Online counseling

In order to be productive and get a better understanding of who you are, counseling could be a good thing for you. More and more people are considering it seriously these days in college. What about considering counseling 2.0 aka online counseling? It sounds silly but it’s actually a really interesting option to consider. Today, it might not be that simple to find the right counsel in your home town and you might be looking for some sort of confidentiality. This is a personnal issue and you would prefer that no one knows about your own personal story. Who cares anyway?

Here are the benefits of online counseling:
– You can do it from anywhere: even if you are traveling in France or Japan because you are doing an exchange program at ESSEC or Keio University you will be able to get in touch with your counsel wherever you are
– online counseling can be beneficial: you can chose who you prefer, you can change easily and you can stop whenever you want. You can follow your own agenda
– It’s much more efficient: you don’t have to waste time for trips to meet with your counsel. At the end of day, you can waste a lot of time with that
– You can do it from home: it’s probably a more relaxing experience as you can relax and discuss with your counsel from home. Experience is probably much more confortable as you are in your confort zone
– It’s probably cheaper: considering that you don’t have to go there and meet with the counsel. It’s probably cheaper as the counsel can do it from anywhere and might consider discount pricing
– You can get access to more people and have options: online counseling gives you many more options. You can get access to counsels from all over the world: New York, Boston, London, Paris or Tokyo… Who knows the best counsels might be in Tokyo… you never know!
– You have the time to decide: You can check different counsels, look at reviews, make your own checks and shop around. It’s easier to find out the right counsel for you and it’s not that simple to find the right match.

All in all, internet revolutionizes a lot of things and couseling 2.0 aka online counseling is probably something you might want to consider if you have been disappointed by regular counseling. Give it a try and you might be satisfied this time! Enjoy!

Tenants Insurance – A Guide For Students

With all the excitement of going to university or college and perhaps living away from home for the first time, it’s easy to forget some of the more mundane and practical aspects of life as a student. But as you embark on this important stage of your life, it’s time to face up to the reality of what it would mean if everything you own was destroyed in a fire, or stolen. How would you begin to pay for its replacement?

Whether you are living in a hall of residence, in a bedsit or a shared rented house, you need to take out appropriate tenants insurance to cover your belongings in the event of a disaster.

Tenants insurance policies cover the cost of replacing your personal possessions, up to an amount which is agreed with the insurer at the time you take out the cover. The limit should reflect the actual value of your possessions. It may take some time for you to work out the total, but if you do this accurately you won’t end up paying for a level of cover that is more than you actually need.

Remember that you need to include the value of your clothing, your books and any equipment you use for studying, your computer, audio equipment, television and DVD player and other things such as sports equipment, your bike and anything valuable such as jewellery or watches. Usually tenants insurance policies stipulate a maximum value on the amount they will pay out to replace an individual item. So if you know you have things worth more than this minimum, you should discuss this with the insurance company in order that appropriate extra cover can be added to your policy.

Something else that may well prove to be important to you as a student is that your tenants insurance policy can cover your possessions whilst they are temporarily away from your accommodation. This would apply during those occasions when you go back home to your parents during holidays or go travelling.

As a student it’s highly likely that you will be renting furnished accommodation and whilst the landlord is responsible for taking out insurance on the actual fabric of the building, you may be held liable for any damage you cause to items the landlord has provided in the accommodation. Furniture and appliances such as a fridge or cooker would be included in this category, as well as carpets, curtains and other fixtures and fittings. Tenants insurance can cover you for this liability, up to an amount which will be agreed with the insurer when you first take out the policy. This value is likely to be much lower than that placed on your own possessions, but it’s nevertheless an important part of the cover you need.

There are a number of companies providing tenants insurance policies and you should be able to find something suitable for your own requirements. Historically, it used to be more difficult to find this type of insurance, as companies were more reluctant to cover people living in rented accommodation, especially students. However, as the size of the rental market has increased in recent years, tenants insurance is becoming easier to find and the choice and range of policies available is better than ever.