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People today are able to take out loans from the bank or get a credit card very easily. What are the advantages and disadvantages of this practice?

#people #loans #bank #credit #card #practice
Globalisation has impacted our life in a great way. Getting a term
loans
Suggestion
loan
 or a
credit
card
 has become very easy than ever. The main advantage of
this
 approach is that it can be very useful in case of an emergency,
on the other hand
, it can be disadvantageous when it comes to overdue. Admittedly, one can get a loan in no time and
this
 is very beneficial in an emergency. Just a click of a button, file a form, and state the purpose, you will get a
credit
card
, it is as easy as buying a burger from a restaurant. It is shown that these
type
Suggestion
types
 of term loan are
life saver
Suggestion
a life saver
 when you are short on money.
For example
,
last
 month I paid my whole salary on tuition fees and left with no cash to pay rent and for food. When having a
credit
card
 really helped me to pay my bills.
On the contrary
, while easily
accessibility
Suggestion
accessed
accessible
 of a
credit
card
 causes
habit
Suggestion
the habit
 of overspending. Many people keep
credit
 cards to show their status symbol and
spend more than of
Suggestion
spend more than
 their salaries. Due to
this
, they become heavily indebted to the banks.
For example
, a study conducted by JP Morgan Chase,
a
Suggestion
an
 Investment banking firm, revealed that 78% of people who owns
such
card
, overspends and
this
 leads to ruining their
credit
 history.
Moreover
, when their
credit
 history deteriorates, they are not able to take home or education loan which is more important than taking loans for petty things. In conclusion, easier availability of
credit
 cards and personal loans are of great advantage when we use them in a manner, but when we misuse these services, it can be detrimental to one’s
credit
 score.

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Include an introduction and conclusion

A conclusion is essential for IELTS writing task 2. It is more important than most people realise. You will be penalised for missing a conclusion in your IELTS essay.

The easiest paragraph to write in an essay is the conclusion paragraph. This is because the paragraph mostly contains information that has already been presented in the essay – it is just the repetition of some information written in the introduction paragraph and supporting paragraphs.

The conclusion paragraph only has 3 sentences:

  • Summary
  • Restatement of thesis
  • Prediction or recommendation

Example:

To summarize, a robotic teacher does not have the necessary disciple to properly give instructions to students and actually works to retard the ability of a student to comprehend new lessons. Therefore, it is clear that the idea of running a classroom completely by a machine cannot be supported. After thorough analysis on this subject, it is predicted that the adverse effects of the debate over technology-driven teaching will always be greater than the positive effects, and because of this, classroom teachers will never be substituted for technology.

Start your conclusion with a linking phrase. Here are some examples:

  • In conclusion
  • To conclude
  • To summarize
  • Finally
  • In a nutshell
  • In general

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