WEBVTT

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♪

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>> In 1985, the

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representatives who were
on the Banking committee said

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every credit card
should be burned

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because they could foresee

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that within the next five,
six, seven, eight years

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that this was going
to become totally

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an unhandle-able situation
and that has occurred

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Bill Terrell>
Today on the Caravan,

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working our way out of debt.

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Also a promising career
opportunity.

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>> There are a number,

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a good number of career
possibilities

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in health and fitness, now
and definitely more

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so in the future.

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Bill> Hi,and welcome
to this edition

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of the Job Man Caravan.

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I'm Bill Terrell,
those features

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and much more for you
this week.

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We have Toliver's Mane Event

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in Columbia, South Carolina,
where a little later

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we'll be talking
with some of the people here.

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But first, on to the nation's
capital, Washington, D.C.,

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and the special doll show.

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(indiscernible conversations)

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>> You have to be extra nice
to your grandma.

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(indiscernible conversations)

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>> Extra nice.

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♪

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Patricia Bennett> Today
there are dolls available

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which look like us.

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But this variety, unfortunately,

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is available
only in limited areas.

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This doll show
and sale in Washington, D.C.

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is one of just a few held
throughout the country,

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Melinda Saunders> So I found
there's a need to bring all

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of these doll artists
and promoters

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and collectors together

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to see the wide array of
talent that we have among us.

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These artists
of Afro American artists,

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and the features
that they bring out

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represent our features.

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Because if you look on any of
these tables, you'll see a doll

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that resembles
someone that you know

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or someone that you grew up
with, or an older person

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that you knew somewhere
along the way.

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Bennett> There were antique
dolls in perfect shape.

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Rag doll of every sort, and
dolls all dressed up in garb,

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representative
of the motherland.

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And the doll that's almost
six years old now

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is Baby Whitney.

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Mel and Loretta Whitfield
brought Baby Whitney to life.

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Melvin Whitfield> So we want to
integrate two things.

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One with African history

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and the African
American experience.

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And so what we did, we use
what is called the guava doll,

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which is a circular disc,
and then on top of that,

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features of a black child,
are superimposed.

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There's a noted African art
historian in New York,

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a sister
named Rosalind Jeffries,

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and she was instrumental

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in developing
this doll's face,

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because what we attempted
to do, rather than say

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that black is beautiful,
we wanted to show it.

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And we wanted the world
to be proud about it.

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So we integrated
an African doll

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with expressions
of African American children.

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We went to the extent
of rooting the hair in

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so it's washable.

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The majority of the dolls

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here on the market
today cannot be washed.

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It is very straight
and very fine hair.

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Once it gets near water or soap,

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it shrinks and the kid
can never comb it out again.

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The other thing that we did,
we developed flexible joints

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on our dolls'
arms and legs because

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in testing the dolls out,
the first thing to pop

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those is the arm or the leg.

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We wanted a product that would
last for several years.

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So out of that, we came up with
the name Baby Whitney

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for Whitty Kids.

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And out of that
we developed a wedding,

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a wedding platinum series.

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We developed African designs
specifically based on the

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countries that we imported

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and had fabrics
designed for our dolls,

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because we wanted
to show history

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that is past a history
that is contemporary

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and experiences
which are occurring

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in African-American settings.

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Bennett> We want dolls that look
like our beautiful children,

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that's evident by our turnout
at this show and sale.

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Melinda Saunders has made this

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an annual event
in Washington, D.C.

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she hopes more people
throughout

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the country will get involved,

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allowing these capable artists
to market their talents

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while we reap
the wonderful benefits

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for the Caravan
in our nation's capital,

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I'm Patricia Bennett.
Melvin> She's not for everybody.

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She's only for people
who love themselves.

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("The Greatest Gift of All"
Whitney Houston)

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♪

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♪

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♪

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Bill> You're watching
the "Job Man Caravan",

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where we know that
it's very important

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that our young people feel

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good about themselves.

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A little later in the program,
working yourself out of debt.

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A few weeks ago
on the caravan,

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it was very disturbing

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to find out that
so many of our young people

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fear the violence
that surrounds them.

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Here at Tolliver's Main Event
in Columbia, South Carolina,

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we ask some of the people here
what they felt can

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and should be done
to protect our young people

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from the violence
that surrounds them.

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Barber> We, as residents
in the community,

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have to make certain

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that we work together to keep
the violence out our community

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and, help each other

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as parents to help raise
children in the community.

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We have to step forward,
put our self on the line,

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our lives on the line and say,

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this is not going to happen
in our community.

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>> First of all, I think we as
parents need to get control

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of our kids' activities
after school and on weekends.

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We need to,
get involved in community

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development further
things for the kids to do.

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Barber> Basically,
I think what we need to do is

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get some kind
of community activities

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that involve our youth
afterschool and on weekends,

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because we have a lot
of our young are here

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that are 17, 18, 19,

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And so forth that think
they have the minds of adults,

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and they perform like babies.

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>> I think our males
have to take a stand forward

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and get out in the community
and tell our young ones

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where they are wrong
and show them

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that we got to
be better examples.

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Our churches are going
to have to get involved,

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our schools, the neighborhood
itself.

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>> We got to get control.

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We got to show them
the way.

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We got to stand up and start
doing things the right way,

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and in turn,
our children will

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see this and follow in line.

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>> In order to get rid of the
problems of drug and violence,

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I believe that

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it's going to take an effort
from the home first,

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that we've got to let our

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children know the importance
of not to deal with drugs.

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And from there, we,

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the next step will be
go to church,

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get our young folk
involved in church activities

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that will take up
some of the time

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that they have to go out
and do various things.

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Bill> Some very good and thought
provoking responses

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on the Caravan.

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And now
working our way out of debt

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and bettering
our financial situation.

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Patricia Bennett> For years
now, some of us have had that

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things are going
to get better attitude,

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an attitude, which
has prompted us to buy now,

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hoping we'll be able to
pay later, but all too soon,

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later is now and our pockets
still aren't overflowing.

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Instead,
the economy has experienced

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a significant downturn

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and we're left with
yesterday's and today's bills.

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Mary Wilson> The 90s,
unfortunately, will be

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probably the decade of debt.

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We as consumers
are totally overloaded

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with choices that we made

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in the late 70s
and through the 80s.

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We're talking about
$704 billion right now

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in consumer credit debt.
Bennett> Ms Wilson says

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this does not include
mortgage debt.

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So how do we get out
from under,

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according to Ms Wilson,

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first, take a good look
at your financial situation.

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Wilson>
This is by sitting down

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writing out in
black and white,

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every single person
that you owe,

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the amount that you owe,

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and approximately how much the

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monthly payments are running.

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This will give you
a better idea,

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and I think many consumers

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that I talk
with are very surprised.

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Like Mary,

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I was 28 thousand
or 38 thousand,

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or 48 thousand
dollars in debt when

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they were assuming the debt
was maybe 15 or 16 thousand.

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So finding out where you are,

08:17.833 --> 08:19.066 align:left position:10% line:83% size:80%
is the number one process.

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Bennett>
Where do you go from there?

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Wilson>
What are our living expenses?

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House payment or rent?

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Utilities, groceries,
gas, car insurance,

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taxes on vehicles.

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Where are we on
a personal level, on a living,

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on a day to day basis,
getting that information down.

08:36.733 --> 08:37.200 align:left position:20% line:83% size:70%
Then once we get A,

08:38.033 --> 08:39.000 align:left position:10% line:89% size:80%
which is a consumer debt,

08:40.300 --> 08:41.633 align:left position:10% line:83% size:80%
along with B, which is your
a living expense,

08:42.933 --> 08:44.566 align:left position:10% line:83% size:80%
we measure that against C,
which is the income.

