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Can an author claim copyright if a story he wrote is then used as a plan for an actual murder?

...Church and it's ministry. The government should not have the right to decide who gets married. Marriage is a religious precept, not a legal one. The government constitutionally should not have any authority on religous precepts unless they violate the...

In our rapidly changing world, prioritising our health has never been more crucial. Many individuals are turning to organic supplements as a means of nurturing their well-being. In this in-depth assessment, we will go through the organic supplements, examining their nature and their diverse advantages. Understanding Organic Supplements Organic supplements are derived from natural sources […]

The post A Comprehensive Exploration of Organic Supplements and Their Advantages appeared first on Lifestyle Web Log.

As an award winning Eagan Minnesota based photographer and artist, Wayne loves to shoot senior high school portraits, engagements, family portraits and all kinds of fun events. The spring and summer are ideal times to get these special moments captured for posterity but Wayne is not limited to just warm weather. He shoots all yr long in all kinds of interesting and fun conditions.

La Scuola di formazione Infor organizza, presso la propria sede nel centro direzionale Mirafiori di Assago, dal 1° febbraio 2007 al 29 giugno 2007 il master in HR Management . Il Master, giunto alla sua IX edizione, ha l'obiettivo di creare specialisti qualificati nell'area della gestione delle Risorse umane. Il percorso didattico, intende fornire soprattutto conoscenze e tecniche applicative per gestire in modo integrato le risorse umane attraverso la progettazione e realizzazione di piani di selezione e formazione.

L' Istituto di Studi Stoà, in collaborazione con AIDP, presenta ad Ercolano (Na), la V^ edizione del Master in Human resource management. L'obiettivo del Master è sformare una figura professionale di Esperto in gestione e sviluppo delle risorse umane che opera in consulenza per le Agenzie di lavoro temporaneo e per le PP.A.. Il Master è rivolto ad un massimo di 30 partecipanti, laureati in discipline umanistiche, economiche e giuridiche. Esso inizia il 19 febbraio 2006 e termina il 31 ottobre 2006.

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Administra fácilmente tantas cuentas POP3 como quieras.

Top 100 hedge fund managers oversaw $1.8trn in hedge fund AuM https://ift.tt/3jMhIG3

I can’t believe that this topic is being recycled yet again. Hop shortage could result in price rise for beer Another year another hop shortage story. I wrote about this two years ago. How many times is this topic going to be written about. Seems like every year now a different newspaper will run this story using local breweries. I listed stories about hop shortages going back to 2009. Yes it was me in the article in 2009 moaning about not enough hops. You know what I did, I started taking out longer contracts. Guess what? Now my hop shortages […]

The trophies keep piling up for Epic Beer’s Armageddon IPA, which has claimed its fourth major crown in less than a year after it was named best in class at the New World Beer and Cider Awards. And to seal Epic’s position as this country’s leading producer of hop-driven beers, Epic Pale Ale also brought home a trophy for the best pale ale, defending the title it won in last year’s inaugural awards. Epic owner-brewer Nicholas is blown away by Armageddon’s success over the past year. It has previously taken out trophies at the Australian International Beer Awards, The New […]

TIP! Attempt to get ahead of the next day’s work each evening before you call it quits. When you can, schedule your day the night before. Time management is something that more people should really help to improve your life. When you delineate a clear plan of action, you can get lots more done. Procrastination […]

The post Excellent Article With Many Great Tips About Time Management appeared first on Complements For Health.

Mercury in Retrograde was entered in a contest on www.OurStage.com in the Rock Category and within a few short weeks it has skyrocketed to #7 (out of 568 entries). The grand prize winner out of all music channels will win a grand prize of $5,000.  The top 20 in each channel during the last 7 […]

About the benfits of sports massage and the types of massage.

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Use these tips to turn your garage into an at home gym so that you can exercise anytime.

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Discover how former NFL quarterback Tom Brady maintained peak shape using the foam roller. Learn how he used it as a powerful massage tool for injury prevention and faster muscle recovery. Unlock the benefits of using a foam roller.

