#Home - UCL Faculty of Laws

For almost 200 years, UCL Laws has been one of the leading centres of legal education in the world. Recognised as offering an outstanding educational experience to our students, we combine a strong theoretical foundation in the law with practical teaching from world-leading academics and practitioners.

Ranked number 1 in the UK for its research environment, the UCL Laws community of intellectually dynamic scholars responds to today’s global challenges. Through our research, we help to shape government policy, national and international law and its practice. As part of Legal London, we attract the leading figures in the field to contribute to our vibrant programme of events, informing public debate around social, legal, environmental and economic issues.

IN THE MEDIA

Professor  Cheryl Thomas joins Dr David Lagnado (UCL Psychology) and other guests to explore whether what is expected of us as citizens is psychologically a ... Read more »

#History of Affirmative Action

T his section is not meant to be a comprehensive overview of affirmative action law, cases, or policies. It is, however, a brief review of some of the laws and regulations that have impacted UCI policy, practice, and discussion on affirmative action in recent years.

Executive Order 10925

O n March 6, 1961 President John F. Kennedy issued Executive Order 10925, which included a provision that government contractors "take affirmative action to ensure that applicants are employed, and employees are treated during employment, without regard to their race, creed, color, or national origin." The intent of this executive order was to affirm the government's commitment to equal opportunity for all qualified persons, and to take positive action to strengthen efforts to realize true equal opportunity for all. This executive order was superseded by Executive Order 11246 in 1965.

Executive Order 11246

... Read more »

#Homeowner association board listened to bad legal advice - LA Times

In the end, we realized we got really bad legal advice that led to unwise, if not illegal, behavior by board members. We ended up paying out millions of dollars in attorney fees and hundreds of thousands of dollars not covered by insurance.

In addition to ongoing special assessments, everyone's dues rose to $425 a month from $250. We still don't understand how this happened to us. Do you?

Answer: Litigation is always risky, but losing several big lawsuits in a short period of time is definitely a wake-up call. Worse, owners could pay for the board's poor decisions for years to come.

This happened because the board gave too much credence to online advertising and flashy attorneys at seminars while failing to perform proper due diligence and careful deliberation. Performing due diligence is ongoing. Even after those mistakes were made, the board failed to take remedial action ... Read more »

#HIPAA Preemption Charts

The Health Insurance Portability and Accountability Act of 1996 ("HIPAA") gave the federal Department of Health and Human Services ("HHS") the authority to promulgate regulations containing standards with respect to the privacy of individually identifiable health information. HIPAA provided that such standards shall not supersede State law that imposes more stringent standards (P.L. 104-191, 264(c)). HHS promulgated the federal standards, and they are now in Parts 160 and 164 of Title 45 of the Code of Federal Regulations (the "Privacy Rule").

Under the Supremacy Clause of the U.S. Constitution, federal law preempts State law when preemption is the clear and manifest purpose of Congress. In instances where the purpose of Congress is not clear, only the judicial branch of government can determine whether a federal law preempts a State law under the Supremacy Clause.

In enacting HIPAA, Congress clearly did not supersede State laws that impose ... Read more »

International law is concerned with the conduct of nations, people and organizations engaged in international activities. International law jobs are related to diverse areas ranging from human rights. migration and international development to international trade and investment. Securing top international law jobs requires patience and, most commonly, a great deal of experience and specialized education. Internationally-focused lawyers can find employment within national governments, international and non-profit organizations and private enterprises.

People normally begin international law careers in their home countries. Preference for higher paying jobs is usually given to candidates with experience in a particular legal area. Such specific experience is sometimes more easily attained at home before going abroad.

Large corporate law firms commonly have an international department. Projects handled by such firms could include infrastructure and development projects, ... Read more »

#getting a loan with bad credit #

Can I Buy a House with Bad Credit?

In this article:

Introduction

So, what do you do if your credit reports make you want to hide under the covers and never use your credit cards again? Relax, you can turn your ratings around.

Mortgage lenders look at the age, dollar amount, and payment history of your different credit lines. That means opening accounts frequently, running up your balances, and paying on time or not at all can impact your credit score negatively. Just changing one of these components of your spending behavior can positively affect your credit score. Also, bad credit does not necessarily mean you can t get a home loan, it will just come at a higher cost.

Why Were You Turned Down for a Loan?

If you are having trouble getting a loan, ask your lender why. Chances are it will be one of these reasons for rejection:

• Overextended credit cards: If you miss payments or exceed y ... Read more »

#home owners insurance rates #

Florida Has Highest Homeowner Insurance Rates In U.S. Despite Lack Of Hurricanes

DAVIE, FL - OCTOBER 24: Jennifer Farrington (L) sits on a couch in the middle of a pile of debris after Hurricane Wilma came through on October 24, 2005 in the Palma Nova motor home community in Davie, Florida. Hurricane Wilma hit the western coast of Florida as a Category Three and departed the eastern coast as a Category Two hurricane. High winds from the fast moving hurricane have caused widespread power outages across the state. (Photo by Richard Patterson/Getty Images) 2005 Getty Images

(AP) Nearly 20 percent of the nation's Hispanic population lives in Florida and is paying the highest homeowner insurance rates in the nation even though the state has not been hit by a hurricane in nearly a decade.