08:45.700 --> 08:46.166 align:left position:10% line:83% size:80%
This is where the problem
comes in.

08:47.466 --> 08:49.133 align:left position:10% line:83% size:80%
Not enough income to cover
both those obligations.

08:50.066 --> 08:50.400 align:left position:40% line:83% size:50%
Bennett>
So what does a person do

08:51.433 --> 08:51.800 align:left position:30% line:83% size:60%
when they don't
have enough income

08:53.133 --> 08:53.933 align:left position:10% line:83% size:80%
to cover the obligations?
Wilson> It's time then

08:55.133 --> 08:56.633 align:left position:10% line:83% size:80%
to do a complete assessment
of a situation.

08:57.366 --> 08:57.800 align:left position:20% line:89% size:70%
Do we have creditors

08:59.033 --> 09:00.133 align:left position:20% line:83% size:70%
that can take reduced
or lowered payments?

09:01.233 --> 09:01.800 align:left position:30% line:83% size:60%
What can we do
with the living expense

09:02.933 --> 09:04.566 align:left position:20% line:83% size:70%
to reduce the overall
month to month

09:05.300 --> 09:06.166 align:left position:20% line:83% size:70%
or day to day expenses?

09:07.566 --> 09:08.400 align:left position:10% line:83% size:80%
Bennett> Today, most financial
experts will tell you

09:09.766 --> 09:11.866 align:left position:10% line:83% size:80%
to get rid of as much credit
card debt as possible.

09:12.466 --> 09:13.400 align:left position:30% line:89% size:60%
Paying up to 21%

09:14.266 --> 09:14.900 align:left position:10% line:89% size:80%
interest on credit card charges

09:16.000 --> 09:17.566 align:left position:30% line:83% size:60%
is wreaking
havoc on your budget.

09:18.633 --> 09:19.100 align:left position:30% line:83% size:60%
And if you've
got several cards,

09:19.833 --> 09:20.900 align:left position:20% line:89% size:70%
get rid of most of them.

09:22.300 --> 09:24.033 align:left position:10% line:83% size:80%
Having fewer credit cards
will mean less temptation,

09:25.333 --> 09:27.200 align:left position:20% line:83% size:70%
and your credit picture
will actually look better.

09:28.266 --> 09:30.233 align:left position:20% line:83% size:70%
Wilson> In 1985, the
representatives

09:31.333 --> 09:33.366 align:left position:30% line:83% size:60%
who were on the
banking committee said

09:34.400 --> 09:35.366 align:left position:20% line:83% size:70%
every credit card
should be burned

09:36.200 --> 09:37.466 align:left position:10% line:89% size:80%
because they could foresee

09:38.766 --> 09:39.966 align:left position:10% line:83% size:80%
that within the next five,
six, seven, eight years,

09:40.866 --> 09:41.033 align:left position:10% line:83% size:80%
that this was going to become

09:42.066 --> 09:43.366 align:left position:20% line:83% size:70%
totally an unhandle-able
situation

09:44.133 --> 09:45.066 align:left position:20% line:83% size:70%
and that has occurred.

09:46.233 --> 09:47.033 align:left position:10% line:83% size:80%
I would suggest to people,
number one,

09:48.366 --> 09:49.400 align:left position:10% line:83% size:80%
they need to start eliminating
their credit debt.

09:50.733 --> 09:52.433 align:left position:20% line:83% size:70%
As one representative
said, hold the credit card

09:53.366 --> 09:54.300 align:left position:30% line:83% size:60%
up to the mirror
beside your face

09:55.233 --> 09:56.066 align:left position:40% line:83% size:50%
and say,
who is in control here?

09:57.233 --> 09:57.700 align:left position:30% line:83% size:60%
You know,
make a realistic thing here.

09:58.766 --> 09:59.733 align:left position:30% line:83% size:60%
Is the plastic
in control or you?

10:01.066 --> 10:03.866 align:left position:20% line:83% size:70%
Obviously with $704
billion worth of consumer debt,

10:04.933 --> 10:06.366 align:left position:30% line:83% size:60%
the credit cards
have taken over control.

10:07.600 --> 10:10.033 align:left position:20% line:83% size:70%
So being able to stop,
look at a situation,

10:11.233 --> 10:13.166 align:left position:20% line:83% size:70%
make some decisions,
start eliminating cards

10:14.100 --> 10:15.000 align:left position:30% line:83% size:60%
because it's not
paying off debt

10:16.333 --> 10:18.133 align:left position:10% line:83% size:80%
when you pay minimum payments
for approximately

10:19.233 --> 10:20.100 align:left position:30% line:83% size:60%
3 or 4 months
and then turn right

10:21.333 --> 10:22.500 align:left position:30% line:83% size:60%
back around
and use the credit card again,

10:23.700 --> 10:24.700 align:left position:10% line:83% size:80%
the balance is right back
where it was,

10:26.066 --> 10:29.100 align:left position:10% line:83% size:80%
with interest rate at 21.9%,
and you're only paying

10:30.166 --> 10:31.466 align:left position:20% line:83% size:70%
a very minimum, say,
3% of that debt.

10:32.300 --> 10:33.033 align:left position:10% line:89% size:80%
Then half of the payments

10:34.500 --> 10:35.600 align:left position:10% line:83% size:80%
you're making is interest,
and the only the other half

10:36.600 --> 10:37.400 align:left position:40% line:83% size:50%
is going
against the principle.

10:38.900 --> 10:40.600 align:left position:10% line:83% size:80%
This is why the debt is not
coming down any whatsoever.

10:41.500 --> 10:41.933 align:left position:10% line:83% size:80%
It's like a revolving door.

10:43.366 --> 10:45.100 align:left position:10% line:83% size:80%
Bennett> Credit has gotten
a lot of us into trouble.

10:46.433 --> 10:46.933 align:left position:10% line:83% size:80%
We are stretched beyond our
financial limits,

10:48.333 --> 10:50.233 align:left position:10% line:83% size:80%
as indicated by the increased
number of bankruptcies.

10:51.566 --> 10:53.266 align:left position:20% line:83% size:70%
But bankruptcy should be
the absolute last option.

10:54.400 --> 10:55.700 align:left position:20% line:83% size:70%
If possible, try to work
something out

10:56.466 --> 10:57.000 align:left position:20% line:83% size:70%
with your creditors.

10:58.300 --> 10:58.966 align:left position:20% line:83% size:70%
Wilson> Creditors
will work with consumers.

11:00.333 --> 11:00.700 align:left position:10% line:83% size:80%
I have been with consumer
credit counseling

11:01.400 --> 11:02.366 align:left position:20% line:89% size:70%
now for 13 years.

11:03.733 --> 11:04.766 align:left position:10% line:83% size:80%
I have had very few creditors
who said, no, Mary,

11:05.900 --> 11:06.766 align:left position:20% line:83% size:70%
we can't do this,
we won't do this.

11:07.700 --> 11:09.366 align:left position:30% line:83% size:60%
But it has to be
a workable plan.

11:10.500 --> 11:11.333 align:left position:30% line:83% size:60%
This is where
the problem comes in.

11:12.433 --> 11:13.133 align:left position:30% line:83% size:60%
When you start
making promises like

11:13.833 --> 11:14.733 align:left position:20% line:89% size:70%
"Yes, sir. No sir"

11:15.933 --> 11:17.233 align:left position:20% line:83% size:70%
"I can work with you
at X number of dollars."

