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Debt culture: Should credit cards have warning labels?
Credit cards are in our daily routine and day by day they increase their role in our life.
In the last ten years we saw effects of over debt in both family, enterprise and country.
Most of people that pay by credit card don't really feel as they had spent money, so they keep spending money that they had not earned yet.
I mean credit cards are not evil and I'm not against them but nobody has taught how to use them and how they work.
When we subscribe a new credit card they give us the terms and conditions but how many read all of that? How many really understand what's on that?
I think that the same way schools teach real life subject, like sex education, they have to teach credit card use, dos and don'ts.
How many people use credit cards with fixed monthly payments taking no care about how high are their total debt? Knowing how to take care about your debt could tell you when it would be better getting a personal loan with a lower APR.
I think that should be helpful for families if credit card companies were in duty bound to write pro and con at same size and page but main problem is the lack of education about them.
It should be a sort of "credit licence" a so odd idea?
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Debt culture: Should credit cards have warning labels?
Credit cards are in our daily routine and day by day they increase their role in our life.
In the last ten years we saw effects of over debt in both family, enterprise and country.
Most of people that pay by credit card don't really feel as they had spent money, so they keep spending money that they had not earned yet.
I mean credit cards are not evil and I'm not against them but nobody has taught how to use them and how they work.
When we subscribe a new credit card they give us the terms and conditions but how many read all of that? How many really understand what's on that?
I think that the same way schools teach real life subject, like sex education, they have to teach credit card use, dos and don'ts.
How many people use credit cards with fixed monthly payments taking no care about how high are their total debt? Knowing how to take care about your debt could tell you when it would be better getting a personal loan with a lower APR.
I think that should be helpful for families if credit card companies were in duty bound to write pro and con at same size and page but main problem is the lack of education about them.
It should be a sort of "credit licence" a so odd idea?
0
0
Should military service be compulsory?
Military service has been compulsory until ten years ago (in Italy).
Most people thought and probably still think that it was just a way to waste one year of their life.
People said that it was just a one year stop between graduation and job. I think that as long as any man had to do it there were no differences in job career.
For sure that year gave everybody a kind of education that we have lost: discipline and patriotism.
Compulsory military service would be provided, in different way, also for people against guns, they served for local governament office helping for everyday services provided to citiziens.
I think that nobody could complain about just one year spent on those duties.
The only reason I ever heard to take it off was about the waste of time. In this economic cycle there are a lot of people that have problem to find a job so they are going to loose nothing. An easy way to keep it would be splitting the year of military service in several "one month camp" during college and university stops.
In conclusion I think it was a really good thing for both people and country and it would be better restore it.
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Should schools offer fast food options like McDonald’s or Taco Bell?
Food options at school is a trouble matter and many people often thinks is a judge on them.
I don't know food options in US schools but what I saw in Jamie Oliver TV show.
In Italy offering fast food options in schools shouldn't be possible becouse of both healthy ministry and our culinary heritage.
Probably my believings are strictly connected with my Italianness, but I could barely imagine kids let be choise between healthy food and junk food.
I think food education is really important to keep our child healty along their life.
Food education should come from school, helping people understand how much the way we eat affect our body and determine the disease we have.
I'm not against fast food and street food, I like it, but I know they can't be the main part of my alimentation.
Kids need parents and teacher tell them and give them what is better for them. Spoile kids every day with fried and sweets it's not a good way to well eucate them.
Introducing fast food company in schools is like selling our child health with the hope of few dollars saved on school rates.
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Should students have to wear uniforms?
Students uniforms had been troubling matter through generations, we had cycle in prevalent opinion.
I think that it's not possible answer the question giving a right question. I could analize pros and cons and than each one of us could take his own choice based on what he thinks be more valuable.
Main pros about wearing uniforms are about being all alike and avoiding class differencies between kids, children could be very mean, wearing all the same clothes could avoid many bad jokes against not well suited kids. In order to understand the big value society give to appaerance and how people are weared it could help them when growed up at work.
Cons related with wearing uniform are about the limit you impose to developing kids and their crativity, it's possible to confutate the pros about helping poorest family noticing that poorest kids will wear clothes much more used and there will be a difference in appareance again.
I think that it could be very useful specialy when they are really young kids, they don't care much what they wear and you don't have to waste too much effort in buying clothes they'll destroy in few weeks.
Again it could be useful at University, probably depends on the major, to understand the real value to look suitable for your role.
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Explaing my Job
Explaining my job is never easy for me because there is no way to translate my job in Italy in English getting around long explenation.
In Italy my title is "Dottore Commercialista", looking for it in a dictionary you can find as a translation "Chartered Accountant", at least not wrong at all.
To become a "Dottore Commercialista" you need to be experienced (at least three years) and pass several exams and you are really chartered, but we are not just accountant.
Accountancy for this job is like basement is for building, you can't avoid it but there are much more.
For example a "Dottore Commercialista" supply services around tax matter like tax advice, tax opinion, tax planning and tax litigation. Other services supplied by a "Dottore Commercialista" are related with company law and business like business survey and estabilish a new company.
There are a lot of other services that could be supplied of course.
In conclusion the role include the skills of an accountant (as said before), a tax attorney and a corporate lawyer in one professional.
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