Electronic Waste Popularly Known As E Waste Environmental Sciences Essay

Electronic Waste Popularly Known As E Waste Environmental Sciences Essay Electronic waste, popularly known as e-waste can be defined as electronic equipment or products connecting with power plug or batteries which have become obsolete due to advancement in technology, changes in fashion, style and status. E-waste is a popular, informal name for electronic products nearing the end of their useful life (Hawari and Hassan, 2008). This includes discarded computers, televisions, VCRs, stereos, copiers, fax machines, electric lamps, cell phones, audio equipment and batteries. Electrical and electronic waste (e-waste) is one of the most emerging issues that has caught the attention of various parties including policy makers, non-governmental organization (NGO) and the general public globally. This growing concern is due to the ever increasing volume of e-waste being generated resulting in activities such as collecting, dismantling and disposal of e-waste that has caused environmental pollutions and adverse impact on public health (Rosnani, 2010). E-waste in Malaysia is being regulated under the Environmental Quality Act (Scheduled Wastes) Regulations 2005 that came into effect on 15 August 2005 (Rosnani, 2010). The inclusion of e-waste the 2005 regulation is to adequately control the management of these wastes generated in the country as well as to enable Malaysia to disallow importation of used electrical and electronic equipment either for refurbishment or recovery only for short term usage, following which equipment is disposed off. Today, it is frequently cheaper and more convenient to buy new machine to accommodate the newer generations of technology than it is to upgrade the old. Expanding e-waste especially mobile phone and computer in all kind of sectors causing the increasing of the quantity of e-waste. E-waste contains significant quantities of toxic waste. Each computer or television display monitor contains an average of 4-8 pounds of lead. Monitor glass contain about 20% lead by weight. About 70% of heavy materials like mercury and cadmium found in landfill come from electronic equipment discard (Hawari and Hassan, 2008). These heavy metals and other hazardous substances found in electronic can contaminate groundwater and pose other environmental and public health. Moreover, the health impacts of the mixtures and material combination in the products often are not known (Noraida, 2010). The production of semiconductors printed circuit board, disk drives and monitors used particularly hazardous chemical. Therefore, one of the objective of this study is to find out the applicable management of e-waste around the world and their effects to human health. There are various issues of concerns with regard to e-waste disposal and recycling. This research proposal overview the issues specifically related to the export for recycling. Particularly, it discusses documented effects on human health and the environment that have been tied to unsafe recycling practices in developing countries. It also provides an overview of various factors necessary to be understand why e-waste disposal has become a concern on each countries. Therefore, it is important to have a good e-waste management in order to ensure that it will not harm to human and environment. If we not do the recycling, these e-waste will be disposed off. There are several methods to dispose e-waste either landfill or incinerator or open burning. However, if we look at to it closely, all this method will give negative impacts to human and environment. Other than that, problem related to facilities and location of e-waste disposal is occurring. When we landfill the e-waste, it will contaminate groundwater. If we incinerate e-waste, it will produce hazardous smelt and left hazardous residue. If we recycle the e-waste, it will harm the recycle team. Lastly, we export the e-waste to other country (Noraida, 2010). Now, we have no choice and scientist today should do more research on these problem. E-waste management need to fulfill different objectives which go beyond pure technical implementation. Especially in developing countries and countries in transition, which a lacking legal and institutional framework, as well as missing infrastructure, e-waste management demands for a comprehensive and structural approach. This has been echoed by various international organizations and initiatives, including the United Nation Developing Organization (UNIDO), the United Nation Environment Programmed (UNEP), the Basel convention, the Solving the e-Waste Problem (StEP). Several development cooperation project adopted a three step approach.  [1]   Understand the current framework condition Developing a structured strategy in a multi-stakeholder approach Implementing the strategy through a roadmap with assigned responsibilities and a timeframe The research will give beneficial to all community. Government can either try to avoid all the methods that can give negative impacts or if not, just look for the better management we have around the world that also included in this proposal. It also can give public awareness for those concerns. . It is hoped that these research proposal will assist in the better understanding and management of e-waste and a prompt action can be taken by the government to improve what we have now before it is too late. Objective to find out the issues and challenges on developing and implementing e-waste management To find out the applicable management of e-waste around the world and their effects to human health. To study the recommended actions that can be taken to tackles the e-waste issues Literature review Examining E-waste Related Legislations and Regulations In its list of recommendations to combat illegal dumping of E-waste, the Basel Action Network (BAN) urges governments to pressure manufacturers to remove toxic chemicals from products as soon as possible. BAN also calls on strict enforcement of the Basel Convention  [2]  and lauds Australia for its efforts in that regard (Michael, 2012). Regarding issues in Australia, it requires full testing of electronic waste to certify that it complies with the Basel Convention before it is exported. The BAN report on dumping in Lagos calls the U.S. the worst actor among developed countries that perpetuate dumping of hazardous waste in developing nations. Other place, Massachusetts Department of Environmental Protection state that cathode ray tube no longer be accepted at transfer stations, landfills or landfill operators or a penalty of USD 25000 for each offense (Iswalah, 2008). Transboundary movement of hazardous waste is con-trolled by the Basel Convention, which entered into forcein 1992.  [3]   In Malaysia, government legislations have been introduce to control this situation. First under Environment Quality Act !974 Sect. 18(1). There are; E-Waste classified as Scheduled Waste and given the code of SW 110 E-Waste can only be handled by licensed contractors. Act enforced by Department of Environment. Enforcement-oriented rather than Facilitation-oriented. (PEWOG, 2009)  [4]   Second is under Public Cleansing and Solid Waste Management Act (2007), it state that all waste belongs to the government or its contractor (PEWOG, 2009). The question is the present of collection and processing activities illegal because all waste belongs to the government or its contractors. Then, confusion and uncertainty begin to float. Besides using the Environmental Quality Act (1974) to manage these wastes, the DOE is also using the Custom Order (Prohibiton of Import/Export) Order 2008 to control the importation and export of e waste (Ong, 2009). 2. Issues And Challenges On Developing And Implementing 3R (Reduce, Reuse and Recycle) There are several methods to manage all these e-waste materials. The most safe, encourage and cheapest is by 3R that are reduce, reuse and recycling. it can be summarized as follows (Hawari and Hassan, 2008) : à ¢Ã¢â€š ¬Ã‚ ¢ Reduce: attempt to reduce the amount of waste generated reduce/eliminate use of toxic substances like lead and mercury. à ¢Ã¢â€š ¬Ã‚ ¢ Reuse: repeated use of items or parts of items which are still usable à ¢Ã¢â€š ¬Ã‚ ¢ Recycle: use of waste itself as resource Since e-waste recycling is largely unregulated, accurate data regarding the end markets, both domestic and abroad, are not publicly available. Therefore, it is difficult to know how much e-waste that is collected for recycling is actually exported for processing (Linda, 2010). In the waste management hierarchy, 3R is high on the priority list and country analysis paper by Malaysia in one of its forum  [5]  state that Malaysia is capitalizing on technologies which are environmentally friendly, proven and cost effective to enhances its 3R programmers and activities in the country. The analysis paper also state that the construction, operation and maintenance of plants using such technologies involves high capital and cost. The banking sector is quite reluctant to provide the financial support especially when new technologies are involved. We still have weakness in recycling system around the world. The infrastructure like network of waste collection, transportation, and sorting activities is still being developed. Then proceed to the actual processing on the e-waste, if compared to recycling of paper, glass, and plastic, the process is more costly and expensive. Most local authorities in Malaysia did not have a sound financial resources to pay for all the new technologies carried out to treat and dispose the waste. Without the federal government intervention or commitment to provide the bridging finance, the introduction of environmentally friendly and modern technology will face an uphill task.  [6]   Then other problem on the situation when e-waste may be processed domestically after collection is also limited. A company that operates as a recycler may actually be a waste consolidator that sends the waste to another vendor. Those downstream vendors may separate the units for reuse, ship whole units abroad for processing, or process it domestically to some other uses (Linda, 2010). Good news is the electronics manufacturers are currently driven by various forces to make their products more easily recyclable and with fewer hazardous constituents.  [7]  Any future changes to electronic devices have no impact, however, on the hundreds of millions of devices currently in use or obsolete devices currently in storage (Linda, 2010). Eventually those devices will make their way to the disposal or recycling markets. Disposal (Incineration, Open Burning Or Landfilling) Incineration means destroy something especially waste material by burning. It is associated with a major risk of generating and dispersing contaminants and toxic substances (Mathias, 2010). The gases released during the burning and the residue ash is often toxic. Municipal solid waste (MSW) state that incineration plants have shown that copper, which is present in printed circuit boards and cables, act as catalyst for dioxin formation when flame retardants are incinerated (Gongkia, 2000). At this time incineration of toxic e-waste is taking place without much restriction around the world, especially in poorer countries. Incineration of electronic waste should be the last resort and should be at a minimum if not completely banned (April, 2010). Same goes to open burning which releases many pollutants into environment Since open fires burn at relatively low temperatures, they release many more smoke than in a controlled incineration process (Hawari and Hassan, 2010) When we landfill the e-waste, the problems comes by the leachate produces. It is often contains heavy metals and other toxic substances which can contaminate ground and water resources. Even state-of-the-art landfills which are sealed to prevent toxins from entering the ground are not completely tight in the long-term (Singh et al., 2012). Significant impacts from landfilling could be avoided by conditioning hazardous materials from e-waste separately and by landfilling only those fractions for which there are no further recycling possibilities and ensure that they are in state-of-the-art landfills that respect environmentally sound technical standards (Gongkia, 2000) Export In America, according to National Safety Council (1999), currently the cheapest e-waste recycling option in the US is to send e-waste overseas (McCarthy, 2002). According to the Environmental Protection Agency (EPA), up to 80% of American recycle e-waste is exported to poorer countries. However , how it is used or disposed of there is largely unknown (McCarthy, 2002). Example in Guiyu  [8]  , China, the PCs and peripherals forming mountain and overflowing into streets, with its people making a living stripping away PC part with their bare hands. Ministry of environment in India showed no results concerning report of e-waste, but the ministry admits that a 100% controls of the borders is not possible. What complicate the problem is that computer waste, which does not have any resale or reuse value, is openly burnt or disposed off in landfills. Although it is difficult to know exactly how much e-waste collected for recycling is exported, it appears that India or developing countries in Asia or Africa are most likely to receive e-waste. In these area, children and adults are not wearing safety to dismantle the e-waste in order to sell salvageable items. The rest of the materials are burned or buried. In Ghana, China and India, many of the workers are children, maybe substantially exposed to these hazardous materials (Kevin, 2007)  [9]  . 3. Management of E-waste in Malaysia. Malaysia has been putting a lot of effort to eradicate this problem before it gets persistent and out of control. The Recycle PC campaign, spearheaded by the Association of the Computer and Multimedia Industry of Malaysia (PIKOM) and waste management company Alam Flora Sdn. Bhd  [10]  , is picking up steam since its launch in march 2005 (Vatis, 2005). This campaign aims to create environmental awareness by encouraging the public and organisations to recycle PCs and the peripherals. Between the period of March 10 and April 30, 2005, Alam Flora has collected 816 computers and peripherals. This includes 194 computer monitors, 147 central processing units (CPUs) 428 printers, and 47 miscellaneous PC components (Karim, 2005) Panasonic Malaysia Sdn. Bhd. is among the first corporations to answer the call to recycle when it handed over 60 used PCs and laptops to Alam Flora within a week from launching the PC recycling campaign. The Japanese technology giant also pledged to donate more PCs to the Recycle PC campaign each time its embarks on a PC upgrading