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Autism is a disorder that affects the entire person and most often lasts for the lifetime of the person that it affects. Specifically this disorder affects one’s ability to create emotions, memories, sensory abilities, non-verbal communication skills and much more. It affects one in one hundred and fifty individuals of all races and social status; and tends to affect more boys than it does girls.A common description that I have heard among professionals is that many people who suffer from autism can think thoughts but cannot vocalize those same thoughts.Key Symptoms Include the Following:Repetitive Behavior – For example, a young child may seem unusually fixated on a particular toy, constantly arranging objects in a specific way or obsessive about certain things.Lack of Social Interaction – Another symptom is in the area of relationships. Research has found that people who suffer with autism are usually ‘socially unaware’. This means that they are oblivious to the feelings of people around them.Verbal and Nonverbal Communication – By nature, autism is a neurobiological disorder. Hence it affects the manner in which the brain converts thoughts into words. Therefore, a child might be thinking of an answer to a question, but vocalizing it becomes a very difficult task! Non-verbal communication is difficult for many of us who are considered “normal”, so imagine what it must be for one who has difficulty connecting with their emotions – let alone the emotions of others!Limited interests in activities or play – For example, a child might focus on a part of a toy instead the whole toy or play a specific tune on a toy over and over again, rather than play the twenty-nine other tunes on the toy. Also the need for a rigid routine would mean that any new activities are met with resistance.Tell Tale Signs
During early childhood it is not uncommon for parents to have troubling instincts about certain behaviors that their child may display – for example they may not want to be held, don’t look people in the eye, have delayed speech, lack of interest in games or what I call ‘super repetitive play” – where the child only seems interested in one toy – ever, etc. As both a parent and a teacher (as well as one who has an autistic half-sister), please, please, please follow your instincts.Nobody knows your child the way you do, so if your pediatrician says “wait and see” yet you feel strongly that your child needs to be evaluated – do what YOU feel needs to be done. Parents that I have heard from have mentioned some of the following as red flags that got them concerned – their child was ‘not pointing’,'not giving them eye contact’, didn’t seem to be ‘able to focus’, ‘unaware of their surroundings’ or as one lady put it “I just don’t feel like she is connecting with me”.Early Intervention
Early intervention, especially in the pre-school years has been proven (by researchers) to, in many cases improve social, cognitive and communication skills – especially if it is in an educational setting that is tailored to meet the needs of a child with special needs. Remember, for some children, the earlier the intervention, the better!Types Of Autism
A spectrum has been created for autism which makes it possible for the medical profession to accurately diagnose the disorder. The disorders range from mild (Asperger Syndrome) to severe (Autistic Disorder) and can be diagnosed by the age of three and sometimes as early as eighteen months. Autism Spectrum Disorders are categorized based on the degree of impairment that the sufferer encounters in the following areas;o Communication Skillso Social Interactiono Restricted Patterns of BehaviorAsperger’s Syndrome
In 1940, Hans Asperger’s described a set of behavioral symptoms that occurred mostly in his male patients. They all seemed to have normal intelligence and language development, yet they had poor co-ordination and communication skills. In addition their social skills were very noticeably lacking.
Typical symptoms of Asperger’s Syndrome include the child being diagnosed much later in life than with typical autism – usually between the ages of five through nine. In addition they are known to have limited facial expressions, obsessive behavior, poor social interactions, difficulty reading the body language of others, odd speech patterns and obsessive routines.In addition to the above, symptoms of Asperger’s Syndrome include an unusual sensitivity to sensory stimulii such as lights (that others will not notice as being too bright) or sounds (that others might barely be able to hear.Childhood Disintegrative Disorder
Childhood Disintegrative Disorder or CDD was discovered by a special educator by the name of Theodore Heller. Children with CDD are said to develop a disorder that resembles autism, but only after two to four years of normal development. In other words, the children unexplainably seem to regress. They lose their language skills,their toileting and self care abilities, their interest in the environment, etc. While the disorder begins to look exactly like autism, the history is very different.Symptoms include increased risk of seizures as well as the symptoms of autism.Rett Syndrome
Rett Syndrome was first diagnosed in 1954 by Dr Andreas Rett, an Austrian Pediatrician. It is a developmental disorder that has a greater tendency to occur in girls more than it does boys. It is caused by mutations on the X chromosome on a gene called MECP2. Symptoms include normal development until six to eighteen months after which there is after which there is a stagnation or slowing down of skills. Following the stagnation, there is a period of regression when the child looses their communication skills and eventually all purposeful use of their hands. Symptoms that follow include the stereotypical hand washing movement, seizures, slowing of normal head growth and disorganized breathing patterns.The disorder can be confirmed with a simple blood test.Pervasive Developmental Disorder – Not Otherwise Specified
Otherwise known as PDD – NOS, is a condition on the spectrum in which one person doesn’t act like another with the same disorder. In other words, John may display some symptoms, while Mary may display something totally different. Also they may often be subject to the same key symptoms, but may be in varying degrees.Due to the very nature of PDD – NOS (meaning that there are no strict symptoms because they vary from one child to another), PDD-NOS is very difficult to diagnose and is therefore often misdiagnosed. Treatment also has to be very specific to the needs of the person in question and may often include alternative therapies such as martial arts and music.Autistic Disorder or Classic Autism
Is sometimes referred to as ‘mind-blindedness’ – referring to the need to be in their own world, lack of social interaction and, limited ability to communicate, a display of repetitive behaviors and distress over changes – no matter how small. Children (or adults, for that matter) who suffer from classic autism are not considered to be “high functioning”.How Does Autism Affect Your Child’s Education?
In many cases, the ‘autistic child’ will be required to be in Special Education classes – where teachers are trained to understand how to deal with the symptoms, autistic tendencies and other disorders. While “inclusion” is the new buzz word in special education, I find that children with severe autism do not usually benefit from it. However I have seen children with autism benefit and even excel in certain subjects; for example, I was observing a business computing class once where the code html was being taught. During a test, the teacher deliberately placed errors in part of the code for the students to correct and re-write. Well there was a young man in the class who corrected the teacher before the test began – and he had Asperger’s Syndrome. His ‘obsessive behavior’ worked out to his advantage – it converted into ‘attention to detail’ resulting in him becoming an outstanding website designer.Weaknesses can be turned to strengths sometimes – and I hope that they will for your child.(c) Copyright Lydia Riddle 2009

