Nintendo’s Draconian Stance Against System Modification

Nintendo is one of the most creative and innovative video game companies in the world, but their stance against modifications of their products is nothing short of Draconian. In short, Nintendo says there is no legitimate purpose for game copying devices, emulators, and modification (mod) chips or other devices that enable homebrew applications. Sony and Microsoft have similar stances, but are a little more discreet in expressing their disdain for such devices, though no less aggressive in filing lawsuits against large-scale distributors of such devices.

Nintendo’s own legal information FAQ states, “Mod chips circumvent the security embedded into Nintendo’s products. To install the mod chips into a Nintendo hardware system, it is necessary to dismantle the product and, in some instances, remove components.” Nintendo automatically equates using mod chips with circumventing security of NINTENDO’S products. This is an interesting view considering most of us believe that once we buy a product it is now OUR product and not the manufacturer’s. Can you imagine a car manufacturer asserting similar claims? Ford could claim that changing out the computer chip in your car circumvents the security on FORD’S product. However, most of us believe that once you pay for a vehicle it is yours to alter in most any way you choose. Nintendo claims exceptions for video game consoles that few other companies would dare claim. Nintendo claims that even though you bought the product, it still belongs to Nintendo and that altering it, no matter the reason, somehow damages Nintendo. They want the very act of altering the device to be illegal even without proof of criminal use of the modified product.

Just because a game system modification enables illegal activity does not mean it will be used for the purpose. Using the car metaphor from earlier, just because I could modify my Ford vehicle to greatly exceed the speed limit does not mean I will blow through a school zone doing 88 mph. Just because I modify my Nintendo game system does not mean I will use it to illegally copy and/or distribute games.

In almost any area outside of the video games industry, making a modification to your property would not be illegal, even if that modification could enable the performance of an illegal act. Nintendo acknowledges only one use for these devices, and that is the illegal copying and distribution of video games. This view discounts the numerous legitimate uses for modification devices. For instance, many people use their Nintendo handhelds to read classic literature. This requires the use of devices Nintendo claims are only used for piracy.

Making it illegal to modify a product you paid for is absurd. Unfortunately, if Nintendo has its way, you will pay for a device and not legally be allowed to use it for anything for which Nintendo does not approve.

How a Loan Modification Can Help You

Today, lots of people endure financial trouble. Instead of trying to pay it on your own, hiring loan modification lawyers might be the best alternative for you. It may well result to faster loan modification.

What do loan modification lawyers do? First, they’ll analyze a person’s case in its entirety. They’re going to try to find any flaws within a person’s case. The attorney will then try to leverage these flaws with the lenders in the course of negotiations.

Loan modification lawyers do a variety of tasks. Apart from detailing the fee structure of his or her services, they ought to be able to interpret the results, clientele see from their loan modification cases. An attorney also needs to be in a position to lay out an expectation plan about the loan modification process. Never forget that a consultation should not be charged on a client’s bill. Be mindful from fake claims. This may lead to a tighter position in your loan modification.

Loan modifications lawyers can lessen your interest rates, repayment term, and financial aid together with the overall monthly expenses. They can also re-amortize a loan to include past payments. Occasionally, loan modification lawyers can waive the overall interest accrued from any unpaid dues.

Attorneys usually have considerable experience with a variety of processes concerning negotiations. Same is true with settling with your money lenders. Apart from understanding and interpreting complex legal contracts, loan modification attorneys have the capability to arbitrate tough issues. Also they are knowledgeable about the legal procedures and state laws.

Normally, creditors are wary of lawyers and favor concluding the negotiations quickly. Attorneys will help the borrower save time by speeding up some of the legal formalities and eliminating red tape.

Federal loan modification plan provides more choices than obtaining a fresh credit loans. Here are a few things to remember though, when dealing with such situation:

– Ensure that you’re negotiating with a reputable loan modification company. Verify the experience and credentials of the individual you are dealing with. Ensure the authenticity as well.

– It is also critical that any firm/company or group you deal with should have clarified all of the options – payment and status.

– Invest your time in research. Look at all possibilities and know the fees you are being charged for employing the services.

– It is better to avoid someone who asks for finances in advance.

Most often, we aren’t aware about the actual regulations and rules in addition to the formal and legal procedures, which are important before getting a loan modification. So, it is best to take help of experienced and well skilled loan modification lawyers and simplify the process in a faster and effective way now.

Imelda Dilick is a business owner who inquired about loan modification attorneys and loan modification lawyers.

Unit Trusts And Open Ended Investment Companies Collective Investments

Unit Trusts and Open Ended Investment Companies Collective Investments

Unit trusts and Open Ended Investment Companies (OEICs) are types of collective investments. In a collective investment, each individual investment is pooled with every other individual investment and then invested as a whole by the manager of the investment.

