Certificate Of Live Birth Worksheet: Fill & Download for Free

While most births turn out well (80%), IF you have been living & eating well, some (20%) won’t. Have a plan for what to do if you suddenly find yourself in that 20%. Make sure you can handle at least the 2 most common serious complications (which often happen together, so be sure you can handle them together).They are; baby not breathing & mom hemorrhaging. I teach UC classes for local folks, who for some reason don’t hire me or any other midwife to attend their births. Perhaps there is a midwife near you, or on line that does the same.make sure you get the birth certificate worksheets from your Health Dept. before the birth, so you know what is required. Most important is getting someone who an sign the Proof of pregnancy & proof of live birth forms that you will need.

Decentralized. Innovative. More entrepreneurial, more experimental, without so much bureaucracy. Lower prices. Higher quality. More customer orientation. Encouraging lots of new entrants. Removing artificial barriers. Removing licenses or regulations. Encouraging private certifications. More providers. Removing government cartels. More specialization, segmentation, and targeting. Encouraging lots of different types of services offered to different customer segments at different price/quality points. Encouraging varying private insurance for various segments.While we can’t know what millions of people peacefully cooperating might create within a free(d) market for health care, here are some brainstorms of a few things we can’t do today that might arise.Labor: Roll back all government professional licensing and regulation of doctors, nurses, psychologists, therapists, occupational therapists, physical therapists, nursing assistants, lab technicians, etc.Encourage private certifications, (E.g. AMA, the ANA, the AOTA, etc.), but remove government-enforced market cartelization by encouraging competing certifications at a variety of quality/price points.Example: John, after running free clinics in Africa, receives a certification from Medics Across the World and opens a clinic in a poor section of a city. He is not an AMA-certified doctor, but he provides first aid, child birth, inoculations, basic medicine, disease triage, etc. quickly and at low price right in the worst neighborhood. He coordinates with an AMA certified doctor for tougher cases.Example: Ahmid quits his job as a taxi driver. His MD from Croatia was not good enough for AMA certification, but it was for his Foreign Doctors Certification. He hangs his certification proudly and opens up his own medical clinic in his apartment. He charges quite a bit less than AMA certified doctors, but his clients, mostly newly arrived immigrants, find him more friendly and approachable, even providing great recommendations of next steps to further integrate into the community.Example: Vivian apprentices as an occupational therapist assistant for six years. Her employer sponsers her for a test. She receives an OTAA certification as an occupational therapist, a certification that requires neither bachelors nor masters degree — just proven skill under supervision and tested knowledge.Locations: Roll back all government licensing and regulation of hospitals, nursing homes, clinics, and health programs.Encourage independent certifications, from a myriad of groups (e.g., American Hospital Association, American Nursing Home Association), each having their own requirements and certification procedures, but allow anyone to open any type of clinic anywhere they want, as long as their bone fides are clearly described. Remove all one-size-fits-few government requirements in terms of training, privacy, equipment, beds, ratios, etc. Encourage insurance companies to differentiate by paying for alternative certification levels.Example: Sharon creates a Doula Center in a large, old house. She converts the 18 rooms into triples and quads for women who need care away from their homes. She trains numerous local women as apprentices and interns. Many of the births occur at the mothers’ homes, but higher risk cases occur at her Doula Center. Should a birth be too complicated, Joe is always on standby with his station wagon to drive to a near-by emergency center with which they have an agreement.Example: Gerald is an AMA-certified doctor, but works with a charity that provides once a week clinics in the basements of various churches. At one church, he works with six local women nurse-trainees. The local indigent line up. He sees them with the emphasis on speed and volume — oftentimes almost no privacy and in full view of one another. (For stripping, a curtain on rollers is available.) However, in this quick and dirty way, Gerald is able to consult with 300 patients on a Saturday. At a flat $20 per consultation, he earns less than he does in his regular practice, but he feels good bringing his AMA skills to the poorest.Example: John, American EMT certified, offers a mobile health truck that drives through the bowery on a set schedule. His clinic treats the bums in the street. When it rains, he has a canopy. He treats open sores and decaying teeth, and he urges other care if beyond his limited capabilities. His service costs each bum $5 in change, or an occasional bottle of rye, but he also has sponsors who, pleased with the volume of care he can take directly to the very neediest and least willing to schedule formal visits, are sponsoring two more trucks.Drugs: Roll back all