The Difference Between Collecting and Collectibles

I have been to so many homes where entire rooms were dedicated to items these individuals had collected. Beanie Babies, figurines, spoons, hats, etc all displayed so pretty in glass case that ultimately won’t ever amount to anything other than memories. There is a huge difference in collecting and collectibles so before you go out and buy that newest addition to that beanie baby collection, you might want to reconsider.

Collectibles are items that are very hard to come by for reasons such as limited numbers were produced and sold or perhaps they are items that are one of a kind that were never sold. Collections are made by purchasing the next edition to that collection, such as the beanie baby craze.

Millions were produced and then production ended and they moved on to the next edition. This is where you can make your collection even more valuable; by finding the collectables that no one has. Granted, there were probably hundreds of Babe Ruth trading cards at one time, but because that was an era that had no idea of what they had, a vast quantity of those cards ended up in the spokes of hundreds of bicycles across America. Back then we bought the gum and got the cards as a bonus; we paid no attention to their future value. Now, they don’t even sell the gum; just the cards.

Autographs from Famous or even infamous people are true collectible. Even in the early stages of the fame, they will only increase in value. Just as most artists never become famous until they are dead, so goes the autographs of famous people. Always protect your collectible autograph by sealing it and storing it in a safe, dry place, preferably in a safe or deposit box. Sunlight fades the ink and the value decreases.

My picks for the best collectibles are: Trading cards, Old bottles, Indian artifacts , Signed works of art (living or dead) , Personally signed pictures of the famous, Hand crafted furniture, Hand crafted pocket knives, Vinyl LP records (45’s), Vintage Barbie Dolls or even GI Joe Dolls, Tins dating back 100 years or more, Certain valuable coins. These house hold collectable items have shown themselves to be the most popular at giving a significant return on investment. They are collectibles that everyone wants to have but only a few can actually have.

Anything that has been hand crafted that dates back 50 years is something to hold on to. To some, it might be junk. To others, with an eye for detail, such items are priceless and hold great value. Collectibles aren’t always easy to define and harder still to distinguish between the real thing and replicas. You must be educated before you start hunting. There are many excellent books dedicated to informing people as to what to look for and how to spot a fake. My advice to you is this; if you don’t know, find somebody who does before you sell it, buy it, or throw it away.

Will Negative Entries Such As Collections and Charge-Offs Remain on My Report Forever?

Most people are unaware how long negative entries on their credit report such as collection accounts and charge-offs will remain. In this article my goal is to give you a better understanding of how long they can remain on your report and what to do about having them removed as soon as possible.

First of all, these types of accounts do the most damage to your report and that’s due to the way the credit scoring formula looks at these entries. It will look at any account that is considered a “charge-off” or “collection account” and instantly removed a large number of points from your rating.

This is done so that other lenders that look at your credit report are given a “warning” as to what will happen if they extend credit to you as well. That’s the whole idea behind your credit rating…To judge the likelihood you will repay a loan extended to you according to the terms which you agreed to.

Now with that said, that does not mean that this situation should last forever! After all, no one is immune to hard times and in other cases collections and charge-offs on accounts are a complete error due to mixed up credit report information.

In either case, you can take a proactive approach to have these accounts deleted from your report. One of the first ways you can do this is to negotiate with the company. In just about 90% of the time, once an account is considered a collection account the lender is willing to a “settlement amount” which is usually less than the original amount of the debt.

How much lower depends on your negotiating skills but the one important thing to remember here is to also request that the account be deleted from your report as part of your negotiating. Most people have found more success with this approach when dealing with third party collection agencies.

These are the guys that your account is sold to when the original creditor gives up on collecting the debt. Simply request something in writing saying that if you pay the amount they are asking for that the account will be deleted from your report.

According to the law accounts such as collections and charge-offs have a timeline of seven years from the date of last activity. If you have any accounts that have passed this timeline you want to dispute them with Equifax, Transunion and Experian, depending on which of them have the entry listed.

