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Copyright infringement insurance coverage Do You Need Copyright Infringement Insurance Coverage? People are creating more content now than ever: eBooks, blogs, web journals, MySpace Pages, Podcasts. Every where, in abundance, you’ll find people sharing their ideas and opinions, and creating entertainment for everyone. However, with all the resources available to us, how can we be sure that we’re not violating copyright law? Should we have copyright infringement insurance coverage? Copyright infringement is the act of using someone else’s copyrighted material – in any form – in our own use without proper allowances. In order to be allowed to use the material, all we may need to do is ask and give the owner royalties, attribution, or some combination thereof. But, occasionally, it’s easy to forget that we need to ask before we use something without rights. You’re allowed to use copyrighted works in a number of forms – educational and instructional uses, parody, commentary, and news are all forms where you don’t need to ask for use – it’s considered fair use under the copyright law. However, even if you’re using the item of copyright in one of these forms, it would still be wise to inform the owner of your intent before using it. Of course, you should contact a copyright lawyer before using anyone else’s work(s), but to keep yourself safe, copyright infringement insurance coverage may be a good bet for you and your colleagues. Should you have copyright infringement insurance coverage? Although this is a new concept, it is one we should look at closely as creators. A well-known adage “there is no completely original idea” comes into play in our current age – while it’s entirely possible for us to have a thought, and act upon the thought – there may be, somewhere, someone who has created close to the same material as we have, without our knowing. Did we create it first? Did they? Would they be able to sue you for copyright infringement? These are the things to ponder as we create our media – should we have copyright infringement insurance coverage? What is copyright infringement insurance coverage? This coverage would be insurance for covering the cost to settle lawsuits brought in regards to copyright infringement – it would be a small amount of coverage. For example, you would only need around $5,000 to cover the court and attorney fees associated with a case, if a suit were brought against a person. Theoretically, you would only pay under $25 per year and would cover up to the five thousand dollar settlement should a case be brought against you. How would you use copyright infringement insurance coverage? Hopefully, you’d never have to use your copyright infringement insurance coverage. But, it would be there in case a charge was ever brought to you on copyright infringement With so many of us – bloggers, columnists, podcasters – creating our own content, it’s in our best interest to consider something such as this. We may not always get the rights we need in order to use a work, either whole or in part. As you can see, it can be critical to have copyright infringement insurance coverage as a blogger, podcaster, columnist, or other content creator. It’s imperative that we know our rights to use something (or to NOT use something) and what we can do to protect yourself. Copyright infringement can carry a serious penalty, and insurance coverage is a good way to insure that you’re protected from hefty fines. Talk to you current insurance provider and copyright lawyer to find out what you need to do, and what you need to know, to get proper insurance for your needs.

Web Hosting - Free vs Paid Web Hosting Options Everyone likes to get something for free. But as the existence of spam shows, free isn't always good. Sometimes, it's downright harmful. Deciding whether it's worth the cost to pay for hosting involves a number of complex considerations. Hosting companies that offer free services obviously can't stay in business from the money they make from you, since there isn't any. So why do they offer free hosting and how do they make money? Why should you care, so long as you get yours? Because, in reality, there's a price of some kind for everything, even something that's free. Free hosting may come from a company doing a promotion to attract business. They expect to demonstrate their value, then charge an existing customer base fees to make up for what they lost by the (short term) offer. It's in essence a form of advertising. But free hosting is offered by lots of companies that are not dedicated to managing servers for websites. Google, Yahoo and thousands of others provide a modest amount of disk space and a domain name on a server for free. Users are free to do anything they like with it, though if the load becomes excessive you can be shut down. That introduces one of the more obvious drawbacks to free hosting: resource limitations. Typically free hosting offers a relatively small amount of space. That's often enough to host a few dozen pages. But an active site can quickly run out of room. A more serious limitation is load. Free hosting often places strict limitations on the allowed amount of bandwidth consumed. If you become a well-visited site, when users start banging away on the server, you can be asked to leave or simply be blocked for the rest of the month. Or, you may be permitted a certain quantity of total bandwidth use per month. Once it's reached, no one else can reach your site until the beginning of a new month. At the same time, you will certainly be sharing equipment with thousands of other sites. Their load can affect your performance, prompting you to move. Migrating an established site brings with it a number of thorny