Monday, September 10, 2012

In Your Situation Is A Credit Card Debt Reduction Option Right For ...

Short article by Brian Farrell

Credit card financial debt reduction is a highly well-liked system which demands that the debtor settle their debts in a a single-off payment. Numerous debtors locate that the reduction approach functions truly effectively, in certain it creates a significant degree of financial debt reduction frequently in excess of 50% of the authentic debt. The query which you need to have to request by yourself, is no matter whether or not it will operate for you?

How does this Credit score Card Debt Reduction Operate?

Debt reduction is really efficient as a relief program simply because the debtor stops paying out their credit score cards and rather they sign up to a debt settlement company. When they do so, they make monthly payments into a unique account instead. The debtor continues to spend into this account for a handful of months, in an energy to build up the income in it. Also they are most likely to promote off some assets so as to help this approach. The goal is to get a sum with each other in the purchase of approximately 50% of the authentic financial debt. After the fund raises in size, the debt settlement business then begins the negotiation method with the companies in an hard work to minimize the financial debt principal.

Option: Credit Card Debt Reduction or Financial debt Consolidation?

In this instance a debtor indicators up to a financial debt consolidation program. They have a debt of say ,000 at an yearly interest price of 18% across all their cards, and are paying back a minimum payment of per month. At that rate it will take just beneath 96 months to repay the financial debt.

Even so, when they sign up to the financial debt consolidation prepare, the interest rate is decreased to a more compact figure such as twelve%. So although nonetheless paying out only per month, they will repay this financial debt in just much less than 6 years. Although this does not sound extraordinary, it is still a saving in terms of 2 many years in duration. From an economic standpoint it will conserve the debtor an enormous 80 in interest.

Although this is very good, when compared with debt reduction, if the debtor only manages to conserve 40% on their debt, it will suggest that they only pay back ,000 (60% of the financial debt principal), in just more than twelve months. Examine that with just six many years in purchase to payout a total of ,000 on the consolidation program, which is five years significantly less duration and ,000 less interest. Not poor, if you can handle it.

So, we can see that in terms of timescale and financial debt financial savings, reduction operates extremely just great, so are there any downsides with it?

Listed under are the downsides which go along with financial debt reduction:

? Court cases? Tax liability ? Downgrading credit score

Downgrading of credit score:When you go via the reduction process, it will influence your credit score, since you can not go many months with no paying any creditors and not count on your credit score score to be the exact same as it was prior to you commence this exercising.

Court situations:Also, some of your creditors may possibly choose to consider you to court, even though if you are taken to court, the court can only force you pay out back a tiny percentage of the financial debt every month. In addition, simply because credit score card debt is unsecured, not like property and auto loans, your creditors cannot repossess your property. So court cases are not as negative as you may well be tempted to think.

Tax Liability:Eventually, any monies which are decreased from the debt principal are liable to taxation, unless of course you can declare yourself destitute. In this kind of a situation this can only be accomplished by filing for bankruptcy. So prior to signing up to a reduction plan, do your math and make sure that even when including in taxes due, that the system nonetheless works properly for you.

Ought to You Think about Credit score Card Debt Reduction?

If you want to know if this is the correct approach for you, then you have to request oneself some probing queries. It is vitally essential that you realize that it only performs for debtors who have severe debts. It is also an best debt relief method for debtors who have quite huge debts, who never know what to do about them, and who are almost certainly considering about filing for bankruptcy.

When compared to bankruptcy, the downsides are not as negative as you could feel. Because if we appear at bankruptcy it destroys your credit score for a very extended period of time (Either eight or ten years, dependent on the kind of bankruptcy which you file), and usually results in the fire-sale of most of your assets.

For a lot of debtors contemplating bankruptcy, they would actually do much better on a reduction system rather. Although it must be remembered that, with reduction the debtor has to make a a single off financial debt settlement. This is normally in a timeframe of around one yr. Certainly not all debtors would be capable of coming up with such a large settlement so quickly, in which case bankruptcy might be a greater option for you.

So Is A Credit score Card Technique Right For You?

Trying to figure out the very best debt relief approach is a massive process. While we can briefly outline the pros and cons of each alternative, it is hard to outline which method is the right 1 for you. This is because absolutely everyone has diverse specifications. Also what will perform nicely for one particular debtor may effectively not work so nicely for yet another debtor.

Whilst debt reduction is a fantastic approach, it is not a one particular match all sort solution. Even when compared to bankruptcy, it is easy to see that whilst most debtors will do better on a reduction program, based on situations, in some cases bankruptcy is the superior choice to consider.

For anyone contemplating credit card financial debt reduction, take the time out to get to realize your individual scenario. Do some research into the numerous reduction strategies out there. Since one particular point is specific, there is a strategy which will function for you, and probably credit score card debt reduction could properly be just that one particular.

About the Writer

To aid you decide if the credit card financial debt reduction method is proper for you, educate oneself first. Learn why you are in this circumstance and what your alternatives are. Visit: http://www.creditcarddebtsecrets.org/credit score-card-financial debt-reduction












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Sunday, September 9, 2012

Nigeria floods kill 137, displace thousands

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Adopting Daniel: US couple tests new Guatemala law

In this Saturday, Sept. 8, 2012 photo, Jennifer Walker, sister of Jessica Hooker, holds balloons as she and others await the arrival, from Guatemala City, of Ryan and Jessica Hooker, at McGhee Tyson Airport in Louisville, Tenn., with their newly adopted son Daniel and their daughter Ellyson. (AP Photo/Wade Payne)

In this Saturday, Sept. 8, 2012 photo, Jennifer Walker, sister of Jessica Hooker, holds balloons as she and others await the arrival, from Guatemala City, of Ryan and Jessica Hooker, at McGhee Tyson Airport in Louisville, Tenn., with their newly adopted son Daniel and their daughter Ellyson. (AP Photo/Wade Payne)

In this Saturday, Sept. 8, 2012 photo, Ryan and Jessica Hooker arrive at McGhee Tyson Airport in Louisville, Tenn., from Guatemala City, with their newly adopted son Daniel and their daughter Ellison. (AP Photo/Wade Payne)

In this Saturday, Sept. 8, 2012 photo, pastor Jerald Russell leads a prayer as he stands between Ryan and Jessica Hooker at McGhee Tyson Airport with their newly adopted son Daniel, in Louisville, Tenn. After five years, the Hookers have finally been able to complete the adoption and bring Daniel to his new home in Tennessee. (AP Photo/Wade Payne)

In this Saturday, Sept. 8, 2012 photo, friends hold signs as they await the arrival, from Guatemala City, of Ryan and Jessica Hooker, at McGhee Tyson Airport in Louisville, Tenn., with their newly adopted son Daniel and their daughter Ellyson. (AP Photo/Wade Payne)

(AP) ? It should have been good news.

