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A Resource for Reading & Words, It is true tha1, The bar graph below compares how much spent money and income they made in 2013 by age group in America
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- 44 January 1, 2020 36. Online courses Some universities now offer their courses on the Internet so that people can study online.
| 43 January 1, 2020 35. Credit cards Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not be able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages It is all too easy to obtain a credit card and then to run up debts which are difficult to repay. In my opinion, the disadvantages of credit cards far outweigh the advantages. Many people consider only the benefits of owning a credit card. It is true that a credit card gives you access to money and the facility to pay it back later, like a loan. This could be useful for emergencies or something expensive, like a holiday. In addition, having a credit card is more secure than carrying money around with you. If you lose your wallet or purse, or if you are mugged in the street, a quick phone call to the bank means that the card will be instantly refused if anyone tries to use it. On the other hand, credit cards encourage people to spend money they do not have. I would never have a credit card for this reason. Debts can buildup and leave people in real financial difficulties. When people cannot pay their debts back, everyone suffers those in debt may lose their homes, the banks lose money, and the whole economy suffers. The enticing message of spend today, pay tomorrow should not seduce US into embracing this philosophy. As my mother used to say it will end in tears. In conclusion, listen to the advice of the older generation. Do not be tempted by the ease of using a credit card, because it may result in mounting debts which cannot be paid back. Peter Walton) Essays From Examiners 44 January 1, 2020 36. Online courses Some universities now offer their courses on the Internet so that people can study online. Is this a positive or negative development It is true that online courses are becoming a common feature of university education. Although there are some drawbacks of Internet-based learning, I would argue that there are far more benefits. The main drawback of the trend towards online university courses is that there is less direct interaction. Students may not have the opportunity to engage face-to-face with their teachers, and will instead have to rely on written forms of communication. Similarly, students who study online do not come into direct contact with each other, and this could have a negative impact on peer support, discussion and exchange of ideas. For example, whereas students on traditional courses can attend seminars and even discuss their subjects over coffee after lessons, online learners are restricted to chatting through website forum areas. These learners may also lack the motivation and element of competition that face-to-face group work brings. Despite the negatives mentioned above, I believe that online university courses area positive development for various reasons. Firstly, they allow learners to study in a flexible way, meaning that they can work whenever and wherever is convenient, and they can cover the material at their own pace. Secondly, the cost of a university education can be greatly reduced, while revenues for institutions may increase as more students can be taught. Finally, online learning offers open access to anybody who is willing to study, regardless of age, location, ability and background. For example, my uncle, who is 65 years old, has recently enrolled on an online MBA course in a different country, which would have been impossible in the days before Internet-based education. In conclusion, while I recognise the possible disadvantages of online learning, I consider it to be a positive development overall. |