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[ "Yeah.", "Is it good money? Like 100k, 200k? What is that kind of role make?", "It depends on your level, but I guess after 5 to 10 years you can easily make 3, 1.", "We're in the wrong career. We're going to change jobs. Get out of this tech stuff.", "No, tech's pretty good. I like making tech." ]

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

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

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[ "day and the maximum of $325 per transaction?", "And you cannot have more than $15,000 at any given moment on your account.", "Interested?", "Keep watching.", "Hi, I am Slava.", "Welcome to my channel about money.", "So, you want to know if the Brink's prepaid card is worth a shot.", "There are three plan options.", "Pay as you go.", "You will have to pay $1.50 fee.", "Per purchase.", "Each of your purchases will be automatically more expensive.", "There is monthly plan where you will pay $10 per month.", "Let me do the math for you.", "It is $120 per year.", "It makes sense if you are going to make more than 10 purchases per month.", "There is also a plan with reduced monthly fee.", "It is $5 per month or $60 per year.", "You are eligible for this plan if you receive more than $500 of direct deposits per month", "if you will not use this card for 90 days.", "The inactivity fee is $6.", "I am sorry.", "How to deposit money?", "Direct deposit.", "Early direct deposit.", "You can get your paycheck, tax refund and things like this up to 2 days earlier.", "There is no need to wait in line to cash your paycheck.", "Mobile check deposit.", "You can take a picture of your check and it will be deposited automatically.", "It will take a few days for the money to be available.", "If you need money as soon as possible, you can use expedited mobile check deposit.", "It will cost you $5 or 5%.", "Pre-printed checks are 2% or $5.", "You can deposit cash at the NetSpend network for a fee of $4.", "You can also transfer money from your other bank account.", "How to withdraw money?", "Withdrawing cash through an ATM will cost you $2.50 and it is limited to $325.", "ATM balance inquiry will cost you $0.50 plus ATM operator fee, but you can check it online", "via text message or just call and ask.", "You can transfer money to your account at another bank.", "It will cost you $3.50.", "Maximum 4 transfers in total of $1500 per day.", "Maximum 10 transfers total of $2500 per 2 weeks.", "And maximum of 40 transfers total $3500 per month.", "Withdrawal of cash through the NetSpend network will cost you $3.50.", "How to receive the card?", "You may purchase a temporary card at retail location for $3 and make a minimum deposit", "of $10.", "The initial functionality is pretty limited.", "Until you will verify your identity.", "Keep in mind that new accounts tend to be locked for review.", "When you sign up for your card you should receive it in mail within 2 weeks.", "If you lost your prepaid card it will cost you $10 to replace it.", "Card delivery fees are the following.", "Free if you can wait 2 weeks.", "$20 for 3-day delivery.", "And $25 for 3-day delivery.", "There is BrinksMoney prepaid mobile app to help you track your balance and manage your", "money.", "In Google Play Store it has 4 stars rating.", "Surprisingly for me people like it.", "As a better alternative I would suggest you to check ChimeBank or VeroBank.", "Why?", "There is no monthly fee.", "And you can get free mobile app.", "There are way less fees than in BrinksBank." ]

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[ "It Miles card.", "But first, if you are new here, we're all about how to maximize the value of your credit", "cards, so basically how to get the most cash back, and also how to travel for free.", "If that sounds interesting then subscribe to our channel, but let's get started.", "So a lot of people have been asking me about this card, so I figured I'd do a video on", "it.", "of think through how you might want to do this in terms of your long term strategy.", "In its first year, you get cash back match, which means that all the points that you earn", "are cash back is going to be doubled at the end of the year.", "This card earns 1.5x back on all of your transactions, and with the cash back match, this means that", "you're getting 3x back.", "Even though they call it miles, I wouldn't really think about it that way, given how", "you can redeem these points.", "The main reason is because they're worth 1 cents per point regardless of how you want", "to redeem them, so whether you want to cash them out to your bank account as an electronic", "payment or whether you want to use it as a way to pay off some of your debts.", "This means that 1.5x back is really 1.5% back, and again, with the cash back match, this", "means that you're really getting 3% back in the first year.", "The card has no annual fee and it also has no foreign transaction fees, but internationally", "it doesn't seem to work as much as I would like, so I have had it work a few times in", "Taiwan, but it didn't really work that well in Japan.", "One other interesting benefit is that you have a $30 credit, but it can only be used", "towards airplane wifi.", "For this credit to work, what you need to do is to pay for the card, and you can use", "the miles card to make the purchase, and then they're going to issue you a statement", "credit in the amount that you spent within 7 business days.", "You get up to $30 per card member year, so again, based off your anniversary of having", "the card.", "Any unused wifi credit will be lost each anniversary year if you don't use it, or if you close", "the card, or if you convert it to another product.", "And again, this is specifically for in-flight wifi, not airport wifi.", "This card has a signup bonus of 5,000 miles, and again, as we explained before, regardless", "of how you redeem that, it's only going to be worth $50.", "The signup bonus is eligible for the cashback match as well, meaning that the 5,000 miles", "is really 10,000 miles, so again, $50 is really $100.", "In order to get the signup bonus, you do need to use a referral link though, so I'd recommend", "either asking friends or family, or we'll put ours down below in case you want to use", "that one.", "If you apply directly on the site, then you're not going to get any signup bonus.", "I typically mention referrals at the end of the video, but it really does tie into the", "first year evaluation, that's kind of why we're talking about it now.", "To summarize, year one, you're going to be getting a $100 signup bonus, and you're", "also going to be getting 3% return on spend on all of your transactions.", "If you're looking for a good general cashback card, then I think this is a pretty good option.", "The big issue with this card is year two and onwards, so after the first year, after the", "cashback match, it's not really that viable.", "You're still getting 1.5x miles back, but since you can only get 1 cents per point from", "these miles, you're still effectively getting 1.5% back.", "This means that it doesn't really compare to cards like the Citi Double Cash card, which", "pays you 2% back on all of your transactions.", "What you can do is to do a product change in year two, once you get the cashback match,", "and ideally after you cash it out.", "My recommendation would be to product change it to the Discover It card, which gives you", "5x back on a bunch of different categories.", "When you do the product change, you're not going to get cashback match on that new card,", "just because you've previously had a card.", "There have been some cases where when they have a really old Discover card and they forced", "you to do a product change, then in that case, they gave you the cashback match again, but", "in this case, you're choosing to do it.", "So they're not going to give you anything.", "Overall, I think this card makes a lot of sense, especially if you don't want to deal", "5x categories with the Freedom card or with the Discover It card.", "3x back on all of your transactions is pretty solid.", "And again, since you're getting a signup bonus, that makes it even a bit better.", "In year two and onwards, I personally don't think it makes sense to keep long term, but", "obviously that really depends on your circumstances.", "If you really just hate 5x back and don't want to deal with different quarters, then", "sure keep the 1.5x back card, but I probably would only use it to keep your credit alive", "and to basically make sure that they don't close your card.", "Another reason why you might want to keep it as a miles card is if you really value", "that $30 in-flight credit.", "If you do, then technically this card is making you $30 because you can choose to only use", "this card for those purchases and again, any other purchase once every six months, just", "to keep your card alive.", "As a side note, and this really should not affect your decision making, this card only", "has three color options compared to the It card, which has a ton.", "Here you have to choose between blue, green, or pink.", "With the Discover It card.", "3x back on all of your transactions.", "You'll have a bunch of different colors and you'll also have a bunch of hockey teams.", "So I hope that was helpful and let me know if you guys have any questions.", "My question for you guys is what are your thoughts on the miles card?", "Let me know in the comments down below.", "If you liked this video, give it a thumbs up, it really helps us out.", "And if you know anyone else who'd benefit from what we just talked about, feel free", "to share this video with them because it's probably going to help them out.", "But otherwise, hope you guys liked it.", "See you guys next time.", "Bye bye." ]

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[ "home? What I recommend is a HELOC, a home equity line of credit. This is a program that will allow", "you to not touch your current mortgage and it works very similar to a credit card, but the", "line of credit is drawn from the equity in your home. So if you're interested in this program,", "reach out to me. I'd be happy to help." ]

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[ "to Abu Dhabi and Dubai using our Points and Miles and today we are going to talk about", "my favorite credit card that I do not have.", "It's a credit card that I really want to have but I'm going to have to wait due to the issuer's", "silly rules.", "Guys, if it's your first time tuning in, we talk about credit cards, points, miles, cash", "back and travel and if you're interested in those things, please hit the subscribe", "button.", "If you get any value at all from this video, please hit the like button.", "It will really help with the YouTube algorithm and it will help me get this video out to", "more people.", "Alright guys, let's get right to it.", "Today we are going to talk about a credit card that I have been wanting for a very long", "time from Chase Bank and I am laughably over 524 and if you're not familiar with the", "524, you're probably not familiar with the 524.", "you are not eligible for Chase Bank credit cards.", "This includes their business cards.", "So, right now I am LOL24 but I hope to be under 524 sometime in 2022 and I'm pretty", "sure this will be the first card I apply for.", "Today, guys, we are talking about the Chase 524.", "This is the Chase Bank Inc.", "Business Cash.", "Now, we have talked several times on the channel about the advantages of business credit cards.", "They don't count against your personal credit.", "They don't count against 524 and they are a really good way to kind of jump start your", "side hustle.", "They give great value as far as their redemptions and their rewards and they generally have", "really good bonuses.", "So, why do I want the Chase Bank Inc.", "Business Cash?", "Well, first off, we always talk about the bonus.", "So does this card have a bonus?", "You betcha.", "The bonus is $750 bonus for a $7,500 spend in the first three months of opening the card.", "Now, that bonus is going to be earned in the way of ultimate rewards points which can be", "converted to cash at a one to one ratio, one penny per point.", "Or you can redeem your card.", "I like to say that the bonus is going to be earned in the way of ultimate rewards points", "through the Chase Travel Portal.", "And the good thing about the cashback option is it is actually cashback.", "It can be directly deposited into your bank account.", "A lot of these cards will give you statement credit or some other things that aren't actually", "cashback.", "I prefer real cashback when I'm going that route.", "And the Chase Travel Portal is a really good option for a lot of people for a lot of your", "domestic travel.", "So, $750.", "Okay.", "relatively high spend bonus but most of us and especially if you are running a side hustle or a", "business", "marketing marketing marketing marketing marketing marketing marketing marketing marketing marketing passion", "starts WhatsApp, little pro questions,", "coffee", "totally,", "Thank you." ]

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[ "to talk about the newly released information on the Capital One Venture X", "but first if you are new to the channel we talk about credit cards points miles", "cash back and travel if you're into that sort of thing please hit the subscribe", "button and if you have already subscribed I do want to sincerely thank", "you we just reached our goal of 1,000 subscribers and I truly appreciate", "everyone that has subscribed to the channel also if you get any value from", "this video please hit the like button it will help with the YouTube algorithm and", "it'll help get this information out to people who can use it so let's get", "started Capital One has been making waves and the points miles and travel", "space recently if you remember earlier in the year they really beefed up the", "bonus on the Capital One Venture X and the points miles and travel space recently if you remember earlier in the year they really beefed up the bonus on the", "venture card to 100,000 miles they also simplified their transfer partners and", "made most of them redemption rates of one-to-one which made their miles quite", "a bit more valuable they opened an airport lounge and DFW in Dallas they", "have also recently relaunched their travel portal which seems to be powered", "by hopper and now we have the Capital One Venture X card", "Capital One will begin taking applications for the card on November", "9th so what do we know about the card so far big bonus our favorite part of cards", "the bonus 100,000 mile bonus for $10,000 spend in six months very doable if you", "are not spending $10,000 in six months you are likely not ready for a travel", "card and part of this bonus includes a $200 statement credit for", "vacation rentals think about Airbnb or VRBOs I'm not clear whether those have", "to be booked through the travel portal or not and this card weighs in with a", "$395 annual fee which puts it quite a bit below most of its competitors in the", "premium travel card category we'll see if that works when we talk about all the", "benefits what does the card earn the card is going to earn ten times more", "miles on hotels and car rentals through the Capital One travel portal the card", "is going to earn five times miles on flights booked through the Capital One", "travel portal and the card is going to earn two times miles on everything else", "I think that part is key so many of our cards only earn one times on everything", "else so double points for everything I think beefs this card up a bit now what", "do we get for that $395.99", "annual fee well the card actually comes with a $300 statement credit every year", "when booking through the travel portal so your first $300 in the travel portal", "will be credited back this takes the annual fee effectively down to $95 a year", "but that's not it the card also gives the holder a 10,000 mile anniversary", "bonus every year so your annual fee is effectively $95", "and you will be getting a 10,000 mile bonus every year if we value Capital One", "miles at a minimum of one cents per point then this card is actually making", "the holder money at this point $300 credit in the portal plus 10,000 bonus", "miles equals at least $400 $395 annual fee these are some of the strengths of", "the card what else does the card earn if you're booking through the travel portal", "well the card offers lounge access for the holder plus two guests at the Capital One", "lounge right now the only lounge is at DFW in Dallas but I think they do have plans to", "open at least two more fairly soon I think Denver and Washington Dulles so look for more", "Capital One lounges and the card holder also gets a priority pass now if you are a fan of", "the channel you know how much we value airport lounges", "I think they completely change the way we travel and change our comfort levels", "priority pass has 1300 airport lounges worldwide holders of this card will get", "four authorized users for", "to me I truly hate it when I have to pay for an authorized user the card holder", "also gets a credit for global entry and tsa pre check Pro tip here if you are", "going to do one or the other pick the global entry", "comes with TSA PreCheck. I just came back in the country from Dubai a month ago", "and we came back into the country at O'Hare. Super long line for those that", "did not have Global Entry. So that's pretty much the card. Let's talk about", "the pros and the cons of the card. Pros, this is a simple one card solution. This", "card can be a simple one card solution for someone who is comfortable using a", "travel portal and doesn't want to hold a bunch of other cards. This card has a", "great bonus. It is a really good earner and it creates value for the holder. What", "are some cons? Well this all hinges on the quality of the travel portal. Travel", "portals generally don't earn the user", "loyalty points or count towards status when purchased through a third-party", "travel portal. What I mean by that is if you are a Marriott Bonvoy loyalty member,", "when you book your Marriott stays through this travel portal you are", "likely to not get credit for those nights towards your status and you are", "likely not going to earn any points. So a lot of this does hinge on the portal and", "personally I have not used the Hopper travel portal so I can't comment on", "that. But one thing Capital One does shine at is they do have a lot of", "shopping partners. So they do have a lot of opportunities to earn more miles and", "more cash back. If you are interested in earning more cash back, the holiday", "season is quickly approaching. We recommend the shopping portal Rakuten. If", "you use our link below you will get thirty to forty dollars cash back on", "your first purchase. So in the comments below tell me if you are considering a", "� applying for the Capital One Venture X. This sales app sounds like an", "everyday, good card. Personally I don't think I'll ever hold this card.", "I think it's a great card and it's really good for your spending. And as for", "things like relationships, I often don't imagine buying this app. I'm fitted in", "realityぎ It's a godded setup and you will find yourself set onto a card that", "you will likely want. It's pretty easy to do. Chun Chen Engine is a really", "well-lkredited card available in China. alleine.com So buy this app and take care of your block." ]

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[ "The beliefs that come along with these conflicts really do help couples to understand themselves and why we sometimes make the assumptions and have the perspectives that we have.", "So maybe it's helpful to dig into what some of the more common cognitive biases are.", "And what you've described actually and what we talk about in the instructive communication chapter is doing a U-turn, right?", "Yes.", "So knowing them enough to know, oh, this is what I'm doing here.", "Right.", "That can be helpful." ]

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[ "दोस्तो अगर आपको भी अपनी ICICI Bank की Internet Banking को एक्टिवेट करना है", "तो इसके लिए सबसे पहले आपको Google Chrome पर जाकर ICICI Bank Internet Banking लिखकर एंटर करना होगा", "ICICI Bank Internet Banking लिखने के बाद जो भी लिंक आपको सबसे उपर दिखाई दे रहा है उस लिंक पर आपको क्लिक करना है", "यानि जो भी link top पर आपको दिखाई दे रहा है उस link पर click करने के बाद कुछ ऐसा interface आपके आगे दिखाई देगा", "अब यहाँ पर सबसे पहले user id और password ये मांग रहा है अब क्योंकि हम first time user हैं तो हमारे पास कोई भी password अभी तक नहीं है", "हमें सबसे पहले खुद को register करना होगा register करने के लिए नीचे आपको एक option दिखाई दे रहा है get password का इस get password के option पर आपको click करना है", "get password के option पर click करने के बाद next page पर कुछ ऐसा interface आपके आगे दिखाई देगा", "अब यहाँ पर सबसे पहले हमें अपना password generate करना है तो नीचे हमें click here to proceed के option पर click करना होगा click here to proceed के option पर click करने के बाद next page पर कुछ ऐसा interface आपके आगे दिखाई देगा", "अब यहाँ पर सबसे पहले आपको अपनी user id एंटर करनी है अगर आपको आपकी user id नहीं पता तो right side में एक option available है get user id का यहाँ पर click करके आप easily अपनी user id पता कर सकते हैं अपनी user id एंटर करने के बाद नीचे आपको अपना registered mobile number एंटर करना है यानि जो भी mobile number आपका bank के साथ", "registered है वही mobile number आपको यहाँ पर enter करना है दोस्तो security reasons की वज़ा से मैं अपनी user id और mobile number आपको show नहीं कर सकता आपको अपना user id और registered mobile number यहाँ पर enter करना है ये दोनों detail डालने के बाद नीचे आपको go के option पर click करना है go के option पर click करने के बाद next page पर कुछ ऐसा interface आपके आगे दिखा", "गया है वो OTP आपको यहाँ पर enter करना है OTP enter करने के बाद नीचे आपको अपने debit card पर ये जो alphabets लिखे गए हैं यानि आपको अपना debit card उठाना है उसके पीछे की side एक grid बनी हुई है उसमें as it is जो भी यहाँ पर alphabets पूछे गए है उस grid के नीचे जो भी number लिखा गया ह", "है वो number आपको यहाँ पर enter करना है यह सारी detail डालने के बाद नीचे आपको go के option पर click करना है go के option पर click करने के बाद next page पर यहां पर आपको अपना password set करना है यानि जो भी आप internet banking का password चाहते हैं वो password आपको यहाँ पर set कर लेना है password enter करने के बाद नीचे के section में वही password आपको", "पासवर्ड पर निचे पासवर्ड कनफर्म करने के बाद आपको नीचे गो के ऑप्शन पर क्लिक करना अवधिक स्पेजर पर यहां पर", "हमारे सामने मैसेज आ चुका है कि हमारी इंटरनेट बैंकिंग सक्सेसफुल रजिस्टर हो चुकी है", "है यहां पर नीचे आपको लोग इन नॉ का ऑप्शन पर क्लिक करना है लोग इन नॉ के ऑप्शन पर क्लिक", "करनी है यहां पर अपनी यूजर आईडी एंटर करनी है यहां पर आपको अपना पासवर्ड एंटर करना है यानी वही", "option पर click करने के बाद next page पर कुछ ऐसा interface आपको", "दिखाई देगा सबसे पहले आपको यहाँ पर check box को select करना है", "अब security reasons की वज़ासे यह दुबारा आपको बोल रहा है कि", "आप अपना password एक बार change कर लीजिए यानि जो password आपने", "set किया था वो password आपको enter करना है उसके बाद", "दुबारा से एक नया password आपको यहाँ enter करना है नीचे आपको", "दुबारा अपना re-enter करना है नया password यह security", "reasons की वज़ासे आपका password change करवाया जा रहा है नीचे आपको", "update के option पर click करना है अब जो आपने नया password", "password set किया है वही password आपकी internet banking का password रहेगा तो यहां पर हमारी internet", "banking login हो चुकी है कुछ ऐसा interface internet banking का आपको दिखाई देगा तो स्कूल आपकी जानकारी", "के लिए बता दूं कि ICICI बैंक लगभग सभी बैंकों में best service provide करता है अगर हम internet", "इंटरनेट बैंकिंग की बात करें इन सब के अलावा आई मोबाइल एक्टिवेशन कैसे होती है आईसी ऐसे बैंक की उसके ऊपर", "भी हमने एक अलग से वीडियो बनाई हुई है अगर आपको अपनी आई मोबाइल को एक्टिवेट करना है तो उस वीडियो का", "लो थैंक्स फॉर लिस्ट निंग एंड थैंक यू ऑल अ" ]

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[ "It may not be the smartest place to keep them.", "CBS Money Watch dot com senior editor at large Jill Schlesinger joins us with the details.", "It's very kind of exotic isn't it? You go into the room in the box but maybe not a great idea.", "Yeah, you know here's the problem that even though banks have great 24 hour security and all of that,", "you know what we're worried about is if one of them fails because the contents of a safe deposit box are rarely insured.", "Now remember items in your home, they are covered by your homeowner's or renter's insurance policy.", "Some people, I won't name names, think that cash in a safe deposit box is covered by FDIC insurance", "but the FDIC only insures deposits in accounts, not the contents of a safe deposit box.", "Also, safe deposit boxes are only accessible during branch operating hours.", "Lots of people don't know that.", "So, if you have documents that you may need access to, you need them whenever.", "Whether it's a health care proxy or a will or a power of attorney,", "you don't want to wait until someone's there at the bank to get them.", "I think this is going to surprise a lot of people because it is not insured.", "So really, what's the alternative then?", "Well, you know what, I think buying a fireproof safe.", "A fireproof safe for your home and you know what you put in it?", "Passports, original birth certificates, social security cards,", "copies of your important legal documents, wills and health care proxies.", "Also, you know what you might want to do?", "Insurance policies, the actual policy, important investment information.", "Not the statements but maybe passwords and things like that.", "Maybe your valuables, jewelry, cash, spare keys and titles to all of your vehicles.", "Anything that you really want to have access to but you really would be hard to replace if you lost it.", "But space is limited so that's the only problem.", "Well, yes, and there you have it.", "And so here's my last tip for you.", "On MoneyWatch.com, we have a great list of all the things you can do.", "We have a great list of financial data that you need to keep and what you can toss.", "What you need to get that shredder out, pour yourself a glass of wine and get it out of there.", "Purge, baby.", "That's right.", "All right, Jill, great to see you.", "Thanks so much." ]

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[ "आपको ऐसी प्रॉब्लम आ गया यह पर आप देख सकते हैं पेमेंट फेल्ड है यह रिचर द यूपी ए पेमेंट लिमिट", "बाय यूर बैंक प्लीज ट्राइड अगेन आफ्टर 24 आवार्ट्स नोट नो मनी है लेफ्ट यू अकाउंट फॉर दिस पेमेंट", "ऐसा बोलता है तो यह आपको क्यों ऐसी प्रॉब्लम आती है बताऊंगा इस वीडियो में तो कैसे आप पैसे भेज पाएंगे", "बताऊंगा इस वीडियो में तो इस वीडियो को ध्यान से देखेंगे और लास्ट एंड तक देखें अगर गैस अब स्किप करेंगे", "वीडियो बढ़ाएंगे तो आपको बिल्कुल समझ नहीं आएगा तो चलिए शुरू करते हैं तो यहां पर गैस कैसे होता है हर एक", "बैंक की एक लिमिट होती है डेली लिमिट होती है हर बैंक तो किसी बैंक की 20,000 होती है किसी बैंक की", "30,000 होती है और किसी किसी बैंक में पच्चेस द रूप गया है तो यहां पर अगर आपने फाउन पर एस गूगल पर", "जाएं उसके बाद अगर आप यहां पर पेज रहे हैं तो आप यहां पर नहीं भेज पाएंगे तो आपको गैस इससे यहां", "पर फीक्ट करने के आपको इसे आपको पैसे भेजने के लिए आपको वेट करना होगा 24 घंटे यानि 24 घंटे पूरा", "तो आप बारा बजे के बाद डाल सकते हैं तो यह एक दिन की एक यह रहती है लिमिट तो मैं आपको समझ आया होगा", "अगर उड़ी अच्छा लगा तो लाइक कीजिए शेयर कीजिए और चैनल को सब्सक्राइब करना दे लिया थैंक यू और माच" ]

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[ "In this quick overview, we'll share the four key things you really need to know about this", "popular travel rewards card for small business owners. First, Chase Inc. Business Preferred", "typically offers a nice initial rewards bonus for spending a certain amount in the first few", "months your account is open. This could help you take a business trip for free, for example.", "Second, Chase Inc. Preferred is great when it comes to earning rewards points in a variety", "of spending categories. The rewards are great for frequent travelers because Inc. Preferred", "points are worth the most when redeemed for travel booked through Chase.", "You can also transfer points to popular airfare or hotel loyalty programs.", "And if travel isn't in your plans right now, there's plenty of redemption options to choose", "from which we'll talk about later on. Third, Chase Inc. Preferred charges an annual fee,", "but its rewards and perks can easily cover charges of membership. So the fee shouldn't", "be much of a concern if you're planning to use the card regularly. And on the bright side,", "you don't have to worry about any additional fees when spending outside of the U.S.", "Lastly, you need at least good credit to qualify for the Chase Inc. Preferred card.", "You may be surprised to learn that your personal credit standing may matter a lot more than your", "company's credit when it comes to getting approved for a business credit card. And that's true with", "small business cards from all major issuers, by the way, not just Chase.", "So, let's get started.", "For example, you might want to know more about your options for redeeming the rewards that you", "earn with Inc. Business Preferred. Well, you can redeem points for travel, cash back, gift cards,", "and more. Plus, your points don't expire as long as your account is open.", "If you want to get the most bang for your points, use them to book flights,", "hotel reservations, or other travel accommodations through Chase Ultimate Rewards.", "Another thing you might be contemplating is cards for your employees.", "Chase Inc. Preferred offers employee cards at no extra cost. You also get to set a custom", "spending limit on each one and track employee purchases through your Chase.com account.", "In addition, all the rewards employee cardholders earn go right back to the business,", "giving you huge earning potential. It's also common for business owners to wonder which", "Chase Inc. card to get because there are several.", "Inc. Business Preferred card, Inc. Business Cash card, and Inc. Business Unlimited card.", "The Preferred version definitely is the best for business owners who want to get the most", "out of their rewards when redeeming for travel, especially for high-spending small business", "owners. If you'd rather earn cash back, the choice between the other two Inc. cards", "really depends on whether you want extra rewards in bonus categories or a simple flat rate on all", "purchases. Finally, when it comes down to it, you can get the most out of your business.", "Does Chase Inc. Preferred have good reviews?", "Yes, it does. Inc. Preferred has great ratings from WalletHub editors and users,", "who typically give it above-average marks. So with all of that, you should have what you need", "to make an informed decision on Chase Inc. Business Preferred. But to learn more and", "submit an application, you can head to this button right here. See you next time, WalletHubbers!", "Thanks for watching!" ]

