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A Good Savings Plan Helped Me Raise My Kids/Child Like a Super Mom!
Motherhood is one of the most beautiful phases in a
woman’s life. It’s a phase that every woman dreams about and looks
forward to as well. So, when the news of a new life growing inside me
was confirmed, I was on cloud nine.
My happiness knew no bounds! I felt like I was God’s favourite and was
blessed like none. The nine-month wait seemed too long to be able to
hold my bundle of joy in my arms. As the feeling started sinking in, I
started to prepare for the arrival of my little
one. The little room attached to our bedroom that I was desperately
waiting to turn into a nursery was finally seeing the light of the day.
From the walls to the curtains, and from the little bed and almirah to
the colour scheme, everything was done with
a lot of research. Tiny baby clothes, mittens and shoes, soft cuddly
toys, a cute little crib with musical toys hanging from it, a floor gym
and what not – the nursery was all set by the time my ninth month
started.
But this wasn’t the only planning I did as a mother-to-be. I have always
been a careful spender. I have believed in planning and managing my
finances well in advance, and this was one extremely important thing I
wanted to do for my little one before it came
into this world. As a responsible mother, I wanted a financially secure
future for my child. Most of my cousins and friends that I discussed
this with were quite amused and thought I was thinking too much. The
ones who were already parents said that they did
keep aside some money from time to time, but only to use it in the near
future, like a first birthday party or nursery admissions.
But I did not want to plan short-term and in bits and pieces. My
thoughts were clear- I wanted some proper planning for my little one.
Whether it was my child’s nursery admission, first birthday, further
studies, or unforeseen expenses, I understood the importance
of saving for a rainy day. I wanted to make sure I had control over any
unfavourable situation that may come up in the future.
How to go about it in a planned manner with the assurance of proper
returns was a big question for me. I started researching and exploring
the options available. Someone had suggested investing in a good FD
plan, so I did some research and asked my family and
friends if they had invested in one.
I was told that fixed deposits are one of the safest investment options
for my family’s needs. What I understood was that if one invests in a
fixed deposit, it is important to see if it has a high stability factor
and that it promises the safety of one’s principal
amount. I learned that fixed deposits help you in controlling and
managing your investments with better flexibility, and the returns are
guaranteed. You also have the option of choosing a short-term or
long-term plan based on your needs. But when you opt for
an FD plan, it is important to see which one offers you the best
interest rates on your investment, what amount you will get on final
maturity, and what other benefits are associated with your FD plan.
The more I read about fixed deposit plans, the more intrigued I was – a
one-time investment with returns over a period of time was just what I
needed to secure my baby’s future. During my fifth month, as I was
looking for the best financiers for my investment,
a close friend suggested that I consider the Bajaj Finance Fixed
Deposit. I researched about it online, and found it to offer some of the
most attractive features. I finally invested with Bajaj Finance, and
chose the tenor and payout frequency as per my convenience.
The Bajaj Finance Fixed Deposit Plan that I opted for was highly
beneficial for me. The interest rates they offered were one of the best
in the market. I could check the maturity amount for my FD plan well in
advance, and the amount I received at the end of
the tenor was more than suitable for my daughter’s admission (I
delivered a healthy baby girl).
I had a great investment experience with Bajaj Finance, where the
representatives provided me with all the information I sought before I
could invest. I got to know about some of their cool features, like the
multi-deposit facility, auto-renewal facility, and
easy online investment processes. I also visited one of their
digitally-enabled branches in Pune, which were equipped with digital
counters, Alexa kiosks and Wi-fi enabled tabs.
Investing with Bajaj Finance FD was definitely a crucial step that I
took during my pregnancy. Planning my child’s finances much in advance
has really sorted my life.
A good savings plan really helped me in raising my daughter well. My
next FD is for her higher education. Even if I am not around, I know
that my child’s future is in safe hands. And this is one guarantee that
all parents need in order to secure the lives
of their children. Read more
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Memory Retention in your 17 Months Old
The level of memory retention in a 17-month-old child is quite limited. Known as infantile amnesia, there are interesting reasons to why kids fail to remember things like their first birthday or their first favourite toy. Parents, for their part, can help enhance their toddlers' memories with a few activities.
