Go to LLM GUIDE Discussion Board
These unordered lists were compiled by LLM GUIDE's editors, taking to account existing rankings and other factors. Read more on the Methodology page
To read about rankings, see LLM GUIDE's Law School Rankings page.
More Top Lists
Go to Advanced Search
Receive the latest news and tips
© 2001–2024 Pritzwalks – LLM GUIDE – Master of Laws (LL.M.) Programs Worldwide
Welcome to the Money blog, your place for personal finance and consumer news and advice. Let us know your thoughts on any of the topics we're covering using the comments box below.
Tuesday 25 June 2024 20:43, UK
A major buy now, pay later platform has collapsed into administration.
Payments have been suspended for Laybuy users, who number in the hundreds of thousands, according to savings platform Raisin UK.
The lender has disabled its website and app, with customers unable to create accounts or receive and make payments.
"At present, the administrators are not accepting any new transactions for Laybuy; however, it is critical that customers continue to make their repayments as normal," warned Kevin Mountford, Raisin UK founder.
If administrators can sell the business, customer debt would be sold on and they would be expected to have made all their payments, he said.
"This news will be incredibly frustrating for their customers across the globe and will be unsettling news for the thousands of users in the UK who have used Laybuy for purchases from leading retailers like Amazon, Marks & Spencer and Next."
He called for buy now, pay later platforms to face better regulation to protect customers, especially given they contribute to credit scores.
Two Bristol-based start-ups are trialing whether urine passed at Glastonbury festival can be used as eco-friendly fertiliser, reports The Times .
Peequal, which provides the UK's largest music festival with female urinals, and NPK Recovery have developed a way to recover nutrients that encourage plant growth from waste, such as nitrogen and potassium.
This week, Peequal will collect thousands of litres of festival-goers' urine to be processed at NPK's lab, before it is administered to plants in a greenhouse.
Premier League clubs raked in a record £6bn in revenues in 2022-23, but their combined losses grew too - by 16%.
Deloitte's Sports Business Group report found pre-tax losses for the top-flight clubs of £685m over the period.
Wages and costs associated with player transfers were blamed for the red figure.
Read more here ...
Thames Water is not in line for nationalisation should Labour win the election, its shadow business and trade secretary has said.
"I wouldn't want to see a nationalisation. I think there should be a solution that falls short of that," said Jonathan Reynolds in a Bloomberg TV election debate.
Thames Water has been plunged into crisis, with representatives of its multinational syndicate of shareholders refusing to inject the billions of pounds of funding required to bail it out.
Just one week ago, Nvidia became the world's most valuable company.
The chipmaker - whose shares had risen nine-fold since the end of 2022 - overtook Microsoft as its stock market valuation reached $3.34trn (£2.63trn).
Since then, the shares have fallen by 13%, declining in each of the last three trading sessions.
That has been enough to clip more than $500bn (£394bn) from Nvidia's stock market valuation.
So what's going on?
Read my analysis here ...
Amazon has announced another Prime Day sale next month.
The discount event, which is only available to Prime members, will be held on 16 and 17 July.
It typically takes place twice a year - once in July and again in October, with deals dropping regularly on a range of products.
Based on last year's event, Which? expects the online giant to offer discounts across most of its departments, including electronics, kitchen appliances, baby products and health and personal care.
The consumer website predicts an Amazon Fire TV Cube, Ring Stick Battery Cam, Instant Pot Vortex 4-in-1 air fryer and Shark cordless vacuum could be some of the big ticket items on sale.
If you aren't already a Prime member, you might be able to sign up for a free trial before the sales begin, and then cancel it before you get charged.
To do this, you should cancel within 30 days, or you'll be switched automatically onto a regular membership, which is £8.99 a month.
If you're a student, you can get six months for free. You'll need to prove your course enrolment by providing Amazon with your university email address.
Just 18% of companies in the UK are led by women, and while data suggests female entrepreneurs are on the rise, men still receive more funding and are entrusted with higher average loans to get them started.
In an eight-part series every Tuesday, Money blog reporter Jess Sharp speaks to women who are bossing it in their respective fields - hearing their stories, struggles and advice for those who want to follow in their footsteps.
This week, she has spoken to Jenni Dunman, the founder and owner of Daisy First Aid...
Many people dream all their lives of starting a business - for Jenni, it was literally an accident.
"I was on a day off and went for a coffee with a friend, she had her daughter in a high chair, her daughter choked, and she didn't know what to do," Jenni explained.