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[ "We are a company based in Noida. We are India's largest deep tech startup investor,", "vendors and corporate community. We have been working with IDFC Bank,", "first team, startup banking team for some time now. We have done a couple of programs together.", "We use their banking services for ourselves. In fact, with our portfolio companies and our experience has been tremendous,", "especially because of the kind of support we get. End of the day, we want somebody who is standing by us when we need them.", "For startups, it is also about understanding how the money can play out well for them.", "It is not about just using the money for your own product development,", "but at the same time,", "how that money can be used to make a profit.", "How that money can be smartly used and optimized for their business operations.", "That's where a bank like IDFC First helped them understand it through the financial experts that they have with them.", "So the one word which explains best is the buddy,", "because they are the ones who are always standing next to you whenever you need them." ]

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[ "But over the years, I've learned three important lessons that I'm going to be sharing with you here today", "that I don't see a lot of people talking about.", "So after this, you're going to be better prepared when you sign up for your high-yield savings account", "than I was five years ago.", "Let's start with number one, and that has to do with taxes.", "Chances are, if you have a high-yield savings account, you are going to be getting a 1099 INT.", "That will show how much interest income you earned.", "Now, I wasn't used to this because at my old bank with my old savings account,", "I wasn't earning that much interest.", "I think we were earning 0.01% or 0.05%.", "And that brick-and-mortar bank that I had that savings account never earned enough interest", "for them to have to send me a 1099 INT.", "Because if you do get $10 or more in interest on that savings account,", "then you're going to be getting a 1099 INT.", "And that's why I never got that in the previous bank, at the previous savings account.", "And when we did transition,", "over to the high-yield savings account,", "that's when we started to see those 1099 INT forms every year.", "But listen, interest earned in your high-yield savings account is still a good thing the way I see it", "because that's money that I would have otherwise not been able to earn", "if I didn't have a high-yield savings account.", "Taxes are a part of life, especially when you're trying to build wealth.", "And unfortunately, your high-yield savings account is not exempt from it.", "So be prepared as you're seeing that interest,", "as you're seeing that account earn money,", "to put some aside for taxes just in case you may owe when you file your yearly taxes.", "The second lesson that I've learned is that you just don't have to sign up for one savings account.", "If you're seeing offers from different savings accounts, banks, companies,", "you can sign up for multiple ones and take advantage of those perks.", "And at the same time, you'll be able to try the different companies to see which you like.", "And that way, you just don't have to get tied into one savings account.", "This is a strategy that I'm seeing more and more people start to use.", "Especially if they can get a $250 signing bonus from this bank", "and a $100 signing bonus at another bank.", "Why not?", "Just make sure that you are paying attention to the requirements you have to meet", "to get those bonus payments and to get those perks.", "Number three, don't expect that interest,", "that yield that you're earning on your high-yield savings account to stay the same.", "The interest rate that you see today being advertised is not going to be the same", "a year from now or even a few months from now.", "So that's why I choose not to spend the money in my", "HVAC account.", "Like it's normal, consistent income.", "The 4% to 5% APY that you may see today will eventually come down.", "It's going to come down eventually.", "So don't put yourself in a financial obligation based on the interest", "that your high-yield savings account is earning,", "or you could be in financial trouble later.", "And if you are in a position right now where you're trying to get out of financial trouble,", "or if you are trying to get to financial independence,", "something that I talk about on this channel,", "well, check out the video on the screen", "and learn about the seven pillars of financial independence.", "And I'll see you over there.", "Peace." ]

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[ "तो आप इजली उन पैसे को वापस ला सकते हैं", "हावेबर RBI का रूल है कि अगर आपने गलती से कुछ कर दिया है", "तो वापकी responsibility लेकिन फिर भी कानून है", "आप क्या करिए इस नंबर पर पहले तो कॉल करके अपने कम्पलेंट को दर्ज कर दिये", "यह यूपीआई का हेल्प लाइन नंबर है", "उसके बाद अपने बैंक मेनेजर के पास जाएगे या अपनी नियरबाई बैंक जो भी है", "वहाँ पर जाके उनसे बात करें", "वह कोशिश करेंगे तो आपके पैसे आपको वापस मिल जाएगे", "और तीसरा उसके बाद भी सॉल्फ नहीं होता तो इस वाली वेबसाइट पर जाएगे", "डिस्क्रिप्शन में इंफॉर्मेशन दिया हो यहाँ पर आप जाके कम्पलेंट दर्ज कर सकते हैं", "ऐसे और इंटरेस्टिव वीडियो के लिए चैनल को सब्सक्राइब करें वीडियो पसंद आतो लाइक और शेर्ट भी जरूर करेंगा" ]

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[ "the services they were absolutely fantastic. From the off I did find it very difficult,", "my circumstances with me being self-employed and having a number of businesses made it difficult.", "I had other brokers that just could not get me to deal and from the off Seco put my mind at ease", "and were able to get me what I was trying so hard to get which was able to complete on a property.", "So a big thank you to Seco, I couldn't recommend them anymore and if I ever get", "in a position to use them again I certainly would do. So thanks guys!" ]

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[ "लेकिन कई बार ऐसा होता है जब आप अपने phone pay, paytm या google pay का इस्तमाल करते हैं", "तो गलती से by mistake आप पैसे किसी को transfer कर रहे होते हैं", "वो पैसे किसी और को transfer हो जाते हैं", "फिर आपको डर सताता है कि पता नहीं वो पैसे आपको वापस refund होंगे या नहीं", "और उसमें options select करें", "incorrectly transferred to the wrong person", "इसे select करने के बाद जो जो details आपसे पूछे गए हैं", "आपका नाम, आपने कितने पैसे send की है, क्या आपका account का number है, कौन से bank account है", "ये सारे details आप बड़ी ही साफधानी से एक एक details को fill करें और इसे submit करें", "उसके बाद आपको कुछ नहीं करना, आपका bank खुद आपका पैसा आपको refund करेगा और 100% आपके" ]

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[ "which locked up and left thousands of people unable to access their paychecks.", "KGNI Consumer Reporter John Mattarese has an important caution about these popular cards", "so you don't waste your money.", "Problems with a popular prepaid debit card the past few weeks should be a warning to", "everyone who uses them. While prepaid cards can be a great alternative to traditional bank", "accounts, one woman learned you can be left without rent or food money if something goes wrong.", "Remember the Kardashian card? It was gone in 60 seconds. How about the Biebs card? But the", "granddaddy of prepaid celebrity cards is the Rush card, founded by hip-hop mogul Russell Simmons.", "It's had a good 10-year track record till now. They were saying that they were having scheduled", "maintenance last Monday and everything should be fixed by 8 a.m. Tuesday morning.", "But it wasn't. And Chelsea Miller, like many other Rush card holders,", "were still having problems accessing their money more than a week later.", "My deposit was finally reflecting, but my card was not working at a store or the ATM or anything.", "Prepaid debit cards have soared in popularity because they're convenient,", "don't require a credit check, and in many cases you can get a cash advance on your paycheck.", "That's why I signed up for the card originally, because they guaranteed two-day.", "Two-day early pay period.", "Simmons has issued a personal apology. He says the problems are due to an update.", "And he says all frozen accounts are back online or will be soon.", "But Time magazine says this highlights a downside with prepaid cards.", "Time says these cards come with high fees and says online banks have lower costs and fewer problems.", "Chelsea says she's going to look at other options.", "Prepaid debit cards can be fine, but you may not want to put your entire financial life onto", "just one card.", "And if you have problems getting a paycheck, ask your employer to issue you a new one", "so you don't waste your money.", "I'm John Mattries, KGUN9, on your side." ]

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[ "Today we're talking about the Ink Business Unlimited credit card from Chase.", "This is one of their main corporate credit cards.", "So if you do own a small business and you're thinking about getting a corporate card, this", "is a great place to start.", "In fact, I have a friend that has this card for her small business.", "So we'll talk about the rewards for this card.", "If you want to see all the other details about it, check creditcards.com.", "If you're watching on YouTube, I will link that in the video description below.", "If you're already on our website, you're in the right place, you can just search for that", "and find our full review.", "All right, so let's cover the rewards.", "It's pretty simple with the card.", "It earns one and a half percent cash back on every purchase, regardless of the category.", "That means whether you're spending on phone services, internet, travel, office supplies,", "at Costco, et cetera, you earn one and a half percent cash back on all your purchases.", "So you don't need to worry about maximizing different categories or what you earn in different", "categories.", "You earn one and a half percent across the board.", "So let's go through a quick example.", "To discuss some of the rewards you can earn with this credit card.", "Let's say you're going to spend about $15,000 per month on business expenditures that you", "could reasonably put on a credit card, by the way, and that would total $180,000 per", "year in spending.", "And the rewards there would be $2,700.", "Also the rewards you earn on the card, those do not expire and there's no limit on the", "rewards you can earn.", "And one of my favorite things about Chase credit cards, it's a reason that I personally", "have a Chase credit card.", "It's that they have multiple different redemption options for the rewards you earn.", "You're not stuck with just one redemption option.", "So you can choose statement credit, direct deposit, gift cards, and you can even book", "travel with your points.", "And there are other redemption options.", "I just can't remember off the top of my head, but Chase ultimate rewards points are really", "flexible and you have several different redemption options.", "So let's say you're really concerned about the credit card bill.", "You can actually offset that with a statement credit using your points.", "Or let's say you want to get gift cards.", "Hand them out to friends and family or employees.", "You can do that as well.", "And another thing to factor in with this card is that it has a $0 annual fee.", "So it's not costing you anything year to year to keep it in your wallet.", "Let's say you get it now, you plan to spend on it, but in a year and a half, two years,", "you decide, oh, I want a different corporate credit card and you stop using it so much.", "It's not costing you anything just to keep it in your wallet.", "So I love it when credit cards have a $0 annual fee.", "This one does.", "Not all credit cards do.", "But I like the fact that, you know, you're not worried about the fact that you're not", "worried about offsetting a big old annual fee using the rewards you earn on the card.", "Also the card does come with certain insurance items and protections.", "You can learn about those on our website.", "Again, the link is in the video description or if you're watching on YouTube and it helps", "you to build business credit.", "So if you own a small business and you get your first corporate credit card, chances", "are a personal guarantee is required.", "Now as you build business credit, that might not be required in the future.", "That's one advantage of getting a business credit card.", "If you're kind of on the fence about getting one.", "I've got a full guide about why you should get a business credit card, some of the advantages,", "and I can link that in the video description as well.", "So that's just a quick overview of the card.", "It's really simple.", "One of the best corporate credit cards out there, especially if you don't care about", "maximizing certain spending categories.", "But that's about it for this video.", "You can learn more on our website.", "Have a great day.", "Bye." ]

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[ "काफी सारी वीडियो मैंने देखी, बहुत सारे लोगों ने बताय हुआ है", "कि ओनलाइन घर बैठे बैठे आप Indian Post Payment Bank में अपना savings account ओपन कर सकते हो", "कोई भी फीस नहीं है, zero balance savings account है, कोई भी आपको चार्ज देने के जूरत नहीं है", "lifetime zero balance savings account है, ठीक है, सारी चीज़े ठीक है", "लेकिन काफी लोग इस चीज़ में confused हो जाते हैं", "लोगों को लगता है कि यह जो IPPB अकाउंट है, यानि यह जो Indian Post Payment Bank का अकाउंट है", "यही अकाउंट है जो post office में open होते है, दोनों अलग-अलग है", "यह है Indian Post Payment Bank, और दूसरा होता है post office savings account", "जैसे हम देखते हैं हमारे घर के आसपास post office है, काफी लोगों को post offices के उपर trust है", "लोगों को लगता है यह 100% गवर्वर्मेंट है, लोगों को यह लगता है कि अगर हम इसमें अपना पैसा रखेंगे तो हमारा पैसा 100% सेफ है", "अब यह जो IPPB है, यानि Indian Post Payment Bank है, यह भी 100% गवर्वर्मेंट है, लेकिन यह post office savings account से बिलकुल अलग है", "देखो payment bank सबसे पहले आप समझो, payment bank होते क्या है, देखो जो भी ऐसा bank, अगर हम payment banks की बात करें तो आज की रेट में इंडिया में सिर्फ 6 payment banks हैं, जिसमें से Indian Post Payment Bank भी एक पार्ट है", "अब यहाँ पे RBI ने payment bank के ऊपर एक restriction लगाई हुई है, एक safety के लिए, कि यह जो banks हैं, यह 2 लाक उर्पे से जादा किसी भी customer का deposit नहीं ले सकते, यानि अगर मैं Indian Post Payment Bank की भी बात करूँ, तो इस case में भी किसी भी point of time पर मैं 2 लाक उर्पे से जादा balance अपने account में maintain नहीं कर स", "सकता, दूसरी बात, अब यह जो Indian Post Payment Bank का account है, यह मुझे open करना पड़ेगा online, online open करने के लिए process क्या है, कि आपको Google Play Store पर जा करके, Indian Post Payment Bank की mobile banking application को activate करना होगा, यानि install करके जब आप activate करोगे, उसके बाद कुछ अपनी basic details enter करोगे, कोई video KYC का option यह देते नहीं है, आपको अ", "post office का savings account यह open कर लो, अब दूसरी बात, जब तक आपकी KYC complete नहीं होगी, उस time तक सिरफ और सिरफ ज़ादा से ज़ादा आपके account में, एक लाग से ज़ादा आप किसी भी point of time पर balance नहीं रख सकते, जब KYC complete होगी, उसके बाद ही 2 लाग रुपे maximum balance maintain कर सकते, दूसरी तरफ यह", "post office savings account है, यह normal savings account है, जैसे हम open करते हैं, state bank of India में, HDFC में, access bank में, normal savings account, इसमें आप कितना मरजी पैसा रखो, कितनी मरजी transactions करो, यह normal savings account है, दूसरा, एक मैं आपको इसका बहुत बड़ा advantage बताता हूँ, जो Indian post payment bank है, पहले यह savings account पर हमें interest देता था, 2.25%, वो भी इसने घटा के", "अब सिरफ 2% का rate of interest देता है savings account पर, Indian post payment bank, आप market में किसी भी bank को उठा के देख लो, कोई भी bank इतना कम rate of interest तो नहीं देता, किसी भी bank को उठा के देख लो, दूसरी तरफ, अगर आप post office का regular savings account ओपन करोगे, तो इसमें आपको 4% का rate of interest मिलेगा, यानि एक ही organization है, एक ही post office है,", "एक तरफ, Indian post payment bank आता है, एक तरफ, post office का regular savings account आता है, बहुत सारी videos बनी हुई है, बेधडली videos बनी हुई है, सभी लोग बना रहे हैं, कि यहाँ पे आप Indian post payment bank का account online ओपन कर लो, घर बैठे बैठे, लोगों लगते है post office में account ओपन हो रहे है, लेकिन ये post office का direct account नहीं है, ये Indian", "post payment bank का account है, post office का अगर आपको account ओपन करना है, पहली बात, online आप account ओपन ही नहीं कर सकते, दूसरी बात, आपको account ओपन करने के लिए post office ही visit करना पड़ेगा, लेकिन यहाँ पे rate of interest भी देखो, यहाँ पे सारी facilities भी मिल रही हैं आपको, यानि regular savings account है, कितनी भी transaction करो, दूसरी �", "बात, आपको savings account में भी 4% का rate of interest मिल रहा है, अब एक बार इस वीडियो में हम दोनों ही accounts को comparison कर लेते हैं, कि किस-किस field में यह accounts अलग है, एक तरफ हम compare करेंगे Indian Post Payment Bank के account को, और दूसरी तरफ हम compare करेंगे post office के regular savings account को, अब यहाँ पर Indian Post Payment Bank का जो यह account है, यह तीन parts में basically आते", "हैं, आपको कौन सा account open करना है, पहला यह दिखाएगा BSBD account, यह बेसिक savings account, जिसे हम जंधन खाते ही बोलते हैं, उसका कोई benefit नहीं है, यहाँ बहुत limited ही transactions आप कर सकते हो, दूसरा यह दिखाएगा open your digital savings account, यहाँ आपको उसी account को ही open करना पड़ेगा, digital savings account को, उसमें यह होता", "है, zero balance account है, online घर बैठे बैठे, बिना video KYC के आपका account open हो जाएगा, KYC pending रह जाएगी, जब आप branch visit करोगे, या जब आप post office visit करोगे, उसके बाद आपकी KYC complete होईगी, KYC complete जैसे ही होईगे ना, तो यह digital savings account आपका convert हो जाएगा, post office, या इन्डियन post payment bank के regular savings account, यानि जो यह digital savings account", "था, बिना KYC के, इसमें maximum आप एक लाफ रुपे रख सकते थे, जब यह convert हो जाएगा, regular savings account में, तो इसमें maximum आप फिर दो लाफ रुपे रख पाओगे, दूसरी दरफ post office savings account, जैसे कि मैंने आपको बताया, कि इसमें आप कितना भी पैसा रखो, यह normal और regular savings account के तरह है, इधर", "Indian post payment bank में, minimum balance आपको zero रखना है, और initially जब आप account open करते हो, तब भी आपको zero रुपीज ही maintain करना है, यह नहीं, कोई maintenance नहीं है, और कोई भी initial funding नहीं है, दूसरी दरफ post office savings account की बात करूँ, तो account opening के लिए, आपको कम से कम, 500 पे गी initial funding करना ज़रूरी है, और account में 500 पे ही आपको", "maintain करना भी ज़रूरी है, यह नहीं, इसका जो monthly average balance है, वो 500 पे maintain करना आपको ज़रूरी है, बहुत कम है, आप even SBI और किसी दूसरे bank को भी देखोगे, SBI तो चलो आज की date में zero balance दे रहा है, लेकिन किसी भी दूसरे bank को देख लो, तो काफी सारा आपको monthly average balance maintain करना बढ़ता है,", "क्योंकि यहाँ पे zero rupees ही आपको maintain करना है, लेकिन अगर हम post office की बात करें, इसमें अगर आपने 500 पे maintain नहीं किये, तो आपके उपर सालाना 100 पे की penalty ले गई, अब यहाँ पे इस case में, जो आपका interest है, वो quarterly आपको मिल जाएगा, यानि हर 3 महिने में आपको interest मिलेगा, लेकिन post", "office savings bank account की हम बात करें, तो इसका जो interest है, यह पूरे साल का interest एक बार आपको 31 मार्च को credit हो, यानि जो post office का account है, जो हम post office visit करके open करते हैं, इसके account का interest, यानि आप लगबग आज की date में हर bank को देखोगे, तो हर bank आपको 3 महिने में एक बार interest देता है, लेकिन post office का यह जो account है, य", "प्रोफीट कार्ड नहीं मिलेगा, सिर्फ एक QR कोड मिलेगा, जिसे scan करके आप अपनी transactions कर सकते हो, बाकि आपको सिर्फ virtual debit card मिलेगा, जिसकी fee से 25 रुपे, तो इस case में online physical debit card नहीं मिलने की वज़े से, आप किसी भी ATM में जाके cash withdraw नहीं कर सकते, उसमें काफी आपको दिक्कत", "पर पर्वाशन बैंक में और post office savings bank account में, safe 100% ये भी है, 100% ये भी है, दोनों ये 100% government है, इस case में बस मेरा ये वीडियो बनाने का मकसद ये था, कि बहुत लोग यही सोचते हैं, कि ये जो Indian post payment bank है, ये ही post office का account है, दोनों अलग-अलग है, क्योंकि काफी लोगों को open कराना होत", "दोनों की payment bank क्या होते हैं, उसे आप पढ़ सकते हो easily अपनी knowledge के लिए, बाकि payment banks की बहुत restrictions हैं, ये उमीद करता हूँ, आपको समझ आ गई हैं, अभी के लिए this is the end of the video, thanks for listening and thank you." ]

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[ "अगर हम अपना mobile recharge करते हैं और UPI से उसका payment करना चाहते हैं, तो भी UPI ID चाहिए.", "अगर हम SIP या IPO में online invest कर रहे होते हैं, तो भी हमें UPI ID चाहिए.", "और अगर हम किसी से पैसे मंगाना चाहते हैं, तो भी अपना UPI ID बता कर ही पैसे मंगा सकते हैं.", "दोस्तों, ये UPI ID बड़े काम की चीज हैं.", "UPI payment system में इसका important role होता है, लेकिन अक्सर लोगों को इसके बारे में अच्छी तरह से पता नहीं होता है.", "आज हम इस वीडियो में इसी के बारे में धेर सारी बाते बताएंगे.", "नमस्कार दोस्तों, मैं सविता मिश्चा और आप देखना है चैनल आपका पैसा.", "UPI payment system में UPI ID बेहत एहम है.", "अच्छी बात यह है दोस्तों कि यह बिल्कुल मुश्किल नहीं है.", "करोनों लोग इसे अप्रा चुके हैं और इस बेहतरीन payment system का फायदा उठा रहे हैं.", "लेकिन दोस्तों इस बात को अच्छी तरह से समझ लेजिए कि UPI payment system का यूज़ करने के लिए आपके पास bank account होना जरूरी है.", "यह payment system सिर्फ payment की service देता है. यह bank account की जगा नहीं ले सकता.", "आपको bank account खुलवाना ही होगा क्योंकि पैसे का अदान प्रदान तो उसी account से होगा.", "तो पहली बात तो यह है कि आपके पास bank account होना चाहिए. दूसरी बात यह है कि उस bank account में आपका number register होना चाहिए.", "अगर आपने अभी तक अपना mobile number bank में नहीं बताया है तो पहले उसे register करा लेजी.", "तीसरी ज़रूरी चीज है debit card. UPI pin सेट करते समय debit card के detail की जरूरत होती है. बिना UPI pin के आप कोई payment नहीं कर सकते हैं.", "वैसे दोस्तों payment पाने के लिए UPI pin की जरूरत नहीं होती है. यानि अगर आपके पास debit card नहीं है तो भी UPI का use कर सकते हैं. लेकिन ऐसे में आप पैसे मंगा तो सकते हैं लेकिन किसी और को payment नहीं कर पाएंगे.", "तो दोस्तों अगर आपके पास bank account है उसका debit card है और mobile number भी register है तो आप तुरंथ UPI का registration कर सकते हैं. आपको तुरंथ UPI ID भी मिल जाएगी.", "दोस्तों UPI payment system का use करने के लिए आपको खास तरह के mobile app की जरूरत होती है. UPI payment system की facilities देने वाले ढेर सारे apps हैं. कई apps तो खुद bank के हैं जैसे SBI Pay, ICICI Pocket वगैरा.", "लेकिन कई apps third party के हैं जैसे Phone Pay, Google Pay, Amazon Pay वगैरा. और आजकल यही third party वाले apps सबसे ज़्यादा popular हैं.", "खेर आप कोई भी UPI app डाउनलोड करके install कर लिजिए. अब registration के वक्त आप से language चूज करने के लिए कहा जाएगा. इसके बाद आप से mobile number verify करने के लिए कहा जाता है. ध्यान रखिये कि इसी mobile number के आधार पर आपके bank account का पता लगाया जाता है. इसलिए अगर आपके mobile में दो SIM card", "जाता है, इस SMS के साथ आपका mobile number UPI system के पास पहुँच जाता है. अब इस number का use करके UPI payment system आपके linked bank account का पता लगा लेगा. इस बीच सही bank account का पता लगाने के लिए आपके bank का नाम भी पूछा जाता है. इस तरीके से वो सभी account सामने आ जाते हैं जिन में आपका mobile number पड़ा हो�", "गा. अगर किसी bank में आपके एक से ज़्यादा account होंगे तो वो सभी bank account सामने आ जाएंगे. UPI payment system में आप एक या उससे ज़्यादा account भी link कर सकते हैं. अब जैसे ही आप किसी bank account को link करेंगे आपका UPI app अपने आप ही आपके लिए कोई ना कोई UPI ID allot कर देगा. दोस्तों इसक", "का मतलब ये हुआ कि असली माइने में आपको UPI ID बनाना ही नहीं पड़ता है. ये खुद system ही बना देता है. दोस्तों आम तोर पर आपके लिए जो UPI ID बनाये जाते हैं उसमें आप ही के mobile number या email ID का use होता है. इसका फाइदा ये है कि आप आसानी से अपना UPI ID याद रख सकत", "हैं. तो दोस्तों आपको UPI ID बनाने की जरूरत नहीं है. आपका UPI app खुद बखुद आपके लिए UPI ID बना देता है. इसलिए जरूरत इस बात की है कि आप उस UPI ID के बारे में अच्छी तरह से जानते हों. और अच्छी बात तो ये है कि आजकल सभी popular UPI app सामने ही UPI ID दिख", "Google Pay में ये पहले पेश पर नहीं दिखता है. लेकिन आप जैसे ही अपनी तस्वीर पर टैप करेंगे अगले पेज में सामने ही UPI ID दिख जाएगा. Google Pay में आपके Gmail ID का यूज करके UPI ID बनाया जाता है. और आप इसका यूज करके ओन्नाइन पेमेंट कर सकते हैं.", "अब सवाल उठता है कि अगर UPI ID बदलना हो तो क्या करें? क्योंकि कभी-कभी इसकी जरुवत पड़ती हैं. तो दोस्तों इसके लिए खुली छूट नहीं है. जादा तर एप्स इसके लिए लिमिटेड फैसलिटीज देते हैं. जैसे Phone Pay में आपको कुछ सजस्टर्ड UPI ID �", "दिखेंगे. आप इसमें से कोई भी चूज कर सकते हैं. Phone Pay का तीन बैंकों के साथ कॉंट्रेक्ट हैं. और आप इन तीनों बैंकों में से किसी का भी UPI ID एक्टिवेट कर सकते हैं. इन में से जो चाहें उसे डिफॉल्ट UPI ID चूज कर सकते हैं. एक बात और अगर आपके पा", "चाहती हैं वो चेंज नहीं होती है. आम तोर पर ये आपके मोबाइल नंबर का यूज करके बनाया जाता है. Google Pay में भी UPI ID चेंज करने के लिमिटेड ओप्शन हैं. बस आप बैंक बदल सकते हैं. यहाँ पर आपके पास चार बैंकों के UPI ID लेने का ओप्शन है. लेकिन यह", "शुरू में वही कैरेक्टर्स होंगे जो आपके Gmail ID में होते हैं. इसे आप नहीं बदल सकते हैं. Google Pay में आप सभी चार available UPI ID एक्टिवेट कर सकते हैं. या फिर किसी तीन को डी एक्टिवेट कर सकते हैं. पैसा लेने और देने के लिए कम से कम एक UPI ID एक्टिवेट होना जर�", "रूरी है. वैसे तो Patreon में केवल एक ही UPI ID है. इसलिए वहाँ कोई confusion नहीं है. लेकिन Phone Pay और Google Pay में आपको किसी एक UPI ID को default UPI ID fixed करना होता है. तो दोस्तों एक बार इस UPI ID का पता चल जाए इसके बाद आप आसानी से पैसे मंगा सकते हैं. और यू ऑनलाइन पेमेंट भी कर सक", "दिलाल कर तुरंद पैसे भेज देगा. इसके बाद पैसा आपके बैंक एकाउंट में आ जाएगा. ओनलाइन पेमेंट करने के लिए जब आप अपना UPI ID सम्मिट करते हैं तो आपके UPI एप में पेमेंट की एक रिक्वेस्ट आ जाती है. ये रिक्वेस्ट उसी मोबाइल �", "एप में आएगी जिस एप का UPI ID आपने भरा होगा. जब आप वो एप खोलेंगे तो सामने ही आपको पेमेंट का रिक्वेस्ट दिखेगा. आप उस रिक्वेस्ट का एमाउंट चेक करके पेमेंट को अप्रूफ कर दीजे. फाइनली पेमेंट करने के लिए आपको UPI PIN ड", "UPI ID बताना होता है, UPI PIN नहीं. अगर कोई UPI PIN पूछ रहा है तो वो पक्का ठग है और आपके बैंक एकाउंट को साफ करने के चक्कर में है. तो दोस्तों ये थी जानकारी UPI ID के बारे में. अगर आप और भी कुछ जानना चाहते हैं तो हमें कमेंट करके जरूर बताएं.", "अगर आपको ये वीडियो अच्छा लावा हो तो इसे लाइक करें, ज़ादा से ज़ादा शेयर करें और इस चानल को जरूर सब्सक्राइब करें." ]

