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[ "In this video we will show you. The interest rate it offers, terms, fees, requirements,", "and our conclusion. As always, at the end of this video, you have a comparison with the 10", "best certificates of deposit that you can open in the United States. You also have more related", "videos in the description of this video. Let's start. The maximum interest rate you can get", "with the 4 Bright Bank Certificate of Deposit is 5.25% APY, with terms between 12 and 17 months.", "This interest rate is competitive and, as you will see in the comparison, it is one of the", "best certificates of deposit in the United States. You can choose a minimum term of 3", "months and a maximum of 60 months. All terms have very high interest. Banks tend to concentrate the", "best interest rates on certain terms, but 4 Bright Bank offers very high interest rates.", "To open the 4 Bright Bank Certificate of Deposit, it is necessary to make a minimum deposit of $1,000.", "4 Bright Bank CD has no monthly fees, and opening the Certificate of Deposit is free.", "4 Bright Bank does not offer penalty-free certificates of deposit, so if you make", "withdrawals from any certificate of deposit, you will incur a penalty.", "4 Bright Bank does not offer information about the penalty you have for early withdrawals.", "If you are going to hire this product, make sure you know the penalties beforehand.", "Also add that 4 Bright Bank is member to the Federal Deposit Insurance Corporation,", "so your money is insured up to $250,000. Even if 4 Bright Bank goes bankrupt,", "your first $250,000 would be safe. From Responsible Economy we recommend that you", "only open financial products from banks that are members of the Federal Deposit Insurance Corporation.", "To open the 4 Bright Bank Certificate of Deposit, you must first open the 4 Bright Bank Certificate of Deposit.", "It is not necessary to have a checking account in 4 Bright Bank.", "In the process of opening the Certificate of Deposit, 4 Bright Bank will ask for your", "Social Security Number and Account Number in the United States. With only these documents you can", "open this CD. On this slide you are seeing the yields and terms. At 17 months you have 5.25% APY,", "at 36 months 4.40% APY, and at 5 years 4.40% APY.", "As you can see in the simulation, if we deposit $100,000 for 17 months, we will have a profit of $7,518.", "It is very important that we make our savings profitable because inflation is very high and prices do not stop rising.", "So that you can see the difference, if we deposit $100,000 at 1% for 17 months, the profit would be $1,419.", "This is why it is so important to shop around before opening any Certificate of Deposit.", "Finally, you are seeing a comparison of the 10 best Certificates of Deposits that you can open", "in the United States in 2023. As you can see, there are 10 banks that offer Certificates of", "Deposit with an interest rate higher than 4.5% APY, and 4 Bright Bank is in the first position.", "For this reason, our conclusion is that 4 Bright Bank offers a very competitive", "investment in the United States. 4 Bright Bank offers a very competitive investment in the United", "On the other hand, 4 Bright Bank has very few branches in the United States, so it can still", "create distrust in some people. We remind you that it is also mandatory to make a deposit of $1,000.", "We hope you liked this video and if you have any questions, you can ask us and we will try to solve", "it in less than 48 hours. You can also subscribe to receive videos every day.", "And visit us at Responsible Economy website and remember that you have more links in the description.", "Have a nice day.", "you" ]

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[ "I'm going to be giving a review on Marcus by Goldman Sachs, specifically their high-yield savings account.", "This video will be pretty straight to the point, but if I leave anything out or if you have any questions,", "feel free to comment those down below and I will answer those.", "I have been using Marcus by Goldman Sachs, the high-yield savings account, since I think since November of", "2019 and I really enjoy using this account.", "I figured it was time to finally make a full video dedicated to Marcus by Goldman Sachs. This is not sponsored.", "I'm not being paid to talk about them whatsoever,", "but I'm gonna go through a little bit about them, the pros, the cons, and", "that's it. I think at the time when I was looking for a high-yield savings account,", "I was just looking for the one with the highest rate. So when I first signed up with Marcus, I think it was", "like 2.85%", "That was back in 2019 before the pandemic and things were fairly high, you know for a high-yield savings account.", "I think that's why I initially went with it.", "I knew going into it because I was in the market for a high-yield savings account.", "I was searching around and I knew that I wanted something with no fees.", "I of course wanted to be FDIC insured and to have the option to have", "multiple savings account in one account, which I'll explain in just a bit.", "But that's typically the general rule like when I when I'm working with", "clients of mine if they're you know, I always will recommend Marcus or tell them that that's what I use", "but I give other options because there are many high-yield savings accounts out there that are great and trustworthy and they have the same", "the same aspects to them.", "So if you're looking for a high-yield savings account, even if you don't go with Marcus, be sure that it follows those or at least", "make sure there's no fees and that it's FDIC insured.", "So the bulk of them are and you should be okay.", "Marcus definitely checks those boxes.", "But yeah, ultimately I did end up choosing Marcus.", "I think at the time because of that the of the higher interest rate", "it was higher than the other accounts that I was seeing but I'm glad I made that decision because I have no regrets to this", "point. I have earned quite a bit of interest from having the savings account and it's pretty incredible.", "There used to be a limit on withdrawals the number of withdrawals per month on each of your accounts with Marcus", "but now that is no longer the case.", "I honestly don't know when that change happened.", "But,", "in the past you could only do six withdrawals from your account per month and now that's out the window.", "You can do as many deposits as many withdrawals as you need to.", "I never even before when that was a limit", "I never ran into an issue because I didn't need to pull from it multiple times in the month.", "Y'all know that when I'm saving for my student loans, which I am currently when I'm filming this November 2022,", "for the past year", "I've been saving in my high-yield savings account for my student loans and I do multiple transfers in the month and there's been no issue.", "With that as for the pros with Marcus by Goldman Sachs, the first one is the higher APY.", "Now again, there are many options out there for you to choose from for a high-yield savings account.", "Marcus is a competitive rate, but many of them are around the same amount.", "But what I mean by this being a pro is that Marcus has a much higher rate than a traditional bank account.", "You know, I do have a checking account. I have multiple checking accounts to be honest, but my main one is with Bank of America.", "I've been with them since I was like", "16 years old but their APY is like point zero. I don't even know point zero one probably point zero two.", "It's nothing like you don't earn anything on the money that you have.", "I actually had a savings account with Bank of America and I ended up getting rid of that.", "I got rid of it several years ago because they kept charging me fees. There were all these, you know,", "I had to have a minimum in there. I wasn't gaining any money on the money I had saved.", "So I deleted it and just kept the", "checking account.", "The interest that you're going to gain from", "a high yield savings account, any of them is never going to be insane.", "Like in my opinion, this is not an alternative for investing.", "It's just a great place to park your money and gain some money on that money.", "So the more money you have and the less that you pull from those savings accounts, then the more interest you can gain.", "I did go ahead and add up everything that I earned just this year so far.", "So from January 22 through October 2022, how much I've gained in interest to Marcus by Goldman.", "So I've been able to get a little bit of a discount on the student loan, which is over $333.", "So far, I did also get a bonus.", "So last year in 2021, if you watch my videos, you may remember that I was using a different savings", "account for my student loan specifically because I was taking advantage of a promo with that account.", "And conveniently at the time of that promo ending, Marcus had a promo where if you deposited $10,000,", "you get an additional $100.", "It's like a $100 bonus.", "So I took advantage of that. So I'm very happy with that. So, yeah, I think I'm going to keep going.", "I'm going to keep going.", "And I did get an additional $100.", "So in total from Marcus this year, from January through October, I've gained $433, which is pretty solid.", "And you may be wondering how much money I've had in those accounts throughout this time.", "And the way that I use my high yield savings account is for my sinking funds.", "So I am constantly putting money in.", "I put money into them each month, but also I'm frequently pulling from them.", "So the amount would fluctuate.", "And therefore,", "the amount of interest that I would gain is not on a set amount.", "But I started January with a little over $8,000 in my Marcus by Goldman Sachs account and ended October with over $32,000.", "So back in January, I gained about $6 in interest from Marcus.", "And now with this balance, it is over $74.", "So, yes, of course, the more money that you have saved,", "the more interest you are going to gain on that money.", "And then that is going to stay in there.", "If you choose to let it stay in there, it will compound on itself.", "But even if you have a smaller amount, let's say you have an emergency fund of $2,000, $3,000", "in Marcus or any high yield savings account, you are not going to gain hundreds of dollars in interest.", "But if you were to have that money in just a regular bank account,", "you basically would earn nothing on that money.", "So you might as well keep it in a high yield savings account.", "And get a little bit of interest on that.", "The reason that online banks are able to do this is exactly because of that.", "They are online banks.", "So instead of having a place for them in, you know, like if you drive around,", "you will see a Bank of America, you will see a Wells Fargo,", "you will see all of these other banks, and that costs them money.", "So to have a location costs money to have those employees, it costs money.", "But online savings accounts cut that out, so they don't need as much money to operate.", "And of course, they don't have to pay for that.", "They do have customer service.", "So you have somebody you can get in contact with, you can, you can reach support,", "but they have much lower operating costs.", "And then therefore we benefit and can gain more money on our savings at the time of me filming this.", "So it's November, 2022.", "The current interest rate is 3%, 3% APY.", "However, I also have a referral link.", "That's always linked down below and you can get an extra 1% for three months.", "So that's 4%.", "And if you have friends or family that don't have a high yield savings account yet,", "and you are, you know, open to sharing something or recommending something,", "you can also refer people and get the extra 1% for three months,", "three additional months if you refer people.", "So that's open to you as well.", "I have that link down below.", "And so you'll get 4% for three months as of right now.", "Of course, the interest rate may go up or it could go down.", "So throughout the pandemic, the interest rate did go down.", "That's that way.", "I think it was standard across all high yield savings accounts.", "So as I said, when I opened it, it was close to 3%.", "And then the lowest it went was 0.5% and it hovered around that for over a year, I think.", "So it is going to fluctuate.", "It just depends on the state of the economy.", "The next pro with Marcus Bygold MnSax is that you can have multiple savings buckets under one umbrella.", "Again, most online banks have this feature, but it is something that is so important to me.", "And I find that the way that Marcus Bygold MnSax is the way that it's been used to get the most money.", "So if you log onto your account, you are going to see at the top your total balance.", "And then beneath that, you are going to see all of your accounts and they're just like listed out.", "And you can see the balance in each of them.", "They're all at the same interest rate.", "So even if you have 10, 12, 15 different accounts, then they're all still earning the same APY.", "You can also name these accounts.", "So I specifically put on each of them a little title of what I'm", "saving for.", "So for my student loans, travel gifts, all the sinking funds that I have, I named them.", "And I really love that it's under one account and I can see it all under one login.", "They do all have different account numbers.", "So if you want to set up automatic transfers to one account and also set up automatic transfers", "to another account, those have two separate account numbers.", "And you have to pay attention to that because obviously it's going to be going to different", "savings, but all in all, it's under the same.", "Umbrella.", "Now I'm not sure how many accounts you can have.", "When I first started, you could have up to 10 accounts, but I definitely have over 10 now.", "And I've been able to open another.", "I'm not sure if that's changed or once you've been a customer for some time, you can add more,", "but I haven't run into an issue.", "Plus 10 is plenty.", "Like I find that I kind of recycle the accounts that I have renamed them something else and", "move on to my next savings goal.", "And it works fine for me.", "As of right now, I'm not sure how many accounts I have.", "It gives me the option to add more, but 11 has been fine for quite some time.", "Pro number three is that I find the transfers to be pretty quick.", "It will say that the transfers are going to take, you know, one to three business days,", "but there have been times where I've like, I don't know if I woke up early in the morning", "and I made a transfer, a large transfer, even like $500 plus to my main checking account.", "I got that money the same day.", "And that's obviously not a guarantee, but if you do the transfer early enough, it should", "come within that same day, or at least by the next day.", "I've never had an issue where it's taken, you know, days and days or anything of that", "sort.", "It has never been a problem for me.", "Of course, in general, I just try my best to make sure my checking account is set and", "I don't, you know, absolutely need money within the day, but it has happened before.", "You'll know that several months ago.", "I accidentally overlapped.", "I overdraft my account and I, that was when it happened.", "So that, that morning I was like, oh my goodness, let me pull from my emergency fund.", "And I made the transfer and I got that money that same day.", "And it saved me from a fee with my checking account with bank of America.", "So yeah.", "Now as for the cons with Marcus by Goldman Sachs, my first problem that I have is I don't", "like their app.", "Now I am an Android gal.", "I have an Android.", "I've always had an Android.", "Sorry.", "That's just what I prefer.", "So I don't know if that's the reason, but I find that the mobile app is not great.", "It does not tend to work for me or there's yeah, it just will like close spontaneously.", "And I think that's, I honestly haven't even tried in probably the past year.", "I haven't tried to go onto the actual app itself because I just had a bad experience", "with it.", "And I just go to Google type in Marcus and it pops up and then I go through the actual", "website on my phone.", "The other con kind of going along with that.", "I feel like the website too has, I feel like the website is a little bit slow.", "Like if I'm trying to make a transfer, it seems to take a long time.", "It has several screens for you to go through, which makes sense.", "Like you have to tell them where the money's coming from, put all the information, the", "amount that you need, and then they prompt you so that you confirm that transfer.", "But I feel like sometimes that that loading time takes kind of long.", "I'm not sure why that is.", "I'm not sure if that's because I have multiple accounts or if that's just a Marcus problem.", "To me, it's not like a deal breaker whatsoever.", "I think the thing is that we've gotten so used to things being super quick.", "So anytime that I have to wait, it's just like something I noticed because I'm so used", "to things going really, really fast.", "And that may just be a me problem again, or it may just be an Android thing.", "I have no clue, but let me know if y'all experienced that with Marcus.", "I feel like that's the only issue.", "It can sometimes be a little slow, but no problem with that.", "Doesn't mean like the transfers are slow or that like.", "There's any problem.", "It's not a deal breaker whatsoever for me.", "Overall, I obviously recommend Marcus by Goldman Sachs, and I just wanted to make this video", "because I have been using Marcus for quite some time now and haven't put out a review", "video for it.", "So let me know if you have any questions.", "Please feel free to share if you use Marcus and what you think of it.", "Thank you so much for watching.", "Please give this video a thumbs up, subscribe if you haven't already, and I'll see you in", "my next video." ]

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[ "लेकिन हमारे एक सब्सक्राइबर अनीकेथ का ये एकसाइटमेंट एक महीने भी नहीं चला।", "अनीकेथ जो की एक स्टूडेंट है, उन्होंने अपना पहला बैंक अकाउंट खोला SBI ले।", "चार हजार रुपे जो पॉकेट मनी से बचाए थे, वो भी बैंक में जमा करा जाये।", "लेकिन कुछ ही दिनों बाद अकाउंट आधा खाली हो गया।", "ब्रांच में बात करी तो पता चला कि उनको कोई तो SBI जनरल इंशौरेंस चिपका दी गई है।", "और अब उनके आटो पे में हर साल 2000-95 रुपे कटते रहेंगे।", "ये कौन सी इंशौरेंस है, कब अपलाई किया, अनीकेथ को कोई आइडिया नहीं।", "और ऐसा सिर्फ अनीकेथ के साथ ही नहीं हो रहा।", "बैंक्स के द्वारा इंशौरेंस मिस्सेलिंग के केस बढ़ते जा रहे हैं।", "तो ऐसी सिट्वेशन से बच्चे कैसे?", "सबसे पहले ये समझ लो कि हमारे लिए केवल दो तरह की इंशौरेंस सबसे ज़रूरी है।", "वीडियो बना रखा है वो भी आपको पिंट कॉमेंट में मिल जाएगा।", "जैहिन।" ]

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[ "व आपकी QR को सब्सक्राइब करेगा कोई भी लाइन हो सकता है", "यह आपकी QR को डालिन देखना लेता है और आपको दिखाएगा कि ये आपका शता हैbet", "और फिर आप बोलेंगे कि यस ये मेरा ही नाम है", "और फिर वो amount enter करेगा", "amount कितना amount आपको send करेगा", "और फिर आपको दिकाएगा", "send नहीं करेगा आपको दिकाएगा कि", "इतना रुपया मैं send कर रहा हूँ", "उसके बाद में वो वहाँ से back आएगा", "और payment कांपर send करेगा", "और फिर आपको send करेगा" ]

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[ "UPI Payments के लिए एक बहुत बड़ा अपडेट आया है, जो के आज इस वीडियो में बताने वाला हूँ.", "और अगर वो transaction दो हजार हुपे के उपर का है, तो आपको चार घंटे का वेट करना पड़ेगा.", "पाइदा तो यह है कि अगर आपने कोई गलत transaction कर दिया, आपने जादा पैसा गलती से भेज दिया, या गलत UPI ID पे भेज दिया,", "तो आप चार घंटे के अंदर खुद ही उस transaction को cancel कर पाएंगे.", "लेकिन नुकसान यह है कि अगर आप शूपिंग करने जाती हैं, तो वहाँ पर भी आप direct पैसा transfer नहीं कर पाएंगे,", "तो आपको या तो चार घंटे का वेट करना पड़ेगा, या तो आपको हमेशा cash carry करना पड़ेगा." ]

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[ "हां नहीं हो रहा ना. पैसे माय बेहतर जैसा है तो इसकी ब Clear करना चाहीद किया है कि", "दूसरी विकालिया डाला नहीं होगा। अंत माय सोचे यह है,oony अगर किनीज को", "है ठीक है तो वीडियो को स्किन मत करना पहले स्टार्टिंग में बता देता हूं क्योंकि ऑलरेडी मैंने काफी", "इसके ऊपर वीडियो सप्लोड की है जाकर चेक आउट कर सकते हैं यदि आप गूगल पे पेमेंट करी है तो वहां पर भी जा", "चेक आउट कर सकते हैं सारी वीडियो चैनल पर अवेल्बल है अब मैं तुम्हें स्टेप टू स्टेप बताना शुरू करता", "हूं देखो सबसे पहले इसे रखना कि यदि आपसे गलत पेमेंट हो गई है तो आप कोशिश करो जल्द से जल्द इस प्रोसेस", "फॉलो करें जो मैं आपको बताने वाला हूं ऐसा नहीं कि आज पेमेंट करी थी वह यानी कि दो दिन हो गए चार दिन हो", "गया ऐसा मत एक दो घंटे आफी चार पांच घंटे आफी एक दिन लेट हो गई चलो कोई बार नहीं प्रोसेस अभी आप फॉलो", "पैसा मिल जाएगा ठीक है तो आपको एनपीसी आई जैसी रिखेंगे उसके बाद को सर्च कर दो ठीक है सच करने के बाद", "आपको उनकी ऑफिशल जो है वेबसाइट मिल जाएगी जैसा कि तुम्हें बता दो जो एनपीसी है यह जो है सभी यूपीआई", "टाइमिशन को कंट्रोल करती जितनी भी एप्लीकेशन है गूगल पर फोन पर सारा जो है आप इस चीज का आपको ध्यान", "रखना है कि जो आपको टॉप पर लिंक मिला हुआ इसी के ऊपर आप क्लिक करेंगे क्लिक करने के बाद आपके सामने जो एक", "करके यहां पर देख Powers लिखा get in touch इसके ऊपर आप लिखिर्ड ठीक है अब जैसे आप फास करेंगे क्लिक करेंगे", "ना मैं आपको दोबारा बताता हूं यहां पर get in touch लिखा हुआ इसके पर आपको आप रिकर यहां पर आएगे आपको यूपीआई", "सब्सक्राइब कर दो आपके सामने इस तरीके से आज आगा अब कि आपको का कैसा और क्लिक करेंगे तो पहला यह बताऊंगा वह तीनों", "पूरा करो तब जाकर आप पैसा मिलेगा आपके बैंक में ठीक है तो अब आपको इस तरीके ध्यान से देखना मैं अब", "क्यूं बताने वाला हूं ठीक है तो यहां आपको कहला इस तरीके से देखना मिल जाएगा ट्रांजेक्शन ने", "सबसे पहला आएगा नेचर ट्रांजेक्शन, इस तरीके से सेलेक्ट करो, आपने किसको पेमेंट करी", "है, किसी कमपणी को, किसी मर्चेंट को, या फिर person to person, किसी person", "की account पर कर दिया है, तो person to person लिख दो, ठीक है, और उसके बाद", "तो यहां पर एक एशू, select issue क्या हुआ है? तो आपको यहां पर ध्यान से select करना है, जो आपको बताने जा रहा हूँ, यहां पर लिखना है, incorrect transfer to another account, यानि कि गलती से जो है, पैसा किसी गलत account में चला गया, तो यह वाला select करना option, ठीक है, select हो गए, दो option, ठीक है, अब आपको य", "यहां पर लिखना क्या है, चाहें तो आप मेरी वाली वीडियो को pause करके रोक कर देख लो, लिखा है, मैंने dear team, by mistake, मैंने जो है, by mistake, I have made payment to another account, please refund my payment because I need my refund, I have urgent and I have poor background, यानि कि मेरे पास जो है, बहुती ज़रूत थी इन पैसों की, और मेरा कोई background कोई अच्छा नहीं है, तो", "मैं open करके दिखाता हूँ, जैसे phone पे open करो, ठीक है, यहाँ पे मैं आपको show कर देता हूँ, transaction ID कहाँ पे, कई बार भाई लोगों को नहीं पता, यहाँ देखो, history आ रहा है option, इसके पर click करो, यह देखो, जैसे कि तुमने किसी को payment करी होकर, तो यहाँ पे आएगा transaction, यह दे�", "जो आपको है, transaction ID लिखा होगा न, यहाँ पे आप इसको copy कर ले, इसको copy भी होगी, copy होगी न, यहाँ पे copy होकर यहाँ पे इसको paste कर देना, यहाँ पे इस तरीके से आओगा, यहाँ पे इसको hold रखना है, और यहाँ पे इसको", "इसको अपने गल्प पेमेंट कर दी तो यहां पर आपको अपना बैंक जो है सेलेक्ट करना जैसे कि फोर जाम लेकर जो", "भी आपका बैंक वह सेलेक्ट करने ठीक है फिर करने के बाद दोस्तों यहां पर आपको यूपी आईडी पूछी जाती है तो", "रुपए थे ना जितने आपने पेमेंट करें जैसे कि फोर जामल दो के या फिर चार के जितनी भी आपकी बैंक थी वहां पर", "आप यहां पर टाइप कर दो अब आपसे पूछा जाएगा कि आपने किस दिन यानि किस तारीख को अपने यह ट्रांजेक्शन करिए देखो", "जाएगा एडियो के साथ वहां पर जाऊँ गए ना तो वहां पर आपको जिसने अपने पेमेंट करीदी वह टाइप करें जैसे कि जितनी", "जा रही थी ना वह टाइप कर दें टाइप करने के बाद दोस्तों अब आपको यहां पर ऐड इस तरीके से प्लीज यूज था", "कैलेंडर टू था सिलेक्ट डेट ठीक है तो यहां पर यह भी आ जाता है इस तरीके से हो गया एमेल आईडी एमेल आईडी प्लीज", "एंट्री उयरसिटम वानिबाल तो जैसे आप यहां पर मोबाइल नंबर टाइप कर देंगे टाइप करने के बाद दोस्तों आपको", "ध्यान से अपना नंबर टाइप करना है जो नंबर आपका बैंक में डाला हुआ लिंक है वहीं नंबर डालना है आपको और कोई", "बल्कुल का नंबर नहीं डालना ठीक है इस चीज का आपको ध्यान रखना है जब आप नंबर डालने के बाद आपसे पूछा जाएगा", "अटैच यू अपलोड अपडेटिव बैंक अकाउंट तो यहां पर आपको क्या कहना है 6 मंत की आपको यहां पर बैंक अकाउंट", "तो यहां पर पता लग जाएगा कि यहां यह वयल पूम नहीं है यहां पर टूब पर जाओगे तो यहां से इसको जरील", "से लैक होता है इस तरीके के से फ्रेंड करोगे ना तो यहां पर इस तरीके से फ्रेंड ठीक है आटेड यहां पर यहां पर", "वह फाइल लेट कर लेना ठीक है जो आपने यहां पर बैंक स्टेटमेंट निकालते हैं ऑनलाइन वह उसके बाद यहां", "पर समिट कर दो जाएगा समिट कर दो ना तो जैसे आप समिट कर दोगे आपको जो है इनके द्वारा ईमेल पर आपसे", "लेने पर कर लिया जाएगा सारी डिटेल निकल जाएगी आप ही ठीक है और महाप्पे कोशिश मिल जाएगा अब आपको मो� witness", "जो अपने लेवल से बात करेगा कि हां इतनी amount है तो यह refund कर दी जाएगी आपके bank account में", "बट आप जाएगा आपको जाना पड़ेगा bank और अपनी सारी details लेकर जाने जाने जाने आधार card,", "bank card या फिर bank की सारी information ले जाना और bank statement भी निकलवा लेना या फिर update करवा", "जाने जाने पास बुक वहां पर उनको खुद ही पता लग जाएगा उनको आप बता देना कि इतनी payment कर दी है", "मैंने इस वाले account पर तो bank जो उसको message करेगा उस वाले व्यक्ति को जिसके ऊपर आपने भेज दिया था", "पैसा अगर ज्यादा मोट चला गया 10,000 20,000 15,000 ठीक है तो वहां पर जो है बात करके आपका पैसा", "रिफरंट करवा देगा और एक और चीज बता देता हूं आपको क्या करना है यहां पर मैं आपको एक नंबर दे रहा हूं", "बताया था दूसरा है कि आपको बैंक जाकर अपनी सारी डिटेल लेकर जाओ उनको बताओ कि ऐसा हुआ है अगर आपकी", "पेमेंट ज्यादा हो गई है ठीक है तीसरा है कि आपको यहां पर कस्टमर के से बात करनी है यह तीन तरीके हैं और इनके", "बाद यही बता दो कि कितनी पेमेंट आपने कर दी है ताकि मुझे पता चले कि हां अगर ज्यादा मांट वाले लोग भी हैं", "तो क्या प्रोसेस करना चाहिए वह भी आपको बता दूंगा तो प्लीज आप मुझे कॉमेंट वॉक्स में इंफॉर्म करें और मिलते", "हैं इस विडियो में चैनल को सब्सक्राइब करें तो भी मेरी वीडियो जो आप तक पहुंच पाएंगी मिलते हैं एक चुड़ों में" ]

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[ "આજે રાતે મેં GST નો પ્રામેન કરું પ્રસીજારે એકદમ શરરશે", "એકદ મીનીટ બાબ પ્રામેન ભી થાઇકીઓ અને ચલણ ભી આવી ગીયો", "GST શરર કરણે કરેલે HBI કો ધન્રવાં" ]

[ 0, 0, 0 ]

[ "survive the cost of living crisis. Nigerians are really feeling the strain on the Naira because of", "highest inflation in decades. Number one, create a budget. Budget doesn't necessarily mean", "sacrificing. It is more about tracking your expenses and money planning. Find areas where", "you can cut back and prioritize your needs. Identify what your fees costs are like rent,", "energy, food, and transport, and set aside that amount. You can also review your budget regularly.", "Two, plan your meals as eating out can be costly. Cook at home. Consider buying local seasonal", "produce to save even more. This reduces the amount spent on groceries, saving you money,", "and also less food wastage. Three, use less electricity by decreasing usage,", "turning off the lights, and high energy consuming appliances when not in use.", "Four, you can have multiple sources of income. Think of skills that can make you money.", "If you have some, you can make money. If you don't have money, you can make money.", "If you don't have spare time, why not use it to make extra cash? Finally, for now,", "financial literacy is one of the most potent instruments. Understanding where your money goes,", "the better you manage your finances. Prioritize financial literacy. Don't forget to share this", "video across your network and follow all our social media handles. You can see them on the", "screen. Subscribe to our YouTube channel, Moneyline with Nancy TV. I'll see you in the next video." ]

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[ "Today I'm going to show you how to do a smart empty on our Bitcoin ATM machine.", "First thing you want to do is log into your machine.", "Secret code up here.", "Tap 10 times.", "Type in your secret password.", "Now on the configuration screen you can see initiate smart empty.", "And out comes your receipt which will show you what's in the machine.", "If you come down here you can see that the light's blinking, the machine's starting to", "make noise.", "It means your smart empty's working.", "Once the machine has stopped making noise and the light stopped blinking, check your", "screen and we're good to go.", "So now we're going to open our machine.", "Come down here with me.", "Okay.", "Insert the lock.", "Push the button.", "Swing the arm back.", "Voila.", "Now we have to unlock our cash box.", "Very simply, pull this out.", "Get the correct key.", "Alright.", "There's your cash.", "And now we're going to open our machine.", "Repeat the process in reverse.", "Now the key to putting your cash box in, come here.", "You want to hear this sound when you push it all the way in.", "That's how you know.", "Make sure it's flush.", "Shut the door.", "Lock it.", "Good to go.", "We're good to go.", "Close the door.", "You swing your arm back down.", "Push that button.", "It has to make sure it's locked.", "And that's how you do a smart empty." ]

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[ "frauds that were never prosecuted. One that comes to mind is Global Crossing. You might remember", "back in 99, 2000, this fiber optics telecommunication giant popping out of nowhere,", "led by Gary Winnick, who was famous for Laker seats on the floor at Staples Center and a 64", "room mansion home in Bel Air. The company's value at one point was $54.5 billion with a B.", "Unfortunately, after the dot-com bubble burst, so did Global Crossing, and it was found out that", "they were cooking the book.", "They were using an accounting fraud trick that I am very familiar with called round tripping.", "Now, don't worry, don't trip. You don't need to know about round tripping, but it just means that", "me, to inflate my sales, I find a customer, give them cash under the table, pay for my own services", "so I can inflate my revenue. Apparently, the folks at Global Crossing were cooking the books by", "round tripping. But of course, Mr. Winnick, who profited about $6 billion and stood up for the", "company, was the one who did the most to profit more than anyone had nothing to do with it.", "And not even much to the shame of the SEC at the time, and many believe for political reasons,", "he wasn't even civilly charged by the SEC. There were some settlements for about $300 million,", "but it didn't come close to the hundreds of employees who lost their jobs and pensions.", "A tragic case. $6 billion profited by an individual. A $54.5 billion,", "$5 billion evaluation with a B. Accounting fraud conclusively proven, and nobody went to jail.", "What message did that send to those crooked bankers in 2008, 2000? Winnick didn't go to jail.", "I'm not going to go to jail for billions either. I'm Barry. That's your Frog Minute." ]

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[ "उसका screenshot में लिया हुआ है आप लोगों को दिखाने के लिए", "ये number जो लगा हुआ है इस phone में ये ना तो किसी bank से link है और ना ही कोई भी payment app से", "Paytm, Google Pay, Phone Pay हो या फिर कोई भी bank हो किसी से भी linked नहीं है इतमेंस की बिलकुल ही fresh number है", "और इस पर जो है कुछ इस तरीके का message आया था अब देखो दोस्तो जिस phone में मुझे ये message receive हुआ है", "ना तो कोई उसमें apps है एक game तक नहीं installed है ऐसे में अगर ये message उस phone में आया है तो भाई मैं इस पर इसलिए इस link पर click करके आपको दिखाने जा रहा हूँ क्योंकि इस phone को जस्ट उसके बाद मैं reset कर सकता हूँ ठीक है", "नॉर्मल phone है तुरंत reset कर दूँगा factory reset तो यहाँ पर जब मैंने इस link पर click किया आप देख सकते हो भाई कि ये redirect हो जा रहा है google play store पर और वहाँ पर जो है एक stress fin नाम की app को show कर रहा है", "इत मीन्स कि हम इस message को ये समझ सकते है कि ये stress fin वालों ने जो है इस तरीके के message जिस लोगों के phones पर send किये है या करवाए है जिससे कि लोग उस पर ये सोच करके click करे कि 3800 पर आ गए हैं और बस withdrawal करना है click कर रहे हैं तो बस वो app में पहुँच रहे हैं और लोग साइद उस app क", "को download भी कर लेंगे और वहाँ पर उनसे जो है उनसे detail मांगी जाएगी आधार, pen, photo ये सब चीजें और जो उसमें वो चीजें फिल कर देगा तो साइद उसको जो भी eligibilityability होगा जो भी उसका loan का amount होगा अगर उसको उतना का loan लेना होगा तो वो लेगा अपनी banking detail वगेरा डाल क", "करके otherwise जो है उसको अनिस्टॉल कर देगा यही चीज होने वाला है न अब आप किसी loan app को download कर रहे हो तो अपनी detail डाल करके आपका जो भी eligibility के अनुसार amount होगा कि आपको इतने का loan मिल सकता है अब अगर आपको उतने का loan चाहिए होगा तो आप जो है लोगे otherwise उस app को अनिस्ट", "अपने personal phone में click करते हो कोई app download होता है वो आपसे permissions वगेरा ले लेगा तो सायद आपके phone का access भी उन लोगों के पास चला जाए ऐसे की contacts का messages वगेरा का तो यहाँ पर जो है आपको किसी भी unknown links पर click नहीं करना चाहिए अब अगर आपके पास भी यह same message या इस तरीके का message आया है", "मेरे हर एक वीडियो के description में आप check कर लेना और channel पर आप पहली बार आये हो तो यार subscribe कर लो क्योंकि यहाँ पर हमेशा आपको awareness की ही जानकारी मिला करेगा चलिए मिलता हूँ next awareness वीडियो में thank you so much" ]

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[ "release of the Wells Fargo Active Cash, the Citi Custom Cash and you know what", "they say, they say that things come in threes. Actually did they say that? Who's", "they? Anyway there is a third cashback card that has just been released and", "that is the Bank of America Unlimited Cash Rewards card. Now Bank of America", "customers who had early access to this card have been sending me screenshots", "for over a week now so I was kind of primed that this card was gonna be", "released and it is an unlimited cashback card that you can actually earn", "up to 2.62% in cashback, on all", "spending, okay? And there's a special way to be eligible for that so stick around", "because I'm gonna tell you exactly how you can do that at the end of this video", "and while you're at it why not hit the like button for the YouTube algorithm", "okay it really helps. Anyway let's get into talking about all the rewards of", "this card. So first of all this card is what I would call a Tier two card in my", "five-tier credit card system in that it earns some rewards but it does not have an annual fee.", "So what are the features of this card? Well first up we have a $200 sign-up bonus for spending $1,000", "in the first 90 days and that's a pretty standard amount for a card in this tier.", "Normally in tier two I would say you get a sign-up bonus from between $100 to $200 so this is at the", "upper end of that. Usually it's for spending $500 this is spending $1,000 so the spending", "is a little bit on the high side but to be honest it's only $1,000 that's $333 a month that you'd", "have to spend to get that okay because it's three months so really it doesn't make much of a", "difference and I think most people will find it very easy to get this welcome bonus. Next we have", "1.5% cash back on all purchases with no limit all right now I did say about that 2.62% cash back", "there is a way that you can get that increased cash back rate I'll talk about that a bit later", "on in the video but yeah 1.5% cash back on all purchases.", "No limit is the base rate that matches cards like the Capital One Quicksilver,", "the Chase Freedom Unlimited etc. 0% intro APR for 15 months on purchases and balance transfers", "and then it goes up to 13.99 to 23.99% depending on credit worthiness that's a pretty standard", "range so if you wanted to finance a brand new sofa or computer or something for 15 months this", "would actually be a pretty good way of doing it and then like we said the card has no", "annual fee but it does have foreign transaction fees of 3% that's pretty standard okay I know", "there are some cards that have no annual fee that don't have foreign transaction fees but we don't", "really expect that in this tier okay so probably not the best card for international travelers", "but that's not really what this card is about. So I did say that there was a way for you to", "increase that cash back rate from 1.5% all the way up to 2.62% and here it is so if you have", "reasonably large deposits not actually a lot of deposits but if you have a fairly large deposit", "increase in the rewards rate that you earn on Bank of America credit cards okay so to qualify", "for the gold tier you actually only have to have $20,000 and that will get you a 25% increase in", "credit card rewards so in other words that 1.5% increase in credit card rewards is actually a", "pretty good thing and that's why I think cashback will become 1.875% and to get into this tier to be", "honest $20,000 you know a lot of people have retirement accounts etc you could easily have", "that just put that account with Merrill Lynch and those investments those stocks and shares", "or whatever and hey bam your credit card rewards go up and actually this applies to all the other", "Bank of America credit cards as well or most of them so it's actually a pretty cool thing now", "next tier is platinum such a cliched name a platinum but anyway once you hit $50,000 in your", "deposits you get to platinum and you then get a 50% bonus and that takes the cashback you would", "earn from this card up to 2.25% so we're now better than the Citi Double Cash we're better", "than the Apple credit card etc all those 2% cashback cards we're already looking back at", "them in the rearview mirror but that's not it because there is another level which is called", "platinum honors I love how they just take like platinum from the Amex platinum and honors from", "Hilton honors and they put them together right platinum honors I mean I guess there's only so", "many words right there's only so many words right there's only so many words right there's only so", "many precious metals or prestigious sounding words anyway rant over so to get to platinum", "honors you have to have a hundred thousand dollars in investments obviously it's gonna be less people", "who qualify for this one but you know those who are a little bit later on in life realistically", "will have that much money in their retirement accounts because that's the whole point you're", "saving for retirement right so $100,000 and that gets you an extra 75% in credit card rewards and", "that's what takes you up to 2.6 25% in cash back on this credit card so the Bank of America unlimited", "card it's a reasonable offering under normal circumstances okay it matches the Freedom", "Unlimited the Capital One Quicksilver Etc but where it really comes into its own as you've seen is if", "you are in the preferred rewards program okay and if you're in the top tier obviously you're getting", "that 2.625 that even goes beyond the Alliant Credit Union signature Visa which was what we", "normally point out as being the best unlimited cash back card actually it's not unlimited anymore", "they've changed it so that's going downhill but anyway that's the thing I'm going to show you in the next video", "that earns 2.5 cash back on everything so we've gone beyond that I would say this is the best", "option if you have some reasonable amount of deposits you know over you know perhaps the", "gold tier it doesn't make that much of a difference but once you get to the Platinum tier you're over", "two percent and then Platinum honors you're at 2.625 I mean that's an awesome level of cashback", "to be able to earn with no limits and guys if you like cash back and you'd like to earn more of it", "which why wouldn't you why not check out the shopping website Rakuten it's an online shopping", "site where you can earn up to 10 sometimes even 15 cash back on what you are already earning on", "your credit card just through clicking through their site to your favorite retailers and guys", "right now you can earn a welcome bonus of 30 cash in your account just through taking the two extra", "steps of signing up for Rakuten and then clicking through their site to the website that you were", "gonna go to anyway and buying something that costs thirty dollars all right basically they", "get a commission for referring customers to stores like Walmart Macy's", "etc and they share some of that commission with you all right so link for that deal is", "below check it out it's an awesome deal as always guys please subscribe to the channel", "for more credit card tips and tricks almost every day and we'll see you next time bye bye" ]

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[ "पे पेटियम या इस तरह के तमाम जो ऑनलाइन सर्विसेस होती है जो पैसे का लेंदन करती है अगर आप यूज करते हैं इस", "तरह इस्तेमाल करते हैं किसी भी आपको तो आप इस वीडियो को जरूर देखेगा क्योंकि हम इस वीडियो में अपना", "एक्सपीरियंस जो हमारे साथ हुआ वह आप लोगों के साथ सेयर करेंगे कल क्या हुआ था हमारे पास से एक कॉल आया था", "लुट आ दिया फ्रॉम फिल्म और आटमिक से ग्लैस के बारे में है और चलो दें", "लेकिन वह में को स्पेस मोड़ नहीं था क्यों ही कि यह बताया था कि ख害ेगा कि स्थर्न मैं या sns", "जो भी होता है, यह आपको call", "नहीं करती है, ठीक है, उनके पास", "एक option होता है, online services है", "तो जायँदी सी बात है, वो online ही बताएंगे, mail करके", "बताएंगे, notification भेजके बताएंगे, तो आपको", "call नहीं कह जाता है, आप इतना पे भी", "समझ सकते हैं कि यह fraud call हो सकता है", "लेकिन हमारे पास दो अर्मला हँआ �", "जब जानो", "तो एट बउके", "ज्यादा सेर कीजिए क्योंकि यह सेर करने से बहुत लोगों तक यह वीडियो पहुंचेगा और उससे यह क्या होगा यह वीडियो", "देखकर वह हो सकता है जागरुख हो जाए जानकारी मिल जाए और वह यह जो गिरो हो दाना पैसा ठगने वाला इससे वह बच", "आए हमसे जो पैसा ठगा जा रहा था वह चार जार नौ सिर्फ रुपया था और हम तो बच गए फिलाल लेकिन इस वीडियो", "को सेर कीजिए ताकि आपके फ्रेंड्स फैमिली जो भी लोग है वह लोग भी बच सके आपको पूरा कॉल रिकॉर्डिंग सुनाएंगे", "हुआ स्थिनियर बात कि युजट ह바से बचना है वह क्या-क्या बोलते हैं कितने बोलते हैं आप तिस रस बचना है ठीक notification", "सुना आकर उसके बाद फिर से मिलेंगे और बहुत जानकारी है जो आपको देंगे फ्रेंड्स फाफड महाना के साथ डिपॉइंट", "अब चलाते हैं ना आजी बोलिया आपको तो उसमें कैसे नहीं लगाए था जाना पर प्रशिक्षित नहीं किया तो फोन पे", "में क्या बोल रहा है आपको जो कैसे नहीं लगा था चार आजार नौकने अंवर पर रिसीव नहीं किया तो अच्छा चाहिए क्या", "नहीं होगा अबिताब रिसीव कुछ फेलो पॉइंट करके अंचा फोन पर ओपन करना होगा जी वेट ओपन करता है रुकिया", "हो हां जी ओपन कर लिए को", "हेलो हेलो हां जी आपको लिए बोलिए ओपन करें बाद ऊपर में देखिए तो राइट साइड कौन", "में तो आपको बैल आइकन घंटी कर दें लिए अपने क्या चाहिए आइकन बैल आइकन जो घंटी होता ना घंटी है", "बोलिए आप गंधी पर क्लिक करता है तो आपका अपने देखिए तो आपको पर भी क्या रखते हो कर रहे हैं तो वेट वेट वेट वेट रुकिये", "कर दो", "अज्ञाद भी मिलिए", "है सर वहां पर नोटिफिकेशन में जैसे आप चेक करूंगा तो आपका टीस और कुछ हो कर है वहां पर आप बताइए", "सर भेजा है ना तो क्या लिखा होगा बताइए तीन साथ ही ओर दिफिकेशन आप बताइए कौन साया है", "तो वहां पर जैसे कि सर वहां पर आपका लिखा होगा क्या लिखा होगा सिर वहां पर पर डायर से चार जार नोटिफिकेशन नहीं है सर", "आपको दिया जाएगा ठीक है इसको लाइन पर बने रखें करके बता देखो सर कुछ चर्बर थोड़ा प्रॉब्लम चला जिसके", "बजे से साथ आपको नहीं है बटिक है अच्छा यह बिल्कुल लेकिन अभी आपको मिल जायेगा सर अ", "कि कांटेट बोल रहा है", "यह बिल्कुल यह दिल्ली नोयडा सेटिस सेक्टर बात की जा रहे आप चेक कीजिए आपको इंडिया नेशनल इंचार्ज", "के माध्यम साफ को जस्ट आपको मिल गया होगा चेक कीजिए वह पर मिला आपको आज हां जी आज ही आपका आपका सुबह नाम क्या", "है शर्म रावर बर्मा बात कर रहा हूं और आपका आईडी नंबर क्या हुआ था तो देखिए पुरा डिटेल पता जाएगा पहले प्रोसेस", "पहले पर देखिए था हम आपका बात को फॉलो कर रहा है ठीक है हम कस्टमर हुए आपके तो जायर सी बात है हमारा भी सवाल", "है अच्छा तो क्लिक और हम सेंड कर दें हां विलल कुल तरीक्ट हमको मिले दाकि आपको मिलेगा यह सर आपको", "मिलेगा उनको मिलेगा तो पर ना पर करने का मतलब तो हम पर आपको चलें कर जाएगा फिर और महत्वप्रेशन को जत्व", "नियुक्त आपको कोल को पैसे यह небольшold सोनद स Following में खंबाया, F musicians", "भेज सकता है चार हजार नौ सिन्नामेज रूपए का गिफ्ट बढ़ाया जा रहा था जो हम रिसीव नहीं किया है वह उनका गहना", "पेमेंट में डाइट लिखावा था रिक्वेस्टेड टू जैसा कि आप स्किन्स रोड में देख रहे थे और पेगरना था तो आप", "इतना दिमाग लगा सकते हैं कि पेगरना पे का मतलब देना होता हम उनको पेगर देंगे तो मेरे अकाउंट से उनके पास", "आएगा और आपको बता दे फोन पर आपको कभी कॉल नहीं करेगा आपका बैंक आपको कभी कोलने करेगा यह कॉल फल", "पैकतर उप्साइड था यह कॉल किसी इंसान के तरफ लैक्टर समझ सकते हैं जो समझ लेंगे जो ऑनलाइन क्राइम कर रहा", "से का Judgeने का इस तरह का आप कंप्लेंट करेंगे क्योंकि व हॉर रिप्लेस टिवाल कौन क्वेश्च किया हुआ था और काम पे नहीं", "लगते हैं और रक तो कोई को सिस्टमैटिक या किसी तरह से का कोडिंग आपका कोई डिटेल से लेकर है तो", "नहीं कर रहा है दहीं पड़े सेंघे प्रयंतू वह किसी दो पीवे जनकारी ख़ूब में यह आपको अलर्ट है और यह वीडियो", "दबाग सेर कीजिए ताकि बहुत लोगों पास यह वीडियो पहुंच जाए और जो लोग जनकारी नहीं है जिनके पास यह इस तरह का", "कि कॉलिस्टर का आता है क्या करना चाहिए क्या नहीं तो यह वीडियो वहां तक पहुंचा दीजिए वीडियो कैसा लगा", "है झाल" ]