How far back can children recall things? Just as you find it tough to remember the first few months after your birth, your toddler suffers from the same memory loss too. He’ll find it quite hard to recall his first memory experiences. Let’s take a closer look at the limitations of memory retention in kids.
An Insight into Toddlers’ Memory Development
1. Pace of Memory Development
Infantile amnesia can be best explained with the help of the pace of brain development in toddlers. At about 2years of age, a toddler’s brain develops actively and learns intensely. Specifically, new synapses – such as the connection between neurons – disappear and form constantly. So, the brain keeps forming extra connections without knowing which will be useful. At a later stage, it removes the less important ones.
2. Selective Memory Retention and Recall in Children
Aside from a few exceptionally emotional or traumatic memories that babies retain, toddlers forget most of their earliest memories. For instance, a child may vaguely remember a car accident she was involved in at the age of 2. Others may remember drowning, falling off a horse, or a sibling’s birth at home. These are experiences that caused emotional stress of some kind in infancy and are remembered for long.
3. No Long-term Memory
Long term memory retention and recall is quite poor in children aged about 15 months or less. Even though these young ones get to know their moms and dads via daily visual contact, they fail to remember or learn much at this stage. As they use their short term memory only, it’s best to limit teachings to simple things.
4. When Does a Child Start to Remember Things?
The frontal lobe of a toddler’s brain, which is the region associated with the retention and retrieval of memory, fails to mature before 12 months after birth. According to experts, 6-month-old babies usually remember things for up to 24 hours. At about 9 months, they start remembering events for almost a month. However, it’s only when they are about 17 months or older that they begin developing powers of recall for four months or more.
5. Retrieval of Memory in Children
The period pertaining to how far back toddlers can remember, and the methods of memory retrieval, are important factors that influence what can be recalled. Along with the emotions associated with a specific event, the age of a child when the remembered event took place, and the age when he has to recall a memory, matters too.
There are many ways to improve memory retention in toddlers. You can play ‘I spy’ games, sing to your child, and praise him enthusiastically when he remembers something. As he grows older, move toward asking questions, encourage him to help you complete a familiar bedtime story, and motivate him to recite his favourite nursery rhymes. Read more
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Your Antenatal Check Up Schedule
Congratulations! You are pregnant, and now all you may be looking forward towards is a hassle-free pregnancy and childbirth. Well, your doctor and midwife are the people who may help you sail smoothly through your pregnancy journey. As soon as you come to know of your pregnancy, you should fix an appointment with your doctor.
So, what happens at these maternity check-ups or antenatal check-ups and how many times do you need them? If these queries and such other questions are bothering you or if wish to know more on your antenatal check-up schedule, then go ahead and read further!
How Many Antenatal Appointments Will You Have?
If you are a first-time mommy and you have a healthy pregnancy, with no medical issues or complications, then you may be required to visit your doctor 8 to 10 times on an average. However, if this is not your first pregnancy and you are not facing any medical issues, then you may have approximately 7 to 9 antenatal visits. The number of visits may vary according to any health conditions or complications that you may be facing during your pregnancy. In case, you have a high-risk pregnancy, then your doctor may keep a close check on your pregnancy, and you may be required to go for frequent antenatal visits.
What Happens at Prenatal Appointments?
Your doctor or midwife may offer you the antenatal care according to the stage of pregnancy you are in, any health risks that you or your baby may be facing or any other complication, if any, you may have during your pregnancy. You may have to undergo various tests, scans and check-ups, which include the following:
Your obstetrician may ask you about your medical history, which may include your previous pregnancies, miscarriages if any, or any other medical condition you may have.
You could be asked about any medications that you may be taking.
Your mental health may be checked to see if you are not suffering from any form of anxiety, depression etc.
Your doctor may tell you about your Estimated Date of Delivery (EDD)
Your doctor may ask you to undergo some urine and blood tests.
Your weight and blood pressure will be monitored too.
You may be suggested some dietary and lifestyle changes.
Your doctor may like to discuss your birth plan with you.
Your doctor may conduct ultrasound scans to monitor your baby’s growth and development.
You may be asked about any physical or emotional symptoms that you are concerned about.
