The increase availability of consumer credit in some countries has contributed to the problem of debt. Who is responsible for high levels of indebtedness: The financila instituitions that lend money or the individuals who borrow money?
Recent decades have withnessed the wide-spread of consumerism, along with that citizens are more and more familiar with various kinds of credit cards, leading to the number of personal debts in several countries. In this essay, I will discuss the reasons why I believe that people shold take responsibility of the situation.
On the one hand, the financial instituitions can cause the rapidly increase of individual debt. One of the most remarkable reasons is that they have launched a lot of types of credit cards. Indeed, in order to respone the need of the customer spending, some financial companies release many types of credit cards which encourage people to purchase more than their necessaties, entangling them to shopping addiction. As a result, the amount of individual debt increases significantly, making them become poverty stricken.
On the other hand, the increasing personal debts in many countries can be caused by the nember of public. One of the reasonable causes is the lack of personal income. Indubitably, employees have to devote more time on working in order to earn enough money to support financially for their families but with the rising inflation rate, their attempt is not enough. Consequently, they have to use some credit cards and gradually get caught in a vicious circle. In addtion, numerous customers are addicted in shopping. No doubt, many individuals go shopping in a daily basic and buying anything even if they don’t need it. Consequently, they run out of money at the end of the month.
In conclusion, the financial instituitions can cause personal debts as they lauch numerous types of credit cards which encourage people to spending. However, I believe that individuals are primarily responsible for the problem of debts because their income cannot cover their basic needs and they suffer from shopping addiction.
| Post date | Users | Rates | Link to Content |
|---|---|---|---|
| 2025-01-07 | phamkhuyen | 73 | view |
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Comments
Essay evaluations by e-grader
Grammar and spelling errors:
Line 1, column 229, Rule ID: EN_GB_SIMPLE_REPLACE
Message: I is a common American expression, in British English it is more common to use: I
Suggestion: I
...ts in several countries. In this essay, I will discuss the reasons why I believe ...
^
Line 1, column 260, Rule ID: EN_GB_SIMPLE_REPLACE
Message: I is a common American expression, in British English it is more common to use: I
Suggestion: I
...s essay, I will discuss the reasons why I believe that people shold take responsi...
^
Line 4, column 158, Rule ID: EN_GB_SIMPLE_REPLACE
Message: I is a common American expression, in British English it is more common to use: I
Suggestion: I
... encourage people to spending. However, I believe that individuals are primarily ...
^
Transition Words or Phrases used:
but, consequently, however, if, so, in conclusion, no doubt, as a result, on the other hand
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 7.0 13.1623246493 53% => More to be verbs wanted.
Auxiliary verbs: 7.0 7.85571142285 89% => OK
Conjunction : 5.0 10.4138276553 48% => More conjunction wanted.
Relative clauses : 6.0 7.30460921844 82% => OK
Pronoun: 22.0 24.0651302605 91% => OK
Preposition: 46.0 41.998997996 110% => OK
Nominalization: 5.0 8.3376753507 60% => More nominalizations (nouns with a suffix like: tion ment ence ance) wanted.
Performance on vocabulary words:
No of characters: 1563.0 1615.20841683 97% => OK
No of words: 300.0 315.596192385 95% => OK
Chars per words: 5.21 5.12529762239 102% => OK
Fourth root words length: 4.16179145029 4.20363070211 99% => OK
Word Length SD: 2.84380613498 2.80592935109 101% => OK
Unique words: 166.0 176.041082164 94% => More unique words wanted.
Unique words percentage: 0.553333333333 0.561755894193 99% => OK
syllable_count: 484.2 506.74238477 96% => OK
avg_syllables_per_word: 1.6 1.60771543086 100% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 5.0 5.43587174349 92% => OK
Article: 4.0 2.52805611222 158% => OK
Subordination: 1.0 2.10420841683 48% => OK
Conjunction: 0.0 0.809619238477 0% => OK
Preposition: 7.0 4.76152304609 147% => OK
Performance on sentences:
How many sentences: 15.0 16.0721442886 93% => OK
Sentence length: 20.0 20.2975951904 99% => OK
Sentence length SD: 53.7738474229 49.4020404114 109% => OK
Chars per sentence: 104.2 106.682146367 98% => OK
Words per sentence: 20.0 20.7667163134 96% => OK
Discourse Markers: 6.06666666667 7.06120827912 86% => OK
Paragraphs: 4.0 4.38176352705 91% => OK
Language errors: 3.0 5.01903807615 60% => OK
Sentences with positive sentiment : 9.0 8.67935871743 104% => OK
Sentences with negative sentiment : 3.0 3.9879759519 75% => OK
Sentences with neutral sentiment: 3.0 3.4128256513 88% => OK
What are sentences with positive/Negative/neutral sentiment?
