Last month was an extremely joyful day for our family as we have our new addition baby boy. So I decided to compile the monetary cost of bringing him to this world. Refer to my earlier post in Dec 2014 when we had our last child.
Actual costs from prenatal to delivery
Below is a table comparing our 3 of our kids.
Variations in costs
Ward Type / Days Stay
*
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My wife
only stayed 2 days in the hospital which is considerably short. In fact, mummy is so healthy
that she is only required to stay 1 day, but we decided to extend another day to
spend more time with baby, who was required to be transferred to NICU.
only stayed 2 days in the hospital which is considerably short. In fact, mummy is so healthy
that she is only required to stay 1 day, but we decided to extend another day to
spend more time with baby, who was required to be transferred to NICU.
NICU
By
some strange and non-convincing diagnosis of the doctor, baby is required to
stay in the NICU, which wife and me never really approve on initially. I was definitely not impressed
by the doctors (2 PDs I consulted) and had quite a heated conversation with the
doctors.
some strange and non-convincing diagnosis of the doctor, baby is required to
stay in the NICU, which wife and me never really approve on initially. I was definitely not impressed
by the doctors (2 PDs I consulted) and had quite a heated conversation with the
doctors.
Anyway
it is a long story, and by some supernatural reason unexplainable, we heard “voices” that our baby need to be in NICU, so that we can finish what
we were assigned to do there. Me and wife were then so joyful in NICU after knowing
the “truth”, as we conveyed blessings to other parents, babies and nurses in the NICU room.
it is a long story, and by some supernatural reason unexplainable, we heard “voices” that our baby need to be in NICU, so that we can finish what
we were assigned to do there. Me and wife were then so joyful in NICU after knowing
the “truth”, as we conveyed blessings to other parents, babies and nurses in the NICU room.
Monetary
wise, it is >$1000 lumpsum (incl. treatment) in NICU at least. Our baby stayed there for 5 days in total.
wise, it is >$1000 lumpsum (incl. treatment) in NICU at least. Our baby stayed there for 5 days in total.
My
baby NICU treatment was already considered mild. There was a Filipino parent who I become
acquainted with and given him some encouragement. He was always very gloomy there, because his baby is significantly prematurely delivered only weighing 1kg or so. The estimated NICU stay is 30 days or more with more sophisticated
treatment. And you can also estimate his bill then. Haiz……
baby NICU treatment was already considered mild. There was a Filipino parent who I become
acquainted with and given him some encouragement. He was always very gloomy there, because his baby is significantly prematurely delivered only weighing 1kg or so. The estimated NICU stay is 30 days or more with more sophisticated
treatment. And you can also estimate his bill then. Haiz……
Birth Type
We
always believe in natural birth since this is how woman is created to give birth. My wife’s delivery is definitely the cheapest because she had skipped all the unnatural use of operative procedures and all medications.
always believe in natural birth since this is how woman is created to give birth. My wife’s delivery is definitely the cheapest because she had skipped all the unnatural use of operative procedures and all medications.
Test
Due to the “so-called” advancement of the medical technology, there are so many tests since our
last baby. Even daddy need to do blood test, which I refused to do anyway. We
also skipped almost all optional tests including OSCAR test, which will cost much more than our bills.
last baby. Even daddy need to do blood test, which I refused to do anyway. We
also skipped almost all optional tests including OSCAR test, which will cost much more than our bills.
Doctors’ Fees
Given
the same Gynae as the delivery in 2014, we witness huge inflation of doctors’
fee (~30 to 40%).
the same Gynae as the delivery in 2014, we witness huge inflation of doctors’
fee (~30 to 40%).
Rolf’s Summary
Overall, I expect it will cost S$15k
+/- for prenatal, delivery and pediatric charges in a private
hospital depending on various factors in the present time.
+/- for prenatal, delivery and pediatric charges in a private
hospital depending on various factors in the present time.
Because of our baby NICU saga, we paid more of
course, but it will be offset by the baby bonus, since this is our 4th
baby.
course, but it will be offset by the baby bonus, since this is our 4th
baby.
Inflation is definitely quite absurd nowadays in
hospital. The whatever addition that government is trying to give in bonuses, in my opinion,
is only sufficient to cover inflation. Or probably even not enough, considering
the education fees had all inflated too.
hospital. The whatever addition that government is trying to give in bonuses, in my opinion,
is only sufficient to cover inflation. Or probably even not enough, considering
the education fees had all inflated too.
Overall, a cash outlay ranging of S$10K
+/- is expected, excluding all the baby bonuses.
+/- is expected, excluding all the baby bonuses.
We are thankful
My wife and baby are so healthy now.
