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At more than $1 trillion, there's more student loan debt than any other type of consumer debt in the United States.
But because of a 2005 law ushered through Congress by Republicans, student loans are the only type of debt that is nearly impossible to discharge in bankruptcy.
Members of the Obama administration have said Congress should rethink that rule, and who occupies the Oval Office for the next four years could have a huge impact on any attempt to change student loan policy.
Although student loan debt and policy weren't discussed much in the presidential debates, the good people at LawQA and BlueGlass Interactive, Inc. have come up with a handy infographic to break down some of the key differences between President Barack Obama and Mitt Romney on student loan policy.
Check out the infographic and let us know where you stand in the comments below:
Source: http://www.huffingtonpost.com/2012/10/23/obama-romney-student-loans-infographic_n_2005662.html
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GUANTANAMO BAY NAVAL BASE, Cuba (AP) ? A U.S. military judge is considering broad security rules for the war crimes tribunal of five Guantanamo prisoners charged in the Sept. 11 attacks, including measures to prevent the accused from publicly revealing what happened to them in the CIA's secret network of overseas prisons.
Prosecutors have asked the judge at a pretrial hearing starting Monday to approve what is known as a protective order that is intended to prevent the release of classified information during the eventual trial of Khalid Sheikh Mohammed, who has portrayed himself as the mastermind of the terror attacks, and four co-defendants.
Lawyers for the defendants say the rules, as proposed, will hobble their defense. The American Civil Liberties Union, which has filed a challenge to the protective order, says the restrictions will prevent the public from learning what happened to Mohammed and his co-defendants during several years of CIA confinement and interrogation.
The protective order requires the court to use a 40-second delay during court proceedings so that spectators, who watch behind sound-proof glass, can be prevented from hearing ? from officials, lawyers or the defendants themselves ? the still-classified details of the CIA's rendition and detention program.
"What we are challenging is the censorship of the defendant's testimony based on their personal knowledge of the government's torture and detention of them," said Hina Shamsi, an ACLU attorney who will be arguing against the protective order during the pretrial hearing at the U.S. base in Cuba.
The protective order, which is also being challenged by a coalition of media organizations that includes The Associated Press, is overly broad because it would "classify the defendants own knowledge, thoughts and experience," Shamsi said in an interview.
"It's a truly extraordinary and chilling proposal that the government is asking the court to accept," she said.
Protective orders are standard method in civilian and military trials to set rules for handling evidence for the prosecution and defense. Military prosecutors argue in court papers that the Sept. 11 trial requires additional security because the accused have personal knowledge of classified information such as interrogation techniques and knowledge about which other countries provided assistance in their capture.
"Each of the accused is in the unique position of having had access to classified intelligence sources and methods," the prosecution says in court papers. "The government, like the defense, must protect that classified information from disclosure."
Army Brig. Gen. Mark Martins, the chief prosecutor for the military commissions, said Sunday that the security precautions are necessary to prevent the release information that could harm U.S. intelligence operations or personnel around the world, and not to prevent embarrassing the government or to cover-up wrongdoing.
"Our government's sources and methods are not an open book," Martins said.
The U.S. government has acknowledged that before the defendants were taken to Guantanamo in September 2006 they were subjected to "enhanced interrogation techniques" such as the simulated drowning method known as water-boarding. Defense attorneys say the treatment will be used to form the basis of their defense but the proposed protective order limits their ability to make that case in court and in public advocacy on behalf of their clients.
"It's a way in which the government can hide what it did to these men during the period of detention by the CIA," said Army Capt. Jason Wright, a Pentagon-appointed attorney for Mohammed. "I think we need to bring the truth to the light of day on these issues."
The judge's approval of the protective order, which may not happen this week, must occur before the Sept. 11 case can move forward. Defense lawyers cannot begin to review classified evidence against their clients until it is in place.
The protective order is the most contentious of about two dozen preliminary motions scheduled to be heard during a pretrial hearing expected to run through Friday. Other matters include whether the defendants can be required to attend court sessions, what clothing they are allowed to wear and defense requests for additional resources for what is considered one of the most significant terrorism prosecutions in U.S. history.
