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[ "answering the phone. Have you tried emailing us? Yes I have emailed. Okay well that's all you can do, you have to", "email it through and someone will get back to you when they can. And what would be the time frame?", "Well it's up to them, that's not in my department, I can't help you, you need to do it online. So is", "there someone that you might be able to ask that would assist? No sorry can't help you, it's all done online", "within our online team, I don't know what more you want me to do. Is there maybe you could ask", "somebody if they could help with this? Well no because I'm the only one here and I haven't had lunch and I", "can't leave, so you're just gonna have to go back online, wait for someone to call you and go from", "there. This isn't my area, if you want to buy something, I can help you. Okay this is terrible", "customer service, is there not a manager or someone that I could talk to?", "We do have an online chat room that you can lodge a dispute with,", "but I don't have anyone here that you can speak with.", "Okay, well, I'll need to follow this up with someone then.", "Thank you for not being helpful.", "Okay, great.", "Thank you so much.", "That's not a problem.", "Have a lovely day.", "Bye.", "Hello, how are you?", "Good, thanks.", "How are you?", "Good, thank you.", "I'm just wondering if I could return this, please.", "I've bought one for my husband on the weekend, and he's already received it.", "So is it possible that I could get a refund for that?", "Yeah, absolutely.", "Had you lodged something online yet?", "I did, but nobody seems to have gotten back to me yet,", "so I thought I'd just pop into the office.", "Okay, sorry about that.", "Usually our turnaround is 24 hours, but I can definitely help you with that.", "Okay, great.", "Thank you.", "Okay, I'll just look up some of your details here.", "What was your name?", "Cherie Montgomery.", "Perfect.", "I can see you purchased that on the weekend with a credit card,", "and would you like that refund?", "Would you like to get a refund back onto the credit card?", "That would be wonderful.", "Wonderful.", "I can take care of that from here, and you'll receive that within 10 business days.", "Is there anything else I can help you with?", "No, that's been wonderful.", "Thank you.", "Perfect.", "Have a great day.", "Bye." ]

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[ "I'd like to personally welcome you to 5-Minute Finance.", "5-Minute Finance is our quick hit video series focusing on important financial matters.", "No, each video is not 5 minutes, but they're short, usually under 5 minutes.", "We'll try not to get too deep into the weeds on any topic, but give you a brief overview.", "When you find a topic that you're more interested in, you can dig in.", "If you come across a topic that you're not interested in learning about, you know without giving up a significant part of your life.", "Otherwise, you can become Cliff Clavin of financial information by knowing a little bit about everything.", "If there are topics you'd like addressed, shoot us an email at info at parklakeadvisors.com, and we'll see what we can do.", "Thank you.", "Thank you, and enjoy.", "Thank you." ]

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[ "For people that really desire privacy, you have to go with the best and fuck the rest.", "People bring up Mimble Wimble.", "Guys, at the Crypto Vigilante, think about it this way.", "If I was your nutritional coach, I won't tell you to settle for McDonald's.", "It's still food, but that's what Mimble Wimble is to me when it comes to privacy.", "Don't fucking touch that.", "Anything that is not the best, put it aside.", "Because you're talking about your survival.", "Privacy coins are not a place to hedge a bet or play the market.", "No, privacy coins are necessary to survive any type of tyrannical event.", "And as we're seeing, these tyrannical events are just exploding all over the world." ]

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[ "ICICI Bank unifies all your tax filing needs on the Corporate Internet Banking platform.", "Here's a simple 8-step process for the same.", "Start by logging in to Corporate Internet Banking.", "Navigate to the Dashboard section and select the Tax EPFO ESIC tab.", "Select the option of Tax Payment and further select Pay GST.", "Enter your account number or chalan number with the amount to be paid.", "Click on Proceed after reviewing the details entered.", "Enter the OTP received on your registered mobile number", "and the grid values mentioned at the back of your debit card.", "Click on Submit.", "That's it! Your GST payment is done.", "Easy, wasn't it?", "Now pay your taxes from the comfort of your home or office", "with ICICI Bank Corporate Internet Banking.", "For more information, log on to www.icicibank.com", "ICICI Bank" ]

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[ "Infosys के co-founder Narayan Murthy जो उस वक्त ICICI bank के board member भी थे", "वो bank से अपनी 1000 करोड की FD तोड़ देते", "ये ख़वर आग की तरफ फेल जाती है और लोग ATM की तरफ भागने लगते", "इस खराब हालत में ICICI bank की CEO बनती है चंदा कोचर", "चार्ज हात में आते ही वो retail और transactional banking की तरफ focus करती है", "गौर तलब है कि उनके ही tenure में ICICI के profits डबल हो जाते", "और banking industry में उनका contribution देख", "2011 में भारत सरकार उन्हें पद्म भूशन से भी सन्मानित करती है", "लेकिन शायद नियती को कुछ और ही पसंद था", "देखते देखते ICICI के bad loans 9400 करोड से 53400 करोड हो जाते है", "और इस भी चंदा कोचर पर वीडियो कॉन ग्रूप के वेनु गोपाल दूत को", "loan देके indirectly खुद को फाइदा पहुचाने का आरोबी लगता है", "जिस वज़े से आज वो जेल में हो" ]

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[ "bank से related कोई भी OTP password कभी भी किसी शेयर ना करें ऐसा करने से आपके bank account में", "fraud हो सकता है लेकिन क्या यदि आप किसी से भी कोई information ना share करें फिर भी आपके bank account", "में बहुत सारे information ना share करें तो यदि आपके साथ में बगवान ना करें कभी ऐसा हो या कभी भी किसी", "customer के साथ में कोई bank fraud हो जाता है जिसमें customer की कोई fault नहीं है उस case में यदि customer", "तीन दिनों के अंदर bank को information देता है उस fraud की तो RBI के according उस customer की zero liability होगी", "पूरी liability bank उठाएगा जी हाँ दोस्तों तो इस वीडियो को जा से लाइक करें और share करें जिसलिए की हर जरूरत में रखते ही तक", "ये वीडियो पहुंच सके और ऐसे ही information वीडियो के लिए हमें subscribe करना ना भूलें" ]

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[ "Wait, that can't be right, can it? But it is!", "According to a recent survey from Time Magazine's NextAdvisor,", "just 21% of adults with bank accounts have a high-yield savings account,", "and 35% of people put money directly into low-yield savings accounts at a traditional", "brick-and-mortar bank. I'll back up those survey results.", "It seems that almost weekly, I have a conversation with someone about finances,", "and I ask, do you have a high-yield savings account?", "And the answer is no. My goal in 2023 is to fix that.", "In this video, we're going to talk about the pros and cons of opening a high-yield savings account.", "But first, let's make sure we understand what a high-yield savings account is.", "If you have a checking account at your local bank, you likely have a savings account there too.", "Because for decades,", "that's what you did. That's what your parents did. That's what your grandparents did.", "But when the financial crisis hit in 2008, traditional brick-and-mortar banks stopped", "paying interest and never started again, even as interest rates rose back up.", "A high-yield savings account is a type of savings account that typically offers a higher interest", "rate than a traditional savings account. But most often, these savings accounts are", "only available at online banks. And that makes sense.", "A traditional bank like Bank of America, Wells Fargo, or Chase has thousands of physical branches", "all over the country, and that costs money. Real estate costs, labor costs, insurance costs,", "just lots of costs. And these banks figured out that they could save money, cover these costs,", "and increase earnings if they just stopped paying interest to customers and kept it for themselves.", "Brilliant, Wall Street analysts said. And so it began.", "But this is where online banks saw opportunity. These newer banks are almost 100% online.", "You can't go into a local branch. You have to jump hoops to talk to a human being.", "But because of this, the operational costs of these banks are much lower,", "so they can pass on these savings to customers in the form of higher interest rates.", "In many cases, 10 times more than normal. Traditional bank savings accounts consistently", "hover around the world. And so they can save money.", "But the real problem is that these banks are only paying 0.01% and 0.05%. That is literally pennies.", "Currently, many high-yield savings accounts are paying north of 3%, and some are paying 4%.", "And because these savings accounts often compound interest daily, you're earning interest each day.", "And you don't have to start with that much to save over time.", "Let's say you've set aside $25,000 in your emergency fund and kept it at your local brick-and-mortar bank.", "Because that's what you've always done. Well, your annual interest hovers between $25 and $125.", "What if instead you decided to open an online high-yield savings account and deposit it there?", "At a current rate of 3.3% compounded daily, you would earn $838. That is a massive difference", "and is basically free money just waiting for you. That money could go pay down debt,", "go towards a vacation, help you with your business, or even just go to a bank.", "You could also save up to $3,000 in your college fund.", "So what if you had $100,000 in savings? That is $3,354 a year that you are missing out on.", "And there are even more benefits than that.", "But before we get into those, this is a perfect spot to point out important disclosures.", "The information in this video is for educational purposes. This is not specific financial planning,", "health insurance, or investment advice. This is just a general piece of advice.", "Whether you are just starting to save or you are a season saver, a high-yield savings account is a great option to help you reach your financial goals and grow your savings.", "Another significant benefit of high-yield savings accounts is the security.", "You aren't risking your hard-earned savings in any investment, and high-yield savings accounts are a great way to save money.", "High-yield savings accounts offer FDIC insurance against loss from fraud or bank failure, up to $250,000 for an individual and up to $500,000 for joint accounts.", "For funds you are saving for a short-term goal or emergency fund that shouldn't be at risk, high-yield savings are often a perfect spot.", "You know I love flexibility, and this account maintains it.", "The funds in your high-yield savings are accessible if you ever need to tap into them.", "High-yield savings accounts are great for an emergency fund.", "According to federal law, high-yield savings accounts allow you to withdraw or transfer your cash out of the account up to 6 times per month without paying any fees.", "There aren't any penalties or additional costs, like monthly fees that some brick and mortar banks charge on their accounts.", "Most high-yield savings accounts have low or no minimum deposits or minimum balance requirements.", "The ease of use for these accounts is typical for high-yield savings accounts.", "an advantage as long as you're comfortable online these banking apps", "are typically some of the most intuitive out there you can make a transfer or", "check a balance in less than a minute with a click of a few buttons on your", "phone tablet or computer so where do you compare high-yield savings accounts to", "determine the best one for you typically I go to bank rate comm I click on the", "button that says high-yield savings here you can scroll to see the offers from", "different banks and if you click on the show more button you can see more and", "more offers before choosing the one you like the best I think the bank rate comm", "is one of the easiest comparison tools out there and updates their data very", "regularly while there are a lot of upsides to putting your money into a", "high-yield savings account there are a few downsides to keep in mind while some", "online savings accounts offer ATM cards for easy cash withdrawals not all online", "banks are going to be able to do that so I think it's important to keep in mind", "to do that so I think it's important to keep in mind while some online savings", "do many times if you need cold hard cash in your hands you would need to", "transfer some of your online savings to a brick-and-mortar bank to use an ATM", "withdrawal interest rates on high-yield savings accounts are variable and they", "can fluctuate at any time so while a bank may advertise a high interest rate", "when you apply it is subject to change depending upon the current interest rate", "environment while the convenience of online access is a perk for many people", "the fact that most online savings accounts offer ATM cards for easy cash", "withdrawals because they come with PSUiss advance is a horribly less expensive change", "rate the fixed light is too bulky at the fixed Simone bank so they're commonly", "bucked to a very compact format and you need a cheaper version because of the", "relatively high defaulted and so is the nayımario", "so anytime you are in the cash flow you might have found that even though it's", "an e bert VND account it may not be in your bank itself if you are in one of those banks", "encryption available. Dual factor authentication often adds an extra layer of security. Another", "thing to consider is that while you can grow your money daily and take on zero risk with high yield", "savings, they are not the best way to grow your wealth long term. Once you've stockpiled a nice", "emergency fund and save for your goals, you should probably look at different investment strategies", "for excess funds. Fortunately for you, you're in the right place because on this channel,", "I discuss a lot of different strategies you can use once your emergency fund is in place. You", "should check out this video next in order to supercharge your financial life and don't forget", "to subscribe. It really helps the channel grow and educate. You can do that right now." ]

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[ "तुने लोन लिया नहीं होगा, बट तेरे नाम पर किसी और ने पक्का लिया है, लेकिन कैसे, देख, तिलंगाना में पांच लोगों ने मिलकर एक फेक कंपनी बनाई, अपने टाउन के 53 लोगों को सस्ते लोन का लालच देखा, उनके आधार और पैन कार्ड लिया है, और �", "उससे उनके सैलरी अकाउंट्स खुलवा दिया, आईसी आईसी आई बैंक में, उसके बाद हर महीने एक दो लाग की सैलरी भी भेजी, और डेबिट क्रेडिट कार्ड खुदी रख लिये, और एक दिन सभी के क्रेडिट कार्ड को यूज़ करके, 1.3 करोड का कैश निकाला,", "और फरार हो गए, जब तक उन बेचारे लोगों को पता चला कि उनके नाम पर एक बहुत बड़ा फ्रॉड हो गया, तब तक उनका सिबिल स्कोर डिस्ट्रॉय हो चुका था,", "पर मैंने तो अधार और पैम किसी को नहीं दिया यार, तूने नहीं दिया, बट ज़रा सोच कितनी चीज़े अपलाए करते वक्त हम ये डॉक्यूमेंट अपलोड करते हैं, इसको बिल्कुल लाइटली मत लेना, बहुत सिंपल सॉलूशन है, वन स्कोर एप डाउनलोड कर,", "इसमें सारे अक्टिव लोन्स और क्रेडिट कार्च दिख जाएंगे, और कोई ऐसा लोन दिखे जो तूने नहीं लिया है, उसको यहीं से रिपोर्ट कर सकता है, साथ में सिबिल स्कोर गिर क्यों रहा है, उसका रीजन भी पता चलेगा, और उसको ठीक कैसे करना, उसका टि", "लोन्स एक बार जानते हैं।" ]

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[ "That you want it well", "Ooh, and well" ]

[ 1, 1 ]

[ "अनुवर्ण बंदा आपको गलती से पैसा भेज देता है 50-70 रुपए बोल फून फिर आपको कॉल करेगा यह मैसेज करेगा", "जरूर करेंगे यह कब ऑनलाइन आएगा वह आपको कब पैसा भेजेगा अगर आपको कोई भी ऐसा केस होता है तो आप उनको", "फिजिकली पैसा ट्रांसफर करो ना कि यूपीआई पैसा ट्रांसफर करो" ]

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[ "Good Morning Sir. Please take a seat.", "How can I help you?", "Ma'am, I want to open an account in your bank.", "Sure Sir. What is your profession?", "I am a student.", "Okay. What is your income source?", "Ma'am, I do part time job and also get money for educational purpose from my parents.", "Alright. Then you need to open a saving bank account with a minimum opening balance of Rs. 500.", "Okay. Ma'am, please let me know the procedure for this.", "First you have to fill up a form and submit it along with necessary documents.", "What are the documents I have to attach with the application form?", "One passport size photo and Xerox of your Aadhaar card will be required.", "Okay. Ma'am, what else do I need to do?", "That is all. Now please go to counter number 1 and take the form.", "Thank you for your help Ma'am.", "You're welcome." ]

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[ "It's a $100 million venture debt fund known as Valuable. At Valuable, we invest into new age startups, which is into climate tech, inclusives and bar-ups.", "IDFC First Bank, we do have a strategic partnership with them where bank is willing to look into businesses to consider investing into the new age startups at an early stage along with Valuable,", "which makes a winning proposition for both bank, the founders, and us as well.", "Banks will be providing capital at an early stage. Bank capital, of course, will be a perpetual one.", "And we will be providing capital at an early stage. Bank capital, of course, will be a perpetual one.", "And we will be providing capital at an early stage.", "Whereas founders avail the financing facility at a low cost of capital", "I said IDFC First Bank has been taken in to the new age businesses, the startup statement.", "It gives a different perspective and connecting by – the ways segment.", "Apart from that, the solutions provide some growth financing perspective has been awesome compared to a temporaryty.", "many other new upcoming banks.", "That's the reason we chose IDFC First Bank as the partner.", "The one word I would like to describe IDFC First Bank", "as the name says, first, it means choose first.", "And then once you try, you can believe in it.", "Thank you." ]

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[ "be talking about the Chase Ink Cash. Now before I go on, I want to remind you that if you're going", "to apply for this or any of the cards we talk about on this channel, please use our links down", "in the description below. We get a little commission and it really helps us out. So with", "that being said, let's jump right in with the basics. Now the signup bonus on this card is much", "smaller than some of the other business credit cards on the market. It's only $500 cash and so", "it's not that great. It's not that fantastic or valuable of a signup bonus, but you also got to", "remember the annual fee. Now the annual fee on this card is 90... Oh wait, it's not actually $95.", "We posted a video a couple of weeks ago where I said it was $95 and I got slammed in the comments.", "Yes, we actually do read them. So that's why we created this updated version. The annual fee on", "this card is $95. We're going to be talking about the annual fee on this card in a little bit. So", "let's get right into it. So the annual fee on this card is nothing. It is $0. That is fantastic. So", "if you think that you can get a $500 signup bonus with no annual fee, this is an absolute no-brainer", "as a business credit card. In terms of earning, you're going to earn 5% cash back on office,", "internet, cable, and phone services, right? So if you're spending a lot on those different", "categories, an easy way to make 5%. So on top of that, you're going to earn 2% back on restaurants", "and gas stations, and then 1% on the internet. So if you're spending a lot on those different", "categories, you're going to earn 2% back on absolutely everything else. So those are really", "the big perks of the card. Let's talk about who is this card good for? Who is this card bad for,", "right? So in terms of who this card good for, if you're a small business owner,", "you don't have a business credit card, this is a great way to start. Like I said earlier,", "there is no annual fee. You're getting a very easy $500 cash back bonus just for signing up", "and getting this card. Additionally, if you're someone that spends a lot of money, right? I know", "these businesses are few and far between anymore, but if you're spending a lot,", "on phone bills every month, if you're spending a lot of money on your internet bills, earning 5%", "cash back, if that's a big cost driver of your business, then this is going to be a great card", "for you. Who is this card bad for? I'd say, I mean, it's really not bad for any business, right?", "But if you're not spending a lot of those 5% categories, it's not going to be great. So that", "being said, thank you so much for watching this video. If you have any questions at all, or if you", "have any comments about how I screwed up, please let us know. We love it. The good, the bad, the", "gnarly. It's all fun. I'll see you next time. Bye.", "Speaker 1 So with that being said, thanks again for watching the video. If you're going to apply", "for this or any of our cards, click the links down below. If you want to get a cool travel tank top,", "maybe a cool eye mask, any of the cool merchandise we sell, it's all over at brainyflights.com. Check", "it out. And then if you really want to learn a lot, a lot about travel hacking, and you want to", "hear me talk for four hours about travel hacking, go to udemy.com. Check out the complete guide to", "travel hacking, sign up and you will be a pro. Your life will change and you'll be the happiest", "person in the world.", "Speaker 1 Thanks so much, everyone for watching. Have a fantastic day." ]

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[ "review the Chase Sapphire Preferred card and go over some of the benefits that it", "has. This is one of the best valued credit cards on the market at the moment", "and it is perfect for anyone who is new to credit cards. To begin with it is well", "priced at just $95 per year and offers the ability to earn a lot of points that", "can be used with a multitude of different loyalty programs. So if you", "find this video helpful I'd really appreciate it if you hit the like button", "as it really helps with the YouTube algorithm. Also if you'd like to see more", "videos like this please consider subscribing as I post new videos each", "week about personal finance, day trading and general news. Okay so let's get", "started. So the Chase Sapphire Preferred credit card is kind of like the little", "brother of the Chase Sapphire Reserve card. It has a way cheaper annual fee of", "just $95 as opposed to the Reserve's annual fee of $550 and it still offers a", "wide variety of bonuses and potential to earn a lot of points just by using the", "card. Let's have a look at what benefits the card offers and see how much the", "bonuses are actually worth.", "First up you will receive 60,000 ultimate reward points after you spend", "$4,000 within the first three months of opening the account and these points are", "worth $750 if they are redeemed through Chase Ultimate Rewards and potentially", "more if you use them through one of the many frequent traveler programs that are", "associated with the card. And if you do not currently hold a Chase Sapphire card", "and have not received a card member bonus in the last 48 months you can earn", "$50 in statement credits that can be used towards grocery store purchases", "within the first year of opening the account. Now let's have a look at some of", "the perks that come with the card. The first bonus you will get is from DoorDash", "and with this offer you will receive a complimentary DashPass membership for at", "least one year and this entitles you to free delivery on orders over $12 and", "reduced fees on qualifying orders. A new bonus that was added to the card last", "year is $60 in statement credits that can be used to pay for a Peloton Digital", "or All Access membership. Peloton offers a wide variety of different exercise programs such as yoga, strength training, and fitness training.", "and cardio routines that can be accessed through your mobile phone, TV, or tablet.", "Now when it comes to traveling the Chase Sapphire Preferred card has a lot of useful benefits. To", "begin with if you use your Chase card to pay for your trip you will be covered by trip cancellation", "and interruption insurance. So if your trip happens to be cut short because you become", "sick or there is severe weather you can be reimbursed up to $10,000 per person and up", "to $20,000 per trip. This includes passenger fares, tours, and hotels. Another useful", "benefit is the Auto Rental Collision Damage Waiver. So to use this benefit", "basically when you hire a car from a rental agency as long as you use the", "credit card to pay for the entire trip you can decline the rental agency's", "collision insurance which can sometimes cost a fair bit. And Chase will provide", "primary coverage for the car and reimbursement up to the actual cash", "value of the car for theft and collision damage in the US and abroad. Next up you", "will receive baggage delay insurance which will reimburse you up to $100 a", "day if your baggage is", "delayed for more than 22 hours.", "along with this you will also get trip delay reimbursement so if your trip is delayed for", "more than 12 hours and requires an overnight stay you and your family will be covered for", "unreimbursed expenses such as meals and lodging up to a total of 500 per ticket the chase sapphire", "preferred card also comes with shopping protection when you use your card for certain purchases", "to begin with you will get purchase protection which will cover new purchases for 120 days against", "damage or theft up to 500 per claim and a maximum of 50 000 per account and then you also get", "extended warranty protection so this basically extends a warranty by an extra year on any us", "manufacturer's warranty that is three years or less so these are the travel and shopping related", "benefits that come with a card so now let's look at how many points you can earn and what they are", "worth first up you will earn five times points on all your purchases and you will also get a", "lift rides until march 2022 then from here you will earn two times points on all dining and", "travel related expenses you will also earn two times points on grocery store purchases up to a", "total of one thousand dollars per month so you can earn a fair amount of points by taking advantage of", "the card and using it wisely another fantastic benefit that the card offers is a one for one", "point transfer with a large range of different frequent traveler programs that include airlines", "and hotels some of the airlines include british airways executive club", "singapore airlines chris flyer united mileage plus and emirates skywards whilst hotel travel", "partners include world of hyatt ihg reward club and marriott bonvoy finally the chase sapphire preferred", "card has no foreign transaction fees this is a great benefit to have if you do travel overseas", "a fair bit as it can save you a decent amount of money according to the chase website if you were", "to spend five thousand dollars internationally you would avoid paying 150 in foreign transaction fees", "one final way to make the most out of the price of a flight is to pay a fee for a flight to the airport", "sapphire preferred card you can receive 15 000 bonus points for every person that you refer", "up to a total of 75 000 points per year so in my opinion the chase sapphire preferred card is a", "great deal and for only 95 a year it is definitely worth it so that's my review of the chase sapphire", "preferred credit card if you're interested in learning more about it i've left a link in the", "description below i hope you found this video helpful and if you have any questions at all", "please leave a comment down below and i will get back to you with more information about the card", "as soon as possible and as always please like share and subscribe", "and i will see you in the next video", "bye" ]

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[ "ओडिसा में एक ICICI बैंक का इंप्लोई जो कैशिर की पोस्ट पर था", "और बैंक में जब लोग अपना पैसा जमा करवाने आते", "तो वो सारे पैसे लोगों से ले लेता और और वो सारे पैसे ले लेता", "पुलिस ने बड़ी मशकत के बाद इस प्रोट्सर को अरेस्ट कर लिया बाकी इस प्रोट पर आपके क्या विचार हैं इने कमेंट में बताना" ]

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[ "आज आप इस वीडियो लाइक और शेयर करते हुए मैं आपको बताने वाला हूं कि आखिर इसका है और आप कैसे इस स्कैम", "से या इस जैसे और किसी स्कैम से बत सकते हैं एमिन अपने पैसों को बचा सकते हैं नमस्कार दोस्तों मेरा नाम है", "गौरव आप देख रहे हैं टेक्निकल गुरुजी चलिए शुरू करते हैं तो टेल यू वाट अमिन आई डोंट यूज अगर एड कार्ड और", "आपको एक इंटरस्ट फ्री टाइम मिल जाता है इन विपेंडिंग बिलिंग साइकल के आप मैक्सिमम कितने दिनों तक इंटरस्ट", "फ्री अपना जो है वह ट्रांजेक्शन विज्ञा कर सकते हैं आपको सामान आज बिल गया पैसे आपने उसके बाद में दे दी है बट", "एक ट्रैप में फसते हो एंड देन दें इंटरस्ट रेट्स और वह पूरी एक सेक्लॉजी मतलब एक लेवल की है बहुत चीजें", "वे साला सिस्टम मिल जाता है मैं अवाइड करता हूं अपने आपको परस्टनली कि आए डोंट इज अपने कार्ड मैं यह नहीं", "बताऊंगी किसी को ग्रेट कर यूज नहीं करने चाहिए आपको डिपेंड करता है दब वेयर लाइफ स्टाइल इज या देव वेयर", "लोग लेकिन इस टेमिज कोई गुड अब स्कैम क्या हो रहा है कि जो क्रेडिट कार्ड यूजर्स है एक बात तो फर शॉर है", "आप इस बात को बान लीजिए कि जो बंदा क्रेडिट कार्ड यूज करता है कहीं ना कहीं वह अगर हम नॉमल सुसाइडी की बात", "डेटा बतानी कैसे शेयर होता है अगेंड बैंक के जो एंप्लोईज तो लीकेज बहुत जगहों से होती है भाई या बहुत", "सारी कंपनी जो नो डेटा शेयर हो जाता है इजली स्कैमर्स के पास में आ गई है लिस्ट कि हां इस शहर में इस एरिया", "इन्हें यह इससे यह लोग हैं यह इनका फोन नंबर है और इनके पास में इस बैंक का क्रेड कार्ड है वो टेवर", "था बिनो एडेथर लॉप में बहुत सारे लोग होते हैं अ बोर्ड एंट एक सुनाएं और केट काट ऴॉर्ड पॉइंट्स थाप नॉ", "एक्सपायरिंग सून आप इस लिंक पर जाओ और इनको आड कर लो या इनको रिन्यू कर लो या क्लेम कर लो वोटेवर जो उनकी लैंग्विज है", "अब क्योंकि आप एक रेड कार्ड यूज़ करते हैं आपको पता है कि यू है वेड कार्ड फॉर दिस बैंक या वोटेवर और आपको सामने से बोल रहा है कि रिवार्ड पॉइंट से वो एक्सपायर हो जाएंगे तो आप बोलते हैं ओ माई गॉड जिस चीज के लिए वेड", "पॉइंट से बिकॉज आप वहां पर कुछ ने कुछ ऐसा एंटर करते हो अपना ओटीपी या कुछ नंबर या कुछ नाम कुछ डिटेल समझ दें तो इन दब लूजिंग मनी वो शेट नो नहीं है इस नहीं हो सकता यह इस रियालिटी और यह इंडिया में बहुत लोगों", "पर किड़िंग दिस इस रियालिटी द क्रेडिट कार्ड रिवार्ड पॉइंट्स वाला स्कैम और आपको सिर्फ इतना बोलूंगा ऐसा कोई", "अगर मैसेज आए मतलब इन टर्म्स ऑफ वो डिविजिएस को आपको बोलें कि बैंक में कुछ और हो रहा है वोटेवर आईडी", "चेंज के वाइसी प्लब सिमिल कैंड ऑफ सेट अप एड द एंड बेसिकली आपको स्कैमर्स टारगेट करेंगे क्रेड कारण अगर आप", "जाने तो आपको डिफिनिटली रिवार्ड पॉइंट वाले नो लैंग्वेज की ऊपर फसाएंगे और यह बहुत ज्यादा लोगों को", "फसा रहे हैं बहुत ज्यादा यह फास्ट स्पीड से तो गाइस आपको बचना है इसे किसी मेसेज पर कभी भी यकीन नहीं करना", "है किसी भी ऐसे रैंडम लिंक पर क्लिक नहीं करना है कभी डिटेल्स अपना ओटीपी ऐसे शेयर नहीं करना है यार तो", "आई होब कि आप इससे बचोगे अगर बच सकते तो रेड कार्ड से बच लो पहला स्टेप तो वहीं बहुत एक आपके फाइनेस को ठीक", "कर सकता है ऐसा मेरा परसनली मनना है नॉट रियली एन एक्सपर्ट वेट देट्स माय पर्सनी फिलोसोफी अगर आप कर सकते", "हो तो और अगर आप रेड कार्ड यूज भी करते हो वाइजली यूज करो और चीज है अगर आप ढंग से यूज करोगे तो लेकिन", "स्कैम आए तो प्लीज डोंट फॉल फॉर दिम स्टेयर वेयर स्टेयर वेक जागरुक रहो और देखो कि यह चीजें आपको", "फजाने के लिए ही इनवेंट करें लोगों ने और एड देन आपके पैसे जाएंगे और अगर इसको स्कैम होता है आपके साथ तो यू", "नमबर इट्स वन नाइन थी जीरो दोमेन इस आफ रेड जूब डॉट आईए एन गो हेड फाइल ए गंप्लेंट टेक यूर आक्शन ताकि जो", "आपके पैसे गए हैं वह एट लीस्ट क्या पता ब्लॉक हो या रिकवर होकर मिल जाएं या इन ओथरिटीज टेक कंट्रोल", "ऑफ सिचुएशन और वह आपकी मदद कर पाएं और मदद कीजिए बाकी लोगों की इस वीडियो को शेयर करते हुए लाइक", "झाल" ]

