Mystic Madness
Mystic Madness
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Posted: 03 Nov 2013 08:55 AM PST Just like any other human beings, babies can also fall sick or even die. Taking care of a baby can be very challenging and daunting. The way a baby is looked after during sickness is not the same way an adult or a teenager or even a grown up child is taken care of. This is because you have to provide the physical, emotional and medical needs of the baby. Babies cannot express themselves and this makes it very difficult for parents to find out what actually is wrong or what their sick babies need at a particular time. Dealing with siblings If you have other children, it will be more difficult and challenging for you because you have to also provide for the needs of the sibling. Your children should not stop going to school or doing some of the normal routine. However, you should talk to them to let them know that your baby is sick. If you are not going to take them to school or bring them home after school, you should also let them know that you will not be able to take them to or bring them back from school. Make arrangement for that and let them know who will do that for you. It is also good for you to let their school teachers know that you may slack in your school run. Call for the help of your relative If your baby is admitted, you should ask any of your relatives or friend to look after your children for you if you cannot hire a nanny to do that for you. If your husband is good at doing domestic work, you can discuss with him to see the possibility of him taking up that role in your absence. Ask for permission in your office As it has been said, a baby needs to be emotionally taken care of when he or she is sick. So, even if you have a nanny, it is also important that you be around to provide for that motherly emotional care to your baby. But this may be very challenging and difficult for mothers that are working. If you are employed, you should let your employer know that your baby is sick and ask for permission to attend to the baby. Do not abstain from work without letting your employer know. If it is a matter of emergence, try to call your employer on phone to intimate him or her of the condition of your baby and that you will not able to go to work. Know when to visit a pediatrician It is not every sickness that requires a hospital visit. If you baby is having minor cold, you can get some cold relief medications from a pharmacy and administer to the baby. But make sure that you let the pharmacist know that you are giving the medicine to a baby. However, you should know when a baby needs to be taken to hospital for medical treatment. The above are some of the things that you should do when a baby is sick. Related posts:
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Diagnosing Your Baby’s Illness Posted: 03 Nov 2013 11:43 PM PST Definitely, if your baby has fever or is not eating well, you will not feel comfortable. You will be confused at the initial time not knowing whether to call a pediatrician or to buy drug from a pharmacy. Such situation is normally frightening and disturbing since you cannot tell exactly what is wrong with the baby or how the baby is feeling. What you know for sure is that your baby has fever or fusses or does not eat well. But even if you are taking your baby to a hospital, you should also be able to describe how the baby is feeling. Below is what you should know as a parent. Getting prepared Every human being can become ill including children. So, if you have a baby, you should prepare for such situations. The best way to get ready for that is to take time to learn about illnesses common to babies, how to administer medications to babies and what to do during emergency situations. If you are able to learn these, you will be able to diagnose your baby’s illness or explaining to a doctor what is happening to your baby. However, remember, you are not a doctor. So, don’t start administering medications to your baby without prescription. Below are necessary steps to take in order to get ready for illness or accidents. Know phone number child’s healthcare givers You should have the phone numbers including office and after-hour services of child healthcare giver you may need during emergency. Such individuals or offices include your pediatrician, fire department, children hospitals in your locality, local poison control center and ambulance service. Register these numbers in your cell phone and write them down in your address book. Paste them on your baby’s room and inform your nanny about it. Learn emergence procedures You should ask your doctors to explain common ailments treatments to you and also tell you what you should do during emergence situation. You should also ask the doctor to prescribe medications for common late night illness for you. Buy the medicines and keep them in your first aid box. Find out from your doctor what you should do during emergence like when your baby drinks poison or eat some pills. Register for first aid courses Many parents may not consider registering for a first aid courses necessary but it is highly important. This is because these emergencies are virtually impossible to avoid. So, you should get ready for them. Some of the things to learn during emergence include Heilmlich maneuver (for choking) and cardiopulmonary resuscitation (CPR). Some programs only provide instructions for children. But you should undertake courses that also provide instructions for children and adult. Be courageous During emergence, most parents tend to panic. Obviously, panicking will not solve the problem for you. Rather, it will worsen it. You can make mistakes if you panic. Besides, if you have other children, you will create tension in them if you panic so much. So, the best approach is to remain calm. Related posts: |
