<?xml version="1.0" encoding="UTF-8"?>
<howcast version="0.1">
  <video>
    <id>2484</id>
    <category-id>39</category-id>
    <category-hierarchy>
      <category id="30">Business &amp; Finance</category>
      <category parent_id="30" id="37">Management &amp; Business Skills</category>
      <category parent_id="37" id="39">Business Etiquette</category>
    </category-hierarchy>
    <easy-steps>true</easy-steps>
    <created-at>Thu, 13 Mar 2008 07:32:02 -0700</created-at>
    <filename>/system/videos/6/84/24/2484.flv</filename>
    <tags>business, career, communicate, communication, company, conduct, DIY, Do It Yourself, e-mail, email, Essential Skills, etiquette, good, Instructional, job, Learn to, mail, office, phone, proper, talk, talking, Tips, tutorial, work, write</tags>
    <title>How To Practice Good Phone and E-mail Etiquette At Work</title>
    <description>
      <![CDATA[How can we put this in a way you'll understand? Sending LOLs to your BFFs on company time is not KEWL.]]>
    </description>
    <permalink>http://www.howcast.com/videos/2484-How-To-Practice-Good-Phone-and-Email-Etiquette-At-Work</permalink>
    <edit-url>http://www.howcast.com/videos/2484-How-To-Practice-Good-Phone-and-Email-Etiquette-At-Work/edit</edit-url>
    <state>approved</state>
    <duration>140</duration>
    <width>640</width>
    <height>480</height>
    <embed>&lt;object width="425" height="352" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"&gt;&lt;param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=2484"&gt;&lt;/param&gt;&lt;param name="allowFullScreen" value="true"&gt;&lt;/param&gt;&lt;param name="allowScriptAccess" value="always"&gt;&lt;/param&gt;&lt;embed src="http://www.howcast.com/flash/howcast_player.swf?file=2484" type="application/x-shockwave-flash" width="425" height="352" allowFullScreen="true" allowScriptAccess="always" &gt;&lt;/embed&gt;&lt;/object&gt;</embed>
    <rating>24</rating>
    <username>KHall</username>
    <thumbnail-url>http://img.howcast.com/system/thumbnails/2484/ppn_hall_email_phone_etiquette_sd_xxlarge_maintained_aspect.jpg</thumbnail-url>
    <views>5599</views>
    <overlay>
      <titlecard>false</titlecard>
      <steps>false</steps>
      <overlays>false</overlays>
    </overlay>
    <ingredients>
      <ingredient>
        <![CDATA[A job]]>
      </ingredient>
      <ingredient>
        <![CDATA[An email account]]>
      </ingredient>
      <ingredient>
        <![CDATA[A phone with voice mail]]>
      </ingredient>
      <ingredient>
        <![CDATA[Some common sense]]>
      </ingredient>
    </ingredients>
    <markers>
      <marker>
        <id>26058</id>
        <position>1</position>
        <timemarker>25</timemarker>
        <type>Step</type>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/2484/25.jpg</thumbnail-url>
        <title>Remember you're at work</title>
        <textile-text>
          <![CDATA[First and foremost, remember you're at work. Now is not the time to call or email your long lost frat brothers, ex-girlfriends, or bookie.]]>
        </textile-text>
        <text>
          <![CDATA[<p>First and foremost, remember you&#8217;re at work. Now is not the time to call or email your long lost frat brothers, ex-girlfriends, or bookie.</p>]]>
        </text>
      </marker>
      <marker>
        <id>26059</id>
        <position>2</position>
        <timemarker>36</timemarker>
        <type>Step</type>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/2484/36.jpg</thumbnail-url>
        <title>Don't use speakerphone</title>
        <textile-text>
          <![CDATA[Don';t use your speakerphone unless it's completely necessary. Otherwise, it's just obnoxious.]]>
        </textile-text>
        <text>
          <![CDATA[<p>Don&#8217;;t use your speakerphone unless it&#8217;s completely necessary. Otherwise, it&#8217;s just obnoxious.</p>]]>
        </text>
      </marker>
      <marker>
        <id>26060</id>
        <position>3</position>
        <timemarker>43</timemarker>
        <type>Tip</type>
        <thumbnail-url></thumbnail-url>
        <title></title>
        <textile-text>
          <![CDATA[Remember: background noise can be heard when you're on a conference call from home—and that includes toast popping, kettles whistling, and toilets flushing.]]>
        </textile-text>
        <text>
          <![CDATA[<p>Remember: background noise can be heard when you&#8217;re on a conference call from home—and that includes toast popping, kettles whistling, and toilets flushing.</p>]]>
        </text>
      </marker>
      <marker>
