Accessory Tuesday: Memory Foam Slippers

I posted this late yesterday on the main site, but with the combination of the coronavirus and my upcoming baby due this summer, I’m starting to understand the consequences of my mortality. I’ve been thinking about life insurance for a few months, and now at 6 months pregnant, I’m a little concerned about not having it before the baby arrives.
Is this even practical? My blood pressure is above the standard for someone my age because of the baby. My weight is obviously elevated. Should I just wait until a couple months postpartum to apply? I’ve gotten a few quotes through our financial advisor so I know what my options are. I’m concerned about not passing the health exam and also not wanting to have a stranger come out and examine me right now.
Has anyone on here used Ladder or a similar service? They claim that many people are approved without a medical exam, though I don’t see how that’s prudent for them.
I know my risk of dying in childbirth is relatively low, but with everything going on it’s riskier than normal.

We have decided to hire a nanny to help with the kids. Nanny will start in approx 3-4 weeks (which is when our state is tentatively scheduled to open up slightly). Unless cases get much worse in our state, this is when we feel comfortable letting someone in the house. We are going to hire someone on a .7 schedule with the idea that they would continue if/when things open up. While I am cautiously optimistic on returning to work, I am in the camp of those that think we will not open up for a few more months, and even when we do there might not be full daycare or school coverage.
It seems that working from home with a nanny in the house has it’s own special issues. For those of you that have WFH with nanny, either before covid or just due to covid, do you have any advice? Either in how to navigate once we start, and any questions for a prospective nanny regarding WFH? We have set up two offices that are separated from the areas the kids will be during the day. We know that we should support nanny being in charge when she will be working. I’m also thinking of setting up set break periods throughout the day so nanny can get some time away from the kids (and parents).
Moving forward, I feel like we have to do to stay sane and keep our jobs. Both for now, and for when things open up, or partially open, or open and close again? I mean do any of us really know what is going to happen?

Can I get some sunscreen information? I relocated to a much sunnier location (100+ sunnier days than my last location!) and now I think my sunscreen game is going to fail. I replaced my face lotion with sunscreen + lotion (Neutrogena) and have always been on the SPF 50+ bandwagon, but…

When do you sunscreen yourself/kids? Every day? Every time before you go outside? If going outside for 10+ minutes? 20+? Easiest sunscreen for kids? (I use spray and think it’s convenient).

I live in a state that will likely open in full by Mid-May. I have a 3 year old and 1 year old. The 3 year old is normally in a preschool and the 1 year old is home with grandparents. I work part-time and my husband works in big-law. During the pandemic, I’ve been working as the kids sleep and with some help from the grandparents during the week and honestly, I’ve been managing. It’s not always pleasant but I haven’t dropped the ball at all at work. My husband is billing 60 hours a week, so he’s fine too.

I’m going to have to tell my employer that I don’t feel comfortable returning to the office until the fall, because in my heart, I just don’t feel ready to send my daughter this summer to camp. I know it may be okay, but in our particularly situation, it just does not feel necessary. However, I cannot ask our moms to watch both kids all day while I’m at the office, so I need to be home as well. My job isn’t a lot of calls and is a lot of work on the computer that I can do at anytime, so I think logically, it should be okay with my employer. I guess I just feel bad about asking for something different, but I’m already on a part-time track, so I’m trying to convince myself I don’t need to be like the full-time people.

Thoughts?

No experience as a parent, but I had two teachers share for third grade and all I remember is that they were both fantastic teachers (two of the best I had) and so dedicated. I invited both, and both came, to my high school graduation party. One taught mornings, one taught afternoons. From my perspective it was awesome to have two teachers, though they definitely had different styles and personalities.

Oh man, I’m spiraling today. We got an email from daycare today that they don’t expect to open before September 1. Our state is beginning gradual reopening in the next few weeks, and I can understand why they don’t feel ready to reopen now, but September 1 is so far away, and I feel like these dates only get pushed back, never moved up. These last 6 weeks have been so hard, and I don’t understand how we’re going to get through at least 4 more months of that. I know the answer is a babysitter, but that doesn’t fix the issue of my only child missing other kids.

At the risk of sounding like a monster, I’d like everyone’s input on this, particularly those with older kids.
My husband and I both work in fields that have us focused all COVID all the time right now, so it’s… morbid, some days. My kids seem to have no idea what’s going on, the 10-year-old in particular. I don’t want to traumatize him or stress him out unnecessarily, but it’s starting to bother me that we’ve maybe sheltered him a bit too much from how serious this all is. I know he probably misses school, and that’s the reason for his uncharacteristically-poor attitude, but it’s really rubbing me the wrong way right now. He was largely left to his own devices the first couple of weeks after school closed and our work picked up, and now he is very mopy if placed under the slightest expectations of doing things like school work, or cleaning, etc. Last night he was super picky about a dinner he normally loves, and it really made me angry that he feels like he has the luxury to feel like he can refuse dinner because he thinks I put slightly too much garlic butter on something when there are MILLIONS more families than usual patronizing food pantries right now. I think part of it is a parental instinct kicking in where I’m like “oh my gosh is this kid going to make it if things get really tough? He can’t even handle too much garlic butter on the bread”.
Anyway, my ask is, how do I balance letting him know how serious this is and how tough this is on a lot of people right now, without traumatizing him?