Intellectual Property Books to Do-It-Yourself and Save Money

Ever though about getting your own patent, or to trademark a name, or register your copyright? Though it was too hard? Then these Intellectual Property books are for you.

These books and resources have been identified as some of the most popular – according to sales by Amazon So if you’re interested in do-it-yourself (DIY) patent, trademark or copyright registration then here are some books that others have found useful and a bit more about them.

Patent It Yourself, 13th Edition

What if that you’ve come up with a really nifty idea for a gadget that would improve the lives of everyone and probably turn you into a billionaire! In that case, you’ll need this extremely detailed and comprehensive guide to the process of getting a patent. It is a bit of a read, but it does have everything you need to know, including a lot of things you probably don’t realise that you actually need to know. It is very detailed, with examples of forms you need, addresses and marketing advice. This is the guide to navigate this complex process from the starting line through to multi-millionaire! The world’s bestselling guide to patenting your idea.

Designing Brand Identity: An Essential Guide for the Whole Branding Team

This covers every situation a professional photographer may face, and includes useful forms and check lists. Expanded and updated for the Internet, this new Third Edition contains over 30 forms, each ready-to-use as is, or capable of being tailored to fit any situation. Photographers will find agreements for wedding, portrait, and assignment photography. It also covers model releases and property, assignment estimates, confirmations and invoices; licenses for internet use; NDA’s – nondisclosure agreements; and a lot more. An accompanying CD-ROM has electronic versions of all the forms, for both Macs and PCs.

The Invisible Edge: Taking Your Strategy to the Next Level Using Intellectual Property

For entrepreneurs knowing how to turn intellectual property into an indispensable source of competitive advantage has often proved to be the key for business success. The authors Blaxill and Eckardt have consulted for companies that work well, are full of hard workers and competent managers – yet they are barely able to make a profit. Conversely, they also have worked in undisciplined, totally mis-managed firms that consistently generate massive profit margins. The key to sustainable profits – effectively harnessing the firm’s intellectual property. This book is about turning those intangible IP assets into an unbeatable competitive advantage. With the good IP and the the correct strategies, companies achieve premium prices, grow market share, realise lower costs, and can generate income directly from the IP itself. Do you want this? The authors teach a new way for businesses to identify their invisible assets, analyze them, and build a real business around them.

Summary

So there you have it – some of the best intellectual property books that provide practical answers and enable you to have a go yourself in getting your own patent, trademark a name, or use intellectual property agreements.

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Energy Efficiency At Home – Creating and Implementing an Action Plan

I’ve written many articles on energy efficiency, and read a lot on it as well. Where I’ve always gotten frustrated are the uncoordinated tips that are given about improving your home’s energy efficiency. “Buy this super duper auto shut-off plug!” “Install CFLs!” “Replace your windows and doors!” If you’re not taking targeted action, you’re not going to be as efficient as you think you are. You have to know where you use the most electricity before making changes, otherwise you’re not spending wisely, and you won’t see the results you want. Below are some tips on how to take a coordinated, rational approach to reducing electricity use in your home. Note that these tips apply only to plug load and lighting. If you use electricity to heat your home it’s best to get a certified energy auditor in to do a full evaluation.

Set a target. Let’s say you’ve determined that your family uses 1200 KWH of electricity per month by looking at your electricity bill, and you want to get that consumption down to 900 KWH/month. Next do a little investigation, making a note of all the items plugged in in your home, as well as the lighting in your home, both inside and out.

There are four ways to reduce plug load consumption:

Unplug,
Use power intermittently,
Replace items with more efficient models, substitution (ie., ceiling fans for central air),
Change family behaviour (probably the toughest action to enforce).
Unplug. Go after the inexpensive, low hanging fruit first. No, not the light bulbs, unplugging gadgets. Unplugging is a no-brainer. Why is your VCR still plugged in? When was the last time you used it? What about that digital clock and old TV in the spare room you rarely use? What about the coffeemaker? If you don’t use the timer and it has a clock, unplug it. Any cord that comes with a DC converter and feels hot to the touch when it’s plugged in should be unplugged unless in use, particularly cellphone chargers and laptops. Those chargers draw power even when nothing’s attached to them. If you’ve done your own plug load electricity audit, you can see on paper just how much electricity you’ll stop using by unplugging gadgets and just how close to your goal the unplugging will bring you. Not only have you not spent a dime to make changes, you’re now paying less to your utility company too.

