Wednesday, August 26, 2020

Abortion Essays (1661 words) - Abortion, Free Essays, Term Papers

Fetus removal Essays (1661 words) - Abortion, Free Essays, Term Papers Fetus removal Fetus removal is the consummation of pregnancy before birth and is ethically off-base. A premature birth brings about the demise of an incipient organism or a hatchling. Premature birth demolishes the lives of vulnerable, blameless youngsters and unlawful in numerous nations. By prematurely ending these unborn babies, people are harming themselves; they are not permitting themselves to meet these new characters and interesting characters. Fetus removal is basically off-base. Everybody is raised realizing the contrast among good and bad. Murder isn't right, so for what reason isn't fetus removal? Individuals contend that it isn't murder if the kid is unborn. Fetus removal is murder since the embryo being demolished is absolutely real and moving. Why is it that if an newborn child is demolished a month prior to the birth, there is no issue, however whenever killed a month after birth, this is obtuse homicide? It is ethically and deliberately silly, since we lose the center when we talk about conceptive rights without reference to a bigger good and otherworldly measurement, and we are reluctant to utilize language like offense and reclamation, or good and bad. - Wolf p54 The fundamental reason premature births are improper is the manner by which they are so violently done. Regular, honest, innocuous embryos that could before long be chuckling kids are as a rule fiercely devastated. One type of premature birth is to cut the embryo into pieces with serrated forceps before being evacuated, piece by piece from the uterus by attractions with a vacuum suction apparatus. Another structure comprises of bringing the embryo feet first into the birth channel, puncturing its skull with a sharp instrument and sucking out the cerebrum tissue. The body parts, for example, the head, are given letters, as opposed to allude to the parts as what they are. As I would see it this is for the specialists who can't confront the truth of what they are doing. The remaining parts of the hatchling or incipient organism, by and large, are placed into regular, plastic cans and afterward sent to a dumpster where these valuable bones also, appendages are arranged. Be that as it may, how and when a fetus removal happens are matters of little significance to expert abortionists and different protectors. Considerably previous premature birth specialists from changing foundations and religions have another view on premature birth. These progressions of heart were brought about by mental, strict and logical reasons. One specialist, Dr. Bernard Nathanson, performed 60,000 premature births and administered 10,000, prior to logical proof and the utilization of a ultrasound, persuaded him he was advancing and taking part what he currently calls the most terrible holocaust in the history of the United States. Different specialists will not perform legitimate premature births, saying they should spare lives as opposed to devastate them. Many contend is it the ladies' or the baby's privileges and qualities that are being stomped on on? Professional decision developments here and there count on a fetus removal talk that appears to dehumanize and trivialize the passing of a baby as an approach to adapt and make significant the conceptive privileges of ladies. (Wolf p54) Women can treat an undesirable embryo as an infringement of her social liberties and is therefor defended tin utilizing power to remove it (McMillan pA12) The choice isn't up to the mother since she isn't God. Just God, a definitive maker has the option to pick who may live and who will pass on. People don't have the privilege or the ability to control the personal satisfaction and to abstain from misery. The issue of fetus removal isn't simply life, yet how life is made and the degree to which human goal and control the procedure, both when birth. All people developments and mediations may give us a world to lament. (Clark p3) With premature birth, we people give ourselves domain over an enormous piece of God's arrangements and our fate. Premature birth turns out to be particularly underhanded when the bond among mother and kid is broken also, it is being utilized as an elective conception prevention when people can't control their flippant sexual appetites. On the off chance that creatures are dependable enough to be explicitly dynamic, they should likewise be mindful enough to acknowledge outcomes, and if that implies getting pregnant and making an actual existence, at that point that life ought to have the chance to live. There ought to be a bond or connection between a mother and kid, regardless of whether conceived or then again unborn. Moms and her youngsters structure a bond dissimilar to some other felling of affection; when a kid is prematurely ended, before given the option to develop in the bond, does the mother feel the association with her kid or is it simply uterine material. Fetus removal is rarely about just premature birth. It is

