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Patrick McGuire is a writer, musician and human man. He lives nowhere in particular, creates music under the name Straight White Teeth, and has a great affinity for dogs and putting his hands in his pockets.

I love a site that not only goes all-in with their features but that shows you the view count of every article so you can really get a feel for what’s resonating and what people are listening to. The Word Is Bond does exactly that, with articles ranging as high up as over 500 views. They also do a round up of the Top 10 Submissions they receive each week, so as an up-and-coming artist you actually have a shot at getting your music heard, while as a fan you get a weekly list of 10 tracks you just have to check out.

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Famed for her 2014 opera Harriet Tubman: When I Crossed that Line to Freedom, Dr. Nkeiru Okoye’s music has been described as “emotionally charged and musically sublime.” Okoye also cites inspiration from a dizzying range of influences including Gilbert and Sullivan, Gershwin, Sondheim, Copland, gospel, jazz and yes, even Schoenberg. Born and raised in New York, the composer studied piano at the Manhattan School of Music Preparatory Division and later at the Oberlin Conservatory of Music where she completed degrees in Music Theory and Composition. Okoye later went onto complete her PhD at Rutgers University. Her varied and well-crafted music sits nicely in a diatonic framework, making it easily accessible and highly enjoyable for a range of audiences. With music as captivating and loud as her recent opera, I believe we’ll be hearing a great deal from Dr. Nkeiru Okoye.

The problem is, a bank doesn’t always see it that way. If they look at your returns and see huge write-offs (even if you made good money), they may see you as a less than ideal applicant. It boils down to banks looking at gross income for W4 earners, and net for 1099 earners — which automatically puts you at a disadvantage.