宝宝: “爱我就别这样做”

一.怕吃饭时逗乐

宝宝在吃东西的时候，父母有意无意的都想去逗宝宝，大概是希望他能更愉快的就餐吧！但是，宝宝吃饭却非常容易发生意外。特别是宝宝在吃像米饭、花生、糖 块、果冻等颗粒物、块状物时，家长千万不要去逗他开心，不然宝宝很容易被呛到，食物一旦堵住宝宝的喉部，就可能引起窒息，几年前就曾有过果冻令宝宝窒息死 亡的案例，这足以令父母们引起高度的警惕。

二.怕洗澡水太烫

宝宝的肌肤非常地娇嫩，水灵灵一般，洗澡水如果太烫，很容易让宝宝烫伤。马上就要过冬天了，有些父母怕宝宝冬天洗澡着凉，刻意把洗澡水的温度调高，但其实宝宝的洗澡水温度比体温略高就可以了。即便在冬天，如果室内温度适宜，用40度左右的水温就可以了。

三.怕肚子处着凉

宝宝的肚子是一个需要特别保护的地方，肚子掌握着宝宝一天的营养吸收，是他成长发育的地方，一定要保护好。而现在天气渐渐转冷，更要重点保护宝宝的肚子， 一旦肚子受凉，很容易引起腹泻、消化不良、感冒发烧等症状。尤其是晚上，宝宝睡觉不老实，爱踢被子，家长可以给他穿件小肚兜或小背心。

四.怕没病时乱补

民间在冬至时有补冬的习俗，通过补冬吃牛羊肉，希望能抵御冬季的严寒。而很多家长生怕宝宝的营养不够，就拿出各种“补品”，给宝宝进补。这种想法是非常缺 乏科学依据的，其实宝宝只要在一天正常的三餐好之外多吃蔬菜、水果等高维生素的食物即可，根本不需要进行这些额外的“增补”。

五.怕鞋子不合脚

瑞士有一项调查发现：大部分学龄前的儿童鞋子其实都是不合脚的，因此也造成了不少宝宝脚受伤的病例。没错，宝宝真的很怕鞋子不合脚！所以我们建议宝宝在开 始学走路时，就要根据脚的大小、胖瘦、足背高低来选鞋。由于宝宝的脚还在增长，所以试鞋时可以稍微大一点点，给脚的生长留出空间，但不宜过大。

Malaysia Budget 2015 - Highlights

  18:18

Half-month bonus with a minimum payment of RM500 to be paid in January 2015 for civil servants.

 

18:18 Ministers and Deputy Ministers will have a salary revision at another time.

 

18:18 Increase in allowance of MPs.

 

18:17 BR1M from RM300 to RM350 a year for single individuals aged 21 and above with a monthly income not exceeding RM2,000. Assistance 2 be disbursed early next year.

 

18:16 BR1M to RM950 for households with a monthly income of RM3,000 and below paid in 3 installments

 

18:16 Minimum price of houses will be reduced to RM90,000 per unit with a minimum floor area of 850 square feet.

 

18:15 Repair and maintenance for military, police, teachers' and medical staff's quarters nationwide for RM500 million.

 

18:13

 

Minimum eligibility for housing loans increased to RM120,000 and maximum eligibility for civil servants to RM600,000.
 
18:12
World Competitiveness Index ranking improved from 15th to 12th position in 2014.

 

18:11 Over 3 years with RM30 million, to build Al-Quran Printing Centre in Putrajaya; 2nd biggest after Saudi Arabia.

 

18:10 Staff of KEMAS, JASA, JPNIN, JAKIM and Seranta Felda who have served more than 15 years and have retired will receive a monthly assistance of RM300 benefiting 1,655 people.

 

18:09 One-off grant of RM50 million will be provided to NGOs, that are involved in community development programmes, unity, social welfare, consumerism, health and security.

 

18:07 RM117 million will be allocated to RELA for training and capacity building.

 

18:07 RM121 million for PDRM to implement various programmes under NKRA.

 

18:06 Police force will be increased by 11,757 personnel, 14 Police Headquarters and Stations to address crime.

 

18:05 Construction of Air Langat 2 Water Treatment Plant will be expedited; costing RM3 billion to address water supply shortage.

 

18:03 Rural facilities & infrastructure to get RM4.6 million for upgrade.

