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.
It is our duty to God that we take care of ourselves. However, we should never overdo it. The parents’ duty is not limited to coaching children to love and care for others. Even more important is teaching them to be humane, to be sensitive to others’ feeling and to respect the dignity of each individual.
Encouraging children to share their toys is a golden opportunity to plant the seed of sharing. Seeing adults giving away old clothes and toys, children learn to be generous to the less fortunate. During dinner time, in cases where family cannot dine together, parents can teach sharing by getting aside food for the late-eaters.
At a young age, children should learn to get along with siblings and friends. During their teens they should be encouraged to join school clubs and civic groups. These provide the children opportunities for learning to cooperate and to coordinate with others.
Nowadays, mostly both parents are working in order to live comfortable, to sustain the needs of the family and in order to send their children to a good school. However, there are some disadvantages of over-delegating task to the caregiver or to the school, to watch out their children's manner and to care with them at home is not an obligation of the caregiver anymore (unless if one of the parents is the caregiver as as well -- or she's the one taking care of the child, mostly a mom which is often called as stay-at-home-mom) but it is the the parents obligation! On the other side, if you're delegating (should I say, over-delegating) your task to other person (or the caregiver), the effect to the children on that case is that they are more comfortable with their nanny(ies) than to the their parents, the worst case is that the child won’t go anymore with their mom and dad but they want more to be accompanied with their nannies. That’s why even once a week you must have time with your family, family bonding is needed, in order for your children to feel that you are not too far from them.
A thought of family bonding is up to you couples. You can make your very own bonding on your very own ways that both of you will be satisfied in all ways.
Disclosure:
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Common Injuries for Toddlers at Home
