<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:georss='http://www.georss.org/georss' xmlns:gd='http://schemas.google.com/g/2005' xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-2914877054133490322</id><updated>2011-11-27T16:43:55.465-08:00</updated><category term='Homelessness'/><category term='Trauma'/><category term='New Image Emergency Shelter'/><category term='Foreclosure'/><category term='Dropout Rate'/><title type='text'>Homeless Insights</title><subtitle type='html'></subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='http://homelessinsights.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2914877054133490322/posts/default?max-results=100'/><link rel='alternate' type='text/html' href='http://homelessinsights.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>Victor James</name><uri>http://www.blogger.com/profile/14618260183574106879</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='24' src='http://2.bp.blogspot.com/_aaMB0z1NNcY/SW196pd4D6I/AAAAAAAAAAM/5qaLLE4Cc_o/S220/Photo+34.jpg'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>5</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>100</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-2914877054133490322.post-5168645350394736601</id><published>2009-03-02T23:40:00.000-08:00</published><updated>2009-03-02T23:49:22.477-08:00</updated><title type='text'>Making money today</title><content type='html'>How do we make money today? Many people are concerned that they will not have a job soon. With all of the recent lay off many people are loosing faith. How can we assure them or provide people with a real direction to help them now?&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2914877054133490322-5168645350394736601?l=homelessinsights.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://homelessinsights.blogspot.com/feeds/5168645350394736601/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=2914877054133490322&amp;postID=5168645350394736601' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2914877054133490322/posts/default/5168645350394736601'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2914877054133490322/posts/default/5168645350394736601'/><link rel='alternate' type='text/html' href='http://homelessinsights.blogspot.com/2009/03/making-money-today.html' title='Making money today'/><author><name>Victor James</name><uri>http://www.blogger.com/profile/14618260183574106879</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='24' src='http://2.bp.blogspot.com/_aaMB0z1NNcY/SW196pd4D6I/AAAAAAAAAAM/5qaLLE4Cc_o/S220/Photo+34.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2914877054133490322.post-2842402652633586995</id><published>2009-01-16T00:00:00.000-08:00</published><updated>2009-01-16T00:00:01.312-08:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='New Image Emergency Shelter'/><category scheme='http://www.blogger.com/atom/ns#' term='Homelessness'/><title type='text'>New Image Emergency Shelter</title><content type='html'>&lt;object width="425" height="344"&gt;&lt;param name="movie" value="http://www.youtube.com/v/5_dyQBEv3k4&amp;hl=en&amp;fs=1"&gt;&lt;/param&gt;&lt;param name="allowFullScreen" value="true"&gt;&lt;/param&gt;&lt;param name="allowscriptaccess" value="always"&gt;&lt;/param&gt;&lt;embed src="http://www.youtube.com/v/5_dyQBEv3k4&amp;hl=en&amp;fs=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="344"&gt;&lt;/embed&gt;&lt;/object&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2914877054133490322-2842402652633586995?l=homelessinsights.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://homelessinsights.blogspot.com/feeds/2842402652633586995/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=2914877054133490322&amp;postID=2842402652633586995' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2914877054133490322/posts/default/2842402652633586995'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2914877054133490322/posts/default/2842402652633586995'/><link rel='alternate' type='text/html' href='http://homelessinsights.blogspot.com/2009/01/new-image-emergency-shelter.html' title='New Image Emergency Shelter'/><author><name>Victor James</name><uri>http://www.blogger.com/profile/14618260183574106879</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='24' src='http://2.bp.blogspot.com/_aaMB0z1NNcY/SW196pd4D6I/AAAAAAAAAAM/5qaLLE4Cc_o/S220/Photo+34.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2914877054133490322.post-6452094241526052459</id><published>2009-01-15T00:00:00.000-08:00</published><updated>2009-01-15T00:00:01.140-08:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Trauma'/><title type='text'>Not ADHD, Not Bipolar, Not Learning Disabilities - Trauma</title><content type='html'>There are numerous signs and symptoms that let us know when our child has been traumatized. As we review them, it will become apparent that many are also part of other more commonly diagnosed problems, such as ADHD, bipolar disorder, and depression. This has become a serious problem in the fields of medicine, mental health, and education. Children are being misdiagnosed and prescribed ineffective medications that often do not work because the original diagnosis was wrong. It is my hope that with more parents learning about trauma and its impact on children's functioning at home and at school, we will stop the misdiagnoses and use of medications that have harmed many of our children.