Pregnancy Outcomes During The Covid
Shiliang Liu, Susie Dzakpasu, Chantal Nelson, Shu Qin Wei, Julian Little, Heather Scott, K.S. Joseph
Background: Several studies have documented changes in preterm birth and stillbirth during the COVID-19 pandemic. We carried out a study to examine obstetric intervention, preterm birth and stillbirth rates in Canada from March-August 2020.
Methods: The study included all singleton hospital deliveries in Canada from March-August 2020 with information obtained from the Canadian Institute for Health Information. Data for Ontario were examined separately because this province had the highest rates of COVID-19 in the study population. Rates and odds ratios with 95% confidence intervals were used to quantify pregnancy-related outcomes.
Results: There were 136,445 and 717,905 singleton hospital deliveries in Canada in March-August 2020 and March-August 201519, respectively. Rates of obstetric intervention declined at early gestation. Odds ratios for labour induction and cesarean delivery at < 32 weeks gestation contrasting March-August 2020 vs March-August 201519 were 0.84 and 0.92 , respectively. Preterm birth rates increased in Canada from 6.42% in March-August 2015 to 6.74% in March-August 2019 but were unchanged in March-August 2020 . Stillbirth rates were stable between March-August 2015 and March- August 2020. However, stillbirth rates peaked in Ontario in April 2020 due to higher rates of stillbirths at 2027 weeks and 3741 weeks gestation.
How Your Car Loan Affects Your Application
If you owe money on a motor vehicle, a lender will also factor in your need to keep making repayments. If youâve taken out that loan with another person, such as your spouse, a lender may even treat the debt as though itâs entirely yours and reduce your borrowing capacity accordingly.
Alternatively, if you have a novated lease over your vehicle, that lease will come out of your pre-tax income and reduce the amount of money in your pocket each month. This could affect the income side of the equation and also reduce your borrowing capacity.
Deal With Problem Debts
If you cant cut the cost of the debts, or if after doing that youre still struggling, its time to consider some more severe measures.
- Talk to your lender. Its very important to get on top of debts as soon as possible. Dont default or miss payments. Its always better to let your lender know if youre going to be unable to pay. Of course, preventative measures such as reducing interest, expenditure and being a smart consumer are the best form of action. If youve received a letter asking you to pay more on your credit card, have a look at our Persistent debt guide for specific help.
- Is a debt management plan right for you? A debt management plan is an agreement between you and your creditors to pay your debts. You make regular payments to a licensed debt management company, the company then shares this money out between your creditors. This is one the least serious of the debt solutions options, as its the only one that doesnt go through the courts. DMPs rely on you having spare cash to repay your creditors, and for them to accept theyll get their money over a longer period than set out in your credit agreement. For full information, see the Debt solutions guide.
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How Can I Get A Mortgage Loan
A mortgage lender can lay out the requirements more in-depth, but here are a few quick facts on earning a home loan.
To earn a loan, you must have a good debt to income ratio, credit score, and credit report. On average, the minimum credit score required for a home loan is around 500 600. Bad credit or a low credit score can make it difficult to obtain a loan, but its not impossible.
When looking at mortgage loans, there are different options you can choose from.
Residential Green Space And Fecundability North American Preconception Cohort Study
Background: A growing body of literature suggests that exposure to green space may have positive effects on human health, including reproductive health. Residential green space may improve health via reduced exposure to traffic-related air pollution, reduced depressive symptoms or stress levels, and increased physical activity. We hypothesize that increased exposure to green space may also promote fecundability, a sensitive marker of fertility.
Methods: In a large North American preconception cohort study , we examined associations between residential green space and fecundability . From 2013 through 2019, women aged 2145 years who were trying to conceive without fertility treatment completed online questionnaires every 8 weeks for up to 12 months. We followed participants until reported pregnancy or a censoring event whichever came first. Using geocoded residential addresses over follow-up, we calculated seasonal NDVI within 50500 meter buffers around each residence to quantify green space exposure. We used proportional probabilities regression models to estimate fecundability ratios , adjusting for sociodemographic and lifestyle characteristics.
Results: Among 7644 pregnancy planners, adjusted models show an FR of 1.07 when comparing the top quintile to the bottom quintile within 250 m of a residence. Results are similar for other distance buffers.
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How To Minimize The Effect Of Hard Credit Inquiries
When youre buying a home or car, dont let a fear of racking up multiple hard inquiries stop you from shopping for the lowest interest rates.
FICO gives you a 30-day grace period before certain loan inquiries, like those for mortgage or auto, are reflected in your FICO® credit scores. And FICO may record multiple inquires for the same type of loans as a single inquiry as long as theyre made within a certain window. This window is typically about 14 days.
While some lenders can rely on scoring models that give you more time to shop without incurring an additional hard inquiry, you may want to stick to 14 days to do your comparison shopping, since you likely wont know which scoring model a lender relies on to generate your score.
