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[ "is, hey, is it worth it to use a HELOC? And so in this video, I'm first off going to explain what a", "HELOC is. I'm going to talk about the pros and cons. And then I'm going to show you the situations", "I think you should use a HELOC and the situations you most definitely should not. So with all of", "that being said, let's jump into it. All right, guys, if you're new to the channel, I've been", "investing in real estate for the last nine years. I currently own 162 units of residential", "real estate and over 160 storage units that puts me just north of $25 million of real estate. So", "throughout purchasing all of these properties, I've had the opportunity to use a lot of different", "financing. As a matter of fact, I'm over $10 million in debt right now. So I have a lot of", "debt. And that's okay. Because if you're using debt properly, it's a good thing. If you're not,", "it can be a very bad thing. And in this video, I'm going to help you understand what a HELOC is,", "when you should use it, and how to use it. So let's get started.", "And when you most definitely should not. All that I ask you to do is remember to smash the like", "button, subscribe to the channel and hit the little bell so that I can help you build a huge", "passive income, which in order to do that, you're going to need to learn how to use debt properly.", "One of those things being HELOC. And now that we've covered that, let's jump into it.", "The best definition I can give you of a HELOC is it is essentially like a credit card,", "except the amount you're able to borrow in your HELOC", "is based on how much you're able to borrow in your HELOC.", "And that's based on how much equity they feel comfortable letting you borrow against your own home.", "So for example, let's say you bought a home for $100,000 and you've lived in it for a while.", "And now it's worth $200,000. Now you've paid some of it down. You also had a down payment,", "but you got $100,000 of equity in this property. And you go into the bank and you say,", "hey, I want a HELOC. And they say, perfect. We'll give you a HELOC for $100,000 on this equity", "that you have in your property. Here's how it works. You only have to pay a little bit of money.", "You can use it whenever you want. You can put it back whenever you want.", "But whenever you have it, you're going to have to pay this interest rate. And just so you know,", "this interest rate isn't locked forever. It can change as the prime rate changes.", "And that is what a HELOC is. So a lot of people say, hey, I've got equity in my home.", "I need money to start investing in real estate or to pay off my car or to do something else.", "You can literally use the money for whatever you want.", "I talk about that because there are certain things you most definitely should not use the money for.", "But a HELOC gives you the ability to go and get this massive check from the bank because that's", "equity you have in your property. Now, they're probably going to go and do an appraisal on your", "property or just do a very brief look at it to make sure you've got enough equity. And then", "they're going to give you this chunk that you can take out. And they're going to say this is the", "interest rate now. But again, your interest rate is going to be the prime rate plus 1% or the prime", "rate plus 2%.", "Whatever it is. So you negotiate the terms with a HELOC. You're going to have the interest rate that is", "most likely going to be changing. I've never seen them lock this in for the long term. So you've got a", "changing interest rate. You also have a set term. A lot of times they'll say, hey, you've got access to", "this HELOC for 10 years and then we're going to reevaluate. Sometimes it's really short. Sometimes", "it's longer. But there's a specific time where after that, you're going to have to be reevaluated on", "whether you can continue to use that HELOC or you're going to have to re-evaluate. So you're going to", "get a new HELOC or whatever option you choose. So it seems pretty simple, right? You go in, you say,", "hey, I want a HELOC. You pay. Usually it's only a couple hundred dollars to get access to this HELOC.", "And now you just pay interest on it for whatever money you borrowed. And it's an interest only loan.", "So you could keep it out for as long as you want. Let's say you borrow the $100,000 and you put it", "into something and then you're just paying the monthly interest. As long as you're good with that,", "that's a-okay. Just recognize that the interest rate could potentially be a little bit more expensive.", "The other thing that's really cool about a HELOC is you can get a HELOC for $100,000,", "but you don't have to pay interest on it unless you've actually pulled money out of that HELOC.", "So you go in, you get approved for your HELOC. You got $100,000. You can pull out whatever you want,", "but maybe you wait until you actually need it because you're going to be flipping a property", "or doing something else with that money. There's no point in pulling it out and paying interest", "every month because what's cool about a HELOC is you don't have to do that. You can just pull it", "out when you need it and you can put it right back in. So you don't have to pay interest on it.", "So I actually know a lot of people that will do like a HELOC arbitrage type deal. So they'll give", "hard money to people. They're paying 3% on their HELOC, but they're making 12% and they pull it", "out and toss it over, make that money, and then they put it right back in. So they're getting", "this return on their HELOC by lending it out for a higher interest rate. But I'm getting ahead of", "myself. I don't want to talk about all of the ways you should or should not use a HELOC. I first want", "to talk about the pros and cons because if you understand the pros and cons, then you personally", "are going to know what you should or should not use it for. But then I'm also going to help you", "at the end of the video. A lot of times when people are considering a HELOC, the other alternative is", "completely refinancing their property. So I'm going to talk about the pros and cons of each of", "these. With a HELOC, the one major pro is you can get the HELOC, but like I said, you can pull it", "out. You can put it back in. You also have the huge advantage of it being very cheap money. Not", "necessarily the most expensive, but it's a huge advantage. So you can get the HELOC, but you can", "get the HELOC, but you can get the HELOC, but you can get the HELOC, but you can get the HELOC,", "your interest rate will actually be smaller than it will be on a HELOC. And you don't have the risk", "when refinancing because you can get your rate locked for 30 years compared to this that is", "consistently changing. But the advantage is if you don't need it, you can just leave it in there. So", "you don't have to take it out. It could just sit there forever, or you could take it out. The", "second you're done with it, you can put it back in. It's very liquid so that you don't have to", "continue to pay the interest rate. Where if you go and refinance, you're going to have to pay the", "refinance. You pull that money out. You've got $100,000 sitting in your bank that a lot of people", "don't realize it. But every month, even though you've refinanced, you're technically being", "charged interest on that money every single month because now it's just part of your loan. Now it", "might be a slightly lower interest rate, but you can't say, oh, you know what? I don't need this", "$100,000 yet. Let's put it back into my refinance until I need it. No, no, no. It doesn't work that", "way. So with refinance, you want to make sure that you've got a consistent place for that", "money or you're losing money. Where with a HELOC, you can take it out when you need it. You can put", "it back when you need it. And the major expense I was talking about is a HELOC doesn't have a lot", "of upfront expenses. Where when you refinance, it does. A lot of times you're paying one and a half", "to 2% to refinance, and that's of the amount that you're financing. And so that can be pretty", "pricey. Where for HELOC, it's pretty inexpensive to do what's required to be able to get access", "to that HELOC. For me personally, because my business has done very well, I've been able to", "do that very well. I haven't used a HELOC per se because I haven't needed to back the money I", "borrow from the bank with a property. Now I do when I get loans on the properties, but I actually", "use a line of credit. They've just looked at my business and said, you know what, Chandler,", "we've given you a $250,000 line of credit. It's not backed by anything. You've just proven to us", "that you're a very good person to lend money to. And so you can use it. So that I have used,", "and it works the same way. The only difference is with a HELOC, if you choose to use the", "HELOC, then you're spending to do the HELOC when that might limit your ability to refinance,", "because if you refinance, you can't have the HELOC on the property. That's all going to have", "to be taken into consideration. So it's kind of one or the other when you're in your situation.", "If you have access to get a line of credit because your business has proven themselves,", "a line of credit is even better because then you can leave the equity in your property for", "if you want to refinance later. So those are the big pros and cons to line of credit or home equity", "line of credit compared to refinancing your property. I truly think the biggest one is,", "you know, it's going to cost less on the front end, and you've got the flexibility", "to put that money in or pull it out as you need it. The biggest disadvantage is the fact that", "your interest rates are changing and that you don't have a long term because 10 years from now,", "things could be completely different, but the rates are going to be changing even more consistently", "than that. A lot of times they're only based on a month to month or every six months or every year.", "And that can be very scary because if you're borrowing money, and you're borrowing it knowing", "that you need to use this HELOC for a two to three year period, a lot can happen in a two to three", "year period that will make the interest rates you're paying on that HELOC not worth whatever", "you ended up investing in. And that's why you need to be very careful that you're not taking", "money in a HELOC that might need to be locked up for the long term that you can't replace with", "other money. Because then if prime goes through the roof, your interest on that is going to go", "through the roof. And that is the biggest thing that you want to make sure that you're not taking", "money in a HELOC. So now that you understand what it is, I'm going to explain some of the", "situations you should use it and some situations that you shouldn't. If someone comes to me and", "says, Chandler, I need a HELOC so that I can buy a property cash. And then I'm going to refinance.", "They've told me I can refinance in three months or six months or a year. Well, look at your risk", "versus reward. Is this a property that's an extremely good deal that you wouldn't be able", "to find anywhere else? Yeah, well, you probably want to use your HELOC to get it. But make sure", "that you can pull off the refinance. Because if you've taken this equity out of your home,", "you've put it in, interest rates start to go up, and it's locked up in this other property,", "you want to have the ability to refinance so that you can lock in the rates. And preferably,", "you want to keep it as short as possible. Because if you're willing to do a HELOC,", "odds are your interest rate works there, which means it should work to be able to get a loan", "on the property. But if you have a HELOC locked up in the property, and then you get to the point", "where you wait so long that even refinancing it, your numbers don't work, you're going to have to", "work. That's also something you've got to worry about. So make sure that you know your timeline.", "Anytime you're borrowing money at an interest rate where the interest rate can change, or", "even where it can't, you want to know exactly how long it's going to take you before you can pay", "that off. Now, for me, when I've got 30-year fixed mortgages, I don't care if I take the full 30", "years. Because the property's going up in value, the cash flow is going up, all of those things", "are good. And I know that my expenses aren't changing because my interest is going up. Where", "with a HELOC, your interest could potentially go up. So make sure that you know your timeline.", "Make sure you've got a timeframe pegged. A good example of where not to use a HELOC.", "If you're pulling out a HELOC to buy an investment property, and you don't know how you're going to", "be able to pay that back, but hey, I can get $100,000 to put as a down payment on a $400,000", "property, that's a little sketchy. Because yeah, your property might be cash flowing well now,", "but if interest rates go up, and you can't replace that HELOC, now you've purchased a property that", "is completely bought with interest. So you've got your fixed rate, which is good for the 75%.", "But if you used your HELOC for the 25%, and you get two, three years into it, and you're thinking,", "crap, interest rates have gone up two, 3%. Now I'm not cash flowing on this property. Now I'm", "even having to pay out of pocket. That could be a stressful situation for you. And so for me, again,", "find a place that is short term for your HELOC. Something that you know for sure,", "within the next six months to a year at the most, in my opinion,", "you're going to be able to pay back and pull that out. Now, it doesn't mean you need to pay it off.", "Maybe a year goes by, interest rates haven't changed. You want to leave your HELOC in there.", "You want to use your money in other places, as long as you always have a short term exit strategy", "with your HELOC, so you don't end up in a place where you're toast. A situation where I wouldn't", "use a HELOC, but I would go towards a refinance is if someone comes to me and says, Chandler,", "I've got $100,000 equity in my property. That's enough to buy this other rental property.", "What would you do? I don't know that I'm going to have another", "hundred thousand dollars in my property. I don't know that I'm going to have another", "hundred thousand dollars coming in to replace that. I'd say, well, look, if you're planning on", "staying in your home for a while and those numbers work good, then refinance your property. You're", "going to get a lower interest rate. You're going to be able to pull that money out, put it in as a", "down payment, and then get a good interest rate on the rest of it with buying the rental property.", "That makes more sense. But if someone comes and says, hey, I'm going to do a flip. It's going to", "take six months, or I'm going to be able to refinance in six months, or I'm going to be able", "to do one of these things that's short term. That's where I would say the HELOC is the right pick", "for you. All right, guys, that's all I've got to say about a HELOC. I know that's pretty", "straightforward, pretty simple. It should be. It's a great tool. If used properly, it can burn you", "hard if you don't use it properly. So best of luck going and pulling out a HELOC or refinancing on", "your home or saying, you know what? Maybe I'm going to hold off because I don't really have", "a place for either of them. One thing I would say, there's nothing wrong if you don't know what your", "strategy is with going in and getting approved for a HELOC so that you've got access to it,", "especially if it costs you three, four hundred bucks.", "To have access to one hundred thousand dollars if you need it as reserve funds,", "that's a great use as well. That's one thing I've used my line of credit for", "is I haven't really needed to use it, but I've got two hundred and fifty thousand dollars that", "I know I can get at prime plus one that is just sitting there. Cost me four hundred dollars to", "get that line of credit on the front end. I have access to it for the next five years.", "That seems like a very smart thing for me, because if I do get in a pickle, I'll tell you this,", "a HELOC or a line of credit is a heck of a lot better than using money on", "your own.", "Credit card and paying twenty four percent interest every month because prime plus one,", "I guarantee is always going to be substantially less than a credit card.", "So it's a great option for you as an alternative to continuing to put money on your credit card.", "Now, if you guys enjoyed this video, remember to smash like button, subscribe to the channel and", "hit the little bell. If you're interested in learning how to start investing in real estate,", "go check out the other videos on my channel. And if you're really interested and you want", "to jump in with both feet, go grab my real estate investing course down in the description.", "Now, if you guys enjoyed it,", "again, hit the like button. We look forward to seeing you guys in the future videos.", "I said guys a lot. Thanks, guys." ]

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[ "और सुरेश भीया क्या हाल है", "भाई एक हेल्प चाहिए थी", "अर्जेंट पान से दस हजार पर एक ही जूरत है", "पांच दस हजार उपे", "वो सामने देखना क्या लिखा है", "क्या हुआ रमेश भाई उदास क्यूं है", "भाई जब बुरा वक्त होता है तो इनसान के दोस्त भी काम नहीं आते", "क्यूं भाई क्या हुआ", "भाई पैसों की जूरती है इसलिए बैंक गया था लोन लेने", "वहाँ जाके पता चला कि मेरे पर चार चार फेक लोन चल रहे है", "मेरे को बिलकल भी आइडिया नहीं था", "क्रेड़िट स्कॉर लो था इसलिए लोन भी अप्रूब नहीं हुआ", "तु चिंता मत कर तेरे दोस्त का लाम भी टेकीला है", "वान स्कॉर एप इंट सॉल करके तेरे लाम पे कितने लोन सलेने तक वो सब पता चल जाएगा", "जो फेक लोन हो उस पे क्लिक करके रिपोर्ट और एरर पर जाओ", "और डिटेल्स फिल करके यहाँ पे सब्मेट कर देना", "और तेरी प्रॉब्लम फ्री में सॉल्व हो जाएगी", "अरे थेंक यू बाई", "अरे कोई नहीं भाई बस फॉलो कर लेना" ]

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[ "दोस्तो आज के इस वीडियो में हम बात करने वाले हैं", "फोन पे एप्लिकेशन के बारे में", "अगर किसी भाई के साथ फोन पे के द्वारा", "स्केम हो जाता है फ्रोड हो जाता है", "उसने पेसा गलत जगे भेज दिया है", "या किसी link पे कलिक करके", "उसने फोन पे से transaction कर दिया है", "केसक्वेक के ओपर में फस गया है", "वो किसी भी तरीके से उसने", "फोन पे से कोई transaction गलत कर दिया है", "उसके साथ फ्रोड हो गया है", "तो उसको क्या करना चाहिए", "CYBER CRIME में उसने report भी कर दी है", "1930 पे भी उसने report कर दी है", "लेकिन उसको पता नहीं है कि इसके साथ साथ", "आप phone पे application से भी एक शिकाय दर्ज कर सकते हैं", "जिससे phone पे application के साथ", "जो application से शिकाय दर्ज होती है", "जो cyber crime के शिकाय दर्ज होती है", "दोनों अगर एक साथ हम कर देते हैं", "तो आपका पेसा 90% refund होने के chance रहते हैं", "अगर उसने किसी दूसरे खाते में", "transfer नहीं किये हैं", "उसने withdrawal नहीं किया है पेसा", "अगर जिस खाते में पेसा गया है", "fraud का पेसा गया है", "अगर वो payment उसी खाते में पड़ा है", "तो ये दोनों सिकायत करने से", "आपका पेसा बच सकता है", "तो आज के इस वीडियो में हम बताओंगा", "कि किस तरीके से आपको phone पे application से", "ये सिकायत दर्ज करनी चाहिए", "अब सबसे पहले हम अपना", "phone पे application ओपन कर लेते हैं", "अपने mobile में", "तो ये मैंने अपना phone पे ओपन कर लिया है", "अब देख लीजिये ध्यान से", "जैसे ही phone पे ओपन होगा", "सबसे उपर जो कोणे के अंदर", "एक question mark का चिन दिखाई देगा", "उसके उपर आपको क्लिक करना है", "इसके उपर जैसे ही आप क्लिक करोगे", "कुछ interface इस तरीके से", "कुलने वाला है देख लीजिये", "अलग-अलग किसी के mobile में कुछ अलग भी", "खुल सकता है तो देख ली लाओ", "अब जैसे ही application में", "ये जो interface कुलता है इसमें एक", "option आता है payment issue", "phone pay profile", "money transfer, recharge bill payment", "और reward, refer and iron", "इसके आगे एक other का option दियावा है", "इस other के option पे आप क्लिक करोगे", "जैसे ही तो आपके पास इस तरीके", "से कुछ interface कुलने वाला है", "अब देखिए सबसे उपर दियावा है", "account security and reporting", "predulant activity", "इसके निचे wealth, insurance", "इस तरीके से कुछ options दिया वाला है", "तो आपको सबसे पहले जो", "शुरू में accounts security", "and reporting का option है उसके उपर", "क्लिक करना है जैसे ही", "आप इसके उपर क्लिक करोगे कुछ", "इस तरीके से आपके पास interface कुलने वाला है", "account security and reporting", "इसके बारे में अलग अलग", "option दिये हुए आएंगे देख लीजिए", "सबसे पहला जो option है वो क्या है", "I was promised", "case back if I make", "a payment मतलब मैं किसी", "case back के उपर में पस चुका हूँ", "और मैंने transfer पैसा transfer कर दिया", "अगर आपने किसी भी आप", "अगर एक case back के", "उपर में पस के अगर आपने पैसा इसको", "बेजा है फोन पे के दुआरा तो सबसे", "पहले जो उपर उपर वाला option है", "उस पे क्लिक करना है इसके बाद में", "I was asked to pay someone", "you a fake social media account", "and friends family member या आपको", "कुछी के दुआरा जासा दिया गया है social media", "के दुआरा आपके दुआरा", "किसी दूसरे के नाम से पैसा बिजवाया गया है", "इस तरीके से आपको सबसे ओप्शन पढ़ लेना है", "आपके साथ जिस तरीके से", "scam हुआ है उस पे क्लिक करना", "यहाँ पे देख लिजिए बहुत सारी ओप्शन दिया हुआ", "आएंगे आपके पास और यह देख जिस", "I was asked to share my card details", "and OTP आपने किसी को OTP", "send कर दिया हो आपने किसी को", "card details send कर दिया हो तो आपको", "इसके उपर तीसरे नमर का चौथा नमर का", "जो है इस पे क्लिक करना है", "और पाँचवे नमर पे है I received a call", "from fake helpline number", "मतलब किसी का भी कोई fake call आपको", "प्राप्त हुआ है और उसमें आप फसके", "उसको payment कर दिया है", "तो इसके उपर क्लिक करना अब आपको", "मैं कुछ तरीका बता देता हूँ", "जैसे मेरे साथ कोई", "caseback का scam हुआ है अगर", "caseback के उपर में फसके अगर मैंने किसी को", "पेसा ट्रांसपर किया है तो मैं किस तरीके", "से report दर्श करवा सकता हूँ", "तो अपन caseback वाला जो option है वो", "एक number option है उस पे क्लिक करेंगे देखिजी", "ये मैंने एक number पे क्लिक कर दिया है", "जैसे ही मैंने एक number पे", "क्लिक किया है कुछ इस तरीके से", "interface खुला है देखी", "I watch promised caseback", "if I make a payment अब इसके", "आपको अच्छी तरीके से इसको पढ़ लेना है", "अब देख लिजी सबसे नीचे आपको", "एक option दिखाई देगा report", "आप जैसे ही interface खुलेगा", "इस report के उपर option पे आपको", "क्लिक करना है जैसे ही हम इस", "report पे option पे क्लिक करेंगे", "आपके पास इस तरीके से कुछ", "interface खुलने वाला है मैंने इससे पहले", "भी बात कर चुका हूँ इसलिए ये", "जो है details मेरे mobile में", "आई हुई है अगर आप शुरू में", "जब पहली बार कुलोगे तो आपके पास कुछ", "option अलग तरीके से आएगा", "और अब इसको आगे फिर से शुरू करना", "जैसे ही हम शुरू करेंगे", "तो इस तरीके से खुलेगा", "तुराने लेंदेन पर जाए", "अब यहाँ से आपको", "फोन पे से जो payment उसको बेजा है", "scammer को", "फोन पे से scammer को जो payment बेजा है", "उसका जो option उसका जो history है", "यहाँ पे अगर आप क्लिक करोगे", "तो तुरंट आपकी उस history पे चला जाएगा", "जैसे ही मैं यहाँ पे क्लिक करने वाला हूँ", "तुरंट history पे चला जाएगा", "देखिए", "यह तुरंट transaction पे आ चुका है", "अब यहाँ से आपको वो payment", "select कर लेना है", "जिस payment को आपने", "उसको बेजा है जो payment आपने", "transaction किया है वो payment जैसे ही", "आप select करोगे और आपका", "report दर्ज हो जाएगी और उस", "आपके पास इस तरह से कुछ message आएगा", "देखिए यह मैंने जब कल किया था", "we have information was helpful", "मैंने इसका एक सिकाई दर्ज", "करवाई थी उसके बारे में", "मेरे पास वापस एक message आता है", "और 24 घटे के अंदर इसके बारे में", "जब आप यह सिकाई दर्ज कर दोगे न", "उसके बाद में", "जो phone pay की team है वो", "इसकी processing में लग जाती है और", "इसकी बारे में जान जाच परताल करती है", "खाते की जाच करती है वास्तव में", "इस ट्रांजेक्शन अगर किया हुआ पाया जाता है", "तो वो तुरंद उस खाते को", "जिस खाते में पैसा गया है उस खाते को", "minimally used ४'%'%'%' ॱ। बाद", "उस खाते के payment को hold कर दिया जाता है", "वो इसके बाद का payant को withdrawal नहीं कर सकता", "अगर उसने पहले withdrawal दिया तो", "यह समस्या होती है", "बाकि खाते में अगर payment वो पड़ा है", "तो उसके बाद में वो payment को withdrawal नहीं कर सकता", "आपकी सिकाई दर्ज इदर से हो चुकी है", "तो मेरा कहने का मतलब है कि अगर जब किसी आपके साथ phone पे से", "अगर कोई scam हो जाता है तो आप cyber portal पे सिकाई दर्ज कीजिए", "1930 पे सिकाई दर्ज कीजिए", "इसके साथ साथ आप phone पे से भी 100% सिकाई दर्ज कीजिए", "अपका बहुती अच्छी आपको response मिलेगा", "वास्तव में अगर आप time पे समय पे ये सिकाई दर्ज कर दोगे", "तो वास्तव में आपका payment hold होगा और refund भी होगा", "बहुत सारे लोगों का एक साथ सिकाई दर्ज करने से", "payment refund हुआ है उनका payment वापस उसके खाते में पुंचा है", "तो आप सावधान रहें अगर किसी साती के साथ phone पे से", "कोई scam हो जाता है तो आप तुरंट इस तरीके से सिकाई दर्ज करें", "और phone पे से भी सिकाई दर्ज करें ताकि आप सबका पेसा सुरक्षित वापस आ सकें", "वीडियो अच्छा लगे तो like कर देना और हर बंदे तक पहुंचाने की कोशिश कर देना", "ताकि किसी भी भाई के साथ ऐसा हो तो वो तुरंट सिकाई दर्ज कर सकें", "ठीक है दोस्तों जैहिन जे भरत" ]

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[ "checking and savings accounts around, offering no account fees, high APY rates,", "a huge welcome bonus, and benefits that other banks don't offer.", "So today I want to do an updated review of the SoFi checking and savings account,", "where I'll go over everything it offers, the good and the bad,", "and much more to help you decide if this account is the right fit for you.", "So to begin with, the SoFi checking and savings account is a two-in-one account offered by SoFi,", "which is an online bank that also offers loans, investing options,", "one of the best 2% cashback credit cards in my opinion, and much more, all under one platform.", "The SoFi checking and savings account has no account fees, including no overdraft fees,", "minimum balance fees, monthly fees, and access to over 55,000 fee-free ATMs from the Outpoint", "network, so you can find an ATM just about anywhere.", "When you compare that to,", "big banks like Wells Fargo, which offer fewer ATMs and charge a $10 monthly fee,", "if you don't have a minimum of $500 in your account or in qualifying direct deposits,", "you'll instantly realize how valuable SoFi is.", "On top of no fees, SoFi is currently offering 4.2% APY on their high yield savings account", "when you set up direct deposit, and 1.2% APY on their checking account,", "which are some of the highest and most competitive rates right now.", "This means the money you deposit into these accounts will earn you interest,", "which SoFi credit,", "which is $420 per year, which is $35 a month, or $120 in the checking account, which is $10 a month.", "Obviously, the more money you have in these accounts, the more you'll earn.", "This is mind-blowing because in general, major banks offer 0.01% APY on their checking and", "savings accounts, so the fact that you can earn 1.2% on your SoFi checking and 4.2% on your checking account,", "is huge.", "Having said that, it's important to know that APY rates are subject to change and can go up or down at any time,", "which could affect your yearly earnings.", "Now, SoFi is also offering a welcome bonus of up to $250 when you set up direct deposit,", "and for a limited time, you can get an extra $25 when you deposit $10 by using my link in the description to sign up,", "which will increase your bonus to $275, so make sure to take advantage of that free money, peeps.", "You'd also be helping the channel out a lot.", "And if you're interested in getting a free money, you can also check out my other videos,", "because this account is FDIC insured up to $250,000,", "and SoFi has partnered with other banks to offer up to $2 million of FDIC insurance completely for free.", "All you need to do is enroll in the program if you want the extra coverage,", "which means if anything were to happen to the bank, your money would be protected up to $2 million.", "If you didn't know, the standard FDIC insurance amount is $250,000,", "so the fact that SoFi is offering 8 times that amount is really good.", "You'll also get no fee overdraft coverage up to $50 when you set up direct deposit,", "so if you overspend on your checking account, SoFi will cover you up to that amount with no fees.", "And if you don't want to set up direct deposit, you can opt into the standard overdraft protection", "and have SoFi automatically transfer money from your savings into your checking account", "to cover a transaction if you're running low on funds.", "But if you set up direct deposit, you can also get your paycheck up to 2 days earlier,", "so if you usually get paid on funds,", "you can get paid on Fridays, you can get paid as early as Wednesday, which is pretty cool.", "Your checking account will also come with a cashback debit card", "where you'll be able to earn up to 15% cash back at local establishments.", "And it comes with additional benefits like MasterCard Airport Concierge Services,", "ID Theft Protection, Purchase Protection up to $1,000 per claim,", "Extended Warranty, Digital Wallet Compatibility, and much more.", "SoFi offers an all-in-one mobile banking app where you can order checks online for free,", "add or join an account holder, make transfers and deposits,", "send money to friends, track your spending, monitor your credit score, and much more.", "On top of that, you can deposit cash at more than 90,000 retailers.", "But I do want to point out that although SoFi doesn't charge any fees,", "their retail partners charge a small fee to make cash deposits.", "So if you get paid in cash or usually make cash deposits,", "just be aware that you will be charged a small fee of up to $4.95 per deposit.", "So my suggestion would be to deposit cash into another bank account if you have one,", "and then transfer it into your SoFi account,", "so that way you don't have to pay that small fee.", "You can also create subaccounts known as vaults within your savings account", "for various savings goals like an emergency fund, a home purchase,", "traveling, taxes, or anything else you'd like.", "And what's cool is that the money in these vaults also earns interest.", "So as you save towards a goal, your money will also grow.", "Another cool thing about this platform is that SoFi is a legit bank as of February 2022.", "So although you'll be operating your account online, you're working with a certified bank.", "So as you can see, SoFi is in holding back,", "and offers a ton of great benefits in their checking and savings accounts,", "which is why I like it so much and many other people do as well.", "But outside of their checking and savings accounts,", "you can also benefit from various SoFi investing accounts, loans, insurance,", "and even the SoFi credit card, which is my favorite non-category spending card.", "It has no annual fee, gives you 2% unlimited cash back on all purchases,", "and offers benefits like cell phone protection, IG theft protection,", "no foreign transaction fees, and much more.", "I got approved for it with a $9.99.", "I honestly have not stopped using it since,", "because I love the simplicity of being able to earn 2% cash back on all my purchases everywhere I go.", "Plus for a limited time, you can get 3% cash back on up to $12,000 in your first year of your setup direct deposit,", "plus a $50 signup bonus if you use my link in the description to sign up for the card.", "So if you want to learn more about this card and earn yourself a free $50,", "feel free to watch my most recent SoFi card review video and use the signup links below.", "Now the question is, should you back up?", "What do you think about SoFi and are their checking and savings accounts worth it?", "Well, if you're okay with a 2-in-1 checking and savings account,", "and you're looking for one that offers no account fees,", "high APYs, a high signup bonus, FDIC insurance up to $2 million,", "ability to get paid up to 2 days early, overdraft protection,", "a debit card with benefits that earns cash back, and much more,", "then this account is a no-brainer.", "On the other hand, if you don't like online banks,", "and you prefer your more traditional physical banks,", "then that's going to be a big problem,", "because SoFi doesn't have any physical branches since their main focus is on online banking.", "Like I've said before, some people may or may not like full-service online banks,", "but because online banks don't have to pay for the costs and upkeep of physical branches,", "their overhead is much lower, and those savings may get transferred to you.", "Which is why they're able to offer higher interest rates,", "lower fees, and much better benefits than traditional banks can.", "Now the only two cons about the SoFi checking and savings accounts I'd like to point out", "are that if you don't set up direct deposit,", "you'll earn a lower APY of 1.2% on your savings account,", "which is pretty low compared to other high-yield savings accounts.", "However, the 1.2% you earn from the SoFi checking account is very high,", "considering most checking accounts earn close to nothing.", "The second con is that when you deposit cash into your account,", "you're going to get charged a fee of up to $4.95 per deposit by the retailer.", "So if you frequently deposit cash, this might be an issue.", "However, earlier I explained how you can avoid having to pay that fee by using an external bank account,", "so this may not be an issue after all,", "but rather something to keep in mind if you're considering banking with SoFi.", "All in all, in my opinion, the pros completely outweigh the cons,", "and how you feel about online vs. physical banking will ultimately determine your decision.", "But from my personal experience, I can tell you that once you bank online,", "you never go back. Believe me, you'll love it.", "No, but in all seriousness, I've been banking with SoFi for a while now,", "and I honestly think it's a great option for a lot of folks who are obviously okay with an online-only bank.", "Some other great online banks to check out are", "Capital One and Discover, both of which offer no account fees and high APYs.", "So if you guys want to learn more about them, watch these other videos next.", "So there you have it, peeps.", "Let me know below how you feel about SoFi's checking and savings account.", "And if you guys made it this far into the video, comment the word SOFI so I know who my loyal besties are.", "Also, if you're interested in signing up for the SoFi checking and savings account,", "great credit card offers, or earning some extra cash back plus $30 after you spend $30 with Rakuten,", "make sure to check out the links in the description.", "It'll help my channel out like crazy.", "I love you guys.", "Don't forget to share, like, subscribe, and turn on those post notifications that way,", "and never miss out on any future uploads.", "And if you guys enjoyed today's video, make sure to watch these other ones next.", "Okay, bye now." ]

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[ "Last month, Laura Wade told us more than $60,000 in cash and other valuables were missing from her box at a Golden Valley bank.", "When another concerned customer went to check on her own contents, she was in for a surprise.", "WCCO's Liz Cullen explains the twist in the case leading to new questions.", "Everybody the whole time has been saying that this could not happen.", "And now it has happened.", "Laura Wade believes the week she's had proves anyone with a safe deposit box needs to check their belongings.", "I'm like, oh my God, everything is gone.", "It was in January when she discovered $67,000 in cash, personal documents and pictures missing from Midwest One in Golden Valley.", "She's been on a mission to find it all since.", "Turns out another concerned customer saw Laura's story and this week went to give her own safe deposit box a second look.", "If she hadn't have shown up.", "This we still wouldn't know.", "Inside of it was some of Laura's stuff.", "I got $20,600 back.", "Part of the cash and a few of her documents.", "My box is here.", "Take a look. This is Laura's empty box.", "Last summer, that same woman from this week checked her stuff directly underneath Laura's.", "She told us at the time one of her two keys didn't work.", "So the bank assigned her a new number.", "Then she gets this other box over here.", "The one where Laura's things were found.", "And the other woman's belongings.", "Back in the same box originally assigned to her.", "Police told WCCO surveillance cameras don't capture this specific area.", "In a statement, a spokesperson said Midwest One Bank has learned of a single incident involving two safe deposit boxes.", "We've completed an audit and believe nothing inside the boxes is missing.", "We take the privacy of our customers and the security of safe deposit boxes very seriously.", "The bank is saying yes, your box was moved.", "But we don't know how that happened.", "But Laura says the bank has no way to know how much of her money.", "Is still missing.", "She plans to continue pressing for answers until the rest of her stuff is returned.", "I'm not done yet.", "In Golden Valley, Liz Collin, WCCO 4 News.", "Golden Valley police told us after a comprehensive investigation, they blame a bank error.", "They say if further information indicates a criminal act occurred, police will reopen the investigation.", "Our story last month revealed no real liability for banks to cover any contents inside a safe deposit box.", "To learn more, visit WCCO.com.", "ã", "St挺 an i جrý." ]

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[ "in a bank safety deposit box. This is a great way to keep your valuables protected without having", "to come up with so much money out of pocket. The downsides to safety deposit boxes are that they", "aren't FDIC insured, so if on the very rare occasion that they're burglarized, you're not", "covered. However, you can possibly add it to your homeowner's insurance policy. Also, you're very", "limited as to when you can access your valuables in a safety deposit box. You're limited to the", "time when the bank is open. Remember COVID? Some banks shut down for months, and if your stuff was", "inside, then too bad. Most importantly, the IRS can seize the contents of your safety deposit box", "and force a sale to satisfy any tax debt or penalty." ]

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[ "I had purchased a Green Dot Money Pack reload pack to load onto my debit card and I had loaded $225 on it.", "I had took it home, scratched off the back of the card, went on the Money Pack website, did a login, created a login and everything.", "And then when I put in the Money Pack number, it says it was already in use.", "But I had just purchased it. I had the receipt and everything.", "So when I called the number, they said I did it again. So I went back into it again.", "And tried it again. And it said the number has already been used.", "I was like, I just bought this. How has it already been used?", "Yeah, so they said to request a refund.", "Or they told me that I had to enter in everything from the receipt, take a picture of the receipt, take a picture of the card, email that to Green Dot.", "Once I did that, I got one email response back from them saying that they found the money and they're going to issue me a refund check.", "It's been interesting.", "It's been two months.", "I have not gotten no, it's been two months. I haven't gotten no email.", "I haven't got a refund check.", "And there's nobody that you can talk to.", "Did you consider anybody else before you chose this company?", "Yes. So the bank that I bank with is Vero Bank.", "Vero Bank, I can go to Walmart and load my card.", "Or I can go and get a Money Pack.", "And load pre-paid.", "Load my card. It's a pre-paid debit card, which is actually a checking account.", "Usually I would go into the 7-Eleven and just hand them my card and tell them how much money I want to add on to it.", "And they would do it that way.", "This day, this particular day, the system was down.", "So I had to go to Family Dollar and get the Money Pack.", "Now, how did you contact, which way did you use to contact Green Dot Money Pack?", "On the back of the Green Dot Money Pack card, there's a 1-866 number.", "I contacted, I called that number.", "And it's no live person.", "It's just an automated system.", "And then you put in the number of the Money Card, the Money Pack that you have.", "And it'll tell you if the money's been used or if it's available.", "And it said the number, they said the number was invalid.", "It's already been used.", "So they said I had to request a refund.", "And it takes 15 days for the refund.", "It'll take 7 to 10 business days for the refund to come to me in the mail.", "I have not received the refund yet.", "I have not received the e-mail.", "And I feel like they just basically stole my $225.", "So what would you say makes you the most upset about these people?", "Is it the money, the emotions?", "What is it?", "I would say the money.", "I'm on a fixed income.", "I'm on disability.", "I'm on Social Security.", "So that $225, that not being on my card, I lost my apartment.", "Because that was supposed to go towards my rent.", "I lost my apartment.", "I was homeless.", "And I ended up having to move back home to stay with my godmother again.", "Why did you decide to go online with this?", "With your story?", "What was your motivation for that?", "Well, I was looking at the seeds.", "I looked up green.moneypackscams.com.", "And that's when they brought me to your website.", "And I was reading everybody, all the other consumers.", "And I was like, this sounds exactly like what happened with me.", "This is what I've cooked and green i joke." ]

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[ "तो बैंक कैशियर मुझसे कैश लेने के बाद", "बैंक के सिस्टम में मेरे अकाउंट के अगेंज्ड", "1,00,000 रुपे की क्रेडिट एंट्री करेगा", "और जो कैश मैंने कैशियर को दिया है", "वो उस cash को bank treasury में रख देगा", "लेकिन उडीसा में ICICI bank के cashier और deputy branch manager ने मिलकर", "1.85 crore रुपे का fraud कर दिया", "अब जो भी customer bank में cash जमा करने आता", "ये cashier उससे cash ले लेता था", "और bank के system में लिये होए cash की entry भी कर देता था", "लेकिन उस cash को bank की treasury में रखने की बजाए", "अपने साथ घर ले जाता था", "ऐसा करके धीरे धीरे इन तीन employees ने", "1.85 crore रुपे अपने घर में जमा कर लिये", "और फिर bank से resign कर दिया", "लेकिन कुछ time बाद bank audit में जैसे ही cash mismatch मिला", "तो bank staff ने police complaint करवाई", "और finally police ने बड़ी मशकत के साथ", "इन fraudsters को arrest कर लिया" ]

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[ "rich slowly. I'm going to put that on a t-shirt. Now, how you can do this is through a CD,", "not that CD, but through a certificate of deposit. Now, before I get into it, hi,", "my name is Nick and welcome to Finance with Nick. Now, on this channel, I make videos about", "making money. So if you like content like that, hit that subscribe button. If you learned anything", "from this video or I made you a little money, help me out with the YouTube gods. I really", "appreciate it and hit that like button. All right, now let's get into it. Let's get into", "certificate of deposit. Now, CDs have been coined the old person investment tool, but it's not sexy,", "but it is guaranteed. Now, a CD is essentially a savings product that you lock into these banks", "for a certain amount of time. And when you agree to the certain amount of time, you cannot pull it", "out without having a penalty. So when you agree to the certain amount of time, you cannot pull it", "out without having a penalty. So a typical CD would be, I'm going to put down $1 million for two", "years at a specific rate. And at the end of these two years, you get your money back with the interest", "on top of it. So this is only good for people that want to put away their money for a long period of", "time. Now, every big bank out there offers CDs. I was just in US Bank and they had a big poster", "right when you walked in about investing in a CD. But Bank of America, Wells Fargo, Chase,", "Discover, Capital One,", "Goldman Sachs, every bank offers a CD. Now, most high paying CDs, which is the ones we're going to", "go over, pay much better than your typical savings account. And the difference between a savings", "account and a CD is that in a savings account, you could pull out your money at any time. A CD,", "you're locking your money in. Now, CDs are a much safer investment than stocks, than bonds,", "and essentially any other investment that you can do. Now, with the CD,", "there is no fluctuations of your money. With stocks, the price goes up, goes down. It highly fluctuates.", "But with the CD, there is zero fluctuations. It's just going like this. Actually, it's like this because", "it's slow, but it's guaranteed. Now, a CD has a couple different elements to it. Now, the first", "element is the interest rate that you lock in. Now, we'll go over some of the highest interest rates,", "but usually a typical one is 2%. But these high ones I'm going to show you is 4%", "per year. Now, the second thing you should consider when investing in a CD is the term.", "Now, you could do a 6-month, 12-month, 18-month, 24-month, 36-month. It is the term in which you", "are locking up your money so you cannot touch it. So if you don't need this, this is purely savings.", "You don't need it right now. You're not going to need it in the next year or so. This is perfect.", "Now, the third is the principle, which is the amount of money that you agree to do a certificate", "of deposit, the amount of money that you're going to deposit into the bank. And then the", "last thing is, of course, the bank itself. So you should shop around and find which bank you're", "most comfortable with and also which has the best interest rate. And speaking of best interest rates,", "let's go over my top CD that I recommend. Now, some honorable mentions is Capital One,", "which has a 4% APY. So whatever amount of money that you put in, you will be guaranteed", "earning 4% on that. Also, Citibank. And then Marcus by Goldman Sachs.", "Those are the three honorable mentions that I'm going to go over. Capital One's 4%.", "Citibank is 4.35%. And then the Marcus by Goldman Sachs is 4.15%. But the one that I recommend,", "I'm just a huge fan, is Discover. Now, depending on the term, Discover will offer you a 4% APY", "if you agree to lock up your money for 12 months, 4.10 for 24 months, and then 4.25 for a five", "year period. So if you agree to lock up your money for 12 months, 4.10 for 24 months, and then 4.25 for a five year period.", "And then if you agree to lock up your money for 12 months, 4.10 for 24 months, and then 4.25 for a five year period.", "And something that I just, I really like how they do this is that you can see exactly how much", "money you'll be making. All right. So let's say we do a 24 month CD and we get a 4.1 interest rate.", "We put in, let's see, we're going to put in $2.5 million. You would have earned just over $200,000", "for the duration. So that is $100,000 a year. Now, this is better than the $200,000 a year.", "It's better for larger amounts of money because the return is so fixed and small. So the larger", "the amount, the more returns you're going to get, but it all comes with pluses and minuses,", "right? Like you need a larger amount of money to get a bigger return, but it's guaranteed.", "It's not like stocks. It's not like ETFs. This is guaranteed with zero fluctuations,", "right? When you sign the CD, this is how much money you'll be making. And that is the biggest", "draw. But also for some people, it's going to be a lot of money. So if you're going to get a", "that is the biggest con because they don't want to make 4% each year. They want to make 40%,", "which is totally fine, but I will stand by this. This is the safest investments you're going to", "find to get rich. Let's do a five year. So if you put a 2.5 million and you, uh, um, you hold it for", "five years, you would have made $477,000. That is crazy. So a certificate of deposit is definitely", "something that you should look at. It's not sexy, but, uh, it's not sexy. So if you're going to get", "a $47,000, you're going to have to make a $47,000. So if you're going to get a $47,000, you're going", "And that's it. That is all I got for today's video. Um, now, if you have any questions on", "anything that I said, uh, you can either hit me up in the email description or just drop a comment.", "And if you're still here, thank you so much for watching. Hit that subscribe button and I'll see", "you in the next one. Peace." ]