You may be asked to discuss any pregnancy related concerns or queries that you may have.
Week-wise Antenatal Visit Schedule
We shall now discuss your week-wise prenatal appointment schedule or prenatal care schedule.
1. Your 8 to 12 Week Visit
This may be your first antenatal visit, and this should ideally happen before 10 weeks of pregnancy. In this visit you may be asked the following details:
Your lifestyle and diet
Your medical history
Any health issues that you may be facing
Your birth plan
Whether or not you are working
Whether you plan to breastfeed or not.
Here’s some information that your doctor or midwife may share with you:
When you will be going for the ultrasound scans.
What supplements you may be required to take.
What tests and scans you may have to undergo, and your doctor will share the information of their pros and cons.
You will be handed over a copy of your report after your visit.
2. Your 10 to 14 Weeks Visit
During this visit, your doctor could conduct your first ultrasound scan. During this visit, you may come to know your expected date of delivery or EDD and also know how well your baby is growing inside you. You may also come to know if you are carrying one or more babies. Also, your doctor can try and find out if your baby may be suffering from any kind of genetic abnormalities such as Down syndrome and other such complications.
3. Your 16 Weeks Visit
Your blood and urine tests results will be discussed by your doctor. In case of detection of an iron deficiency, you may be prescribed iron supplements to overcome it. Also, your urine may be tested for the presence of protein. Your weight and blood pressure will be measured too. You may also be told about your anomaly ultrasound scan that may be conducted in your next visit. At this stage, if you face any sort of discomfort or concerns, ensure that you communicate with your doctor so he/she can advise you on the steps to take.
4. Your 18 to 21 Weeks Visit
It is during this visit that your doctor may want to conduct the anomaly scan. This scan is performed to see how your baby is developing inside your womb and to also to check whether or not there may be any kind of physical abnormalities present in the foetus. In countries where it is legal, parents may also be told about the sex of their baby. Also, if you may not have had your screening for Hepatitis B, Syphilis or HIV, it may be conducted now.
5. Your 25 Weeks Visit
You will probably have to go for this visit in case you are a first-time mommy-to-be. Your blood pressure may be checked, and your urine may again be examined for the presence of protein as a precaution. Your doctor may measure the size of the baby bump by doing so from the top of your bump to the pelvic bone- this is done to see how your baby is developing.
6. Your 28 Weeks Visit
Your obstetrician may conduct a blood test to check your iron levels and also to check your antibodies. If your levels aren't within the favourable range, your doctor may suggest an appropriate dosage of supplements. From here on your doctor will also measure your baby bump every time to see how well your baby may be developing. The routine blood and urine work may follow. In case you have been found out to be rhesus negative blood type, and there may be a likelihood that your baby may be rhesus positive, your doctor may give you an anti-D injection to kill any antibodies that your body may develop.
7. Your 31 Weeks Visit
During this visit, you can expect our urine may be checked for protein once again, and your blood pressure may be checked too. Your doctor could also discuss the test results of any previous visits. Your midwife may measure the size of your uterus to monitor the growth of your baby.
8. Your 34 Weeks Visit
This is the time when you may be told about labour pains, how to differentiate between active and false labour, how to cope up with the labour and also how do you plan for your labour. Your doctor may also discuss normal and caesarean delivery. If there are any chances that you may have to undergo a c-section, your doctor will discuss the same with you. However, it may be too soon to decide at this stage about the kind of delivery that you may have. If you are rhesus negative, then you may be given your second shot of anti-D injection during this time.
9. Your 36 Weeks Visit
You are close to your delivery, and thus your doctor or midwife may like to share the following information with you:
How to breastfeed your baby
Any screening tests that may be required for your newborn baby.
How you may take care of your health after delivery.
You may also be told about postpartum depression or baby blues.
Apart from discussing the above issues, your doctor or midwife will check the position of your baby. In case your baby is in breech position, ECV or external cephalic version may be offered. Your baby bump may be measured too. Your urine and blood pressure will again be checked again. Your baby bump or uterus may be measured as well.
