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Why Background Music Makes Every Project You Touch Phenomenal!

So you’ve completed your project whether it be a a film, commercial, educational video, etc. Job well done! Not so fast, your project has background music right? If your answer is no, your missing out on the key element that will change it from mediocre to phenomenal!

Think of background music as the glue that hold it all together. It fits into all those little cracks and crevices and makes everything harmoniously work together. Without it your project runs the risk of falling apart. Nothing is worse than dead air, or that dreaded awkward silence. With the right music your project will be as smooth as silk.

Background music makes your project professional. Nothing shows everybody you truly know what your doing than going the extra mile and putting music in the background. This separates you from the pack and makes you stand out from everybody else.

Music brands you. Some products, commercials or videos we remember just because of the melody. Music hooks people in and leaves a lasting impression on peoples brains that they won’t forget.

It’s inexpensive, you could could buy a couple tracks online and slap them in there. Or if you don’t want to worry about royalty fees you can make it yourself. There’s software that helps you with this process and is really easy to use.

Music is also the universal language. Do you want to cross all barriers with your project? Do you want to market to people all around the globe? You need background music. this is the tool that will attract people of all ethnicity’s to you and your project.

Now I’m sure your project is good as it is, but that’s not good enough. You want everything you put your hands on to be phenomenal in every way. You need the background music to take it to the next level. Make it professional, brand it, and give it universal appeal inexpensively with background music. Make a lasting impression.

Music Offers One of the Most Exciting Careers

If you are serious about a contemporary music career, selecting the best type of music school education is very important. An ideal school is one that offers comprehensive, hands-on education in contemporary music performance (typically, guitar, bass, drums, keyboards and voice), recording, songwriting, original music production, music business and related fields such as music video production and instrument-making.

Professionally-oriented schools offer programs designed to increase your technical skills, musicianship and performing experience to a level that will allow you to play any style of music. To evaluate the best schools of this type, you need to analyze the music course content along with the professional background of the instructors who teach them. Another valuable indicator is found in the record of students who have gone through the school – their success stories will tell you whether the school is providing relevant education.

Vocational music schools offer specialized training in instruments like guitar, keyboards, drums, bass, voice, and so on. Private instructors provide individualized training that suits your style and level while classes in technique, theory, and performance give you a broader foundation in musicianship.

Private schools and universities offer music programs ranging from Non-certificate training to Certificates, Associate Degrees, Bachelor Degrees, etc. Depending on your level of skill and the length of the program, you can either enhance and broaden your musical abilities for your own enjoyment or become an expert musician ready for concerts or the recording studio.

Hollywood, California is the location for several music institutes nurturing up-and-coming talent of different age groups. As the contemporary music capital of the world, Los Angeles also offers a vast number of private music teachers who can provide independent music lessons on typical contemporary instruments such as bass, guitar, keyboards, drum set and voice.

For the serious student, larger music institutes in Hollywood provide comprehensive training in contemporary music performance and technology, with courses designed by world-renowned music teachers and professionals.

Option One Mortgage Loans – Getting an Option ARM or Option One Mortgage Loan

Have you heard about or been interested in finding out more about option one mortgage loans? They are becoming very popular, but its important to understand how they work before you apply for one. I will describe, in this article, an overview of the most common type of option ARM mortgage loan or option one mortgage loan.

How do they work? Option one mortgage loans are basically interest only mortgage loans, except that the first year, you pay only 1.25% of the interest on the loan. The remainder of the interest that is accruing is being added to the loan amount. The second year of the loan you pay more interest until gradually you are paying either full interest only payments or fully amortized payments (interest & principle). The reason the loans are called option loans is because every time you have a payment due, you have the option of paying the less than interest only portion, interest only or a fully amortized payment. This option would be good in a situation where your income is sporadic.

This mortgage loan type typically gives you 4 payment options in every bill.

Here are your typical monthly payment options:

Option #1 – Pay a 15-Year fully amortized payment amount (p&i)

Option #2 – Pay a 30-Year fully amortized payment amount (p&i)

Option #3 – Pay the interest-only portion of the loan (Interest Only)

Option #4 – Make a partial interest payment (1.25% – 1.95% depending on your loan type) and defer paying the additional interest to the total loan amount. (Deferred interest can be counteracted by making bi-monthly payments and by property appreciation)

This type of loan is good if you want to:

Wait a while to refinance again – If interest rates drop again, so does your payment. If you want to accelerate your payments and increase equity quick, pay more on your loan and it will be applied to future payments & will be directly applied to the principle balance. Will you want a 30-year loan? Keep the option to pay your loan as a 30-year, 15-year, or interest only payments.

Have an adjustable rate mortgage but want stability – This loan has a payment cap. The interest rate on this loan is based on the 12 month-MTA index, the most stable index of the 4 main indexes (COFI, LIBOR, MTA & CMT). This index is always below prime. The interest rate is based on the world economic markets which have been steadily coming down over the last 3 years. This loan has a 5-year fixed payment option as well.

Invest your payment savings in something else – This could open up opportunities for you if you could invest in real estate, the stock market or another investment when you use the extra $500-1000+ a month you free up from your property payment.
Pay off debt with your payment savings – You can use the payment savings to pay off other debt.

Have security and options in your mortgage loan – The main benefit to this type of loan is the security of a mortgage payment that you control. You decide at any time what kind of a mortgage you want. If all goes well in your future, you have the freedom to pay your 30 year loan into a 15 year loan without even consulting another mortgage broker.
Get more home for your money – You can qualify for more home with these low payment options.

Who Can Qualify? Qualifying for this loan is basically the same as any other loan, it is based on credit, equity & assets, if you are strong in 1 of these or 2 of these, you could probably qualify and with lowest rate possible.

What if I want to take out a stated income loan? “Stated Income” or “No income/assets” loans are possible with this Option One Loan.

These are just general guidelines and information about this type of loan. You will want to discuss all of these details with your broker or lender before you actually complete the loan. These factors may vary with each individual lender.
Many lenders do not offer their customers this type of loan. If you are seeking an option one or option ARM loan, you will need to talk to your broker about it or find a broker that can do this type of loan. To see our recommended lenders for this type of loan. Visit here: Option One Mortgage Lenders.