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[ "So there's a lot of websites out there that actually do fund classic cars online.", "There's like JJ Bass, Woodbridge Capital, and all these other websites.", "Now, I've talked to some of these other guys in the past.", "Generally, the interest rates you're looking at is about 7.5% to over 10%.", "So this is the thing. If you're going to pay 10% to buy a classic car, you probably shouldn't.", "It's just not worth it.", "So the place I found that is probably the best rates that you can find is a website called Lightstream.com.", "So Lightstream.com is unique.", "It's very different than these other capital places that give you financing or like JJ Bass.", "I'm going to tell you what the big difference is.", "Lightstream, you just apply online.", "They check your credit, and they literally fund you in 24 to 48 hours.", "You have the money in your bank account, which is great.", "You can take that money out.", "And you can go buy the car cash, or you can write a check or however you want to do it to the people you're trying to buy the car from.", "JJ Bass and these other companies will fund only up to, I believe, 90% of the car.", "So they don't fund the whole amount of the car.", "While Lightstream doesn't care, they'll fund whatever you need.", "They'll fund 100.", "They'll even fund over 100% of the car, including your taxes and any other things that are in the cost of the car.", "So Lightstream will give you the money.", "However, there's a big difference between Lightstream and a company like JJ Bass.", "JJ Bass will actually put a lien on the car.", "So they become the lien holder of the vehicle.", "And they also do something that's really cool, which I kind of like.", "I've never used JJ Bass, but this is what they'll do.", "They'll go out, and they'll match your VIN with the title of the person.", "So if you're buying a car, if you're in California like I am, and you're buying a car in Oklahoma or New York,", "they'll go, they'll send someone out within three days.", "They'll send someone out within three days to check the VIN and check the title, make sure it's not a fraud or a scam.", "And they will then fund you.", "They'll give you a check, and then you go ahead and you pay the other side.", "And they've already done the VIN verification for you.", "That's really cool.", "That means if you're buying a car, you don't necessarily need to worry about being a scam.", "The guy doesn't have the car, or the guy doesn't truly own the car, and he's trying to scam you.", "If you're finding him on Facebook Marketplace or on Craigslist or something like that,", "it's actually a really cool service, which most of the companies that finance and put liens on the car do.", "And if something happens, and they don't ship the car,", "JJ Best and these other companies will step in, and they will basically help you recoup the money.", "And I actually asked them about this. They say it's never happened.", "So by them doing the VIN check, it looks like that puts all the fraud that takes place out there to bed.", "Lightstream doesn't do anything like that.", "They're giving you the money.", "So it's up to you to do whatever you can do to protect yourself.", "So if they give you the money, and you send it to somebody, and you're not doing the VIN check,", "and you're not doing your proper due diligence,", "you could lose all the money and still owe Lightstream $20,000, $30,000, $40,000, for example.", "And Lightstream interest rates are really low.", "They're as low as 2.5% to about, I believe, 6% or 7% depending where your credit is.", "I mean, that's not bad.", "If you're going to buy a classic car, and you're paying between, let's say, even $3,000 to $5,000,", "or 3% to 6%, that's not bad.", "That's not horrible, by the way.", "It's not great, but it's not bad.", "It's doable.", "It doesn't add a lot to your monthly payment.", "So Lightstream is the way I would go, but if you're going to use them, try to buy a car locally", "where you can just get cash out of your bank and give it to the guy you're buying the car from,", "or give him a personal check.", "If you're buying from out of state, you've got to do your due diligence.", "You've got to go and protect yourself.", "Use escrow.com in that case.", "That's really the only website that's out there to protect you.", "You have to use escrow.com.", "You take your money, you put it in escrow.com, and you have the other side open an account", "with escrow.com, and when they ship the car or deliver the car, you fund the other side.", "That's how it works.", "That's what you should do.", "Don't send people cash if they're in another state.", "There's a small chance you won't see your cash, and you won't see your car, and you", "have very little recourse.", "That's my advice to you guys.", "Lightstream.com.", "If you can make the other side use escrow.com.", "If you trust the other side, then you can just send them a personal check.", "Sometimes I do that.", "Once in a while I have sent personal checks.", "I actually did this for this car here.", "I sent the guy a personal check for about half of it.", "I ended up trusting him, but it was not an expensive purchase.", "If you're looking at a $20,000, $30,000, $40,000 car, you probably want to trust the other", "You probably should go out, see the car, take your checkbook with you, and pay them right", "there and there.", "Get the title, and get the delivery truck ready, and do it.", "If you're over $30,000 or $40,000 on a classic car, you're going to want to go see it no", "matter where it is.", "Just get a plane ticket.", "It's going to cost you a few hundred bucks to a thousand bucks to go to another state,", "but do it.", "Otherwise, you can have problems.", "I've had problems in the past buying classic cars without seeing them.", "You don't want to do that.", "You're going to want to go there and really look at the car.", "Make sure what they're seeing in the advertisement and the pictures and the video match up.", "There's little things you see in person that you just can't get from videos.", "I'm sorry, you just can't.", "There's little things you see in the engine bay and other areas.", "I've seen areas of the car in the front where it's been ... For example, there's parts in", "the front where it's been welded.", "Usually when you see that, it means the car might have been in an accident.", "It might have been 34 years ago and it's not a salvage, it's still a clean title.", "These are little things you see.", "You might at that point want to not buy the car.", "You still might want to buy the car if it's a good deal.", "These are little things you'll see that you really don't see in photos and the owner might", "not even know about it himself.", "There's little details in cars that you'll pick up once you get into it.", "If you're going to finance a car, guys, don't pay a lot of interest rate.", "Don't go to 7, 8, 9, 10% guys.", "It's not worth it.", "Use Lightstream.", "That's the best advice I can give you guys.", "I hope that was helpful.", "If you've got any questions, please go ahead and ask and check out some of our ..." ]

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[ "तो बैंक कैशियर मुझसे कैश लेने के बाद", "बैंक के सिस्टम में मेरे अकाउंट के अगेंज्ट", "1 लाख रुपे की क्रेडिट एंट्री करेगा", "और जो कैश मैंने कैशियर को दिया है", "उस cash को bank treasury में रख देगा", "लेकिन recently ओडिसा में", "ICICI bank के एक employee ने", "1.85 crore रुपे का fraud कर दिया", "अब जो भी customer", "bank में cash जमा कराने आता", "ये employee उसे cash ले लेता था", "और bank के system में लिए हुए cash की entry भी कर देता था", "लेकिन उस cash को", "bank की treasury में रखने की बजाए", "अपने साथ घर ले जाता था", "ऐसा करके धीरे धीरे इस employee ने", "1.85 crore रुपे", "अपने घर में जमा कर लिये", "और फिर bank से design कर दिया", "लेकिन कुछ टाइम बाद bank audit में", "जैसे ही इस cash का mismatch मिला", "तो bank staff ने police complaint करवाई", "और finally police ने", "बड़ी मशकत के साथ इस fraudster को", "arrest कर लिया" ]

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[ "हम सबी को यही लगता है ना कि हमारे मरजी के बीना अगर हमारे अकाउंट में कोई भी एलेक्ट्रोनिक ट्रांजेक्शन हो", "जैसे कि ATM, POS, IMPS, UPI", "और जिसके वज़े से हमारे अकाउंट से पैसे कट जाएं", "तो बैंक की 100% responsibility बनती है कि वो हमारे पैसे हमें reverse या refund करें", "Correct?", "No, ऐसे ज़रूरी नहीं है", "इसके पीछे कुछ condition and RBI के rules हैं", "जो आपको पता रहना बहुत ज़रूरी है", "वरना आपकी गलती ना होते हुए भी", "आपको आपकी बैंक पैसे refund नहीं दे पाएगी", "तो आएए जानते हैं कि आपके account में हुए unauthorized electronic transaction", "याने कि आपके account में बिना आपकी मरसी के", "कोई भी electronic transaction होते हैं", "तो उसकी complaint कितने दिनों में करनी ज़रूरी है", "ताकि आपके पैसे refund आ जाए", "complaint नहीं करने से कैसे आपको loss हो सकता है", "बैंक को कैसे पता चलता है कि आपने वो transaction किया है या नहीं", "कितने दिनों में पैसे refund हो जाते हैं", "आपकी गलती है उस transaction में", "तो क्या बैंक पैसा refund करती है", "ऐसे सबी सवालों के जवाब आपको इस वीडियो में मिल जाएगा", "सबसे पहले जान लेते हैं कि unauthorized electronic transaction आखिर होता क्या है", "एक्सांपल के तोहर पर", "एटियम से cash withdraw करना", "पॉस मशीन पर card swipe करना", "मोबाइल बैंकिंग आप से IMPS, NEFT, RTGS करना", "UPI से payment करना, एक्सेक्टर एक्सेक्टर", "उपर बताए हुए सबी transaction जब आपकी मर्जी के बिना होते हैं", "तो उसे unauthorized electronic transaction कहते हैं", "आप इसे सरल भाषा में electronic banking fraud भी कह सकते हैं", "एक्सांपल के तोहर पर ये समझो कि", "रात के 3 बज रहे हैं और आप मुंबई में आपके घर पर चेन से सो रहे हैं", "और अचानक आपके फोन पर एक SMS आता है", "कि आपके account से 10,000 रुपे का cash withdrawal हुआ है", "वो भी गुजरात के किसी एक ATM से", "ये एक unauthorized electronic banking transaction है", "क्योंकि आप तो मुंबई में हैं", "और debit card भी आपके पास है और transaction हुआ है गुजरात में", "इत मिन्स किसी fraudster ने आपके card का एक duplicate card बना लिया होगा", "और शायद उसने आपका pin भी पता कर लिया होगा", "जिसकी मदद से उसने गुजरात में रहे कर आपके debit card से पैसे निकाल लिये", "खेर unauthorized electronic transaction की complete list मेंने description box में mention की हैं", "आप चेक कर सकते हैं", "अब हम दूसरे और बहुत important point की बात करेंगे", "वो है कि unauthorized transaction होने पर कितने दिनों के अंदर इसकी complaint आपको bank को करनी होती है", "और कैसे decide होता है कि ऐसे unauthorized transaction का compensation bank आपको देगा", "या फिर आपको ही ये loss सहना पड़ेगा", "तो आईए इसे हम different different scenarios में समझते हैं", "scenario number 1", "ऐसे unauthorized या fraudulent electronic transaction जहाँ पर bank या bank के किसी staff की गलती की वज़े से", "customer का account debit हो गया है", "तो इस case में bank की गलती मानी जाती है", "और bank की responsibility है कि वो customer के पैसे जल से जल लोटा हैं", "और customer द्वारा complaint करने की कोई time period नहीं है", "customer कभी भी इसकी complaint bank को कर सकता है", "example के तौर पर ये है Mr. Ketan जिनका account ABC bank में है", "ABC bank की कुछ staff ने मिलकर Mr. Ketan के account से fraudulently 20,000 रुपे निकाल लिये", "तो इस case में customer की liability 0 है और bank की 20,000 रुपे", "और यहां customer anytime complaint कर सकता है", "bank को तो 20,000 रुपे लोटाने ही है", "scenario number 2", "ऐसे unauthorized या fraudulent electronic transaction जहां पर customer की खुद की गलती की वज़ा से उसका account debit हो गया हो", "तो इस case में customer की गलती मानी जाती है", "और bank की कोई responsibility नहीं है तब तक जब तक कि customer bank को इस fraud transaction की complaint नहीं कर देता", "example के तौर पर Mr. Raju का account XYZ bank में है", "राजू ने कोई lottery के चक्कर में सामने वाले को अपने ATM card number, PIN, CBV, OTP सब दे दिया", "और उसके account से 30,000 रुपे कट गया है", "तो इस case में 30,000 की liability customer की है और bank की liability zero है", "यहाँ पर भी customer anytime bank को इसकी complaint कर सकता है", "लेकिन मान लो अगर राजू ने अपना card block करने की request", "bank को 7th September 2022 को दी", "और फिर उसके बाद अगर कोई fraud transaction हुआ तो", "वो bank की responsibility बन जाएगी", "scenario number 3", "ऐसे unauthorized या fraudulent electronic transaction जहाँ पर", "ना तो bank और ना तो customer की गलती है", "फिर भी customer के account से पैसे कट गए", "तो इस case में customer की liability है या bank की", "ये depend करता है कि customer ने अखिर कितने दिनों के अंदर", "इस transaction की जानकारी bank को दी", "मान लो unauthorized transaction के 3 दिनों के अंदर", "अगर customer ने bank को inform कर दिया", "तो customer की liability 0% हो जाएगी", "और bank की 100%", "याने की उस fraud transaction की भरपाई bank करेगा customer को", "और अगर 4 से 7 दिनों के अंदर complaint कर दी", "तो customer की liability इस table के हिसाब से तै की जाएगी", "आप वीडियो को pause करके table को अच्छे से refer कर सकते हैं", "और अगर 7 दिनों के बाद customer ने bank को इस fraud transaction के बारे में बताया", "तो इसकी responsibility bank लेगा या customer", "ये उस bank के customer compensation policy पर depend करता है", "जहाँ उस customer का account है", "अलग-अलग bank की अलग-अलग compensation policy होती है", "जो आप अपके bank के website से download कर सकते हैं", "एक्सांपल के तौर पर ये है Mr. आशिश जिनका saving account HDFC bank में है", "एक दिन आशिश का account अचानक hack हो जाता है", "और उसके internet banking से 7 सप्टेंबर 2022 को", "15,000 का एक international online transaction हो जाता है", "state of fraud transaction के 3 दिनों के अंदर", "यानि कि 10 सप्टेंबर 2022 के अंदर", "अगर bank को इस transaction की complaint करेगा", "तो उसे उसके 15,000 रुपे वापस मिल जाएंगे", "लेकिन अगर वो 4 से 7 दिनों के अंदर inform करेगा", "यानि कि between 11 सप्टेंबर से लेके 14 सप्टेंबर 2022", "तो उसे 5,000 तक का ही compensation मिलेगा", "टेबल के हिसाब से", "जहां saving bank account की case में", "customer की liability 10,000 तक होती है", "और अगर वो 7 दिन के बाद inform करता है", "तो आशिश को bank की compensation policy के हिसाब से", "compensation मिलेगा", "लास्ली मैं आपको कुछ important point भी बताना चाहूँगी", "इस policy से related", "first unauthorized or fraudulent transaction की जानकरी", "call center, bank website, email, physical letter के द्वारा दे सकते हैं", "second ऐसे unauthorized fraudulent transaction", "जहां पर ना तो bank की गलती है", "और ना ही customer की", "तो उस case में bank अपने customer के account को", "insurance से protected रखती है", "तो आप bank में अलग से insurance claim भी कर सकते हैं", "fraudulent transaction के against में", "third RBI के norms के इसाप से", "bank को date of complaint के", "90 days के अंदर customer की complaint को", "solve करना compulsory है", "अगर 90 दिनों के अंदर bank ये decide नहीं कर पाया", "कि customer की गलती है या नहीं", "तो उस case में bank को customer के", "पैसे लोटाने ही पड़ते हैं", "fourth bank के पास एक ऐसा", "second factor authentication system होता है", "जिसे bank ये पता कर सकता है", "कि किसी fraud transaction में", "customer का involvement वाखई में है", "या नहीं", "so make sure कि आप ऐसे transaction की", "complaint ना करें जो आपने", "खुद authorized किये हो", "fifth and the last कुछ cases में", "जहाँ पर ये establish हो जाए", "कि एक particular transaction में", "customer की गलती है", "फिर भी उस case में bank के", "higher authorities की power होती है", "कि वो customer के पैसे refund कर सकते है", "but again it depend upon", "case to case", "तो इसी के साथ में ये video", "यही समाप्त करती हूँ", "आज के topic से related सभी relevant document", "RBI, Master Circular मैंने", "description box में attach किया है", "आप जाकर check कर सकते हैं", "आपके कुछ doubt है तो आप comment box में", "पूछ सकते हैं", "Thank you" ]

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[ "why it is so underrated, and why you should consider adding it to your wallet.", "Similar to some of the higher end cards like the Chase Inc. Business Preferred,", "this is a Chase Inc. Business card and I really haven't heard too many people talking about this", "card. It's really a fantastic card to add to your portfolio, especially if you already have", "a Chase Ultimate Rewards card. Let's jump into some of the benefits of this card.", "The Chase Inc. Business Cash comes with a sign up bonus of $500 cash back whenever you spend", "$3,000 within the first three months. This bonus literally doubles in value if you have a Chase", "Ultimate Rewards card like the Chase Sapphire Reserve or the Chase Inc. Business Preferred.", "These Chase Ultimate Rewards points are really great and that's why you hear people talking", "about them so much. If you have multiple Chase cards along with a Chase Ultimate Rewards card,", "you can get a $500 bonus for each of the three months. This bonus is a great way to get a", "chance to redeem all of your points. Ultimately, your Chase Inc. Business Cash will become a Chase", "Ultimate Rewards card. Chase Ultimate Rewards points can be redeemed at $0.02 per point,", "which is one of the highest redemptions available. The $500 you're getting with the Chase Inc.", "Business Cash, once again if you do have a Rewards card to go along with it, is now worth an", "impressive $50,000 Chase Ultimate Rewards points. If you're redeeming these cents at $0.02 per point,", "you can get a $50,000 Chase Ultimate Rewards point. This $50,000 is worth $1,000 in travel.", "This is why the Chase Inc. Business Cash is such a great card to add to your portfolio,", "especially if you have an Ultimate Rewards card already. I really think one of the reasons the", "Chase Inc. Business Cash is so overlooked is because nobody's taking its true value", "into account when it's paired with one of these Rewards cards. Oftentimes when", "we're applying to new credit cards, we're often looking for those huge point signup bonuses, and", "this is $500 cash back on Chase's site, but nobody's taking into account that this can be", "$1,000 whenever you pair it with a Rewards card.", "Perhaps the best perk of the Chase Inc. Business Cash is that it has absolutely no annual fee.", "So this is a card that you can keep in your wallet for", "years and not have to reevaluate it every time you're going to be charged again.", "Another reason to consider the Chase Inc. Business Cash card is that you'll earn", "5% on the first $25,000 back on office supply stores, phone, landline, internet, and cable", "services. You'll also earn 2% cash back on the first $25,000 you spend at gas stations and", "restaurants each account anniversary year. For everything else, you'll get an unlimited 1% cash", "back. When you max out each of these bonus", "categories for 5% and 2% cash back, you can earn a total of $1,750 cash back each account anniversary", "year. If you're pairing this with a Rewards card, this cash back is going to double. So this $1,750", "turns into $3,500 of redeemed point value.", "Applying for this card is going to be pretty much the exact same process as applying for the Chase", "Inc. Business Preferred. I do have a video of how to apply for the Chase Inc. Business Preferred on", "my channel, so if you haven't seen that, I will link that below. If you have already applied for", "the Chase Inc. Business Preferred, the process is going to be even simpler because you can just", "apply for this new card and select your business instead of filling out all of its information", "again. Similar to the other Chase business cards, you need to be under 524 to apply for this card,", "but this card does not count towards your 524.", "If you don't know what 524 is, this essentially means that Chase isn't going to approve your", "application if you've gotten five credit cards in the past 24 months. And this is why if you're", "starting out on your credit card rewards points journey, it's a really good idea to start with", "the Chase cards first because there's a lot of stipulations that come with those. Thank you all", "so much for watching. I hope this video was useful in pointing out some of the benefits of the Chase", "Inc. Business Cash. Please like and subscribe if you haven't already, and I'll see you in the next" ]

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[ "When I told some people about it, they seemed to be a little bit like,", "why would you do that?", "So I figured, why not make a video and tell you why I did it?", "Now to be clear, I don't have anything against PNC, so this is not going to be a bashing video.", "I've been a customer for many, many years.", "Ever since I got my first checking account back in, I don't even know when, I must have been like 16 or 17.", "They've been great overall, but there are some things that recently started to happen", "that made me decide to close the account.", "The first problem that was going on is as a business owner,", "obviously I need to connect all of my tools together.", "But PNC for some reason always had huge issues with actually integrating with my accounting softwares.", "And obviously that made it really problematic for me to make sure my books were done on time.", "So in the beginning I was using Xero.", "Then I was like, okay, maybe it's Xero's fault.", "Let me switch to QuickBooks Online.", "Still had issues with connecting.", "And the statements were still not importing.", "Some of the transactions were not importing.", "And obviously that was kind of annoying.", "And the same thing was happening when I switched over to Bench.", "So that was obviously really problematic and it wasn't really surprising.", "I think that PNC, when you go into the online banking section, like when you log into their website, but also their app, not to offend, I think they kind of look archaic.", "They kind of look really old.", "Like the design is old.", "Yeah.", "It feels like it hasn't been updated in.", "I don't even know.", "Actually, I think it hasn't.", "I think since I got my account years ago, I don't think they ever updated the design.", "And obviously, I mean, whatever, like it just has to work, but it doesn't always work.", "And that's the other problem.", "You know, sometimes I would log into my online banking.", "It wouldn't allow me to log in, even though I had the right password.", "And then some of the times when I was able to log in, sometimes I wouldn't be able to see my transactions.", "And there were just a lot of issues that I was having online.", "And I don't know if that's unique to me.", "But I mean, it was kind of annoying and it was specifically primarily happening on the business account side.", "So I don't know what's going on with that.", "So my first business credit cards were actually also a PNC.", "And I wasn't very familiar with like points at the time, but I did have one credit card with cash back.", "It was like one point five percent and then another one that's just points focused.", "So eventually I decided to close the points based card because honestly, there weren't really a lot of rewards.", "There was it was kind of pointless to have the card and I believe it was.", "So I was like, okay, I'm gonna go ahead and close this one.", "I don't quote me on this, but it wasn't really easy to use.", "It was really hard to see what I could even change the points for.", "Like if you compare it to the Chase reward system, it's like night and day.", "I mean, the Chase platform is so much easier to use, and that's what I specifically focus on using right now.", "And the PNC one is just again, it was kind of archaic.", "I do still have those two cards open as an FYI, and I just I guess I use it just for to help my credit score.", "So it's a bigger credit line that I have.", "But a really weird thing that was going on, too, with these cards, and I don't know if other accounts do this or not, but I haven't seen it with Chase or Amex.", "But when I was integrating the few times that the integration did work, when I was integrating PNC credit cards with my accounting software, what was going on is that there's two accounts that pop up for one credit card.", "And it's the same.", "So it would show up as like the credit account and then the credit card.", "It's the same thing, though.", "So I thought that was really confusing.", "My bookkeepers are always kind of confused or like, wait, are you buying the same thing in two cards?", "Like what's going on?", "But it's like the same thing.", "One was just an account and what was I don't know why they did it.", "I haven't seen any other place do it.", "Chase isn't doing this.", "I don't know why it's like this.", "I think it's confusing, but I don't know.", "I don't know.", "I always thought it was weird, but it is what it is.", "And the annoying thing is that suddenly and this is probably something all banks do.", "So, you know, I'm not going to say that just PNC does this.", "I think every bank probably does this.", "I think it's just so unethical, though.", "Suddenly, out of nowhere, for no reason whatsoever, they just start charging me a monthly fee for one of my accounts.", "It had zero balance for like months, months and months and months and months and months and months.", "And then suddenly I'm getting a ten dollar charge because, oh, but you don't have a balance.", "You have to pay.", "I'm like, where did this come from?", "And I'm trying to get it resolved.", "Doesn't get resolved.", "Another month goes by another ten dollars.", "I'm like, what the heck?", "I was not notified that I would start getting charged.", "No one told me.", "No one called me.", "Nothing happened.", "Right.", "I just think it's so unethical.", "Like, if you're going to start charging, maybe let us know.", "Maybe tell me.", "They did do the same thing with my personal virtual wallet checking account, too, where suddenly out of nowhere, like, it was perfectly fine.", "That.", "I had.", "Sometimes I would have less than five hundred dollars in it.", "And because of that, I started getting charged a monthly fee.", "And then I never signed up for a monthly fee type of like checking account.", "They told me there's no monthly fees anyway.", "Have you ever been charged randomly?", "Is this like a thing?", "Have you ever had a bank just randomly start charging you a monthly fee without telling you?", "I think it's just so rude.", "Last reason.", "And this was like the final straw.", "I decided to close my PNC account is I years ago I moved to California.", "So when I was moving for the first time, I was like, I'm going to go to California.", "I'm going to go to California.", "Like, there's no PNC branches.", "So I was trying to get like a bunch of money out for I think it was a deposit for an apartment or something.", "And I had to go over two separate days.", "It was just like really confusing and not having a branch obviously makes it a little bit more difficult.", "I don't like to go into branches.", "I love doing everything online.", "But, you know, it's sometimes you just have to go.", "Right.", "So there's none in the San Diego area.", "So obviously that makes it really difficult.", "The other problem is that when I was changing out my address on my personal and my business cards and my checking accounts, I could do it on the personal ones.", "I call those like, hey, you know, change out the address.", "Cool.", "They're like, oh, you have to come to the branch.", "There's no branches in San Diego.", "So I can't come into the branch.", "They're like, we can't change your address on file until you come into the branch, which is like, why?", "What?", "And I believe they did change my address on the credit cards, but not the checking accounts, not the business checking, which is like, why?", "Why?", "Why do you have to see me in person?", "Maybe I'm just being spoiled and I'm just so used to doing everything online that I'm just like, I have to see you in person.", "Why?", "But like, I'm not going to buy a frickin flight to go over to Chicago so I can go to a frickin PNC branch.", "Anyway, I'm getting heated now.", "And this is a funny thing.", "I can't change my address on file through the phone.", "A quick thing I just want to mention.", "I'm Polish.", "And the reason why we started with PNC is because they have a lot of Polish people that are employed there, which is awesome.", "But obviously not awesome enough for me to stay there." ]

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[ "if you're keeping your cash in any plain old national bank account,", "then you could be making a huge mistake and losing money because of it.", "That's because those big well-known banks are paying out interest at the bare minimum", "for what are supposed to be savings accounts.", "But when you're only earning as little as maybe 0.01% or slightly more if you're lucky,", "those savings you have are losing purchasing power quickly.", "To make things worse, many of these bank accounts also have", "minimum deposit requirements and hidden fees.", "And what I've found is that many times people stick with the same", "outdated bank accounts they've had for years,", "just because it seems like a lot of work to find and open a new one.", "But with this video, I want to make it easy for you to switch and start earning anywhere", "from 3.4% to over 4% APY with the six best bank accounts and other high-yield accounts of 2023.", "And all the accounts in this video have no minimums or fees, which is the way it should be.", "So let's just get right into the content here with the first bank account,", "which is one of my personal favorites that I've been using for a while now.", "And that is the SoFi Checking and Saving.", "Now, SoFi officially became a bank last year, and their checking and savings product has", "consistently been one of the best out there when it comes to features and higher paying rates.", "So we'll get into the features next, but right now you can earn up to 3.75% APY with,", "of course, no account fees or minimum balances.", "Now, when you open up a SoFi online bank account, that comes with both a checking", "and a savings account that'll be open for you at the same time.", "But to get that 3.75% rate, the catch is that first you need to set up direct deposit.", "And after that, then you'll earn 3.75% APY.", "So you'll only get 3.75% in your savings account, but only 2.5% in your checking account.", "Now, those are great rates for both checking and savings accounts when you compare them", "to other similar accounts on the market.", "And you can easily move money back and forth with no limits on withdrawals and transfers", "between those two SoFi bank accounts.", "But the reason you need to set up direct deposit is that basically they want to have you using", "SoFi as your primary bank account so that you'll consistently have cash coming in every", "single month from something like your paycheck.", "If you don't have direct deposit with SoFi, then you'll only get 1.2% APY in both", "checking and savings.", "So just be aware of that if you want to be earning those higher rates that SoFi advertises.", "So I personally do not get biweekly paychecks with direct deposit.", "So I'm only getting that 1.2% rate.", "But 1.2% with SoFi checking is still better than pretty much any other checking account", "out there anyway.", "So I'm fine with using them as my main checking account.", "Also, I got to quickly mention that even though the numbers in this video are going to be", "accurate as of the filming of this video in late February 2023, interest rates change", "over time.", "So these numbers can go up and down.", "But just know that regardless of those changes over time, you're going to be able to get", "the accounts in this video have consistently been offering the best paying rates anyway.", "Now, in addition to high APYs and no fees or minimums, SoFi also offers access to over", "55,000 fee-free ATMs within the Allpoint network where you can withdraw cash from your account.", "Plus, you can get your paycheck up to two days early and have overdraft protection of", "up to $50.", "But early paycheck and overdraft protection do require direct deposit to be set up as", "well.", "require direct deposit to be set up to unlock the account.", "SoFi is a great way to set aside money for different purposes or savings goals like a", "travel fund or an emergency fund.", "And those balances within each vault are also eligible for that 3.75% APY since they fall", "under your savings.", "Now, one other feature that I really like about SoFi and their app that not many other", "banks have is called Insights, where basically I can link and track all my finances in one", "place.", "So with QuickLance, I can see things like my spending, my net worth.", "And my credit score.", "And it's not the only way I track these things personally, but it's still a really convenient", "feature that definitely helps and encourages me to stay on top of my money.", "Also, right now, SoFi is offering a signup bonus for their online bank account where", "you can receive between $50 and $250 depending on direct deposit amounts that you have over", "a certain timeframe.", "So I'll leave a link for that down below where you can learn more about this account if you're", "interested because not all high yield accounts offer a signup bonus.", "Now, I also want to mention that because this is an online only account, you don't have", "branch locations or as many convenience stores.", "You can't get a bank account in your own account.", "So if you're using SoFi's checking account and you do need to deposit paper cash on a", "regular basis, you can still do that.", "But you'll have to search in the app for an eligible retailer like 7-Eleven, CVS, or", "Walgreens, and then pay a small fee to deposit that cash.", "So just be aware of that.", "So for many people that'll set up direct deposit.", "And don't know how to do that.", "But if you're looking for a bank account that's not a good fit for you, you don't need to", "I think SoFi has a great bank account with a ton of useful features and a high APY with", "their checking and savings product.", "But if you don't like what they offer from being online only, then this next bank account", "could be a better option for you.", "And that is the Capital One 360 Performance Savings Account.", "Now, Capital One is one of the few larger national banks that made this list because I", "actually think they offer sort of the best of both worlds when it comes to online banking", "and traditional in-person banking.", "Their 360 savings account has an APY of 3.4% with, of course, no fees or no fees.", "something like that for cash deposits or other products and services that Capital One offers.", "Plus they've got some cool Capital One cafes that I've been to once or twice that are really", "unique ways to approach banking, which kind of goes along with the whole banking reimagined", "thing they say in their commercials.", "The 360 savings account also offers the ability to set up automatic transfers to the account,", "which is always nice if you want to do that.", "And even though you don't have a feature like SoFi's vaults, Capital One does say on their", "website that you can create multiple savings account for each one of your five-day payments.", "because I always like having my savings organized under one account personally.", "Now I'd say that other than those things, there's not much else to mention here because", "it's a pretty basic high yield savings account and Capital One does also offer a 360 checking", "account that you could pair with this.", "But honestly, there's not that many features in that checking account that sort of stick", "out to me other than the basics like no fees or minimums, access to over 70,000 fee-free", "ATMs, up to two day early paychecks and a pretty low 0.1% APY on checking bills.", "So definitely do not keep any extra cash in their checking account.", "Just put it in a savings account instead with that much higher 3.4% APY.", "I also think that the Capital One app is nice and much more user-friendly with managing", "all your Capital One accounts in a single place compared to what some other larger national", "banks offer.", "So these Capital One bank accounts, especially that 360 savings account could be the right", "fit for you if you value having a simple experience with a high APY and that option for in-person", "banking.", "But their checking account is pretty basic if you want to pair that with the high yield", "savings account.", "Then next for bank account number three in this list, we're going to go back over to", "another online only bank account that really led the way with online banking over the past", "few years.", "And that is going to be Ally Bank with their online savings account.", "Now Ally has been famous in the online high yield savings world for a while and really", "became popular with the rates they pay and some of the other cool features they have,", "which we'll get into here.", "But with Ally right now, they're currently paying a 3.4% APY in their savings account,", "which is the exact same as Capital One.", "So both Capital One and Ally at 3.4%.", "All just slightly undervalued.", "So the first one is Ally, which is a bank account that you can set up under the SoFi", "Savings account, which currently is our highest interest rate in this video at 3.75% if you", "set up direct deposit with SoFi.", "Then with Ally, you get the same no monthly maintenance fees or minimum balance requirements,", "which like I said before, is such an important thing to look out for.", "And then you've also got a buckets feature that'll help you with breaking up your savings", "that you have in this account into basically smaller sub accounts that you can set targets", "and goals for.", "So that's similar to vaults with SoFi.", "And I think these are great features for helping customers to really visualize what their savings", "are going towards.", "Then Ally also has a really cool feature called the SoFi Savings.", "It also advertises what they call boosters.", "These are a nice little add on, but nothing too special.", "You can set up recurring transfers, which is good for automating your savings that you", "move over into your Ally Savings account.", "And then there's also a roundup booster where you can have a linked Ally checking account", "that'll round up all your purchases you make through that account to the nearest dollar", "and move it over to the savings account.", "But that would only happen if you're using a debit card for spending.", "And here on my channel, I like to always think that it's much better to use a credit card", "over a debit card and then just pay off that credit card in full every single month.", "Now, if you do want to open and then pair a check, you can do that.", "products that are available on their website.", "So, let's get started.", "isn't great compared to a savings account.", "But it's still better than nothing compared to other checking accounts with larger national", "banks out there, like you can see from this comparison on their website.", "But for this video, Ally checking still falls short of even the bare minimum that you can", "get with SoFi because, like I said earlier, I'm getting 1.2% in my SoFi checking account,", "even without direct deposit.", "Now, Ally checking also offers spending buckets, which are similar to the savings buckets.", "And I think this is one of the most useful features out of any checking accounts out", "there because it can be really good for helping customers to set and then stick to their budgets", "every single month by giving you a very good balance of savings.", "It's got a great amount of money, and it can be used to make sure that you're not", "always spending money.", "So, if you're looking to have a better balance of savings, Ally has a really good", "You can use the", "feature that pairs really well with a good checking product that also has spending buckets.", "So, if you don't mind having no in-person banking and you're looking to get a better", "balance of savings, then Ally is a nice, reliable option.", "So, if you're looking for a good interest rate with some additional features, then Ally", "is a nice, reliable option.", "All right, moving on to account number four, and I'm only saying account here because this", "is technically not a bank account, but instead, it's a cash account with a lot of similar", "features that combine some of the best benefits of different checking and savings accounts", "out there.", "So, that is going to be Wealthfront Cash.", "Now, I've mentioned Wealthfront Cash in some previous videos here on my channel because", "I'm a big fan of them myself.", "And the main reason it's on this list is because it offers the highest APY out of all the accounts", "in this video at currently 4.05% of all the accounts in the world.", "most banks, but then they also say not quite a bank, quite a bit better.", "And because they're a cash management account, they basically partner with other banks out", "there who then hold your deposits.", "And then Wealthfront is able to offer things like more features and a higher APY on their", "platform.", "So, this account has zero fees, unlimited fee-free transfers, no minimum or maximum", "to earn that 4.05% rate, access to funds earlier with direct deposit, over 19,000 fee-free", "ATMs.", "And normally, bank accounts like all the other ones in this video offer up to $250,000 in", "FDIC insurance, but the way the Wealthfront cash account works with those multiple partner", "banks, they're able to offer up to that $2 million.", "They've also got a feature that's similar to Vaults with SoFi and Buckets with Ally", "called categories.", "And this is the same type of thing you'd expect where you basically create all these categories", "that fall under your Wealthfront cash account that you can set up for different savings", "goals.", "Now, I think their app is personally my favorite out of all the other accounts in this video", "just because of how clean and simple it is.", "And like SoFi, you can also link other external accounts or add assets and liabilities manually", "to track your wealth and your net worth over time, which is a cool feature.", "Plus, you can even set up transfers over to a Wealthfront investment account so you can", "invest your money and grow it over the long term.", "Now, a few negatives here with Wealthfront cash will be that first of all, you can't", "really make cash deposits, so you're gonna have to transfer in money from other accounts", "or receive direct deposits.", "And also, there's gonna be limitations when it comes to sending and depositing checks.", "So with most bank accounts out there, like the other ones in this video, you're gonna", "balance of at least $2,500 across all your Wealthfront accounts for at least 60 days.", "Now, that feature is good enough for most people, but you can only have them send checks", "for you if the address is in the United States.", "And also, to unlock this feature, you have to first have direct deposits of at least", "$250 and you also have to have an average balance of at least $2,500 across all your", "Wealthfront accounts for at least 60 days.", "Depositing checks also requires those same requirements for a direct deposit and those", "average balances.", "So this can be a few annoying hoops to jump through, but Wealthfront does say that these", "are all requirements for security purposes that are meant to deter fraudsters and they", "also say that they're working to make access easier.", "So those are just a few small negatives to keep in mind with an account that otherwise", "I'm still a big fan of.", "So if you want the highest APY out of all the accounts in this video, you plan to hold", "a lot of cash and want that higher FDIC coverage, and you like having a simple and clean app", "interface to track your finances, then the Wealthfront Cash account is a great one to", "check out.", "Next, moving on to account number five, which is another strong online account.", "This is a high yield bank account with another well-known name, and that is the Discover", "Online Savings Account.", "Now Discover is offering a 3.5% APY, which puts it just slightly above Capital One and", "Ally.", "And the cool thing on Discover's website is that you can compare Discover to some of those", "other accounts out there like those, and then you can see what you'll earn in interest every", "single year.", "So outside of that competitive 3.5% APY, Discover's savings account is pretty basic with no fees", "or minimum balances, but not too many other features other than receiving paychecks with", "direct deposit up to two days early.", "I wanted to include them on my list of the best bank accounts again this year, because", "in addition to this account for savings, you can also look into their checking account,", "which offers a very rare feature of getting 1% cash back on up to $3,000 in debit card", "purchases each month, and not many other checking accounts offer this type of feature.", "Now that 1% cash back debit card checking account is actually sort of on pause right", "now because it rolled out last year.", "And then I guess Discover experienced large amounts of fraud, so they decided they were", "going to stop taking new applications for a while, and then they're going to relaunch", "in 2023 with more advanced cash.", "So I'm going to be using my credit cards to get better than 1% back, but for anyone", "out there that either hates credit cards or just can't get approved for one, this Discover", "checking and savings combination is definitely going to be pretty good to check out once", "everything is live again with that checking account.", "And then with that checking account, you're also going to get a bunch of other standard", "features like having access to over 60,000 fee-free ATMs, and of course, no fees over", "there as well.", "Discover also has the Discover It credit card, which is one of the best no annual fee cashback", "credit cards ever created that I've talked about in other videos.", "and maybe even a cashback credit card, then Discover is a nice simple option for anyone", "to take advantage of.", "Now lastly, in this video for bank account number six, I've got one of the best checking", "accounts out there that not enough people know about, but heavy travelers have been", "getting a ton of value from this account, so I'll explain why.", "And that is the Charles Schwab investor checking account.", "So this used to be called a high yield account, but recently Schwab decided to change that", "name and remove the high yield part because obviously it's not high yield.", "So it's a little bit more of a", "high yield account.", "So the most important features come with how you can actually use the debit card that's", "linked to this account, because with that card, you're going to have no foreign transaction", "fees and you also get unlimited ATM fee rebates worldwide, which is why travelers love this", "account.", "debit card and they're going to give you a refund at the end of the month for any ATM", "fees you might have had.", "So for me, I really wish I had this debit card before, especially in college, because", "I would pay in cash for things all the time and I would use ATMs that charged me five", "bucks every time I took out cash.", "So this account could have saved me hundreds of dollars in fees over my four years in school.", "Other than that feature, this account is going to be pretty basic as well with no fees or", "account minimums.", "And when you open this investor checking account, it's also going to have you", "open and then link a Schwab brokerage account.", "You can use that brokerage account if you want to, because Schwab does offer some good", "services there as well.", "But personally, I would take advantage of the ATM fee reimbursement feature with their", "checking account when I'm out traveling and taking out cash.", "And then I would pair that with a different high yield savings account where I would hold", "most of my cash savings to get a better paying interest rate.", "Now, if you're trying to increase your savings that then you'll have more money to set aside", "in one of the best bank accounts in this video, one of the best things you can do is to create", "some sort of a budget to track and then cut back on your spending.", "And this is something that I used to have a really hard time doing, but then I created", "a simple budgeting template that's helped me out a ton to the point where now I actually", "save over 60% of my income every single month.", "So if you want to see how I budget to save money and then get a free download to that", "template, then make sure you go ahead and check out this video over here next.", "But as always, thank you so much for watching and I'll see you in the next one." ]

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[ "hundreds of letter of credit to entities related to the troubled corporate borrowers to help them avoid a loan default.", "Bank often extends the loan to debt-laden companies to help them to repay previous loans,", "a practice known as evergreening according to reports complained by an anonymous ICICI Bank employee", "who wrote to the bank and the Reserve Bank of India on 20 and 22nd March.", "The private sector lender also sanctioned a large number of term loans to entities related to the 31 borrower names in the complaint.", "The complaint names SR Global, Bhushan Steel, NCML Industry, Bhatia Global, Bhushan Energy and SR Steel among the 31 companies that have been named." ]

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

[ "UPI, Unified Payments Interface, has become one of the most preferred payment modes in the country.", "In case individuals have transferred money to the wrong UPI ID, the first thing to do is to report", "the transaction to the customer service of applications such as Paytm, Google Pay, and Pwnpay.", "You also have to upload your bank account statement and submit the complaint.", "Week of cash flow" ]

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

[ "इंटरफेज पर होने वाले मार्चेंट लैंडें पर प्रिपेड पेमेंट इंस्ट्रूमेंट सुल के लाभ किया जाए हाला कि एनपी", "सीए ने रिलीज जारी का इस तृति साफ कर दिया कि आम ग्राहकों के लिए जो खातों से खातों में लेंडेकरेंगे उनके लिए", "पीआई मुफ्त बना रहेगा यदि 2000 रुपए से अधिक राशिक के लिए यूपीआई पर पीआई का उपयोग करने से लेनदेन", "मूलिय का वन देशम लोग वन पर्थिसद सूल के रूप में देना पड़ेगा इंटरचेंज की शुरुआत जीव देशम लोग पाइप से", "मर्चुअल पांड़े सरकार भीमा और रेलवे के लिए वन पर्थिसद से सरकुल में कहा गया है कि यह" ]

