Thursday, December 5, 2019
Could World War II in Europe Have Been Avoided Essay Example For Students
Could World War II in Europe Have Been Avoided? Essay East Spring Secondary School| History Project | Could World War II in Europe be Avoided? | Amirul Maricar (32) 3E2 | From the first day that he seized power, January 30, 1933, Hitler knew that only sudden death awaited him if he failed to restore pride and empire to post-Versailles Germany. His close friend and adjutant Julius Schaub recorded Hitlers jubilant boast to his staff on that evening, as the last celebrating guests left the Berlin Chancellery building: No power on earth will get me out of this building alive! David Irving, Hitlers War: An introduction to the new edition (1989). World War II in Europe could have been avoided. Why? How? Before all that we must go back and first look at the causes of World War II. Historians have suggested many reasons why World War II broke out in 1939. However, have you realized that the World War II was the culmination of the inter-war period. The five most important causes, therefore, were: Treaty of Versailles solved nothing It is often claimed that the Treaty of Versailles was a failure. And even many historians say that the Treaty angered the Germans, and did not even satisfy the Big Three. Reparations left many people in the victorious nations feeling guilty. The loss of all that land to other countries simply made Hitlers early aggression look justified. Self-determination surrounded Germany by a lot of small nation states that fell easy prey to Germany. But, most of all, the Treaty made the Germans angry, just waiting their chance for revenge. League of Nations failed to keep the peace It was weak from the beginning, and had spectacular failures in Manchuria and Abyssinia, and in making Hitler keeps the Treaty of Versailles. It failed to achieve disarmament. Countries left the failing League, and realized that they would have to fight a war. Appeasement Appeasement means giving in to a bully. Nowadays, many people criticize Chamberlain for appeasing Hitler. There were many reasons why Britain appeased Hitler in the 1930s. Historians have ascribed every possible motive to Chamberlain sheer abject cowardice, that he was duped by Hitler, that it was a noble attempt to prevent bloodshed, that he was buying time for Britain to re-arm and many others! Appeasement encouraged war. It made Hitler think no one dare stop him, which encouraged him to go further and further until in the end he went too far. The Sudetenland led Stalin to make the Nazi-Soviet Pact, because he believed he could not trust Britain. Hitler Many historians ââ¬â and Hitler himself ââ¬â claimed that he wanted to reverse the Treaty of Versailles My foreign policy was to abolish the Treaty of Versailles. It is futile nonsense for the rest of the world to pretend today that I did not reveal this program until 1933 or 1935 or 1937. Instead of listening to foolish chatter, these gentlemen would have been wiser to read what I have written thousands of times. Hitler, talking on 15 March 1939. But, many historians still think that the Second World War was Hitlers personal war, and that he always intended to fight a war as a re-run of a First World War he did not believe that German had lost fairly. This drawing by the British Cartoonist David Low (20 March 1935) is titled Cause comes before effect. The cartoon shows Hitlers armies marching past him but at the front are politicians such as Chamberlain, Clemenceau, Laval and Mussolini, and they are saluting Hitler too. They have rolled up the Versailles Treaty and carry a flag saying 10 years of lost opportunity. The message of the cartoon is that Hitler may be bringing war, but it is the politicians of France, Britain and Italy who are to blame for letting him. There has been much debate amongst historians about Hitlers aims: * | * Some historians argue he had no aims at all, making up his policies as he went along, responding to situations when they arose. | * Some historians argue that Hitler wanted a Greater Germany (the invasions of Austria and the Sudetenland were claimed by Hitler to be the regaining of Germans for Germany) ââ¬â but others have pointed out that ââ¬Ëthe move into the rest of Czechoslovakia showed that Hitler wanted more than just German landââ¬â¢. ââ¬â yet he left Germanys new western frontiers with France and Belgium intact. | Putting that all aside could War in Europe be avoided? I still think so. There a many ways the war could have been avoided. But i think that they can be boiled down to three main ones Treaty of Versailles .u46f49bac58ce94d33b84f84c0bec146d , .u46f49bac58ce94d33b84f84c0bec146d .postImageUrl , .u46f49bac58ce94d33b84f84c0bec146d .centered-text-area { min-height: 80px; position: relative; } .u46f49bac58ce94d33b84f84c0bec146d , .u46f49bac58ce94d33b84f84c0bec146d:hover , .u46f49bac58ce94d33b84f84c0bec146d:visited , .u46f49bac58ce94d33b84f84c0bec146d:active { border:0!important; } .u46f49bac58ce94d33b84f84c0bec146d .clearfix:after { content: ""; display: table; clear: both; } .u46f49bac58ce94d33b84f84c0bec146d { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u46f49bac58ce94d33b84f84c0bec146d:active , .u46f49bac58ce94d33b84f84c0bec146d:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u46f49bac58ce94d33b84f84c0bec146d .centered-text-area { width: 100%; position: relative ; } .u46f49bac58ce94d33b84f84c0bec146d .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u46f49bac58ce94d33b84f84c0bec146d .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u46f49bac58ce94d33b84f84c0bec146d .