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This document discusses how economic choices about education, career, and income influence future options. It explains key economic concepts like scarcity, trade-offs, and opportunity costs. Students are asked to consider decisions they could make now that would impact their future and reasons why students may decide to stay in or drop out of high school. The document emphasizes that education level affects future income potential and choices in life.
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A for and against composition
The document discusses whether young people should leave home immediately after finishing school. It presents arguments both for and against this choice. On one hand, leaving home allows young people independence from rules and teaches responsibility. However, the sudden change can leave some feeling lost or struggling financially with new bills. In conclusion, the author believes 18 is too young to leave and it's better to find work and save money first.
6 sample-essays-dcielts
Index of sample IELTS essays
Houses and apartments
Some people prefer to live in a house, while others think that there are more advantages
living in an apartment. Are there more advantages than disadvantages to living in a house
rather than in an apartment?
Unemployment
Unemployment is one of the most serious problems facing developed nations today. What
are the advantages and/or disadvantages of reducing the working week to thirty five
hours?
Education
Everyone should stay in school until the age of eighteen. To what extent do you agree or
disagree?
Nuclear Technology
The threat of nuclear weapons maintains world peace. Nuclear power provides cheap and
clean energy. The benefits of nuclear technology far outweigh the disadvantages. Do you
agree or disagree? Give reasons for your answer.
The environment
The best way to solve the worldʼs environmental problems is to increase the cost of fuel.
To what extent do you agree or disagree?
Culture
Should museums and art galleries be free of charge for the general public, or should a
charge, even a voluntary charge, be levied for admittance? Discuss this issue, and give
your opinion.
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The document summarizes key aspects of student life for prospective students attending an open day at LJMU. It discusses common stereotypes about students, then outlines the four main sectors of student life: academic, social, financial, and living arrangements. For each sector, it provides details on topics like the workload, types of assessments, social activities, living options, and financial support available. It concludes by emphasizing the importance of balancing the different aspects of student life and making the most of the university experience.
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This document discusses creating a budget and budget categories. It defines a budget as a plan for spending and saving money. It notes that budgets help set priorities and achieve financial goals. The document outlines categories for a budget including income, savings, and expenses. It distinguishes between fixed, variable, and discretionary expenses. The overall message is that establishing a budget with these categories can help a person be financially successful.
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This document provides information about getting a job, paying taxes, and filing taxes. It explains that when getting a job, employees must fill out a W-4 to determine tax withholdings and an I-9 to verify eligibility to work. Money is withheld from paychecks for mandatory taxes like Social Security and Medicare as well as optional deductions like insurance. When paying taxes, common taxes include sales tax, property tax, and income tax. Taxes pay for government programs and services. To file taxes, individuals need their W-2, which reports earnings and taxes paid, and the appropriate tax form like a 1040EZ if filing single or jointly with no dependents and income under $100,000.
Past ielts essays
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2005
2005
2005
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2005
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2005
2005
2005
2005
2005
2005
The document contains 94 essay topics that could potentially be given as part of the IELTS writing exam. The topics cover a wide range of subjects and issues like sports, family, education, technology, environment, and society. They are formatted with a question or statement followed by instructions to discuss views and give an opinion on the topic.
Understanding Student Debt
This document discusses student loan debt accumulated by college students. It finds that total student loan debt outstanding is over $800 billion, with average debt between $20,000-$150,000. Interest rates range from 4.5-6.8% and the national default rate is over 8%. The rising cost of tuition is increasing the amount students borrow. This debt burden impacts students' ability to find jobs and make payments after graduation. The document recommends colleges provide specialized student loan offices and mandatory financial literacy education to help students better understand and manage their debt.
College tuition
The document discusses the rising costs of college tuition and its impacts. College tuition has increased dramatically in recent decades, with the average cost of a 4-year degree now over $129,000. This is due to decreases in state funding for public colleges and increased student loan availability. The high costs mean students face large debt loads that impact their ability to buy homes, save money, and stimulate the economy after graduation. While a college degree still provides benefits like higher lifetime earnings, the system is flawed in making education less accessible.
Student Loans: What Financial Practitioners Need to Know
The document discusses student loans and options for repayment. It provides an overview of the types of federal student loans available, including subsidized and unsubsidized loans. It also discusses the various repayment plans for student loans, including standard, graduated, extended, income-based, pay as you earn, and income-contingent plans. The document notes there is confusion about repayment options and consolidation, as well as companies that promise to reduce payments but may not provide accurate information. It emphasizes the need for borrowers to understand their loan repayment options.
