Fine Print 6 01 Cracked
When you take on a federal student loan to pay for your schooling, the terms are consistent and everything will be spelled out neatly for you. But when it comes to, there are differences from lender to lender, from loan to loan and even borrower to borrower. Even to the same borrower, different private student loans can have different.
The scary thing is all of that fine print can make your head swim and you may just sign without giving it a good read. That’s never a good idea when it comes to financial contracts. Even if you’ve already signed a student loan agreement, finding out exactly what you agreed to is very important! So below we’ve cracked the code on the terminology used in private student loan contracts in hopes it will help you dissect your document! Annual Percentage Rate (APR) This tells you the average you’re being charged. In some cases, this will be a flat percentage that won’t vary.
In other cases, if you have an interest rate based on an index or other rate, it will vary as that associated rate varies. Index With many private loans, there is a base interest rate with a spread tacked on.
For instance, it could be on a published financial rate plus a certain number of points (the spread). If your points were set at three, you would pay the base interest percentage plus three more percentage points. Prime Rate This is the rate that banks charge their very best customers for loans. This is likely not the rate you’ll be charged for your student loan – more likely is it will serve as the index and you would pay this rate plus a spread of points on top of it. So if the prime rate was 3% and you had a margin of three points, you would pay 6% until the prime rate shifted. LIBOR This is the London Interbank Offered Rate and is intended to be the rate that banks in England loan money to each other.
It is a rate commonly used with financial contracts, but over the past year there have been, so it’s one to watch. This would be an index that would have points tacked on just like the prime rate.
Origination Fee This is also called an “O Fee” and is intended to cover the cost of processing the loan (but is truly outrageous!) These can be paid out of pocket, but usually get added to the principal and increase the total amount of your debt. The amount will depend on your credit worthiness, income and other factors. It is usually set as a percent of the loan. If you borrow $20,000 and have a 5% O Fee, you’ll have $1,000 tacked on!
Disbursement Fee This is a fee charged to pay out what you borrowed. Doesn’t make a lot of sense and seems like the origination fee should have covered this, but look and see and you might find this one tacked on to your principal as ell by your!
Insurance Fee This fee can be tacked on by your lender if they choose to insure your loan against any number of conditions that might prevent you from repaying. Rather than being added to the principal, this would be deducted from the amount that is disbursed to you lowering what you are able to use to pay your school tuition and fees. Deferment Fee This is a charge that can be levied if you request to defer your loan for any reason. Repayment Fee This can be tacked on by your lender at the start of your repayment period and will be a percentage of the outstanding balance at that point. Miscellaneous Fees These can vary by lender and are just opportunistic profit-seeking add-ons to watch out for.
Truth in Lending Disclosure Also called the TIL, this must be sent by your lender to you or on or before when your loan is disbursed. This must disclose your APR, the dollar amount the interest will cost you, the principal amount you’re financing and the total you will pay off by the time your loan is paid in full. We hope these definitions and samples can help you crack the code on your student loan. The bottom line is that private student loans will come with more and higher fees than will federal student loans. But best of all is to not borrow at all if possible! Remember, not everyone needs to go to college to earn a substantial living.
High paying professions such as transmission repair technicians are into this much-needed industry. But if you’re more into engineering than engines, college may be your path. And if you’ve already got student loans, we can help! To view all of your loans – public and private – in one easy interface. Also enjoy these recent Tuition.io blogs on related topics.
6 The Guy Who Played Darth Vader Never Earned A Cent In Star Wars Royalties The role of Darth Vader in Star Wars may have made James Earl Jones a legend, but the guy who actually wore the suit, David Prowse, had no such luck. If you don't know the story, the short version is that Prowse performed as Vader, acting and speaking in all the scenes, as actors do, only to have his voice later overdubbed by Jones without his knowledge. One of the most iconic roles in movie history was half-yanked out from under his nose. He never starred in another movie again after the Original Trilogy. But at least he went on to live the high life on Star Wars' smash hit profits, right? Read Next In fact, almost no movie ever has. A whopping 80 percent of all Hollywood films record that they lost money and made zero profit.
Holy shit, how does the industry even exist? To find out, we need to of Hollywood accounting. Here's how it works: If you read the credits at the end of any high-budget movie, you'll usually see a credit to something like 'Batman v. Superman LLC Inc.' That's because every movie is set up as its own company, independent but answerable to the studio that produces it. The studio then proceeds to charge the shell company several times what it truly costs to make the movie, so even if the film makes crazy profits at the box office, the shell company will never be able to pay the studio back.
