Educating Special Needs Children

Educating a child with special needs is an enormous topic — worthy of several books — but we’ll cover the basics here today.

The Most Important Part of Special Education

By far, without any question, is realizing there’s a problem and defining the problem. If a child makes it to kindergarten without anyone noticing anything dramatically wrong, it’s easy to assume the problem is something minor. (Sometimes, it actually is — we know of at least one child that was diagnosed with profound ADHD when his actual problem was nearsightedness; he wandered around the classroom not because he couldn’t focus, but because he was trying to get a better view of the activities.)

Further complicating the problem is the fact that many special-needs diagnoses are interrelated, or very similar in symptoms. For example, ADHD is strongly correlated with dyslexia, dyscalculia, and several similar diseases — but it’s not associated with the autism spectrum even though it shares far more symptoms in common with mild autism than it does with any of the dys- conditions. A child that doesn’t like to talk might be autistic, or they might have apraxia, or social anxiety disorder, or they might have a bad stutter… or they might be deaf and unable to hear you when you try to provoke a conversation. The point here is that special educators, no matter how skilled, cannot help a child if they’re using tools and techniques designed for the wrong disorder.

Special Needs is Not ‘Remedial.’

The next thing to remember is that there is a large difference between ‘special needs’ and ‘poor scholastic performance.’ Remedial education and special needs education have some overlap, but they are two different subjects — because ‘special needs’ can include scholastic affective disorders like dyslexia, but can just as easily include educating a brilliant but deaf student or a student with Asperger’s Syndrome that is an amazing mathematician and geographical wizard, but has trouble understanding the basics of social play and turn-taking. A good special needs program understands how to deal with gifted children — because being gifted is a special need — as well as those that need remedial assistance. Recognizing strengths has to be part and parcel of every special child’s education.

In fact, there is a special designation in special education — ‘2E’ — for those kids that are ‘twice exceptional,’ and require accommodation in both directions. A girl that is reading three grades above the rest of her classroom, but is also profoundly affected by ADHD and requires constant attention to stay on task — that’s 2E. A boy that is dyscalculic and cannot perform mental arithmetic, but is also a musical prodigy that masters new songs within days — that’s 2E. And these children are more common that most people understand.

The Same is True at Home

If it’s not obvious, these two overarching principles apply just as much to all of the lessons you teach your child at home as well. If you refuse to acknowledge that your child is different than the others, or if you assume that the problem is one thing without getting an expert diagnosis, you’re making a dire mistake. Similarly, learning that your child has dyslexia or ADHD doesn’t mean you have to treat them like they’re not as smart as a ‘normal’ kid — they are, they just have an issue they need your help overcoming.

Special Education Tools

Here are the biggest, broadest tools of special education, and how they relate to those principles:

The Individualized Education Plan (IEP)

The keystone of modern special education, IEPs serve as record-keeping, as a source of information for future educators, and as a tool for assessing the child’s progress. Each IEP contains information about the child’s diagnosis, known expressions thereof, and a record of every technique and tool used in the attempt to educate the child. Without an IEP, there is no individualization — and thus, there is no special education.

Your child’s doctor and/or the school’s specialists will tell you if they’ve been diagnosed with a condition that puts them in the ‘needs an IEP’ category. Not all children with a given diagnosis do — there are plenty of kids with ADHD who get by in mainstream school with no IEP, for example — but there are absolutely those who require special effort even if they receive and properly use a prescription such as Concerta or Adderall. Deciding whether a given child can cope with the school system ‘as-is’ or whether they require legitimate specialized education is part and parcel of the process.

The Special Education Crew and Room

Dealing with one special needs child at home can be quite difficult — imagine dealing with six, eight, or fifteen in a classroom setting! There’s simply no teacher, no matter how expert, who can predict how the kids will interact. When the ADHD kid jumps up partway through an assignment because he decided that spinning around in a circle is more fun than addition, and in his spinning he quite accidentally smacks the child with Oppositional Defiant Disorder in the back of the head, what will happen?

Will she scream at the top of her lungs and scare the autistic student into having a bathroom accident? Will she attack the ADHD boy and leave him wondering why he’s suddenly on the ground and bleeding from a scratch across the cheek? Or will she just upend her desk and get the entire room breaking down into a chaotic melee?

That’s why almost every special education classrooms features a ‘safe room,’ with padded walls and noise insulation a child can retreat to when they know they can’t cope. It’s also why every special educator comes with a squadron of assistants. Some of them are specialized therapists, like the speech pathologist or the occupational therapist; others are ‘simply’ other educators that are trained to deal with the occasional full-classroom breakdown and keep control.

Take-Home Lessons

As a parent, you can learn from these realities. Of course, you already individualize the attention you give your child — but do you keep a record of problems you encounter, solutions you attempt, and how well they succeed or fail? Can you see how that will be useful within a month or two? Do you have a ‘safe space’ the child is allowed to retreat to when overwhelmed? Ask your child’s teacher what tools they use that have worked for your child, and how you can implement similar strategies at home. Special education doesn’t have to — and shouldn’t — stop just because your child left the classroom.

Education Plans

The third biggest financial goal for a family is saving for a college education. Buying a house and retirement are the first two goals. With the cost of higher education on the rise, parents are beginning to try and set aside money for education as soon as a child is born. There are two popular federal and state sponsored plans that make saving for college easy: the Coverdell and the 529 plan.

The Coverdell Education Savings Account

The Coverdell is a federally sponsored plan that helps you to set aside money for higher education expenses. These expenses include tuition, fees, books and supplies, and even room and board.

The annual contributions are not tax deductible, making the withdrawals tax-free as long as they are used to pay for eligible education costs. There are limits to the amount of annual contributions that can be made each year.

