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As far as I know, one of the major causes for financial problems is that parents don't have a higher education and has a very minimal income. So the salary for both parents all together is still not enough for family to depend on. Some of the family only depends on their mother or father. It's because one of them might not have good results in their education at that time and now it is a hassle to get a job without a proper qualification or certificate. For example, if we are going to apply for a job, the first thing they will ask is about our qualification or our education because its important for finding a job nowadays. It has  become a problem for monthly payment simply because the salary is not enough for the family.

Besides that, is the weak  budgeting and money management skills. For example, we can know that nowadays most of us constantly use our credit and debit card when shopping and unfortunately fail to manage their money and budget until have a big cloud of problem over our head. If we cant handle our money or don’t know how to manage financial issue it will become a major  problem not just for parents but also including children.

Last but not least, is the  failure to control the emotional and egoistic management that gets in one's way. Our ego can get in the way of lot of things and one of them is our finances. We might think that we really do not need to know how to handle money because we already have a lot of it. Sometimes  this is also how some people think when they do not understand the need to manage such small amounts of money. We  feel that there is no need to manage our money because we 'know-it-all' and the thought of sitting down and talking about budgeting makes us feel old and taboo. If our ego gets in the way of money management, we will not have an idea on what happened to our money in a few months time.

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Firstly, inefficient financial management can causing the parents of a family to be unable to control stress well, inadvertently venting anger on their children   then it also effects their daily lives and depressed. It it due the issue money which is the most sensitive issue.Their parents will be stressed thinking about the house bills to be paid, personal savings and managing children's affairs. Seeing parents fighting may be a big distraction for any children. They will feel that they are just a place for parents to vent their anger.Thus, their children will feel very stressed if they continue to live in a tense environment.Negative stress should not be a part of children's lives as it can affect their physical and mental health.

Furthermore, poor financial management can also affect a student's learning. Students who come from family status low socioeconomics usually has a variety of problems such as having to work to help families, not being able to purchase equipment and learning materials that will ultimately affect their learning performance. Therefore, losing the quality of time with family and self is also less relaxing as most of the time is spent doing side work. As a result, they are able to remain silent and not socialize with friends. This thing too will lead to a decline in academic performance due to lack of interaction in acquiring knowledge.

Lastly, it is also can occur parents become depressed due to debt. Because of that, some people are willing to mortgage their jewelry and make personal loans to earn extra money, but they remain stuck in debt.The practice of indebtedness is quite sensitive and can lead to strained relationships. It is due when the debtor refuses to repay his debt.However, if we are not disciplined in planning expenses, we can also still not be able to solve the problem.

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CLASS L6A2
Financial problem already make a drastic impact to each families.The most noticable one is the lack of communication between family members.At this point, Improper communication also can leads to false assumptions, feeling that you know what is one their minds or always jumping to conclusions.For example is shopping addiction,when someone is out of control when they got out to shopping and spent a lot of money without thinking twice.As a result, they will face financial problems and become overwhelmed with debt that they make by their own.

Furthemore,choosing the wrong kind of advisor with incompatible strategy also can be the reason one of the main factor for financial problems.Each advisor have their own strategy but the some of it will reassure you to make aggressive investment.such as, they will put you at ease when handling over keys to your account.

Last but not least is unwise decision to use income and credit card not in proper way that lead to financial problem. Irresponsible credit card usage  can led to lack of self-control and a budget,automatically leading to increased spending habits.This also can effect your income each month to pay for it which leave you to really frustrated situation.For the impact,you will got yourself in trouble when you didn’t paying them off monthly.

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LA62

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Body essay:
Firstly, having a poor financial management can drive to argument . This is because they will ask for help to other family members and lending some money is the only way to help them. This can cause argument between the family members and left a very bad image to the family If they keep asking for help instead of improving their financial management. Thus, parents also will act harshly towards their child. The reasons of why parents behaviour being so harsh is because they are too stress about the financial. In a certain family, parents wo cannot control their emotion and anger will show their bad behaviour in front of their child and this also can leads to argument between them.

Secondly, living in a poor financial management yet with a poor parents behaviour makes child loss their interest of their own family. They start looking for entertainment to enjoy the life with their own way. Thus, teenagers nowadays are easily influence by their friends. Every moment they will put friends first instead of their family. This can cause lack of communication in the family as they not have a good family bonding. Plus, parents who are busy working and does not have a time for the family makes their child feels neglected by their own parents. As we know , every parents dreams are they want their child growing up in a good and stable family instead of living in a poor.  But , their behaviour and does not care about their child make the family relationship more even worse rather than being a good role model to their child.

Next, in a certain situation , facing a poor financial management also can drive people to do crime such as robbery . Living a life with a financial problems and have a family that not supportive at all makes people choose this way to solve their problems and have a better life than before even it is illegal to do . This is because , it is all about money to stay survive in this world . “No money no talk” is a description how important money is. Plus, this is the quickest way to earn money in a short time.