11:18.466 --> 11:19.100 align:left position:20% line:83% size:70%
You proceed with this
for a month or two,

11:20.333 --> 11:21.600 align:left position:10% line:83% size:80%
and because the plan is not
well laid out,

11:23.100 --> 11:24.266 align:left position:10% line:83% size:80%
then suddenly you're saying
I can't pay again this month,

11:25.000 --> 11:25.500 align:left position:20% line:89% size:70%
then they have problems

11:26.966 --> 11:29.733 align:left position:10% line:83% size:80%
because you've made promises
and commitments in the past.

11:30.333 --> 11:30.800 align:left position:30% line:89% size:60%
If you sit down,

11:32.100 --> 11:33.133 align:left position:20% line:83% size:70%
do the assessment
with the credit obligation,

11:34.166 --> 11:35.500 align:left position:30% line:83% size:60%
do your analysis
of your financial

11:36.833 --> 11:38.266 align:left position:10% line:83% size:80%
on your living expense basis,
then come up with

11:39.733 --> 11:41.000 align:left position:10% line:83% size:80%
I have X number of creditors.
I owe X number of dollars

11:42.233 --> 11:43.700 align:left position:10% line:83% size:80%
to and get a feasible amount
to each one.

11:45.033 --> 11:46.033 align:left position:20% line:83% size:70%
When I say feasible,
it is not feasible to say,

11:47.366 --> 11:49.400 align:left position:20% line:83% size:70%
"I can only pay you $10
on a $2,000 credit card."

11:50.933 --> 11:52.600 align:left position:10% line:83% size:80%
Bennett> The challenge is to do
the best with what you've got.

11:53.666 --> 11:54.600 align:left position:20% line:83% size:70%
But if ends still
are not meeting,

11:56.066 --> 11:58.100 align:left position:10% line:83% size:80%
finding additional sources
of income may be necessary.

11:59.200 --> 12:00.366 align:left position:20% line:83% size:70%
Essie Perkins turned her
love of hats

12:01.233 --> 12:02.200 align:left position:10% line:89% size:80%
into a moneymaking venture.

12:03.433 --> 12:05.100 align:left position:10% line:83% size:80%
Essie Perkins> I started in 87
as a hobby.

12:07.033 --> 12:08.466 align:left position:30% line:83% size:60%
The reason
I started at the time was

12:09.933 --> 12:12.900 align:left position:10% line:83% size:80%
because I was getting ready
for a special occasion, church,

12:14.266 --> 12:16.600 align:left position:10% line:83% size:80%
and I had searched all over
looking for something

12:17.833 --> 12:19.033 align:left position:30% line:83% size:60%
that was going
to make me make a statement,

12:19.766 --> 12:21.333 align:left position:20% line:89% size:70%
and I could find it.

12:22.666 --> 12:23.400 align:left position:10% line:83% size:80%
So I said, well, I know what
I'm going to design

12:24.000 --> 12:24.633 align:left position:30% line:89% size:60%
and make my own.

12:25.666 --> 12:25.933 align:left position:40% line:83% size:50%
Bennett>
This is my favorite color.

12:26.833 --> 12:27.433 align:left position:10% line:89% size:80%
Perkins> Yeah, that's pretty.

12:28.733 --> 12:29.066 align:left position:10% line:83% size:80%
You know what, Pat? you're going
to like how look.

12:30.133 --> 12:30.400 align:left position:30% line:83% size:60%
When you see it,
you're going to say,

12:31.133 --> 12:32.666 align:left position:20% line:89% size:70%
Oh, I got to call Essie.

12:33.900 --> 12:35.333 align:left position:10% line:83% size:80%
Tell Essie, how well I look.
I didn't know

12:36.100 --> 12:36.933 align:left position:20% line:89% size:70%
I can look that good.

12:38.100 --> 12:38.633 align:left position:10% line:83% size:80%
Bennett> Ms. Perkins says
it can take her

12:39.333 --> 12:39.966 align:left position:20% line:89% size:70%
from 1 to 3 hours

12:41.133 --> 12:43.366 align:left position:20% line:83% size:70%
to complete a hat,
but no two are the same.

12:44.600 --> 12:47.200 align:left position:20% line:83% size:70%
A customer can request
a particular design

12:48.533 --> 12:51.066 align:left position:20% line:83% size:70%
or allow Ms Perkins'
creativity to take charge.

12:52.166 --> 12:52.933 align:left position:40% line:83% size:50%
Perkins>
This is my first year full time.

12:54.300 --> 12:57.933 align:left position:20% line:83% size:70%
I just retired this June
and now I'm going full time.

12:59.400 --> 13:02.500 align:left position:10% line:83% size:80%
I am also selling hats to
my second location in Maryland.

13:03.600 --> 13:05.000 align:left position:40% line:83% size:50%
Bennett>
Hats by Essie came into being

13:06.166 --> 13:07.600 align:left position:20% line:83% size:70%
because Ms Perkins
believes you should

13:08.366 --> 13:09.500 align:left position:20% line:83% size:70%
Perkins> Try anything

13:10.133 --> 13:11.000 align:left position:30% line:89% size:60%
that you think

13:12.300 --> 13:13.600 align:left position:20% line:83% size:70%
will be something
that you might enjoy doing,

13:14.700 --> 13:15.333 align:left position:20% line:83% size:70%
because you might have
a hidden talent

13:16.566 --> 13:17.466 align:left position:20% line:83% size:70%
there and talent there
and do not know it.

13:18.200 --> 13:19.700 align:left position:20% line:83% size:70%
So try give it a go.

13:21.133 --> 13:22.800 align:left position:10% line:83% size:80%
Bennett> Another source of
income might be a part time job.

13:24.033 --> 13:25.066 align:left position:20% line:83% size:70%
Some businesses known
to hire part timers

13:25.966 --> 13:27.133 align:left position:10% line:89% size:80%
include retail establishments,

13:28.300 --> 13:30.066 align:left position:30% line:83% size:60%
grocery stores,
and fast food restaurants.

13:31.533 --> 13:33.233 align:left position:10% line:83% size:80%
An age old practice which
could save money is bartering.

13:34.300 --> 13:34.733 align:left position:30% line:83% size:60%
In certain
parts of the country,

13:35.766 --> 13:37.266 align:left position:20% line:83% size:70%
bartering is again
getting popular.

13:38.500 --> 13:39.566 align:left position:20% line:83% size:70%
It's a system whereby
money is not exchanged,

13:40.400 --> 13:42.600 align:left position:10% line:89% size:80%
but services or items are.

13:43.933 --> 13:44.200 align:left position:10% line:83% size:80%
Farihah Bakr> Everybody has
something to offer.

13:45.366 --> 13:46.166 align:left position:30% line:83% size:60%
We all are
blessed with certain skills

13:47.466 --> 13:48.500 align:left position:20% line:83% size:70%
and certain talents,
you know, certain services

13:49.733 --> 13:50.800 align:left position:10% line:83% size:80%
and goods that we can provide
each other,

13:52.166 --> 13:53.900 align:left position:10% line:83% size:80%
you know, and we can do this
without having to deal

13:54.633 --> 13:55.466 align:left position:20% line:89% size:70%
with money at all.

13:56.966 --> 13:59.000 align:left position:10% line:83% size:80%
Bennett> Farihah has been
bothering for many years now.

14:00.500 --> 14:02.366 align:left position:10% line:83% size:80%
Bakr> When my children were
small, especially when I,

14:03.500 --> 14:05.533 align:left position:30% line:83% size:60%
used to trade
babysitting services,

14:06.700 --> 14:07.800 align:left position:10% line:83% size:80%
you know, for other things,
you know,

14:09.100 --> 14:11.466 align:left position:10% line:83% size:80%
whatever it might be like,
maybe a basket of fruit,

14:12.666 --> 14:14.433 align:left position:10% line:83% size:80%
you know, or the groceries
for this week.

