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.
Respiration (breathing effort) A doctor, midwife, or nurse will assign your newborn an Apgar score based on these five criteria. Each one is scored from 0 to 2, with a total of 10 possible points. The higher the Apgar score, the better your baby is doing. A score of 7, 8, or 9 is normal, while a baby who scores 1 to 6 needs some medical attention.