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Firstly, poor financial management can lead to a too much debt. Many people don’t know how to make a proper financial plan or budget for their families, it is very easy to spend beyond your means without being aware of it. It can also lead to overspending if someone can’t control it. As a result, sometimes debt can be crippling for household.

Secondly, poor financial can impact the children education compromised. Parents should manage finances responsibly. If parents can’t manage properly it can affect to academy performance children. Thus, children can’t focus on what they learning.

Lastly, during this time, economy is getting worse. Many people lost their jobs and became unemployed. Job loss is usually became shocking and it can be traumatic to someone. As a result, many people struggle just to meet their basic needs.

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(23/10/2020)

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To begin with,poor financial management should be important and make something to slove it like debts also know as dealing with money issue can sometimes be off pulling but if we don’t understand how things like credit or motargages work, it could end up losing out financially or getting our family deep in debt.Sometimes “a little debt won’t hurt,will it?” That’s how it starts.Make a small purchase on cerdit card and before you know it, we’re thousand in debt.When it comes more problem about debt,we need to take responsibility and try to solve it before it come too worst.
According to the debt issues,debt borrows from our future income. Anytime we take out a loan or charge something on credit card,we doesn’t know that we borrowing from the money we hope to earn in the future.Next,debt can lead to stress and serious medical problems.When we have debt,it’s hard not to worry about how we’re going to make from taking on more debt to make ends meet.The stress from debt can lead to health problems including ulcers,migraines,depression and even heart attack.This is more likely to we have to face not only debt but our health complications.Moreover,debt keeps we from reaching ours financial goals like monthly debt payments limit the amount of money we have to spend on other things not just retirement,but the trip we always wanted to take our family will be cancel or not have enough budget to trip and the less we have to spend on everything else that we plans also parents may not have as much money to put toward allowance or college funds for their teenage child.
This prove that by making debt too much can be worst to our family and not only we have to face problems in debt but we have lose by having great time with family that we plans.In tough economic times,other situation will be hard to deal with deal when this time many families lose their jobs,homes,retirement accounts,belongings,savings,health insurance and more.Their often struggle just to meet their basic needs.In this condition we might be more stressed out than usual because we might argue more and worry about how to pay for debt also other things that have not been settled as soon as possible.

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DANIEL JOSHUA FRANCIS (L6A2)  23/10/2020

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DANIEL JOSHUA FRANCIS (L6A2)  23/10/2020

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Having poor financial management is undoubtedly one of the major causes in a problematic family. It affects the whole household and in most cases these days, often end up in pretty ugly situations such as divorce and spouses having an affair with another person who are well off. It completely severs the bond and trust in a family, making them more susceptible to spend prodigally on things that are redundant and worthless just  as how women shop to 'relieve themselves' and how men love to 'treat themselves' unnecessarily.

Other than that, having poor financial management affects the whole family emotionally, especially children. For example, children these days need a large amount of money for occasions and not everyone is born with a silver spoon in their mouth. The moment when a parent doesn't give or provide them with sufficient money, they grow to be rebellious and ungrateful members of society within a very short period of time. This can cause the increase of guilt in a parent for not bringing up their children well enough for them to know the value of hard earned money.

Another very common but dull-witted mistake that parents make these days is that they want the best for their children, but tend to listen and follow the ways of today such as spoiling them by getting them anything they want,no matter the cost. The reason being is that they dont want to be called or branded as bad parents. Instead of having a father to son relationship, parents these days have a more open relationship with their children, more like friend to friend. This causes lack of respect among elders and he or she will grow up and become a problem in society, thus making them incapable of getting a good result in their education, being jobless and later continuing the cycle that was left by their parents.

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Poor financial management definitely does give a major cause of family problem towards the whole family. It can cause strife and problem with spouse and other family member. Children especially will be neglected by their parents and this automatically will effect their education. They cannot concentrate in their study and cannot give attention during the learning process. The parents also will suffer the bad effects such that they can’t give full commitment in their work and this will decrease their performance of job. Furthermore, someone easily can be stressful and this leads to depression. Once the person faces these situations they can’t think wisely and take simple way to solve such problem.

Greedy.The family who fall into poor financial management is normally traps of debt and overspending without even knowing it. The feeling of never having enough money or living paycheck to paycheck because it is common with this attitude when theyfall into financial problem they can’t take it and they become very stressful because can’t buy or get the stuff they want this also a major cause of family problem happend soo family members mindset should be strong to motivated to fix your financial problems.

Financial distress.. These debts or obligations include items such as home or rent payments, car payments and utility bills.The family who experience situations like these tend to go through it for an extended period of time and may ultimately be forced to relinquish assets secured by their debts or house because of this thing happend families are divided because they do not have the basic necessities that human beings need such as housing and food

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INTRODUCTION FROM RABIATUL

Nowadays money is one of the most important elements in one live because money is like air to keep on living. This is why I do agree with the statement that poor financial management is a major cause of family problems because families with financial problems often struggle just to meet their basic needs. The parents will be stress and depressed with insufficient salary to support the family and children too will be neglected by their parents. This is why we have to carefully manage financial well so not cause family problems.

