This is a recording of a webinar held by Victorian Small Business Commissioner Lynda McAlary-Smith on Wednesday 5 February 2025. It provides an overview of the farm debt mediation process.

Did you know that creditors can’t pursue a farm debt in arrears until they’ve satisfied the Victorian Small Business Commissioner that they’ve mediated, or attempted to mediate, in good faith with the farmer in arrears?

This protection is legislated in the Farm Debt Mediation Act 2011, which provides farmers with the right to mediate farm debt.

Mediation provides an equitable opportunity for farmers and creditors to sit down together and develop a workable solution to resolve farm debt disputes.

www.daveramsey.com/speakers
Chris Hogan stirs audiences to action wherever he speaks. Whether Chris is delivering a keynote on personal money management or teaching an all-day leadership training for business owners and professionals, your audience will be entertained and challenged.

Chris Hogan is a sought-after, diverse speaker who loves to challenge, motivate and encourage business leaders, real estate professionals, military personnel and students to be their very best—no matter what!

www.daveramsey.com/speakers

How to consolidate credit card debt using three different methods.
LightStream Loans: http://bit.ly/LS_DebtConsolidation
(I may be compensated by LightStream through this link.)

Please subscribe: https://www.youtube.com/c/HonestFinance?sub_confirmation=1

If you want to know how to get rid of credit card debt, then you’re watching the right video. I’ll be covering why you’d want to consolidate credit card debt, which has to do with your credit utilization score and credit card interest.

I’ll also be covering 3 unique ways to consolidate credit card debt that I believe work the best. Getting a personal loan, balance transfer offers and cash-out refinancing are the three ways to consolidate credit card debt that I’ll be covering.

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— Resources and Recommendations —

DISCLAIMER: This video description contains affiliate links, which means if you click through the links, I can receive a small commission (at no cost to you). This helps support the channel and allows me to continue making in-depth content for you. Thanks for the support.

COURSES I RECOMMEND:
– How to Grow and Rank on YouTube: http://bit.ly/YTRankingAcdmy

BOOKS I RECOMMEND:
– Get 2 Free Audiobooks from Audible: http://bit.ly/AudibleFreeTrial_HF (Because leaders are readers 🙂

– The $3 Book that Changed my Life: http://amzn.to/2DuHmIy

– Best Book on Time Management: http://amzn.to/2Cj59hG
– Best Book on Investing/Stock Market: http://amzn.to/2DtEM5E
– Best Book on Budgeting/Debt: http://amzn.to/2Ekyszc
– Best Book on How Money Works: http://amzn.to/2Eaqdp5

INVESTING AND LOANS:
– Check out Betterment for automated, low-fee investing: http://bit.ly/Betterment_Investing

– Get a Free Stock for trying Robinhood: http://bit.ly/robinhood_hf

– Lightstream loans is who I recommend for any auto loans, personal loans or debt consolidation. They have the best rates and don’t charge any fees or pre-payment penalties. http://bit.ly/lightsteam_loans

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SOCIAL MEDIA:
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Welcome to the Honest Finance Channel!

I’ll give you the honest truth about a variety of financial topics in a way that actually makes sense. I’m not a financial advisor and I’m not here to advertise a bunch of products. I simply want to share my financial advice with anyone who will listen.

Help me translate my videos: http://www.youtube.com/timedtext_cs_panel?c=UCNGiXK9ZsxIzY-3g_TPilBQ&tab=2

#honestfinance

The best personal loan companies I found online in 2019!
LightStream Loans (My #1 Pick): http://bit.ly/lightsteam_loans
(I may be compensated by LightStream through this link.)

Watch more loans/interest videos: https://www.youtube.com/watch?v=1CpSMo7To2U&list=PLOmIpJDqCR-Kkqklbt4pRpcL7LnLZgNfl

Please subscribe: https://www.youtube.com/c/HonestFinance?sub_confirmation=1

If you’re looking for a personal loan online, then this video should help you out quite a bit. I had to do a lot of research for a personal loan in my own life, so I’d like to share the best personal loan companies that I found online.

When it comes to personal loans, there’s too many lenders to choose from, so I’ve narrowed them down to 4 specific personal loan options. Each of these lenders does not charge an origination fee and they’ve all got great rates and terms to choose from.

I’d consider them all low interest personal loans, because they’ve got the best rates in the industry. So if you need to pay off credit card debt, consolidate debt, or you just want to improve your home, then a personal might be for you.

