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November 4, 2011

Know About the Ownership of Mineral Resources in US

Filed under: Business — Tags: , — Winson @ 7:20 AM

The word mineral has a variety of meanings and the list of minerals varies from state to state. In general, ores of metals, coal, oil, natural gas, gemstones, dimension stone and other materials which are extracted from the ground. In most of the countries in the world this mineral wealth belongs to the government irrespective of the ownership of the property. In such countries, the land owner should inform the government if he/she found any minerals under his land. Without such action he/she is not supposed to extract or sell the land containing mineral deposits.

However, in USA and few other countries, any person or organization, who owns the land which was later found to have mineral resources is the owner of all the minerals in his place. The land lord can extract them, give the rights for lease or can sell the rights directly to any person he/she wishes to. In short the land lord owns both surface rights and mineral rights. In other terms this complete free ownership is known as fee simple estate.

The basic ownership of the individual is termed as the fee simple estate. In fee simple estate the owner controls the outer surface, inner surface, and also the air above his property. The ownership offers him the freedom to sell, lease, gift the rights of the property in any of the ways.

The laws on mineral rights vary from one state to another state. Some have different kind of law about the transfer of ones mineral rights to another and also the laws for governing drilling and mining activity. Before leasing or selling the mineral rights one needs to know the laws of his/ her own state by consulting an attorney who have sound knowledge on all these issues.

November 1, 2011

Know How to Protect Your Bank Accounts

Filed under: Technology — Tags: — Winson @ 10:28 AM

From few past years, many individuals have been targeted by hackers. They hack their bank account details, credit and debit cards details and misuse them. Bank account frauds are becoming more with the growing use of internet and related technology. Due to less monitoring and less restrictions, online banks internet transmission of data is getting much easier to gain access legally.

There are many ways to protect your bank accounts from unauthorized access. They are:

  • Never share your bank account details like passwords with your friends, neighbors or any person who is not a member of your family. Your password must be kept top secret and change them often.
  • Never respond to the emails that request your personal details and bank details.
  • Make sure that you don’t provide personal information over the bank calls, although if it appears to be legitimate.
  • Don’t choose an easy ATM code, so that it becomes easy to guess code for your ATM card. Choose your ATM code number carefully.
  • Don’t just throw away the deposit forms, old bank statements, cancelled checks, etc. after filling the details of your account, as it contains the bank account number, name and address.

In case of online banking accounts:

  • Never use cyber cafes or internet centers to access your online accounts. You must not do online banking in public place.
  • Secure your login information in a separate document at your home. You may forget your password or user name so, as a legitimate account holder it is your responsibility to keep your information secure.
  • Use complex typical symbols, numbers and upper and lowercase letters for account login data (passwords and user names).
  • Be careful with emails and spams.
  • Don’t store credit card, debit card and ATM card, bank account details and other financial information on your cell phone.

By following all the above tips, you can be sure of protecting your bank details.

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