[ 0, 0, 0, 0, 0 ]

[ "and they are not alone", "पूरे देश भर में ऐसे कई UPI scams हो रहे हैं", "जहां आपको कोई fake army officer approach करेगा", "for a rented property or buying a product", "यह आपको एक fake ID भी दिखाएंगे", "और in fact आपके साथ uniform में video call भी करेंगे", "फिर आपका trust गीन करते ही आपसे", "advance payment लिए QR code या UPI request भी जेंगे", "जिसे accept या scan करते ही आपके पैसे गाया", "so to avoid this इन दो चीज़ों का खास द्यान रखें", "किसी के साथ OTP share ना करें", "आपको payment करने के लिए किसी OTP की ज़रूरत नहीं बढ़ती है", "और अगर आपसे कोई OTP मांग रहा है तो तुरंट alert mode में आ जाएगे", "अगर कोई आपको पैसे भेजना चाता है तो आपको अपनी app खोलने तक की ज़रूरत नहीं पड़े", "UPI request accept या QR code scan करने का तो सवाल ही नहीं होता", "इस वीडियो को अपने parents और family group में जरूर share करें", "and save them from being scammed" ]

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[ "Today we're going to look at 9 reasons why this card might be a skip for you.", "That might be because you travel a ton, or you don't travel enough.", "Before we dive into everything, big favors to give us a thumbs up to help with the algorithm,", "that way people that need to see this can see this, and if you are new, to consider subscribing.", "First up is going to be the effective annual fee.", "The Venture X has a $3.95 annual fee, but also has two things that help offset this.", "A big chunk of it is going to be the $300 annual travel credit for bookings through the Capital One Travel Portal.", "This is every card member year, so another way to think of it is that for every $3.95 in cash that you pay them,", "they're giving you back a $300 voucher.", "The other component is 10,000 anniversary miles for every card member anniversary.", "You get this after the first 12 months, 24 months, 36, and so on.", "On paper, the ideal case is that you're paying $3.95 by getting $300 and $100 back for a negative $5 effective annual fee.", "Conceptualizing it a little bit differently,", "they're pretty much paying you $5 to have the card.", "In principle, this sounds great, but it's not for everyone.", "For example, for Team Road Trip, you might be looking at a $2.95 effective annual fee.", "A big reason for this is how the components work.", "With that said, this leads into number two, the travel credit, and how you do have to do some work.", "To be fair, it's not as annoying as some other issuers that have a lot of hoops to jump through,", "but it's also not as easy as Chase.", "So for example, for the Chase Sapphire Preserve, anything that codes as travel works.", "That could range from taxis to subways,", "parking meters, and parking garages,", "or things like tolls, trains, and ferries.", "And of course, hotels, airlines, and a lot of other things.", "For the Chase Sapphire Preserve, anytime you swipe and it codes as travel,", "it will deduct against a $300 travel credit for that card.", "In order to trigger the Capital One credit, it has to be through their portal.", "Let's say you're on Team Road Trip, you drive your own car, and you'd like to stay at Airbnbs.", "In those cases, it might be very difficult, if not impossible, to trigger that credit,", "and you might be forcing yourself to stay at a big chain.", "I personally don't mind big chains,", "there are people that just don't like them.", "Another issue is price inflation, but we'll talk about that towards the middle.", "The other part of the effective annual fee calculation is going to be the anniversary miles.", "Again, 10,000 miles after every card member anniversary,", "so after year one, year two, and so on.", "Capital One miles have a pretty big range.", "If you're looking for pure cash back as a statement credit,", "you're only getting 0.5 cents per point,", "so for 10,000 miles, that's only $50 in value.", "If you do purchase a racer against travel purchases,", "then you're getting 1 cent per point, so 100 in value.", "Same thing with the travel portals,", "1 cent per point, 100 in value.", "And then if you transfer out to partners,", "the target is about 2 cents per point, so maybe 200 in value.", "Note that transfer partners are not guaranteed,", "it's more so a target that you're aiming for, that you want to get.", "All of these are fine, but they pale in comparison to Chase.", "For Chase, if you want to cash other points as a statement credit,", "you're getting 1 cent per point, so twice as much as Capital One.", "If you're looking to use the travel portal,", "the Chase Sapphire Preferred gets 1.25 cents per point,", "Chase Sapphire Reserve, 1.5 cents per point.", "25 to 50% more than Capital One, respectively.", "For transfer partners, it's still the same 2 cents per point target.", "And even this one, you can argue because Chase has some partners", "that are pretty good, such as Hyatt, that Capital One doesn't have.", "Probably way too much of a rabbit hole, but know that there are differences.", "Given the numbers, you can kind of tell that it might not make sense", "if you don't travel enough and you want to cash out some of your points,", "but also doesn't really make sense if you travel a ton", "and you want to rely on that travel portal.", "Number four, and one of the more interesting ones", "if you want to play the long game, is opportunity cost.", "If your goal is to get two to three cards, maybe five cards, then less impactful.", "On the flip side, if you want to do a bunch of first or business class flights,", "maybe do some aspirational trips, get a million points,", "especially for normal people who aren't spending $100,000 a month", "on business expenses, then arguably there is an optimal path.", "If you already have credit history and you're getting into the game right now,", "then the pathing is pretty straightforward.", "Usually your first five cards are going to be from Chase.", "So let's say the Chase Freedom Unlimited or Chase Freedom Flex is your first one.", "Chase Sapphire Preferred or Reserve is your second one.", "And then you pick your own adventure.", "That could be the World of Hyatt, the United Quest, the IHG Premier,", "Southwest, Aeroplan, or a bunch of other cards.", "If you're eligible and willing to get business cards, then you can sprinkle", "in the Inc. Cash, Inc. Unlimited, or Inc. Preferred throughout those personal applications.", "They get you about five to eight Chase cards,", "and then you do the difficult issuers like US Bank and Capital One.", "I love the Venture X, but there is an opportunity cost, and that's another Chase bonus.", "Put another way, you might be leaving $500 to $1,000", "to travel on the table by rushing to Capital One.", "To be fair, this one is more of a timing", "question rather than getting the card as a whole.", "On that note, if you do want to learn about cards, whether it's the Venture X,", "some other Chase cards, or maybe something else entirely and want to support the channel,", "we do have links on the website, AskSebi.com, and also down below in the description box.", "Make sure the links are competitive, that the cards make sense for you", "and your circumstances, but otherwise it is a huge way to support the channel.", "So thank you guys in advance.", "One of the really cool things that came", "with the Venture X is Capital One.", "Lounge's. I've been a fan of this because more", "competition is better for us as consumers, and I consider that a win.", "In the long term, this is going to be a strong network.", "But right now we're just starting out.", "As of filming on August 1st of 2023, only one of the lounges are open.", "It is a nice lounge, but unless you're flying through Dallas,", "Fort Worth or your base there, it doesn't really matter.", "To be fair to Capital One, they are supposed to open up two more this year.", "Both Washington IAD and Denver are expected to open in September.", "This obviously helps, but we still have a long way to go.", "At the same time, I probably am biased because I don't really go to these", "places that often, maybe only once per year.", "Compared to the two to six times a year,", "I end up going to L.A., Vegas, New York or Houston.", "The counterpoint, though, is that Capital One's picks are pretty good.", "If you look at the busiest airports in the United States for 2022,", "Dallas, Fort Worth and Denver are two of the top three.", "Dallas IAD is a lot further down and this is regardless of year.", "It feels like a weird pick,", "but it makes a lot more sense once you do a quick Google search.", "Capital One's headquarters are", "in Virginia, 30 minutes outside of Washington, D.C.", "Unnecessarily going a level deeper.", "Let's look at Google Maps.", "IAD Airport is 17 to 19 minutes away.", "The other major airport nearby is DCA, which is 21 to 24 minutes away.", "Main takeaway, Capital One is on the right track.", "They have two of the biggest three and they have their HQ,", "but they're still far away from total dominance.", "Number six is one of their other lounge partners, Priority Pass.", "The Venture X version is kind of a weird one because it's one of the best ones,", "but also doesn't", "really have the full features.", "The big draw is that you can bring in unlimited guests to their lounge locations.", "If you want to bring yourself and 10 of your closest friends, you can do that.", "The downside is that the Priority Pass from the Venture X only works for lounges", "and not other partners like restaurants or spas.", "As of March 27, 2023, the business Venture X still has restaurants,", "but it's not the consumer Venture X.", "OK, but does that matter?", "It very much depends on the airport that you're based out of.", "If we're flying Alaska or American out of SFO, we'll typically go to Larkin,", "Creek, happy to have a burger or tacos.", "If you're out of some other airports like Portland, you might not have a choice", "because eat options are the only options.", "In their case, as of filming, they don't have any lounges.", "For Seattle, you have both options,", "but I would personally rather go to Brewtop Social and get some food.", "The Po'boy, the steak dip sandwich, fish and chips and brisket burger all sound great.", "If you're looking to eat, it's probably going to be a lot better than the club SEA.", "In contrast, the Chase Sapphire Reserves Priority Pass lets you go into restaurants", "and also lounges.", "I'd strongly recommend checking Priority Pass for the airport that you're based", "out of and the one that you fly most often to.", "No right answer here, but I don't want you to get a card where you can't even use", "the features. Number seven is going to be price inflation via the portal.", "And this is especially true for large chain hotels.", "To be fair, you do run into the same issue", "for Chase, Expedia and pretty much any other portal.", "Typically, you're looking at a five to 15 percent premium, depending on the hotel.", "In that case, if you are looking to book hotels and you want to use that $300 travel", "credit,", "it's going to be worth $255, $270 or $285, depending on that discount.", "The reason being that most hotels offer discounts for their members.", "We're not even talking about hotel status,", "more so even just having an account so you can easily sign up right now.", "For example, Alila Maldives is something that we were looking to visit soon.", "And if you look at the cash prices, $840 to $850 is pretty standard for a normal room.", "If you go to Expedia or any of these other sites, it's $850.", "If you go to the Hyatt site and you're not logged in, it's still $850 for the base", "room. If you're willing to make an account and log in, then it's only $765.", "That's an $85 difference on an $850 rate.", "So 10 percent. Even though Capital One has", "a price match guarantee, it's only for available rates to the general public.", "For example, this means that rates that do", "not require the customer to log in or have a special membership.", "And to be fair, this isn't Capital One's fault.", "This is more so how hotels are fighting against third party booking portals like", "Expedia, Orbitz, Priceline, Chase or Capital One.", "For non-chain hotels, it tends to be a lot better.", "For flights,", "it tends to be a bit closer, but you still do want to shop around.", "Or use an aggregator like Google flights that will lead you to the best path.", "This ties into number eight, multipliers.", "Even though you might be getting 10x points back for this, as mentioned,", "you might be paying 10 percent more. If you care about aspirational travel and", "you're looking to transfer your points out to partners anyways,", "then maybe that doesn't make a difference.", "In those cases, maybe 10x is really two cents per point, so 20 percent back.", "Another factor is that 2x on everything is great, but it's also just more of a", "catch all card if you have other large", "transactions for things like groceries and dining.", "That's not ideal.", "If you're willing to build a setup and add cards at the saver or saver one, then you're golden.", "Otherwise, if you're more of a one and done type of person,", "then maybe there are better cards out there.", "For example, if you don't care about the lounge perks and other travel", "protections, then the city premier isn't bad at all.", "You're getting 3x back in restaurants,", "supermarkets, gas stations, air travel and also hotels.", "$95 annual fee, but pretty easy to break even.", "Last one, number nine is going to be devaluations.", "With most cards,", "we see some form of devaluation.", "Over time, that might be the intro bonus credits perks or all of the above.", "For example, the annual fee for the Chase Sapphire Reserve went from 450 to 550.", "If you like the part of benefits that they", "added, then that was a good thing, but a lot of people weren't happy.", "In fact, we've already seen this for the", "Venture X where they nerfed the party pass card.", "If your goal is a forever card,", "then devaluations are a pretty good reason to maybe not get this one.", "This is a pretty good card, maybe even too good.", "And I see a devaluation coming in the next five years.", "For most of us,", "I think it's a non-issue.", "Because we're used to being cowboys and hurting multiple cards.", "If they make a change we don't like,", "we can just downgrade and maybe move to a different system.", "At the same time, this might also be an argument to get the card.", "Main takeaway, enjoy the perks while you can.", "Again, if you want to learn about cards,", "we have links on the website, AskSebi.com and also down below in the description box.", "If you made it to this point of video,", "then leave a cowboy emoji in the comments down below and I'll try to heart it", "and also respond. My question for you is, what are your thoughts on the Venture X card?", "Also kind of curious what your", "thoughts were going in and maybe having the card now and if you're looking to leave.", "Let me know and everyone else know in the comments down below.", "Big favor, give us a thumbs up.", "Consider subscribing, but otherwise." ]

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[ "The dollar-yen pair traded sideways in the last session. The MACD is giving a negative signal. The Bitcoin dipped to slight 0.2% against the dollar in the last session. The ROC's negative signal is in line with the overall technical analysis. The Aussie dipped to slight 0.1% against the dollar in the last session. The RSI is giving a positive signal.", "The oil-dollar pair gained 0.6% in the last session after rising as much as 1.7% during the session. The MACD is giving a negative signal.", "Thank you for your insightful trading ideas. Moving on to world headlines.", "Bank of France head François-Villaroy de Gaulle, a governing council member of the European Central Bank, said that spike in oil and fuel prices did not change the ECB's objective to bring inflation back towards 2% by 2025.", "The Canadian dollar edged lower against its US counterpart to end last week but held on to a weekly gain as higher oil prices and the prospect of additional Bank of Canada interest rate hikes increased.", "Offset preliminary data showing that retail sales fell in August.", "Oil production cuts by Russia and the OPEC have helped push Brent crude prices up some 10% over the past month to roughly $93 per barrel.", "JP Morgan's head of EMEA Energy Equity Research fears it's just the beginning of an era of higher prices.", "And now, let's review today's major economic events.", "The US Chicago Fed National Activity Index will be released at 12.30 GMT.", "The U.S. Dallas Fed Manufacturing Business Index at 1430 GMT", "The U.S. 3-Month Bill Auction at 1530 GMT", "Germany's IFO Business Climate will be released at 0800 hours GMT", "Germany's IFO Current Assessment at 0800 hours GMT", "Germany's IFO Expectations at 0800 hours GMT", "We hope that you've enjoyed today's Market Outlook.", "On behalf of all of us here, we wish you a productive trading day.", "Thank you." ]

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[ "Step 1, learn the basics.", "But be patient, don't rush the process.", "And then decide what kind of trading strategy do you want.", "Do you want to be a long-term or short-term trader?", "Then open a brokerage account and make sure you start small.", "Don't use your grandmother's life savings.", "And of course, never stop learning." ]

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[ "You know what I hate about fucking banking? It reduces people to numbers.", "Here's a number, every 1% unemployment goes up, 40,000 people die. Did you know that?", "No.", "Did you know that?", "No, I didn't know that.", "We're just excited.", "Just don't fucking dance.", "Alright." ]

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

[ "पर इसका ये UPI स्कैम बहुत तेज़े से बढ़ रहा है", "ओरे मामा मेरे UPI पर 10,000 रुपे आई किसी के", "क्या? 10,000?", "प्लीज आप भी बेशता हूँ बिचारा", "अबे ओ तु जो कोई भी हो मैं ये पैसे तुझे नहीं बेशने माला", "सर मैं आपकी कंप्लेंट पॉलिस टेशन में कर दूँगा", "आजा फिर उदर ही देख लूँगा तुझे", "बाम आप पैसी इंसान हो यार बिचारी के मां की इलज की पैसी थी है", "अरे भाँजे ये स्क्याम है जिसमें ये खुछ से तुम्हे पैसे बैशते है", "बाद में एक लिंक बेशकर तुम्हे उस लिंक से पैसे रिफ़ंड करने की मांग करते है", "और अगर तुमने उस link से उन्हें पैसे भेजे", "तो तुमारी पूरी bank की details उनके पास चली जाती है", "जाने मेरा bank account खाली होती होती बच गया", "पर इतना सब आपको कैसे पता", "money matrix संकित को follow करने से", "smartness तो बढ़ जाती है" ]

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[ "अब कितना transfer करना है? 2-2.5 lakh तक अब अपना transfer कर सकते हो जिससे कि HOF का भी tax नहीं बनेगा और आपका भी अच्छा-अच्छा tax कम हो जाएगा. Thank you." ]

[ 0 ]

[ "तो बैंक कैशियर मुझसे कैश लेने के बाद", "बैंक के सिस्टम में मेरे अकॉंट के अगेंस्ट", "एक लाख रुपे की क्रेडिट एंट्रि करेगा", "और जो कैश मैंने कैशियर को दिया है", "वो उस cash को bank treasury में रख देगा", "लेकिन उडीसा में ICICI bank के cashier और deputy branch manager ने मिलकर", "1.85 crore रुपे का fraud कर दिया", "अब जो भी customer bank में cash जमा करने आता", "ये cashier उससे cash ले लेता था", "और bank के system में लिये होए cash की entry भी कर देता था", "लेकिन उस cash को bank की treasury में रखने की बजाए", "अपने साथ घर ले जाता था", "ऐसा करके धीरे धीरे इन तीन employees ने", "1.85 crore रुपे अपने घर में जमा कर लिये", "और फिर bank से resign कर दिया", "लेकिन कुछ time बाद bank audit में जैसे ही cash mismatch मिला", "तो bank staff ने police complaint करवाई", "और finally police ने बड़ी मशकत के साथ", "इन fraudsters को arrest कर लिया" ]

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[ "My name is Diego and today we're going to be doing a video review on the", "Dot card. Yeah, you like that huh? You like this too?", "Cool wallet", "flips open with the lever", "That's for another video. Thanks so much for watching and without any further ado. Let's jump right into the video", "Alright everybody, so these are dot business cards pretty much", "What they are is kind of the future future of business cards", "You know normally you would buy business cards in like bulk a bunch of little itty-bitty paper ones that have your name", "number email address", "Whatever you know and but the thing is that you know you buy a lot", "I don't even know how much they are but I know that they're not very cheap", "Especially when you buy a bunch of them and you give them to somebody", "You know", ", more often than not those that person is probably just gonna end up throwing it away or just", "Dropping on the ground somewhere nearby just because they were just being nice to you. So this", "Honestly eliminates that issue because the purpose of this is that you have one single card that you", "use for everybody", "Let me let me explain. So what it is is essentially you take this card and", "you tap it just on the top of the back of your iPhone and", "Automatically a link will pop up for from Safari and will direct you directly to your", "Account your dot account and which essentially will have all your social media your contact information", "Whatever you put into it. It's all gonna be there. So it's super cool. It's super epic", "very very seamless and", "Honestly, the thing is is that everybody has a smartphone these days?", "So basically this little guy is super useful. I'm just busted out", "I mean feel super slick super smooth, you know busted it boom. There it is", "Everybody has all all your accounts just so they can go and check out your pages, you know", "And so yeah, so I'm gonna show you right here my", "Account. So basically, yeah, I got my YouTube. I got my insta my tick tock and my Twitter", "Probably add a couple other things here and there. I actually had a little issue with integrating", "my youtube channel because there are times when you make a channel and and", "Someone else has the exact same name. So then it links it to that name because it's asking for the YouTube channel name", "But email support and they actually told me to take the end part of the URL code from your YouTube channel page", "put that into the name section of the YouTube link and", "Then it is there which is why you don't see my name right there. It just shows a very weird link. Hope that helps", "For anybody who's gonna have struggle with that again, if you guys have any like issues, let me know", "I might be able to help essentially", "It's just an easy way to get more subscribers more followers more likes all that jazz, you know, you name it", "Super cool super versatile very easy", "Okay", "One card does it all it comes in a couple different colors, you know blue green yellow and a couple others", "It also comes it actually have it pictured right here. It comes with these", "You can actually get these individually. You can either opt in for a card or", "For one of these guys as you can see it shows their selection of colors right there", "I think that's actually all of them right there", "But it comes with a price of twenty dollars for each card or one of these little guys", "These little guys have the exact same function as the card", "The only difference is you probably put this on your phone yours and you just kind of stick your phone next to another phone", "Dot card, you know, you just whip it out", "Of your wallet, I think it looks more professional but up to you", "So with that being said super amazing product got it in the mail real fast actually to it said it take like two three weeks", "That actually got in my house like literally like five days also for all you Android users out there", "You're not left out is the fact that the backside has a QR code and this QR code", "You can literally scan with any smartphone camera now and it will literally take you exactly to that same", "Link I actually have one last thing to say I have a 10% off code", "I", "love dot", "If y'all whoever wants this first come first serve 10% off your dot card save yourself a couple bucks", "Really? Hope you guys got some insight on this. I hope you guys enjoyed the video", "Don't forget to Like comment and subscribe leave a comment down below in the comment section for any questions or comments", "You may have also if you can leave me one of these", "That would be very very appreciated", "It always helps these videos get out to other people like yourself", "And if you want more content like this, don't forget to subscribe", "I'll definitely be trying to do more review videos for other products here and there and", "Have a good one everybody" ]

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[ "Hi bank, I would like to deposit my money.", "Thank you, sir.", "And in exchange, we will give you 0.0000001% interest.", "Here's how you can save money sometime in 2023.", "Hi bank, I would like to deposit my money.", "Oh, uh, thanks.", "And...", "And we can give you some interest.", "And how much would that be?", "Probably something over 4%.", "Booyah!", "Music to my ears.", "That's right, folks.", "For the first time in my recent memory, honestly, my lifetime,", "it's, dare I say, fashionable.", "In fact, even economical to put money into a savings account.", "Now, the actual mechanics of the why is way too long and way too boring for this video.", "All you need to know is there are some great places to park your money", "to get some sweet, sweet yield, aka interest, aka more free money for your money.", "So in today's video,", "we are going over the top six bank accounts of 2023 quarter three.", "And I'd be remiss to not address kind of the elephant in the room when it comes to bank accounts in that,", "yeah, we had some banking issues earlier in the year.", "And so because of that, I want to set two ground rules for all of the bank accounts we're going to talk about today.", "One, all of them are going to be FDIC insured, meaning if the bank were to go belly up, you would be covered for at least $250,000.", "The second ground rule is that I have either had,", "I currently have,", "or I would personally myself open the bank account I talk about.", "With that out of the way, let's dive into the top six and be sure to stick around though,", "because the last bonus account we have is one that actually trumps all of these.", "It just requires a little bit more legwork.", "Coming in number six, we have Ally Bank.", "The requirements to opening a high yield savings account with Ally.", "Well, there's no monthly maintenance fees and there's no minimum, so there really aren't a whole ton.", "Features.", "Ally Bank actually has a ton of features packed into their high yield savings account.", "The one that I think is the most important is the features.", "where basically you have a savings account and then you can designate out different buckets and areas that you want to save.", "For example, if you want to save for a wedding, if you want to save for a car,", "you want to save for a down payment, you can actually specify that out.", "So it's a little bit easier to organize where your savings are, as opposed to just having a broad savings bucket.", "Now onto the interest rate currently offered by Ally Bank.", "That is at a whopping 4%.", "My general comments and recommendations.", "Personally, I've been banking with Ally since my college days.", "They were one of the very first online banks.", "And so what that meant was they had very, very good savings.", "They had very low fees because they didn't have brick and mortar locations.", "And I've generally been a customer since.", "Coming in at number five, we have American Express with their high yield savings account.", "And this one's a unique one because I traditionally don't think of American Express as a bank.", "I think of them more as a credit card issuer, but it's great to see that they're playing in the broader banking space.", "So requirements to opening a high yield savings account with American Express.", "There's not a whole ton.", "There's no monthly maintenance fees, as well as there's no minimums to actually open an account.", "Features.", "Honestly, there weren't a whole ton.", "The one I could find out was that you can do auto deposits.", "You can deposit into the savings account, but I will give it a pass largely because it's American Express and potentially getting a banking relationship might help you out on the credit card side.", "The interest for high yield savings account with American Express also comes in at 4%.", "My comments and recommendations.", "So I personally don't have a savings account on the personal side with American Express, but I do have a checking slash banking account on the business side.", "What I like about American Express is everything gets consolidated into one.", "So I have a good amount of American Express credit cards.", "My top American Express credit card, the gold.", "I still have a platinum.", "And it's nice to see when I log in.", "All of my credit cards, as well as all of my banking, are all loaded onto one page.", "Coming in at number four, we have Citi.", "The requirements to open a high-yield savings account with Citi are kind of annoying, to be perfectly honest.", "And here's what I mean by that.", "You can't just open a high-yield savings account with them.", "You actually have to pair it with one of their checking account products.", "Which, on its surface, is whatever. No big deal. You open two accounts.", "However, the checking accounts do have annoying things you have to do in order to make sure that it's fee-free.", "So I would recommend opening an access checking account by Citi so that you can get their high-yield savings account.", "And then once you have the checking account open, then you can open the savings account.", "And to make sure everything is fee-free, you have two options.", "One option is link your checking and savings account, and then all you have to do is one of the following.", "Either make one direct deposit every month, make one bill-qualifying payment every month,", "or maintain an average monthly balance of $1,500 across both accounts every month.", "However, if you don't link the two accounts, then what you would have to do is make sure you have that", "at least a minimum of $500 a month in your savings account.", "Arguably, it's annoying, but I think it's okay because of this feature that Citi has.", "So Citi, across all the banks I'm going to talk about today, is probably going to be the one with the largest global footprint.", "And way back in the day, when Viv and I were still dating between Boston and Sydney, we would go on trips together, right?", "So one person would pay, someone else would pay, and we'd pay each other back.", "Really annoying when it's cross-borders.", "However, I had a Citi Bank account in the US, she had a Citi Bank account in Australia,", "and that was the easiest way to do global savings.", "And I think that's why Citi is so popular.", "Citi is a global bank, and it's a global bank that's going to be able to do global transfers fee-free and pretty quickly.", "So because of that global footprint, I really, really like Citi.", "Because you could have multiple bank accounts, I guess, in multiple countries, or if you're friends in other countries,", "they may likely have a Citi account.", "It's very easy to do these type of transfers.", "They're called Citi Global Transfers.", "And the interest rate for the Citi high-yield savings account is 4.05%.", "Coming in at number three, we have Capital One, with a high-yield savings account that has an interest rate of 4.15%.", "No monthly maintenance fee, no minimums, features.", "This is just a pretty plain-Jane high-yield savings account.", "The one thing to call out is Capital One does have a good amount of starter credit cards,", "namely in the form of the Saver One, as well as the Quicksilver.", "And so there could be some good pairings there.", "Similar to American Express, I like having a view of all of my banking in one place, with credit cards, checkings, as well as savings.", "Comments and recommendations?", "Honestly, this is a really good middle-of-the-road high-yield savings account.", "Decent interest rate, decent other product offerings, but there's not a whole ton of bells and whistles.", "in terms of what it's going to pack in there for you.", "Coming in at number two, making a jump now, is Citi Bank, with a high-yield savings account that gives you an interest rate of 4.95%.", "Requirements to opening this account.", "There's no requirements necessarily, but you're going to have to do some legwork to get the high-interest yield.", "So there's no monthly maintenance fee, which is great, but in order to get the 4.95% interest, you need to have a balance of at least $5,000 or more.", "If you have less than $5,000, you're only going to get $0.25.", "In addition, you need $100 minimum to open this account.", "Features?", "Not a whole ton that I could find.", "My comments and recommendations?", "4.95% all day.", "The other thing to note is Citi is actually a division of First Citizens Bank.", "Persistent Bank are the ones that actually came in and swooped up Silicon Valley Bank when they went belly up.", "So I guess by proxy, if they're healthy enough to go buy out another bank, then they must be doing pretty well themselves.", "So I have no worries.", "Again, like I said earlier, all deposits are FDIC insured.", "And comments?", "No.", "Coming in at number one with a whopping interest rate of 5.1% is a high-yield savings account from Western Alliance Bank.", "Probably thinking, I've literally never heard of that bank.", "That's right.", "Because they are not really a consumer bank.", "They're more of a business bank.", "If you go on their website right now, it's actually pretty difficult to find what their consumer offerings are.", "So you're then probably thinking, then how do I open this account?", "Great question.", "Well, for one, you need at least a dollar minimum to open it, and there's no monthly maintenance fees.", "But what's unique about Western Alliance Bank is you actually get to their account using, I guess, a platform that offers these banking services to the masses like us.", "I know it's a little bit weird, but since they're FDIC insured, I have no problem with them.", "And if you'd like to support my channel, you can feel free to go use my affiliate link down below to check them out or any of the banks that we talked about today.", "But regardless, what it is is it's actually called the Western Alliance Savings Bank Powered by Raisin, which is this, I guess, platform or marketplace that offers banking solutions to a lot of people.", "And I guess part of the reason why Western Alliance Bank is able to offer such an aggressive interest rate is they're not really spending any money on marketing.", "As you can see, if you go to the website, you can't even find a personal banking section.", "It's all just commercial banking.", "And so because of that, their marketing spend, I guess, they're saving and rolling it into a much more aggressive interest rate for their end customers.", "So my comments, recommendations, honestly, I would jump on it.", "They're FDIC insured, and so I don't see any particular downside.", "Of course, if you have over $250,000, you might be a little bit wary.", "But just because a bank doesn't necessarily have a FDIC insurance, it doesn't mean that they're going to be able to offer you a lot of money.", "Cool. So that wraps it for the top six bank accounts for 2023 Q3.", "My one additional comment for all these bank accounts is the minute that that interest rate drops or doesn't make sense for you, move on.", "Do not get attached at the hip to one bank.", "In fact, that's how you end up at, say, a Bank of America getting .00001%.", "Because they're so large, because you started with them in high school, you had them through college, you might have gotten a credit card or two from them.", "You think you need to stay with them.", "You don't.", "And that's my whole thing when it comes to banks and credit cards.", "The minute there is no value, move on to the next one.", "The minute there's better value, go to that one.", "So that said, here's one method that trumps all of these.", "And this can actually scoop you an interest rate of well over 5.3, touching 5.4%.", "And that is just loaning money to the government, specifically in the form of Treasury bonds.", "Bonds, similar to savings account, are something in my lifetime that I thought was the boringest thing.", "They really didn't seem like that to me.", "I thought they were that interesting.", "However, the last year has shown us bonds can generate some pretty good returns.", "A Treasury bond, what is it?", "It's basically an IOU from the government.", "You loan them some money.", "They say, here, thank you for lending us money.", "We're going to pay you back plus interest.", "Now, the money is not FDIC insured.", "However, if the government defaults on its bonds, basically they can't pay people back, you'd have a lot more problems to worry about than just getting your money out.", "So you're backed by the faith of the US government, which honestly is probably the surest guarantee that you have out there.", "And what I love about bonds is the fact that you do not pay state income tax on the interest generated.", "I'm from Massachusetts.", "That's about 6% from us.", "Boom.", "Immediately when I compare, okay, 5% in a high-yield savings account, 5% in a bond, knowing that with a bond, the only annoying thing is your money is going to be locked up for a period of 3, 6, 9, 12 months, and it kind of goes on.", "But as long as you don't need the money, why not save on the taxes?", "So my main brokerage account is Charles Schwab.", "So I would actually go in and I would buy the bonds from the secondary market.", "And right now, a 6% is there.", "But this is only at the lower Vlogs.", "So you'd have to look at the numbers.", "Wait a second.", "Forget about that.", "Is that about nearly?", "accounts might change but let me know in the comment section down below what videos you'd", "like to see from me next i've got a couple ideas we want to talk about real estate obviously we've", "got credit cards but i do definitely want to grow and expand out into other areas until then though", "i will catch you all on the next video peace" ]

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[ "So let's go to loans because, yes, SCOTUS sucks.", "We have a horrible Supreme Court right now.", "It never should have come to that.", "Are people going to focus on the fact that in the debt ceiling negotiations,", "which were completely unnecessary, they did not have to happen,", "happened, Democrats with the majority could have codified into law a massive debt ceiling", "that they know that they're never going to go over in the next 20 years.", "So we never needed to have this, that the government would always be fully funded.", "They decided not to do it.", "Their reason, Dick Durbin said this, was we're too busy.", "We have other things to do.", "This is the most important thing.", "Then why does that matter?", "Because in the debt ceiling negotiations, Joe Biden bargained away the student debt pause,", "knowing full well the Supreme Court may overturn it.", "So now he can't even say, listen, I don't agree with the court's ruling.", "It's horrible.", "But I'm going to extend the pause to the end of my presidency.", "And if you reelect me, I'm going to keep extending it.", "That's six years.", "He could do it.", "Or even now.", "Or even now, he could say, pay student loans, but no interest.", "Right.", "At bare minimum.", "Do both those things.", "He could have done that.", "It was in his power not to bargain that away.", "Why does this matter?", "Or should it?", "Or could it matter to Black voters?", "Because Black Americans are more likely to drop out of a four-year college,", "because of cost.", "They can't afford it.", "Because whether it's books or living or whatever,", "these are widely, widely presented statistics.", "It affects women.", "It affects marginalized populations like Black Americans.", "So he could have done it." ]

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[ "हरिस्ता नहीं काता है", "फिर आदमी आपका höज़ा नहीं कके वकलम खाएगी", "मानें कि खाए, तब मैं सुधान ध्यवाद जाऊंगा", "रूप में वहां पर रिपोर्ट रीपन आर ई री एप यू एप यू एंडी रिपंड एक अजार एक सो 1100 और एक बार गैप दीजिए", "मैं इस तो उसको में इंटर एमोंट हां इंटर है कि इंटर बैलों को ड्यूबर ऐड नंबर दिया 1848", "नाइक सिक्स अफ ओर एडिट मैन सिक्स ट्री निकली आ रहा है दो क्लिक्ट नहीं आ रहा है तो सिंगलित आरहत लिखा", "आ रहा है अगर यह अगर सेंड करूंगा तो मेरे खाते में से 48000 कट जाएगा ना सर वह तो चलो वहां पर तो कुछ भी", "नहीं सर यह तो कटेगा सच शौरू में पक्का कटेगा यह तो एमांट है आपका एक ऑन से नहीं कटेगा सर यह", "कस्टमर केयर नंबर सर आप गूगल से नंबर निकाल के फोन पर कस्टमर केयर में पॉल किए हैं थे हां", "लेकिन इस विभेज इस पॉइंट कर लेगा लेकिन सर में अभी विध्यवाद देंगे विप्ली के बाद आपको यूपी आई", "पिन का ऑप्शन आएगा यूपी आई पिन डाल करेंगे उसके बाद वहां पर आपको दो आपका ऐड एक रिफेंड निकार यह और एक", "लिखा रहेगा तो आपको कैंसल में क्लिक नहीं करना हो अपने अपने पैसा ट्रांसफर करता हूं तो उसको भी तो ऐसा", "ही सेम प्रोसेस ही तो एसेम टू सेम लिखें तो जब आप यह प्रिंट डालेंगे तो वहां पर आपको दो ऑप्शन खुल जाएगा", "एक रिफर्न और एक टैप्स तो आप उस टाइम आप रिफर्न में क्लिक कर देंगे तो बैलेंस आपका जो कट हुआ है 1100 वह", "बैलेंस आपका रिफर्न होगा से इसके लिए डोंट वरी सर कोई प्रॉब्लम नहीं आपका कोई भी अमोंट आपका एकउन से कटेगा", "है जैसे पर पक्का नहीं कटेगा कि कोई जैसे बैलेंस कर दो तो फिर इन पार्ट दिपट गार्म नहीं है अगर एक टाउट आपको", "निकाल करने के लिए और परमेंट कर जाएगा अगर परमेंट कर जाएगा तो फोन पर फोन चलाएगा सर बहुत में तो एक बहुत", "गरीब आदमी अगर कट गया तो इतना मेनच से कमाए हुआ पैसा कट गया तो तो कोई भी अमोन कटेगा नहीं जो", "फोन एक 9 सिक्स री लिखे हैं सर वो बैलेंस डिफ़ोन होने का वह तीवार आइडी नंबर है इसके लिए आइड वेरी सर कोई भी", "फिर भी सर डर लग रहा है सेंट करूंगा यूपी ऐड आप पीन आएगा यूपी ऐड डाल करेंगे तो आपको यहां पर दो ऑप्शन", "आएगा एक रिफल लिखा और एक कैंसल लिखा तो आप ओडली रिफल में टैस कर देंगे सर आप अपने क्लिक कीजिए सेंट", "कि शेयर प्लीज सर प्लीज नहीं स्वाब दोल न आप थे ने कि पहली आप समझ जाना विग में्स बरोसा में तो नहीं होगा", "संदर दूं ना सर क्लिक कीजिए चैनल कर देगा ना पक्का बहुत बहुत", "हैं हैं होके सब चढ़ देर सरए ऐसे मिनट क्यों न सारा अगर मैं दोस्तों पैसा ट्रांसफर करता हूं तो सामें", "प्रोसेस साही पैसा ट्रांसफर होता ऐसा को इस प्रोसेस इस तरह हैगा लेकिन आधे हाफ आप लिए पिन डालेंगे तो आपको", "आपको लिखा जाएगा तो आप लिखा देना है ओके नहीं होगा सर पर सब्सक्राइब कर दे जाएगा तो आपने समझ रहे हैं", "पूरी चैनल करने की दिवारा प्रदर्श्य तरह में पूरी चैनल की तरह में सेलेक्ट के लिए आपसे खत्म करें और आपके विधीयों को प्रदर्श्य ने खत्म करें", "सर्वर्थ ओके आवर रिकॉर्ड हो रहा है बोल मेरा बॉइस रिकॉर्ड हो रहा है ना अभी कंपनी में तो आपने मां का कसम", "खा लिया तो वह रिकॉर्ड मुझे सेंड कर देना बाद में अब सर दबा दूं दबा दिया लोड और आफ फॉर सिगरोटी रीजन यू", "आर नोट एलॉट टो सेंड मनी फ्रॉम यूर एकाउंट नंबर फॉर दिस पेमेंट बोलकर आ रहे हैं यू सेंड क्लिक उसके बाद", "मैं पूरा पढ़कर सुनाता आप सुन लेना आप सेंड क्लिक करने के बाद वहां पर क्या ऑप्शन अभी आए से आ यह क्लिक करने", "के बाद फॉर सिगरोटी रीजन यू आर नोट एलॉट टो सेंड मनी फॉर यूर एक बैंक एकाउंट फॉर दिस पेमेंट नोट यू", "डोन्ट हैव टो एंटर यूर यूपीआई पिन टो रिसीप मनी केस बैक बोल रहा है सर आप तो क्लियर लिखा है कि यू डोन", "पर आ रहा है उसको क्लिक करके देखो अभी चैनल पर शैंड आर रेस्ट दबा दूं लेकिन सर इधर ऐसा आ रहती अरे", "सेमा रॉजर हुआ था आप पर सिगरोटी रीजन यू आर नोट एलॉट टो सेंड मनी ऐसा आ रहा है अब आपको नंबर बोलेट सर्वाप्त", "आपका नंबर है यही है सर जो नंबर है यही नंबर है हां सर तो सर अभी बेग बैक चला जाओ ओके", "बैक चला गया था तू कॉन्टेक्ट टू कॉन्टेक्ट हां पहले पहले हम लोग टू कॉन्टेक्ट पर गए थे टू एकाउंट पर गए थे सर", "ओके ठीक है हां अ", "अजय को", "कर दो", "सर्च एनी मोबाइल नंबर बोल गया रहा है वहां तो नहीं कुछ करना नहीं आए यह ओके अ", "कर दो", "हां बोलिए सर थे ज़िस्ट अब आप पूरा टू कॉन्टेक्ट तभी दोबारा क्लिक कीजिए हां यहां पर राना यहां पर एक नाम", "से", "कुछ करो यह ओटोमेटिक कैसे आ गया सर और सब्सक्राइब करें कि यह आपने सेंड किया है नियुक्त कर लिया", "यहां पर यह आपका यह जो सेंड किया तो उस नाम से खोल किया गया एंड यहां पर रिपण 1100 रिफर्न आईडी कोट दिखा रहा है", "फॉर एट नाइन सिक्स ट्री एंड रिफर्न आईडी कोड लीजिए फॉर एट नाइन सिक्स यह नाइन सिक्स यह आप लेकिन सर मैंने जब दोस्तों", "ट्रांस पर किया था सेम प्रोसेस ऐसा ही आया था सेम", "ट्वेपिन नहीं कटेगा ना पैसा तो सर यह तरह यह पैसा नहीं कटया बहुत नाराज से बात करने चला गंध होगा", "कि क्यों करें एकी बार बार बहुत चाहिए आपको कि सर आफ कास्टमकारों आगे आप नाराज होगे हैं लोगों", "बाकी लोग भी तो होंगे ना सर कस्टम आप आप अकेले हो क्या आप पहले इतने नाराज से बात कर पहले बोलिए नहीं तो नहीं", "कालूंगा मैं कि शरीर पूरा को चरा पिछले नाराज से क्यों बात करें आप तो कस्टम करें आपको तो प्यार से बात", "करना चाहिए कि आप इन सटर्ट करेंगे वह दो अपना जाएगा आप रिपांट में क्लिक कर दीजिएगा ओके यूपी अपने डाल रहा", "हेलो सुनो ना हुआ है कि अधिक्षा क्यों रहे हैं शनना हेलो मैंने क्या परेशान कर दिया इसको इसका इतना", "ज्यादा टाइम मैंने वेस्ट कर दिया बहुत गुस्सा हो गया सूधी आप लोगों ने एक तरीके से यह लोगों का पैसा नहीं", "गया तो दूसरा और एक तरीका यह लोगों ने निकाला है बिल्कुल एक नए तरीका निकाल ले लोगोंने लोगों के", "साथ फहात करने के लिए हैं तो आपको वीडियो अच्छा लगा � church करें कि यहां पर देख सकते हैं यहां पर", "automatic सेंट के रिफर्न 1100 बोलकर सो जिन लोगों को पता नहीं कि फोन पे से कैसे फ्रॉट होता है तो उन लोगों", "के साथ फ्रॉट हो सकता है तो आई होप आप वीडियो को सेयर कर दोगे वीडियो अच्छा लगता वीडियो को लाइक करना", "झाल" ]