A national report released this week shows the average premium for most Florida homeowners is $1,933 a year, or nearly twice the national average of $ ... Read more »

#elephant auto insurance #

Elephant Auto Insurance moving headquarters to Allianz building

UPDATE: AUG. 18, 1:42 P.M. – Elephant Insurance is moving its U.S. headquarters from one Henrico location to another.

The company announced that it will relocate to a 54,000-square-foot space in the Allianz Global Assistance building at 9950 Mayland Drive. The building is the former home of Circuit City.

Elephant Auto has been located in Henrico for five years. The move will nearly double its existing space in size and will allow the company to nearly double its workforce in the next several years, to more than 600 employees.

“Our business growth has been strong the past few years, and we expect that to continue," said Tim MacAleese, chief financial officer of Elephant Insurance." Our growth means lots o ... Read more »

#long beach ny real estate #

CENTURY 21 American Homes

Welcome to the CENTURY 21 American Homes site, we are here to help.

Let us be your real estate professional in Long Beach, NY. Our affiliated sales associates are experienced local residents who strive to meet your real estate goals. Whether you are a first time home buyer or a veteran seller, we can provide you with information and insight to help you make your next move. Contact us today with your questions.

Customer Testimonial

Jeanne Montgomery

Buyer Rating:

Jeanne was amazing! She was always available when we needed her and spent a lot of time taking us to see various properties. She was very patient and understanding and always had our best interests at heart. I would never use another agent besides Jeanne!

Jeanne was with us every step of ... Read more »

Globalization has long been a priority at Yale Law School, with Law School faculty and students active around the globe. Leading foreign legal thinkers arrive at Yale every year to instruct students in international and foreign law. Students who hold foreign law degrees come to the Law School for a graduate education that will help them become leading intellectuals in their home countries.

Yale Law School’s international law curriculum provides an array of traditional courses, smaller seminars, and clinical/experiential learning opportunities, from classic courses in International Law, Business Transactions, Constitutional, or Criminal Law, to clinical offerings in immigration, human rights, the environment, and foreign affairs.

The Law School’s longstanding international tradition occupies a central place in its intellectual life, and many legal issues are approached from a global perspective. The devotion of its faculty and students to its myriad international proj ... Read more »

#Hipaa’s Use as Code of Silence Often Misinterprets the Law - The New York Times

How do people use, misuse or abuse Hipaa, the federal regulations protecting patients’ confidential health information? Let us count the ways:

■ Last month, in a continuing care retirement community in Ithaca, N.Y. Helen Wyvill, 72, noticed that a friend hadn’t shown up for their regular swim. She wasn’t in her apartment, either.

Had she gone to a hospital? Could friends visit or call? Was anyone taking care of the dog?

Questions to the staff brought a familiar nonresponse: Nobody could provide any information because of Hipaa.

“The administration says they have to abide by the law, blah, blah,” Ms. Wyvill said. “They won’t even tell you if somebody has died.”

■ Years ago, Patricia Gross, then 56, and a close friend had taken refuge in a cafe at Brigham and Women’s Hospital in Boston, where Ms. Gross’s husband was dying of cancer. She was lamenting his inadequate ... Read more »

Service animals perform some of the functions and tasks that the individual with a disability cannot perform for him or herself. "Seeing eye dogs" are one type of service animal, used by some individuals who are blind. This is the type of service animal with which most people are familiar. The service animal is not a pet, but isn't required to be licensed or certified to meet this definition. But there are service animals that assist persons with other kinds of disabilities in their day-to-day activities. Some examples include:

• Alerting persons with hearing impairments to sounds.
• Pulling wheelchairs or carrying and picking up things for persons with mobility impairments.
• Assisting persons with mobility impairments with balance.

Under the Americans with Disabilities Act (ADA), privately owned businesses that serve the public, such as restaurants, hotels, retail stores, taxicabs, theaters, concert halls, and sports facilities, are pro ... Read more »

Question: What is the law of liberty?

Answer: We find the law of liberty first mentioned in James 1:25, “But the one who looks into the perfect law, the law of liberty, and perseveres, being no hearer who forgets but a doer who acts, he will be blessed in his doing.” James here refers to the gospel, which, although it is called here a law, is not, strictly speaking, a law comprised of requirements and enforced by sanctions. Rather, it is a declaration of righteousness and salvation by Christ, an offer of peace and pardon by Him, and a free promise of eternal life through Him. The juxtaposition of the two contradictory terms “law” and “liberty” made the point, especially to the Jews, that this was an entirely new way of thinking about both. Paul uses this same technique when he refers to the “law of faith” in Romans 3:27.

