Ng Are credit cards and car loans worth the cost? Using credit cards wisely can
increase your credit score. And a higher credit score will help you arrange a
lower interest rate on the next car loan. But, is all this work increasing credit
scores and making regular credit card payments worth the cost?
Building and improving your credit score will help keep costs low for a new car
loan or a new house loan. But, what about paying cash for all your purchases?
How about saving money and buying your car cash? People may be better off
by SAVING money instead of BORROWING money through loans and credit

Read the passage below and answer the question that follows. ‘you make me feel uncivilized, daisy,’ i confessed on my second glass of corky but rather impressive claret. ‘can’t you talk about crops or something? ’ i meant nothing in particular by this remark but it was taken up in an unexpected way. ‘civilization’s going to pieces,’ broke out tom violently. ‘i’ve gotten to be a terrible pessimist about things. have you read ‘the rise of the coloured empires’ by this man goddard? ’ ‘why, no,’ i answered, rather surprised by his tone. ‘well, it’s a fine book, and everybody ought to read it. the idea is if we don’t look out the white race will be—will be utterly submerged. it’s all scientific stuff; it’s been proved.’ in this passage, tom’s ideas about race relations come off as uncivilized. what literary device is fitzgerald using here?