With the world entering a consuming era, many people, especially young white-collars and college students, choose to borrow money. In other words, they spend money in advance _ use credit cards and pay back the loan and interest on tbe next payday. They argue that: first, they could enjoy the convenience of credit cards and purchase expensive goods by mstal^uents. Second, many banks make some preferential policies on credit cards, like sending a. gift or lowering year cost* which is a big attraction,
On my personal level, I approve of saving money — in case of emergency, you do not need to turn to others for help, at least. And Vm opposed to the abuse of credit cards among college students. Since in most cases, parents arc their sole ftnandal sources.


Reform of English Education
1.目前要求改革大学英语教育的呼声很髙
2. 产生这一现象的原因
3. 你认为应如何改革英语教育
As college English education is greatly emphasized with the rapid development of global commuiiicaticm，tbe defects that exist in the current educational system are open to more criticism- It is widely acknowledged that a thorough reform of college English education should be under way.
People ask for English education reform mainly because of the Inadequacy of college English education under the current system. On the one hand, many coilege English teachers underestimate the role interest plays in English learning and keep preaching in class. On the other h^nd, under the current system, most Chinese students tend to separate vocabulary memorizing, grammar, Hsteniiig, speaking, reading, and writing ftom each other and therefore their English is also “broken” in this way. This has also greatly contributed to the “dumb English” of many Chinese students.
In my view, to reform English education, colleges and universities should encourage students to speak English in class and hold more activities to promote students\' oral English. Teachers should focus on attracting students with vivid teaching and arouse students* enthusiasm in learning English. With the collaboration, the reform of college BngHsh education will surely yield pleatifu] fitiits.


Student Investors in the Stock Market
1.目前越来越多的大学生炒股
2.人们对大学生炒股看法不一
3.我的看法
China’s stock market is luring students looking to sec how their textbook teachings fare in real life. While there arc no concrete data on the student- investor, business professors say tbe market boom has boosted the number of students looking to play around with stocks. They invest in the stock market with money from parents and sometimes with amount equal to several times their annual tuition.
Some people are alarmed at the trend. As investing in the stock market involves many risks, they say，college students are very likely to lose, which may put students\' &miiy assets at risk. However, some are supportive. As more and more students become sbarebolders, they will help raise tie general quality of shareholders and there will be more rational stock buyers in securities market，which is actually a good thing.
In my view, college students may give stock investment a try if possible. Stock investment may be a way to make fast money and help finance students’ schooling. Even if the students are likely to lose in the stock market, it may still bring about valuable investment experience.


On Students\' Interpersonal Relationship
1.目前许多大学生处理不好人际关系
2.出现这种现象的原因
3.我的看法
Positive interpersonal relationships are vital for optimal humsit growth and development. However, in recent years, educators have expressed their concern about the ability of interpersonal relationship among students in institutions of higher education. According to a survey conducted by Hebei University, many
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college-age students regard interpersonal relationship as the biggest headache. Increasing diversity and rapid changes m our society make interacting with others more and more complex and difficult. With 1 united life experiences and social skills, college students face more challenges in dealing with interpersonal relationship. This is especially true for students coming from rural areas. Because of the lack of social skills, they are often rejected by others _ and rejection gives them even fewer chances to leam how to interact with others.

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