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[ "अब कल मैंने दुकान से 18 रुपे का समान खरीदा और छुटे नहीं थे तो मैंने सीधा उसकी मशीन पर फोन टैप करके Payment कर दी", "शॉपकीपर भी हैरान हो गया", "इसके लिए आपने जीपे की प्रोफाइल पर जाना है और फिर यहां से अपना कार्ड आड़ कर लेना है", "और आप सिर्फ टैप और पे कर सकते हो कोई OTP या पिंट डालने की ज़रूरत ही नहीं है", "और यह सभी NFC वाले Android फोन्स में काम करता है", "यह अपने दोस्तों के साथ खाने पीने जाते हो तो सिर्फ आपको बिल नहीं पे करना पड़ेगा", "जैसे यह देखो मैंने 300 रुपे एंटर किये और यह हम तीनों में इक्वली स्प्लिट हो गया", "और वो पैसे ना देते हैं तो यहां से पेमेंट रिवाइंडर भी सेंड कर सकते हो", "और हाँ अगर आपने अपनी एक्स को हर जगा से ब्लॉक कर दिया पर वो इतनी डेस्पिरिट है कि आपको जी पे पर भी मैसेज कर रही है", "और अगर आपको जी पे पर भी मैसेज कर रही है कि आपको जी पे पर भी मैसेज कर रही है" ]

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[ "So first, let's talk about that annual fee.", "So $395, but they give you a couple things that make up for it.", "Number one, a $300 statement credit for travel-related purchases", "if you book that travel through Capital One's travel portal.", "They also give you every single year 10,000 anniversary miles,", "so you're basically getting the credit card for almost free.", "Number two, let's talk about the spending.", "So when you spend money on this card, everything you buy, you're getting two miles back.", "If you're buying specific things related to travel,", "then you're getting anywhere from five to 10 miles back on your purchase.", "The third thing is their welcome offer.", "Right now, they're giving you 75,000 miles", "if you spend $4,000 in three months after opening up the card.", "I would say this is about average to what you'd expect", "if you compare it to cards like the Chase Sapphire Preferred", "or the American Express Gold card.", "So I wouldn't suggest this being your only travel card,", "but in general, I think the Capital One Venture X is a solid card to get." ]

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[ "छोटी से पड़ेट जरूरतों के लिए यूपीआई से लेंदेन कर रहे हैं लेकिन कई बार ऐसा होता है कि हमें पेमेंट", "पर और भेजनी होती है और गलती से किसी दूसरी यूपीआई डीव पर ट्रांजेक्शन हो जाता है और पैसे उसके अकाउंट में", "चले जाते हैं लेकिन अब इसमें घबराने वाली जरूरत बिल्कुल भी नहीं है क्योंकि आपको यह आपका पैसा वापस मिल सकता", "है इसके लिए सबसे पहले आपको नेशनल पेमेंट कॉर्परेशन ऑफ इंडिया की वेबसाइट एंसीपी डॉट ओर जी डॉट इनको ओपन", "कर लेना है इसके बाद लेफ्ट टॉप कॉर्नर पर क्लिक करना है व्हाट वी डू के अंडर यूपी पर क्लिक करना है इसके", "बाद अपनी जितनी भी ट्रांजेक्शन डिटेल्स है इनको फिल अप करके संभित कर देना है 24 से 48 घंटे के अंदर आर्विया", "आपका पूरा पैसा वापस कर देगी है" ]

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[ "झाल", "कि स्वागत है आप सबका एक नए टेक वीडियो में और आज साइबर फ्रॉड के बारे में कुछ बातें करेंगे साइबर", "फ्रॉड तर तेजी से बढ़ रहा है और यह नया मामला नहीं है पिछले 10 सालों से साइबर फ्रॉड हर दिन बढ़ रहा", "तो साइबर फ्रॉड में होता क्या है?", "बेसिकली जामताला सीरीज देखी होगी तो थोड़ा बहुत आप अवेर होंगे इस चीज को ले करके", "बट हम उसकी बातें नहीं करेंगे", "तो साइबर फ्रॉड में ज़्यादातर नुकसान है सा होता है कि बैंक अकांट से पैसे कट जाते हैं", "वो चाहे पेटियम के थरू कटे हैं फोन पे के थरू कटे हैं या फिर डिरेक्ट अकाउंट से कटे हैं", "तो ट्रैप में आने के बहुत सारे तरीके होते हैं, ट्रैप में लाने के, साइबर फ्रॉड, फ्रॉटस्टर जो हैं, वो हर दिन नेने स्कैम ढूंढते हैं, फर एग्जांपल OTP वाला स्कैम काफी पुराना हो गया, बीमेल वाला स्कैम चल रहा है, सेक्स्टॉर्शन वाला स", "स्कैम है और गलत तरीके से चैट किसी और, फेसबुक के आईडी से करके स्कैम किया जा रहा है, तो चाहे स्कैम जिस तरीके का भी हो, अचली जादा स्कैम हो रहा है, आजकल क्या करेंगे?", "क्योंकि हफ्ते में लगबग एक दो दिन ऐसा होता ही होता है", "कि कोई ना कोई मेरे पास फोन करके कहता है", "कि मेरे अकाउंट से इतने पैसे कट गए", "अब क्या करें आगे का क्या प्रोसेस है", "तो प्रोसेस जो है वो RBI के गाइडलाइन के", "अकॉर्डिंग अगर आप फॉलो करेंगे", "तो जादा चांसेस है कि पैसा आपको पूरा का पूरा वापस मिल जाए", "कई बार पैसा नहीं भी मिलता है ऐसा भी देखा गया है", "तो पूरा पैसा वापस लाने के लिए क्या कर सकते हैं", "सबसे पहले अगर आपको जैसे पता चला कि आपके अकाउंट से पैसा कट गया है", "दो दिन के अंदर", "इंस्फैक्ट आपको दो दिन का वेट नहीं करना है", "क्योंकि गाइडलाइन कहती है कि तीन दिन के अंदर आपको कंप्लेइन करना है", "तो आप immediately bank से बात करें और bank से कहें कि मेरा इसमें कोई हाथ नहीं है और पैसा कट चुका है", "मेरे साथ fraud हो गया है तो bank उस आपके complaint को register करेगा", "एक helpline number भी है helpline number नीचे आप देख पा रहे होंगे", "उस number पे आपको call करना है और call करके सारी details आपको वहाँ देनी है आपके साथ जो भी हुआ", "उसके बाद एक ticket generate हो करके आपको मिलेगा number ticket number मिलेगा", "उसको नीचे दी गई website आप जो देख पा रहे हैं उस website पर जा करके उसको enter करना है", "यानि register करना है और आपकी अपनी details डालनी है उसके बाद आपको 7-10 दिन का wait करना है उसके बाद पैसा आ जाएगा", "ये standard process है और मैंने भी आजमाया है कई लोगों ने मेरे से पूछा था तो मैंने उन्हें बताया और वो पैसा वापस पा चुके हैं", "लेकिन एक बार फिर से बता दूं कि अगर आप थोड़ी सी भी गलती करेंगे आप कुछ जानकारी बैंक को गलत देंगे कि कई बार panic में हो करके लोग बैंक को गलत जानकारी दे देते हैं या फिर जो portal में भरना कुछ होता है कुछ और डाल देते हैं क्योंकि कई सारी ची�", "जब fraud आपके साथ होता है तो ज़्यादा तर टाइम गलती आपकी होती है आप किसी को OTP दे चुके होते हैं या फिर आपका password कोई जान रहा होता है या फिर आप किसी और किसी scam में फस चुके होते हैं जिस वज़े से आपका आपके account से पैसा कटता है तो इस वज़े से आप", "कुछ चीजें ऐसी भी है छोटी सी चीज ऐसी है जो करके आप इस प्रोसेस से बच सकते हैं और पैसा भी बच सकता है यानि आपका fraud होगा ही नहीं तो कुछ चीजें बिल्कुल ध्यान में रखे फ़र एक्सांपल OTP आप किसी को ना बताएं क्योंकि OTP के scam ऐसा है कि OTP genuine दे", "लड़ करें और email में जो attachments आते हैं कई बार होता है कि यह आपका bank statement open करें अपना email ID डालें address डालें या फिर date of birth डालें उसके बाद open हो जाएगा तो वो भी PDF एक तरह से scam होता है क्योंकि जैसे आप open करते हैं और detail डालते हैं तो वो basically एक तरह का malware होता है जो आपकी detail को scammers के प", "पास पहुचा देता है और scammers फिर आसानी से आपको fraud का शिकार बना सकते हैं तो इस छोटी मोटी बातों का ध्यान रख करके basically आप fraud से बच सकते हैं बागी और जानकारी cyber fraud चुकी एक बहुत बड़ा topic है तो एक तीन चार मिनट के वीडियो में मेरे ख्याल से पूरा का पूर", "कुछ सवाल पूछना है या फिर किसी चीज से satisfy नहीं है मेरे बताये हुए information से तो आप comment में हमें जरूर बताएं वीडियो को like करें, share करें और हमारे channel को subscribe करें, thank you." ]

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[]

[]

[ "versions of this story.", "Often your bank is calling.", "They tell you someone has transferred", "a lot of money out of your account", "through a money app like Zelle.", "Well, this now has happened", "to a family in Aurora.", "They've lost everything now.", "Well, consumer investigator", "Jacqueline Allen got to work", "to get answers from their bank.", "Hello, this is Ryan Ryan Graham", "practices what he preaches.", "Choose happy, but for this Aurora", "music pastor sometimes having", "faith is harder than others.", "We feel pretty embarrassed", "that we were scammed.", "His wife Cassie got a call from the number", "for Chase Bank security this month.", "Somebody is trying to make", "a Zelle payment for $2000.", "No, I didn't make a payment.", "I'm going to jump in here with the", "grams don't know it yet, but that", "number is not really chased.", "This isn't new, but scammers are", "getting really good at spoofing", "or faking real numbers.", "Just because your phone tells you it's chase.", "It might not be the grams were", "suspicious, so they did the right thing.", "They called Chase Bank on another", "line to confirm the other caller was", "legit, but instead of being told to hang up,", "they were somehow reassured and they kept going.", "Did they tell you hang up the phone?", "No, they did not.", "First of all, we could barely understand them.", "It wasn't very good English.", "So it was.", "It was a little bit of a", "challenge to communicate.", "Alright, so here's the newer twist.", "The scammer then tells them they can stop.", "The Zelle transfer through a wire", "transfer reversal. That's not really a thing.", "It's just another way for the bad guys to", "convince you to transfer your money from", "your accounts to theirs, and in this case", "it was the grams life savings.", "I'm unfortunately at 35,000 was", "transferred from my business account.", "23,000 of our personal savings.", "So 58,000 altogether.", "I hadn't really let it set in that.", "Wouldn't get it back.", "They realized their mistake, but they were so scared.", "Eventually we're just told file a forgery claim, which Chase denied.", "Now, similar banking scams involving Zelle and money transfers are so rampant that", "federal lawmakers are calling for more consumer protections.", "The banks are well aware of these scams, but have done little to enhance", "Zelle's security or reimburse defrauded consumers.", "In some cases, people do quietly get their money back.", "Like when contact Denver 7 had a call with the bank and said, hey, we're going to transfer money to you.", "Something they've been trying to do over the last while, but the bank says enough is enough so the justo", "Bank would not ask customers to wire money or to send the money to anyone to prevent fraud, including to themselves.", "But the Gram say they have since gotten a call that the investigation is being escalated. We'll keep you posted, while they hope to get their money back, they still haven't bought any official property weit", "believe in a higher plan. I believe God is good and that he's gonna take care of us but I know", "this world is broken and and people get taken advantage of all the time and if we can help", "prevent that from happening again then I hope that's the story helps. Here's the takeaway you", "get a call about money it's okay to hang up look at your account yourself call the number on the", "back of your bank card and set up account alerts so you know if large amounts have been transferred", "don't let anyone scare or pressure you into doing something with your money. For Contact", "Inverse 7 I'm Jacqueline Allen." ]

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[ "है तो गाइस आपको एम पेसेज वेबसाइट पर जाना है और यहां पर आपको यूपीआई कंपलेंट वाले ऑप्शन पर क्लिक", "करना है क्लिक करने के बाद यहां पर नीचे आएंगे यहां पर आप एक ट्रांसर ऑल ऑप्शन पर क्लिक करना है क्लिक करने के", "यहां पर आपको amount इंटर करना कि इतने आपने transfer किया है", "date of transaction क्या है यह आपको", "इंटर करना है email id इंटर करना है और आपका", "mobile number और आपने जो payment किया उसका", "screenshot लेकर यहाँ पर upload करना है और simply", "आपको submit करना है कुछी दिन के अंदर आपके", "पैसे जो है वापिस मिल जाएंगे" ]

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[ "दोस्तों जैसे India Post Payment Bank के लिए IPVP mobile banking आप है", "उसी तरह post office saving account के लिए post office net banking है", "दोस्तों post office net banking में सभी post office service को आप use कर सकते हैं", "जैसे balance inquiry, transaction history, TD, RD and सभी banking service को आप manage कर सकते हैं", "और यहाँ पर आप money transfer भी कर सकते हैं", "आप अपना post office saving account से किसी दूसरे bank में भी money transfer कर सकते हैं", "लेकिन इसके लिए पहल आपको अपना post office account को net banking के लिए activate करना होगा", "और activate करने के लिए आपको nearest post office में जाना होगा", "और एक form fill up करना होगा net banking activation के लिए", "अपना account detail, aadhar card, pan card, mobile number, email id यह सब detail को देना होगा", "और यह form को fill up करके submit करना होगा", "तो 24 जंटे के अंदर आपका account net banking के लिए activate हो जाएगा", "और एसेक SMS मिलेगा", "दोस्तो यह जो net banking activation यह free of cost है", "इसके लिए कोई भी charges नहीं है", "उसके बाद post office net banking page में आईए", "net banking page का link description पे है", "link पे click करके आप इस page में आ सकते हैं", "तो इसके बाद login का page आईए", "दोस्तो पहले हमें net banking में register करना होगा", "उसके बाद login करेंगे", "तो register करने के लिए", "निचे new user activation का option है इसके उपर click कीजिए", "उसके बाद यहाँ पे", "अपना post office saving account का account number", "and customer ID आनी", "CIF ID को देके continue के उपर click कीजिए", "यह CIF ID और account number", "आपके post office saving account का passbook में मिल जाएगा", "तो आपके register mobile number पर एक OTP आएगा", "उस OTP को देके continue के उपर click कीजिए", "उसके बाद", "internet login password and transition password को देना होगा", "साइड पे यह दोनो box है उसको select कीजिए", "और दोनो password को दीजिए", "दोनो login password and transition password अलग होना चाहिए", "दोनो different password को देके", "continue के उपर click कीजिए", "पासवर्ड successfully set हो जाएगा", "अब यह आपको login करना होगा", "तो login के लिए", "user id and password चाहिए", "तो आप user id में आप अपना cif id को दीजिए", "यहाँ पर आप account number को मत दीजिए", "आपके post office saving account का cif id को दीजिए", "और नीचे जो capture code है", "उसी capture code को देके", "login के उपर click कीजिए", "फिर seaweed login password को देके", "login के उपर click कीजिए", "आपने जो तरफ से देंगे दिया था", "उसी login password को देखे", "login के उपर click कीजिए", "उसके बाद आपके register mobile number पर", "yes Οटीपी और journalists फिर से ओटीपी आएगा", "उस ओटीपी को देके", "continue के ऊपर click कीजिए", "अब यह आपको security के लिए", "नीचे दिवा कुछ question का answer देना होगा", "आपको minimum 5 question का answer देना होगा", "कोई भी 5 question का answer देके", "register के ऊपर click कीजिए", "then एसाइट पेज आएगा", "यहाँ पर आपको message यहाँ पर लिखना होगा", "यहाँ पर आपको कोई भी", "number या कोई भी letter यहाँ पर लिख सकते हैं", "यह सिर्फ account security के लिए है", "यहाँ पर कुछ भी लिख के update के ऊपर click कीजिए", "लेकिन क्या लिखा है", "आपको यह याद होना चाहिए", "future में ज़रूरत पर सकती है", "password change के लिए या account recovery के लिए", "security question की ज़रूरत पर सकती है", "फिर से password को change करना होगा", "पहले जो password दिया था", "आपको अभी new password देना होगा", "यहाँ पर पूराने password को दीजे", "और नीचे एक new password को दीजे", "और ok को ऊपर click कीजे", "उसके बाद आपका net banking account", "open हो जाएगा और आप सभी banking", "service को online use कर सकते हैं", "और आप अभी जो new password बना है", "उसको and user id को देके", "यानि cf id को देके आप account को", "login कर सकते हैं अभी पूराने password की", "कोई जरूरत नहीं है new password", "and cf id को देके आप account को", "login कर सकते हैं", "तो इस तरह आप post up इस net banking", "को activate कर सकते हैं तो यह वीडियो", "कैसा लग आपने comment पे बताएए और अच्छा लगे", "तुम्हां like, share and subscribe करना", "thank you for watching" ]

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[ "Well, did you know that your credit score is one of the most important things lenders consider", "when trying to grant you approval on a loan? Okay, so it depends on how bad your credit is.", "If you've dolled a huge hole, you might say, well, Dan, isn't one of those credit repair companies", "or credit, whatever they call themselves nowadays, isn't it worth it? I wonder if I could put into", "your hands all the, basically the tools that they're doing for you at a fraction of the cost.", "That brings me over to Smart Credit. Smart Credit basically consists of three big tools. Then there's", "a ton of stuff on the sides. Click down below and you're going to get special pricing for finding", "them through my site. And you'll be extremely happy. And if not, like I said, after a seven", "day period, you're more than welcome to pull out of it. No strings attached." ]

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[ "And last couple weeks ago, I was applying for just a personal loan just to get caught up on things.", "And I got a call back a week later, I think it was saying that I was approved for a $2,500 loan", "through Green Dot. And the only reason why I applied, you know, sent my app through them is", "because I thought, well, it's a Green Dot bank, I have a Green Dot Walmart card, you know,", "and I've been having my checks deposited there. And then he said, I'd have the money the very", "next business day. Well, actually, he said I'd have it that night, or the next morning. Well,", "nothing popped up. I couldn't find the app that or, you know, the thing on there of where I applied.", "And the next following Wednesday, I noticed I'm negative. It might", "account. I've been using it for years, I used it for my nursing. And like, a couple weeks,", "three weeks ago, I got a phone call because I was applying for a loan. And Green Dot popped up on the", "part where I applied for a loan and I asked for $2,500. And it was just the whole survey thing.", "So I was like, whatever, why end up getting a phone call? I can't remember what night it was.", "637 o'clock at night saying they were Green Dot lenders. And I was approved for a $2,500 loan,", "and my payments would be 115 at the end of the month, every month. And he asked me if I wanted", "more. And I said, No, 2500 is fine. He asked what my social security number was, he asked what my", "birthday was and everything. And told me that my payments would be 115 at the end of the month", "for 24 months, because he asked me how long I wanted to extend the payment.", "And so I was like, Okay, that sounds great. And he said, You'll have the money the very next day.", "Well, yeah, I believe it was a Wednesday night, because I ended up waiting for two days to see,", "you know, what would come up and nothing popped on my card. Well, the next following Wednesday,", "because I got paid every Wednesday for my job, they took $209 out of my account, off my card.", "And I didn't realize that until after I went and paid my cell phone bill. And I went to try to buy", "flowers at Walmart, so we can do the garden. And I was negative $119. And I was like, Oh, I'm going to", "do the garden. And I was negative $119. And I was like, Oh, I'm going to do the garden. And I was negative", "to call Green Dot, I tried to get ahold of Walmart, when they asked both of them, please enter your", "social security number, please enter your 16 digit on your card, they couldn't find me in the system.", "I was completely out of the system. They had no record of me whatsoever.", "And I don't know if it's because I canceled or reported it lost or stolen. But you would think", "just with my social security number that should have came up on their file. And they're automated", "said, we can't find you in the system, please try your card again. I after like two days, I just", "gave up because I knew that I wasn't going to get anywhere with it. Even though I had proved", "that they sent me that, but I couldn't get ahold of a customer service, nothing. And the only thing", "they would have on their website is a virtual assistant. And I was like, Oh, I can't find you in the system.", "You only asked me a single question because of your status. So basically, I just I didn't", "get any repainter. Or even if I did, they didn't ask me a single question because", "Pum.", "Spear one new card and everything. I just won't go back to Walmart, Green Dot, Investing Bank,", "or whatever you want to call them. It sucked. It really, really sucked. Not that I had a lot", "on there anyways, but still the simple fact that everything that's going on and we needed that and", "for that to happen, I mean, yeah, it was bad. I had their Walmart app. They had my information.", "There should have been already security right there. They didn't email me until a week later", "of saying there was unauthorized transactions happened to my car. Well, they should have caught", "that from the beginning.", "And it should show on the record of who it came from. It's some brandy something that the email", "was on there. I don't have that information because I deleted it. And even if I did try to", "retrace it, they're not, they don't recognize my card. So my card's no good. It wasn't active. So", "all my information was gone. Basically what our phones do when it's an, when it looks fishy,", "like on spam section in your emails or whatever, I'll get a, like a red thing saying this website", "looks,", "uh, not safe. You know, it'll give you a warning and it, I mean, automatically it should have,", "uh, been stopped, blocked them and refunded my money. Give me my money back. I mean,", "this is the company that they're going through. I, you know, they should have reimbursed me the,", "however much they took and then go after them for frauding their customers. I was so mad. I was just,", "I wanted to call them out. I just wanted, you know,", "somebody to know. I mean, it, I mean, I didn't know it was going to result to this. I didn't know", "I was going to have an interview over it or anything, but I just wanted to let other people", "know that it's not safe. It is absolutely not safe at all. And then I see a week later that", "they're being sued because of this. And that kind of made me feel a little bit better that I wasn't", "the only one that was going through this, but at the same time, it's just really, really sad.", "I mean, we got all these people coming,", "all over in our country and everything. And all they're trying to do is just", "rip us off and harm us. And there, there is no America basically anymore.", "People are out for themselves and it's just sad, really, really sad.", "I'd really, you know, if you were hesitant the first time, listen to your gut. Don't go for it.", "And if you do buy one, I would just keep it plain and simple. I probably wouldn't even use it for a", "job.", "Just like, I don't know, when you're taking a trip, I wouldn't use it to pay for anything", "online because that's how they can catch you by your emails. I mean, just use it as in your town,", "at your stores, you know, don't order anything with it. Don't purchase anything,", "no Amazon, none of that. I mean, just use it for like basic needs." ]

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[ "Consumer Matters reporter Anne Drua is here with more on the pros and cons of using that TFSA. Anne?", "Thanks, Sophie. As of January 1st, every Canadian aged 18 and up can top up their tax-free savings account, or TFSA,", "or open one if they've never contributed before.", "The biggest pro is that you put the money in and it grows tax-free.", "According to a 2020 BMO study, 68% of Canadians say they have a TFSA.", "The program started back in 2009 and allows people of age with a valid social insurance number to set money aside tax-free throughout their lifetime.", "The maximum contribution for 2022 is $6,000.", "Now, if you've never contributed before, you can contribute up to $81,500, provided you were 18 or older in 2009.", "The money can be withdrawn from a TFSA at any time, and investment returns are never taxed.", "The downside is that contributions are not tax-deductible.", "It all depends on where you're getting the money from, because that is really the only big disadvantage,", "is that it comes out of your after-tax money and there's no tax deduction for it.", "A tax-free savings account contribution of $500 a month is money that you can access,", "and it just puts it right back into your bank account with no tax consequences.", "If you pulled the money out of your RRSP, then you have to pay tax on that money.", "Now, if you don't put money into your TFSA in any given year, that contribution room simply rolls over into the next year.", "Now, you can find your current contribution space through four CRA online services.", "My account, my CRA represent a client, if you have an authorized representative,", "or the TFSA.", "Fell", "they're always", "all aware of what their really doing.", "You can save,", "on the Neptune", "mış" ]

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[ "Your card has been used for 3000 रुपेज", "क्या? मेरा card तो मेरे पास", "कहा गया?", "अपने last कहा पर use किया था पापा?", "यही बबलू की दुकान पे", "हाँ मैं वही भूल गया बेटा", "तो आपकी liability जीरो है", "मतलब ये पैसा वापस आजाएगा?", "हाँ पापा कितने दिन में? दस दिन में", "पर प्रतिक बेटा दस दिन में तो credit card का bill भी generate हो जाएगा", "तो पापा bill pay कर देना as usual", "credit के थूँ और जब ये पैसा वापस आजाएगा", "तो next month के bill में ये settle हो जाएगा", "हाँ वो भी है वैसे ये तेरी credit है बहुत सही चीज़ है बेटा", "ये पिछले मेंने तेरी मा का शौक पुरा करने के लिए", "under eye mask मंगाया था", "credit coin की वज़े से काफी सस्ते में पढ़ाता है", "I know so pay your credit card bills on credit", "and get cash back up to 250 rupees", "link is in the pinned comment" ]

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[ "Let's head to Justin's question out on YouTube.", "He says, when saving for a medium to long-term goal, maybe like 5 to 15 years in the future,", "when should you save in a high-yield savings account versus when should you invest in a taxable index fund?", "What do you think?", "So we get this all the time.", "Now, it's not the case anymore, but for the past couple years, cash has been trash.", "Yeah.", "If you were putting money in a high-yield savings account, you were getting like tenths of a percent.", "I'm trying to emphasize the THS on that, like tenths of a percent.", "You just weren't getting a ton of interest.", "And so savers who were saving for home improvements, automobiles, vacations, they're like,", "I hate seeing my money just sit there.", "Counter that with a market that's been really, really strong up until 2022, right?", "I mean, COVID had a quick downturn, but it rebounded quickly.", "In fourth quarter 18, quick downturn rebounded quickly.", "Market's been strong, so a lot of financial mutants find themselves in that place of,", "man, I don't want to just watch my cash sit there,", "but I know that when I invest in the market, there's some risk associated with that.", "And so what we try to do is we try to assign a timeline to it.", "Our view here at the Money Guy Show, here at Money Guy,", "is that if you have a goal that is inside of five years, cash is your answer.", "If you're saving for a car, you're saving for a car.", "A car in the next five years, a vacation in the next five years,", "a down payment for a house in the next five years,", "and you know that it's going to take place in the next 60 months,", "I think cash has to be your answer.", "High yield online savings account, now they're paying like one and a half to 2%.", "Like they're getting pretty attractive now.", "I can remember in the not too distant future where high interest savings accounts,", "like four to 5%, right?", "Can you imagine if you're like making four to 5% on your cash?", "Yeah, I know, that would be great.", "It's wild.", "I think if interest rates continue to rise, we're going to get back to that place.", "So if you have less than a five-year time horizon,", "then I think that saving in cash has to be your answer.", "But a lot of us, we don't know what the exact timeline is.", "Like, hey, I think I might want to invest in rental property,", "but the market doesn't look great right now.", "Well, if it's likely that five-year window could shift,", "or that five-year window is actually closer to 10 or 15,", "I don't think it's crazy to think about putting together a dollar-cost averaging,", "averaging strategy to build up cash in either a low-cost index fund,", "or maybe some like well-diversified, closely dated target retirement fund,", "so that you get some sort of excess return on that.", "Because what happens is, is if you give yourself five years,", "there's a really good chance the money that you're putting in today,", "five years from now, will have gone up, right?", "Now, maybe the money you put in last month at the end of that five years", "won't have been up or for that last year.", "But if you can do that consistently through time, remember,", "remember, it's like a yo-yo walking up the mountain.", "Imagine if you were just dropping breadcrumbs behind you as you walk up that mountain,", "and you get to the top of the mountain and you're starving.", "What are you going to eat?", "You're not going to walk down.", "You're just going to start eating the breadcrumbs, right?", "You're going to kind of go backwards eating the breadcrumbs.", "Well, if you're dollar-cost averaging for a longer time period,", "it allows you to do that.", "So I tell folks, if you have a goal with either an unknown timeline or an unknown cost,", "hey, we want a lake house, but we don't know if we're going to spend", "$150,000.", "Or a million and a half dollars, right?", "And you don't know where that threshold is.", "We like a best of both worlds approach.", "Build up your cash, but you can also do sort of a dollar-cost averaging strategy", "in an after-tax brokerage account in some sort of tax-efficient manner.", "So that way you're getting the best of both worlds." ]

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[ "Venture Rewards credit card. This is one of the most popular travel credit cards out there.", "And for this video, we'll be covering specifically the rewards and some of the main elements you need", "to know about this card. If you want to see all of the smaller details, you can check out our", "website, creditcards.com. We have a full review. If you're watching on YouTube, I will link that", "in the video description. If you're already on our website, you can easily find that.", "And in our review, we cover almost everything you can imagine about this particular card.", "Let's start with the fact that it usually comes with the opportunity to earn a big old signup", "bonus. Now I won't mention the signup bonus as of now because it may change. So you can find all", "the updated information on our website. But one of the things I like about the card is it usually", "comes with the opportunity to earn a really nice signup bonus. On top of that, I like that it's a", "flat rate rewards travel credit card. So it earns", "$1,000 a month. So that's a really nice signup bonus.", "Two miles per dollar spent on all transactions every day. It doesn't matter the category you", "could be spending on travel. You could spend on airlines. You could spend on groceries, gas,", "whatever it is, you're earning two miles per dollar spent. So that means you don't need to", "try and keep track of certain categories you need to maximize or spending at certain retail stores", "or anything. You earn two miles per dollar spent regardless of the category you're spending your", "money in. And of course, there is a kind of a flip side to that. Certain credit", "cards will earn more in certain categories, but it just comes down to valuing simplicity with a card", "and valuing a card that maybe you can maximize certain categories with just comes down to the", "person. And of course, this card comes with an annual fee, which you can see here on the screen.", "I think for a lot of people, if they're considering a card that does have an annual fee,", "one that's modest like this one, they say, okay, I'm going to look at the rewards. I'm going to", "look at the other perks of the card. And I think reasonably speaking, the rewards I earn,", "all the other perks add up to a lot more than the annual fee. And I expect that to be the case,", "but I'm not sure that's the case with this particular card. So let's run through an example", "to talk about how many rewards you could possibly earn on the card. Let's say you spend $2,000 per", "month on a card. Again, doesn't really matter what you're paying for. That's $24,000 of purchases", "for the year that would equate to 48,000 miles. And let's assume just for argument's sake that", "you think the miles are worth 1 cent per mile. That would be $480 in rewards for the year.", "Now in reality, the redemption value for your miles,", "on the redemption option that you choose, there are several different redemption options you can", "choose from including booking travel. You can also transfer your miles to outside loyalty programs.", "That's something that Capital One has been investing a lot in lately. You can also get", "statement credit, gift cards, and more. You can find a larger list on our website. Again, if you're", "watching on YouTube, the link is in the description. We also usually in our full review,", "we'll give an estimate for the value of your miles by redemption option as well. Now, I don't want to", "mention the estimated values until the end of the video, but I do want to mention that the value of", "your miles is going to be a little bit higher than the value of your miles. So, if you're watching", "on YouTube, you can also check out the redemption options that we have in the description.", "So, again, check out the link in the description. I would just say overall for the redemption", "options, this is something that Capital One has been plowing a lot of time into.", "It's definitely gotten better over time. Now, in terms of other benefits with the card,", "it does come with certain insurance items and consumer protections. We have a larger", "list on our website. And it doesn't charge any foreign transaction fees. That means you can", "spend on the card. You can use the card outside the US just like you would in the", "US. And you don't get charged a 3% foreign transaction fee, for example. So, I think", "overall, one of the best mid-range travel credit cards out there. There's more to know. Just go to", "creditcards.com. Thanks for watching the video. Hopefully, we earned your thumbs up if you're", "on YouTube. Have a great day.", "We'll see you in the next video.", "Bye, guys." ]

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[ "A hundred percent without a shadow of a doubt coming from where I came from,", "broke, busted, disgusted.", "I much rather today and every year start off my financial services career as an insurance agent.", "Do you know why?", "Very little competition in the insurance industry.", "If I'm in a real estate business, I get 12 appointments on Saturday.", "However, as an insurance agent, based on no competition in the marketplace,", "I couldn't sell for quotes.", "I could do case studies.", "I could show customer service.", "I can show why I'm different than everybody else at the bank or down the street.", "And more importantly, I make commissions not in 45 or 60 days.", "I can make commissions in 7, 14, 21 days.", "I much rather today be a life insurance agent." ]

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[ "the inflation?", "Yes, thank you very much.", "Two sides of the equation.", "The structural side, which you know very much about all those other issues that are outside", "the purview of the central bank, and then the monetary side.", "And these things we're doing, we've come to the realization that the central bank cannot", "solve the entire problems of the country.", "And you will see that in that communique the acting government was emphasizing collaboration", "between fiscal and monetary authorities.", "It is the period of where you see central bank, you know, being counter fiscal.", "It's gone.", "At this era we need to sit down together, plan the medium time exponential profile,", "the government, even though central bank is commissioned to that, if government spending", "are coming.", "You know, there was also a suggestion that there should be a very close bilateral relationship", "between the fiscal and monetary so that we have the proper coordination of this.", "And that's why I said, you know, we're going to have to do this.", "But these injections that are coming in, they are necessary injections.", "We cannot say because of inflation, no, government don't give palliative.", "No, those palliative will come, but we'll plan how those will not become a monetary", "phenomenon that will drive inflationary pressure.", "Because if you give people money, you know, and there is not, the things to buy did not", "change, which will not even change in the short run.", "Because if you give money today, that money will hit your account today.", "But the production of rice in Wusei market will not improve today.", "It will take time to improve.", "So, wait, let me say this.", "So, that, that, I wanted to learn, sorry.", "Yes, it's okay.", "So, I want, the point is because that liquidity that will come in, those funds that will come", "in, that will come and meet that stable or that constant supply state will become inflationary.", "That's what we call demand pool.", "So, everybody has money, goes to the market, they have only maybe five farmers that brought", "yam to the market.", "Everybody wants to buy.", "The price will be going up." ]

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[ "may be the card for you. It is a super reliable card with excellent benefits for an extremely", "low annual fee. The Chase Sapphire Preferred card has an annual fee of $95, has excellent rewards", "through the Chase Travel Portal, worldwide card acceptance for pay, and has travel insurance in", "case anything happens while traveling. Let's jump into the reasons why you would want this card.", "The first thing you're going to see when signing up for this card is a pretty sweet signup bonus.", "It offers 60,000 points when you spend $4,000 in the first three months, and that equates to", "about $750 when you redeem it through Chase's Ultimate Rewards program. You also get bonuses", "towards travel, select streaming services, online grocery shopping, and dining. The card gets you", "three points per dollar when dining, using select streaming services, and on select online grocery", "shopping stores. You can earn five points per dollar when booking travel through Chase's Travel", "Portal, and two points per dollar on every other travel booked outside of Chase. And", "anything you want to do to save money, you can do it through Chase's Ultimate Rewards program.", "You also get a 10% bonus each year on your account anniversary, and that means that if you were to spend", "$10,000, you get 1,000 points every single anniversary year. And probably the biggest", "reason why people love this card is when you are redeeming your points through Chase's Travel", "Portal with this card, you're going to get a value of 1.2% on your account.", "So, if you're going to be redeeming your points, you're going to get a value of 1.25% per point.", "That's about an extra $25 for every $100 that you redeem. The Sapphire Preferred also includes a $50", "annual hotel credit that you get each year when booking through Chase's Travel Portal,", "and a complimentary DoorDash Pass, which is great if you want to eliminate some of those fees when", "you're ordering food to your house. Also, if you already have other Chase cards, you can combine", "all your points and use them through Chase Sapphire Preferred and the Chase Travel Portal to be able", "to maximize your point value. There is also an abundance of insurances that come when using this", "card for booking travel. For example, you can get reimbursed up to $10,000 per person and $20,000 per", "trip for prepaid non-refundable trips that may need to be canceled due to sickness or poor weather or", "any other condition that Chase may allow within their guidelines. I personally have had this card", "for over three years now and have used it to book multiple trips through the Chase Travel Portal,", "and it's super easy to use and it's definitely worth it. I would probably say this is the best", "all-around travel rewards card currently on the credit card market.", "If you enjoyed this video, please like and subscribe to my channel, and if you want to", "see more videos like this, please leave a thumbs up and subscribe. Comment down below if you're", "thinking about getting the Chase Sapphire Preferred, and I'll see you in the next video." ]

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[ "प्रॉब्लम आता है इसे कैसे भी करेंगे तो दोस्तों यहां पर मेरे फोन पर बेंट अप्लीकेशन में भी प्रॉब्लम", "जा रहा था यहां पर मैंने योटी या दिल्ली किया एनट यहां पर हम बैंक एककाउंट पर क्लिक करेंगे तो यहां", "पर मैं किसी को पैसा भेजना चाहिए था यहां पर मैं आपको दिखाता हूं यह रूपया स्टेंड करके यहां पर हम", "आपको डिटेल्स में बताऊंगा क्योंकि इस टाइप की जो प्रॉब्लम है मैंने पहले भी देखा है एंड आज भी यह", "प्रॉब्लम मेरे साथ आ रहा है तो इसे जो कैसे फिक्स करना है ब्रांच जाकर फिक्स करेंगे या जो यह आटोमेटिक", "प्रॉब्लम सों होगा एंड्रेद्ड शरीर से एप प्रॉब्लम आता है आज मैं आपको इस वीडियो में डिडेेल में बताऊंगा", "एंड किस टाइप से जो है यह प्रॉब्लम में स्टॉल करूंगा वह भी मैं आपको इस वीडियो में बताऊंगा तो दोस्तो", "तो आपको बता दे कि आपको यह सभी फाल्टू सेटिंग नहीं कहना है इन सभी के चक्कर में आपको नहीं पढ़ना है", "तो अत्त कृपि के अंदर ए पेमेंट नहीं पढ़ता है तो आपको यह प्रॉब्लम आया था तो अगर आपको पेमेंट हो गया", "अगर अटोमेटिक नहीं होता", "जाता है तो हो सकता आप जो बैंक अकाउंट परीच कर दिया गया है या जो आपका उम्र कम हो तो जो है यहां पर", "आप से पंड कार्ड मांगा जाएगा अगर आपका उम्र कम ख valtा है किसी का तो यहां पर टू ईयाइप", "पर आपका जो बैंक अकाउंट चोटा है उससे बड़ा करने के लिए भी यहां पर पैंट कार्ड मांगा जाता है इस टाइप के", "अगर प्रॉब्लम आता है तो आपको ब्रांच जाना पड़ेगा तो मैंने अब जो प्रॉब्लम है कैसे फिक्स किया जो आज मेरे", "पेटार डर गाज़ार करने से कोई भी सेटिंग करने समझ नहीं होने वाला है तो मैं कैसे इसे पूर्व करूंगा", "मैं अपना एक्सपीरियेंस आपको सेयर करूंगा जिससे दिव्याजू है आप भी वालो करके अभी अपना यह प्रॉब्लम", "प्रॉब्लम फॉरल कर सकते हैं या पर मेरा जो प्रोग्लम था वह इसलिए हो चुका है एंड यहां पर मैं फोन", "पर अपलिकेशन ओपन करके आपको दिखा देता हूं लाइफ रोक यहां पर मैं यह आइडी पर क्लिक करता हूं", "वर्वभू और अपने चर्श हैन में पैसा डहान चाहिए.", "जब स्क्लान नहीं खीज दिया, मैं जानती हूं क्लाइक या एक बार पैसा करना चाहता हूं थ।", "जो कि प्रॉब्लम आ रहा था तो यहां पर मेरा जो प्रॉब्लम फिक्स तो हो चुका है तो अभी जो है मैं आपको उसी", "अकाउंट में पैसा सेंड करके दिखाऊंगा एंड रोस्टो यह जो मेरा प्रॉब्लम व आटोमेटिक सोल हुआ जो कि मैंने आपको", "बताया था 24-48 गंटे में टेक्निकल इस वजह से प्रॉब्लम आता है एंड यहां पर मैस फीस जो पैसा इसी बैंक", "अकाउंट में सेंड करके आपको दिखा देता हूं यहां पर आप देख सकते हैं रुपए जो कि मैंने केल सेंड किया था यहां", "पर फिल्म बता रहा है एंड यहां पर मैं फीस थी एक रुपए सेंड करता हूं उसके बाद यहां पर मैं अपना यह", "उपयाय पेंटर करूंगा कि तो आप देखेंगे यहां पर कोई भी प्रॉब्लम नहीं हैगा पैसा यहां पर सेंड हो जाएगा", "तो आप देख सकते हैं पैसा यहां पर सेंड हो चुका है तो दोस्तों यह जो मेरा प्रॉब्लम आटोमेटिक फॉल होगा", "24 घंटे के अंदर जो आटोमेटिक फॉल हो जाता है अगर टेक्निकल इशु रहता है लेकिन अगर ऐसा कोई प्रॉब्लम नहीं", "है तो हो सकता है आपका आने से जो है आपको प्रांच जाना पड़ेगा आपका बैंक एकाउंट खॉड़ी कर दिया गया हो", "तो मेरे केस में जो आटोमेटिक फॉल हो गया इसलिए जो मैं यहां पर बैंक नहीं है तो अगर आपका भी आटोमेटिक", "टो फोल हो जाता है तो ठीक है नहीं तो आपको ब्रांच जाना पड़ेगा और बाकी आपको मोबाइल में कोई सेटिंग", "बगएरा नहीं कहना है इसी प्रॉब्लम सोल नहीं होने अलार्म तो इस वीडियो में आपको बताइए इस प्रॉब्लम को", "झाल" ]

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[ "सर आदा घंटा हो गया बेट करते करते। और कितना टाइम लगेगा।", "सर आदा घंटे से आपके पास बुक ये बजी जा रही है।", "दस भर चुके हैं। दस और भरनी है अभी।", "क्या। इतनी सारी पास बुक्स।", "सर जो आपने ये दस दस बीस पीसो रुपे की हजाराओं यूपीआई ट्रांजेक्शन कर रखी है ना। उसी के वजह से ये आई है।", "आपको पता है ये आजकल सब पेवमेंट्स यूपीआई से होती है। मैं खुद परेशान हूँ इससे।", "सर ये प्रॉब्लम काफी कस्टमर्स को आती है और इसके लिए एनपीसीआई ने लॉउंच किया है यूपीआई लाइट। इसे आप छोटी ट्रांजेक्शन के लिए यूज़ कर सकते हो जिनकी मैक्सिमिम लिमिट दो सौ रुपे तक है। और इसके बहुत सारे फायदे है", "पहला तो ये आपके बैंक सेटमेंट में रिफ्लेक्ट नहीं होता। दूसरा इसे आप बिना इंटरनेट के भी यूज़ कर सकते हो। और तीसरा इसमें ट्रांसफर करने से पहले कोई ओटी भी डालने की भी ज़रूरत नहीं होती। ये एक तरह से ओन डिवाइस बॉलेट", "पर जानते हैं।" ]

