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http://live.pirillo.com/ -Justin Kan of JustinTV live at Gnomedex, 2007.

Justin Kan, better known as Justin Tv, founded a network of channels providing a platform for live video streaming online. The original Justin.tv channel was a pilot project that evolved into the Justin.tv network. Wearing a webcam attached to a cap, Kan’s camera began streaming continuous live video and audio at midnight March 19, 2007. Kan claimed he would wear the camera “24 hours a day, seven days a week.”

On April 18, 2007, Kan took a one-day vacation, and the capcam was worn by iJustine as she explored San Francisco. On May 29, 2007, Justin.tv expanded to the East Coast with a second 24/7 feed hosted by iJustine in Pittsburgh.

In the summer of 2007, Justin.tv became a springboard for more than 50 different channels. Beginning July 21, 2007, channels were listed by popularity, starting with the most popular on the left.

After describing how he got his start, Justin answered a few questions from the audience:

Q: Can you show what’s in the bag?

A: A lightweight Sony VAIO which lasts for 7 hours with extended battery using EVDO Rev. A.

Q: Will you be policing your content?

A: That is a concern, policing content on the site. If someone streamed HBO that would be horrible, as would adult-oriented content. They want to make it easy for the community to bring those issues to the attention of moderators for the site.

Q: When do more beta keys come out?

A: Arbitrarily as they decide to.

Q: What’s it like becoming an instant celebrity?

A: It was weird. He is an F-List celebrity in San Francisco. For a couple of weeks he was stopped on the street and asked for autographs. He didn’t want to be super famous, and after two months it got routine answering all the same questions from different people.

Justin then auctioned off the white space on his hat, and it sold for $750.

Q: How do you deal with copyright info?

A: He is an employee of Justin.tv and he has to make sure not to watch TV into the camera, or not to have background music come through. It isn’t protected under the DMCA, so you do need to be careful about that.

Q: What is the funniest thing that happened on camera?

A: It’s mostly funny for other people, like when people saw him doing the Naked Cowboy act.

Q: How do you get around the limits of people like Sprint with their limitations on video?

A: Sprint doesn’t enforce it, but they know that it is an issue. The hope is that these limits get removed by the mobile carriers, since the belief is that they want customers to be able to use their connectivity in place of what they have now.

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I know there are companies that provide home purchase loans to people with bad credit history. But, is it in the borrower’s best interest to get their mortgage from a bad credit lender?

Raj Singh

Not necessarily. There are lenders that work with bad credit customers and do an outstanding job with rates and fees. Of course there are always variables however most specialize with lower FICO scores than a paper lenders. Borrower’s do need to be careful when shopping for the best lender and must compare APR with each lender to get an “apple to apple” comparison. Hope this helps.

Nick Roy

I would wait awhile before purchasing a home. Pay off your debt, then try using a guarantor, or a co-signer on your mortgage application. Sub prime lenders might be enticing for people with bad credit, but don’t do it.

Take it from someone who currently has bad credit. I have collection agencies attempting to contact me, but I just ignore them. I am currently tackling the smaller debts first, and working towards my bigger ones. The worst thing that you can do is contact the creditor because they will want their payment at that point. Continue to ignore them and pay down your debt on your schedule. My goal is to be debt free in two years. After that, then I’ll work on buying a home.

Robert Fornal

The advice that you have so far is pretty sound … I would not ignore collection agencies, but instead be sure to pay what you can manage. As for lending agencies … contact your Better Business Bureau before working with anyone. Some are excellent while some are not.

Kirill Gubernov

Many states regulate mortgages – and you have to understand what you are signing up for. I had great experience with “discount” mortgage brokers and I have great credit. But I do understand every number in the paperwork.

Sheilah Etheridge

Hi Chris, No, you really don’t want to go that route. The interest rates are too high, often they tie you into a balloon payment you cannot afford and you end up losing the home. Flex rates cause the same issues. Realtors want to sell a house and will often times sing the praises of these lenders. They want the sale, they don’t care if you end up homeless or further in debt. Clean up your credit and then worry about buying a home.

Melissa Figert-Rancour

Absolutely not! Some of these lenders will charge unethical fees and interest rates up to 50%. It is always best to go through ethical/good credit lenders. There are some good ones out there that will help a person with not so great credit find a way to buy. The government also has some financing options available.

I’ve seen too many people lose it all because they went with the company that would give them credit. The fine print in some of these loan docs can be very eye opening and can be very misleading. Some purposely include double to triple talk to confuse people.

• Justin Kan Live at Gnomedex