14:15.833 --> 14:16.400 align:left position:10% line:83% size:80%
Bennett> Farihah says most of
the bartering she does

14:17.000 --> 14:17.933 align:left position:30% line:89% size:60%
is with friends.

14:18.800 --> 14:19.700 align:left position:10% line:89% size:80%
Bakr> Amongst us, you know,

14:21.066 --> 14:23.333 align:left position:10% line:83% size:80%
we know that all of our needs
are being taken care of.

14:24.366 --> 14:25.233 align:left position:30% line:83% size:60%
You know,
somebody may bake bread,

14:26.333 --> 14:28.000 align:left position:30% line:83% size:60%
another person
may be a seamstress.

14:29.033 --> 14:29.800 align:left position:20% line:83% size:70%
Somebody else does
carpentry work,

14:31.033 --> 14:32.266 align:left position:20% line:83% size:70%
you know, somebody else
has different skills,

14:33.600 --> 14:34.000 align:left position:20% line:83% size:70%
you know, that they
are that they are providing.

14:34.433 --> 14:36.833 align:left position:40% line:89% size:50%
♪

14:38.033 --> 14:38.433 align:left position:10% line:83% size:80%
Bennett> Maybe you can set up a
bartering system

14:39.200 --> 14:39.666 align:left position:20% line:89% size:70%
in your neighborhood.

14:40.833 --> 14:42.366 align:left position:20% line:83% size:70%
A good way to start,
have a swap party,

14:43.700 --> 14:44.166 align:left position:20% line:83% size:70%
plan to get together
for your friends and neighbors,

14:45.233 --> 14:46.233 align:left position:30% line:83% size:60%
where you trade
what you don't need

14:47.000 --> 14:47.866 align:left position:20% line:89% size:70%
for what you do need.

14:48.700 --> 14:49.100 align:left position:10% line:89% size:80%
Another hurdle is learning

14:50.433 --> 14:52.566 align:left position:20% line:83% size:70%
to spend more wisely by
taking care of what you have

14:53.333 --> 14:54.433 align:left position:20% line:83% size:70%
our cars, for example.

14:55.466 --> 14:56.033 align:left position:30% line:83% size:60%
Gerald Lancaster
saved saves money

14:57.333 --> 14:58.700 align:left position:20% line:83% size:70%
by keeping his cars
well maintained and doing

15:00.066 --> 15:01.800 align:left position:20% line:83% size:70%
most of the maintenance
and minor repairs himself,

15:02.633 --> 15:03.566 align:left position:10% line:89% size:80%
changing oil, for example.

15:04.633 --> 15:06.933 align:left position:20% line:83% size:70%
He showed me how simple
the process is.

15:07.966 --> 15:09.000 align:left position:30% line:83% size:60%
Lancaster>
...you want to get here

15:09.933 --> 15:10.633 align:left position:40% line:83% size:50%
and see
that you got enough room

15:12.133 --> 15:13.766 align:left position:10% line:83% size:80%
from your body to here to take
to get underneath your car.

15:14.800 --> 15:14.966 align:left position:30% line:83% size:60%
So if you don't
have enough room,

15:15.800 --> 15:16.166 align:left position:10% line:89% size:80%
you need to get you a jack

15:17.366 --> 15:19.433 align:left position:20% line:83% size:70%
and ... so you can
get up underneath it.

15:20.766 --> 15:21.600 align:left position:20% line:83% size:70%
So once you do that,
then you'll be able to see.

15:22.500 --> 15:23.466 align:left position:10% line:89% size:80%
Make sure your car is blocked.

15:24.500 --> 15:24.833 align:left position:20% line:83% size:70%
Make sure your car
is not rolling.

15:26.033 --> 15:27.933 align:left position:10% line:83% size:80%
Block the car of the front
and your back

15:29.033 --> 15:29.166 align:left position:30% line:83% size:60%
and make sure
you car don't roll back

15:30.000 --> 15:30.900 align:left position:10% line:89% size:80%
when you jack the car up.

15:32.266 --> 15:34.100 align:left position:10% line:83% size:80%
And then after that you get
and you're ready to go

15:35.000 --> 15:35.600 align:left position:10% line:83% size:80%
to see with you oil changing.

15:37.066 --> 15:39.166 align:left position:10% line:83% size:80%
So you go in, you want to
take your oil plug loose first

15:40.466 --> 15:42.166 align:left position:20% line:83% size:70%
and then your oil out
and let it run

15:43.333 --> 15:43.866 align:left position:10% line:83% size:80%
until it come all the way
completely out.

15:44.733 --> 15:45.300 align:left position:10% line:83% size:80%
And then you go to your filter.

15:46.500 --> 15:47.200 align:left position:30% line:83% size:60%
If you realize
your filter got oil in it.

15:48.100 --> 15:48.633 align:left position:10% line:89% size:80%
So you want to take that loose

15:49.500 --> 15:49.966 align:left position:10% line:89% size:80%
and then let that drain out.

15:51.000 --> 15:51.133 align:left position:40% line:83% size:50%
Bennett>
Now do you need to change

15:52.466 --> 15:53.433 align:left position:10% line:83% size:80%
your filter when you do your oil
too? Lancaster> Yes.

15:54.933 --> 15:56.100 align:left position:10% line:83% size:80%
Bennett> So that's something
else you need to have on hand

15:56.100 --> 15:57.233 align:left position:30% line:83% size:60%
is that filter.
Lancaster> Your filter

15:57.233 --> 15:57.400 align:left position:20% line:83% size:70%
after you complete
all the steps

15:58.500 --> 15:59.500 align:left position:20% line:83% size:70%
you got to go through
in drainage.

16:00.933 --> 16:01.566 align:left position:20% line:83% size:70%
And make sure you have
your oil pan here to catch that

16:02.266 --> 16:04.300 align:left position:20% line:83% size:70%
that oil come out.

16:05.433 --> 16:05.566 align:left position:30% line:83% size:60%
and then after
you get through that,

16:06.500 --> 16:06.833 align:left position:30% line:83% size:60%
then you go
back to the same

16:07.566 --> 16:08.566 align:left position:20% line:89% size:70%
that you put it back on,

16:09.900 --> 16:11.300 align:left position:10% line:83% size:80%
put your plug back in first
for your...for your...,

16:12.433 --> 16:14.000 align:left position:20% line:83% size:70%
then you put your
oil filter back on

16:15.266 --> 16:15.933 align:left position:20% line:83% size:70%
and then you come in,
you come back up here,

16:16.866 --> 16:17.566 align:left position:30% line:83% size:60%
then you want to
open up to here.

16:18.433 --> 16:19.866 align:left position:10% line:89% size:80%
This is your place in here.

16:21.066 --> 16:21.866 align:left position:20% line:83% size:70%
This is where you going
to put your oil in here.

16:22.633 --> 16:22.800 align:left position:20% line:83% size:70%
This is near the top.

16:23.800 --> 16:23.933 align:left position:20% line:83% size:70%
Most your engine's
is on top.

16:25.000 --> 16:25.500 align:left position:20% line:83% size:70%
Most of some of them
are on the side.

16:26.233 --> 16:27.466 align:left position:20% line:83% size:70%
A front wheel drive

16:28.633 --> 16:28.933 align:left position:20% line:83% size:70%
going to be on the
front of you right here.

16:30.100 --> 16:31.533 align:left position:20% line:83% size:70%
The fresh oil in.
So you got your oil,

16:32.133 --> 16:32.733 align:left position:30% line:89% size:60%
your fresh oil.

16:33.900 --> 16:34.733 align:left position:10% line:83% size:80%
Make sure your oil go back
in the same

16:36.066 --> 16:37.033 align:left position:10% line:83% size:80%
not trying to find no other
place but that unit.

