StudyBays.Me — Perhaps there is no longer any need and justification for the use of textbooks in schools?

The alarming fact is that almost every tenth respondent is currently repaying loan installments and loans beyond the capacity of his household. Andrzej Komorowski, the mediator and adviser in the field of social crises comments — «With debts and their repayment is like love. Its first law is that to give love, you must have it. To borrow long, so you have to have something to pay them back. So you can not incur debt over the limit of your credit worthiness. They know clearly that the public about the high financial knowledge derived from Western Europe, where it is firmly rooted ethos of honor. «The financial problems — family life is a dynamic financial Poles — we fall into debt, but we try to actively find a way out of the situation. Even if you do not know how to do it, we are open to advice and suggestions. The vast majority of respondents declare actively seeking solution to the financial problems. People with whom we share most of these problems, the closest family members and friends (16% of responses). 71% of respondents would say spouse or partner about their financial difficulties. Zwierzyłaby half of this close family, and every fourth — friends. This does not mean, however, that in this way the Poles are calm and optimism — the debt situation is equally common way of thinking about problems and worrying. «Negative emotions accompanying financial problems is a normal thing. Problems with debt after they have an impact on all our lives, «- says Piotr Krupa, CEO of KRUK SA the largest Polish debt collection company. — «It should be a break and look for contact with the creditor or debt collection company that supports our debt. Together we have to find a favorable solution. Only in this way we give ourselves a chance on getting out of debt. » Long life and the age of the loan, and its consequences fall in long endure more younger people, for which the topic of debt is not as widely shameful matter. 64% of people aged 18-29 would admit to having debts. This percentage decreases with age. Among people aged 50 and over only 40% of zwierzyłoby held debt, even close family. Andrzej Komorowski explains — «Poland with multiple reasons have a significant indicator of reliance on the socio — economic persons 35 years of age. Reasons include past events related to the lack of housing (which meant adult children living in one household with parents), as well as long-term stay at universities located in or near the places where the parents live. Although these people are trying to work, often in parallel to learn, but enjoy significant support from the social-service and financial parents. At the same time they have a need to awaken and are not schooled in the ethos of working for yourself and do not benefit from the support of parents. Therefore incur long carelessly, hoping to help the family. Often, even adult children living separately and sometimes already in relationships and with their own children continue to enjoy financial support from their parents, even pensioners. As for the elderly, it is around the world, there is a tendency among homogeneous them occurring even if they are wealthy. Broking present attitudes and a more prudent. This is due to both life experience and the typical age of fear and risk of the unknown. «Low salaries are higher probability of debt as the main causes of the financial problems of the Poles indicate too low wages. It does not allow to pay for the basic needs of the type of food, or flat (as indicated by 71% of respondents), job loss (46%) and light-heartedness and living beyond their means (43%). «In Poland, culturally conditioned by the customs is waiting for a miracle,» manna from heaven «makes the attitude of» it will be somehow «,» a miracle happens and fix everything. » This applies particularly to people with low education and addictive increased syndrome (example zakupomania). «- adds Andrzej Komorowski. «Such people are often victims of their own carelessness. These people hide their debt well before the next. When it will, flee to the so-called. psychowycofanie that manifested physical disease or depression. Then their relatives frequently pay for their debts immediately or in negotiated mode, eg. With shame for loved ones, as well as willingness to release them from the problem. «What do we know about the recovery? Poles are not sure how to react in the event of receiving a letter from a debt collection agency. 