But person who is taking loan must have some other "insurance instrument".

I charge $295 for CFFU, and I am glad to help.The other side of the argumentI attended college at one of the best music schools in the nation, the University of Cincinnati College Conservatory of Music.

To make the situation even better, my attorney recommended including self-serving language in the security instrument to the effect of, "This loan is made without the expectation of any return to the lender other than what is laid out specifically in this instrument," or something like that.

That will let you talk about what is important to each of you, get it in black and white and then it can be sent to an attorney to draft the note and security instrument or note as described.Forwarding a random note that may or may not be used to me seems a bit like wasting time.

Lights up with a bunch of LED's and patterns with the music.

And the amount could be anywhere from just a token ($50-100) or something substantial ($500+), depending on how instrumental they were in the project succeeding or how much they have helped me in the past on prices when I needed help.I also go out of my way to get my contractors more business -- I'm pretty sure they appreciate this more than the cash.

We've got a very modern infrastructure, a full instrumented app (meaning that it self reports problems) and a large team of engineers that tackle issues as they come up.

Napster "disrupted" the music industry, just like Airbnb is disrupting the Hotel industry.

He bought a debt instrument at a discount to the principal balance owed on the note.

I'll be getting good cash flow...but it doesn't have any panache, any pizzaz etc...You're absolutely right about the investors...I'm probably gonna work harder at my music business this year to earn the down payment myself.