Different unit trust and OEIC funds invest in different asset classes – shares, bonds, cash and property. Some funds focus on just one asset class, while others invest in two or more. Irrespective of the asset class or classes they invest in, most fund managers will hold a wide spread of investments in their chosen asset class. That is one of the reasons why unit trusts and OEICs are popular with investors spreading investments across a range of businesses can help reduce a funds volatility and the risks for its investors.

Although unit trusts and OEICs are both open-ended investments, where the size of the fund varies according to market supply and demand, there are a number of key differences between the two types of funds.

Investors in unit trusts buy and sell a portion of the total fund in the form of units. The price unit holders initially pay for units (the bid price) is higher than the price they can sell the units for (the offer price): the difference between the two prices is known as the spread. In order for unit holders to make a return on their investment, the closing bid price must always be higher than the opening offer price. An OEIC fund on the other hand, does not trade in units but issues shares to its investors and is therefore an investment company – a less complex entity than a unit trust. Shares in an OEIC have a single price, which is determined by the value of the fund’s underlying investments. All shares in an OEIC are bought and sold at one single price, so theres no bid/offer spread to take into account.

The value of an investment in a unit trust or OEIC will vary according to the total value of the fund, which is determined by the performance of the investments the fund manager makes. Unit trusts and OEICs usually impose an up-front charge and annual management fees, some of which are declared as a percentage of the investment, while others are built into the price.

Singapore Real Estate Investment

Real estate investment is about finding good deals; the crux is that money is made when you purchase.

Real estate investments are often treated as one the best ways of investing money. However, what you are looking for is not just any real estate investment, but real estate investment that can give you good returns. By real estate investment we mean investing money into property i.e. buying property at a low price and selling it at a higher price so as to make a profit out of it. So the most important part of good real estate investment is to get hold of such properties which can give you good returns.

Now, how can you get these potential profit-making deals?

1. Your first avenue for finding good deals is the local newspaper (the property newspaper). Just search for properties that are listed directly by the owners who want to avoid paying commission to the real estate brokers. Since the owner is saving on the commission that they would otherwise have to pay to the broker, they would probably be able to offer a lower price to you and be more open to negotiations.

2. You could also place your own wanted ad in the local newspapers. On the same lines, you could use internet to search for the real estate investment avenues. In fact, you would be astonished by the number of real estate investment opportunities you are able to locate on the internet. Not only that, searching for real estate investment opportunities (i.e. property for sale) is much easier on internet than anywhere else.

3. Another good way to hunt for real estate investment opportunities is by using the services of real estate brokers. Some people use real estate agents as their first (and maybe the only) touch point for getting real estate investment opportunities. The real estate agents act as information hub for people looking to buy property. In fact, a lot of sellers find it much more convenient to sell their properties by listing it with real estate agents.

4. Multiple listings service (MLS as known in the real estate industry) is another good way to find real estate investment opportunities. Since the multiple listing book is provided only to the real estate agents and not to the general public (unless you are very lucky), all the cream (good real estate investment opportunities) would have already been taken before you get to see the book. The key here is to look for expired listings that didnt get converted to a deal.

5. Another good way to get a property, that is a good real estate investment, is to look for foreclosures by banks or to visit public auctions. You can generally get a good deal here. Divorce settlements are another good real estate investment opportunity.

To sum up, real estate investment is really about knowing where to look. And finding good deals does require some effort.

The Art Of Body Modification Branding

Through the years, man has unceasingly found ways to express their innate creativity and uniqueness. This is evident in many works of art collected throughout the years. However, such ingenuity is not only confined in crafts, sculptures, and paintings. Some people have literally made their own body as their canvas! These people are not only content of admiring art pieces; they made themselves the living and breathing artwork. This is mainly because some people find extreme satisfaction on being different from the rest or getting the kind of attention they unabashedly seek. Hence, this gave birth to the art of body modification.

The art of modifying the human body was already practiced centuries ago in native tribes as a way of making themselves look more attractive for their mate. It has taken a lot of form, such as body tattoo, piercing and interestingly body modification branding. The latter is unquestionably an extreme art form since it requires burning a part of the skin to create a permanent scar.

Body modification branding or otherwise known as scarification have earlier been used in burning identifying marks on livestock. Centuries ago. Greeks used it as a popular form of punishment for slaves and fugitives. Law offenders are branded on their forehead as a blatant sign of condemnation and to intentionally spur social disdain and disgrace. However, this barbaric act was later banned since it violates the human rights act and is deemed to be an extreme penalty to bear for most people.

Nowadays, body modification branding still exists in some sectors of society. No longer as a severe form of castigation but as a voluntary mark of association to a certain group. This practice is quite common in fraternities and organized crime groups. The scar apparently becomes their official membership mark of some sort. Some people use the body modification branding as a right of passage, especially for people who are aspiring to be a member of an exclusive group.

