A logo is a tangible form

March 4, 2006

A logo is a tangible form used to represent any given article. It also depicts an organisation’s personality.

In recent times the term ‘logo’ has been used to describe signs, emblems, coats of arms, symbols and even flags. In this article several examples of ‘true’ logotypes are displayed, which may generally be contrasted with emblems, or marks which include non-textual graphics of some kind. Emblems with non-textual content are distinct from true logotypes.

The uniqueness of a logotype is of utmost importance to avoid confusion in the marketplace among clients, suppliers, users, affiliates, and the general public. To the extent that a logotype achieves this objective, it may function as a trademark, and may be used to uniquely identify businesses, organizations, events, products or services. Once a logotype is designed, one of the most effective means for protecting it is through registration as a trademark, so that no unauthorised third parties can use it, or interfere with the owner’s use of it. If rights in relation to a logotype are correctly established and enforced, it can become a valuable intellectual property asset.

A common misconception holds that a logotype is merely a graphic symbol or sign. This is, however, not the way it is defined by graphic designers and by advertising professionals. A logotype consists of either a name or a name and a sign. The image at right shows an example of the two elements of a logotype.

While large corporations spend hundreds of thousands of dollars to update and implement their logos, many small businesses will turn to local graphic designers to do a corporate logo.


Secured credit cards

March 3, 2006

A secured credit card is a type of credit card secured by a deposit account owned by the cardholder. Typically, the cardholder must deposit between 100% and 200% of the total amount of credit desired. Thus if the cardholder puts down $1000, he or she will be given credit in the range of $500¢_”$1000. This deposit is held in a special savings account.The cardholder of a secured credit card is still expected to make regular payments, as he or she would with a regular credit card, but should he or she default on a payment, the card issuer has the option of recovering the cost of the purchases paid to the merchants out of the deposit.

Often, though, if the cardholder does not make the required payment, many issuers of secured credit cards consider that the account must be paid before the security is released instead of using the security to pay the balance due. The card is not cancelled, the balance is not set off the deposit, and interest continues to accumulate on the unpaid balance for considerable periods of time. In some cases the total charges may far exceed the original deposit and the cardholder not only loses their deposit but is left with an additional debt.

Most of these conditions are usually described in a cardholder agreement which the cardholder signs when their account is opened.

Secured credit cards are an option to allow a person with a poor credit history or no credit history to have a credit card which might not otherwise be available. They are often offered as a means of rebuilding ones credit. Secured credit cards are available with both Visa and MasterCard logos on them. Fees and service charges for secured credit cards often exceed those charged for ordinary non-secured credit cards.

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March 3, 2006

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