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Daily Archives: October 28, 2020

Loan Modifications Need to Fit the Customer

There are many problems with existing home loans; some of them are adjustable rate mortgages which have had their payments jump as the low payment period expired, many people across the country are un- or under-employed so that they can’t pay their Mortgage, and some people who couldn’t afford to buy homes in the first place were given questionable loans. The drop in home values has also led many home owners to walk away from their homes or just stop paying their mortgage payments because they owe far more on their home than it’s worth. An underwater mortgage makes homeowners unenthusiastic about struggling to make payments when it’s likely that they’ll not have equity in their home for a long time.

The result of this combination of situations is that many people just can’t pay their mortgage payments, some people have mortgages in default, and others have walked away from their homes, while a growing number have homes in foreclosure.

The government’s current mortgage modification program Making Home Affordable renegotiates a homeowner’s mortgage, usually dropping the interest rate and giving a home owner longer to pay the mortgage back, lengthening the terms of the mortgage. However, the problem with this strategy is that home owners with underwater mortgages are still left with less equity in their home than they owe; there is little incentive to stay in that home and keep paying that mortgage.

In addition to this problem, when a home is foreclosed on the bank is stuck with yet another vacant property that loses value and drags down the home values for the neighbourhood. Experts say that the best option to proceed with is one that minimizes the chance that the homeowner will walk away from the home but this will depend on the individual’s circumstances. For some home owners, all that is needed is a modification of the mortgage so that the timeframe is drawn out and the interest rate is reduced. Many home owners require the change from an ARM to a fixed-rate mortgage for stability as well.

When lenders are looking for ways to help home owners stay in their homes and keep paying their mortgage payments, they need to look into ways that they can make home owners feel that it is truly in their best interest to stay in the home. Since it can cost lenders a lot more to have home owners walk away from their homes, it is within the lenders best interest to come to a compromise with home owners in regards to how loans can be reworked.

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Using Tile to Spruce up Your Home

Tile can be a visually interesting way to spruce up bland parts of your home, whether you’re looking at making your home more appealing to sell or if you’ve bought a home that literally needs some sparkle. Types of tiles range from ceramic, stone, glass, to linoleum and peel & stick gel tiles. Not all tiles are appropriate for all kinds of treatments however.

Ceramic tiles can be used for countertops, floor, and walls in any room in your home. You can even use ceramic tiles on your patio to add a clean finished look to your outdoor room.

Stone tiles can be solid shapes cut from a variety of different stones such as marble, slate, sandstone, granite, or limestone. Stone tiles can also be made from small stones or pebbles glued to a mesh Backing. Depending on the style of tile and the type of stone, they can be used pretty much anywhere.

Glass tiles look beautiful on a wall, floor, or countertop. They can be used to cover an entire bathroom, shower included. Glass is also a great option for fountains and pools, especially when iridescent tiles are used.

Linoleum tiles are generally used on the floor; they are an eco-friendly product made from all natural materials like linseed oil and ground cork or wood flour and are completely bio-degradable. Linoleum tiles can also be used on the kick space under your counters or as a Backsplash in your kitchen or bathroom. Do not use linoleum on concrete floors where moisture seepage might be an issue.

Gel tiles are a new do-it-yourself decorative tile. While their uses are far less than traditional tiles, they can still be very effective for perking up many areas in your home. You may want to consider them for creating a colourful backsplash in your kitchen or bathroom, or a decorative border or mosaic in any of the rooms in your home. The nice thing about peel & stick gel tiles is that installation is as simple as cleaning your wall, pencilling in your lines to follow, peeling off the back of the tiles and placing them on the wall. These tiles are not designed for showers or countertops.

When you are using a tile such as ceramic, stone, or glass you will need to grout between the tiles to fill in the spaces between the tiles. Different looks can be achieved by using grout that blends in with the tiles or contrasts. Some common contrasts are dark tiles with a light coloured grout or white tiles with black or coloured grout. Be aware that light coloured or white grout can stain.

