Independent Music Distribution - Arts and Entertainment - Business ...

Independent Musician?s Guide 2011 Edition ? eBook ? Independent Music Distribution for Solo Artists and Bands Worldwide

1. Are you the kind of person that likes the "do-it-your-self" method to accomplish your goals so YOU are in control?

3. Have you been confused on how to market your music on the internet? Are you Consistently hitting dead ends always waiting on someone to "Approve" your music in order to get distributed? Or can?t even find the right people to send it to for distribution in major online stores?

4. Do you have a limited budget ($100 hundred dollars or so) to work with but want worldwide exposure for your music? (without getting ripped off, again?)

5. Are you sick of hitting dead ends when trying to get retail distribution for your music in the largest online stores like iTunes and Napster?

7. Are you a Music Teacher, Music Instructor or Music Professor and would love to give your students legitimate advice on how to get their music to the masses using the internet and not be at the mercy of the Major Record Labels and Rip-off Artists?

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This ebook is the only Thing You Need For Independent Music Distribution Worldwide 100% Guaranteed. If You Buy This Ebook, YOU WILL Have Your Band or Solo Artist Project in up to 29 Countries Worldwide In Major Online Music Retailers. This is 100% Guaranteed Or Your Money Back.

We have published the eBook in Adobe Acrobat Reader format so you can read it on any computer system. To get the latest version of Adobe Acrobat Reader for FREE click here. In addition, Adobe Acrobat Reader can read the entire eBook "Out Loud" for you so you can sit back and listen to the eBook. Questions or comments email us Read more?

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The Revolution In Real Estate: How long will you be underwater?

How long will you be underwater?
Timeline to reach desired equity position depends on 3 factors
By Jack Guttentag
Inman News?

About 16 million homeowners owe more on their mortgage than their homes are worth, which means they are "underwater." So long as that condition continues, they have no equity that can be used to help finance the purchase of another house.

On the contrary, they can't sell the house without digging into their pockets to pay the difference between what they owe and what they can realize from the sale net of expenses.

But time heals most wounds, and negative equity is no exception. The principal component of the monthly mortgage payment reduces the loan balance by the same amount.

Refinancing into a mortgage carrying a lower interest rate reduces the interest portion of the monthly mortgage payment, thereby increasing the principal component and the rate at which the balance is paid down.

Although underwater borrowers generally can't qualify for a refinance, those fortunate enough to have their mortgages held by Fannie Mae or Freddie Mac comprise an important exception. The government's Home Affordable Refinance Program (HARP) permits negative equity, though borrowers must be in good standing to be eligible.

The other component of negative equity, depressed home prices, also appears to have turned the corner. Prices have begun to rise again in some areas in which the houses listed on the market have fallen short of demand from purchasers. It is plausible that within the year home prices in most areas will again be on the rise.

It is now time for underwater borrowers to start planning to get their heads above water. To help in that process, Chuck Freedenberg and I have designed two calculators designated 2d and 2e on my website. The first shows the borrower's equity in the property month by month for any combination of the various factors that affect changes in equity. These include the interest rate, property appreciation rate, and extra payments. Some examples are shown in the table.

Changes in Negative Equity with Initial Loan Balance of $200,000, Property Value of $150,000 and Monthly Payment of $1,300

Factors Affecting Change in Equity			Month When Equity Reaches:
Interest Rate	Appreciation Rate	Extra Payments	0	10%	20%
6%	0	0	122	148	170
6%	1%	0	98	123	147
6%	1%	$50	89	112	134
6%	2%	$50	74	95	116
6%	2%	$100	68	88	108
4.5%	0	0	79	99	117
4.5%	1%	0	67	86	104
4.5%	1%	$50	63	80	97
4.5%	2%	$50	55	71	87
4.5%	2%	$100	52	67	83

