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Three Characteristics from a favorite teacher.
Name
Course
Professor
DateThree Characteristics from a favorite teacher.
There is a big difference in becoming a teacher and becoming a great teacher. Great teachers are seen to be angels and God sent. It is necessary to have definite characteristics that one can emulate from a favorite teacher because such desirable characteristics are what sets so many individuals apart. Good teachers have a great impact on the lives of learners and to a greater extent influence how the learners reason, think, learn and how they interact with the environment and better yet, the teachers have the ability to influence the attitude of the learners on important aspects and certain discipline in school. When I look I back, the definition of a good teacher is a good human being, who inspires the students, boosts their confidence, encourages them, believes in them and motivates them and ensures that the students are on the right track to success. Good and better teachers are good people and vessels of progress and excellence.
The characteristics to be emulated from a favorite teacher include; is patience. Teaching is a noble profession and it takes a lot of dedication and passion for the teachers to achieve what they ought to achieve, which is assisting their students to become their ideal selves and to be effective and very efficient in whatever it is that they do. It is an important principle to understand that the students are unique and they all need different kind of assistance. Some of the traits that I can emulate from some of the great teachers include empathy. Empathy is an important quality and when it is possessed by teachers it is really vital because it will enable the teachers help their students to process their feelings better and to become better individuals. Empathy enables the teachers to understand their students better and to meet them at their point of need and in others in those desperate and very confusing moments. When a teacher is empathetic he/she will have the ability to assist their students through difficult situations. Empathy puts the teachers in the shoes of their students and help them fell understood and to overcome feelings of defeat and enhances the feelings of safety and positive productivity. Empathy is certainly a trait I will emulate from my teacher.
Another important trait that I will emulate is the drive for self-improvement. Self-improvement and drive is an important trait that I would carry with me to my teaching practice. It will enable be to always be alert and to be on the lookout on what I can do and improve on to become a better teacher. It will help me improve on my teaching methods as well as other important traits that will propel me ahead. It will also help me be a life-longer and to keep improving on the areas or my career as well as to be better prepared for the future.
Adaptability is another important characteristic that I will learn and adapt from my favorite teacher. Being adaptable will enable me to work better with different people in that field and it will also ensure that I personally understand how to navigate the field, it will teach me how to adjust how I approach certain situations and the methods I need to pick and to drop in order to became better in everything that I do. By emulating the stated characteristics I will certainly excel and become better in the noble profession.
Credit Cards Features Comparison
Credit Card
Feature Bank of America (Accelerated Rewards) American Express (Blue Cash) Discover
(More Card)
1. Grace Period 25 days 25 days 25 days
2. Interest Rate 12.99-20.99% 12.24%-19.24 11.99%-20.99%
3. Annual Fee $0 $0 $0
4. Over-The-Limit Fee N/A N/A $0
5. Late Fee N/A N/A N/A
6. Cash Advance Interest Rate/Fees (variable) (variable) (variable)
7. Transfer Interest Rate 3% 3% 3%
Credit Cards Features Comparison
The credit card market in the US has numerous products from among which customers can select their best alternatives that correspond with individual needs. Since the market is highly diversified to meet the various needs that customers have, there is need to analyze the features of the various products. Different credit card needs are considered by the offering financial institution to bridge the gap between the need and the financial service. As an illustration, a single bank can provide different credit cards with different features and terms to meet a number of clients’ needs across the market. Below is an illustration of some of the features that customers would look for, in the analysis of the three credit card products as given by different banks.
Table 1. Obtained from the database (financeglobe.com, 2011)On a personal account, a credit card would serve a number of my financial transaction needs due to their convenience. However, the above features will play an important role in the determination of the appropriate type of product designed for such needs. On a personal finance management product needs analysis, a credit card must assist me to access my funds from any point of need. Such convenience will serve to avoid pending bills which are costly from personal financial management perspective. In addition, I will need my credit card to clear my online shopping which has become very fashionable and convenient during this information age. I don’t need to travel far distances to conduct my shopping thanks to the internet, which makes a credit card a necessity. Alternatively, many transactions nowadays attract discounts for credit card clearance. To this end, I need to maximize on cheap deals using a credit card and complement my saving approach to personal finance. Finally, a credit card will help me to save on costs of operating a financial account due to favorable rates when compared to the traditional bank accounts of other forms.
With regard to the need to reduce the cost of operating an account as a consideration, I will choose the credit card with flexible terms of interest, grace period and other related costs. From the above list of credit cards, Discover More Card fits well due to its relatively low interest rate. With reduced interest rates, consumer needs are likely to be handled in an advanced consideration since it is possible to reduce cost of transactions and channel the savings on other important needs. Besides, it offers attractive bonus packages to consumers amounting to 20% for making purchases from designated retail outlets. Discounted costs increase the capacity of consumers to maximize the benefits of the service offered by the provider and improve their lives. Since the use of the credit card is purely on personal transactions, this credit card offers the best alternative to consumer needs. It is perhaps important that these benefits are packaged for the ordinary consumer in one product to assist consumers in managing their finances and increase value for their money.