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[ "तो आप इसे किस तरीके से फिक्स कर सकते हो और कैसे अपना ट्रांजेक्शन कंप्लीट कर सकते हो यह सब मैं आपको", "वीडियो में समझाने जा रहा हूं यह प्रॉब्लम एक्चुअली में क्यों आता है यह जानना आपके लिए काफी ज्यादा इंपोर्टेंट", "है और क्या आपका फोन पर डीएक्टिवेट हो गया है फोन पर है हो गया है या फिर आपका बैंक अकाउंट में कोई प्रॉब्लम", "है यह सब आपको इस वीडियो में समझ में आ जाएगा तो या वीडियो को पूरा ध्यान से देखना तो कि देखो अगर इस तरीके", "का कोड फेस करता है आप चौक यामूस कदम रेक्शन कर लें तू भी आप उसका ट्रैजिक्शन नहीं कर सकते क्योंकि इस", "तरीके का यह आपको फॉन पेपर सभी अकांड में देखने को मिल सकता है तो कि आपका बैंक अकाउंट में कोई प्रॉब्लम", "गया है या फिर कोई फोन पर एकाउंट पर प्रॉब्लम आ गया है यह प्रॉब्लम क्या है यह जानने के लिए आपको पूरा वीडियो", "ध्यान से देखना और जो मैं आपको बता रहा हूं ना उस चीज को समझने की कोशिश करो क्योंकि अदरवाइज अगर आप यह", "नहीं समझथ� तो बार-बार प्रॉब्लम आएगी और बार-बार आप इस प्रॉब्लम को फीश करोगे तो अगर आप यह चाहते", "कि यह प्रॉब्लम बार-बार आपको फेस ना करना पड़े तो मैं आपको बता रहा हूं कि आपको बताता है उनला", "आपटुप है और", "सबसे पहले", "काम पर एक ऑप्शन आपको देखने को मिलता है अगर आप च्रदा करते हो तो क्लिक करने के बाद", "यहां पर एक ऑप्शन आपको देखने को मिलेगा प्रावेसी एंड पॉलिसी जिया दोस्तव प्रावेसी एंड पॉलिसी", "इसी पर अगर आप लिखते हो तो आप फोन पर कि प्रावेशन पॉलिसी को अपने डिफोल्ट लैंग्वेज में पढ़ सकते हो इसका", "मैं आपको ब्रिफली बता देता हूं कि इनकी प्रावेशन पॉलिसी यह कहती है कि अगर अगर सामने वाले आज वापस में", "पैसा भेज रहे हो अगर उसके खिलाफ काफी ज्यादा रिपोर्ट हो चुका है तो या फिर उनका नंबर आपके वॉलेट में", "सेव नहीं आपके मोबाइल में सेव नहीं है तो भी आप उसे जब टाइम करोगे तो इस तरह का नोटिफिकेशन फोन पर", "पे दे सकता है कि माइट आप जिसे बहेज रहा हूं उसका कॉन्टैक्टीय नंबर आपके मोबाइल नंबर में सेव नहीं है", "या फिर यह जो आप जो से कीसे पैसा भेज रहे हो वह से पंचों बंदा नहीं हुआ प्रोटेक्ट नहीं है आ उस के", "लोगे रिपोर्ट वगैरह हो चुका है तो ऐसे में वगैरह वह सामने वाला बंदा हो सकता है इसी तरह इसी लिए इस", "तरीके का नोटिफिकेशन फोन पर आपको देता है क्योंकि पॉइंट के पास यह ऑफ पॉलिसी है फिल्म पर कि यह फॉलिसी", "प्रश्न प्रश्न" ]

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[ "UPI पिन का इस्तेमाल पैसा भेजने और अपने बैंक एकाउंट का बैलेंस चेक करने के लिए किया जाता है, बाकी कामों के लिए UPI पिन का इस्तेमाल नहीं होता है, तो आप हमेशा ध्यान में रखिये, कि जब आप पैसा रिसीब कर रहे हैं, तो आपको UPI पिन डालने की को�", "कोई जरूरत नहीं है, अगर आप पैसा रिसीब करने के लिए कोई बोल रहा है कि UPI पिन एंडर कीजिए, तो वो साइद आपके साथ फ्रॉड कर रहा है, तो इन सब चीजों से बचिये, अगर आप सिर्फ यही एक काम कर लेंगे, तो आप UPI फ्रॉड से काफी हद तक सुर", "प्राइपीजी" ]

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[ "I got involved with a church that was slightly, like I would say, apostolic light.", "Very similar to a lot of the stuff that you're seeing right now.", "None of the faith healing or anything like that, but no speaking in tongues,", "but a lot of the similar things of demanding a lot of your time, wanting all of your money,", "telling you that if you give them more money, God will bless you more,", "more constantly asking for money to the extent that one of the last times we went to the church,", "the pastor told us if we gave more than 10%, God would for sure give us more grace in heaven.", "And that was kind of like the end for us.", "But the church was very inclusive, and it was very cult-like.", "So we were involved in that heavily for three years, and when I came out of that,", "I felt like, oh my God, how did I get involved in something like this?", "So it was a church that was in the kind of an offshoot of the assembly,", "which is what we're talking about today.", "So I do have experience in this sort of genre because my old church was like this,", "though not as extreme.", "So some of these churches take things to very deep extremes.", "I'd say the most famous of this world is Jim Jones.", "So that's the other thing that has compelled me to be about this.", "But true story, I was born the same week that Jim Jones murdered almost 1,000.", "So when I was born, the People's Temple mass murder happened the same week.", "And my entire life, my mom had a baby's book, like a baby book that had all of my milestones.", "And so growing up, the clippings from the newspaper were all about this mass murder.", "And I think that also kind of resonated with me.", "I was like, whoa.", "Every time I went into my baby book, I saw discussions about Jim Jones.", "So it's definitely been something that's been important.", "And then my ex-boyfriend was in the Jehovah's Witnesses, and I got involved in an apostolic group.", "So..." ]

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[ "Maybe you have a leaky roof or maybe", "you just got hit with a hefty medical bill.", "Whatever it is, it's those unexpected", "expenses that well, we're not always", "prepared to pay for, but yet we have to.", "The options are endless and it's", "whatever you need the money for and", "what would make sense to borrow for", "when it comes to getting a personal loan.", "It's not just banks lending money.", "Personal loans are borrowed from banks,", "credit unions or online lenders.", "According to Consumer Advocate,", "the top lending companies for 2018", "include Lending Tree, SoFi and Upgrade.", "Allison Norris, a certified financial", "planner with SoFi says you can borrow", "up to $50,000 with some companies,", "but you do have a shorter period", "of time to pay them off.", "They're paid off in periods", "ranging from two to seven years.", "Typically, when you're slapped with an", "unexpected expense like a leaky roof,", "you reach for the credit card.", "But Norris says personal loans have a lower", "interest rate than most credit cards.", "It could be a difference between", "the average credit card,", "APR of 16% to a personal loan,", "which you can start as well with 6%.", "What's different about a personal", "loan is that there is no collateral", "unlike a home loan or car loan.", "If you were to stop making car payments,", "it's possible that your car", "could get repossessed.", "With a personal loan,", "it's only backed by your guarantee,", "but that means if you can't pay on time,", "your credit score will take a big hit.", "Remember, don't take on more", "debt than what's necessary.", "You should only strive to borrow what", "you can afford to pay back over time.", "And also what you truly need.", "For the now, I'm Annie Taylor." ]

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[ "Yn aml, rydym yn cael ein gofyn sut maen nhw'n gallu cael gweld gwirionedd o gwlion gwlion.", "Felly, mae hwn yn barwch gwlion gwlion o 1 ond, sy'n eithaf cyffredinol ar hyn o bryd.", "Mae ganddo fawr o £1,300.", "Ac mae hwn yn ein bwstiau diogelu mwyaf, sy'n £130 am flwyddyn.", "Mae'n gweithio'n gyflym i £2.50 ar wythnos.", "Fel y gallwch weld yn yma, mae gennym lawer o agos.", "Mae yna tua 26 barwch gwlion yn yma.", "Ac fel y gwelwch, mae'n cael eu cymryd yn dda ar gyd.", "Ac mae llawer o ffynion yn yma ar gyfer gwaith eraill hefyd.", "Felly, ie, mae gennym ambell i'r cyfrif o £30,000 yn yma.", "Felly gallwch storio llawer o ffynion yn eich bwstiau diogelu.", "Ond ie, os oes gennych unrhyw gwestiynau, cysylltwch â ni ar 02476 666633.", "Iawn?" ]

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[ "a UK based company that offers education loans to students across the countries twisted in the", "top institutions in the world and good thing about them is that they can offer you loan", "without collateral and without co-applicant you are hearing me right you can get a loan", "without collateral without co-applicant purely based on your profile how they are able to do it", "and other parameters so they do it because their process they have defined the process in such a", "way that while they evaluate the application they evaluate whether the student will be able to repay", "the loan or not by himself or herself and therefore they don't care about if whether you have a", "property to back your loan or whether you have the co-applicant or not how much is the interest rate", "so the interest rate", "I won't say an interest rate there is a different term that they use that is called annual percentage", "rate now this rate varies from 6.7 percent to 11 percent let's first understand what exactly is", "this term and how is it different from the interest rate we hear generally when we talk", "about education loan we talk about interest rate we talk about processing fee separately but what", "happens in prodigy finance that the annual percentage rate that they mention it includes", "all the expenses that an student needs to bear for that particular education room that means", "even the processing fee is included in the annual percentage rate and is distributed among the", "months and the final number that comes out is the annual percentage rate that you need to pay to", "them on your education also these loans are in USD or in euro or in any other currency depending on", "which country you are going to studying this are not I in our laws that means you", "won't get the money in INR so this annual percentage rate is not directly comparable", "to the Indian lenders offering loans in I and I so that is something that you should keep in mind", "but apart from that the process is completely online that means you don't need to go anywhere", "you don't need to submit any physical documents to get the load done how would you know whether", "you are eligible for a prodigy finance education loan or not there is a list of colleges and", "courses are available here for you to get there to get the loan then of course we will talk about", "for which they offer this without collateral without co-applicant loan.", "Now to check if you are eligible for an education loan with Prodigy Finance what you can do", "is simply get in touch with Gyandhan team by checking the loan eligibility on our website.", "Once you get in touch with us we ask you that okay which college you are going to which", "course you are going to and we let you know that okay which is the best lender you can", "get loan from including Prodigy Finance.", "Let's say if you don't have a property and if you don't have a co-applicant in that case", "we evaluate your profile to check if you are eligible for a loan from the Prodigy Finance", "or not.", "If you are eligible then we make an account on your behalf on their website and share", "the credentials with you ask you to complete the entire application.", "Once the entire application is filled within few days you get the decision whether the", "loan is approved or not.", "In the entire process while filling up the form if you face any problem or let's say", "if you are facing problem around what to upload what not to upload so the Gyandhan education", "loan counselor will be there to help you.", "Once approved then we also help you in the disbursement process we help you in the further", "contract signature and everything.", "So if you are looking for an education loan that too without collateral without co-applicant", "check with Gyandhan and we will let you know if you are eligible for that or not.", "Thanks a lot." ]

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[ "This is one of the most popular entry-level or middle-tier travel credit cards out there.", "I personally have this card and we'll cover the main things you need to know about it. We do have", "a full review though on our website, so if you want to dig in further, check out that full review.", "If you're watching on YouTube, I will link that below the video screen in the video description.", "Let's start by discussing the rewards for this card. It earns five points per dollar spent", "on travel purchased through the Chase Ultimate Rewards Portal, which is a system that's a bit", "like Expedia or Kayak where you can book airline tickets, hotels, car rentals, etc.", "Also, the card earns three points per dollar spent on dining purchases, which includes takeout,", "dining out, and certain eligible delivery services. Previously, you would earn two points", "per dollar spent in this category, but now you earn more, which is great. On top of that, you", "now earn three points per dollar spent on select streaming services, which according to Chase", "website would include things like Disney+, Hulu, Netflix, Apple Music, Spotify, and more.", "Also, you earn three points per dollar spent on online grocery purchases,", "only that does specifically exclude Target, Walmart, and wholesale clubs like Costco.", "So overall, I'm not sure how relevant this is, but it's nice that we have just another category", "where you're earning three points per dollar spent, but online grocery purchases, I just don't", "know how relevant this is. So I'm going to go ahead and get started. Let's get started.", "Let's see how big that category is for a lot of people just yet. Now, also the card earns two", "points per dollar spent on travel purchases, which is a pretty broadly defined category.", "And then lastly, you earn one point per dollar spent on other purchases. So overall, I think", "the rewards are pretty good and the card is certainly interesting, but you know, on the", "downside, it does have an annual fee, which you can see here on the screen. That said, there are", "some added benefits and perks that I think could help to justify that annual fee. For instance,", "for new cardholders who qualify, there usually is the opportunity to earn a really sizable sign-up", "bonus. You can learn more about that in our full review. I won't mention the exact sign-up bonus now,", "or at least the exact sign-up bonus when I'm filming this video, because it could change,", "but you can learn a lot more in our full review. Also, there is now an annual credit and an", "anniversary point bonus, both of which you can see here on the screen. And I think if you just", "look at those three items, the possible sign-up bonus, the annual credit, and the anniversary", "point bonus, you can see that the card is now worth $1,000. So that's a pretty good amount of money.", "mentioned yet is that this is a rewards credit card, meaning it doesn't directly earn cash back.", "It actually earns Chase Ultima Rewards Points, which I see as a good thing because these points", "are some of the most flexible and desirable of any point system out there. So I think overall,", "the entire ecosystem, the Chase Ultima Rewards Points system is a positive thing. And I say that", "for a few reasons. You actually have a number of different redemption points that you can get.", "Some of them yield a value of one cent per point, if not more. So a few of the main redemption", "options are you can apply your points as a statement credit, you can get a direct deposit,", "you can get gift cards, and you can book travel. In fact, for travel, there are two different", "options you can go with. You can book travel through the Chase Ultima Rewards Portal. And if", "you do that, your points take on a 25% boost. And the other option is to transfer your points", "to outside loyalty programs from companies that Chase is partnering with. So if you're", "a major airline or hotel group, this can be one of the best ways to maximize the value of your", "points. But it does take more effort and time in terms of the research that you have to put in to", "try and maximize the value of your points. So if you want to go the easier route to book travel,", "it's probably to just book through the Chase Ultima Rewards Portal. And that's not a bad", "way to go because your points take on a 25% boost. Now, the last thing that I want to briefly touch", "on are the ancillary perks. The card comes with a 25% boost. So if you're a major airline or hotel group,", "you can book travel through the Chase Ultima Rewards Portal. And if you're a major airline or hotel group,", "You can see those in our full review. The one thing I would point out in particular is that", "card does not charge any foreign transaction fees. That means you can use the card normally,", "just like you would inside the U.S., actually outside of the U.S., and you avoid a 3% foreign", "transaction fee. But that's about it for the video. I would say overall, if you're looking", "for a good starter travel credit card or more of a mid-range travel credit card,", "This is a great card to consider. It has to be in the hunt, but we do have a full guide about", "the best travel credit cards on our website, and you should look that over as well.", "Thanks for watching. Have a great day.", "you" ]

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[ "Invest in assets, not liabilities.", "What is the worst financial advice you've ever received?", "The way to build wealth is saving your money.", "So true.", "What is something you used to value that you don't anymore?", "Material things.", "What is something that you think people think is important when it comes to money,", "but you realize that's not really the right focus?", "Net worth is a crap indicator of real success." ]

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[ "website. So I clicked on it and saw these beautiful dresses. The dress online was a", "mustard colored dress with a flower print on it. This is what I received. It was not anything close", "to what I ordered. What I received was maybe material that was put together to look like a", "shirt. I can't even bring myself to use it as a cleaning cloth. The lowest of quality. It just", "was nothing close to what was the picture that I had clicked on and ordered. The reviews were bad", "and sadly I did not read the reviews before I ordered my dresses. I spent probably about $60.", "They said that they would refund my purchase. They never refunded my purchase. Lesson learned is", "read reviews. Only shop at reputable sites." ]

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[ "for 22 years of doing this, is probably the worst place that you can put your estate plan.", "And I know it depends from jurisdiction to jurisdiction, but where we practice,", "it's extremely difficult to get into safe deposit boxes at banks. So my advice to my clients is get", "a small little safe where your estate planning documents will fit into it. Go down to Sam's or", "Walmart or wherever it is and get a fire safe safe and put your estate planning documents in", "there and then let your family know where they are." ]

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[ "you can manage to spend just $4,000 within the first three months of card ownership.", "And with Chase Sapphire Preferred points being worth 1.25 cents per point,", "this sign up bonus is worth $1,000 when redeemed through Chase Ultimate Rewards.", "There is also the ability to transfer the points to 11 different airline partners and", "three different hotel partners at a one-to-one value.", "Now best of all, this card is not expensive at all as its annual fee is just $95.", "This is a bargain considering the value of the new sign up bonus,", "the benefits and points earning potential that are on offer.", "So let's take a closer look at everything that is included with the", "Chase Sapphire Preferred card to see if it's a good fit for you.", "And with that being said, let's jump straight into it.", "So who is this card good for?", "The Chase Sapphire Preferred card is a good credit card for people who frequently travel and dine out,", "as well as for those who want flexible redemption options.", "It's also a great card for international travel as it doesn't charge foreign transaction fees.", "So let's take a look at all of the benefits and perks that come with the Chase Sapphire", "Preferred card. Each year you will be provided with a $50 statement credit", "that comes with the Chase Sapphire Preferred card.", "And this effectively brings the annual fee down to just $45.", "Then each account anniversary year, Chase will give you back bonus points equal to 10%", "of your total purchases made during the previous year.", "So if you spend a fair amount on the card each year,", "it is possible to boost your points earning potential quite substantially.", "Now in terms of partner benefits, there are a few options on offer.", "The first is a complimentary six month Instacart Plus membership that provides", "you with $15 in statement credits each quarter.", "And with a 12 month membership,", "costing $99 a year, the six month membership is worth $50.", "Then when you add in the $30 in statement credits that you will receive over the first six months,", "just this benefit alone is worth $80.", "Then there is a complimentary 12 month DashPass subscription that is worth $96 a year.", "This provides you with lower service fees and free delivery on orders that are $12 or more.", "Then it is possible to receive a $10 monthly statement credit from GoPath.", "Here you can order a whole range of different products such as drinks,", "snacks or other household items. And this benefit is worth $120 a year.", "So just the benefits that I've listed so far are worth $346,", "which covers the cost of the annual fee by more than three times over.", "Now as I mentioned at the start of this video,", "it is possible to transfer points to 11 different airline partners and three different hotel", "partners. This can provide you with fantastic value if you put in the time and effort to find", "a good deal with one of the travel partners. So besides the fact that you can receive a 10%", "points earning bonus from Chase each anniversary year, there's also the ability to earn a", "reasonable amount of points from quite a wide variety of different categories. Initially you", "will be able to earn five times points for any travel related purchases that are made through", "Chase Ultimate Rewards. And when you travel via Lyft you will also receive five times points.", "Then when dining at a restaurant or ordering takeaway it is possible to earn three times", "points. Along with this you will also receive three times points for purchases made at select", "streaming services and for online grocery purchases. Any travel that is purchased from", "outside of Chase Ultimate Rewards will earn you two times points. Then all other purchases that", "are made on the card will earn you one point per dollar spent. Now even though the Chase Sapphire", "Preferred card is only $95 a year, it's still a great deal to purchase. So if you're looking for", "a travel-friendly travel card, then you can get the Chase Sapphire Preferred card at the", "link in the description below. The Chase Sapphire Preferred card is a great deal to purchase.", "$20,000 per trip. This can be used towards any prepaid non-refundable travel expenses.", "Then similar to this is trip delay reimbursement. This provides you and your family with up to $500", "per ticket if your travel is delayed for more than 12 hours. There is also an auto rental collision", "damage waiver that provides you with primary coverage to help cover the costs of any theft", "or damage that is made to a rental car. With baggage delay insurance it is possible to receive", "up to $100 a day for up to five days if your luggage is delayed for more than six hours by", "a passenger carrier. Then with purchase protection, new purchases that are made to the card are covered", "for up to 120 days against damage or theft. This provides the ability to receive up to $500 per", "claim and a total of $50,000 per account. And finally there is extended warranty protection.", "This provides you with one additional year of coverage on your", "US manufacturer's warranties that are three years or less.", "So to finish off this review I'll just go over what the current APR rates are for this card and", "what fees you can expect to be charged if you happen to do a balance transfer or get a cash", "advance. Currently the APR for purchases and balance transfers is between 20.74%", "and 27.74% and with the balance transfer there will be a fee of either $5 or 5% of the amount", "of each transfer. If you get a cash advance, which I don't recommend, the APR will be 29.74%", "and there will also be a fee of either $10 or $5.", "So that pretty much covers everything there is to know about the Chase Sapphire Preferred card.", "And as you can see it is a fantastic card that currently has a large sign up bonus of 80,000", "points which is worth $1,000 when used for travel through Chase Ultimate Rewards. Now if you transfer", "the points to one of the many travel partners it is possible to receive even more value than this,", "although it might take a bit of work to find the best deal.", "Now if you found this video helpful don't forget to hit the like button so more people get the", "chance to see this video. And if you'd like to see how the Chase Sapphire Preferred card stacks up", "against the more exclusive Chase Sapphire Reserve card check out my full in-depth review and comparison here." ]

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[ "Card. This is one of the most popular balance transfer credit cards out there. If you aren't", "familiar with what a balance transfer credit card is, we've done a full guide on our website. I will", "link that down below in the description. We talk about the ins and the outs of balance transfer", "credit cards, who they're right for, who they're wrong for. So if you have any questions whatsoever,", "check out all the links down below in the description. The short story though, when it", "comes to balance transfer credit cards, is they are designed to help you pay down your credit card", "debt faster. So let's say you have two or three different cards, all of which you carry a balance", "on. You can transfer that theoretically, the balance there, to your new balance transfer credit", "card, buy yourself some breathing room, and massively pay down your debt. So if that sounds", "like something that's relevant to your life, obviously keep watching the video because we'll", "talk about the main pros and the cons of the Citi Diamond Preferred Card. And at the end, we'll have", "a final verdict for you. So hopefully you've had a good time. If you've enjoyed this video,", "find the video helpful and insightful. If that's the case, we would really appreciate a thumbs up,", "and you can always subscribe to our channel. Now we did do a full review of this card. I will link", "that down below in the description. I will try to cover everything that you need to know about this", "card, but inevitably there will be a few items that I overlook. So just so you know, there are", "helpful links down below in the description. And when it comes to credit cards, things do change", "frequently. And I obviously cannot come back and quickly update this video. So if you're", "wondering if everything is still relevant, check the links down below in the description.", "All right, so now let's cover the main pros for the Citi Diamond Preferred Card, and then we'll", "go over the downsides here in a minute. Now, the biggest reason to get the Citi Diamond Preferred", "Card is the intro period. Relative to a lot of other cards out there, it has a longer intro", "period for new purchases and for balance transfers. So the way it works is that for the first 18", "months that you have the card from account opening, any qualifying balance transfers and new purchases,", "you pay 0% interest on those for the first 18 months. Now, after that 18-month period expires,", "the normal APR, it actually flips to that, and it is 14.74% to 24.74% in its variable. So keep that", "in mind. Now, obviously those are pretty high interest rates, right? We all know that carrying", "a balance month to month on your credit card is one of the most expensive ways to borrow money.", "So if you use the card responsibly, I think that intro period can be a huge advantage and a great", "way to pay down your debt. So if you're looking for a card that's more expensive, I think that's", "if you use it irresponsibly, then you could probably get yourself into more trouble. So you", "want to make sure that if you get the card, you are really laser focused on paying down your debt.", "And how it works is let's say you have $10,000 in debt across a couple of different cards,", "and you have a credit limit on this card that's maybe $10,000, and you transfer that balance", "across. For those first 18 months, you're not going to pay any interest. So you're kind of", "buying yourself breathing room to pay down that debt, which you should do. If you're transferring", "throw as much money as you possibly can at your balance, because after those 18 months expire,", "after 18 months from account opening, you're going to be paying 14.74% to 24.74% and it's variable.", "So that's something you have to be very smart with these credit cards. But I think it's an", "attractive quality to the city diamond preferred card because a lot of other credit cards offer", "maybe 12 month intro periods, maybe 15 month intro periods, 18 months is on the higher end for all the", "cards out there.", "Now, beyond the intro period, the card is kind of barren when it comes to other perks.", "For instance, it doesn't have an annual fee as a $0 annual fee. I like that. It's a master card. So", "I obviously like that as well because it's accepted most places that credit cards are,", "and it does offer a free credit monitoring service. So you can take a look at your FICO", "score, but beyond those things, it doesn't really have a whole lot of ancillary perks. I mean,", "most people are not going to get this card for the additional perks, but there are other cards out", "there that, uh,", "offer more in addition to an intro period. So that's kind of it in terms of the main pros for", "the city diamond preferred card. Now let's cover some of the cons because there are some reasons", "that you might not like the card. The first thing is that there is a balance transfer fee.", "So you're transferring money across to this card. There's a fee that you would incur in the process.", "This is kind of par for the course. Most balance transfer cards will have a balance transfer fee", "associated in the process of transferring a balance with this particular card. It is 3%", "of the amount that you're transferring. So you're going to have to pay a fee to transfer a balance.", "I'll say $300 for the transfer fee. Plus a fee to transfer a balance that you would incur in the", "process. So if you transfer a balance for $300, that's the bare minimum. Uh, whichever is higher.", "So most of the time it's going to be 3%. So you transfer maybe $10,000. You're going to pay a", "$300 fee in the process. That'll get tacked onto the balance that you transfer across. So keep that", "in mind. There are some cards that do not charge a balance transfer fee. I can link some of those", "down below in the description. They're not home runs either though, because typically they will", "have maybe a shorter intro period or some other downside. So all of this is, um, it's on eBay.", "you to really, to really weigh what's most important to you, whether you want a longer", "intro period or no balance transfer fees. So you kind of have to look at some of that stuff,", "but I will link those down below in the description for you as well. Just keep in mind,", "there will be a balance transfer fee. It's actually more modest than it used to be. I", "think in the past it was something like 5%. So obviously 3% is better there. And a lot of cards", "have a 3% fee. Now, in addition to that, the card does not offer rewards. So let's say you go to buy", "a coffee or furniture or whatever you're going to buy. You're not actually getting cash back", "or rewards or points or miles in the process. And there are other cards that offer an intro", "offer for balance transfers and purchases and still offer rewards. I can try to link some of", "those down below in the description. The one that comes to mind though, is the city rewards plus", "card that offers an intro offer for balance transfers and purchases and rewards. Granted,", "it does have a shorter intro offer for the balance transfers", "and purchases.", "But I'll link that card for you down below in the description. In my mind, it's not a huge", "downside with this card. I just think it would be nice if it offered rewards and the intro offer.", "Now, the other downside of the card is that it requires pretty good credit to qualify. I would", "say good to excellent credit to qualify at a bare minimum, a 670 FICO score. And maybe that doesn't", "even guarantee that you get qualified for the card. That is very similar to a lot of other", "balance transfer credit cards out there. Typically, they only want to work with people that are", "extremely credit worthy. They're kind of going out on a limb, so it makes sense. But you know, not", "everybody is going to qualify for this card. I wish it had a lower threshold. It doesn't. But just keep", "in mind that you have to have really, really good credit to qualify for the city diamond preferred", "card. So that's about it with this card. You know, I personally have mixed feelings about it. On one", "hand, I think there's some major upsides. I think the intro offer is really nice. And that if you", "use it responsibly and you qualify, it can be a great way to pay down your debt quickly. On the", "other hand, it does have some real downsides. I think it's going to be a really good card. I think it's", "going to be a really good card. I think it's going to be a really good card. So we'll put them up here", "on the screen. These are just a quick recap of our main pros and cons for the card. I would say if", "you have really good credit, but you just have somehow amassed a lot of credit card debt, then", "it's probably worth looking into. I think it could be a very advantageous instrument for getting out", "of credit card debt. If that's not you, then you may want to look into some of the other credit", "cards that we have on our website. Again, creditcards.com. And I'll link a bunch of helpful", "resources for you down below in the description. You may even want to try out our card match tool.", "I usually say that that's worth trying at least once to see if you have any pre-qualified or any", "special offers. I'll put that in the description as well. Have a great day." ]

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[ "Are you gonna pay me back?", "Of course.", "Uh, I'm a little short on cash. Can I borrow 10 bucks?", "Dude, you haven't even paid me the $20 back yet.", "I'm totally going to, I promise.", "Okay, but you'll owe me 50.", "50? I'm only borrowing a total of 35 bucks.", "Yep, it's called interest.", "Like a credit card?", "When you pay back the money immediately, they don't charge you any extra.", "But when I take a long time, they charge interest.", "Interest. That's why you never borrow if you don't have the money to pay the cash back right away." ]

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

[ "देखें दोस्तों अगर आप इस वीडियो को पूरा देख लेते हैं तो 100% इस प्रोब्लम को आप सही कर सकते हैं तो चलिए आज की इस वीडियो में मैं आपको बताने वाला हूँ कि अगर आपको किसी भी परकार का दिकत या परेशानी आ रही है गूगल पे से पैसा भेजने", "के बैंक होगा बैंक यहां पर आपको देखने को मिलेगा आप अपना बैंक यहां पर सेलेक्ट करेंगे इसके बाद प्लेडी आपक्टर क्लिक करेंगे इसके बाद दोस्तों यहां पर आपका जो भी यूक यूपी आप अपने पर आयुखे अपयूचन डाल लेंगे रू�", "आपको बार-बार मैसेज देखने को मिल रहा होगा मनी वाज नॉट डेविट तो देखिए इसको आप कैसे ठीक करना है यानि", "कि आप इसे कैसे ठीक करेंगे आज किस वीडियो में मैं आपको बताने वाला हूं तो वीडियो को दोस्तों आप ध्यान", "तो पूरा जरूर दिखेगा तभी दोस्तों आप बहुत हियासानी से इस प्रॉब्लम को आप ठीक कर पाएंगे तो यहां पर", "दोस्तों सबसे पहले मैं आपको बता दूं इसको हटा देना होगा अब इसके बाद इसको हटाने के बाद आपको सबसे", "आप अपने फोन के सेटिंग में आ आएंगे फोन के सेटिंग में आने के बाद दोस्तों यहां पर आपको सबसे नीचे", "आना होगा और नीचे आने के बाद APPs वाले ऑप्शन पर आपको करना होगा सबसे पहले CLICK", "अब को वाले ऑप्शन प्रब्क जीसे ही क्लिक करेंगे तो यहां पर आपको ऊपर में एक ऑप्शन देखने को मिल", "जाता है यहां पर आप देख सकते हैं Apple Management आप यहां पर Apple management पर करना होगा क्लिक", "और इसके बाद यहां पर आपको जीपर टाइप करना होगा जीपे टाइप करकर आप सेट करेंगे इसके बाद गूगल पर यहां", "पर आपको देखने कंगी जाएगा डीपे एपस्टोरेज़ न्यूज़ पर आपको करना है के लिए इसके बाद तो तैयार डाटा आपको", "सब्सक्राइब कर लीजिए का अब इसके हा�ucky अपडेट हो जाने बाद आपको किस तरह से यहां पर आपको Meredith को", "ठीक करनी है आज कि इस वीडियो में मैं बताने वाला हूं तो दोल्याज को जब तक आप लाइक कर दीजिए", "लिएगा प्ले स्टोर से Google पर अपडेट हो जाने के बाद आपको सिंपल ओपन वाले ऑप्शन पर आप क्लिक करेंगे अब", "इसके बाद दोस्तों यहां पर आप अपना फोन नंबर डालेंगे जो आपके बैंक सेलिंग है इसके बाद कंटिन्यू पर आपको", "सब्सक्राइब करेंगे इसके बाद आपके रजिस्टर नंबर पर एक सिर्फ डिजिट का ओटीपी भेजा जाएगा ओटीपी एटोमेटिक", "पर कलीक करेंगे इसके बाद यहां पर आप सब करेंगे इसके बाद कल आपको कंडी� anymore कर दूंगे इसके बाद", "यहां पर आपका SIM Card ऑफ ठांड किया जाएगा कि आपके बैंक से आपका SIM Card ट्रिंग है या नहीं आप इसके बाद", "भेजेंगे किसी को भी यानी कि आप किसी को पैसे भेजने में आपको परेशानी आ रही है तो आप इसको कैसे ठीक करना", "है हम आपको बता रहे हैं अब देखिए यहां पर आपका Google पर में बैंक अकाउंट है ढोड़ गया है इसके बाद", "देखने को मिलेगा इसके बाद वाले अप्सेन पर आपको करना हुआ क्लिक इसके बाद आपका जो भी यूपीआ फिर है आप", "अपने इटेक पिंट डाल कि इसके बाद सेंट वाले पर कीट कर देंगे अब इसके बाद दोस्तों आपको बहुत आसानी से", "आई हो फ्रेंड्स आपको वीडियो पसंद नहीं हो वीडियो पसंद नहीं हो तो लाइक करें चैनल पर पहली बार है तो सबस्क्राइब करें हम मिलते हैं किस और इस इन एक्स वीडियो में तब तक के लिए बाइ" ]

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[ "America secured credit card or the Bank AmeriCard. Is it worth getting? Well stay", "tuned we're gonna fill you in on today's Delta Credit Tip.", "Hello and welcome back to today's Delta Credit Tip. I'm Michael Holmes of Delta", "Credit Restoration bringing you yet more information to help you in your credit", "restoration process. Today we're talking about the Bank of America secured credit", "card or as they call it the Bank AmeriCard and gonna give you some of", "our opinions on some of those qualities of that card and is it really a good", "card to help build your credit with. A lot of times we want to borrow or", "rebank it just makes that relationship better and bigger and easier sometimes", "to get so we want to kind of go over those cards. So hopefully this", "information is helpful for you if so give us that thumbs up don't forget", "to subscribe and hit that bell icon so you don't miss any of our next videos.", "Subscribe and hit the bell so that every week as we come up with more information", "to help you with your credit repair process you get this information as we", "provide it it's timely it's on it helps you right away and you can go ahead and", "accomplish your goals. Alright so let's talk about this Bank of America secured", "credit card. Now there are certain characteristics of cards that we like", "okay normally with a bank credit card you think that them having branches", "would be a great idea because you can go in there and pay it but if you ever gone", "to Bank of America just to go and make a deposit like a 30-minute wait so a bank of America secured credit card is a great idea.", "Bank of America get some more tellers hire some people alright we're gonna get", "past that part that's really not a credit card issue but it's just a general", "customer service issue right there's no point in having branches if there's", "nobody there we'll get past that alright let's talk about more about the", "specifics of the card so one of the first things we always look at is of", "course the annual percentage rate now the annual percentage rate on the credit", "card is made up of two components prime and the margin right now prime is 3.25%", "and that kind of varies with the market which you can read in the Wall Street", "Journal it's based on indexes that you can find right but right now that's 3.24", "the margin is 19.74 from Bank of America so when they add those two together", "that's where they get your interest rate from so right now you're looking at 22.99%", "so that's a bit high I know you're basically paying 23% but recognize credit cards are a great option.", "but recognize credit cards are a great option.", "the reason why credit cards are designed to only hold debts for 30 days or less that's why they have the grace period which this card does have the grace period and then afterwards they start charging you interest the grace period is the period during that billing cycle where if you pay it off in that billing cycle you're not charged interest so I charge something on a third of the month the bill comes I pay it in full and I get a 30% interest rate.", "to zero my effective rate is zero because they're not charging me any interest although the stated rate might be the 22.99%", "makes sense all right so interest rate not the best thing in the world going on that line of fees and interest the other characteristic that we like to look at is well how much is this going to cost me every year", "and this particular card has no annual fee that's a great thing right so you don't have to worry about that now they do have other kinds of fees", "so you don't have to worry about that now they do have other kinds of fees", "transfers fees late fees over the limit fees you know you can use the card as an overdraft protection which comes with a fee but there is no annual fee that comes with this card okay which is obviously good another characteristic that we really do like about this card one of the primary things that we look for is the ability to have a nice longevity with this account because remember the average age of your accounts represents 15 years.", "get your money back at some point in time the initial deposit that's required with Bank of America is $300 it goes up to 4900 so you could you have a nice little range there a lot of credit card companies start off at 200 so you know it's it's it's it's still you know relative to to to everybody else so no points lost there last but not least one thing that.", "Bank of America does offer with this card is the FICO score assistance that comes with it so you can go in there check your credit scores and they give you tips and tricks on how to manage that credit card because it's linked to it so that you can better manage that card and and get that score which we find great you know if you're reestablishing or just learning how to build credit having somewhere to coach you is a great thing to have so.", "how do we rate this card?", "well it's it's got some of the good qualities to it you know Bank of America traditionally has a target market that we wouldn't even think would offer a secured card so kudos for them to at least you know reaching out to that that segment of their of their of their customers that need the help in building their credit so we're going to give them a seven because we do like the fact that it does have the conversion factor we do like the fact that there's no annual fee with the card we're just kind of skeptical on.", "how to rate this card?", "you know the interest rate and some of those other qualities but if you bank with Bank of America it does make it super convenient and that adds a couple of points if you bank there because it just makes it easier because you're going to be there anyway you can check it online and manage your accounts better with it that way so hopefully this information helps if so give us that thumbs up don't forget to subscribe and hit the bell so that every week as we come out with more stuff you get it right out of the gate and hopefully this information will help you make a choice make a change.", "Delta.", "you're welcome" ]

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[ "ओडिसा में एक ICICI बैंक का इंप्लोई जो कैशिर की पोस्ट पर था", "और बैंक में जब लोग अपना पैसा जमा करवाने आते", "तो वो सारे पैसे लोगों से ले लेता और कंप्यूटर में एंट्री कर देता", "लेकिन वो उन पैसों को बैंक की ट्रेजरी यानी", "बैंक बना जहां पर अपना पैसा रखती है वहाँ पर जमा नहीं करता", "बलकि वो सारा पैसा अपने साथ घर ले जाता", "जाता ऐसे करके धीरे-धीरे इस इंप्लोई ने 1 करोड़ 85 लाख रुपए अपने घर पर जमा कर लिए और फिर कुछ", "टाइम बाद बैंक से रिजाइन कर दिया लेकिन जब बैंक ने ऑडिट किया तो कैश मिसमैच मिला और फिर इमीडिटली", "बैंक स्टाफ में पुलिस कंप्लेट करवाई और फाइनली पुलिस ने बड़ी मशक्कत के बाद इस प्रोट्सर को अरेस्ट कर लिया", "बाकी इस फ्रोड पर आपके क्या विचार हैं इने कमेंट में बताना" ]

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[ "you know other business associates that I know. I got a startup company that started", "in 2010, it's called Cutting Edge Gamer. Instead of PC gamers going out and buying", "their graphics card, my company actually leases to these gamers. After about", "running a year, it came time for us to really look and go out and get new", "capital. I'm trying to get a recommendation on a new bank that would be willing", "to take, you know, a chance on a startup. I asked one of my professors and they", "immediately recommended ABC to me. We had a commercial loan signed, sealed, and", "we were purchasing new cards to lease out. It was amazing, just the time it", "took was really short. The approval process was great. They are very", "approachable, they're willing to work with you, understand who you are, what", "your company's all about, and try to put the best", "value on your card.", "I think they really put forward almost like a down-home type of relationship with", "ABC Bank. I mean they really take an interest in what myself and what my", "company is doing in trying to help my company grows as best as we can.", "When it comes to business, bank on better with ABC Bank. Equal housing lender, never FDIC." ]

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[ "तो जान लीजिए भारत में Cybercrime के लिहास से Financial Fraud Topper है", "जिसमें सबसे ज़्यादा निशाने पर UPI और Net Banking है", "IT Kanpur के Incubated Startup के एक नए Research के मुतारिक", "January 2020 से June 2023 तक देश में", "75% से ज़्यादा अपराद Financial धोखाधडी के कारण हुए", "जिससे 50% से ज़्यादा मामले UPI और Internet Banking से Related है", "इस Research से ये भी पता चलता है कि January 2020 से", "देश के दुरान Online अपरादों में 12% की हिस्सिदारी", "Social Media से Related अपरादों जैसे कि पहचान छिपाकर धोखाधडी", "Cyber धमकी, Sexting और Email Phishing की है", "Social Media से समझते अपरादों में 12.02% Online अपराद शामिल है", "इस अप्ती के दुरान लगबख 78% अपरादों के लिए Online Financial Fraud जिम्मेदार है", "इसी करम में Cyber Fraud रोखने के लिए सरकार ने संदिक लेंदेन में", "शामिल 70 लाख Mobile Number बैन कर दी" ]

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[ "A CD is a little bit more complex in that it is kind of like a locked box savings account.", "So you put the money in like one lump sum and then the account gets locked and you get to set the amount of time it's locked for.", "So that's your CD term. Generally, the standard terms are about three months to five years, but the extremes are one month to 10 years.", "You're just basically waiting for that money to grow in interest and a bank or credit union.", "That means compounding interest, which is definitely a very helpful aspect.", "And then the other thing is that if you do need that money early for most CDs, if you withdraw early, you're going to have a penalty.", "And that penalty is going to dip into the interest that you've earned.", "But also it could be interest you might have earned as well as possibly even the principal, which is the amount that you put in initially.", "So that is something to be aware of.", "Personal" ]

