A little help with associations

I know this is an easy question for a software developer but I'm new
to this so I'd really appreciate a little help in designing
associations. The basic models I have created are listed below but I'm
having a little trouble in linking the location (addresses)
information to where it is needed in each of the other models. This is
illustrated in two places:

Linking events to a location

My basic idea (from reading the various web posts - thanks) is that
rather than using has_and_belongs_to_many I need to create another
model called venues which links a location to an event, however all of
the online examples seem to have a many-many relationship whereas I
want to create a linking model where a location can have many venues
(think the screens in a cinema) but an event can have only one venue.
How to I write this?

Contact details

I then want to store two additional sets of contact details for each
event, the primary contact (contact details public) and the event
owner (private for admin use). Again, do I need to create some form of
linking model (to store the type of contact) or can I just use habtm?

Event_lists
- Have a default venue (which has a location)
- Have events (each has a location)
- Has an owner (has an address - a location)
- Has a primary contact (has an address - a location)

Events
- Have a venue (which has a location)
- Have a primary contact (a person who has a location for this event)
- Have an owner (a person who has a location)

Location
- Has an address
- Has a latitude and longitude

People
- Have an address (which is a link to the location table)

This is how I'd do it.... yachtman

Table locations { has_many :venues, has_many :contacts }
- id
- name
- address
- latitude
- longitude

Table contacts { belongs_to :location, has_many :contact_types }
- id
- name
- contact_type_id
- location_id

Table contact_types { belongs_to :contact }
- id
- type (owner or contact)

Table venues { belongs_to :location }
- id
- name
- location_id

Table events { belongs_to :venue }
- id
- name
- venue_id
- primary_contact_id
- owner_id