The World Intellectual Property Organization, or better known as WIPO, is an agency of the United Nations. The agency was created in 1967 and its headquarters are in Geneva, Switzerland. Its function is to promote and protect the use of intellectual property (IP), as well as stimulate creativity for countries in the areas of cultural, social and economic development. The agency has 186 member states and administers 25 international treaties.
Intellectual property, or best known as IP, is the inventions, written works, artistic works, names, logos, and designs used in commerce. There are two divisions of IP. The first is industrial property, which is summed up as patents, trademarks, industrial designs, and geographic indications of source. The second is copyright, which covers written works, artistic works, musical works, or all things that performing artists develop.
WIPO works with IP offices throughout the world to provide the most up to date IP statistics. The agency releases reports on the statistics of worldwide IP activity and on the use of administered treaties, which protect IP rights internationally. These reports play significance in understanding business and technology trends around the world.
As well as providing these reports, the agency provides many search options that will provide data and statistics. Some of these are as follows and can be searched at http://www.wipo.int/ipstats/en:
- Statistics Data Center: The information provided by this search is meant for IP professionals, policymakers, and researchers all over the world. The searches will return statistical data in the areas of patent, trademark, industrial design, and utility model. Users can search by indicator type, report type, or year range.
- Statistical Country Profiles: The search is selected by country; a list is provided to choose from. The information returned will provide data on patents, utility models, trademarks, and industrial designs. Detailed information on filings is also provided, including incoming and outgoing filings, the number of filings in certain technological fields, and the use of International IP systems. Information returned is very easy to understand as it is provided in pie charts and graphs, as well as text.
- Patent Cooperation Treaty (PCT) System: The information found here will provide statistics on international patent applications only. The statistics are broken down monthly, quarterly, or yearly. The statistics can be found as far back as 1985.
WIPO promotes the use of the International IP system through services, which run systems making it easy to obtain international protection on trademarks, patents, and designs; through law by developing the legal framework which keeps up with the ever-changing needs of an international society; with an infrastructure providing networks and platforms that share knowledge and free databases; and supports the development of the use of IP.
There is also a free public resource title WIPO GOLD that provides users with all searchable IP data under one umbrella. A user can search by technology, brands, domain name, statistics, designs, laws and treaties, classifications, and WIPO standards. This one-stop site can be found at: http://www.wipo.int/wipogold/en/.
Wage garnishment is a means for a creditor or agency to collect a debt that is owed by an individual. It could be for past due child support, back taxes, defaulted student loans, a past due credit card, or any other type of monetary judgment filed against an individual by a third party or creditor. A percentage of a debtor’s income would be directly deducted from their pay by their employer to repay the debt until it is satisfied.
Here are five things one should know about garnishing the wages of an individual:
- Each state or locality will have its own set of procedures; but most often the creditor, agency, or individual filing the garnishment will take the paperwork and information of the debtor’s employer to the local sheriff’s office. In turn, the sheriff’s office will serve the garnishment to the employer. The employer is then obligated to deduct the proper amount from the debtor’s paycheck. There might be cases where the garnishment cannot be collected, such as there is already a current garnishment in place that is collecting the full percentage allowed, or the debtor’s only source of income is Social Security, disability, alimony, child support, or retirement.
- There are cases where a debtor will quit his or her job to avoid garnishment; however, upon gaining new employment, the garnishment will follow to the new employer. A debtor may also file bankruptcy to avoid paying the amount owed. This action will cease all contact and collection until the case goes to court. Student loans, back taxes, back child support, or restitution are not forgiven with a bankruptcy and must still be paid.
- The Consumer Credit Protection Act, also known as CCPA, protects a debtor from losing their job as a result of garnishment. In other words, an employer cannot lawfully terminate an employee because of a debt that is being collected through garnishment. There are stipulations to this act; if more than one garnishment is filed with the employer, the debtor is no longer protected by the act.
- Regulations are in place to restrict the amount that can be taken from a debtor’s paycheck. All calculations are based on the employee’s disposable income, meaning after all taxes, Social Security, and retirement accounts are deducted from earnings. For regular garnishments–those not collected by a tax authority or government agency–the cap is the lesser of 25 percent of disposable earnings, or the remaining amount of disposable earnings that is over 30 times the federal minimum wage. Federal debts are usually collected at 15 percent of disposable income, and defaulted student loans at 10 percent.