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One of the biggest financial problems is that many people are jobless. Whether it's permanent, unemployed or temporary job loss, if a  member of the family is jobless, that is when they   easily fall behind. Sometimes the family member has had an illness that has caused them to lose their job or be considered medically unfit  to work in the future. This can cause them to experience financial issues and mounting medical bills and expenses. In most cases, poor saving habits, or mismanagement of funds can cause them to rack up their credit card bills and can't afford to pay their bills on time.

Next, lack of financial knowledge can be a major problem for families. Some people end up with debt and credit issues because they dont understand how to properly manage their funds, money and budgets. If the family is good at managing their money, they dont even have to live under the cloud of debt and be more stress free in their daily life.

Most of the time, financial issues happens because of unexpected hardship or an unfortunate event. For instance, a car accident or medical emergency in the family can leave them with a big, unexpected expense or disability that makes it difficult to work and continue to pay their living expenses.

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One of the major causes for poor financial management is the lack of financial knowledge.For example, nowdays most of people use credit and debit card and fail to manage their money and budget. If we can't manage our money properly it might end up causing major financial problems.

In addition, spending habits,overspending in luxury goods than basic needs and too much for basic items can decrease the amount of money in our bank account.At the same time, underspending on important things such as  insurance and healthcare  will not only lead to financial problems, but also health problems will occur.

Next, not saving enough money is also one of the major causes of poor financial management is when we fail to save money for any  emergencies or plans for the future.Expenses will increase and we won't able to pay them because of the lack of savings, So either we have to change our credit card or get a loan from a bank.

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Below is my accomplished task. Thank you.

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Write your BODY CONTENT using the format below.

Click (+) under the students work column to Write your answer. Don't forget to write your name in your posting.

ALERT: Just do for NO. II (Body) only.

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Persuasive/ Argument Essay - in 5 Pargraphs

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Persuasive/ Argument Essay - in 5 Pargraphs

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Referring to the topic sentences that you have stated in your introduction previously, you are required to write by following the TEEL format in each of your paragraph:

- Topic Sentence/ Point
- Elaboration
- Examples/Evidence
- Linkers/ Closing Sentence

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Email
Hi Wida ! How are you ?  I hope you are doing well at home . It is sad to hear from you that you had a chicken pox.And also cannot join this activities with you together

Yes.Indeed. There were many interesting activities in Robots Camp such as how to program robot by using laptops or monitor (pc) only , build a robot by using “ lego”
for kids and also for adults to.There are two activities that i like which is both of them because it helps me to be a creative and innovative mind.It also helps me know a new things in this time such as robots, gadgets,and so on,

No, I was not there in that time because I were busy building a lego.

Of course! Why not .. I love that you would join with me together.

I hope that you will get well soon
Bye!

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AGREE ...
Today, poor financial management is indeed affecting family problems. This is because a family institution is less sensitive and does not care about more efficient and effective financial management. In addition, greed and extravagant spending is also a source of financial management in the family irregular and planned and then burdens and causes various forms and problems among family members. Among them is the problem of excessive debt whether borrowing money based on halal or illegal sources. Not only that, a family institution that has a first-class mindset should make a paradigm shift by setting up a fund with a specific purpose in order to be able to manage, budget, and plan the use of money more carefully and effectively. Therefore, a family institution should take serious about financial management and need to think critically, rationally and wisely so that it does not become one of the problems among family members.

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Names DID NOT submit:

1. Fareez

2. Neshen

3. Rabiatul

Names Submitted:

1. Panitraa

2. Nana

3. Zalhanis

4. Joshua

5. Swathey

6. Faeez

7. Nimalaa

8. Samantha

9. Kalai

10. Suhaila

11. Fiza

12. Nadia

13. Hannan

14. Aina

15. Hasbie

16. Aleesa

17. Elly

18. Aqilla

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Names DID NOT submit:

1. Fareez

2. Neshen

Names submitted:

1. Hanan

2. Rabiatul

3. Aleesa

4. Aqilla

5. Elly

6. Suhaila

7. Sam

8. Fiza

9. Swathey

10. Pantitraa

11. Nana

12. Kalai

13. Aina

14. Faeez

15. Zalhanis

16. Nadia

17. Nimalaa

18. Hasbie

19. Joshua

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Names DID NOT submit:

1. Fareez

2. Nana

3. Rabiatul

Names Submitted:

1. Aina

2. Kalai

3. Aleesa

4. Hannan

5. Aqilla

6. Swathey

7. Zalhanis

8. Elly

9. Nimalaa

10. Neshen

11. suhaila

12. Faeez

13. Hasbie

14. Sam

15. Nadia

16. Panitraa

17. Joshua

18. Fiza

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FROM : AQILLA

Money is the most important thing to every families ,if they dont have a good skill to manage their money it definitely give the bad impact towards the whole family . As we all know the economy will increase every year ,if financial management is not stable it will lead to the use of creadit cards .In fact , this financial problems will also causes a family to suffer from lack of income and have to make a loan from Ah Long.I strongly agree with this statment that the poor financial management can lead to the family problems . It will give the bad effect such as not give full commitment in their work and will decrease their performance of job . This situation can be stressful and can lead to depression .It can causes strife and problem with spouse and other family members especially children will be neglected by their parents .