The U.S. Embassy called to say the Guatemalan government would begin to authorize adoptions five years after a scandal froze the system that sent as many as 4,000 Guatemalan children a year to the United States.

Ryan "Bubba" Hooker and his wife, Jess, might finally be able to collect the little boy they wanted to adopt and bring him home.

But Hooker wasn't sure. This would be his 36th trip to Guatemala City. The 18-month-old toddler they had met in an orphanage was now a 6-year-old kindergartener. The couple had moved homes, passed up a job, spent untold amounts of money trying to adopt Daniel.

If all went well, they were told, they would be the first U.S. family to adopt under the Central American nation's new adoption laws.

At least, that's what they told him over the phone.

On Aug. 21, an anxious Bubba boarded the plane for Guatemala City. All he had to do was get an adoption certificate, a birth certificate and a passport, meet with the people at the U.S. Embassy yet again, get an adoption visa, and then he and Jess could bring Daniel home.

Maybe this time it would work.

___

Jess and Bubba had been married less than a year when they decided to go to Guatemala on a mission trip in June 2007.

The day he met Daniel, Bubba had been working on the plumbing in the orphanage when he decided to take a break. He took a wander through the rooms and found the boy.

The child was just 18 months old but looked younger, sitting stranded in a walker. He was the youngest kid in the orphanage, the frailest, too, with his pigeon chest and little legs that turned out. Bubba knelt beside the little boy and they began to play. Before long Bubba was holding him, then he fed him. He forgot about the plumbing.

It wasn't until that night, when they were in bed, that he told his wife.

"I think I met our son," Bubba said.

At 28, Jess was five years older than her husband and the more practical partner. She listened quietly as he told her about his day with the boy, who wasn't just cute, he said, but his name was Daniel, just like Bubba's uncle who had just died. She was skeptical.

"Uh oh," she thought, "what has Bubba gotten us into?" But the next day, when she pulled the child into her arms, it felt like he was hers.

The couple had always wanted to adopt; Daniel just sped up their plans. They immediately told the orphanage director and started the paperwork.

Two months later, Guatemala's thriving adoption industry fell apart.

The country's quick-stop adoptions had made the nation of 14 million people the world's second-largest source of babies to the U.S. after China. But the vibrant business came to a halt after an August 2007 raid on what was considered the country's most reputable adoption agency, used by many Americans.

An investigation exposed a system of fake birth certificates and DNA samples, of mothers coerced into giving up children. Some claimed their children were kidnapped for sale. Adoptive parents paid up to $30,000 for a child in a country where the average person earns $5,000 a year.

Guatemalan birth parents poured into government- run centers looking for their missing children and ran ads in local papers.

Guatemalan doctors, lawyers, mothers and civil registrars were arrested and prosecuted, with some convictions for human trafficking and adoption fraud. The Solicitor General's office was put under investigation by a U.N.-backed commission against impunity.

The Guatemalan government was forced to overhaul its adoption laws. The U.S. suspended all new adoptions from Guatemala.

By the beginning of 2008, a new council had to be established to clean up proceedings, including verifying the identity of birth mothers and their willingness to give up their children.

The old system, a mostly unsupervised network of private attorneys and notaries, was abolished.

Daniel was among 3,032 children caught in limbo.

___

In October 2008, Jess traveled to Guatemala with her mother over her school's fall break. It was her fourth visit.

She expected to see Daniel running around, arms flailing with hints of baby talk.

Instead, there was silence.

Something was wrong, but she was not Daniel's legal guardian. Jess couldn't take him to see a pediatrician. Maybe it was normal considering that he was such a small kid, but she was worried. She was a special needs teacher.

Five months later, Daniel still wasn't talking.

At the Radisson Hotel, where the Hookers started the first of many family visits, he would race to the window inside their room to watch the airplanes. He was obsessed with them. But when Bubba gave him headphones, Daniel always tore off the one in his right ear.

He needed to see a specialist. The adoption could not come soon enough. They'd hoped their connections to the orphanage, their family's story, would make things easier since some adoptions pending when the ban was imposed were being allowed to go through. Jess's parents were missionaries who founded the charity Samaritan Hands, which ran the orphanage. Bubba sat on the charity's board.

Plus, his grandmother had been an orphan herself. And so was Jess's younger brother, Jose.

But though they had filed reams of paperwork, nothing seemed to be happening, and no one could tell them why. Finally, in May 2009, they got a call confirming a meeting with the adoption council's head, Jaime Tecu. The Hookers were ecstatic.

After hours in the waiting room with Daniel and Jess' mom, Judy, who would translate, they were ushered into an office overlooking the south of the capital.

Daniel sat upright in a chair close to the director's desk and fiddled with a toy car.

And then the bombshell.

"I'm sorry," Tecu said, "your case is not registered with the Solicitor General's office. It is not official."

Judy began to sob. Bubba was furious.

Jess was crushed.

Everything had to be investigated anew. Daniel's birth mom needed to be found, tested for a DNA match and give consent for the adoption. The case also had to be transferred to a court in the district where Daniel was born.

The Hookers filled out and submitted the same forms numerous times. They had a second home study ? translated into Spanish. But nothing changed.

