Showing posts with label Personal Finance. Show all posts
Showing posts with label Personal Finance. Show all posts

Thursday, July 21, 2011

Having a loved one in the NICU.....


If you have read my last two posts, they have been about our newest little grandson....who decided to arrive a few weeks early and is now in an NICU.  I have had folks ask me what it is like in a Neonatal Intensive Care Unit (NICU).  Well, for me personally, this is a familiar environment as I work in a hospital setting and have experience in a NICU.  However, it is a whole different ball game when you are suddenly the family member and not the health care provider. Add to that a couple of young parents who are experiencing this scenario for the first time.


So, I decided to show you what the experience is like.  There are very strict rules surrounding the NICU which are primarily for the safety and protection of the infant.  Above is the scrub sink. Everyone entering the NICU has to scrub their hands and be very, very clean.  The water is activated by a motion sensor and the bottles of 'gel' to clean your hands are activated by...


this foot pump.  (I secretly always wanted one of these for my home...but alas....it was not to be).  This is necessary so that faucets and handles are not touched and thus contaminating clean hands.


This package contains a scrubbing sponge and a nail cleaner.  These are used to scrub the hands for 3 minutes.


There are very strict procedures posted on the door....which has a special lock that can only be activated by a code for those entering.  There was also another sign that talked about cell phones.  Not only were they to be turned off so that the signal did not interfere with the life saving technology, but also they are considered to be a high infection control risk.  Think about it, these devices go everywhere with you, and have little crevices.  How many of you disinfect your cellphone?


Pain is carefully monitored and managed.  Here is the scale used to determine the infants pain level.  Pain can certainly come from needle sticks and invasive procedures like the placement of a Ventilator.  But, you may be surprised to learn that light, sound, positioning, and touch can also be painful experiences.  Consider that this baby should still be in utero and is not 'built' to be experiencing these sensations this early.


A monitor is placed on the baby's foot to monitor it's oxygen saturation levels.  Respiratory issues are very big in premature infants so this needs to monitored constantly. Little brains need oxygen.



Computer monitors shows several different measures all on one screen.  Heart rate, respirations, etc are tracked and monitored so that instantaneous changes can be made. Premature infants are very fragile.


IV's  and electrodes are also used to help monitor vital functions. It is hard for parents to see 'tubes and wires' coming from their infant. They are awkward to manage when you finally get to hold and feed your infant, but certainly can be managed.  They are lifesaving connections for their young baby.


For those infants who present with Jaundice, they are placed under UV lights as a treatment.


Little eyes are protected from the light as well.


However, as a grandparent, I am grateful to the medical professionals who use their skill and training to assist my grandson as he attempts to manage his new world. This NICU operates very differently from the units I have worked in with some aspects being positive and some being negative.  However, the end result is what matters......as my little grandson is now in the 'step-down' unit which means he is no longer in an Incubator and is in an Isolette breathing room air.  His parents now can dress him in his 'cute clothes' and do all of his cares while they are there. The last hurdle is feeding.  This little one just doesn't have the strength or endurance to take full feedings yet.....and the coming weeks will be focused on this very important skill.

Finally, these kids have great insurance.  As a former manager.....I subconsciously look at the costs of things at times.  As I visited the NICU with my adult children and saw the one-on-one staffing for my grandson, the instrumentation, medications, etc....the numbers added up very quickly.  I wouldn't be surprised if their bill to date was now in the hundreds of thousands.  However, the portion owed by this infants parents is doable.  So, now here is a soapbox message......you need health insurance!  This is a very important part of being self-reliant and prepared.  Imagine if these parents did not have insurance.  How could they have foreseen an a premature infants arrival?  This bill alone could have bankrupted them.  So, be loving enough to your family to protect them. Look at your means and make the choice to be financially prepared by having health insurance.  You never know when you need to rely on it.....as my adult children found out this past week.

Wednesday, April 13, 2011

Go Irvine Stake!!!!

