So if you can follow simple instructions, then learning from videos may also be the way for you. Back to the guitar analogy. he was not teaching me to become a guitarist but rather just to play a few songs, and this is, in essence what I realise I am striving for - to set up an automated business and not necessarily become a full time internet marketer (although the option is there if you have the inclination). After you get your loan modified, you'll want to get your life back in order. Mike...