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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,

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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.

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Then once we get A,

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which is a consumer debt,

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along with B, which is your 
a living expense,

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we measure that against C, 
which is the income.

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This is where the problem 
comes in.

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Not enough income to cover 
both those obligations.

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Bennett> 
So what does a person do

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when they don't 
have enough income

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to cover the obligations? 
Wilson> It's time then

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to do a complete assessment 
of a situation.

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Do we have creditors

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that can take reduced 
or lowered payments?

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What can we do 
with the living expense

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to reduce the overall 
month to month

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or day to day expenses?

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Bennett> Today, most financial 
experts will tell you

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to get rid of as much credit 
card debt as possible.

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Paying up to 21%

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interest on credit card charges

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is wreaking 
havoc on your budget.

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And if you've 
got several cards,

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get rid of most of them.

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Having fewer credit cards 
will mean less temptation,

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and your credit picture 
will actually look better.

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Wilson> In 1985, the 
representatives

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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

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totally an unhandle-able 
situation

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and that has occurred.

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I would suggest to people, 
number one,

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they need to start eliminating 
their credit debt.

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As one representative 
said, hold the credit card

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up to the mirror 
beside your face

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and say, 
who is in control here?

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You know, 
make a realistic thing here.

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Is the plastic 
in control or you?

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Obviously with $704 
billion worth of consumer debt,

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the credit cards 
have taken over control.

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So being able to stop, 
look at a situation,

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make some decisions, 
start eliminating cards

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because it's not 
paying off debt

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when you pay minimum payments 
for approximately

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3 or 4 months 
and then turn right

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back around 
and use the credit card again,

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the balance is right back 
where it was,

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with interest rate at 21.9%, 
and you're only paying

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a very minimum, say, 
3% of that debt.

254
00:10:32,300 --> 00:10:33,033
Then half of the payments

255
00:10:34,500 --> 00:10:35,600
you're making is interest, 
and the only the other half

256
00:10:36,600 --> 00:10:37,400
is going 
against the principle.

257
00:10:38,900 --> 00:10:40,600
This is why the debt is not 
coming down any whatsoever.

258
00:10:41,500 --> 00:10:41,933
It's like a revolving door.

259
00:10:43,366 --> 00:10:45,100
Bennett> Credit has gotten 
a lot of us into trouble.

260
00:10:46,433 --> 00:10:46,933
We are stretched beyond our 
financial limits,

261
00:10:48,333 --> 00:10:50,233
as indicated by the increased 
number of bankruptcies.

262
00:10:51,566 --> 00:10:53,266
But bankruptcy should be 
the absolute last option.

263
00:10:54,400 --> 00:10:55,700
If possible, try to work 
something out

264
00:10:56,466 --> 00:10:57,000
with your creditors.

265
00:10:58,300 --> 00:10:58,966
Wilson> Creditors 
will work with consumers.

266
00:11:00,333 --> 00:11:00,700
I have been with consumer 
credit counseling

267
00:11:01,400 --> 00:11:02,366
now for 13 years.

268
00:11:03,733 --> 00:11:04,766
I have had very few creditors 
who said, no, Mary,

269
00:11:05,900 --> 00:11:06,766
we can't do this, 
we won't do this.

270
00:11:07,700 --> 00:11:09,366
But it has to be 
a workable plan.

271
00:11:10,500 --> 00:11:11,333
This is where 
the problem comes in.

272
00:11:12,433 --> 00:11:13,133
When you start 
making promises like

273
00:11:13,833 --> 00:11:14,733
"Yes, sir. No sir"

274
00:11:15,933 --> 00:11:17,233
"I can work with you 
at X number of dollars."

275
00:11:18,466 --> 00:11:19,100
You proceed with this 
for a month or two,

276
00:11:20,333 --> 00:11:21,600
and because the plan is not 
well laid out,

277
00:11:23,100 --> 00:11:24,266
then suddenly you're saying 
I can't pay again this month,

278
00:11:25,000 --> 00:11:25,500
then they have problems

279
00:11:26,966 --> 00:11:29,733
because you've made promises 
and commitments in the past.

280
00:11:30,333 --> 00:11:30,800
If you sit down,

281
00:11:32,100 --> 00:11:33,133
do the assessment 
with the credit obligation,

282
00:11:34,166 --> 00:11:35,500
do your analysis 
of your financial

283
00:11:36,833 --> 00:11:38,266
on your living expense basis, 
then come up with

284
00:11:39,733 --> 00:11:41,000
I have X number of creditors. 
I owe X number of dollars

285
00:11:42,233 --> 00:11:43,700
to and get a feasible amount 
to each one.

286
00:11:45,033 --> 00:11:46,033
When I say feasible, 
it is not feasible to say,

287
00:11:47,366 --> 00:11:49,400
"I can only pay you $10 
on a $2,000 credit card."

288
00:11:50,933 --> 00:11:52,600
Bennett> The challenge is to do 
the best with what you've got.

289
00:11:53,666 --> 00:11:54,600
But if ends still 
are not meeting,

290
00:11:56,066 --> 00:11:58,100
finding additional sources 
of income may be necessary.