Use power intermittently. This means put gadgets on timers, unplug cellphone chargers when something’s finished charging. Learn how to program and use your thermostat for both winter and summer. The earliest models were a pain to program, but the current models walk you through programming fairly easily. Schedule 15 minutes one weekend morning and program your thermostat to meet your family’s needs.

Add auto-shut off bars to your gaming stations, computer stations, and anything else that uses a lot of phantom power, such as cell phone chargers. You can plug several cords into one unit, so you will likely only need two or three cords, maybe you even have some already that you bought with good intentions, but just never got around to using properly.

Figure out how many power cords you’ll need, then program the devices to be on for only a few hours a day (why turn on a gaming station before 4 in the afternoon, or even, during the week if your kids aren’t allowed to game during the week?).

If you use your outdoor lighting every night, all night, you might want to consider putting it on timers or sensors so that it only goes on when someone approaches. We only use our outdoor lights when we’re expecting company (or the pizza delivery guy), because there’s a street light outside our home that does the job.

Calculate how much electricity you’d save if items were completely off for 18 hours per day and see how close you’re getting to your target.

Replace items with more efficient models. This is the area where some investment is involved, so you might want to develop a budget and see how much you’re prepared to do and when.

Lighting. In our house lighting counts for up to 20% of our over all electricity consumption, so it’s worthwhile examining where changes can be made to have an impact on overall efficiency. However, I have a confession to make: I hate CFL bulbs. I don’t like the light they cast or how long it takes for them to warm up. They don’t last as long as they’re touted to because (and no one ever tells you this) the more often you turn them on and off, the shorter their lifespan; they’ve got mercury in them, and you just know that some people are not going to dispose of them responsibly so some are likely ending up in landfill. It’s hard to find dimmable CFLs, and finally, I don’t like their shape because they don’t fit with some of my lamps. Harrumph. But I still use them. Not everywhere, just where I have a tendency to have lights on all the time, like in my office, the rec. room, and the kitchen.

Before changing all your light bulbs to CFLs and LEDs think about what really needs changing. Don’t bother replacing bulbs that are rarely used, ie., basement or hall closets, any other rooms/lamps where lights are rarely turned on. It’s not worth the money, and you won’t be saving enough electricity to make a difference. The next time those burn out, replace it with something more efficient. In the mean time focus on the rooms where lights are on the most often. In our house it’s the kitchen, the office and the rec. room. They all contain CFLs (even though I hate them). Not only will you see a significant drop in electricity consumption, but in the summer they generate less heat relieving your air conditioner of some stress too. Of course the corollary of that is that they generate less heat in the winter, so you might be increasing your heating bill slightly.

I like LED bulbs. They’re dimmable, they’re better looking, the light they cast is crisp. Plus, they don’t have any mercury in them. Because they’re still not cost effective for short-term decisions, it’s best to replace lights where they’re used the majority of the time. Invest in good quality ones and they will last the 75,000 to 100,000 hours they say they will.

Appliances. The next time you need new appliances, look for the most efficient Energy Star appliances you can afford. Here’s the thing about Energy Star, in order to be certified, an appliance needs to be at least 20% more efficient than its non-Energy Star counterpart. But there are many, many brands that go much farther beyond the 20% more efficient. Read labels and Energuide information that’s tacked on the front of all models and compare to the brand beside it. European models are so much more efficient than most North American models it’s not even funny – but they’re also considerably more expensive and may be hard or expensive to repair if anything goes wrong. Buy new appliances when you need them, and figure out which one is going to make the biggest dent in your electricity bill (most likely the fridge and the washer).

Note that central air conditioners and furnaces are also Energy Star rated, as are new homes, but not ovens or dryers. If you know how much energy your current appliances use, you can figure out how much electricity a new model is going to save you.