Saturday, August 22, 2020

Womens Time Review Essay Example

Womens Time Review Paper Exposition on Womens Time I have not perused the other extraordinary works of Elena Chizhov with the exception of the last novel The Time of Women Russian Booker chosen one 2009. At the point when they reported the short-list, to straighten something up, and an overabundance of available time (what else to accomplish at work?) Search the system works of creators candidates one of the most-Russian abstract honors. At that point I grabbed the attention of the story Nyutochka. Recollect perusing it gradually and monotonously, presumably I would not have recalled notwithstanding the black out tone of Gogol. In the novel, I didn't perceive the creator of Nyutochki. The story made man, fine feeling of the word and world writing of the XIX century, yet the work appeared to be far expelled from life, his authenticity was adapted, creative or something, rather than the present  «The Time of Women. a living book. It voices of living individuals the primary characters of the novel grandmas Evdokia, Glyceria, Ariadne, a single parent, Antonina, and their regular little girl granddaughter Sofyushki (stupid young lady, however impeccably draws her photos her tongue). What's more, its truth shows up with startling conviction legend. In antiquated occasions, individuals don't question reality of the stories and legends. Confidence is generally dictated by a people life: he made an effort not to disrupt the norms, since he realized that he would at some point or another end up in place where there is the dead, and brought under the watchful eye of an adjudicator to respond in due order regarding all his demonstrations. Chizhova courageous woman identify with life as delicately and respectfully. Grandma immovably accept (and let each character their own confidence) in God and the Last Judgment. Notwithstanding, plainly Glikeriya, and Ariadne, and Evdokia, and Ant onina surely good, their standpoint isn't misshaped lie, they are not tainted with the infection bargain: their modest beneficial experience appears to them progressively convincing, and all the more explicitly, the unwavering than the mass crazy any desire for all inclusive socialism and glad future. Heaven, it is just in paradise state the grandma in the kitchen. On stories Antonina that soon everything will be free, and everybody will have the option to take anything he desires and as much as he needs, they are distrustful answer, they state, had just changed the cost and like guaranteed that everything will be less expensive, however in all actuality the old 500 rubles started five rubles. Just on the old 500 rubles could be something to purchase, however the new not accepting even a, dislike cabbage. We will compose a custom article test on Womens Time Review explicitly for you for just $16.38 $13.9/page Request now We will compose a custom exposition test on Womens Time Review explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom exposition test on Womens Time Review explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer The ridiculous enemy of common Soviet folklore (that individuals are more awful live in America since state they are not thinking and living space doesn't discharge, and, for example, Antonin, for the most part on the road toss; others are additionally striking models found in the book) diverges from the glad socialist reality: Individuals Former neighbor grandmas Sytinskaya guides Antonina before moving to mutual: You, he says one hundred ruh not apprehensive primary concern, put yourself: Do not let individuals feel that housewives in the kitchen my space will possess Im great shocked by the window And along these lines, in the event that anything, take yes prikrikni:.. the corners raspolzutsya feel sorry for the person you don't have.. a portion of my dread Administrator of worker's guild Zoya brought about by Antonin genuine issue (it changed with Nikolai Rucheynikovym line on TV) and says: You, Antonina, watching, lady ushlaya and dumb . OK, when I was youthful. What's more, presently, the tea, not the young lady. Once brought into the lap, the subsequent time taking a stab at? Furthermore, will create without fathers? Use what we have a decent government and nurseries, and nursery, and all you need with a royal flair. Try not to need to conceive an offspring in any event under each fence Antonina answered: Why are you so Zoya? furthermore, at the very hands tremble. Am I someones neck? In two-move work, as long as the childs regular daily existence. What's more, in a trough simply anything went three months and not go into the nursery. - (administrator proceeds to clarify what was happening prim.moe) Thank you state that the ace in two movements permits. Likewise consider: in America like you tarnished brush. There with such an issue doesn't make a complain. Come, he says think. Furthermore, it will be past the point of no return Dynamic Zoya will assume a significant job in the life of Antonina:. It chooses anything from anybody without asking that Antonina and Nikolai cakes in the bistro eating, yet in addition a youngster imagined As. lady apathetic regarding the life of the Soviet companions, it would hold an open discussion with Nicholas, that he wedded Antonina. and keeping in mind that he didn't pass by a man, she would not give him a room, for which he was ten years of age. what's more, presently likewise turn it drew closer, yet Zoe Ivanovna another room, family, gave. Why Nicholas forlorn room, where different confidants live like ordinary individuals family and endure Occasions When Antonina made a genuine activity (she was determined to have malignant growth), she required drug Neither the emergency clinic nor in a facility qualities?. medications to at any rate a little to facilitate the torment, isn't permitted. to be progressively exact, to give, yet in little dosages and in the request line. the medications were required desperately, and many, so we had grandparents call the home attendant. (From that point forward, practically nothing has changed). To prick something Glikeriya recoils - opy? (a specialist companion answers prim.moe) Well by and large, the medication. What's more, what number of Evdokia watchman to pay? I don't realize arms spread - . In the previous five rubles was, and now Maybe moving his lips, so would stay to be fifty pennies from the facility .. What's more, assuming, at that point? free from the facility for nothing out of pocket no one but medication can not compose That is released, yet not a full course and she will require each day, and afterward twice Lord, Glikeriya hands caught extremely upset for opium So some wiped out ? The whole novel is woven together legendary compositions. Grandmas own folklore (read world) credulous, offbeat combination of strange notions, educational experience and Christianity, Antonina own a miserable dream of bliss little girl and discovering love in Sofyushki its existence woven of words grandmas life, fantasies and fears. Huge numbers of the blamed in intentional skazitelnosti Chizhov. I concede, I was excessively humiliated. However, the more I read the novel, the more clear it turned into that these apparently over the top effortlessness and sweet account style not an artistic pastiche, and the main conceivable approach to pass the language where to think, talk and feel the courageous woman, to make a picture of their reality . Another perusing of the novel:

