Sample Essay on Study Habit

Sample Essay on Study HabitA sample essay on study habit should be an important part of your career assessment. You need to make sure that you will be able to write a good essay on studying. In this article, you will learn what you need to do in order to write a great essay on studying habit.The first thing that you need to do when writing a sample essay on study habit is to collect some relevant information about the topic. A good example of a topic is the average study habits of many students. In this case, the sample essay is about how students study. Once you have collected the information, you need to analyze it and learn what kind of details and information you need to include.In most cases, students tend to forget certain parts of their essays. In order to prevent this from happening, you need to think of certain parts that need to be included. In this case, you need to find the important points that you want to include.After you have learned what types of things to include, y ou should come up with a plan for writing such points. This way, you will be able to make sure that the points are well organized. Since you are writing a sample essay on study habit, it is important that you include information about the reading materials that you are going to use. This will help you organize the essays you are going to submit to schools.You need to prepare your essays. This means that you need to ensure that you are going to write an essay that is informative and captivating. Writing an essay on study habit is not easy and requires careful planning and preparation. If you are going to include the subject in your sample essay, you need to make sure that the information is well-organized and persuasive.The next step that you need to consider is how long your essay is going to be. You need to make sure that the essay is interesting enough to be completed in just a few minutes. Make sure that you include things that will keep people reading the entire time. You can't just have information in the middle and expect them to read through the whole essay.Finally, you need to review your own essay. You need to make sure that you have all the information about the topic that you needed to include in your essay. Try to think of all the points that you needed to include so that you can make sure that the entire essay is well-written. Once you feel confident about the composition of your essay, you can begin writing it.As you can see, writing a sample essay on study habit is not hard to do. You just need to know what information to include and how to organize it in order to make it look attractive.

Cold Essay Writing Course - What to Say to Students Who Were Bored by Your Cold Essay Writing Course

<h1>Cold Essay Writing Course - What to Say to Students Who Were Bored by Your Cold Essay Writing Course</h1><p>Chris Cleave is one of the most productive authors on article composing, and in this piece he takes a gander at the subject of what to state to understudies who were exhausted by your virus exposition composing course. In this article Chris Cleave likewise answers a few other essential inquiries that are ordinarily posed by understudies who've finished virus paper composing courses.</p><p></p><p>Here's one basic issue with cold exposition composing: it was exhausting. You were doing cold composition and afterward you come to class and it's a significant trial traversing the course material. At times it's simply so exhausting that you need to twist up and rest. That is the reason numerous understudies would like to accomplish something different and not stall out with the virus paper composing course.</p><p></p>< p>So, you have a go at doing the virus article composing at the same time, at that point you understand that it wasn't actually what you needed. Or on the other hand possibly, you're too depleted to even consider evening experience the entire course material any longer. Along these lines, how would you approach continuing the course?</p><p></p><p>Well, I'll let you know, since I had a few contemplations like this thus I thought it'd be useful for my peruser to know. In the event that you need to see me answer this inquiry, at that point keep perusing to discover out.</p><p></p><p>One thing that I do, which I think could be valuable for understudies who need to handle the virus article composing issue is to peruse the material first. It sounds somewhat cheesy however it works quite well. Perusing the material first implies that you will show signs of improvement thought of how the course material is worded thus, you will have the opt ion to discover things that you can say in light of the material that is introduced to you.</p><p></p><p>Another tip I can give you is to return and take a gander at the course again before beginning the following piece of the course from cold exposition composing course. Take as much time as necessary and read the material once more, contemplating what you could have said because of it. When you've taken a gander at the material once, you will have the option to take a gander at it more and truly break down it as though you were contemplating the material.</p><p></p><p>Finally, Chris Cleave mentioned something that I thought was an extremely significant hint, particularly for individuals who are beginning with cold paper composing courses. Get as much practice as you can!</p>

The Fundamentals of College Essay Help You Can Benefit From Starting Immediately

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What to Write About With a Good Mom Research Paper Topic