"Being a police officer, I already had first aid training, so I was able to pick her daughter up and give her back blows, remove the blockage really quickly and she made a full recovery.
"I went home to my husband that night and said 'why don't parents know this really basic stuff'."
The genius idea of first aid classes aimed at giving medical attention to children was born - and now, having started with just £400, Daisy First Aid is on the brink of going global.
It has been quite a journey for Jenni, who left education at 16, moved out of her family home and worked three jobs just to make rent.
Living in Crystal Palace in southeast London at the time, she says she wasn't surrounded by the best crowd and after losing a child and ultimately trying to take her own life, she decided to make a drastic change.
"I went through a really dark time in my life and sort of decided at that point after hitting rock bottom I either had to try again and be successful or completely change my life," the 44-year-old said.
Jenni joined the Metropolitan Police.
"I wasn't living in a particularly nice area or hanging around with particularly nice people, so I decided I was just going to completely cut ties with everyone," she said.
Back in the days of her training, the police would cover the cost of accommodation and food for new recruits during their 18-week course, she explained.
"I basically had somewhere to completely restart my life. It completely changed my life. I loved it."
Jenni eventually worked her way up to detective sergeant, met her husband in the force when he came to her rescue, and was one of the first officers on the scene during the 7/7 Bombings.
"I think probably that's where I found my love for first aid initially," she said. "I really loved that side of things".
The emergency situation that sparked her idea
Several years later and now a mother-of-two, Jenni was finding it difficult to juggle work and her busy home life.
It was while she was pregnant with her third child in 2013 that she came up with her business idea, sparked by the incident in the cafe.
"They do all these amazing parenting classes but if your baby stops breathing, or they choke, or they have a seizure, why aren't they taught this basic first aid?" she said.
Jenni started searching online at what big organisations were already offering, and found a gap in the market with classes directed solely at parents.
One pavilion, two customers and a friendly favour
Initially, she started by setting up one first aid class in her local pavilion in Sutton and putting a post on Facebook inviting people and their babies to come along.
The two-hour class taught people about the signs of meningitis, how to deal with burns and seizures, and broken bones in a way that was "simple and easy to remember".
Her initial start up costs came to £400, which was mostly spent on mannequins for the class.
"I had two bookings, which both paid £25, and I asked all my friends to join me to make it look busy, so they all came with their babies and we had a great class," Jenni said.
After that, word spread quickly and she started getting more and more customers as her business organically grew.
"I took a career break from the police and I started getting bookings from London, Surrey, Kent... I realised I was actually onto something," she said.
Learning, learning, and more learning
As her company blossomed and she struggled to fill demand, Jenni started looking into how it should be structured.
From the beginning, she wanted a work-life balance that she hadn't been offered in the police, and worked her hours around the school run and pick up.
Using Google and teaching herself, she came across the idea of franchising.
"I knew nothing about starting a business, I knew absolutely zero, so I very much learnt along the way. I learnt how to franchise and tried and tested the model," she said.
"I took on two franchises, who were both female police officers who lived in other areas, and taught them how to grow their business and do what I was doing.
"It just sort of exploded beautifully and really quickly scaled into what it is now, which 115 franchises across the UK with plans for worldwide expansion.
"We have helped to save hundreds of thousands of babies' lives."
'I get offers for investment - but I turn them down'
Daisy First Aid is now planning to launch in Dubai by the end of the year, with Jenni having aspirations to take it to Australia and Europe as well.
"What was supposed to be a little business for me, to help me get a little statutory maternity pay, has ended up being life-changing for me and my other franchisees," she said.
Unlike many businesses, Jenni has never taken any investment, funding the initial set up herself and growing it ever since.
"I probably get offers of investment twice a month, but I have never taken investment, so I own 100% of the business. Some people think I'm crazy, but I'm just really happy," she said.
"The model we have works so beautifully and we know we can replicate that anywhere."
What about the challenges?
Jenni said the "biggest battle" she had overcome was her own mind, and it was something she still had to work on every day.
"I think that most of us are taught from our parents, our ancestors and beyond, to just survive life and stay safe... you know, go to school, get a job, get a pension, retire and then you die," she said.
"I really think now that we can remove those blocks just to open up because we are meant for more."
She explained how she has had to work for the last 20 years to get over the fear of failure but also the "fear of bragging and success".
"By far, my biggest challenge is myself and my own self sabotage," she added.
"There are so many fears that we all have that stop us from achieving more."