 

18:02 Age of borrowers increased from 35 to 40 years.

 

18:02 For Skim Rumah Pertamaku.

 

18:00 Purchase limit increased to RM500,000 with 50% stamp duty exemption for first home.

 

17:59 For early childhood education, Ministry of Education will get RM711 million

 

17:58 Increase in tax relief for disabled child. RM5,000 to RM6,000

 

17:57 Financial assistance for poor families, children, senior citizens and disabled. RM1.2 billion

 

17:55 To address the dengue issue, RM30 million will be allocated.

 

17:54 If you have cancer, kidney failure and/or heart attack, you can get tax relief up to RM6,000. An increase from the original RM5,000.

 

17:53 Establish an additional 30 1Malaysia clinics.

 

17:52 RM41 million for planting and replanting for oil palm smallholders.

 

17:51 RM23.3 billion to improve health services and facilities.

 

 

17:50 RM100 million to protect smallholders from losses incurred, especially when the world market price falls. - Malaysian Rubber Board (MRB)

 

17:48 People working in KL and coming from outside KL will have a bus service with discounted monthly fare of 30%. Routes: Rawang-KL; Klang-KL; Seremban-KL.

 

17:45 Additional 20 KR1M in Peninsular Malaysia to ease burden of Malaysians.

 

17:44 Additional RM250 million for fishermen; to improve living condition.

 

17:42 Increase of living allowance for Zone A's fishermen to RM300, Zone B and C; increased to RM250.

 

17:41 RM100 million matching grant to Farmers’ Organisation Authority to enable the members to obtain loans to improve farm productivity and marketing channels.

 

17:40 Government will establish 65 new permanent farmers’ markets and 50 new fish markets that will operate daily in selected locations. To date, there are 526 farmers’ markets and 50 fish markets nationwide.

 

17:39 Government will also give a 50% stamp duty exemption on the instrument of transfer agreements and loan agreements.

 

17:37 RM200 incentive monthly for first two years of housing loan repayment.

 

17:35 RM100 mil for 1Malaysia Youth City in Sabah and Sarawak to boost employability and entrepreneurship skills in youth.

 

17:35 Child care holiday for 1 year for step child, adopted child, or special needs child.

 

17:33 RM320 million to revitalise youth programmes, including National Service and Rakan Muda.

 

17:32 "1 malaysia support" for housewives for professional women to return to employment.

 

17:30 RM 2.26 billion allocated for the Women, Family and Development Ministry to promote women entrepreneurship.

 

17:29 RM 2.26 billion for development of women's operations.

 

17:28 Women make up only 38% of work force. Government will take initiative to increase this.

 

17:27 Women are the backbone of a nation's development.

 

17:27 Lahad Datu airstrip will be extended to accommodate bigger planes.

 

17:24 RM27 billion for construction of 1,663km highway in Pan Borneo.

 

17:23 Construction of pan borneo highway at a cost of RM27 billion.

 

17:22 Various initiatives to promote bumiputera entrepreneurship.

 

17:18 Government hopes to make Malaysia a prime location for start-ups in the region. MAGIC to create a conducive start-up eco-system to attract expatriates.

 

17:16 Labour laws to be revised to include benefits such as flexible hours to cater to an increasingly dynamic labour market.

 

17:15 Labour laws to be revised to include benefits such as flexible hours to cater to an increasingly dynamic labour market.

 

17:15 PTPTN: Rebate of 10% for individuals who has been consistently paying for the past 12 months till 31 December 2014 and 20% rebate for those who settles the full amount by 31 March 2015. 

 

17:12 TalentCorp to be allocated RM13 mil for internship programmes and industrial training & more.

 

17:12 Syllabus at higher learning institutions to be revised to include extra-curricular activities to combat "unemployability" among local graduates.

 

17:10 PTPTN, as of Aug 31, 2014, only 46% of debt collected. 174,000 have never repaid their student loan.

 

17:09 National schools will be allocated RM450 mil, Sek. Jenis Kebangsaan Cina gets RM50 mil, SJK Tamil RM50 mil, boarding schools RM50 mil, religious schools with government's aids RM50 mil, SRSM 50 mil, Sek pondok RM50 mil and RM25 mil for chinese schools using national syllabus.

 

17:08 RM258 million allocation for Ministry of Health.