issues that might be better avoided in the first place. Free hosting has another potential downside: lack of support. When you pay for hosting you typically get, at least in theory, a certain level of support. Backups in case of disaster recovery from a hack or server failure, assistance in analyzing connection problems... the variety is endless. With free hosting you usually get none of that. A company or site that offers free hosting will usually recover a disk or server that fails completely and you'll be back up when they do. But if only selected portions of the drive fail, or you lose a few files through a virus attack or accidental deletion, you have to rely on backups to recover. A free service will usually come with no such option. That may not be a problem if you have a small site. You can make copies of everything at another location and simply recover the site yourself - if you have the discipline to keep it current and the skills to make and restore the copy. Free hosting will typically come with a few email addresses, intended to be used for administration and other tasks. But if your needs grow beyond that, you'll need to seek another option. The email service also comes with minimal oversight. The server may be protected against spam attacks and provide virus scanning. But few free services will provide even minimal help with any issues that arise. But the most serious limitation may have nothing to do with any technical issues. Free hosting services often require that your site's pages carry some form of advertising that pays the host, not you. That may be fine for you, or it may not. Individual circumstances vary. On the other hand, if you're just starting out, a free hosting option can be a great way to learn needed skills and a few of the potential pitfalls. You can set up a site, learn how to maintain and improve it, and not care too much if it gets hacked. Freely hosted sites can be a great platform for learning the ropes. Free services don't usually offer any of the features that an active, commercial site will need sooner or later. So if you plan to grow, it may be reasonable to get the free service for a while, knowing you'll have to migrate when you become popular. But in the long run, you get what you pay for and you may need to pay for what you want.

Explaining How Credit Scores are Used in the Hiring Process You might be wondering why credit scores are used in hiring processes. While you may have never heard about it, it is actually a more common practice than you might think. Companies and institutions such as banks, universities, retail stores, financial institutions across the United States use credit scores to determine whether an applicant is good for the open position or not. Even though you might think that this is illegal, it is not. In general, it is a legal undertaking for companies to look at your credit score. This is yet another reason why you should make sure that your credit scores are good and up to date. So why would they be using your credit information in a hiring process? For some of these companies, employees will be exposed to a lot of money and have a financially responsible position. Your credit information can actually help them determine whether you are a financially responsible person or not. Companies think that if you cannot handle your own money, why you would be qualified to handle their money? On the one side, if you think about it, it is a very valid thought. On the other side, the credit history will not tell the company how you might have gotten all the debt. What if one of your family members is really badly sick or a similar situation? In this case, you have not been irresponsible with your money, but you saved a family members life. You might have been willing to take on all this debt and then work from there. Sometimes numbers are just not an accurate representation of your life. Companies that do use your credit are not only determining whether you can handle money, in some instances they use it as an indicator for your character. It will tell them if you are responsible with your money and finances you are a responsible person. A person that will not be tempted by money or certain situations in a workplace is a person they can securely trust with their funds, their tasks or their great projects. One thing is for sure, the company needs to let you know that they are going to check your credit history in their hiring process and they also need to let you know what they are checking for. The criteria they are looking is the criteria they have to tell you about before you give them the permission. Unless they tell you and have a signature of permission from you, they are not allowed to check and use your credit history. If they miss these above mentioned steps, you do have a case in you hands that you can bring to the court. In some instances, some of the people that were not told about the credit check and have been denied have had a good case in their hands. But as with so many things in life in the United States it pays off to have a good credit history and such a check will not ruin your career moves. Check your credit history every year since once a year the big credit companies do have to give you a free credit report. In the case that you find any wrong or dubious items on your account go ahead and dispute them. Oftentimes companies might just have put a claim against your account that is not really caused by you. Why do companies do that? Money has caused many bad things in the world and a company that wants their money back is going to run after any lead they have. Therefore disputing your case and putting your credit score back to normal can be an essential part in your application and hiring process with some companies.