Basics of Navigating the Digital Millennium Copyright Act (“DMCA”)

Due to the proliferation of the Internet, social media platforms, and hosting websites, online service providers have often become unwitting hosts to materials that may potentially infringe on the copyrights of another. Likewise, original content creators have also increasingly found themselves to be targets of unjustified DMCA takedown requests. Sometimes these takedown requests are made for anti-competitive or harassing purposes by competitors of the website operator.

The Digital Millennium Copyright Act (DMCA) provides a safe harbor in certain circumstances for website operators, who host materials submitted by third parties that may infringe the copyrights of others. If the copyright owner provides a take down notice in compliance with the requirements of the DMCA and the website operator timely complies with its obligations under the DMCA, it may be shielded from liability for copyright infringement. The website operator can adopt and post a copyright policy to facilitate DMCA compliance. A sample copyright policy is below, which requests that a takedown notice including at least the following information:

  • A detailed description of the copyrighted work you believe is being infringed upon description of the location of where the alleged infringing content appears;
  • Your contact information (including name, address, telephone number, and email address);
  • A statement that you have a good faith belief that the alleged infringing use is not authorized by you as the copyright owner, your agent, or by law;
  • A statement affirming that, under penalty of perjury, the information in the notice is accurate and that you are indeed authorized to act on behalf of the copyright owner; and
  • An original signature of the copyright owner or someone authorized on the owner’s behalf to assert infringement of the copyright as well as to submit the claim.

In addition to the policy, the website operator should register an agent with the United States Copyright Office.

While the above identifies a number of eCommerce and internet law issues affecting compliance with the DMCA, an in-depth analysis may be required. For example, the timeliness requirement for the take down has been a hot litigation topic lately. Additionally, the DMCA applies to copyrights only, and does not currently provide a safe harbor for trademark infringement or patent infringement claims. These type of claims stemming from users of the website can be addressed in the Terms of Use or other website agreement between the website operator and its users.

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India – Jewellery Destination and Jewellery Shops in India

India and Jewellery, Jewellery and Indian women are interlinked with each other from decades. In almost every occasion starting from marriage to any event the fashion of a woman is incomplete without teaming up with proper jewellery. Some traditional and some modern styles of jewellery caters to the need of jewellery selection. Not only the affluent class can afford jewellery but there are also low cost jewellery items that cater the wide demand of jewellery in India. While picking up or choosing jewellery in India has lot to do with fashion trends heritage and culture. Different regions and culture follow their unique designs that go at par with their tradition. Kundan jewellery is a renowned art that we can see in Indian jewellery which usually comes from the state of Rajasthan. Almost every small and renowned jewellery shops in India showcases unique styles of Kundan art. Apart from Kundan jewellery Meenakari, the art of coloring the surface of metal to give a gorgeous look to the jewellery is quiet famous in India. Traditional temple style of Jewellery depicting the style of south India is quiet famous.

A married woman in India has to flaunt variety of Jewellery pieces as a part of culture that actually gives the lady a gorgeous look. A pair of toe rings is a symbol of a married lady these toe rings can be of silver or any other material. Apart from toe rings nose ring is also a part in Indian marriages. These nose rings are generally called nath that depicts prosperity of husband. Necklaces are an untouchable part of traditional bridal attire. Necklace can be of different designs. It can be of traditional temple design or it can be of curved design. This piece of jewellery actually is an essential part of bridal or non bridal attire. In any occasion women can flaunt a necklace simple or heavy as per their occasions. Bangles usually worn in the hands to decorate the hands of a woman are also a part of bridal attire.

In India there are a variety of jewellery shops catering to the wide demand of jewelleries. These shops provides almost every type and form of jewellery. Some of the important and renowned jewellery shops in India are P.C Chandra Jewellers, Malabar Gold & Diamond Jewellers, Kalyan Jewellers, etc. Apart from visiting a jewellery showroom nowadays online shopping from portals like Caratlane has become quiet famous among women who hardly gets time after their office hours. To brief out India and its craze for jewellery is inseparable.

Highland Park, CA Homes and Real Estate – A Look at the Numbers

In Los Angeles real estate circles, everyone is talking about Highland Park. Like other Northeast LA neighborhoods like Silver Lake, Eagle Rock and Mt. Washington, Highland Park is in a state of gentrification as new stores and restaurants are popping up on York Blvd. and homes are being purchased and restored. As a result, homes in Highland Park are in demand and prices have steadily risen. But gentrification isn’t the only reason. Highland Park is a wonderful area to call home.

