Actually, the best thing to do to be able to build your financial credibility is to live simply.

By living simply, means you get to pay your bills on time , buy what you only need and be able to save some for your future or a big want like a car.

Indeed, paying ahead of the deadline would create an image to the credit company that you are a good payor. Even without asking for an additional credit limit, they will keep calling you to avail of their low interest loan.

Why should you take the loan on the first place, when you have no need for it.

So, better yet, never entertain them, lest your debt will increase if you take them being enticed by the little interest.

Indeed before that is the term @Ruby. I didn’t know that it’s now called intellectual disability.

That is good, because those previous term is a somewhat demeaning.

It’s good also that you explained how come Carla was born with intellectual disability.

I am happy to know Carla had joined those that showcased her talents and abilities and we saw her on TV when she joined one. 🙂

Hi, and really amazing points you wrote there, and sorry that most of my posts and comments have but, it is not everywhere called that way, and there is nothing wrong to be called in the old name mental retardation, why? some of these people have intelligent that is more than normal people who are not labeled that way

The change in terminology is quite good because it is less hurting for the person affected or to the parents. It is good society had come to accept and understand their situations well. There are special schools for them to help them cope and have a social life.

Hello Ruby? And finally I am able to catch up a blog from you. This day I brought my lap top to school to do inputting of scores to the school’s system, so here I am so impressed about your very nice and informative blog.My salute on this for you are presenting here many things like how MR was previously called and changed to wave the incapacity and reputation of the family if having a special child. Yes, you are right, that there are many institutions this time that cater the need of the special children and children with impaired physical properties especially the mental disability. They need care so they will know how to feel love and care.

Take care and congrats.

@ trees and moons

in the Special Education Program of our Department of Education, if possible we should not use the word ‘mental retardation’ anymore but rather the term ‘intellectual disability’.