Rough Draft #2

Ricki Herrera

Professor Kufs

English 114B

March 17, 2016

Essay #2

                       If you are a college student, then you know that almost everything cost money. Sometimes it can be very stressful trying to juggle your finances with things you want and with everything that needs to be paid for. In an article from Ohio State University, it states, “Nearly 60 percent of college students said they worry about not having enough money to pay for school, while half are concerned about paying for their monthly expenses.” This represents just how stressed out college students are. Some students work their way through college and spend all their time working to make money to spend on their necessities. Money controls everything. Take a second to think, if you did not have money, what would you eat, what would you wear, where would you live, or would you even be in college? The little green paper plays a big role in life and it influences us greatly. Money strongly impacts a college students lifestyle, it controls what we do, what we eat, and how we use our transportation.

                  When you eat, think about how that food got in your hands, and no, I’m not referring to how it was made, I’m referring to what you had to do to get that food. The only way to get food is to buy your food, and food is a necessity that we need to live. College students in particular try to spread out their cash to make it last. When you are in college it’s not always so easy to buy healthy food because the healthy food is the most expensive, so we go to our next resort, junk food. I’m sure everyone has heard of the “freshman 15”, and it makes sense that this happens because getting fresh food is so expensive. According to WebMD.com, “1 in 4 college freshman gain about 10 pounds in the first semester.” This statistic presents an effect on students due to their eating habits. At the end of the day it all comes down to the money, and what one can afford. Your eating habits in college can really affect your health wise: it might be important to spend a little bit more money on the healthier foods.

                  When it comes to college, you think of them as the best years of your life. You want to experience fun, exciting new things with your friends. Sometimes you may want new clothes, or the newest phone. For some, its achievable, but for others that is not always the plan. The finances can stop you from getting the things you want. As much as one may want to go out and do fun activities, college is when you really have to learn to budget your money wisely. A very wise statement is stated on Investopedia.com, “While there are some people who consider “budget” to be a dirty word, it can actually be a saving grace. Much like sticking to your educational plan, you can stick to a spending plan.” This quote describes how big of a deal money is in college. It is so important to spend it wisely, even if you are not able to do everything you want. It can be extremely helpful for the future.

                  Everything cost money, even when it comes down to transportation. First, having your own car, comes with paying for car insurance every month or say and paying for gas roughly about every two weeks. To save money students might use other forms like riding a bike or a skateboard. If students do not have a car and they need to travel somewhere far they will most likely use Uber or Lyft. Uber and Lyft also cost money based on the distance you will be traveling. Money effects transportation because the more you travel the more you spend money and the less money you will have. Using other options like public transportation might help save money, it just depends how far one is willing to go to save their money. When driving your own car not only are you paying for your own gas, but sometimes you have to pay for parking too. Whatever you can go to save money Is the best option.

                  Money impacts a college student’s lifestyle tremendously. No matter where you go or what you do, it is going to cost you. From my experience I have learned to budget in college because there is so much that needs to paid for that I need to learn how to save my money and how to budget it so I can still spend it on things that I want.

Essay #2: Thesis and Intro

     If you are a college student, then you know that almost everything cost money. Sometimes it can be very stressful trying to juggle your money with everything that needs to be paid for. Some students work there way through college and spend all their time working to make money to spend on their college necessities. Money controls everything. It controls the way we live. Just think about it, if we did not have money, we would not even be able to get into college.


Thesis: Money impacts the way we live in college, it controls what we do, what we eat, and how we spend our time.

"The Big Short" Summary

     This film is about Wall Street and the mortgage bonds. In 2008 it came crashing down. The mortgage bonds were profitable but they started running out of mortgages to put in them. Banks were giving them out to people who could not afford them.  In April 2007 the market started going down but in 2008 it crashed and many people were out of jobs and unemployed. There was a CDO which is basically all the left overs, a bundle of mortgages. Then there is synthetic CDO's which is just more complicated. Wall street was under fraud and people paid for it by losing jobs. Wall streets giant stop went to zero, they ended up closing down the fund.

March 3rd Homework

Page 156 #1-6

1. The dollar amount was determined by examining the cost of every action, after you evaluate the action you can pass a regulation.  If the cost was greater than the benefit, it was not worth it.

2. Money factored into Ford's decision to rush its car production by the safety of the Pinto. Since the Pinto was not safe Ford wanted to create a better car and make a lot of them so consumers would buy.

3. I share his astonishment because the creators of Pintos were being so cheap and inconsiderable because it seemed like they did not really care about the lives of people that they were putting in danger.

4. It does not effect my willingness to credit t because in a way it makes sense that people did not want to spend money if they did not have to. I think it was in the magazine to show how careless they were into making the Pinto.

5. I could verify the information in the article by doing more research into all the problems that the Pinto had.

6. I think the behavior in Callahan's article is similar to Dowie's article because they were basically cheating their consumers into buying the cars without mentioning the safety. The safety is not even mentioned in the handbook. They cheated people's lives because many were injured due to the carelessness in the Pinto.

Page 164 #1,4

1. The title "The Social Responsibility of Business is to increase It's Profits" is an adequate title because the article focuses on this as their main point.

4. I somewhat disagree because although you need to make profit and make your business great, yu also need to make sure that your customers are happy and satisfied because if they are not then your business can go down. If you have happy customers that can increase your business greatly.