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Wednesday, October 01, 2014

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It is the most attractive feature of a credit card to spend money even you don't have it, but it is also the worse negative. Credit card users might get to the consumer culture and shopping addiction spending money without any financial plan. There are also so many banks offering their credit card service, so they just simply open more cards instead of planning to pay the debts.Consequently, bankrupt, homeless or being put in course are the situations they may have. In some serious cases, they are even sentenced to prison.

The main disadvantage of credit card is that having credit card in their pocket encourage people to spend money which at present they do not have. Now a days it has come a consumer culture to shop without thinking and sometime unnecessarily. At the end when credit card bills come consumer either are forced to convert the debt into loan on which interest is accumulated or some of them even go for multiple card and the debt keeps on raising. Many of these people faces legal conviction and become bankrupt and loose everything they have. Sometime, court convicts the accused to prison the consequence of which there family also have to bear.

Hi all this is first time I m.writing on.dis website my exam is on next sat. Plz check my essay n give suggestion for correction
I need 7 in.each I have already give exam in Aug n got L 7 R 7 W 6 n S 7
Iplz help to improve my writing..

It has led to
Addition to shopping
Pay off their depts
Resort to signing up
Multiple credit cards
Dept becomes increasingly overwhelming.
People find themselves in court , bankrupt and without a home
As a final consequence of credit cards dependence.
At the worst cases
Face prison sentences.

I find "resort to" in dictionary, "resort to sth" = to do something that you do not want to do because you cannot find any other way.

The real problem with credit card is how easy they are use and encourage people spending their money for unnecessary things. Since the online transaction becomes easier and customer culture buying power in our hands, these led to shopping excessively without financial plan. When amount of credit cards reach its limitation, consumer tend to have more credit card and resulting debts becomes out of control. Consequently, they will encounter such problem include bankrupt, homeless and legal enforcement in order to pay the debts. For the worst case, they will leave their loves one to live in prison.

Using credit cards may pose people into myriad of problems by encouraging them to use the money which they do not possess.

Hi simon and to all readers! Thanks for all the great tips in IELTS. A friend of mine took th exam today and the writing task 2 topic was: State universities must shoulder the expenses of (scholars)highly qualified/intelligent students only. While, for other students(not qualified for scholarship), private organizations and the student himself/herself should share in the school expenses. To what extent do you agree or disagree?

If anyone can write ideas about the essay topic, please do. Thanks a lot!

Hi Simon,
I just took the IELTS exam today and I'm curious if I could lose marks on the writing task if I didn't leave any spaces inbetween paragraphs(I used words like firstly, secondly, finally, In conclusion, to indicate the start of a new paragraph and grouped together ideas accordingly).
I used the block format and it looks something like this:
(no idention)Intro...
(no space)
(no idention)Body 1
(no space)
(no idention)Body 2
(no space)
(no idention)Conclusion

@Jane

Could you explain it? I couldn't understand the topic.

@arslan saeed

public/state universities must shoulder the school expenses if the student is highly qualified for scholarship (intelligent students)

But for average students in the public/state universities, the students themselves will have to pay for school fees and/or may have to ask for subsidy from private organizations.

To what extent do you agree or disagree?

Hi all friends!
i tried to write the subject that jane provided us above. I desperately need 6.5 in the wrting section...

any comment is welcome!
thank you in advance


It is not doubt true that students should have access to equal educational opportunities in public universities. However, I do not concur with the idea that public universities must undertake tuition fees for only intelligent students.

On the other hand, I accept the viewpoint that tuition fee for genius students must be the burden of public universities. It is no doubt true that bright students are fully verified that they are highly motivated and industrious in acquiring knowledge. They are more likely to become a knowledgeable treasure of a country, meaning that intelligent students are more likely to contribute significantly to a society. For this reason, it is an acceptable stand point about the burden of national universities for smart students.

On the other hand, I do not concur with the idea that clever students must be assisted in terms of tuition fees by public universities, while average student have to undertake to paying school fee by themselves. Most intelligent students may be well-prepared in studying for which they are supported by their prosperous parents. Relatively poorer students, by contrast, may distribute on the average level. At the same time, smart students can easily receive state subsidies or private financial support, because most subsidy systems are based on students` grades at school. In short, this system will only instigate the building of a barrier between intelligent students and those who are not.

In conclusion, although it could be acceptable that supporting only brilliant students from public universities, I disagree with the idea that less smart student should undertake the great burden of paying school fees by themselves.

Hi Simon

I found Jane's topic quite interesting n tricky as well plz it w b great help if u provide us d idea plan for it..

Thnxs

On the downside, there is a range of serious consequences of having a credit card. The most important reason is that it encourages people to spend money on products that people do not need. Second reason is that it facilitates the excess shopping, which is a good sign for enhancing the consumer culture. Another reason is that if someone has more than one credit card, the debts would not be under control. To put it in another way, debts would build up substantially, particularly if the card holder pays off only the minimum monthly amount. Finally, if the person is unable to pay off the huge money due on his or her credit card, and this might bring them under legal proceedings. They may face fine, court trail, deposition of house and sometimes they may face a sentence to jail.