The perfect liberty found in Christ fulfills the “perfect law” of the Old Testament because Christ was the only one who c ... Read more »

Despite fluctuation in the economy, hiring in certain key business sectors remains largely unaffected. Advertising, marketing, promotions, public relations, and sales continue to offer graduates with business degrees fruitful opportunities to get in on the ground floor and rise through the ranks. Career training in the business field may just be the safest educational bet heading into a new decade.

Business degrees are conferred at the associate, bachelor, master, and doctoral levels. With some exceptions, business degrees range from general to specific as you continue up the academic ladder. While many organizations prefer candidates with a bachelor's degree for entry-level employment, advanced degrees are favored for managerial and strategic positions. Professionals with PhDs typically move into research or teaching capacities.

Popular industries that offer employment opportunities to business graduates include the professional, scientific, and technical service in ... Read more »

#home loan calculator #

Home Loans

Interest Rates

We pride ourselves on offering you competitive interest rates, with the flexibility to choose between fixed and floating rate options, or a combination of both - whatever suits you best.

Payment Options

You can choose from a range of flexible payment options. Ask us how we can make it easy for you with direct debit, automatic payment and Telephone Banking services.

24 Hour Approval

In most cases, we can let you know within 24 hours whether your loan has been approved (provided we have all the necessary information and our lending criteria have been met). In some cases, we can even pre-approve your loan, making it easier when it comes to buying your property. Just ask us whether it's right for you.

Accessibility

We appreciate that convenience is important in today's busy world. When using your SBS chequebook, AT ... Read more »

#three free credit reports

#My Free Credit Report

With so many options for my free credit report don t forget to get your

free credit scores as well.

But, with so many options how do you select which one is best for you? As long as you are getting all three credit reports along with your three unique credit scores from the major credit reporting agencies you have satisfied your need when you are looking for my free credit report.

There is a government option that does allow you to have access to only your credit reports and this is known as my free annual credit report service, but this does not include your credit scores. Why use this service, when you have so many options that will give you free credit reports and free credit scores?

Anyone that wants to monitor their complete credit pr ... Read more »

#loans for blacklisted people #

Home Loans For Blacklisted People

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A question we receive often is whether there are ways and means of securing home loans for blacklisted people in South Africa. The short and simple answer is YES, but it will take a little extra effort on your behalf to secure these types of mortgages.

Most lenders and banks are not likely to look very favorably on any home loan application that involves an applicant with bad credit records or a blacklisting.

In the current financial climate the banks are looking to reduce their risk when lending money to their clients. Blacklisted clients represent some of the most high risk clients for the bank.

The first step to getting a home loans for blacklisted people is to speak to the bank’s personal financial consultants. You need to assess how much you can afford to spend on a home loan every month before committing to any more large debts.

A home loa ... Read more »

#home loans #

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#Home Page

Law office of Timothy J. Lemon:

At the Law Office of Timothy J. Lemon, our clients come first. Attorney Lemon is knowledgeable, compassionate, and ready to aggressively address your legal needs with fresh, energetic, and creative representation. We take pride in serving the hard-working citizens of Starke, Marshall, and Pulaski Counties. We invite you to explore our site and learn more about what makes our practice and firm unique.

Attorney Lemon takes pride in having a general law practice and being able to meet your every legal need.Please contact us for any legal issue you may have, including: criminal defense, divorce and child custody, bankruptcy, and wills and estate planning. Please see our Practice Areas page for more information.

We gladly serve the Northwest Indiana area including the cities of Knox, North Judson, Plymouth, Winamac, Laporte, and Valparaiso and the corresponding counties of Starke, Marshall, Pulaski, Lapo ... Read more »

#Hofstra Law - TLS wiki

Hofstra Law School, based in Hempstead, NY, is one of many different law schools that feed into the New York City market. Currently ranked 100 by US News and World Report, the school enjoys a better reputation than some of its peers (NYLS, Touro, etc.). However, that being said, risk-averse applicants might want to think twice about attending without significant scholarship money. The school's claim of a median post-graduate salary of $160,000 is suspect, especially in the currently struggling economy. Academics and facilities at the school are slightly lacking, and the school's tuition for full-time students is quite high at $41,780 per year. If you factor in the expensive cost of living near New York City (the ABA estimates that students will spend over $20,000 per year on living expenses alone at Hofstra), students can spend over $60,000 per year for their degree.

Contents

Admissions

Tuition and fees

As mentioned abov ... Read more »

Although many countries allow immigrants to obtain citizenship through marriage, it is not actually legal to marry only to obtain citizenship, and such marriages are commonly known as ‘sham marriages’.

A sham marriage typically occurs when a non-European national marries someone from the European Economic Area (EEA), including the UK, as a means of circumventing immigration rules and attempting to gain long-term residency and the right to work and claim benefits.

