Priebus: Economy's Worse, but Cites Gas Prices, Greece

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Video: SportsTalk: Peyton faces Super expectations

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Court won't reduce student's music download fine

WASHINGTON (AP) ? The Supreme Court won't reduce the $675,000 verdict against a Boston University student who illegally downloaded 30 songs and shared them on the Internet.

The high court on Monday refused to hear an appeal from Joel Tenenbaum, of Providence, R.I., who was successfully sued by the Recording Industry Association of America for illegally sharing music on peer-to-peer networks. In 2009, a jury ordered Tenenbaum to pay $675,000, or $22,500 for each song he illegally downloaded and shared.

A federal judge called that unconstitutionally excessive, but the 1st U.S. Circuit Court of Appeals reinstated the penalty at the request of Sony BMG Music Entertainment, Warner Brothers Records Inc. and other record labels represented by the RIAA.

Chief Justice John Roberts and Justice Stephen Breyer did not participate in this decision.

Associated Press

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Things To Consider When Refinancing A Commercial Loan ...

Are you looking into a refinance of your current commercial loan agreement? Or has
your bank offered to discount your current mortgage? When thinking of your modification, it's the benefits that you should consider carefully. This is why savvy commercial real estate investors have been turning to Winston Rowe & Associates a no upfront fee company with a reputation for quality underwriting, fast turnaround, and excellent service,

For more information, you can contact Winston Rowe & Associates at 248-246-2243 or visit their website at http://www.winstonrowe.com

Why Consider A Commercial Loan Refinance?

Interest Rate Changes:

You may have heard other lenders and there offering of low interest rates, or your loan could be tied up with a high interest rate. In such cases it might be possible to refinance loan agreements with another lender or even renegotiate your loan terms with your existing lender.

Check out Winston Rowe & Associates free commercial real estate investor resources at: http://www.winstonrowe.com/Free_Real_Estate_Resources.html

Extend The Loan Term:

Increasing the amortization period from 20 to 25 years, can have a significant impact on the repayment amount. Your overall interest payments would be higher, buy your cash flow would be made healthier by reducing your regular payments. In most cases, business that are having problems making payments can be helped by improving capital in this way.

Cash Out:

If you?re lucky and have equity within the business pulling out some cash could free up some spending capital. This can offer at least two major benefits, namely enabling you to invest the capital at a good rate of interest or provide you with a cash sum to enable expansion.

Consolidate Multiple Loans On The Property:

You may have a few loans that can be combined into better terms. Many business owners that refinance commercial loans through combing loans in this way can save a great deal in their monthly repayments, particularly useful in a business that relies in a strong cash flow situation.

In your reasoning for refinancing or modification of the loan, there needs to be benefits to you. Otherwise there is no logic in doing so. This benefit can be related to improved cash flow, tax benefits or expansion through the acquisition of capital assets such as equipment, increased office space or improved manufacturing facilities.
Now let's consider 'How' you are going to refinance your loan:

You can either refinance your loan with your existing lender or with an alternative, like Winston Rowe & Associates. If you cannot refinance your loan you might do a commercial loan modification. Many business owners tend to change their lenders for a better deal: a lower interest rate, longer period, reduced debt amount, or eliminate late payments. A clean loan modification, can and will generate positive results for you as well.

Through Winston Rowe & Associates efficient, end-to-end commercial real estate financing solutions they provide commercial mortgage capital to owners of all commercial property types. With flexibility and speed of execution, they are able to offer a broad range of financing capabilities.

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31408 Harper Ave
Suite 147
Saint Clair Shores MI 48082
248-246-2243

Winston Rowe & Associates has no upfront commercial loan programs in the following states.

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Carrie Underwood Blows Away Audience at Billboard Music Awards

Blond beauty Carrie Underwood performed the title track to her chart-topping new album, Blown Away, live at last night's Billboard Music Awards.

Showing off her unmistakably powerful pipes (and other attributes), Carrie commanded the stage with what she calls one of the darkest songs she's ever written.

Dark or not, it was a terrific effort, don't you agree?

Carrie Underwood - "Blown Away" (Billboard Music Awards)

At the event, Carrie talked to reporters about Robin Gibb, who died earlier in the day, and how she used to listen to the late Bee Gees singer as a kid.

"My parents both listened to the Bee Gees quite a bit when I was little, so I was definitely exposed to them at an early age," she said.

"They just had a sound that was all their own, obviously, [it was] never duplicated," she added. "They were very influential on music in general."

"It's very sad to hear about any loss. There have been a lot of legends lost this year, so it's always sad to see it happen, but they are paying a couple of tributes here, and I know that they'll be classy and respectful and allow us all to remember them."

The most notable: John Legend and Jordin Sparks' tribute to Whitney.

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Q&A: Should someone with a poppy seed ... - Health and Fitness

Question by snb24: Should someone with a poppy seed allergy get a medical alert bracelet?
I have a poppy seed allergy, and sometimes i is hard to tell if there are poppy seeds in certain foods so I am very cautious about what i consume. What if I for some reason or another get injured or need surgery. Should I have a medical alert bracelet to warn physicians of my condition, because i do not know how I will react to opiates?

Best answer:

Answer by Dotty Senta
about it you can get information from here http://webmd91.notlong.com/AAVgAPs

What do you think? Answer below!

