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171.98MDow Volume:
Avg Vol: 111.57M
Unchanged
150
Decliners
1105
Advancers
5358
Price Chg %Chg 1 Day
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/quotes/zigman/627449/realtime 16,655 +369 2.27%
Nasdaq
/quotes/zigman/12633936/realtime 4,813 +115 2.45%
S&P 500
/quotes/zigman/3870025/realtime 1,988 +47 2.43%
GlobalDow
/quotes/zigman/629063/realtime 2,361 +50 2.14%
Gold
/quotes/zigman/662444/delayed 1,125 +3 0.23%
Oil
/quotes/zigman/2331095/delayed 42.50 -0.06 0.14%
FTSE 100
/quotes/zigman/3173262/delayed 6,192 +213 3.56%
DAX
/quotes/zigman/2380246/delayed 10,316 +318 3.18%
CAC 40
/quotes/zigman/3173214/delayed 4,658 +157 3.49%
FTSE MIB
/quotes/zigman/1482176/delayed 22,201 +727 3.39%
IBEX 35
/quotes/zigman/2759620/delayed 10,290 +306 3.06%
Stoxx 600
/quotes/zigman/2380150/delayed 362 +12 3.46%
Asia Dow
/quotes/zigman/6959860/realtime 2,753 +52 1.92%
Nikkei 225
/quotes/zigman/5986735/delayed 18,574 +198 1.08%
Hang Seng
/quotes/zigman/2622475/delayed 21,839 +758 3.60%
Shanghai
/quotes/zigman/1859015/delayed 3,084 +156 5.34%
Sensex
/quotes/zigman/1652085/delayed 26,231 +517 2.01%
Singapore
/quotes/zigman/1709939/delayed 2,945 +72 2.52%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 0.00 0.01%
Yen
/quotes/zigman/16008150/realtime/sampled 121.06 +0.03 0.03%
Pound
/quotes/zigman/16008140/realtime/sampled 1.54 +0.00 0.05%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.72 +0.00 0.15%
DXY Index
/quotes/zigman/1652083/delayed 95.77 0.00 0.00%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.28 +0.01 0.02%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.19 +0.01 0.40%
German 10y
/quotes/zigman/15866409/realtime 0.75 +0.04 5.49%
Italy 10yr
/quotes/zigman/15866497/realtime 1.93 -0.05 2.73%
Spain 10yr
/quotes/zigman/15866444/realtime 2.06 -0.03 1.54%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.87 +0.02 1.11%
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/quotes/zigman/15866525/realtime 0.39 +0.02 4.00%
Crude Oil
/quotes/zigman/2331095/delayed 43 0 0.14%
Gold
/quotes/zigman/662444/delayed 1,125 +3 0.23%
Corn
/quotes/zigman/7599553/delayed 375 +1 0.33%
DJIA F
/quotes/zigman/38649152/delayed 16,627 -23 0.14%
S&P F
/quotes/zigman/30356461/delayed 1,986 -3 0.15%
Silver
/quotes/zigman/3134148/delayed 14 +0 0.40%

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Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 89.73 2.54 2.91%
AAPL /quotes/zigman/68270/composite 112.92 3.23 2.94%
GOOG /quotes/zigman/30194416/composite 637.61 8.99 1.43%
BAC /quotes/zigman/190927/composite 16.44 0.38 2.37%
C /quotes/zigman/5065548/composite 53.44 1.16 2.22%
F /quotes/zigman/264304/composite 13.56 0.35 2.65%
T /quotes/zigman/398198/composite 33.44 0.75 2.29%
BP /quotes/zigman/247026/composite 33.03 1.93 6.21%
GE /quotes/zigman/227468/composite 25.01 1.00 4.16%
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Avg. APR Last Week 6 Months
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SmartMoney Blogs

Pay Dirt
A daily look at what we buy, how we spend, and the companies that do right - and wrong - by their customers.

Does it Pay to Airbrush Your Profile Photo?

———

Generation Facebook may never grow old. New apps are making age-defying photo airbrushing techniques once reserved for celebrity magazine covers available instantly and inexpensively to just about anyone.

Airbrushing computer software such as the $40 Portrait Professional and Magic Brush-Photo can create perfect, youthful complexions. Other Smartphone apps like Pimple Eraser — which has had two million downloads since its release last year — and Perfect Photo are less complex, but cost 99 cents to download. “Everyone is able to use the same marketing techniques that the big ad agencies used for decades to sell products,” says Vicky Oliver, author of The Millionaire’s Handbook. “Only in this case they are selling themselves.”

The author before (left) and after (right).

Pay Dirt tested Portrait Professional, which has 200,000 clients in the U.S. — 50% of its total global customer base. The company says it analyzed thousands of photos to learn what makes people look attractive or unattractive, claims it can automatically reduce double-chins and offers over 200 ways for people to manipulate various imperfections (reshape lips and noses, remove fat, increase/reduce breast size, create muscles, erase dark circles under the eyes, raise cheekbones, thicken hair and whiten teeth). The instruction video already has over 1.5 million hits on YouTube.

The verdict? You can look as young and slim as you like, but experts say there are pitfalls to ironing out too many wrinkles and facial flaws from profile photos on professional networking like LinkedIn. Removing a pimple is one thing, but any more dramatic changes in appearance could shock prospective employers, says personal branding consultant Nick Gilham.  There are also ethical issues to consider, he says. “This would make me wonder what other lies you would tell? Would you lie about your job accomplishments or titles too?”

