Policies and their Unintended Effects for Income Inequality

Question: Write about thePolicies and their Unintended Effects for Income Inequality. Answer: Introduction Since past many decades income inequality in countries have been increasing or remaining stagnant. In many countries, top earners occupy a greater share, and for others there is very little rise in incomes. The condition of the low-wage workers is the worst. Income distribution is a bigger economic issue in many developed and developing companies. The need for income equality has urged governments to enter the markets and develop and implement policies that encourage income inequality. Governs have implemented policies like minimum wage policy, which sets a minimum wage for full time workers; social security policy which helps workers to plan for their retirement and gives insurance protection; and tax credit policy, through which the families living in poverty are helped by giving share of earned tax. However, these polices help some families to evade poverty but these policies do have some undesired side effects. The paper provides an overview of thee policies in Singapore and disc uses the side effects of these policies in relevance with Singapore. Minimum Wage Policy Minimum wage policy originated in 1938 by President Franklin Roosevelt, and was then known as the Fair Labour Standards Act (FLSA). Over years the coverage of FLSA was expanded to cover major industries, and the minimum wage rate has also been raised. When a minimum wage is established by the government, the firms are not allowed to pay anything less than the prescribed minimum wage. The long term objective of the minimum wage policy is to evade poverty that exists when it is seen that the earnings obtained from paid work are not able to help people and their families manage a living, and paid workers are unable to come out of poverty. However, there are some negative effects of the minimum wage policy. The policy is said to have detrimental side effects (Hovenga, Naik, Block, 2013). It is said that the policy ends up doing more harm, and the victims of the side effects are the unskilled labourers. The minimum wage policy creates unemployment for the workers whose productivity falls below the minimum wage (Hovenga, Naik, Block, 2013). The consequences of minimum wage policy can be explained using the microeconomics theory of demand and supply elasticity. The following figure explains the consequences using a hypothetical labour market. The demand curve is DD and the supply curve is SS, and as per the theory the intersection of the demand and supply curve will determine the competitive wage Wc, and the employment is Ec. When the minimum wage is set at Wm, employment will be reduced to Em. The reduction is employment is compared with the excess supply of labour (AC). The excess supply in labour leads to reduction in employment because the working hours will be reduced shown by AB. Also, excess supply of labour is characterized by workers who come to market with an aim of earning minimum wage. When the minimum wage is established the unskilled labourers will be removed out of market as their productivity does not match the minimum wage. Source: (Hovenga, Naik, Block, 2013) Moreover, the greater effects of this policy are seen on the youth and teenage labour. Economists suggest that the firms will adapt to the increased minimum wage by making some changes, and the government should be aware that minimum wage policy will not be cost-free and it will affect some part of the workers (Marginean Chenic, 2013). Higher the minimum wage greater the employment loss, and although it is aimed at improving economic well-being, it unemployment effect will be faced disproportionately by the low skilled workers and majorly by the teenagers (Burkhauser, 2015). The teen-agers are the least experienced and lower skilled and they are most likely to accept low wage for a job. Hence, if the minimum wage is set above the average market wage rate, it will reduce employment (Hovenga, Naik, Block, 2013). Tax Credit Policy The earned income tax credit (EITC) is referred as a tax credit policy that aims at reducing poverty and encouraging the workers by rewarding them, either by reducing the taxes and helping boosting the incomes of low-income and moderate-income families. It is one of the biggest cash transfer program adopted by U.S which benefits around 20 million taxpayers (Ault Bucknor, 2014). The EITC scheme is known as a refundable credit policy and according to it, the tax credit