Why don't schools teach children about taxes and bills and things that they will definitely need to know as adults to get by in life?

Departments of education and school districts always have to make decisions about what to include in their curriculum. There are a lot of life skills that people need that aren't taught in school. The question is should those skills be taught in schools?I teach high school, so I'll talk about that. The typical high school curriculum is supposed to give students a broad-based education that prepares them to be citizens in a democracy and to be able to think critically. For a democracy to work, we need educated, discerning citizens with the ability to make good decisions based on evidence and objective thought. In theory, people who are well informed about history, culture, science, mathematics, etc., and are capable of critical, unbiased thinking, will have the tools to participate in a democracy and make good decisions for themselves and for society at large. In addition to that, they should be learning how to be learners, how to do effective, basic research, and collaborate with other people. If that happens, figuring out how to do procedural tasks in real life should not provide much of a challenge. We can't possibly teach every necessary life skill people need, but we can help students become better at knowing how to acquire the skills they need. Should we teach them how to change a tire when they can easily consult a book or search the internet to find step by step instructions for that? Should we teach them how to balance a check book or teach them how to think mathematically and make sense of problems so that the simple task of balancing a check book (which requires simple arithmetic and the ability to enter numbers and words in columns and rows in obvious ways) is easy for them to figure out. If we teach them to be good at critical thinking and have some problem solving skills they will be able to apply those overarching skills to all sorts of every day tasks that shouldn't be difficult for someone with decent cognitive ability to figure out. It's analogous to asking why a culinary school didn't teach its students the steps and ingredients to a specific recipe. The school taught them about more general food preparation and food science skills so that they can figure out how to make a lot of specific recipes without much trouble. They're also able to create their own recipes.So, do we want citizens with very specific skill sets that they need to get through day to day life or do we want citizens with critical thinking, problem solving, and other overarching cognitive skills that will allow them to easily acquire ANY simple, procedural skill they may come to need at any point in their lives?

How do I respond to a request for a restraining order? Do I need to fill out a form?

As asked of me specifically;The others are right, you will likely need a lawyer. But to answer your question, there is a response form to respond to a restraining order or order of protection. Worst case the form is available at the courthouse where your hearing is set to be heard in, typically at the appropriate clerk's window, which may vary, so ask any of the clerk's when you get there.You only have so many days to respond, and it will specify in the paperwork.You will also have to appear in court on the date your hearing is scheduled.Most courts have a department that will help you respond to forms at no cost. I figure you are asking because you can't afford an attorney which is completely understandable.The problem is that if you aren't represented and the other person is successful in getting a temporary restraining order made permanent in the hearing you will not be allowed at any of the places the petitioner goes, without risking arrest.I hope this helps.Not given as legal advice-

Do I need to fill out a financial statement form if I get a full tuition waiver and RA/TA?

If that is necessary, the university or the faculty will inform you of that. These things can vary from university to university. Your best option would be to check your university website, financial services office or the Bursar office in your university.

How do I find out if the executor of my father's will changed the life insurance policy to name her and not the estates beneficiary?

First, only the owner of a life insurance policy may change anything on the insurance policy. If you contact the carrier they will ONLY talk with the owner. Step 1: Find the policy number of the insurance policy. Step 2: Call the insurance company and go as far as they will allow you by asking about the policy/owner. If you’re not the owner this will be your dead end on the phone. Step 3: Ask the executor what has been done. If this is not an option then know that the owner/beneficiary must prove insurable interest to become beneficiary on a policy. Hope this helps.UPVOTE, comment, go to my website Kent Sawyers and subscribe to my Youtube channel Financial Advice-Kent Sawyers.Regards,Kent

Do I have to fill out both the FAFSA (since I'm a US citizen living abroad) and a CSS profile form to get financial aid for colleges?