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u46f49bac58ce94d33b84f84c0bec146d:hover .ctaButton { background-color: #34495E!important; } .u46f49bac58ce94d33b84f84c0bec146d .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u46f49bac58ce94d33b84f84c0bec146d .u46f49bac58ce94d33b84f84c0bec146d-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u46f49bac58ce94d33b84f84c0bec146d:after { content: ""; display: block; clear: both; } READ: Performing and Visual Arts Essay PaperThe treaty that ended WWI was very harsh on the Germans. It blamed Germany for the entire war (even though it was the Austrians fault) and punished them. We have France to blame for this unfair treaty. If the Treaty of Versailles had not been so harsh, Hitler may never have been able to rise to power in the same way that he did. League of Nations This is a controversial issue. If the United States had joined the League of Nations, it would have been undoubtedly a lot stronger. But could it have been effective? I do not think there is any way to know for sure. But it wouldnââ¬â¢t have done any harm. Appeasement The European nations (particularly Great Britain under Chamberlain) let Hitler conquer whatever he wanted and made little effort to stop him at all. When Hitler found out that he could have basically any eastern European nation he wanted, he did not hesitate at all. The best example of appeasement was at the Munich Conference when Hitler promised not to invade Czechoslovakia but he did anyway. When Hitler invaded Poland, which was the last straw. Unfortunately, it was too late. In conclusion, To stop World War II, all the allies needed to do was to stand up to Hitler and say no. If they had stopped the re-occupation of the Rhineland, or the Anschluss of Austria, or the Sudetenland crises, the German generals would have deposed of Hitler. If the allies had objected strongly enough with the threat of military action against the trashing of the Versailles treaty, Hitler would have been stopped. Any of these actions would have led to the probable loss of face by Hitler and possibly see him ousted by the generals. This would have led to a potential coup and a Germany led by the military, which may still have involved World War II happening. The root causes for World War II lay way back in World War I and the Versailles treaty. If this treaty had been not so harsh, or if the allies had indeed wanted to help Germany instead of blaming her, then the underlying causes for World War II might have been avoided. Resources http://wiki. answers. com/Q/How_could_World_War_2_have_been_prevented http://www. johndclare. net/RoadtoWWII7a. htm http://www. 4forums. com/political/history-debates/133-how-could-wwii-have-been-prevented. html http://en. wikipedia. org/wiki/Causes_of_World_War_II
Thursday, November 28, 2019
Eleanor Roosevelt Essays - Livingston Family, Delano Family
Eleanor Roosevelt The Contributions of Eleanor Roosevelt Anna Eleanor Roosevelt was born in New York City on October 11, 1884. She was one of America's great reforming leaders who had a sustained impact on national policy toward youth, blacks, women, the poor, and the United Nations. As the wife of President Franklin D. Roosevelt, she was one of the most active First Ladies as well as an important public personality in her own right. When Eleanor Roosevelt traveled to New York City a week after her husband's funeral in April 1945, a host of reporters were waiting at the door of her Washington Square apartment. The story is over, she said simply, assuming that her words and opinions would no longer be of interest once her husband was dead and she was no longer First Lady. She could not have been more mistaken. As the years passed, Eleanor Roosevelt's influence and stature continued to grow. Today, she remains a powerful inspiration to leaders in both the civil rights and women's movements. Eleanor shattered the ceremonial mold in which the role of the First Lady had traditionally been fashioned, and reshaped it around her own skills and her deep commitment to social reform. She gave a voice to people who did not have access to power. She was the first woman to speak in front of a national convention, to write a syndicated column, to earn money as a lecturer, to be a radio commentator and to hold regular press conferences. The path to this unique position of power had not been easy. The only daughter of an alcoholic father and a beautiful but aloof mother who was openly disappointed by Eleanor's lack of a pretty face, Eleanor was plagued by insecurity and shyness. An early marriage to her handsome fifth cousin, Franklin Roosevelt, increased her insecurity and took away her one source of confidence: her work in a New York City settlement house. For 10 years, I was always just getting over having a baby or about to have another one, she later lamented, so my occupations were considerably restricted. But 13 years after her marriage, and after bearing six children, Eleanor resumed the search for her identity. The voyage began with a shock: the discovery in 1918 of love letters revealing that Franklin was involved with Lucy Mercer. The bottom dropped out of my own particular world, she later said. I faced myself, my surroundings, my world, honestly for the first time. There was talk of divorce, but when Franklin promised never to see Lucy again, the marriage continued. For Eleanor a new path had opened, a possibility of standing apart from Franklin. No longer would she define herself solely in terms of his wants and needs. A new relationship was forged, but on terms wholly different from the old. She turned her energies to a variety of reformist organizations, joining a circle of post suffrage feminists dedicated to the