With the holidays looming on the horizon, many travelers are looking for a change of pace and scenery. Now is as good a time as any to plan a vacation to Europe. In fact, those wanting to get away from it all will find a true gem in Madrid, Spain’s capital and largest city. With landmarks ranging from the Royal Palace of Madrid to the city’s National Library, and such revered museums as the National Archaeological Museum of Spain and Prado Museum, this place truly brims with history and culture. The city has gained prominence as a major hub for international commerce, making it an ideal place for the business-minded. Nightclubs, theaters, parks and galleries abound, offering something to fit pleasure seekers’ unique tastes as well.

A great way to reach the heart of the city is via Paseo de la Castellana, one of Madrid’s longest avenues. Various financial buildings and government offices lie along this tree-lined stretch, as does Santiago Bernabeu Stadium, which is slated to host the 2010 Union of Football Associations (UEFA) Champion Leagues Final. After a busy day of work or sightseeing, travelers can call it a night at the nearby Hotel Hesperia Emperatriz, which features rooms decorated in a classic style. Also gracing La Castellana is the posh Hesperia Madrid. Designed by Pascua Ortega, who’s also credited with designing the renowned Royal Theater, this 5-star retreat is a member of The Leading Hotels of the World.

Madrid’s city center is heralded for its striking architecture, and travelers know a visit to Spain isn’t complete without taking pictures of the area’s awe-inspiring buildings. Even H10 Villa de la Reina, a 4-star property on Gran Via, sports 20th century architectural details. Hotel El Coloso is also easily accessible, offering a restaurant, social lounges and business area.

Head northeast and you’ll reach the district of Salamanca. One of Madrid’s wealthiest neighborhoods, it is yet another great place to immerse yourself in history, not to mention shop at fashionable stores and boutiques. Once travelers are ready to put the shopping bags down and unwind, they can stay at the modern Hotel Zenit Abeba. Further, Confortel Suites Madrid is also convenient to Salamanca and lies in close proximity to the M-30 motorway and Juan Carlos I Exhibition Center.

Whether you’re a history buff, avid shopper or simply in need of a refreshing alternative to the daily grind, there’s no question that Madrid rivals and is included among the world’s must-see destinations.

There are two big opportunities for people with the Global Travel Network. The first is the ability to get very competitive rates for fun travel destinations all over the world, whether you like cruising or hitting resorts or going to the destination less traveled. The other opportunity is for you to become a travel agent with access to some of the best deals and most sought-after vacation destinations in the world.

No matter which opportunity you prefer (even if it’s both!), the Global Travel Network can definitely be a life-changing find.

There are currently over 35,000 travel agents working in this Global Travel company and each of them offers a unique and low-cost way to suit your travel needs. Becoming an agent allows you to not only tailor your own vacation, but also to go far helping others find the best vacations for them.