291
00:11:59,200 --> 00:12:00,366
Essie Perkins turned her 
love of hats

292
00:12:01,233 --> 00:12:02,200
into a moneymaking venture.

293
00:12:03,433 --> 00:12:05,100
Essie Perkins> I started in 87 
as a hobby.

294
00:12:07,033 --> 00:12:08,466
The reason 
I started at the time was

295
00:12:09,933 --> 00:12:12,900
because I was getting ready 
for a special occasion, church,

296
00:12:14,266 --> 00:12:16,600
and I had searched all over 
looking for something

297
00:12:17,833 --> 00:12:19,033
that was going 
to make me make a statement,

298
00:12:19,766 --> 00:12:21,333
and I could find it.

299
00:12:22,666 --> 00:12:23,400
So I said, well, I know what 
I'm going to design

300
00:12:24,000 --> 00:12:24,633
and make my own.

301
00:12:25,666 --> 00:12:25,933
Bennett> 
This is my favorite color.

302
00:12:26,833 --> 00:12:27,433
Perkins> Yeah, that's pretty.

303
00:12:28,733 --> 00:12:29,066
You know what, Pat? you're going 
to like how look.

304
00:12:30,133 --> 00:12:30,400
When you see it, 
you're going to say,

305
00:12:31,133 --> 00:12:32,666
Oh, I got to call Essie.

306
00:12:33,900 --> 00:12:35,333
Tell Essie, how well I look. 
I didn't know

307
00:12:36,100 --> 00:12:36,933
I can look that good.

308
00:12:38,100 --> 00:12:38,633
Bennett> Ms. Perkins says 
it can take her

309
00:12:39,333 --> 00:12:39,966
from 1 to 3 hours

310
00:12:41,133 --> 00:12:43,366
to complete a hat, 
but no two are the same.

311
00:12:44,600 --> 00:12:47,200
A customer can request 
a particular design

312
00:12:48,533 --> 00:12:51,066
or allow Ms Perkins' 
creativity to take charge.

313
00:12:52,166 --> 00:12:52,933
Perkins> 
This is my first year full time.

314
00:12:54,300 --> 00:12:57,933
I just retired this June 
and now I'm going full time.

315
00:12:59,400 --> 00:13:02,500
I am also selling hats to 
my second location in Maryland.

316
00:13:03,600 --> 00:13:05,000
Bennett> 
Hats by Essie came into being

317
00:13:06,166 --> 00:13:07,600
because Ms Perkins 
believes you should

318
00:13:08,366 --> 00:13:09,500
Perkins> Try anything

319
00:13:10,133 --> 00:13:11,000
that you think

320
00:13:12,300 --> 00:13:13,600
will be something 
that you might enjoy doing,

321
00:13:14,700 --> 00:13:15,333
because you might have 
a hidden talent

322
00:13:16,566 --> 00:13:17,466
there and talent there 
and do not know it.

323
00:13:18,200 --> 00:13:19,700
So try give it a go.

324
00:13:21,133 --> 00:13:22,800
Bennett> Another source of 
income might be a part time job.

325
00:13:24,033 --> 00:13:25,066
Some businesses known 
to hire part timers

326
00:13:25,966 --> 00:13:27,133
include retail establishments,

327
00:13:28,300 --> 00:13:30,066
grocery stores, 
and fast food restaurants.

328
00:13:31,533 --> 00:13:33,233
An age old practice which 
could save money is bartering.

329
00:13:34,300 --> 00:13:34,733
In certain 
parts of the country,

330
00:13:35,766 --> 00:13:37,266
bartering is again 
getting popular.

331
00:13:38,500 --> 00:13:39,566
It's a system whereby 
money is not exchanged,

332
00:13:40,400 --> 00:13:42,600
but services or items are.

333
00:13:43,933 --> 00:13:44,200
Farihah Bakr> Everybody has 
something to offer.

334
00:13:45,366 --> 00:13:46,166
We all are 
blessed with certain skills

335
00:13:47,466 --> 00:13:48,500
and certain talents, 
you know, certain services

336
00:13:49,733 --> 00:13:50,800
and goods that we can provide 
each other,

337
00:13:52,166 --> 00:13:53,900
you know, and we can do this 
without having to deal

338
00:13:54,633 --> 00:13:55,466
with money at all.

339
00:13:56,966 --> 00:13:59,000
Bennett> Farihah has been 
bothering for many years now.

340
00:14:00,500 --> 00:14:02,366
Bakr> When my children were 
small, especially when I,

341
00:14:03,500 --> 00:14:05,533
used to trade 
babysitting services,

342
00:14:06,700 --> 00:14:07,800
you know, for other things, 
you know,

343
00:14:09,100 --> 00:14:11,466
whatever it might be like, 
maybe a basket of fruit,

344
00:14:12,666 --> 00:14:14,433
you know, or the groceries 
for this week.

345
00:14:15,833 --> 00:14:16,400
Bennett> Farihah says most of 
the bartering she does

346
00:14:17,000 --> 00:14:17,933
is with friends.

