Guide For Parents to Choose the Best Children Educational Toys

Finding a balance between a toy that entertains and one that educates becomes every parent's challenge. Toys need to be fun above all so that a child feels delighted when they're playing and stays interested in the toy. Choosing a toy that stimulates a child in a positive way should also be part of the decision. Safety features, functionality and durability ensure a good purchase and one that lasts. There are a few key factors to consider that help make the choice easier.

What to Consider when Choosing a Toy

Child's Age: It's better to buy a toy that a child can grow with instead of one that's babyish. Kids become bored in a hurry with a toy that fails to challenge their curiosity. Toys are usually rated for a particular age group but most children will appreciate a "big kid" toy if it's safe for them and makes them feel grown up.

Child's Preferences: Always think about the child first and what might appeal to them. If they seem to enjoy music, look for beginning level instruments. Active kids need sports oriented items and may not appreciate a book unless it's filled with exciting images. Girls that love frilly things may be thrilled with princess dress-up clothes while her sister who loves to climb trees would enjoy a jump rope instead.

Appearance of the Toy: Younger children need toys that attract attention with bright colors and cheerful images. Make sure the toy is attractive once the packaging is removed. Action figures and characters from favorite movies inspire kids to start a collection of their own.

Durability and Maintenance: Buy toys that endure rough treatment so that children may play freely without concern. Consider whether batteries are required and can be conveniently changed. Toys manufactured by reputable makers may cost a little more but provide longer durability and the ability to be used by other children in the family.

Function of the Toy: Try to find toys that provide useful entertainment and allow the child to think on their own rather than one that just requires pushing buttons. Toys that allow creativity such as drawing, painting, sculpting with clay or gluing models may seem old fashioned but never go out of style. Kids will enjoy spending some quality time making something on their own. Sometimes simple toys such as soccer balls or a set of building blocks provide hours of fun especially if they are updated with trendy logos or new features.

Safety Issues: Toys made from small pieces may harm toddlers or the younger siblings of older children. Check the labels for components and potential harmful materials and don't introduce anything into the home that can't be carefully guarded.

Helping children to discover and nurture their genius at Learning Toys for Kids []

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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 Currently

Current tuition fees are set at £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 Work

Students 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 £15,000 a year. Beyond £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 £20,000 a year, for example, will pay back £450 each year (or £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 £15,000 they don't have to pay anything until it rises above this again.

Tuition Fees from 2012

There 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 £9,000 a year, which will be £27,000 for a three-year course.

Student Loans from 2012

As 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 £21,000, £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 Children

Many 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 ©

Jump Savings will be offering Junior ISA accounts.

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Parent's Involvement in Children's Education

The importance of parental involvement as an accelerating and motivating factor in their children’s education is a worldwide-accepted fact. This research project provides an in depth explanation along with specific reasons, the importance of parents’ involvement in their children’s education. It also discusses the parenting techniques, their types and their consequences if neglected. It also describes the ways to measure the outcome of the positive parental involvement. Furthermore, it mentions the teachers involvement and the difficulties faced by the teachers in getting parents involved in their children’s (this is further supported by the examples of two teachers who with their deliberate efforts won the parents over to devote their maximum attention towards their children), single-parent involvement, children’s own efforts to improve their academic levels and joint home-school based interventions. A detailed analysis of the different main ideas is given, based on the findings from other research surveys and projects.


Parental involvement can be seen to fall into three types: 1) Behavioral, 2) Intellectual and 3) Personal. The research explores the effect of multi-dimensional participation of parents and the resulting progress of children in their studies when different parental resources were dedicated to them. Actively participating parents help their children in their academic development by going to schools and participating in open houses. By keenly observing the behavior of their children they can rightly judge the kind of behavior or the allocation of resources required by their children. Such caring parents can also motivate teachers to become more attentive towards a particular student, thus maintaining the cycle of parent-teacher involvement. Encourage Building up cognitive and perception abilities in a child is a major concern in the upbringing of the child. The way the parents involve their children in cognitive learning is by exposing them to different cognitively stimulating activities and materials such as books, electronic media and current events at home. This helps the child to practice all sorts of language comprehending skills at the school. The results show a remarkably positive behavior at the school and with peers.