Tuesday, August 11, 2020

Grandiosity in Bipolar Disorder

Grandiosity in Bipolar Disorder Bipolar Disorder Symptoms Mania and Hypomania Print Grandiosity in Bipolar Disorder By Marcia Purse Marcia Purse is a mental health writer and bipolar disorder advocate who brings strong research skills and personal experiences to her writing. Learn about our editorial policy Marcia Purse Updated on June 25, 2019 Bipolar Disorder Overview Symptoms & Diagnosis Causes Treatment Living With In Children Your Rights Cavan Images/Stone/Getty Images In This Article Table of Contents Expand Prevalence Causes Symptoms Narcissistic Personality Disorder Treatment View All Grandiosity is a symptom experienced by people with bipolar disorder (BD) during manic and hypomanic  episodes. People experiencing grandiose delusions often describe larger-than-life feelings of superiority and invulnerability. In short, it is an exaggerated sense of ones importance, power, knowledge, or identity, even though there may be little evidence to support the beliefs. Prevalence It is estimated that around two-thirds of people with bipolar I disorder will experience grandiose delusions at some point in their illness.?? About half of the people diagnosed with schizophrenia and a large number of people with substance use disorders will experience grandiosity as a manifestation of their illness.?? Grandiose delusions may also be a facet of personality disorders, most especially narcissistic  personality disorder (NDP). Causes Grandiosity  is one of the seven symptoms of a manic or hypomanic episode in bipolar disorder. Within the context of the disorder, grandiosity is considered a mood-congruent delusion consistent with a manic state. During manic or hypomanic episodes, the chemistry and activity of the brain will begin to change,  causing nerve signals  to speed up and neurotransmitter concentrations to rise, especially dopamine (the so-called pleasure neurotransmitter).?? No one knows exactly why this happens, or why the symptoms are severe in some people but not in others. While grandiosity is a common feature of bipolar mania and hypomania, it doesnt occur in everyone with BD. According to the  Diagnostic and Statistical Manual of Mental Disorders (DSM-5), the presence of grandiosity can be used in combination with other manic or hypomanic symptoms to confirm a diagnosis of BD. Symptoms Grande in French means grand. As such, grandiosity refers to an unrealistic sense of superiority in which you consider yourself unique and better than others. It also infers a disdain for those you consider inferior to you, either by way of class, intelligence, beauty, or heritage. As a symptom, grandiosity exists on a spectrum, ranging from inflated self-esteem to sweeping delusions of grandeur. Grandiosity can be difficult to pin down because the people experiencing the symptom, as well as those around them, may not recognize it as anything more than pompousness, arrogance, or boastfulness. It is only when the behavior is extreme that some, usually friends or family, will realize that behavior is inconsistent with the persons usual demeanor. The fact that the behavior occurs in episodes is the main clue that bipolar disorder is involved. Grandiose delusions are one of the most common types of delusions in BD. Examples of grandiosity include: Exaggerating your own achievementsCriticizing and dismissing others achievements or talentsConstantly boasting and talking about yourselfBelieving yourself to be infallible or invulnerableBelieving that you are more intelligent than othersThinking that common rules dont apply to youActing selfishlyTreating others with disdain or contemptNot caring if you hurt someone with your actionsBeing quick to anger if you are challengedBeing unable to see how your behavior affects othersBeing unable to see how unrealistic your beliefs and actions are How to Recognize a Manic or Hypomanic Episode Bipolar vs. Narcissistic Personality Disorder At times, it can be difficult to distinguish between grandiose thinking during a manic or hypomanic mood and grandiosity as a facet of narcissistic personality disorder (NPD).   Having NPD means that you consistently exhibit  traits of self-adoration in a way that interferes with your relationships and well-being. NPD is broadly characterized by self-centeredness, the inability to have  empathy  for others, and the manipulation of others to get what you want. One of the key ways to differentiate grandiosity in BD from grandiosity in NPD is the co-occurrence of mania symptoms.?? Bipolar mania is a set of mood symptoms characteristic of bipolar I disorder that appears in episodes and can include: Euphoric, elevated, expansive, or irritable moodsIncreased energy and a decreased need for sleepRacing thoughtsPressured speech (excessive or frenzied speaking)Tangential speech (constantly changing unrelated topics)Restlessness and increased goal-directed activityImpulsivity with poor judgment and reckless behaviors (including spending sprees, hypersexuality, and needless risk-taking) If grandiosity accompanies any of these abnormal behaviors, bipolar disorder should be explored as a possible cause. While grandiosity can accompany hypomania, a less severe form of mania, it is usually less problematic and easily missed in diagnosis. Another key differentiator is time. Personality disorders like NPD are pervasive patterns that define ones interactions with others. By contrast, bipolar mania or hypomania typically lasts for weeks to months and is not always present. Consequences and Treatment People experiencing grandiosity as a feature of BD may suffer consequences in their personal and professional lives. To those who dont understand the symptoms, grandiosity can make someone seem unforgivably conceited and rude. This can affect interpersonal relationships at home, with friends and family, or at work. Grandiose delusions can impair your judgment and compromise ability to keep or maintain employment. Grandiosity rarely occurs on its own in people with BD and may require medications, counseling, cognitive behavioral therapy (CBT),?? and social support to effectively resolve the symptoms. If suffering from  bipolar mania, your doctor may treat you with a mood stabilizer and sometimes an antipsychotic drug to quickly control hyperactivity, sleeplessness, hostility, and irritability. If the behaviors are extreme or potentially harmful, hospitalization may be needed to help bring your moods under control. There is no one drug or psychotherapeutic approach that treats grandiosity on its own. Instead, your doctor will aim to resolve the abnormally heightened mood state that defines bipolar mania. By doing, behavioral extremes, like grandiosity, will also be tempered. Treat Bipolar With the Best Online Therapy Programs