What is the legal position?

Marrying a British citizen or person settled in the UK does not automatically entitle a person to live in the UK, and marriages of convenience cannot be relied upon in order to obtain immigration leave to remain.

Part 8 of the Immigration Rules outlines the requirements for entry as a spouse, civil partner, fiancee or prospective civil partner. This includes a requirement that:

“Each of the parties intends to live permanently with ... Read more »

State Government Sites

Auditor of State

Secretary of State

Executive Branch

Indiana Attorney General

Legislative Branch

INDIANA LEGISLATIVE INFORMATION

Functions of the Association of Indiana Counties include lobbying the Indiana General Assembly on behalf of counties, serving as liaison among counties, state and federal agencies as well as providing technical assistance and training to county officials and employees.

Information on the commission and legal protection.

The Indiana Commission on Public Records assists state and local governments in the efficient and effective management of public records.

The Indiana Commission on Public Records assists state and local governments in the management of public records.

Indiana Criminal Justice Institute The Indiana Criminal Justice Institute serves as the state s planning agency ... Read more »

#PhD online

The on-line Doctoral Programme (previously known as MERIT) was launched in 2004 by the School of the Built Environment, with a number of PhD students already graduated and perusing their career nationally and internationally. The programme is now available for candidates who wish to pursue their Doctoral studies under the Schools covered by the College of Science and Technology.

Who is it for?

The programme is suitable for candidates who are working in academia or industry, or simply cannot commit to a full-time or part-time research degree. This programme is suitable for overseas and home students that are based outside the Manchester area.

Programme structure

This programme is delivered online, and is backed up by tutor support. All candidates will be allocated a Salford Supervisor and Co-Supervisor, as well as a Local Advisor who must be based in an academic institution, local to the candidate’s country of residence.

... Read more »

#housing loan eligibility calculator #

Housing Loan Eligibility Calculator

lend: give temporarily; let have for a limited time; "I will lend you my car"; "loan me some money"

loanword: a word borrowed from another language; e.g. `blitz' is a German word borrowed into modern English

housing loan eligibility calculator - 6,000 Years

6,000 Years of Housing, Revised and Expanded Edition

The fascinating evolution of house forms from the Stone Age to the present.

[T]his fascinating survey. any designer or builder who deals with housing would find a use for this book.' —Fine Homebuilding

'This is as essential reference to anyone in the field of housing, beautifully illustrated in the hand of the author.' —Moshe Safdie and Associates, Inc. ... Read more »

#my annual credit report

#My Annual Credit Report

If you are asking the question, “How can I take help of my annual credit report?” then you first need to know all about the credit scores and credit reports. The credit scores are the numerical representation of a person’s credit handling and credit worthiness.

There are several types of credit scores and each of these credit scores is mostly unique to the issuing bureau.

Even though these credit scores are different due to different sources, they all indicate almost accurately the financial conditions and the ability of the person to handle credits.

Which agencies maintain my annual credit report?

The credit scores are generally calculated depending on the person’s credit history, which includes past and present credits, the credit card transactions and the repayment of the credits. These credit scores are obtained from the credit reports of the consumers and these credit reports and maintained ... Read more »

#check my credit history

#My Credit History

If I were in the market for a new loan or financing for a house or car, I would look for ways to check my credit history. There are a number of ways to check my credit history, including one that allows me to look at all three major credit reports for free .

Thanks to federal legislation, the task of how to check my credit history can be solved by visiting a single Web site. All three major credit reporting agencies. Equifax, TransUnion and Experian, are now required by law to give consumers access to their credit reports for free once a year. By going to annualcreditreport.com, consumers can see what their credit report holds. All three reports can be different, so receiving all three is important to make sure your credit has not been adversely affected in a way that was picked up by one credit agency and missed by others.

If I didn’t want to take the risk of using the Internet to obtain such important information, ... Read more »

#loans on line #

How a Line of Credit Works

By Justin Pritchard. Banking/Loans Expert

Justin Pritchard helps consumers navigate the world of banking.

A line of credit is a pool of available money that you can borrow from. When you are approved for a line of credit, you get the ability to spend money - but you don t actually borrow or pay interest until you access the funds.

Home Equity Lines of Credit:

These loans are popular because they allow you to borrow relatively large amounts at relatively low interest rates (compared to credit cards or unsecured loans ).

Why is the interest rate lower? Banks consider these loans to be quite safe because they assume you ll repay the line of credit to avoid losing your home in foreclosure .

Line of Credit vs Home Equity Loan:

Generally, a HELOC is more flexible than a home equity loan. You only borrow what you need, and you can typically go back for more money when you need ... Read more »

#Home - Free Legal Research Resources - Research Guides at Harvard Library

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How to use this guide

This guide contains selected free online legal research resources. These resources can be a great way to get started with your research when you don't have access to paid databases or if you want to get an overview of a topic before getting started with potentially expensive searches.