        <id>26061</id>
        <position>4</position>
        <timemarker>54</timemarker>
        <type>Step</type>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/2484/54.jpg</thumbnail-url>
        <title>Keep voice mail short</title>
        <textile-text>
          <![CDATA[When leaving a voice mail, keep it short—you are not auditioning for Hamlet. Just provide the essentials: your name, your number, and a BRIEF reason for calling.]]>
        </textile-text>
        <text>
          <![CDATA[<p>When leaving a voice mail, keep it short—you are not auditioning for Hamlet. Just provide the essentials: your name, your number, and a <span class="caps">BRIEF</span> reason for calling.</p>]]>
        </text>
      </marker>
      <marker>
        <id>26062</id>
        <position>5</position>
        <timemarker>67</timemarker>
        <type>Tip</type>
        <thumbnail-url></thumbnail-url>
        <title></title>
        <textile-text>
          <![CDATA[Have your message ready before you call. Nothing is more annoying than listening to someone stammer while they try to formulate a coherent thought.  And remember to enunciate so the person doesn't have to replay your message 25 times.]]>
        </textile-text>
        <text>
          <![CDATA[<p>Have your message ready before you call. Nothing is more annoying than listening to someone stammer while they try to formulate a coherent thought.  And remember to enunciate so the person doesn&#8217;t have to replay your message 25 times.</p>]]>
        </text>
      </marker>
      <marker>
        <id>26063</id>
        <position>6</position>
        <timemarker>82</timemarker>
        <type>Step</type>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/2484/82.jpg</thumbnail-url>
        <title>Include simple subject line</title>
        <textile-text>
          <![CDATA[Always include a simple, straightforward description in your email subject line so its recipient can quickly assess if it's important, and easily relocate it later. ]]>
        </textile-text>
        <text>
          <![CDATA[<p>Always include a simple, straightforward description in your email subject line so its recipient can quickly assess if it&#8217;s important, and easily relocate it later.</p>]]>
        </text>
      </marker>
      <marker>
        <id>26064</id>
        <position>7</position>
        <timemarker>92</timemarker>
        <type>Step</type>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/2484/92.jpg</thumbnail-url>
        <title>Be careful with email</title>
        <textile-text>
          <![CDATA[Remember that an email doesn't convey a context the way your gestures, expressions, and tone of voice would. What you write in a playful way may come across as harsh or insulting to your reader.]]>
        </textile-text>
        <text>
          <![CDATA[<p>Remember that an email doesn&#8217;t convey a context the way your gestures, expressions, and tone of voice would. What you write in a playful way may come across as harsh or insulting to your reader.</p>]]>
        </text>
      </marker>
      <marker>
        <id>26065</id>
        <position>8</position>
        <timemarker>105</timemarker>
        <type>Tip</type>
        <thumbnail-url></thumbnail-url>
        <title></title>
        <textile-text>
          <![CDATA[Always spell-check your email before hitting 'send'; It's easy, and may just save you a lot of embarrassment.]]>
        </textile-text>
        <text>
          <![CDATA[<p>Always spell-check your email before hitting &#8216;send&#8217;; It&#8217;s easy, and may just save you a lot of embarrassment.</p>]]>
        </text>
      </marker>
      <marker>
        <id>26066</id>
        <position>9</position>
        <timemarker>114</timemarker>
        <type>Step</type>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/2484/114.jpg</thumbnail-url>
        <title>Include explanation when forwarding</title>
        <textile-text>
          <![CDATA[Forwarding an email to a co-worker? Always include a brief explanation so they're not left to ponder what you may want from them. If you're totally swamped, at least include "FYI"]]>
        </textile-text>
        <text>
          <![CDATA[<p>Forwarding an email to a co-worker? Always include a brief explanation so they&#8217;re not left to ponder what you may want from them. If you&#8217;re totally swamped, at least include &#8220;<span class="caps">FYI</span>&#8221;</p>]]>
        </text>
      </marker>
      <marker>
        <id>26067</id>
        <position>10</position>
        <timemarker>128</timemarker>
