◆ What is Personal Injury?

Personal Injury Law

This field of law deals with cases where an individual claims to have been injured or harmed by another person or entity. Personal injury lawyers handle compensation claims for injuries, diseases, or illnesses caused by using certain products, such as drugs and food, or as a result of accidents or medical treatments.

It's important to note that employment in this field often involves expertise in Wills, Probate, and Trust Laws. These laws aim to protect clients who have suffered wrongful acts resulting in physical or psychological injuries in various settings, such as the workplace or through medical negligence.

Personal Injury Claims

Personal injury (PI) claims seek compensation for harm caused to the claimant due to the wrongful actions or negligence of another person. These civil cases cover a wide range of areas, including:

Road Traffic Accidents (RTA)

Claims arising from road accidents involving cars, motorbikes, bicycles, and injuries from accidents involving insured, uninsured, or unidentified drivers, including whiplash injuries.

Workplace Accidents or Work-Related Illnesses

Claims due to accidents on construction sites, docks, and farms; falls and injuries from handling incidents; accidents caused by defective equipment, lack of protective gear, or poor training and safety practices.

Public Place Accidents

Claims for injuries from slipping or tripping in places like pubs, restaurants, supermarkets, retail shops, and educational institutions.

◆ Mutual Funds

Mutual funds, commonly known as open-ended investment schemes, are funds collected from a number of investors and managed by professional fund managers. Unlike fixed deposit (FD) accounts, mutual funds can invest in various types of securities such as shares and debentures. Like any investment, mutual funds carry some risks, but these risks also offer greater and more consistent opportunities in the long run.

What is a Mutual Fund?

Mutual funds work by collecting money from the public and investing it in stocks. When investors buy shares of a mutual fund, they become owners of a portion of the fund’s holdings, which can include stocks of various companies. One of the main advantages of mutual funds is liquidity, which allows investors to withdraw their shares at any time.

Different Types of Mutual Funds

Equity Funds

These funds mainly invest in stocks and index futures, allocating at least 65% of their portfolio to equities. They specialize in specific areas such as technology, telecommunications, and blue-chip stocks.

Debt Funds

Primarily focused on bonds and Treasury bills, debt funds invest more than two-thirds of their portfolio in fixed income securities.

Blended Funds

By combining elements of equity and debt, blended funds aim to balance risk and reward, providing a mix of growth and stability.

Special Category - Equity Linked Savings Schemes (ELSS)

ELSS funds come with a mandatory lock-in period of a minimum of three years. These funds are very risky because of the potential for significant losses, especially if withdrawn early.

◆ Student Scholarships

Scholarships for International Students in USA 2025: Fellowship, Aid, and Grant Opportunities

Are you interested in furthering your education in one of the most developed and preferred study-abroad destinations - the United States of America? Great news! There are numerous scholarships available for international students who wish to study at an American university. This guide provides an overview of scholarships around the world, with an emphasis on the incentives they offer and the application procedures.

University education in the United States has taken a new dimension, especially with the financial support provided by various universities for students willing to undertake academic programs in the 2025/2026 academic year. These include full and partial scholarships available to international students. They can cover monthly living expenses, tuition fees, accommodation, health insurance, or transport costs.

Notable Scholarships Available

Fulbright Scholarships USA

The Fulbright Scholarships cover tuition fees and other expenses for students who wish to attend master’s and doctoral graduate programs. These scholarships provide full fees, living expenses, accommodation, travel allowances, and medical and healthcare.

Institution: Various USA Universities

Level of Study: Master’s / Doctorate

Stanford University Scholarships

Stanford University in the USA offers full scholarship opportunities for international students to pursue Master’s and PhD programs. This includes training costs such as tuition fees, transport costs, infrastructure, and other miscellaneous living expenses.

Institution: Stanford University

Level of Study: Master’s / PhD

Yale University Scholarships USA

International students can apply for several fully funded scholarships offered by Yale University at the undergraduate, master’s, and PhD levels. Yale need-based scholarships range from $500 to $70,000 per year, with the average need-based scholarship being a little over $50,000.

Institution: Yale University

Level of Study: Bachelor’s / Master’s / PhD