TOEFL - 2

As I said before TOEFL is required for International students to study at the American university. Test of English as a Foreign Language or TOEFL is important because some universities have an English program for the international students, and TOEFL is the way to know if they improved or not. Some students pass the class and they may have to go to a higher level. I am one of the international students who take the TOEFL test and I try two kinds of this test: IBT and P.P. If you take the TOEFL for the first time, maybe it makes you feel like you became bad because you may get a lower score, but on the other hand TOEFL gives you push to make your English better than what it looks like. I suggest for any student who wants to take this test that he learns the vocabulary; all of us know that if you have a lot of vocabulary you will pass the TOEFL. Also, you may read about TOEFL because TOEFL has a lot of tricky things especially in the grammar part or any any part during the test. Moreover, you may have confidence and a goal because if you work on these two things you will do anything you want.

TOEFL

The English language has become the worldwide formalities language. For many years English stayed in the top of the famous and desired languages. As we know the American university has a special culture, so they require the international students to prove that they speak, listen, read and write in English. The TOEFL exam is made to be the judicious and help the people who speak English as a second language. TOEFL is a very good exam for many reasons. First, is designed to gauge your English, TOEFL is Test of English As a Foreign Language. This exam has more than one kind; IBT, TIP and P.P. It designed for people who didn’t speak English as a first language; also it is the gauge of their English that they have. For example, some students who lived outside the USA may have to prove that they speak, read, listen and write. Second, TOEFL has the attitude to improve your language. For example, TOEFL has a lot of vocabulary and we know if we don’t have a good vocabulary we will not improve in English. Finally, TOEFL is the way to study in the country when they speak English. So we cannot study in any university if we don’t have the TOEFL epically in the United State. I think that SIUC should think about the TOEFL score; it’s huge for some international students, but on the other hand it’s the way to improve your English.

Cash Advance Company

In Peter Hull article "Bill Would Limit Payday Lending", he discusses that cash advance company taking $15 for every $100, that’s mean %390 every years. Mr. Fulmer said, “These Company’s fees are less than bank fees”. Moreover, Clemmons agree that the government wants to take the fees less than $5 for every $100”, this is about %36 pear year. If the government applies with this bill, the company’s cannot pay for the employees and this will cost money problem for cash advance company. According to Wikipedia.com; “A capitalist economic practice in the institutionalized of USA, also some economists have specified a variety of different types of capitalism, depending on specific of concentration of economic power and wealth”. Cash advance company have system and they do not cheat the people, so the government should not stop these markets. Because, these companies provide an essential service, it is individual companies and isn’t investment companies and it’s protect the uneducated.

First, cash advance company provide an essential service. These companies found this new market, because they know that there are some people from time to time have financial crises. For example, there are some people do not have health insurance, and we find them suffering from problem when they go to hospitals. The treatment and specifically in the United State is relatively high and it cannot be covered without the presence of health insurance. Cash advance companies provide health loans services fairly well for these people who have financial crises and it’s just for the health cost. Also cash advance company do not required many conditions compared like banks. Banks stage requires sometime a lot of conditions. For example, cash advance company do not require there customers property pending like house, car or any of the personal property. Moreover, these companies are quick and immediate services. The government should not stop these companies and they should to allow for them to operator.

Second, Cash advance companies is individual companies and it is not investment companies such as banks. Also these companies like any companies have advantage and disadvantaged, it’s better than the other, and it has different rolls but they have the same fees like banks. Moreover these companies help the community and society. For example, when these companies want to open new branch they created new job especially in the small town, cash advance company focus in the community and they know what the sociality need because they work to help people. Also these companies didn’t need bailsmen who has power job or who work in the government companies. For example, some country around the world such as Bahrain or Saudi Arabia they requires the people who need the loan a bailsmen.

Third, cash advance companies protects the uneducated. There is a law prevalent in the United State and other countries around the world, that the law does not protect the dupes. In the top financial interests such as America, interests are very important there. American banks generally require customers to sign a contract when they request for the loan service. As we know that the credit history in United State is very important and it is something very command, you may not buy any car, house, electric devise or neither get know credit card if you have problem in your credit history. For example, some people use cash advance companies because they can keep their credit clean when they participants the service. On the other hand, the special thing on this company that they give people fast service so they do not need ask someone else to help them. For example, some student some times can get cash from these companies in less than ten minute and they need to bring driver's liaisons and cheek. In additions, cash advance company change the course lives of many people and they protect the credit records of them.

In conclusion, cash advance company like any company have advantage and disadvantage and the government should not stop these markets, because its it’s better than the other and it has good service, also these company help many people who has financial crises.

Reference:

"Capitalism." Wikipedia, the Free Encyclopedia. 3 May 2007 http://en.wikipedia.org/wiki/Capitalism.

Hull, P., (2007, January). Bill would limit payday lending. The post and courier. Retrieved January 19, 2007 from LexisNexis academic.