Guide to Finance

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Prepare For The Future

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The Association of British Insurers (ABI) has released a study that suggests that almost a quarter of people in the UK will become unemployed at some point during their working life, if only for a short time. But the findings indicate there are some Brits who will be out of work for 12 months or more and the ABI is warning that families could be in real trouble if they do not sort out their finances as soon as possible. The prospect of being jobless and the likelihood of an economic downturn this year should prompt people to address their money situation and this may involve taking out a debt consolidation loan to cover numerous outstanding bills.



However, unemployment is not the only problem facing householders. Recovering from an accident or illness can also put a breadwinner out of action for some time and this may be another reason why people need to think ahead and consolidate their finances now, the ABI said. Nick Starling, the ABI's director of general insurance and health, said: "It is important when people are taking out a loan or a mortgage that they think about how they would meet repayments should they fall ill or become unemployed."

Cheshire Building Society has also urged Brits to sort out their personal finances, especially after Christmas left many people with less money than they are used to. Keeping a diary of expenditure helps people to see where their money is going and where it is being wasted, according to the building society, which said that by recording outgoings people may find they end up spending less, thereby freeing up funds to pay off credit card bills or existing loans.

Cancelling unnecessary subscriptions and direct debits, which may be a drain on an individual's bank account, is also recommended. Cheshire Building Society's advice is echoed by the Co-operative Insurance Society, which recently said that life-changing events like getting married, buying a house or having a baby can have a major impact on somebody's finances. But it said there is evidence to show that many people do not have the "right provision in place" to cater for their financial needs - and this may involve taking out a debt consolidation loan.

Charles McKeown, CIS insurance sales director, said that people are often "ill equipped" to cope financially when changes in their life occur. "By then it is often too late to put the necessary provision in place," he stated, before adding that while financial planning may be a daunting prospect, it is nonetheless essential.

Meanwhile, it is not only the risk of illness or unemployment that might prompt homeowners to get their financial affairs in order. Recent commentary on the state of household finances by SimplySwitch suggested that the cost of living was set to rise over the coming year, with the likes of fuel costs expected to increase as monetary conditions remain tight. Those worried about their current outgoings could consider debt consolidation loans as a means of addressing budgetary constraints.
Prepare For The Future
This summer Pittsburgh Schools Superintendent Mark Roosevelt announced the creation of the Pittsburgh Schools High School Reform Task Force. The Pittsburgh Schools High School Reform Task Force will be comprised of education professionals, private foundations, business professionals, parents, and community members. The Task Force will investigate the current practices in the Pittsburgh Schools and determine what the best approach to high school reform should be. Pittsburgh Schools High School Reform Task Force will be responsible for evaluating and ultimately redesigning Pittsburgh Schools' high schools as part of Pittsburgh Schools' "Excellence for All" reform plan. The "Excellence for All" plan aims to improve the academic performance and increase graduation rates in all Pittsburgh Schools.

The most important goal of the "Excellence for All" reform plan is to increase the graduation rate by 10 percent by the end of the 2008-2009 school year. Pittsburgh Schools High School Reform Task Force will spearhead reform so that high school students will have the opportunities to succeed after high school. The main tenet of the "Excellence for All" reform plan is that all students no matter what their age, experience or background can achieve quality education. The Pittsburgh Schools High School Reform Task Force will evaluate education in high schools based on six main principles. These principles will be used to guide the changes in the high schools: personalized learning environment; academic engagement of all students; empowered educators; accountable leaders; engaged communities and youth and an integrated system of curriculum, instruction, and assessment supports.

Pittsburgh Schools High School Reform Task Force Members and Funding

The Pittsburgh Schools High School Reform Task Force will be led jointly by Jan Ripper, Principal on Special Assignment for high school reform and Dr. Lynn Spampinato, Deputy Superintendent of Instruction, Assessment, and Accountability. Pittsburgh Schools High School Reform Task Force will visit and observe techniques used in nationally recognized high schools in urban centers around the US to determine which techniques would be beneficial to Pittsburgh Schools. Pittsburgh Schools High School Reform Task Force will be funded mainly through a grant of $255,000 from the Fund in Excellence in the Pittsburgh Schools. The Fund in Excellence in the Pittsburgh Schools is a recently created by a local foundation. The inaugural event for the Pittsburgh Schools High School Reform Task Force will be a meeting with renowned educator Dr. Willard R. Daggett, President of the International Center for Leadership in Education.

The current members of the Task Force are: Dara Ware Allen - Executive Director, YouthWorks, Inc.; Seppy Basili - Senior Vice President, Kaplan K12 Learning Services; Dr. Charles Blocksidge - Vice President of Organizational Development/Frieda G. Shapira Center for Learning, Community College of Allegheny County; Susan Brownlee - Executive Director, The Grable Foundation; Honorable Kevin E. Cooper - Pittsburgh District Judge; Joseph Dominic ? Director, Education Program, The Heinz Endowments; George Gensure - Executive Board Member and Staff Member, Pittsburgh Federation of Teachers; Dr. Cecilia Griffin Golden - Chief Executive Officer, YWCA of Greater Pittsburgh; Ruth Howze ? PPS Parent Representative; Rufus Jordan ? Executive Board Member and Staff Member, Pittsburgh Federation of Teachers; Jeffrey Laurenson ? PPS High School Teacher, Brashear High School; Dr. Alan Lesgold ? Dean, School of Education, University of Pittsburgh; David J. Malone - President and CEO, Gateway Financial; Chairman of PA Workforce Investment Board; Dr. Indira Nair - Vice Provost for Education, Carnegie Mellon University; Ronald D. Painter - Chief Executive Officer, Three Rivers Workforce Investment Board; Jeanne Pearlman - Senior Program Officer for Education and the Arts, The Pittsburgh Foundation; Gregory K. Peaslee - Senior Vice President, Human Resources, Construction and Property Management, UPMC; Douglas Silinski - PPS Parent Representative; Linda Serody - PPS Parent Representative; Gregory R. Spencer ? President and CEO, Randall Enterprises, LLC; Former Senior Vice President and Chief Administrative Officer, Equitable Resources, Inc. ; Michael T. Thorson - Former Principal of Creative And Performing Arts (CAPA) High School; Doris Carson Williams ? President, African American Chamber of Commerce of Western Pennsylvania; and Yolanda C. Wilkins ? PPS Arlington Academy (ALA) Teacher; Former PPS High School Teacher
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About Author
Both Abbi Rouse & Stacy Andell are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Abbi Rouse has sinced written about articles on various topics from Personal Finance, Careers and Job Hunting and Diabetes Treatment. Abbi Rouse writes for All About Loans where visitors can apply for . We also specialise in. Abbi Rouse's top article generates over 49500 views. to your Favourites.

Stacy Andell has sinced written about articles on various topics from Education, Politicians and Education. Stacy Andell is a staff writer for Schools K-12, providing free, in-depth reports on all U.S. public and private K-12 schools. Stacy has a nose for research and writes stimulating news and views on school issues. For more on Pittsburgh schools visit. Stacy Andell's top article generates over 40500 views. to your Favourites.
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