Credit Cards vs Debit Cards Essay Example | Topics and Well Written Essays - 1000 words

Credit Cards vs Debit Cards - Essay Example Paying the credit card expenses within the billing period offers the user an opportunity to pay the money without interest. The disadvantage is that the interests pile up rapidly in case the money spent is not paid within the billing period. When used responsibly, credit cards can be of great help as they help the user build credit, which can eventually result in rewards and gifts. This paper focuses on effects that credit and debit cards has, how it can put you far in debt and how it impacts your credit. The advantage of having a debit card is that you can use it to shop in various places all over the world. Additionally, most ATM cards are pre-set such that they can provide debit option thus there is no need for cardholders to carry money around. On the other hand, credit card use entails purchasing good after which you sign or provide you credit card pin number as an assurance that you will pay the debt later (Nelson, Nelson, & Stroup, 2012). Most people prefer using debit cards t o credit card arguing that using debit cards prevents one from over expenditure since it makes one feel like you are using cash payments. The fact that debit cards are connected to a checking account enables the users limit purchases and only buys items that they can afford to pay for at the moment. Additionally, most establishments that offer debit cards do not have any charges for any transactions. On the other hand, credit cards holders have to pay quite a high interest if they fail to pay the bills in time in addition to card charges (Nelson, Nelson, & Stroup, 2012; Carbo-Valverde, et al., 2007). An advantage that credit cards have over debit card is that payments for goods purchased using credit card can be withheld till the buyer is satisfied that the quality of the product is satisfactory. On the contrary, sellers make instant deductions for goods purchased using debit cards. The Fair Credit Billing Act supports such action since it posits that the purchaser has no liability for fraudulent transactions and for goods, whose quality is unsatisfactory or undelivered services. This applies for any disputable purchases. This gives credit card holders protection against deceitful merchants or service providers or in case of theft (Basel, 2006). One disadvantage of being a debit cardholder is that, in case of debit card theft, you may have to pay for all purchase transactions done using your card, which may include overdrafts particularly if you fail to realize and notify your bank in a period of 60 days. Debit cards thus have restricted consumer protection as compared to credit cards. While doing online or over the phone purchases, credit cards are the preferable option since they offer protection to the user thus helps take care of any misadventure (Directgov, 2012), Credit card users have an opportunity to build a proper credit by ensuring punctual bill payment. Good credit history is important and can help in securing loans, insurance, or in getting a job. Loans borrowed by individuals with a good credit history have a lower interest rate as compared to those for persons with unsuitable or no credit history. Additionally, some credit card offer incentives that card holders can use to obtain gifts as well as get discounts (Barrett, 2009). Debit cards provide for overdrafts, which must be made at a specified period. However, it is advantageous in that the interest rates for such

Rap Vs Poetry :: essays research papers

What is hip hop? What are some of the common stereotypes and generalizations by which hip hop is conceived? Is it a music that is for only one group of people? Does hip hop promote violence and negativity? Many people claim that it is a disgraceful, mea ngless din. Antagonists often claim that hip hop is offensive to many groups of people. I will agree that unfortunately these are sometimes true with certain varieties of hip hop. The fact is that so many artists out there are in the industry simply for the love. These artists are not â€Å"sellouts† that are only in the industry for the money and fame. Also, there are many artists out there in the hip hop world that promote positivit As time goes on hip hop culture is integrating many different racial and ethnic groups. It is now socially acceptable for people of all races to enjoy the many aspects of hip hop. Hip hop was spurred in the late 70’s. The man credited as being the first rapper ever, DJ Afrika Bambataa, was the first to â€Å"talk† to his music. His unorthodox style quickly became very popular in the disco and funk clubs. For the lack of a better word, rap† was the term given to the music. As more and more rappers came about, the term MC, or Master of Ceremonies, was associated with rappers. Break dancing actually originated a few years prior to DJ Afrika Bambataa. Break dancers (B-Boys and B-Girls), would dance during the breaks in the music while steady beats were played. Eventually rap and break dancing united and hip hop began. The area in which hip hop first became a popular music was the Bronx. The Bronx is often labeled as the birthplace of hip hop. In its early stages hip hop was mostly a black and hispanic thing. As hip hop has evolved over the past 20 some odd years its n base has dramatically broadened. Not only has its area of influence broadened, but the race and ethnicities of hip hop lovers have also. If you go to a hip hop concert nowadays you will almost always see a mixture of races. Groups such as A Tribe Called Quest, and The Roots welcome this ethnic mixing in their music. On the contrary, most â€Å"gangster rappers† do not promote this mixture. Th preach about racial tension, therefore further distancing the posibility of tranquility between races.