Visit do-it-yourself-credit repair or credit repair services to learn more on raising your credit score 200+ points to get approved for car, home and credit card loans.

Copyright Infringement in the Digital World

Downloading files from the internet is not a crime, but if you download files for free which you usually have to pay for, then there’s a problem. The piracy issue occurs when the copyright owners do not get the amount that they are due.

Piracy is the illegal copying and selling of copyrighted materials, but the common misconception is that people don’t think it matters because no one gets hurt. In reality, the evolution of piracy from burning CDs and DVDs to digital copying has affected the global economy. Pirating a physical copy or streaming illegally affects the livelihood of artists too.

Pirated copies are not always great

Most of the time, illegal copies do not have the same quality as the legal content. A pirated movie may have been recorded on a camcorder at the back of a cinema, so the quality is poor. Its content may be grainy or black and white at some parts. Copies downloaded from the internet on the other hand may suddenly stop at some parts and the sound quality can be very quiet and muffled.

Easy digital access

Downloading directly from the computer has become popular among internet users primarily because of the ease of access. Even with the number of sites that offer legal downloads, there are still file-sharing networks that offer free access to copyrighted materials. And it’s sad that many are active in some form of piracy, either through streaming, downloading, or the old school style of buying counterfeit DVDs.

In any case, piracy costs the entertainment industry. It is stealing from the businesses involved in the art. People must remember that nothing is free. Pirate sites make money through subscription costs or advertising when a consumer streams illegal content. The operators of these sites earn from sharing copyrighted materials that they do not own and have no permission to distribute.

How to minimize the problem?

Having internet service providers get on board in helping fight piracy and detect copyright infringements has always been a struggle. It would require content holders to educate people and private entities to be responsible, make them understand the importance of copyright, and encourage them to support different ways to consume content legally like going to the cinema or subscribing to Netflix and other video-on-demand sites.

Piracy may not be easy to kill but it can be reduced. Besides, with all the latest technology coming out, we only need to keep up. Also, there are entities that help fight piracy with the use of software to detect copyright infringements.

Posted in Law

Personal Injury Should Be Well Taken Care Of

If there is ever a situation where a person is suffering terribly from an injury, disability or in worse case scenarios, even death, mostly due to a careless negligence of an individual, in such cases, the personal injury law covers these instances and extends its hand for help.

A severe injury can cost an individual to shell out a lot of money, sometimes an amount that the individual might not even be capable of paying, if you opt for a personal injury claim in such desperate moments then you are eligible to seek some compensation for the injury you have faced and the payment gets taken care of because of the claim.

Mostly this law covers all the kinds of injury that can possibly take place, these injuries can be of any type. It can either be something that can cause a lot of harm to your body or it can make you face some kind of emotional trauma as well. It can be anything and at anytime and having a claim especially for these kinds of injuries will help you in emergencies.

Be alert and be careful of every step you take.

Let us have a look at some of the tips that can help you get this claim:

• DO NOT DELAY TO GET SOME MEDICAL ATTENTION

The first and foremost step that you need to take when you get an injury is to seek out for medical help immediately and instantly. Do not under any circumstances delay that step because the more you delay it, the more serious it can get, therefore seek out for some medical help as soon as you find yourself in such a situation.

• BE CAREFUL OF THE STATEMENTS YOU MAKE

Be absolutely confident and clear in what you say in the accident scene. Do not say anything that might make the situation much more complicated than it already is or give rise to some kind of a conflict. Be clear in what you have to say and keep it straight when asked about it. This will help in dealing with the process much quickly.

• KEEP A CHECK ON ALL THE EXPENSES

This would include all the bills in the hospital. Be it expense bills; diagnose bills, medical bills or any other tests that you might have undergone. Have a record of all the expenses because it might be asked for when you go to claim for compensation. You can also keep a record of some lost wages that you might have faced due to missing work. Keep a track of everything.

