Some people get into debt by buying things they do not need and cannot afford. What are the reasons for this behavior? What actions can be taken to prevent people from having this problem?
Nowadays, hedonist and materialistic lifestyle has been practicing by many people. Because of these, people purchase and unaffordable item using credit method. This practice could easily lead them to debt financially. This essay will discuss the problem and resolution to solve the issue.
Generally, there is an explanation why people buying an unaffordable item using the back-pay method. First, it mainly because of lifestyle. For instance, the newest mobile phone cost more than ten thousand dollars and for some people, the item is ridiculously expensive. However, because of the way of life, they purchase it using a monthly payment method or taking a loan from a bank or finance company. This action makes them pay the prince higher than the initial price and have a loan for certain period. Another reason is because of the financial credit system. Nowadays, to get a loan from a bank or a finance company is simple and some of them provide online method. This easily leads people to get a financial commitment from the bank or the company.
To prevent the problem caused by the debt system, there are 2 solutions could be offered. The method is to educate the people in term of lifestyle. It could be started from the family level. A parent should teach the children in term of money management and using it accordingly. Lastly, the government should provide a strict policy in term of the mortgage system. Banks and finance companies should apply this rule immediately. Furthermore, finance providers should review borrower monthly income prior to provide the money or expense. Moreover, the purpose of its loan should not be for a secondary or tertiary purpose.
To sum up, to address this problem is required family and government effort and more importantly self-conscious in term of lifestyle.
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Transition Words or Phrases used:
accordingly, first, furthermore, however, if, lastly, moreover, second, so, for instance, to sum up
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 11.0 13.1623246493 84% => OK
Auxiliary verbs: 9.0 7.85571142285 115% => OK
Conjunction : 16.0 10.4138276553 154% => OK
Relative clauses : 0.0 7.30460921844 0% => More relative clauses wanted.
Pronoun: 16.0 24.0651302605 66% => OK
Preposition: 31.0 41.998997996 74% => OK
Nominalization: 12.0 8.3376753507 144% => OK
Performance on vocabulary words:
No of characters: 1521.0 1615.20841683 94% => OK
No of words: 298.0 315.596192385 94% => More content wanted.
Chars per words: 5.10402684564 5.12529762239 100% => OK
Fourth root words length: 4.15483772266 4.20363070211 99% => OK
Word Length SD: 2.71710354649 2.80592935109 97% => OK
Unique words: 153.0 176.041082164 87% => More unique words wanted.
Unique words percentage: 0.513422818792 0.561755894193 91% => More unique words wanted or less content wanted.
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: 7.0 5.43587174349 129% => OK
Article: 6.0 2.52805611222 237% => Less articles wanted as sentence beginning.
Subordination: 2.0 2.10420841683 95% => OK
Conjunction: 0.0 0.809619238477 0% => OK
Preposition: 6.0 4.76152304609 126% => OK
Performance on sentences:
How many sentences: 21.0 16.0721442886 131% => OK
Sentence length: 14.0 20.2975951904 69% => The Avg. Sentence Length is relatively short.
Sentence length SD: 27.0299237891 49.4020404114 55% => The essay contains lots of sentences with the similar length. More sentence varieties wanted.
Chars per sentence: 72.4285714286 106.682146367 68% => OK
Words per sentence: 14.1904761905 20.7667163134 68% => OK
Discourse Markers: 4.71428571429 7.06120827912 67% => OK
Paragraphs: 4.0 4.38176352705 91% => OK
Language errors: 0.0 5.01903807615 0% => OK
Sentences with positive sentiment : 4.0 8.67935871743 46% => More positive sentences wanted.
Sentences with negative sentiment : 5.0 3.9879759519 125% => OK
Sentences with neutral sentiment: 12.0 3.4128256513 352% => Less facts, knowledge or examples wanted.
What are sentences with positive/Negative/neutral sentiment?
Coherence and Cohesion:
Essay topic to essay body coherence: 0.23189378783 0.244688304435 95% => OK
Sentence topic coherence: 0.0659120726867 0.084324248473 78% => OK
Sentence topic coherence SD: 0.0500361717786 0.0667982634062 75% => OK
Paragraph topic coherence: 0.128013431564 0.151304729494 85% => OK
Paragraph topic coherence SD: 0.0448770036894 0.056905535591 79% => OK
Essay readability:
automated_readability_index: 9.7 13.0946893788 74% => Automated_readability_index is low.
flesch_reading_ease: 57.27 50.2224549098 114% => OK
smog_index: 3.1 7.44779559118 42% => Smog_index is low.
flesch_kincaid_grade: 8.8 11.3001002004 78% => OK
coleman_liau_index: 11.71 12.4159519038 94% => OK
dale_chall_readability_score: 8.41 8.58950901804 98% => OK
difficult_words: 77.0 78.4519038076 98% => OK
linsear_write_formula: 6.5 9.78957915832 66% => OK
gunning_fog: 7.6 10.1190380762 75% => OK
text_standard: 10.0 10.7795591182 93% => OK
What are above readability scores?
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Rates: 61.797752809 out of 100
Scores by essay e-grader: 5.5 Out of 9
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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.