16:38.400 --> 16:39.900 align:left position:10% line:83% size:80%
If you don't know ask someone
where your oil goes at.

16:40.666 --> 16:41.100 align:left position:20% line:89% size:70%
Don't try to find it.

16:42.266 --> 16:42.666 align:left position:10% line:83% size:80%
So you place the oil here
and we normally

16:43.533 --> 16:43.800 align:left position:10% line:83% size:80%
when you check your manual.

16:45.166 --> 16:46.966 align:left position:10% line:83% size:80%
If your manual book say four,
you four put in it.

16:47.700 --> 16:48.766 align:left position:20% line:89% size:70%
Do not overflow it.

16:50.233 --> 16:51.933 align:left position:10% line:83% size:80%
Bennett> So is it better to have
a little less than too much?

16:53.066 --> 16:54.400 align:left position:30% line:83% size:60%
Lancaster>
Always less to have less.

16:55.800 --> 16:57.900 align:left position:10% line:83% size:80%
Never want to get too much
because you got pressure,

16:59.366 --> 17:01.900 align:left position:10% line:83% size:80%
and pressure can cause your
engine really to get overheated.

17:02.966 --> 17:03.966 align:left position:20% line:83% size:70%
And also may cause
some problems,

17:05.300 --> 17:06.866 align:left position:20% line:83% size:70%
such as blowing out
from your valve cover gasket

17:07.900 --> 17:09.233 align:left position:20% line:83% size:70%
and then you will
not realize it,

17:10.000 --> 17:10.633 align:left position:20% line:83% size:70%
if you did. And so,...

17:11.833 --> 17:12.800 align:left position:30% line:83% size:60%
about six months
down the line if your car starts

17:13.866 --> 17:14.433 align:left position:30% line:83% size:60%
acting up as far
as it's overheating.

17:15.600 --> 17:17.100 align:left position:20% line:83% size:70%
Say check your oil
and you say, oil, in it,

17:18.200 --> 17:18.600 align:left position:30% line:83% size:60%
but you realize
that you put too much

17:19.633 --> 17:19.800 align:left position:20% line:83% size:70%
and the car already
overheated

17:21.033 --> 17:21.366 align:left position:10% line:83% size:80%
it's going to throw everything
back out again.

17:22.733 --> 17:24.700 align:left position:10% line:83% size:80%
Bennett> Okay. So, you just
put the oil in there,

17:25.866 --> 17:26.066 align:left position:20% line:83% size:70%
making sure you got
the right amount.

17:27.566 --> 17:27.700 align:left position:10% line:83% size:80%
Lancaster> Right, and when you
get through with that make sure

17:28.966 --> 17:30.233 align:left position:20% line:83% size:70%
your car's on a level
like this one here is.

17:31.433 --> 17:33.033 align:left position:20% line:83% size:70%
So when you place oil
back in your car,

17:34.233 --> 17:34.666 align:left position:10% line:83% size:80%
or whatever your book manual
tell you to do,

17:35.533 --> 17:36.633 align:left position:10% line:83% size:80%
clean your stick off real good.

17:37.533 --> 17:38.466 align:left position:10% line:83% size:80%
Real goo clean your stick off

17:39.100 --> 17:39.333 align:left position:30% line:89% size:60%
with your rag,

17:39.966 --> 17:41.400 align:left position:30% line:89% size:60%
excuse my hand

17:42.900 --> 17:43.566 align:left position:10% line:83% size:80%
then you see if the sign says
full right on the line here

17:44.800 --> 17:45.533 align:left position:10% line:83% size:80%
I don't know if you can see it,
Bennett> Yeah.

17:47.033 --> 17:49.066 align:left position:10% line:83% size:80%
Lancaster> Then you want to
go back here, facing the car.

17:50.233 --> 17:51.800 align:left position:10% line:83% size:80%
And so he's back down here.

17:52.933 --> 17:54.033 align:left position:20% line:83% size:70%
Make sure it goes
all the way down.

17:55.166 --> 17:56.600 align:left position:20% line:83% size:70%
all the way down,
then come back up

17:57.333 --> 17:57.833 align:left position:20% line:83% size:70%
and then look at it.

17:58.533 --> 17:59.066 align:left position:20% line:83% size:70%
Then it says full.

18:00.300 --> 18:00.433 align:left position:20% line:83% size:70%
Bennett> It's really
a simple process.

18:01.666 --> 18:02.700 align:left position:20% line:83% size:70%
Lancaster> Yes. Yeah.
Very simple process.

18:03.933 --> 18:06.600 align:left position:20% line:83% size:70%
Save a lot of money,
by doing it yourself.

18:08.100 --> 18:09.100 align:left position:10% line:83% size:80%
Bennett> Changing the oil in
your car is a simple process.

18:10.300 --> 18:11.666 align:left position:30% line:83% size:60%
But of course,
you need to know your car

18:12.400 --> 18:13.166 align:left position:20% line:89% size:70%
to do the job right,

18:14.100 --> 18:15.400 align:left position:30% line:83% size:60%
and you'll need
some basic tools

18:16.300 --> 18:17.166 align:left position:10% line:89% size:80%
and even in these tight times,

18:18.233 --> 18:19.666 align:left position:30% line:83% size:60%
we must learn to
pay ourselves first.

18:21.033 --> 18:23.366 align:left position:10% line:83% size:80%
Establishing a savings account
is a must for all of us.

18:24.400 --> 18:24.966 align:left position:30% line:83% size:60%
Experts tell us
we need to have an

18:26.166 --> 18:27.600 align:left position:30% line:83% size:60%
amount equal
to a minimum of three months

18:28.533 --> 18:30.033 align:left position:30% line:83% size:60%
living expenses
in our savings.

18:31.400 --> 18:32.400 align:left position:10% line:83% size:80%
Wilson> As a rule of thumb,
a person needs to look

18:33.700 --> 18:36.666 align:left position:10% line:83% size:80%
at least 10% of their gross
income per month.

18:37.500 --> 18:37.966 align:left position:10% line:83% size:80%
That is, before any taxes

18:39.066 --> 18:40.433 align:left position:20% line:83% size:70%
or anything come out
at least 10%.

18:41.966 --> 18:44.166 align:left position:10% line:83% size:80%
Now, Mary, how can I take 10%
of my income and put it aside?

18:45.233 --> 18:46.366 align:left position:20% line:83% size:70%
Starting very gradually
and starting

18:47.566 --> 18:48.500 align:left position:20% line:83% size:70%
with the first step,
which would be crawling,

18:50.000 --> 18:52.766 align:left position:10% line:83% size:80%
I will suggest that a person
put aside 1% of that paycheck.

18:53.466 --> 18:53.900 align:left position:20% line:89% size:70%
The next paycheck,

18:54.633 --> 18:56.566 align:left position:20% line:89% size:70%
attempt to put aside 2%,

18:57.900 --> 19:00.266 align:left position:20% line:83% size:70%
the next paycheck
to put aside 3%, and so forth.

19:01.366 --> 19:02.766 align:left position:30% line:83% size:60%
Getting into
some positive habits,

19:03.800 --> 19:04.633 align:left position:40% line:83% size:50%
payroll
deduction is always good.

19:05.233 --> 19:05.800 align:left position:30% line:89% size:60%
A lot of people,

19:07.000 --> 19:07.466 align:left position:20% line:83% size:70%
if you don't touch it
and don't see it,

19:08.566 --> 19:09.466 align:left position:20% line:83% size:70%
you might let it stay
a little longer.

19:10.366 --> 19:10.633 align:left position:40% line:83% size:50%
Bennett>
Robert Squirewell,

19:11.666 --> 19:13.033 align:left position:20% line:83% size:70%
takes financial planning
seriously.