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[ "इसे यूज़ करके हम mobile phone से, एक bank account से, दूसरे bank account में बहुत ही आसानी से पैसे transfer कर लेते हैं", "चुके इसे यूज़ करना बहुत आसान है और हम 24 गंटे से पैसे transfer कर सकते हैं इसलिए ये वक्त के साथ बहुत popular होता जा रहा है", "जैसे जैसे इसकी popularity बर रही है, वैसे वैसे इसकी users भी बरते जा रहे हैं", "चुके यूपीआई नया है, लोगों को इसके बारे में जादा जानकारी नहीं है, इसलिए इससे होने वाले fraud भी वक्त के साथ बरते जा रहे हैं", "और हमें हमेशा news में सुनने में आ रहा है कि यूपीआई के कारण अलग अलग तरीके से fraud हो रहा है", "इस वीडियो में हम लोग अलग तरीके fraud देखेंगे, कैसे कैसे लोगों के साथ fraud हुए हैं", "और फिर हम बताएंगे कि हम उसे कैसे बचेंगे", "हाई गाइस, मैं हुमरान और आप देख रहे हैं एर टेकनिकल चानल", "दोस्तों अगर आपको वीडियो का टोपिक पसंद आया तो वीडियो को लाइक कीजे", "आप हमारे चैनल पर नए हैं तो चैनल को सब्सक्राइब ज़रूर कीजे", "और बिलाइंग दवाना मत भूलिये", "इसमें दो बात ध्यान देने वाली है", "पहली बात ये कि अगर आपको लगता है कि आप टेक सेवी हैं", "और आपको टेकनोलिजिकल के बारे में बहुत सारी जानकारी है", "और आपके साथ ये फ्रॉड नहीं होगा तो ये ज़रूरी नहीं है", "ये फ्रॉड ज़्यादातर बड़े शौड़ों में हुए हैं", "जानकार लोगों के साथ हुए हैं", "और दूसरी बात अगर आपको लगता है कि आप UPI यूज़ नहीं करते हैं", "इसलिए आपके साथ फ्रॉड नहीं होगा तो ऐसी बात नहीं है", "बहुत सारे लोग ऐसे हैं जो UPI यूज़र्स नहीं थे", "और उनके अकाउंट को यूज़ करके एक नया UPI अकाउंट बनाये गया है", "और उसके यूज़ करके फ्रॉड हुआ है", "मतलब कि अगर आप UPI यूज़ नहीं करते हैं तब भी आपके साथ फ्रॉड हो सकता है", "दोस्तो अगर आपको UPI के बारे में जादा जानकारे नहीं है तो आप हमारे ये वीडियो ज़रूर देखेगा", "इसमें हमने डिटेल में बात किया है कि UPI क्या होता है", "UPI कैसे काम करता है, UPI में आप कैसे कैसे ट्रांजक्शन कर सकते हैं", "अब हम लोग अलग तरीके देखेंगे कैसे लोगों के साथ UPI फ्रॉड हुआ है", "उन तरीकों को देखके हम ये समझने की कोशिश करेंगे कि क्या क्या तरीका फ्रॉडस्टर्स यूज़ करते हैं UPI फ्रॉड करने के लिए", "इसमें जो सबसे पहला केस था उसमें मुंबई के एक परसेंट के साथ 87,000 रुपीज का फ्रॉड हो गया था", "उसने क्या किया था कि गूगल में जाके एक मोबाइल मेंबर निकाला था किसी शॉप का और वहाँ उसने किसी चीज का ओडर किया था एक प्रोड़क्ट का", "रिक्वेस्ट आया कि आप उस पेमेंट को परमिट कर दीजिए जैसे उसने अपना पिन डाला उसके अकाउंट से करीब उनतीस अधार रुपए चोरी", "हो गए जब उसने इनक्वायर किया कि आप आपको तो चार सो बीच रुपए काटने थे आपने उनतीस अधार काट लिए तो उसने", "सामने से सॉरी बोला कि हमसे गलती हो गई और जैसे उसने फोन रखा फिर से फिफ्टी एड थाउजन उसके अकाउंट से चोरी हो", "करें इसमें जो दूसरा के वर्ष में अगर साथ 10 थायुना माघटों और उसके चरीटेंट करना किया चलते हो", "उसके बात पहुंचने को जाता है फिर सामने सामने सामने वाले ँपयात सुसाब कीजिए और मेरे अकाउंट भागान करें", "जीत तक था जवो फोन रखने लगा तो उसने कहा कि जो पैसे मैंने तुम्हारे अपने डा ले थे वह तुम मुझे रिटर्न कर", "कैच किया था इसमें कैच यह था कि जब भी कोई transaction test करता है वो छोटे पैसे test करता है जैसे कि", "पजास रुपए सौ रुपए यहां तो आप एक रुपए भी test कर सकते हैं तो तीसरा रुपए बेच के कौन test करता है इसमें", "जो तीसरा रुपए हुआ था उसमें मुंबई के एक बंदे के साथ 85,000 रुपए का रुपए हो गया था उसमें क्या हुआ था कि इसने भी जो", "number निकाला था वो google से निकाला था बड़ इसके रुपए करने के तरीके में कुछ change था इसने एक restaurant का number निकाला था", "और restaurant को call किया था ताकि वो table को book कर सके तो उसका जो call था वो pick नहीं हुआ फिर सामने से call back आता है", "call back आने के बाद कहता है कि हाँ हमारे यहाँ rush रहता है restaurant में आप वहाँ table book कर सकते हैं लेकिन उसके लिए आपको 25 रुपए pay करने होंगे", "इसमें क्या हुआ कि सामने वाले बंदे ने convince किया कि आप google pay से payment कीजे फिर क्या हुआ कि इस बंदे के पास एक SMS आया उसे कहा गया कि इस SMS को दूसरे number पे forward कीजे", "फिर इस बंदे के पास एक link आया सामने वाले के पास से उस link open करते ही उसमें आया कि आप उसमें अपना pin डाल दीजे और submit कर दीजे जैसे ही उसने submit किया उसके साथ बहुत सारे transaction हुए और बहुत सारे transaction में करीब 85,000 रुपीज की चोरी हो गए", "इसमें catch ये था कि सबसे पहले कि आपको जो आपके पास message आया आप किसी को forward करने की जोरत नहीं थी उसके अलावा यहाँ पे भी जो number निकला था वो google से निकाला गया था जब इस बंदे ने जाके restaurant में confirm किया तो पता चले ये number उनका था ही नहीं", "इसमें जो चोथा case था उसमें actually fraud हुआ नहीं था उसमें थरा सुझ भूँ से काम लिया था बंदे ने और उसने अपने आपको fraud से बचा लिया था पर ये case देखने लाइक है इसमें क्या हुआ था कि उसने OLX पे एक समान बेचने को डाला था उसने कहा था कि उसका दाम करी�", "28,000 रुपे है और वो किसी समान को बेच रहा है तो क्या हुआ एक fraudster ने उसको contact किया उसने बोला कि मैं आपका समान खरीदना चाहता हूँ मुझे पसंद है उनके बीच में negotiation हुआ जो final हुआ कि आपको 28,000 रुपिया पे करना पड़ेगा फिर क्या हुआ कि fraudster ने कहा कि मैं �", "आपको उसका आधा amount पे कर देता हूँ इससे क्या हुआ कि मैं समान book कर दूँगा और आधा amount मैं बाद में पे करूँगा जब मुझे समान मिल जाएगा उसमें क्या हुआ fraudster ने कहा कि मैं phone पे application का use करके आपको payment करता हूँ और वो तैयार होगे कि हाँ ठीक है आप payment कीजे उ", "अगर उसने गलती से pin डाल दिया होता बिना check के हुए तो उसके account से 14,000 रुपीज कट गए होते उसने थोड़ा सूजबू से काम के उसने देखा कि ये मुझसे pin क्यों मांग रहा है तो उसको सुमझ में आगया कि ये पैसे request हो रहे हैं उससे अब तक तो हमने देखा कि fraud कैस", "कैस किया जा सकता है उसके हमने अलग अलग example देखे अब हम ये देखेंगे कि fraud से हम खुद को कैसे बजा सकते हैं और फिर देखेंगे कि अगर हमारे साथ fraud हो गया है तो हमें क्या करना चाहिए इसमें जो सबसे पहला point है वो ये है कि जो request money का जो feature है उसे हमें बहुत साधान", "होते है इस तरह का बहुत सारा fraud हुआ है इस बात का हमेशा ध्यान रखना है कि जब भी आपको कहीं से पैसा आता है तब आपको pin डालने की जोरत नहीं परती है", "पिन आपको तभी डालना होता है जब पैसे आपके account से कटने वाले होते हैं उसके एलावा जो applications UPI applications होते हैं उसमें बहुत सारे ऐसे feature होते हैं जैसे कि कोई stranger होता है तो उसमें stranger warning आ जाता है कि ये stranger है आपको इसको भेजना है या नहीं भेजना है उसके एलावा अगर आपक", "किसी पे शक होता है तो आप उस user को block भी कर सकते हैं इसमें जो दूसरा point है उसमें आपको इस बात का ध्यान रखना है कि आपको कभी भी अपने जो mobile का है remote access किसी को नहीं देना चाहिए हमने इस पे एक वीडियो बनाया था any desk app नाम से उस वीडियो को आप जरूर देखिये�", "उससे आपको समझ में आएगा कि ये fraud कैसे होता है इसमें generally क्या होता है कि जब आप customer support के लिए जाते हैं तो आपको कभी कभी fraud से contact हो जाता है वो क्या करता है कि वो कहता है कि आप ये application download कर लिजे application download करने के बाद वो कहता है कि आपके साथ जो pin है वो आप share किए जैसे ही आप", "application हम लोग office में use करते हैं IT companies में उसमें क्या होता है कि मालिया मैं घर से काम कर रहा हूँ और office का कोई system है अगर हमें उसको access करना है वहाँ पे काम करना है घर पे बैठे बैठे तो हम लोग यहाँ से उस application को install करवाते हैं वहाँ पे उसका pin share करते हैं उसके बाद हम उसको control कर सक", "जो OTP आता है वो तो उनको दिख जाता है उसके अलावा कभी-कभी बात में आपको engage करके आपका जो card का detail से वो भी ले लेते हैं कभी-कभी उनके पास पहले से होता है जो वो किसी दूसरे माध्यम से उसको चोड़ी किये रहते हैं तो क्या होता है जैसे उनके पास OTP मिलता", "है 2016 में बहुत सारे fake application भी आ गए थे जिसमें बहुत सारे को Google ने Play Store से हटाया भी है पर आप नहीं जानते कि कितना नया आ सकता है उसमें जब भी आप application डाउनलोड करते हैं तो आपको verify करना चाहिए कि वो किस developer का develop किया हुआ है जैसे जो official भी map है उसको NPCI ने बनाया है या �", "फिर Google पे है उसे Google ने बनाया है तो इसमें जाकर आपको history चेक करना चाहिए कि किसने उस application को upload किया है या develop किया है उसके लावा आपको उसका जो number of downloads चेक करना चाहिए जितने भी famous applications होते हैं उसके बहुत सारे downloads होते हैं जैसे कि अगर Google पे है या official भी map है उसके बहुत सारे आ", "आपसे banking का कोई भी information मांगता है तो उसे आपको share नहीं करना चाहिए वो आपकी private चीज होती है generally पहले वो ले लिया जाता है फिर दूसरे माध्यम से OTP लिया जाता है और आपके साथ fraud किया जाता है उसके एलावा जब भी आप जो UPI का installation करते हैं और जो setup करते हैं वो आपको", "एक fraud के case में देखा था कैसे SMS आया था और उन्होंने forward गलती से कर दिया था और उनके साथ fraud हो गया था ये generally क्या होता है जब आप UPI को use नहीं कर रहे होते हैं तो आपके bank account को use करके एक नया VPI account create किया जाता है और जो fraud है वो UPI use कर लेता है आपके bank account से और transaction कर लेता है इसलि�", "में आपको एक बात का और ध्यान देना चाहिए कभी भी आपको जाके Google से कोई भी contact number नहीं निकालना चाहिए हमने देखा है कैसे उसके साथ use करके fraud हो जाता है तो जब भी आपको जो genuine number चाहिए अगर company की genuine website है आप जाके वहाँ से निकालिये या फिर आप किसी और माध्यम स", "और OTP को आपको कभी share नहीं करना चाहिए इसमें क्या होता है कि जो fraud caller है वो merchant account use करके भी आपको के साथ fraud कर सकता है उसके अलावा आपको एक बात और ध्यान देना है कि जब भी आपको अपने account से पैसे transact करने होते हैं तब आपके पास OTP आता है अगर आपको पैसे कहीं से आ", "fraud ले लेना चाहिए वो evidence का काम करता है उसके अलावा आपको क्या करना चाहिए जो आपके password है और PIN है आपको उसी time change कर लेना चाहिए उसके", "बाद आपको क्या करना चाहिए आपको सबसे पहले जिस bank में आपके account है उस bank को contact करना चाहिए जल से जल्द और आपको", "जाकर अपने अकाउंट को ब्लॉक करना चाहिए इससे क्या होगा आप जितना जल्दी ब्लॉक करेंगे उतने कम", "ट्रांजेक्शन आपके अकाउंट से होंगे इसके बाद आपको क्या करना चाहिए आप जो भी application यूज करते", "लोग कर सकते हैं कि आपके साथ ऐसा इस सफल हुआ है इसके बाद आपको क्या करना चाहिए कि रिजर्व एंटर", "देश में जाकर आपको रिपोर्ट करना चाहिए रिज़र फेंड रेनीन एक स्किन निकालियों से ऑमबर्समैन करके उसमें", "क्या होता है कि आपके साथ कोई भी digital transaction का कोई भी issue", "आता है failure आता है या फिर आपके साथ fraud होता है आप जाके उसमें आप", "जाके report कर सकते हैं आप उसके website से जाके आप form download कर", "सकते हैं उस form को fill करके आप report कर सकते हैं आपको बहुत ही", "और कितने तरह का fraud हो सकता है UPI में जो हमने इस वीडियो में", "mention नहीं किया आप हमें comment box में लिख के बताईए दोस्तों अगर आपको", "वीडियो पसंद आए तो वीडियो को like और share कीजे आप हमारे चैनल पर नए", "आए तो चैनल को subscribe जोर कीजे और bell icon दवाना मत बूलिये का" ]

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[ "Number one, वो आपको ऐसा एक illusion create करके देता है कि आपके पास पैसे हैं", "when the truth is शायद आपके पास पैसे नहीं है.", "Number two, अगर खुदाना खासता आप अपनी पूरी payment नहीं कर पाते हैं", "then it piles up on the interest like nothing else", "because 30 to 36% का interest देते हैं आप साल का", "which makes it the most expensive loan.", "Number three, अगर आपने payment पर default कर दिया आपका credit score गया", "that will make it harder for you to get loans or even if you get them", "आपको उनको higher rate of interest पर मिलेगा.", "But credit cards are not all that bad as well.", "There are three reasons why credit cards are awesome.", "Check my channel to get that shots as well." ]

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[ "Uh, I think like $2,000?", "I'm at $10,000, baby, and my bank pays me a cool .01% a year on my money.", "Oh, cool.", "Uh, you're not jealous?", "Uh, why would I be jealous?", "Cause you're always talking about passive income,", "and the bank is paying me $100 a year and only $20 to you.", "Alright, what bank do you use?", "Chase, why?", "Why? Cause I own shares of Chase, and they pay me a 2% dividend.", "So, while you're counting pennies with your .01%,", "I'm getting 200 times more than what you're getting on your money.", "Huh, I never really thought of it like that.", "Yeah, so now are you jealous?" ]

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[ "आज हम बात करेंगे फोन पे फेल्ड राइंसन के विसेबर", "तो कभी कभी जब हम फोन पे से पैसे ट्रांसपर करने का प्रायास करते हैं", "तो होता है कि हमारा एकाउंट से बैलेंस तो कट जाता है", "लेकिन सामने वाले तो पैसा जो है नहीं पहुँचता है", "तो ऐसी स्थिति में हमें क्या करना है", "इसके लिए आज पुरा एक थ्री स्टेप एक्शन प्लान है हमारे पास", "तो हम देखेंगे तो चलिए देखते हैं कि क्या है ये 3 स्टेप", "हां स्टेप नंबर होने चेक द बैंक एकाउंट्स पहले तो हमें अपने बैंक एकाउंट्स टेक्सर लेने जिस", "अकाउंट हम पैसे भेज रहे हुए ते हमारा जो फिप्पर का � Porridge पहले चेक करेंगे पैसा सभी में हमारे", "मिष्ट अकांट से या नहीं कटा गया। या फिर देख दधके द्वारा से क्रेडिट हो चुका है। वो आप आ चुका है। हमारे", "पहले प्रयास में जाना है क क्योंकि व हो जाना है उसके साथ ही जिस अकाउंट में हम पैसे को ट्रैंसफर कर रहे", "उस account पे भी हमें एक बार check करा लेना है", "अगर समभव हो पाए तो उस account से।", "भी हमें एक बार check करा लेना है", "कि उसमे credit हो रहा है", "पैसा जमा हुआ है", "या नहीं हुआ है", "या क्या हुआ है", "क्योंकि जो कभी-कभी होता है", "है कि phone pay में status", "transaction pending दिखा देता", "अब हम पढ़ेंगे step 2 की तरफ", "तो step 2 में हमें अपना complaint जो है वो register कराना है", "phone pay के साथ", "तो phone pay में कैसे हम अपने complaint को register कराएंगे", "चलिए mobile screen पर चलते हैं और देखते हैं इसका एक demo देख लेते हैं", "पहले तो हमें history option को select कर लेना है", "इसमें जो भी हमारा transaction है", "phone pay का transaction वो सब कुछ यहाँ पर display हो रहा है", "तो इसको हम जो भी जिस transaction से हमारा problem है", "उसको हम select कर लेंगे", "जैसे के example के तौर पर यहाँ पर नीचे मेरा transaction fail हुआ था", "तो इसको हम select करके देखते हैं", "contact phone pay support का option है", "इस option को हमें select कर लेना है", "तो यहाँ पर हमारा transaction से जुड़ा जो भी problem है", "उसको हम नीचे option से select कर सकते हैं", "जैसे के amount debited for this transaction", "चले इसको select करके हम देख लेते हैं", "देखे जैसे ही मैंने इसको select किया", "phone pay की तरफ से तुरंट जो है reply आ चुका है", "अब नीचे question आ रहा है", "do you need further help", "इसको हम yes कर सकते हैं या फिर no कर सकते हैं", "तो यहाँ पर मेरा काम हो चुका है", "तो इसको हम no कर लेंगे", "देखे अब नीचे जो है", "reply तो आया है phone pay की तरफ से", "उसके साथ ही साथ", "नीचे की ticket ID आ चुका है", "यहradro.com Krishna", "मेरा complaint number है", "तो यह complaint number है", "हमारा complaint number के साथ", "10 days तक यहाँ पर हमें 10 दिनों तक इंतजार करना है", "तो अगर 10 दिन के बाद भी हमारे bank account में पैसा credit नहीं हुआ है", "तो हम आगे बढ़ेंगे step 3 की तरफ", "step 3 है कि send a mail", "एक mail हमें भेजना है", "तो यह mail हमें किसको भेजेंगे", "यह mail हम किसको भेजेंगे पहले हम इसको समझने का प्रयास करते हैं", "तो step 2 में जो हमने complaint किया है उसका हमें जिस हिसाब से response मिला है", "उसी के आधर पर हम mail को भेजेंगे", "तो अगर हमें step 2 में यह reply मिला है कि पैसा phone pay की तरफ से refund कर दिया गया है", "� свामधर त्रोंकलारिक नीची कर दिया है, तो हम1 साल of 3 out of 4 वनक Mornings for bank", "तो तो इस की निराउत के साथ हम लिखेंगे एक ज़ीनेनी नीचे.", "की है �म एंस्टंवर नाम निप्र neck,", "लोगे � visas हों के काथला.", "अब कुछ बात हम रखिए तो किसने वीडियो,", "को contact कर सकते हैं और यहाँ पर हम phone pay को एक mail लिख सकते हैं", "phone pay का mail id अभी आप अपने screen पर देख रहे हैं इस email id पर हम", "mail को भेज सकते हैं तो step 3 में हम किसे mail भेजेंगे यह हमें", "खुद decide करना है हमारा case अलग अलग हो सकता है depending on the", "case जो हमारा case है और हमें step 2 में जो response मिला है उसी के", "हिसाब से हमें इस mail को लिखना है और किसको भेजना है उसका decision हमें", "खुद लेना है तो यहाँ पर मैं आपको बताना चाहूँगा कि अगर आपको कुछ", "confusion है कि आप किसको mail भेजना होगा तो इस विषय पर आप comment", "steps follow कर लिए फिर भी अगर हमारा पैसा refund ना मिले तो क्या करें", "तो इस विषय पर बहुत ही जल्दी मैं आपके लिए वीडियो लेकर आ रहा हूँ तो", "चैनल के साथ जुड़े रहे हैं चैनल को अगर आपने अभी तक subscribe नहीं कर", "देखिए" ]

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[ "Well, in simple terms, it means that if you had an upcoming international trip", "that you had budgeted and planned for to the T, you might have to redo the math.", "Now, the central government has notified an amendment to the Foreign Exchange Rules or", "FEMA Act, due to which international credit cards will now attract a higher rate of", "tax collected at source or TCS, which will come in at 20%.", "Now, this will come into effect from the 1st of July.", "Remember, the TCS rate currently till June 30th is just at about 5%.", "So, any payments done through an international credit card, whether it's your travel,", "your hotel bookings, or even things that you would order online using an international card,", "all of those will now be taxed at 20% at source.", "In fact, for spends above 20%,", "which works out to about a 2.06%." ]

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[ "कोई टेकनिकल इशू होगा मैंडम? पैसे आ जाएंगे अकाउंट में वापस, क्यों टेंचन ले रहे हो?", "नहीं ये टेकनिकल इशू नहीं है मुझे लग रहा है कि ATM मशीन में ही कुछ करबड़ थी", "अच्छा आप बताएं फिर हम क्या करें?", "सर्व, असपर आरबियाई मेरे कंप्रेइन के साथ दिन के अंदर अंदर पैसे आ जाने चाहिए मेरे अकाउंट पे", "नहीं तो सोर पेपर डे के साफ से पेनल्टी लगेगी", "मैंनम ये बाद-बाद पे आरबिया को क्यों बीच पे ले आते हो?", "कड़ते हैं ना मुझ?", "कड़ते हैं सोर" ]

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[ "Welcome, sir.", "So, sir, just going further upon the NBFC growth story,", "we know that they are recognized as an integral part of the financial system", "and bringing in some of the segments that aren't tapped by banks, right?", "So, what are the new sort of product solutions or use cases that are being brought to you by these NBFCs?", "And are there any sort of product solutions that excite you personally?", "Because it's a very competitive market with a broad range of needs.", "So, are there any new solutions on the horizon?", "See, we always react to what customer need is.", "We don't just go by a new product or a new design of the product.", "See, ultimately it should benefit the customer.", "So, if there is a need for the customer, definitely we will work on it and we will enable it.", "But it happens so instantly for us.", "We don't really have to know.", "Wait.", "We wait for some new thing to happen and provide it.", "So, most of the customer that is needed by the customer is already in the place.", "And if required, we will develop it.", "So, I don't really see, wait for some regulatory change or some competition to provide us tool for developing new product.", "Understood.", "Also, well, now the festive season is just on the cusp.", "And we have, you know, we are waiting for how these spend.", "How do you see the unseasonal rainfalls or other factors playing out?", "And what are the trends you normally see during the festive season that you also spoke about in the panel?", "Yeah.", "See, the uncertainty or unseasonal rain normally disrupts.", "But the disruption is normally short period.", "It is not a long term.", "Because we have seen similar thing happening last year.", "If you observe, people don't normally remember what happened last year.", "Last year, I also see.", "A similar disruption that came because of unexpected heavy rains or lack of rain in between.", "Our monsoon getting prolonged.", "In fact, last year, the monsoon was prolonged up to October in some part of the country.", "So, like that, I think these are all the new, what you call, uncertainties which people are able to manage.", "Because it is not that today.", "The rain is not that heavy.", "There are sufficient tools, methods, transportation, communication that is helping the farmers or the rural economy to cope up with such uncertainties.", "So, last year, in spite of such uncertainties, the crop was higher by around 3.5%.", "That overall crop output for the agricultural financial year.", "That starts from...", "June to July.", "So, see, so I feel this year also, as per the numbers are concerned, the indication is that it will be on par with last year or slightly more.", "So, there is no number or no prediction or forecast that suggests that the output will be lesser than the last year.", "So, I don't really see it is having a lot of negative impact.", "Plus, as I was telling you today.", "There are a lot of tools and methods to get over it.", "So, I don't...", "And people also are willing to change their crop pattern.", "Willing to put a new crop depending upon the situation, what they want.", "Whether it is pulses or vegetables or...", "So, people made minted money on tomato price.", "So, there are people who are very, you know, very adoptive to the situation and make it happen.", "Okay.", "All right.", "So, fairly optimistic view on the season ahead.", "With that, I would thank you for your time and this would conclude our interaction with Sheeram Finance.", "Thanks a lot viewers." ]

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[ "So if you are taking a car on loan, that is pretty much a pointless loan.", "You are not getting any kind of tax benefits.", "And in majority of the cases, you are much better off buying a car through your savings", "rather than through a loan.", "On the flip side, if you are taking a loan in order to buy a house or a property or a land,", "then it is very likely that you will be able to get some offsetting benefits in the form of tax", "rebates. So you should consider taking loans for some specific purposes.", "If I have to give you another example, then the narrative in the market is that,", "you know what, keep taking loan for every single thing out there.", "So for 500 things, I will have some kind of loan running on my head.", "You should not be doing it because every time you take a loan, it impacts your Sibyl score.", "Ideally, you should consider taking productive loans only.", "Please do not take unproductive loans, no matter how lucrative it seems to you." ]

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[ "KeyBank secured credit card but before I do that I would ask you to please", "subscribe to our YouTube channel if you have not already and if you have already", "I thank you for doing so. So if you are someone who is on your credit building", "journey you're trying to build credit or you're trying to rebuild credit there is", "a new secured credit card out on the market and that is from KeyBank which is", "a regional bank fairly large bank actually you know sort of in the top 30", "or so banks in the country but not necessarily familiar to everyone and", "not necessarily well actually not at all available to everyone in the country so", "there are 15 states in particular where a KeyBank does business and", "where you can get this new card and those states are Alaska, Colorado,", "Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio,", "Oregon, Pennsylvania, Utah, Vermont and Washington State. Now if you're in one of", "those states here is what the KeyBank secured credit card has to", "offer. You put down a $300 to $500 thousand or $500 thousand a $300 to", "$5,000 deposit as a security deposit and that will be the credit line that you", "get. Now if you haven't had a secured credit card before you put down a", "security deposit and the amount you put is the credit line they give you that", "security deposit sits off to the side as sort of a safety for the bank you use", "the credit card just like any other credit card meaning you have to pay your", "bills every month.", "You should pay it off every month and on time and all that sort of stuff.", "The bank does not take anything from that security deposit unless you fail to", "pay your bills. If you're getting to a place where you're defaulting", "and defaulting and you're not paying your bills on time eventually they would", "take that money but in theory you should have that money sitting to the side and", "when you no longer need the card they give it back to you so if you don't know", "how they work that is the quick quick version. So anyway $300 to $5,000 is the", "you know amount that you would put down to get this card and that again sits over", "on the side as a security deposit that money goes into what they call the Key", "Active Saver account which is basically a savings account which has you know a", "very small rate of return. Key has some little features there where you know you", "can get a little bit better return on that account based on some financial", "wellness things that I'm not really going to go into here because even if you were at the very top of the list you'd be very burned out.", "your interest rate so it's not going to be very much regardless but anyway that", "money sits in the account and you use the credit card just like any other this", "card has no annual fee it does have a very high interest rate at twenty four", "point nine nine percent now if you know anything about secured credit cards you", "know a lot of them have fairly high interest rates so that it's not a", "surprise having no annual fee is a good thing secured credit cards can go kind", "of both ways you're going to have this reporting to your major credit bureaus", "major banks so that's not you know any surprise now KeyBank says that they will", "review your account twice per year to see if you may be eligible to graduate", "to an unsecured credit card so basically what that means is they're going to", "check your account out if you've been making your payments on time and you", "know they look at anything else sort of in your credit report or credit history", "they may return that security deposit to you", "and allow you to keep using the card and so now you have unsecured credit you", "know that you don't have to have that deposit anymore you get your money back", "and you can spend that on something else if you want to anyway as far as this", "applying for this card you have to apply in a KeyBank branch which you know is", "part of the reason that it only is available to people in the states where", "there are KeyBank branches right so overall KeyBank is not a particularly", "exciting bank like the other credit cards they have are not particularly", "exciting but if you are someone who's a very good credit card user and you're", "someone who is on a credit building journey and you want to build or rebuild", "your credit and you are in one of these states where KeyBank is this is not a bad", "way to go no annual fee is a nice thing on a card the fact that they're talking", "about potentially graduating you to an unsecured card in less than a year is a", "good thing and the fact that you actually have to go into the branch to", "apply for it tells me that they are looking for you know sort of more local", "customers in their markets versus a more local customer", "it will be something that you really want to get out there and really want to", "see but make sure to sign up for sommes unsecured so it's going to be a way for", "different socials", "in discernment yeah yeah I mean it's great actually the part that that's kind of a good thing now is obviously the background also there's so much moreamin bugs than certain things usually there aren't those big ness and a lot of tables that are probably", "your credit and you're in one of key banks states but that is pretty much it", "thanks for watching please go to proud money.com where we do reviews of other", "credit cards and personal finance features and all sorts of other fun", "stuff too thanks for watching bye" ]

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[ "You've paid your principal balance now down to a balance of $110,000.", "In that same time, the market has appreciated giving this property a current value of $200,000.", "So you have $90,000 of equity to your name.", "Now let's assume we want to tap into this equity.", "So banks feel happy when they only loan out 80% of that value.", "If we took a loan out for $160,000, we would have 80% LTV.", "So your $110,000 mortgage does stay in place for HELOC.", "So you basically take your 80% LTV and minus what you already owe.", "We have $160,000 minus $110,000 here.", "And that would give you $50,000 that you could potentially get a HELOC.", "For in this example." ]

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[ "One. So this card is designed for people with bad credit or very limited credit history,", "and it does require a refundable deposit up front, and that can be $49, $99, or $200.", "Now I know at this point a lot of people will be asking, why would I get a credit card that", "requires a refundable deposit? Why would I not just use my debit card to make purchases? Now", "you could do that. You certainly could spend on your debit card. It tends to be less safe to use", "your debit card, but also the advantage of this card is it extends credit to somebody that maybe", "isn't really credit worthy, and the activity on this card is reported to the three major credit", "bureaus. So by using this credit card and assuming that you are using it responsibly,", "you can build credit over time. So that's the big thing with secured credit cards,", "is they allow people that aren't super credit worthy to build credit over time", "with these.", "Now one thing that's common to see with most secured credit cards is that your security", "deposit on the card is equal to your credit limit. Meaning you can't get out over your skis,", "whatever credit they're extending to you is actually backed by a security deposit.", "Now in this case, so long as you make the minimum required security deposit,", "which could be as low as $49, you're guaranteed an initial credit limit of $200.", "Now there is also the option to increase your credit limit by depositing more money", "upfront, but at a certain point I believe there's a cap.", "Now the reason I'm focusing so much on the credit limit is that your credit limit can", "impact your credit score, not directly, but through something called credit utilization,", "or your credit utilization rate, which is how much credit you're using, so your current", "borrowing amount, divided by the credit you have access to. So let's say you have just this one", "card, it is the monthly balance or the current balance on the card divided by your credit limit.", "So just mathematically, the higher,", "your credit limit, not only is it harder to hit your credit limit, but theoretically,", "your credit utilization rate should be lower. So if you keep your spending the same,", "but your credit limit goes up, your utilization should go down and that should positively impact", "your credit score. So if you can, you want to go for a higher credit limit.", "And what's also nice with this card is that you can be considered for a credit limit increase", "after making your first six on-time monthly payments. So not only can you potentially", "increase your credit limit, but you can also increase your credit limit. So if you're", "a credit limit, you can also increase your credit limit to start, but you can also hopefully get a", "credit limit increase by demonstrating that you're responsible to credit over time. Now,", "you should be aware that this particular card does not offer any rewards. So when you do spend on the", "card, you're not earning a percent cash back or anything like that. You're getting this card", "specifically to build credit over time. And also, if you do carry a monthly balance, the APR", "on all secured credit cards tends to be relatively high. So if you can avoid it,", "do not carry a monthly balance on this card.", "So you want to spend on the card, use it responsibly and pay it off immediately.", "And because getting this card is all about building credit over time,", "one thing we do really like is that Capital One offers a free credit monitoring service", "through CreditWise in their mobile app and on their website. That way you can keep tabs on", "how your credit score is progressing over time, make sure there aren't any errors,", "and hopefully make sure you're trending in the right direction.", "And the last thing I want to mention with this card, although I'm not sure it's the", "most relevant thing, is that it doesn't charge any foreign transaction fees. So", "if you do find yourself outside of the US, you can spend on this card and use it normally", "just like you would inside the US and you're not charged a 3% foreign transaction fee.", "So that's a quick overview of the card. You can learn much more about it on our website.", "We actually have a full review on our website. If you're watching on YouTube, I will link", "that in the video description below. Before you run out and get a new credit card, make", "sure to check our reviews and our other articles that are really helpful. So if you're on YouTube,", "check out everything in the video description.", "Thanks for watching.", "Have a great day." ]

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[ "couple of weeks ago I posted about how actually it was a couple of months ago", "this was like in I think it was in May that someone had gotten a hold of our", "credit card number from Walmart money card and from it's like a green dot card", "through Walmart money card and they had been in a different city and decided to", "I don't know how they got our credit card information because me and my", "husband both had our cards and so I guess they skimmed it and they used it", "to purchase something at a gas station or a convenience store to make sure it", "worked and then they used it to purchase $30 worth of Burger King and we love", "Burger King", "I know some people don't but we do but we're not purchasing $30 worth of Burger", "King and especially in Brooklyn New York so I immediately called the card when I", "noticed that it happened and I let them know they never they didn't help me over", "the phone they just told me I had to write handwrite to them and tell them", "like these charges are fraudulent they had you have to list the vendor the name", "all the information", "I'm not going to do that", "so I put all the information and they're saying you have 60 days", "everywhere on the website says you can do it from the website everywhere and", "access go to the website I do I jump through all the hoops I hand wrote a", "letter to them and said hey here here the charges me and my husband we live in", "Kansas City we've never been to Brooklyn New York we both have our cards so we", "know that someone has skimmed our information and used it", "so they so they gave me a number I followed up on the number long story short it's been since May", "and I and I was just like where is our money where's our resolution so I called them today", "and they're just like um our fraud team determined that it was a valid charge", "that we're not going to refund you the money um because we we determined that it's a valid charge", "and I said how and she was just like well we sent you a letter saying how we're not going to refund", "you the $35 because it's valid and so I pull I was so nice and polite this whole time I said", "you know I went through everything that you asked me to do to prove we were in Kansas City we still", "had our cards you know we we did all the things you asked us to do to prove that it was a valid", "you know fraudulent charge and now you're telling me that we in fact were in Brooklyn New York", "purchasing Burger King and at a gas station when we've never been like we sent you everything she", "said yeah I said cancel the cards cancel the cards don't we're not gonna we're not gonna put", "anything else on it because they're prepaid debit cards and the thing that bugs me is that I've used", "these prepaid debit cards for gosh at least 10 years", "I've had a Walmart money card or a or a green dot card and I've never had anyone steal my", "information and never had this and but yeah so I would say this is just based on my experience if", "they're like this for $35 they're not willing to and you I've sent everything that we did not make", "this purchase we did not do the things if they're willing to do that for $35 I'm not going to do that", "I'd say do not don't bother don't use their cards don't use their products definitely don't use it", "for direct deposit because someone was able to skim our credit card number and use it to make", "purchases in a different city and they have no no recompense in order to try to resolve it and I'm", "I waited two months for $35 that they said is valid and", "I'm never just never gonna get back so that was my experience I'm sure and again this was 10 years", "using this using these cards so I'm really I'm sad that that that happened but just don't even", "bother go to a credit union use PayPal PayPal always make sure you you get your money back if", "something happens use our actual bank Bank of America's is great I'm told so I just I'm just", "I'm I'm mad I wanted my 35 bucks and I just wanted a resolution because I had gone through", "everything to prove that it wasn't us so so that's me that's my story frustration I really", "wish they would have done more to to help out but nope so okay bye" ]

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[ "Okay, आपका registration complete हो गया", "Hello madam, हमारा account से 50,000 रुपे निकाल दियो", "Siam Lal, लेकिन sir आपके account में तो पैसे ही नहीं है", "आपने कुछ दिन पहले आधार कार्ड से निकाल लिये हैं", "इक कबू, हम तो लूट गए, हम नहीं निकाल रहे हैं पैसे", "अभी जो आपने देखा, यह बहुत बड़ा स्कैम है, यह आपके साथ भी हो सकता है", "इंडिया में यह बहुत तेजी से बढ़ रहा है", "AAPS आधार इनेवल्ड पेमेंट सिस्टम है, एक ऐसा सिस्टम है", "जहांपे सिर्फ आधार कार्ट की डिटेल्स और फिंगर पिंट से", "बैंक अकॉंट से बिना किसी OTP के पैसे निकाले जा सकते हैं", "इसी का फायदा स्कैमर उठा रहे हैं", "और स्कैमर गब्मेंड रेस्टी वेबसाइट, ओफिसेस और अलग अलग जगा से", "लोगों के आधार कार्ट की डिटेल्स, उनके फिंगर पिंट को कॉपी करके", "बैंक अकॉंट से पैसे निकाल रहे हैं", "इसी लिए सिर्फ जरूरत पढ़ने पे ही आपको फिंगर पिंट का इस्तमाल करना है", "जरूरत ना हो तो आधार के वेबसाइट पे इसे लोग कर लें", "सो देट कि आप सेफ रह सकें", "इस वीडियो को पूरे इंडिया में सेर कीजिए" ]

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[ "Year after year, this baby ranks as one of the top credit cards in Canada,", "and 2020 is no different.", "In today's video, we're going to go over all the perks and features of this heavy hitter", "and eventually answer the question that you're definitely wondering,", "should you get it?", "Now, if at any time you guys want to check it out or apply,", "I'm going to make it the first link below.", "And if you guys do use that link, it does help out the channel.", "So I would be forever grateful.", "If you want to get the Amex Cobalt, you go through your board.", "Now let's get into it.", "So the Cobalt Card is one of Amex's flagship offerings for Canadians.", "First, let's talk points.", "In terms of perks, you're getting five times the points on eats and drinks.", "This includes cafes, bars, and most importantly, groceries.", "You're getting three times the points on streaming services.", "So this is things like Apple TV, Netflix, Disney Plus,", "which is fantastic for millennials who have a million of these subscription services.", "You're getting two times the points on travel and transit.", "So this is things like gas, bus tickets, Ubers, et cetera.", "And you're getting one extra points on every other purchase.", "Now, the five times the points on eats and drinks has made it extremely popular", "among young adults who are trying to get a job.", "So you don't have to break into the professional scene", "or going to bars and restaurants all the times.", "And if you're getting 5x there and 5x on the groceries,", "I mean, it is just a killer combo.", "Now, in your first year with the Cobalt Card,", "you're going to get an additional 2,500 points for every month that you spend over $500.", "This can add up to a max of 30,000 additional points.", "Now, if you're like me, it's a bit hard to understand the value transfer of points", "to dollars or what you're actually getting out of the card.", "So let's break it down for you.", "Let's say you spend $4,000 a month,", "and it's a variety of categories which are going to be listed on the screen here.", "Now, how much value?", "Getting out of the card is really going to depend on which categories you're spending the most.", "But in this example, you get just over $2,200 worth of points here.", "With this spending, you'd also get the full 30,000 welcome points,", "which equates to $600 worth of value,", "netting you just over $2,800 worth of value in your first year.", "That's pretty amazing.", "Now, there is an annual fee of $156, and they break it up monthly.", "So you basically pay 11, 12 bucks a month,", "and it's fairly reasonable for all the value that you get out of this card.", "If you subtract this from the value that you're getting,", "you're still getting over $2,500 worth of value.", "and over $2,000 in every subsequent year.", "Now, you can use these points towards flights, hotels, tickets, gift cards.", "There's a litany of things you can use it towards,", "but the big, big return that you probably should be using it for is the travel categories.", "Using the MX Cobalt card consistently will absolutely net you more than a few free flights.", "In fact, one of the coolest things about the MX Cobalt is that you can directly transfer your points over to an airline program.", "This is a new perk that actually came out last year, and it is just like such a game changer.", "Just by transferring your MX points over to airline partners is probably going to give you the best ROI on your points.", "You'll need to create an account with the airline partner like Aeroplan or Delta,", "but most of them you can just do it through MX, and then you'll be able to just transfer over those points.", "For some, the transfer is fairly instant, and for others, it takes a few business days.", "The six airline programs you can transfer MX points into are going to be listed here.", "So you have Aeroplan, Air France Flying Blue, Asia Miles, British Airways Executive Club, Delta SkyMiles, and Ethia Guest.", "Now, Air Canada and British Airways are actually getting that one-to-one transfer", "for the other airlines you're getting less than one-to-one.", "But to me, the Aeroplan transfer with Air Canada is probably going to be the best", "because for Canadians, it's just the widest selection of flights.", "It's pretty cool.", "Now, to understand how great this one-to-one conversion is, let's do an example.", "Assuming your spending is up there, let's just take your 30,000 points that you get as a sign-up point.", "If you take that 30,000 MX points and convert it into 30,000...", "let's say you're taking a 30,000 point loan.", "Thank you." ]

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[ "They even said that they changed the name of the association in efforts to rebrand.", "But at the moment, before all this regulation,", "and from the comments that I can see coming through on the socials,", "we want you to share with us your story.", "Have you borrowed from a loan app?", "And what happened?", "What treatment did you get?", "If you got great treatment, please call us up and let us know.", "By the way, these guests, they called me.", "They were like, hello, madam.", "I hope you're good.", "Don't worry.", "Or were they calling you and insulting you?", "Because most of the tweets I'm seeing.", "They never call you and tell you don't worry.", "Which loan app?", "Don't worry.", "There's somebody who took this loan thing.", "And then I just remember my mom called me.", "She was so furious because there's a lady who had called her,", "who sounded like maybe a third her age,", "who had insulted her.", "Hey, mama.", "What's up?", "Hey, hey.", "You have a lady who doesn't know who she is.", "Pay the debt.", "Why are you living like this and not paying the debt?", "Imagine.", "Talk to my mom.", "My mother.", "It happens.", "Even me, I get calls from strange people.", "Barry Steve.", "Tell her to pay the debt.", "I'm like, huh?", "Imagine.", "Tell her to pay the debt.", "I'm like, listen, I don't know who you're talking about.", "Sometimes you don't know.", "So what do you do?", "You just hang up immediately.", "Myself, I see how you have insulted me.", "Yeah.", "I cancel and I block you.", "That would be the best way.", "Because if you don't, you'd have to come on for 30 minutes.", "Imagine.", "For something you have no idea about.", "My mom was so clueless.", "She's just there like, sorry.", "No, calm down.", "Lady.", "Ah, they never calm down.", "What are you talking about?", "I was so furious.", "Like, I keep finding out who Dame is.", "You're the auntie of Kwamboka.", "If I find that babe somewhere.", "Yeah.", "She's going to learn.", "07-11-046-100.", "What's been your experience with the loan app?", "And please, just.", "You'll recover." ]

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[ "करें पैसा भेजने की कोशिश करें तो कुछ इस तरह से पेमेंट डिक्लाइन बाय यूर बैंक का एरर दिखने को मिल", "की स्टेगान होगा सबसे पहले में अपना", "पैसा फोटो honest पाया सबसे पहले पैसे करने की कोशिश करता हूं मैं � Council दिखाता हूं उसके बाद", "अवेज़ दिखने के मिल रहे हैं जीजिए को में कोई भी एक दोस्त", "बाइसे जैसे अपने सप्ति drives आकर करके मैं सब्सक्राइब कोशिश करता हूं जैसे-सब्सक्राइब दिखने के", "हां सब्सक्राइब करता हूं उसके बाद कुछ इस तरह से एररा दिखने को मिल रहा है मन पेमेंट डिक्लाइंड", "by your bank ठीक है आप देख सकते हैं पेमेंट डिक्लाइन टू बाय यूर बेंड पेमेंट डिक्लाइन कर दिया गए", "बेंक की तरफ से असभीकार कर दिया गया पेमेंट वाज नोट एलाउड बाय यूर बेंक कंटेक्ट यूर बेंक फॉर मोर", "हेल्प भी था श्युक्र साथ अधिक सभी बजाया जा रहा है कि इसका हिंदी हो कि पेमेंट में असभीकार कर दिए", "गए बेंक तरफ से बेंक की तरफ से रुप लगा दिया गया है कि आप पेमेंट नहीं कर सकते हैं एपीएड ट्रांजेक्शन", "आपका अकाउंट है आपका ऑलट है फीररियंस यहीं हो सकता है आपका מ�ік्स करने के लिए इसमें पैसा आ रहा होगा", "कि पैसा नहीं जा पाएगा भेज कर दिया या तो इस समय से आप कैसे कर सकते हैं जैसे कि आपके पास जो innocent", "account है उस account को आपने online खोला है तो आप online इस समस्या को ठीक कर सकते हैं और आप offline", "खो खोला हैं तो आपको branch जाना पड़ेगा सबसे पहली जैसी कि आपका जो भी account है जैसे कि माली", "जैप का स्टेट बैंक account है तो इंडिया post payment bank account है और bank kabodidaya account", "एक अपने एक आपको सबसे पहले एक बात ट्राइक लेंगे अप्लीकेशन पैसे भेजने की पैसा चला जाता है तो ठीक है", "हैं mobile bank application पैसा नहीं जा पा रहा है तो आपको बैंक के जाना पड़ेगा ठीक है और आप ऑनलाइन", "एकाउंट ओपन कि हैं तो आपको मेल करना पड़ेगा उसके बाद आपका समस्या ठीक हो जाएगा एकाउंट आपका ऑन", "परिज कर दिया जाएगा उसके बाद आप पैसे के लेंदन कर सकते हैं आप किसी माध्यम से यूपी दोरा फोन पर गोल", "पेटियम दोरा प्रशिक्षन करेंगे तो ट्रेनेशन एक्सेप्ट नहीं हो पाएगा ऐसे एरर दिखने को मिलेगा फ्रोजन बलॉक", "पर इसे करके रदी करेंगे मिलेगा तो बस आप इस वीडियो में इतना ही जनकारी देखा था वीडियो अच्छा लगो तो वीडियो", "को लाइक एंड चैनल को सब्सक्राइब करें कुछ और जनकारी चाहिए तो जरूर कमेंट कर उसका तुरंत इपलाई मिल जाएगा" ]

