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

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[ "loan source and none other than Chase Bank and I'm sure you're watching this", "you have heard of Chase Bank see the commercial or you have an account with", "Chase Bank right now if you're looking for auto loan up to $100,000 today auto", "financing today for that car that you want or need then definitely want to", "apply with Chase Bank especially if you already member of the bank anyway all", "right so I'm gonna leave this website link pinned in the comments and the", "description box for the video guys you're gonna click it open up this", "website you can apply right here on the website get approved and head down to", "the dealership and get that car we're gonna do a quick walk through the", "website's content and then you can move forward if you want to apply let's get", "right into it finance and drive fine finance and that's right for you get a", "fast credit decision", "you can get a fast credit decision", "competitive rates with 30-day rate lock my guys is mr. Kevin Hart promo I have", "assault my guess it's commercials that we've seen with Kevin I don't know I", "don't remember seeing a chase commercial with Kevin Hart in it though but he's a", "very famous comedian if you don't know who that guy is right here you can just", "simply right now you'll watch this on YouTube anyway so just type in Kevin", "Hart H a RT and Kevin Hart and you'll see his comedy specials and check it out", "you guys will find them on Netflix", "too so a very very hilarious comedian he's also a half", "there so you watch movies about also if you don't know but that is all right get", "a fast credit decision now don't apply now yet guys remembered it if you", "requested up to a hundred thousand dollars more than likely you better", "chance of approval will be this a high credit score and income your income", "needs to be a certain amount of income what are going to prove you for anything", "high for auto finance this is how financing with chase works are you", "simply apply fill in a few details including card choice and and dealer to", "get a credit decision don't worry you can update your car later if needed to", "you're gonna get financing once approved we'll send the details directly to you", "to you and your chosen dealer saving you time and paperwork oh so this is a good", "thing when you get approved they'll send details of you and the dealer so letting", "the dealer know you're on the way you approve for $30,000 so when you get", "there you need to go in with a pep in your step and say hey guys a $30,000 we", "have already approved so I won't this Altima or whatever or whatever you want", "it dead cheap for $27,000 so all right so number three drive off the lot choose", "a car preferences with a dealer Chase is available if any financing changes are", "needed drive off the conference", "now you're gonna be paying chase chase they're gonna pay the dealer everybody's", "smiling now guys you ready to apply you want to click that blue apply now button", "not sure how much you can borrow get pre-qualified okay and this is the best", "thing to do matter of fact to go ahead and check your credit score right now I", "also check your income because that's gonna be a part of it and go ahead click", "pre-qualified get pre-qualified and they'll go ahead and give a", "pull to your credit and you'll find out how much you're gonna be approved for", "before you even move forward with the actual application to get to get the", "auto financing totally approved and go to actual dealership all right choose", "auto choose auto financing you can bank on you can lock in financing terms in", "advance to save time at the dealership know your estimated monthly payment rate", "and feel confident shopping for your car rates a lot for 30 days take your time to shop for your car for $30,000", "easier with thousands of authorized dealer so of course chase thousands of", "dealers and what okay guys it's simple at this most dealers major dealers", "anyway I'm talking about you know you see Ford outside Chevy Mercedes etc", "they're already gonna have the financing available through Chase Bank or any", "other major bank but they're gonna have the financing available through Chase Bank or any other major bank but they're gonna have the financing available through Chase Bank or any other major bank but they're", "make chase making it is making it easy for you guys just go ahead and apply here on the website", "and just go down there and just pick the car you want and drive off make a quick smooth process", "now if you want to use this this calculator here explore rates and payments and for example here", "let's see you want a new car used car but we're going to stick with new and and so you're going", "to stick with the 2023 and the make let's see what we want we're going to just go with the jeep", "you want a new jeep and the state we're going to go with let's say we're arizona", "arizona and estimate credit rating my credit rating is good and amount i need for that jeep", "will be twenty four thousand dollars twenty four thousand so we're gonna get info all right here's", "what they're giving me here all right twenty four thousand credit is good so my estimated", "rate is going to be twenty four thousand dollars and i'm going to go ahead and put it in the box", "monthly payment for 48 months if i pay it off a little faster apr well well they actually apr drops", "if i make if and the payment drops also with 72 months so you make sure you look at that guys", "if you pay it off faster the monthly payment of course is going to be higher", "but if that we're going to go to 72 months you're going to drop it right to 72 months so", "right here so you're going to pay it off in six years", "and your monthly payment for this to pay back this loan will be 453 dollars with a 10.6 apr", "so my credit is good now you can change that if you have very good credit and it dropped apr guys", "all right there's this calculator here says we make car buying simple now these are videos you", "can watch get financing for you at the dealership i allow you guys to watch those remember i always", "leave the website link of the website link in the description box below and i'll see you guys next time", "check out the walmart web site to check with your bank which i'm using the", "viergerscene for donating", "Too Tie", "little blind", "and how you can go down to any dealership already approved and just drive off the lot", "all right guys so now at the end of this video you're going to see two playlists", "one is about personal loans business loans one is about credit personal credit cards business", "credit card all credit going to connect you to a source of financing money you want to need", "one of these playlists and this channel simply collects you to money and financing that you want", "to need so subscribe watch all the videos thank you for watching once again it is king hayward", "you guys stay safe out there" ]

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[ "then you could be losing out on hundreds of thousands", "of dollars.", "And if you are, then you could still be missing out", "on that same amount.", "Not because you're a dummy or anything like that,", "but because you might not know how to use", "a health savings account to its full potential.", "The Employee Benefit Research Institution found", "that only 6% of people who have an HSA are using it", "in a way that I'll show you in this video.", "So the odds are that you are a part of that 94% of people.", "Let's fix that.", "To be more specific, you could potentially be missing out", "on anywhere between $300,000 and 600,000 plus dollars.", "Now, if that doesn't get your attention,", "then I don't know what will.", "In this video, I'm gonna break down everything you need", "to know about an HSA so you can increase your chances", "of growing it to anywhere between 300 and $600,000.", "Later in the video, I'll take you into my HSA account", "to show you how much I have and how I'm using it", "to invest for financial independence and early retirement.", "We're gonna cover things like the what, why, and how,", "my top three HSA accounts that I recommend.", "I'll show you how to use the account", "to maximize its potential, and I'll share with you", "some of the tips and tricks that I found along the way", "to turn my health savings account", "into the ultimate wealth-building machine.", "This is one of those that I promise you'll regret", "not knowing about in the future,", "so pay attention and watch until the end.", "Hey, I'm Jared, and on this channel,", "we talk about all things personal finance,", "investing, and financial independence.", "Feel free to leave any questions down", "in the comments below,", "and I will answer every single one of them for you.", "If you could do me a huge favor", "and Hulk smash that thumbs up button,", "I would greatly appreciate it.", "It helps support myself, my dog, Molly,", "and of course this channel,", "so thank you so much in advance.", "At a basic level, an HSA is a savings account", "that allows you to contribute pre-tax money to it", "every single year.", "Starting in 2021, the lonely single people out there like me", "can contribute up to $3,600 per year,", "and a family can contribute up to $7,200 per year.", "Just a heads up, expect those amounts to increase over time,", "so if you're watching this at some point in the future,", "then they're probably higher,", "but everything else in this video is relevant.", "If you're 55 years or older,", "then you can contribute an additional $1,000 per year", "on top of that $3,600 and $7,200.", "The average person who doesn't know any better", "looks at a health savings account", "as a way to save for future health costs, hence the name,", "Health Savings Account.", "That person puts money into the account throughout the year", "and withdraws it whenever they have", "any medical expenses to pay for.", "But instead of looking at it as a health savings account,", "I want you to look at it as a health investment account.", "To be more specific, I want you to look at", "and treat an HSA like it's an additional retirement account.", "Think of it like a 401 , IRA, 403 and so on,", "except for the fact that an HSA", "is a completely tax-free investment account.", "More about that in just a few minutes though, so hang on.", "Think of an HSA as a way to start preparing now", "for medical expenses you're going to have", "when you're 60, 70 and 80 plus years old,", "because we all have medical expenses", "or more medical expenses as time goes on.", "It's like insurance for yourself,", "except for the fact that you get to keep", "all of the money that you put into it.", "I personally look at an HSA as a way to earmark", "less of the retirement money that's in my 401 , IRA", "and taxable investment accounts for medical expenses.", "Real quick, I need to get this out of the way.", "Nothing that I say in this video", "should be taken as investment advice.", "Please, please do your own research.", "I'm just a guy who makes YouTube videos", "and enjoys drawing stick figures in his free time.", "When you put money into an HSA,", "there's three things that you can do with it.", "Number one, you can let the money just sit in the account", "and slowly lose value due to inflation.", "Number two, you can spend the money in the account", "on medical expenses that you have today", "or in the near future.", "So if you go to the doctor next week", "to get that cough checked out,", "if you pick up a prescription,", "if you need to get a filling at the dentist", "or any sort of a medical costs like that,", "then you'd withdraw money from your HSA account", "to pay for those expenses today.", "Or number three, you could invest the money", "within your HSA account and let it sit there.", "Now, if you really wanna maximize an HSA,", "then investing the money and not withdrawing it", "for today's medical expenses is what you'd wanna do.", "This might not make sense on the surface though,", "because if you have medical expenses to pay for", "for today, then how are you supposed to pay for them", "if you don't use money from your HSA?", "Great question that we need to address.", "You'd pay for those expenses out of your pocket today", "to allow your money to be invested within your HSA", "for as long as possible.", "This is how you really unlock one of the many benefits", "of an HSA.", "You'd wanna avoid taking money out for as long as possible", "so that it can stay in the account to continue to grow.", "I cannot stress that more.", "Let's compare two people", "who both contribute to their HSA for one year", "so that you can truly understand the power", "of investing money in the account.", "We'll call these two people Asher and Kensley.", "The only difference between the two", "is that one of them spends all of his HSA contributions", "for the year on medical expenses in that same year", "without investing it.", "And the other decides to max out her HSA for the year,", "invest that money within the account", "and pay for any medical expenses out of her own pocket", "so that that money can stay invested within her HSA.", "Because Asher contributed $3,600", "and spent $3,600 from his health savings account,", "he is left with $0 in his HSA account by the end of the year.", "Because Kensley contributed $3,600", "and spent $0 from her HSA,", "she's left with $3,600 plus a little extra", "from the growth of her investments", "by the end of that same year.", "But here's where it gets interesting for Kensley,", "and not just Kensley, but for all of you who are watching this video,", "because he decided to spend all of his HSA money right away.", "She doesn't plan on touching that $3,600 at all.", "She's gonna let it stay invested within her HSA account", "and pay for her medical expenses out of pocket.", "Not only is Kensley the name of my niece", "and probably one of my absolute favorite humans in the world,", "but she's actually really smart for doing this.", "If she didn't touch that money", "and let it stay invested for 20 years,", "then that one year contribution of $3,600,", "at a time when she's not even in the world,", "the 7% return would turn into almost $14,000.", "And it would grow to $27,400 in 30 years.", "So even if Kensley had the same $3,600 in medical expenses", "as Asher for that first year that she paid for out of pocket,", "she's still ahead overall by $23,800 in 30 years", "because the growth from her money", "that was invested within the HSA.", "Because 27,400 minus 3,600", "equals of course $23,800, hashtag math.", "Think about that for a minute.", "You'd only need to contribute to an HSA for one year", "and invest the money to have it grow to that amount.", "If you were a family that contributed the $7,200", "for just one year, then after 20 years,", "it would grow to $27,800 and over $54,800 in 30 years.", "The key here is to try to keep your money invested", "within the account for as long as possible.", "So it has time to grow.", "We'll cover how to invest the money here", "in just a few minutes, so hang tight.", "But hold on because an HSA has another benefit", "that's overlooked a lot.", "It's probably the biggest selling point", "of a health savings account.", "An HSA has triple tax savings.", "It's not very often that the IRS legally allows you", "to skip out on paying taxes once,", "let alone three different times.", "The first way, the money that you contribute to an HSA", "is pre-tax money from your paycheck.", "The second way,", "the gains from your investment growth,", "dividend payouts and interest accumulation", "is not taxed at all.", "And the third way,", "when you withdraw the money for medical expenses,", "you do not pay any taxes on that distribution.", "One, two, three.", "An HSA is like a Roth IRA on steroids.", "So it's extremely important to take advantage of it", "if you're able to.", "One way that I'm supercharging my HSA even more", "is by charging all of my medical expenses over the years", "to a good rewards credit card.", "And paying it off at the end of every single month.", "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 I can take advantage of my 2% cash back rewards.", "So not only am I earning 2% on the money", "that I'm already spending,", "I'm also getting a triple tax savings", "and growing my money by investing it.", "If you feel comfortable with doing this, then go for it.", "If not, then no big deal.", "I just wanted to make sure that I mentioned it.", "Now there's a couple of different ways to open an HSA.", "So the first way is to open an HSA.", "First, you need to be at least 18 years old", "and covered under a high deductible health plan.", "Sometimes referred to as an HDHP for short.", "Here's an example of what mine looks like", "that I have through my employer.", "Notice how it says HDHP as part of the name.", "That would be the one that you'd wanna choose", "to be eligible for an HSA.", "I'd say that the majority of employers offer an HDHP.", "If you can't find one,", "then talk to your HR department or manager.", "If you get health insurance on your own,", "then you should definitely have access", "to a high deductible health plan.", "Once you sign up for a high deductible health plan,", "you'll need to open an actual HSA account.", "Now there's two ways to do this", "so that you can start investing in that HSA.", "The first is through your employer.", "If your employer offers a high deductible health plan,", "then they may or may not offer you an HSA account as well.", "If they do, then they've already chosen", "the third party company for you.", "So then they should, so at that point,", "they should provide you with a link to open up an account.", "Now my employer uses a company called Health Equity,", "which is the third party company", "that I manage my HSA through.", "Money gets deposited directly into my Health Equity account", "every time I get paid.", "And at that point, I can start managing that money.", "If your employer does not provide an HSA company for you,", "or you get health insurance on your own,", "then you need to open up an HSA account on your own.", "In this case, you'll have to deposit money", "into the account,", "on your own, unless you were able to set something up", "with your employer where they send your HSA contributions", "to directly to the HSA provider that you've chosen", "every time you get paid.", "There's three HSA providers that I'm familiar with,", "where you can open up an HSA account.", "The first is Health Equity.", "Now they do a great job,", "but my one problem with them are the fees that they charge.", "Now to be transparent,", "they only charge a monthly 0.03% administration fee,", "which isn't a lot,", "but I'd prefer not to pay anything at all if I can.", "If my employer didn't choose them for me automatically,", "then I would have chosen a different one,", "which I'll talk about in just a minute.", "The second is Fidelity.", "Now they offer an HSA with zero fees.", "Now I like the zero fees part of Fidelity,", "but the one thing that I hate about Fidelity in general", "is their user interface for investing.", "I personally think that it's trash and extremely confusing,", "but if you already have a Fidelity account,", "it might make sense to open up your HSA account,", "through them as well.", "The third is Lively.", "Now they're by far my favorite.", "They charge zero fees,", "give you access to low cost index funds,", "and their user interface is very, very good.", "They would be my personal number one choice.", "Let me give you a little behind the scenes", "of what I'm actually doing to utilize Lively.", "Now, since my employer forces me", "to automatically have my HSA contributions", "deposited into my Health Equity account", "or a Health Equity account,", "I'm personally rolling over all of those contributions", "to a Lively HSA account every single time that I get paid", "so that I can avoid the fees that Health Equity charges me.", "So keep that in mind.", "No matter who the HSA provider is", "that your employer chooses for you,", "you have full control over being able to roll that,", "roll that account or that money in that account", "into a different HSA company.", "If you are not happy with the one", "that your employer has chosen for you.", "I'll have a link to open an account", "with each of these three providers.", "providers down in the description below. To be transparent, the Lively link is an affiliate link,", "so if you open up an account using it, then it does help support this channel and myself,", "of course, at no extra cost to you. Let me make this very clear. I can't tell you what to do with", "your money or how to invest it, but I personally only invest my HS money into low-cost index funds.", "Now, I created a whole video on everything you need to know about low-cost index fund investing", "that I'll link up right above my head and down in the description as well. I've been investing in", "my HSA for less than two years, and my account is currently worth almost $7,800 at this point in", "time. Now, that's an investment return of 26.9% over that time period. So far, so good, and that", "example for Kensley was only at a 7% return, so I'm ahead of the curve at this point. The nice", "thing about an HSA is that you have full control over it and can take it everywhere with you. Once", "you start putting money in, you're going to be able to take it everywhere with you. So, if you", "want to invest your money into one, it is not tied to your employer at all. If you leave your", "current employer, then you still have access to that account through that third-party HSA company", "that you use. Or if you leave your current employer and you don't like that third-party", "HSA company that they're using, so if I didn't like health equity, then I could roll all of that", "money that I had in health equity over to a company like Lively. Technically, you can withdraw", "your money for non-medical expenses, but it does come with a little bit of a price, actually a", "pretty big one. So, if you're a health equity person, you can withdraw your money for non-medical", "expenses. If you use your funds to pay for things other than qualified medical expenses,", "then those funds will be taxed as ordinary income and the IRS will impose a 20% penalty as well.", "For example, if you spend $500 on non-qualified medical expenses out of your HSA, then you'll", "pay a penalty of $100. This $500 will also be shown as earned income for the year as well,", "which you'll pay taxes on. Not cool. Don't do this because it defeats the whole purpose of an", "HSA. I'll have a link down below in the description to give you access to a list of", "qualified medical expenses if you want to kind of check it out. Now, just a heads up, there are a", "lot of things covered and I'd honestly only expect for this list to grow as time goes on. So, if you", "look at that and you're like, oh, this isn't covered, this isn't covered, don't worry because", "the coverage usually grows from year to year and they keep adding more and more things to consider", "as qualified medical expenses. But after you reach the age of 65,", "you'll see that you can still get a tax-free income. So, if you're a child, you can still get", "withdraw will still be taxed as ordinary income. Just to touch on the insane amount of tax-free", "money that you can accumulate over time, if you maxed out your HSA at $3,600 per year as a single", "person over 30 years, then at a 7% return, your account would grow to $340,000 of tax-free money.", "Don't forget to Hulk smash that thumbs up button before you go. Check out the description for more", "resources and playlists to help out with all of your personal finance, investing,", "and financial independence needs. I'll see you in the next one, friends. Done." ]

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[ "It's really simple because they all work seamlessly together.", "So there's two credit cards with Chase.", "One is the Chase Freedom Unlimited, which is your everyday spender,", "and then the Chase Sapphire Preferred card.", "With the combination of both of those cards, you unlock the Chase Travel Portal,", "which allows you to move your points into mileage partners or hotel loyalty programs,", "so then you can travel hack better.", "So you get those two cards, and now you complete your Chase Duo.", "The other two cards are with American Express.", "So you get the American Express Gold card,", "so you can earn four times points on restaurants and groceries, namely.", "And then you also get the Platinum card.", "You want to spend your money on the Amex Gold card and the Chase Freedom Unlimited,", "but you want to have the Sapphire Preferred and the American Express Platinum,", "so you can get the travel benefits.", "You unlock the portals for both of them,", "and you can actually move your points where you want them to go.", "If you're a traveler, if you travel more than, I would say, once or twice every couple months,", "then I think you should get that card.", "Otherwise, you don't need that one, but the other three, everybody should have." ]

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[ "Everyone is talking about student loans incorrectly, and it's making me frustrated, so I'm making a video about it.", "Some flat, decontextualized numbers for you.", "There's $1.75 trillion of outstanding student debt in America held by around 45 million students.", "That is roughly $39,000 of debt per student.", "And what you would imagine given those numbers, and what most people do imagine,", "is the average college graduate headed out into the workforce with $39,000 of debt.", "And this is entirely wrong.", "First, let us not forget about the 35% of people who get a degree and do not have student loans.", "That number was a lot bigger than I expected it to be, and I think it's important to say that it exists,", "and that those people have like a leg up on the 65% of the students who graduate with debt.", "Second, this won't surprise you, but you may not have noticed it,", "the average student debt holder didn't just graduate.", "They graduated a while ago, and they have either been paying down their student debt,", "or they haven't been, in which case it's actually gone up due to interest.", "So the $39,000 isn't what they come out with, it's what is left after having been paid down.", "But even weirder, the average student graduating from a four-year college or university", "has about $28,000.", "So it is strange that the average student debt holder has $39,000 of student debt.", "What's going on here graduate school?", "It's mostly what's going on here.", "But here's the weirdest plot twist in all of this.", "People who take out more student loans are less likely to default on their student loans.", "Much less likely.", "In fact, as you take out more and more student loans,", "you become less and less likely to default on them.", "So I guess we figured it out.", "Students just need to take out more student loans, and everything will be better.", "No.", "What is the weird thing that's going on?", "Well first, people with a lot of student loans tend to be doctors and lawyers.", "So that's one bit of this.", "But the bigger, more surprising, more upsetting reason that this is the case", "is that 40% of people with student loans dropped out without getting a degree.", "This is a wide variety of kinds of people, but they are more likely to be black and Hispanic.", "They are more likely to have gone to a high school in a low-income area.", "They're more likely to be older when they start college,", "and they're more likely to be first-generation students.", "And their loans tend to be smaller because they tend to go to cheaper schools for not as long.", "Loan delinquency for this group is a big problem.", "It's quadruple loan delinquency for people who graduated.", "Now again, there are lots of reasons why people might be in bad situations with", "regard to their student loans, and it's often not because they didn't graduate.", "But this seems like a cohort that we don't talk about,", "and a problem that we don't interface with very much.", "And it is a very big problem.", "Like, I'll say it again, 40% of people with student loans are not going to get a degree.", "This all happens for predictable reasons, the biggest one being financial pressure.", "College doesn't just cost the money you're spending, but also your near-term lost income,", "which is vital to me.", "And the second biggest cause, academic disqualification, is caused by students", "not getting a good enough high school education, being under-supported, or over-committed during", "school.", "There are a lot of hard parts and failures in higher education,", "but taking billions and billions of dollars per year", "of financed money from students who aren't going to end up with a degree,", "like, that's astounding and it is infuriating to me.", "This is the exact problem that Crash Course and Arizona State University are trying to take on", "with our partnership, providing structures to help students make good decisions earlier in their higher education", "process so they don't end up making expensive mistakes, and also helping them learn information", "that they may not have been taught well in high school or may have forgot since.", "This is a very common outcome.", "At some schools, it is the most common outcome, and I do not understand why we don't talk about it more.", "Because the result of not talking about it is understanding the student debt crisis entirely incorrectly.", "When we forgive debt, 40% of the people whose debt is being forgiven are people who didn't end up with a degree.", "Students that didn't fail, but didn't get a degree.", "Were failed.", "And on average, people who have debt and no degree have around $13,000 of debt.", "We need to take on the student loan crisis, and we also need to take on the dropout rate crisis.", "Not just with one-time debt forgiveness, but by supporting students who are working to make their lives better.", "John, I'll see you on Tuesday." ]

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[ "म्यूपीआई जैसे एप्लीकेशन रन कर रही है बट इस वीडियो में आप जानोगे कि कौन सी स्क्योर एंड बेस्ट नंबर", "रन एप्लीकेशन है जिसको आप पेटीम यूज कर सकते हो ऑनलाइन ट्रांजेक्शन पेमेंट के लिए दोस्तों आपको बताना", "चाहूंगा 2010 में पेटीम एप्लीकेशन में काफी सारे फ्रॉट देखने को बाद इसकी जो रैंकिंग है वह मार्किट में", "काफी डाउन चली गई उसके बाद काफी एप्लीकेशन रन कर रही है जो कि आपको कैसे यूज करनी चाहिए प्लस कौन सी", "एक ऐसी एप्लीकेशन है जिसके ऊपर आप पूरा ट्रस्ट करके उस एप को आप भेजजक यूज करके अपनी ट्रांजेक्शन कर सकते", "हैं तो वेलकम बैक टू न्यू वीडियो का इस आई होप आप भी बड़ी होंगे तो आज के टाइम में हर कोई ऑनलाइन मोबाइल", "फोन से ट्रांजेक्शन तो करते ही रहते हैं फिर चाहिए उसे एमाज़न पर शॉपिंग करनी हो या फिर फ्लिप कार्ट पर या", "ऐसे में आपका फर्स्ट बनता है कि आप जानो कौन सी बेस्ट एक एप्लीकेशन है सबसे पहले मैं आपको रिपोर्ट शो", "कर देता हूं मार्च दो जार तेस्ट की जो कि है एनपीसी आई एंड जिसका मीनिंग है नेशनल पेवेंट कॉर्प्रेशन ऑफ इंडिया", "करें दोस्तों इन डाइट आई शो किया गया है इन्ही की तरफ से दिया गया है कि 2,24 रिपोर्ट निकाली गई थी", "मार्च में यह कुछ जो है बयोरा दिया गया कि कौन सी एप्लीकेशन जो है किस तरीके से मार्किट में परफार्म करें", "है किसका जो है कैपिलिजेशन एन कि मार्केट में पकड़ कितनी परसेंट है यह आपको डाटा दिखाया जा रहा है ठीक है", "पर फिर भी मैं आपको अपना सजेक्शन दूंगा कौन सी आप यहां पर आप एप्लीकेशन को यूज करें ठीक है तो यहां पर मैं", "सबसे पहले आई थी 2010 में एंड इसकी जो है अभी के ताइम शेयर होलिंग सबसे ज्यादा वीडियो हो गई आप सभी आपके", "डाटा में देख सकते हैं मैं आपको यहां पर डाटा दिखाया तो इसकी जो एन कि जो पेट एप्लीकेशन थी सबसे पहले", "2010 में लाउंच कर दी गई थी एंड आपको पता है कि यह जो है ट्रांजेक्शन के लिए पेट सबसे ज्यादा पॉपलर हुई", "थी एक टाइम पर आकर ठीक है बट यहां पर अभी के टाइम इसका डाटा देख सकते हैं आप पर 14.7 प्रतिस्थ जो है इसका", "मार्केट में विभ्री मतलब की पकड़ है बात कर लेते दोस्तों दूसरी एप्लीकेशन के बारे में दूसरी एप्लीकेशन", "निकल क्लिक कर आती है वह गूगल पर गूगल फैशों एप्लीकेशन 2011 में लाइ गई थी ऑप्टंव � Vollटी� separate", "भी बेटर काम कर रही है अभी की टाइम भी बट करंट लिए अगर आप इसको यूज करेंगे तो इसका एक डिसएडवांटेज", "मुझे थोड़ा सा यह निर्ज़त आता है कि भाई एप्लीकेशन थोड़ी सी डिफिकल्ड है यूज करने में यदि आप फर्स्ट", "है आप बिगनर है आप इसको यूज करने जाएंगे तो इसमें जो ट्रांजेक्शन से जो पेमेंट की जाती है थोड़ा सा", "डिफिकल्ड है बैंक अकाउंट एड करना अदरवाइस आप इसको भी यूज कर सकते हैं यह भी काफी स्क्यूर एंड ट्रस्टेबल", "यखा पे फोन पर फोन पर क्वेश्च सबसे ज्यादा सेयर होल्डिंग मार्केट में जो है इसकी पकड़ा है वह है यहां", "पर 46 परसेंटी है तो 46- темes की जो तक है यहां पर इसकी है मैं बताना चाहूंगा पर्सनली भी अगर आज के टाइम", "जाओगे आप 10 लोगों में से देखना 10 लोगों के फोन में देखना आपको जो है 7 लोगों के फोन में फोन पर ही", "मिलेगा जी हां दोस्तों तो रीजन है कि एप्लीकेशन जो है नंबर एक इजी टू यूज है यदि आपको अकाउंट बनाना नहीं", "जाता है तो मैं लिंक आपको वीडियो का डिस्क्रिप्शन बॉक्स में दे रहा हूं आप जाकर उस वीडियो को डेफिनेटी", "वाच कर लेना कि इस एप के अंदर इजली आप अकाउंट बना सकते हैं यदि आपको नहीं समझ आता है तो प्लीज आप मेरी वीडियो", "वाच कर सकते हैं मैं उस वीडियो का लिंक आपको इस वीडियो के डिस्क्रिप्शन बॉक्स में देते हुए जा रहा हूं आप", "बैंक अकाउंट एड कर पाएंगे यूपी पीने पाएंगे एंड बहुत ही असान है ठीक है तो आप उस वीडियो को डेफिनेटी वाच", "करें आज के टाइम में फैसला गाइस है आप जो फोन पर एप्लीकेशन है नंबर वन पर रैंक कर रही है आज के टाइम में", "मार्किट में तो आप यहां पर एनपीसीआई का भी डेटा देख सकते हैं जो कि यहां पर सारी ही मैनेजमेंट यानि कि यूपी", "इतनी भी एप्लीकेशन इन्ही के अंतर काम कर रहे हैं तो आप सभी इनका भी डेटा देख सकते हैं दूसरा तैसी का डाइट है", "मार्च का तो फिलहाल जो है मैं आपको कहूंगा कि आप फोन पर ही यूज करें क्योंकि जो एप्लीकेशन है स्क्यूर बीए", "बेस्ट भी है प्लस में जो इजी टू यूज है ठीक है यदि आपको अकाउंट बनाना नहीं आता तो आप मेरी वीडियो वाच कर सकते", "हैं लिंक आपको डिस्क्रिप्शन बॉक्स में मिल जाए तो दोस्तों यदि आप मेरी तरफ से जाना चाहोगे कि कौन सी बेस्ट", "एप है ऑनलाइन ट्रांजेक्शन यानि कि ऑनलाइन पेमेंट के लिए तो मैं तो सजेक्शन करूंगा भाई फोन पे जिन्हां", "तो मैं खुद परसनल इसको दो-तीन सालों से यूज करा हूं तो मुझे फोन पर ही बेस्ट लगती है बाकि आपकी कह रहा है प्लीज", "पर आपको मैंने आपको डेट है कि आपसे बता दिया कौन सी बेस्ट है मिलते हैं तैंक यू सो मच काइस" ]

