience from something as primal as hunger to something as complex as anxiety or mixed emotions. For young children, speech is key in expressing preferences, dislikes and intentions. For older school-aged children, it is an indispensable ingredient of reading, spelling, mathematics and writing. Since speech is used in virtually all aspects of our lives, any breakdown, however small, impacts on the quality of our output at home, in school and in the community.
Knowing that your child’s future is secure is one of the top priorities for many parents. Everyone wants their children to reach their highest potential by ensuring that they grow up healthy and strong. By getting health insurance a parent can rest assured that they made the best decision for their child. Unfortunately not every parent has that option as around 8 million kids in the U.S. go without health insurance. If your child is one of them because your employer-paid health insurance doesn’t cover them or you can’t afford a policy than don’t fret. There are plenty of programs that are available to anyone looking to provide medical coverage for their children. Here are some tips to help get you coverage for your kids.
Get Your Children into a Public Program
There are two programs in every state that work together to provide health insurance for children that are in middle and low income families. These are Children’s Health Insurance Program (CHIP) and Medicaid. Medicaid is controlled by the state but is funded by both the state and federal government. It offers health insurance to those with a limited income. Children’s Health Insurance Program on the other hand is funded solely by the federal government and provides health insurance to kids under the age of 19 who are in working-class families and qualify for coverage based on the income of their parents.
Visit Your Local Health Center
Whether you and your child has health insurance coverage or not, you can take your child to a health center for immunizations, check-ups, treatment, prescription drugs, mental health care, and dental care without health insurance when you need it. This is because health centers offer medical care based on a sliding scale of your income. If you are in a dire situation it can even be free.
Get Your Kids Child-Only Health Insurance
A “child-only” health insurance plan is a type of policy that is designed specifically for children who are 18 and under, and do not put a guardian or parent under the same policy. Although the 2010 Patient Protection and Affordable Care Act made this type of policy less available, they can still be purchased during certain enrollment periods. This can be a good option for parents who only want to have insurance for their children. Be aware that not all states offer this type of insurance so make sure to check with your insurance provider to see if they do.
Take Full Advantage of COBRA
If you have been laid-off and fear that this will mean your child will no longer be covered, know that it is required by the law that your former place of employment provides health insurance coverage for 18 months after you were laid-off. This can tide your family over until you can find a new job.
I was asking before are the instant soups sold in the supermarket okay for babies and toddlers just like "Don’t these contain MSG?" , and alike. Thanks to my baby’s doctor (yeah her pediatrician). She said cup soups are not exactly what nutritionists would recommend as food for babies and toddlers. MSG, or monosodium glutamate, is a flavor enhancer of many processed food items. Though MSG is considered generally safe and approved for use, it has shown side effects on some people, such as dizziness or allergic reactions.
It was long ago that some baby food manufacturers tried to lessen the food additives (not only MSG) in their products after some reports of brain damage or mental retardation that could been caused by food additives were discovered. So, to make it safe, offer your babies a variety of food and go natural by making fresh broth more often or in the other name, be Organic. By the way, if she doesn’t like soups, don’t force her to eat or even taste it.
There are no parents who do not have their children in mind when it comes to thinking of protect them. From medical expenses to college expenses, parents would like to have everything covered throughout their development, but money is commonly a limiting factor. However, you can protect your children through personal investments that pay for what they are going to need at different age stages.
Approach Life Insurance
Despite there are many life insurance plans for children that you can find while shopping around, financial advisors recommend avoiding buying this type of coverage. Life insurance could be a good investment to protect your children not from the approach to insure them but insuring yourself. Your own life insurance policy can produce cash that can be used to invest with your children's education in mind or to pay for other expenses when the right life insurance policy has been taken out.
Getting Health Care Insurance.
Carrying health care insurance will be mandatory for all Americans starting in 2014 so that, this is the right moment to think of shopping around for the best health insurance policy that protects your children and the whole family. You can buy individual health care plans for your children, but experts recommend the analysis of the different deals to find the best and avoid paying extra coverage that might not be used. As an example, why you should pay today for pregnancy expenses for your toddler girl?
A Piggy Bank Alternative
Piggy banks are meant to teach your children the importance of saving money, but practicing what one preaches is the best way to help them understand the importance of saving money. This way, start building a savings fund at the same time -- your own piggy bank even if it set as a bank savings account -- and reserve this money exclusively to cover expenses pertaining your children development.