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[ "हाली में मुझे ये message आया saying कि अगर मैं अपना pan update नहीं करूँगा", "तो मेरा net banking suspend हो जाएगा", "ये message आया था HDFC bank से और मेरी वहाँ account भी है तो मैं डर गया", "तो जब आप इस link पर tap करते हो क्या होता है", "आपको एक बहुत original दिखने वाली website दिखती है आपके ही bank की", "और वहाँ बोला होता है कि आप simply अपने net banking details डाल के pan update कर दो", "और फिर आपको चिंता लेनी ही कोई जरूरत नहीं", "लेकिन जैसे ही आप ये करोगे आपके net banking का access उस बंदे को मिल जाएगा", "और फिर आपको भी पता है क्या होने वाला है", "प्लीज ये जान लीजे कि आपको कोई इंसान phone या message से नहीं बताएगा", "कि आपने ये नहीं किया तो आपकी bank suspend हो जाएगी", "bank account suspend होने के लिए proper procedure follow करनी पड़ती है", "तो scam से सावधान रहिए और इस वीडियो को अपने दोस्तों के साथ और family group पे share कीजे", "और ऐसे वीडियो के लिए subscribe कीजे" ]

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[ "The office released its report on mediation efforts between customers and banks for the year 2021 in cases including disputed payments, fraud, closure of bank accounts and repossessions.", "Riana Stain is the Ombudsman for Banking Services and she joins us now to shed more light on their findings.", "Riana, thank you very much for joining us.", "You received over 41,000 calls and in the end you investigated 8,389 complaints and 73% of those cases were found in favor of the banks.", "Talk to us about the findings when it comes to the increase in complaints.", "Yes, so you know on the one hand we are actually pleased that there's an increase in complaints because I think it also means that more people know about the office and that they can complain.", "So more awareness which is never a bad thing.", "That on the one hand I think also COVID, people are dead stressed.", "All of those things contributed to the increase.", "7% on the previous year.", "But if you look directly at the previous year, it was 7%.", "So that is a massive increase for us.", "You mentioned the number for calls.", "We also had over 10,000 cases that we received and we then sent it to the bank and asked them to have a look at it before we open a complaint.", "Because those matters, consumers approached us without going to the bank because they came to us for ask for help.", "And of course I don't open a case unless the consumer has at least tried to resolve it.", "And some of those cases at least tried to resolve it.", "But at least half came back and they said they're not happy.", "I must open a case for them which we then did.", "And then others went away because they were happy with what the bank did.", "So overall, big numbers and increases.", "And if I can immediately jump in, I think the top category of complaints is internet banking and fraud.", "We're not happy to see that because it means it's the customers who are losing money.", "Because if you fall victim to fraud, whether it's a phishing email, whether it's that phone call from the fraud,", "whether it's a fraudster claiming to be the bank and you give them the OTP,", "all those fraudulent activities, it's aimed at getting hold of customers' money.", "And people want the bank to reimburse them and most of the time we cannot assist.", "There are instances where we are able to recover money if it's somewhere still in an account", "or if the bank did not do what they were supposed to do in a specific instance.", "But of course, you know, if a customer is a victim of fraud,", "and they gave away their OTP or their password and PIN, not much we can do.", "So that's not a good thing.", "Riana, you've also noticed that in 2021 there has been some serious financial constraints", "that many customers have gone through.", "But when it comes to the complaints themselves, many are service-related complaints,", "maladministration by banks, consumers being debt stressed, and their accounts being closed.", "And then consumers disputing their fees or interest applicable to their agreements.", "What can consumers do from their side to ensure they don't fall prey to any of these issues?", "I think the starting point is they need to understand their contracts.", "They need to read their accounts, statements.", "And really also, I think, educate themselves as to the products they're using,", "the contracts they're entering into.", "Because many of the complaints we see are people who entered into contracts years ago.", "And now something happened and they look at it and they say,", "but I never wanted this.", "Why is it extended?", "I mean, I thought I had a sort of five-year contract, but now I see it's 10 years.", "What happened here?", "They didn't check.", "They have received statements all along.", "Interest and fees.", "They do not understand what's going on.", "And then, of course, we have to assist.", "And that's what we're there for.", "Closure of bank accounts.", "There is information out there.", "When can a bank close an account and what must they do?", "Because there are obligations on the bank as well.", "But if the customer doesn't know what their rights are, they won't always know when to complain.", "So I think just from my side, education, be aware of fraud.", "Fraud is still the biggest problem in our banking world because the customers are being targeted.", "They do not target the banks.", "They target soft targets.", "Customers, they phone them up.", "They go, they hack their computers.", "They send them phishing emails.", "And every single day, people are falling for it, and then they lose their money.", "So I think a lot of education is necessary, and I think people must educate themselves.", "I also take responsibility.", "We try.", "We send out press releases.", "We warn people.", "But I do think that's the one thing, if there's a message that I can give to bank customers.", "You need to know what you're doing.", "The world is dangerous out there, even though the technology is there to assist.", "Brianna Stain is the Ombudsman for Banking Services.", "She says 2021, there has been huge increases in complaints, but that is not a bad thing at all.", "That's it from the Business Desk for now.", "Back to you, Cathy." ]

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[ "another review and um let me ask all you guys a question is have you been getting tired", "about these overdrive fees over there at the bank if you do hey the best thing is this", "is going to be another review i want to show you guys voila its a walmart prepaid money", "card yup check a look right here see i got my finger scrubbed to make sure all you guys", "dont see my numbers there you go and the reviews ive been hearing some good reviews on the", "walmart money card they are pretty the best because you can put your money in there but", "the whats um its a three dollar fee you can put your money in there thats all but you", "guys didnt realize is um you guys dont even know walmart money card is a free card you", "green dot prepaid debit card yup it is and um im kinda happy i got this card and um because", "you know green dot owns walmart money card only two ways you can put your money in this", "card is the first thing is if you have any cash or if you want to put any inside this", "card go check one of the stores of who does you can reload this uh at walmart and uh and", "the limit is you have to put this a hundred dollars thats the limit but if you go to the", "cash uh you know the customer service when you return all the stuff theres no limits", "and you can put anything you want because theres no limits if you go to the customer", "service you know the same area you trying to return stuff or something like that yeah", "you got to put in the cash and you can put in anything you want because theres no limits", "thats the limit thats the reason why im talking about if you want to reload that at the customer", "service you can put in anything you want because it doesnt matter if you put like five", "hundred or a thousand or two thousand dollars even five thousand it doesnt matter anything", "you want and the another thing is and another one more thing is if you looking for like", "a full time job hey you just calling for a direct deposit you can deposit your paycheck", "in this link right here", "you can direct deposit no matter what if you're looking for a full time job and um and that's", "it thats my review on my walmart money card and um please um comment share this give me", "a like this video smash that bell even subscribe and um see you in my next video bye" ]

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[ "what are the features of net banking, what are the advantages of net banking", "and how secure the net banking is through this video.", "According to Zig Ziglar, expect the best, prepare for the worst, capitalize on what comes.", "Before we go in, please subscribe for more videos. Click the bell icon for updates.", "What is net banking?", "Net banking, also known as internet banking or the online banking,", "is a facility offered by banks and financial institutions", "which allows the customer to use the banking services over the internet.", "It allows the customer to conduct", "online banking and financial institutions.", "Many different types of transactions such as transferring funds to another bank account", "or checking the transaction statement, paying bills and much more", "through the internet from the comfort of home.", "The customer uses a resource and medium to conduct these financial transactions.", "The resources that the customer uses might be an electronic device", "like computer, laptop or a mobile phone.", "The medium is the internet that makes the technology possible.", "Not all the account holders get access to internet banking.", "The customer must register for the facility while opening the bank account or later.", "The customer should use the registered customer ID and password", "to log in into their internet banking account.", "What are the features of internet banking?", "The customer using this facility can use the internet banking account to log in to their internet banking account.", "Other users can see the information after she Essay внутри internet banking account.", "Now the payment details can be fill animate for subjects to be said.", "eds", "what are the other features you need assistant or IS about?", "Can buy and sell on the e-commerce platforms.", "They can book transport, travel and medical packages.", "And apply for a new debit card PIN.", "What are the advantages of net banking?", "It certainly saves time.", "Allows the customer to do financial transactions 24x7.", "Immediate fund transfers are very helpful for the customers in urgent need.", "Transactions are safe and highly secure.", "The customer can get permanent access to his or her bank anytime and anywhere.", "Now how secure is online banking?", "Accessing your bank account online is generally safe.", "As long as you enter the correct details and follow a few safety rules.", "Public Wi-Fi connections are not often secure.", "So don't use them.", "For banking or making purchases.", "Choose your passwords carefully.", "If possible don't use the same one for different accounts.", "Only use secure Wi-Fi connections to access your banking.", "Always remember to log out of your account.", "Security of internet banking.", "The financial information of the customer is important.", "The banks or the financials.", "Financial institutions keep it on a high priority that the security of the customer's accounts should not face a breach.", "Financial institutions are using two types of security methods to make internet banking safe and secure.", "They are use of PIN and TAN.", "The PIN, Personal Identification Number, is used to log in.", "And TAN, Transaction Authentication Number, which means,", "the one time password or the OTP is used to conduct transactions.", "TAN is sent to the customer via SMS to their registered mobile number that corresponds with the login user ID.", "It is valid only for a short time frame.", "Well, thank you so much for watching.", "Please like this video and do share.", "If you have any questions, please leave a comment.", "Thank you for watching.", "Please subscribe to my channel.", "Thank you for watching.", "Please like this video and do share.", "Thank you for watching." ]

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[ "आज मैं आपको ऐसा ट्रिक बताने वाला हूं जिसे अपने पैसे को आप वापिस ले सकते हैं तो वीडियो का पूरा देखना" ]

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[ "here once again my name is John Manning I'm the owner of true wealth management as well as the", "owner of you are credit now calm and I'm so excited to be with you again if you haven't", "already been here before here at my channel we talk about real estate credit and business and", "how you could use these swipes and credit to build businesses guys and I'm so happy to have", "you with me today and what we do here at this channel is teach financial literacy so that we", "can take power away from those financial institutions and put ourselves and back", "into the driver's seat today we're going to be talking about my third card when I did my round", "up and I did my round up and I did my round up and I did my round up and I did my round up and I", "card抽け past theIVE guys at 결코 10 as well as the funding guys the third card I", "picked up doing my small round of funding is no other than discover it guys this card has a five", "percent cash back", "in different categories per quarter guys that includes places like walmart.com um they have", "five percent gap cash back in categories like gas restaurants paypal and so forth on guys um", "this is a powerful card to have guys discover it is something that i would truly truly say if you're", "building a bank you need to have it in there five percent cash back in selected categories", "each quarter guys each quarter and right now what they're also doing with the discover it card guys", "is", "they're doing um they're giving you five percent cash back on your entire or or they're not five", "percent but they're matching your cash back for the whole year for your first year so everything", "you spend on your first year they're giving you cash back at the end of that first year which is", "also very very very very enticing guys", "um right now with my discover it card they also has a um is doing some type of uh special now", "introductory rate when you come in or you initially come in and you apply for the discover it card", "i believe they're doing zero percent uh interest of introductory for the first six months is either", "the first six months or the first 12 months but i believe mine is the first six months guys they're", "always changing them", "and i believe they're not being grade cut as well but i certainly think they're going to use some help", "when their business is growing um but the word actual introduction exactly is your characteristic", "don't quote me on that but like i said discovered it is a um is a decent car guys and it should be", "you know it's one of the one of my favorite cars and because of the five percent cash back", "categories guys um which um give you some of your money back why swipe your debit card when they", "don't give you anything back guys this is why i use credit cards i use credit cards because i swipe", "credit cards and i get some of that money back about things that i'm gonna spend anyway but", "what i'm saying to you is don't get yourself in debt use these powerful puppies to build a business", "and to build income so", "use them to build assets not to uh get into debt and build liabilities build assets with these not", "liabilities uh once again i'm trying to see if i forgot anything else about this discovery car", "which is um oh yeah the discovery car believe it or not um is using when you do your hard pull for", "they do a soft credit check for a discovery car", "and they are pulling from experian guys experian so whenever you apply for this just know you need", "to uh take a look at your experience credit report and see how that looks before you go and apply guys", "once again once they do that soft pull and everything is good and they got you pre-pulled", "of course followed after that they're going to go ahead and do a hard pull but once again make sure", "your experience credit report is tight", "with this discover it card zero percent interest six months guys five percent cash back categories", "you gotta have it all right until next time guys uh please feel free to drop comments", "uh feel free to uh schedule a consultation about uh funding guys and let's go ahead and continue", "to grow together and i'm so excited uh to have you guys with me um please if you have any questions", "in the comment area please visit the links below for more information and more content until next time peace" ]

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[ "Okay, yeah, okay, but...", "Okay, but we've not scratched it.", "Look how close you are to my car.", "You must have scratched it.", "What do you mean, look how close?", "Look, it's ridiculous.", "You're so close.", "Okay, look, but look, look, look.", "I'm in the bay, yeah?", "You're not in your bay.", "I don't care.", "You have scratched my car.", "When I parked this car, there was no scratch on it.", "There's a scratch on it now.", "But I'm saying...", "I want your insurance details as well, please.", "Yeah, yeah, but what?", "I've taken a picture of your number plate.", "No, but what I'm saying is, if there's a scratch on your car,", "how come there's not a scratch on my car?", "You must have damaged it more.", "But we're in the bay.", "I'm in the bay, you're not in the bay.", "You're going to see the mark on this car.", "Exactly, exactly.", "My car's not big enough to hit me like that.", "Honestly, when I parked, there was no scratch on this car.", "I'm still taking the pictures.", "Taking pictures, but it's not us.", "I'm not giving you any details.", "I've not hit your car.", "I don't care.", "You don't need to give me details.", "I can get all your details.", "From your insurance company.", "Yeah, but look, there's no scratch on my car, though.", "There's no evidence.", "Thank you.", "Two wrongs don't make a right, but there's no way that car's cut like that.", "It looks like a van.", "Yeah, yeah.", "Exactly.", "We've never done that.", "What about your car?", "I do cards and body work every day.", "That's not fresh.", "If that was fresh, you'd see a little bit of paint peel.", "That's not fresh.", "That's been there for a while.", "Yes, that's true.", "And then you're over here trying to accuse us of doing it.", "You know that's been there before, innit?", "Yeah.", "You said yeah.", "You knew it was there before." ]

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

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[ "all the way out to 10 years. And when I say CDs, I'm referring to certificate of deposits,", "which are offering just over 6% today. There are several different types of CDs,", "which I'll be discussing, and I'll provide the highest rates that are available in each of those", "types and timeframes. And it's due to the feedback from viewers like you that led me to provide this", "video with CD rates going out all the way to 10 years. And since some of you may be new to my", "channel, I'm going to be covering the basics of CDs, and then I'll jump right in with the best", "rates today. And as a reminder, CDs are a savings product that are offered from banks and credit", "unions, which provide a higher rate than a savings account because they require you to keep your", "money invested in the CD for a set period of time. CDs have an upper hand of the savings account with", "regards to the rate because it is a locked in rate for the entire timeframe that you own it.", "Unlike a savings account where the interest rate can go up or down at a moment's notice.", "The biggest downside to CDs is that you're typically locked", "in for a long time. And that's because you're not able to save money.", "For the set time period, and you don't have as much access to your cash like you would with a", "savings account. However, you can cash in your CD early, but it has a tendency to have a fee that's", "associated with withdrawing it early. The penalty is typical anywhere from giving up one to two", "months worth of interest. But if you need your cash in a hurry, you can take the penalty and", "you can cash them in. But I'm going to discuss an option that skirts that penalty altogether.", "And you can also purchase your CDs from a brokerage site like Schwab,", "Fidelity or TD Ameritrade. And these CDs are still savings products that", "are being sold from specific banks and the credit unions. The brokerage site is just a moderator", "that's connecting the clients with the banks. Overall, this means that the FDIC coverage up", "to 250,000 is still offered on CDs purchased on a brokerage site. And buying new CDs from a large", "broker like these don't typically have any fees associated with it, but always make certain to", "read the fine print because they can change their fees and their terms at any time. I often hear", "from viewers that use a local broker where they're often being charged fees for purchasing CDs and", "CD ladders. Always do your homework to understand your fees and your options from your specific", "broker. And another question that I often get is, can you buy CDs within an IRA? And the answer is,", "yes, you can, but you need to review the details and any purchase limits of your IRA.", "A big difference between a brokerage site versus a bank is that you don't have early withdrawal fees.", "Instead, they have the option to sell the CDs on the secondary market.", "I cover the brokerage site CD process in depth in this video right here. If you are interested in", "learning the fine details of purchasing them on a brokerage site, then I highly suggest that you", "watch this video. Brokered CDs is far too much information for me to cover today, but I will", "state that there is a fee for buying and selling used CDs from a broker, and it's usually around", "0.1%. Next, I need to speak about the taxes on CDs where you're going to be given a 1099 IMT form.", "On a CD, the taxes is based on when you earn it, not when you withdraw it. So if you have a three", "year CD, you'll pay taxes in year one, you'll pay taxes in year two, and you'll pay taxes in year two.", "Even if you keep the interest compounding and growing in the CD.", "Now, I also want to talk about the duration of CDs and how they interact with your payout based on", "your APY. The annual percentage yield or APY is basically how much money you can expect to make", "in a year from your investment. Even if your CD is only for six months, the APY is calculated as", "if you kept it for the full year. This helps keep things consistent across different investments.", "Sort of an apples to apples discussion. Here's an example. If you have a 12 month CD with a 12%", "APY without any compounding interest, it means you'll be earning 1% each month. But if you also", "have a six month CD with a 12% APY, you still earn 1% each month. So even though the CDs have", "different durations, they're both earning the same rate on a monthly basis, which equates to exactly", "12% APY. In short, the rate of return APY is the same for both CDs, but the duration happens to be", "different. It's important to understand this so that you can make informed investment decisions", "on things like CDs, T-bills, and other items that are not in the same rate. So if you have a 12% APY,", "that have varying dates of maturity. All right, let's get started with the best three month CD", "rates today. And as a heads up, I will have a link to a spreadsheet in the description below", "that's going to list all the links to all the banks that are offering these CDs. And I'll kick", "it off with the best regular CD today being from a website called Raisin. And it's for Ponce Bank", "at 5.15%. And if you're not aware, Raisin is like a mediator that brings savings products like CDs", "and bank accounts from all different types of banks. And then they offer to them all in one", "location, sort of a one stop shop. And I will state that they are an affiliate link for me,", "but I am only listing them in this video where they have the best rate. And a feature that I do", "like about Raisin is that their minimum deposit is only $1. And you're not going to get that really", "from any other bank. And I also want to make it overtly clear that every CD that I list today is", "insured either by FDIC or NCUA. As for the best three month brokered CD, it is at 5.3% from TBK", "Bank. And I'll kick it off with a list of the best three month CDs that are offering these CDs. And", "I am only listing brokered CDs that are call protected. There are higher rates that are", "available, but they aren't call protected. And honestly, for my opinion, that is not worth showing.", "And for those of you that want the maximum liquidity possible, I'm also listing the top", "no penalty CD at 4.9% from American First, but it is on the Raisin website I just mentioned prior.", "I'll also point out that Raisin is the only site that I found with the best rates on no penalty CDs.", "But hey, if you do find one better, please share it in the comments,", "and I'll see you in the next video.", "Now onto the six month regular CD with Old Point National Bank at an incredible 6.02% with a $500", "minimum deposit. I have to show a picture of their website to ensure that you can all see this for", "yourself. Seriously, this is one of the highest rates that I've seen all year. If you want this,", "I highly suggest that you jump on it now before it's gone. It's not uncommon for a bank to have", "a limit or a quota on what they're willing to sell. And then they simply turn it off once they", "hit their number, which is also a very good reminder that you can't just buy a CD at a", "rate that's not even worth the money. So I'll leave that to you guys for now.", "Now I'll move on to the best brokered CD at 5.3% from Bank of California. It seems ridiculous to", "even show this next to the 6.02% from Old Point, but hey, it's still a good comparison for all of", "you to see. And lastly, we have the no penalty CD at 4.92% from MPH Bank that is also on Raisin.", "Alright, let's keep this rolling with the best one year CD from Evergreen Bank at 5.35%. But", "technically, it's a 13 month CD.", "Now, this is a very steep deposit in order to hit this rate. And me personally, I don't really", "love it when banks offer these promotional CDs at these odd time intervals because most CDs are set", "to auto roll back into another CD at a lower rate once they mature. And when it's an odd month like", "this, it's pretty easy to miss your grace period for cashing it in at maturity. And then it's", "rolled in and you're stuck at a lower rate. So kind of keep that in mind. Moving on to the best", "brokered CD. It happened to be from Bank of California. It's a 10,000 dollar CD. And it's", "from Goldman Sachs at 4.9% with a minimum deposit of $100. And for a brokered CD, this is unusually", "low for a deposit because the minimum is typically around $1,000. On Fidelity, they now offer", "fractional shares, but the site doesn't easily inform you of this. You can see that the quantity", "field states that a one is equal to $1,000, but the price lists 100. So you can enter 0.1 and it", "will sell it to you for exactly $100. I just want to bring it up. So you can see that the price list", "is pretty good. And now for the no penalty CD at 4.9% with FVC Bank from Raisin. This no penalty CD", "is at such a high rate that I'm shocked because it's providing the best liquidity for a guaranteed", "rate. Now moving on to the best two-year regular CD, which is at 5.05% from Itabel Bank, which is", "also listed on Raisin, where the minimum deposit once again is only $1. This is one where it's such", "a good rate at the two-year mark. It's a good rate to be able to get a good deal. And it's a good", "that I'm not really certain how long it's going to be there. So just be warned in advance. And now", "for the best brokered CD, it happens to be from First Foundation at 4.9%. And it's offered as a", "fractional CD at $100. I need to take a quick pause and point out that in my prior videos on CDs,", "the yield curve had been horribly inverted, where the long-term CDs had extremely low rates. And as", "you're starting to see from these two-year CDs, that the yield curve is now beginning to flatten", "out. Now I'm going to reel it back in and I'm going to go to the three-year regular,", "CD from Popular Direct at 4.6%. But the deposit is at a whopping $10,000. This is definitely a", "product for a very particular person. But as I mentioned at the beginning, it was requested to", "show the rates much further out. And that's exactly what I'm doing. And I need to state", "that from this point on, I really couldn't find any more penalty CDs. And most of the brokered", "CDs were not call protected. So I'm not going to list them if they aren't. With that said,", "I'm going to move on to the four-year mark where I have GTE Financial at 4.85%,", "with only a $500 deposit. And this one surprises me for a very different reason, because it has a", "better rate than the three-year CD. And honestly, I have not seen that happen in over a year.", "I also want to share that the GTE Financial also has a jumbo CD option at the four-year,", "with a rate of 5.12% if you have a minimum deposit of $100,000. This also happens to be one of the", "best jumbo rates that I've seen in over a year. Now onto the five-year CD from Popular Direct at", "4.53%, with their $100,000 deposit. And I'm going to go ahead and show you the five-year deposit", "typically the rates at the five-year mark for the past year haven't even been available. And if they", "are, they're only at around 2%. And now I'll move on to the best 10-year CD offering that I could", "possibly find. And it is from Discover Bank at 3.8%. This one seemed like it was completely out", "of left field for me because Discover is a big name brand. And it was one of the only ones I could", "find at the 10-year mark that was above 1.5%. And I'm going to go ahead and show you the five-year", "CD offering that I could find at the 10-year mark. And it was one of the only ones I could find at", "the 10-year mark. And it was one of the only ones I could find at the 10-year mark. In my opinion,", "they're a great company with very strong financials to support themselves. And it's one of the only", "big name banks on this list today. Along with this, I was also surprised to find a brokered CD with", "call protection from Farmers Merchant Bank via Fidelity at 3.9% with a minimum of $1,000. As you", "can tell, I try to listen to your comments the best I can. And I've tried my best to track down", "the best CD rates starting from three months, going out all the way to 10 years. I hope you", "got some value out of today's video and thanks for watching." ]

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[ "and today has built a 453 crore revenue generating business with 160 retail outlets.", "I'm talking about Raghunandan Kamath, the founder of Naturals Ice Creams.", "Naturals Ice Creams is rated as one of the most trusted brands in the country today", "and he started from scratch and for 40 years has maintained consistency in quality", "and consistency in the experience for his customers.", "And when asked what is the secret sauce behind that consistency at such a big scale,", "he said that as a child when he used to go back home in the evenings,", "he had no source of entertainment.", "He had no television or mobile phone in his era.", "So the only thing he would do is he would observe the cooking methods his mother would use", "and he uses the same cooking methods in preparing the fruit-based ice creams today", "which makes Naturals stand out in terms of the quality and the taste that they provide." ]