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[ "अगर किसी scammer को भाई UPI आपने बेज दिया है 2000 रुपे के उपर", "तो आपके पास 4 घटे के window है उसके अंदर आप complaint करवा के reversal करवा सकते हो", "hospital और educational institute के लिए UPI की limit 1 लाग से बढ़ा करके 5 लाग रुपे कर दी गई है", "अब आप UPI से भाई cash withdrawal भी कर सकते हो अपने nearby हिताची का ATM है तो उससे आप cash withdrawal कर सकते हो", "UPI light की limit 200 रुपे से बढ़ा करके 500 रुपे कर दी गई है छोटे छोटे payments के लिए", "और अगर एक साल से जादा कोई UPI ID आपने use नहीं की तो वो deactivate हो जाएगी", "ऐसे ही guys insights के लिए आज ही हमें follow कर ले" ]

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[ "RBI की तरफ से, यानि की RBI का एक नया guideline आया है की", "अगर आपके साथ किसी भी तरीके का online fraud हो जाता है", "and अगर आपने उस fraud को अपने UPI से payment किया है", "चाहे वो Google Pay, Phone Pay, Paytm या फिर Beam UPI की उना हो", "तब भी आपका fraud वा पैसा आपको साथ दिनों में वापस मिल जाएगा", "नाहीं आपको bank पर जाने की जरूरत है", "नाहीं आपको police station पे जाने की जरूरत है", "और नाहीं आपको cyber crime पे complaint करनी की जरूरत है", "बस आपको एक RBI का official website पे जाकर complaint register करना है", "जिससे आपका fraud वा पैसा आपको वापस मिल जाएगा", "तो गाइस ये तो आप लोगों को भी पता होगा", "मैं बिना proof का कोई भी वीडियो नहीं बनाता", "तो इस वीडियो में मैं आप लोगों को पुरा proof देने वाला हूँ", "एक्चुली एक मेरे subscriber के साथ भी ऐसा ही हुआ था", "लेकिन उनका पैसा उनको 24 hours में वापस मिल गया", "कुछ seconds के लिए भी वीडियो को skip मत करना", "क्योंकि अगर आप एक छोटा सा part भी miss कर दोगे", "तो आपका fraud वा पैसा आपको वापस मिलने में दिक्कत हो सकता है", "फिर आप comment करोगे कि भाई मेरा पैसा वापस नहीं आया है", "तो please एक बार वीडियो को पूरा देखो", "ठीक है", "तो कैसे complain करना है", "सब कुछ मैं बताने वालों इस वीडियो पे", "लेकिन उससे पहले मैं आप लोगों को proof दिखा दू", "ठीक है", "अच्छली क्या हुआ था कि", "मेरे एक subscriber ने कल मुझे email किया था", "ठीक है", "यहाँ पर ये email है", "email आप लोग खुदी पढ़ सकते हो", "email लाइक बहुती लंबा है", "अगर मैं ये सब explain करने लग जाओंगा तो", "वीडियो बहुती लंबा हो जाएगा", "आप लोगों का भी time बरबात हो जाएगा", "मैं short में आप लोगों को बताता हूँ", "actually ये अपने", "friend को UPI से", "payment कर रहे थे ठीक है", "mobile number से तो क्या हुआ कि", "last का number इनोंने", "mistake लिए कुछ और type कर दिया", "and वही mistake से", "किसी और बंदे को पैसा", "चला गया total 45,000", "इनोंने दो बार transaction किया है", "skin shot भी मैं आप लोगों को दिखा देता हूँ", "and जब ये उन्हें", "call कर रहे थे तो उस बंदे", "ने क्या बोला कि ये तुमारा", "गलती है तुमारा गलती से", "ये पैसा आया है ऐसा गलती तुम कैसे", "कर सकते हो उसको ही गाली दिया", "and उनका number block list पे डाल दिया", "यानि कि उसने", "पैसा वापस नहीं किया", "so ये चीज़े उन्होंने मेरे इमेल पे", "बताया है ठीक है ये skin shot आप लोग", "देख लीजिए पहले मैंने", "उनसे बोला था कि आप skin shot send करो", "पहले देखे 20,000 है", "ये skin shot क्यों दिखा रहा हूँ बहुत ही important है", "मैं आप लोगों को दिखाता हूँ पहले देखे", "20,000 उन्होंने transfer किया", "उसके बाद क्या 25,000", "आप लोग देख सकते हो ठीक है उसके बाद", "मैंने इनको क्या बोला कि मैं आपको", "एक YouTube का वीडियो send कर रहा हूँ", "जहाँ पर एक RBI को official website है", "जहाँ पर जाकर आपको complaint register करना है", "तो ये वीडियो देखो", "same to same process को follow करो", "and complaint register करतो", "इन्होंने कली complaint register कर दिया था", "and आज सुबे उन्होंने", "बोला कि उनका वो पैसा", "वापस आ चुका है", "and मैंने पूछा है skin shot उन्होंने", "skin shot भी send किया and उसके बाद", "मुझे लगा कि", "ये इस पर एक वीडियो बनाना चाहिए", "क्योंकि बहुत सारे", "online fraud में ज़्यादातर", "लोग UPI से payment करते हैं", "scammers को right तो इसलिए मैं ये वीडियो", "बना रहा हूँ पहले पैसा", "refund का आप लोग देख लीजे", "इन्होंने बोला कि सर आज", "मेरा पैसा वापस आ चुका है मेरे", "account में thank you इन्होंने कहा मैंने बोला", "कि आप please उसका skin shot", "का I mean message का skin shot", "send करो उन्होंने skin shot send किया यहाँ पर", "ये देखे", "जो 20,000 उन्होंने", "transfer किया था उस", "में से कुछ tax कट के", "उनको मिला 19,300", "रुपेश यहाँ नहीं कि 700", "कटा है यह पहला message", "है आप लोग देख सकते हो", "and यहे दूसरा message", "मैं आप लोगो को zoom करके दिखाता हूँ", "one minute", "यह देखे", "so एक ता 25,000", "का एक ता 20,000", "का so 25,000 का उनको", "मिला 22,100", "and 20,000 का उनको", "मिला 19,300", "आप लोग देख सकते हो", "so इनों ने जैसे", "जैसे complain किया वही", "process मैं आप लोगो को बताने वाला हूँ", "process बहुत ही simple है लेकिन", "please वीडियो को skip मर्थ कर देना", "कुछ seconds के लिए भी ठीक है", "फिर से request कर रहा हूँ", "so क्या क्या proof चाहिए पूरा step by step", "मैं आप लोगो को बताता हूँ step by step", "आप लोगो को follow करना है मुझे ठीक है", "जो चीजे मैं pc में कर रहा हूँ", "वही same to same आपको", "android phone में करना है ठीक है", "so", "चलिए start करते हैं पहले मैं", "इस ये जो gmail है इसे", "मैं यहाँ से cut कर देता हूँ", "so सबसे", "पहले आपको आना है", "npci.org.in", "ये official", "website है rbi का", "और ये इस तरीकी का home page", "रहेगा ठीक है और उसके बाद आपको", "यहाँ पर site में देखना get in touch", "का option मिलेगा यहाँ पर जाकर", "आपको ये जो upi complain है", "इस पर आपको click करना है", "so इस पर click करने के बाद", "और एक चीज", "लो ठीक है skin shot", "लेके रखो क्योंकि यहाँ पर आपको skin shot", "upload करना परता है और कुछ चीज़े", "हैं जो आपको यहाँ पर submit करना है", "मैं आप लोगो को अभी से", "बताऊंगा तो आप लोग नहीं समझोगे मैं", "step by step जहाँ पर जो चाहिए वही", "मैं यहाँ पर बता दूंगा आप लोगो को ठीक है", "उसके बाद", "simply नीचे जाओ और यहाँ पर", "transaction के एक option मिलेगा", "इस plus पे आपको click करना है", "and", "इस पर click करके सबसे पहले आपको", "यहाँ पर select करना है कि", "आपने like person to person को", "transfer किया है या फिर आपने", "किसी", "shop पर payment किया है ठीक है", "अगर आप shop पे किसी को", "payment कर रहे हो किसी और", "जगे चला गया है तो यह जो second बाल है", "यह वाला आपको select करना है अगर", "आपने person को पैसे transfer किया है", "तो यह वाला select करना है वैसे तो इस", "case में आपको first वाला option को select करना है", "क्योंकि आपने एक बंदे को", "पैसे transfer किया है", "यह वाला select कर लिया आपने उसके बाद", "यहाँ पर issue select करना है तो यहाँ पर", "एक चीज ध्यान रखना है अगर आपने", "incorrectly किसी", "दूसरा account में पैसा को", "transfer किया है यानि कि", "जैसे कि इस बंदे के साथ हुआ है उन्होंने", "friend को पैसा transfer करते समय", "किसी और बंदे को transfer कर दिया right", "so इस case में आपको", "incorrectly transfer को select करना है", "to another account ठीक है", "अगर आपने fraud को transfer", "किया है तो आपको select करना है", "यह fraud land transaction जो दिखा रहा है", "इस पर select करना है", "and comments बहुत", "important है comments आपको", "short में लिखना है बहुत", "अच्छे से explain करें ठीक है", "क्या हुआ था आप लोगों के साथ", "short में explain करो", "and अगर आपको English में अच्छे से लिखना नहीं आता", "तो Hindi में भी आप लिख सकते हो", "but मैं आप लोगों को suggest करूँगा कि", "आप Hindi में मत लिखो", "क्योंकि बहुत सारे लोगों को समझने में", "दिक्कत आते है अगर आप English पे लिखोगे", "तो आपके case को like थोड़ा सा", "seriously लिया जाएगा", "अगर आपको English में लिखना नहीं आता है", "तो बहुत ही simple है आप पहले", "एक Hindi में लिख लो ठीक है", "Hindi में पूरा completely explain करो", "उसके बाद Google Translate पे आओ", "यहाँ पर देखें", "मैंने यहाँ पर English, Hindi", "दोनों में लिखते रखा है", "अगर आपको English में लिखना नहीं आता है", "तो Hindi में लिख लो उसके बाद", "जो आपने लिखा है उसे copy कर लो", "copy करने के बाद Google Translate पे आओ", "यहाँ पर आके आपको", "जो आपने जिस language पे लिखा है", "वो language पहले आपको यहाँ पर select करना है", "Hindi", "और जिस language पे आप translate करना चाहते हो", "वो आपको यहाँ पर select करना है English", "तो यहाँ पर मैं इसे copy paste कर देता हूँ", "देखें मैंने copy paste कर दिया", "और यहाँ पर English पे आ चुका है", "ठीक है", "तो", "इस तरीके से यहाँ पर आ जाता है", "इसे copy कर लो", "और उस comment box पर paste कर दो", "तो यहाँ पर तो मैंने already लिख के रखा है", "इसे मैं यहाँ से copy कर लेता हूँ", "and", "और", "यहाँ पर रहके इस comment box पर", "उसे paste कर देता हूँ", "सो मैंने यहाँ पर बहुत shortly", "शॉर्टली एक्सप्लेन कर दिया है कि मेरे साथ क्या हुआ था एंड यह कमेंट आपने यहां पर लिख दिया उसके बाद यह आपका", "हो गया ट्रांजेक्शन आईडी अब ट्रांजेक्शन आईडी कहां मिलता है मैं आप लोगों को बता देता हूं यहां पर देखिए", "यह मेरा उस फ्रॉट को ट्रांसफर किया हुआ स्किनशॉट है ठीक है तो यहां पर आप लोग देखिए रेफरेंस नंबर जो दिखा", "रहा है यह आपका ट्रांजेक्शन आईडी अठिक है इसी आप कॉपी कर लो तो यहां पर यह मैंने लिख कर रखा है यह मेरा", "reference number लिखा हुआ होगा", "यहाँ पर transaction id लिखा हुआ होगा", "ठीक है उसे copy करके यहाँ पर", "आप आकर", "paste करतो उसे", "and उसके बाद", "आपको यहाँ पर select bank है", "आपका जो bank है उसे select करना है", "यह रहा", "state bank of india मैंने इसे select कर लिया", "उसके बाद", "यह bpa जो है", "यह क्या है बहुत लोगों को समझ में नहीं आता", "यह है", "आपका UPI id", "ठीक है जो आपका UPI id है", "वही आपको यहाँ पर enter करना है", "यह भी मैंने यहाँ पर email पर already", "लिख कर रखा है ठीक है", "और यह UPI id कहा", "मिलेगा आपको आपका जो भी UPI", "यह उस पर जाओ प्रोफाइल पे जाओ", "आपको यह आपका UPI id मिल जाएगा", "ठीक है तो यह आपका UPI id है", "यहाँ पर डालना है आपको", "पेस्ट कर दिया और उसके बाद", "amount कितना का", "आपके साथ like fraud हुआ है कितना", "आपने उस बंदे को पैसा transfer किया है", "आपको लिखना है यहाँ पर number है", "मेरा है 350 रुपिस", "350 रुपिस मैं लिख देता हूँ", "यहाँ पर debt of", "transaction जिस date", "को आपके साथ fraud हुआ है", "वो date आपको यहाँ पर select करना है ठीक है", "तो यहाँ पर मैं 11 September", "select करता हूँ", "हो गया और अगर आपके", "पास email id है तो आप", "यहाँ पर email id डाल देता हूँ", "so email id मैंने यहाँ पर", "enter कर दिया है और अब है", "mobile number आपको यहाँ पर", "अपना mobile number डालना है ठीक है", "and उसके बाद", "यहाँ पर choose file का", "जो option आ रहा है यहाँ पर click करके", "आपको screenshot and I mean यहाँ पर", "upload करना है जो आपने", "fraud को transfer किया था उसका", "screenshot लेके रख लो पहले", "so मैंने already यहाँ पर लेके रखा है", "choose file पर click करके", "और download", "पर मैंने लेके रखा था यहाँ पर", "screenshot यहाँ पर", "upload कर देता हूँ", "so यहाँ पर upload हो चुका है उसके बाद", "आपको यहाँ पर submit पर click कर देना है", "request submitted successfully", "so देख सकते हो आप लोग", "process बहुती simple है", "so जैसे मैंने", "यहाँ पर complaint register किया", "वैसे ही आपको यहाँ पर", "same to same step को follow करके", "complaint को register करना है", "so फिर भी अगर आपको", "complaint करते समय कुछ", "दिक्कत हो रहा है कुछ problem हो रहा है", "तो comments करके मुझे जरूर पूछना", "and guys और एक चीज मैं आप लोगों को", "बता दू जो बहुती important है", "अगर आपके साथ बहुत", "पहले fraud हुआ है", "तो अगर आप उस fraud वा पैसा", "को recover करना चाहते हो", "तो ऐसे complaint करके मैं आप लोगों को", "100% तो guarantee नहीं", "दे सकता कि आपका fraud वा पैसा", "आपको वापस मिल जाएगा", "फिर भी आप लोग एक बार try करो", "क्योंकि क्या पता वा पैसा", "आपको वापस मिल जाए", "लेकिन जितना जल्दी fraud होने के बाद", "आप यहाँ पर complaint register करोगे", "उतना ही जल्दी आपका", "fraud वा पैसा आपको वापस मिल जाएगा", "तो आपको आपको समझ में आ गया होगा", "process बहुत ही simple है", "तो guys", "आज के लिए बस इतना ही", "thanks for watching this video", "अगर आपको कुछ दिक्कत आ रहे है तो जरूर पूछना", "मैं मिलता हूँ आपको अगले वीडियो पर तब तक के लिए", "जैहिन" ]

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[ "आप सोचोगे आपके पैसे तो गए", "तो आज मैं आपको सिंपली वहीं सिखाओंगा कि गलत ट्रांजेक्शन के रीफ़ंड कैसे लेंगे", "गुगल में जाकर NPCI सर्च कर लीजे आपको उपर ही मिल जाएगा उप्षन गेट इन टच नहीं तो आपको अंदर वेबसाइट में मिल ही जाएगा", "बाद में आपको सिंपली ही है कॉम्प्लेंट सिलेक्ट करना है और UPI कॉम्प्लेंट में जाकर ट्रांजेक्शन वाला एक उप्षन दिखेगा और यहाँ पर आप थोड़े उप्षन सिलेक्ट कर लीजे इनकरेक्टली ट्रांसफर्ट टो अधर अकाउंट और यहाँ पर ट", "झाल" ]

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[ "Well, in my opinion, and I've been using it for everything for the past eight months,", "it's hands down the best current account on the market.", "And it's not even close. I love this little thing.", "Now, if you have no idea what this card is or bank that I'm talking about,", "don't worry, this is Chase.", "Chase. Make more of every day.", "It is a digital app-only bank that launched in the UK in September 21", "and is actually owned by JP Morgan, one of the biggest banks in the world.", "And while it may be a new name to many in the UK,", "that's certainly not the case in the US,", "where they have over 56 million Americans using them.", "Blimey.", "In the UK, it's certainly rising in popularity,", "having hit the one million customer milestone just 12 months after launch.", "So what do they offer?", "For the time being, it's actually a very simple product offering,", "but it just makes sense.", "It just works.", "Once you sign up to get an account,", "you then have access to a current account and a savings account.", "You can actually open 10 of each of those types of account,", "and they all have their own sort code and account number,", "so you can send money directly to or from them.", "This is quite nice as it can allow you to easily split your money", "by creating different digital money jars, essentially.", "But where they really stand out, with your current account,", "for the first 12 months, you will receive 1% cash back on all of your eligible spending.", "Like on this coffee.", "Absolutely.", "And it will normally just take a day or two for you to receive it,", "and you'll see it at the bottom of the homepage,", "and you can then just transfer it across to any one of your accounts.", "But that's not all that's great about the current account element.", "You can also choose to activate roundups.", "This means that every time you spend on your card,", "let's say it's 80p,", "Chase will round up that transaction to the nearest pound,", "and they'll take that extra 20p in this case,", "and put it into a little side jar that you can see in the app.", "And all the money that's in there will earn 5%", "interest.", "Now, 5% is a very nice amount to make on some spare change,", "but realistically, it would take a lot of spending to build up a large amount in that roundup pot.", "But...", "This roundup pot on the side that you're building will last one year,", "and at the end of that year,", "anything you've got in the pot will automatically be added to the main current account.", "Your roundups will then continue again, but obviously starting from scratch.", "When it comes to the savings account,", "this is pretty simple and standard,", "and currently pays 2.5% of your total savings.", "So, you can put in a little bit of money into the savings account,", "it was offering 1.5% interest,", "which was actually the best interest rate in the entire market.", "However, despite Chase increasing this interest to 2.1%,", "it's unfortunately no longer top of the table.", "Now, that doesn't mean Chase by any means is bad.", "That 1% cashback is still very, very useful,", "especially with the cost of living crisis at the moment.", "It just means you might be able to make more money on your savings,", "including specifically holding those somewhere else.", "You can put as little as you like into the savings account,", "all the way up to a total of £250,000,", "and that's across all of the savings accounts you've opened.", "Remember, you can have a maximum of 10 of them.", "The account is not locked, it's not time bound,", "you don't need to keep the money in there for six months or a year or anything like that.", "You can take the money out whenever you want,", "and instantly move it across to your current account, for example,", "and you don't need to contribute on a regular basis,", "like every month, or anything like that.", "The app also allows you to set goals for your savings.", "So you can have different goals for each of your different savings accounts.", "So you might have, say, one for a rainy day,", "you might have one for holidays,", "and then they can each have their own goal associated with that account.", "And the last thing to mention is that that 2.1% interest", "is calculated every single day and paid into your account", "at the start of the following month.", "Of course, a few days after signing up,", "you'll receive one of these little blue cards in the post.", "Now, what I really like about this is it actually has", "none of your bank details on it,", "whatsoever.", "All your card details are stored in the Chase Banking app,", "so no one else can see them.", "It has your name on the front, and that's it.", "It doesn't have your card number,", "it doesn't have your expiry date,", "it doesn't have those three numbers you normally get on the back", "where you have to validate purchases.", "All those details are only visible in the app.", "So if you lose your card,", "you can feel safe in the knowledge that all of that information", "doesn't fall into the wrong hands.", "If you do happen to lose the card, though,", "much like other banks,", "you can freeze and unfreeze the card in the app if you need to.", "Now, there's a few other things to note.", "Chase currently aren't offering business or joint accounts,", "so it is only a personal account that's currently on offer.", "There are also withdrawal limits,", "so you can withdraw a maximum of up to £500 a day,", "whether that's in the UK or abroad.", "If you do happen to be abroad, though,", "there is also a £1,500 limit on cash withdrawals", "from your Chase account in any particular calendar month.", "But on the topic of travel,", "much like other digital-only banks,", "Chase doesn't charge any fees for using your card abroad,", "be that for purchases or ATM withdrawals.", "Plus, with the 1% cashback you're getting on spending,", "it means it could be a very favourable card for you to use when you do travel.", "Now, unlike normal banks,", "there is currently no lending or overdraft features from Chase,", "but it is likely that a credit card offering is in the pipework.", "And what's more, investments are as well.", "If you currently use Nutmeg,", "which is a very popular investing app in the UK,", "with around 200,000 customers,", "you'll be happy as Chase have announced that they'll be working on", "bringing your Nutmeg account closer to your Chase account.", "Now, this is because JPMorgan, the owner of Chase,", "actually bought Nutmeg in 2021,", "so it's likely in the not-too-distant future,", "you'll be able to see your Nutmeg account alongside your Chase accounts.", "Being able to see a fuller picture of your financial world in one place", "would definitely be handy.", "But with what's on offer currently,", "lots of people seem to be enjoying it.", "That's evident from Chase capturing a million customers in a year,", "and on the Apple App Store,", "the app has achieved a very strong 4.9 star rating from 82,500 reviews,", "and a 4.8 on the Google Play Store from just over 35,000 reviews.", "Its Trustpilot score isn't as strong at just a 4 from over 3,500 reviews,", "but I don't think that's too worrying.", "So, that's what others think,", "and on the whole, I completely agree with them.", "Over the past eight months,", "this app and the accounts have been booming,", "and I think they're doing brilliant.", "But if there is one thing that I think they could be doing better,", "that is on their spending analysis.", "All of your spending is analysed and categorised into different buckets,", "like groceries, transport, shopping, and so on.", "However, for me, as it's not the only bank account that I use,", "and I'm often sending money between bank accounts all the time,", "I find that the categorisation and the spending analysis", "of how much money Chase think I've spent in the month", "is wildly inaccurate.", "And that is a bit annoying,", "and it does let them down a bit.", "So, there you have it.", "That is Chase.", "I really like it.", "Clearly a lot of other people do,", "and that 1% cashback is really compelling.", "But it will be interesting to see how useful it really feels", "once those 12 months of 1% cashback finish.", "Personally, once I get to that point in a few months' time,", "I'll probably take that as an opportunity to look across the market", "to see what the best offers and deals are at that point in time.", "But who knows?", "Chase might come out with some other offers that make it worthwhile", "to keep as my main spending account,", "we'll just have to wait and see.", "Thank you so much for watching.", "Don't forget to do all those things below the video", "that every YouTuber tells you to,", "and I'll see you in the next one." ]

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[ "Unfortunately, what has happened is that the supporters are only talking about the pros,", "that the GDP will go up, the inflation will go down, simplification of taxes will take place,", "one single market will be created.", "But I think there's a flip side also to the GST, which is that if you raise taxes,", "indirect taxes to about 18%, and that's roughly what the revenue neutral rate is being talked about,", "then there'll be a massive inflation because services taxes would have gone up from 12% to 18%,", "so all kinds of services will go up.", "Similarly, other excise duties and sales taxes, which will be now at the rate of 18%", "in terms of central GST and state GST, they will also increase.", "Now, if prices increase, then GDP cannot go up.", "Second point I want to make is that a single market benefits the large-scale industry,", "but not the small-scale industry, which is low.", "So what could happen is that the large-scale industry would benefit at the expense of the small-scale industry,", "and therefore employment would be hit and the output could be hit.", "So I think we need to balance out between what are the pros and what are the cons of the GST.", "I think Mr. Khan, the origin of the AIG and K1s will come in as well.", "As the Congress spokesperson says, it's better to go for direct taxes than for indirect taxes.", "So we should try and get that.", "We should get the direct tax code in as soon as possible so that we can collect more from direct taxes", "and reduce the indirect taxes under GST.", "All right.", "More suggestions coming in over here.", "Thank you." ]

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[ "एक लंबी अविधि तक अगर आपने अपना लॉकर को नहीं खोला है तो बैंक आपका लॉकर तोड़ सकते हैं जी हां भले ही", "शालाना किराई के सौ गुना पैसे देने होंगे वहीं भुकाम बाढ़ जैसी प्राकृतिक आवधाओं की कारण अगर लॉकर को नुकसान होता है तो बैंक इस तरह के नुकसान के लिए जिम्मदार नहीं होगा आप देख रहे हैं जी निउस मैं हूँ दिपाली से हम" ]

