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  • drdianehamilton 5:01 pm on September 16, 2010 Permalink | Reply
    Tags: , Diane Musho Hamilton, , drdianehamilton, , Google Instant, , , , , , Youtube Instant   

    What is YouTube Instant? 

    Have you checked out YouTube Instant yet?  If you go to http://ytinstant.com/ and type in what you are looking for, it instantly pulls up a video based on your search words.  I put in drdianehamilton since that is what I use for most of my sites.  It worked really fast.  If I just put in Diane Hamilton, I got Diane Musho Hamilton’s information.  So it is important to know what you really want to search for before typing or you might get something else.

    Helium.com described what YouTube Instant is all about.  The following is from Philip Lop’s recent article found by clicking here.

    It’s a free utility that strips down the usual YouTube interface to simply provide a search bar, a single, central video display and five smaller displays below it to present the top five searches based on your input. As you enter text in the search bar, Youtube Instant identifies a best match and, after a short pause to confirm that you are happy with the match, plays the video in the central display. Beneath this, users are presented with a smaller version of the file that is being played with a simple play/pause function and then four other strong matches that you can opt to select and play in the central panel instead.

    Youtube Instant has very little of the functionality offered by YouTube. Users can see neither the name of the file nor the user name of the individual that uploaded it. There is no display showing the progress of playback and, as such, you can’t skip backwards or forwards. You are unable to see the running time of the clip, nor are you presented with any information about whether the file is presented in high definition or not. There are no account-based features either, so you can’t, for example, log in to your existing You Tube account and add a file to your favourites.

    What you are presented with, however, is a streamlined, neatly presented microcosm of the You Tube universe, which provides a simple and effective means of finding and playing a specific file. Like Google Instant, as soon as you start typing into the search bar, the utility looks for matches, and presents a file name to the right of the bar (in a distinctive and quite stylish script), which changes as you continue to type, predicting the best fit based on your input. It is virtually ‘instant’, as the name would suggest, and greatly reduces the time taken to find a file compared to the full version of YouTube.

    Aside from the obvious achievement of the developer, and the gimmicky appeal of the product, it’s difficult to predict the longevity of Youtube Instant as it stands. Google Instant takes an existing product and enhances the user experience without losing any of the other functionality, whereas Youtube Instant offers one new functional away from the main site. As such, regular users will find this of limited appeal, particularly when they find a file that they like and then need to revert to the normal YouTube site to add it to a play list. The greater likelihood is that YouTube will eventually incorporate something similar into the parent site, which would effectively make Aboukhadijeh’s achievement redundant.

     
  • drdianehamilton 1:26 pm on August 13, 2010 Permalink | Reply
    Tags: BankRate, , , , creditcards, Dr. Diane Hamilton Interview, drdianehamilton, goodstudentcreditcard, , mytwodollars, , , , pay for college, student credit cards, ,   

    Are You a Student In Need of a Loan? 

    There are plenty of sites offering loans for students.   I found one recently that is aimed at students who had good credit.  It is appropriately named goodstudentcreditcard.com.  This site offers some links to credit card companies and schools offering loans.    If you are looking for additional information about how to pay for college, I have written an article you might want to check out by clicking here.

    Before students automatically just apply for loans, they need to be educated about credit and be aware of issues with over-extending themselves with credit.  I wrote about this in my article for mytwodollars.

    • 76% of undergraduate students have credit cards, while carrying a balance of over $2000, according to Nellie Mae. 28% percent of students roll over their debt each month.
    • College graduates are finding that they are over $20,000 in debt, according to Creditcards.com.
    • Charles Schwab reported in a 2007 survey that 45% of teens have credit cards but only 26% know how to understand how their fees and interest payments.

    Don’t assume that just because a credit card is being offered to students that it is going to be in the student’s best interest.  New York Times featured a story about how colleges profit from marketing credit cards to their students.  Michigan State University came under fire as it was noted that they allowed Bank of America to offer advertising items to their students to sign up for banking and credit services.  In fact, according that the New York Times (2008) “Bank America’s relationship with the university extends well beyond marketing at sports events.  The bank has $8.4 million, seven-year contract with Michigan State giving it access to the students’ names and addresses and use of the university’s logo.  The more students who take the banks’ credit cards, the more money the university gets.  Under certain circumstances, Michigan State even stands to receive more money if students carry a balance on these cards.”

    I do recommend that people have a few credit cards to establish that credit.  However, they should only be used sparingly and balances paid off monthly. 

    Why get them or use them at all?  You need to establish proof that you are able to pay back money you have borrowed should you ever need to buy a major purchase such as a house or a car.  Unless you were born with Paris Hilton’s trust fund, I highly doubt you will be able to come up with $200,000 in cash for a house. 

    When you do need to borrow a large sum of money like that, the bank lending it to you will want to see that you have a strong credit history.  That is why it was important for you to have paid 3 or 4 different credit cards on a timely basis.

    When you get a credit card, be sure you know the interest rate you are paying.  Sites like http://www.Bankrate.com show you different types of cards that are available and the rates they charge.  If you have a high rate already on a card you have, you can transfer your balance to another credit card with a lower rate.  This may be a good idea should you find a card with better rates and fees.  Just be sure that once you transfer your money, that you do not close out your old credit card.  Just leave it open and don’t ever charge on it any more.  It actually hurts your credit score to close out old credit card accounts.

    To hear my recent radio interview where I discussed personal finance issues for the young adult, click here.  For more information about personal finance for the young adult, click here.