What to Write About With a Good Mom Research Paper TopicIf you want to write a research paper for college, there are many different tiger mom research paper topics to choose from. Depending on your topic and the type of paper you want to write, you can take several different routes to finding a good research paper topic. One of the most popular topics students search for is 'good mom'.Whether you write your research paper on a topic related to your major or are seeking to write a personal research paper, one of the most important components to writing a good mother paper is how you introduce her to your readers. This will help set the tone of the paper as well as guide your research.To begin with, if you want to write a good mom research paper, you should focus on writing what she is and what she does not do. For example, it is impossible to write a paper on how to fix a flat tire if you don't also consider how a good mother would handle a broken sink. If you tell your readers how a good mother is bad at baking, they will be bored reading that. But if you spend time talking about how her children need her and the great times she shares with them, they will be intrigued.So how can you find topics that are right for you and for good mom? One of the first steps is to think about the things that you love and how you see those things playing out in your life. Include your baby in that, but also include your husband and the whole family in that. That way, you can let the audience know that you and your entire family have a close bond and that you care deeply about them.You can also use the websites available for mom related paper topics. Go online and type in terms like 'mom 'research paper topics 'baby'. Check out the sites that have the top paper topics and write down the words you think may describe your situation. It is okay to use other words to get ideas, but try to come up with one that is best for you.You can also ask a teacher in the class if she has any goo d mom related research paper topics. There are usually teachers in every class, so it shouldn't be difficult to find one that would be a good fit for you. Your teacher will also be able to offer a suggestion of topics to use in your paper as well. That will give you a better idea of what topics to look for.Once you have your paper topics, you can begin writing. Once you know exactly what it is you are writing about, the process of writing will be easier. Also, have someone with you as a sounding board to ask questions.Writing a research paper on a good mom is something everyone should consider doing. There are many different research paper topics and you can find one that will fit you perfectly. After all, when you are writing on something that you enjoy, it is easier to focus and make your research paper unique.

College Essay Samples About Yourself - Writing Tips For Essay Writing

College Essay Samples About Yourself - Writing Tips For Essay WritingWriting college essays can be a challenging experience. You can write something really great or you can write something bland, but it really is up to you. The way to approach this challenge is to use some of the tips mentioned in the following article. You will find out how to make sure your essay is written in a professional and organized manner.Proper grammar is a must when writing essays. You need to make sure that you include correct grammar in your essay. There are no exceptions when it comes to writing good essays. You need to understand the rules and the stipulations that are associated with using proper grammar.There are various college essay samples about yourself. If you want to know about the correct way to use the right words, you can read the articles about the subject matter and select a sample from there. You can also look at the essays that are found on the internet for the same.When you want to writ e a good essay, you need to know how to choose the right theme and get the right kind of ideas. For instance, if you want to write an essay about yourself, you should make sure that you write a few paragraphs about yourself. Write an outline on what you would like to talk about. Then, work on presenting the theme of the essay.After you have got the whole idea and theme of the essay, you need to start researching. Try to look for the various resources that are available. Go online and research from the various sources for college essay samples about yourself. It can help you in searching for the proper solutions to the problems that you are facing. There are many different opinions regarding the topic of the essay.You need to study the various opinions on the matter to find the right solution. You can also use the website of various writers for the same. It will help you in getting some good resources that are available. You can get them from the college essays samples about yourself .Here are some simple steps that you can take to avoid this problem. If you are taking a college essay sample, you need to use only the essays that are for the students. If you are writing the essays for teachers, then you should choose the appropriate one from the ones provided.