Two parenting processes namely the Supportive Parenting (SP) and Harsh Parenting (HP) helped a lot in the research of parental involvement in their children’s education. By adjusting the levels of supportive parenting, different levels of successful outcomes were observed. Supportive parenting in even kindergarten students yielded positive results. Four measures of supportive parenting were used in the study, they were:

1. Proactive teaching.

2. Calm discussion in disciplinary encounters.

3. Warmth.

4. Interest and involvement in peer activities.

The assessments were conducted when children entered kindergarten and when they reached grade 6. There was a factor noted to hinder children’s development: family adversity. It was the result of a multipurpose negative process that included the risk of low socio-economic status, single-parenting and family stress. Child maladjustments were found to be more common in families with such adversities. No matter how much negative impacts were cast, SP was found to overcome the risks associated with family adversity. SP was strongly related to adjustment procedures in grade 6 children who had single parent family or experienced low socio-economic status (SES) in their early childhood.

In a way to socialize their children, parents adopted the techniques of calm discussion and proactive teaching. They helped lessen the behavioral problems by carrying long discussions with their children, cultivating in them a sense of respect, calmness and peace of mind. Mothers also participated actively in reducing the peer stress among their children. It is also a widely accepted fact that supportive parenting plays an important role in the children’s development of empathy, prosocial behavior and emotional competence. On the negative side, the absence of supportive parenting may be related to the development of internal problems such as anxiety and depression.

Lack of the necessary parental care and attention is the main factor for the subsequent rise in the percentage of juvenile delinquency (crime among children). The absence of parental instructions causes children to develop irreversible behavioral and emotional problems. They in order to seek attention, resort to crimes thinking that in this way they could fulfill their wishes. They may revert to uncontrolled violence if not kept an eye upon. Such criminal activities cannot be brought to a halt until their distressing symptoms of low self-esteem, depression, dysphonic mood, tension and worries, and other disturbances are relieved. And the importance of parents’ role in this regard cannot be over-emphasized.

In an effort to describe parental involvement, many researchers use a term “Transition”(Lombardi, Joan). “Transition” is used to describe the time period in which children move from home to school, from school to after school activities, from one activity to another within a pre-school, or from pre-school to kindergarten. The untiring endeavors of teachers in the phenomenon of transition cannot be ignored. They prepared the children and their parents to face the problems of adjusting to elementary school programs that had different psychology, teaching styles and structure than the programs offered at the kindergarten level. In the elementary level schools the teachers had to face serious challenges in motivating the parents to take interest in their children’s activities. The teachers adopted different methods to involve the parents in day-to-day classroom and home activities. They used to send notes, invitation of parent-teacher meetings, invitation of parental guidance sessions and training sessions, continuously directing the parent’s attention towards their children. Patricia Brown Clark suggests that it is very important to keep the line of communication between teachers and parents open, so that the parents can interact with the teachers and get up to date information of their children’s school activities. One way to involve parents is to schedule school events and arranging classroom activities such as volunteering for libraries, acting as classroom aides or efficiently organizing lunch breaks. The teachers also opt for making phone calls at the children’s houses to keep in touch with the parents and getting to know the extent to which they are contributing towards the welfare of their children. Apart from the above activities, the teachers also assign home activities for both the parents and their children so that the parents remain indulged in their children and the children get to study at home. However, it was a bad and disappointing experience for the teachers when many of the parents failed to respond as expected. Many of the parents were so overwhelmed with their official work that they could hardly take out some time for their beloved children.

Moreover, for some parents their schoolings were not positive and character-boosting experiences, therefore they preferred to keep a distance from their children’s school as well. This made it really difficult and at times impossible for teachers to bring the parental involvement to the desired level. Nevertheless, the activities of two teachers proved greatly fruitful in making parents involved in their children. They were Carlos Valdez, an art teacher and 8th grade class sponsor, and Mike Hogan, the school’s band director. They did it by involving parents in music festivals and other school ceremonies. They proved to be great examples for the future teachers to come.