Using Financial Talents
If you have set aside a stash of money to protect your children, consider the opportunity to make it grow by investing in life insurance, stocks, bonds, mutual funds, or real estate. Nonetheless, keep in mind that this is not a game of chance and also not an action that has to be performed without the proper knowledge of what you are doing. Investments always carry a risk factor that you should be able to cope with. So that that said, if you want to protect your children through personal investments this way, get a financial advisor to help you.
Most of the time we mommy(ies) just cannot get enough sleep because we have work to be done urgently, let alone taking care of our toddlers/kids/babies, and sometimes for those working mommies who work for a certain company which they shift from day to night then for the another week or month will going to shift from night to day -- that such more difficult, I think.
So there is no consistency in the time you slept at night, because of that you cannot get enough sleep, even though you have done your work early but in most nights you slept like 2:00 a.m. or 3:00 a.m. for an example, still even you want to rest early that night still you cant slept, what I did to make my eyes tired and slept early is to read books or listen to mellow music of my little one's favorite lullabies in Pandora (in this way, she and I can sleep together) especially when insomnia attack.
To have enough sleep is very important. This can help our body regain more strength in the next day of working at home or in the office. So make sure to have enough sleep, take vitamins or drink milk before sleeping time.
With the new economic trends, there are many investors looking for different ways to make their money work for them. Infomercials and books advertising ways to invest in real estate and debt buying are enticing everyone, including us mommy(ies) of course, from young investors to those who are looking for a way to diversify their portfolio. These investments may work for some people but most of the time they become part of the list of investments your children will learn from.
Ponzi Schemes. This type of investment usually comes with an outrageous guarantee that if you put in a certain amount of money you will certainly get back an amount much higher. The problem with these investments is the only person making money is the one selling you the investment. In reality the investment itself does not truly exist and you will lose thousands of dollars if not more. Most people did not know what a ponzi scheme was until the media began reporting on people being arrested for facilitating them.
Unsecured Loans. This investment can be risky no matter how you choose to do it. If you choose to take out a payday loan in order to fund your investments, you may find yourself unable to pay back the loan amount. Those who do not need to borrow money to make an investment may choose to invest in lending for payday loans. In this journey, you risk losing your money due to the borrower not repaying the loan.
Precious Metals.
Investing in metals such as gold and silver may seem like a great idea at the time you are considering it. The problem with this investment is the risk of dropping prices which can happen at any time with little or no notice. Another important issue with investing in precious metals is that they are not a good source of continuous income like other investments are. In order to successfully invest in a metal such as gold, it is very important to follow the values very closely. This will allow you to sell the gold before the value decreases and you are forced to take a loss.
Real Estate. This investment may not seem risky to most people, but the real estate market fluctuates frequently. If you choose to purchase a building or home out of foreclosure in order to flip it and resell it, you will want to work fast and try to keep your budget low. The longer it takes to sell the home the more you will be spending on loans and interest. On the other hand if you purchase rental property, there is always a risk that your tenants will not pay the rent or will damage the home while they are living there.
Toddlers want to feel included and competent, so choose books that your child can follow along with, especially those with repetitive text so she can fill in words. Maintain your toddler’s interest by choosing books with short text on the page, as well as books about topics that you know are of-interest.
For younger toddlers you would want sturdy board books with pictures of kids doing the things they do everyday, nowadays there's already an iPad. Books about bedtime, baths, or mealtime are all good choices, so are books about saying hello or good-bye. Keep active hands busy with lift-the-flap pages and textures to feel.
Toddlers from 24 to 36months are able to turn paper pages, so this is a good time to explore beyond board books. They are also beginning to understand the mechanics of reading and like books that are repetitive and easy to memorize so that they can read along.
Mommy/Parent like to enjoy movie theater style popcorn at home with the Whirley pop popcorn popper. This fun little popcorn machine is easy to use, fun and make far more popcorn than a microwave bag of popcorn. It’s a healthier choice, and the kids will get excited in the movie journey every time they see you pull this appliance out of the cabinet. Healthy and Wholesome Popcorn isn’t just for kids or movies. It’s a great snack for adults, and kids enjoy eating it anytime. The Whirley pop is a healthier choice because there are no chemicals or preservatives. Cook plain popcorn and flavor it with real melted butter, parmesan cheese or other marvelous flavors that will make your popcorn even better than the movie theaters. Pop a Little or a Lot The hand-cranked stove top popcorn from Whirley Pop lets you make a little or a lot of popcorn. You can cook up to six quarts of popcorn in just three minutes, or you can cook a small amount if you just want a fast snack. Made from stainless steel and available in a beautiful red color, the Whirley Pop is easy to use. You can cook popcorn over the stovetop, and the crank allows you to keep the popcorn moving and prevent burning. The lid detaches for easy cleaning, but it also seals tight to keep in that great flavor when you are making the popcorn. Ideal for anyone who enjoys popcorn but wants to keep it healthy, the Whirl Pop is also a great choice for families who want that movie theater flavor in the comfort of their own kitchen.
