5 Expensive Problems with Using Creative Commons for Small Business

030915 creative commons

The goal of U.S. copyright law is to give you legal protection of your original creative work so you control who can profit from it and when. Creative Commons is a nonprofit organization created to provide creators of original works an easier way to give others permission to use their original creative work than U.S. copyright laws allow.

Many people and businesses create content that they want others to freely use in their own commercial and/or non-commercial work, including image, text, audio, and video works. Applying a Creative Commons license to their work makes the public aware of what the owner freely allows others to do with it—without having to obtain written permissions or formal license agreements from the owner.

Applying a Creative Commons License to Your Work

Let’s imagine that you create an e-book and you want others to be able to republish it in any way that they want as long as they attribute you as the owner. Just visit the Creative Commons website and pick the license that best matches your goals for your content. You can choose between six licenses:


This license only requires attribution to the owner. Works with this license can be used in commercial or non-commercial new works.

Attribution Non-Commercial

This license is the same as the Attribution license but works cannot be used in new commercial works.

No Derivatives

This license does not allow the creation of any derivative works from the licensed work. Works with this license can be used in commercial or non-commercial new works.

No Derivatives Non-Commercial

This license is the same as the No Derivatives license but works cannot be used in new commercial works.

Share Alike

This license requires that the creator of the new work applies the same Creative Commons license to the new work that the owner of the original work used. Works with this license can be used in commercial or non-commercial new works.

Share Alike Non-Commercial

This license is the same as the Share Alike license but works cannot be used in new commercial works.

In our small business example, you’d simply include the Creative Commons Attribution license icon or language in your ebook, and you’re done. Others can use your ebook in their own blog posts, presentations, marketing materials, and so on as long as they attribute you as the source.

Sounds good, right? Not always.

What happens when you change your mind in the future and want to remove that Creative Commons license? What happens when you find someone else profiting from your e-book and you want to stop them?

There are problems looming in the future.

Using a Work with a Creative Commons License Published by Someone Else

Now, let’s imagine that you maintain a blog for your small business. You need to include images with your blog posts because all of the blogging experts and research studies show that blog posts with images perform better than blog posts without images.

You don’t have a budget for images, so you search on Flickr and choose images that have Creative Commons Attribution licenses applied to them that allow commercial use (because your small business blog is a commercial property). You follow the instructions on the Creative Commons website to appropriately attribute the image to its owner and identify the Creative Commons license. You assume you’ve done everything right and that you’ve followed all of the necessary rules so you won’t be accused of copyright infringement in the future.

Sounds good right? Not always.

What happens when you receive the Getty Images Demand Letter like so many other bloggers and small businesses have in the past several years? What happens when the real owner of the work (who is not the person who uploaded it to Flickr and applied a Creative Commons license to it) contacts you and demands compensation?

Again, there are problems that are very likely to arise in the future.

5 Expensive Problems with Creative Commons

Beware of these common problems to your small business when you apply a Creative Commons license to your own work or use a work with a Creative Commons license:

Creative Commons Licenses Offer No Legal Protection

Creative Commons offers no form of protection to the creator beyond what common law provides. Creative Commons licenses have no legal significance beyond the license itself.

Creative Commons Licenses are Irrevocable

According to the fine print on the Creative Commons website, Creative Commons licenses cannot be revoked once they’ve been applied to a work. If you use a Creative Commons license, make sure you’re not going to change your mind in the future about giving everyone open access to your work.

Creative Commons Licenses are Not Simple

Creative Commons licenses can be updated at any time, and those licenses are not simple. Each is pages long with a lot of legal language in them. Make sure you understand what you’re agreeing to before you apply a Creative Commons license to your work or use another person’s work with a Creative Commons license.

Creative Commons Won’t Help You if You Have Problems

The Creative Commons organization absolves itself of any problems you might encounter with one of its licenses in the future within its terms saying, “Creative Commons gives no warranties regarding its licenses … disclaims all liability for damages resulting from their use to the fullest extent possible … is not a party to its public licenses.” If something goes wrong, you’re on your own.