If the children’s academic development programs are to prove successful they must share two characteristics:

1) Developmentally appropriate practice:

A child’s academic progress is clearly reflected by the appropriate practice he/she administers while in school life. During transitions from pre-school to kindergarten, a child if given the exact developmentally appropriate practice tends to learn a great deal of language and playing skills. He develops a keen interest in exploring his environments and interacting (without hesitation) with his adults.

2) Supportive services:

These include the assistance that the school provides to low-income family students. The services include health care, childcare and community care. This strengthens the relation between school and children and creates a sense of security and confidence among the children. They get to learn that their communities are a part of their school since the school’s supportive services strive to help community development.

It is commonly believed that children are good self-teachers. Their self-initiated strategies help improve their expression, creativity, intellectual capabilities and extra-curricular skills. This idea is proved by the documentation of young children’s work provided by Reggio Emilia :

“The Reggio Emilia educators highlight young children’s amazing capabilities and indicate that it is through the unity of thinking and feeling that young children can explore their world, represent their ideas, and communicate with others at their highest level.”(Edwards, Pope. C, Springate, Wright.K)

The climax rests in the fact that how the parents would know that their sincere involvements are really proving worthwhile for their children. The answer lies in the attitude of the children. The degree of parental involvement can be judged by a child’s attitude towards his school subjects, his academic desires and achievements. There is a direct relationship between academic achievements and the attitude towards school. Schunk in 1981 had the following idea of aspiration or academic desires:

“Level of aspiration is defined as one’s subjective probability that he or she will reach a certain level of education.”(Abu, H. & Maher, M)

As a result children who received adequate parental concern were found to be much more confident in their academic desires and achievements than those who could not get the right amount of parental concern.
The individual involvement of mothers and fathers also plays a vital role in the behavioral development of a child. Students from one-parent household were observed to show less positive attitude towards schools and studies as compared to students from two-parent households. One study aimed at investigating parental concern showed that despite mothers’ sincere endeavors, the role of fathers could not be ignored and both served as an important foundation for the future progress of the child. This can be proved from the following fact:

According to a recent report from the National Center for Educational Statistics (1997), compared to their counterparts, children with involved fathers are more likely to have participated in educational activities with their parents (e.g., to have visited a museum or a historical site with their parents in the past month), and are more likely to have access to multiple types of resources at home as well (as measured by the proportion of parents who belong to community or professional organizations, or regularly volunteer in the community). (Flouri, E. And Buchanan, A, Pg.142)

Also, the parental involvement has been discussed and implemented in terms of interventions or prevention programs, which are nothing but safety measures taken to assure healthy and perfect upbringing of the child. The study uses school-based and home-only intervention programs to find out the extent of intellectual capabilities found in children from different family backgrounds. The success of one school-based interventions can be proved from the following fact, which was a part of “Education Service Improvement Plan 2001-2005” of Edinburgh:

----The Scottish Executive Discipline Task Force, which studied the causes of poor behavior among pupils in schools produced a report of 'Better Behavior - Better Learning' in June 2001. The report included 36 recommendations for action, which were then turned into an Action Plan in 2002. Many of these have implications for the Education Authority. (Craig Millar Instep Project)


Abu, H. & Maher, M. (2000). A structural model of attitudes towards school subjects, academic aspiration and achievement. Educational Psychology, 20, 75-84.

Angoff, W.H. (1988). The nature-nurture debate, aptitudes and group differences. American Psychologist, 43, 713-720
Berger, D. (2003). The Developing Person, Worth Publishers

Brown, P. C. (1989). Involving Parents in the Education of Their Children. ERIC Clearinghouse on Elementary and Early Childhood Education Urbana IL.

“Craig Millar Instep Project” [] Local_Organisations/local_Craigmillar_Instep_Project.html& - context

DeKlyen, M., Speltz, M.L., & Greenberg, M.T. (1998).
Fathering and early onset conduct problems: Positive and negative parenting, father-son attachment, and the marital context. Clinical Child and Family Psychology Review, 1, 3-21.