We are so thankful. Wife is almost all-recovered now. In fact, her delivery and recovery were all supernatural despite not having all the “necessary” medication. No epidural, no laughing gas, and even no big scream, and within less than 24h, she walks normally and was given permission to discharge. 2 days after delivery, we were already shopping and having cafe and outside food, and she is also bathing everyday since then.
Now, close to 1 month later, she is in perfect health, breastfeeding and taking care of baby by herself.
Baby is as healthy now since he was discharged.
The PD who predicted our baby needing to stay at least 14 days or more in the NICU had to keep the mouth tight, as our baby was discharged immediately after me and mummy finished “what we were assigned need to do there”, which lasted 5 days in total. Both PD and Gynae were amazed by baby and mummy’s recovery.
We are thankful once again.
So,
are you considering having a baby in 2018?
are you considering having a baby in 2018?
Formula milk inflation is too scary!
Hi CW, yeah indeed. Nice for dropping by. 🙂
There are really serious inflation in things we do not really come to know of such as baby milk or hospital charges like we mentioned. But also in many other things that is slowly creeping up which we tend to ignore in our daily life.
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Hi Rolf,
Congrats! Your family getting bigger and bigger and more blessed than ever 🙂
My wife also went through natural birth without as much medical intervention as possible (which is very hard to do these days). But really scary, the escalating cost of birth. Crazy…
Glad all is well!
Hi LP
Congrats too. So joyful for u and may the most High's blessings be upon you n ur family.
Wife told me her factory is still open. hahahaha
Glad to hear about you little prince, bcos if i rem correctly, once upon a time, a child is not really in ur prioritized radar. But now… thank God for it. 🙂
Yesh! Also happy that ur wife went thru natural birth w/o much med.
Since now we rejoiced in the children, perhaps together with CW n u, we may have become contrarians in the financial blogosphere!
Anyway for me, as always – past, now n in future, without any shadow of doubt, I am convicted that children are always blessings infinitely more than the winnings in stocks.
Therefore let us spend more time in our family than in our work or our stocks.
LOL!
Rolf, all the very best for you and your enlarged family. Wish you happy and wonder-filled times together.
Hi Andy, thanks for the well-wishes.
Despite lesser time for me and wife and added strain on the finance, we are very happy with the enlarged family.
May all blessings and peace be upon u n family too. Cheers.
Hi Rolf,
Congratulations on the birth of your new boy and thanks for sharing something so personal.
Wishing your family and you well in all things you do in your life, health and happiness always.
Hi Derek,
No problem with the sharing, hopefully it gives an idea of the baby cost delivery cost in Sg.
Thanks for the well wishes and I wish the same happiness in health and relationship for you too. 🙂
Hi Rolf,
Congrats, you and your wife are so brave to take on another child! Hahaha, they are indeed a bundle of joy but please don't forget to kiss and hug your wife too. NICU looks so expensive, but glad everything works out fine 🙂
Jiayou during these first few months!
Hi Jes,
Yes. It's a indeed a decision that needs some good courage to overcome the tiredness in the first few months or even first few years. But it should be fine, as we are looking forward to the forward fruits of joy in time to come.
I hope that your girl is growing up well too.
Jiayin for your next addition too! 🙂
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Congratulations on your new baby. I commend you for being such a productive Singaporean. It is good to see able Singaporeans like you stepping up to have more :). I have more than 1 child but not as productive as you. Anyway, it is a matter of personal choice but it is always good to see more Singaporeans joining this world:)
My wife also went through natural birth. Saved me lots of money too 🙂
Hi hyom hyom,
Nice to see your comment. It’s been awhile since we communicated. I hope that you were doing great all these times.
Good to hear that your wife went thru natural birth. Aside from the $, both parents working can be tough to juggle work-home-kids.
Besides, many nowadays have lots of difficulty in conceiving.
Perhaps it is both Sg govt & my wish also that there are more Singaporeans willing to step up to have more.
But of course must discipline and teach also. Not just have many children but all left to be led astray.
🙂
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The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.
DESCRIPTION OF INSTRUMENT:
Instrument: Bank Guarantee (BG/SBLC).
Total Face Value: Minimum of 1M Eur/USD (One Million Eur/USD) to Maximum of 5B Euro/USD(Five Billion Eur/USD).
Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
Age: One Year, One Day
Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
Delivery: Bank to Bank SWIFT.
Payment: MT-760.
Hard Copy: Bonded Courier within 7 banking days.
All relevant business information will be provided upon request plus our terms and
procedures.
Contact name: David Verney
Email : [email protected]
skype [email protected]
We are direct mandate to providers and facilitators of all types of Bank Guarantee (BG), SBLC for Lease and Purchase. We engage in MTN, PPP programs, MT109, MT799, MT760, Loans, Sale and Lease of Financial Instruments. In addition we have a
track record of 100% deliverance rate with the best workable procedures in the Financial Instruments industry. Our providers are very reliable and ready to transact.