Posted in Law

Three Categories of Family Law Documents

This branch of the law covers all legal matters that pertain to a family. This can include marriages, divorces, prenuptial agreements, adoption, civil unions, property settlement, child custody and visitation and more. To become an attorney that deals with family law you have to first get your bachelor’s degree, attend law school and then pass the bar but if you plan to specialize in family law there are many different specialties to choose from, including adoption, neglect, abuse, divorce, paternity, custody and visitation, paternity, and more.

Marital unions

Under this category marital unions include civil and traditional marriage unions. It rarely includes formal pleadings. The reason is that this area of the progress of family life is less contentious. This means that not many couples at this stage are filing actions against each other. Some of the documents include:

  • Name change forms
  • Certificates of marriage
  • Prenuptial or premarital agreements

These documents may be called by other names in different jurisdictions but they all cover the same area. Some jurisdictions may also enable other types of actions under the category of martial unions but the general concepts as to what is handled by these forms, agreements, and certificates are common in all jurisdictions.

Marital termination

This category is where you will find most of the documents. These documents deal with marital terminations and include divorce, separation, and annulment. One of the parties will initiate a court action to sue for relief. These particular documents will mirror the types of pleadings that are filed. In addition to asking for termination of the marriage the documents can also include replies to the court action filed and any counterclaims. Some of the more common documents can include motions to restrain a spouse from deleting the marital assets, temporary alimony, and court costs. This category of family law documents include all the attachments and forms that are used to establish the marital estate as part of the proof that will be needed to reach an amicable and fair divorce settlement.

Parent-child relations

In this category are the actions that will do the following:

  • Appoint a legal guardian
  • Establish paternity
  • Deal with the issues of support, custody, and visitation
  • Removing a child from a home for cause

The petitions can also include motions to modify an order for child support, and motions for contempt for failure for either party to comply with any prior court orders.

As you can see there are many different documents that a family law attorney has to deal with so that is why many specialize in one particular area although some may practice in more than one area. To be sure which specialty volunteer to work for a family law firm.

Posted in Law

The Do’s and Don’t of Workplace Injury Claims

When an employee is injured while on the clock, they have the option of accepting workers’ compensation benefits through their job. These benefits are meant to help cover the cost of the damages and losses incurred as a result of the accident. This may include lost wages, hospital bills, medical expenses, prolonged therapy, and more. If you were recently injured at work, it is in your best interest to learn what you can about workplace accidents and injury claims so that you may make the right decisions regarding your physical and financial recovery.

If you have not been injured at work, it is still wise to learn these tips so that you are prepared if it ever happens to you or someone you love. Continue reading to learn what you should and should not do in the case that you are injured at work and considering workers’ compensation.

Here’s What You Should Not Do:

Do not hide your injury or fail to report it.

Do not decline medical attention. This can be harmful to you both physically and in terms of filing a claim.

Do not let the company’s case manager into your hospital examination room while you are with the doctor if you do not want them in there.

Do not let the workers’ compensation insurance carrier take too long to approve or deny your injury claim. There are state laws that mandate when they must respond. It is usually within 30 days after the claim is officially filed.

Do not believe your employer if they tell you there is a “minimum period” of employment that you must retain in order to receive workers’ compensation benefits. You are entitled to benefits immediately, no matter your length of employment.

Do not miss or reschedule any appointments that are made by your employer’s workers’ compensation insurance carrier. Missing too many appointments can revoke your right to certain benefits.

When you return to work, do not let your employer place you into a line of duty that violates your work restrictions.

Here’s What You SHOULD Do:

Report your injury immediately, whether you think you need medical care or not.

Demand that a written accident report is made on the spot and be sure to get a copy for yourself.

Immediately seek or accept medical attention.

Retain all paperwork and documentation of your accident, injuries, and medical care. Keep track of all the written restrictions and instructions given to you by your doctor.