347
00:14:18,800 --> 00:14:19,700
Bakr> Amongst us, you know,

348
00:14:21,066 --> 00:14:23,333
we know that all of our needs 
are being taken care of.

349
00:14:24,366 --> 00:14:25,233
You know, 
somebody may bake bread,

350
00:14:26,333 --> 00:14:28,000
another person 
may be a seamstress.

351
00:14:29,033 --> 00:14:29,800
Somebody else does 
carpentry work,

352
00:14:31,033 --> 00:14:32,266
you know, somebody else 
has different skills,

353
00:14:33,600 --> 00:14:34,000
you know, that they 
are that they are providing.

354
00:14:34,433 --> 00:14:36,833
♪

355
00:14:38,033 --> 00:14:38,433
Bennett> Maybe you can set up a 
bartering system

356
00:14:39,200 --> 00:14:39,666
in your neighborhood.

357
00:14:40,833 --> 00:14:42,366
A good way to start, 
have a swap party,

358
00:14:43,700 --> 00:14:44,166
plan to get together 
for your friends and neighbors,

359
00:14:45,233 --> 00:14:46,233
where you trade 
what you don't need

360
00:14:47,000 --> 00:14:47,866
for what you do need.

361
00:14:48,700 --> 00:14:49,100
Another hurdle is learning

362
00:14:50,433 --> 00:14:52,566
to spend more wisely by 
taking care of what you have

363
00:14:53,333 --> 00:14:54,433
our cars, for example.

364
00:14:55,466 --> 00:14:56,033
Gerald Lancaster 
saved saves money

365
00:14:57,333 --> 00:14:58,700
by keeping his cars 
well maintained and doing

366
00:15:00,066 --> 00:15:01,800
most of the maintenance 
and minor repairs himself,

367
00:15:02,633 --> 00:15:03,566
changing oil, for example.

368
00:15:04,633 --> 00:15:06,933
He showed me how simple 
the process is.

369
00:15:07,966 --> 00:15:09,000
Lancaster> 
...you want to get here

370
00:15:09,933 --> 00:15:10,633
and see 
that you got enough room

371
00:15:12,133 --> 00:15:13,766
from your body to here to take 
to get underneath your car.

372
00:15:14,800 --> 00:15:14,966
So if you don't 
have enough room,

373
00:15:15,800 --> 00:15:16,166
you need to get you a jack

374
00:15:17,366 --> 00:15:19,433
and ... so you can 
get up underneath it.

375
00:15:20,766 --> 00:15:21,600
So once you do that, 
then you'll be able to see.

376
00:15:22,500 --> 00:15:23,466
Make sure your car is blocked.

377
00:15:24,500 --> 00:15:24,833
Make sure your car 
is not rolling.

378
00:15:26,033 --> 00:15:27,933
Block the car of the front 
and your back

379
00:15:29,033 --> 00:15:29,166
and make sure 
you car don't roll back

380
00:15:30,000 --> 00:15:30,900
when you jack the car up.

381
00:15:32,266 --> 00:15:34,100
And then after that you get 
and you're ready to go

382
00:15:35,000 --> 00:15:35,600
to see with you oil changing.

383
00:15:37,066 --> 00:15:39,166
So you go in, you want to 
take your oil plug loose first

384
00:15:40,466 --> 00:15:42,166
and then your oil out 
and let it run

385
00:15:43,333 --> 00:15:43,866
until it come all the way 
completely out.

386
00:15:44,733 --> 00:15:45,300
And then you go to your filter.

387
00:15:46,500 --> 00:15:47,200
If you realize 
your filter got oil in it.

388
00:15:48,100 --> 00:15:48,633
So you want to take that loose

389
00:15:49,500 --> 00:15:49,966
and then let that drain out.

390
00:15:51,000 --> 00:15:51,133
Bennett> 
Now do you need to change

391
00:15:52,466 --> 00:15:53,433
your filter when you do your oil 
too? Lancaster> Yes.

392
00:15:54,933 --> 00:15:56,100
Bennett> So that's something 
else you need to have on hand

393
00:15:56,100 --> 00:15:57,233
is that filter. 
Lancaster> Your filter

394
00:15:57,233 --> 00:15:57,400
after you complete 
all the steps

395
00:15:58,500 --> 00:15:59,500
you got to go through 
in drainage.

396
00:16:00,933 --> 00:16:01,566
And make sure you have 
your oil pan here to catch that

397
00:16:02,266 --> 00:16:04,300
that oil come out.

398
00:16:05,433 --> 00:16:05,566
and then after 
you get through that,

399
00:16:06,500 --> 00:16:06,833
then you go 
back to the same

400
00:16:07,566 --> 00:16:08,566
that you put it back on,

401
00:16:09,900 --> 00:16:11,300
put your plug back in first 
for your...for your...,

402
00:16:12,433 --> 00:16:14,000
then you put your 
oil filter back on

403
00:16:15,266 --> 00:16:15,933
and then you come in, 
you come back up here,

404
00:16:16,866 --> 00:16:17,566
then you want to 
open up to here.

405
00:16:18,433 --> 00:16:19,866
This is your place in here.