There’s nothing about the FAFSA that is exclusive or required for US citizens living abroad. The FAFSA is simply the most commonly used application form for student aid applications GENERALLY, and almost every college and university asks for it rather than go to the trouble of inventing their own - even though, in fact, many of them DO have their own application, and STILL want to see a FAFSA.What you actually should do, is go to the website OF THE COLLEGES you are interested in, and check the parts where financial aid is discussed, and see what they want to see.Probably 90% or more will want a FAFSA, maybe 10% will want their own form IN ADDITION to the FAFSA, and a certain number will also want to see the CSS profile.So fill out the FAFSA online. There is part of it which asks for the codes (every college has one) for the colleges you want to have them send the form to. You can send a FAFSA to TEN colleges when you fill out the FAFSA in the first place - AND, you can go back later, and add more colleges.Fill out the FAFSA. The one for fall semester 2018- spring 2019 is available to be filled out beginning, I believe, around October 2017. Most colleges want to have that in their possession by January 2018.Unless, of course, you are independently wealthy, and can afford to pay for college by yourself.Other notes:you fill out the FAFSA every year for the next college year.you can link to the IRS website to pre-fill in a lot of the information the FAFSA asks for (this saves time).you need your own tax return data (if you have such a thing yet) and your parents’ information also.It looks intimidating, but it really isn’t terribly difficult - I would suggest going through the FAFSA website and reading most of the information there before you start, because there are various documents and numbers you will need to have to fill out the form, and it is easier if you have collected all that stuff before you sit down to fill the form out.By the way - I see this idea often and it is wrong - ‘FAFSA’ does NOT give anybody any money. It is an APPLICATION FOR AID. The college you apply to and get accepted at will look at your application, your FAFSA form, all the other required forms you supply to them, and THEN the Financial Aid office will decide a) whether to offer you an aid package and b) what that aid package will contain.It could be a mix of scholarships (great!), grants (wonderful!), student loans of various kinds (read the fine print) and perhaps an offer of work-study. You can accept or refuse any of those, individually.Good luck!

Has New Zealand changed from happy go lucky, let's go bungy jumping, mate, to 'fill out this form in triplicate and think the right thoughts'?

Seems like you may have already made up your mind on this one! You can't judge a place based on one experience, of course - and you know that there are jerks everywhere. Does the potential position involve working with/for lawyers? OK..kidding. But are your expectations of New Zealanders too high? I've lived in NZ and the US for equal periods of time, and I've noticed that Americans tend to idealize NZ a bit, ie. Everybody is nice, its very safe, you can hitchhike everywhere...Hobbiton it ain't.My mother grew up in NZ in the fifties, and she found it crushingly conformist, backward, and old-fashioned at the time. She (and many others) couldn't wait to leave the country to move to...London, Australia, the US...anywhere. NZ was about thirty years behind the rest of the world, and that wasn't necessarily a good thing. Over the years I think NZ that reserved, self-conscious atmosphere has lessened, NZ becoming more open minded, more sophisticated, and more secure in its identity. I would say it's definitely more PC and conservative than Australia (but what country isn't?).Australia is becoming more like the United States, and NZ is becoming less like Australia.The thing that strikes me as the biggest difference between NZ and the US is that in the US you are encouraged to be as confident and self-promoting as possible, whereas here it's kind of frowned upon. There's a phenomena known as Tall Poppy Syndrome in NZ where you must cut down the tall poppies, ie. those who are more successful than you, to make yourself feel better. I do miss the utter (blind) self-confidence of Americans.I would say that the American niceness you speak of, that fake smiley shit, doesn't exist here and I don't think it will start any time soon. I do like how straightforward people are here. NZers are far more likely to invite you to their homes than Americans are (again, this depends on what part of the states you are from. I'm from the passive-aggressive Northwest).One final point: Auckland is so thoroughly different from the rest of the country, and if your job will be based in Auckland this might be the heart of the problem. Auckland was voted the Least Friendliest City in NZ recently (not that there's a lot of competition, but still). You might fare better in Wellington.Don't worry, this is still a really great country, on the whole I find people a lot more trustworthy - and has not been taken over by the PC Police. But do be aware that while America is very much the Wild West of free speech, I find NZ to be a bit more stringent on that one. I was shocked to find when I moved back here that there is an Official Censor, which would never exist in the United States (we librarians wouldn't let that happen).

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