government-required testing, regulations, and restrictions on drugs, instruments, medical devices — as well as patent monopolies.Encourage private certifications with varying degrees of assurances and leave it to insurance to guarantee efficacy and lack of side-effects. Allow new entrants to offer low priced alternatives.Example: Alice is dying from cancer. She has great pain and is undergoing chemo. She finds relief from pain, anxiety, and nausea by smoking marijuana. It is specifically REJECTED as effective treatment by the Jeff Session Drug Certification service, but Alice’s insurance approves it and pays for it — her insurance carrier believes that this cheap weed ameliorates many symptoms where more expensive treatments fail.Example: Sally suffers from a disease that has no medicines offered because it is so rare and formal testing is difficult and expensive. A lightly tested drug has been produced. Sally is at her wits’ end, and after talking to her doctor and her insurance carrier, she decides that the medicine is worth the risk.Example: Big Pharma Corp designs a new drug for hair loss. It keeps the chemical compound secret but the secret is eventually exposed and copy-cat pills quickly flood the market. However, Big Pharma continues to offer their pill at a 20% premium, differentiating its product by additives, by advertising, by distribution, and by its commitment to quality testing. They also offer guarantees.Example: Janice is quite concerned with having only “the best”. She pays for a premium service that authorizes only AMA, ANA, and OHA certified services.Insurance: Roll back all subsidies of, requirement of, regulations of, special treatment for insurance companies and insurance coverage.End any requirements that insurance companies must cover anything specific. Remove “pre-existing” requirements, gender requirements, racial requirements, well-visits, etc. Remove all price controls. End any special tax treatment (especially insurance offered through work expensed pre-corporate and pre-income tax). Allow new startup insurance companies to specialize in any type of specific insurance targeted to any segment.Example: Sidney and Connor find out that they are unable to have children. The $15,000 a cycle IVF treatments are not covered by their insurance, which offered them much more reasonable rates when they chose it. They must make the hard decision whether to try for a child, with the financial help of their friends and family. However, the other member who purchased this insurance are happy that their premiums are not raised in order to pay for Sidney and Connor.Example: Janet learns that her weight has crept over the 25% ideal weight limit of her current insurance carrier. She has 90 days to retest her weight, or she will lose this carrier. She explores daily runs versus going with Big Ladies Insurance.Example: Vegan Health Insurance offers a special insurance for anyone agreeing to live by their guidelines of smoke-free, daily exercise including yoga, no risky ventures, and vegan diet. Their small boutique coverage serves only .05% of the population, but they are one of the most profitable, and they are regularly rated the lowest cost carrier.Example: Muslim Mutual offers Islamic specific care for Muslim customers. They do not cover certain ailments — e.g., alcoholism — in fact, alcohol consumption voids their coverage. However, there are a number of ailments specific to their clientele that they focus on.Wealth Creation: Roll back other business licensing, regulations, and taxes that retard prosperity creation and poverty elimination.Allow citizens to accelerate wealth creation without constant government retardants. The greater the wealth, the more options for health care will be available and the greater opportunity for individuals to choose the level of healthcare they prefer.Example: Fred goes to an institutional school. The school does not like Fred’s energy for he will not quietly sit in his seat and fill out mind-numbing worksheets. They recommend drugging the child with strong psychoactives. Fortunately, there are many different type of schools, and in consultation with their insurance carrier, Fred’s parents transfer Fred to a school designed for boys.Charities: Roll back government coerced “safety nets”.Make it clear that charity begins with each citizen. Encourage private charities to crop up, offering different populations different types of services with different requirements and benefits. Encourage friendly societies and other voluntary mutual care associations. Encourage free people to work together to voluntarily care for one another.Example: John has regularly contributed to Greater Bay Charity but recently learned that they invested millions in high priced testing. John prefers offering more people basic care rather than fewer people expensive care. He changes his charity to John’s Mobile Clinics, whose vans he has seen providing what he considers to be sensible care for the most needy in the city.Example: Virginia has been using harmful drugs for years and develops a blood infection. She turns to the Summer Valley Charity for treatment. Summer Valley is willing to help Virginia but they have requirements: she must a) submit to a contraception injection preventing any child for five years; b) agree to drug rehab and continued testing; c) work in the clinic herself caring for other patients after two month of being clean. Sharon agrees, getting the treatment and the contraception, but she quickly