        <type>Fact</type>
        <thumbnail-url></thumbnail-url>
        <title></title>
        <textile-text>
          <![CDATA[Eighty-two percent of what you communicate on the phone is non-verbal—in other words, what you say is far less important than how you say it.]]>
        </textile-text>
        <text>
          <![CDATA[<p>Eighty-two percent of what you communicate on the phone is non-verbal—in other words, what you say is far less important than how you say it.</p>]]>
        </text>
      </marker>
    </markers>
    <related-videos>
      <video>
        <category-id>40</category-id>
        <id>151457</id>
        <title>How To Deal With Being Laid Off</title>
        <type>HowcastGuide</type>
        <views>1813</views>
        <created-at>Thu, 26 Feb 2009 04:05:12 -0800</created-at>
        <rating>16</rating>
        <username>mr_stewart</username>
        <description>
          <![CDATA[It happens to the best of us: you're called into someone's office and told — surprise! — today is your last day. That's why everyone should have a plan. ]]>
        </description>
        <embed>
          <![CDATA[<object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=151457"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=151457" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object>]]>
        </embed>
        <duration>156</duration>
        <filename>http://media.howcast.com/system/videos/5/57/14/15/151457.flv</filename>
        <tags>DIY, Instructional, tutorial, Do It Yourself, Tips, Essential Skills, Learn to, business, work, workplace</tags>
        <category-hierarchy>
          <category id="30">Business &amp; Finance</category>
          <category parent_id="30" id="37">Management &amp; Business Skills</category>
          <category parent_id="37" id="40">Hiring &amp; Firing</category>
        </category-hierarchy>
        <comment-count>2</comment-count>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/151457/deal_being_laid_off_640x360_nobug_h264_xxlarge_maintained_aspect.jpg</thumbnail-url>
        <permalink>http://www.howcast.com/videos/151457-How-To-Deal-With-Being-Laid-Off</permalink>
      </video>
      <video>
        <category-id>40</category-id>
        <id>165232</id>
        <title>How To Fire Someone</title>
        <type>HowcastGuide</type>
        <views>4299</views>
        <created-at>Wed, 25 Mar 2009 04:06:40 -0700</created-at>
        <rating>13</rating>
        <username>TreehouseFlicks</username>
        <description>
          <![CDATA[Telling someone they've lost their job is never easy. But with the right preparation, you can make it go smoothly.]]>
        </description>
        <embed>
          <![CDATA[<object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=165232"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=165232" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object>]]>
        </embed>
        <duration>147</duration>
        <filename>http://media.howcast.com/system/videos/4/32/52/16/165232.flv</filename>
        <tags>business, job, work, fire, let, go, firing, worker, employee, managing</tags>
        <category-hierarchy>
          <category id="30">Business &amp; Finance</category>
          <category parent_id="30" id="37">Management &amp; Business Skills</category>
          <category parent_id="37" id="40">Hiring &amp; Firing</category>
        </category-hierarchy>
        <comment-count>3</comment-count>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/165232/fire_someone_hd3_xxlarge_maintained_aspect.jpg</thumbnail-url>
        <permalink>http://www.howcast.com/videos/165232-How-To-Fire-Someone</permalink>
      </video>
      <video>
        <category-id>40</category-id>
        <id>183154</id>
        <title>How To Lay Someone Off</title>
        <type>HowcastGuide</type>
        <views>3391</views>
        <created-at>Tue, 26 May 2009 04:05:14 -0700</created-at>
        <rating>8</rating>
        <username>BajillionairesClub</username>
        <description>
          <![CDATA[Laying off a good worker because of cutbacks is different from firing someone for not doing their job. Here's what you need to know about layoffs. ]]>
        </description>
        <embed>
          <![CDATA[<object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=183154"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=183154" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object>]]>
        </embed>
        <duration>119</duration>
        <filename>http://media.howcast.com/system/videos/6/54/31/18/183154.flv</filename>
