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PUBLISHED : Friday, 25 May, 2007, 12:00am
UPDATED : Friday, 25 May, 2007, 12:00am

The pros and cons of credit cards

Credit cards are a great invention.

Having a credit card is a good way for students to learn to manage their money.

As credit cards have spending limits and monthly payment limits, they can control our expenditure.

Students are not given a very high limit, so they cannot buy things they can't afford.

Credit cards are convenient. They can be used in all sorts of shops. They are easier to carry than cash.

But credit cards can be dangerous. Using credit cards might lead to compulsive shopping which could leave students in serious debt.

Spending limits might also exceed the amount students can really afford.

When students fall into debt, their parents often have to help them. This might affect their relationship with their parents.

While they are useful, credit cards can be dangerous for students. They should wait until they are earning enough money.

Kayo Mok

TWGH Mrs Wu York Yu

Memorial College

Don't do anything you'll regret

Have you ever done something you later regretted?

In Primary Six, I treated my friend very badly. She couldn't forgive me. I really regret losing this friend. But I can't do anything to change the situation.

Even now, I can't forget this friend. She was my best friend. I'm really sorry for the way I treated her.

Think before you act. You could do something you will regret all your life.

You must treasure everything and everyone around you. Your friends and family are important to you. You should value the time with them.

Jenny Tsui

STFA Tam Pak Yu College

Appreciate every moment you have

Nothing is more precious than life. We should treasure every moment.

Some people die of old age and illnesses, but many commit suicide or die from drug abuse. These people don't care about their lives.

Many students spend their time at school complaining. They feel they have too much work.

But time flies. When we leave school, we will miss it.

We should fill our days with activities. We should enjoy learning, and spend quality time with people who are important to us.

Make your life memorable.

Ip Wing-shuen

Our Lady of the Rosary College

Add colour to your canvas

When we are born, our life is like a blank piece of paper. We need to paint a beautiful picture onto it.

How can we make our life colourful? It's simple.

First of all, we should treasure our time. We should not waste time, but spend it doing meaningful things.

Secondly, we should try to learn as much as we can. With knowledge, we can communicate with different people and broaden our horizons.

If we have time, we should do voluntary work to help others. The satisfaction of helping other people is indescribable.

These are all ways to change our white paper into a beautiful scene.

Cherie Tang Chor-kiu

Tsuen Wan Public Ho Chuen

Yiu Memorial College

More to life than exams and school

At 11.30am, we heard the announcement: 'Time's up, put down your pen.'

The end of my A-Levels had arrived. A feeling of calm and relief filled the hall.

When we put down our pens, we put down our stress as well.

But after the relief, we started wondering what to do with our time. I realised I had become accustomed to a life focused on study.

I realised I had lost sight of my life goals - to do the best at everything in life and enjoy myself too. All I focused on was my exams.

As I finished my exams, I felt lost. I worried about my future: whether I will get a place in university, on the course I want.

But after a few minutes, I remembered a Chinese saying: 'Just look at the road you're walking on'.

We want to enjoy the view from the top of the hill, but we don't expect to enjoy the climb.

Why don't we just look at the road that we are walking on, and enjoy what's going on around us?

If we don't notice what's going on, we might miss something wonderful.

The future is important, but worrying about it is pointless. There's more to life than exams and study.

We'll all reach our destination, but for now, find something new to do and enjoy the journey.

Gigi Lam

STFA Cheng Yu Tung

Secondary School

Let only the truly poor benefit

I'm writing to express my views on homeless people in Hong Kong.

Based on international standards, a person with an income of under US$200 per month can be defined as living under the poverty line.

Hong Kong is a busy and developed city. Yet according to research of the Census and Statistics Department, one-sixth of Hongkongers live below the poverty line.

This really shouldn't be the case.

The government provides a variety of benefits for the underprivileged.

Many graduates who say they cannot find a job and adolescents who are capable of working apply for government subsidies.

Instead of job-hunting, these young people waste their time sitting in parks.

Some homeless people are responsible for the life they lead. Some have acted irresponsibly, such as compulsive gamblers who had to give up their flats to pay off debts.

Such a lack of responsibility does not deserve pity.

Of course, there are many people who are genuinely poor. To help them, we can donate money to charities which provide food and accommodation.

But those who are capable of making money should try harder.

Leave the government benefits for those who truly need them.

Jeannie Wong

Bathroom bother

I'm writing to suggest more toilets should be built in public places.

Last Sunday, after watching a three-hour film in Hollywood Plaza in Diamond Hill, I needed the toilet.

However, there was a long queue for all toilets on every floor of the mall.

In Hong Kong, public areas such shopping centres are always crowded, especially on public holidays and at the weekend.

But despite the crowds, there is often only one bathroom on each floor.

What's worse is that there are no toilets in MTR stations. It's hard for people with a long journey.

More public bathrooms are needed in the city. Women need more time in the bathroom, so I suggest that the ratio of female to male toilets be increased to 2:1.

I hope the authorities will do something to solve this problem.

Debbie Yau

Hang Seng School of Commerce


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