The Coverdell is established as a custodial account, set up by the parent or another adult to pay for the education expenses of a designated beneficiary. The child must be under the age of 18 to establish an account. All balances must be spent within 30 days of the child’s 30th birthday.

Any financial institution that handles IRAs can assist you in setting up a Coverdell, including banks, investment companies and brokerages. The Coverdell is like an IRA in that it is an account. You can put your account funds into any investment you want – stocks, bonds, mutual funds and certificates of deposit are just a few options.

You can establish as many Coverdell accounts as you want to for a child. For example, you could have one account at your local bank and one at a brokerage. Some plans have many fees associated with them. Make sure that the management fees for the multiple accounts don’t cancel out your overall return.

If your child decides not to go to college, he or she will lose a great deal of money. When he turns 30, he must withdraw the balance of the account within 30 days. Any money withdrawn that isn’t used for educationally eligible expenses is taxed and charged a 10 % IRS penalty.

If your child decides not to go to college, that doesn’t mean that his or her child won’t. The child can roll the full balance into another Coverdell plan for another family member, including siblings, nieces and nephews and sons and daughters.

529 College Savings Plans

These state sponsored 529 plans are named after the federal tax code section that provides for their use. All 50 states and the District of Columbia offer 529 plans. The contributions to the plan are not tax deductible, but your withdrawals are tax-free when you use the money for a qualified educational expense.

529 plans fall under two categories: prepaid tuition and savings/investment plans.

The prepaid tuition plan allows you to purchase units of tuition for any state college or university under today’s price. You are buying a semester of attendance for a child. What you buy today will be good for any future date, no matter how tuition rates rise. With private and out-of-state colleges, the child’s prepaid tuition does not include the rise in tuition costs. For example, if you buy two years of college tuition for an out-of-state tuition, you may only receive a single semester in ten years.

Either the beneficiary or the contributor must reside in the state that the 529 is formed in.

With savings plans, an account is opened and investments are chosen within the account. If you start the plan when a child is young, you can choose some aggressive investments for long term growth. As the child ages, you can move your investments into more conservative options.

The withdrawals are tax-free if they are used to pay for college expenses. These expenses can include tuition, books and room and board. An easy way to think about a 529 savings plan is as a 401(k) dedicated to educational expenses. As with a 401(k), there are many different investment choices. Many states programs are open to nonresidents, so look around for the best plans.

If your child decides not to go to college you have three options. You can hang on to the savings plan in case your child decides to attend college at a later date. The account can be transferred to another family member for college expenses. You could also cash out the account and just take the loss. Most states will charge a penalty of 10% of the earnings for any withdrawal not used for education. On top of this, a federal penalty of 10% will be charged also. There is no penalty for withdrawals due to death or disabled status.

The tax-free advantages of a college savings plan makes 529 plans beneficial, but they aren’t right for everyone. If you have a 529 prepaid tuition plan, applying for financial aid is affected by reducing your financial aid on a dollar per dollar basis. Low income families, who are often eligible for large amounts of financial aid, are advised not to participate in 529 plans.

Coverdell plans will also decrease the amount of financial aid available, but only by about 5 to 6% of the account’s value. College savings plans are great for families that will not qualify for financial aid or only qualify for loans. Many times a family doesn’t have enough money to pay for college, but has too much money to get help.

The tax-free status on 529 plans will end in 2010, but many advisors expect that Congress will extend it.

Carb Back Loading Cbl 1.0 Review – How Does It Work? Diet Plan Book by John Kiefer Program

Carb Back Loading Program Review – Does it Really Work?

Carb Back Loading by John Kiefer is a popular & successful fitness and fat loss manual, and right now thousands of people are learning how easy it is to look the way they want every day of their lives – no self-deprivation required. Carb Back Loading helps you eat all the bad food you want and still gain muscle while losing fat simultaneously. That’s essentially the promise Kiefer makes, and he delivers again.

Eat the Food You Love and Still Lose Fat.

A Carb Back Loading diet is basically timing when you eat your carbs, and only eating carbs in the afternoons/evenings after you’ve already worked out… that way the carbs are being consumed by your muscles rather than your fat cells, the science says. Essentially carb back loading is eating carbs toward the end of your day, so basically for dinner and dessert.

The author developed the manual after nearly two decades of reading through science and medical journals, absorbing everything from the thermodynamics of the body to biomolecular processes that make metabolism possible.

Can I Really Eat Donuts and Ice Cream and Still Lose Fat?

Yes, it worked for me and I had also tried everything before, I’ve also eaten donuts and woke up leaner the next day. The author of the manual also says he eats cherry turnovers, hamburgers and fries, ice cream and cheesecake and guess what? He still wakes up every morning to a toned, muscular body and a six-pack of abs.

This is because research has shown that for easy, sustainable fat loss, insulin levels should be kept as low as possible during the fast half of the day and spiked late at night. No more oatmeal and egg whites for breakfast – but bring on the late night pizza and cookies.

So what are the main steps to follow or start with?

* Have coffee/cream or tea in the morning. If having breakfast, protein and fat.
* Low carb throughout the day. Load up on good meats and veggies and good fats for lunch and snacks.
* Push any other carbs until post-workout (after 6pm which works well for busy moms who just want normal family dinners.) Again, even if you’re training in the morning, or you aren’t training at all that day, you would still see results just by pushing carbs back until evening. I know, because I’ve done it all.

* Enjoy a nice dessert in the evening like a donut or ice cream and still lose fat!
* A Carb back loading diet is basically timing when you eat your carbs, and only eating carbs in the afternoons/evenings after you’ve already worked out… that way the carbs are being consumed by your muscles rather than your fat cells, the science says.
* Essentially you will be eating carbs toward the end of your day, so basically for dinner and dessert.