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[ "I like debit cards because they don't allow for the acquisition of debt.", "But when you add in 1% cashback on top of paying for things in cash,", "I feel like I don't do that as well as the French do it.", "So today we're looking at a debit card that's been around for a hot minute.", "Let's discover what this debit card has under its hood.", "Puns.", "Hello there, I'm Caleb.", "If this is your first time here and you want to learn more about rewards debit cards,", "then start now by hitting the subscribe button so you don't miss out on anything.", "Where most of the debit cards that I review are from small online banks,", "Discover is more of a traditional bank even though it's still entirely online.", "It doesn't have any crazy benefits attached to it like lottery tickets earned from purchases", "or fully customizable cards.", "But I'll tell you right now, it's one of my favorites because of all the practical features", "and benefits that it provides.", "Let's get into the pros.", "First and most significant is that the Discover Cashback debit card provides 1%", "back on all purchases up to $3,000 per month.", "I've actually had this account since before Bailey and I were married,", "but we really didn't have a lot of money.", "through it.", "But back when I first got it, it still had cash back, but it was a straight $0.10 per transaction.", "Sure, it was a little bit, but it was basically only $3 to $5 back per month if you were using it", "on a regular basis.", "Now that it's 1%, it actually gets you a little bit further every month.", "You can also enroll in an automatic redemption program, which at the end of the month,", "it basically just takes whatever cash back you have and deposits it in your account.", "Pretty much like interest in a savings account.", "If you've been on my channel for very long, you know that I hate fees.", "Which is why I'm doing this video today.", "This account and debit card has absolutely no fees at all.", "You get 1% back and there aren't any monthly or annual fees associated with it.", "When you're trying to be financially savvy, no fees are an absolute necessity.", "And Discover has you covered.", "Number three, it's easy to pay others and get paid through it.", "For one, you get free checks with this account, which we use all the time.", "And I don't like paying for checks like we have to through our Chase account.", "When you run out, just order more and they'll be delivered straight to your house for free.", "Second, it's easy to pay others through Zelle.", "I think that's how you pronounce it.", "Zelle is an easy and safe way to pay others for anything", "from a night out to babysitting to hitting the like button for the YouTube algorithm.", "I can't actually pay you for that, but I'd really appreciate it anyways.", "So Zelle is hooked up straight to the account,", "which makes it really simple for paying others without transferring paper Benjamins.", "When it comes to getting paid, it's just as simple to get paid through Zelle.", "While many small online banks don't have the ability to mobile deposit checks, Discover does.", "So no need to leave your house when you get the check for winning", "the biggest pumpkin competition at your local fall festival.", "Number four, you can connect your account to a Discover high yield savings account.", "A lot of debit cards that I've reviewed here,", "only have checking accounts available,", "but I love that you can have a high yield savings account through Discover as well.", "It's helpful when you have direct deposit set up with your checking account,", "but then are still able to transfer cash into your savings instantly.", "And at the time of this filming, the interest rate is 0.4% APY,", "which is among the highest among any banks that I've seen recently.", "That's why we have our emergency fund with Discover.", "We put all the savings for our house in this account", "and we're able to gain quite a bit of interest from it.", "And number five, here's a short list of great benefits", "that are also provided through the debit card", "and the checking account.", "One, you have access to 60,000 ATMs nationwide that you can use for free.", "Two, if your card is lost or stolen,", "you can freeze it straight from your app so it can't be used.", "Three, they have 24 seven customer service available", "so you can get your questions answered anytime.", "Four, you can enroll in free bill pay so you can set up your monthly bills", "and just have them taken care of straight from your Discover account.", "Now, before we get into some cons, we got to thank our sponsor, Vacuum.", "You see our old windows allow some stink bugs to get in,", "so we use this stock to remove them from the premises.", "Let me tell you what,", "there is a rager of a stink bug party in there right now,", "so thank you Vacuum for your service.", "While we're talking about things that suck,", "let's talk about the cons of this debit card and account.", "Number one, the cashback is limited to $3,000 in purchases every month.", "So if you spend $4,000 in October,", "you'll only get back 1% of the first $3,000 that you spend.", "$3,000 will probably be fine for most people, at least I hope,", "but there are on occasion times where you're gonna spend more than $3,000 in a month", "and it's nice to have that benefit, especially when you're going on vacation.", "Like when we bought our shed recently,", "we would have only gotten back $30,000.", "If we had used this card.", "Number two, this account is through Discover", "and they're gonna market their credit card to you nonstop.", "And as people who are trying to destroy debt and avoid it entirely,", "we don't want that.", "So the fact that you can easily get a credit card", "and acquire debt through Discover makes me uneasy.", "If you wonder how they can provide 1% back on purchases with no fees attached,", "it's because people don't pay off their credit cards every month.", "By getting you to start with the debit card,", "it's much more likely they'll make their money back from you through credit card interest.", "So you have to be very careful and cautious if you get this account.", "I really do like the Discover cashback account", "because of its price.", "It's practical tools, it's cashback, and it's a lack of fees.", "Overall, I'd recommend it to anyone who wants a simple banking experience", "with the caveats and cons I mentioned.", "Having said that, let me know if this is a debit card that would work for you.", "If you found this video valuable,", "then give it a like because it really helped my channel.", "I'm serious, it really does help my channel.", "And I'd be honored if you subscribed as well", "so you can stay up to date on debit cards and how to control your finances.", "Remember, money doesn't have to be confusing.", "You can control it.", "If you want to check out my latest video,", "then check out this video up here.", "And if you want to see my playlist about rewards debit cards,", "then check out this link down here.", "I'll see you in the next video." ]

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[ "हाली में मुझे ये message आया saying कि अगर मैं अपना pan update नहीं करूँगा", "तो मेरा net banking suspend हो जाएगा", "ये message आया था HDFC bank से और मेरी वहाँ account भी है तो मैं डर गया", "तो जब आप इस link पर tap करते हो क्या होता है", "आपको एक बहुत original दिखने वाली website दिखती है आपके ही bank की", "और वहाँ बोला होता है कि आप simply अपने net banking details डाल के pan update कर दो", "और फिर आपको चिंता लेनी ही कोई जरूरत नहीं", "लेकिन जैसे ही आप ये करोगे आपके net banking का access उस बंदे को मिल जाएगा", "और फिर आपको भी पता है क्या होने वाला है", "प्लीज ये जान लीजे कि आपको कोई इंसान phone या message से नहीं बताएगा", "कि आपने ये नहीं किया तो आपकी bank suspend हो जाएगी", "bank account suspend होने के लिए proper procedure follow करनी पड़ती है", "तो scam से सावधान रहिए और इस वीडियो को अपने दोस्तों के साथ और family group पे share कीजे", "और ऐसे वीडियो के लिए subscribe कीजे" ]

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[ "card, which is an unsecured credit card for people with pretty limited credit history,", "generally around a 580 FICO score or above. So this card is very basic, doesn't offer any rewards,", "but that's okay because it's designed for somebody that wants to build credit over time,", "not somebody that wants to rack up a bunch of points or miles. So in this video, we'll cover", "the main things you need to know about this card, but we do have a full review on our website. So", "it's going to be a quicker video, but if you have any further questions, check out our full review.", "If you're watching on YouTube, I will link that in the video description below.", "All right, so let's start off with the fact that this card has a $0 annual fee,", "so it's not costing you anything to keep it in your wallet. And it also comes with $0 fraud", "liability. And what that means is that if somebody steals your credit card, or maybe they write down", "the card number and they use it without your authorization, essentially, if there are any", "fraudulent charges, they're going to be fined $0. So if you're looking for a credit card,", "if you find those and report those in a timely manner, you won't be out any money with this card.", "And that's why a lot of people say it's safer actually to spend with a credit card than a", "debit card. That's part of the reason that it generally is safer to spend with a credit card", "versus a debit card. Now, on top of that, in addition to $0 fraud liability, the card does", "not charge any foreign transaction fees. So I'm not sure that's totally relevant to this card,", "but if you do find yourself outside the U.S.,", "you can use this card normally, just like you would inside the U.S., and you don't incur,", "you know, a 3% foreign transaction fee in the process. Now, one thing you want to be mindful", "of, particularly if you have a limited credit history, is the credit limit on your new credit", "card. Now with this card, you're likely to have a smaller credit limit to start, but you can be", "automatically considered for a credit limit increase after six on-time monthly payments.", "And what's nice about that,", "is that if you can get a higher credit limit, you want it for a couple of reasons. One reason is", "having a higher credit limit provides you more of a buffer, more cushion. So it means that on a", "day-to-day basis, you're less likely to approach your credit limit or even try to exceed it.", "On top of that, your credit limit can impact your credit score, not directly,", "but through something that's called credit utilization. And credit utilization,", "or your credit utilization rate, is the current balance on the card,", "and it's divided by your credit limit on the card. So just mathematically, if you want a lower", "utilization rate, which you do, that will be a positive sign for your credit score.", "If you have a higher credit limit, it makes it easier to keep your utilization rate lower.", "So if you can be considered for a credit limit increase, if you can get it,", "you want to get it for a couple of different reasons, not the least of which is credit", "utilization is a major impact on your credit score. And speaking of your credit score, Capital One", "also provides you free access to see your credit score and to see how it progresses over time.", "And that's through CreditWise, through their mobile app, and on their site. My wife actually", "has a Capital One credit card, and she does use the CreditWise feature to keep tabs on her credit", "score. So I think it's really nice with this card because, you know, a big reason you're getting it", "is to build credit over time, and they provide you the tools to make sure you're on track.", "But that's about it for the credit card. Like I said, it is a very basic credit card. I think", "it's a great card to use for your credit score. And if you're looking for a credit score,", "great option, though, if you have limited credit history and you're looking for a place to start.", "You should definitely check out our full review, though. There's a lot more to learn about the card.", "Thanks for watching the video. Have a great day.", "Bye." ]

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[ "पर उरूपर सुकेरते होंगे आप इसलिए दो रैपोर्स को ड्रूप करने से निस्कपात सूर्व निकलान देंगे", "इसका जीतन्य來了 तो उस वीडियो को बड़ा है, शुरू करें और सुनाते हैं", "सुपस्याहा मेद और सुलभाव जाना है", "है और यहां पर आपको मिलेगा यहां पर नीचे तरह चलना है Fs एक टर्स को मिलेगा ऐप मेनेजमेंट जहां पर", "भी आपके हेयर पोत्तें वह चले जाना है उसके बाद यहां पर आपको डालना है फॉन पह तो चलिए insephones करना हूं", "मुझे भी यह problem आ रही थी मैंने इसी तरीके से solve किया है", "जैसी कि मैं आपको दिखा देता हूँ मैं अपने phone pay पर click करता हूँ", "और बिल्कुल easily तरीके से मैं यहाँ पर अपना bank balance चेक कर पा रहा हूँ", "यहाँ पर आप देख सकते हैं मैं check bank balance पर click करूँगा", "यहाँ पर मैं यह देखो कहेगा तो ओके मैं कर दूँगा", "यहाँ पर मैं check balance पर click करूँगा", "यहाँ पर मैं कोई भी bank balance चेक करूँगा", "easily तरीके से हो जैसी कि आप अभी देख सकते हैं मैंने अपना m-pay डाल दिया है", "और यहाँ पर इस तरीके से यह देख पा रहा है", "तो आपको सबसे पहले अपने फान पर क्लियर डाल करना पड़ेगा तब यह problem solve होगी", "बरना नहीं होगी आपको फिर से login होना पड़ेगा", "और फिर से वहाँ पर वेरिफाई आ जाएगा करने के लिए वेरिफाई आपको कर लेना होगा कोई problem नहीं है ठीक है", "आपको एक चीज़ ध्यान रखनी है आपका उसमें जो SIM है जो भी बैंक एड है वो SIM पर recharge होना जरूरी है ठीक है तब आपको यह करना है" ]

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[ "जी हाँ दोस्तों ये मुहावरा तो आपने सुनाई होगा", "वक्त निकल जाने के बाद अपसोस करने का क्या फाइदा", "नमस्कार मैं हूँ सुगंद एंगेन मनी डॉट कॉम के इस हिंदी यूट्यूब चानल पे आपका बहुत बहुत स्वागत है", "आज का ये वीडियो बहुती जरूरी है", "कि गूगल पे यूपी आई फ्रॉट से कैसे बचना चाहिए", "चलिए दोस्तों इस वीडियो की शुरुवात एक कहानी से करती हूँ", "ये कहानी मेरी खुद की दोस्त डॉलफिन की है", "जो मेरी बड़ी ही करीबी मित्र है", "एक दिन मैं और डॉलफिन कैब में जा रहे थे और तभी डॉलफिन को एक कॉल आया", "उनके फोन पर कॉल आया उस व्यक्ति का जो OLX पे उनका बेचा हुआ डाइनिंग टेबल खरीदना चाहता था", "डॉलफिन के फादर ने OLX पे एक डाइनिंग टेबल की लिस्टिंग डाली थी और उस व्यक्ति का फोन इसी बारे में था", "उस व्यक्ति ने डॉलफिन से कहा कि मैं आपका डाइनिंग टेबल जो है वो खरीदने में इंटरस्टिड हूँ और इसके लिए मैं आपको अभी 5000 रुपे एडवांस ट्रांसफर करना चाहता हूँ", "डॉलफिन बहुत खुश हो गई कि वाह मेरा डाइनिंग टेबल तो काफी जल्दी बिग गया है तो डॉलफिन फोन पे ही बात कर रही थी और फोन पे बात करते करते ही उस व्यक्ति ने कहा कि मैं आपको एडवांस पेमिंट कर रहा हूँ आपको एक रिक्वेस्ट आएगी", "आप अपना पिन डाल दीजियेगा यूपी आई पिन और जैसे ही आप अपना पिन डालेंगी आपको पांच हजार रुपे मिल जाएंगे मैं आपको बता दूं कि डॉलफिन एक बहुत ही स्मार्ट इंप्लूएंसर मॉडल एक्टर है और वो इतनी इंटेलिजेंट है कि आ", "पांच हजार रुपे आने की बजाए पांच हजार रुपे उनके अकाउंट से कट गए ऐसा क्यों हुआ अब मैं आपको समझाती हूं दोस्तों जब भी आपको कोई पैसे भेजना चाहता है तो कभी भी आपके यूपी आई पिन की जरूरत नहीं होती है ये बात गठा ली", "लीजिए अगर कोई आपको पैसे भेजना चाहता है आपके अकाउंट में पैसे डालना चाहता है तो आपका UPI पिन कभी भी नहीं लगेगा जब आप किसी को कोई पेमिंट करना चाहते हैं किसी ओनलाइन शॉपिंग की पेमिंट या फिर कोई आपने टिकेट बुक करी है उस", "डॉल्फिन ने फोन पर बात करते करते ही अपना एक मेसेज रीड किया जो उनके फोन पर आया था कि पांच हजार रुपे आपके अकाउंट से डेबिट हो चुके हैं उस वक्त पर उसने उस स्ट्रेंजर से कहा कि पांच हजार तो कट गए हैं तो उस इंसान की हिम्मत दे�", "कि अगर आप एक और बार पिन डाल कर मुझे 2000 ट्रांसवर कर देंगी तो मैं पूरे 7000 आपको रिफंड कर दूँगा मैं ये पूरी कॉन्वर्सेशन सुन रही थी जैसे ही मैंने डॉल्फिन के मुझे ये सुना कि उनके अकाउंट से 5000 कट गए हैं मैंने उनसे कहा डॉल्फ", "तक है बहुत बड़े UPI फ्रॉड की जो आपके साथ हो सकता है डॉल्फिन तो सिर्फ 5000 रुपे गवा कर बच गई क्योंकि उन्होंने ये सारे स्टेप्स लिए लेकिन दोस्तो एक और कहानी है एक ऐसे व्यक्ति की जिनोंने यूपी में अपने अकाउंट से गवा दिये प�", "साफधानी से तो पहला पॉइंट जो आज मैंने आपको बताया उसे ध्यान में रखें जब भी कोई आपको पैसे भेजना चाता है तो आपका यूपी आई पिन उन्हें कभी मत दें अगर आप किसी को पेमिंट करना चाते हैं तब आप अपना यूपी आई पिन अपने आ�", "अप में डालकर message read करके पेमिंट करें जी हाँ अप जब आपको कोई message भेजता है तो उसे ध्यान से पढ़ें कि कौन आपसे money request कर रहा है आपसे कोई money request कर रहा है या फिर आपको किसी ने पैसे भेजे है और एक बात बता दूं गूगल पे application में एक बहुत अच्छी चीज है", "अभी कुछ दिन पहले मैं अपनी Delhi के लिए tickets book कर रही थी और मैंने एक airline की website पे tickets जो है वो book करी और amount जो है वो general amount से काफी जादा था क्योंकि tickets महंगी थी", "तो याद रखिए Google Pay आप जो है उस पे जो आपको warnings आती हैं जो messages आते हैं जो request messages आते हैं उन्हें ध्यान से पढ़िये दोस्तों एक दूसरा तरीका है जिससे UPI fraud होते हैं और वो इस तरह से कि लोग आपके mobile का remote access आपसे मांगते हैं अब ये remote access क्या होता है सरल शब्दों में सम", "नी की खराबी आ जाती है तो आप से जो है team आपके laptop का remote access मांगती है कि वो अपने ही laptop से आपके laptop को access कर सकें और उस तुरुटी को ठीक कर सकें बिल्कुल इसी तरह कुछ लोग आपको customer care executive बन के call करते हैं और कहते हैं कि अगर आप हमें अपने mobile का remote access देंगे तो हम आपकी problem solve", "कर देंगे याद रखियेगा दोस्तो अपने mobile का remote access किसी को भी न दें तीसरा तरीका जिस तरीके से UPI fraud किये जाते हैं वो मैं आपको बताती हूँ काफी बार लोग आपको phone करके आपके bank details मांगते हैं और कहते हैं कि pin या password देने की कोई ज़रूरत नहीं हम तो सिर्फ आपके", "bank account का detail और IFC code मांग रहे हैं क्योंकि हम आपको पैसे भेजना चाते हैं तो ये जो fraudsters होते हैं ये पहली call में आपके bank details लेते हैं फिर दूसरी call में ये आपसे कहते हैं कि आपको एक message आया होगा उसे आप इस number पे forward कीजिए आप जब उस message को forward करते हैं तो OTP भी उनके पास चल", "बच सकते हैं वो ये है कि जब आप अपने mobile phone में पहली बार Google Pay डाउनलोड कर रहे हैं तब आप उसे Play Store से डाउनलोड करते वक्त ध्यान दे कि किसी भी fake app को आप डाउनलोड नहीं कर रहे हैं जी हाँ Google Pay नाम के ही बहुत सारे fake apps भी हैं अब आपको कैसे पता चलेगा कि original कौ", "और जो fake apps होते हैं वो उसी नाम के मिलते जुलते नाम के app होते हैं लेकिन उनके बहुत कम downloads होते हैं तो अगर आप Play Store से डाउनलोड कर रहे हैं Google Pay का app तो सिर्फ original app ही डाउनलोड करें वरना fraud होने का डर हो सकता है", "अच्छा एक और बात जब आप Google Pay या फिर कोई भी और UPI का app डाउनलोड कर रहे हैं तो installation खुद ही करें कितनी बार हम कह देते हैं अपने दोस्त से या अपने रिष्टेदार से कि यार मेरे फोन पे Google Pay डाउनलोड कर दे खुदी password भी डाल दे खुदी सब setting कर दे ऐसा नहीं", "पिंस खुद set कीजिए ताकि कभी भी कोई fraud जो है वो ना हो पाए एक और चीज दोस्तों ये उधारन भी मैं आपको कहानी से देती हूँ एक बार एक व्यक्ति ने Google से एक restaurant का number निकाला और उसके बाद उन्होंने उन्हें call किया क्या आपका restaurant खुला है तो उस number पे मौझू�", "एडवांस जो है वो हमें Google पे करना पड़ेगा तो restaurant वाले ने इस व्यक्ति से मांगा advanced amount इस व्यक्ति ने advanced amount पे करने के लिए जो है Google पे खोला और वो तब भी restaurant वाले के साथ phone पर ही थे उस restaurant वाले ने कहा कि मैं आपको बता रहा हूँ आप ये amount enter कीजे और साथ में ये जो है", "आप pin enter कीजे और आप जो है payment कर दीजे actually में ये एक fraudster था क्योंकि ये number इस व्यक्ति ने Google से निकाला था ये किसी restaurant वाले का number नहीं था ये एक fraudster का number था इस fraudster ने इस व्यक्ति के Google पे UPI account से 50,000 रुपे निकाल लिये और इस तरह से उनके साथ fraud हुआ अब ये fraud क्यों हुआ स�", "सबसे पहली बात अगर आप किसी भी website का, किसी भी restaurant का, किसी भी चीज का number चाहते हैं तो उसे Google पे ना ढूंडे उनकी website पे जाके ढूंडे जी हाँ Google पे जाके पहले website का नाम ढूंडे और उस website से contact number निकाल कर किसी को भी contact करें", "दूसरी चीज अगर आप किसी को पैसे भेजना चाहते हैं तो आप पहले जिस phone पे बात कर रहे हैं उस phone को काटें वो व्यक्ति आप से पैसे request करेगा एक message आएगा जहां amount भी लिखा होगा जब आपको लगे कि हाँ ये ठीक amount है और तभी आप अपने पैसे जो है वो भेजे", "आप mobile number द्वारा चुन सकते हैं कि आप किस को कितने पैसे भेजना चाहते हैं तो google पे application यूज करते वक्त कुछ चीजों का ध्यान रखें एक तो अपना UPI pin जो है वो किसी से भी share ना करें दूसरा कहीं से भी आया हुआ कोई SMS दूसरे number पे forward ना करें तीसरा अपने app को अपन", "अगर दूरभागेवश आपके साथ fraud हो ही गया है तो आपको सबसे पहले screenshots लेने हैं उन सारे amounts के जो आपके account से चले गए हैं आपको screenshots लेने हैं अपने app के उसके बाद आपको जो है RBI में complaint करनी है जी हाँ RBI अब आपको ये सुविधा देता है कि आप अपने साथ हुए fraud की", "complaint कर सकते हैं लेकिन उससे भी पहले आप अपने pin जो है उने बदल दें अपने password को बदल दें अपने bank account को block करें अपने cards को block करें और इस तरहां से आप और ज़ादा fraud होने से बच पाएंगे आप NPCI cyber crime को भी report कर सकते हैं अपने frauds तो दोस्तों ये वीडियो हम आपके लिए स", "like करें share करें comment करें और हाँ अगर आप और भी ज़ादा financial knowledge चाते हैं अपने finance के ग्यान को बढ़ाना चाते हैं तो indianmoney.com का financial freedom app download कीजिए ये 100% safe app है 5 million से भी ज़ादा इसके downloads हैं actually मैं इसे एक app नहीं कहना चाहिए ये एक university है जहां एक बार subscription लेने के बाद आप हजारो course कर सक", "करते हैं जैसे की personal finance जैसे की अपना कुछ का business कैसे शुरू करें stocks में कैसे invest करें तो देर किस बात की फटा फट से indianmoney.com का financial freedom app download करें आत्म निर्भर बनें this is your host sugandh signing off" ]

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[ "कौन सी गलती मुझे भी बताओ मेरे बास भी बैंक अकॉंट है", "बैंक रिलेटेड मैसेजेज को ओपley करनी की गलती", "क्या मतलब खुलके बताओ यार बैंक से related messages सब चेक करते हैं", "देखो अभी हाल ही में फिल्म एक्टर अपताब सिद्धेसानी को एक message आया", "कि अपने बैंक का KYC details update करो नहीं तो account close हो जाएगा", "और उसी message में एक link था KYC update करने का", "तो उन्होंने जल्दबाजी में instruction follow करके सारी details दे दी", "फिर क्या हुआ?", "होना क्या था उनके पैसे गए", "ओ शिट लेकिन इससे बचना कैसे है?", "पहला तो Phenom को follow करो और दूसरा कभी भी इस तरीके का message आये", "तो अपनी बैंक की official website पर जाके चेक करो कि ये message real है नहीं", "और तीसरा किसी भी random website पे अपनी आधार details और KYC को update मत करो" ]

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[ "can you transfer it I am going to explain in short let's not waste any time I am using", "Google over here and in Google you can search for Axis Bank internet banking so once you", "search it you will get a link and the website is AxisBank.com so you have to select that", "particular link in order to you know login into your net banking now on the next page", "you have to select login option and here you can login by 3 steps one is using your", "login ID or customer ID next one is by using your debit card number and the last one is", "using your mpin so you can choose any option to complete the login process I am going to", "go with mpin once you enter the details click on login option and now you can see we are", "on the home page of Axis Net Banking before going ahead make sure that you have added", "a beneficiary or a payee account in Axis Bank.", "in net banking also. So that is compulsory because you can select a particular payee and", "then you can transfer the money. Now to transfer the money all you have to do is you have to scroll", "down. So once you scroll down you can see you get a quick transfer option. So you can easily", "transfer money using this particular option over here. You have to enter the amount and then", "which payee you want to send money to. You can select that over here and click on payee option.", "You can transfer up to 2 lakhs using quick transfer option. But if you scroll down you will get fund", "transfer option. You can select that option and on the next page you can see you get an option of", "add payee. So you can add your new payee from here as well. In order to search for currently added payee", "you can just click on this search option over here and you can search the name. In my case I am", "searching it.", "After searching the name you can tap that particular person's name and you can see we are on the next", "page where all the account details are there and we have to complete the steps in order to transfer", "the money. So guys once you scroll down you have to enter the amount how much amount you want to", "transfer and from which account you want the amount to be debited. You have to select all these options.", "If you want to enter any message while transaction you can do it. Now this is one time payment or", "recurring payment you can select that option over here. You can select the date. Also if you scroll", "down a bit you can select the amount which you want to transfer. So you can select the amount which you", "want to transfer. You can select the mode of payment if you want to do IMPS payment which is instant", "payment you can select IMPS. Now there are charges for that but if you want to transfer the amount without", "paying any charges you can select any FT over here which might take some hours to transfer the amount", "or also you can do RTGS. So that depends on you by which mode of payment you want to do the payment.", "So I will fill up all the details very quickly and I will show you. Guys I have entered the amount over", "here. I have selected the account. I have entered test in Rimaco message because I am doing this for", "testing purpose.", "Scroll down. I have selected IMPS as the mode of payment. After selecting each and everything you have to click on", "proceed option. On the next page you can already see that I have received an OTP. You have to enter the OTP", "here in order to complete the transaction. Now you can check all the details over here. Now currently you can", "see charges is zero because I think amount is less which is why it is showing zero. You can check the", "amount and all over here. If I scroll down enter the OTP. After entering the OTP click on submit option to", "complete the transaction.", "Guys now you can see we have received a successful message. You can check out the reference number. Money has been", "transferred successfully. You can check all the details related to this particular transaction over here. If you scroll", "down you even get an option to download this particular transaction details. So guys these are the simple steps you", "have to follow in order to transfer money in AxisNet Banking. If you like this video hit that like button. Subscribe to my", "channel for more videos like this. I will see you all in the next one. Thank you.", "Subtitles by the Amara.org community" ]

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[ "बल थोड़ा परिशानी वाली बात तो है, बल आप अपना पैसा वापस कैसे पासकते हैं? आए जानें", "बल इंडिया में 71% लोग UPI यूज़ करते हैं, चाहे वो फोन पे हो, गुगल पे हो, पेटियम", "अगर आपका पैसा UPI से किसी और के पास चला गया है, तो उसको पाने के तीन तरीके हैं", "तब से पहला किसी भी क्वेरी और कम्प्लेइन के लिए आप UPI के टोल फ्री नंबर पर कॉल कर सकते हैं", "और दूसरा, www.npci पर अपनी कम्प्लेइन रेजिस्टर करके", "प्रस्तुत्र पर पाने के लिए आपका पैसा UPI से किसी और के टोल फ्री नंबर पर कॉल कर सकते हैं" ]