Jenni's advice
Jenni confessed that she was "massively obsessed" with learning, and advised others to research and teach themselves the skills they lack.
"All the information is out there online, whatever you need, you can find it out, but also don't be afraid to ask other experts for help," she said.
She recalled the first time she hired an accountant, and she asked him to explain everything to her like she was 10.
"Sometimes as entrepreneurs, people expect us to know everything, but we're never going to know anything. We can be brave enough to ask other experts, though.
"There are so many people who will give up their spare time to help you, and there is so much information online, so it doesn't have to be costly."
She also takes these five daily steps to keep her mindset positive:
HSBC is the latest lender to announce a wide range of mortgage rate cuts as swap rates improve.
While the details of the changes won't be published until tomorrow, brokers believe the move will prompt more reductions from other high street banks.
And if a Bank of England rate cut comes in August, "all bets are off", Katy Eatenton, mortgage specialist at Lifetime Wealth Management, told Newspage.
"Summer is here and the sun is finally shining over borrowers, who have been in the swap rate shade for too long," she said.
While the market has been lethargic over the election period, these reductions could "be the starting pistol to a campaign of 'summer sizzlers' from lenders", said Andrew Montlake, managing director at Coreco.
He said the period could be a "good time to bag a deal" before a new government is elected.
HSBC is following in the footsteps of Barclays and MPowered Mortgages, which cut their rates yesterday.
Justin Moy, managing director at EHF Mortgages, said: "Rate cuts across the majority of their range will be welcome by all types of borrower, and will accelerate the reaction from other high street lenders."
But a broader market shift is still needed to truly spark the housing market, said Ranald Mitchell, director at Charwn Private Clients.
Nestle is abandoning its new recipe for Nesquik milkshakes following a backlash from shoppers.
The food giant swapped out maltodextrin for rice flour in an attempt to improve the product's texture, but consumers complained it left a "vile sludge" in their drink.
The food giant is returning to the original ingredients for the products, strawberry and banana-flavoured milkshake mix, next month, The Grocer reports .
"The new recipe for banana Nesquik is utterly disgusting with a vile sludge left at the bottom of the glass. Your quality control has messed up big time here," posted one shopper on X.
Another wrote: "Whatever you have done to the strawberry powder recipe, please change it back.
"I opened a new tub yesterday and it tastes weird and gets really thick at the bottom. I have a pint or two a day and it's never been like this."
Others took to Reddit to vent: "The last two weeks have been miserable with the sludge at the bottom and I thought I had a ruined batch of powder."
Sky News has contacted Nestle for comment.
A spokesperson for the company told The Grocer: "Our aim is always to have the best possible recipe on the market and we sometimes make changes that aim to improve on existing recipes.
"On this occasion the change has not been popular with consumers and we have listened to their feedback.
"We can confirm the old recipe is going back into production and it should be in stores in July. We apologise for any inconvenience this has caused."
By James Sillars , business news reporter
We're going to start with some more big movements for Nvidia's share price.
The AI-leading chipmaker claimed the crown from Microsoft last Wednesday to become the world's most valuable listed company.
The stock was going great guns and up by 170% in the year to date at that point.
However, the stellar rally stopped in its tracks, and Nvidia's shares have since entered so-called correction territory, according to analysts.
Nvidia's market value was, at one stage, more than 10% below its peak, losing around $430bn over three days.
It's now worth $2.91trn, according to LSEG data.
Ipek Ozkardeskaya, senior analyst at Swissquote Bank, wrote this morning: "The selloff hit suddenly, right after the company stole the status of the world’s most valuable company from Microsoft.
"There has been no bad news regarding the company's fundamentals on the newswire, no analyst downgrades, no soft forecasts, no rumours of slowing sales.
"It's just that the end of last quarter and the first half may have brought some investors to take some profit and go to the sidelines."
Nvidia currently stands at number three in the value table behind Microsoft and Apple.
Elsewhere this morning, the FTSE 100 has opened flat following a 0.5% gain on Monday.
It is trading at 8,287 - up just five points.
We are still keeping a close eye on the oil market as costs climb. A barrel of Brent is $1, up on yesterday at $86.
The latest increase was attributed to new forecasts of strong demand during the traditional US summer vacation (forgive the Americanism) season.
The number of job vacancies across the country has marginally increased this month, but there are areas where companies appear to be hiring more.
Research by Adzuna found London has the most job vacancies, with 154,506 roles being advertised, followed by the South East with 131,973 - an increase of 1.2% since April.
In Northern Ireland, the number of opportunities has fallen by 1.5% to just 7,790.
