The article outlines three potential benefits of using a credit card to buy things: the ease of purchase, the ability to establish a credit line, and the protection against theft or damage in purchases. The lecturer, on the other hand, believes that these advantages can convert into disadvantages when individuals does not use credit cards in a responsible way.
First and foremost, to avoid carrying enormous amounts of cash, the author of the article states that credit cards assist consumers in making simple their purchases and emphasize the necessity of credit cards when purchasing items from companies that do not sell their products in cash. The speaker, however, questions if this is correct and notes that, just as credit cards allow individuals to buy conveniently, they also allow them to spend more than they have. Furthermore, he claims that the lack of a monthly minimum payment allows customers to spend more while the bank charges a higher interest rate on the money borrowed.
Second, the author emphasizes that by using a credit card, a customer may create a credit line to obtain future loans to purchase residences or even jobs, and that it is essential to make all payments on time each month. The speaker, on the other side, who refutes this assertion, claims that using credit cards is an elevated risk because if individuals make late or missed payments, their credit history will suffer as a result, and deny future loans to buy houses.
Finally, the author claims that credit cards provide protection against theft, damage, or loss when purchasing new things and provide insurance for major expenditures. In contrast, the speaker claims that credit card companies do not provide protection against certain economic injustices, such as when people who make overdue payments suffer high interest rates while people who save money in banks deal with lower interest rates and receive only a few dollars of their savings.
- Lambeosaurus dinosaur 3
- Soon technology will provide smart cars that virtually drives themselves A computer in the car determines the speed and route to the desired destination The computer is in continuous contact with a global positioning system and other technologies that w 81
- TPO 64 integrated 73
- TPO 64 integrated 73
- Lambeosaurus dinosaur 81
Grammar and spelling errors:
Line 1, column 342, Rule ID: IN_A_X_MANNER[1]
Message: Consider replacing "in a responsible way" with adverb for "responsible"; eg, "in a hasty manner" with "hastily".
...n individuals does not use credit cards in a responsible way. First and foremost, to avoid carryi...
^^^^^^^^^^^^^^^^^^^^
Transition Words or Phrases used:
also, finally, first, furthermore, however, if, may, second, so, while, in contrast, such as, as a result, on the other hand
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 3.0 15.1003584229 20% => More to be verbs wanted.
Auxiliary verbs: 3.0 9.8082437276 31% => OK
Conjunction : 12.0 13.8261648746 87% => OK
Relative clauses : 17.0 11.0286738351 154% => OK
Pronoun: 22.0 43.0788530466 51% => OK
Preposition: 34.0 52.1666666667 65% => OK
Nominalization: 6.0 8.0752688172 74% => OK
Performance on vocabulary words:
No of characters: 1637.0 1977.66487455 83% => OK
No of words: 319.0 407.700716846 78% => More content wanted.
Chars per words: 5.13166144201 4.8611393121 106% => OK
Fourth root words length: 4.22617688928 4.48103885553 94% => OK
Word Length SD: 2.55076503353 2.67179642975 95% => OK
Unique words: 180.0 212.727598566 85% => More unique words wanted.
Unique words percentage: 0.564263322884 0.524837075471 108% => OK
syllable_count: 501.3 618.680645161 81% => OK
avg_syllables_per_word: 1.6 1.51630824373 106% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 3.0 9.59856630824 31% => OK
Article: 10.0 3.08781362007 324% => Less articles wanted as sentence beginning.
Subordination: 0.0 3.51792114695 0% => More adverbial clause wanted.
Conjunction: 4.0 1.86738351254 214% => Less conjunction wanted as sentence beginning.
Preposition: 4.0 4.94265232975 81% => OK
Performance on sentences:
How many sentences: 9.0 20.6003584229 44% => Need more sentences. Double check the format of sentences, make sure there is a space between two sentences, or have enough periods. And also check the lengths of sentences, maybe they are too long.
Sentence length: 35.0 20.1344086022 174% => The Avg. Sentence Length is relatively long.
Sentence length SD: 52.4886819076 48.9658058833 107% => OK
Chars per sentence: 181.888888889 100.406767564 181% => OK
Words per sentence: 35.4444444444 20.6045352989 172% => OK
Discourse Markers: 13.7777777778 5.45110844103 253% => Less transition words/phrases wanted.
Paragraphs: 4.0 4.53405017921 88% => OK
Language errors: 1.0 5.5376344086 18% => OK
Sentences with positive sentiment : 6.0 11.8709677419 51% => More positive sentences wanted.
Sentences with negative sentiment : 3.0 3.85842293907 78% => OK
Sentences with neutral sentiment: 0.0 4.88709677419 0% => More facts, knowledge or examples wanted.
What are sentences with positive/Negative/neutral sentiment?
Coherence and Cohesion:
Essay topic to essay body coherence: 0.018989599532 0.236089414692 8% => The similarity between the topic and the content is low.
Sentence topic coherence: 0.00877247419159 0.076458572812 11% => Sentence topic similarity is low.
Sentence topic coherence SD: 0.0113021938721 0.0737576698707 15% => Sentences are similar to each other.
Paragraph topic coherence: 0.0131170301145 0.150856017488 9% => Maybe some paragraphs are off the topic.
Paragraph topic coherence SD: 0.00707935876715 0.0645574589148 11% => Paragraphs are similar to each other. Some content may get duplicated or it is not exactly right on the topic.
Essay readability:
automated_readability_index: 20.5 11.7677419355 174% => OK
flesch_reading_ease: 35.95 58.1214874552 62% => OK
smog_index: 8.8 6.10430107527 144% => OK
flesch_kincaid_grade: 16.9 10.1575268817 166% => OK
coleman_liau_index: 13.07 10.9000537634 120% => OK
dale_chall_readability_score: 9.13 8.01818996416 114% => OK
difficult_words: 76.0 86.8835125448 87% => OK
linsear_write_formula: 19.0 10.002688172 190% => OK
gunning_fog: 16.0 10.0537634409 159% => OK
text_standard: 9.0 10.247311828 88% => OK
What are above readability scores?
---------------------
Better to have 5 paragraphs with 3 arguments. And try always support/against one side but compare two sides, like this:
para 1: introduction
para 2: reason 1. address both of the views presented for reason 1
para 3: reason 2. address both of the views presented for reason 2
para 4: reason 3. address both of the views presented for reason 3
para 5: conclusion.
So how to find out those reasons. There is a formula:
reasons == advantages or
reasons == disadvantages
for example, we can always apply 'save time', 'save/make money', 'find a job', 'make friends', 'get more information' as reasons to all essay/speaking topics.
or we can apply 'waste time', 'waste money', 'no job', 'make bad friends', 'get bad information' as reasons to all essay/speaking topics.
It is not exactly right on the topic in the view of e-grader. Maybe there is a wrong essay topic.
Rates: 3.33333333333 out of 100
Scores by essay e-grader: 1.0 Out of 30
---------------------
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.