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[ "That's awesome, bro!", "Just ensure that you have an excellent credit score so you get very low interest rates.", "That's the problem, bro.", "I don't have a credit card and I'm too scared to get one.", "Is there like an easier way?", "I wish there was, man.", "But you do this instead, no?", "Get a credit card against the fixed deposit.", "What's the benefit of that?", "So if you miss your payment, the bank will use the fixed deposit to recover it.", "So you can never default and the credit score always keeps increasing.", "Also, FD is anyway growing at only 5%.", "So it's better to pay from that rather than paying the 40% credit card interest rate.", "Bro, how do you know all of this?", "You have to form a man, bro.", "Finance with Sharon." ]

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[ "Let's settle the debate.", "Debit cards take money straight from your bank account, where credit cards let you borrow", "the bank's money and then you pay it off later.", "And sadly, if you don't pay off the credit card in full every month, then you'll be loaded", "with really expensive debt.", "But using the bank's money does come with perks, the biggest being fraud protection.", "Someone can steal from your bank account with a debit card, but a credit card would simply", "let you reverse any transaction that you don't authorize.", "A credit card also builds your credit score, which can save you tens of thousands of dollars", "when buying things like a car or house.", "So as long as you're using it responsibly, always use a credit card." ]

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[ "What is a HELOC? Is HELOC a good way to consolidate your high interest rate debt", "like credit cards and personal loans? Is HELOC a good tool to renovate your home,", "fund your retirement, or pay for living expenses?", "Am I going to use HELOC for my financial independence journey?", "Let me first briefly explain what a HELOC is.", "A HELOC is essentially allowing homeowners to use their homes", "as collateral to tap into the equity of their homes.", "How much you can borrow depends entirely on the value of your home.", "If you have equity in your home, HELOC is the way to withdraw funds over an extended period of time", "without ever selling a home.", "You can even get a HELOC for your investment property,", "but it comes with stricter lender requirements and higher interest rates.", "And make sure you don't confuse a home equity loan with a HELOC.", "A home equity loan is when you borrow the full lump sum you're approved for", "all at once from the equity of your home,", "and you need to pay back both principal and interest within 5-30 years.", "Most lenders will let you borrow up to 80 or 85% of your home's equity.", "So if your home is worth $400,000 and you owe $300,000, then your equity is $100,000, right?", "Then the lender might let you borrow up to $80,000 or $85,000,", "and you can use that money to pay back your loan.", "A HELOC, on the other hand, is a revolving credit line,", "so you can take a portion of the equity out of the home value", "and make interest-only payments during the draw period,", "typically between 5 and 10 years.", "You will need to repay the interest every single month.", "And once your draw period expires after 5 or 10 years,", "or whatever the agreement is between you and the lender,", "your HELOC transitions into the repayment period.", "and your monthly payments will no longer be interest-only payments,", "but will include both principal and interest.", "And if you have a zero balance on your HELOC by the time you enter the repayment period,", "your account will typically close automatically.", "And however, if you do have a balance on your HELOC,", "it's important to keep track of your draw period", "so you can be ready to repay the principal and interest during the repayment period.", "And that's the most important thing.", "while the repayment period lasts anywhere between 10 and 20 years.", "Now, let me give you some examples of a HELOC.", "If I'm looking to apply for a HELOC,", "I want to ask or look for answers to the following questions.", "Does this HELOC offer a fixed rate option on an outstanding balance during the repayment period,", "or is it just a variable rate?", "Or is there a cap on the interest rate?", "Being able to fix the rate going into the repayment period", "could help you save some money on your loan.", "Can you convert some or all of the variable rate HELOC to a fixed rate loan without a fee?", "What is the initial draw amount?", "Is there a minimum draw amount?", "Do you get a discount on the interest rate with the lender if you open other products", "like a checking or savings account?", "I know some banks do.", "How long is the draw period?", "And what are the options for the repayment period?", "It's typically a 5, 10, or 20-year repayment term.", "What is the maximum line of credit the lender allows you to have?", "Remember that HELOC is like a credit card.", "So you need to know what the annual fee is during both the draw and repayment periods.", "Some banks waive the initial annual fees.", "What are the closing costs, if any?", "What are the penalties if you decide to close your HELOC early?", "Do you have the option to refinance?", "Before I get into some more examples,", "don't forget that you can get our financial independence resources for free", "by visiting FiresideChat.com contact.", "You can also check out the FiresideChat shop,", "if you're looking to start your own YouTube channel.", "And I have all of my equipment at FiresideChat.com shopping.", "So let's say I have a house that's worth $400,000", "and I use my home as collateral to open a HELOC,", "but only up to 50% of my home's value minus what I owe on my mortgage.", "And I'll just say I owe $200,000 on my mortgage to make it easier.", "With $200,000 in equity in my home,", "50% of that equity will be $100,000.", "I'm going to keep the loan to value right.", "I'll just put in the ratio to 50% to make things easier here.", "My line of credit will be $100,000 with a 7 or 8% variable interest rate.", "Assuming my credit score is in the excellent category at 760 or higher,", "and due to the current federal funds target rate of 3% in 2022,", "or I think it's 4% actually, I'm sorry.", "The typical term comes with 10 years for the draw period", "followed by 20 years of the repayment period.", "If I decide to make an initial withdrawal of $10,000", "and an account opening,", "I would probably owe anywhere around $100 or $120 a month", "in interest payments for 10 years during the draw period,", "which also includes the annual fee for my HELOC.", "Again, keep in mind that the $100 a month in payment is not fixed,", "so the payment could fluctuate based on the prime rate.", "What you also need to keep in mind before opening a HELOC", "is that you need to treat this like your credit card.", "When you carry a balance month over month,", "you're going to owe interest on it.", "HELOCs are generally variable rate products,", "so that means your interest rates could fluctuate based on the prime rate.", "So the interest rates in 2022, for example,", "have been increasing due to the strict monetary policy by the Federal Reserve.", "And during the draw period, your HELOC will follow the prime rate.", "And it could be 5% today, 6% next month, or even 7% next year.", "So you could be paying more or less in interest month over month,", "depending on the Fed,", "but the general rule of thumb is the Federal Funds target rate plus 3%.", "So if the Fed Funds rate is 3%,", "then the prime rate will be around 6% or even 7%.", "Now let's talk about the pros and cons of getting a HELOC.", "And you have to keep in mind that how you use your HELOC", "can have both positive and negative effects on your credit score.", "If you have a HELOC, you should always make your payments on time, period.", "And this concept applies to all other types of loans or debts or even your bills.", "First, you can withdraw your funds with a high credit limit", "while making interest-only payments during the draw period for typically 10 years.", "You can withdraw money to pay down high interest debts or debts that are in collection.", "You have to keep in mind that a HELOC should not be your ultimate escape plan from debt", "because you're essentially using your other debt to pay off your debt.", "Your ultimate goal should be staying debt-free to achieve your financial independence.", "However, if you have outstanding credit card debt, medical bills,", "or payday loans, you should be very careful with how much you're willing to leverage your house", "to pay off these other debts.", "If you have $20,000 in outstanding debt, you should only take out that amount", "and have the ability to pay it off within a year or two, hopefully a year.", "Second, you only make payments on interest during the draw period.", "However, you have to keep an eye on the Fed because the interest rates are variable.", "If you already have a HELOC and you're close to going into the repayment period,", "contact your lender to find out if you have the Fed interest rates.", "Before you take money out of your HELOC, you need to have the plan to pay the balance in full.", "You should never bite more than you can chew.", "Third, while it's nice to make interest-only payments during the draw period,", "you need to be ready for the repayment period if you plan to have an outstanding balance.", "If I have, let's say, $100,000 in the outstanding balance on my HELOC", "going into the repayment period with an 8% variable interest rate,", "my monthly payment could be $800,000.", "Or $900 a month.", "And that could be devastating if I'm in a lower-income household.", "Anytime you take out a loan or withdraw funds from your HELOC,", "you should never feel comfortable with it.", "You need to have the plan to pay down the debt.", "Fourth, every HELOC comes with annual maintenance fees,", "transaction fees, and other management expenses.", "That's how banks make their profits.", "You would still need to pay fees for inactivity if you go too long without withdrawing any money.", "On top of that, some lenders even charge you for closing your HELOC too quickly after opening it.", "They may charge your closing costs because when you close the account,", "they're losing their profits.", "What happens if you miss your payments?", "Your lender could foreclose on your house to repay the debt", "because they basically own your house now.", "What happens if your home value goes down by 10, 20, or 30%?", "Your lender could freeze or reduce your credit line if your property value drops.", "That's already happening in 2022 and most likely going into 2023.", "Again, you have to remember that you are leveraging your house to borrow more money.", "Am I ever going to need a HELOC to renovate my home or fund my retirement?", "Absolutely not.", "People on the FIRE journey don't leverage their homes to pay for something they want.", "The only line of credit I would even consider using is the Security Space Lines of Credit", "or SBLOC.", "Or S-Block.", "Which leverages my investment portfolio when my net worth is $5 million or $10 million or more.", "That's more of a tax-saving strategy that many multi-millionaires and billionaires use.", "You can watch this video about the SBLOC and I'll put the link in the description below.", "I use my FIRE checklist to invest for my long-term retirement, early retirement, travel, entertainment, and home renovation.", "Nowhere on the FIRE checklist does it say I'm using my HELOC to fund my early retirement", "or build generational wealth.", "I have been debt-free since 2016, except for my mortgage.", "I plan to keep it that way for the rest of my life.", "I never took out a HELOC to pay down my debt.", "As a financial coach, I have comprehensive tools and strategies that can help you pay down debt without taking out any additional debt.", "If you need help with your personal finances, you can schedule a free 1-on-1 20-minute financial coaching session by visiting FIRE.com.coaching.", "If you want to know more about how I invest, I have a free 1-on-1 20-minute financial coaching session by visiting FIRE.com.coaching.", "I found FIRE not easy but it's a smart tool!", "It works for you.", "Actually already", "It's super cheap!", "Now it's too expensive." ]

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[ "Around 1 lakh per month.", "How, man? We both make 1.5 lakhs per month.", "But I'm only able to save 50,000 rupees per month.", "Ha ha! I think you're falling into the margin of safety trap.", "What's that?", "I'll tell you.", "So how much money do you realistically need per month?", "Around 50,000 per month.", "So then why don't you invest the remaining 1 lakh?", "Bro, bro, some extra 50,000 I have to keep in my bank account, bro.", "Otherwise some sudden expenses will come, I won't have any money.", "For example, last month I had to purchase this crazy night lamp projector.", "Which makes my room look like outer space. I'll show you later.", "Don't you see what's happening? It's economics 101.", "Supply of money creates demand.", "So what should I do then?", "So just keep a margin of safety of 10% every month.", "So in your case it's around 5,000 rupees extra.", "And invest the remaining 95,000 rupees at the beginning of the month itself.", "Also have an emergency fund which covers 3-6 months of your monthly expenses.", "Bro, but night lamp?", "Okay bro, show me what this is.", "This is psych bro, this is like some chick magnet only dude.", "Hey, stop rolling." ]

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

[ "credit card. So in today's video, I want to share with you guys the entire signup process,", "my credit score and income at the time of applying, where they pull from, the credit", "limit I was approved for, an unboxing of the credit card, and much more. I won't be doing", "a full review of the card today since I've already made a full review on the channel,", "but if you guys are interested in learning more about this credit card, feel free to watch this", "video next. For those who aren't familiar, the Discover It Cashback card is a credit card", "offered by Discover. Discover is a full-service online bank as well as a payment service company", "that offers a variety of credit cards, banking, and loan options. Personally, I have a bank account", "with them for my rental property and so far I love it, but today's video is on their Discover", "It Cashback card so let's take a look at what it offers. For starters, this credit card is a no", "annual fee credit card with no foreign transaction fees that offers great cashback options in my", "opinion. For those who aren't familiar with the Discover It Cashback card, the Discover It Cashback", "they're currently offering 5% cashback on everyday purchases at different categories like Amazon,", "grocery stores, restaurants, gas stations, and when you pay using PayPal on up to a $1,500", "maximum each quarter. Plus 1% cashback on all other purchases which is nothing crazy. Other", "credit cards offer more in this category. So the main value in this card is obviously in its 5%", "categories. Now these 5% categories change yearly which is something I really like about the card", "because you'll always find a year-long credit card that's worth more than the other 5% categories.", "So you have an idea, for 2022 the 5% categories per quarter are 5% cashback on groceries,", "fitness clubs, and gym memberships, 5% at gas stations and Target, 5% at restaurants and PayPal,", "and the current one is 5% at Amazon and digital wallets. Since the holidays are right around the", "corner, I'm planning on going ham with this credit card buying all the gifts I need through Amazon or", "using digital wallets. That way I'm able to earn 5% cashback on all the gifts I need through Amazon", "or using digital wallets. So I'm going to be spending $1,500 on all my purchases.", "To give you an idea, if I spend up to the $1,500 maximum, I would get $75 cashback for purchases", "I was planning on making anyways which is really cool. Now no, I don't plan on spending $1,500 on", "Amazon, but between Amazon purchases and using the card through digital wallets like my Apple wallet,", "it will help me hit that spending cap very fast before the end of the year.", "So this is one of the reasons why I applied for this card. The second reason is that this credit", "card offers so many ways to earn cashback quarterly that I feel like the card will", "never be useful as I mentioned earlier. I truly believe that everyone can find a reason to use", "this card whether that's for groceries, gas, shopping, or anything else due to the variety of", "5% categories offered by the card. On top of cashback, the card also offers an extremely unique", "unlimited signup bonus where Discover will match all the cashback you've earned at the end of your", "first year with this credit card. So if you earn $500 in your first year, they'll match that and", "give you another $500 for free and so on. Plus the card offers zero intro APR for 15 months on", "purchases and balance transfers, which is a great tool if you need to buy something expensive and", "pay for it little by little or if you want to transfer your balance to this credit card and", "pay no interest for up to 15 months. Not only that, but for a limited time, if you sign up for", "this card using my referral link, you'll receive a $50 statement credit after making a purchase", "within three months of account opening. Which is a nice plus for those interested in getting the", "card anyways and it's one of the best ways to help support the channel as well. You can find", "the signup link and the link to a full review of this credit card down in the description. Now,", "the reason why I got this credit card is because of the signup bonus and because I wanted to", "increase my overall credit limit as well. I mean, one of the easiest ways to increase your credit", "limit is by applying for new cards that you plan on getting anyways, so getting this card was just", "a no-brainer for me. Now, my credit score at the time of applying for the card was 768 and they", "only pulled from Experian, so only one hard pull on one bureau was done, which was pretty nice.", "The signup process for the card was also very simple. Instead of instantly applying for the", "card, I went ahead and I checked to see what Discover credit card was offering and I found that", "I could get pre-approved for it since Discover allows you to get pre-approved with no harm to your", "credit score. Once I filled out this form, I was immediately pre-approved for two Discover cards,", "but I obviously chose to discover a cashback card, which was the one that I wanted. It then took me", "to this page where I could choose the card design that I wanted and I went ahead and I chose gold", "because I've never had a gold colored credit card before, so why not? After that, I had to fill out", "some more information, accept the terms and conditions, and submit my full application.", "They then approved me for the credit card with a ten thousand dollar credit limit,", "which was pretty high in my opinion, so I was very happy. Now for reference, the annual income", "I put in the application was higher than 60k but lower than 100k and I don't have much debt other", "than small credit card balances with a total utilization of 2%. I also bank with Discover and", "I have a good relationship so far with them, like I mentioned earlier, so that might also be a reason", "why I was approved for the card and the limit that I got approved for on top of my income and credit", "score being high and whatnot. My partner also got approved for this card recently with a 775 credit", "score, a similar income, and 1% total utilization for an 8,000 dollar credit limit on this credit", "card. So I hope this info is useful. Now another thing that I want to mention is that you can get", "a credit limit increase with only a soft pull with this credit card. So if you apply for it and you", "don't get a high credit limit right off the start, you can use the card responsibly for a couple", "months, say three to six months, and then ask for a credit limit increase without it affecting your", "credit score. I've seen people go from a 500 credit limit to over 26k with this credit card", "in the first year by asking for increases or automatically receiving increases from Discover.", "So this is another reason why I got this card because I mean I love being able to increase my", "card's credit limit with no impact to my credit score. It's honestly one of the easiest way to", "increase your overall credit limit and lower your utilization at the same time. Lastly, here's what", "the Discover It Cashback card looks like. Like I mentioned before, I got the gold design and it", "comes with an orange rim around the side of the card which looks very nice. The card is also", "plastic, not a metal credit card, although I wish that it was. I'm not sure if this card is made of", "credit card information. Overall, the card has a very minimalistic and cool design. So there you", "have it peeps, I would love to hear how you guys feel about the Discover It Cashback credit card,", "if you have it, plan on getting it, your credit limit, or anything else you'd like to share,", "so please comment down below and let me know. And if you made it this far into the video,", "comment the word Discover so I know who my real besties are. Also, if you guys are interested in", "signing up for this credit card or any other credit cards with huge signup bonuses and if", "you want to earn some extra money, please do so by clicking the link in the description box below.", "Lastly, please be careful with the scammers in the comment section. I don't have any backup", "accounts and I'll never ask you guys for any information or money, so stay safe peeps.", "I love you guys, don't forget to share, like, subscribe, and turn on those post notifications", "that way you never miss out on any future uploads. And if you liked this video, make sure to watch", "this other one next where I do a full review of the Discover It Cashback credit card. Okay, bye now.", "heh heh heh you", "you" ]

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[ "और आज इसको अपना घर बेचना पर रहा है", "क्योंकि मा हॉस्पिटल में है और इसका bank account हो चुका है खाली", "बट ये Google Pay के वज़े से नहीं हुआ", "bank account link करने के बाद कुछ साबदानी बरतना बहुत ज़्यादा ज़रूरी है", "इधर तुम्हें मिल जागा बहुत सारे apps का list", "जिनको actually तुमने delete कर दिया है", "इनका access remove करने के लिए किसी भी एक app को select करो", "और इधर से delete all connections पर tap करके इसको confirm कर दो", "बस हो गया", "बहुत ही useful रिल है तो जरूर शेयर करना इस वीडियो को", "दूआ मिलेंगे" ]

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[ "जिसके According हर बैंक ने अपने Debit Card में 4 New Safety Features एड़ किये हैं", "ये Safety Features एनेबल करने के लिए आपको अपनी Net Banking लॉगइन करनी पड़ेगी जहांपर ये 4 ओप्शन्स आपको मिल जाएंगे", "First Feature है ATM Withdrawal Limit", "इस Feature से आप अपने Debit Card पर ATM से Cash Withdrawal की लिमिट को सेट कर सकते हैं", "Second Feature है Online Pending Limit", "इस Feature से आप अपने Debit Card पर E-Commerce साइट्स पर की जाने वाली Online Payments की लिमिट सेट कर सकते हैं", "Third Feature है Card Swipe Limit", "इस Feature से आप अपने Debit Card पर होने वाले Swipe Transactions की लिमिट को सेट कर सकते हैं", "फोर्थ और लास्ट फीचर है contactless payment. इस फीचर से आप अपने debit card पर होने वाली contactless या pinless transactions की limit को सेट कर सकते हैं. अगर आपको ये वीडियो पसंद आया है तो please hit the like button and subscribe the channel for more such interesting finance content." ]

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[ "Capital One has got you covered because they offer one of the best solutions for rebuilding credit when it comes to a secured credit card.", "To summarize, the way the secured credit card by Capital One works is what you need to do is provide a refundable deposit.", "And so this deposit can be $49, $99 or $200.", "And ultimately, Capital One will let you know after you submit your application what the amount is designated for you to submit and create the deposit for.", "So based on your credit worthiness, ultimately, you might need to only do $49 and that will give you a $200 credit line.", "Or it can be $99 or it might just be the full amount, which is still not too bad.", "$200 in comparison to other secured credit cards where the minimum is usually $300.", "And that is a lot more extensive for some people.", "And that is a lot more extensive for some people who are on a budget and still are looking to build credit.", "There is no annual fee on the credit card itself.", "And the most important thing is that it provides one access to rebuilding credit or even establishing credit as a beginner.", "My first credit card was with Capital One.", "However, it was not the secured credit card.", "Had I known back then exactly how credit cards work and how beneficial the secured credit card was, I would have definitely taken up on that one.", "However, I did start with the Platinum credit card that Capital One offered.", "And it was really similar in a way, except it was an unsecured credit line, of course.", "I did not have to provide a deposit upfront.", "And it worked out well.", "And similar with this credit card, it is just a secured credit line.", "And honestly, I think psychologically, secured credit cards are even better because it kind of makes you think about your spending habits.", "And understanding that you've provided a deposit upfront to begin building credit.", "And so if you don't pay this card back, then you will be out that money if you never pay it back.", "They're going to take your deposit.", "In fact, I know personally that the secured credit card with Capital One really helps establish credit because I have a friend who I recommended this credit card to almost a year ago.", "And almost a year later now, they have a 700 credit score.", "It's actually probably been like nine months at this point.", "And so you can see how impactful and how great it looks on one's credit history where you're able to go from no credit history to established credit history and a 700 credit score within less than a year with this secured credit card by Capital One.", "And now she is also pre-approved for one of Capital One's credit cards.", "And so she can always take up on that offer and increase her credit line.", "So again, for somebody who is looking to rebuild or even begin building credit, look no further.", "The Capital One does the job.", "It's not the fanciest.", "It does not give you the most cash back or any cash back for that matter.", "However, it helps you build credit, which is super important for things in the future.", "Whether it be moving out, getting your own lease for an apartment, buying a house down the road and all of these other important things that do require this credit history and making sure that it's at the best.", "Thank you so much for watching today's video.", "As always, it's been David.", "Peace and take care." ]

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[ "It asks if what we do today can be better tomorrow.", "Questions inspire.", "They dream.", "They dare to disrupt.", "The right question can create economic progress for all." ]

[ 0, 0, 1, 1, 1 ]

[ "ओके मैं अभी आपका card लॉग कर देती हूँ पर आपना थोड़ा alert रहा करिये", "हाँ alert तो मैं हूँ आप बस वो amount reimburse कर दीजिए", "sorry पर हम आपको कुछ reimburse नहीं करेंगे ये हमारी fault नहीं है", "आपको शाद RBI के इस rule के बारे में नहीं पता अगर हमारी credit card के साथ ऐसा कुछ भी हो जाता है", "और मैं bank को 3 दिन के अंदर inform कर देती हूँ तो उसकी पूरी liability bank की होगी", "और आपको वो पूरा amount reimburse करना होगा तो भी इसमें हमारी fault नहीं है इसलिए आपको कुछ reimbursement नहीं मिलेगा bank की तरफ से", "कोई बात नहीं मैं RBI की इस website पर जाकर complain कर देती हूँ", "अइ नहीं नहीं मैं process करवा देती हूँ वैसे आपको ये सब कैसे पता", "क्योंकि मैं CA Priti Kedia को follow करती हूँ Instagram पर आप भी कर लो" ]

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

[ "मैंने कोई ट्रांजेक्शन भी नहीं की पता नहीं वह सारे पैसे कहां चले गए जो यह तेरे बीस जार पर गए हैं यह", "तेरे को फोल्ड करवाइस करता हूं अगर आप लोगों के भी पैसे कभी ऐसी अननोन ट्रांजेक्शन में कहीं पर गए हैं तो", "आप लोग भी अपने बैंक से रिफरंड करवा सकते हैं पैसे अगर आप लोग तीन दिन के अंदर अंदर बैंक को इंफॉर्म कर देते", "आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आज आ�", "आज आज आज आज आज आज आज Penny" ]

[ 0, 0, 0, 0, 0 ]

[ "I've opened up 40 credit cards, so you won't have to.", "Just keep following for more credit card hacks.", "As a beginner, here are three things to consider when getting a card.", "One, it must not have an annual fee.", "Two, it must have some sort of cashback earning.", "And three, some sort of sign of bonus.", "The most important thing you do, pay on time and in full.", "So one day you can get cards like these.", "Three, the Chase Freedom family.", "$200 sign of bonus for both.", "This gives 5% cashback bonus on rotating quarterly categories.", "This gives 1.5% cashback everywhere.", "Two, the Discover It.", "This gives a 5% cashback category that rotates every quarter.", "And it doubles your cashback in the first year.", "So effectively, 10%.", "One, Capital One Quicksilver.", "$200 sign of bonus, 1.5% cashback everywhere.", "And no foreign transaction fee.", "I love it as one because it's probably one of the easier ones to get approved for in this entire list.", "If you're interested in any cards, tap the link in bio." ]

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

[ "the capacity of escaping taxes and fraud has to be undertaken.", "So today, no decision was taken, data was presented, many problems with the data in my view,", "but we will digest and we hopefully will have another meeting and come back.", "What does the center's data show? What's the shortfall like? What's the trend like?", "Well, basically the shortfall that they are looking at, by February next year,", "it appears from their projection, there'll be no appropriate money for compensation.", "Our own feeling is, if the leakage can be stopped, the fraud can be stopped,", "and point by point analysis of the kind of tax structure we've created can be understood,", "we can...", "We can handle this, but will the government of India have the will to do it, capacity to do it?", "We'll talk about that when the hearing is over, right now.", "Thank you Hello everybody and thank you, and also thank you to all my З такую", "Yes, everyone encore es And also, don't forget to say thanks", "Thank you alle" ]

