The advice given in this video is very misleading, misinformed and is of limited usefulness. I encourage you to remove this video and redo it upon more research. You should tell your members to check their state's law regarding contractor down payments. For example, in California, state law prohibits any contractor from charging more than 10% of the total job cost or $1,000, whichever is less, for a down payment. Anything more is in direct violation of the law. I encourage you to offer more information that cites specific law and to direct your members to states' web sites. Videos that treat one specific topic in detail would be most useful.