Friday, April 27, 2012

Financial Institutions

There are many financial institutions around the world today. These help to take care of your everyday finance needs. These can be anything from money to buy your graduation dresses or more serious affairs like poor credit auto financing which will help you to get an automobile even if you have bad credit. All these financial institutions make life a little enough for those that are not so fortunate with money. If there is a necessity or a medical emergency that requires immediate financial back up then you can rely on such institutions to lend you the money. The money that you take out of the bank is called a principal. This is the amount that is given to you and part of the amount that you need to pay back.

This is the primary amount. The additional payments that you would have to make along with the principal are the interests. The interest is what the bank charges you for their services to you. This is usually a percentage of the principal. This is for the services that the banks give you and is how the bank makes money. Most of the times, these interests depend upon the amount of money that you are taking from the bank.

Literacy Health

Also the interest might vary because of your credit history. There are many institutions that would like to make sure that you have a capability to pay the loan back. Therefore they would ask you to show some form of collateral. This can come in form of cash or property or investments. If you have some form of collateral with you then it is very easy to take loans. There are many that reduce the rate of interest depending on your collateral. However, you should make sure that you are responsible in what you put as collateral or you might end up incurring a big loss.

Financial Institutions
Financial Institutions

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Sunday, April 22, 2012

Adult Dyslexia Signs and Symptoms - How to Know If You Are Suffering From Dyslexia

Dyslexia is becoming an eye opener now because people are more aware of the condition they have and willing to subject themselves to adult dyslexia test and treatment. Years ago people will not believe about reading and learning disability and they just tag you as slow learner, lazy or simply not as intelligent as other kids without giving the proper treatment. But now with the awareness of this disorder, you and the people around you are more adept to deal with this disorder. Although there are most cases that dyslexia are diagnosed when they are already an adult. But now that dyslexia is openly identified as a serious condition, you should immediately seek professional help once you suspect that you are suffering from dyslexia signs and symptoms.

There are many ways to know if you are suffering from dyslexia. As an adult, it is your responsibility to identify if you have dyslexia signs and symptoms through proper tests and evaluations. You should seek professional help to effectively get the necessary treatment. Here are some dyslexia signs and symptoms that would indicate you have dyslexia.

Literacy Health

Direction Confusion. One dyslexia signs and symptoms is difficulty recognizing directions. It comes in many forms like difficulty in recognizing left and right, up and down, following maps and compass and following instructions. Directional confusion is also the reason why dyslexics interchange letters like b and d, p and q, n and u etc. Dyslexics are confused not only in letters but in numbers too, you may read or write 16 to 61.

Adult Dyslexia Signs and Symptoms - How to Know If You Are Suffering From Dyslexia

Spelling Difficulties. Another dyslexia signs and symptoms is the difficulty to spell simple and troublesome words. You may find it difficult to spell even simple short words. Other words are spelled the way they are spoken like please to plese, knock to nock and search to serch.

Math and sequences difficulties. Difficulties understanding math lessons and conceptualizing sequences is another dyslexia signs and symptoms you must observe. It is a big challenge for dyslexics to understand numbers in correct order or to reverse that order. You may find it hard to count to 100 forwards and backwards. Due to short term memory, dyslexics may also find it hard to understand mathematical operations like multiplications and divisions.

Comprehension difficulties. Dyslexia is not only limited to written words but in some cases even in speech recognition. Another dyslexia signs and symptoms you must be aware of is comprehension difficulties. You may find it hard to retain what is said to you and may not be able to repeat the words said to you. It is also hard for you to follow instructions or follow 3 or more procedures that you need to do.

Having these dyslexia signs and symptoms can be a serious condition but it is not that complicated if you immediately seek professional help and address the problem.

Adult Dyslexia Signs and Symptoms - How to Know If You Are Suffering From Dyslexia

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Wednesday, April 11, 2012

Speech Therapy Exercises for My Stuttering

As I mentioned in the previous articles, I used several speech therapy exercises to get over my stuttering and speak fluently. Some of them helped more, some less and now I would like to give you a small recap. Don't rush to speak. Everything is harder when you are in a rush speaking included. I always tried and sometimes still try to say something as fast as I can to stop talking that people do not realise I stutter. But this is not the way and I actually speak less fluent. Slow down how you move your mouth - lips or tongue.

