Friday, April 17, 2020

The Benefits of Using a Formalist Essay Sample

The Benefits of Using a Formalist Essay SampleIt is a good idea to use a formalist essay sample for essay writing. Not only can this help you achieve an overall standard of excellent essay writing, but it will also help you develop a better writing style for your own personal projects. In fact, many students who have used formalist essays have written more effectively after their usage. Why?A formalist essay sample is generally the kind of essay that has a uniform, consistent structure. The sentences are clear and the content rich and meaningful. And it is so because the writers included lots of supporting information that has been well structured. The reader gets a sense of organization that allows them to get a solid grasp of the essay, which may make them focus on certain aspects in the essay.Many students think that using a formalist essay sample is only going to be just another way to use cop-outs. But this is just not true. Sometimes when writers write poorly, they will resort to vague or generalizations in their essay. This, too, can be corrected with a well-organized essay sample. After all, there is nothing wrong with referring to the established structure.Many students who work on academic essay, for example, might find that they sometimes don't know exactly what to do when they come across a particular term or concept. Sometimes, they are uncertain how to proceed with it, and they may start researching it on their own. This leads to a more fragmented and disorganized essay.A formalist essay sample allows you to use one term or concept throughout the whole essay. You can refer to it in different ways. This is a good strategy for you to avoid drifting off into unrelated tangents. Also, with the introduction of a structure, there will be fewer problems with unifying the various ideas and concepts in the essay.One good thing about using a formalist essay sample is that you can really improve your writing skills. Since your attention is focused on a singl e concept at a time, you can devote more time to practicing and refining your skills. And most importantly, since you are writing about a particular topic, it will also be easier for you to identify your gaps and problems.A well planned essay will also allow you to discuss your topics in a more systematic and logical way. You will be able to describe things clearly, without having to struggle to remember what you should be including in your essay. This can also help you to avoid writing haphazardly.You will also be able to determine the proper way to address your readers. For example, it might be best to put the emphasis on one particular point that your readers need to be aware of. If you use a formalist essay sample, you will be able to get this right, ensuring that your audience is given the attention they need.

Thursday, April 16, 2020

Why Credit Companies Target College Students

Introduction This paper discusses why credit card companies should not market to college students .The culture of spending has become an important shaper of societal approach towards money and is now a widespread way of life in colleges.Advertising We will write a custom essay sample on Why Credit Companies Target College Students? specifically for you for only $16.05 $11/page Learn More In a bid to get more customers, the credit card companies target college students, and to do this, they employ assertive marketing techniques in order to attract students. College students have been raised in homes where money acquired through credit is used without inhibitions (Ritzer 1995).Since credit is available easily, students tend to overspend. College students now have easier access to credit than any earlier generations. However, the use of credit cards and the debts that is a consequence of cards have become an increasingly monetary threat to students. Todayâ €™s credit card companies are getting outrageously ridiculous with their marketing ideas and strategies. Many of their strategies are pointed towards people who are more likely to be irresponsible. The one strategy I would like to talk to you about and my opinion about it is credit card companies should not be on campus marketing to college students. Why credit companies target college students One point of view to this is that credit card companies target college students because many of them are young. Younger people are most likely naive and do not spend their money wisely. They would use a credit card for everything and maybe let the balance pile up and only pay the minimum. This would make the interest pile up and when they did pay their bill, most of the payment would be going towards the interest. This would be making the credit card companies more money. Another point of view would be that maybe credit card companies think that if people are smart enough to go to college that maybe they are really smart with their money and are completely in control of their financial status. Maybe the companies view it as a place to pick up some continuous valued customers. I got that point of view when I asked my mother to read what I was writing and that was her point of view! I do see her point of view as a valuable opinion and I enjoyed her criticism of the topic. But let me tell you some of the facts and things that I have learned while studying this argument.Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More In a report from trueCredit.com students graduate from collage while being indebted to credit companies for significant amounts This report further indicates that ten percent of undergraduates graduate with thousand of dollars as loans. After finishing your studies it’s a night mare for you to start thinking of paying debt to credit cards companies. It†™s more than enough for a twenty year old to think of how he will pay school loans, utilities and rent if he used them and how he will support himself in life. There will be bills to be paid every month and other additional debt, for example, car loan. That is already a lot of concerns that must handled by a young student. Prior to going to college, a student should employ some fundamental principles to avoid falling into the debt trap. These are some interesting facts I learned from an author named Latoya Irby. She was also interested in this argument. I learned a lot from her. Students who are in college are the main target of credit companies. This is so because of several rationales: They expect the credit accrued from the cards will be cleared by the student’s parents. Students face many years of clearing the debt. Companies go even further to give credit to students who have no security. For illustration, a student can have access to credit without any security being required. This proves that they are out for blood so to speak. They prey upon young people and try to get them hooked and sucked into the system. I think it is sad that this is allowed to go on, especially in a place where we go to better ourselves. Of all places a school is not a place that these types of things should be happening. Attitude of college students toward credit card usage The change of outlook towards money has become an essential means for the broadening of the college student’s consumer habits. Findings intimate that the resultant attitudes towards money: â€Å"power, prestige, distrust, and anxiety† (Yamauchi and Templer 1982) are linked to purchases that are compulsive, whereby the use of credit cards averages these correlations. Studies entailing a wide range of adult consumers revealed that approximately 1%-6% fall under the category of buyers that are compulsive. When Faber and O’Guinn’s (1992) â€Å"clinical screener for compulsi ve buying† is used to examine the respondents, 6% of questioned college students are deemed to use money for purchases out of compulsion. As a result, the indicators point to the need for an enhanced comprehension of the attitude towards making purchases of college students. Some factors, that include: psychological and socio-economic influences are the main contributors of the attitudes towards the use of credit cards. When buying trends of college students are analyzed, a sentimental attitude towards credit and gender were the main affecters of the students’ decision to use (or not use) credit for purchases.Advertising We will write a custom essay sample on Why Credit Companies Target College Students? specifically for you for only $16.05 $11/page Learn More This sentimental attitude towards credit affected how clothes, entertainment, gasoline, travel and food (that is not home made) were bought. Females made more purchases of clothes, wh ile males made more purchases of electronics and entertainment related goods. Females were found to have made purchases that followed the principles of economics more than males. Conclusion According to a press release statement of the American Consumer Federation, when the credit card debt and study loans of a student are added, the total is approximately $20,000. Consequently the debts of the student that has attended college may exceed those of the populace that has not attended collage which means that students who use credit cards will be burdened with severe financial concerns later on in life. This paper has discussed how credit accrued by students while still in college has significant consequences on their future monetary health. This paper concludes that credit companies should not market to college students, so as not induce students to undertake debts unnecessarily which would lead to a long-term financial burden. References Faber and O’Guinn. 1992. â€Å"A Clini cal Screener for Compulsive Buying†. Journal of Consumer Research, 19:459–469. Ritzer, G. 1995. Expressing America: A Critique of the Global Credit Card Society, Thousand Oaks , CA : Pine Forge Press. Yamauchi, K. and D. Templer 1982. â€Å"The Development of a Money Attitudes Scale†. Journal of Personality Asses This essay on Why Credit Companies Target College Students? was written and submitted by user AlexWilder to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.