abolition of child labor, the establishment of a minimum wage and the passage of legislation to protect workers. In the process she discovered that she had talents-for public speaking, for organizing, for articulating social problems. She formed an extraordinary constellation of lifelong female friends, who helped to ease the worry of an enduring sense of loneliness. When Franklin was paralyzed by polio in 1921, her political activism became an even more vital force. She became Franklin's eyes and ears, traveling the country gathering the grass-roots knowledge he needed to understand the people he governed. They made an exceptional team. She was more earnest, less devious, less patient, less fun, more compromisingly moral; he possessed the more trustworthy political talent, the more finely tuned sense of timing, the better feel for the citizenry, the smarter understanding of how to get things done. But they were linked by indissoluble bonds. Together they mobilized the American people to effect enduring changes in the political and social landscape of the nation. Dealing with programs in the South, she was stunned to find that blacks were being systematically discriminated against at every turn. Citing statistics to back up her story, she would interrupt her husband at any time, barging into his cocktail hour when he wanted only to
Monday, November 25, 2019
The 15 Best Books on Writing A Reading List for Novelists
The 15 Best Books on Writing A Reading List for Novelists The 15 Best Books on Writing: A Reading List for Novelists Okay, we know what youââ¬â¢re thinking: why compile a list of the best craft-basedà books when most people these days learn exclusively from blogs, podcasts, and YouTube videos? Well, because we still think thereââ¬â¢s something to be said for the long-form enjoyment and value of picking up a book and learning directly from an author - especially if youââ¬â¢re angling to become an author yourself. Indeed, both the technical wisdom and biographical experiencesà of these writers can be hugely beneficial as you develop your own process.For this post, we asked an online community of writers to suggest some indispensable books about writing. With their answers in mind, here are 15 of the very best books on writing to help you hone your craft to perfection! 15 incredible books on writing to help you write YOUR dream book ðŸâËðŸ â 1. On Writing by Stephen KingPerhaps the most-cited book on this list, On Writing is part-memoir, part-masterclass from one of Americaââ¬â¢s leading authors. Come for the vivid accounts of his childhood - and his extended "lost weekend" of drinking and drugs in the 1980s. Stay for the specific, actionable advice on what it takes to become an author. Among the many craft-based tips are Kingââ¬â¢s expert takes on plot, story, character, and more, which he's used to pen countless novels and short stories.From the book: ââ¬Å"Amateurs sit and wait for inspiration, the rest of us just get up and go to work.â⬠Two Types of Writers: Plotters and Pantsers Read post 5. Take Off Your Pants by Libbie HawkerOf all the titles on this list, Take Off Your Pants has to be the most eye-catching. But rather than remarking on the joys of working from home, this title actually alludes to being a pantser: a writer who dives straight into their draft with little more than an idea. Hawker doesnââ¬â¢t dissuade writers from ââ¬Å"pantsing,â⬠but does note that structure tends to help, at least in her experience. This book details her process for planning a story, offering various tools and techniques for nailing your book before you start typing ââ¬Å"once upon a time.â⬠From the book: ââ¬Å"When it comes to the eternal quandary of pantsing or plotting, you can keep a foot in each camp. But if your goals will require you to write with speed and confidence, an effective outline will be your best friend.â⬠"Take Off Your Pants" by Libbie Hawker + 14 other essential books on writingðŸââ" 6. Writing into the Dark by Dean Wesley SmithAnd for those who eschew structure altogether, weââ¬â¢ll refer you to this title from prolific science fiction author Dean Wesley Smith. Having authored a number of official Star Trek novels, he encourages writers to go boldly into the unknown, with an approach to writing books that doesnââ¬â¢t necessarily involve an elaborate plan.From the book: ââ¬Å"Imagine if every novel you picked up had a detailed outline of the entire plotâ⬠¦ Would you read the novel after reading the outline? Chances are, no. What would be the point? You already know the journey the writer is going to take you on. So, as a writer, why do an outline and then have to spend all that time creating a book you already know?â⬠7. Everybody Writes by Ann HandleyThe full title of this all-inclusive book on writing is actually Everybody Writes: Your Go-To Guide to Creating Ridiculously Good Content - which should tell you something about its universally encou raging nature. Not only does Handley have some great ideas on how to plan and produce a great story, she also provides tips on general content writing, which comes in handy when itââ¬â¢s time to market your book. And while the central message of Everybody Writes may be right there in the title, we can attest that its material will make you see writing in a whole new light.From the book: ââ¬Å"In our world, many hold a notion that the ability to write, or write well, is a gift bestowed on a chosen few. That leaves us thinking there are two kinds of people: the writing haves - and the hapless, for whom writing well is a hopeless struggle, like trying to carve marble with a butter knife. But I donââ¬â¢t believe that, and neither should you.