The National Academies Press (NAP) has partnered with Copyright Clearance Center's Rightslink service to offer you a variety of options for reusing NAP content. Through Rightslink, you may request permission to reprint NAP content in another publication, course pack, secure website, or other media. Rightslink allows you to instantly obtain permission, pay related fees, and print a license directly from the NAP website. The complete terms and conditions of your reuse license can be found in the license agreement that will be made available to you during the online order process. To request permission through Rightslink you are required to create an account by filling out a simple online form. The following list describes license reuses offered by the National Academies Press (NAP) through Rightslink:
Taking Stock of Your Online Subscriptions
Before you invest, make sure you have enough money to eat and put a roof over your head. Pay yourself first - get rid of high-cost credit card debt. But the earlier you get a start on your savings goals, the less you'll have to put away monthly to reach them. Historically, the investment that has provided the highest average rate of return over the long term has been stocks. But there are no guarantees of profits when you buy stock. Markets go up and markets go down in the short-term. That's why it is best to think long-term when considering stock market investments.
There is no better way -- over the long term -- to distribute risk than to diversify your investments. It is true that in some years, single stocks or individual sectors will outperform a diversified investment strategy, at least in the short term. But don't forget that investors who hope to gain fantastic returns by investing in a single stock or one sector have also assumed the higher risks of a more narrow investing strategy. While diversifying your investments won't bring you sky-high returns in boom times, it also means that you won't lose everything when the boom times bust.
Another way to diversify is to make sure that your retirement funds aren't all invested in your employer's stock. Even if that stock is a good long-term prospect, it is risky to have your retirement security depend in whole or in large part upon the fate of any one company.
Be honest. Do you really have the time and energy to adequately research individual stock investments? Most of us don't have the experience and expertise of Wall Street traders who read financial statements for a living. It is important to be realistic about your own time commitments. Talking to co-workers and watching TV is not good investment research! That's why many Americans begin investing not with individual stock picks, but with a broad based, low cost index fund. That way you're broadly diversified from the beginning. As you find more time and gain confidence, you'll know whether you've got the desire or interest to select individual stocks.
Before buying any stock, check out the company's financial statements on the SEC's website. All but the smallest public companies have to file financial statements with us. If the company doesn't file with us, you'll have to do a great deal of work on your own to make sure the company is legitimate and the investment appropriate for you. That's because the lack of reliable, readily available information about company finances can open the door to fraud.
Always remember that people who sell investment products make money by doing so. Which doesn't mean that they'll give you bad advice, but it does mean that you've got to take responsibility for evaluating any recommendations you get. We advise people to never rely solely on an analyst's recommendation when deciding whether to buy, hold, or sell a stock. Instead, do your own research-such as reading the prospectus for new companies or for public companies, the quarterly and annual reports filed with the SEC-to confirm whether a particular investment is appropriate for you in light of your individual financial circumstances. Don't buy any investment product you don't understand. And remember, any investment promising high returns necessarily carries a high risk that you'll lose your money.
If you have a question about investing or the securities laws, we encourage you to check out our Fast Answers or browse through our Investor Topics. You can submit questions via Questions and Comments Form. And if you have a complaint about your broker, please use our online Complaint Form.
But with so many services these days, the costs can quickly start to add up. Cutting back on your digital expenses will undoubtedly help. Here are five tips you can use to save money on your online subscriptions.
You can start by taking stock of all your subscribed services and identifying those with similar purposes. To help with this task going forward, consider paying for all your digital subscriptions using the same payment method. This way, you can easily track your recurring payments in one place.
If you are on a tight budget, or you want to save money for more important expenses, picking cheaper alternatives, especially when it comes to entertainment subscriptions, can be a very effective strategy. In fact, you would be surprised at how many free video streaming services you can find online.
Thankfully, several premium subscriptions offer group and family plans, which can help you save a lot of money in the long run. If you have a big family or live with roommates, you can take advantage of these group plans to save money on your subscription.
After reviewing your list of online subscriptions and selecting those you like to keep and use for the long haul, consider paying for annual subscriptions, if you can, instead of opting for monthly payments.
If you haven't noticed yet, we are living in an increasingly visual world. Whether online or offline, high-quality photos and illustrations are in high demand. This is especially true in online and print marketing where high-quality photos are a necessary part of an effective marketing campaign. Almost as important as choosing the right color combinations for your brand identity.
Stock photography, in general, is an archive of ready-made photos which can be licensed commercially. Getting online images from a stock photo agency is one of the best ways to legally use photos for your project. All the more when they have great potential to be high-converting images.
Using stock photos won't hurt your brand's image providing that it works for you. When using stock photos, it is important to note that the image should match your content and be relevant to your business, or appeals to your target audience.
Understanding image copyright, stock photo licensing terms, and its usage rules are necessary for you or your client to avoid costly legal battles. Although the copyright law and license agreements are somewhat complex, recognising the basic elements and terms will significantly help you make better choices.
Aside from its legal implications, using stock imagery also has some ethical concerns that you need to consider. Using someone else's photo is unethical as its a form of stealing, as is selling copyrighted photos and claiming them as your own.
Based on the stats that people are more drawn to online posts that have visual content, more and more organizations are using stock photos to drive engagement. The problem with this is that some stock images used are generic and have nothing to do with the story.
This is especially true with blogs that make use of dramatic stock photos for click-bait purposes, designed to grab the attention of online users. Choosing the right image can be a time-consuming task, but is worth the effort when you engage with your ideal target audience.
We are going to discuss some must-follow rules for using stock images. These will help to protect yourself from any issues associated with stock images. Keep on reading for tips to help ensure that you are using an image legally and ethically.
Yes. Most licenses, including royalty free and rights managed, allow you to use stock photography in your book. Sometimes the license you need varies depending on whether you want it for cover art or for in-book illustration, and there are restrictions for the number of copies, but overall this use is accepted.
Sure, why not! Social media channels are highly visual and images go a long way on these platforms. Using stock photos is a great way to feed beautiful visuals to your followers daily and easily. Just make sure to use authentic stock photos, as those are the ones that work best on social media.
Yes, if you use them wrong. You must abide by all the terms of the license you have, at all times, with your stock photos. Because infringing the license agreement and/or the copyright of the owner, the privacy right of the models, etc., can get you in trouble. And let's not even talk about using stock photos without a valid license. That's just trouble from beginning to end.
Download images only from reputable stock photography sites. Know you or your client's need before purchasing a Royalty-Free or Rights-Managed image license as they have different features and restrictions. And lastly, use stock images that are relevant to your content.
Great article!Im currently working on the choosing pictures to go with the developing on an online curriculum that will teach a certain subject for first responders. The class will be a paying class with a certification of completion at the end . What kind of royal free stock pictures and or where can I go to purchase pictures for this kind of online teaching? There will be no printing, just on line teaching and a web site to promote the class.
Because your online accounts remain active after you die, a significant portion of your Life File includes arrangements for your online activities. Digital estate planning should be a part of your overall estate planning process.
The first step in safeguarding your digital legacy is taking stock of what that legacy is comprised of. Making an inventory of your digital assets entails listing all accounts you own in one place, along with their passwords (see Step 2). 2ff7e9595c
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