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[ "Rewards credit card. So we'll mainly focus on the rewards for this credit card, but we do have a", "full review on our website. If you're watching on YouTube, I will link that in the video description", "below. You can check that out. Before you get this card or any other credit card, you should", "definitely go to our website, read our reviews. I think they're really helpful. So again, if you're", "on YouTube, there's a lot of links to check out in the video description below. So I think overall", "with this card, it's one of the most compelling cashback credit cards out there right now.", "It was interesting before, it's even better now. So let's start with the rewards for the card.", "So it earns unlimited 3% cashback on dining purchases, which would include restaurants,", "cafes, bars, fast food, and more. It earns 3% cashback on entertainment purchases,", "which includes things like movie theaters, professional live sporting events,", "aquariums, theatrical performances, amusement parks, and more. It earns 3% cashback on grocery", "store purchases. And that excludes, by the way, super stores like Walmart and Target.", "And then 3% cashback on popular streaming services like Netflix, Hulu, Disney Plus, and others.", "And then it earns 1% cashback on other purchases. Now on top of that, you do have several different", "redemption options for the rewards that you earn with the card. So you can choose to apply as a", "statement credit to part of your credit card. If you're on YouTube, you can choose to apply as a", "statement credit to part of your credit card. So you can choose to apply as a statement credit to", "or you can get gift cards. And there is an auto redemption option available as well.", "So all that considered, look, I love the fact that it earns 3% cashback in a number of different", "core spending categories. And also it has a $0 annual fee and it doesn't charge any foreign", "transaction fees. So you can use the card outside of the U.S. just like you would inside the U.S.", "and you don't incur a fee in the process. I think it's a solid credit card. And it usually gets a", "$0.00. So I think it's a solid credit card. And it usually gets a $0.00. So I think it's a solid", "bonuses because they could and probably will change. So if you want to see the current situation", "with a signup bonus, check out a full review. I just like that usually there's the opportunity", "to earn that signup bonus. Now, in addition to all of that, the card does come with certain", "features and protections that I think are worth learning more about. And you can find those", "in our full review. I just wanted to do a very short video,", "mostly about the card itself. So I'm going to go ahead and start with the card itself.", "I think it's a solid option for a lot of people out there. If you're spending a lot of your money", "on dining out, grocery stores, and I really like that it pays elevated rewards for entertainment", "purchases. So lots more on creditcards.com. Thanks for watching. Have a great day.", "And I'll see you next week." ]

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[ "सिंस आई प्लांड दे ट्रिप यूव गॉड दे गेट में दे स्लाइस अफ पीजा यूट प्रॉमिस्ट मी नाओ", "अफ कॉस यार विच वन डू वांट", "वैसे लेट्स को फ़ो दे क्लासिक मारगरीटा", "टेल में दिस विद योर डेबिट कार्ड वन द मशीन आस्क्स यू", "पेइ न्यूर और आयन आर वट विल यू पिक", "है? हाँ डस इट मैटर या पिक एनी थिंग", "आई जस वोन मै पीजा", "हाँ एन नाओ लेट मी हेल्प यू", "झाल" ]

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[ "These are areas where obviously American regulations are not in effect. And if American customers are accessing overseas, they call them crypto exchanges, but they're economically speaking, they're casinos.", "Because cryptocurrencies don't do anything productive, and you may have noticed that about them, there was no one economics as a zero sum game.", "It's like playing poker in Vegas. You and I could sit around a table. I might win a hand or you might win a hand.", "But we're not creating any value. We're not putting capital to productive use. We're just trading it back and forth amongst ourselves.", "And meanwhile, the house is taking the rake. In Vegas, they're taking a little bit of money each hand. That's what keeps the lights on the casino.", "So could you win in Vegas? Sure. But over time, the average gambler will lose because that's how they keep the lights on.", "Crypto is an unregulated, unlicensed casino if it's overseas. So your odds are actually even worse. That was my first sort of fundamental insight.", "But it really started with language. It started with these things are not currencies. They are securities, meaning they're investments.", "There are 20,000 cryptocurrencies out there. That's more cryptocurrencies by number than stocks in the major U.S. stock markets.", "And they're effectively structurally penny stocks being sold to the general public. No disclosure, no real investor protection. That's really dangerous.", "That was terrifying when I discovered that.", "Thanks for watching." ]

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[ "What happened?", "This financier sharon is on scam only!", "He is saying that we can save 10 lakh rupees using credit cards!", "I used to do that!", "For spending 3-4 crores per year!", "How are you getting so much cashbacks then?", "Bro! First you read his entire tweet!", "But Gabb...", "Animaon! Don't listen to faceless trolls on the internet!", "I'll explain!", "Do you have a home loan?", "Yes sir! I took a 50 lakh home loan one year back!", "What is your interest rate?", "8.5%", "Aha!", "I got it for only 7% interest rate!", "So I'll save around 11 lakh rupees in interest payments!", "My credit score is 813!", "Yours must be less than 750 no?", "Yeah! I missed some vehicle loan payments!", "And my score reduced to like 713!", "So one of the quickest and the easiest way to improve your credit score is to use a credit card!", "Oh! So if I can improve my score, I can renegotiate the interest rates with my bank!", "Hey! How are you so smart all of a sudden?", "Because I follow my man!", "Man bro!", "Finance with Shahra!" ]

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[ "what's the best investment?", "Because real estate is coming down,", "stocks are coming down.", "And I held this, I just have to,", "I held it up.", "And the little women, you know,", "they were all, oh, I should invest in that?", "I said, yes.", "Give me this.", "They looked at me and said,", "give you $3 for that?", "I said, yes.", "And their brains went,", "why would I give you $3 for that?", "I said, okay, give me two.", "And their brains are going,", "why would we give you $2 for that?", "This is pre-'64 silver.", "You know, Lynette Zhang from,", "she's also from Arizona.", "She's numismatic.", "So I was holding this up here like this.", "And they went,", "they're all at two.", "They forgot to serve my coleslaw.", "And I said, they said,", "why should we give you $2 for this?", "I said, because it's worth this.", "And they said,", "okay, you can save this.", "You can borrow this person a little." ]

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[ "But again, the income can be replaced through term insurance.", "So that's what the sole purpose of term insurance is.", "Earlier the better, you buy at a younger age, the premiums are also lower", "and the premiums remain same throughout the term.", "So human life value cannot be calculated.", "But I'll share the thumb rule, which is minimum should be 10 times of your annual income", "and optimal should be 15 to 20 times of your annual income." ]

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[ "अपने सभी एम्प्लोइस को ओडर दिया", "कि जिनका भी बैंक अकाउंट HDFC बैंक में हैं", "वो इन अकाउंट्स को इमेडियेटली क्लोज करके", "किसी भी दूसरे बैंक में ओपन कर ले", "लेकिन यहाँ पर एक सवाल यहाँ आता है", "कि HDFC बैंक के खिलाफ ये मूफ क्यों लिया गया", "इसको समझने के लिए पहले हमें ये समझना होगा", "कि बैंक गरेंटी क्या होती है", "जब भी गौर्मेंट किसी कॉंट्रेक्टर को काम देती है", "वोटर रिसोस डिपार्ट्मेट ने मैनिंग के कॉंट्रेक्ट्रेक्ट्रेक्टर दिये थे", "लेकिन इन मैंसे आदे से जादा कॉंट्रेक्टर डिपोल्ट करेगा", "और जब डिपार्ट्मेट ने HDFC बैंक को", "HDFC बैंक की बनाईओई बैंक करंटी रिप्रेजेंट करके" ]

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[ "It definitely seems like a smart decision to park your money in this savings account.", "And for some people, taking that safe and secure 3-4% on your money sounds like a great idea.", "But those banks are sneaky.", "Think about it. Right now, we're in a market downturn.", "Pretty much all stocks are down. Indexes are down.", "Why would they be offering you more money?", "Because they're cool with giving you 3-4%", "because they're going to invest your money into all these stocks that are down 30%.", "50%, 70%.", "And since they know that they're going to have your money for at least a year, if not longer,", "because this is a savings account,", "they're definitely happy to give you a little 3% when they make 50% when that stock goes right back up.", "Right now in 2023, I'm doing what the banks are doing.", "And I'm investing in solid ETFs and solid companies that are beaten down bad", "because I know that millionaires are made in a down market.", "And that's where we're at now.", "So follow me to learn more about how to actually grow that wealth." ]

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[ "That's because overdraft protection means the opposite of what it sounds like.", "Banks aren't protecting your money, they're protecting your pride, and they're charging you for it.", "Say you stop for a cup of coffee, but you've only got 40 cents in your checking account.", "Overdraft protection makes sure the guy at the register doesn't know that you can't afford that cup of coffee.", "But the bank takes $35 in return.", "No, don't get up. It's already gone.", "It was a good cup of coffee though, right?", "Confused? Don't worry, you're not alone.", "Polling shows that overdraft protection is poorly understood.", "And so reformers are asking the government to make some changes,", "including requiring greater transparency and putting limits on the fees that banks can charge for these short-term loans.", "Under the current system, America's three biggest banks brought in $1.1 billion from overdraft fees alone in the first three months of 2015.", "They're on track to net $4.5 billion from the fees this year.", "That's almost $20 for every American adult.", "Now isn't that something?", "More than a third of the food produced worldwide is wasted each year.", "That's some 1.3 billion tons of food." ]

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[ "We'll talk about the main things you need to know about this card, including some of the benefits,", "fees, etc. If you're watching on YouTube, I will link our full review in the video description", "below for you so you can learn more about the card. If you're watching on your site,", "chances are you're already in the right place. If not, you can search around to find the full", "review. All right, so let's start off with the fact that this is a secured credit card,", "but a credit card nonetheless, meaning it does require a refundable security deposit up front,", "but they still report all of your activity to the three major credit bureaus. So that can be an", "advantage of this card versus, say, a debit card, is that it can help you to build credit over time.", "In fact, for people with limited credit, bad credit, or no credit at all, a secured credit", "card can be one of the only ways to get access to credit. And I know the idea of a security deposit", "sounds a little bit odd, but it's not. So let's get started.", "But it's not complicated. It's not something to worry about. And actually, with this card,", "the security deposit you make is equal to your credit limit. And the minimum here is $200,", "but you can deposit up to $2,500. This prevents you from getting out over your skis, so to speak.", "The only money that you can borrow is the money that is backed up by your initial deposit.", "And that's really what enables people that are traditionally considered uncredit worthy", "to get a credit card. Now, in addition to that, this is a $0", "annual fee card, meaning it's not costing you anything just to hold the card year to year.", "But unfortunately, the card does not offer any rewards. Now, that's not uncommon for secured", "credit cards. Some secured credit cards will offer rewards. If you want to learn more about that,", "we have a full guide on our website. I can link some stuff in the video description below.", "But generally speaking, people are getting this type of card, not so much for the rewards that", "they may or may not earn, but just to establish credit over time. So I don't consider that a deal,", "but just know that there are some other cards, secured credit cards, that offer rewards.", "Now, another thing is that Citi provides you free access to see your FICO score,", "so you can make sure you're trending in the right direction. I think that's particularly", "relevant to this card. Now, it's not like Citi is the only brand that offers this. A lot of", "other companies do offer access to your credit score, but I think it's just nice because your", "sole goal or one of your main goals with this card is to make sure your credit score increases over", "time. So if you're a credit card user, you're going to want to make sure that you're trending in the", "right direction over time. So you want to be able to keep tabs on that. Now, on top of that,", "the card does come with fraud protection for unauthorized charges. So if you do lose the", "card or somebody writes down the card number and they make fraudulent charges on your account,", "if you report those in a timely manner, you shouldn't be out any money whatsoever.", "And that's one of the other advantages of a credit card versus a debit card is that it can", "be safer to spend on a credit card because of something like fraud protection on unauthorized", "charges. But that's about it for the card. It's not overly complicated, but it's a great card", "to consider. I'd say it's a really good option if you have bad credit, no credit, or limited credit.", "It's not the only card that you should consider. You should definitely look through our full guide", "on our website. I wish it had rewards, but you know, there's always a trade-off. Maybe you get", "a secured credit card and it has rewards, but it has an annual fee. So you have to kind of weigh", "out all of that. If you have any questions, you can write us in the comments below. Thanks for", "watching. Have a great day.", "Thank you for watching." ]

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[ "Other times they may agree to have the whole debt written off.", "However, any outcome is purely dependent on the goodwill of the creditor.", "Even with good evidence, the creditor may not agree to have your debt written off", "and they may instead look at other ways of collecting what they are owed.", "If you really feel that you are being treated unfairly by the creditor,", "complaints can be made to the Financial Ombudsman Service for most types of consumer debt." ]

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[ "I had to! My life insurance has lapsed! I have no cover!", "Do not worry! Your time to choose has come!", "Blue pill or...", "Zypill!", "Or Red pill!", "What do they mean?", "Blue pill means reviving the lapse policy!", "You paid the unpaid premiums and the penalty!", "And the red one?", "Getting a new policy!", "But remember, only one option helps you save money!", "If I revive the policy even after paying the penalty and missed premiums,", "my total cost is still less than the increased premiums of the new insurance policy!", "That's it! I should choose the blue pill!", "Good choice! Where'd you learn that?", "I escaped the matrix and I followed my man!", "Finance with Sherry!" ]

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[ "एवरी हंड्रेड रूपी स्पेंड करने पर आपको एक रिवॉर्ड पॉइंट मिलेगा और एक रिवॉर्ड पॉइंट की जो वैल्यू", "पर प्रवार्टर इंटरनेशनल एयरपोर्ट पर वन परसेंट फ्यूल चार्ज इस अब वेब ऑफ भी है पांच बिट्विंग", "पांच से तीन हजार रुपए के तक की ट्रैंडेशन पर बाकी तो सबसे वेन मेन बैनिफिट तो इसका यह है कि आप भी", "यह पर मार्च तक है इकत्रीस मार्च तक उसके बाद हो सकता है एक्सटेंट भी हो सकता है" ]

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[ "It provides you with standard set of Amex cardholder benefits like purchase protection", "and draw-outside assistance.", "None of the known prepaid cards has this feature.", "So Amex Surf is definitely worth attention.", "Hi, I am Slava.", "Welcome back to my channel about money.", "You probably saw this Amex Surf prepaid card at retailers like Walmart, Walgreens, CVS", "and others.", "It will cost you $4 to purchase the card.", "If you sign up online it will cost you nothing, but card replacement will cost you $5.", "This prepaid card can be used everywhere American Express is accepted.", "My advice for you is to be very careful.", "When you use it for preauthorized transactions.", "For example, if you use this card to pay for gas, pay inside of the gas station.", "Paying at the pump will put a hold on around $100.", "You can receive your salary on this prepaid debit card.", "Set up direct deposit and you will receive your money up to 2 days earlier.", "It is early direct deposit.", "You can link your account to this link.", "You can use mobile check deposit.", "Just take a picture of the check you received and it will be deposited automatically.", "The money will be available in 10 days.", "Or you can use the feature Money in Minutes and pay 1% of the amount.", "1% is when you deposit checks with a pre-printed signature.", "If your mom gives you a check.", "Money in Minutes.", "Will cost you 5%.", "The minimum fee is $5.", "Deposit of $50 with Money in Minutes will not be the smartest decision.", "Foreign transaction will cost you 2.7% of the amount.", "Withdrawals at MoneyPass ATMs will cost you nothing.", "You can also pick up cash using a feature.", "Call it Cash Pickup powered by RIA.", "It is a very useful feature.", "It is available at over 4500 Walmarts.", "And you will need to show your ID.", "And this feature will cost you a fee.", "$3.50 fee for withdrawals up to $500.", "There are 3 plans.", "Amex Serve.", "Amex Serve with free reloads.", "Amex Serve with cashback.", "Amex Serve will cost you $7 per month.", "But if you receive a check.", "There will be no monthly fee.", "The plan with cash reload or cash deposit will cost you up to $4.", "Just give your card and cash to the cashier.", "The money will be available within minutes.", "Amex Serve with free reloads will cost you $7 anyway.", "With these free reloads you will have free deposits.", "At over 4500.", "45000 retail locations.", "Amex Serve cashback will cost you $8.", "It will give you 1% cashback on all purchases.", "Unlimited.", "You will also have access to Amex 24 hours support.", "And you will have access to all standard American Express membership benefits.", "Purchase protection.", "It is kind of insurance.", "Usually.", "It is used to cover damaged electronics.", "Roadside assistance helps when you have an accident on the road.", "There are many other benefits.", "Now I have to tell you about the limits of the American Express Serve account.", "Your account cannot carry more than $100,000 at any given moment.", "You cannot deposit more than $10,000 per month in any combination.", "You can only deposit $100,000 per month.", "As a next step I would recommend you to watch my video about another prepaid card Bluebird", "from American Express.", "Or you may want to watch my video about the Green Dot Debit Cards.", "See you in my next video.", "Bye." ]

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[ "My neighbor told me that he has a safe deposit box.", "But what is a safe deposit box anyway?", "A safe deposit box is a container, normally a metal box, that you rent from a bank or", "credit union to store important documents and valuables.", "It is kept in the bank's vault and is also known as a safety deposit box.", "Why is a safe deposit box even needed?", "Even now, when more and more documents are becoming digital, a safe deposit box could", "still be useful for storing valuables since it is way more secure than most homes.", "A bank's vault is very well protected.", "Using concrete walls, it can be stored in a safe deposit box.", "It has walls, alarms, video cameras and sophisticated locks.", "And it is also built to withstand fire, floods, hurricanes and other natural disasters.", "How big are safety deposit boxes?", "The size usually ranges from 3 to 12 inches in width and height and the depth is around", "1 to 2 feet.", "Well, what should even be kept in a safe deposit box?", "Important, hard to remember.", "This is a list of key things to know before connecting your bank account.", "sophistication, principal interest refbie filming______ shoo moregon", "nosix", "port or spare keys should not be stored there. How much does it even cost to rent a safe deposit", "box? The rent for a safe deposit box largely depends on its size. It can be anywhere from", "$20 per year for a 3 inch by 3 inch box to a couple hundred dollars per year for a larger box.", "However, some banks offer a safe deposit box for free if you meet certain requirements,", "like maintaining a minimum balance with the bank. Well, are safe deposit boxes insured?", "Even if a bank is FDIC insured, the safe deposit boxes maintained by it are not insured by the", "FDIC. But you can get the contents of your safe deposit box insured through your home", "or room." ]

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[ "channel is, Jake, which investment bank is best for me? Charles Schwab, Fidelity, or Vanguard?", "The upfront answer is you can't go wrong with any one of these three banks. All three of them,", "in my opinion, are excellent. I recommend all three. But in this video, we're going to cover", "the differences between these three so that you can choose which investment bank is best for you.", "And I got to give a quick disclaimer that the policies of these banks do change over time.", "Stuff that I am saying in this video is accurate as of today. However, if you're watching this", "video years in the future, potentially some of the policies of these banks might have changed", "over time. So we're going to start by comparing all three of these banks and talk about what do", "these three investment banks do correctly. The first one is they all allow for zero commission", "trades. So if you want to buy and sell individual stocks or ETFs on their platform,", "you can do that entirely for free. If you're still paying to make trades, you should definitely", "switch your brokerage account. Next, there are no trade minimums and no account minimums,", "meaning if you want to buy and sell, it doesn't matter how much. This is true 100% for Schwab or", "Fidelity. If you want to buy into one of their mutual funds for even a dollar, you can do that.", "With Vanguard, they do have select funds where there's a $3,000 minimum buy-in,", "but they still allow you to buy ETFs one share at a time.", "But if you're still paying to make trades, you should definitely switch your brokerage account.", "Of course, to open an account for all three, you don't have to have a minimum initial deposit.", "And for all three of these banks, they have zero annual account maintenance fees. If your brokerage", "account is charging you a percentage of your portfolio or a dollar amounts per year, just", "change banks. The only asterisk I have to give is that Vanguard does have a $20 annual maintenance", "fee if you do not sign up for electronic delivery of their documents, but you can easily avoid that.", "And all three of these banks are,", "cost you nothing to have year to year. The customer service for all three of these banks", "is excellent. There's a telephone number that you can call and you can talk to a real person", "if you have a question or need help with your account. Schwab is the only one that actually", "has 24 seven phone operator access. The other two you have to call between the hours of like", "eight in the morning and eight o'clock at night. And then most important, when you buy into one of", "their ETFs or mutual funds, they have the lowest expense ratios in the area. So if you're buying", "a lot of funds, you're going to have to pay a lot of money to get into one of these banks.", "So Fidelity right now is offering zero expense ratio funds, but for Schwab, you can get ETFs", "at as cheap as 0.02%. With Vanguard, you can get ETFs for as cheap as 0.03%. These expense ratios", "are virtually nothing. You will not feel the difference in my opinion. So when you partner", "with one of these banks and you buy their products, I'm guaranteeing you that you're getting", "the lowest costs in the industry.", "So that's a great checklist of what these banks are doing well. Let's talk about now how they", "slightly differ. And to understand how these banks are different, you have to understand how", "they're structured. Charles Schwab is publicly traded, publicly owned. Fidelity is privately", "owned. And Vanguard is actually investor owned. And this is going, how they're structured pretty", "much shapes all the decisions that these companies make. So for Charles Schwab, their founder,", "Charles Schwab, at some point offered an IPO in order to make the company,", "publicly traded. So you can buy shares of Charles Schwab on the New York Stock Exchange.", "It's important to remember that this company, the primary objective is to earn a profit for", "their shareholders. In order to have voting rights to select the board of directors for this company,", "you have to be one of the largest share owners of Charles Schwab stock. So there's nothing wrong", "with that, but it is important to remember the primary motive of this company is to increase the", "market share of Charles Schwab. And Fidelity is privately owned. And it's owned by the Johnson", "family. The CEO is Abigail Johnson, and she's a billionaire. Some people like that it is a female", "CEO. And the Johnson family, collectively, their net worth is between like 20 and 30 billion dollars.", "Fidelity is an excellent company, but you've got to remember this is a privately held company,", "and the objective of this company is to earn a profit for their owners.", "And then,", "finally, we have Vanguard and their former CEO, Jack Bogle, pretty much invented the low-cost", "simple index fund back in the 1970s. And he structured the company so that it was actually", "investor-owned. So the objective of this company is not to maximize profits for shareholders", "or the owners. It is to reduce costs and pass those on as much as possible to the real owners,", "the investors who own the Vanguard products and services.", "And for that reason, Vanguard has been the go-to king of low-cost, simple, no-BS investing for", "decades. And I feel like their market share was gaining so much. They're the largest mutual fund", "bank and second largest ETF bank after BlackRock. And I feel like Schwab and Fidelity saw the tide", "turning, and they had to change their business model. So Schwab and Fidelity are offering lower", "expense ratios, lower fees to draw in new customers, and they're offering lower fees to", "brokerage account, usually they're going to just keep investing with that company the rest of their", "life. So Schwab and Fidelity are really in a position where they need to be more competitive", "in order to take market share away from Vanguard. So now that you understand how these three banks", "are structured differently, you'll kind of understand why they're different in some ways.", "The first difference is Charles Schwab and Fidelity offer", "trading contracts that are not in the market share category. So they're not in the market share category.", "They're trading platform software in real time. So of course, you can buy and sell on their mobile", "device. You can buy and sell on their web platform. But with Schwab, you can download", "trading software. It's called StreetSmart Edge. And if you want to be more active, maybe a day", "trader, if you want to get in and out of positions without any delay or lag, you can use StreetSmart", "Edge. With Fidelity, they offer ActiveTrader Pro. Neither one of these platforms are as well known", "as TD Ameritrade's Thinkorswim, but they're still pretty good.", "Whereas Vanguard does not have any trading software available to their customers,", "and they haven't made any announcements or plans to offer any. Schwab and Fidelity also started", "offering fractional shares. Younger, small dollar investors really like fractional shares.", "And with Fidelity, you can buy any stock or ETF. With Charles Schwab, you can just purchase", "fractional shares of S&P 500 companies, but they're probably going to expand that to", "small caps and ETFs. So that's a big difference. So I think that's a big difference.", "And with Vanguard, they don't offer fractional shares. They've made no announcement in the future", "of offering fractional shares. If you're watching this in the future, potentially they've rolled out", "this service. Fidelity and Schwab also have physical in-branch locations that you can walk", "into and talk to a person face-to-face. I don't know how many locations Fidelity have. It looks", "like a lot. But Schwab has, I think, close to 400. So this is just A through C. And these are all of", "the branch locations. And they're not offering fractional shares. So I think that's a big difference.", "If you want to go talk to somebody in person when investing with Schwab, Vanguard has four", "locations, just North Carolina, Arizona, Pennsylvania, and D.C. Once again, the objective", "of Vanguard is to keep their operating costs as low as possible to pass that savings on to their", "customers. So at this point, you might be seeing the pattern here of the difference between Fidelity", "and Schwab and Vanguard, but there's more. Schwab and Fidelity offer credit cards. So the Fidelity", "Visa Rewards is actually a fantastic credit card. It's a 2% cash back on all purchases. It then", "auto-invests that into a brokerage account or any Fidelity account, for that matter, if you want.", "Schwab similarly has a no annual fee investor credit card, but they also have the co-branded", "American Express Platinum card, which I think is pretty good if you're interested in a high annual", "fee credit card. Schwab and Fidelity also have checking accounts. You can get a cash back on", "a cash management account with a debit card, and then you can pull money out of your account", "whenever you want. And at this time, Vanguard does not offer those additional services, such as", "checking accounts, debit cards, or credit cards. So at this point, you might be wondering, how do", "these banks make money if they have no annual fees and very low expense ratios? One of the biggest", "ways is they offer margin trading. If you're not familiar with margin trading, you basically can", "borrow against the equity of the stocks you own with that brokerage account. So if you're not", "able to borrow against the equity of that brokerage account, those", "financing exchange rates or value experts want to get magistrates or sauce helps", "to convince them to pay a dose of change and they need to be paid a but reduction fee.", "8.3%, 8.5%. If you have a net worth in your account of over a million dollars,", "so here's Vanguard, a million dollars, they're offering an effective interest rate of 4.75%.", "Fidelity, it's actually the cheapest if, once again, if you're a millionaire, so only 4%.", "So the more money you hold with the brokerage, the cheaper it is to borrow money from them.", "And of course, they love it when you borrow money from them. This is basically a no-risk", "investment for the bank. So they're earning that APR on whatever you borrow from them.", "The next big way that these banks make money off their customers is that they will invest", "your uninvested cash in your brokerage account. What does this mean? If you were to deposit", "$5,000 into your Schwab account and you then didn't buy something with it,", "Schwab is going to take that money and invest it for you, and they're going to keep that money.", "So with Schwab and Fidelity, they're only going to give you a small", "4%. And if you're a millionaire, you're going to have to pay a little bit more.", "0.08%. Vanguard is the only one that will invest your uninvested cash and then pay you what it's", "worth. Because interest rates with the Fed are so low right now, Vanguard is only paying something", "like 0.7%. But once again, this goes back to the mentality of the company. The objective of Vanguard", "is to increase profit. And if you're a millionaire, you're going to have to pay a little bit more.", "So if you have uninvested cash in your brokerage account, Vanguard will help you make money on that.", "Schwab and Fidelity are going to keep that money for themselves. Additionally, if you partner with", "Schwab or Fidelity, they are going to sell your information to third-party people. So if you were", "to plop $10 million into your brokerage account, this would set off all kinds of alarms, and you", "separately managed asset managers. These are called SMAs. And these are people who are going", "to try and sell you their services, mainly actively managed mutual funds. Now on my channel,", "I'm never going to recommend an actively managed fund because they have really high expense ratios.", "They also have a lot of hidden fees sometimes. Now, with SMAs, anybody who partners with Fidelity", "or Schwab, these are good people who have, they're trying to help you. However, they're not going to", "you earn greater than just a simple low-cost index fund. But once again on my", "channel I'm never gonna recommend you go with these people, but just know that", "when you're with a for-profit company they have to find other ways to make", "money and partnering with these SMAs, if these SMAs can sell you on their", "services then Schwab and Fidelity will get a kickback for partnering with them", "and allowing them on their platform. But you're watching this video so you", "know the tips and tricks. Basically if you go with a for-profit investment bank", "like Schwab or Fidelity don't leave a lot of uninvested cash in there, you know,", "transfer that to a high-interest savings account if you want to hold cash, and", "don't ever participate in actively traded funds. I personally just don't", "think that their returns justify their costs. The final point we have to cover", "is the user experience when visiting their website or using their mobile app.", "This is part of the reason why Robinhood is so popular. Their app is easy to use,", "fun to use. With Schwab, Fidelity, and Vanguard I've made complete platform", "tutorials and mobile tutorials for all three of these companies. You can check", "out these videos if you want to see exactly what they're like, but I have to", "be critical of Vanguard here. Their website looks like it was designed in", "2006 and it has not been updated since then. I really just don't enjoy using", "Vanguard's web platform or mobile app, and this is a huge,", "huge problem for me because I'm trying to be more active with my investments.", "And to go on to this website, it's just kind of clunky and not intuitive, and", "it's just not a good user experience in my opinion. Fidelity is", "a little bit better if you don't mind seeing all that green everywhere, but", "hands down the best user experience in my opinion is Charles Schwab. Just the", "black text on a white background with a little bit of blue here and there. I feel", "like Schwab's platform and mobile device gives the best user experience, so when", "comparing all three of these, I just give them a slight edge over Fidelity. And", "obviously Fidelity and Schwab are way better than Vanguard. So which is the", "best brokerage account or retirement account for you? Well, if you're a", "buy-and-hold investor and you don't want any of the gimmicks or extra thrills or", "BS, go with Vanguard. Vanguard has your best interests at heart, and this is a", "company that's basically made for the high-end market. So if you're looking for a", "brokerage account, Fidelity is definitely never going to change. This company is", "going to keep doing what it's been doing basically for 40 years. If you're a", "buy-and-hold investor and you want the extras, you want branch locations, you", "want a checking account, debit card, active TraderPro software, then go with", "Fidelity. If you're not using their website every day, I think Fidelity is an", "amazing option. However, if you want to be more active, if you want to be more", "than just a buy-and-hold investor and you want the extras, then I think Charles", "Schwab might be the best option for you. And of course, a quick disclaimer that", "all three of these banks are fantastic. You can't go wrong with any one of them.", "However, these banks do change their policies and services over time, so if", "you're watching this in the future, just do a little bit more research to make", "sure that the bank you go with is the best for you. Okay guys, if you enjoyed", "this video, give me a thumbs up so the algorithm knows it's good. In addition,", "consider subscribing if you haven't already. I'll see you in the next video. Bye!", "I've also made a playlist of tutorial videos for all three of these companies,", "so definitely check those out if you're interested in specifically one of them.", "And if you have any comments or questions, leave me one down below. I'll", "try to help you if I can. And until the next video, take care." ]

