The Pakmag Experts in Cairns – February 2018Expert Advice
Dear Dr Bobby, when should we start cleaning our children’s teeth?
The answer is simple – as soon as the first tooth is visible! Usually the first tooth to appear is a lower front incisor, and you may even feel the tooth before you can see it, especially if you are still breastfeeding! The average age for the first tooth to appear is 6 months, however normal variation means that the age can range from birth to 1 year.
I found that, by giving my son a soft toothbrush with a tiny amount of kid’s fluoride toothpaste on it, he was quite happy to chew on the soft brush before his first tooth even appeared. So, when his first tooth came through at 7 months, he was already quite familiar and happy to have his little toothy-pegs brushed.
It’s the fluoride toothpaste that does most of the work tackling decay at this age. So, don’t sweat if you can’t get the teeth spotless every time, as long as you are using a fluoride-containing toothpaste
Dear Nardine, my partner and I have decided to separate. How do you determine who gets what financially?
There is a four-step process
Step One: Get together a list of your assets and liabilities (debts). Include everything you can think of, whether just in one person’s name or joint names.
Step Two: Look at all the things you did together over your relationship. Who paid for what? Who did what around the house? Who looked after the kids? Did you bring property into the relationship?
The court gives each party a percentage adding up to 100 per cent, according to what they have contributed.
Step Three: The Court looks at a number of different factors and decides whether to adjust the percentage decided at Step Two up or down considering things like ages and health, respective incomes and earning capacities, or whether a party has the care of a child of the marriage.
Step Four: After coming to a decision about what percentage each party should receive the court looks at whether the outcome overall, is “just and equitable”.
Of course, there are a number of factors to consider at each step, so visit www.pakmag.com.au to check out our blog, or check out the Vlog.
Dr Elizabeth Jackson
Dear Dr Liz, how can I utilise my private health insurance and Cairns Private Hospital when I give birth?
There are a number of benefits in using the private health system. On average, your stay is longer in a private hospital compared to a public hospital (4-5 days depending on your delivery). However, your obstetrician can continue your stay for as long as needed. If you and baby are both well, you can elect for an earlier discharge. Another benefit of the private system is that your partner can stay with you in hospital throughout your stay.
Outside of the hospital, there are other ways you can utilise your private insurance. Often, your private insurance will cover you for medicines, up to about $200, and visits to a number of allied health professionals, including physiotherapists who can help during pregnancy and after birth.
The private model of care involves personalised care, where you see just one obstetrician throughout your pregnancy and delivery. At the Cairns Private Hospital there is also “Know Your Midwife” (KYM) program, offering even more personalised care as well.
Dear Kelly Wealth, my family try really hard to track our spending so that we waste as little of our money as possible. Have you got any tips?
Life is complex these days – fast and all too often, far too convenient. Between tap and go, direct debits gym memberships and the morning cappuccino, having a prudent budget while still enjoying a lifestyle is challenging.
To track your spending to a budget takes discipline. Picking up that you’ve overspent as early as possible is essential. The last thing you want is to discover you’ve overspent when setting the kids up for school and then not being able to afford your rego next week.
When you are managing a family and kids, it can be tricky keeping track of your budget and it takes time. But there are some great budgeting apps available that provide direct data feeds from your bank accounts and credit cards, saving you precious time.
The better apps will give you a weekly tracking report against your budget and will let you know if you’re under or over. Another tip is to have separate ‘bills’ and ‘savings‘ bank accounts. Put amounts into each account every pay cycle, so you always know your bills are covered and you’ve got savings building up.