increases with every dollar earned by the couple or individual from their work. The tax credit is adjusted based on number of children. When the income of the family reaches the specified level, the family earns maximum credit, and as the income increases, the family receives maximum credit until they qualify for the phase-out. In the phase-out part, a reduction in the credit occurs for every extra dollar earned by the family and the process continues till the credit reaches zero. EITC can be seen as the supplement to t he income of the low and medium range families. Thus, the income-to-poverty ratio will be increased and thereby the income after-tax will also be increased, and hence, the likelihood of such families moving above the poverty line will be increased. EITC has been proved as a successful program, which has helped in raising low-wage families from poverty and encouraging work. The report suggests that in the year 2003, EITC managed to raise around 4.4 million people above the poverty line, and the program helps in significantly raising the children out of poverty. As per the reports of the Annual Social and Economic Supplement, EITC has helped in lowering poverty by 10% (Ault Bucknor, 2014). However, the EITC neglects the workers who dont have children in the household. The tax credit for the low-wage families without children remains significantly smaller, and so small that even the federal taxes for the poverty-line workers cannot be offset. Also, a parent without child, or a non-custodial parent who works full-time, at the federal minimum wage is not considered eligible for EITC, and hence, this group is taxed into deep poverty (CBPP, 2016). Also, EITC is having more costs than benefits due to frauds. It is found that due to misleading and false information about the income levels and the improper rate is as high as 25% which rounds off to around $6 billion per year as overpayments or false payments (Meyer, 2010). Moreover, EITC also makes higher earners pay more tax for these refundable credits, thus creating inequality (Edwards Rugy, 2015). Social Security Policy Social Security policy is an important federal program which is aimed at promoting income stability for the low-wage households. A steady income is given to the households as a part of this policy and replaces the wages lost as a result of retirement, death of the earner or any physical disability (Koenig Myles, 2013). Social security is said to largely benefit the retirees, however, it is said to have a positive impact on the economy. The report identifies that the impact of social security on economy is greater than the benefit payments; this is because ultimately, the receivers of the social security wont save the money but spend it on the goods and services, and thus the money is pumped back into the economy (Koenig Myles, 2013). Hence, as per the report, Social Security Policy in America benefitted more than 21.4 million people to move out of poverty (Koenig Myles, 2013). Although social security is helping the people get rid of poverty, but at the same time the rules of the social security payroll tax has negative effects on the high earners. As per the rules of the social security payroll tax, higher the income of the worker, lower is the return he/she gets on the payroll tax. Moreover, the mandatory participation requirement is even more expensive for the workers with higher income as the maximum amount for the wages that are subject to the social security payroll tax increases per year, and the payroll tax used to contribute to Medicare is again an additional cost (Bandow, 2009). Hence, social security policy does have some unintended effects. Scenario in Singapore Despite being one of the most open economies of the world, Singapore faces issues like wage stagnation majorly due to technological advancements, globalisation and competition from developing economies like China and India (Keong, 2007). Singapore is also facing income inequality. Hence, it is seen that the gap between the earnings of the low-wage and high-wage workers is increasing and the income of the low-wage workers is remaining stagnant. Singapore government has also included some policies for reducing poverty. Currently, Singapore is not having a minimum wage policy and an earned income tax credit policy in place, but It has a impressive social security policy. The social security policy was adopted in Singapore in 1955 and is more commonly known as the provident fund policy. There is a Central Provident Fund which has four account