Ceiling fans: There are Energy Star rated ceiling fans too, although using ceiling fans throughout the house will permit you to set your central air conditioner at a higher temperature, or do without it altogether. Ceiling fans consume, on average, about 60 Watts of electricity, versus a central air conditioning unit which uses approximately 3500 Watts (depending on the size, year made, efficiency, etc.).

Change Family Behaviour. If you’ve been watching your family’s and your own behaviour, you’ll have noticed when they leave lights/computers/gaming stations on, the fridge door open, chargers plugged in, etc. Controlling your own behaviour is the easiest and maybe the best way to start is by improving your own habits. Can you line dry some of your clothes more often? Have you set up a centralized cellphone charging station where it’s easy to unplug at the end of a charging session? Have you got yourself into the habit of turning lights and computers off every time you leave the room?

Regarding the rest of your family, doing a few calculations to see how much it costs every time these little actions occur may help, especially if there’s a way to incentivize them to change. If, after a year of behaviour change you saved enough money to treat yourselves to your family’s favourite restaurant, or something even bigger, maybe that would help. Whatever motivates them to think about conserving, you should try. Maybe they can help you brainstorm ideas, if kids take a stake in the decisions, they are more likely to follow through – with lots of reminders, coaching, and encouragement.

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How to Get Bad Credit Auto Loan Refinancing

Usually people with a bad credit record find it difficult to get an auto loan. Most loan providers are reluctant to release a huge amount to people with poor credit rating. In addition, automobile loans for applicants with bad credit will have much higher interest rates compared to normal auto loan interest rates. This is due to the risk of repayment by people with bad credit is much higher.

Nowadays, demand for the credit card and loan is on the rise. The money lenders start to opt for the credit scoring which is based on the mathematical algorithm. This algorithm is designed to assess the credit worthiness of applicant. This credit rating is much effective tool to measure the level of the risk to approve the loan application compared to previous criteria.

If you have higher the credit rating, the more chances you will get the loan application successful. There are some factors like delay in payment, unpaid, etc will certainly deteriorate your credit ratings. There are major three agencies like Experian, Equifax and TransUnion which provide the credit ratings services for you. People with poor credit are still possible to repair their bad credit records. First of all he should take time to review his credit reports which he can get it from reporting agencies as mentioned above. He should examine whether there is any mistake in the credit report. He must check properly to find out any pending payment which is not reported earlier.

If you want to apply for the automobile refinancing, you should select the suitable auto car loan at lower interest. The bad credit auto loan is beneficial to those who have poor credit ratings. Before applying for the loan, applicants should investigate whether the company offers the good interest rates or not. Online bad credit loan service is the best option to apply for your loan refinancing.

Before signing the loan contract, people should go through the whole agreement to avoid any misunderstanding. Furthermore, to apply for the new auto car loan, he must estimate the value of the car also. There is minimum car value required by each loan lenders. The car value should be at least worth that specified value.

Poor credit auto car loan is now reachable easily online. Many loan companies nowadays understand that more and more people do not have perfect credit ratings. Many people actually do not know this bad credit auto loan is actually very popular among car lenders nowadays.

With little understanding of bad credit auto loan, it is possible for you to own a car now. Nowadays, you can find out much lower interest rate auto car loans online compared to you get the bad credit loan from the market. Most of the car loan online lenders will provide application details to let the people with poor credit record also can get the loan successfully.

With automobile refinancing, you can also take opportunity to improve your credit ratings. The secret is choosing the cheapest loan repayment that you can afford and carefully making repayment to the auto loan timely.

In conclusion, auto loan refinancing not only provides you a chance to own your dream car but also giving you a chance to repair your credit records and save more money from higher interest rate you are having. Auto loan refinancing is also much easier to apply for compared to other types of loan. If you are familiar with debt consolidation strategy, this is another good option for your to improve your overall financial status.

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Improve Your Poor Credit Score and Secure Yourself a Loan

So you are thinking of getting some extra money to make some urgent home repairs, the porch door needs replacing, along with a new hot water system. Unfortunately you do not have the money in the bank, but neither do you have a secure porch door or any constant hot water.