19:14.333 --> 19:16.700 align:left position:20% line:83% size:70%
A young family man he's
been saving for many years

19:18.066 --> 19:19.766 align:left position:10% line:83% size:80%
Squirewell> In terms of savings,
things that I've done,

19:20.800 --> 19:21.433 align:left position:20% line:83% size:70%
automatic savings
that come out of

19:22.933 --> 19:25.533 align:left position:10% line:83% size:80%
your paycheck, things that you
don't see, are a great help,

19:26.866 --> 19:29.500 align:left position:20% line:83% size:70%
joining a credit union,
investing in savings bonds,

19:30.800 --> 19:32.433 align:left position:20% line:83% size:70%
and investing in company
stock plans, those things.

19:33.833 --> 19:35.566 align:left position:10% line:83% size:80%
We have a tendency to live off
of what we bring home,

19:36.166 --> 19:36.466 align:left position:30% line:89% size:60%
what we see.

19:37.566 --> 19:38.366 align:left position:30% line:83% size:60%
If you never
put your hands on it,

19:39.566 --> 19:40.300 align:left position:30% line:83% size:60%
then you won't
have a problem with that.

19:41.400 --> 19:42.733 align:left position:40% line:83% size:50%
Bennett>
These difficult economic times

19:43.900 --> 19:44.766 align:left position:30% line:83% size:60%
seemingly
will be with us for a while,

19:46.066 --> 19:47.800 align:left position:10% line:83% size:80%
but with or without times
like these, suggestions

19:49.000 --> 19:51.533 align:left position:10% line:83% size:80%
from saving to bartering are
good ideas.

19:52.133 --> 19:53.200 align:left position:30% line:89% size:60%
For the Caravan,

19:53.966 --> 19:56.600 align:left position:20% line:89% size:70%
I'm Patricia Bennett.

19:57.033 --> 19:58.600 align:left position:40% line:89% size:50%
♪

20:00.033 --> 20:00.833 align:left position:10% line:83% size:80%
Terrell> Jim, I like that
suggestion about bartering.

20:02.066 --> 20:03.266 align:left position:10% line:83% size:80%
How about trading a nice full
shot of you

20:04.033 --> 20:04.633 align:left position:20% line:89% size:70%
on the Job Man Caravan

20:05.900 --> 20:06.833 align:left position:20% line:83% size:70%
for this free haircut.
Jim> Not today, Bill.

20:07.900 --> 20:08.533 align:left position:30% line:83% size:60%
Terrell> Oh oh!
I figured he'd say that.

20:09.666 --> 20:10.400 align:left position:30% line:83% size:60%
While here at
Tolliver's Mane Event,

20:11.733 --> 20:12.633 align:left position:10% line:83% size:80%
we asked some of the people
how they are coping

20:13.700 --> 20:14.233 align:left position:20% line:83% size:70%
during these hard
economic times

20:14.966 --> 20:15.700 align:left position:20% line:83% size:70%
and some suggestions

20:16.900 --> 20:18.566 align:left position:30% line:83% size:60%
for bettering
their financial situation.

20:19.766 --> 20:19.900 align:left position:20% line:83% size:70%
Barber #1> One of the
things I have done

20:21.033 --> 20:21.166 align:left position:30% line:83% size:60%
as far first,
cut back on expenses.

20:22.466 --> 20:25.233 align:left position:10% line:83% size:80%
I have did an inventory of
myself, and I looked

20:26.666 --> 20:27.033 align:left position:10% line:83% size:80%
at the things that I needed
and things I didn't need.

20:28.333 --> 20:28.700 align:left position:10% line:83% size:80%
one of the things I found
that I really didn't

20:29.933 --> 20:31.733 align:left position:20% line:83% size:70%
need at this present
time is charge cards.

20:33.033 --> 20:34.800 align:left position:10% line:83% size:80%
I have several charge cards,
but I have tore up

20:35.900 --> 20:36.533 align:left position:20% line:83% size:70%
all of them except one,
a Master charge,

20:37.766 --> 20:38.633 align:left position:20% line:83% size:70%
and I only use that
only on emergencies.

20:40.133 --> 20:43.066 align:left position:10% line:83% size:80%
Barber #2> I think what we need
to do is, stick with the basics.

20:44.233 --> 20:46.133 align:left position:20% line:83% size:70%
I myself, who have
never been one to,

20:47.066 --> 20:49.333 align:left position:10% line:89% size:80%
live a very extravagant life.

20:50.566 --> 20:52.833 align:left position:30% line:83% size:60%
I have, somewhat
try to live within my means.

20:54.066 --> 20:55.400 align:left position:10% line:83% size:80%
What happens to a lot of us
is that we will,

20:56.600 --> 20:58.733 align:left position:20% line:83% size:70%
make one paycheck
and end up spending two.

21:00.166 --> 21:00.600 align:left position:10% line:83% size:80%
Barber #3> Some of the things
that we need to do

21:01.966 --> 21:03.266 align:left position:20% line:83% size:70%
is definitely stay out
of these department stores,

21:04.500 --> 21:05.333 align:left position:30% line:83% size:60%
you know, cut
back on these credit cards.

21:06.700 --> 21:08.033 align:left position:20% line:83% size:70%
You know, it's not easy
to deny yourself of something

21:09.333 --> 21:10.433 align:left position:20% line:83% size:70%
when you think that
you rightfully deserve it.

21:11.266 --> 21:12.466 align:left position:10% line:89% size:80%
But in anything, you know,

21:13.700 --> 21:15.133 align:left position:30% line:83% size:60%
you have to make
some sacrifices along the way.

21:16.400 --> 21:19.100 align:left position:30% line:83% size:60%
So those areas
we must cut back on, you know,

21:19.966 --> 21:20.833 align:left position:10% line:89% size:80%
and try and save some money,

21:21.933 --> 21:22.866 align:left position:30% line:83% size:60%
if is no more
than a dollar a day.

21:24.100 --> 21:24.566 align:left position:20% line:83% size:70%
Terrell> We're thankful
for those suggestions

21:25.633 --> 21:26.966 align:left position:30% line:83% size:60%
on the Caravan,
where we now take a look

21:28.066 --> 21:28.833 align:left position:30% line:83% size:60%
at a possible
career opportunity.

21:29.266 --> 21:32.833 align:left position:40% line:89% size:50%
♪

21:34.300 --> 21:35.800 align:left position:10% line:83% size:80%
Bennett> "Just do it", the
commercials tell us, "Get fit"

21:36.533 --> 21:37.700 align:left position:20% line:89% size:70%
and more of us are.

21:38.733 --> 21:39.400 align:left position:20% line:83% size:70%
But for many of us
to get going

21:40.566 --> 21:41.700 align:left position:20% line:83% size:70%
and to keep going,
we need motivators.

21:42.566 --> 21:43.600 align:left position:10% line:89% size:80%
We need professional help.

21:44.700 --> 21:45.400 align:left position:30% line:83% size:60%
And today,
more and more careers

21:46.266 --> 21:47.166 align:left position:10% line:89% size:80%
in fitness are opening up.

21:48.300 --> 21:49.366 align:left position:30% line:83% size:60%
Dr. Russel Pate>
Virtually every adult,

21:50.100 --> 21:52.366 align:left position:20% line:89% size:70%
it's 99% of adults

21:53.000 --> 21:53.233 align:left position:30% line:89% size:60%
report that

21:54.000 --> 21:54.433 align:left position:20% line:89% size:70%
that they consider,

21:55.533 --> 21:57.633 align:left position:20% line:83% size:70%
exercise to be important
to their health.

21:58.966 --> 22:00.733 align:left position:10% line:83% size:80%
But we know that, an awful
lot of those same people

22:01.466 --> 22:02.100 align:left position:20% line:89% size:70%
don't get much exercise.