Edwards, Carolyn Pope; Springate, Kay Wright (1995), Encouraging Creativity in Early Childhood Classrooms, Eric Digest.

Flouri, E. & Buchanan, A. (2004). Early father's and mothers involvement and child's later educational outcomes. Department of Social Policy and Social Work, University of Oxford, UK, British Journal of Educational Psychology 74, 141-153

Fortier, M.S., Vallerand, R.J., & Guay, F. (1995). Academic motivation and school performance: Toward a structural model. Contemporary Educational Psychology, 20, 257-274.

Ganzach, Y. (2000). Parents’ education, cognitive ability, educational expectations and educational attainment: Interactive effects. British Journal of Educational Psychology, 70, 419-441.

Georgiou, S. (1999). Parental attributions as predictors of involvement and influences on child achievement. British Journal of Educational Psychology, 69, 409-429.

Grolnick, W.S., & Slowiaczek, M.L. (1994). Parents’ involvement in children’s schooling: A multidimensional conceptualization and motivational model. Child Development, 65, 237-252.

Halsey, P. (2004). Nurturing the Parent Involvement, Two middle Level Teachers Share their Secrets. Assistant Professor in the College of Education at Texas Tech University in Lubbock, Texas. Vol 77, No. 4, pages 135-137 WN: 04062038590002

Lombardi, Joan (1992), Beyond Transition: Ensuring Continuity in Early Childhood Services, Eric Digest.

Masse, L.C., & Tremblay, R.E. (1999). Kindergarten disruptive behavior, family adversity, gender and elementary school failure. International Journal of Behavioral Development, 23, 225-240.

Mulkey, L.M., Crain, R.L, & Harrington, A.J.C. (1992). One parent households and achievement: Economic and behavioral explanations of a small effect. Sociology & Education, 65, 48-65.

Pamela A. Halsey (2004) Nurturing the Parent Involvement, Two middle Level Teachers Share their Secrets. Assistant Professor in the College of Education at Texas Tech University in Lubbock, Texas. Vol 77, No. 4, pages 135-137 WN: 04062038590002.

Pettit, G.S., Bates, J.E., & Dodge, K.A. (1997). Supportive parenting ecological context and children’s adjustment: A seven year longitudinal study. Child Development, 68, 908-923.

Ramey, C.T., Campbell, F.A, & Ramey, S.L, (1999). Early intervention: Successful pathways to improving intellectual development. Developmental Neuropsychology, 16, 385-392.
Shepard, J. & Carlson, J.S. (2003).

An Empirical Evaluation of School-Based Prevention Programs that Involve Parents. Oklahoma State University and, Michigan State University, copyright, Wiley Periodicals, Psychology in the Schools, Vol. 40 (6), pages 641-656

Updegraff, K.A., McHale, S.M., Crouter, A.C. (1996). Gender roles in marriage: What do they mean for girls’ and boys’ school achievement? Journal of Youth and Adolescence, 25, 73-88.

Yongman, M.W., Kindlon, D., & Earls, F. (1995). Father involvement and cognitive/behavioral outcomes of preterm infants. Journal of American Academy of Child & Adolescent Psychiatry, 34, 58-66.

Fawwad works as a staff writer for TermPapersCorner,Inc. Term Papers Corner Provide high quality custom term paper, custom essay and thesis writing service to students and professionals. We are currently having a writing competition visit Writing Contest 2005

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Why You Should Volunteer At Your Child's School

Being a parent is life changing and though the rewards are absolute, the challenges are forever changing. Today our family structure typically involves both parents working and with extracurricular activities, lessons and camps, time has become a commodity even our children have precious little of.

While the majority of parents are involved in their children's education, they have little time to participate in the actual day to day structure of it. They see teachers and the school system as one part of their child's day that they don't need to worry about. They can simply trust the professionals to do their job. However, it's actually because of the busyness of our lives that parents need to become more involved in their child's school by volunteering on a semi regular basis.