Highlan Park is an amiable historic neighborhood located in Northeast Los Angeles. It is a hilly neighborhood located in the San Rafael Hills along the Arroyo Seco. It is southwest of Eagle Rock and Northeast of Cypress Park. People from many ethnic and socioeconomic groups call this neighborhood “home”. The weather is pristine with the highest monthly average temperature being 73 degrees in the hottest month of July and 57 degrees in the coldest month of December. Highland Park experiences light rain; January receives the highest amount at 4.6 inches total. According to Walk Score, Highland Park is the most walkable neighborhood in Los Angeles with a score of 72. It is very accessible and most errands can be completed on foot. It has some public transportation and is somewhat bikeable with a transit score of 47 and a bike score of 53.

According to the 2000 U.S. Census there were 57,566 residents in the 3.42 square miles of neighborhood. That is an average of 16,385 people per square mile. Highland Park is one of the highest density areas in Los Angeles. Highland Park grew to 60,835 people by 2008. The ethnicity break down was as follows: Latinos, 72.4% Whites 11.3%, Asians 11.2%, Blacks 2.4% and others 2.6%. A larger than average 57.8% residents were born abroad. 55.3% of them were born in Mexico and 12% were from El Salvador. In the male population 52.2% were married, 41.2% had never been married, 4.9% had been divorced and 1.6% were widowed. For the women: 50.4% were married, 33.2% were never married, 9.3% were divorced and 7.1% were widowed. The demographic for never married was among the county’s highest. 14.3% of residents who were 25 and above had a four-year degree. This was average for Los Angeles. 45.1% of the residents were born in a foreign city. This was a high number for Los Angeles. 4.9% of people in the population were veterans; this was a low number for Los Angeles. The average age of residents was 28, which is seen as young compared to the other areas of Los Angeles.

The average household income in 2008 was $45,478, which is an average number for Los Angeles. The average household size was 3.3 people, which is 25% higher than the national average. Renters occupied60.9% of housing units, which is 105% higher than the national average. Owners completed the other 39.1%, which is 58% lower than the national average.

Zillow states that Highland Park’s home value index is $662,800, which is up 13.1% since last year and with a projected increase of 4.3% predicted over next year. The market temperature is very hot and ideal for sellers. The average price per square foot is $582, which is higher than the Los Angeles average of $448. The average price of homes is $652,500, which is 123% higher than the national average. The average rent per month is $2,600, being 22% higher than the national average. The current Market Health is 5.3/10, which is relative to other markets across the country. Highland Park will continue to grow and develop.

Because Highland Park is in a stage of gentrification with rising home prices, it is highly advised for home-buyers and home sellers to seek out an experienced Highland Park realtor who specializes in the area.

What You Need to Know on the Best Loan Rates

How Lenders Determine Qualified Applicants for the Best Loan Rates

A loan’s term is being calculated with the use of a tool known as risk based pricing. Essentially, risk based pricing is a system of analysis that determines the risks you pose to lenders as a potential borrower. Various factors including credit score, age and residential status are several of the measures being used in the final calculation. When you present lower risk as a borrow, you will be offered with a better overall rate.

Unsecured loans are tailored for individuals who look for monetary assistance without utilizing collateral. Any individual, who’s an actual or perhaps a house proprietor, can borrow the quantity below this provision. The sum provided for borrower’s problem is really a minimal quantity of £1,000 and elevated until £25,000. This quantity is catered for all classes of credit score holders having a fixed and brief reimbursement expression. And also the repayment time period is settled in between six months- ten many years at greatest. As, unsecured personal loans are fast to get trigger much less paperwork are adopted. Furthermore, within this chance the analysis of house isn’t carried.

Factors Affecting Your Credit ScoreThere are a lot of factors which can contribute to your overall creditworthiness. Even though this list is by no means exhaustive, a few of these factors include the following:

  • Duration of your credit history
  • Proven ability to manage credit as expressed through credit cards, previous loans and others
  • Amount you owe on average
  • Your tendency to source a new credit

How to Attain Your Exact Credit Score Before You Apply

If you are interested to have a better understanding of your creditworthiness prior to applying for a loan or any type of credit for that matter, there are several agencies that you can get in touch with. Lenders are going to use any of these agencies in order to get a copy of your credit details the moment you apply. But, some of them will be more than happy to render you directly a copy of your file for a nominal fee.