 

17:07 RM800 million allocated for schools, which include national schools, and Chinese and Tamil vernacular schools.

 

17:06 2x tax relief for companies who offer internships for diploma and vocational students.

 

17:05 10,000 students will be placed in private vocational institutions. 

 

17:04 By 2020, 46% jobs will need technical and vocational qualifications. To increase enrollment in technical and vocational schools RM1.2 billion to be allocated.

 

17:03 Principals will be given autonomy to administrate their respective schools.

 

17:02 RM56 billion will be allocated for the Ministry of Education for various programmes.

 

17:01 1Malaysia Training Centre has been established for the private sector.

 

17:01 Urban Transformation Centre to be established in Kelantan, Terengganu and Perlis  to promote skills and employability.

 

17:00 A new subsidy scheme will be announced soon.

 

17:00 To improve the country's budget - subsidy rationalisation has been implemented. An example is the fuel subsidy. We will ensure this is done in gradually and in stages to reduce the burden on the rakyat.

 

16:56 Grant of RM100 million for companies who send staff for GST training.

 

16:56 YA 2016, SMEs and small businesses will be reduced from 20% to 19%.

 

16:56 Highest income tax rate to be reduced from 26% to 24%. 

 

16:56 Personal income reduced by 1% - 3% , 300,000 taxpayers will be exempted from income tax. 

 

16:55 532 items, 56% price will be reduced such as medical products, electronic products, furniture, diapers, seafood and vegetables. 

 

16:55 Groceries, RON95, diesel and LPG exempted as well.

 

16:54 GST exempted on essential items. To increase the number of items: 1) all local and imported fruits, white and wholemeal bread, coffee and tea, cocoa powder, mee kuning, laksa and mihun.

Also 290 types of medicine for 30 types of illness such as heart diseases, and diabetes will be exempt.

Reading materials such as colouring books, dictionary, and others.

There will be an increase in the exemption for electricity consumption from first 200 units to 300 units.

 

16:51 To trim fiscal deficit to achieve a balance budget. 

 

16:51 RM1.3 billion for Ministry of Science, Technology and Information - rebrand SIRIM, introduce a new initiative Public Private Research Network.

 

16:50 RM50 million to Ex-army Programme, benefitting 50,000 ex-army personnels.

 

16:50 RM50 million to Professional Young Women Development programme, benefitting 50,000 professionals.

 

16:49 RM50 million to Indian entrepreneurs.

 

16:48 RM350 million to Bumiputera entrepreneurs.

 

16:48 TEKUN has been providing loan amounting to RM3.1 billion.

 

16:45 High speed broadband to be implemented in high impact areas in the nation. RM2.7 billion will be allocated in 3 years including additional 1,000 base stations and undersea cable construction. 

 

16:43 These developments will create at least 1,000 employment opportunities.

 

16:42 Project LRT 3rd phase, from Bandar Utama to Shah Alam to Klang will begin soon.

 

16:42 MRT second phase, 56 km, from Selayang to Putrajaya with RM23 billion allocated.

 

16:40 Allowance automation modal expenditure of 200% on the first RM4 million. From 2015 - 2017. 

 

16:38 100% tax exemption for 5 years to encourage private sectors to develop industrial areas in rural and less developed locations.

 

16:37 Encourage investments in less developed areas in the country, with specific programmes.

 

16:35 Malaysia is now the biggest SUKUK provider, taking up 60% globally.

 

16:34 Research Incentive Scheme with RM10 million for SMEs in ICT and information industry.

 

16:34 Introduce the blueprint for the service sector with RM5 billion allocated for SMEs in the service sector.

 

16:33 With GST, SST will be abolished, causing the government a loss of RM13.8 billion

 

16:31 Total revenue last year is RM235.2 billion, additional of RM10.2 billion compared to the year before. 

 

16:31 RM4.9 billion allocated for security sector

 

16:30 Revenue from GST expected to hit 23.2 billion. With GST, SST will be abolished. 

 

16:27 Deficit fiscal trimmed from 6.7% (2009) to 3.9% (2013), and 3.5% by end of 2014. 

 

16:24 We are now ranked the highest economic growth in South East Asia. 

 

16:23 Budget 2015 is a budget of economy based on the rakyat's needs. 

 

16:21 "People economy and capital economy cannot be separated. They exist in a symbiosis relationship," said PM. 