In May 2010, a weeklong trip turned into a three-week stay when the Pacaya volcano, about 25 miles (40 kilometers) south of Guatemala City, began spewing lava and rocks, blanketing the capital with ash and closing the international airport.

The Hookers used the extra time with Daniel to take him to an audiologist.

When the doctor walked in to give the results, they already knew ? Daniel was almost completely deaf.

___

The Hookers created a routine between regular trips to the Radisson in Guatemala and life back home in Maryville, Tennessee. Jess took advantage of holidays at the high school where she worked, while Bubba, a real estate developer, set his own schedule so he could visit Daniel every two or three months.

It was not an easy way to live.

They turned down a job offer overseas that they feared would have further complicated the adoption process.

When Daniel was already 4 and there was still no end in sight, Jess gave birth to a daughter, Ellyson.

On their visits at the Radisson when Jess was pregnant, Daniel would touch her belly and say, "Sister."

They hung photos of Daniel and Ellyson all over the walls of the two-story brick house on their Maryville cul-de-sac. They put a play structure in the yard and fenced it in for Daniel. In his bedroom, a large red airplane sat atop the armoire. His beloved plane.

Jess felt like she was missing Daniel's entire childhood ? his first steps, his first words.

And then came some luck.

In early 2011, the Guatemalan adoption fiasco came to the attention of U.S. Sen. Mary Landrieu, who served on the Senate appropriations subcommittee on the State Department's foreign operations and related programs, which dealt with foreign adoptions. She also presided over the Senate appropriations subcommittee on homeland security, which funds U.S. Citizenship and Immigration Services.

She was also the mother of two adopted children.

Landrieu discovered there was no list of people whose cases had been dropped due to Guatemala's adoption ban.

The U.S. had forbidden new adoptions from Guatemala, but the pending cases were something else.

She assembled a team of staff and immigration services experts to help Guatemalans sift through the files and find out which ones had the proper records, making five trips to the country herself.

Of the original 3,032 cases interrupted at the end of 2007, officials found 180 cases of children still waiting to be adopted.

The first of these cases was Daniel's.

Landrieu's team worked with the U.S. Embassy and Guatemalan officials to broker an agreement that would allow certain cases to go forward if they met the criteria of both Guatemalan officials and the U.S. State Department.

She contacted many American families to see if they were still interested, discovering that many couples had spent tens of thousands of dollars, traveling up to 20 times to keep contact with the children.

Last December, the Hookers got a call saying they were one of 44 families whose cases were ready to move forward.

It would still be another eight months before they embarked on Aug. 21, hoping to become the first of those families eligible to collect their child under the new agreement.

Things were looking up.

___

Then, this past Monday, Jess, who had flown in with Ellyson and her mother to Guatemala City, sat inside the Hookers' room at the Radisson staring at the latest document. She couldn't believe it.

Her computer chimed, and with tears in her eyes, she made her way over to it. Someone back in Tennessee was calling her on Skype.

When she saw that it was her brother, she turned on the camera.

Before Jose could say hello or see her wet cheekbones, she hovered over the camera and covered it with a thin sheet.

The paper read: "Daniel Ryan Hooker born in Quiche, Guatemala on December 2006 son of Jessica Russell Hooker and Ryan Hooker.

Jose began to cry.

Jess' brother, Jose, had been adopted 22 years earlier, when he was almost 6 years old, from the same orphanage. That adoption took her parents three years to complete. He, too, had been born in Quiche.

At one point, when things were really grim and there was no end in sight, Jose had said that he would go to Guatemala and adopt Daniel himself, since he was Guatemalan.

And now, here they were. All they needed was Daniel's Guatemalan passport, and his adoption visa.

This time, Jess was sure, everything would work out. It said so right there on the paper.

She was Daniel's mother.

___

Early Saturday morning, they checked out of the Radisson for the last time. An airport shuttle arrived at Guatemala's La Aurora Airport. Out came Jess and her mom, Bubba, baby Ellyson and Daniel. Everyone sported matching red-and-white Maryville High T-shirts. There was even a small one with a big embroidered M at the center for Daniel.

At a distance Daniel could see his beloved planes as Jess carried him toward check-in.

"I've been waiting so long to carry you like this," Jess told Daniel.

"Avion," he replied, the Spanish word for plane, a huge smile on his face. He gave his momma a wet kiss and motioned to be put on the floor. He went over to Ellyson and started to open his arms wide and spun like a plane. She giggled and mimicked him.

Meanwhile, Bubba was grabbing their boarding passes.

After all his family visits, he'd accrued 700,000 frequent flier miles he had been saving for the day he would take his son home. Soon, they would be sitting in first class. The plane was set to take off just before 1 p.m.

Jess prepped his bag full of knickknacks. Back in Maryville, friends and colleagues at school had thrown her a surprise baby shower.

When asked how she thought Daniel would adapt to the room and house back in Maryville, she laughed.

"I think he's going to be a bit disappointed when we get home and he realizes there is no pool on our roof, no elevator, and he can't watch planes from the window."

___

Associated Press writer Romina Ruiz-Goiriena reported this story in Guatemala and Travis Loller reported in Tennessee.

___

Romina Ruiz-Goiriena on Twitter: http://twitter.com/romireportsAP

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-09-09-Guatemala-Adopting%20Daniel/id-40e10236c3f14ed6a4bcae23e0d71bc2

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Obama beats Romney - in Nielsen TV ratings of conventions (cbsnews)

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Saturday, September 8, 2012

AP PHOTOS: NY Fashion Week's fresh elegance

Contestant Elena Slivnyak's designs are modeled at the Project Runway finale fashion show during Fashion Week on Friday, Sept. 7, 2012 in New York. (Photo by Charles Sykes/Invision/AP Images)

Contestant Elena Slivnyak's designs are modeled at the Project Runway finale fashion show during Fashion Week on Friday, Sept. 7, 2012 in New York. (Photo by Charles Sykes/Invision/AP Images)

The Nicole Miller Spring 2013 collection is modeled during Fashion Week in New York, Friday, Sept. 7, 2012. (AP Photo/John Minchillo)

The Nicole Miller Spring 2013 collection is modeled during Fashion Week in New York, Friday, Sept. 7, 2012. (AP Photo/John Minchillo)

The Rag & Bone Spring 2013 collection is modeled during Fashion Week in New York, Friday Sept 7, 2012. (AP Photo/Stephen Chernin)

The Nicole Miller Spring 2013 collection is modeled during Fashion Week in New York, Friday, Sept. 7, 2012. (AP Photo/John Minchillo)

(AP) ? Elegance turned young and fun on the second day of New York Fashion Week as designers took basic shapes like the sheath and trench and added twists such as leather, lace and cutouts.