In either case, this Travel Network company does most of the job for you, booking and double-checking your travel plans for you, whether you’re vacationing yourself or assisting a client in finding their dream vacation at an affordable price.

As an agent with this company, all you need to do is match the client to the vacation and the network does the rest for you. There are agents and representatives in all 50 states and in 85 different countries working hard to make sure that Global Travel International has enough bookings to retain the lowest possible rates, making them the world’s leader in travel.

As a client of Global Travel company, you are assured to get the best possible rate for your vacation, no matter how long or short your plans. The Global Travel International network has thousands of people filling the best resorts and destinations with quality clientele like yourself, which ensures that the huge savings they receive are passed on to you, the customer.

There are agents who can assist you online, can assist you right in the comfort of your home, or who can help you over the phone to get your best, budget travel plans in place. Agents are paid by Global Travel to ensure that you receive the best possible customer care at all times. No matter where you’re located, there’s a Global agent ready to assist.

If you’re interested in becoming one of the Global Travel agents and to start earning a great income by assisting others with their travel plans and vacation getaways, then there’s a great opportunity for you. By working online, on the phone, or in person, you can not only ensure that your clients receive the best possible prices, but also find yourself ready to receive deep discounts on your own travel.

Agents with Global Travel Network are paid for their performance, so if you do great work, you will receive great pay. You are paid what you’re worth because you get paid for what you accomplish. There is no better way to make a great income!

So you are thinking of getting some extra money to make some urgent home repairs, the porch door needs replacing, along with a new hot water system. Unfortunately you do not have the money in the bank, but neither do you have a secure porch door or any constant hot water.

Have you considered personal loans? A lot of people take out personal loans for this type of repair. Car repairs and even holidays are used by people with their newly acquired finances. Most people have heard that a poor credit score is not a good thing (However even those that have a poor financial history can still get loans). But how do you make a good rating?

One of thing major pieces of advice from experts, before you apply for finance it is best to get a credit report completed from a reputable source. This will give you an idea of the chance of getting your application approved. In the United States of America there are three levels of credit rating, basically the higher it is the better it is.

An excellent rating is above 760, a good rating would be between 700 and 759 and a poor rating would be between 640 to 699. if you are at the top end, 760 and above then there is no point in making your rating any better. However with other ratings it is worth trying to improve as it will help your chances of succeeding in the application.

There does seem to be a bit of a chicken and egg situation sometimes, you need finance but have a poor score,but to improve you need a lender to give you a chance. Well, luckily there are things that you and your family if you have one, can do to improve your rating.

Having a poor rating does not mean you have to be stuck with it, starting to pay the bills on time instead of late or not at all will start to get you on the right path. Some lenders will still give applicants loans even with a low score, but the total given will be lower than usually and the percentage rate will be considerably higher. So you will pay more over the period of the finance.

Families can help too. If a member of your family has a good rating then some credit card companies can add you to that family members credit card as an authorized user, this will help with any poor credit score. Also having a family member with a good rating co-sign the loan could help you get what you need.

Finding the correct lender for your score is a good way to make sure that you are getting what you deserve, if you have a high score you deserve some of the best deals on the market. Instead of going to your bank or card company you can go online and search for a matching company. Companies like this are a good place go to make sure you achieve the best deal.

What are a matching company and what do they do? You enter your details on their online program and your information will be fed to several of their approved lenders, in turn the lenders will then return to the matching company with a list of loans that they are able to offer.

Once the offers come back it is then up to the applicant to choose one and complete all the necessary paperwork. A check will then be received within a matter of days and your new boiler and door fitted soon after.

Everyone is busy. Busy in shopping online and in the malls. Popular online portals are breaking and making new sale records! All thanks to the convenience and the availability of easy payment options and funds!

Here are few of the factors that are making online businesses a success

Credit Cards: A credit card is plastic money. It is one of the easiest form in which a person gets a personal loan.

All online portals as well as retailers in malls accept credit cards issued by various banks.
Online payment becomes very simple and safe, thanks to the one time passwords generated for such transactions.
A PIN is sufficient for shopping using a credit card at any retail store.

Personal loans for shopping: When we apply for a personal loan, we don’t have to provide the financier with the details of what we want the loan for.

Thus these days’ personal loans are being used to finance shopping.
They can also be used as wedding loans, vacation loans and educational loans.

Payment Processing: As far as payment processing is concerned, the following factors matter to both the consumer and the online retailer.