     
  • drdianehamilton 4:18 pm on July 31, 2010 Permalink | Reply
    Tags: drdianehamilton, , ,   

    Twitter Hits 20 Billion Tweets 

    There have now been more than 20 billion tweets since Twitter’s inception, according to tracking service GigaTweet. The milestone comes just two months after the service hit 15 billion tweets and about five months since it reached 10 billion, indicating that activity levels on the microblogging service continue to accelerate.

    Check out the original article at Mashable.com . . . Amazing numbers! I used to only think of Twitter as a place to follow celebrities or where people would tell you they were heading to gym. I have to admit I got onto the Twitter bandwagon a little late. However, I think it is amazing how much you can learn through Twitter. Look for me there @ drdianehamilton . . .

     
  • drdianehamilton 2:01 pm on June 30, 2010 Permalink | Reply
    Tags: , , , , drdianehamilton, , Employment Opportunity, , , , , , , , scam, Social, , , work at home scam   

    Recognize And Avoid “Work At Home” Scams

    by Diane Hamilton, Ph.D
    money” that you never thought was possible. Not only are they targeting the desperate, but the sick, the stay-at-home parents, the low-income and the uneducated.Evaluating Job Listings
    There are things you should do if you suspect a scam. Find out more about the company and job. What kind of contact information do they supply? Use search engines to research the company’s history. Make sure you know what the job details are including how much and how often you’ll be paid. Check out scam lists. If they ask for money to work for them, beware. You can ask for references but even these can be questionable. (Find out how to spot internet fraud and protect your hard-earned money, see Avoiding Online Investment Scams.)

    There are some things you should never do. 

    • Deposit money and pay it back to them
    • Send merchandise or checks out in the mail
    • Spam others with email
    • Call a 900 number for information – you will end up paying for that call which is how that scammer makes the money.
    • Assemble crafts or other items – they will probably tell you that you have not met specifications and end up not paying you.
    • Stuffing Envelopes – this scam that can be illegal.

    Researching and Reporting Issues
    To find out where you can go to research and report problems, check out the following:

    • Better Business Bureau – enter the company name into the organization’s site to see previous complaints. (The BBB is one resource to help you connect with the best product/service providers in your area, read The Better Business Bureau’s Tool Belt For Saving Cash.)
    • Federal Trade Commission – you can go here to find out if a company has had illegal pyramid schemes.
    • Scam.com - check out this company’s bulletin board to see home scams and ask questions about companies you suspect.
    • Google - do research on the companies’ background to see what others have to say.

    Other Online Career Scams
    In your search for the ultimate work at home job, you may have placed your resume on the internet. This may leave you open for another problem. Consulting and recruiting scams are on the rise. A career consultant may contact you saying they found your resume online. Chances are this person may try to get you to pay for updating your resume or other job-related help. A recruiter may call to send you on a job interview. Later, you may find that there is not a job opening, and the company just wanted to sell you services.  There are many ways for others to take advantage of you during your employment search. Be careful regarding jobs advertised that don’t actually exist. If you get an email from someone who is very impressed with your qualifications, be careful of phishing scams, and can result in distribution of your information to other companies. (Looking to land your dream job? Skip the entry-level position by avoiding these common errors, check out Top Job-Search Mistakes For Finance Grads.)

    Conclusion
    Unfortunately, with all of the unemployed out there, there is always a threat of an increase in the number of unemployment scams. Keep your guard up. Go to the above mentioned sites and check everything out. Do not pay anyone up front, and if it sounds too good to be true, it probably is. (To bamboozle someone out of their money is an age-old ruse. Learn about some of the gimmicks modern-day swindlers use and avoid becoming a statistic in Online Investment Scams Tutorial.)

    by Diane Hamilton, Ph.D

    Diane Hamilton’s formal education includes a Bachelor of Science, a Master of Arts and a Doctorate degree in Business Management. She has an Arizona real estate license as well as certifications in the areas of medical representative, Myers-Briggs and emotional intelligence. With more than 25 years of business and management-related experience, her background includes working in many industries, including computers, software, pharmaceuticals, corporate training, mortgage/lending and real estate. She currently teaches business-related subjects for six online universities and is in the process of writing a book on personal finance for young adults. She can be reached through http://www.drdianehamilton.com.

    Filed Under: Personal Finance

    I recently completed my book “How To Reinvent Your Career” where I discuss how you must be very careful not to fall for some of the scams out there. People are very anxious to find employment and sometimes they see things as job opportunities when actually they are scams praying on them at their lowest points. Please check out this article I wrote for Investopedia about these scams. Of special interest to me since I wrote the book, is a newer job that has been developed due to the social networking opportunities out there. If you have not looked into working in social media, it may be an interesting option. I liked a tutorial put together by Kate Buck at letsgetsocial.com . . . At last look, it was under $100 and gave step by step instructions about how to get into a home-based (legit) business that you run on your own. The job would include managing companies’ social media needs. I have no affiliation with Kate but I think she has a good product. It’s worth checking out.

     
    • Toni Rothpletz 8:50 pm on June 30, 2010 Permalink | Reply

      Very informative posting. Thanks for sharing!

    • David Vance 9:06 am on October 22, 2010 Permalink | Reply

      Good material and much needed. As an extension of it I suggest folks Google ‘life experience degrees suck’ and ‘Avoid Doctorate Fraud.’ Maybe a little side issue, but it turns up related material. Especially on Youtube.

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