AllPoint
Click Here
ApplicationsCalculatorsAbout UsRatesMembershipInsuranceFAQ'sHome
Site Search:       Sunday, October 29, 2006
Savings Accounts
Regular Share
RSVIP
Holiday Savings
HEWEY Shares
CU Succeed
Silver Share Certificates
ATM Card
Star Program
Seminars
Money Savvy Articles
Retirement Articles
Account Agreement Disclosure


Digital Video Puts You In Charge



For closet Clint Eastwoods and wanna-be Woody Allens, making real movies just became affordable. With digital video, you won't need to rob Altman to get in on the fun--if you already own a modern and high-horsepower Mac or PC.

Digital video, or DV, is a format that stores movies as ones and zeros on tape and hard disk. Although it takes a lot of those ones and zeroes (one minute of DV occupies about 200 megabytes on disk), digital data can be manipulated, copied endlessly, and converted to many other formats.

Once the movie is on your hard disk, you can put it through almost any imaginable manipulation. You can: Insert titles, controlling the color, font, size, and style as with any graphics program. Animate titles so they move at any speed you choose. Insert fades, wipes, and many other transitions, controlling the direction and time on screen. Correct the color, even convert an old family film to black-and-white or sepia tone. (Many DV cameras also will convert analog video into DV format.) Narrate a voice-over of your trip to the Grand Canyon ("That's the canyon. The big chasm on the left"). Add stirring music to your daughter's appearance in the spelling bee. Dub in sound effects--say a donkey braying--as she approximates the spelling of "approximate" as "A-P-R-O-X-A-M-O-T-E."

Best of all, you can spike scenes--even individual frames--that you never want to see. Do enough editing, and friends won't throw popcorn when you mention "home video." We guarantee, good editing will make you feel like a pro.

Even though many DV camcorders fit easily in your palm, digital carries twice the detail of normal television. Basic amateur digital video cameras start at about $500. Most connect via Firewire (also known as IEEE 1194), and you'll definitely need a powerful, new computer, either Macintosh or Windows (See the sidebar: The technical requirements). You'll also need a hefty hard disk, and you'll eventually want a DVD burner.

For help financing your major production, see a lender at your credit union.

Once you've shot the footage, you are just three steps away from a wrap: Capture to hard disk, edit (cuts, transitions, special effects, narration, and music), and export to another format.

At the export stage, you will appreciate DV's incredible flexibility:

Export to DV tape, then plug your camera into a TV and view at full digital quality. Dub to VHS tape. Export compressed files for posting on the Web. Make a video CD or DVD.

For this story, we tested Pinnacle Studio 8 ($99.99), for Windows, and iMovie 2, a program Apple has given away with Macintoshes for a couple of years. (We tried to test the new Imovie 3, but it would not operate on a Mac that should, according to Apple, have run it.)

Unfortunately, the Pinnacle software was frustrating to use. After one hour loading software, it hung and crashed until our technical expert, die-hard computer programmer Johan Kellum, finally gave up. (Watch a one-minute QuickTime movie of the man-vs.-machine struggle, below.)

Apple for your eye

We had more luck on the Macintosh side, although there were too many crashes for our taste. And while we're whining, what gives with companies that sell (or even give away) software without explaining how it works? I've worked with Macs for 20 years, yet iMovie 2 was worthless until I bought iMovie 2: The Missing Manual. The Missing Manual on iMovie 3 is due out shortly (see link at bottom).

Basic amateur digital video cameras start at about $500.

No matter what the platform, look for these features in digital video software:

"Scene detection" divides the incoming video. Each press of "record" on the camera creates a new clip. Incredibly handy. Keyboard shortcuts. Editing video sounds glamorous, but the process of trimming and checking clips is monstrously repetitious without shortcuts. Sound manipulation. The first video software emphasized video at the expense of audio, but a movie isn't finished until--dare we say--the diva sings? Pinnacle and iMovie both allow cutaways, a pro technique that allows you to slap different video over an existing sound track. Render while you work. Your work will be much faster if the software can create titles and transitions in the background while you edit in the foreground. Goodies: How many video effects, sound effects, transitions, and titles come with the package? (Hint: You may be able to download these for free or a small charge.) "Preview mode" allows you to work with low-resolution files on the computer. When you've finished editing, the software grabs the correct frames from the DV tape and makes a full-resolution file. Multiple undos. When you edit, DV software should not really change a clip, but rather the appearance. If you accidentally delete a scene you can restore the clip.

Some final cautions

First, we found that you can waste a lot of time monkeying with the computer instead of making movies. With enough trouble, a cool hobby can be transmogrified into a horror flick.

"Preview mode" allows you to work with low-resolution files on the computer.

Second, DV takes time. After making about 20 short home movies, I still need an hour to finish each minute of movie.

Third, this stuff is addictive. I still crow about a video I made of my now-14-year-old watching movies taken when he was one. I spliced between then and now like a regular Francis Ford Coppola.