reneges on both the drug rehab and workfare requirements. The next time that she needs medical attention, Summer Valley refuses her care. Another charity offers her fewer requirements but much lower care. Virginia has to make some hard tradeoffs for her life.Example: Angus barely scrapes by in his laborer job. He joins a laborer association, which gives scholarships to members’ children to go to low-cost medical training and come back to give the community ten years of heavily discounted services. Angus has high hopes that his children will be doctors.Tort Reform: Implement loser pays and counter-suits for nuisance cases.Tax Reform: Take government out of subsidizing, guiding, or approving health care or insurance by removing any preferential tax treatment.Example: Talia is changing her job. She owns her own health insurance, so that is not a factor in her next job. In fact, one prospective company has extensive health insurance, but Talia is quite concerned that she may get stuck at this company. She wants to be able to switch jobs absent health care. She grows suspicious of the company nd decides to join a different one that does not wish to entrap her with such golden handcuffs.Privatize Government Health Officials: Spin off all current government health bureaucracies into private companies offering consulting and certification services — in competition with other private companies.See related:If providers in a universal healthcare system refused to work at the fix price is forced labor justified?Are there free-market-based healthcare systems that work?Is healthcare a fundamental human right?Does the American Medical Association serve its members or the public?How does a libertarian society deal with the high cost of health education?What do libertarians think of NHS?Do libertarians want Cancer patients to take untested medicines?→ More essays on <Healthcare> by Dennis→ Return to the <Table of Contents> for Dennis’ Libertarian Essays

Thank you Nehemiah Narzary for this question .This answer is going to be a long one but I ensure you that after reading this answer you will get all the insights of this masterpiece and at the end of this answer you will also read Some Actionable Advice which you can use to gain all the wealth and prosperity .Let’s Begin with first pointFear of society’s disapproval prevents us from leaving the “rat race” and growing wealthy.Most of us know what the phrase rat race refers to, but if asked, how would we define it?One definition is “The endless routine of working for everyone but yourself.” This means you do all the work, while others – the government, bill collectors and your bosses – take the majority of the reward.We usually talk about the rat race as something we’re all a part of. At the same time, we also talk about it as something we hate. So why do we keep racing?Because most people’s lives are dominated by their fear of society’s disapproval..For example, consider the mantra “Go to school, study hard, get a good job.”We still teach this mantra, even though it’s outdated advice founded on the ideas of our parent’s past. Back then, you were likely to land a job right out of college, work for the same company for decades, and retire with a cushy pension. Today, this is no longer a guaranteed recipe for a life free of financial struggles or poverty.The truth is that you can study hard, get into a good school and graduate into a high-paying job without ever seeing financial growth, because you’re still stuck in the “rat race.” Your bosses – not you – are getting rich from all your hard work.Nevertheless, we still believe in and follow the above mantra out of fear of violating the expectations that have been drilled into us since birth. The result? We may be avoiding poverty, but we’re certainly not growing any wealthier.2. Fear and greed can drive financially ignorant people to make irrational decisions.When it comes to money, everyone – wealthy or not – experiences two basic emotions: greed and fear. If you have money, you are likely to focus on all the new things it can buy (greed). If you don’t have it, you worry you might never have enough (fear).People who are ignorant about how to manage their finances are especially prone to letting these emotions drive their decision-making.For example, let's say you just received a promotion and a hefty pay raise.You could invest the extra money into something like stocks or bonds, which would earn you money over time, or you could gratify yourself with new purchases, like a car or house.If you’re a financially ignorant person, this is where emotion takes the wheel.The fear of losing money is so powerful it prevents you from investing in stocks or other assets because of the perceived risks, even though such investments would bring you wealth in the long-term.At the same time, greed inspires you to spend your increased salary on a better lifestyle, for example by buying a bigger house, which seems a much more real and safer option than buying shares in a company.However, this upgrade also means a bigger mortgage and higher utility bills, which effectively negates your raise.This is how fear and greed hinder the financially ignorant from becoming wealthy in the long term.So how can you counter these powerful emotions?By building up your financial knowledge about things like investments, risk and debt. This will place you in a better position to make rational decisions – even in the face of greed and fear.Fear and greed can drive financially ignorant people