8 foam rolling exercises using a foam roller to loosen muscle tightnesss and tension and as a convenient, inexpensive piece of fitness equipment for self-massage in the comfort of your home or at the gym.

Discover the influential power of simple habits and lifestyle changes by exploring different ways to manage Type 2 Diabetes without medication.

Ayurveda is rich in self-care practices and medicinal rituals and Abhyanga massage is one of those modalities gaining popularity. Learn what it is here.

Recognizing the role of exercise presents a promising approach to enhancing patient outcomes, controlling symptioms and inproving overall quality of life. Healthcare professionals, particularly advanced practice registered nurses, can tailor fitness programs to meet individual needs more effectively towards a holistic approach to chronic disease management.

Review of plant based oat beverage - a milk, dairy alternative from Bettermoo.

Online Reputation Management (ORM) is a multi-faceted concept which is aimed at building a positive online public opinion of an organization, brand, or individual. This form of reputation management essentially includes addressing any customer feedback or adverse content that can damage the brand, developing and maintaining positive online content, and using proactive strategies to address … Continue reading Online Reputation Management – a way to look after your brand in 2021

The post Online Reputation Management – a way to look after your brand in 2021 appeared first on VSMA | Legal Matters | The Law | Confirm Them | Law Firms.

Information on the evolution and selection of computer memory.

Information on the evolution and selection of computer memory.

Almost any source you looki at will tel you that between 80% and 90% of For Sale By Owners will eventually list their home with a real estate agent. There are a myriad of reasons why this happens but it all boils down to this: agents have the inside track on attracting buyer traffic to the home. They also do it full time so that even when the seller is gone to work, the house is still "for sale" and can be shown.

So, if you find yourself thinking of hiring an agent, which one should you hire?

First of all, consider paying the highest price for a good agent. Interview several of them and then ask them to cut their fee. The one that refuses to is probably your best bet. Why? When it comes to selling your home and getting your proce, you want an agent who is NOT a noodle...someone with a little back bone. If they won't cut their fee and they promise a higher level of service and service quality, then they will also negotiate the hardest in the trenches when people are trying to cut your price on your home.

Second: if the agent you call doesn't answer their phone or call back within a half hour - stop trying to get them. If they don't answer or call back when you try to call them for an interview, what makes you think they will answer calls from buyers for your home?

Lastly, when you are doing the interview and listening to the agent's marketing plan, look for the things that are different. If you talk to 2 agents and they pretty much do the same things... a sign, MLS, and a few ads... keep talking to more agents. What you are looking for is the agent who has a unique approach or ads value by adding unique tools. Agents that use the talking house transmitter or a 24 hour hotline system are some examples. If the agent you hire isn't doing extra things to make your home stand out in the marketplace, you are just going to get the same ole, same ole. Look for something different.

I hear this questions a lot in the daily real estate game, "can you give us part of our fee back after the closing?"

The answer is yes but only if done in a certain way.

RESPA, the Real Estate Settlement Procdures Acts, requires a couple of things that need to be mentioned. The first thing is that payment cannot be made for services not performed. The second one is that if any payments are made, they must be disclosed on the HUD-1 Settlement Statement.

Futher, Alabama License Law, and most states License Laws, require that no "rebate" be made to any party in a real estate transaction from another party. Another section of the code also requires that the TRUE terms of a real estate transaction be diclosed to the lender or lending institution.

What does all this mean? For starters, if your agent says they can give you cash back after the closing, in nearly every case, this is both against case law and the license law governing the licensees in your state. So - in short - don't do it. If you are a participant in a transaction and you recieve cash back later, after the closing takes place, then you are participating in loan fraud. Fraud is a crime. Because the lender didn't know that you were receiving additional cash proceeds from the sale, they are not aware of the TRUE details of the transaction. Alomst every loan program for the purchase of a home has the provision that the buyer cannot receive what is called "cash out" - that is - get money back when they make a purchase. This, in essence, would be overfinancing the home. on a refinance, however, this is okay.