9. Your 38 Weeks Visit
Your uterus may be measured to check the progress of your baby along with testing your urine for protein and checking your blood pressure too. At this stage, your doctor may like to discuss your options, in case your pregnancy goes beyond 41 weeks of pregnancy. You may feel all jittery and worried as you near your delivery, however, you should feel free to discuss any of your doubts and worries with your midwife or your doctor.
11. Your 40 Weeks Visit
This visit will be required in case it is your first-time pregnancy otherwise you may give this a miss. The routine urine tests, blood pressure check-up and the measurement of the uterus may take place. You may be given more information in case your pregnancy may be expected to go beyond 41 weeks.
12. Your 41 Weeks Visit
Though most women may go through labour during this time, however, sometimes women can experience no signs of labour till this time. In such cases, your doctor may offer you a membrane swipe. In case of first-time pregnancy, you may have had a membrane swipe once before at around 40 weeks antenatal visit. However, your doctor will ask you before conducting a membrane swipe again, and it may be totally your call. Apart from this, standard urine and blood work will be conducted. In the case of membrane sweep not being successful, your doctor may suggest you to go in for induction. However, the decision always lies with you. If you do not wish to go in for induction, you may be offered regular monitoring by your doctor and midwife till you may go into labour.
Your doctor and midwife monitor your pregnancy to detect any risk factors that may affect your baby or you during your pregnancy journey. However, if you are facing any medical complications such as diabetes, hypertension or others, then your pregnancy may be closely monitored by your doctor and midwife.
Also Read:
Common Trimester Wise Tests during Pregnancy Read more
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20 New Year's Resolution Ideas for Preschoolers and Kids
Every time the New Year’s Eve begins to approach closer, two important aspects begin to get important over time. One revolves planning a wonderful celebration with your family, while the other is a more personal one. Setting a resolution for yourself is a habit that is undertaken by adults all over the world. And it also makes sense for your kids to join in that with you as well.
Many might wonder why kids need to make resolutions or any kind of commitments. They definitely would not be facing goals as you, such as hitting the gym or giving more time to the family. But there are certain habits your kids can begin to inculcate as well, making this period the perfect time to get started.
Resolutions are no less than promises, which are made to your own self. Work with your children in figuring out what they can promise themselves, and how the family can benefit from it.
New Year Resolution Ideas for Preschoolers
Preschoolers are just on the verge of starting their own lives. Therefore, the very concept of resolutions or goals might be totally alien to them. Nevertheless, it is important to sit with them and help them come up with some promises that they can make to their parents, turning them into New Year’s resolutions.
Preschoolers can begin with simple resolutions such as ensuring they follow up with their daily activities without fail. If your kid has grown up, you can ask him to set a resolution of brushing his teeth before sleep by himself.
Some kids can reach a stage where they are about to be independent. If your potty training has been progressing well, the new year can be a year where he starts going to the toilet alone.
The toys your child plays with, need to be cleaned regularly in order to avoid infecting him. Ask him to commit to doing that once every month for the year.
Young kids need to be coached in animal interaction properly. Ask him to play with pets safely and stay away from teasing them or hurting them in any manner.
If your kid is painfully shy, let the resolution be to make new friends this year. Avoid putting a number on it and let him simply start making attempts.
Your child might be too adamant when it comes to eating chocolates or sweets. Try to set in a resolution of eating a limited number of chocolates this year.
Making your kids have dinner is a monumental task. Try to take a common family resolution of not watching television while having dinner this year.
While most kids fall into a proper sleep schedule, some kids might have trouble with it. Set a common bedtime for all kids this year.
Set in a habit to complete any preschool homework as soon as your kid gets home.
If your child is an angry child, ask him to make a resolution of talking to you whenever he is angry.
New Year Resolution Ideas for Kids
For kids that are older than toddlers, resolutions have to be framed in a smart way so that they don’t feel like restrictions of any kind.
Spending time together is important. Let your kid make a resolution of playing board games with the family every Saturday night of this year.
Make resolutions precise. Rather than asking him to learn something new, ask him to make a resolution of learning to cook noodles or repairing his bike and so on.
Sharing of house duties is essential as well. Let your child make a resolution of helping out with at least one chore every Sunday.
For kids that are shy or constantly in fights, ask them to set a resolution where they help a stranger each week of the year.