For in-depth help with your research, please set up a research appointment through our Ask a Librarian! page, chat with a librarian in the chat box to the left or refer to the Getting Help tab.

Guide Contents:

1. Primary Federal Law. Selected resources for free access to U.S. federal cases, statutes, regulations and more.

2. Primary State Law. Selected resources for free access to state cases, statutes and regulations with advice on how to find free resources for other state and local materials.

3. Treaties. Find the ... Read more »

#Hong Kong - s Law Society to study idea of allowing victorious lawyers to charge more

Law Society president Stephen Hung. Photo: Felix Wong

The president of the Law Society has thrown his weight behind a controversial plan to study a charging model that will enable lawyers to earn extra fees when they win cases in court, and possibly make law firms more competitive.

Stephen Hung Wan-shun said the solicitors' body would gauge members' views on the idea. "This is different from the 'no win, no fees' mechanism," Hung stressed.

He was referring to a model banned in the city under the law of champerty - which prevents a person with no interest in litigation from offering help or encouragement to an involved party and sharing in the proceeds of a lawsuit or settlement.

The conditional fee model, Hung said, could allow lawyers to set out in a contract how much they would be entitled to in case of a court victory, though the amount should not be in proporti ... Read more »

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The 8 week Princeton Review course did a superb job of preparing me for the GMAT. I fo ... Read more »

#Hofstra law

Room Bookings

Law Library Room Reservations

Study rooms are only available for use by currently enrolled Hofstra Law students. You must use your @pride.Hofstra.edu address when submitting your reservation.

Click on the Law Library Study Rooms link to the left. You will then see a visual display of all the rooms in that group with their availability highlighted in green

Choose the day you would like to reserve, then click on the room and time on the grid to begin making your reservation.

You can click several boxes per reservation, up to a 3 hour maximum per day. Each group member can make a separate reservation, but please be considerate of other users and reserve no more time than you will actually need.

Smart phone users can use the room reservation QR code. Scan to check room availability, then book it!

• Please cancel your reservation if you find you no longer need it.
... Read more »

Law enforcement is the collective term for professionals who are dedicated to upholding and enforcing the laws and statutes that are currently in force in a given jurisdiction. There are law enforcement jobs that focus on local settings, while others are focused more on upholding and enforcing national laws. In addition to enforcing laws, the function of legal enforcement also involves managing the punishment process for people who are convicted of crimes, up to and including managing the process of incarceration.

At its core, law enforcement seeks to achieve two goals. First, enforcement professionals seek to prevent the occurrence of a crime that is in some way damaging to another human being or to society as a whole. Second, people employed in some enforcement capacity will seek to ensure suspected criminals are tried in a manner that is in compliance with local laws. Various officials will also assign some form of punishment or imprisonment that is considered eq ... Read more »

#best student credit cards

#A guide to student credit cards

Finances can be tight when you re studying but is applying for a student credit card the way to make ends meet? And how do the cards work?

Some banks offer specific credit cards for students. You won t be able to borrow huge sums, as banks put a limit on the credit they make available of typically around 500 this is on the assumption that students aren t earning money with which they can to repay the debt.

But, whatever the limit, interest rates are expensive and the cards shouldn t be seen as a tool for borrowing. However, they can be useful in the right circumstances.

What are the advantages of a credit card?

A credit card offers more protection on purchases than debit cards under Section 75 of the Consumer Credit Act. So if you have a problem with your purchase, such as it s lost, damaged or stolen, and the supplier refuses to deal with it, you can claim a refund from your credit ca ... Read more »

#micro loans #

How Microlending Works

Horatio Alger popularized the rags-to-riches genre in 19th century America with his character Ragged Dick. See more pictures of corporate history.

If you ever come across a trove of battered old hardcover novels published in the United States in the 19th century, take a minute to thumb through them. Chances are high that the beginning and end of each book will yield a common theme. The novel's story will probably begin in squalid living conditions -- a tenement in Brooklyn, perhaps. However, the book will usually end in an entirely different setting. By the novel's conclusion, the cluttered and menacing mental and physical environment of the slum will have been replaced with marbled floors, domestic servants, cigars and brandy.

Within the yellowed pages of these books, you'll find an invariable narrative: The protagonist rose from squalor to wealth through hard work and determination. Of course, he or she accomplished this ... Read more »

#used car loans #

How do used car loans work?

I have some general questions about financing a used car

My current car, a 1995 Volvo 850 with around 200,000 miles, has been giving me some trouble. First, the A/C died, which for someone who likes to keep their surroundings as cold as possible is pretty annoying. It sounds like that may simply be a relay that needs to be replaced. Second, there was a good amount of white smoking blowing out of my tailpipe this afternoon. I'm worried that it may be a headgasket or a gasket on my turbo. I'm going to see the mechanic tomorrow morning.