All in all, typical rates have not been designed to deceive interested applicants. In fact, it is far from it. In reality, these are only a means for a lender or loan broker to provide an accurate description of what rate typical customers are likely to be qualified for.

When you understand the mechanism being used for promoting a loan, you also decrease your chances of being disappointed.

5 Ways to Travel Solo Without Going It Alone

Solo travel has become a hot topic. Unlike “single(s)” travel, it is a broader group. It can include those who are single, married or have a partner/significant other. It may be a business person looking to add a leisure weekend or extension to a trip for work. Two stumbling blocks to solo travel can be: I. whether it is lonely to vacation as a “party of one” and ii.whether eating alone, especially dinner, is really uncomfortable.

Now having visited 68 countries and all 50 states, I have found 5 good ways to go alone without feeling you are “going it alone”.

1. River Cruise and Small Ship Cruises

I highly recommend river cruises and small ships. They are especially a good fit for a first time solo traveler. However, they are also great for well-traveled solos in two cases. That is where destinations like Cambodian boat villages are not otherwise easy to reach. Secondly, they work well in places where security is an issue.

Here are the key advantages of such river and small ships for solo travelers, they:

  • Give you time alone but a group for tours and meals
  • Can be competitively priced when compared to a piecemeal approach
  • Make unpacking a one-time chore
  • Work well with land packages
  • Often have discounted package pricing including flights

2. Select your own lodging, and take day trips.

Here are the key advantages of this independent approach:

  • Affords you the opportunity to select your own interests and travel style.
  • Provides more opportunity to interact with local residents.
  • Gives you a “day-off” when you need it.
  • Works with a range of budgets.

3. Combine both of the above approaches.

I really favor this approach when I travel. On solo travel for 17 days at New Year’s, I toured Southeast Asia. I started with a private taxi tour in Siem Reap, Cambodia. I then joined a top Mekong River Cruise on to Vietnam. On the last leg, I had five days in a 5-star hotel in Bangkok. In my last stop, I tried all 3 ways of sightseeing: 1. A large bus tour 2. A private guide and 3. Self-directed subway tour.

This blended approach puts you in the driver’s seat and:

  • Will let you set your own course while being free to pick and choose
  • Gives you a part-time group of travel mates but also time alone
  • Makes it possible to follow a budget (or splurges) tailored to what works for you

4. Sign up ahead for a class abroad.

This has become very popular now for cooking classes in France and Italy. However, for decades, language classes abroad have lured students for short-term or full summer programs. Add to that options for photography classes, skiing and scuba diving.

Here are the key benefits to this approach:

  • Provides you with a ready-made group
  • Gives you a local contact to hear what not to miss off the tourist path
  • Make it possible to connect with classmates for meals or sightseeing
  • Results in providing local contacts in an emergency

5. Join a volunteer group or exchange program.

I have done this twice. My first trip out of the US was at 18 joining 5 other girls on a summer YMCA project in Trinidad and Tobago. It was the best way to learn about day-to-day life in another country and participate in community activities.

The benefits were endless. They included:

  • Meeting local residents outside of the typical tourist path
  • Seeing distant and often more unusual destinations
  • Providing volunteer efforts to communities than may have experienced natural disasters or other hardships.

If you are new to solo travel, take a look at each of these options. You will be surprised how fast solo travel gives you the chance to make new life-long friends from around the world so that you feel you are solo to more.

4 Daily Habits to Adopt for Success in Real Estate & Life

Good habits are the foundation of wealth. If you watch successful people you will see their day is filled with consistent habits that save time, improve focus and ultimately help accomplish more daily. Successful people get up early, learn daily, make lists & set goals and track their progress.

• Get Up Early.

Make the first two hours of your day the most important. It will not only set the tone for the day but will give you a game plan for everything else that follows. These two hours can be used for activities you enjoy such as exercise, meditation or completion of a project or activity from the previous day. The early morning is free from distraction allowing you to do more of whatever you enjoy.

• 20 Minutes Of Learning Daily.

It is important in any business to know what is going on at all times. Trying to master every aspect of the business may seem intimidating but is less difficult if you spend some time on it daily. Regardless of how busy you may be you can squeeze twenty minutes of learning into your daily routine. You can find this time on an audiobook driving to or from an appointment or on the treadmill as you get some exercise in.

• Make Lists & Set Goals.

Success is often easier if you plan exactly what needs to get done. Before you go to bed you should plan for the next day. Tackle the toughest task first and go from there. Planning your goals not only makes you efficient but gives you a sense of direction and purpose. The most successful people in the world have one thing in common, they all say their goals out loud three times daily. This helps to reinforce their direction and keeps them on track in accomplishing their goals. Try it and see how much closer you get to reaching your goals!