This is a great video that I have seen in a couple of places.  It is from the Irvine Stake.  If you ever thought Food Storage does not apply to you....you are not understanding the Commandment.

I love that this Stake has organized itself to help their members obtain and learn how to use Food Storage Staples.  They even have classes and an interactive Cookbook.  I love when a plan comes together....Kudo's to Irvine Stake.

http://foodstoragepreparation.blogspot.com/  (Interactive Cookbook)

Friday, February 4, 2011

"Prepared....not Scared"

Hi all!  I am hoping that everyone is well and trying to stay warm during this very cold winter.  The LRH reads many blogs, mostly because I love to learn. However, there is a wonderful blog called Prepared Not Scared.  Not only does she have wonderful ideas, but great graphics.  Today, she is sharing (which is amazing) her entire Vital records program. This is a great group of forms to organize your important information.  Check out her post.  If I am right, you may want to visit her blog more often.

Prepared Not Scared....Vital Records

Tuesday, September 1, 2009

It's a matter of .....Personal Finance


Bryan Sudweeks

This post is a continuation of the information Bryan Sudweeks presented at Education Week at BYU Campus in Provo 2009. Today's topic is "Myths of Family Finance" (Information for this post comes from http://ce.byu.edu/cw/family/pdf/Bryan%20Sudweeks-Myths.pdf).

Myth 1: Everything I Have Is Mine: C. S. Lewis, in his Screwtape Letters, had the
devil Screwtape say: “The sense of ownership in general is always to be encouraged. The humans are always putting up claims to ownership which sound equally funny in Heaven and in Hell and we must keep them doing so…. we teach this sense of ownership not only by pride but by confusion. We teach them not to notice the differences . . . that run from ‘my boot’ through ‘my dog,’. . . to ‘my God’ ” (Screwtape Letters, HarperCollins, San Francisco, 2000, pp. 113-114).

But the reality is different! Nothing we have is our own—it’s all God’s. As such, there should be no feeling of pride for the things we have, are, or will become. These things do not belong to us, but are on loan.

Myth 2: Money Matters Are Temporal Matters: Many think money matters are only temporal matters. They feel that how they manage their money has nothing to do with their spirituality. But the reality is different! Money matters are spiritual matters because:

1. All things are spiritual. In D&C 29:34 the Lord says, “All things unto me are spiritual, and not at any time have I given unto you a law which was temporal.”

2. Money is a medium of exchange The same currency that we go into debt with builds our temples

3. Money is a tool to teach gospel principles. Money is a tool to teach us many hings, including sacrifice, discipline, and work.sacrifice, discipline, and work.

4. There is no true freedom without financial freedom. President Ezra Taft Benson said: “The Lord desires his Saints to be free and independent in the critical days ahead. But no man is truly free who is in financial bondage” (“Prepare Ye,” Ensign, January 1974, p. 69).

5. The Lord wants and will help us to be wiser financial stewards. The Lord said:"Behold it is my will that you shall pay all your debts. And it is my will that you shall humble yourselves before me, and obtain this blessing by your diligence and humility and the prayer of faith. And inasmuch as you are diligent and humble, and exercise the prayer of faith, behold, I will soften the hearts of those to whom you are in debt, until I shall send means unto you for your deliverance”

Myth 3: Credit Card and Consumer Debt Are Okay: It is okay for me to go into debt for things, especially things I really want. But the reality is different!

President James E. Faust stated: “Over the years the wise counsel of our leaders has been to avoid debt except for the purchase of a home or to pay for an education. I have not heard any of the prophets change this counsel” (“Doing the Best Things in the Worst Times,” Ensign, August 1984, p. 41). Sadly, consumer and credit card debt are not
included in that short list of acceptable debt. Credit cards are fine if we pay them off each month. Reality: Debt Is Dumb.

Myth 4: I Pay My Tithing, I Have Nothing to Worry About Financially: But the reality is different!