A speech delay is basically a communication disorder among children who fail to converse properly when compared with other children of the same age. The cause may be because the child is busy learning other skills or she does not get much attention on her speech. Poor balanced diet and emotional stress may also contribute to speech delay. Or, those children whose parents are abusive are likely to have speech delay, mainly due to lack of communication. At times, physical causes such as mental retardation also lead to speech disorder.
Remember that just like other areas of development, a child develops verbally at her own pace. Some toddlers are already point out their body parts before they walk, others not well into their second year. Whatever the case, be patient; as long as you are exposing her to talking or talking to her often, then you just have to sit back and let nature take its course.
Mommy, If you are looking for that perfect wardrobe for the new addition to your family journey, you might like to consider showing your team spirit with Dallas Cowboys baby clothes from Baby Fans (http://www.babyfans.com/baby-cowboys.aspx). Baby Fan clothes are made specifically for the needs of a growing baby that otherwise would grow out of an outfit within in a couple of weeks at the least! Baby Cowboys has plenty of different kinds of Dallas Cowboy gear as well as accessories for your baby. Whether you are looking for singlets, diapers, hats, gloves, shoes or even underwear and t shirts, Baby Cowboys is your one stop shop for team pride as well as a durable clothing line. For specialized gear, the company also has amazingly low prices. If you are tired of paying retail premiums just to show you team pride and you definitely do not want to spend that money on your baby, come to the Baby Cowboys store and give your wallet a much deserved break. If you have not yet visited the Baby Cowboys website, do so before you go to your next game. There is nothing better than attending a game with your baby already decked out, not spending the outrageous prices that everyone else demands in order to create memories.
There is a reason television is called the ultimate babysitter. Here’s why you should not treat it that way.
With the proliferation of so many educational shows and easy access to kiddie cable channels, more and more, parents/mommy think that it is okay to let their kids watch and learn from TV viewing. The early years are vital to a child’s development, and studies have yet to prove the absolute positive effects of television on infants and toddlers. However, researches on the benefits of parent and child interactions are already proven. Thus, recommended stimulation for children under the age of two must focus more on playing, singing, talking, reading, listening to music and meaningful communication between the child and parent. But if you really cannot avoid putting your child in front of the boob tube, you desperately need to distract her for a few minutes while you finish an urgent chore, or set time limits on TV viewing.
Almost 90 percent of Internet surfers (mostly mommy/ies, I think) have engaged in at least window shopping while on the Internet. Of those that have purchased something on the World Wide Web, there seem to be common features and platforms that online shoppers like and dislike about electronic storefronts. Page Loads Lagging web pages have already been a curse to visitor conversion statistics. No one wants a shopping journey process to sit and twiddle e-thumbs while a merchant's website loads pages slowly. Images and complicated programming can pull page load times into the “ether eternity” ranges. Webmasters, ensure your merchant sites keep up with today's technology and speed. Shopping Carts On the positive side of elements, shoppers love shopping carts on commercial sites. They love the convenience of saving individual items until they're ready to head to the check-out line. They don't want, though, involvement with any kind of online shopping cart software that tracks purchase history, captures and automatically adds their names, addresses, phone numbers and email addresses to any kind of marketing list. Sales Pages Online shoppers like payment confirmation pages: Most online payment venues provide them, but always test your potential online shopping cart software to ensure it performs as advertised. The page should include UPC or SKU data, date and time of purchase, billing and shipping address, total purchase amount and applicable sales tax and an independent purchase tracking number or confirmation number. Summary Watch the few shopper dislikes and ensure your site has the listed shopper preferences, and you might find a greater Return on Investment or higher profit margin as you tailor your site for visitor retention and conversion.
Play a game of bowling or throwing with your child, using a small ball that she can easily manipulate. Line up objects she can bowl over such as recycled plastic bottles, plastic cups, or anything that could be used as a target. This improves her coordination as well as her muscles’ strength. Hanging ball from the ceiling is also effective on developing her motor skills by encouraging her to jump up and tap it with her palm. Anyway, use balls of different sizes, weight and textures.