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Family is a unit that shares the same experiences, issues and challenges of life. I do agree with the statement “Poor financial management causes a family's major problems” . This is because in the present day all prices of essential goods are increasing year to year. Poor financial management cannot meet the daily needs of survival. This will cause family members to be depressed due to lack of primarily parents who do not manage money properly. The main factors that contribute to debt problems and the inability to repay loans are due to poor financial management. With the country's decreasing economic position due to the covid-19 pandemic per invitation to manage their finances efficiently so as to survive even if it is hit by a pandemic disaster as it is now. Management and planning are important in life especially those related to finance or property.

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FROM : ALEESA

In this competitive and modern era yet with the challenging economic environment  , many people nowadays are struggling to earn money . Most of them have set in their mind that everything revolves around money to survive for the entire life . Having enough money after all can leads to over-spending which can satisfy their impulse . I do agree with the statement that poor financial management is a major cause of family problems because they having difficulty to support basic necessities such as paying rent for their house , bills and family needs and more and this can leads to argument , rarely spend their time with the family members that can cause lack of communication and what even worse is having financial problem sometimes can drag someone to do crime such as robbery .

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"Among other thing, you'll find that you're not the first one who was ever confused and frightened and even sickened by human behavior”. Great words from J.D SALINGER. This is a proof that human beings are getting worst just to survive  in this world. Because, on this earth the most important element to survive is money. This is why I fully agree with the statement, a lot of things will happen when we can't manage our financial problem. As proof, these financial problems will affect the family because the parents will be stressed with it and unfortunately the children  at home also will face the same problem and get mad at each other. Other than that, not all parents have a higher education so this is why the salary is not enough for the whole family and consequently becomes a major problem for the family.

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Everyone wants a happy life but are they happy if they have poor financial management? These days, financial management is no longer considered as an option for the human population but instead it becomes a priority in life that must be mastered. If financial management is not planned well, then there will be many mistakes, waste, unsolved debts and unstable financial in economy basics.

It is clearly shown that, poor financial management is the main cause of family problems because the cost of living in the city is increasing day by day and it requires high expenses. In addition, most families will also find it difficult to find a place to live and have to be crowded among other people in squatter areas. Consequently, the cause of family financial problems can also cause us to owe a lot and ask for money from others ended up will makes us having more burden in our upcoming days.

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From Nur Hannan Izzati
Family is an important institution in a community. Strong family relationships is critical in ensuring positive influence to the nation as whole. One of the important components to maintain strong family is a good financial management. Good financial managements will ensure family’s basics needs will be fulfilled and all financial commitments such as house and car payments will be met. On the other hand, poor financial managements will lead to various economic, social and psychological issues such as mental stress and mental depression. However, with good support from family, friends and prudent management of expenses, financial issues can be managed properly, and therefore would not cause serious challenges in the family.When each family member and relatives care for each other, every one will take part to contribute solution to overcame the financial issues and play positive roles to turn the situation around. Good negotiation with financial institution may allow for more affordable monthly commitments or longer payment term. Therefore I disagree that poor financial managements is a major cause of family problems, but a minor and manageable one.

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At the present time, money are one of the most important assets that every individual should possess depends on how their lifestyle is. It cannot be denied that money holds a very high value in human's daily life. This is because we need money for every single thing in daily life such as foods, drinks, the electricity, our mobile phone prepaid bills and more. People especially tend to overspend on food because all of us consumes different amount of food and we have our own preference about food. Besides that, it is normal for a normal human being to have interest in something else such as online shopping to satisfy their demand. For this case, majority of us tend to overspend for online buying because the price offered are much cheaper than physical buying and it is more convenient because you do not need to queue up in long lines until your feet became numb. Moreover, every single of us in the society was born in different types of family only some of us are lucky enough to be born in a financially stable household. I strongly agree that poor financial management often leads to family problems.

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FROM:HAFIZA

STATEMENT:POOR FINANCIAL MANAGEMENT IS A MAJOR CAUSE OF FAMILY PROBLEMS

Nowadays, In this modern society, money is one of important thing that we need in our life.The reason why is to running some errands or to bought something must using a money.On the other hand,Thing like this  also happened for each family but it depends on how they deal with their own problems.For my perspective,I strongly agree with this statement that poor financial management is a major cause of family problems.Moreover,I believe  situation like this is happening  because some of this family doesn’t have a higher education or certificate that lead to have a low salary from their job.As a result,they didnt know the proper way to handle their financial problem and make it difficult for themself.