30% of respondents declare that in case of receiving such a letter does not engage in the contact because of fear or shame, and 22% would act in this way because of impunity. Every fourth respondent (25%) believe that the recipient of the correspondence immediately call a given number, and every fifth (20%), it seems that the decision is made after consultation with family and friends. The survey also asked about the Poles’ knowledge about the registers of debtors (Credit Information Bureau). One third of the respondents declare that they do not know how the information bureau (although the overwhelming majority of them had heard of its existence). Almost 40% of respondents know that the debtors entered in the register is the person in debt, and access to data to different companies, but only until the repayment of the debt. Every fifth respondent believes that BIG goes even for a trivial reason, but it has serious and permanent consequences, eg. Cut off from the possibility of obtaining a loan. Only one in a hundred of those surveyed believe that the person niespłacająca debts will not suffer any consequences, and 4% think that the repercussions can be avoided by not responding to letters and phone calls. One third of the respondents believe that although the consequences can be avoided, it is only for a time. Most respondents see a number of possible unpleasant consequences of unsettled financial obligations and believes that they can not be avoided. The most serious consequences (loss of home or car, going to jail) often expect the youngest respondents. «We know that people usually do not pay their debts because they have no money. In fall into financial difficulties as a result of life, usually unforeseen events. This is why for several years we are trying to educate Poles. Last communicate with the television. We repeat that contracting debt is a normal thing in the economy. The main thing is to borrow a well thought out and know how to cope in a situation where debt exceeds our income, «- says Piotr Krupa. — «If I had something to manage those debts, I would say: us seek help from experts, because they are ready and proven and beneficial solutions. Nawiążmy contact with a debt collection company and negocjujmy repayment terms. Often, we can offer installment, so that gradually we will be able to pay off our debt. «(Source: Kruk, PRNews) / ** / jQuery (document) .ready (function ($) {jac_init ();}); var JACommentConfig = {jac_base_url: ‘/ component / jacomment /’ SITEURL: ‘/ component / jacomment /? tmpl = component & view = comments’, minLengthComment: ’10’, errorMinLength: ‘Your comment is too short.’, maxLengthComment: ‘5000’ , errorMaxLength: ‘Your comment is too long.’ isEnableAutoexpanding: ‘1’, dateASC ‘recent comments at the studybay top’, dateDESC ‘Latest comment in bottom’, votedASC: ‘Most voted on top’, votedDESC: ‘Most voted in bottom ‘, strLogin’ Login ‘isEnableBBCode’ 1 ‘isEnableCharacterCounter’ 0 ‘, isEnableLocationDetection’ 0 ‘, commentFormPosition’ 1 ‘hdCurrentComment: 0, contentoption’ com_content ‘, ContentID’ 1705 ‘ , commenttype ‘1’ jacomentUr l ‘https://www.edunews.pl/edukacja-na-co-dzien/edukacja-konsumencka/1705-edukacja-dla-zadluzonych’ contenttitle ‘Education for debtor’ hidInputComment: «You must input comment. ‘hidInputWordInComment:’ The words are too long you should add more spaces between them ‘, hidEndEditText:’ Please exit spell check before Submitting comment ‘, hidInputName:’ you must input name ‘, hidInputEmail:’ you must input email ‘, hidValidEmail ‘Your email is invalid’, hidAgreeToAbide: ‘You must agree that abide by the website rules’ hidInputCaptcha: ‘You must input the captcha’, textQuoting ‘Quoting’ textQuote ‘Quote’, textPosting ‘Posting’, textReply ‘Reply comment’, textCheckSpelling ‘No writing errors’, mesExpandForm ‘(+) Click to Expand’ mesCollapseForm ‘(-) Click to Collapse’ theme ‘default’, txtCopiedDecode ‘Copied DCode’}; / ** / / ** / / ** // ** / / ** / / ** / / ** / / ** / function open_youtube (id) {jacCreatForm ( ‘open_youtube’, id, 400,200,0, 0, ‘Embed a YouTube video’, 0, ‘Embed video’); } / ** / / ** / window.addEvent ( «load» function () {var url = window.location.hash; c_url = url.split ( ‘#’); d = 0; tmp = 0; if (c_url.length> = 1) {for (i = 1; i -1) {tmp = c_url [i]. split ( ‘:’) [1]; if (tmp! = «») {id = parseInt (tmp, 10);}}}} url = «? tmpl = component & option = com_jacomment & view = comments & contentoption = com_content & ContentID = 1705 & wound = 855198590» ; if (d! = 0) {url + = «& currentCommentID =» + id;} var req = new Request ({method: ‘get’, uRL url onComplete: function (text) {$ jacJQuery = jQuery; $ jacJQuery ( ‘# Jac-wrapper’). html ($ jacJQuery ( ‘# Jac-wrapper’). html () + text); moveBackground (id ‘https://edunews.pl/’); jac_auto_expand_textarea (); jacJQuery $ ( ‘# jac-wrapper-.conversation avatar’). tooltip (); jacJQuery $ ( ‘# jac-wrapper and #jacTab: last’). it ( ‘shown’, f unction (e) {displayVotedComments ( ‘com_content’, ‘1705’); }); }}.) Send (); }); / ** / The discussion, which swept through the Polish media recently in relation to the Digital School project and the idea of ​​a free e-books, missed one important, perhaps even more important than the other thread that in today’s digital world is of particular importance. Perhaps there is no longer any need and justification for the use of textbooks in schools? It seems that the growing popularity of the concept of «reverse-school» and / or Incremental fast-paced digital educational resources (also in Polish) will make less and less you’ll want to use textbooks, regardless of whether they have the suffix «e». More and more teachers goes against the current, stamped