 

16:18 The biggest challenge we face in administrating the country is balancing policies that are populist in nature with policies that are based on economic health of the country. 

 

16:17 With the aim to achieve high-income nation in 2020, such as Japan and Korea. All these countries started with agriculture, just like us. 

 

16:15 Opening address by Prime Minister: Government is still committed to develop Malaysia, with the 11th Malaysian Plan starting May 2015 with the Malaysia National Development Strategy (MyNDS). 

PETROL & DIESEL - Up RM0.20 Per Litre Effective 02 October 2014

The price of RON95 and diesel fuel will go up by 20sen effective 02 October 2014.

The new prices for RON95 will be RM2.30 per litre while diesel fuel will cost RM2.20 per litre.

The Domestic Trade, Cooperatives and Consumerism Ministry said the government has decided to reduce the current fuel subsidy by 20sen in keeping with its subsidy rationalisation plan.

“Despite the increase, the Government will still need to spend more than RM21bil on fuel RON95, diesel and LPG subsidies for this year.

It said the Government also aimed to curb the further smuggling of fuel by irresponsible quarters and also to ensure that the current subsidy is not misused.

“The Government will continue to implement the subsidy rationalisation in stages so as to not burden the lower income group.

“We understand that fuel price increase will affect the economy and the people. Therefore, we will continue to provide incentives to the lower income group to alleviate their burden,” said the Ministry.

The current un subsidised market price for RON95 is RM2.58 per litre while diesel is RM2.52 per litre.

年轻人应该趁早置屋的8个理由

不管以后涨价降价，屋子应该是越年轻买越好。为什么？

1.屋子不管你怎么买都是买贵的。
-我们买卖屋子聊的时候都忘记了算了一个重大成本-利息。如果供得来都差不多是买一间产业好像在供2间的感觉。我相信很多大大都懂的。所以可以这么说，不管你什么时候买，不管屋价跌还是升，只要你是和银行贷款，你就一定是买贵了！既然你不管怎么买都买贵的，那么为什么不要乘年轻买？

2.年轻负担小
-我们在21岁到30岁的时候是最有生产力的，而且也是负担最少的，父母还能工作，不用承担父母的养老费，家里还有车，也不用我供，最多只是油钱，即使供 一辆,myvi一个月400++~500也还过得去~还没有结婚甚至还没有女朋友自己花而已，有的甚至连医药卡都还没买，这么年轻又不用这么早准备退休 金，那么是不是可以说这个时候的gen y是最有储蓄资本的时候？如果这时候买屋子的话年轻人供屋子不用那么辛苦压力，拱了前面十年的屋子，以后大大要refiance还是要卖掉都比较好，因为十年前的屋子一定会比10年后的屋子来的高。

就算不卖，结婚了总要自己的屋子吧？总不可能和家人一起住吧？提早做好准备是你对你另外一半最好的礼物。总好过结婚的时候屋子没有，聘金又没有，到时候只是和身边人吵架你都sienz了。


3.年轻是个资本，用就叫青春，不用就叫浪费
和上述原理一样，各位大大都以为等了1个几年便宜100k再进场，我在这里不做任何假设，我真的让你说中真的便宜100k进场，我想问的是那时候大大你几岁了？如果大大你好好的利用那就叫青春，挥霍的话就叫浪费。大大你真的认为30岁的你和25岁的你真的可以比较？

25岁的你可能薪水没那么高，但是负担没那么重；30岁的你，可能收入比25岁的不增长了10-20%，但是大大你的2老会开始要退休，你的收入开始不是 1个人赚1个人花，而是1个人赚3个人花，保险呢？大大可能你再期间换了一辆车也不一定，那么车期呢？大大你的反正钱费用呢？（反正都要花的钱),TM费 电话费等等。到那时候大大你真的认为你还会有储蓄？

而且如果以投资回报率来算，大大，那100k真的能买回你失去的那5年？如果真的能，我相信很多人会拿出100万，甚至更多，只是想买回区区1年的时间，因为这是不可能做的，时间的珍贵不能拿时间去计算。