Analysis of Joy Luck Club Essay - 750 Words

Analysis of Joy Luck Club Ask any typical-looking Asian students around campus whether they are Chinese or Japanese and the reply will probably be universal: Neither, Im Chinese-American. In reality, developing a clear concept of exactly how they define themselves as a race has become a difficult thing to do in this day and age for most Chinese-Americans. Many have become so well adjusted to the American way of life, that the only thing still tying them to their ancestral roots is physical appearance and the answer to the SAT questionnaire about ethnicity background. This is the basis for the overall theme of The Joy Luck Club by Amy Tan. The Joy Luck Club is a group of varied stories rooted in the culture clash between†¦show more content†¦It is the tie that binds them together; it is what keeps them grounded in what little Chinese culture is left for them to have and hold. Growing up during perilous times in China, they all were taught to desire nothing, to swallow other peoples misery, to eat [their] own bitterness. (p. 241). Though not many of them grew up terribly poor, they all had a certain respect for their elders, and for life itself. These Chinese mothers were all taught to be honorable, to the point of sacrificing their own lives to keep any family members promise. They all were taught to desire nothing, to swallow other peoples misery, to eat [their] own bitterness. (p. 241). This is in comparison to the American daughters who grew up with little to almost no culture. Lindo Jong, whose daughter, Waverly, doesnt even know four Chinese words, describes the complete difference and incompatibility of the two worlds she tried to connect for her daughter, American circumstances and Chinese character. She explains that there is no lasting feeling in being born in America, and that all being a minority means is that you are the first in line for scholarships. Most importantly, she notes that In America, nobody says you have to keep the circumstances somebody els e gives you. (p. 289). Living in America, it was easy for Waverly to accept American circumstances and to grow up as any other American citizen. As a ChineseShow MoreRelatedJoy Luck Club Character Analysis1045 Words   |  5 PagesThe Joy Luck Club Theme Analysis The Joy Luck Club by Amy Tan is an entertaining book that focuses on four Chinese American immigrant families. They face problems in their hometown which causes them to move to the United States. They end up moving to San Francisco and face many different problems with their cultural background. The theme of The Joy Luck Club is the relationship between both the mothers and their daughters. A variety of different events occur throughout the book that explainsRead MoreJoy Luck Club Analysis981 Words   |  4 Pagesas well.† (Tan 213). The Joy Luck club is a book containing sixteen stories told by four mother-daughter pairs, as well as four anecdotes about no particular character. The mothers are all Chinese Immigrants. Each mothers story details their experiences in China, while the daughters talk about life in America. The exception to this is with the Woo family, where the mother, Suyuan, has passed away, and the daughter, June, tells her stories for her. In ‘The Jo y Luck Club’, Amy Tan uses the storiesRead MoreAnalysis Of The Joy Luck Club Essay1250 Words   |  5 Pagestheme in two novels. A main theme in two novels in this class, Bliss Me Ultima and The Joy Luck Club, is family. Family is highlighted in both books. In Bliss Me Ultima, Antonio and other members is his family every year go help his mother’s extended family, The Lunas, tend to their lands. In The Joy Luck Club, Jing-mei fulfills her mother wish of reuniting with her twin sisters in China. Also in The Joy Luck Club, another narrator, Lena, acts as a translator for her mother to her father since theyRead MoreJoy Luck Club Cultural Analysis1387 Words   |  6 PagesThis response deals with the children of immigrants. The Joy Luck Club mothers shared the same desire for their daughters which was to live the American dream and be successful. The mothers wanted their daughters to be Chinese but the girls were just too Americanised. When Waverly was worried that she might not be let back into the country following her trip to China, her mother Lindo scoffed that only her skin and hair were Chinese, inside she is all American-made. I have decided to look atRead MoreCharacter Analysis : The Joy Luck Club1005 Words   |  5 Pagesexternal conflict that occurs in a story when individual characters struggle against other external forces; a character may struggle against other characters, animals or even natural forces. In the fictional book The Joy Luck Club by Amy Tan, one of the Chinese women part of the Joy Luck Club known as Lindo-Jong suffers an ongoing physical conflict between her and her future husbands family the Huangs; from the age of twelve to the age of sixteen years old when her parents leave her behind and theRead MoreAnalysis Of The Movie The Joy Luck Club 983 Words   |  4 Pagestheir daughters. Therefore, the mother s opinion on how they should act, which is behaving like the Asian woman, is most evident. This is the case in the movie The Joy Luck Club. There are certain behaviors that Asian women are expected to have, and the mothers feel that their daughters should use these behaviors. In The Joy Luck Club, the film traces the fate of the four mothers-Suyuan Woo, An-mei Hsu, Lindo Jong, and Ying-ying St. Clair-and their four daughters-June Woo, Rose Hsu Jordan, WaverlyRead MoreJoy Luck Club Character Analysis1032 Words   |  5 PagesIn The Joy Luck Club, the daughters of the Chinese immigrant mothers consistently struggle with communication and understanding, partially because of the language barrier between them, and partially because of the different circumstances they have been raised in. In the article â€Å"Thoughts From the Daughter of a Chinese Mother,† the writer notes an increasingly different set of values from one generation of immigrants to the next, stating â€Å"...the next generation of kids grow up spoiled by Western notionsRead MoreAnalysis Of The Book The Joy Luck Club 937 Words   |  4 Pagesup together. Towards the end of the novel, a gathered opinion can be made on the three characters true to all the viewpoints. The Joy Luck Club is a movie, based off a novel written by Amy Tan, displaying the struggles of a group of Chinese women and their daughters. The women grew like a family when they moved from China to San Francisco. The woman in the joy luck club all experienced rape, domestic violence or being abandoned by their family early in adulthood. Christina, Ida and Suyuan all liveRead MoreAnalysis Of The Book The Joy Luck Club 1700 Words   |  7 PagesChurchill English 2 Honors, Period 0 6 September 2015 Reconciliation Swan feathers. Hopes and dreams. Broken relationships and healing. Though these concepts might initially appear incongruous, they are all depicted in the book The Joy Luck Club by Amy Tan and The Joy Luck Club film directed by Wayne Wang. Both modes of interpretation show how the mothers help their daughters solve their problems by explaining the formers’ pasts. However, while the book leaves each of the daughters’ stories open endedRead MoreAnalysis Of Amy Tans The Joy Luck Club1369 Words   |  6 PagesA Perspective of the American Dream The Joy Luck Club Was written by 1989 by Amy Tan, a first generation American born in 1952 to immigrant parents. Tan was raised by her mother, who had left kids back in China, and a father, who was a Baptist minister. She grew up in California and attended high school in Switzerland. At the age of 15 her brother and father died of a brain tumor. Tan perceives the American dream in the way that an Asian immigrant would, which would be to pass down what we know so

