Duration : 0:2:51

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We’re currently using this technique for some of our clients to help them communicate business strategy to employees as an alternative to large PowerPoint documents.

Please contact us for more information on Home’s video production and Visual Thinking :
Paul@thisishome.co.uk
Matthew@thisishome.co.uk

Duration : 0:2:22

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Duration : 0:4:13

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Duration : 0:6:12

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Has the economic downturn affected Americans’ credit card use? Is credit card debt more harmful than other types of debt? Can we protect consumers from falling too deeply into credit card debt? Tim Westrich of the Center for American Progress weighs these questions in the latest installment of CAP’s ASK THE EXPERT series.

Duration : 0:2:42

Technorati Tags: American, amex, bank, bankrupt, card, charge, Consumer, credit, debt, dollar, finance, interest, loan, mastercard, money, progress, progressive, seeprogress, visa, westrich

Duration : 0:6:10

Technorati Tags: banking, bonds, credit card counseling, credit card debt, credit consolidation, debt consolidation, debt management, education loan, Financial freedom, financial planners, financial planning, Infinite banking, insurance, interest, investing, Investments, Mortgage payoff, refinancing, retirement planning, savings, stocks, students loans

Expert: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.
Filmmaker: Reel Media LLC

Duration : 0:1:2

Technorati Tags: credit cards, credit ratings, credit scores, debt, equity, Finances, financial advice, interest, money management, money problems, Personal Finance

Duration : 0:6:3

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Duration : 0:6:1

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Check out Howcast for other do-it-yourself videos from bencheek and more videos in the Debt category.

You can contribute too! Create your own DIY guide at http://www.howcast.com/videos/new or produce your own Howcast spots with the Howcast Filmmakers Program at http://www.howcast.com/filmmakers/apply.

Combine your debt into one manageable chunk to minimize interest rates.

To complete this How-To you will need:

Lower interest rates on your credit cards
A card with no interest for six to 12 months
A debt consolidation loan, home equity loan, or home equity line of credit
Discipline

Step 1: Avoid debt-consolidation firms

Stay clear of debt-consolidation firms. They can’t do anything for you that you can’t do yourself.

Tip: Remember: Debt-consolidation firms that advertise themselves as “nonprofit” are not necessarily free.

Step 2: Call your creditors

Call your credit-card companies and try to negotiate lower interest rates. Be persistent — if they say no, ask to speak with someone else, or call back in a few weeks and ask again.

Step 3: Investigate new cards

Check around to see if you can get a new card with a promotional rate of six months to a year of no interest.

Tip: Read the small print! Don’t sign up for a card that reserves the right of “no-reason rate increases” or “universal default,” which means the company can raise your interest rates simply because you owe money to other creditors.

Step 4: Transfer balances

If your lowest-interest credit card has available credit, consider transferring other balances to that card. But do some number crunching first: Exorbitant transfer fees might make debt transfer pointless.

Step 5: Apply for an unsecured loan

Shop around for an unsecured debt-consolidation loan with a lower interest rate than that of your lowest-interest credit card. If you qualify for one, pay off your credit cards with the loan. Just be aware that they are nearly impossible to obtain in a tough economy.

Step 6: Apply for a home-equity loan

If you own a home, consider applying for a home-equity loan or line of credit; the interest you pay is often tax-deductible. Just make absolutely sure you can make the payments so you don’t put your home in jeopardy.

Tip: Make sure the loan doesn’t come with a prepayment penalty.

Step 7: Stop spending!

Put the brakes on unnecessary spending so you don’t incur more debt while paying off what you already owe.

Thanks for watching How To Consolidate Debt! If you enjoyed this video subscribe to the Howcast YouTube channel! http://www.youtube.com/subscription_center?add_user=howcast

Duration : 0:2:5

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