        <tags>business, office, work, job, management, firing, laying, laid, managing, skills</tags>
        <category-hierarchy>
          <category id="30">Business &amp; Finance</category>
          <category parent_id="30" id="37">Management &amp; Business Skills</category>
          <category parent_id="37" id="40">Hiring &amp; Firing</category>
        </category-hierarchy>
        <comment-count>0</comment-count>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/183154/lay_some_off_1_xxlarge_maintained_aspect.jpg</thumbnail-url>
        <permalink>http://www.howcast.com/videos/183154-How-To-Lay-Someone-Off</permalink>
      </video>
      <video>
        <category-id>42</category-id>
        <id>10464</id>
        <title>How To Handle Employee Office Romances</title>
        <type>HowcastGuide</type>
        <views>4406</views>
        <created-at>Wed, 28 May 2008 06:34:34 -0700</created-at>
        <rating>9</rating>
        <username>Chris_Davis</username>
        <description>
          <![CDATA[Are Sally from Accounts Receivable and Freddy from Tech Assistance starting to make goo-goo eyes at each other? Better have a chat with them.]]>
        </description>
        <embed>
          <![CDATA[<object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=10464"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=10464" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object>]]>
        </embed>
        <duration>94</duration>
        <filename>http://media.howcast.com/system/videos/6/64/04/01/10464.flv</filename>
        <tags>DIY, Instructional, tutorial, Do It Yourself, Tips, Essential Skills, Learn to, employee, office, romance, romances, relationship, date, dating, work, boss, secretary, sex, love, workplace, relation, relations, seeing, romantic</tags>
        <category-hierarchy>
          <category id="30">Business &amp; Finance</category>
          <category parent_id="30" id="37">Management &amp; Business Skills</category>
          <category parent_id="37" id="42">Managing Employees</category>
        </category-hierarchy>
        <comment-count>0</comment-count>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/10464/handle_office_romance_hd_1_xxlarge_maintained_aspect.jpg</thumbnail-url>
        <permalink>http://www.howcast.com/videos/10464-How-To-Handle-Employee-Office-Romances</permalink>
      </video>
      <video>
        <category-id>31</category-id>
        <id>213774</id>
        <title>How To Use Twitter For Business</title>
        <type>HowcastGuide</type>
        <views>15678</views>
        <created-at>Thu, 05 Nov 2009 06:47:56 -0800</created-at>
        <rating>6</rating>
        <username>TwitterVideos</username>
        <description>
          <![CDATA[Twitter is a perfect fit for consumers and businesses alike. With this powerful, easy-to-use communications platform, you can quickly share information, gather intelligence, and build real-time and long-term relationships with customers and partners. Follow these tips to start seeing real value.]]>
        </description>
        <embed>
          <![CDATA[<object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=213774"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=213774" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object>]]>
        </embed>
        <duration>154</duration>
        <filename>http://media.howcast.com/system/videos/1/74/37/21/213774.flv</filename>
        <tags>twitter,social,networking,blogging,blogs,computers,technology,internet,business,small,tools,communications,partners</tags>
        <category-hierarchy>
          <category id="30">Business &amp; Finance</category>
          <category parent_id="30" id="31">Advertising &amp; Marketing</category>
        </category-hierarchy>
        <comment-count>0</comment-count>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/213774/twitter_business_hd_1_xxlarge_maintained_aspect.jpg</thumbnail-url>
        <permalink>http://www.howcast.com/videos/213774-How-To-Use-Twitter-For-Business</permalink>
      </video>
      <video>
        <category-id>31</category-id>
        <id>236779</id>
        <title>How Do You How-To With Gary Vaynerchuk: Brand Yourself</title>
        <type>HowcastGuide</type>
        <views>343</views>
        <created-at>Wed, 09 Sep 2009 07:03:19 -0700</created-at>
        <rating>1</rating>
        <username>Howcast</username>
        <description>
          <![CDATA[Learn how to turn your passion into a business with these tips from wine expert Gary Vaynerchuk. For more How Do You How-To episodes, check out info.howcast.com/howdoyouhowto]]>