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Strong quake kills at least 4 in northern Italy

Debris of collapsed buildings block a road in Finale Emilia northern Italy, Sunday, May 20. 2012. A magnitude-5.9 earthquake shook northern Italy early Sunday at 4:04 a.m. Sunday between Modena and Mantova, about 35 kilometers (22 miles) north of Bologna at a relatively shallow depth of 10 kilometers (6 miles). (AP Photo/Marco Vasini)

Debris of collapsed buildings block a road in Finale Emilia northern Italy, Sunday, May 20. 2012. A magnitude-5.9 earthquake shook northern Italy early Sunday at 4:04 a.m. Sunday between Modena and Mantova, about 35 kilometers (22 miles) north of Bologna at a relatively shallow depth of 10 kilometers (6 miles). (AP Photo/Marco Vasini)

A woman cries as she reacts right after an earthquake in Sant'Agostino, Sunday, May 20. 2012. A magnitude-5.9 earthquake shook northern Italy early Sunday, killing at least three people and toppling some buildings, emergency services and news reports said. The quake struck at 4:04 a.m. Sunday between Modena and Mantova, about 35 kilometers (22 miles) north-northwest of Bologna at a relatively shallow depth of 10 kilometers (6 miles), the U.S. Geological Survey said. (AP Photo/Luca Bruno)

Residents look at the damages caused by a quake in Finale Emilia northern Italy, Sunday, May 20. 2012. A magnitude-5.9 earthquake shook northern Italy early Sunday at 4:04 a.m. Sunday between Modena and Mantova, about 35 kilometers (22 miles) north of Bologna at a relatively shallow depth of 10 kilometers (6 miles). (AP Photo/Marco Vasini)

A woman and a man react right after an earthquake in Sant'Agostino, Sunday, May 20. 2012. One of the worst quakes to hit northeast Italy in hundreds of years rattled the region around Bologna early Sunday, killing at least four people, collapsing factories and sending residents running out into the streets, emergency services said. (AP Photo/Luca Bruno)

A man looks at the damages caused by a quake in Finale Emilia northern Italy, Sunday, May 20. 2012. A magnitude-5.9 earthquake shook northern Italy early Sunday at 4:04 a.m. Sunday between Modena and Mantova, about 35 kilometers (22 miles) north of Bologna at a relatively shallow depth of 10 kilometers (6 miles). (AP Photo/Marco Vasini)

SANT'AGOSTINO DI FERRARA, Italy (AP) ? A strong earthquake shook northeast Italy early Sunday, killing four people, tearing off chunks of church facades and sending panicked residents into the streets. Aftershocks wreaked more havoc in the region, including knocking down a clock tower and injuring a firefighter.

The magnitude-6.0 quake struck at 4:04 a.m., with its epicenter about 35 kilometers (22 miles) north of Bologna at a relatively shallow depth of 5 kilometers (3.2 miles), the U.S. Geological Survey said. Civil defense agency official Adriano Gumina described it as the worst quake to hit the region since the 1300s.

The four people killed were factory workers on the overnight shift when their buildings, in three separate locations, collapsed, agency chief Franco Gabrielli said, In addition, he said, two women died ? apparently of heart attacks that may have been sparked by fear. Sky TG24 TV reported one of them was about 100 years old.

Dozens of people were believed to be injured.

Two of the dead were workers at a ceramics factory in the town of Sant'Agostino di Ferrara. Their cavernous building turned into a pile of rubble, leaving twisted metal supports jutting out at odd angles and the roof mangled.

"This is immense damage, but the worst part is we lost two people," fellow worker Stefano Zeni said. News reports said one of the dead had worked the shift of an ill colleague. Elsewhere in the town, another worker was found dead under factory rubble.

In the town of Ponte Rodoni di Bondeno, a worker also died as his factory collapsed, news reports said, citing emergency workers.

Nearly 12 hours after the quake, a sharp aftershock alarmed the residents of Sant'Agostino di Ferrara and knocked off part of a wall of city hall. The building already had been pummeled by the pre-dawn quake, which left a gaping hole on one side of it.

The same aftershock knocked down the clock tower in the town of Finale Emilia, injuring a firefighter. Images from Sky TG24 showed the firefighter lying in the street near the rubble. The national geophysics institute assigned an initial magnitude of 5.1 to the aftershock.

The quake Sunday came as Italy was still reeling from Saturday's bombing that killed one person at a school in the country's south.

Pope Benedict XVI, in his traditional Sunday appearance from his studio window overlooking St. Peter's Square, said he was "spiritually close" to those affected by the quake, and asked people to join him in prayers for the dead and injured.

Emilio Bianco, receptionist at Modena's Canalgrande hotel ? housed in an ornate 18th century palazzo ? said the quake "was a strong one, and it lasted quite a long time." The hotel suffered no damage and Modena itself was spared, but guests spilled into the streets as soon as the quake hit, he said.

The fear was palpable in Sant'Agostino. Resident Alberto Fiorini said there was "pandemonium" during the night.

'I took shelter under the bed and I prayed," he told Associated Press. His house was not damaged, he said.

Many people were still awake at 4 a.m. and milling about town since stores and restaurants were open all night.

The epicenter was between the towns of Finale Emilia, San Felice sul Panaro and Sermide, but the quake was felt as far away as Tuscany and northern Alto Adige. One woman in Finale Emilia told Sky a child had been trapped in her bedroom by falling rubble for two hours before she was rescued.

The initial quake was followed around an hour later by a 5.1-magnitude temblor, USGS said. And it was preceded by a 4.1-temblor.

In 2009, a temblor killed more than 300 people in the central city of L'Aquila, where the historic center is still largely uninhabited and in ruins.

Associated Press

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