to make irrational decisions.3. Despite being vital for both personal and societal prosperity, we receive no training in financial intelligence.Most people think that to become rich, it’s enough to be talented and capable. But in fact, the world is full of such people, and most of them are poor. What they are missing is financial intelligence, a comprehensive aptitude for financial subjects like accounting, investing and so forth.Unfortunately, we’re raised without this intelligence. Our school systems are set up to train people in a variety of useful subjects, but financial intelligence is not one of them.Children aren’t taught about subjects like saving or investing, and as a consequence are clueless about topics like compound interest – as clearly evidenced by the fact that, today, even high schoolers often max out their credit cards.This lack of training in financial intelligence is a problem not only for today’s youth but also for highly educated adults, many of whom make poor decisions with their money.For example, politicians are generally regarded as the brightest, most well-educated people in a society, but there’s a reason why countries end up in staggering national debt: most of the governing politicians have little or no financial intelligence.Ordinary people, too, can be astonishingly bad at handling their money matters, as evidenced by their lack of retirement planning. For instance, in the United States 50 percent of the workforce are without pensions and, of the rest, nearly 75 to 80 percent have ineffective pensions.Clearly, society has left us poorly equipped in terms of financial knowledge, and so it is up to the individual to educate him- or herself.When we find ourselves seeking wealth in times of great economical change, it becomes even more necessary to independently pursue a good financial education.4. Financial self-education and a realistic appraisal of your finances are the building blocks of growing wealthy.You can start the journey toward personal wealth at any point in your life, but the earlier you get going the better – if you begin at 20, you’re far more likely to become rich than if you begin at 30.Regardless of age, the best way to get started is by appraising your finances, setting yourself goals, and then acquiring the education necessary to reach them.First, take an honest look at your current financial state. With your current job, what kind of income can you realistically expect now and in the future, and what kind of expenses can you sustainably handle? You may find, for example, that the new Mercedes you’ve been drooling over simply isn’t affordable.After this, you’ll be able to set realistic financial goals. You could say, for example, that you want that Mercedes to be within your reach in five years’ time.The next step is to then start building your financial intelligence. Consider this an investment into the greatest asset available to you: your mind.You can do this in any number of ways, but one good approach is to shift focus: work for what you learn, not what you earn.For example, if you’re afraid of rejection, try a short spell working for a network marketing company. While you might not get an amazing salary, you’ll gain a lot of sales skills and self-confidence, which will be very useful in the future.You can also improve your finance education in your spare time. Enroll in finance classes and seminars, read books on the topic, and try to network with experts.If you base your financial foundation on these building blocks, there’s a good chance you’ll become wealthy one day.5. To become wealthy, you must learn to take risks.Insanity is defined as doing the same thing over and over again and expecting different results. By this logic, if you’re looking to change your current financial state, you’ll need to start handling your finances differently.The biggest change you most likely need to make is learning to take risks. All financially successful people have taken risks to get where they are, and they are successful because they manage rather than fear these risks.Taking risks means not always being balanced and safe with your money, which is what you’re doing when you put it in basic checking and savings accounts at the bank.Instead of playing it safe, try investing your money in stocks or bonds. While these are considered more risky than typical bank accounts, they have the chance of generating much, much more wealth – sometimes (as with stocks) in a very short period of time.Or, if you don’t want to commit yourself to the stock market, there are a variety of other investments that will help grow your wealth in the long run, like real estate or so-called tax lien certificates. With tax lien certificates, interest rates range between 8 percent and 30 percent.Of course, the higher the potential for return, the higher the risk. With stocks, for example, there’s always the slight chance you could lose your entire investment. But if you don’t take the risk in the first place, you’re guaranteed not to make any big returns.So you see that taking those bigger chances and handling the bigger risks they present is necessary in order to start making a bigger income.To become wealthy, you must learn to take risks.6. The road to wealth is long, so you must keep yourself motivated.The journey to wealth is long and trying. It’s easy to lose heart when you hit a hurdle such as seeing the price of a stock you invested in suddenly tumble. In order to achieve your financial goals, you’ll need