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    <category-id>55</category-id>
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      <category parent_id="47" id="55">Fast Cash</category>
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    <easy-steps>true</easy-steps>
    <created-at>Wed, 03 Sep 2008 06:01:28 -0700</created-at>
    <filename>/system/videos/5/36/89/02/28936.flv</filename>
    <tags>business, finance, personal, fast, cash, finding, loan-shark, loan, shark</tags>
    <title>How To Find a Legal Loan Shark</title>
    <description>
      <![CDATA[Looking for fast cash with no questions asked? There are legitimate ways to get it, if you're willing to pay the consequences.]]>
    </description>
    <permalink>http://www.howcast.com/videos/28936-How-To-Find-a-Legal-Loan-Shark</permalink>
    <edit-url>http://www.howcast.com/videos/28936-How-To-Find-a-Legal-Loan-Shark/edit</edit-url>
    <state>approved</state>
    <duration>119</duration>
    <width>640</width>
    <height>360</height>
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    <rating>6</rating>
    <username>ThirdPro</username>
    <thumbnail-url>http://img.howcast.com/system/thumbnails/28936/legal_loan_shark_hd_3_xxlarge_maintained_aspect.jpg</thumbnail-url>
    <views>8045</views>
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      <titlecard>false</titlecard>
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      <overlays>false</overlays>
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    <ingredients>
      <ingredient>
        <![CDATA[A credit card with unused credit]]>
      </ingredient>
      <ingredient>
        <![CDATA[A tax refund]]>
      </ingredient>
      <ingredient>
        <![CDATA[A car]]>
      </ingredient>
      <ingredient>
        <![CDATA[A small loan company]]>
      </ingredient>
      <ingredient>
        <![CDATA[A signature loan company]]>
      </ingredient>
      <ingredient>
        <![CDATA[A payday loan]]>
      </ingredient>
    </ingredients>
    <markers>
      <marker>
        <id>44467</id>
        <position>1</position>
        <timemarker>24</timemarker>
        <type>Step</type>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/28936/24.jpg</thumbnail-url>
        <title>Consider a cash advance</title>
        <textile-text>
          <![CDATA[If you have a low-interest credit card you haven't maxed out, consider taking a cash advance. But check your interest rate first -- some are as high as 33%. ]]>
        </textile-text>
        <text>
          <![CDATA[<p>If you have a low-interest credit card you haven&#8217;t maxed out, consider taking a cash advance. But check your interest rate first &#8212; some are as high as 33%.</p>]]>
        </text>
      </marker>
      <marker>
        <id>44468</id>
        <position>2</position>
        <timemarker>37</timemarker>
        <type>Step</type>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/28936/37.jpg</thumbnail-url>
        <title>Get an advance on your tax refund</title>
        <textile-text>
          <![CDATA[At tax time, you can get a "refund anticipation loan" from some tax preparers. Just realize you'll be forfeiting about 10% of your refund check just to get the cash a couple of weeks earlier.]]>
        </textile-text>
        <text>
          <![CDATA[<p>At tax time, you can get a &#8220;refund anticipation loan&#8221; from some tax preparers. Just realize you&#8217;ll be forfeiting about 10% of your refund check just to get the cash a couple of weeks earlier.</p>]]>
        </text>
      </marker>
      <marker>
        <id>44469</id>
        <position>3</position>
        <timemarker>50</timemarker>
        <type>Step</type>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/28936/50.jpg</thumbnail-url>
        <title>Use your car as collateral</title>
        <textile-text>
          <![CDATA[Get what is known as a "car title pawn" -- if you can stomach an annual interest rate of up to 360%. The amount you can borrow is way less than the value of your car, but you get to keep driving it unless you miss a payment.]]>
        </textile-text>
        <text>
          <![CDATA[<p>Get what is known as a &#8220;car title pawn&#8221; &#8212; if you can stomach an annual interest rate of up to 360%. The amount you can borrow is way less than the value of your car, but you get to keep driving it unless you miss a payment.</p>]]>
        </text>
      </marker>
      <marker>
        <id>44470</id>
        <position>4</position>
        <timemarker>65</timemarker>
        <type>Step</type>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/28936/65.jpg</thumbnail-url>
        <title>Visit a licensed lender</title>
        <textile-text>
          <![CDATA[Borrow money from a licensed small loan company, or head to a signature loan company, which won't require you to put up any collateral. Both could charge you up to about 48% in annual interest.]]>
        </textile-text>
        <text>