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Going for a Hospital Visit with Your Baby Posted: 05 Nov 2013 12:06 AM PST Most parents just visit the hospital anytime their babies become sick without doing the essential things they are supposed to do. The first thing that you should do is to discuss with your doctor to find out symptoms and sickness that calls for emergencies and those that can be looked into during the normal working hour. This will help to avoid creating unnecessary tension to your pediatrician. The doctor will explain everything to you. Try to abide by the instructions of the doctor. If the health condition of your baby warrants that you should call the doctor even during after-hours, you should get ready to respond to the numerous questions the doctor will ask you. So, have some information ready to help you answer the doctor’s question. Calling the doctor Most parents don’t respect their doctor’s instruction and they call anytime they want. But this is not actually what it should be. First thing that you should know is that your doctor can solve some of the problem through the phone. If you made up your mind to call your doctor, then you should call the doctor on time when pharmacies are still open so that if the doctors make any prescription for you over the phone, you can still find a drugstore or pharmacy that is open. Most pharmacies, dispensaries or drugstore do not run till daybreak. Take the time in which the sickness starts into consideration. Normally, most sicknesses tend to worsen during the night time. So, if your baby’s condition changes in the evening for example, don’t think it will get better at night. It will definitely become worse at night. Therefore, you should call the doctor immediately if you cannot handle it. Tell the doctor exactly what you want When talking with your doctor over the phone, it is good that you tell the doctor what exactly you want. If you want him or her to see your baby, kindly plead with him or her to see your baby instead of keeping quite. Questions that your doctor may likely ask you Whether you are talking with the doctor on phone or in his/her office, he or she will definitely ask you some question about the symptoms in order to diagnose the illness. What is happening to your baby? Most people will likely see this question as a foolish one indeed. But what the doctor actually wants to know is the condition of your baby, how is the baby feeding, breathing, urinating, defecating and the likes. This means that you should take note of the general condition of your baby before calling the doctor. Don’t guess any answer or you risk getting a wrong prescription for your baby. Why do you decide to call the doctor? The doctor here wants to know the frightening symptoms that you observe that makes you to call him/her. Such symptoms include high fever, difficult breathing, nausea, fatigue and the likes. What do you think is wrong with your baby? The doctor wants to find out the origin of the sickness. May be the child fell down, ate some pills and the like. It could be possible there is an outbreak of some contagious illness in your home. Tell the doctor what you think. Answering these questions well will enable the doctor to you the right prescription. Related posts: |
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Posted: 05 Nov 2013 10:11 PM PST Definitely, there is no parent that will like her baby to have fever. Such medical condition makes mothers to be restless until their babies become well again. Some parents tend to be too apprehensive when their babies have fever. Though it is not good for a little child to have fever, but it is not an abnormal situation that is incurable. It can be treated. As a mother, you should know what to do when your baby has fear. Of course, you should discover that by yourself. Your baby cannot tell you that he or she is having fever because the little creature cannot yet express himself or herself. Related posts: |
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Posted: 07 Nov 2013 12:08 AM PST Most people have not actually understood why they should buy an insurance policy. They tend to think that the insurance companies are deceiving people and using them to make money. Indeed, it is ignorance that makes them to think like that. Indeed, insurance of any type gives a lot of benefits to the policyholders. The only mistakes some policyholders make is to buy policy that they do not actually. Such policyholders stand to gain nothing from their policy. But if you buy the right insurance package, you will gain a lot from it. Before explaining the benefits that you will gain from getting yourself, children or property insured, it will be nice to briefly explain what insurance is all about. What is insurance? Insurance is an agreement between a policyholder also known as the insured (which can be an individual or an organization, business, institution and groups of any type) and the insurance company also known as the insured in which the insured paid the insurer to bear a specific type of risk stipulated in the policy for him or her or the organization. The condition governing the agreement is stipulated in the insurance policy. The policy is a legal document and so its content is legally binding on both parties. The insurance company will pay compensation to the insured at event of any damage and losses as stipulated in the policy. The Islamic religion has its form of insurance known as the Takaful. It has the same purpose and benefits with ordinary insurance even though it is based on the principles of Shariah. What will you gain by buying insurance? Life is full of risks, ups and downs. This means that there is nothing in life that has no risk. It is the prayer and desire of everybody not to have any misfortune. But nobody can say with certainty that they will be free from vicissitude of life. You can have a booming business today and tomorrow you are declared bankrupt. You can be active and healthy today and tomorrow, you are diagnosed with a life threatening illness. The reality of life misfortune and its uncertainty is one of the reasons why you should consider buying an insurance policy. Insurance policy protects you or your business against any misfortune. However, there are different types of insurance policies such as business, auto, fire, health, life and accident insurance. Each of these policies is meant to cover the policyholders against a particular type of risk or misfortune. Risk such as fire outbreak, accidents, illnesses, death and others can put a person under serious condition. Some risks can render you penniless. If you buy an insurance policy, it means that another person will bear the risk for you if it occurs in your life. Some risks such as accidents can affect another person causing you to pay compensation for injury done to another. Claims for person injury or the likes are usually huge. But if you have an insurance coverage you will be protected from such injury. Note! It is better to examine the benefits of each type of insurance policy than to examining it generally. |