It needn't be every day or even every week. With email and school web pages, you can sign up and be added to volunteer lists and be available when the time works best for you. It can be as much or as little as you like. The key is being available to help when you can.

Seeing Your Child Through A Different Lens

When we take the time to visit our child's class during a regular day, we have the opportunity to see for ourselves the many challenges and issues faced by teachers and students today. It's here in the trenches where we can see just what is needed and where we can step in and help. By observing, participating and asking where we can be most useful, our children can reap the rewards of an extra pair of hands and a little bit of extra time from another caring adult.

Having the chance to see your child interact can give you a heads up to situations you were not aware of. Children often behave very differently in school than they do at home and it can be a very illuminating experience. Teachers are professionals. Spending the time observing their teaching styles and the manner in which they engage children, can give you an understanding on how to teach your own child at home in life situations.

Being in the classroom also shows your child that you value their education and are making the time to keep it a high priority in your family's life. The younger children may be excited at your interaction in their classes and although the older children may not be thrilled with your presence, chances are they will appreciate your commitment to them and their education.

Helping Our Communities

Volunteering also provides support to the community. School funding is often a struggle and administrators are constantly fighting for more value with limited resources. Volunteers can help provide the support that schools could not possibly afford.

A parent volunteer willing to spend a few hours a week helping out is a welcome support to an increasingly overwhelming school system. Most classrooms are overcrowded and a volunteer can give some individualized attention to students that may be struggling. It can be anything from help with reading and homework assignments to field trips and administration duties.

Parent volunteers have become a necessary staple in our educational systems. With a few hours a month, you can support your community and show your commitment to your children's education. You are supporting the teachers by allowing them to focus on teaching and providing the best learning experience for your children.

Most importantly though, you are leading by example and pitching in where your are needed. You are being present in their lives not only at home but away from home as well. Your time is all the investment you need to make a difference.

Got a burning question about why its important to volunteer at your child's school? Grandpa Gord and Grandma Gertie put a sensible spin on expert advice, with a little humor thrown in. We cover topics ranging from pets to parenting, careers to hobbies, relationships to lifestyle, and everything in between. Visit us at for some simple and straight from the hip advice.

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Benefits of Children's Educational Toys and Games

Did you know that toys and games are vital to the total development of children? Yes, they are. These toys are not only made to provide fun and entertainment to children, but they serve other purposes as well. To learn more about its benefits, read this article.

As the famous saying goes, "All work and no play makes Jack a dull boy." This holds true to children because play is not simply made to white their time and to provide entertainment to children, but also to boost learning and development. These toys provide firm foundation for learning and education, thereby giving children a good start early in life.

Despite the existence of millions of toys and games in the market, the values they provide remain the same. By nature, children are inquisitive and curious and giving them the right toys to touch and to play everyday can keep little tykes interest all day. If you do not furnish them toys to keep them busy, they will amuse themselves by cutting, folding, tearing things. Because of their curious nature, you should keep all the dangerous things inside your house, like staples, scissors, pencils and important files. The best way to keep them busy is to provide them with the right toys to play with.

To boost their learning capacity, it is the responsibility of parents to give their children the right educational toys.

Benefits of educational toys to children:

    * Innovativeness and creativity - When playing with toys and games, they can develop perception, intuition and reasoning. By giving them the right toys, they learn to draw, to paint, to use crayons, to use a pair of scissors and many more. By playing with educational craft materials at an early age, they become creative and they explore their creativity by drawing different shapes and sizes or by cutting things out of paper.

    * Cognitive skills - These toys can help them connect to their thought process and can develop their capabilities to think freely. Toys which help children boost their cognitive skills include puzzles and number games.

    * Motor skills - With the right toys and games, they can develop their motor skills along with their cognitive skills.

    * Fun and enjoyment - If your child enjoys the toys he plays, he will keep playing the game. Enjoyment is an essential component when choosing a toy or a game for your child. Make it a point to consider his interest when buying a toy for him.