The body modification branding actually has two methods: the strike, where the artist will use a piece of metal to burn the skin repeatedly and the cautery, which uses a cautery pen to make a permanent scar on the skin. Both produce similar results and the scar is something the person will bear for the rest of his life. People who practice branding would claim it is a freestyle form of art, but a lot of people think otherwise. To the eyes of many, it is still a callous act that should no longer be practiced in this modern age.

Find insightful and useful information about Marketing tools and Publicity at MarketingArticles.com.

All About The International Banking And Financial Studies Masters At Southampton

Here is a short summary of the MSc International Banking and Financial Studies masters degree course offered by the Management School at the University of Southampton to help would-be students to decide whether it is the course for them.

This International Banking and Financial Studies masters course aims to develop students’ existing skills through advanced study in the areas of banking and finance, with a particular emphasis on the international context in which these activities occur.

The International Banking and Financial Studies masters programme gives you a coherent theoretical framework for the various subject areas, although the emphasis throughout is on the practical application of financial techniques in the modern financial services environment.

Southampton Management School has an excellent international reputation for the analytical study of management and business. Studying the MSc International Banking and Financial Studies masters programme will introduce you to new concepts and knowledge, which can make all the difference in the job market.

At the Management School, all our degrees are taught by research-active academics who are also directly tackling business challenges outside the seminar room and putting theory into practice every day.

The International Banking and Financial Studies masters degree course is led by Dr. Gerhard Kling, who is a senior lecturer in Finance at the University of Southamptons Management School.

Gerhard received his PhD in Economics from the University of Tuebingen (Germany) and joined Utrecht University (The Netherlands) as Assistant Professor of Finance and Financial Markets (2004-2006).

In 2006, he went into the private sector and worked as Practice Specialist in Corporate Finance & Banking (McKinsey & Company, Germany) (2006-2007). Then he returned into academia and joined Bristol Business School (UWE, UK) as Senior Lecturer in Strategy (2007-2009).

In 2009, Gerhard was promoted to a Principal Lecturer in Strategy and Operations Management (2009-2010). On 1st October 2010 he joined the University of Southampton as a Senior Lecturer in Finance.
Southampton Management School has an excellent international reputation for the analytical study of management and business. Studying an MSc Management masters degree, or other postgraduate option, will introduce you to new concepts and knowledge, which can make all the difference in the job market.
All our degrees are taught by research-active academics who are also directly tackling business challenges outside the seminar room and put theory into practice every day.

To find out more about this International Banking and Financial Studies masters degree go to www.southampton.ac.uk/management

Stock Investment for Beginners

Stock investment is a career, hobby or tool that is not easily accessible to everyone. It can be very risky and can cost you a lot of money if you don’t know anything about handling a portfolio and applying a working strategy in your investing activities. For the new investor, it is a business that will require a lot of skills and knowledge in order to be successful. Serious business it may be, but it certainly is one that will earn you a generous amount of money if you pursue it with the right information and smart decision-making.

Research the investment type that you want to trade –

It is necessary to learn more about the securities that you wish to invest in. As it can be a factor that can contribute to your success in the stock market, gaining valuable information regarding the investment types that you can pursue will be of great help in your undertaking as a novice in stock market dealings. With so many tools and resources available to you, both online and offline, there is no excuse for not doing proper research before you make any decisions. From guides, books, seminars, training courses, newsletters, reputable websites, audio courses, podcasts and much more, you have access to more information than ever to help you decide what type of investment is right for you.

Look for a working strategy that you can employ in trading –

Beginning stock investing requires careful evaluation of your options. You have to be certain that what you are doing is right and that it will help you reap the rewards of your undertaking. The easiest way to achieve this is to apply an investment strategy that you have cautiously analyzed.

A working strategy can be the key to the outcomes of your stock market transactions. You will be able to come up with one if you will take the time to research the market including all the factors that affect its movement. Though there is no certainty as to the markets predictability, knowledge about how it tends to vary depending on its various determinants shall help you employ the most applicable technique for your investments. With careful stuffy, you will be able to earn great returns with your stock market dealings.

Stock investment for beginners can be very lucrative, but you have to understand that it is not easy to take part in and should not be taken lightly. Before you jump in, don’t be afraid to get help from professionals, it may be a decision that saves you a load of money.

One Sure Way To Find A Reliable Loan Modification,

Eventually you may need to pick a loan modification specialist. This can be very difficult if you don’t know what to do. One way to find a specialist is to do a little investigating, ask a few friends for advice, or consult some professionals who work in this area. Here are some guidelines.

