Term Papers on Illustration Essay

Term Paper Title	Illustration Essay
# of Words	566
# of Pages (250 words per page double spaced)	2.26

Illustration Essay

  Our nation is in dire financial straits. However, the nation's situation is only a reflection of our personal failures in our inability to "Just Say No" to ourselves. We must have everything and we must have everything now. We have become a country of consumers instead of a populace of producers. Let's face it, too many families are drowning in debt.
  We are spoiled. No one wants to wait and save money for purchases. The American consumer is deeply in debt and not talking about it. Consumer debt rose two-hundred twenty five percent from 1976 to 1986. Visa billings doubled last year from two-hundred billion to four-hundred billion. Total household debt has soared to 93% of annual income.
  USA Today has reported that for the last five years, finances have been the number one subject of most New Year's Resolutions. It used to be weight. Something is definitely amiss.
  These statistics have been building for years but it is no longer just the baby-boomers problem. My generation just embarked down the same ruinous path. Many students come out of school not knowing how to balance a checkbook. College is where you start learning firsthand about finances and credit because the credit companies are sending out cards by the buckets to students.
  Citicorp just spent ten-million marketing credit cards to high-school kids. Sixty-one percent of all college students are carrying a card, and thirty-two percent of those got it before college. However a recent survey showed that fewer than thirty percent of the students polled could say what interest rate they were paying on their cards. It's like not knowing anything about guns and ...

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