Time Flies Fast When You're in Law School

Have you ever had that feeling that time is spinning faster than usual?  I do, these days in particular. This might have been caused by a myriad of factors.  Perhaps I have become more organized and now preoccupied with lists (both daily & yearly) that accomplishing each item as much as I can made time whirl as if on fast forward.

In line with my countdown to projected future phases in my law school life,  I downloaded this application called 'Countdown' (see screengrab above) which literally counts down to the last second of any event you find worth remembering or preparing for.  That is on Blackberry by the way but I am sure you can also download the same app on Android phones.

Based on the application's calculation I realized that I have only a little bit more than 200 days to finish the current school year and double that number of days before the major bar exams next year, oh la la!

These just puts my brain on survival and countdown mode and made me frantic for a few days now.  I would review my list of daily tasks all leading to these two major events and each time feel that I am doing barely enough.  I realized that I need to up the pace if I want to be on track.

How I Make a Study Time Table

Making a time table a year ahead is easy of you are clear about your study goals.  I just think of what I need to accomplish at particular dates in the future and work from there backwards.  What I do on a daily basis is to do something all leading to that study goal.  This is my effective way of eating my 'frog' one chew at a time.  Start mapping out your time table if you intend to take the bar soon.

Since I have a very light load this time,  I intend to advance my readings into those subjects I will get the next semester to make use of the precious time I have.  If I stay on course and follow strictly my task list,  I would finish reading all my materials by 31 October 2015.   This leaves me with about 75 days more to go!  Then after this,  I would give myself a fresh round of 3 months to re-read the material and finish it by 31 January 2016.  Still pushing with the time schedule I have for the following semester I will finish my 3rd reading by 30 April 2016.

Tall order, eh?  It is better to put all these things in perspective as early as now.  Knowing and realizing the urgency will make you study efficiently.  How about you?

5 Tips in Choosing a Car Insurance Provider

Picking an auto insurance provider can be a daunting task for a new vehicle owner and that includes even a law student like me.  Choosing the right auto insurer for your needs is very important because a vehicle is a huge investment that requires protection that an insurance will provide. 

Finding a good car insurance provider seems as hard as finding a lifetime partner, for me at least. Why not? A motor vehicle insurance is something you will have to deal with for a long time,  so it is better choose wisely.

I have done my own fair share of research to find the car insurance that best answers my specific needs and these 5 tips might cut the job short for you.

If you happen to buy a car in the Philippines country,  it can often mean that the auto insurance is already included with it hence, it does not leave you much of a choice.  On hand,  if you have a choice,  you might want to take a note of these pointers.

1.  Know what you need.

Take time to think things through.  Make a rough list of the things you want out of your insurance. You must consider things such your budget for premium payment,  what kind of coverage and other details must be first be set out so you get all the basis covered before you even begin your search for your vehicle insurance.   The premium you are paying depends on these factors; Age of the car, price of the car safety record, repair history, etc.

2.  Ask out friends and relatives for recommendations

If you have zero knowledge about insurance companies,  do not be afraid to ask people who have been there and done that for recommendations.  This will give you ideas on what car insurers are out there that could provide you what you want in your vehicle coverage.

3.   Online comparison sites

Once you have ideas of insurance companies and what they offer,  it is now time to pair down your choices to at least 3-4.  Online comparison insurance websites now allow you to key in your preferred options are available.  Yes, they can help you with your initial decisions in pairing down your options.

4.   Find an insurance company that is stable.

You do not want a fly-by-night insurer.   Dealing with a legit insurer is the most important consideration among others.  Financial standing is likewise an important consideration to guarantee that your money won't be put to waste when the need arises.  Good reputation is also definite important point in choosing you car insurer.  This is often indicated by how many years they have been in business and whether they are involve in controversies or not.  Do your background check by checking with the insurance commission or insurance company registration agency in your state.

5. Check out the customer response of the company.

You must check out if the company good at responding to the queries, complaints of the client?
Understandably,  initial client contact and query with a company often gets a fast response because they will move heaven and earth to sign you up.  Do not disregard to check out the social media accounts of the insurer to give you an idea of how fast they respond to clients inquiries and complaints in these channels.

If at first instance you have been bounced around in the company then that is a definite red flag so observe how the insurance company deals with you.  Things to consider are as follows;  is it easy to contact them?  Do they have different point of contacts or channels to contact them? Do they have a hotline?

So there you go, I hope you find these tips helpful in your car insurance dilemma.

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