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<howcast version="0.1">
  <title>Howcast - Most Recent Guides in Business &amp; Finance</title>
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    <guide>
      <category-id>30</category-id>
      <id>273980</id>
      <title>How To Declare Bankruptcy</title>
      <type>AssignmentGuide</type>
      <views>0</views>
      <created-at>Wed, 04 Nov 2009 14:58:49 -0800</created-at>
      <rating>0</rating>
      <username>Rosemarie_Lennon</username>
      <description>
        <![CDATA[It costs money to announce that you don't have any. And that's just one of many unpleasant surprises about filing for bankruptcy. ]]>
      </description>
      <tags>declaring, bankruptcy, filing, announcing, broke, no, money, poor, finance, bank, loan, legal, petition, credit</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/273980-How-To-Declare-Bankruptcy</permalink>
    </guide>
    <guide>
      <category-id>43</category-id>
      <id>273740</id>
      <title>How To Negotiate With Credit Card Companies</title>
      <type>AssignmentGuide</type>
      <views>0</views>
      <created-at>Tue, 03 Nov 2009 11:24:44 -0800</created-at>
      <rating>0</rating>
      <username>Shay_Miller</username>
      <description>
        <![CDATA[Be confident, firm, polite, and patient when negotiating with credit card companies to reach a better deal.]]>
      </description>
      <tags>credit cards,credit card company negotiation,debt,finance,finance managment,business skills,money,payment,manage money,cut costs,reduce payments</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="37" parent_id="30">Management &amp; Business Skills</category>
        <category id="43" parent_id="37">Negotiation</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/273740-How-To-Negotiate-With-Credit-Card-Companies</permalink>
    </guide>
    <guide>
      <category-id>50</category-id>
      <id>271893</id>
      <title>How To Stop Spending Money For 30 Days</title>
      <type>HowcastGuide</type>
      <views>16</views>
      <created-at>Thu, 29 Oct 2009 14:15:15 -0700</created-at>
      <rating>0</rating>
      <username>Rosemarie_Lennon</username>
      <description>
        <![CDATA[Once you see how much you can save when you spend only on needs rather than wants, you may never go back to frivolous shopping. ]]>
      </description>
      <tags>stop,spending,money,thirty,days,budgeting,saving,finances,cash,economy,shopping</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="47" parent_id="30">Personal Finance</category>
        <category id="50" parent_id="47">Budgeting</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/271893-How-To-Stop-Spending-Money-For-30-Days</permalink>
    </guide>
    <guide>
      <category-id>48</category-id>
      <id>271447</id>
      <title>How To Endorse a Check</title>
      <type>AssignmentGuide</type>
      <views>14</views>
      <created-at>Tue, 27 Oct 2009 12:45:15 -0700</created-at>
      <rating>0</rating>
      <username>Shay_Miller</username>
      <description>
        <![CDATA[Turn your check into dollar bills by endorsing it.]]>
      </description>
      <tags>check,finance,money</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="47" parent_id="30">Personal Finance</category>
        <category id="48" parent_id="47">General Personal Finance</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/271447-How-To-Endorse-a-Check</permalink>
    </guide>
    <guide>
      <category-id>90</category-id>
      <id>271321</id>
      <title>How To Write a Business Plan</title>
      <type>AssignmentGuide</type>
      <views>29</views>
      <created-at>Mon, 26 Oct 2009 15:28:56 -0700</created-at>
      <rating>0</rating>
      <username>Tim_Jeffrey</username>
      <description>
        <![CDATA[Spend the time to create an accurate and detailed picture of your business for investors, with a plan that will answer all of their questions. ]]>
      </description>
      <tags>writing, creating, business, plan, proposal, form, new, startup, industry, company, employees, employer, office, product</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="82" parent_id="30">Small Business</category>
        <category id="90" parent_id="82">Planning a Start-Up Business</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/271321-How-To-Write-a-Business-Plan</permalink>
    </guide>
    <guide>
      <category-id>75</category-id>
      <id>268753</id>
      <title>How To Sell Your Home Yourself</title>
      <type>AssignmentGuide</type>
      <views>7</views>
      <created-at>Wed, 21 Oct 2009 08:19:27 -0700</created-at>
      <rating>0</rating>
      <username>Tim_Jeffrey</username>
      <description>
        <![CDATA[If you want to save yourself the cost of a real estate agent's commission, do an FSBO, or, For Sale By Owner. ]]>
      </description>
      <tags>real estate,selling your home,</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="71" parent_id="30">Buying &amp; Selling a Home</category>
        <category id="75" parent_id="71">Selling a Home</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/268753-How-To-Sell-Your-Home-Yourself</permalink>