â⬠8. How to Become a Successful Indie Author by Craig Martelle Be the architect of your story. (Image: Khara Woods on Unsplash)15. The Writer's Journey: Mythic Structure for Writers by Christopher VoglerAnd finally we arrive not merely at prolific structure, but at mythic structure. Voglerââ¬â¢s book, originally published in 1992, is now a modern classic of writing advice; though intended as a screenwriting textbook, its contents apply to any story of mythic proportions. In The Writerââ¬â¢s Journey, Vogler takes a page (literally) from Joseph Campbellââ¬â¢s Hero of a Thousand Faces to ruminate upon the most essential narrative structures and character archetypes of the writing craft. So if youââ¬â¢re thinking of drawing up an epic fantasy series full of those tropes we all know and love, this guide should be right up your alley.From the book: ââ¬Å"The Heroââ¬â¢s Journey is not an invention, but an observation. It is a recognition of a beautiful designâ⬠¦ Itââ¬â¢s difficult to avoid the sensation that the Heroââ¬â¢s Jou rney exists somewhere, somehow, as an external reality, a Platonic ideal form, a divine model. From this model, infinite and highly varied copies can be produced, each resonating with the essential spirit of the form.â⬠Thatââ¬â¢s all the recommendations we have for now - but weââ¬â¢re always looking for more! Tell us in the comments: what are your favorite books on writing, and why?
Thursday, November 21, 2019
Final for HS 5900 Essay Example | Topics and Well Written Essays - 1500 words
Final for HS 5900 - Essay Example Adult education curriculum and content varies from country to country, community to another and between contents, this is because the need for the education varies. Specifically, adult education varies in content like educating adults who have no high school diploma by imparting that level skills to earn a diploma. Some adults are illiterate in language (reading and writing) and basic math. It takes the initiative of the government and civil society to deliver education to those who are illiterate. During times of unemployment, employees can go through education sessions to keep them busy, when they are hired back, they have the skills to continue. There are those who need skills n a trade like welding, masonry, art, carpentry, technicians and community development. There could be adults with jobs and would wish to improve skills specific to the job to earn promotion or retention in case of downsizing. Historically, original forms of adult were aimed at enabling the adults to read an d write while doing bible studies after it was widely accepted to be read. During agrarian and industrial revolution, adult education was meant to equip the population with skills to work in farms, stores and factories. There are five philosophies in adult education; liberal, progressive, behavioral, humanistic and radical. The role of adult education in every situation will determine the category under which the philosophy will be characterized. For example, liberal is meant to impart principles and absolutes aimed at well-rounded perspective of the world lasting a lifetime. In progressive, learners gain problem-solving skills relating to their lives to provide practical skills out of the experience of the learner (Jarvis 111). Behavioral philosophy, as the name suggests, is to promote behavioral change and skill development with the education environment being structured. The learners have no input in the setting of the objectives, their role being to master every skill before mov ing to the next. Humanistic philosophy is meant to foster personal growth and development by involving the learner in knowledge construction and self development. The learner is motivated and directs the learning process. The last philosophy is radical where education is used as a means to bring about fundamental changes socially, economically, politically and culturally. It is meant to empower individuals to fight for change and raise awareness on issues of social justice to bring about a revolution. The learner here is a voluntary participant in the process with teachers holding equal status as them as they are merely facilitating support for the status quo challenge. In all these diversities, adult education has to remain as they are as they serve different roles for different individuals. It might be expensive for sponsors of the system, but the objective is far greater than the costs of not educating the adults. Religion would not have reached many as it is today and agrarian a nd industrial revolution would not have succeeded. Social change cannot be realized, and political autocracy will continue. Currently, there are dynamic changes in the global stage in information, economic shifts, technology, and politics. It is happening at farfetched locations, far from the control of any power referred to as globalization. The ambivalent impact it brings along poses a great challenge to
Wednesday, November 20, 2019
RECRUITING Research Paper Example | Topics and Well Written Essays - 2500 words