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

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[ "This is something I've been sitting on for the last couple of months,", "and it's a video I've been wanting to do, but I decided today was the day.", "This is going to revolve around Amazon customer service.", "You are definitely going to want to stick around for this review.", "All right.", "I don't know how many of you are familiar with what this is, but this is an Amazon Fire Stick.", "This is the third generation Fire Stick.", "I bought one of these devices, I want to say it was about four months ago, four or five months ago.", "Well, it was actually back in May, so it's been a little longer than that.", "But it was back in May.", "This was right after.", "HBO Max got released.", "We have been exclusively a Roku household for quite a while.", "We have Rokus in every room of the house, and they've been great.", "Never had an issue with them.", "They connect, the menus work smoothly, everything is good.", "But then HBO Max came out, and HBO Max was not available on very many devices.", "You had them on game systems, which we do have some, so I could watch it in a few places.", "But it's not available on Roku.", "And the only other way you could watch it is if you had a Chromecast,", "which I tried when they first came out and hated the thing.", "And then you can get it on Amazon, or not Amazon, but you can get it on Apple TV.", "So I'm obviously not going to buy those, because I've already been invested on all the houses,", "on all the TVs in the house.", "So I decided to go the route of the Amazon Fire Stick,", "because I did some research online and found out that even though", "HBO Max was not available on the Fire Stick, you could sideload it.", "So that's what I did.", "I got an Amazon Fire Stick, and I got it from Best Buy.", "I hooked it in, got it all set up, got the app sideloaded.", "Everything was working okay.", "But I noticed when I was using it that the menu would lag.", "I'd try to select something, and it wouldn't move.", "And then all of a sudden, it would jump forward and go even further than how many presses I had done,", "which made it very annoying to use when I had this thing hooked up.", "Now, luckily, I was only using this at night when we were going to sleep.", "It was just not used all day.", "It was just not used all day long.", "So just at night.", "And it got to the point where I got very annoyed with the way the menu would work.", "And then when it would load up, a video would start, and there would be audio, but no video.", "And I'm like, what the heck is going on with this?", "So I went over and I kind of picked up the device and noticed it was burning hot.", "It was very hot, extremely hot.", "So I had to put it down.", "And I did some research online and found out they want you to connect it with the TV.", "So I did, and it made no difference.", "This thing remained hot.", "I had to unplug it every morning to make sure that it would not burn my house down.", "And I just decided maybe this is the way they're built.", "I'll deal with this.", "And I did for I think it was three months or so.", "And then I saw an ad on Facebook.", "So I started engaging in the ads for the Amazon Fire Stick.", "And I told people, you want to avoid these devices.", "I said go get a Roku.", "The Amazon devices are junk.", "They don't work properly.", "properly. I had family members and other people chime in and say, we don't have any issues with", "ours. So I thought, okay, maybe it's an issue with just mine. So after I saw the ad, I called up,", "you know, there was a thing there and I said, I was having issues. They said, reach out to", "customer service. They will help you. So I did. I reached out to customer service that day and I got,", "they told me, oh, you are one day out of warranty. We can't do anything for you.", "We will give you a 15% discount on a new one. I said, what? Did you really just offer me that?", "I said, what in the world would make you think I would purchase another device when I had a", "terrible time with this one? I said, that's crazy. I said, I want a new device. They said,", "we can't do that. They kept going back to that. You are one day out of warranty.", "They said, the only option is for you to reset the entire device and then reload everything.", "And I was like, how do I do that? I said, I'm going to do that. I'm going to do that. I'm going to", "do that. I said, I really don't want to do that because I spent a lot of time getting all the apps", "that we do have and all the passwords and everything set up to begin with. It's like", "almost setting up a new windows computer each time you get a device like this. So I said,", "I really don't want to do that. They said, well, that's your only option is to do a factory reset", "and see if that fixes your problem. Otherwise you're just going to have to buy a new one.", "So I was like, whatever. I just let it go. I said, I'll deal with it. I will eventually HBO", "max be on Roku. I'll just deal with it. Not a big deal. I just will never buy another", "anything. I'm going to do that. I said, I'm going to do that. I said, I'm going to do that. I'm going to", "Amazon device again. Well, then within several weeks, I started seeing more and more ads for the", "Amazon fire stick on my Facebook page. And every time I would chime in and then I got to the stage", "where I was just about to start my channel. This was about six weeks ago. And I figured, Hey, you", "know what I'm going to do when I'm going to do a video and do a review on the Amazon fire stick.", "And I'm going to show people the problems I'm having. And I have some of those videos and I may", "insert it into this.", "Video here. So you guys can see some of the issues with the menu and everything. So I decided to chime", "in one more time. This was probably about a month or so after I had initially talked to them and I", "was out of warranty. So I, I responded again. I said, you know what? I said, you know, these devices", "are crap. I'm going to be doing a video on my YouTube page for everybody to see. And that's", "when Amazon said, no, no, no, no, no. Hold up. We'll help you. Please reach out to customer service.", "And we will get you taken care of. So this is where things get crazy. So that night I did call", "customer service and I got the exact same spiel from the guy that, yeah, we'll give you a 15%", "off of a new one. That's all we can offer you because you are definitely way out of warranty", "now. And I said, wait, when this all started, I was only one day out of warranty. They just told", "me to reach out to you guys and that you guys would take care of me. So the guy kept telling", "me, no, I can't do anything.", "I can give you a 15% discount on another one. I got upset. He goes, you know, the only option is", "for you to go and reset the device. He goes, there's a new update for it. And I guarantee you", "that this new update will take care of your problems. So I'm like, oh man. All right. I said,", "hold on. I'll go take care of it. So I'm out there resetting the device. And I came back,", "talked to him once. I said, it's taking a minute. I'm resetting it. I'll be back.", "So I finally get it reset and booted up and I come back and the guy is off the phone. He hung up on", "me when he hung up on me. I actually went back out there and I set up the Amazon fire stick. I figured", "I'll set it up and see if it fixes my issues. If it fixes my issues, there's no reason I need to", "talk to them again. So I got it all set back up and it was worse than the time before I couldn't", "use the menu at all. It would, it would completely hang up. I've got video of all this and I'd", "actually get a red thermometer. I've got a red thermometer. I've got a red thermometer. I've got a", "that would pop up on the whole screen and it would overheat. And then the screen would go", "green with these lines on it. And then it would shut off and reboot. And then it would go through", "the same thing. And then the thermometer would pop up and it would shut off and reboot. And I'm", "like, holy crap, this thing is completely unusable now. So I called up Amazon and I talked to", "another individual and they wanted to know everything I was going through. And I said,", "oh my gosh, I got to tell you guys this whole story again. I said,", "I went through the whole thing of what happened. They sent me there. They said, okay,", "we'll take care of you. And this, this girl said, we'll, we'll get this situated for you. We'll let", "you know what's going on. And I said, great. And then I got hung up on again. She gets off the", "phone to go talk to somebody and they hung up on me again. I was like, what the heck? So I called", "back again and I was really upset. And I said, look, I've been bumped around. I've been told", "to call multiple times. This is getting to be,", "to be ridiculous. So she said, sir, let me pull up. We'll talk about this. And she said, yep,", "I can see here that you've called in multiple times. This should have been taken care of the", "very first time you called. She goes, I'm going to get you a new device. And I said, great. She", "said, this is just going to take me a minute because this is outside the warranty. So I'm", "going to have to talk to a couple of people. We'll get it taken care of. She goes, I'm going to place", "you on hold if that's okay. I said, great. That's no problem at all. So she placed me on hold. I was", "on hold for like 10 minutes. She finally comes back and said, sir, I'm still working on it. We", "are going to get it replaced. Don't worry about it. Just hang tight. So she put me on hold again", "and then hung up on me. I could not freaking believe it. Now, a lot of people at this stage", "are probably thinking, just give up. It's a $30 vice. Just go buy another one. That's not me.", "Anybody who knows me knows that is not me. I'm the guy that will call in to help people talk", "to customer service. I don't take crap from companies. I don't take crap from any of these", "people.", "If they're selling me something, I better get what I paid for. And so I call back one more time.", "And this guy answered and said, tell me what your issue is. He goes, I need you to walk me through", "everything that's happened. I said, no. I said, that is not happening. I said, you guys have logs.", "You probably record the calls. You can see everything that has been done through all of", "my communication and talking to everybody. I said, I'm done talking to you guys. I said, I want my", "Amazon Fire Stick replaced.", "Period. Get it done. Sir, I can't do that. He said, let me pull up your account. He said, I see", "that they have started a process for you. So you're just going to have to wait 72 hours and we'll email", "you and get back to you. So 72 hour, I got off. And first of all, I was really upset. I'm like,", "this is getting ridiculous. They tell me they're going to replace it. Now they tell me there's", "a waiting period. What the heck is going on? So I wait the 72 hours and I don't hear from anybody.", "So I finally get a hold of somebody and they said, well, we've been trying to reach out to you. I'm", "not getting any response. And sure enough, I looked in email and I don't know how I missed it,", "but it was further down the line that they were trying to get a hold of me after the 72 hours.", "So I called him up and the guy said, before we can send you a new one, we need to do a couple", "of things to find out if this is basically he was telling me we need to find out if this is", "your problem or our problem. He goes, I need you to go over and I need you to take a picture of", "where the Amazon Fire Stick is sitting. I need you to take a picture of the", "table and I also need you to take out the power brick and put it where the prongs are and take a", "picture of the writing and everything that's underneath. So I did all of that and I sent it", "in. And then I got an email where he, well, he called me up and said, I'd like to get permission", "to access the logs. I was like, access what logs? He goes, well, every device has logs.", "You have to give me permission. I legally can't go into the logs unless you tell me that,", "unless you give me permission. And I said, yeah, sure. If this is going to help me,", "figure out what the heck's going on, you're more than likely to go pull up the logs. I said,", "the only thing I've done is sideload a couple of apps like Vudu and the Amazon, not the Amazon,", "but the HBO Max app. I said, that's the only thing I've done with it. So yeah, you guys are more than", "welcome to look at the logs. So that's when he called me a little later, said, yeah, we're going", "to replace the device. So there was something seriously wrong with the device that I got.", "It got so freaking hot.", "It was ridiculous. Now it doesn't end there. He said, yeah, we're going to replace the device.", "He says, we'll send you another one. But he said, I'm going to need the other one back within", "30 days. You're going to get charged for both devices. So he sent me an RNA or something like", "that, a thing so I could go ship it back through UPS. And he said, I got an email the next day", "that said, your Amazon Fire Stick, it was the second week in October when this all happened.", "And he said,", "you will have another one. The email said, it'll get shipped to you. It'll be there by November", "2nd or 3rd. I was like, what? Why in the world would it take two weeks when I can go down and", "buy one today? And he said, it has to be returned by the 14th. I think that was the date because", "that's when I called. So it has to be returned by the 14th of November, or you will get charged", "for both. So I'm waiting and waiting and waiting. And they finally sent me the confirmation that", "it's been shipped. And I was really upset because I'm paying for apps I can't use.", "And I emailed him and I said, this is really unacceptable. Everything that I've gone through,", "this is not okay. And I said, there's no reason why I should have to wait two to three weeks to", "get a replacement. I haven't been able to use this. I've had this thing since May and I can't", "use it. It's been a holy living nightmare dealing with you guys, dealing with the device itself.", "And I said, this is just unacceptable. So he got an email back and he said,", "I'll give you a $30 credit to your Amazon account in addition to the item that the new", "Fire Stick were sending you to replace the old one. I was like, all right. Then I saw that they", "had the 4K Amazon Fire Stick on sale for only $30. So I decided to go order it. I didn't have", "the $30 in my account. This was several days later. And I'm like, here we go, more issues", "with what they promised. So I had to text the guy. Well, before I text or send him an email", "right before that, that day, I ended up getting two packages in the mail. They sent me two new", "Fire Sticks.", "So I had to email them. I figured they'd just say, keep it. And I'm not that kind of person.", "Like I'm honest. So I emailed them and said, look, you guys sent me two Amazon Fire Sticks", "and I just ordered a 4K one, or I said, the $30 is not in my account. So he said, all right,", "I'll make sure the $30 is in there and just ship the other one back when you send the bad one back", "to ship the second one that we sent you, ship that back. We will need that back. So I'm like,", "all right. And they finally did get me the $30.", "So I ordered a 4K Amazon Fire Stick for my 4K TV downstairs. So at the end of all of this,", "a lot of people I've had some people tell me, man, I would have given up. You wasted so much", "of your time. And I did. It was hours and hours and hours of my time. But here's the thing with", "me. If I'm paying for something, I better get it. And this is why we have the power of the internet.", "We have the power to do reviews. We can get information out there. And I thought it was", "important to put this video out because I'm not a fan of the internet. I'm not a fan of the internet.", "bought a game last year. And I now have three versions of two different games because they", "kept messing up. And I would be double charged or they would send me the item that was wrong.", "It was a holy living nightmare. And they never got that fixed in the end. It was crazy. So it", "was just a nightmare back then. And that one I did let go because at the time I'd only spent,", "I don't remember, it was like 15 bucks for a game that was,", "supposed to be new, but found out it got shipped from a place that was used. The disc was destroyed.", "It was listed as brand new on there, but it was definitely not brand new. So this isn't the only", "issue I've had with them, but I thought it was time to put out an Amazon customer service review.", "So here's the bottom line. I now do have two devices. And luckily the two devices I have,", "the regular Amazon third generation fire stick and the 4k fire stick downstairs, they work great.", "Every once in a while, I do need to reboot them. They are like windows computers for some reason.", "They, they might get hung up or something, but they don't get hot and the menus function the way", "that they are supposed to. So I will say that it was just unfortunate that with my first device,", "it was just a bad device. It was a lemon. They should have honored it since I was one day out", "of warranty to begin with. It's no skin off of this billion dollar, multi-billion dollar company", "that they could replace an item that was clearly defective, leaving their facilities.", "They did.", "Honor that in the end, but here's where this boil, what this boils down to. It's the way you're", "treated and how the customer service actually ends up in the end. So I will say they did make", "good on what they should have made good on from the beginning. Customer service wise though,", "I'm giving them a two out of five. I got hung up on too many times. People were getting rude with", "me on the phone. I'm trying to tell them what's going on. And, you know, I was told,", "buy the customer service on their ads, which was still run by Amazon to reach out and get taken", "care of several times. And that didn't happen when they told me it would. So broken promises.", "And this goes back to what I had to deal with last year as well. Terrible customer service. I give it", "a two out of five stars. There's no question about it. They have some work they need to do to gain", "the respect of customers. And I will tell you that because of what I've experienced, I will never be", "purchasing another Amazon.", "device ever again. The only reason I got the 4k one for my TV downstairs was because it's free.", "But I am going straight back to Roku. As soon as they get the, the HBO Max app back in,", "I'm going to go with the Roku. And I may end up doing a video where I'll talk about the benefits,", "the pros and the cons of both the Roku and the Fire Stick since I have been using both.", "That is a video I may do soon. So that's something to look forward to on my channel.", "So I actually want to hear other,", "other people's stories. Please chime in. Do a video link, you know, leave, leave a link to it", "in my description. I would love to hear people's experiences with, with Amazon customer service and", "what they've gone through. I think these companies need to be more transparent and I want to help", "make that happen. That's one of the reasons why I like doing customer service reviews. And I'll do", "that anytime I have to deal with customer service on anything. So I've already done it with T-Mobile", "and now I've done it with Amazon.", "And Amazon, like I said, two out of five stars, they've got a lot of work to do to gain the respect", "of the people they, they serve and they are serving us. And if we're paying for something,", "we better get what we, what we paid for. So that's the bottom line. I appreciate you watching. Please", "hit the like button, subscribe, hit the notification bell, and you will be notified when new videos go up." ]

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[ "bank? The reason is it is very difficult to get into a safe deposit box and I", "know what I know what you're thinking out there I can hear it already you're", "saying well I have my son or daughter or my somebody as a signatory on that", "account and they actually even have the key. Well I can tell you stories of doing", "this for over 20 years for doing probates over 20 years where that", "absolutely did not matter and we still had to get a court order to get into", "that safe deposit box. Once somebody passes away and the bank knows it things", "change." ]

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[ "to be talking about the Discover It Miles card.", "Now Discover cards are not something that get a lot of attention.", "Typically I think everyone likes to talk about either Chase or American Express cards, but", "I think there's a tremendous amount of value to be had with Discover cards.", "So right off the bat, I think Discover has been doing a really good job over the years", "of providing excellent customer service and some amazing products despite how little publicity", "they get and the Discover It Miles card is no exception to that.", "So right off the bat, one of the reasons that I really like the Discover It Miles card is", "because there is no annual fee.", "So right off the bat, that's something that's easy, it's a card that you can get, and it's", "a card that you can kind of keep forever.", "Now the Discover It card is very much like the Barclay Arrival Plus card in that it's", "earning what I call fixed points.", "So unlike other programs where you're earning specific Southwest miles or Delta Airlines", "miles or you're earning specifically cash back or even a transferable point, with the", "Discover It Miles card you're earning Discover miles.", "But the thing is you can use these miles for any travel related purchase.", "So if you want to go book a low cost carrier like Spirit or Norwegian or Wow Air, you can", "use your miles to pay for that.", "If you want to go and book an Airbnb, if you want to stay at a hostel, if you want to buy", "yourself train tickets, you can go through and use your miles for travel related purchases.", "Now a couple additional reasons why I really like the Discover It Miles card is because", "it's very simple.", "It earns 1.5 points per every dollar that you spend, right?", "So anything that you spend money on, it doesn't matter, it's all going to earn the exact same", "1.5 points per dollar on those purchases.", "So right off the bat, that's pretty good.", "What a lot of people don't realize though is that for your first year of being a card", "member, all of those miles are actually doubled at the end of the year.", "So you're essentially earning three points per dollar spent.", "Now if you compare that to a card like the Barclay Arrival Plus that's earning two points", "per dollar and it has an $89 annual fee, it's kind of a no brainer to see why you're going", "to be so lucrative.", "You're essentially earning three points per dollar and you're not having to spend any", "money on an annual fee.", "Now a couple of other benefits which I think are probably less important is number one,", "there's no foreign transaction fees.", "Now this is actually kind of hard to find, a card that has no annual fee and doesn't", "charge foreign transaction fees.", "And it might sound really good, but unfortunately the big limiting factor is outside of the", "United States.", "With few exceptions, not many places are going to take Discover Card.", "So if this was a Visa card, that would be tremendously valuable.", "You'd be able to travel around the world, earn three points per dollar, and you would", "be able to essentially have no foreign transaction fees without having to pay an annual fee.", "But because it's a Discover Card, I've been to 38 countries at this point and there's", "very few places that I've ever been able to use a Discover Card at a point of sale.", "The other reason that this card is quite interesting.", "is that every year they actually give you, Discover gives you a $30 Wi-Fi credit for", "in-flight Wi-Fi.", "So think about this for a minute.", "You're not paying an annual fee for the card, but every year, just for fun, they give you", "a $30 Wi-Fi credit.", "Now a lot of people don't use this or they don't know about it, but it's super easy to", "use.", "You just, when you're in flight, if you want to buy go-go internet or you're taking an", "international flight or whatever internet service provider they have at 30,000 feet,", "you just pay for it with your $30,000 credit.", "And then you'll see a credit on your bill, let's say $15 on in-flight internet.", "And then a few days later, they'll automatically give you a credit back for whatever the, whatever", "the purchase price was.", "So right off the bat though, I mean, if you want a card, that's going to give you a tremendous", "amount of value, something that you can keep forever and get a free $30 Wi-Fi credit.", "I mean, why wouldn't you get this card?", "It really kind of makes a lot of sense.", "Now the signup bonus, just like any no fee card.", "It's a free $30 credit.", "It's really not very high.", "I've seen it.", "The highest I've ever actually seen it is $50.", "So pretty easy to get the signup bonus isn't huge, but you know, that's not really not", "the reason why you're going to go and get this card.", "The final benefit, which is important for some people, not as important for other people", "is the fact that the card has a 0% APR, a 0% interest rate for your first year of card", "membership.", "So for the first 12 months, you actually won't pay any interest on your purchase.", "in my own business when I had to purchase a lot of inventory and I just wanted from", "a cash flow perspective to delay that.", "So I would put all the inventory on the credit card and then I paid it back seven or eight", "months later with no interest.", "So that's pretty lucrative.", "That's a very good thing to do.", "And while I wouldn't ever encourage anyone to carry a balance on the credit card, if", "that's something that you feel comfortable doing and you know for certain that you're", "going to be able to pay it back.", "Then that can be a very valuable tool for you to pay off larger purchases at 0% interest.", "The aside from that, you know, the discover customer service team tends to be very good.", "I like that on every single statement, they actually show you your FICO score.", "So these are cards that I recommend to people as really good starter cards, right?", "A really good place to begin and start learning about building a credit score, start learning", "about travel hacking.", "And so because there's no annual fee.", "And because it has a 0% interest, this is a really good, a really good starter card.", "If you're just kind of beginning your journey into the credit card game.", "That being said, if you liked the video, I really hope that you'd give us a thumbs up.", "Feel free to comment with any questions or comments that you have down below.", "And then I would strongly encourage you to subscribe to this channel for more helpful", "videos into the future.", "Thanks so much.", "Have an awesome day." ]

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[ "It's Richard.", "I got this email from Kathy and she's asking me about overdraft protection.", "A whole bunch of questions, I'm not going to get into them right now.", "Let's just talk about overdraft protection as a general concept.", "First of all, let me just read you an excerpt from their website, from a bank's website", "that talks about how they sell overdraft protection, what it's all about.", "Overdraft protection helps cover shortfalls in your checking account, blah, blah, blah,", "blah, up to the limit, even if you don't have sufficient funds in your account, blah,", "blah, blah, blah.", "It helps you manage your finances by allowing you to complete a transaction.", "Let me read that again.", "It helps you manage your finances by allowing you ... You're doing me a favor by allowing", "me to complete a transaction.", "All right.", "First of all, overdraft protection.", "Who the fuck are they protecting me from?", "Myself?", "You don't need overdraft protection.", "This is one of their little tiny upsells that they give you or they try to sell you because", "they want you to get into debt.", "They want you to pay that.", "You know what the interest rate is at my bank in overdraft?", "It's 21%.", "Payday loan companies in Canada, throughout most of Canada, charge around 23%, I think.", "It's barely under the payday loan interest rate.", "I don't understand.", "Why are people transferring their wealth to the banks and credit card companies?", "Keep it in your pocket.", "Let me teach you a little secret that I learned a long time ago so you don't have to use a", "bank account.", "You've got these great no-fee bank accounts now in Canada with PC Financial, ING Direct,", "stuff like that.", "Before that came along, there are fee-for-service bank accounts.", "There's usually a line in the sand somewhere that all banks have where they say, if you", "have a minimum balance of this, you won't get charged anything.", "At my bank, it's $1,000.", "If I keep at least $1,000 in my bank account, everything above that, there's no charges", "on my monthly transactions.", "Below that, you might have a small $5 penalty for a contract.", "No big deal.", "At least it's not 21% interest.", "Use that line in the sand.", "Use that in your head.", "If you're really thinking about overdraft and do I need this, use that as your overdraft.", "Yourself.", "You are your own overdraft.", "You are protecting yourself.", "You don't need protection from the bank.", "The only protection you need from the bank is not using their dumb products.", "Line in the sand.", "Let's say it's $1,000.", "Better yet, make it $2,000.", "$2,000.", "You keep at least a grand in your account.", "Everything above that, it's all yours.", "All day long.", "No transaction fees.", "You pay your visa off in full every month.", "There's no extra service fees from the bank.", "Let's say once a year you might dip below that down to $892 and change.", "You have a small service fee.", "Fine.", "No big deal.", "You've protected yourself.", "You haven't paid 21% interest on that.", "You are covering your own butt.", "Don't rely on these silly products like insurance and credit card loss, critical illness.", "I've lost my job insurance on credit cards and overdraft protection.", "Stop it.", "People have got to stop the madness.", "Stop sending your family's wealth to the banks and credit card companies.", "Keep it in your own pocket.", "That's my summary on overdraft protection.", "Again, if you like these videos, subscribe to the YouTube channel.", "Throw some comments in there if you've got some more questions.", "Always shoot me an email if you want.", "I'll never reveal your identity.", "Got any more questions?", "Ask them.", "Done.", "That's it on overdraft protection.", "Later." ]

