Respond to classmates’ posts 

SOCY 100

1. (Larry Rucker-Young) 

Part 1.

Christmas is a holiday celebrated on the 25th of December every year. The holiday is celebrated by many to remember the birth of Jesus Christ himself as he died for us and then came back to life also for the season of giving celebrated across many different faith. Some of the key aspects of Christmas include Church services, Christmas music and caroling, display of Christmas decorations those to include Christmas trees, Christmas lights, wreaths, Santa Clause, and mistletoes. Faith and family are two of the most paramount values during this seasonal holiday. Family are those people God has put in our lives that we’ve learned to love, give ourselves to them, and receive affection from them. Without family a lot of us would be lost in life as we don’t have others to help navigate during tough times. Faith comes from our relationship with God, knowing this is the root of Christmas and really life gives you a deep meaning behind gift giving, finding comfort during this time and sharing joy with those around you. A lot of the key aspects I mentioned would follow up under being a norm, many cultures believe in doing this every year, so many generations have passed down these traditions. 

Part 2.

So many of these big holidays play a huge role in social solidarity, Thanksgiving and Christmas are two that bring families closer and reinforce a stronger bond. Along with welcoming new family members in by including them in family photos or traditions. A time of joy, happiness, thanks, and love being spread whether it’s the conversations being held or gifts being received. No one should be alone during the holidays especially when a loss of a loved one has taken place in the past year or so, functionalism’s collective consciousness supports this best by tying shared beliefs, ideas, and feelings which help combine society to function properly. 

References and Citations:

University of Maryland Global Campus. (n.d.). Week 3. Culture and society. Document posted in UMGC SOCY 100 online classroom, archived at

(UMGC, n.d., Theoretical Perspectives on Society).  

2.(Nicholas Chisler)

Part one:

The Holiday that I chose to write about would be Dia De Los Muertos, which is also known as the day of the dead. This is a holiday traditionally celebrated on the first two days of November. This is primarily celebrated in Mexico, but can be observed in other locations as well. There are many traditions within the holiday including honoring the deceased using marigold flowers known as cempazuchitl, building alters called ofrendas, and visiting their families graves with gifts. These tables or alters called ofrendas are usually filled with the photos of their elders who have passed away, and some of the items that they loved when they were alive. This is considered a norm in their society because every single family partakes in the event. Everyone who partakes in the event also share a common belief that if you put up the photos of your elders, that they will be able to come back to the land of the living to celebrate with the living family members.  The celebration not only focuses on the deceased, but also celebrates those who are still alive. There are exchanges of gifts between families and writing epitaphs on the grave stones of other families as well as their own. These are small short quotes or ideas to support the life or happiness that the deceased individual used to bring to the family when they were alive. All of these things lead to the thought of it being a norm due to the celebration  brings happiness and celebrates death instead of mourning it. This brings everyone together and becomes a natural event that everyone wants to be a part of. 

Part two: Through the study of many religions, Durkheim developed the theory that explains what holds society and social groups together. He identified core aspects of religious structure that is still used today by sociologists to explain our society. Durkheim explained how rituals bring people together using shared practices and values and also how these rituals reaffirm shared values and strengthened social bonds between people. He called this Solidarity. He also explained the experience of collective effervescence. This is when people share happiness, excitement, and the feelin of being aroused. Because of these things, we have a sense of belonging and feel connected to one another. We also feel safe, comfortable, stable, and secure. 


University of Maryland Global Campus. (n.d.). Week 3. Culture and society. Document posted in UMGC SOCY 100 online classroom, archived at

Wikimedia Foundation. (2023, January 18). Day of the dead. Wikipedia. Retrieved January 29, 2023, from

Access leo: UMGC. University of Maryland Global Campus. (n.d.). Retrieved January 29, 2023, from 

FINC 331

1. (Shirley Bins)

Good Afternoon Everyone,

My opinion about Affinity Credit Cards’ affiliation with schools is that they should continue to do so.  Most of this is due to personal experience.  Even though there is the idea that the Universities or Colleges are doing it for personal gain,  it can benefit the student financially.  Because even if the schools didn’t offer it, the student would still get it from somewhere else.  I got one when I turned 18, didn’t read anything, just got it, and was planning on paying the first monthly payment once I got it in the mail.  I didn’t know it had an annual fee and a high-interest rate.  Those charges billed were half of the card’s limit.  If the affinity cards are regulated, and the schools have to abide by specific laws implemented, it can help out a student who needs to get by for a few months to get stabilized.  

this website has an NPV Calculator on it, I picked it because it said soup 😀


Credit cards and campuses. Inside Higher Ed. (2010). Retrieved January 28, 2023, from



2. Alberto Torres


One of the most important subjects I learned outside of the educational institution is the importance of good credit. The potential benefits of having good credit, which can be important for everything from qualifying for loans to where you plan on living in the future; in the present, however, the question some students may ask themselves is how they will obtain credit or finance in a time of need. With a need for financial support, especially early in university studies, programs were offering credit assistance. I recall the tables, the goodie bags of swag and a high-interest credit card for students. Lenders offered some of these higher-than-usual terms interests, with countless students signing up as Affinity offered some of the most unfavorable terms.

  Studies showed that students were obtaining credit early in their educational studies and raising interest rates as they doubled in charges faster than they could pay off the interest and terms. The Universities were also benefiting as studies showed financial contracts were offered to many Universities. If credit cards are to be offered, there should be safeguards for the financial institution and the students. The Credit Card Accountability, Responsibility, and Disclosure Act of 2009 was important in disclosing information to students and lenders about the practices of financial organizations. In 2002, a student carried a debt of at least $3,179. (Sallie Mae, 2008) The interest doubled months after financial institutions offered the loan, while high levels of debt and risky credit card behavior were related to decreasing in good management skills. Today, the job market asks prospective employees for their social media trends, affiliations, and financial information (credit history, rating scores, and organizations).

  Thankfully, these strides in accountability and transparency assist students and lenders in making more conscious and well-informed decisions. If the practice of offering affinity cards continues, watchdog groups and institutions should continue to practice and safeguard against debt crises.


Norvilitis, J. (2014). Changes over time in college students credit card attitudes and debt: Evidence from one campus. The Journal of Consumer Affairs. (48)3.

Sallie Mae, (2009). How Undergraduate students use credit cards: Sallie Mae’s National Study of Rates and Trends 2009. Wilkes-Barre, PA: Sallie Mae.