Saturday, May 23, 2020

Quotes From A Passage to India by E.M. Forster

A Passage to India is a famous modern novel by E.M. Forester. Set during the English colonization of India, the novel dramatically depicts some of the conflicts between the Indian people and the colonial government. Here are a few quotes from A Passage to India. So abased, so monotonous is everything that meets the eye, that when the Ganges comes down it might be expected to wash the excrescence back into the soil. Houses do fall, people are drowned and left rotting, but the general outline of the town persists, welling here, shrinking there, like some low but indestructible form of life.- E.M. Forster, A Passage to India, Ch. 1On the second rise is laid out the little civil station, and viewed hence Chandrapore appears to be a totally different place. It is a city of gardens. It is no city, but a forest sparsely scattered with huts. It is a tropical pleasaunce washed by a noble river.- E.M. Forster, A Passage to India, Ch. 1They all become exactly the same, not worse, not better. I give any Englishman two years, be he Turton or Burton. It is only the difference of a letter. And I give any English woman six months. All are exactly alike.- E.M. Forster, A Passage to India, Ch. 2He has found out our dinner hour, thats all, and chooses to inter rupt us every time, in order to show his power.- E.M. Forster, A Passage to India, Ch. 2A Mosque by winning his approval let loose his imagination. The temple of another creed, Hindu, Christian, or Greek, would have bored him and failed to awaken his sense of beauty. Here was Islam, his own country, more than a Faith, more than a battle cry, more, much more.- E.M. Forster, A Passage to India, Ch. 2Islam an attitude towards life both exquisite and durable, where his body and his thoughts found their home.- E.M. Forster, A Passage to India, Ch. 2That makes no difference. God is here.- E.M. Forster, A Passage to India, Ch. 2As he strolled down hill beneath the lovely moon, and again saw the lovely mosque, he seemed to own the land as much as anyone who owned it. What did it matter if a few flabby Hindus had preceded him there, and a few chilly English succeeded.- E.M. Forster, A Passage to India, Ch. 2I want to see the real India.- E.M. Forster, A Passage to India, Ch. 3Come on, Indias not as bad as all that. Other side of the earth, if you like, but we stick to the same old moon.- E.M. Forster, A Passage to India, Ch. 3Adventures do occur, but not punctually.- E.M. Forster, A Passage to India, Ch. 3In England the moon had seemed dead and alien; here she was caught in the shawl of night together with earth and all other stars. A sudden sense of unity, of kinship with the heavenly bodies, passed into the old woman and out, like water through a tank, leaving a strange freshness behind.- E.M. Forster, A Passage to India, Ch. 3It is easy to sympathize at a distance. I value more the kind word that is spoken close to my ear.- E.M. Forster, A Passage to India, Ch. 4No, no, this is going to far. We must exclude someone from our gathering, or we shall be left with nothing.- E.M. Forster, A Passage to India, Ch. 4No, it was not picturesque; the East, abandoning its secular magnificence, was descending into a valley whose farther side no man can see.- E.M. Forster, A Passa ge to India, Ch. 5Because India is part of the earth. And God has put us on the earth in order to be pleasant to each other. God is love.- E.M. Forster, A Passage to India, Ch. 5he did not realize that white has no more to do with a colour than God save the King with a god, and that it is the height of impropriety to consider what it does connote.- E.M. Forster, A Passage to India, Ch. 7A mystery is only a high sounding term for a muddle. No advantage in stirring it up, in either case. Aziz and I know well that India is a muddle.- E.M. Forster, A Passage to India, Ch. 7Aziz was exquisitely dressed, from tie-pin to spats, but he had forgotten his back-collar stud, and there you have the Indian all over; inattention to detail, the fundamental slackness that reveals the race.- E.M. Forster, A Passage to India, Ch. 8 Her hand touched his, owing to a jolt, and one of the thrills so frequent in the animal kingdom passed between them, and announced that their difficulties were only a lovers quarrel.- E.M. Forster, A Passage to India, Ch. 8And when the whole world behaves as such, there will be no more purdah?