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Students usually learn many lessons while they are in school. Some of the lessons are learned in the classroom, books and out of life experiences. One of such lessons learned through life experiences is the danger they face because of credit card use. Credit card companies solicit college students without considering the after effects of the high credit debt for the students. The companies use various techniques in order to lure the students in colleges, for example, special interest rates or free prizes and gifts.

The companies also offer education services to students to give explanations to the students why the cards are important to them. This problem starts when students apply for these cards but have poor debt management. Students are lured to acquire these cards due to the marketing ploys, which are directed to them. The ploys include giving items in exchange for the application for a credit card or its usage for the first time. Example of these items includes video game systems, gift cards or free airline tickets.

Students get into debts because they have an assumption that they can get out of debt after they graduate from college. This is usually a misguided belief because the credit cards have high interest rates (Santrock & Halone 2008). The students do not have knowledge of interest rates that accompany the credit cards. Students feel comfortable to accumulate the debts because they believe that the current financial situation, which they face, is temporary and that the debt is short term and could be repaid easily.

Therefore, they do not view it as a problem. This burden, which students carry into their future, hurts them in many ways. Their future budgetary plans are affected because they have to pay credit cards debt, which has high interest. (Santrock & Halone 2008). References Santrock, J. & Halone J. (2008) Your Guide to College Success: Strategies for Achieving Your Goals, 6th edition, Boston, Cengage Learning.

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  1. A single component substation that makes use of a insulation device with an unparallel insulation performance assures a greater density value with an enhanced environmental favorability as it has the ability to decrease the substation area or space to close to approximately 50% of the space needed by the latest gas substations. In order to be able to research the typical design for this substation, identification of the major application tools, methods and technologies was made and they include the hyper link application, an application to determine the interior of solids, the solid insulation AC changer application. The technology also includes a form of design technique that will incorporate all the application together. Another target of the project is the design of a package substation that can gives rise to another substation by simply linking the installed boxes. The technologies involved include the insulation transformer application and the large current connection technology called the hyperlink technology. B) 1.Iinsulation transformer application The achievement of CO2 volume discharge, the design of portable small solid transformer, the realization of thirty percent decrease of loss in comparison with the existing orthodox transformer is aimed at by the use of spiral shaped coil with horizontal loop and a heat conductivity gadget in order to lower the coil temperature. Two coils are designed one with orthodox copper wire and the other with horizontal spiral winding and the two are compared for temperature increase at the middle of the winding. The outcome reveals a fall in the temperature and this triggered the possibility of remarkable design at a 345 kilovolt, 300MVA solid transformer with smaller size in terms of weight and volume than the orthodox transformer while establishing a close to thirty percent decrease in the heat loss. 2. Hyperlink application In order to achieve this small but efficiently arranged linking device needed for the connection of the 345KV gadget at the substation, a hyperlink was developed. This allows for super connection as it gives opportunity for connection and disconnection operations in a highly adaptable and flexible cable by making use of a connector. Evaluating the insulation size and capacity reveals that a 345 kilovolt linker having a low capacity (1/25m3) which is closely o.2 fraction of that of common and usual 345 kilovolt XLPS energy cable linker(1/5m3) can be generated with a DC- insulation power of interfacial state leaving out the limitations of an air containing layer. References Proposal of Solid Substation”, CRIEPI Report W00047 (April, 2001) Development of Compact Soil Insulation Connector (Hyper-Connector)”, CRIEPI Report W01025 (April, 2002) Zuberi, K.H (2003). “Powerline Carrier (PLC) Communication systems”. Retrieved on May 16, 2009 from http://www.it.kth.se
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