Have you considered personal loans? A lot of people take out personal loans for this type of repair. Car repairs and even holidays are used by people with their newly acquired finances. Most people have heard that a poor credit score is not a good thing (However even those that have a poor financial history can still get loans). But how do you make a good rating?

One of thing major pieces of advice from experts, before you apply for finance it is best to get a credit report completed from a reputable source. This will give you an idea of the chance of getting your application approved. In the United States of America there are three levels of credit rating, basically the higher it is the better it is.

An excellent rating is above 760, a good rating would be between 700 and 759 and a poor rating would be between 640 to 699. if you are at the top end, 760 and above then there is no point in making your rating any better. However with other ratings it is worth trying to improve as it will help your chances of succeeding in the application.

There does seem to be a bit of a chicken and egg situation sometimes, you need finance but have a poor score,but to improve you need a lender to give you a chance. Well, luckily there are things that you and your family if you have one, can do to improve your rating.

Having a poor rating does not mean you have to be stuck with it, starting to pay the bills on time instead of late or not at all will start to get you on the right path. Some lenders will still give applicants loans even with a low score, but the total given will be lower than usually and the percentage rate will be considerably higher. So you will pay more over the period of the finance.

Families can help too. If a member of your family has a good rating then some credit card companies can add you to that family members credit card as an authorized user, this will help with any poor credit score. Also having a family member with a good rating co-sign the loan could help you get what you need.

Finding the correct lender for your score is a good way to make sure that you are getting what you deserve, if you have a high score you deserve some of the best deals on the market. Instead of going to your bank or card company you can go online and search for a matching company. Companies like this are a good place go to make sure you achieve the best deal.

What are a matching company and what do they do? You enter your details on their online program and your information will be fed to several of their approved lenders, in turn the lenders will then return to the matching company with a list of loans that they are able to offer.

Once the offers come back it is then up to the applicant to choose one and complete all the necessary paperwork. A check will then be received within a matter of days and your new boiler and door fitted soon after.

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Payment Options for Shopping All the Way

Everyone is busy. Busy in shopping online and in the malls. Popular online portals are breaking and making new sale records! All thanks to the convenience and the availability of easy payment options and funds!

Here are few of the factors that are making online businesses a success

Credit Cards: A credit card is plastic money. It is one of the easiest form in which a person gets a personal loan.

All online portals as well as retailers in malls accept credit cards issued by various banks.
Online payment becomes very simple and safe, thanks to the one time passwords generated for such transactions.
A PIN is sufficient for shopping using a credit card at any retail store.

Personal loans for shopping: When we apply for a personal loan, we don’t have to provide the financier with the details of what we want the loan for.

Thus these days’ personal loans are being used to finance shopping.
They can also be used as wedding loans, vacation loans and educational loans.

Payment Processing: As far as payment processing is concerned, the following factors matter to both the consumer and the online retailer.

Uncomplicated manoeuvring on website: It is important for the payment process to be step-by-step and easy to understand. Most websites work on this section very carefully and thus the online shopping experience is satisfactory.

Processing Costs: Processing costs matter to the retailers. More the processing fees they have to pay to providers of payment gateways like Visa, the lesser are their margins. So to have an effective business the processing costs need to be low.
Number of payment options: Multiple payment options should be available for the customer to make payment. This makes the shopping a convenient proposition.
Time taken to process transactions: Processing time not only tests your patience but sometimes also the strength of your internet connection!

Cash on Delivery: This is also known as “collection on delivery.” This is a very popular mode of making payments for shopping in the developing world.

It enhances impulse purchases.
A credit card is not an essential possession for the buyer.
The buyer can check the quality of the product and then pay

So this festive season, do not hesitate to shop and to gift! The availability of funds for shopping is not difficult anymore. Also the convenience of online shopping has brought various retailers to our doorstep. So let us shop all the way!

An easy way of shopping is using a credit card. It forms an integral part of most people’s financial planning. When used in the right manner, it helps reduce financial liability and optimizes financial resources.

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Are Online Personal Loans Good For People With Bad Credit?