It is clear that credit cards are becoming more and more popular in society. While some people experience troubles with credit cards because they cannot manage their expenses, others find them convenient for their spending. I myself believe that advantages of credit cards are bigger than these disadvantages.
One of the greatest advantages of credit cards is that people can access to money easily and they can pay it back later by using credit cards. This is really benefit for emergency circumstances or buying something expensive like in a holiday, go shopping, at the airport or being abroad. Another point in favor of credit cards is that using credit cards is much safer and time saver than using cash. People do not worry about carrying a lot of cash, or find an ATM to draw cash.
However, credit cards are not always beneficial. The main drawback of credit cards is that they encourage people to spend money that they do not have. This has led to the consumer culture and addiction to shopping that we now see in society. When credit card users are unable to pay off their debts, they often resort to signing up for multiple cards, and the debt becomes increasingly overwhelming. Many people in this situation find themselves in court, bankrupt, and without a home as a final consequence of credit card dependence. In the worst cases, they may even face prison sentences.
In summary, if people can control their income, credit cards are useful and convenient tools to stimulate buying requirement and this benefits the economy. I completely truth that credit cards will be more and more popular in society. (275)

The downside of credit cards is that they encourage people to spend money that they do not really have. At the same time, the excess shopping leads them to overwhelming debts, which may result in bankrupt, home lost and legal problems in court. In the worst cases, some people are sent to prison due to the inability to pay off the expense that pre-paid with credit card.

Hi All,

Could you please review this essay and point out the mistakes .


Now a days credit card is becoming essential for making purchases and payments. Over the last two decades the usage of the credit card has increased overwhelmingly. There are positive and negative views about the usage of the credit card, in this essay I will discuss both the views before drawing the conclusion.
Credit card allows managing the emergency financial crisis even though they do not have the money at that time. For example, there could be unavoidable hospital expense can occur and cannot wait for the pay cheque instead credit card can help to pay the expenses instantly and gives credit period to pay the payment. Most of the shops also moving away from managing the cash at the stores instead they recommend to use credit cards or debit card or wire payment.
Credit card holders are encouraged to spend money that they do not have. Apparently after using the credit card they become addiction to the shopping and spend more. Furthermore the last resort for them is to apply for new credit cards when the existing cards reached the credit limit. The actual spending nature is perturbed by the availability of credit card and they buy more lifestyle items, even though it is not vital for their day to day use. Thus credit card makes the person more debt holder and eventually they will pay more penalities and worst case they sell their assets to pay off their debts.

To conclude, it is evident that using credit card has positive and negative effects to the society. Credit card act as catalyst for simplified payment process and also impel them to become a debt holder. In my opinion, people should learn to effectively use credit card and must know to manage their expenses and bill payment to get benefitted.

..IN SOME COUNTRIES YOUNG PEOPLE ARE ENCOURAGED TO WORK AS TRAVEL A TEARS BETWEEN FINISHING HIGH SCHOOL AND STARTING UNIVERSITY....?
THIS IS VERY DEBATABLE SUBJECT AND RELATES TO STUDENT FUTURE. THERE IS A PLENTY OF EVIDENCE THAT MOST OF STUDENTS WHO PREFER TO DO WORK IN PRIVATE AND GOVERNMENT SECTORS FOR SHORT PERIOD DURING THE BRAKE OF HIGH SCHOOL TO UNIVERSITY IN A CASE HAVE BOTH NEGATIVE AND POSITIVE ASPECTS .HOWEVER SOME PEOPLE ADVOCATE THIS IDEA THAT STUDENT SHOULD DO WORK OR JOB DURING THE GAP OF HIGH SCHOOL AND UNIVERSITY. BECAUSE WHEN THEY WORK IN MARKET THEY MEET EVERY KIND OF PEOPLE THEY LEARN THAT HOW TO DEAL WITH PEOPLE SO THEY CAN GET LOT OF EXPERIENCE DURING WORK LIKE THIS WAY CREATE ABILITIES THEM SELF THAT HOW TO DO WORK AND HOW TO FACE DIFFICULT SITUATION DURING JOB OR WORK.FURTHERMORE ANOTHER BENEFIT IS THAT THEY IN OUR SOCIETY MOST OF STUDENTS BELONG TO POOR FAMILY BUT THEY AND TOO INTELLIGENT AND HAVE WISH TO GET FURTHER EDUCATION UNFORTUNATELY THEY COULD NOT CONTINUE DUE TO FINANCIAL PRESSURE SO THEY CAN COLLECT MONEY IF THEY DO WORK ARE JOB DURING THE GAP OF HIGH SCHOOL TO UNIVERSITY.
HOWEVER, SOME PEOPLE OPPOSE THIS IDEA ACCORDING TO THEM STUDENT SHOULD NOT DO ANY WORK OR JOB DURING THE GAP OF HIGH SCHOOL TO UNIVERSITY BUT STUDENT SHOULD CONCENTRATE ON THEIR STUDY. BECAUSE WHEN STUDENTS START TO EARN MONEY THEY LOSE THEIR INTEREST IN STUDY EVEN THEY BECAME GREEDY THEY PREFER TO EARN MONEY INSTEAD OF CONTINUE STUDY LIKE THIS WAY THEIR MIND AWAY FROM STUDY BUT A NEW THINKING DEVELOPS THEM SELF AFTER THAT VERY FEW STUDENT CAN CONTINUE THEIR STUDY PROPERLY.IN ADDITION SOME STUDENTS THOSE GET BAD HABITS DURING JOB OR WORK SO THEIR MIND SET NOT ABLE FOR GETTING EDUCATION BAD HABITS DEEPLY EFFECT OF ON STUDY SO REMAIN AWAY THE RACE STUDY TRACK.
CONCLUDING THIS TOPIC I AM OF THE CONSIDERED OPINION THAT STUDENTS SHOULD CONCENTRATE OF THEIR STUDY BUT THOSE STUDENT ARE POOR THEY CAN NOT AFFORD STUDY EXPENDITURE THEY CAN TO JOB DURING THE GAP OF STUDY