4.钱一直在贬值。
我说的不是马币，而是全世界都是如此，以前收入2000可以养活全家，现在呢？2000能做什么？他们的收入有变低吗？不是，是收入不能抵抗通货膨胀，我 一直强调，屋子最大的作用是抵抗通货膨胀而不是增值为先。试想想10年后的2000块能做到什么？但是10年后的收入平均又能去到那里？屋价会去到那里？ 没有人懂，但是唯一能确定的就是，一定会持续往上飙。那你拿着一直在贬值的现钱等来做么？

5.屋子绝对不是一个长期投资的好项目
大大你们一定很奇怪，我提倡大家买屋子，但是我却说他不是个好选择，为什么？因为屋子的利息真的蛮高的，买一间供2间，除非大大，你们是用现钱买的，或者 这间的出租率非常高，要不然就不要说买卖转让(当然有准备有米的大啊（不管是看空还是看多）例外)，因为你的价钱绝对比不上现钱买家，尤其你是第一间屋子 或者最多第二间屋子，手上完全没有现钱的家伙，只要拖了1个五年利息一拉长，即使他只卖10%他都是净赚10%，那么你们呢？有算过利息的算法吗？5年后 的你们要卖什么价钱。

别和我说拿到钥匙立刻转卖，那是非常渺茫的可能，不然试问这里所有有经验的大大，他们拿到钥匙后立刻卖掉的可能性高吗？我相信有，但是不多。

既然这不是个好投资项目，就是说不管怎么买都会亏钱，而这玩意是你这一辈子肯定怎样都要买的东西，那么既然这样那么为什么不要趁早买，结果你以为赚了差距价，其实你亏的不止这么少。

6.买屋子为必须的，所以应该"先有屋子"在考虑“屋子的价值”
我发现一个很奇怪的现象。

“那屋子不好的，这么里面交通都不方便的；哎哟公寓不好的啦，现在又不是买不起排屋为什么不要买公寓；freehold的产业这么多，为什么你要买leasehold，不是被人家笑吗？”

是不是很熟悉？，没错这就是很多人都会和你说的闲话。一个再好的地点都一定会有缺陷的，即使如新山r n f，你敢说他一定没有缺陷？还是有的。一好就没有2好，又要便宜，又要投资价值高，又要有地的，最好家隔壁就是商场，对面是医院，隔壁是学校，前走就是highway。

大大你以为你买什么？有这么好的地点还轮到你？

就如娶老婆要取漂亮的，身材好的，家里有钱的，要听话的，最好不会老，不会生孩子走形，要对我忠心，最好要会煮饭，床上要对我妩媚，床上功夫一流又要处女，最好对我家人也好，疼我家人好过对他父母，各位大大，是不是听了都流口水？先照照镜子吧。

很多买屋子都说要住1辈子，那么我可以说我驾车我也要架一辈子的，那么是不是我直接买auti r8，然后1辈子不换车，这样是不是也ok？是不是很可笑？肯定是根据个人综合偿还能力来买屋子啦，你管那屋子偏不便宜你又买不起，买了后天天喊穷，睡不着觉，又有什么

意思？hh banglo跳楼卖，只卖900k，便宜吗？comfirm会再涨，那么你们要买吗？不是要买，是能买吗？

当你有了第一间屋子，就如你要先有车，再考虑换什么车，连屋子都没有的人，在想说几时跌价，我想问，你又不是业主，你又没有那么多现钱，管你x事?

7.现在是买屋好时机
现在有很多公寓package推出，promotion 0头期免手续费等等优惠，却很多无屋者看不上？请问你们是在等榴莲跌还是政府救援？公寓真的很失礼吗？你们一定没看过香港人住的“高级公寓”比我们的miduim cost的公寓还差，但是他们还是照住。

各位大大你们知道有地屋如果没有这些配套你知道至少准备多少头期吗？10%头期+手续费(10%）最起码你手上要有20%的cash，我知道很多人都有，但是你拿完出来后你身上会不会没有钱了，那玩意需要救急怎么办？当然如果计算了风险管理肯定没问题。更何况那些月光族根本不可能有储蓄的，那是不是如果没有0头期的拿你一辈子都不用买屋子了？

千万别遇到像中国那样的问题，为了实行打房计划，blr 7.5%，付40%头期，到那时就算你要买屋子都不可能了，已经买的屋子利息即使上升了也不会供多的，大不了拉长来供；但是现在买的屋子如果7.5利息你 们知道到底有多重吗？上网看看吧~即使你真的有这偿还能力，有那位仁兄可以直接不痛不痒拿出40%的首期？

