lifestylelink:

I covered my son for H&S with NTUC Enhanced Incomeshield. Thank goodness, but I made a mistake of not taking the rider. He just went for hernia repair and I had to pay $3k out front. :stupid: Is co-pay required for each hospitalisation or for one calendar year?

Co-insurance is payable for each hospitalisation. Deductible is by per policy year.

Does your hubby's company offer medical cover for your son?

Hi Smurf,


This is what my baby care book by the American Academy of Pediatrics have to say on lead poisoning.

\"During the first two or three years of life, your child is bound to go through a phase of putting things other than food into his mouth. He'll chew on his toys, taste the sand in the playgound, and sample the cat's food if given the opportunity. As annoying as this can be for you, few of these things will cause him any serious harm, as long as you keep poisons and sharp objects out of his reach. Lead is one dangerous substance, however, that your child can consume without your knowledge.\"

\"Contrary to popular belief, lead poisoning is not caused by chewing on a pencil or being stabbed with its point. The so-called \"lead\" in a pencil actually is harmless graphite, and there is no lead in the paint coating the outside. Lead poisoning is most often caused by eating lead contained in bits of old paint or in dirt that has been contaminated by lead, by breathing lead in the air, or by drinking water from pipes lined or soldered with lead.\"

I believe your baby should be ok. Trust me, my 3 babies have put worse things in their mouths than erasers and pencils.... :roll:

I just did a quick check on the Smoo packet and it says "milk solids". Incidentally, this milk is also recommended by the nutritionist at KKH for my niece who’s underweight.

smurf:

My 4 year old is still drinking Friso milk powder. I'm trying to stop him, prefer to let him drink fresh milk instead. but he seems to have an 'addiction' to Friso. I wonder why. I think it's because there is a sweet vanilla taste in it?

My 7 yr old girl also likes vanilla flavoured milk. You can try Smoo milk from Magnolia. It's UHT milk. My girl's been drinking that since she was four.

My 2 younger boys (3yr old & 10 mths old) are both on breastmilk. It's the best, and it's free too!! :celebrate:

mincy:

After a health scare and a day op last year, I look through my insurance and realized my insurance will just cover me less than 50k if I got some major illness or disability. After looking thought my plans, a IFA was recommending me to drop one of my life plans for a ILP plan... for more than 3 times the coverage Any body knows if that is a good idea:?

I usually advise my clients to have critical illness coverage at least 2 times your annual income (ISO22222 standard). For SAHMs, you may want to use your husband's annual income as a gauge.

It's usually not a good idea to drop existing policies to take up a new one (Replacement of Policies). Some factors to consider are:

1. you may suffer a penalty for terminating the original policy.
2. you may incur transaction costs without gaining any real benefit from replacing the policy.
3. you may not be insurable on standard terms or may have to pay a higher premium in view of higher age or the financial benefits accumulated over the years may be lost.

In your own interest, I would advise that you consult your present financial instituition before making a final decision. Hear from both sides and make a careful comparison to ensure that the replacement insurance policy is suitable for you. You can then be sure that you are making a decision that is in your best interest.

schellen:

jedamum:

[quote=\"sashimi\"] it's just that there is simply no assurance that our children can have a decent life in this world. It's all I can do to keep this single one safe and happy.

Hm...my take is, if you make the cut as a good parent, why deprive another child of your good genes and the upbringing environment? One is too little ah....

Sigh...if really have another one, dunno how cos I won't have chance to be SAHM again and I'll feel like I'm depriving second one of what I gave first one. I'll be guilty my whole life. :([/quote]I used to have the same thoughts as you...

But don't you think rather deprive the second one of what you gave first one than deprive him of a chance at life, yes?

JMHO.

St. Hilda's Primary.

My girl is very happy with her new school.


I told her just before I dropped her off at school this afternoon that I'll be visiting her again at recess time (this is the last chance parents get to see their kids at recess), she said \"Har? For what??\" **fainted**

Today, her form teacher got her to help write on the board names of the misbehaving classmates while she is away. She was so happy to be tasked to do that!

http://www.postimage.org/image.php?v=Pq1SkxVJ

My girl starting P1 next year too, but in PM session.


School starts at 1230pm. I’m planning to have her wake up by 9am, have a pack of milk (her digestive system doesn’t wake up till later), do her hw, and have brunch at 11am. Recess time is at 3pm.

Parents with kids in PM session> what’s your child’s daily schedule like?

[Moderator's note: Topics merged.]


Question.

If your maid had late breakfast (9am) and didn't want to eat at lunchtime (cos not hungry at 1pm), but later had some snacks (french fries, nuggets, fish balls) at 5pm, would you ask her to eat the very minute dinner is ready (time is 6.30pm and you are visiting your parents' place and your siblings and their families are there as well and nobody has started to eat)?

Assuming maid proceeded to eat (before her own mdm has eaten), she digs her used utensils into the dishes, ignoring the serving spoon. Anything wrong with this?