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[ "लेकिन hospital ने cashless देने से मना कर दिया", "insurance company ने cashless treatment देने से मना कर दिया", "और आपको पैसे देने पड़े और आपने बाद में insurance company से reimbursement कराई", "ऐसे 8 reasons हैं जो हम बात करेंगे जिसकी विज़े से आपको cashless claim नहीं मिलता", "यह reason आपके लिए जरूरी है ताकि आपका अगर next time कोई claim आता है तो वो cashless में ही approve हो जाए", "वीडियो के अंटक बने रहेगा काफ़ी useful वीडियो होने वाली है", "वीडियो स्टार्ट करने से पहले आपने आपको introduce करना चाहूँगी", "हर insurance company के cashless network tie up hospital list होती है", "मतलब insurance company hospital से tie up करते हैं ताकि आपको cashless treatment दे पाएं", "आप किसी hospital में गए वो insurance company की list में नहीं है तो cashless treatment नहीं होगा", "और यह list permanent नहीं है मानलीज़े आज एक ex hospital आपकी cashless hospital list में दिख रहा है", "जिस insurance company से आपने policy लिए", "बट future में हो सकता है वो cashless hospital list में ना हो वो hospital D list हो गया हो", "उनकी list में ना हो उनका tie up revision में हो तो आप जब भी hospital जाएं उस time पे आपको check करना ज़रूरी है", "कि current latest list क्या है बेस्ट होता है कि हर एक insurance company की application पे आपके nearest hospitals mentioned होते हैं", "या जिस particular hospital में आप जाना चाहें उसका नाम search कर लें और check कर लें कि वो cashless list में है के नहीं है", "दूसरा reason blacklisted hospital अब ये क्या बला है", "non-network hospital तो समझ गए कि network में नहीं है tie up नहीं है इसलिए cashless नहीं देंगे", "blacklisted होता है जहाँ पे claim देंगे ही नहीं", "मतलब आप अगर blacklisted hospital में चले गए गलती से वहाँ पे ना आपको cashless मिलेगा और ना ही reimbursement मिलेगा ये चीज का बहुत बहुत बहुत ध्यान रखिए", "because कई बारी हम ध्यान नहीं देते हम कौन से hospital जा रहे हैं या हमें लगता है कि वो cashless में नहीं है तो हम reimbursement तो करवा ही लेंगे", "but अगर blacklisted है तो reimbursement भी नहीं हो पाएगा", "so reimbursement नहीं हो पाएगा तो आपको claim मिलेगा ही नहीं", "तो आपको blacklisted hospital, delisted hospital, unrecognized service providers पे नहीं जाना है", "कहां से देखेंगे इसकी list भी available होती है insurance companies की website पे insurance companies की application पे", "तो जाने से पहले quickly एक बार नजन मार ले या अपने insurance agent से पूछ ले या insurance company के customer support पे call करके पूछ ले", "अब ये क्या बला है hospital तो गए justified कैसे नहीं है", "so hospital was not justified का मतलब है कि जो आप treatment ले रहे हैं", "वो या तो आपका OPD में हो सकता था", "मतलब उसमें अगर आपको doctor oral medicines भी देते और घर पे treatment करने के लिए बोलते तो वो भी चलता", "उसके लिए hospitalization जरूरी नहीं थी", "मतलब अगर आपको hospital में रखे आपके सारे vital सही है", "आपके मतलब सारे test report सही आ रही है कुछ diagnosis नहीं है", "लेकिन hospital में रखा है under evaluation और investigation", "सिर्फ आपके test करने हैं और आपको evaluation के लिए रखा है", "तो भी as per insurance company claim payable नहीं है", "hospitalization justified नहीं है", "तो ये दोनों reasons हो सकते हैं जहाँ पे insurance company कह सकती है", "कि आप admit हुए merely for the purpose of investigation and evaluation", "insurance company liable नहीं है claim pay करने के लिए", "ये policy clause है 5.1.4", "अगर आप admit होते हैं तो सिर्फ और diagnostic test और evaluation हो रहे हैं", "मतलब आपके test करके पता लगा रहे हैं कि problem कहाँ पे", "प्रॉब्लम नहीं है कुछ भी सारे test ठीक हा रहे हैं कोई दिक्कत नहीं है", "तो उस case में insurance company claim नहीं देगी", "for example आपको false alarm हुआ कि हो सकते हार्ट अटाक हो", "आप admit हो गए hospital में जाके उन्होंने आपकी ECG की, TMT करी, ECO करी", "और उन्होंने बोला test report तो सारी सही है", "तो insurance company claim नहीं देगी because there is no line of treatment", "तो cashless claim नहीं मिलेगा आप reimbursement के लिए fight कर सकते हैं", "आप reimbursement के लिए आ सकते हैं", "ये चीज़ ध्यान रखिए मतलब हमेशा", "denial of cashless claim is not the denial of the entire claim", "ऐसा नहीं है कि cashless मना कर दिया तो बाद में भी नहीं देंगे", "आप reimbursement में try कर सकते हैं", "बहुत बारी ऐसा हुआ है कि cashless में नहीं claim मिला लेकिन reimbursement में मिल गया", "तो आप reimbursement के लिए definitely आ सकते हैं किसी भी condition में", "except blacklisted hospital वहाँ पर reimbursement भी नहीं मिलेगा", "fourth reason specific exclusions", "इसको slow growing illnesses भी कहते हैं", "मतलब माल लीजिए आज आपने policy ली", "and within one year आप admit होगे for stone", "जो कि mostly insurance companies का specific exclusions में आता है", "मतलब slow growing illness है stone", "अगर stone से related कोई surgery आप करा रहे हैं", "within one year of the policy that will not be covered", "तो वो cashless में भी नहीं मिलेगा", "आपको reimbursement में भी नहीं मिलेगा", "because वो policy terms and conditions के हिसाब से covered नहीं है", "तो इसके लिए आपको जानना ज़रूरी है कि", "आपकी policy में क्या included है क्या excluded है", "इसलिए आपको कहते हैं कि अपनी policy wording", "अपना brochure अपनी due diligence कर लें", "policy लेने से पहले", "so that आपको claim के time पर यह ना लगे कि", "जब मुझे ज़रूरत ही मुझे insurance company ने claim नहीं दिया", "आपको अगर अपनी terms and conditions", "आपको पता होगा कि what is payable and what is not payable", "तो claims के time पर disappointment नहीं होगी", "fifth जो सबसे बड़ा reason है", "cashless claim ना मिलने का", "कई बार ही आपने सुना होगा कि जब आप admit होते हैं", "तो वहाँ पे आता है कि", "chronicity of the illness cannot be determined right now", "so we will not be able to settle the claim in cashless", "इसका मतलब क्या है", "किसी चीज के लिए आप admit हुए", "और वहाँ पे insurance company को लग रहा है कि", "आपके documents इनफ नहीं है", "जो आप documents दे रहे हैं", "वो इनफ नहीं है ये prove करने के लिए कि", "पहले की problem नहीं है", "या clearly दिख रहा है कि non-disclosure है", "मतलब आपने policy में disclose नहीं करा", "लेकिन hospitalization के time पे", "वो illness सामने निकल के आई", "जिसकी वज़े से insurance company लाइबल नहीं है", "claim के लिए तो यहाँ पे cashless तो", "definitely नहीं मिलेगा because कहीं पे भी", "अगर insurance company को suspicion हो गया", "कोई भी ऐसा red flag दिग गया तो", "वो claim नहीं देंगे आप reimburse में", "जरूर fight कर सकते हैं with valid documents", "आप सारे अपने documents अब अपने evidence", "सारे proofs दे सकते हैं जिसके basis पे", "claim settle हो सकता है और हुआ भी है", "अगर आपका genuine claim है तो definitely insurance", "company देगी तो basically वो cashless में", "उनके पास time होता है 2 घंटा 3 घंटे", "में उनको claim settle करना है they cannot", "go beyond that लेकिन जब reimburse", "में आते हैं तो उनके पास time है for", "investigation और verification", "तो वो reimburse में generally ऐसे claim", "settle हो जाते हैं but अगर", "फिर से ध्यान रखें जब भी आप policy ले रहे हैं", "non-disclosure पे policy मत लीजिए", "बहुत बारी आप सबका यही question आता है", "कि मैं नहीं बताऊंगा तो insurance company को", "कहां से पता लगेगा पता लगता है", "लोगों के claim decline होते हैं", "और उस time पे लोग कुछ नहीं कर पाते हैं", "they are just helpless तो it's better कि", "सही चीज बता के insurance company से policy ले", "जाता से जादा क्या होगा आपको कुछ", "waiting period serve करना पड़ जाएगा", "आपको कुछ loading लग जाएगी premium extra", "लग जाएगा that's it but non-disclosure", "पे policy लेना is not advisable", "और सबसे जादा claims cashless में", "decline भी उसी reason की वज़े से होते हैं", "या तो non-disclosure है या insurance company", "establish नहीं कर पा रही है कितनी पुरानी", "problem है they need to further investigate", "और उस time पे cashless claim approve नहीं होता", "तो आपकी pocket में एक savings में", "dent पड़ जाता है उस time तो आपको दो तीन लाख", "रुपे जो भी bill है वो देना hospital को", "उसके बाद आप reimburse करते रहें which may take", "around 30-35 days also", "so be careful and disclose", "all the material information while buying the policy", "seventh reason", "थोड़ा uncommon reason है लेकिन होता है", "मान लीजिए आपने policy ली", "zone 2 के premiums है", "यहाँ पे मैं बताना चाहूँगी कि जो", "country है वो divided है different zones में", "on the basis of their treatment cost", "तो zone 1 में generally Delhi, NCR,", "Mumbai, Gujarat ये cities आती हैं", "और बाकी cities zone 2, zone 3", "और जैसे जैसे insurance company zones", "divide करती है वैसे आती है", "तो यहाँ पे मान लीजिए आपने कोई भी city", "जो zone 2 में आती है आपने वहाँ का premium देके", "policy ली थी", "insurance company ने policy लेते टाइम आपसे तो", "address proof नहीं मांगा आपको policy दे दी", "but claim के time पे वह आपसे address proof मांगेंगे", "and जब आप address proof देंगे", "identity proof देंगे वहाँ पे अगर address", "let's say आपका zone 1 का है", "तो वहाँ पे clash हो जाएगा कि आप zone 1 में", "रहते हो आपने zone 2 का premium क्यों दिया", "इसका मतलब आपने cheating करी insurance company के साथ", "या आपने zone 2 पे policy ली थी", "in between आप shift हो गए zone 1 में", "तो insurance company को intimate करना बहुत ज़रूरी है", "अपना address policy में change कराना", "बहुत ज़रूरी है क्योंकि यहाँ पे cashless में", "clash हो जाएगा और insurance company", "cashless हो सकता है deny भी कर रहे", "यह कह सकती है कि आप", "यह पहले आप बताईए कि आप zone 2 का premium देके", "zone 1 के address proof के साथ कैसे आ रहे हैं", "there is no objection, there is no problem", "अगर आपकी zone 2 का address proof है", "आप zone 2 में ही रहते हैं और आप zone 1 में", "treatment कराने है वो आपकी choice है", "company आपको मना नहीं कर सकती", "but बहुत बार यह ऐसा हुआ है कि zone 1 के address proof", "वलों ने भी zone 2 की", "कुछ भी address दिखा के policy लिए हैं", "और वहाँ पे problems आई हैं cashless claims में", "तो zonal co-payment के बारे में और जानने के लिए", "हमारी detail में video available है आप वो भी", "refer कर सकते हैं और इस चीज़ का बहुत ध्यान रखें", "uncommon है लेकिन होता है", "एट्स point है deductible जहाँ पे आपकी insurance policy", "में deductible आ जाता है मानलीजिए आप", "दो insurance policies use कर रहे हैं", "let's say base है 5 lakhs का और top up है", "95 lakhs का तो 5 lakhs किसी और company से है", "95 lakhs किसी और company से है", "आपका bill exceed कर जाता है 5 lakhs से", "तो जो 5 lakhs जिस company से आपने", "policy लिए हैं उनको claim settlement letter", "देना ज़रूरी है to the super top up वली", "policy तो 5 lakhs पे जो claim", "settlement letter देंगे और वहाँ पे हो सकता है", "क्योंकि दो companies involved हैं तो delay हो जाए", "claim settlement letter देने में और जो", "उपर वाला claim है वो आपका cashless में ना हो पाए", "because there is a time to it तो अगर वहाँ से", "delay होगा तो वो reimbursement में जाएगा उपर वाला", "claim तो इसलिए base और super top up", "policy कोशिश कीजिए same ही", "insurance company से लीजिए so that claims के", "time पे ये दो policies की hassle आपको", "ना उठानी पड़े और easily आपका smoothly", "cashless claim हो जाए आपको reimbursement में", "ना जाना पाए so ये थे मेरी तरफ से points कि", "cashless claims आपके क्यों reject होते हैं अगर इसके", "लावा आपने कुछ और face किया हो कभी आपका", "कोई experience हो cashless claim rejection का", "apart from these points तो mention कीजेगा", "comment section में I'm sure बाकी लोगों को भी help", "मिलेगी और learning मिलेगी ताकि वो ये", "mistake ना करें और उनका easily cashless", "claim settlement हो जाए hassle free", "thank you so much and जाने से पहले quick", "reminder अगर अभी तक आपने हमारे channel को subscribe", "नहीं किया कर लेजिए so that you get the right", "information at the right time मिलते हैं", "next video में तब तक stay safe take care bye bye" ]

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[ "concluded that his whole tirade about being debanked is a completely fruitless endeavour.", "The FCA were unable to uncover a single incident of a politician being debanked", "because of their political views. Even though the government, aided by Farage,", "the ultimate grifter, got worked up into an absolute frenzy about it earlier on in the year.", "Thankfully, there have been some morsels of common sense kicking around throughout this", "whole debate. Here's banking analyst Francis Coppola confidently predicting this outcome", "months ago. The report makes it clear that the reason they closed his account", "was that Nigel paid off his mortgage and the house was released as a security and that brought", "him below the criteria for an account at that bank, which we should remember is a specialist", "provider of private banking services to very rich people. Banks do have to, and particularly", "private banks like this,", "do have to look at the profiles of the people they're doing business with. They have a requirement", "to know your customer, to do anti-money laundering. They need to know who they're doing business", "with. So actually, this is something they do in order to manage their risks. It's clear", "from the report that they made the decision some time ago not to continue the relationship", "when the mortgage came to an end.", "But they wanted Father Jesse...", "What they said was in that report, and read...", "I did.", "...pages 3 and 10 of that report, and it's available in the mail online to any viewer", "of this programme that wishes to see it. They say he is, and they say it three times, a", "financially viable account. But we don't like what he stands for. He conflicts with the", "values of this organisation. He conflicts, and goodness knows what it means, with our", "diversity agenda, and when the mortgage ends, we won't renew it and get rid of him.", "If I may...", "That was not... Hang on.", "If I may...", "That was not a commercial decision.", "If I may...", "Three times they said it was a commercially viable account.", "Frances Coppola.", "OK. On page 10, it says that when the mortgage comes to an end, what's called the EC, which", "is the commercial viability of the account, will fall, and they made the decision to terminate", "the relationship on that basis.", "So...", "So your account was commercially viable while you had that mortgage, but once it was paid", "off, it was no longer commercially viable.", "But that is what the report says.", "Hang on.", "What about all of them?", "No, no, no.", "They're all woke.", "What kind?", "They're all remainer. They're all globals.", "No, but what...", "Banks, which are commercial enterprises, who they do business with is their decision in", "a free market.", "So is Rishi Sunak right to have an inquiry into this?", "It's going to ask the FCA to look at it. I confidently predict that the FCA will look", "at this and say, nothing to look at here.", "Thank you.", "Thank you very much." ]

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[ "it's mostly that no one is going to be looking at the spending of those tax dollars by private schools.", "Once that money is spent as tuition and goes to the private school, there's only a single thing that they can't do with it.", "They're not supposed to do rebates to parents. Anything else they want to do with that money, they can do.", "Not only that, there's no audit requirement, no public records requirement, no open meetings requirements,", "and no requirement that they inform the state auditor's office if they have irregularities.", "Your tax dollars, billions of dollars, are going to be going into a program that is effectively a black hole.", "And so we will keep issuing reports on public schools about money that they've misused, because that's our job,", "and it'll get misused because they're human beings.", "But you won't see probably very many reports about private schools,", "not because the people running the private schools are somehow free from sin,", "but because they've literally written the laws in a way that makes it difficult, if not impossible, to find wrongdoing.", "We talk about leading people not into temptation. It's part of the Lord's Prayer.", "Boy, have we led private schools using your tax dollars into temptation.", "They can basically do whatever they want.", "As long as it's not a rebate, and it's going to be really hard for anyone to find out about it." ]

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[ "My name is Anthony Cofrancesco from BrainyFlights.com.", "And today I'm going to be walking you through our updated video", "on the Chase Sapphire Preferred.", "Now this I think is one of the best all around travel cards on the market.", "Now, before I jump into the video, I will tell you with each of our videos, we", "have links down in the description below.", "It helps us earn a little bit of commissions that helps us to keep", "making these videos into the future.", "With that being said, let's jump right in with the basics.", "The first thing that I love to talk about is the signup bonus.", "And on this card, it's quite lucrative.", "It's quite good.", "50,000 points.", "Now the type of points that you're actually going to be earning, these are", "Chase Ultimate Rewards points.", "And the really cool thing about these is they're transferable.", "Now I have multiple other videos explaining what transferable points are,", "but if you do remember what makes them so valuable is the flexibility.", "Okay.", "With transferable points, you're not locked into one airline or one hotel.", "You can transfer them out to a range of different partners, which really helps", "you to get a lot of good value.", "Okay.", "So now in terms of how you're actually earning the points, it's really simple", "here, you're going to earn two points per dollar spent anytime you're spending", "money on going out to restaurants or on travel, and then you're going to", "earn one point on everything else.", "So the annual fee on this card, another really good selling point right now is", "actually that.", "It's $95, but it is waived for the first year.", "So this is a really great opportunity.", "If you're new to travel hacking, if you're new to points and miles and you're", "thinking, am I going to get this card?", "Do I want to keep it?", "You actually do not have to pay that annual fee for the first year, but even", "so the $95 annual fee, if you're using this card correctly, it's pretty easy to", "pay for itself over the life of the card.", "Now the next section we're going to talk about is the perks.", "Okay.", "So with this card, when we're talking about the perks, there's a", "handful of different perks from purchase protection and a couple of", "different travel protections, but I don't think they're really the key", "selling points of this card.", "The most important one that people actually can take advantage of on a", "regular basis is the fact that this card has no foreign transaction fees.", "What this means is when you're outside of the United States, you're not going", "to be charged up to 3% just for swiping your card that is going to be waived.", "And that really adds up over time.", "Now, the last section I want to talk about is who is this card?", "Good for who is this card?", "Not good for, I'd say this card is really good for everyone pretty much all around.", "And the reason why is earning points is incredibly simple.", "The signup bonus is very, very large 50,000 points after you spend $4,000 within", "three months.", "And like I said, I really want to get back to this.", "Not only is earning the point simple, redeeming the points is simple.", "So you can very easily transfer to a handful of different partners,", "airlines, hotels, and through the chase travel portal, making it really", "easy to get a great value and a great redemption on your points.", "Like I said earlier, thank you so much for watching the video.", "If you're planning on applying for the chase Sapphire preferred, please", "use our links down below.", "It helps us create high quality content in the future.", "We've got some really great partners over at upgraded points.", "They create content that is much more detailed about each of the cards that", "we're talking about here.", "So I highly encourage you to go and check those out.", "On top of that, you can go to brainy flights.com and check out some of our", "really sick merchandise.", "And then we also, if you really want to dive into the world of points and", "miles and travel hacking, we actually have an entire course.", "It's four hours long and it's called the complete guide to travel hacking.", "And it's hosted through udemy.com.", "So you can check those out with the link in the descriptions.", "Thanks so much.", "And we'll see you in the next video." ]

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[ "ब्रो नाया फोन लेना है मुझे तो पुराने फोन के लिए एक बायर मिल गया है", "जो पुरे 50,000 रुपे दे रहा है मुझे फोन के लिए", "शैंकी आप एक UPI स्कैन में फस रहे हो", "QR कोड स्कैन कर रहे हैं कभी पैसे मिलते हैं", "ब्रो धियान से ने QR कोड में लिखा है न रिसीव मनी", "और इसने मुझे पहले एक रुपे की टेस्ट ट्रांजाक्शन भी करके दिखाई थी", "और मेरे अकाउंट में पैसे अक्चुली में आये थे", "ब्रो एक रुपे की ट्रांजाक्शन जैसे ही तूने करी वैसे ही तेरे अकाउंट में एक रुपे डाल दिये", "तू अर्न यौर ट्रस्ट तूझे लास्ट मेसेज इसलिए क्रेडिट का दिखाओगा", "ब्रो तूने बताया नहीं होता तो अभी मेरे साथ तो फ्रॉड हो जाता है", "और इसलिए मैं तूझे हमेशा बोलता हूँ", "कि अपनी मेन अकाउंट को डेली ट्रांजाक्शन के लिए मत यूज़ क्या कर", "लो और आन पाने आद को सब्सक्राइब कर लो" ]

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[ "एक लंबी अविधि तक अगर आपने अपना लॉकर को नहीं खोला है तो बैंक आपका लॉकर तोड़ सकते हैं जी हां भले ही", "शालाना किराई के सौ गुना पैसे देने होंगे वहीं भुकाम बाढ़ जैसी प्राकृतिक आवधाओं की कारण अगर लॉकर को नुकसान होता है तो बैंक इस तरह के नुकसान के लिए जिम्मदार नहीं होगा आप देख रहे हैं जी निउस मैं हूँ दिपाली से हम" ]

[ 0, 0 ]

[ "What's one of the best retirement accounts to have? And a lot of times we use it and we think", "of it for health insurance. But remember, you can reimburse yourself retroactively for medical", "expenses. So what a lot of people do is over the years, you're putting money in, you're putting", "money in, you let it grow, you invest it, of course, and keep those receipts, those little", "medical expenses you have along the way, everything. I mean, even down to sunscreen,", "keep it. And in the years where you need money, you're allowed to reimburse yourself", "for those medical expenses, even though you'll take the money and use it for something else.", "Totally allowed. And if your advisor hasn't told you that, I hope you'll check us out at", "jazzwealth.com." ]

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[ "Tip number one, if the credit card machine asks you to pay in USD or the local currency,", "always pick the local currency. If you choose US dollars, the credit card processor will", "dynamically convert your money. Dynamic conversion is bad for your money. If you choose local", "currency, your bank will convert your money at a more favorable rate. And this is what you want", "because you want your bank, the bank that you trust, to convert your money. In this case, it", "was a $166 difference. Tip number two is take advantage of VAT refunds. It might take a little", "bit of paperwork, but you'll get some of the taxes you paid refunded back to you. Tip number", "three is use a credit card that has no foreign transaction fees. Follow for more travel tips", "and comment below if you have any questions." ]

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

[ "He has all this money in, in stocks and, and they just, every 10 years, you know, stocks, there's no such thing as a 10 year period in history where the stock market went down.", "So you just have to wait long enough.", "And we've seen it in hex.", "We've seen it in crypto.", "And it's like those rich people like the Mitt Romney's like Elon Musk's, they just don't sell and they get loans.", "And power city is like this whole ecosystem.", "I'm going to try this again," ]

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

[ "But then she discovered more than $60,000 and her family heirlooms missing from her safe deposit box.", "Tonight, WCCO's Liz Collin explains why safe deposit boxes aren't always safe.", "How is this possible?", "It's been the question hanging over Laura Wade's head for the last month", "since she says her safe deposit box turned out to be anything but.", "Every bonus, every birthday gift, everything went in there.", "For 25 years, she kept her valuables in a box at a bank.", "Didn't give it a second thought.", "Until last year when she moved them to this Midwest One branch in Golden Valley.", "Last month, Wade went back to pay the annual $35 rental fee and to pick up an old picture inside.", "I just had the lid open and I was like, what's going on? Where's all my stuff?", "I'm like, oh my God, everything is gone.", "Her passport, will, birth certificate and jewelry that belonged to her great-grandma.", "And cash.", "A lot of cash.", "Yeah, $67,000 worth of saved money.", "All my 40 years of saving every penny I've ever gotten in cash.", "Cash she had planned to travel with when she retires.", "You're better off burying it in the backyard.", "But what Wade says makes it even worse is what's spelled out in her lease.", "The bank isn't responsible to cover any of the contents in her safe deposit box.", "How do you get away with selling safety with a clause that says you have no liability?", "This is all the paperwork so far.", "Wade is now on a mission to make customers think twice about their own boxes.", "You're not letting this go.", "I'm not letting it go.", "You rent a safe deposit box, they put that thing in front of you, they tell you where to sign, and you sign it.", "Dave McGuinn is a former banker and founder of Safe Deposit Specialists in Texas.", "He trains bank workers how to better protect some of the 25 million boxes across the country.", "And until something like this happens.", "You start wondering what did I commit myself to?", "McGuinn hears of at least a dozen cases similar to Wade's each year.", "He says FDIC insurance covers only deposit accounts at banks.", "Box items aren't covered.", "It's why he tells banks to display no insurance disclosures in the vault for all to see.", "It is the biggest area that consumers think you have insurance.", "And from rotating locks to signature and key requirements,", "McGuinn offers a report card for customers to run through before renting.", "If the bank is doing all this, we wouldn't be having this conversation today.", "Midwest One says it can't comment on individual customers.", "But a spokesperson says the franchise has policies and procedures subject to regulatory scrutiny.", "They require investigations when appropriate.", "And the bank says they cooperate with federal regulators and local law enforcement.", "Golden Valley police are investigating what happened in Wade's case.", "I want the perpetrators to be caught.", "And she hopes her story prompts others to visit their vaults and look closely at their consequences.", "There is no excuse for this happening to people.", "In Golden Valley, Liz Collin, WCCO 4 News.", "Midwest One Bank says boxes can only be accessed with two keys.", "Employees cannot open them with the bank key alone.", "The bank says it also requires identification.", "Wade says that didn't happen in her case.", "You can buy safe deposit box insurance.", "If you'd like to see the full list of questions to ask before renting a box, go to WCCO.com." ]

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[ "पर हमेशे साधान रहिए और आपको फर्क पता होना चाहिए पे और रिक्वेस वेमेंट ऑप्शन में अ", "झाल" ]

[ 0, 0 ]

[ "Coming in at just a $95 annual fee, it caters to a wider audience than the CSR, which has a $550 annual fee.", "Now before I get into all the benefits of the Sapphire Preferred card, I want to remind you to sign up for a Webull account using the link that I have down in the description below.", "Right now if you sign up using my link, you automatically get two free stocks valued between $300 and $300,", "but if you make a deposit into the new account of even just one cent, you can get between four and ten additional free stocks,", "and all those will be valued between $7,000 and $3,000.", "Meaning if you deposit just one cent, you will get a bare minimum $34 worth of free stocks,", "but you could get as much as $30,600, which is absolutely insane.", "But now let's quickly transition into everything that you need to know about the Sapphire Preferred card.", "Right now the current welcome offer on the Sapphire Preferred card is 60,000 Chase Ultimate Reward points", "after you spend $4,000 on purchases within the first three months of card membership.", "And do keep in mind that you are only eligible for that bonus once every 48 months.", "Now this bonus is actually not all that.", "At times in the recent past, Chase has elevated that offer up to 80,000 and even 100,000 Chase Ultimate Reward points.", "So if you are in desperate need of Chase Ultimate Reward points,", "I would suggest being patient and waiting just a little bit to see if Chase offers an elevated offer.", "But if you plan on doing some traveling over the fall or into the holiday seasons,", "then the 60,000 bonus points can be redeemed for travel on the Chase Travel Portal at 1.25 cents per point,", "so that's $750 worth of value.", "And that can most likely cover the cost of some hotel stays or some flights.", "But now let's talk about the multiplier's offer.", "With this card, you'll earn 5X.", "On travel booked to be Trace Travel Portal.", "5X on Lyft, 3X on dining, online grocery stores and select streaming services,", "2X on general travel purchases and 1X on everything else.", "Now these multipliers are actually not all that competitive.", "Why Chase decided to make the 3X on grocery store purchases only for online grocery store purchases?", "I'll truly never understand.", "Also 3X on dining is the same as the no fee, flex and unlimited versions and also the same as the $550 Chase Sapphire reserve card.", "And also 2X on dinner is the same as the no fee, flex and unlimited versions.", "on general travel again is not that competitive because the city premier card offers 3x and it", "actually comes in at the same $95 annual fee. So overall, if I were to grade the Chase Sapphire", "preferred multipliers, I'm going to have to give it a D. But even though the multipliers aren't", "that great at all, I still have this card and I never plan on canceling. So let's get into why", "that is. CSP offers a $50 hotel statement credit each account anniversary year for hotel stays", "booked through the Chase travel portal. Now right there is a pretty awesome benefit and one that's", "not typically seen on a mid tier travel card at that $95 price point. And also this next benefit", "that I want to talk about, I briefly mentioned earlier in this video. Having a CSP makes your", "ultimate reward points 1.25x more valuable when you use your points to redeem for travel via the", "Chase travel portal. And also the same 1.25x boost is given to your Chase points when you use Chase", "pay yourself back. Quite possibly the biggest benefit of the Chase Sapphire card is the fact", "that it unlocks access to Chase's transfer partners. Here on the screen I have all the partners", "listed so all of the Chase UR points that you earn on any of your UR point earning cards can be", "transferred to the CSP.", "A few of the most popular partners are going to be Southwest, United, and Hype. And there are also a", "few partner benefits that I want to take some time to mention. With your CSP you get $10 per month in", "GoPuff credits. GoPuff is a delivery service that can deliver drinks, snacks, and other household", "items to your doorstep. And also you get a complimentary DashPass subscription which includes", "a membership to Caviar and that will allow you to pay $0 in delivery fees and lower service fees on", "eligible orders. Now since the Sapphire preferred card is a Visa Signature card, with that it's going", "to come with some excellent travel benefits. So if you're looking to get a Visa Signature card,", "you can travel and purchase protections. There is trip cancellation and eruption insurance,", "so if your trip is canceled or cut short by sickness, severe weather, and other covered", "situations, you can be reimbursed up to $10,000 per person and $20,000 per trip. There's also an", "auto rental collision damage waiver, so just be sure to decline the car rental company's collision", "insurance and charge the entire rental cost to your car. This coverage is primary and provides", "reimbursement up to the actual cash value of the vehicle for theft and collision damage for most", "rental cars in the US and abroad. There's baggage delay insurance which reimburses you for essential", "accessories and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5", "days. There's AAA reimbursement if your common carrier travel is delayed more than 12 hours or", "requires an overnight stay, you and your family are covered for unreimbursed expenses such as meals", "and lodging up to $500 per ticket. And there's also travel and emergency assistance services,", "so if you run into a problem away from home, call the benefit administrator for legal and medical", "referrals or other travel and emergency assistance. And now onto the purchase side of things,", "there's also some pretty good protections", "over here as well. The purchase protection covers your new purchases for 120 days against damage or", "theft up to $500 per claim and $50,000 per account. Along with that, there's extended", "warranty protection which extends the time period of the US manufacturer's warranty by an additional", "year on eligible warranties of 3 years or less. So all in all, for just $95, this card easily", "pays for itself. Pair this card with the Freedom Flex and Unlimited and for just $95, you have a", "ridiculously powerful setup. But now I want to know what you think about this CSP. Be sure to", "let me know all of your thoughts down in the comments below. And I'll see you in the next video.", "And if you're interested in getting a Sapphire Preferred card of your own, down in the description,", "I have a link to my website which then navigates to creditcards.com and from there you can apply", "for any credit card and by doing so you are directly supporting myself and this channel.", "And if instead you'd rather learn about the Chase Sapphire Reserve card, well then click on this", "video right now. Thank you so much for watching all the way until the end of this video, it really", "does mean a lot to me. Hope that you have a fantastic day and with all that being said,", "I'll see you next time." ]

