Nintendo’s Draconian Stance Against System Modification

Nintendo is one of the most creative and innovative video game companies in the world, but their stance against modifications of their products is nothing short of Draconian. In short, Nintendo says there is no legitimate purpose for game copying devices, emulators, and modification (mod) chips or other devices that enable homebrew applications. Sony and Microsoft have similar stances, but are a little more discreet in expressing their disdain for such devices, though no less aggressive in filing lawsuits against large-scale distributors of such devices.

Nintendo’s own legal information FAQ states, “Mod chips circumvent the security embedded into Nintendo’s products. To install the mod chips into a Nintendo hardware system, it is necessary to dismantle the product and, in some instances, remove components.” Nintendo automatically equates using mod chips with circumventing security of NINTENDO’S products. This is an interesting view considering most of us believe that once we buy a product it is now OUR product and not the manufacturer’s. Can you imagine a car manufacturer asserting similar claims? Ford could claim that changing out the computer chip in your car circumvents the security on FORD’S product. However, most of us believe that once you pay for a vehicle it is yours to alter in most any way you choose. Nintendo claims exceptions for video game consoles that few other companies would dare claim. Nintendo claims that even though you bought the product, it still belongs to Nintendo and that altering it, no matter the reason, somehow damages Nintendo. They want the very act of altering the device to be illegal even without proof of criminal use of the modified product.

Just because a game system modification enables illegal activity does not mean it will be used for the purpose. Using the car metaphor from earlier, just because I could modify my Ford vehicle to greatly exceed the speed limit does not mean I will blow through a school zone doing 88 mph. Just because I modify my Nintendo game system does not mean I will use it to illegally copy and/or distribute games.

In almost any area outside of the video games industry, making a modification to your property would not be illegal, even if that modification could enable the performance of an illegal act. Nintendo acknowledges only one use for these devices, and that is the illegal copying and distribution of video games. This view discounts the numerous legitimate uses for modification devices. For instance, many people use their Nintendo handhelds to read classic literature. This requires the use of devices Nintendo claims are only used for piracy.

Making it illegal to modify a product you paid for is absurd. Unfortunately, if Nintendo has its way, you will pay for a device and not legally be allowed to use it for anything for which Nintendo does not approve.

Own A Franchise Financial Conversations To Have With Your Family Before Choosing A Franchise

Guest Blogger: Ray Moore, CFE, Vice President of Development, BrightStar

The successful franchisee will first and foremost find the right fit. The right fit may be the one that best fits his or her financial resources and goals. The potential franchisee should sit down with their spouse and family and ask some hard questions. Together they will have to decide what outcomes they need to realize to consider this venture a success. They will have to separate out the must have or non-negotiable outcomes before shopping for a franchise opportunity.

The couple/family should agree to the following each family will have to fill in the blanks according to their own circumstances. Its a good idea to consult an accountant:

1.We will not invest more than $_____ of our cash/liquid capital.
2.We will not borrow more than $______ in additional funds to capitalize the business.

With any start up, business owners need to have enough money, either set aside or in other income, to cover household bills and run the business for 12 to 18 months. The following questions will help determine how much is needed:

3.To make sure we can still live comfortably while growing the business, we will cut our household budget to $ ____ per month for at least ____ months and be sure to never exceed that budget.
4.We will only buy a franchise that we have confidence can get big enough to feed itself, i.e., income (cash flow) will cover monthly business expenses (fixed and variable costs), no later than ___ months after signing the agreement.

With many new business start ups, the owner will not be able to take a salary for 1-2 years. The family needs to know that household expenses will be covered during that time.

5.We will only seek a franchise for sale that we have confidence will be able to pay me a discretionary salary (enough to cover some or all of household expenses) without harming the business no later than ___ months after signing the agreement.
6.We will generate other income of $___ (amount needed to make up for loss of other income and savings budget) from ___ (spousal income, other household income or investments) independent of the new franchise business.
7.We will only pursue a franchise business opportunity that will allow us to have our initial investment back, i.e., pay off the start up loan from business income, in ____ months/years.

These are just some of the items that typically come up, or should come up, during the conversations leading up to buying a franchise. Asking the right questions will get you the answers you need. Ask them of yourself, your spouse, your family, the franchisor and other franchisees so you can get the full picture of what your life will be like while building your business, and what it can be like once you have established your new franchise.

Ray Moore, CFE, BrightStar

A Travel Insurance Plan is Imperative for Travelers

A travel insurance policy is also referred to as a trip insurance policy in India. This is an inevitable need for all travelers. Regardless of the destination you plan to visit, you need to buy travel insurance. In fact, you need to focus on buying the best plan available on the market.