        </description>
        <embed>
          <![CDATA[<object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=236779"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=236779" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object>]]>
        </embed>
        <duration>127</duration>
        <filename>http://media.howcast.com/system/videos/0/92/55/23/235592.flv</filename>
        <tags></tags>
        <category-hierarchy>
          <category id="30">Business &amp; Finance</category>
          <category parent_id="30" id="31">Advertising &amp; Marketing</category>
        </category-hierarchy>
        <comment-count>4</comment-count>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/236779/make_yourself_a_brand_hd_1_xxlarge_maintained_aspect.jpg</thumbnail-url>
        <permalink>http://www.howcast.com/videos/236779-How-Do-You-HowTo-With-Gary-Vaynerchuk-Brand-Yourself</permalink>
      </video>
      <video>
        <category-id>35</category-id>
        <id>164288</id>
        <title>How To Buy Homeowners Insurance</title>
        <type>HowcastGuide</type>
        <views>978</views>
        <created-at>Fri, 20 Mar 2009 04:05:38 -0700</created-at>
        <rating>5</rating>
        <username>bracey</username>
        <description>
          <![CDATA[You can't be approved for a mortgage without homeowners insurance, which will cover you if a tree falls on your home, a guest trips on your stairs, an intruder makes off with your valuables, and much more. ]]>
        </description>
        <embed>
          <![CDATA[<object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=164288"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=164288" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object>]]>
        </embed>
        <duration>179</duration>
        <filename>http://media.howcast.com/system/videos/5/88/42/16/164288.flv</filename>
        <tags>business, finance, insurance, buying, purchasing, getting, policies, money, family, house</tags>
        <category-hierarchy>
          <category id="30">Business &amp; Finance</category>
          <category parent_id="30" id="32">Insurance</category>
          <category parent_id="32" id="35">Home Insurance</category>
        </category-hierarchy>
        <comment-count>0</comment-count>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/164288/homeowners_insurance_master_hd-1920x1080_to_H.264_640x360_xxlarge_maintained_aspect.jpg</thumbnail-url>
        <permalink>http://www.howcast.com/videos/164288-How-To-Buy-Homeowners-Insurance</permalink>
      </video>
      <video>
        <category-id>48</category-id>
        <id>150908</id>
        <title>How To Build a Nest Egg</title>
        <type>HowcastGuide</type>
        <views>1043</views>
        <created-at>Tue, 24 Feb 2009 04:06:08 -0800</created-at>
        <rating>4</rating>
        <username>bencheek</username>
        <description>
          <![CDATA[You know you should save for a rainy day, but how? Here are some easy, low-risk ways to start.  ]]>
        </description>
        <embed>
          <![CDATA[<object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=150908"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=150908" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object>]]>
        </embed>
        <duration>138</duration>
        <filename>http://media.howcast.com/system/videos/2/08/09/15/150908.flv</filename>
        <tags>business, finance, building, saving, money, retirement, funds, investing, investments</tags>
        <category-hierarchy>
          <category id="30">Business &amp; Finance</category>
          <category parent_id="30" id="47">Personal Finance</category>
          <category parent_id="47" id="48">General Personal Finance</category>
        </category-hierarchy>
        <comment-count>0</comment-count>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/150908/nest_egg_hd_xxlarge_maintained_aspect.jpg</thumbnail-url>
        <permalink>http://www.howcast.com/videos/150908-How-To-Build-a-Nest-Egg</permalink>
      </video>
      <video>
        <category-id>48</category-id>
        <id>171776</id>
        <title>How To Prepare an Emergency Fund</title>
        <type>HowcastGuide</type>
        <views>1226</views>
        <created-at>Mon, 13 Apr 2009 04:06:09 -0700</created-at>
        <rating>4</rating>
        <username>pscerri</username>
        <description>
          <![CDATA[Experts recommend having three to six months of living expenses squirreled away for a crisis -- twice that amount in a bad economy! Find the cash for it with these steps. ]]>