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[ "Bank accounts drained by bad guys using Zelle.", "Eight on Your Side investigates how crooks are using the app to steal your money,", "and who's on the hook if you get hit.", "And we're working on it. We're working to change the law to make it clear that it's the bank that's responsible,", "it's the bank that's liable, not the customer.", "Better call Bankin, uncovering how some people have managed to get their money back.", "Good evening, I'm Stacey Schiavo.", "And I'm Keith Kaye. Thank you for joining us tonight.", "Online money transfer systems like Zelle have become the hot way to pay.", "Owned by seven of the nation's largest banks, Zelle could be connected to your bank account, even if you never use it.", "Critics warn it may also give crooks a new way to steal your money.", "Eight on Your Side consumer investigator Shannon Bankin joins us with what you need to know.", "Stacey, Keith, under federal law, when a crook steals your credit card information and racks up charges,", "you are not held responsible.", "But in this high-tech age, many crooks' chosen method of fraud is Zelle.", "The big difference here, you are not guaranteed protection.", "You may remember Scott Schaefer's gut-wrenching story.", "I'm looking at my account, and all of a sudden money is being transferred to someone I have no idea who they are.", "Two transactions totaling $9,000.", "When his bank denied his...", "claim, saying it appeared he authorized the transfers, he fought back and called Better Call Bankin.", "If I let that go, that's basically saying, well, yeah, you know, I'm responsible for this, and I'm not.", "At first, Chase Bank stood behind its denials, but I kept digging.", "Six months later, the Pinellas Park Police Department found a suspect in New York,", "and Chase relented, giving Schaefer every penny back.", "Here's Channel 8, Shannon.", "You're a professional.", "You're a professional and tenacious.", "It's a lethal mix, and you kept on it.", "You didn't give up on it, and you did your follow-ups,", "and I think Chase finally realized that this was the right thing to do.", "Schaefer is one of tens of thousands of people who have reported losing money through the online payment system Zelle.", "For some, the bad guys hack into their devices.", "Others fall for tricks and unknowingly allow the crook to use Zelle to transfer money.", "Right now, Zelle fraud falls in a gray area.", "While some victims eventually get their money back, many don't.", "Tika Begar is one of those people.", "A crook pretended to be Duke Energy and swindled her out of $278.", "Her bank denied her fraud claim.", "They told me, yeah, we don't refund on Zelle.", "Why don't you?", "Didn't you get their bank?", "Don't you know who the person is?", "You are dealing with a bank.", "The fact that they even put it on their website,", "tells me that they entrust in them.", "A recent congressional report showed that over the past 18 months,", "four major banks reported Zelle fraud cases of 192,878.", "That represents total losses of $213 million.", "And of all of those cases, banks reimbursed consumers in just 3,500 cases.", "Ed Merzwinski, senior director of the Federal Consumer Program at PERG,", "is among those pushing for banks to treat Zelle fraud.", "Zelle fraud, like credit card fraud, and reimbursed consumers.", "If the banks were responsible, they'd figure it out like that.", "They'd figure out how to make it less probable that there's going to be fraud.", "In the past year, consumer advocates and some in Congress have called out Zelle", "and the banks that own it, seeking more protections from fraud and scams.", "Because it's owned by seven of the country's biggest banks,", "the banks should not blame all of their banks.", "Banks should not only help consumers when a TV reporter calls them.", "Banks should be responsible for making this system work better.", "With any peer-to-peer payment app, it's best to use it only to pay friends.", "Do not pay businesses. Don't pay your bills this way.", "Crooks steal your money two ways using Zelle, either by an outright hack,", "and there's not much you can do to prevent that other than being careful on what you click on,", "or by using the app to get your money back online.", "When it comes to tricks, you need to have your guard up.", "If someone calls saying that they're a company and that they're your bank,", "and they're asking for sensitive information, you need to hang up.", "You need to call the bank number right away,", "and call the number that's on the back of your credit card or debit card.", "So, Shannon, if money is stolen this way from you,", "is there any way that you can increase your chance of getting that money back?", "Well, there are some ways that you can increase your chances of getting your money back.", "You need to report it right away.", "You need to report it to law enforcement.", "You need to report it to the bank.", "You need to report it to the FBI.", "The chances of getting your money back are far greater", "if you get all three of those entities involved right away.", "That's a lot of work, though.", "And if you get the fourth one, it's better call banking.", "That's right. Then call me.", "Seriously, though, I mean, this man has $9,000,", "but it was because you had to get involved,", "and like the gentleman you interviewed, it shouldn't have to be that way.", "The banks are almost rubber-stamping, saying,", "it looks good to us, they should back it up.", "It took me a lot of months, Keith, a lot of work to get the money back for that man.", "And there's a lot of other people who've called me,", "and I'm sure I'll get more calls tonight", "from people who are going through the same problem.", "Thank you, Shannon." ]

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[ "You can buy the prepaid card at Western Union own locations, retail stores or order the", "card online.", "An additional card will cost you $4.", "A custom card will cost you $5.", "There are 5 nice designs and you can have up to 5 virtual cards in addition to the physical", "one.", "Each card expires within 1 year after opening.", "You can receive Western Union money transfers directly onto your card account.", "The card has a savings account with 5% interest on balances up to $1,000.", "The maximum balance you can carry is $10,000.", "You can set up a direct deposit and you will get your paycheck up to 2 days earlier.", "Net spend doesn't change.", "It doesn't check your credit score and doesn't check you in check systems.", "It is a second chance bank.", "Western Union partners with NetSpend to offer this card and you can use NetSpend Reload Network.", "There are 130,000 locations.", "Your deposits are limited to $7,500 every 24 hours and you can withdraw up to $940 per", "day.", "Using an ATM will cost you $2,500.", "Plus ATM operator fee.", "If the withdrawal was declined, the fee is $1.", "Western Union can allow you to overdraft up to $10.", "But if you will not pay off the overdraft within 24 hours, the overdraft fee will cost", "you pinky.", "It is $15.", "There are 3 plans.", "Pay as you go.", "It has no mass limit.", "Quite expensive.", "Pay as you go plan is set automatically when you buy the card.", "But if you go shopping it makes sense to switch to monthly plan.", "It will cost you $10 per month with unlimited purchases.", "There is a reduced monthly plan.", "It is $5 per month.", "It requires $500 direct deposit every month.", "You can pay it with your card.", "I guess it is made to drain abandoned accounts.", "Foreign transactions will cost you 4%.", "If you will decide to close your account, the cancellation fee is $6.", "I would recommend you to check other prepaid cards.", "Like Bluebird from American Express.", "American Express has an excellent customer support.", "You can pay with your card.", "You can also check my review of NetPent cards without Western Union branding.", "Subscribe to my channel." ]

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[ "अरे welcome, welcome, छोड़ो आप मुझे ये बताओ कि आपने मेरे account से किस बात के 800 रुपे काटे?", "Sir, bank में सिफ account open करने से कुछ नहीं होता है, उसमें आपको 10,000 का minimum balance भी maintain करना होता है.", "और वो थो आप करते हो नहीं, इसलिए penalty लगी है.", "क्या बात कर रहे हो भाईया, वो daily balance नहीं होता है, वो monthly average balance होता है, और वो तो मैं हमेशा maintain करता हूँ.", "But महिने की last date को आपके account में minimum balance नहीं था, इसलिए आपके पैसे कट गए.", "रुको मैं समझाता हूँ, अगर 30 दिनों में से भी 15 दिनों के लिए मैं account में 20,000 रुपे रखता हूँ, तो भी मेरा monthly average balance maintain हो जाएगा, और इसके बाद आप कोई भी तरह की penalty नहीं लगा सकते.", "अरे सर, अभी check करके आपके पैसे auto reversal करवा देता हूँ. ये हुई ना बात, अब आप इस वीडियो को share करो सबके साथ and follow up skills cool." ]

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[ "ठीक है भाई, दे रहा हूँ, लग ऐसा भी क्या अर्जेंट है?", "यार मेरी किसी से बात हो रही थी अभी, वो मुझे पैसे देने वाला है, तो इसके लिए मेरे फोन पे बैंक से OTP आएगा, तो मुझे वो शेयर करना है उसके साथ, क्या ये? भाई तू नहीं समझेगा, भाई तू नहीं समझ रहे है, कोई भी अगर तुझे पैसे भेजना च", "करता है, मतलब कि अगर हमें पैसे रिसीफ करने है, तो हमें किसी भी लिंक पे क्लेक, या फिर OTP, या फिर QR कोड स्कैन करने की जरूरत नहीं है, हाँ, यही समझा रहा हूँ मैं, कि ये सब चीज़ें पे करने के टाइम चाहिए होती है, हुम्", "हुम्" ]

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[]

[]

[ "And today I wanted to talk to you a little bit about safety deposit boxes and whether or not you should use one.", "So it's a question that we get a lot, especially from people who buy bullion.", "But also, if you have just family heirlooms that you want to hold on to, you know, whether or not you should buy or rent rather a safety deposit box at a bank.", "And there are I don't know that there's really a right answer to this, but I will say that there are things that you should really consider to both sides.", "One, of course, is, well, if you don't use a safety deposit box, where do you put your stuff?", "Well, that that in and of itself is an entire entire show.", "But, you know, generally speaking, if you are smart about your assets and you have trustworthy people in your lives,", "you should be OK in general.", "Now, I know a lot of people don't live someplace that's as safe as others, or maybe you don't have family that you can trust.", "So there's that. But as far as keeping them in a safety deposit box, keeping your valuables and collectibles.", "Here's some of the pros for keeping them in the safety deposit box.", "They're very secure. I mean, really, if you look.", "Yeah, all of the safety deposit.", "Boxes all over America.", "And you look at if they've been robbed successfully at all, you'll find that they actually have a very nice long track record of being safe.", "This is definitely a good thing.", "If you're doing estate planning, there is a certain amount of convenience to having in the location that is known by the family.", "And there's also secure away from their reach until such a time as, you know, you really want them.", "And you know, you're not going to have access to it.", "So it acts kind of like a third party to have that there.", "Of course, there is a downside.", "Also, one is that you don't have access to it 24 seven.", "You only have access during banking hours.", "The other one, and this is probably to me the biggest one, and there's the biggest misconception is that the banks do not have any liability for your goods that are that are held inside the bank vault.", "You know, I have.", "I had a customer who had a safety deposit box and he opened it up one day and there was standing water in his safety deposit box and the bank's reaction was.", "Sorry.", "That's it.", "I mean, they had nothing else to say, so they were not liable at all.", "And he had collector coins in there and they weren't slabbed.", "They were, you know, he had albums and so everything was getting wet and it was really a bad deal.", "Something else to consider.", "Is possibly the unseen.", "And to me, there's always been a little bit of an X factor with having your stuff out of your possession.", "And that is to say, I just spoke to somebody who was going through the whole COVID pandemic situation with their bank.", "And some of you may want to try this.", "If you haven't, a lot of banks have gone to buy appointment only.", "And he wanted to access his his metals and he couldn't.", "They said, oh, yeah, it's by appointment.", "And you can come in seven days from today.", "Well, seven days from today isn't going to work if you're trying to do a transaction today.", "You know, and so this is something that having it out of your control is something to consider when you're looking at a safety deposit box.", "So all in all, you know, whether or not you use one, there's a lot of X factors.", "There's no knowing necessarily that there's just a right answer.", "You have to consider the other.", "Side of things, if you don't have a safety deposit box.", "But I just wanted to focus on safety deposit box, a few pros and cons.", "And there is some something to be said on both sides of it.", "So leave your comments down below and let me know what you think, whether or not it's safe to use a safety deposit box or not.", "I'm Ben the Coin Geek.", "And you can subscribe by clicking on the button in the corner and watch more videos on the right side of the screen.", "Thanks." ]

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[ "I'm still waiting on money. NexFan is a very horrible company to deal with.", "No one from NexFan company has contacted me or my family about it. It's a very horrible company.", "Please do not deal with NexFan. It's a very horrible company and the customer service is", "terrible. First of all, I'm a customer, but I have got a NexFan card from the HEB", "to prepay and load stuff on my card. I used it for my tax refund, which they give you that option.", "They advertise you can use it for your tax refund. You can get your tax refund back within", "two days faster and all that. I actually used the NexFan card a few times before I had it.", "They sent me a card out with my name, personalized it and everything. I had been using it to pay", "like a something I had, another loan I had or whatever. My income tax came. They put the money", "in my account, but all of a sudden it wasn't there. It was there for me to get it. I had the", "option to get it. Then not even an hour later, I went to the Walmart to pull the money off and", "I couldn't. It was a lot. I'm just thinking, okay, it's a lot. I give them a call. They unlock it and", "we can go on and purchase items. Mind it, this is a crisis right now. We got all kinds of things", "going on. I needed my money, my family. It's just me, my fiance, and my son.", "It's a crisis going on. I needed my money. That was over $5,000 they locked up.", "We talked to me and my fiance both to make sure we was getting the correct understanding.", "They told us that the money will be re-sent to me. They will send the money back to me in 12 to 15", "days because my account wasn't. They had to verify the account to make sure it was me,", "which is crazy because this is a state check. Nobody's giving you a fake", "tax check these days. IRS, that's crazy. I'm like, okay. I kind of dealt with that.", "That already was like 12 days. 12 days later, they didn't give me an option. It was like,", "okay, that was the only option. It was nothing else they went on to try to do to help me in", "this situation or nothing. 12 days later, it came nothing in the mail. Every time I called them,", "everybody I talked to giving me a totally different answer. One person telling me they", "sending it back to the bank. They can't verify my account.", "Money's there. The money's not there. Nobody can tell me official answer, which is crazy.", "At this point, they have my money. It's locked up. It's on hold. I can't receive no money. This is", "like 12 to 15 days later. They have over $5,000. Nobody can tell me what about my money. Then", "after the 15 days later, they telling me it can take three weeks for me to get my money back.", "Then they also have my stimulus check now that they got sent to their bank at this point,", "which is another $1,200. That's all I got. I'm like, okay, I'm going to do this. I'm going to do this.", "Almost $7,000 that is in the air. It's like there's nothing they can do about it. It's a", "crisis. That's crazy because it's just me and my family down here. It's not me. I go on the website", "and I see this happens all the time. They always have complaints about this. If you try to use a", "large amount, your account is getting locked up. They're talking about they got to verify you.", "All that's done at the beginning. The verification and all that is prepaid. This is your money.", "They're not giving you anything. At the end of the day,", "I have received the check.", "now, which has been 20 days later.", "They simply gave it to me, but they lied to me telling me that they sent it back to the", "IRS, which wasn't true.", "They lied to me telling me that the IRS called and contacted them.", "The IRS called and contacted them.", "I have this on recording and everything, which is a lie.", "They just lied to their customers and told them to send my check back.", "That was not true.", "They never sent my check back to the IRS.", "They had the check.", "I feel like they're doing some kind of scam within the company because they sent me a", "check from their company.", "Then they charged me for sending me a check to their company.", "They charged me for sending me out a check.", "They took more money from me to send me out a check.", "It had been 20 some days before I even received the check.", "Then I still have a $1,200 check that I still haven't never gotten.", "They said the IRS had it.", "It's just up in the air.", "They told me the IRS had the $5,000 check, which they lied because I ended up receiving", "it a couple of days ago and it came from them.", "It's been way horrible.", "I had a kid in this process.", "I almost went homeless getting through this situation.", "It was crazy because there's no work.", "I depended on that.", "It was like $500.", "That was over $7,000.", "I'm still missing $1,200 and they still took my money.", "My fiance, we've been going through this for the longest and it's been crazy.", "We contacted the office.", "We contacted the headquarters.", "We contacted everybody, the president.", "Nobody helped us.", "The president of Netspan.", "Nobody helped us to resolve the issue.", "Nobody really told us anything.", "Except one lady, which was Kelly Knudsen.", "Kelly.", "Yeah, my fiance can speak on it a little more.", "That's the other person with the interview because she also talked to it because she", "helped me because we were together.", "She talked to Kelly Knudsen.", "That's the only person that actually reached out to us.", "It really wasn't nothing that they did.", "I mean, because everything was still a lie.", "I'm still missing money.", "I still have $1,200 out here that they're telling me the IRS has and they don't have", "it.", "It's unfair.", "Have you contacted anybody?", "Anybody who would experience the same problem?", "Do you know somebody else?", "I haven't directly contacted anybody, but my fiance, Naveena Kelly, she has experienced", "the same problems with Netspan.", "They kicked out her account.", "They locked her up.", "She can't get an account.", "This is prepaid.", "There's no reason they should be kicking you out of a prepaid account.", "They're locking your accounts up.", "She's one person.", "And just overall, I look on the internet, it's a hundred people over there that has", "complaints with them.", "But my fiance, Naveena Kelly, she has complaints with them also.", "What should they do?", "What should Netspan do to regain your trust?", "I mean, honestly, they should lock up my money.", "And I mean, it wasn't that big of a deal, but it's like a crisis.", "And I still have money out there.", "I have a kid and family.", "Like, I could have lost my car.", "Like, just from them even reaching out or even giving a thanks or understanding the", "customer service, you can't understand them because they're not speaking English.", "So their language is not that you can't understand anything they're saying.", "Like, even if they could have smiled.", "Am I supposed to let them compete?", "Like, even if they didn't really shout, like, okay, cool to hear this guy.", "You're like great, but I just Eenie Meenie Spee.", "I mean, do them while Adam and Evee was hanging on their shelf.", "They don't have no flawless point of view.", "I mean, they have no siblings.", "don't you can't get through them don't use them like they're really a horrible", "you on hold with them you can't then they close early at like 9 so like if", "you are working person like you can't really contact them throughout the day", "like they are horrible company a horrible service to deal with and that", "is crazy living in today like you'll think as much better is prepaid like you", "give them money to deal with your money because you don't want money extra money", "on you and to keep your money safe and it's like they taking your money and", "they giving it to you whenever and that's totally unfair so please do not", "deal with next door why did you decide to share your story on our website", "because it's hard money to help other people is like oh it's a lot of things", "like I did it happened within that I just let go by but like this was crazy", "this is a crisis and I was able to get through it but other people can't like I", "seem to wear people and put their money in it and they can't feed their kids like", "I have that same situation I have a three-year-old and I", "have a three-year-old and I have a three-year-old and I have a three-year-old", "a fiance and it was almost to that point to where I couldn't pay my car", "no to feed my son because I couldn't go out to work because these people are", "really holding on to my money like it really got that serious so it's crazy so", "I needed to report this and get this out like I'm tired of people just going by", "messing over citizens with their money like we work hard for this and stuff so", "I'm tired of it like that's not fair for them to be able to do this so I need to", "get this out and if I have to be divorced me and my fiance and my family", "have to be divorced we will be divorced to get this out so", "do not go with next fit anywhere and I would like if they compensate me and my", "family for this crisis" ]

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[ "This baby right here.", "We're going to cover the perks this card has, how to earn the rewards or how to earn the miles.", "We're going to compare it to cards that are in the same rank.", "And last but not least, I want to talk about who I think this card is best for.", "The Venture X card definitely belongs in the premium, so top tier travel card category.", "Perk number one, when you sign up, you will earn 75,000 miles if you spend $4,000 within the first three months.", "That is equivalent to $750 toward future travel spending.", "Perk number two is the annual $300 travel credit.", "So every year you will earn $300 in statement credit towards travel bookings you made via Capital One Travel.", "What this means is that if I bought a flight for $400 on the Capital One Travel website,", "that annual credit will take it down to basically $100 that comes out of my own pocket.", "Perk number three, airport lounges.", "Arguably one of my favorite perks for the Capital One Venture X.", "It's also attached to Priority Pass.", "I've not really been in an airport pretty much all over the world where there wasn't a lounge that I could access.", "There's free food, drinks, sometimes there's shower, places you can sleep,", "different types of amenities that are offered with the Priority Pass.", "The good thing about this is that if you had spent your own money out of your pocket", "to purchase a free lounge, you could get a free pass.", "It's not just a Priority Pass.", "It ranges anywhere from $75 to I think $429.", "So I don't know why anyone would actually buy the Priority Pass on their own.", "It is a much better deal getting it through a premium travel card.", "For the Capital One Venture X, they're also expanding and building more Capital One lounges all over the world.", "Number four is the anniversary bonus.", "This feels a little bit like that little extra cream on the top.", "For the most part, other cards don't have this anniversary bonus.", "What that means is that every time you hit that", "yearly mark of when you've signed up for this card,", "there's a 10,000 mile little extra bonus for you that's credited towards your travel purchases.", "Before I jump into perk number five,", "I think this is a great point to let you guys know what is the annual fee for the Capital One Venture X card.", "And it is $395.", "Now, if you've heard me list the perks prior,", "you will see that essentially with the 300 annual credit plus the lounge pass plus the anniversary perk,", "pretty much that has offset your annual fee to zero.", "If you are still fairly new to the credit card world or the premium travel card world,", "I completely understand.", "I started out with the Venture One card as my first card.", "This is like no annual fee, the very first tier of travel cards that Capital One offer.", "And if you want to see more options for other great cards that still has travel perks,", "but perhaps a lower or no annual fee,", "I did make a video before that I wanted to do,", "and I'll link up here as well as in the description box.", "So you can compare some other options if you're a bit new to the space.", "Moving on to perk number six is a $100 credit towards TSA PreCheck or Global Entry.", "I am a holder of both or I am a member.", "I don't know what you call it.", "And let me tell you,", "if you do any type of international traveling,", "it is a lifesaver.", "You get to skip the long annoying lines,", "both when you exit and when you enter back into your home country.", "What I really want to highlight here is I think moving forward,", "Capital One is really trying to streamline everything so that you book your travel,", "your car rental,", "your hotels,", "et cetera,", "through their Capital One travel website.", "I recently looked on their Capital One travel to look for flights,", "and it was actually incredibly easy to use.", "I think I even prefer it more than the Chase travel booking portal.", "So that is something to note.", "So let's talk about how the Capital One mile system works.", "So number one,", "you get 10x miles when you book a rental car", "or a hotel through the Capital One travel website.", "10x is pretty incredible.", "Number two,", "you get 5x miles when you book flights on the Capital One travel website.", "And number three,", "you get 2x on any other purchases.", "That's still really good considering a lot of the other cards are 1 to 1 ratio or 1 to 1.5.", "Basically,", "you're redeeming those miles so that your flight,", "your hotel are free,", "or there's a big chunk ticket.", "And you're not taking off of what you would have to spend out of your own pocket naturally.", "It goes without saying,", "this card has no foreign transaction fees and the miles don't expire,", "but this is pretty standard practice now for all the cards.", "I'm going to list some of the other perks that are included in this card,", "but won't go into too much details.", "Things like return protection,", "trip cancellation and interruption coverage,", "extended warranty protection,", "their cell phone protection,", "Visa Infinite Concierge,", "travel accident insurance,", "as well as auto rental collision damage waiver.", "Moving on to the competition within this round.", "Right now,", "I think the main competition for the Capital One Venture X card would be the Platinum card by American Express,", "as well as the Chase Reserve card.", "Now,", "the annual fee for those,", "the American Express one is sitting at $695.", "And the Chase Reserve is sitting at $550.", "So the Capital One Venture X is $395.", "Who do I think this card is perfect for?", "I do think this card is better suited for someone that is not completely new.", "To the credit card space.", "If you're someone that's been in the credit card space for a while,", "you just kind of want to upgrade your game.", "And if you travel a lot,", "if you have to book hotels often,", "for whatever reason,", "if you work and you travel for work a lot,", "whether it's domestic or internationally,", "I think this is a great card for you.", "I have made a video previously to this one that covers all of my favorite travel credit cards,", "ranging for any type of lifestyle and any kind of budget.", "Feel free to check out that video.", "I will also link some really useful links in the description.", "There is a link down below from card ratings.", "I really like their website because they are great at comparing cards that are really similar in terms of its fees and perks.", "And you can also find categories like Travel, Small Business, etc.", "So all the helpful links that have made a difference on my decision-making when I'm choosing cards,", "I will link them down below.", "If you have any questions at all, please don't hesitate to reach out.", "This is a public forum.", "You probably don't want to be asking super personal financial questions.", "Or maybe you don't care.", "But reach out to me via Instagram, Diagen, or anything like that.", "I know if you are new to this space, it can feel a little bit intimidating.", "I was there myself not long ago and I've done such thorough research because that is the type of person I am.", "I like to know what I'm getting into before I get into it.", "I would love to help you out in any way that I can.", "Until next time guys, bye!", "Thanks for watching!" ]

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[ "So you can complain if you think a firm isn't following the consumer duty, but the way you complain won't change. You'll still need to complain directly to the firm. I usually recommend doing that in writing and then give it eight weeks to respond.", "If it doesn't respond in that time or you're not happy with the response, you can go to the financial ombudsman service. We talk all the time about the ombudsman. It's a fantastic free alternative to the courts.", "However, waits can be very long, a couple of months.", "For some more complicated cases, the financial ombudsman does expect a short term increase in number of complaints following the introduction of consumer duty before a gradual reduction in this kind of general aim that the duty will reduce rule breaking by instituting good practice when products are developed." ]