Let your kids be responsible for the home as well. Assign them the responsibility of taking out the garbage for this year.
Keep gaming under control. Don’t simply ask them to reduce it, but specify a resolution of sticking to no more than an hour of gaming and television each day.
If your kid is adamant about not indulging in outdoor sports, start the year by asking him to play football only once a week or so.
Healthy eating habits need to be established early in life. If your child loves downing bottles of soft drinks, set a resolution of having one large bottle of soft drink for the entire family each month.
Sibling bonding is necessary as well and gets difficult for kids at times. If your kid avoids interacting with his sibling, understand the reason behind it and set a resolution that allows them to interact for a good time each week of the year.
Maybe you are having trouble with your own resolution. Include your kid with it and make it his resolution to be responsible for ensuring you follow on your own.
It might sound strange when you ask your kids to have resolutions for themselves. But it is necessary to know that resolutions are not meant to remove the fun out of life. They are necessary to make life better. Referring to a list of new year resolutions for kids can help you establish a starting point and come up with personalized resolutions for each of them.
Also Read: 20 Fun Christmas Crafts & Activities for Kids Read more
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Painless delivery ....What's that Exactly???....Expert talk by Gynecologist...
In day to day practice, we see that for many Moms to-be, the joy of giving birth is coupled with many fears about labour pains. Most of them hear not so encouraging stories of pains in delivery from friends and relatives. This all makes them very apprehensive.

Pain is a part of natural labour process. Pain tolerance in labour varies from women to women. Some moms have low pain thresholds, that they demand ceserean very early in labour.
At this point it is important to stress that there are safe and effective options available for pain relief during labour. Every patient has the right to know about them. Talk to your doctor about your birth plan and pain relief in labour.
Epidural block or analgesia is a commonly used procedure for pain relief in labour. It can be used in patients when injectable painkillers like tramadol offer little relief.
The goal of epidural block is pain relief with full consciousness and active participation of patient in delivery process.
An anesthetist will explain the procedure to patient. It is given in lower back in a small area below spinal cord called epidural space. The patient is asked to lie down on one side or sit. Skin is cleaned with antiseptic. A local anesthetic agent is injected in skin where needle is to be passed.Then a needle is put in epidural space through which a very thin tube or catheter is passed.There will be little tingling, numbness or heaviness in lower body at this stage. The catheter is then fixed. A mixture of painkiller drugs is then injected through the tube at regular intervals to reduce pain. Low doses are used to minimize side effects.
The patient is fully conscious. She can move from side to side but may not be allowed to walk. The pain is reduced significantly. Patient becomes more comfortable. She feels less exhausted. She can use that energy later when pushing is required. At the same time contractions are still felt and pushing is fully possible. Little Pain will also be felt when doctor examines for dilatation. The lower part of birth canal becomes numb and even taking stitches after delivery causes no pain.
Simultaneously a injection is started to augment contractions under strict fetal heart rate monitoring. Artificial rupture of membranes at good dilatation also hastens the process. It is also good practice to reduce dose in the end when pushing by patient is required.
The side effects which can occur sometimes are reduced blood pressure in mother which slows baby's heart beat, for which good amount of intravenous fluids are given before the procedure.
It is best to use epidural at 3-4 cm cervical dilatation and start of active phase when chances of normal delivery seem good. If in any case ceserean is required it can be done through same anesthesia.
There are few myths among patients related to this procedure. One that it causes chronic back pain for years which is not true. Studies show incidence of backache in women is no different with or without epidural. Rarely there can be a headache due to spinal fluid leakage which is treatable. Other myth is that patient cannot feel pain so can't push so it increases chance of Ceserean section. It again is not true as she is fully aware of contractions and can push.
It makes birthing experience more enjoyable.
Most patients who use epidural block in first delivery ask for the same in subsequent delivery.
In our country it is slowly and steadily gaining popularity. The main hurdles in its use are prevalent myths mainly among family elders. A good counseling helps.
Disclaimer - these are the views of a qualified doctor and author. These are general suggestions and do not replace actual check up by a doctor. Any resemblance to anybody is coincidental.
