Recently I was having a conversation with Edna Williamson the director of the Wayne County Public Library where I live. She made the comment that our children need to be taught about money and investments because they just don’t get that kind of education. She was encouraging me to maybe teach a class at the library specifically for the youth.

While this is of course a good idea, the responsibility of teaching our children falls on us as parents. However, therein lies the problem. How many adults know anything about investments? One of the most common comments I hear is… “I just don’t understand that stuff.” Why should we? It’s not a required class in school the same way art, literature, mathematics or other subjects are required. Wayne County High School here in Jesup does offer a class as an elective but that in itself is not effective to create a somewhat educated society of financially responsible people. Such education is very necessary. This can be seen from the fact that there is a rise in bankruptcies, credit card debt, home foreclosures and rent-to-own furniture stores. As a society we are not responsible financially and the small percentage of us who are, for the most part, had to learn this on our own. Therefore, the question is why are we this way and how do we change?

Investing money is not about getting rich, although that can be a side benefit. Investing is about being smart and responsible. With that responsibility comes the requirement to educate ourselves, as well as, our children. Our parents may have taught us to save our money and put it in the bank. That is good but it is not enough and carries its own risks. Teaching our children to save is only the beginning. We should teach them, not necessarily the minute details of investing, but the value of investing and the value of seeking professional help. Some people are content to invest on their own but the majority do not have the time or resources for this. Recommend to your children to use an advisor. Introduce them to your advisor and encourage them to ask questions. If your advisor is not willing to do this then you should consider whether he or she truly has your family’s interests at heart. In any event, education is important and it starts at home with the parents. Educate your children. They will thank you for it later.

Carroll R Emerson is a financial and investment professional that owns an investment firm in Georgia. Please visit the link to learn more about the author and visit his website.

[http://www.emerson-investments.com]

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Are you a parent of a child with a disability who would like to write

effective letters, to special education personnel? Would a short list

of things to include be helpful? Letters are important documentation,

of what is happening in your child’s education. This article will

address 7 items that should be included in special education letters,

to make them effective, and easily understandable.

Letters should be one page if possible, and contain these items:

Item 1: You should include your name in the letter, as well as the

name of your child with a disability. If the specil education person

is an administrator, they may not know you or your child. That’s why

it is important to include both in the letter.

Item 2: You should include your child’s birth date. Some school

districts often use a child’s birth date, for identification purposes.

Item 3: You should include the date when you are writing the letter;

month day and year. Letters sent to disability educators become part

of your child’s school record. By dating the letters, anyone looking

at the record can tell when it was written. The date the letter was

sent may be important in the future, if a dispute occurs between you

and your school district.

Item 4: You should very clearly state the purpose of the letter. For

Example: “I am writing you today to tell you of my concerns for my

child Mary, whom I believe may have a learning disability, in the

area of reading. I am asking that she be tested using a standardized

reading test such as the Woodcock Reading Mastery Test. When the test

results are finished, we can discuss them at an IEP meeting.” or “I am

concerned that my son John may have autism, I would like a childhood

autism rating scale (CARS) to be filled out for him. When this is

completed, I would like to have an individual educational plan (IEP) meeting to discuss the results.”

Item 5: You should include the person’s name that you are sending the

letter to, their title, and school address.

Item 6: The letter should contain a hand signature at the bottom of

the page, by the parent writing the letter. If the letter is used in

the future, it holds more weight if it is signed.

Item 7: The letter should include any written documentation or reports

that help your case. For Example: “I am including a letter from the

Occupational Therapist, about the behavioral difficulties my daughter

Sarah, who has autism, has been having during therapy time.” After the

signature put the word attachments in the left hand margin, and list

the name of all attachments. Be sure to include the attachments with

the letter. If you are like me, you may forget and leave the

attachments out, so double check that the attachements are included.

By including these important items in your letters to school

personnel, you are ensuring that your letter is easy to read and to

understand. Documentation is critical in case of a dispute between you

and disability educators, in the future. Happy Writing!

JoAnn Collins is the parent of two adults with disabilities, has been an educational advocate for over 15 years, an author, as well as a speaker. JoAnn’s recently released book: Disability Deception; Lies Disability Educators Tell and How Parents Can Beat Them at Their Own Game helps parents develop skills to be an assertive and persistent advocate for their child. For more free articles, press release, upcoming speaking engagements, go to http://www.disabilitydeception.com Can be reached at Phone Number 815-932-9263

You are welcome to publish this article in its entirety, electronically or in print, free of charge, as long as you include my full signature file, and my Web site address in hyperlink for other sites. Please send a courtesy E-mail to JoAnn@disabilitydeception.com

JoAnn Collins Copyright 2008

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