One sure way to find a reliable loan modification specialist or modification firm is to ask people who have used the services of such professionals in the past. Personal recommendations might not give you many names. You may need to explore other avenues of finding help. There are other means of finding a loan modification specialist. Ask your local real estate broker. Due to the very nature of their business, they will know lawyers who have had experience with the procedures involved in foreclosure, financial disasters, and loan modifications.

A simple call to your local state bar association can assist you in finding a lawyer who has experience dealing with situations similar to your own. You might not be comfortable letting your lending institution know how difficult things are for you. However, a talk with the bank manager about your situation may also result in a recommendation.

A foreclosure attorney is another source of finding a loan modification specialist. Due to the nature of their business, these lawyers have dealt with loan modifications while representing their clients. They might be reluctant to offer a name, but you won’t know until you ask.

After you have done the research and found some possible loan modification specialists, narrow your list to three choices. Call the attorney or firm and ask if they would be willing to negotiate a loan modification on your behalf. Don’t jump right in to the process and start giving out personal information right away; take some time to get to know who you are hiring. Even then, never give out your mortgage ID number, driver’s license number, social security number or credit card numbers over the telephone

How To Become A Certified Financial Divorce Specialist

If you often work with individuals who are going through divorce proceedings, then you may want to consider becoming a Certified Financial Divorce Specialist (CFDS). Having this credential shows that you have comprehensive information that will help clients explore their financial options related to a divorce agreement. Training for the CFDS will make you better at helping your clients find a better position of financial stability.

Topics Covered in the CFDS Certification
The CFDS training is designed to improve and increase your knowledge of the complexities of the financial problems that are related to divorce agreements. The more you know about the tax, financial, and legal complexities of divorces cases, the better you can provide support for your clients. Furthermore, the course contains guidance on your role as a professional CFDS.

Here is a brief summary of the topics covered by this training program:
Assessing and identifying assets including family home, property, and pensions to career assets and benefit plans.
Overview of the various legal proceedings, the role of a professional CFDS, and the different methods of settling a divorce case.
Identifying the tax problems from the impact of child support and alimony. Identifying the reporting requirements when selling and dividing the house.
Information about malpractice, ethics, and working with other professionals on the case.
How to present and prepare financial affidavits and other reports.

Training Format of CFDS
The CFDS training program is available online. When you order the certification training course, you can expect to receive everything you will need to complete the entire course from the comforts of your office or home. In addition, the package includes a blinder with around 500 pages of content covering the topics mentioned before and more. This foundational case material also combines questions and case studies to make the learning more realistic.

The Family Law Software program is also included in the package. This program helps calculate the financial impact of various options that are under consideration. For instance, you can use this software to determine what will happen to your client if she assumes credit card debt to keep the house. Part of the initial training package allows you five months of access to this program. After the initial five months are over, there will be a monthly fee that includes ongoing access to technical assistance and software updates.

It usually takes around three months to prepare properly for the online examination. After you have successfully completed the examination, you are required to finish a case study while using the Family Law Software. If you successfully complete this, then you will receive your certification.

Starting Your Certified Financial Divorce Specialist Career
A marketing package will come with your certification. This package will provide guidance on how to promote your skills and knowledge. There is a listing of networking opportunities, template for a press release, and other advice that can help you establish yourself in this market as a CFDS.

What Is The True Meaning Of Finance

The definition of finance is the provision of funds or loan supplied to an individual or company. Often this term is used for the study of economics and how money is controlled. It can be also defined as the management of funds and capital required by a business and private activities. Management of finance has also developed into a specialized branch within the financial sector and is carried out by finance managers.

Managing this involves dealing with the optimization and allocation of funds to various areas either by borrowing or by using those available from internal resources. The word Optimizing may sound strange but it refers to taking measures that minimize the cost of financing while simultaneously attempting to maximize the profits out of the employed finance. Bad debts are poor finance management where rules have not been followed; the result of this is depressed markets, low production and a cash crisis. It is for this very reason that finance managers are very careful with finance they agree too and where it is funded from.

It is not uncommon to hear finance managers referred to as bean counters as they are looking at immediate returns and initial costs against the potential at a later stage. Finance managers are the pessimists whereas sales managers are the optimists who look to the future and not to the past! Often though, problems occur with small businesses who fail to see the distinction between a business loan and a personal one. Most lenders will cancel the loan if they feel they have been deceived this way because they are unsure what the money is to be invested in.

Hopefully by educating the small (and large) business owners of their fiscal responsibilities they may build the basis of an improved company in the future. Small businesses can be very flexible, however, and call upon friends, other businesses, family members, even their own bank for finance.

Finance managers can help improve their company’s profits by using external sources which also lessens the risk on them at the same time. The famous comedian Bob Hope best summed up the subject when he once said; a bank is a place that will lend you money but only if you can prove that you don’t need it.