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[ "So a quick update on this stupidest Forex card which is called Neo Global card.", "Now the Neo Global FD card.", "Now there have been lot of questions which has been happening and if you have seen my earlier videos I have said that", "I am going to do a kind of an experiment that will tell you whether this card is really worth it or not", "because currently we are in Bali and we thought that we will take you through the entire exercise of using this card.", "See the next part.", "Okay so the Neo Global card. So we are in Velasti beach.", "There are separate videos available, please go and see them.", "If not already available, it will be available soon. Depends what time we load this video.", "So back to Neo Global card.", "Now I was really apprehensive and if you have seen my earlier video I have been telling that I am really not too", "sure how this will work. Hence I have taken and booked my Forex card as I come here along with my Neo Global card.", "Now the problem is that while yeah Neo Global card I gave it on Air Asia flight to buy something.", "It did work. I gave it on where? On KL airport. It was there for some time. It did work.", "I gave it in couple of places but in Bali it didn't work.", "I didn't get it.", "So that's how the usage pattern is concerned. That's one.", "The second part is that see the whole essence wise it's a money blocking exercise.", "I will tell you why.", "Thing is that you open up this card and you get a physical card by doing a minimum FD of 5000 rupees.", "All fine till now. The card will reach you and everything.", "So the problem will start once you start using that card.", "Now while yes sorry I am just trying to fix the place.", "So while yes you will be using this card and what will happen is that they will say for example if you have an FD balance of 5000 rupees.", "You will be allowed to use till 5000 rupees. That's number one.", "Good till now. Here what happens after this.", "You will be then suddenly told on 31st of the month there is a bill which is getting raised.", "So I asked these guys what does this bill you are talking about because I have a 5000 FD and you guys told me that", "I can use it against people.", "So I asked them what is the FD balance and they said no.", "This 5000 rupees remain as my FD balance.", "In order to clear off my so called bill of say 5000 that I have spent or 4500 I have spent.", "They will need another further payment which means that 5000 rupees that you have already created the FD remains blocked.", "And the whole essence of having a typical forex based card is not to create an FD.", "I really don't need an SBM bank or a new global card.", "I can manage FD from somewhere else and get a better rate of interest also.", "So here what happens is that essentially you are blocking your money.", "That 5000 rupees remain blocked and you have to pay one more payment in order to release the block.", "So what I have done of course is that you will see some screen shot if I find I will put it here.", "I have cancelled the card and I have taken out all the FD.", "It will take around 5 to 7 days to reflect in my account.", "So my whole idea is that.", "Thankfully I had kept a lesser amount of money into this.", "Else a larger section would have got hurt because that would have again been blocked and I will lose some blocking fees.", "So what happens is that you cancelled your card and the money comes back to you after 5 to 7 days.", "So you lose interest of that part also right.", "You ought to earn money from that.", "So that's how it is.", "Strictly strictly avoid.", "A clear verdict is to strictly avoid new global card for the time being.", "Especially the FD wala card for the time being.", "And maybe latch into book my forex.", "I have been using book my forex and I really didn't have too much of problem at all on this.", "So yeah that's how it is.", "If you have liked this video give a thumbs up.", "Look into our Malaysia transit series.", "Look into our Indonesia series.", "And I am sure you will find something or the other that is worthwhile.", "Stay safe." ]

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[ "ability to earn cash back from a variety of different options?", "Then this new business card from Chase might be of interest to you.", "Hi my name's Daniel and in this video I'm going to review the new Chase Inc Business", "Premier Credit Card.", "Basically I'll go over what the card offers in terms of benefits and user perks, where", "you can earn the most cash back from and then I'll decide if the card is worth it.", "So if you find this video helpful I'd really appreciate it if you hit the like button.", "And if you enjoy the content why not consider subscribing.", "Okay, so let's jump into it.", "So who is this card good for?", "The Chase Inc Business Premier Credit Card is currently only available to Chase customers", "that have an existing business relationship manager.", "Although it is expected that it will be available to the general public in early 2022.", "That being said, the card will be suitable and most rewarding for businesses that have", "relatively high expenses.", "Next up let's take a look at the annual fee.", "And the Chase Inc Business Premier Credit Card has an annual fee of $195, which is the", "highest annual fee of all of the Inc cards that are on offer at Chase at the moment.", "The Inc Business Cash Card has no annual fee and the Inc Business Preferred Card is", "$95 per year.", "So let's continue on and see what that extra $100 per year gets you.", "Now the sign up bonus for the Chase Inc Premier Card is similar to the Inc Preferred Card which", "is currently 100,000 points.", "And seeing that points are worth 1 cent per point, this sign up bonus is worth $1,000.", "The main difference is that the points that come with this new Premier Card are non-transferable", "to Chase Ultimate Rewards, which is a bit of a bummer as the transfer rate to Ultimate", "Rewards is 1.24%.", "So if you do transfer the 100,000 points from the cheaper Preferred Card you will get $1,250", "in value, or $250 more than what you get with the new Premier Card.", "One benefit is that the spend requirements to receive the bonus points with the new Premier", "Card is $10,000 in the first 3 months of card ownership, which is $5,000 less than what", "the Inc Preferred Card requires to receive its bonus points.", "So it's still a pretty large amount of money to spend within 3 months, but to be fair the", "card is aimed at businesses with significant interest.", "And it's worth noting that there is no cap on how much cashback you can actually earn.", "So to begin with you will earn 5% cashback on travel related purchases that are made", "through Chase Ultimate Rewards.", "You will then earn 2.5% cashback on all purchases that are $5,000 or more.", "And finally all other purchases will receive 2% cashback.", "So if your business has relatively large expenses you can potentially earn quite a lot of cashback.", "Now when it comes to benefits insurance related perks.", "The card offers some pretty decent options.", "A feature that is new for this card is Pay in Full and Flex for Business.", "With Pay in Full you will basically need to either pay off your entire balance each month", "or use the new Flex for Business program.", "And this basically gives you the option of financing your balance over time with interest.", "But I'd recommend paying off your balance as soon as possible to avoid paying any extra", "fees.", "Next up you will get cell phone protection that covers up to $1,000 per claim and will", "allow for 3 claims per year with a $100 deductible for each claim.", "And for this to be valid.", "You will get a cell phone bill with the card.", "You will get trip cancellation interruption insurance that will cover up to $5,000 per", "trip if your trip is cancelled or interrupted.", "And for this to be valid you must prepay your travel reservations with this card.", "There is primary car rental insurance that covers theft or collision damage for most", "cars in the US and abroad.", "And for this to be valid you must pay for the entire rental with the card and then decline", "the rental agency's insurance policy.", "You will get purchase protection that covers new purchases for up to 120 days against theft", "or damage.", "You will get $10,000 per claim and $50,000 per account.", "And finally you will get extended warranty coverage that gives you one extra year of", "warranty on eligible US manufacturers warranties that are 3 years or less.", "So what are my thoughts about the new Chase Inc Business Premier Credit Card?", "Although it has a generous sign up bonus it is a little bit limited compared to other", "business credit cards.", "Its most beneficial perk would be that there are no limits on how much cash back you can", "earn.", "But unless you spend an insane amount of money through your business each year this might", "not be a great card for most people.", "What's worth considering is the Chase Inc Business Preferred Credit Card.", "It has the same 100,000 point sign up bonus but you get the benefit of being able to transfer", "the points to Chase Ultimate Rewards which basically gives you an extra $250 in value", "just from the sign up bonus alone.", "It also has a decent variety of insurance related benefits and user perks and best of", "all its annual fee is only $95.", "And if you'd like to see my review of this card you can click the button up here.", "Anyway that's all I have for now but I'd love to know what you think of this card.", "Do you think it's a better card than the Chase Inc Preferred Card?", "I hope you found this video helpful and as always please like, share and subscribe." ]

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[ "which has been stalled following multiple legal challenges,", "Britain already offers failed asylum seekers £3,000 to return to their home countries if they can." ]

[ 1, 0 ]

[ "what we're going to be talking about today. But before we get into it, make sure to gently tap", "the like button, hit the subscribe button, ring the notification bell, and let's jump right in.", "So this is going to be a pretty quick video today. I'm basically going to go over kind of", "like the origin of student loans, why they've kind of gotten out of control, why they've gotten so", "high, and what you should do about it. First of all, let's talk about how much college is going", "to cost. Now it's going to be slightly different depending on what study you look at or what data", "you look at, but basically the total cost of college if you add in rent and your cost of", "living is going to be somewhere between $80,000 to $100,000 for a four-year bachelor degree. And", "you're also going to go on average almost $40,000 in student loan debt. Right, so that's about $20,000", "$25,000 per year for four years of total cost. Now when I say a four-year degree, a lot of the time", "people are going to end up taking out student loans. So that's going to be a little bit different.", "More than four years for a four-year degree. Sometimes they end up changing their major in", "the third or the fourth year, or they just take a lot longer than it should take in order to get", "that four-year degree. And sometimes that's kind of the college's fault. Now on the high side,", "you do see some colleges charging absolutely ridiculous tuition and fees. So the most expensive", "college in the U.S. at this point anyways is going to be Harvey Mudd College at $77,589 a year.", "Right behind them is going to be the U.S. College of Technology. So that's going to be the U.S. College of Technology.", "University of Chicago and Columbia. But typically for the different types of colleges, what they're", "going to charge is going to be around, you know, for a private four-year college, it's going to be", "$32,000 a year. That's about $128,000 for the full degree. And that's just for tuition. That doesn't", "add in all the other additional fees. For a public four-year college, but you're attending an out-of-state,", "it's going to be about $23,000 a year. So for four years, it would be just under $100,000.", "For a public four-year college, it's going to be $128,000 a year. So for four years, it would be just under $100,000.", "For a public two-year college, it's going to be just under $100,000. So for four years, it would be just under $100,000.", "And for a public two-year college or a community college, it's around $3,400 a year. So if you attended it for two years, it would be $6,000 to $7,000.", "Right, so this data is kind of just giving you a general idea of how much college is going to cost", "and how much you're going to go into debt for college if you do decide to take out student loans.", "This is, of course, just for the average person. Some people have parents that pay for all of their college.", "Some people don't get any help at all. So this is going to change depending on your specific situation.", "Now, let's go over student loans and talk about the things that pretty much nobody talks about but are extremely important.", "So first of all, let's talk about the positives of taking out student loans.", "The reason that this whole student loan system was created in the first place is there were many people who couldn't afford an education.", "Right, so they couldn't afford a job. So they couldn't afford a job.", "They couldn't afford to put themselves through college.", "And so the government made programs to where basically anybody could apply to get into a college and get that paid for.", "However, they had to take out what's known as student loan debt.", "Right, so this whole system was created with very good intentions.", "It was designed to make it to where anybody can get an education.", "This was also back in the day where pretty much the only way for you to get an education was to go to college.", "Whereas today, it's not like that at all. There's many different ways for you to get educated.", "Now, by the way,", "student loan interest rates on these loans, because every loan has an interest rate, of course,", "at least last year, they were about 4.53% for an undergraduate loan,", "and they were around 7% for a graduate or grad plus loan.", "So the loans that you take out if you go to undergraduate are going to have lower interest rates than the ones you take out going to grad school.", "Now, there's actually a lot more to that.", "I made an entire video where I kind of compared those and all the nuances of them.", "And basically,", "the loans that you take out for undergraduate are much better in pretty much every way than the ones you take out for grad school.", "You have more protections, they're less interest rate, there's more things you can do with them,", "there's more ways to pay them off, etc.", "And again, you can just search my channel for that video if you want to check it out.", "I believe I called it like the truth about student loans or something along those lines.", "And then there was another video where I touched on it where I talked about should you go to grad school.", "Now, let's move to the con side of things.", "The way that the student loan system was set up,", "even though it had very good intentions,", "created some unintended consequences.", "When the student loan system was first created by the government,", "only a very small percentage of people had to use it in order to go to college.", "And those that did use it usually didn't use it to pay for all of college.", "It was only a small part.", "Now, more than half of Americans who go to college have to take out student loans.", "And on average, they're taking out around $37,500 in 2019.", "And overall, students owe about $1.8 trillion", "dollars", "and rising.", "This is the highest type of debt out of any type of debt out there except for home mortgage loans.", "It's higher than credit card loans.", "It's higher than car loans.", "And some facts about student loans when you compare it to other types of debt is it has some of the highest default rates.", "On top of that, it can't be discarded or gotten rid of in bankruptcy like many other types of debt.", "There's also less consumer protection laws than other types of loans.", "So for instance, they can take you to court.", "They can seize your wages.", "They can garnish your Social Security check.", "They can get your their tax disability payments all without a court order.", "And like I mentioned before, graduate loans are much, much worse than the undergraduate variety.", "And I'm not saying all this to scare you.", "I just want you to be aware of the reality of what taking out student loans is like.", "And you knowing the truth is going to allow you to approach this situation with caution, right?", "So getting a college degree can be a life-changing experience.", "I've talked about this a lot on the channel,", "but people who get college degrees on average are going to make much more than people.", "who don't get college degrees there's also a lot of other benefits of going to college that are", "outside of making money but with that being said if you are going to take out student loans in", "order to get a college degree you need to be very very careful and the truth is most people who go", "to college you know they're 17 18 years old they kind of think of student loans like monopoly money", "they're not going to have to pay it off for another like four and a half five years probably", "they don't even have to think about it and so they don't really take it seriously and it all goes", "back to basically the way that they set the system up student loans have basically become a blank", "check and this is why student debt growth has grown by 500 since 1999 and it's only going to", "get worse and worse if things aren't changed colleges and the entire student loan system", "is still back in their old you know 1900s way of doing things when in reality there are so many", "different ways of getting educated that shouldn't cost nearly as much but colleges know that getting", "a college degree is actually a very difficult and expensive job for people who are already", "People dream of it all throughout their childhood.", "Parents want their children to get a college degree.", "They know that people are very emotional and attached to it.", "And so they know, especially when you combine that", "with the student loan system,", "that they can basically charge as much as they want, right?", "So I kind of just wanted to go over the pros and cons", "and just give you a very realistic idea", "of whether or not you should take out student loans.", "And really the answer is going to be", "take out the least amount of student loans possible", "for you to be able to attend college.", "Now there's many ways of doing this,", "making sure that you're budgeting,", "you know, living below your means,", "working if you can,", "you know, attending colleges", "that are not ridiculously expensive.", "A great idea is to attend community college, for instance,", "for two years before you transfer to an in-state school.", "That's going to save you a ton of money.", "Getting classes out of the way", "so you don't actually have to take them in college", "and therefore saving the total amount of time", "that you have to spend in college.", "It's actually very easy", "if you plan ahead for you to knock off", "like one year of your college", "and that would save you 25% right there.", "And these are all things I go over in my other videos.", "So if you haven't done it already,", "hit that subscribe button,", "ring the notification bell", "and comment down below any thoughts,", "comments, criticisms, et cetera,", "that you have on the video.", "And I will see you guys next time." ]

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[ "अरे ओ यूपिया एकदम फ्री है फिर किस चीज के चार्जेस", "और वो भी तब जब कस्टमर पेमेंट वालेट के तरू करता है जैसे फोन पे वालेट, पेटियम वालेट", "बैंक टू बैंक यूपिया ट्रांजेक्शन पर किसी को कोई चार्जेस पे नहीं करना", "पर ये चार्ज हमें किसको देना है?", "जिस कंपनी ने आपकी शॉप पर ये QR कोड लगाया है उसे", "और ये चार्जेस हर एक मर्चन के लिए अलग है", "जैसे सबसे कम है फ्यूल स्टेशन के लिए 0.5%", "और सबसे ज़ादा है कन्वीनियन स्टोर के लिए 1.1%", "लेकिन और ये चार्जेस आप हमसे नहीं मांग सकते", "वरना हम कम्प्लेइन कर देंगे", "ये नेहन आपर सबको फाइनल सिखा देगी" ]

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[ "kama, il könnteme za usumba mambo demidenza kutanya", "katika tohi katika majo, tanihile za bali wa pi druga,", "sebone ni aliyo na 32", "wizi, kwa sasa kulivyo w情况zaσεidi wa juhu mbili na", "vyingio kwa majini. Pickupar 2022 niwe introductory", "lakini конi shuditha kcaribu.", "Kwa sasa sile niwezi kufina kifanya nafanyari ya", "mefali wa m thấyo katika w mention ili kujenganywe.", "Kwa hivi, rise r Games polic CEO.", "Glitzu kulibukuhani ya button Body Pour Remember", "iki katika kishifanya kwamba, klasika wangalana", "ambapo Na nina usoribi akanyangana", "Why?", "Kwa hstock wangu ya bank", "Kwa hstock kiwa Cl sog Werk", "Kwa hstock wangu ya bank", "Kufu zaidi wa h는지", "Kwa hinizi kiwa lase", "Kwa hiani kwamba kita zignifitayote", "Kwa fareni wali", "Nivyoryo kwa kushunga", "Sema ya ngenz Discounters", "моментa hatu kama un studenzi", "mina ilipa nkwhilei", "Ara wa Uru Kenyatta", "bila Uru Ngenyatta", "aswa kufangu kwa", "Utonjwa umili", "na njiwaji", "akwa hapotajwa.", "Ni upeoffHoes prophets ni gayao今o sisi mu Logan sawa kwa kama17", "Croannen kab�로 mara ni ingindi ya watolika", "meheza Shin Cross kwenye ambazo ya stock", "Ya kishirika mininga ni ni na kog strange", "Kookiki kwa kinkulidhiwezi kanyaa yizo ni ni wa Ozawa", "hii seega tukeena kwamba tayo ma tiveートa na uh uh na banki sasa nayo", "sabalida kila katsikaganzia ya k nations na ndigote kwenye utani Dead", "vèlani yatake persona karibu ambichali watu waliri wanaidiCS JUST", "kwa kstone natukufanyaUhk", "mehangua viposi ambasa bilaLaisha", "そうですね", "was talking about the chairman of equity bank peter munga who forcefully acquired the shares of", "his long time friend in britain and now they say that the school he owns called pioneer school", "in morana was acquired from a customer who was unable to repay his debt it was used", "as collateral how did he acquire it because the banks will never let you go through constant interest", "wenyea kiwe 2020 ilivioوwa kukifuta za waeli ya k �inlea", "ni unakuwa kuwa taulika hiyo", "Madafanywa kwenye mwazaha kwa", "ch mortala Rmi ni madafanywa wangu mbise za w", "seenye rewind", "samenazuni ja mlamendo wa mkingwa", "konga na 2015", "agadhenza sica ulimaf wingsua", "kwa h were", "앞us manifestatia na wako jama steps tinyayafuwa atajinashiria kufangu unomeo", "ambayo nyingirigmeno diya kwa ni katika ingetumalisha ambao looking", "kwenye vijke kao uat", "maja la chacha maja pla kuwa uutanteza unimeru kwa kila vijikati", "kwaявa kila rikuzayi na haliqula katika Mbook", "Termina", "kwa", "wa kukumbunisha kutabi ulisinari na katika kosa kwa sa merkiti wa kyeah na kuwana powa", "chadda climate Si descendants kutoshepa kut resembana kwa kuwa prayaa", "ambayika mazina wache yama palangi vya logamu yama kuzungêmu kiwatzaji na sama", "mp", "utangalewe wakcription сможend roo na upbleitution", "soсти noiwe kua oo kutumungu yangu.", "Kwa kwa kwa i biggest by", "magharibwa kuhusu kwa,", "kuuwa wachifathinhia nyingiillingi yangu wa", "urally a Alguni umusuku Evanzenzi ya profil Lorambatu", "Laicha amazinga Emoja na ya mt Nossa political", "hama siku塊zo fani nена matamudi fánda waríasona", "mtu vya jamboe sanahtha ya kufanyaliefa nyumbani parti", "ni javyo melisa moonata ya prevailini lakasi unakuamane kwa", "kilwa vyapealibu", "So here this company", "First of all what did they do?", "They used a wrong company physical address", "In the bank statements", "You see if you look at this article", "Monaco's", "Monaco's physical address is listed there", "As somewhere in industrial area", "Is marked in red", "But if you look at this other one", "They are talking about", "Nyota house on Akra road", "The company was not based there", "And standard chartered was still", "Using", "This physical address", "And that physical address", "To send correspondences", "What else? How else did", "Standard chartered involved in fraud?", "Look at this for instance", "This was a board resolution", "By Monaco engineering when they were opening the bank account", "This is a requirement when you are opening any bank account", "All of you know it", "You can see there it's well dated", "26 November 2012", "That's when the company was", "Can we say initiated", "And they opened the bank account in standard chartered", "But what are you seeing here?", "In the bank statements", "In the consolidated bank statements", "That the bank", "The bank statements are saying that", "The company has been", "In existence or domiciled", "In that bank since", "2007", "How did they come up with that?", "You see this is bank fraud", "People are trying to report them to", "To the anti-banking fraud", "To the central bank", "Nothing is happening to them", "Because all of these institutions", "Have been compromised", "They rely on bribes", "All the people who have been employed", "To keep checks and balances", "On these rogue private entities", "That are now calling the shots", "That are now influencing policy", "You understand?", "So let's look at", "Let's look at the statements of accounts", "You look at service fee", "On this page", "Is regards to", "25th or 5th 2013", "You can see the service fee", "The standard fee is at 2500", "During the same period", "The service fee was always at 900", "It was always at 900", "For standard chartered", "Let's look at another page", "Of the consolidated document", "The service fee is", "1040", "1040 yet it's supposed to be 900", "You see this bank", "They are very smart", "Even when they are perpetrating", "Their corrupt and heinous ways", "They are using sportsbooks", "They are stealing 100 here, 200 there", "Because you can imagine", "If they have 10,000 customers", "How much that money will be", "At the end of the day", "So you people need to be checking", "Your bank statements", "You need to be checking your bank records", "Then here you can also see", "This one for 2013", "The same thing, 1040", "And yet the service fee", "Is supposed to be 900", "Now let's look at another discrepancy", "You can see here", "900 shillings for the service fee", "And then 40 shillings for the excise duty", "Which is supposed to be 10%", "So ideally the excise duty", "Should be 90 shillings", "But you can see it's 40", "This is still 2013", "Let's continue", "Now this is the other biggest scam", "The most glaring, the most shocking", "That a bank can be so brazen", "That they can be so brave", "To steal in such a", "Very glaring manner", "Look", "The bank has been charged", "180,000 as an arrangement fee", "For a mortgage loan", "Yet the customer", "Had no mortgage in this bank", "He had no mortgage", "Not a single loan", "As regards to a mortgage whatsoever", "These are the banks that you people trust", "Now here", "Let's look at the", "Monthly service fee discrepancy", "You can see here it's 518", "But the excise duty is 90", "You see", "It doesn't tally", "Now let's look at another now", "Here in scam", "This one will shock the living hell out of you", "Here", "The guy had written a check to somebody", "He had paid somewhere with a check of 400,000", "You can see the check was bounced", "The check was bounced yet", "He had over 8 million in the bank account", "You understand", "The check was bounced", "And it was only 400,000 yet", "He had 8 million in the bank account", "Now why are they doing that?", "Because up there", "You can see they have charged 3850", "Which are bank bouncing charges", "And then immediately after", "Almost like", "You know", "The same day", "They cleared the same check", "They cleared it after they had already", "Deducted the bouncing checks deliberately", "This is standard charter", "These are Mzungu banks", "These are British banks", "I told you these Mzungus are dangerous", "You people worship Mzungus", "You think they are good people", "You look at", "Let me show you now the most dangerous", "Like this bank statement", "You can see", "3rd 5th 2017", "They have charged the monthly service fee", "They have charged it twice", "You understand", "They have charged it twice now", "Let's look at these other dates", "These other dates is 2014", "1st August 2014", "The monthly service fee", "They have charged it 3 times", "3 times", "This is standard chartered", "These are the banks you people trust", "Do you look at your bank statements?", "Who will follow up with this case?", "Will the authorities act?", "No because they are on their payroll" ]

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[ "picked the wrong stocks it could be that too yeah because you could put all this great money into", "something and then it does you'd rather have the coffee right 30 honest 30 shave off the price", "you're like okay that coffee would be really good right about now for my depression you're a great", "example to all of us terry on saving more money oh don't worry i'll find something else to waste", "my money on i always do and i will join you unfortunately we're very much a team in that", "respect" ]

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

[ "जी हाँ सही सुना आपने UPI पेमेंट को ले करके भी Income Tax Department आपको नोटिस भेज सकता है", "तो इसी के सोल्यूशन के बारे में इस वीडियो में बात करेंगे", "UPI पेमेंट का डेली, मंतली, साल का पूरा कितना लिमिट होता है और हमें किन चीजों का ध्यान रखना चाहिए", "जैहिंद मैस आविर खान बात करेंगे UPI पे कितना लिमिट है जिससे कि हमें Income Tax का नोटिस आ सकता है", "और इससे बचने के लिए हमें क्या करना चाहिए", "तो सबसे पहले Disclaimer सुनिये Income Tax Department ने जैसे बैंक को लेकर के एक लिमिट डाला हुआ है कि हाँ एक पर्टिकुलर अमॉंट ही आप कर सकते हैं ट्रांजेक्शन", "वो लिमिट UPI के केस में उन्होंने अभी तक स्पेसिफाइन नहीं किया है और इसी गलत फैमी की बज़र से लोग मन चाहा पेमेंट UPI से करते हैं किसी दोस्ते 50 लाग लिया फिर उसको बापस कर दिया लेकिन Income Tax Department को लगता है कि वो पैसा आपके बैंक अकॉंड में आया है", "तो हम क्या करते हैं? दोजर 25 में भी कर लेते हैं, दोजर 26 में भी कर लेते हैं, यह सोच करके कि पिछले साल या उससे पहले साल तो हमने किया हमें कोई नोटिस नहीं आया तो यह आपके गलत फैमी है क्योंकि Income Tax Department पिछले 8 साल का कभी भी आपको नोटिस भेज सकता है यान", "यह किसी भी एक छोटे से सहरीय गौन से UPI पेमेंट कर रहे हैं, Income Tax को क्या ही पता चलेगा? Income Tax Department तो Bank Account को ट्रैक करता है ना, तो यह आपकी बहुत बड़ी गलत फैमी है क्योंकि Income Tax Department Bank Account को ट्रैक नहीं करता है, वो आपके PAN Card को ट्रैक करता है, यानि कि आपका UPI किसे लि", "लाका करता हूँ, मेरे पास 10 अलग-अलग बैंक के Bank Account है, तो मुझे तो कोई डरने की बात नहीं है, तो यहाँ पे भी यह बहुत बड़ा मीथ है, क्योंकि आपके पास हो सकता है 50 Bank Account हो, लेकिन आपका PAN Card तो एक ही है ना, और Income Tax Department उसी को ट्रैक करता है, गलत फैमी नमर 3 ह", "लेकिन हम News Channels की Headlines को देख करके बना लेते हैं, News Channel Headlines क्या बोलती है कि अगर आपका Income 5 लाग से कम है तो Old Tax Regime के इसाब से आपको Zero Tax पे करना होगा, and New Tax Regime के इसाब से 7 लाग से कम है तो आपको Zero Tax पे करना होगा, Zero Tax पे करना and ITR भरना दोनों में Difference होता है, Example से समझाता हू", "लेकिन ऐसा नहीं है, अगर आपका Income 2.5 लाग से जादा है और 5 लाग से कम है तो आपको ITR भरना होगा, हाँ Tax आपको Pay नहीं करना होगा क्योंकि आप छूट के अंडर आ जाओगे, जो Basic Exemptions का Limit है न, उसके अंडर आते हो तो आपको Tax Pay नहीं करना है पर ITR भरना होगा, कि", "आपको चलते हैं कि UPI में कौन कौन सी गलती नहीं करनी है, सबसे पहले हम बात करेंगे जो छोटे बिजनेस करते हैं, उसके बाद हम बात करेंगे Student के बारे में, तो छोटे बिजनेस करने वाले बहुत बड़ी गलती क्या करते हैं, कि माल लेते हैं कि उनका कोई भी Shop है ये �", "फिर वहाँ पे 2-4 QR कोड उन्होंने लगा रखा हुआ है, और उस QR कोड को Maximum लोग गलती ये करते हैं, कि उनको वो लोग अपने Saving Bank Account से लिंक करा लेते हैं, तो Basic Guidelines यही है कि अगर आपके Saving Bank Account में हर दिन 10,000 रुपे से ज़्यादा आता है, तो मतलब महिने का 3,00,000 से ज़", "आएगा, साल का 36,00,000 से ज़्यादा आएगा, तो ये एक Income Tax Department के लिए Alert हो जाता है, लेकिन आपका Income 36,00,000 नहीं है, Example से मैं आपको बता देता हूँ, आप एक दुकानदार हो, आपको 10,000 रुपे आपके Bank में Receive हुआ, लेकिन 10,000 रुपे का बदले आपने सामान भी तो �", "लोगों को दिया, आपका Profit Margin हो सकता है, 1000, 2000 हो, लेकिन Income Tax Department को लगता है, आपके Bank में जो पैसा आया, वो आपका Income है, जब तक आप उनको Clarify ना करें, इसलिए जरूरी है कि अगर आपके UPI पे 10,000 से ज़्यादा Receive होता है हर दिन का, तो Try करना Current Account पे चले जाना, UPI को Current Account से", "Link कर लो, क्योंकि Current Account बिजनेस रिलेटेड चीजों के लिए ही बनाया गया है, तो Income Tax Department वाले वहाँ पे उस लेवल की", "Scrutiny नहीं करते, जितना Saving Account पे करते हैं, और दूसरी जो सबसे बड़ी गलती चोटे बिजनेसेस करते हैं, UPI को लेकर के वो GST के", "ज्यादा अगर साल का टर्न ओवर है, तो GST Registration करवाओ, अब Example के लिए मान लेते हैं, आपका कोई Furniture Shop है, और एक", "बेट की कीमत आपके कितनी है, 20,000 रुपए है, और महीने में मान लेते हैं, 25 बेट आप बेच रहे हो, ये Example है, आप अपने हिसाब से समझ लेना, ठीक है, तो 20,000 रुपए एक बेट की कीमत है, 25 बेट आपने महीने में बेचे, यानि की पूरे महीने का सेल आपका कितना ह�", "हुआ, महीने का सेल हुआ आपका 5 लाग रुपे का, तो पूरे साल का सेल हुआ, पूरे 60 लाग रुपे का, लेकिन एक बेट के आपको प्रॉफिट कितना हो रहा है, 20,000 रुपे में बेच रहे हो, तो मान लेते हैं", "2000 का profit हो रहा है आपको", "तो एक महिने में आपको कितना profit हुआ", "50,000 रुपे का पूरे साल में कितने का", "profit हुआ 6,00,000 का", "आप क्या सोचोगे कि", "मेरा profit तो सिर्फ 6,00,000 रुपे का है", "लेकिन department जो कि income tax department है", "वो क्या सोच रही है आपके", "bank account में कितना receive हुआ है", "वो आपका income है जब तक आप उन्हें", "clarify न कर दो अगली गलती जो", "छोटे businesses करते हैं जो कि मैंने आपको", "point 1 में बताया है कि वो अपने saving", "bank account से ही QR code को link करके", "रखते हैं और basically अगर आपका", "high value का कोई business है यानि", "कि आपका business छोटा ही है लेकिन", "जो सामान आप बेसते हो उसका दाम", "जादा होता है जैसे furniture के case में", "25,000 कोई-कोई 50,000 एक-एक", "लाग का furniture होता है right", "तो income tax department ने एक नया", "notice जारी किया था और उसमें उन्होंने clear बोला", "था कि अगर पूरे साल में saving", "bank account में 50,000,000 से जादा", "deposit होते हैं चाहे माल लेते हैं", "किसी आपने customer ने आपको 50,000", "और उस customer को आपने क्या किया", "कुछ टाइम बाद return कर दिये", "मतलब बस एक बार आपका transaction हुआ है", "फिर किसी friends ने आपको भेजा", "और आपने बापस कर दिया आप क्या सोचोगे", "अगर आपका high value transaction है", "तो saving account से दूरी रहो", "और अगर गलती से भी कर लेते हो", "50,000,000 से जादा एक साल में", "तो ITR compulsory है अगर अभी तक", "आप इस वीडियो को देख रहे हो तो उमीद करूँगा", "कि आपको कुछ चीजे समझ में आई हो जिससे", "कि आप income tax के notice से बच पाएंगे", "अब हम बात करेंगे student community के बारे में", "क्योंकि बहुत", "export होते हैं student लोग", "iPhone, Friends इस तरीके के चकर में", "Cashback, Watches के चकर में", "हम बहुत सारा transaction करते हैं", "और हमें पता भी नहीं होता है कि", "उपर से income tax वाले हमें देख रहे हैं", "तो कुछ ऐसे transaction है", "जिसको कि avoid करना चाहिए", "इससे पहले कि हम उस पे आगे बड़े", "अब वीडियो को like कर दो और", "अगर हमें follow नहीं किया है", "फेस्बुक पे वीडियो देख रहे हो तो follow कर लो", "यूट्यूब पे देख रो subscribe करो फिनोन को", "अब हम बात करते हैं कि क्या transaction सही है क्या गलत है", "तो एक line में बताओं", "अगर पूरे साल UPI से 50,000 से कम का transaction है", "chill करो कोई दिक्कत नहीं है", "लेकिन अगर आप थोड़े expert type हो", "दोस्तों का iPhone भी खुद online कर रहे हो", "अपने bank account से ताकि आपको gift मिले", "gift watchers मिले", "cashback मिले", "family and friends का भी कर रहे हो", "आपने commission पे online करना सुरू कर दिया है", "तो ध्यान रखना", "अगर ये gift, watchers and cashback", "एक साल में 50,000 से ज़्यादा हो जाता है", "तो वो taxable income होगा", "इसके अलावा दूसरी सबसे बड़ी गलती", "जो लोग करते हैं student community में", "खासकर होता क्या है कि maximum", "student बाहर रहते हैं", "तो अपने friends के family से भी वो पैसे", "अपने bank account में माँगाते हैं ठीक है", "एक time पे तो वो लगता है कि हाँ हम", "help कर रहे हैं लेकिन बाद में वो मुसीवत", "बन सकता है अगर आप उसको income tax", "department को justify ना कर पाओ तो", "मुसीवत कैसे बन सकता है मान लो", "आप किसी बड़े सहर में रह रहे हो अच्छा खासा", "पैसा हर मेने खर्च हो रहा है दस दोस्तों", "का iPhone आप online कर रहे हो", "तो example से समझाता हूँ मान लेते हैं", "कि आप 1%", "commission पे online कर रहे हो या फिर", "दूसरों के family से friends के लिए", "अपने bank में पैसा माँगा रहे हो और", "friends से party के लिए आधा परसेंट एक परसेंट", "commission लेते हो बागी पैसा दे देते हो", "तो पूरे साल में मान लेते हैं आपने", "50 लाग रुपे माँगा लिए और आपने", "एक परसेंट रख लिया या फिर आधा", "परसेंट आपने रख लिया तो आपका कितना income हुआ", "आपका income हुआ 50,000 एक परसेंट में", "और 25,000 आधा परसेंट में", "आप क्या सोचोगे 50,000-25,000 के लिए", "तो कोई tax नहीं बरना लेकिन नहीं", "income tax department को मैंने क्या बोला", "कि आपके bank account में जो भी", "deposit होता है उनको वो income", "समझ लेता है जब तक आप उनको justify", "ना करे ठीक है तो यहाँ पे आपने कितना", "rule तोड़ा ज़्यादा deposit हुआ", "तो आपने GST का दोनों rule तोड़ दिया", "20,40,000 वाला वहाँ पे आप फसोगे", "इसके अलाबा आपने बहुत", "high value transaction कर लिया", "जो कि income tax department ने compulsory कर दिया", "ITR भरना 50,00,000 से ज़्यादा", "वहाँ पे आप फसोगे", "and सरकार को लग रहा है कि यार", "5,00,000, 7,00,000 तक तो माफ है", "आप 50,00,000 कर रहे हो वहाँ पे आप", "income tax department की तरफ से फसोगे", "आपका profit 1%, 1,5%,", "25,000, 50,000 है लेकिन", "फस जाओगे आप इसलिए क्योंकि आपने अपने", "bank account से high value transaction किये है", "चाहे आपके पास कितना भी आया हो", "इसलिए इस तरीके की गलती को avoid करें", "और अगर करना भी है", "good faith में अगर friends के लिए कर भी रहे हो", "तो details रखना और", "ITR file करके उनको दिखा देना कि", "हाँ ऐसी ऐसी चीजें है या फिर आपके पास", "notice आये तो आपके पास proof रहे", "कि आपने अपने friends ये family के लिए ये चीजे की है", "document में वो proof होना चाहिए", "तो उमित करूँगा कि ये चीजें आपको समझ आई हो", "तो अगर आप student हो तो great इस चीज को", "ध्यान में रखना अगर नहीं हो आपके family में", "कोई है तो उसको share कर देना ठीक है", "पूरी वीडियो को अगर एक line में मैं sum up करूँ", "तो बस इतना ध्यान रखना जो भी आपका income है", "UPI transaction उससे बराबर ये उससे कम करना", "उससे ज़्यादा करोगे तो problem होगा", "example से भी मैं आपको समझा देता हूँ", "माल लेते हैं आपका income student हो तो", "उससे कम है ठीक है लेकिन अगर आप अपने", "bank में बहुत ज़्यादा पैसे मंगा रहे हो तो", "income tax department को क्या लगता है कि इन्होंने", "tax नहीं भरा मतलब income कम दिखा रहा है", "और transaction तो 10 लाग 20 लाग 50 लाग का हो रहा है", "तो आपको problem हो सकती है अगर ये चीजे सब समझ में", "बता रहो" ]

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[ "I'm going to be giving you a review on the Chase checking account.", "Over the last few weeks, I have been giving reviews on a few of my credit cards. That series", "is not complete. I'm still going to be giving a couple more reviews on a couple more credit cards", "that I have recently used or recently got, so stay tuned for those. But on one of those videos,", "I did have someone ask if I could give a review on all of my checking accounts because I do have", "quite a few and I open checking accounts in order to get bonuses. Same with the reason why I am", "opening credit cards. I open credit cards more so for different cash back rewards over time,", "but also for the signup bonuses. But when I'm opening up checking accounts or savings accounts,", "it's specifically for the signup bonus. This money earning strategy is not for everybody.", "It can be a little bit of a challenge for some of you, but I'm going to be giving you a review on", "a lot to keep up with. I do have multiple checking accounts and you have to make sure you follow the", "rules or whatever you want to call it so that you're not getting fees. You do have to check", "your account and stay on top of things, but for me, it's worth it. It is, in my opinion, passive", "income and as of right now, the checking accounts that I have opened for bonuses are still open,", "but eventually I may close them. The first video I'm making for this, the checking account series,", "I guess I could say, is going to be about checking accounts for bonuses. I'm going to be doing a lot of", "checking accounts for bonuses today. I'm going to be doing a lot of checking accounts for bonuses today", "is for Chase. I've had this checking account for a little over a year now and at this point,", "I could close it, but I don't really want to quite yet. And I'll talk about why I don't want to close", "it yet, but let's just go ahead and get into it. This video should be pretty short and to the point.", "I did open this Chase checking account in March of 2022 and I'm pretty positive. I did try to go", "back and look for this, but I'm pretty positive that I got an email from Chase,", "this offer and this was after opening the credit card with them so I do have a", "chase credit card review video I will link that in the description box one of", "my favorite credit cards but I believe I got this promo because of having that", "credit card and it was like a year later or whatever so they they promoted it to", "me as I go through this you'll see that the signup bonus was a little bit", "different for me when I open this now I don't know if it was because it was like", "a special promo that they were emailing to me directly sometimes banks do that", "or I don't know if it was just changed at the time they had a better promo than", "they do right now but it's really not that big of a difference so back in", "March or maybe it was February that I first was looking into this I saw that", "if you set up direct deposit with this chase checking account you get $225 in", "in cash to me that is super easy to do you literally just have to", "set up direct deposit for for me this is very simple to do because I just did", "it through my employer I am able to set up direct deposit to multiple accounts", "with my employer and that's pretty standard practice across you know all", "employers or many employers at least definitely check before you open up a", "chequing account for a bonus but I will say that previously my company the", "payroll that they were using was Gusto and now we are using Rippling and for", "both of those I am", "able to use them and I used Rippling a lot earlier in the year and I'm able to", "going to three different accounts. But that's all I did. I set up the direct", "deposit through my employer. It takes less than five minutes. You just type in the", "account number and the routing number for your new checking accounts and then", "once that direct deposit comes through, they will give you this this bonus", "within 15 days and that was definitely the case. I went back and even checked", "because I set up direct deposit and I received it on March 15th and then", "within a couple of days I had $225 deposited. This checking account still", "has this offer but it's not $225, it's $200. So $25 less. Like I said, I don't", "know if this was a special promo just sent to me specifically after opening a", "credit card. Some of y'all could let me know because I know quite a few of y'all", "opened up a Chase credit card after watching my video or you have used my", "link.", "So let me know if you eventually got a promo email offering a better bonus than", "what they typically offer. But you can still get the $200 sign up bonus no", "matter what which, in my opinion, is an easy 200 bucks. Now Chase is a big bank", "so there's some pros and cons to that. When you have a big bank you are", "probably going to have some sort of fees associated with it if you don't follow", "their structure to avoid those fees. So I will get into that in just a minute but", "on the other hand with big banks you if you're the type of person who likes to go", "to the bank branch or go through the ATM anything like that that's an option to", "you. I literally never go to the bank so that's not an issue for me. But with", "Chase that's of course an option for most people throughout the nation. So", "let's talk about that service fee. You would have a monthly service fee of $12", "or it can be $0 if you do one of the following three things.", "So the first thing you could do is have direct deposit set up", "totaling $500 or more per month.", "And this needs to be like a legit direct deposit,", "like an ACH deposit.", "So from payroll or government services, $500 or more.", "Or your balance at the beginning of each day", "needs to be at least $1,500", "or an average beginning day balance of $5,000 or more", "in a combination of this account", "plus your linked savings, checkings,", "or other accounts with Chase.", "That third one is honestly so confusing to me.", "That's why the easiest thing to do is deposit $500 per month", "and you shouldn't have to pay the fee.", "With banks like Chase,", "you're also going to have a overdraft fee", "that's pretty standard.", "So theirs is, let's see, $34.", "But there are some exceptions.", "I can link to that website where it talks about the exceptions.", "Like if your transaction is less than $5 and you overdraft,", "they won't give you an overdraft fee.", "And then there's a few other things that you can read through.", "Of course, the goal is to avoid that.", "But in general, it's important to be aware of all of the fees.", "The other thing with Chase and other major banks", "is that their interest rate is basically", "nothing.", "I think it's 0.01,", "which to me is it's not worth holding money in this account,", "which is why I use this a little bit differently.", "Y'all know that I have quite a bit of savings.", "I have savings in cash,", "but I keep that in my high yield savings account", "because of course I'm earning over 4% in those", "and that is much, much better than 0.01.", "Across all of my checking accounts,", "I aim to keep the balance as low as possible.", "The Chase one,", "I know that right now my Chase checking account", "I checked yesterday is at $2.53,", "but I never pay that fee because I have $250", "from each paycheck going to this account.", "And of course that comes to $500 per month.", "So I've never paid the fee and I just,", "I keep this balance typically below $10.", "So I am still actively using this checking account.", "There's not really any reason per se.", "I just kind of like having my direct deposit", "go to separate accounts because it just separates my money", "and makes things a little bit more exciting for me.", "I see finances as a game.", "So when I know that $250 is going to this account", "and $250 to another account and then the rest to another,", "it just makes things feel like more progress, I guess,", "when I make transactions from this account.", "So y'all know before that I was pulling money", "from this account to put toward my debt.", "And now I've got,", "I've been pulling $250 from it to make an investment on every payday.", "So that's exactly how I use it.", "I have $250 coming to this account on payday.", "And literally on that same day,", "I put $250 to, as of right now, to my Roth IRA.", "In the future, the $250 is going to go either to my savings goal", "or invested to whatever I'm investing in at the time.", "So again, my balance stays at less than $10.", "Sometimes I will also use this account to pay off the balance on my Chase,", "my PayPal account. So I'm going to go ahead and do that.", "If my balance is like $5, $7,", "if there's some random amount charged on my credit card", "and I have that amount sitting in my checking account,", "you can, it's obviously attached because it's the same bank", "and I'm able to use that account to pay for it,", "but that's not very often.", "I just use my regular checking account.", "And for me, that's really it when it comes to Chase.", "I do really like the credit card.", "I don't have a problem with the checking account.", "It's not where I keep the bulk of my credit card.", "I don't have to pay for it.", "it wouldn't be a problem to me.", "I use bank of America.", "And as long as you are doing what you need to,", "to avoid those fees and avoid those overdrafts,", "then you should be fine with the larger banks.", "Chase does have a mobile app.", "I really like the app.", "This is what I log into most frequently to check this checking account,", "as well as my credit card.", "You can see both accounts on under one app.", "It's going to show as like a summary,", "and then you can click into either or.", "The other great thing about this checking account is that they have a referral program,", "which is obviously beneficial to me.", "When I make these videos,", "I do try to share my referral link because it supports me,", "supports my channel.", "And I do hope that if you found anything valuable from this,", "then you would use my referral link if you want to open this account,", "but no pressure.", "So that will be linked down below.", "And if you click that link,", "you'll see that you would still get that $200 sign up bonus.", "And then I would get that $200.", "So you could share your link with your family and friends and receive $50 as well.", "If you're into credit card hacking,", "I definitely think you should look into checking account hacking or whatever you want to call it.", "Just a way to increase your income throughout the year,", "even if it's a little bit.", "I think trading about 20 minutes total of my time is worth $200.", "And you can also get that $200 within a couple of days.", "then this is definitely a great option.", "Of course,", "please do your own research and make sure you stick to that direct deposit so you can avoid the fees.", "Otherwise you could close this checking account after you get the bonus.", "I'm never sure about how long you need to keep an account open in order for that bonus to actually be yours.", "So I just like to play it safe and at least keep my accounts open for a year.", "But I've actually never closed any of the checking accounts that I've opened.", "So I'm not sure if that's a good thing or not.", "But yeah, that's really it for the Chase checking account.", "Like I said, my referral link will be linked down below.", "I would greatly appreciate if you use it if you're interested in this account.", "I do have a few more checking accounts to make review videos for as well as some credit card review videos.", "But if you have any questions,", "feel free to leave those down below or share if you have this checking account and what you think about it.", "Thank you so much for watching.", "Please.", "Subscribe if you haven't already and I'll see you in my next video." ]