If your employer makes any retaliations or threats in regards to your claim, contact the Department of Labor immediately and report the harassment.

If you are unsatisfied with your medical treatment or diagnosis, ask for a second opinion.

If you are denied certain benefits due to a “pre-existing condition”, be sure to protest with the help of a licensed personal injury lawyer.

Posted in Law

Vehicle Tracking Laws

Real-time vehicle GPS Trackers have different laws that vary from state to state. Each state has a different law, so it is important to check with a lawyer to make sure that placement of the GPS won’t have any legal issues.

General laws

  • It is generally legal to use a GPS Tracker if you or the organization own the vehicle that is being tracked, or if you are the owner of the asset.
  • It is also usually legal if you are tracking your child that is under the age of 18.
  • Usually, it is legal to track a car or asset for legal repossession in the event of a loan or default.
  • It is usually illegal to use a tracking device if you are not the owner of the vehicle or if you are tracking a boyfriend or girlfriend in their own car.

Laws in the state of Florida

The state of Florida has tracking laws that can be different from other states.

Florida established a new statute that makes it illegal for somebody to place a tracking device unless you are the owner of the vehicle.

The exception to this law is a parent who is the sole guardian of a child, or if both parents consent to place a tracking device to monitor their child.

Another exception to this law is a person with a disability. This can include an Alzheimer’s patient or somebody suffering from dementia.

Using a GPS Tracker illegally in Florida is a second-degree misdemeanor. This can lead to an excessive fine or up to six months of jail time.

It is very important to verify your state laws prior to placing the tracking device. Each state has unique laws so even though it may be completely legal in one state, it can potentially lead to jail time in another state.

The general rule of thumb is that if the vehicle is in completely in your name, you should be permitted to place a GPS Tracking device to monitor the vehicle. However, if you are placing the GPS Tracker on somebody else vehicle, it is most likely illegal and can result in a fine or possibly even jail time.

Again, these laws are state specific so it is very important to consult a lawyer prior to purchasing a tracking device. The laws are also constantly changing in every specific state in the U.S., and it is important to check your state laws before purchasing and activating any GPS Tracker.

Posted in Law

What Is Tort Law Exactly?

Have you ever done something that was against the rules? Well, torts are something like that; but much more serious. Torts are civil wrong-doings; immoral behaviors and actions against civilians. The law identifies a tort as immoral, and approves it as grounds for a lawsuit. Most often, torts come with severe consequences, like serious injuries and death. These consequences establish a civilian’s right to file a personal injury claim against a wrongful party.

Torts that result in serious injury or death can be punishable by imprisonment; however, the objective of tort law is to acquire compensation for damages incurred by victims and families of victims. In addition, and equally important, intent is to prevent similar wrongdoings from occurring in the future. In fact, victims of tort can take legal action for an injunction in order to inhibit further torturous conduct of the opposing party.

Explaining Torts and Tort Law

Victims of tort can pursue fair compensation for damages incurred as a result of the offence. Exemplary damages include everything from pain and suffering to loss of companionship, and much more; such as lost wages, hospital bills, medical expenses, scarring or disfigurement, funeral expenses, prolonged rehabilitation, permanent disabilities, and much more. Injured victims can also pursue compensation for damages like diminished quality of life and loss of benefits from loved one’s death. Tort law is established to protect injured victims that were wrongfully hurt by a negligent party. Negligent parties can include people, companies, individuals, organizations, products, and much more.

Categories of Tort

There are several individual capacities of tort law that all depend on the type of injury or accident that harms a person. Types of tort include motor vehicle accidents, product liability, assault and battery, sexual harassment, drunk driving accidents, wrongful death, slip and falls, head or brain injuries, dog bites, nursing home neglect, motorcycle accidents, and several other types of deliberate inflictions of emotional or physical trauma.