We have an excellent relationship with top rated banks in both Europe and Asia, Stock brokers and financial institutions all over the world. Within a short and transparent transaction period we can provide the SBLC/BG for your Heavy/Light project funding.
We look forward to your cooperation as we establish a successful business relationship. Anticipating your inquiry
Email: tekstructuredfinanceltd@gmail. com
Skype: tekstructuredfinanceltd
Regards
David Thomas
TEK STRUCTURED FINANCE LTD
BROKERS ARE WELCOME
We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,hsbc bank etc
We provide BG, SBLC, LC, LOAN and lots more for client all over the world.
Our procedures are most reasonable and safest as dealings are done bank to bank immediately after DOA is countersigned keeping you our client guaranteed of safety 100%.
Equally,we are ready to work and pay commission to Brokers and financial
consultants/consulting firms in their respective countries.
Awaiting a favourable response from you.
Regards
WALSH SMITH, ROBERT
email : [email protected]
skype: cpt_young1
We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.
We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.
The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.
DESCRIPTION OF INSTRUMENT:
Instrument: Bank Guarantee (BG/SBLC).
Total Face Value: Minimum of 1M Eur/USD (One Million Eur/USD) to Maximum of 5B Euro/USD(Five Billion Eur/USD).
Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
Age: One Year, One Day
Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
Delivery: Bank to Bank SWIFT.
Payment: MT-760.
Hard Copy: Bonded Courier within 7 banking days.
All relevant business information will be provided upon request plus our terms and
procedures.
Email: [email protected]
Company Name: N & n Financial Service Limited
Skype: [email protected]
We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc
We provide BG, SBLC, LC, LOAN and lots more for clients all over the world.
We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.
Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned
We hope to establsih a long term business relationship with you even after this first trial
Regards
WALSH SMITH, ROBERT
email : [email protected]
skype: cpt_young1
Tel contact: +447031968934
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LOANS, BG/SBLC FOR LEASE AND PURCHASE
We are exclusive agent to direct providers of Fresh Cut BG, SBLC, MTN Bonds, Bank draft and Loans which we have specifically for lease. We do not have any broker chain in this offer or get involved in Chauffer driven offers. We deliver with time and precision as set forth in the agreement. You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc.
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD) .
3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 3% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.
The Leased Instruments includes: BG’ s, Insurance Guarantees, MTN, ( SBLC) Standby Letters of Credit and Third Party Guarantees such as a standby forward commitment to purchase or a standby loan. If you are a potential Investor or Principle looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with all the details regarding this services.
Our BG/ SBLC Financing can help you get your project funded, loan financing, please let me know if you are interested in any of our services, by providing you with yearly renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding.
BROKERS ARE WELCOME & 100% PROTECTED!!!
We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.
Regards
Philip James
Email: [email protected]
Skype: [email protected]
call/sms/whatsapp +14243316469
We are certified loan lenders.We give out loan on a clear and understandable terms and conditions. This offer is strictly for serious minded individual, firms or companies. Applicants below the age of 18 are not eligible to apply. Apply now for a loan and be sure you will get the best of services and we also don't offer loans to non serious persons. If you are interested in our financial offer and you wish to acquire loan from us [email protected]
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We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.
* FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
* FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
Contact Name : Donagh sheridan
Contact Email: [email protected]
Skype:[email protected]
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GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
AT THE BEST RATES AVAILABLE
We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days
Name : Scott james
Email : [email protected]
Skype: [email protected]
GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
AT THE BEST RATES AVAILABLE
We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days
Name : Scott james
Email : [email protected]
Skype: [email protected]
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We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.
* FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
* FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Kindly contact us for our procedures and be sure that we shall respond within 48hrs maximum.
Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
Contact Name : Blaine Lorcan
Contact Email: [email protected]
Skype:[email protected]
WhatsApp: +1(501)420-4128
GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
AT THE BEST RATES AVAILABLE
We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days
Name : Scott james
Email : [email protected]
Skype: [email protected]
We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.
* FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
* FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Kindly contact us for our procedures and be sure that we shall respond within 48hrs maximum.
Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
Contact Name : Blaine Lorcan
Contact Email: [email protected]
Skype:[email protected]
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GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
AT THE BEST RATES AVAILABLE
We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days
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GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
AT THE BEST RATES AVAILABLE
We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days
Name : Elvis roberts
Email : [email protected]
Skype : [email protected]
WHATSAPP NO : +1(909)375-0798
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GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
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We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days
Name : Scott james
Email : [email protected]
Skype: [email protected]