Where you live makes a huge impact on the quality of your student experience. The friends you make in the first year are frequently the ones you keep, and where you live plays a large part in meeting them. Accommodation is expensive; it is difficult to over-estimate the impact of your accommodation on your total student budget. Refer to Budget Serviced Apartments Chapel st. Melbourne for more information.

Most universities house you for the first year - although some have very little accommodation and a very few universities (for example, Oxford and Cambridge) house almost all students for their whole course. There may be university halls (on or off campus), university-owned or managed local houses or other properties, some universities sub-contract student housing to a private company, use local private halls or private-sector housing - or a mixture of all of these.

University Accommodation
Go for living in university housing if you can. Standards and rents vary but it is easier to make friends, you have more clout with the landlord and it may be closer to the students’ union and teaching areas.

What is Available?
Usually you have a choice of rooms in different halls at different rents. Traditional halls are based on corridors; modern halls are usually clustered in flats and some rooms may have en-suite bathrooms (although the rent will be higher than for a shared room in a 1960s block). Most university accommodation is self-catered but catered halls are an option at some universities.

Check the university profiles in the University Search for a summary of what each university offers and the university website for detailed descriptions of each hall of residence. Go and see the accommodation you are applying for, if at all possible. And find out what is supplied before you arrive and what you need to bring for example, your own bedding.

How much will it cost?
From around 55 pounds a week for something basic in a cheap area, to 120 pounds per week for an en-suite room with broadband connection in swish new halls somewhere pricier. The university profiles (see the University Search) tell you how much (roughly) it costs at each university and, crucially, how many weeks your contract runs for.

You may have a term-time contract (perhaps having to move out over the Christmas and Easter vacations), which is fine if you have a home to go to in the holidays. Other contracts are for the 36-40 weeks of the academic year (best if you want a base for most of the year and plan to travel in the summer). Some are for the full 52 weeks - a must for those with a family or with no other home but a great waste of money for others.

How do you apply for student accommodation?
It usually involves filling in yet another form - increasingly online. And you may be asked to write a short personal statement or answer questions (for example, about your interests or whether you smoke) so the accommodation office can attempt to group compatible students together. Make sure you get your application in well before the closing date - some accommodation is allocated on a first-come-first-served basis.

Private Accommodation
In some cities with lots of students, there are commercial student halls managed by private companies for example, Unite. They are usually central and purpose-built, and you may share with students from a number of other universities in the city. Go to Serviced Flats for more information.

Renting a student house/flat
When you need to rent privately, the university accommodation service will almost certainly help and, if you are lucky, may also have vetted the accommodation on its lists. Colleges without first-year accommodation sometimes organise ‘housing days’, where new students come and meet each other and local estate agents to sort out house-shares. There is much information about local prices on our university profiles; also look at some of the national websites covering major student cities (studentpad). (accommodationforstudents); and for London, try the joint London universities’ site, studenthousing.lon.

Cheap rented accommodation is harder to find in leafy suburbs or holiday areas (where term starts before the holidaymakers go home). Self-catering accommodation is usually cheaper, so long as you know how to feed yourself cheaply. Remember to add in the travel costs when assessing rents (no point in something dirt cheap if it costs a fortune getting to lectures).

There is a lot to think about when looking at accommodation (and you must look). Here are a few
pointers to start you off.

- Security - is it in an area where you will be able to get burglary insurance; is it on a bus/tube route; and will you feel safe walking home from your nearest stop?

- Electricity/gas/water safety - sockets, pipes, wiring and appliances - do they look safe and regularly serviced? Particularly look at gas water heaters and fires; landlords now have to have gas appliances serviced annually and provide you with proof of this. (If you are concerned about a gas appliance, the Health and Safety Executive runs a carbon monoxide advice line, 0800 300 363 or via the website)

- Fire safety - smoke alarms, exits, windows and doors.

- Damp - any sign of it? Ventilation.

- Vermin and pests - signs, smell etc.

- TV licence - has it been paid? If not, it is legally down to you.