types, known as the special account, Retirement account, and Medisave Account. The policy covers local employees, and the policy coverage for public-sector employees is different (Dhamani, 2008). As per the social security policy of Singapore, every person who is employed is supposed to pay a specific amount of their earnings into the above mentioned funds, and the contribution depends on the income and the age of the worker (Poh, 2007). The amount in the ordinary account can be withdrawn by the workers specifically for home buying or for supporting their childs education, the special account funds can be used to invest in the venture funds, and the retirement account can be used for retirement benefits after the age of 65. Despite the social security system, Singapore is facing major issues of wage stagnation and income inequality which leads to poverty. Hence, a better social security system needs to be devised, so that there is a better alternative to poverty alleviation rather than just working long hours and working even harder (Keong, 2007). Singapore is currently working towards Workfare policy which is a subsidy policy that gives subsidy to workers, which is the best microeconomic policy which can be used to redistribute the income caused due to skill-biased growth, and help the workers that are at the bottom of the income pyramid (Keong, 2007). Hence, it can be said that, despite a better social security policy in place in Singapore, the country faces wage-stagnation, income inequality and poverty, and social security policy is not limiting the problems and causing a wage-gap, hence, it is important to reform the social security policies in Singapore. Conclusion Globalisation, technological advancements and wage stagnation have created income disparities and increase in poverty in many developed as well as developing countries. Poverty and labour market issues are faced by many countries. Many developed nations like U.S, U.K, Europe, Australia, and China have adopted some policies that are aimed towards reducing poverty. Minimum wage policies, earned income tax credit policies and social security policies. Review of the available literature and the reports which determine the effects of these policies have shown that despite contributing largely towards reducing poverty, these policies have some unintended effects. Minimum wage policy creates unemployment for the low-skilled workers. Similarly, the tax credit policy which is aimed at reducing poverty by giving credits to low-wage workers has actually become a burden for the high earners, as they pay more taxes so as to provide credits to the low-wage workers. Also, the households without chi ldren are given very less tax credits. Moreover, the social security policy is also proving a bad idea for the higher income workers. In Singapore, currently only the social security policy is in place and the policy is not able to reduce poverty, and moreover, Singapore is also facing wage-stagnation and income inequality issues. Singapore should to reform the social security policy for alleviating poverty. References Ault, M., Bucknor, C. (2014). Poverty and the Earned Income Tax Credit. The Public Purpose , 12, 1-16. Bandow, D. (2009). Social Securitys Coming Crash: The Certain End of Entitlement. CATO Institute. Burkhauser, R. (2015). The minimum wage versus the earned income tax credit for reducing poverty. IZA: World of Labor , 153, 1-10. CBPP. (2016, October 21). Center on Budget and Policy Priorties. Retrieved August 22, 2017, from https://www.cbpp.org/research/federal-tax/policy-basics-the-earned-income-tax-credit Dhamani, I. (2008). Income Inequality in Singapore: Causes, Consequences and Policy Options. National University of Singapore. Edwards, C., Rugy, V. d. (2015). Earned Income Tax Credit: Small Benefits, Large Costs. CATO Institute. Hovenga, C., Naik, D., Block, W. (2013). The Detrimental Side Effects of Minimum Wage Laws. Business and Society Review (118), 463-487. Keong, Y. (2007). ETHOS. Civil Service College. Koenig, G., Myles, A. (2013). Social Securitys Impact on the National Economy. Mississippi: Public Policy Institute. Marginean, S., Chenic, A. (2013). Effects of Raising Minimum Wage: Theory, Evidence and Future Challenges. Procedia Economics and Finance , 6, 96-102. Meyer, B. (2010). The Effects of the Earned Income Tax Credit and Recent Reforms. Tax Policy and the Economy , 24 (1), 153-180. Poh, J. (2007). Workfare: The Fourth Pillar of Social Security in Singapore. ETHOS.

Top Samples of Autobiography Essay Guide!