The concept of travel insurance has acquired popularity only recently. And many also think that it is fit only for foreign trips. This is not true. The plan is important for national as well as international travelers. So if you have a trip on your mind, it is time to look for the best insurance plan as soon as possible. Most of the travel insurance plans are designed in a fashion to offer prompt protection against sky rising enormous medical expenses incurred due to a wide range of problems travelers may encounter on a daily basis.

So what are the common perils a traveler is vulnerable to? Some of the major risks include theft of baggage, cash and passport, loss of passport, accidents, injuries, postponement of trip, delay of flight etc. Sometimes, there is a medical emergency abroad and the traveler needs to be shifted to the home country or a different place for treatment. This requires a lot of money. Buying a travel insurance plan will help you get rid of the sudden expense you come across in a foreign land.

When you buy travel insurance in India, the insurance company takes the responsibility of any expenses incurred due to potential risks. Travel insurance will also offer you immediate attention in the times of emergency.

To buy a travel insurance policy, you should rely only on the best insurance company. A reputed organization will offer you guarantee on protection against perils while travelling. Prior to buying an insurance plan, you should also know about your specific requirements and budget. This is how you can invest in something that is the best for you.

Buying a travel insurance plan for travel will protect you against the following perils:

Natural disasters such as hurricane, flood, earthquake, etc.

Passport loss

Baggage loss


Health problem

Ambulance expenses

Emergency evacuation

Expenses incurred during hospitalization

Medications bills

Cash loss

If you are serious about travelling safe, buying travel insurance plan is a must. Ignoring the importance of insurance may result in a huge financial loss.


It is very essential to have a travel insurance policy. Author Pranav Sharma is an experienced insurance professional and widely read expert on general insurance based in Mumbai. Pranav helps readers opt for best .

Consume Misleading Has A Shock On International Market Of Resveratrol

Global supply market value of resveratrol is $ 50.2 million. Among them, 70% is used in the U.S. dietary supplement market. Europe will continue to maintain its status of the world’s second largest resveratrol market. While the Asia-Pacific region has a fastest development, especially in markets of Australia and New Zealand. However, resveratrol manufacturer declares that global market suffers the distress of misleading claims. It will have certain constraints on hot development scenarios of the whole resveratrol market.

Resveratrol is often touted as the bioactive substances in grapes and red wine, resveratrol compounds of interest in the explosive growth in 2003. Studies have shown that resveratrol can increase the life span of yeast cells, the international media fanfare of publicity, inspire the desire of the people against aging drugs. Since then, the research done for the biological nematodes, fruit flies, fish and mice resveratrol and life extension linked.

In addition, other studies have reported that resveratrol also has anti-cancer, anti-inflammatory effects beneficial to cardiovascular health, there is potential for the fight against diabetes, can enhance the energy endurance, and prevent Alzheimer’s disease. Although resveratrol is most common in red wine and grapes, but it is more common source of Aster plants, resveratrol from the Aster plants will remain a major form on the market.

In every 100 mg of resveratrol in the end-user prices vary widely, for example, less than $ 0.10, while for the price as high as $ 8 or above the level of mixed-ingredient formula applied to supplements containing resveratrol. When applied to the field of food and beverage, consumer-oriented per 100 mg of resveratrol costs will be higher, this is because in the preparation of the food matrix has a higher water activity, the technical difficulty caused by the high cost.

The media widely reported health benefits of resveratrol, as well as in Asia to its interest in increasing the development of the market is being propelled. Wide publicity in the media, the market for the high demand for resveratrol supplements, undoubtedly inspires many dietary supplement manufacturers to enter this market. The doses and forms of the product developed by pharmaceutical raw materials suppliers are different.

However, current international market due to an adequate supply will continue to be the price of resveratrol formation of downward pressure. Identify suppliers, customers concerned about product quality and supply capacity is greater than the focus on price. Sought the face of the heat of consumers on the labels of some products of the resveratrol concentration, source and purity of the introduction has made a misleading claim, no doubt, poured cold water on a hot market. Which also affect the dose and efficacy in patients with end-use.

Therefore, the entire market has suffered the distress of misleading claims. And this situation is likely to continue. Negative reaction from customers may have a bad influence on this rapidly developing market. The supplement manufacturers must aware that it will restrict development of the entire market.

Gmac Loan Modification Calculator Find Out Your New Monthly Payment

If you need a GMAC loan modification, you might want to check out a website and see if you qualify. They have a loan modification calculator that will tell you if you qualify and what your new payment would be once approved.

This calculator is based off Obama’s HAM program. It caps your monthly mortgage payment at 31% of your net monthly income. This is accomplished by lowering your interest rate to as low as 2%, extending the terms of your loan and reducing your principal balance. It goes in this order, so usually the payment cap is met before a reduction of principal is necessary.

This is an amazing program for those who qualify. The problem is, less than 300,000 homeowners have received a loan modification under these guidelines out of the millions and millions of homeowners who are in desperate need of one.