&lt;br /&gt;&lt;br /&gt;Once traumatized, two different patterns of responding to the environment emerge. Some children appear hyper and highly irritable - an overaroused-looking pattern - while other children look shut down, withdrawn, or dissociated - an underaroused-looking pattern. Whether overaroused or underaroused, the key to understanding traumatized children is to know that their nervous system is unregulated and out of balance. It is revved high and wound tight.&lt;br /&gt;&lt;br /&gt;One trauma survivor described the dichotomy of undersarousal in this way: "You feel like a duck. You're sitting on the water all regal but you're pedaling like hell underneath." Another trauma survivor said that with underarousal, "It's like your body stops, but your insides keep moving." The underaroused pattern only looks like the trauma survivor is calm and less aroused than in the case of the overaroused pattern. Inside, however, the nervous system is just as revved.&lt;br /&gt;&lt;br /&gt;Overarousal often looks like children have lost control of themselves, while underarousal looks like children have given up. Picture the child who is constantly getting up out of his seat, trying to get involved in other people's business, putting his hands and feet where they are not wanted. Consider the child who looks for fights, using his body and face to intimidate, threaten and provoke. Think of the child who looks at people suspiciously and often complains that people are looking at him funny, trying to start a fight with him. These are the children who are overaroused, who get noticed, and who are more obviously traumatized.&lt;br /&gt;&lt;br /&gt;Alternatively, think of the child who has given up. The one who does not seem to try anymore, who sits at his desk claiming he is bored, or does not care, or nothing matters, or there just isn't anything he likes. Picture the child who is withdrawn from friends, teachers, or other adults, who looks like he is trying to disappear. This is the student who is underaroused or dissociated. He may stare blankly, daydream, look through you, not hear what you are saying, or forget what you just told him.&lt;br /&gt;&lt;br /&gt;Some traumatized students may demonstrate one or the other response pattern most of the time, but others may display both of them at different times throughout the same day. Some children alternate between shutting down completely when something challenges them, and jumping out of their seat to look for a fight for no apparent reason. They may alternate between staring blankly for several minutes at a time, daydreaming, and then accusing their siblings or classmates of looking at them funny and threatening them violently.&lt;br /&gt;&lt;br /&gt;Additional signs and symptoms of traumatization are as follows:&lt;br /&gt;&lt;br /&gt;-fears, anxieties, worries, nervousness, thoughts of doom -psychosomatic complaints (sore tummy, headache, aches/pains) -inattentiveness, distractibility, difficulty concentrating, confused, dazed -daydreams, spacey, "floating through life" quality, out of body experiences -tantrum behaviors, easily upset, difficult to soothe, excessive crying -anger, rage, aggression, violence, threatens and/or attacks others -self-injurious behaviors (cutting, mutilating, threatens/attempts suicide) -difficulty processing, learning, and retaining information -difficulty retrieving information already learned -compulsive behaviors (excessive talking, hitting others) -eating disturbances (eating too much or too little) -sleep disturbances (nightmares, sleepwalking, night terrors) -attention-seeking behaviors -anxiety disorders (school phobia, separation anxiety, OCD, panic attacks) -ADHD-looking behaviors (can't sit still, can't concentrate, "ants in the pants") -reenactment of the trauma (obsessive thoughts regarding guns/death; looks for fights and/or dangerous situations, fearless, instigates punishments) -difficult to engage, avoids or refuses to work -perfectionist, rigid, inflexible (big upsets over small mistakes) -enuresis (wets pants), encopresis (soils pants) -self-medicates (sniffs glue, smokes marijuana) -bullies or is the "scapegoat" -excessive clinging -easily startled and jumpy -irritable and agitated -withdrawn from family and friends -sad, listless, decreased activity -extreme sensitivity to light and sound -sexual acting out -fear of going crazy&lt;br /&gt;&lt;br /&gt;TRAUMA CHANGES THE BRAIN&lt;br /&gt;&lt;br /&gt;The fact that trauma changes the brain, does not mean that with the right kinds of intervention we cannot do much to reverse the effects of trauma on the brain. That is very important to remember. With the right kind of help, children who have been traumatized can heal and regain much of their pre-trauma abilities.