RECRUITING - Research Paper Example The industry of recruitment has its basis on the objective of facilitating a candidate or job seeker for a reward. On one end of the continuum, there exist the recruitment agencies which find jobs for the candidates and get their reward only when the candidate that they deliver to the organization stays with it for a long time. The individual has to spend a certain probationary period with the client. The other end of the continuum comprises of certain recruitment agencies which are given a retainer who concentrates on, analyses the needs of the clients, and accomplish the targets and milestones that are set in terms of the search for the right candidate. These agencies are again rewarded with a certain percentage of the salary of candidate as soon as the individual is placed in the organization and works even after the period of probation ends. The recruitment industry of the present age is sufficiently competitive, and this is the reason that there are various ways that have been s ought out by the agencies that aim to distinguish themselves and provide value added services by concentrating on the diverse areas of recruitment life cycle. 4 The various job search engines and recruitment websites are utilized to collect the maximum number of potential candidates by posting the vacant advertisements of the vacant position across a broad geographic area. Though, it is supposed to be a cost effective option, yet, a department manager or human resource department will consume time in addition to their normal responsibilities in screening through the resumes. 5 Various organizations desire to develop in-house recruitment and branding strategy of employer instead of the proper recruitment firms. The technological factor, in the current era, has resulted in the emergence of meta-search engines which permit the people seeking jobs in different professionals, to browse through different
Monday, November 18, 2019
Films and Filming Essay Example | Topics and Well Written Essays - 3000 words
Films and Filming - Essay Example On the other hand cinema is making the viewer believe that the train coming towards him is real, making the unreal look real. These two qualities of Cinema led to the division of cinema into documentaries and feature films. Of these the feature films or story telling films developed into the commercial cinema or the mainstream cinema. The revolt against the commercialization of the art of cinema led to the emergence of the experimental cinema. Side by side with these the documentary cinema existed as one of the greatest traditions of cinema. This paper examines Hollywood Cinema as a model of Commercial cinema or the main stream cinema. The French New wave film movement, with Jean Luc Godard and his film Breathless will be analyzed as an example for the experimental cinema. HOLLYWOOD: Hollywood, in Los Angeles, California is all about stars and glitter. The area now known as Hollywood was sparsely populated in the seventeenth century when the Spanish explorers entered there .Santa Mon ica Mountains towered over the area and in the canyons of these mountains lived the Native Americans. By 1870s the area was a flourishing agricultural area, with crops like hay and grain, bananas and pine apple. In 1910, film maker D.W. Griffith working for Biograph Company, came to Downtown Los Angeles, and with his acting troop to shoot films. Thus it was Griffith who shot the first ever movie in Hollywood, then without a studio. The film was called ââ¬Å"In Old Californiaâ⬠. It was a Biograph melodrama.
Friday, November 15, 2019
Credit Cards Versus Cash
Credit Cards Versus Cash This paper talks about consumers preference in purchasing products by cash or by credit cards. Credit cards have become important in consumers lives and have changed the way they perceive products. During the past few years various things have occurred which has made the world change drastically. Technology is being developed each day by producing different products which are making peoples lives much easier. So has the idea of purchasing products by credit cards. The 2000s was the moment where credit cards became popular and important to consumers (A Decade of Cards, 2000-2010 and beyond). Credit cards have become an alternative way to pay from the simplest products to the most important ones. The need to put all the payments in one simple card has been a huge benefit for consumers. This was proved when in 2010 cash fell behind debit cards, making debit cards consumers favorite way of paying for products for the first time in history (A Decade of Cards, 2000-2010 and beyond). Credit cards have become extremely important to consumers and the differences between paying with cash or with credit cards have been experimented by many people who have given real evidence to these two ways of purchasing products. Since 1970s there have been facts which people have supported that credit cards increase spending (Prelec Simester, 2000). As a payment mechanism the use of credit cards increases the tendency to spend more on products than cash does (Chatterjee Rose, 2011). When credit cards are more available consumers think mostly about the products benefits than the cost of the products. Conversely, when cash as a payment is more available consumers place more importance on the cost of the product than on the benefit of it (Chatterjee Rose, 2011). Many examples have given real evidence to the theory that people who use credit cards spend more. Examples such as restaurants earn more tips when consumers pay with cards, some consumers forget the amount of money they spend on various products, and they tend to buy more in every department store, are facts related to the evidence that people really do spend more when using credit cards (Prelec Simester, 2000). High calorie foods, mostly junk food are becoming more expensive everyday and this is not just because of the economic way to motivate consumers choice but also a psychological motivation that makes consumers choose high calorie foods with pleasure (Bagchi Block, 2011). So when the cost of a product is higher, such as paying with cash, if we increase the benefits of that product there will be less pain of the payment (Bagchi Block, 2011). There is a variation in the countries