What Is A Student Loan?

By: kotia kot


Student loan is designed to help with your payments towards the costs of a higher education course.
It is normally issued by a service managed by the Student Loan Company called Student Finance Direct, in partnership with the Department for Education and Skills and local authorities.

The loan accrues interest from the day it is paid. The good part is that the interest rate is linked to the inflation in line with the Retail Prices Index, which means you only really repay the amount you borrow with no profit made on the loan itself.

Do I qualify?

You qualify to take out a student loan if you are a part-time Initial Teacher Training student and are in full-time higher education.
If you are an existing student you will be able to take out either a Student Loan for Maintenance or a Student Loan for Fees.
On top of that, there are some other types of financial help you may be entitled to.

What’s Student Loan for Maintenance?

The Student Loan for Maintenance is designed to help you with your living costs during term times and holidays.
The amount of money you can have will depend on a few factors like your household income, whether you live at home while you are studying and whether or not you receive any Maintenance Grant and how much.

The amount of Student Loan for Maintenance you can borrow will not be affected by the Special Support Grant, if you receive any.
You will normally get a smaller loan in your final year at University, as there is no holiday period to cover you for and you will only need until the end of the final term.

You can apply for the non income assessed Student Loan and get around 75 per cent of the maintenance money regardless of your household income.
Whether or not you can apply for the rest of it will depend on your household income (‘income assessed loan’).
As a rule The Student Loan for Maintenance is paid in three installments directly into your back account at the start of each term.
The Student Loan for Fees is paid straight to your university or college by Student Finance Direct.

Repayments

They are due starting from April after your course is finished (at the start of the new financial year).
You are expected to repay 9% of your earnings over £15,000pa or the monthly/weekly equivalents.
For example, if you are earning £18,000 a year you will have to pay back nine per cent of £3,000, which works out at approximately £5.19 a week.

And so, the more you earn, the faster you will repay the loan. You can repay more than this if you decide to.
Outstanding loans will be written off when you reach 65.

Article Source: http://articlem.com


www.articlefinance.com It's all about money

Malignant Mesothelioma Lawyer

by: AdminAwareness of the harmful effects of asbestos has increased greatly since the 1970s. The large majority of people with malignant mesothelioma have a history of exposure to asbestos. Much of this exposure occurred after it was known that asbestos is linked to potentially debilitating diseases such as asbestosis. Diseases caused by asbestos exposure are preventable by removing asbestos exposure. The fact that workers in several industries were knowingly exposed to this dangerous substance has formed the basis of a great deal of litigation to seek compensation for victims of asbestos exposure in the United States. An Internet search can provide a long list of lawyers who are involved in asbestos-related litigation.

A patient with malignant mesothelioma and a history of asbestos exposure can file a lawsuit against the entity that was responsible for the asbestos exposure. In some states, exposure to asbestos alone, without any clinical disease, is sufficient to seek damages. Lawyers experienced in asbestos-related litigation, and with detailed knowledge of asbestos-related laws, may best serve plaintiffs. A skilled lawyer can help establish that a victim was exposed to asbestos, and can often use this information to settle litigation out of court. A victim can seek compensation for medical costs and lost income. Compensation for suffering can also be sought. If the person suffering from an asbestos-related disease dies, family members can continue to seek damages on the victim's behalf.

Close to a million Americans have filed lawsuits seeking compensation from companies alleged to be responsible for exposing them to asbestos. Selecting the right lawyer can be a daunting task for individuals and families coping with a highly lethal cancer like malignant mesothelioma. There are a number of support groups for victims of asbestos exposure that can help with free information on reliable legal representation.
About the Author
http://www.z-mesothelioma.com/

About a Mesothelioma Lawyer

by: Admin
When someone is diagnosed with mesothelioma, they may find that they need an attorney to help them with their case. This is a disease that is rare, and there is little to be said about the condition. The rate of this disease is on the increase and there are new lawyers that are trying to settle many cases for different people. They have stepped in for the rights of the people to help them with their case. Many victims of this disease need to have a mesothelioma lawyer to help them with their fight. These lawyers and law firms will deal with the victims and their families to help them claim the right compensation that they deserve from the companies that are responsible for their problems. These lawsuits result in a lot of money being won by the families when the right lawyer or firm handles them.