exercise. Alam Flora has assigned collection points and recycling centers all over the country for people to drop off their old PCs (Hawari and Hassan, 2008). Malaysia is not a destination for others countries put their e-waste. The non-systematic exporting and disposal of e-waste will give threat to our environment. Because of that, Department of Environmental is undergoing a research on take back policy specifically for encourage the producer companies to take back the electric and electronic that do not want to be used anymore for being recycle or dispose in safety ways (Douglas, 2010). Scrap computer/ television/ mobile phone and other e-waste Free/ sell Scrap collector Middlemen/ junkshops Recycling centres 2nd hand item Disposal facility Sell e-waste recylers Pre-treatment (separation) Scrap plastics/ others Raw materials Main board Electronic component Export market/ reassembling Local market Re-furnish/ recondition recycling Figure 1 : Materials flows of e-waste in Malaysia (Japan International Cooperation Agency, 2005) Currently, there are 138 e-waste recovery facilities in Malaysia. 16 out of them are the full recovery facilities and the other are the partial recovery facilities (Rahman, 2008). The main technology employed to recover e-wastes in terms of precious metal in Malaysia is still limited to wet chemical processes and electrolysis. State Partial recovery facility Full recovery facility Johor 17 3 Kedah 12 1 Melaka 12 3 Negeri Sembilan 5 1 Perak 4 0 Pulau Pinang 37 6 Sarawak 5 0 Selangor 25 2 Wilayah persekutuan 5 0 Total 122 16 Grand total 138 Table 1 : distribution of e-waste recovery facilities in Malaysia. (Rahman, 2008) But some of them that do not going to recycle are required to be transported by licensed contractors and dispose off in the centralized scheduled waste treatment and disposal facility in Bukit Nanas, Negeri Sembilan. (Theng, L. C., 2008)  [11]   The Bukit Nanas Waste Management Centre in Bukit Pelanduk, Negeri Sembilan, has the countrys sole landfill for hazardous waste. Here waste that has been treated, stabilized and packed in drums or durable plastic bags are buried in the landfill. 4. Effects On Environment And Human Health According to Environmental Protection Agency (EPA), more than 3.2 million tons of e-waste ended up in us landfills. European studies estimate that the volume of e-waste is rising by 3% to 5% per year, almost three times faster than municipal waste stream. Therefore, early action needs in order to tackle this problem before it is going up in our country. From Basel Action Network (BAN), estimate that the 500 million computers in the world contain 2.87 billion kilogram of plastics, 716.7 million kilogram of lead and 286700 kilogram of mercury. Table 2 shows some of the hazardous material that contain in the computer and their effects to human and the environment. Hazardous material Location Effects Lead Soldering of printed circuit boards and other electronic component Glass panels in computer monitors (cathode rays tube) Damage to the central and peripheral nervous system, blood system and kidney in human. effects to the endocrine system negative effects on the development of the brain in children have been well documented (Howell, 2001). Cadmium SMD chip resistors, infrared detectors and semiconductors. Possible risk of irreversible effects on human health (Howell, 2001). Easily be accumulated in amounts that cause symptoms of poisoning Mercury Batteries, switches/ housing, and printed wiring board. Causes chronic damage to the brain. Polyvinyl Chloride (PVC) Cabling and computer housing. Cause of dioxin  [12]  formation. Brominated Flame Retardant Printed circuit board act as endocrine disrupters cause an increased risk of cancer to the digestive and lymph systems reduce levels of the hormone thyroxin  [13]  in exposed animals. Table 2 : toxic chemicals contain and their effects (Hawari and Hassan, 2008). Various scientific observations indicate that polybrominated diphenylethers (PBDE) might act as endocrine disrupters. The levels of PBDEs in human breast milk are doubling every five years and this has prompted concern because of the effect of these chemicals in young animals (Howell, 2001) In addition, organisation for Economic Co-operation and Development in 1993 state that hexavalent chromium also exists in some of e-waste. It can easily pass through membranes of cells. It causes strong allergic reactions even in small concentrations. Asthmatic bronchitis is another allergic reaction linked to chromium VI. Chromium VI may also cause DNA damage (Howell, 2001) The incineration, land-filling, and illegal dumping of electronic wastes all contribute toxic chemicals to the environment. Environmental impacts includes contamination of all local environmental media like soil, air, surface water and ground water. For example, the primary hazardous recycling operations in Guiyu involve; Metal recovery that involves