    </guide>
    <guide>
      <category-id>1769</category-id>
      <id>268249</id>
      <title>The Business Value Of Macs Part 4 - FrugalTech</title>
      <type nil="true"></type>
      <views>0</views>
      <created-at>Sun, 18 Oct 2009 12:50:03 -0700</created-at>
      <rating>0</rating>
      <username>FrugalTech</username>
      <description>
        <![CDATA[http://live.frugalbrothers.com

This is part 4 of a 5 part discussion. These clips from our live Ustream program called FrugalTech-Live, covers the business value of Macs . We cover Exchange integration, security, and IT reluctance to accept Macs. I ...  Distributed by Tubemogul.]]>
      </description>
      <tags>pple, Mac, iMac, iPhone, iPod, MacBook, MacIntosh, OSX, Snow_Leopard, Windows_7, Win7, Microsoft, Google, MS_Office, Outlook, Word, PowerPoint, Excel, iWork, Linux, Business, Help, Info, Support</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="82" parent_id="30">Small Business</category>
        <category id="1769" parent_id="82">Small Business Technology</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/268249-The-Business-Value-Of-Macs-Part-4-FrugalTech</permalink>
    </guide>
    <guide>
      <category-id>31</category-id>
      <id>268169</id>
      <title>ILearing Global Review</title>
      <type nil="true"></type>
      <views>0</views>
      <created-at>Sat, 17 Oct 2009 12:54:39 -0700</created-at>
      <rating>0</rating>
      <username>JoeyFrat</username>
      <description>
        <![CDATA[http://www.squidoo.com/ilearning-global1

In this video Joey Fratantoni shows you what you are entitled to as an iLearning Global member.  He walks you through the three different package options and you get an inside look into the learning portals.]]>
      </description>
      <tags>ilearing global, ilearning business review, ilearing global business review, ilearing global review, expert ilearing global business review, i learing global</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="31" parent_id="30">Advertising &amp; Marketing</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/268169-ILearing-Global-Review</permalink>
    </guide>
    <guide>
      <category-id>39</category-id>
      <id>265142</id>
      <title>How To Be Professional During a Meeting</title>
      <type>AssignmentGuide</type>
      <views>10</views>
      <created-at>Mon, 12 Oct 2009 15:00:30 -0700</created-at>
      <rating>0</rating>
      <username>Elizabeth_Santiago</username>
      <description>
        <![CDATA[Sometimes meetings are necessary and sometimes they can be a waste of time. Learn to be professional during any meeting with these tips. ]]>
      </description>
      <tags>meeting, professional, being, office, boss, employer, employee, business, agenda, notebook, pen, preparing, conference</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="37" parent_id="30">Management &amp; Business Skills</category>
        <category id="39" parent_id="37">Business Etiquette</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/265142-How-To-Be-Professional-During-a-Meeting</permalink>
    </guide>
    <guide>
      <category-id>1786</category-id>
      <id>265080</id>
      <title>How To Review Your Life Insurance Policy</title>
      <type>AssignmentGuide</type>
      <views>10</views>
      <created-at>Mon, 12 Oct 2009 12:27:54 -0700</created-at>
      <rating>0</rating>
      <username>Rosemarie_Lennon</username>
      <description>
        <![CDATA[As your life changes, so do your insurance needs. Make sure your plan is keeping up with the times.  ]]>
      </description>
      <tags>reviewing, checking, renewing, changing, life, insurance, policy, finance, money, responsibility, needs</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="32" parent_id="30">Insurance</category>
        <category id="1786" parent_id="32">General Insurance</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/265080-How-To-Review-Your-Life-Insurance-Policy</permalink>
    </guide>
    <guide>
      <category-id>73</category-id>
      <id>262491</id>
      <title>How To Buy a House</title>
      <type>HowcastGuide</type>
      <views>10</views>
      <created-at>Wed, 07 Oct 2009 10:54:36 -0700</created-at>
      <rating>0</rating>
      <username>Tim_Jeffrey</username>
      <description>
        <![CDATA[If you find trusted advisors and investigate your choice thoroughly, you’ll be thrilled with the first house you buy.]]>
      </description>
      <tags>buying,purchasing,home,selling,business,finance,house,first,offering,mortgage,real,estate</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="71" parent_id="30">Buying &amp; Selling a Home</category>
        <category id="73" parent_id="71">Buying a Home</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/262491-How-To-Buy-a-House</permalink>
    </guide>
    <guide>
      <category-id>1786</category-id>
      <id>262253</id>
      <title>How To Buy Long-Term Disability Insurance</title>
      <type>AssignmentGuide</type>
      <views>43</views>