- E.M. Forster, A Passage to India, Ch. 11But he [Aziz] himself was rooted in society and Islam. He belonged to a tradition, which bound him, and he had brought children into the world, the society of the future. Though he lived so vaguely in this flimsy bungalow, nevertheless he was placed, placed.- E.M. Forster, A Passage to India, Ch. 11All the love he felt for her at the Mosque welled up again, the fresher for forgetfulness.- E.M. Forster, A Passage to India, Ch. 13You keep your religion, I mine. That is best. Nothing embraces the whole of India, nothing, nothing and that was Akbars mistake.- E.M. Forster, A Passage to India, Ch. 14But suddenly, at the edge of her mind, Religion appeared, po or little talkative Christianity, and she knew that all its divine words from Let there be light to It is finished only amounted to boum.- E.M. Forster, A Passage to India, Ch. 14I have had twenty five years experience of this country--and twenty five years seemed to fill the waiting room with their staleness and ungeneroisity--and during those twenty five years, I have never known anything but disaster result when English people and Indians attempt to be intimate socially.- E.M. Forster, A Passage to India, Ch. 17They are not to blame, they have not a dogs chance--we should be like them if we settled here.- E.M. Forster, A Passage to India, Ch. 18They had started speaking of women and children, that phrase that exempts the male from sanity when it has been repeated a few times.- E.M. Forster, A Passage to India, Ch. 20But every humane act in the East is tainted with officialism, and while honoring him they condemned Aziz and India.- E.M. Forster, A Passage to India, Ch. 20The sound had spouted after her when she escaped, and was going on still like a river that gradually floods the plain. Only Mrs. Moore could drive it back to its source and seal the broken reservoir. Evil was loose...she could hear it entering the lives of others.- E.M. Forster, A Passage to India, Ch. 22Her Christian tenderness had gone, or had developed into hardness, a just irritation against the human race; she had taken no interest at the arrest, asked scarcely any questions, and had refused to leave her bed on one awful last night of Mohurram, when an attack was expected on the bungalow.- E.M. Forster, A Passage to India, Ch. 22As soon as she landed in India, it seemed to her good, and when she saw the water flowing through the mosque tank, or the Ganges, or the moon caught in the shawl of night with all the other stars, it seemed a beautiful goal and an easy one.- E.M. Forster, A Passage to India, Ch. 23by what right did they claim so much importance in the world and assume the title of civilization?- E.M. Forster, A Passage to India, Ch. 24Ronnys religion was of the sterilized Public School brand, which never goes bad, even in the tropics. Wherever he entered, mosque, cave or temple, he retained the spiritual outlook of the fifth form, and condemned as weakening any attempt to understand them.- E.M. Forster, A Passage to India, Ch. 28The poem for Mr. Bhattacharya never got written, but it had an effect. It led him towards the vague and bulky figure of a mother-land. He was without natural affection for the land of his birth, but the Marabar Hills drove him to it. Half closing his eyes, he attempted to love India.- E.M. Forster, A Passage to India, Ch. 30Suspicion in the Oriental is a sort of malignant tumor, a mental malady, that makes him self-conscious and unfriendly suddenly; he trusts and mistrusts at the same time in a way the Westerner can not comprehend. It is his demon, as the Westerners is hypocrisy.- E.M. Forster, A Passage to India, Ch. 32Thus Godbol e, though she was not important to him, remembered an old woman he had met in Chandrapore days. Chance brought her into his mind while it was in this heated state, he did not select her, she happened to occur among the throng of soliciting images, a tiny splinter, and he impelled her by his spiritual force to that place where completeness can be found.- E.M. Forster, A Passage to India, Ch. 33My heart is for my own people henceforward.- E.M. Forster, A Passage to India, Ch. 35Then you are an Oriental.- E.M. Forster, A Passage to India, Ch. 36But the horses didnt want it-they swerved apart; the earth didnt want it, sending up rocks through which riders must pass single file; the temples, the tank, the jail, the palace, the birds, the carrion, the Guest House, that came into view as they issued from the gap and saw Mau beneath: they didnt want it, they said in their hundred voices, No, not yet, and the sky said, No, not there.- E.M. Forster, A Passage to India, Ch. 37