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[ "and he joins us now. Welcome, Chairman. Thank you for joining us. Again, you were looking for some", "unredacted emails from National Archives, if memory serves. Did you get them, and are you", "satisfied with what you got? Well, there are 5,200 emails that Joe Biden used a pseudonym", "in communication of some form or fashion with the government. We've identified this. Now we", "want these emails, and we want the unredacted versions. The National Archives sent 14 of those", "5,200 emails yesterday, and I'm sure you're going to be surprised to hear this, Trey. Those 14", "really didn't say anything, but yet the media, as soon as we got the emails, the 14 out of 5,200,", "they said, oh, this is a big.", "So this was another example of the Biden White House coordinating with their friends in the media", "to paint a false narrative. So no, we are not satisfied with 14 out of 5,200 emails.", "We expect all 5,200 emails, and that's another reason why we've had to go the impeachment", "inquiry route to try to speed the process up from where these government agencies are stonewalling", "and obstructing our investigation.", "Chairman, you're going to need to give me just a second to restart my heart. I was shocked to hear", "that the D.C. media was not interested in a Republican investigation. That's the first time", "I've ever heard that. All right, bank records, corporate documents, tax returns. What other", "evidence do you need that you don't currently have? Well, we've subpoenaed bank records from", "the shell companies. Remember, the problem that the Biden family has and the president has is", "his family's received over $20 million in tax returns. And he's got a lot of money in his", "יו. He's got over $20 million in his annually received cash mis ú, a whole bunch of Bolshevik", "Exercise cardimime, over $20 million from foreign nationals. OK, the Biden family in the White House", "cannot say one thing this family did to receive the $20 million. That is a big red flag with with", "every American. The polls show that. Well, next, we want to see the personal bank records, because", "the way the Bidens operated trade is they, with Joe Biden set up these meetings, and set up phone", "calls with these foreign nationals who were all bad people needing some type of assistance from the", "United States government.", "in trouble. They were being investigated for corruption. They were trying to get", "sweetheart deals. So once the meetings took place, Joe Biden communicated with all of these people.", "Then wire started transferring from those countries to the shell companies, the Bidens.", "Then according to the banks, the Bidens would then launder the money from the shell companies", "to nine different Biden family members in incremental payments. We want to know what", "happened with the money once they were received by the Bidens in their personal account.", "So we've been doing what we said we were going to do all along. We're following the money.", "We followed the money from countries like Romania and China to the Biden shell companies,", "to the Bidens individually. Now we're looking at the Bidens' individual personal bank records,", "and we want to see where they spent that money. And if you look at the laptop tray,", "there are many instances where people like Eric Sherwin communicated with Hunter Biden saying,", "this bill is...", "You for your dad's, who's going to pay for it? So we want to see if, in fact,", "Hunter Biden was paying for things of value for Joe Biden.", "Chairman, have you or will you seek the president's own bank records? If I heard you correctly,", "Biden family members asking for the president's records. I assume you have a tax returns already,", "but other records, asking for those from the president himself may ratchet things up a bit.", "Have you done...", "Do you plan to do it?", "Well, it's looking like we're going to be asking for his bank records. I mean,", "all roads lead to Joe Biden. From day one, this has been an investigation of Joe Biden, not", "his son. His son is a key central figure because we believe Hunter was the front man", "for the Biden family influence scheme. We've already proven that this family was influence", "peddling. The media and the Biden said that wasn't true. I don't think now they're disputing", "that. They're moving the goalposts saying, well, now you're going to do it. You're going to do it.", "but Joe Biden never benefited personally from that. So that's where our investigation is now,", "because there's overwhelming evidence that would point to the fact that Joe Biden was", "receiving benefits from his family's influence peddling scheme. And that's where we continue", "to investigate. Congressman, I want you to remember something your old colleague from", "South Carolina learned the hard way. The D.C. media never met a Republican investigation that", "should start.", "The D.C. media never met a Democrat investigation that should end. It is not a level playing field", "where you are working. Thank you for joining us on a Sunday night. All the best to you, Chairman.", "Thanks for having me, Trey." ]

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[ "card option in terms of cashback.", "But first, if you are new here, we're all about how to maximize the value of your wallet,", "so how to get the most cashback, and also how to travel for free.", "If that sounds interesting then subscribe to our channel, but let's get started.", "So in the past there were a lot of different options, but given a lot of different regulations,", "a lot of those options disappeared.", "Given this, the card we're talking about today is probably the best option that's currently", "available, given the current landscape.", "So there are certain cards that will kind of give you a high interest rate.", "So again, the North Point accounts that we talked about, I think six months ago, gave", "you 5% back if you hit a lot of different requirements.", "But again, a lot of them aren't really based off your transaction size, they're based off", "your balance.", "The card we're talking about today is the debit card that you get off the Discover checking", "account.", "Here you're going to earn 1% back on up to $3,000 of spend every single month.", "This means that at a maximum,", "you get an extra $30 back based off the spend that you would already do.", "And again, like with credit cards, it doesn't make sense to spend more money than you otherwise", "would.", "The idea here is to maximize money that you're already spending.", "There are a lot of different exclusions and I'm going to skim through a few of them, but", "ATMs obviously don't count as well as peer to peer payments.", "This means that you can't just go to the ATM and withdraw $3,000 to get an extra $30 every", "month.", "And at the same time, you can't Venmo or do anything else like that.", "Just because it's the best debit card, I think you still need to consider whether it makes", "sense based off your needs as well as based off what you have available.", "So if you are someone who's let's say recently graduated from high school and you can't get", "a credit card, then I think this is a pretty good option.", "1% is still better than 0%.", "Other use cases are if you can't get a credit card for whatever reason, or if you do have", "a lot of different transactions where you can't use a credit card.", "A really good example of this is if you do a lot of professional services.", "So sometimes some lawyers won't take credit cards, they'll only take debit cards or wire", "transfers as well as some wedding venues.", "So a lot of the catering and stuff like that related to weddings, oftentimes they'll either", "not take credit card or they'll charge you 3% in order to use your credit card.", "In those situations, it might make sense to just use this card.", "Again, 1% is better than nothing, but if you are going through the process of a wedding,", "I think I would kind of consider looking at a credit card.", "It has to have a lot of features, but it can also be something that you really want to", "Just because the minimum spend of a card that you're getting is typically going to be between", "10% and 30%.", "So yeah, I'd happily pay 3% in fees if I'm getting 27% net value.", "A lot of people who fill out consultations for our website are people who are actually", "getting married and trying to figure out how to get their honeymoon for free, given a lot", "of wedding costs.", "Another potential use case is if you live in a new apartment where they have kind of", "an online terminal where you can do your payments and transactions. So again, in San Francisco,", "a lot of the newer buildings, what you do to pay your rent as you log in, and you can use a credit", "card and pay a fee to do that, or pay a fixed amount to do that. Or you can do wire transfers", "or pay using a debit card. In this case, if you're not hitting minimum spends, then using a debit", "card, that's still 1%. The average rent in San Francisco is probably about $3,000 for a bedroom.", "So again, an extra $30 back every single month. That's not too bad. It's not a lot of money,", "but that's still better than nothing. Another good use case is if you're someone who knows", "that they're not really good of credit cards, but who still wants to get rewards. So again,", "1% here is better than using a credit card and potentially getting into debt. To me,", "I think using a debit card is still way better than using cash, given a lot of different risks.", "So again, with cash, there is pretty much no recourse, you can get robbed,", "there's a lot of other weird", "bad things that can happen rather than keeping it in the bank and then just using your debit card.", "A good example of this would be a friend of a friend who basically kept all of their life", "savings at home in a safe and they ended up getting robbed. So that didn't end up working", "well for them. They were someone who didn't really like banks anyways, so they wouldn't", "have otherwise put it into a bank. So I guess that was still their only option. But for me,", "I think I'm just a bit too scared. There's too much stuff that can happen with cash rather than", "using a bank account and having it online and just having recourse. I've heard of people who", "get their bank account hacked and other crazy stuff too, but when it's with a bank, you typically are", "insured. Again, you might end up getting overdrawn, you might lose 80k, but after one, two, four weeks,", "you end up recovering it. So I hope that was helpful and let me know if you guys have any", "questions. My question for you guys is what are your thoughts on this debit card system? Do you", "think it's good? Do you think it's bad? Let me know in the comments down below. For me personally,", "there's not a lot of questions about it. I'm just going to go ahead and get started.", "It's not really a use case where it makes sense, but again, I do realize that there are students", "watching this as well as some other people planning weddings, or maybe you have golf dues", "or some other thing where you can't use your credit card. If you liked this video, give it a", "thumbs up. It really helps us out. And if you know anyone else who benefited from what we just", "talked about, feel free to share this video with them because it's probably going to help them out.", "By the way, I hope you guys liked it. See you next time.", "Have a good one." ]

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[ "हाँ हाँ, टेंशन मत करो, मैं आपके पैसे नहीं खाने वाली, जल्दी से लिंक बेज दो", "बाद में वो आपको लिंक शेयर करता है कि भीया मैंने गलती से आपको पैसे बेज दिये, जल्दी से इस लिंग पे क्लिक करके मुझे अपने पैसे वापिसे दो", "तो जैसे आप उस लिंग पर क्लिक करोगे आपको लगेगा तो ऐसा ही कि आपने गूगल पर या फिर फोन पर ओपन किया है पर यह एक", "वेबसाइट होती है जहां पर आपकी जालती है आपका सारा सारा बैंक अकाउंट है को जाएगा डिटेल्स कैमर के बाद", "चले जाएगी बचकर रहिएगा" ]

[ 0, 0, 0, 0, 0 ]

[ "पेड़ी सब्सक्राइब अज्ञादेश से", "सचित delicious तो yourself", "कि आप लुटार प्रोफी और एक बार के लिए क्रेड़िट कार्ड से प्रोथी ने आपके पास भी रखते हैं", "credit cards only and only when they feel that you have the ability to", "repay the credit cards. But then a question pops up in", "our mind that how do I understand whether am I eligible", "for having my own credit card or not this exact same", "question, I am going to answer in the next section of the", "video. So now let's understand. How will you come to know", "whether you were eligible to get a credit card or not", "number. One is an Age requirement. If you go and ask", "any of the banks generally banks will say that an age of 21 years is required a little bit plus", "minus here and there may differ from bank to bank but otherwise you can say thumb rule is you should", "be 21 years of age number one number two they will also check your income requirement okay again I'm", "telling you bank to bank it will change I'm instead of saying bank to bank I guess it I can say that", "the credit card company which is issuing the credit card they may have their own rules but you can say", "that somewhere around at least twenty thousand rupees per month is what banks would generally", "appreciate credit card companies would generally appreciate and then they would give you a credit", "card they would also check your ITR income tax return wherein if you are filing more and more", "incomes then there's a better chance that you will get a credit card and one more very very very very", "important point is your credit is your credit score okay now what is your credit score credit", "score is something which establishes your credit worthiness I'll give you a simple example if I", "already have taken a loan and I am repaying the installments on time my credit score", "goes on increasing okay if I already have one company's credit card I'm paying the credit", "card bills on time my credit score goes on increasing okay so that's how a credit history", "a credit score is developed okay if you want to check your credit score there are so many apps I", "found one of the apps which is known as credit app and in this app what you can do is you can", "just put your basic details and the app provides you a credit score but very important understand", "a thumb rule for this is higher the better okay if you want to join", "if you want to become a member of this app it's very important that you should have a credit score", "of minimum 750 now still the question remains unanswered is that if I have money in my bank", "account why should I use the credit card some people's ego gets hurt that I have money I don't", "need someone else's money to do shopping right so the best answer is that number one it's easy", "it is convenient to use number two very important you get you get reward points the moment you swipe", "more and more reward points and what do you do with these reward points you can easily redeem", "these reward points to buy something right number three these credit card companies many times give", "you movie tickets as well that can be like a reward for example like whatever companies credit", "card I have they give complimentary to movie tickets every month okay plus there are so many", "credit card companies who would give you a domestic or an international lounge access now what is that", "it was a crazy flight once I went Pune Delhi Kolkata once I went Pune Bangalore Kolkata and it was", "a very odd timing flight so I reached the airport at somewhere around 12 or 12 30 at night I don't", "remember the exact time though and my next flight was somewhere around four four and a half hours", "delay after four and a half hours I was like what to do then I remembered that I have that domestic", "lounge access when I went there I was because that was the first time I was going to a lounge and I", "was like you allow me inside so they said let me check the eligibility I swiped it two rupees were", "debated two rupees were debated and I was allowed an access to the airport lounge they had very nice", "sofa seating arrangement everything I sat down comfortable like them and then I saw people were", "getting food from somewhere I was like ah this is the business idea they are going to charge only two", "rupees for entry and then they will charge everything for food but then many people were", "fulfilling the dishes I was like airport food will be so expensive", "people are getting so much food then I just asked that how much does this plate cost", "person said it is free of cost if you have entered once you have entered it is free of cost I said oh", "my God so I just had my dinner at that time but I said it's okay so what because I'm going to get", "free of cost so I went there and I ate the full dinner twice and I said now that two rupees are", "worth much much more right why was this possible this was possible only only because I had a credit", "card", "thank you so now let's understand that how can you use Your Credit Card very wisely this is a", "practical example this is what we do me and my husband that's how we decide whose card is to", "be Swiped okay so for example I own a credit card whose billing cycle is 8th September 2", "so 8th to 7th so I'm giving you an example let's say from 8th of September to 7th of October so", "so whatever purchases i make within this period if i swipe my card it gets added on to the monthly statement", "if the last date is october 7th the bill date is 8th of october and when do i have to pay it i have to pay it by 25th of october", "my husband's credit card is having a credit cycle from 20th, so billing cycle i should say", "from 20th to 19th so let's say 20th september to october 19th", "इस बिल डेट विल बी बिकॉस इमीजेटली आफ्टर देस इस बिल विल विजेनरेटेड ऑन 20 ऑफ ऑक्टोबर एंड विल बी डिव ऑन 5 ऑफ नवेंबर राइट तो यूर्ली टेल में इफ यू आर वाइस परसन इफ यार ना बिकविंग मोर और मोर फाइनेंशल एलिटरे�", "ऑक्टोबर एक एक इफ वाइट टू बाय अपर्ट ऑन 10 ऑफ ऑक्टोबर तो यू अन्य टेल में इस विच कार्ड शुड विस्ट वाइट कार्ड ए और कार्ड बी टो गेट मैक्सिमम पॉसिबल बेनिफिट थिंग रोजिकली एंड टेल में उस विच पाइट शुड विस", "एड ऑफ ऑक्टोबर टू टू सेवन ऑफ नवेंबर एंड इट विकम ड्यू ऑन रॉफली ट्वेंटी फिट ऑफ नवेंबर सो अप प्रोडक्ट विच पर्चेस्ट ऑन टेन ऑफ ऑक्टोबर आई आफ टो पे फॉर दाट ऑन 25 ऑफ नवेंबर एंड एंजॉइंग सच अ �", "बिग क्रेडिट पीरियड राइट बट द सेम थिंग ओके सेम थिंग इफ वी हैर स्वाइप कार्ड बी देन वाट वॉट आफ हैपन इसका बिल वुड", "बिन इन दिस बिलिंग साइकल राइट देन ट्वेंटी एथ ऑक्टोबर वुड आफ बिन द बिल जनरेशन डेट एंड वी वुड", "आफ बिन रिक्वाइड टो पेड़ अमनी ऑन फिफ्ट ऑफ नवेंबर ना यू अली टेल मी इफ बिकॉस वी यूज़ डेट वाइसली", "डेंट वी गेट ट्वेंटी डेज एक्स्ट्रा टो मेक द पेमेंट ने उसे व्हाट वेल यू डू विद देट ट्वेंटी डेस", "एक एंड शुरू बाइन आउ यू अब अंडरस्टूड दाइट इस नॉट देट पूर्व पीपर यूज़ क्रेड कार्ड इन फैक्ट पीपर हुआ आर क्रेडिट वर्दी विल बी", "यूज़ इन एक रेट कार्ड नंबर टू आई टोल यू देट सेफ कन्वीनियन यू गेट रिवार्डेड फॉर स्पेंडिंग वाट", "पूर्व नंबर थ्री आई टोल यू देट यू विल हैव अनाइस क्रेडिट पीड़ यू गेट टाइम", "मोर टाइम पूजी ओन मनी इस दर्शों में बेनिफिट्स पाइट पीपर यूज़ अकरेड कार्ड", "पीड़ जाता था। अगर वह नहीं पड़ता था, मैं अपनी गेट कार्ड पीड़ को पाए नहीं पड़ सकता था।", "वह प्रतिशक वन पाए था। मेरे गेट कार्ड पीड़ के लिए आपके पास अपने बड़ा दिया था", "तो मैं इस प्रतिशक में फिर बढ़ देगा। वह नंबर एक है। वह नंबर दो, जो उन्होंने एक बढ़ता नहीं है, वह पेश पड़ता नहीं है।", "यह एक गेट कार्ड पीड़ कार्ड नहीं होना चाहिए। पर पहले परिवार को प्रतिशक पर बढ़ता देगा।", "क्या है एक गेट परदेबिटोड़ का विधित?", "इंटिम्नेटा मैं बिंदी हो। आप बंद केवल देबिट में सेविंग और में चीज़ों के लिए पर्तर प्रत्रा करते हैं Hopes", "पॉसिबिलिटी नंबर 2 यदि आप एक उठाड प्रश्रियाण नहीं रखना चाहते हैं", "मैं एक मुझे चीज़ी मिलता हूं कि नहीं कितने अप्स तो यहां सर्व में अप्स्टेक्ट करते हैं", "एक बंद अपने तो जब आप इसे पांच कर रहे हैं, मैं क्रेड अप के साथ चाहिए, अपने उसे उसे ज़मान पर नहीं रखें।", "मैंने अपने विषय का लगान करना चाहिए अगर आप इसे या नहीं उपयोग करें और कि आपका विषय के लिए क्या था", "So when even we were talking about", "credit we came across a very interesting fact", "that in credit you can manage", "all your credit cards in one app only", "So basically it could be something like that", "that if you have credit card A, B, C, D", "all payments can be done through the same", "app only and you know what is the best part", "What credit cards do is that", "they reward you for spending money", "Credit app rewards you", "for paying the bills", "So if you want to get", "rewarded whenever you pay your credit card bills", "just check out the link in the description", "and download the credit app", "Well I hope you have enjoyed this short video", "on how to use credit cards effectively", "If you have any more questions about", "credit cards do let me know in the comment section", "I will be more happy to answer", "all your questions right", "So that's it from my side", "Spend wisely, save wisely", "Jai Hind, Bye Bye", "Subscribe our channel for more videos" ]

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[ "एक आदमी ने बहुत सारे QR कोड़ को प्रिंट हिया", "और चुपके से हर शॉप पे लगा दिया", "जब भी कोई कस्टमर शॉप वाले को पेमेंट करता", "तो पैसे सीधा उसके बैंक अकाउंड में जाते हैं", "आँ कुछ टाइम बाद शॉप कीपर को पता तो चल जाता है", "पर इसमें कस्टमर और शॉप कीपर दोनों का टाइम विश्ट होता है", "क्योंकि दोनों बहस करने लगते हैं", "तो पेमेंट करने से पहले नाम जरूर पढ़े", "और मेरे पेज को सबस्क्राइब जरूर करें" ]

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[ "Scam artists are now using the technology to trick their victims and clone voices, even the voices of friends and family.", "Carter Evans takes a look at this frightening new trend.", "What you're about to hear is something I never said.", "Hey, this is Carter. I need your credit card number right now.", "I mean, that really sounded like me.", "It is you.", "It's cloned you. It's AI Carter.", "Pete Nicoletti is a cybersecurity expert at Checkpoint Technologies.", "He used common software to recreate my voice from old news reports he found.", "Ten minutes of it learning your voice, I can make it say anything.", "To test it out, we called my mother.", "Hey, I'm about to do an interview, but I have a quick question.", "The words on the screen are played in my voice.", "I need you to text me your driver's license number as soon as you can.", "Americans lost nearly $9 billion.", "The number of frauds in the U.S. has gone up more than 150 percent in just two years.", "Mom, these bad men have me. Help me, help me, help me.", "Jennifer DiStefano recently told U.S. senators about a terrifying phone call she got from scammers using the voice of her 15-year-old daughter.", "This man gets on very aggressive, listening to her daughter, and then that's when I went into panic mode.", "But her daughter was safe in bed.", "The call was an increasingly popular AI scam.", "Targeting people with the computer.", "Undergenerated voices of their loved ones.", "This man comes on the phone.", "He said, you're going to give me $5,000.", "I heard our daughter on the phone.", "Like, it was unmistakably her.", "Younger people experience fraud and fraud losses more often than older people.", "But it's that older adult who has so much to lose.", "Even my own mother fell for the fake voice.", "I feel bad.", "I feel terrible about it.", "We just scammed my mom.", "Did you just get a call from me?", "Asking for my driver's license number.", "Yes.", "That was an AI-generated voice.", "Oh, God.", "Carter, that's scary.", "Is this the real you now?", "This is the real me now.", "You give me the code word.", "The family code word.", "That way I'll know it's you.", "She's got it.", "Okay.", "To protect yourself, Nicoletti says every family should use a code word.", "And if you're still not sure, call the person back yourself.", "Finally, make your social media accounts private.", "Everybody's bragging about where they are and what they're doing.", "They're really giving away valuable information.", "They're giving away their identity.", "And he says the technology is getting so good, soon voice cloning will be in real time.", "The voice is being converted from my voice to your voice.", "So I can have a conversation with another person with your clone voice.", "So that's where we're headed.", "That's where we're headed.", "For CBS Mornings, I'm Carter Evans in Los Angeles." ]

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[ "companies mass layoff कर रही हैं, लोगों को निकाल रही हैं नौपरियों से,", "ऐसा क्यों हो रहा है, इसका सबसे बड़ा reason है,", "startups को नई funding नहीं मिल रही है, चाहिए US की बात करें, चाहिए India की बात करें,", "अगर आप देखेंगे, Fed ने interest rates बढ़ा दिये,", "RBI ने repo rates बढ़ा दिये, पैसा लेना, बॉरो करना महँगा हो गया है,", "तो अगर startups को नई funding नहीं मिलेगी, तो वो existing पैसा जो bank में पढ़ा, उसे use करेंगे,", "अब bank अपने पास पैसा रखता थोड़ी है,", "example के लिए, Silicon Valley bank के पास startups का majority पैसा था,", "अब वहाँ पर जब लोग पैसा लेने पहुँचे, तो bank को अपने bonds बेचने बढ़ गए,", "अब interest rate में तो fluctuation आ गया था,", "bank को 2 billion dollar का घाटा हुआ,", "और जैसे investors को यह बात पता लगी, वो पैसा लेने पहुँच गए bank के पास,", "और यह पता लगा कि investors पैसा लेने पहुँच गए, तो बहुत सारे और लोग भी पैसा लेने पहुँच गए bank के पास,", "अब bank के पास इतने पैसे थे नहीं, तो bank दिवालिया हो गया,", "I hope आपको reason समझ आ गया होगा,", "you can share this video to spread the awareness." ]

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[ "मेरे क्लाइंट ने मुझे UPI ID बेजा, मैंने उस पे अमाउंट ट्रांसवर कर दिया, उनसे पूछा तो उन्हें अमाउंट ही रिसीव नहीं हुआ, बाद में पता चला मुझे सुनील.joshi.at.ybl पे पैसे डालने थे और मैंने सुनील.joshi.at.ybl पे डाल दिये।", "फिर उन्होंने वो मेल सामने वाली बैंक को भेजा, फिर सेंटरल बैंक ने ये रिप्लाई करके बता है कि ट्रांजेक्शन हुआ है और उस परसन ने वो पैसे अब तक निकाले नहीं है।", "और फिर उन्होंने उस amount को hold पे डाल दिया, फिर मेरे relationship manager ने मुझे एक e-mandate form भराया और सामने वाली बैंक को भेजा और फिर सेंटरल बैंक ने उस person से consent लिया और finally within 24 hours में मेरे पैसे मेरे account में आ गया।" ]

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[ "In that scam, like many others, scammers will ask you to put the money on a Green Dot or prepaid Visa card.", "News 5's Ashley Knight looks into how the card works and why scammers love using them.", "It's tonight's Scam Buster Report.", "You can buy it at any Walmart, supermarket or corner drugstore.", "But a prepaid Green Dot card has quickly become a scammer's tool of choice.", "The prepaid Green Dot card, you can use it anywhere, even to pay your bills.", "People use them in place of credit cards, like if they don't have good enough credit or they don't want to go through the hassle of actually getting a credit card.", "But it can also be a con artist's best friend.", "Because they're so widely accepted, because they're so widely available.", "And totally untraceable.", "Lori Miles works with the Sheriff's Office and sees them used all the time in scams, most recently with their work release program.", "Somebody had called their office and said that they had been told to go and get a Visa Green Card so that they could get their loved one out of jail.", "The cards are not connected to a bank account.", "You buy one and you put between $10 and $500 on it.", "Then you scratch off a section of the back that reveals a set of numbers.", "It's those numbers the scammer needs.", "And they're trying to get you to pay them in order to access the money on the card.", "The minute you've given them the last number, that card's drained.", "Remember, no power company, no debt collector, or anyone from the government will ever demand that you pay them over the phone with a Green Dot card.", "If anybody ever calls you and says, you know, you have to pay this bill or you have to pay this fee and it has to be done by Green Dot, then it's a scam.", "And there's nothing wrong with getting a Green Dot card.", "The problem's not with the card.", "The problem is sharing that number on the back of the card with the person who's in charge of the card.", "I'm Ashley Knight and this scam has been busted." ]

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[ "बट इतना ज्यादा चार्जेस", "और इसलिए आपको बोला कि आपको अमाज़न पेलेटर को अभी भी यूज नहीं करना है", "यालो फ्रेंड्स कैसे हैं आप सब", "I hope कि आप सब वाचे होंगे", "दोस्तों अगर आपने अमाज़न पेलेटर को अभी तक अपलाई नहीं किये है और अपलाई करने के लिए सोच रहे हैं", "तो इसे वीडियो आपके लिए है", "ये अमाज़न का पेलेटर को यूज करने से", "बहुते सारे चार्जेस देना होता है", "और इसका जितने भी सारे disadvantages है यानि इसका जितने भी सारे कमिया है", "इसी एक वीडियो में सब कभर करने वाला हूँ", "अगर आपने Amazon Pay Letter को लेने के लिए सोच रहे हैं", "तो इसी वीडियो को कोहीं पर भी स्किफ मत किजिये", "पुरे सुरू से लेकर एंड तक देखते रहे हैं", "So, Hello Friends, मेरा नाम मैं Abhishek", "और आप देख रहे हैं मेरे YouTube चैनल Star Abhishek Technical", "स्टार्ट करते हैं", "और Amazon का यह जो Pay Letter यह खुद का Amazon का कोई AMI का सर्विस नहीं है", "इसलिए यह दूसरे बियांक के साथ पाटनर करता है", "यहाँ पे दो बियांक के साथ पाटनर किया है", "एक है क्या फ्लोट का अक्सियो और एक है IDFC", "और जब आपने इसको अपलाई करते हैं", "आपका जितने भी सारे डिटेल से सभी डकॉमेंट्स उनके पास जाता है", "तो आपका क्रेडिट लिमिट अप्रूब होता है", "इसका रिपेमेंट का डेट कैसे डिसाइड होता है", "एक्जंपूल के साथ बताता हूँ", "मान लो कि अब जानवारी मांथ है", "अगर आपने जानवारी फाइस टू लेकर जानवारी फिफ्टीन तक", "कोई भी क्रेडिट को यूज करते हैं", "बट एक्शियो में अलग है", "अपने जानवारी में जो क्रेडिट यूज करेंगे", "वो आपको फिफ्ट फ्रेबुरी को पे करना पड़ेगा", "अगर आपने ये सबी डेट के अंदर में", "आपका डिवू को क्लियर करते हैं", "तो आपको यहाँ पे कोई भी प्यानल्टी देना नहीं पड़ेगा", "अगर ये डेट के बाद", "अगर आपने पेमेंड करेंगे", "तो आपको यहाँ पे प्यानल्टी देना पड़ेगा", "जो की होता है लेट फी", "कितना देना पड़ेगा और बताता हूँ", "अगर आपने 200 रूपीज या इसे कॉम रूपीज का credit से use करते हैं, तो आपको यहाँ पे zero fee देना पड़ेगा, यहाँ पे कुछ भी fee नहीं है, और अगर आपने यहाँ पे 200 से लेकर 1000 तक यह credit को use करते हैं, तो आपको यहाँ पे 100 का penalty लगेगा, plus 18% GST, और 5000 to 20000, आपको यहा�", "पे 250 का penalty देना पड़ेगा, अगर आपने monthly 20,000 से ज़्यादा amount को use करते हैं, तो आपको यहाँ पे 500 रूपीज का penalty, और आपको बता दू, यह जो monthly due amount का, यह सभी penalty के साथ 18% का interest का GST देना पड़ेगा, और इसका late payment fee flipkart से तो अच्छा है, बट याद रखे, जब आपने इस", "पे 100 रूपीज penalty लगेगा, यानि 50%, अगर आपने यहाँ पे 1000 का use करेंगे, तो 100, यानि सिर्फ 10% का penalty देना होगा, अगर आपने इस pay letter को use करके, EMI से कुछ भी order करते हैं, यहाँ पे आपको जो interest rate है, बहुत ज़्यादा देना होगा, यहाँ पे 4 option available है, 3 month, 6 month, 9 month, 12 month, सभी म", "में यहाँ पे है, 24% का interest rate पर अनम, जो कि credit card से तो बहुत ही ज़्यादा है, अगर आपने ठीक time पे इसको repayment नहीं करते हैं, तो आपका credit score कम होगा, यानि आपका credit score में negative impact पड़ेगा, अगर आपने future में कोई loan लेने वाले थे, या कोई भी bank का credit card apply करने वाले हैं, तो आपको", "और मेरा जो credit axio से मिला था, तो देखिए यहाँ पे daily SSM message आता है, और इसका तो due date में आपको पहले से बताया था, अगर आपने due date से पहले payment नहीं करेंगे, तो आपका Amazon pay letter का account block हो जाएगा, यहाँ पे लिखा हुआ आएगा, your account blocked, और मैं one month पहले Amazon pay letter से 1246 को use किया था, मैं �", "आपको जो थोड़े time पहले monthly due amount बताया था, अगर आपने 1000 से लेकर 5000 तक use करते हैं, तो आपको यहाँ पे 200 plus 18% का GST देना होगा, और 200 का 18% जो की होता है 36, 200 plus 36, यानि 236 रुपीज मुझे late fee यहाँ पे देना पड़ेगा, और देख सकते हैं न, मैं 1000 के आसपास use किया था, इ", "तो भी मुझे 236 का penalty लगता, इसलिए आपको बला के table में जितने भी सारे max amount है, अगर आपने उसको use करेंगे, उसके हिसाब से इसका fee बहुत ही कम होता है, और मेरा यहाँ पे upcoming due भी है, pay total outstanding, then pay, मैं यहाँ पे payment करता हूँ UPI से, और अब यह payment successfully हो चुका है, अगर आपका Amazon pay letter", "का account ऐसे block होता है, तो आप repayment कीजिए, और इतना hour के अंदर में, आपका Amazon pay letter unblock हो जाएगा, चलिए finally अब आपको बताऊंगा, कि आपको Amazon का pay letter को use करना चाहिए, या नहीं, और कौब use करना चाहिए, अगर आपने due date से पहले payment कर देंगे, तो कोई बात नहीं, आप इसको use कर", "कर सकते हैं, आपके लिए यह बहुत अच्छा है, और due date से पहले payment करने से, आपको यहाँ पे zero fee देना होगा, यानि कुछ भी charges नहीं है, और इसका जो एक best alternative अब आपको बताता हूँ, Amazon ने ICICI bank के साथ partner करके रखा है, अगर आपने Amazon का ICICI credit card apply करते हैं, और उसको लेते हैं,", "अपने जो भी shopping करेंगे, उसका 5% up to unlimited cashback मिलेगा, दोस्तों अभी तो इस वीडियो खतम होने बाला है, बटू से पहले आपको एक छोटा सा remind दे देता हूँ, कि अगर आपने deals देखना चाते हैं, तो description पे हमारा telegram channel का link है, आप join कर सकते हैं, और इस वीडियो आपको कैसा ल", "वीडियो upload करूँगा, उसका notifications आपके पास सबसे पहले चला जाएगा, और इस वीडियो में तो इतना ही, फिर से मिलते हैं, एक next interesting वीडियो के साथ, बाई बाई दोस्तों" ]