Handling asbestos causes mesothelioma. This comes from working in an environment that is affected by this deadly material or by someone that is contracted to remove it. Most of the time, the workers are made clear of the dangers that can be caused by working with this type of material. However, some employers will allow little or no protection from the material when the employees are handling it. These workers are entitled to compensation for their work. Today there are many mesothelioma lawyers to choose from and there are many that are right for you. Many of these lawyers have dealt with this type of suit in the past and know the correct way to handle it. Those people that are looking for a lawyer should choose someone with a good history and experience in this type of case. Most lawyers are happy to provide clients with information that may be helpful in using them for your services. They will show past cases with the names deleted to show proof of their victory. It is a good idea to find out if the mesothelioma lawyer that you are looking into has won any of their cases or not. These elements can make all the difference when it comes to trying to find the right lawyer to help you with your situation. It is a good idea to do as much research as you can on the entire situation. You may be able to determine your future when you choose their right mesothelioma lawyer for you and your case. When it comes to being sick with a disease that could have been prevented, it is hard to deal with. Finding the right mesothelioma lawyer to help you in your fight against these companies is a good start. You will be fighting for something that means so much to a lot of people and it will be worth it in the end.
About the Author
Copyright 2006 - Ivar Rudi. http://www.mesothelioma-online.biz/

Getting a Mesothelima Lawyer

by: Admin
It is said that mesothelioma is linked to lung cancer and it is a good idea to get the help that is deserved when someone feels like they have been diagnosed because of the work that they did for a living. There are many mesothelimo lawyers that are waiting to help you with your situation and will get you the settlement that you deserve.

There are many people that this disease affects. It will take its toll on the entire family. These lung cancer patients deserve to have the respect and the care that they deserve for all their duties while in the work force. It is important that these patients and their families have the necessary information that they deserve to be well informed about the entire process.

Malignant mesothelima is a rare form of lung cancer that is brought on by asbestos. The term mesothelioma is used to describe a cancer tumor, which involves the mesothelial cells of an organ; this is usually the lungs, heart, or the abdominal organs. When a person is diagnosed with this form of disease, a mesothelima lawyer will fight to give them the rights that they so deserve.

A person this is diagnosed with this form of cancer will have a long hard struggle in front of them. For most people, they will not get any better and will have to live with this type of problem for the rest of their life. When someone has to go through that much pain and suffering in their life because their company did not tell them that they were in danger, they will deserve a settlement for their time and their pain.

A mesothelioma lawyer will fight for their patients to have all of their medical bills paid and to have a little extra money to help them with the rest of their life. This is an important procedure that will determine how well you settle out. You need to be confident in your attorney so that the facts can be presented and the client will have a fair and good case.

In some cases the patients will die before the case is settled. In these cases, the families of them will be entitled to the remaining settlement. They will have to live without their family member for the rest of their life due to this terrible form of cancer and they will deserve to be compensated well for that reason. A mesothelioma lawyer will help them fight for what their loved one wanted so much.

In the end, the money and the settlement cannot make what is wrong turn right. It is not going to bring back the loved one. However, it will be telling these companies that they did something wrong and that they did not get away with it. You will be fighting for rights of the workers and the responsibilities of the employers.
About the Author
Copyright 2006 - Ivar Rudi. http://www.mesothelioma-lawyer-guide.info/

Real Estate Investing: No Lawyers, No Debt, No Plungers

by: sanserve
Real Estate investing is not nearly as legally complicated, financially burdensome, or time consuming as you might think. In fact, it is easy to add raw land, shopping centers, apartment complexes, and private homes to your portfolio without Brokers, Bankers, Attorneys, and a Rolodex full of maintenance professionals' phone numbers. Even better, you can blend your Real Estate investments into your security portfolio for ease of management, income monitoring, diversification analysis, etc. Without having mega millions to work with, or a line of credit that goes around the block, you can have positions in various forms of Real Estate (Commercial, Industrial, Residential) at the same time, and focus either on Growth Opportunities, Income Production, or a combination of the two.