Wednesday, May 6, 2020

Youth Problems Free Essays

Youth nowadays love to spend their times by playing games than study without knowing that this activity will affect them. It is believed that games are affecting youth today. In what extent do you agree or disagree. We will write a custom essay sample on Youth Problems or any similar topic only for you Order Now We have to come to the world where technology does matter . Even in our daily life, it is doubtful that one could survive without having technologies to assist them . Teenagers usually always misuse the usage of technologies such as wasting most of their by playing games and surfing the internet. It is strongly agreed that games are affecting youth today as it will causes addiction and wastes times, money and energy. It is true that by playing games will make us become addicted if there is no control from parents. Teenagers are usually more interested to play games rather than to study when they have free time. Such condition is the prime factor which contributes to addiction and may affect their studies. This addiction also will lead to some illness such as back pain and eyestrain when there is too much time is spent on the games. Therefore, we should have self-conscious in controlling the usage of technologies. Besides that, too much obsession in playing games will waste time, money and energy. Usually, teenagers who don’t have computer at home will go to the cyber cafe to play games. Thus, too much time consumed for an activity does not bring any profit is a waste. Plus, many works cannot be done if most of the time is spent on playing games. Therefore, teenagers are advised to use their time wisely by spending on other beneficial activities As a conclusion, it is pertinent to note that games bring many disadvantages because it will cause obsession and wastage. It is hoped that parents can be more alert in monitoring their children’s activities. Teenagers especially should choose their friends wisely. How to cite Youth Problems, Papers