While the rise of online lending in itself makes it more convenient for people to apply for finance, is this development a good thing for those who are already struggling? There are companies out there who charge expensive annual percentage rates (APRs), leaving many people in more trouble than when they first started.

But it doesn’t have to be this way. Over the last few years, online lending has earned itself a bad reputation. The internet leaves many people vulnerable to fraud, so you should always exercise caution when inputting your financial details. The best way to make sure your information remains safe is to find a secure, reliable lending platform.

There is an unfair irony attached to lending today. Those with bad credit are often led to believe they have no financial options if they have made mistakes in the past, often making their situations seem more desperate than they actually are. This can result in people making bad decisions and can lead to borrowing through unstable sources.

Meanwhile, any lenders that do accept you with bad credit will charge extortionate interest rates because of your history, making it more difficult for you to meet your monthly repayment obligations – thus worsening your situation. This is a trap that many people fall into, and it gives online installment lenders a bad name.

However, this doesn’t need to be the case. If you can find yourself a reliable lending platform, you will be connected to a secure network of trustworthy lenders who can offer sensible solutions to your borrowing needs. Many of these lenders will assess your application, even if your credit file isn’t perfect or your income is lower than average.

Instead of (or in some cases, as well as) running credit checks, these lenders will take other factors into consideration, including your income and employment circumstances, and how long you have lived at your current address. They may even ask for references they can contact who will vouch for your character personally.

Even those who receive benefits as a form of income will be able to apply, giving everyone a fair and carefully considered chance of borrowing money. In these cases, applicants won’t be accepted for higher loans than they can afford to pay back, and interest rates will be low, meaning there is a better chance of managing repayments.

If you have poor credit and need to borrow money, consider a personal installment loan, but make sure the APR is advertised between 5.99% and 35.99%. There should also be a number of options in terms of flexible repayment, offering you the chance to pay the money back anywhere between six months and six years, depending on what you can afford to pay per month.

Small, carefully considered personal loans could actually help you build a financial profile making you eligible for better future borrowing. As long as the lender is responsible, and offers reasonable interest rates, online lending platforms can actually give people with more opportunities than many other lenders in terms of improving their situation.

With this in mind, personal loans can be beneficial to those hoping to improve their credit score, but only if some caution is exercised by both parties, and you only apply to borrow an amount you can afford to pay back.

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Five Reasons for Refusal of a Personal Loan

Don’t you wish personal finance were a mandatory course in college? Unfortunately, too many of us learn by mistake. When you need a personal loan and are rejected, you might be baffled as to what went wrong- and how to fix it. Here are some clues.

NO CREDIT

No credit is a situation where you have never used credit and therefore have no credit history for the bank to review. They have no way of making an educated decision on whether or not you will pay back a personal loan based on your credit history. No credit is worse than bad credit. Qualifying for and making regular payments on these types of introductory forms of credit can overcome a “no credit” score:

· Student Loans

· Secured credit card (includes a down payment amount)

· Being added to a parent’s or spouses good credit: card, car loan, etc.

LOW CREDIT

Low credit takes on several forms. If you’re using more than 30% of your allowable debt, it can negatively impact your score. Too many inquiries from shopping around for loans will also hit you hard. Lapses in payment, defaults, or bankruptcies are giant red flags and can take a long time to rebuild from.

Other things that lenders may look at are whether or not you have sizeable assets should you default on the loan. They also check to see if your debts are diversified or if you are only carrying one type of debt.

INCOME

Proof of income is generally required when applying for a personal loan. If you are unemployed or underemployed, it can work against you in the loan approval process. Lenders may also require a work history to see how long you have been with your current employer, and to determine if you typically have job stability. Frequent job loss or change will tell a creditor that your payments may not be reliable.

PURPOSE OF THE LOAN

Believe it or not, your application can be rejected due to your proposed purpose for the loan. Financial institutions have the right to set up the parameters surrounding their disbursements and can accept or reject your application based on what you want to use the money for.

BLACKLISTING

If you’ve defaulted on debt before, your name may be put on a list of whom not to loan to,’ also known as a “Blacklist.” This will follow you around for a long time and is difficult to erase. If you do resolve the debt issues, get documents to prove the resolution.