Consumer ed notes
The document discusses various financial topics including loans, inflation, sales tax, paychecks, investing for a child's education, credit cards, insurance, and reducing costs for college loans. Key points include that it's most beneficial to get a loan when the payoff outweighs the costs, inflation hurts lenders and helps borrowers, sales tax funds government services and the rich pay more than the poor, income tax and social security are deducted from paychecks, and federal loans and having parents co-sign can help reduce costs for college loans.
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The document proposes providing education opportunities to disadvantaged youth in Peru to help break the cycle of poverty. It suggests offering free courses in management, marketing, and finance to young people to help them start their own businesses. Close monitoring and support would be provided to the students and their business projects. Only the most promising students and business ideas would receive funding to help ensure the financial sustainability of the program. The goal is to help young entrepreneurs create jobs and economic independence in their communities through starting their own businesses.
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Student Loans: What Financial Practitioners Need to Know
[Challenge:Future] the opportunity exists, Just take it
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Supply
This document introduces the economic concept of supply and the factors that determine supply. It discusses:
1) Producers seek to maximize profits and their production decisions are determined by supply.
2) Supply is the entire schedule or curve that shows the quantity producers are willing to supply at each price point. It has a positive slope and relationship between price and quantity.
3) The determinants of supply - or factors that can cause supply to increase or decrease at all price points - include: costs of inputs, technology, expectations, number of sellers, productivity, taxes/subsidies, and government policies.
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The document discusses the roles of mass media in politics, including providing free publicity to candidates, influencing public opinion on issues, and acting as a watchdog on politicians. It also covers how the First Amendment protects freedom of the press and the precedent set by New York Times v. Sullivan that requires proof of malice for libel claims against media. Finally, it defines different types of interest groups and how they try to influence government through elections, litigation, and lobbying. Critics are concerned about outsized influence from well-funded interest groups.
North Carolina State Legislature
This document summarizes the structure of government in North Carolina from the federal level down to local municipalities. It outlines the legislative, executive, and judicial branches at each level of government and provides details on representatives, terms, responsibilities, and websites for further information.
Voting: from registering to returns
To vote in North Carolina, citizens must register by completing an application if they are a US citizen, county resident for 30 days, at least 18 years old, and not currently incarcerated or residing in a mental institution. On Election Day, which is the first Tuesday after the first Monday in November, voters go to their designated polling place located in a non-political area where no campaigning is allowed within several hundred feet. Voters then select their candidates in secret on a "bubble sheet" ballot. North Carolina also allows absentee ballots that must arrive by a deadline and no-excuses early voting at scheduled times before Election Day. After polls close, official election returns are counted and a mandatory recount may occur for close
Development of Political Parties (9.1)
Political parties serve as linkage institutions by allowing citizens to influence government through their ideas. Thomas Jefferson preferred more state power and trusted citizens over leaders, while Alexander Hamilton preferred national power and distrusted citizens. The Democratic Party traces its roots to Jefferson and populism, while the Republican Party was founded to end slavery. Third parties seek to influence major parties rather than win elections, and include ideological, single-issue, economic protest, and splinter parties. The U.S. two-party system has pros and cons compared to one-party and multi-party systems.
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Demonstrating a wide range of concepts, this slideshow describes the structure of political parties from the national organization down to the grassroots, as well as explaining the primary process
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The NC court system is hierarchical, with the NC Supreme Court at the top hearing appeals from lower courts. Below it are the NC Court of Appeals, which hears appeals from agencies and lower courts, and the Superior Court, which handles felony cases, civil cases over $10,000, and appeals from District Court. District Court handles misdemeanors, civil cases under $10,000, traffic violations, and initial felony hearings. Key people in the courts include the Clerk of Superior Court who administers court records and finances, Magistrates who handle warrants and small claims, District Public Defenders who represent indigent defendants, and the Chief Justice who oversees judicial assignments.
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Education important
This document discusses the economic and social benefits of pursuing education or attending college. It notes that college graduates earn significantly more than those with only a high school degree. Pursuing education can improve one's long-term economic prospects, quality of life, health, and career satisfaction. An Individual Development Account (IDA) can help those with low incomes afford the costs of pursuing education by providing matching funds and guidance from counselors.
Next Step Manual
The document provides information about various steps in a young person's journey after high school, including going to college, getting a job, finding housing, and managing finances. It covers topics like selecting a college, applying for financial aid and scholarships, choosing a career, applying for jobs, renting an apartment, creating a budget, and more. The overall goal is to empower young adults with the life skills needed to successfully transition into adulthood.
