Personal Debt Crisis In the UK Essay Example | Topics and Well Written Essays - 2500 words

Personal Debt Crisis In the UK - Essay Example Seeing how things have gone south economically worldwide, one can only hope that governments, the global financial industry and more importantly, the private individual had better get their acts together. Citizens Advice Chief Executive David Harker cited the CAB statistics as "worrying evidence" that a large and growing number of people will continue to pay the price, and will become overwhelmed by serious debt impacting adversely on their lives. He further stressed that even more worrying are the "signs that people are struggling not only to repay credit, but also to afford day-to-day essentials" (CAB, 2007). According to a study that analyzed the impact of debt advice in the UK, there seemed to be three different types of debt that can be attributed to the following causes: changing circumstances, poor money management, and creditor behaviour. Changing circumstances typically included unemployment or a change in employment, illness, bereavement and/or separation from a partner. Although the factors which brought about these changes varied, the changes were commonly interlinked and their effect was generally the same: the difficulty interviewees experienced having to manage on a reduced income caused them to fall into debt or exacerbated an existing debt (Pleasence, P. et. al, 2006). Poor money management on the other hand is largely due to a complacent attitude towards financial literacy. Finally, the so-called "rogue" creditor behavior or the unscrupulous and borderline-usurious terms and policies that take advantage of the financially disadvantaged sectors of society. Even then, no si ngular universal definition as to how the explosive debt problem came to be can be arrived at by financial experts in both the government and private sectors. Thus, the challenge in coming up with the best strategy for reliving and controlling the debt crisis continues to be a heavily-contested area of study to date. Rising Interest

Textin while driving Research Paper Example | Topics and Well Written Essays - 1500 words - 1

Textin while driving - Research Paper Example The most important body parts that are involved in driving are the hands, legs, and eyes. When texting, a person is also using hands and eyes for maximum attention. When driving and texting are mixed, it implies that the concentration of the driver is on one thing. In most cases, it is usually on texting, considering the need to respond or convey a particular message. Driving while texting is a traffic offense, punishable by the law. It is, in fact, a form of attempted murder considering the dangers and risks that the person is exposing other passengers and pedestrians into. Various cases of accidents have been reported due to the negligence of the driver as they were texting. Apart from the loss of concentration, in the process of browsing and replying to text messages, a driver is likely to be exposed to some news that may ultimately take away their attention and even make them unable to drive (Klauer 56). Texting is sometimes considered a harmless activity for drivers especially when they have to reply to an important message. They feel it will only take a few seconds of their time, and they will; be done with it. However, within those few seconds on a busy road, the driver is likely to lose control or not notice a pedestrian crossing or an oncoming vehicle. It is understood that drivers also need to communicate and get in touch while they are driving, yet doing it while in the action of driving is risky. Instead, drivers are advised to pull off the road and carry on with the necessary communication instead of risking the lives of other commuters. In most cases, passengers watch driver’s texting as they drive without raising their voices and hence contributing to the risks and dangers they are being exposed to. Even though it is the driver involved in the risky affair of texting, once an accident happens, it will not just be for the driver but also other commuters. Passengers