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[ "तो दोस्तो आज की इस वीडियो में मैं बात करने वाला हूँ", "UPI के दो major problems की बारे में", "तो दोस्तों अगर आप एक UPI app यूज करते हो पेमेंट्स के लिए", "चाया वो Google पे हो, फोन पे हो, Amazon पे हो", "या कोई भी other apps हो जो की UPI basis पे चलता है", "और आपका transaction को UPI के दूर कमप्लीट कराता है", "तो अगर आप ऐसा कोई भी app यूज करते हो", "तो अगर आपका transaction को पेमेंट कर रहे हो अपना दोस्त को", "या किसी relative को या किसी अनजान अदमी को भी आपको किसी को पेमेंट करना है", "तो आप जो की है UPI app से पेमेंट कर रहे हो", "अपने UPI app से ठीक है", "और payment क्या होता है कि आपके account से कट जाता है", "और उदर जो की transaction fail आजाता है ठीक है", "मतलब की आपका transaction है वो fail हो जाता है और आपका account से पैसा कट जाता है", "और वो पैसा जो की है आप wait करते रहते हो पैसा आपके पस वापस नहीं आता है", "और आगे वाले बंदे को भी receive नहीं होता है", "जिसको आप भेज रहे थे उसको भी receive नहीं होता है", "तो फिर आप बहुत ज़्यादा परिशान हो जाते हैं कि भाई आपका पैसा कहां चला गिया", "अब मुझे पैसा मेरा वापस कैसे मिलेगा", "एक case तो यह रहता है ठीक है", "दो टाइप का case बहुत सारे लोगों के साथ होता है", "तो लोग बहुत ज़्यादा परिशान हो जाते है", "तो दोनों case के बारे में मैं बात करने वाला हूँ", "कि इसका जुगी है आप solution कैसे करके कर सकते हो", "और यह भी मैं आपको बताने वाला हूँ", "कि आपका पैसा के 100% सेफ है यह नहीं है इस cases में", "तो सबसे पहले मैं आपको यही बता देता हूँ", "कि पैसा आपका सेफ है यह नहीं है", "तो देखिए चाहे वो UPI transaction fail का case हो", "या UPI का payment successful हो गया हो", "जैसे लेकिन सिरि पैसा आपके account से कट गया है", "और वहाँ पैसा पैसा 110% सेफ है", "पैसा यहाँ नहीं होगा", "पैसा पैसा जो आपके account में समझ नत्यवान है", "पैसा आपका कोई पैसा नहीं हो गया", "इसलिए पैसा जो आपके account से नहीं हो गया होगा", "आपने यहां से की हैं 10,000 मतलग सबसे पहले", "कौन तरह की पेमेंट करना है", "आपने 10,000 का amount डाला है", "ओर UPI PEAN डालकर आपने पेमेंट कर दिया", "पेमेंट में थोड़े दिर Loading लिया", "लोडिंग लिया", "दबार उसके बाद की है", "उदीर लिखा गई की", "transaction फेल", "मतलब कि transaction आपका fail हो गया उधर error आ गया और आप देखते हो कि भाई आपके account से message आ गया कि आपके account से 10,000 पे cut गया और आप अपने statement भी check करते हो तो उधर भी दिखा दे कि भाई 10,000 cut गया और 10,000 वापस भी नहीं आया क्योंकि transaction तो fail हो गया तो पैसा तो cut आ दे वापस आ जा", "जाता है आपके account में ठीक है कितने बार होता है कि message खली कटने का आता है आपके phone में पर जो", "पैसा जो वापस आता है उसका कोई message नहीं आता है तो आपका अपना passbook चेक करना बहुत ज़रूरी है आप कहीं पे भी", "सब कमप्लेन करने जाओगे उससे पहले ठीक है तो कभी भी जो कि है आप गूगल पर या कोई भी पेविंट साइट का जो", "हिस्टरी रहता है पेमेंट इस स्टील उसके ऊपर एलाइज मत करना कभी भी एंड मैसेज इसके ऊपर भी रिलाइज मत करना", "है अब सिम्पली क्या करना अपने passbook quietly करने जो आपका बैंक प्राप्त बॉक्स आज कल सभी बैंक का ज्योहर", "ओंपर औनलाइज चेक और पसंद सकते हैं कि आप सबको पता होगा तो आपका जो भी बैंक में अकांट तो उस बंक जो", "आज बुक आप ऑनलाइन पहले चेक कर लेना अच्छे से देखना कि अगर पैसा नहीं आया है तब जाकर ही यह सब स्टेप्स को", "फॉलो करना तो देखिए तो सबसे पहला चीज है कि टाइमलाइन इसका रहता है अगर आपके ट्रांजेक्शन फेल हो गया और", "आपका एक आउंट से पैसा कट गया आगे वाले बंदे को रिसीव नहीं हुआ तो यह पैसा जो कि है आपको वापस मिलेगा", "ठीक है वह आगे वाले बंदे को वापस नहीं मिलेगा क्योंकि ऐप ने तो क्लियर लिए दोस्तों कर देखिए ट्रांजेक्शन", "ले ले तो आपको यह पैसा वापस मिलेगा पर आपको अभी तक पैसा वापस मिला नहीं आप पास 10 मिनट 15 मिनट वेट कर", "लिए तो देखिए इसमें जो कि है बैंक टाइमलाइन ले सकती है 23 दिन का ठीक है दो से तीन दिन दो से तीन वर्किंग डेज", "में भोल सकते हो ठीक है जिसमें कि संगुल नहीं होता है विकाय ही हा हाई सेटरी थे विकाय होता है वह", "होलिडज बगरह रहता है जिससे कि को तयार वगर चल रहा है उसका छुट्टी है तो सबका ऑट नहीं होता है ठीक है", "की है यह सबसे पहले आपको कम्पलीन करना है जिस पेमेंट प्रोवाइडर से अपने पेमेंट किरें मालुआ अगर आपने", "चुकें गुगल पेसर पेमेंट किया है ठीक है अब यूज करते थे मलो फोन पर यूज कर रही है गुगल पर यूजना", "लगेगा ठीक है मानला गूगल पर फोन पर एमजोन पर जहां पर यह कंप्लेंट करके बताते हो उनको कि आपका जो पैसा", "है कट गया है और अब तक रिफंड भी नहीं आया उसका और ट्रांजेक्शन भी फेल्ड है तो लोग जो कि है आपका दो तीन", "पैसा है मेरे को वापस करवाइए ठीक है और आजकल से राज्या के गाइडलाइन भी आ रहा है कि बैंक अगर टाइमली", "कस्टमर का पैसा वापस नहीं कराते जैसे कि दो यह तीन दिन का टाइमलाइन रहता है अगर उस टाइमलाइन के अंदर", "अगर फैल ट्रांजेक्शन को पैसा वापस नहीं कराते तो उनको कुछ पेनलिटी भी लग सकता है बैंक को ठीक है", "वैसे तो बैंक आपको देंगे नहीं पेनलिटी उसके लिए आपको और आगे जो फ़र्डर प्रोसेस हो करना पड़ेगा उसके बाद", "तो बैंक को कमप्लेंट करना पैसा नहीं आया तो लोगों को देखने को मिल जाता है तो यूपी आपका इसकी शोर्ड", "दिखा देना जो ट्रांसेक्शन तफिल हुआ अगर वह लोग आपका पैसा रिफर्ंड करा पाते हैं तो करा पाते हैं नहीं तो आपको", "इसके बाद जो मिला स्टेप लेना है लास्ट क्वेंट क्लियर है कि आपको और वे한� ऊंबासमान में कमप्लइन करना ठीक है", "अगर आपको ऑनपड सार्ट्सएन में कमप्लेन करना नहीं आएगा मुझे कमेंट करना नीचे मैं उसके ऊपर एक सेपरेट वीडियो", "गांव आपको मैं सिखा दूंगा कि ऐसे गए है कि अब आप याद पांवर कमप्लेइन कर सकते हो जहां अपने आरबिया में कमप्लेन", "दिया तो बहुत बैंका शुक्रि है हवा निकलने लग जाता है ठीक है बैंक जो कि है इधर फटा फटा आपके ट्रांसिक्शन", "पर action लेने start करेगा फटा फटा जो आपका पैसा है वो return कराएगा और जहां RBI में complaint किया ना तो आपका जो पैसा है ना वो fine के साथ return होगा मतलब कि penalty जैसे RBI का कुछ guidelines RBI ने निकाल रखा है कि मतलब कि bank अगर इतने दिन में आपका पैसा वापस नहीं करता है तो उसके पर penalty च", "बाइबुजे compensation चाहिए तो वो लोग को बैंक को देना ही पड़ेगा ठीक है तो बैंक खुद ही नहीं चाहते", "कि RBI तक case जाए उससे पहले bank solve कर देते अगर आपके साथ ऐसा हो रहा है आपको bank बहुत ज़्यादा परिशान कर रहे हैं", "तो आप लास्ट टेप जो कि है आर्बीआई में कंप्लेंट करोगे तो आपका जो पैसा है वह एंड्रेड प्रेसेंट आपको आपस", "मिल जाएगा और हो सकता है कि आपको जो कि है उसके साथ इंटरेस्ट पेनल्टी वगैरह भी आपस मिले ठीक है तो यह तो", "आपको ट्रांजेक्शन फिल्क कस्त्र बना दिया और दूसरा किसी होता है कि आपका जो पैसा है वह अपने सेंड किया", "सग्राम र 재미ा बंदे को आगे वाले वन देखो रिसीव नहीं हुआ और आपको जी कि है कैफ्ट में शो कर आ दिया कि", "जो है इस क्वेश्ट में आपको एक घंटे से दो घंटे ही मेंटिंग करना है आपको ज्यादा वेट नहीं करना है ठीक", "है क्योंकि यूपि आज उस सिस्टम रहता है उसमें इंस्टेंट ट्रांजिक्शन होता मतलब आपके अकाउंट पैसा कटेगा", "दूसरे अकाउंट में जो है सेव्हू आपी के सनी अकाउंट हो या दूसरे किसी पैंक में आपका व्यंट लुट पैसा इंस्टेंट", "जाता है ठीक है तो पर ज्यादा वेट नहीं करना है एक से दो घंट Champs.com और उतना भी आप नहीं करते थे चलेगा", "क्योंकि इंस्टेंट ट्रांजेक्शन होता है तो अगर आपने किसी को पेमेंट सेंट किया इधर आपके एप में सक्सेसफुल दिखा दिया आपके आकाउंट से भी पैसा कट गया आगे वाले बंदों को रिसीव नहीं हुआ है तो आप सबसे पहला स्टेप यही करना है कि आ", "बैंक को वह अपने बैंक में कंप्लेंट देगा कि भाईया आगे वाले भलाना बंदे ने जो कि मुझे पैसा दिया था और मेरे", "पास कि अमाउंट का पैसा भी तक आया नहीं है और आप जो कि है उसको स्क्रीनशॉट भी सेंट कर देना जिस बंदे का पैसा", "भेज रहे थे जिसको आपका पैसा रिसीव नहीं हुआ उसका प्रिंट बेट देना जिसमें कि आपका सक्सेसफुल ट्रांजेक्शन", "दिखाया हुआ है ठीक है उसमें जो कि है एक ट्रांजेक्शन नंबर वगैरह भी मिलता है तो वह अलार्ट जो कि", "उनको दे देना आई थिंक यू टी आफ नंबर बोला जाता है योटी अर्मर होता हुआ टेक्स्ट वॉल्ल्ड ट्रांजेक्शन का", "जो पूरा पेज रहता है उसका स्क्रीनशॉट लेकर भेज देना तो जो कि है स्क्रीनशॉट दिखाकर अगर अपने बैंक में", "ट्रांजिक्शन नंबर वगर रहता है ठीक है और आगे वाले बंदे के अगर बैंक अकाउंट में पैसा रिसीव नहीं हुआ तो उसकी रेस्पॉंसिबिलिटी है वो स्क्रीन शॉट लेकर उसको सबसे पहले बैंक में कम्पलेन देना पड़ेगा अगर बैंक वाले नहीं मान", "पेनल्टी वगर अगर लगना होगा कुछ तो लग जाएगा ठीक है तो मतलब कि आरवे तक जो किया ना बैंक मामला पहुंचने नहीं देते उससे पहले ही सल्टा देते हैं पर अगर आपका पैसा फिर भी नहीं मिल रहा है बैंक वाले आपको परिशान कर रहे हैं तो आप", "होता है वह बैक टू बैंक कि होता है मतलब कि आप आप जीस्स में और कांट Прав का आपके बैंक शुरू कि है जिस बंदे को आप कांट में पैसा भी उसय उस बान देकर पेस्टर जिता ठड़ी यह नहीं है कि Google पर बीच में पैसा रोकेगा या फोन पर पीछे पैसा रोकेगा", "वाला है बहुत अच्छा है यह लोग हेल्प करते आपके टीम Raymond ट्रांजेक्शन सब्सक्राइब करते है लोग का", "पैसा रहता ही नहीं र Joy", "अगर तरफ decpvac.com", "segas", "इसके मतलब इनफॉर्म करेंगे जब आप इनको कंप्लेंट करके बताते हो कि मेरा जो पैसा है मैंने भेज दिया नहीं", "मिला या आपके पास पैसा नहीं आए इस केस में ठीक है तो यह खली वह हेल्प करते आप ठीक है पैसा कभी भी", "फोन पे पास नहीं अटकता है या कोई भी एमेजोन पर यह जो भी आप यूपी ऐप्स ले लो इन लोगों के पास पैसा नहीं", "फसत है कि यह लोग जो कहले एग्रीगेटर का काम कर रहे जब ट्रांजेक्शन और बैंक टो बैंक ही होता है ठीक है तो या", "आपका बैंक ट्रांजेक्शन करता है या आगे वाले बंदी बैंक करता है उसी दोनों के बीच में भी मैसेज फसत है तो", "आपका जो दल है You are not been here subscribe to", "my YouTube Channel", "subscribe", "and", "कि मैं बात नहीं कर रहा हूं ठीक है तो यही चीज है जो मैंने आपको स्टेप्स बताया उसको फॉलो करना और आपका अगर कोई भी फसावा पैसा है पेमेंट फेल्ड का ट्रांसक्शन फेल्ड का या मतलब कि आपका पेमेंट सक्सेसफुल आपने भेज दिया आगे वाले क", "और जैहिना" ]

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[ "क्या हो गया तू ऐसे क्यों कर रहा है", "मैंने गलत यूपियाई आईटी पे दससा सारोपे वेज़ दिया", "मुझे भेजने आता बिनो थूक एट देरेट बाई बिल पे", "मुझे मेरे पैसे बापस चाहिए कोई उपाय बता दो", "अरे अरे तू परेशान मादो तेरे पैसे बापस मिल जाएंगे", "तेरे पास तीन तरीके हैं", "पहला जो तूने ट्रांजेक्शन किया है उसका मैसेज तेरे फोन में आया होगा", "और उसमें एक हेल्प लाइन नमबर होगा", "सबसे पहले तू उसे कॉल कर और अपने ट्रांजेक्शन को रिवार्स करने बोल", "अगर इस तरीके से भी तेरी प्रॉब्लम सॉल्व नहीं होती है", "तो तू अपने बैंक को एक रिटेंड कम्प्लेंट कर दे", "और अगर सामने वाले का एक ओन सेम बैंक में होगा", "तो तेरा बैंक इस पैसे को इजली बापस करवा देगा", "और अगर सामने वाले का एक ओन aldiyah cvc का अकॉन पैसा बचने बैंक में होगा", "तो तुझे उस बैंक को भी रिटेंड कम्प्लेंट देना जाना होगा", "प्रस्तुति प्रस्तुति" ]

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[ "ुखनेट्स", "नमस्काम", "आम pert �ंवद", "✜", "उसमें चाहेंगा", "✧", "해इबार", ",acारण", "✧", "रहे हैं और उनका नाम सेम आने से हम गलती से उसको पेमेंट दुबारा गलती से रिप बेच देते हैं तो इस कंडीशन", "में आपको क्या करना चाहिए जिसे आपका पेमेंट आपके पास वापिस रिटर्न आ सके आप अपना वापिस जो रिफंड ले सके", "उसका पूरा तरीका बताऊंगा आपको कहां पर इसकी सिकायidez करनी है किस परकार से आप सिकायेद कर सकते हैं और", "आपकी सिकायत करने के बाद आपको किस प्रकार से पेमेंट रिफंड मिलेगा उसका मैं पूरा का पूरा तरीका आपको", "डिटेल में मतौंगा आपको रिपोर्ट करने की पूरी की पूरी टेकनिक बताऊंगा आपको वीडियो को अंत तक देखना है मैं", "आपको पूरा टेंबल एक चीज बारी की से विश्वस्थित करके समझाूंगा कि आप आसानी से रिपोर्ट करके आप अपना", "तो आपको क्या करना है सबसे पहले जो गंग से भार्षियों की website है उस पर चलना है आपको गए प्रोशेस कर", "सकते हो सबसे पहले अब है नॉट करते हैं यहां पर क्लिक कर रहे हैं तो अपने सामने क्लिक करते हैं तो आप", "पर आप जैसे ही click करोगे, तो आपके द्वारा", "जैसे click किया जाएगा, जैसे मैं click कर रहा हूँ", "थोड़ा procedure धीमे है", "तो आपको भी time लग सकता", "इसमें, लेकिन आपको मैं पूरा", "प्रोसेज करके बताओंगा, कि किस", "परकार से आप इस प्रोसेज", "के द्वारा आसानी से अपना पेमेंट रीफ़ंड ले सकते हैं तो अपने सामने जो ये NPCI की website ओपन हो रही है", "अपने को क्या करना है इसके नीचे की तरफ स्क्रोल करना है website के नीचे की तरफ आप इस जैसे ही स्क्रोल करोगे", "तो मैं आपको पूरी प्रोसीजर करके बताऊंगा कि किस प्रकार से अपना रीफ़ंड ले सकते हैं जो आपका गलती से पेमेंट किसी दूसरे के अकाउंट में चला गया है", "यानि कि आप पेमेंट नहीं करना चाहते थे एक डिजिट गलत लगने से आपका यूपीआई ट्रांजेक्शन गलती से दूसरे के अकाउंट में चला गया है", "इस्से मैं पेमेंट कुछ बनिए ट्रांजेक्शन दें तो मेरे सामने एक उस्टूअम ढोर है जिसी मैंने कंप्लाइन पर क्लिक किया तो मेरे सामने एक पेज ओपन हो रहा है तो है", "अपने देखते हैं क्या आपके सामने ऑफिस यूपीएड इस पैसे रेडिसल मेकनिजम ठीक है तो अपने को इसका ना नीचे", "की तरफ स्क्रॉल करके आना है और यहां पर आपको जो ट्रांजेक्शन का ऑप्शन दिखा दे रहा है कंप्लेंट में वहां", "को क्लिक करना है जैसी वहां पर आप लीव की करोगे तो आपके सामने जो ऑफिस ने कुछ रहा है उस वे अपने पहला", "है इफलार प्रमुख चिन्हार आफ को क्या करना पर शनेंद पीछते यानी कि आपको ध्यान रखना है अगर आपने किसी वेक्ति", "इससे व्यक्ति को पैमेंट बेजा या उपयांट में जुवार में पैमेंट किया तो आपको करना है version टो परसेंट और अगर", "आपने किसी मर्च इंच पे अकाउंट किया तो आपको करना है पासंटू मर्ची तो आप द्यान रखना है यह चीज बहुत", "इंपोर्टेंट है आपके लिए तो आपको क्या करना यहां पर प्राशन्तू परसंग तो लिखना फिर आपको सब्सक्राइब द तो", "अपने अ क्लिक होना यानी की थे पेमेंट इपोर्ट थे यानी की गलती से दूसरे और मर्ग यहां ने के बाद", "जो आपके श्यावक डिटेल डीटील शो कर रही है यानि कि कमेंट में आपको जो भी आपकी जानकारी है वह पांच", "सोमट में डालने फिर आपको क्या करने जो ट्रांजेक्शन आईडी होती है वह आपको फोन में मिल जाएगी यहां है", "यह आपको ट्रासेक्शन आईडी डालने ऑक्टिशन आईडी डालने के बाद आपको क्या करना है जो भी युप्या है फोन पर", "टेविस गूगल पर सब लग-लग ट्रासेक्शन A ait होती है जो आप चेक करके आसानी से यहां पर डाल सकते हैं", "फिर आपको करना स्लेक्ट बैंक यानि कि आपको बैंक सेलेक्ट करना है जो आपकी बैंक है जो भी बैंक है", "सब्सक्राइब लेता हूं जैसे मेरी सब्सक्राइब लेता हूं और सब्सक्राइब 26 भाई जो भी आपकी बैंक आप आसनी से", "कर सकते हैंゲय С� harti St Public इंडिया ठीक यूज़ कर लिया तो मेरी एक्सवेयर अगर कहीं बार क्या होता है", "कि यूपी नहीं आकर वीपीआ होता है जो कि वर्चुअल पेमेंट एड्रेस होता है वीपीए तो आपको क्या ने वीपीए से", "भी डाल सकते हैं अगर आपके पास यूपीए ऐडी नहीं है तो आप भी डाल सकते हैं ठीक है फिर आपको क्या करना निश्चे", "की तरफ अमाउंट डालना है जितना पेसा आपका गया है 10,000 15,000 जो भी आपका पेमेंट गया था वह पेमेंट यहां", "पर डालना है ठीक है पेमेंट डालने के बाद आपको निश्चे की तरफ स्टॉल करना फिर आप देट ओफट रिस की", "आपका जो पेमेंट ह पीष को सथ हुआ था तारीख आपको यहां पर कहने की के तारीख बिल करने के बाद आपको क्या", "जाना है तारीफ फिल करने के बाद आपको प्लीज एंटर यूर मैल आईडी आनि कि आपकी उपनी मैल आईडी ड्रॉप करनी", "यानि कि मैल आईडी का मतलब होगा अगर आपका पेमेंट रिफरंड होगा तो आपके पास मैल से सूझना आ जाएगी या", "योग होगा तो आपके पास जो यूपी है एनपीस यह उसके दौर आपको सुचित कर दिया जाएगा फिर आपको नीचे आगे आपको", "बता रखा गाइडलाइन और उसके बाद आपको क्या करना है आपको यहां पर समविट पर क्लिक कर देना है इसका मतलब है कि UPI है NPCI है उसके दोरा आपके पेमेंट को चेक किया जाएगा उसको अगर ऐसा लगेगा कि गलती से कोई पेमेंट आपका चला गया तो 10-15 दिन के अ", "सवाय के बाद आप के किया जाएगा अगर फिर भी आप सुनिवाई इसराएगी ग्रोस तो आपके गणार relational website वहां जाकर judge webrsite", "वहां जाकि आप अपनी कंपलेंट nfc के खिलाफ कर सकते हैं और आप अपना पेमेंट रीफरंड ले सकते हैं वीडियो अगर", "लगा तो अधिक से अधिक दोस्तों तक", "सेर करें ताकि जो इस परकार से इशू आ रहा है", "उससे आप बच सकें अपने प्रिची तू", "आप आसानी से बचा सकें और इस परकार", "का इशू किसी के अगर आ रहा है", "तो गुगल कस्टमर के नाम से सर्च करके", "कभी goal ना करें क्योंकि उसमें पूरी तरीके से एक cyber scam होने के chances हैं तो आज के लिए बस इतना ही" ]

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[ "फोन पर उसे पेमेंट करते हैं तो यहां पर एकाउंट रिलेटेड इशु लिख करके चलाता है जहां पर यह लिखता है", "यूपी आई पेमेंट्स आर नाट इलाउड ऑन एदर योर एकाउंट टाइप और द रिसीवर एकाउंट टाइप ठीक है इसके अलावा", "प्लीज कोंटेक्ट यूर बैंक फॉर मोर इनफॉर्मेशन इफ मनी लेफ्ट फ्रॉम यूर एकाउंट यू विल विडिवर्न्ड", "मिल हो जाने की बैक भी आ जाएगा अगर पैसा कटा होगा तो जैसा कि मैं यहां पर फिर आप लोगों यहां पर पेमेंट", "करके दिखा रहा हूं जैसे मैं यहां पर एक रुपया का पेमेंट � societies रामि क्यों फिर से वही फिर स्राज सामने", "मैं दे सकता हूं तो मैं चलिए इस बंदे का अपने फेनो फेनो का जो मर्चेंट ID है मर्चेंट यानि कि मिठा", "इडियो इसे में चेक करके देखता हूं किस बंदे कि अकाउंट में क्या ही प्रॉब्लम है तो आप यहां पर देख", "करें रहा है", "यहां पर माइनर 2s पर", "बोल रहा है", "यहां पर", "जो है उसा को हो जाने increasingly", "करना पड़ा है", "प्रॉब्लमेंट हो अगर आपके पास यही प्रॉब्लम", "देखने के लिए मिल रहा है तो आप correct", "आपको देखिए कि वाइसी अपडेट कराना पड़ेगा तभी आप लोग आए यहां पर काम करेगा फोन पर अदरवाइस काम नहीं", "करेगा तो मैं इस बंदे का चलिए मैं यहां पर कि वाइसी कर दे रहा हूं ठीक है और कुछ ऐसी करने के एक दिन", "बाद भी उसका जो है फोन पर काम करना शुरू कर देगा अगर देखिए बेसिकली बात करें यह प्रॉब्लम इसलिए आ", "रहा है क्योंकि इस बंदे का देखिए माइनर एकाउंट था यानि कि 18 साल से जब कम इस था तभी इसका एकाउंट ओपन हुआ", "था फीनो पेमेंट बैंक में बावर भविष्य एकाउंट के तहत लेकिन अब उस बंदे का उम्मर जो है 18 साल से ज्यादा", "हो चुका है ठीक है इसलिए यहां पर रिएक वाइसी करने के लिए बोला जा रहा है ठीक है इसी टर्म्स में अगर माले", "लिए जो कहा स्किन होता है इसलिए हर दो साल में डेढ़ साल में सभी बैंकों का अलग-अलग रूल नियम होता है", "ठीक है 2 साल में डू बैंक अपडेट करानी पड़ेगी आप लोगों को जिससे आप कंटिनुअर मशली आप लोग इस प्रोफिस का", "तक जो है कि आप लोग आसानी से जो है पेमेंट ओग्रा भी कर पाओगे ठीक है और यहां पर अगर कोई भी अगर आपको", "प्रॉब्लम आता है का उस लेकर तो आप लोग मुझे कमेंट में बताएं और हम लोग फिर किसी नेक्स्ट में एक नए अपडेट", "साथ तब तक के लिए बाय बाय" ]

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[ "All of the links I've mentioned today will be in my stories or in the highlights.", "I'll leave a link in bio as well so you can check it out.", "I've divided all my credit cards with social security number without social security number.", "If you're a student with social security number, you go for Deserve and Discover.", "That's $80 in bonus.", "If you're a working professional, of course, you have social security number.", "You start with American Express and Chase Freedom.", "That's $275 in bonus.", "And then you go to Built. That's for rental.", "And then you go to Capital One.", "Or you can go with Sapphire Preferred.", "This has less fees.", "But even with more fees, Capital One has more benefits.", "And it zeroes out overall.", "With now social security number, if you're a student, you have no credit history.", "You go with the Deserve $30 bonus.", "With Indian credit history, you can go through Nova Credit and apply to an American Express card and get the $75 bonus." ]

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[ "account. I asked for 30,000 rupees from my father when everything had gone south. That was the debt", "I had to pay because credit card company was actually making my life hell. They were calling", "me ridiculously every single day and night. Yes, you read the title right. I was actually going to", "give up. But something stopped me. Here this video, watch this video right till the end. And", "I promise it is going to have an impact on you. If you are about to give up, or if you are struggling", "through something right now. This is a very honest account of my own life of the past two years of my", "life. And I feel this is a very inspirational story. I am a YouTuber today, people know me,", "and I am a YouTuber. So I am going to give up. But something stopped me. Here this video, watch this", "video, watch this video. So I am going to give up. But something stopped me. And I am going to give up.", "And I am an educator. Students know me. But I was none of this. A few months ago, I was none of this.", "And I was working very hard to become this. But I was not there. I was working from years and years", "and years. I had started off with a business of mine. We are not going to get into that what it", "wasn't what was it all about no nothing like that all i just want to say here is that i started with", "it and it failed and i was down by at least 10 12 lakh rupees which i had borrowed so there was a", "debt and more than the debt there was this emotional burden of failing and this was all", "happening after me clearing ca so many people think that if you have a strong degree in your hand", "nothing wrong can happen to you and your life is sorted forever that's not true that's not really", "true coming back my business failed and i wasn't doing anything else i had no job i had no money", "and i can tell you exactly how much i had when i started again i had 4200 rupees in my account", "and i you may feel that i'm rich but trust me guys i'm not i was not", "i am not i don't know because now i earn but i wasn't i wasn't rich i come from a very humble", "middle class family and i was not rich and i was not in a situation to ask for money but i did ask", "i asked for 30 000 rupees from my father when everything had gone south and there was no other", "option i had to begin somewhere again and that is when i asked for my i asked my dad for 30 000", "rupees that is how i started again and that was again i mean", "this is like four years ago this is not recent this is four years ago or no three years ago or so", "okay and then again i started working and things weren't working out by the way i took and i", "borrowed money to pay off my credit card stuff um you may be thinking i mean why how come 30 000", "is the only debt she had to take care of no that was the urgent debt that was the debt i had to pay", "because credit card company was actually making my life hell they were calling me", "ridiculously every single day and night and my living had become difficult so i had to give them", "something to set them off for some time so that is why i borrowed that money and i was working but i", "wasn't making anything much and that is how things were going on and they went on that way for almost", "two and a half or three years or so and this is going to be my third year on youtube but in the", "first two years nothing was happening i barely could cross 10 000 subscribers after one and a", "half years of my youtube journey which is a lot of money and i was not able to make any money", "which is not a very big number by the way so it started off that way and um uh for almost two", "years no youtube happening and people were treating me not in a good way because they", "knew that somewhere this girl needs needs the help so they could figure it out probably i was", "very needy and i showed myself needy and they could see it and when people know that they take", "i um they they don't pay you well when they find that out about you so that was something that was", "really really hard for me i worked with me i worked with many many many people during those two", "years two three years and none of them were paying me well i was being terribly underpaid and the", "reason was that i wanted to do something again of my own i could have entered a normal job but i did", "not want to do that i had a ca degree in my hand but i did not want to do that because i knew that", "if i go back to that life i will never be able to come out of it and that was not something that i", "wanted to do", "i kept on trying i kept on trying i worked for almost i don't know some 10 12 15 people during", "those two years i was working with so many people one after the other because something or the other", "used to always go wrong sometimes they would not pay me sometimes they would hold my checks back", "and sometimes they would just blame me for some poor performance or something a lot of stuff", "happened a lot of things happened so anyway uh this was december", "2019 my sister was getting married and i remember a chat with my other sister the one who was not", "getting married and i told her that i'm deeply insecure and i don't know if i am doing anything", "at all right with my life nothing was working out i was gaining age and i of course i mean you don't", "you want to be successful as early as possible and of course as time passes none of us are going to be", "successful and none of us are getting younger right and uh so so that is something that i", "discussed with her i asked her am i doing anything right here i mean is it gonna really work for me", "ever and that was something i asked her and uh she said this to me i remember she said that uh", "you know what bhaji she calls me bhaji she said she says a very nice thing which i did realize", "about myself later on she said that bhaji you are a person who takes very courageous decisions but", "then the the courage that you need to follow through your decision when you've taken a decision", "and now you are executing your decision that courage you don't have you lack that courage", "so either you decide on doing something or you don't decide on doing something i mean you decide", "on not doing something and then you stick to it why are you so jumpy why are you always this and", "that if you've taken a decision you've taken a bold decision you've got to stick to it if you've", "taken a decision you've got to stick to it if you've taken a decision just do it you've got to be call nåd", "it. That is what she told me, which actually hit me. It hit me hard and probably she's", "watching my video because she's a subscriber of my channel. She often watches my videos", "by the way. So I open up because that was something that I did realize about myself.", "I did realize that about myself, but nobody had ever told that to me. And because of which", "I probably wanted, I probably needed not wanted, but needed to hear that from someone to give", "myself a little assurance. And when she said this to me, I did agree that, yeah, my decisions", "are courageous. I've taken bold steps in life and now I need some more courage to follow", "through my decisions. And then that is what I did. 2019 December, nothing was working", "out, had no money. I was, I was, I will not say paycheck to paycheck because I was blessed", "to be living in my own house. I did not have rent to pay, but had I had rent to pay, I", "don't know how I would have managed.", "That. So that was 2019 December. And I, I, this is slightly, um, what do you call it?", "Superstitious or probably you will feel that this is a small fantasy she's having, but", "really I do feel this way that something changed with my God. I think he saw it. He saw it", "that this girl is about to give up. And if I don't listen to her now, if I don't answer", "her prayers now,", "she's going to break and whatever we have in store for her, really, I do believe that", "I'm really, really, really saying this to you. He had so much to give me so much to", "give me, but I was about to give up. And because I was about to give up, he could have never", "been able to give it to me. So he had bigger plans for me. Getting my point. He had huge", "plans for me, but I think.", "Okay.", "We don't talk. You see only I talk. He listens. He doesn't talk back. So I don't know, but", "this is my heart saying this to me. I think, um, something changed in him. He said that", "if I don't give her now, probably we are going to lose a gem because I'm a gem. I do believe", "that I have a beautiful heart and I don't need to hear this from anyone. I know that", "about myself.", "I have a beautiful heart and if I will do anything good in my life, I'm going to share", "that joy. I'm not going to only, and only keep it to myself. So probably that was one", "thing that changed my God and he decided to finally break it free. And then suddenly from,", "I don't know from where there was this video of mine that I shot in June or I don't remember.", "I shot it in June. I believe somewhere in March, April or June. I don't remember. But", "that was in the first half of 2020 during the COVID times, my video picked up. Okay.", "That video went viral and there were, um, some 1 million views or so within the first", "two, three months, suddenly my channel, it went from 25,000 subscribers. And now you", "watch the number, the count over there. So this is all the count that I have gathered", "in the last, uh, eight or nine, seven or eight months, nine months, maybe. So my video is", "it's not been a year. I'm pretty sure it's not been a year. It's been seven, eight months.", "And from 25,000 subscribers, it, the channel picked up and it went from 25,000 to 5,000,000,", "45,000. Can you believe that 5,000,000 45,000 it's unbelievable. Yes. It's unbelievable.", "But I was not, I was not an overnight success. This has taken me seven, six or seven years.", "People do believe that about me sometimes, but I'm telling you, it has been a very long", "journey. The point of this video is that I just wanted to share this with you that when", "I was about to give up, that is when things changed for me and they changed so beautifully", "for me today. I am so grateful.", "Okay.", "I don't want to say a lot because I feel a little scared talking about it. It's like", "a dream. It's like a dream. So I just want to share this with you. And I just want to", "say this to you. If you are somewhere indecisive, you are scared. You don't know where your", "life is going. Probably wait a little longer because had I not waited, had I not tried", "harder, I would have never gotten here.", "Okay.", "So let's talk clip two.", "Some of the things I'm going to tell in the video are mine.", "But the first two things I'm going to share", "with you are my way of showing gratitude, Norm, and my hidden reputation as либо or", "whatever I may call it.", "And some of them were very posted from YouTube at some point", ".", "So I worked there, I wrote a little bit of a song in terms of my brand.", "It is my hard work. I don't care what people say. It is my hard work. And I'm so proud of myself.", "So proud of myself. Till the time the success lasts. I don't know till when it is going to last.", "Till the time it lasts, I am enjoying it. I am just living it. I'm enjoying it. And I urge you", "to do that for yourself. This is one life you've got. Pamper yourself with some hard work. Pamper", "your dreams with some sweat and blood. You don't know where the results are going to come in from.", "But the day they come, your life is going to be so awesome. That is all that I wanted to say to", "you. And I'm so excited sharing this video with you. Can't wait to upload it. Alright guys,", "thank you very much. Just wanted to bring this small little, little, what do you call it? I've", "said the word message. I don't know how many times but wanted to bring this small idea to you.", "That when you are about to give up, that is the moment you have to push yourself harder. Try a", "little harder. And just don't give up. Don't give up because if you're a dreamer, you deserve good", "things. Let them come to you. Let your God feel that you know, ab nahi diya na toh ye chali jayegi.", "Ye hamare haath se nikal jayegi. Don't let that. I mean, don't let that thing stop you. Okay. And I", "believe I strongly believe that my God actually taught that, that if I don't reward her now, I'm", "gonna lose her. And I'm gonna just let her go. And she's so important. Stop her. Alright, bye.", "Take care." ]

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[ "everyone should have in their credit card setup.", "So here's everything you need to know about the Chase Sapphire Preferred before applying", "and why now is the best time to pick up this card if you haven't already.", "This card has a $95 annual fee, but as you'll find out, there's plenty of ways that you", "can make up for that fee and get far beyond $95 in value.", "First off, the welcome bonus for this card has recently been increased to 80,000 ultimate", "rewards points after spending just $4,000 in the first three months.", "When I got my Chase Sapphire Preferred, I think the welcome bonus was like 60,000 points.", "So like I said, now is definitely the best time to apply for this card.", "The 80,000 point welcome bonus is worth $1,000 when redeemed towards travel.", "So that basically means that everything that you buy to reach that 4,000 in the first three", "months is essentially 25% off.", "So in addition to the welcome bonus, there's a few other ways that you can earn points", "on this card.", "So this card will earn 5x points on all travel purchased through the Chase Ultimate Rewards", "portal.", "It'll earn 2x points on other travel purchases.", "3x points on dining, including eligible delivery services, takeout and dining out.", "3x points on online grocery purchases.", "3x points on streaming services.", "And 1x points per dollar spent on all other purchases.", "These cash back rates definitely make it a solid card to use for eating out or if you", "get online groceries.", "I also use the card to just pay for my Spotify subscription and a few other streaming services.", "But the real power comes when you utilize this card for its travel benefits.", "So first off, just by having this card,", "the Chase points that you have or even the ones that you've earned with other Chase cards", "will automatically be worth 25% more when redeemed towards travel booked through the", "Chase portal.", "Now what if I told you that those 80,000 points could get you even more than $1,000 in value?", "Well, that's definitely possible because with the Chase Sapphire Preferred, you can transfer", "your points at a one-to-one ratio out to a long list of travel partners like World of", "Hyatt, Marriott Bonvoy, United Airlines, and Air France.", "With some clever redemptions through the right travel partners, you could turn those 80,000", "points into over $2,000 in value towards flight or hotel purchases.", "And you also get various other benefits like trip cancellation, interruption insurance,", "auto rental collision damage waivers, and lost luggage insurance and more.", "Now the magic really starts to happen when you pair the Chase Sapphire Preferred with", "other credit cards to help you earn even more rewards.", "The two cards that I would recommend pairing with the Chase Sapphire Preferred are the", "Chase Freedom Flex and the Chase Freedom Unlimited.", "The Chase Freedom Flex will earn 5% back on rotating quarterly categories.", "The Chase Freedom Unlimited will earn a flat rate of 1.5% back on all purchases.", "So you can use those two cards to earn most of your points on your daily spending and", "then take those points and redeem them towards travel using your Chase Sapphire Preferred.", "That way you'll get that 25% point boost or you can transfer those points out to different", "travel partners and potentially get even more value.", "Even if you only travel once or twice a year, I think it's basically guaranteed that you'll", "get positive value out of this card.", "And like I said, now is definitely the best time to apply to this card.", "You'll have that increased welcome bonus of 80,000 points.", "And if you are interested in applying and you gain some value from this video, I would", "appreciate it if you use my link down in the description to apply to this card.", "I also have links to the Chase Freedom Flex and the Chase Freedom Unlimited if you're", "interested in those two.", "So once you start saving up some points, maybe you've gotten that 80,000 point welcome bonus", "from applying to the Chase Sapphire Preferred, it's now time to start redeeming your points", "and traveling the world for free.", "But I know a lot of people can kind of get overwhelmed with redeeming points because", "you know, you really want to maximize the value.", "Sure, it's kind of complicated.", "There's all these different travel partners.", "You know, what should you do?", "What should you use your points on?", "But don't worry, I put together a full in-depth guide for you on how to maximize the value", "of your Chase Ultimate Rewards points.", "So if you're looking to book some travel, maybe plan that upcoming summer family vacation", "and you really want to maximize the value of the Chase points that you have, definitely", "watch my video right here.", "As always, do something that your future self will thank you for." ]