    * Soft skills - By giving them a well-guided play, they can develop softer skills like:
          o Social activities - By mingling and interacting with other children, they learn social values, principles and sentiments.
          o Language skills - When they play with language-based educational toys, they are quick to learn fundamental language skills.
          o Emotional development - They learn to face situations, like losing a game to a friend or winning a game. By exposing them early to real-life situations like this, you can help them grow emotionally. They learn to accept challenges, to overcome them and to gain mental strength.

Because of the invaluable things, practices and lessons children learn from play, parents should give them the right educational toys suitable for their age and interest.

William G. Steinmetz enjoys writing for which sells cornhole game and washer toss game as well as a host of additional products.

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Donation For Children's Education and Their Welfare

Children are the face of god. Their innocent smiles win our hearts and this innocence should be nurtured and not wasted away in the harshness of life. But to think of reality, million of children in India are deprived of a normal childhood, they are forced to set out on the footpath streets begging for a rupee or two. A number of these underprivileged children are thrown into early labor and the bitter ways of earning. They do not need our sympathetic looks but a simple encouraging help. You can help those children, the victims of harsh destiny by donating to charity homes or institution spread across the country.

A single rupee from your pockets can bring a vital change in their lives. The funds donated can be utilized in child development education. A number of NGO and charity homes have mushroomed across the cities and towns and these work hand in hand to promote child welfare and weed out the social evils which have clutched the future of India, the children of India. There are many good charities out there, the need is to do a little research to find them and stretch out a helping hand as your helping hands will guide these children to a bright future. One need not go hunting for the charities, the information is available online and even easier, one can donate online too.

The internet has grown tremendously over the years and it is today, the most powerful tool one can use to help donating to charity and thus, aid in the education and welfare of impoverished children. However, the donors should also be vigil enough to search amongst the many, many charities which are out there and ready to exploit the good will of people. You can take the help of many websites and thus, keep yourself from being fooled by the schemers. A list of guidelines will help you decide the charity you would want to give a donation to. And yes, while donating for charity always make sure that you donate it only to the charities you are familiar with. A number of known and popular charities like Plan India and many others are available online with all their information and guidelines. In case of other charities not so familiar to you, always check their details at your state or local government offices.

Do not give out your information to anyone asking for donations through e-mails; especially if you have not asked for any solicitation as a good chance lies for it to be fraudulent. Always explore well before making donation for children and check the financial records of the charity that asks you to donate. Concentrating on child welfare India has also taken crucial steps wherein the donations from the public are directed to child development education. National charities and the reputed charities let the donors know, where their donated money really goes. Therefore, research well and then bless the impoverished children towards a developed future.

Naval K Sharma is an expert writer working with organizations which provide child development education, Help Girl Child, Sponsor a Child Charity, donating to charity and help child welfare India.

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Parents and the Child Education

The good old adage that says "children are the leaders of tomorrow" is actually an indisputable truth and should not be ignored. As a result of this, children's education should be taken very serious and parents should not leave it up to schools alone. Schools tried their best, but the sole responsibilities lie on the parents, because they are suppose to give the child a head start in life than what is being taught in schools.

Schools are being directed by professional teachers and they can only perform within the dictate of their professional ethics. For example if a child lagged behind in any subject, it is the responsibility of the school to make sure that the child is able to cope with the subject based on the teacher's expertise and the school's approved standard of effective tutoring, anything that falls out this could be considered poor performance. This is to say that, parents should step up and do something to make sure that the child is able meet up and pass any of the difficult subjects - but not going to the school and be harassing the innocent teachers.

Parents can help the schools by encouraging the child to attend extra classes outside of school hours, with the aims of helping to boost the school efforts in the child's education. For example, in the Asian countries, children's education is on their top economic priorities, most students attends extra classes after schools hours and they all tried to learn English, because they know that they are going to have a better chance of securing good job after their education.

But, the attitude of parents towards children's education in some western countries is nothing to write home about. This is due to the advent of technology; students can close from schools to a place of fun or can even get busy by spending the rest of the day chatting with friends - it is not good for a child's future and parents must do something about it.