Tiles have been around as a decorative element since Persia in the mid 1200s BCE, and have been a popular decoration ever since. The ancient Romans even used tiles to spell out their version of “Beware of dog” in the threshold of their homes. For the modern homeowner, many tile projects can be completed by you. There may be classes available at your local home supply store to help you out if you lack in experience or you may want to bring in a professional if you think that your project is too ambitious.

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What Is Panoramic Camera

Panoramic camera, as the name suggests, is a wide range of surveillance cameras, it can be divided into single-lens fish-eye camera and multi-lens stitching camera according to different structures. Taken the angle of view between multiple lenses, the installation location and other factors into consideration, the general price of Multi-lens stitching camera is more expensive, rarely used in the project, so the fish-eye camera has become a representative of the panoramic camera.

Analysis of the Advantages and Disadvantages of Fish-eye Cameras:

Fish-eye cameras rely mainly on fish-eye lens to achieve a wide range of monitoring, the biggest feature is the formation of the image into a circle, to achieve 180 degree omni-directional coverage, in order to clear the overall situation. In order to realize 180 degree omni-directional monitoring, a surveillance camera needs at least two cameras to be mounted back-to-back. Unless there is a special adjustment of the angle of view, there is a blind spot at the bottom of the camera. The larger the focal length of the camera, When a moving object moves from the field of view of one camera to the field of view of another camera, it is difficult to form a complete image association, and it is likely to cause visual disturbances. This is the two main advantages of the fish-eye camera compared to the common camera.

Compared to the ordinary camera, since the fish-eye camera exits advantages, why it has not been eye-catchy in the market?

In fact, the application of fish-eye cameras have been in the panoramic monitoring, but it is hard to meet people’s expectations in capturing details. As the fish-eye lens is ultra-short focal length lens, although the field of view is large enough through the fish-eye lens formed by the screen, but the detail object in the picture will be very small; In addition, the circular viewing angle through the fish-eye lens does not meet the human eye viewing habits, and the quality of side area is badly distortion, missing a lot of details.

The development trend of fish-eye camera:

Until recent years, with the distortion correction technology matures and the use of EPTZ technology, the appearance of the fish-eye camera on the details began to meet people’s expectations, enhance the practicality of the screen before they gradually enter the public’s vision. The so-called distortion correction is to show normal display instead of distortion circular image as much as possible; with EPTZ function, you can zoom in and move the image to achieve the effect similar to the PTZ operation, which is easy to view some of the details.

In addition to distortion correction and EPTZ, are there any other ways to improve the usefulness of its picture? The answer is, of course, yes.

The first method is to improve the overall screen resolution. In the panoramic images, the more peripheral images, the same number of pixels carried by the broader monitoring range, the content required to show more, so the higher the resolution of the fish-eye camera, the more pixels Point to show the same scene with more details. with the EPTZ function more and more to improve the practicality of the screen. Currently on the market, the fish-eye camera resolution is mainly concentrated in the 3 million to 5 million, with 4K ultra-high-definition cameras into people’s field of vision, ultra-high definition fish-eye camera is inevitable.

But to improve the resolution is not just a simple upgrade Sensor and lens, ISP processing, coding, the network needs to be considered, and, the high-resolution fish eye camera has to be more strict than the ordinary fish eye camera in the requirements of corresponding structure and process.

The second method is the fish ball with the ball machine to achieve fish ball linkage. Fish-ball linkage is an upgraded version of gun-ball linkage, through the fish-eye camera to monitor the overall situation, once the suspicious target linkage ball machine to enlarge the target. Compared with the gun ball linkage, fish ball linkage of the global monitoring range is larger; compared to the fish-eye camera’s own EPTZ, the ball machine magnification effect is more clear.

Because of the seriously distorted image formed by the fish-eye camera, it is necessary to provide a more accurate linkage algorithm than the gun-ball linkage.

The value of monitoring should be landing on the practicality, poor practicality with fancy features will not be recognized by the user, so the two methods to improve the usefulness of the screen will be the key points of a new generation of fish-eye cameras.