What Happens If You Pay A Fine A Day Late
Its highly unlikely that anything will happen to you for paying a day late. The worst thing to usually happen for unpaid fines is that they go to collections after they are a month or two late. The cops are not going to come looking for you. Just call the court on Monday to make sure its all paid off.
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How To Improve Your Credit Score
If your credit score is low, there are steps you can take to help improve it. You can:
- lower your credit card limit
- limit how many applications you make for credit
- pay your rent or mortgage on time
- pay your utility bills on time
- pay your credit card on time each month either pay in full or pay more than the minimum repayment
As you do these things, your credit score will start to improve. So you’ll be more likely to be approved next time you apply for a loan or credit.
If you’re struggling to pay bills and are getting into more debt, talk to a free financial counsellor. They can take you through the options and help you make a plan.
Association Between Hypertensive Disorders Of Pregnancy And Dementia: A Systematic Review And Meta
Karen Schliep, Hailey McLean, Bin Yan, Fares Qeadan, Shinyoung Ju, Lauren Theilen, Surrendra Sharma, Michael Varner
The last 5 years have seen an increased focus on maternal hypertensive disorders of pregnancy and subsequent chronic disease risk, including cardiovascular disease and cognitive decline. While several systematic reviews and meta-analyses have reported on the risk of cardiovascular disease in relation to HDP, no formal evaluation has been conducted for cognitive decline.
Therefore, we aim to summarize the evidence for the impact of HDP on dementia, taking into account unique associations between HDP and dementia subtypes. A comprehensive search in Medline, Embase, and Pubmed was conducted to identify relevant studies. The exposure was all- cause HDP and HDP subtypes: gestational hypertension, preeclampsia/eclampsia, or other HDP. Outcomes were all-cause dementia and dementia subtypes: Alzheimers disease, vascular dementia, or other dementias. Sensitivity analyses were done to examine the influence of individual studies.
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Changes In Perceived Quality Of Prenatal Care Following Covid
Kaitlyn Stanhope, Kendra Piper, Peg Goedken, Tatyana Johnson, Naima Joseph, Angeline Ti, Franklyn Geary, Sheree Boulet
Background: In response to the COVID-19 pandemic, many health systems changed the structure of prenatal care, including reduced in-person visit schedules and incorporation of phone-based visits. Our goal was to understand differences in perceived quality of and satisfaction with prenatal care following changes in care modality .
Methods: We conducted a mixed-methods study with 67 postpartum women who initiated prenatal care at Grady Memorial Hospital prior to March 2020 and had at least one phone-based prenatal visit. All completed a web-based survey and 16 completed semi-structured in-depth interviews. We measured quality of and satisfaction with in-person and phone-based visits using the Quality of Prenatal Care Questionnaire. Here we present descriptive statistics for quantitative results and thematic analysis of qualitative data.
Despite overall high reported quality, quantitative scales may not accurately reflect patient experiences, as qualitative results suggest nuance and room for improvement in visitor policies and remote appointments.
Mode Of Birth By Type Of Antenatal Education: A Prospective Observational Study
Antonia Shand, Bronwyn Lewis-Jones, Timothy Nielsen, Jane Svenssen, Anne Lainchbury, Amanda Henry, Natasha Nassar
Background: Antenatal education aims to prepare expectant parents for pregnancy, birth, and parenthood. Some studies have reported antenatal classes teaching breathing and relaxation methods for pain relief, termed psychoprophylaxis, reduce the rate of caesarean section compared with general birth and parenting classes. Given the rising rates of caesarean section, we aimed to determine whether there was a difference in caesarean section rates in women based on the type of antenatal education attended.
Methods: A cross-sectional antenatal survey of nulliparous women > = 28 weeks gestation with a singleton pregnancy was conducted in 2 maternity hospitals in Sydney, Australia in 2018. Women were asked what type of antenatal education they attended and sent a follow-up survey post-birth. Hospital birth data was also obtained. Education classes were classified into 4 groups: psychoprophylaxis, birth and parenting, other or none.
Results: 505 women with birth data were included. A higher proportion of women who attended psychoprophylaxis education had a vaginal birth compared with women who attended birth and parenting, other or no classes . After adjusting for maternal characteristics, birth and hospital factors, the association was attenuated due to small numbers .
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If Youve Applied For Financing Or Other Credit And The Lender Checked Your Credit Scores As Part Of The Process Youve Probably Experienced Whats Called A Hard Credit Inquiry
When lenders check your credit with a hard inquiry , they often make a note of their official review in your . They use that information to assess how youve handled credit in the past, how often youve paid your debts and bills on time, and whether you have any derogatory marks on your credit reports.
They also want to know how much credit youre juggling and how long youve been managing your credit. All of these factors help creditors decide whether to extend new credit to you or give you additional credit.