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

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[ "Well, if you are, I've got just the account for you.", "My name's Jacob. Welcome to the channel. And today I'm going to be talking to you about Chase UK.", "Right, let's start with the T's and C's. If you want to become a member of Chase UK, then you need to be 18 years old.", "You need to live in the UK, be a tax resident in the UK, and you need to have a smartphone with a UK registered mobile number.", "Nice and easy. Now, as the title suggests, Chase offer a 3.8% easy access savings account with no strings attached.", "But first of all, you need to sign up for a current account with Chase to be able to get the savings account with Chase.", "So it's an easy sign up process. You can do it through the mobile app.", "And.", "All the usual details. And then once you have the current account, which will provide you with this card,", "that's when you can then sign up for the savings account as an additional extra.", "Now, to be able to access the savings account, you first need to sign up for a Chase current account.", "But this is no ordinary current account, which is one of the reasons why I would definitely recommend it.", "Firstly, it comes with 1% interest on any balance.", "Secondly, one of the best benefits, 1% cash back on everything you purchase up to a maximum of £15 cash back per month.", "Now, this used to be 1% cash back unlimited.", "But recently, I think as of last month, they've now capped the cash back at £15 a month.", "But that's still a reasonable amount. You can still spend £1500 a month and get cash back on everything you purchase.", "So this is a really solid benefit.", "Third benefit is you can also have an additional account with Chase that is a roundup account.", "And what a roundup account does is if you spend 80p, then it will round up your purchase to £1 and add an additional 20 pence into a savings account that it will then apply 5% interest to.", "Now, this may not sound like much, but if you round up every single purchase you make, it suddenly becomes quite a lot of money.", "And getting 5% interest on that money is a really good thing.", "So you can have pretty much as good as you can get anywhere.", "Fourth benefit of having a Chase Current account is one that I have personally benefited off quite a lot the last couple of years.", "It's no fees on international travel.", "And what I mean by that is you can use this card in any country worldwide and there are zero fees for using the card.", "This to me is a huge benefit as a lot of other cards will charge you at least 2%, 3%, 4% per transaction when you're abroad.", "Whereas Chase charges you zero.", "Fifth and final benefit of having a Chase Current account is what you came here for, the savings account.", "Now currently, as of June 27th, the savings account pays a rate of 3.3%.", "But as of the 3rd of July, they've just announced this will be going up to 3.8%.", "Now it is an easy access savings account.", "There is no strings attached.", "There is no maximum amount charged.", "There is no minimum amount you can put in there.", "There is no minimum amount you have to put in per month.", "There are no fees, no penalties for withdrawing.", "You can just put in as much money as you want and you can take out as much money as you want.", "This is for me why I think it is one of the best savings accounts on the market currently as it is truly easy access, no strings attached.", "And unlike most savings accounts, the interest is paid monthly.", "So on the first of every month, you get your interest.", "So you don't have to wait until the end of the year, like a full 12 month period.", "Chase, as soon as you put the money in, no matter what date in the month, the interest calculates daily.", "And on the first of the next month, you get your interest.", "Now one thing I really like about the Chase account is actually the card itself.", "As you can see, there are no numbers on this card, which I really like.", "No one can steal your details or anything like that.", "All your card details are stored in that card.", "You can also get the app itself on your phone.", "So you can get your account number, sort code, card number.", "All those details are stored safely just on your mobile phone.", "If you have any trouble with the app or just trouble with your banking in general, the customer service team are absolutely fantastic.", "It is 24-7 online customer service.", "You can just contact them through the mobile app itself just by instant messaging and they come back to you within 60 seconds to a couple of minutes.", "I've not heard of another app doing that as far as I'm aware.", "I've used Nationwide, Santander, Tesco.", "None of them provide that service.", "So I think Chase are really ahead of the game when it comes to customer service.", "So there we have it guys.", "If you want a current account with a huge list of benefits and a savings account that pays 3.8% per month and pays you on the first of every month, then get yourself signed up to Chase UK.", "If you enjoyed this video, please consider hitting the like button and the subscribe button.", "And leave a comment.", "Comment down below if you sign up to the Chase account.", "Let me know how you get on.", "Thanks for watching and I'll see you in the next one." ]

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[ "What are the other individual stocks that will be focused in today's trading session?", "Soumya Sharma is standing by with that list.", "Good morning, Soumya.", "Good morning, Sheryl.", "Well, to begin with, we have Allahabad Bank, Corporation Bank and Dhananjani Bank.", "Well, some sort of good news for these banks as the Board for Financial Supervision", "has taken these banks out of the PCA framework.", "In fact, Allahabad Bank and Corporation Bank have received capital infusion", "of 6,896 crores and 9,086 crores respectively from the government.", "Well, as far as Dhananjani Bank is concerned, the Board has taken this decision", "on the fact that the bank is not breaching any risk thresholds of the PCA framework.", "But at the same time, it is subject to certain conditions and, of course, continuous monitoring.", "Well, JSW Steel is another stock in focus.", "Well, Lian on 3.9 million promoter shares is released on Feb 25.", "Well, this is wonderful.", "Well, this is what we are gathering from the agencies.", "Well, in Max India, the Board has approved the divestment of entire 51% stake", "in Max Bupa Health Insurance to True North Fund in an all-cash transaction.", "Well, it will be receiving 510 crores from True North and valuing Max Bupa", "at an enterprise value of 1,001 crores.", "Well, this entire transaction is expected, this entire stake is expected to be completed in FY20.", "Well, Time Technoplast and Comcast.", "Well, the two companies are in focus on their partner link for promoting and introducing", "composite cylinders under the brand name Go Gas Elite.", "Well, GMR Infra is back in focus.", "Well, it has emerged as the highest bidder for Greenfield Airport at Bhogampuram in Andhra", "Pradesh.", "Well, the initial capacity of the Phase 1 airport is expected to be 6 million passengers", "per annum and the initial investment is at 2,300 crore rupees.", "Well, finally, Sanofi India, the result update from that company for Q4 calendar year 18,", "the revenues jumped by 8.4% to 726 rupees and PAT was up by 4.3% on a year-on-year basis.", "The Board, apart from this, recommended a final dividend of 66 per share to its shareholders.", "These are some of the stocks to focus for today.", "Now, over to you.", "Thanks, Soumya, for that.", "We will definitely keep our eyes out on all of these names in trade today." ]

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[ "Card. In this quick overview, we'll share the 5 things you really need to know about", "the Chase Inc. Business Unlimited Card. First, Chase Inc. Business Unlimited usually", "offers a nice initial rewards bonus for spending a certain amount in the first few months your", "account is open. Second, Chase Inc. Unlimited is true to its name when it comes to ongoing", "rewards, giving unlimited cash back on all purchases. Third, Inc. Business Unlimited", "does not charge an annual fee, so there's no pressure to use the card enough just to", "break even.", "When redeemed, the cash back rewards you earn are pure earnings for your company.", "Fourth, Inc. Business Unlimited offers an introductory APR, which is helpful with cash", "flow management and those large ticket purchases you might have planned for the year. But it's", "best to pay the bill in full every month when the card's regular APR is in effect.", "Fifth and finally, you need at least good credit to qualify for the Chase Inc. Business", "Unlimited Card, which probably won't come as a surprise. The surprising thing is that", "your personal credit standing may matter a lot more than your company's credit when", "it comes to getting approved for a business credit card. That's true with small business", "cards from all major issuers, by the way, not just Chase.", "That's the short story, but you can stick with me for even more info. For example, if", "Unlimited compares to the other Chase credit cards. Besides the Inc. Business Unlimited", "card, there's the Inc. Business Cash Card and the Inc. Business Preferred card.", "Preferred is the way to go for business owners who want to get the most out of their rewards", "when they redeem for travel. Choosing between Inc. Unlimited and Cash is tougher because", "both offer cash back rewards. The biggest difference between the two is that Unlimited", "gives cash back at a flat rate on all purchases, while Inc. Cash varies the rate based on what", "you buy.", "Which one you pick really comes down to personal preference and how well the Inc. Cash Card's", "bonus categories complement your company's spending patterns.", "Another thing you might be contemplating is cards for your employees. Chase Inc. Unlimited", "offers employee cards at no extra cost. You also get to set a custom spending limit on", "each one and track their purchases through your Chase.com account. Plus, all the rewards", "employee cardholders earn go right back to the business.", "Moving on, rewards credit card applicants are always interested in their options for", "redeeming what they earn.", "Well, with the Inc. Unlimited card, you can redeem for cash back via statement credit", "or bank account deposit, gift cards, travel, and more all through Chase Ultimate Rewards.", "Best of all, your cash back rewards are free. You can redeem for cash back via statement", "credit or bank account deposit.", "or use them as you earn them.", "And speaking of travel, is Chase Inc. Unlimited any good for it?", "It sure is. Chase Inc. Unlimited is accepted all over the world. The downside when it comes", "to international travel is that Inc. Unlimited charges a foreign transaction fee. If you're", "looking for a card that doesn't charge foreign transaction fees, check out Inc. Business Preferred.", "Yes, it does. Inc. Business Unlimited has great ratings from WalletHub's editors and users", "alike.", "So, with all of that, you should have all you need to make an informed decision about", "Chase Inc. Business Unlimited. But to learn more, you can head to this button right here.", "And that's it for this video. If you have any questions or other questions, feel free" ]

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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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[ "सच में?", "I mean मैं लूटलो बैंक से बात कर रही हूँ", "लूटो के तो आप", "आप अपने क्रेड़ कार्ड के लिमिट बनाना जाते हैं?", "हाँ लेकिन मैं कैसे मानूं की आप बैंक से बोल रहे हूँ?", "सर, आप ये नमबर अपने credit card के पीछे लेके वो number से चेक कर लीजे।", "तो ऐसा ही एक impossible लगने वाला scam हमारे एक subscriber धीरज ने अमारे साथ share किया,", "जो RBL bank के customers हैं।", "तो जब भी हमारे पास bank का कोई message आता है जिसमें OTP होता है,", "तो उसमें end में लिखा होता है, शुरू में लिखा होता है,", "do not share with anyone, लिकिन वो bank का करमचारी ही,", "अगर आपसे OTP मांगे तो, question ही उठता है कैसे verify करें bank का करमचारी है।", "तो इस particular case में उसने answer ये दिया,", "कि आप अपने credit card को पीछे गुमा के देख लीजे,", "वही helpline number आपको देखेगा, जिससे मैं आपको call कर रहा हूँ।", "अब मेरे समझ से ये बाहर है,", "कि bank के official number से कोई call करके,", "आपसे आपका card number, उसकी expiry date, उसका CVV, OTP क्यों मांगेगा।", "ये तो धीरच की समझदारी थी कि ये सारी जानकारी देने से पहले,", "उसने app में जाकर अपने card को deactivate कर दिया था।", "मैंने bank employees से भी पता कर लिया,", "कि card limit बढ़ाने या कोई भी official काम के लिए भी,", "ये सारी information bank के employees भी आपसे नहीं मांगते हैं।", "तो मेरी समझ से बाहर है, ये scam कैसे हुआ?", "आपके साथ भी अगर ऐसा कुछ हुआ है तो comment में बताओ।" ]

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[ "It's a peer-to-peer payment transfer system, and you might not know it, but it's likely already connected to your online bank account.", "And it's supposed to make your life easier, but does Zelle make it easier for crooks to steal your money?", "And is it your bank's responsibility to get your money back if the crooks do get away with it?", "Our consumer investigator Shannon Began has been working for months now uncovering this type of fraud,", "and she is continuing to push federal lawmakers to do more to protect your money.", "Stacey Keith, if a crook steals your credit card number and leaves you with unauthorized charges, you are protected.", "And under federal law, you get your money back.", "So why is that not the case when the crook uses Zelle?", "Scott Schaefer says he caught the crook in the act.", "He saw a pending transfer, somebody stealing his money through Zelle.", "I'm looking at my account, and all of a sudden money is being transferred to someone.", "I have no idea who they are.", "He recalls his frustration when he alerted his bank, Chase.", "Two hours later, after drop calls, folks giving scripted questions, scripted answers, and so forth,", "they say, well, they'll look into it.", "And that's it.", "And you head into the weekend, you've lost almost $5,000.", "The crooks didn't stop there, even after Scott moved his money to a second Chase account that he thought was safe.", "So you asked the bank to not put Zelle on the second account.", "Correct.", "And it was put on anyway, and your money was taken.", "That is correct.", "Combined, Scott lost nearly $9,000.", "This story is playing out all over the Tampa Bay area and across the country.", "Crooks either hack into consumers' devices or trick them into unknowingly sending them money through Zelle.", "Once the money is gone, it's nearly impossible to get it back.", "Scott says Chase denied his claim and told him his transactions appear to come from his computer.", "He disputed.", "He disputes that, saying he did not initiate the transfer.", "Why do you put money in a bank to keep it safe?", "That's the one job they have.", "Keep your money safe.", "They didn't do it.", "For the first time, federal lawmakers are demanding answers from Zelle and questioning why Zelle's parent company,", "a group owned by seven large banks, including Chase, aren't doing more to protect consumers.", "Two senators recently wrote to Zelle's CEO, saying, quote,", "Your company and the banks have a clear responsibility to more aggressively protect consumers.", "That's a start.", "But I took this to Congressman Gus Bilirakis, ranking member of the Consumer Protection and Commerce Subcommittee.", "If you lose money and a scammer hacks into your credit card, you're protected but not Zelle.", "Should that change?", "I think there should be more protections.", "There's no question.", "But we need more teeth into the law because these scammers, they find a way.", "Meanwhile, Scott tells me, too, that the law is not the only way to protect consumers.", "He's working with an investigator at the Pinellas Park Police Department to get to the bottom of what happened to his money.", "If I let that go, that's basically saying, well, yeah, you know, I'm responsible for this, and I'm not.", "I reached out to Zelle's parent company, Early Warning Services, and I have not heard back.", "I reached out to Chase Bank and heard back this afternoon.", "And they are standing by the denial, saying that the transactions are consistent with how he used his accounts in the past.", "In the meantime, we'll be right back.", "The longtime Congressman Gus Bilirakis' office is also working to get answers for Scott,", "and they're trying to push for the legislative change that he discussed in the story.", "Well, kudos to this guy, Scott, for just not giving up and not letting it go.", "I mean, it's a lot of money, but he's pushing back, and he has to.", "People have to do that.", "What can we do to protect ourselves, though?", "Well, it's a very difficult situation here.", "There's two main types of ways that crooks do this, either a hack or by tricking you into paying them through Zelle.", "When it comes to tricks, you need to be very careful that you do not use Zelle.", "Unless you know who you are paying.", "When it comes to the hack, though, there may be very little you can do, and that's why these consumer protections are needed.", "That's frightening to think about.", "You know, all that digital transferring of money is frightening.", "All right, thank you.", "Good information.", "If you have a problem that needs solving, you better call Behnken.", "There's the telephone number, 1-855-BEHNKEN.", "Or you can reach her on Facebook at WFLA-Shannon." ]

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[ "OLX Quicker का स्कैम तो आपको पता होगा आप वहाँ पर कोई माल लिस्ट करते हो आपके पास एक बायर का कॉंटैक्ट होता है जनरली जो इंडियन आर्मी से होता है", "वो आपको बोलता है मैं पांच जारूपे आपको एडवांस भेज रहा हूँ उसके बाद आप सामान भेज देना और इसी एकसाइटमेंट में आप मनी भेजने की रिक्वेस्ट एकसेप्ट करके अपनी पिन डाल देते हो और पैसा आपकी बैंक आकाउंट से चला जाता है", "ये तो हो गया पुराना स्कैम, स्कैमर्स आप टार्गेट कर रहे हैं प्रोफेशनल्स और डिजनस ओनर्स को ऐसा ही किस्सा एलेले के एक जागरूप सब्सक्राइबर ने शेयर किया जो पेशे से आर्किटेक्ट हैं अभी नई निक प्रैक्टिक्स शुरू करी थी और वा�", "फैक्ट ये होल सेलर्स, ओटो डीलर्स को भी इसी टेक्नीक से टार्गेट कर रहे हैं बस इतना याद रखो कि कभी भी UPI से पैसा एक्सेप्ट करने के लिए अपने पिन डालना तो दूर एप खोलने की भी जरूरत नहीं है इस वीडियो को एक वाटसप ग्रूप पर शेयर", "करिए और उन्हें भी जाकरुप बनाईए" ]

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[ "जी हाँ, सही सुना आपने", "केस 1, अगर आप ATM से पैसे निकालने जाते हैं और आपके अकाउंट से पैसे डेबिट भी हो जाते हैं", "पर कैश नहीं निकलता है तो ऐसे में ट्रांसाक्शन के 5 दिन बाद तक आपका पैसा वापस आ जाना चाहिए", "पर अगर ऐसा नहीं होता है तो RBI के रूल्स के हिसाब से बैंक को आपको 6th day से हर दिन 100 रुपए के हिसाब से कॉंपेंसेट करना पड़ेगा", "अंटिल यू गेट दी मनी बैक केस टू अगर यूपीआ करते वक्त आपके बैंक अकाउंट से अमाउंट डेबिट हो जाता है पर बेनेफिसरी अकाउंट में क्रेडिट नहीं होता है तो ट्रांसाक्शन के एक दिन बाद तक आपका पैसा रिवर्स हो जाना चाहिए", "नहीं तो एसपर आर्बिया दी बैंक इस अकाउंटेबिल टू पे यू हंड्रेट रुपीस पर डे बियॉंटी प्लस पंटीज इस वीडियो का अपनी फैमिली और फ्रेंज ग्रुप में जादसे जादसे शेयर करें" ]

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[ "कि अ", "हेलो गाइज वेलकम लोग यूट्यूब चैनल और आज हम बात करने वाले हैं सेविंग अगांव के बारे में अगर", "मैं बैंकिंग पॉड़ अच्छी बात करूं तो सबसे जरूरी जो है वह से भी अगांव लोग सेविंग अगांव टो ओपन", "अकाउंट हम ओपन तो करवा ले बट कोई बेनिफिट इसका हमें मिलता नहीं तो आज हम बात करने वाले हैं एक", "ऐसे अकाउंट के बारे में अगर आप इस अकाउंट को यूज करोगे ना तो आप स्याबन थाउजन फाइव हंडर रूपीज तक का", "अगर आपके लिए वन ऑफ दी बेस्ट अकाउंट साबित हो सकता है तो चलिए चलते हैं हमारी वीडियो की तरफ", "उस से पहले", "चैनल पर फर्स्ट टाइम विजिट कर रहे हूं तो चैनल को सब्सक्राइब जरूर करना अच्छली आज हम जिस अकाउंट के बारे में बात करने वाले हैं वो अकाउंट लोच किया गया है डीसी बी बैंक की तरफ से डीसी बी बैंक की तरफ से अपना एक नेया सेविंग �", "अकाउंट लोच किया गया है जिसको नाम दिया गया है डीसी बी हैपी सेविंग अकाउंट अगर मैं इस अकाउंट की बात करूना तो इस अकाउंट में आपको सेवन थाउजन फाइव हड़ा रुपिस तक का कैश बैक मिल सकता है बट इस कैश बैक को अर्न करने के लिए �", "डीसी बी की करफ से कुछ term and conditions maintain की गई है आज इसी के बारे में बात करने वाले हैं अगर मैं इस अकाउंट की बात करूना तो इस अकाउंट में आपको UPI transactions पे भी कैश बैक मिलेगा और उसके इलावा अगर हम बात करें तो यहाँ पे चार categories रखी गई हैं 25,000, 50,000, 1,00,000 आ", "अगर आप अपने अकाउंट में maintain करते हो तो आप कोई भी transaction जो minimum 500 से above का हो उस पे cashback के लिए eligible हो आप यहाँ पे 25 transactions कर सकते हो UPI वाली जो cashback के लिए eligible है आपको per transaction पे जो amount मिलने वाला है वो 25 रूपीज मिलने वाला है अगर मैं यहाँ पे बात करूँ तो इस रिसाब पे आ", "आप हर month 625 रूपीज का cashback इस अकाउंट के जरिये earn कर सकते हो यानि कि आपको सिरफ अपनी transactions करनी है जो आप वैसे भी करते हो बट 2 लाख अगर maintain करोगे तबी यह possible है तबी आप इतना cashback earn कर सकोगे इससे कम cashback अगर आपको चाहिए तो आप यहाँ पे variance देख सकते हो उस variance क", "अकाउंट पे आप cashback earn कर सकते हो तो गाइज अगर आप भी जीसी भी अकाउंट ओपन करना चाहते हो तो description में लें कि आप वहाँ से ओपन करें happy saving अकाउंट आपको ओपन करना है तो I hope guys यही था हमारा latest video I hope कि आपको यह वीडियो अच्छा लगा होगा अगर यह वीडियो �", "अच्छा लगा इस वीडियो को एक like जरूर करना चैनल पे पहली बार आये हो तो चैनल को subscribe जरूर करना और अगर आपको हमसे किसी भी तरह की help की जरूरत है तो आप हमें हमारे social account पे message कर सकते हो हम आपकी हर एक problem का solution करने का try करेंगे लोगों से एक request और है कि अगर आप लो�", "टेलिग्राम जोइन नहीं किया तो जल्दी जल्दी टेलिग्राम जोइन कर ले सबसे पहले update टेलिग्राम पे मिलता है तो चलिए चलते हैं और मिलते हैं हमारी किसी next video" ]

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[ "He's been defamed. He's had wrap-up smears and fake news spread about him", "in an effort to disparage his presidency and prevent him from becoming president again.", "That is the exact opposite of what's happening to current Clark County Republican Chairman Jesse Law.", "Find out what Jesse has done to take the price of Vinco Ventures from $19.50 all the way down to $2", "while being board of directors of the company.", "Listen to Blood Money with Ven Miller tonight, 4 p.m. Pacific Standard Time.", "Myself, Matt Anthony, Shad Vick, and Chris Money Muntz, the two lead plaintiffs in the suit against Vinco.", "Do not conflate.", "Jesse Law and his malfeasance and Donald Trump and the harassment he's received by the media." ]

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[ "हेलो मैम ये लीजिए मेरे 2 लाख रुपया का लोन है", "कैंसल कर दीजिए मुझे अभी लोन की रिक्वायमेंट नहीं है", "लोन बंद करवाना है क्यों सर", "अभी इसी हफ़जे का आप लोन लेके गए हो सड़नली क्या हो गया", "और वैसे भी अगर अभी आप लोन बंद करवाते हो ना", "आपको 5% की पैनलिटी लगेगी", "फिर 2 लाख का 2.10 देना पड़ेगा मुझे नहीं पता", "5% की पैनलिटी वो किस बात की", "आप RBI की गाइडलेंज पढ़ते भी हो नहीं पढ़ते", "हाँ हाँ सब बिल्कुल RBI की गाइडलेंज पढ़ते हम लोग", "ए सोनू तूने पढ़ी थी क्या", "तो ना मैडम एक बार 8 सेप्टेंबर 2022 की जो RBI की गाइडलेंज नहीं है", "उसे जाके चेक करिये", "उसमें क्लियरली मेंशन किया है कि अगर मैं अपने लोन को", "कुलिंग आफ पीरियट के अंदर अंदर आके कैंसल कराता हूँ", "कोई भी चार्ज मुझे नहीं लग सकता है", "और क्योंकि मैंने अभी रीसेंटली लोन लिया है", "तो आप सिर्फ मुझे से प्रिंसिपल और बस जितने दिन मैंने लोन रखा है", "उसका इंटरेस चार्ज कर सकते हो और कोई भी पैनल्टी नहीं लगेगी" ]

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[ "अगर आपको भी इस तरीके से प्रॉब्लम आ रही है तो आपको इसको कैसे सॉल्व करना है आज मैं आपको इस वीडियो", "में यही बताऊंगा तो सबसे पहले आप यहां से कट करेंगे और यहां से आप सबसे पहले अपने गूगल पेसे बाहर", "में सबसे पहले में यह अगर आपको यहां से क्लिक करना और ही स्टॉप करना है और होगा या इस तरीके से मैंने कर", "दिया अब यहां पर आपको यह सब करने के बाद", "क्या करना है यहां से आपको विचल एन है यहां पर आपको फोन का जो सर्वर है वह आपको चेक करना है सही से आ रहा", "है कि नहीं और आए ठीक है तो कभी-कभी कह होता है इंटरनेट कैप लुट भाई आपको यह प्रॉब्लम करने के लिए", "अतियोगी ठीगे तो यहां पर आपको चेक करना है और उसके बाद आपको उन्हें फोन का जो पा� victory वाला", "बटन है उसे आपको दवाना है दबाने के बाद फॉर्म को सिर्फ करके ओन करना है वहीं देख दAST ठीक है", "रू� Pro और आपको मैं दिखाता हूं 90 फ्री से आ गया है अब यहां पर यह Google पर बना रहा है अब देखें", "कि कि मोड़ पर इन रूप में क्लिक करता हूं कि provciplesuddly ले ये करो सकते हैं जो मुझे नंबर को", "मैं पिंक बिल चिप में का था भू यूग भी एंच है ठीक है वहीं बन समय आईएट तो यहां पर", "दो रूप स्टर होगे ठीक है तो यह क्वाइड पर करूंगा और एक पर मैं अपना loan डालूंगा", "ताओ इस वीडियो में विदा जय हिंद" ]

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

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[ "एबिल टू पेज एम आईएस फॉर यह वो टो पॉइंट लाइन यह चौनी अच्छी ने प्रियोप्रूव लिमिट प्लस यू ओनली पे इंट्रेस्ट ऑन थे अमाउंट एंड एक्शन यूटलाइज और रिपेइमेंट का क्या सीन होगा यार आईएव होट इट इस डिफि", "डिफिनेटली है वरी पेमेंट फ्लेक्सिपिलिटी यू कैंड रिपे एस पर यह फिनांचियल कंडिशन आई होब आई डोंट है वह लोट पेपर वॉक फॉर ऑल विद इस सीट यूजिली टेक्स टाइम बट विद प्रिवो क्रेडिट लाइट इस चौस अफ टू टैप्", "प्रिवो क्लेव कोईंस एंड फॉल्वर्स फॉर मोर" ]

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[ "Right. Because then you lose the tax benefits.", "No benefit to being able to pay it off.", "You lose the tax benefits and you lose the liquidity.", "Now you would have to sell the home in order to get the money.", "So you just want to keep the HELOC going.", "This is the ultimate form of infinite banking because what it does is it says,", "this asset right here, I don't need to pay it off.", "I don't need to pay off the HELOC.", "I really don't because I want the money from it to be available to me at all times." ]

