Hulu.com - Free network TV/films available online
NFCC.org - Free or low-cost credit counseling resources

Google has been in a clash of the titans with Viacom because the latter's copyrighted content has been appearing on the Google-owned YouTube. Viacom -- which owns HBO, MTV, Comedy Central and others -- is seeking more than $1 billion in penalties from Google.

This move is in contrast to what Hulu.com is doing. Hulu sought the explicit approval from copyright holders and features on-demand network and feature film programming for free.

Viacom also got a judge to agree to give them personal information on all YouTube users who accessed their content. Clark thinks they are the Kings of Mean for this move. What do they hope to do by harassing individual consumers? Just be aware that if you get an oddball legal notice from Viacom, it may stem from this.

The whole episode is very reminiscent of the online piracy debacle in the music world. The music industry dropped the ball on that one, and the TV/film world is trying to learn from its mistakes.

As Clark recently explained, workers are normally entitled to 26 weeks of unemployment benefits. But a new federal law now extends that coverage through 39 weeks. If you've exhausted your 26 weeks and still haven't found work, contact your state's Department of Labor to apply for the extension. If you're already in the midst of your original 26-week benefits, you'll likely just be extended through 39 weeks.

Meanwhile, The Career Journal reports a number of people are going into altruistic jobs. Applications for the Peace Corps are up just under 20%. Teach for America applications are up 36%. Even the Jesuit Volunteer Corps is experiencing a surge in applicants.

People are using today's sluggish economy as an opportunity to take time out from their career and try something different. If you've hit a career roadblock, can you try moving forward in a new way?

Oprah and Clark are on the same page about something again! First, they liked the same ice cream. Now, they've both gone crazy for a very simple technology -- little portable video cameras that are idiot-proof.

Most video cameras just gather dust in homes across America. They have too many attachments; they're too hard to use; and they're not small enough to be available during spontaneous moments. They're only good for planned events like graduations, weddings and more.

As a self-professed techno-idiot, Clark loves the Flip Ultra -- priced around $90. There's a built-in USB connector that pops out of the side and lets you automatically upload video to YouTube, PhotoBucket or anywhere else. Similar cameras from Creative Video and RCA are available in a comparable price range.

So if you've been missing touching moments on vacations, or with your children, this could be a perfect solution. You can instantly send video across the world from an Internet cafe.

If you've been in a house for 5 years or longer, chances are you may be grossly underinsured for homeowner's coverage. In fact, you'll only discover it after a catastrophic loss when it's too late.

So you must read the coverage limits when your policy comes up for renewal every year. Let your insurer know if there's no way you could rebuild your house for the specified amount. Note the name of the rep you speak to and the date/time of the call. That way if your insurer refuses to raise your limits and a catastrophic loss happens, you've already begun building a case against them.

Clark's insurer would not raise his limits, so he triggered a clause in his contract and got a 3rd party appraiser to look at his home. The insurer accepted the appraisal and then complied by raising his coverage.

The chances of a catastrophic loss are minimal, but why take the chance of having your wallet disrupted just as terribly as your life in the case of the unthinkable?

Clark recently bought a foreclosure in a mountain community. In this case, the insurer sent an appraiser out to him and told Clark he needed more insurance because of the expense of rebuilding on a mountain.

The penny-pincher always takes big deductibles so he doesn't get hurt much. Don't have the $500 deductible of yesteryear. Today, insurance can only be used in the case of a catastrophic loss. It's a "use it and lose it" proposition. Clark saved 31% on his last renewal by having a higher deductible.

Meanwhile, Fireman's Fund has a rider that allows you to rebuild your house as an energy-efficient structure in the event of a catastrophic loss. The San Francisco Chronicle reports that it only costs the average homeowner about $70 more for this policy. There are also other insurers doing these "green" riders. But this should not be treated as incentive to burn down your house just to get it rebuilt as an energy-efficient model!