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[ "People need a break, and we want people to know that we're there for them.", "When it comes to the mortgage misery that people are feeling right now,", "I want you to know that we're here for you.", "We understand that's a problem, and that's why we're fighting for more relief", "so that you can actually keep your homes.", "We want people to know that New Democrats have used our power at the federal level", "to deliver concrete things for people.", "Unlike the Conservatives that have made a lot of noise in the background,", "they haven't delivered anything despite having over 100 MPs", "and being the official opposition.", "New Democrats have delivered.", "We've delivered dental care, more to come for seniors and children under 18.", "We've delivered legislation to guarantee that the child care funding is permanent", "and prioritizes not-for-profit and public spaces that are better for our kids.", "We've delivered concrete things, and we're going to continue to deliver those things.", "And I'm hoping that people here in Windsor, a place that I grew up in,", "a place that I know really well, a place that I have a deep connection to,", "they know that I'm going to continue to fight for the people of Windsor", "and the Essex County, that I understand the struggles and I understand the worries,", "and we're going to deliver real.", "We'll help give people a break, make sure people can get by", "and build a good life for themselves and their family.", "Sure.", "Taylor Campbell.", "Hey there.", "Why talk about mortgage rates in Windsor?", "Why bring this message here?", "Well, we know that people are feeling this across the country,", "and people are feeling this here in Windsor.", "I've spoken to people.", "They're saying, what do we do?", "The mortgage rates or the interest rates have gone up so quickly and so rapidly", "in such a short period of time.", "We are struggling right now.", "And I gave that example.", "If you were a family,", "in the past couple of years,", "that has a 25-year variable mortgage,", "you're looking at your mortgage payments", "and seeing an increase of over $1,700.", "How is a family supposed to come up with an additional $1,700", "when grocery prices are up,", "when gas prices are up,", "when everything is more expensive,", "what are families to do?", "And the relief offered by the Liberals is just not good enough.", "And it's not surprisingly because they're not in connect.", "They're out of touch with what people are really going through.", "And the concern is,", "the Conservatives are not proposing any solutions", "immediately right now to give people relief.", "They don't care.", "They're not actually talking about that.", "We're talking about what we can do right now to give people relief.", "There's a lot of countries that are looking at real solutions", "to give people a bit of break", "who are struggling with the cost of their mortgage.", "We want to see those aggressive steps being taken here in Canada.", "Steps like Spain has taken to force banks to give lower interest rates", "to families that are struggling.", "Like Portugal has put in a subsidy for people that can't pay their mortgage right now.", "We need to see some aggressive,", "aggressive measures put in place to give people some relief,", "to give people a break so they don't lose their homes.", "We've been hearing from local developers", "that there have been perhaps unintended consequences", "of people being driven racist.", "Housing development has stopped in the region.", "What can you tell us about those unintended consequences?", "Yeah, and let's talk about those.", "We're in a housing shortage.", "And with the rapid and in the short period of time,", "massive increase in interest rates,", "building houses has stalled.", "And that is the exact problem that we have.", "We don't have enough houses and the solution is now stalled.", "I mean, this is really problematic.", "We need to be building more houses.", "We need to be building them faster than ever before.", "We need to be building more rental units,", "building more non-market housing.", "And now because the massive increase of interest rates", "and the mortgage misery that people are experiencing,", "we're seeing less building.", "I mean, that's a massive problem.", "It's compounding the already existing problems.", "So we need to see a government,", "a government that understands", "that this is something we need to respond to.", "We've talked about incentives", "to encourage developers to build privately.", "We also need incentives to build more rental units", "that are purpose-built for rent", "because there's not very much available in Canada", "and people need a place to rent as well.", "For some families, you need to start off with rental,", "save up money before you buy, and there's just no options.", "And we also need to build and invest in non-market housing.", "People need to know that there's an option for them", "where they're not subject to the increasing rates of the market.", "They need to know that there's an affordable,", "affordable place for them that they and their family can afford", "that's not subject to the massive increases of the market.", "We need all of that to happen, and right now, it's not happening.", "Hi, Marina, Blackburn News.", "You know, you mentioned that Liberals aren't doing enough.", "You've used your partnership with them in the past", "to bring in things like dental care and things like that.", "What kind of pressure can you be putting on them", "with that partnership to make sure that", "you can send it to Dr. Lomoto for you being implemented?", "Well, that's what we're doing today.", "What we found is that,", "we have to fight every step of the way", "to force this government to do anything.", "Even what we've got in the agreement,", "even the dental care that we've got written", "black and white on paper,", "we have to force this government,", "fight with them, push them to deliver things,", "and we're going to continue to do that.", "And on this file, when it comes to mortgage relief,", "we're going to continue to use our pressure,", "use the power that we have in Parliament", "to give people real concrete results.", "One example of what we're able to do is,", "outside of the agreement,", "we were able to double the GST rebate.", "That put some more money in people's pockets,", "and it gave people some relief.", "That was not a part of our agreement,", "but we were able to achieve that.", "And this year, it's called the grocery rebate.", "We were able to get that into people's pockets.", "Similarly, we're going to use our power", "to get more relief for people.", "People are struggling with their mortgages.", "It hurts.", "When you're looking at your mortgage payment,", "you're looking at the cost of groceries,", "you're looking at all your other bills,", "people are saying, what do we do?", "They're feeling desperate.", "They're feeling hopeless.", "I want people to know we're going to fight for you.", "We're going to make sure we get some relief.", "And we're going to use our power", "to influence this government to deliver that relief." ]

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[ "हिसाब से लगभग चार लाख ऐसे मंतली फिनेंशल ट्रांजेक्शन होते हैं जो ऑनलाइन किया जाते हैं और इन चार", "एक मंतली ऑनलाइन ट्रांजेक्शन में से 50 परसेंट ट्रांजेक्शन में फ्रॉड होता है जो यूपीआई आईडी के थ्रू", "की रहते हैं तो इस सवाल का सबसे इंपोर्टेंट रीजन है चार्ज बैक पॉलिसी इस चार्ज बैक पॉलिसी के चलते अगर आपने", "्य अकाउंट से किसी दूसरे इंडिविज़ियल के अकाउंट में किजी प्राधा क्या और अगर वह आपके इस ऑनलाइन पॉलिसी", "के अकाउंड में गए उसे वापस बुलाने की पॉलिसी को कहा जाता है चार्ज बैक ग hilft के इंडियन बैंक प्रॉबरली", "प्रश्न प्रश्न" ]

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[ "They also tried to reload them over at places like Walmart, but were unable to, leaving them broke and without answers.", "Karen Isai's direct deposit, more than $700, was supposed to go on her rush card yesterday, but she's still waiting.", "Where is the money? People want answers. That's not an answer to my problem.", "She can't log on online.", "And can't reach anyone at rush card.", "If you can't physically walk into the corporation or the company and physically speak with someone, it's hard to get results.", "We know who you are, and I know you're facing tremendous challenges.", "The card, backed by celebrity music and business mogul Russell Simmons, says the problems began during a technology transition.", "He's received hundreds of complaints on social media and posted this video to Facebook.", "I want to personally reassure you that your funds are safe.", "And that we are...", "We're addressing every issue as quickly as possible.", "Those with credit care counseling services in Tampa say people who use prepaid cards like rush cards typically have a history of banking problems.", "You've given them your money. You may not be able to get it back.", "They warn against using these cards, saying they have high transaction fees and no accountability.", "They recommend only using a traditional bank for most deposits.", "You can actually go to them, see someone. It's still a better deal than a company that's out of state or these cards that you have.", "You can really talk to.", "Karen is fed up and doesn't trust she'll ever see her paycheck.", "I will never use one of these cards again, ever.", "She's switching to a traditional bank when or if she gets her money back.", "And tonight, there's still no word from Rush Card on exactly how many victims may have been affected by this.", "All Rush Card would say on social media is that they are working to unlock many of those frozen accounts.", "And that...", "They insist that those funds are safe.", "Reporting live in Tampa tonight, Lauren Rosella, ABC Action News." ]

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[ "सज में?", "I mean मैं Lutlo Bank से बात कर रही हूँ", "Lutlo के तो आ, आप अपने क्रेड़ कार्ड की लिमिट बनाना चाहते हैं?", "हा लेकिन मैं कैसे मानू की आप bank से बोल रहे हूँ?", "Sir, आप ये number अपने क्रेड़ कार्ड के पीछे नंबर से चेक कर लीजिये", "तो ऐसा ही एक impossible लगने वाला scam हमारे एक subscriber धीरज ने हमारे साथ share किया,", "जो RBL bank के customers हैं,", "तो जब भी हमारे पास bank का कोई message आता है, जिसमें OTP होता है,", "तो उसमें end में लिखा होता है, शुरू में लिखा होता है,", "do not share with anyone, लेकिन वो bank का करमचारी ही,", "कि bank के official number से कोई call करके,", "आपसे आपका card number, उसकी expiry date, उसका CVV, OTP क्यों मांगेगा,", "ये तो धीरज की समझदारी थी, कि ये सारी जानकारी देने से पहले,", "उसने app में जाकर अपने card को deactivate कर दिया था,", "मैंने bank employees से भी पता कर लिया,", "कि card limit बढ़ाने या कोई भी official काम के लिए भी,", "ये सारी information, bank employees भी आपसे नहीं मांगते,", "तो मेरी समझ से बाहर है, ये scam कैसे हुआ,", "आपके साथ भी अगर ऐसा कुछ हुआ है, तो comment में बताओ," ]

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[ "आपके पैसे डूट जाएंगे, तो answer is no, अब आपको क्या करना होगा, वो मैं आपको बता लेता हूँ, देखिए, जैसे आपके पैसे कटेंगे, आपको एक SMS रिसीव होगा, उस SMS में एक help line number लिखा होगा, तो उस number पे call करके आपको complaint करना होगा, और उसके बाद में within 3 days के �", "अंदर, आपको आपके bank manager के पास जाना है, और return में complaint देना है कि आपने एक UPI transaction किया था, जो गलती से हो गया, उस transaction को reverse किया जाए, अब हो सकता है आपका bank manager आपको ज़्यादा भाव ना दे, और आपकी जो problem वो resolve ना हो, तो उस case में आप क्या करेंगे, इस particular चीज को next level पे escalate", "जाएगी, और अगर आपको यहां से भी अच्छा response नहीं मिलता, तो आप directly क्या कर सकते हैं, consumer port का दरवाजा खट-खटा सकते हैं, वहां से आपको definitive response मिलेगा ही मिलेगा, दोस्तो अगर आपको यह information अच्छी लगी, तो मुझे follow जरूर करें." ]

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[ "जोगी है इस वीडियो को देखना आप सभी के लिए बहुत जरूरी है इंटरव्यू में भी काम आएगा और आपको फ्रॉट से", "भी बचाएगा आज का हमारा टॉपिक है टेन टाइप्स ऑफ बैंक फ्रॉट किस-किस तरीके से आपके अकाउंट से पैसा निकल जाता", "है और आपको पता भी नहीं चलता है और आज की वीडियो में हमारी स्पेसलिस्ट आपको बताएंगे डर्जरइन डिफरेंट", "डिफरेंट आईट को फ्रॉट जैसे फिजिस क्या होता है बेरिंग का होता है कैसे कार्ड स्क्रीम होती है और आपका", "पैसा चला जाता है क्यों आपको उसे किस तरीके से फ्रॉड होता है इसके अलावा सिम्स एप सिम क्लोनिंग यह सभी", "तायुरे के फ्रॉड सारे ही फ्रॉड हमारी स्पेस लिस्ट आपको बताएंगी तो इस वीडियो को अंत देखना आपके लिए", "बहुत ही जरूरी है यह टेन फ्रॉड अगर आपने जान लिए तो आप पूरी तरह से सुरक्षित हो जाएंगे और अगर आप", "बैंकर हैं तो आप अपने कस्टूमर्स को इसके प्रति सच्चेत कर पाएंगे आप भी से पहले आपके कस्टूमर भी सेफ रहेंगे", "इस खिशिंग साइबर क्लाइम का सबसे असांध तरीका है जिससे आपकी बेंग एंग डिटेल्स जोरी", "की जा सकती है कि फिक्षिंग एक साइबर क्लाइम होता है जिसमें इवेल और कंप्यूटर में खोली गई वेबसाइट", "उपयोग करके आपकी personal details चोरी की जाती है", "इन details के माध्यम से cyber अपराधी जो होते हैं", "आपकी personal information जैसे की banking password, credit card की जानकरी", "और debit card की password, etc. आप से ले सकते हैं", "फिर इनकी phishing email दोरा text message भेज़ कर", "consumer से संपर्ट करना होता है और आपकी पूरी account details", "और आपका सारा data चोरी किया जा सकता है phishing के माध्यम से", "साइबर क्रिमिनल्स ने online ठगी करने के लिए phishing call को एक बहुत बड़ा हत्यार बनाया है", "phishing call से मतलब एक ऐसी call से जिसकी तरी धोकतरी की जाए", "साइबर क्रिमिनल्स अमुनन खुद को किसी कंपनी या बैंक का कर्मचारी बताते हैं और", "टेड़ी कॉलिंग के वॉइस कॉल से ठगी करते है इन्हीं call को phishing call कहा जाता है", "phishing call से ठगी अधिकतर जो होता है पड़े दिखी रोगों के साथ ही होती है", "साइबर क्रिमिनल्स यूजर्स को बैंक कार्ड डैबिट या क्रेड़िट कार्ड या अपने किसी", "अकाउंट से रिलेटर जो कोई अपडेट होती है इसे जानकारी के नाम पर फोन करते हैं और", "बहुत ही जो संवेदनशील जो इंफॉर्मेशन होती है इसको हासित करने के बाद उनके अकाउंट में से", "किसी भी तरीके से फ्रॉड कर लेते हैं आपको यह जानकर बहुत ही है रानी होगी कि साइबर ठगी में 13 जो", "पर सेंट मामले होती है विशिन कॉल के ही होते हैं नंबर थी इस फ्रॉड यूजिंग ऑनलाइन सेवस प्लेटफॉर्म तो", "यह फ्रॉड ऑनलाइन जो प्लेटफॉर्म है उन पर किया जाता है तो उसमें जो चीटर होता है वह अपने आपको एक", "उनको बोलता है कि मुझे यह प्रोडक्ट खरीदना है और आपके पास एक यूपीआई पेन आएगा मुझे वह पिन बता दीजिएगा", "जैसे ही जो बेशने वाला है अगर वह पिन बताता है तो वह पिन के थ्रू पिन एंटर करते ही वह उनके बहुत बड़ा", "अमाउंट ट्रांसवर्ड कर लेता है तो यह फ्रॉड बहुत ही कॉमन हो चुका है आजकल अ नंबर फॉर इस फ्रॉड ड्यू", "अन्नोन अनवेरिफाइड मोबाइल एप्स अकॉर्डिंग टू आज बीआई चीटर्स एसमेस इमेल सोशल मीडिया इंस्टेंट", "मेसेंजर इन सबके थ्रू हमें कुछ एप लिंक्स प्रद्यूस करते हैं और यह जो एप्स होते हैं हमारे पॉपुलर एप्स की", "वह जो चीजर से हमारे डिवाइस तक पहुंच जाते हैं और हमारी कॉन्फिडेंस्ट इनफोर्मेशन सारी उनके पास पहुंच जाते", "हैं जिससे वह फ्रॉट कर सकते हैं नंबर फाइव इस एटीएम कार्ड स्किन इंग ठीर कार्ड सीमिन में चीटर्स जो होते", "कभी कभी cheaters जो होते हैं वो दूसरा customer होने का drama करते हैं जिससे जब customer अपना pin enter करता है तो वो उस pin को देख लेते हैं उसके बाद वो इस data का उपयोग duplicate card बनाने में और customers के account से पैसे निकालने में भी करते हैं", "number 6 is fraud using screen sharing app RBI customers को यह procedure बताते हुए warn करता है कि cheaters customers को screen sharing app download करने के लिए बदगलाते हैं इस तरह के app का उपयोग करके cheaters customer के mobile laptop को control कर सकते हैं और ग्राह की financial information तक पहुँच जाते हैं", "frauds इस information का use करके गलत तरीके से money transfer करने और internet banking में भी use करते हैं", "number 7 is sim swap और sim cloning", "sim swap या sim cloning जैसे matters में fraud customers के sim तक पहुँच जाते हैं और उनके bank account से जुड़े हुए पंजी कर जो registered mobile number होता है उसके लिए एक duplicate sim निकलवा लेते हैं", "जो frauds होते हैं वो duplicate sim पर OTP का इस्तमाल करते हैं आम तोर पर क्या होता है कि यह जो frauds होते हैं", "टेलिफोन या मोबाइल नेटवर्क के स्टाफ के रूप में customers की personal information collect करते हैं और offer के नाम पर उनसे अनुरोध करते हैं कि अपनी sim को 3G से 4G में upgrade कराएं और ऐसे कई matters होते हैं जिनका उपयोग करके वो sim swap और sim cloning करते हैं", "number 8 is frauds by compromising credentials on results through search engines", "customers अपने bank, insurance company, aadhar updation center और बाकी बहुत सी चीज़ें होती हैं जिनके लिए जब उसको जानकारी चाहिए होती है तो वो search engine का use करता है इन search engine पर बहुत से unverified numbers होते हैं और वो जो number होते हैं वे company के रूप में होते हैं या bank number के रूप में भी हमें show होते हैं", "एक बार जब customer इन संपर्क का number पर call करते हैं तो जो fraud होते हैं वो customer से verify करने के लिए उनके card का information साजा करने के लिए कहते हैं और जैसे ही customer अपना कोई भी information साजा करते हैं वो धोका लड़ी का शिकार हो जाते हैं इस information को RVA ने अपनी booklet में भी साजा किया है", "number 9 scam through QR code scan", "QR code के थूँ scam बहुत ही आम हो गया है इसमें fraud अक्सर अपने customer से अलग अलग बहानों से संपर्क करते हैं और customer की phone पर app का उपयोग करके उनका QR code scan करने के लिए उनको धोका देते हैं ऐसे QR code को scan करके customer अंजाने में ही धोके बाज़ों को अपने खाते से पैसे निकारने के लि", "आज कर लोग social media पर अपना बहुत सा समय बिताते हैं और अपनी जो information होती है उसको update करते रहते हैं जिससे क्या होता है कि जो frauds लोग होते हैं वो ठगने के लिए एक उनको एक अलग काम मिल जाता है वो information हमारी जो personal information को इखटा कर लेते हैं और जो frauds होते हैं अपना facebook, instagram, twitter आ", "किसी भी कोई तरीके से पैसे माँगने की कोशिश करते हैं और कई बार लोग उनके जहांसे में आ भी जाते हैं और पैसे दे भी देते हैं ये", "इसके लिए सबसे बड़ी जरूरत है कि हमें इन स्कैम्स से अवेर रहना पड़ेगा", "I hope मेरा ये वीडियो आपको informative लगे और आपके काम आए", "Thanks for watching my video, मिलते हैं next video में" ]

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[ "In this video, I'll review the Capital One Venture Rewards credit card which is currently", "offering a 75,000 miles sign up bonus.", "And more importantly, what's even more exciting, Capital One just announced that their currency", "will be transferable.", "Which means you can transfer the miles you earn with Capital One to a dozen airlines.", "This is an amazing game changing move from Capital One.", "As customers, you and I should be jumping for joy right now.", "Why?", "Because we get an additional way of earning a ton of miles that we can transfer to airlines", "to extremely maximize the value of these miles for business and first class flights.", "Or economy if that's your thing.", "I'm just kidding, I fly economy too.", "Sometimes.", "Hey guys, my name is Rami and welcome to Points Pointers.", "My goal for this channel is to help you earn and redeem as many points as possible to upgrade", "your travels for little to no money.", "So if you're interested in travel hacking and award travel, then please consider subscribing.", "I'll also share a lot of trip reports and reviews of first and business class flights", "from around the world as well as some travel vlogs.", "You can also download my free 10 step travel hacking guide in the description below.", "So let's start with the welcome bonus.", "Right now the card is offering 75,000 miles after spending $5,000 in the first 10 steps.", "Those 75,000 miles can be redeemed for $750 worth of travel, but now you can get even", "better value when you transfer those miles to airline partners which I'll get into in", "a bit.", "year.", "This is amazing.", "So you'll get between $750 to over $1,000 in value depending on how you use the 75,000", "sign up bonus miles for free for the first year.", "With the Capital One Venture card, you can receive up to $100 credit for Global Entry", "or TSA PreCheck every 4 years.", "The Capital One has zero foreign transaction fees and it also has some nice travel perks", "like travel accident insurance up to $250,000, lost luggage reimbursement up to $3,000 and", "secondary auto rental coverage.", "You'll also get purchase security which replaces, repairs or reimburses you for purchases in", "the event of theft or damage within 90 days of the purchase.", "Earning miles on the Capital One Venture card is pretty straightforward.", "You'll earn 2 miles for every dollar you spend with the card on every transaction.", "Which means you're basically getting 2 cents in travel for every dollar in purchases with", "no annual cap.", "Very simple.", "The only exception, which is a good one, is when booking hotels through hotels.com slash", "venture and pay with your Capital One Venture card.", "You'll earn 10 miles per day.", "That's an impressive earning rate at hotels which is equivalent to 10% back.", "This promotion is available until January 2020.", "You can even stack that deal with the hotels.com own rewards program which effectively also", "offers another 10% back.", "This means you can get 20% back on all hotel stays booked through hotels.com using your", "Capital One Venture card.", "Wow.", "Now the interesting part, redeeming those precious miles.", "When you're ready to redeem your miles.", "You can easily sign into your Venture Rewards Online account and redeem them for 1 cent", "per mile as a statement credit towards any eligible travel purchase you've made with", "the card in the last 90 days.", "This could be an airfare, a hotel stay, a cruise or a car rental.", "There's no minimum amount required to redeem.", "This used to be the only way to use Capital One Venture miles but Capital One just announced", "that starting in December, Capital One miles will become a flexible coins currency, which", "means you'll be able to redeem your venture rewards online.", "You can also use Capital One Venture miles to transfer your miles to a dozen airlines", "at a ratio of 2 to 1.5 which is equivalent to 750 airline miles to every 1000 Venture", "miles transferred.", "These partners are Aeromexico Club Premier, Air Canada Aeroplan, Air France KLM Flying", "Blue, Alitalia, Avianca Life Miles, Cathay Pacific Asia Miles, Etihad Guest, EVA Infinity", "Mileage Lands, Finnair Plus, Hainan Airlines, Qantas Airlines and Qatar Airways.", "You can also use Capital One Venture miles to transfer your miles to a dozen airlines", "miles transferred.", "Some of these partners are actually very useful like Aeroplan, Etihad, Flying Blue and Life", "Miles.", "Bottom line, this is all great and awesome news.", "The 75,000 increased sign up bonus, effectively getting 20% back on all hotel stays booked", "through Hotels.com until January 2020, plus adding flexibility to the points by having", "12 airline transfer partners is incredible.", "cash back card to a true travel rewards card that earns transferable miles.", "Let me know what you think of this card and its new benefit in the comments below.", "Will you consider getting it or you will pass on it?", "Do you find any flaws in it?", "Do you wish that something else would have been added to it?", "Let me know in the comments.", "And finally, thank you guys for watching.", "If you liked the video, please give it a thumbs up and if this is your first time here, I", "would love to have you subscribe.", "Because every week I'm publishing videos that will help you earn a ton of credit card", "points and frequent flyer miles that will enable you to travel the world for little", "to no money." ]

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[ "और आपके मोबाइल फोन पर एक मैसेज आए", "अकाउंट बैलेंस लेफ्ट 2700 करोड रुपे", "ऐसा ही कुछ रीसेंटली यूपी में देखने को मिला", "जब बैंक ओफ इंडिया के एक कस्टमर ने", "ATM से जाके 100 रुपे विट्रो किये", "और उसके बाद अपने मोबाइल पर जब बैलेंस चेक किया", "तो बैलेंस मिला 2700 करोड रुपे", "उसके बाद क्रोस चेकिंग के लिए", "इसने बैंक ओफ इंडिया की ब्रांच भी विजिट की", "और जैसे ही bank staff ने account balance चेक किया", "तो account balance मिला 2707 क्रोड रुपे", "ये balance देखके even पुरी branch ही shocked रहे गई", "लेकिन ये खुशी सिर्फ short term के लिए दी", "क्योंकि जब customer ने दुबारा cross checking के लिए", "अपना account balance जन सेवा केंद्रा में चेक करवाया", "तो वहाँ पर account balance निकला सिर्फ 126 रुपे", "फिलहाल के लिए bank of india ने ये account seize कर दिया", "और bank of india के senior officials ने एक statement में कहा", "कि ये सिर्फ एक banking error था", "बाकि आप comment में बताना अगर ऐसा आपके साथ होता तो क्या होता" ]

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[ "They don't care about who they hurt or anything.", "It just makes you feel violated.", "Scams are when criminals trick you into giving them access to your money.", "As well as losing you money, this can also leave you feeling scared and ashamed.", "Knowing the techniques scammers use can help you protect yourself and your money.", "Anyone can fall for a scam.", "But people living with dementia can be more at risk because they can find managing money and assessing risk harder.", "This can make them more vulnerable to scammers.", "It can be particularly hard if you live alone.", "My name is Tracy and I'm a retired nurse.", "I was 45 when I was diagnosed with dementia.", "I had a stroke first and then I was diagnosed with dementia afterwards.", "About five years ago someone tried to scam me.", "I don't always remember ins and outs of it because it happened quite a long time ago.", "But I remember how it made me feel and how stupid I felt when it happened.", "Scams take many forms.", "Scammers can convince you to buy something that doesn't exist or spend money when you don't need to.", "They can pretend to be your bank, the police or another trusted organisation to try to get your personal information,", "bank details or money.", "They can also pretend to be someone they're not, such as pretending they're there to do building work on your house in order to be let into your home to steal from you.", "It may seem scary but there are ways to keep yourself safe.", "I had a desktop I suppose and I was having problems with it and it wasn't working and then the phone rang and somebody said,", "oh you've got a problem with your computer?", "And I was thinking, well I shall have.", "How amazing is that?", "How do they know that?", "And then not even realising that it was somebody who was scamming me.", "And then they were saying, talking to me about if I paid them some money they could mend them all for me.", "They asked for my bank details but then it got my brain sort of kicked into gear.", "They wanted me to give them my passcode and I refused to do that and then they were quite insistent", "and because they were quite insistent,", "they wouldn't take no for an answer so I ended up putting the phone down on them which I don't like doing because it makes me feel quite rude to do that.", "They rang about 20 times when I was out and then I spoke to the bank.", "She just said that nobody accessed it because nobody could and because I didn't give them my passcode.", "If you receive a letter, email, text or phone call you're unsure about which seems too good to be true or needs urgent action,", "ask someone you trust for a second opinion.", "If you have an unexpected visitor at your door, always ask to see their ID.", "It's okay to keep your door closed to strangers.", "If you get an email from a strange email address, don't reply or click any links.", "A real bank or organisation will never contact you out of the blue asking for your PIN, full password or to move money to another account.", "Finally, just hang up or end the conversation if you're unsure.", "Don't be afraid to say no.", "I felt ashamed because I'm usually quite hot about things and my brain kicks in and I just,", "because I was so frustrated of not having a computer that works, I found it really hard.", "I was thinking how did they know that my computer wasn't working but it was just a coincidence.", "Since it happened I've spoken to loads of people, loads of people who it has happened to,", "who are younger, who have nothing wrong with them and that makes me feel heaps better.", "Because it could have happened to anybody.", "If I didn't have dementia it could have still happened.", "Scammers use clever, high pressure tactics so you shouldn't feel ashamed if you have been scammed.", "There is help available.", "If you're worried you've been scammed or given your details to the wrong people,", "tell someone close to you and report it to your bank and the police straight away.", "Alzheimer's Society is here to support you.", "www.alzheimer.com" ]

