Note that there are multiple parts for this final assignment. 

• Read two of the five paragraphs on the second page of this appendix. prepare a brief paragraph of about 150 words in which you do the following:

o Identify which paragraph was more effective and analyze why this is so.
o Include a discussion of sentence variety and the rhythm of the author's writing. 
o Focus on the writing rather than the opinions presented. 
o Underline your topic sentence.

• Submit your paragraph to preparepoint in the Center for Writing Excellence. To do so, click Library to the right of the Classroom tab. Then, click Submit a Paper for Grammar and Plagiarism Review. Complete the information at the bottom of the page and click the radial to the left of preparepoint.

• Once you submit the paper to preparePoint, you should have access to the results quickly. After a short time, go back into the Center for Writing Excellence and click My Papers to retrieve your results. Click either the green check mark or preparePoint to open the results.

• Review the feedback provided by the Center for Writing Excellence and make corrections to your paragraph. 

o When doing so, understand that preparePoint may be helpful but is not always correct. Make the corrections you feel are appropriate.

• prepare a second paragraph, also of about 150 words, in which you describe the feedback you received from preparePoint, providing specific exs of helpful suggestions, as well as ones you felt may have been incorrect and why you think that. 

o Underline your topic sentence.

• prepare a third and final paragraph in which describe your strategy for using preparePoint in the future. 

o Include a discussion of how to accommodate submission and feedback time. 
o Underline your topic sentence.

• Post your three paragraphs as Microsoft® Word attachments. The paragraphs are as follows:

o The corrected version of the paragraph submitted to preparePoint
o The paragraph describing feedback from preparePoint
o The paragraph in which you talk about your strategy for using preparePoint in the future.









The five sample paragraphs are below. Choose two at random to read. Note that the paragraphs represent a range of quality. Some have errors and do not flow effectively.

1. A lot of people don't have wills. Everyone needs a will, but not all people have one. Wills are important because they describe who gets your stuff after you die. You don't want your things going to someone you don't want them to go to. My Aunt Martha went to a lawyer to get a will, I did my will online. My dad died in 1988. He didn't have a will. His stuff went to my step mom, who I don't get along with. If he would have had a will, I might have been able to start college sooner. But my dad didn't have a will. A will is good and you need to get one. Do you have a will?

2. Recent economic concerns prompted President Obama to meet with credit card industry executives in April, 2009. The national credit card delinquency rate has continued to grow in recent times, and the President, along with Congress, aims to end unfair fees and increases in interest rates. In addition, the President asked that all terms, disclosures, and statements be clear and easy to read for consumers. Confusing terms, often laid out in fine print, are believed to have led to the nation's rising debt and delinquency. 

3. Individuals can be denied credit for a number of reasons. Individuals who are near limits on existing cards, have too much outstanding debt or too many accounts overall, have a history of late payments, charge-offs or bankruptcy are likely to be denied credit. Individuals denied credit, by law, will receive a letter documenting the reason for the denial under the Fair Credit Reporting Act. Individuals who receive that letter should then examine the reasons for the denial and make efforts to correct their credit.

4. Most consumers understand that a good credit score is vital to one's financial security and stability. Many people may not understand how a credit score is find outd. Payment history accounts for roughly 35% of one's overall score. This means that on-time payments are absolutely essential. Debt level is not far behind at 30%. This accounts for near-limits and the total amount of money owed. Length of credit history is next at 15%, followed by inquiries at 10% and mix of credit at 10%. 

5. Avoiding and managing debt is hard. Things cost so much money that it's hard not to spend more than you make. The bills pile up, the utilities cost a lot, and going to the grocery store is expensive too. Then once those bills are paid, someone in the family gets hurt and needs to go the doctor or an unexpected bill comes in like car tags or something. We are told to just use cash and not use credit cards to help stay out of debt. Who's going to pay those extra monthly bills if it's not the credit cards? Avoiding and managing debit is too hard.