Works Cited
“The Most Comprehensive US Credit Card Database,” 2011. Web. HYPERLINK “http://www.financeglobe.com/” http://www.financeglobe.com/ (accessed 12 October 2011)
Credit card companies should not be allowed on campus marketing
Credit card companies should not be allowed on campus marketing
Campus students should not be allowed to have credit cards, because it has adverse effects on them. It is difficult for a person who does not have a credit history, as well as who is not employed, to obtain a credit card, which is unsecured. College students offer a unique market to credit card companies as they have many advantages. Their market is untapped, thus offering a great opportunity for potential growth. Most campus students spend their money on many items, and expect their parents to help them out of debt (Frederick, 2007). Lastly, credit companies want to establish relationships with the students early enough. This will ensure that in the future, the credit card company benefits from brand loyalty, which is extremely strong. In turn, it makes it easy for the company to sell other credit related product. This means that credit card companies are only in business to benefit themselves.
This paper seeks to give an analysis on the reason why campus students should have credit cards. This is because they are bound to incur serious problems in the future.
Analysis of the disadvantages of campus students having access to credit cards
The approach being used by credit card companies to attract campus students is extremely enticing. The students are meant to believe that payments for purchased items can be made in the future, without any hustles. The students in turn, accumulate high amounts of debt and they will experience the repercussions when they seek employment, or after they have graduated (Frederick, 2007). The credit card companies should not market themselves to campus students, as this is a violation of the practices of underwriting. This is because they are meant to consider factors such as income, debt-to-income ratio, as well as credit history. Many young adults, who have graduated from college, are forced to file for bankruptcy. Others are forced to stop going to school, since they cannot be able to afford their college fees. It is difficult for the campus students to start life easily, when they are heavily indebted. Campus students, who have credit cards, usually have a low score on their credit, which is not attractive or beneficial.
Banks have gone to extreme levels to ensure that campus students obtain credit cards. They are becoming extremely creative and aggressive in their marketing efforts. Some have formed relations with alumni’s of different colleges, through partnerships, which are exclusive, making their business even easier than before. Other banks are sending their representatives to areas around where college campuses are located. This is a strategy meant to ensure that they target their market, without having to violate any campus rules. There is evidence to prove that the marketing strategies used are efficient. Tables within the vicinity of college campuses are responsible for marketing to students and the percentage is at 76%.The latter, is according to the Public Interest Research Group in the United States, after it conducted a study on this vital matter.
In order to ensure that the students are attracted to the stands and tables, free gifts are offered. It has been found out that the most common gifts are t-shirts. Other banks go to great levels to entice the campus students even more. Some of the prizes include iPods, pizza, and candy, among others. To add onto this, in order to be given these gifts, they just have to fill up an application to obtain a credit card. Some states have come up with laws that restrict the manner, which credit card companies, market to campus students. This is according to an article in USA TODAY in the year 2008. The restrictions have instead made the companies search for ways to become more aggressive in their marketing. Some of the strategies being used are going to locations, which are off campus, phone calls, as well as emails (Chu, 2008).
The extreme measure undergone by banks makes one to wander whether they are indeed ethical in their practices or not. The number of partnerships between colleges and banks offering credit cards has increased. The associations are with athletic and alumni groups and it includes the largest and best universities and colleges. The campuses are also benefiting as they earn millions of dollars, which benefits them in many ways. In return, the latter has to provide the banks with vital information regarding student information, which is normally not accessible to third parties. The banks are given access to exclusive campus events, where they can market their credit cards.
As a result of the partnerships between the banks and the colleges, the ID cards also have debit card functions. Many universities all over the United States are embracing this concept, according to USA TODAY and the figure is approximately two-thirds. Some of the biggest universities in America are embracing this change (Chu, 2008). Colleges are benefiting as they are obtaining state funding, which is beneficial to them. People are distressed about this matter because the students suffer in the long run, due to increased high debt. The interest rates charged on the credit cards are high, and the students who buy expensive items suffer the most.
The marketing done by the banks makes one to believe that the credit cards are heaven sent. The strategy used is that the earlier and more times the credit card is used, the more credit points the student will have. They are promised that in the future, they will be able to buy homes, cars, and other important items (Chu, 2008). There is a problem, which accrues as a result of having a credit card. It is easy to spend unwisely if one has a credit card, without having to worry about the repercussions in the future. Campus students may use their credit card for shopping trips, purchasing food at the cafeteria, among other things. After some time, the credit card limit ends and the student is left in debt, with no way to pay, as they do not have a job.
Research has found out that there are unprecedented levels of credit, which campus students are being offered. In the first week of college most freshmen are enticed with offers on credit cards, approximately eight of them. Every week, half the student population in the different campuses fills up applications for credit cards. Students become owners of credit cards when they are in campus and own many credit cards after they have graduated. This means that their debt is increasing at a high rate (Frederick, 2007).
Conclusion
In conclusion, students should be aware that companies dealing with credit cards only seek to benefit through the money they make. The companies benefit when the students are involved in excess debt, and thus make huge profits. It is a belief that by having a credit card, one can purchase as many items as they wish, but this is not true. Campus students should be wise enough to know the disadvantages of having credit cards, if one does not have an income. More should be done to ensure that credit card companies do not have access to students, who are in campus.
Reference
Chu, Kathy. (2008). Credit cards go after college students. USA TODAY. Retrieved from http://www.usatoday.com/money/perfi/college/2008-03-30-credit-cards-college_N.htm
Frederick, M. (2007). Should credit card companies be targeting college students? HELIUM: Where knowledge rules. Retrieved from http://www.helium.com/items/704832-should-credit-card-companies-be-targeting-college-students