&lt;br /&gt;&lt;br /&gt;Once traumatized, children's baseline levels of arousal and anxiety become elevated or "stuck on high," even when they look like they are underaroused. This is the result of several different neural and biochemical systems responding to the experience(s) of terror. For instance, people who have been traumatized develop abnormalities in the release of brain chemicals that regulate arousal and attention (van der Kolk, 2002). In untraumatized children, stress activates all the principle anti-stress hormones which enable active coping behaviors. In traumatized children, however, relatively low levels of these anti-stress hormones exist causing an inability to regulate or manage responses to stress (van der Kolk, 2002). This is why traumatized children are easily overwhelmed by the demands of their environment, especially school.&lt;br /&gt;&lt;br /&gt;The elevated baseline levels of arousal and anxiety in traumatized students leaves them in a persistent and biologically-based state of low-level fear (Perry, Pollard, Blakley, Baker, &amp; Vigilante, 1995). Their more sensitive system can now become highly aroused by what we may consider minor stressors, such as attending school and learning new academic material.&lt;br /&gt;&lt;br /&gt;Research in the field of psychology has for decades made us aware of the need for an optimal level of arousal in order for learning to take place. Arousal has the potential to stimulate learning, memory, and performance when it is optimal, and has the potential to inhibit learning, memory, and performance when it is in excess of what can be comfortably regulated by the learner's nervous system. When functioning within the optimal zone of arousal, children are able to process, integrate, and remember information. This is key to understanding children who have great difficulty learning and performing in the classroom.&lt;br /&gt;&lt;br /&gt;High levels of arousal interfere with information processing in all people, not just children. Advocates in the field of health and medicine today recommend that patients bring a friend or family member with them to the doctor's office when facing potentially life-threatening conditions. This is because we know how difficult it is for patients to process information while in a highly aroused state. Any one of us who has had to face this alone knows how little we remembered of what the doctor said. Only after getting into the safety of our own home, for instance, do we think of all the questions we had wanted to ask but forgot in the moment.&lt;br /&gt;&lt;br /&gt;The traumatized child has difficulty processing verbal information especially. Various studies assessing trauma's impact on the brain found increased activity in the right hemisphere, involved in nonverbal processing, while the activity of the left hemisphere, responsible for language processing, was decreased (Teicher, 2000; van der Kolk, 2002).&lt;br /&gt;&lt;br /&gt;High levels of arousal cause our children to feel more anxious, and when more anxious, closer attention is paid to nonverbal than verbal cues (Perry et al., 1995). Traumatized children actually become fixated on nonverbal cues that may aid in their survival, even when no real threat in the present moment exists. Remember, traumatized children live in a state of low-level fear most of the time, readying themselves for the next threat, whether real or perceived. Their brain's first and only concern when feeling threatened is survival, not reading, writing, or arithmetic. The curriculum and other classroom demands are ignored when the focus of the brain is survival.&lt;br /&gt;&lt;br /&gt;By extension of their difficulty processing verbal information, traumatized children also have great difficulty following directions, recalling what was heard, and making sense out of what was just said (Steele &amp; Raider, 2001). Focusing, attending, retaining and recalling verbal information are all difficult tasks for the traumatized child, as is problem-solving (Yang &amp; Clum, 2000).&lt;br /&gt;&lt;br /&gt;Finally, the chronic high state of arousal that traumatized children live in interferes with learning by interfering with the functioning of the hippocampus, that part of the brain that is responsible for memory. One study found that traumatized children have lower memory volume in their left-brain hippocampal areas (Bremmer, Krystal, Charnez, &amp; Southwick, 1996) while another study found that the stress involved in trauma caused the release of hormones that damaged the left hippocampal area thereby increasing memory deficit. REM sleep, a critical agent in the consolidation of memory, is disturbed in those with unresolved trauma (Siegel, 2003).