Finally I've decided to make the flashcard by myself instead of buying the ready made one, as i have read through all the comment by other BK mom of making flashcard, although it may need a lot of time and 心機, but it's still cheaper to print it. And i just print on A4 paper and put in a clear holder to flash to BB. In order to save cost, i ask my hubby to print them at office. Of course, can't print a lot, only could print little by little each day!
For education fund and insurance plan, would like to share some point of view, since I used to work in an insurance company to develop financial planners.
The objective of buying an education fund is to prepare sufficient money for BB to have university study. So we have to calculate the amount of BB need. The amount of school fees and living expense varies in different countries and length of study. One important factor is time value of money. 30 years ago, a 波羅包 cost HK$0.5, but now it cost around HK$4. Similary, you may need HK$100,000 to complete a degree course now, but after 18 years, you may need 2 times more. You may find out estimation of school fees in varies countries at the following site:
After u have estimate the amount, u need to find out a relevant investment tool to meet your investment goal. For ordinary saving insurance plan, the return is much lower but the risk is really really low, so u need to pay more money. 月供股票計劃 is good choice, but usually each HK$1,000 could buy one stock only. I think it's may not be diversified enough.
There are some insurance plan or offshore investment plan, for the same amount of HK$1,000, u could invest into nearly 10 funds or much more. This kind of plan will have better return and lower risk. As u may have little investment knowledge, u have to depend on a professional insurance consultant or financial planner to do the porfolio management for u in order to have better return.
For insurance plan or offshore investment plan, there is a special features call "paid benefit", that's mean, if touch wood, the parents are died, the company will continue paying the premium for the parents, so that to make sure the child still has sufficient education fund.
For insurance plan, i think it's wise to buy 住院保障 for BB. For 睇醫生 plan, the premium is a bit expensive. I mean BB has to visit doctor many time to 底番條數.
I never give hat to my baby as he has lots of hair. When 猛太陽, I will use my hand to cover his eye. Usually I will put him in a 手推車 that can protect him from sunshine and air-con.
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