22:03.266 --> 22:06.233 align:left position:20% line:83% size:70%
And so, that says to me
that, people sense

22:06.933 --> 22:07.800 align:left position:20% line:83% size:70%
the need for this

22:08.900 --> 22:09.400 align:left position:20% line:83% size:70%
there are many of them
that are not

22:10.566 --> 22:11.800 align:left position:30% line:83% size:60%
quite sure
how to deal with that need.

22:12.700 --> 22:13.800 align:left position:10% line:89% size:80%
And, we feel that our students

22:14.633 --> 22:15.500 align:left position:10% line:89% size:80%
are prepared to help them.

22:16.566 --> 22:17.900 align:left position:30% line:83% size:60%
Mark Backus>
There are a number,

22:19.000 --> 22:20.733 align:left position:20% line:83% size:70%
a good number of career
possibilities

22:21.966 --> 22:24.466 align:left position:20% line:83% size:70%
in health and fitness,
now and definitely more

22:25.166 --> 22:25.866 align:left position:20% line:83% size:70%
so in the future,

22:27.366 --> 22:30.066 align:left position:10% line:83% size:80%
because the fitness boom is
something that has taken hold

22:31.266 --> 22:32.233 align:left position:20% line:83% size:70%
and I don't foresee it's
going to loosen up.

22:33.433 --> 22:34.166 align:left position:20% line:83% size:70%
Bennett> Mark Backus
is a fitness instructor

22:35.466 --> 22:37.200 align:left position:20% line:83% size:70%
for a corporation
in Columbia, South Carolina.

22:38.466 --> 22:39.400 align:left position:30% line:83% size:60%
Colonial Life
Insurance has a comprehensive

22:40.433 --> 22:41.333 align:left position:30% line:83% size:60%
fitness program
for its employees,

22:42.700 --> 22:44.233 align:left position:10% line:83% size:80%
including aerobics classes.
Throughout the country

22:45.433 --> 22:46.666 align:left position:10% line:83% size:80%
corporations are realizing
the importance

22:47.700 --> 22:49.566 align:left position:20% line:83% size:70%
of fitness programs for
employees.

22:51.000 --> 22:52.866 align:left position:10% line:83% size:80%
Backus> Companies such as
Colonial Life and Accident

22:53.600 --> 22:54.033 align:left position:20% line:89% size:70%
Insurance Company,

22:55.333 --> 22:56.866 align:left position:20% line:83% size:70%
which I work for also
are getting definitely

22:57.633 --> 22:59.066 align:left position:20% line:83% size:70%
into the fitness craze.

22:59.866 --> 23:00.300 align:left position:20% line:83% size:70%
They realize that it's

23:01.633 --> 23:03.500 align:left position:10% line:83% size:80%
a big boom to their business
to keep their employees

23:04.100 --> 23:05.200 align:left position:30% line:89% size:60%
healthy and fit.

23:06.666 --> 23:08.700 align:left position:10% line:83% size:80%
The opportunity for exercise
physiologist to be employed,

23:10.033 --> 23:11.666 align:left position:20% line:83% size:70%
yet the opportunity for
nutritionist to be employed

23:12.533 --> 23:13.266 align:left position:10% line:89% size:80%
aerobics instructors again,

23:14.233 --> 23:15.400 align:left position:40% line:83% size:50%
and also
aerobic coordinators.

23:16.800 --> 23:17.266 align:left position:10% line:83% size:80%
Bennett> The option to become
a fitness professional

23:17.966 --> 23:19.033 align:left position:20% line:89% size:70%
is relatively new.

23:20.266 --> 23:21.266 align:left position:20% line:83% size:70%
Up until recent years,
training for these jobs

23:22.100 --> 23:23.300 align:left position:10% line:89% size:80%
has been rather haphazard.

23:24.533 --> 23:26.866 align:left position:20% line:83% size:70%
But today one can major
in fitness in college.

23:28.000 --> 23:28.833 align:left position:20% line:83% size:70%
At the University
of South Carolina,

23:29.966 --> 23:30.466 align:left position:20% line:83% size:70%
the majors come under
the Department

23:31.200 --> 23:32.433 align:left position:20% line:83% size:70%
of Exercise Science.

23:33.766 --> 23:36.333 align:left position:10% line:83% size:80%
Professor> There is, much
increased demand for,

23:37.300 --> 23:39.033 align:left position:30% line:83% size:60%
professionally
trained persons

23:40.100 --> 23:42.900 align:left position:30% line:83% size:60%
to deliver,
those exercise programs,

23:44.200 --> 23:45.733 align:left position:10% line:83% size:80%
our undergraduate program
in exercise science is,

23:47.200 --> 23:50.833 align:left position:10% line:83% size:80%
is designed to prepare those
people, persons who can go into,

23:52.066 --> 23:55.300 align:left position:20% line:83% size:70%
really quite a wide
range of settings and,

23:56.200 --> 23:57.200 align:left position:10% line:89% size:80%
evaluate persons with regard

23:57.966 --> 23:58.433 align:left position:20% line:89% size:70%
to their, their current

23:59.833 --> 24:02.600 align:left position:10% line:83% size:80%
physical activity and physical
fitness and design,

24:03.200 --> 24:03.833 align:left position:30% line:89% size:60%
appropriate,

24:05.133 --> 24:08.033 align:left position:20% line:83% size:70%
safe and effective
exercise programs for them.

24:09.100 --> 24:09.533 align:left position:30% line:83% size:60%
Bennett> Fitness
professionals are needed

24:10.633 --> 24:11.733 align:left position:30% line:83% size:60%
in many areas,
both public and private,

24:12.833 --> 24:13.700 align:left position:30% line:83% size:60%
and you can make
your own opportunity,

24:14.433 --> 24:15.033 align:left position:20% line:89% size:70%
like Wanda Bamberg.

24:15.466 --> 24:17.233 align:left position:40% line:89% size:50%
♪

24:18.066 --> 24:20.400 align:left position:10% line:89% size:80%
Just call her Wanda Woman.

24:21.500 --> 24:24.000 align:left position:30% line:83% size:60%
Wanda Bamberg>
Getting myself in shape,

24:25.066 --> 24:26.966 align:left position:20% line:83% size:70%
and then being able
to share it,

24:28.166 --> 24:29.100 align:left position:20% line:83% size:70%
that's the whole mindset
behind Wanda Woman.

24:30.400 --> 24:31.633 align:left position:20% line:83% size:70%
Bennett> Wanda Bamberg,
a Columbia, South Carolina

24:32.800 --> 24:33.966 align:left position:20% line:83% size:70%
native, is the co-owner
operator of Wanda

24:35.266 --> 24:38.000 align:left position:20% line:83% size:70%
Woman dance and exercise
studio in Washington, D.C.

24:39.333 --> 24:41.000 align:left position:20% line:83% size:70%
She began her fitness
career over ten years ago.

24:42.500 --> 24:44.400 align:left position:10% line:83% size:80%
She says she's always known
what she wanted to do, to work

24:45.500 --> 24:47.900 align:left position:30% line:83% size:60%
for herself
and to stay in shape.

24:49.300 --> 24:51.266 align:left position:10% line:83% size:80%
Wanda believes Wonder Woman
Studios

24:52.100 --> 24:53.600 align:left position:10% line:83% size:80%
has a special atmosphere.

24:54.833 --> 24:57.233 align:left position:20% line:83% size:70%
Bamberg> Very special,
I think, that's what

24:58.566 --> 25:00.466 align:left position:20% line:83% size:70%
keep from our members
coming on a regular basis

25:01.900 --> 25:03.466 align:left position:10% line:83% size:80%
and keep them bringing all
their friends to the studio.

