Kidd

My plan is to make videos (skydivingmovies.com) and some for personal use at the DZ. Will I need editing software for adding music and editing images, special effects etc and then something like NERO as well for menus? I don't want high end software but quality for the finished product is a must. Actually, I imagine that's what everyone wants. Since I am new to any video editing of any kind but fairly computer literate I'm concerned about buying an incorrect software package or one that falls short of my needs. I don't have Windows XP, so the free software is out.

Does anyone use Nero 7 Ultra Edition or Easy Media Creator 8 software? I read the other posts on software but didn't see these two.

Hey MX757, What do you need help with?

Home loans are priced (interest rate) based on risk factor of the borrower and the property. When a certain level of risk is reached the loan is considered sub-prime. The most common risk factor that determines sub-prime is the borrowers credit and credit score. Or lack of. Other risk factors are: Type of employment (if any), investment properties, assets, amount of down payment and income to debt ratios to name a few. Pretty much all sub-prime loans or "non-prime loans" have higher rates and penalties charged to the borrower if they pay it off early or refinance within a 2 or 3 year period. That can be several thousand dollars. These loans in my opinion can set a borrower up for disaster and as previously mentioned "do have there place". Most of these loans have teaser rates at the beginning and can double at the end of the 2 or 3 year period. Sometimes 5 years. The best thing to do is find out why the borrower needs a non-prime loan and help them fix the issues so they can get a conforming loan and clean up the credit issues. Most loan officers don't want to take that time plus they can make much more money on these loans over a standard "prime" loan. Last summer I worked with a fellow Skydiver at our DZ and we worked the loan guidelines for a few months to get the better loan program. We even used "Stated Income" since he was paid cash for his working at the DZ. A little patience went a long ways and saved alot of money. Now he won't have to worry about rates changing and not being able to afford the payment in 2 years. In this case it would be interesting to find out why the loan officer is wanting a sub-prime loan and attempt fixing the problem first. (Granted this may have been done already). However, it's fairly standard for some lenders to rush things along before the borrower catches on. Most states have a 3-day right of rescission to give a borrower time to change their mind after signing.

This is a situation where she is about to get screwed. Which also means you will too. Anytime a borrower isn't sure about the financing they are getting they need to run. I know mortgage lending is very confusing to the public and her situation doesn't help matters. It appears as if she is setup for a sub-prime loan with a pre-payment penalty. That interest rate is very high. The loan officer is most likely taking her for a ride and will probably make several points in rebate in the proceess. Loan officers can get paid based on the rate she is given on a loan. Most states have very strict laws about predatory lending, some do not. Usually when people say they shopped around, they might have called 2 or 3 lenders. The difficult piece is that slimy loan officers know how to talk around that and borrowers get confused and then screwed. It does not matter if she is talking with a major bank or a small mortgage broker yet alone someone on the internet. Never use someone that isn't recommended. I'll be happy to talk with you if you choose. 1.800.778.6605 ask for Jerry. I've been a Mortgae Broker and Banker for over 8 years and nothing makes me madder than loan officer taking advantage of someone.

Orignas- Tigra and Deuce have good advice here. I'm a Mortgage Banker and handle loans in all 50-states and might be able to help a little. We always recommend talking with a realestate attorney to keep yourself protected and to guide you through the legal issues involved. Shoot me an email if you'd like more information, I'll send you my phone number.

Eventhough the weather up here is less than desirable. I should be able to jump before 60-days. Uss Nevada 1987 - 1989, TRF untill 12/92.

Thank you Nate and Firstime. I agree with you on the part of jumping with a coach after periods of absence at the DZ. I was Stationed on the USS Von Steuben SSBN 632 and the USS Nevada SSBN 733.

I have an A License and it's been 40 days since my last jump. What are the requirements to get current?