You can help yourself prepare for a hard credit pull by monitoring your credit reports and making sure there arent any unpleasant surprises. Checking your own credit reports often involves whats known as a soft credit inquiry, or soft pull.
Lets take a deeper look at the differences between hard credit inquiries and soft credit inquiries.
Five Things That Can Hurt Your Financial Reputation
WITH the excesses of Christmas behind us and the New Year sales over, some of us may have bitten off more than we can financially chew and are only now feeling the pain.
In fact, in Western Australia, just over a third of us are currently affected by debt stress.
If struggling with debt leads to late credit card or phone payments or any other financial sins a persons credit rating may suffer without them even realising it which could in turn seriously affect their financial plans.
So, if youre putting pen to paper to create a financial plan for 2013, be sure to include a credit rating check its well worth the time.
Late repayments and unpaid debts are just a few of the things that can result in black marks on a persons credit history. Other things include:
1. Being rejected for loans, mortgages and credit cards multiple times
Each time a loan, mortgage or credit card application is rejected, it is recorded by the lending institution. Each time a new application is lodged, even with a different lender, past rejections will resurface. The best way to avoid being rejected based on previous rejections is to stop applying for loans or credit cards until the reason for rejection is resolved this can be achieved by talking directly with the lending institution.
2. Defaults, late payments and maxing out at a single institution
3. Moving from a rental property and leaving bills in your name
4. Unpaid parking fines, video rental fees, and library fines
References
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What Is A Credit Utilization Ratio
A credit utilization ratio compares the amount of money you owe to the amount of credit lenders are willing to lend you. Your credit utilization considers all balances and credit limits across all open revolving credit accounts, and on individual accounts as well.
This calculation considers the balance on your card when your statement closes each month, even if you pay your card off in full. In other words, it may not be enough to pay your card off in full each month to have a low credit utilizationâif you accrue a high balance that gets reported on your statement, this will impact your utilization even if you pay it off all in one payment.
We advise using no more than 30% of your credit limit, overall and on each individual card, in order to maintain healthy, attractive credit. Lenders will likely consider those who have too much credit utilization as higher-risk borrowers, so the lower your credit utilization, the better.
Note that only revolving credit, such as credit card accounts and home equity lines of credit, affect utilization. With these, you borrow and repay as you go. In contrast, installment credit like auto loans and mortgages involve borrowing a set amount and making a set monthly payment.
Actively Manage Your Credit For An 800+ Credit Score
While you should avoid opening new accounts regularly, particularly if you plan to get a mortgage in the next six months, itâs a good idea to keep tabs on your credit and work to improve your credit score over time.
Good credit is extremely valuable for your financial health. Now that you know whatâs involved, and what isnât, you can work to join the 800+ club of excellent credit scores where you get the best rates and credit cards available. You might not need your credit today, but itâs a good asset to have while managing your financial life.
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Is Tally A Bank
Tally Money is an e-money institution, which means you have different protections under UK law. Like any bank account issued under an e-Money licence, Tally accounts are not covered by the Financial Services Compensation Scheme.
How can I record cash deposit in Tally? Cash Deposit Slip
How can I enter bank deposit in Tally?
Go to Gateway of Tally > Banking > Deposit Slip.The Select Bank screen displaying the List of Bank appears. Select the required Bank account and press Enter. The Deposit Slip screen of the selected Bank is displayed.
How does Tally make money? We make money by charging interest on the amount you borrow from us. We aim to keep interest rates as low and fair as possible. Theres a strong chance your Tally interest rate will be much lower than your credit card APRs and if it isnt we will only make payments when we can save you from paying a late fee.
Severe Maternal Morbidity And Cardiovascular Disease
Ugochinyere Vivian Ukah, Natalie Dayan, Aimina Ayoub, Brian Potter, Nathalie Auger
Introduction: The relationship between severe maternal morbidity and cardiovascular disease is not well studied. Severe maternal morbidity consists of life-threatening complications around pregnancy that may affect cardiac function. Our objective was to examine the long-term risks of cardiovascular disease after a pregnancy complicated by severe maternal morbidity.
Methods: We used a longitudinal cohort of women who delivered in the province of Quebec, Canada between 1989 and 2019. The exposure was severe maternal morbidity, defined according to the Canadian Perinatal Surveillance System, and included conditions such as acute renal failure, and severe preeclampsia. The outcome was hospitalization for cardiovascular disease beginning 42 days after delivery, with follow-up extending up to thirty years later. We used time-varying adjusted Cox regression models to estimate hazard ratios with 95% confidence intervals for cardiovascular outcomes, comparing severe maternal morbidity with no severe morbidity.
Severe maternal morbidity is associated with a greater risk of cardiovascular hospitalization after the postpartum period, compared with no morbidity. Women with severe maternal morbidity may benefit from clinical surveillance after delivery, to prevent the development of cardiovascular disease.
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