406
00:16:21,066 --> 00:16:21,866
This is where you going 
to put your oil in here.

407
00:16:22,633 --> 00:16:22,800
This is near the top.

408
00:16:23,800 --> 00:16:23,933
Most your engine's 
is on top.

409
00:16:25,000 --> 00:16:25,500
Most of some of them 
are on the side.

410
00:16:26,233 --> 00:16:27,466
A front wheel drive

411
00:16:28,633 --> 00:16:28,933
going to be on the 
front of you right here.

412
00:16:30,100 --> 00:16:31,533
The fresh oil in. 
So you got your oil,

413
00:16:32,133 --> 00:16:32,733
your fresh oil.

414
00:16:33,900 --> 00:16:34,733
Make sure your oil go back 
in the same

415
00:16:36,066 --> 00:16:37,033
not trying to find no other 
place but that unit.

416
00:16:38,400 --> 00:16:39,900
If you don't know ask someone 
where your oil goes at.

417
00:16:40,666 --> 00:16:41,100
Don't try to find it.

418
00:16:42,266 --> 00:16:42,666
So you place the oil here 
and we normally

419
00:16:43,533 --> 00:16:43,800
when you check your manual.

420
00:16:45,166 --> 00:16:46,966
If your manual book say four, 
you four put in it.

421
00:16:47,700 --> 00:16:48,766
Do not overflow it.

422
00:16:50,233 --> 00:16:51,933
Bennett> So is it better to have 
a little less than too much?

423
00:16:53,066 --> 00:16:54,400
Lancaster> 
Always less to have less.

424
00:16:55,800 --> 00:16:57,900
Never want to get too much 
because you got pressure,

425
00:16:59,366 --> 00:17:01,900
and pressure can cause your 
engine really to get overheated.

426
00:17:02,966 --> 00:17:03,966
And also may cause 
some problems,

427
00:17:05,300 --> 00:17:06,866
such as blowing out 
from your valve cover gasket

428
00:17:07,900 --> 00:17:09,233
and then you will 
not realize it,

429
00:17:10,000 --> 00:17:10,633
if you did. And so,...

430
00:17:11,833 --> 00:17:12,800
about six months 
down the line if your car starts

431
00:17:13,866 --> 00:17:14,433
acting up as far 
as it's overheating.

432
00:17:15,600 --> 00:17:17,100
Say check your oil 
and you say, oil, in it,

433
00:17:18,200 --> 00:17:18,600
but you realize 
that you put too much

434
00:17:19,633 --> 00:17:19,800
and the car already 
overheated

435
00:17:21,033 --> 00:17:21,366
it's going to throw everything 
back out again.

436
00:17:22,733 --> 00:17:24,700
Bennett> Okay. So, you just 
put the oil in there,

437
00:17:25,866 --> 00:17:26,066
making sure you got 
the right amount.

438
00:17:27,566 --> 00:17:27,700
Lancaster> Right, and when you 
get through with that make sure

439
00:17:28,966 --> 00:17:30,233
your car's on a level 
like this one here is.

440
00:17:31,433 --> 00:17:33,033
So when you place oil 
back in your car,

441
00:17:34,233 --> 00:17:34,666
or whatever your book manual 
tell you to do,

442
00:17:35,533 --> 00:17:36,633
clean your stick off real good.

443
00:17:37,533 --> 00:17:38,466
Real goo clean your stick off

444
00:17:39,100 --> 00:17:39,333
with your rag,

445
00:17:39,966 --> 00:17:41,400
excuse my hand

446
00:17:42,900 --> 00:17:43,566
then you see if the sign says 
full right on the line here

447
00:17:44,800 --> 00:17:45,533
I don't know if you can see it, 
Bennett> Yeah.

448
00:17:47,033 --> 00:17:49,066
Lancaster> Then you want to 
go back here, facing the car.

449
00:17:50,233 --> 00:17:51,800
And so he's back down here.

450
00:17:52,933 --> 00:17:54,033
Make sure it goes 
all the way down.

451
00:17:55,166 --> 00:17:56,600
all the way down, 
then come back up

452
00:17:57,333 --> 00:17:57,833
and then look at it.

453
00:17:58,533 --> 00:17:59,066
Then it says full.

454
00:18:00,300 --> 00:18:00,433
Bennett> It's really 
a simple process.

455
00:18:01,666 --> 00:18:02,700
Lancaster> Yes. Yeah. 
Very simple process.

456
00:18:03,933 --> 00:18:06,600
Save a lot of money, 
by doing it yourself.

457
00:18:08,100 --> 00:18:09,100
Bennett> Changing the oil in 
your car is a simple process.

458
00:18:10,300 --> 00:18:11,666
But of course, 
you need to know your car

459
00:18:12,400 --> 00:18:13,166
to do the job right,

460
00:18:14,100 --> 00:18:15,400
and you'll need 
some basic tools

461
00:18:16,300 --> 00:18:17,166
and even in these tight times,

462
00:18:18,233 --> 00:18:19,666
we must learn to 
pay ourselves first.

463
00:18:21,033 --> 00:18:23,366
Establishing a savings account 
is a must for all of us.