The way to get a credit back from your agent is to have the credit put on the settlement statement as a CREDIT to you and then the credit is applied to any costs you have to pay at the closing table. This applies whether you are buying or selling.

Basic Rule of them: If you can put the cash payment on the HUD-1 settlement statement so that it is disclosed to all parties, including the lender, chances are it's AOK to do it.

By Joe Klock, Sr.

Real estate analysts (and what American is not among them these days?) tend to survey the sea of sale signs in most areas and join the gloomy headline writers who conclude that there are not enough ready, willing and able buyers in the market place.

Not so, gentle reader! The shortfall is among sellers, of which there are relatively few treading water in the aforementioned sea.
"Whoa, Nellie!" you might exclaim (ignoring the by-line clearly displayed above), "any fool, including the by-lined fool, can see that it's buyers that are now in short supply."
In so doing, you might cite the hordes of hungry house-hunters who roamed the house-hunting roadways during the many months of a recently-deceased feeding frenzy, fueled by mortgage lenders with deep pockets and all the fiscal restraint of sailors on leave.
It is a now a fact of real estate life in most areas that their numbers - and that financial fuel - have shrunk like last month's birthday balloons, and it's true that there are fewer prospective buyers rummaging through the current logjam of listings.
Enter the law (not the theory or fantasy) of supply and demand, which dictates that when the number of consumers is dwarfed by a surplus of products, either prices take a hit or activity takes a holiday.
That reality underpins my contention that, while there may be too many homes for sale, there are too few legitimate sellers offering them.
This position is backed up by more than a half-century of experience on and behind the firing line of real estate brokerage, during which I have seen and survived several cycles of inflation, deflation and stagflation, as well as so-called sellers' markets which morphed into buyers' markets and vice versa.
Through all that trauma, certain facts remained unchanged - facts that are being ignored by too many would-be sellers and, sadly, pseudo-professionals. They are as follows:
1. No home in history has ever sold for a penny more than the best offer obtainable from the best buyer available in the then-current market.
2. The only way to determine the true value of a home is to thoroughly and aggressively test the market and challenge the competition. That process need not be a lengthy one, since buyers and their agents do comparison shopping and readily react to an attractive offering.
3. Once that procedure has been pursued, properties remaining unsold for an extended period of time are, quite simply, overpriced. Forget about what similar houses sold for in the past (which is history), or what those would-be sellers might have invested in their homes (which is irrelevant), or what qualified appraisers say they are worth (which are only opinions). The critical test is exposing one's home to the greatest practical number of prospective buyers and active agents, and then analyzing the results.
4. A home that is appropriately priced and effectively marketed, preferably by competent professionals, will ALWAYS attract attention, generate activity and ALWAYS sell for what it's worth (refer to Fact #1 above).
The problem today is not that there are too few buyers. Demand is what it is and neither wishful thinking nor wistful memories will increase its size.
The more serious shortage is of genuine sellers; i.e., those who meet these specific criteria:
a) They are willing and able to accept the best price obtainable from the best buyer available in the current market, and
b) They have something to lose if they don't do so.
"Sellers" who do not fit that mold are not sellers at all and should be encouraged to take their properties off the market. (Realistically, they're not actually ON the market, anyway!)
The market is not always kind, but it is never wrong - and those who believe otherwise pay a heavy price for ignoring "The Facts Of Life For Home Sellers."
FOOTNOTE: For a further dose of this perhaps-unpleasant medicine, visit www.joeklock.com and click on that caption. You have nothing to lose - except, maybe, a pipe dream.
If that doesn't work for you, take two antacids or a short snort and DON'T call me in the morning!
Here's the bottom line - take it to the bank or to any nearby Wailing Wall: When proper pricing is combined with effective marketing, there is a buyer for everything and, given those conditions, any home can be sold in any market.
The ritual dances of negotiation may change with market fluctuations, but the drumbeat of reality does not!