The MINIMUM technical requirements

Pinnacle Studio 8, for Windows Intel Pentium or AMD Athlon 500 MHz or higher 128 MB RAM (256 MB RAM recommended) Windows 98SE, ME, 2000, XP DirectX compatible sound and graphics card Mouse CD-ROM drive 300 MB of disk space to install software 4 GB of disk space for every 20 minutes of video captured at best quality. Hard disk must be capable of sustained throughput of at least 4 MB/sec. All SCSI and most UDMA drives are fast enough.

iMovie 3, for Mac G3 or G4 Mac with 500 MHz processor, system 10.2 At least 10 GB empty disk space Firewire port

Taking in the sites

iMovie 3

iMovie3 book--due out shortly

Pinnacle Studio 8

We used iMovie2 to make a movie about using Pinnacle Studio 8. Want to see the results? (1MB QuickTime movie). Download a QuickTime movie viewer here.




Collaborative Divorce Softens Sting of Split

Courtesy Pay Abusers Pay the Price

Watch for Disclosure Signs at Checkout

Wealth-Building Strategies That Anyone Can Master

Financial Elderly Abuse: Do You Know the Signs?

Before You Stop Automated Payments

Budget for Your Pet's Life-Long Care

Make a Will to Have the Last Word

Take Time to Pick a Computer for College

Disaster-Proof Your Important Papers

Debit Card Debate: Check-Out Line Dilemma Reveals Real Differences

Who Pays for Hospice Care?

The Down-Payment Debate: Can You Afford No or Low Down Payments?

Grandparents Pitch in With Financial Help

Introducing the Roth 401(k)--A New Workplace Savings Opportunity

Future Grads: Consolidate Loans Before Summer

Credit/Debit Cards, Checking Accounts, Teach Teenagers to Handle Money

Pension Participants: Expand Retirement Savings for Future Security

Ten Resolutions to Trim Spending and Reduce Financial Stress

Preparation Softens Blow of Alternative Minimum Tax

A Long, Cold Winter? Simple Energy Projects Can Save You a Bundle

Health-Care Flex-Spending Accounts Get More Flexible

Protect Your Assets With a Trust Agreement

"Remarried, With Children" Brings Special Financial Challenges

Fast Fact: Advance Directive Q & A

Upping the Ante: Stakes Are High for Young Adults Playing Poker

Suddenly Solo--Life After Losing a Mate

What Bankruptcy Reform Means to You

Choose the Right Cell Phone for You

Online Banking Makes Money Management Simple and Safe

Desktop or Laptop--What's Right for You?

How to Keep Your Job When You Become Ill

Shalt Thou Buy? See If a DVR (Digital Video Recorder) Is Right for You

Back to School: Plan Your Budget

Savvy Shoppers Know "Minimum Advertised Price" Isn't Always the Bottom Line

Health Savings Accounts:
First Aid for Health-Care Bills?


Back to the 1970s? Inflation Outlook

Prenups Clarify "Yours, Mine, and Ours"

Design an IRA Strategy That's Right for You

Personal Property Appraisers Distinguish Between Trash and Treasure

Preventive Health Care: An Ounce of Prevention

Is Your TV Set to Go Digital?

Birth of a Consumer: How to Teach Your Preschooler About Money

Trusts: Securing the Financial Future for Special Needs Adults

Farmers and Consumers Connect Through Community Supported Agriculture

High Cost of Health Care Robbing Retirement

Going Solo With Health Insurance

Tax Time: Early Birds Catch a Breather

Tsunami Relief: Be an Informed Donor

Now's the Time to Max Out Flex Spending

We Love Our Debit Cards

Gift Cards Keep Giving--But Not Always to You

Type by Talking--The Scoop on Voice Recognition Software

Check 21 Speeds Checking, Sinks Your Float

Use Direct Deposit and Automatic Transfers to Simplify Finances

Making Financial Room for Baby

Teaching Young Children About Money

Staying Safe at the Cash Machine

Disaster-Proof Your Important Papers

Launch of New Home & Family Finance Radio Initiative

Tips for choosing benefits during open enrollment

Middle class families in financial bind

Disaster preparedness: Tips for keeping cash on hand

Preparation means peace of mind

Some habits save hundreds on energy bill

CUNA launches weekly consumer finance radio show

Weave money lessons into daily routine

September is national preparedness month

Online banking: Know the answers or get locked out

Who will manage your assets when you can't?

Use back-to-school shopping as teachable moment

Be proactive in curbing health care costs

Financial notebook provides road map, peace of mind

Tips for using plastic overseas

Sales tax holiday catches on

Consumers fork out $16 billion for extended warranties

Keep a lid on summer cooling costs

More than $60 billion just waiting to be claimed

Credit counseling--via phone or face-to-face--helps debtors

Majority of Gen X women in debt, lack investments

Keep a lid on summer energy costs

Government website offers free 'My Money' tool kit

Can't find that file? Try these simple alternatives

Using online bill-pay helps prevent ID theft

Good debt/bad debt 101

Tips for merging money with your mate

Consumer website calculates cost of payday loans

It's Financial Literacy Month: Can you pass the test?

Money and marriage: Talk to ease the tension

Five financial tips for college grads

Prepaid options critical, but costly, for unbanked consumers

Survey        Privacy Policy/Disclosures        Site Map         Contact Us       Home

© 2004 HEW Federal Credit Union. All rights reserved.
HEW Federal Credit Union is federally insured by the National Credit Union Administration.

Designed & Powered by Cambium Group, LLC