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For that reason, rent a house that costs way below 30 percent of your gross monthly income. So, a person earning $3,000 each month, should keep aside no more than $900 when it comes to housing-related expenses.


You might be wondering what’s so special about 30 percent. Well, you’ll be surprised to know that this is the percentage used by the government to decide who is qualified to enjoy public housing initiatives and programs since the year 1981.

Statistically, households spending over 30 percent on housing expenses become cost-burdened. Those shelling out 50 percent or more of their salary on housing costs are deemed severely cost-burdened.

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A 2015 report from the Harvard Joint Center for Housing Studies found that 21.3 million cost-burdened renters exist as of 2014. So, nearly half of all these people are exceeding their rent capacity.

However, given that so much time has passed since 30 percent became the standard measure of housing affordability, many question the validity of this number. Critics claim it overlooks the variations in household size and cost of living.

Single individuals without dependents might not have an issue paying 30 percent of their monthly income on housing, but a person supporting a family of four might not have sufficient money to get by.

At the same time, a family might think it is worthwhile to spend the 30 percent on rent costs if it means getting closer to better public transportation or better educational institutions.


If you’re undecided on the rent amount, try the 50/30/20 method.

According to this guideline, renters can spend 50 percent of their take-home pay on monthly essentials like utilities, groceries, transportation, and so on.

Then 30 percent of their after-tax money should be used for non-essentials like entertainment. This 30% should also absorb expenses related to important purchases that make your lifestyle better and more fulfilling.

Right from experiential purchases such as a vacation to the Caribbean islands or a wine workshop, to health and beauty products– everything should fit in to this budget. Considering how we’re in a price sensitive economy, this is easily achievable. The trick is to look for specialized retailers that can fulfil your lifestyle product and service requirements at affordable prices.

So, puzzled whether to bring home cool products? Make some space in this 30%.

The remaining 20 percent would then go towards paying off loans, retirement savings and other financial targets. If you can plan the other two portions better and keep on adding to this 20% segment, you’ll be better off by clearing your liabilities sooner than planned.

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Secure and Resilient Societies Global Challenge

A secure society is one that maintains a stable social order in which its citizens, assets and economy are protected.

Societal resilience is the ability to resist, or prepare and recover from adversity, particularly shocks, to maintain that secure state of society. The SRS Challenge conducts research to support the creation and maintenance of integrated social, technical, economic, and political systems that enable societies to be secure and resilient.

The research is conducted in three themes:

Disaster Risk Management
Defence and Security
Population Resilience

The themes are interrelated and are all cross-cut by sub-themes of Narrative and Communication, Sensing and Analysis, and Resource Management.

The overriding characteristic of all three themes is a complex and uncertain environment, in which many heterogeneous systems interact to produce outcomes that are difficult to predict in advance and do not have a fixed end state. In an academic sense, the problems are transdisciplinary; in an operational sense, they are multi-faceted, dynamic and frequently involve actors with significantly different worldviews.

Disaster Risk Management

Recent decades have seen an unprecedented growth in the levels of urbanisation thus making cities at the frontline of global disaster risk. Cities (many of which are located in hazard-prone areas) are extremely vulnerable to the effects of natural hazards (with the frequency and severity of climate-induced hazards being particularly on the increase) and human-induced threats (such as terrorism and crime as well as poor construction practices). It is therefore critical that cities, infrastructure and buildings are developed in a resilient as well as sustainable manner.

The Disaster Risk Management Theme promotes research that not only contributes to the development and operation of the cities but also to the deeper understanding of hazards, methodologies and stakeholders (including the general public) that manage, work and live in these cities – and are affected by disasters. The DRM theme takes a holistic multi-hazard multi-stakeholder approach to disasters and focuses on resilience to shocks as well as ‘slow-onset’ disasters.

The theme includes multi-disciplinary approaches to: anticipation, preparedness, prevention, response, and recovery with respect to a variety of natural hazards and human-induced threats. Areas of particular strength for Loughborough University’s researchers are flooding, earthquakes, chemical and explosive detection, disaster risk reduction for the built environment, and building resilience.

The Theme’s research focuses on:

Defence and Security

The security of society is underpinned by effective defence capabilities, which require the integration of people, processes, infrastructure, equipment, and logistics; usually within highly complex, but reliable systems. The armed forces provide the fighting capability to defend the nation but, increasingly, they support civil resilience through humanitarian aid, counter-terrorism, and emergency response to major disasters. Furthermore, societal security relies on protection provided by civil authorities and other agencies. Increasingly, the boundaries between military and civilian protection are becoming blurred.

Research in this theme includes science and engineering technological contributions to capabilities, human and sociological aspects of defence capability, and systems integration.

Various technology contributions have included autonomous systems, wearable sensors, communications and signal processing, high energy systems, CBRN and toxicology, simulation, battle damage resilience, aircraft control systems, and systems architecting.

Work on processes has covered capability engineering and procurement processes.

Human factors research has included areas such as pilot training and training systems, team composition and performance, development of assistive technologies such as head-up displays, exercise, performance and rehabilitation, motivation, command and control, and human-machine interaction.

The effect of social media on defence and security has also been a feature of Loughborough research.

Loughborough work has contributed to UK defence (government and industry), and to NATO research activities.

The complexity of the defence environment is increasing, so that transdisciplinary approaches are required to deal with hybrid threats. Hybrid warfare is characterised as a combination of conventional, irregular, and cyber warfare that may include both state and non-state actors. The term describes the growing complexity of the current threat environment and the security challenges of the future. Only a transdisciplinary approach can address the intellectual challenges that hybrid warfare poses, requiring the engagement of a wide range of expertise from the technical and social sciences disciplines.

Example of defence projects


So, needless to say, it has been interesting to see the counterpoint to this old adage presented in articles such as Networking Tips for Contrarians and 99% of Networking is a Waste of Time. These piecesbrought up many good points, some of which warrant further development.

Networking is a big part of my job. If I don’t have the right connection with the right person who trusts my judgment enough to interview a candidate I like, then I need to find someone who does. That’s part of the reason we operate as a group.

I can’t be everywhere and I can’t know everyone and, as hard as it is to admit this even to myself sometimes, not everyone is going to like or trust me. So the more people with whom I have a positive, trusting relationship, either my own or by proxy through a colleague, the more our candidates will benefit. It seems pretty simple and it is the reason all of us at Kinney spend a fair amount of time every year on the road cultivating our “friendship garden.”

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Our client is the Houston office or a premier AMLAW 100 law firm with an immediate need to add a productive Healthcare partner to the firm's Chambers-ranked practice group. Particular expertise in False Claims Act engagements is important for this role. This firm has a sizable and growing Houston office with Class A office space, … Continue reading Healthcare / False Claims Act Partner Opportunity

Houston Associate·3 - 5 years·Job # 80933

Our client is a top firm in the Houston market with a partner who is someone with whom we are very close. Without revealing too much, this is a firm where we are close enough to management to get the first call when it's time to hire. In this case, the firm recently brought aboard … Continue reading Mid-level Fund Formation Associate Attorney

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Tuesday, July 3, 2018

The Houston office of global law firm KL Gates LLP welcomes partner Robert H. George and counsel Edmundo de la Fuente to its power practice. Both lawyers join KL Gates from Curtis, Mallet-Prevost, Colt Mosle LLP, where George served as the Houston office’s managing partner.

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