Designers showing on Friday included Jason Wu, Peter Som, Rag & Bone, Nicole Miller and Pamella Roland to crowds that included plenty of starlets who would look pretty and polished in the refined, youthful styles.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-09-07-NY%20Fashion%20Week-Photos/id-6ec900994cba4f528e4f8ac76f580d0c

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FAQ: Chavez wants his gold back Do you think they still have it and ...

FAQ: Chavez wants his gold back Do you think they still have it and what will the long term impacts be if any?

Golden Retrieval: Chavez wants his billion back

200 tons of gold Bank of England Israel and other places ? do you think they still have it to give back

And what impacts will this have on the global gold markets if any ? will it cause a national hording of gold that was invested in other places brought home for instance

www.goldsenze.com Answer:

They likely have it, if not Gold Prices will likely hit 2000. People are already hoarding gold and betting it up on the futures market, that is why the price is so high.

posts you may find of interest:

  1. FAQ: Is Gold really a good long term investment? ? goldsenze
  2. Gold Price in the Long Term, Medium Term and Short Term
  3. short term vs long term bond funds ? differences in risk?
  4. FAQ: long term investments?
  5. FAQ: Whatis the best way to invest in GOLD and OIL for the long term?

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Source: http://www.goldsenze.com/faq-chavez-wants-his-gold-back-do-you-think-they-still-have-it-and-what-will-the-long-term-impacts-be-if-any/

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Patent Infringement Issues Affecting Media Companies

A MediaLaw monitor digital exclusive

By Stuart R. Dunwoody and Benjamin J. Byer

Like many U.S. newspapers and television stations, the Atlanta Journal-Constitution has a website that covers local entertainment and events, which it calls accessAtlanta.com.? The organizer of an event can add it to the site by filling out a form.? This innocuous feature apparently resulted in the Journal-Constitution?s publisher, Cox Enterprises, being sued for patent infringement.? The patent in question, U.S. Patent No. 6,370,535, claims to cover a ?system and method for structured news release generation and distribution.?? The patented method consists of three steps:? specifying the content of several pre-determined sections of a news release, digitally storing the content for those sections, and then assembling the news release by retrieving the sections from storage.? The owner of the patent, Gooseberry Natural Resources, LLC, sued Cox and several other media companies in Los Angeles in December for patent infringement.[1]

The Gooseberry lawsuit is yet another illustration that as media companies develop and use innovative business methods and technologies, they face risk of patent infringement claims in addition to the more-familiar risks of defamation, invasion of privacy, and copyright infringement.? While many of the patents asserted against media defendants cover various aspects of the Internet, such as providing a click-to-call links in Internet search results, playing games over the Internet, and web browsing, other areas are covered as well, including providing media and content to mobile devices, systems for generating billing statements for published advertising, and electronically displaying advertisements and information in elevators.? Patent holding company Acacia Technologies, which says that it controls over 160 patent portfolios covering areas including advertising, digital media, Internet/eCommerce, and wireless mobile, claims to have more than 870 licensees, including Bloomberg, Gannett, and Walt Disney Company, and last year won a patent infringement lawsuit against Yahoo for infringement of a patent covering advertisements in instant messaging.[2]

But media companies are not only defendants in patent lawsuits.? They also own patents themselves, and occasionally sue on them.? Facebook holds a patent covering ?dynamically providing a news feed about a user of a social network.?[3]? Gannett Satellite Information Network owns the elevator advertising patents mentioned earlier and sued a competitor, Office Media Network, for allegedly infringing them;[4]TV Guide Online sued Tribune Media Services for allegedly infringing a patent for providing customized television programming information.[5]? By understanding the risks and using some defense strategies, media companies can reduce the danger patent infringement claims pose.

An Overview of Patent Law

First, a quick overview of patent law.? A patent grants the holder the exclusive right to make, use, sell, or offer to sell the invention it describes within the U.S., or to import it into the U.S.[6]? To be patentable, an invention must be a ?new and useful process, machine, manufacture, or composition of matter.?[7]? In its decision last year in Bilski v. Kappos,[8] the U.S. Supreme Court reaffirmed that the scope of patentable subject matter is broad.? So long as a patent does not seek to cover an abstract idea, it can, for example, cover novel methods for conducting business and computer software.? A patent is valid for 20 years from the date its application was filed, and may be extended further if the Patent Office unduly delays in issuing the patent.

A patent?s scope is defined by its claims

In a patent, the inventor describes his or her invention in both writing and drawings, and then concludes the patent with one or more ?claims,? each of which specifies the details of invention for which the inventor claims exclusive rights.? For example, here is one of the claims from a patent covering a method of assembling a news release, which has been asserted against a number of media organizations:[9]

1. A method for structured generation of a news release, the method comprising:

a. separately specifying content of each of a plurality of pre-determined sections of the news release, the predetermined sections and their ordering determining in part a desired format for the news release;

b. storing, in a digital storage medium, the content specified for each of the sections; and

c. assembling the news release by retrieving from the storage medium each of the stored sections in a manner consistent with the desired format.

The patent claims determine whether a patent has been infringed.? A claim can be broken down into a number of elements, such as subparts a. through c. in the example above.? If every element of at least one claim is found in a device made or a method used by someone other than the patent owner, the patent has been infringed.