in open burning of wires to obtain steel and copper, cathode ray tube cracking to obtain copper-laden yokes, disordering and burning of circuit boards to remove solder and chips, and acid stripping chips for gold. Plastic recycling through chipping and melting; and dumping of materials that cannot be further processed (such as leaded CRT glass and burned circuit boards) and residues from recycling operations such as ashes from open burn operations, spent acid baths, and sludges (Yan, et al, 2009). Children in Guiyu were found to have blood lead levels (BLL) that were significantly higher than those in the neighboring village. Elevated BLLs in Guiyu children were common as a result of exposure to lead contamination caused by primitive e-waste recycling activities (Xia, 2007). . Prevents Options To Tackle The E-wastes In this section, some actions that can be adopted are reviewed. Almost all of these actions have to be carried out simultaneously. Someof them are targeted to create a wider awareness amongst the end-users. Binding purchasing with take-back product responsibility The aim of extended producer responsibility is to encourage producers to prevent pollution and reduce resource and energy use in each stage of the product life cycle through changes in product design and process technology (Hawari and Hassan, 2008). Hence, the producers have a great deal of responsibility to take back their products and recycle them at the end of the products operational lives. It puts full financial responsibility on producers to set up collection, recycling and disposal systems. In Malaysia, suitable take scheme on e-waste will enhance the management of e-waste (Rahman, 2008). He state that Voluntary take back scheme of e-wastes has not been implemented widely by the producer/ importer of electronic and electrical equipment, hence a compulsory requirement of take back scheme through legislation is required. Campaign to increase awareness If E-waste causes problems, the first priority should be to reduce its generation. In this regard, consumers in exporting countries should change their lifestyles (Moriguchi et al, 2006) Other we can do by giving some reward to the public to encourage them involve in 3R and the reward is not necessary in kind of money (Iswalah, 2008). The end-user should contact the local or state government representatives, explain to them why he or she is concerned and ask them to get involved in developing solutions (Hawari and Hassan, 2008). By donating used electronics, schools, non-profit organizations, and lower-income families can afford to use equipment that they otherwise could not afford (Hawari and Hassan, 2008). Swiss Association for the Information, Communication and Organizational Technologies (SWICO) system This system compared to other is one of the most best management of e-waste nowadays.The system considers material flows related to electronic equipment from the point where it becomes waste until the point where the fractions resulting from sorting, dismantling, recycling and disposal processes become secondary raw materials or are disposed of in a landfill (Doka, 2003). So, how its work? According to Muller and Esther (2009), Manual dismantling is the first step, more traditional way to separate hazardous materials from recyclable materials, and to generate recyclable materials from electronic waste. In a pre-sorting process, the incoming e-waste first is separated into the different categories. Then, mechanical dismantling, the typical components of it plant crushing units, shredders, magnetic separators and air separators. The exhaust gases are clean up in waste gas purification plants and the dust generated collected with dust filters. And for refining, it is included mechanical, thermal and chemical processes and typically performed for fractions such as batteries, ferrous and non-ferrous metal, recyclable plastic and printed boards. Methodology Most of the methodology of my research proposal is by doing library and internet research. It is important to get background information and to study the past research. It is also useful to make the literature review. I will go through some of the journals, articles, reports and projects there. To get better understanding, I will get some interviews with the workers at Department of Environtment (DOE) to get details data about how e-waste is managing in Malaysia and generally around the world.. I also will go for interview with Prof. Aghamuthu  [14]  (lecturer in UM) for his opinions. By using recorder, all the conversations and dialogues will be recorded. Survey is also useful to get the information. It will be distributed them to the workers that work in landfill site especially in Bukit Nanas, Negeri Sembilan. The survey contain more on investigating their bodys health and to be related with the symptoms due to toxic discarded from e-waste. Site visit also involved in my methodology. It will take up to a fully day for me to see all the process. It is also to make sure that i will not left behind all the important information. Along the visit, camera will be used to take photos there to help me get a better analysis. Expected output There still a lot of issues that should be consider in managing the e-waste. . Work Plan The work plan start in week three and it takes about 11 weeks to finish it. Weeks Actions 3 Choose the title To make sure that the title is not to narrowed or broad, and to make sure it can be done on the time given. 