If you thought that Real Estate was out of your investment reach because of limited funds, or minimal personal experience, you were selling yourself short. All of the basic types of Real Estate Investing are available through CEFs (Closed End Funds) and REITs (Real Estate Investment Trusts), and both can be purchased in the same manner as any common stock. And for me, this has always been their (CEFs and REITs) single most attractive feature! You can own a piece of the action without the big commitment of time and resources. You can take advantage of changes in the Real Estate Market Cycle in precisely the same manner as you can deal with the volatility and fluctuations in the Stock and Fixed Income Markets.

Real Estate CEFs and REITs are obviously safer investments than outright purchases of Shopping Centers and Apartment Complexes. They are also somewhat less risky than owning the common stock of individual Real Estate companies. The size of the numbers may be less exciting, but the net income and capital gains potential are comparable and the turnover rate much more impressive. Both methods (of participation in the Real Estate market) should be considered as you add to your investment portfolio... but to which Asset Allocation "bucket"? I've always included REITs and Real Estate CEFs in the Fixed Income bucket while the common stock of a plain vanilla Real Estate Company would properly fit within the Equity portion. When adding Equities of any kind to your portfolio, you should avoid the standard "Mob Popularity and Greed" model and select only S & P, B+ or better, rated stocks that pay dividends (regardless of size) and that are priced at least 20% below their 52 week high. After a huge rally in any market, I would be even more selective than that from a percentage standpoint, and I would buy about one-half the normal position to facilitate average cost reduction later. You must establish a reasonable profit-taking target on any investment. Real Estate is no exception. No matter what the investment, Virginia, the longer and stronger the rally, the steeper and faster the correction is likely to be.

On the Income side of the portfolio, make sure that you look at a lot of REITs and even more CEFs of various kinds to get a feel for the levels of income they produce. REITs must pay out a certain percentage of their earnings, but CEFs may not have the same restriction. I believe that either can be "leveraged", which simply means that management may choose to borrow some of the money that they invest. Leverage is not a four-letter word when used properly, and (in my opinion) it is more likely to help your results than it is to hurt them. It's always a good practice to stay within the normal income range, assuming that there is either a risk or a management reason for the highest and lowest yields, respectively. Be careful not to create a poorly diversified income portfolio. Bonds, Preferred Stocks, Mortgages, etc. deserve your attention as well and should be represented. Monthly income is available and more attractive than any other.

The major distinction between the two types of investing needs some re-emphasis. When purchasing stock in a Real Estate company (or any other company), your main objective should be to sell the stock for a reasonable profit as quickly as possible. You will then select some other stock and repeat the process. It is likely that you will return to the same companies over and over again, and you are the manager... any dividend income is gravy. When purchasing a REIT or a Real Estate CEF, you are depending on the managers of these entities to generate income and capital gains and to pass it on to you every month, recognizing that the actual amount may vary slightly over time. You have the bonus capability either of selling the REIT or CEF shares when they rise to an acceptable profit level (more gravy), or of buying more shares to increase your income level. The distinctions (benefits?) of this form of Real Estate Investing vs. ownership of the properties themselves should be clear as well.

About the Author
Steve Selengut http://www.sancoservices.com http://www.valuestockbuylistprogram.com Professional Portfolio Management since 1979 Author of: "The Brainwashing of the American Investor: The Book that Wall Street Does Not Want YOU to Read", and "A Millionaire's Secret Investment Strategy"