Restraint is an easy word to use but, when mentioned to a newly graduated high school student who has just took ownership of his or her first credit card it is a very hard word for them to put into practice, unfortunately credit card companies make it only too easy for young people to amass a large mountain of debt very quickly. They unscrupulously make offers that seem quite attractive or lucrative to ensnare, what will be, their cash cow of many years to come.
Restraint, as I’ve already mentioned, must be instilled in our young people as it does not take too long at all for our credit cards to be charged to limit.
If the self control that was needed was not applied then unfortunately it will not be too long before the person is looking at a repayment figure that exceeds what he or she can afford. Once this point is reached there are various options one can take but by far the most commonly used route is the decision to consolidate credit card debt and any other debt into one manageable loan repayment.
The decision to consolidate credit card debt is considered a responsible move in handling your credit. It demonstrates that you are willing and concerned about meeting your obligations and clearing your financial debts. Consolidation of debt should be looked at quite differently from filing for bankruptcy in order to have your debts discharged. It is also a more beneficial than simply ignoring your debts in the unrealistic hope that they will somehow disappear.
Credit counselors are willing to assist people and are very easy to approach. They are experts in dealing with hard to manage debt, and in finding solutions to what may seem to many like insurmountable odds. The other benefit of good credit consolidation services is that they also educate the consumer on responsible use of credit, unfortunately though these services are only called upon when a problem exists, rather than right at the start where any potential problem could have been avoided with good information.
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Monday, September 28, 2009
Tuesday, September 15, 2009
School consolidation panel weighs its recommendation
From voting on voting, to deciding how to decide, a special panel of volunteers that will help decide whether to close at least one Vallejo school, seems to be running in place as the clock winds down toward decision time.
But does the work of this appointed school consolidation committee even matter?
The Vallejo City Unified School District board approved the committee's creation to recommend a school site or sites for closure in the 2010-11 school year. Shuttering at least one school is seen as just one way to help erase a projected district budget shortfall of more than $11 million.
The all-volunteer committee to help make this emotionally charged choice is diverse: Three employee union representatives, two principals, three parents, two business people and one former Vallejo student.
In the face of continued declining district enrollment and the looming deficit, district officials have said that at least one school closure is likely inevitable. But, at least to the committee, district officials have not closed the door on other options.
Other options may be one reason panel members have struggled to make significant progress after half their meetings. The emotional gravity of making such a controversial recommendation may also be weighing on panel members who may have taught, attended or worked at schools that are seemingly most vulnerable.
And, regardless of what they recommend, it's still unclear just how much influence they will have on the
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board, and ultimately State Administrator Richard Damelio, who has veto power over any choice.
District officials also have seemingly eliminated at least 10 schools from possible closure for various reasons, based partly on verbal commitments to the schools' staffs. Other reasons include practical ones, such as where district meals are prepared.
While all five elected school board members say they are remaining open and objective about which site or sites to close, Damelio said he has his own opinion of the final decision.
But does the work of this appointed school consolidation committee even matter?
The Vallejo City Unified School District board approved the committee's creation to recommend a school site or sites for closure in the 2010-11 school year. Shuttering at least one school is seen as just one way to help erase a projected district budget shortfall of more than $11 million.
The all-volunteer committee to help make this emotionally charged choice is diverse: Three employee union representatives, two principals, three parents, two business people and one former Vallejo student.
In the face of continued declining district enrollment and the looming deficit, district officials have said that at least one school closure is likely inevitable. But, at least to the committee, district officials have not closed the door on other options.
Other options may be one reason panel members have struggled to make significant progress after half their meetings. The emotional gravity of making such a controversial recommendation may also be weighing on panel members who may have taught, attended or worked at schools that are seemingly most vulnerable.
And, regardless of what they recommend, it's still unclear just how much influence they will have on the
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board, and ultimately State Administrator Richard Damelio, who has veto power over any choice.
District officials also have seemingly eliminated at least 10 schools from possible closure for various reasons, based partly on verbal commitments to the schools' staffs. Other reasons include practical ones, such as where district meals are prepared.
While all five elected school board members say they are remaining open and objective about which site or sites to close, Damelio said he has his own opinion of the final decision.
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