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Nowadays, many people have the mindset that everything revolves around money and always struggle to manage their financial management. I do agree that financial management is a major cause of family problems. Many people fail to manage it because they don’t know how to handle financial plan. Also, they don’t have financial education and it can affects their families problems because most families with financial problems often struggle just to meet their basic needs.

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Financial problems happen to everyone ar some point, especially for families. Poor financial management happens when the families income level is too low. The most known factor is the most of the family members do not have any financial education and do not know how to manage or handle their finance. So, in my opinion, I agree that poor financial management is major cause of family problems. So I will discuss about poor financial management cause  crimes to happen example a family member starts to steal, fights in house because can't afford food and electricity bill and waste their money.

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Introduction:
In this era, money is something we need in our daily life as the proverbs goes, “Money can’t do everything, but without money you can’t do nothing.” Hate to point it out like that, but it’s the facts of this generation that everyone needs to face. Furthermore, it’s very common to hear there’s a lot of financial problems that’s going on not only for the adults but also for youths and this causes a lot of issues especially one major example, family problems. I do strongly agree that financial problems can lead to arguments because of families lacking in communications between them and also most importantly, they did not plan out their savings at the very start before they spent it like nobody's business.

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Nowdays money is one of the most important elements in one's life,money is not only an important element for adults.but also teenager's.adut work hard to earn money but fail to manage unimportant expenses such as luxury goods.poor financial management happen ammong families because they make decision simply without thinking further and let other people manage their finance for them.choosing the wrong kind of financial advisor is also of the main reasons why family nowdays involve in financial crisis.I agree with the statement that poor financial is a major cause of family problems because most of the family members do not know how to manage financial problem.

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Nowadays, everyone in this world has to use money.  Regardless of age, gender and race. It is an important element in our life. Besides, we also use money to get on with life. In my view, I absolutely agree with the statement that poor financial management is a major cause of family problems because they do not know how to manage their finances. Also, most of the family members spend money for useless things.

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INTRODUCTION:
- "NO MONEY NO TALK " , people always mentioned this word in their life . MONEY is an important element for a life but sometimes money cant buy happiness. Poor financial management happend among families especially families who have children's. Besides that, Most families may face poor financial management problems because of the low income level and overused of thier credit card or gone into too much debt. In my view ,I agree that poor financial is a major cause of family problems because most of the family members do not have any financial education and do not knw how to manage their finances and also most of the time they making rash decisions without thinking further.

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As far as I can tell, money has become of equal importance as our own lives, sometimes more than ones life. Some are not able to see the point of living on if one does not have money. Money has the power to buy almost anything a person can wish for, but not everything. In my stand, I partially agree on the statement that money is important, but poor financial management is not the major cause of family problems as there are more bigger factors that affect a family in a more personal way such as emotional problems. We are all slaves to money at some point in our lives, where we give in to our temporary desires than looking at the bigger picture in life. In my personal experience in life, a dollar never fell as much as how a man fell for a dollar.

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-Introduction-
“People who fail to plan actually plan to fail”.Managment and planning is something that very important in life especially related to finances.Who needs financial management? Yes,we all need to know from now especially family.No matter the position, degree or amount of salary received.
Firstly debt around the waist.As result of failing to manage finances well without us realizing that we have become entangled in a debilitating debt burden.It make us feel more dizzy to think of outstanding that have not been settled.And take the easy way out by make a loan from Ah Long.Sadly,our actions trap us like added to the debts problem.
So,the conclusion are create a savings plan.Make sure every time you receive a salary, save at least 10% of the salary before spending also avoid getting into the debt and using credit cards.This must done by everyone especially if someone that wasteful person and not good at controlled expenses.

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In the era of modernization, money is considered as one of the most important, yet compulsory things that each human being needs to have. Money can be used during any types of situation depends on the usage itself. However, there are still a few difficulties when it comes to poor financial management. In my opinion, I am agree with the statement that poor financial management is a major cause of family problems because most families does not have any experience in handling money whether in a huge or small amount of money

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Finance has become an element of survival in this day and age. Similar to love and power, money acts as a barter system, in other words, financial management. Families who aren't able to cope with the hierarchy of finance are deemed to have poor financial management. This is said to be one of the major causes of family problems. I do agree that financial management plays an important role in keeping a family devoid of problems. However, it is not the major cause, as emotional management is seen in the bigger picture of dealing with financial stress.

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Click (+) under the students masterpiece column to Write your answer. Don't forget to write your name in your posting.

Refer to the Tips & Tricks if you need assistants.

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Minimum 3 Topic Sentence to be stated in your Thesis Statement.

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I partially agree to this statement.
This is because money is not everything we need to run a family however it is still an important element in our lives as human beings.

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I fully agree, cause nowadays people more care about money until forget the most important thing is family. Its happened because of poor financial management for their own and family. This happened because of the pressure from work and lack of knowledge about manage their money. then it will effect to the family until their venting anger on their families because to stress and cant control the emotional. When the parents have fight at home then it will effect to their children. So, financial management are important to know and learn about how to prevent the money issue.

