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What format should I choose and quality when ripping to Windows Media Player?

The formatting options are Windows Media Audio Windows Media Audio Pro Windows Media Audio (Variable Bit Rate) Windows Media Audio Lossless MP3 WAV (lossless), and each format has its own quality settings. So what is best for the use (and the format quality)? What scenario do you choose for each format? Thank you!

Well, if you are looking for the best compatibility with Mp3 players, and looking to save space on the hard drive of your computer, then I'd choose MP3. Mp3 at a speed of 192 kbps or more, has been shown in tests scientific blind listening, to produce a sound quality that is almost distinguish between mp3 file and audio CD to the human ear. (Although an MP3 encoded at 320kbps continues to be technically inferior to CD quality.) WMA and WMA Pro are the same format, but with only two different coders. Wma is the best format to use in terms compatibility, and some MP3 players also support this format. Wma, and mp3, is said to produce a sound quality indistinguishable from the CD to 192kbps bit rates human ears and above. However, at speeds below 128 kbps, WMA produces a sound quality that is superior to mp3 at similar speeds. But it is above all compatible as Mp3 format. Aka, WMA will not work on Macs WMA Pro is no different, but the most recent coding technique produces better sound quality, in the same bit rate as regular WMA. However, it is so small that most people will not tell the difference in audio quality of WMA. WMA Pro has been developed to provide technical support for 5.1 surround sound, in certain types of applications. Wma variable bit rate, is the same as WMA, in just that instead of a fixed bit rate, as 128 kbps or 192 kbps, which gives you a file that maximizes sound quality possible, but will give a file size that is smaller than a fixed bit rate Like the other WMA formats. Wma lossless, but is unique. WMA Lossless is on its own in terms of audio quality. You see, a WMA Lossless file, is a perfect rip of a CD. Or in other words, a perfect 1 to 1 copy of the CD. No digital information is lossed from the CD to copy in this format. So when you play on your computer, a file will produce the true CD-quality sound. And best of all, this format compresses music from the CD, file sizes smaller than a typical lossless Wav file from the CD. The files will not be as small as an MP3 file though. Mp3, WMA and WMA Pro are all known as lossy format documents. lossy formats work for the audience perception. They take the sounds of the CD, and pulling sounds from the CD that I do not think human ear can hear. Therefore, at bit rates higher than the sound almost as good as a CD. But there is still half the sounds outside the human range of hearing normal. A WAV file is the same as a WMA Lossless file, but that does not compress the music at all to save space. So a 3 minute song length with WAV file, you can be 25 MB in size, instead of 15 MB in size with a WMA Lossless file. A loss of MP3 or WMA / WMA Pro file / variable, can be 3 MB in size, in comparison, but just because they throw out the sounds. All files are equal loss in sound quality. WAV however, tends to work in a range Comprehensive software, compared with losses Wma. But lossless WMA, and WAV, work on the Microsoft Zune MP3 players, and on any PC with Windows Powered. Also lossy formats are always better than the files at a loss when editing and convert different audio formats because they contain all the digital information from the CD. (Aka, files are kings without loss of audio quality.)

The Pros and Cons of Annuities in Your Diversified Portfolio

“So what do you think of annuities?” This is a typical question that is normally heard about three or four times a year, but in the past two years, with the market volatility and the fear that goes with it, that question has cropped up more and more. The reason being is that fear sells. And when annuity salespeople are rampant in the market touting these products and promising that they offer “guarantees” and “higher rates of return,” people start to take notice because financial planning is so important.

Types of Annuities

There are various types of annuities, each with different benefits, depending upon where the assets are invested and when payments begin. A “fixed” annuity, for example, provides a specified rate of interest for a period of time, while a “variable” annuity offers greater opportunity for growth but also comes with higher risks. Other types include “indexed” annuities, “deferred” annuities, “single premium” annuities and “flexible premium” annuities. Keep in mind that the cost of these products often is directly proportional to their complexity – the more complex, the more money someone will pay for the product and, typically, as happens with complex products, the less a customer will understand what he or she is buying.

Annuities are expensive, have potential negative tax consequences, and are complex and confusing. People who own annuities often cannot answer general questions about them. Without getting into to all the details and nuances of the different types of annuities, the following are some of the pros and cons of owning annuities in your portfolio.

Pros to owning annuities:

- An immediate lifetime annuity contract can guarantee periodic payments for life (main risks are inflation and the credit-worthiness of the company)

- Provide an option – compared to CDs – for those who are risk-averse and don’t want to risk losing part of the savings (fixed annuities still have credit and inflation risk)

- Provide a steady source of income

- Allow investments to grow tax-deferred (qualified and non-qualified annuities)

- No restrictions on who can invest (anyone can purchase a nonqualified annuity)

- Can be customized to fit your needs

- The sum value of some annuities are guaranteed to be at par or greater than the value of the amount invested (variable annuities – this benefit usually comes at a very high cost)

- Are backed (in some cases) by state guarantee funds, so if the company cannot pay, investments may not be lost (vary by state)

Cons to owning annuities:

- They are very expensive! I haven’t found one client who wasn’t completely shocked when we pointed out the fact they were paying (in most cases) between 2.5% and3.5% per year for their product

- Offer (mediocre) insurance coverage (one of the biggest selling points)

- Investment options are restrictive to mutual fund subaccounts that are often very expensive on their own (variable annuities)

- A big selling point is the tax-deferred savings, yet I find other retirement plans (especially employer-sponsored 401(k) plans) a much more attractive, less costly, less complex, simpler means of funding for retirement

- Lack of liquidity – funds are often tied up for six to eight years and are subject to a sizeable “surrender charge” if withdrawn early

For retirees, an annuity offers an assurance of a stream of income for life or for a specified period of time. For those who fear the potential loss of their money due to poor investment choices, that “guarantee” can be attractive. Keep in mind that that while the annuity income can look big, a good portion of the annuity’s income is a return of principal. The problem with buying into this (and paying too much for that guarantee) is that there are numerous other options that are typically more flexible and suitable that should be explored. But in the end, if having an annuity will help someone sleep better at night and bring them peace of mind, then a diversified portfolio manager at FIM Group can help find low-cost/low-load products that do not, for example, charge surrender fees or have very low expense charges. There are a handful of good products on the market, and FIM Group can help provide the due diligence before buying.

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Article Source: Whyisfinancialplanningimportant.com