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[ "इस तरीके से मैं रुपय की बाले कर दे रहा हूं", "इस तरीके से बंक को सिलेक्ट करें", "है यहां पर पेप क्लिक करेंगे तो आपको यहां पर एंपेंड डालना है अपना जैसे आप मेम डालते", "होगे इस पर क्लिक करते हुए तो यहां पर आपको कुछ इस तरीके का एंड अपने आता होका जैसी कभी आपको दिखाता", "यार मनी है जो यहां देख जो और मनी है जो नोट विन डेविटेड चेक यूपीआई लिमिट फर बैंक यह आप देख सकते हैं ठीक है यहां पर आप जब रीड राइड पर क्लिक करते होंगे फिर भी आपको यह प्रॉब्लम आ रही होगी जैसे कि मैं आपको फिर यहां पर", "बे विलास्ट करके आपको फिर दिखा देता हूं फिर भी आपको प्रॉब्लम आ रही होगी तो जैसे कि हम फिर से इस तरीकے से ट्रिक करते हैं तो यहां पर फिर से एरर आ जाता है ठीक है दोस्तों इस पर किसी भी ही बताऊंगा उस वीडियो को पूरा देखना वाइट ह", "तो यहाँ पर आपको यह प्रॉब्लम कब आ रही है, क्यों आ रही है, यह कब सही होगी, कैसे सही होगी, ठीक है, तो सबसे पहले आपको क्या करना होगा, सबसे पहले यह लगा है चेक UPI limit per bank, इस पर हम क्लिक करेंगे, जैसे आप इस पर क्लिक करेंगे, और Chrome ब्राउजर को आ", "रही है, और यहां पर आपका लिए Bijnes pairs, transaction limit और विकल्प पर लिए दिल भारताओं के अंतृत मस्त्र से आप देख सकते हैं, और यहां पर आप इस तरीके से देख सकते हैं, तो आप यहां पर आपके लिए देख सकते हैं, यहां में आप अपनी बैंक है, जैसे मेरा इयस्ती", "स्टेट बैंक ऑफ इंडिया के यहां पर जो लिमिट है यह आप देख सकते हैं यहां पर आप एक delicious लिमिट यहां देख सकते हैं", "हैं ठीक है यहां पर आप देख सकते हैं लिमिट यह छड़ सकते हैं यहां से ठीक है लेकिन फिर भी यह लोगीटेशन की", "या लाभ सब्स किया प्रियक्तुल्व", "डॉक्कर �怎麼 कै इन हुआ घंट हो एक चैनल", "खास चेहरा ठीक हैaya लाख या माँनी", "और देखा कि लिखोरता पर पास हुआ,", "क्या नहीं हम", "हम भरते हैं और आप आपकसे", "तो चले जाएंगे जैसी कभी मैं आपको दिखा elemento को चलता हूँ", "तो यह तुरंत होना देखा आपको बहुत प Einkl जो तक हुं", "यह 5 दिन अगले तक 12 बार दर्ज Pearl last", "English है तो साय है मैं आपको अपने Google पर ज germs", "पर सबसे पहले आवश्य ABOUT TKR 09 E network", "की कव्तेड का शामगित यहां पर जिस विनाम बेहतर अगले круг", "अगर आप इस बेंक ट्रांजक्शन करेंगे तो आपका जाएगा ठीक है आप ट्रांसफर करने में हो जाएगी ट्रांसफर लेकिन दोस्तों अगर आपका इकॉल", "बली करण सबक्षा के बाद आप प्रजास कandel करें यह तो तो आप तो यह प्रंटिंग यहां पर सबक्षा के बाद delay", "दिल इस नॉन क shines आपका participation देखना चाहिए न्यादू इधर यह नियुक्त क्लिक में mommy उसके साथ", "तो फिलाल मैं इस वीडियो में लेता हूँ बेदा आपका कोई भी सजा हो तो नीचे कमेंट सेक्सम छोड़े जाएगी मिलता हूँ अगली वीडियो में तब तक इस वीडियो इतना ही जैहिंद" ]

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[ "card I got this card in 2019 at that time my credit score was around 780 790", "I applied for the card through online and got that process approved in like", "two two days when I apply for this card I already had maybe like two or", "three cards from Chase so the process took little bit longer whereas my wife", "applied from the same card and her process got approved within few minutes", "I received for 60 thousand bonus point at that time after spending four", "thousand in three months I basically used this card or for", "for booking airline tickets and then using when I am out of the United States.", "Since it doesn't have one of the few cards that doesn't have foreign transaction fees.", "Till now I have booked two tickets from Seattle to Bangalore and back to Seattle.", "One for myself which I got completely free.", "The value of the ticket was around $1200.", "So another good thing is that if you book it from Chase portal, the point will be worth", "around 1.25.", "So I don't know actually how much I spent but I might have spent like 700 to 900 points", "for that ticket which I don't have to pay anything.", "So it was I think 2020.", "Recently, 2022, I booked another ticket for my family, my two daughters and my wife from", "Seattle to Bangalore and back.", "The ticket cost was around $4500 and then we have to pay only like $1300 out of the", "pocket.", "So they have probably used like maybe 2500 points from here.", "At one point of time.", "I had around 250,000 points over here.", "So how I mainly got these points are I myself got a Chase pre-paid card which was around", "60,000 points.", "My wife got one and then she got her 60,000.", "So we combine these two points.", "So Chase has another thing where you can actually combine points from your family and then another", "maybe like 1000, 100,000 points.", "We have to pay like $1500.", "So Chase Freedom has that unique options where you will get like five person every quarter", "on like it can be grocery or Amazon or Home Improvement.", "So it rotates but we try to track it and then we will come we have combined all these points.", "So that's how I got around 250,000 points at one time.", "And then I spend it mostly on travels.", "Apart from that I do not use this card much since I do.", "So this one I think it's one person for everything else two person or three person for dining", "or for airlines.", "I think it's two or three person whereas like I have some other cards which pay me basically", "like two person for everything.", "Or I have like those card rotating offer.", "So I use those cards.", "And I don't use this card.", "But I do use it if I have to buy some kind of electronic.", "It does have some kind of extended warranty.", "I think it's a one year extended warranty.", "So I did use it to buy like a laptop which manufacturing might have one year and then", "this card does extend it for another year.", "So I do use that for that one.", "So overall I am.", "Oh I completely forgot about this.", "The last point is that many people like it and this is one of my first card which is", "completely made out of metal.", "So it's a little heavier compared to other plastic card.", "Some people like like metal card and then and then it has like a premium look.", "So if you wanted to consider that if anyone wanted to apply for this card please use my", "referral link.", "Which I'll be sharing in the description.", "The person who sign up will get a 60,000 bonus points.", "So someone can give it a try.", "Like try for one year and see.", "Even just for the bonus point you can see how the card is and then if you don't like", "it then you can always cancel the card or you can downgrade it if you don't want to", "affect your credit score.", "That's the only way to get a bonus point.", "It will not affect the credit score.", "Thank you for watching this video till now.", "If you have any questions about this card please leave me a comment and I will try my", "best to answer them." ]

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[ "bank accounts. Do you keep your finances separate or do you merge everything? Maybe it's best to do", "a combination, but in this video we'll take a deep dive into the joint bank account pros and cons.", "Use the benefits and drawbacks to help you make the money moves that are right for you and your", "partner. After all, the goal isn't to duplicate another couple's exact money moves anyway.", "Instead, you want to build the financial plan that's right for your family.", "Hey everyone, this is Andy Hill from Marriage, Kids & Money, a channel dedicated to helping", "you strengthen your family tree so you can live financially free. If you like what you hear today,", "please consider giving me the YouTube triple thanks. That's hitting the like button,", "subscribing to the channel, and then commenting something cool down below.", "Maybe your thoughts on the pros and cons of joint bank accounts. Thanks.", "All right, what is a joint bank account? Joint bank accounts are accounts that are shared between", "two individuals. They're actually made up of a set of two accounts. The first account is your", "Typically, these joint accounts will be savings accounts or checking accounts.", "That way, both people can use the account to cover expenses, pay bills, or save for", "certain financial goals .", "A joint checking account works the same way as an individual checking account.", "You can write checks and make purchases with a debit card.", "Both people on the account should be able to access the funds with checks, a debit card,", "and by making bank deposits or withdrawals.", "Additionally, you can set up direct deposit for both people's paychecks if you choose.", "A joint savings account works just like an individual savings account.", "This account is appropriate for setting money aside for short-term and medium-term goals.", "These accounts are FDIC insured, which means they keep your money safe.", "They also often offer interest so you can make money by just keeping your funds in the", "account.", "Both account holders can make deposits to and withdrawals from the account.", "For our purposes in this video,", "we'll review two accounts.", "First, we'll review joint account pros and cons for couples.", "But it's worth noting that joint bank accounts can also be created for aging parents and", "their adult children or business partners.", "In fact, joint accounts can be created for any two adults.", "However, it is crucial to ensure that the person you open a joint account with is someone", "you trust.", "According to the joint bank account rules, both account holders have total access to", "the account and all the funds inside of the account.", "Before you and your partner rush to open a joint bank account, it's worth exploring", "the joint bank account pros and cons.", "Then you want to consider your financial goals and the unique needs of your relationship", "together.", "Let's start with the benefits of joint bank accounts first.", "Transparency.", "Financial transparency can be difficult to achieve and maintain if you and your partner", "only have separate accounts.", "Of course, there are other ways to share your financial progress.", "For example, if you have a partner who has a separate account, you can share your financial", "But there's no denying that joint accounts make financial transparency incredibly easy", "to achieve.", "Since both partners have access to joint accounts at all times, there's no guessing the account", "balances or spending or saving.", "Also, you have simplicity.", "By working from a shared account, you and your partner are on the same page.", "When you have money meetings, budget reviews, and other things like that, you can work from", "There's no need to worry about how often your financial findings will manifest themselves.", "While it's certainly not impossible to have money dates if you and your partner only have", "separate accounts, it's just gonna add a few more steps to each budgeting review", "session you're looking at.", "There's also goal setting as a benefit.", "In addition to streamlining the money date, two of the three examples remove some of the", "So your benefits increase, you do boost your financial intelligence , the company is", "quickly spot overspending, allowing you to both course correct mid-month instead of waiting", "for a surprise at the end of the month budget review.", "When you have a month where you both kick your savings into overdrive, you can celebrate", "sooner.", "Another benefit, cost savings.", "Combined finances result in higher account balances.", "This makes it easier to meet minimum balance requirements and other thresholds or activity", "requirements.", "Doing so can give you access to premium accounts and help you dodge maintenance and activity", "fees you see with some banks.", "Also, easy to use tools.", "One old criticism of joint accounts was that it could be difficult to combine your money", "together.", "Thankfully, there's an app for that now.", "In fact, there are many different fintech options like Zeta that will help you and your", "partner merge your money in a stress-free way.", "Zeta is a joint account that's designed specifically for families.", "Zeta remembers when you're busy.", "They recommend autosaving plans for goals and they tell you how much money is available", "to spend.", "Check out Zeta, this video's sponsor, by clicking the link in our video description.", "Also, another benefit, meet your goals sooner.", "Yes, meet your collective goals sooner.", "Many couples say that their favorite part about joint accounts is the motivation they", "offer.", "Your balance is higher than it is with separate accounts.", "Whether you're chasing your first comma or looking to join the double comma, you're going", "to have a lot of motivation.", "A joint account can certainly ramp up the motivation.", "Now let's talk about the drawbacks to joint accounts.", "There's pros and cons to everything.", "That's why we like to do these videos.", "There are many perks to joint accounts, but maybe you've heard someone argue that joint", "accounts are bad.", "We think that joint accounts can add a lot of value to a partnership, but it is worth", "knowing some of the drawbacks that come with having a joint account.", "The first one, joint responsibility.", "Joint accounts come with joint access and joint responsibility.", "If one person in your relationship is the saver and another is the spender, it's important", "to remember that joint accounts grant equal access.", "Either individual can access the money at any time.", "If an account goes into overdraft, both people are responsible for the fees.", "Joint accounts can also be seized by the government.", "If this is a second marriage for either partner and one of you owes spares, you can also be", "If you have a spouse or child support, a joint account can be tapped to cover those expenses.", "Also, another thing to think about is lack of privacy.", "We would never advise you to hide anything significant from your partner.", "In fact, we believe financial transparency is one of the keys to making your relationship", "shine.", "However, it's worth noting that it's much harder to hide birthday gifts, Christmas gifts,", "and Valentine's Day presents if you and your partner only use joint accounts.", "Life stages.", "Another consideration to make when weighing the pros and cons of joint bank accounts is", "where you and your partner are in life.", "A couple who's just starting out with a small net worth may have a much simpler time combining", "most or all of their finances together in a joint account.", "However, if you and your partner set up multiple financial accounts and built a more significant", "net worth before you actually met.", "It might also make sense to keep some of those accounts.", "Even with a pre-nup, it's never fun to try to separate assets in the event of a breakup,", "but if you and your partner open a joint account before you're married, it can be complicated", "to separate out your money if the relationship ends before you tie the knot.", "Financial abuse While we certainly hope all the couples in", "our marriage, kids, and money community are in healthy relationships, it's important that", "penny, it can make leaving an abusive situation virtually impossible. Also, retirement account", "rules. Not every account should or even can be a joint account. For instance, an IRA or a Roth IRA", "is an individual retirement account. It's in the name. While you can certainly identify a", "beneficiary, you cannot create a joint account. This is also true for workplace retirement", "accounts. So while managing joint checking and savings accounts can certainly make things easier", "in your relationship, you are ultimately also likely to have to manage some separate accounts", "for retirement. So what are some other money pros say about joint bank account pros and cons?", "Well, we've asked many different money and relationship experts their thoughts on combining", "finance. Some money experts like Rachel Cruz view joint accounts really", "favorably as a way to manage money and relationship. But some money experts say that it's", "favorably. In fact, Cruz says that a joint bank account signifies unity in a marriage. Here's Cruz.", "So when you combine your finances, you're not losing your identity, but you are saying, yeah,", "I trust you enough as my spouse that we're going to work together as a team and vice versa, that", "your spouse needs to look at you and say, yeah, I trust you enough that we are going to work", "together as a team. And the moment you can't trust the money going on, again, there are other things", "down there that you have got to dig out as a married couple. Other relationship experts don't", "take a firm stance. Instead, they try to address the source of money conflict in the first place.", "Virginia-based psychiatrist Dr. Laura Dabney works with couples to help them navigate difficult money", "situations. She argues that joint accounts can be very helpful, especially in terms of transparency.", "But the bigger issue is teaching couples how to talk about money on both intellectual and", "emotional levels. Here's Dr. Dabney.", "So if you start with the feeling, if you can get comfortable with the feeling and say, I really get", "anxious, I'm going to do this, I'm going to do that, I'm going to do that, I'm going to do that, I'm going to do that.", "When you make a big purchase, that person's going to want to soothe your pain. The person's not going", "to want to not buy a boat because you've declared it's wrong. It's because there's nothing wrong", "with it. But they're going to want to help you if you talk about your pain and they love you.", "Adam Cole, a couples financial counselor, also believes that it is essential for couples to", "proactively address money issues. In fact, he believes that couples can stop money fights", "before they start. While he doesn't necessarily prefer joint bankings, he believes that couples", "can stop money fights before they start. He says that it's key for couples to be realistic, set a", "budget together, and work toward their financial goals as a team. Joint bank accounts can certainly", "help facilitate some of this work. Here's Cole. If this is a person that you want to be with,", "then that's why this matters, right? So keep that in mind. Have your commitment to them at the", "forefront and feel free to say that. I mean, sometimes I'll have clients just say, you know,", "money's been kind of stressful for me and I'm sorry, I've waited to bring it up. I should have", "brought it up sooner, but I really care about the money. And I'm like, well, I don't know. I don't", "know the future of our relationship and I love you. And I think that this can make our life easier", "if we got on the same page. So, you know, when's a good time to talk about it? In the end, like most", "all marriage and money topics, there are pros and cons to joint accounts. Perhaps you want to use", "one joint account for all of your finances. Maybe you want to use a combination of separate and", "joint accounts. No matter how you co-mingle your money, realize that your situation is unique and", "your plan may be different from others out there. And that's okay. To make the joint account process", "easier, see how Zeta might be able to help you and your partner get on the same page financially.", "Zeta allows you to pay bills, save for goals, and track shared spending together all in one place.", "Plus, Zeta works seamlessly alongside your existing accounts, if that's how you and your partner", "roll. To learn how to set up your Zeta joint account in just five minutes, click the link in our", "video description. You'll be supporting our sponsor and this channel. Well, enough from our side,", "everyone. We want to hear from you. What do you think of a joint bank account in your", "relationship? I know this is different for every couple out there. So what do you think about these", "pros and cons we went through? Do the pros outweigh the cons for you? Please let us know in the", "comments below. This is Andy Hill from Marriage, Kids, and Money signing off. Carpe diem.", "." ]

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[ "नेट बैंकिक सर्वित यूज नहीं कर पा रहे हैं स्पेसिफिकली जो कॉर्परेट यूजर है उनको लॉग इन का ऑप्शन", "नहीं आ रहा था बहुत लोग में ट्विटर पर बोला था कि यहां पर दीखें इधर रिरे�ल और फेक्टर लिख के आ", "रहा है तो यहां पर क्वार्ट क्लिक के नहीं आ रहा था तो इसके वजह से जिंगी के कॉर्पर्ट अकाउंट यह उसके लॉग", "नहीं हो रहे थे लेकिन अभी वह इशू रिजॉल हो चुका है अब देख सकते हैं यहां पर रिटेल एन कॉर्परेट दोनों ऑप्शन दिख", "सकते हैं आप आप लॉग इन अभी कर पा रहे होंगे यह देखने के लिए आपका धन्यवाद और प्लीज सब्सक्राइब कीजिए और इसे वीडियो के लिए" ]

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[ "I want to tell you about my experience with SumAll, and I still don't understand why anybody falls for this fucking scam.", "So, last year I decided to try it out because somebody recommended it to me because, you know,", "it self-perpetuates itself to your audience and yourself.", "It's a part of using the service, which in itself is bullshit, and it'll even post on your behalf,", "and sometimes even hijack stuff on your feed.", "But the thing that I didn't like about it was all of the statistics that it showed", "on my account for top followers were people that I didn't know,", "and three of the accounts were actively banning me.", "When I started looking at these individual accounts,", "they never had any interaction that they were advertising as my top followers.", "It also turns out that they had absolutely nothing in common with me.", "As a matter of fact, they were probably polar opposites,", "and you could tell from the number of followers and the people that they were following", "and who they were retweeting and everything.", "For all intents and purposes, they were bot accounts.", "So why is SumAll taking these bot accounts that are obviously paying to perpetuate stuff", "and making themselves public?", "Top followers on other people's channels?", "Well, it's simple.", "SumAll makes money by promoting them,", "but they promote them by making your audience think that they follow you,", "which then makes your audience think that,", "oh, they might actually be kind of cool,", "and go check them out and follow them,", "and it's just one big fucking pyramid scheme.", "Anyways, you already know this.", "You already hate them.", "Please spread the message.", "Anybody that uses SumAll, it is totally the biggest scam ever.", "The only thing it's going to do is just drain away your audience,", "and the only followers that you're going to get from using SumAll", "are going to be other bot accounts that are just doing follow for follow,", "to falsely boost numbers.", "And anybody that's done this for any period of time as a career will tell you", "that artificially inflating your social media will hurt you badly in the long run.", "It might look cool in the beginning,", "but it will do irreparable damage that you do not come back from.", "So just be warned.", "Better to grow slow and realistically than to have a million followers", "that never interact and that the algorithm basically pegs his bots", "and then penalizes you for it.", "All right.", "Take it easy, guys.", "Barnacules signing off." ]

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[ "real-time money transfer between two banks using a VPA. And we know this has been adopted and,", "in fact, increasingly being adopted in the country. At the same time, we are seeing", "scams related to UPI also on the rise. How exactly are these scams done? What's the modus operandi?", "So, there are multiple ways people are doing this scam via UPI. So, I think, first of all,", "we need to understand whatever technologies we develop, it comes down to the human psychology.", "So, the two factors are very important, like fear and greed. These are the two important things", "where all the crimes happen. So, I'll tell you a few of the cases how this fraud happens. So,", "first of all, we need to understand the technology. So, we need to understand the technology. So,", "when you receive the money, the fraud people ask you to enter the UPI, which is never the case.", "When you receive the money, you never need to enter the UPI. Second thing, where people can", "clone your QR code and then they can send you the basic IDs in a similar way, like where you want", "to transfer your funds. So, this is another way people do the fraud. Third thing, where people", "are doing the cloning of the SIM and then they get the OTP. This is how the other way of", "fraud is happening in the UPI. And on the greed side, sometimes you get the offers,", "the lucrative offers to get a high return. Let's say you are getting 2x of the return or you have", "got the lottery and they ask you to enter the PIN in their application. So, this is how the", "UPI fraud happens when people get into this fear or greed things.", "Exactly. We will definitely tell our viewers how not to get scammed. But then, Rahul,", "there's also one very common way to get scammed. So, if you have a lot of money, you can get", "scammed. So, if you have some money and you have a lot of money, you can get scammed. So,", "which is by creating a fake emergency situation. What exactly is that?", "Rahul? Thank you, Kavita. Thanks for the invite. Absolutely. So, I think the emergency situation", "happens only... So, every criminal, they want to make sure that you will go for a call to action", "kind of a situation. For example, you will be receiving an SMS that says, you are not getting", "that your Paytm, your phone pay or any kind of UPI powered wallet has been debited with", "3000 rupees or 5000 rupees and to know where it has been debited or even it is credited.", "Can you click on this link?", "So now instead of going through the application, most of the individuals want to click on that", "link and that's where the fraud happens.", "So one is this example and second is sometimes they send you a UPI based application link", "like UPI just announced a 5000 deposit in your account under PM's this is Yojana to", "do this click on this link and download the updated version of UPI based Bheem or some", "other application.", "Through that they will make you download a APK file and once you download that APK file", "then the remote access of your device can be in other people's hands.", "So it's based on most of the individuals but in most of the cases we have seen especially", "for the senior citizens is two types of scams.", "One to create an emergency situation of money which is being deposited in your account or", "maybe extracted from your account and it shows as an SMS as an alert to the user and to know", "whether the money is there or not the person was forced to click on the link and in most", "of the situations people do not go to the application to check any kind of a wallet", "to check whether the money has been debited.", "So they click on the link and that's where the scam happens.", "Rahul my next question is to you because I remember this platform was launched by", "NPCI in 2016 and it seems that you've been working closely at that time with NPCI when", "Bheem UPI rollout was about to happen if I'm not wrong.", "When we're talking about the formation stage what kind of security wall were included or", "the kind of scams you're talking about now?", "Were they not anti-fiscal?", "Were they not participated earlier when these things were being formed?", "Rahul?", "This question is to me, Kavita?", "Yeah.", "Oh, I'm so sorry.", "Yeah.", "So apologies I'm not well today a little bit.", "So absolutely I think yes so at that time definitely we got the privilege to had the", "first hands on the source code of the application and we did the due diligence and the security", "of the application code for the country.", "And if you see the funny thing here till today UPI as a platform or as an architecture application", "was never breached.", "Most of the attacks are which are happening are basically on the social media social engineering", "attacks where the users are tricked to perform a certain action which results in losing the", "money from the customer.", "But from the application point of view if you see as an application what is required", "to give the security of a user it's already there.", "UPI for example, Beam application is the only application having a three level of security", "layer.", "One is the your pin code when you open the application you need to put a pin code and", "then when you do the UPI payment then again you need to fill the pin code of your UPI", "and third is your hardware based detection your MAC address of your mobile.", "So they are very rare wallets who are having this layer of security.", "Am I right?", "And thankfully, we can't blame Unfortunately, no, we can't blame UPA for that because at", "the end of the day, from a technology point of view, they have given everything to to", "secure the user.", "The only thing which is lacking is how to use the application or noечение.", "And I think it's a huge responsibility for all the mobile wallet companies,", "be it Paytm, be it PhonePay, be it anyone. I don't see that they are doing enough. They are", "doing good, but that's not enough to really reach the masses to ensure and tell the users how to", "securely use the UPI payment. And the biggest challenge is once the fraud has happened,", "then it's mostly a mess for a user. And now the government is getting strict on these scenarios,", "but still it is, I think, a long way to go from the mobile companies, wallet companies to coordinate", "with the UPI to get that funding back once the money is lost by the user.", "Dilip, now help me understand because we are talking about specifically UPI scam. Now,", "if you talk about the entire ambit of this cybersecurity frauds and financial frauds,", "especially.", "How much of these are actually UPI scams? Because we also know that millions of users", "are actually opting on doing money transfer and various kinds of financial services using UPI.", "So primarily, if you see the fraud cases, so in the last quarter,", "India registered almost like 1.4 lakh cases for the fraud that happened via UPI. So as he correctly", "mentioned, that mostly it's not about the technology, it's about the awareness of", "the fraud. So it's not about the technology, it's about the awareness of the fraud. So it's not about", "the technology, it's about the awareness of the fraud. So it's not about the technology, it's about the awareness", "so people don't know how to use the UPI properly. So they just not knowing how to use the UPI properly. So", "they just get into the scam. They just get into the fraud basically. So these are the basic", "parameters where the frauds are happening these days.", "Now, let's talk about how not to get scammed. So your first tip, Dilip?", "First tip would be when you're receiving the money, you don't need to enter UPI PIN. So it's always,", "always, always when you send the money,", "then you need to enter the PIN. So you need to take care of that part.", "Take care of your UPI PIN and you don't have to insert a PIN when you are receiving the money.", "Rahul. So my request for everyone is that it's not an endorsement, but I really encourage everyone to", "use BEAM as your first application for the payments wherever you are using the, if you want", "to use the UPI and never use your PIN code similar with your UPI PIN code. Like when you open the", "application, I have seen that most of the first level of authentication of that is a four digit", "kind of a PIN code, which is on every mobile payment application. People use the similar PIN", "code with their UPI PIN code. So if some criminal gets the one PIN code, they know the UPI PIN code", "will be similar. So it's one, two, three, four to open the application and one, two, three, four to", "send the payment also. Rahul.", "So those PIN code have to be used. Rahul.", "number and the email address which is registered with all your payment and UPI based applications,", "they should be two factor authentication protected. Then I think you will be able to", "secure the things in a very good manner." ]

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[ "So if you watch a lot of my videos then you probably know that I am a huge fan of the", "whole fintech and online banking movement. And honestly that's because not only do I", "really like what a lot of these fintech companies are offering, but I also just really dislike the", "large national banks and love seeing the little guy win for once. But there's still a small", "handful of established national banks that are doing a decent job of adapting to the modern", "world of banking, one of which being Marcus by Goldman Sachs. So today let's break down everything", "that they have to offer on the banking side of things and see if they are truly keeping up with", "all of these awesome fintech companies like SoFi, Ally, and Chime just to name a few, or if they", "should just be left in the dust and forgotten about like Wells Fargo. Alright let's jump right into it.", "So in case you didn't know, Goldman Sachs is old, like really old,", "and it's a very, very, very, very, very, very, very, very, very, very, very, very, very, very,", "in it, the large rebranding of many of their products under the name Marcus is a fairly new", "development and I believe it just happened around 2016. So while Goldman Sachs has been around for", "a while, these are fairly new products, so just keep that in mind. The other thing I want to note", "right off the bat is that while I personally consider Marcus by Goldman Sachs to be a", "national bank, or at least I put them in the same category as those national banks,", "they don't actually have a widespread network of physical brick and mortar locations. So while I", "don't personally have a problem with that, that is just another thing that you will want to keep in", "mind. Alright, so Goldman Sachs, and specifically the Marcus brand, offers a number of financial", "products, including banking options, investment accounts, loans, and a ton of other financial", "tools and resources. So I'll leave a link to the website in the description below if you do want to", "check out all of those different financial products that they offer. But in this video, I specifically", "want to take a look at some of the financial products that they offer. So I'm going to start", "with the Marcus by Goldman Sachs high yield savings account. So a high yield savings account used to", "mean like 2% or more at least, but because of the way interest rates have gone recently, that's kind", "of been crushed into the ground. However, thankfully, many of these companies have slowly started to", "increase those interest rates again, and currently the high yield savings account from Marcus by", "Goldman Sachs does offer 0.5%, which isn't great, but in the grand scheme of things and where", "interest rates are at currently, 0.5% of the interest rates are going to be going to the", "national bank. So if you compare those numbers to other national banks like Chase, Citi, and of", "course Wells Fargo, that's like 50 times what they offer since most of them just give you 0.01%,", "which is basically nothing. Keep in mind that that means if you had a million dollars in this account,", "you would make a whopping $100 in interest. And there's probably a number of reasons why Goldman", "Sachs is able to offer such a higher interest rate when compared to those national banks,", "but the main reason is that they're not going to be able to offer a higher interest rate than the", "about in previous videos, meaning they can offer that higher interest rate instead of dumping all", "of that money into expensive overpriced buildings that most of us probably never go to anymore", "anyways. I also have to give Marcus by Goldman Sachs some bonus points because they have this", "awesome calculator on their website where you can actually plug in some numbers and look at how much", "interest you would earn with a Marcus by Goldman Sachs high yield savings account. But the best", "part is that they totally don't have to maintain those physical brick and mortar locations as we've", "talked about in previous videos. They can also show you how little interest you would earn if you had", "the same numbers with those banks. So this high yield savings account has no fees, which is a must", "in my opinion, and they have no minimum balance requirements or no minimum deposit requirements,", "which is a really nice plus as well. They also have a same day transfer tool up to $100,000,", "which I have not personally been able to test myself, but if that is true, then that is pretty", "awesome if you ask me. So I'm going to give Marcus a high yield savings account and I'll see you in the", "next video.", "So I think it provides you with everything that you need for your basic banking needs.", "And if you compare this app to other mobile apps from other national banks,", "this is much more modern and is pretty intuitive and easy to use.", "So within the Marcus by Goldman Sachs app, which currently has 64,000 reviews with an average of", "4.9 stars on iOS alone, you're able to track your balances, net worth, connect external bank", "accounts for banking, as well as investments. See a breakdown of your portfolios if you are", "using the investment tools with them. As well as a list of all the things you can do to get", "your money back. So you can track your spending and savings by category and take care of all of", "those basic banking needs like depositing checks and all of that good stuff. I will also mention", "that they do currently offer a high yield certificate of deposit, also known as a CD", "with terms as short as six months going all the way up to six years. And that one has a rate of", "0.6% currently. And they also have a no penalty CD, which is one of my personal favorite financial", "tools. And while CDs are really not that great across the board right now, because of where", "interest rates are at, it is nice that they offer a high yield certificate of deposit. So if you are", "interested in buying a CD, you can get it at the dollar store. And I will definitely be keeping an", "eye on that in the future.", "Alright, so for the most part, I don't hate it. And I think there's a few things that they're", "definitely doing right, that allow them to beat out many of those other national banks that I", "mentioned earlier, especially in terms of interest rates. But if I'm being completely honest, I would", "still have a hard time understanding why anyone would go with Marcus by Goldman Sachs over one of", "the many much more advanced and higher end fintech companies like SoFi, Chime, Ally, and even", "Discover.", "SoFi is the design of all of those platforms that I just mentioned significantly better in my opinion,", "but they also have a lot more features. Several of them offer higher interest rates, even higher", "than 0.5% currently. And if your argument is that you'd like to have all of your financial tools", "under one umbrella, well, a company like SoFi has banking, investing, loans, credit cards, budgeting,", "and a ton of other financial tools right from an app on your smartphone.", "And the other huge difference here is that from what I can tell, and at least in my research,", "Marcus by Goldman Sachs is a very good company. And so if you're looking for a good company,", "you might be looking for one like SoFi.", "Now that said, I have to admit that這樣的 options and fintech companies like fintech", "options can work and can be two straight heavenly good МУЗЫКА and there is no one that actually", "does the same thing.", "And a cushion point here is usually your moins operation loo-we Char 좋은", "and says it works, but it only works when toe high-nos does not work.", "withdraw that money at free ATMs. So here's what I would say about all of this. If you currently", "have a bank account with one of those large national banks like Wells Fargo, Chase, or one", "of those, then maybe something like Marcus by Goldman Sachs would be a good stepping stone", "if you're not completely ready to ditch your national bank and jump to one of these modern", "fintech companies. But in my opinion, I just don't see the advantage here. I mean, I love the", "investing tools, especially their automated investing tool, which is always a huge plus in", "my opinion, but we're not talking about investing today. And as far as banking is concerned,", "I think that Marcus by Goldman Sachs leaves a lot to be desired. The interest rate is okay,", "but there's no way to quickly access your money. There's no way to spend your money.", "The banking features in the app are pretty surface level. And overall, there's countless", "features that many fintech companies offer that are just non-existent with Marcus by Goldman Sachs.", "So I like to make these reviews on these larger national banks every now and then,", "just to remind myself how fantastic companies like SoFi,", "Chime, and Ally are, and why I believe they are truly the future of banking.", "And if you're still on the fence about all of this, then definitely check out my video that", "I made on why you should ditch your national bank. And I'll leave a link to that up here", "because I think that will definitely convince you. So I would love to know your thoughts on", "the Marcus by Goldman Sachs high yield savings accounts and how you feel it stacks up against", "not only national banks, but also against many of the fintech companies that I mentioned in", "today's video. Personally, I don't think it's that great, but I know that everyone has different", "needs and different opinions on this sort of thing. So I would love to know your thoughts on all of this", "down in the comment section below. If you did get value out of this content and you want to help", "support me, the easiest way to do that is actually checking out some of my favorite financial tools", "down in the description below, many of which will give you some free money, which we always love.", "Be sure to hit the like button and subscribe to the channel for more content like this in the", "future. And of course, thank you so much for taking time out of your busy day to watch my", "video. I really do appreciate that so much. Take it easy and I'll see you in the next one.", "Bye." ]

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[ "The Health Savings Account?", "You might be thinking, why is Tae calling HSA the ultimate investment account?", "Isn't that just a place to save money for medical bills?", "Has Tae finally gone over the rails?", "I know he looks a little kooky, but I didn't think it was this serious.", "Don't worry guys, I have not gone over the rails.", "Not yet anyhow.", "And yes, HSA is a health savings account as his name implies.", "However, when we start unpeeling the layers, I'll show you why it could also be your", "ultimate investment account that not enough people are talking about.", "Hi, if you're new to the channel, my name is Tae from Financial Tortoise, a channel dedicated", "to helping the standard generation reach financial security.", "In this video, I want to talk to you about HSA and if you play by its rules right, it", "can actually be your ultimate investment account.", "But first, for those of you guys who might be hearing about HSA for the first time, or", "if you've heard of it before but don't know specifically what it is, let me explain.", "It's known news that medical costs have skyrocketed.", "Costs of medicine, procedures, and even doctor visits have increased faster than the rate", "of inflation.", "In order to mitigate some of the financial risks, insurance companies have started offering", "high deductible plans for many of its clients.", "With a high deductible plan, the insurance company provides coverage against catastrophic", "illness and injury at a more affordable rate.", "In exchange, the insured is responsible for paying the first medical bills out of pocket", "each year, ranging from $7,000 for an individual to $14,000 for a family.", "In order to help individuals and families handle these out-of-pocket costs, the HSA", "health savings account was created.", "The HSA is basically an IRA for your medical bills.", "However, as I'll cover later in the video, the way it's structured creates some great", "opportunities for an investor like yourself.", "At the time of this video, in 2021, you can contribute up to $3,600 for self-only coverage", "and up to $7,200 for family coverage.", "This will increase slightly in 2022.", "$3,650 for self-only coverage and up to $7,300 for family coverage.", "If you're 55 and older, you can contribute an additional $1,000 each year through HSA.", "This is not a huge amount, but it's a pretty big amount.", "This is called a catch-up contribution.", "But make sure to check Healthcare.gov for the latest updates.", "I have a link in the description below.", "One thing to note before I get into all the benefits of an HSA is that oftentimes HSAs", "are confused with FSAs, Flexible Spending Accounts.", "They're not the same.", "If you don't spend all the money with the FSA within a specific year, your account fund", "is forfeited.", "I know, because I had this happen to me recently, and it wasn't a pleasant experience.", "However, with an HSA, the money within the HSA is not as much as you'd expect.", "you use it.", "Now that we've covered what an HSA is, let me show you why this is the ultimate investment", "account.", "The few benefits of putting your money in a tax-advantaged account is the tax savings", "you get.", "With a traditional 401 or an IRA, you don't get taxed on your contribution.", "You're able to lower your taxable income by contributing your money into one of these", "accounts.", "Of course, you still need to pay taxes when you pull your money out, but that initial", "pre-tax contribution is pretty awesome because it allows you to put more money into your", "account.", "Then you have the Roth IRA or Roth 401 .", "From a tax perspective, it works on the reverse compared to a traditional 401 or a traditional", "IRA.", "Your contributions are taxed.", "However, you don't have to pay any taxes on your withdrawals.", "This is where the HSA gets pretty awesome.", "The HSA can take advantage of both tax treatments.", "Like a traditional IRA, you can fund this account with pre-tax money.", "And like a Roth IRA, you can withdraw your money tax-free.", "You get the best of both worlds.", "I know what you're thinking.", "Okay, Tae.", "That's great news for my kids.", "I'm going to go back to my work.", "I want to make sure you find a better common money from Soviet", "alphateil.", "Also on Facebook, I remember checking some other media before Trojan.", "into your HSA if you don't want to. You can just pay out of pocket. And this is great because if", "you have your HSA fund in an appreciating investment like a good low-cost index fund,", "you can let it continue to grow like your regular retirement account. And let's say you do want to", "tap into this account. As long as you save your medical receipts, you can withdraw money from your", "HSA tax and penalty-free anytime. And this can be many many years later. So what you have here is", "the ultimate legal tax sheltered account that if you ever need the money for medical expenses,", "it will always be there. However, even if you don't, it would grow like any of your other", "investment accounts. Tax-free. And if you wanted to pull any money from it, we can just use some", "of the medical receipts that we saved in the past and reimburse ourselves tax-free from the HSA", "account. If we're fortunate enough to remain healthy until we turn 65 without tapping into", "the HSA, then the HSA will be identical to a traditional IRA for non-medical expenses. We", "can begin withdrawing money from it for any expenses after we turn 65 with that penalty.", "We would also be able to use the HSA to pay for the HSA. So if you have any money left over,", "awesome investment vehicle, a couple practical action steps to maximize its function.", "1. If you have a high deductible health plan , open a HSA account.", "2. Max out your contribution. This will help in lowering your taxable income. As I stated earlier,", "the contribution limit for 2021 is $3,600 for individuals and $7,200 for families.", "3. And this is a key step. Invest the HSA. Don't keep it in a", "savings account because inflation will completely destroy its value in the long run. Treat it like", "a retirement account and invest the balance in a low-cost index fund.", "4. Don't use your HSA to pay for medical bills. You want to allow the money in your HSA to grow.", "Unless it is a major expense, try to pay for all your medical bills from your regular checking", "account. 5. Hold on to all your medical receipts.", "More receipts you have, the more you can withdraw tax-free down the line. Make sure to keep them in", "a safe place. I'd recommend scanning and uploading them all to the cloud for safekeeping and", "maintaining an itemized list. 6. Once you hit age 65, treat your HSA as a traditional IRA.", "Assuming you turn 65 and you don't have enough medical receipts to fully withdraw your account,", "you can use the HSA for ordinary expenses in the same way that a traditional IRA can be used.", "I hope I was able to help you understand why HSA is such a powerful investment vehicle and what are", "some next steps if you have a high deductible health plan. The bottom line is that anyone who", "has a high deductible insurance plan should definitely fund an HSA. The IRA wants you to use", "it to pay for your medical bills and you can use it to pay for your medical bills.", "If you want to learn more about HSA, I recommend checking out a pretty amazing article", "that Brandon the Mad Scientist wrote on his website. I'll have a link to his website and", "the article in the description below. He is seriously one of the smartest guys I know in", "the personal finance early retirement space and you won't be disappointed.", "Please let me know in the comments below what you thought about this video. I'd love to know", "if any of you guys have taken advantage of the amazing benefits of HSA. Thank you guys for", "watching. If you found value from this video, please hit the like button, leave a comment, and subscribe to the channel.", "So that you don't miss out on any of my other upcoming videos. I firmly believe that being part", "of the Sanjay Generation doesn't have to mean financial stress. With careful planning and", "preparation, we can thrive in this stage of life. Help me spread the knowledge. Thank you again.", "I'll see you in my next video." ]

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[ "So as we know, banks are businesses, right? They need to make a profit.", "And anything that they offer you is taking away from potentially what they could give you as interest.", "And so banking used to be a way where they said, okay, if you would put money with us, we will give you some type of interest.", "And gradually as interest rates fell, it became a place where put money with us and we're going to even charge you fees and not give you any interest, which is crazy.", "And the reason is banks have overhead and they still need to make a profit.", "And as Americans, we think, okay, well, we need a bank and most of us do.", "So what's another way to bank that's not going to cost as much?", "Over the past 10 to 15 years, online banks have started popping up.", "And what they do is they cut out those brick and mortar locations.", "So if it's not that big of a deal for you to walk in and talk to a teller and get a lollipop and go through a drive-through and you're okay doing everything online or through ATMs,", "you can actually go with purely online banks who will give you a very good interest rate even on checking accounts.", "Right now, as we record this, there are banks that will give you a very good interest rate even on checking accounts.", "So if you don't use those conveniences of a brick and mortar bank, consider switching over to an online bank.", "And you can check the rates online.", "Just Google current bank rates.", "If you're looking for a checking or a savings account, you can Google checking interest rates or savings interest rates.", "Now, I'm not saying that brick and mortar banks are bad.", "I personally bank at a brick and mortar bank because we also have business.", "And it's important for us to have a relationship there.", "But if banking isn't that big of a part of your life, you might want to consider switching over and start earning some interest in the money you have saved with them.", "Thank you so much for watching our video.", "If financial literacy is something that is important to you, please consider subscribing to our page.", "Our goal is to teach you everything that we know about finances so you can apply it to your life and your situation.", "So click the subscribe button.", "We hope to see you at the next video.", "Thank you." ]

