The Patenting Process

The entire patent process involves a period of twelve to twenty months whereby an inventor first files a temporary/provisional application and thereafter files for a permanent/complete application twelve months later. The complete application takes about 9 months to be registered.

An inventor has the option to file a permanent application instead of a temporary one first, however, it is to the inventor’s advantage to file for a temporary patent first and here is why:

The inventor receives valuable time to complete, test, manufacture and refine his or her invention to perfection before filing for a permanent application, which is more expensive compared to a temporary application. This then enables the inventor to be more specific and prepare a far more detailed permanent patent application, enabling the maximum patent protection for the invention.

It is of the utmost importance however to keep all detail relating to your invention and/or any modifications done during the twelve month period extremely confidential at all times because if any of the information had to leak, it will no longer qualify to be “new”.

There is one disadvantage to filing a temporary application however, and that is that the application does not provide the owner of the invention with enforceable rights what so ever meaning the inventor is not entitles to take legal action or any steps in attempt to stop anyone from using and/or trading with his or her invention as described in post.

Only a permanent patent protection grant by the US patent office allows the inventor enforceable rights. And, it is also not up to the Patent office who granted the patent protection to enforce the protection rights, but solely up to the owner of the invention. The only purpose a temporary application serves is to provide protection for an inventor’s invention while in the final stages of completion and testing of commercial potentials.

The temporary patent application allows the inventor priority legal rights that may be prosecuted within a period of twelve months in other countries who will allow one to patent the invention as explained on

The most important is to ensure the utmost secrecy and to never disclose any information regarding the invention, never use the invention or show anyone the invention even your family or friends of they are not legally bound by a contract.


Searching for business loans

You should learn about the ways to get business capital to help you improve your business.

Choosing a lender is an area where many people struggle. You want to make sure that you are choosing the right lender to help you get your business up and running and this can help you to be a success. A lender is someone that you will work closely with during the duration of your business and this is how you will stay strong throughout your business routine.

The first place to start when finding a lender is by using your own computer. Many people think that you have to travel to a bank to apply for a loan. This is not the case and you can apply for almost any loan you want online. You will not have to waste a great deal of time contacting each lender personally. You can choose one site and you will have access to many lenders. This can show you what is out there for you and your business needs. You will be able to make a much better choice about the right lender to work with.

You need to gather your criteria before you start and there is often information that you will need to have to get the right quotes. You should begin to explore the information that you need to get this loan going and you can begin to get this information ready. You may have to look for the right documents or get them from the source.

When you are ready to get your quotes, you will find that this is often very simple. Any of the information that is needed will be specific and this can help you to ensure that you are entering the right information to help you get the best deal for a commercial loan. You should make sure that you are in a quiet place when you are completing this step and this will help you to enter all information the right way.

Business capital is imperative to any business. Business loan will help you to stay strong and get your business started. This is a loan that can be open to anyone up to a new business and this is something that is easier than ever to obtain.


Personal Loans Are Fast

Fast personal loans as they are called are mostly unsecured in nature. One can apply the loan online by submitting the details related to their employment and financial status. An applicant must be the citizen of Singapore who must be 18 years of age. The applicant needs to have an active bank account in their name. All that the lenders require is to confirm the repaying capacity of the borrowers.

This is normally done with the verification of the details offered by the applicant and the same is done by phone or online so as to cut on the time required for processing. Once the lenders are convinced about the credentials of the borrower they approve the installment loan and the loan amount is wired to the applicants bank account within a time frame of a few hours.

Fast personal loans are unsecured and the risk is high and hence they carry a high interest rate with short repayment periods. There are a lot of money lending companies in Singapore, so you must do a research in order to find the best lender.

Thus, fast online personal loans can prove to be a real help for those in immediate cash requirement and do not wish to through the more traditional lending methodology. One must do a research while selecting the lenders online since there are a lot of fake websites too. If one gets a loan offer for little higher interest rates but with a reputed lender one should go for the same rather than taking a loan from the less known lender at a lower interest rate.

Finance Travel

How travel insurance protects you?

For a lot of people who purchase travel insurance policies, the benefits they will get from health insurance is the main consideration.

This is due to the fact that medical benefits include coverage for non-excluded medical treatment for illness or injuries occurring during the period of the insurance. The reimbursement of the covered expenses during the treatment is given according to the reasonable, usual and customary rates in the place where you want to be treated.

Usually, medical expenses coverage include nursing services, intensive care, physician’s visits, medications, diagnostic testing, professional services, hospital accommodation and ambulance transportation. Some insurance agencies also sometimes allow treatment for pre-existing conditions when there’s a need for immediate care.