Top Samples of Autobiography Essay Guide! Where to Find Samples of Autobiography Essay When you have written your text, it's the opportunity to read it to find out what mistakes ought to be fixed and what things can be made better in your work. In addition, it's marvelous to realize your life in your words. Confession and forgiveness of others and ourselves are frequently the results of a life story undertaking. Quite simply, it focuses on one definite moment in an individual's life. Name ways whereby you've changed. The point is to highlight the best parts when you are able to. In either instance, you may discover that there's plenty of customers prepared to cover the privilege of reading your memoir. Allow the readers believe they're getting to know you right from the beginning. The Samples of Autobiography Essay Cover Up Attempt to make it quite intriguing. There is a plethora of experiences to select from. What the In-Crowd Won't Tell You About Samples of Autobiography Essay In spite of the simple fact that you compose a story about yourself, you still must stick to some requirements and build a superior structure of the essay. After you have gathered enough info, lay out the outline. As you prepare the lengthy essay, you are going to want to study several sample essays this will help you might only want to find out what a great title page appears like. Perfectly written essays lead to your entire score in a specific subject or course. Aside from the principal requirements you must follow if you prefer to compose an outstanding essay, there are a few other details that are crucial. Review Orders Once you submit your purchase, our professional writers who focus on providing editing services for your specific academic level and the subject is likely to make their offers. There's no required form or format to make your private story. Make certain you conduct thorough research before you decide on your writer to be sure they are capable of providing the degree of editing services that you require. The Bad Secret of Samples of Autobiography Essay Your writing ought to be so informal that the readers find it quite simple to link to it. Make the reader want to read the entire essay in 1 breath. You ought to make sure that it's interesting enough to force your reader to want to read the remainder of the paper. Imagine the face of one reader before starting. In the event you're still lacking the inspiration to compose your memoir, you always have the option to arrive at the writing experts at Custom-Writing. Readers who are considering writing their own autobiography will be interested to understand the facts of your research journey. Research agents to learn which ones accept autobiographical books. Employ a seasoned copy editor to make certain your book will have that expert polish. When it regards autobiographical essay writing, an individual should realize that it's the story of your life. At length, you've got to generate an outline of your upcoming essay. Writing your own personal story may be painful but cathartic exercise. Being yourself when writing your story is a fantastic way to keep the reader's interest. The very first sentence is easily the most important. If you discover that you're struggling, autobiography templates can help you begin. You've got to realize what you would like to achieve with this essay. In reality, an autobiography essay is similar to a brief story. Luckily, there are lots of innovative and well-thought-out autobiography samples that are readily available. Interesting lives result in good autobiographies. By doing this, you'll have something exciting to have in your autobiography. Use the introduction you opt to establish the fashion of the remainder of your autobiography. The Hidden Truth About Samples of Autobiography Essay Whether your aim is writing an autobiographythe story of your lifeor a biographythe story of othersit can appear an intimidating undertaking to sit down and compose the story of a whole life, which is the reason why I've created a class named Write Your Life Story that teaches you how to do it. Before you think about the work finished, you might want to set it aside for a couple weeks, then read it with fresh eyes. The crucial thing is to get the one which works best for your story. Its principal focus is on specific moments in your life. If you're a student, your life story may not be that long. Because every story needs to be concluded somehow. If you compose the life story of some other person, that's referred to as a biography. Whether you would like to inform you entire life story or only a specific portion of it is all up to you.

Best Topics For Essay Writing

Best Topics For Essay WritingTo be able to get that grade you need, and to get the best essay writing advice that is out there, you have to look into the best topics for essay writing. Topics are the most important aspect of writing an essay. They play a key role in defining the objective of the essay.You can only select the best topic for your essay if you know what you are looking for in writing the essay. Since there are so many different things to consider in getting the best essay writing advice, what is the best topic for an essay?In college class, they ask students to think of ideas that they think would make good topics for essays. What should they do when they can't think of anything? There are two options. One is to come up with some interesting, unique, or creative topic, or, two, you can just put down the word 'no' on the paper and get an F.When you cannot think of anything that you could write about, the best thing to do is to put down the word 'no.' That way, you won't hurt your grades. So, you don't want to blow your grades when you don't know what to write about. Just remember this - if it does not belong, it is probably not a good topic for your essay.So, what is the best topic for an essay? Well, that is the easiest part, you can decide. You can decide which subject you are going to write about, or you can decide if you are going to write an essay or a business essay. If you are going to write an essay, you need to decide where you are going to start, how long the essay will be, what format will you use, and most importantly, what topic you are going to use to start the essay.All of these points are important and you need to know how to write a topic essay properly. If you plan to use the same subject on both essays, then you want to plan your essay from the start to end.As you may know, there are several different things to consider in writing an essay. These topics are the best, but you have to take the time to choose the best one for you.

