Write a new topic sentence for the following paragraph.

these students often go from having no or minimal and come to making upwards of $20-$30,000 per year. without education on how to manage their finances many of these young people often make poor decisions, leading them to accrue credit card debt or purchase expensive items--cars, homes, fully planning out how they'll pay for them. many young people don't understand the consequences of those late credit card payments can have, and taking a financed course before graduation would them understand exactly how difficult it is to rebuild a credit score that's been decimated by a foreclosure or bankruptcy ("the effectiveness").

2. read the excerpt from martin luther king, jr.'s nobel peace prize acceptance speech: i accept this award today with an abiding faith in america and an audacious faith in the future of mankind. i refuse to accept despair as the final response to the ambiguities of history. i refuse to accept the idea that the "isness" of man's present nature makes him morally incapable of reaching up for the eternal "oughtness" that forever confronts him. i refuse to accept the idea that man is mere flotsam and jetsam in the river of life, unable to influence the unfolding events which surround him. i refuse to accept the view that mankind is so tragically bound to the starless midnight of racism and war that the bright daybreak of peace and brotherhood can never become a reality. i refuse to accept the cynical notion that nation after nation must spiral down a militaristic stairway into the hell of thermonuclear destruction. i believe that unarmed truth and unconditional love will have the final word in reality. this is why right temporarily defeated is stronger than evil triumphant. i believe that even amid today's mortar bursts and whining bullets, there is still hope for a brighter tomorrow. i believe that wounded justice, lying prostrate on the blood-flowing streets of our nations, can be lifted from this dust of shame to reign supreme among the children of men. i have the audacity to believe that peoples everywhere can have three meals a day for their bodies, education and culture for their minds, and dignity, equality and freedom for their spirits. i believe that what self-centered men have torn down other-centered men can build up. i still believe that one day mankind will bow before the altars of god and be crowned triumphant over war and bloodshed, and nonviolent redemptive good will proclaim the rule of the land. "and the lion and the lamb shall lie down together and every man shall sit under his own vine and fig tree and none shall be afraid." i still believe that we shall overcome! instructions: create an outline for a speech that connects a theme from this excerpt to your own life. in the first part of the outline, organize an explanation of what king's theme means. in the second part of the outline, organize your explanation of how this theme connects to at least one event from your life. the first and second parts of your outline do not need to be of equal length. throughout the outline, be sure to cite or describe specific evidence from the text or from your personal experiences. also, organize ideas appropriately, develop your argument with relevant information, and provide a concluding section. (15 points)