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[ "Today, we're tackling a subject that is too often ignored, the link between financial struggles and mental health.", "Before we get started, please hit that subscribe button and ring the notification bell so you never miss any of our upcoming videos.", "Increased stress levels let's jump right in.", "The first thing we need to talk about is stress.", "Imagine the burden of unpaid bills, overdue rent, or even just the struggle of buying your next meal.", "This level of stress isn't just annoying, it can lead to significant mental health problems like anxiety and depression.", "Lack of access to mental health care okay, here's a catch-22 situation.", "You're stressed because of financial issues and then,", "guess what?", "You can't afford the mental health care you desperately need.", "It's a cycle that's incredibly hard to break.", "Relationship-strained financial stress doesn't just stop at affecting you, it spills over into your relationships.", "It can cause rifts between family members, strain friendships, and even lead to relationship breakdowns.", "That's an added emotional toll nobody needs.", "Reduced self-esteem and self-worth Constantly worrying about money can really take a toll on your self-esteem and sense of self-worth.", "It's easy to equate your financial value with your personal value, but remember, you're so much more than your bank balance.", "Unhealthy coping mechanisms folks, this is a big one.", "When you're financially strapped, it's tempting to turn to unhealthy coping mechanisms.", "Impact on physical health", "Your mental health and physical health are two sides of the same coin.", "Financial stress often leads to poor nutrition and inadequate health care, and guess what?", "Your mental health suffers alongside your physical health.", "What's the best way to deal with mental health?", "The vicious cycle", "One of the most frustrating aspects of all this is the vicious cycle it creates.", "Poor mental health can make it harder to manage your finances, which in turn, worsens your mental health.", "Call to action", "This is a topic we could spend hours discussing, but let's wrap it up.", "The point is, if you or someone you know is going through this, you're not alone.", "And it's crucial to break the silence and seek help.", "There are community resources, helplines, and professionals who can help you navigate both financial and mental health issues.", "If you found this video helpful, please give it a thumbs up and share it with anyone who might benefit from it.", "At Wellness Warriors Hub, we believe in the transformative potential of adopting a holistic wellness perspective.", "Our channel is devoted to providing you with insightful information, useful advice, and motivational content to optimize your physical, mental, and emotional health.", "Don't forget to subscribe for more content that helps you navigate the challenges of life.", "Thanks for watching, everyone.", "Take care of your minds and your wallets, and I'll see you in the next video.", "I'll see you then." ]

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[ "800-432-1000. I answered the phone. The lady said, hi, my name is Amber. I'm calling from", "Bank of America about fraudulent activity on your account. I said, okay, hi, Amber.", "Amber said, this is in regards to account, blah, blah, blah, with debt linked to debit card,", "blah, blah, blah. She had all of my information. She said, I'm going to send you a code to verify", "your identity via text message. I get a text message code that comes to my phone from Bank", "of America, from like I have a previous chain. You know, if you call your bank and they need", "to verify a code or whatever, it came in a chain that I already had messages.", "From Bank of America. I give her the code. She says, okay, one of the things on your account is", "a $435 purchase at Whole Foods in San Diego, California. Are you traveling? I said, no,", "I'm not traveling. So when she said that, I thought to look at my mobile app and see if", "anything was on my app. I said, well, this isn't showing up in my app. She says it wouldn't show", "up in my app. Always if I sign up, I'm asking for her phone number. But actually, I became", "Background Seong Hwa 오빠 on Facebook that following our organizational failures. All", "the vans I've tested were able to send text messages, connect to my phone and rausage", "my contact information. She said that she limited the number of calls off. I said no.", "No, by six twenty one of every six 변 scored a five, which I think is too low. So thank", "This lady called me at 618.", "By 621, I received two emails.", "First email saying your online ID has been looked up.", "Second email saying your online ID password has been changed.", "Within three minutes, whoever that was, was able to look up my online ID and change my password.", "So I could not access my account.", "So now the fraud department that I'm talking to has to transfer me to another immediate department that can access and freeze all of my accounts.", "So when I'm speaking to them, she said, hey, this is happening.", "It doesn't look like any transactions have happened.", "But since they've already had access to your account and logged in via your online ID, that means that they have your checking account numbers.", "And that means they have your account and your routing numbers.", "So I now have to change all of my bank accounts that I have with Bank of America.", "I have to change my bank accounts, get new bank accounts.", "Luckily, I was actually speaking the second time to the actual fraud department.", "They freeze all of my accounts and they put a massive hold on my account so that no other transactions could be made from my bank account.", "So if you get a phone call from somebody that says that they are calling from your bank and they ask you to verify any number via a text message, any number or verification code via email, do not verify it.", "You immediately hang up and you immediately call your banking account, like call your banking center back and ask to speak to the fraud department.", "And verify that you that somebody just called you.", "The lady that I spoke to from the Bank of America fraud department says they never call and ask you to verify information.", "You would only get an authentication code or a code to let you like verify your account if you call the bank, not if the bank calls you.", "Again, this phone call came from 800-432-1050.", "The number on the back of the card says 1-800-432-1000.", "So some way, somehow there is a company that is able to call you from a number that looks like Bank of America.", "They are sending you text messages that look like it comes from Bank of America.", "While which gives them access.", "To your account.", "Mind you, I didn't tell this lady anything.", "I didn't say any of my account information.", "I didn't give her my social security number.", "I didn't give her my debit card number.", "I gave her an authentication code that she sent to my phone via text message.", "That's all I gave her.", "And that phone, that code that I gave her came from Bank of America.", "It said it was Bank of America.", "So.", "Again.", "If you get a phone call.", "And it's from your banking.", "They said somebody that says they're from your bank.", "Somebody that says they're from your credit card.", "And they ask you to verify information.", "You ask who you're speaking to.", "Say, may I ask who I'm speaking to?", "Get their first and last name.", "You hang up.", "And then you call your bank back yourself.", "So as of right now.", "I have no access to any of my.", "Well.", "So.", "Because of that.", "While I was on the phone with Bank of America.", "They had to change my online ID.", "And give me a new password.", "So I now have a new online ID.", "I now have a new password.", "But I don't have any money.", "Because they had to put a big negative balance on my account.", "To ensure that no other withdrawals would hit my bank account.", "So." ]

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[ "दोस्तों इस वीडियो में हम लोग बात करने वाले हैं", "यूपेई टैंजेक्शन के लिए हमें कौन सा बैंक का यूज़ करना चाहिए", "बैंक के साथ में हम लोग उस नेटवर्क के बारे में बात करने वह है कि कि बैंक के अनेट वर्थ से सबसे ज्यादा", "राजिक्शन होते हैं तो दिखा सबसे पहले नंबर पर हम इस बैंक इस बैंक से सबसे ज्यादा राजिक्शन होते हैं", "और एब्स बैक की � scare dexcom rigorous", "का Trevi फस्त के बाद起 कि बाद की बाद की बाद गई है", "कोटीबिक्शन प्रकुटेशन", "का यारह कब हुस्त इन्हो चुका यह प्रकार से लांग न अव और परसिक फिलो कि", "संयौन ख़ते रम और क्यान न मैं तक फिर", "फिल्यर का सामना करना पड़ता है लगभग इसके 12.44 पर सिंह लगभग 13 पर सिंह के लगभग यहां पर ट्रैनलिशन", "फिल्यर होते हैं देन सेकंड नंबर पर अपना कैनेजर बैंक देन थर्ड नंबर पर अपना एसबेज एसबेज को भी काफी ज्यादा", "त्रेषानी होती है इसके शरवर what do おर काम ही नहीं करते इन सिर्फ अपनी क biscuit रूप में खरो नले", "ऑफ कोलेक्ट अपना फून वेस्ट बैक को सर्वर काफी डस होता है इसके त्रेनियर फिस को होते हैं लेकिन साथ", "के लगभग है वह अच्छा प्रफॉर्म कर रहा है लगभग इसके डिपॉजिंट का ट्रिंसिंट फेलियर देखने को मिला", "है लेकिन यदि हम बात करें कि गॉवर्नमेंट बैंक में आपको किस बैंक कर यूज करना चाहिए और यदि आप", "of India जी हां सेंटरल बैंक ऑफ इंडिया में लगभग एक परसेंट से भी कम का ट्रांजेक्शन फिलियर देखने को मिलता", "है सेंटरल बैंक ऑफ इंडिया के सर्वर काफी अच्छे तरीके से काम करते हैं मतलब आप यूपे ट्रांजेक्शन के", "लगभग का चीज खतर लगा सकते हैं पिसने को सुना पर यूपे ट्रांजेक्शन के लिए算 बंक के ऊंगोगज फराइड", "प्रीमेहटेश्य नैरंव प 토क और अतितििक होने ऊपर लगकर अच्छा डिपेट Wasser大丈夫 No", "मिलेगा ही नहीं, तो आप 2nd number पर use कर सकते हो, अईस आईसिया bank, then आप 3rd number पर use कर सकते हो, एकसेस bank,", "तो आप 4th number पर use कर सकते हो, कोटेक मैंद्रा bank, and then 5th number पर use कर सकते हो, एसडिउक्से bank,", "बकी यदि आपको Government Bank use करना है, तो आप Central Bank of India को use कर सकते हो,", "दोस्तों इस वीडियो में बस यही था", "यदि आपको प्रावेट बैंक यूज़ करना है तो आप", "Paytip Payment Bank को यूज़ कर सकते हैं यदि आप", "Government Bank को यूज़ करना चाहते हैं यूपाय टाइंजेक्शन के लिए", "तो आप Central Bank को यूज़ कर सकते हो", "सो दोस्तों इस वीडियो में बस यही है" ]

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[ "लीविंग इंटीरिय डिजाइन के नाम से", "इस कंपनी ने हैदराबाद के आसपास के गाउं से", "53 लोगों का खाता ICICI बैंक में खुलवाया", "ये बोलकर कि कुछ टाइम बाद उन्हें बैंक से लोन दिलवाया जाएगा", "खाता खुलने के बाद इन सभी 53 लोगों का बैंकिंग एकसेस अपने पास रख लिया", "और इन सभी 53 लोगों को अपनी कंपनी का एमप्लोई दिखा दिया", "फिर हर महीने इन 53 लोगों के खाते में 50,000 रुपे से लेकर 1,00,000 रुपे तक की सैलरी डाली जाती थी", "जिसके बाद इन सभी 53 लोगों के खाते से क्रेडिट कार्ड के लिए अपलाई किया गया", "और 53 में से 34 लोगों को क्रेडिट कार्ड बैंक ने इशू कर दिया", "अब क्रेडिट कार्ड बनते ही एक ही दिन में सभी क्रेडिट कार्ड की जितनी भी लिमिट मिली थी", "वो सारी खतम करके 1,33,000,000 रुपे लेकर ये 5 लोग फरार हो गये", "थोड़े टाइम बाद जब क्रेडिट कार्ड की कोई भी EMI बैंक को नहीं मिली", "तब बैंक करमचारियों ने उस गाउं का दोरा किया", "और उस गाउं के लोगों की financial condition को देख कर बैंक करमचारियों को इस fraud का पता चला" ]

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[ "और ऐसे में अगर आप किसी गलत UPI में पैसे ट्रांसफर कर दें", "तो उसे कैसे रिकवर कर सकते हैं आज वही समझेंगे", "सबसे पहले आपको www.npci.org.in पर जाना होगा", "गेट इन टच के ड्रॉप डाउन में UPI कम्प्लेइन के ओप्शन को चूस करें", "कम्प्लेइन विंडो में आपको ट्रांसेक्शन का ओप्शन मिलेगा", "जिसमें आपको तीसरे नंबर का इशू यानि इनकरेक्टली ट्रांसफर टू अनदर अकाउंट को चुनना होगा", "अब अपनी बैंक डिटेल्स तारिक मेंशन करके फॉर्म सम्मिट कर दीजे", "रिक्वेस्ट मिलने के बाद एंपी सी आई और बैंक एक साथ मिलकर जल से जल्द आपकी प्रॉब्लम को सॉल्फ कर देंगे" ]

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[ "है तो आपको क्या करना चाहिए मैं आपको एक ऐसा ट्रिक बताऊंगा जिसका उपयोग करके आप उसकी फ्रॉड एक्टिविटी की", "वास्तव पैमेंट है उसके पर करके नेक्स्ट करना नेक्स्ट करने के का आफ जो डिटेल पूछे जाती है वह डिटेल", "पूरी फील करके अपना इसकी इन्शोर्ड करतेज करके यहां पर डिजीटर सिग्नेशटर करके आप संबीटेट के", "प्रश्न प्रश्न" ]

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[ "I don't know what trading is. Where do I start?", "Practical advice. Don't worry about it. Put money into, if you're in the UK,", "into stocks and shares ISA, which is a savings account, or in America, your Roth IRA or 401k.", "And if you can invest money, invest it into a stock market index fund. Basically,", "what that means is that instead of buying one company like Apple or Microsoft or Tesla or", "Google, you're buying a stake in the top 500 companies in America, which would just so happen", "like if you put 100 quid in something called the S&P 500, three pounds would go to Apple", "and you'd own three pounds of Apple. And that means you can invest in the stock market without", "worrying about trying to cherry pick individual stocks, which doesn't work for anyone unless", "you're like a very, very, very professional hedge fund manager. And even then, for those guys,", "picking stocks doesn't really work. That would be my advice to people. I think it does help to", "have a first principles understanding of what the stock market is and how that kind of stuff works." ]

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[ "gonna be talking about CDs certificates of deposit not compact discs because who", "listens to CDs anymore okay maybe I have a couple in my car still but you guys", "before we dive in and talk about CDs and what they are and when you should be", "using them if you are ready for financial freedom right now comment", "freedom below in the comments or just give me a random comment to help out the", "YouTube algorithm so more people can see this video alright let's talk about CDs", "and essentially what a CD is is a certificate of deposit essentially it is", "an offer that banks or credit unions have where you can deposit a lump sum of", "money and they will hold that money for you and pay you interest on that money", "and that can be monthly or quarterly depending on how the CD is set up but", "they give you a fixed rate of deposit and that's what a CD is and that's what a", "CD is so it's kind of a nice way if you want to rely on a certain amount of", "interest rate they give you a fixed interest rate that they are paying you", "so it's kind of a nice way if you want to rely on a certain amount of income", "for your money that you're investing because with the stock market it's going", "to go up and down if you're invested in stocks and it's a little more risky and", "bonds if you're investing in a bond fund then the interest rate will also change", "with that and depending on what's happening in the economy and that can go", "down quite a bit or it could even come up but with CDs it's a fixed rate and you", "are locked in for a certain time frame which could be maybe six months a year", "two years five years there's a whole bunch of different offers that banks and", "credit unions have so depending on your needs for your money you can choose a", "time frame that you're comfortable with to have your money locked in at a bank", "or credit union", "and earning that certain amount of interest every month or every quarter", "that's essentially what it is so this is kind of just reducing risk that may be", "associated with other types of investments that you could do and you", "know the amount that you're going to get back for investing your money because", "it's a fixed interest rate and there's all different types of CDs and some of", "them will charge a penalty if you withdraw that money", "you were to set up a CD for one year but you decided in six months oh I need that", "money I want to withdraw it you can withdraw it but there is going to be a", "penalty and usually it is the interest that you would be earning on that money", "and it could be that interest for maybe three months or a month it depends on", "how long your CD is set up for so that will vary over time so you could pull", "your money out but be aware that there is a an early withdrawal fee and some", "CDs are actually set up where there's no early withdrawal fee and but usually the", "interest rate that you would be earning would be a little bit lower but just", "depending on what you want to do with your money and how flexible you need", "that to be there are options out there that do not charge that early withdrawal", "fee or penalty and rates vary so don't just go to your local bank that", "you're in you're going to be able to get a free CD and get a free CD so that's", "want to do some research online and look and see who has the best rates for CDs", "because they're going to vary quite a bit there are some at credit unions that", "may be 1% and then online they could be two and a half percent that's quite a", "bit of difference so really shop around and find which CDs have the best rates", "and also some of them actually have the CD set up so you can withdraw the", "interest that you're earning monthly or quarterly but not the principle that", "you've invested so if that is something that you would want to do rather than", "just reinvesting that money that you're earning you could pull that out so you", "want to shop around and see which CD which bank or credit union is offering", "the CD that most aligns with", "you", "what you're looking for and I did a video earlier about bonds and bond funds", "and I had mentioned in that video that it could be a good idea to invest in CDs", "instead of bonds depending on your preference and what you're looking for I", "wanted to share this article with you that I found online on the finance buff", "and he had invested in a CD and he does a comparison with a bond fund against", "his money that was invested in the CD and he did it over a period of five", "years and what he found was", "the interest rate that he had on the CD was three point zero four percent so", "each of the five years that's the amount that he's earning that's the interest", "rate he's earning and he compared it to the Vanguard total bond fund and in the", "first year it earned five point eight nine percent so quite a bit more than", "the three percent but then the second year's only point four percent and then", "it was two point six three point five six and then a negative point zero three", "percent and then the overall average of the", "was two point four six percent for the bond fund whereas his CD earned that", "consistent three point zero four percent so in this case that actually ended up", "being better for him to invest in the CD rather in that bond fund and of course", "it's not always going to work out like that but it is just kind of an option", "and the way you can think about this is you can lock in a CD if there's one out", "there that's at a really good interest rate you can lock that in for let's say", "five years and you have your money in there and then when that money matures", "you can decide okay well CD rates are still really high so I can invest that", "money in another CD or they've gone down quite a bit so I'm gonna actually switch", "over and invest that money in a bond fund so it's not like you're locked in", "for life and only doing CDs or only a bond fund you can do one or the other or", "even", "both at the same time just depending on your preference and how much risk you", "want to have and if you think that the CD can outperform and I don't want you", "you know making assumptions if or gambling when you're investing your", "money right just kind of think okay on average bonds have returned 2% up to 4%", "after inflation so if you are finding a CD that you know is maybe three", "three percent then that could possibly be a good investment instead of putting", "your money into bonds because of that variation with investing in bonds and", "this way you're locked into that three percent rate I don't actually know what", "the longest length is that you can invest in a CD but I wouldn't do it for", "a super long time unless I wanted to share this with you guys I remember when", "I was younger and I I had to have been in my teens maybe like 18 or something", "my credit union had a CD that was 7% interest and how do I have known what I", "know now I would have put a ton of more money into that CD and locked it in for", "as long as possible because a guarantee 7% return on your money is really good", "and of course I've made more in stock so I wouldn't put all of my money in that", "but that was such a good return and I didn't", "realize that it was worth what it's worth and I think that it was honestly", "want to consider all right I could lock in my money for let's say three years at", "three percent and feel good about that because I want to mitigate my risk and", "maybe you know I'm gonna start withdrawing that money I'll be in", "retirement in a couple years so I'll start withdrawing that money then so", "kind of you know look at your situation and how flexible you can be with your", "money and and then decide okay this is a pretty good interest rate on this CD I", "can lock that in for two years three years and feel good about that and then", "I can you know come back when that CD has matured and say okay well CDs have", "gone up in price and you know maybe I want to put in my put my money in another", "one for another two years", "and lock that in or if it's the opposite and they've gone down then you", "can say okay I still want my money to be pretty secure pretty safe so I can put", "it in a bond fund and kind of have that varying interest rate but I think that", "would be higher than a CD and keep in mind that you are only insured and this", "is for most institutions you need to check with the one that you select but", "most institutions will guarantee a two hundred fifty thousand dollars so if you", "have a ton of money and you're not sure if you're going to be able to get that", "money that you're going to be putting into a CD you know you probably don't", "want to put in more than that FDIC insured amount to keep your money safe", "because that's essentially what you're doing if you're investing in CDs or bonds", "you are trying to mitigate that risk and you want a safer investment so you don't", "want to go over that threshold and not have that guarantee just in case", "something was to go wrong another reason you might be investing in a CD is that", "if you are saving for something in particular maybe you want to buy a car", "in a couple of years or you want to put a down payment on a house in a few years", "or take a really cool trip to Israel or something you know whatever it is that", "you're working toward or maybe you just really need help in not having that", "temptation of spending your money then you can set up a CD for that specific", "purpose and you can you know save your money that way", "so that you're not tempted to spend it on something else instead of this goal", "that you want to be working toward so you can put you know your money in a CD", "have it locked in and realize there's that penalty if you try to withdraw it", "early and it's also a safer in investment so you're not worried about", "losing money when you're ready to buy that house in two years or ready to buy", "that car in three years so you have that money set aside and you've earned some money so that's what I'm thinking right now.", "some interest on it and you're not tempted to spend it elsewhere one last", "point that I want to make is that you really want to shop around when you are", "looking at CDs because some of the savings accounts out there especially", "with online banks are actually higher than the rates in a CD and granted", "savings rates can change over time but you don't want to be keeping your money", "in something that's not going to be earning you enough interest to make it", "worth it to lock it in for a certain time frame when there's a savings", "account that you can put your money into and make more interest by putting it in", "the savings account and hopefully you're not tempted to take that money out of", "that savings account hopefully it's at a separate institution from your normal", "bank that you use all the time but you know keep that in mind I actually had a", "friend that met with her financial advisor and had recommended these", "certain CDs for her to", "put her money into and luckily she talked to me before she did this because", "the rates that those CDs were returning were a lot less than just a simple online", "savings account and I get the fact that that is a locked rate but you don't", "really want to be locking your money in to like a 1% interest rate or even a 1.5", "interest rate because right now a lot of the banks are returning around 1.9% in a", "savings account and you really want to be careful with what you're putting your", "money into because you know with that money you could actually put that into", "the bond fund which would be a little more risky but you would probably earn", "more money than putting it in a CD that's only worth one percent so be", "really careful and shop around and see what the rates are on CDs and on savings", "accounts so that you're not locking your money in for you know an", "five years at a 1% interest rate and especially when you know interest rates", "might be on the rise um you know take that into consideration and really think", "okay is this going to be a good investment for me right now or are the", "interest rates that banks are paying are they on the rise so maybe I don't want", "to lock in all of this money at this current rate really think about what", "would be the best possible investment and there's a catch to that because you", "don't want to do too much research and start to feel overwhelmed and then end", "up doing nothing with your money and just leaving it in your drawer earning", "nothing so you do want to take action but you know you can just set a timer", "okay I'm gonna spend 15 minutes researching CDs and savings account see", "what's the best and then just go with it so you still want to be taking action", "but", "you don't want to go in blind so you want to be as smart about it there's", "lots of websites out there that will actually pull in a whole bunch of", "different CDs from different banks or credit unions and you can look on just", "one website and find you know multiple CDs and then pick the one that works", "best for you so it's pretty simple to do some research in a short amount of time", "hopefully this video was helpful in understanding CDs a little bit and", "knowing what to look for and what to do next so if you're looking for something", "custom as your favorite Culinary", "you're investing your money as well and if you found it helpful please hit the", "like button and run it with someone else who would like to hear this information", "and if you guys have other ideas about content you would like me to create for", "you please put that in the comments below and if you already have a CD you're", "investing in or a really high interest savings account please put that in the", "comments so we can share that information with everybody and don't", "forget to hit the subscribe button to subscribe to my youtube channel that I'll", "really help me out and get this channel out to more people if you found this" ]

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[ "With the fate of the program now uncertain, Temple Economics Professor William Newman says Biden's plan would have the potential to make major changes to college education.", "Assuming all this goes through, what can we expect?", "Well, you're going to see an increase in college applications.", "So it makes it much more achievable for a lot of people who think they want to go to college or parents who want their kids to go to college.", "Now they think they're going to be able to afford it with each loan structure.", "Newman also noted that the debt relief plan would also wipe out some community college debt as well." ]

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[ "बिल्कुल सर, हम आपकी जरूर साहता करेंगे", "आप बस ये फ्री अकाउंट ओकनी फॉर्म फिल कर दीजे", "इसके साथ पंजासा रुपे का इंशुरेंट फॉर्म भी फिल कर दीजे", "इंशौरेंस?", "इसके reply में बैंक ने खुद लिखा है, बार-बार लिखा है", "कि सेविंग्स अकाउंट खोलने के लिए इंशौरेंस मेंडेटरी नहीं है", "लेकिन फिर भी ये प्रैक्टिस लगातार जारी है", "जबकि फिनांस मिनिस्ट्री, इवन आयाई डीआई ने भी", "बैंक्स को इसके अगेंस्ट वाउन किया है", "अगर आपके साथ या आपके किसी जानने वाले के साथ ऐसा होता है", "तो इसकी कम्प्लेंस सबसे पहले करिये बैंक के हेड ओफिस में", "प्राप्त करें" ]

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[ "Many people invest in CDs because they're a relatively safe, short-term investment that typically provides a higher interest rate than a savings or money market account.", "The main difference between savings or money market accounts and CDs is time.", "With a savings or money market account, an investor can withdraw funds at any point with no penalty.", "However, with a bank CD, an investor is required to keep the money deposited with the bank for the term of the CD, or pay an early withdrawal fee.", "CDs are available in different lengths, deposit amounts, and interest rates. Terms and fees can also vary.", "While individual CDs can vary drastically, the majority are issued either by a bank or a brokerage.", "Bank CDs are available in different lengths, deposit amounts, and interest rates.", "Brokered CDs are usually FDIC-insured for up to a certain amount, meaning they're guaranteed by the U.S. federal government against loss.", "Brokered CDs, on the other hand, start as large CDs from different banks.", "Brokers split these up and sell them in smaller chunks to individual investors.", "Because brokered CDs are made up of pieces of multiple bank CDs, they can help investors with larger accounts maximize FDIC coverage.", "FDIC coverage of a single investment is limited and could be maxed out.", "Brokers can also be maxed out by a large single-bank CD.", "But because brokered CDs are issued by multiple deposit banks with separate FDIC coverage limits, an investor may be able to stay FDIC-insured while going over the standard FDIC cap by purchasing CDs from several banks.", "Although CDs are moderately safe investments, they aren't risk-free.", "All CDs have risks, including inflation risk, interest rate risk, early withdrawal fees, and market risk.", "Inflation risk is the possibility of a bank to buy a CD.", "It's also the possibility that rising inflation rates will outpace interest rates.", "If this happens, the real value of your investment could be less than when you made your initial deposit.", "CDs also have interest rate risk.", "If interest rates rise, your money may still be locked up in a lower-yield CD, making you miss out on potential returns from a better investment.", "Then there's the risk of early withdrawal fees on bank CDs, which could cut into profits.", "Although brokered CDs aren't subject to early withdrawal fees,", "brokerages may be able to get a loan from a bank to buy a CD.", "Brokered CDs also have market risk, meaning that if you have to get out of your brokered CD early,", "you may have to sell the CD at a loss, although you'd still keep the interest you earned.", "Despite these potential drawbacks, if an investor holds a CD to term,", "it can be a reliable and safe fixed-income investment in a portfolio.", "In our trading process, it's critical to destroy risk as well as için gob CCTVs,", "over the defense of moving goods or private island groups.", "When producing coins, тор" ]

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

[ 0, 0 ]

[ "आप क्या करोगे अच्छा चोटी सी ट्रीक है तो सबसे पहले आपको अपना ग्रोम खोलें उसके बाद आपको सर्च करना है", "एनपीसीआई एनपीसीआई की वेबसाइट सामने आ जाएगी उस पर करना टैप खोने में आपको यह मोर ऑप्शन का टैप दिखेगा", "एक ठोड़ा नीचे स्क्रोल करें तो यह जगह कैंटर फॉर यहां पर आपको देख रहे यूपी आइए कंप्लीन यह उपयो में", "खर्न टॉप नहीं धूस्ट करोगे तो यह है फॉर ट्रांजेक्शन यहां पर ट्रांजेक्शन नेटर सलेक्ट कर सकते हैं यहां", "यहां पर अपना इशू टाइप सेट कर सकते हैं जैसे अपने किसी को गलती से पैसे भी दी आपके पैसे फस गए वह कोई भी", "आपकी समस्या यहां पर डाल देना और नितियास में थोड़ी अपनी डिटेल फिर करने बैंक का नाम होगा जैसे यूपीएड", "यह कितनी अमाउंट यह सब डिटेल आपको सबमेट करोगे तो थोड़ी देर में आपकी समस्या का निवारण हो जाएगा इस तरह", "की और समस्या के निप्तारे के लिए टेक्ट्रोजी को फॉलो करें" ]