      <created-at>Mon, 05 Oct 2009 13:47:29 -0700</created-at>
      <rating>0</rating>
      <username>ShannonH</username>
      <description>
        <![CDATA[Disability insurance is expensive – often one percent of the insured person's income – so know your options before deciding on a plan.  ]]>
      </description>
      <tags>disability, injury, sick, ill, insurance, health, law, plan, contract, rate, payment, expenses, money, physician, doctor, company</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="32" parent_id="30">Insurance</category>
        <category id="1786" parent_id="32">General Insurance</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/262253-How-To-Buy-LongTerm-Disability-Insurance</permalink>
    </guide>
    <guide>
      <category-id>34</category-id>
      <id>258234</id>
      <title>How To Appeal a Health Insurance Decision</title>
      <type>AssignmentGuide</type>
      <views>33</views>
      <created-at>Wed, 23 Sep 2009 08:21:15 -0700</created-at>
      <rating>0</rating>
      <username>Annette_Stierwalt</username>
      <description>
        <![CDATA[Occasionally, your health insurance claim may be denied. Paperwork and persistence are crucial to reversing your carrier’s decision.]]>
      </description>
      <tags>health,sick,life,insurance,appealing,denying,paperwork,decision,medical,doctor,coverage,mailing,forms</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="32" parent_id="30">Insurance</category>
        <category id="34" parent_id="32">Health Insurance</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/258234-How-To-Appeal-a-Health-Insurance-Decision</permalink>
    </guide>
    <guide>
      <category-id>55</category-id>
      <id>248074</id>
      <title>How To Ask For Money From a Friend or Family Member</title>
      <type>AssignmentGuide</type>
      <views>100</views>
      <created-at>Mon, 21 Sep 2009 12:14:31 -0700</created-at>
      <rating>0</rating>
      <username>Susan_Ruckdeschel</username>
      <description>
        <![CDATA[Asking a friend or family member for money is a sensitive undertaking. If you take the necessary steps, you’ll get what you need and ensure them that their money will be repaid. ]]>
      </description>
      <tags>asking,borrowing,lending,money,cash,funds,friends,family,mom,dad,sister,aunt,uncle,grandmother,grandfather,asking,</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="47" parent_id="30">Personal Finance</category>
        <category id="55" parent_id="47">Fast Cash</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/248074-How-To-Ask-For-Money-From-a-Friend-or-Family-Member</permalink>
    </guide>
    <guide>
      <category-id>1769</category-id>
      <id>239218</id>
      <title>How To Add a New Dimension To Your Business</title>
      <type>HowcastGuide</type>
      <views>19</views>
      <created-at>Wed, 09 Sep 2009 09:49:40 -0700</created-at>
      <rating>0</rating>
      <username>nowpotternow</username>
      <description>
        <![CDATA[The Kodak NexPress Intelligent Dimensional Printing Solution is a revolutionary new process that allows print providers to offer "dimensional printing, " a 3-D layer of clear, dry ink over graphics, text, and full color images.]]>
      </description>
      <tags>Kodak,Nexpress,Intelligent,Dimensional,Printing,Solution,3D,3-D,graphics,ink,images,technology,new,dimension,business</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="82" parent_id="30">Small Business</category>
        <category id="1769" parent_id="82">Small Business Technology</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/239218-How-To-Add-a-New-Dimension-To-Your-Business</permalink>
    </guide>
    <guide>
      <category-id>48</category-id>
      <id>239208</id>
      <title>How To Help Your Friends and Neighbors Save Money on Energy</title>
      <type>HowcastGuide</type>
      <views>16</views>
      <created-at>Wed, 09 Sep 2009 09:02:12 -0700</created-at>
      <rating>0</rating>
      <username>Rosemarie_Lennon</username>
      <description>
        <![CDATA[Spread the word: It's easy to reduce energy consumption! By sharing these tips, you'll help friends and family use less energy and save money. ]]>
      </description>
      <tags>AARP,saving,money,friends,neighbors,getting,helping,reducing,environment,using,less,bills,decreasing,smaller</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="47" parent_id="30">Personal Finance</category>
        <category id="48" parent_id="47">General Personal Finance</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/239208-How-To-Help-Your-Friends-and-Neighbors-Save-Money-on-Energy</permalink>
    </guide>
    <guide>
      <category-id>48</category-id>
      <id>225981</id>
      <title>Someone Like You - Diana: Part 3 Of 3</title>
      <type nil="true"></type>
      <views>14</views>
      <created-at>Wed, 12 Aug 2009 13:16:26 -0700</created-at>
      <rating>0</rating>
      <username>tonkabeans</username>
      <description>
        <![CDATA[This is Episode 3 of 3 of Tonka Beans' "Someone like you" video series where ZIna provides a financial makeovers of women just like you.