That's okay, because the shell company and the studio are the same people. On the books, however, the movie records a loss, which means they don't have to pay anyone in their contract. Always get the gross points, kids. 5 The Conjuring Offered A 'Contest' For Sequel Ideas Where The Prize Was $50 And No Credit Horror film series The Conjuring has had an absurd number of spinoffs centered on seemingly every side character or object that's appeared in the main franchise. They made two movies about that spooky Annabelle doll that showed up in a prologue in the first movie. They made a movie about who turns up occasionally in the sequel.
They're that's about the Crooked Man ghost that climbs out of a children's toy. It's gotten to the point where Warner Bros. Is now calling on Conjuring fans (known as 'Conjurers' or 'Warreners') pick the next piece of Conjuring scenery that gets its own movie. In fact, a 'My Annabelle Creation' recently wrapped up. It invited budding filmmakers to make a short film based on the Conjuring franchise. Red Letter Media co-creator Mike Stoklasa and figured it might be a fun project for RLM to submit their own entry, as a gag if nothing else.
That's when Stoklasa did what few people ever bother to do and read the legal fine print on. Buried under almost 8,000 words of legal gobbledygook, it states: Each entrant agrees that, in addition to the license granted above, sponsor (or any of sponsor's parents, affiliates, or subsidiaries) may, upon written notice to entrant at any time within approximately three (3) months of the verification of the winner in this contest, acquire from entrant an exclusive and irrevocable option to purchase all right, title and interest in and to his or her entrant content ('option') in exchange for fifty U.S. New Line Cinema We just thought of an idea scarier than the doll: lawyers. In regular language, that means that if you win the contest, Warner Bros. Immediately owns your idea and gets to strip you of all credit in return for a crisp $50 bill.
The contract goes on to state that if they eventually decide to adapt your film into a full-length movie, they will slam down another $50 bill. And then never speak to you again. You don't need a spreadsheet to tell you that's hot bullshit, at best a tiny fraction of what you might have spent making the video in the first place.
But there is one other part of the prize we didn't mention: getting flown out to LA to meet with David Sandberg, the Annabelle: Creation director, personally. So that's still something. Except the contract also stipulates that if he can't fit you into his schedule that day, he won't meet you, and 'no substitute or replacement will be provided.' So that's now literally nothing. Let's back up a bit. Shortly after her novel was published, Gerritsen optioned the film rights to New Line, whose adaptation made it all the way into pre-production.
Ultimately, this project fell through, and Gerritsen didn't hear anything more about it. Life's like that, chin up kid, etc. But fast-forward a decade, and Gerritsen caught wind of a very familiar-sounding film in production. The film was called Gravity, and it was being made by Warner Bros., which had bought New Line in the intervening decade. Now, initially, she as a coincidence.
Sure, it was the same studio and encompassed many of the same plot points, and sure, it had the exact same title, but it's not all that unlikely that someone else would come up with a story about an astronaut lost in space and that they would title that story Gravity. Also, the first half of her book deals with the astronauts getting killed off one by one by an alien life form, a plot point notably missing from the floating Sandra Bullock movie. Pictures Unless they were getting hit by Galactus turds. But later on, Gerritsen found out the director who to direct her adaptation was, you guessed it, Alfonso Cuaron, who now evidently wrote this new movie himself. Gerritsen lawyered up faster than Garfield eats a lasagna, but the judges, essentially on the premise that Warner Bros.
Download game house bounce out gratis full. Wasn't obliged to honor any of New Lines' old contracts. Gerritsen learned a hard lesson about the movie business and skulduggery in general. Which should have been the end of the story. But it wasn't. In 2017, the film Life was released, about a team of astronauts who get killed off one by one by an alien life form that features the exact same characters (with different names) that appeared in the Gravity novel. It looks an awful lot like they took the parts they discarded the first time around and made a whole second movie out of it.
Gerritsen claims she's, and we can hardly blame her. There are only so many trips into Hollywood's legal snake pit a person can be expected to take. Giger Was Repeatedly Screwed Out Of The Alien Sequels If you've ever heard of the Swiss surrealist H.R. Giger, it's most likely for his role in designing the title character from Alien. Ridley Scott wanted to find someone who could design the scariest movie alien of all time, and Giger, the famous horrific artist, fit the bill. Really fit the bill; his work wound up winning him the 1979 Oscar for Visual Effects.
And that's where his contribution to the long-running Alien franchise ended. You probably assumed that he was involved in at least a few of the thousand sequels, prequels, and Vs.
Predators that came afterward, but the truth is that despite Giger's ongoing passion for the franchise, Hollywood. When James Cameron's Aliens went into production, Giger assumed he'd be summoned to design more walking-penis-with-teeth-with-another-penis-with-teeth-for-a-tongue creatures, and even turned up with a bunch of new designs. But Cameron snubbed him completely, preferring to employ his close friend Stan Winston to design the aliens and effects, a decision which left Giger 'perplexed and generally hurt.' Then Alien 3 came around, and David Fincher decided to approach Giger for ideas.