I am of the opinion that, it has to do with parent's attitudes toward the future. Some decades ago, things have been going smoothly and children did not need to worry about the future, this is due to the solid foundation laid by our founding fathers. But now, the attitudes has changed children education has been completely handed over to teachers and parents have forgotten; that tender motherly love and the soothing fatherly word of a caring father can do spur that child to the next level of educational achievement.

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Saving For Children's Education

One of the most common financial goals that couples have is to save money for their children's education, whether that be at a private school or a tertiary institution. Saving for this purpose is no different than saving for any other goal in life, yet there is a common misperception that funds need to be set aside separately or even in the child's name for this purpose. That can lead to a lower rate of investment return in some cases.

If you are going to save for your children's education, then you're probably looking at saving tens of thousands of dollars and it will take a number of years to get to that target.

That means starting when the child is young - in fact, probably at the preschool age. Anybody with preschoolers most probably has a mortgage. With mortgage interest rates being so high, the best place to put your money is into your mortgage to keep the interest payments down. If, for example, you are paying say 7.0% interest on your mortgage you would need to earn at least 7.0% after tax on an investment to make it worthwhile investing and not paying your mortgage. So pay off your debt as fast as you can, and then remortgage later if your still really want to help your kids. If you have grandchildren that you wish to provide for, the situation may be a little different. You probably won't have a mortgage and you may wish to make funds available that are clearly earmarked for your grandchildren and clearly specified to be used only for education costs. A good way of achieving these objectives is to set up an education trust. This can be done through a solicitor or trustee company. There will be a fee involved to establish and maintain the trust, but there will be safeguards in place to ensure that the funds are used for the purpose you intend. An education trust can be particularly useful in certain situations, for example, where there is a relationship breakdown between parents and a parent or grandparent wishes to make funds available without the risk of the money being used for a different purpose. An education trust can also be used where funds might be at risk of a possible future claim by business creditors.

There are specialist funds available that offer educational scholarships. The idea is that you contribute a regular amount into the fund and, if your child attends a tertiary institution there is a scholarship payable. Such funds need to be looked at carefully in terms of the likelihood of your child attending a tertiary institution and, in the event they do, the value of the scholarship in relation to the funds invested.

Liz Koh is a financial planner and the author of the best selling book - Your Money Personality: Unlock the Secret to a Rich and Happy Life, Awa Press, 2008, available from

For Liz's best tips for financial security, visit her website to receive your free e-book "8 Steps to Financial Freedom".

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Special Education Inclusion

Special education inclusion signifies the participation of special education students in regular education classrooms and provision of support services to these students. The main objective of inclusion education is that all students in a school, regardless of their strengths and their weaknesses in any area, become part of the school community. Every student develops a feeling of belonging with other students, teachers, and support staff. In segregated special education, children will not learn how to function in a non-disabled world. For instance, children who are disabled in terms of communication and are emotionally distressed would not communicate and might remain in a more emotionally disturbed state in segregated settings. The federal Individuals with Disabilities Education Act (IDEA) holds it mandatory for schools to educate children with disabilities in general education classrooms.

The prime advantage of special education inclusion is that both disabled and non-disabled students are brought together in an environment of togetherness. Children learn to accept individual differences in inclusion education and this would lead to the development of new friendly relationships. Inclusion education also enables active participation of parents in their child's education. The law also states that students with disabilities have a legal right to attend regular classes and receive an appropriate education in the least restrictive environment. Although the advantages are many, inclusion education creates an uncertainty regarding the roles and responsibilities of regular classroom teachers and special education teachers. However, researches show that inclusion education can be made effective by a healthy collaboration of special education teachers and regular teachers. With the assistance of services that would be available from the health department, physical education department, occupational therapists, speech therapists, etc., the school administration can aid the teachers to develop active lesson plans for inclusion education. Thus schools can create a cooperative learning environment and promote socialization.

Special Education provides detailed information on Special Education, Special Education Degrees, Online Special Education Courses, Journal Of Special Education and more. Special Education is affiliated with Teacher Education Philosophies.

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