Not all issued claims are valid

The patent claims also determine whether the patent is valid.? A patent can be obtained only on a new invention, and while the Patent Office tries to ensure that this requirement is met before it issues a patent, it is by no means perfect and frequently issues patents that turn out to be invalid.? If all of the elements of a patent claim can be found in a piece of ?prior art? ? a device that existed or a method that was practiced before the patentee invented his claimed invention ? the patent is invalid.? But even when some elements of a claim are not found in a single piece of prior art, the patent is also invalid if the claimed invention represents an obvious change to the prior art.

Anyone who believes that published prior art invalidates a patent may present the prior art to the Patent Office and ask that it reexamine the patent and either cancel it, or narrow its claims.? Alternatively, an issued patent can be invalidated by a court.

Because the patent claims determine both infringement and validity of a patent, much of patent litigation is devoted to determining how the claims should be interpreted.? The patent holder will ask the judge to interpret the claims in such a way that they cover the defendant?s product or activities that are accused of infringement, but must be careful not to have the claims interpreted so broadly that they will cover prior art and therefore be invalidated.? The defendant will ask the judge to interpret the claims so that they require something that is missing from its product or activities, so that there is no infringement, or to interpret them so that they cover a piece of prior art, so that the patent is invalid.

Remedies for infringement include damages suffered by the patent holder as a result of the infringement, an injunction against future infringement and, if the patent holder shows that the defendant infringed willfully, the court has discretion to award up to three times the damages proved, and award attorneys? fees.

Patents on the Internet

The patents that media companies are accused of infringing often are ones covering software or business methods related to the Internet.? The development of the Internet coincided with an expansion of the scope of patentable subject matter to cover software and business methods.? The result has been the issuance of numerous patents covering various aspects of the Internet, including various business methods that use the Internet, and software used in connection with the Internet.? Many of these patents may be valid and cover genuine new and non-obvious advances.? Many of them, however, are questionable at best.

The Electronic Freedom Foundation, for example, keeps a ?Ten Most Wanted List? of patents that it believes are invalid.[10]? These include patents covering sending and receiving streaming audio and video over the Internet, allowing users of a website to create and retrieve information from personally-named subdomains, administering and scoring tests over the Internet, and podcasting.? Other patents of at best questionable validity include the one quoted previously covering a method for constructing press releases, a patent covering transfer of money from one account to another over the Internet, and providing ?click to call? links for merchants that are included in the results of an Internet search.

The number of questionable Internet and business method patents is due in part to the relative newness of the Internet and of patents on business methods.? The Patent Office does best at finding prior art when it takes the form of previous patents.? It is not nearly as good at finding non-patent publications or unpublished information about prior public use of technology.? When the first wave of Internet patent applications were filed, the relevant prior art was often the unpatented public use of small dot-com startups.? Because these companies were often short lived, they frequently left little written evidence of their use that would be found by the Patent Office, with the result that more patents of questionable validity have been issued in this area.

The rapid development of the Internet may also be partly responsible for the large number of infringement allegations.? The claims of a patent are usually written with broad language that goes beyond the particular invention that the patentee created.? This is done because if the claims describe an invention in precise detail, a minor variation on what the claims describe may avoid infringement but still be within the scope of what the inventor created.? But in a rapidly developing area of technology such as the Internet or business methods, general language in a patent?s claims may be broad enough to cover not only what the inventor had in mind when he applied for his patent, and foreseeable variations on it, but also technology developed in the future that was not what the inventor had in mind when he applied for his patent.? In some cases patents pre-dating the Internet that cover simple electronic transmission of information may later be found to be sufficiently broad to cover transmission of information over the Internet.

A concurrent development that has increased the threat of patent infringement claims to companies of all kinds, media companies included, is the rise of the ?patent troll? or, less pejoratively, the Non-Practicing Entity.? An NPE is a company that owns one or more patents but does not practice the inventions that they cover.? NPEs derive most or all of their income from enforcing their patents ? licensing alleged infringers and suing for damages.? Acacia Technologies, mentioned at the beginning of this article, is an example of an NPE.? NPEs have changed the face of patent infringement litigation because they are not vulnerable to counterclaims of patent infringement.[11]? Traditionally, patents were owned by companies who operated in the areas of technology that their patents protected.? Before suing a competitor for patent infringement, an operating company had to assess the risk that the competitor would turn around and sue it for infringing patents owned by the competitor.? Often that risk would lead to a decision not to sue.? Because NPEs have no operations, however, they are not subject to counterclaims for patent infringement, freeing them from that restraint on enforcing their patents.? Also, because NPEs have no operations, it is easy for them to incorporate and set up business in plaintiff-friendly forums, such as the Eastern District of Texas, which has the heaviest patent litigation docket by far of any of the federal judicial districts.[12]

The financial risk from a patent infringement claim can be high.? In addition to the threat of a damages award, and an injunction that may require a company to change how it does business, defending a patent infringement suits entails substantial legal costs.? The latest Economic Survey of the American Intellectual Property Law Association reports that median litigation costs for a patent infringement suit in which $1 million to $25 million is at risk amount to $1.5 million through the end of discovery and $2.5 million inclusive of all costs.[13]? Costs are higher for cases with more than $25 million at risk and less for those with less than $1 million at risk.

The Increasing Patent Attack on Media companies

As media companies innovate and develop new platforms for serving content, they have become an increasingly prominent target for NPEs.? For example, Software Rights Archive LLC, known as ?SRA,? acquired a family of patents directed to software for use in legal research.? The patents claim that by looking at the various connections between cases, such as the manner in which legal opinions cross-cite each other, a search engine can locate pools of cases that may be relevant to the researcher.[14]? Between 2009 and 2011, Software Rights Archive sued the major Internet search engines for patent infringement, claiming that their method of ranking Internet search results based on the hyperlink connections between pages infringed their legal research patents.[15]? Recently, however, SRA has begun asserting its patents even more broadly.? For example, on July 27, 2012, SRA sued LinkedIn, alleging that its method of locating individuals based on their connections to other individuals infringe its patents.[16]? On the same day, SRA sued Facebook, alleging that its method for locating and serving relevant news articles also infringed its patent.[17]

In addition to SRA, Unified Messaging Solutions LLC, known as ?UMS,? has recently been using its patent portfolio to attack media companies.? Like SRA, UMS has no operations and exists only to monetize its patents.? The media reports that UMS appears to be a subsidiary of Acacia Research Group LLC, one of the largest patent holding companies.[18]? UMS owns a patent family directed at a system for routing incoming faxes to individual recipients.? Nonetheless, UMS has taken an expansive reading of its patents and asserted them against websites that allow users to message each other.

