Month: November 2019

Patent Requirements

If you are an owner of an invention, it is of the utmost importance to file and register your patent to prevent others from copying your invention, importing your invention, disposing of your invention, or using your invention, or manufacturing and trading with your invention without your knowledge or approval.

Once you receive a patent then you can have the peace of mind knowing that no one can trade with your product for up to twenty years without your approval by means of a legal binding contract or license. An owner of an invention who has patent protection in place can however allow others to trade with the invention by means of a legal agreement and monthly royalty payment agreement to the owner, based on sales of the invention.

USA patent act requirements are all relatively straightforward. An invention needs to be new, inventive and serve an actual purpose that can be put to good use in order to qualify as a patentable invention as explained on However, there are many terms and conditions which relate to the requirements which might disqualify an invention from being considered patentable according to the US patent act such as:

If an invention is public knowledge, been used commercially before or there is another invention on the market already which is similar the invention, as the invention will then not be regarded as novel.

If a skilled person in the same field of trade considers the invention to be obvious, as the invention will not be regarded as inventive.

If public disclosure of the invention occurred before applying to file the patent – searches should be conducted through patent databases as well as literature databases to confirm that an invention is novel.

If the exact or similar invention exists in another country then the invention will no longer be seen as novel and the invention will be denied a patent application as you can see from

However, if someone would like to copy an invention or manufacture something similar, of another inventor in another country, even though he or she will be prohibited to apply for a patent due to the fact that he/she is not the inventor themselves, the person can perform an infringement search through the USA Patent Office. And, if no USA patent exists for that invention, that person may manufacture and trade with that invention.

Unsecured Business Loan

In an ideal world, your business would start generating a fabulous profit for you from day one, and your business would continue to support its overhead, provide for growth and yield a generous profit to you on a regular basis.

However, as a business owner, you understand that it takes a considerable amount of capital to start a business, and you may need to feed money into your company from time to time to roll out new products, expand into new territories and even cover your expenses during slow periods.

This is the nature of business. Many Singapore business owners will apply for a SME loan Singapore at some point, but many loans require you to pledge personal assets, provide personal tax returns and take other significant steps. However, you can apply for a no doc business loan and more easily obtain the money you need.

The Benefits

There are several key benefits that you can enjoy when you apply for a no doc business loan. For example, you can save time and effort with this type of loan. While you may need to fill out a loan application before you can be approved for your loan, you will not need to gather together your tax returns, business financial statements, bank statements and other documents.

In addition, you will not need to pledge your personal collateral. Some loan programs in Singapore, for example, may require you to pledge your personal residence or your car, but this is not necessary with a no doc business loan.

How can a Payday Loan help?

We are in the midst of the worst recession in the recent times. As a result, many people are suffering from financial constraints. You may want to buy something really important but don’t have enough cash. So what would you do at that time? All you need to do is apply for a payday loan. Many people in Singapore are turning to payday loans and for good reasons. We’ve all been in situations where we might need some cash to buy something or to make some payments. So the best option is to get a quick cash loan and return it back as soon as you get your next payday.

Corporate employees make the best use of Payday loans. They get approved a lot of faster than others who apply for it. But the approval rate is much higher than any other form of loans available in the market. It only takes a couple of days and sometimes it takes only 24h before you get it. An advantage for the people with bad credit scores is that they are eligible for these types of payday loans. There are no credit checks done on you as long as you are able to pay back the loan on time.

There is a lot of competition in the payday loan cash advances industry; so most lenders try to minimize the hassles of the procedure to make the experience fast and smooth. The lenders are trying to create a wider market of availability of the cash better than the traditional loan system. The payday loan is designed to help those with bad credit history, who need immediate funding for whatever purpose they need the money for. The process is extremely easy, making it a very popular form of loan. Most lenders will approve and send the money within 24 hours of applying for a payday loan.

It is important to know how each money lender is going to charge you. The cost of a payday cash advance loan may vary from each lender. Finding information regarding interest costs is quite simple and can be done through the internet or phone. Many lenders even offer online forms. These online forms can be filled out within minutes, as they only ask for some personal and financial information. Once you have filled out the form, you will be given a quote. Thus, you will have a rough idea of how much you are looking to pay in the end as a result of the payday cash advance loan. Once you apply, you will usually be approved within few hours or a day. You will be given the funds in the form of cash or directly debited into your account.

Why it’s important to get a Travel Insurance policy

In this unpredictable world, it’s impossible for you to predict what will happen to you or your belongings while traveling to your destination or even when you are out having fun. Well, this unpredictability is one of the major reasons why you need travel insurance.

Having a travel insurance policy will give you the protection that you need if unforeseen events occur after you make the reservations and pay for your trip. This insurance can be quite helpful if the travel agency and airline makes an error or a personal problem arises and your trip has to be canceled. In addition, this insurance will also protect you if any emergency situation arises after you reach your destination.

Here are some of the things that you can get travel insurance for:

It is common for travelers to lose things such as documents, money, medication and luggage. So, you can get a travel insurance policy that can cover the items in your luggage if it’s lost or stolen. With this policy, you can fill out the necessary documentation to claim for prescriptions, cash, wallet, passport and personal identification.
You could also take out a travel insurance policy for medical emergencies, treatments and accidents which might occur when you are in a foreign country.

If your airline cancels the flight, the travel insurance can help you to get a full refund of the ticket cost. Besides that, this insurance will also help you to avoid huge financial penalty if you have to cancel your trip because of unforeseen circumstances.

Travel insurance also provides coverage against acts of terrorism and nature. For instance, you can get coverage for any money that is lost if you have to leave your destination because of severe weather such as tsunamis, typhoons or hurricanes. If you want to cancel your trip because your travel destination was attacked by terrorists, the travel insurance will allow you to get a refund.

Personal liability is one more important reason to take out a travel insurance policy. Getting a policy with coverage for personal liability will protect you against any injury or damages that you might cause unintentionally.

When you have travel insurance, this will prevent you from losing money if the airline, tour operator or cruise line files for bankruptcy. This insurance will also provide coverage for non-refundable expenses.

All in all, best travel insurance can provide you with peace of mind when you are traveling. All travelers can benefit from this insurance, but you should definitely add it to your priority list when traveling with your family.

Payday loans for financial issues

If you’re currently stressed about paying your bills or just meeting your basic needs, you may not be aware of all your options. Many of us feel doomed thinking about the consequences of not having enough money. But the truth is you can secure a personal loan in cash at just about any time so long as you have a job and the paycheck to prove it.

Payday loans in Singapore are how many people get through tough economic times without losing their shirt. All you have to do is visit an licensed money lender Singapore with proof you have a job and how much you make. Best of all, unlike a bank, you don’t need perfect credit to receive a personal loan from them.

After reviewing your information, they’ll set a ceiling and outline terms. So long as you agree, you can walk away with cash that day and leave them a check postdated for the day after you get paid.

Spend the money how you need to—there are no stipulations. Then, when your paycheck finally comes in, the payday loan shop will cash the check you left with them. That’s all there is to it. You’re paid in full and never have to worry about long term payments.