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.
The five-minute Apgar score. The second score helps your practitioner see how your baby is progressing and whether he has responded to any initial medical intervention. A score of 7 to 10 is still considered normal at this point.