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AGREE..
most of the family members do not have any financial education and do not know how to manage their finance. They making decisions simply without thinking further and let other people manage their finance for them. Choosing the wrong kind of financial advisor is also one of the main reasons why family nowadays involve in financial crisis. Some people are tempted to let the wrong kind of people to manage their finance situation. It is important to find a person that have good communication, and understands your needs. The best thing to do is to look for a person that works in a financial office and makes his money by advising and managing personal financial accounts, someone that has been around for long and that will have the experience to guide the family through the process.

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A lot of families experience financial problems because of the lack of knowledge and skills in money management. Besides that, the stacking bills for utilities such as electric bill, water bill and house rent causes a huge amount of money when you have a big family. At the same time, they also need to spend more on daily expenses such as foods, gas and oil for vehicles. As usual, the parents will fight over this matter and the children got stuck in between.

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I do agree
Poor financial management problem can be defined as the difficulty in paying off debts.Most of the family nowadays may face financial problems because of the flow income level and overused of their card or gone into too much debt.
The most noticeable factor is the family members do not have any financial education and do not know to manage their finance.They making decisions simply without thinking further and let other people manage their finance for them.These are the main reasons why family nowadays involve in financial crisis.

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I strongly agree,
Many families experience financial problems because they dont have good money management skills and make sensible decisions about how to use income and credit. Uncontrolled factors such as unemployment can add to families financial problems. Lack of communication can cause problems when shopping get to control .
Other couses of family financial problems include addiction, emotional problems and stress that lead to irrational sprending patterns.

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Poor financial management will leave a bad impact towards the whole family. it can cause problem to family members. children will be neglected by their parents and this will effect their education. They cannot concentrate in their studies and cannot give attention during the learning process.

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Many families experience financial problems because they don't have good money management skills and make unwise decisions about how to use income and credit. Uncontrollable factors such as unemployment can add to families' financial problems. Lack of communication can cause problems when shopping gets out of control. Other causes of family financial problems include addiction, emotional problems and stress that lead to irrational spending patterns.

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Financial Distress & the Family. Economic hardship and financial distress can have devastating effects on families. In tough economic times, many families lose their jobs, homes, cars, retirement accounts, belongings, savings, health insurance, and more. Families often struggle just to meet their basic needs.

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Based on the statement given, i'm agree with it. Most families experiences these financial problems because they don't have any experience in handling money  and ended up making bad decisions such as about how to use their own money and spending. So, if there's any incident happens because of the financial management itself, it might make the whole family members to start put the blame on each other's hand.

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I do agree that financial management plays an important role in keeping a family devoid of problems. However, it is not the major cause, as emotional management is seen in the bigger picture of dealing with financial stress.

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I strongly agree with the above statement as in my opinion, money-related is a sensitive topic for some people and financial problems are one of the reasons why people are stressed out and if financial matters aren't handled well, it may cause a lot of results, for one major example family problems. Everyone needs to plan their financial well and also be aware of their ability of themselves before spending their money.

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I do agree.
Financial distress and the family. Economic hardship and financial distress can have devastating effects on families. In tough economic times, many families lose their jobs, homes, cars, retirement accounts, belongings, savings, health insurance, and more. Families often struggle just to meet their basic needs.

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I do agree . Family financial problems can lead to stress. Some couples fight over spending habits instead of searching for solutions to their money-related issues. Sometimes disagreements over money become so severe that they lead to divorce. Children may feel caught in the middle of the arguments, and feel guilt when they benefit from purchases, or disappointment when money problems prevent them from having certain things.

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I STRONGLY AGREE WITH THIS STATEMENT

Most of the family nowadays may face financial problems because of the low income level and overused of their credit card or gone into too much debt its causes they don't have good money management skills and make unwise decisions about how to use income and credit .Financial problem definitely does give bad impact towards the whole family. It can cause strife and problem with spouse and other family member. Children especially will be neglected by their parents and this automatically will effect their education. They cannot concentrate in their study and cannot give attention during the learning process. The parents also will suffer the bad effects such that they will not give full commitment in their work and this will decrease their performance of job.

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This is because , most of the family who are having a financial problems are lack of knowledge on how to spend their money wisely . Some of the family who are having financial problem definitely will ask other family members for help and of course lending some money to them is the best way to help . At some case , this situation will left bad image and cause bickering between both family . Plus , children who keep pushing and asking about money for education purpose also can stress out their parents to earn money .  As the result  ,parents have to work harder as they need to settle down all the bills and support the family needs . This can leads to depression for the whole family .

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I do agree with this statement

This is because most families with financial problems often struggle just to meet their basic needs. Stay-at-home moms may suddenly find themselves searching for work or selling their prized possessions. Unemployed fathers feel like a failure, are guilt stricken and ashamed of losing their identity as the family's provider. When families are faced with the grief of losing everything and the fear of never being able to recover, these uncontrollable circumstances have a drastic impact on families as a whole, on marriages, and on husbands, wives, parents, and children and family may became torn apart or separated.