Assuming that repairing my 15-year-old car will cost me many hundreds if not thousands of dollars, I've been looking into getting a replacement. I've tried my best to research various used car loans online. I've got $2000-$2500 to use a down payment. Ideally I'd replace this car with the same exact model, only with less miles. I love my Volvo.

It seems like many lenders limit the ... Read more »

#get auto insurance #

You Can Get Auto Insurance Without a Drivers License

You may not realize it, but you can get auto insurance without a driver's license, though the insurance companies in many states don't advertise it heavily. In fact, there are many good reasons that you might need car insurance even though you don't have a driver's license. Every state requires that all vehicles be insured if they're on a public road so if you own a car and someone will be driving it, your car must be insured. Finding auto insurance when you're not a licensed driver can be a little tricky, though.

If you shop for auto insurance quotes online, you may find that you can't get an insurance quote unless you provide a driver's license number. That's because auto insurers need your license number to get your driving record, which they use to determine how much they'll charge you for your insurance. If you don't provide a driver's license number, you can't get a quote at those website ... Read more »

#money lenders for bad credit #

What are Basic Facts Concerning Hard Money Loans

The greatest benefit of a bridge loan is the fact that the lenders major concern is the value of the property; they don’t care for you personally. The property secures you the loan that was offered, not your present credit status. The value of the property is the crucial thing in money loans.

The period of a bridge loan is about one to six-months; though you would be able to get an extension up to two years. These loans are different from your average banks. It is very flexible, that’s why you will get approval or get rejected as fast as 2 days.

The lender might ask you why you are applying for hard money loans rather than traditional loans. There are various reasons why the consumer may think about using hard money loans. Most probable your answer will be that you need the money right now and not when the opportunity you are looking for has likely passed, or you may ... Read more »

#bridging loan calculator #

How to Calculate a Bridge Loan

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Function of a Bridge Loan

Bridge loans are short-term financing vehicles intended to cover a gap between the time you purchase a new home and sell the old one. Six months is a typical time frame for a bridge loan. Homeowners use bridge loans to obtain cash for a down payment on a new house quickly. Some homeowners choose bridge loans to pay off mortgages and forestall foreclosure. The bridge loan buys these distressed homeowners more time to sell the property instead.

How a Bridge Loan Works

Suppose you are moving because your employer has transferred you. You go to a lender and take out a bridge loan against the equity in your current house to use as a down payment on a new house. The amount you borrow includes points, fees and interest points. Terms of a bridge loan vary. For example, some lenders allow you to borrow enough to pay off your old mortgage. Your current home ... Read more »

#apply for student loans #

Introduction to How to Apply for a Student Loan

College is expensive -- applying for student loans can help you manage the cost.

Applying for student loans is a lot like applying for a home mortgage. In both cases, there is a lot of emotion involved in the process since getting the best deal can mean the difference between a bright future and years of struggle. And much like a home mortgage, applying for student loans can seem like a daunting task when you're just getting started. But with a little bit of planning and patience, your efforts should soon pay off.

Until recently, a college education was pretty much out of reach for most Americans. In 1940, only about 5 percent of the U.S. population had an education beyond high school. Now, about 70 percent of high school students enroll in college, though a much smaller number actually make it to graduation [source: National Center for Education Statistics ]. This dramatic rise in colle ... Read more »

#how can i get a credit report

#How Can I Get a Copy of Someone Else s Credit Report?

You’ve got someone moving into one of your spare bedrooms. You’re hiring a new housekeeper or nanny. You’re renting out your house. You’re dating someone and you’re curious about his or her debt and credit management skills. Or, maybe your spouse passed away and you need to see what’s on their credit report. There are many reasons why you’d be curious to see what’s on someone else’s credit reports that have nothing to do with lending them money.

Permissible Purpose

There are dozens of websites where you can buy or claim YOUR credit reports but getting someone else’s credit report isn’t quite as easy. The only way you can legally pull someone else’s credit report is if you have what’s referred to as Permissible Purpose. Permissible Purpose is a term straight from the Fair Credit Reporting Act and it defines the conditions under which a credit reporting agency may furnish a c ... Read more »

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The Juris Doctor is UWA s leading postgraduate law degree for aspiring lawyers and legal practitioners.

The three year full time law degree is accredited by the Legal Practice Board of Western Australia and equips students with the knowledge and skills to pursue a career in law.

What you ll be studying

The structured program includes the nationally recognised core legal subjects (the 'Priestly 11' which include Torts, Criminal Law and Procedure, Property, Equity, Company Law, Administrative Law, Federal and State Constitutional Law, Civil Procedure, Evidence and Ethics and Professional Responsibility). Students will also have the opportunity to pursue broaden their legal knowledge or pursue particular areas of interest via a range of option units.