- If a creditor or agency is willing to work with a debtor, they might come to a payment agreement and end the garnishment. A debtor also has the option to pay the amount off in full before the garnishment would be fulfilled. If this is the case, the creditor or agency would file a satisfaction of judgment with the courts.
As a creditor or government agency filing for a garnishment, you will want to be sure that all laws and regulations are researched and followed. For more information and regulations regarding wage garnishment, visit: http://www.dol.gov/compliance/topics/wages-garnishment.htm.
You may have recently heard great news that your child is soon to get married. Although this is a joyous occasion you may want to spend a little time to investigate (think Background Check) into your son or daughter’s future spouse before they are sealed in marriage. This is in no way overstepping your boundaries as a parent; it is your job to protect your children.
SearchBug’s new feature allows you to hire a private investigator to look into anyone that your child is dating and may marry. You can learn detailed information that the person might be hiding. Help protect your son or daughter so that he or she does not become involved with the wrong person.
How Do I Go About this Background Check Investigation?
First off, you are going to want to search into any criminal records. Check to see if the person your child is dating has a criminal history. A serious offense might change your child’s perception of the person he or she is dating. A small misdemeanor offense might not be something that you want to bring to light, but a felony is a crime that needs to be addressed. Hopefully your son or daughter’s future spouse has nothing to hide, but if they do then a private investigator will find out.
Private investigator services extend to more than simply looking into criminal records. A professional can find out all sorts of information such as a person’s financial status. Financial records are important to check, especially if your son or daughter is more financially well off than their partner. Have an investigator look into their partner’s credit history and financial status. Some people marry or become involved with another person solely for financial gain. You do not want to have your child exploited for his or her finances.
If the person has a history of mental issues that they are not telling your child about then a private investigator might be able to find this out. Protect your child from someone that is mentally unstable. This type of background search is good to investigate if your child just starting dating a new person. You can help guide him or her by talking to them about issues their new new friend may be hiding.
A background search on someone your child is dating is an honest concern. The love you have for your child and their safety is unmatched, so you want to do everything in your power to ensure he or she has as pleasant of a future as possible. When you hire an investigator to check into a person they are dating you are doing it for their security. Most people have nothing to hide but sometimes others have bad intentions. No one has to know that you hired a private investigator unless you find something bad.
The decision to enter into business with other people is a big commitment. Both you and your business partners are counting on each other to create a profitable company.
What if someone is not telling you something you should know?
Before you enter into business with any individual or group of people it is wise to conduct a background check. Learn about a potential business partner with private investigator services offered from SearchBug. This service was added to the website to help people in your position make informed decisions before committing to establish a relationship with an individual.
You may want to check into a potential business partner’s bank account and credit score. Figure out if he or she actually has enough money to invest; or if the investment might put them at financial risk.
It’s not a good idea to enter business with someone that has a lot to lose. Try to start a business with someone that can financially manage to lose from the initial business investment and commit to seeing results. A good indicator of a person’s ability to commit is his or her credit score. Credit scores say a lot about how a person manages money and paying bills on time.
Never enter business with someone that has a poor credit score. This means they do not know how to manage funds and pay bills on time. You could put your own credit score and finances at risk if you decide to enter into business with a person that is not responsible. A private investigator can figure these types of things out about one of your potential business partners and help save you time from committing to someone that is only going to cause you headaches.
Criminal records are also a big indicator of the character of a person. Private investigators can search into an individual’s past and check to see if any criminal records exist. Depending on the severity of a crime might make you rethink whether or not you want to proceed to work with someone.
You may want to hear what they have to say about the crime, but chances are if it is something serious you want nothing to do with him or her. A private investigator can check all sorts of things and bring to light something that could change the way you view a person.
Finding someone with business experience that wants to become your partner sounds like a good idea, but what if they are not telling the truth? Have an investigator verify a person’s place of employment and previous employment history. Check to see if they have all their cards on the table. In addition to work history, have an investigator look into education as well. Both of these subjects can prove to inform you on the credibility of any potential business partner.
Search Bug allows you to figure out good information to start, a private investigator just takes it a step further. There is nothing wrong with hiring someone to do a little research on someone you might call a business partner one day. A private investigator will help you determine the credibility of an individual. Hire investigation services so that you do not commit to someone that is not reliable.