UMS has recently filed suit against nearly 100 companies in jurisdictions across the country, each asserting nearly identical claims using a template complaint.? UMS has asserted its patents against Time Warner Cable Inc., AOL Inc., American Airlines, Inc., Google Inc., Travelocity.com LP, Twitter, Inc.[19] ?In one suit, UMS?s attorneys famously forgot to ?fill in the blank? and included the following allegation:

38. Defendant has committed direct infringement as alleged in Counts I through V at least through operation of its ?Orders & Activity? feature accessible at least through its website, www._______.com[20]

Because UMS filed all of the lawsuits recently, none has gone to trial.? In the meantime, many defendants have entered settlement agreements with UMS to escape the lawsuit early.[21]? Although settlement agreements are, by their terms, confidential, some estimate a typical settlement with UMS includes ?a one-time payment of about $300,000, which is low enough that a public company usually does not have to disclose the amount and makes settling an attractive alternative to the time and expense of a trial, which could cost $1 million to $5 million.?[22]

Lodsys LLC is yet another example of a NPE targeting media companies.? Lodsys owns patents that claim methods for obtaining user feedback on a product.? Lodsys has filed eleven infringement actions against a variety of defendants, all in the Eastern District of Texas, including a suit against Playboy Enterprises and other defendants for ?try and buy? subscription offerings on their website.? The case is currently pending.? In addition, after Lodsys sent The New York Times Company demand letters, The New York Times sued it in Chicago, asking the court to rule that tracking click-through for ads on its website does not infringe the patents.? Lodsys responded by suing the Times for infringement in the Eastern District of Texas.? Both cases have now been settled.

Pre-Litigation Defensive Measures

There are numerous preventive actions that can be taken to reduce the risk that patent infringement suits pose.? One strategy is to identify higher risk activities and ensure they are undertaken only after a diligent analysis.? Another is to position yourself to improve your ability to defend against future suits.? These are interconnected strategies that work together to reduce the overall risk.? A company that is well equipped to defend any suit makes a less attractive target.

Risk management requires identifying high risk activities

Identifying high risk activities is an important first step.? The risk of suit is not the same for all aspects of a media company?s operation.? As discussed above, patent only granted for new invention and expire 20 years[23] after the filing date of the application.? Operations that have been unchanged for more than 20 years thus are unlikely to be subject to anther party?s valid patent protection.? Unfortunately, they may be subject to an invalid patent.? Where a company?s operations have been used only internally or maintained as trade secrets, they may in fact be patented by someone else who believes he is the first inventor.

For example, over the last 30 years Company A has been using a particular behind-the-scenes method for associating media content with appropriate advertisements.? If Company B independently develops the same method in 2005 and applies for a patent on it, the Patent Office probably will not be aware of Company A?s prior invention and use.? Believing the method was first invented in 2005, the USPTO issues Company B a patent.? To defend against an infringement claim by Company B on that patent, Company A can prove that it invented the method first.? But it is not enough for an employee or officer to simply testify that the method has been in use for ages.? Instead, any oral testimony must be corroborated with documentary evidence.? To facilitate this future defense, therefore, it is important to implement a policy of keeping documents that record the use and development of your technology and business methods.

Although even traditional practices are susceptible to the risk of an infringement claim, the risk of suit increases when innovating and exploring new business models.? When these new business models involve technology areas that are aggressively patented, the risk is even greater.? For example, business methods unconnected to any technology are not themselves subject to numerous patents.[24]? On the other hand, innovations involving the Internet or computing technology (such as mobile devices) are.? Once the high risk activities are identified, it should be determined whether they may be covered by another another?s valid patent.

Careful analysis should be conducted before engaging in high risk activities

There are several ways to determine whether an activity may already be patented, each with its own advantages and limitations.? One option to is to obtain a lawyer?s ?freedom to operate? opinion. ?This process involves first conducting a search for relevant patents.? These searches are typically done by specialized patent searching companies retained by a lawyer.? When the search is completed, the lawyer analyzes the search results and provides an opinion that describes the level of risk a proposed activity poses.? When no problematic patents are found, the lawyer may give an opinion that the risk is low.? Most lawyers, however, are reluctant to give such opinions without extensive searching and strong cautionary language noting the impossibility of locating all relevant patents.? Because even diligent searching cannot guarantee that all potentially problematic patents are located, freedom to operate opinions are often expensive and of limited value.

Another way to locate patents that may cover new business methods or technology is to apply for a patent on that innovation.? Although obtaining a patent certainly does not guarantee that practicing the patented invention is free from risk, the examination process may incidentally turn up other relevant patents.? Notably, a patent applicant?s examination process includes a prior art search conducted by the Patent Office.? Thus, filing a patent application that covers a new innovation essentially enlists the Patent Office to search for related earlier inventions.? The application process can therefore be used indirectly to locate patents that may pose a threat.? But this process can take a long time to complete.? Depending on the specific technology area of the application, it may take nearly four years before the Patent Office before it begins examination.[25]? Further, there is certainly no guarantee the Patent Office?s search will uncover all potentially problematic patents.

A more formidable opponent is less likely to get sued

Obtaining patents, however, has other more direct benefits that also help reduce the likelihood of being sued.? An effective tactic for defendants when a competitor sues for patent infringement is a counter-claim that the plaintiff is infringing one of the defendant?s patents.? Building a defensive patent portfolio to deter infringement suits, however, is effective only against a plaintiff that is operating in an area in which you have patent protection.? As mentioned previously, a defensive portfolio is not effective against NPEs, because they have no operations other than suing for patent infringement.