ACME Bank - Free Sample Essay on the Analysis of ACME Bank

Question: Write an essay on "ACME Bank". Answer: Part a: Loan forfeiture and lawbreaking The importance of determining the influential variables in identifying the likelihood to customers for forfeiting loan and become a delinquency cannot be overlooked. The primary factors are selected for viewing a credit scoring variables along with likelihood for loans. The factors are included as following: The Debt Ratio variable helps to calculate monthly debt payments and costs of maintenance along with other allied costs, divided by gross income. This variable provides a ratio value that is able to imply if the debt mount exceeds the borrowers monthly income, since the latter is required to exceed the former. Psychological studies indicate that in case of a greater debt ratio, the borrower has a higher tendency of committing the felony of loan forfeiture. In other words, if the debt ratio exceeds 1, that is when the income is lesser than the debt amount, then the inclination towards delinquency rapidly increases. This variable identifies if the requirement of the loan is more necessary to the borrower than his monthly salary. Lesser compulsion of the borrower towards the loan with respect to the monthly salary reduces the predisposition of the borrower towards acts of delinquency. In cases where the obligation proportion was significantly greater than 1, the propensity towards committing a felony was shown to have increased at an alarming rate (Sovern 2014). A second variable is the Monthly Income, which denotes the gross income of the loan borrower. Another variable, known as the Number Of Open Credit Lines And Loans, indicates the number of open loans that the borrower has along with lines of credit and car loan installments. It has been seen that if the debt ratio and the number of open loans of a borrower increases simultaneously, the proclivity towards committing such a crime is augmented. A different variable, called the Number Real Estate Loans Or Lines corresponds to the number of mortgages placed by the borrower against a real estate loan with home equity line of credit (HELOC). This variable is a tool for measuring credit scores that reveal the real estate mortgage loans with lines of credit (Garmaise 2015). It is quite akin to the Number Of Open Credit Lines And Loans variable - while the former informs about the number of loans and credit lines, the second variable reveals the number of mortgage loans along with credit equity lines (Moulton et al. 2015). Finally, Number Of Dependents is a variable that represents the number of dependents that the loan borrower requires in case of a particular loan (Xiao et al. 2014). Greater the number of dependents, greater is the urgency from the borrowers perspective with regard to repayment of the loan and resolution of debt issues. Statistical reports attest to the fact that dependents catalyze the process of repayment of debts back to the bank from the borrower. When the numbers of people who have taken loan are notable, the borrower sincerely wants to resolve the commitment successfully. Studies that have been performed earlier reveal that the charges are in fact a momentum for the borrower, as they reminded him or her to pay the necessary debt amount back to the bank (Brown 2016). The number of people who have faced delinquency in span of the past three months or more, have been revealed by the variable named Serious Dlqin 2yrs. This variable also gives away the frequency in which the borrower needs to handle the charges against delinquency. The factors that are not required and reasons behind omitting them After detecting the various factors of tendencies related to delinquency, which has surfaced in the loan forfeiting cases, the variables from the table are selected, that can be removed from consideration, to reduce complexities. The following include the selected variables along with justifications for omitting them. Another scoring option for credit, showing the mortgage loans of real estate with credit lines of is the Number Real Estate Loans Or Lines (Jiminez et al. 2014). The variable is almost equivalent to the variable known as the Number of Open Credit Lines and Loans (Emekter et al. 2015). The first variable shows the open loans as well as credit lines, whereas, the number of mortgage loans and the credit equity lines are revealed by the second variable. For this particular analysis, there must be a certain variable for presenting the number of open loans and mortgages along with the equity lines of credit. In some cases, both of the variables may have redundancy of data and some variances. It is almost sometimes indistinguishable from the