Estate Management in London

Estate management in London is a very important service. With so many people living in close proximity it would be very easy for things to get out of control and for what is a nice area to live in to become run down and turn into a slum. Fortunately there is plenty of legislation in place in the UK that ensures that landlords, whoever they are, have to maintain properties that have tenants in them to a high standard. To ensure this happens they employ management firms to do the work that needs to be done to keep their properties compliant with all of the regulations.

Estate Management London for Social Housing

Social housing landlords are under the same obligation to maintain their property, so that it is safe to live in and fit for human habitation. They too find it more efficient to use property management firms and have done so for many years.

This means that the capital’s estate management firms have a wealth of experience.

The Range of Services Estate Management London Firms Offer

The best property or estate management firms take care of literally everything. They oversee and attend residents meetings as well as ensuring that all maintenance is carried out in a timely fashion and for a good price. Public spaces are kept clean as well as safe.

Complying with health and safety laws is vital, so things like broken paving stones that represent a trip hazard have to be dealt with quickly. One minute a property can be safe the next it can become dangerous, so estate management firms carry out regular audits of the properties they care for.

Things like finding and keeping public liability insurance up to date all take time. The expertise that a good property management team brings to these kinds of tasks not only saves you hassle it saves you money too.

The contacts estate management London agencies build with the local police, fire brigade and council means that things get done quickly. You get your fire inspection certificates, vandalism gets dealt with and planning permission is granted more quickly.

Something About London Osteopathy

There are lots of people who need something different to deal with their pains and problems. Many of these people always opt for specific alternative medicine treatment options and osteopathy is one of the popular options in this regard.

Osteopathy is defined in the medical dictionary as "A system of therapy founded in the 19th century based on the concept that the body can formulate its own remedies against diseases when the body is in a normal structural relationship, has a normal environment and enjoys good nutrition". An osteopath is a medical practitioner who has specialized in osteopathy. Today Osteopathy is practiced in many parts of the world but the method of practice varies from country to country.

Osteopathy mainly deals with the relieving pain and injuries caused to the skeletal muscles and joints of the body. This form of therapy helps to relieve the person from the particular injury or pain, and also aims at improving the circulation of blood in different parts of the body.

There is a marked difference between the approach in the study of osteopathy followed in the UK and the US.

In the United Kingdom, osteopathy is not practiced like in the United States. In the US, osteopathy is part of medicine study and hence is referred to as 'Osteopathic Medicine' to establish it away from the kind of Osteopathy practiced in UK. In the UK, it is more of an individual program, wherein it is not part of the medicine curriculum offered. So the osteopaths in the UK are not medical doctors but registered and legal osteopaths. There are some doctors who take it up as a specialized post graduate course after medicine. So the osteopaths in the UK could either be doctors with an osteopathic specialization or a full-fledged osteopath with no guidance in surgery.

In the United Kingdom, London is famous for its osteopaths.

As per Law, all practicing osteopaths in the UK are required to register with the General Osteopathic Council (GOsC). A London osteopath has special value since that is the epicenter where this particular stream of medicine is practiced.

If you need to find an osteopath, there is a list given in the GOsC, where you can locate the best osteopaths available and look at their achievements and choose one according to the postcode, the town, the country or with the help of their surname. However, there some popular options that can easily be found just by conducting a simple search over the internet. So, sit in front of your computer to find a right type of London osteopath for yourself.

House Passes Bill on Deceased Students' Private Student Loans

The U.S. House of Representatives on Sept. 28 passed the Christopher Bryski Student Loan Protection Act (H.R. 5458), which would require lenders that issue private student loans to provide additional information to co-signers about their financial obligations on the student loans they co-sign following the death of the primary borrower.

Private student loan issuers would also have to offer information to borrowers about filing a durable power of attorney (DPOA) nomination that would permit another person to make financial, legal, and medical decisions in the event of death or disability of the primary borrower while any of the borrower's private student loans remain open.

A Student Loan Bill With Its Roots in a Family Tragedy

This student loan protection act was sponsored by New Jersey Democratic Rep.

John Adler and was named after Christopher Bryski, a 23-year old college graduate who suffered a serious brain injury in a 2003 accident and died in 2005, after spending two years in a persistent vegetative state. While in college, Bryski had taken out nearly ,000 in private student loans, for which his father had co-signed. After Bryski's accident, his private college loans defaulted, and the lender sought repayment, along with interest, from Bryski's father.

When a student borrower dies or becomes permanently disabled, the balance of any government-issued student loans the borrower had is typically discharged.

In the case of non-federal, private student loans, however, the lender will still seek repayment from the co-signer.