The table shows, for different combinations of interest rate, appreciation rate and extra payments, when the borrower will no longer be underwater, which is the month when equity hits zero. The table also shows how long it will take before equity hits 10 percent, at which point the borrower who is otherwise qualified will be able to refinance, and 20 percent where a refinance won't require mortgage insurance. Borrowers may want to raise their targets to cover the expenses of whatever action they plan. If the goal is to sell the house, for example, they will need positive equity of 5-7 percent to cover sales costs. This is easy to find with the calculator. The second calculator is designed for underwater borrowers who want to know how much extra they have to pay each month to reach a target equity level within a specified period. For example, the borrower paying 4.5 percent in the example above wants 10 percent equity in five years and believes his house will appreciate at a rate of 1 percent a year. The calculator tells him he must pay an additional $315.50 every month for 60 months to reach his objective. If his house does not appreciate, he has to pay $418.05. While the calculator tells you what you must do to reach your objective, it doesn't tell you how to develop the commitment and determination to see it through. I am working on that. The writer is professor of finance emeritus at the Wharton School of the University of Pennsylvania. Comments and questions can be left at www.mtgprofessor.com. If you'd like more information on the market, like to list your property, or want information on any property from any broker, you may call or email at anytime.

Thank you,

Suzanne O'Brien
Your Expert Advisor
P: 313-516-6644
suzanneo@realestateone.com
http://www.movingmetrodetroit.com

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Banks making more small business loans - Colorado Springs ...

Banks making more small business loans?

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Small businesses are waking from a long economic slumber ? with renewed energy and plans to expand their stores, their staffs and their inventories.

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Hunt defends contacts with News Corp

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Tips For Fixing Plumbing Problems On Your Own ? Yapperz - Speak ...

Most homeowners believe that plumbing repair is tough. But, with the right advice and know-how, it is a lot easier than you think. Read this article to learn how to fix basic things.virginia beach plumberDon't be tempted to use commercial bleach tablets, blue toilet tablets or any other product that claims to prevent toilet odor. It may help to get rid of your toilet's odors, but it will damage any rubber parts, causing your toilet to malfunction, or even break down.

Orange or pink discoloration on your bathroom fixtures is a solid indication that your water contains too much iron. A water softener can filter out unnecessary minerals, and leave you with clean, usable water.

Choosing to purchase brass for your plumbing fixtures is an excellent choice if you are going to replace them. Brass fixtures are beautiful and much more durable than other fixtures currently available. Also, brass fixtures give off a much nicer appearance than similar counterparts. You can find these in home improvement stores.

Make sure all the work on your plumbing is scheduled at one time. By doing so, you can save up enough money to pay for the repairs. It also saves you money because a lot of plumbers charge by the hour--they cannot charge for multiple hours every trip if they only make one trip out.

Valves that are not used often can get fused together. You can maintain them using penetrating oil, and make sure to turn them once in a while so that they do not start sticking.

Some have no idea of plumbing in general, so they pay whatever the plumber wants. When you have a home of your own to care for, try to learn enough about plumbing to understand what you hear from a professional plumber. This will make sure that you aren't ripped off.

If you have any loose tiles, investigate the cause. Loose tiles are often the first indication that you have a leak. To find out, simply press gently on the tiles to feel if they move or feel out of place. The quicker you know there's a problem, the quicker you can fix it.

If you discover that a water pipe has frozen, find the tap closest to the pipe so when the thaw happens, the water has an exit point. This helps decrease any pressure in order to prevent burst pipes. A burst pipe can create damage that is expensive to repair.

As you may have noticed from this article, plumbing is not so hard to do! You need to learn the basics, however. In order to start, you just have to know how to properly research, how to work hard, and how to use your common sense in order to discover the best methods for the job.

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Syria blames rebels for Houla massacre - KWQC-TV6 News and ...

By ZEINA KARAM
Associated Press

BEIRUT (AP) - Syria on Thursday blamed up to 800 rebel fighters for the massacre in central Syria last week that killed more than 100 people, nearly half of them children, in its most comprehensive explanation to date of the bloodshed.

The narrative starkly contradicted accounts of witnesses who blamed "shabiha" or the shadowy gunmen who operate on behalf of President Bashar Assad's regime. The U.N. also said it had strong suspicions those pro-regime gunmen were responsible for much of the carnage on Friday in a cluster of villages known as Houla.

Facing international outrage over the killings, Damascus launched its own investigation into the deaths and announced that special prayers for the victims would be held at mosques across the country on Friday. The U.N. chief warned of civil war and pleaded with the regime to stop its attacks.

At a news conference Thursday, Qassem Jamal Suleiman, who headed the government's investigation into the massacre, categorically denied any regime role. He said hundreds of rebel gunmen carried out the slaughter after launching a coordinated attack on five security checkpoints.

