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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.

Yes, There Really is a Freebie Santa Claus If you are a cynic when it comes to offers of free stuff, you are not alone. Everyone has had notions like “there is no such thing as a free lunch” and “if it sounds too good to be true then it probably is” drilled into their heads, and for good reason – these things often hold water. On the flip side, there ARE actually lots of places you can score some decent free stuff, if you know where to look and are willing to devote some time to hunting them down. The key to getting the best free stuff with the least amount of hassle is to stick with that healthy cynicism but to also dipping your toe in the freebie pool little by little. But why would anyone give stuff away for free? It is certainly an obvious question, but if you stop to consider it for a moment, you can see that companies actually have a lot of motivation to give away free stuff. After all, if they give you something for free, you are bound to have a little soft spot for their company, and when you are ready to part with some cash, their product may near the top of your list. Also, by giving away free things, companies can convince people to try new products. You might not want to try a new kind of shampoo if you have to pay for it, but you’d certainly be willing to give a free sample a try. You may end up loving it and switching to that shampoo for good, turning you into a paying customer. Another reason a company might give you free stuff is to complete market research. This is where getting free things can get a little complicated for some people because the products may not cost you money, but the offer may cost you a little time. A company might ask you to take a survey of your buying habits before they give you a free offer, or they may ask you to provide feedback on a regular basis as you try their product for free. Some people balk at the time commitment required here, but for other people, filling out some paperwork is a small price to pay for some free stuff. Of course, to convert you into a customer or to communicate with you about market research, a company will have to contact you, which is complicated area number two for freebie lovers. You will almost always be forced to hand over your email address in order to cash in on a free offer, and that is a recipe for opening your inbox up to a barrage of spam (many companies sell your email address to offset the costs of their free promotions, which means the number of people soliciting you can go through the roof very quickly). If you want to avoid this downside of freebie hunting, set up a special email address specifically for your freebie deals. That way all of your spam goes to this one address and your regular email you use with family and friends remains free and clear. One final note of caution about free stuff online: a lot of scammers have hit on the idea of using pretend freebie offers to solicit personal information about people or to convince people to send them money. Don’t send money, even for postage, to a company you don’t know and never, ever give out personal information online. No reputable company is going to ask for your social security number or bank account details for a freebie offer, so don’t hand them out to anyone. When in doubt, skip it and move to the next freebie.

Positive Reasons Why Employee Turnover Can Be a Good Thing Employee turnover is the bane of many an organization. If you pick up any business paper, you will find headline after headline screaming about how much turnover is costing companies and how to keep your employees happy and on board to avoid the headaches and hassles of high turnover. The tide, however, is starting to turn. More and more business experts are stepping up and saying turnover doesn’t have to be the end of the world. In fact, in some cases, turnover can be the best thing that ever happened to your company. While some turnover is as bad as traditional wisdom assumes it is, other instances of turnover can be a real positive for your business. How can turnover possibly be a good thing? It all comes down to who is leaving the company, and why. Every office has its workers that are a drag on the business for one reason or another. Maybe the employee is dissatisfied with their job because they have been working it for too long and are overqualified, but they don’t have any room for advancement. Maybe an employee thinks that all of the decisions you are making about the business are the wrong ones and are constantly critical. Maybe the employee just has a personality conflict with the other people in the company and you and other works simply don’t like them very much. When these kinds of employees leave your company, it can be a shot of life into the business. Suddenly, everyone feels hopeful and re-energized because the negative energy in the air is gone. Negative vibes in the office can have a very damaging effect on the staff, and by extension, your business. When the person causing the bad feeling heads for the highway, they take with them all of the problems they created. Not only does the departure of an employee who was causing trouble in the office boost morale for the employees who are left behind because the bad feelings are gone, but it also boosts morale because it creates a job opening within company. If the person who left was a superior to many people in the office, there is now an instant opportunity for advancement. Your workers will step up with their games as they vie for the position, creating new business opportunities for you and generally keeping the spirit high in the office. If you decide to promote from within whenever possible after a turnover, your employees will work harder with the knowledge that they have a chance of moving up. These turnover positives hold true whether the employee in question quit the job or was fired. Who they were in the company and why they left are often much more important in determining whether the turnover was positive or negative. While losing an employee who is bringing everyone else down is a positive thing for your business, losing an employee who was an integral part of the corporation is another. Of course, there are costs involved in a turnover – you have to re-train an employee, and if you hire from outside of the company, you have the costs of advertising the job and the cost of the time spent interviewing candidates. If you are losing employee after employee, and the employees you are losing are the ones who were holding things together at the office, then you need to consider things you can do to reverse the turnover trend. Despite the potential negative side, turnover doesn’t have to be a bad thing for your company. If you manage it properly and if you are dropping employees who have been bringing your business down, turnover could be just the thing to turn your fortunes around.