Uncomplicated manoeuvring on website: It is important for the payment process to be step-by-step and easy to understand. Most websites work on this section very carefully and thus the online shopping experience is satisfactory.

Processing Costs: Processing costs matter to the retailers. More the processing fees they have to pay to providers of payment gateways like Visa, the lesser are their margins. So to have an effective business the processing costs need to be low.
Number of payment options: Multiple payment options should be available for the customer to make payment. This makes the shopping a convenient proposition.
Time taken to process transactions: Processing time not only tests your patience but sometimes also the strength of your internet connection!

Cash on Delivery: This is also known as “collection on delivery.” This is a very popular mode of making payments for shopping in the developing world.

It enhances impulse purchases.
A credit card is not an essential possession for the buyer.
The buyer can check the quality of the product and then pay

So this festive season, do not hesitate to shop and to gift! The availability of funds for shopping is not difficult anymore. Also the convenience of online shopping has brought various retailers to our doorstep. So let us shop all the way!

An easy way of shopping is using a credit card. It forms an integral part of most people’s financial planning. When used in the right manner, it helps reduce financial liability and optimizes financial resources.

While the rise of online lending in itself makes it more convenient for people to apply for finance, is this development a good thing for those who are already struggling? There are companies out there who charge expensive annual percentage rates (APRs), leaving many people in more trouble than when they first started.

But it doesn’t have to be this way. Over the last few years, online lending has earned itself a bad reputation. The internet leaves many people vulnerable to fraud, so you should always exercise caution when inputting your financial details. The best way to make sure your information remains safe is to find a secure, reliable lending platform.

There is an unfair irony attached to lending today. Those with bad credit are often led to believe they have no financial options if they have made mistakes in the past, often making their situations seem more desperate than they actually are. This can result in people making bad decisions and can lead to borrowing through unstable sources.

Meanwhile, any lenders that do accept you with bad credit will charge extortionate interest rates because of your history, making it more difficult for you to meet your monthly repayment obligations – thus worsening your situation. This is a trap that many people fall into, and it gives online installment lenders a bad name.

However, this doesn’t need to be the case. If you can find yourself a reliable lending platform, you will be connected to a secure network of trustworthy lenders who can offer sensible solutions to your borrowing needs. Many of these lenders will assess your application, even if your credit file isn’t perfect or your income is lower than average.

Instead of (or in some cases, as well as) running credit checks, these lenders will take other factors into consideration, including your income and employment circumstances, and how long you have lived at your current address. They may even ask for references they can contact who will vouch for your character personally.

Even those who receive benefits as a form of income will be able to apply, giving everyone a fair and carefully considered chance of borrowing money. In these cases, applicants won’t be accepted for higher loans than they can afford to pay back, and interest rates will be low, meaning there is a better chance of managing repayments.

If you have poor credit and need to borrow money, consider a personal installment loan, but make sure the APR is advertised between 5.99% and 35.99%. There should also be a number of options in terms of flexible repayment, offering you the chance to pay the money back anywhere between six months and six years, depending on what you can afford to pay per month.

Small, carefully considered personal loans could actually help you build a financial profile making you eligible for better future borrowing. As long as the lender is responsible, and offers reasonable interest rates, online lending platforms can actually give people with more opportunities than many other lenders in terms of improving their situation.

With this in mind, personal loans can be beneficial to those hoping to improve their credit score, but only if some caution is exercised by both parties, and you only apply to borrow an amount you can afford to pay back.

Don’t you wish personal finance were a mandatory course in college? Unfortunately, too many of us learn by mistake. When you need a personal loan and are rejected, you might be baffled as to what went wrong- and how to fix it. Here are some clues.

NO CREDIT

No credit is a situation where you have never used credit and therefore have no credit history for the bank to review. They have no way of making an educated decision on whether or not you will pay back a personal loan based on your credit history. No credit is worse than bad credit. Qualifying for and making regular payments on these types of introductory forms of credit can overcome a “no credit” score:

· Student Loans

· Secured credit card (includes a down payment amount)

· Being added to a parent’s or spouses good credit: card, car loan, etc.

LOW CREDIT

Low credit takes on several forms. If you’re using more than 30% of your allowable debt, it can negatively impact your score. Too many inquiries from shopping around for loans will also hit you hard. Lapses in payment, defaults, or bankruptcies are giant red flags and can take a long time to rebuild from.

Other things that lenders may look at are whether or not you have sizeable assets should you default on the loan. They also check to see if your debts are diversified or if you are only carrying one type of debt.