Critical Essay Topics On Biography Of Malcolm X

Critical Essay Topics On Biography Of Malcolm XMalcolm X Critical Essay Topics On Biography Of Malcom X is the chapter on 'Biography Of Malcom X' in my latest book. This chapter discusses two major themes in all of my books and many other books on my website, because they are so widely discussed in academic and activist circles.I propose to be as comprehensive as possible on these two themes and to do it at least twice. I am sorry to say that this is one of the chapters that will get short shrift.The first theme addressed in Malcolm X Critical Essay Topics On Biography Of Malcom X is the need for 'personal authenticity.' 'A passion for truth and honesty and conviction about the sincerity of his word and commitment to personal integrity is the defining characteristic of any authentic human being.' It seems that every single person has a great capacity for authenticity, which is expressed in a variety of ways in every person, even the ones we would never suspect.Some of the most admire d autobiographical essays are those written by people like Ken Kesey, Toni Morrison, Louis Farrakhan, Deepak Chopra, Malcolm X, Ralph Waldo Emerson, Al Sharpton, and Colin Powell. These are not just quotes or personal testimonies. They are actual, carefully thought out, straightforward statements of how they are. Even one of these people might say that he can't write because he was made to write.That is what makes the personal essay so valuable. Someone with a degree in creative writing can definitely write, but nobody has a degree in creative writing and neither does anyone have a degree in life.In my next essay, I will talk about the second theme addressedin Malcolm X Critical Essay Topics On Biography Of Malcom X. This is the idea that our humanity is all that matters and that there is no need to concern ourselves with other things. I suggest that this is the same thing that Orwell had in mind when he wrote, 'The mere absence of evil does not make the world safe for good men.' Th e essence of what Orwell had in mind was not that evil exists.He was saying that he, like millions of others, wants freedom. People like me need to take the first step on that journey.

Essay Sample Mau - Use One For Writing Your Essay

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Lynching, segregation, Jim Crow laws

Table of Contents Introduction Lynching Segregation Jim Crow Laws Conclusion Works Cited Introduction Racism is a destructive form of discrimination. This is because is devalues other people’s identity and denies them their right to exercise power. It destroys the unity within a community and leads to social divisions. It violates the democratic right of equality and the fair treatment of all people.Advertising We will write a custom research paper sample on Lynching, segregation, Jim Crow laws specifically for you for only $16.05 $11/page Learn More One has to understand the nature and form of racism that exist if he has to succeed in countering it. It is a world wide phenomenon that has been experienced in many countries and it mainly results from economic, political, and social factors. This papers gives a brief overview of three forms of discrimination (Lynching, Segregation, and Jim Crow Laws) practiced against African American in the Uni ted States. Lynching Lynching can be defined as the illegal killing of an individual by the mob. It is defined as â€Å"any act of violence inflicted by a mob upon the body of another person which results in the death of the person† (Barry 218). A mob is defined as a group of two (or more populace) congregating as one without authorization of the relevant powers that be, for the premeditated intention and objective to commit an act of cruelty against another being. It is a practice that was common among the white and the African. The African were normally executed by the white simply because of the white superiority. However, the whites who protested against this execution were at very high risks of being executed. Lynching is normally carried out by execution, setting a blaze or shooting the alleged individual in order to discipline, scare, or take control over a certain populace no matter its size. It is a means of social control practiced by the superior community against its minors (Niels 201). The governing populace used to employ lynching, especially in times of fiscal pressure, as a means of tyrannizing those that opposed them. The vice was also a widespread norm in cooling (social) tensions. For instance, in America, lynching was used against the African Americans after the American civil war when the Africans were given the right to participate in elections. In 1980s, violence was high especially after the southern Americans regained their political power. More then three thousand African Americans were lynched towards the end of the 19th