Zina shares her thoughts on Diana's financial situation... ]]>
      </description>
      <tags>women, finance, investment, investing, money, management, security, poverty, wealth, planning, personal, portfolio</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="47" parent_id="30">Personal Finance</category>
        <category id="48" parent_id="47">General Personal Finance</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/225981-Someone-Like-You-Diana-Part-3-Of-3</permalink>
    </guide>
    <guide>
      <category-id>53</category-id>
      <id>218310</id>
      <title>Debt Consolidation 123 Helped Thousand Of People To Pay Off DEBT</title>
      <type nil="true"></type>
      <views>56</views>
      <created-at>Tue, 07 Jul 2009 23:26:59 -0700</created-at>
      <rating>0</rating>
      <username>claire989</username>
      <description>
        <![CDATA[Debt Consolidation123 helped thousand of people to pay off DEBT ]]>
      </description>
      <tags>debt consolidation, free debt consolidation loans</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="47" parent_id="30">Personal Finance</category>
        <category id="53" parent_id="47">Debt</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/218310-Debt-Consolidation-123-Helped-Thousand-Of-People-To-Pay-Off-DEBT</permalink>
    </guide>
    <guide>
      <category-id>48</category-id>
      <id>218264</id>
      <title>How To Do a Proper Life Planning</title>
      <type nil="true"></type>
      <views>115</views>
      <created-at>Sat, 27 Jun 2009 05:03:47 -0700</created-at>
      <rating>1</rating>
      <username>pinkchiwawa</username>
      <description>
        <![CDATA[Don't have a self planning? Don't worried, just follow a few simple steps and you can make your life more easier.]]>
      </description>
      <tags>how, to, do, a, proper, life, planning</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="47" parent_id="30">Personal Finance</category>
        <category id="48" parent_id="47">General Personal Finance</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/218264-How-To-Do-a-Proper-Life-Planning</permalink>
    </guide>
    <guide>
      <category-id>74</category-id>
      <id>218239</id>
      <title>How To Use MyPropFolio For Loan Modification</title>
      <type nil="true"></type>
      <views>45</views>
      <created-at>Tue, 23 Jun 2009 16:40:55 -0700</created-at>
      <rating>0</rating>
      <username>ShelbyMyHoney</username>
      <description>
        <![CDATA[How to use MyPropFolio for your loss mitigation needs. When you submit a successful loss mitigation file you earn $1000.]]>
      </description>
      <tags>loan modification, loss mitigation, money now loan, save my home, MyPropFolio, foreclosure, loan instant approval, stop foreclosure, how to stop foreclosure, loan modification service</tags>
      <category-hierarchy>
        <category id="30">Business &amp; Finance</category>
        <category id="71" parent_id="30">Buying &amp; Selling a Home</category>
        <category id="74" parent_id="71">Home Finance</category>
      </category-hierarchy>
      <comment-count>0</comment-count>
      <permalink>http://www.howcast.com/videos/218239-How-To-Use-MyPropFolio-For-Loan-Modification</permalink>
    </guide>
  </guides>
</howcast>
