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†. 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The Effect And Influence And Prestige Of Augustine Religion Essay Essays

The Effect And Influence And Prestige Of Augustine Religion Essay Essays The Effect And Influence And Prestige Of Augustine Religion Essay Essay The Effect And Influence And Prestige Of Augustine Religion Essay Essay Introduction Augustine of Hippo or St. Augustine ( a.d. 354-430 ) was said to be the last and greatest of the Church Fathers. He is recognized by Christian authors and historiographers as the most influential mind, as an vindicator and theologian that Christianity has produced during the past two millenary. Even Jerome and Ambrose, work forces honoured with the rubric of physician by the medieval could nt mach with Augustine s celebrity and prestigiousness.[ 1 ]Although the eastern Orthodoxy had treated his plants skeptically, his parts to the cause of Christianity are good recognized by both the Catholic and Protestants. Even the well known reformists of the 16th Century claimed to be Augustine s followings and translators. [ 2 ]His profound work as a theologian, philosopher, vindicator, and church bishop had majorly influenced, particularly the Western Christianity. Among his elaborate plants were His volumes of City of God. Augustine s City of God became five volumes which dealt with those who worshiped God for felicity on Earth, another five volumes that dealt with those who worshiped God for ageless felicity, and twelve volumes refering the beginning and ultimate fates of the symbolic metropoliss of Babylon and Jerusalem. In his life clip he d contributed over one hundred books, five hundred discourses and two hundred letters.[ 3 ] Augustine s position on History Augustine is majorly known in his plant of the Confession and the City of God [ 4 ]In the Confession, he wrote about his religious formation , and Man s iniquitous behavior including his ain and the nature of adult male. The City of God was written in connexion to the devastation of Rome by Alaric in the twelvemonth 410. Harmonizing to the heathen societies the autumn of Rome was a effect of the choler of their Gods on the Christianization of Rome [ 5 ]In his excusatory attack against such position, Augustine offered his ain account on the footing of both classical doctrine and Christianity. The land for the job of history, harmonizing him were:[ 6 ]the nature and fate of world, the character and intent of God, the redemptional work of Christ and the map of church and province. For him Rome was destroyed because of its wickednesss and corruptnesss non because of its Christianization. Augustine proposed the impression of two metropoliss, viz. the metropolis of God, which is based o n the love of God and the Earthly metropolis, which is based on love of ego. Harmonizing to him merely the metropolis of God will stay ; the earthly metropoliss like Rome will finally fall because of their evil. Augustine besides, in his effort to cover with the issue of whether Christians can affect in war against the savages, he came up with the impression of merely war. On the top of the classical codification of war, that formulated that war is legitimate merely if it is carried by a province for the intent of justifying justness and reconstructing peace, Augustine added that the motivation for war must be love and the other party must be unfair. This made him to be known as the male parent of the war-guilt theory. [ 7 ]Many Historians agree that Augustine s work of the City of God was non merely Theology but besides political theory, history and doctrine that proved that both the heathen universe position and the Romans were basically flawed. [ 8 ] Augustine s View on the nature of world and redemption In his resistance to Pelagius, who taught that moral flawlessness could be achieved without the aid of God s grace through human free will[ 9 ], Augustine came up with his position of original wickedness and redemption through God s grace. For Pelagius, wickedness was the consequence of wont non nature, but Augustine held that wickedness was a direct consequence of Adam s noncompliance to God and all people have sinned through Adam[ 10 ]. Harmonizing to him, the human race, because of original wickedness, is so hopelessly corrupted that we are perfectly incapable of making any good by our forces. Augustine believed that human ability to take between good and immorality has been perfectly corrupted by wickedness. Any individual harmonizing to him, adult male must have the grace of God to be saved and such grace can merely be given by God randomly and as a consequence of God s Godhead clemency. The deeply rooted human corruptness for Augustine can merely be cured by the operation of salvaging grace that was granted by God through the decease and Resurrection of Christ.[ 11 ]His strong position on the necessity of the grace of God has made him known by the Protestants as the precursor of the Reformation [ 12 ] Augustine stretched his position on the consequence of the autumn to the proposition that homo will is wholly disadvantaged and perfectly unable to take good from immorality. He so said, God s grace is resistless and is directed to those predestined for redemption.[ 13 ]Augustine believed that people are predestined in their lives to come either to redemption or to punishment on the virtue of their wickednesss. The Calvinists nevertheless stretched that to even keep the predestination of the damned. His position on Church credos and sacraments St. Augustine was besides extremely regarded by the Roman Catholics because of his accent on direct function of the Church in go throughing the salvaging grace through sacraments including infant baptism and Eucharist. For him a sacrament is an outward and seeable mark of an inward and unseeable grace, a phrase that reappears in Catholic Sunday Schools today. However, Augustine had something wholly different in head than the seven-sacrament system of the modern Roman Catholic Church, because he considered the Nicene Creed and the Lord s Prayer to be sacraments[ 14 ] His Position on Eschatology Augustine, who is frequently referred to as the male parent of amillennialism had seemingly, popularized the positions of Tyconius, an African Donatist of the 4th century. Tyconius was one of the earliest theologists to dispute premillennialism who rejected the eschatological and futuristic position of Revelation 20. Alternatively, he said that the millenary was being fulfilled in the present age and that the thousand old ages mentioned was non a actual thousand old ages. Augustine abandoned premillennialism because of what he considered to be the surpluss and pruriences of this position. He besides interpreted Mark 3:27 to be a present binding of Satan. His ecclesiology was more to the full developed in City of God. There he conceives of the church as a celestial metropolis or land, ruled by love, which will finally prevail over all earthly imperiums which are self-indulgent and ruled by pride. For Augustine, the bishops of the Church are the replacements of the apostles and he bes ides believed in apostolic domination.[ 15 ]Augustine was the first to place the Catholic Church in its seeable, empirical signifier with the land of God. For him, the millennian regulation of Christ was taking topographic point in and through the church, including its sacraments and offices. Augustine s amillennialism rapidly became the recognized position of the church. Amillennialism became so recognized that the Council of Ephesus ( 431 ) condemned the premillennial position as superstitious. His position on the gifts of the Holy Spirit Although in his early old ages Augustine believed that all miracles had ceased by the terminal of the lives of the apostles, his position was transformed by the compelling grounds of many well-attested miracles that occurred during a powerful resurgence that occurred throughout the churches of North Africa that were under his supervising. In the last subdivision of his heroic poem work The City of God, Augustine wrote about legion miracles that he had personally witnessed and investigated, including singular marvelous healings affecting chest malignant neoplastic disease, palsy, sightlessness, and even people who were resurrected from the dead. He Believed miracles in the name of Christ can go on merely by few holy people. Decision Augustine was the first of all to synthesise the great theories of the autumn, grace, and free will ; and moreover it is he who had done his best to accommodate them all. Protestant reformists such as Martin Luther and John Calvin have accepted his philosophies on effects of the original wickedness on adult male s autonomy and the demand of Gods grace for redemption. He is besides good known by the Catholics for his instructions on the Church s credos and sacraments. However, he was besides responsible for some of the unbiblical retentions of the Catholics such as: the cryptic efficaciousness of the sacraments, Mary s virginity even in childbearing, the tenet of the speckless construct of the Virgin Mary, the apostolic domination and infallibility. Furthermore his retentions that the gift of the Spirit was given merely to establish the Church and can merely bee vested upon few holy people and his confusion between sanctification and justification are some of the issues that weakene d his bequest.