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[ "questions of the day. In this video, does the American Express Platinum card have a credit", "limit? Is it just unlimited or is there some place where they shut it down? That's what we're", "going to answer, but first I'm going to ask you to please subscribe to this YouTube channel if", "you have not already, and if you have already, I thank you for doing so. So, the American Express", "Platinum card and some of the other American Express cards, for that matter, it has gotten", "more complicated over the past few years, and so the answer as to whether there is a credit limit", "or not has also gotten more complicated, and so I'm going to break that down here. So, in the", "past, the American Express Platinum card was what is commonly referred to as a charge card versus a", "credit card. A charge card means a card that you can make purchases on, but you must pay off all", "of those purchases at the end of the month. You are not allowed to revolve balances from one month", "to the next, and with the charge card, then that means that there are no revolving balances, so", "there's no interest rate to worry about.", "You have to pay off all of those purchases at the end of the month, and so you have to pay off", "everything off each month that you use the card, and as part of the sort of old way of doing things,", "I guess you could say there was no preset spending limit on those cards because you had to pay", "everything back at the end of the month anyway, and actually, even now, if you look at the terms", "and conditions of the American Express card, you will see that there is a little clause that says", "no preset spending limit. Specifically, it reads,", "no preset spending limit means your spending limit is flexible. Unlike a traditional card with a set", "limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit", "history. So let's break that down a little bit because there's actually a lot more going on there", "than you might think at first, so sort of three points to make here. Number one, theoretically,", "that means that there is no credit limit because they are saying there is no concrete", "number of cards that you can spend on a card that you have a set limit on. So that's a little bit", "more complicated. Number two, theoretically, that means that there is no credit limit because", "they are saying there is no concrete number of cards that you can spend on a card that you have a set", "nature. So no preset spending limit from that vantage point does suggest that there's no credit", "limit. Now, the second point to make here is that when we dig deeper into that sentence, we see that", "they say that spending limit is flexible and that it adapts to your history with the card. And so", "what they're really saying is,", "even though you don't have a preset spending limit, there's not a concrete number, nothing is", "set in stone, there's sort of a soft limit, something where they are going to start looking", "at you a little closer if you go beyond it. Maybe it's an actual number, maybe it's a range,", "whatever. There is a place where if you go beyond it, they are going to either start asking you", "questions or shut you down until they can get a hold of you to find out what's going on. So if", "you got the card and you immediately put fifty thousand dollars worth of credit on it, you're", "going to be able to charge it to the card. So if you put a hundred thousand dollars worth of credit", "charges onto that card, you can be sure that American Express would shut that card down until", "they could talk to you and see what was going on. Or let's say you had the card for a while and", "every month you put maybe one or two thousand dollars in purchases on that card and then all of", "a sudden a month comes where you try to charge one hundred thousand dollars worth of stuff. Well,", "American Express isn't just going to say, well, they don't have a preset spending limit, so we'll", "just assume that everything's okay. Same thing. They're going to shut things down until they can find out what is going on.", "Because your history suggests that this is not normal. So when they say the credit limit adapts based on your", "history, your payment history, and your purchase history, this is what they mean. And I should also mention", "there that they're not going to tell you what that soft credit limit is. You can just assume that that soft", "credit limit is somewhere above what you normally spend. And then the third point to make about there being no", "preset spending limit goes back to the concept of the American Express card traditionally being a charge", "card that you had to pay off.", "Every month. Well, that is no longer totally true. American Express over the last couple years has added a couple", "features, one in particular called pay over time, that lets you use the card basically the same as other credit cards that", "allow you to revolve a balance from month to month. So now you can revolve a balance and there is an interest rate involved and", "you would end up paying interest. Now you can only revolve purchases that are of one hundred dollars or more instead of just", "putting everything into a revolving balance.", "But that's kind of the point.", "So that's kind of irrelevant here. What is relevant is the fact that when you think of this card as having no preset spending limit,", "what they're really talking about is no preset spending limit on the charges that you have to pay off in full every month.", "Any of those charges that end up in the pay over time bucket do have a credit limit.", "So you're going to have a no preset spending limit on one end for the card overall.", "But anything that is in that pay over time bucket has a credit limit.", "So that means you can't go into that pay over time bucket if you have a card that has a pay over time limit.", "Now with this pay over time feature you can choose to have it be active or inactive on your account.", "When you get the card for the first time it is going to be active, which means anything that you buy that is over a hundred dollars is automatically going to go into that pay over time bucket.", "And that means it will be susceptible to that pay over time limit.", "So again, you could have a charge card that has no preset spending limit.", "But if you have enough charges going into that pay over time bucket that you hit the pay over time limit,", "well then you are going to be hitting that limit.", "It doesn't even really matter what the preset spending limit is for the card overall.", "Now if you're someone that has had the card for a while, you may be in the inactive part where your larger charges don't end up in that pay over time bucket.", "You probably want to look at your bills and see how that is working out.", "And if you don't want that to be active, then you want to turn off that feature contact.", "And if you want to do that, then you can go to the consumer service at American Express.", "Kind of confusing, huh?", "So overall the card has no preset spending limit, but in reality that preset spending limit is sort of a soft credit limit that they never actually tell you what that number is.", "But if you go over it they're still going to stop you from making more charges.", "Plus if you have the pay over time feature active,", "your larger purchases are going to go into that pay over time bucket.", "And there's going to be a pay over time limit that you have to adhere to.", "And if you have the pay over time feature active, then you might want to give it a second go, which could cause you to make a huge loss.", "So it is a little more complicated, like I said at the beginning of this video, than it used to be.", "If you turn off the pay over time feature, then the card will just work the same as it always did when it was a charge card that you had to pay off every month.", "And you would have that no preset spending limit.", "But again, it would still be sort of a soft limit versus being you can just charge anything you want whenever you want.", "So that's it. Questions, comments, put them in the comments section below.", "And I'll do my best to answer them.", "Otherwise, I thank you for watching.", "Please subscribe.", "And we'll see you next time." ]

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[ "लेकिन क्या आपको पता है आज पर RBI रीफर्ण डोल्स अगर आपकी क्रेड़ कार्ट से कोई भी फ्रॉड होता है", "और वजन 3 डेज अगर आप RBI को रिपोर्ट करते हैं तो फ्रॉड पर भी कोई लाइट मेटी नहीं बनती", "और आपका बैक आपको पूरा पैसे रिटर्न करता है", "लेकिन अगर आप RBI को वजन 3-7 डेज में रिपोर्ट सकते हैं", "तो आपको अपने फ्रॉड अमाउंड पर 5000-25000 तर बियर करना पड़ सकते हैं", "और अगर आप RBI को 7 डेज के बाद रिपोर्ट करते हैं", "तो आपको पूरा अमाउंड बियर करना पड़ सकता है", "RBI को रिपोर्ट करने के लिए बस आपको 14440 पे खोटेक्ट करना है", "या rbi.org.in पे जाके रिपोर्ट दर्श्ट करनी है", "ऐसे ही more informative videos के लिए subscribe to Shivam Jain" ]

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[ "wire transfers. So let's get started. All right so in the previous video we talked about ACH", "transfers. Now let's talk about wire transfers. A wire transfer is another way to transfer money", "across accounts but it's a little bit different. When you make really large purchases such as real", "estate, a car, sometimes transferring money through estates, etc. you need to move over", "thousands and thousands to up to hundreds of thousands of dollars depending on your situation.", "In this case an ACH transfer usually cannot be done but a wire transfer can. A wire transfer", "generally has higher limits but one fallback is the fact that you have to pay for a wire transfer.", "Another thing is that wire transfers require more information than an ACH transfer. So when you", "initiate for a wire transfer you go to a bank and generally they will request additional information", "including paperwork, documents, and other information. So you can go to a bank and", "you fill out needing the person's address, name, account number, routing number, and in general a", "reason why. But also they may request your driver's license to again prevent fraud. Now the reason why", "there's a little bit more paperwork involved is because once a wire transfer is initiated", "it cannot be stopped. So you really want to make sure that your money is going to the right place.", "Double check it as you fill out the form. There are times where it is accidentally", "missing. So you can go to a bank and you can go to a wire transfer and you can go to a bank and", "check for specifically how much money it was. Desctracting method is one of the most valuable", "things you can do. Using a wire transfer, first spoken you check for it.", "Intermış larger", "specific amount", "where it", "needs to be", "the location that you had specified. Now you can also wire money internationally but be mindful", "that that transaction will be monitored by the foreign assets control. Now foreign assets control", "basically just wants to make sure that American money isn't being used to fund terrorist", "organizations, go for money laundering, or be sent to countries that have US placed sanctions on them.", "Also note that they have the power as well to freeze the accounts should they find it suspicious", "and open an investigation. So generally wire transfers are used for large transactions such as", "buying real estate, cars, and of course international business transactions. The reason being is that", "these funds cannot be bounced or insufficient funded and therefore it just offers a peace of mind", "to whoever is receiving the money. Well I hope you found this video helpful on wire transfers, the", "next video is going to be on cashier's checks, just another way of moving money. If you have any questions", "at all please leave a comment below, I would really appreciate a like, subscribe, and if you can", "send this video to somebody who might not know what a wire transfer is. Alright until the next one", "I hope you have a good one. Bye!" ]

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[ "Friends, today we are learning in this video", "How to use Access Bank Internet Banking", "What is the option in Internet Banking", "Who is using it, where is the feature", "We will learn everything in this video", "In the last video, we learned", "How can you activate Internet Banking at home", "If you have not seen this video", "Then I have given a link in the description of this video", "After this video, you will definitely see it", "So let's learn in the video", "So friends, what you have to do", "You come to Google Chrome like this", "And from here you do it", "Desktop site so that the whole page opens like a computer", "You have to come down a little", "And click on the desktop site", "I have already done", "And after this simply you have to type Access Bank here", "You can see this", "After typing, you have to do a search", "After searching, the first search that has come", "Access Bank Personal Banking", "You have to click on it", "And after this you will see this", "If any ad is visible, then you have to cut it from here", "And after this you have to click here", "On this option", "And after this you have to click on the login option", "After this, it will look like this", "Here you have to enter the customer ID and password", "Click on login", "And after this you will come to the home page", "Something like this", "If you want to save the password, you can save it from here", "And after this, if you see it like this, you have to cut it from here", "So finally we have come to its home page", "You can see its new interface", "Which is very easy to use", "So as soon as you come to the home page", "You can see the balance of your account", "And your account number", "After this, if you click on accounts", "So you see the balance with it", "If you come down a little", "So whatever transaction you have done so far", "You can see it from here", "If you want to see the statement or download", "So you can do that from here", "After this, there is an important feature of services", "If you click on services", "So you can see how many things are there", "Which you can do for your account", "It is divided into different categories", "You can see request for", "Update, edit, inquire on", "If you have to ask someone specifically", "So you can comment me", "I will make a separate video for it", "After this, if you click on RD, FD", "Here on FDRD", "So if you have done FD or ID", "So you can see it from here", "If you want to do it, you can do it from here", "There is an option of services related to it", "You can see this", "These are all services", "If you have FDRD, then you can avail it", "After this, there is an option of payments", "By clicking on payments", "I will show you here", "By clicking on payments", "So you can transfer funds to someone", "By adding someone to send money", "Bill payment, recharge", "There are many things that you can do", "After this, there is an option of loans here", "You will click on loans", "If you have any loan going on", "So you can see that", "If you are eligible", "So you can apply for a loan from here too", "After this, the option of cards comes", "Let's see the cards too", "By clicking on cards", "You will see here", "That you can change the pin for your ATM card", "You can reset", "You can modify the limit", "You can block the card", "If you have a credit card", "So you can do the same work for your credit card", "After this, there is an investment option", "I will show you that too", "By clicking on investment", "You can see all these features", "Which you can do for your account", "Mutual Fund", "Digital Gold", "All these features", "Which you can avail", "After this, there is an option of services", "So let's see this too", "So in services", "You can update Aadhar KYC", "You can also give a request for a checkbook", "If you want to change the password of Netbanking", "So you can do that too from here", "After this, let's go down a little", "Let's see more", "And after this", "You can go to my profile", "You can update the profile", "Check and DD", "You can check the status for the check", "You can stop the check", "You can register in the account", "You can change the branch for this statement", "You can change the pin in the credit card", "You can modify the limit", "You can upgrade the credit card", "There are some features in the tax services", "And in the debit card", "You can manage the limit", "You can change the pin", "You can block", "After this, there is also an option related to loans", "There are also many options in others", "You can see this", "And you can go to F&Q and support", "You can ask any query related", "If you want to know about any of its features", "Then you will comment me", "I will make a separate video", "After this, an option comes", "Of Apply Now", "By clicking on Apply Now", "This is a different category", "If you want to apply for a credit card", "For loans", "For insurance", "For lockers", "For pre-approved offers", "So you can do it from here", "After this, the last comes", "Grab deals", "We also see that", "By clicking on Grab Deals", "Whatever is the offer on your account", "Whether it is related to credit cards", "Whether it is related to accounts", "Whatever offers you have", "You can check it here hand to hand", "So friends in this video", "I hope you have a lot of things", "It must have been clear", "Still something is left from me", "Or you have to ask something specific", "So please comment", "I will make a separate video on it", "And if you want to see any other video related to Axis Bank", "Then go to the channel", "Go to the playlist", "You can see all these useful videos", "And if you have anything to learn from this video", "Then please don't forget to like", "Thanks for watching this video" ]

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[ "अरे सर वो TDS कट होता है जो आपको ITR फाइल करने के बाद रिफ़ांड मिल जाएगा", "वो सब मैं नहीं जानता अब से मेरा एक रुपे भी कट नहीं होना चाहिए", "क्यों इंकम टैक्स डिपार्टमेंट वाले आपके चाचा है?", "नहीं लेकिन मैं फिनोन को फॉलो करता हूँ इसलिए ये लीजिये फॉर्म 15G", "और अब से मेरा TDS कट नहीं होना चाहिए क्योंकि मेरी टैक्सेवल इंकम धाई लाग रुपे की लिमिट से कम है", "अरे वा फिनोन वाले तो लोगों को बहुत जागरूप कर रहे हैं लगता है फॉलो करना पड़ेगा", "हाँ और आप लोग कमेंट करके पूछो अगर कोई सवाल है इस वीडियो को हर जगा सेर करो जो लोग FD कराते हैं क्योंकि ये बहुत ज़रूरी रूल है" ]

[ 0, 0, 0, 0, 0, 0, 0 ]

[ "suit brought by the New York Attorney General Tish James.", "A New York state judge has just ruled that Donald Trump committed fraud by exaggerating", "the value of his assets in financial statements.", "This was a major plank of Tish James' case against Donald Trump.", "That case is set to go to trial on Monday.", "Donald Trump's attorneys had also asked to throw out the case, and the judge denied that", "request.", "The Attorney General James' lawsuit seeks $250 million in fines and to bar the Trump", "family from doing business." ]

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[ "वाइट प्रॉफिट नॉट सेंट इस नो टैक्स फॉर द फर्स्ट वाइट प्रॉफिट वी बोट पे जीरो टैक्सेस साइड बट हॉट विल गेट", "ऑल थे मनी बैक आई मीन यूर मैं डाड यू कैन जस सेंड ऑल द मनी बैक टू मी एज ए गिफ्ट नॉट सिंस वी आर", "ब्लड रिलेटिव्स नो टैक्स एडो नो आई मैड जस को ने टेन नेर वर्ल्ड टूर आज ने रिप्लीज आई लूज एनीथिंग यू उन्होंने", "प्रेमीट फाइनेंस फ्रेंड फेवरेट्स एंड डू इन इट नाउ आए वर यू वेडिंग फॉर डू इट राइट पर" ]

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[ "People are not buying this net zero claptrap.", "I'm going to say it's that because I say this as an environmentalist.", "I care about the planet. Most people do.", "But these net zero solutions are causing huge damage", "for businesses and also households.", "And fundamentally, it's not going to solve the problem.", "The main issue, if you want to talk about climate change,", "is what's going on in China and their emissions.", "But what they're doing is they're coming up with solutions", "to the British government that is, at the moment,", "in a cost-of-living crisis, there are other forms of taxation", "making a lot of problems even worse.", "Yeah, I mean, it's almost as if Sunak,", "if you asked him to sort of sit down and come up with a master plan", "of how best to lose the next election,", "that he's putting it into practice.", "I mean, this is like, as I say, it's a textbook lesson", "in how to lose an election.", "The first thing you have to worry about if you're a prime minister", "is the pound in people's pockets.", "Can they afford to get by?", "I always say the key to political success is", "if the people can afford a roof over their heads,", "can afford to feed their kids, run a car,", "and go to Spain once a year on holiday, they'll vote you in.", "Sunak is a long way from delivering almost any of that.", "That's why he'll fail,", "because he doesn't understand personal finances.", "Yeah, he's so far removed from it.", "It's a gilded lifestyle.", "You're right in your summary there.", "Spot on.", "What the government has to focus on in serving the people", "is the bare essentials, the bare necessities,", "and that largely comes down to the economy.", "It comes down to, you know, there's other aspects", "in terms of good public services that connect to that,", "but if you have a tanking economy,", "and this particular economic crisis is a bit different to the other ones", "because it is connected to, as I said before,", "the bare essentials to do with energy and to do with food.", "And when you level extra taxation in a difficult time,", "in particular nonsense stuff like net zero,", "which no one's really buying,", "then people are going to be rightly miffed about this.", "And I agree with you.", "It's like if you had a sort of summary about", "how do I chuck away the next election?", "Oh, I know.", "I'll come up with stupid net zero solutions", "and patronise the British public in difficult times.", "Yeah, and make promises that I just don't keep." ]

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[ "सच में?", "मैं लूटलो तो बात कर रही हूँ।", "लूटलो के तो आप, आप अपने क्रेड़ कार्ड के लिमिट बनाना चाहते हैं।", "हाँ! लेकिन मैं कैसे मा rigorous हूँ,या आप मेरे क्रेड़ कार्ड के पीछे नंबर से चेक कर लिए।", "तो ऐसा ही एक impossible लगने वाला scam हमारे एक subscriber धीरज ने हमारे साथ share किया,", "जो RBL bank के customers हैं, तो जब भी हमारे पास bank का कोई message आता है,", "जिसमें OTP होता है, तो उसमें end में लिखा होता है, शुरू में लिखा होता है,", "card number, उसकी expiry date, उसका CVV, OTP क्यों मांगेगा,", "ये तो धीरज की समझदारी थी कि ये सारी जानकारी देने से पहले,", "उसने app में जाकर अपने card को deactivate कर दिया था,", "मैंने bank employees से भी पता कर लिया, कि card limit बढ़ाने या कोई भी official काम के लिए भी,", "ये सारी information bank employees भी आपसे नहीं मांगते हैं,", "तो मेरी समझ से बाहर है ये scam कैसे हुआ,", "आपके साथ भी अगर ऐसा कुछ हुआ है तो comment में बताओ," ]

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[ "I decided to go public with this issue because I don't want people to go through the same issue that I'm going through.", "Someone stealing your account information, calling up Uber, calling up Lyft, and getting free rides on your account.", "And something that should be done about it.", "And I wish everybody the best of luck and be careful where you go and how you use your credit card.", "I came home one night and I was checking my checking account.", "And I noticed there were some charges on my account that I was not familiar with.", "And it was from Uber.", "And there were three rides on there that I was being charged for.", "All right.", "So I contacted my bank and they said, yes, somebody used my account for rides, for three rides.", "I said, well, I did not authorize that.", "And they said, OK, well, it's pending right now.", "Then once it goes through, you could call back and you can dispute it.", "So a couple of days later, it went through.", "I called back and I'm disputing it.", "So I did not authorize three rides from Uber with my account.", "So somehow somebody took my account.", "And use my information and had three rides from Uber.", "When I spoke to the representative at the bank.", "I told them that I would like to know who is behind this.", "They said they will do their investigation and they'll contact Uber and Uber will, I guess, do their investigation, whatever that may be.", "And I told him I'd like to find out the results on who's using my account or not just my account.", "Now it could be it can happen to anybody.", "I mean, I like to know.", "I mean, I could go.", "Like I said before, I can go to a grocery store.", "I can go wherever.", "Now somebody can take my account and use this.", "Not only that with Uber, but probably to purchase items elsewhere also.", "I mean, this is not the first time this has happened to me.", "I mean, I've used my account.", "I've used my card.", "Different places.", "And somebody told sold my account information.", "And now here they are using it down in Clearwater, Florida.", "And I live in Tampa.", "I contact my bank.", "Okay.", "Yeah.", "Okay.", "And they have these people on video at the store that's using my camera.", "But the police will not investigate it because it's small crimes.", "And they have more important.", "And these people get away with it.", "It's ridiculous.", "Well, I'd like to know who did it.", "I mean, I go to a restaurant.", "I go to a store.", "Now they can take my card, write down my information.", "Now they call Uber or do whatever with my account.", "I mean, that's totally wrong.", "I mean, they can do that anywhere.", "Anybody goes.", "I think Uber can probably put a camera or have Uber driver.", "Maybe put a camera in their car and they can.", "Video whoever's writing and they see at that time, you know, who's in that car.", "Because when I called my bank, they told me that, yes, this ride took place at this time.", "This ride took a place at this time and et cetera.", "So if a Uber.", "Driver has a camera in their car.", "Then they can go back to that camera and say, okay, well, this is who was in my car at this time.", "Because other than that, the person could call Uber, put the information on the phone and they never have to show their face.", "And I'm sure that's exactly what happened.", "I can call Uber and say, okay, I like to have a ride here.", "I said, okay, well, what's your information?", "Well, here's my credit card.", "Using somebody else's credit card.", "Okay.", "They're not being shown.", "Their face is not shown all the information's on the computer.", "Well, first of all, I never spoke to Uber because it's very hard to get a hold of Uber.", "Okay.", "I tried to call customer service and you cannot get a hold of them.", "It's almost impossible.", "And that's another thing that is so ridiculous and sad.", "You know, something like this happens with your credit card through a company.", "And now you can't get a hold of them.", "And I still have been unable to contact Uber.", "This is the first time I spoke to somebody about this incident with Uber through you.", "Bye-bye.", "Thank you." ]

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[ "It's brazen defiance after looting India of 11,000 crores.", "The Income Tax Department sends notice to Congress Netha Abhishek Manusinghvi.", "The IT Department's charge is that 4.5 crore rupees was paid in cash", "by Singhvi to purchase jewellery from Nirav Modi.", "Now, the Rotomac scam.", "Seven banks hand over 3,000 crore rupees to Rotomac", "not to manufacture pens but to import wheat.", "Not a single kilogram of wheat is imported.", "No papers, no export experience but 3,000 crores in loans.", "End the free run, punish corrupt bankers and VVIPs.", "That's the big debate tonight at 8pm on Faceoff." ]

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[ "This is an especially good option for people that want a card with a relatively lengthy", "intro APR window for both new purchases and balance transfers. So we'll cover that in this", "video. We do have a full review on our website, so before you go out and get the card or any card", "for that matter, you should definitely check out CreditCards.com and the full review will have", "even more details than this overview video. So let's start with the main attractive quality", "of this card, and that is that intro APR period. So as I mentioned, it applies to both the new", "purchases you make on the card, which is great if you need to finance a larger purchase or pay", "for an unexpected bill, and then also to balance transfers, which can be helpful if you already", "have credit card debt and you need to find a way to reduce that debt load. In either case, though,", "the introductory APR is 0% for the first 20 billing cycles,", "and after that, your intro APR expires, the rate goes back to the normal APR,", "which you can see here on the screen, and just as a reminder, it is variable.", "All things considered, that's a relatively lengthy intro period, which obviously can be helpful", "if you're dealing with credit card debt. But there are a few things that I want to point out", "in particular for balance transfers, though. One thing is that there's no guaranteeing that", "your existing credit card debt that you're trying to transfer to this card will match the credit", "limit on this new card, so there is a chance that you won't be able to transfer", "all of your existing credit card debt and take advantage of that intro APR. On top of that,", "if you do initiate a balance transfer, there is a balance transfer fee that will apply.", "It's $5 or 3% of the amount that's transferred, whichever is higher. This is a really standard fee.", "A lot of balance transfer credit cards, I would even venture to say the majority of balance transfer", "credit cards do have a balance transfer fee. It's just something to be mindful of, though, because", "it technically adds to the amount that you have to pay back. So for instance, let's say you transfer over a $5,000 credit card debt.", "You have to pay back $4,120 because of that balance transfer fee. Also, in order to take advantage of", "that 0% intro APR offer for balance transfers, you need to make sure those transfers are initiated", "within the first 60 days of account opening. And since we're already on the topic of fees,", "let's cover some of the other fees with the card. The big one is the annual fee, which is $0,", "so it's not costing you anything to keep the card in your wallet year to year, which is great.", "It does, however, charge foreign transaction fees. They're 3% of the transaction amount. So if you", "travel outside of the United States, let's say you go to Mexico, you end up spending $100 on the card,", "you'll be assessed $3 in foreign transaction fees because it's 3% of every single transaction you make.", "I don't think this is surprising. A lot of cards that are not travel-oriented do charge foreign", "transaction fees, but you know, something to keep in mind. So, if you're looking to get a card that's not a $100 card,", "My guess is that most people don't care about that with this particular card because", "it's not really the draw of the card. It's mainly about that intro APR offer.", "On the bright side, though, the card does come with some additional perks.", "You can see some of those here on the screen, or you can dig in by visiting our full review.", "But that's about it for the video. Just a very brief overview of the card.", "The story here is really simple. If you want to take advantage of a pretty lengthy intro APR offer,", "that's why you would be seriously considering this card. But whenever you're looking for a", "credit card, you should be looking for multiple cards. You should be shopping around, so to speak.", "And that's why CreditCards.com exists. So make sure to check out our website. Have a great day.", "Thanks for watching." ]

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[ "And this, I think, is good news, at least that they're starting to sort of pave the way by delaying the ban on petrol cars, on diesel cars, because there's a clear difference.", "We all want cleaner air and a better environment.", "That has got nothing to do with the madness of net zero and climate change.", "That's about technology. That's about investing in a proportionate, affordable way.", "So, look, the truth is that the government is terrified of what their own voters are saying.", "They're saying, actually, we rather like what reform is saying." ]

[ 1, 1, 1, 1, 1, 1 ]

[ "अब यह हुआ जी हमारे मदरास हाईकोट में, वहाँ पर एक डॉक्टर है, जिन्होंने अपने Paytm को अपने बैंक अकाउंट से कनेक्ट किया हुआ था, अब किसी हैकर ने उसमें फ्रॉड करके करीब 3 लाख रुपे निकाल लिये।", "अब यह हुआ जी हमारे मदरास हाईकोट में, वहाँ पर एक डॉक्टर है।" ]

[ 0, 0 ]

[ "the Chase Inc Business Preferred card. Now it's the last of the three Chase Inc cards and also", "the top tier one. So today we'll be just reviewing it, diving into any details and any benefits that", "it has and also be giving my own personal testimony to see if it's worth getting or not.", "So starting off, there is an annual fee for this card unlike the two other Inc cards with the", "unlimited and cash back card. This one has an annual fee of $95 but the signup bonus is also", "greater with 100,000 signup bonus points and you have to spend at least $15,000 within the first", "three months. So it is quite a significant jump from the other two signup bonuses but if you have", "the cash to spend and if you're going to be spending that money anyway, this would be a great", "card for you to have for that signup bonus. Oh I forgot to mention guys, if you could all do me a", "huge favor and smash that like button, I would be so happy to see you guys in the next video.", "So if you're new to this channel, I hope you guys are enjoying this video and if you are,", "I know but I mean it's a free way of supporting this channel. It helped me out tremendously with", "the YouTube algorithm and also if you want two free stocks on Webull, I have my link down in", "the description below. But now we'll talk about the rewards of this card. Now when it comes to", "rewards for this card, this card offers three points for the first $150,000 spent in combined", "purchases on each account anniversary year for travel, shipping purchases, bills regarding", "internet, cable, and phone services, and also the annual fee for each account. So if you're", "a small business owner with employees, this is a great card to have to give your employees", "a company credit card to make their transactions on. But just keep in mind that you are solely", "reliable for any financial purchases made on this card, excluding obviously fraudulent", "purchases.", "Now regarding benefits with this card, it does carry the same benefits as the Inc. Unlimited", "and Inc. Cash card where you have the purchase protection plan. From the date of purchase,", "you have 120 days and up to $10,000 per claim and up to $50,000 per account. And you also get", "the one year extended manufacturer's warranty. And for the baggage delay of a minimum of six", "hours, you can get a hundred dollars per day and up to three days.", "And on top of those benefits, unlike the Inc. Unlimited card and the Inc. Cash back card", "where they have no trip cancellation insurance, this one does carry a trip cancellation insurance", "and a trip delay insurance. So for the trip cancellation insurance, you have a maximum", "of $5,000 per ticket and $10,000 per trip. Now for the trip delay insurance, you have", "either a minimum of a 12 hour delay or an overnight stay, and that'll be $500 per ticket.", "And lastly, the last benefit that this card carries is a self-service card. This card", "12 month period. Now, some things worth mentioning with business cards in general is that they", "normally have a higher spending requirement in order to hit the signup bonus. And like", "I said earlier, this is a significant jump compared to the Inc. Unlimited and the Inc.", "Cash back card where their signup bonus requirement was $7,500 and this one will be $15,000. So", "if you have the money to spend and if you have some expenses in the near future that", "you can use towards this signup bonus, then I would say this is a great card for you to", "get. However, I wouldn't say go out of your way to spend money that you weren't going", "to spend anyway, just to hit a signup bonus because that wouldn't make any sense. And", "also by now, I know that you know of the Chase 524 rule. And so with this one, with all Inc.", "cards, as a matter of fact, they don't affect your 524 rule. Now again, I'll preface this", "by saying I can't guarantee that, but through numerous articles and personal testimonies,", "I can say that this doesn't affect the 524 rule. So it shouldn't affect your 524 rule", "either, but just take this advice with a grain of salt and use your own discretion when applying", "for these cards. Now in conclusion, who would I recommend this card for? And in reality,", "I believe with the annual fee only being $95, it can fit a lot of people's budget, whether", "it be small freelancers. But however, I would suggest this to be more", "of a credit card for more established businesses where they do have more revenue coming in", "through the door every single month because like I said, that $15,000 spending requirement", "for that signup bonus is pretty, it's a pretty far gap for a lot of people or for most people", "to hit. So if you are a more established business where you have more money coming through,", "through the door every single month, I would say this card is right for you. And it is", "also the only Inc. card that earns rewards on travel purchases specifically. Now for", "me personally, what I'd be getting this month. I would say the 524 rule. I would say that's", "requirement needed in order to hit that signup bonus. And also I don't think I'll be spending", "$15,000 anytime soon. So what I get in the future, maybe if I would be spending that", "kind of money, but I don't see myself spending $15,000 anytime soon. And for me, the Inc.", "cash card and the Inc. unlimited card is good enough for me. And plus they're no annual", "fee and the spending requirement is a little more tangible for me to hit. Well guys, that's", "all I have for you today. I know this video is a little bit more on the shorter side,", "but if you want to see any of my other videos for the Chase Inc. cards, I have my videos", "right over here. But this video did add value to you guys. I appreciate a like and a sub.", "And maybe even consider sharing this with somebody who's interested in getting any of", "the Chase Inc. cards. But until next time guys, shoots.", "." ]