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[ "Travel Rewards credit card. This is a flat rate rewards credit card that earns one and a half", "points per dollar spent. It doesn't matter where you're shopping, whether it's gas stations,", "grocery stores, airlines, hotels, whatever it is, you're earning one and a half points per dollar", "spent. Now also your points do not expire and there's no limit on how many points you can earn", "with this credit card. So we'll talk about redemption options for your points here in a", "second and the value of your points here in a second, but let's just assume that they're worth", "one cent each. That means that you're basically getting one and a half percent back on all", "transactions. On top of that, this card does not charge any foreign transaction fees, so you can", "use it outside the US just like you would inside the US and you won't incur a fee in the process.", "There are a lot of credit cards out there that charge 2.7% to 3% foreign transaction fees,", "but again,", "you don't have that with this particular credit card. Now, one thing you may want to look into,", "whether you get this card or another Bank of America credit card is the Bank of America", "preferred reward system, which essentially compensates you for your loyalty to Bank of", "America. We have an entire guide on our website all about this. If you're watching on YouTube,", "I can link that down below in the description. If you're on our website and you're watching", "this from our full written review of the card, we have a lot more information on this page. We", "have a lot of information on the preferred reward system, so if you're watching on our website,", "we do usually have a full list of the redemption options and the estimated values for your points.", "So if you want to check that out, it should be here on the page, or if you're watching on YouTube,", "just check the link down below in the description. You can see the main redemption options for your", "points with this card are to book travel via the Bank of America Travel Center. That's kind of", "like using Expedia or Kayak. You can also get a statement credit for travel,", "dining purchases. You can get cash rewards that are a check or a direct deposit,", "and then you can get gift cards. Now, generally, the best use of your points are those first two", "options. So if you're earning all these points with this card and you want to go redeem them", "for a big trip, you can book travel through that Bank of America Travel Center. The one thing you", "want to make sure you look into is that just like when you're using Expedia or Kayak or whoever it", "is, you want to price compare. You want to make sure that the price that you're going to pay", "through this system is the same as the price that you're going to pay through this system.", "Is the same as if you are going to book directly with the hotel group or the airline,", "or you're getting a better price. Make sure you check into that, but that can be a really", "convenient way to redeem your points. And it can be a really easy way to book travel.", "Now, on top of that, you can also get a statement credit for travel and dining purchases.", "And those would include everything that you see here on the screen. So flights, hotels,", "vacation rentals, baggage fees, restaurants, takeout, et cetera. Now, one thing I have to", "point out is that everything I mentioned in today's video is accurate as of when we're", "publishing the video. All the current information is in our full written review on our site. So if", "you want to make sure everything is still accurate, that's where you go. Now, other than those first", "two options to book travel via the travel center or to redeem as a statement credit for dining", "or travel purchases, you can also choose to get cash rewards, as I mentioned, or gift cards.", "But I think for the most part with this particular card, your best options are those first two", "options. Also keep in mind that this card does come with certain insurance items and", "consumer protections. I won't list them all in today's video. You can find a more robust list", "on our website in our full written review and certainly on Bank of America's website.", "But I would say overall, this card is a good starter travel credit card. Maybe you don't", "travel every day for work, but you do want to be rewarded in certain categories and you want a card", "that doesn't charge any foreign transaction fees. This one is worth looking into. But that's about", "it. Hopefully you enjoyed this quick overview video. Have a great day.", "Thank you for watching." ]

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[ "The only person who's going to get robbed is you.", "When you use your debit card, you could use it for the next 50 years, 20 times a day,", "you will not raise your credit score by that much.", "And, of course, when you use your debit card, you are liable up to a certain amount,", "and it takes a while in order to get that debit card fixed.", "So when we do post-investigations at breaches, and we say to someone,", "on your incident, what happened?", "Well, I was in Target, but I used a Visa card, so I don't know, nothing.", "They canceled my card the next day.", "Two days later, FedEx sent me a new card, and that was the last I heard about it.", "What about you?", "And I used the debit card there.", "It took $3,000 out of my checking account.", "It took me two months to get my money back while they said they were investigating.", "I had to pay my rent, had kids' tuition, everything.", "I couldn't pay it because they had my money." ]

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

[ "individual to make informed and effective decisions with all of their financial resources.", "It is also called financial literacy and it's extremely important in order for you to make", "progress and get ahead in life. If you are looking for improvement in your personal and financial", "life, you might be looking for financial freedom and financial independence. It means that you", "want to reach a point in your life where you no longer have to depend on family, a job, or a", "company that you don't like for money. But there is another concept that I like you to understand.", "It is financial confidence. It is different from financial freedom. This is because freedom is", "based on the amount of money that you have available, while financial confidence is based", "on your confidence and acumen to generate money. Now, here's the thing. Most people think that", "there is a money scarcity.", "They think that there is no money and making more money is impossible. But this is deeply untrue.", "The truth is, the world is littered with money, but only those with the skills and knowledge can", "acquire it. Money is like a game, and it has a bunch of rules that you just have to follow.", "Play according to the rules and you will become the master of your financial life, guaranteed.", "In this video, I am going to teach you the four most important rules of money,", "which are the most important rules of money, and the most important rules of money,", "which are the basics of being financially free, financially confident, and financially literate.", "These simple rules that I will give you today will elevate your money game and take you to a", "whole other level you've never seen before, as long as you are hungry and dedicated.", "I'm going to give you all of this information for free. I don't sell books, webinars, or online", "courses. All the knowledge on this channel is free, so if you want to show your appreciation,", "click that like button and the subscribe button right now.", "It is actually very fascinating how all this information is becoming more and more available", "every day, for very cheap or even for free. And everything is easily accessible with a", "couple of Google searches. So even if everything is at their fingertips,", "more than 90% of the population is still financially ignorant.", "Let me give you a quick example.", "Peter just got his monthly paycheck. After tax, he's left with $1,700. Instead of using this money", "to invest, save, or anything else that might be useful, he decides to waste it on a couple of", "barbecues with friends and many other useless liabilities. Are you a Peter? Because there are", "unfortunately a lot of financially ignorant people today, but the thing is, if they can", "change a few bad habits and develop a rich mindset, just about anyone can become rich.", "There are", "no rich people that are financially ignorant. Except, of course, for those that got lucky.", "For example, stumbling upon a large inheritance or winning the lottery.", "However, statistics show that 70% of lottery winners end up bankrupt after just a few years", "of being extremely rich. Why is that? Again, it all comes down to how financially educated one is.", "If you have a lot of money, you will still make bad decisions and lose it all", "because you don't know what to do with it. So, if you want to become a rich person,", "you must have a good mindset. If you want to become rich long-term, and not just for a couple of years,", "you have to get financially educated. Unfortunately, this kind of education is not taught in schools,", "so you need to do it by yourself. So, all the information is easily accessible,", "and this raises the question, why don't people learn more about finance? There are two main", "reasons why people don't get the financial education they need despite it being extremely cheap and in some cases completely and totally worthless.", "Most people will give you a mindset of scarcity, and if your mindset is wrong,", "you will never attract money. For example, growing up, your parents might have been telling you,", "money doesn't grow on trees, and money is the root of all evil. These lies that people tell", "their kids are stopping people from taking the necessary steps to a better life financially.", "Another conventional concept that is widely thought but is extremely wrong is the negative", "connotation towards debt. Debt is not that bad if you know how to use it, but still,", "people demonize it because they don't have the appropriate education.", "So, you have to stop listening to those that aren't financially literate and financially confident.", "You should start listening to those that actually know how to generate money because they are the", "ones that can give you tips on how to become financially educated. Just like in a special,", "sport, for example skiing, you don't want to learn how to ski from someone that has never skied", "before. You want to learn from somebody that already knows how to do it. Apply this to your", "financial education and you'll learn very fast. Reason number two, comfort zone and self-esteem.", "In order to generate money, it's believed among the rich that,", "you need to be confident and have decent self-esteem. Self-image is important,", "and you have to first of all, believe that you truly deserve to be wealthier and happier.", "If you don't, you will never become rich. Think of it like a self-fulfilling prophecy,", "you have to see yourself rich first. This confident, charismatic, rich image you see", "yourself in your mind will give you the needed confidence to continually act out of your comfort", "zone which is very important. A very successful person once said,", "most people are not successful because they are afraid of success. This is true.", "In order to become successful, you have to step out of your comfort zone and step out of your", "comfort zone and take risks. For example, if you want to start your first business but you don't", "have any money, you might first of all have to take the risk of getting a loan from your bank", "and putting yourself in thousands of dollars in debt which is out of a lot of people's comfort", "zone. Charisma and confidence are some of the key ingredients you need to become rich.", "If you don't have the confidence to take action, you'll never become rich.", "So, before actually getting into financial education, you have to first work on yourself", "and your mind.", "When it comes to risk taking and failure, confidence will give you the strength and", "the courage to take risks and perform under pressure. So, now that you know all about why", "people don't get financially educated and the importance of it, let's get started with the", "four most important rules of being financially educated.", "Rule number one. Don't invest in what you don't understand. Investing is very important,", "especially when you want to multiply your money. Here's the thing, you will never, ever get rich,", "long term, by working for someone else. You have to start investing. There are many types of", "investments, such as stocks, bonds, real estate, and forex, just to mention a few. But I want you", "to know the single most important investment, and that's in yourself. Invest in yourself.", "Before investing in anything else, you have to invest in the development of your money-making", "machine, your brain. Getting the knowledge necessary to operate a business, financial", "education included, is the most important. You have to invest in the development of your money-making", "brain. Getting the knowledge necessary to operate a business, financial education included, is not", "on what's going on. Stay up to date on all information that matters to you and to your", "success. Invest in your business. If you buy or create a business, you will probably at one point", "want to expand it. If you want to do so, you need to put some money into your business in order for", "it to grow. It's like a car, in order to make it run, you have to put gas in it. And a business", "is no different. In order to keep growing, it needs to be fed money. Investing in your business", "might be anything from marketing to research or developing a new product. Invest in real estate.", "Real estate investing, like other investments, are basically buy low and sell high. A simple concept", "with very complicated steps. Most real estate investors start with regular homes, then they", "move to commercial real estate, hotels, big commercial centers, offices and more. Basically,", "you find units, structures, with potential that have been mistreated. You fix them up,", "you wait for the price to rise, and then you sell that unit in order to make a profit.", "Invest in stocks. Stocks, or shares, are literally part of a company that is for sale to the public.", "When buying stocks, you have the right to a part of the profits of that business,", "which is the equivalent of your initial investment. Just like any other investment,", "the stock market is pretty risky, and there are a lot of people that lose a lot of money with it.", "So, these four are the most important and well-known types of investments.", "However, independently of the type of investment that you choose, you have to know what you're", "getting into. There are rules to follow, but equally, there's a lot of misleading information", "out there. A lot of people are willing to scam you just to take your money. So, you have to be very,", "very careful who you listen to, do heavy research before putting your money in something new,", "or seek advice from a professional in that industry, preferably someone with skin in the game.", "Invest in real estate investing. So, these four are the most important and well-known types of", "investments that you should consider. Remember this rule, never invest in something that you do", "not understand. Rule number two, debt is a powerful but deadly weapon. This one might", "be controversial, but the power of debt is underrated. All those that know how to use it", "will thrive, while those that are scared of it will miss a lot of opportunities.", "There is good and bad debt. Bad debt is anything that you know that you won't be able to pay off,", "for example, student loans. This is extremely painful, and it destroys", "the financial life of many people. We shouldn't ask 18-year-olds to make financial decisions of", "hundreds or thousands of dollars without considering the consequences. So, be careful", "with that one and only get in debt if you know what you're doing. On the other hand, good debt", "is the type of debt that you're absolutely sure you'll pay off, or you have a plan to pay it off,", "and it will also make you money. Getting in debt is a tool that you can use to get rich.", "For example, you might want to get a loan in order to start your business. If all goes as planned,", "you will pay off your debt. You will be able to earn a lot of money, but it will not be enough for", "you to get rich. You will be able to get rich, but it will not be enough for you to get rich.", "And you will be free to expand your business as long as you're always paying off your dues.", "Rule number three. Thank rich. Thinking rich is seeing yourself rich and acting rich.", "Essentially, you are playing the role of a rich person, and this might include living", "above your means. Living below your means is a defensive concept invented by financial gurus", "that to the most part is solid wisdom. I mean, we shouldn't live way beyond what we can afford,", "because that is how people end up in serious financial trouble.", "As long as you're disciplined and wise about what you're doing with your money,", "you have to also spend your money on things that give you confidence and make you feel good.", "Do you really think that depriving yourself of a couple of coffees at Starbucks will make you a", "millionaire? Instead of living below your means and saving a penny here and a penny there,", "start gaining new skills that will make you money in order to support your desired lifestyle.", "This single trick will have a huge impact on your mindset. You'll start seeing opportunities", "in places where you can make money. Rule number four. Debt is not a good thing. You have to give", "That's why you need to develop skills.", "are things that take money out of your pocket. Your brain is your biggest asset, and you can develop", "it in order to be even more valuable. There are skills that are very demanded in the marketplace,", "and they all have two things in common. One, they bring a lot of value to the market.", "Two, they make you a lot of money. So instead of working for someone else,", "start developing skills that will help you generate income from nothing. Just by delivering results to", "the market.", "Figure out what best fits your abilities and develop your first high income skills in order", "to gain the resources necessary to acquire more and more assets.", "Well that's it for today's video.", "I hope you enjoyed it and gained value from it.", "If you did, give it a big thumbs up.", "Also, leave your thoughts down below, I'd love to hear them.", "With that said, don't forget to subscribe and enable notifications.", "Thanks for watching and I'll see you in the next one." ]

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[ "और फोन पे पर पेमेंट करा, पेमेंट सक्सिस्फुल भी हुआ और आवाज भी आई", "लेकिन जब मैंने चेक किया तो मेरे फोन में वो पैसे आई ही नहीं", "तो मैं इसके बारे में आई हूँ कि वो पैसे की दुकान कर रहा है जो मुझे टेक प्लस गैजट ने बताया था", "कि मार्केट में बहुत सारी नकली फोन पे, पेटियम, गूगल पे की एप चल रही हैं", "तो अगली बार अगर कोई UPI पेमेंट करें तो अपने फोन में पहले चेक कर लें", "इस एप के लिए मुझसे मत मांगना हो और अगर आप पकड़े गए तो आप पे फ्रॉड का केस पढ़ सकता है", "तो शेयर कर दो इसको ज़्यादा से ज़्यादा लोगों तर पेशली अपने दुकानदार वाले भाईयों के साथ" ]

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[ "तो यहाँ पे bank account को लेकर minimum balance में", "यहाँ पे जो RBI है उसने यहाँ पे जो नई guideline है", "वो चारी कर दे है", "अब मैं आपको दादा हूँ आपका हो सकता है", "किसी ना किसी bank में खाता हो", "आप उस खाते को अगर maintain नहीं कर सकते हैं उसमें पैसा नहीं रख सकते हैं", "उसी को लेकर के RBI की जो नई guideline है वो यहां पर जारी हो चुकी है", "नई guideline के तहट अब आप क्या कर सकते हैं उससे आपका क्या फाइदा हो सकता है", "और आप कैसे उसका जो benefit है नई guideline का वो आप ले सकते हैं", "सारी जानकारी हमने आपको आज इस वीडियो में बताई हुई है", "तो प्लीज वीडियो आप लोग सुरू से अंत तक जरूर देखेगा", "अगर आपका भी पैसा कट रहा है और आप भी अपना खाता है वो maintain नहीं कर पा रहे हैं", "हो सकता है आपके साथ में कोई problem चल रही होगी", "तब भी ये वीडियो आप लोगों के लिए बहुत सादा helpful है", "चलिए वीडियो को हम शुरू करते हैं", "देखें bank account में minimum balance लेकर RBI ने जारी कर दिये है नई guideline", "वो तो मैंने आपको यहां पर बताई दिया है", "अब मैं आपको बताता हूँ", "RBI new guideline minimum balance in bank", "अगर आपका भी खाता है bank account में", "तो ये खबर आपके लिए बहुत जाता जरूरी है", "आपको बताते हैं", "अभी हाल में है RBI के ओर से", "bank account में minimum balance को लेकर", "एक जो नई guideline है", "वो यहां पर जारी की गई थी", "जिसके चलते आपको बताता है", "कि account balance जीरो होने पर भी", "अब आपको जो penalty है", "वो आपको नहीं देने बड़ेगी", "ठीक है ना", "आपका खाता जीरो भी है", "तो वो आपको यहां पर नहीं देने बड़ेगी", "तो आपका अगर एक से ज़्यादा खाता है", "और वो आपको खाते maintain करने हो", "तो हो सकता है कि आप सारे जो खाते है", "वो maintain नहीं कर पा रहे हो", "तो इसके चलते आपका जो खाता है", "वो आपका यहां पर minus में चला जाता है", "फिर आपको वहां पर जो penalty है", "वो देनी पड़ती है", "ऐसे में जब आपका बैंक से खाता बंद करने के लिए कहते है", "तो कई बार आपसे minus में जो पैसे है", "वे आपको भरने पड़ते है", "बैंक आपसे कहता है", "कि आपको जितना भी जो आपका minus का पैसा है", "वो आपको भरना पड़ेगा", "आज हम आपको बताएंगे कि इसको लेकर", "Reserve Bank of India यानि RBI का", "जो नया नियम है वो क्या कह रहा है", "आप उससे कैसे यहाँ पे बात कर सकते हैं", "देखिए बैंक नहीं बसूल सकता है पैसे", "सबसे पहली बात आपको बताते हैं", "अगर आपका भी बैंक अकाउंट है", "और आपने अपने बैंक अकाउंट में", "Maintain Balance नहीं किया है", "तो आपको Balance Zero हो सकता है", "लेकिन Minus में नहीं किया जा सकता", "नहीं जो Quiet Line है", "अगर आपके खाते हैं माली 2 खाते है", "3 खाते हैं आप उसको Maintain", "नहीं कर पा रहे हैं आपका थोड़ा बहुत पैसा", "है वो काट लिया बस उससे", "जादा वो उसको नीचे नहीं कर सकती है", "ये नई Quiet Line है ठीक है", "Minus में आपका खाता नहीं होगा मैं आपको", "बता दे रहा हूँ ठीक है अब देखें ऐसे में", "कई बार क्या होता है आपका जो बैंक होता है", "उसमें Minus में शो करता है लेकिन", "बैंक ये पैसा नहीं ले सकता है", "ठीक है आपसे ये नहीं कह सकता", "कि आपका जो Minus वाला पैसा है", "वो आपको चुकाना होगा ये नई Quiet Line है", "पहले तो आपको देना पड़ता था", "लेकिन अब आपको पैसा नहीं देना है", "जो आपका कट चुका है वस वहीं तक", "को सेमित है Minus में आपका जो खाता है", "वो आपका नहीं होगा", "देखिए RBI Bank Account Zero Balance", "को लेकर क्या कहता है मैं आपको बदावन देखिए", "RBI को इसे लेकर एक Guideline है", "जो ये कहती है कि अगर", "आपका Bank Account में Minus पैसा", "Bank Account Minimum Balance शोक कर रहा है", "तो इस सूरत में एक भी", "रुपया Bank को नहीं देना होगा", "यानि आप अपना जो खाता है", "वो बिलकुल Free में बंद कर सकते हैं", "अगर आपको खाता इस्तमाल नहीं करना है", "आप Maintain नहीं कर पा रहे हैं", "आप उससे Maintain के जो", "Charges के पैसे हैं वो आप यहाँ पे", "नहीं ले सकते हैं", "मान लीजिए अगर आपका खाता Minus में", "चला गया क्योंकि कई", "Bank ऐसी हैं शातर है वो Bank", "वो RBI की भी यहाँ पे नहीं मानती", "SDFC Bank, ICICI Bank", "Axis Bank यह अपनी मनमानी", "करते हैं यह खाता Minus कर देते हैं", "लेकिन आपको दिखाएंगे", "नहीं जब भी आप उसमें पैसा डालते हैं", "तो वो आपके खाते से पैसा", "काट लेंगे यानि कि कई लोग", "ऐसे हैं जिनका SDFC Bank में अकाउंड है", "उनका कहना है कि हमारा", "बैलेंस जीरो सो करता है लेकिन जब भी", "हम उसमें पांसो हसार तो हसार", "रुपए डालेंगे तो बैंक काट लेगा और", "वो ट्रांजेक्शन में भी वहाँ पर नहीं आता है", "ऐसे में हम क्या कर देखें मैं आपको", "दा दू यहाँ पर RBI का जो", "नया नियम है वो क्या कह रहा है अगर", "बैंक Minus चार्ज बसूलता है तो आप", "कर सकते हैं शिकायत ठीक है न", "मैंने आपको दा दिया अगर कोई", "बैंक आपके अकाउंट को Minus में", "डालता है और खाता बंद करने", "के लिए Minus Balance बैंक अकाउंट", "minimum balance चुकाने के लिए कहता है तो इसकी शिकायत आप RBI को कर सकते हैं अब देखिए आपको", "शिकायत कहां करने है स्क्रीन पर मैं आपको बोल रहा हूं आपको देख जाएगा देखिए banking ompadsman.rbi.org.in", "ब्लैक कर दिया आपको कंपटिव तो आप यह वेबसाइड आप देख लीजिए इस पर जाकर आप RBI से कंप्लेंट कर सकते", "तरह कोई पैंक आपको परेशान कर रही है आपको दबाब बना रही है कि आपको पैसा भरना ही बना है तो आप यहां", "कुम्पलेंट कर सकते हैं ठीक है और शिकायत को दर्ज करा सकते हैं इसके अलावा आप आरबिआई के हेल्पलाइन", "नंबर पर भी शिकायत कर सकते हैं इसके बाद कि खिलाफ कार्वाई की किया जा सकता है शाथ ही आपका कोई भी", "नहीं हो पा रहा है आप minimum balance नहीं रख पा रहे हैं तो", "bank आपके खाते को minus में नहीं कर सकती जो पैसा आपका होगा उसको", "जरुर काट सकती है और अगर आपको वो खाता बंद करना है तो ये", "जरूरी नहीं है कि आपको पैसा भरना फ़री minus वाला या जो भी", "कम्पलेंट कर सकते हैं, यह website है, इसक्रीन पे आपको दिख रही होगी, इस पर जाकर के आप RBI को", "बैंक की कम्पलेंट दे सकते हैं. फीडियो देखने के बाद, अगर आपको कोई समझ में नहीं आया हो,", "तो आप का ग FCC 2027 आपको मेंटन नहीं कर बार रहे हैं आपके घाता मायनेस में चला जा है तो आप हमें कमेंट", "कर सकते हैं अगर हमसे सब्सक्राइब सब्सक्राइब Channel को subscribe", "स्क्राइब कर सकते हैं और अगर आप इस वीडियो को फेस्बุ налय पर समाया के मतलब करें और कह सीर्ट को изв", "कर दो" ]

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[ "Hello.", "Hello sir, good morning.", "Good morning, who am I speaking with?", "My name is Francis Wobinna, I'm calling from your bank.", "My bank?", "Yes sir, we noticed someone trying to access it and we are trying to help you secure your account.", "Oh, okay.", "Am I speaking with Mr John Sinovey?", "Yes.", "Okay, your date of birth is 12th of November 1988 and your BVN is 123-234-5673, is that correct?", "Yes, yes.", "Okay, sir, can you read your ATM number to me and the 3 digit ID back?", "Why, if you're calling from my bank, you should know that.", "Which of my banks are you calling from?", "Your bank now, don't you know your bank again?", "Just quickly give me those details so I can help you secure your account.", "I should give my details to a criminal like you.", "No, no, I want to...", "Don't fall victim.", "Your bank will never call you on a Sunday or any other day to ask for your banking details or any other personal banking data.", "Please be vigilant and report any suspicious calls or activities to the bank.", "Say no to cyber fraud.", "Thank you." ]

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[ "Are you looking for a one-stop solution to stay on the top of your investment journey?", "Well, you need not look any further.", "Here's the Share Market IPO app which has it all.", "With this app, you will have access to in-depth analysis of all the current, upcoming and past IPOs.", "Just click on the More Information segment and you can get all the information about the company.", "You can also directly apply to the IPO, check your allotment status and the grey market premium price, all at one place.", "Now, understanding the importance of being up-to-date with the markets,", "this app brings you with a collation of important news articles, corporate actions,", "like which companies paying dividends, issuing bonus shares, announcing splits, buyback and much more.", "Something more interesting, you can also view the holdings of leading investors like Rakesh Jhunjhunwala, Radha Krishnadamani, Ashish Kacholia and many more.", "This app also brings you with a range of technical indicators to help you make informed trading decisions.", "You can also explore the global markets and see the international market trends.", "Thank you for watching." ]

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[ "जिसने 34,000 करोड़ रुपे का देश का सबसे बड़ा बैंकिंग स्कैम किया", "DHFL ने 2010 से 2018 के बीच", "Union Bank of India और 16 दूसरे बैंकों से 42,000 करोड़ रुपे का लोन लिया", "ताकि इस पैसे को DHFL पब्लिक को दे सके एज़ा होम लोन", "फिर साल 2019 में सभी fake accounts को NP डिक्लेर किया गया", "और CBI की इंवेस्टिकेशन में पता चला कि सारा पैसा DHFL के promoters खाग", "अब रिसेंटली अविनाश भोसले जो involved था इस DHFL स्कैम में", "अब रिसेंटली CBI ने अविनाश भोसले के घर से", "अगस्ता वेस्ट लेंड हेलिकॉफ्टर को सीस किया", "बाकि आप कमेंट करके जरूर बताना", "कि ऐसे स्कैम करने वालों के लिए देश में क्या लोने चाहिए" ]

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[ "You said something like that.", "Yes, he did.", "And then you stopped.", "Did you elaborate?", "I truly believe it.", "I think it's as transformative as the Internet itself.", "It's going to affect all parts of our economy, whether it's radiology, whether it's driverless cars.", "But in finance, it's already being adopted.", "It's being adopted for call centers, for compliance, robo-advising, brokerage apps, something called sentiment analysis, where even this hearing right now might be being fed right into a sentiment analysis to analyze.", "And would the markets go up or down, depending upon what the chair said?", "This is Chair McHenry, not this chair.", "Yes.", "We'll have a picture up soon.", "Yeah.", "Very nice.", "What are these jokes?", "So it's transformative, but it also raises public policy issues.", "And one of them that we're looking at at the SEC is using predictive data analytics in robo-advising.", "And in brokerage apps, are the applications just solely looking at the interest of the investor, or are they also looking at their own interest?", "And that might inherently have a negative effect.", "I think college and social studies, I think, sometimes go past the point that I used something that doesn't really relate to social media.", "So I'll give you five donner where you end up learning what's good for you." ]

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[ "with American Express well I'm going to tell you what would be the easiest", "American Express credit card that you can get and the reason why you want to", "get it first off with American Express a lot of people are under the impression", "you have to have a great credit score 700 that's not true okay that's number", "one that's not true that you have to have a perfect credit score in order to", "get a credit card from American Express number two American Express they give", "you your vantage score for free your vantage credit score for free now here's", "the problem with that they do not pull your advantage score in order to help", "you qualify for an American Express credit card they actually pull your", "FICO 8 credit card okay", "they pull your FICO 8 credit card your fight as a matter of fact it's your", "FICO 8 bank card now lately American Express has been doing two pulls one on", "the Experian which they will pull your Experian FICO 8 and then they'll pull", "your TransUnion FICO 8 now if you're trying to avoid the double pull with", "multiple inquiries on your credit file then I would suggest if you're going for", "American Express to lock up your TransUnion and they'll still pull from", "your Experian", "that being said in terms of what is the easiest credit card that you can get", "from American Express well one of the easiest credit cards I always tell", "people to go for is the American Express go delta card the reason is is", "because you can have at least a 660 credit score and you can get qualified", "for this card now another interesting thing about this what American Express is", "even if you never had a credit card with them you can actually pre-qualify before you even actually", "accept that credit card okay you have to excuse the light guys that's right you can actually", "pre-qualify so now if you already have an american express account and you have a card", "and you're trying to uh get pre-approved for other credit cards what you would have to do" ]

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[ "them to get your accurate credit scores. And then a few months after that, I released another video", "about exactly how you can get your most accurate credit scores. But then I started getting a lot", "of comments from you guys about how you use Chase or American Express or Capital One or Discover to", "monitor your credit scores. So instead of responding to each and every one of those", "comments about whose credit monitoring is the most accurate, I figured I'd just make a video.", "So let's go. Chase credit journey. Nope. City. Yep. Discover. Yep. Credit wise by Capital One.", "Not even close. American Express. Yep. Now what you need to understand about each one of these", "credit scoring models, whether they're accurate or not, is that they only show you one credit", "score from one single bureau and it's kind of spread out all over the place. Now, in my opinion,", "there's only one way to see all of your industry specific credit scores from every single credit", "bureau. And that's myfico.com. Now, if you ain't got 40 bucks a month to spend on myfico.com or", "even spend that one time, then you're going to need to go to nineficos.com where you can get", "all your industry specific credit scores for just $1 for a seven day trial. If you need more info", "on that, check the link in my bio. Follow for more tips and", "increase your credit scores." ]

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[ "which is a flat rate credit card that I think will be a really good option for a lot of people", "out there. And I'll explain why here in a second. But just so you know, we do have a full review", "that's on our website. So if you have any questions, if you want to learn even more about", "the card, definitely check out that full review. If you're watching on YouTube, I will link that", "in the text below the video screen in that video description. Let's start off by talking about the", "rewards for this card. They're really simple, but I do think that's a strength for the card.", "It earns unlimited 2% cash rewards, meaning it basically doesn't matter where you're spending", "your money on a daily basis. Could be at the grocery store, Walmart, travel, gas stations,", "whatever. You'll be earning 2% cash rewards. And I think for a lot of people, that's the best", "option. Rather than worrying about maximizing different categories, you just pay with one card", "and you earn competitive rewards. So that's the main thing with the card, but there is more to", "know. For instance, if you're a credit card user, you can get a credit card with a credit card.", "It has a $0 annual fee, so it's not costing you anything to just keep it in your wallet,", "even if you barely use the card. Also, in terms of your cash rewards, you can redeem those in a", "few different ways. You can get a check, you can apply as a statement credit, you can direct", "deposit into a Wells Fargo checking or savings account, and you can also withdraw from a Wells", "Fargo ATM. Honestly, I wish there were a few other options there, but it's pretty much standard for", "a flat rate credit card. Now, one thing that is somewhat unique about the card is that it's not", "actually a credit card. It's actually a credit card with cell phone protection, and you can see", "the details for that here on the screen, or you can read about it in our full review. I would say", "this is something that we have seen with other no annual fee cards, but it's just not all that", "common. Now, in addition to that, the card does come with a pretty impressive list of added", "features like certain insurance items and consumer protections. I won't go through the full list in", "the video because they may change over time. You can read about those in our full review. But one", "thing I do want to highlight is that it's not just a credit card, it's a credit card with a credit card.", "Unfortunately, the card does charge a foreign transaction fee of 3%. So if you travel outside", "the US and you do use the card, you'll be charged 3% on each transaction that you make. I don't", "think it's a deal breaker. You can get other cards that do not charge foreign transaction fees. So if", "you get this card, maybe it's your daily driver, but you do travel outside the US here and there,", "you may want to look into a more travel oriented credit card just so you don't have to pay a foreign", "transaction fee. So if you get this card, maybe it's your daily driver, but you do travel outside", "the US here and there, you may want to look into a more travel oriented credit card just so you don't have to pay a foreign transaction fee.", "Just make sure that the card you do end up going with does not charge foreign transaction fees. And we have a full guide about the best travel credit cards that's on our website. If you're watching on YouTube, I can link that in the video description below. But that's it for the video. Just a very quick overview of the card. Look, I think it's a really good option for people. If you don't want to worry about different categories, if you just want a solid cash back credit card, it's a great way to go. Make sure to check out our full review. Thanks for watching the video. Have a great day.", "And I'll see you in the next video." ]

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[ "ओ, I'm so sorry ma'am, लेकिन इसमें तो हम आपकी कोई मदद कर ही नहीं पाएंगे", "मैंने RBI की Customer Protection Act पढ़ी है और मुझे पता है कि इसमें मेरी कोई liability नहीं है", "ma'am, मैं पूरी कोश्च करता हूँ अपने end से कम से कम नुकसान करवाने का आपका लेकिन आपको 10,000 तो भरने ही पढ़ेंगे", "but as per RBI, if customers report fraud transactions within 3 working days तो इसमें customer की कोई भी liability नहीं है", "मतलब, सीख के कहां से आते हो अब ये सब मुझे बताई दो", "B की फायदी को फॉलो करते हूँ, आप भी कर लो" ]

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[ "be automated through optical character recognition , robotic automation process", "and artificial intelligence .", "Behind every successful automation there is scalability, efficiency and accuracy.", "Processing is where the loan sits the longest time and if it is not done right the first", "time it amounts to heavy rework and delay in closing.", "By eliminating such endless manual touch points during the loan manufacturing process, automation", "can help you avoid such manual errors, complete tasks within minutes, and even complete the", "process.", "Pay for what you use, meaning your fixed costs are now turned into variable costs.", "Today margins are super thin.", "Millennial borrowers demand digital mortgage experience and applications are hard to compile.", "Automation solutions like M-Suite can help curtail operational costs for improved margins.", "Instant reviews of documents means faster response to your tech savvy borrowers and", "an overall customer experience.", "and those who dominate the industry.", "At Flagpole we understand the challenges that we learn over the years and from working with", "several mortgage lenders across the country.", "If you are interested to know how we are making a difference then let's talk about it.", "**" ]

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[ "When your draw period ends, your credit line is closed and you can no longer take out any more money from that line of credit.", "After the draw period has closed, after say 10 years, the next phase of your HELOC is called the repayment phase and it typically lasts for 20 years.", "And this is when you're required to pay the interest plus the principal but cannot borrow any additional funds.", "Now you can continue to borrow at any time and repay at any pace, meaning you could borrow all of it and pay it all back within a matter of days throughout that 10-year draw period.", "During your draw period, you're going to have continuous access to your funds if needed.", "If you don't need them, you don't have to pay interest, meaning if you had a $100,000 home equity line of credit, then you could draw anywhere between zero up to that $100,000 versus taking all $100,000 like you would in the form of an installment loan." ]

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[ "I'm kidding, but it's not great. So today I want to help you decide whether or not Chase Bank is", "still worth it in 2022 and what some better alternatives might be if you're ready to", "break up with Chase. All right, let's jump right into it.", "What is going on, everyone? I hope you are all having a fantastic day. So in all seriousness,", "I do want to give Chase Bank a fair shot in today's video since they are the highest valued", "bank on the planet. Clearly, they're doing something right. So let's run through all of", "the account features and ultimately help you decide if it is still worth it in 2022.", "So starting on the checking side of things, we have eight different account options,", "which I know sounds ridiculous, but for a majority of consumers, you'll be looking at", "the everyday checking accounts. And that consists of the Chase Total Checking, Chase Secure Banking,", "and Chase Premium Plus Checking. These are all largely the same with only a few differences on", "the ATM fees and the check designs that you're able to get. But for 99% of consumers, the Chase", "Total Checking account is going to be your best option. With this, you have access to their", "network of over 16,000 free to use ATMs and 4,700 physical brick and mortar locations.", "And they also now have their Chase Deposit Friendly ATMs, where not only can you withdraw", "funds, but you can also get a free deposit. So if you're looking to get a free deposit,", "which I think is pretty cool. Now, there's no minimum deposit requirements in order to open", "this account. However, the first red flag that we run into here is the $12 monthly service fee", "that applies to this account, unless you jump through some hoops in order to get it waived.", "Now, truthfully, getting that monthly fee waived is not that difficult. And you either have to have", "$500 of direct deposits each month, a daily balance of $500 a month, or you can just get", "$1,500 or more, or an average daily balance of $5,000 or more across all of your linked Chase", "accounts. So if you're using this as your main banking platform, then more than likely you'll", "have $1,500 in this account. But I think we can all agree that if you don't meet one of those", "requirements, you absolutely should not open this account because paying a $12 monthly fee,", "if you've only got $1,000 in here, is absolutely ridiculous. And there are way better options on", "the market that cost you $1,500. So if you're using this as your main banking platform, then you'll", "have to pay $1,500. So if you're using this as your main banking platform, then you'll have to pay", "including Chase Quick Deposit, their online bill payment features, their partnership with Zelle", "that allows you to send money to pretty much any US bank accounts, and most of the basic features", "that you would come to expect from your average bank account. Now, like I said, there's also two", "premium versions of the checking accounts called Chase Sapphire Banking and Chase Private Client", "Checking, which both also have monthly fees of $25 and $30. So if you're using this as your main", "banking account, you'll need to pay $45 respectively that you can likely get waived. And these premium", "accounts do come with some higher transfer limits, dedicated customer service, and a few other bells", "and whistles that the everyday checking account does not have, like no fee ATM withdrawals", "worldwide. Again though, I wouldn't bother with these accounts unless you are able to get that", "monthly fee waived, which in the case of the Chase Sapphire Banking account, you need $75,000 or more", "in this account in order to get that fee waived.", "And lastly, there's a number of premium accounts that are available to you that are available to", "Lastly, on the checking side of things, we have perhaps the best account options of the", "entire Chase Banking platform, and that would be the Chase First Banking, Chase High School", "Checking, and Chase College Checking, which obviously are all accounts that are geared", "towards specific age groups starting from 6 years old going all the way up to college", "students at 24 years old.", "These accounts have similar features to what we just talked about but come with tools for", "parents like the ability to set recurring allowance and assign chores, limited overdraft", "protection, autosave tools, and some other features that I honestly wish the regular", "everyday checking accounts had.", "Alright, we'll come back to the checking accounts at the end of the video, but we've", "still got a lot to cover, so let's move on to the Chase Savings Accounts.", "Similar to the checking account, there is a standard and premium version of the savings", "accounts but thankfully fewer options to choose from since we just have the Chase Savings", "and Chase Accounts.", "does come with better customer service and supposedly better interest rates, but that", "brings us to the biggest red flag across the entire Chase Banking platform.", "I'll preface this by saying that in my opinion, interest rates aren't that important on", "a bank account because if you're really that concerned about getting as much return", "as possible on your money, then you'll probably be investing that money instead and earning", "way more than you would if you were to buy a bank account.", "invested in the stock market, I still keep a lot of cash on the sidelines and I also", "have my emergency fund on the sidelines and it's nice to earn a little bit of interest", "on that money, but unfortunately, Chase offers just 0.01% APY and even with the premium savings", "accounts which they claim offers premier relationship rates, it still only pays you $1.00.", "the time of recording this video, which is 200 times more than what Chase is currently", "paying.", "And to add insult to injury, if you do have to pay that monthly service fee for whatever", "reason, it's probably going to be several years worth of your interest, plus they charge", "some random $5 savings withdrawal limit fee and worst of all, a $34 return on your money.", "order to get that monthly fee waived, but even if you do all of that, they're still", "going to pay you next to nothing in interest, charge you ridiculous fees if you withdraw", "from this account too many times, and charge you a huge fee if you accidentally overdraft", "on the account.", "I understand that all of these things were common in the banking world like 20 years", "ago, but with so many better options on the market, I just can't understand why Chase", "refuses to adapt to the modern, no-fee, high-yield banking model that the entire industry", "is moving towards.", "Obviously, they have a ton of financial tools across the board, and JPMorgan Chase, again,", "is the highest valued bank on the planet, so they're clearly doing something right.", "But if they continue on this path, it would not surprise me if in my lifetime, we see", "some of these popular online financial technology companies take a huge market share away from", "Chase.", "If not, pass them in.", "I'm not sure if I would be able to do that, but I'm sure I would be able to do it.", "is actually pretty decent, and while it's not going to win any awards for design, you", "are able to not only track and view your Chase banking tools from this app, but also your", "investment accounts, your Chase credit cards, and any app that allows you to view multiple", "financial accounts and tools under one platform.", "So, if you're looking to get a better deal, you can go ahead and check out the Chase mobile", "app, and I'll be sure to put a link in the description box below.", "But, once again, that positive is quickly squandered by the fact that even with a 10-year", "CD at relationship rates, it pays just 0.05%, and that's only if you have $10,000 or more", "in that CD.", "Again, to put that in perspective, Charles Schwab has a 1-year CD right now, paying 3.2%", "at the time of recording this video.", "So, at the 0.02% rate that most of these CDs from Chase currently pay, it would take you", "about 160 years in a Chase CD to match just 1 year in that Charles Schwab CD.", "Okay, so what is the silver lining in all of this, because obviously things are not", "looking that great for Chase?", "Well, honestly, this account only makes sense to me if you either do not care about the", "rates that you earn on your money.", "Which is totally understandable.", "Or if you want to have a vast network of physical banks that you can go into anytime.", "But the fact is, having giant fancy buildings in New York and San Francisco is really expensive,", "and someone has to pay for that, and unfortunately, that someone is you in the form of foregone", "interest rates.", "The reason SoFi is able to offer 2% APY is because they don't have any giant buildings", "to maintain.", "And so, you can't just buy a lot of stuff.", "I mean, you can take your money to the bank and just go into the bank and go get your", "money.", "But the fact is, this is a huge investment, and it's very difficult to have a bank account", "and college students, and I like the fact that those products are specifically focused", "on that age group.", "You all also know that Chase offers some of my favorite credit card products that are", "on the market, and while that has absolutely nothing to do with banking, if you do have", "a number of Chase credit cards yourself that you frequently use, then having a Chase bank", "account might make sense if you want to have everything under one application.", "But if you're just looking for that hybrid banking model that still offers a brick and", "mortar location and has some more modern features, then personally I feel that Capital One has seen", "the writing on the wall and has rapidly adapted to the changing banking world as a result.", "But as per usual, this is all just my opinion. And I did truly want to give Chase a fair shot,", "and I hope I achieved that in today's video, but there's just some major red flags,", "which is why I feel it's time for all of us to break up with Chase.", "I'd love to know what you think of Chase Bank down in the comment section below", "and whether or not you think it is still worth it in 2022.", "As always, be sure to check out some of my favorite financial tools using those links", "down below the like button, many of which will give you some free cash when you sign up,", "which we always love. Thank you so much for your time. I really do appreciate it so much.", "Take it easy and I'll see you in the next one.", "Have a great day." ]