464
00:18:24,400 --> 00:18:24,966
Experts tell us 
we need to have an

465
00:18:26,166 --> 00:18:27,600
amount equal 
to a minimum of three months

466
00:18:28,533 --> 00:18:30,033
living expenses 
in our savings.

467
00:18:31,400 --> 00:18:32,400
Wilson> As a rule of thumb, 
a person needs to look

468
00:18:33,700 --> 00:18:36,666
at least 10% of their gross 
income per month.

469
00:18:37,500 --> 00:18:37,966
That is, before any taxes

470
00:18:39,066 --> 00:18:40,433
or anything come out 
at least 10%.

471
00:18:41,966 --> 00:18:44,166
Now, Mary, how can I take 10% 
of my income and put it aside?

472
00:18:45,233 --> 00:18:46,366
Starting very gradually 
and starting

473
00:18:47,566 --> 00:18:48,500
with the first step, 
which would be crawling,

474
00:18:50,000 --> 00:18:52,766
I will suggest that a person 
put aside 1% of that paycheck.

475
00:18:53,466 --> 00:18:53,900
The next paycheck,

476
00:18:54,633 --> 00:18:56,566
attempt to put aside 2%,

477
00:18:57,900 --> 00:19:00,266
the next paycheck 
to put aside 3%, and so forth.

478
00:19:01,366 --> 00:19:02,766
Getting into 
some positive habits,

479
00:19:03,800 --> 00:19:04,633
payroll 
deduction is always good.

480
00:19:05,233 --> 00:19:05,800
A lot of people,

481
00:19:07,000 --> 00:19:07,466
if you don't touch it 
and don't see it,

482
00:19:08,566 --> 00:19:09,466
you might let it stay 
a little longer.

483
00:19:10,366 --> 00:19:10,633
Bennett> 
Robert Squirewell,

484
00:19:11,666 --> 00:19:13,033
takes financial planning 
seriously.

485
00:19:14,333 --> 00:19:16,700
A young family man he's 
been saving for many years

486
00:19:18,066 --> 00:19:19,766
Squirewell> In terms of savings, 
things that I've done,

487
00:19:20,800 --> 00:19:21,433
automatic savings 
that come out of

488
00:19:22,933 --> 00:19:25,533
your paycheck, things that you 
don't see, are a great help,

489
00:19:26,866 --> 00:19:29,500
joining a credit union, 
investing in savings bonds,

490
00:19:30,800 --> 00:19:32,433
and investing in company 
stock plans, those things.

491
00:19:33,833 --> 00:19:35,566
We have a tendency to live off 
of what we bring home,

492
00:19:36,166 --> 00:19:36,466
what we see.

493
00:19:37,566 --> 00:19:38,366
If you never 
put your hands on it,

494
00:19:39,566 --> 00:19:40,300
then you won't 
have a problem with that.

495
00:19:41,400 --> 00:19:42,733
Bennett> 
These difficult economic times

496
00:19:43,900 --> 00:19:44,766
seemingly 
will be with us for a while,

497
00:19:46,066 --> 00:19:47,800
but with or without times 
like these, suggestions

498
00:19:49,000 --> 00:19:51,533
from saving to bartering are 
good ideas.

499
00:19:52,133 --> 00:19:53,200
For the Caravan,

500
00:19:53,966 --> 00:19:56,600
I'm Patricia Bennett.

501
00:19:57,033 --> 00:19:58,600
♪

502
00:20:00,033 --> 00:20:00,833
Terrell> Jim, I like that 
suggestion about bartering.

503
00:20:02,066 --> 00:20:03,266
How about trading a nice full 
shot of you

504
00:20:04,033 --> 00:20:04,633
on the Job Man Caravan

505
00:20:05,900 --> 00:20:06,833
for this free haircut. 
Jim> Not today, Bill.

506
00:20:07,900 --> 00:20:08,533
Terrell> Oh oh! 
I figured he'd say that.

507
00:20:09,666 --> 00:20:10,400
While here at 
Tolliver's Mane Event,

508
00:20:11,733 --> 00:20:12,633
we asked some of the people 
how they are coping

509
00:20:13,700 --> 00:20:14,233
during these hard 
economic times

510
00:20:14,966 --> 00:20:15,700
and some suggestions

511
00:20:16,900 --> 00:20:18,566
for bettering 
their financial situation.

512
00:20:19,766 --> 00:20:19,900
Barber #1> One of the 
things I have done

513
00:20:21,033 --> 00:20:21,166
as far first, 
cut back on expenses.

514
00:20:22,466 --> 00:20:25,233
I have did an inventory of 
myself, and I looked

515
00:20:26,666 --> 00:20:27,033
at the things that I needed 
and things I didn't need.

516
00:20:28,333 --> 00:20:28,700
one of the things I found 
that I really didn't

517
00:20:29,933 --> 00:20:31,733
need at this present 
time is charge cards.

518
00:20:33,033 --> 00:20:34,800
I have several charge cards, 
but I have tore up

519
00:20:35,900 --> 00:20:36,533
all of them except one, 
a Master charge,

520
00:20:37,766 --> 00:20:38,633
and I only use that 
only on emergencies.