        </description>
        <embed>
          <![CDATA[<object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=171776"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=171776" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object>]]>
        </embed>
        <duration>108</duration>
        <filename>http://media.howcast.com/system/videos/3/76/17/17/171776.flv</filename>
        <tags>financing, finance, preparing, saving, money, cash, emergencies, financial, fund, expenses</tags>
        <category-hierarchy>
          <category id="30">Business &amp; Finance</category>
          <category parent_id="30" id="47">Personal Finance</category>
          <category parent_id="47" id="48">General Personal Finance</category>
        </category-hierarchy>
        <comment-count>2</comment-count>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/171776/prepare_emergency_fund_hd_1_xxlarge_maintained_aspect.jpg</thumbnail-url>
        <permalink>http://www.howcast.com/videos/171776-How-To-Prepare-an-Emergency-Fund</permalink>
      </video>
      <video>
        <category-id>48</category-id>
        <id>212507</id>
        <title>How To Check Out a Financial Adviser</title>
        <type>HowcastGuide</type>
        <views>796</views>
        <created-at>Fri, 24 Jul 2009 04:07:34 -0700</created-at>
        <rating>4</rating>
        <username>pscerri</username>
        <description>
          <![CDATA[Before you hand over your money to an investment adviser, make sure they have your best interests at heart.  ]]>
        </description>
        <embed>
          <![CDATA[<object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=212507"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=212507" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object>]]>
        </embed>
        <duration>100</duration>
        <filename>http://media.howcast.com/system/videos/1/07/25/21/212507.flv</filename>
        <tags>finance, business, adviser, advisor, financial, madoff, burned, checking, investigating, choosing</tags>
        <category-hierarchy>
          <category id="30">Business &amp; Finance</category>
          <category parent_id="30" id="47">Personal Finance</category>
          <category parent_id="47" id="48">General Personal Finance</category>
        </category-hierarchy>
        <comment-count>1</comment-count>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/212507/check_out_a_financial_adviser_xxlarge_maintained_aspect.jpg</thumbnail-url>
        <permalink>http://www.howcast.com/videos/212507-How-To-Check-Out-a-Financial-Adviser</permalink>
      </video>
      <video>
        <category-id>48</category-id>
        <id>237568</id>
        <title>How To Save Money By Eliminating 10 Things You Don't Need</title>
        <type>HowcastGuide</type>
        <views>3807</views>
        <created-at>Mon, 21 Sep 2009 11:04:09 -0700</created-at>
        <rating>24</rating>
        <username>BARKBARK</username>
        <description>
          <![CDATA[Check out these relatively painless ways to cut back on your expenses. ]]>
        </description>
        <embed>
          <![CDATA[<object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=237568"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=237568" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object>]]>
        </embed>
        <duration>142</duration>
        <filename>http://media.howcast.com/system/videos/6/71/00/24/240071.flv</filename>
        <tags>Save, Money, Finance, Budget, Consume, Consumer, Cost, Price</tags>
        <category-hierarchy>
          <category id="30">Business &amp; Finance</category>
          <category parent_id="30" id="47">Personal Finance</category>
          <category parent_id="47" id="48">General Personal Finance</category>
        </category-hierarchy>
        <comment-count>6</comment-count>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/237568/save_money_ten_things_hdstill02_xxlarge_maintained_aspect.jpg</thumbnail-url>
        <permalink>http://www.howcast.com/videos/237568-How-To-Save-Money-By-Eliminating-10-Things-You-Dont-Need</permalink>
      </video>
      <video>
        <category-id>48</category-id>
        <id>239119</id>
        <title>How To Help Your Friends and Neighbors Save Money on Energy</title>
        <type>HowcastGuide</type>
        <views>1279</views>
        <created-at>Thu, 10 Sep 2009 13:03:27 -0700</created-at>
        <rating>0</rating>
        <username>CreateTheGood</username>
        <description>