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[ "the greatest thing in the world and they definitely have their pros, but they also have their cons", "when you are looking at it in the lens of you've passed away or you've lost your capacity and you", "yourself can no longer make it to that box to open it. So in Georgia, here's what happens.", "If you are the only person listed on that safety deposit box and you were to pass away,", "it requires a court order from the probate court to have someone open it. And the downside to that", "is, well, not only does it cost money and takes time and all of that, but besides that,", "even if you can open it, the only thing that that person can then do is inventory the items that are", "in that box. That doesn't give them the advantage. So you're going to have to make sure that you're", "able to take anything out of the box, except if there is an original will in there. And if the", "original will is in there, a lot of times the banks will not let you take it, but the banks", "themselves will go and take it to the proper probate court. So in order to actually take", "things out of that box, you have to open probate for that person. So if they have a will, the", "executor needs to probate that will and get a court order, blessing them with a will, and then", "authority to go do things as executor. And then if there's not a will, then someone that's a loved", "one needs to file an application to be the administrator of your estate, and then similarly", "gets a court order to go and take things out of the box. And then they have to follow the", "instructions of either what the law says, if you don't have a will, of who inherits the things in", "that box, or follow the terms of the will, of course, if there is one. What I recommend", "instead is if you can have a fireproof safe in your house. This could be for not only sentimental", "items or precious metals and jewels and documents and things like that, but at least for your will,", "your power of attorney, your medical documents, things like that. Instead of a safety deposit", "box, I recommend a fireproof safe in your house. They make them small document size,", "specific.", "They're for documents. And then on top of that, you want to make sure that your trusted agent,", "or maybe the executor or agent you named in your documents, knows where it is and has the ability", "to get into it. Because if the document that's in the safety deposit box or in the fireproof safe", "says who can open it, you can't open it without knowing who's allowed to open it. So you can kind", "of see how it gets a little messy there. Another tip could be if you really want to", "have a safety deposit box, because there are definite benefits, you know, if there's ever", "a house fire and things like that, or if there's ever anyone that breaks into your house, of course,", "a safety deposit box is going to protect those things. So what I recommend is to not be the", "sole person listed on that box to be able to get into it. You want to make sure you have a trusted", "person, whether it's a spouse or a child, maybe even two people in case two out of the three people", "were to pass away and not be able to get in there. So that's another way kind of around that is", "listing them directly on there. They would need to go to the bank and sign some paperwork and things", "like that. But that would also allow that person if you were incapacitated, or if you were to pass", "away to go and get into that box. So those are my tips for safety deposit boxes. And so there you go." ]

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[ "पर एक चीज का ध्यान रखिएगा कि जो भी खर्चा आप करते हैं उनके बिल्स डूरिंग दायर जो भी बिल्स हैं उनको", "समाल के रखिएगा क्योंकि इंकम टेक्स डिपार्टमेंट आपसे एक नेक दिन यह बिल जरूर पूछने वाला है थैंक यू" ]

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[ "credit card and the card that I recommend the most to people who are looking to improve their", "travel experience and that's going to be the Chase Sapphire Preferred card. Now the Chase", "Sapphire Preferred card I think is an excellent travel mid-tier credit card. This card has a lot", "of benefits and perks that are connected with it and I think that if you're someone who's just", "starting off in the points game, this card can end up being an excellent one for you to add to", "your wallet. Now I've had this card for numerous years. I still actually have the old version.", "There's actually a newer design that this card actually currently has but I don't care that much", "about the design of cards so I just haven't changed it to the new one but this card is a", "light metal credit card issued by Chase. Now first I want to do a quick rundown of the benefits of", "this card. This card is going to give you 2x back on travel, 3x back on dining, 3x back on online", "grocery store purchases, 3x back on select streaming services, and then 1x back on all", "the purchases. You can also actually get yourself 5x back when booking travel purchases through", "Chase's Travel Portal. You also get 5x back when booking rides with", "Lyft. You can also get yourself 5x back when booking rides with Lyft. You can also get 5x back", "when booking rides with Lyft. A complimentary DoorDash DashPass subscription, Instacart benefits,", "and also a $10 a month GoPuff statement credit. Additionally with this card you're going to get", "yourself 10% back in overall spend in points. Now what this means is that if you end up spending", "$100,000 on this card you're going to get yourself 10,000 additional Ultimate Reward points added on", "to whatever other Ultimate Reward points you earned with the $100,000 spent. Now this card", "has no foreign transaction fees due to it being a travel credit card. It does have a $95 annual fee", "but with that annual fee you're actually going to get yourself a $50 credit card. Now this card", "has no foreign transaction fees due to it being a travel credit card. It does have a $50 credit card.", "purchasing a hotel stay through Chase's Travel Portal. So right there if you're actually able", "to take advantage of that $50 hotel credit you can effectively bring the annual fee down from $95", "to $45. Now when it comes to the signup bonus for this card currently as of recording this video", "you're going to get yourself 60,000 Chase Ultimate Reward points after you end up spending $4,000", "in the first three months of having this card. The value of the 60,000 Ultimate Reward points", "for that signup bonus will give you at least $600 in value which means that if you happen to get", "this card hit the signup bonus and then never use it even if that annual fee was to hit for six", "years straight you still actually end up coming out positive just because of that signup bonus.", "Now obviously that's not what we want to do with this card. We want to get this card to use it but", "I only say that because there's a lot of people who can be scared away from cards that have annual", "fees but I just want you to know that if you happen to get this card and hit that signup bonus", "the card will end up making sense to have for a few years and you'll still end up being positive", "because that signup bonus is so lucrative. Now when it comes to redeeming these Ultimate Reward", "points that you're going to earn from this card there are a variety of different ways you can do", "it.", "get gift cards and then also purchase Apple products but the most popular ways to do it are", "going to be via statement credit through Chase's travel portal or with transfer partners. Now when", "redeeming for a statement credit what you're going to be getting is each point is going to equal one", "cent. So that means if you end up hitting that signup bonus of 60,000 Ultimate Reward points", "that's going to give you $600 in statement credits that you can apply it to. Now redeeming your Chase", "Ultimate Reward points for a statement credit is something that I wouldn't normally recommend", "but at least you'll be getting yourself one cent equaling one more", "point. That should be the base level value for your points. Now if you happen to redeem with", "something like Amazon you'll actually end up getting yourself even less than one cent for", "a point which is something that you never want to do. So just know that the base level that you", "should be redeeming your points for should be one cent equaling one point. Now above that you can", "actually end up redeeming through Chase's travel portal with the Chase Sapphire Preferred card and", "when you end up doing that you'll give yourself an extra 25 bonus in value with this redemption.", "So that means if you end up having that 60,000 Ultimate Reward points from that signup bonus", "you can actually end up getting yourself more as a result of redeeming your points. Alright,", "$750 in value towards travel purchases through Chase's Ultimate Rewards Travel Portal. And then", "lastly, the way that I'd recommend redeeming your Ultimate Rewards points would end up being to", "transfer over to Transfer Partners. This can end up being the way you can end up giving yourself", "much more value with your points. This is what I do with all of my Chase Ultimate Rewards points,", "and I end up getting myself really good value. A few ways that I've been able to do it in the", "last year was transferring over my points to Hyatt, where I was able to get myself a hotel stay", "at the Tommy Hotel that would have ended up costing me somewhere along the lines of close", "to $400 a night. At this time, it only ended up costing 9,000 points each night to book this exact", "same World of Hyatt stay. Now, when it comes to transferring points from Chase to other programs", "and it's being at least a one-to-one ratio, so that means it ended up costing 9,000 Chase Ultimate", "Rewards points to transfer over to World of Hyatt and get myself 9,000 World of Hyatt points. So", "instead of it only being worth $90 in statement credit or close to $120 with booking through the", "Chase's Travel Portal, I was able to get myself a full-time stay at the Tommy Hotel. So that's", "how I was able to get myself close to $400 in value from transferring over my points over to", "the World of Hyatt program. This is a very easy way to get yourself really good value for your", "Chase Ultimate Rewards points. Now, if you're looking to get yourself an even higher cents per", "point value with your Chase Ultimate Rewards points, the way to do that would be to transfer", "over to airlines and then use the partners that are connected with them. One of the ways that I", "was able to do it was I transferred over my Chase Ultimate Rewards points over to the United program", "to top off an award flight in business class to Istanbul, Turkey. Now, normally a flight in", "business class over to Europe would be a little bit more expensive, but I was able to get myself", "a full-time stay at the American Express Gold Card. Now, the reason why I love this card and I", "recommend it so much is because I think that it's really easy to get yourself good value from this", "card. I've recommended numerous cards to other people. You know, I think that there actually", "can end up being better cards out there. Maybe something like the American Express Gold Card.", "I've recommended that card to people who forget to use the", "credits that are connected with it. The card has a higher annual fee. I feel like all that cuts", "into your gains. When you end up getting yourself something like the Chase Sapphire Preferred Card,", "yes, it does have a $95 annual fee, but if you're going to have just taking advantage", "of that hotel credit and then taking advantage of the transfer partners that are connected with", "the Chase program, I think that it's really hard to end up getting yourself bad value from this", "card. I think that if you were someone who's looking to get yourself your first entry-level", "travel credit card, going with the Chase Sapphire Preferred Card, you're going to end up getting" ]

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[ "six-night cruise with the Capital One Venture Card.", "My name is David. I'm the founder of WiseFlyers, dedicated to teaching you about credit cards and travel points so that you could travel anywhere in the world almost free.", "If that topic interests you, then consider subscribing. Let's get into today's topic about how you could get a free six-night cruise with the Capital One Venture Card.", "In this video, we're going to talk about the Capital One Venture Card as well as all of its travel benefits.", "And then later on in the video, I'm going to show you how you could use these miles to book a cruise.", "First, let's start with a review of the Capital One Venture Card.", "Let's talk about the sign-up bonus of 50,000 points after completing a minimum spending of $3,000 in three months with the annual fee of $95 waived the first year.", "This is great.", "So that means you could travel anywhere in the world.", "Try out the card for the first 10, 11 months and see if it's worth keeping for the additional year.", "Some of the ongoing benefits are two points per dollar spent on every purchase.", "You also get 10 venture miles per dollar you spend on hotel stays when booked and paid for with your Capital One Venture Card through the Hotels.com link that they give you.", "As well as, this is new, a $100 statement credit for a global entry or TSA pre-track.", "And there are no foreign transactions.", "This card also comes with Visa Signature benefits, which includes rental car insurance similar to the Chase Sapphire Prefer Card.", "You get secondary protection against collision or theft, travel accident insurance up to $250,000 if there are any problems, lost luggage insurance up to $3,000.", "That is a great benefit right there.", "I myself have lost luggage a few times, which is why I'm here.", "I personally only carry a carry-on for now, even with family trips.", "So the venture miles are at a fixed value at one cent per point, which means that 10,000 points is $100.", "Unfortunately, there's no way to leverage these miles.", "You can't transfer it to airline partners or hotel partners to get more value out of it.", "It's just fixed value, one cent per point.", "Another great benefit of this card is that the miles are really cheap.", "They're really easy to use, and you pretty much just erase travel purchases from your account.", "So if you do make a travel purchase, like the cruise that we'll get into later on, then you just go into your account, look up the travel purchase, and then erase it with the miles that you have.", "So unlike the Barclay Arrival Plus card, which has a similar fixed value point system, the miles that you use with Capital One, there's no redemption minimum.", "So with Barclay Arrival Plus, you have to redeem it at a minimum of 10,000 points or $100 for the purchase.", "With Capital One, there's no minimum at all, so it could be as much or as little as you want for the travel purchase.", "Now let's look into what Capital One qualifies as a travel purchase.", "So here's the list.", "We got airlines, hotels, cruises, which we'll get into, travel agents, timeshares.", "So all of these categories qualify as a travel purchase.", "So you can choose which you could use your miles for.", "The reason why that's so great is because if you use your airline miles, let's say for flights and your hotel points for hotels, then the Capital One Venture kind of falls in that in-between category.", "So you could use it for car rentals or cruises or boutique hotels or anything that you wouldn't get the most value out of with your other points.", "With that being said, I'm going to show you exactly how you could book a free six-night cruise with the Capital One Venture miles.", "Let's start at Carnival.com with Carnival Cruises.", "If we scroll down to the search results, we have the Caribbean in the winter for a duration of six to nine days.", "And if we just look at the top two search results, we'll see that for a seven-day cruise in the Caribbean, it only comes out to $424 for the entire cruise plus the $100 in taxes and fees.", "So that's $524.", "So if you use the Capital One Venture signup bonus of 50,000 miles plus the maximum cost of $50,000, that's $524.", "covered for the $524 seven-day cruise, and you don't have to worry about paying any additional", "fees. The Capital One Venture Card will cover this entire cruise. So now that you saw all the", "benefits of the Capital One Venture Card, as well as how to use any travel purchase that qualifies", "as a travel purchase with your Capital One Venture miles, such as the free six-night cruise,", "I just want to mention a couple of things about the Capital One Venture Card. If you are new to", "credit cards and travel points, I recommend holding off on the Capital One Venture Card", "unless you have a specific use for it for a trip coming up. The reason why is because the Chase", "Sapphire Preferred Card, I think, is a much better card to start out with. One reason is because the", "524 rule, if you're not sure what the 524 rule is, you can just go to the link in the description", "below. So if you are new, I recommend starting off with those Chase cards that fall under the 524", "rule first before getting the Capital One Venture Card. That being said, I think the Capital One", "Venture Card is a great way to get a free $500 plus towards a lot of different travel purchases.", "If you want to apply for the Capital One Venture Card or any other cards with big sign-up bonuses,", "click the link in the description. If you haven't already, please subscribe. If you like this video,", "give it a big thumbs up. If you have the Capital One Venture Card, I would love to hear a comment", "below. Thanks for watching. See you next time." ]

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[ "और इस तरह से आप बैंक में बिना लाइन लगाए या फिर गए आप घर बैठे ही अपना फिक्स डिपोजिट कर पाएंगे", "तो यहाँ पर देख सकते हैं यह मेरा पंजाम नेशनल बैंक का मॉबाइल बैंकिंग एप्लिकेशन PNB1 खोला हुआ है मैंने", "और इसी के माध्यम से मैं FD यानि टर्म डिपोजिट करके दिखाऊंगा", "FD को टर्म डिपोजिट भी कहते हैं", "पंजाम नेशनल बैंक में FD का जो रेट है काफी बढ़िया चल रहा है फिलाल में", "और यह आप देख सकते हैं माउंट मैं आपको दिखाऊंगा यह वाला", "रहा है और उसके बाद देख सकते हैं यहां पर तीन लाइन दिया हुआ है यहां", "पर एक बाету क्लिक करेंगे क्लिक करने के बाद यहां पर बहुत सव आवसान आ", "जाता है नाम के साथ ऊपर मेरा नाम है और यहां पर देख सकते है चौसे", "नंबर पर ओपन फिक्स डिपोजिट जो दिखा रहा है तो इसके ऊपर आपको क्लिक कर देना है यहां पर ठीक है ऑनलाइन आप", "एप्टी खोलेंगे और यहां पर मेरा अकाउंट नंबर दिखा रहा है अगर आपके कस्टमर आईडी पर सेविंग और करेंट दो", "अकाउंट होंगे तो यहां पर दो अकाउंट दिखाएगा लेकिन आपका मेरा एक ही दिखा रहा है क्योंकि मैंने", "पास ही सेविंग्स अकाउंट है और इसमें कितना बैलेंस वहां पर दिखा रहा है उसके बाद यहां पर डिपोजिट अमाउंट", "के भी पहले से क्लोज नहीं कर पाएंगे बिना 5 वर्ष से पहले अगर पैसों की जरूरत पड़ जाती है तब तो मैं नॉर्मल", "के ऊपर ही छोड़ देता हूं नॉर्मल के ऊपर क्लिक करके मैं आपको एक वर्ष का एफडी करके दिखाऊंगा उसके नीचे", "यहां पर देख सकते हैं इनवेश्टमेंट प्लान दिखा रहा है बेस्ट प्लान और कस्टमाइज प्लान बेस्ट कलाज में पेंञे", "का सबसे बेस्ट प्लान अभी चल रहा है 606 दिनों का जो कि 17 deceased दे रहा है लेकिन मुझे बेस्ट प्लान", "देगा कि कितना आपका रेट दे रहा है और यहां पर मैचुरिटी अमाउंट कितना होगा देख सकते हैं दो लाख तीरा जार", "नौ सो इक्याउन रुपया होगा जब यह साल भर के बाद मेचुर होगा चार अपलेल दो हजार चौबीस को अगर आप एफडी कैलकुलेटर", "कार्यक्षिक करना चाहते हैं नियुक्तों यहां पर क्लिक करके कर सकते हैं फीनएप्पी कमेंटर मोबाइल में भी", "बहुत ही अच्छा चलता है काफी असान इस् Character किला करना लेकिन यह पहले ही बता दिया तो मेरा रेडियॉ टिक", "चल रहा है 6.8 का जो कि SBI का भी चल रहा है इतना उसके बाद यहां पर भी फ्रेंड रेस्ट रेट चार्ट का ऑप्शन है", "इसके ऊपर क्लिक करेंगे तो यह इसके वेबसाइट पर लेकर जाएगा और आप टोटल रेट इसका देख सकते हैं एफडी का डेमोस्टिक", "टरम डिपोजिट यहां पर ऑप्शन है क्लिक करेंगे एक बार और उसके बाद यहां पर देख सकते हैं डिमेंस्टिक टरम", "डिपोजिट वेलो 2 करोड़ रुपए के ऊपर क्लिक कर देना है मतलब हमारा जो मांग 2 करोड़ के अमाउंट से कम है तो यह", "बाला अभी हमारा जो रेट होगा वह लगू होगा तो यहां पर देख सकते हैं एक वर्ष का 6.75 यह पहले था अभी", "6.8 चल रहा है जो कि थोड़ा सा हाइलाइट करके यह दिखा रहा है ठीक तो चलिए चलते हैं पेन भी वन ऐप पर तो अभी", "आटो रिनुव की ऊपर रखूंगा तो मेरा जो एक साल का जो टर्म है वह जो ही पूरा होगा अपने आप यह फिर दूसरा", "एफडी बन जाएगा लेकिन मुझे दूसरा एफडी नहीं बनाना है जब मैं आटो क्लोज के ऊपर क्लिक कर दूंगा तो जो", "मेरा एक साल पूरा हो जाएगा तो मेरे सेविंग्स अकाउंट में मेरा मैं प्रिंसिपल अमाउंट और बयाज होगा था", "सब्सक्राइब कर सकता या फिर जो चाहे वह कर सकता हूं उसके बाद यहां पर एक पेमेंट ऑप्शन है तो मेचूरिटी", "compounding का फायदा मिलता है तो मैं ये maturity पर ही इसका ब्याज लूँगा", "मेरा ठीक है अगर आपकी इच्छा है monthly लेना तो यहाँ पर click करेंगे", "तिमाही लेना चाहते हैं तो यहाँ पर click करेंगे", "लेकिन मैं maturity पर ही लूँगा तो यहाँ पर maturity के उपर click करके छोड़ देता हूँ", "उसके बाद यहाँ पर नीचे ओप्सन है retain nominee details for selected debit account", "यानि कि अगर आप अपना savings account वाला nominee इस FD account के लिए रखना चाहते हैं", "तो यहाँ पर click कर देता हूँ मैंने सब कुछ fill कर दिया है एक बार यहाँ पर confirm करने के लिए आएगा", "देख सकते हैं मेरा 2 लाख रुपे का FD हो रहा है 10 यूर यहाँ पर 1 वर्स", "debit account मेरा savings account है PNB वाला rate दिखा रहा है और maturity amount दिखा रहा है", "maturity date दिखा रहा है 4 अप्रेल 2024 को confirm के ऊपर click कर देता हूँ अपना transaction", "pin डालूंगा जो कि मैंने mobile banking PNB 1 बनाते समय डाला था तो डाल देता हूँ यहाँ पर मैंने", "डाल दिया है अब मेरा OTP आएगा registered mobile number पर जो कि इसी में है इसी mobile में OTP आ", "चुका है कॉपी कर लेता हूं और इसे मैं पेस्ट कर देता हूं कंफर्म के ऊपर क्लिक करूंगा और मेरा", "FD सक्सेस फुली खुल जाएगा घर बैठे ही तो यहां पर देख सकते हैं मेरा जो FD है वह खुल चुका है घर", "रहे बैंक जाने की तो आवश्यकता ही नहीं पड़ी और ना ही से प्लोज कराने जाने की आवश्यकता पड़ेगी चार अप्रैल", "दो हजार 24 को प्लोज होगा तो अटोमेटिक मेरे सेविंग्स अकाउंट में सारे पैसे आ जाएंगे व्याज सहीत यहां पर", "SMS भी आ चुका है पीएंबी का यहां पर देख सकते हैं और मैं से प्लोज करना नहीं बताऊंगा दोस्तों क्योंकि मुझे", "यह रियल में एफडी रखना है एक वर्ष का तो यह देख सकते हैं अगर आप इसका रिसेप्ट डाउनलोड करना चाहेंगे तो यहां", "पर मैं फिर से होम पेज पर आ चुका हूं और मैंने एक बार लोग आउट करके इसे लॉग इन किया है तो देख सकते हैं", "अभी मेरा सेविंग्स अकाउंट से 2 लाख रुपया गायब हो चुका है ठीक है और यहां पर यह बगल में आ गया यह पहले", "था डिपोजिट अकाउंट शो कर रहा है यहां पर क्लिक करूंगा तो अभी यहां पर 2 लाख रुपया यह शो करने लग गया", "है ठीक है एक नया अकाउंट नंबर खुल जाता है जब आप एफडी करते हैं ओपन न्यूएफडी के ऊपर नीचे ऑप्शन है देख सकते", "हैं रेक्टर के नया एफडी भी खोल सकते हैं लेकिन मैं नहीं कर रहा अभी यहां पर जो भी बैज मिलेगा टोटल डिटेल", "यहां पर आप क्लिक करके देख पाएंगे जैसे कि यहां पर देख सकते हैं अकाउंट का सॉमरी दिखा रहा है मैचिरिटी अमाउंट", "और कब होगा, कब खुला है, टोटल डिटेल दिखा रहा है", "अगर आप यहां से FD Advice डाउनलोड करना चाहते हैं", "तो बगल में देख सकते हैं, Download FD Advice का उप्सन है", "क्लिक करके डाउनलोड कर सकते हैं", "इसका ब्याज जैसे जैसे मिलता जाएगा", "तो नीचे भी यहाँ पर statement में शो करता जाएगा", "ठीक है, जैसे कि अभी 2 लाक रुपया आ चुका है", "अगर इसका ब्याज मिलता है, 3-4 महिने के बाद थोड़ा सा", "तो वो भी यहाँ पर शो करेगा", "Maturity पर Total ब्याज आपको यहाँ पर शो करेगा", "अकाउंट में आ जाएगा, अपने से आ जाएगा", "Close करने की अवस्थकता नहीं पड़ेगी", "तो दोस्तों देखा आपने कितनी असानी से आप", "PNB में घर बेटे ही अपना FD खोल पाएंगे", "वीडियो देखने के लिए आपका बहुत बहुत धन्यवाद" ]

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[ "Welcome to Vanguard Target Retirement Funds.", "With this one fund, you literally will never need to think about investing again", "until you're ready to retire.", "Hi, if you're new to the channel, my name is Tae from Financial Tortoise,", "where we learn to grow our wealth slow and steady.", "One of the most common investing questions I get is,", "what should I invest in?", "Just the other day, I had a friend who wanted to open up his first retirement account,", "but wasn't sure where to start.", "Of course, being the investment nerd that I am,", "I started to explain to him the importance of diversification,", "asset allocation, and risk tolerance,", "and how he needed to incorporate all that into his investment strategy.", "Little did I know, I lost him even before I started my explanation.", "All he really wanted to know was what he should invest in,", "so he didn't have to think about all the mumbo-jumbo stuff I was talking about.", "And it got me thinking, if I had to narrow it down to just one advice,", "what would be the simplest, yet the best investment advice I can give to him?", "One that would allow him to gain all the benefits of investing in the market,", "without all the over-the-top advice,", "and without the overwhelming complexity it comes with.", "And I realized it would be the Target Retirement Fund.", "And for me, specifically, Vanguard Target Retirement Fund.", "So in this video, we're going to deep dive into Target Retirement Funds.", "I've broken this video into three sections, so feel free to skip around.", "First, we'll break down the fundamentals of Target Retirement Fund.", "What it is, what it's trying to accomplish,", "and why you should consider it as your investment vehicle.", "Second, we'll play the devil's advocate and delve into why a Target Retirement Fund", "might not be for you.", "So you can hear both sides of the argument.", "And third, we'll jump into Vanguard's website and look under the hood", "of a few specific Vanguard Target Retirement Funds,", "and identify a few that will be ideal for you.", "Alright, let's begin with some fundamentals.", "What is a Target Retirement Fund?", "They're sometimes called Target Date Funds or sometimes Lifecycle Funds.", "Simply, Target Retirement Funds are funds that not only invest in well-diversified", "funds for you, but also rebalance its asset allocation with time as you get closer", "to your retirement age.", "If you want to make good investment decisions, but don't have any desire to learn", "about portfolio design or investment strategy, this one fund would literally be", "all you need for the rest of your life.", "A Target Retirement Fund holds several other funds within it,", "and thus is most often called Fund of Funds.", "For example, a Target Retirement Fund would likely include a Stock Market Index Fund,", "an International Index Fund, and a Bond Index Fund.", "And these funds would own its own share", "of stocks and bonds based on the index that it is following.", "And this is where we have our first major", "benefit of investing in Target Retirement Funds.", "Automatically built-in diversification.", "Diversification is one of the most important concepts for investing because", "it is the key to reducing investment risk.", "The fastest way to get rich overnight is to own the next Netflix.", "But the fastest way to lose all your money is to own the next Blockbusters.", "Unless you're a professional investor who studies stocks and companies for a living,", "to know what companies will do well or not do well is nearly impossible.", "And even the majority of professionals", "do a great job of it.", "However, you don't need to have a magic ball in order to get healthy returns", "on your investments. If you buy a well-diversified index fund like a S&P 500", "or Total Stock Market Index Fund, your investment is highly diversified", "and you're tapping into the growth of the stock market while at the same time", "protecting yourself from single stock risks.", "An index fund like S&P 500 Index Fund is great because instead of holding a few", "stocks, you're holding on to essentially a share of all 500 companies within", "the one fund. Companies like Apple, Microsoft, Amazon, and even smaller companies like Gap,", "Under Armour and News Corp. And target retirement funds automatically have this", "built-in diversification because they hold index funds as its core holdings.", "But in order to manage risk, you don't just want diversification,", "you also want good asset allocation, which leads us to the second major benefit", "of investing in target retirement funds.", "Holding a S&P 500 Index Fund,", "or a Total Market Index Fund is a smart investing move.", "However, stocks represent just one asset category against all other types", "of asset categories out there. Bonds, real estate, commodities,", "and even cash represent different asset classes. Especially as you get older,", "you want other asset classes within your investment portfolio to help offset", "or augment your equities holdings. For example, you might want bonds to help", "smooth your stock volatility, or you might want international funds", "to gain exposure to the market outside the United States.", "And now,", "not only do you want these other asset classes in your portfolio,", "you want to adjust the amount you have of each asset class as you get closer", "to retirement age, making your portfolio more conservative", "versus aggressive using different asset classes.", "A general rule of thumb is that as you get closer to retirement age,", "you want to hold more stable assets like bonds and cash versus stocks in your portfolio.", "And this is where investing becomes a lot more an art than science.", "And especially because past returns don't guarantee future returns,", "you as an individual investor will need to make adjustments", "to your portfolio based on your risk tolerance and your comfort level", "with different asset classes. But when you invest in a target retirement", "fund, all this is done for you automatically.", "What a target retirement fund will do is it will automatically select a blend", "of investments for you based on your age or target retirement year.", "All in well-diversified index funds across different asset classes.", "And it will start out with more aggressive allocation when you're young", "and then automatically shift to more conservative allocation as you get older.", "You don't have to worry about anything,", "you just have to regularly deposit money into your target retirement fund.", "And this sums up to the third major benefit of investing in a target retirement fund.", "It is just so darn simple.", "Jack Bogle likes to say, simplicity is the master key to financial success.", "Do not discount the amazing power of simplicity.", "By investing in this one single fund, you get a built in diversified portfolio", "that you don't have to rebalance or adjust.", "The fund formula automatically reallocates the funds asset mix to fewer stocks", "and more bonds as you get closer to retirement year.", "And when it comes to cost,", "Vanguard recently made adjustments to the expense ratio, making it even more attractive.", "The average expense ratio for Vanguard target retirement fund is now 0.08%.", "It used to range from 0.11 to 0.15%.", "This means that when you invest $10,000 into a target retirement fund,", "you're essentially paying $8 for all the services of built in diversification", "and automatic asset allocation adjustment.", "I would say that's a pretty good deal for $8.", "But of course, I can't leave you here.", "Let's play the devil's advocate.", "To be honest, target retirement fund isn't for everyone.", "Despite how much I advocate for target retirement fund,", "I actually stopped investing in them a little while back.", "And let me tell you a few reasons why.", "What makes target retirement fund so great is also its greatest downside.", "You are not in control.", "When you choose to invest in target retirement funds,", "you can't select a specific index funds, you can't select the asset allocation,", "and you can't reallocate the way you see fit.", "The fund does this all for you.", "What if you prefer that?", "What if you prefer the S&P 500 index fund versus a total market index fund?", "What if you prefer exposure to a specific", "international market versus a total international market?", "Unfortunately, you can't make those customized changes.", "And if you're the type that likes specific control in these areas,", "a target retirement fund may not be for you.", "And tied to the lack of customization is", "the lack of personal risk tolerance incorporated into these funds.", "The willingness to take on more or less risk is a very personal preference.", "You could be a type that loves taking risks.", "Or you could be the complete opposite.", "Completely fine not taking any risks.", "We're all very different individuals when it comes to our risk tolerance.", "And when you invest in target retirement funds,", "you can't factor in those personal preferences.", "The fund has a risk profile formula it follows, and you can't change that.", "And you have to live with the consequences of that asset allocation.", "If you know your risk tolerance well and like the idea of managing your risk", "with different asset allocation models, then target retirement fund most likely", "is not for you. And for me, that has been the case.", "When I first started out in my investing journey, I had no idea what I was doing.", "I made a mistake of investing in actively", "managed mutual funds because that was what professionals told me to do.", "I got wiser and started to look into index funds later, but I still had very", "limited understanding of different asset classes and different types of index funds.", "So I made the decision to just invest", "in target retirement funds because I still wanted to invest.", "It was only many years later when I had increased my investing knowledge and had", "a good idea of my personal asset allocation that I moved away from target retirement", "funds. But to this day, a good chunk of my money is still in target retirement", "fund, and I don't plan on moving them anytime soon.", "It was the best investment decision I made at the time.", "And that is a decision that you must make for yourself.", "For my friend who is interested in learning more about investing,", "target retirement fund is perfect.", "Of course, he isn't growing his investing knowledge, and that is a downside.", "But I've learned that most people are actually in this boat.", "They have careers to manage, families to take care of,", "and other endeavors they want to pursue.", "And if this is you, I say the best investing decision you can make for yourself is", "to buy yourself target retirement fund and invest for life.", "But if you're at a point where you want", "to grow your investing knowledge and also manage your portfolio more hands on,", "check out my video here on three fund portfolio you might find useful.", "But let's say that you are interested in the target retirement fund.", "My recommendation is to invest in Vanguard target retirement fund.", "Now, let's take a look at a few specific funds that will be ideal for you.", "Below in the description, I have a link", "to a website that lists Vanguard's 12 target retirement funds.", "When you go to the website, you'll find target retirement funds", "ranging from 2015 to 2065, plus one for those already retired.", "Vanguard makes identifying your target retirement fund super easy.", "You just need to look at the birth year column.", "For me, given I was born between 1978 and 1982,", "my fund will be target retirement fund 2045.", "VTIVX.", "It's making the assumption that I'll be", "retiring when I'm close to 65 years of age, 25 years from now.", "Now, if you're much", "younger and have 40 years to retirement, then your fund will be target retirement", "2060. VTTSAX.", "And if you're a bit older and have 10 years to retirement,", "then your fund will be target retirement 2030.", "VTHRX.", "Let's take a look at what's within this fund.", "As I mentioned earlier, these target retirement funds are fund of funds.", "So as you can see here,", "the target retirement fund 2045 is holding several other funds within it.", "Four funds specifically.", "The Vanguard Total Stock Market Index Fund, the Vanguard Total International Stock", "Index Fund, the Vanguard Total Bond Market Index Fund,", "and the Vanguard Total International Bond Index Fund.", "They're all low cost index funds,", "and each fund is for different investment objectives.", "You can also see how much of the total", "retirement fund is allocated to each underlying fund as of this time.", "What this fund will do is as you get older and your retirement year gets closer,", "the underlying funds will automatically adjust their allocation.", "It will steadily become more conservative", "by allocating more funds to bond index funds.", "You don't even have to log into your account.", "All this happens automatically.", "The expense ratio here is 0.08%.", "Compared to a basic index fund like VTHRX, which has an expense ratio of 0.04%,", "it is slightly higher, but you are getting additional service", "for that additional 0.04%, which many people find well worth the money.", "In addition, to put that to scale,", "if you have $10,000 invested in this fund, we're talking about a difference of only $4.", "If you're looking to make one best", "investment decision in your life, invest in target retirement fund.", "And if you can, Vanguard target retirement fund.", "The only action you need to take is to identify the specific fund based", "on your retirement year and just invest regularly.", "By choosing to go with a target retirement fund, you'll certainly outperform majority", "of the actively managed funds out there, and you're setting yourself and your family up for success.", "If you'd like to learn more about specific asset allocation models,", "check out a few of my videos here.", "Thank you guys for watching.", "Until next time, all the best.", "." ]

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[ "the Central Bank of Nigeria came up with some policy decisions, and I hope that you know that", "those decisions affect you and I and your businesses. First, now, let's understand what", "those decisions are. First, the monetary policy rate was set at 18.75%. This is the benchmark", "interest rate used by Central Bank to control inflation and economic growth. A higher rate", "indicates a more restrictive policy aiming to curb inflation but potentially slowing down", "economic activity. And we've seen the Central Bank on this road for the past one year and a half.", "Secondly, the cash reserve ratio was kept at 32.5%. This represents the portion of deposits", "that banks are required to keep with the Central Bank. For example, if a bank has 100,000 Naira,", "the bank will keep 32,500 Naira, in this case, which is 32.5%.", "With the Central Bank of Nigeria. So it means that a higher ratio means that banks will have", "less money available to lend to you and I, leading to interest rates that are higher for borrowers", "and reduce liquidity in the economy. Lastly, the liquidity ratio was set at 30%. What that means", "is that it specifies the minimum amount of liquid assets that banks must hold relative to their", "total deposits. It ensures that banks can meet short-term obligations without facing liquidity", "issues. Now, let's explore the impact on various stakeholders. For businesses, high interest rates", "can increase your borrowing costs, potentially limiting investment and your expansion plans.", "For banks, cash reserve and liquidity ratios may reduce their ability to lend freely to you.", "For small businesses, they might face challenges in accessing credit, hindering their growth prospects.", "For savers, you might benefit from a higher interest rate. In this case, now, savings rate", "will be 5.6%.", "So the overall policy measures can influence economic activity. But in conclusion, the job of a central bank also is to find the right balance between these policy tools that is crucial for promoting economic activity as well as taming inflation.", "I will see you all again on our next video.", "Follow for more videos like this.", "Don't forget to subscribe to my channel.", "Moneyline with Nancy Tewi" ]

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[ "You buy gold coins because the dollar is going to go down.", "I don't trust the dollar.", "For most of my life, I've saved gold and silver.", "Everybody can buy a $20 silver piece.", "Everybody can afford $20.", "Will they do it? No.", "They'll be at Starbucks sucking it down instead." ]

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

[ "कि अगर आप भी phone pay app से कोई काम कर रहे हो या पैसे भेज रहे हो", "तो यहाँ पे आपको ये option देखने को मिल रहा है", "phone pay protect activated", "you are safe with phone pay, we are stopping this payment for your security", "तो ये क्यों आ रहा है, हम इसको कैसे ठीक कर सकते हैं, आज ये जानते हैं", "देखी हैं यहाँ पे मैं 25,000 रुपे एक साथ भेज रहा था, यहाँ पे दे रखा है यहाँ पे", "यहाँ पे ये option आपको तब देखने को मिलेगा", "जब आप इसको पहली बार इस्तेमाल करोगे, phone pay एप को", "या आपने इसे एक या डेड़ मैने से इस्तेमाल नहीं किया होगा", "मेरे साथ क्या प्रॉबलम आई थी कि मैंने इसको करीबन एक या दो मैने से इस्तेमाल नहीं किया था", "जिसकी वज़े से दोबारा एक्टिवेट करने पे मुझे ये दिक्कत देखने को मिली है", "तो इसमें आप क्या कर सकते हो कि इसमें आप 25,000 से कम यानि कि", "पहले 8,000 फिर 9,000 फिर 8,000 ऐसे करके पैसे भेज दीजिये", "आप एक बार में 25,000 रुपे किसी को नहीं भेज सकते हैं", "यानि बड़ा अमाउंट सेंड नहीं कर सकते हैं", "अगर आप नया फोन पे इस्तेमाल कर रहे हैं", "या आपने कई दिनों से इस्तेमाल नहीं किया है", "वीडियो पसंद आई है तो लाइक करें", "कोई सवाल है तो कमेंट जरूर करें" ]

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[ "Well, I'm building my credit and it's going to save me thousands of dollars later.", "Don't you mean it's going to put you thousands of dollars in debt?", "I only pay for things that I can afford and I pay it off before every billing cycle.", "I still don't know how that's going to save you thousands of dollars.", "Well, once I get my credit score above 740, I'm going to qualify for the best rates when it comes to mortgages, car loans, and even car insurance rates.", "I mean, it's probably only a couple percentage points. Why does that even matter?", "Think of it this way. Let's say you took out a mortgage of $600,000 and you got a 3% interest rate versus a 5%.", "You're going to save $250,000 over the course of that loan.", "Dang, I didn't know that. Where'd you learn this from?", "I learned this from the Legacy Investing Show here and on YouTube." ]

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[ "जहां बैंक ओफ महरास्टा की कटक यानी ओडीसा बेस ब्रांच के एक कैशियर ने", "एक लेडी के साथ 4 करोड 78 लाख रुपे का फ्रोड कर दिया", "जब इडी ने इस केस की इंवेस्टिकेशन की तब इस कैशियर के 8 बैंक अकाउंट्स", "4 लेंड डोकिमेंट्स और एक फ्लैट इडी ने प्रिवेंशन ओफ मनी लॉंडरिंग एक्ट के अंडर", "फ्रोड केस में सीस किया लेकिन यहाँ पर सवाल ही आता है कि इस कैशियर ने ओन ड्यूटी फ्रोड किया कैसे", "अब इस कैशियर ने बैंक ओफ महरास्टा की अलग अलग इंवेस्ट्मेंट स्कीन्स बता कर इस लेडी के 4 करोड 78 लाख रुपे इंवेस्ट करवा दिये", "अब आप मुझे कमेंट में बताना क्या कभी आपके किसी जानने वाले के साथ बैंक फ्रोड हुआ है" ]

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[ "hello everyone this is Ahmed today I'll have American Express gold review video", "which I have it right here so American Express gold is a metal card and they", "offer two different variations which is you know regular gold which I have it", "right here and then one is rose gold so the annual fee is a hundred I'm sorry", "two hundred fifty dollars but what happens you get hundred dollars travel", "credit that makes it the annual fee is hundred fifty dollars so in order to use", "the travel credit you have to actually book through American Express travel", "sites and when you book your travel then you're going to see that option", "that whether you'd like to use the hundred dollars travel credit it's kind", "of a very small on the screen so you have to kind of look for it because when", "I was booking it I even didn't see it for the first time so once you book the", "you know travel then that makes your annual fee to $150 and one a simple trip", "that even if you don't want to go to travel you can just like you know book a", "non-refundable hotel via American Express travel website", "and then you can use the credit and later on once the credit appears on your", "statement you can just cancel the travel and then what happens you still get the", "hundred dollars credit but you know you don't have to actually travel so that's", "another way of using the travel credit so it comes with lots of benefits and", "features it comes with all the basic insurance features including a trip", "cancellation which many travel creator doesn't want to provide even American", "Express has a few travel credit cards like American Express cobalt or", "Marriott bonvoy they do not give the trip cancellation so this one has trip", "cancellation and so I forgot to mention one thing that if you have an additional", "card holder then you can have the first additional card for free so they do not", "charge anything so in terms of insurance you get all the most of the", "travel insurances trip cancellation trip interruption and hotel motel burglary", "and emergency travel medical and you have flight delay flight cancellation", "and basically have all most of the travel insurance you", "require so before you go on travel just you know get all the information you", "know by reading their insurance manual and then another feature it has that you", "can they have 24 hour emergency travel hotline which you can call in case you", "are like created stranded or you need help this feature actually only specific", "now it has other", "which is like 100 american express hotel collection credit and this is 100 us uh in order", "to get that you have to book it through uh book only you have to book it for those hotels which", "are under the hotel collection program but usually these hotels are more expensive so you're not", "going to get this hundred dollars credit if you're just booking like in regular hotels so on the", "website uh it will show you that which hotels are under the american express hotel collection", "program so now in terms of redeeming points you have a few options you can redeem points for like", "you know directly uh applying to your purchases it's like you know redeeming for cash and you can", "redeem for travel fixed or travel flexible points you can redeem for air canada purchases but i", "wouldn't recommend any of these uh the best way to do your points redemption would be converted to", "you know uh airline points program so for example you can convert it to aeroplan or british airways", "avios and their other programs uh", "that's the way you get most value out of your points so you know do not redeem points for", "anything else but converting to uh travel uh reverse program and uh if you do not know about", "you know uh flight reverse program then you know you can learn and then apply to those points to", "reading for business class flights that's the best way to do uh reading the points uh this card", "doesn't have any concierge services like other premium cards so that only comes with the american", "express plan", "now in terms of lounge access uh you get uh priority pass lounge membership but it doesn't", "give you any priority pass free passes so what it means that if you are using priority pass lounge", "membership you still have to use 32 us each time you enter your lounge that's a negative point for", "this card however it does have for uh plaza premium lounge access which is applicable in canadian", "airports so you get like you know four every year and uh that's uh the best way to get a priority pass", "uh it's free so you get four free passes but in terms of priority pass you have only priority", "pass lounge membership but not the free passes and uh the customer service is you know american", "express provides one of the best uh customer services and uh this card is metal so this is", "actually a stainless steel uh this is made of 13 gram stainless steel so pure metal and the moment", "you feel it or you hold it you can tell the difference although when you're looking at it", "you may not see the difference but you know when you're holding it or when you're touching it it", "feels cold and you can tell that right away it's metal and a premium uh credit card so that's uh", "something you know i like and uh in terms of other benefits and features uh it has like a standard", "american express like you know benefits and features for example they offer time to time", "some like in a special features access to your special promo programs and promotions", "so it comes with all these uh another thing this card doesn't provide is that", "free foreign currency transactions so anytime you are charging your card in foreign countries or", "anything you're buying non-canadian dollars you're going to be paying 2.5 foreign currency", "transaction so that's something to look for so except uh these few you know uh negative points", "uh most of the benefits are very good and uh you know 250 dollars uh minus 100 travel credit", "making it 100 which is not bad and uh i'll talk about the earning uh rewards earning uh", "so the biggest benefits that are and frankly most of the benefits of these are uh", "so how you can get these two things is that um especially if youre looking to do", "some uh get your parts shot you're gonna really use ahh a more traditional from the dat design", "and tech um so if youre больше than an american express cobalt card", "card is a better option but in terms of like in a general uh travel purposes this is not a bad card", "because it gives you all the insurance benefits and most of the benefits you require uh when", "you're traveling except the uh lounge access and the foreign currency transaction fee so i'm going", "to be keeping this card for a while i am but at one point i think i'm not going to keep it for", "too long because you know i'm looking for no foreign currency transaction fee and also i'm", "looking for a lot free lounge passes so for that reason i may not you know go beyond like you know", "one or two years uh but definitely for now i'm happy with the product and again this is not a", "paid or affiliated review there are no affiliated links no nothing for your next travel tips and", "tricks video i'm going to put a link on the screen and i'll see in the next video thank you for", "watching" ]

