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Your first thought may be to approach your bank for a debt consolidation. If you qualify, banks will often recommend a personal line of credit or a large credit card to consolidate your debt. The interest could range anywhere from 7% to 25%. The problem with this type of debt consolidation loan is that your budget may only have room to manage the minimum payment. If you don’t have the income to make massive lump sum payments,[link widoczny dla zalogowanych], this type of debt consolidation loan may prove to be very difficult to pay off. Banks will usually calculate your minimum payment based on 1% to 3% of your balance, which usually only covers interest. If you get into the habit of only making minimum monthly payments,[link widoczny dla zalogowanych], you will see no end to your debt.
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Chinese educational authorities have moved to further regulate teachers’ conduct, vowing to punish those who use corporal punishment, molest students, accept bribes or earn additional money by giving lectures outside school.
A draft document issued by the Ministry of Education yesterday to solicit public opinion before December 18 specifies a code of conduct for primary and middle school teachers.
The 10 offenses for which teachers will face punishment are: comments or actions against Party and state policies; refusing to take care of students’ safety in emergencies; treating students unfairly; cheating or seeking personal gain in student enrolment, teaching assessment, promotion or academic studies; using corporal punishment; humiliating or discriminating against students; molesting students; accepting bribes; seeking profits by forcing students to buy teaching materials; and giving paid lectures outside school.