Still, a little light airbrushing could go a long way for some job-seekers. Smoothing out a few lines, while leaving your appearance broadly intact, might help older job hunters look young and energetic, Schawbel says. For seniors struggling to find work — some 52% of those aged 55 and older are unemployed versus just 38% of those under 55 years of age, according to the American Association of Retired Persons – the extra touch-up may help, experts say. LinkedIn connection director Nicole Williams says an “appealing” picture catches the eye of recruiters: “There’s no denying that attractiveness gives you an advantage over the competition.”

Dating sites pose other issues. A flattering photo on eHarmony or OkCupid might result in a few extra dinner engagements, Oliver says, but your date will likely end up feeling deceived (One 2009 study, “Putting Your Best Face Forward: The Accuracy of Online Dating Photographs,” by researchers at Cornell University, found that one-third of photographs on dating websites were inaccurate.) Her advice to the lovelorn and professionally restless: “If you are pleasantly plump, don’t airbrush yourself so much that you look like Twiggy.”

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    • The girl at the top could attain her appearance dreams by laying off the burgers and doing a little exercise. Not that complicated.

    • I also retouch vintage photos, and it comes down to “Keep it Simple” Try to imagine a photo that is very flattering, but you cannot tell that it has been retouched. Humanity does judge on first glance, I know this as I am not GQ material myself!

    • For the 2 examples you showed, yes it pays…….

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171.98MDow Volume:
Avg Vol: 111.57M
Unchanged
150
Decliners
1105
Advancers
5358
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,655 +369 2.27%
Nasdaq
/quotes/zigman/12633936/realtime 4,813 +115 2.45%
S&P 500
/quotes/zigman/3870025/realtime 1,988 +47 2.43%
GlobalDow
/quotes/zigman/629063/realtime 2,361 +50 2.14%
Gold
/quotes/zigman/662444/delayed 1,125 +3 0.23%
Oil
/quotes/zigman/2331095/delayed 42.53 -0.03 0.07%
FTSE 100
/quotes/zigman/3173262/delayed 6,192 +213 3.56%
DAX
/quotes/zigman/2380246/delayed 10,316 +318 3.18%
CAC 40
/quotes/zigman/3173214/delayed 4,658 +157 3.49%
FTSE MIB
/quotes/zigman/1482176/delayed 22,201 +727 3.39%
IBEX 35
/quotes/zigman/2759620/delayed 10,290 +306 3.06%
Stoxx 600
/quotes/zigman/2380150/delayed 362 +12 3.46%
Asia Dow
/quotes/zigman/6959860/realtime 2,753 +52 1.92%
Nikkei 225
/quotes/zigman/5986735/delayed 18,574 +198 1.08%
Hang Seng
/quotes/zigman/2622475/delayed 21,839 +758 3.60%
Shanghai
/quotes/zigman/1859015/delayed 3,084 +156 5.34%
Sensex
/quotes/zigman/1652085/delayed 26,231 +517 2.01%
Singapore
/quotes/zigman/1709939/delayed 2,945 +72 2.52%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 0.00 0.00%
Yen
/quotes/zigman/16008150/realtime/sampled 121.07 +0.04 0.03%
Pound
/quotes/zigman/16008140/realtime/sampled 1.54 +0.00 0.06%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.72 +0.00 0.15%
DXY Index
/quotes/zigman/1652083/delayed 95.77 0.00 0.00%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.28 +0.01 0.02%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.19 +0.01 0.40%
German 10y
/quotes/zigman/15866409/realtime 0.75 +0.04 5.49%
Italy 10yr
/quotes/zigman/15866497/realtime 1.93 -0.05 2.73%
Spain 10yr
/quotes/zigman/15866444/realtime 2.06 -0.03 1.54%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.87 +0.02 1.11%
Japan 10yr
/quotes/zigman/15866525/realtime 0.39 +0.02 4.00%
Crude Oil
/quotes/zigman/2331095/delayed 43 0 0.07%
Gold
/quotes/zigman/662444/delayed 1,125 +3 0.23%
Corn
/quotes/zigman/7599553/delayed 375 +1 0.33%
DJIA F
/quotes/zigman/38649152/delayed 16,627 -23 0.14%
S&P F
/quotes/zigman/30356461/delayed 1,987 -3 0.14%
Silver
/quotes/zigman/3134148/delayed 14 +0 0.40%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 89.73 2.54 2.91%
AAPL /quotes/zigman/68270/composite 112.92 3.23 2.94%
GOOG /quotes/zigman/30194416/composite 637.61 8.99 1.43%
BAC /quotes/zigman/190927/composite 16.44 0.38 2.37%
C /quotes/zigman/5065548/composite 53.44 1.16 2.22%
F /quotes/zigman/264304/composite 13.56 0.35 2.65%
T /quotes/zigman/398198/composite 33.44 0.75 2.29%
BP /quotes/zigman/247026/composite 33.03 1.93 6.21%
GE /quotes/zigman/227468/composite 25.01 1.00 4.16%
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5 yr CD
1.5%
2 yr CD
0.8%
1 yr CD
0.6%
MMA $10K+
0.3%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.62% 11.62% 11.53%
Business 12.85% 12.85% 12.85%
Student 13.14% 13.14% 13.14%
Balance Transfer 14.12% 14.12% 14.00%
Airline 15.10% 15.10% 15.15%
Reward 15.14% 15.14% 14.99%
Cash Back 15.27% 15.27% 15.26%
Instant Approval 18.00% 18.00% 17.93%
Bad Credit 22.73% 22.73% 22.48%
Source:CreditCards.com

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