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[ "It's Eddie here with LifeIsABlog.com.", "Got some ranting and some raving to do today.", "I don't know if any of you guys have a prepaid debit card, but this rant and rave is going", "to be about a website called AccountNow.com.", "These guys are based from a Bancorp bank, if that tells you anything.", "This is going to be my review on them.", "My fiance and I have been using them for about 5 or 6 months now.", "We recently moved out of town.", "We had to cancel our bank account because the bank that we had when we lived in the", "other town is 150 miles away and they don't have a branch anywhere close to here.", "It was a hometown bank.", "So we researched online.", "We should have done a little bit more in depth research because of AccountNow.", "Let me tell you what, we'll get right into that in just a second.", "So what happened was.", "I went to the ATM to withdraw $20 for gas for my car because when I went to swipe the", "card at the gas station, their bank swipey thingy, whatever you call it, it wasn't working.", "So what I did was went to the ATM across the street from the gas station.", "That way I could withdraw the $20 bill so I could put gas in my car.", "So I could get the work done.", "Well, the ATM ate my card.", "Yeah.", "The ATM just must have been hungry or something.", "I don't know.", "So.", "Sometime around that time.", "A day after or so, my fiance was trying to log into the account to request a new card.", "Our 14 month old daughter was climbing in her lap and made her submit the wrong password", "two times.", "Not three.", "Two times.", "Locked us out of the account.", "I don't know.", "Um, so now we have to order a new card from them, which is all fine and dandy, but we can't get in the account to money gram ourselves money tomorrow when our checks go through so we can buy our 14 month old daughter food, diapers, milk, gas for our cars to get to work.", "So we call this company and we say, Hey, what's the quickest way to get this done so we can log into our account, order a new card, money gram ourselves some money tomorrow when our checks come through so we can take care of our family.", "You know what the average American does? Take care of their family with their money that they've earned working anyway.", "Um, so they say, all right, you got to fax, uh, fax us these documents. Um, we need your driver's license. We need the front of the card.", "Yeah. After we've told them.", "That we need a replacement card because the ATM ate the card.", "They still want us to fax in the front of the card. So my fiance, uh, she's pretty aggressive on the phone. I wouldn't want to be on the other end of it.", "But anyway, um, they finally said, okay, proof of address, social security card, driver's license. Not a problem, right?", "Of course their fax machine is down. Oh, who would have thought?", "Seriously? Their fax machine's down.", "A company that relies on their security of documents to be sent to them via fax machine.", "This large company that's supposed to be based in California, but I can never get an American on the line.", "I get people with the name Ben Benjamin, Angela Angelica.", "Come on.", "So tomorrow when our checks come through, we're not going to be able to touch the money for an estimated five days.", "Five days.", "Anybody ever taken care of a kid with no money that needs diapers and food and gas?", "Gas isn't free.", "Neither are diapers and food.", "Do you want me to go to the store and steal some shit?", "Really?", "And blame it on account now.", "Honestly, I give account now one out of five stars.", "Don't ever use them.", "We've spent and had deposit of over 10 grand on that card in three months.", "10,000 dollars.", "They never verified us then.", "So, I mean anybody can go drop 10 grand on a card, unverified.", "You lose your card, then they gotta verify you.", "I mean it's not enough to send them and I, you know.", "It's not enough to...", "give them your social security number.", "It's not enough to verify", "three,", "not two, not one,", "but three", "security questions.", "It's not enough to prove to them", "that you can log into your account.", "I understand.", "People are taking security to a new measure,", "but it's going around in circles", "and there's nothing that we can do about it.", "Now they just get a hold on to our money", "because in order to get a new card,", "we have to send them", "a picture of the front of the card", "that is lost", "or stolen by the ATM,", "a picture ID copy,", "and a copy of a social security card,", "and a copy of proof of address", "to a fax machine that doesn't work.", "Anybody else have any problems with accountnow.com?", "Let's hear them in the comments.", "Don't forget to subscribe.", "Again, check out", "www.accountnow.com", "www.lifesblog.com", "Also check out my new blog", "www.iphoneblogging.com", "Don't ever use accountnow.", "Any company owned by Bancorp,", "don't use them.", "Peace, guys." ]

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[ "and you know that there's clubs that want to spend right now, if you were looking at ways to", "improve the caliber of player in the league, improve the roster across the board,", "are there changes that you would make to how we're doing it? And how would you go about it?", "Would you just lift it all and impose a salary cap? What do you think is the ideal situation", "for MLS? Because I'm constantly saying we need to spend more money, but beyond that,", "I don't know what the fuck I'm talking about. I think that MLS has all these rules and all", "these guardrails because they are generationally traumatized about what happened with the NASL.", "And they're also traumatized by what the finances of soccer outside of the United States", "looked like for a very long time, up until very recently, where before UEFA,", "and these leagues started instituting financial regulations. Every club in La Liga had gone", "bankrupt except for Real Madrid and Barcelona. We know what's going on with Barcelona right now.", "Even today, you look at Welcome to Wrexham, and the entire conceit of that show is,", "if we don't win the league, we lose all of our money. We cannot pay back our debts.", "And that is an insane financial setup to be in,", "for a business where only two clubs a year can recuperate their expenses.", "So I think there's always going to be concern in sports where you have two teams that need to", "compete to make sure that the teams that are not winning are still able to financially exist.", "So I think there's always going to be a need for some financial regulation,", "something to sort of...", "Keep the reins in." ]

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[ "पैसा ट्रांसफर करते हैं या बिल पेमेंट्स करते हैं और आपका जो है पेमेंट बार-बार फेल्ड हो जाता है", "यानि इसी तरीके का अगर आपको बार-बार मैसेज देखने को मिलता है तो इसे आपको कैसे ठीक करना है इस वीडियो", "में हम आपको बताने वाले सबसे पहले हम आपको बता देना चाहते हैं दोस्तों यह प्रॉब्लम जो है आपके बैंक का सर्वर", "CREَY TOLERANT तो जैसे कि दोस्तों यहां पर प्रेस करें हम यहां पर किसी को भी पैसा ट्रांसफर कर रहे हैं Perhaps", "हमें बार-बार ही मैसेज देखने को मिल है तो इसे आपको ठीक कैसे करना है हम आपको बता रहे हैं चले एक बार", "यहां पर हम आपको और यहां पर लाइट दबाते हो चाहते हैं हमें क्या मैसेज देखने को आ रहा है किसी को भी", "मैसेज scar कर रहा है तो जैसे कि यहां पर आप देने कंडी यहां पर आपको ख्याल सब्सक्राइब करें हम आपको", "सकते हैं तो आपका जो भी बेर्ग होगा यहां पर आपको देखने को मिल जाएगा जैसे कि हम plan of implies rubbing", "credit क्लिक इसके बाद यहां पर सेट ही हमारे सामने बहुत सारा आप सदम देखने को मिल जा रहा है यहां पर", "option आपको देखने को मिलेगा manage UPI ID यहाँ पर आपको करना होगा click इसके बाद यहाँ पर आप देख सकते हैं आपका यहाँ पर जो भी UPI ID होगा यहाँ पर आपको first में देखने को मिल जाएगा", "अब देखें दोस्तों यहाँ पर आपको नीचे में बहुत सारा bank का UPI ID देखने को मिल जाएगा आप जो भी bank का UPI ID अपना हिसाब से रखना चाता है आप चाहें तो select कर सकते हैं", "बेंक कर लेना चाते हैं तो यहाँ पर plus all आइकन पर कर देंगे click इसके बाद यहाँ पर आप देख सकते हैं कुछ time लग सकता है आपको यहाँ पर UPI ID आईड होने में यहाँ पर जैसे कि आप देख सकते हैं अपना UPI ID जो है आईड हो चुका है अब चलिए हम यहाँ पर एक", "बात इसके बाद यहां पर आप देख सकते हैं पेपर करेंगी क्लिक तेप पर क्लिक करने का आदमान यहाँ पर आपको लोकेशन के पान आपको कर देना होगा इसके बाद यहां", "ही बहुत हसानी से आप जिसको भी पैसा भी जाना चाहते हैं आप बहुत हसानी से भेज सकते हैं बिना किसी प्रॉब्लम", "करना तो फ्रेंड हमें आपको बीडियो पसंद आए बीडियो पसंद लीतू प्लीज लाइक कर दिजा चैनल पर पहली", "दिलाया तो सब्सक्राइब कर लीजिएगा मिलते हैं हम किसी और ऐसे नेक्स्ट वीडियो में तब तक के लिए बाय" ]

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[ "They know how to utilize an HSA account.", "In an HSA account, you and your employer can contribute tax-free money and let it grow tax-free.", "You can leave this money into this account and use it for medical expenses like glasses or get your annual checkup.", "Or you can do what you will do, which is keep the money, don't spend it, invest the money in index fund,", "expect a 7% return rate, and at retirement, take the money out tax-free.", "Now you're rich." ]

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[ "Jennifer has a question.", "She says, why is someone trying to sell me a TFRA?", "I think she means tax-free retirement account.", "And what is the benefit to this?", "Does she call it a tax-free retirement account?", "Because.", "That is what Daniel and I think she means.", "I will be fully honest.", "So I'm going to go benefit of the doubt here, right?", "Right?", "We love Roth tax-free.", "See, why are you going to steal my thunder?", "Could you not see the build-up I was doing here?", "He was about to just set that up.", "I had an entire narrative.", "Keep going.", "I was going to do a thing.", "I'm sorry.", "Preach.", "You know what?", "I'm sorry.", "Why did you do that?", "Tax-free retirement accounts.", "We love them.", "We love them so much.", "We make them step five of our financial order of operations.", "Roth IRAs.", "It is truly a tax-free retirement account.", "And then if you include health savings.", "Health savings accounts.", "Those are also tax-free and they can be used in retirement.", "So we love those.", "Now, here's the great news.", "There was a catch there, though.", "Nobody has to sell you that.", "Were you about to say that?", "I was about to say.", "She used the word somebody's trying to sell me.", "Most people.", "Vanguard's not out there going.", "Fidelity Investments is not out there going.", "Hey, we have these Roth IRAs.", "They're going hot.", "You better get in here quick.", "That's exactly right.", "So a tax-free retirement account that you can go open for yourself is a Roth IRA.", "Or go open up a health.", "Health savings account.", "And those are wonderful.", "And you don't have to have someone sell them to you.", "You don't have to pay commission for that.", "What she's probably talking about, I'm guessing, is some sort of insurance product.", "Or some sort of tax-free annuity.", "Where you can build up assets in that.", "And you can borrow money at some future point.", "And it's going to be technically tax-free to do that.", "That is an entirely different thing.", "And I would not actually call that a true tax-free retirement account.", "Yeah.", "Because the only way it's tax-free is if you.", "You basically die with it.", "Yeah.", "Because otherwise you might be getting married to this insurance product for the rest of your life.", "Because think about the fact.", "To do what they always share in these tax-free insurance products.", "Is you build up.", "You overpay for insurance while you're young and healthy.", "So this cash value can build up in the background.", "And then where the tax-free comes in.", "Is you can take exactly what Bo said.", "You can take a loan from that cash value.", "But the problem is.", "Now once you take that loan from the cash value.", "What happens if you get to be late 70s, early 80s.", "You have a huge loan.", "And the cost of insurance is still building in the background.", "Because you're older.", "You know.", "Unfortunately we're all going to die at some point.", "So the cost of insurance knows inevitably that this policy will pay out.", "What if you burn too much of the cash value.", "Now the policy kind of implodes.", "And you create a big tax liability.", "It's no longer a tax-free thing.", "I don't like that.", "I'm trying to build financial independence.", "And financial independence to me means you have no encumbrances.", "Nobody who can tell you what wins.", "And that's.", "And what about.", "What do you think the insurance company.", "If you're overpaying for this insurance in your 20s.", "To build cash value.", "What's the insurance company doing with that money?", "They're investing it.", "So why not take out all the middle people that are in the middle.", "You know.", "Taking this.", "Paying commissions.", "Because usually those insurance commissions.", "There's a reason they can afford to have the sales force.", "Why don't you do that?", "Just do what the insurance company's going to do.", "If you need insurance.", "Go buy term life insurance.", "But then go and invest.", "In these Roth.", "True tax free growth opportunities.", "Like Roth IRAs.", "Roth 401ks.", "Health savings accounts.", "You don't need an insurance agent to make that stuff happen.", "Here's your litmus test.", "To protect yourself against the insurance agent.", "Go download our free deliverable.", "Go to moneyguide.com.", "Slash resources.", "Download the food deliverable.", "Brian hold it up.", "You should not even be thinking about these types of products.", "Until you've worked through.", "Until you've done your Roth.", "You've done your HSA.", "Until you've maxed out your other retirement available options.", "In your 401k and 403b.", "And it's only at that time.", "When you get to step seven of the financial order of operations.", "Would you even almost theoretically think about utilizing a product like this?", "And then you've got to lay it side by side.", "And say.", "Does this product make sense for me?", "Or is it just a regular taxable after tax brokerage account makes sense for me?", "What are the costs?", "What are the fees?", "What's the incentive for the person sitting on the other side?", "What's the other side of the table for me?", "And what's ultimately going to be in my best interest for the goals that I want to achieve?", "And I find that most people when you work through that process.", "At some point in there.", "You will disqualify this insurance or annuity product.", "Because it likely does not make sense for you.", "Go download also.", "Moneyguide.com.", "Slash resources.", "The eight questions to ask a financial advisor.", "Because insurance agents fall into that category too.", "And if they tell you.", "When you say.", "How do you get paid?", "And they're like.", "Oh you don't pay me anything.", "The insurance company pays me this.", "And you'll be like.", "Wait a minute.", "No.", "I'm still paying you.", "Even though the check's coming from the insurance company.", "It's through the premiums.", "Probably close to 100% of that first year premium.", "Is going to the insurance agent.", "Just ask those questions.", "Why not?", "Just be transparent.", "Find out what's going on.", "I think that will help you make the better decision.", "Love it." ]

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[ "मैसेज आता कि मेरे अकाउंट से 94 पाउंट यानि कि लंडन पर ट्रांजेक्शन हो गया है यह फ्रॉट राजिटीट किस", "विजय मुझे मेरे पैसा वापस मिले चलिए पता करते हैं सबसे पहले मैंने अपनी बैंक के हेल्प नंबर पर कॉल किया", "यह बताया कि मेरा ट्रांजेक्शन फ्रॉट था उनसे स्पेसिफिकली जो रिपोर्टिंग करिए उसका सर्विस नंबर लिया ताकि", "रिक्वेस्ट नंबर मेरे पास रिकॉर्ड हो जाए रिक्वेस्ट नंबर और यह सारी कॉनवर्जेशन में रिकॉर्ड करा था अपने", "इंट्रूफ के लिए नेक्स्ट मैंने अपने क्रेड कार्ट को ब्लॉक करवा दिया ताकि और कोई ट्रांजेक्शन ना हो", "सके आरीबा का रूल कहता है कि अगर आपने विधिन तीन दिन अपना ट्रांजेक्शन बैंक को रिपोर्ट कर दिया कि फ्रॉट", "झाल" ]

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[ "but we need to find out if it's still worth it.", "So we're going to walk through the features of the card,", "and I'll also share my real life experience with it", "over the last eight years I've been using it to see if it's actually still worth getting.", "Now, let's see how many times I can say Quicksilver in this video.", "Leave a comment down below with your best guess, and let's get right into it.", "So this was actually the first credit card I got back in 2015,", "and it holds a special place in my heart.", "I originally got it because my buddy told me that they gave 20%,", "yes, 20% cash back on all transactions with this tiny company at the time called Uber.", "They were offering this as a marketing tactic since they were so small back then.", "This was before you could ride with not one,", "but two complete strangers in the car with you with Uber Pool.", "Those were the days, man.", "Anyway, that perk was beyond amazing since I had just moved to DC,", "where you either had to rely on the Metro,", "which,", "broke down constantly,", "or call an Uber.", "I can't tell you how many times I had to evacuate the Metro because it would randomly catch on fire and fill up with smoke.", "Okay, it was only twice,", "but that's still way too many times.", "So of course,", "I quickly switched to Ubers and I racked up a ton of rewards thanks to the Quicksilver.", "Now that deal is long gone,", "but there is another reason why I got the card.", "The Quicksilver is one of the few good cards that you can get with low to no credit.", "Since this was my very first credit card,", "my credit score was,", "basically,", "and this was one of the few I could even apply for.", "To this day,", "you can still get the Quicksilver with as low as a 550 credit score,", "but you'll have way better odds at 600 or higher.", "If you're not quite there yet,", "don't worry,", "I got you.", "There's another card called the Capital One Quicksilver One,", "which,", "silly name aside,", "it's almost the exact same as the regular Quicksilver,", "minus a few features.", "So let's talk about those.", "The main feature of the Quicksilver is you earn unlimited,", "1.5% cash back on all purchases.", "This is pretty good,", "especially when you consider that this might be one of the few cards you can get,", "like it was for me.", "There are definitely higher rewards cards out there,", "so if you're looking for a better option,", "check out the Citi Double Cash or the Wells Fargo Active Cash,", "which gives you 2% instead of 1.5%.", "There's also one of my personal favorites,", "the Chase Freedom Unlimited,", "which gives you between 1.5% and 5% in points that you can use for travel,", "among many others.", "Links to all three will be down below,", "and all are strong competitors if you're just interested in rewards.", "Speaking of rewards,", "the Quicksilver comes with a sign up bonus of $200 after spending $500", "within the first three months of opening your account.", "That's pretty easy to hit,", "especially in this economy.", "Two months worth of dining and groceries will get you there easy,", "making this one of the best sign up bonuses for the amount that you need to spend.", "Next up, you get 15 months of no interest on purchases.", "I use this to make sure that I'm not spending too much money.", "I use this feature to pay for real estate renovations on a similar card,", "where I got rewards, purchase protection,", "and I didn't have to pay it off for over a year.", "So it's great if you're looking to finance a larger purchase like a laptop, TV,", "or loading up on some home goods from Bed Bath & Beyond's bankruptcy sale", "that just started a few days ago.", "You also get 15 months of no interest on balance transfers as well,", "but this is something that you should only use sparingly", "since they charge a 3% fee on whatever balance you transfer in.", "So if you're between a rock and a hard place", "and are unable to pay your current credit card debt,", "this will help, but it's not a get out of jail free card.", "The $0 annual fee is by far the best reason to get this card", "since there's no long-term downside to getting it.", "So if you get it and want to lock it away in a dungeon,", "go right ahead if you're into that stuff.", "It will lower your credit utilization, which is good,", "which will increase your credit score, which is also good, at no cost to you.", "That is basically what I do with the Quicksilver.", "Now, mine is the dungeon stuff.", "Next up, the card has no foreign transaction fees for traveling outside the US.", "I personally use this card exclusively when I would travel to Europe and Mexico", "back when it was one of the only cards I could get.", "So most other cards will charge you around 3% on each foreign transaction,", "which will add up real quick.", "Many other cards with no foreign transaction fees are premium travel cards", "that require a high credit score and have an annual fee.", "So getting this perk on an exception,", "an accessible credit card like the Quicksilver, is very clutch.", "This one is relatively new.", "You get 5% cash back on hotels and rental cars booked through Capital One Travel,", "which is their travel site that's basically like Kayak or Expedia.", "So obviously, I would like to see this include flights as well,", "but getting 5% back on at least some travel expenses is really powerful,", "especially for an accessible card like the Quicksilver.", "So to put that in perspective, the Amex Platinum nets you around 5% back,", "and the Chase Sapphire Reserve nets you around 4.5% back", "when booking similar travel on their own travel sites.", "And those cards have way higher annual fees at $695 and $550,", "while the Quicksilver is zero.", "So the Quicksilver is up there.", "Now, those other two are premium cards that have tons of other benefits,", "so you can't directly compare them, but it is an interesting little nugget of info.", "This next perk is temporary and will probably be a little bit more expensive,", "So you can get a free Uber One membership for a month,", "which gets you 5% off rides and deliveries, as well as $0 delivery fees.", "That is pretty solid for a free perk,", "so try and time this during a period where you'll be using Uber and Uber Eats", "to get the most out of it.", "You can also make purchases on PayPal and Amazon with points,", "but a lot of credit cards these days also offer that.", "There are other perks with the Quicksilver that come and go,", "so I would check the benefits two or three times a year", "to stay up to date.", "So now we need to figure out if the Quicksilver is worth it,", "and there's four main reasons why you would want to get this card.", "So number one, if you want the $200 sign-up bonus.", "Number two, if you want to use the 0% interest period to pay for a large purchase.", "Number three, if you want the no foreign transaction fees", "for traveling outside the US.", "Or four, if you have low or no credit because the Quicksilver is better than nothing.", "And honestly, since this card has no annual fee,", "there's literally no downside.", "There's literally no downside in the long run.", "There's literally no downside in the long run for getting this card", "and is one I recommend to anyone if they haven't got it already.", "If you're interested, check it out using the link down below.", "Let me know your thoughts or how many times I said Quicksilver in this video.", "Thank you so much for watching.", "If this helps you, leave a like and might as well subscribe while you're down there too.", "Have an awesome rest of your day and I'll catch you in the next one.", "Take it easy." ]

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[ "They'll give you a car loan for the car. They'll give you a loan for your house.", "So you can get a mortgage loan. You can get a student loan. You can get a car loan.", "But you can't get a business loan. Wait a minute now. The education is going to cost me 100 grand.", "The car is going to be about 70 grand. The house is going to be a quarter of a million.", "Why do you approve that but you don't approve the business loan, which is probably for half the amount?" ]

[ 1, 1, 1, 1, 0 ]

[ "This card is nearly 10 years old, but it's still one of the top points and miles travel cards.", "I remember back in 2009, this was one of the first cards I got.", "It's enabled myself and my wife to travel to more than 39 destinations using points and miles.", "I want you guys to stop right now and click the link down below.", "I've got a list of all my top travel cards so you too can travel the world for free using points and miles.", "But today for our Chase Sapphire Preferred review, I'm going to show you how you can almost guarantee you get approved when you apply or as close as we can come.", "All right, let's check it out.", "Hey guys, my name is Andrew Wise with Lifetank.", "I'm here with my wife, Taylor, and we talk about everything that makes your life great.", "Make sure to like, subscribe, and comment down below and follow me on Instagram at lifetailored.", "Okay, so to kick off this review, let's talk about the Chase Sapphire Preferred and everything that makes an amazing card.", "So first of all, it's one of Chase's first forays into the travel rewards credit card territory.", "Back in 2010, this card broke onto the scene and was the top card.", "If you're looking at the Chase Sapphire Reserve, which earns 3x points,", "this was the predecessor.", "This was the predecessor to that Chase Sapphire Reserve and was the top dog on the market for seven years and still today is one of the top travel credit card options.", "And the reason it's so great is it still earns 2x points on travel and dining.", "It carries a small annual fee of just $95.", "It's part of Chase's Ultimate Rewards Program, which has over 13 different transfer partners.", "It has a 60,000 point sign-up bonus.", "Finally, there's no foreign transaction fees when you're traveling abroad.", "And although this card doesn't have the highest 3x,", "5x points we're seeing on the Chase Sapphire Reserve or the Citi Prestige or the Amex Platinum,", "the fact that it still has that $95 annual fee makes it a fantastic card for people who are more conscious about their everyday spend", "and aren't going crazy trying to rack up $450 in annual fees.", "Finally, it's a fantastic card for beginners.", "Chase created this card for the college student or for that person just out of college,", "just starting to get their first credit card that they can use for dining,", "traveling, and all sorts of stuff like that.", "Now, since it is a beginner's card, sometimes people do get denied applying for this card.", "So let me talk about how you can almost guarantee you're going to get approved for the Chase Sapphire Preferred.", "So, first of all, your credit score needs to be in the range of 646 to 736.", "This is the range that we found from our research.", "Most people get approved for their Chase Sapphire Preferred.", "You can check your credit report for free.", "It's a government program.", "It's annualcreditreport.com.", "You get $155.00.", "It's a free report that's going to give you Equifax, TransUnion, and Experian.", "Go to the site, register through it.", "It's kind of a slow and clunky site because it's from the government,", "but this is the only guaranteed way to get it for free.", "And what you want to do is check your credit report, see if you're in that range.", "If you're not in that range, see if there's anything wrong with your score.", "You can audit and do some requests to change the report.", "I remember when I signed up, I had my name misspelled, which was causing some issues.", "And I was able to fix that with the different credit unions,", "and that helped me get my credit score in a nice, healthy range.", "I think right now I'm around like 780, something like that.", "I have a ton of credit cards, so my score is not near that perfect 850.", "But you don't need to be.", "I have all the credit cards, and I'm in that 750, 780 range.", "If you want to learn how to fix your credit report, I'm going to have a video on that", "coming soon.", "But go ahead and hit the YouTube.", "You're going to find tons of tips on there.", "Next, the other two areas you could do is Chase has a pre-approval tool, which allows", "you to do a soft inquiry.", "Okay.", "So if you're pre-qualified for that Chase Sapphire Preferred, I'm going to put a link", "down below for this card match tool that I've partnered with, creditcards.com.", "It's basically the same sort of thing.", "You can put in and do a soft inquiry and find out if you're pre-qualified for that Chase", "Sapphire Preferred.", "It's not going to be guaranteed, but it's going to be about 90, 95% chance that if you're", "pre-qualified, you're going to get that Chase Sapphire Preferred.", "Now, finally, let's talk about Chase Ultimate Rewards and those 60,000 bonus points.", "A lot of people ask me, what's the best way to use my points?", "And what Chase wants you to do is redeem those points for cash back.", "They give you one cent each.", "So 60,000 points would be worth 600 bucks.", "Well, my suggestion is to transfer to hotels or airline partners.", "And when you do that, you can get double the amount.", "So you can instead of get $600, you get $1,200 in travel credits.", "I'm going to put a video up here so you can check out my top ways to redeem Chase Ultimate", "Rewards for flights or hotels or dream travel.", "But either way, let me know, guys.", "What do you think about this?", "Chase Sapphire Preferred.", "Is it still on your list as your first credit card?", "Or do you already have a bunch of other cards and you're considering this card again because", "of that great no annual fee?", "If this is your first time to the channel, thank you so much for watching the video.", "Make sure to hit the like and subscribe.", "We have a ton of great travel content coming up.", "Every Monday we release new videos.", "And if you want to keep watching, I've got a playlist over here or over here that you", "can click on and keep watching more travel and flight hacking tips.", "Thanks again for checking us out.", "Make sure to follow me on Instagram.", "See you guys for the next one.", "Thank you guys so much for watching.", "If you learned anything new, make sure to subscribe down below so you never miss any", "of our amazing life hacks.", "I'll see you guys for the next one.", "Bye." ]

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[ "CVS, 7-Eleven and others.", "It will cost you around $3 and you will have to make the initial deposit of $20 or more.", "But you cannot order the Green Dot Prepaid Card online.", "To activate the Green Dot Visa Debit Card download Green Dot App and activate the Prepaid", "Card there.", "The process is pretty simple.", "Here are some facts that you should know before you open the Green Dot Visa Debit Card.", "First is that you can escape the monthly fee if you have a direct deposit of $500.", "Without the direct deposit monthly fee is $8.", "Next benefit is the free network of ATMs and 3 free cash deposits per day.", "Deposits can be made at the same stores where you can buy the Green Dot Visa", "Debit Card.", "Green Dot Bank not only issues cards but also operates the deposit network in retail stores.", "That is why it can offer free cash deposits.", "You will have to use Green Dot mobile app to generate a special security code.", "Then show it to the cashier, swipe your prepaid card and give some cash for deposit.", "Each cash reload deposit is limited to $500.", "The deposit is $100.", "The deposit fee can be up to $5.", "It depends on the store where you make your deposit.", "If you are paid with cash, such a deposit is quite a good thing.", "SAP Direct Deposit should make your salary a day or two earlier.", "Sometimes it can be helpful.", "Another feature that you may enjoy is the mobile check deposit.", "You can use it to deposit paper checks with your mobile phone.", "Keep in mind that it will work only after a month.", "After you open the account you will find a valid check.", "You can set aside cash for emergencies and future purchases.", "Your balance in the Money Vault doesn't turn interest.", "What a hack.", "There are no overdrafts by default, but you can turn them on if you have a direct deposit.", "Additionally, you cannot use this card for international or foreign transactions.", "Can you transfer money from Green Dot to bank account?", "Yes.", "Green Dot has routing number and account number, so you can transfer money from Green", "Dot to bank account and back from bank account to Green Dot.", "Can I transfer money from Green Dot to Cash App?", "Yes, you can transfer money.", "Just add Green Dot as a bank to your Cash App.", "The Green Dot cards have a shady terms, so you will have to carefully inspect the cardholder", "agreement for hidden tricks that Green Dot can play with you.", "Overall, I wouldn't recommend using the Green Dot prepaid card." ]

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[ "क्योंकि मार्केट में एक नया स्कैम आया है", "इसमें जब भी आप Flipkart, Amazon या किसी भी वेबसाइट से कुछ भी ओर्डर करते हैं", "तो जस्ट डिलिवरी डेट के दिन आपको एक कॉल आएगा", "जोकी स्कैमर्स की तरफ से होगा", "वह आपको एड्रेस दुबारा विरिफाई करने के लिए एक लिंक भेजेंगे", "जैसे ही आपको लिंक खोलेंगे", "वह आपको एक रुपए की पेमिंट करने बोलेगा", "और जैसे ही आप उसे एक रुपए की पेमिंट कर दोगे", "आपके अकाउंट की सारी डिटेल्स उसके पास चली जाएगी", "और आपका बैंक अकाउंट खाली हो जाएगा", "इस वीडियो को जितना हो सके उतना शेर करो", "ताकि कोई भी इस जाल में फसी न पाए", "For more updates, please subscribe" ]

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[ "यूर बैंक डिस्लाइन इस पेमेंट प्लीज कॉन्टैक ईवर बैंक मोर इनफॉरमेशन इस तरह के से आपको भी बार-बार एर आ", "रहा है और आपके स्क्रीन पर इस तरह के से दिखा रहा है नोट नो मनी हैस लेफ्ट व्यूअर अकाउंट फॉर दिस पेमेंट", "इस तरह के से बार बार आपको देखने को मिल रहा होगा", "तो आपको करना क्या है इसके बार में", "मैं आपको डिटिल के साथ बताने वाला हूँ", "तो विडियो को गलास तक देखना दोस्तो", "मैं आपको पूरी इनफार्मेशन देने वाला हूँ", "तो आईए वीडियो को स्टार्ट करते हैं", "दोस्तों कभी कभी क्या होता है कि अच्छानक इस तरीके से प्राब्लम आ जाती है तो आप बहुत ही ज़्यादा घबरा जाते है", "मतलब कि आपको क्या करना है कुछ समझ में नहीं आता है", "इसलिए में आपको बताने जा रहा हूँ दोस्तों मुझे भी इस तरीके से प्राब्लम आया था", "और एक दिन के अंदर मैंने इसको सॉल किया है", "मतलब कि एक घंटे के अंदर मैंने सॉल किया है", "दोस्तो ये प्राउलेम कब आती है और क्यू आती है इसके बारे में हम डेटेल के साथ जानेंगे", "दोस्तो इस तरीके से प्राउलेम आने का एक रिजन है दोस्तो आपका अकाउंट पुराना है तो आपको इस तरीके से प्राउलेम आ सकती है", "दोस्तो आपका अकाउंट नया हो या पुराना", "इस तरीके से आपको प्राउल्लिम आने ही वाली है", "तो आपको करना क्या है", "दोस्तो आपके अकाउंड की केवाईसी कर लेना है", "दोस्तो आपके बैंक अकाउंड में जाना है", "एक केवाईसी का फॉर्म लेना है", "और उसके बाद आप bank account में जाकर अपना आधार कार्ड और bank passbook लगवा के आप KYC करवा लें", "बिना KYC का account का जो भी problem है ये solve नहीं होने वाला है", "तो इस तरीके से आप अपने bank में जाकर आप check कर सकते हैं कि आपका क्या problem है", "चाहे तो आप bank में जाकर आप check कर सकते हैं या तो आप KYC कर सकते हैं", "इस तरीके से आपका एक problem ठीक हो जाएगा", "आप phone pay company से बात करोगे तो आपको एक problem solve नहीं होने वाली है", "तो दोस्तो आप इस तरीके से अपने bank में जाकर आप इस तरीके से solve कर सकते हैं" ]

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[ "they try to repo your car. To put this in perspective the industry standard is four", "consecutive late payments before repossessing your car. Using autopay to ensure you never have a", "missed payment they'll actually turn it off on you. And to make it worse their customer service", "is abysmal. Just check out these reviews. We've had to remove so many repossessions from people's", "reports that shouldn't have even been there in the first place. If you have a repossession", "on your credit report we can help." ]

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[ "हैं और आपको गूगल पर यूज करने में दिक्कत आ रही है जैसे कि आपके सामने कोई एरर आ रहा है आया फिर आप", "है से ट्रांस्फर नहीं कर पा रहा है फिर आपके पैसे से फस गए हैं तो इस प्रॉब्लम को आखिर हम किस तरीके से", "ठीक कर सकते हैं आज की स्विंट इसमें मैं आपको यह कंप्लीट प्रोसेस बताने वाला हूं तो सबसे पहले तो मैं", "मैं आपको वीडियो में बेहने हुए में आपको यह होता है, कि उद्ध करने के बारे में, बहुत बदल ओर", "महज़ाना तुमने मैंने चीज करके घृणिया कि", "यह चुकान नहीं पर होता है.", "है और ना तो हमारे अकाउंट से हाला कि कट जाता है तो ऐसी स्थिति में आपको यहां पर इंतजार करना है 24", "घंटे तक ठीक है आप यहां पर गूगल पर जो कि कस्टूमर के अर्थ से बात भी कर सकते हैं तो आपकी यह प्रॉब्लम", "तो दूर होगी रही बात सर्वर व्यस्त की वगैरह की तो वह चलिए मैं आपको बता देता हूं उस प्रॉब्लम को आखिर", "आप किस तरीके से ठीक कर सकते हैं ठीक है तो मैंने यहां पर अपने फोन से डिलीट कर दिया है और ठीक है क्योंकि", "मेरे सामने कई बार इस तरह की प्रॉब्लम हाय थी एर्स रिलीट मैंने उस प्रॉब्लम को यहां पर ठीक कर लिया था", "आप फिर से वही प्रॉब्लम आ रही है आपको चलिए मैं आपको बता देता हूं जैसे कि मैं यहां पर गुगल पर लिंग देता", "तो गूगल पर है वह पूरी तरीके से चलू है कि नहीं है क्योंकि कुछदेशन में आफ ही भी जिब गूगल पर है वह", "यहां पर बंद कर दिया गया कुछ सुभदा वहां पर चालू है ठीक है और जाने कि पूरी तरीके से गूगल पर सुरू", "यह नहीं है क्योंकि गुग्री कंपनी है वह कुछ नया लांच कर रही है और उसी के हgli आप सारे काम कर पाICK", "ठीक है तो इसलिए यह जल्द ही बंद कर दिया जाएगा पूरी तरीके से ठीक है और आने वाले समय में गूगल पर ही", "आप सारे काम कर पाएंगे ठीक है तो मैं यहां पर इससे पहले तो इनइस्टॉल कर लेता हूं तो हमारा यह इन", "डिक्स्टोल हो जाया क्योंकि यहां पर स्वीड़ का भी अच्छी है तो देखते देखते यहां पर डाउनलोड हो जाता है", "एप्लीकेशन सही या फिर कुछ भी मूवी वगैरा कुछ भी सही ठीक है", "तो मैं यहाँ पर सिंपली ओपन करता हूँ ओपन करने के बाद में हमारे सामने कुछ इस तरीके से इंटरफेस आ जाएगा", "यहाँ पर अपने मौल नंबर से हम लॉगिन कर लेंगे तो चलिए मैं यहाँ पर अपना मोबाइल नंबर डालता हूँ लॉगिन कर लेता हूँ", "उसके बाद में आपको यहां पर कुछ एक बात को और ध्यान रखना है जो आपकी email ID पहले थी वह email ID आपको यहां पर change कर देना है ठीक है तो चलिए मैं यहां पर अपनी email ID change कर देता हूं क्योंकि कई बार यह देखने को मिला है जब आपकी email ID में किसी पर यारी कोई दिक्कत ह", "होती है ठीक है या फिर आपने उसी email ID से दूसरे फोन में login करा रखा हुआ होता है और आप इस फोन में भी कर रहा है तब भी आपको यहां पर जैसे कि error की दिक्कत देखने को मिल जाती है ठीक है तो आप अपनी email ID यहां पर change कर ली है उसके बाद में मैं यहां पर accept and continue पर simply click", "करता हूं और जो OTP है मेरे mobile number पर चला गया है और देखते हैं हाला कि यहां पर आ जाता है", "tomato ही यहां पर verify कर लेता है तो हम कुछ second यहां पर wait करते हैं देख सकते हैं हमारा", "यहां पर tomato इसने पकड़ लिया है और यहां पर verify यह हो गया है ठीक है उसके बाद में हमारे सामने कुछ", "इस तरीके से यहां पर interface आ जाएगा गो इट पर हम सिंपली क्लिक करेंगे आपको इन सारे ऑप्शन के बारे में", "Qatar yg.com एक थीुए टॉम यहां पर मेरे दोनों भी बैंक आ चौना चुके है तो यहां पर सिंपली कंटीन वक्त", "क्लिक कर देता हूं परमिसीशन को अलाव कर देता हूं ऐसेमस परमिसीशन को भी मैं यहां पर अलाव कर देता हूं", "है उसके बाद में यह आपसे पूछ रहा है कि आप अपना यूपीआई जो पिन है बोस्त क्या सेट करना चाहते हैं हमारा", "पहले है तो इसे हमें करने की जरूरत नहीं है नेट पर पर सिंपली क्लिक कर देते हैं अब यहां पर यह कह रहा", "है कि यूपीआई पेमेंट से लेने की कुछ टर्म कंडीशन है वह आपको यहां पर एक्सप्ट करनी होंगी तब आप गूगल", "पे को यूज कर पाएंगे कहने का मतलब है 5000 से अधिक आप 24 घंटे में पैसे नहीं निकाल सकते हैं करें कि", "यह 24 घंटे तक आप 5000 रुपए निकाल सकते हैं उससे अधिक नहीं निकाल सकते हैं ठीक है क्योंकि यह इनकी एक", "प्राइबेसी है कि कोई भी अगर आपका फोन ले लेता है फिर अपना नंबर डाले अपने फोन में लॉगिन कर लेता तो वह 5000", "रुपए निकाल पाएगा 24 घंटे तक ठीक है तो हम चलिए कंटीनर पर सिंपली क्लिक कर देते हैं क्योंकि इनकी प्राइबेसी", "है तो यह तो हमें मानने ही पड़ेगी उसकी बाद में हम यहां पर चेक बैलेंस पर सिंपली क्लिक करते हैं हो सकता है", "अब आपको यहां पर जो स्क्रीन है ब्लैक दिखाई देती हो ठीक है तो अपना यूपी आई पिन डाल देता हूं और वे बैलेंस है वह", "देख सकते हैं मेरा यहां पर सो हो गया है बिना चिक चिक किए हुए ठीक है तो इस तरीके प्रॉब्लम है आप सॉल्व कर सकते", "हुए हैं कि सच में अगर आप बैकअकॉंट दूसरा खाना चाहते हैं तो आपको करना किया है ट्राफाइल पर सिंपली क्लिक", "करेंगे उसके बाद में बैंक आकॉंट पर कैसे मिलिंग करेंगे यूपी आपका बैंक आकॉंट है बुंदाब पेयर अक्टिवेट कर", "कर लेंगे ठीक है इसी के साथ में आप न्यू बैंक अकाउंट भी ऐड कर सकते हैं इसमें ठीक है तो मैं यहां पर", "चलिए सिंपली क्लिक करता हूं और मैं आपको एक परमिशन और बताऊंगा जो कि आपको चेक कर लेनी है अगर नहीं", "हो गया तब धीं कि तुम्हें या पर सबसे पहले ना ना पर सिंपली क्लिक कर देता हूं और बैक कर देते हैं और हम", "यहां पर चैक बैक वॉइस ट्री का स्फर्म सिंपली क्लिक करेंगे और हम यहां पर सिंकली क्लिक कर देते हैं अपना", "यूपीआई पिन एंटर कर देते हैं जैसे हम यह पर सिंपली क्लिक करते हैं तो हमारा बैलेंस वह यहां पर", "सो हो चुका है और इस तरीके से हम अपनी प्रॉब्लम को सॉल्व कर सकते हैं इसी के साथ में अब मैं आपको चलिए", "बात देता हूं कि आपको कहां से प्रमिसिii वह चalter ने sk ficar noisy 2 सबसे पहले हम अपनी फोन की सेटिंग्स", "जाएंगे सेटिंग्स जाने के बाद आपको यहां पर लिख देना है ऐप मैनेजर ठीक है या फिर मैनेजमेंट इस तरीके से आपको", "यहां पर लिखना जैसे कि मैं यहां पर तक देता हूं एप और मेनेजमेंट ठीक है या फिर यहां मेनेजमेंट या", "फिर मैंने जाए मैंने आप सिंप्ली क्लिक करेंगे तो आपके सामने एप लिस्ट का ऑप्शन आ जाएगा इस पर आप", "सिश्ली क्लिक करेंगे यहां पर आपको सबसे पहले गूगल पर को चेक करना है अखिर आपका गूगल पर कहां jumping", "google Google पर गूगल पर गूगल पर यहां पर हम सिंग्रणेट क्लिक करेंगे परमिशेंस पर जाएंगे तो आपको", "यहां पर यह देख लेना है कि आखिर आपने कौन कौन से परमेशन दे रखी है वह नहीं दे रखी है तो", "आपको यहां पर सारी परमेशन को अलाव कर देना है कि", "जैसे ही आप अलाव कर देते हैं तो जो आपकी परमिशन से वह सारी की सारी चालू है ठीक है और इस तरीके से आप", "वह इस प्रॉब्लम को ठीक कर सकते हैं और उसके बाद भी नहीं होती है तो आप मुझे नीचे कमेंट सेक्शन बता", "दे सकते हैं और आपको कोई भी सवाल है कोई भी कंफीजन है तो मुझे नीचे कमेंट सेक्शन में दे सकते हैं मिलते", "हैं इस वीडियोस में अ" ]