Every type of tort can be grouped into three separate categories of tort law; these categories are Intentional Torts, Negligent Torts, and Strict Liability Torts. Intentional torts are deliberate, premeditated, and purposeful. Assault and battery, sexual misconducts, and nursing home neglect are some examples of intentional tort. Negligent tort occurs as a result of carelessness and disregard. Disobeying traffic signals and causing an accident that harms another person is an example of negligent tort. Other examples include pedestrian accidents, hit-and-run accidents, medical malpractice, legal malpractice, and slip and fall accidents. Strict liability torts, on the other hand, occur when a particular action causes harm or damage to another person; such as liability for making and selling defective products that are hazardous.

If you are a victim of tort, or was recently injured in an accident caused by the negligence or misconduct of another party, you may be entitled to compensation for your damages. Contact a licensed personal injury law firm for professional guidance and counsel. It is important to take immediate action following a serious injury before the State’s statutes of limitation runs out. An experienced tort lawyer will substantially increase your chances and likelihood of winning your personal injury claim recovering compensation for your damages.

Posted in Law

Things to Know About Domestic Violence Laws in the US

In every household there comes a time that an intense verbal argument occurs for a number of reasons: jealousy, financial problems, sibling rivalry, etc. However, sometimes people may physically assault a family member because they cannot control their anger, want to assert control or may have been verbally provoked. In so doing, the aggressor has committed Domestic Violence.

Whenever such serious matters occur, you may think of seeking outside help either by calling the police or by consulting an attorney. It is preferable to discuss the issue with an experienced legal professional first, since you may have trouble handling the legal ramifications that may ensue following the crime’s disclosure.

The aim of this article is to provide an overview of the most important legal aspects of Domestic Abuse, in a simplified and accessible way and to provide a starting point for more specialized study.

1. What is Domestic Violence?

Any person who physically abused a family or household member has committed the crime of Domestic Violence. Domestic assault is a distinctive and more serious case than Assault and Battery -which involves strangers- and is treated accordingly.

2. Domestic assault can be difficult to prove.

The easiest way to identify an abused victim is by looking for signs of assault on the body (scratches, bruises, etc.). In the absence of such evidence, eye witness’s testimonies are valuable, but are not always available. What adds complexity when evidence is inconclusive, is that it can be hard to prove the crime or ascertain who the instigator was (both parties can claim to have been abused or acting in self-defense and the aggressor could deny the charge).

3. The severity of the assault, the victim and the aggressor’s medical history and potential addictions are taken into account for the sentence.

Simply put, an aggressor who slapped his spouse will be punished more leniently, than one who punched and kicked her. If a child was abused the law is more severe. A person with addictions (a drug-user or an alcoholic), or mental disorders may also be required to undertake therapy.

4. If domestic abuse is reported, it can severely disrupt family relations.

Domestic assault is a serious criminal charge, which means that if the authorities find out about the crime, they are obligated to take legal action, whether the victim intents to or not. The state laws of Virginia dictate that the authorities can issue a no-contact (protective) order, effectively prohibiting any form of communication between the aggressor, the victim and the rest of the family.

5. First time offenders can have their case dismissed or may be judged more leniently.

The guilty party can have their sentence dismissed, if they have never committed a crime before. It is also possible that the state offers a plea bargain to the accused. If the abuser admits guilt before the case goes to court, the sentence can be more lenient.

6. The alleged abuser’s and the accuser’s personality and habits play an important role in court.

A person with a toxic and abusive personality, will have a harder time convincing the court about his innocence. On the other hand, the accuser may have an ulterior motive or may be a habitual liar. All of the above aspects come into play when the case is tried.

7. It’s advisable for both parties to avoid contact after the crime has been reported.

Whether you are the accuser or the perpetrator it is preferable to refrain from communicating between each other, as any form of contact could have a detrimental effect to your case, especially if a protective order is in effect.

Conclusion

Domestic Violence can be a complex and challenging crime to handle. Whether you decide to press charges against an abuser, or think you have been wrongfully accused, you should always consult with an experienced criminal law attorney.