Require licensors to indemnify you

Using the technology of others can also pose patent infringement risks.? A company that obtains the e-commerce portion of its website from a third-party vendor, for example, may face patent infringement claims for using that technology, because use of an infringing product or method developed by someone else is itself infringement.? It is therefore prudent to demand that technology licenses and service agreements include a warranty against patent and copyright infringement claims arising from use of the licensed technology.? Often, however, these warrantees are be limited to the cost of the equipment or services provided, which generally is not much compared to the potential damages and attorneys? fees in a patent infringement suit.? Of course, whether or not a patent infringement warranty is limited in amount, like all warranties it is only as good as the financial capacity of the company giving it.

Defensive Measures after suit has been filed

When patent infringement suit is filed, one of the first steps for the defendant to consider is whether there are any other parties to ally with to build a common defense and pool defense costs and resources.? Any co-defendants are natural allies, as are other companies who have been sued on the same patent in other lawsuits.? In addition, companies that have not yet been sued may recognize that they are potential future targets and therefore have a common interest in invalidating the patent, and may be willing to contribute resources.

A plaintiff must first prove that you infringe

Whether alone or as part of a joint defense, consideration should be given to whether the patent is actually infringed.? To prove infringement, the patent owner must show that a single entity performs each of the steps of a patented method (or sells a device that has each of the elements of a patented device).? This requirement may be particularly helpful for media companies, which frequently use technologies that distribute content and advertisements over the Internet or through mobile devices.? The method claims of patents covering these technologies often include some steps that take place on the provider?s server and others on the end-user?s computer.? In these cases, neither the provider nor the end user performs each of the steps in the claim, and neither infringes.? Although a party cannot avoid infringement by acting as a ?mastermind? and having others carry out the claim elements on its behalf, mere arm?s-length cooperation between a provider and customer does not give rise to infringement.[26]

Invalidating a patent not only avoids liability, but also destroys a plaintiff?s valuable asset

Even if each of the patented elements is performed, there can be no infringement if the patent is invalid.? Proving a patent is invalid often involves locating prior art through a process that often feels like trying to find a needle in a hay stack.? There are many methods of searching for prior art that can be used either individually or in conjunction with each other.? Traditionally, prior art searches have been done by a patent researcher who performs electronic searches of patents and patent applications, academic publications, and the general Internet as well as contacting companies or individuals likely to have relevant information.? Specialized prior art search companies can be retained for this.? Experts in the relevant area of technology can also be helpful in locating prior art, even if they do not have much experience with searching databases, because they often have industry contacts and know the key players that working in field during the relevant time period.

Recently, ?crowdsourcing? has been applied to prior art searching.? Crowdsourcing is the process of bringing together a large community of individuals to work on a task that ordinarily would be done by one person.? For example, a company that calls itself Article One Partners has developed a community of thousands of individuals that search for prior art.[27]? Article One can be hired to post a ?bounty? that will be paid to any of their searchers who locates prior art that invalidates a target patent.? This system allows a defendant to harness the power of thousands of individuals searching for prior art and pay only when invalidating art is located.? Crowd sourcing can also be done more informally.? A public relations company that was sued for infringing the patent on creating press releases mentioned at the beginning of this article set up a website to publicize its predicament and ask for prior art.[28]? Similarly, when the software company Blackboard Inc. sued to enforce an e-learning patent that many competitors thought was invalid, the defendants created a Wikipedia page on the history of e-learning and were able to gather a large amount of useful prior art.[29]? Also, a carefully drafted and strategically placed advertisement in a trade journal covering the technology at issue may entice individuals with relevant information to come forward.? But no matter how it is performed, prior art searching is an amorphous process that depends not only on the quality of the search, but on the existence of prior art.

When prior art is located, there are two procedures available to challenge the patent.? First, a defendant can file a counter-claim in the lawsuit and ask that the court declare the patent invalid.? Second, if the prior art is a publication that was not viewed by the Patent Office during examination of the patent application, the defendant can institute a ?reexamination.?? This is a process in which the prior art is submitted to the Patent Office to decide whether the patent should be either narrowed or canceled.? While the reexamination is taking place, the lawsuit may be placed on hold. ?In either case, a strong attack on a patent?s validity or scope not only threatens the plaintiff?s ability to collect damages in the pending suit, but also its ability to enforce the patent going forward. ?A plaintiff?s desire to avoid the risk of a either a court or the Patent Office publicly announcing its patent?s invalidity often pressures a plaintiff to discuss settlement.

A successful defense minimizes the remedies available to the plaintiff

In addition to arguing noninfringement and attacking the validity of a patent, another defense strategy is to undercut the remedies available to the patent owner.? In general, potential remedies for patent infringement include an injunction against future infringement and damages measured as either the profits lost by the patentee or a reasonable royalty.? Injunctions and damages, however, are each not always available.? For example, an NPE that does not itself make and use the patented invention may not be able to obtain an injunction.[30]? The damages available to an NPE are also limited.? Most patent holders prefer to seek lost profits over a reasonably royalty, which is typically between one third and one fourth of the lost profits.? Lost profits, however, are not available to an NPE who does not itself make and sell the product or service covered by the patent.? Thus, when an NPE?s valid patent is infringed, the primary remedy it will have available is limited to a reasonable royalty.

Patent damages can also be limited if substantially all patented products sold by the patent owner or its licensees are not marked with the patent number (i.e., ?Protected by U.S. Patent No. X,XXX,XXX).? If products were not marked, no damages are available until the defendant received actual notice of infringement, usually in the form of a demand letter.[31]? This marking requirement can be problematic for NPEs who target multiple defendants.? Often, such suits are settled with licenses that do not require the defendants to mark their products with the number of the NPE?s patent.? By failing to require marking, an NPE may waive its ability to collect damages accruing before a defendant receives actual notice.? Thus, even if infringement of an NPE?s valid patent is found, it may not be able to obtain an injunction or collect substantial damages.