The Creative Commons License on Someone Else’s Work Might Not Be Valid

A big problem with Creative Commons licenses is the fact that anyone can apply them to any work. For example, many of the Creative Commons licensed images on Flickr, Google, and sites that aggregate images weren’t uploaded by the owners of the images. The Creative Commons licenses applied by the people who uploaded the images (but don’t own them) are completely invalid! If you use one of these improperly licensed images, you very well might get caught and find yourself on the losing end of an expensive copyright infringement lawsuit.

The Takeaway

The good news is that Creative Commons is a great option for bridging the gap between copyright law and open access and sharing of creative works, but it’s far from perfect. The bad news is that Creative Commons gives you no legal protection, and it gives other people permission to use and profit from (depending on the license you choose) your creative work—the very things that copyright laws protect you from.

Be very careful both in applying Creative Commons licenses to your own work and using works created by others that have Creative Commons licenses. Things are not always as cut-and-dry as they might seem.

Image: Creative Commons


It is prudent to pay off the most expensive loans before investing

iStock image

iStock image

I have a debt of around Rs.3 lakh on two of my credit cards, and I also pay equated monthly instalment (EMI) ofRs.15,000 towards my car loan. I am 41-years-old and earn around Rs.1 lakh a month. My monthly expenses areRs.75,000. What sort of a plan should I have so that I can first pay off my credit card debt and then work on buying a house in the next 5 years?

—Sanjiv Khatri

As you too realise, one should paying off the expensive loans first. And with credit card interest rates on outstanding amounts being one of the more expensive debts today, it is always prudent to repay credit cards at the earliest. This debt undoubtedly gets preference over investments.

You must pay the loan before you start investing.

With a surplus of income over expenses currently atRs.25,000, it is assumed that your expenses already cover the EMIs. You need to start repaying the maximum on your credit card loan.

Accordingly, this amount should be converted into an EMI of Rs.25,000 for the next 12-14 months. You may have to pay for 14 instead of 12 months because of the accumulated interest on your loan. Apart from this, if you have any extra amount in between, use it to repay the loan.

Second in line is your car loan. This also carries a high interest rate, though not as high as that of the credit cards. In some cases, car companies absorb a part of the loan cost, depending on the demand for a particular car. This is more like a marketing expense for them. Check if your car loan carries any pre-payment charge. If not, and the interest rate is higher than what you could earn in a reasonably secured asset, then consider repaying the loan.

Only after you have repaid your loans, especially the credit card loan, should you start investing for your house or any other investment goal.

You plan to get a house 5 years from now. Assuming that you devote one of those years to credit card repayment, there would still be around 4 years left to plan for the house.

Start with a monthly saving plan to create a cash-down fund for the property. In four years, you should be able to accumulate about Rs.12 lakh (Rs.25,000*12*4). Any increase in monthly savings over the next few years has not been considered; but it can add to the corpus. At an interest rate of 10%, the total corpus becomes Rs.14.8 lakh. The required amount depends on how much down payment you need for the house.

In the quest for earning more from the corpus, don’t get aggressive with your investments. Do consider equity exposure for your investment book, but its extent that should be based on your risk appetite. Also, as you have only a 4-year horizon, you cannot be aggressive with this investment. It can be built via a systematic investment plan (SIP).

Within your savings basket, don’t forget to start creating investment baskets for your other investment goals such as retirement, and also an emergency or contingency fund.


Verizon plans are about to get greater expensive, report says

Verizon is getting ready to roll out new wireless plans with greater statistics, however they will come at abetter charge, CNET says. The said modifications wreck down as follows:

The new “S” plan is $35 a month for 2GB (in the beginning $30 for 1GB)
“M” is $50 a month for 4GB (in the beginning $45 for 3GB)
“L” is $70 a month for 8GB (initially $60 for 6GB)
“XL” is $90 a month for 16GB (at the beginning $80 for 12GB)
“XXL” is $a hundred and ten a month for 24GB (originally $one hundred for 18GB)
This is all part of a rumored overhaul coming to Verizon’s wireless software. In keeping with an imagenoticed by using The Consumerist final week, Verizon will launch a “Carryover factsapplication thatenables clients to rollover unused gigs into the next month. Plus, Verizon will reportedly roll out a “Protection Mode” that removes overage costs but throttles clientsinternet speeds the moment they eclipse their allocated information usage. Protection Mode could be free for XL and XXL plans, even asit’s going to value an extra $five in line with month for S, M and L plans, According to the image.