When you are playing outside your home, playing bubbles is also good. Just blow bubbles and encourage her to chase after them, to pop or step on them as they float about or settle on the ground. Use a variety of materials like blocks and boxes that your child can walk, run or crawl over, under and through. Your child will learn easiest by imitation, so you should participate in the activity and demonstrate to her how to play the games.
A very good reminder for me toward my toddler is to have this always in mind.. :)
White jeans for men are a contemporary fashion statement, and this pair in traditionally fitted boot cut white denim makes that statement possible for everyone. These quality jeans tell anyone watching that the man wearing them is a confident individualist with an eye for style, an appreciation of craftsmanship and a sense of twenty-first century fashion. Gents can pair them with a blazer and an open-neck shirt in the workplace or add a colorful tank and head to the beach. They go with subdued neutral sweaters in winter and bright casual wear in the summer. When a man has to look right for a date without going over the top, white jeans are the way to go. Even guys who lounge around the house bare-footed and bare-chested in nothing but their trousers look better if those trousers are white jeans. Made of heavy 12 ounce denim with traditional rivets at the stress points and a heavy brass zipper, this pair of white jeans is destined to last well into the future and become their owner's go-too casual trousers. Available in waists from 30" to 42" and inseams from 30" to 34", these 100% cotton jeans can be dressed up and down for work, for school, for shopping or traveling. They go with almost anything, in any day to day journey. To give an aging wardrobe new life, try adding a pair of these mens' white jeans for your other half, mommies.
If your daughter is playful and couldn’t stand still, that even if she is still a bit wobbly, still insists on crawling off the bed, walking, standing up in the crib, grabbing things off the table and even wiggling out of your arms when you carry her, she is prone to accident. So, what can you do to keep her safe?
Your toddler is in her discover the world stage, and you simply cannot stop her. Mommy, it is important to childproof your house at this time. Look at your house through the eyes of a toddler and find out where you need to take precautions. Below are the most common injuries toddlers in his/her journey suffers at home:
1. Bumps, bruises, and cuts.
2. Ingestion of foreign objects such as coins, buttons, nuts, pellets, cleaning fluids, medicine, etc.
3. Drowning or near-drowning
4. Burns from electrical outlets, appliances such as flat iron, cigarette butts, hot liquids and fire.
5. And animal bites.
So, keep an extra eye-ing of your toddler and yes, always childproof!
Life insurance is something that that some people just own as standard and other people journey just have when they have to. There are many reasons why having life insurance may or may not be a good idea. It is dependent on age, but very much determined by your responsibilities in life expectancy. Life insurance appropriation is discussed in more detail below.
As a singleton
If you are not in a long term relationship and have no dependents, then you may not feel that life insurance is for you. It is something that will pay out on death and may be something that would normally be considered to provide some money for dependents if a person dies. However, it can be worth taking it out to cover the cost of a funeral or any other expenses that may occur at death. There may also be family such as parents or siblings that a person may like to have some money after they have died.
As a spouse/partner
It is more likely that life insurance will be deemed as necessary if in a relationship. There may be shared expenses that need to be covered or it may be felt that it would be a nice gesture to leave something for the partner. The life insurance could be set up to pay out a lump sum which could be used or invested or it could be set up to provide a regular income which could be very useful.
As a parent
If you have dependents, such as children, then it is likely that you will want to make sure that they are well provided for if anything happens to you. Life insurance could provide a good sum of money that will help to pay for day to day expenses. It may pay off some debts or bills or even provide an income. It can help a mommy/daddy/family with any funeral costs, inheritance tax or other expenses that may need to be covered.
As a homeowner
If you have a mortgage, then you will have to get life insurance to pay off the mortgage should you die. This will last only for the term of the mortgage and only pay out enough to cover the value of the mortgage. This is useful as the house will then be paid off so no one is left with the responsibility of having to find the money to pay the mortgage.
In retirement
In retirement it may be felt that it would be good to have some life insurance to pay out to loved ones in death. If there is not much to inherit, it could mean that there will be a nice amount of money to help those left behind.
When taking out life insurance, health and age are considered. This means that taking it out at a younger age is a lot cheaper. It is therefore worth considering this as well, when thinking about having it. It may be worth buying a home in a journey at a young age as the insurance will be less than if you do it older. It may be better to save up money to leave after you die, rather than pay life insurance in retirement which could be very expensive.
Disclosure:
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Tips and Techniques for New Moms
