Derek spends more money a month than he makes from his job and just uses his credit card for everything. In one sentence explain to him why is this a bad idea?

This is a bad idea because he can lose his credit card, or aventually get into a hoard of debt, which isnt good, he also may not have enough money to do things like pay taxes of bills. Hope this helps :)

answer; nonpartisan election;

answer; can have a long term impact on the newborn;