Archive | January, 2015

Who’s Afraid of the Big Bad FICO Score?

Published January 27, 2015

Millions are afraid of the big bad FICO Score. It is confusing for most with seemingly subjective rules for scoring. What increases your score? What decreases your score? How long does it take to build? How about rebuild if it has taken a hit? There are as many answers as there are situations because credit is personal. There are a few points that most experts can agree on. Here they come. Pay on time: Everyone, everyone advises consumers to pay on time. There are surprising bills that many do not realize will hurt their numbers: utility bills. We pretty much […]

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What Exactly Is a Copyright? What Exactly Is a Patent?

Published January 1, 2015

If you happen to be a writer or are drinking tons of espresso every night struggling to be one, you should know about copyright. You wouldn’t want anybody claiming credit (even worse, payment) for the hard work you’ve finally completed and published, would you? ..Not after all that Espresso! What Is a Copyright? Essentially, copyright is a way of protecting the original works of writers, authors, song writers, playwrights or any other originally-created work with authorship. These generally include works that are literary, musical, artistic and dramatic by nature and other works that are set in a tangible medium of […]

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