worldwide who are cardholders particularly differing from those countries that are more developed than the less developed countries (A Decade of Cards, 2000-2010 and beyond). Income is an influence on credit card holding to those countries that are more developed such as the south east and some places in the north west since these places have the biggest credit cards per adult (A Decade of Cards, 2000-2010 and beyond). Credit cards are mostly used in purchasing food where the percentage of spending with cards in this area has grown in the past three years to 36% (A Decade of Cards, 2000-2010 and beyond). In the UK cards have had a huge influence in charity because by using credit cards humanity is growing even more within people (A Decade of Cards, 2000-2010 and beyond). An example of this is some cards that are named with a charitys name; these companies make donation whenever the consumer uses his/her card or even when they open an account for the first time (A Decade of Cards, 2000-2010 and beyond). Another way of people being voluntarily helpful for charity is online giving where the charitable money are increasing year by year (A Decade of Cards, 2000-2010 and beyond). Nowadays consumers are using credit cards instead of cash in every purchase they are making. Their preference is mostly on credit and debit cards rather than cash or checks (Consumers prefer plastic to paper payment, 2004). In 2003 cards were used for 53 percent of purchases, while cash or checks were used for 47 percent (Consumers prefer plastic to paper payment, 2004). Companies dealing with credit cards are enhancing their usage by marketing new cards that perform like cash and dont acquire interest charges like credit cards do (Consumers prefer plastic to paper payment, 2004). Furthermore, companies are trying to make different industries offer their consumers the choice of paying with credit cards (Consumers prefer plastic to paper payment, 2004). Prior researches have figured out that when consumers make a decision about a product, credit cards encourage them to spend more than cash does. However, they have not yet discovered whether cash is an influence towards the choices of products (Bagchi Block, 2011). So the studies provide evidence that people consume more calories and impute higher costs when purchasing with cash rather than a credit card (Bagchi Block, 2011). Nevertheless, when consumers are grocery shopping they tend to purchase more food when using credit cards since the greater the prices of food, the greater the indulgent of the preferred food (Bagchi Block, 2011). The way consumers experience the payment of products strengthens the different ways they pay- cards or cash (Bagchi Block, 2011). As a result, consumers think of cash real money and spending cash is more important. The more real the loss of money such as cash payment, the greater is the pain of giving the money for a product. On the contrary, credit cards are more looked as less hurtful and are spent more easily because you dont see the money; sometimes they may even be treated as play money (Bagchi Block, 2011). Thus, imputed cost are greater when using cash because the great er the imputed cost of spending, the greater is the chance to choose high calorie food (Bagchi Block, 2011). The advantages of using credit cards is the ability of paying for a great period meaning that you can purchase as much as you want and pay later with no interest charge (Cohn, 2010). This lets your money stay in the bank and earn interest as well as making you more flexible with cash flow (Cohn, 2010). Credit cards also have reward programs which consumers are benefiting. For example, a financial planner Frank Remund used his visa signature card to purchase a product. While calculating what he had earned and what he had saved using discount coupons he stated that he paid only $380 for the product which is actually sold for $800 (Cohn, 2010). Moreover, by using his card he managed to increase his warranty period (Cohn, 2010). The other huge advantage of using credit cards is the security that they hold. By carrying big cash with you, there is more possibility for the money to be stolen from you. However, if your credit card is stolen your liability is restricted at $50 and if you have been a loyal customer to the bank, they will credit your account in no longer than a few days (Cohn, 2010). Moreover, if the product you purchased happened to have a problem or you simply arent satisfied with its quality, then if you have purchased it with your credit card there is more likelihood for you to return it than there would be if you had bought it by cash (Cohn, 2010). Nevertheless, except for the many advantages credit cards have there are also some disadvantages when using credit cards. One of the disadvantages of credit cards are high interest charges (Compare Credit Cards). Credit card companies usually charge high interest fees like 20% for the purchases that havent been paid in months (Compare Credit Cards). Another huge disadvantage for credit cards is the temptation to overspend. Many people have difficulties in managing their money so when they pay with credit cards they tend to overspend without thinking further. Because credit cards allow you to spend money and not pay them upfront, people get too excited and think just for that moment; so they tend to forget about paying them later on (Compare Credit Cards). Furthermore, it is more difficult to remember what you have purchased when buying with credit cards. So, if you have taken too long to pay for the purchase you might be surprised when the bank informs you for the amount of payment y ou have to make (Compare