# Your Career in Business

## Going to College Is an Opportunity of a Lifetime—Never Drop Out

You have already had one of your dreams come true—you are in college. It is indeed a rare privilege because far less than 1 percent of traditional college-age people around the world get to attend college. You’re lucky! So make the best of it by finishing your degree and learning the following college skills.

### Learn to Concentrate

Concentration is the art of being focused, the ability to pay attention. Without concentration, you have no memory of what you hear, see, and read. Concentration is a frame of mind that enables you to stay centered on the activity or work you are doing. You know when you’re concentrating because time seems to go by quickly, distractions that normally take you off task don’t bother you, and you have a lot of mental or physical energy for the task.
You are ultimately in charge of how well you concentrate. Here are some ways to make it happen:
1. Choose a workplace. Avoid the bed—you associate it with relaxing or sleeping. Try a desk or table for studying; you will concentrate better and accomplish more in less time. You will also have a convenient writing space and plenty of space to spread out. Be sure to have good lighting.
2. Feed your body right. What you eat plays an important role in how well or how poorly you concentrate. Protein foods (such as cheese, meat, fish, and vegetables) keep the mind alert, while carbohydrates (such as pasta, bread, and processed sugars) make you sleepy. Caffeine (commonly found in coffee, tea, soft drinks, and chocolate) acts as a stimulant in low doses.
3. Avoid food. Food and serious learning don’t mix well. Think about it. When you try to eat and study at the same time, which gets more of your concentration? The food, of course. You will be more effective if you eat first and then study.
4. Listen to your own thoughts. Listening to anything but your own thoughts interferes with good concentration. Eliminating distractions such as music, television, cell phones, email and text beeps, and other people can greatly increase the amount of studying you can accomplish. Hold all calls, and let email and texts wait.
5. Make a to-do list. If you are trying to study but get distracted by all of the things you need to do, take time to make a to-do list. Keeping track of your thoughts on paper and referring to the paper from time to time can be very effective for clearing your mind and focusing on your task.
6. Take short, frequent breaks. Since people concentrate for about 20 minutes or less at a time, it would make sense to capitalize on your natural body rhythms and take a short break every 20 to 30 minutes. If you feel you are fully concentrating and involved in a task, then work until a natural break occurs.

### Learn to Manage Your Time

There are two ways to make sure you have more time in a day. The first and most important way to gain more time is to plan it. It’s like getting in a car and going somewhere. You need to know where you are going and have a plan to get there. Without a plan, you will waste your time and take longer to get to your destination—if you get there at all!
A weekly project planner will allow you to keep track of your assignments in more detail. It contains a to-do list specific to one day. It looks like a calendar but is divided into five one-day periods with plenty of space to write. Using a weekly project planner is an effective way to keep track of assignments and plan study time according to the school calendar. Free calendars are available at https://calendar.google.com.
A second way to gain more time in a day is to do more in less time. This can be as simple as doubling up on activities. For example, if you have three errands, you might try to combine them instead of doing one at a time, making one round-trip instead of three. If you commute on a bus, on a train, or in a carpool, you can study during your ride. At lunch, you can review notes. Use your imagination as to how you can get more done in less time.
Here are some ideas to help you master your time:
1. Prepare for the morning the night before. Put out your clothes; make lunches; pack your books.
2. Get up 15 minutes earlier in the morning. Use the time to plan your day, review your assignments, or catch up on the news.
3. Schedule a realistic day. Avoid planning for every minute. Leave extra time in your day for getting to appointments and studying.
4. Leave room in your day for the unexpected. This will allow you to do what you need to do, regardless of what happens. If the unexpected never happens, you will have more time for yourself.
5. Do one thing at a time. If you try to do two things at once, you become inefficient. Concentrate on the here and now.
6. Learn to say “No.” Say no to social activities or invitations when you don’t have the time or energy.
How well do you manage your time? Take the quiz in  to find out.