In terms of cities, Cambridge offers the most chance of finding a job with just 0.34 unemployed people per role and 7,276 jobs available.
This is followed by Guildford (0.49) and Exeter (0.63).
Bradford remains the hardest city to find a job, with 7.94 jobseekers per role.
Rochdale and Middlesbrough also have high jobseeker-to-role ratios, at 4.86 and 4.57 respectively.
Monthly advertised salary figures have also fallen for the first time since October 2023, down 0.11% to £38,765.
This is despite the recent National Living Wage hike to £11.44 per hour.
While slightly weaker salaries could help relieve some tightness in the labour market, it may also suggest increasing vacancies for entry or junior-level roles with lower salaries.
In comparison, annual salaries are still up 2.69% compared with May 2023.
Unsurprisingly, London was found to be offering the highest average salaries at £44,863, which is up 1.47% on last year.
Wales was the region with the lowest typical salary at £34,048.
Basically… a guarantor is someone who agrees to cover another person's bill in the event they can't pay it.
Guarantors are sometimes required when taking out a loan or mortgage, or moving into a rented property, if the person responsible for the bills doesn't meet income requirements.
For renting, a landlord might also request a guarantor if the tenant has limited renting history, a low credit score or other factors that would deem them at risk of missing payments.
Who can be a guarantor, and what are they responsible for?
The simple answer is - almost anyone.
Often it'll be a parent - especially for young people renting for the first time or taking their first steps onto the property ladder - or a spouse.
But friends and other relatives can be guarantors too.
The basic requirements for being a guarantor are:
Being a homeowner will also make you more desirable as a guarantor, as it shows that you have a way of covering costs if you need to. You usually have to live in the UK too.
What the guarantor is legally responsible for can vary depending on what's written in the guarantee.
In the case of renting, the guarantor is usually responsible for paying rent if the tenant can't for any reason. They might also have to cover repairs if the tenant damages the property.
In extreme cases, the guarantor might be called on to cover legal costs faced by the landlord due to the tenant.
What happens if the guarantor can't pay?
If you can't pay the lender or landlord what you owe, they may turn to your guarantor at this point, if another agreement can't be worked out.
In the rare event that the guarantor can't - or even won't - pay, they could be taken to court. It's likely that remediation action would be taken before it gets to this point, but the guarantor signs a legally binding contract, so it can happen.
Not paying the debt could also impact the guarantor's credit history.
Read other entries in our Basically series...
Be the first to get Breaking News
Install the Sky News app for free
IMAGES
VIDEO
COMMENTS
SOAS University of London. (4.1) The School of Law accepts candidates for research work leading to a PhD. The central feature of PhD work is the close relationship Read more... 3 years Full time degree: £4,860 per year (UK) 6 years Part time degree: £2,430 per year (UK) Apply now Visit website Request info.
1,409 EUR / module. 4 years. This Crime, Policy and Security programme from London Metropolitan University make a difference to the criminal justice, national and international security sectors, while having the opportunity to enhance your career. Ph.D. / Part-time / On Campus. London Metropolitan University London, England, United Kingdom.
Receive research training in law and social sciences. Loading. Law - PGR Virtual Open Week Session (September 24 entry) Open days. To find out what studying on a ... PhD (full-time) UK students (per annum): £4,786 International, including EU, students (per annum): £21,500 PhD (part-time)
Course details for prospective students on our PhD/MPhil/MJur Law Postgraduate doctoral research degree programmes at the University of Birmingham. Skip to main content. Search for: Search. Recommended pages ... UK: £4,786 full-time, £2,393 part-time International: £21,840 full-time; £10,920 part-time (distance learning only) More detail.
Tuition fees for 2024 entry. (As a guide) UCL's tuition fees for UK students registered on graduate research programmes at UCL Laws for 2023-24 are £5,860 for full-time students, and £2,930 for part-time students. These will likely increase for 2024-25. UCL's tuition fees for international students registered on graduate research ...
Law. 26,048 USD / year. 3 years. This Law programme PhD programme from the Queen's University Belfast offeres supervision across the legal field, supporting a range of approaches, from the doctrinal to the sociolegal, comparative, criminological and critical. Ph.D. / Full-time, Part-time / On Campus.
Swansea University International Postgraduate Research Excellence Scholarships 2024. Swansea University. The Swansea University International Postgraduate Research Excellence Scholarship (SUIPRES) is a competitively awarded scholarship scheme open to overseas PhD and Professional Doctorate applicants, who are eligible for the international rate ...