&lt;br /&gt;&lt;br /&gt;It is nearly impossible for children to consolidate memories - working memory into short-term memory and short-term memory into long-term memory - when they cannot concentrate. Children are less capable of concentrating when they are in a chronic state of high arousal or anxiety. Both short-term (Starknum, Gebarski, Berent, &amp; Schterngart, 1992) and verbal or explicit memory (Bremmer et al., 1996) suffer when people are in this state.&lt;br /&gt;&lt;br /&gt;TRAUMA CAN BE HEALED&lt;br /&gt;&lt;br /&gt;Yet so many continue to suffer for years, even decades - regardless of various forms of therapy. This is because most forms of therapy involve the so-called "talking cure" which engages the part of the brain least involved in the experience of trauma.&lt;br /&gt;&lt;br /&gt;When we are impacted by a traumatic event, we become overwhelmed - not just psychologically, or in our mind - but physiologically as well, in our body. During overwhelm, we become governed by the oldest part of our brain that overrides our newer, more rational, cognitive brain to focus exclusively on survival. It is this part of the brain, our old brain that needs to be more engaged in the therapeutic process in order for therapy to work in the long-term.&lt;br /&gt;&lt;br /&gt;Through the language of sensations - not thoughts or feelings, but sensations -it becomes possible to engage our old brain. When we incorporate the body and its physical sensations into therapy, trauma can be healed.&lt;br /&gt;&lt;br /&gt;The pervasive view as a result of the commonly used medical model is that symptoms of post-traumatic stress constitute a lifelong disorder that can only be managed with medication and therapy. This is not the case. I have seen firsthand how these natural yet persistent responses to a traumatic event can be healed when the body and its sensations are integrated into treatment.&lt;br /&gt;&lt;br /&gt;HOW YOU CAN HELP YOUR CHILD&lt;br /&gt;&lt;br /&gt;The following list details the many things we can do to help heal our child's post-traumatic stress:&lt;br /&gt;&lt;br /&gt;1. First recognize that your internal state completely affects your child's internal state. Children absorb the energy, calm or anxious, of their parents and other adults like a sponge absorbs water. Recognize that your own unresolved trauma may get triggered by your child's experience and cause you to have an anxious internal state that will interfere with your child's ability to heal. Get the help you need through the support of family and friends, or a professional, if need be, so you can be calm and well-resourced for your child.&lt;br /&gt;&lt;br /&gt;2. Surround your child with affectionate loved ones who will act as a healing community for him or her. Do not allow your child to isolate. Healing takes place in communion with other people who remind us that we are not alone and that together we can get through anything.&lt;br /&gt;&lt;br /&gt;3. Help orient your child to the world around him or her. Traumatized people tend to go into dark, internal places that only reinforce their suffering. Although being outdoors in nature can be very resourceful, whether inside or outside, have your child look around and notice whatever is around him or her. Play a simple game called, "I See, I Hear, I Sense," during which you take turns naming something you see, something you hear, and something you sense inside your body. Take turns reporting a physical sensation you notice in your body, such as warm, cold, jumpy, calm, tight, tense, relaxed, strong, weak, solid, mushy, etc.&lt;br /&gt;&lt;br /&gt;After your child reports a sensation, especially an unpleasant one, encourage him or her to focus on the sensation until it changes. It always does without having to make it happen. If the unpleasant sensation lasts more than a minute or two without shifting, simply have your child orient to the world around him or her again and the sensation will change (for more details about this important healing process, please read, "Why Students Underachieve: What Educators and Parents Can Do about It," pages 123, 124).&lt;br /&gt;&lt;br /&gt;4. In trauma, people lose their ground - their sense of connectedness to themselves, to the earth, to nature, and to other people. Help your child re-establish a sense of ground by having him or her sit in a chair with his or her feet firmly planted on the floor. Have your child notice how he or she is being supported by the chair and the floor. Have them locate their center of gravity in the abdomen area by having them place their hands on their belly and focus on their breathing. Encourage your child to fill his or her belly with air as he or she takes a deep breath in through the nose. Trauma often restricts breathing patterns to the chest area, keeping oxygen from the rest of the body. Having your child experience a fuller, deeper breath that nourishes a larger region of the body is a helpful intervention. Breathing in through the nose engages the part of the nervous system that helps calm and relax, whereas breathing in through the mouth engages the part of the nervous system responsible for accelerated heart rate and blood pressure. You can redirect your child's breathing very simply so they experience a greater sense of ease.