• Track Progress.

If you don’t know what is working, is impossible to gauge the results? At the end of every day you should take some time to evaluate what you did to build on your progress. If you failed to do anything, you need to ask yourself why and then develop a new plan to stay on track.

You ultimately control where you go in Life. Changing habits is never easy but is essential for growth. Start by incorporating these four habits into your daily life and see the difference it makes towards your success.

Your Business Needs Steady Cash Flow

The ability to make critical purchases from your vendors, pay down loans, and meet employee payroll has become a common problem among businesses across all industries. Cash flow has always been a major issue with all businesses and without positive cash in your bank your business could fail. By the time a business realizes their cash flow isn’t going to support their payroll, or pay vendors, the owners make rash decisions by going to companies/banks that can destroy their business.

If you realize your business is about to fall into this position, don’t panic. Review your financial situation with your accountant or CPA. But don’t act too fast. There is another option.

So what can you do to avoid this problem?

Before telling you the solution, let’s talk about the 3 things you should NOT do.

1- Bank Loans. If you think a bank will help finance your old or slow paying customers, well they are not.

2- Factoring Invoices or Receivables. Another myth. When companies rely on this method of cash flow, it just reduces your profits. Plus, once your invoices or receivables have been factored, most often this “third” party who now owns them will be so aggressive with your customers to collect the money that it can ruin your business by losing a customer.

3- Collection Agency. If all you want is someone to harass your customers, then call a collection agency. Odds are, they will just irritate your customers with strong-arm tactics that never work and here again you will lose another customer.

What you need is positive cash flow, right? Well you can have positive cash flow and retain your customers by using a reputable company that knows how to talk to your customers in a manner that will actually convenience them to make timely payments without losing them as a customer.

A credit management system can provide effective cash flow by acting seamlessly with your accounting department. This should NOT impact your accounting staff when handled properly. The slow paying customers and poor receivables from your accounting department should be quickly identified and presented to management in a timely manner. It is best you do not use a middleman, or off-shore calling, These will just hurt your business more because your customers know these types of calls who only want to collect the money, not help make a payment plan.

There are many articles to help find a good credit management resource. Do your research and seek out those that have a solid reputation and work with you as your in-house accounting department.

Jean Grey Costumes

Marvel and comic books like DC comic have given rise to superheroes and superheroines. X-Men series, for example, has seen many superheroes and superheroines, and one such character is Jean Grey. The outstanding feature with these superheroes is that they each have a signature dress code or outfit that is specific to them and their style. This, therefore, helps fans associate and even takes part in dressing like their favorite superhero for various reasons, like superhero costume play parties and such.

Jean Grey different Cosplay costumes.

The character has gone through some changes throughout the X men series regarding both the supernatural capabilities and dressing style. As discussed above, the type of costume worn is a representation of their psychic powers. For example, during the split of the X men team to gold and blue side, Jean made a remarkable change, donning in a gold team outfit that is still one of the most popular of her costumes.

The other famous costume is the one she used in the original X men movies where she had a yellow mask, red wig, yellow boots and gloves, a belt with an X buckle and a spandex body suit that was either blue or black; it often would change colors. This is one of the costumes that is up to date loved by many costume players worldwide.

Then came the more feminine costume that is also loved by many, the costume was changed to a cute green dress that man made her look sassy. Most of the other outfits like the yellow mask, gloves, and belt remained.

The Phoenix series Jean’s outfit comes up as a significant part this costumes art, there are Phoenix and dark phoenix outfits that differ in color and phoenix sizes. There is green outfit and a small golden bird at the top in Phoenix, while in Dark Phoenix, the costume is red, and the bird covers the upper chest. These dresses have long gold gloves and boots that are thigh high.

There are other costumes like the X factor costumes where she wore a green body suit that has an X across the upper side of the body, running from shoulder to shoulder.The yellow gloves and boots still are still on.

Conclusion

These are some of the many character costumes of Jean Grey who has gone through tremendous changes all through. Make a decisive choice on what to purchase for your costume play, by researching all the available Jean’s character outfits in the stores.

Searching for a Personal Loan Just Got Simplified

Figuring where to get a loan with the best rates isn’t easy, but it’s still possible even after the credit crunch the United States has experienced in recent years. With a bit of research and persistence, it’s still possible to get a great personal loan. Many loans are still ridiculously high in spite of the Federal Reserve’s influence on rates which they’d hoped would trickle down to each and every loan type product.