The maximum duration for a PhD is 3 years (36 months) full-time or 6 years (72 months) part-time with an optional submission pending (writing-up) period of 12 months. Sometimes it may be possible to mix periods of both full-time and part-time study. If studying on a part-time basis, you must establish close links with the University and spend ...
Edinburgh Law School is ranked 3rd in the UK for law for the quality and breadth of our research by Research Professional, based on the 2021 Research Excellence Framework (REF2021). ... PhD Law: a UK 2:1 honours degree in law, arts or social sciences, and a UK Masters degree with at least 60% in the taught section and 65% or more in the ...
PhD in Law (min 2 years) Gain expert knowledge in a specialist legal field, develop your research skills, and benefit from joining our academic community with its national and global networks, by joining our postgraduate research programme in Law. ... UK/EU International; Law: MPhil/PhD: 2021: Full-time: tbc March 2021: £17,592: Law: MPhil/PhD ...
PhD Law - 3 years (full time) PhD Law - 6 years (part time) LLM by Research - 1 year (full time) LLM by Research - 2 years (part time) Fee status. We charge different rates depending on your fee status, for example 'home' or 'overseas'. Your tuition fee status is determined by: your nationality
The University of Manchester Faculty of Humanities Doctoral Academy, School of Social Sciences. Classifying and Understanding Remedies in Comparative Labour Law (CURE) is a 5-year comparative project, originally funded by the ERC and guaranteed by UKRI, based at the Department of Law, University of Manchester and led by Professor Aristea ...
The main advantage of studying by distance learning is the opportunity to undertake research supervised by one of our world-renowned academics without having to relocate geographically to the Birmingham region. The flexibility offered by distance learning will allow you to combine study with other commitments, including work and family.
PhD Programme. The PhD programme at the London School of Economics and Political Science offers the opportunity to undertake advanced legal research at one of the world's best law schools. Students in our PhD programme receive excellent training and work under the supervision of leading scholars with strong international, comparative and ...
Current cost: from £5,000. The University of the Highlands and Islands is most affordable uni in Scotland for postgraduate study. Made up of 13 colleges and research centres, and over 70 local learning centres, it offers many online and part-time course options so you can fit your studies around other commitments.
47 Legal Studies PhDs in United Kingdom. View all PhD's. Law. If you're ready to take your expertise and qualifications in Law research at University of Portsmouth is the... Faculty of Business and Law. Portsmouth, England, United Kingdom. Law By Distance Learning. Throughout the Law By Distance Learning PhD/MPhil/MJur programme from University ...
The University allocates around 150 entry awards each year in PhD studentships and bursaries, so there are many ways to access PhD funding. A studentship is usually a package that provides full funding for tuition fees and living costs. Information about studentships relevant for those wishing to study in the School of Psychology and Clinical ...
Fees can be as low as £8,000, so as an international student, you can focus on your studies without worrying too much about breaking the bank. Search through postgraduate degrees at Middlesex University. 1. University of Hull.
If you're interested in studying a Legal Studies degree in United Kingdom you can view all 9 Online Courses Programmes. You can also read more about Legal Studies degrees in general, or about studying in United Kingdom. Many universities and colleges in United Kingdom offer English-taught Online Courses degrees.
postgraduate law Find the right course for you. Whether you're converting to law study, if you already know whether you want to become a solicitor or barrister, we have a course for you. Take a look at your course options, side by side. Our law course finder can help you understand the route to becoming a solicitor with The University of Law.
PhD by thesis. This is the most common means of getting a Doctorate. Over the three or four years of research at university, your PhD supervisor will support you as you aim to produce a thesis based on your research proposal. A thesis is typically 60,000-90,000 words in length - although this can vary between institutions.
Law. 380 EUR / year. 3 years. The Law school's (Ph.D.) doctoral programme within the Sciences Po doctoral school provides high-level training for students who wish to bring a significant theoretical contribution to their understanding of legal issues in a specific area of the law. Ph.D. / Full-time / On Campus.
London, United Kingdom 941 Followers 904 Discussions. Queen Mary's School of Law is relatively young, but has garnered quite a reputation since being founded in 1965. The Guardian places it 17th in the UK, with particularly high scores for student satisfaction. Being based in London affords Queen Mary students several notable advantages.
Just one week ago, Nvidia became the world's most valuable company. The chipmaker - whose shares had risen nine-fold since the end of 2022 - overtook Microsoft as its stock market valuation ...