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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.

Filling Out Surveys Could Equal Free Stuff! Did you know that you could get great freebies simply by filling out surveys? It's true—while you may not be able to get rich off of filling out surveys, you will certainly be able to get your fill of great freebies. Here are some tips for filling out freebies so you too can get great free stuff. One of the Web's Best Sites for Filling Out Surveys for Free Stuff There are many fine websites that offer freebies. One of the best websites for finding free stuff is known as MyPoints BonusMail. This website operates as a shopper's reward program. It is fast, easy and totally free to join MyPoints BonusMail. What can this shopping rewards program do for you? It is easy, and did we mention free? All you have to do is to fill out the registration form. After signing up with MyPoints BonusMail, you will begin to receive offers in your email inbox. You set your own personal preferences when you sign up about the number of emails you wish to receive on a weekly basis. In order to complete the registration process, you will be asked to take a short survey about your shopping preferences and general interests. You will only receive emails in your in box regarding the preferences you have indicated. The programs works through point accumulation. When you have accumulated a certain number of points, you will qualify for gift cards to some of your favorite retail centers and merchants, including big names like Wal-Mart, Target, Kmart and many others. How do you accumulate points? You get points by making purchases directly through the MyPoints website. You also accumulate points by reading emails and clicking on the promotional links. Finally, you can also gain points by filling out surveys. MyPoints BonusMail is a long-established website that has helped shoppers get something back every time that they make a purchase. Finding the Best in Freebie Surveys Why does filling out surveys often result in free stuff? Filling out surveys is an easy, efficient and relatively accurate way for companies to find out what is on the mind of the general consuming public. Many companies will often offer free samples or products to consumers who are willing to take the time to fill out a full survey. Thus, filling out surveys can be a great way for companies to get some relatively cheap market research done. Don't expect to get rich off filling out surveys, but do expect some kind of compensation, even if it is only a free sample of a popular product. Freebie Sites Are Often a Good Place to Find Freebie Surveys There are many well-regarded websites that specialize in web freebies. If you already have a good spate of freebie websites bookmarked, these sites are wonderful resources for finding legitimate freebie surveys. Many of these sites offer a compendium of the latest surveys and companies offering freebies and product samples. Word to the Wise – Be Wary if It Seems Too Good to Be True If it seems to good to be true, it probably is. This is the rule in life, and it rings true when it comes to the practice of filling out surveys for freebies. Here are some short and easy guidelines for avoiding non-legit surveys. Never fill out a survey that requires you to divulge too much information. You should especially avoid surveys that ask for personal contact information, as the survey may be just a front to gain sales contact information. Is that free sample of detergent really worth getting on telemarketers to-call lists? Be careful to whom you hand over your information.

Following Up on Fallacies about Getting Free Stuff “Free stuff” – the mere whisper of the words is often enough to make many people throw common sense out the window and head for the free goods like a missile to a target. And then there are those people whose eyes glaze over when they hear those words, because they can’t believe anything worth having can actually be free. The truth about free stuff is really somewhere in the middle. Yes, you can really and truly cash in on many freebie deals for things that you want to have, but a healthy sense of cynicism about free gear is also useful. Here are some of the important things to keep in mind about free stuff. The first myth you should throw out the window is that nothing good comes for free. The fact of the matter is that the price tag on a good doesn’t always match up to the quality, and there are many great free things out there. Case in point: music. Sure, everyone has heard the scare stories about file sharing online, and maybe some big record labels will come after you if you focus on their artists. Dig a little below the surface, however, and you can find a whole new world of really great bands that are more than happy for you to listen to their music over and over again. The same goes for free software. People on the cutting edge of technology who have a passion for creating new and efficient applications often develop open source code software. They’re doing it for the love of it, and they often have more talent than any ten suit-and-tie tech guys trying to hock their latest product for a mega profit margin. Here is where the reality part comes in, however. Yes, you can find wonderful things that are completely free – but yes, you can also find a lot of free things that aren’t worth your time at all and in some cases can cause you a lot of trouble. The net is a great place to fall victim to a “free stuff” scam, but you can also sometimes come across these scams in the mail as well. If something is free, but requires you to give your credit card number or bank details, run the other way. Another myth people have about free stuff, especially free stuff on the internet, is that when you try to cash in, the only free stuff you will be getting is an inbox full of more spam than you can handle. The truth about this is, well, that is can certainly be true. Many companies give away free things in exchange for your email address, so they can try to hit you up to purchase things in the future. What makes this a myth, however, is that it can be avoided. If you don’t want to choke on an inbox of spam, and who could blame you, set up a special (free) email account that you will use exclusively for freebie hunting. You’ll have the best of both worlds. The last myth about free stuff involves the “catch” people are always looking for. Often, for free stuff, the catch is a bit of junk mail or email or the fact that you have to submit to a time consuming survey. Sometimes, the catch is that if you get free stuff through a trial offer, if you don’t cancel it, it keeps coming, and this time you have to pay. The truth about these catches is, however, that the catch is in the eye of the beholder. These things don’t make products any less free; so don’t write off every free offer offhand. You might just find a catch you can live with to get a great free product you really want.