The aim, he said, was to frame the government and to ignite sectarian strife in Syria.

"Government forces did not enter the area where the massacre occurred, not before the massacre and not after it," he said, adding that the victims were families who refused to oppose the government or carry arms.

A Houla-based opposition activist said it was clear that there had been no government investigation.

"The regime is looking for ways to justify the massacre to the world," said Saria al-Houlany. "It's clear that there wasn't any professional probe. ... If we had 800 fighters in Houla, this massacre would not have happened," he said.

Foreign Ministry spokesman Jihad Makdissi said the aim was to create sedition in Syria.

"There are people in dark rooms working night and day to target Syria ... and the way to do it is to ignite civil strife," he told reporters at the same news conference. "They will not succeed."

The Houla massacre was one of the deadliest incidents since the uprising against Assad's hardline regime started in March last year. Activists say about 13,000 have been killed in 15 months.

The area is still under attack. The government focused its shelling Thursday on the Houla village of al-Tibeh. The activist group Syrian Observatory for Human Rights reported that some residents fled to nearby towns and villages "fearing a new massacre" as the area again came under fire.

Persistent bloodshed despite a cease-fire agreement has raised pressure on the international community to act.

But Secretary of State Hillary Rodham Clinton laid out the clearest case yet for why the Obama administration is reluctant to intervene militarily in Syria even as the U.S. expressed revulsion over the Houla killings.

Clinton said Russia and China would have to agree before the U.S. and other nations engage in what could become a protracted conflict in support of a disorganized rebel force.

"We're nowhere near putting together any type of coalition other than to alleviate the suffering," Clinton told reporters Thursday after meeting with top officials in Denmark, a key contributor to last year's NATO-led mission against Moammar Gadhafi in Libya.

Russia's continued support for Assad "is going to help contribute to a civil war," Clinton warned.

U.N. Secretary-General Ban Ki-moon called on Syria to stop the bloodshed and also warned of a protracted conflict.

Nearly 300 U.N. observers have been deployed around Syria to monitor a cease-fire that was supposed to go into effect on April 12 as part of a peace plan negotiated by international envoy Kofi Annan. But the plan has unraveled amid daily visit and the images from the Houla massacre caused outrage to spike.

"The massacre of civilians of the sort seen last weekend could plunge Syria into a catastrophic civil war - a civil war from which the country would never recover," Ban said in Istanbul. He added that the international community was united in demands that the Syrian government act on its responsibilities to its people.

"We are there to record violations and to speak out so that the perpetrators of crimes may be held to account," Ban told a summit of the Alliance of Civilizations, a forum promoting understanding between the Western and Islamic worlds.

"Let me state plainly, however: The U.N. did not deploy in Syria just to bear witness to the slaughter of innocents," he added. "We are not there to play the role of passive observer to unspeakable atrocities."

Annan, meanwhile, arrived in Lebanon, where 10 people were killed in clashes between pro- and anti-Syrian groups earlier this month, raising fears the conflict could spill over to neighboring countries.

In the wake of last week's massacre, the United States, Western and Asian nations expelled Syrian diplomats in protest.

Also Thursday, Syria's state-run TV said 500 people who had gotten involved in recent events in Syria were released from detention. It gave no further details.

In Damascus, the Syria International Islamic Bank, or SIIB, criticized the latest sanctions imposed Wednesday by the Obama administration as "irrational and unjustified."

The Treasury Department said Wednesday that SIIB has been acting as a front for other Syrian financial institutions seeking to circumvent sanctions. The new penalties will prohibit the bank from engaging in financial transactions in the U.S. and will freeze any assets under U.S. jurisdiction.

SIIB said it would undertake all necessary measures toward the U.S. decision, saying it has no assets or accounts in the United States. It added that the bank, like other Syrian banks, halted all banking operations with the dollar since U.S. sanctions were first imposed on Syria.

With Washington unwilling at this point to pursue military options in Syria, the U.S. has relied heavily on economic sanctions as a means for pressing Assad to leave power. The United States will host other nations in Washington next week to look at ways to tighten international sanctions further.

___

Associated Press writer Albert Aji contributed to this report from Damascus, Syria.

Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Hogwarts:Your Destiny

Hogwarts school of magic has opened after years of repair and the previous generation died but a new generation has come to replace the old one.

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Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.

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