          <![CDATA[<p>Borrow money from a licensed small loan company, or head to a signature loan company, which won&#8217;t require you to put up any collateral. Both could charge you up to about 48% in annual interest.</p>]]>
        </text>
      </marker>
      <marker>
        <id>44471</id>
        <position>5</position>
        <timemarker>77</timemarker>
        <type>Tip</type>
        <thumbnail-url></thumbnail-url>
        <title></title>
        <textile-text>
          <![CDATA[If you're a member of the military, don't resort to high-interest lenders before finding out if your branch of the armed services offers financial help. ]]>
        </textile-text>
        <text>
          <![CDATA[<p>If you&#8217;re a member of the military, don&#8217;t resort to high-interest lenders before finding out if your branch of the armed services offers financial help.</p>]]>
        </text>
      </marker>
      <marker>
        <id>44472</id>
        <position>6</position>
        <timemarker>86</timemarker>
        <type>Step</type>
        <thumbnail-url>http://img.howcast.com/system/thumbnails/28936/86.jpg</thumbnail-url>
        <title>Secure a "payday loan"</title>
        <textile-text>
          <![CDATA[Secure a "payday loan" — a cash advance against your paycheck. But check your local law at "www.paydayloaninfo.org":http:// before you do; some states limit the amount of interest that these lenders can charge, while others don't — which explains why the average annual interest rate on these loans is a whopping 460%. ]]>
        </textile-text>
        <text>
          <![CDATA[<p>Secure a &#8220;payday loan&#8221; — a cash advance against your paycheck. But check your local law at <a href="http://">www.paydayloaninfo.org</a> before you do; some states limit the amount of interest that these lenders can charge, while others don&#8217;t — which explains why the average annual interest rate on these loans is a whopping 460%.</p>]]>
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      </marker>
      <marker>
        <id>44473</id>
        <position>7</position>
        <timemarker>110</timemarker>
        <type>Fact</type>
        <thumbnail-url></thumbnail-url>
        <title></title>
        <textile-text>
          <![CDATA[Seventy percent of Americans live paycheck to paycheck, making them vulnerable to predatory lenders. ]]>
        </textile-text>
        <text>
          <![CDATA[<p>Seventy percent of Americans live paycheck to paycheck, making them vulnerable to predatory lenders.</p>]]>
        </text>
      </marker>
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        <title>How To Save Money By Eliminating 10 Things You Don't Need</title>
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        <created-at>Mon, 21 Sep 2009 11:04:09 -0700</created-at>
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        <username>BARKBARK</username>
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          <![CDATA[Check out these relatively painless ways to cut back on your expenses. ]]>
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        <views>1281</views>
        <created-at>Thu, 10 Sep 2009 13:03:27 -0700</created-at>
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          <![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. ]]>
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        <views>469</views>
        <created-at>Sun, 01 Nov 2009 04:02:57 -0800</created-at>
        <rating>3</rating>
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        <description>
          <![CDATA[Putting aside and accumulating money is easier with these strategies. ]]>
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        <created-at>Mon, 17 Dec 2007 07:00:24 -0800</created-at>
        <rating>42</rating>
        <username>bender</username>
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          <![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.]]>
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        <title>How To Stop Spending Money For 30 Days</title>
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        <views>209</views>
        <created-at>Fri, 20 Nov 2009 05:29:47 -0800</created-at>
        <rating>2</rating>
        <username>carlo_scialla</username>
        <description>
          <![CDATA[Once you see how much you can save when you spend only on needs rather than wants, you may never go back to frivolous shopping. ]]>
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        <filename>http://media.howcast.com/system/videos/5/59/36/28/283659.flv</filename>
        <tags>stop,spending,money,thirty,days,budgeting,saving,finances,cash,economy,shopping</tags>
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        <title>How To Consolidate Debt</title>
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        <views>1480</views>
        <created-at>Fri, 06 Mar 2009 05:47:51 -0800</created-at>
        <rating>10</rating>
        <username>bencheek</username>
        <description>
          <![CDATA[Combine your debt into one manageable chunk to minimize interest rates. ]]>
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