Some homeowners call the lenders themselves and some of them even received notices in the mail from their lender saying they were qualified. Once they get on the phone, they soon realize they are denied and are left scratching their heads!

The main reason for this is usually the financial ratios homeowners are giving their lender. You can’t just call your lender without working out your financials first! They will ask you a series of questions and if you do not anwer them correctly, you will be denied for sure. You cannot make too much money or too little either. Your income to expenses have to be just right to get approved for this plan.

Don’t worry, there is help available. Try out the calculator and see if you qualify and what your payment will be. If you want help to get that payment, just fill out the form for a free consultation if you’d like. They will be able to give you a free consultation and tell you how they can help you get approved. There are no upfront fees.

To see if you qualify for a GMAC loan modification, just visit the following links.

Bank Exam Preparation Is Incomplete Without Current Affairs

Banking industry offers the jobs which are high in demand amongst the youth. All its jobs are highly responsible in nature and demand respect and stature. Their acceptance of students from all streams and time flexibility makes these jobs highly coveted. However, to become a part of the banking industry is not an easy task. It all depends on how well you prepare for the bank exam which is highly competitive in nature. The question paper includes questions which have a high standard. Inclusion of current affairs of India in the bank exams make the question paper even tougher to crack. One can study hard for 2-3 weeks and prepare the syllabus thoroughly but current affairs cannot be achieved in one night. If you are not in contact with the current affairs on a regular basis, your chances of clearing any bank exam are close to zero. All the exams conducted by the banking sector demand knowledge of the current affairs of India. Another such exam called, the CWE to be conducted in 2011 would recruit candidates on a large scale based on their current affair knowledge and textual knowledge. The jobs offered by the banking sector are vast. They all provide a healthy income and extra exciting incentives. There is no reason for a candidate not to be attracted to the banking sector, especially if one looks at the immense success it has made in the recent past years. Thus, every year, thousands of candidates appear for the exams but only a few are selected. The rejected ones are often confused as to where did they go wrong. They had prepared enough but were not selected, thus blaming the banking sector for -biased” recruitments. However, it is their lack of knowledge that leads them to failure. If you are planning to appear for any bank exam like the upcoming CWE in 2011, you should cement it in your mind, that you cannot clear the exam without a sound knowledge of the current affairs of India. All you need to do is read the newspapers daily and jot down important points so that you are able to retain the information for a longer period of time. It seems like a tough task but once you get into the habit, it would seem interesting and you would eventually gain interest. Most importantly, it would be very beneficial for you not merely to appear for the bank exam but also to stay updated and aware. Reading the newspapers would not do you any harm. Rather, they would be helpful for you in your personal life as well as for your academic achievements. If you want to prepare for bank exams, it would be incomplete without a sound knowledge of the current affairs.

To read latest Current affairs read and at jagranjos

The 12 UK Land Investment Guidelines

Following these guidelines will help you proceed wisely with investing in UK land:

1) Is the investment land in a region with high demand for housing?

The property should be in area that is viable and not at risk of future decline. Review statistics and trends about violent crime, school performance, industry loss or retention, and poverty, as these factors are crucial to determining housing demand. Find out what the city’s position is on funding for, and commitment to improving any of the aforementioned housing demand indicators.

2) Has a full sustainability study been carried out on the land investment site?

The land investment site must be evaluated to see what impact land development would have on the environment and natural resources. Any disturbance or potential harm to archeological sites, protected species, or conservation areas should be noted. Inspect the land’s topography for any sloping or flooding potential. Assess the effect that your potential investment might have on the present character of the land and buildings. Consider if a new development would “fit in” with the existing developments’ character?

3) Does the land investment site have road access? Is there an existing transport infrastructure?

Inquire about any plans for modification of roads that may affect the property in question. If there are such plans, are they already funded and scheduled or are they still in the planning stages? Research factors that affect the importance of access, such as the number of people who commute to work as opposed to working locally.

4) Does the area where the investment land lies have sufficient amenities to support residents of a new development?

Evaluate the quality and enrollment capacity of local schools availability of recreational facilities. Consider not only the quantity and variety of shops, but ask about longevity versus or high turnover of those businesses. Look into the ease of accessing both inpatient and outpatient medical care. Ask about immediate or future plans for addition or removal of any of the above amenities.

5) Does the company with whom you are investing have a successful record of accomplishment with UK Land Investments?

Ask for referrals from current and previous clients and actually contact them. Search public records, industry journals, and periodicals to be apprised of the company’s reputation, stability, and expertise with investing in UK Land.

6) Does the company contractually retain a holding in the land investment site?

Investigating matters such as this may seem to be obvious and unnecessary but will save you time and money in the long- run

7) Does the company contractually commit funds to the planning application for the land investment site?

Be sure that commitment of funds to the planning application for your potential investment in UK land is specified in the contract.