Breathing is another very important speech therapy exercise. Take a deep breath in when you start a sentence or make a pause. Running out of breath leaves you stucked in the half of a sentence and obviously this is not the way. I bet you know what I am talking about. Exercise at home while reading or talking to yourself in the mirror. Start your sentence softly. It gets you into the talking mood. I used to emphasize the first word and got stucked so many times that the rest of the sentence was a disaster. It is not like that everything depends on the first word, but it makes it so much easier to talk when you have a good beginning. If it is a long word, try to highlight one specific syllable or 'add a bounce' to the word so that it is easier for you to say it. Maybe it will sound like singing, but who cares.

Literacy Health

People have different types of voices and once you will train how to do it, you will be much more confident. I mentioned above that is important to train at home. My suggestions are: - Say your 'long vowel' sounds a few times slowly and softly for about 2 or 3 minutes. - Read. Practise your breathing and learn to do it naturally. Use your gentle sounds at the beginning. You can also speak out loud in front of a mirror. - Listen to yourself as you do the above exercises. You will realise what is going wrong and then correct mistakes. At the end I would like to highlight that no one in the world speaks 100%. We want to be perfect, but that is not the aim. That is to feel confident and comfortable when speaking.

Speech Therapy Exercises for My Stuttering
Speech Therapy Exercises for My Stuttering

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Friday, April 6, 2012

Counseling the Incarcerated - A Different Release For Prisoners

There are over 1, 700,000 incarcerated men and women in jails and prisons across America. This presents a great opportunity for ministries and individuals who take the gospel to prisoners. It also presents a unique set of challenges and, in some cases, difficulties for Christian counselors who work with the prisoners and their families. To illustrate the unique challenges let me begin with an illustration I often used when I taught criminal justice at Wheaton College and Trinity International University, both in Illinois. I began by putting a series of words on the chalkboard:

1. Homeless
2. Unemployed
3. Alcoholic
4. School drop-out]
5. Person with AIDS
6. Victim of Physical Abuse
7. Cocaine Addict
8. Victim of Sexual Abuse
9. Prisoner

Literacy Health

I asked my students to carefully look at the list and see if there was a common theme or relationship. Students often responded with what was easily apparent such as, they are all hurting people, or they all need God, or They all need a support system. I then would help them think in nontraditional ways about prisoners by informing them that all the words on the chalkboard (or most of them) could in fact describe the same person! When we begin any intervention or ministry with a prisoner, we must first take into consideration that the prisoner's situation or plight may be multifaceted. There is no one single reason that a person turns to crime. Conversely, there is no magic bullet or simple solution for restoring a prisoner to the community as a functioning and stable citizen.

Counseling the Incarcerated - A Different Release For Prisoners

Needs: Working with prisoners involves networking. Care giving includes involving the church, especially upon release, and meeting basic needs such as literacy, discipleship for the growing Christian, and mentoring. At release, that support system becomes critical. Released prisoners may need assisted housing or temporary shelter, job skills, help in finding employment and a church home, and they almost always need professional counseling.

Fear and Anxiety: While prisons differ in terms of their size and structure, the majority will expose the prisoner to intimidation and predatory violence. A highly structured environment that takes away responsibility and meaningful decision making and replaces it with blind compliance to the structure and rules of an institution takes its toll on the individual and does not prepare the person for reentry into society. In many maximum-security prisons, gangs flourish, violence is common, and the possibility of sexual intimidation or rape is high, causing extreme fear and anxiety. The person who wrote a bad check or stole an automobile and the person who committed an armed robbery, rape, or murder will face the same predatory environment after conviction. The one exception is the pedophile or child molester, who usually is looked down upon by all prisoners and is often victimized, if not brutally beaten.

Depression: It's not difficult to understand why a prisoner would be depressed to the point of suicidal thoughts or attempts. The process of being sent to prison is humiliating and stressful. In many ways, the public, the press, and the court shame the individual. The loss of a job, reputation, and family would be enough to put any individual into a state of depression. Over 80 percent of inmate's marriages will end in divorce, and the longer an individual is in prison (more than three years), the less support system he or she will have when released. Not all depression that a prisoner experiences is debilitating. That which comes from guilt rooted in accountability and genuine repentance of his or her crimes can be used by chaplains, counselors, or church volunteers to generate or regenerate faith in Christ. Even so, the prisoner who comes to believe that he or she is forgiven and becomes a born-again believer is not immune to depression, of course. Find a therapist to get solution of your problems.

