In the US, a simple test called the “Howey Test” is used to decide if what someone is selling should be considered a security. It states that a transaction is considered a security saleif a person invests his money in a common enterprise and is led to expect profits solely from the e...
Businesses must address the needs of their stakeholders and engage with them to operate effectively and maintain their social license to operate. Stakeholder analysis is the process used to identify and assess the importance, influence, interests, or impact of various stakeholders in relation to a ...
Credit card: Ensure that the card holder matches the personal information displayed on the submitted certificate. Transaction details: The documents must clearly show the transaction details of your credit card in the last 6 months. The personal information displayed on the documents must match the ...
What is a digital certificate? A digital certificate vouches for the holder’s identity. Like a driver’s license, the certificate has been issued by a trusted third party, cannot be forged, and contains identifying information. What are public and private keys, and how are they related? Publ...
Pursuant to the aims and scope of the Special Issue it is part of, this invited contribution seeks to shed new light on the nature and working logic of leg
is called a subordinate mortgage or a subordinate lien. As the name implies, this second mortgage is junior to the first one in terms of creditor reimbursement. If you get foreclosed on or become bankrupt, the primary mortgage lender recoups first; the holder of the subordinate mortgage is ...
Even when a work is protected under copyright law, the law defines a category of exceptions. In these cases, copies of works may be used even when the copyright holder has otherwise restricted use. Fair use, known in some other international jurisdictions asfair dealing, is the judicial doctri...
If the joint account is with an online bank, each account holder may need to enter sign-in credentials and approve the closure. And you may need to provide identification, like a driver’s license, state ID or passport. Did you know? You usually cannot remove a person from a joint acc...
You can open an IRA through a bank, an investment company, an online brokerage, or a personal broker. Key Takeaways Individual retirement accounts (IRAs)are retirement savings accounts with tax advantages. Types of IRAs include traditional IRAs, Roth IRAs, Simplified Employee Pension (SEP) IRAs,...
Afranchiseis a license purchased by a company, individual, or a party called the franchisee. It allows them to use the franchisor's name, trademark, proprietary knowledge, and processes. Thefranchiseeis typically a small business owner or an entrepreneur who operates the store or franchise. The ...