Best Place To Live

Where is the best place to grow up and why? We can easily become biased and unwaveringly think the U. S. , but what do we really know about different countries and their cultures, or how they affect us developmentally? There are many factors to take into consideration such as life expectancy, standard of living, and education. That is why Sweden is ranked number one on the Children’s Index ranking, making the country the best place to grow up! Children in Sweden are among the few in the world who are safe from abuse as they are well protected by the law from slapping, smacking, pinching, hair-pulling, whipping, or any form of abuse.It is considered a criminal offense to beat a child. By comparison, in the United States alone, by the time a child is 2 years old, nine in ten parents have engaged in some sort of abuse and more than half of parents have slapped or spanked their children and one-third of parents have pushed, grabbed or shoved their children (US Department of Health and Human Services, 2011). These forms of abuse have a great impact on children as abused children show a high incidence of personal and social problems, low performance levels in school and low self-esteem.Typically, abused children are less attached to their parents, less intimate with friends, tend to withdraw and have the tendencies to become more aggressive and angry (Moylan et al. , 2010). Later on, they are at a greater risk for delinquency, risky sexual behavior and substance abuse (Sousa et al. , 2011). Swedish law ensures that children are protected and their rights are defended. These laws help to minimize and decrease the number of abused children, protecting them not only physically, but mentally and developmentally. Sweden uses some of its tax money to make sure children are looked after properly.As with most families, both parents work and children are in day care. In Sweden, day care is free and each set of parents receive 480 days of paid parental leave per child t o stay home with their children until the age of 8! This offers a two- fold advantage for both parents and children. Studies have reported several positive aspects of day care. Some studies show that children in day care are more social, tend to share their toys, display self-confidence and are more outgoing. Results also conclude that children in day care score higher in cognitive skills than those who are at home.(Belsky et al. ,2007).There are some limitations within these case studies but the fact remains that many families need to place their children in day care which can be very costly. Providing paid parental leave also gives parents the opportunity to stay home with their children to continue the emotional bond while establishing secure attachment. Most parental leave is taken by mothers, but fathers are spending an increasing amount of time at home with their children. The more sensitive the father is to the child, the stronger the attachment. (Lucassen et al. , 2011).From preschool onwards, children are encouraged to think independently and the Swedish tradition of preschool emphasizes the importance of play in a child’s development and learning. At preschool the emphasis is on play. In many countries, including the US and the UK, there is a drive towards setting goals and assessing the progress of preschoolers but the Swedish system focuses more on basic values such as playing together and consideration for others. Play helps children develop motor skills and coordination. It also contributes to social development as children learn to share, take turns, and begin to engage in creative play.Piaget identified different kinds of play, characterized by cognitive complexity to include functional play, symbolic play, constructive play, and formal games (Rathus, 162). The preschool in Sweden not only holds to play in education but also to fantasy and creativity. The quality of pretend play is connected with preschoolers’ academic performance later on, and their social skills (Russ, 2006 Stagnitti st al. , 2000). Exercise is vital to a child’s development and reduces the risk of heart disease, stroke and diabetes.Physically active children have a better self- esteem and coping mechanisms yet most children in the U. S. are not physically fit. Keeping fit and enjoying the great outdoors are very much part of Swedish culture and schools shut for a week’s â€Å"sports vacation† in February each year, when many families head north to ski as children play outside at every opportunity, even in the depths of winter. Children being protect, enjoying good health, free education, and an active social life contribute to Sweden finishing first in The Children’s’ Well- Being Index and convince me that Sweden is the best place to grow up.

Physical Assessment - 5604 Words

mentPHYSICAL ASSESSMENT Last September 16, 2011 at exactly 9 o’clock in the morning, we conducted a physical assessment to Patient X who is 12 years old. He was admitted last September 15, 2011 at 12:30 am due to edema on the right ankle. He is under Dr. Uy. Patient X was admitted per wheelchair with watcher. General Survey Patient X was lying on bed. He was awake and coherent and responsive to any kind of stimulus. He had an IVF of PNSS 1 liter at KVO rate infusing well at his left metacarpal vein. Elastic bandage was well attached at his right ankle. Vital Signs | 12:00 nn | Normal Range | Blood Pressure | 90/60 mmHg | 110/70- 130/90 mmHg | Cardiac Rate | 95 bpm | 70-80 bpm | Pulse Rate | 93 bpm | 70-80 bpm |†¦show more content†¦He was able to guess the smell of soup and meal served. | II | Optic | He was able to read the readings from the students jot down notebook. | III | Oculomotor | In this test, we ask the patient to look straight and follow the direction of the finger were it was heading. Patient X was able to move his eyes in six ocular directions. | IV | Trochlear | In this test, we ask him to look straight and follow the direction of the finger were it was heading. Patient X was able to move his eyes in six ocular directions. | V | Trigeminal a. Opthalmic b. Max illary c. Mandibular | When we lightly touched the lateral sclera of the eye, the patient blinked. As the he closed his eyes, we wiped a wisp of cotton over his forehead and paranasal sinuses and when asked, he was able to feel it. 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