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Go For Online Education for Better Career Opportunities

Adult professionals today are very keen to upgrade their education for better career opportunities. This is the main reason why online education is gaining popularity among adults especially in progressive countries. Many colleges and universities in the United States are offering certificate programs or a college degree completely though online education. It is a clear proof that this system of education has become a growing trend for a large number of students seeking higher education.

Online education or distance leaning encompasses all technologies. Students and instructors communicate using printed materials or electronic media like emails that provides real time communications. In this system, real-time or off-line Internet resources are also used. The contents of the course can be delivered via Internet in the form of a text, animation, image, video or audio. Students can now have an easy access to higher education with the use of these technology based instructional system.

Through this system of education, students can stay wherever they want while pursuing a course degree. They can attend classes at the learning institution of their choice. You can save much of your money and time in travelling, room and board at school. It can give students the opportunity of learning fresh, new material all the time. Distance learning is flexible. Students can study anywhere and any time they want as long as there is an Internet connection. They can balance there responsibilities at home, work and community through distance learning programs.

Injured, elderly and handicapped people have a chance to further their education with distance learning. This is student centred education, where they can study at their own pace and level of motivation. It allows them to study and use their time according to their needs. Since there are various degree courses, students can choose freely a variety of subjects they want for their virtual learning experiences. Many people prefer this type of education because they are not required to attend classes.

Today online education is considered as a respected and valid way of furthering your education. Most academic leaders from the well established and accredited schools agree that the outcome of distance learning is somehow equal to traditional learning experience and environment. There is a survey recently that says online education outcomes were superior to those in traditional learning environments. The true challenge here is not about the system of education where you participate but its all about the eagerness of the student to study.

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Divorce Law – The Intersection of Divorce and Real Estate Law – What Happens to Marital Domiciles?

If husband and wife own real estate in Rhode Island and are getting divorced and have no minor children then there are many possible dispositions concerning the marital domicile.

The parties agree to sell the property

There may be negotiations during the Rhode Island (RI) Divorce concerning one spouse buying out their husband or wife’s share in the property. The parties can agree to a single appraisal or hire their own appraisors. Some parties simply agree to the fair market value and do not need an appraisal. If husband and wife’s appraisals are different then they can negotiate the fair market value of the property. After determining the fair market value of the property, the parties should look at all mortgages owed and determine the equity of the property. The equity in the property is the difference between the fair market value and all liens and mortgages. This article only pertains to divorce and family law in Rhode Island (RI).

The equity in the property will determine what amount the person who is refinancing should pay the other party to buy out their equitable share. At the refinance closing, husband or wife may deed the property by quitclaim deed. Upon transfer of the deed, the spouse will receive their agreed upon share of the marital equity.

If the parties cannot reach an agreement and there are no children, the property will probably be ordered to be sold at the Rhode Island divorce trial.

In some cases, one spouse may agree to take less then half of the equity in the property. This could be done for numerous reasons including: disparity in earning capacity, admissions of an affair or infidelity, offsets from other assets etc.

Parties may also agree to a multitude of different scenarios which might include one party living in the marital domicile and refinancing in the future to buy out the other party’s share. This usually involves the party who remains in the house granting a mortgage to the other spouse.

There is really no limit to the types of agreements that parties can reach and it is possible that the parties could trade off assets in which one spouse receives a different asset such as a retirement account in exchange for the other party obtaining title to the real estate. Be careful because there may be federal tax implications to such tradeoffs!

This can get tricky because a transfer of the property without a current refinance will not take the person who deeded the property name off of the mortgage and promissory note.The person who deeded the property without refinance must make sure that the other party actually pays the mortgage, taxes and insurance on a timely basis otherwise their credit could be effected.

You should seek legal counsel from a Rhode Island (RI) divorce and family law Lawyer / Attorney concerning all of the possible scenarios.

Division of the marital domicile when parties have minor children.

If both parties agree that one spouse should reside in the marital domicile with the minor child / children they can agree to a deferred sale of the property. The person who is not living in the house with the children often receives a mortgage to secure the rights to receive money in the future.

If the parties cannot resolve this issue the court will determine whether or not it is in the best interest of the minor children to defer the sale of the marital domicile. The court must look at whether or not the parent who is residing in the marital domicile can afford the mortgage, taxes, insurance and upkeep taking into account any child support, alimony or income that the person receives. The RI family Court must also determine how long the sale of the house should be deferred in the best interest of the children.

If the parties cannot determine issues of child custody, visitation and physical placement then the issues become a lot more confusing.

Legal Notice per Rules of Professional Responsibility:

The Rhode Island Supreme Court licenses all lawyers and attorneys in the general practice of law, but does not license or certify any lawyer/ attorney as an expert or specialist in any field of practice.

David Slepkow is a Rhode Island lawyer/ attorney concentrating in divorce, family law, restraining orders, child support, custody and visitation. David Slepkow has been practicing for over 12 years and is licensed in Rhode Island, Massachusetts and Federal Court. Free initial consultations. Credit Cards Accepted.

3 Things Every Home Based Business Owner Must Have

Many have set sail into the wild blue yonder in search of Paradise. This Paradise is defined as the “I am my own boss” world of home based business ownership. The landscape is dotted with the left-over carcasses of men and women who have tried and failed in this endeavor.Studies and statistics show that nearly 97% of all home based business fail. These 3 simple must haves will help you to avoid the traps and navigate your ship through the often stormy waters of home based business ownership.1) A Game Plan! This is probably something that falls into the “no brainer” category, but far too often we see and hear of people who are starting their home business but haven’t got a clue as to where or how to start. Not only do we need to know where we want to go but it would be wise for us to examine the details of how to get there. We should also carefully consider the costs associated with our new venture as well.2) The second thing every successful home based business owner must have is a DMO or Daily Method of Operation. Without this vital daily action plan we, will find ourselves wasting time and effort doing things that are non productive. Even small home business owners would do well to examine what some large production and or manufacturing companies do on a daily basis. Many have processes in place that help to drive results and eliminate unnecessary wasted effort. Remember, you’re in business to make money and not waste time and energy.3) The third thing that every home business owner must have is a good computer and at least a general working knowledge of how to use it. The days of paper applications and processes are long gone. Many files and old paper processes have been replaced with computers and various computer programs. No longer is the standard letter typed on a typewriter and mailed. Much of our communication is handled through email. The person who does not have a computer and have it in use is far behind the competition. This may seem basic to many, but there are still some people with an entrepreneurial spirit burning within that are not using the tools that can help them to be successful. A good computer in today’s business environment is as much a necessary tool as a good set of wrenches to a mechanic. Not only does the good mechanic have a functional set of wrenches but even the mechanic is using the computer to find valuable information for his trade on the internet.a) In addition to a good computer it would be good advice to get an internet connection and have the world at your fingertips through the world wide web.While there are an infinite number of things that the successful home based business owner should have, just paying attention to some of the basics will give you a foundation with which to build upon.