4-7 Library and internet research By collected, take note, and borrows the materials from them before further analyse. 8-10 review and Analyse data Organize all the information into the structure of research proposal and relate the information of one reading to another. 11-13 Presentation work Prepare the slide that summarize the research proposal. 14 Submit report Do some repair on the lack and comment from presentation. Budget Estimated budget: Item Price (RM) Transportation for fuel and public transportation 100.00 Prints for surveys paper, and all the reading materials that cannot be borrowed. 20.00 Gift for interviewers 30.00 total 150.00

Managing Teams

The behavioral psychology of a modern man is that only as the individual joins with his fellows in groups and organizations can he hope to control the political, economic, and social forces that threaten his individual freedom (Hersey, 1996, p. 359). One of the realities of organizational behavior is that we have to work in and with problem-solving groups in order to accomplish our aspirations.   No matter how much individual value is emphasized, almost all of the goals can only be achieved in a group. It is therefore important to apply behavioral science principals and concepts to managing teams more effectively. Creating and managing teams in the workplace can lead to effective outcomes. Teams (formal work groups) are increasingly viewed as productivity engines and just like engines, they require constant care and maintenance (Dumaine, 1994 pp. 86-92). Organizations that are willing to invest in matching the right type of team to the right situation are getting very high returns on their investments.   Success in managing teams depends upon clear and decisive executive management, vision, training as well as involvement of cross-functional group of employees (Hersey, 1996, p. 360). According to Brian Dumaine, there are five types of teams: Problem-Solving Teams: Identify and attack a problem and then disband. Management Teams: Coordinate work from different departments and functions. Work Teams: These are self-managed teams doing daily work. Virtual Teams: They accelerate and use high technology communications to exchange ideas and roles. Quality Circles Groups: They consist of workers and supervisors who meet periodically to address problems. Managing a Productive Team Success in creating a productive team also depends upon the way the teams are put together and how they draw on their experiences. It also depends on how the team is designed. Teams that learned new procedures quickly share three essential characters. They were designed for learning; their leaders framed challenges in such a way that team members were highly motivated to learn; and the leaders' behavior created an environment of psychological safety that fostered communication and innovation. Another critical aspect of team designing was the extent to which substitution is permitted. For that leaders need to develop conditions for team members such as establishing open communication and developing trust a sense of camaraderie. Executive management team can also dilute the complexity of surrounding strategic issues by giving more sophisticated analyses and comprehensive solutions as well as establishing an appropriate atmosphere for the team because perceptions become reality, understand and manage them; investigate the gaps between perceptions and reality; and act decisively to correct gross misperceptions. As Douglas K. Smith suggests, â€Å"in the end, the wisdom of teams is within the team itself. It is not in creating the high performance organization, managing transformational change, enforcing corporate performance ethics, or inspiring new dimensions of leadership. It is in a small group of people so committed to something larger than them that they will not be denied† (Ward, 2007, pp. 85-90). It is important to develop teams of people (human resource) to fulfill goals and objectives according to a company's entrepreneurial vision. The internal environment of any organization would favor and encourage corporate team building policies, a complete corporate culture and values to achieve organizational goals and vision. References Creating and Managing Teams from organizationaldynamics.com http://sloanreview.mit.edu/x/48313 John R. Katzenbach and Douglas K. Smith, The Wisdom of Teams.

