Archive for Financial Services

Bootleg Movie Download: Are Bootleg Movie Download Making Everything From Bad To Worse?

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By Anu Kool

So you think that maybe one or two (or more) bootleg movie download wouldn’t be that bad, right? After all, how can it possibly affect the rest of the world’s film industry when it is just one movie, after all? Or is that, one movie download at a time? Unfortunately, that one movie represents months of hard work, not to mention the pre and post production labor that usually goes along with it; and the very large amount of money being invested into its making and promotion. Investing money in one Hollywood movie project can easily go into millions of dollars. Although other movie outfits in other parts of the globe do not invest as much, one movie still represents a huge amount of financial resources.

From a lone individual’s point of view, a bootleg movie download is just that: one digital file to watch and discard or collect afterwards. But for most movie outfits out there that have investments running on each movie project, including contracts with CD/DVD distributors, they only see continuous downloads from different individuals, from all over the globe, all at the same time. These individual ‘pirates’ no longer feel the need to pay for the movies they are watching, which basically represents huge losses in potential CD/DVD sale.

Additionally, there are other people who see this as an opportunity to make money the underground way. According to a recent study, over 100 million pirated CDs and DVDs are flooding the black markets, selling pirated versions of the most recent films. Some of these films are in fact, still being shown in cinemas at the same time. On this note, selling pirated copies like these represents huge losses in potential movie theater ticket sales.

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Both scenarios constitute revenue loss for the film industry and not by a marginal percentage either. It is estimated that the loss of potential income for one movie, (including possible ticket sales, CD/DVD distribution rights, etc.) is close to 35% of the actual movie earnings.

If such statistics confuses you, then we should clarify. That money that pirates (individuals to organized groups) eventually cull from movie outfits earnings could have been used to help save the jobs of many studio workers, particularly the blue-collars who perform the grittiest tasks like maintenance, set construction, etc. After all, a movie is not just about actors and directors. The same money could also have been used to improve movie production by hiring more post-prod talents like animators, video editors, etc.

Although most of us do not feel the effects of bootleg movie download on a personal level, this practice is actually making it difficult to sustain a film industry that basically runs on financial revenue. So in turn, the film industry has no other option but to raise theater ticket prices and CD/DVD prices, just to break even.

In case you haven’t noticed, the higher the prices of legit movies become, the more pirated copies emerge. The funny thing about this is that people reason that they only practice bootleg movie download because theater prices are too high or the CD/DVD is too expensive.

One way of stopping this out-of-the-frying-pan-and-into-the-fire practice is to subscribe to legal online movie distributors like BootlegMovieDownload.ws. Yes, there is an asking fee. But their rates are more than reasonable, considering that one movie ticket in cinemas now can sometimes cost you more than $15; and more importantly, online companies like this give back due resources to movie outfits with distributor’s fees.

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When Should You Remortgage Your Home?

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By Michael Sterios

If you’re a homeowner, you’ll know only too well the cost of owning a house. With ongoing maintenance costs, council tax and more, often being a homeowner is at the expense of things like holidays and new cars. However, this needn’t be the case, with remortgages proving extremely popular over the last few years when it comes to needing extra money.

Additionally, remortgages are also an excellent way to make sure you continue to get the best interest rate available, and offers you the chance to change mortgage lenders or providers if necessary. Despite this, many people still aren’t taking advantage of this opportunity, through a mixture of misunderstanding and belief they have the best deal anyway. This is why it’s important to look at what a remortgage can offer you.

Getting a Better Interest Rate

One of the prime reasons for remortgaging your home is that it can help you choose a better interest rate than what you’re currently paying. For example, when you first buy your house, you’ll usually either take out a fixed-rate mortgage or one that has a variable rate.

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Because interest rates fluctuate quite often, it doesn’t make sense staying in a fixed interest rate mortgage that is charging 5%, when you could easily swap to one that’s only charging 4.5%. The same goes for variable interest mortgages – use the opportunity that a remortgage offers you to swap to a lender that can offer you a lower interest rate than what you’re currently paying. Even if you find that there’s a penalty for doing this, the savings you make will be more than worth the cost.

Release the Equity in your Home

Another benefit that remortgaging your home can offer is that it can release a lump sum of money whenever you need it. This can be for a variety of reasons, and best of all it’s often far cheaper than taking out a more traditional loan from a bank or similar.

Many homeowners are now using the equity in their home to pay for things like a child’s wedding; home improvements and renovations; or even a luxury cruise for a special occasion, such as a golden wedding anniversary. You can even use the money release by a remortgage to buy yourself a new car – unlike a lot of normal loans, there’s no restrictions on what you use the money for.

How it Works

One of the reasons there are still so many people not making use of this easy way to free up some extra money is that they misunderstand what a remortgage involves. However, it’s a fairly straightforward process yet can make such a difference to you financially.

At its simplest, remortgaging your home is simply replacing your current mortgage with a new one. This may mean only changing the type of mortgage you have with your current lender, or changing lenders altogether. Just like an actual mortgage, there are a host of different rates and types of remortgages available to you, so before you make the final decision, make sure you shop around.

About the Author: Discuss your Remortgage needs with a qualified Mortgage adviser at ukmortgagesource.co.uk

Source: isnare.com

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