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Understanding Business Insurance Posted: 08 Nov 2013 01:29 AM PST As implicit from the name, business insurance is a type of insurance in which a business protects itself and assets against operational losses by paying an insurance company to bear any risk the business may encounter. The insurance company will pay compensation to the business if it has any loss as stipulated in the policy. There are various types of risks and losses that a business may incur. The insurance company will only pay compensation for losses or risks stipulated in the policy. The insurance policy is a legal document and it therefore binds on each of the parties that signed it (the insured and insurer). Types of business insurance Business insurance is of various types. It is the loss or risk covered in a policy that distinguishes it from other types of business insurance policies. Below are some of the types of business insurance policies. Key person insurance This is a type of business insurance policy that covers the key person in a business. It is believed that the business will collapse if its major personnel like the proprietor suffer any loss which may be in form of a disability or death. The insurance company will pay compensation to the business for such misfortune. The business can use the benefit to train or hire other professionals. General liability insurance Sometimes businesses are liquidated or declared bankrupt owing to claims made against it as a result of negligence, bodily injury, personal error, manufacturing error and the likes. In other to avoid collapsing as a result of these types of misfortune, businesses buy liability insurance to cover itself against any form of liability. Some liability insurance policies also cover legal expenses. Product liability This is a type of business insurance that protects a business against claims and injury resulting from faulty products. Faulty products can cause deaths, injury and damage to consumers and this can cause a company to pay huge compensation to the people affected. Sometimes, such claims can cause a company to be bankrupt. But product liability will protect a company against such loss. Buying business insurance As it has been said above, business insurance is a household name for different types of insurance policies which a business can buy. However, given the fact every business has its unique needs, the type of business insurance suitable for a business may not be the type of business insurance another business will need. So, If you are planning to buy a business insurance policy, there are several factors that you should take into consideration. Below are some of the points to consider. · Learn about the various types of business insurance policies · Analyze your business risks in order to determine the type of business insurance that will suit it · Hire a professional to enable you decide on the right type · Look for a reliable insurance company to buy the policy from (There are many insurance companies that offer different kinds of business insurance policies. So, you need to shop around in order to find a reliable company). Related posts: |
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Posted: 09 Nov 2013 02:12 AM PST There are various types of risks that a business can face and so, there are various types of business insurance coverage a business can buy in order to protect itself against those risks. In fact, business insurance is just a household name for these numerous types of insurance a business can buy. If you are a business owner, you should not leave your business unprotected. Just find an insurance policy that will meet your need and then buy it. Below are some of the business insurance policies that you should buy. General liability insurance This is a type of business insurance that protect a business against lawsuits or claims resulting from negligence, accidents and injuries of various types, false advertisement, slander and the like. Depending on the stipulation of the insurance policy, the insurer can pay for the legal expenses and the damages resulting from the lawsuits. Professional liability insurance This type of business insurance policy is also known as errors and omissions insurance. It is a veritable option for a business that is providing services. It covers a service providing business from errors, omissions, negligence, malpractice and the likes that caused the customer some damage. A typical example of the industry that will require this type of insurance policy is a hospital. Product liability insurance This is a type of business insurance design for manufacturing companies. Defective products as a result of manufacturing errors can cause harm to consumers who can make claims on the product producer. Product liability insurance covers a producing or manufacturing company against claims or lawsuit arising from manufacturing error or defective products which cause injury to consumers. Commercial auto insurance Vehicles are very important in the doing of businesses today. You can hardly find a business that has no car specifically used for the doing of the business. However, auto accident can occur at anytime even if you have the best driver. Auto accidents may result in death or injury. Claims for such injuries or death are normally huge. Commercial auto insurance is a type of insurance policy that protects a business against claims and lawsuits resulting from injury done to another person in auto accident. Commercial auto insurance also covers a business against damage to another person’s property resulting from auto crash. Commercial property insurance This is a type of business insurance that covers the properties of a business against risks leading to damage or loss of the business’ property. There are a number of occurrences that can cause damage to a business property. Such occurrences include fire outbreak, wind, vandalism, smoke, hail storms, civil disobedience and others. There are basically two types of commercial property insurance, namely, all risk policies and peril-specific policies. In the former a lot of risks are covered except risk excluded by the policy. In the latter, only risks listed in the policy are covered. Other types of business insurance are · home-based business insurance · workman compensation insurance · umbrella policies and many more Each type has its own benefits and drawback as well. Related posts: |
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Personal Insurance at a Glance Posted: 10 Nov 2013 04:09 AM PST Personal insurance is a type of insurance that protects a person and his family against death, injury, illness, loss ability to work and any other similar misfortunes. The insurance company will pay the insured a lump sum to take care of their daily needs if any of the misfortunes stipulated on the insurance police befalls the insured. With the fund provided by the insurance company, the insured will be able to look after the family without having to borrow money or sell his property. Related posts: |