&lt;br /&gt;&lt;br /&gt;5. Maintain a moderately quiet, safe place at home within which your child can live and work as peacefully as possible. Loud music or noises, especially yelling, can keep the arousal level of a traumatized child very high. Keep television news and other disturbing stories and images away from your child's attention.&lt;br /&gt;&lt;br /&gt;6. The high arousal levels of traumatized children require firm yet flexible limits and boundaries that allow them a certain amount of room to move. Although they will test these boundaries with various challenging behaviors, what they really crave is the containment that limits provide. Consistently apply the same consequence for the same behavior. The more traumatized children can predict exactly what will happen if they behave a certain way, the safer they will come to feel in their environment.&lt;br /&gt;&lt;br /&gt;7. You cannot positively acknowledge your traumatized child too much. In order to develop a sense of competency, value, worth, pride, satisfaction, and strength, children need to earn positive recognition. Consistently reward your child for desirable behaviors, with a smile, a hug, and an encouraging word.&lt;br /&gt;&lt;br /&gt;8. Use time-out intelligently, and ultimately, successfully by first teaching yourself and then your child to connect with bodily sensations in order to use them as signals. Bodily sensations of heat, rapid heart rate, tightness, or tension, for example, may signal the need for time away from others in a safe, non-punitive place. Having such a place to go to as a resource - without being banished there punitively - can help the nervous system do what it needs to do to calm and return to balance (this usually takes 20 minutes).&lt;br /&gt;&lt;br /&gt;9. Help your child build and/or maintain and access resources, such as friends, loving family members, and activities they are good at that help them feel competent and successful, whether academic, athletic, artistic, or philanthropic/helpful to others. All children need to feel like they matter, that they are of value, and have an important contribution to make.&lt;br /&gt;&lt;br /&gt;10. Offering quiet (very little talking) connection through gentle holding can help facilitate the release or letting go of stress and anxiety. When holding your child, you may notice your child trembling, shaking, giving off heat or sweating, even yawning excessively. These responses are not only normal but also healthy and should not be interrupted but simply watched and validated through brief statements like, "That's it. That's okay. Just let that happen. I am right here with you." (More on this in "Why Students Underachieve: What Educators and Parents Can Do about It," pages 62, 63.)&lt;br /&gt;&lt;br /&gt;11. While it is unnecessary and sometimes harmful to have your child talk about a traumatizing event(s), if your child continually brings it up and wants to talk about it, it is important to emphasize at different points throughout the story what your child's resources were - who or what was helpful to them or what their strengths were that contributed to their survival.&lt;br /&gt;&lt;br /&gt;12. Educate your child's teachers and doctors about what your child has been through and what his or her particular needs are. Be cautious about accepting lifelong labels and prescriptions for medication. There are many alternative understandings and treatments that offer greater hope and have far fewer side effects.&lt;br /&gt;&lt;br /&gt;For more ideas, and to understand why they are helpful, please read "Why Students Underachieve: What Educators and Parents Can Do about It." Pages 143-148 highlight what is important not to do with your traumatized child (although this section is part of the chapter on emotionally disturbed (ED) students, the fact that traumatized children and ED students respond in similar ways some of the time does not mean that your child is ED).&lt;br /&gt;&lt;br /&gt;CONCLUSION&lt;br /&gt;&lt;br /&gt;I hope this guide has made it clear that if we want to heal trauma, the language of sensations cannot be ignored. Traumatic events are experienced and recalled not just by our cognitive mind but also by our brain and body. The longer we engage only the cognitive mind in the healing process, which is what we do when we send our traumatized child to an anger management group or to a traditional talk therapist, the longer healing does not take place - especially not in the long term. This can actually create more damage than we ever imagined. New insights without the body's capacity to follow through can set up troubled children for feelings of greater failure, shame, and helplessness because they now know better but find that they still cannot do better. No matter what their cognitive mind thinks is possible, their body has not been engaged in the healing process and, therefore, cannot physically tolerate the feelings and sensations of pain and discomfort that their daily lives evoke.