That includes paying off unsecured debt such as personal loans. Money also owed to credit card companies or on auto loans aren't considered in the federal needs formula. Let's say you have $10,000 in cash and $10,000 in credit card debt and $100,000 in other reportable assets, Chany says.
The Apgar score is a simple assessment of how a baby is doing at birth, which helps determine whether your newborn is ready to meet the world without additional medical assistance. Your practitioner will do this quick evaluation one minute and five minutes after your baby is born.
However, the purpose of the Apgar test is to determine quickly whether a newborn needs immediate medical care; it was not designed to make long-term predictions on a child's health. A score of 10 is uncommon due to the prevalence of transient cyanosis, and is not substantially different from a score of 9.