The proposed law is not designed to force private lenders to discharge student loan debts for deceased borrowers, but rather to disclose the co-signer's responsibilities in case the borrower dies or becomes incapacitated while a student loan balance is outstanding. Co-signers guarantee loan repayment but often lack the legal standing to handle a primary borrower's finances should a borrower become incapacitated, as occurred in the Bryski case.

The law would also require university financial aid offices to make similar disclosures to students who are applying for private student loans.

Legislation Could Spur Borrowers to Seek Insurance Protections for Private Student Loans

Should the legislation pass both houses of Congress, it is likely to change the landscape for borrowers and co-borrowers when it comes to the repayment of private student loans.

The bill carries no insurance provisions for student loans, but savvy co-borrowers may be more apt to look into student loan insurance plans, life insurance plans, and other financial protection strategies that could pay off the balance of the student loan if the borrower dies or becomes completely disabled, leaving substantial student loan debts.

Life insurance will generally only pay off an insured borrower's private student loans if the borrower dies. However, disability insurance or student loan insurance packages could pay off outstanding college loans if the primary borrower defaults under other circumstances.

The new law would also require private lenders to offer entrance counseling to borrowers to encourage them to set up a DPOA. Borrowers would not be obligated to actually establish a DPOA or other advance directive, but advocates of the bill hope that the counseling requirement could open the door for better communication between lenders and borrowers, as well as between borrowers and co-signers.

The bill now heads to the Senate, where Rep. Adler hopes to find both a sponsor and a receptive audience to the plight of families who may have to assume substantial student loan debt following the incapacity or death of a student borrower.

Older Students May Still Be Eligible for Student Loans

Not every student arrives at college fresh out of high school. A growing number of students over the age of 25 are returning to the college classroom or enrolling at a college or university for the first time — a trend that means more independent students are seeking financial aid and student loans as a way to pay for college.

This trend also means that some returning students may have already exhausted their available federal student loans. Federal college loans not only carry annual borrowing limits but lifetime maximum borrowing limits. Students returning to college who previously took out federal college loans their first time around may have less federal student loan money available to them.

The Association for Non-Traditional Students in Higher Education reports that students over the age of 25 represent nearly half of all currently enrolled college students.

This migration back to the classroom is not merely the product of the current economic downturn, however: According to the U.S. Department of Education, the number of students age 25 or older in college classrooms rose from 28 percent in 1970 to 41 percent in 1998. The number of students age 35 or older at degree-granting institutions increased from 823,000 in 1970 to nearly 3 million in 2001.

Clearly, the current "aging" of the college student population was underway long before the Great Recession took hold.

Finding Financial Aid as a Returning or Older College Student

Determining eligibility for federal financial aid as an older student can be challenging.

In some cases, today's older student may be relatively well-established financially and may hold a number of assets, including real estate, investments, and retirement savings. At the same time, the older student may have additional liabilities, including a mortgage, credit card debt, and student loan debt from a previous run at the college-and-university track. S/He may also be supporting children who are themselves in college.
The FAFSA

For any student, regardless of age or level of educational attainment, the first step in finding financial aid for college need to be the filing of the Free Application for Federal Student Aid (FAFSA). The FAFSA takes into account a student's broad financial picture — from income, assets, and liabilities to the number of other family members in college — to determine eligibility for federal financial assistance.

Federal financial aid can include need-based grants (Pell Grants) and subsidized student loans (Perkins loans and subsidized Stafford loans), as well as unsubsidized student loans (unsubsidized Stafford loans) that are available regardless of a student's financial need. For graduate students, credit-based graduate student loans (Grad PLUS loans) are also available.

The Financial Aid Office

If you're a returning student, a consultation with a financial aid officer at your institution could be very helpful, since rules and regulations regarding student financial aid have changed significantly in the past few years. A financial aid officer may also be able to help you determine your eligibility for federal student loans and how previous student loans may affect your current borrowing limits.

Your financial aid office will also have information about locating grants, scholarships, and work-study opportunities, though many older adults may already be employed full-time. Consider asking your financial aid office about student loan companies that offer non-federal, private student loans, which may be used to pay schooling costs not already covered by your federal student loans or other federal financial aid.

Other Financial Aid Considerations

Returning students may also be eligible for itemized tax deductions related to college expenses. These tax deductions may help take the bite out of returning to school. Consult a tax advisor for help.

Federal financial aid is largely reserved for students who are seeking a degree, although in some cases, non-degree-seeking students may be eligible for federal financial aid if the courses they take are prerequisites for a degree program.

Keep in mind, however, that as a student loan borrower, you'll be on the hook for any student loan debt you incur, even if you don't complete a degree as planned. Current U.S. bankruptcy law prohibits bankruptcy courts from discharging either federal or private student loan debts except in the most extreme of circumstances, so if you're a prospective returning student, make sure to thoroughly research all your academic options and their costs before entering a degree program that will require you to take on significant debt from student loans.