ModBlog

by Tywak

Loan Modification Blogs: Untold Stories of the Victims of Foreclosure Problem

[Below is an excerpt from a live loan modification teleconference]

Ryan: Okay, Doug asks can he ask for a loan mod on investment property or is it better to say that you live there? How do you do it?

Mike: Most of the lenders don’t ask you to lie. Most of them just take your application and honestly even when I work with lenders that say specifically that this loan doesn’t qualify because it’s investment property, they’ll still take my application and process it normally and I get loan modifications. It just baffles me.

Ryan: But are they not as good? I mean, if all things being equal –

Mike: They don’t qualify, Ryan, to make as much money on the deal because they don’t get all the incentives from the government.

Ryan: So the bank basically can’t get paid as much for modifying an investment loan as a regular loan. So it’s something to consider. And maybe Doug originally purchased this property as a home.

Mike: That’s what a lot of investors, like me, did. You lived in the home for a few years and then you moved on and you were able to keep it and retain it as rental property so if that’s the case, you should just proceed with the loan modification request even if one of the reps tells you that it doesn’t qualify because it’s investment property. Still submit it and I think you’ll be surprised, it gets processed normally. You will, of course, have to divulge the rental income that you get.

Ryan: Alright. And Denise asks when you have one primary and two rental properties do you start with the primary? If you’re upside down on one versus another, is it best to start with the one with equity or the one that is upside down? Should I start with my first NEGAM at a million fifty – oh, that’s ugly – or with my second at 7.5 for 0,000. Let’s assume this is her primary residence she’s talking about. She lives in a house cost .3 million. And should she start with her first mortgage, her second mortgage, or one of her rental properties with equity or one without?

“I Can Help You Save Your Home!”

FREE Loan Modification Quickstart CD
60minuteloanmodification.com

by Gene Hunt

Question by Acergee TheMaxMaster: Do You Need Any Kind Of UMD Game to play a Downloaded Game Like GTA Vice City Stories?
Do You Need Any Kind Of UMD Game to play a Downloaded Game Like GTA Vice City Stories?

Best answer:

Answer by Kratos
No, you download the game to a memory card in your psp

Know better? Leave your own answer in the comments!

by Kenneth England

How to play MOD files and convert MOD TOD Video files to AVI WMV MPEG MP4 FLV VOB MOV MKV MP3

This is an article about what’s MOD, how to play MOD files and convert MOD TOD Video files to AVI WMV MPEG MP4 FLV VOB MOV MKV MP3.

Part 1. JVC camcorder, Cannon FS100 camera and other similar cameras record their movies as .MOD files. A question thus arises, what’s MOD format, how to play MOD files on Computer?

.MOD files are actually MPEG-2 files with AC3 audio, similar to a VOB file on a DVD or the M2T files used on Sony hard drive camcorders,  this video file format is used on many digital camcorders, such as the JVC Everio, the Canon FS100 and the Panasonic D-Snap SD-card camcorders. For playback, I liked the VLC player the best. An alternative player is MPlayer (but it played my movies rather slow).

Cuz MOD Video files are not supported by windows media player, windows movie maker and iPod, iPhone, PSP, Zune, Creative Zen, Blackberry, etc portable MP3 MP4 Players, Cell Phone, so if you want to import MOD files from your camcorders to edit on windows movie maker, or play on iPod, even burn to DVD Disc? You may need to convert MOD Video files fist, here is a tutorial that will outline one method of convert Canon Panasonic JVC Everio MOD TOD files to AVI WMV MPEG MP4 FLV VOB MOV MKV MP3, etc common video formats.

Part 2. How to Convert MOD Video files to AVI WMV MPEG MP4 FLV VOB MOV MKV MP3

The tool we need is a MOD Video Converter, you can free download it here to have a try

http://www.flash-video-soft.com/hd-converter/

Step 1. First copy the .MOD file from your video camera to your hard drive. then install and run Daniusoft MOD Converter, Click the “Add Files” button to browse your computer hard disc and load the MOD/TOD video files you want to convert to the software.

Step 2. Output Settings
After you import MOD TOD video files, you are allowed to select an output format for each video file and specify a directory on your computer to save the output files, If you want to convert mod/TOD video for portable device and don’t know which formats your device supports, you can just select the format according to the device name.

In the output settings area you can click “Settings” button to customize the output parameters like video resolution, frame rate, bit rate, encoder, etc, if you want to make things simple, the default setting also works well.

Step 3. Click “Start” button on right bottom of the main interface, you are allowed to start conversion.

Part 3. How to crop/ trim/ effect the MOD TOD video files to improve the output Video quality(Advanced Function Optional)

After importing video files, please click “Edit” button to access to the Video Edit panel.

Crop – adjust video size, Cut off the black edge of your video to let you enjoy your movie in full screen by click the ‘Crop’ button.
You are allowed to finish cropping by the following three ways:

Dragging cropping frame – Move your mouse cursor onto one of the eight small adjustment boxes on the cropping frame (the dashed line) and drag the crop frame to crop the DVD file such as cutting off top and bottom black bar. The cropped result will be shown on the Output Preview at the same time.

Selecting aspect ratio – You are allowed to select an output aspect ratio from the Zoom drop-down list. There are six choices available: Keep original, Full screen, 16:9, 4:3, Letter box and Pan & Scan.

Setting the values – Type the value directly or set the value in “Left”, “Right” and “Cropped area size” area to set the position of the cropping frame.

Trim – Clip video segment, trim any segment of your MOD Video clips to convert.
Similarly, it also offer 3 ways to realize trim function

Dragging the slider

Controlling “Mark in” and “Mark out” button

Setting start and end time

Video Effect – Switch to “Effect” tab and set the video effects as you want: brightness, contrast, saturation and Deinterlacing,etc.You can also choose the effect such as Emboss, Gray,negative,old film,or just no effect, which depending on your choice. All the progress you can preview clearly.

Design watermark – If you want to add some personal information either in text or image form as watermark to decorate your video, you can realize it by click “Watermark”.

After you convert MOD/TOD Video files with Daniusoft MOD Converter, you can import MOD Movie from your camcorders to Windows Movie Maker, iPod, Zune, etc without problem.

Bill Owen over at MNPC Tech sent me a bunch of great items for a new build I am doing. Here is a look at those parts. www.mnpctech.com www.youtube.com

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