          <![CDATA[Spread the word: It's easy to reduce energy consumption! By sharing these tips, you'll help friends and family use less energy and save money. ]]>
        </description>
        <embed>
          <![CDATA[<object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=239119"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=239119" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object>]]>
        </embed>
        <duration>154</duration>
        <filename>http://media.howcast.com/system/videos/6/06/80/23/238006.flv</filename>
        <tags>AARP,saving,money,friends,neighbors,getting,helping,reducing,environment,using,less,bills,decreasing,smaller</tags>
        <category-hierarchy>
          <category id="30">Business &amp; Finance</category>
          <category parent_id="30" id="47">Personal Finance</category>
          <category parent_id="47" id="48">General Personal Finance</category>
        </category-hierarchy>
        <comment-count>0</comment-count>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/239119/save_energy_hd_1_xxlarge_maintained_aspect.jpg</thumbnail-url>
        <permalink>http://www.howcast.com/videos/239119-How-To-Help-Your-Friends-and-Neighbors-Save-Money-on-Energy</permalink>
      </video>
      <video>
        <category-id>48</category-id>
        <id>268602</id>
        <title>How To Be Smart About Saving</title>
        <type>HowcastGuide</type>
        <views>466</views>
        <created-at>Sun, 01 Nov 2009 04:02:57 -0800</created-at>
        <rating>3</rating>
        <username>BajillionairesClub</username>
        <description>
          <![CDATA[Putting aside and accumulating money is easier with these strategies. ]]>
        </description>
        <embed>
          <![CDATA[<object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=268602"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=268602" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object>]]>
        </embed>
        <duration>127</duration>
        <filename>http://media.howcast.com/system/videos/5/35/08/27/270835.flv</filename>
        <tags>smart,saving,money,finance,accumulating,future,strategies,wealth,rich,retirement</tags>
        <category-hierarchy>
          <category id="30">Business &amp; Finance</category>
          <category parent_id="30" id="47">Personal Finance</category>
          <category parent_id="47" id="48">General Personal Finance</category>
        </category-hierarchy>
        <comment-count>0</comment-count>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/268602/smart_about_saving_hdstill02_xxlarge_maintained_aspect.jpg</thumbnail-url>
        <permalink>http://www.howcast.com/videos/268602-How-To-Be-Smart-About-Saving</permalink>
      </video>
      <video>
        <category-id>50</category-id>
        <id>466</id>
        <title>How To Live on a Budget</title>
        <type>HowcastGuide</type>
        <views>16224</views>
        <created-at>Mon, 17 Dec 2007 07:00:24 -0800</created-at>
        <rating>42</rating>
        <username>bender</username>
        <description>
          <![CDATA[They don’t call it minimum wage for nothing ...

How’s a guy supposed to get ahead, breaking his back 24-7, when all it gets you is chicken scratch?

My friend, you need a budget.]]>
        </description>
        <embed>
          <![CDATA[<object width="425" height="352" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=466"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=466" type="application/x-shockwave-flash" width="425" height="352" allowFullScreen="true" allowScriptAccess="always" ></embed></object>]]>
        </embed>
        <duration>146</duration>
        <filename>http://media.howcast.com/system/videos/4/66/04/466.flv</filename>
        <tags>DIY, Instructional, tutorial, Do It Yourself, Tips, Essential Skills, Learn to, business, live, on, budget, broke, cheap, poor, get, by, spend, less, money, minimum, wage, college, university, student</tags>
        <category-hierarchy>
          <category id="30">Business &amp; Finance</category>
          <category parent_id="30" id="47">Personal Finance</category>
          <category parent_id="47" id="50">Budgeting</category>
        </category-hierarchy>
        <comment-count>14</comment-count>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/466/Business.How_to_Live_on_a_Budget_SD_xxlarge_maintained_aspect.jpg</thumbnail-url>
        <permalink>http://www.howcast.com/videos/466-How-To-Live-on-a-Budget</permalink>
      </video>
    </related-videos>
    <comments count="4"/>
  </video>
</howcast>
