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Evaluating your Free Offers of Stuff Getting free stuff can be a lot of fun, and for many people, the hunt for freebies is as fun as actually enjoying the free products themselves. There is a dark side to freebie offers, however. Many scam artists have come to realize that pretending to offer free things is a great way to trick people into handing over sensitive information about them than can be used in identity theft operations or even bilk them out of cold, hard cash. For that reason, it is important to make sure you know how to stay out there when you’re looking for free offers. There are some things you can do to make sure you freebie hunting only brings you good times – these common sense rules are a great place to start. You’ve heard it a million times before – if it sounds too good to be true, it probably is. The reason you have heard it so many times is that it almost holds water. Think about the reason that companies give away free things. They’re usually not doing it for charity. They want you try to their products in the hope that you will come back to them as a paying customer in the future, and they’re doing it to build good will for their company over all. They’re definitely not doing it go broke. So consider whether the freebie offers you come across make sense according to these criteria. Does it make sense that a company will give you a free bag of their new flavor of chips or a trial size jar of their new face cream? Sure it does, because if you like it, you may buy these products in the future. Does it make sense that a company will give you an all expenses paid, two-week first class trip to Bali for you and ten of your friends? Not so much. Don’t waste your time on these too good to be true freebies – they may end up costing your big time in the long run. By the same token, the more outlandish an offer sounds, the more you have to look for the small print. Sure, maybe the hotel chain is willing to give you a free weekend in their beachfront hotel. The small print in the offer might say that you have to agree to spend 10 hours a day at a sales seminar or that the free weekend is yours after you pay for a two week stay. One particular airline ran an offer for a free coach class plane ticket from New York to London. The small print said you had to buy two, full price first class tickets on that same route before you could get the free on – at a cost of around $8,000 per ticket. Before you jump, make sure you get all of the details. Freebie offers that actually require you to shell out some money are very tricky. Sometimes they are legitimate – after all, if you are accustomed to paying full price first class airfare, a free coach class ticket can be a real score. But many times, when you have to pay to get something for free, that is a red flag that a scammer is at work. You should never send money, even for postage, to a company that you don’t know. Also, keep an eye on the costs for things like postage even if you do know the company name. If they’re asking for $50 postage to send you a free magazine, then you know something is up. Lastly, beware giving out too much personal information. There’s no reason a company giving away free shampoo needs your bank account details. Protect your private info and if you’re unsure, move on to the next freebie offer.

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.

Let your Resume Speak Volumes for that Next Big Job Before you even get through the door of any job interview, there is already one document that has done the talking for you – your resume. A good resume can mean the difference between getting the call of the interview and waiting by phone, and a well written, thoughtful resume can make you stand out over and above other applications with similar skills and work experience. Let your resume give you the edge on that next big job by following a few simple tips. When you sit down to write your resume, you need to plan it out before you start typing. There are two main formats for a resume: the chronological format, in which you simply list your job history, starting with your most recent or current job and moving backwards, and the functional format, in which you highlight your skills and experience rather than specific jobs and specific employers. The chronological format is definitely the most common, and many employers prefer this kind of resume, but choose the format this is going to show off your skills in the best light. If your work history is a choppy and a chronological format resume would only draw attention to that, use the functional format. The key is to choose the format that will give you the best chance of getting noticed for the job and to stick with the format throughout your resume. No matter which resume format you choose to use, the top of your resume should always include your name, contact information and work objectives. Name and contact information is pretty straight forward, although experts do recommend that if you have a “gender neutral” name that you include a helpful “Mr.” or “Ms” to clear up any confusion. Your work objectives should be your career goals. For instance, if you want to manage a small team of sales people, then say that, so your potential employers know that you are moving in a certain direction with your career and not simply apply for jobs willy-nilly. After your work objective comes your work experience. List your jobs in reverse chronological order. Instead of simply creating a bullet pointed list your work related tasks, look for a way to frame all of your responsibilities so that they sound like you showed leadership and problem solving capabilities. For instance, if you were in charge of keeping the expensive accounts in order, say that you were in charge of troubleshooting monthly expense account records, saving the company hundreds of dollars every month. If you have a few blips in your work history, be clear about what you were doing in the downtime. If you were raising children, traveling, or in school, say that you were. If you weren’t really doing anything, put as positive a spin on things as you can without lying. Never leave gaps in your work history unaddressed on your resume. After your work history, it is time to list your education credentials. If you didn’t finish a degree, say how much college work you completed and highlight any coursework relevant to the job. If your college degree or post grad work is in progress, say when you expect to be finished. This is another place where gaps matter. If there is a gap in your education history, again say what you were doing in that time, referring back to your work history where appropriate. You can overcome these gaps as long as you don’t pretend that they don’t exist. Round out your resume by listing any awards and professional memberships you may hold. Don’t get into your hobbies unless they are specifically related to the position for which you are applying. Personal details like religion and race have no place on your resume and you are not required to disclose your age. Instead, let your experience do the talking.