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[ "Travel credit cards are actually really helpful.", "As long as you want to catch free flights, enjoy great deals on stays,", "get low markup fees on foreign exchange and also access to airport lounges.", "So here are my top 5 recommendations.", "Number 1. City Premier Miles Credit Card which gives you 10,000 miles as a welcome gift.", "Also, you can earn 10 miles for every 100 rupees spent.", "Intermiles HDFC Signature Credit Card offers 10% discount on booking business class tickets", "and up to 5% on booking economy class tickets.", "With Axis Bank Vistara Signature Credit Card,", "you can enjoy complimentary premium economy tickets,", "Club Vistara Silver Membership and travel insurance protection.", "Every 1 mycash earned on MMT ICICI Bank Signature Credit Card is equivalent to 1 rupee", "which can be redeemed to make bookings on MMT.", "And number 5. The HDFC Diners Club Privileged Credit Card", "offers access to 1,000 plus airport lounges across the globe.", "So that's it for today's video.", "If you found this useful,", "subscribe to our channel." ]

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[ "अगर आपके क्रेडिट कार्ड से कोई दूसरा शौपिंग कर ले या आपके खाते से अचानक पैसे गायब हो जाएं तो आपको अब घबराने की जरूरत नहीं है", "RBI ने बैंक खाता धारकों को बड़ी रहती है", "RBI ने साफ कर दिया है कि खाता धारक के साथ किसी भी तरह की धोखा धरी हुई तो नुकसान की भरपाई बैंक करेगा", "अगर गलती बैंक की नहीं किसी थर्ड पार्टी की है तब भी बैंक को ही नुकसान की भरपाई करनी हुई", "RBI के निर्देश के मताविक ग्राहक के बैंक खाते से फरजी लेंदेन हुआ है", "अगर वो तीन दिन के भीतर बैंक को जानकारी दियता है तो उन्हें कोई नुकसान नहीं उठाना पड़ेगा", "ग्राहकों को दस दिन के भीतर उसके नुकसान की भरपाई कर दिजाएगी", "RBI ने साथी ये भी कहा है कि अगर ग्राहक बैंक खाते से फरजी लेंदेन की शिकायत चार से साथ दिनों के अंदर करते हैं", "तो ग्राहकों को ज्यादा से ज्यादा 25,000 रुपए तक की देंदारी का सामना करना पड़ेगा", "अगर ये फ्राउड ग्राहक की गलती से हुआ और शिकायत भी नहीं कराई गयी तो पूरा नुकसान ग्राहक को उठाना होगा", "बैंक को ग्राहक की शिकायत के 90 दिन के भीटर सुलचाना ही होगा", "नब्बे दिन में न सुलजाने पर ग्रहकों को नियम के मुताबिक पेमिंट देनी होगी", "वरजी ट्रांजाक्शन में कुछ ऐसे भी मामले सामने आते हैं", "जिन में ना तो बैंक की गलती होती है ना ही ग्रहकों ही", "इस केस में ग्रहकों को कोई नुकसान नहीं उठाना पड़ेगा", "बैंक ही नुकसान की भरपाई करेगा", "बैंक को इंशुरेंस क्लेम सेटलमेंट का इंतजार किये बिना ग्रहक को भुक्तान करना होगा", "RBI ने किसी भी संदिग्द प्रांजाक्शन पर", "बैंकों के लिए रजिस्टरट ग्रहकों को SMS भेजना जरूरी कर दिया है", "ग्रहक बैंक के SMS का जवाब SMS से दे सकते हैं", "इसके लिए आपको बैंक जाने की जरूरत नहीं होगी", "यानि अब ओनलाइन, डेबिट या क्रेडिट फ्रॉड होने पर", "आपको बैंक के चक्कर काटने की जरूरत नहीं होगी", "यार रिपोर्ट जी मीटिया" ]

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[ "I have 3 crores.", "Why?", "Oh, psych!", "I don't have to work anymore.", "Hey, you idiot!", "That is just enough for my retirement.", "I am not giving you jack shit also.", "Where have you invested this money?", "100% in FD, 5% returns.", "Haven't you heard of equity glide path method?", "That way, there will be money left over for me as well.", "Explain yourself.", "So, when you are 3 years away from retirement,", "put 70% of that 3 crores in debt", "and only 30% in equity to avoid any sudden drop in value.", "Okay.", "Now, as you grow older, keep adding 3% in equity every year.", "So, by the time you turn 70,", "you will have 60% in equity and 40% in debt.", "As per research, this method makes our retirement money last much longer.", "My God!", "Are they teaching you all of this in your ICICI school?", "I follow my man, dad.", "Very nice, Sharon." ]

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[ "MasterCard.", "PayPal Prepaid MasterCard is like many other prepaid cards.", "You put money onto the card and then you can use it wherever MasterCard is accepted, which", "is many places obviously, as MasterCard is one of the major credit debit payment systems.", "So, the big selling point for this card is the fact that you can transfer your PayPal", "balance onto the card, which essentially lets you use that PayPal balance in the real world", "and not just online.", "So that obviously is the big reason that most people are going to want it.", "In terms of how it compares to other prepaid cards, it's fairly run of the mill.", "Your fees will vary, but I can tell you that you are going to pay $4.95 a month pretty", "much regardless.", "And then the fees are going to be on ATM withdrawals and reload fees and other things like that.", "You'll have to go to their website to look at the specifics because it's sort of a long", "list of stuff going on there.", "You can reload your card in a variety of ways.", "You can do it online or you can do it in person at certain stores.", "Again, look to their website to see what those are.", "You can also do direct deposit.", "This is one way to get rid of some of your credit.", "Some of those fees, if you direct deposit a paycheck or a government check such as a", "tax refund, you can put that onto your card without having to pay any fees.", "This is an okay card in this space.", "Like I said, it's pretty much run of the mill.", "But again, the big selling point is that you can take your PayPal balance and put it onto", "that card and then spend that money in the real world.", "So if you use PayPal often and you have a big balance, you can put that on your card.", "more options on how to spend it.", "If you don't have a big PayPal balance, this isn't necessarily the best card for you.", "Like I said, it's similar to many others on the market.", "The prepaid card that we would actually suggest if you don't necessarily need that PayPal", "feature is the American Express Serve card, which has sort of a better fee structure for", "most people.", "So that's it.", "Please come back.", "Go to ProudMoney.com to see other stories in the financial world and comparisons of", "financial products and all sorts of other good stuff as well.", "Thanks a lot." ]

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[ "होंगे कि अब यूपीआई करने पर आपको चार्ज लेगा यूपीआई तो आप जानते ही होंगे जो लोग नहीं जानते हैं वो लोग भी जान लें", "जाने इनिफाइड पेमेंट इंटरफेस जिसे हम यूपीआई सोट में कहते हैं अब पेजाता है तो युपीआई में हो गया फोन", "पर हो गया गूगल पर हो गया तीएम हो गया ऐसे सब बहुत सारे जो आप मोबाइल के द्वारा एक ऐप के जरिए लेंदेन करते", "का इंजेक्शन करते हैं उसे यूनिफाइड पेमेंट इंटरफेस कहा जाता है पूरा जाता है अब सुनने में आ रहा है", "कि यूनिफाइड पेमेंट इंटरफेस करने से मतलब यूपीआई करने से आपको चार्ज देना पड़ेगा मतलब 2000", "दो हजार पे से ज्यादा आप पे करते हैं किसी को ट्रांसफर करते हैं तो आपको वन पॉइंट वन परसेंट चार्ज", "देना पड़ेगा मतलब कि सुल्क कट जाएगा आपके एकाउंट से मैं आपको बता दूं यह पूरी तरह से अफ़वाह या कोड़ी", "करूंगा कि वीडियो को लाइक करिए मन में कोई सवाल पर से रह जाएगा कोमेंट मॉक्स में जरुर लिखेंगे नेशनल", "पेमेंट क़ॉर्परेशन ऑफ इंडिया जिसके अंदर में सारे यूपीआई काम करते हैं तो नेशनल पेमेंट कट पुरक्षण ऑफ इंडिया", "� snackbir खा गया है एक होता है यूपीआइ एक होता है पिपिएई और आप सच मिलने अपनी पता दिया पिपिएई होता है है पद्द फोल्ड", "पेमेंट इंट्रूमेंट जिसे हमशाम क gen i कहते थे में क्या जाता है कि जैसे बॉलेट होता है आपके फोन पर ऊपर", "पे-पे रिहद में बोलेट है जहां पर पैसा आफ करते हैं मतलब अपने अकाउंट पैसा वहां पर लाते हैं और वहां", "से किसी को ट्रांसफर करते हैं बहुत सारे लोग ऐसे भी होते हैं जो अकाउंट को लेने नहीं करते हैं", "को 100.1 из- conseguir 2% फिर फिर पेट करते हैं कई दुकान में खाना काते हैं कोई सामाल नहीं नहीं", "फिर इसका सारे जगह पर सॉपिंग करते हैं तो जहां आप एक है दो हजार से ऊपर जैसे आपकापूम नहीं होगा", "और या आज जैसे उपिऐ से जैसे था जिस काम इसलिए था", "जैसे आप कर रहे थे जो क्लिक करके पैमंट के असंथ", "से पैसा करता है तो जीवन पर आप कोई असंथ", "और घारा से पैसा करता है तो उसमे किसी तरह से", "नहीं लेगा या इस बात समझ लीजिये", "लेकिन आपको बता दू कि National Payment Corporation of India ने कहा है कि उसका सर्वे में पाया गया है कि 99.9% लोग जो है वो एकाउंट कहीं इस्तेमाल करते हैं", "यूपी आई में चाय फोन पे हो गूगल पे हो पे टीम हो इसका लाबा बहुत सारे यूपी आई है उसमें वो बैंक एकाउंट लिंक करके रखते हैं और वही से पेमेंट करते हैं तो वहाँ से जो लोग पेमेंट करते हैं उनको तो 1% भी चार्ज लगने का है नहीं 0% चार्", "टहम होगा एक दिन में यह तेरा कर सकते हैं कहीं भेज सकते हैं तरफ तरफ दिक्कत नहीं लेकिन अपरेसर भेज रहा है तो आपको यह फुल सब्सक्राइब कर रहा है किसी को उस पर चार्ज एक लग तो एक प्लीयर हो गया बहुत ही कम समय में बिल्कुल आसान भाषा में", "मैं आपको समझाया हूं अगर यह सब चीजें यूज करते हैं आपको घबराने की जरूरत नहीं है आप बैंक अकाउंट से", "लिंक कियु का भरानी की जरूरत नहीं यहलों पास खाता नहीं है बैंक आकाउंट नहीं है फिर बैंक अकाउंट है", "shopping के लिए UPI का इस्तेमाल करते हैं", "मतलब UPI से shopping करते हैं 25 करोर लोग", "लेकिन transaction की बात आपको बता दो", "12,98,58 करोर लोगों ने", "अपने UPI का इस्तेमाल किया", "सिफ जनवरी जनवरी को", "तो इसी को देखते हुए सरकार को लगा", "कि transaction बहुत हो रहा है", "इसका कुछ सुल्क होना चाहिए", "ताकि सरकार को भी इससे कुछ फायडा हो", "और देश में भी", "जो राजस्व आये उसने देश का कुछ", "भला हो बहुत कम charge रखा गया है", "लेकिन वो सिर्फ merchant बालों के लिए रखा गया है", "दोस्तों यह जानकारी बहुत ही महितपूर्ण था", "इसलिए मैंने आपको बताया", "और इसी परकार से नए नए जानकारी चाहते हैं", "किसी भी अफ़वा का किलियर करना चाहते हैं", "उसके बारे में आप जानना चाहते हैं", "कुछ भी आपको समझ में नहीं आ रहा है", "बहुत सारी निउज़ आती है", "खबरे आती है", "बेंकिंग से सम्मदित", "इंसुरेंस से सम्मदित", "इसके अलाबा बता दू", "आपको पोस्ट ओफिस से सम्मदित", "लोन, फाइनेज", "जो आपको समझ में नहीं आता है", "लगता ही या फ़वा है", "या फिर आपको लगता ही ये सही है", "तो उसके बारे में अगर जानकारी चाहते हैं", "तो आप कुमेंट बक्स में लिखेंगे", "मैं उस टॉपिक पर किलियर करके वीडियो बना दूँगा", "तो ये बाते आपको समझ में आही गई होगी", "मिलते हैं नेक्स्ट वीडियो में", "एक नए टॉपिक के साथ तब तक के लिए", "शुक्रिया धन्यवाद जैहिंद दोस्तो" ]

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[ "of the best, if not the best, beginner credit cards. And this is still mostly true to this day.", "Since I'm assuming that you may be a beginner to credit cards, I'm going to give you a quick", "rundown. Credit cards like the Discovery Credit Card gives you cash back on the purchases that", "you make, and it also helps you to build your credit score in the process. Assuming that you", "pay your card off on time every time, which is what you should be doing when you get a credit", "card. If you do this, you'll never have to pay interest or a late fee. Boosting your credit", "score helps you get better deals on loans. It also helps you get a mortgage. It can help you", "get an apartment. It can also help you get other credit cards as well. Some people who are younger", "may actually not care about any of this stuff at all, but it's going to take you about a year to", "go from nothing to having an actual decent credit score. So you may find yourself in a position", "later on in life to where you actually want to get something, but your credit is just not good,", "which is why I think it's a good idea to actually get a credit card and just buy gas with it. Just", "buy gas with it, pay the card off on time every time, and you'll boost your credit score in the", "process. And your future self will probably end up thanking you.", "Also, some jobs do run credit checks, and some of those jobs, depending on the state they're in,", "can actually deny you the job if you have bad credit. A credit card is one of the easiest", "ways to start building up your credit score. The Discovery credit card was my first credit card,", "and I didn't even have a credit score when I got it, which is why this card is so oftentimes", "recommended because it's not that hard to get accepted. At first, I just used this card to buy", "gas, and I would pay the card off on time every time early. And as time went on, I got more used", "to it, and I got more comfortable with it. I just started buying everything with it because why not", "get the cash back?", "Now, it's very rare for me to ever use a debit card. Really, the only time I ever use a debit", "card is when I'm using Cash App's card and they have a certain boost available. This review will", "be broken down into sections. I'll have timestamps down below. The Discovery credit card gives you", "1% cash back on every purchase that you make with 5% cash back on rotating categories. The rotating", "categories are actually pretty solid. The first quarter of 2023, we had grocery stores excluding", "Target and Walmart, drugstores, and select streaming services. Second quarter is restaurants", "and wholesale clubs.", "The next two quarters haven't been announced yet.", "Discovery usually has 5% cash back on PayPal, Amazon, and even gas stations at some point during", "the year. This cash back is good for up to $1,500 in purchases per quarter for up to $75 of cash back", "per quarter, which please try not to just max these out every single quarter. You want to just", "buy things you're going to buy anyway. Do not excessively spend with credit cards. Also, for", "the first year, you actually get double cash back on those purchases. So it ends up being 2% cash", "back on everything and 10% cash back on the rotating categories for the first year.", "So if you accumulate $100 of cash back during the year, after those 12 months are over, they'll give you", "another $100. The cash back can be used to pay off credit cards, donate to charity, or you can just", "send that money to a bank account. Discover also has automatic statement credits. At this moment,", "if you sign up using someone else's link, Discover will give you $100 after making your first purchase", "with the card within three months. I'll have my link down below. Feel free to use it or someone", "else's in order to get that $100 bonus. The Discovery credit card has no monthly fees and no", "annuals. The Discovery credit card has no monthly fees and no annuals. The Discovery credit card has no", "fees. Which makes it an excellent beginner credit card. Credit history and having a longer credit", "history boost your credit score. It's best for your credit card to have no annual fees or no", "monthly fees at all. So that way you're not stuck with some card that actually kind of sucks that", "you just keep paying off every single year because you don't want it to impact your credit score.", "Of course, there will be a late fee if you do not pay the card off on time. So I would strongly", "suggest setting up autopay. And what I do is I set it for the full statement balance. This way,", "you never have to worry about late fees or paying high interest as long as you have enough money in", "your checking account.", "If I were a beginner, I would only use it to buy gas at first, pay the card off early, and get more", "used to it and get more comfortable with the credit card. Because this credit card, like every", "other credit card, has high interest. Credit cards are useful for helping you build your credit score", "and giving you some cash back in the process. But if used incorrectly, you'll have to pay a lot of", "interest. Don't be one of these people. Only buy things you're going to buy anyway and pay the card", "off on time every time. One of the best benefits about the Discovery credit card, aside from", "getting cash back, is that their app is actually good. They have a solid app, and they're not", "easy to find what you're looking for. Many other credit card companies have apps that low-key kind", "of suck, or they're just all right. You can also view your FICO credit score through the app. It's", "probably going to take about six months for you to build it up if you have no credit score at the", "moment. From the app, you can request to raise your credit limit, freeze your card, see your", "recurring charges, change your PIN, contact customer service, and more. All through the app.", "On the topic of customer service, Discover has 24-7 customer service. Now let's mention some cons.", "While the app is solid, there are times in which there's a bit of lag when it comes to logging me in.", "It takes longer than it should, which for me at least, this isn't too big of a deal, and it's not", "a deal breaker. The biggest con for me personally would be the 5% rotating categories. You have to", "actually go into the app and activate the rotating categories every quarter. You can usually activate", "the current quarter that you're in and also the next quarter. While this isn't very time-consuming,", "it only takes a minute to do, I'm a set-it-and-forget-it kind of person when it comes to", "finances. I don't want to have to remember to activate the rotating categories every quarter", "it may be. Which as time goes on and your credit score goes up, you can actually apply and get a", "2% cash back on everything credit card. And you can also start churning credit cards for their", "welcome bonuses. Otherwise, there's not many cons with the Discoverit credit card. There's a reason", "why it's so often recommended, especially for beginners. In conclusion, this is still an", "excellent credit card for beginners. I'm not a fan of having to activate the categories in order to", "get the 5% cash back, but it's not that big of a deal. Double cash back for the first year is", "really nice. And $100 statement credit if you make a purchase within the first year.", "I'd also like to note that there are some rules when it comes to credit cards.", "Credit cards can cripple you with high interest debt. At first, it's going to seem weird when you", "use a credit card because you'll buy something and it won't show up in your bank account.", "It doesn't show up into your bank account until you pay off the credit card. So if you're new to", "credit cards, this could actually mess with your mind a little bit, making you think you have more", "money than you actually do. Which is why I suggest only buying something like gas and nothing else", "with the credit card. And just pay that off on time every time. And pay it off early,", "especially if you're a beginner. Get used to this. Make it a habit. Have auto pay set up. Do", "not overspend. Which if you're not entirely responsible with money or you're not entirely", "confident in actually being able to pay it off on time every time, consider getting a different kind", "of credit card. You can get a credit card builder credit card, which is basically a debit credit", "card. If you're smart with credit cards, they could be an excellent tool to get cash back on", "purchases that you make and also boost your credit score in the process and potentially give you", "additional insurances on the things that you're purchasing. Otherwise, here are the rules.", "Remember to set up auto pay.", "Pay your credit card off early.", "Pay your credit card off on time every time.", "Only buy things you're going to buy anyway. Do not buy things that you cannot afford." ]

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[ "Simply go to the NPCI website or click on the link in the description below.", "Then head on to the What we do menu and look for the UPI section.", "Again click on Dispute Redressal Mechanism.", "Then fill the form and input the transaction number and other details at there.", "NPCI will now cross verify the incident and you will get your money back in few days.", "Do like this video if you found this video useful and do subscribe to this channel for more such videos." ]

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[ "फोन पे यूजर है और आपने गलती से किसी को transaction कर दिया है अगर", "आप चाहते की वो पैसा आपको refund मिल जाए तो कैसे हो सकता है ये सारी", "आपको बताता हूँ वो ऐसे आपको करते जाना है तो चलिए वीडियो को स्टार्ट", "करते हैं लेकिन वीडियो को स्टार्ट करने पहले हमारी आपको इस छोटी से", "request है कि चैनल पर नए है तो चैनल को सबस्क्राइब कर दीजिए और बेल के", "गंटे के अंदर आपको वापस मिल जाएगा. बस आपको इस वीडियो को", "complete देखना है, कई पर skip नहीं करना है. तो चलिए सबसे", "पहले मैं आपको बताता हूँ कि कैसे आप अपने पैसे को", "refund पा सकते हैं? इसके लिए आपको करना क्या होगा?", "तो कि वीडियो को skip नहीं करना है तभी आप जा करके सीख", "पाएंगे. इसके लिए सबसे पहले मैं आपको ले करके चलूंगा अपने", "फोन पेपर. तो आप यहाँ पर देख सकते हैं आपको यहाँ पर हमारा", "जितना transaction करके रखा होगा यहाँ पर आपको शो कर जाएगा. तो", "चलि मैं आपको यहाँ पर कुछ दिखा देता हूँ. जैसे मान लीजी कि", "यहाँ पर हमने transaction किया है तो हमें यहाँ पर यह पैसा", "receive हुआ है या फिर आपको आपने भेजा है गलती से भेज दिया है तो", "यहाँ पर transaction किया है यहाँ पर � excellence करना है तो", "जो भी transaction के रूप से दे रहा है तो आप नहीं रखेंगे या क्यल", "तक यहाँ से कामन करना है और यहाँ पर उप ले लीजिए आपने जॉबव purchasing", "की हैं तो इस बटन करने के बाद आपको यहाँ पर कर ले ली जाएगा इस", "open कर लेता हूँ. आप यहाँ पर देख सकते हैं हमारा जो Chrome", "browser है यहाँ पर यह open हो चुका है. Open होने के बाद", "आप यहाँ पर देख सकते हैं कि आपको यहाँ पर search का icon दिख", "रहा होगा. आपको यहाँ पर type करना है. N P C I. आपको यहाँ पर क्या", "देख सकते हैं कि कुछ इस प्रकार से यहा पर यह open हो जाएगा. तो आप", "यहाँ पर देख सकते हैं कि ऊपर के साइड में ही आप यहाँ पर", "left side में देख सकते हैं कि आपको यहाँ पर तीन line देख रही होगी.", "आपको इस line पर click करना है और जैसे आप यहाँ पर इस line पर click करेंगे तो आप यहाँ पर", "देख सकते हैं कि कुछ इस प्रकार से open हो जाएगा ओ ओपन होने के बाद आपको यहाँ पर कई सारे", "option और भी open हो जाते हैं यहाँ पर आने के बाद आप यहाँ पर देख सकते है", "कि आप को यहाँ पर लिखा मिल जाता है UPI complaint आपको UPI complaint पर", "click करना है यहाँ पर click करने के बाद आप यहाँ पर देख सकते है कि कुछ", "इस प्रकार से यहाँ पर आ जाएंगे आने की बाद आपको यहाँ पर नीचे आ свои नीचे आते हो यहाँ पर देख सकते हैं", "कि आपको यहाँ पर लिख करके आ जाता है ट्रांश कि आपको ट्रांड फली ऑफिसेंट पर क्लिक करना है अब जैसे यहां", "रूसलार सकते हैं. ऩिलापन जगहूर नेक्किन परोटी नोट क Committee है, हफ्ते मुख्य भी एकरन की प्रशिक्ष लवित है.", "और गांव न करा। लिए याद कि मूश्माल की कुछ के पिकाली करें want कर रहे हैं और app कर रहे हैं各位 एंड पिकाली हैं।", "मतलब मैं आपको बता देता हूं । person to person का मतलब", "यह होता है कि आपका यहाँ पर simple transaction हुआ है", "यानि एक आदमी से दूसरे आदमी को transaction किया गया", "है । दूसरा यहां पर आपको जो दिया गया है person to", "merchant । इसका मतलब यह होता है । कि आपने यहाँ पर किसी", "select issue drink", "in", "यहां पर आप देख सकते हैं कि यह पर बहुत सारे आप्शंस दिए जाते हैं और आपले पर पूछी", "जाते हैं कि आपने यहाँ पर क्या गलती किया है किस तरीके से आपने पैसा सेंड कर दिया है गलती", "से पैसा send कर दिया है तो आप यहाँ पर देख सकते हैं कि आपको यहाँ पर third number का जो option", "देखने के लिए मिल जाता है incorrectly transferred to another account तो आपको इस पर click कर", "लेना है और जैसे आप यहाँ पर click करते हैं तो आप यहाँ पर देख सकते हैं इस प्रकार से select हो", "एगा important तो आप यहाँ पर n你在 तो नीचे सकते है कि कमेंट आपको comments वाले option पर", "कमेंट तक ही लिख सकते हैं तो यहाँ पर लिखना का यह पय तलब बता देना है कि आपने जो ट्रैकस्चन किया", "वह गलत transaction कर दिया है, गलती से आपने उदना transaction कर दिया है", "तो चलिए मैं यहाँ पर लिख देता हूँ", "तो यहाँ पर आप देख सकते हैं कि मैंने यहाँ पर लिख दिया", "incorrect transaction, ठीक है", "इसके बाद में आपको यहाँ पर नीचे आना है", "आपको यहाँ पर example के तौर पर फिल करके भी दिखा देता हूँ. तो यहाँ पर मैं आपको दिखा देता हूँ", "ताकि आपको पता चल जाए कि transaction ID होती किया है. आप यहाँ पर देख सकते हैं कि आपको यहाँ", "पर लिख करके इस प्रकार से आ जाता है transaction ID और नीचे यहाँ पर आप देख सकते हैं कि आपको", "कुछ यहाँ पर डिजिस्ट और अलफाबेट दिए जाते हैं. तो आपको यहाँ पर करना क्या है? आपको यहाँ पर", "आपको बताना है कि आपका जो account था कौन से bank से जुड़ा हुआ था? जैसे मान लीजिए कि आपका जो", "bank है वो SBI भी हो सकता है. Punjab National Bank भी हो सकता है. या फिर Indian Bank भी हो सकता", "है. इस प्रकार से आपको यहाँ पर बहुत सारे bank दिए जाते हैं. जैसे Airtel Payments Bank हो सकता है. इस", "प्रकार सीड चली लिया पर आपने अपने अगर कुछ दिन रेट आते हैं को बताना जाता है फिर क्योंकि �แลवे से", "sampर बना रहा है फिर मुझी Cash's", "four उसके बाद में at the rate और उसके बाद में वहाँ पर कुछ", "डिटी दियाते हैं जो alphabet होते हैं जैसे ये भी CD ऐसे", "हो सकता है ठीक है तो यहाँ पर आपका जो भी UPI number है", "आपको यहाँ पर इसको फिल करना है UPI ID तो यहाँ पर मैं", "चूंपना तो यहाँ पर यहाँ पर बढ़कर रेल करके रेल कर रेल कर रेल कर", "रेल कर रेल कर रेल कर रेल कि आपको यहाँ पर इसको पढ़ना जाए", "है या फिलकिल पर यहाँ पर यहाँ पर यहाँ पर जो विस्त भी आती", "वाले अलगीती से आपको यहां पर विलट कर देना और सारी डेटेल्स आपको यहां पर सही सब्सक्राइब करना", "है किसी प्रकार को अफ़र सब्सक्राइब लिखा अगर चाहिए क्रिए नहीं करना पिछले आप यह सबसे पहले कहते", "मेना दो हजार चोबीश ठीक तो इस प्रकार से यहाँ पर सेलेक्ट हो चुका है उसके बाद में आप यहाँ पर", "नीचे देख सकते हैं कि आपको यहाँ पर आपसे आपका email id पूछा जाता है तो आप यहाँ पर अपना", "अपना email id फिल कर दीजिए जो भी आपका email id होगा जैसे मैं आपको यहाँ पर फिल करके दिखा देता हूं", "अमन ऑफिसियल यह देखिए आपको सारी चीजें आपको यहाँ पर सही चीजें भरनी है आपको किसी प्रकार की कोई गलत", "सीजिए नहीं बननी है उसके बाद में नीचे आप आते हैं तो आप यहाँ पर देख सकते हैं अपने यहाँ पर पूछा जाता", "है कि देश रजिस्ट्रेड मुबाइल नंबर आप आपका जो मोबाइल नंबर होता है आपको उसको फिल करना है तो चलिए", "सच्चन किया था आपका उसका इसकी सर्टिंग में साथ मैं आपको इस टाइटीगी में लेकर करें तो इसकी पर आप यहां पर", "स्तेल कर लेना तो चलिए जाएं वह क्लिक करता हूं और जैसे मैं आपको क्लिक करता हूं तो यह आपके गैलरी में आपको", "lawyers to a�िफर पर क्लिक कर देना है उसके बाद में आपको मपर कुछ चीजें तीजें आपको कहने की दोस्तों", "पर कुछ कहने की एक बात जैसे मान लीजिए कि आप नहीं कि अपना चैनल किया था जिस दिन किया था तो उस दिन ही", "कि 4 घंटे के अंदर ही आपको ये फर्म फिल करना होता है", "तभी आपका जो पैसा होता है वो आपको रिफंड मिलेगा" ]

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[ "knows about. If you're looking for a safe and higher yielding investment, there is this secret", "CD with rates that are much higher than those that you can find through a bank website.", "These secret higher yielding CDs are called brokered CDs and you can only buy them through", "a brokerage firm like Vanguard, Fidelity, or Schwab. In this video, I'm going to share five", "things. What are brokered CDs? What is the difference between a brokered CD and a regular CD?", "Number three, what are the current rates of a brokered CD? Hint, hint, it can range anywhere", "from four and a half to more than five percent. Number four, I'm going to show you step-by-step", "instructions on how to buy a brokered CD in Fidelity. And number five, I'm going to show", "you how you buy a brokered CD in Vanguard. Here we go.", "Number one, what are brokered CDs? A brokered CD is a CD or certificate of deposit. Again,", "a CD is a savings product offered by a bank and they're considered safe because it's FDIC insured.", "CD rates are often higher than a savings account because you have to lock it in for a certain", "period of time. So if you're buying a CD, you're going to have to lock it in for a certain period", "like six months, one year, or two years. No one really has been paying attention to CDs since the", "great recession of 2008 because why would you want to lock in a CD for like two percent for two years?", "Rates have been really low but not anymore. Right now you can buy a regular CD at a bank for", "at like three or even four percent. What makes brokered CDs unique is as CD rates have been", "increased, you can buy and get rates at an even much higher rate if you buy a brokered CD. And", "where can you buy these brokered CDs? You can buy them only through a brokerage firm like Vanguard,", "Fidelity, or Schwab. The minimum is typically a thousand dollars but Fidelity now offers fractional", "CDs. And the other nice thing about these brokered CDs is that there's no limit on what you can", "purchase.", "Higher yielding savings instruments like I-bonds usually have a limit of like ten thousand dollars.", "Brokered CDs do not have a limit. Number two, what is the difference between a brokered CD and a regular", "CD? There are plenty of similarities between a brokered CD and a regular CD. Both are issued by a", "bank, both are FDIC insured, and both you can buy through different terms like six months, nine months,", "one year.", "The two main differences between a brokered CD and a regular CD is number one, where you can buy them.", "Regular CD you just buy through a bank website. A brokered CD you can only buy through a brokerage", "firm like Vanguard or Fidelity. The second main difference is if you ever need to take out money", "or do an early withdrawal, with a regular bank CD you just get your money back and you forfeit any", "interest you might have earned.", "For a brokered CD it's a little bit more complicated to do an early withdrawal. You have to sell that CD that you bought through a secondary market and you may either get less or more than what you paid for.", "Number three, what are the current brokered CD rates? Right now if you do your research you can buy a regular bank CD, one year CD at four percent. Capital One, Barclays,", "Marcus and a couple other banks offer that rate. But if you buy a brokered CD you can get a similar", "FDIC insured one year CD for like 18 percent more than that, 4.65 or 4.75 percent.", "What about the other terms? Let's look at nine months. For example, a regular CD you can only get", "2.7 percent, but if you buy a brokered CD you can get 4.65 percent and get your money back.", "After nine months. Six months, a regular CD, you can probably only get 2.7 percent right now.", "With a brokered CD, you can get as much as four-and-a-half percent. So that's a stark difference.", "Two point seven percent, four-and-a-half percent. A three-month CD, you can probably, it's probably", "harder to buy a three-month CD. But you can buy some at other banks you can only get one-and-a-half", "percent right now. If you buy a regular bank CD, if you", "you buy through your brokerage firm, Brokerage CD, you can get 4%. If you're looking for a CD", "that offers more than 5%, there is one, but you have to lock it in for a 10-year period.", "Now I'm going to show you how to buy a Brokerage CD in Fidelity. After you log in, click on the", "trade button at the upper left and this will pop out. Instead of stock ETFs, you'll need to click", "on that drop down button and click on fixed income. Click on search inventory.", "And then the fourth tab here, click on CDs and ladders.", "And then you have two options. You can either click on build a one-year ladder where it's", "going to help you more easily buy a three-month, six-month, nine-month, and a 12-month CD.", "Or if you're just looking for a CD that's more than 5% of your total, you can click on build.", "If you're just looking to buy a particular term like six months or nine months or one year,", "you can click on that. Let's say click on one year here. And a bunch of Brokerage CDs", "are going to pop up. So you can see that you may recognize most of them. Some you may not recognize.", "So usually I just click on the highest rate. The two things that you're looking for here is", "you want to make sure it's FDIC insured under attributes. And you want to make sure it's", "called protected. So you want to make sure it's called protected. And you want to make sure it's", "protected. Meaning the bank cannot get your CD back before it matures. So once you're ready to", "buy, just click on the check mark here and click on buy. And it's going to take you to another", "page. If you want to buy $1,000 worth, you have to put one because one CD equals $1,000.", "If you want to buy $5,000, you can put five. And under auto roll here, if you click on yes,", "it's going to roll.", "It over to another CD after it matures. And if you don't want that, just click on no.", "And after that, you want to just, oh, you want to make sure you select an account,", "your brokerage account, and then just click on PV order and submit order at the next page.", "Finally, I'm going to show you how to buy a brokered CD through Vanguard.", "Once you log into your Vanguard account and open a brokerage account, you'll need to go to my", "accounts at the upper right hand corner. And then you'll need to go to my accounts at the upper right hand corner.", "And then you'll need to go to my accounts at the upper left. Click on that and click on buy and sell under transactions.", "And then somewhere in the middle, you can find buy CD. So click on that.", "And then you'll need to click on your brokerage account under select. And then you can select the", "CD maturity that you'd like to buy. As you can see here, you can see the various rates depending on", "the CD term that you'd like to buy.", "And let's say you want to buy a CD between 10 to 12 months. Select that, then click on continue.", "And then you can just select either the highest rate or the bank that you recognize. So for example,", "in this one, I recognize American Express, very slight difference from Merrick Bank.", "And I'm going to select that, click on continue. And if I want to buy 5,000, I'm going to select", "5,000 here, click on continue.", "And it's going to give you a note that says all CDs purchased are FDIC insured. So you don't have to worry about", "whether or not this bank CD is FDIC insured because they're all FDIC insured. And you just click on submit CD purchase.", "And you could get used to that." ]

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[ "Thank you." ]

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[ "कोई भी आदमी एनीडस्क ऐप डाउनलोड करने के लिए बोले रिसब्स ऐप को कभी डाउनलोड नहीं डाला In", "any", "मुफी तरह यदि आपने any desk app डाउनलोड कर लिया है तो आपके any desk मतलब कोई भी आदमी कहीं बैठ के आपके फोन को कंट्रोल कर सकता है आपके फोटोव देख सकता है आपका गैलरी देख सकता है आपके OTP पढ़ सकता है मतलब मान लीजिए कि फोन का कंट्रोल उसके पास है �", "तो any desk app कोई भी आपको डाउनलोड करने कह रहा है तो मान के चलिए आप ठगी के सिकार के बहुत नफ़दीक हो" ]

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[ "Imposters posing as bank employees, tricking victims into sending the money", "through Zelle, the popular quick pay app. Now the scammers seem bolder than ever.", "You ready for this? Laughing at their victims after stealing their money. It", "happened to a Wells Fargo Bank customer from San Jose. She turned to 7 on your", "side's Michael Finney, as so many people do, to get some help. Michael? Great guys, huh?", "Yeah. Steal your money and laugh at you? Smucks. Yeah, I know. Now this woman knew", "seconds after that sending the button, after she hit the send button, she realized it", "was a scam. She yelled at the bank imposter who was still on the phone and", "he began taunting her. She called the real bank and says the bank simply gave", "her the brush off. Now she's not sure which one has made her more furious.", "Oh my, oh my. The moment is seared in Lisa Landry's head.", "She", "watched $3,500 disappear from her bank account and the scammer who took it was", "still on the phone. And the guy knew that I knew and he clowned me. He taunted me.", "So I went, oh my god, you think this is funny. Now this is hilarious to you. It", "happened during a busy night when Lisa was working here at the Cal Expo Winter", "Festival manning a booth. I was selling novelties, you know, stuffed animals. As it", "happened, she had no credit card terminal, so Lisa was using her personal Zelle", "account to collect money.", "And that's when it happened. I get this call. It says Wells Fargo. The caller said", "he was from the bank and someone was taking money from her account. I thought,", "oh my god, one of these customers must have somehow accessed my account. Lisa", "was trying to figure out whom to trust, the customers around her or the guy on", "the phone. But the caller ID matched the Wells Fargo number. So I continued to", "talk to this person. The man on the phone said she'd better act fast or lose her", "money. Oh my god, whatever we have to do, we have to hurry. So I'm in panic mode. The man", "told her she could reverse a fraudulent transaction by sending the money back to", "herself through Zelle. Here I am frantically trying to stop my money from being", "suspiciously taken from my Zelle account. The man told her to delete her phone", "number from Zelle and put her own name as a recipient. There's customers, so many", "people. I can't focus. She ducked into a restroom and sent $3,000 through Zelle.", "Then another $499.", "She received text messages saying she had just sent the money to Lisa Landry.", "That's her. And yet when she checked her account, the money was gone. And I guess", "my name really isn't my name. Somehow I'm authorizing money to go into my Zelle, to", "my name, but it doesn't actually go to my name. Unbeknownst to Lisa, the", "imposters had used her name and her phone number to create their own", "Zelle account to receive her money. And that caller ID, that was fake too. A spoof.", "And then that's when I ran out of the bathroom and I said it out loud to", "people who were standing, I just got taken for $3,500 from some Zelle scam.", "She called Wells Fargo to stop the transfer, but the bank only said file a", "claim. Then weeks later denied it, saying she authorized a transaction and Zelle", "had no fraud protection, so no refund. Even though I may have authorized this,", "you know, it's fraudulent. You have full knowledge that this Zelle scam is", "existing. So you're going to give me my money back. That's what you're going to", "do. But it didn't Wells Fargo tell seven on your side. We never want to see anyone", "become the victim of a scam. We are actively working to raise awareness to", "help prevent these heartbreaking incidents. Afterwards, you're left with", "looking at your account going. I just worked for two months for nothing. Wells", "Fargo has refunded some victims of fraud. The court ruled that the victim was a", "victim of a Zelle scam, but not others and would not tell us why, citing customer", "privacy rules, even though we did not ask for anyone's private information. We", "just wanted to know the ground rules. Now I want to hear from you. Send me your", "stories about buying a home, a car, paying off a loan, anything that has to do with", "money. We want to hear about both your triumphs and frustrations to tell us.", "Just go to abc7news.com slash seven on your side to share them. We're seeing so", "many of these things.", "We'll be right back.", "Wells Fargo is going to have to do something about this. It's becoming very common. And they do catch with your weakest moment. She's busy. She's distracted.", "And she was using Zelle.", "Right.", "That's why you think, oh, oh.", "It's legit.", "They're sending out millions of them. That's how they get people.", "Wow. All right. Thanks, Michael.", "Sure." ]

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[ "इस स्कैम में सबसे पहले स्कैमस्टर आपके पास 10 या 20 रुपए की एक अमाउंट भेजेंगे और फिर उनका आपके पास फोन आएगा कि वो अमाउंट वोने गलती से भेज दिया आप प्लीज उसको वापिस कर दीजिए।" ]

[ 0 ]

[ "Good morning and thank you for joining us for Friday's Daily Market Outlook.", "Joining me today is Emily from our trading room to tell us more about recent developments. Let's hear from Emily.", "Gold prices steadied near three-week lows, touched in the previous session after US inflation data raised expectations that the Federal Reserve will hold far on rates next week.", "The UK's FTSE 100 hit its highest in six weeks after the European Central Bank signalled an end to its monetary tightening cycle.", "While industrial metal miners led the gains after a surge in iron ore prices, FTX received the green light to liquidate $3.6 billion in crypto assets from a US bankruptcy court in Delaware.", "Solana, Ethereum and Aptos are the top three altcoin holdings of the bankrupt FTX exchange.", "The euro-dollar pair fell 0.8% in the last session.", "According to the Stochastic RSI, we are in an oversold market.", "The Bitcoin dollar pair skyrocketed 1.4% in the last session.", "The RSI's positive signal is in line with the overall technical analysis.", "The pound-dollar pair fell 0.6% in the last session.", "The MACD is giving a negative signal which matches our overall technical analysis.", "The Aussie got a slight bump of 0.2% against the dollar in the last session.", "The Williams indicator is giving a positive signal.", "Japan's Tertiary Industry Index is showing a positive signal.", "The US Industrial Production Index will be released at 04.30 GMT.", "The Eurozone's trade balance at 09.00 GMT.", "The US Michigan Consumer Sentiment Index at 14.00 GMT.", "The US Industrial Production will be released at 13.15 GMT.", "Japan's CFTC JPY NC Net Positions at 20.30 GMT.", "The UK's CFTC GBP NC Net Positions at 20.30 GMT.", "We hope that you've enjoyed our Friday Market Outlook.", "On behalf of all of us here, we wish you a productive trading day." ]

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