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Buying Down Mortgage Rates
Buying Down Rates En Vogue As Higher Rates Persist Should I Buy Down My Interest Rate? Assuming the Federal Reserve cuts mortgage rates as investors expect, the housing market appears to be heading for a recovery this year. Borrowers may choose to buy down their interest rate when interest rates are high in order to […]
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2024 Texas FHA Loan Limits
There is a limit to how much a homeowner can borrow with an FHA loan, a type of mortgage guaranteed by the Federal Housing Administration. FHA Loan limits in Texas are based on a percentage of the median home price in each county if you want to buy a home with a FHA Loan. Government […]
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2024 Texas Mortgage Rates Forecast
Lower Mortgage Rates Expected in Texas Amidst Promising Signals from the Fed. There appears to be an end in sight to rising mortgage rates, at least for the time being. Despite signs of receding inflation pressures and encouraging signals from the Federal Reserve, mortgage rates have dropped markedly in recent weeks after reaching a scorching […]
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Reverse Mortgage vs. Cash-out Refinance: Your Complete Guide
Are you confused about choosing the right mortgage? Here is everything you need to know about reverse mortgages & cash-out refinance.
The post Reverse Mortgage vs. Cash-out Refinance: Your Complete Guide appeared first on Lonestar Financing.
Everything You Need to Know About Refinancing Your Mortgage
Your house is a financial asset. If you’re a homeowner, you could be hearing about refinancing from everyone from your neighbors to television anchors. You may utilize your house to leverage your investment by refinancing. Many people choose to refinance for a variety of reasons, including taking cash out of their property, decreasing their monthly […]
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30-Year Mortgages: Everything You Need to Know
Speak with the best mortgage lenders in Texas to learn how a 30-year mortgage works. Contact Savant Lonestar today!
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How to Refinance a Reverse Mortgage: The Ultimate Guide
The process of refinancing a reverse mortgage is similar to that of traditional refinance. There are standard eligibility criteria set by mortgage lenders and certain steps to be followed. In most cases, it helps stabilize the financial situation. However, it has consequences as well. So, understanding the basics of refinancing your Texas reverse mortgage loan […]
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The Underwriting Process: Everything You Need to Know
Do you know that 65% of homeowners in the US have a Mortgage? Are you planning to take out a home loan in Texas? Many mortgage lenders can help you get approved for a loan. However, one thing sets a lender apart from the rest- underwriting approval. Before applying for a mortgage, you need to […]
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How Much Money Will You Need to Purchase a Home in 2022?
Are you wondering how much money youall need to come up with in order to buy your dream home? Well, weave come up with the ultimate guide for you! Trying to figure out how much money you’ll need to purchase a house has always been difficult for first-time buyers. But in 2022, it’s become even […]
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In-House Underwriting: Top Criteria & Benefits You Must Know
Are you in the last stages of your home loan application? Now that you’ve gone through the tedious process of rate locking, appraisals, and inspections, you may be wondering what comes next, which brings us to the underwriting process. It may sound frightening at first, but it becomes much less intimidating once you understand what […]
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Smart Door Lock Statistics 2024 By Market Size, Usage, Brands And Trends
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Introduction Bluetooth Speakers Statistics: Whether you are a party […]"Defend Trade Secrets Act" - How Will This New Law Affect Your Business?
With a near unanimous (410-2) vote on April 27, 2016, the House passed the aDefend Trade Secrets Acta (aDTSAa). Having already been passed by the Senate (87-0), the legislation advances to President Obama, who has signaled that he will sign the bill into law. The law is drafted to go into effect on the day of its enactment, and will apply to misappropriation occurring on or after that date.
Read more...(wcsr.com).
Trade Secrets of the Assault Rifles
From the Daytona Beach News-Journal of Florida, a Florida contribution to the evolving role of trade secrets, concerning old-fashioned stealing, a vendetta against a former employee, and, of course, assault weapons.
The paper reports that two men -- Mark Hazelip and Jake Economou a were arrested and charged with stealing trade secrets from Tactical Machining of Deland, Florida, a company that produces upper and lower receivers for AR-15 rifles.
The two alleged stole computer programs, blueprints, drawings and a list of customers. Hazelip quit the company in January and went to work for a competitor, Daytona CNC . Economou was later fired from Tactical Machining. According to investigators, Hazelip talked of putting Tactical Machining out of business/
Instead, after a tip from another former employee working at Daytona CNC, the police aexecuted a search warrant at Daytona CNC and found the Tactical Machining blueprints and drawings for the gun parts and a spiral bound notebook with the name of clients in Hazelip's desk.aUncle Samas Economic Espionage a Not Looking for Your Trade Secrets
This follows on the heels of reports that the NSA has hacked into the systems of various foreign companies including a Brazilian state oil company.