INCOME

Proof of income is generally required when applying for a personal loan. If you are unemployed or underemployed, it can work against you in the loan approval process. Lenders may also require a work history to see how long you have been with your current employer, and to determine if you typically have job stability. Frequent job loss or change will tell a creditor that your payments may not be reliable.

PURPOSE OF THE LOAN

Believe it or not, your application can be rejected due to your proposed purpose for the loan. Financial institutions have the right to set up the parameters surrounding their disbursements and can accept or reject your application based on what you want to use the money for.

BLACKLISTING

If you’ve defaulted on debt before, your name may be put on a list of whom not to loan to,’ also known as a “Blacklist.” This will follow you around for a long time and is difficult to erase. If you do resolve the debt issues, get documents to prove the resolution.

When it comes to a personal loan, you have to first learn to use it responsibly. Because if you miss a repayment, your credit score will be impacted adversely. And remember, that a credit score is an indicator of how well you manage your personal finances. Also, it plays a defining role when you apply for any kind of loan – secured and unsecured. It is suggested to apply for a loan slightly larger than what is needed so that you will be assured to have enough money to pay all bills necessary and still have some money left over to ensure that your bank account stays current.

A credit score can be defined as a number which reflects the financial situation of a person. If the person is well-off when it comes to financial matters, then he or she is said to have a high credit score. On the other hand, if a person is the exact opposite of this, then they possess a low credit score. There are a lot of factors that are considered by financial institutions for the purpose of evaluating a person’s credit score – usually, the credit scores of people vary from 300 to about 850.

A personal loan is a type of loan that is given by digital lenders, banks and credit unions to aid you in your plans, be it starting a small business, or making a big purchase. Personal loans tend to have an interest rate(s) lower than the credit cards; however, they can also be put to use for combining several credit card debts together into one monthly lower-cost payment.

Now, your credit score is built by keeping in mind various parameters from your credit reports. These reports serve the purpose of trailing your history of utilization of the credit across the duration of seven years. These credit reports are comprised of information, including how much credit you have utilized to date, the type of credit in your possession, the age of one’s credit accounts, whether one has put in for bankruptcy or liens filed against them, actions of debt collections taken against them, one’s total open lines of credit as well as recent inquiries for hard credit.

Like any other type of credit, personal loans are very capable of affecting your credit score. This can be done through the process of applying and withdrawing a personal loan. If you are curious as to how personal loans can end up affecting your credit, then read on to find out more about the context. There are many ways in which your credit can be affected by personal loans and some of them are listed below:

The ratio of your debt-to-income and loan

Debt-to-income ratio is considered to be the measure of your amount of income that you spend on the debt repayments. In the case of lenders, the amount of income that you receive is said to be one of the major factors proving that you are able to repay your loan.

Some of the lenders have come up with their own debt-to-income ratio so that their proprietary credit scores may make use of it in the form of a credit consideration. Do not fall into the kind of mindset that possessing a high amount of a loan would hurt your credit. The most damage it can do is raise the ratio of your debt-to-income so that you won’t be able to apply for loans anymore without it getting rejected or denied.

Paying loans on time will make credit scores soar

The moment your loan is approved, you have to make sure that you settle the payments of each month on time and in full. Delay in repayment may significantly impact the state of your credit score. However, on the other hand, if you make the payments on time every month, then your credit score will soar high, leading to an overall good score. This will not only make your name to the preferred borrower’s list, but it will prove to be beneficial for you in the long run.

Since your payment history is comprised of almost 35% of your credit score, paying loans on time is essential in cases like these so that your credit score can maintain a positive status.

Variety is built into your credit type

There are about five factors that are responsible for determining your credit score. These are composed of the payment history, the length of the credit history, the utilization ratio of the credit, the credit mix and new inquiries of the credit in accordance with FICO®.

The credit mix only accounts for about 35% of your total credit score, whereas when it comes to a personal loan you can have a varying mix of the credit types. This mix of all types of credit is viewed at a high level of approval by the creditors and lenders.

Origination fee charged by loans

Most of the lenders end up charging you an origination fee. This fee cannot be avoided at any cost and is instantly taken off from the amount of the loan payment. The amount of origination fees depends upon the amount of the loan you are about to borrow. Late payments can lead to an overdraft of fees and late expenses. Therefore, make sure that you pay complete repayment for each month before the deadline.

Avoiding penalties when it comes to payments

Some of the credit lenders tend to charge an additional fee if you end up paying your part of the loan earlier than the agreed date. This is because they are looking for moderate amounts of interest on your loan. Now, seeing that you have paid off your part of the loan before time, they will miss out on that interest that they could have possibly made if you had not cleared the debt soon enough before the deadline.