Credit Cards). Three experiments show consumers behavior towards credit cards and cash. Consumers primed with credit card as a payment mechanism make more recall errors with respect to cost-related aspects of the product than to beneà ¬Ã t aspects (study 1), identify more words related to beneà ¬Ã ts (study 2), and respond faster to beneà ¬Ã t-related words (study 3) than consumers primed with cash concepts (Chatterjee Rose, 2011). In the fourth experiment, we look thoroughly through the outcome of the payment prime to the choices of the products (Chatterjee Rose, 2011). Consumers using credit cards have more possibilities in looking at the products with greater benefits, whereas consumers using cash mostly choose the options that are ruled by cost even if there is less benefit of that particular product (Chatterjee Rose, 2011). Considering these four experiments, consumers distinguish the same products in different ways when choosing to use credit cards rather than cash (Chatterjee Ro se, 2011). Furthermore, credit cards increase the awareness of the benefits of products in that way persuading the reservation price and product valuation and also making consumers choose the options of products more attractively (Chatterjee Rose, 2011). For consumers, products have a different meaning when they are bought with credit cards and when they are bought with cash. Thus, the credit card premium is not due solely to differences in decoupling from pain of payment (i.e., reduced salience of costs) or to physical form, but in addition, the salience of product beneà ¬Ã ts is enhanced when thinking of paying with credit (Chatterjee Rose, 2011). If consumers goal is saving money, then the cost of the product becomes more important than the benefit the product carries. However, if the consumers goal is to purchase a product with high quality that is beneficial for the consumer, then the cost of the product will be less important thus becoming more psychologically relevant (C hatterjee Rose, 2011). In order to prove that people use more calories and impute higher costs when buying with cash relatively to credit cards, a study in a frozen yogurt retail store was experimented (Bagchi Block, 2011). 125 customers were recruited in a substitute of $1 discount of their next purchase and only the ones who bought a product for themselves were allowed to be a part of the survey (Bagchi Block, 2011). After customers ordered and purchased their products, the nutritional value of the products purchased by the customers were calculated and used as an evaluation of indulgence (Bagchi Block, 2011). In this study the customers were asked to tell about the price they paid for the products purchased, whether they thought it was expensive or not, and the method of payment (Bagchi Block, 2011). The results of the study showed how consumers that paid with cash did not pay more than those that paid with cards. However, consumers though that the imputed cost was much higher when buying with cash than credit card since their products seemed more expensive to them (Bagchi Block, 2011). This study explained how buying with cash feels more expensive and more hurtful than buying with credit card (Bagchi Block, 2011). Moreover, the costumers knew the method of payment before they purchased the products so this shows that customers were aware of the method they will use to pay for the products (Bagchi Block, 2011). Therefore, it is doubtful to state that the choice made for the food purchased had an affect on the method used for paying the product. After the study made with the yogurt retail, another study was conducted on a cafà © study for credit versus cash. In this study 147 students were taken and asked to tell their last time they purchased a product for $10 or less; and to choose a product from the restaurant that cost $10 or less (Bagchi Block, 2011). Further, the students were asked whether it was difficult to decide n their purchase and this was used for the study as a result of imputed cost (Bagchi Block, 2011). The results showed that consumers who paid with cash chose more calorie food than those who paid with card. Moreover, evidence showed that paying by cash created more indulgence than paying by card (Bagchi Block, 2011). Both study one and study two showed that theorizing is predicated on differences in pain of payment, or imputed costs associated with cash versus credit, rather than on the method of payment per se (Bagchi Block, 2011). There are other studies that show the willingness of consumers to purchase more products when using credit cards. In these studies two ways are mentioned in knowing whether the effect is relevant; only when the price of the product is uncertain or when the prices are known (Prelec Simester, 2000). The first study had to do with prices being uncertain. The experiment had to do with tickets for a sporting event where one ticket was for the game between Boston Celtics and Miami heat, whereas the other ticket was for the Red Sox and the Toronto Blue Jays (Prelec Simester, 2000). The people experimented were the MBA students. They were asked to enter a room and fill in their own sheet about the reservation values and then they would have the opportunity to win the tickets. Further on, the one that wrote the highest value would get the prize however the prize would be sold at a price identical to the second highest value (Prelec Simester, 2000). After that, two sheets were handed- cash condition sheet and credit card condition sheet (Prelec Simester, 2000). In the first sheet, it was required for the winners to make the payment with cash whereas in the second sheet the winners were asked to make