Giger was so excited to be involved again that he cranked up production on new xenomorph designs, and even told the studio that he wouldn't charge them for his time. After drawing up a bunch of designs for the new alien, including a full working model. Giger found himself snubbed again. 20th Century Fox to design the creatures, and although they were pretty much that appeared in the original, they refused to give Giger any payment or credit for the initial design.
If you had any preconceived notion about Giger before now - keeping in mind he made Lovecraftian, psychosexual, biomechanical penis-monsters - then you'd probably be surprised to learn that he was the sweetest guy in the world. He responded to every Hollywood snub with a nod and a slightly hurt smile, and when asked about the ongoing reaming he was getting from the multi-billion-dollar franchise he helped create, he replied simply, 'All I ever wanted to do was make a good Alien.' You did, H.R. It's just a shame you only ever got to make the one.
2 Hollywood Stole A Guy's Screenplay And Made It Into A Matt Damon Movie In 1995, budding screenwriter Jeff Grosso titled Shell Game to Miramax. Grosso was a poker enthusiast who paid his way through film school by playing Texas Hold 'Em semi-professionally, so it was natural that his first script would be about poker. In 1998, the movie based on his script, Rounders, was released, boasting an all-star cast featuring Matt Damon, Edward Norton, Famke Janssen, and John Malkovich. Grosso had never heard of it before it hit theaters. He discovered that his movie had been made at the same time everyone else did, and his name doesn't appear in the credits. Grosso went ahead and sued the studio for stealing his story, but in 2006 a judge. The reasoning was that Grosso had neglected to sign a proper contract with the studio agreeing that they wouldn't steal his idea.
You see, a popular loophole in Hollywood is the fact that 'ideas' aren't subject to federal copyright protection. Expression of ideas is protected, but the law has a lot of trouble interpreting what that means. So if you're a powerful enough film studio, you can totally steal someone's script and change just enough of the minor details that it magically now belongs to you. This is far from the only time it's happened.
The films, and have all been sued by amateur screenwriters for this kind of 'idea theft.' We don't know how many of these are genuine cases of theft as opposed to simple coincidence, but in any case, it's clear that you shouldn't pitch a movie to Hollywood if you're not flanked by a conga line of agents, lawyers, and maybe a witch or two. 1 The Voice Cast Of Space Jam Was Not Invited To The Premiere You might not be immediately familiar with the name Billy West, but. He's Fry, Farnsworth, and Zoidberg. He's the goddamn Red M&M. He's the most ubiquitous and hard-working cartoon voice actor in pop culture. And when Hollywood premieres a big-budget production that he performs in, you'll find him.
In the guest section. If he was even invited. See, as far as Hollywood is concerned, a voice actor might as well be the guy who buys the Starbucks for the intern's assistant.
Even West, who 'the new Mel Blanc' for his incredible range, gets the same treatment. They'll begrudgingly list him in the credits, but he won't get an invitation to the after-party. West has been about how voice actors are 'the redheaded bastard stepchildren of the industry,' noting how they're in high-budget cartoon productions in favor of A-list actors who can't voice-act their way out of a bag. But the A-list actors put butts in the seats and look better on the red carpet, and that, as they say, is that.
One anecdote illustrates this point perfectly. One of the highlights of West's career was when he voiced Bugs Bunny in Space Jam. And he nailed it - who could even tell that wasn't Mel Blanc back from the grave? So when the premiere rolled around, he and his friend Bob Bergen (who voiced Porky Pig) knew they probably wouldn't be walking the red carpet, but they at least expected an invitation. But when their agents inquired about it, 'The premiere is only for the talent.' Pictures 'Of course, you realize this means war.' Given enough pressure from West's agent, the organizers eventually sent him a ticket.
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But when West rocked up to Grauman's Chinese Theatre on opening night, the bouncers told him that his seat was in the 'overflow theater' next door - basically where all the extras, makeup artists, janitorial staff, and everyone else evidently more important than the guy who voiced the main character got to sit. It is our responsibility to assume that West then dressed up as a female rabbit and seduced his way past the bodyguards to his rightful seat next to Michael Jordan. Peter Davis is the creator of the YouTube series, and is the author of the book. If you loved this article and want more content like this, support our site with a visit to our. Or sign up for our for exclusive content, an ad-free experience, and more. For more check out and. Subscribe to our channel and check out, and watch other videos you won't see on the site!
Fineprint 6 01 Cracked Download
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