Many people are using credit cards or loans to run up huge personal debts that they may be unable to repay. It should be therefore be made more difficult for individuals to borrow large amounts of money. What are your opinions on this?
Basically, there are two types of people who use credit cards or loans. The first one is people who really need it and they don’t have any options except those credit cards and loans. Most of them don’t have enough money for their living. They still want to live, but they can’t afford the money. So the only option is to take the loans. They do that for their own good.
The second one, is consumerism people who don’t really need it, but they can’t control their desire. In reality, there won’t be any problems if they don’t buy it. They can just simply walk away without buying it and using their credit cards or loans. But they can’t, it’s very hard for them to just walk away. They have a consumerism habits, the condition where people can’t control themselves especially in spending money. Therefore, they have to buy their desire, no matter what, including using the credit cards and loans.
Well, there’s nothing wrong about owe money, until they owe a huge amounts of money that they unable to repay. That’s fatal, however, everything that we owe, we should give them back. I think, that’s the moral of humanity that everyone should and have to know.
I’m quite agree with the thought of making more difficult for individuals to borrow large amounts of money. Because borrowing large amounts of money, especially that they unable to repay can affects both the borrowers and the lenders. If the case is too heavy to be solved by themselves, most of the lenders will bring it to the law, and that’s going to be a very huge and difficult case.
Therefore, we should make it difficult to borrow large amounts of money by asking them some questions, and making them fulfill a form from the lenders. We can give them some general questions, for example by asking them what they really want to do with the money, how can they repay it, what will they do if only they unable to repay it, et cetera. About the form, we can give them to fill it with their real identity, so if there’s any problems, the lenders have their identity and contact to solve it with them. In conclusion, don’t make it too difficult, but make them really sure about their decision in owing money with credit cards and loans.
| Post date | Users | Rates | Link to Content |
|---|---|---|---|
| 2020-07-29 | pinkymoody | 56 | view |
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Grammar and spelling errors:
Line 5, column 68, Rule ID: A_PLURAL[2]
Message: Don't use indefinite articles with plural words. Did you mean 'amount'?
Suggestion: amount
... about owe money, until they owe a huge amounts of money that they unable to repay. Tha...
^^^^^^^
Line 7, column 192, Rule ID: DID_BASEFORM[2]
Message: The verb 'can' requires the base form of the verb: 'affect'
Suggestion: affect
...specially that they unable to repay can affects both the borrowers and the lenders. If ...
^^^^^^^
Line 9, column 426, Rule ID: THERE_S_MANY[2]
Message: Did you mean 'there're any problems'?
Suggestion: there're any problems
...fill it with their real identity, so if there’s any problems, the lenders have their identity and co...
^^^^^^^^^^^^^^^^^^^^
Transition Words or Phrases used:
but, first, however, if, really, second, so, still, therefore, well, for example, i think, in conclusion
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 8.0 13.1623246493 61% => OK
Auxiliary verbs: 16.0 7.85571142285 204% => Less auxiliary verb wanted.
Conjunction : 17.0 10.4138276553 163% => OK
Relative clauses : 12.0 7.30460921844 164% => OK
Pronoun: 65.0 24.0651302605 270% => Less pronouns wanted
Preposition: 44.0 41.998997996 105% => OK
Nominalization: 1.0 8.3376753507 12% => More nominalizations (nouns with a suffix like: tion ment ence ance) wanted.
Performance on vocabulary words:
No of characters: 1852.0 1615.20841683 115% => OK
No of words: 396.0 315.596192385 125% => OK
Chars per words: 4.67676767677 5.12529762239 91% => OK
Fourth root words length: 4.46091344257 4.20363070211 106% => OK
Word Length SD: 2.16501785584 2.80592935109 77% => OK
Unique words: 175.0 176.041082164 99% => OK
Unique words percentage: 0.441919191919 0.561755894193 79% => More unique words wanted or less content wanted.
syllable_count: 545.4 506.74238477 108% => OK
avg_syllables_per_word: 1.4 1.60771543086 87% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 14.0 5.43587174349 258% => Less pronouns wanted as sentence beginning.
Article: 4.0 2.52805611222 158% => OK
Subordination: 3.0 2.10420841683 143% => OK
Conjunction: 6.0 0.809619238477 741% => Less conjunction wanted as sentence beginning.
Preposition: 4.0 4.76152304609 84% => OK
Performance on sentences:
How many sentences: 22.0 16.0721442886 137% => OK
Sentence length: 18.0 20.2975951904 89% => OK
Sentence length SD: 41.82381385 49.4020404114 85% => OK
Chars per sentence: 84.1818181818 106.682146367 79% => OK
Words per sentence: 18.0 20.7667163134 87% => OK
Discourse Markers: 4.72727272727 7.06120827912 67% => OK
Paragraphs: 5.0 4.38176352705 114% => OK
Language errors: 3.0 5.01903807615 60% => OK
Sentences with positive sentiment : 12.0 8.67935871743 138% => OK
Sentences with negative sentiment : 4.0 3.9879759519 100% => OK
Sentences with neutral sentiment: 6.0 3.4128256513 176% => OK
What are sentences with positive/Negative/neutral sentiment?
Coherence and Cohesion:
Essay topic to essay body coherence: 0.284698955297 0.244688304435 116% => OK
Sentence topic coherence: 0.0961138464007 0.084324248473 114% => OK
Sentence topic coherence SD: 0.0598396661514 0.0667982634062 90% => OK
Paragraph topic coherence: 0.184790166813 0.151304729494 122% => OK
Paragraph topic coherence SD: 0.0790126193621 0.056905535591 139% => OK
Essay readability:
automated_readability_index: 9.6 13.0946893788 73% => Automated_readability_index is low.
flesch_reading_ease: 70.13 50.2224549098 140% => OK
smog_index: 3.1 7.44779559118 42% => Smog_index is low.
flesch_kincaid_grade: 7.9 11.3001002004 70% => OK
coleman_liau_index: 9.57 12.4159519038 77% => OK
dale_chall_readability_score: 6.76 8.58950901804 79% => OK
difficult_words: 56.0 78.4519038076 71% => More difficult words wanted.
linsear_write_formula: 5.5 9.78957915832 56% => Linsear_write_formula is low.
gunning_fog: 9.2 10.1190380762 91% => OK
text_standard: 10.0 10.7795591182 93% => OK
What are above readability scores?
---------------------
Rates: 56.1797752809 out of 100
Scores by essay e-grader: 5.0 Out of 9
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Note: the e-grader does NOT examine the meaning of words and ideas. VIP users will receive further evaluations by advanced module of e-grader and human graders.