PROBLEM-SOLUTION ESSAY (STUDENT’S FINANCIAL PROBLEM)

PROBLEM-SOLUTION ESSAY (STUDENT’S FINANCIAL PROBLEM)

Money is so important in the life of a student because it is the main financial resource for students to finance university life (Fazli and Jariah, 2003). Going to the campus as student means they have to be independent in managing their own finances due to start living away from their parents. To enable students to manage money wisely, they need to have deep knowledge in the field of financial management. Financial management allows one to assess and manage financial matters efficiently towards the achievement of life goals and financial well-being (American Institute of Certified Public Accountants / AICPA, 2003). However, there are also students who do not know how to manage their finances.

Life as a university student is absolutely different than when he was in school in advance for school age do not need a lot of money. As a university student who is going through a transitional phase environment, of course, the desire to buy is inevitable. However, most of the students spent their money lavishly. For example, boys prefer to allocate more money for spending on food, clothing, entertainment, stationery, recreation, transportation, and medical. While the girls also prefer to spend their money for cosmetic tools, phone bills, and other gifts such as jewelry and buy entertainment magazine.

Among the solutions that can be taken by students to reduce waste and inefficiency is taking part-time jobs. It is not possible for a student to work full-time within their education, so they can get the funds to meet their financial needs and can learn the meaning of hard to find the money by taking part-time jobs. There are many websites that offer jobs which are specially designed for students who will provide temporary financial solution. It also helps students to manage their finances effectively. In this way also can avoid wasting money and wasting among university students.

As a student, using money involves two major aspects, namely to fund education and also to finance the cost of living at the university. With the cost of living is increasing, student groups should empower and equip themselves with the knowledge and skills related to financial management to ensure the current financial well-being on campus, thereby ensuring goals countries in generating a smart student academically and also management of their finances (Mumtazah, Husniyah and Mariati, 2008).

Reference

Fazli, S. M. dan Jariah, M. (2003). Tingkahlaku dan masalah kewangan mahasiswa. Jurnal Pengguna Malaysia. 5, 33-48.

Fazli, S. M., MacDonald, M. Jariah, M., dan Cook, C. C. (2010). Knowledge and skills of financial at risk young adults in Malaysia. Proceedings of the Association for Financial Counseling and Planning Education, 12.

Mumtazah, O., Husniyah, A.R., dan Mariati, M. S. (2008) Tingkah laku berbelanja dalam kalangan remaja sekolah. Jurnal Pengguna Malaysia. 11, 40-53.

American Institute of Certified Public Accountants (AICPA). (2003). Financial Literacy Background. Dimuat turun pada Mac 23, 2007 dari www.aicpa.org/pubs/jofa/breit.htm.

Cause and Effect (Haze Problem)

CAUSE-EFFECT ESSAY OUTLINE

I. Introduction

A. Hook/Attention getter:

The earth is a bless which gives by the god for the living organisms.

B. General statement:

But nowdays, the earth is suffering from many type of problem examples haze, air pollution, water pollution and land pollution. Among this on of the problem which growing too fast is haze.

C. Thesis statement:

Haze is a pollution which brings many causes and effects for the living organisms.

II. Body

A. Topic sentence:

Firstly, on of it is slash and burn method of farming in neighbouring countries is cause of haze problem.

1. Supporting point 1:

When they conducting this method the air out from the farming area will combine with the natural air and it spread to country by country.

a. Sub-supporting point 1:

Our farmers and plantation owners also must bear some of the blame.

2. Supporting point 2:

Other than that, open burning also the main source of haze. Open burning of rubbish are mostly by the Malaysians. To make their work easier they are burning the rubbish on open air.

a. Sub-supporting point 1:

In addition the gas come out from chemical factories or industrial area also the main source of haze.

B. Transition paragraph

1. Summary / conclusion:

So, burn method of farming in neighbouring and open burning also the main source of haze.

2. Transitional sentence:

However disastrous the consequences of the haze were, it had one negative outcome. The haze also can bring many effects

C. Topic sentence 2:

The haze also can bring many effects for humans health. It will increase the respiratory problems such as lung infections and astma attacks.

1. Supporting point 1:

The government should take some immediate action to prevent from happening haze. The government should cooperating with neighbouring countries authorities to reduce using slash and burn mehod on farming.

a. Sub-supporting point 1:

They also should raise the public awareness of the danger of forest fires. However govement also can provide assistance to farmers and introduce better forest clearing methods.

2. Supporting point 2 (2 marks):

The haze also affects the social life of people.

a. Sub-supporting point 1:

Many people would rather stay at home and not venture outdoors when the haze is around. This is because they wish to avoid being sick or meeting with an accident.

III. Conclusion

A. Restatement of the thesis statement:

This problem must be solved by the government as soon as possible before it grow and become a big problem.

B. Suggestion/recommendation 1:

The government should suggest strict laws, paralyze those who practice open burning. They also need intensified campaign on the dangers of open burning.

IV. Reference

Koh, K.L. 2008. A breakthrough in solving the Indonesian haze? In Hart, S. (ed).

.Shared resources: Issues of governance. Gland, Switzerland: International

Union for the Conservation of Nature and Natural Resources.

Chiew [M15] H. 2010. former Environmental Reporter, The Star. Kuala Lumpur.