variable that is mentioned above. The earlier variable shows the open advances and extensions in credit, whereas, the second variable is at jeopardy to reveal the amount of home loan taken in advances along with credit value lines. Presently in this res earch, for demonstrating the quantity of open advances and home loans beside extensions to value credit there should be one specific variable. Sometimes, both of the variables (Acharya et al. 2013) represent information that is repeated and inconsistencies. The revolving utilization of unsecured lines of credit is quite illegitimate with respect to the misconduct of the borrowers. It shows the entire card balance except for the real estate and debt balance for car loan of an individual divided by the total credit left in the card. This result is can be procured from the borrowers monthly remunerations along with estimation of open credit lines. The revolving utilization of unsecured credit lines is pretty much unwelcomed due to the strenuous investigation of the defaulters. The interest is calculated on the basis of reducing outstanding loan amount at periodic intervals. This periodic interval is determined by the payment of cardholder. The rate of interest is generally high as compared to other banks due to the greater risk factor of the lender. The unsecured credit lines can be availed depending upon the annual salary of the individual. Findings from the study and comments on key factors The borrowers income should be greater than his debts. It is psychologically viewed that greater the debt to income ratio, greater are the chances of being a defaulter. According to the decision tree analysis, the first step is to calculate the number of open credit lines. If the number of open credit lines is equivalent to range 1, then the customer will be categorized under a new group. Now, for debt equity ratio if the value becomes less than or equivalent to 0.718, then the customer will be categorized under a pre existing group. However, in case of debt equity ratio greater than 0.718, then revolving unsecured credit utilization will be managed accordingly. Part b: Exploratory analysis of the loan-delinq-train.csv data set The first step of this exploratory analysis of the given data is to validate whether there are any unusual pattern or not. The detailed analysis has been shown in the appendix section. According to the analysis done, it can be said that the data set did not contain any unusual pattern. However, in case of missing data, no such aspects present in the given data set. It has seen that if the characteristics of the data set named loan-delinq-train.csv is same as loan-delinq-test.csv data set. The next step of this study was to identify any significant relationship between the target variable SeriousDlqin2yrs with predictor variables. The researcher has performed correlation analysis to identify such relationship. The detail analysis has been shown in the appendix section. From the correlation, it can be said that very few variables have significant relation with the target variables. However, it is the fact that the customer of ACME bank is likely to forfeit the loan and consequently, the loan become delinquent. Part c: Decision tree analysis using Rapid Miner This section of the report has demonstrated the decision tree analysis performed using the rapid miner tool. The detailed analysis has shown in the appendix section. According to the decision tree analysis, it can be said that open credit line and loans is taken into account as the target variables. In case of target variables, below are the list as per decision tree analysis: [a] Number Of Time 30-59 Days Past Due Not Worse; [b] Number Of Times 90 Days Late; [c] Age; [d] Debt ratio; and [e] Number of Time 60-89 Days Past Due Not Worse; According to decision tree, the first checking option is Number of open credit lines and loans. Here, if it is fall under range 1, then the customer will be considered as good in terms of credit worthiness. However, if the value falls in range 2 category, then Debt Ratio needs to be checked. Again, the decision tree has shown that if the debt ratio becomes less than 0.718, then the customer will be treated as good customer with well credit score. On the other hand, if the debt ratio becomes more than 0.718; then another variable named Revolving utilization of Unsecured lines will be checked. Here, if the value is less than or equal to 0.003 than the customer will be treated as good customer with well credit score. Finally, the target variable will be taken into consideration. According to the target variable, that is, SeriousDlqin2yrs value, if it zero then customer will be categorized under first group or else