century (Niels 202).Advertising Looking for research paper on common law? Let's see if we can help you! Get your first paper with 15% OFF Learn More Towards the beginning of the 20th century, new constitutions were created in America with provisions that disenfranchised most of the African Americans. They were not permitted to vote or to serve on juries. They were also excluded from participating in political activities. However, the Africans resistance to lynching increased significantly with the intellectuals encouraging them to protest against mob lynching. Various organizations and clubs were formed to raise funds that were used to protest against lynching. They were successful in their petitions, campaigns, and demonstrations since they helped in combating lynching. Today, lynching has been made illegal in many states including the United States. People who are found executing individuals through lynching are charged in a court of law. Segregation Segregation can be defined as the separation of persons into racial groups. It may apply in various activities such as attending school, shopping in the departmental stores, taking meals from a restaurant, or in the purchase of a house. Segregation is a practice that is forbidden but may be permitted by social norms. It is a kind of discrimination common in employment and in the purchase of houses. Certain races are discrimin ated against when purchasing a rental house or when seeking for employment. In America, legal segregation was permitted in many states especially in matters related to marriage. The blacks or the minority races were not allowed to intermarry with the whites. The law also prohibited interracial marriages even among the minority groups (Fireside 47). However, with time, some of these activities have been permitted. For instance, close contact (such as allowing people from dissimilar races to work for each other) is tolerable. Human classification into spatial segments is what is termed as segregation. In this arrangement there are those (educational) establishments as well as hospices that are for the whites and the African Americans should attend the same. Some races are allowed to use these institutions while blacks are discriminated against their use. This extends even in the business operations where people perform businesses with people from their own race or the preferred race. Social norms prohibit people from interacting with other races and this normally results in racial discrimination (Massey 20).Advertising We will write a custom research paper sample on Lynching, segregation, Jim Crow laws specifically for you for only $16.05 $11/page Learn More This occurs in social or political institutions. This occurs when these institutions discriminate the Africans from exercising their rights. These people are expected to conform to certain cultural assumptions which are deemed to reflect the dominant group. This form of discrimination is normally difficult to identify and also to counter, especially when the perpetrators view themselves as non-racist. The attitude, way of life, and behaviors of the white are extensively discussed over the media because they are seen as being reasonable and common although they do not exhibit the cultural diversity that is evident in America. Through the media, ideologies concerning racism are ar ticulated and later armored through group relations thereby forming a popular culture. As the government takes measures to address the discrimination imposed on the African American, racist beliefs are given first priority. The discrimination on the minority group (the African) is seen as being positive and confirmatory measures are seen as partisan treatment of one group by another rather than harassment by a popular group of people. Jim Crow Laws These were state laws enacted (1876-1965) in the US. The phrase Jim Crow is derived from â€Å"Jump Jim Crow†, a song about the blacks that was performed by a white actor. Later this phrase was used to refer to the African Americans and that’s how laws pertaining to racial segregation were given the name Jim Crow laws (Barnes 7). These laws allowed racial segregation in most of the public facilities. This resulted into inferior treatment of the African Americans by the whites. The white Americans received most of the public facilities in terms of education and access to social amenities. Jim Crow Laws are based on differences that are quite evident in values, customs, color, religion, perception about the world, and how people live. It also extends to the use of language where a certain group of people have negative attitudes towards the language used by others. Jim Crow Laws were applied in social or political institutions. This occurs when pubic institutions discriminate some groups of people from exercising their rights. These people are expected to conform to certain