Counseling the Incarcerated - A Different Release For Prisoners

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Sunday, April 1, 2012

The Causes of Illiteracy - Is it As Simple As a "Proper Education"?

Have you ever thought what it would be like if you were unable to read or understand a word of this blog? Doubtless you would be feeling the same shame and isolation as the people I wrote about in my post: Reading Between the Lines last month. Tears were aplenty as they shared their stories in the TV series Can't Read; Can't Write - and they weren't solely those of the participants! There we learned that in Britain, alone, over five million adults have a reading age of 12 or less, or are unable to read at all. UNESCO reports one in five adults unable to read, two thirds of them women, and 72 million children out of school, with many more attending only irregularly. Ironic then, to be told by the Dag Hammarskjold Library (the UN website) that "close to four billion literate people in the world" is cause for celebration.

ILLITERACY IN AMERICA
In the USA, The Illiterate Digest claims that 23 million Americans are illiterate (though MeriNews has that number as a mere seven million). A dedicated website lists the percentages of illiterates in each town, whilst attributing the following quote to George W Bush: "One of the great things about books is sometimes there are some fantastic pictures."

Literacy Health

EDUCATION A HUMAN RIGHT
Monday 8th September was designated International Literacy Day by the United Nations General Assembly. In their Universal Declaration of Human Rights, the right of every individual to education is recognized as "inalienable". With more than a billion adults worldwide unable to read or even write their name, according to Book Aid International, all attempts to achieve this Right must be seen as both a worthy cause, and a daunting task.

The Causes of Illiteracy - Is it As Simple As a "Proper Education"?

The UK based National Literacy Trust has a number of events in its calendar which anyone can sign up for. USATODAY points to the classic Why Johnny Can't Read: And What You Can Do About It, written half-century ago by Rudolf Flesch, and cites the answer to the illiteracy crisis as being "within". It goes on to say: "The Knowledge Deficit by E. D. Hirsch provides an equally persuasive analysis of the educational weakness of the USA." And: "Anybody who doubts Hirsch's devastating critique should look at the recently released report of the National Council on Teacher Quality, "What Education Schools Aren't Teaching About Reading - and What Elementary Teachers Aren't Learning.'"

PHONICS READING SCHEME
This was the feeling of award-winning teacher Phil Beadle in the UK Channel 4 series mentioned above. Throwing out the national curriculum for adult literacy as unworkable because it required people to be able to read (work that one out) and was designed for immigrants, he found innovative and diverse ways of teaching his class. Different people need different methods of learning, he said. Which makes you wonder why the UK government is refusing to fund synthetic phonics as a means of improving the situation. If it works, say I, then bring it on.

Synthetic phonics has been proved, in some schools, to have a near miraculous effect on the majority of children who have previously failed to learn to read. The system is simple. Children learn the basic sounds of language as it is spoken. These sounds are made up of combinations of letters; thus igh becomes the i sound as in slight or fight, rather than the sounds produced by each individual letter i g h.

Given that reading opens up the world in a way that nothing else can, and that without it the whole basis of learning is denied children who might otherwise be bright, it is a scandal that we should question any proven method. What is the point of testing children throughout their schooling to see if they have attained the required level in all subjects, if we don't ensure that they have the most basic means of learning them?

EASY COME, EASY GO
But is it that simple? Education, it has been said, is wasted on the young. And herein lies the rub. In the days when the only means of clambering out of the gutter of poverty was through learning (and that still applies to many parts of the world today), the very scarcity and elitist nature of education was what made it so attractive. Today, in the Western world, at least, its commonplace nature, combined with easy money in the form of benefits, and the great wealth achievable by celebrity status, makes it a less valued option. Perhaps, one might almost say, despised. Until, that is, you've acquired the wisdom of hindsight and maturity and are faced with the shame of not being able to read your gas bill. Or the label on your medication! Or worse - you're technical savvy enough to operate your mobile phone, but 2 stoopid 2 spl th werds 2 txt ur frend!

The Causes of Illiteracy - Is it As Simple As a "Proper Education"?

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