It’s smart to know what determines interest rates in order to strike a better deal when wondering where to get a personal loan. A bit of research will help a person learn how to get the best rates on the following:

1. Mortgages

2. Lines of credit

3. Home equity loans

4. Auto loans

5. Credit cards

6. Student and personal loans

About Mortgages

There’s a lot that affects mortgage rates, and of course there are several different types of rates from fixed-rate to adjustable. Fixed-rate are always in relation to the current state of the economy. They are also subject to the expectations of the investor. They usually have long-term interest rates via treasury note as opposed to short-term personal loans that are regulated by The Fed.

ARMs or adjustable rate mortgages are affected by short-term rates. For those looking to find where to get personal loans at the best rates, they should prepare a portfolio that shows stable income, and a great credit score. A score of 740 or more is best. If they have a down payment that will also help, and cash reserves on top of that makes them a prime borrower.

Of course, that doesn’t mean there aren’t great rates for those who aren’t considered “perfect” borrowers. Making a larger down payment or borrowing less money will help get a personal loan, be it for a mortgage or other purpose, that’s a much lower rate.

Another way to reduce rates when searching for where to get personal loans is to pay an origination free up front, or even what are called discount points. This is simply a percentage of the loan amount that helps decrease the interest rate. Of course, this means one will pay more at closing if mortgage related.

How much these points lower the mortgage or rate of the loan depends on the market at the time of the loan. It’s smart to pay points because it reduces not only the interest for the total life of the loan but also lowers the monthly payment. Take into account how long the home will be owned to figure out if it’s a smart move. Most homeowners sell or refinance within 5 years of ownership, to give an idea.

Home Equity Line of Credit

Many prefer to take advantage of a home equity loan in lieu of trying to get a loan elsewhere. In this case, borrowers get money right away and in a lump sum. The loan is set at a fixed interest rate, which allows them to make the same payment every month for the entire loan term.

These type of personal loans are lines of credit that let the borrower take out money periodically when necessary. The interest rate can be different, depending on what is called the prime rate. The borrower may have the choice of making interest-only payments over a set period of time.

In any case, to get the best rate when looking for where to find personal loans, it’s best to be aware of one’s credit profile and secure a loan whenever interest rates are at their lowest.

Competitive rates and flexible terms are a click away, and you’ll have money from trusted lenders deposited directly into an account of your choosing. Applications are free, then fees and loans are up to the individual and the provider.

Organic Hair Salon

This hair salon is one that uses products that are natural-based with no synthetic chemicals. In the United States in order to call the salon organic it has to be certified by the United States Department of Agriculture (USDA) to qualify as organic. The products are safer for a person’s hair because they do not have any chemicals that can damage your hair. These salons are Eco-friendly and are becoming more popular in the United States.

The products that are used in these salons must also be organic certified and includes any dyes, styling products, conditioners, and shampoos that the salon uses.

Even though the organic hair salon offers their customers healthy beauty services with a smaller amount of exposure to products containing chemicals there are some disadvantages with visiting this type of salon:

  • They are more expensive both in services provided and the products they sell
  • The organic products can also be shorter-lived and less effective
  • Many times the hair dyes used are not as potent so their effects can lose color quicker
  • Although the products are organic they can also trigger allergies in people like the synthetic products.

Because using organic hair products are more expensive there are some unsavory people who advertise that they offer hair services that are organic even though they do not properly supply them. Even though they are certified this does not protect customers completely from hair salons that use this practice. Before using an organic hair salon it is best to do a back ground check on their claims to make sure that they are legit. One way to help ensure that the salon is really using organic products is to learn about the qualities and types of popular organic hair care products. If the salon has products on display that are not organic are usually not real organic hair salons. Learn to read the labels so you can spot ingredients that are not organic.

Types of organic hair care product

  • Organic shampoos-these products make use of ingredients found in nature and herbs to help create a blend that will help to remove the excess dirt and oil from your hair. Most of these shampoos contain herbs that will leave a clean scent and remove the dirt and oil form every hair follicle. Some of the herbs used can include aloe Vera, rosemary, and peppermint. All of these are noted for their cleaning action and ability to nourish your hair.
  • Organic conditioners-this product is made with natural materials that help to cleanse and nourish your hair. Often they are made using rosemary, honey, mint, and other essential oils and herbs.
  • Organic hair spray-the common ingredients include extracts, water, and oils.