&lt;br /&gt;&lt;br /&gt;Please read Dr. Reggie Melrose's book, "Why Students Underachieve: What Educators and Parents Can Do about It," and visit her website, &lt;a href="http://www.DrMelrose.com"&gt;http://www.DrMelrose.com&lt;/a&gt;, for more information and resources.&lt;br /&gt;&lt;br /&gt;Article Source: &lt;a href="http://EzineArticles.com/?expert=Regalena_Melrose"&gt;http://EzineArticles.com/?expert=Regalena_Melrose&lt;/a&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2914877054133490322-6452094241526052459?l=homelessinsights.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://homelessinsights.blogspot.com/feeds/6452094241526052459/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=2914877054133490322&amp;postID=6452094241526052459' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2914877054133490322/posts/default/6452094241526052459'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2914877054133490322/posts/default/6452094241526052459'/><link rel='alternate' type='text/html' href='http://homelessinsights.blogspot.com/2009/01/not-adhd-not-bipolar-not-learning.html' title='Not ADHD, Not Bipolar, Not Learning Disabilities - Trauma'/><author><name>Victor James</name><uri>http://www.blogger.com/profile/14618260183574106879</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='24' src='http://2.bp.blogspot.com/_aaMB0z1NNcY/SW196pd4D6I/AAAAAAAAAAM/5qaLLE4Cc_o/S220/Photo+34.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2914877054133490322.post-5501244297217855240</id><published>2009-01-13T22:56:00.000-08:00</published><updated>2009-01-13T22:58:59.203-08:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Dropout Rate'/><title type='text'>Los Angeles School District - Making a Move in Fighting Dropout Problems</title><content type='html'>The program My Future, My Decision was implemented by LAUSD's Dropout Prevention and Recovery staff and supporters. It integrates a comprehensive approach in reducing dropout rates. It focuses on the problems and needs of potential dropouts to regain schooling. It is committed to assist and counsel students to earn a diploma.&lt;br /&gt;&lt;br /&gt;A study shows that one out of three high school students fail to graduate. Many students have low self-esteem that they give up midway in their schooling.&lt;br /&gt;&lt;br /&gt;The growing number of dropouts will make them four times more likely to be unemployed. A school dropout is more likely to become a prisoner, living in poverty, unhealthy, and divorced. He does not vote and participate in the community. He ends up in low paying jobs also.&lt;br /&gt;&lt;br /&gt;The Los Angeles Unified School District campaigns vigorously to solve this problem. It extends an outreach effort through student-friendly communications like radios, text messaging and peer to peer networking sites. It has developed several programs to encourage students to finish school.&lt;br /&gt;&lt;br /&gt;One program is the Appointment of (DPA) Diploma Project Advisers and (PSA) Pupil Service and Attendance Counselors. It provides the placement of 80 DPAs and 300 PSAs in schools having high dropout rates. They help develop and implement individual educational blueprints. DPAs and PSA counselors work with the school staff to develop incentive programs like providing a quarterly parent meeting and intervention services upon enrollment.&lt;br /&gt;&lt;br /&gt;The newer campaign is called My Future, My Decision. It taps the students for personal responsibility through multimedia broadcast and communication channels. Alternative communication channels include the specific website, peer to peer social networking and cell phone texting.&lt;br /&gt;&lt;br /&gt;There is also higher educational institutions partnership. It aims to expand educational programs for high school students of the Los Angeles Community College District.&lt;br /&gt;&lt;br /&gt;In fixed programs for professional development, the staff works directly with at-risk students. They use the Parent-Student Resource Guidebook to support and in explain educational options.&lt;br /&gt;&lt;br /&gt;When necessary, they visit door to door to reach out to the students. They counsel and explain how they can complete course credits and other requirements.&lt;br /&gt;&lt;br /&gt;The expanded youth employment program promotes learn to earn year-round programs with the help of the mayor's office and civic organizations. It gives them the opportunity to work while studying.&lt;br /&gt;&lt;br /&gt;Network development provides educational options while working such as independent study program, alternative education work centers, 6 education career centers, 56 community day schools and 18 adult schools.