Archive for September 2017

Copyright Law on Youtube Video’s

 

Copyright Law on YouTube

Is it legal to use YouTube video’s on your blog or website ?

Disclaimer I am not a lawyer. I have limited knowledge of any copyright laws. Please do not take the information in this article as legal advice.

I use YouTube video’s on this blog. I try to upload video’s from reputable YouTube sites that I assume have the copyright to the video. In saying that, if a video is not created by you, it means that someone else owns the copyright. The copyright owner has the right to give you permission to republish the video or deny you the permission.

When owners of videos publish them on YouTube, they are given the option to enable or disable the Share button for their videos. The Share button, when clicked, provides the HTML code that allows others to insert the video into their sites or blog. If the owner enables the Share button, it means that they want others to upload the video. Embedded video is just a link, the video is still on YouTube with the YouTube branding intact (including any video ads).

The YouTube TOS states the following 

You also hereby grant each user of the Service a non-exclusive license to access your Content through the Service, and to use, reproduce, distribute, display and perform such Content as permitted through the functionality of the Service and under these Terms of Service. ~~ [YouTube TOS part 6C]

This clearly states that the owner of the video grants you a limited license to embed the video simply by leaving the embed option on (which is part of the functionality of the YouTube Service).

 

There is a chance that someone other than the copyright owners has illegally uploaded the video. Uploading such videos puts your website at risk. You may have the most innocent of intentions, but if the copyright owner takes you to court, you’ll end up having to prove your innocence.
In my opinion there is little reason to fear being sued for uploading YouTube video’s into your website. The odds of copyright infringement leading to a courtroom are very slim. It is something you should be aware of if you are using YouTube video’s on your site. Here is YouTube fair use Guideline  and YouTube Copyright guideline

If you would like more information here is a link to a great article

LAW OFFICE OF RICHARD A. CHAPO

 

Happy Blogging !!

Debt A Four Letter Word

 

“Debt” A four letter word

My first “word of the week” was Debt. I choose that word because it has the most direct impact on financial independents. There is good debt and bad debt, unfortunately most households have a lot of the bad consumer debt.
Canadians have never owed as much as they do now. Debt continues to grow at 3 times inflation and is rising at four percent year over year. The latest numbers from Statistic Canada indicate that household debt now stands at 167.8 per cent of disposable income, a record high. This suggests that, on average, Canadians owe $1.68 for every $1 of disposable income. Statistics Canada.

Another new survey by the Canadian payroll association suggests almost half of workers are living pay cheque to pay cheque due to soaring spending and debt levels. The poll found that 47 per cent of respondents said it would be difficult to meet their financial obligations if their pay cheque was delayed by even a single week. The survey, which polled 4,766 Canadian employees, also found that 35 per cent said they feel overwhelmed by their level of debt. For the first time, more respondents found mortgages the most difficult debt to pay down, with 32 per cent of respondents selecting this option compared to 23 per cent who cited credit card debt.

Some economist feel that household debt is okay as net worth has risen with the debt level. Other economist see a bigger problem as the very wealthy and investors have added to their net worth, where lower and middle income earners have fallen behind. It’s not just Canadian households debt that is high, there is the federal and provincial debt. When we do get a recession both provincial and national debt will explode higher. Check out the national and provincial debt clock.

The Canadian national debt clock shows, as a country what we owe, your share, debt per day, and per hour. It changes so fast I will give you the link here National Debt Clock 

The provincial debt clock shows what your province owes as well as your share Provincial Debt Clock

When we combine household, provincial, and federal debt, Canadians have a lot of a four letter word. “DEBT”

“Savings are a gift to the future, Debt is a burden on it”.

Ernest Hemingway Quote  “How did you go bankrupt?
Two ways. Gradually, then suddenly.”

Just For Fun !! World Debt Clock US Debt Clock