the payments by credit cards. In the first sheet they were also asked whether they had access to cash machine and in the second sheet they were asked to tell the type of card they used and some information about the card (Prelec Simester, 2000). The result of this experiment showed that those who were asked to make the payment by credit card wrote down much higher values for the three tickets and the highest amount of money was for the Celtics tickets, whereas for the banners it was the smallest (Prelec Simester, 2000). In the second experiment, the prices are certain. This allows us to evaluate whether the credit card premium arises because customers adjust their valuations from different anchoring points in the cash and credit card conditions (Prelec Simester, 2000). For example, in the cash condition consumers might focus more on the amount of money they carry in their pockets. Whereas, in the credit card condition they focus on their credit limit or even their monthly bill (Prelec Simester, 2000). In the second study students of MBA were respondents and this time they had a chance to win a dinner certificate costing $175 (Prelec Simester, 2000). The steps for this price were to draw numbers randomly from zero to the price of the certificate and then choose a student randomly. Students were divided into groups depending on who will pay with cash and who with credit card (Prelec Simester, 2000). In this study the result was that there was no huge difference between credit card and cash conditions (Prelec Simester, 2000). Moreover, payment had a huge effect but only with those students who completed the credit card digits (Prelec Simester, 2000). Students who stated that they will pay with credit cards wrote down values 36% more than those who didnt (Prelec Simester, 2000). Therefore, the main effects of payment method and identification method were not significant (Prelec Simester, 2000). The information about the market price varied from the first study and the second one. This difference was taken for a reason to see whether credit card premium arose because consumers regulate their estimation of cash and cards in different circumstances (Prelec Simester, 2000). These two studies offer an idea as to the reason of the effect. They reveal the idea that consumers are more willing to pay with credit cards than they are with cash (Prelec Simester, 2000). The studies illustrate how credit cards make peoples decision much easier when purchasing a product. When people purchase with cash they find it difficult to buy expensive products since they can see their cash. However, with credit cards you dont get to see your cash, you just see a plastic card that sometimes makes you forget how much money you are spending. Moreover, through the studies we understood how consumers perceive products differently when purchasing with cash or with credit card. Those that purchase with cash are more likely to give more importance to the cost of the product than to the benefit and quality of the product. In contrary, those that pay with cards tend to give more importance to the benefits the product gives them than the cost of it (Chatterjee Rose, 2011). Further on, the willingness to pay grows when consumers pay with credit cards and this was shown in the two studies taken with the game tickets and the prize of certificate (Prelec Simester, 2000). How much consumers consume food with high calories was also examined with the methods of payment- credit and cash. Studies showed that those who purchase with cash consume more calorie food whereas those who purchase with credit cards consume less calorie food (Bagchi Block, 2011). When imputed costs are high, consumers indulge more. These imputed costs vary with the payment mode and also with how difficult it is to earn money. Thus, spending with cash (vs. credit) and spending cash that is more difficult to earn (rather than less difficult) result in more indulgent, high calorie food consumption (Bagchi Block, 2011). In the near future, technology will find its way in replacing credit cards by mobile phones since they will be the factor that will replace peoples wallets (A Decade of Cards, 2000-2010 and beyond). So, people will not have to carry their credit cards anymore since their mobile phones will have the ability to make a purchase either through credit or debit (A Decade of C ards, 2000-2010 and beyond). The research of credit cards versus cash help people understand the advantages and disadvantages each one has. Moreover, they explain how and why consumers behavior towards these two methods of purchasing changes when purchasing particular products. Further research should be conducted in order to see which one is better and safer to use. Research such as planning different surveys for consumers to answer their choice of the method of buying would be helpful in understanding consumers choice as well as reasons towards their decision. Furthermore, in order to research this further we should gather all the studies conducted and relate them with one another. In this way we will be able to understand more precisely the usage of credit cards versus cash by consumers. One last reason to research this further would be the development of technology. Since technology is changing rapidly, it will change the usage of cardholding. Therefore, research on future technology and how it will have an impact in the market area will be needed to be made. This way we get knowledge as to how things will change and whether it will be a positive or a negative thing for consumers to make purchasing decisions through their mobile phones.
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