Whether the defense is noninfringement, invalidity, an attack on damages, or a counterclaim, it is unlikely that defense will be a silver bullet that cleanly knocks out a plaintiff?s claim.? But likewise, it is unlikely the plaintiff has a patent that is clearly infringed and unquestionably valid.? In most cases, there is a balance of uncertainty that leads to settlement.[32]? Plaintiffs risk that their patent will be held invalid, or that their legal fees exceed the damages they collect.? Conversely, defendants risk an injunction or a large damages verdict.? These risks provide both parties with a strong incentive to settle and avoid a jury trial.? Thus, simply because a defense is not a silver bullet, it remains valuable?the stronger the defense, the more likely is a favorable settlement.

Conclusion

As media companies creatively grow their business and use the Internet and computing devices, they become increasingly tempting targets for NPEs.? These suits are expensive to defend and may result in a substantial damages award.? Media companies should therefore proactively take steps to reduce the risk of suit.? But if sued, careful strategy should be employed to either defeat the infringement claim or position a favorable settlement.



[1] Gooseberry Natural Resources LLC v. Cox Enter. Inc. et al., No. 2:10-cv-09220-JHN -CW (C.D. Cal. filed Dec. 1, 2010).

[2] http://acaciatechnologies.com/licensees.htm; Acacia Awarded $12.4 Million in Patent Infringement Case against Yahoo, http://techcrunch.com/2010/02/03/acacia-patent-lawsuit-yahoo/ (Feb. 3, 2010).

[3] U.S. Patent No. 7,669,123 to Mark Zuckerberg et al., (filed Aug. 11, 2006) (issued Feb. 23, 2010).

[4] Gannett Satellite Information Network, Inc. v. Office Media Network, No. 1:08-cv-00096-GMS (D. Del. filed Feb. 14, 2008).

[5] TV Guide Online Inc. et al v. Tribune Media Services Inc., No. 1:05-cv-00725-LPS (D. Del. filed Oct. 12, 2005).

[8] 130 S. Ct. 3218 (2010).

[9] System & Method for Structured News Release Generation and Distribution, U.S. Patent No. 6,370,535 (filed Aug. 20, 1999).

[10] The Electronic Freedom Foundation attempts to gather prior art that would invalidate these patents, and then present them to the US Patent Office for reexamination.? Electronic Freedom Foundation, http://w2.eff.org/patent (last visited Feb. 2, 2011).

[11] Sannu K. Shrestha, Trolls Or Market-Makers? An Empirical Analysis Of Nonpracticing Entities, 110 Colum. L. Rev. 114, 116 (2010).

[12] See Sam Williams, A Haven for Patent Pirates: In One Federal Court in East Texas, Plaintiffs Have Such an Easy Time Winning Patent-Infringement Lawsuits Against Big-tech Companies that Defendants Often Chose to Settle Rather than Fight, Technology Review, Feb 3, 2006, available at http//www.technologyreview.com/ read_article.aspx?id=16280&ch=infotech.

[13] American Intellectual Property Law Association, AIPLA Report of the Economic Survey 2009 at 29.

[14] The patents are US5544352, US5832494, and US6233571.

[15] Software Rights Archive, LLC v. Google Inc. et al , 5:2009mc80004 (Filed: January 20, 2009 N.D. Cal.); Software Rights Archive, LLC v. Microsoft Corporation, 2:11-cv-01187; (Filed on July 15, 2011 W.D. Wash.).

[16] Software Rights Archive LLC v. Linkedin Corporation, 3:12-cv-03971 (Filed on July 27, 2012 N.D. Cal.)

[17] Software Rights Archive, LLC v. Facebook, Inc. 3:12-cv-03970 (Filed on July 27, 2012 N.D. Cal.)

[18] http://gigaom.com/2012/05/15/patent-troll-tries-to-mangle-hand-craft-site-etsy/

[19] Unified Messaging Solutions LLC v. Google Inc et al 6:11-cv-00464 (E.D. Tex).

[20] Unified Messaging Solutions, LLC v. Etsy, Inc 1:2012cv03829 (S.D.N.Y.)

[21] http://www.bizjournals.com/austin/print-edition/2012/07/06/successful-patent-troll-targets-homeaway.html?page=all

[23] 35 U.S.C. ? 154(a)(2); but cf. 35 U.S.C. ? 154(c)(1) (A patent that is in force on or that results from an application filed before June 8, 1995 expires 20 years from filing or 17 years from grant, whichever is longer).

[24] Until recently, it was unclear whether business methods were even eligible for patent protection.? See, e.g., In Re Bilski, 545 F.3d 943, 961 (Fed. Cir. 2008), aff?d sub. nom Bilski v. Kappos, 130 S. Ct. 3218 (2010).

[25] How Long Do I Wait for a First Office Action?, http://www.patentlyo.com/patent/2010/05/how-long-do-i-wait-for-a-first-office-action.html (last visited Feb. 2, 2011).

[26] BMC Resources, Inc. v. Paymentech, L.P., 498 F.3d 1373 (Fed. Cir. 2007).

[27] See http://www.articleonepartners.com/ (last accessed Feb. 2, 2011).

[28] See http://pressreleasedistributors.org/ (last visited Feb. 2, 2011).

[29] History of Virtual Learning Environments, http://en.wikipedia.org/wiki/History_of_virtual_learning_environments (last visited Feb. 2, 2011).

[30] eBay Inc. v. MercExchange, L.L.C., 547 U.S. 388 (2006).

[31] 35 U.S.C. ? 287.? The marking requirement does not apply to patent claims that cover methods, since there is nothing to mark.

[32] Most patent cases are resolved by settlement rather than after trial or by motion for summary judgment. ?Shrestha, 110 Colum. L. Rev. at 156.

Source: http://www.medialawmonitor.com/2012/09/patent-infringement-issues-affecting-media-companies/

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