521
00:20:40,133 --> 00:20:43,066
Barber #2> I think what we need 
to do is, stick with the basics.

522
00:20:44,233 --> 00:20:46,133
I myself, who have 
never been one to,

523
00:20:47,066 --> 00:20:49,333
live a very extravagant life.

524
00:20:50,566 --> 00:20:52,833
I have, somewhat 
try to live within my means.

525
00:20:54,066 --> 00:20:55,400
What happens to a lot of us 
is that we will,

526
00:20:56,600 --> 00:20:58,733
make one paycheck 
and end up spending two.

527
00:21:00,166 --> 00:21:00,600
Barber #3> Some of the things 
that we need to do

528
00:21:01,966 --> 00:21:03,266
is definitely stay out 
of these department stores,

529
00:21:04,500 --> 00:21:05,333
you know, cut 
back on these credit cards.

530
00:21:06,700 --> 00:21:08,033
You know, it's not easy 
to deny yourself of something

531
00:21:09,333 --> 00:21:10,433
when you think that 
you rightfully deserve it.

532
00:21:11,266 --> 00:21:12,466
But in anything, you know,

533
00:21:13,700 --> 00:21:15,133
you have to make 
some sacrifices along the way.

534
00:21:16,400 --> 00:21:19,100
So those areas 
we must cut back on, you know,

535
00:21:19,966 --> 00:21:20,833
and try and save some money,

536
00:21:21,933 --> 00:21:22,866
if is no more 
than a dollar a day.

537
00:21:24,100 --> 00:21:24,566
Terrell> We're thankful 
for those suggestions

538
00:21:25,633 --> 00:21:26,966
on the Caravan, 
where we now take a look

539
00:21:28,066 --> 00:21:28,833
at a possible 
career opportunity.

540
00:21:29,266 --> 00:21:32,833
♪

541
00:21:34,300 --> 00:21:35,800
Bennett> "Just do it", the 
commercials tell us, "Get fit"

542
00:21:36,533 --> 00:21:37,700
and more of us are.

543
00:21:38,733 --> 00:21:39,400
But for many of us 
to get going

544
00:21:40,566 --> 00:21:41,700
and to keep going, 
we need motivators.

545
00:21:42,566 --> 00:21:43,600
We need professional help.

546
00:21:44,700 --> 00:21:45,400
And today, 
more and more careers

547
00:21:46,266 --> 00:21:47,166
in fitness are opening up.

548
00:21:48,300 --> 00:21:49,366
Dr. Russel Pate> 
Virtually every adult,

549
00:21:50,100 --> 00:21:52,366
it's 99% of adults

550
00:21:53,000 --> 00:21:53,233
report that

551
00:21:54,000 --> 00:21:54,433
that they consider,

552
00:21:55,533 --> 00:21:57,633
exercise to be important 
to their health.

553
00:21:58,966 --> 00:22:00,733
But we know that, an awful 
lot of those same people

554
00:22:01,466 --> 00:22:02,100
don't get much exercise.

555
00:22:03,266 --> 00:22:06,233
And so, that says to me 
that, people sense

556
00:22:06,933 --> 00:22:07,800
the need for this

557
00:22:08,900 --> 00:22:09,400
there are many of them 
that are not

558
00:22:10,566 --> 00:22:11,800
quite sure 
how to deal with that need.

559
00:22:12,700 --> 00:22:13,800
And, we feel that our students

560
00:22:14,633 --> 00:22:15,500
are prepared to help them.

561
00:22:16,566 --> 00:22:17,900
Mark Backus> 
There are a number,

562
00:22:19,000 --> 00:22:20,733
a good number of career 
possibilities

563
00:22:21,966 --> 00:22:24,466
in health and fitness, 
now and definitely more

564
00:22:25,166 --> 00:22:25,866
so in the future,

565
00:22:27,366 --> 00:22:30,066
because the fitness boom is 
something that has taken hold

566
00:22:31,266 --> 00:22:32,233
and I don't foresee it's 
going to loosen up.

567
00:22:33,433 --> 00:22:34,166
Bennett> Mark Backus 
is a fitness instructor

568
00:22:35,466 --> 00:22:37,200
for a corporation 
in Columbia, South Carolina.

569
00:22:38,466 --> 00:22:39,400
Colonial Life 
Insurance has a comprehensive

570
00:22:40,433 --> 00:22:41,333
fitness program 
for its employees,

571
00:22:42,700 --> 00:22:44,233
including aerobics classes. 
Throughout the country

572
00:22:45,433 --> 00:22:46,666
corporations are realizing 
the importance

573
00:22:47,700 --> 00:22:49,566
of fitness programs for 
employees.

574
00:22:51,000 --> 00:22:52,866
Backus> Companies such as 
Colonial Life and Accident

575
00:22:53,600 --> 00:22:54,033
Insurance Company,

576
00:22:55,333 --> 00:22:56,866
which I work for also 
are getting definitely

577
00:22:57,633 --> 00:22:59,066
into the fitness craze.