The families of people killed in the Sept. 11 attacks have been invited to military installations in the U.S. states of New Jersey, Massachusetts, Maryland and New York City to watch the pretrial hearings, which are closed to the general public. An earlier round of hearings in May was also transmitted to viewing locations for relatives of the victims, survivors of the attacks, and emergency personnel who responded to the disaster.
Mohammed and his four co-defendants are being prosecuted in a special military tribunal for war-time offenses known as a military commission. They were arraigned May 5 on charges that include terrorism, conspiracy and 2,976 counts of murder in violation of the law of war, one count for each known victim of the Sept. 11 attacks at the time the charges were filed. They could get the death penalty if convicted.
Mohammed, a Pakistani citizen who grew up in Kuwait and attended college in North Carolina, has told military officials that he planned the Sept. 11 attacks "from A to Z" and was involved in about 30 other terrorist plots. He has said, among other things, that he personally beheaded Wall Street Journal reporter Daniel Pearl. The other defendants are Ramzi Binalshibh; Walid bin Attash; Mustafa Ahmad al-Hawsawi; and Ali Abd al-Aziz Ali.
Their arraignment was an unruly, 13-hour proceeding in which the defendants stalled proceedings by refusing the use the court translation system and ignoring the judge. Subsequent hearings to handle pretrial motions were postponed because of scheduling conflicts, the Muslim holy period of Ramadan and Tropical Storm Isaac. Several more pretrial hearings must be held to litigate hundreds of motions before the start of the trial, which is likely at least a year away.
Source: http://news.yahoo.com/sept-11-trial-rules-under-scrutiny-guantanamo-190441494.html
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Dear Sam: I have been self-employed for 16 years as an Independent Manufacturers? Representative. The business has been successful and financially rewarding over the years, but due to industry consolidation and possible burn out on my end, I feel the need for a change. I would like to reenter corporate life, and not necessarily in my current Industry. I feel I have much to offer including experience in sales and marketing, business management, sales management, and?exposure to all facets of operating and owning a business. How would I market myself in this situation? I have been told that being self-employed for a good portion of your career?can be an obstacle to reentry. Any thoughts? ? Mik
Dear Mike: I work with, and speak to, a lot of clients seeking to return to corporate America, many of whom initiate the process for reasons similar to those you noted. I always explain to those clients that in order to overcome key barriers to reentry, they have to be very careful how they position independent or entrepreneurial engagements.
I first explain that entrepreneurs, or those that are self-employed, typically thrive in very flexible, independent roles, a structure that often doesn?t exist in most traditional corporate environments. Having said this, a hiring manager could fear that if employed, you would not be in an environment in which you would thrive. Additionally, if you took Entrepreneurial Skills 101, you would learn that entrepreneurs live for challenges, and once a challenge has been conquered they typically like to move on to the next opportunity. This doesn?t sit well with a hiring manager who either isn?t in a position to offer a challenge-based role, or needs someone to stick around for more than a couple of years.
Given these are some of the barriers you will have to overcome, let?s review how to do just that. I often use a combination format for my entrepreneurial clients, a format that allows for presentation of key achievements before the professional experience section and disclosure of self-employed status.
To start, begin your r?sum? with a strong qualifications summary specifically geared toward the opportunities you are interested in, being careful not to dilute the picture too much by presenting too many areas of expertise. Small business owners do possess a variety of skills?as they typically manage operations, accounting, sales, marketing, staffing, etc.?but finding a role in corporate America that will employ all of these talents isn?t likely. So, be careful not to present yourself as a jack-of-all-trades or an expert of everything, as suddenly you will dilute your experience and become an expert of nothing. Instead, thoroughly evaluate the opportunities that interest you and highlight related experiences, skills, and achievements. This may mean that you have to have a few modified versions of your r?sum?, although the changes won?t have to be extensive.
In the achievements section, highlight the value you provided in your past role. Answer questions such as: What were your sales results? How did you expand market share? How many products lines did you represent? How was your performance when benchmarked against other reps? How did you effectively manage numerous relationships? Use the answers to these questions to infuse your r?sum?, and this section, with personality and a strong presence on the page, leaving your day-to-day functions?and the presentation of your self-employed status?to fall to the bottom of page one or even page two. In the professional experience section, be careful not to present a summary focused on running a business, and instead focus the hiring manager?s attention on the functions you performed that directly relate to your current career goals.