For example, a person suffering from asthma attack needs immediate medical attention of a doctor. Immediate care for pre-existing condition oftentimes has limited benefits that are lesser than those that are given for emergency care not related to pre-existing conditions.

In order to get the best travel insurance, it is important to conduct some research, understand and check the travel insurance policy exclusions before accepting the coverage. Some insurance agencies also provide supplementary hospital insurance among your benefits, meaning that the agencies will directly pay a fixed daily fee to the insured person for the whole duration of stay in the hospital. This kind of benefit is added to the hospital charges that are also qualified medical costs.

If you have emergency medical evacuation insurance, the coverage will include the transportation costs when there is a need for you to be evacuated to a facility that can offer you appropriate and sufficient medical assistance and treatment. Usually, it is the travel insurance agencies that determine the facility and not that the insured individual.

There are also times where you have to be returned to your country to give you proper medical attention. This is called medical repatriation insurance, which can be very expensive. That is why lots of travel insurance agencies provide a separate as well as maximum coverage limit to medical repatriation insurance.

It is also possible for you to find some supplementary benefits from travel insurance agencies like common carrier accidental death. In case you die during your trip, your beneficiaries listed on the policy will get a particular amount from the travel insurance company. On the other hand, you should also keep in mind that like other life insurance plans, travel insurance offers certain limits in payment of benefits plus, some reasons of death will be barred.


About Personal Loans

Applying for a bank personal loan in Singapore can sometimes feel like an actual journey. Gathering all the paperwork, facing the queues, facing the skeptical bank loan officers and having to wait for a response can be a dreadful experience for many of you (and even more so when your need for money is urgent and simply unavoidable).

A bank personal loan takes long to be approved (if it is approved) and that is because banks work on a very bureaucratic-like system. Your application will have to go through many hands and there will be multiple checks on your credit score, on your background and on all the other factors that will influence the bank’s decision of approving or rejecting your application.

On the other hand, if you want to avoid both the hassle and the long waiting, you should know that you can call for the help from a licensed money lender Singapore. Taking a personal loan from such a source means that you will have your application approved in less than 24 hours and it also means that you stand a much better chance of being approved even if your credit score is not the most fortunate one.

Money lending is definitely not a new activity and the truth is that it has been around us ever since the dawn of civilization, when people started to exchange goods. Although the best thing is to save money and never have to actually ask for financing from anyone (or from any institution out there), sometimes this will be simply unavoidable.

Asking for the help of a licensed moneylender is the most suitable option for a lot of people. Here are 3 ways in which these moneylenders can help you:

1. A licensed moneylender will be the only one authorized to release foreigner loans, which makes their activity quite well-known among those who are not citizens of this country and who need money to send back home or to meet certain unexpected expenses.

2. A licensed moneylender can also give payday loans. These loans are very fast solutions that do not require any kind of collateral and which can be very helpful if you need money as soon as possible for an urgent expense.

3. Last, but not least, moneylenders are not as thorough with their credit check as banks are, which makes them more attractive for people who have not been very good in their past financial actions.


Museums are like history books

Some museums are destinations in their own right. One of the main reasons for some people to visit Paris is to enter under the glass pyramid of the Louvre and visit the mealy mouthed Mona Lisa and nothing distills the essence of Russia’s grand and tumultuous past better than a trip around The Hermitage. Cairo’s Egyptian Museum is a perfect introduction to the vast entirety of Egypt’s history and the kind of desert art and architecture most travelers come to Egypt to experience, and The Met is so famous and synonymous with the city that even people just going to New York for the shopping won’t leave it off their to-do list.

Visiting all the museums in these great cities is nigh on impossible, but it is the smaller ones which have often had to be the greatest survivors, relying on only small amounts of funding, but many have fantastically interesting things to say, so after you’ve had your introduction to a place in one of the larger museums it is worth seeking out one of the smaller collections for the same reason, to really discover what themes and things are important to a place. Or else just to sate your own appetite for learning. This world throughout history has been a pretty mind expanding place! There are quite a few Art portals online, such as The Art Insider, where you can read about all these museums, art news and many more, so educating yourself about a museum you want to visit online first would be beneficial.

Just like a city visit there are many ways to visit a museum, but three main options come to mind; join a tour and learn a bit more than the plaques say tell about the highlights, plan your trip in advance and mark out a route making sure not to miss anything. For me this leaves my mind open to discovering something new. And if any artifact is that important there are bound to be signs or queues pointing it out to me – if not then I don’t think I shall be too sorry to miss it, just like in a city there are some places that are famous for the wrong reasons and not worth seeing after all. I’d rather see something unexpectedly fantastic!