578
00:22:59,866 --> 00:23:00,300
They realize that it's

579
00:23:01,633 --> 00:23:03,500
a big boom to their business 
to keep their employees

580
00:23:04,100 --> 00:23:05,200
healthy and fit.

581
00:23:06,666 --> 00:23:08,700
The opportunity for exercise 
physiologist to be employed,

582
00:23:10,033 --> 00:23:11,666
yet the opportunity for 
nutritionist to be employed

583
00:23:12,533 --> 00:23:13,266
aerobics instructors again,

584
00:23:14,233 --> 00:23:15,400
and also 
aerobic coordinators.

585
00:23:16,800 --> 00:23:17,266
Bennett> The option to become 
a fitness professional

586
00:23:17,966 --> 00:23:19,033
is relatively new.

587
00:23:20,266 --> 00:23:21,266
Up until recent years, 
training for these jobs

588
00:23:22,100 --> 00:23:23,300
has been rather haphazard.

589
00:23:24,533 --> 00:23:26,866
But today one can major 
in fitness in college.

590
00:23:28,000 --> 00:23:28,833
At the University 
of South Carolina,

591
00:23:29,966 --> 00:23:30,466
the majors come under 
the Department

592
00:23:31,200 --> 00:23:32,433
of Exercise Science.

593
00:23:33,766 --> 00:23:36,333
Professor> There is, much 
increased demand for,

594
00:23:37,300 --> 00:23:39,033
professionally 
trained persons

595
00:23:40,100 --> 00:23:42,900
to deliver, 
those exercise programs,

596
00:23:44,200 --> 00:23:45,733
our undergraduate program 
in exercise science is,

597
00:23:47,200 --> 00:23:50,833
is designed to prepare those 
people, persons who can go into,

598
00:23:52,066 --> 00:23:55,300
really quite a wide 
range of settings and,

599
00:23:56,200 --> 00:23:57,200
evaluate persons with regard

600
00:23:57,966 --> 00:23:58,433
to their, their current

601
00:23:59,833 --> 00:24:02,600
physical activity and physical 
fitness and design,

602
00:24:03,200 --> 00:24:03,833
appropriate,

603
00:24:05,133 --> 00:24:08,033
safe and effective 
exercise programs for them.

604
00:24:09,100 --> 00:24:09,533
Bennett> Fitness 
professionals are needed

605
00:24:10,633 --> 00:24:11,733
in many areas, 
both public and private,

606
00:24:12,833 --> 00:24:13,700
and you can make 
your own opportunity,

607
00:24:14,433 --> 00:24:15,033
like Wanda Bamberg.

608
00:24:15,466 --> 00:24:17,233
♪

609
00:24:18,066 --> 00:24:20,400
Just call her Wanda Woman.

610
00:24:21,500 --> 00:24:24,000
Wanda Bamberg> 
Getting myself in shape,

611
00:24:25,066 --> 00:24:26,966
and then being able 
to share it,

612
00:24:28,166 --> 00:24:29,100
that's the whole mindset 
behind Wanda Woman.

613
00:24:30,400 --> 00:24:31,633
Bennett> Wanda Bamberg, 
a Columbia, South Carolina

614
00:24:32,800 --> 00:24:33,966
native, is the co-owner 
operator of Wanda

615
00:24:35,266 --> 00:24:38,000
Woman dance and exercise 
studio in Washington, D.C.

616
00:24:39,333 --> 00:24:41,000
She began her fitness 
career over ten years ago.

617
00:24:42,500 --> 00:24:44,400
She says she's always known 
what she wanted to do, to work

618
00:24:45,500 --> 00:24:47,900
for herself 
and to stay in shape.

619
00:24:49,300 --> 00:24:51,266
Wanda believes Wonder Woman 
Studios

620
00:24:52,100 --> 00:24:53,600
has a special atmosphere.

621
00:24:54,833 --> 00:24:57,233
Bamberg> Very special, 
I think, that's what

622
00:24:58,566 --> 00:25:00,466
keep from our members 
coming on a regular basis

623
00:25:01,900 --> 00:25:03,466
and keep them bringing all 
their friends to the studio.

624
00:25:04,933 --> 00:25:07,066
Many, many times they tell us 
that it is the atmosphere.

625
00:25:08,133 --> 00:25:09,266
It's the camaraderie 
of the members.

626
00:25:10,000 --> 00:25:10,600
People enjoy the music.

627
00:25:11,033 --> 00:25:11,833
♪

628
00:25:12,866 --> 00:25:14,300
Bennett> 
Well, that's very obvious.

629
00:25:14,733 --> 00:25:19,400
♪

630
00:25:20,566 --> 00:25:23,800
Antoinette McLeod 
is Wanda's partner.

631
00:25:24,233 --> 00:25:24,966
♪

632
00:25:26,300 --> 00:25:27,700
McLeod> We try to promote 
the holistic approach

633
00:25:28,466 --> 00:25:28,900
to health and fitness.

634
00:25:30,033 --> 00:25:30,966
It is not only 
on the physical plane,

635
00:25:31,933 --> 00:25:32,733
but it is also 
on the spiritual

636
00:25:33,666 --> 00:25:35,200
and the emotional plane 
as well.