Sunday, May 3, 2020

Cash Versus Credit Card free essay sample

We are all familiar with the convenience of credit and debit cards, and there’s no denying that they’re the preferred method of payment for many transactions. But sometimes good old hard currency is preferable. (Although maybe not pennies. ) Here are four situations in which greenbacks are a better choice than plastic. 1. When you’re trying to stick to a budget. There are a slew of studies out there that compared cash and card spending behavior, and they all came to the same conclusion: you spend more with plastic. Part of the reason behind this is the disassociation factor: you don’t feel as if you’re actually parting with money when you swipe your card at a terminal, especially if you don’t have to face the bill for a month. Paying cash is the equivalent of a dieter’s keeping a food diary: it forces you to hold yourself accountable for what you buy over the course of a day. We will write a custom essay sample on Cash Versus Credit Card or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page This is especially valid when it comes to small purchases, as the few bucks here and there on lunch, coffee and incidental purchases really add up. Using cash, it’s easy to see how quickly they empty your wallet. (MORE: Your Credit Card Rewards Aren’t Worth as Much as You Think) 2. When you’re shopping at a mom-and-pop store or a farmers’ market. More Americans are taking pains to eat and shop locally these days. Often that impulse is driven by a desire to help out the little guy rather than funnel spending dollars to the big-box chain stores. It’s a commendable sentiment, and one that small-business owners and farmers certainly appreciate. But when you hand over your credit or debit card, you’re undoing some of that good intention. We’ve written at length about interchange fees, those obscure charges banks levy on merchants who accept plastic. Here’s the short version of why they matter in this case: paying with plastic sends as much as 3% of your total purchase price to the banks instead of to your local dog groomer or florist’s bottom line. 3. When you’re at a flea market or craft show. Yes, more vendors these days have credit-card readers like Square, but there are arguments to make for cash. First, there’s the point we made above about interchange fees eating into the profit these small-business owners earn from their sales. Second, it’s much easier to bargain if you have a handful of bills rather than a card. These venues are practically made for haggling (see a list of other places you should negotiate prices here), and as the saying goes, money talks. (MORE: Terrible Financial Advice: Top 10 Tips You Shouldn’t Follow) 4. When you’re buying something you might have to return. Store return policies vary widely, so it’s advisable to check before purchasing an item you might return. (And by â€Å"check,† we mean going online or to the customer-service desk to read the store’s written policy, not asking a cashier who might be misinformed. ) Provided you have your original receipt, many retailers will issue you a refund in the same format in which you paid. If you paid with a credit or debit card, this could mean waiting a few days for the transaction to clear. A cash refund, on the other hand, puts that money back into your pocket immediately. 5. When you’re leaving a tip at a restaurant. This is an instance in which paying cash is primarily for the benefit of the recipient, but if you plan to revisit a restaurant in the future, your consideration may translate to better service next time. Depending on the restaurant’s policies, there could be a number of reasons cash is a better choice. The biggest perk a server gets with a cash tip is leaving at the end of the shift with cash in hand. Some restaurants distribute tips left via credit or debit cards weekly; for people living paycheck to paycheck, getting that 15% of customer checks in cash every day can make a difference. According to CreditCards. com, some eateries will even ding waitstaff for the interchange fee on the tip portion of the bill, which can cut up to 3% off the total. Some restaurants require all serving staff to pool tips, so if you got knockout service and want to make sure the person who did the work gets the reward, pay cash. There is a moral ambiguity here, in that the server would be breaking the rules if he or she just pocketed the tip. There’s also the unfortunate possibility that leaving cash tips helps waitstaff avoid paying taxes on the money by not declaring it, but the IRS has been cracking down on this practice in recent years, so it’s less of a concern than it used to be. Read more: http://business. time. com/2012/09/10/5-times-you-should-always-pay-cash/#ixzz2TO1M7b5p http://business. time. com/2012/09/10/5-times-you-should-always-pay-cash/