### Use Your Money Wisely

You can get college money from several different sources, including the following.
1. Grants and Scholarships. This refers to aid you do not have to repay. Grants are usually based on need while scholarships are frequently based on academic merit or other qualifying factors.
2. Educational Loans. These are usually subsidized by federal and state governments, private lenders, or the colleges themselves. Generally, the loans carry lower interest rates than commercial loans, and you do not have to pay them off until after graduation.
3. Work Aid. This is financial aid you have to work for, frequently 10 or 15 hours a week on campus.
There are many ways to cut the cost of going to college. Consider these:
1. Going to a community college for the first two years and then transferring to a four-year institution
2. Attending a nearby college and living at home
3. Enrolling in one of thousands of college and universities with cooperative educational programs that alternate between full-time studies and full-time employment
4. Taking a full-time job at a company that offers free educational opportunities as an employee benefit
To learn about college costs and financial aid, one of the first sources to consult is the website of The College Board, a not-for-profit organization that connects students to college success and opportunity. Some of the important topics covered at www.collegeboard.org include explaining financial aid, facilitating the application process, and finding colleges that fit. There are other websites that also offer information on financial aid:
1. http://www.fastweb.com: Fastweb has a database of more than 1.5 million private-sector scholarships, grants, and loans.
2. http://www.ed.gov: This is the U.S. Department of Education information site for federal aid programs, including student loans and grants.
Gain some insight into your money management skills by taking the quiz in 

### Study Well

The first key to doing well in a subject is to complete your assignments on time. Most instructors base their assignments on what they will be discussing in class on a given day. So, if you read the pages you are assigned for the day they are due, you will better understand the day’s lecture. If you don’t complete an assignment when it is due, not only will you be at a disadvantage in the class, but you will also have twice as much work to do for the following class.
Second, know what material to study. This may sound simple, but all too often students do not ask what material they should study and find out too late that they studied the wrong information. The easiest and most accurate way to learn what will be covered on a test is to ask your instructor or read the syllabus.
Tests measure your working memory and knowledge base. To help yourself remember, you can use several memory devices to recall the information you need to study. Here are a few memory devices that have been proven to work:
1. 
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The first letters of these words are: M V E M J S U N .
An acronym using these letters would be difficult to remember. But if you create a sentence using the letters in order, you will remember the sequence better. For example: 
4. 
 helps you evaluate your study skills.

### Become a Master at Taking Tests

Taking a formal test is like playing a game. The object is to get as many points as possible in the time you are allowed. Tests are evaluations of what you know and what you can do with what you know. Here are the rules of the test-taking game:
1. Rule 1: Act As If You Will Succeed. Thought is powerful. When you think negative thoughts, your stress level rises. Your confidence level may drop, which often leads to feelings of failure. When this happens, think about success. Smile and take deep, slow breaths. Close your eyes, and imagine getting the test back with a good grade written at the top.
1. Rule 2: Arrive Ahead of Time. Being on time or early for a test sets your mind at ease. You will have a better chance of getting your favorite seat, relaxing, and preparing yourself mentally for the game ahead.
2. Rule 3: Bring the Essential Testing Tools. Don’t forget to bring the necessary testing tools along with you, including extra pens, sharpened pencils, erasers, a calculator, laptop, dictionary, and other items you may need.
3. Rule 4: Ignore Panic Pushers. Some people become nervous before a test and hit the panic button, afraid they don’t know the material. Panic pushers are people who ask you questions about the material they are about to be tested on. If you know the answers, you will feel confident; however, if you don’t, you may panic and lose your confidence. Instead of talking with a panic pusher before a test, spend your time concentrating on what you know, not on what you don’t know.
4. Rule 5: Preview the Playing Field. Here’s how to do a preview:


5. Rule 6: Write in the Margin. Before you begin the test, write key terms, formulas, names, dates, and other information in the margin so you won’t forget them.
6. Rule 7: Complete the Easy Questions First. Answering easy questions first helps build your confidence. If you come across a tough question, mark it so you can come back to it later. Avoid spending so much time on a challenging question that you might run out of time to answer the questions you do know.
7. Rule 8: Know If There Is a Guessing Penalty. Chances are your tests will carry no penalty for guessing. If your time is about to run out and there is no penalty, take a wild guess. On the other hand, if your test carries a penalty for guessing, choose your answers wisely, and leave blank the answers you do not know.
8. Rule 9: Avoid Changing Your Answers. Have you ever chosen an answer, changed it, and learned later that your first choice was correct? Research indicates that three out of four times, your first choice is correct; therefore, you should avoid changing an answer unless you are absolutely sure the answer is wrong.
9. Rule 10: Write Clearly and Neatly. If you are handwriting your test (versus using a computer), imagine your instructor reading your writing. Is it easy to read or difficult? The easier your test is for the instructor to read, the better your chances of getting a higher grade.
Here are some websites to help you learn more about taking tests:
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