3 Kids and Us

Why Is Home Health So Important for Families With Kids?

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Home health is one element of general health that unfortunately tends to go by the wayside for a lot of people. It’s important that you remember to consider your home’s health with the same seriousness that you would the health of any family member. After all, your home’s health can have a serious impact on your family’s health. For families with kids, it’s even more important. Here’s how this home health checklist can be even more influential when you have kids.

Home Health Checklist
Home Health Checklist Created By:   JES

Structural Health

You need to pay close attention to your home’s structural health in general; after all, poor structural health could lead to extremely serious concerns, including complete structural failure. However, even minor structural health concerns can be more serious when you have children in the home.

Structural health often centers around your home’s foundation. A strong home foundation is definitely ideal, but there are many potential reasons for foundation concerns. These can range from issues with the soil around your home to problems regarding the initial pouring of a concrete foundation. Regardless of the problems, it’s important to fix them because structural problems can end up causing irreversible damage without a fix.

Basement Health

Do you have a basement? If you do, you might think that the most important thing for maintaining safety in your home’s basement is ensuring your kids stay out of it. True, having a child who falls down the basement stairs could be a serious problem. However, the biggest problem could actually be issues with basement waterproofing.

Basements tend to have a reputation for issues with waterproofing. This typically occurs because the basement is below the ground’s surface and has surrounding soil that can be very wet. If water enters through the basement walls and you’re unable to get rid of it, you can have a musty smell, mold, mildew, and other problems. These can seriously impact the health of young children.

Crawl Space Health

Even homes that don’t have a basement often have a crawl space. Crawl spaces are a great way for inspectors to get in and look at things like your home’s pipes and structural supports without having to dig into the home itself. However, the problem is that crawl spaces can run into the same problems as basements, oftentimes even with waterproofing problems as well.

One big problem with crawl spaces is that many people don’t think about how much of an impact crawl spaces have on the rest of the home. Sure, you probably know that your basement and your home share air with each other, but did you know that your home gets up to 50% of its air through your crawl space? If your crawl space’s air is unhealthy, your home’s air will be unhealthy, which can cause health concerns for your whole family.

Home Concrete Health

The last element of home health to pay attention to is concrete health. Almost everyone has some form of concrete around their home. You may have concrete on your driveway, in your home’s basement, on your patio, and many more areas. If this concrete isn’t healthy, you could end up with very serious overarching problems.

Trips and falls are extremely common with concrete issues. This may be because of cracked concrete, uneven concrete, or even just concrete that doesn’t have the right grip. These can be even more prominent with children, because children can trip over even very small uneven spaces between concrete slabs.

Conclusion

All home health hazards are important for any home, but this is especially true for many homes with children. If you have children, it’s important that you keep your home as safe and secure as possible for everyone’s sake. That may mean talking to a home health expert, such as a foundation repair expert, to learn more about your home health options. Remember, your entire family lives in your home. That should be reason enough to maintain its health, even if you need to call in outside help.

How to Help Your Teen Have a Great Future

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Helping your teen navigate some of the most emotional and pivotal years of their life can be a challenging task at times. Many parents struggle with finding the right balance between giving advice and telling them what to do. You know that your teen needs to be able to figure some things out on their own, however you might also feel like you know what is best for them in certain situations. While this may be true, allowing them to find their own way with your guidance, as opposed to control, is important.

The fact of the matter is that your teen is going to have an exciting future ahead of them. If you are looking for ways in which you can help them achieve all that they can and enjoy that bright future, here are a few tips to bear in mind.

Learn to Listen

When it comes to helping your teen to have a great future, one of the most important things you can do for them is to learn how to listen. It is only by listening to your teen that you will be able to better understand the vision that they have for their own future. By learning to listen, you can offer them all the assistance and guidance that they need in order to achieve the future they are after.

Listening is also the only way to know where your teen is at right now emotionally and mentally speaking. Your teen might be dealing with struggles that haven’t been apparent to you up until now. You should pay special attention when they reach out to you and try to read between the lines when they share things with you. Many teens find it difficult to be honest with their parents about the things they are dealing with, but if you let them know that you are there to listen to them then they will be more likely to open up.

If you do find that your teen is in need of more specialized help, you can then bring them to a rehab center for teens. You will never know if such a step is necessary, though, unless you learn to listen.

Help Them Plan

In order for your teen to achieve the bright future that they envision and that you want for them, they will need to take definitive steps towards it. This means that you will both need to be on the same page about what that future looks like and what needs to be done in pursuit of it.