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[ "பாக்கக்கும் சொல்லக்காக", "இந்தனை வீட்டல் மேணிக்க பாக்கைக்குரிய faithful", "disrespectful English", "நீங்க எந்த video ஐம் miss சொன்னாம பார்க்கலாம்", "அது மட்டும் இல்லாமல் இந்த video உங்களுக்கு ரொம்ப பிடிச்சதுதுன்னா", "like கொடுக்க மறந்துராதீங்க", "உங்க like எனக்கு மிகப் பெரிய motivation", "alright so இப்ப நம்ம videoக்கு போலாம்", "இதுக்கு வந்து IOB netbankingக்கு", "நம்ம போகவேண்டிய url வந்து", "iobnet.co.in", "இந רקான�� வந்து நாக்vate", "நல்லәல்சிக்கப் பக்ஸ்லா கொடுக்கறேன்", "சம்பம் இந்த hayகோப் பக்ஷடு கொடுத்து", "millions of impose", "πாத்துவம்ems", "வேலைந்த", "Gordon tienen un correo para Jeanர methy tutte bene", "மற்றயம் ப�ுதார்கம் AMV", "உளவுளக் கலிப் பாரிந்த பாதulates", "bas eigene marketing", "வேனை ஆனால் மற்றோ pointless", "மீா அழித்திரும்", "ஸ்தohner", "பள்ளிக் கள்ளி நேசிபெரியமாplaying finance", "வேலை எப்படி எனவருக்கு புதிவுizing", "எப்படி இந்த போல் செய்வோம்", "உங்களிடம் எந்த ராலியை demasiado", "trays", "அப்படியென்றால் அς்சலாட்டக் கொள்ள turnout 숙்ரு exporting", "அழுлав சப்ஸ்ரிட்டியில் விதிப்புக்", "தான் நடிக்கட்டிகள் தான் கேட்டு", "jeito் விய sealing", "கிதுபília", "பி ஓர்ருவா motto", "międzyிம Tiempоду செய்ய விஷயங்க அedorையை விருண் ply", "sao", "அதற்குப் பின்னை வந்து சமிட்டுக்கொடுத்ததுக்குப் பார்த்தீங்கள் உங்களுடைய ரெஜிஸ்டர்ட் மொபைல் நம்பருக்கு ஒரு OTP ஒன்று ரிசீவாகும்.", "பார்த்து ரெஜிஸ்டர்ட் மொபைல் நம்பருக்கு ஒரு OTP ஒன்று ரிசீவாகும்.", "மண்டே தான் உங்களுக்கு M-PIN ரெசீவாகும்", "2 business daysல உங்களுடைய M-PIN உங்களுக்கு அன்பப்பட்டும்", "SMS மூலைமாமும் சரி", "E-mail லேயும் சரி", "அந்த M-PIN ல்லாம்", "நீங்க mobile bankingல log in பண்ணில்", "உங்களுடைய banking taskல் பண்ணிக்கும்", "அவ்வளவுதான்கு", "இந்த processல் பாதுங்க", "ரொம்ப simple, ரொம்ப few minutes வேலை தான்", "ஐயோ பி பெண்க்ல நீங்க அக்கோண்டு இருந்து பிடின் Twin", "புதித demonstrations", "ரொம்ப", "ரியா", "ர்FeW", "woods", "loans", "7", "8", "9", "13", "14", "15", "16", "எல்லாரும் இதையும் பதிவமாக வாங்க வேண்டும்" ]

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[ "The Morning Insiders.", "When you lose your debit card, you usually get a replacement within the mail with your money still on the card.", "But a Calumet City woman says that's not the case for her.", "She says a company with a history of problems has held on to her money for months.", "Morning Insider Tim McNicholas took her problems to the company.", "She's actually going to say the same thing.", "That all of them say.", "Danina Moody doesn't have a crystal ball.", "But by now, she can predict what the Rushcard customer service reps will send to her in this chat.", "She's going to say she doesn't see anything, that they have not received the documents.", "Documents like copies of her ID and social security number as she tries to get a replacement", "for a prepaid debit card she lost with more than $200 on it.", "They sent her this new card to use, but it doesn't have any of her funds on it.", "Moody says she's already sent the information about five times since April.", "She even showed us a fax receipt from earlier this month.", "That's my money and I need it.", "You know, my living situation is not good at all.", "I want to fix income already.", "Just as she predicted, the rep told her they don't have her documents.", "Another rep told her the same thing earlier in June and asked her to either fax or mail them again.", "Moody has no car and no fax machine, so she's been walking nearly two miles and spending her own money on the faxes.", "This is a person's livelihood, you know, and that's nothing to play with.", "Prepaid debit cards like Rushcard are a draw for people whose credit history or income disqualifies them from a traditional bank account.", "Moody, for example, says she's struggling financially after dealing with heart problems, diabetes and other health issues.", "This shouldn't happen.", "Kimberly Palmer works for the personal finance website NerdWallet.", "She says Moody's story isn't the only red flag for Rushcard.", "It has higher fees than a lot of other banks.", "It's a lot of similar cards make it a lot cheaper to use.", "And so with Rushcard, you're actually paying a monthly fee.", "You're also paying a fee any time you use an out-of-network ATM.", "And also the first time you load money onto the card, you're paying a fee.", "Federal regulators fined Rushcard $13 million for a 2015 outage that cut people off from their money for days while customers said they were struggling to pay for food and bills.", "The company was founded by Russell Simmons.", "But he is now out after Green Dot bought Rushcard in 2017.", "Today, most of the pictures on Rushcard's website show black or brown people.", "I do think they were targeting black people.", "They were.", "So it's a card that's convenient for people of minority with meager means.", "It is.", "And it's sad that they are treating us like this.", "Now Moody is left with a useless card and her money in limbo.", "Tim McNicholas, News 8 News.", "CBS 2 News.", "We reached out to the Green Dot organization and Rushcard to ask what's going on exactly.", "Both said someone would contact Moody to try to figure it out.", "Green Dot tells us faxing is not a requirement for a lost card but couldn't tell us why Moody had to fax documents repeatedly.", "And the company failed to answer the other questions that were raised in our story." ]

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[ "Never follow the crowd.", "Just because everybody else is going to college, getting in debt, trying to get a high-paying job, doesn't mean you need to do that.", "It's okay to be cheap.", "I was cheap for a couple years and I was able to save up enough money to buy some investments that let me leave my job.", "Most people work for money, but the rich understand how to make money work for them.", "If you don't want to trade time for money for the rest of your life, figure out how to make money work for you.", "Lower your big three.", "That's housing, transportation, and food.", "Figure out a way to cut those down as small as possible and you will save a ton of money that can change your life.", "Take risks while you're young.", "Trust me, going to zero at 21 as opposed to 41 is way better.", "The goal isn't to have more money.", "It is to have more freedom.", "Don't forget to like and subscribe for more." ]

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[ "cryptocurrency not at all like bitcoin oh bitcoin nfts what do you know about them", "what do you know about them as far as digital currency and the way our world is changing to", "paperless only stock market really yeah tell me more about anything that you know about that world", "world do you trust it to be real no a lot of the stuff is going down a lot why do you think that is", "too many businesses are running out that's really it so you don't trust that um our currency instead", "of being paper would be on your phone or in an app for instance not really technology is not", "going to run at all you don't think that technology for someone in my generation how do", "19 okay", "i'm 24 so in my generation i feel like digital currency and the our cell phone is like technology", "is changing the way of the world you don't think so a lot of stuff is advancing but with that", "advancing it can all crash at any moment a lot of stuff can get taken away in technology", "yeah so you just don't trust that it'll be you know substantial enough to continue to grow you", "think it'll just crash at any moment yeah", "okay", "all right i appreciate you", "if you like the content please like and subscribe it really does help thanks" ]

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[ "पर उससे पहले मैं आपको बता दू कि RBI कहता है कोई भी पेमेंट करने से पहले आप जाच ले कि यूपीआई आईडी ठीक है कि नहीं आप नमबर को डबल चेक कर ले उसके बाद ही पेमेंट करें पर फिर भी आपसे गलती हो गई है आपने पेक कर दिया है तो उस पेमेंट", "की आपकी नहीं सुनता है आपको जो पेमेंट है उसके लिए वो मना कर देता है कि हम आपको वापस नहीं देंगे तो भी एक RBI की वेबसाइट है जो मैं आपको बताने वाला हूँ यह जो आपके सामने नज़र आ रहे हैं एक RBI की वेबसाइट है आप यहाँ पे जाईए �", "आपको पैसा आ जाएगा ऐसी जानकारी के लिए आप मुझे फॉलो कर सकते हैं" ]

[ 0, 0, 0 ]

[ "that is financing the purchase with an auto loan that includes a monthly payment of more than $1,000.", "Phil LeBeau joins us now with more.", "If not, sometimes you see, or, you know, $8,900 when you sign the purchase.", "So it's one or the other a lot lately because things are more expensive.", "Right. It's a far different environment than when you bought your Plymouth Duster back in 1978, Joe.", "The numbers that we're going to show you, some people will look at this and they will say, are you kidding me?", "I mean, that's basically a house payment for a lot of people.", "Maybe not today, given the pricing on houses has moved up so much.", "But take a look at this data, which we received from Edmunds.", "We asked them to crunch the numbers in terms of how many people, what they're buying, what they're financing.", "Now, here's the average in the third quarter.", "Financing a little over $41,000, average rate just under 6%.", "And the average, average.", "New car monthly payment on a loan was $703.", "Well, look what's happened in the last year and a half.", "The percentage of new vehicle buyers who are financing their auto loan with a payment of at least $1,000 a month,", "it's gone from 6% all the way up to 14% in September, 14.3% to be exact.", "We wanted to find out what dealers think about all this.", "So we went to Scott Adams Toyota just outside of Kansas City.", "We've talked with Scott a number of times over the years.", "He thinks this is crazy for the most part, that people have lost their minds in terms of some of the financing.", "Some of the people, he says, they can afford it.", "Other people, they say we just want to roll it all in there, especially on seven and eight year loans.", "Here's Scott's take on the consumer these days.", "What we've noticed, especially here in the last 45 days with the Federal Reserve raising rates,", "that at least 50% of our customers are having payments over $1,000 a month.", "When you include sales tax and sometimes property tax, it's even more than that.", "So it's at least 50% of the cars and trucks that we are selling because most of them are sold in advance.", "Think about that.", "More than half of the vehicles he is selling right now,", "people are paying at least $1,000 a month for their monthly payment when it comes to that auto loan.", "Showing you the major auto dealerships here.", "Keep in mind that the rate of sales for new vehicles,", "13.7 million vehicles year to date, likely going to come in under 14 million guys.", "So we're still seeing a very constricted market, mainly because of supply.", "But remember this much.", "We generally speaking have retail sales of anywhere between 12 to 13 million vehicles.", "That's how many people are actually buying new vehicles in the U.S.", "About 80% of those are financed.", "You do the math, that means there's about 1.3 million people.", "1.3 million.", "When you do...", "The 14% paying $1,000 a month.", "That's how many are doing that right now.", "Think about that, guys.", "Think about that." ]

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[ "UTR number and transaction ID क्या है ये phone pay, google pay, paytm जो भी आप use करते हो", "उसमें ये UTR create होता है उससे क्या क्या हो सकता है", "UTR number से अपना भेजा हुआ amount फिर अपने account में ले सकते हो", "अगर ले सकते हो तो किस situation में ले सकते हो", "और भी कुछ लोग सोचते हैं UTR number केवल UPA payment and card payment में ही create होता है", "सो पेस 3 minute का वीडियो फिर जा लास्ट देते रही है वीडियो चलो इतलाई सकते हैं और साथ में comments भी drop करें", "सो चलिए शुरू करते हैं", "मरचल नोवी मीटी में आपका फिर से एक बार स्वागत करता हूँ", "पेसा नहीं है और मेरा फोन पेस जो transaction किया था वो आधा गंटा तक pending में ही था", "पेसा नहीं किया आधा गंटा था हाला कि मेरे एकाउंट से कट गया message भी से कहा गया था", "और इस तरह का pending का processing दिखा रहा था और पेसा नहीं किया था", "मैंने तुरंटली फोन पे help support लिया boat से वहाँ पे reply आया है कि don't worry आपका money जो safe है आपका money कहीं नहीं जाएगा", "उच्छा कि और भी आपको help चाहिए मैंने बोला हाँ वहाँ पे मेरे डाला can I cancel this payment", "मेरे account से पैसा कट गया है और उनके account में पहुंचा ही नहीं है तो क्या मैं इस process को", "cancel कर सकता हूं क्या अब फिर से reply आया है कि नहीं आप हम ऐसा नहीं कर सकते हैं आपको तो utr number लेकर", "के अपने bank विजिट करो वहां से आप ग्रहम कर सकते हैं तो यहां पर प्रेमियर मैंने बोला था कि क्या", "utr नंबर से आप अपना पैसा फिर से अपना अनुसार डिटम ला सकते हो गया तो यहां पर इससे यह समय से मैं", "नहीं आता है कि हम किसी अपना पैसा कहना भेजते हैं हम अपना पैसा कितने में भेजते हैं वह पैसा फिर", "अपने अकाउंट में नहीं ला सकते हैं वह पैसा नहीं है आप किसी की रॉड पैसा भेज Sky फिर पैसा भी टोन", "ले ले ऐसा कोई माइट हैट नहीं है एक मेथेड है जो आप ले सकते हो वह भी कब ले सकते हो यह विद्धियों के थ्रू", "आपको तुम पैसा तो चला जाता है ठीक है चला जाएगा तो नहीं ले सकते आप यूटीआर नंबर से अपना पैसा आपके", "पैसा कटा है किसी एकाउंट में जाने कि उनके अकाउंट पहुंचा नहीं है तो आप यूटीआर नंबर ले जाकर अपने", "बैंक के जाकर वहां से कैंसल करके अपने अकाउंट में ले सकते हो इतना ही कर सकते हो यह हमसान होता है आई", "पीस पाइड़ या बस रखोगा तब वह फसेगा पैसा लेकिन एनीएफटी में एनीएफटी जब होता है उसमें यूटी", "आरम मिलता है यह नहीं फिर मैं आपको आदा घंटा भी लगता है पैसा जाने में अब बता दूं अगर पैसा उसके", "इ�wing ट्रिंग ट्रंजेक्शन दिया है यूनिक टैक्स egentरीफ्ट", "वीडियो भी भी", "बता सकता है जहां पर एक्सपोरेंस है वह", "जो bank employee है वो search करेगा तो आपका transaction ID उसी में", "show कर देगा और transaction ID का usage क्या होता है", "यह हम नहीं बता सकते हैं ये bank का employee", "ही बता सकता है जहाँ तो exploreance है वो", "मैं आपको बता दे रहा हूँ वो भी पूरा 100%", "चुर", "तो अनुम जो क्यों रही था क्या मैं अपने UTR number किसी को", "दिखाता हूं किसी को दिखाता हूं किसी अनुम परेसन दिखाता हूं तो फूट्ट मेरा कोई खदरा है हां भाई हे", "यहां पर आप देख सकते हो अगर आप यह यू टिएडर के ओल कार्ड पेमेंट UTS पेमेंट में होता है एनी एंट यस में", "में होता है यह गलत है बहुत सब्सक्राइब सब्सक्राइब होता है यह पर आप यह भी देख सकते हो" ]

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[ "Now the scam is not new. Essentially what happened is my friend suddenly got a notification saying", "that rupees 10,000 has been transferred to his GPay account and immediately thereafter he got", "a call from somebody saying, hey I transferred 10,000 by mistake, can you return it back to me?", "Now what this scammer basically did is use a stolen form of payment. Now when the scammer", "transfers money from a stolen form of payment, Google Pay identifies that, immediately flags it", "and doesn't credit the money and therefore when you return the money immediately without", "questioning it, it gets transferred from your account. In fact, Google has also listed this", "as a scam on the Google Pay page, you should go check it out. What should you do in this scenario", "if something like this happens to you? Well, what you need to do is tell the scammer to come to a", "nearby police station and bring along the Aadhaar card and then give them money if you know a wrong", "transfer has happened. Share this video with your friends and family because I think it's really", "important for them to know about this so that they don't get scammed out of it and for more", "useful shots, subscribe to Track and Take English." ]

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[ "Walmart, Walgreens, CVS, 7-Eleven and others.", "You cannot order the Green Dot Prepaid Card online.", "To activate the Green Dot Pay As You Go Debit Card download Green Dot app and activate the", "card there.", "The process is pretty simple.", "What are the benefits of the Debit Card?", "First is that the Prepaid Card has no monthly fee at all.", "No need for direct deposit.", "But there is one issue.", "You have to pay a fee every time you use the card to pay.", "The fee is $1.50.", "What the heck?", "This is not a card you want to keep in your wallet.", "Keep it at home.", "But there is another issue here.", "If you will not use the card for 90 days there is an inactivity fee of $10.", "There is no free network of ATMs and ATM fee is $3.", "You can make deposits at the same retail stores where you can buy the Green Dot card.", "Interesting fact.", "Green Dot Bank not only issues cards but also operates the deposit network in retail stores.", "But this Pay As You Go card in contrast with other Green Dot cards has no free cash deposit.", "Every deposit will cost you a flat $5 fee.", "Each cash reload deposit is limited to $500.", "A separate green card is available in the same retail stores.", "Sometimes it can be helpful.", "Another feature that you may enjoy is the mobile check deposit.", "You can use it to deposit paper checks with your mobile phone.", "But keep in mind that it will work only after a month after you open the account.", "For savers there is a special feature called Money Vault.", "You can set aside cash for emergencies and future purchases.", "You can also use it to deposit cash for emergencies and future purchases.", "The Money Vault doesn't turn any interest.", "There are no overdrafts by default, but you can turn them on if you have a direct deposit.", "Overall I wouldn't recommend using this Green Dot prepaid card." ]

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[ "The traditional IRA allows you to deduct from your gross income all of your contributions, which allows you to pay less in taxes right now in exchange for paying later in retirement.", "The Roth IRA is the inverse of that where you're paying taxes now, but all those earnings that you're getting through your investments is going to be tax-free when it comes to retirement.", "Which one you choose is up to you. For most people, the maximum contribution is going to be $6,000 for Tax Year 2021.", "But watch the latest video on YouTube to learn more and follow for more financial tips." ]

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[ "आपका वह फोन है कर लेंगे आपका बैंक अकाउंट आपके के वाइस सब कुछ रखने और आपका बैंक अकाउंट पूरी तरह से खाली कर देंगे आप भी अगर बचना चाहते हो तो इस वीडियो को शेयर करो और वीडियो को लाइक कर दो कमेंट करके जरूर बताना कि वी�", "वीडियो के अशिर्वाद" ]

[ 0, 0 ]

[ "nationalized banks, private banks, and international lenders. We do not hold back. If there's something", "good, we'll mention that. If there's something shady, I'll mention that as well. All right,", "before we get into this video, I really wanted to quickly pitch in our Discord server. Our", "over 4,000 people. I personally do staging sessions. I personally do voice sessions.", "And it's so easy because you will be able to find people who have taken loans from other banks,", "who have taken loans, and who are going to some other universities, all of it. So that link will", "be in the description below. Go check it out. I was in your place exactly four years ago,", "where I was confused. What is going to better my interest rate? What is moratorium period?", "How much money do I need for my education?", "How much money do I need to pay for my education loan? And all of these questions. And also the biggest question,", "would I be able to pay back or not? And that, those questions and that knowledge, which I got", "kind of turned into this EduLoans 101 series. In this video, we are going to cover HDFC Cradle.", "HDFC Cradle is a very, very prominent name in this industry, in the education industry,", "in the education loan industry. Everybody, whenever they're planning for a loan, they'll", "look at like two to three big partners, you know, SBI,", "you know, SBI would be one, and HDFC Cradle would be one. In private banks, I don't think anybody stands over it.", "So that's a great thing. And in this video, we are going to cover the following six points.", "We will talk about HDFC Cradle a little bit, which we already covered in a way. Second would be, are you eligible for the HDFC loan or not?", "Third would be the numbers, the interest rate, the moratorium period, the 10-year period, and", "the amount of loan which they will give you.", "Fourth point is pros and cons of taking a loan from HDFC Cradle.", "Fifth point is how to apply.", "And, six point is", "is summary the second point is are you eligible or not now their eligibility criteria requires you", "to be an indian citizen if you're an international citizen or if you're non-indian citizen who's", "watching my videos htfc is not the right option for you i picked up some eligibility criterias", "from their website from credula's website it says borrower must be indian citizen second would be", "co-applicant must be an indian citizen third is co-borrower must have a bank account in any bank", "in india so that's a given and in case of here what they mean by co-applicant is if your parent", "is co-signing your loan that's the co-applicant here they need a confirmed admission in the", "colleges before disbursement so this line can confuse you a little bit but don't worry about", "it too much because they are saying that you need confirmed admission before disbursement", "so you can start your procedure early on even when you don't", "have a confirmed university you want to go for but once you confirm the university you're planning", "to go in august then you just that's that's the single eligibility right before they will disperse", "the loan amount number three how much loan they can provide credula says that they can offer", "100 percent cost of attendance now they do not have the concept of marginally that's what they", "say but they are still writing that they can fund up to 100 percent of cost of attendance", "so they're not going to have a loan amount that's what they're saying but they're still writing that", "your fees is 40 lakhs and you're planning to get a loan of 40 lakhs usually there's a concept of", "margin money in different other banks what margin money is there's like a margin money could range", "anywhere between 5 to 15 to 20 depending on how risky does the bank consider you let's say you", "go to spi and you're planning to take out a loan of 40 lakh rupees they say that 10 lakhs is a lot of money", "there is no criticizoa bonus and that's what they tell you oh you have to take out all that money", "would be your margin money so in that case four lakh would be your payment and 36 lakhs would be", "from sbi so you have to match that tenders impairment in case of htfc they say that there", "is no concept of margin money that means if they are approving you for 36 lac rupees they will give", "put into that loan account of yours so that the bank sees that you're putting", "in your some of your money as well and they are putting in some of their money", "as well so it's just a security thing but it's a good thing that HDFC doesn't", "have that much in money concept next talk about interest rate what is interest rate", "a lot of people compare loan terms based on interest rates yes that is a major", "factor but there are a few things which you should be careful about and I'll", "mention that in the video later on so interest rate can range anywhere between", "11 to 13 percent I have seen going it over 12 percent and I've seen people", "getting it under 11 percent as well if you have a collateral of course your", "interest rate would be lower but if you have a collateral I would recommend you", "to go for SBI honestly just because of the better interest rate but again as I", "mentioned before in Prodigy's video way", "is better than SBI so I recommend you to go for SBI because of the better interest rate but again as I mentioned before in Prodigy's video way is", "in all the options look at HDFC creditor as well look at SBI as well look at", "Prodigy finance as well see and look at other lenders as well I'm just not", "measuring these three look at other lenders as well and see what best", "interest rates what best terms you're getting at okay so the interest rate can", "vary anywhere between 10 to 13 percent they don't really mention what is the", "exact interest rate because it depends on person to person if you are putting", "in a collateral or not and all of those factors", "what is the ten year period you ask and then your period is in how many years", "you have to pay back your loan so HDFC allows you to pay back your loan in 15", "years okay let's talk about an administration fee or what you call", "processing fees so the processing fees can range anywhere between 1% to 1.25%", "that's the best I know I have asked a few students usually it's like 1 to 1.5%", "but it really depends on your branch it really depends on your particular case", "but 1 to 1.5% is is your best bet all right fourth part of this video let's", "talk about pros and cons of creditor let's talk about the pros first I think", "the biggest pro which a lot of people kind of undervalue is that HDFC is such", "a prominent name in this space that you don't have to worry about the legitimacy", "and about the funds which you will receive okay you know that HDFC has the", "money to fund your education so you don't have to worry in that sense it's a", "very well-known name in the world and it's a very well-known name in the world", "so that reputation and credibility and respect which the bank has built over the", "years it's of course one of the biggest biggest factors with why a lot of people", "consider HDFC because sometimes they're okay to pay half a percent or 1% extra", "interest rate just because they know it's more credible it's more second the", "interest rates are comparatively lower than other NBFCs when I talk about other NBFCs I'm talking about", "funds you know comparatively it's lower uh in in some cases third process is a little overwhelming", "but the pro here is that they have a lot of agents all around India which will help you put together", "all the documents they'll come to your house and they'll help you put together all the documents", "even before you have gotten your final admission into the university so that kind of eliminates", "you going to SBI because I took a loan from SBI and I got a loan from SBI and I got a loan from SBI", "and it was such a nightmare because you go there and you are kind of fighting with them about small small things", "currently my sister is also in the process of taking a SBI loan and she is going through the same thing", "so that stress about application and filing in what documents you would need that gets thrown out", "because there's so many agents helping you I know they can be sometimes pushy but you have to", "understand these agents work on commission a lot of times so they have to be pushy but the best you", "can do for you is to understand these agents and they have to be pushy and they have to be pushy", "for yourself in this case is have that knowledge of all the terms and conditions of your load that", "way you will be able to understand what your load terms are but in a better way number four one of", "the bigger uh factors with Indian banks and Indian NBFCs is that the tax benefits so if your parents", "or if anybody is paying your interest rate during your moratorium period a moratorium period is", "while you're still still studying and they don't expect you to pay back any kind of loan", "so let's say you just pay your interest during that time during the moratorium period you get a", "tax benefit I'm gonna leave a link to description about this article you can read more about it", "that's a big pro because my father paid the interest during the moratorium period and that", "gave him some tax benefits at the end of the year so it's definitely a good good uh way to save some", "more money and the fifth one the biggest pro is of course no collateral there is a cosigner but", "that's kind of same across all uh the banks and all the NBFCs that you would need a cosigner or a", "co-applicant it's just the risk model of a bank you know they need somebody to co-sign your loan", "because you're still a student all right let's talk about the cons number one would be higher", "interest rates as compared to SBI or other Nationalized Banks another call is the process can", "be intimidating because the agents can be pushy sometimes but the best way is to educate yourself", "and get through all of this process", "and you should be the more knowledgeable person here because maybe your parents are not because", "you have to pay back this loan so don't get into the trap of getting a 14 of rate because you can", "always negotiate rates also I've seen people negotiating their interest rates and and that's", "about it uh I couldn't really think of any major cons with credula except for the higher interest", "rate and the guys can be pushy sometimes it's definitely a great option if you do not have a", "loan for a very high number as well the fifth point is how to apply it's a pretty easy process", "I think you can just apply online or you can call up credula and tell them like hey you're looking", "for a loan they will send an agent to your house you submit all the documents you upload all the", "documents either online or give it to the agent and they will start the process and then they will", "just lead you through the process so the process is pretty simple it can take a little while before", "but again they will they have a relationship managers each and every person get a relationship", "manager so that's a great way it's a great customer service honestly if I if I tell you", "and it makes sense because they are charging high interest rate so it's definitely an easier process", "uh as compared to nationalized banks when it comes to credula all right let's uh summarize the whole", "thing okay uh summary would be of course credula is a prominent partner", "it's one of the best options you have if you do not have a collateral uh they do need a co-signer", "they do need a co-applicant that's the same person your parents or someone your uncle or someone in", "the family who can co-sign your loan uh they do not require a collateral if you do give them a", "collateral that will decrease your interest rate their interest rate can vary anywhere between 10.5", "to 13 percent or so depending on your case again it's depending on your case", "it's nowhere written on the website that what kind of interest rates are provide so I think", "it's really old person and their credit assessment and their parents salary and their co-applicant", "salary and all of that factors add up you can pay back your loan in 15 uh years their monetary", "period is again two and a half years more introductory period is when you don't have to pay", "your education loan while you're studying so that's also good for you the process is easy", "because", "there", "is", "call which i see with relationship managers is sometimes these guys can be pushy uh try", "negotiating the interest rate if you can it will be good for you of course know all the terms and", "condition of your education loan that's important and one thing which i've been telling you and", "telling everyone from day one is know how much money you are planning to get and how much interest", "rate you're getting and calculate the payments you will be getting afterwards i'm going to leave", "a link of our interest rate calculator and an excel sheet i made uh calculate how much let's", "say you're taking a 40 000 us dollar loan and you are going to start paying in two years calculate", "first of all how much interest you are accruing on that 40 000 when you have disbursed that amount", "and then calculate once you start paying back how much time it will take you to pay back again the", "faster you will pay the better it is for you", "so my roommate himanshu he paid his loan back i think in within like six months or seven months", "after graduation he was like let me pay he actually borrowed money from somebody else and", "paid back his loan because he were he had a higher interest rate and he didn't want to pay back", "a lot lot of amount like a large sum of money so again it makes sense to pay back quicker quicker", "quicker as quick as possible all right that's my thoughts on ngfc creditor", "again take care guys thank you so much for watching this video put down all your questions in the", "comment section below join our discord we are we are moving there thank you so much guys for watching", "this one i hope you liked it take care and i'll see you" ]

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[ "JumboTec is a B2B e-commerce solution in the food and grocery space. We serve over 2 lakh", "plus Kiana stores across 21 cities in India. We have been in operation for past 8 years and we", "have scaled significantly during that time. Two years back we reached out to Decentro for a payout", "solution. We were having struggle with the payout because different store payout was having", "differently and we wanted to bring them all on a single platform. Decentro had the right solutions", "and we came together and created the product. What I liked the most about the company was they", "were able to iterate very fast. While the initial product was not ideal,", "growth was not there. We were able to create a product that was very fast and we were able to", "grow it in the team and came back with few iterations and in the multiple iterations we", "came back with the perfect product. Thanks to their flexibility, their responsiveness,", "we have scaled much faster than we could otherwise have and I am sure in the process Decentro benefited", "from it. So, thank you so much Decentro team for the success we have achieved together and for the", "scale we have achieved. Thank you." ]

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[ "at Let's Talk Mortgage Pro. A HELOC is a home equity line of credit. That is a instrument that", "you can utilize the equity and leverage that equity that you've earned over these last few", "years in your home. If you don't owe anything on your current mortgage, that means that you're", "free and clear and that means your HELOC is a first lien. Now if you do owe like most of us", "do on our houses, then that's going to be a second lien HELOC. What it means basically", "is that first 10 years of that HELOC or that line of credit, it acts like a big fat credit card.", "Essentially what happens is you charge up, you pay down, you charge up, you pay down,", "but the only thing due on a monthly basis is interest only during that first 10 years.", "Now whatever you owe at the end of that 10 years means that for the next 20 years,", "you're going to have to pay it back through principal and interest payments. It is a fantastic", "thing though to leverage your equity in your home to be able to pay off debt, maybe do some home", "improvements or better yet, you're going to be able to pay off your equity in your home.", "So if you're a homeowner and you're not sure yet, invest in a home." ]