&lt;br /&gt;&lt;br /&gt;Other elements include a new parental notification system, online credit recovery classes and accurate mapping and tracking systems for dropout rates. Another program option is the collaboration of community based organizations and officials.&lt;br /&gt;&lt;br /&gt;In the end, students agree that dropping is a big mistake. A poll released by the National Governors Association in 2005 found out that young people who still want to go to college has a rate of 87 percent. Los Angeles Unified School District is hoping for a big change, hoping to give students a better future.&lt;br /&gt;&lt;br /&gt;For more information on Philadelphia School District and Durham School District please visit our website.&lt;br /&gt;&lt;br /&gt;Article Source: &lt;a href="http://EzineArticles.com/?expert=David_Urmann"&gt;http://EzineArticles.com/?expert=David_Urmann&lt;/a&gt;&lt;br /&gt;Author: David Urmann&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2914877054133490322-5501244297217855240?l=homelessinsights.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://homelessinsights.blogspot.com/feeds/5501244297217855240/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=2914877054133490322&amp;postID=5501244297217855240' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2914877054133490322/posts/default/5501244297217855240'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2914877054133490322/posts/default/5501244297217855240'/><link rel='alternate' type='text/html' href='http://homelessinsights.blogspot.com/2009/01/los-angeles-school-district-making-move.html' title='Los Angeles School District - Making a Move in Fighting Dropout Problems'/><author><name>Victor James</name><uri>http://www.blogger.com/profile/14618260183574106879</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='24' src='http://2.bp.blogspot.com/_aaMB0z1NNcY/SW196pd4D6I/AAAAAAAAAAM/5qaLLE4Cc_o/S220/Photo+34.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2914877054133490322.post-3281022884025452497</id><published>2008-12-08T21:30:00.000-08:00</published><updated>2008-12-08T21:32:25.546-08:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Homelessness'/><category scheme='http://www.blogger.com/atom/ns#' term='Foreclosure'/><title type='text'>Children Facing Foreclosure And Homelessness Beg Your Understanding!</title><content type='html'>&lt;strong&gt;Author: &lt;a title="Mike Payne" href="http://www.articlesbase.com/authors/mike-payne/20936.htm"&gt;Mike Payne&lt;/a&gt;&lt;/strong&gt;&lt;br /&gt;&lt;p&gt;It's just business, Kyle &amp; Kayle. We're sorry. We never intended for this to happen. Your parents will take good care of you. Homelessness is like camping out. You'll be okay. We want you to know, we are not in the business of stealing homes from children. It had to be this way.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Kim &amp; Joe M. of Orlando, FL, fell victim to the shrinking house market. Both worked in financial services, Kim an administrative assistant at Wells Fargo and Joe a loan officer with a bank.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;For five years, they stayed busy and saved money.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;In July 20005, Kim lost her job...downsized. Wells Fargo didn't need her any longer. Not as many mortgage applications. Kim's job search lasted three weeks before she found a replacement for 75% of what she had previously earned.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;In September, Joe suffered an auto accident, putting him out of work for six months and without an income as the insurance companies battled it out.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Kayle, 6, and Kyle, 8, knew something was wrong. Mom and Dad were preoccupied. Money was tight.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Kim and Joe and their two children quickly fell victim to bad luck and a slumping housing market. They fell behind in their mortgage payments on the same house in which they had lived for eight years. No irresponsible overspending here. No new BMWs; no Rolexes; no expensive vacations; no extravegence at all.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Joe got hurt...he couldn't work. Kim lost her job...she couldn't recover lost wages. Kyle and Kayle watched on...helpless.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;According to the American Banker's Association, most people have less than 3 month's worth of cash in reserve.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Despite eight years of perfect payment history, Kim and Joe's mortgage company refuses to work with them. They've received a Notice of Default.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;The foreclosure of your home can lead to the bank seizing your property, your cars, your stocks, your kid's college savings! Even the IRS can get involved with wage garnishment or levying your bank account. Kyle and Kayle watch on...helpless.