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[ "After that, you can see here, as I am going to do transaction with my Phone Pay App,", "then my transaction is being failed here.", "Below is written Payment Decline.", "As you can see here, below is also written Reason,", "because of which my payment is getting failed here.", "जो है हो जा रहा है तो जैसा कि देख सकते हैं यहां पर लिखा हुआ है यू है अलेडी रीच द मैक्सिमल नंबर आप यू", "पीए पेमेंट एलाउड इन वन डे फॉर परसन टू परसन ट्रांसपर्स ट्राइए गैन आफ्टर 24 हावर्स जैसा कि देख सकते हैं", "तो यहां पे लिखा हुआ है कि मेरी जो यूपी ट्रांज क्शन लिमिट है पर डे की वह यहां पर कंप्लीट हो चुकी है और", "अभी मैं यहां से कोई भी ट्रांजेक्शन जो यह नहीं कर सकता हूँ अगर मुझको यहां पर ट्रांजेक्शन जो है करना है तो", "अगले जो है 24 गंटे के बाद ही यहां पर कर पाऊंगा तो यह वाली जो दिक्कत है यह काफी सारे फोन पे यूजर्स को होती है जिसके वजह से लोग जो है परिशान हो जाते हैं और अपने फोन पे एप से अपना जो है ट्रांजेक्शन कम्प्लीट नहीं कर पाते हैं", "तो गाईस अगर आपके भी फोन पे एप में आपकी यूपी आई लिमिट जो है खतम हो चुकी है और आपको मनी ट्रांसपर करना जरूरी है आपको उस में से पैसा निकालना जरूरी है तो आज की वीडियो आप पूरी देख लेना आज की इस वीडियो में आपको बहुत ही �", "ट्रिक बताने वाला हूँ जिससे की आप बहुत ही आसानी से अपनी यूपी आई लिमिट जो है खतम होने की बाद भी अपने फोन पे एप से ट्रांजेक्शन जो है कमप्लीट कर पाओगे और अपना पैसा जो है ट्रांसपर कर पाओगे तो अगर आप करना चाते हो तो इ", "तो यहां से आपको एक काम करना है यहां से आप चाहे पेटियम मर्चन के कीवार को इसके स्किन कर लेना चाहेーミेल मर्चन के कीवार", "को यहां से आप स्किन कर लेना यहां यहां से इसके स्किन करना होगा अपना मनिजो ट्रांसपर करने के लिए यूप के लिमिट", "आतम होने के बाद भी तो इसको करने के लिए आप दोनों कि वह में से एक किवार को स्केन कर लेना अगर आपके पास", "पेटीएम मर्चेंड या फिर एटिएल मर्चेंड नहीं है तो आप इसको खुश से बना सकते हो इसके ऊपर हमने ऑलरी एक वीडियो", "जा रखी है इसका लिंक आपको इस वीडियो के डिस्क्रेप्शन में मिल जाएगा तो आप यहां से स्केन कर लेना मैंने", "यहां से पेटीएम मर्चेंड किवार को स्केन कर लिया है उसके बाद आपके सामने ऐसा पेटीएम हो जाएगा यहां पर आप", "एमाउन डाल देना जितनी भी पैसे आपको यहां से ट्रांसपर्ट करने हैं तो मैं यहां पर एमाउन डाल कर यहां", "पर प्रोसीट करता हूं तो यहां पर अपना यूपीआई पिन आप योर डाल देना उसके बाद आप लोग यहां पर देख सकते हो", "हमारा जो ट्रांजेक्शन है फोन पे अप से यहाँ पर कंप्लीट हो चुका है", "जैसा कि आप लोग यहाँ पर देख सकते हो यहाँ पर UPI लिमिट खतम होने के बाद भी", "हमारा जो ट्रांजेक्शन है यहाँ पर कंपलीट हो चुका है", "जैसा कि आप यहाँ पे लाइब देख सकते हो", "तो गएस ऐसे करके आप बहुती आसानी से", "अगर आपके फोन पे अप में", "कभी भी आपकी UPI लिमिट जो है खतम हो जाती है", "और आपको उस में से पैसा निकालना जरूरी है", "तो आप इसी तरह से निकाल सकते हो", "आप चाहो तो इसको ट्राइ कर सकते हो", "यह ट्रिक जो है 101% वर्क करेगी", "अगर आपको इस वीडियो पसंद आई हो", "तो प्लीज सेर वीडियो को लाइक करना", "ऐसी और वीडियो देखने के लिए चैनल को भी सब्सक्राइब कर लेना", "और अगर आपका मन करे", "तो आप हमारे टेलिग्राम चैनल को भी जोएन कर सकते हो", "मैं आपको वहाँ पे काफी सारे ओफर्स और अपडेट देता रहता हूँ", "तो चाहो तो जोएन कर सकते हो", "लिंक आपको डिस्केप्सन में मिल जाएगा", "यूनिक ओफर्स ट्रिक के नाम से हमारा टेलिग्राम चैनल भी है", "लिंक आपको डिस्केप्सन में मिली जाएगा", "फिलाल आज किस वीडियो में तिरा मिलते हैं", "अगली वीडियो में एक नए ट्रिक के साथ", "तब तक के लिए जय हिंद वन्दे मातरम", "लव यू और" ]

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[ "सबसे पहला आपको एक text message या phone call आएगा", "saying कि अगर आपने KYC नहीं करवाया तो आपका SIM बंद हो जाएगा", "या फिर आपके घरी electricity काट दी जाएगी", "सारी information एक official letter के थूँ आती है", "इसके लिए वीडियो को सेव करो और उनके साथ शेयर करो", "और हर रोज valuable content देखते रहें चैनल को सबस्क्राइब कीजे" ]

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[ "स्वागत है आप सबका एक नेट वीडियो में और आज साइबर फ्रॉड के बारे में कुछ बातें करेंगे साइबर फ्रॉड", "तेजी से बढ़ रहा है और यह नया मामला नहीं है पिछले 10 सालों से साइबर फ्रॉड हर दिन बढ़ रहा है तो", "साइबर फ्रॉड में होता क्या है बेसिकली जामताला सीरीज देखी होगी तो थोड़ा बहुत आप अवेयर होंगे इस चीज को", "लेकर के बट हम उसकी बातें नहीं करेंगे तो साइबर फ्रॉड में ज्यादातर नुकसान ऐसा होता है कि बैंक अकाउंट से", "और गलत तरीके से चैट किसी और फेसबुक के आईडी से करके स्कैम किया जा रहा है तो चाहे स्कैम जिस तरीके का भी", "हो ऑनलाइन हो रहा है आजकल ज्यादा स्कैम तो अगर आपके साथ भी स्कैम हो गया हो तो क्या करेंगे क्योंकि हफ्ते में लगभग", "एक दो दिन ऐसा होता ही होता है कि कोई ना कोई मेरे पास फोन करके कहता है कि मेरे अकाउंट से इतने", "पैसे कट गए अब क्या करें आगे का क्या प्रॉसेस है तो प्रॉसेस जो है वो RBI के गाइडलाइन के अकॉर्डिंग अगर आप", "फॉलो करेंगे तो ज्यादा चांसेस है कि पैसा आपको पूरा का पूरा वापस मिल जाए कई बार पैसा नहीं भी मिलता", "है ऐसा भी देखा गया है तो पूरा पैसा वापस लाने के लिए क्या कर सकते हैं सबसे पहले अगर आपको जैसे पता", "कि आपके अकाउंट से पैसा कट गया है दो दिन के अंदर इन फैक्ट आपको दो दिन का वेट नहीं करना है क्योंकि", "गाइडलाइन कहती है कि तीन दिन के अंदर आपको कम्प्लेन करना है तो आप इम्मीएटिटली बैंक से बात करें और", "बैंक से कहें कि मेरा इसमें कोई हाथ नहीं है और पैसा कट चुका है मेरे साथ फ्रॉड हो गया है तो बैंक उस", "आपके कम्प्लेइन को रेजिस्टर करेगा एक हेल्पलाइन नंबर भी है हेल्पलाइन नंबर नीचे आप देख पा रहे होंगे उस", "तो नंबर पर आपको कॉल करना है और कॉल करके सारी डिटेल्स आपको वहां देनी है आपके साथ जो भी हुआ उसके बाद", "एक टिकट जेनरेट होकर के आपको मिलेगा नंबर टिकट नंबर मिलेगा उसको नीचे दी गई वेबसाइट आप जो देख पा रहे हैं", "उस website पर जा करके उसको enter करना है यानि register करना है और आपकी अपनी detail डालनी है", "उसके बाद आपको 7-10 दिन का wait करना है उसके बाद पैसा आ जाएगा ये standard process है और मैंने भी आजमाया है", "जो portal में भरना कुछ होता है कुछ और डाल देते हैं क्योंकि कई सारी चीजें as a customer वो छुपा लेते हैं", "क्योंकि at the end of the day जब fraud आपके साथ होता है तो ज़्यादा तर टाइम गलती आपकी होती है", "है आपके अकाउंट से पैसा कटता है तो इस वजह से आपको मेक्चर करना है कि आप जो डीटेल बैंक को दे रहे हैं या फिर आप साइबर क्राइम वाले ब्रांच में जो दे रहे हैं वो एक्यूरेट होनी चाहिए तभी बैंक उस पर एक्शन ले सकता है या फिर पुलीस", "प्रोसेस से बच सकते हैं और पैसा भी बच सकता है यानि आपका फ्रॉड होगा ही नहीं तो कुछ चीजें बिल्कुल ध्यान में रखे", "हैं पर इसाम्पल टीपी आप किसी को न बताएं क्योंकि और टीपी केक्स कैम है साइड कि व्हाट्सीपी जनविन देखने में", "लगती है जनविन नंबर से आता है और आपको फोन आता है आप टीपी बता देते हैं कई बार ऐसा होता है कि सिम कार्ड के", "जाएगा तो वो भी PDF एक तरह से scam होता है क्योंकि जैसे आप open करते हैं और detail डालते हैं तो वो basically एक तरह का malware होता है जो आपकी detail को scammers के पास पहुचा देता है और scammers फिर आसानी से आपको fraud का शिकार बना सकते हैं तो एक छोटी मोटी बातों का ध्यान रख करके basically आप fraud से बच", "section में आकर के cyber fraud के हमारी एक series है आप उसको पढ़ सकते हैं वहाँ आपको पूरी detail से जानकारी मिलेगी और अगर फिर भी आपको ऐसा लगता है कि कुछ सवाल पूछना है या फिर किसी चीज से satisfied नहीं है मेरे बताये हुए information से तो आप comment में हमें जरूर बताएं वीडियो को like", "करें share करें और हमारे channel को subscribe करें thank you" ]

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[ "And I actually really liked the business idea,", "but the problem was that I got to a certain point where I was not able to scale.", "It literally got to a point where I had to almost buy an armored car service.", "They had to deliver the cash to me", "because they didn't want me going to the bank to pull out that much cash.", "So it got to a point where once I had hundreds of ATMs around the country,", "I was like, do I really want to scale that to the moon?", "Or would I rather do real estate where sky is literally the limit?", "Now, I'm a real estate guy at heart.", "And so one day I woke up and I walked away from the ATM company.", "And don't get me wrong, I made a lot of money.", "But the lesson for me was that I could go vertically integrate in the real estate world", "a whole heck of a lot better and faster and bigger than I could have in that industry." ]

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[ "The group of RIAs manipulated people to do trading.", "So these were registered with the SEBI and they did this.", "Even if you become an RIA, you cannot stop the miscreants from doing stuff like this.", "So I think this is not something that a regulator can solve for.", "This is something that a person needs to self-regulate themselves", "and the audience need to educate themselves and choose their information wisely.", "At the end of the day, the audience is responsible for investing their own money." ]

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[ "कुछ बेंक आपको lifetime free credit card दे जरूर देते हैं", "लेकिन 6-7 महिने बाद आपको credit card upgrade का option देते हैं", "और जब आप credit card upgrade करते हैं तो आपसे joining fees और annual fees दोनों वसूल ही जाएगी", "अगर आपको joining fees नहीं लगी तो annual fees तो लगेगी ही लगेगी", "card upgrade करने से पहले आप जरूर देखने आपका next card lifetime free है या नहीं", "ऐसे informative वीडियो देखने के लिए चैनल को subscribe करें" ]

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[ "I was joking about unboxing my credit card when they first originally announced this and now here I am", "actually unboxing a credit card. Definitely something that I never thought that I would be unboxing, but here we are. We're doing it.", "I already signed up on the app and I have used it for one transaction,", "but this is the actual titanium card. Laser etched name, a beautiful matte white, all metal card.", "Just what I never knew that I thought that I wanted or needed.", "Would you take a look at that?", "This looks like a really great gift card. A gift card that you have to pay back. In classic Apple fashion,", "they've got this little cutout Apple logo and when you open it up, you are greeted with your beautiful credit card and this wonderful", "gradient pattern", "which actually turns out to mean something. So these gradients actually are", "categories of things that you're purchasing. So the first thing that I purchased was at a grocery store.", "So my card is like this color right now in the Apple wallet. In the actual Apple wallet,", "this is the orange and that is my one purchase from Air One. Air One is so dangerous.", "It's kind of like Whole Foods or Target. When you go in there,", "you think you're gonna buy one thing and then you end up buying the whole freaking store.", "This is the most exciting thing. Activate your card.", "Wake your iPhone and hold here. You think I'd have a nice downward shot of this, but I don't.", "So go see somebody else's video because this is not gonna be as great. So let's activate my card.", "I'm gonna try to screen record this but I don't know if it's gonna work.", "It has already happened. Do you see that? This works so seamless with iOS. It's basically like you're pairing your AirPods.", "I don't ever want to take it out of here.", "I mean, I guess I can put it back in but I don't really know", "the point is of that. Come on, get out! Be my friend! Get in my wallet!", "This looks really good. There's the credit card.", "There's my full name. If you didn't know I have a last name. Shocking. I know.", "We've got our laser etched name here.", "You've got your chip reader for chip reader cards and you've got the Apple logo.", "And then on the back, you have the Goldman Sachs and MasterCard logo.", "And then you have your little stripe here for sliding. This looks really good.", "I just feel like it's gonna get a little bit dirty or scratched, especially when you're sliding it through different card readers.", "There is obviously more of an advantage when you do use the Apple wallet because you'll get 2% cash back.", "But if you use this, you'll get 1% cash back and you will get 3% cash back when you purchase things from the Apple store,", "which I definitely do quite frequently.", "Let's do a drop test!", "I can't get them to my table.", "Honestly, am I even gonna be able to fly with this? Like this feels like...", "It feels like a weapon. Could be a weapon. Anything could be a weapon, to be honest with you.", "Weapon.", "Let's go through the app a little bit more if you guys haven't seen this already.", "This definitely is something that is for Apple users.", "If you have an iPhone, this works so perfect with your phone.", "And what I love about it is because you actually do get the information of where you made your purchase.", "And the app just integrates so well with your phone.", "My Apple Card is ready to use. Get 2% daily cash on every purchase.", "Cash is added to your Apple Cash.", "One of the reasons that I was a little bit apprehensive of getting this is just because I was like,", "I honestly did not need another credit card.", "The way that I have things set up right now, it works very seamless with my company and then my personal credit cards.", "What I do like about this is I feel like this is something that I'm going to use for myself personally,", "not as Justine as a business.", "The cash back aspect is also kind of cool because you actually just get the cash right into your cash wallet.", "You actually get the cash back the next day.", "Like it goes right into your Apple Cash wallet, which is pretty awesome.", "A lot of times with a lot of credit cards, you have to submit the points.", "And then you have to redeem them.", "You can redeem them for cash, but then they give you a better deal if you redeem it for other things like flights or hotels or things like that.", "I wouldn't by any means say that I am a credit card expert and you should not probably be taking any advice from me on what you should do in your financial future.", "But I think if this is something that you are going to get, it's something that you should keep an eye on and try to pay off every month.", "Because that's something that I learned very early on.", "Even in college, I just kept very high credit card balances.", "I didn't pay any attention to it at all.", "I was late on payments for a lot of different things.", "And that really does affect you down the line.", "When I went to buy my first car and the first time that I had to check my credit score, they're like, we can't do anything to help you.", "You're just, you're a mess.", "So for me, what I have done over the past, I feel like 10 or so years is if I am going to buy something on a credit card, it's something that I know that I can at least afford to pay half of each month.", "And if I can't, that's okay.", "Things definitely happen.", "So that's something that is really cool here.", "When you click pay early, this will show you your current balance.", "And it says my balance is due September 30th.", "This will show you what your interest is if you don't decide to pay all of it.", "So now let's go out to a store.", "I'm going to go shop.", "I'm going to go buy something.", "So for my first soup, I'm going to use my new Apple card.", "Oh, it's already, it already did it.", "That was so fast.", "For my second soup, I'm going to purchase it on the actual card.", "Okay.", "And that's my first purchase.", "And that's it.", "And that don't show up.", "$4.04 for my suit.", "So I'm actually using .", "Do you get 100% cash back or did you just use the credit card?", "There it is.", "It showed up again.", "Here's the rest of my food.", "Cool.", "So you can see the 1% for that one where I use the actual card, 2% for this.", "Oh, this is great.", "How many soups?", "Two soups.", "I would say my favorite thing about this credit card is that there's no credit card numbers", "on it at all.", "If you actually want to get your credit card numbers, you have to go into the app, you", "have to unlock it with face ID, so you can't really do anything without your face.", "So even if I lose this credit card, there's no credit card numbers on it, so they can't", "just take this and start shopping online using my credit card number.", "I can also go in and put a hold on my credit card in case I did lose it.", "So everything is very easy and right at your fingertips, which obviously is very classic", "of Apple.", "Thank you guys so much for watching.", "I hope you guys enjoyed this video.", "There's going to be so much more Apple fun coming up because the new iPhone is going", "to be out soon.", "I'd imagine they're probably going to release a new Apple watch.", "The Mac Pro is going to be out.", "So much stuff is happening and of course, as always, I'll be bringing you guys for the", "ride.", "I'll see you guys soon.", "Don't forget to like this video and be sure to subscribe and hit the bell so you'll be", "notified when I post new videos.", "I'll see you later.", "Bye.", "Shopping.", "I'm going shopping." ]

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[ "Some names that come to mind are Levi Strauss, who founded Levi Strauss & Company, the business responsible for inventing jeans.", "Another important figure is a man named Samuel Clemens, also known as Mark Twain, who is responsible for the creation of Tom Sawyer and Huckleberry Finn.", "Basically, your high school fashion and your high school English curriculum both owe their existences to the California Gold Rush.", "Henry Wells and William Fargo are on that list too.", "As the men who founded American Express also hoped to bring that business model to California in the form of Wells Fargo.", "Today, Wells Fargo is a mid-tier bank that has been around for some time now, with three relatively new credit cards on the market.", "While technically not new to the credit card space, this new lineup shows a newfound desire for them to start giving a crap about it.", "What's up everyone and welcome back to the channel.", "Before we dive into today's video, it would be a huge help for me if you can like this video down below, subscribe, and turn on notifications.", "In today's video, I'm going to talk about the California Gold Rush.", "I'm going to discuss the Wells Fargo credit card lineup.", "I won't be discussing co-branded cards like the HostHells.com card and the Built card.", "Those will be for a separate video.", "The cards I will discuss today are the Reflect, Autograph, and Active Cash card, which currently make up the entirety of Wells Fargo's credit card offerings.", "Let's start off with the Wells Fargo Reflect.", "This card comes with an intro APR of 0% for the first 21 months on purchases and balance transfers,", "making this a useful card to help anyone who needs to make a huge purchase,", "but doesn't want to pay interest, or anyone that needs to get out of credit card debt.", "And I've spoken a lot about credit card debt when covering other balance transfer cards.", "To be brief, if you are in credit card debt, you need to get out of credit card debt right away.", "You're not getting any free stuff if you're still paying interest.", "This card also comes with $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with this card,", "and this is subject to a $25 deductible.", "You also gain access to a 24-7 on-demand referral dispatch network,", "that provides emergency roadside assistance, towing, or locksmith services when you need them.", "And overall, this is not a bad card.", "It offers many of the same benefits as other balance transfer cards from competing banks,", "and in the realm of balance transfer cards, they're really more or less the same.", "It doesn't really matter which one you get,", "and this is because you should either cancel them or product change them at the end of the zero APR period.", "However, speaking of a product change,", "I think the next card would be a good choice to product change to if that were an option for you.", "The Wells Fargo Active Cash Card.", "This card's main feature is its 2% cash back rewards on all spending.", "In addition, this card also gives you $600 of cell phone protection against damage or theft,", "similar to the Wells Fargo Reflect card.", "And beyond that, there isn't too much to say about this card.", "It's simple, and that's a good thing.", "And I'm going to spend a little bit more time talking about the Autograph card,", "because this one has the most packed features.", "The Wells Fargo Autograph card is Wells Fargo's travel card,", "and this one gets you 3x back on a lot of your daily spend categories.", "The Wells Fargo Autograph card is Wells Fargo's travel card, and this one gets you 3x back on a lot of your daily spend categories.", "You get 3x back on travel, including hotels, rental cars, and airlines.", "You get 3x back on transit, including buses, trains, tolls, and parking.", "You get 3x back on gas and vehicle charging stations.", "And 3x on dining, including fast food, deliveries, and restaurants.", "You also get 3x back on phone plans, and 3x back on streaming services.", "You may have noticed I've been saying 3x.", "And that's because this card earns you Wells Fargo points.", "These points are worth one cent per point, flat value.", "You can't transfer them to any transfer partners, although we'll talk about that in a little bit later.", "This card has no foreign transaction fees.", "And just like the other two, you get $600 of cell phone protection against damage or theft", "when you pay your monthly cell phone bill with this card, subject to a $25 deductible.", "You also get secondary rental car collision damage waiver and emergency roadside dispatch, similar to the Reflect card.", "And this is an incredible card that offers a lot of value to anyone looking to have a travel card without an annual fee.", "As you may have noticed, Wells Fargo's credit card lineup is a bit slim.", "Other credit card issuers tend to have,", "a handful of no annual fee cards in addition to their more premium lineup.", "But for Wells Fargo, this is it.", "This kind of makes me wonder, what's next?", "And in my opinion, Wells Fargo appears to be positioning its card lineup to compete with the likes of Chase and Citi.", "Its active cash card, despite being marketed as a cash back card, also technically earns its rewards in the form of Wells Fargo rewards points.", "And Wells Fargo also has a Wells Fargo rewards travel portal.", "So, when looking at the Wells Fargo card lineup,", "I can't help but to notice that there's an opportunity for a few future cards.", "The first is a 5X card similar to the Chase Freedom Flex or the Citi Custom Cash.", "Basically, a card that will earn 5X back on a particular category.", "The next is a $95 annual fee card that unlocks transfer partners in addition to other benefits like trip cancellation insurance,", "primary rental CDW, something along the lines of the Chase Sapphire Preferred or the Citi Premier card.", "The third is a $400 to $500 annual fee Visa Infinite card.", "That gives you transfer partners but also comes with a multitude of benefits to offset the annual fee,", "something with priority pass access and other things like that.", "Basically, to compete with the Chase Sapphire Reserve or the Venture X.", "And who knows, maybe the 5X card could take the form of the $95 or the $450 annual fee card.", "And for these last two cards, I almost see it as inevitable that Wells Fargo is trying to build to them.", "But we'll see how well they can execute on that.", "But essentially, it looks like they might be building to a Wells Fargo trifecta.", "Including the Some New card, the Wells Fargo Autograph, and the Wells Fargo Active Cash.", "And if that were the case, would you ever consider a Wells Fargo trifecta?", "Or are they too late in the game to be successful?", "Let me know in the comments down below.", "Until next time, I'm going to go out there and get some free stuff.", "Thanks for watching." ]

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[ "The CBDC Anti-Surveillance State Act included in your markup today.", "It's the first anti-central bank digital currency legislative effort introduced in the United States and for the past two Congresses.", "And we've worked with my colleagues and with stakeholder groups to update, improve, and grow support for this bill.", "Today, this bill has the support of 60 members of Congress and groups ranging from the Independent Community Bankers Association", "and American Bankers Association to Club for Growth, Heritage Action, and the Blockchain Association.", "We've come a long way.", "This bill is simple. It halts the efforts of this administrative state", "under pre-election legislation to improve the security of the United States and the United States.", "Unlike decentralized cryptocurrencies, a central bank digital currency is a digital form of sovereign currency", "that is designed and issued by a government and transacts on a digital ledger that is controlled by that government.", "In short, a central bank digital currency is a government-controlled, programmable money.", "that, if not designed to emulate cash, could give the federal government the", "ability to surveil and restrict Americans transactions. This is not just", "alarming, it's downright un-American. We've already seen examples of", "governments weaponizing their financial system against their citizens in China.", "The Communist Party is using a central bank digital currency to track the", "spending habits of its citizens. The data is being used to create a social credit", "system that rewards or punishes people based on their behavior. Closer to home", "in the Western Hemisphere in Canada, the Trudeau administration froze the bank", "accounts of individuals involved in the 2022 trucker protests. That might work in", "Canada, that doesn't work here. This appetite for financial surveillance may", "be gaining a stronghold, unfortunately, right here at home. The White House", "issued an executive order placing urgency on central bank digital currency", "research and development.", "And the agency reports to that executive order have made it clear that the Biden", "administration is not only itching to create a CBDC, but they are willing to", "trade Americans right to financial privacy for a surveillance style central", "bank digital currency. We're not going to let this happen. My bill ensures the", "United States digital currency policy is in the hands of the American people,", "not the administrative state, so that it reflects our American values of", "privacy, individual sovereignty and free market competitiveness. American values,", "American values. This is what the future global digital economy needs. If not open,", "permissionless and private like cash, just like cash, a central bank digital currency is", "nothing more than a CCP style surveillance tool that can be weaponized to oppress the", "American way of life.", "You know, it's something worth standing against in this country. I'd like to welcome all of my", "colleagues on both sides of the aisle to support this bill, which protects innovation and defends", "against an ever expanding government surveillance state. Thank you again, Chairman McHenry and", "Congressman Hill for working with me on this legislation. And I yield back the balance of my", "time." ]

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[ "Come with me.", "In 2013, Amazon enters India.", "Back then, there were only like 100 sellers.", "2014, Jeff Bezos invests $2 billion.", "2015, we get our first great Indian festival", "where we purchased all our cheap iPhones and electronics from.", "2016, Amazon launches Amazon Prime,", "launches legendary shows like Inside Edge,", "one of my favorite TV shows.", "2017, Amazon launches Amazon Carigar", "to empower the artisans and weavers of a tier 2, tier 3 towns.", "2018, Amazon launches Alexa,", "which wakes me up in the morning every single day.", "2019, Amazon partners with the Indian Railways.", "2020, Amazon pledges to digitize 1 crore MSMEs.", "2021, Amazon launches its venture of $250 million to invest in startups.", "And finally, in 2023, Amazon becomes the first e-commerce company", "to launch a dedicated e-cargo network.", "What do you think Amazon is going to do next?", "Comment down below." ]

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[ "Well, here's the trick that most people like myself talk about to clients when it comes to your retirement savings.", "The objective is to put money in your retirement savings plan while you are earning high income and taking it out when you have lower income.", "That shows the benefit of tax savings over time.", "The TFSA is completely different. It's designed to give you tax-free savings as you withdraw on the growth.", "That way you don't have to pay tax.", "Here's the problem. You don't save on taxes when you make money or put money into a TFSA.", "You save money on taxes when you put into an RSP.", "So now it comes down to what's the best option for you.", "Well, it all depends on your tax rates.", "The math doesn't lie.", "So get the financial advice.", "And the tax advice before you do this.", "But those options are clear." ]