The prophet Malachi promised that God will open the windows of heaven. However, there is no promise that the windows of heaven will be financial blessings or that paying tithing will eliminate all our financial problems.
• We still are stewards over what we have and are.
• We still must learn to live in this increasingly challenging and technical financial world.
• There are more commandments which relate to finances than just paying your tithing, i.e., live within your means, build a reserve; prepare for retirement, missions, and education.


Myth 5: There Are No Good Sources of Personal Finance Information: But the reality is different!

There are many sources of good information. It just takes time to sort them out. The BYU Marriott School of Management’s Personal Finance Web site at http://personalfinance.byu.net/. It has a host of lessons, manuals, and great
information.


As families, talk with your spouse and children about these fundamental Myths and Principals. Use the website above to find wonderful information to help you weather the economic storms and become financially independent.

Sunday, August 23, 2009

Education Week in review...Personal Finance by Bryan Sudweeks

(Image courtesy of marriottschool.byu.edu)


As noted in the previous post, I attended Education Week at BYU Provo. I am sharing some of the wonderful things that I had the opportunity to learn. This post deals with information from Bryan Sudweek's class entitled "Provident Living: Another Perspective on Wealth". The information below is taken from: http://personalfinance.byu.edu/files/Freshman%20College%20Course%20Manual.pdf


The purpose of this section is to articulate “another” perspective on wealth, this eternal perspective. This perspective is critical for us to understand and it has a major influence on how we make choices.


Because of our eternal perspective, we understand things differently, view events differently, and, hopefully, act differently in respect to our families, our friends, and our personal finances. This perspective will make a major difference in how we live our lives.


Principle 1: Ownership: Everything we have or will have is the Lord’s.
Nothing we have is our own—it is all God’s. As such, there should be no feeling of pride for the
things we have or are. These things do not belong to us, but are on loan from a loving Heavenly Father and Son. The things we have now or ever will have are really not ours. There should be no feeling of pride for the things we have, who we are, or who we will become. Rather, these blessings should encourage us to greater obedience to God’s commandments as we realize that all we have and are are gifts from a generous Father and Son.


Principle 2: Stewardship: We are stewards over all the Lord has shared with us.
Being blessed with material things in life should not be seen just as a blessing, but as a responsibility. In the future, we will all have to give an account of our stewardship to the Father and Son. As wise stewards, it is our responsibility to learn everything we can about our stewardship so that we can manage our stewardship to the best of our abilities. The purpose of this Web site is to help you understand and manage your stewardship better as it relates to personal finance.


Principle 3: Agency: The gift of “choice” is one of the greatest gifts of God

The gift of agency was such an important subject that a war was fought in heaven because Satan sought “to destroy the agency of man” (Moses 4:3). We should do everything in our power to thank a loving Father and Son for this wonderful right to choose—and then use that agency as
wisely as we can.


Principle 4: Accountability: We shall be held accountable for every choice we make.
On the subject of what’s really ours, Elder Neal A. Maxwell stated:

The submission of one’s will is really the only uniquely personal thing we have to place on God’s altar. The many other things we “give,” brothers and sisters, are actually the things He has already given or loaned to us. However, when you and I finally submit ourselves, by letting our individual wills be swallowed up in God’s will, then we are really giving something to Him! It is the only possession which is truly ours to give! (Neal A. Maxwell, “Swallowed Up in the Will of the Father,” Ensign, Nov. 1995, 22)



These four principles establish a spiritual foundation for understanding wealth that is based on
our dependence on God and our need for financial self-reliance to fulfill His purposes. Everything we have is God’s, and the things we receive are all blessings from Him. They are not ours, but they have been given to us as a stewardship for which we can make choices. We should choose well, as we shall be held responsible for what we do by our Father in Heaven.

There is more to learn from Brother Sudweeks in future posts. Isn't it interesting that human nature spurs many on to feel as if they have ownership, but no stewardship to the Lord. Brother Sudweeks shared his personal belief that he feels that we will have to account for every dollar we have been blessed with to the Lord....as everything is ultimately His. This gave me great pause. More to come!

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