Melihat Penampilan Iqbaal Ramadhan sebagai Minke di 'Bumi Manusia'

How Applying to Law School Early Could Pay Off Many law schools use a rolling admissions process, meaning they evaluate applications as they come in and release admissions decisions, one by one. Because there are typically more spots available in a law school class at the beginning of the admissions process than at the end, the ideal time for J.D. hopefuls to apply to law school is in the fall or early winter, experts say. "I tell anyone planning on applying to law school to apply early," Dineen Pashoukos Wasylik, a partner and owner of DPW Legal, an intellectual property and appellate practice boutique law firm in Florida, wrote in an email. "The class just fills up, and it gets harder and harder to get in as time goes on." Wasylik, who earned her J.D. from Georgetown University, says she knows from experience that the timing of a J.D. application is critical. The first time she applied to law school, Wasilyk was in her senior year of college, and she submitted all her application materials at the last minute because she felt unsure about whether she wanted to attend law school at the beginning of her senior year. She only realized later in her senior year that law school was the logical next step for her, and says she was disappointed by the responses she got from law schools when she eventually did apply. Evaluate How These Soft Factors Might Impact Your Law School Chances A lot of factors go into consideration when an admissions committee evaluates a law school application. Many are obvious, such as GPA, LSAT scores, personal statement, letters of recommendation and resume. Many, however, are unaware that there are other aspects of an applicant that don't necessarily appear on any one document that may grant them a positive nudge when being assessed by law schools. We call these "soft factors," and if one of them is part of your life experience, you would do well to highlight it in your application to improve your chances. Highlight military service. Schools love veterans, as they typically have the discipline, maturity, and life experience that many applicants – especially those applying from college – may lack. However, as you'll see in almost any soft factor, not all veterans are viewed the same. Any decorations – especially the rarer ones, such as a Service Crosses or a Silver Star – would give you a leg up on other veterans, so you should discuss the circumstances surrounding any decoration in a personal statement or an optional essay. Additionally, commissioned service, or serving as an officer, is viewed more favorably, as it carries with it additional training and leadership experience. Showcase outstanding co-curricular achievements. If you have had a paper published in a recognized journal in your research field, or have won awards from recognized outside groups for your research, those are fantastic achievements to highlight on your law school application. Obviously, the more widely accepted and cited your paper is, the more weight it will carry with schools. Similarly, being a recipient of a prestigious scholarship would also work in your favor, the more exclusive the better. Play up work experience and relevant expertise. Think about how exclusive your position was to determine how much weight it will be given. Scooping ice cream is unlikely to move a needle much, but being a top-tier executive at a Fortune 500 company would be quite appealing to law school. The expertise, knowledge, determination and demonstrated work ethic are exactly what law schools expect from their students and alumni. Similarly, being even somewhat-widely known in your field, perhaps by coming up with a new treatment as a doctor or a new approach to a common problem, should also be highlighted. Finally, some relevant, extensive work experience in a field relevant to legal field, for example, working as a chemist for a biotech company who is now looking to get into IP law, could also reflect favorably with the admissions committee. Demonstrate your leadership experience in school. Even in college you’ll have a chance to shine in many capacities, but here too the specifics matter too. The more people relied on your guidance and the more pressure you were under, the better your application will look.

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How Did We Get This Old Without Life Insurance policies? Many Americans pass fifty and realize that a good financial plan would include more coverage. Maybe some people just never really felt any sense of mortality until they passed fifty, but I think most people had other reasons. Some of us had life policies through our jobs, but it did not follow us when we retired or changed jobs. Others did take out term life to protect their families or pay off a mortgage. Then that term life expired, and those people realized they had no coverage at all, but their savings were still not sufficient to take care of all obligations if they passed away. They could still carry debts, or perhaps offspring had not yet become as self sufficient as expected. Other people realize that they might give their families a tax advantage if they pass on money through a life insurance plan, rather than just leaving them money. Others want to protect their business if they pass away, or be able to allow a partner to buy out their portion of a business from other family members. No matter what the reason, lots of mature people, from the middle aged to the elderly, are looking for more coverage. Insurers are responding with new products that are designed for older clients. Actually, many older people can find rates that are fairly affordable, especially if they are still in reasonable health. But older people, even with health problems, can still find coverage. Of course, a normal insurance policy will cost more for a sixty year old than it would for a thirty year old, all other things being equal, but older people can have many things in their favor. Older people may have some positive things going for them. For one thing, insurers check into credit reports these days, and use that information to factor into their rates. Older people are more likely to have good credit, and a long history of financial responsibility. Mortgages may be paid off, or close to being paid off, so debt is less. In addition to good credit, more mature people have often developed good health habits. Following a doctor's orders, they may quit smoking and watch their weight. These factors can help with insurance company rates too! Smaller values of coverage may be enough for older people. One more thing to consider when looking for life insurance for an older adult is that the amount of coverage, or life insurance need, may be less. Mature people may not need to cover the whole mortgage or plan for their children's education anymore. Instead of having to consider a policy with a death benefit of hundreds of thousands of dollars, a few thousand dollars may be enough. Maybe a mature person just wants to leave their family enough money to pay for a funeral and settle debts, with perhaps a little left over as an estate. Instead of looking for life insurance policies with death benefits in the hundreds of thousands, a few tens of thousands may be enough life insurance coverage! Life insurance companies are more willing to offer policies to older, and perhaps sicker, people if the face value is lower because their risk is less. And of course, the cost of insurance will be less when the amount is smaller. Term life insurance is popular with younger families because it usually has the lowest monthly premiums. However and older person who is looking for a smaller face value policy will usually buy a permanent policy like whole life or universal life. This type of life insurance, in addition to providing a death benefit, can also build a cash value. So it can be more than a life insurance policy, but also a savings vehicle, and an asset that can be borrowed against or cashed in should the need arise. Some retired people will even sell their life insurance policy, before they die, to a life settlement company. They can use the cash to meet their needs while they are still alive.

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