Hi Simon,,i have done few attempts of ielts for the past 3 years but unfortunately could not get through of it.I need a considerably high score of overall 7.5 .I however am able to get the desired score in all of the modules except writing which is the most difficult module for me.i have recently attempted ielts test in October and tried to follow your instructions but again I got 6.5 in writing module.i am really disappointed and shattered by all means.kindly give me some usefull tips to get rid of this problem.desperately hoping to hear from you .

Hi Simon,

You really are doing great job.

Can we have introduction and conclusion for Credit card topic?

Thank you.

Amjad

I tried to write on below interesting topic. Could you please share your genuine feedback?
Topic
public/state universities must shoulder the school expenses if the student is highly qualified for scholarship (intelligent students)
But for average students in the public/state universities, the students themselves will have to pay for school fees and/or may have to ask for subsidy from private organizations.
To what extent do you agree or disagree?
-----------------------------------
As we all know that the higher educational system is the motivating factor for the Nations growth and prosperity. Many government organizations have started contributing funds to Universities. However, some argue that scholarship fund should be given access to high scoring candidates while others want that the average students should also be facilitated by scholarship programs. It has been shown that scholarship to highly talented pupils is more beneficial.

Firstly, the high scoring students are results oriented and this is as a matter of fact is proven record. For example, in various studies, it is found that students who have excellent study records are the successful achievers. These pupils are able to complete their assignments at their hand on time and also deliver with a quality. This is understood that such student should be given a scholarship by the government. This will as a matter of fact bring university and nation on the front foot.

Another aspect is that the discounts on highly scoring student will motivate the average student to perform better. For example, the average student will try to put more efforts to obtain access to the scholarship program that is available to higher capable students. Looking at this inspirational aspect, it is believed that it is profitable to give rebates to highly advanced students.

In above two paragraphs, we have analyzed that the highly qualified students are results oriented and motivational factor for average students. I therefore support that the government must bear study cost of highly capable students. It is predicted that in future, such activities would be encouraged and proven to be profitable.

Thanks in advance for you time and efforts!!!

It is true that obtaining a credit card has become easier than ever before in todays modernized world and this might cause many problems for people. I believe that there are more drawbacks than benefits.

There are several advantages of using credit cards, Firstly, it is considered a quick way of getting borrowed money from a bank through loan with an interest. For example, if a person who is in urgent need can access to enough money in a more convenient way. As well as,if you need to buy something expensive that you can not afford to pay for all at once, a credit card is ideal option. Secondly, after having such a card you can sure about your monthly statements. Credit card helps you keep track of your expenses and monitor them regularly. Finally, it is believed to be best way of protection of purchases. For instance, most credit card companies are handling disputes for you whenever a merchant don’t take back a defective product, you just need to check with your credit card company.

On the other hand there are more drawbacks of having credit cards. There is no doubt that they are main cause of debts. They are more likely encourage people to spend more money that people do not have. This case had led to many problems in terms of creating many addictive people on different products and things which are not needed. As a result, a number of borrowing users unable paying their debts back is on the increase. This ,therefore leave the economy of country in worst conditions. Because, when people are not able to give loans with high interest back to a bank or any other financial institutions, as a whole economy suffer from these unexpected consequences. Apart from this, people are forced to be charged in order to pay money back and this in turn results in undesirable situations, such as homelessness, bankrupt, and sometimes prison sentences.

In conclusion, it seems to me that although there are some advantages of having credit cards, but, its drawbacks always outweigh benefits.


i did the ielts exam yesterday in Palestine , the writing task 2 was about the affordable housing and whether the governments should provide affordable housing for the poor...

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