25:04.933 --> 25:07.066 align:left position:10% line:83% size:80%
Many, many times they tell us
that it is the atmosphere.

25:08.133 --> 25:09.266 align:left position:20% line:83% size:70%
It's the camaraderie
of the members.

25:10.000 --> 25:10.600 align:left position:20% line:83% size:70%
People enjoy the music.

25:11.033 --> 25:11.833 align:left position:40% line:89% size:50%
♪

25:12.866 --> 25:14.300 align:left position:40% line:83% size:50%
Bennett>
Well, that's very obvious.

25:14.733 --> 25:19.400 align:left position:40% line:83% size:50%
♪

25:20.566 --> 25:23.800 align:left position:20% line:83% size:70%
Antoinette McLeod
is Wanda's partner.

25:24.233 --> 25:24.966 align:left position:40% line:89% size:50%
♪

25:26.300 --> 25:27.700 align:left position:10% line:83% size:80%
McLeod> We try to promote
the holistic approach

25:28.466 --> 25:28.900 align:left position:20% line:89% size:70%
to health and fitness.

25:30.033 --> 25:30.966 align:left position:30% line:83% size:60%
It is not only
on the physical plane,

25:31.933 --> 25:32.733 align:left position:30% line:83% size:60%
but it is also
on the spiritual

25:33.666 --> 25:35.200 align:left position:20% line:83% size:70%
and the emotional plane
as well.

25:36.266 --> 25:38.833 align:left position:20% line:83% size:70%
So we try to pull it
all together

25:39.866 --> 25:40.933 align:left position:20% line:83% size:70%
so you can look good
outwardly,

25:41.833 --> 25:42.400 align:left position:10% line:89% size:80%
but you also have to look good

25:43.600 --> 25:45.100 align:left position:10% line:83% size:80%
and feel good on the inside
about yourself.

25:46.600 --> 25:49.733 align:left position:10% line:83% size:80%
We try to promote the ladies
feeling good about themselves

25:51.066 --> 25:53.333 align:left position:20% line:83% size:70%
and doing and becoming
the best that they can be.

25:53.766 --> 25:55.300 align:left position:40% line:89% size:50%
♪

25:56.500 --> 25:57.800 align:left position:10% line:83% size:80%
Bennett> Today, fitness is
definitely in

25:59.000 --> 26:00.400 align:left position:30% line:83% size:60%
and the trend
seems likely to continue,

26:01.666 --> 26:02.300 align:left position:10% line:83% size:80%
but a career as a fitness
professional means

26:03.533 --> 26:05.333 align:left position:20% line:83% size:70%
more than being able
to move to the groove.

26:06.466 --> 26:07.266 align:left position:20% line:83% size:70%
You have to understand
the human body

26:07.966 --> 26:08.200 align:left position:20% line:83% size:70%
so that the people

26:09.233 --> 26:09.633 align:left position:20% line:83% size:70%
who entrust their
wellness to you

26:10.833 --> 26:12.766 align:left position:30% line:83% size:60%
aren't harmed
by your lack of knowledge.

26:13.700 --> 26:15.233 align:left position:30% line:83% size:60%
In Washington DC
for the Caravan,

26:16.000 --> 26:16.766 align:left position:20% line:89% size:70%
I'm Patricia Bennett.

26:17.200 --> 26:21.033 align:left position:40% line:89% size:50%
♪

26:23.966 --> 26:24.900 align:left position:40% line:89% size:50%
♪

26:25.933 --> 26:27.600 align:left position:30% line:83% size:60%
Jim> > Bill, see
if I did my usual.

26:28.866 --> 26:29.000 align:left position:20% line:83% size:70%
Terrell> Good job.
I got only one complaint.

26:29.700 --> 26:30.066 align:left position:20% line:83% size:70%
Jim> What's that?

26:31.100 --> 26:31.933 align:left position:40% line:83% size:50%
Terrell>
You cut my part too wide.

26:32.966 --> 26:33.666 align:left position:30% line:83% size:60%
Jim> I'll do
better next time.

26:34.700 --> 26:35.000 align:left position:20% line:83% size:70%
Terrell> Please do.
Jim> Okay.

26:36.333 --> 26:36.833 align:left position:20% line:83% size:70%
Terrell> I'm afraid
that's all the time we have

26:37.566 --> 26:38.333 align:left position:20% line:83% size:70%
for this week's program.

26:38.933 --> 26:39.600 align:left position:30% line:89% size:60%
Until next week,

26:41.066 --> 26:42.200 align:left position:10% line:83% size:80%
I'm Bill Terrell, on behalf
of the staff of the Caravan,

26:43.400 --> 26:45.700 align:left position:10% line:83% size:80%
we love you and we thank you
for joining us.

26:46.466 --> 26:46.666 align:left position:20% line:89% size:70%
Another good job, Jim

26:47.433 --> 26:47.900 align:left position:20% line:89% size:70%
Jim> Thank you, Bill.

26:48.333 --> 26:51.400 align:left position:40% line:89% size:50%
♪

26:52.700 --> 26:52.833 align:left position:20% line:83% size:70%
Melvin Whitfield>
The other thing that we did,

26:54.266 --> 26:56.133 align:left position:10% line:83% size:80%
we developed flexible joints
on our doll arms and legs.

26:57.200 --> 26:57.633 align:left position:20% line:83% size:70%
Because in testing
the dolls out,

26:59.000 --> 27:00.300 align:left position:10% line:83% size:80%
the first thing to pop loose
is the arm or the leg.

27:01.666 --> 27:02.733 align:left position:10% line:83% size:80%
We wanted a product that would
last for several years.

27:04.133 --> 27:05.500 align:left position:10% line:83% size:80%
So out of that, we came up
with the name Baby Whitney

27:06.100 --> 27:07.300 align:left position:30% line:89% size:60%
for Witty Kids.

27:08.733 --> 27:10.400 align:left position:10% line:83% size:80%
Bennett> Paying up to 21%
interest on credit card charges

27:11.433 --> 27:13.033 align:left position:20% line:83% size:70%
is wreaking havoc
on your budget.

27:14.100 --> 27:14.566 align:left position:30% line:83% size:60%
And if you've
got several cards,

27:15.300 --> 27:16.400 align:left position:20% line:89% size:70%
get rid of most of them.

27:17.800 --> 27:19.566 align:left position:10% line:83% size:80%
Having fewer credit cards
will mean less temptation,

27:20.866 --> 27:22.733 align:left position:20% line:83% size:70%
and your credit picture
will actually look better.

27:23.800 --> 27:26.000 align:left position:40% line:83% size:50%
Wilson>
In 1985, the representative

27:26.933 --> 27:28.466 align:left position:40% line:83% size:50%
who were
on the banking committee

27:29.666 --> 27:30.966 align:left position:20% line:83% size:70%
said every credit card
should be burned.

27:32.033 --> 27:33.400 align:left position:30% line:83% size:60%
Bennett> Today,
fitness is definitely in

27:34.600 --> 27:36.000 align:left position:30% line:83% size:60%
and the trend
seems likely to continue.

27:37.266 --> 27:37.933 align:left position:10% line:83% size:80%
But a career as a fitness
professional means

27:39.166 --> 27:41.000 align:left position:20% line:83% size:70%
more than being able
to move to the groove.

27:42.266 --> 27:43.133 align:left position:20% line:83% size:70%
You have to understand
the human body so that

27:44.400 --> 27:45.333 align:left position:20% line:83% size:70%
the people who entrust
their wellness to you

27:46.533 --> 27:47.566 align:left position:30% line:83% size:60%
aren't harmed
by your lack of knowledge.

27:48.000 --> 27:48.133 align:left position:40% line:89% size:50%
♪