Education as a Primary Defender of Human Rights Essay - 1

Education as a Primary Defender of Human Rights - Essay Example Not every child receives an education, not every woman receives the same rights as her male counterparts, and the voice of the poor remains unheard. A black, lower-class woman, for instance, has less chances of getting her opinions across than a while male belonging to the upper crust of the society, whose voice yields the power to influence society’s major institutions. The Magna Carta of 1215, the most important legal documents to date, set the initial foundations of human rights in the society. One of its key principles stated, "No freeman shall be taken, imprisoned, disseised, outlawed, banished, or in any way destroyed, nor will We proceed against or prosecute him, except by the lawful judgment of his peers and by the law of the land. To no one will We sell, to no one will We deny or delay, right or justice" (The Magna Carta). This centuries old charter was the first legitimate document passed to protect the rights of the people. It evolved over time to form the Universal Declaration of Human Rights, which the United Nations passed in 1948. This was, in effect, the turning point for the human rights campaign; indeed, issues of race, social class, and gender inequality would still traumatize society today were it not for the Declaration. The concept of human rights works very well in theory; it is easy to advocate equality for all in text. Reality, however, is an entirely different story. There are still a considerable percentage of men, women, and children who are marginalized and discriminated within the society for one reason or the other. It is precisely for them that human rights defenders function. As the term suggests, human rights defenders are individuals who advocate the provision of human rights to all; they are endorsers of the victimized, and aim to champion the rights of all humans. However, the term ‘human rights defenders is not just restricted to human beings. Instead, it encompasses anything and everything that