to find ways to stay motivated even in the face of setbacks.One method to boost motivation is to create a list of “wants” and “don’t wants” for your personal reference.For example: "I do not want to end up like my parents" and "I want to be free of my debts within three years."Pull out these lists any time you need a reminder of why you must persevere on your journey to wealth.Another good way to stay motivated is to spend money on yourself before paying your bills.Though somewhat counterintuitive, this way you’ll see exactly how much extra money you need each month to satisfy both of your objectives: fulfilling desires like buying that vintage guitar you’ve had your eye on, and meeting your bill collectors’ demands.This doesn't mean you should rack up lots of credit card debt, but do keep “paying” yourself first; the extra pressure of paying off your bills afterward will inspire you to find creative ways to make enough money to satisfy both.This method will also sharpen and develop your financial self-discipline, which is a key trait of all financially successful people.For outside inspiration, research the life stories of wealthy people like Warren Buffett or Donald Trump. Reading about how they overcame struggles to achieve triumphs will help keep you ambitious.Put these tips into practice and you’ll be sure to find that staying motivated on the road to wealth isn’t that difficult.7. Laziness and arrogance can drive even financially knowledgeable people to poverty.Even after strengthening your financial intelligence, personality pitfalls may still threaten you and your money.Laziness and arrogance are two such pitfalls, because they can work against you in less-than-obvious ways.We often think of laziness as slouching around and doing nothing, but in fact laziness does not necessarily mean inactivity; it can also be avoiding things that should be done.For example, imagine a businessman who works over 60 hours a week. To the outside observer, he is not lazy at all. However, by working such late nights, he has alienated his family. He has already seen the signs of trouble at home, but, rather than addressing them, he buries himself in work. In short, he is being lazy: he is avoiding what he should be doing, and will likely suffer the consequences in the form of a costly divorce.Similarly, arrogance can be a devastating weakness. Contrary to the usual definition, in the case of financial ruin it can be defined as “ignorance plus ego”; a combination of poor financial knowledge and an ego too proud to admit it.Arrogance is a particularly dangerous flaw when you make investments. For example, some stock-brokers will try to feed the arrogant side of you to sell you more shares and maximize their own commission. They’re like dishonest used-car salesmen; they boost your ego with the positives of an investment while keeping you ignorant about its negatives.So even if you become a financial genius, keep these personality pitfalls in check. This way, you are much more likely to avoid financial ruin.8. Only invest in assets, which put money in your pocket; and avoid liabilities, which take money out.Knowing the difference between an asset and a liability is necessary to ensure you’re making strong investment decisions.Quite simply, an asset is something that makes you money, while a liability costs you money.Clearly, then, it’s more likely you’ll become wealthy if you mostly invest in assets.Assets include businesses, stocks, bonds, mutual funds, income-generating real estate, IOU notes, royalties from intellectual property, and anything else with value that produces income, appreciates over time, and can be sold readily.When you invest in assets, your dollars become employees working to create income for you. The more “employees” you commit, the better. The goal is to get your income as high above your expenses as possible, and then to reinvest the excess income into your assets, employing even more dollars to work for you.Unfortunately, many investors continually mistake certain liabilities for assets.For example, a house is often considered an asset, but it’s actually one of the biggest liabilities you can have. Buying a house often means working your entire life to pay off a 30-year mortgage and property taxes.This works against you in two ways: First, you’re guaranteed to have a massive expense taken away from your income every month (a tell-tale sign of a liability) for the next 360 months. Second, those 360 payments could have been invested in potentially more lucrative assets, like stocks or real estate you rent to tenants.Ensuring that you know the difference between an asset and a liability means you’ll be able to soundly judge what to invest your money in and what to avoid.9.Your profession pays the bills, but your business is what will make you wealthy.Most people consider their profession and their business to be one and the same thing. When it comes to personal finances, though, there’s a difference:Your profession is whatever you do 40 hours a week to pay the bills, buy groceries, and cover other living costs. Usually, it gives you a specific title such as “restaurant owner ”or “salesman.”Your business, on the other hand, is what you invest time and money in to help grow your assets.Because a profession only covers your expenses, it’s unlikely that this alone will make you wealthy. To achieve wealth, you must build a business while working at your profession.Take, for example, a chef who’s gone to culinary arts school and