The student cohort

The student cohort consists of mature minded postgraduate students who have successfull ... Read more »

#How a law degree could launch your career in politics

Sponsored by:

As any law student knows, it’s tricky to get a graduate job in the legal industry. Competition is fierce, the legal aid budget has been cut and crime is, apparently, falling. Law schools are still doing all they can to get more students studying the subject – around 20,000 are admitted each year. but there are only 4,500 trainee contracts and 500 pupillages on offer for graduates.

Luckily, the skills gained from studying law can be applied to other careers. Many people say they study law because of an innate sense of justice and public service – values that can go hand-in-hand with a career in politics.

“Studying law teaches you how to construct arguments, think critically and challenge policy – all valuable skills needed for a career in politics,” says Megan Carrick, a law student at the University of Kent. “It makes you aware of the application and different interpretations of policy wi ... Read more »

#Home - New York Estate - Small Business Law Firm

Volkova Law Group PLLC is a law practice that focuses on family businesses and the families who run them.  We create legal structures to help our clients divide their wealth and power among the family members.  We do this through careful planning and advice involving family limited liability companies, trusts and buy-sell agreements.

As a woman-run law firm, we also understand the challenges and needs of fellow women entrepreneurs and are excited to assist them in growing their businesses and meeting their legal needs.

Our clients range from start-ups to established mid-size companies who seek guidance on a variety of legal issues, such as corporate financing, drafting and negotiating agreements, structuring joint ventures, investment vehicles and other corporate matters.

Our trusts and estates practice focuses on advising families about estate planning, drafting wills and trusts, including special needs trus ... Read more »

Georgia Code Section 53-2-1(b)(1) states that if a person dies without a will and he has no children, but is survived by a spouse, the spouse is the sole heir under intestate law. However, if there are children, the spouse will receive at least one-third of the estate and the children will each inherit an equal share of the remainder. If there is only one child, she and the spouse will each inherit half of the estate.

When a spouse has not survived a decedent, Section 53-2-1 (b)(3) requires that the children inherit the entire estate in equal shares. If there are no children, Subsection (b)(4) states that the decedent s parent will inherit. If they are also deceased, siblings are entitled to inherit under Subsection (b)(5). More distant relatives, including aunts and uncles, nieces and nephews, or cousins, may be entitled to inherit if they are the decedent s closest surviving relatives.

A decedent can include most of his estate in his will and set forth who will inh ... Read more »

Merit-Based scholarships are offered by law schools to applicants who demonstrate academic ability typically evidenced by a GPA or a score on the Law School Admissions Test (commonly referred to as LSAT). Most law schools offer such scholarships, though they typically are limited in number and very competitive. For example, Duke University School of Law offers only one merit-based scholarship, the Samuel Fox Mordecai Scholarship. These types of scholarships vary in the amount awarded but can cover up to full tuition, fees and books. Law school admissions offices and related websites will describe the criteria for receiving those scholarships and how to apply. Because these types are limited in number and highly competitive, it is best to apply early. Other merit scholarships may be awarded through participation in mock trial or moot court competitions sponsored by law schools. For those awards, no particular application is necessary since they are awarded to the teams that win the c ... Read more »

#loans for poor credit

#Military Loans Bad Credit

Personal loans from $1,000 - $10,000.

Fixed monthly payments and competitive interest rates.

If you need money quickly and you have bad credit, you may still qualify for a military loan from Just Military Loans. You qualify with at least 9 months or more of active duty remaining. We accept all credit levels because we understand you are more than just a credit score. Get started now with our fast, easy and secure application process.

Military Loans Bad Credit

At Just Military Loans, we specialize in loans to military personnel. It s all we do! We have developed a comprehensive underwriting model that takes into consideration elements of your personal life and your military career. Unlike other companies, we don t judge you on only a three digit credit number. See how easy it is to get a military loan by filling out our simple application. It takes minutes to complete an ... Read more »

#squamish real estate #

Squamish

• Phone: Toll-free: 1-866-758-1010">604-898-1010

Toll-free: 1-866-758-1010

Fax: 604-898-1400

Office Description:

Macdonald Realty Squamish is the only full-service real estate company in the Whistler Corridor, offering a complete range of services including residential sales (with an exceptional international marketing program for sellers), commercial sales and leasing, property management, strata management, mortgage services, land development, and project marketing.

The town of Squamish itself, strategically located between Vancouver and Whistler, is on the brink of becoming the focus of business and development in the Whistler Corridor. The multi-million dollar Highway improvement project and Quest University (the first private university in Canada) are amongst more than 5,000 current development applications. The opportunity for capital appre ... Read more »

#apply for loan #

Things You'll Need

Driver's License and/or Permanent Resident Alien Card

Necessary Documentation

Gather together the most recent two months of bank statements, pay stubs and any other assets you may have including pension plans. You must have a valid social security number, driver's license and/or a valid and up-to-date Permanent Resident Alien card, if applicable. Your lender will need to make copies of these.

You will need at least two years of W2's and may even be required to submit income tax returns. If you do not have these available, contact your local IRS office who can mail you transcripts of these documents.