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[ "NHS backlogs.", "We're reaching the point where millions of people are anchorsly waiting for the", "treatment that they desperately need.", "Energy bills doubling. Inflation at a 40-year high.", "Everyone poorer.", "Levelling up is at the heart of everything that this government does.", "This chancellor has raised taxes to the highest rate for 70 years.", "Right.", "Millions of families across the country at the moment are grappling with rising bills", "in food, filling up your car and everything else.", "You were chancellor until a few weeks ago.", "UK growth is set to be the worst in the G20 besides Russia.", "Another study says we will go from 18th to 31st out of 38 OECD countries.", "Members here see their pounds shrinking probably as fast as they see their high streets closing.", "Levelling up is at the heart of everything that this government does.", "It's important because it's about families.", "Because it was clear we were heading for a...", "painful cost of living crisis early this year.", "You could see it coming.", "You could see it coming at the end of last year.", "But the taxes you chose to raise, national insurance and freezing income tax thresholds,", "they reduced people's take-home pay and made the cost of living crisis even worse.", "I also chose to raise taxes on the largest companies in this country.", "Well, you're not doing that till next year.", "Well, levelling up is at the heart of everything that this government does.", "You have dragged very low earners into the 20% tax bracket and before they didn't pay any tax.", "That way to raise money is undoubtedly objectively progressive.", "Well, that's one hell of a party political broadcast." ]

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

[ 0, 0, 0 ]

[ "today has unveiled UPI for feature phone", "users it's called UPI 123 pay so with", "that feature phone users can do a host", "of financial and non-financial", "transactions whether it's your utility", "bill payments mobile recharge fast tag", "recharge p2p payments DTH recharge all", "of this can be done using that and no", "smartphone required no internet required", "in your phone all you need to do is link", "your bank account to your feature phone", "in fact you can also set or change your", "UPI pin or you can even now put in a", "query for your account balance using", "this particular app apart from UPI 123", "what RBI also announced and unveiled", "today is DigiSathi for all the queries", "that you have you can log on to their", "website you can talk to the chat box or", "call on their toll-free numbers for all", "kinds of queries that you have for UPI" ]

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[ "So we'll talk about the main elements for the card, but we do have a full review on our website", "if you want to see some of the smaller details about it. I'll link that in the video description.", "If you're watching on YouTube, just check out everything below the video screen. If you're", "watching on our site, you can easily look for the full review. All right, so let's get started with", "the core rewards for the credit card. We'll ignore any limited time offers just for this video.", "So the card earns two miles per dollar spent on United purchases, which would include things like", "airfare, seat upgrades, and in-flight food and beverages. You also earn two miles per dollar", "spent at gas stations and on local transit and commuting. And the catch-all rate is that you", "earn one mile per dollar spent on all other purchases. So I think overall pretty solid", "rewards for a card that has a $0 annual fee. Yes, it's not as lucrative as some of the high-end", "credit cards, but it does give you a lot of value. So let's get started.", "It does allow you to earn elevator rewards and a few core spending categories. And again,", "it's not costing you anything to keep in your wallet year to year. And usually the card comes", "with the opportunity to earn a signup bonus. I won't mention the exact signup bonus in today's", "video only because it could change. In fact, signup bonuses with credit cards change frequently.", "And as soon as I mentioned the signup bonus and it changes, the video becomes a little bit stale.", "So if you want to see the current signup bonus, if you're watching on YouTube,", "I'll link that in the video description. You can see what they're currently offering.", "On top of that, the card also allows you to get discounts on in-flight purchases when you're", "flying with United and you use the card. It does not charge any foreign transaction fees,", "so you can pay with the card outside the US just like you would normally inside the US.", "And it comes with a pretty impressive list actually of consumer protections and insurance", "items. I won't list them out, but you can see those on our website. Now, anytime you're dealing", "with a rewards credit card, meaning a card that doesn't earn cash back, it earns points or miles,", "in this case miles, you have to not only consider the number of miles that you're going to get,", "but also how you could redeem them and what they would be worth when you do actually redeem them.", "Now, fortunately for this card, it does come with several different redemption options.", "You can get gift cards. You can also just book car rentals and hotel stays,", "but probably the best option of all is to just book future flights with United.", "And from my experience with United, this is the best way to maximize value. It does take a little", "extra time to get rid of the cost of the card, but it's a great way to maximize value. And it's a", "research. If you're willing to put that in, it can be a great way to get some extra value out of", "your miles. So it's just a quick overview of the card. You can find more information on our website.", "I would say it's certainly one of the best entry level airline credit cards. That said, I would", "not outright ignore some of the more premium airline credit cards because oftentimes if you", "look at the annual fee and then you look at the list of perks and the rewards, there can be some", "decent ways to offset those annual fees. So I know it's attractive to look at a card that has", "a $0 annual fee. And again, I think there are some nice upsides with the card, but I don't think", "you should ignore their more premium cards as well. So you can find more information about", "those on our website. That's it though. Have a great day.", "Thank you." ]

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[ "It's convenient. It's accepted everywhere Visa's accepted.", "Fight is very careful how he uses the card and says he's able to avoid almost all fees.", "But Consumer Reports Money Advisor's investigation of 26 prepaid cards finds many carry hefty charges.", "You can be charged an activation fee, a swipe fee every time the card is used, a monthly maintenance fee, and even a dormancy fee for not using the card often enough.", "Consumer Reports says some of the highest fees are on the AccountNow Gold Visa prepaid card.", "It charges $9.95 per month, as much as $4.95 to load money onto the card, and $2.50 for every ATM withdrawal.", "And with the NetSpend prepaid Visa pay-as-you-go card,", "you're charged every time you use the card.", "For a daily user of the NetSpend pay-as-you-go card, the swipe fees could add up to hundreds of dollars a year.", "The worst prepaid card in Consumer Reports ratings is the American Express for Target.", "You can only reload it at a Target store unless you have a bank account or direct deposit.", "To get cash from an ATM almost always incurs a fee, and the card isn't FDIC insured.", "But Consumer Reports did find some cards offer good value and convenience.", "They include the", "Emerald card from H&R Block and the Bluebird card with direct deposit.", "The Green Dot card is another good choice.", "As Michael Fitas found, almost all fees can be avoided if you use it 30 times a month and reload with direct deposit." ]

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[ "Joe Biden doesn't need to. Joe Biden has centered his campaign around being the most pro-union", "president in history and how better to cap that off than showing up and making history by standing", "on the picket lines with these striking workers. And I think it's worth pointing out since we're", "talking about, you know, track records here, Donald Trump blamed the UAW for the auto", "industries near collapse during the financial crisis. Joe Biden points to that same moment", "as an example of where the UAW stood up to save the industry. So that tells you really", "everything you need to know about the two different positions the president and the", "former president have." ]

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

[ "They rejected it for some unknown reason.", "Not because of credit, not because of the payment history, but I feel that they were just being unfair and careless.", "And I just want people to know that if they do business with this organization, to ask questions as to why their loan was rejected, if it's rejected.", "They attract a customer with better credit.", "They have a credit history, which I have.", "And then they reject it for no unknown reason and won't tell me in an email.", "They are just being difficult to deal with.", "And I just want you all to know about it.", "Don't get bullied by someone if you have a perfect payment history, beautiful credit.", "Just don't sit still for it.", "Well, you know, I became a customer with Lightstream back in 2018.", "And the original loan that I took out was a personal loan.", "It was for $7,000.", "That term of the loan was for 60 months.", "I paid that loan in a little more than a year and never missed a payment.", "Perfect credit record.", "I scored.", "In the 800s on my credit bureau reports.", "Then I took out a second loan with Lightstream in 2019 for $10,000.", "And that term was 72 months.", "And that's current right now.", "And I have a $5,000 balance.", "That's how fast I paid it off.", "I always pay ahead.", "Never missed a payment.", "So I went to them.", "Last week, I believe it was.", "And applied for the loan.", "They rejected it.", "I still don't have the reason.", "And I was a little upset about it.", "So I emailed them and I asked them for their corporate contacts to talk to the corporate office.", "And the email that came back said,", "We prefer to have you.", "We have to keep you on the phone because emails cost more.", "Yeah, her name was Stephanie that sent that.", "And they cost more.", "And the rates could be higher as a result.", "That's not true.", "I've never heard that before.", "So, you know, it just irritates me.", "I went somewhere else and I borrowed it in a day.", "The loan was closed in a day.", "No problem.", "I did discover their email for their CEO and even a phone number.", "So I'm not finished with them yet.", "You know, I don't want to do business with them in the future.", "So I'm not looking for them to complete the loan.", "I'm going to pay off what I have.", "Just maybe.", "A letter of apology.", "That's all.", "Just simple.", "Not looking to benefit by anything.", "Oh, because I feel it was unfair to a trustworthy customer who's never missed a payment on anything.", "I mean, I just don't have late payments.", "And I took it as an insult.", "And I think other people...", "I think other people should not be treated this way.", "Banks are just...", "They're bullies.", "And, well, this one is in this case.", "Now, my bank, Chase, is not that way.", "Chase, you know, they're easy to deal with.", "But they're just being a bully.", "It sounds like the loan process got into someone's hands who just didn't care or pay attention to my history.", "And that's the reason I went public with it.", "I think other people should know about it.", "Well, I would say if they're in the same situation I'm in with very good credit, very good payment history,", "and if they're rejected, I would say to them to question, you know, start questioning why.", "Or talk to the underwriter that rejected it.", "Or talk to the CEO or a manager.", "They won't let you do that.", "And so I would advise them, you know,", "don't sit still and take it.", "Because why would they be rejecting a perfectly good loan?" ]

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[ "I might say copious leaks that came out that seemed to get the media before it got to us,", "one of the things that seemed at least beneficial to the government in getting out there was", "the grocery rebate, which seemed to be, I was thinking maybe it would be something to", "maybe reduce the carbon tax or to give individuals a benefit.", "But I'm really troubled.", "I can't see the difference between this and the GST rebate increase done the previous year.", "Can you tell me what's different about this grocery rebate than a GST rebate?", "Anyone?", "So why would you call it a grocery rebate when it's just a GST rebate?", "It seems odd to me.", "That's a decision for the government.", "I think when we go to grocery stores, we all find that prices are pretty high.", "But in terms of the mechanics, you're right.", "So there's no restriction that you have to, this is just for clarity,", "there's no restrictions on these rebates.", "They are HGST or GST rebates with respect to food or groceries", "because I've had numerous constituents call my office,", "as to understanding, asking me how this grocery rebate works.", "But just so you can clarify, there's absolutely no restrictions on how this money is spent.", "It really has no connection to food whatsoever.", "It'll be a payment that people receive.", "Yeah.", "So there is no qualifications or conditions on this money.", "People can use this for whatever they want.", "That's correct.", "Okay.", "So this was just simply some cheap marketing that the Liberal government put out there", "to help them, I guess,", "maybe push back,", "some of the trouble that people are feeling right there", "as food has, in some cases, doubled in cost over the last couple of years.", "We're at food inflation consistently near or above 10%,", "continue to be a challenge.", "And this Liberal government's response is cheap marketing.", "I think we know where that goes." ]

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[ "भारत में डिजिटल पेमेंट के स्कैम खूब हो रहे हैं।", "यदि आपकी UPI ID के साथ किसी तरह का कोई फ्रॉड होता है,", "या फिर UPI के जरिये आपके भी खाते से पैसे उड़ गए हैं,", "तो आप National Payment Corporation of India की वेबसाइट NPCI.org.in पर जाकर सिकायत कर सकते हैं।", "इसके लावा आप अपने बैंक से भी सिकायत कर सकते हैं।", "यदि सिकायत के बाद 30 दिनों तक भी कोई समस्या का समधा नहीं होता है,", "तो आप CMS.RBI.ORG.IN पर भी लिखे सिकायत कर सकते हैं।", "या फिर आप CRPC.RBI.ORG.IN पर इमेल के जरिये भी सिकायत कर सकते हैं।", "सिकायत आप जितनी जल्दी करेंगे उतना ही बढ़िया होगा।", "इसके लावा यदि आपके साथ किसी भी तरह का साइबर फ्राउड होता है और खाते से पैसे निकल जाते हैं,", "तो आप साइबर क्राइम पोर्टल त.ई.साइबर क्राइम ट.जीओबी ट.इन पर भी जाकर सिकायत कर सकते हैं।", "इसके लावा आप 1930 पर भी फोन करके सिकायत कर सकते हैं।", "NPCI के करंट चियर परसन कौन है जाओ अपना कमेंट सेक्षन रखाईए।", "ऐसी और अधिक जानकारिकली जुड़े रहें, अड़ा डोडी फोर सेवन अफिशियल यूटिब चैनल।" ]

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[ "इन दो तरीकों से स्कैमर्स ये फ्रॉड करते हैं", "आपको इससे बचना चाहिए", "सही वक्त, सही कदम, सतर्क रहें", "पहला, Request Money Fraud", "जिसमें फ्रॉडस्टर आपको मेसेज भेजता है", "और उस amount को receive करने के लिए", "UPA ID डालने के लिए बोलेगा", "ऐसे Payment Request फ्रॉड आजकल WhatsApp पे भी बढ़ रहे हैं", "दूसरा, SIM Swap फ्रॉड", "जिसमें कोई फ्रॉडस्टर बैंक से होने का नाटक करेगा", "और आपको कोई link पर क्लिक करने के लिए कहेगा", "जिससे आपका SIM डूप्लिकेट हो जाएगा", "और उससे अब सारे SMS और OTP फ्रॉडस्टर के पास जाएगे", "हमेशा ध्यान रखे कि कोई भी गलत link पर क्लिक ना करे", "और UPA ID और PIN किसी को फोन पे ना बताए" ]

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[ "आपको 5% कैश वेट देता है एंड फ्लप कार्ड एंड मेंटर पोर्चेस इस पॉइंट ओन पीवी आर उबर सुविधी टाटा स्काइड", "एंड ऑल एंड वन पॉइंट परसेंट ऑन ऑल यह अधर ट्रांजिक्शन स्नंबर टू आईएसी आईएसी एमेजोन पे क्रेडिट कार्ड", "इस कार्ड के थ्रू आज 5% कैश वेट को विल कर सकते हैं ऑन एवरी एमेजोन शॉपिंग इफ यॉर प्राइम कस्टमर एंड", "परसेंट इफ यॉर अनॉन प्राइम कस्टमर एंड थर्ड एक्सिस बैंक एस क्रेडिट कार्ड यह भी आपको 5% कैश वेट", "देता है ऑन बिल पेमेंट्स ऑफ इलेक्ट्रिसिटी इंटरनेट गैस एंड मोबाइल विचार्च ऑन गूगल पे फोर परसेंट कैश वेट", "पेमेंट्स विजिजो माटो ओला एंड फोर डोमेस्टिक एयरपोर्ट लाउंज एक्सिस इन एयर लोग अब इस कार्ड से डिस्क्रिप्शन बॉक्स बेलो" ]

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[ "People, central banks, have awakened to the need for gold?", "No, it's not waking up.", "They always knew in that toolbox they could use a gold revaluation, but they don't talk about that.", "Only when it's really needed, only when you reach the point that there's no other tool they can use to fix it." ]

[ 1, 1, 1, 1 ]

[ "लेकिन अगर बैंक ही अपने हजारों क्लाइंट के साथ फ्रॉड करे तो", "आपको भरोसा नहीं होगा लेकिन बैंक ओफ बडोदा ने कुछ ऐसा ही किया", "दो काम किये गए एक लिस्ट बनाए गई उन खातों की जिनके साथ कोई मोबाइल नंबर लिंक नहीं था", "दूसरी तरफ बैंक स्टाफ, सेनिटेशन, सेक्यूरिटी वर्कर्स, उनके रिलेटिव्स, घरवाले, परोसीस", "सबको नए सीमिशू किये गए और इन नंबर को उन बैंक अकाउंट के साथ जोड़ दिया गया", "और सबी की सबी फोन्स में एप को बार बार इंस्टॉल किया गया, लॉगिन किया गया और हो गया टार्गेट पूरा", "लेकिन दिक्कत तब होई जब कस्टमर्स ने UPA का इस्तेमाल करके अपने बैंक अकाउंट में पैसे गालने की कोशिश की और वो कहीं और जाकर ही ट्रांसफर हो गया", "और वहीं पे बैंको बड़ोदा ने अपने क्लाइंट्स और खुद की डेटाबेस की सेक्यूरिटी को भी दाव पे लगा दिया" ]

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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 रुपे 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 ज़ादा 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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[ "So if you have been toying with the idea of getting the Chase Sapphire Preferred, we got", "a bonus increase. You could now potentially get 80,000 points as a bonus, provided that", "you can spend at least $4,000 on the card in the first three months of having it. Those", "80,000 points, at the very least, are going to get you $800 in cash back. But for most", "people, you're probably going to want to use those for travel. Use 80k points through", "the Chase Ultimate Rewards Travel Portal. You'll get a 25% boost on the value of those", "points. So 80,000 points are going to equal $1,000 worth of travel. And then, of course,", "there are Chase's Travel Transfer Partners, where you could take all those points and", "transfer them into the Frequent Flyer or Hotel program of Southwest, United, Hyatt, Marriott,", "and there are others on that list as well. And potentially,", "you could get even more value out of them there.", "This is one of my favorite kind of bonuses because this is a card with a $95 annual fee.", "So when you have such a big bonus opportunity on the front end on a card with a pretty modest", "annual fee, that means you're getting a ton of value without having to pay a ton to get it.", "I always wonder how long it takes the credit card companies to actually break even and then", "eventually make a profit on a card like this when they offer this much of a bonus. I'm thinking", "it's got to be for a long time. I don't know. I don't know. I don't know. I don't know. I don't", "know, Raggedy.", "I know you're telling me this is more non-acknowledgmental than ever.", "Yes, you're right. He just got the card and that was back together for him.", "Oh, so in any case, they have what you needed.", "Yeah, so if you're a waiting for a actual won bid or you're an ongoing starting bid", ".", "Yeah.", "probably the best sort of starter travel credit card out there on the market if you're someone", "that is not quite sure if travel rewards are the way that you want to go. This card has a modest", "annual fee, so you don't have too much of a commitment, and it gives you a lot of flexibility", "in terms of how you use your points and still gives you a generous reward on those points", "regardless of how you use them. And that's not always the case with all travel credit cards", "out there. So with this one, yes, you have the travel options. You can go through the Chase", "Ultimate Rewards portal where you're going to get that 25% boost on the value of your points,", "and you have that sort of all-in-one booking portal where you can do your flights and your", "hotels and your car rental and everything all in one place. So if you prefer that, that's a good", "way to go. You have the travel transfer partners where you can transfer your points into a loyalty", "program, perhaps one that you are already part of and earning points on.", "But if you kind of start to go down that road and you feel like,", "this isn't really kind of working for me, you can just do cash back and you can get a penny per point", "on those points, which is going to be better than what you can do in most other travel programs", "because they're going to give you sort of more value on the travel end. But if you decide to", "just cash out, it's usually going to be at a worse rate, less than a penny per point. So Chase gives", "you a lot of flexibility and you can feel good about what you're going to get.", "In terms of value for your points, regardless of how you use them. And then of course,", "some people use the Chase Sapphire Preferred as sort of the anchor of what is known as the", "Chase Trifecta, where you get multiple Chase credit cards, combine the points together from", "all those cards, and then put them through the Chase Sapphire Preferred account so that you can", "get that extra 25% through the travel portal, or you can use those Chase transfer partners.", "Now, remember, you need to have either the Chase Sapphire Preferred or the Chase Sapphire Reserve", "on the console. So you can use those two. So you can use those two. So you can use those two.", "in order to use the travel transfer partners or to get that extra 25% in this case through the", "portal. So if you have the Chase Freedom Unlimited or the Chase Freedom Flex or both, you can earn", "points through them. But if you don't have one of the Chase Sapphire cards, you're not going to be", "able to access those travel transfer partners. So ideally, you have one of the Sapphire cards and", "then you have the Chase Freedom Flex and or the Chase Freedom Unlimited and you combine all your", "points together. So not only can you earn points through them, but you can also get the extra 25%", "more in certain purchasing categories by having all of those cards but then you can redeem them", "through the chase sapphire preferred account in order to get more value through the travel portal", "or to access those travel transfer partners now if you're getting the chase sapphire preferred", "i definitely would say that you should get other chase cards in order to maximize the value of this", "card and maximize your various purchasing categories across all of the cards but even", "if you chose the chase sapphire preferred as a standalone card not a bad choice three points", "per dollar on dining three points for dollar and most streaming services you're gonna get enhanced", "rewards on travel depending on how you book it whether through the uh chase travel portal or", "other travel that you spend uh on the card you have a potential 50 hotel credit if you book", "through chase ultimate rewards you have a 10 anniversary bonus every year where you're going", "to get 10 in points", "of the amount that you spent over the previous year which means if you spent ten thousand dollars", "for example you would get an extra thousand points on your account anniversary and then you've got", "good uh travel protections and insurances with this card including trip delay insurance you've", "got um baggage protection or baggage insurance you've got pretty good auto rental insurance on", "this card as well you've got extended manufacturers warranty so a lot of good extras here as well", "anyway 80k you're rarely going to see a bonus higher than that on the chase sapphire preferred", "so if you've been thinking about getting it now might be the time to do so we've got a link to", "the card in the description in the uh comments below if you want to use our link we'll get a", "little extra something which i will appreciate but of course i have no control over you physically so", "you can do anything that you want questions comments put them in the comments section", "below otherwise i thank you for watching and as always please go to proudmoney.com where we do", "credit card reviews we talk personal finance we talk deals and all sorts of other fun stuff so we'll see you next time.", "too if you're not going to leave a comment or you're not going to go to the website", "the next video for you to watch right there" ]

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[ "Are you also hearing Jennifer Garner ask,", "What's in your wallet?", "Well, what's in your wallet is very important.", "And as for all that credit card rewards talk, she might be on to something.", "Most people should be able to save at least a few hundred dollars every year", "just by using the right credit cards.", "If you travel as much as Peyton Manning,", "Extra night in San Diego.", "Morning.", "Or are a diehard Swifty trying to save on those expensive concert tickets?", "As these commercials will tell you, there's a card for everyone.", "And those cards will save you money.", "Well, that is, if you have the funds to make the rewards worthwhile.", "They could be really useful or they could be dangerous.", "I think the biggest tip is to know yourself.", "Love them or hate them.", "Those plastic or metal cards that can instantly", "purchase anything from a coffee to a car are no stranger to consumers.", "More than 80% of Americans own at least one credit card.", "Every time you pay for something with a credit card,", "you're borrowing money from the card issuer to cover your purchase.", "While it might feel like it, it's certainly not free.", "You then have to pay that money back either in full at the end of the month or over time,", "with interest.", "The average credit card charges about 20% interest these days.", "So it is a very profitable business.", "So first things first.", "If you're not in a place where you can pay that money back by the time it's due,", "experts don't recommend you have a credit card at all.", "Paying 20% interest on a balance that you've accumulated and then you pay interest on top of that.", "I mean, that's a really big hole that you're continuing to dig and it's going to be really hard to get out of", "if you don't pay your credit card balance.", "Credit cards require approval.", "Once you're approved, the bank authorizes a credit limit or the maximum amount of money you can borrow.", "That depends on factors such as your income,", "your other debts,", "and how much available credit you have on other cards.", "But here's the caveat.", "Whether or not you're approved depends on your credit score.", "Meanwhile, your credit score is determined by your credit report.", "The information related to your credit activity.", "Activity you might not have if you don't have a credit card.", "It's a catch 22.", "How do you build your credit history?", "Well, the simplest thing is really to get a credit card,", "use your credit card,", "and pay it on time.", "Credit scores generally range from 300 to 850.", "The higher the credit score, the more responsible you're deemed.", "Credit scores not only affect whether or not you get approved for credit cards,", "but also your credit limit and your interest rate on loans, mortgages, and the terms lenders may assign you.", "Insurance providers, landlords, and employers might also want to do a check to determine your trustworthiness.", "If your goals are to buy a house, get a car, get a loan,", "the first thing that you need to do in order to build your credit history,", "is to get that credit card going.", "Those Jennifer Garner commercials are for Capital One,", "but there are numerous companies in the U.S. that offer a wide range of credit cards.", "There's the issuers, American Express, Discover, Bank of America, Citi, Wells Fargo,", "and then there are the networks.", "They facilitate transactions between the merchants and the card issuers.", "The four major card networks are Visa, MasterCard, American Express, and Discover.", "Two of the world's largest card networks, American Express and Discover,", "are also card issuers.", "There are standard credit cards, rewards cards, balance transfer, charge, student, business, secured, limited purpose, prepaid cards,", "and the list goes on.", "Different options that may or may not be right for you depending on your personal circumstances.", "Standard credit cards are the most traditional type.", "They have an annual percentage rate or APR, sign-up bonuses, annual fees, late payment fees, balance transfer fees, foreign transaction fees,", "and the most exciting, rewards.", "There's actually a whole industry dedicated to maximizing credit card points and miles.", "Some people love it, and they love going down that rabbit hole and treating it like a game.", "Bankrate.com senior analyst Ted Rossman earned more than $1,700 in rewards in 2022.", "But getting the most out of your credit cards depends on your spending habits.", "Which perks would save you the most money?", "So how do you choose?", "If your family spends a lot on groceries, get a card that gives 5 or 6% cash back on groceries.", "Like, that's a really nice inflation buster right there.", "Maybe consider a second card that's just a solid flat rate, something like 2% cash back on everything.", "Most people should be able to get at least $200, $300, $400 a year just by using the right cards.", "Rossman says the rewards that get the most attention are the rewards that make the most money.", "And the rewards are often travel related.", "Flights, hotels, rental cars, access to airport lounges, free or discounted TSA pre-check, priority passes, global entry, or clear to get you through those long airport lines.", "I think a really good strategy for a lot of people is one of those transferable points cards.", "Something like Chase Sapphire Reserve or Amex Platinum.", "Being able to transfer to different airlines and hotels opens up a lot of options.", "The sort of next level tip is within that, if you find partners of partners.", "Like, United's part of the Star Alliance and American is part of One World.", "Then there's rewards for dining, groceries, gas.", "And also complimentary memberships and subscriptions.", "Big perks for many are extended warranty and purchase protection.", "A couple years ago, I actually saved $300 on an Apple Watch repair.", "The credit card covered the replacement.", "So, I'm happy.", "I think especially now with high inflation, I mean, who couldn't use more cash, right?", "Whereas redeeming for merchandise will likely not get you the most bang for your buck.", "Other rewards include sign-up bonuses, fraud protection, and having the ability to invest your money and take advantage of interest rates.", "Another thing to consider is how much work you're willing to do.", "Are you that person who's going to tape notes onto your cards?", "To remind yourself which should be used for different types of purchases?", "I know some people that have 30 or more credit cards.", "And they have really good credit and they get really good perks.", "And they're constantly flying first class for free.", "Now, that's not for everybody, of course.", "The average American has about four credit cards.", "But even with four cards, sometimes there can be a game element to this.", "Having multiple cards and playing that rewards game can get you some substantial sign-up bonuses.", "Like the Capital One Venture Rewards credit card's 75,000 miles.", "Or Inc. Business Unlimited's $900 in cash back.", "If you are playing this rewards game, which a lot of people like to do because they like that upfront bonus,", "you're getting a new credit card and then you close it out, you're losing that credit history.", "So my recommendation is not to do that.", "Only use a credit card if you can use it for a long time.", "And use it responsibly.", "American credit card balances reached $986 billion in the last three months of 2022.", "The big fork in the road is whether or not you carry a balance.", "If you pay your credit cards in full every month, then yeah, I think you should use your credit card for everything.", "Because rewards are great.", "They can really add up over time.", "Even though it's simple math, a 2022 survey found that among credit card holders who carry a balance,", "cash back was more than four times as popular as a month.", "That's a low interest rate.", "Meanwhile, a large share of those who owe debt, 40%, don't even know the interest rate for the primary card on which they owe money.", "One of the biggest things that we see about the spending of credit cards and those that are using it incorrectly", "are those that are either from lower income households, those that are uneducated in this,", "because no one is talking to them about money.", "A recent bank rate survey found that 30% of those without a high school degree didn't redeem their rewards.", "Compared to 16% with a four-year degree.", "And the lower an American's income, the more likely they were to let those rewards sit as well.", "More than 30% of those with annual household incomes below $50,000 left value on the table,", "compared to about 20% of those with incomes between $50,000 and nearly $80,000,", "and just more than 10% with incomes of $100,000 or more.", "Sage Mint Wealth Managing Partner Anne Tran says culture plays a big part in how people spend.", "I grew up in an immigrant family. I wasn't taught about personal finance.", "You just make as much money as you can and get yourself out and build wealth for yourself.", "Tran recommends having two credit cards and three if you're a business owner.", "One for primary expenses, a second as a backup, and a third to keep business expenses separate.", "She says there should also be thought going into your credit card limit and your spending ratio.", "Let's say you have one credit card.", "And you've got a $10,000 limit on there.", "And you spent all the way up to $9,000.", "That actually will lower your credit score because your credit to debt ratio is not good", "because you've used up most of your credit.", "So the rule of thumb is I would say try to stick around 30% in using what your credit availability is.", "And so that's why having a second card will give you a little bit of leeway in giving you more credit to spend.", "Sage Mint Wealth Managing Partner Anne Tran says for those with credit card limits,", "while experts don't recommend you open multiple credit cards and try to maximize your rewards,", "that doesn't mean you shouldn't work on ways to build your credit so that you can get to that place.", "If you have credit card debt, no shame, a lot of people do, about half of cardholders.", "But you need to put your interest rate first.", "So maybe seek out a 0% balance transfer card or stick to the lowest rate card you can find.", "Or just use cash or debit until you're debt free.", "There are a lot of cash back rewards cards.", "There are credit cards that do not have annual fees that will give you 1% back on all your purchases.", "And that is probably the most simple.", "Now, let's say you get to a place where you've got some plastic in hand and you're feeling good about those rewards.", "The work doesn't end there.", "She says you should continue to reevaluate your debt and credit cards at least once a month.", "Tracking your finances, whether it's on an Excel spreadsheet or using an app like Mint.com,", "something that will track what all of your assets,", "all of your debt and liabilities are so that you know where everything is.", "And if you're racking up those points, use them.", "Almost a quarter of rewards credit card holders haven't redeemed any rewards in the past year.", "And that's an improvement from the 31% of those who didn't in the preceding 12 months.", "It doesn't get more valuable over time.", "In fact, a lot of times these programs change their rules in ways that the industry calls devaluation.", "Like basically it costs more points or miles to get the free flight or the free hotel stay.", "So use them sooner rather than later.", "And then cash back too.", "That can lose value to inflation.", "Most people are scared of money and you shouldn't be.", "If you know the facts and you understand how money works, it can be really empowering.", "But, if you don't understand how money works you can coined all these Gaming했as right now." ]