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Posted: 11 Nov 2013 02:05 AM PST Personal insurance which is a type of insurance policy that protects a person and his/her family against unfortunate occurrences that can cause financial difficulty is of different types. Below are some important types of personal insurance that you should know. Life insurance This is the only type of personal insurance that does not actually benefit the policyholder but the family of the policyholder or any person indicated in the policy by the policyholder. The term life insurance does not really capture the meaning of this type of insurance. It is a type of insurance in which the beneficiary of the policy is paid a lump sum at the death of the policyholder. The beneficiary is stipulated in the policy by the policyholder. With the lump sum, the beneficiary, which in most cases is the family members, children or dependant of the policy, can prepare for the funeral of the policyholder, take care of their expenses and complete their school. The policyholder can also decide to use an organization as the beneficiary or even a business. The organization or the business will receive the large sum at the death of the policyholder. This type of personal insurance is not suitable for everyone. Parents with tender children or whose works expose them to danger should consider buying this type of insurance policy. Life insurance policy is of various types such as term life insurance. Each type has its own uniqueness, features, benefits and drawbacks. Before you opt for any of them, it is important that you know their features, benefits and drawbacks in order to determine which one will suit you best. Hospital and surgical personal insurance Just like healthcare insurance, this type of insurance policy pays all or some parts of the medical expenses of the policyholder. The policy stipulates what the insurance company will pay for. In some policy, the insurance company provides funds only for some part of medical expenses. But some policies are comprehensive, meaning that all the medical bills incurred by the policyholder including consultation fees and post-hospitalization fees as well as surgical expenses are all paid by the insurance company. Given that any person can fall, this type of insurance is suitable for any person whether married or single. However, people who are leaving a lifestyle that exposes them to certain health condition should opt for this type of personal insurance. Critical illness personal insurance As implicit from the name, this type of personal insurance provides fund for people suffering critical and life threatening illnesses like cancer, heart disease stroke, diabetes and others to take care of themselves. Managing such critical illnesses can be very expensive but with the fund provided by the insurance company, the policyholder will be able to manage the sickness. This type of insurance policy is suitable for people who have reach 40 years. Other popular types of personal insurance include: · Long term care insurance designed for people that are no longer able to take care of themselves · Disability income insurance which provides fund for people who can no longer work as a result of illness or accident · Personal accident insurance which provides policyholder the fund to pay for hospital expenses and take care of his/her personal needs if he/she is involved in accident that disabled him or her partially or permanently Related posts: |
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Choosing a Financial Consultant Posted: 12 Nov 2013 01:28 AM PST Poor management strategy has caused many people a lot. A lot of individuals and businesses have become bankrupt because of poor management skills. Indeed, money can easily be lost if it is not well managed. But when you apply the right money strategy, the little money you have will give you good return. If you borrow money in order to invest it in a business or you made some savings and you want to reasonably invest it, you should consider hiring the services of a financial consultant. Financial consultant also known as financial advisor or planner is an expert in financial management who offer well thought out and useful advice on best money management practices to individual investors, business, institutions, organizations and government agencies. They offer advice to people or businesses that hire them on issues bothering on financial management including but not limited to management plan, retirement advice, debt management plan, guidelines on how save or create a saving plan. Just like in other fields of human endeavors, there are many businesses and individuals that offer financial and money management advice. But as normal in life, some are better in many aspects than others. So, if you want to hire a financial advisor, you should be cautious when searching for one. Always look out for a well trained, experienced and reliable financial consultant who will offer you sound advice that will be helpful to you. Below are some of the tips that you should apply in order to hire a reliable one. Hire a certified financial consultant Financial consultant can help you to rake in dollar and make huge returns from your investments. On the contrary, if you hire a bad financial consultant, you will not be well guided. Poor money management advice can cause you a lot of money or fortune. This is why it is important that you hire a certified financial advisor. Before a person or business is certified, it has to meet the requirements set out by the satisfying body. Sometimes, the requirements can be very tough and too demanding. So, for a financial advisor to be certified is an indication that the person knows what he is doing. Check the reputation of the financial advisor Before you hire a financial advisor, you should try to find out how reputable and reliable the company is. Having years of experience is not the same thing as having reputation. A financial advisor may be experienced but have history of delay, violation of contract and confidentiality and the likes. Going for a reliable financial consultant should mean a lot for you. Do not concentrate on experience and expertise when searching for a financial consultant. You should also take time to read the reviews of the financial advisor to know how reliable the person is.
As for recommendation Probably, some of your friends and colleagues have hired such services in the past before. So, you can also find out from them what their experiences are and how they went about it. The information you got from them will be of help to you. |