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;The National Association of Mortgage Banker's (NAMB) records show that more mortgages go into foreclosure 3-5 years after issue than at any other time. Credit is trashed and families are scarred.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Children, the most innocent victims of unfortunate tragedy, watch on...helpless.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Kim &amp; Joe's horror will haunt them for life. More than 40% of borrowers took an adjustable mortgage in the past five years . Many of them have children.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Those "teaser" rates of 5% or less are set to explode their mortgage payments by 25-33% or higher when they adjust. In 2006, over $300 Billion dollars worth of mortgages will adjust with $1 trillion more in 2007, according to Freddie Mac, the secondary mortgage lender.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Homeowners are upside down...they have no equity. Some mortgage lenders, who shouldn't be in the real estate business, appear to want to take homes from Kyle and Kayle.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;They appear not to want to work out payment plans to help families victimized by bad luck and a slumping housing market.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Adding insult to tragic injury, Kyle &amp; Kayle learned about "deficiency judgment". The bank sold their home...the home where Kyle was born...the sale didn't cover the amount Kim &amp; Joe owed.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;The proceeds of the sale did not cover the total owed the bank, including legal fees, administrative fees, fee this, fee that.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;If the bank cannot recoup their deficiency from you, Kyle &amp; Kayle, and if your state will not allow a deficiency judgment, the lender will write the deficiency off on their taxes.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;However, kids, the pain doesn't stop there. Now the IRS may enter the picture. This "deficiency" amount not collected by the lender is considered money you owe.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;They will add it to your annual income and expect you to pay taxes on the total amount. This is business, Kyle &amp; Kayle. Nothing personal. You'll get over it, Kids.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;If your parents cannot pay, the IRS can come after everything you own, including your mom's &amp; dad's paychecks.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Kim &amp; Joe sought professional help as suggested. Kim &amp; Joe's lender chose not to help them save their home. Tragedy strikes not just once but repeatedly, oblivious to children.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;It's business. Real people with real children (scarred for life) lose their homes, get hit with a deficiency judgment &amp; meet the Gestapo (the IRS).&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;It's not just the irresponsible overspenders carelessly losing homes to foreclosure. Some are real people with real children.&lt;/p&gt;&lt;strong&gt;About the Author:&lt;/strong&gt;&lt;br /&gt;Realtor Mike Payne helps people with a home following the trauma of foreclosure @ &lt;a href="http://www.asolution4you.com/renttoown.html"&gt;Orlando Real Estate,Rent Florida&lt;/a&gt;. Learn credit repair secrets, tips &amp; strategies FREE at &lt;a href="http://www.fixmyuglycredit.com"&gt;Bad Credit Mortgage | Credit&lt;/a&gt;&lt;p&gt;Article Source: &lt;a href="http://www.articlesbase.com/business-articles/children-facing-foreclosure-and-homelessness-beg-your-understanding-141174.html" title="Children Facing Foreclosure And Homelessness Beg Your Understanding!"&gt;http://www.articlesbase.com/business-articles/children-facing-foreclosure-and-homelessness-beg-your-understanding-141174.html&lt;/a&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2914877054133490322-3281022884025452497?l=homelessinsights.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://homelessinsights.blogspot.com/feeds/3281022884025452497/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=2914877054133490322&amp;postID=3281022884025452497' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2914877054133490322/posts/default/3281022884025452497'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2914877054133490322/posts/default/3281022884025452497'/><link rel='alternate' type='text/html' href='http://homelessinsights.blogspot.com/2008/12/children-facing-foreclosure-and.html' title='Children Facing Foreclosure And Homelessness Beg Your Understanding!'/><author><name>Victor James</name><uri>http://www.blogger.com/profile/14618260183574106879</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='24' src='http://2.bp.blogspot.com/_aaMB0z1NNcY/SW196pd4D6I/AAAAAAAAAAM/5qaLLE4Cc_o/S220/Photo+34.jpg'/></author><thr:total>1</thr:total></entry></feed>