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From: Hannan
Yes, I do agree because the lack of bajeting skills and management can lead to financial management. It can also affect family health and relationships.Parental stress can lead children to behaviour problems .The lack of communication between family about financial problem can cause rift between parents and children.

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READ THE INSTRUCTION BELOW...

Click (+) under the MISSION ACCOMPLISHED column to Write your answer. Don't forget to write your name in your posting.

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Base on the activity from previous class (Extended Essay), Your are required to write an introduction. In your introduction you need to include;

Opening

Standpoint

Thesis Statement

Conclusion/Linkers

CLICK HERE to see the OPINIONS..! Good Luck..!

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From: Daniel
Subject: I Missed the Robotics Camp.

Hello there!
The Robotics Camp was great! It was really fun and beneficial for the students.
There were many interesting activities that were carried out. But the most interesting activities were the team building activity where we had a guide to help us through the course and a small competition where each of us would build a virtual robotic lab where we are able to interact with a robot in virtual reality.

It's a shame that one of the robots did have a short circuit. I wasn't there when it happened, though. When I arrived, they were already done cleaning up the mess. It's surprising that no one got hurt, as the explosion could be heard from a very far distance. What a relief!

I would love to join you next year! Hopefully we're both in good health for next year.

I would love to hear from you soon. Please do write back as early as possible. Till then, goodbye.

To: Wilda

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To: Wida
Subject: I missed the Robotics Camp
Hey Wida!!
Fist of all how was your chickenpox ? Are you fine there? Get well soon! Yeah the Robotics Camp was fun and playful.
But it's not very fun cause you're absent . But it's okay I understand because u are not well.
Yeah the Robotics Camp have lots of interesting activities that we enjoyed it so much. The most two interested for me is building our robot by using all by hand also learn how to program the robot then we can play our robot with others and we also can control the robot using remote control. Second activity is robot fight competition that includes teacher to join us to fight with our robot and creat it into a robot killer.
No, because I wasn't at the time the incident happened but I know from the others said there were some of student have trouble with their robot. It's happened because they use the wrong program for the robot that can effect there robot because we must follow the right way to program it. So they were called by the professional programmer for corrected the mistake program for them.
Of course I will, I promise to you that I will accompany u for the next camp and you should join it for creating great memories together. Can wait to see you there.
See you soon!
From:Coronin visus

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From : Suhaila
Subject : Robotics Camp

Hi Wida,

I heard that you have chicken pox. I hope you recovery soon! The school's Robotics Camp was very great!! It is very informative and beneficial.

The most interesting activities for me is we can learn engineering, programming and wireless control concepts using LEGO MINDSTORMS EV3 technology. We also can use series circuit to build our own LED flashlight that we can take home!!

No, because i have a stomach ache and not feeling well.

I would definitely love to join you for the next camping. I guess will see you in another camp.

Take care!

Suhaila

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From:Neshen

Subject:How was the Robitics Camp
HELLO Wida!
How are you?I hope you are healthy and healed from chickenpox.Robotics a was extremely interesting because they held alot of activities but I can’t enjoy at all because you did not attend the camp.

Yeah they held alot of lot activities but my favourite and interesting activities they held is science buddies activities that is build your own robot with a bag of toothbrushes and some basic electronic supplies.Other then that Diy project that is test your robot making skills with  10 robot projects with simple materials and straightforward instructions

Yeah i also heard that but I don’t know that is a true or story or urban legend because i dint’ saw  that the robots short circuit happend I was but just hearing from ramesh that thing happend soo I also not sure about that.
Yeah I also heard that.Sure I will join if you are coming wida.
I will waiting for reply!
Neshen

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FROM : Nimalaa
Subject:I Missed the Robotics camp
Hi wida!
The robotics camp was fun and interesting,How are you now? I hope you will get well soon!

Ya, there were many interesting activities that were carried out but the most interesting activity were the theme building activity and a small competition were each of us would build a virtual robotics lab were we can able to interact with robot in virtual reality.

Yes one of the robots did short circuit.Unfortunately,I wasn't there to witness the incident because when the incident happen I was at next lab.when I arrived,they were already done cleaning up the mess.it's surprising that no one got hurt, as the explosion could be heard from a very distance..Thank God!

I would love to join you next year!hope to see you soon next year.
I would love to hear from you soon.please reply my email as early as possible..
goodbye,
Take care!