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[ "Let's address this now because I think it may have been Fu Manchu who asked this.", "Hey, are CDs a good way to save for short-term events, for short-term ideas like cash accounts and that sort of thing?", "First of all, what is a certificate deposit? How does it work?", "And then is that a thing to be doing right now in a rising rate?", "Are there risks associated with that? How would you tackle that?", "Well, CDs have a place in my heart. I won't say a fine place in my heart because this was the only way my parents knew how to invest.", "And it frustrates me to no end because when my parents thought of investing, it was CDs.", "And CDs are something that your local bank will offer you.", "And this is the promise they give you is that, hey, if you let us lock your money up and they have stated periods,", "it could be six months, it can be 12 months, it can be multiple years.", "You say you're basically promising them you won't.", "Pull this money out because if you do, there's a penalty or you forfeit potentially the income that it could have made.", "But you're giving them the promise.", "I'm going to let you make use of this money and I'm going to lock up my ability to take it out or try to lock it up", "so that you will pay me a premium on the interest rate.", "And it's very, I think we're in this unique time now where interest rates have gone up dramatically.", "The Federal Reserve is fighting inflation.", "So they're raising rates very quickly.", "So we have gone from where your savings account.", "So even at the high yield banks, online banks that are FDIC insured,", "we've gone from where they were paying less than 1% to where currently it's not uncommon to be able to get well over 2.5%", "just on your FDIC insured money market that has no limitation on when you can pull that money out.", "You can put it in today and next week you can go pull it right back out with no penalty", "and they'll just pay you for the seven days that you let them actually have the privilege of holding your money.", "I like...", "Because here's, let me tell you my concerns with CD investing.", "Like I said, this is coming from a place from parents who did this is that for older people or, you know,", "let's just say people who are thinking of CDs instead of investment because right now they feel really safe.", "So a lot of people are saying that's how I'll invest because there's CDs now that if you lock it up for a little over a year,", "you can get over 3% now on these things, even 3.5%.", "Man, 3.5% risk-free feels really good right now.", "But if you're looking at it from an investment standpoint,", "I always tell you be careful of what's going on in the background that you might not see with, you know, in the context of CDs.", "Yes, you're getting 3.5% risk-free.", "But if inflation's 8%, over the long term, your purchasing power is getting eaten alive.", "I mean, your purchasing power is being eroded right before your eyes.", "If you're making 3.5%, but the, you know, but things are going up by 8% because investing, yes, is painful right now.", "But over the long term, there's a close to 90% risk-free.", "There's a 9% spread since 1980 to 2021 of what markets have done, the S&P 500 specifically,", "over what the stated inflation rate was.", "That's something that you're going to have the opportunity when economies recover, you'll be there.", "So that's the difference between CDs for, you know, for investment.", "But, Beau, I want to talk about cash reserves.", "Sure, yeah.", "Because specifically he was asking about should I use this for cash reserves?", "Are there any limitations that people ought to think about for CDs?", "And what are the risks in that aspect?", "This is what I think is so interesting.", "We as humans suffer horrendously from recency bias.", "Here's a great example.", "If I were to tell everyone, hey, right now you can go get a 4% mortgage, everyone would be like, oh, my gosh, that sounds incredible.", "Oh, that sounds so amazing.", "If we rewind it two years ago and I told you that you could have a 4% mortgage, oh, my God, it's so high.", "No way, right?", "We all struggle from that.", "So right now we're seeing these CD rates, and they're looking really attractive.", "Well, yeah, they sound really attractive right now.", "But what if you go buy a 2?", "You're a 2-year CD, and you lock your money up at 4%, 4.5%.", "But interest rates keep rising, and they keep going up.", "And then all of a sudden money markets are paying 4% to 5%.", "And then CDs are paying 6% to 7%.", "You're going to be like, man, why did I captivate those dollars and lock them in a rising rate environment where maybe I didn't have to?", "So right now, while things are on this move, I would be a little hesitant to lock my emergency reserves inside of a CD", "just because you can go get really, really.", "Yeah, exactly.", "With no strings, with no handcuffs on it.", "Now, I know, yes, there are no penalty CDs.", "I've already seen people mention that in chat.", "That is true.", "But do you really want to go through the difficulty of having to go buy a product, underwrite a product, figure out the product,", "when just opening up a high-yield savings account for your emergency fund that you can get to within one to three days", "might be a whole lot of an easier solution for someone who's trying to hold cash reserves?", "Bo, I thought this was just a coincidence.", "I was on.", "I wanted to go look up what the Fidelity Cash Reserves Fund paid.", "Seven-day moving yield because that's how you can figure out what's going on.", "So I typed in.", "I think it's FDRXX.", "And then it pulled up.", "And what I thought was interesting was, this is to give context, that what we don't understand is that the low interest rate,", "the 0% interest rate that we were all so used to is not the normal.", "What's normal, because if you looked at these since inception on the Fidelity Cash Reserves,", "it was like over 4%.", "And I think that that is something that people ought to remember.", "Cash in the past does pay more than half a percent or 35 basis points like your bank is probably offering you.", "So don't get so excited.", "Get caught up in the moment, like Bo said, and see a CD that's paying 3.5% and be like,", "yeah, let's go lock it up for a year and a half to two years when you might be surprised that you could be earning that", "exactly what Bo was talking about.", "Just out of the money market with no lockup period.", "And that's probably because cash reserves for me needs to be money I could get my hands on really quick because they're there for the rainy day fund.", "They're there for the emergencies.", "I don't like how CDs have the threat that they could essentially penalize me.", "And I know they won't take away my money, but just the benefit of the premium I'm getting could be undermined if I had a need for it.", "So why not just go with something that has zero restrictions?", "And like the high interest rate?", "Yeah.", "I mean, I think that's a good thing.", "If you're a big cash holder, know that there are different shares of money market funds or different class that you can buy.", "Some of them might pay like 2.5%, 2.6% for balances under $100,000.", "Some of them, if you have over $100,000, you can get 3%.", "So make sure you're looking at that when you choose your money market account that you're utilizing.", "Well, I mean, to your point on that, if you go look, I mean, I think like the Fidelity Cash Reserves was like 2.52.", "I'm dating this, but it'll be okay.", "Okay.", "But if you have $100,000 of cash, it was right at 3%.", "That's right.", "Yep.", "And then there's a million dollar one that is really right on where the treasury.", "I mean, the spread between what treasuries are offered and those is really tight.", "So that's a great another value add there, Bo." ]

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[ "to cover themselves for a very specific period of time.", "There are a lot of pros of term life insurance, but there's also a few cons of term life insurance", "as well.", "So in this video, we're going to go over the pros and the cons of term life insurance and", "if it is the right option for you.", "What's up, guys?", "For those who do not know me, my name is Philip Sutter.", "I'm the founder and CEO of Affinity Life, where we've helped hundreds of Canadians find", "the right life insurance coverage at the right price, all from the comfort of their own home.", "So if that sounds interesting to you, I'll put the link in the description below and", "you can check it out.", "But without further ado, let's get right into the video.", "So just to give you guys a little bit of basics of life insurance here in Canada, we", "have term life insurance and we have permanent life insurance.", "So like I mentioned, term life insurance is a really good option for the majority of Canadians", "that are just looking to cover themselves for a specific period of time.", "Maybe they just had kids, maybe they bought a house, maybe they have a partner now and", "they have a job and they have some debt that they want to take care of if they were to", "pass away.", "Term life insurance is a very good option for that.", "Permanent life insurance, on the other hand, is meant to cover you until death.", "Term life insurance is a what if.", "Permanent life insurance is a when.", "It's guaranteed to pay out eventually, whether that be during your life, if something were", "to happen.", "Maybe you were 50.", "Or 55 or guaranteed at the end.", "Maybe that's 85 or 90.", "Now, we have two different types of permanent life insurance here in Canada.", "We have whole life insurance and universal life insurance.", "And I've made several other videos on these topics.", "So if you're interested in whole life or universal life, just drop a comment below asking for", "permanent life insurance here in Canada and I will send that to you.", "However, that's a really good option for people that are now looking towards estate planning.", "Maybe they're looking past in some to the next generation, maybe to their kids or maybe", "to their grandkids.", "Maybe they have a second home like a vacation property or a cottage and they know there's", "going to be a lot of people that are going to be looking for a second home.", "down.", "Well, permanent life insurance is a very good option for that.", "However, in this video, we're not talking about permanent life insurance.", "We're talking about term life insurance.", "So first, let's go over the pros of term life insurance.", "The first pro of term life insurance is that it's affordable with locked in rates.", "And so what do I mean by that?", "Well, number one, I mean, it's incredibly affordable.", "So if you're in your 20s or your 30s or your 40s or even your 50s, term life insurance", "is the most inexpensive option.", "And by the way, you can check out Affinity Life to instantly see quotes to see what your", "term life insurance would cost.", "that your premium is not going to increase.", "You're going to lock that in for whatever term you pick.", "Now, you can pick different terms.", "Maybe you want a term 10, a term 20 or a term 30.", "And so during that period, whatever you pick, if you pick 20 years, your term is going to", "be fixed for that duration.", "So if it's $20 a month, it's going to be $20 a month for 20 years.", "The second pro is that it's suitable for a lot of different stages in life and you can", "layer it as well.", "And so what do I mean by this?", "Well, here's the thing.", "Maybe you just started a family.", "Maybe you're 24.", "Five or 30.", "You just got married and maybe you have a kid.", "Maybe you have a couple of kids.", "You got a job.", "You have a mortgage of a house.", "OK, that's great.", "We can get a term life insurance product at that point.", "However, you can get in other stages of your life as well and you can layer it on.", "So maybe you just needed half a million at that point.", "However, as you went through life, maybe you're now in your 40s.", "You need an additional policy.", "Maybe you started a business.", "Maybe you started something else.", "Your need for life insurance has increased.", "Well, you can very easily just go and layer on another policy.", "So it's suitable for a variety of different stages in life.", "And you can layer it on as you go.", "So you can find what your need is at this current time.", "Get that need.", "And then down the road, if you need more, you can get more.", "If you need less, you can reduce the amount of coverage that you have.", "The third pro is that it's a temporary expense.", "So what I mean by that?", "Well, it's not going to be something that you pay for the rest of your life.", "You're really only meant to use this to cover you for a specific period of time.", "So maybe that's from age 20 or 25 or 30 and maybe around age 55 or 60.", "Your need for life insurance is zero or it's decreased", "because now you're.", "Kids are out of the house.", "Maybe your mortgage is paid off.", "Maybe your partner is more financially independent on their own.", "And the need for life insurance just isn't as high at this point.", "And you can cancel it and go on your way.", "So it's not something that you need to pay for for your entirety of your life.", "You use it for that specific period of time and then you cancel it.", "You wouldn't pay for car insurance if you don't have a car.", "So there's no need paying for life insurance if you don't have a need for life insurance.", "Number four, it's a tax free benefit.", "Life insurance here in Canada is not taxable.", "Ninety nine point nine nine percent of the time.", "And by the way, if you're interested for that other point, one percent where it is taxable,", "comment below and ask for the is life insurance taxable.", "I made another video and where there is one unique scenario in which life insurance can be taxable.", "But term life insurance for individuals is not taxable.", "And number five pro is it's incredibly flexible.", "Like I mentioned, you can layer it on.", "You can pick so many different terms.", "That's really the benefit of term life insurances.", "You pick for what you need.", "If you need it for 10 years, get a term 10.", "If you need it for 20, get a term 20.", "There's some companies that do something known as pick a term where you can pick whatever you want.", "You need it for 17 years.", "You can get it for 17 years.", "You need it for 23 years.", "You can get it for.", "So it's an incredibly flexible plan.", "It's incredibly inexpensive.", "And for the vast majority of Canadians, it's a good idea.", "However, there are some cons to term life insurance.", "So let's get into those.", "Number one is the coverage is eventually going to end.", "So term life insurance, like I mentioned, is just for a specific period of time and it will end.", "And so what happens when term life insurance ends?", "Well, you really have three options at that point.", "Number one, you could cancel it and then you could go out and get another contract,", "maybe at a cheaper price than what the renewal would be, depending on your health conditions,", "or you just cancel it altogether because you no longer.", "You need life insurance.", "Number two, you can renew it.", "And essentially what that means is you're renewing it for another duration of the term.", "So if you pick the 10 year term, it would renew for 10 years.", "If you pick 20, it would renew for 20 years.", "And you can do this regardless of your health conditions.", "And number three, you could convert it into a permanent life insurance policy.", "But depending on how old you are, it may be expensive.", "It might not be.", "Now, again, this is regardless of how your medical condition is at that point.", "However, term life insurance will end eventually, whether that be at maybe 65 or 75.", "Eventually it's going to end.", "So if you are looking for a lifelong coverage.", "That's not a good option.", "Which leads me to my second con is there is a max age to obtain term life insurance.", "Usually it's 65 or 75, depending on what company you go to.", "And unfortunately at that point, it can get very expensive if you're in your sixties or", "you're in your seventies and also depends on your health condition.", "So if you're trying to get life insurance later on in life, maybe in your sixties or", "seventies term life insurance is a very bad option.", "I would start looking more at permanent life insurance policies at that point, which leads", "me to the last con.", "Number three is the renewals can be very pricey.", "So like I mentioned, you can renew your term at the end of the term.", "Now, the way that the insurance company has this built in, and by the way, this renewability", "feature isn't in every single insurance company.", "It's in most of them.", "So make sure if this is important to you that you make sure the contract has this.", "However, it is usually quite pricey.", "And so why is it quite pricey?", "It's because the insurance company is factoring in that there may be some health conditions", "that arise.", "Cause remember what I said, you can renew it regardless of your health condition.", "However, if you're still in good health, I would say renewing your policy is probably", "not the best idea.", "Yeah.", "point because the renewals can be quite pricey.", "So who's term life insurance right for?", "Well, I would say it is very right for those families that are just growing up.", "They have kids, they have a house.", "Now they have partners, they might have debt.", "And if something were to happen to them, their loved ones would be very financially impacted.", "Term life insurance is the best option for that.", "If you're looking for lifelong coverage, you're looking for something to last, maybe to pass", "something down to the next generation, to your kids or grandkids, or maybe a charity,", "if that's important to you.", "Permanent life insurance is a much better option.", "As well, if you have disabled children, maybe, or one child, and you know that you need to", "be financially responsible for them for the rest of your life.", "Again, permanent life insurance is a very good option, pardon me, for that individual.", "Now where it gets a little bit complicated is where you start looking at permanent life", "insurance as an investment.", "Now this is where it gets complicated for a lot of Canadians as they say, well, you", "know, I need life insurance and my advisor told me that I could save this and I could", "use it as an investment.", "I could use it during my retirement.", "I would say this very quickly.", "That's not a good option for the majority of Canadians that already haven't maxed out", "their RRSP.", "Or their TFSA and they still have high interest credit card debt.", "It can be a good option for the high income earners that are looking at other tax strategies", "to supplement their income.", "Now, I made another lengthy video where I discuss this apples to apples and I compare", "it to an RRSP so you can see exactly how this works and how it breaks down compared to traditional", "other investments.", "And if you're interested in that video, just drop a comment below asking for the investing", "in life insurance video and I will send it to you.", "However, again, it's not a great idea for the vast majority of Canadians.", "I hope that answered all your questions about the pros and cons of term life insurance.", "If you guys have any questions, feel free to drop them in the comments below.", "And if you guys are enjoying this content, all I ask is that you give it a thumbs up", "and I'll see you guys in the next one." ]

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[ "BEAM गूगल पे जैसी UPI बेज एप में एक वर्चुअल पेमेंट एड्रेस यानि की VPA बनता है", "जिसे UPI ID भी कहते हैं", "इस UPI ID से आप किसी को भी अपनी बेंक एकाउंट टीटेल दिये बिना ही पैसे ले या दे सकते हैं", "ये पेमेंट लेने या देने का सायद सबसे आसान तरीका है", "BEAM एप में आपको फोन नंबर एट UPI का UPI ID बनता है", "आप एक और UPI ID जैसे की XYZ एट UPI भी बना सकते हो", "फ्रॉड करने वाले लोग कहीं से आपका फोन नंबर लेके", "या फिर ऐसे ही किसी भी फोन नंबर के साथ UPI जोड़के पेमेंट रिक्वेस्ट भेज देते हैं", "या फिर आपको इनाम लगा है, कैस बेक मिला है, रिफ़ॉंड आया है वगेरा बोलके", "बातों में उलजा कर पेमेंट रिक्वेस्ट एप्रूव कराने के लिए मना लेते हैं", "अगर आप सतर्क नहीं रहे और रिक्वेस्ट एप्रूव कर दिया", "तो आपके बेंक एकाउंट से पैसे चले जाते हैं", "डे टू दे लाइफ में यूज़ होने वाली गर की छोटी बड़ी चीजे या टेक्नोलॉजी को कैसे ठीक करें या बेहतर कैसे बनाएं", "वो मैं मेरी चैनल के जरिये आप लोगों को बताता रहूंगा", "ऐसे वीडियो को देखने के लिए मेरी चैनल को सब्सक्राइब करना ना भूले", "तो शुरू करते हैं आज का वीडियो", "जब कोई पेमेंट रिक्वेस बेचता है तो एक नोटिफिकेशन आता है और एक एसमेस भी आता है", "नोटिफिकेशन में भी लिखा होता है कि अप्रूव करने पर आपके अकाउंट से इतने पैसे कट जाएंगे", "अगर बिना पड़े क्लिक कर दिया तो अप्रूव टू पे का पेंडिंग पेज खुलता है", "और यहां भी लिखा हुआ होता है कि रिक्वेस्ट किये गए पैसे आपके अकाउंट से कट जाएंगे", "इसलिए अप्रूव करने से पहले दो बार सोच लीजिए", "फिर भी अगर अप्रूव कर दिया तो कन्फर्म करने के बाद पे करने के लिए कहेगा", "यहां भी आप कैंसल सिलेक करके पेमेंट से बच सकते हैं", "मान लीजिए फिर भी आपने पे दबा दिया तो आपको पीन के लिए पूचेगा", "यहां भी आप गलत पीन डाल कर पेमेंट रोख सकते हैं", "अगर सही पिंट लाल दिया तो आपके बेंक अकाउंट से पैसे पेमेंट हो जाएंगे", "यहाँ एप्रो के बजाये डिक्लाइन कर दिया तो पेमेंट नहीं होगा", "और अगर कोई आपको बार बार पेमेंट रिक्वेस बेचता है तो यहाँ से आप उसे ब्लॉक कर सकते हैं", "एप्रो टू पे के कम्पलीटेट में जाकर आप आपके पेमेंट का स्टेटस चेक कर सकते हैं", "बीम एप के प्रोफाइल में जाके आप UPI ID को बदल सकते हो", "बाई डिफोल्ट फॉन नंबर एट UPI वाली ID प्राइमरी होगी और XYZ एट UPI वाली ID सेकंडरी होगी", "यहां नीचे make primary को क्लिक करके आप इसे प्राइमरी ID बना सकते हो और फॉन नंबर एट UPI वाली ID को डिसेबल कर सकते हो", "डिसेबल करने पर QR कोड भी चला जाएगा अब इस ID पर कोई आपको पेमेंट रिक्वेस्ट नहीं बेज सकता अगर बेजना चाहेगा तो उसे एरर आ जाएगा", "मेरा मानना है कि फॉन नंबर एट UPI वाली ID को हमेशा डिसेबल रखना चाहिए ताकि यह आसानी से उपलब्ध इस UPI ID का इस्तेमाल करके कोई आपको फिक्ट पेमेंट रिक्वेस्ट न बेज सके", "है दोस्तों यह हमेशा याद रखे और माइड में बिठा रिजिए कि किसी भी के जरीए जब आपको पैसा किसी को देना होता है यानि", "कि पेमेंट करना होता है तो और तो ही आपको पीन या योटी पूछा जा सकता है अगर पैसा लेना है तो पीन या ओटीपी की कोई", "जरूरत नहीं होती है पेमेंट सीधा आपके बैंक अकाउंट में जमा हो जाता है अगर कैस्ट बेंक मिलता है तो वह", "भी सीधा आपके अकाउंट में जमा हो जाता है तो शातक रहकर फाससें बचिए मिलते हैं अगले वीडियो में टी छू", "है झाल", "चťaire" ]

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[ "Regardless, after this video, you'll have a much better idea, so let's get it.", "With the gold, you're getting two times the points on travel,", "two times the points on everyday purchases such as gas, grocery, and drugstore purchases in Canada,", "one times the points on everything else,", "and one additional point on eligible hotel and car rental bookings.", "So decent multiples, and as you'll see throughout this video,", "this card is somewhat of a blend between the Amex Cobalt and the Amex Platinum.", "Currently, the gold has a pretty solid sign-on bonus of 60,000 points, and you can earn it like this.", "So you'll earn 5,000 bonus points for every month that you spend $1,000.", "If you do that for 12 months, you do the math, carry the one, that's 60,000 points.", "Now listen, if you're having trouble envisioning how good 60,000 points is,", "I did a review of how Amex points can translate into some pretty good travel rewards in my Amex", "Cobalt video, which you can check out somewhere here.", "But the high level is that this is a pretty solid sign-on bonus and can be parlayed potentially", "into a few free flights domestically or some areas of the US, so it's pretty decent.", "By the way, guys, if you do want to check out the Amex Gold or apply or", "any of these, I'll leave a link in the description below.", "If you're into anything like that, check out the first link below.", "It does help the channel.", "I would be forever grateful if you use it.", "So decent multiples and decent sign-on bonus, but how is that annual fee?", "$250.", "Compared to the Cobalt's 155 and change, this is a decent jump.", "But does the sign-on bonus plus the multiples on spend make up for it?", "Well, on $3,000 worth of spending reasonably spread across categories,", "you're going to get $1,940 of value in your first year,", "and then around $740 of value every subsequent year, both figures being net of the annual fee.", "So honestly, the gold has quite strong margins in subsequent years as compared", "to some of the more elite card where that margin of your return on spend versus the annual fee", "is typically tighter.", "The gold has a little bit more room here, but the gold's margins in subsequent years is certainly", "not as attractive as, say, the Cobalt, for example.", "But my friends, we actually do have some pretty interesting perks with the gold that parlay with", "your return on spend.", "First, you can get this card in either gold medal or rose gold medal.", "So that's pretty cool.", "Second, you get a $100 annual travel credit to use towards any single travel booking of $100", "or more when charged to your gold card through the Amex Travel Portal.", "So just like how you guys know that I say that $200 credit that you", "get is a $100 annual travel credit.", "I think you can say the same thing mentally is you can deduct that $100 credit you get", "with the gold from that $250 annual fee for an effective $150 annual fee,", "which is actually $5 and change cheaper than the Cobalt.", "Not too bad.", "Next, with the gold, you'll get a complimentary priority pass membership that gives you access", "to more than 1,200 airport lounges around the globe, regardless of your choice of airline", "or cabin class.", "Now, you'll still be subject to an entry fee here, but per calendar year, you do get four", "complimentary rewards.", "So you get six lounge visits to Plaza Premium Lounges in Canada.", "To be honest, I don't think that's that amazing unless you're only flying domestically like", "in Canada once or twice a year.", "And honestly, when you compare that to something like Scotia's Passport Visa Infinite, which", "you can check out in one of the links above, where you get six lounge visits per year from", "the date of enrollment, providing you with access to 1,200 plus airport lounges globally,", "not just Plaza Premium Lounges in Canada, and has a $150 annual fee that's actually", "waived in its first year.", "So when you compare it to something like that, it's like the lounge benefits are cool, but", "it's not.", "Next, you do receive a $50 Canadian dollar statement credit when a Nexus application", "or renewal fee is charged to your Amex Gold, which is great for frequent travelers.", "Also, you can actually get one additional gold rewards card added to your account for", "free for a loved one to help you earn those points faster.", "That's $50 of value there because every card after that is going to charge you 50 bucks.", "So that's a nice $50 credit.", "You'll also get access to the hotel collection with Amex Travel.", "With the gold in particular, when you stay two or more consecutive nights at participating", "properties, you'll get up to $50.", "You'll also get up to a $100 USD hotel credit to use on amenities like dining, spa, and", "other leisure facilities when charged to the room, as well as a one category room upgrade", "at check-in when available.", "There's also some Hertz car rental benefits like a one car class upgrade when available", "on rentals of five or more consecutive days and the fee for an additional driver being", "waived.", "So that's pretty cool.", "So overall with the perks here, I think they're solid.", "I really do like that $100 travel credit that you get that makes that annual fee more like", "$150.", "That's awesome.", "I think the lounge benefits are cool.", "I think if it mimics something.", "Like the passport, that'd be awesome.", "And I think it'd be very competitive.", "So I guess a little bit left to be desired there, but overall the perks on the gold pretty", "good.", "Next, let's talk about the insurance.", "So you get extended warranty of one year purchase protection of 90 days travel accident coverage", "of up to $500,000 emergency medical term insurance of 15 days up to a max of $5 million for eligible", "medical expenses, trip cancellation and trip interruption coverage of $1,500 each flight", "delay, baggage delay, lost or stolen baggage and hotel burglary coverage each with $500,000.", "And rental car theft and damage coverage on cars with an MSRP of up to $85,000 for rentals", "of 48 days or less.", "So honestly, some solid coverage here.", "I think it's on par with the cobalt, maybe a bit better in some areas, but certainly", "not as beefed up as some of the more elite cards, but overall the breadth of coverage.", "It's great.", "Next, let's talk about the acceptance and some of the drawbacks.", "Like any MX card, the acceptance is going to be a bit more strict.", "There doesn't seem to be an explicit income requirement, but you'll probably need some", "strong credit to get this card.", "You could probably assume a credit score of over $700.", "and Costco being major retailers that don't accept it.", "This is likely because of the higher merchant fees that Amex charges compared to the other", "providers.", "One thing to note though, is that Costco actually doesn't accept Visa either and Loblaws says", "they don't accept Amex, but then Shoppers does and Shoppers is under Loblaws.", "So maybe it works sometimes, but overall I think it's not really that big of a deal.", "Furthermore, it seems like Amex is not going to be accepted.", "The reason why I think Amex is not going to be accepted is because of the fact that", "the Amex acceptance is actually potentially growing across Canada.", "I think the notion that nobody takes Amex is completely overblown.", "Personally, I haven't found that.", "I know many Amex users haven't found that.", "In those instances where they don't take Amex, you just whip out your Visa, you whip out", "your MasterCard.", "People got to relax a bit on that.", "So is the Amex Gold worth it?", "So to me, it seems like the Gold is Amex Canada's middle option between the Amex Platinum and", "the Amex Cobalt.", "And it is, but in some ways it isn't.", "I honestly think that this card would be better and potentially a steal if it really committed", "to being that middle option.", "Maybe at a 300 to 400,000.", "$400 annual fee, but you get something like eight complimentary lounge visits per year", "to the full Amex lounge network.", "Maybe higher multiples, like three times the points on travel.", "Maybe insurance coverage is being a bit more beefed up and like really committing to be", "that upper mid tier card than one of the best in the country.", "I think if it did something like that, it would just be one of the best options that's", "out there.", "Look, the Gold overall is a really good card.", "Signup bonus is good.", "Decent multiples so you can rack up some points.", "A little bit of lounge access.", "You got that $100 travel credit that effectively makes that annual fee 250 down to 150.", "So that's pretty great.", "Solid, solid card.", "Solid gold, if you will.", "You know what I'm saying?", "Look, if you don't want to commit to the platinum, but you want a bit more perks than the Cobalt", "gives you, then I think the Gold could be a good option for you.", "Now, if you really want to know what some of the best credit cards are in all of Canada", "for that sweet, sweet lounge access, check out the video here and I'll see you in the", "next one." ]

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[ "how would you rank them why why do you have to rank them so that people know what to prioritize", "they're all important but if you had to rank them", "money money first if i can handle money the rest is easy right in america they say no money no honey", "but what about health health is expensive yeah well you should be" ]

[ 1, 1, 0, 0 ]

[ "That's a long-standing NEP position. I thought maybe we'd find some help from", "the Conservatives, but they're obsessed with the carbon tax. Well let's have a", "little honesty about the fact, first of all, the carbon tax doesn't apply", "everywhere in the country. BC, Quebec, Nova Scotia, New Brunswick, Newfoundland and", "Labrador, the Northwest Territories all have their own carbon pricing system.", "Removing the federal carbon tax from home heating won't do a whit for people", "who are concerned about the cost of home heating in those provinces. Maybe the", "provincial or territorial government will do that, but it sure as heck ain't", "gonna happen here. What would help everyone across the country is if we", "removed the GST on home heating because that does apply all across the country.", "It's why it's a better solution. It's why we proposed it in an amendment to a", "Conservative Opposition Day motion that presumably was about affordability", "and", "help people and they said no. Why? I'm not gonna take that as their permanent", "answer because I believe that we have to believe here that people can come to", "their senses and make better decisions. It's why I asked the leader of the", "Conservative Party just earlier this day after his remarks on the fall economic", "statement if he would join with us in order to work to get rid of the GST on", "home heating and he dodged the question. He never once mentioned the GST in his answer." ]

[ 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 0 ]

[ "वो side में क्या withdrawal slip रखी है?", "पहले वो भर के लाओ", "बैंक में ना ऐसे पैसे नहीं मांगे जाते हैं", "Sir, withdrawal slip की ज़रूबत नहीं पड़ेगी", "ओहो, ये बैंक तुमारे पापा का है क्या?", "Relax sir, मैंने अभी UPI से payment किया था 7 दिन पहले", "amount मेरे account से debit तो हो गया था", "लेकिन merchant के account में गया नहीं", "आ तो अपने आप reversal आ जाएगा", "Sir, auto reversal भी आ गया है आज", "तो फिर हमारा यहाँ पे time क्यों waste कर रहे हो?", "Sir, as per RBI notification", "अगर ऐसी situation arise होती है", "तो मुझे T plus 1 day में auto reversal आ जानी चाहिए थी", "अगर ऐसी situation arise होती है तो मुझे T plus 1 day में auto reversal आ जानी चाहिए थी" ]