The move back to the corporate world can be done, it just has to be approached carefully so you position yourself as a highly qualified candidate with strong related skills, versus an entrepreneur who thrives in roles requiring autonomy and the ability to manage all business functions. I certainly wish you all the best with the transition.
Take a look at the example I have presented of a combination format r?sum?. As you can see, the qualifications summary and select highlights sections take up the majority of page one of the r?sum?. Based on this approach, the 4-7-second screening process will be spent almost exclusively on these high-value areas of the r?sum?, leaving any potential disqualifiers hard to hide in the professional experience section, to fall to the end of page one.
Source: http://ladybug-design.com/blog/?p=592
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Best Lawyers, the oldest and most respected peer-review publication in the legal profession, has named 11 Strauss Troy attorneys as ?Lawyers of the Year? in 12 legal practice specialties. They are:
Best Lawyers compiles its lists of outstanding attorneys by conducting exhaustive peer-review surveys in which thousands of leading lawyers confidentially evaluate their professional peers. The latest edition of The Best Lawyers in America(2013) is based on more than 4.4 million detailed evaluations of lawyers by other lawyers.?The lawyers being honored as ?Lawyers of the Year? have received particularly high ratings in our surveys by earning a high level of respect among their peers for their abilities, professionalism, and integrity,? said Steven Naifeh, president of Best Lawyers. ?We continue to believe ? as we have believed for more than 25 years ? that recognition by one?s peers is the most meaningful form of praise in the legal profession.?
Strauss Troy Co., LPA, founded in 1953, has earned a strong reputation for providing the highest-quality legal services with a personal approach. As a full-service law firm, Strauss Troy has diverse expertise and a history of proven success. No matter what issue you face, the firm has the right professionals, who work together as a team, to get you the answers you need quickly and affordably. Strauss Troy?s areas of practice include: Corporate | Business, Criminal | White Collar Defense, Domestic Relations | Family Law , Labor | Employment, Litigation, Municipal | Government, Real Estate | Finance, Tax Planning | Compliance and Trust | Estate Planning. Learn more at www.strausstroy.com.
Strauss Troy is recognized as a leading law firm in the Greater Cincinnati | Northern Kentucky region and is a Martindale-Hubbell Top Ranked Law Firm? in Fortune Magazine. The firm is recognized as a U.S. News & World Report Best? Law Firm, and many of its attorneys are honored as peer-rated Martindale-Hubbell AV? Preeminent? Attorneys, Best Lawyers? in America, Super Lawyers? and Rising Stars. The firm is also listed as a top law firm by the Cincinnati Business Courier.
About Best Lawyers in America?
Based soley on peer review, being selected as a Best Lawyer? is a significant honor. For more than 30, Best Lawyers? lists have proven to be the most dependable, impartial source for legal referrals worldwide. Only a single lawyer in each practice area in each community is being honored as the ?Lawyer of the Year.?
A listing in Best Lawyers is widely regarded by both clients and legal professionals as a significant honor, conferred on a lawyer by his or her peers. For more than three decades, Best Lawyers? lists have earned the respect of the profession, the media, and the public, as the most reliable, unbiased source of legal referrals anywhere.
Because of Best Lawyers? known credibility, our lists reach a broader and more important audience than any other legal publication. More than 17 million readers see Best Lawyers? lists in dozens of city and regional publications in the U.S. including The Washington Post, The Los Angeles Times, and New York Magazine, as well as in major business and general publications around the world, from Les Echos in France, to the Australian Financial Review, Business Day in South Africa, Expansion in Spain, and the Handelsblatt in Germany.
Three years ago, Best Lawyers partnered with U.S.News & World Report, the leading rankings publication in the U.S., to rank law firms in the United States.
Source: http://www.strausstroy.com/articles/eleven-strauss-troy-attorneys-named-best-lawyers/
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The Seasons were mystical beings who controlled Spring,Summer,Autumn,and Winter from afar. But, what happens when they sneak away and decide to take a look at the planet in their own eyes.
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