Posted in Law

What Are the Most Common Forms of Intellectual Property?

Intellectual property (IP) refers to innovations of the mind, such as inventions, scholarly and creative works, patterns and marks, names and likenesses used in trade and business. All IP is protected by the various laws in existence locally, regionally nationally, and internationally. Laws exist for patents, trademarks, copyright, service marks, trade secrets and more.

What is a Patent?

A patent is an absolute right granted for an invention, which is a product or a method that provides, in general, a new way of doing something, or proposes a new specialized solution to a problem. To obtain a patent, methodological information about the invention must be revealed to the public in a patent application. The process for obtaining a patent is complex. If you are interested in obtaining a patent, you should first visit this website: The US Patent and Trademark Office. Once you have begun to understand this process and the associated laws you can apply for a patent. However, keep in mind this is a complex process and using an attorney specializing in patents would be the best avenue to use.

What is copyright?

Copyright is a legal term used to illustrate the rights that creators have over their literary and artistic works. Creations covered by copyright range from books, music, paintings, sculpture, films, computer programs, databases, advertisements, maps, technical drawings, and more. Copyright is not a complex IP to apply for and most people can easily complete a form and submit their work. Be sure to visit the Copyright Office online to learn everything you need to apply for a copyright, including fees, what to submit, etc: US Copyright Office.

What is a trademark?

A trademark is a sign which distinguishes between goods or services of one company from those of other companies. Trademarks are safeguarded by intellectual property rights. Trademark protection can be obtained through registration, by completing an application for registration via the trademark office and paying the required fees. The website is the same as for patents.

What is a Service Mark?

A service mark is a mark that distinguishes between services. Businesses use service marks to connect their services and differentiate them from other services in the same field. Service marks consist of letters, words, symbols, and other devices that help notify consumers about the origin or source of a particular service. Registration can be completed at the US Patent and Trademark Office.

What is a Trade Secret?

The Uniform Trade Secrets Act (“UTSA”) classifies a trade secret as: information, including a formula, pattern, compilation, program, device, method, technique, or process that produces independent economic value. These secrets are either tangible or impending, and generally are not known or easily discovered by other persons who might receive monetary value from its revelation or use; and is the focus of efforts that are logical under the conditions to preserve its secrecy. There are two basic situations in which acquiring the use of a trade secret is illegal. If a trade secret is acquired through illegal means or if through a breach of confidence then there is a legal standing for suit. Trade secrets may be obtained by lawful means such as private discovery, reverse engineering, and unintentional disclosure. The trade secret holder’s failure to take reasonable protective measures can allow this to occur. The misappropriation of trade secrets is considered a form of unfair competition. Reverse engineering is oftentimes restricted as found in computer programs.

What is Industrial Design?

An industrial design right is an intellectual property right that shields the visual design of objects that are not purely functional. An industrial design consists of the creation of a model, pattern or composition of a pattern or color, or permutation of a pattern and color in three-dimensional form containing aesthetic value. An industrial design can be a two- or three-dimensional prototype used to produce a product, industrial commodity or handicraft.

What is Trade Dress?

Trade dress is a legal term of art that generally refers to characteristics of the illustration of a product or its packaging or the design of a building that signifies the origination of the product to consumers.

What is Fair Use?

Fair use is any copying of copyrighted material done for a partial and that changes the purpose, such as to comment upon, disparage, or lampoon a copyrighted work. Such uses can be done without permission from the copyright owner. Fair use is a defense against a claim of copyright infringement.

Commentary and Criticism

If you are commenting upon or criticizing a copyrighted work a book review or any valid review, fair use principles allow you to replicate some of the work to accomplish your purposes.

These are the most common forms of intellectual property. If you decide that something you have created falls under one of the categories stated in this article, then you should look into registering the work or product. Be certain that what you are registering is not the same as what someone else has already registered.

Posted in Law