3월 30일 (월) Unwary College Kids Can Be Buried Under Credit Card Debt

Unwary College Kids Can Be Buried Under Credit Card Debt DEAR ABBY: I"m writing to raise awareness about a serious and widespread problem - student credit card debt. Young adults, who are often "credit card illiterate," are inundated with credit card offers once they set foot on college campuses. Parents need to understand that their college-bound teens will be able to obtain multiple credit cards even if they have no prior credit history, no employment and no co-signer. Many student then face life-altering consequences because of excessive credit card debt, such as dropping out of school, defaulting on school loans, or graduating with a poor credit rating or looming bankruptcy. Credit card debt can also Cause Psychological depression and contribute to lower GPAs and increased substance abuse. It is vital that parents educate their children about responsible credit card use before they leave for college. Financial literacy should also be taught in high schools so that young adults fully understand the costs of credit and the consequences of irresponsible credit card use. Students who graduate with poor credit ratings are likely to have difficulty renting apartments and receiving competitive-rate loans. They may even have limited employment opportunities. Thank you for sharing this important information with your readers. 1.What do you think that university student use the credit card? 2.Have you ever heard about the problem related credit card from TV? Let me tell you some story related to this. 3.Do you have (any) credit cards? How many? 4.What do you mainly spend on with a credit card?   firms face up to internet abuse Abuse of the internet is now a major headache for UK employers, according to a new study on the growing problem. The survey found that almost a third of companies had dealt with up to five disciplinary cases in the last year. A further 5% of the firms questioned by human resources guide LexisNexis Industrial Relations Services reported more than six incidents. Disciplinary action is now common for infractions, which range from sending rude emails to viewing pornography. Misuse The new survey follows after a number of recent high profile cases of internet misuse. Back in September 2000, mobile phone network Orange admitted it had sacked 40 members of staff for the "distribution of inappropriate material". Employers are just getting to grips with it now, and many employees are not taking it seriously enough Mark Crail, LexisNexis IRS Employers were also sacked or disciplined at insurance company Royal and SunAlliance, and bank Merrill Lynch, following the distribution of pornographic images and emails. Mark Crail, managing editor of LexisNexis IRS's Employment Review publication, said the issue was a continuing headache. "Employers are just getting to grips with it now, and many employees are not taking it seriously enough," he said. "Companies can block access to inappropriate web sites using sophisticated screening software, but many try to address this issue through employment policies instead." Blocking Mr Crail said that in addition to blocking access to certain websites, employers could insist their staff adapt the same level of formality in external emails as they would use in a writing a letter. However, new laws addressing the computer rights of workers have added to the problem for companies, added Mr Crail. He said the recent legislation has forced firms to strenthen their codes of conduct to make exactly clear which internet and email activies are off-limits. More and more firms are also introducing email filtering software, which can block messages that contain inappropriate words or images. Weakest link Alyn Hockey, director of research at Reading-based Clearswift, one such company which offers email filtering systems, said: "Security is not just about protecting yourself from spam and viruses, as employees are often the weakest link." The LexisNexis survey spoke to 63 UK firms with a total of 97,000 employees. 1. Is it justifiable that employees use the internet for personal reasons at work ? 2. The ceo of your company has been secretly monitoring you and your computer by using a monitoring software without your approval. What"s your reaction to this ? 3. some say that as long as you get paid, you"d better be ready to get your privacy and dignity violated