If your ten has a specific career in mind, what sort of degree and experience are necessary to be qualified for such a career? If they don’t know yet what they want to do with their life, are there certain areas of interest that they can explore? You might consider having them shadow a professional who is already working in one of your teen’s areas of interest.

Whatever their future holds, they will need your help to plan out the right path to that future.

Sports Are Good For Children—But Injuries Can Happen

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A Clear Tradeoff

There are many positive benefits for children involved in sporting events. For one thing, they learn to work toward a goal. For another, they learn how it’s necessary to function as a team to achieve that goal. They learn discipline in the form of regular practice so certain aspects of the sports become ingrained at the subconscious level. This also involves exercise.

With sports like ice hockey, a new skill must be learned just to play the sport—you can’t play ice hockey if you can’t skate, and you can’t ice skate well enough to be a valuable team member unless you practice. Getting the balance right involves “growing” new muscles. You’ve got to have stronger ankles and leg muscles, and you get them through skating.

Image Source: https://pixabay.com/photos/child-soccer-playing-kick-613199/ 

It may take a whole season for a young child to learn skating well enough they’re able to be a valuable part of the team; that’s one of many reasons it’s good to start children on hockey early if there’s an interest, or you want to see them get good by the time they’re teenagers. But hockey isn’t the only sport which requires those who play it to learn new skills.

Swimming is similar, and many swimming sports exist. Singular sports like biking or hiking, more appropriately athletic activities, also require new skills to be learned. But regardless of the athletic activity your young ones are getting involved with, increased physicality naturally expands the risk of injury. So there’s a clear tradeoff. But as a parent, how do you manage it?

Safeguarding Children And Preserving Positive Sporting Benefits

The benefits of sports events outweigh the potential hazards; but those hazards certainly can’t be ignored. Especially with a sport like ice hockey, between “checking”, the hardness of the ice, general clumsiness, fast-flying pucks, high tempers, and general clumsiness, it’s a greater surprise if young ones sustain no injury whatever, than if they get scuffed up a bit over the regular course of the season.

What makes sense is securing the trustworthy services of a local sports medicine physician. The thing about injuries is, their recovery may require a lot of time or a little; but there are definitely best practices. Sometimes your child will pull a muscle, or dislocate something. While they’re in definite pain, with a slight adjustment they can return to practice.


Image Source: https://pixabay.com/photos/quarterback-american-football-sport-67701/ 

Other times, a given injury might be at a level where it’s going to take a few months for the young one to recover, and then there will be physical therapy to consider. For such situations, it makes sense to secure the services of a trusted orthopedic surgeon at Ocean County; or wherever you happen to be.

When you’ve got orthopedic or sports medicine options available prior to the start of the season, recovery happens quicker, you get the right medical attention sooner, and you can probably reduce associated costs in either surgery or therapy right off the bat. You’ll know what the doctors charge, and you’ve got time to shop around—if you prepare beforehand.

Your Child’s Sports Experience Benefits Through Preparation


Image Source: https://pixabay.com/photos/heart-health-family-tree-strong-3306996/ 

So there’s a mild dichotomy to consider here. On the one hand, you want to provide your young ones the best possible opportunities as regards development. Athleticism, new skills, team building, socialization, long-term planning and preparation—sports provide such outcomes in a natural, organic way that’s fun for everyone. But injury potential exists.

You can diminish associated injury impact through acquisition of proper medical professionals from the outset. Doing things this way allows you to shop around for the best medical options, preserving your bank account by helping you avoid the emergency room when possible, while simultaneously setting your children up for success in sports.

Life insurance for parents in post pandemic UK

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The last 6 months have seen a great deal of change in the UK; home schooling became the new normal, well known brands shut their doors to the public and we spent days on end never leaving the house.

But more alarming than these changes, we have experienced a huge death toll of over 40,000 in the UK alone due to COVID-19. This unprecedented time has brought human mortality to the forefront of our attention.

This focus on the uncertainty of human life has led even more parents to seek out life insurance to protect the future financial stability of their loved ones should the worst happen to them.

But has the pandemic caused the life insurance industry to change? Should parents be taking additional precautionary steps to ensure their children are fully protected?

Keep reading to find out…

Writing your life insurance policy in trust

Whilst not a new concept, writing your life insurance policy in trust can be a huge advantage to your family if the worst were to happen to you. COVID-19 has caused significant financial strain amongst many families in the UK, making it more important than ever to ensure your loved ones receive the full benefit of a pay out.

The value of your life insurance policy automatically comprises part of your estate. In the UK, this overall value is subject to inheritance tax on anything above £325,000.