education. At the same time benefit from multiple sources of printed and digital resources available on the internet without paying for one or textbook publishing. Exchange with colleagues experiences, peeps, combine to form. Sami collect various content and exercises, invent different activities developing his unique workshop. This of course requires more effort from them work — even time to prepare materials. But they do not go the easy way, also retain the flexibility in the assessment of educational needs of students. Evaluate what is important and what does not make sense. How many heroes we have in the Polish schools? As if to reflect more deeply on the meaning of existence in the school textbook — it is a tool that serves mainly the stock (or linear, or «like clockwork») implementing the curriculum. Is not it restricts the teachers themselves? Since the new core curriculum teacher received the freedom of the program according to your own preferences, you may need courage to say — is history textbooks? Perhaps the Ministry of Education should boldly say — no need to use textbooks, if there are other resources and tools, so you can learn well and efficiently? «Textbooks are limited teachers.» — says Collette Marie Bennett, an American teacher, speaking on the pages of Education Week on textbooks. «Students need a twenty-first century books but not textbooks» — he argues. «They change curriculum standards, assessment, learning methods. Behind this are not able to keep up with textbooks. «Bennett notes practices that probably happen in an environment of teachers in each country. An increasing number of source texts are available in the public domain (eg in Poland. See Slow Reading). Teachers reloads on various servers created by self study, exercises, tests, educational tools. On different platforms exchange knowledge and ideas for lessons. They form the basis for the new working environment teacher and student, which is based almost exclusively on a distributed network of digital resources. How can the future look like educational resources? It seems that the future has already arrived, and pushes more and more. On the Internet, we have a wealth of educational content that already with great success, teachers can use to teach foreign languages ​​(especially English, German or Spanish). But multiply rapidly — also thanks to educational publishers — resources for teaching science and humanities, and even without the need for manual. Map digital educational resources we have, therefore, not a single template textbook, but with great and endless mosaic of countless elements arranged. Surely we must learn to use it (both teachers and students). Open question at the end: it can in the Digital School in general should withdraw from the creation of free e-books, and in return provide more diverse and free e-learning resources? Are books / e-books is only a relic of the past? (Note about the author: Marcin Polak is the creator and editor of Edunews.pl, is engaged in education and social communication, implementing social projects and commercial nationwide and international) / ** / jQuery (document) .ready (function ($) { jac_init ();}); var JACommentConfig = {jac_base_url: ‘/ component / jacomment /’ SITEURL: ‘/ component / jacomment /? tmpl = component & view = comments’, minLengthComment:’ 10 ‘, errorMinLength:’ Your comment is too short. ‘, maxLengthComment’ 5000 ‘, errorMaxLength:’ Your comment is too long. ‘isEnableAutoexpanding:’ 1 ‘, dateASC’ recent comments at the top ‘, dateDESC’ Latest comment in bottom ‘, votedASC:’ Most voted on top ‘, votedDESC’ Most voted in bottom ‘, strLogin:’ Login ‘, isEnableBBCode:’ 1 ‘, isEnableCharacterCounter:’ 0 ‘, isEnableLocationDetection:’ 0 ‘, commentFormPosition:’ 1 ‘, hdCurrentComment: 0, contentoption’ com_content ‘ContentID’ 1982 ‘, commenttype:’ 1 ‘, jacomentUrl’ https://edunews.pl/edytoriale/1982-czy-podreczniki-sa-w-szkolach-potrzebne ‘contenttitle:’ are textbooks are needed in schools? ‘, hidInputComment ‘You must input comment.’, hidInputWordIn Comment: ‘The words are too long you should add more spaces between them’, hidEndEditText: ‘Please exit spell check before Submitting comment’, hidInputName: ‘You must input name’, hidInputEmail: ‘You must input email’, hidValidEmail ‘ your email is invalid ‘, hidAgreeToAbide:’ You must agree that abide by the website rules ‘hidInputCaptcha:’ You must input the captcha ‘, textQuoting’ Quoting ‘textQuote’ Quote ‘, textPosting’ Posting ‘, textReply’ reply comment ‘, textCheckSpelling’ No writing errors’, mesExpandForm ‘(+) is a Click Expand’ mesCollapseForm ‘(-) Click to Collapse’ theme ‘default’, txtCopiedDecode ‘Copied DCode’}; / ** / / ** / / ** // ** / / ** / / ** / / ** / / ** / function open_youtube (id) {jacCreatForm ( ‘open_youtube’, id, 400,200,0, 0, ‘Embed a YouTube video’, 0, ‘Embed video’); } / ** / / ** / window.addEvent ( «load» function () {var url = window.location.hash; c_url = url.split ( ‘#’); d = 0; tmp = 0; if (c_url.length> = 1) {for (i = 1; i -1) {tmp = c_url [i].

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