Calculating Cost of Your Education
Tuition, housing, and personal expenses are the top three areas where college students spend money. While tuition is significant, there are ways to reduce costs such as scholarships, loans, or choosing less expensive housing options like off-campus housing. In addition to basic living expenses, students should budget for personal expenses like club dues, social activities, transportation, and entertainment that are an important part of college life. Planning and awareness of all costs can help international and domestic students appropriately budget for their college education.
Reflection Essay Proposing A Solution Essay Ideas
The document provides instructions for creating an account on HelpWriting.net in order to request assistance with writing assignments. It outlines a 5-step process: 1) Create an account with an email and password. 2) Complete an order form with instructions, sources, and deadline. 3) Review bids from writers and choose one. 4) Review the completed paper and authorize payment. 5) Request revisions until satisfied with the work. The purpose is to guide users through obtaining writing help from the site.
Essay Describe A Funny Person B
Simba tells Nala, Timon, and Pumbaa about his past in the Pride Lands and how he fled after his father Mufasa's death, feeling responsible. Nala encourages Simba to return to challenge Scar and take his rightful place as king. Timon and Pumbaa are hesitant but ultimately support Simba in returning home to confront his past and destiny.
Rainforest Animals Write The Room Kindergarten Work
The document provides instructions for requesting writing assistance from HelpWriting.net in 5 steps:
1. Create an account with a password and email.
2. Complete a 10-minute order form providing instructions, sources, deadline, and attach a sample if wanting the writer to imitate your style.
3. Review bids from writers and choose one based on qualifications, history, and feedback, then pay a deposit to start the assignment.
4. Review the completed paper and authorize full payment if pleased, or request revisions using the free revision policy.
5. You can request multiple revisions to ensure satisfaction, and HelpWriting.net guarantees original, high-quality content or a full refund.
Post secondary lesson plan
The document provides information to students about preparing for and navigating post-secondary education. It discusses finding one's passions and interests, developing confidence and awareness of social inequalities, and being one's own best ally. The costs of college, university and living on campus are reviewed. Strategies are presented for budgeting and saving, such as working a summer job. OSAP loans and debt are also explained. The summary aims to inspire students and answer questions about expectations, opportunities, and financing options after high school.
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Cheap Custom Essay Writing Ser. Online assignment writing service.
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Rainforest Animals Write The Room Kindergarten Work
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Choices
- 1. What Economics Is REALLY About
- 2. Life is about choices and the choices we make impact us now and in the future. Focus of lesson: How do our choices about education, career and income influence our future options?
- 3. What is Scarcity? ◦ Something is Scarce if it is limited and people desire it What are Trade-Offs? ◦ The choices (options) we choose from What are Opportunity Costs? ◦ The value of the next best option we did not choose
- 4. Read the story “A Mystery of Two Families” and answer the questions So, why are the Robinsons wealthier than the Murrays? ◦ Robinsons spend less than they earn ◦ Robinsons are saving for future, especially retirement ◦ Robinsons are investing in their future by advancing their earning potential ◦ Robinsons are investing in their children’s future
- 5. 1. People make choices 2. All choices involves costs 3. People respond to incentives in predictable ways.
- 6. 4. People create economic systems that influence choices and incentives 5. People gain when they trade voluntarily. 6. People’s choices have consequences for the future.
- 7. Name some decisions you might make now that will impact you in the future?
- 8. Most high school students believe school is boring. Yet most students graduate from high school. Why do students stay in school if school is so boring?
- 9. Let’s look at some reasons for dropping out and staying in school. Choose “D” for dropout and a “S” for stay in
- 10. 1. High school dropouts can get a job and thus provide more financial help for their families than their friends in high school can. 2. High school graduates will have higher incomes in the future than the incomes of high school dropouts. 3. High school graduates are able to go on to college. 4. High school students must follow school rules, which limit freedom.
- 11. 5. High school dropouts can work full-time and have a better car, clothes, and social life than their friends in high school. 6. Parents are happy when their children graduate from high school. 7. School activities, such as sports and the arts, are fun for many students. 8. Increased knowledge opens up increased choices and opportunities.
- 12. Name some future consequences of deciding to drop out of school AND stay in school.
- 13. Focus: INCOME Two types 1. Wages what you get in exchange for your work sometimes earned as a salary 2. Rent (Payments received) given in exchange for using property (ex. Uhaul, storage units, rent)
- 14. Name some people you think have high wages. Why are their incomes so high?
- 15. Read “Why Some Jobs Pay More Than Others”