Tuesday, July 31, 2007 

Why I Hate Flash Audio and What I Did About It

I love spoken-word audio. I've been listening to seminars, lectures, and books on tape for years.

I love downloadable audio. Missed that teleseminar you signed up for? Just download the MP3 (or Real Media, or Windows Media, or QuickTime) file and it's almost as good as being there--maybe better.

But I really dislike streaming audio of the kind you can't download, and I find the new trend to use Macromedia Flash to provide audio clips online particularly irritating.

Why? Because I don't want to have to sit in front of my computer screen to listen to something. The only time I might want to do that would be if I were taking notes, or if the recording were a set of instructions on how to do something with a computer program. When I'm at my computer, I'm usually busy doing something that requires concentration (like writing).

I want to do my listening when I'm away from my computer and doing something that occupies my hands but not my full attention. In my case, that's primarily when I'm driving and when I'm cooking. And while I could theoretically prop my laptop on the passenger seat while I drive, I can't (yet, anyway) get a connection to the Internet while going 65 miles an hour. Besides, the car stereo has much better speakers than the laptop does.

The whole point of podcasting, after all, is to allow people to download and listen at their leisure, the same way RSS news aggregators let you collect blog headlines and other news at your own convenience. These streaming-only audio clips (.ram as well as Flash) don't give you that option. And that snarks me off.

And yes, I do realize that people want to protect their intellectual property and that's one reason they use non-downloadable streaming audio. I respect that. But I don't want to sell or otherwise redistribute their material. I just want to listen to it on my time. To users of streaming audio I pose the question: would you rather I just didn't listen? Would you really prefer that I just miss your marketing message altogether?

Because that's what was happening before I thought of a way around the Flash barrier.

In May I made one of my best investments of 2005 and bought a $10 mini-stereo audio cable. I plug one end into the laptop's headphone socket and one end into the cassette recorder's microphone port. Or I plug the other end of the cable into the microphone port on the laptop and record it onto my computer to play on my new MP3 player. (My current preferred recording software is the freeware program Audacity, available at http://audacity.sourceforge.net/download/ in versions for Windows, Mac, and Linux.)

It works like a charm. I now have access to all kinds of things I never would have listened to before, all thanks to a simple cable.

Now all I need is one of those car stereos with an MP3 player built in.

(c) 2005 Sallie Goetsch

"Author-izer" Sallie Goetsch started helping other people with their writing at the age of nine. Before going into business for herself, she translated, directed, produced, and was sometimes forced to act in Greek and Roman plays, as well as founding an electronic journal. Her FileSlinger(TM) Backup Blog (http://www.fileslinger.com/blog) was recently featured in the San Francisco Chronicle. Visit http://authorizer.fileslinger.com to learn how to become an author whether or not you can write.

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Yield Spread Premium - Why Everyone Gets Cheated on Their Mortgage

Yield Spread Premium is the retail markup mortgage companies and brokers charge without telling you. Mortgage loans are commodity products just like cars and if you adopt a car buying mentality when refinancing your mortgage, you will save a lot of money. Here is what you need to know about Yield Spread Premium and how you can avoid overpaying for your next mortgage loan.

Mortgage companies and brokers are simply retail outlets for wholesale mortgage lenders. Just like car dealerships, mortgage companies mark up the interest rate on their mortgage loans to make a profit. When your car dealer sells automobiles they purchase the vehicles wholesale and mark them up for their showrooms. If you know the blue book value of the vehicle you want to purchase, you have an advantage when negotiating over price because you know what the dealer charged. The same is true with mortgage loans. If you know the interest rate the wholesale lender qualified you, it is possible to avoid paying the retail mortgage companies markup.

Yield Spread Premium is the term for the retail markup of your mortgage interest rate. When you apply for a mortgage loan the wholesale lender that your mortgage company or broker deals with qualifies you for a specific mortgage interest rate. The wholesale lender provides a written guarantee of the interest rate to your mortgage company or broker. Your mortgage company marks up the interest rate and provides you a separate written guarantee of a higher interest rate. Mortgage companies charge Yield Spread Premium because they make one point for every .25% they mark up your interest rate. One point is equal to one percent of your loan amount; this is a lot of money the mortgage company receives for lying to you.

How can you avoid paying Yield Spread Premium when refinancing your mortgage loan? If you know the blue book value of the vehicle you are purchasing you can avoid excessive markup by the dealership. Knowing the wholesale interest rate you qualify for when mortgage refinancing gives you an advantage and can help you avoid paying retail markup. So how do you find out what interest rate the wholesale lender qualified you for? You can learn this and more, including costly mortgage refinancing mistakes to avoid by registering for a free mortgage tutorial.

To get your free mortgage guidebook visit RefiAdvisor.com using the link below.

Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders. For a free copy of "Mortgage Refinancing - What You Need to Know," which teaches strategies to find the best mortgage and save thousands of dollars in the process, visit Refiadvisor.com.

Claim your free mortgage refinance information guide today at: http://www.refiadvisor.com

Yield Spread Premium

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