Best existing license for closed-source code [closed]

Question

I'm creating a few closed-source applications on my own (no big company behind me) and am wondering exactly how to protect them. At the top of all the source code files I have this pretty basic copyright notice:

/*******************************************************
 * Copyright (C) 2010-2011 {name} <{email}>
 * 
 * This file is part of {project}.
 * 
 * {project} can not be copied and/or distributed without the express
 * permission of {name}
 *******************************************************/

However I'm really starting to think that's not enough. Without the money to get a lawyer, I'm interested in any closed-source license that essentially says "You can use it, and that's it". Finding one has been extremely difficult as I can only find open source license comparisons or "Find a lawyer" answers.

Is there any closed-source license that I can use that says something similar to this?