Coherence and Cohesion:
Essay topic to essay body coherence: 0.171987435446 0.244688304435 70% => OK
Sentence topic coherence: 0.0584294367864 0.084324248473 69% => OK
Sentence topic coherence SD: 0.0398049256949 0.0667982634062 60% => OK
Paragraph topic coherence: 0.107251628106 0.151304729494 71% => OK
Paragraph topic coherence SD: 0.0355634176624 0.056905535591 62% => OK
Essay readability:
automated_readability_index: 13.1 13.0946893788 100% => OK
flesch_reading_ease: 51.18 50.2224549098 102% => OK
smog_index: 8.8 7.44779559118 118% => OK
flesch_kincaid_grade: 11.1 11.3001002004 98% => OK
coleman_liau_index: 12.94 12.4159519038 104% => OK
dale_chall_readability_score: 8.52 8.58950901804 99% => OK
difficult_words: 74.0 78.4519038076 94% => OK
linsear_write_formula: 11.0 9.78957915832 112% => OK
gunning_fog: 10.0 10.1190380762 99% => OK
text_standard: 9.0 10.7795591182 83% => OK
What are above readability scores?
---------------------
Rates: 73.0337078652 out of 100
Scores by essay e-grader: 6.5 Out of 9
---------------------
Note: the e-grader does NOT examine the meaning of words and ideas. VIP users will receive further evaluations by advanced module of e-grader and human graders.
Grammar and spelling errors:
Line 1, column 229, Rule ID: EN_GB_SIMPLE_REPLACE
Message: I is a common American expression, in British English it is more common to use: I
Suggestion: I
...ts in several countries. In this essay, I will discuss the reasons why I believe ...
^
Line 1, column 260, Rule ID: EN_GB_SIMPLE_REPLACE
Message: I is a common American expression, in British English it is more common to use: I
Suggestion: I
...s essay, I will discuss the reasons why I believe that people shold take responsi...
^
Line 4, column 158, Rule ID: EN_GB_SIMPLE_REPLACE
Message: I is a common American expression, in British English it is more common to use: I
Suggestion: I
... encourage people to spending. However, I believe that individuals are primarily ...
^
Transition Words or Phrases used:
but, consequently, however, if, so, in conclusion, no doubt, as a result, on the other hand
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 7.0 13.1623246493 53% => More to be verbs wanted.
Auxiliary verbs: 7.0 7.85571142285 89% => OK
Conjunction : 5.0 10.4138276553 48% => More conjunction wanted.
Relative clauses : 6.0 7.30460921844 82% => OK
Pronoun: 22.0 24.0651302605 91% => OK
Preposition: 46.0 41.998997996 110% => OK
Nominalization: 5.0 8.3376753507 60% => More nominalizations (nouns with a suffix like: tion ment ence ance) wanted.
Performance on vocabulary words:
No of characters: 1563.0 1615.20841683 97% => OK
No of words: 300.0 315.596192385 95% => OK
Chars per words: 5.21 5.12529762239 102% => OK
Fourth root words length: 4.16179145029 4.20363070211 99% => OK
Word Length SD: 2.84380613498 2.80592935109 101% => OK
Unique words: 166.0 176.041082164 94% => More unique words wanted.
Unique words percentage: 0.553333333333 0.561755894193 99% => OK
syllable_count: 484.2 506.74238477 96% => OK
avg_syllables_per_word: 1.6 1.60771543086 100% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 5.0 5.43587174349 92% => OK
Article: 4.0 2.52805611222 158% => OK
Subordination: 1.0 2.10420841683 48% => OK
Conjunction: 0.0 0.809619238477 0% => OK
Preposition: 7.0 4.76152304609 147% => OK
Performance on sentences:
How many sentences: 15.0 16.0721442886 93% => OK
Sentence length: 20.0 20.2975951904 99% => OK
Sentence length SD: 53.7738474229 49.4020404114 109% => OK
Chars per sentence: 104.2 106.682146367 98% => OK
Words per sentence: 20.0 20.7667163134 96% => OK
Discourse Markers: 6.06666666667 7.06120827912 86% => OK
Paragraphs: 4.0 4.38176352705 91% => OK
Language errors: 3.0 5.01903807615 60% => OK
Sentences with positive sentiment : 9.0 8.67935871743 104% => OK
Sentences with negative sentiment : 3.0 3.9879759519 75% => OK
Sentences with neutral sentiment: 3.0 3.4128256513 88% => OK
What are sentences with positive/Negative/neutral sentiment?
Coherence and Cohesion:
Essay topic to essay body coherence: 0.171987435446 0.244688304435 70% => OK
Sentence topic coherence: 0.0584294367864 0.084324248473 69% => OK
Sentence topic coherence SD: 0.0398049256949 0.0667982634062 60% => OK
Paragraph topic coherence: 0.107251628106 0.151304729494 71% => OK
Paragraph topic coherence SD: 0.0355634176624 0.056905535591 62% => OK
Essay readability:
automated_readability_index: 13.1 13.0946893788 100% => OK
flesch_reading_ease: 51.18 50.2224549098 102% => OK
smog_index: 8.8 7.44779559118 118% => OK
flesch_kincaid_grade: 11.1 11.3001002004 98% => OK
coleman_liau_index: 12.94 12.4159519038 104% => OK
dale_chall_readability_score: 8.52 8.58950901804 99% => OK
difficult_words: 74.0 78.4519038076 94% => OK
linsear_write_formula: 11.0 9.78957915832 112% => OK
gunning_fog: 10.0 10.1190380762 99% => OK
text_standard: 9.0 10.7795591182 83% => OK
What are above readability scores?
---------------------
Rates: 73.0337078652 out of 100
Scores by essay e-grader: 6.5 Out of 9
---------------------
Note: the e-grader does NOT examine the meaning of words and ideas. VIP users will receive further evaluations by advanced module of e-grader and human graders.