Whilst this value may seem a particularly significant amount, a £200,000 life insurance policy combined with a house worth £225,000 would subject your loved ones to £40,000 inheritance tax. And that’s before even taking into account any additional savings or investments you have in place.

Writing your life insurance in trust detaches the value of your policy from your estate, ensuring that your family will receive 100% of the sum assured, as well as reducing the remaining amount subject to inheritance tax.

The process is easy and completely free, and many insurers and brokers (such as Reassured) even provide a service to help you with the process, offering peace of mind that it has been completed accurately.

Pandemic exclusions

The good news is that many existing life insurance policies would not be affected by the recent pandemic, and that the large majority of policyholders would be covered if they were to pass away due to COVID-19.

However, some policies include a ‘pandemic exclusion’. Written into the terms and conditions of a policy, this invalidates cover if cause of death is due to a national or global pandemic. For policies with such exclusion in place, a pay out would be declined if you were to pass away from COVID-19.

The only way to determine whether or not your life protection includes such exclusion, is to review the individual terms and conditions of your cover.

Until recent events, the ‘pandemic exclusion’ has not been widely used within the industry, however, it can be strongly predicted that it will become a much more common occurrence. Therefore, when arranging life insurance cover in post pandemic UK, it is essential to review the terms and conditions of your policy – Especially with the likelihood of a second spike on the cards.

Cost of premiums

The cost of life insurance is calculated based on the likelihood of a claim being made. Insurers take into account a number of factors including age, health and more recently current world affairs. Until now, frequently visiting specific countries across the world could result in you paying higher monthly premiums due the increased risk.

However, COVID-19, whilst showing different rates across the globe, has been very prevalent on UK soil. Therefore, it is likely that arranging life insurance during the heat of the pandemic could result in you securing higher than usual life insurance premium costs.

Personal factors will still be used, meaning that your monthly costs will still be more favourable if a claim is less likely, but pandemic risk will also be taken into account. As a result, it is more important than ever to compare quotes to ensure you receive the best deal.

Conclusion

As we enter a ‘new normal’ many elements within the UK will take some adapting and life insurance is no different. As always, anyone who has some form of dependant in their life is likely to benefit from having life insurance protection in place.

It is essential to be aware of the specific terms and conditions attached to your policy and comparing various cover options to ensure you have the right protection to suit your needs.

Surrogacy in Ukraine. Cost of surrogacy and Law

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IVF (in vitro fertilization) along with surrogacy allows many couples to become happy parents. Those innovative medical techniques are great solutions for many families experiencing problems with conceiving and carrying a baby until birth in the traditional way. Also, some couples prefer to use certain medical methods due to extensive busyness and other reasons unrelated to the health condition.

Currently, American surrogacy in Ukraine is getting more and more popular because it is possible to use high-quality medical services at reasonable prices. More information on this topic is provided in this article.

Is Surrogacy Legal in Ukraine?

All fertility treatments in this country are regulated by a range of Ukrainian laws, such as The Law on Health Fundamentals of Ukraine as well as the Family and Civil Codes. Generally, surrogacy in Ukraine is allowed by law, which means that couples from the USA can find a surrogate mother in this country and use the services of professional medical centers, such as IVF group. This is one of the reasons, which makes this country attractive for international residents. Also, Ukraine is a large country with many women matching the main requirements:

  • being between 25 and 35 years old;
  • being healthy physically and mentally;
  • having at least one child;
  • having no contradictions for pregnancy.

This means that it will not be difficult to find a surrogate mother.

Another serious reason to order IVF and surrogacy in a Ukrainian medical center is relatively low costs. More information on that is provided in the section below.

How Much Does It Cost?

Many international couples find the services of IVF clinics in this country quite cheap. Although the rates depend on the medical center and program you choose, generally, the costs of IVF in Ukraine are 85% less than in the USA or other countries in Western Europe.

Usually, international couples find it much more beneficial to travel to Ukraine and cover all expenses for the procedure and living in the country than ordering the same services in the USA.

How to Find the Best Clinic?

While low prices are one of the reasons why people travel to Ukraine for an IVF procedure and surrogate mother, there are also other factors to consider for ensuring your success, including the following:

  • For how long the clinic has been operating?
  • Will it provide you with different packages to choose from?
  • Are there doctors and other medical staff speaking English?
  • Where is the clinic located?
  • What results have they achieved?
  • Do they provide any guarantees?

Conclusion

If you are looking for high-quality and affordable medical services for IVF procedures as well as surrogacy, you should definitely consider going to Ukraine. It is absolutely legal to use such services in this country, and there are reliable fertility specialists and clinics that you can choose from.

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