Wednesday, November 25, 2015

Fisher-Price, Ferrari and Mothercare car seats - A Re-branded Nania

Fisher-Price, Ferrari and Mothercare brand range of car seats are practically re-branded car seats by Nania. So in terms of functionality and design, they are exactly the same. The difference may be in terms of quality of the fabric.

The above mentioned brands has the exact same complete range of car seats which in my opinion covers your kid right from infancy till they are big enough for just a simple booster seat.

Below are the list of groups of car seat for kids of different sizes. All the car seats in each group are practically similar.

Group 0+

This group of car seats are for infants up to 13 kg. However the new car seat standard is no longer based on weight but the height of the child so as soon as your child outgrows the tallest harness position, it is time to change the car seat to the next group.

The seat is secured to the car with the car's 3 point seat belt and the child is seat secured to the seat with its 3-point harness.

The good thing about this group of car seats is that you can remove the seat from the car while the baby is still in the car seat. However, securing the seat to the car with the car's 3-point seat belt can be a challenge and it increases the possibility of improper installation.

Group 0-1

This group of car seats can be converted from rear facing to front facing when it is appropriate.

It being in the group 0-1 means it is suitable for your child from birth when installed rear facing. When your child is able to lift himself up and has outgrown the lowest harness position, it can then be be installed front facing but it is best to keep the seat rear facing for as long as you possibly can (and if your child is cooperative)

The seat itself is attached to a mounting base that allows the seat to be reclined without having to readjust the car seat belting, which is a good thing. There are other convertibles that requires you to re-belt if adjust the recline angle which is very inconvenient and also increases risk of improper installation.

However, the seat retains its seating position so your child do not actually lean back when the car seat is reclined which is similar to the likes of Maxi Cosi Priori range of car seats. This car seat should last you for quite a while until your child outgrows it.

The seat is secured to the car with the car's adult 3 point retractable seat belt or ISOFIX / Latch Tether combination and the child is seat secured to the seat with its 5-point harness.

Group 1-2-3

This group of car seats are for taller kids that have outgrown the convertibles.

It is practically a booster seat with a high back and 5 point harness for taller kids. The harness and high back can be removed. So if you already have or are going to have this, it will be the last car seat you will ever need for that same child.

The seat is secured to the car with the car's adult 3-point retractable seat belt and the child is secured to the seat with its 5-point harness

Group 2-3

These car seats are practically the same as the previous group but without the harness so if you already have one of those and your child has outgrown the tallest harness position, you can remove the harness and buckle and you will have the same thing.

Child is secured to the car with the car's adult 3 point retractable seat belt.

Group 2-3

These seat are practically the same as the previous group but without the back rest. So if you have a seat from any of the two previous groups, you can convert them by removing the harness and/or backrest. 

This car seat is for kids tall enough that the car's 3 point seat belt does touch their cheeks when seated on this booster.

Child is secured to the car with the car adult 3 point retractable seat belt.

Sunday, February 8, 2015

All you need to know about Child Development Account (CDA)

Child Development Account (CDA) is a special savings account that you open at any of the following banks for your child who is eligible for CDA

- DBS Bank Limited (DBS), which will start providing CDA services from the second quarter of 2015
- United Overseas Bank (UOB), which will start providing CDA services from the second quarter of 2015
- Standard Chartered Bank (SCB), which will continue to manage its existing CDAs until end 2018. Parents can continue to open CDAs with SCB until the second quarter of 2015.

You can save in the CDA any time until 31 December in the year your child turns 12 years of age. The savings will be matched dollar-for-dollar by the Government in the following month up to the cap of

While you may not withdraw the savings in the CDA in cash, it can be used to pay for approved expenses for all your children at Approved Institutions which includes 

- child care centres licensed by MSF, 
- kindergartens and special education schools registered with the Ministry of Education (MOE) or the Council for Private Education (CPE), 
- early intervention programmes registered with the National Council of Social Service (NCSS) or SG Enable, 
- healthcare institutions licensed under the Private Hospitals and Medical Clinics (PHMC) Act, 
- pharmacies registered with the Health Sciences Authority (HSA), 
- optical shops registered with the Accounting and Corporate Regulatory Authority (ACRA) and
- assistive technology devices providers registered with ACRA or known to either the Ministry of Health (MOH) or SG Enable. 
- MediShield or Medisave-approved private integrated plans

If a child has unspent balance in his CDA, a Post-Secondary Education Account (PSEA) will be opened for him in the year he turns 13 years old for a child born in or after 2006.

If the parents have not saved up to the CDA contribution cap, they can continue to contribute to PSEA and receive the government’s matching grant until the contribution cap is reached, or when the child turns 18 years old, whichever is earlier.

Just as the CDA, PSEA funds cannot be withdrawn in cash but can be used to pay for all your children fees and charges for approved programmes conducted by the institutions indicated in the table below

Approved InstitutionsApproved Programmes
Autonomous Universities
  • National University Of Singapore (NUS)
  • Nanyang Technological University (NTU)
  • Singapore Management University (SMU)
  • Singapore University of Technology and Design (SUTD)
Undergraduate and postgraduate programmes
SIM University (UniSIM)Undergraduate and postgraduate programmes
Singapore Institute of Technology (SIT)Undergraduate programmes
  • Nanyang Polytechnic
  • Ngee Ann Polytechnic
  • Republic Polytechnic
  • Singapore Polytechnic
  • Temasek Polytechnic
Diploma and Poly-FSI degree programmes
Polytechnic Foundation Programme
Institute Of Technical Education (ITE)Nitec, Higher Nitec and ITE-FSI diploma programmes
LaSalle College of the Arts
Nanyang Academy of Fine Arts (NAFA)
MOE-funded diploma and degree programmes
Singapore Workforce Skills Qualification (WSQ) Continuing Education and Training (CET) Centres (42kb .xls)
(as at 30 Dec 2013)
Singapore Workforce Skills Qualification (WSQ) courses from July 2008 (include WSQ Statement of Attainments (SOAs) and full qualification programmes)
Government-supported Special Education (SPED) SchoolsStudents’ own fees and charges in SPED Schools from Jul 2008

The PSEA balance will earn interest pegged to the CPF Ordinary Account (CPF-OA) which is 2.5% per annum currently. (Note - The extra 1% interest on the first $20,000 in the CPF-OA will not apply to the PSEA.)

The PSEA will be closed when the account holder turns 30. Any unused funds in the PSE will be transferred to the account holder’s CPF Ordinary Account (CPF-OA).