别等到那时候，别说选择买什么。连你买屋子的可能都不知道有没有都失去才后悔为什么没在之前做个决定。

8.年龄越大越难买屋子。
就如上面我说的2,3因素，各位大大你们真的认为越迟买越好吗？随着你的负担增长，你的年龄也会增长，到时候银行能不能借你那么长时间，利息有没有优惠都不确定，如果他肯借你还好，最起码还有机会买屋子慢慢供，大不了辛苦点，但是如果银行都不批你钱的时候，事情大条了，到时候你真的只能租屋子了。。。。

综合以上8条因素，我不能排除有些年轻人会有例外的例子(比如家庭因素或者先天因素，比如家里双清负债，或者先天残缺导致失去工作能力等意外的例子)，但是如果大大你都没有遇到这个问题，那么你就要正视我上面写的。

说句话，难不成你想未来的30年你的父母，你的另外一半都担心你的未来，连一个保障都给不到你家人，那么还要你何用？

Cloud Storage - Backup

I have been accumulating "stuff" lately since my daughter born and I need to find places to store all my stuff.

It seems that everyone that uses computer or mobile device spends a lot of time acquiring new data and then trying to find a way to store it.

For some users, finding enough storage space to hold all the data is a real challenge. People will invest in larger hard drives or external storage. Desperate computer users might delete the old files in order to make space for new data. 

As for me, I choose Cloud Storage where i am able to retrieve my data from any location and devices that has internet access and allow my friends to access large files easily. 

Best part is I wouldn't need to carry around a physical storage device or using the same computer to retrieve my data.

It act as a backup for me if anything happens to my computer like hardware failure, my data would still remain at the Cloud. It's a digital-age variation of " Don't Put All Your Eggs In One Basket" 

At its most basic level, a cloud storage system needs just to connect to Server using the Internet. A clients install in Computer or devices sends copies of files over the Internet to the data server(Cloud Storage Hosting), which then records the information. When the client wishes to retrieve the information, we just need to accesses the data server through a Web-based interface. The server then either sends the files back to the client or allows the client to access and manipulate the files on the server itself.

Cloud storage systems generally ­rely on hundreds of data servers. Because computers occasionally require maintenance or repair, it's important to store the same information on multiple machines. This is called redundancy. Without redundancy, a cloud storage system couldn't ensure clients that they could access their information at any given time. Most systems store the same data on servers that use different power supplies. That way, clients can access their data even if one power supply fails.

Mega is providing 50GB free online storage. You can even subscribe to Dropbox and many other cloud storage provider if you wish to have more storage for your online storage.

Junior Savings Account For My Daughter

It was a new challenge for me to source for the right savings account for my daughter. Having a child changes everything in a family. Inculcating the right financial foundation in children is as important as teaching the child the alphabet. Living in Malaysia, your child will inevitably be given cash in the form of ang-pows, during special occasions and festive seasons. Why not keep the money in a bank account that grows your child’s savings?

It doesn’t matter where we save, as long as we save, right? Wrong. 

We’ve always been told “put your money in the bank”, but not “it’s which bank you put your cash in that counts”.

Choosing the right bank with the best interest rate for your child’s savings account can make a huge difference.

And some banks provide coin boxes to help the children start saving at home. 

Maybank Yippie Savings Account 

 
Benefits of a junior savings account
Other than the cute coin boxes commonly given for free when you sign up, there are many other benefits to opening junior savings account.

Some of these benefits are:

• Teaching your kids the value of money – By opening a junior savings account, you can teach your children the value of money.
• Teaching your child how to manage money – Starting financial education at an early age can be beneficial. Let your child see the balance in the bank account regularly and teach them how to prioritize their “wants” and “needs” in life.
• Getting used to delayed gratification – By having a savings account, your child can learn to set goals for the things they want to achieve or purchase. If they really want the new iPad or any other gadgets, encourage them to save for it. This will give them an idea on how to accumulate money by savings and reward them with a sense of achievement when they finally get it. 

Features of a junior savings account

• It is for those under 18 years old.
• It pays a higher interest rate compared to regular savings account.
• It limits the number of withdrawals per month.
• It restricts the method of withdrawal.
• Some banks offer extra incentives, such as free personal accident (PA) coverage, cash rewards for excellent exam results, etc. 

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