To:Wida

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Hello Wida!
I am sorry to hear that your condition was not good.Hope you will get better soon! The school’s Robotics Camp was awesome!
Yes! From this activities we can learn to make a smart umbrella! It teaches us in basic wiring and computer connectivity.And also we make a mechanical grabber using materials that can get around the house,helps we to how to learn design it Example,we can used it to pick up trash around the house.
No, because that happened in other group. I think it was happened like the short circuits occur when electrical circuit wires connections are exposed.
Yes! I would love to join it with you!
Can’t wait for your reply!
-Nurul Zalhanis-

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From : swathey
Subject : The Robotics Camp
Hye wida ,

The Robotics camp was great ! It was really fun and beneficial for the students.
There were many interesting activities that were carried out . But the most interesting activities were the team building activity where we had a guide to help us through the course and a small competition where each of us would build a virtual robotic lab. This activity allows students to study ,build ,and interact with virtual robot named nimalaa and learn how it works .

Yes , one of the robot did have a short circuit. Unfortunately i wasn't there when it happened. When the incident happened i was at next lab . When i arrived, they were already done cleaning up the mess . Thank god ! No one got hurt .

Sure ! I would love to join with you next year . I hope to hear from you soon .Take care & Goodbye!
Write soon !
-swathey -

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From : Aqilla

Subject :About the school's Robotics Camp

Hello Wida!

How are you ? I hope you are feeling better now. The Robotics Camp was great . I learned a lot from this Robotics Camp .

The activities are the most interesting for me is Diy Project which is how to make a robot. This activities test your skill making a robot . Secondly , are picklebums which is build your own robot .This activities is perfect for who are interested in learning about robots .

No, I wasn't at the time that the incident happend because I have to go home early because i have a emergency but I heard from another students .

Yes! I like to you join this camp for the next year because this camp was exciting.I will join this camp if you want to join! Takecare and Goodbye

Talk to you soon !!

Wida

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To Wida
Re:Subject:I Missed the Robotics Camp
I hope you are getting better soon.The Robotics Camp was great . It was educational and fun.
There were many interesting activities that were carried out. The most interesting activities for me are DIY project on how to make a robot with simple material and straightforward instructions .The second was learning about programming robot to respond to stimulus . It was very interesting activities that left me amazed.
No, I wasn’t there when it happened because I was at the other side of the building. I was relieved to hear that nobody got hurt when the accident happened.
I would very much like to join you to another camp this year. Take care of yourself.

Hope to hear from you soon
Hannan

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From : Aleesa
Subject : My Experienced at the Robotics Camp

Hi Wida !

I hope you are getting better now . Have a speedy recovery dear ! By the way , about the Robotics Camp , it was very fun and awesome !

Yes , you are right . There were so many interesting activities that were carried out there ! One of the interesting activities are , we learned how to build and programming the robots . It's quite fun and it also widen my knowledge about how great technology can make something amazing ! After we learned it , they ask us to build our own robot using the tools given . This is the most interesting activities there . I built my own robot and it turns out very well ! I'm so lucky that my robot can worked very well compared to some of the participant , their robot can't moving well as mine .

Oh ya ! One of the robots did short circuit but I didn't know the detail of the incident because I wasn't there . Luckily , there's no one injured and the situation still under control .

Of course , i'd join you for another camp ! Let's explore and experience more interesting activities together!
Take care of yourself , bye !

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To: Wida

Re: Subject: I Missed the Robotics Camp

Hi Wida!

How are you?I am sorry to hear that you have chickenpox. Great! The Robotics Camp was awesome. It was really exciting to know more about robotics.

Well, there were many interesting activities that were carried out. But the most interesting activity were the  team building activities and small competition were each hours would build a virtual robotic lab were we are able to interact to the robot in virtual reality.

Unfortunately, no. I'm not there when that incident happened, when I arrived they were already done cleaning up the mess. It's surprising that no one got hurt, as the explosion could be heard from a very for distance.

Of course! I would definitely love to join you for the next camp. I guess will see you in another camp. Take care..

See you soon!

From,

Kalaiarasi

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From: Aina
Subject : I missed the Robotics Camp

Hello Wida!

I was surprised to receive your email. I am sorry to heard that you have chicken pox. I hope you get well soon. The Robotics Camp was great!

Yes, there were many interesting activities carried out in the camp. One of the interesting activities is students can even test their coding skills with Botley's Actions Challenge Accessory Set's chain-reaction challenges. They will build and solve puzzles with the set’s falling dominos, swinging hammer, rotating gate and more. Other than that, test the robot-making skills with these 10 robot projects with simple materials and straightforward instructions. The projects range from easy to moderately challenging to difficult. Select activities based on your skill level and available resources, and help students create a real-life robot.

No Wida, unfortunately, I'm not there when that incident happened but I heard from my bestfriend that have trouble with their robot.

Sure, I would definitely join you for the next camp . So, we will get a lot of knowledge and experience together! Also a great memories :)

See you soon!

To: Wida

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Your classmate, Wida, was absent from school because she had chickenpox. Read the email from her asking about the school's Robotics Camp which she missed.

Using ALL the notes given, write a reply of at least 100 words in an appropriate style.
- You need to use ALL the notes provided.
- Write a reply to your friend, WIDA

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Poor financial management is a major cause of family problems.

Do you agree with the statement?Discuss..!