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[ "और गलती से आपने किसी और के खातर में पैसे ट्रांसफर कर दिये हैं", "या कोई फ्रॉड के माध्यम से आपने जो है पैसे ट्रांसफर कर दिये हैं", "हैं या आप जो है कोई गलत से कूपन जेनरेट कर लेते हैं या आपने किसी की वजह से अपने फोन पर", "से किसी गलत तरीके पर आपने पैसे डाल दिए हैं तो आप जो है ईजी तरीके से धोखेदारी के फ्रो किस्ट", "बचने के लिए आप जो है कंप्लेन करके अपना जो है पैसे आधे घंटे में के अंदर जो है अपना पैसा अपने", "खाते में मंगा सकते हैं तो हेलो दोस्तों मेरा नाम मुष्तकीम है और आप देख रहे हैं मेरा YouTube चैनल", "फ्रॉड से कैसे बच सकते हैं और अपना फोन पर में कंप्लेन कैसे कर सकते हैं दोखादारी का तो इस वीडियो", "में पूरे बने रहिए लास्तव अगर दोस्तों मेरा वीडियो अच्छा लगे तो वीडियो को लाइक जरूर कीजिए का हमारे चैनल", "नए हैं तो चैनल को सब्सक्राइब जरूर कर दीजिए और नोटिफिकेशन बेल को ऑन जरूर कर दीजिए तो चलिए वीडियो", "को स्टार्ट करते हैं अगर दोस्तों हमारे साथ कोई धोखा हो जाता है या आप पैसे ट्रांजेक्शन कर रहे हैं तो", "आपका जो है पैसा फर्स जाता है या आप यहां से कोई भी कूपन जनरेट कर रहे हैं आपके साथ गलती हो जाती है और", "आप धोखादड़ी से बचना चाहते हैं तो आप सिंपली क्या कीजिएगा जो आपसे धोखादड़ी हुआ है तो आपको सिंपली जो", "कि आप जो है ट्रांजेक्शन करते हैं तो आपको हिस्ट्री में दिखाता है तो सिंपली आपको हिस्ट्री में क्लिक कर", "देना है जैसे हिस् smart किजिएगा तो आपको क्या करना है सबसे पहले देख लेना है कि आपने क्या गलती की है", "उस हिस्ट्री को आपको select कर लेना है", "जैसे आप select कर लिजीगा", "तो यहाँ पे देखिए लिखा हुआ है", "कॉंटेक्ट फोन पे support", "तो simply यहाँ पे आपको click कर देना है", "जैसे आप यहाँ पे click कीजिएगा", "तो आपका जो है अगला interface", "इंटरफेस खुल जाएगा जैसे खुल जाता है तो आपको यहां पर बहुत सारे ऑप्शन देखने को मिलेंगे और यहां से", "आप दोस्तों व्यूटी कर जैसे आप यहां पर आप जो है टेक्ट जनरेट कर सकते हैं आप जैसे कंप्लेन कीजिएगा तो", "देखिए यहां पर हमारे इंटरफेस खुल गया है तो यहां पर देखिए बहुत सारे ऑप्शन आपको खोलकर मिल गए हैं जैसे", "मैंने गलत खाते में पैसे भेजे दूसरा है पैसे को जमान नहीं किए गए और तीसरा है मैं इस पेमेंट पर धोखाधड़ी", "रिपोर्ट करता हूं या चाहती हूं तो दोस्तों यहां पर आप जो है अगर आपके साथ धोखाधड़ी हुआ है तो आप जो", "है सिंपली इस पर क्लिक कर दीजिएगा जैसे रिक कीजिएगा तो यह फोन पर की वजह से आपको वहां से आपका रिप्लाई आना", "आना शुरू हो जाएगा और आप को यहां पर देखिए पूरा इन यहां पर पढ़ लेना है कि जो आप यहां पर कर रहे हैं", "वह सही कर रहे हैं कि नहीं कर रहा है उसके दोस्तों वहां पर आपका कंप्लीउन चला जाता है और आपके", "पर भी रिपोर्ट जूटी रिपोर्ट का दाया हो जाएगा और कानूनी करवाई हो सकती है तो आप जो अगर गलत आदमी के", "पास गया है या आपका पास साइबर क्राइम हुआ है तब भी जाकर आप करें और यहां पर हां क्लिक कीजिएगा तो आपका", "तो है यह टिकन जनरेट हो जाएगा और आप इजली इस पर केस कर पाएगा और धोखादडड़ी से बच पाएगा दोस्तों जनकारी", "अच्छी लगी हो तो वीडियो को लाइक जरूर कीजिएगा धन्यवाद दोस्तों अ" ]

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[ "प्लीज गिव ब्रीफ इंट्रोडक्शन बूट यौर से ऑल फ्यू या है युगेश ठाकुर अमर रेजिटेंट ओफ मुंबाई", "अमने बैंड मैनेजर एंड एम सेल्ट प्लॉइड ओके प्रभा मैम ये एक आवस वर्क इंट्रोएयर इंडिया आएंड आम एड पर सेल", "एंड वी डोन गेट पेंचर ओके एंड वेंट इट यू रिटायर मैम मार्च टू थर्ने थर्के एंड वोट इज अकरण टेज मैम", "एंड वोट अब यू मैम चांदी मैम आपको हाउस वाइज अमाजू यू आपको एक एंड यू पीपल है एनी सोर्थ ऑफ इंकम प्रभा", "मैम एंड चांदी मैम नो एक्शन लिए आईएड डू एवेंट्स एंड वी गेट कॉंपन सिटेड एवेड वाइज समझ मैं मदर एंड माय", "नौ आई डोंट एनी पेंचन इंटरम ओके गुड इनफ मैम आ मैम कैन यू अ टेल इस व्हाट हैस हैपन्ड विद यू एंड वाइएड वी गेटर टूड़े व्हाट वी वांट टू से टूड़े", "एक वॉट इस हैपन्ड विट अजय को नौ बिहापनी टू देम एंड वी ट्रस्टेंड आईसी एस ए बैंक ब्रांड ब्रॉग्स फॉर", "नीज यू अगर है विन अकाउंट विद टाइम एंड दे लेटरली वी डिन न्यू विडियो डाइट एस यू अच्छा एंड इंप्राइंट टॉक्स इन दे कंपनी ले लेटरली लूटेड", "इन दूसरे प्रदाश बॉइंट टू एंड एफ़डी वेर माइट मैनेजर एंड माइ आरेम फॉर माइट रस्ट इन इमेंस्टली यह टोल", "ने एड वी एवस एम बेटर स्कीम्स देना एफडी एंड गेरेंटिंग टैक्स फ्री रिटर्न्स ओके विच यू नीचे", "आखेंडी जाने कोई इन्वेस्टमेंट्स एंड इफ पेयर ओन यह यू गेट क्यूमिलेटिव इंटरेस्ट फॉर लेकर इकरिंग डिपॉजिट", "और एक पॉलिसी भी अच्छा है एक पॉलिसी भी अच्छा है नियुक्त पोजार से जी ऑल्ट डिटी ऑफ बट डेट विल कम लेटर की", "नुआर नेहा पोलदार एन ऑल बठी के आप कह रहे हैं कि आपने ऐसे-ऐसे बैंक से पॉलिसीय खरीदा 2012 वह पॉलिसी", "फॉलिसी थी मुझे पता भी नहीं था मुझे तो बोला था एक प्रदेट एफटी इस लेकर रिकरेंट डिपॉजिट गुर्ड चाहिए", "और पेट एंड जब यह आपके पास पैसे हो तो इसमें पाक कर दीजिए यू गेट गुड रेट ऑफ इंटरेस्ट फिर पर सेंटर फेंड्स एंड वे प्रॉमिस थे", "एक एफटी के नाम पर रिकरेंट डिपॉजिट के नाम पर एक पॉलिसी बेची है ऑफ लांग टर्म नेचर अ", "अजय को", "पॉलिसी और यह इसको करने के बाद मुझे बताया है एंड इन फैट्स इवन आफ रेड अंडर एंटी मानी लॉंडरिंग", "एक्स नेट एनी पर्सन उस बिंग गिवन पॉलिसी ओवर लैक्ट शुट बी देश और सॉफ्ट इंकम शुट बी वेरिफाइड", "विच इस दो ओनेस ऑफ बैंक एंड पॉलिसी इशुइंग एजेंसी जो उन्होंने कुछ भी नहीं किया तो उन्होंने पूरे", "आईडा गाइडलाइन फ्लॉर्ड किए एंटी मानी लॉंडरिंग गाइडलाइन फ्लॉर्ड किए एंड सबसे बड़ी बात लेकर एम आई", "एंड मर्जी एक जूट बोलकर बेसिकली एक कुछ और प्रेडक्ट बोलकर कुछ और ही भेज दिया है और बेसिकली मेरा एक", "लाइट सब उन्होंने अठका दिया है आईएग्री डिप्लीट था हां आ एस सीन द नंबर फॉलिसी डेट है बिन फोल्ड टू यू", "ऑडियंस ऑडियंस पांच टू और पांच टू ऑप्शन पांच सीज़ा बने सब्सक्राइब था जूट बदल बने सब्सक्राइब तक एक आप इनको", "ने बताया था कि", "पॉलिसी", "इसे आपकी आप इस पार्टिंग मैं से इन्जॉर्न मैं सेविंग और माइंग्स आफ साइडी जितने मेरी शोर्स के पैसे आते थे यह सारे", "बेटरेशियरेचिप जाता है जिसको नहीं ख़ूतबाना आगे क्योंगी नहीं आता है यह इसलिए 8zr पूर्ट आईड एसट्यूड नेाफ्लॉर शोल्कोस्ट टीप्री गुप्टा हिसर अनली सलनेट सऊनी की यूрыस लेकिन करें", "शोलो give a good", "यी", "12", "नहीं जाता है कि वह नहीं जाता है कि वह नहीं जाता है कि वह नहीं जाता है कि वह नहीं जाता है कि वह नहीं जाता है कि वह नहीं जाता है कि वह नहीं जाता है कि वह नहीं जाता है कि वह नहीं जाता है कि वह नहीं जाता है कि वह नहीं जाता है कि वह नहीं जाता है कि वह न", "फिर जिकैम डिपॉजिट पूझा ठावों पहनत दो इंटरेस टॉपेड़ दो टाइम उपयट अमोजर ने आउट को पहले कह दो 250 स Perfect फिर करतें मैं कि हह था ÓN है आप", "जब मैं देख रहा हूं कि 2014 में 2017 में कुछ पॉलिसीज आपको नहीं प्रदर्व बेच रही है कुछ पॉलिसीज आपको", "कोई सोनी गुपता बेच रहे हैं और कुछ पॉलिसी नाइस बेंक बेच रहा है तो वह टाइम जो आपके जो कहने से मुझे", "दिना रहा है एक नया एक अलग पर का स्कैन और भी है वह डिस्टिपल डू इसकी आईसी एसी बैंक के एंप्लोइज को", "पॉलिसी सेल करने का कमिशन नहीं मिलता है ओके ओके टार्गेट होता है वह टार्गेट अपना पूरा करते हैं यह लोग", "पॉलिसी होने के कंपनी के एजेंट्स को सहल करते हैं कि पॉलिस चल कर दिया सब्सक्राइब कर रहा है आप यह चैनल", "हो और", "नहीं", "यह", "जो बैंक का employee था वो policy sell कर रहा है open market में और आपके", "पैसे से commission भी कमा रहा है so this is how it is happening", "there is a process of pre-issuance verification call was any pre-issuance verification call", "process done with you wherein they no absolutely not not even a KYC basic KYC is a mandate I believe", "that in before doing any such or issuing such high amount of insurance premiums a basic KYC should", "be required and none of that was also done no Aadhar card वगरा तो लिया होगा income proof आपके income proof नहीं लिया होगा", "I think they fetched it from the bank directly and I tried and inquired that तो इन्होंने कुछ मेरा KYC नहीं किया है", "मेरी email address is wrong है कई पर मेरा", "आप लोग की income documents कभी नहीं लिये गए जी नहीं कभी नहीं लिये गए इन फैक्ट मेरी तो", "सिग्नेचर भी नहीं है वह चॉक टो सी डेट वह माय सिग्नेचर जी मेरी सिग्नेचर नहीं है कुछ फॉर्म", "पर योगिस आपने भी कहा था कि आपके सिग्नेचर अवेलेबल नहीं है जिस ट्रूमाइट एक एप्सलूटली बिकोस माय साइंज यू", "न गिव टू एंड राइटिंग स्पेशलिस्ट उस फॉर्म से मेरी सिग्नेचर भी नहीं है एंड देव डेडअक्टेड माय ए", "वापस एवंज अकाउंट बाय इटसेल्फ ऑन ईसीएस बाय गिरिंग वेगिस एक्सक्यूजिस कि आपका पिछला प्रीमियम वगैरह है और वह", "आपको बनना है एंड न्यू पॉलिसी वाइज यह करके ऑल आफ ऑसनल डिटेल्स पर इन द फॉर्म वह मोस्टली रॉम इफ वेरिफाइड फॉर्म्स इट्स", "आट मैचिंग विद आर्डियो लाइट इसमें प्रोटेक्शन ऑफ ऑलिसी ओल्डर्स रेगुलेशन जो होती है आई थिंग इट्स पास इन", "और उसी महीने 21 मार्च को उन्होंने पॉलिसी एक और इशू करी है नहीं उसी महीने नहीं उससे पहले योगेश सर के", "नाम पर इशू हुई यह पॉलिसी ऑक्टूबर टू थाउवर्डन सेवनटीन और वहां पर आपको 12 लाख रुपए दिखाया है एंड यू वर", "वेडियो वेडियो ने इट नेक्स इफेक्ट नोट गिट अनुसार इवेंट यह रियलिटी है मतलब इस फॉर समझ थीं और स्पिक्स कुछ", "आप यू वाट समझ दीजिए 2012-14 मैं उसकी कंप्लेंड भी ठीक है वह भी इस टार्टिंग सॉन देट ब्रांच ऑफिस पर मेरे", "फोर सेल्स मैनेजर बोल रहा है मैडम आपको किसी ने एडा बनाया है आप प्लीज जिसने बन बेचा है आपको उसको जाकर उसको", "भकड़ो लेकिन इस टाट हुआ था इस चैनल को भकड़ो या इस चैनल मैं इस चैनल एक बैंक एंड आईट एस एडिएज एवं ब्रांड रिस्पॉंसिबल फॉर इस निश शेषित बटन अपनी ऑफिस टेक चार्ज उपए", "यह विल हाइलाइट योर केस टू द अथॉरिटीज एंड विल ऑल सो भी हाइलाइटिंग योर केस ऑन सोचल मीडिया आस्किंग प्रिपल नॉट फ्रॉम पीपल बैंक लाइक ऐसी", "तरफ दें आया थॉरिटिज बेकन सी बदन देख रहें तो टॉप द ब्लाइंड टाइट टो वर्स डेर ओन पीपल फून द वहाइट एंड आयंट सॉट इन देखाईएड ऑल द ट्रॉक्स इन देखाईएड", "टॉप लोट पब्लिक आई अग्री मैम टू असर ट्रॉप पॉइंट आया दूर अग्री रेट तो सीनियल नेंजमेंट इज अवेर अबॉड इज इसकेंट बट दे आई आई नॉट डूइंग", "इस पार्ट ऑफ इंचॉरेंस सेलिंग इन ओले बैंक फाइंड जो कस्टमर फॉर द प्रोडेंशल यू नो सो बैंक इज इनवाल्ड इन सेलिंग इंचॉरेंस पर वेन वेंट टो द पैंक ऑल", "बाइक अब फॉर प्लेनिंग द इससे अपने टू अस थ्रू द बैंक बैंक से वे नॉट रिस्पॉंसिबल वे आर एसेपरेट आइडेंटिटी प्रोडेंशल इस असेपरेट", "बिनाव नियुक्त फूडरेंशल एक्जेस्ट वी न्यू ओनली बैंक वी न्यू ओनली आईएसीएस अपेक आज पर आम एसेपा येर ऑलड रिटायर्ड पर सेंट एंड ओन्ट इनकम प्लीज और कन एडिटेंट इन अच्छे", "इस एंड माय सेंसिसिएल टेन बाइट कंप्लीन ऑफ टेन यूर्स आइड ओंट टो मॉर्ड वेडियो डिलेवर नॉट पेटिंग बेसिक फैक्स प्लीज प्लीज प्लीज कम लाउन", "आपको भी किसने इसे कैंचे कियों पर लेकर पता लगा आपको", "कि वह बैंक न हमेशी टो विड्राउव माय फॉर्ंड्स वेचाव ऑफ ऑनलीज रिकरिंग अपडीट पर कहा देने मुझे कोई इंसॉरेंस", "पॉलिसी तो तो ने चेंज यह ट्रडिशनल वगैरह यह अब भी पता था वेंट डिनाइड टू गिवी एनी ओं माय फांड", "इन फैट्स बोलने लगी कि आपको और दस साल बढ़ने में मैंने क्यों बढ़ने आप और पैसे दीजिए नहीं तो आप इस पैसे", "बोल जाएं और इस लेकिन आप अपने यह टू रॉप इटी एडी फाइट लाइक नॉट ए स्मॉल अमाउंट यह और अब मैं जब विद्राउव करने गया", "और जब पैसे और जब पैसे और बढ़ दो या आपके पैसे आप निकाल लें एकंप्लीट इंडसेंट एंड एंड इस नॉट ओनली यू पीपल वह कंप्लीनिंग वी", "आप आपके चैनल इंचॉरेंस एंजेल्स इफ यू गूवी वीव है वह ना ओंट थी एंड वीडियो दो पीपल लाइक यू", "वुट टू सच ए थिंग अफ कोशिश आफ पूछा आई कंप्लीटली अग्रीमिटीटी प्लेट नाउ वेंट इफ इस यह देख ली टोल्ड इस नॉट आर", "एंड यू नॉट इंट्रेस्टेड इन टॉकिंग ओवर थिस अफ कोर्ड देखिए ना माइनी वाय वोट डिवी इंटरेस्टेड नॉट यू", "पूछे बट नॉट आयर डी एंड आवर गवर्नमेंट टेक सम स्क्रिंच एंड एक्शन अगेंस्ट वें आफ पुछ देखो गलीबल पब्लिक इस रेली लॉस ऑफ मनी देर हाडन मनी ने एंड इन फ़ैड आउट लाइक टेस्ट पीपल लेकर बेवेर ऑफ सच पीपल ले", "वेस्ट बॉंबे ब्रांच लिंकिंग रोड लिंकिंग रोड सांटा क्रूज वेस्ट ब्रांच एंड इस पीपल आफ आप दो वर्जर दनन जे इस दर इस आफ इन ऑल जी सिंह एंड वीडियोस टेस्ट टेम पर ऑल जी यह अपने दम रिलेशनशिप मैनेजर फॉर आईसी", "पैलेजर ने मूमेंट इसी इंटरम मनेस कमिंग इन ऑफ ऑफ इमेडिटली देश टो कमेंड यह पॉइंट ऑन डेट अमाउंट आप नौ वे लगते हैं विच नो सेविंग नथिंग ना फिर इन अकाउंट अब इन आप कंप्लीटली विच यू मैम एंड आईट डेफिने", "का में शही मंतर कांच प्लेजर पेक्वास से मियूफ कि अ", "हां", "कर दो", "और", "कर दो कर दो कर दो कर दो कर दो कर दो" ]

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[ "to trade gold, porcelain, spices, and silks around the globe.", "But running this massive operation wasn't cheap.", "In order to fund their expensive voyages, the company turned to private citizens,", "individuals who could invest money to support the trip", "in exchange for a share of the ship's profits.", "This practice allowed the company to afford even grander voyages,", "increasing profits for both themselves and their savvy investors.", "Selling these shares in coffeehouses and shipping ports across the continent,", "the Dutch East India Company unknowingly invented the world's first stock market.", "Since then, companies have been collecting funds from willing investors", "to support all kinds of businesses.", "And today, the stock market has schools, careers,", "and even whole television channels dedicated to understanding it.", "But the modern stock market is significantly more complicated", "than its original incarnation.", "So how do companies and investors use the market today?", "Let's imagine a new coffee company that decides to launch on the market.", "First, the company will advertise itself to big investors.", "If they think the company is a good idea, they get the first crack at investing", "and then sponsor the company's initial public offering,", "or the company's first public offering.", "This launches the company onto the official public market,", "where any company or individual who believes the business could be profitable", "might buy a stock.", "Buying stocks makes those investors partial owners in the business.", "Their investment helps the company to grow,", "and as it becomes more successful, more buyers may see potential", "and start buying stocks.", "As demand for those stocks increases, so does their price,", "increasing the cost for prospective buyers", "and raising the value of the company's business.", "The stock market is a good example of how the company's stocks people already own.", "For the company, this increased interest helps fund new initiatives", "and also boosts its overall market value by showing how many people", "are willing to invest in their idea.", "However, if for some reason a company starts to seem less profitable,", "the reverse can also happen.", "If investors think their stock value is going to decline,", "they'll sell their stocks with the hopes of making a profit", "before the company loses more value.", "As stocks are sold and demand for the same,", "the stock goes down, the stock price falls,", "and with it, the company's market value.", "This can leave investors with big losses,", "unless the company starts to look profitable again.", "This seesaw of supply and demand is influenced by many factors.", "Companies are under the unavoidable influence of market forces,", "such as the fluctuating price of materials,", "changes in production technology,", "and the shifting costs of labor.", "Investors may be worried about changes in leadership,", "bad publicity, or larger factors like new laws and trade policies.", "And of course, plenty of investors are simply ready to sell valuable stocks", "and pursue personal interests.", "All these variables cause day-to-day noise in the market,", "which can make companies appear more or less successful.", "And in the stock market, appearing to lose value often leads to losing investors,", "and in turn, losing actual value.", "Human confidence in the market has the power to trigger everything", "from economic booms to financial crises.", "And this difficult-to-track variable is why most professionals", "promote reliable long-term investing over trying to make quick cash.", "However, experts are constantly building tools", "in efforts to increase their chances of success", "in this highly unpredictable system.", "But the stock market is not just for the rich and powerful.", "With the dawn of the Internet, everyday investors can buy stocks", "in many of the exact same ways a large investor would.", "And as more people buy,", "people educate themselves about this complex system.", "They too can trade stocks, support the businesses they believe in,", "and pursue their financial goals.", "The first step is getting invested.", "And that's life in ancient Mesopotamia." ]

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[ "ओके सर मैं चेक करती हूँ।", "लेकिन सर आपका तो बैलेंस माइनस में दिखा रहा है।", "वो भी पूरे 3000 रुपे।", "पहले इसे पे कर ये उसके बाद ही बैंक अकाउंट बंद करा सकते हैं।", "क्या? लेकिन वो कैसे?", "सर आपने मिनिमम बैलेंस 5000 मेंटेन नहीं किया होगा।", "इसलिए ये चार्जेस कटा है।", "एक्स्क्यूज मी मैं, मैं फिनोन को फालों करता हूँ।", "इसलिए ये मुझे अच्छे से पता है कि RBI की गाइडलाइन्स ये किलियर कहती है", "कि मिनिमम बैलेंस मेंटेन ना करने पे सेबिंग अकाउंट के बैलेंस को जीरो तो किया जा सकता है।", "लेकिन उसे माइनस में नहीं डाला जा सकता।", "अच्छा, लेकिन हमारे बैंक में हमारा रूल चलता है।", "ओके तो फिर ठीक है।", "फिनोन वाले ने हमें RBI के बैंकिंग ऑम्बर्ट्शन के बारे में भी बताया है", "जिसपे की आसानी से कम्प्लेइन हो सकती है।", "आप बोलो तो हम कर दें।", "अरे सर, फिनोन वाले के ऑम्बर्ट्शन के बारे में बता दिया।", "लाइए पासबुक सेटलमेंट कर लेते हैं", "आपको भी ये बैंक वाले चूना न लगाए", "इसलिए इस वीडियो को सेप करो और फिनोन को फॉलो करते जाओ" ]

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