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[ "Then look at the percentage attached to your state.", "This is the percent of the population ages 18 and over", "with a health savings account.", "Utah is crushing it with 25% of people,", "which makes me think that they know something about an HSA", "that you're about to discover in this video.", "You see this bill for $469,", "I recently received it for 12 months worth of contacts.", "Now on the surface,", "you'd think that it was basically a deduction", "from my overall wealth,", "since it is money that's coming out of my pocket.", "But as someone who currently has a health savings account,", "I look at it as $3,577 in my pocket.", "Let me explain.", "If you don't have an HSA,", "then you're missing out on this massive opportunity.", "And if you do have an HSA,", "then you could technically still be missing out", "on this same opportunity", "because you don't know how to maximize this type of account.", "A report in 2020 found that only 6% of people", "with health savings accounts", "are doing what I'm saying,", "and that's what I'm about to show you in this video,", "which is a big problem.", "So listen up.", "In this video,", "I'm going to lay out everything you need to know", "about a health savings account,", "so you can hopefully one day turn it into anywhere", "between 362,000 and $731,000 of tax-free money.", "This one is absolutely packed with valuable information.", "So make sure that you watch until the very end,", "because it's important to understand the ins and outs,", "so you don't make any mistakes.", "If you have any questions that I don't answer in this video,", "then leave them in the comments below,", "and I will do my best to answer as many of them", "as I can get to.", "An HSA is a savings account", "that's attached to a health insurance plan", "where you can contribute pre-tax money,", "then withdraw it for the purpose of medical expenses.", "Your initial thought is probably the same one", "that I had years ago.", "Wait, wait, wait.", "You're telling me that I can only spend this money", "on medical expenses.", "With that kind of restriction,", "this sounds like the dumbest account ever.", "Oh, my friends, just wait for me to show you", "why this is probably my favorite money-related account.", "An HSA is completely different from an FSA.", "A lot of people confuse the two,", "so I wanted to call that out right away.", "To be able to contribute to a health savings account,", "you'll need to be enrolled", "into a high deductible health plan", "through either your employer or on your own.", "Now, later in the video,", "I'll show you how to make sure", "that you're picking the correct health plan.", "There isn't an income limit with an HSA,", "so anyone can contribute to one", "regardless of how much money you make,", "as long as you're enrolled", "in a high deductible health plan.", "According to the IRS, starting in 2023,", "an individual with self-only coverage", "can contribute up to $3,850.", "For an individual with family coverage", "under a high deductible health plan,", "you can contribute up to $7,750.", "If you're 55 or older,", "you can contribute an additional $1,000 per year", "on top of the 3,850 or 7,750.", "Two things to note about HSA contribution limits.", "These numbers aren't all or nothing.", "So if you cannot afford to contribute the maximum amount,", "then you can still contribute as much as you want,", "as long as you don't exceed the numbers that I just mentioned.", "Sometimes employers will contribute money towards your HSA", "as an added benefit, just like bonuses, vacation time,", "sick time, and a 401k match.", "If your employer does this,", "then the amount that they contribute for you", "will count towards the 3,850", "or $7,750 maximum.", "Either way, this is a valuable benefit", "that you should take advantage of if you're able to.", "Before I share with you my HSA hacks,", "how to open an account, other tips, and mistakes to avoid,", "we need to cover how to supercharge", "your health savings account", "so you can start to get a clear picture", "of why it's so amazing.", "The average person looks at an HSA", "and thinks of it as a savings account", "for medical expenses in the near term,", "hence the name health savings account.", "This individual deposits money", "into the account and when a medical expense pops up,", "they pay for it with money in the account.", "There is nothing wrong with doing this", "if that's your preferred use of the account.", "But if you want to supercharge your HSA,", "then instead of looking at it as a health savings account,", "I want you to treat it as a health investment account,", "specifically a retirement account,", "such as a 401k, 403b, 457, or IRA,", "but even better.", "The even better part has to do with a triple tax savings", "that I'll cover in just a minute.", "You'd want to go into this whole thing", "with the mindset that this health investment account", "is going to be earmarked for your future medical expenses", "when you're much older.", "I like to think of it in two ways.", "Number one, it's a little health insurance policy", "where I get to keep 100% of the money.", "And number two, as a way to pre-save for medical expenses", "that we're all going to face as we age.", "Because if you think about it, in retirement,", "you're going to be paying for medical expenses", "out of one of the other retirement accounts that you have.", "So why not just have a health specific one", "that is optimized for that use case?", "Before I go through the three different things", "that you can do once money is deposited into your HSA,", "please consider helping to support my beautiful dog", "and hiking partner, Molly, as well as this channel", "by hitting that thumbs up button,", "tapping that subscribe button and notification bell.", "Here are the three things that you can do with the money.", "Number one, you can deposit that money,", "then let it sit there where it'll slowly lose value", "to inflation.", "Number two, you can use the money on medical expenses", "as they come up.", "Doctor's office visits, prescriptions,", "new pair of contacts or whatever.", "The money is still going to get devalued from inflation,", "but at least you're using a portion of it along the way.", "Or number three, you could invest some or all of the money", "that you have in your health savings account", "and not withdraw any of the money", "for current medical expenses.", "Yes, you have the ability to invest money within your HSA.", "You're smart and most likely", "thinking I sound like a crazy person right now.", "So you're probably wondering how in the world", "you're going to pay for medical expenses", "if you don't withdraw funds from an HSA.", "Since your goal is to avoid touching that money,", "you'd want to pay for any current medical expenses", "out of pocket.", "For example, if you have a $300 medical bill,", "then you'd pay for it out of your own pocket", "so that you don't have to touch the $300 that's invested.", "This way, it can have the opportunity to 7X into 21X.", "So you can get $300 in 30 years.", "So while you're technically paying $300 out of pocket today,", "you're going to get paid back that initial $300", "plus the $1,800 investment growth", "because you left the money invested", "so it had more time to compound.", "Think of the $300 out of pocket as an investment", "and not an expense.", "Just like the example that I gave", "at the beginning of this video,", "where I said that my $469 expense for contacts", "is actually an investment.", "So let's basically compare two people", "who both have an HSA,", "but treat the account completely differently.", "Both people max out their HSA at $3,850", "every year for 30 years.", "Now keep in mind that a family can contribute", "a little more than double that.", "So you can take all of the numbers that I go through", "and multiply by two.", "Just to make it easy to understand,", "let's assume neither of them spend any money", "on medical expenses over that time period.", "Stan the Saber chooses to let his money", "just sit there in the account.", "In 30 years, he has $115,500 in his HSA.", "Ian the Investor chooses to invest all of his money,", "puts it into safer index funds", "and assumes a 7% annual return.", "Some people are gonna get mad that I'm assuming 7%.", "So if you're one of those people", "who are super angry about that,", "Jared, why are you doing this?", "Then go ahead and choose whatever return you want", "and do the math on your own", "because I can't do it for every single number.", "In 30 years, Ian the Investor's health savings account", "has grown to $363,862.", "Once again, I'm fully aware that my audience", "is extremely intelligent.", "So I know you're questioning the reality", "of spending zero dollars on medical expenses", "over that time period.", "With this in mind, let's run the scenario", "for if they both spend all of the contribution amount", "on medical expenses over that time period.", "Stan the Saber deposits $115,500 over 30 years", "and spends the exact same amount of money that he spent on his HSA.", "which leaves his account with $0 after 30 years.", "Ian the Investor keeps all of his $115,500 invested", "and pays $115,500 out of pocket over those 30 years", "so that his HSA can grow to $363,862.", "Now, since Ian has paid that $115,000 out of pocket,", "we need to deduct that amount from the $363,000 HSA.", "We need to deduct that amount from the $363,862 HSA balance,", "which tells us that the investing method", "has benefited him by $248,362.", "Don't worry, big brained people,", "we're gonna address the issue right now.", "It is not a completely fair comparison yet,", "because if we assume that Ian the Investor", "has $115,000 in cash lying around", "to pay for medical expenses out of pocket over 30 years,", "we have to assume that Stan the Saber also has $115,000 in cash", "lying around while he pays for his $115,000", "worth of medical expenses from his HSA.", "We need to be fair, so let's address this.", "Because of that, the real question is,", "what will Stan do with that extra $115,000 in cash?", "Now, ideally, we would like to assume", "that he'd invest that money.", "There's two glaring problems", "with this line of thinking though.", "Number one, we're assuming that Stan", "has his financial behaviors under control enough to invest", "$320,000 in cash.", "And number two, he's gonna invest that $320,000", "I don't know you, and I definitely don't know Stan,", "but I can tell you based on the many years", "I've studied behavioral finance and human nature,", "that if most people have this extra cash available,", "then odds are it's going to be easier to spend all of it,", "or a little bit here and there,", "on things other than investing to make up", "for that $248,000 deficiency.", "You very well may be the outlier that sticks to it, but most of us, mere mortals,", "you very well may be the outlier that sticks to it, but most of us, mere mortals,", "when we have it in our house.", "So we're better off steering clear of it", "at all costs if possible.", "And number two, even if Stan invested that $115,000", "over 30 years, he would still be behind Ian", "because no other investment account he puts money into", "can compete with the triple tax savings that you receive", "with a health savings account.", "Why I consider an HSA even better", "than any other retirement account", "is because of the triple tax savings that you receive", "First, unlike a Roth IRA or Roth 401k,", "the money you contribute to a health savings account", "is pre-taxed from your paycheck,", "so you save right off the bat.", "Second, unlike a taxable investment account,", "any gains from your HSA are not taxed.", "That means investment growth, dividend payments,", "and interest accumulated is never taxed.", "Third, unlike a traditional IRA, 401k,", "or taxable investment account,", "when you withdraw money from an HSA for medical expenses,", "you don't pay taxes on those distributions.", "So if you end up with an HSA worth hundreds of thousands", "of dollars, you'll never pay taxes on that money", "as long as it's used for medical expenses.", "There are two ways to open an HSA,", "so let's get you up to speed on those.", "Then I'll share my preferred account providers", "based on personal experience.", "The way an HSA works is you have to be enrolled", "in a high deductible health plan, sometimes, for a year,", "at the time that you contribute money into your HSA.", "If you were not enrolled in an HDHP,", "then you cannot contribute to a health savings account.", "Here's an example of the benefits page", "from one of my previous employers.", "If you look here, you can see that they specifically call out", "that this plan is a high deductible health plan.", "Not all employers will make it this clear.", "So if you are not sure which plan is an HDHP,", "then you can either double check with your HR department", "for clarification, or the IRS has written out", "how they define this type of account.", "I'll put on screen how the IRS defines an HDHP", "so that you can either pause the video and write it down,", "or just do a quick Google search to look at their website,", "then compare it to your health insurance options.", "After you understand how to define what an HDHP is,", "the first way to open an HSA is if you have an employer-provided health plan,", "If this is the case, then your employer has already chosen", "a third-party HSA provider for you to use.", "For example, when I worked for Goodyear,", "they used an HSA provider called HealthEquity.", "For the record, I am not endorsing HealthEquity.", "I'll share the ones that I prefer later in the video.", "Once I signed up for my HDHP with Goodyear,", "I then had to open an HSA account with HealthEquity", "through their website.", "I then put in some Goodyear info", "so that they knew I was associated with that employer.", "At that point, your employer will take your HSA contribution", "out of your paycheck pre-tax,", "then send it to your HSA at the provider they've chosen.", "If your employer does not have a pre-chosen HSA provider", "for you, or you get health insurance on your own,", "then you're going to have to pick an HSA provider", "and open up an account on your own.", "In this scenario, you're probably going to have to contribute", "to your HSA on your own.", "Now, there might be a way", "to get your HSA provider and employer", "to set up automatic withdrawals from your paycheck,", "but I'm not 100% sure if this is possible,", "so you'll have to double check on your end.", "Either way, money that is contributed this way", "is with after tax dollars,", "because your paycheck is of course paid to you", "after taxes are taken out.", "You'll still get the pre-tax savings,", "but it will come in the form of a tax deduction", "when you do your taxes for that year, so don't worry.", "The way this works is your HSA provider will send you a form", "of all of the info laying out how much you contributed", "so the IRS is aware.", "One thing to note about if you have to self fund", "is that while you will get a federal tax deduction,", "you will not get a tax deduction", "for supplemental security income,", "which is sometimes referred to as SSI or Medicare,", "like you would if an employer is depositing money", "into the account on your behalf.", "Because you're in full control", "of depositing this money on your own,", "it's going to be easy to accidentally forget.", "So you have to do your best to make sure it is done", "every single pay period or month.", "We're all forgetful from time to time.", "So the best suggestion that I have is to set up some sort", "of automatic direct deposit from your bank account", "into your HSA if you have to go the self-directed route.", "There are a ton of HSA providers,", "but I've only had firsthand experience with five of them.", "Out of those five,", "the only two that I would recommend are Fidelity.", "Fidelity uses their in-house investment platform.", "I try to avoid HSA providers", "who charge an ongoing fee if possible.", "When I worked for Goodyear", "and they forced me to use health equity,", "one thing that I didn't like about that provider", "is that they charged an ongoing fee.", "Although it was small,", "I didn't want to have to pay for something", "that I could get for free", "with another provider like Fidelity.", "Before I tell you how much I've made from my HSA investments,", "you should know that you're able to take an HSA with you", "whether or not you stay with your current employer.", "Once your employer deposits money", "from your paycheck into an HSA,", "you have full control to do whatever you want with it", "and you can take it anywhere you want.", "Once again, when I worked for Goodyear,", "I was forced to use health equity", "for where they deposited the money.", "Once the money was in the account,", "I could do whatever I wanted with it.", "So I decided to transfer a portion of it", "to Fidelity and Lively to avoid as much of the fee", "that health equity was charging me.", "I also didn't like the fact that health equity", "forced me to keep a minimum of $1,000.", "I was forced to keep a minimum of $1,000.", "There was no way to get around this", "without closing the account, which wouldn't be good", "since my employer was still contributing money to it.", "But since I left Goodyear a year ago,", "they weren't putting money", "into my health equity account any longer,", "which is when I decided to ditch that HSA provider,", "close my account and move the rest of my money", "to Fidelity and Lively.", "I obviously can't tell you how to invest your money", "if you go that route,", "but I personally prefer to stick with low cost index funds", "or index ETFs like the ones that I've made videos about,", "which I'll link up down in the description of this video", "and above my head as well.", "I also prefer the two or three fund portfolio", "for something like an HSA as well.", "Now I've made videos on both of those,", "which I will once again link up in the description", "and above my head as well.", "At this point, I've been investing my HSA money", "for five years and have received an average annual return", "of a little over 8%,", "which is higher than the 7% I was doing my calculations,", "based on earlier in the video.", "The stock market is currently way down as well.", "So I'll take 8% every single day of the week,", "especially during times like these.", "If you're worried that you're going to need your HSA money", "within a short period of time,", "because you can't afford to pay out of pocket", "for medical expenses,", "then please, please, please do not invest the money.", "Due to short term volatility in the stock market,", "it's not worth the risk", "if you're not going to be able to commit", "to staying invested for at least five years.", "One little hack that I want to mention", "to maximize your HSA money a little more", "is to pay for all of your medical expenses", "with a good rewards credit card,", "then pay it off at the end of every single month.", "My thought with this is since I'll be spending money", "on these medical expenses out of pocket anyways,", "I might as well charge it instead of paying cash", "so that I can take advantage of my 2% cash back rewards.", "Bonus tip, I use Fidelity's 2% cash back rewards card,", "then convert my points to cash", "by depositing them into a Fidelity brokerage account,", "or I then invest that money into even more index funds.", "I know not everybody likes to use credit cards,", "so if you feel comfortable with doing this, go for it.", "If not, no big deal.", "I just wanted to make sure that I mentioned it.", "This is the warning part of the video.", "Now you can withdraw money from an HSA", "for non-medical expenses,", "but it comes with a pretty big price.", "If you were caught using this HSA money", "before the age of 65 on things other than,", "approved medical expenses,", "that amount will be taxed as ordinary income", "and you'll also pay a 20% penalty as well.", "For example, if you spend $500 on a non-medical expense", "and you're in the 24% tax bracket,", "then you'll pay a $100 penalty", "as well as $120 for income taxes.", "This is a bad idea that I suggest avoiding at all costs", "because it defeats the whole purpose of an HSA", "and essentially cancels out", "any benefit it offers.", "The reason I mentioned the age 65 a second ago", "is because starting at the age of 65,", "you're able to withdraw money from your HSA", "for non-medical expenses without paying the 20% penalty,", "but you will still have to pay ordinary income tax", "on the amount that you withdraw.", "If you go this route,", "then the account pretty much turns into a retirement account", "like a traditional IRA or traditional 401k,", "so it's pretty much a win-win.", "With an HSA, you're going to need to know", "how to manage your medical receipts,", "so I'll show you how to do that", "as well as answer some other important HSA questions", "in this video to your left.", "Make sure to tap that thumbs up button", "and hit that subscribe and notification bell as well.", "Check out the additional investing", "and personal finance resources in the description below.", "I'll see you in the next one, friends.", "Done." ]

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[ "about secret agents. The prices range from 400 Swiss francs a year for the smallest one", "to 10,000 Swiss francs for a box that could fit a suitcase. But we are not in a secret", "treasury or a bank today. This is actually a regular shop in the city center of Zurich,", "but this building belonged to the Volksbank in the last century.", "Would you like to rent a deposit box in Switzerland? What would you store there?", "Write in the comments below and follow Olga the Explorer for more stories from Switzerland.", "See you here, bye-bye!" ]

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[ "प्रिवियस वीडियो में हमने बात किया के", "फ्रॉड ट्राजेक्शन के परिस्थिति में हमें क्या करना चाहिए", "अगर हमारा बैंक अकाउंट से पैसा चोरी हो गया", "फ्रॉड हो गया हमारे साथ और अकाउंट से हमारा पैसा कट गया है", "तो हमें क्या करना है, कैसे कम्पलेंट करना है", "यह हमने प्रिवियस वीडियो में इस विषय पर बात किया है", "आज हम देखेंगे कि अगर स्टेट बेंक औप इंडिया में हमारा अकाउंट है", "और हमारा अकाउंट से पैसा चोरी हो गया है, हमारे साथ फ्रॉट हो गया है", "तो हमें क्या करना है?", "यहाँ पर हमें एक बात क्लियर हो जाना है कि", "अनोथराइज ट्रांजेक्शन, फ्रोडूलेंड ट्रांजेक्शन, फ्रॉड ट्रांजेक्शन", "यह सब एक ही बात है", "मतलब अगर हमारा account से", "पैसा fraud की वाइसे चोरी हो गया है", "तो ऐसे transaction को", "unauthorized transaction कहा जाता है, fraudulent transaction", "कहा जाता है या पिर हम simply इसको", "fraud transaction भी कह सकते हैं", "तो अगर हमारा state bank और India में account है", "SBI में account है तो SBI ने", "हमारे लिए क्या क्या option दिया हुआ है", "चलिए SBI के official website पर चलते हैं", "और देखते हैं कि कैसे हम अपने", "complaint को register कराएं", "यहाँ पर देखे SBI का official website", "ओपन हो चुका है, इसमें देखे", "अलग-अलग ads जो है चल रहे हैं", "तो इसी में unauthorized transaction", "से related हमारे लिए बहुत अच्छी", "जानकारी यहाँ पर दिया हुआ है", "पर हम unauthorized transaction को report कर सकते हैं", "और निचे देखे और एक", "जानकारी भी निचे लिखा हुआ है कि", "longer the time taken to notify, higher would be", "the risk of loss to you, याने के", "निचे भी हिंदी में भी लिखा हुआ है", "आपके दोरा सुचित करने में जितना बिलम होगा", "नुकसन का जोखिम उतना ही अधिक होगा", "याने के जल्दी से जल्दी जैसे ही हमें", "unauthorized transaction के बारे में पता चलता है", "तो तुरंथ हमें जो है इसको report करना है", "इसके अलाबा और एक option भी", "इस website में दिया हुआ है", "जैसे के आप top में देख रहे हैं कि", "unauthorized digital transaction reporting", "दिया हुआ है बहुती चोटे चोटे अक्षरों में", "लिखा हुआ है साइद आपको यहाँ पर ठीक से", "नजर भी ना आए है तो इस पर जैसे ही", "हम क्लिक करेंगे देखे यहाँ पर", "एक form जो है वो open हो जाता है", "यह form जो है बहुती simple सा form है", "इसमें हमें account number, name, branch code", "mobile number यह सब fill up कर देना है", "उसके बाद category of complaint में", "पहले से वो on authority transaction दिया हुआ है", "उसके बाद नीचे में देखे product and services", "में जो है अलग अलग option दिये हुए", "उसी option से हमें select करना है", "जैसे कि ATM बगरा का दिया हुआ है", "और nature of complaint भी हम select कर सकते हैं", "तो पहले अगर हम ATM on authority transaction", "को select कर लेते हैं", "तो देखे nature of complaint में already आ रहा है", "transaction not done by customer", "debit card holder", "इस तरह का हम इसको fill up करके", "बहुत ही simple सा form है", "इसको fill up करके हम अपने complaint को", "submit कर सकते हैं", "तो मैं असा करता हूँ कि", "आपको आज का वीडियो पसंद आया होगा", "अगर आपको आज का वीडियो पसंद आया है", "तो इसको like कर दीजे", "और इसको share करके ज़्यादा से ज़्यादा लोगों तक पहुंचाईए", "और अगर आप चैनल के साथ अभी तक जुड़े नहीं है", "तो चैनल को subscribe कर लीजे", "आज के लिए बस इतना ही धन्यवाद", "नवशकर" ]

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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।" ]

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[ "you're in the right place because in this video we're gonna find out in this video we're gonna", "talk about the sign up bonus the point earning the intro apr the cash rewards the fraud protections", "and all the other benefits that come with the discover it cashback credit card so after watching", "this video you'll be able to see whether the discover it cashback credit card is right for", "you hi i'm noble credit on this channel my goal is to put money into your pocket using credit cards", "and i help you do that by helping you with your credit score getting you approved for financial", "products and helping you get credit cards if you are a beginner or new to credit cards you're on", "the right video because the discover it cashback credit card may be the best card for beginners", "this year i'm going to make all this very simple and easy to digest now let's talk about discover", "discover bank is owned by discover financial services discover bank is the", "third largest credit card provider in the world and it is the third largest credit card provider in the world.", "way you'll see multiple variations of the discover card such as the chrome the miles card listen the", "discover it cashback card is really the only viable discover card that you should be looking", "at unless you're restarting and trying to rebuild your credit by getting a secured discovery card", "the discover it cashback card is going to be the best card for you so pretty much just ignore the", "other discover cards okay so let's talk about the sign up bonus and the point", "earning for the discover card the discovery card is a five percent cash back card meaning it has", "rotating quarterly categories so four times a year discover will choose categories for you to earn", "five percent on those purchases now you can earn that five percent back per quarter on up to fifteen", "hundred dollars worth of spin this gives you a maximum of seventy five dollars to earn from the", "five percent per quarter after the fifteen hundred dollars every dollar you spend you'll be getting", "one percent back on all of those five percent back on the five percent back on the five percent back", "those purchases so for the five percent categories you're getting seventy five dollars back max after", "that you can still earn cash back it just won't be at the five percent mark it'll be at the one percent", "mark so in a full year four quarters seventy five dollars that you're earning from the cash back", "for quarterly categories you'll be earning three hundred dollars if that sounds complicated it's", "not you'll be earning this automatically now for the sign up bonus within the first year discover is", "going to give you a three hundred dollar cash back so if you match however much cash back that you", "earn within that first year discover will match it so let's say you earn three hundred dollars worth", "of cash back within the first year discover is going to give you another three hundred dollars", "which essentially makes the five percent rotating categories in the first year ten percent rotating", "categories as long as you use them and for the sign up bonus there's no limit to how much cash", "back you can earn so you can earn as little or as much cash back as you want or as you spend so we", "can't do that so let's talk about the five percent categories let's talk about the one percent on", "everything else outside of those categories you'll earn one percent back but within that first year", "since discover pretty much matches you dollar for dollar on cash back it's essentially within the", "first year outside of the five percent categories a two percent back card now let's talk about the", "15 month intro apr period so let's say you get the card and you put three thousand dollars worth of", "spend on it well you have 15 months to pay that 3 000 off instead of having to pay it off the next", "year so you're going to have to pay that interest and you need to carry a balance well i recommend", "getting the discovery it cash back card because you get a nice long intro apr period at zero", "percent and then after that hopefully you've paid it off it'll go to a variable percentage rate now", "i don't recommend paying interest however zero percent intro apr cards are really good to have", "in a pinch so if you need to transfer a balance to this car this is also one of the best balance", "transfer credit cards now let's talk about the cash back card so let's talk about the cash back card", "redemption on this card now the cash back that you earn on this card you're going to be able to", "redeem it directly into your bank account or redeem as a statement credit or you have an", "amazon or paypal purchase you'll be able to redeem it in that way as well now one of the really good", "things about the discovery car is there is a pre-approval tool that you can use to see if you", "can be approved for the car without incurring a hard credit pull which means that the soft credit", "card pull will not affect your credit score now is it free or is it not free it's a free card so", "just because the pre-approval tool doesn't say that you will be approved that doesn't mean that", "you're not going to be approved however the pre-approval tool is a really good indicator", "on whether or not you'll be approved and i have a link in the description so you can see if you can", "be pre-approved for this card now some more benefits for this car are going to be the", "security protections that you get the social security number protections that you get the", "zero fraud liability protections that you get so discover goes above and beyond to try to protect", "your information out there on the web so they offer security monitoring to monitor your social security", "number whether or not your name is out there being used without your permission on some of", "the most popular people search websites and you're not liable for fraudulent purchases for instance", "i've done videos where i interview people about credit cards and they've told me the reason why", "they prefer credit cards over debit cards is because whenever they've had fraud issues in", "the past with debit cards it's a lot harder to get that money back do you prefer debit cards or", "credit cards i prefer credit cards why do you prefer credit cards over debit cards i prefer", "credit cards because to me it's like a lot of people don't have a lot of money in their pocket", "there's some sort of like level of protection that i get you know from potential fraud i learned that", "lesson the hard way because i used to use debit cards in the past and um there was a lot of", "fraudulent charges that i had to deal with because of that so with the credit card there's like a", "middleman you know who's helped protecting my money and if there's any sort of possible fraudulent", "activity i could just call them and they'll take care of it they like credit cards because for", "credit card companies you're usually not going to be responsible for any fraudulent charges which", "just makes sense because when you use your debit card you're using your money", "when you use a credit card you're using the bank's money they probably have a little bit more of", "incentive to get their money back rather than to get your money back with the debit card one last", "added benefit to this card is that you can pick your own card design they have over 25 card designs", "i went with the gold colored car design because i think it looks cool but you can get any color", "or pattern that they have now let's see what other people are saying about the discover it card", "famed actor tom cruise says the discover it credit card is one of the best beginner", "credit cards on the market and noble credit is one of my favorite youtubers thanks tom cruise i", "appreciate that do you need even more of an endorsement well grammy award-winning singer", "and songwriter beyonce says the discover it credit card was one of my first credit cards and i still", "use it to this day thanks to videos like those from noble credit whose channel i am subscribed", "to on youtube wow thank you beyonce really appreciate that so overall the discovery", "credit card is probably the best beginner credit card i've ever seen in my life i'm not gonna lie", "i'm gonna say it's a pretty good card for you but now you need to get approved for the card so i have", "a link in the description it's going to be pretty simple to fill out the credit card application", "i'll give you a helpful tip right now it's a pretty easy card to get approved for when you", "use the link in the description you'll actually get a 50 statement credit when you make one purchase", "within the first three months of having the card this is on top of the sign up bonus so you're", "still getting your five percent rotating categories you're still getting your cash back match this is", "just something extra for using that referral link so i hope this answers your question if you want", "to ask me a question for what the best beginner credit card is this year i'm noble credit make", "sure you like the video if you've received any value from this content subscribe to the channel", "if you need someone in your corner helping you with all things credit cards if you're interested", "in the credit card that may have a little bit more travel rewards check out this video right", "here good luck on your credit card journey i'll see you in the next video peace", "bye" ]

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[ "Brennan, what the heck are you talking about? Why would you never want to use Chase savings", "accounts? Now there are certain situations in which you would want to use them in which you", "wouldn't want to use them. So that's what we're going to be going over in this video.", "What are those kinds of scenarios? What are your best options long-term for a savings account and", "where you can make the most profits? Of course, where are you going to make the most money?", "Now with Chase, I actually use them on a daily basis with their checking account.", "Nothing wrong against Chase alone, but with the regular Chase savings accounts,", "they are taxing in which they only give you a 0.01% interest rate. That is absolutely terrible.", "The reason why Chase does this is because they already have you as a customer and the way that", "they get new customers for the savings accounts, even if you already are a customer there, is to", "give you a signup bonus in which this is the only, telling you the only time you really want to use", "Chase.", "you pretty much just churn it. This is called bank account churning or more or less. You just", "take that money back out after you get the signup bonus and move it somewhere else. So where are", "you actually going to move it to get a better return than 0.01%, the abysmal rate that they", "give you? Well, there are a variety of options and I'm not biased or getting paid for any of these", "other options, but there's places like Ally Bank, Wealthfront, Marcus by Goldman Sachs. Those are", "just a couple of options. So if you're looking for a better return, you can go to the website,", "2%. At least if you can get 2% right now, obviously the feds actually just chopped it.", "So Wealthfront even lowered theirs. I think it was 2.32%. Now it's like 2.07%.", "The making of this video, this number is always fluctuating, but that is still", "infinitely better than just a 0.01% interest rate. Now you may be wondering, well, okay,", "but 2%, that's still not exactly great. Really? This money is just there. So you,", "you can have it better than just having it in a checking account, right? It's much better to at", "least have that money liquid. You can still have access to it. Obviously you still are within that", "six time withdrawal rate per month. So that's just a government regulation. That's honest.", "You can only withdraw up to six times. But other than that, I mean, you can keep that money there,", "keep depositing all your money in the savings account, and then just make your regular", "withdraws from a checking account. But you don't want to just hoard a bunch of money in checking", "account because you're just losing that money to inflation, right? At least for the savings account,", "you can keep pace with inflation or beat it by maybe 0.02% or something. It's a, it's very small", "amount. Maybe by a small percentage, you might be able to be inflation with this. This money", "is not really invested or meant to make you a ton of profit. It's just there as a holding account.", "So you're at least not losing that money to inflation because if you just keep it in a", "checking account, you're burning all that money to inflation every single year. And trust me,", "I did this, made this huge mistake. And it's definitely something you do want to fix early.", "In your twenties, before you get into your thirties, forties or fifties, and you're just", "having a bunch of money, just sitting in a checking account, doing absolutely nothing.", "Whereas it could just be sitting in a savings account doing nothing because it's not invested.", "So there's no risk with this at all. It it's just sitting there. So you might as well get", "the extra percentage. Now you may be wondering, well, why are they giving away this quote unquote", "free money, right? Basically this is to get you in the door, right? Why, why is it that", "these other companies are offering these services in the first place?", "Because you know, there's no free lunch in this world. Why, why is someone doing this doing a,", "why is the business offering this for free, right? Or offering that extra percentage for", "their savings accounts. It's predominantly to get you in the door. Okay. So say for example,", "with Wealthfront or allied bank, right? They get you in the door with that juicy savings account", "interest, right? That 2%, oh, beautiful. And then, you know, you're able to move your money there.", "And then they're like, Hey, you know, maybe you invest that money, use it with their brokerage or,", "or, uh, loans.", "Other types of financial offerings that they, that they have with their bank. That's how they're", "going to make the money is the interest off of those type of products and services at their", "financial institution. That's how they're going to make their money. Really? These savings accounts", "are just to get you in the door with them. Uh, it's not necessarily, it could even be a loss", "leader for them more or less just to get more people in door or they just break even with it.", "So that's why they're offering it in the first place to be competitive against big giant banks", "like Wells Fargo, Chase that, that offers such a low interest rate.", "And then they offer those savings accounts. And the reason why they can keep offering those savings", "accounts is because they're on every corner and people are already banked with them, but it's just", "good to know that, you know, you don't necessarily have to just use them for the savings accounts,", "right? Get there, get their signup bonuses and then turn it over somewhere else where you're", "going to get a better return long term. Obviously this money isn't quote unquote invested. If you", "wanted to invest, obviously there's a variety of other options. This is really just money that you", "want to not have invested, just safe sitting there. Maybe you want to put it as a down payment on a real estate", "account.", "there with that extra account. If you're, if you're holding, planning on holding it for just a couple", "of years, uh, for saving up for a purchase or something like that, of course, that is really the", "best place for these savings accounts is because you're getting that, you know, you're not just", "sitting in a checking account, but you're not also risking anything. So that's at least a nice", "benefit is you're not really running any kind of risk by putting your money in the market or, or,", "you know, potentially.", "Losing any, any money short on the short term. So really for the short term times, this is the best", "time to use other alternatives to just a traditional checking account, dump it in that savings account,", "and you're going to get that extra percentage. So is chase a scam with this? Honestly, no,", "it's really just to offer something to their customers that they already have and to keep", "them happy because at least with them, you can use their ATM services with the savings accounts,", "but someone as such as myself, the last time I went to a bank,", "I honestly can't even remember. So with all the online banking and mobile banking,", "there really isn't even that benefit to, to use their branches that are so like all over the place.", "So you might as well just use an online bank or some sort of other service to put your money with,", "because if you, if you don't need that offering with the savings account,", "you're just losing out on some of the value that you're basically that's it's costing you by not", "having it somewhere else. So that's kind of something to think about as well. And once again,", "I am not a financial expert. I am not a financial expert. I am not a financial expert. I am not a financial", "advisor by any stretch of the imagination. This is just for entertainment purposes only.", "Okay. Entertainment purposes only. So if you guys enjoyed the video, if you did make sure to smash", "that dang like button, make sure to do it so we can get that like ratio going up,", "subscribe to the channel, and I will see you guys in the next one. Peace out." ]

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[ "while still having the ability to go into a physical brick and mortar location, then", "Capital One might be the best option for you.", "But is this older, more traditional bank still worth it in 2022?", "Today let's find out.", "Alright, let's jump right into it.", "What is going on everyone?", "I hope you are all having a fantastic day.", "So obviously, we mainly focus on modern financial technology companies on this channel, but", "I do like to give credit where credit is due, and of all of the crappy national banks that", "are out there, Capital One is by far my favorite.", "But the question still stands, is it able to compete with those modern financial technology", "companies like Chime and SoFi, and therefore, is it worth it in 2022?", "Well, in terms of banking, Capital One has their separate 360 checking and 360", "bankers.", "As well as some other unique account options that we'll get to later in the video.", "With the checking and savings account, there are no fees across the board, meaning no monthly", "fees, no minimum balance requirements, and none of that garbage.", "You also have access to their network of over 70,000 free-to-use ATMs, which not only beats", "out the similar competition like Chase, who only has 16,000 free-to-use ATMs, but even", "beats out the modern ATM networks like AllPoint, which currently stands at just 55%.", "And they're able to do that by actually combining the MoneyPass and AllPoint ATM networks, as", "well as a number of free Capital One ATMs inside locations like Target, Walgreens, and", "several others.", "Obviously, Capital One does have that advantage of the brick-and-mortar experience if you", "need it.", "However, they do only have just shy of 1,000 locations scattered across a fairly limited", "number of states in the US.", "So, depending on where you live and how close the nearest...", "branch is, you may or may not get a true advantage out of those brick-and-mortar locations.", "But as we'll talk about later in the video, you don't really need to have a physical", "location near you, in my opinion.", "Lastly, on that note, before we get to the more core features, they do have their expanding", "network of Capital One Cafes, which is an odd mix of a bank and a fancy coffee shop,", "but regardless of how you feel about that, it is certainly a unique banking experience", "that Capital One is leaning heavily into going forward.", "So, with your 360 checking accounts, not only are there no fees across the board, but you", "also have no overdraft fees, which is a huge differentiator, in my opinion, between Capital", "One and places like Chase or Wells Fargo, who charges $35 per overdraft, which drives", "me absolutely nuts.", "In fact, Capital One actually gives you overdraft options where you can choose to either have", "that purchase declined, have the overdraft activate a free transfer from your savings", "account, or you can opt for the no-fee overdraft option.", "So, every day of every five years and this between $1 and $2 million for the future, you", "get paid basically $40 each year.", "Everything is in that forward split of its て Cash limit, where people get their posted", "ones pay include meal fee threads, which basically mean that you make more money with", "☪�도beczyn te um Że checklistong PAC tãngkens um ZEV&Va n nou m insignificant", "overweight National Bank.", "They again have no fees and right now they are offering a whopping 1.3% APY on your savings", "account which is absolutely insane for a national bank.", "Keep in mind that these rates are constantly changing but for comparison, at the time of", "recording this video, fintech companies like SoFi are currently offering 1.8% so not quite", "as good as those but other national bank competition like Chase is currently offering just 0.01%.", "That means that Capital One currently offers 130 times more interest than Chase which is", "kind of hilarious.", "Obviously this account can be accessed from your desktop as well as their highly rated", "Capital One mobile app plus you have the ability to create multiple performance savings accounts", "for individual financial goals and you can even set up automatic savings plans to help", "keep you on track with those savings goals.", "So those two account options combined with the really well designed Capital One mobile", "app easily make this the best savings account in the world.", "The Capital One mobile app is the best hybrid banking option in my opinion if you aren't", "fully ready to go online completely.", "But beyond the 360 checking and savings accounts, they also have CD options or certificates", "of deposit which is something that a lot of modern fintech companies do not currently", "offer.", "If you're not familiar with a CD, essentially this is just a different type of savings product", "that allows you to earn a consistent interest rate that in most cases is much higher by", "depositing a lump sum of cash for a fixed amount of money.", "it in, the higher the interest rate that you will be able to earn.", "CDs have been kind of dead over the past few years because interest rates have been so", "low but now with interest rates rising rapidly, companies that are able to offer certificates", "of deposit are once again going to have a huge advantage over those that do not have", "this as an account option.", "Right now Capital One offers a 1 year CD at a 2.25% APY.", "Meaning you would put your money in this account for 1 year and earn 2.25% and this", "goes all the way up to a 5 year CD offering 3.2% each year.", "Plus just like all of their other accounts, there's no minimum balance requirements,", "all of the money is fully FDIC insured and unlike other market investments, your rate", "of return on a CD is guaranteed making it a really attractive option for a consistent", "lower return on a lower risk form of investment.", "Now while it's not the focus of today's video, I will also mention that Capital One", "does have their own kid savings account as well as a money teen checking account which", "are two of the best banking options for teenagers in my opinion.", "So if you are a parent who is looking to teach your kids some of those important financial", "lessons then this might be a fantastic account option worth checking out as well.", "Alright so strictly looking at the banking side of things, Capital One definitely blows", "their national banking competition out of the water in my opinion.", "They offer significantly higher rates of interest than other banks out there and they are a", "much more modern and easy to use banking experience online and are able to match a majority of", "the features that the likes of Chase and Wells Fargo currently offer all while charging no", "fees including of course no overdraft fees.", "They currently don't have as many locations as those other national banks but with 70,000", "free news ATMs and so many modern features within the platform, I don't really see many", "scenarios where you would actually have to go into a physical bank.", "When compared to more modern financial technology companies like SoFi or Chime, they definitely", "are lacking in some features and aren't going to have that sleek Silicon Valley design but", "they do have some account options like certificates of deposit that companies like SoFi do not", "currently offer.", "Now if we zoom out a little further and take a look at the holistic picture, Capital One", "obviously offers a number of very popular credit card options, auto lending services,", "business account options, commercial banking solutions, and several other options.", "Again though, other national banks are able to match a majority of those features as are", "many of the modern fintech companies.", "So making your final decision is really going to come down to what financial tools you are", "specifically looking for and what account options you are comfortable with.", "If you absolutely have to have a physical brick and mortar bank that you can go into,", "then that is going to remove a majority of those modern financial technology companies", "like SoFi.", "And in that case, you're left with just the national banks of which Capital One is", "definitely your best option in my opinion.", "However, if you're comfortable with a hybrid banking experience but you're not ready", "to fully jump into an online-only bank, then once again, Capital One would probably still", "be your best option since the app itself gives you most of what you would need but again", "still beats out a lot of those older national banks.", "However, if you are fully done with the brick and mortar banks and you have no need to go", "into a bank and you aren't really looking for account options like a CD for example,", "then personally I would still argue that some of the modern fintech options are much better", "and give you a more well-rounded financial solution.", "You all know that obviously I am comfortable with a fully online banking experience and", "that's why I use SoFi.", "However, I do have two Capital One credit cards and my Capital One Venture X card is", "currently the credit card that I use most often above all of my other credit cards.", "Additionally, I have always been a big fan of SoFi.", "online heavy banking experience, then you can find some peace knowing that you are able", "to get a hold of a real person fairly easily, at least in my experience.", "But as always, this is just my opinion.", "So I'd love to know what you think of Capital One down in the comment section below and", "whether or not you feel these national banks are still relevant and worth it in 2022.", "Be sure to check out some of my favorite financial tools using those links down below the like", "button.", "Take it easy and I'll see you in the next one!" ]

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[ "but China he's going to swab a transaction or online payment again,", "then that payment is failed.", "You have a balance in your account, but the payment is not successful.", "What could be done, let's talk about it here.", "Hello guys, my name is Amit, welcome back to my channel APEX Top", "Guys, as per RBI Rule, if you receive a new debit card or a credit card,", "by default this law automatically這一वी प्रदाए जाता है", "But if you are going to buy something from an international website,", "साइड से कुछ समान खरीदना है कुछ पेमेंट करना है तो पहले तो आपको इंटरनेशनल ऑप्शन की जो ईकॉमर्स", "सर्विस है उसे आपको एक्टिवेट करना होगा साथ ही सद्ध डोमिस्टिक में भी आजकाल ईकॉमर्स और जो कंटकलेक्ट", "सर्विस से ऊटोमेटिकली बैंक की ओर से डिजबेल किया रहता है तो अगर आपको ऑनलाइन ट्र sido खर हो रहा", "है या फिर स्वाइड करके चैनल क्वेश्चन करने में पुंच प्रॉब्लम हो रहा है तो पहले आपको एक बाद देख लेना", "e-commerce मतलब ऑनलाइन में जो पेमेंट होती है उसका लिमिट अलग है पॉज का जो लिमिट है मतलब जो स्वाइब करके आप", "टैंजेक्शन करते उसका भी लिमिट अलग है और यह सब लिमिट आपको खुद से सेट करना होता है बहुत सारे बैंक में यह", "विवेटिकली नहीं होती है तो इसमें क्या होता है अगर आप टैंजेक्शन करने जाए पॉज में शीघ्र स्वाइब करें या फिर", "ऑनलाइन में टैंजेक्शन करें और वहां पर आपके बैंक में वहां पर बाई डिफर्ट जो लिमिट है वह जीरो किया हुआ है और", "आपकी अकाउंट में पैसा होने के बजे से भी आपकी ब्रॉब्ध इजेक्शन वो टैंजेक्शन कभी भी कंप्लीट नहीं होगा तो", "आपको यह करना होगा कि आप कहां से कर सकते अगर आप मोबाइल एप्स यूज करते हैं आपकी जो बैंक है उस बैंक की जो", "dès मॉफिल होती है वहां पर अगर आप अगर तो वहां से भी आप कर देते ligne यदि किसी साफ से", "दर्कार है उस हिसाफ से अपनी मिट सेट कर सकते या फिर अगर आपके पास मॉबाइल ऑप्टर कर सकते ISR कर", "करके भी इस प्रॉब्लम का सॉल्यूशन कर सकते आपको मोबाइल ऐप से ही करना होगा ऐसा जरूरी नहीं है आप अगर", "चाहे तो बैंक में जाकर भी रिटेन एप्लीकेशन करके भी इसका लिमिट डिजबेल या अनवेल कुछ भी आप कर सकते", "हैं साथी साथ आप कस्टूमर के अर्थ से भी आपको आपकी जितना जरूरत है उसकी हिसाब से आपको हेल्प किया जाता है", "तो आगे जाकर आपको अगर ऐसा कुछ प्रॉब्लम होती है कि आपने बहुत सारा शॉपिंग कर लिया उसके बाद आपने पॉज", "पर स्वाइब किया लेकिन पैसा नहीं निकल रहा है तो टेंशन लेने का कुछ भी जरूरत नहीं है एक बार आप", "कस्टूमर के अर्थ से बात कर लीजिए या फिर उस बैंक का जो एप है वह अगर आप आपके पास है तो वहां पर जाकर एक", "साथ देख लीजिए कि आपकी इंटरनेशनल ऑप्शन है वह ऐनेबेल है कि अगर नहीं है तो तुरंत कर लीजिए और", "यह टीम करने के साथ हो जाती है कुछ टाइम इसका वेटिंग टाइम नहीं है कि आपने अभी एनेबेल किया और 24", "24 hours बाद जाकर आप ट्रेंजेक्शन कर सकते ऐसा बिल्कुल नहीं है जब आप एनेबेल करेंगे उसी टाइम से आप", "ट्रेंजेक्शन कर सकते गाइस इस विशाइज को लेकर अगर आपके मन में कुछ भी सवाल है तो प्लीज कमेंट बताना", "झाल" ]

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[ "many people backpedal when they're struggling financially.", "And they go down very shady paths.", "And they know who they are.", "But they have not exercised tawakkul", "so Allah never fills their hands with goodness.", "They will tell you that first.", "And that is why Imam al-Tirmidhī narrates in his jāmi'", "on the authority of Anas that the Messenger ﷺ said,", "مَن نَزَلَتْ بِهِ فَاقَةٌ فَأَنزَلَهَا بِالنَّاسِ لَمْ تُسَدَّ فَاقَةُهُ", "Whoever experiences poverty and then relies upon people", "to remove that poverty,", "Allah will not remove his poverty.", "وَمَن نَزَلَتْ بِهِ فَاقَةٌ فَأَنزَلَهَا بِاللَّهِ", "فَيُوشِكُ اللَّهُ لَهُ بِرِزْقٍ عَاجِلٍ أَوْ أَهْرٍ", "But whoever is touched with poverty", "but then relies upon Allah to remove it,", "then his provisions are making their way to him", "سُنَ أُولَيْتَهُ", "اللَّهُ أَكْبَرُ" ]

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[ "This time it is Bluebird from American Express.", "It is actually way better than other prepaid debit cards.", "There are two ways to get this card.", "You can buy a set up kit for $5 at Walmart.", "The better idea is to register online or through the mobile app.", "Once you register they will send you a personalized debit card.", "To the mailing address that you provided.", "They are not sending cards to post office boxes.", "After you complete registration you must also verify email address.", "Start adding money to this card after all steps are passed.", "You don't want to lock money until the card is active.", "Don't be fool.", "So what are the benefits?", "Most cards from Chime, Netspend and others use Visa.", "Visa or MasterCard.", "Without any benefits.", "First this Bluebird card will bring you all the benefits of Amex cards.", "For example there is purchase protection.", "Phone or computer is probably the best use case.", "Food and other disposable products are not eligible for insurance.", "You will also get a free ATM access.", "There are more than 30,000 ATMs.", "Money Pass ATMs.", "You can also pick up cash.", "Cash at more than 4500 Walmart stores.", "But this withdrawal will cost you a fee.", "You can send money to anyone using Bluebird to Walmart Money Transfer.", "For a fee.", "Zelle is not available for this prepaid debit card.", "You can pay bills using this card.", "You can enroll into Early Direct Deposit and receive your salary up to 2 days earlier than", "in other banks.", "You can add money to the Bluebird account at virtually any Walmart store at register.", "For free.", "You can also use Mobile Check Deposit.", "You will have access to the money after 10 days.", "Or you can access the money for a fee.", "You can give up to 4 cards to anyone you choose.", "And then you can set a limit on spending.", "You will also have an access to 24 hours.", "There is also roadside assistance.", "If your car breaks, you can call an emergency service and they will coordinate all the services.", "But keep in mind that you will be responsible for third party costs.", "There are some reasonable vehicle exclusions.", "Last topic is fees.", "The card price at retail locations is $5.", "Cash at participating retail locations is $5.", "Withdrawal at non-money pass ATMs will cost you $2.50.", "Cash pickup will cost you $3 per $500.", "It will cost you $3 for $500.", "Bluebird to Walmart transfers will cost you $4.", "You can also add money from your another bank account.", "Another important limit is that your account cannot have more than $100,000 at any point.", "And you cannot earn more than $100,000.", "That's all.", "What do you think?", "Will you open this account?", "Let me know in the comments below.", "Watch my other videos here or here.", "Thanks for watching." ]