XL and XXL clients may additionally see calls and messages to Canada and Mexico join their homeallowances without spending a dime, with calls from america to those nations to be had at no moreprice.

Verizon has hinted that it will unveil new applications later this week. The company is increasingly morecompeting with Dash and T-Mobile, two vendors that these days received robust customer priderankings, as recorded by means of the yankee patron delight Index. Plus, ultimate month Sprint poached Verizon’s famed “Are you able to listen me now?” actor for a sequence of commercials ridiculing his formeragency. Ouch.

We’ve got reached out to Verizon for clarification on its plans and will update this tale as we listen back.

*Verizon has acquired AOL, Engadget’s parent organisation. But, Engadget continues full editorialmanage, and Verizon will need to pry it from our cold, useless palms.

Tata GenX Nano AMT vs Maruti Suzuki Alto K10 AMT: The less expensive AMTs

Maruti Suzuki AltoK10 vs Tata Nano GenX

about five years ago, automobile producers have been thinking about bringing less costly cars to Indiaand that they did. since then we’ve seen a group of manufacturers like Tata vehicles, Maruti Suzuki, or even Hyundai attempt their good fortune at making a vehicle that changed into suitable for a own family of four and turned into right to drive around in town site visitors situations.

but, visitors situations within the u . s . have only worsened, and moving gears remains a venture.vehicles with an automobilefield appeared like truth as vehicle manufacturers said that the era couldhandiest make small motors steeply-priced and that they had to locate an alternative. This noticed therise of the automated manual Transmission (AMT), which was no longer handiest inexpensive, howeveradditionally served the purpose of freedom from the clutch and equipment lever.

Maruti Suzuki became the primary to convey this technology in the Celerio, and then we saw it within the Alto K10. Tata vehicles too followed this generation within the Zest diesel, making it the first sub-compact sedan inside the diesel avatar with an AMT. It changed into most effective these days that theemployer decided to deliver out the refurbished Nano and equip it with an AMT. It become an exceptionally smart pass, but is it precise sufficient? The GenX Nano AMT already has a challengerwithin the wings within the shape of the Alto K10 – which also gets an AMT. We put both these cheapAMTs within the ring to discover which one ratings higher.


Tata Nano AMT

With the GenX Nano, Tata vehicles is aiming to revive the Nano logo and function it as a more up-marketproduct. In fact, the complete marketing campaign designed for the car is to challenge it as a ‘smart citycar‘, thus disposing of the ‘reasonably-priced‘ tag that labored towards it the ultimate time. Now, with amore up-marketplace cabin, a slightly up to date engine, larger gas tank and outdoors adjustments, theagency is trying to reach to a larger target market base.

also examine: Tata Nano GenX AMT evaluate

in relation to the Alto K10, Maruti Suzuki has installed lots of effort, but much like the Nano, it is now not exactly a completely new product. the automobile sports subtle adjustments and looks most effective barely specific than the prevailing Alto K10. long story brief, it relatively more ambitious andmodernat the least in phrases of design.


each the automobiles are compact in phrases of dimensions. even as the Alto is longer and has greaterwheelbase on offer, the Nano is taller and wider. therefore, a large bloke like me is more at ease in a Nano than inside the Alto K10. The Alto feels a chunk filled and, for me, there was hardly ever any room to transport. The the shortage of area brought about the character sitting at the back of me to suffered too.

