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If you get a paper or digital bank statement each month, it may contain the BIC code somewhere in the fine print. Look for “BIC” or “SWIFT” — which, remember, are interchangeable — followed by a string of 8 or 11 characters. BIC and SWIFT codes are assigned by 2 different organizations that have agreed to a single standard, meaning that BIC codes and SWIFT codes are essentially one and the same. With enough clicking around, you should be able to track down the BIC code for your bank. For instance, if you have an account with PNC Bank, N.A. (U.S.A.):  Log into your account with your username and password. Click on one of your accounts (e.g., “Interest Checking”). Click on “Show Account and Routing Numbers,” and re-enter your password. Click on “For Wire Transfers” and get the code PNCCUS33. The tellers at any bank branch will probably be able to tell you their BIC or SWIFT code from memory. Or, at the very least, they should be able to look it up quickly. It will probably take longer to connect to a customer service representative than it will take for them to give you their BIC code. If you track down contact information for any bank in the world that handles international transactions, you can ask for their BIC code.

summary: Look over your bank statement. Log into your online banking account. Visit a bank branch and ask for their BIC code. Call a bank's customer service line and ask for their code.


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Establishing a bond with your baby as a newborn and throughout infancy is an important part of promoting her health and development. From soothing, cradling, and eventually playing with your baby, do activities that promote a bond between you and your child. You can bond with and stimulate your baby through a variety of activities including:  Massage or gentle stroking Vocal stimulation such as talking, singing, reading, or cooing.  Maintaining eye to eye contact at close range.  Playing with age-appropriate toys. Most babies will invariably get cranky at times. Soothing her as she cries can help her to calm down and promote your bonding.  Avoid sudden movements, bright lights, and loud noises so that you don’t startle your baby.  Pick your baby up if she cannot calm down from crying. Stroke her skin and speak to her in a soft voice to help her calm down.  Swaddling newborns and babies under two months can help soothe them. No matter if you are using a carrier, car seat, or stroller, make sure that your baby is securely fastened into the unit. This can prevent injuries or even death.  Learn how to properly secure your baby in carriers, strollers, and car seats. Most hospital will not allow you to leave without an appropriate car seat that you can properly use.  Ask questions about using carriers, strollers, and car seats as you need. You can also read packaging instructions. Limit activities that are too rough or bouncy, which can be dangerous for a baby. Many people feel overwhelmed when caring for a baby. Ask your partner, friends, or family members to help you care for your baby on occasion or when you need it. You may want to consider hiring a reputable babysitter you trust to give you some me time, too.  Know that it’s okay to ask for help and that many people are willing to help out with babies.  If you don’t have any close friends or family to help you, your doctor or local hospital may help you find someone to help you. Schedule regular doctor’s visits for your baby. In addition, if you have any questions or concerns, contact the pediatrician’s office. It’s better to be safe and ask questions than have something turn into a problem. Talk to your doctor right away if you think your baby has a fever or seems ill or is injured in any way.   Schedule regular doctor’s visits for your baby. Your pediatrician will check that she is thriving and developing according to schedule. In addition, she will make sure your child is vaccinated against diseases. Your baby should see her doctor at regular intervals including: at birth, three to five days old, two to four weeks, two months, four months, six months, nine months, one year, 15 months, and 18 months.  Note what each visit will entail so that nothing comes as a surprise. For example, at three to five days your doctor will check your baby’s weight, length and head circumference and ask questions about feedings, sleeping habits, and defecation. At two months, your baby will receive his first round of vaccines. At nine months, your doctor will check your baby’s size and developmental issues such as speaking, standing, and playing peek-a-boo.

summary: Promote bonding with your baby. Soothe a cranky baby. Secure your baby in carriers. Ask for help. Visit your pediatrician.


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One of the easiest ways to prevent the infection of skin is to practice good hand hygiene such as washing your hands frequently. Alternatively, you can use hand sanitizer when soap and water aren't available.  Wash your hands frequently. After wetting hands and applying soap, rub hands together for at least 20 seconds (or the time it takes to sing "Happy Birthday" twice). Be sure to rinse thoroughly with warm water. Dry hands using a paper towel or air dryer. Use an alcohol-based hand sanitizer when soap and water aren't accessible. After applying the sanitizer, rub hands together until they are dry. Be sure to apply product to all surfaces of the hand including in between fingers. In some public places, such as hospitals and nursing homes, there is often a sanitary station where you can keep your hands clean. These are usually foam-based sanitizers which sometimes have moisturizer in them, too. Utilize these stations when you can. Although washing hands often helps reduce skin infections, it can also lead to dry skin. Dry skin may result in cracks in the skin, which can allow bacteria to enter the cut. Use a moisturizing lotion often to prevent cracks and peeling of the skin.  Avoid lotions that have a long list of ingredients including many perfumes and fragrances. Plain moisturizers such as petroleum jelly work best. As a rule of thumb, creamy moisturizers tend to have more preservatives so grease-based moisturizes tend to be more effective. Some germs can survive on surfaces anywhere from hours to days. By avoiding skin-to-skin contact with surfaces like locker room floors and doorknobs, you can decrease your chance of coming into contact with infectious germs.  Clean or use a barrier (like gloves or napkins) when touching overly-exposed surfaces. Items like restroom doors, restaurants menus, and cell phones are full of bacteria. Avoiding direct contact with such items can reduce the spread of germs. Sanitize surface areas often by using household disinfectants or wipes such as Lysol. Even though people are taught from a young age that "sharing is caring," sharing personal hygiene items or items that come into contact with bodily fluids can often lead to the transmission of germs.  Personal hygiene products always contain germs. Avoid sharing items like make-up, hair brushes, towels, and deodorant. Never share toothbrushes or razors. Sharing drinks and eating utensils easily spreads saliva which is a common host of germs.
summary: Keep your hands clean to reduce skin infections. Moisturize dry skin. Avoid contact with overly used surfaces. Avoid sharing personal items.