If applicable, have divorces papers, settlement agreements and child support orders ready. The lender will require copies of all of these documents, which are needed to calculate your debt to income ratio.

Although excellent credit is not a mandatory factor of an FHA loan, it is still wise to make any credi ... Read more »

#real estate mackay #

Mackay, ID Real Estate and Homes for Sale

Mackay, Idaho is located in Custer County. Mackay is a rural community with a population of 467. The median household income is $43,056. In Mackay, 65% of residents are married, and families with children reside in 21% of the households. Half the population of Mackay commutes 12 minutes or less to work, with 47% of residents holding white collar jobs and 53% residents holding blue collar jobs. The median age of homes in Mackay, ID is 27 years, with 49% of those homes owned, 16% rented, and 34% not occupied. In the previous year, 4 Mackay properties were sold. The median sale price of a home in Mackay in the previous year was $73,486.

Map Layers

© 2015 Coldwell Banker Real Estate LLC. All Rights Reserved. Coldwell Banker®. the Coldwell Banker logo, Coldwell Banker Previews International® and the Coldwell Banker Previews International logo are registered service marks owned by Coldwell Banker Real ... Read more »

This section has been written for undergraduate and postgraduate students in Kent Law School. It attempts to give a brief answer to the question: What can I do with my degree?

Although your main interest may be in how to make the best use of your degree subject, there are many issues which are common to all undergraduates and postgraduates planning their careers. Some of these are covered in our pages Choosing a Career which will also help you to assess your strengths, weaknesses, interests, abilities and skills in order to relate career options to you .

Studying law develops many skills which will be equally valuable outside the legal profession, in particular the following:

• Communication, both written and verbal
• Analysing and problem solving
• Using information from different sources
• Time management
• Researching
• Presentation
• Negotiation
• Attention to ... Read more »

Bruce Ayres / The Image Bank / Getty Images

Three quarters of all lawyers work in a law firm. In its simplest form, a law firm is a business entity in which one or more licensed attorneys engage in the practice of law. The numbers, titles and roles of law firm attorneys vary based on the size and complexity of the firm. Below is an outline of the various attorney roles within a law firm and how each role fits into the law firm hierarchy.

This Guide to Non-Lawyer Careers in a Law Firm outlines the roles and career ladder of non-lawyer executive and support staff with a law firm.

The managing partner sits at the top of the law firm hierarchy. A senior level or founding lawyer of the firm, the managing partner manages the day-to-day operations of the firm. The managing partner often heads an executive committee comprised of other senior partners and helps establish and guide the firm s strategic vision. The managing partner usually assumes management responsibil ... Read more »

#Home Page

Black's Law and Mediation is conveniently located on the South Side of Indianapolis, Indiana. We specialize in all phases of Family Law including divorce, custody, child support, support modifications, visitation, adoption and guardianship. In addition, we do probate and general civil litigation, including personal injury cases. We are also registered family law mediators in the State of .

We are a small family oriented firm by design. Our main goal is to serve each client personally and efficiently.

First, I see law as a service business as much, if not more, than I see it as a profession. When I opened my own doors I took control of the policy of how the office is run and how my clients are treated as individuals. While I must maintain control of how a case is run in order to represent my clients properly, I have never lost sight of the fact that I work for the people who hire me and respect their goals. Perhaps more importantly, I see tha ... Read more »

#How Families Are Kept Apart by Current Immigration Laws: Immigration Impact

Family reunification has stood as a central pillar of the U.S. immigration system, dating back to 1965. Despite this, a new study by researchers Maria Enchautegui and Cecilia Menjivar shows that current immigration laws actually work to keep many families apart. Not surprisingly, the authors’ analysis reveals that immigrant households have a “high incidence of persons married with spouses absent, a high share of male-headed households, and high proportions of children not living with their parents or separated from the parents.”

In principle, our immigration law recognizes the right of U.S. citizens and lawful permanent residents to be reunited with close family members born abroad. By doing so, the law embraces the value of family life as a “matter of personal intimacy as much as physical support, of giving and receiving ‘care’ in the broadest sense.” However, a closer look at the actual impact o ... Read more »

#Home: Centre for Distance Education: Athabasca University

Our Centre

The Centre's core faculty consists of 9 academics and researchers, including a UNESCO/COL Research Chair in Open Educational Resources (OER) and a number of other internationally recognized scholars in the field of distance education. The Centre is also home to the Canadian Institute of Distance Education Research (CIDER), which publishes the online journal, The International Review of Research in Open and Distance Learning (IRRODL).

All Centre for Distance Education programs offer a number of benefits:

• Personal, individualized support
• Leading-edge technology
• Constructivist learning approaches
• Excellence in distance education methods
• Opportunities for collaborative research, and
• Opportunities for community-building and networking

Athabasca University (AU), Canada's Open University, is the nation's leading d ... Read more »