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Writing Samples
Band 6.5

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
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There is an increased demand for bank
loans
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 and
credit
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 cards among people. It has many advantages and disadvantages of using
such
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 facilities depending on its
use
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. In the modern world, financial stability and the
use
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 of luxury items have become a necessity. Banks have become financial aid to people who want to fulfil their needs. If someone wants to buy a house, they contact the bank for funds and they provide
loans
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 ranging from 5 years to 50 years. Education
loans
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 are
also
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 available for those students who want to grow their careers but monetary difficulties are a hurdle for them.
Credit
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 cards
also
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 help those who want to
use
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 an item that they can't afford so the
credit
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 facility allows them to buy it which could be paid later either in instalments or the full amount within a 30-day timeline.
In addition
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 to the advantages, there are
also
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 several drawbacks to building liability using banks. It's a general perception that it is a harmless thing, and
this
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 is dangerous for those who are shopaholics. They can't resist a new product which might result in ending up with huge amounts of debt.
Furthermore
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, there is an annual fee for
credit
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 cards as well which have to be paid regardless of whether you
use
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 it or not.
Loans
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 are
also
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 beneficial but only for those who have the ability to pay it. There is a huge amount of interest on
loans
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as well as
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 tax imposed by the government. If there is not any stable income
then
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 it will be a problem for those people. In conclusion, everything has its own pros and cons, resulting in the significance on either side depending upon the usage. Managing finance is a tricky thing to handle, if handled carefully
then
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 you can achieve much more than you expect.
Submitted by waqasali345 on

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To get an excellent score in the IELTS Task 2 writing section, one of the easiest and most effective tips is structuring your writing in the most solid format. A great argument essay structure may be divided to four paragraphs, in which comprises of four sentences (excluding the conclusion paragraph, which comprises of three sentences).

For we to consider an essay structure a great one, it should be looking like this:

  • Paragraph 1 - Introduction
    • Sentence 1 - Background statement
    • Sentence 2 - Detailed background statement
    • Sentence 3 - Thesis
    • Sentence 4 - Outline sentence
  • Paragraph 2 - First supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 3 - Second supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 4 - Conclusion
    • Sentence 1 - Summary
    • Sentence 2 - Restatement of thesis
    • Sentence 3 - Prediction or recommendation

Our recommended essay structure above comprises of fifteen (15) sentences, which will make your essay approximately 250 to 275 words.

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