637
00:25:36,266 --> 00:25:38,833
So we try to pull it 
all together

638
00:25:39,866 --> 00:25:40,933
so you can look good 
outwardly,

639
00:25:41,833 --> 00:25:42,400
but you also have to look good

640
00:25:43,600 --> 00:25:45,100
and feel good on the inside 
about yourself.

641
00:25:46,600 --> 00:25:49,733
We try to promote the ladies 
feeling good about themselves

642
00:25:51,066 --> 00:25:53,333
and doing and becoming 
the best that they can be.

643
00:25:53,766 --> 00:25:55,300
♪

644
00:25:56,500 --> 00:25:57,800
Bennett> Today, fitness is 
definitely in

645
00:25:59,000 --> 00:26:00,400
and the trend 
seems likely to continue,

646
00:26:01,666 --> 00:26:02,300
but a career as a fitness 
professional means

647
00:26:03,533 --> 00:26:05,333
more than being able 
to move to the groove.

648
00:26:06,466 --> 00:26:07,266
You have to understand 
the human body

649
00:26:07,966 --> 00:26:08,200
so that the people

650
00:26:09,233 --> 00:26:09,633
who entrust their 
wellness to you

651
00:26:10,833 --> 00:26:12,766
aren't harmed 
by your lack of knowledge.

652
00:26:13,700 --> 00:26:15,233
In Washington DC 
for the Caravan,

653
00:26:16,000 --> 00:26:16,766
I'm Patricia Bennett.

654
00:26:17,200 --> 00:26:21,033
♪

655
00:26:23,966 --> 00:26:24,900
♪

656
00:26:25,933 --> 00:26:27,600
Jim> > Bill, see 
if I did my usual.

657
00:26:28,866 --> 00:26:29,000
Terrell> Good job. 
I got only one complaint.

658
00:26:29,700 --> 00:26:30,066
Jim> What's that?

659
00:26:31,100 --> 00:26:31,933
Terrell> 
You cut my part too wide.

660
00:26:32,966 --> 00:26:33,666
Jim> I'll do 
better next time.

661
00:26:34,700 --> 00:26:35,000
Terrell> Please do. 
Jim> Okay.

662
00:26:36,333 --> 00:26:36,833
Terrell> I'm afraid 
that's all the time we have

663
00:26:37,566 --> 00:26:38,333
for this week's program.

664
00:26:38,933 --> 00:26:39,600
Until next week,

665
00:26:41,066 --> 00:26:42,200
I'm Bill Terrell, on behalf 
of the staff of the Caravan,

666
00:26:43,400 --> 00:26:45,700
we love you and we thank you 
for joining us.

667
00:26:46,466 --> 00:26:46,666
Another good job, Jim

668
00:26:47,433 --> 00:26:47,900
Jim> Thank you, Bill.

669
00:26:48,333 --> 00:26:51,400
♪

670
00:26:52,700 --> 00:26:52,833
Melvin Whitfield> 
The other thing that we did,

671
00:26:54,266 --> 00:26:56,133
we developed flexible joints 
on our doll arms and legs.

672
00:26:57,200 --> 00:26:57,633
Because in testing 
the dolls out,

673
00:26:59,000 --> 00:27:00,300
the first thing to pop loose 
is the arm or the leg.

674
00:27:01,666 --> 00:27:02,733
We wanted a product that would 
last for several years.

675
00:27:04,133 --> 00:27:05,500
So out of that, we came up 
with the name Baby Whitney

676
00:27:06,100 --> 00:27:07,300
for Witty Kids.

677
00:27:08,733 --> 00:27:10,400
Bennett> Paying up to 21% 
interest on credit card charges

678
00:27:11,433 --> 00:27:13,033
is wreaking havoc 
on your budget.

679
00:27:14,100 --> 00:27:14,566
And if you've 
got several cards,

680
00:27:15,300 --> 00:27:16,400
get rid of most of them.

681
00:27:17,800 --> 00:27:19,566
Having fewer credit cards 
will mean less temptation,

682
00:27:20,866 --> 00:27:22,733
and your credit picture 
will actually look better.

683
00:27:23,800 --> 00:27:26,000
Wilson> 
In 1985, the representative

684
00:27:26,933 --> 00:27:28,466
who were 
on the banking committee

685
00:27:29,666 --> 00:27:30,966
said every credit card 
should be burned.

686
00:27:32,033 --> 00:27:33,400
Bennett> Today, 
fitness is definitely in

687
00:27:34,600 --> 00:27:36,000
and the trend 
seems likely to continue.

688
00:27:37,266 --> 00:27:37,933
But a career as a fitness 
professional means

689
00:27:39,166 --> 00:27:41,000
more than being able 
to move to the groove.

690
00:27:42,266 --> 00:27:43,133
You have to understand 
the human body so that

691
00:27:44,400 --> 00:27:45,333
the people who entrust 
their wellness to you

692
00:27:46,533 --> 00:27:47,566
aren't harmed 
by your lack of knowledge.

693
00:27:48,000 --> 00:27:48,133
♪