I’ll be covering Marcus Loans by Goldman Sachs, LightStream Loans by SunTrust Bank (my favorite), American Express Personal Loans and TD Loans as well. All of these personal loan companies have great rates and loan options for every type of consumer. Some are great options if you need a personal loan with bad credit and others require excellent credit for the best rates. Enjoy the video and please share it!!! Thanks.

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– CHANNEL RELATED RESOURCES AND RECOMMENDATIONS –

This channel covers a broad range of financial topics that’ll give your life and finances more value. Consider subscribing to Honest Finance for more related videos:
https://www.youtube.com/c/HonestFinance?sub_confirmation=1

– POPULAR PLAYLISTS –

Car Buying:
https://www.youtube.com/watch?v=rwOcAHTH4Os&list=PLOmIpJDqCR-L6xTFH83iG-hGK9aDpy17r

Loans and Interest:
https://www.youtube.com/watch?v=1CpSMo7To2U&list=PLOmIpJDqCR-Kkqklbt4pRpcL7LnLZgNfl

Amazon Reviews (like Audible, Prime, Visa):
https://www.youtube.com/watch?v=GetFVRzw3_U&list=PLOmIpJDqCR-Jb53gogjHvGsAn0XGXxFiE

Stock Market and Investing:
https://www.youtube.com/watch?v=uRBqoRfnH9w&list=PLOmIpJDqCR-J5YB7foTH-5ayM4tpRgVn8

Credit Cards:
https://www.youtube.com/watch?v=KyA_RygVbYg&list=PLOmIpJDqCR-LRMsepGvSHI6nP1vi9h9wH

Buying and Selling on ebay:
https://www.youtube.com/watch?v=XWHcCfl_m2U&list=PLOmIpJDqCR-Ln1EkbLuksV8KINQf9uQOl

– RECOMMENDED PRODUCTS/SERVICES –

DISCLAIMER: This description contains affiliate links, which means if you click through the links, I can receive a small commission (at no cost to you).

The average millionaire reads more than 2 book per month, so I’d suggest reading more right now. Audible is a great source for reading and they’ve got every book you can think of. Here’s a link to get 2 free audiobooks from Audible.
https://amzn.to/2O9mMUI

If you’re want to invest, but you don’t want to do all the work, look into Betterment for automated, low-fee investing. They’ll help with everything and are one of the best online advisers I’d recommned.
http://bit.ly/Betterment_Investing

If you want to invest in the stock market yourself, check out M1 Finance, because you can buy partial shares (which is awesome) and trades are free to make as well.
http://bit.ly/HF_M1Finance

If you’re in need of a personal or auto loan, check out LightStream Loans. They have the best rates and don’t charge any fees or pre-payment penalties.
http://bit.ly/lightsteam_loans

And if you want to start a YouTube channel, here’s a great course called “YouTube Ranking Academy” by Sean Cannell.
http://bit.ly/YTRankingAcdmy

– SOCIAL MEDIA –

Facebook: https://www.facebook.com/honestfinancechannel
Instagram: https://www.instagram.com/honestfinance/
Pinterest: https://www.pinterest.com/honestfinance/
Twitter: https://twitter.com/FinanceHonest

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Welcome to the Honest Finance Channel!

I’ll give you the honest truth about a variety of financial and life improvement topics in a way that actually makes sense. I’m not a financial adviser and this is all my opinion, so take my advice for informational and entertainment purposes only. I simply want to share my financial advice with anyone who will listen.

#honestfinance

Credit Salvage Credit Clearance and Debt counselling Services. Contact us today if you need assistance with bad debt, credit clearance, ITC Clearance and debt counselling.

Our website link https://www.creditsalvage.co.za

Contact numbers
0878980895

Barry Davis, Divorce Mediator in Manhattan Beach, CA

www.davismediation.com

Today’s top stories: Around a dozen towns in Italy are in lockdown as authorities race to contain the biggest outbreak of coronavirus in Europe, Love Island has dedicated the final episode of its winter series to Caroline Flack, and weather alerts have been issued for snow, heavy rain and wind across the UK.

? Coronavirus: Towns locked down in Italy as North Korea quarantines foreigners https://trib.al/mKK8c5t
? Love Island dedicates final to Flack with tearful tribute from Laura Whitmore https://trib.al/LnAZ4ft
? Alerts issued for snow, heavy rain and wind as Eustice defends PM over UK floods https://trib.al/FpkVWoM

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Chapter 22 – Communication & Financial Counselling – Part II