Personal Statement My Son - 945 Words

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Hence, it is considerably more functional to speak mildly of yourself or your actions if you intend uphold your statements in practice. Further, if you rarely speak, or even do not speak at all, your deeds and actions will generally always exceed your statements. In this same section on words and actions from the Analects, Confucius even says, â€Å"I wish I could avoid speaking.†Ã¯â€š ¼ (130). This shows that he prefers letting his actions speak

Sample Essay on How to Save Money How to Be in Good Funds When You Are a Student

Students are always looking for ways to save money. Some turn to part-time jobs while others resort to reducing their expenditure. This is a sample essay on how to save money that could inspire you to write a masterpiece on this issue. The life of a college student is not as rosy as most people imagine it to be. Well, there are amazing parties and all sorts of fun things to do when in college, but that’s just it. Students have societal expectations to deal with. They have assignments and projects to deliver and exams to ace. This is no easy task since some of the courses in college are tough and ever-absent professors don’t make things easier as well. There is also the issue of student finances to deal with. Without a steady income, college students are forced to rely on student loans and funds from their parents to see out a semester. These funds, however, are not always enough and students are forced to turn to unorthodox means to make sure they have enough for their education. Students are forced to reduce their spending on certain items, and this usually comes with harsh consequences. In an attempt to save more, students would resort to cheap meals or even skip some of them altogether. These cheap meals are usually very unhealthy, and the students miss out on the vital nutrients that are needed for healthy growth and development. Some of the cheap meals that students turn to in an attempt to save money include fast foods such as French fries and burgers. These meals are unhealthy, and their regular consumption has a bad impact on people’s health. Cutting out on entertainment is another ‘luxury’ that students do away with to save money. Movies and music concerts cost money and students avoid them so as to save as much as they can. Some even avoid going out with their friends and spend most of their time in their rooms. Entertainment, however, is very important for the emotional development of a human being, and students are advised to take time for entertainment. A lack of entertainment among college students may cause depression and other emotional issues since all that the students will be thinking about is books and their academic assignments. Students also turn to free software and applications so as to save money. These non-premium versions, however, come with a lot of bugs and students are at risk of virus attacks to the minimum. Some would even terminate their gym membership to save money. Most colleges have gyms on campus, but they are usually in a poor state and that is why students visit gyms that are off campus. When times get tough, most students would terminate their membership so as to save as much as they can. Without working out, students get unhealthy, and this brings a lot of challenges. Tough times call for tough measures. Students resort to the above-mentioned activities to save money, but these methods have some harsh consequences attached to them. References: Boatman, A., Evans, B., Soliz, A. (2014). Applying the lessons of behavioral economics to improve the federal student loan programs: Six policy recommendations. Policy report written for the Lumina Foundation. Buckley, A., Soilemetzidis, I., Hillman, N. (2015). The 2015 student academic experience survey. The Higher Education Policy Institute and Higher Education Academy. Duclos, R., Khamitov, M. (2016). Is Cash Almighty? Effects of Hard vs. Soft Money on Saving/Investment Behavior. Fagerstrà ¸m, A., Hantula, D. A. (2013). Buy it now and pay for it later: An experimental study of student credit card use. The Psychological Record, 63(2), 323. Garbinsky, E. N., Klesse, A. K., Aaker, J. (2014). Money in the bank: Feeling powerful increases saving. Journal of Consumer Research, 41(3), 610-623. Karlan, D., Linden, L. L. (2014). Loose knots: strong versus weak commitments to save for education in Uganda (No. w19863). National Bureau of Economic Research. Thompson, S., Cross, W., Rigling, L., Vickery, J. (2017). Data-informed open education advocacy: A new approach to saving students money and backaches. Journal of Access Services, 14(3), 118-125.