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Is It Still Worth Saving for Children

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Learning disabilities vary from mild forms such as attention deficit disorder to more severe disabilities like autism and mental retardation. Incorporating art into the curriculum of students with learning disabilities can be a useful tool. Students with disabilities are not students who are incapable of learning but instead are students who may need material presented to them using alternative methods. Methods that incorporate art can be very successful for these children.Many students with disabilities are separated from regular students for either part of all of the school day. These students spend a great deal of time focusing on remedial skills and learning new skills to help them catch up with the rest of the class. For students with learning disabilities the knowledge that they are not able to function at the same level as other students can be very discouraging. Introducing these students to art classes can offer them the opportunity to do something creative where success is not measured by the same standards as in regular academics. The feeling of succeeding at something can provide these students with self-worth and confidence that can carry over into other areas of study. Allowing children to be involved with art related activities also encourages creativity, problem solving skills, motor skills and other skills that are useful in all areas of academics like math, science and language.Art lessons can be combined with traditional lessons and used as a teaching tool for these students. Children that have difficulty with verbal expression will often have more success by expressing themselves through art. Practicing expression through art may translate to better overall communication skills. Teaching math and science lessons that are hands on art based lessons also tend to hold a student's interest more than traditional lecture lessons. Sometimes just holding a student's attention is half the battle especially for students with attention deficit disorder.

Shared by: barber john

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student, education, school, theacer, Encouraging Essential And Basic Chilren, Facts About Inclusion in the Classroom

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Is It Still Worth Saving for Children's Education

The system for paying university tuition fees is changing just as the new

Junior ISA is coming in. But does the change in tuition fees mean that

one of the main reasons parents save for their children, to pay for

higher education, is no longer worth doing?Tuition Fees CurrentlyCurrent

tuition fees are set at Â£3,375 a year, and the majority of university

students pay this amount. A student loan can be taken out to pay for this

or it can be paid up front, either by the student or their family.How

Student Loans Currently WorkStudents are able to borrow money from the

Student Loan Company to pay for tuition fees and living costs, with the

amount they can borrow dependant on their circumstances. This starts to

be paid back once they have graduated and are earning over Â£15,000 a

year. Beyond Â£15,000 they pay 9% of their earnings towards repayments of

the student loan with this automatically coming out through the tax

system each time they get paid. Someone earning Â£20,000 a year, for

example, will pay back Â£450 each year (or Â£37.50 each month). It is

effectively like paying 9% extra in income tax and it is paid until the

loan is fully paid off. If a graduate's earnings fall below Â£15,000 they

don't have to pay anything until it rises above this again.Tuition Fees

from 2012There has been much controversy over the changes that will be

coming in for students starting university from 2012. Fees will no longer

be the same for everyone, with universities having more choice and being

able to vary it between different courses. Universities will be able to

charge a maximum of Â£9,000 a year, which will be Â£27,000 for a three-

year course.Student Loans from 2012As well as changes in the cost of

tuition fees, there will be changes in how they are paid for by students.

The loan system will still exist but with some slight changes. Every

student will need to take the money out in the form of a student loan and

will not be able to pay it upfront. This has been done to avoid the

argument of it being more affordable to those from wealthy backgrounds.

The student loan will still be paid back in the same way but there will

be a higher income threshold before it has to be paid back. Nothing will

need to be paid back until graduates earn over Â£21,000, Â£6,000 more

than is currently the case. Whatever a graduate earns, they will

therefore be paying back less that if earning the same amount under the

current system. The downside is that they will be paying it back over a

longer period because they will start paying it later and will have

borrowed more. If it is not paid back after thirty years the debt will be

written off. The argument is that those who are paying it back will be

those earning enough to be able to afford it.Until now the emphasis has

often been on parents to help their children pay their tuition fees. This

will no longer be possible when the changes come in because everyone will

need to take out a student loan.Saving for ChildrenMany parents have

chosen to save for their children's education. Do the changes mean that

this was a waste, and will it be pointless for families in future?The

answer to this is no. It will still be a great helping hand as the cost

of higher education is not just tuition fees but living costs. For

example accommodation, food and bills all need to be paid for. This means

savings for children could be just as much of a help as it is now. This

will make the new Junior ISA attractive to many parents.Andrew Marshall

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