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[ "Today we are talking about Robinhood and its new product that it is offering customers,", "retirement accounts. You see, retirement accounts are such an important piece when it comes to", "building wealth for financial independence, but also for just general retirement. And so", "for Robinhood, a company that has focused more on trading, which is a very short term type of thing,", "for them to be introducing a long term investment product like retirement accounts,", "I think we must talk about this because there are some pros and there are some cons related", "to this new product. And something else that is very interesting about this is that Robinhood", "is promoting that they will be matching contributions to these retirement accounts.", "You see, for a lot of people that don't have a traditional employer that provides that match", "to, let's say, a four-year retirement account, they will be matching contributions to a", "newsworthy and requires a deeper look. So for those of you that aren't familiar", "with Robinhood, it's a brokerage firm. And traditionally, it has allowed people to invest", "in a standard brokerage account and to buy and sell different investments commission free.", "But now they are expanding their products and they're allowing people to invest in", "individual retirement accounts, also known as IRAs within the Robinhood.", "Now, Robinhood was a major disruptor in the financial industry when it first hit the scene", "because it was allowing people to buy and sell stocks commission free. This was something that", "was not offered before Robinhood came along. Now it's pretty much standard across most brokerages.", "You can buy and sell, you can trade equities commission free. And if it was not for Robinhood,", "many of these brokerages today would not be doing this.", "And another thing about Robinhood,", "at the time that it first began its platform, was that it became very accessible for people to", "invest. You could download their app onto your phone. You could open up your account on your", "phone, look at all of your different investments. So it really introduced investing to a lot of", "people. A lot of younger investors began investing simply because of Robinhood.", "Now, this accessibility was wonderful at first, but it eventually became a very dark aspect", "of using Robinhood to invest in.", "The stock market. You see, as Robinhood grew, it began to expand its offerings to other types of", "investments that were a lot more riskier, like options trading, like investing in crypto. And", "Robinhood's marketing also took on a different tone. You see, Robinhood has been criticized with", "the gamification of how it's done investing. That's right. So because investing was so", "accessible, it's so easy to find different investments on your phone. Robinhood was also", "pushing different alerts, different trades, and different ways to get your money. And so, Robinhood", "entrepreneur needs to be responsible for this too. And the third shock to investing as a", "out how toWE risk a lot of money together.", "conversions from a tip to the topмотрите.", "exciting with all of these notifications, with the way the screen looked. It looked like a video", "game. And so for a lot of young investors that were always on their phone, for them to see these", "notifications, it caused them to want to take action on those trades. And what happens when", "you are trading all the time? Well, one, you make mistakes by jumping in and out of the market.", "The second thing that is really bad about trading all the time is that there are tax", "implications when you are constantly doing this type of thing.", "And third, let's not forget the impact of emotional investing. When you're seeing all of these alerts", "about investing in different trades and you're seeing them constantly, you become more of an", "emotional investor. We always say that you should really have your investments set up so that they", "run in the background. You're not constantly checking your balances as the market fluxes.", "But for many people that invest with Robinhood, because of these constant alerts, they're more likely to check their accounts and make emotional decisions based off of their investments.", "And those emotions also involve a level of stress.", "There are so many people that because they have money on this app, they are constantly under stress by looking at this app.", "Seeing their balances go up and down, it can be something that for a lot of people, the stress can be overwhelming.", "Now we say this to share the downsides of Robinhood, but this is not based solely on our opinion.", "The federal government actually investigated Robinhood and imposed one of its largest fines on a financial company based off of the fact that Robinhood was misleading customers and encouraging risky trades.", "They fined Robinhood $70 million because of its practices.", "Now we say all this, the pros and the cons, to set the stage for what Robinhood has introduced recently.", "Retirement accounts.", "And so for anyone out there that is considering growing their retirement accounts with Robinhood, these are things that you must take into consideration.", "This is the company that you are going to be giving your nest egg to, the money that you expect to live off of in your golden years.", "So you should recognize what type of company you are investing in.", "With that said, let's talk about Robinhood's retirement accounts and our opinions on them, pros and cons.", "So let's first start off with the two types of retirement accounts offered by Robinhood now.", "It's a traditional IRA and a Roth IRA.", "Now it's important to recognize that there are other types of IRAs that people can invest in, but with Robinhood, these are the only two IRAs offered.", "So very quickly, let's discuss the difference between a traditional IRA and a Roth IRA.", "So with a traditional IRA, you are contributing pre-tax dollars and the money in that traditional IRA, once it grows, it's growing.", "Now with a Roth IRA, you're actually contributing after-tax dollars.", "That means the money that grows in your Roth IRA is actually growing tax-free.", "So when you go to take that money out from your Roth IRA, you're not paying taxes on it.", "Now one thing to keep in mind about the difference between a Roth and a traditional IRA also is about accessing the money.", "Now with a traditional IRA, you typically cannot pay taxes on it.", "You cannot access that money until you turn 59 and a half unless you want to pay significant penalties.", "Now with a Roth IRA, it's a little bit different.", "Because you're using after-tax dollars to contribute to this type of account, you can actually pull out your contributions at any time.", "But the growth of that account, you actually can't access penalty-free until you turn 59 and a half.", "Now there are certainly exceptions to this rule, but it's very important to understand accessibility", "when you're really deciding on whether you want to contribute to that account or not.", "So you can't just say, I'm going to contribute to a Roth IRA or to a traditional IRA.", "So now that you know the difference between a traditional and Roth IRA, let's talk about some of the pros of opening up these accounts with Robinhood.", "And the first very big one that Robinhood is touting is that they are now offering a 1% match for those that are opening up a Roth or a traditional IRA with Robinhood.", "Now one of the cool things is that this match does not count against your annual contribution limitations to these accounts.", "So in 2022, you're going to be able to pay tax-free.", "So in 2022, the maximum is $6,000.", "So you can contribute that $6,000 and Robinhood will contribute an additional 60 bucks because of the 1% match.", "Now Robinhood touts this match as something that is one of a kind that has not been done before.", "And this is true. We have not seen any brokerage firm do a match like this.", "The other thing that's good about these accounts is that Robinhood is making a point to educate its investors on retirement.", "And the brokerage firm is making a point to educate its investors on retirement.", "And all of these it will guarantee becomes Zombie de Ponty.", "But because this is Robinhood and Robinhood has a track record of doing some things that haven't been in the best interest of their customers, we must approach these accounts with a bit of skepticism.", "And so Christina and I, we want to talk about some of the cons and concerns that we have noticed about these accounts at Robinhood.", "So the first con or concern that we have is in the way Robinhood has been marketing these accounts to self-employed gig employees, the entrepreneur.", "You see, we said earlier that it was a pro that people are being introduced to new retirement accounts by Robinhood.", "But the fact is these retirement accounts have always been around, but at other brokerages.", "I mean, Charles Schwab, Vanguard, you name it, they have had traditional and Roth IRA accounts.", "So the first con or concern that we have is in the way Robinhood has been marketing these accounts to self-employed gig employees, the entrepreneur.", "So the fact that Robinhood is now selling these means that they are doing something that everyone else has already been doing.", "The other concern that we have is that because Robinhood only provides these two types of retirement accounts, they are really emphasizing these as really the best and only option to people that don't have access to a traditional 401k.", "But the fact is there are other retirement accounts for entrepreneurs that are a lot better.", "And some of those are not.", "And some of those include the SEP IRA or the Solo 401k.", "You see, with both of those accounts, you can actually contribute a lot more money annually to those accounts.", "And because you can contribute a lot more, you see a lot more tax advantages with these other accounts.", "The next con or concern that we have is with the 1% match.", "You see, Robinhood has said that they are matching 1% of your annual contribution.", "And that sounds wonderful on the surface.", "But the reality is that if you contribute.", "$6,000 annually, which is the 2022 maximum contribution, Robinhood is giving you 60 bucks.", "And that is not a lot of money.", "That is actually not a lot of money when you take into account the fact that Robinhood has already been fined $70 million for misleading customers and encouraging customers to make risky trades.", "When you think about the $60 that you can get, but the amount of money that you can lose because you've been misled or because you're doing risky trades.", "The payoff just doesn't make sense.", "Now, some of you may look at this 60 bucks as a bonus as a sign up bonus.", "But in order to benefit from that 60 bucks annually or from that 1% contribution, you must stay with Robinhood for five years after that contribution has been made.", "That is a long time to stay with the company if you're only looking for a bonus.", "Now, bonuses are offered by a lot of brokerages.", "In fact, they are a lot bigger than the 60 bucks.", "Let me tell you.", "So if you are looking for the bonus money, there are better places to look.", "The next con that we have actually has to do with the type of investments that Robinhood offers to its investors.", "As an investor with Robinhood, you cannot invest in mutual funds, which also include index funds.", "You also can't invest in bonds.", "So when people are thinking about developing their portfolio for retirement.", "A lot of people have at least a small percentage of bonds in their portfolio.", "Robinhood does not offer that.", "The next concern is with the customer service at Robinhood.", "Now over the years, Robinhood has done some things to improve upon its customer service.", "I know when the brokerage first opened, there was no customer service line for you to call someone and talk to a real person.", "Now that option is available, but it's still relatively difficult to get good customer service at Robinhood.", "On the other hand, some of the other brokerages like Vanguard, Fidelity and Schwab.", "You can call up a person and have a real conversation with them about your investment accounts, about your retirement accounts.", "The next con is that even though Robinhood has been expanding its offerings, it's not a brokerage company that someone could grow with.", "And what I mean by this is as you start to accumulate more wealth, as your personal finance situation becomes more and more complex.", "Robinhood does not have the other accounts in place to help support that.", "So what we mean, for example, is that you can't open a custodial account with Robinhood.", "You can't open 529s with Robinhood.", "There's just different limitations because of the offerings that Robinhood has that it really makes it difficult for people to grow their wealth there and then continue to grow their wealth there.", "Many times when people grow their money to such great lengths, they have to step outside of Robinhood.", "And begin investing with a more traditional low-cost brokerage firm.", "And this brings us to our last point about Robinhood.", "For us, Robinhood still feels like a game.", "The gamification of investing.", "And for anyone that is building long-term wealth, especially for retirement, you don't want to have an interface that feels like a video game.", "You don't want to have your retirement account at your fingertips that you can tinker with.", "This is something that you want to create some depth.", "You want to create some distance with.", "And so we think for anyone that is opening a Robinhood account to invest for retirement, this will be a serious con because many people may fall prey to the gamification of investing.", "So those are our pros and our cons when it comes to the new accounts that Robinhood is offering.", "What we encourage everyone to do is do their own research.", "And remember that when you start investing, you must be investing with a plan.", "And a part of that plan involves picking a brokerage that you feel that you can grow your wealth with.", "If this video has given you food for thought, as we always try to do, please give this video a thumbs up, subscribe to our channel, and join the journey." ]

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[ "ये लीजिये मैडम 68 रुपीज हुए आपके", "ओके बाया मैं UPI से पेमेंट करती हूँ", "एक मिनिट मैडम UPI से कर रही हैं तो 1.1% एक्स्टा चार्ज दे दिजेगा", "एक अप्रेल से सरकार का नया रूल आया है", "अरे भईया लगता है आप फिनोन को फॉलो नहीं करते हैं", "इसलिए आपको इस रूल की रियालिटी नहीं पता है", "UPI आज भी फिरी है मेरे लिए भी और आपके लिए भी", "अगर UPI पेमेंट बैंक अकाउंट के थूरू किया जाए", "जो UPI से लिंक है", "अच्छा तो 1.1% चार्ज का क्या ड्रामा है मैडम", "NPCI ने 1.1% चार्जेस 2000 रुपे से जादा के पेमेंट पे लगाया है", "अगर वो पेमेंट UPI से नहीं PPI से किया जाए", "PPI मतलब Phone Pay, Paytm, Movie Quick जैसे बॉलेट", "और ये चार्जेस हम कस्टमर्स को नहीं", "आप जैसे मॉर्चेंस को पे करना होगा", "अच्छा तो UPI पे कोई चार्ज नहीं है", "चार्ज PPI पे है समझ गया", "पिनोन वाले गजब ग्यान देते हैं", "आप लोगी फॉलो कर लेजिये और इस वीडियो को पूरे इंडिया में सेर कीजिए", "कोई गलत फाहमी ना रहे किसी के दिल में" ]

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[ "लेकिन मैंने तो वो payment किया ही नहीं है", "और नहीं मैंने किसी के साथ OTP share किया है", "अच्छा तो मैं भी आपका card लॉक कर देती हूँ", "बाकी अपने पैसो का थोड़ा ध्यान रखा करें", "हाँ मेरे पैसो का ध्यान तो मैं रख लूँगी", "लेकिन आपको अभी ये amount मुझे reimburse करना पड़ेगा", "sorry ma'am हम आपको कुछ reimburse नहीं करेंगे", "लगता आपको RBI के rules के बारे में नहीं पता है", "अगर मेरे credit card के साथ ऐसा कुछ हो जाता है", "आपको ये कैसे पता? क्योंकि मैं CS आक्शी जेन को फॉलो करती हूँ", "आप भी घर लो" ]

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[ "Excuse me, sir", "Hello sir, welcome to our bank", "मुझे अपना savings account खुलवाना है", "बिल्कुल sir, ये form भर दीजिये and that's it", "Okay, and sir, आपने अमारे bank पे इतना trust किया", "तो हमारी भी तो कुछ responsibility बनती है न", "Oh, तो हमारे पास एक exclusive credit card है", "अपने कुछ खास customers के लिए", "बट मुझे credit card नहीं चाहिए", "क्योंकि एक बट debt trap का फसके तो वाट लग जाती है इंटरस्ट पे करते करते", "Absolutely, sir", "That's why हमारे इस exclusive card में", "सिर्फ 3% का इंटरस्ट लगता है", "3% per month, right?", "Yes, sir", "3% per month", "That is 36% per annum", "यही 3% की scheme बता कर तो आप लोगों को चूना लगाते हैं न", "तो हम कैसे चूना लगाएंगे फिर?", "लगाने दूँगा भी नहीं", "और आप भी सवधान रहिए और चूना लगने से बच्चे", "And do follow for more like this" ]

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[ "Senator, are you saying that you're opposed to debt relief for impoverished countries?", "No, we should forgive the debts, but that's not going to help those countries very much.", "What will?", "Tax cuts.", "Some African tax rates are the highest in the world.", "In Tanzania, the 30% rate kicks in at $475 of income.", "Plus, they have a 20% value-added tax.", "It gets added to everything you buy.", "Those high tax rates make it impossible to build capital in those countries.", "So nothing gets built.", "Not factories, not roads, not anything.", "Poor African countries have the lowest wage workers in the world.", "And yet a company like Nike, for instance, can't put a factory in one of those countries", "because of the oppressive tax rates.", "Taxes have killed any possibility of economic development.", "They killed any hope of these countries ever helping themselves.", "Helping themselves.", "And that leaves them completely at the mercy of charity and loans.", "And here's the worst part.", "You know why those countries have such high tax rates?", "Because of us.", "To show us that they can raise enough money to pay back their loans.", "But taxes can't raise any money if they kill the economies.", "It turns out that the tragic unintended consequence of our good intentions toward Africa, our", "kindness, is that we have encouraged those countries to pay back their loans.", "If we don't urge those countries to cut their tax rates, they will never grow their economies.", "People will live lifetimes of unemployment.", "Disease will be rampant.", "Poverty will be permanent.", "And children will be hungry.", "And our charity will never be enough.", "Never." ]

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[ "$24 million in a fund of funds.", "$24 million?", "Yeah, it was in a situation, it was not in the core part of our business.", "Okay, so what do you think happened there?", "And then I want to...", "I actually believe this technology is going to be very important.", "I believe the next generation for markets,", "the next generation for securities will be tokenization of securities.", "But Larry Fink states that BlackRock is still in crypto for the tech despite the FTX scandal.", "And it reminds me of the famous meme,", "Bitcoiners be like, I'm in it for the technology." ]

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[ "Hello.", "Oh, I'm sorry. We're only boarding rows 9 and above right now. You'll have to wait.", "I'm in row 8.", "Please step aside, sir.", "It's just one row. Don't you think it's okay if I...", "We'll call you row momentarily.", "Step aside, sir.", "We're now boarding all rows, please. All remaining rows.", "Hello.", "Enjoy your flight." ]

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[]

[]

[ "But it turns out it's also been ground zero for fraud.", "Nearly 100 people charged so far with attempting to steal almost a quarter billion dollars.", "CNBC's learned that some of that money was laundered through popular apps.", "You probably know them well. Venmo, Zelle, Cash App, PayPal, all perfectly legal ways to get and spend and send money.", "But police say these apps are being exploited by so-called money mules.", "Here's CNBC's Kayla Tausche.", "I've never seen in my 28 years experience the amount of fraud that I've seen currently.", "In this music video, L.A. rapper Nuke Bizzle brags about getting rich by stealing.", "He claims he's stealing COVID-19 unemployment benefits.", "The video says it was produced just for entertainment purposes, but a criminal complaint claims otherwise.", "The rapper is facing three felony charges for obtaining more than $1.2 million in those benefits,", "some of the money accessed on Cash App transactions.", "He has pled not guilty, and his attorney declined to comment.", "Faster payments means faster fraud.", "Secret Service Supervisor Roy Dotson says fraudsters can easily exploit Cash App Venmo.", "PayPal and Zelle to move money back and forth.", "The $2 trillion CARES Act, an easy target.", "The Secret Service has more than 700 pending criminal investigations into COVID-related fraud,", "and they increasingly involve one of these apps.", "How easy has this type of fraud become to conduct for these criminals?", "Extremely easy, just because of the online application process that's in place.", "That ability makes it something that they can do remotely.", "And then direct that to different money mules across the country.", "Here's how it works.", "Criminals illegally apply for and obtain funds from a program like the Paycheck Protection Program.", "Once the money hits, they bounce it to another account, and then another,", "obscuring the money trail, making it harder to trace.", "Thousands of law enforcement working across the country may be no match for the scope and speed of the fraud underway.", "We have seen an explosion of fraud.", "Now you get to hide behind a digital device.", "Detectives Ricardo Pena and Jason DeLuca of the Coral Springs, Florida Police Department", "say criminals are also moving money using the apps, targeting people hit hard by the pandemic.", "Fraudsters solicit innocent victims on social media, promising help with bills through Cash App.", "Others promising free money, just direct message for details.", "One of the schemes that they're doing is they'll get you hooked.", "They'll be like, hey, listen, that $1 that you sent me, I could make it $10.", "$10.", "Like, okay, so what is there to lose?", "In these surveillance photos, a suspect is cashing out money at a Florida ATM.", "Police say the money came from fraudulent checks, with funds sent through Cash App by an unwitting victim.", "You send them money, they could disappear.", "They'll block you, and you cannot talk to them anymore.", "It's made it very easy to steal a victim's funds and then transfer it, not only to one location, but then to another and another.", "Was it inevitable when those programs got passed that there would be fraud?", "Or was there something that Congress could have and should have done to put guardrails and oversight in the programs to keep this from happening?", "It was inevitable.", "Just the amount of money.", "You're going to have different criminal organizations and individuals, basic scam artists, they're going to try to take advantage of that.", "Cash App says it continues to bolster fraud-fighting resources, investing in new staff and technology.", "PayPal, which also owns Venmo, says it, too, is aggressive in fighting fraud.", "And monitoring transactions for unusual payment patterns.", "Zell declined to comment on specific fraud-fighting techniques, but said once a consumer reports a suspicious incident, that it works with banks and credit unions to stop any future activity.", "Chef?" ]

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[ "account and a 3% high yield savings account that sound great on paper, but are maybe not all that", "they're cracked up to be. We're going to talk about it. But before I do, I'm going to ask you", "to please subscribe to this YouTube channel if you have not already. And if you have already,", "I thank you for doing so. So Green Dot made this announcement today that they are offering a 3%", "unlimited cashback savings account and a 3% high yield savings account. Now, I saw these headlines", "in a couple different places today and was very surprised to see how little digging a couple of", "news outlets did because this offer, while it sounds good, is not quite as good as it does", "sound. So we're going to look a little closer at it. First off, let's talk about the unlimited", "cashback bank account from Green Dot. You put your money in, it has a debit card,", "attached, and you get 3% cashback unlimited on, well, some things, not everything. Now,", "unlimited sort of suggests that you would get 3% on everything, but you don't. You get 3%", "on online purchases and 3% on in-app purchases. Now, that's not bad. That's, you know, pretty", "good for online purchases and in-app purchases. However, when you call it an unlimited cashback", "bank account, it would suggest that you're going to get that 3% across.", "And you do not. Secondarily, you only get your rewards on this account one time per year. So", "you're going to have to hold on to the account at least for one year. And then if you want rewards", "for a second year, you're going to have to hold on to it for another whole 12 months. So they would", "like you to think of that as sort of a forced savings, but as far as I'm concerned, it's really", "holding your rewards for ransom. Third, there is a $7.95 monthly fee if you don't spend at least", "$1,000. So that's a good thing. So that's a good thing. So that's a good thing. So that's a good", "thing. So that's a good thing. So that's a good thing. So that's a good thing. So that's a good thing.", "debit card on a monthly basis. So obviously, if you can't hit that $1,000 spend, well,", "then you're going to be getting less than 3% on those purchases, especially when you thought", "those purchases might be 3% on everything. It's only 3% on online and in-app 0% on everything else.", "Now, the second piece here is the 3% high yield savings account. Not any real hurdles necessarily", "necessarily here, but some things to know. Number one, you're only going to get that 3% on up to", "$10,000 that you have in the account. The way they are actually going to calculate what you get", "is based on the average daily balance you have in the account over the course of a year. And now,", "when I say over the course of the year, that is because you only get your interest one time per", "year, just like how you get your rewards only one time per year in the other account. Now,", "that is really it as far as that is concerned. However, you do have to realize that you can only", "get the high-yield savings account if you have the cashback account. So that potential $7.95", "monthly charge, if you don't spend $1,000 with your debit card, is still going to come into play", "here, which means it could eat away at your earnings from this high-yield savings account", "if you aren't hitting that $1,000 a month spend. And if you're thinking that maybe you know some", "loopholes that can get you to that $1,000", "spend, then I would suggest that you look at the debit card. And if you're thinking that you know", "that you can spend quicker, Green Dot may be a little bit ahead of you in terms of their thinking.", "They have closed some loopholes. You're not going to get credited for spending on gift cards toward", "that $1,000. Airline tickets that you purchase online do not count toward that $1,000. Any bill", "payment that you would do out of the bank account does not count toward that $1,000 either. They", "want you to kind of make this your primary payment card or payment source and be buying real,", "goods and services with it that they are going to be getting their cut of, which of course is going to help them pay you the rewards and the money on your high-yield savings account.", "first", "the cart", "and that it may be this love", "if your", "monarch因", "for everything you purchase. But again, you're getting that 3% only on the online and in-app", "purchases. You go into a real store with that debit card, you are not getting anything. But", "debit card holders are sort of used to not getting as many rewards as credit card holders. So, you", "know, if you fit in that bucket, maybe this is okay for you. As far as I'm concerned, though,", "you know, I'd rather have a good cashback credit card that is going to get me a good rate on", "everything that I buy and maybe a high yield savings account that doesn't quite hit that magic", "3%, you know, button there. But overall is going to give me, you know, probably close to what I", "would get with this combination without having the worry of having to spend a thousand bucks a month", "in order to avoid a $7.95 fee every month. So that is it overall. Not a bad deal, especially", "if you are someone that prefers debit over credit.", "And you can hit that $1,000 a month spend for sure every month. However, I think the offer is a", "little misleading. They're sort of using that magic 3% number to make you feel like you're", "getting more than you are. And then once you hit the fine print, you say, oh, well, it's not", "completely 3% that I am getting here. I would love to hear your comments in the comments section", "below. Please leave them if you have any. Otherwise, I thank you for watching. And as always,", "please go to ProudMoney.com where we do credit card reviews.", "We have personal finance news. We talk deals and all sorts of other fun stuff too.", "Thanks for watching. Bye." ]

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[ "रूप करते हैं आज की वीडियो दोस्तों आज के इस वीडियो हम लोग सीखने वाले हैं ना कि क्या गूगल पेस जब आप कोई", "पेमेंट करने जा रहे हैं ना तो पेमेंट फेल्ड हो जा रहा पैसा ट्रांसफर नहीं हो रहा है आप इस प्रॉब्लम को", "कैसे ठीक करेंगे और क्या यह तरीका है सारा कुछ आपको लाइव बताने वाला हूं वीडियो थोड़ी सी बेच्ची लग जाए", "पैसा ना ट्रांसफर तो आप क्या करें कौन से सेटिंग करें कि पैसा गर्ड ट्रांसफर होने लगे आपको सारा कुछ लाइव", "बता रहा हूं ठीक है तो वीडियो अच्छी लग जाता सपोर्ट भी करेगा वीडियो को लाइक और चैनल को सब्सक्राइब जैसे", "जीतिंद्र जी को ठीक है और मैं यहां पर जैसे यहां पर फिल करके अपने बैंक अकाउंट से यहां पर यूपी आई", "पिन डालना हूं और यहां से जैसे राइट कर रहा हूं ना तो यहां पर समस्या हो रही है थोड़ी सी देखिए मनी वाइज", "और डेबिटेड अयू है विद डेली लिमिट मतलब इस तरह से दिक्कत आ रहे आपको कुछ पहले कंडीशन समझा दो फिर", "उसके बाद आपको इसका सलूशन बता रहा हूं देखिए दोस्तों यदि आपने नई नई उपीआई बनाया ठीक है तो उसमें पांच", "हर का लिमिट लग गया होगा यह पहला ट्रांजेक्शन कर रहा है तो सबसे पहले नियम मैं इस टेब बाइस टेब बता रहा", "हूं कि पांच अर्ड का लिमिट लग जाता है नए उपीआई है तो 24 घंटे के अंदर आप पांच यह ट्रांसफर कर सकते हैं", "तुरुप के पहले दिन यदि पहले दिन आप पांच हर में से 12 रुपए कुछ भी पहला ट्रांजेक्शन कंप्लेट कर लेंगे उसके", "पांच अर्ड का लिमिट हटकर आपके बैंक के द्वारा जो लिमिट बनाया गया है एक लाख रुपए एक दिन में तो लिमिट", "एक्टिवेट होगा लेकिन 24 घंटे के बाद लेकिन 24 घंटे के अंदर आप एक दो रुपए किसी पर भेज लीजिए उसके बाद", "लिमिट हो जाएगा पहला तरीका यह होता है दूसरा यह है कि आप दिन में पांच बार दस बार किसी को पैसा भेज देते", "हैं इस तरह से आप सनाता है यह विदिश द डेली लिमिट तो इस प्रॉब्लम को आप नहीं ठीक कर सकते आप 24 घंटे बाद", "क्लिक करने कि बाद बैंक अकाउंट पे आपको जाना है आप जिस बैंक कि आपका पैसा नहीं ट्रांसफर हो रहा है उस बैंक", "पर आपको क्लिक करना होगा तो जैसे हमारा स् Touch मैं लगी नहीं ट्रांसफर हुआ है हम इस पर क्लिक किया", "गया ठीक है लिखने वाले का अप्साइम होगा नीचे नीचे बहुत सारे ऊपर आप लोग लेकिन कोने पर एक आप सुनोगा थ्री", "डॉट का थ्री डॉट पर क्लिक करिए और यहां पर रिमूब एकाउंट पर क्लिक कर दीजिए और कंटीन्यू कर दीजिए जैसे", "पर करके कंटिन्यू करेंगे तो आपका एकाउंट रिमूव हो जाएगा गूगल पेसे लेकिन आपको भी बता रहा हूं आप इस प्राव्लमों", "और अब आप पैसा भेजेंगे ना हेंड्री परसेंट पैसा जाएगा दोस्तों वीडियो अच्छी लगे तो सपोर्ट करेंगे वीडियो को लाइक", "और चैनल को सब्सक्राइब दोस्तों बाय-बाय अ" ]

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[ "be talking about the Chase Ink Cash. This is a very interesting version of the Chase Ink card", "that gives you cash back. Before we get into the bread and butter of the video, I will say if", "you're applying for this or any of the cards that we talk about on this channel, I would highly", "recommend and highly encourage you to click the links down in the description below. When you do,", "we get a small affiliate kickback and it really helps us to pay our employees and create helpful", "video content into the future. With that being said, let's jump straight into the basics about", "this card, the Chase Ink Cash. So first and foremost, let's talk about the signup bonus.", "This signup bonus, you're not earning points, you're not earning anything except for cold,", "hard cash and you're getting $500 of that. That's pretty good. If you compare this to the signup", "bonus of $500, you're not earning anything except for cold, hard cash and you're getting", "Now, in terms of actually earning these points, you have a couple of different options. You get", "5% back at things like office supply stores and paying for your internet. And then you get 2%", "cash back at restaurants. And then obviously the standard 1% at everything else that you spend.", "Now, the annual fee on this card, it's the normal.", "$95, not too high, not too low, right in the middle. When we're talking about who should", "actually go about getting this card, right? Or some of the perks on the card, the perks itself", "really aren't that anything to write home about, right? At the end of the day, the people who are", "going to want to get this card really value having cash. I talk to business owners all the time and", "they say, I don't care about points. I don't care about miles. I don't care about if I can get a", "good redemption. The only thing I care about is cash in the bank. And at the end of the day,", "you're really going to get a good redemption. And that's what I'm talking about. So,", "this card is forget about the travel protections. Forget about the purchase protections. Forget", "about what the signup bonus is. This is for people that are spending a lot of money on their credit", "cards and they want that consistent cash back that they can either reinvest into their business", "or spend on whatever they want, right? So, I guess that's kind of where I'll wrap up that video.", "It's really, really a basic card. If you're a business owner, okay, I think there's really", "two main options for you. One is to get a credit card. Two is to get a credit card. And the other", "is to get a credit card. So, if you're a business owner, okay, I think there's really two main", "preferred and the chasing cash. If you're someone that wants to travel, you want to do the points", "and miles thing, go for the chasing preferred. If you want the cash, this is a really great option.", "The signup bonus is less, the earning is a little bit less, but in terms of simplicity, in terms of", "something being very straightforward, this is still a great option. With all that being said, I really", "hope that you enjoy this video. If you did, and you're going to apply for this card or any of the", "other cards that we talk about in our channel, please click the link down in the description", "below. On top of that, if you want to get some really cool merchandise, go to brainyflights.com.", "And if you want to learn more about travel hacking, maybe you want to learn what the distinctions are", "between a fixed type of point or a transferable point or cash, or how you could better utilize", "these different points and miles credit cards into your business, then consider taking a", "look at the complete guide to travel hacking 2.0. It's an entire course that I've created four hours", "long, and it's available on Udemy. All of those links are in the description below. Thanks so much", "for watching. Have an awesome day." ]

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