Author information - Dr Harita N Kothia, Obstetrician and gynecologist, Mumbai
Visit www.familygynaec.com Read more
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My first experience with my little one Aarunya Reddy and about feeding my baby
I gave birth to my baby at the age of 24.I expected normal delivery but I don't get pains so that i go for c section.I got more pains after my delivery through c section.my mental condition also changed .I was depressed at that time.Actually if we are prepared for normal delivery but due to the some problems we went for c section ,our mental condition is not accepted at that time.So be prepared mentally.first two days after c section it is very painful.Even we cannot concentrate on our baby.First two days aftery c section I didn't get any breast milk,due to that I felt very sad.But doctor said that try to give milk to your baby,don't disappoint yourself.I started feeding my baby with hope,within 2 hours I feed milk to my baby successfully.I felt vey happy.After that till now i.e, 10 months am feeding my baby with lot of milk.Eat healthy diet,take nutrious food.My baby first 4 months,she didn't sleep in the nights. But we have to be more patience at that time.Dont irritate on your babies because they don't know what they are doing at that time.You should enjoy with your little one.This times we cant get again and again.So be happy with your little ones.Start feeding extra food to your baby at 6 months old of your baby.we should give milk to our babies till we get milk it may be 1 year or 2 years.How
Long time you gave milk to your baby your baby should grow stronger and stronger.massage your baby day and night till 6 months old.aftet that massage your baby at 1 time till 1 year old.tet to feed bananas and apples after 6 months old. Read more
Rashmi has added a new answer
Expecting Mom due in 2 months
8 hours ago
Q. hi mam for 2days I am seeing my baby bumb decreasing is it cause of worry?
Rashmi
Mom of a 9 yr 8 m old girl
8 hours ago
A. I don’t know how the bumps of your child decreasing that’s not fair to me second you have not mentioned the current age of your child to do it and there is no clarity in the query it would be difficult for me to help us so if you don’t mind can you please repost with all the necessary details associated with your question
Dr Ghouse has added a new answer
Trying To Conceive
7 hours ago
Q. Hello I had my period missed for April month and today I got my period. Is it normal to have period after 1 month or is there anything I should be worried about? Iam worried please let me know if that's ok or should I consult my doctor
Read moreDr Ghouse
Paediatrician
7 hours ago
A. consult your doctor for any evaluation required. if there is no relief it is better you see your doctor for proper examination particularly physical examination if there is need for doing investigations to find out the problem and treatment ok
Dr Ghouse has added a new answer
Guardian of 0 children
6 hours ago
Q. hllo am in 34 week of pregnancy,cramps in my hand and foots,my pulses is very fast,i feel tiredness internally,are these symptoms are normal
Dr Ghouse
Paediatrician
6 hours ago
A. get investigations particularly hemoglobin level. if there is no relief it is better you see your doctor for proper examination particularly physical examination if there is need for doing investigations to find out the problem and treatment ok
Dr Ghouse has added a new answer
Guardian of 0 children
6 hours ago
Q. i feel some fever internally also
Dr Ghouse
Paediatrician
6 hours ago
A. please check the temperature and get the investigations. fever can be because of different reasons most of the times viral bacterial sometimes due to less immunity there can be recurrence better to treat only with paracetamol if the fever more than 100degr
Rashmi has added a new answer
Guardian of 0 children
5 hours ago
Q. Now I am having pain till then my miscarriage has been done at home
Rashmi
Mom of a 9 yr 8 m old girl
5 hours ago
A. I’m sorry I’m unable to understand your query as you haven’t given any detail about it so whatever the situation is you should get a check with your gynaecologist the doctor would be able to give you better help in whatever treatment of precaution you need to require further
shilpi Bhandari has added a new answer
Guardian of 0 children
1 hour ago
Q. Hello
What is better normal or csec?
shilpi Bhandari
Mom of 2 children
1 hour ago
A. hello dear this is not about which is better this is all about your body and the condition of the baby no doubt the normal procedure is the painful but side effect are not there but after C6 you have to be little more careful and you have to take more precaution but again I am saying that this is not about the better one this is about the condition of your pregnancy
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Suresh Uppuluri
Guardian of a 1 yr 7 m old girl
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Nice bngram
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Nice memory of child we both enjoy.nice moment with
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#grandphoto
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