This is Mariah's highest note and this is the World Record Holder's highest. compare their G7s?

Some people said Mariah's highest note was G#7. The World Record Holder hits all Gs from G2 to G10. However I listened again to Mariah's G#7 and compared it to the record holders' G7. Mariah's was about 3 notes lower.

That means her g#7 is not really g#7, right?

Try listening,

This is Mariah's>>>>

http://youtube.com/watch?v=ZfFA6kr88eg&search=mariah%20national

This is the world record holder>>>>>>

http://www.georgiabrownmusic.com.br/index2.htm

compare and then tell me if I'm correct.
Please don't compare their careers, no doubt Mariah is the world's biggest selling artist
To rgreenfi: Moron, if that's screeching, she wouldn't be in the Guinness World Records

I don't know enough about music (octave range) and how to rate it.......but I DO OWN Mariah's first CD (Mariah Carey by Title)
and when she sings "Vision of Love" she hits at LEAST what she hit in the Star Spangled Banner, if not higher.

Have you ever heard "Loving You" by (the late) Minnie Ripperton?
She had a 6-octave range and I have to put it right up there with Mariah's range high..........as for your other video.......it's just amazing......

Thanks for the question and the links, I really enjoyed them!

POST-IT NOTE HOLDER

Note Holder

Understanding a Note Buyers Mindset

 

Understanding the Note Buyer's Mindset

 

Banks and other financial institutions purchase cash flows on a regular basis. These payment streams are often bought without a discount.

These payment streams are usually purchased from institutions with similar lending parameters. This means that the buyers are familiar with the credit rating and demographic of the payer, as well as the structure and critical metrics of the mortgage.

Imagine this situation, though: if the buyers were purchasing sub-prime mortgages, they wouldn't be as comfortable with taking on the note because it represents a possibility for higher risk. Logically, any offers to pay off a note holder upfront in exchange for the right to collect future payments will typically be "discounted," meaning the purchase price will be somewhat lower than the current note balance.

The discount is necessary in order to counterbalance the risks. limited equity, a payer with low or no credit score, possible foreclosure, or having to foot the bill for legal actions and then sell the property via auction.

Why the discount?

A discounted purchase price does two things: it limits the amount of capital the buyer has tied up in that mortgage, and it reduces the amount of money the seller receives for their cash flow.

If a mortgage buyer has purchased a mortgage at a discounted price, then the overall risk is lower, because there's less to lose in a bad foreclosure situation. Logically, the riskier the mortgage, the deeper the discount required to get potential buyers interested.

Ideally, the buyer of a secured note should be able to foreclose on the property and re-sell the house to recoup the entire initial capital amount. But, there are substantial expenses involved with foreclosure to take into account. The discount should make up for these extra costs, but it will not compensate the buyer for the hassles associated with the foreclosure situation.

As a result, many buyers will require an even deeper discount if they feel that a foreclosure situation is likely. The price must be low enough in order for the deal to be worthwhile for the buyer to get involved with the deal in the first place.

The note buyer market

The majority of seller-financed mortgages are sub prime loans; as such, they are considered by banking standards to be high risk. As a result, many lending institutions will not be interested in purchasing these private payment streams.

The good news is that there are plenty of other buyers who are interested in purchasing the monthly payments at a discount in order to take advantage of earning a yield percentage that is unavailable elsewhere - 20%, 30%, or sometimes even greater. These risk-tolerant buyers are comfortable with the foreclosure process when it becomes necessary, and know that seller-financed notes represent an unparalleled wealth building opportunity.

In order to achieve a yield commensurate with the risk involved, these savvy buyers will often offer less than the remaining balance on the note when purchasing these privately-held mortgages. As mentioned earlier, the discount increases the overall attractiveness of the note to the buyer.

There are exceptions, though - in some cases, prime notes with great equity, attractive security property, and an interest rate substantially higher than the market average will bring a high price.

Note buyers' priorities

Typically, buyers consider their risks in three general ways.

#1. Time-Value of Money. The note buyer's primary concern comes from the principle regarding the time-value of money - the factor that determines the amount of time it will take to get their initial purchase cost back. Longer terms usually have lower payment amounts, and it takes longer for the buyer to get their funds.

#2. Equity. Second on the "risk list" is the property value and the amount of equity in the deal. A small amount of equity creates an insignificant safety net for buyers should the note go to foreclosure. So, many will offer lower prices to create artificial equity and a lower Investment to Value (ITV).

#3. Payer quality. Buyers will look at the payer and the potential for default. Does the payer evidence a good recent history for steady payments and a consistent job history, despite a poor credit rating? Even if the payer's financial performance is not stellar, it isn't necessarily a problem as long as there is plenty of equity to protect the note buyer's capital. But when there is no safety net, the buyer will need to discount a note heavily if the probability of payer default is perceived to be high.

My company specializes in developing creative cash solutions, namely, we help note holders receive a lump sum of money in exchange for their secured real estate notes. These note holders are able to quickly liquidate their note for cash. After the note is created, it can be sold quickly for cash after the close of escrow.

You may feel uncomfortable and unsure the next step to take if you have a note your looking to cash in. Please feel free to contact Mike Surdyka at anytime at his email so he can further explain the process and how you can benefit tremendously from this opportunity. Thanks

Please visit our website and sign up for the monthly newsletter, and please take advantage of articles, advice and most importantly a free consultation to better assess your situation.

About the Author

Michael Surdyka is a cashflow specialist and has been in the multi-billion dollar note industry for 8 years.  He is considered a leading expert and offers free articles, advice, monthly newsletter and a FREE quote to anyone interested

Its a kind of note holder than has a big 'needle' in the middle of it was is it called?

thats tck as soon as i can i will give you best answer 'award'
i mean thanks

It's a spindle or spindle file.

How to make a post-it-note holder

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This entry was posted on Sunday, February 25th, 2007 at 10:25 pm and is filed under China. You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.