knows all the tricks of the trade. Although her profession – cooking – provides enough money to pay rent and feed her family, she’s still not growing wealthy.So she invests in a business: real estate. Whatever extra money she has each month, she puts towards buying income-producing assets – apartments and condos she can rent to tenants.Alternatively, consider a car salesman who invests each month’s leftover income into stock trading.In both cases, the professions provided enough income to survive on a monthly basis. However, by putting their extra income into their businesses, these people are also growing their assets and making strides toward wealth.Your profession often funds your business initially; therefore, it’s wise to keep your day job until your business starts to show sustainable growth.When that starts to happen, your assets – and not your profession – become your main source of income.And that, indeed, is the sign of true financial independence.Your profession pays the bills, but your business is what will make you wealthy.10. Understand the tax code to help you minimize your taxes.Everyone knows that taxes detract from personal wealth, but most people don’t bother to find out how they can minimize the taxes they pay. There are many ways this can be legally achieved.One way to reduce taxation is to invest your money through the coverage of a corporation. If you invest through your own corporation, the money you make is taxed much more leniently than if you invest in your own name.In the United States, corporations come with other benefits, too. For example, debts and liabilities are placed in the corporation’s, not the owner’s, name, which insures against limited losses on investments gone awry.When you’re an employee, you earn, get taxed, and then try to live on what’s left. When you’re protected by a corporation, you earn, invest or spend as much as you can, and then get taxed on what’s left.It’s no surprise, then, that corporations can help people get rich very quickly.There are other ways you can minimize your taxes, too; it’s just a matter of educating yourself on the many loopholes and benefits of the tax system.For example, because of Section 1031 of the Internal Revenue Code of the United States tax system, if you sell your current real estate assets in order to buy more expensive ones, the government delays taxing your new real estate until you liquidate the property.This means your capital gain increases, while the government refrains from taking anything from you until later.By becoming aware of how the “system” works in your country, you may be able to legally reduce how much money the government takes from you.Understand the tax code to help you minimize your taxes.Final summaryThe key message in this book is:Because we’re not trained in financial intelligence in school, it’s up to us as individuals to develop this trait by ourselves. We are only likely to become rich or financially independent once we have both a strong financial IQ and a firm, ambitious mindset to support it. In the end, what you invest in your mind is what brings you success, because your mind is your most important asset in any financial situation.Actionable advice:If you want to see results, start right now.Although this book lays out the paths to financial independence and wealth, these ambitions can only be fully realized if you start moving toward them now.This means researching to find the best books on your area of interest (e.g. real estate, or the stock market). Where can you pick them up locally? Which ones are best for beginners? Also, try to discover the “who’s who” of the markets you want to join. Do they have websites you can follow? When is their next publication coming out? Other general websites, like Investopedia, have great information for beginners who aren’t sure where they should start putting their money. In any case, staying actively informed will help keep you afloat and give you a better understanding of your markets.Make a column sheet that tracks your monthly expenses and income, as well as your current assets and liabilities.One of Kiyosaki’s main points throughout the book is to ensure you have an income greater than your expenses.The only way to do this is to keep an eye on your money. Use a program like Microsoft Excel to create a worksheet you can update on a monthly basis. Chart your income, which includes any money coming your way each month, and compare it with your expenses, which include bills, rent, lifestyle expenses and taxes taken out of your paycheck, as well as any other costs. Also, start keeping track of how much your current assets are generating for you each month as well as how much your liabilities are taking away. This will help you gauge what you can afford to cut out from your life in order to start widening the gap (in a good way) between your income and expenses.Introduce yourself to people who do what you want to do.By networking with people who are already active in the markets you’re interested in, you can form valuable connections that will benefit you in the long run.For example, find someone in a local tax office who knows a lot about tax lien certificates. Offer to take them out to lunch – your treat. Make sure, though, that they understand you want to learn from their experience and knowledge, and that you aren’t just asking for help to get rich. If you’re honest about your intentions and willing to listen, chances are most experts will be glad to give you a few pointers.