cultural assumptions which are deemed to reflect the dominant group.Advertising Looking for research paper on common law? Let's see if we can help you! Get your first paper with 15% OFF Learn More These laws were not related to the Black codes (1800-1866) which inhibited communal rights and liberation of the blacks. In 1954, the Supreme Court declared segregation in pubic schools as unconstitutional and the remaining part of the Jim Crow Laws were rendered unconstitutional in 1964 by the Civil Rights Act (Harvey 50). Conclusion Although law recognizes the cultural rights of different races and gives them the right of speech, the media still recognizes the dominant group whose culture forms the norm to be emulated by other cultures. The government recognizes and appreciates the diverse cultures and allows them to enjoy their rights. However, it has not put strong measures to ensure that they are not discriminated against by the dominant group. These cultural rights are not included in the constitution making it hard for the blacks to fight for their rights. Works Cited Barnes A. Catherine Journey from Jim Crow: The Desegregation of Southern Transit. Columbia: Columbia Universi ty Press, 1983. Barry A. Crouch â€Å"A Spirit of Lawlessness: White violence, Texas Blacks, 1865-1868,† Journal of Social History 18 (Winter 1984): 217–26. Fireside, Harvey. Separate and Unequal: Homer Plessy and the Supreme Court Decision That Legalized Racism. New York: Carroll Graf, 2004. Harvey, Fireside. Separate and Unequal: Homer Plessy and the Supreme Court Decision That Legalized Racism. New York: Prentice Hall, 2004. Massey S. Douglas. Segregation and stratification: A biosocial perspective Du Bois Review: Social Science Research on Race, 1: 7-25. Cambridge: Cambridge University Press, 2004 Niels A. Uildriks. Policing Insecurity: Police Reform, Security, and Human Rights in Latin America. New York: Rowman Littlefield, 2009 This research paper on Lynching, segregation, Jim Crow laws was written and submitted by user Falcon/SamWilson to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

8 Tips for Students Starting College

8 Tips for Students Starting College With so many options available for college students, knowing how to make wise choices becomes critical for success. These eight tips can help set you up for a strong first-year experience. 1. Goto Class This is number one for a reason. College is an amazing experience, but you cant stay if you fail your courses. Missing class is one of the worst things you can do. Remember: your goal is to graduate. How are you going to do that if you cant even make it to class regularly?​ 2. Participate in Events Early on- Especially During Orientation Lets be honest: not all events aimed at first-year students are super exciting. Tours of the library and silly-sounding mixers may not be your thing. But they connect you to the campus, help you meet people, and prepare you for academic success. So roll your eyes if you must, but go.​ 3. Don't Go Home Every Weekend This can be especially tempting if you have a boyfriend or girlfriend at home or if you live close to your school. But going home every weekend prevents you from connecting with other students, getting comfortable with your campus, and making it your new home.​ 4. Take Risks Do things that are outside of your comfort zone. Never been to a program that explored a certain religion? Never tried a kind of food thats available in the cafeteria? Never introduced yourself to someone from a certain country? Step outside of your comfort zone and take some risks. You went to college to learn new stuff, right?​ 5. Sign Up for a Class You Know Nothing About Just because youre pre-med doesnt mean you cant take a course in astronomy. Expand your horizons and take a subject you never even considered.​ 6. Learn How to Say "No" This may be one of the most challenging skills to learn when youre first in school. But saying yes to everything that sounds fun, interesting, and exciting will lead you to trouble. Your academics will suffer, your time management will be horrible, and youll burn yourself out.​ 7. Ask for Help BeforeIt's Too Late Colleges are generally pretty good places; no one there wants to see you do poorly. If youre struggling in a class, ask your professor for help or go to a tutoring center. If youre having a hard time adjusting, talk to someone in the counseling center. Fixing a smaller problem is almost always easier than fixing a big one.​ 8. Stay on Top of Your Finances and Financial Aid It can be easy to forget that appointment with the Financial Aid Office or that deadline by which you had to submit a simple form. If you let your finances slip, however, you can quickly find yourself in a lot of trouble. Make sure youre sticking with ​your budget throughout the semester and that you always know the status of your financial aid package.