Get yourself sorted before the start of term if you possibly can; you will be at a long-term disadvantage if the course starts while you are still sleeping on friends’ floors.

Living at Home
If it’s close enough, it will almost certainly be cheaper to live at home. But you may miss out on some of the social facilities and be less involved in student life. You should move out if you do not have proper study facilities - a room of your own as a start.

Buying
Some mortgage companies have special packages for students who can afford to buy a flat or house and sublet rooms. You may need a parent to act as guarantor. Alternatively, some parents find that buying a house or flat is the most cost-effective way of making their parental contribution.

Squatting and other options
If all else fails, renting a caravan can be an option in some rural areas. Or you may be able to join student squatters (except in Scotland); whilst still legal, the law needs watching. You can get a copy of The Squatters’ Handbook and advice from the Advisory Service for Squatters (squatter org). You can also visit the Squatters Advisory Centre which is in Whitechapel, London. They will be able to give you good advice and help you find other people who are squatting too. Visit Serviced Flats for more information.

A Prenuptial Contract - Things You Need to Know

A prenuptial agreement, antenuptial agreement, or premarital agreement, commonly abbreviated to prenup or prenupt, is a contract entered into prior to marriage or civil union by the people intending to marry. Usually a prenup provides for division of property and spousal support in the event of a divorce.

Prenuptial agreements set out before marriage how the wealth and assets of both parties will be split in the event that the relationship goes down the toilet.

Many countries, including Canada (Quebec), France, Italy, and Germany, have matrimonial regimes, in addition to, or some cases, in lieu of prenuptial agreements.

As of 2007, England and Wales do not enforce prenuptial agreements, but agreements may be upheld at the judge’s discretion. These countries also do not have a provision for marital regimes.The times they are a changing. There has been a “sea change”

The Crossley case in the UK now highlights the fact that premarital agreements are being recognised in the English courts and, if properly constituted, are difficult to wriggle out of. In the past prenups were perhaps entered into in the hope, rather than belief, that they would be binding. Now they offer real protection.

Courts “are looking closely at prenuptial agreements and want good reasons — such as children or significant changes in a person’s circumstances — to depart from them”.

So who should go for a prenup? They are suitable for a wide range of people, including:-

• international clients used to prenups in their home jurisdiction
• second-time rounders, in their forties and fifties, who want to provide fully for children of the first marriage and protect their own assets (sometimes against gold-digging former husbands when they meet someone wealthy)
• gay and lesbian clients who may have cohabited for years and now enter civil partnerships
• and those not necessarily “mega-wealthy” who favours “self-determination” and taking control of how financial issues might be resolved on divorce.
• business men and women used to binding agreements in their working lives
• professionals, young City entrepreneurs in their twenties making money through work, skill and some luck

Marriage and civil partnership are a huge commitment, and people find that using sensitive lawyers, often with a mediation or collaborative background, the whole process can be part of marriage preparation in thinking about and deciding together — rather than having unintended legal solutions imposed on them.

So if prenups are such a good insurance policy, why not make them legally binding?

With hundreds of millions of dollars at stake, Hollywood stars are not inclined to risk it all on what might be a very short and misguided marriage followed by a very expensive divorce.

Of course it is not only Hollywood stars who need to think about prenuptial contracts - Paul McCartney and Heather Mills famously signed no prenuptial agreement and rumours are rife that this acrimonious split could potentially see Ms Mills walk away with over

The city of Berlin hosts 153 museums. You can find some of them in the so-called the “Island of the Museums”, which has been declared a World Heritage Site by UNESCO and it is located in the northern part of Spree Island, between the Spree and the Kupfergraben. Already in 1841 it was named “district dedicated to art and antiquities” by a real decree. Altes Museum (Old Museum) in the Lustgarten, which showed the queen Nefertiti’s bust, el Neues Museum (New Museum), Alte Nationalgalerie (Old National Gallery), the Pergamon Museum and the Bode Museum were therefore erected there. The names of the buildings didn’t necessarily match up with the content of the collections which they were displaying.
Outside the Island of the Museums, there are many others. The Gem