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[ "that are looking to get auto loans to go to? Is there any specific places you'd recommend them to", "go? Is it the dealership, banks, credit unions? What would you recommend for people?", "I would suggest looking at local credit unions first. If you can't get into a local credit union", "because they are generally exclusive for their members, start looking at some of the national", "credit unions because they have a much lower threshold for entry and even worldwide credit", "unions. If you can't get into any of those, traditional banks would be your next guess.", "Outside of that, you might just have to go with the auto loan lender that the dealership has chosen.", "This is basically how to get the loan, the pre-approval before you ever walk into the", "dealership. You have one, maybe two hard inquiries. You're going to have typically better rates", "because credit unions are for non-profit. Go to your local credit unions, then go to the big banks.", "See what happens there. Absolute worst case, you can go to the dealership, but just be aware that", "you're probably going to incur quite a bit of inquiries while you're doing that.", "Try to get that auto loan." ]

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[ "वीडियो को आप एंड तक देखते रहें चैनल पर अगर आप नए हैं तो सब्सक्राइब करके बैल आइकन को प्रिस करें पंजाब नेशनल बैंक में आर्डी अकाउंट बुक करने के लिए हम पी एंबी वन एप का यूज करेंगे आपने अभी तक ये एप रजिस्टर नही", "किया है तो गूगल प्ले स्टोर पर आपको एप मिल जाएगा आप पहले इसका रजिस्टरेशन कर लिजिए फिर आप जैसे ही एंपिन एंटर करके लोगिन करेंगे तो आपके सामने पी एंबी बैंक का होम इंटरफेस आएगा आप देख सकते हैं हमारा सेविंग अकाउं", "ओपन एप डी आग्री का ऑप्शन मिल जाएगा इस पर आपको एक बार क्लिक करना है यहां पर दोस्तों अकाउंट एंड सर्विसेस देखने को", "यहाँ पर शो करेगा, monthly deposit amount, आप monthly deposit कितना करना चाते है,", "RD account में आप monthly कितना save करना चाते है, कितना invest करना चाते है,", "वो amount आपको यहाँ पर enter करना है, for example मैं यहाँ पर 1000 रुपीज", "enter करता हूँ, example के लिए आपको बता रहा हूँ, आप ज़्यादा amount की", "RD book करना चाते हैं, तो वो भी कर सकते हैं, फिर दुस्तों आपको अपना", "tenure select करना होगा, tenure आप select कर सकते हैं, maximum आप यहाँ पर", "10 year तक का tenure select कर सकते हैं, मैं यहाँ पर 1 साल का", "tenure select करता हूँ, and यहाँ पर 6 month का भी एक tenure ले लेता हूँ,", "फिर मैं ओके पर click करता हूँ, आप चाहे तो यहाँ पर show maturity पर", "click भी कर सकते हैं, कि आपका maturity amount कितना होने वाला है,", "वो पहले से आप यहाँ पर देख सकते हैं, फिर दोस्तों आपको यहाँ पर", "account opening date देखने को मिलेगा, आप कौन सी date को", "already open कर रहे हैं, auto debit आपको yes पर click करना है,", "monthly installment deduction date, आप जिस date को already open कर रहे हैं,", "वो date यहाँ पर mentioned रहेगी, और हर महिने की इसी तारिक को", "आपके saving account से, पैसा debit होके,", "आपके rd account में automatically deposit होता रहेगा,", "तो आप चाहे तो इस date को change भी कर सकते हैं,", "आगे आपको एक options मिलेगा, अपनी मन चाही date आप यहाँ पर select कर सकते हैं,", "फिर उस date को आपका amount है, वो debit होता रहेगा,", "और rd के account में deposit होगा,", "nomination आपको यहाँ पर yes पर click करना है,", "आपके account में जो भी nominee है, वो यहाँ पर automatically आजाएगा,", "मैं यहाँ पर yes पर click कर लेता हूँ, उसके बाद आपको view summary पर click करना है,", "दोस्तो जैसे आप view summary पर click करते हैं, तो आपके सामने एक नया page open हो जाएगा,", "confirm below detail to open recurring deposit,", "account opening date यहाँ पर आएगी, deposit amount हमारा 1000 है, आप देख सकते हैं,", "और tenure मैंने select किया है, 1 year 6 month का,", "auto debit यह से, monthly installment date हमारा 25 of every month है,", "interest rate में दिया जा रहा है 6.80% का, जो कि कापी बढ़िया है,", "without किसी risk के आपका पैसा deposit भी हो रहा है, save भी हो रहा है,", "and आपको यहाँ पर interest भी मिल रहा है,", "आपके maturity amount भी यहाँ पर बताया जाएगा, उसके बाद में आपको confirm पर click करना है,", "अपने transaction pin एंटर करेंगे, तो फिर आपके सामने इस तरह का page आ जाएगा,", "हमारा successfully RD account ओपन हो चुका है,", "अपने RD के number यहाँ पर आ जाएगे, account opening date आ जाएगा,", "deposit amount आ जाएगा, tenure आ जाएगा,", "auto debit यह से, monthly installment कब debit होगा,", "and maturity amount यहाँ पर show करेगा,", "आप देख सकते हैं, यहाँ पर deposit 1 हमारा RD account यहाँ पर show हो चुका है,", "RD account show हो चुका है,", "और हमने जो RD के लिए amount book किया है, वो भी यहाँ पर बता रहा है,", "आप अपने transaction को भी in future track कर पाएंगे,", "और इसी process को आपको follow करना है,", "जब भी आपको RD account ओपन करना है,", "पिन बी 1 app के माध्यम से,", "आप घर बैटे, पंजाब नेशनल बैंक में recurring deposit,", "RD account है, वो ओपन कर सकते हैं,", "book कर सकते हैं,", "same to same process आपको follow करना है,", "अगर आपका कोई भी confusion है, कोई भी doubt है,", "तो आप वीडियो के down में comment किजिए,", "और हाँ दोस्तो आपने जो भी deduction date select किया है,", "उस date से पहले आपको अपने saving account में पैसा रखना है,", "जो कि आपके RD account का है,", "क्योंकि वो automatically debit होने वाला है,", "और आपके recurring account में deposit हो जाएगा,", "I hope ये information आपके लिए बैतर रही होगी,", "वीडियो अगर आपको अच्छा लगा हो तो एक like कर लिजे,", "share किजिए अपने दोस्तों के साथ में,", "और हमारे channel credit shati को आप subscribe किजिए,", "ताकि आपको ऐसे ही वीडियो की information सबसे पहले मिले," ]

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[ "The first credit card is one that has a very low limit, let's say $2,000.", "And that's the number you use on all the online services.", "If they get hacked, nobody can spend more than $2,000.", "That's how you protect yourself.", "The other card is the one you use when you actually buy things that are not online.", "And perhaps those purchases can be much more expensive." ]

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[ "home ownership?", "I'm going to tell you my top three and some bonuses to get you started to be knowledgeable", "about your credit.", "This is Shahida Hill, getting you over the hill to home ownership and helping you confidently", "buy your first home.", "Please like and subscribe to my channel for new videos every week.", "Let's start with number three on my list.", "I did a video about where you should start and one of the places I want you to start", "is to know your six numbers.", "If you haven't watched that video, I'll put it in the description.", "One of the things I told you to do is to make sure you know your credit scores.", "I did mention Credit Karma.", "In Credit Karma, a lot of people in the comments were saying how inaccurate Credit Karma is", "when you're trying to get your accurate credit score for your mortgage or your mortgage application.", "It is true.", "Credit Karma is usually a lot inflated.", "Some people say 40 points to 50 points more than what your actual mortgage credit score", "is when they actually pull your credit for the application.", "I do agree, but there are so many people on it, that's still my number three.", "Number three is Credit Karma with a combination of Experian.", "These two free resources will give you some idea of what your credit is.", "Experian has a free credit monitoring and Credit Karma has a free credit monitoring.", "It will give you a general idea of what your credit score range is.", "However, know this, that it might be higher than what is going to be actually pulled from", "the mortgage company.", "At least as a starting point, especially if you are far out and you're trying to just", "get an idea of what your credit is.", "Those two things together will give you a starting point.", "I'm getting these three.", "I have a first three.", "I have a first time buyer's Facebook group.", "I took a poll in that Facebook group as to what they thought were the best credit monitoring.", "That combination, Credit Karma and Experian together, people voted as number three.", "Let's move to number two.", "Number two is one of my favorites.", "It is Credit Wise by Capital One.", "Credit Wise is with TransUnion.", "There are three credit bureaus, TransUnion, Experian, and Equifax.", "This one is linked with TransUnion.", "It's going to give you your TransUnion credit data.", "What I like about Credit Wise the most is that it gives you a simulator.", "You can say if you do certain things with your credit, what would be the impact to your", "credit score?", "I like the credit monitoring.", "It monitors your credit and it gives you the simulator so you can use to see how you can", "manipulate your credit to find out how you can improve your score.", "I'm a big fan of Credit Wise.", "I actually use it a lot.", "I'm a big fan of Credit Wise.", "I actually use it a lot.", "I actually use it myself.", "If you are just getting started with credit and you don't know exactly what credit is", "all about, please watch this video about how to get a perfect credit score, near to perfect", "800.", "If you follow some of these things, it also tells you how to fix your credit.", "What's my number one or my first time buyer's Facebook group number one choice?", "It is MyFICO.com.", "My FICO is paid.", "You would pay for different levels.", "There's one level for one to monetize.", "There's one for two credit bureaus.", "There's one for three credit bureaus.", "It is a paid monthly subscription.", "For those of you that are very serious, very close to home ownership and trying to get", "your ducks in a row and get your credit together, this has proven to be the most accurate as", "to what the mortgage companies are going to see.", "If you're looking for a credit monitoring site that's going to give you everything you", "need, then MyFICO won in the poll.", "I want to give you a couple of bonuses.", "Number one, my first bonus is that when you have any major credit card, most of the major", "credit cards are giving you your free credit score every month with your statement.", "If you have any major credit card, a Visa, Discover, MasterCard, that credit card probably,", "if you haven't logged in to see it, Bank of America does it.", "A lot of the banks do it as well.", "They're giving you usually your FICO score.", "Either they're pulling it from, most of them pull from TransUnion.", "I don't know.", "Maybe TransUnion has a discount or something.", "A lot of them are pulling from TransUnion and giving you your free FICO score from TransUnion.", "That's another free way to get a credit score that you don't have to pay for.", "The other thing I want you to do, if you haven't already, again, if you're just new to credit,", "trying to figure out how to get your credit where it needs to be, please watch this video.", "You are entitled to free credit.", "They're even giving more with coronavirus being how it is and people are monitoring", "their credit more.", "They're giving more copies.", "In general, they give you one free credit report from each of the credit bureaus on", "annualcreditreport.com.", "It's the only one where the government authorizes them to give you a free credit report once", "a year.", "It's not like an outside party where they're going to try to sell you something later.", "With that, when you get your credit report.", "You also can buy your score from Experian, TransUnion, and Equifax.", "It just doesn't, unless you enroll in it, it doesn't include credit monitoring as well.", "It just gives you a one-time snapshot of what your score is and you pay individually for", "each score.", "That's another option for you.", "I definitely want you to know your numbers.", "I want you to know all three of your credit scores.", "I want you to know three total.", "I think last time I said, I don't know.", "I said all three credit scores.", "Each bureau gave you three.", "There are three total.", "One is going to be coming from Experian.", "One is going to be coming from Equifax.", "The other one is TransUnion.", "The mortgage company is going to use the middle score of the three.", "If you have one score that's a 600, another score that's a 700, another score that's an", "800, they're going to use that 700, the one that falls in the middle.", "Not the highest, not the lowest.", "They're going to use that middle score.", "They're going to use that middle score for qualifying purposes.", "If you are applying with a co-borrower, usually your spouse probably, they're going to use", "the lowest of the two of you.", "They'll pull all the scores and they'll use the lowest middle score from both couples.", "If you haven't watched my video on married buying a house, watch that or watch my pre-approval", "video.", "That's very helpful in knowing how they approve you for your mortgage.", "Thank you so much for watching.", "Please like and subscribe to my channel for new videos every week.", "I'll see you in my next one." ]

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[ "Certificate of Deposit. In this video we will show you. The interest rate it offers, terms,", "fees, requirements, and our conclusion. As always, at the end of this video,", "you have a comparison with the 10 best certificates of deposit that you can open in the United States.", "You also have more related videos in the description of this video. Let's start.", "The maximum interest rate you can get with Bank of America is 3.90% APY. An interest rate of 3.90", "APY is not a competitive interest rate because there are banks that are now offering up to 5%", "APY. The terms of the Bank of America Certificates of Deposit are very limited,", "ranging from 7 months to 37 months. Most banks offer Certificates of Deposit for up to 5 years.", "As if this were not enough,", "to open the Certificate of Deposit, you have to pay a fee of $1,000.", "To open the Certificate of Deposit, we must make a minimum deposit of $1,000.", "There are many banks in the United States that do not have a minimum deposit.", "Bank of America CD has no monthly fees, and opening the Certificate of Deposit is free.", "Also add that Bank of America is member to the Federal Deposit Insurance Corporation,", "so your money is insured up to $250,000. Even if Chase goes bankrupt, your first $250,000", "would be safe. While there are many banks that offer penalty-free Certificates of Deposit,", "Bank of America is not. If you think you may need the money before the agreed term,", "do not open this deposit. Penalties for early withdrawals are.", "If the Certificate of Deposit is less than 90 days, the penalty is 7 days without interest.", "If the Certificate of Deposit is for a term between 90 days and 12 months,", "the penalty is 90 days without interest.", "If the Certificate of Deposit is for a term between 12 months and 90 months,", "the penalty is 180 days without interest. If the Certificate of Deposit is for a term", "greater than 60 months, the penalty is 365 days without interest.", "To open this Bank of America Certificate of Deposit, you will need to have a Bank of America", "checking account. You must be careful since Bank of America forces you to have a direct deposit to", "avoid paying monthly commissions.", "Both here above and in the description you can see which are the 10 best checking accounts in", "the United States. In this slide you are seeing the terms and yield. As we talked about, the", "maximum interest rate is 3.90% for 13 months. The 7-month and 25-month terms also offer interest", "above 3% APY however, the 10 and 37-month terms offer a ridiculous 0.05% APY. Finally, you are", "seeing a comparison of the 10-month and 25-month terms. The 10-month and 25-month terms offer a", "ridiculous 0.05% APY. Finally, you are seeing a comparison of the 10 best Certificates of Deposits", "that you can open in the United States in 2023. There are CDs that you can open with an interest", "rate of up to 5% APY and that also have no minimum requirements. Another fact to take into", "consideration is that the 10 Certificates of Deposits offer more than 4.50%. For this reason,", "our conclusion is that Bank of America does not offer a competitive Certificate of Deposit", "and must greatly improve returns if it is to win the Bank of America Certificate of Deposit.", "solutions that be in the course of actual investment and mutual funds.", "Thank you for understanding and watching video. Please leave your comments below", "to let us know which ones you prefer to hear and do not just please us. New or", "ик File will be fitted straight andま, we will have a look at the candidature structure", "of 10-ppy terms for FF, IMF practicing envelope price projects.", "We do not have the PM block at keywords or minimum Yogurt and you can apply for Fees", "application from the file.", "articles that obvious the reasons for using the phrase and market price method the management", "of" ]

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[ "So I've been a SoFi customer since May, 2019.", "Before that, I had a handful of different bank accounts.", "And since I created this YouTube channel", "a little over a year or so ago,", "I probably opened a new bank account at least once a month", "to do a review for all of you.", "And I have not been able to find something", "to beat my SoFi account.", "So in this video, I'm gonna tell you", "why I continue to use SoFi as my main bank account,", "but this will be a balanced review.", "So I'm gonna tell you what I like", "and also the areas that I think SoFi could improve.", "One nice thing with SoFi, potentially for both of us,", "is their welcome bonus and referral offer.", "So you can get up to $275 by creating your account", "and setting up direct deposit.", "So it's split into two parts, the referral offer.", "So you can use my referral link", "that's down below in the description", "or one from somebody else,", "where if you deposit $10 or more in your account,", "you'll get $25.", "Then you can get an additional 50 or $250", "depending on how much you set up with direct deposit.", "The fine print on that is down below at the bottom", "of the page where you're signing up for your SoFi account.", "So free money aside,", "let's talk about the main reason I continue to use SoFi", "as my main bank account since 2019,", "and it's the interest they pay on your balance.", "So it used to be called SoFi money", "and both your checking and savings account were one.", "You'd earn the same interest on both checking and savings.", "That's changed more recently,", "where currently you can earn 3.5% on your savings account", "and 2.5% on your checking account.", "So for checking accounts,", "essentially all checking accounts pay zero interest.", "There are a couple that pay some small amount of interest.", "So for example, Ally Bank pays 0.25%,", "where SoFi is paying 10 times that.", "So that's the difference we're talking about.", "I think maybe one other bank is 0.1%,", "a quarter of a percent or zero versus 2.5%", "or 1.2% without direct deposit.", "That's much higher than anywhere else.", "So at a minimum for your checking account,", "I really recommend using SoFi.", "Then if we talk about the savings account,", "so 3.5% is near the top for high yield savings accounts.", "So I've been doing videos every couple months or so", "on the top high yield savings accounts,", "and SoFi is always near the top.", "So all the time I know direct deposit with SoFi,", "my checking account way above anywhere else,", "and the savings account is in the ballpark", "of the best high yield savings accounts.", "Another important feature for me", "when choosing a savings account", "is the ability to save for individual goals.", "So in the case of SoFi, these are called vaults.", "They could be called buckets.", "There's a bunch of names for them,", "but essentially if you're saving for different things,", "so a down payment on a home,", "a new car, a trip,", "or the case of what I just set up with SoFi", "is having $600 for holiday shopping come December.", "So to reach that goal,", "or I'd have to set aside $50 per month", "into one of my vaults at SoFi,", "and then December 1st,", "I'm depositing the first of every month,", "I'll have $600 in my account.", "Of course, I would use a credit card", "versus paying for it directly with my SoFi debit card.", "But when the bill comes in January for my holiday spending,", "I know that I have that $600 set aside", "to pay for that bill.", "So this is a great way to not find yourself in debt,", "to save for things that you know", "that are gonna happen in the future.", "I have a whole video about this.", "The main topic you'll hear sometimes is called sinking funds.", "So if you wanna learn more about that,", "check out the video up above right here.", "Another benefit with your SoFi account", "are local cash back deals.", "I've only used this once or twice,", "but you can get up to 15% cash back", "with local businesses in your area.", "I think the one time that I did this that I at least remember,", "I got 10% cash back.", "I just opened up the SoFi app just a minute ago", "and found five deals, I think, with 4% cash back.", "So something I would check periodically", "and see if there's any businesses in your area", "where you can earn up to 15% cash back.", "Another debit card feature are roundups.", "So if you're someone who shops through your debit card,", "you can essentially purchase something with your debit card.", "Say it costs $2.50.", "They round that up to $3 and take the extra 50 cents", "and put that into your savings account", "or a specific vault within your savings account.", "I don't tend to shop using my debit card,", "but if you do use your debit card", "and want to save more money,", "this could be a good way to on autopilot", "add some extra cash to your savings account.", "In general, with your SoFi account, there's no fee.", "So no minimum balance fee, monthly fee, overdraft fee,", "or anything like that.", "So you don't have to worry about looking at your statement", "and being charged for a whole bunch of things", "with your SoFi account.", "And also in terms of overdrafts,", "if you don't have direct deposit set up,", "they're just going to decline a transaction that would put", "your account negative.", "If you have direct deposit set up,", "you can essentially have it overdrafted by up to $50.", "They won't charge you a fee for that.", "And then you have a period of time", "to essentially get your account in positive territory.", "But the nice thing, no fees for that feature.", "Also, if you have direct deposit set up,", "you can get paid two days early into your SoFi account.", "Another benefit that I see with SoFi", "is their growing portfolio of products,", "as well as how they continually improve", "and add new features for each one of their products.", "So I have the credit card,", "I have a couple invest accounts.", "And taking the example of the invest accounts,", "I've seen them roll out new features over time.", "For example, investing in IPOs,", "options trading, margin accounts.", "There's not necessarily things", "that I'm taking advantage of right now,", "but it's nice to see that over time,", "there's more things you can do all within the same platform.", "Now let's talk about some of the negatives", "of the SoFi checking and savings account.", "The first is the fact that you need to have", "direct deposit set up to earn the higher interest rate.", "So as I mentioned before,", "the savings account, 3.5%,", "the checking account, 2.5%.", "Without direct deposit though, it's just 1.2%.", "So for a savings account, that's not all that great,", "when other ones will pay you three and a half or even 4%.", "The checking account, well, most checking accounts pay zero.", "So it's still head and shoulders above all other accounts,", "but you're earning half the interest without direct deposit.", "Another thing related to no physical branches", "is the difficulty of depositing cash.", "So if you want to deposit cash,", "in your SoFi account,", "you can do that at Walgreens and other places,", "but you're going to be charged a fee of 495,", "or at least that's what I was charged", "when I did it a couple of months ago.", "Most online banks compared to SoFi", "don't let you deposit cash at all.", "So I guess that's a benefit in a way that it's available,", "but to pay $5 to deposit a hundred, a couple hundred dollars", "is really, really high in my opinion.", "So if depositing cash is important to you", "and you want to have an online bank,", "maybe consider opening a Chime account,", "or an actual bank that has branches near you.", "So those are my thoughts on SoFi checking and savings.", "The negatives, I don't view as deal breakers,", "the high interest rate, the vaults,", "the other products they offer is why I think SoFi", "is the best bank in 2023.", "If you want to sign up for a SoFi account", "and get some extra free money,", "you can do that with my link down below in the description.", "If you think there's a better bank out there,", "let me know down below in the comments.", "If you want to see my other review videos,", "you can do that right here.", "Hope to see you in another video.", "Bye-bye." ]

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[ "Credit Card from Chase. This is definitely one of the most popular business credit cards out there,", "and for good reasons. So we'll cover the main things you need to know about this card", "in today's video. We do, however, have a full review on our website. So some of you may even", "be watching this video that's embedded in our full review. If that's you, you're in the right", "place. If you're watching on YouTube though, we will link a bunch of helpful articles,", "including that full review in the video description below. So you can get really", "smart on this credit card. For this video, it's more of an overview. So let's talk about the", "rewards first. Now, since this is a business card, naturally it earns the best rewards in categories", "where a business might spend a lot of money. And that's ultimately perhaps, you know, the most", "important thing to consider when you're looking for a credit card for your business is the rewards", "and the reward categories. So the first thing is the card earns three points per dollar spent", "on travel, which by the way, is actually a very good thing. So if you're looking for a credit card", "really broadly defined travel category, a relative to a lot of other credit cards out", "there. Also you earn three points per dollar spent on shipping three points per dollar spent on", "internet cable and phone services and three points per dollar spent on select advertising purchases.", "And that is up to a combined yearly spending of $150,000. After you reach that amount for all", "those categories combined, then you would actually earn one point per dollar spent.", "And then for general purchases, you would earn one point.", "So overall, I would say the rewards are pretty solid, but you still should do a mock budget to see in which scenario you come out ahead.", "So you should compare this card against some of the other, you know, popular, maybe flat rate business credit cards out there.", "And you need to make sure you factor in the annual fees and the other benefits that the card might offer.", "You can see the annual fee situation for this card here on the screen.", "Just make sure that you run through what you think you'll earn in terms of the rewards.", "And then make sure to subtract out any expected fees along the way.", "And then you can decide between, you know, a popular card like this, but also a card that maybe doesn't earn, you know, points in different tiers.", "It maybe earns, you know, flat rate rewards across all categories.", "My guess is that when you do that analysis, this card will be overall really competitive.", "Now, since this is a rewards credit card, not necessarily a cashback credit card, you have to factor in how many rewards you might earn, but also how you can reduce the amount of rewards.", "So you can see how much you can redeem those rewards and what they would be worth when you do go to redeem them.", "And fortunately with Chase, this card actually earns Chase ultimate rewards points, which are some of the most desirable and flexible points of any, you know, credit card system out there.", "So I think you're in good hands with Chase, but you still want to make sure you're factoring in the quantity of rewards you have, how you can redeem them, make sure that's relevant to you.", "And then perhaps what the redemption value would end up being.", "Now, you can learn more about the different redemption options on our website in our full review.", "But a few of the main ones are cashback and gift cards, and those would have a redemption value of one cent per point.", "But the value of certain different redemption options can vary.", "And then you can also redeem your points for travel.", "Now, when it comes to travel, you have two different main options.", "You can use your points to book travel through the Chase ultimate rewards portal, which is kind of like using Expedia or Kayak.", "And if you go this route, you get a 25% boost on your points.", "And the other option is to transfer your points.", "So you can transfer your points to outside loyalty programs.", "Now, Chase has a number of different travel partners, both hotel and airline groups.", "They have one of the strongest list of travel partners out there.", "I won't go through all of it now because it could be a video in and of itself, but you can read more about that in our full review.", "That can be a great way to maximize the value of your points.", "In addition to that, Chase has made it so you can add employees to your account free of charge, and you can also set individual spending limits per employee.", "And the best part is that your business, you earn the rewards for the spending that your employees do.", "Also, the card comes with a number of additional perks, far too many for me to list here, but those would include things like certain types of added insurance, additional protections, $0 fraud liability.", "You can learn about those in our full review.", "I would say if you end up using one or two of those every so often, they could make the card worth it in and of themselves.", "So you should definitely look at it.", "And I would say if you're looking for a card that's worth it, you should definitely look through those additional benefits because I don't think, you know, I think a lot of people, when they talk about the card, they overlook them, but they're pretty powerful and you should peruse our full review to see those additional benefits.", "So overall, I would say it's definitely warranted for people to consider this one of the best business cards out there.", "You should always compare it to other cards though, and that's why creditcards.com exists.", "So check out our website, check out our full review.", "That's it though.", "Have a great day.", "Bye." ]

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[ "of deposit, also known as the acronym CDs. It's a different type of savings account.", "When I first started saving money for my children and I, I opened up CDs. The special easy start", "is my favorite. You can open them with a minimum of $50 in each account. I have six children,", "so I have six of those plus one for myself. These are my favorite if you're just starting out", "because you can open them with as little as $50 each and you can add to them whenever you feel", "like it. The only downside is the maximum that you can contribute is $3,000 each. You can keep", "these open for six months to 24 months. I feel like these help better with saving money because", "you can just put such a little bit in and you know, in order to take it out, you got to call", "them. And most of the time you don't want to call and you're going to pay a little bit of a fee when", "you withdraw early. So this is a great saving." ]

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[ "talk a lot about personal finance and credit cards and today we'll be reviewing the Chase", "Inc. Business Unlimited card. But before we dive into that, if you could all do me a huge favor", "and smash that like button and subscribe, it's a free way of supporting this channel. It'll help", "me out tremendously with the YouTube algorithm and also if you want two free stocks on Webull,", "I have my link down in the description below. So like I said earlier, we'll be reviewing the", "Chase Inc. Business Unlimited card. Now this is one of three of the Chase Inc. cards and this is", "I would say like the entry level for the Inc. cards. Now starting off, it's a zero annual fee", "card and as of July of 2021, there's a signup bonus of $750 cash back after you spend $7,500", "within the first three months of opening your account. Now keep in mind for this cash back", "signup bonus,", "if you're wondering how you'll be receiving that, whether it be like a statement credit,", "you're actually going to be receiving it in points. So you'll be getting 75,000 points on it", "and Chase just markets it as a $750 cash back because that's going to be roughly equivalent", "to how much points it will be. So good news is if you have like the Chase Sapphire Preferred card or", "the Chase Sapphire Reserve card, you'll be able to transfer those points over to that card and", "then you can get a better value for your points if you're going to be using the Travel Portal,", "for example. Now when it comes to rewards offering,", "you'll receive 1.5% cash back on all purchases coming out of행inrc���?", "Now just like the signup bonus,", "you're receiving back in points is just marketed like that by Chase and if you're wondering", "what the breakdown is from points to dollar is $1% percent. So if you spend a dollar,", "you'll be getting a hundred points back. And because this is a business credit card,", "there are no fees for any authorized users. So if you're a small business owner, for example,", "this is a great option for you to give your employees a company credit card to use", "to make their purchases and transactions. But just in case, you want to use that card and not bc down it's not a f.", "Now, just like the signup bonus you're receiving back in points, it's just marketed like that by Chase.", "And if you're wondering what the breakdown is from points to dollar, it's one point per cent.", "So if you spend a dollar, you'll be getting 100 points back.", "And because this is a business credit card, there are no fees for any authorized users.", "So if you're a small business owner, for example, this is a great option for you to give your employees a company credit card to use to make their purchases and transactions.", "But just keep in mind that you are responsible for any transactions that go through on this account.", "Assuming they're not fraudulent transactions, obviously.", "But just keep that in mind and you might be only giving this to trusted employees.", "Now, when it comes to benefits for this card, there's not a whole lot of benefits, but there are a few.", "And that includes a purchase protection.", "So from the original date of purchase, you have 120 days to file a claim and $10,000 per claim and up to $50,000 per account.", "And it also comes with a one year extended warranty plan from the original manufacturer's warranty.", "Now, for any traveling benefits, there are no.", "Trip insurance or a trip cancellation insurance, but it does come with a baggage claim insurance.", "So if you have a delayed baggage of a minimum of six hours, you can get $100 per day up to three days for this account.", "Now, some things worth mentioning with business credit cards in general is that there's usually a higher spending limit required in order to hit a signup bonus.", "So if you're getting this card solely for the signup bonus, you just want to make sure that you have maybe some bigger purchases planned ahead of time.", "So that's easier for you to hit that.", "Bonus.", "Now I can't guarantee this to you guys because chase themselves don't even acknowledge the existence of the 524 rule, but through numerous articles and personal testimonies, I can say that if you apply for an ink card, it won't raise your own 524 rule.", "So you should be safe when applying for these cards.", "Now, a common question I get when people want to apply for business credit cards.", "Is do I need to have a business?", "And obviously the short answer is yes.", "But however, business is a very general term use.", "Now, whether you're selling on Amazon, eBay, doing your own craft business on the side, or even doing something very small as selling cookies or reselling shoes that counts as a business.", "And when it comes to the application part for the form, you can register it as a sole proprietorship.", "And for the business tax ID, you can use your social security number for that section.", "So if you're wondering if you need to set up an LLC or an escort for your side business, you don't need to do any of that.", "It's not necessary when applying for a business credit card.", "It's very similar and simple as in just applying for a regular credit card.", "Now, in closing, although this is a plain card with not a whole lot of benefits, I still think it's a pretty solid card to get, especially if you have a side business going on and want to keep your business transactions separate from your personal transactions.", "I think it's a great idea to get this card.", "And for me.", "Personally, I see myself getting this card maybe in the near future because you get that $750 cashback bonus.", "And on top of that, like I said earlier, you can transfer those points out to another card such as the preferred or the reserve.", "So I think it's a great card to get.", "But let me know down in the comments what you guys think of this card.", "And if you're already a user, I'd love to hear your thoughts and comments on if you like it or dislike it.", "But I will be reviewing the other Chase Inc.", "cards. So subscribe and stay tuned for that.", "But until next time, guys.", "Shoots!" ]

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[ "same customer, Tabitha Ratched. The point of this video is to show you the difference between", "bad and great customer service and what I want you to do is to notice the difference between the two", "and then comment down below your observations. All right, let's begin.", "Thank you for calling Questron. This is Claire. How may I help you today?", "I still have not received my order. You said I would receive it on the 20th. It's on the 22nd.", "Still nothing. I don't know what's going on, but if it's not too much of a bother to you,", "I would really, really not love to get what I paid for. You know what I mean?", "Okay. May I have the order number and your first name?", "498-4977, Tabitha Ratched.", "Thank you. Let me just check that here.", "Okay.", "I mean, it's ridiculous. If there's a delay, you could just tell me. It's not like you don't", "have my email or anything. You didn't notify me at all. If I forgot that I'd ordered it,", "which by the way happens sometimes, then I'd completely be paying for nothing.", "One moment, please, while I check your order status.", "Unbelievable. Are you even listening to me?", "I am. That's why I'm going to check the status for you, okay?", "Okay, fine. Go ahead.", "Thank you.", "Let me see.", "Okay. According to the FedEx note here, your parcel was delivered on the 20th at 10 a.m.,", "and it was left on the front porch, according to the notes.", "What? You're kidding, right? Okay. Okay. First of all, my apartment has no front porch.", "Second, the only way to deliver parcels in a residence is by leaving them to the concierge.", "That's it.", "Third, I was at home the whole day on the 20th, and no one, literally no one,", "knocked on my door or called my number to notify me of a parcel. So, whatever this FedEx guy is", "saying, he's lying, okay? He's lying. Have you tried checking with the", "building's concierge to see if they have kept a package for you, or?", "I just checked this morning, and the answer is no. There's no parcel. Otherwise, it wouldn't be", "calling.", "How about your neighbors? Have you checked with them to see if they received your parcel?", "Just what line of questioning is this? Are you saying that my neighbor stole my parcel?", "No. No, no, no. I'm not saying that. What I'm saying is they might have received your parcel", "while you were away.", "You're not listening to me. I told you it was in the apartment the entire fucking day.", "If someone delivered a parcel, the concierge would have received it by now. Second, and I repeat,", "the only way we receive parcels here is through the concierge. Nothing else. No front porch,", "nothing.", "No neighbors. We're even asking about my neighbors. They have nothing to do with this.", "And shouldn't you be questioning the fact that FedEx said I have a front porch when I clearly don't?", "Tabitha, I'm just doing my job. This is a standard protocol. We have to make sure that", "the receiver has checked all the possible places the parcel could have been delivered.", "I know, but do your job right. You're not even trying. I've been spending my time here listening", "to you, and the only thing you're doing so far is asking me dumb questions. Like, what kind of", "service is this? I just want to get what I paid for. Is that so wrong to ask?", "Please calm down, Tabitha. I'm here to help you.", "Then help me. And for God's sake, do it well. Jesus Christ.", "Tabitha, I'm sorry that this happened to you, but...", "Oh, yes, I bet you are.", "Okay, for us to resolve this, I will send you an email. Please reply to that email", "to confirm in writing that you did not receive the parcel. After that,", "I'm going to...", "I'm already talking to you. What do you need me to email you for? I'm telling you right now,", "I did not receive my parcel. So do something about it now.", "It's not that simple, Tabitha. You have to confirm in writing because that's what we're", "going to show FedEx so they can begin the investigation. So no, this is necessary to", "prove that we are not making this all up. Once a claim is filed, we will investigate.", "And depending on the investigation, it will take seven,", "around seven days.", "Seven business days, and then we can refund or replace or find your missing parcel.", "Or I could just file a dispute and get my money back. You know that I'm being nice right now,", "right? I am contacting you first when I could just have phoned my bank and mark you as fraud", "in an instant. You know that, right?", "I wouldn't recommend that as that might poorly reflect on your credit score, especially that", "it shows delivered, you know? So the best option I can recommend is to let us file a claim on your", "behalf. That's what I recommend.", "You know what? With the ridiculousness of the situation, I can't even bring myself to be mad", "anymore. Like, what is the point anyway? You basically have the emotional intelligence of a", "peanut. So I envy you. That's for sure.", "Okay, so how would you like to proceed?", "Well, it's not like I have a choice. Take care of it. Deal with FedEx. I didn't pay you to make", "me file the claim myself. So...", "Okay, so after you confirm through email, you can file a claim.", "Now that you did not receive your parcel, I will file a PDNR for you.", "What's PDNR?", "It means parcel delivered, not received, and it will take five to seven business days.", "Okay. What happens if the parcel isn't found? Is the replacement available in", "your warehouse? I need a replacement for that. I want a refund.", "Well, since this is a dropship item, we don't have the item in stock in our warehouse. So I", "would first have to check with the dropship team for its availability.", "But yes, I will take note of that.", "What's a drop ship?", "It means that the item is in another warehouse,", "and we don't have the inventory for it,", "so we will first coordinate with the supplier.", "You know what? You are making my head spin.", "So, let me get this straight.", "Seven business days for the investigation,", "and if not found, which is probably the case 99% of the time,", "you can check with the team if it's available.", "And then what?", "What? Another seven days to deliver the replacement?", "Yes, correct.", "Mm-hmm.", "Well, I tried to be nice to you guys,", "but it seems like you left me no other choice.", "I will file a dispute, and I will never shop from your site again.", "Tabitha, as much as I would like to help you,", "this is the best I can do for you.", "I have to follow the company policy.", "As I said, we can issue a replacement,", "but we first have to file a claim,", "and that will take five days.", "So, seven business days.", "If that is too long for you to wait,", "which I understand,", "I suggest that you place another order", "with a different shipping address", "while the investigation is ongoing,", "and we will just refund you for the first parcel.", "But we first have to wait for the claim.", "Blah, blah, blah.", "Just stop, okay? Just stop.", "I don't care anymore.", "I hope your company goes bankrupt,", "and that no company will ever hire you again.", "Your attitude has been pretty disgusting,", "condescending the moment you picked up a phone,", "and I cannot, cannot,", "for the life of me,", "imagine an employer who would want to hire you", "for that attitude.", "Continue living your miserable life,", "and I'm just going to go ahead and file that dispute.", "Bye-bye.", "Thank you for calling Question.", "This is Candace. How may I help you?", "I still have not received my order.", "You said I would receive it on the 20th.", "It's on the 22nd.", "Still nothing.", "I don't know what's going on,", "but if it's not too much of a bother,", "I would really, really,", "and I'll love to get what I paid for.", "You know what I mean?", "Oh, if it's beyond the promised delivery date,", "we definitely need to look into that.", "May I have your order number and your full name", "so I can check for you?", "That's exactly what I'm thinking.", "Like, I don't understand.", "What's taking so long?", "Anyway, the order number is 498-4977,", "and my name is Tabitha Ratched.", "Thank you, Tabitha.", "I will now go ahead and pull up your order,", "and hopefully I can give you an immediate answer.", "One moment, please.", "Go ahead.", "Thank you.", "Okay, like what she said,", "the estimated delivery date is on the 20th.", "It's not 22nd, so it's two days late.", "Normally, when a parcel is late like this,", "we send an email informing you of the delay,", "so let me visit the FedEx website and track it.", "Thank you, Candice.", "That would be appreciated.", "I actually haven't tried tracking it on the FedEx website", "since you already gave me,", "the delivery date through email,", "so yes, please go ahead.", "Okay.", "According to the FedEx note here,", "your parcel was delivered on the 20th at 10 a.m.", "It said that it was left on the front porch.", "Have you tried checking your front porch?", "What?", "You're kidding, right?", "Okay.", "First of all, my apartment has no front porch.", "Second, the only way to deliver parcels in a residence", "is by leaving them to the concierge,", "and third, I was at home the whole day on the 20th,", "and no one, literally no one,", "knocked on my door or called my number", "to notify me of a parcel.", "So whatever this FedEx guy is saying,", "he's lying.", "Okay?", "He's lying.", "That's definitely odd.", "Have you tried checking with your building's concierge", "to see if they have kept a package for you?", "I just checked this morning, and the answer is no.", "Otherwise, I wouldn't be calling you.", "Yeah.", "Your neighbors also wouldn't happen to,", "to receive it, right?", "Since, as you said, all parcels go to the concierge.", "Correct.", "And if the note says he left it on my doorstep,", "again, that's impossible.", "No one can access our doorsteps here except us tenants.", "So there's clearly a mistake here.", "Yes, that makes sense.", "So here's what we're going to do, Tabitha.", "It is likely that FedEx delivered the order", "to the wrong address,", "so I will file a PD&R claim on your behalf.", "It means parcel delivered,", "not received.", "What this does is to let FedEx investigate", "to find your missing parcel,", "and after the investigation,", "we will either refund, replace,", "or find your missing parcel.", "Okay.", "Yeah, and for me to initiate the claim,", "I will send you an email right now.", "Please reply to that email confirming", "that you have not received your parcel.", "Your response to that email is very important", "because that will serve as the documentation", "proving to FedEx that you have not received your parcel.", "You are requesting for us to file a claim on your behalf.", "Okay, whatever happens,", "I'm going to get my refund though, right?", "You're right, of course.", "And the sooner they find your parcel, the better.", "By the way, in the event that the parcel isn't recovered,", "would you prefer a replacement or a refund?", "I need a replacement for that.", "I don't want a refund.", "Okay, I will make note of that.", "And after the investigation,", "which usually takes five to seven business days,", "I will check with the supplier for its availability.", "And then they can process the replacement for you.", "Okay, it's disappointing that this has to happen.", "But okay, whatever.", "At least I don't have to file a dispute.", "To be honest, I was already thinking of calling my bank this morning", "and filing a dispute.", "Yes, this is definitely not the experience that we want you to have,", "but we will try our best to make this as easy as possible for you", "considering the situation.", "I will also...", "keep this case in progress.", "So whatever questions you might have during the investigation,", "you just reply to the same email thread", "and I will be there to answer your questions.", "So let me get this straight.", "Seven business days for the investigation.", "And if it isn't found, you're going to check with the team if it's available.", "And if it's available, another seven days to deliver the replacement.", "Yes, Tabitha, that's correct.", "But of course, if they find the parcel during the investigation,", "then you don't need to wait that long.", "That's already the message.", "Maximum time frame.", "Yeah, well, I hope they do, but I honestly don't have much hope for it.", "But okay, replacement's fine, I guess.", "Okay, yeah, I cannot guarantee that 100% that they would find your missing parcel,", "but there have been cases in the past when they did find the missing parcel.", "And I will, of course, update you throughout the process.", "Okay, so I guess that's my best option.", "What do you need me to do?", "Just reply to...", "Your email saying that I didn't receive a parcel?", "That's correct.", "I have just sent you the email.", "All right, I will reply in five minutes.", "I'm going to have my lunch break.", "What's your name again?", "Candice.", "All right, Candice, thank you so much.", "That's all I need for now.", "I have to go.", "Bye.", "Okay, enjoy your lunch, Tabitha.", "Thank you for calling Questron.", "Bye.", "All right, as you can see, this video is purely mock calls.", "If you want detailed explanations of all the things that Claire did wrong and Candice did right,", "head over to this video at...", "The top, which will be available on my next upload.", "All right, I think that's all.", "That's all for today.", "It's really awkward vlogging outside, but oh, well, I got to get used to it.", "So thank you for watching.", "Bye-bye." ]

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[ "And this is over $100 billion worth. So in about six months, this emergency facility is going to", "be taken off, supposedly. Well, what are they going to do? Where are they going to put that", "money? Are they going to reinvest that? Are they going to have to extend it? Who knows? But it's", "over $100 billion worth. And it shows us that this emergency fund", "is being utilized right now for the banks as a lifeline." ]

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[ "अगर आपने किसी गलत नंबर को UBI से पैसे ट्रांसफर कियें हैं,", "तिन डोंट बरी, यू केन रिकवरी के पहले अपना फोन नंबर,", "विर्चुअल पेविंट, अड्रेस, ट्रांसफर अमाउंट,", "पर रिफ़न्ड पॉसिबल हैं, और आप जल्दी एक करेंगे तो आपके पैसे बच जाएंगे.", "आज ही अपने फ्रेंज और फैमिली के साथ इस इंपो को शेयर करें.", "रहो सतार्ग, बनो स्मार्ट, फॉलो नावी." ]

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