Maruti Suzuki Alto K10 AMT

way to the openable rear door, Tata has finally controlled to offer some boot area within the Nano – 94litres to be particular. don’t forget, the engine is at the rear and there’s simply enough area for one carry-on suitcase and 2 purses. The Alto K10, alternatively, receives 177 litres, that is pretty good as it gobbles up lots extra luggage than the Nano can.

Engine and Transmission

both the Maruti Alto K10 and the GenX Nano are best available with petrol engines. The Nano comes readywith the 624cc engine that develops 37bhp and each, the torque and the electricity figures, are notably lessthan that of the Alto K10. Maruti has geared up the K10 with a 1.0-litre okayseries unit that churns out 67bhp (a bump of approximately 29bhp over the Nano’s variety) and there may be more torque on offertoo.

Tata GenX Nano

The maximum full-size update in each motors is the AMT gearbox for the switch of power to the wheels. That stated, one have to understand the two businesses use specific phrases for the AMT; at the same time as Maruti Suzuki prefers AGS (auto tools Shift), and Tata calls it the clean Shift. however, the AMT actuator for both vehicles is sourced from the same vicinity – Magnetti Marelli, which leads one to surprisehow one-of-a-kind should they be?

additionally examine: Maruti Suzuki Alto K10 AMT assessment

well, very distinctive. The strength and torque figures favour the Alto K10, that is why, though there’s aput off within the automobile receiving strength, it is better and greater amusing to power. Even while you shift to manual mode, the equipment adjustments are slicker and on the cash, which is wonderful if you‘re overtaking. The 90Nm of torque kicks in late at 3500rpm, and there’s a moderate put off within theenergy to attain the wheels.

The fivepace AMT within the Nano, but, has to work overtime to feed electricity to the wheels. initially, there are only 37 horses and 51Nm of torque to cope with. The torque kicks in as late as 4000rpm, and with the aid of then there is lots of whizzing (the engine appears like that) that isn’t always easy at the ears. There are small delays, and the car lurches as the gears shift.

Maruti Suzuki Alto AMT

in contrast to the Alto K10, the Nano additionally receives a sports Mode button. typically, in maximumvehicles, we see that this button corporations up the suspension and adjustments the temper of the automobile; makes it greater race prepared (perhaps). but, inside the Nano, it simplest changes theequipment ratios. where it does help is while you‘re trying to overtake or quick boost up. Being inrecreation Mode lets you preserve directly to a lower gear to get the proper burst of power.

moving on to some other important bit – the mileage. The Alto wins this one, palms down. The Nano AMT returns 21.9Km/l, whilst the Alto K10 offers a gasperformance wide variety of 24.71Km/l, for this reasonallowing Maruti to sway the consumer in its favour.


The Alto K10 and the GenX Nano are available in handiest one trim with the AMT gearbox. trust Tata to herald a few new functions to the car; the Nano comes with Bluetooth, an audio machine with audio system at the the front and rear, keyless entry and front fog-lamps. interestingly, all the aforementionedfeatures are lacking on the Alto K10. but, it does come with the front disc brakes and manually-adjustable wing mirrors that do not make their way within the Nano. each vehicles also get energy home windowson the the front.

Maruti Suzuki AltoK10 vs Tata Nano GenX


The GenX Nano has come a long manner certainly; from donning the ‘most inexpensive vehicle in theglobal‘ tag to turning into the ‘maximum less expensiveautomated automobile in India. The GenX Nano with AMT comes priced at 2.19 lakh (ex-showroom, Delhi) and isn’t always reasonably-priced anymore butwhat it is – is spacious and the perfect size for a metropolis automobile. it’s been through a protractedadventure from the authentic version and someplace, you sense that had they released this one within the first area, the story could have been a extraordinary one.

The Alto K10 too is top notch in phrases of proportions however is extra high-priced than the Nano. The Alto K10 AMT comes priced at 3.99 lakh (ex-showroom, Delhi) and although it misses out on a bunch offunctions, it still reigns in phrases of journey satisfactory and the AMT. it’s miles best within thedepartment of cabin area that the Alto suffers, but if you could live with that then the Alto K10 is right on the cash.