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How Can A Personal Loan Improve Your Credit Score?

When it comes to a personal loan, you have to first learn to use it responsibly. Because if you miss a repayment, your credit score will be impacted adversely. And remember, that a credit score is an indicator of how well you manage your personal finances. Also, it plays a defining role when you apply for any kind of loan – secured and unsecured. It is suggested to apply for a loan slightly larger than what is needed so that you will be assured to have enough money to pay all bills necessary and still have some money left over to ensure that your bank account stays current.

A credit score can be defined as a number which reflects the financial situation of a person. If the person is well-off when it comes to financial matters, then he or she is said to have a high credit score. On the other hand, if a person is the exact opposite of this, then they possess a low credit score. There are a lot of factors that are considered by financial institutions for the purpose of evaluating a person’s credit score – usually, the credit scores of people vary from 300 to about 850.

A personal loan is a type of loan that is given by digital lenders, banks and credit unions to aid you in your plans, be it starting a small business, or making a big purchase. Personal loans tend to have an interest rate(s) lower than the credit cards; however, they can also be put to use for combining several credit card debts together into one monthly lower-cost payment.

Now, your credit score is built by keeping in mind various parameters from your credit reports. These reports serve the purpose of trailing your history of utilization of the credit across the duration of seven years. These credit reports are comprised of information, including how much credit you have utilized to date, the type of credit in your possession, the age of one’s credit accounts, whether one has put in for bankruptcy or liens filed against them, actions of debt collections taken against them, one’s total open lines of credit as well as recent inquiries for hard credit.

Like any other type of credit, personal loans are very capable of affecting your credit score. This can be done through the process of applying and withdrawing a personal loan. If you are curious as to how personal loans can end up affecting your credit, then read on to find out more about the context. There are many ways in which your credit can be affected by personal loans and some of them are listed below:

The ratio of your debt-to-income and loan

Debt-to-income ratio is considered to be the measure of your amount of income that you spend on the debt repayments. In the case of lenders, the amount of income that you receive is said to be one of the major factors proving that you are able to repay your loan.

Some of the lenders have come up with their own debt-to-income ratio so that their proprietary credit scores may make use of it in the form of a credit consideration. Do not fall into the kind of mindset that possessing a high amount of a loan would hurt your credit. The most damage it can do is raise the ratio of your debt-to-income so that you won’t be able to apply for loans anymore without it getting rejected or denied.

Paying loans on time will make credit scores soar

The moment your loan is approved, you have to make sure that you settle the payments of each month on time and in full. Delay in repayment may significantly impact the state of your credit score. However, on the other hand, if you make the payments on time every month, then your credit score will soar high, leading to an overall good score. This will not only make your name to the preferred borrower’s list, but it will prove to be beneficial for you in the long run.

Since your payment history is comprised of almost 35% of your credit score, paying loans on time is essential in cases like these so that your credit score can maintain a positive status.

Variety is built into your credit type

There are about five factors that are responsible for determining your credit score. These are composed of the payment history, the length of the credit history, the utilization ratio of the credit, the credit mix and new inquiries of the credit in accordance with FICO®.

The credit mix only accounts for about 35% of your total credit score, whereas when it comes to a personal loan you can have a varying mix of the credit types. This mix of all types of credit is viewed at a high level of approval by the creditors and lenders.

Origination fee charged by loans

Most of the lenders end up charging you an origination fee. This fee cannot be avoided at any cost and is instantly taken off from the amount of the loan payment. The amount of origination fees depends upon the amount of the loan you are about to borrow. Late payments can lead to an overdraft of fees and late expenses. Therefore, make sure that you pay complete repayment for each month before the deadline.

Avoiding penalties when it comes to payments

Some of the credit lenders tend to charge an additional fee if you end up paying your part of the loan earlier than the agreed date. This is because they are looking for moderate amounts of interest on your loan. Now, seeing that you have paid off your part of the loan before time, they will miss out on that interest that they could have possibly made if you had not cleared the debt soon enough before the deadline.

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