Paiboc Analysis

PAIBOC ANALYSIS PP Slides for following PAIBOC Analysis Note Use complete sentences and proper punctuation / grammar. Do not exceed one page. P What is your purpose or your purposes? What do you want your audience to know, think, or do? The purpose of the message is to both crop students on the responsible use of credit and credit instrument panels and to give them tools and examples of how to use debt responsibly. A Who is your target audience? Describe the typical person in the group.What personal characteristics of your target audience ar relevant to this message? The target audience would be Seniors in High School-Graduate Students in College, primarily ages 18-24. Subtarget would be those who harbour little or no direct experience managing finances or even knowledge of such things as APR, late-fees, over-limit fees, etcetera Gender and ethnicity are tangential except as defined within economic needs. I What information must you include in the message? selective information that must be include consists of relevancy of debt/credit consequences of irresponsible use of credit ways to manage credit/debt and reasonable expectations of the use of credit. B How back you build support for your strength? What reasons or benefits entrust your target audience find convincing? Support is built through real-world examples, showing how much credit actually costs, consequences to job, insurance, or qualification to be employed in certain industries ability to remain in school rather than drop out to pay for debt, etc. O What objections can you expect?How can you address the objections? Most students live in the here and now, thinking little of future consequences objections will be numerous but I need to get that x, y or z it was on sale its a great deal I needed to pay for dinner, etc. objections whitethorn be addressed by helping students categorize expenses. C What aspects of the context or situation might affect audience response? Invitation to seminar or professed(prenominal) setting may have greater effect than, say, extemporaneous speaking at a cafA or bar. Standing outside a Mall and trying to persuade students not to spend will likely have little effect.Heres the scenario its your commencement week away from home and on campus. You are registering for class, caught up in the excitement of red-hot friends, experiences, new places to visit, and dozens of vendors handing out T-shirts, Frisbees, even Ipods so whats the catch? Each of these vendors is offering you a free credit card, just sign up up today no, you dont need a job, we trust college students. If you signed on the dotted line, youll not be alone over 75% of college students have at least two credit cards, and 60% have more than two.And, did you by chance take the time to read the fine print? Did you know that the first bill you receive, even if you dont spend a dime, will include a $50 activation fee? That your interest rate is almost %30 and that if you are even one day late on your payment youre charged a $50 late fee and your interest rate rises? Well, thats the reality of the situation, and yes, the governing is trying to regulate the industry and put guidelines on credit but ultimately, it is your responsibility to manage credit.Credit is a relatively new concept in consumer economic science your grandparents had to save and l everaging most things in cash exceptions were larger bribes like a home or car. Credit also has a cost to it which will vary depending on the situation and creditor. Credit is almost essential though, you cannot shop online without a credit or debit card you may need to purchase textbooks or an apartment deposit before your Student Aid money arrives, or you may have a medical emergency or move repair that is essential for your life. However, consider the following real-world example.Seth, like you, received numerous credit card offers which he accepted. Pretty soon, he was feeling quite wonderful, cogni se he had $5,000 in money that he could spend. Now Seth wasnt a brain, but he did well in school, and made a lot of new friends who invited him out regularly for pizza and beer. Of course, not wanting to seem cheap, Seth almost always bought a few pitchers and then there was that new videodisc oh, and those fantastic tennis shoes and did we mention Seth met a special person and wanted to impress- the bill for that night out was only $400 easy, secure?Within a few months, even though Seth had made his payments on time, his cards were maxed out he owed $5,000 to three credit card companies his periodic payments were right around $300, and, heres the focal point it will take Seth 11 years to pay off that slice of pizza he had prevail week, and instead of just owing $5,000, he will pay the credit card companies almost $10,000. What a great way to start a career, right, not to mention a family? Seths story isnt over. He cut his cards and tried to act responsibly and then it came t ime for his auto insurance enewal his rates change magnitude 23% he cryed and found out it was because of his credit score. Doing a little research, Seth found out that not only does his bank and insurance company check his credit score but also potential employers, especially higher-end or technological companies, have minimum standards before they will even interview. So, whats the yen way to manage credit its easy, and can be accomplished in just four simple steps 1. Use a debit card whenever possible especially for purchases like food, gas, and entertainment. Spend only what you can and resist the urge for that immediate gratification. 2. Save your credit cards for emergencies not emergencies like a trip to Matzatlan, but real emergencies like healthcare, auto repair, textbooks, seminars, etc. Even then, manage your credit so that you can completely pay of X purchase in 6 payments maximum. 3. Never be late on your credit card payment and always pay more than the minimum if an emergency happens, call the company, most will take a payment over the phone, although some with a small fee. 4. Avoid impulse dont carry your credit card to the bar, restaurant, etc. just in case. Budget for the present and you will be budgeting for the future.PAIBOC 35 up, 18 down PAIBOC stand for purpose, audience,information, objection, context. This is most valuable thing you will ever learn in life. Without PAIBOC you are a loser and good for nothing. Just ask that english teacher from woodbridge. In real truth PAIBOC is a worthless peice of crap that is good for nothing and really wont get you anywhere. It seems as though even this teacher has not applied PAIBOC to everything because she is so bad at everything that she does. Below are some suggestions of when to use PAIBOC. while using the toilet- your purpose is to pee or poo. our audience is anyone that may be in the washroom at that time. Information you recieve is whether you managed to go pee or poo. Benefits are feeling very relieved after. Objection is if nothing will come out and it objects. Context is the circumstances as to why you had to go pee or poo. please ask yourself these questions before the next time you use the toilet. PAIBOC stands for Purpose, Audience, Information, Benefits, Objections and Context. It is an analysis technique that can be utilise to analyse whatever you want. However, it is particularly useful when analysing a piece of writing material (-ie- Portfolio or Novel).