Advocating for Autism – An Overwhelming Success, or Is It?

For almost a half century those advocating for autism have seen

• Improved diagnostic procedures

• New medications

• Many new training tools for children

• Improved types of therapy

o Applied Behavioral Analysis

o Speech therapy

• Many states now provide improved education for special needs children

• Many states now require autism to be covered by insurance

With the autism incidence going from 1 in 10,000 in the early 1960s to 1 in 88 as recently reported by the CDC and projections of increasing at a rate of more than 20% per year, one would have to describe autism as a growth industry.

A good thing for service providers, but not good for the parents or children.

Unfortunately those advocating for autism have not seen

• The cause for autism being identified

• Tools developed for prediction of autism—before symptoms develop

• Tools developed for early intervention that will eliminate the risk of autism

• Any procedures for the prevention of autism

• Any treatments, medications, or therapies that will cure autism

Advocating for the Elimination of Autism – The Path to Greater Success

• First we need to know the cause – The major cause for autism is a poor diet; also, the greatest risk factor for children with autism.

• Then prediction will be possible – Research has shown predictions based upon fifteen environmental and dietary factors are accurate more than 95% of the time.

• With accurate prediction, most risks identified can be totally eliminated

• Proper early intervention will then prevent the development of autism symptoms

• With prevention, you will eliminate the epidemic of autism over time – No new cases

Success measured in this manner would show

• Fewer children having to experience growing up with these symptoms

• Elimination of the long wait for the first appointment

• Significant reductions in special needs children in our schools

• Significant reductions in the money spent for medical services

• Fewer families would be disrupted or broken up and would not experience the financial ruin often reported

This is a personal invitation to anyone who is or wants to advocate for autism. Please put some strings on your advocacy so that any monies or support goes toward the cause, prevention, and ultimately the elimination of autism. Autism has been extensively researched since 1960 and they have not yet identified the cause! After all, it was only 1903 that man was first able to fly but only sixty-six years later man walked on the moon. When using volunteers and taxpayer monies I believe the effort should be to help the children and their families rather than growing the business of autism.

Decision By Regulators May Have Big Impact On Mortgage Rates And Products

A decision by government regulators on an obscure issue next month could have a big impact on mortgage rates and home loan products available to borrowers.

Under the Dodd-Frank Act that overhauls regulation of the country’s financial system, mortgage lenders must share losses on their loans. But if their mortgages are deemed safer “qualified residential mortgages” they don’t have to have their skin in the game.

Mortgage products that don’t fall into the qualified residential mortgage category will probably have higher mortgage rates and tougher qualification standards for borrowers.

Congress, which typically doesn’t get into the details of the laws it makes, didn’t define a qualified residential mortgage. Instead, it left it up to regulators, who are now grappling with the issue.

Regulators, expected to reach a decision next month, have been getting an earful from lenders, investors and housing advocates on how to define qualified residential mortgages. Most groups agree to exclude the riskiest mortgage product like negative amortization loans, but beyond that, they disagree on what to call a safe mortgage.

Regulators have a lot to think about. Take down payment amounts, for instance. A recent article by MarketWatch says large banks want a large down payment requirement of 30 or 20 percent. Small banks want a small down payment requirement of about 5 percent, and housing advocates want to allow even smaller down payments of 3 percent.

Credit scores, income to debt ratios, length of employment, and the amount of documentation are some other factors to consider.

Depending on the regulators’ ruling, many mortgage products or just a few will be defined as qualified mortgages and be exempted from risk sharing requirement. Criteria that are too strict will risk barring many borrowers from low mortgage rates, but if guidelines are too loose lenders might be free to again make risky loans.

When the real estate market bubble was building, some mortgage lenders gave risky, exotic home loans to borrowers, then bundled the mortgages into bonds that were sold to investors who took the hit when borrowers defaulted. The theory is that lenders will be more cautious about making riskier loans if they retain part of the risk, or have skin in the game.

In addition to bank regulators, the Treasury Department, the new Financial Stability Oversight Council and the new Consumer Financial Protection Bureau will be involved in creating the rule.

Best Convertible Car Seat – Britax Advocate 70 CS Convertible Car Seat

Trying to find the best convertible car seat for your child? I will share with you some important information about the Britax Advocate 70 CS Convertible Car Seat. When your child is ready to move out of a starter seat and into something bigger, you should be buying the best convertible car seat out there. You should be looking for the best safety rated seat, and for a seat that gets great reviews from sites such as Amazon.

Side impact collisions can be the most dangerous type of collisions and Britax is especially concerned about these type of impacts. The Britax Advocate 70 CS Convertible has built in energy absorbing crash pads built in to the seat on both sides which will minimize the potential injuries and shield your children as well as can be in the event of an accident.. Another feature that makes the Britax the best is the Versa tether feature which makes it stay very safe, stable and keeps it in place securely.

Britax has a reputation of safety, probably more so than any other manufacturer in this industry. Safety is what they are known for. If you are going to spend your money on a product, you might as well buy the best that you can buy.

Children also find that the Britax car seats happens to be very comfortable. Comfort and protection is what it is all about. It is fairly easy to install in your vehicle. With that in mind, if you are planning on moving it from car to car, it can be a bit inconvenient as it is big and somewhat heavy. That is due to the fact that it is built for safety.

There are a few other models of Britax that are also very good. To read reviews about all of these different models, and to find the best online prices on these car seats,