Tuesday, September 27, 2011

If a Child Has a Learning Difficulty

Disintegration occurs when the left and right side of the brain do not work together. When a child crawls on all fours, integration usually occurs. We must not generalise as all children, who did not crawl on all fours, have integration difficulties.

Signs of this difficulty
• Frequent falls and has a tendency to bump into things.
• Inability to follow directions.
• Language problems as evidenced by delayed talking and confused or garbled speech.
• Clumsiness and awkwardness when throwing or catching a ball.
• Difficulty remembering any academic knowledge acquired.
• Confused sense of time and distance.
• Good verbal ability but unable to read or write.
• Difficulty cutting with scissors and keeping inside lines.
• Poor sense of humour.
• Difficulty understanding oral directions.
• Problems with play because they don't understand the rules
• Often told by teachers that they are lazy because they don't do as they are told while they seem so obviously bright.

Remediation: A Program called "Brain Gym."

Auditory Processing Difficulties
Auditory processing is important in the learning process. When there is damage to the auditory processing part of the brain, children don't hear the sounds in the correct sequence. For example when the word 'cat' is said the children with auditory processing difficulties may hear 'tac'. As hearing sounds in the correct sequence is a very important skill for reading and spelling, it is important to identify and remediate this problem as early as possible.

Signs of this difficulty
• Can be very good at oral communication.
• Can be very good at manipulating materials such as blocks and jigsaw puzzles.
• They enjoy having stories read to them and can usually relate them back very well.
• They have difficulty with sounds and particularly with spelling.
• They write letters in the wrong sequence for example 'child' spelt as,'chidl'.
• They cannot write the correct letter when given the sound.

Remediation: A Multisensory Reading Program.

Visual Processing Difficulties
This difficulty occurs when the visual processing part of the brain is not functioning correctly. Visual processing involves the ability to distinguish the differences in shapes. It is also a very important part of learning to read and spell. Children who have visual processing difficulties:

• See what is on the page differently to what is actually there.
• Children may see squiggly lines down the page.
• They may not be able to distinguish the differences in letters.

Signs of this Difficulty
• Complains of sore eyes.
• Constantly rubs the eyes.
• Is good at oral discussion.
• Confuses b/d, p/q and other similar letters.
• Reverses letters or words when writing.
• Says that the writing looks fuzzy.
• Says that the writing moves.
• Skips words.
• Tires easily of reading.
• Complains of headaches after reading.

Remediation: Irlen lenses or help from a Developmental Optometrist.

Comprehension Difficulties

When children have difficulties with comprehension they:

• Have trouble following directions.
• Do not understand when read to, as they only hear words.
• May have a poor sense of humour.
• Forget the details of their toys.
• Can't describe what someone was wearing (from memory).
• Have problems understanding the rules of a game and so can be in trouble from their friends.

Remediation: Nancy Bell's Visualizing and Verbalizing program.

In conclusion it is important that the kind of Learning difficulty is identified early and appropriate intervention implemented. This prevents the child from developing low self-esteem or from becoming a behaviour problem.

Marguerite Clancy
Marguerite's passion is to help children and adults reach their potential in a more peaceful and joyful world. She is committed to early intervention and prevention. This is evident in her books, services and workshops. She is the author of Inspiring Success, Book A and Book B. Inspiring Success available from User friendly Resources.

Friday, September 9, 2011

Child Life Insurance A Good Option For Your Family

Child life insurance gives your son or daughter a financial head start. By purchasing child life insurance that includes a college savings component, you can protect your family while preparing for your child's future. Investing in a stable insurance plan for your children gives your family greater security against life's risks and uncertainties.

When you buy child life, consider a policy with a fixed premium payment plan. By insuring your child at an early age, you can lock in a premium that will not increase for as long as your child is covered. If you choose a whole life insurance policy that covers your child for a lifetime, your child will always enjoy the same low premium, even as he or she grows older. As an additional benefit, the cash value of your child's whole life insurance policy will continue to grow through the years.

Preparing for the Unexpected

No parent likes to consider the possibility that a child could be severely injured or become seriously ill. However, life can be unpredictable, and an accident or illness can affect even a healthy child. In addition to the emotional toll that these circumstances take on a family, the financial effects of extensive medical care for a child can be devastating. Along with the costs of standard medical care, parents may also pay for experimental treatment, accommodations away from home and time away from work. If medical treatment is unsuccessful, an uninsured family must also pay for a child's final services at a time of terrible loss.

The payout from a life insurance policy can give you and your family the financial support you need if your child is diagnosed with a terminal illness, suffers a severe trauma or passes away. Although life insurance can't remove the grief of losing a child, the benefits from child life insurance can relieve the financial stress caused by a child's extended illness or untimely death.

Child Life and College Savings Plans

Insuring your child isn't just about protecting your loved ones against the life's dangers. Innovative child life insurance plans combine an insurance policy with an investment strategy to support your son or daughter's dreams for the future. When you purchase a plan that combines life insurance with a college savings option, the funds that you accrue through this stable investment vehicle can be used to pay for your child's education or other professional objectives.

At the end of the term of a college savings plan, your child's policy can be cashed out for its monetary value. When your son or daughter is ready to go to college, he or she can receive a substantial payout to help with the costs of tuition. Your child can also use the benefits from a flexible child life insurance policy to finance other personal goals, like starting a business or buying a home. Child life can keep your family financially secure while helping you build a better life for your loved ones.