Mike Carraway
Broker/Owner

WEICHERT, REALTORS - Access Realty
1100 East Park Drive, Suite 104
Birmingham, AL 35235
1-800-840-0165
WEICHERT, REALTORS - Access Realty
Valleydale Branch
4500 Valleydale Road, Suite 160
Birmingham, AL 35242
205-995-3939
24/hr Info: 800-634-0511
24/hr Fax: 800-634-0511
www.Access1000.com
www.Weichert.com
www.AlabamaWebPage.com
www.TakeOurTest.com
www.BirminghamRealEstateSchool.com

(Birmingham, AL) The most recent fallout from the mortgage crisis that began last summer is now rearing it's ugly head in the form of Fannie Mae approved loans that cannot get insured by Mortgage Insurance companies.

Mortgage insurance companies, spurred on by recent recommendations in congress, are tightening their credit standards for providing insurance. Without mortgage insurance, borrowers are forced to provide a down payment equal to 20% of the purchase price of a home - something very few home buyers can afford to do. Just this past week, mortgage insurance companies raised their credit score requirement to 620, effectively cutting out 50% of home buyers from the home buying market. The move came unnanounced and without any notice to lenders or to Fannie Mae.

In fact, lenders are still approving loans that meet Fannie Mae guidelines for purchase in the secondary market, but then find, just before closing, that there is no mortgage insurance available to insure the loan. Without insurance on money loaned that is over 80% of the value of the property, the loan is declined. Buyers that have a "loan approval" from a lender should immediately ask their lender if the lender can get their loan insured. Otherwise, homebuyers could spend hundreds and even thousands in the days leading up to the closing only to find, at the last minute, that loan insurance is not available to them.

This move by the Mortgage Insurance companies will only add fuel to the fire that is the current US Housing market. By effectively eliminating more home buyers from the market, at a time when the housing market needs more buyers, not fewer, the mortgage insurance companies have put another nail in the coffin of the housing market. The resulting effect on the market will be an even bigger drop in home prices. The immediate impact of this new policy will be felt quickly in the market, not over time as has been the case with loan defaults, adjusting loan interest rates, and foreclosures.

Be forewarned: if you are a seller, drop your price now before the market itself forces an even larger price reduction. If you are a home buyer, your credit score must be above 620 or you cannot get a loan.

Audiobooks and podcasts have been sky-rocketing in popularity over the past three or four years. In 2019, the number of Americans who had listened to an audiobook passed 50%, a first for the medium. Podcasts are also on the rise, with investments from companies like Spotify and Pandora further encouraging a virtious cycle of audience growth and a broadening pool of podcasters.

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As podcasts continue to grow in popularity, politicians are increasingly using the medium to reach the public without having to go through traditional news media.

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Advantage: Convenience

With podcasting, you do not have to worry that your audience is busy offline when you make your sales pitch. A listener can download the file and replay it at whatever time is convenient for him, even while jogging or driving to work. If someone chooses to subscribe to your podcast feed, he can get any podcasts of interest downloaded automatically. If you want all your employees to hear what you have to say, podcasting is often easier than trying to get everyone together for one meeting.

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The COVID-19 restrictions that many countries had to endure forced many people to seek alternative forms of entertainment. One such form is podcasting which has grown in popularity over recent years. According to the most recent financial reports, Spotify reported that 21% of the monthly active users (MUA) have engaged in at least one podcast in the past month.  Data presented by Stockapps.com breaks down the rise of podcasting.

Spotify Records 5% Increase in Podcast Engagement between Q4 of 2019 and Q2 of 2020

The Joe Rogan Experience – the title of Rogans podcast, was the highest-earning podcast of 2019 with revenue of $30M. In September 2020, Joe Rogan officially began his podcasting contract with media giants Spotify, which will eventually see his entire library of content migrate to the platform. The deal is reported to be over $100M.

Spotify has been expanding its podcasts catalogue as they continue to see strong growth in that particular segment. The rate of consumption of podcasts has been growing by triple-digit percentage numbers for the last few years. In Q4 of 2019 16% of Spotifys monthly active users engage in podcast content, by Q2 2020 that number had jumped to 21%.

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