The report quotes James Clapper, Director of National Intelligence:
aWhat we do not do, as we have said many times, is use our foreign intelligence capabilities to steal the trade secrets of foreign companies on behalf of, or give intelligence we collect, to US companies to enhance their international competitiveness or increase their bottom line.a
This issue, obviously, is far from settled.John Deere in Trade Secrets Dispute with Former Factory General Manager
From the Business Section of the Waterloo Cedar Falls (IA) Courier, a story concerning a trade secrets case by agricultural equipment maker Deere & Co. against the long-time general manager of its largest combine factory.
Deere is seeking injunctive relief against Eric Hansotia, who was hired by Deere competitor AGCO into a position that "significantly overlaps" his old job.
The case is pending in federal court in Illinois.
By the sound of the allegations, the case concerns both inevitable disclosure type claims, but also has claims that the defendant aIn his last four days of work . . . connected portable electronic storage devices, some of which computer logs indicate contained Deere trade secrets, to his Deere computer, and he may have kept those devices after his employment ended.a Chinese Trade Secrets Theft Hits US Universities
Now, in a new twist, Reuters reports that three Chinese researchers at NYU Langone Medical Center have been charged in federal court with bribery in connection with theft of trade secrets relating to MRI technology.
The researchers apparently received at least $400,000 in bribes to provide information to a Chinese Medical Imaging company, United Imaging Healthcare, and a Chinese government-backed research institute, Shenzen Institute of Advanced Technology.
The three were charged in federal court in the Southern District of New York where the US Attorney doesnat play.
Man Bites Dog!
Morning Whistle, an unsourced report that publisher and education company Pearson has been sued for stealing the trade secrets of a Chinese competitor, CentriPoint (China).
According to the report, Pearson VUE, Pearsonas computer-based testing division, acquired Certiport on May 15, 2012, but decided to suspend the online service of Certiport (China).
That company now claims that Pearson stole its client list under the pretense of an audit and informed customers of the change without prior consent of the other shareholders of Certiport (China).
An initial court date is scheduled for May 23, 2013.Trade Secrets Finally Gets Toward the Top of the National Agenda
You know trade secrets has finally hit it big when the subject is covered in USA Today and the report is on the Obama Administrationas a new strategy to combat the theft of American trade secrets.
The administration has released its 141-page Strategy on Mitigating the Theft of U.S. Trade Secrets. This comes just after the president signed an executive order adesigned to help U.S. computer networks guard against cyberattacks,a as USA Today put it.
The story contains comments from Victoria Espinel, the U.S. Intellectual Property Enforcement coordinator.
In the words of USA Today:
aThe strategy includes diplomatic engagement with nations where incidents of trade secret theft are high, working with industries on the best ways to protect their secrets, and stepped up prosecutions of business espionage.a
The plan comes out at the same time as reports of Chinese Red Army hacking into U.S. computers.
Espinel says: "The administration will continue to act vigorously to combat the theft of American trade secrets that could be used by foreign companies or foreign governments to gain an unfair commercial advantage over U.S. companies."
Sounds like weare finally getting serious about a problem that has been allowed to grow for years.
Bratz-Mattel Doll Fight Ends Not with a Bang But a Whimper
Now it looks to be all over.
A prA(c)cis goes like this: designer leaves Mattel to go to MGA Entertainment where he designs the popular Bratz line of dolls. Mattell sues MGS for copyright infringement and gets a $100 million verdict and the rights to Bratz going forward.
The Ninth Circuit finds that amount excessive and sends the case back down to the trial court where the jury finds nothing for Mattel, but returns a $170 million verdict against Mattel on a counterclaim for theft of trade secrets, along with $137 million in attorneysa fees.
Now the Ninth Circuit vacates that verdict, finding it time-barred. The attorneysa fees, however, stick.
Itas time to find a cautionary tale here, but the case is so weird we may just need to chalk it up as a one-off.
A Video Overview of the Economic Espionage Act
From me (click the link), a short description of the recent changes in the EEA.Do Computer Fraud & Abuse Act Prosecutions Sometimes Go Too Far?
Offered here without commentary, an article from Slate concerning the recent suicide of Aaron Swartz who was set to go on trial next month for violations of the Computer Fraud & Abuse Act for unlocking a database of scholarly articles.
Prosecutors charging decisions a particularly the amount of prison time and penalties to be sought a are generally discretionary, rarely reviewable, and certainly subject to abuse (and not just under the CFAA).
There should be near unanimous agreement that what happened to Aaron is sad and, if an over-reaching prosecution played a role, something that ought to be rectified.
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