second group. Part d: Logistics regression analysis According to the logistic regression analysis, the data set contain four variables such as debt to equity ratio, number open credit line and loan, revolving utilization of unsecured loan and serious delinquency in 2 years period, which have significant influence to determine the credit worthiness of the individual customer of ACME bank. According to the Kernel Model, here the weights of each of the attributes are as follows: W(debt to equity ratio) = 0.708 W(number open credit line and loan) = 0.720 W(revolving utilization of unsecured loan) = 0.264 and W(serious delinquency in 2 years period) = 1.052 These weighted values have shown that all these factors are significant predictor of loan delinquency. Part e: Overall discussion Thus, the above decision tree as well as logistic regression analysis has explored that mainly, debt equity ratio, revolving utilization of unsecured loan and serious delinquency in 2 years period are the key variables. Therefore, it can be said that the customer of ACME bank is likely to forfeit on their loan and become a loan delinquency will have true outcome. References: Acharya, V.V., Almeida, H. and Campello, M., 2013. Aggregate risk and the choice between cash and lines of credit.The Journal of Finance,68(5), pp.2059-2116. Berrospide, J.M., Meisenzahl, R.R. and Sullivan, B.D., 2012. Credit line use and availability in the financial crisis: the importance of hedging. Brown, S.R., 2016. The Influence of Homebuyer Education on Default and Foreclosure Risk: A Natural Experiment.Journal of Policy Analysis and Management,35(1), pp.145-172. Emekter, R., Tu, Y., Jirasakuldech, B. and Lu, M., 2015. Evaluating credit risk and loan performance in online Peer-to-Peer (P2P) lending.Applied Economics,47(1), pp.54-70. Garmaise, M.J., 2015. Borrower misreporting and loan performance.The Journal of Finance,70(1), pp.449-484. Goldbach, S. and Nitsch, V., 2015.Cutting the credit line: Evidence from Germany(No. 25/2015). Discussion Paper, Deutsche Bundesbank. Hazen, B.T., Boone, C.A., Ezell, J.D. and Jones-Farmer, L.A., 2014. Data quality for data science, predictive analytics, and big data in supply chain management: An introduction to the problem and suggestions for research and applications.International Journal of Production Economics,154, pp.72-80. Jian Xiao, J. and Yao, R., 2014. Consumer debt delinquency by family lifecycle categories.International Journal of Bank Marketing,32(1), pp.43-59. Jiminez, G., Mian, A.R., Peydr, J.L. and Saurina Salas, J., 2014. The real effects of the bank lending channel.Available at SSRN 1674828. Kaisler, S., Armour, F., Espinosa, J.A. and Money, W., 2013, January. Big data: Issues and challenges moving forward. InSystem Sciences (HICSS), 2013 46th Hawaii International Conference on(pp. 995-1004). IEEE. Kitchin, R., 2014. The real-time city? Big data and smart urbanism.GeoJournal,79(1), pp.1-14. Koh, E.B., Oh, J. and Im, C., 2014. A study on security threats and dynamic access control technology for BYOD, smart-work environment. InProceedings of the International MultiConference of Engineers and Computer Scientists 2014(pp. 12-14). Kornacker, M., Behm, A., Bittorf, V., Bobrovytsky, T., Ching, C., Choi, A., Erickson, J., Grund, M., Hecht, D., Jacobs, M. and Joshi, I., 2015. Impala: A Modern, Open-Source SQL Engine for Hadoop. InCIDR. Liu, H. and Motoda, H., 2012.Feature selection for knowledge discovery and data mining(Vol. 454). Springer Science Business Media. Lohr, S., 2012. The age of big data.New York Times,11. Mayer-Schnberger, V. and Cukier, K., 2013.Big data: A revolution that will transform how we live, work, and think. Houghton Mifflin Harcourt. Moulton, S., Collins, J.M., Loibl, C. and Samek, A., 2015. Effects of monitoring on mortgage delinquency: Evidence from a randomized field study.Journal of Policy Analysis and Management,34(1), pp.184-207. Sagiroglu, S. and Sinanc, D., 2013, May. Big data: A review. InCollaboration Technologies and Systems (CTS), 2013 International Conference on(pp. 42-47). IEEE. Shoenbill, K., Fost, N., Tachinardi, U. and Mendonca, E.A., 2014. Genetic data and electronic health records: a discussion of ethical, logistical and technological considerations.Journal of the American Medical Informatics Association,21(1), pp.171-180. Sovern, J., 2014. Fixing consumer protection laws so borrowers understand their payment obligations.Journal of Consumer Affairs,48(1), pp.17-33. Varian, H.R., 2014. Big data: New tricks for econometrics.The Journal of Economic Perspectives,28(2), pp.3-27. Vayena, E., Salath, M., Madoff, L.C. and Brownstein, J.S., 2015. Ethical challenges of big data in public health.PLoS Comput Biol,11(2), p.e1003904.