Thursday, May 27, 2010

Paying Off Student Loans

All those midnight study sessions, sacrifices made and classes that you were sure would be responsible for your undoing are all finally behind you now. Diploma in hand, job offer on your mind and the future at your doorstep, you're ready to begin this new chapter in your life. Only thing keeping you awake at night are those pesky student loans. Your priority is to get them paid off so that you can begin saving for a home and hopefully, what will be the money you'll use to put your own children through college someday. A. Harrison Barnes, career coach and founder has a few ideas for making your student loans a thing of the past. "First", he recommends, "it's important you keep detailed records - that means cancelled checks, the Excel spreadsheet you created to keep you on track, people you've spoken to over the years and any other paperwork".

After you've got your mind and paperwork organized, it's important to really spend some time understanding the details of your loan.

For instance, is it a federal loan or a personal loan? Also, Barnes, who is also an attorney, says to keep your eyes open for new laws. Currently, Congress is considering an option that would allow certain loans to be eligible for bankruptcy. That's a bit into the future; however, it's important to stay current.

If you're struggling to maintain the monthly payments, the founder suggests you contact your lender. There are payment options available, one of which is a graduated payment plan that allows your payments to stay in proportion to your income. It's always good to know you have options, but if you're not taking advantage of them, you may be causing yourself a lot of sleepless nights. Can't cover any payments right now? You may qualify for deferment. Check with your lender.

Not being able to make your payments because you're not earning what you expected is one thing; not being able to make your payments because you're living beyond your means - whether it's a new boat, new car or an apartment that's too pricey - is another thing, says Barnes. "Those luxury items will soon feel like major burdens if you've not acted responsibly in your decision making process". Before you buy anything after college, commit to paying those loans off first. You'll enjoy your material possessions a lot more if you do.

Finally, if you keep hitting brick walls, no matter what you're doing (and what you're not doing), ask for help! Your local bank might be able to help with a consolidation loan (again, depending on your current loan type) and there are many assistance agencies available to help you help yourself as you begin life as an adult. The point is to not allow your debt to overwhelm you. With persistence and a commitment to yourself and your lender, you can put those student loans, complete with a "Paid in Full" stamp, into your past.

Friday, May 21, 2010

Barristers and Property Law

Property law in the United Kingdom has undergone great changes over the years and property owners have to be abreast of the latest laws that are regulating the various properties including lands and buildings. Lands and buildings are the main properties that are actually owned by individuals and hence require a comprehensive law to govern these properties. Property owners have been employing the services of property barristers who know the ins and outs of the property laws that have been enacted by the UK Government over the years. UK property law barristers have the requited qualification and experience in handling cases and disputes related to land and building properties. The Property Bar Association is the UK's authorized association body that deals with the relevant rules and regulations with respect to the personal properties. There are around 200 Barristers who are affiliated to this association and have cleared the required mandatory requirements for joining as a member of this association.

People who are looking for experienced and qualified property barristers can actually go to the online portal of the property bar association and check for the list of certified members of this association. The Property Bar Association is the professional body for Barristers in England & Wales who are able to certify in writing that not less than half of the matters that they deal with concern property or property related work. These barristers will be having a separate online portal for themselves for servicing their clients and also for providing information regarding their services. One can get the portal information of the member barristers from the portal of the association. After getting the link, one can go through their portal and get the required services that are offered by them. Most of the property Barristers in U.K, provide information regarding their contact details and also about their office location in their online portal. By getting the contact number, the customers can directly get in touch with the barristers. They can tell their current problem related to their property dispute and ask for the type of services that will be provided.


Thursday, May 13, 2010

Special Education - Empowers Special Students

Education is a fountain that emits knowledge endlessly; it that one thing which is required by all. To put in simple and precise words, right to education is awarded to everyone be it rich or poor, black or white, normal or abnormal. Every person requires education to make himself socially and intellectually capable to upgrade and enhance himself.

Special education is basically for those who have disabilities in learning for e.g. dyslexia, reading or writing disability, etc. Special education is specifically planned to meet the needs of these people with such disabilities. Special education basically encompasses a wide range which includes academic services, speech-language services, psychological services, physical and occupational therapy, counselling services and parent education. These services are specifically provided to the parents with no extra cost in the education process.

The right to education to special education is guaranteed by the law through the federal IDEA (Individuals with Disabilities Education Improvement ACT), 2004 and FAPE (Free Appropriate Public Education) is provided by the Department of Education through state regulations laws.  These laws allow those with the special education who are eligible for special education.

A student who basically ages in the range of 3 to 20 can be eligible for Special education which is specifically designed for him or her.

However, it requires a proper evaluation process to rectify whether the student requires special education or not. The evaluation process can be attempted by the students by contacting the higher authorities of the educational organization. During the evaluation process, school proceeds with the written response to the parent.

The evaluation process further verifies student's capabilities and mindset of the child which in turn helps the school to gauge his needs.

The evaluation process encompasses a set of categories for its assessments. It includes health, vision, hearing, social and emotional status, general intelligence, academic performance, communication skills, and motor abilities.

IEP (Individual Education Program) is provided to the student after evaluation. Through this program the child enables to access with the facilities to satisfy his need for education. The IEP has a team which includes parents, students, school administrator, special education teacher and general education teacher.

IEP now recommends certain things for the students with regards to special education. Special education is only delivered if the student is unable to adjust in the normal education format. Mostly special education is provided at homeschooling format however attimes IEP may recommend some special school settings for such students.

IEP also informs the parents with their safeguarded rights. At time parents do not agree with the recognition, valuation, program and placement or FAPE, in such cases parents may opt for a wide array of existing resolution practices like mediation, facilitation, conciliation, etc. Parents can also opt for a written complaint if any partiality experienced in the due process.

Thursday, May 6, 2010

Law school abroad

Studying Law and the Social Sciences

In my University, the University of Hull in the East Riding of Yorkshire, an academic restructuring took place just about one year ago. One of the consequences of this restructuring was that what had previously been separate Schools of study became one single Faculty of Social Sciences.

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In this Faculty, we now have what were formerly the separate Schools of Economics, Law, Sociology, Social Policy, Management and Accounting. To a degree, these areas still retain autonomy within the Faculty structure, and the integrity of these programmes of study available within the Faculty has not been affected. Students still study Law, Economics, Business Studies and such subjects as independent single honours courses.

But we are also trying to ensure that modular structures allow us to exploit cognate areas within the overall framework of the social sciences.

The social sciences more generally are at the heart of the most vibrant part of the British University system. British academics in areas such as Economics, Law, and Political Science have had a very significant influence in shaping public policy, including the policies of the present and last governments. Students coming to British universities to study these subjects will often have an opportunity to experience at first hand the principles and thought processors which are informing these areas. In these programmes, students will be able to benefit both from a coherent intellectual framework and from a direct vocational application. As a result, employment for graduates is very high.

With the growth of modularisation within the British University system, we can probably expect to see greater levels of integration within related subject to see greater levels of integration within the subject areas such as the social sciences. That is very much to be welcomed, while at the same time we should ensure that the specific expertise available in the subject areas themselves continues to be developed and protected.

I am certain that in my institution, as in many other British universities, students coming to Britain to study subjects such as Law, Economics, Business Studies, Management, Accounting, and Political Science still get some of the best teaching and learning available in the world. Taken together with the particular practice of British universities in giving close attention and care to students in their individual needs, this means that we can continue to be confident excellence in higher education is available in our disciplines.

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