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[ "We're going to look at a couple that may be helpful to you, namely their banking products.", "Let's get started.", "You used to hear SoFi advertised everywhere for their student loan consolidations.", "Now they have way more to offer.", "First that I'll talk about is the checking account with debit card and the savings account,", "because those reviews are my proverbial jam.", "So your SoFi bank account will come with two accounts automatically.", "One is checking and one is savings, which is super convenient for a couple of reasons.", "One, you can move money easily between both.", "If you use your SoFi checking account for your direct deposit,", "the fact that you have an extra savings account attached means that it's easy to move extra cash", "over to your savings account so that it can earn some extra interest,", "at least until you need that extra cash for other expenses.", "Two, someone told me recently that they like having a savings account attached to their checking account,", "because if someone gets a hold of their debit card and uses it fraudulently,", "there's no concern over their accounts getting totally drained", "because the debit card can't use money in the savings account.", "Pretty cool.", "but at least there's still savings that you can use while you wait for a reimbursement.", "The other thing about the savings account is it offers 3.75% on your savings balance,", "at least at the filming of this video.", "It might be higher at this point.", "That's very high for a savings account,", "especially because our Discover savings account right now offers 3.5% APY,", "which I thought was high, and it is high, just not as high.", "Even better, any money that you have in the checking account will still earn interest.", "Not as good as the savings account, but much better than nothing.", "And related to the savings account, you can set up automatic savings,", "which if you've watched any of my videos, you'll know that I'm all about automating finances,", "especially savings.", "You can do this by automatically transferring funds into your savings account every month.", "Any savings can go into your vaults,", "which are basically sinking funds set up within your savings account with goals attached to them.", "So like house down payment, car, travel, education.", "So for example, I set up a savings goal for travel for $5,000.", "From there, I can fund it from savings or checking.", "You can also set up roundups so that with every swipe of the debit card,", "SoFi automatically rounds up the purchase and puts that rounded up amount in any vault that you want,", "including the travel fund that I just set up.", "Your checking account comes with a debit card.", "Obviously said debit card does have some cash back rewards, but not much.", "Basically, it takes your location and gives you a list of local restaurants where your food purchase will garner cash back.", "Every single restaurant on my list of local restaurants shows 4% cash back.", "Having said that, I would never get this account or debit card only for the cash back.", "It's very much an afterthought and more so of a,", "if you happen to eat at this restaurant and use your SoFi debit card, then you might get a dollar or two back.", "Now, in regards to the debit card, you can add it to your Apple wallet or Google wallet,", "and you can freeze the card and reset the pin in the app.", "If you want, what you can't do is look at the full digits of the card in the app, which is kind of mind blowing.", "Most of these types of accounts have that ability so that you don't have to have the physical debit card with you.", "If you're inputting the numbers for an online purchase or whatever,", "my guess is this may be for security, so they have to deal with less fraud, but it's still less convenient for the user.", "Oh, my word, just laying stupid stink bug.", "Oh, gosh.", "Now for some good things about the checking account.", "No fees, no monthly fees, no minimum balance fees, no overdraft fees for overdrafts under $50.", "If you have direct deposit set up and no fees for ATM,", "you can pay for ATM usage at 55,000 all point ATMs.", "Lots of payment methods too.", "You can pay bills through the app by paying electronically or having SoFi send a physical check to a US address.", "I love that.", "You can also pay friends easily who also have a SoFi account, kind of like Venmo and Cash App.", "In addition, you can get a checkbook sent to your house for free,", "which is convenient for old timey people like me who want to have a physical check to hand people.", "The account allows you to have a joint account owner, which I love,", "because most of the accounts that I set up and review aren't even able to be accessed by my wife", "without me putting the app on her phone and signing her in.", "And having a joint account makes it much easier for handling money with your spouse.", "Now, SoFi has a ton of financial products, and we've already covered the banking ones.", "They also have the ability to invest straight in the app with single stocks, crypto, and even ETFs.", "Personally, I like investing that's focused on tax-advantaged savings, like a 401k or an IRA.", "But investing through SoFi is an option.", "Now, the thing about SoFi is they got their start through providing student loans and student loan consolidation.", "So I like that they're trying to make it easier for people to pay off their loans,", "but they offer a ton of other ways for people to get into it.", "They've got a credit card, personal loans, auto loans, mortgage loans, and lots of refinancing options.", "Now, here on my channel, my number one goal is to help you get out of debt and onto the road to financial freedom.", "And I mean all debt, including the house.", "So I'm not going to recommend any of these services except maybe the mortgage and mortgage refinance.", "Not even the consolidation option, because consolidation is not the solution to the problem.", "It just makes the problem slightly less of a problem.", "You can watch my video about debt consolidation in the description down below.", "Just keep in mind, if you sign up for SoFi, you're going to get tons of marketing for all things.", "So be aware and be careful.", "All things considered, the banking options with SoFi seem fine.", "The interest is pretty good, but only if you have direct deposit set up, which is easy enough to do.", "And you can get up to a $250 bonus by setting up direct deposit.", "But the bonus will depend on the amount that you receive in direct deposits in a 25-day evaluation period.", "If you do decide to sign up, use my link in the description down below.", "And when you fund your account with $10 or more, you'll get $25 back.", "This is for a limited number of referrals, but the direct deposit bonus is available for anyone regardless of the signups.", "At least at the time.", "Alright, if you're interested in more FinTech reviews, then subscribe for future content.", "Look in the description down below for links.", "And watch this video next." ]

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[ "developing banks in India today. Everyone should join hands with IDFC First Bank,", "open their account and experience the best. Today's expo has been well organized and such", "expo will help in creating more awareness. We have conferences where leading people are", "offering their services and explaining. Very insightful. The workshops are very insightful", "and these things will help create more awareness about financial regularities." ]

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[ "That's exactly what we're saying here. And you know, millions of people have turned to this app based banking system. And one of the big names out there is Chime. It is so easy to sign up. Takes just minutes. And that's part of the appeal. But let this Griffin woman and Fox 5 Atlanta viewer tell you how she's been asking for months for her $14,000 to be returned to her.", "The end of September, October, November.", "I was stressed. Just stressed. Not sleeping stressed. Not half eating stressed. It was September last year when Marla Jones got a puzzling message from Chime, a technology company that offers banking services. Her account was on hold. Chime had detected unusual activity on her account. The first few months, everything was fine. Which is why when they I received the email saying that they was going to put my account on hold.", "I wasn't alarmed. But that didn't last long. Chime closed her account and kept her money. She had no access to her $14,000 and she couldn't pay her bills. I've had to do borrow money from family members. And nobody wants to do that. She filed a complaint with a federal oversight group. She told them what she told us. She can't get a refund on her closed account. It's a familiar story.", "The Consumer Financial Protection Bureau has logged more than a thousand complaints in a short period of time about Chime. The Better Business Bureau has issued an alert. It says many customers claim they are having their accounts closed, no access to their money, even after providing requested information. In an email, Chime wrote the Fox 5i team that Ms. Jones hadn't answered an outstanding request for more information. They told me that I needed to provide a photo of me holding my gun.", "Government issued ID. They told me that I needed to provide a explanation of the activity in my account. She said she sent this picture. This email shows she told them she had a big influx of cash to her Chime account because she was moving it from another account. She asked for her money to be returned in January. Again in February. Nothing. I've done everything I've been asked. Give me my money. Soon after the Fox 5i team had their accounts closed, Ms. Jones had to apply for a free credit. She's been asked to pay the financial aid she provided that she wanted to give to her. She was not a member of the Fox 5i team. She's been in a relationship with the Fox 5i team for quite some time. She's been in love with the Fox 5i team. She's been in love with the Fox 5i team for quite some time. She's been in love with the Fox 5i team for quite some time. She's been in love with the Fox 5i team for quite some time. She's been", "team reached out to Chime. Her nearly 10-month-old case was resolved. They wrote that we resolved the", "matter and the member has full access to their account. More than $14,000 was returned to her.", "Here are a few things she's learned. Chime, where banking that's got your back, is not actually a", "bank. It's a financial technology company that works with banks. Chime and other app-based", "companies are called neobanks or fintech. Marla Jones says this new stuff might not be right for", "her. She's moving her money again. I'm thinking about putting my money up under my mattress.", "She's joking, of course, but she is going back to old-fashioned banking. I'll stay local", "when it comes to banking. I'll definitely stay local.", "Now, if you are app-based banking and you're going to stick with that method,", "which Millie?", "Millions of people will. Make sure you save your emails and documents in case you need them later", "and not just within the app, but outside on your desktop. So if you're locked out,", "you have access to these. And make sure that the company you're dealing with has your latest", "contact information. If you switch email addresses, make sure they know that in case", "they need to contact you. Portia?", "Well, Dana, the thing is, millions of people really are using these kinds of", "banking applications.", "So I think that's one of the things that's really important.", "This has got to be something you've got to watch out for.", "Yeah. Yeah. Well, you know, there's a banking consulting company that says Chime and many", "others, you know, increased their customer base during the pandemic, which meant a lot of large", "checks from the federal government were coming into these accounts, and these are setting off", "flags. Get that. Chime said, you know, they need to make sure these things aren't fraudulent. But", "locking down an account with your life savings for 10 months is an altogether different scenario.", "Yes, indeed. All right. Good information. Thank you so much, Dana." ]

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[ "देल लाग का bill है आपका", "पता है ना दो लाग की limit है", "credit utilization 75% से उपर जा चुकी है आपकी", "30% से उपर जाने पर तो credit score drop होना शुरू हो जाता है", "पता है", "हाँ प्लीज ये बताओ credit card का bill कैसे pay करना है", "मैडम आपकी duty अभी 15 दिन बाद है कोई जल्दी नहीं है आप आराम से bill भर सकती है", "ने actually मुझे अभी pay करना है", "मैडम आप अभी pay करो आप 15 दिन बाद pay करो", "bank को कोई फरक नहीं पड़ रहा", "प्लस आपको कोई extra interest नहीं लगेगा", "बाकी आपकी वर्जी है देख लो आपको कब pay करना है", "मुझे बता है कि आपका bank मेरे credit utilization data को कल credit agency के साथ report कर देगा", "so अगर मैं आज bill pay कर दूँगी तो मेरा credit utilization तो 75% दिखा रहा है वो 0 हो जाएगा", "और मेरा credit score 800 से उपर बढ़ा रहेगा", "जी हाँ there is one particular day to pay your credit card bill which can potentially boost your credit score", "हाँ month end month end पे bill देने से बढ़ता है न credit score पता है मुझे नहीं", "फिर billing date billing date no फिर तो पका due date ही है 100% नहीं", "फिर कौन सी date है आप ही बता दो इसका correct answer है it depends on your bank", "सब banks का अलग-अलग हिसाब रहता है well let me explain how this works", "ये तो आपको पता लग गया होगा कि आप जिस भी bank का credit card यूज़ कर रहे हो वो bank हर महीने आपकी credit utilization के data को credit agencies like Sibyl या Experian के साथ share करता है", "जिससे वो credit agencies आपका credit score decide करती है", "अब अगर हमें ये पता चल जाए कि वो कौन सी date है जब bank की data share करता है उससे पहले अगर हम अपनी credit utilization को 30% से नीचे ले आएंगे तो हमारा credit score drop नहीं होगा", "but सुनने में जितना आसान लग रहा है उतना है नहीं it's not that simple क्योंकि हर bank का date होती है data sharing की वो अलग-अलग रहती है", "अगर आप 30% से ज़्यादा use करते हो तो आपका credit score drop हो सकता है उसमें हमें दो points याद रखने हैं ये जो 30% वाली limit है it includes all your available limits आपके multiple credit cards जितनी आपकी overdraft limit है सबको include करके ये 30% की limit बनती है", "अगर आपके बास multiple credit cards है और आपने एक credit card में 60-70% की आपने limit use कर ली है", "लेकिन अगर आपका total जो credit utilization है वो 30% से कम है तो भी you are sorted आपका credit score drop नहीं होगा", "second आपकी जो ये 30% की limit है that can be counted at any given point of time हो सकता है आपने पूरे साल में ये credit limit use ना करी हो", "लेकिन आपने किसी particular month में 30% से ज़्यादा use कर लिया तो भी आपका credit score drop हो सकता है because at that point of time आपकी utilization 30% से ज़्यादा थी", "चली अब देखते है कि कौन से bank का कौन सी date को bill भढने से आपका credit score potentially boost हो सकता है", "I have a brief data of all the banks, let's discuss that", "अगर आपको बस इतना जानना है तो आप इसका screenshot लेकर बाद में देख सकते हैं", "मैं आपको guarantee के साथ कह सकती हूँ कि आपको ये data इंटरनेट पर और कहीं नहीं मिलेगा", "तो इसमें सारे members ने अपने credit score को track करके ये data share किया है", "अगर आप भी अपने credit score या credit cards को लेकर अपने passionate हैं तो आप इस community को join कर सकते हैं", "जिसका जो link है हमने description में डाल दिया है", "अब एक नज़र डालते हैं data पर", "ये इसमें सबसे पहले I want you to focus on access bank क्योंकि उसका जो data है सबसे ज़्यादा interesting है", "access bank के data में आप देखोगे तो bill generation date month end दोनों ही mentioned है", "इसमें जो access is credit card है उसका data is reported by access bank on the bill generation date", "मतलब अगर आपका credit card का bill हर महिने 15 को generate होता है", "तो same day ही access bank आपकी credit card utilization credit bureaus like Sibyl Experian को report कर देता है", "so in case आपने credit card अपना 30% से ज़्यादा use करा तो आपको उसको clear कर देना चाहिए", "before the bill generation date so that your credit score won't be affected", "apart from access is credit card बाकी सब credit cards का data month end यानि की 30 ये 31 को report होता है", "so आप अपना bill 30 से पहले कभी भी clear कर सकते हैं to boost your credit score", "यहाँ पर एक community member ने suggest किया है that access bank सभी credit card के लिए", "including access is सिबिल को जो data है अपना bill generation वाली date पे report करते हैं", "but access वाले experience को month end पे ये data share करते हैं", "so to be on a safer side अगर आपने आपनी credit utilization 30% से ज़्यादा है", "तो आप उसको पहले ही bill generation date से पहले ही clear कर सकते हैं", "आपका credit score effect नहीं होगा", "अब next नज़क दालते हैं SBA की data पे जो भी काफी interesting है", "for SBA it is reported on 3 days post bill due date", "यहाँ पर ध्यान देने वाली बात यह है that bill due date is not your statement date", "इन दोनों में फरक क्या है एक बार जान लेते हैं", "हर bank की अपनी एक billing cycle होती है जो की 28 to 31 days की होती है", "इस cycle में आप जित्ता भी अपना credit card यूज़ करते हैं उसका एक bill बनता है", "वो bill customer को statement date पे मिल जाता है", "अब statement date को आप billing date या bill generation date भी कह सकते हैं", "इसके बाद bank आपको 20 to 25 दिन का time देता है वो bill pay करने के लिए", "जिसमें आपको कोई parenting नहीं लगती कोई interest नहीं लगता", "इस grace period में आप अपना bill कभी भी pay कर सकते हो without any interest whatsoever", "तो ये जो due date है is basically that date जिसके पहले आप बिना किसी interest या penalty के", "अपना credit card bill pay कर सकते हो without any consequences", "and it is typically 20 to 25 days after the bill generation date", "अगर आप अपना bill due date के बाद भरते हैं तो आपको extra penalty, extra interest सब कुछ लगना चालू हो जाता है", "well इसके लिए भी RBI ने due date के बाद extra 3 days का provision दे रखा है", "but that is another story which we will discuss in some other video", "अभी के लिए आप ये मालने जाए कि आपको due date तक अपना bill भरना होता है", "अगर आप उसके बाद भरते हैं तो आपको interest लगता है आपको penalty लगती है", "and not just that अगर आप अपना bill जो है वो late pay करते हैं या नहीं pay करते हैं", "तो bank आपको default consider कर लेता है and आपको credit score काफी जादा drop हो सकता है", "just FYI अगर आप bill time पे नहीं भरते तो आपको काफी भारी penalty लगती है", "for example अगर आपने 30 दिन से अपना जो bill है वो delay किया", "तो आपका credit score 50 points तक drop हो सकता है", "अगर आपको ये सब समझ आ गया तो अब हम SBI का data discuss कर लेते हैं", "जैसे कि हमने पहले mention किये SBI की case में bank 3 days post bill due date report करता है ये data", "so अगर आपका SBI credit card का due date महिने की 5th को है", "तो आपका जो utilization का data है वो महिने की 8th को report होगा", "जैसे कि हमने बताया due date is generally 20 to 25 days after bill generation date", "and SBI due date के 3 दिन बाद data report करता है", "technically SBI bill generation date के 25 से 30 दिन बाद ये report करता है", "so एक तरीके से आपको काफी time मिल जाता है अपनी utilization control में लाने में", "in case of ICICI, Amex and RBL your utilization date is shared on the bill generation date", "or statement date जैसे की access के case में था", "in case of HDFC, Bank of Baroda, Kotak, IDFC, Standard Chartered and CSB", "this data is shared generally on the month end", "so this is broadly सारे banks का data", "I know इसमें 100% banks अभी included नहीं है", "कुछ banks है जो भी बाकी है", "so इस data को पूरी तरीके से comprehensive बनाने के लिए", "आप BK5E community को join कर सकते हैं", "and अपना experience share कर सकते हैं", "join करने का link हमारी bio में है", "till then BK5E" ]

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[ "Both cards earn 10x points on Hotels.com, but one carries a $95 annual fee and the other has zero annual fee.", "And I'm going to share with you which one is the clear winner.", "I'm 34 and took my first international trip just five years ago, and since then I've been able to fly to 39 different destinations with my wife using points and miles.", "I want you guys to stop right now, click on the link so you can check out these cards and also my top picks for 2019 so you can fly for free using points and miles.", "Now keep watching this review because at the end I'm going to share with you how you can fly on Singapore Suites class with a private bed in the sky using just points and miles.", "Hey guys, my name is Andrew Wise with Life Tailored and we talk about everything that makes your life great.", "Make sure to like, subscribe and comment down below and follow me on Instagram at Life Tailored.", "So today we're talking about the Capital One Venture Awards card and the Capital One Venture One card.", "I'm going to go over the features of each of the cards, let you know which one is the clear winner and also show you how to redeem your points for Singapore Suites class.", "So to get started, let's start talking about those features.", "So let's get started.", "So both of the cards earn 10x points on Hotels.com.", "You have to use a special link, which I'm going to put down below.", "But basically for anything you book on Hotels.com, you're going to get 10x points.", "Both of those cards have this benefit, even the Capital One Venture card with that $95 annual fee and the Venture One card.", "So they're even on that.", "Now the two cards for everyday spend with the Venture Rewards card, you're getting 2x spend while the Venture One gets 1.25 points on everyday purchases.", "For both of these cards, I don't recommend putting.", "Everyday spend on these cards since these points are worth about half the value of an ultimate rewards point or a membership rewards point that you're getting it from Chase or American Express.", "Now the annual fee on the Venture Rewards card is $95, but waived for the first year and the Venture One never has an annual fee.", "And the final point is there's a signup bonus right now.", "So currently with the Venture Rewards card, you're going to get 50,000 bonus points and on the Venture One card, you're going to get 20,000 bonus points.", "Now the bonus points on the Venture Rewards card.", "Are worth about $700 and the Venture One is worth about $280.", "So based on the comparison of these two cards, despite having that $95 annual fee, to me, the Venture Rewards card is a clear winner.", "You're going to get more than $420 more in value from that Venture Rewards card, which is equivalent to about four and a half years of paying that annual fee on the card.", "So your break even for the Venture Rewards card is sign up for it.", "Keep it for about four and a half years.", "And if you're getting great value.", "I did that 10x keep it otherwise downgrade to that Venture One for the no annual fee plus the 10x points on hotels.com.", "As always, these signup bonuses change.", "They may go up.", "They may go down.", "The 10x on hotels.com may go up, may go down.", "Always be aware of what the benefits of your cards are before maintaining any annual fee subscriptions and always evaluate every single card you have.", "So as far as Capital One comparison goes, the clear winner in my mind is the Venture Rewards card.", "Not only do you get 10x on hotel.", "You get $700 in value from that signup bonus.", "Okay, so let's talk about the fun part about points and miles actually redeeming our points for luxurious amazing trips around the world.", "And one of my favorites is Singapore Suites class.", "So the flight we often take to get to your is JFK to FRA Frankfurt.", "We fly Singapore Suites class.", "Typically the flight takes off around 10 p.m.", "And we arrived in Frankfurt around 5 or 6 a.m.", "Giving us plenty of time to make that connection down to.", "Italy, Spain, France, wherever we want to go in Europe.", "Now to get there.", "Typically this flight costs about $4,000 to $5,000 retail price, which is frankly insane.", "But if you're using points and you can score a saver deal, it's only 76,000 Singapore Chris Flyer miles.", "So since Capital One miles transfer at the 2 to 1 ratio, the way you're going to book this is first.", "You're going to go on Singapore Air's website and search for the route.", "So search for JFK to Frankfurt.", "Go to a word search and look for the route.", "And then you're going to be able to take the flight.", "Now, before that, save or availability.", "Typically, saver availability is available within two weeks of a flight taking off.", "But sometimes months and months in advance.", "The key thing you got to do is just keep searching.", "Keep looking for those available flights.", "And then once you've locked in those dates, now is when you want to make that transfer.", "You could of course transfer your flights beforehand.", "If you have a ton of extra points or you're not worried about having your points locked up in Singapore air.", "But once you found that route, you want to transfer 152,000 Capital One miles.", "Over the Singapore.", "76,000 miles and once you do your booking everything's going to be set and you can fly", "Singapore Suites class and you can get a $5,000 flight for 76,000 miles or 152,000 Venture Awards", "miles. Now the one thing that we love to do is Singapore Suites class has an arrangement of their", "seating class it's one two one and the two seats in the middle that's where you can combine them", "and turn it into a private bed in the sky. We've done this three or four or five different times", "and it's the most amazing luxurious experience we've ever had and the way to do that is basically", "you need to transfer double the amount of points so you're going to transfer 304,000 Venture miles", "over to Singapore and then just look for two flights on that saver availability. Sometimes", "it's really hard to find two saver flights so you may have to do one saver and one regular standard", "award. Either way $10,000 getting a flight for just 200,000 miles is so much better than spending", "$10,000. Frankly I would never spend $10,000", "$10,000.", "we've flown on this flight and you can too. So thank you guys so much for watching this video", "if you liked it I would love it and really appreciate it if you liked and subscribed if", "you're not already a subscriber and also let me know down in the comments do you have a trip coming", "up that you've already planned or you're planning a trip and need my help I reply to everybody in", "the comments so let me know how I can help you guys I'm there for you. Now if you like this video", "click on the playlist I've got a ton of more", "tips on travel hacking flight hacking and how to live your best life but either way thanks again", "for watching guys see you for the next one." ]

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[ "really is an upgrade, and we're going to talk about exactly what those details are. But", "first, I'm going to ask you to please subscribe to this YouTube channel if you have not already.", "And if you have already, I thank you for doing so. So yesterday, I made a video talking about", "the fact that PayPal had taken their credit card applications down on the PayPal Cashback", "MasterCard and said an upgrade was coming. And the skeptic in me thought that an upgrade", "was probably a euphemism for changes you're not going to like. Well, I'm happy to report that I", "was wrong, and it really is an upgrade. So we're going to talk about what those details are of the", "PayPal Cashback MasterCard going forward, and they're pretty good. So the new improved PayPal", "Cashback MasterCard is going to be a no annual fee MasterCard that gives you your rewards using", "the following formula. 3% cashback on PayPal purchases, 2% cashback on all other purchases,", "plus a bonus opportunity of $100 after you spend $500 with the card. Press release today doesn't", "make it clear what the time frame is in which you have to spend that $500 in order to get the $100", "bonus. It's usually 90 days on cards like this. But anyway, they didn't have that in there. So", "my assumption yesterday was that if this card is going off the market, they must be losing the 2%", "cashback on your purchases across the board and coming up with some new formula because otherwise", "you would just tap the card. So I'm going to talk about that in a little bit. So let's get started.", "3% cashback on PayPal purchases.", "So a lot of cashback cards or travel rewards cards, they're sort of the usual suspects where", "you could get that 3% to 5% or that 3% to 5% points. And those are often going to be dining,", "gas, groceries, sometimes travel. But there are a lot of other retailers out there that have", "PayPal as a checkout option where you can get that 3% to 5% or that 3% to 5% points.", "So you couldn't get really an enhanced reward. So you're getting whatever the default was on the", "credit card that you were using at those retailers. So this really does open it up and it makes it", "sort of a no-brainer to get this card, make it the default on your PayPal account. But then also", "you have the 2% as a sort of catch-all card for all of those purchases that you can't use PayPal", "on, but they don't really work with any of the categories that you might have with other credit", "cards either. So you've got 3% of PayPal, you've got a 2% catch-all, and then you've got the 2%", "the card is sort of being reintroduced here. And so when you compare it to some of the other 2%", "cards out there, it's a pretty appealing combination. I forgot a couple other details", "that I'm sure people are going to ask about. First off, when you redeem the cashback that", "you get on this card, you are going to continue to be able to redeem it into your PayPal account,", "or you can send it to an outside bank or debit card. It looks like also this card will retain", "the 3% foreign transaction fee going forward. So for a while, the PayPal Cashback MasterCard had", "no foreign transaction fees, and then they added the 3%. Well, it looks like that is sticking.", "So PayPal Cashback MasterCard, back in the conversation. As I make this video,", "it still is not available for you to go and apply for. If you're watching this video down the road,", "it probably will be, but they are going to be rolling it out pretty quickly. It looks like", "existing PayPal Cashback MasterCard holders are going to get all these terms.", "I assume they're not going to get a new bonus opportunity, but who knows? Maybe that is coming", "to them as well. So I don't know if the fact that it got noticed yesterday that the card was making", "changes and certain skeptics on the internet were saying they thought it was going to get worse and", "they moved up the announcement or what, but they've made the announcement about the card changes,", "but they haven't actually made it available to everyone yet. So still keep an eye out for that.", "I would love to hear your comments, questions, whatever in that comment section below. Otherwise,", "thanks 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 too.", "If you don't feel like doing any of those things I just requested, watch this video." ]

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[ "Walgreens, everywhere.", "Or you can order it online for free.", "But there is a monthly fee of $5.", "Is it worth the money?", "Let's check it out.", "Hi, I am Slava.", "Welcome back to my channel about money.", "The card is branded as PayPal and you need a PayPal account to fully use the benefits.", "Your transfers from and to PayPal account are limited to $300 per day and $2000 per", "month.", "The card is similar to NetSpend prepaid card.", "If you want to protect your card number, you can make a virtual debit card for online purchases.", "You can deposit money at your local bank.", "To install for your client.", "This is sold via ours bist Zheng Apt заказных действий.", "With the return of those Shayna specifies that this card will not show up on this product's", "Then fromnow on visa will show up directly on net thinks cards and pay with equal", "Payment withdrawal is $2.5.", "Card replacement is $6.", "Custom card is $4.", "If you want to close the card and take your money back it will cost you $6.", "And foreign transaction fee is 4%.", "The maximum balance you can carry is $15,000.", "If you have more than that, probably it is time to open a high yield savings account.", "Watch my review of a high yield savings account.", "Or watch my review of PayPal debit card.", "It is not the same as this prepaid card.", "Subscribe to my channel." ]

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[ "उससे पहले आपको OLX और Quicker का किस्सा तो पता ही होगा", "तो OLX और Quicker पर कुछ होता है ऐसा था कि", "आजकल स्कैमर्स प्रोफेशनल और बिजनेस मैंन को टार्गेट कर रहे हैं", "ऐसे ही एक किस्सा हुआ हमारे जागरुप सप्याइबर के साथ", "जो की एक आर्ट कीटेक्ट है", "कुछ दिन पहले उन्हें एक इंजान टेक्स करते हुए कहता है की", "आजकल स्कैमर्स प्रोफेशनल और बिजनेस मैंन को टार्गेट कर रहे हैं" ]

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[ "अच्छा तो ये तुम गलती से पैसा भेज दियो", "दोस्तों एक मिलेश ढूंढ है आपने विकल्प में खिंदी की भरूपदीम दिलो.", "हमारा अबेज़,", "अधिक", "चाहिक है", "आधार maa", "मैं इसको कॉल करblkbaqSilk.com करूंगा क्योंकि मैं उनकी दोस्तो से यह यह फ्राइड है फ्राड मैंत्रे पैमेंस है और मैं इसको पॉल करता हूँ", "आधीि देख का से लोगों को नए तरीके से चुना की या जा रही है यह जामताला का बिल्कुल नय मेच है", "मैं चलिए मैं इसको �It कॉल करता हूं देखें दोस्तों लाइब मैं आपको दिखाता हूं देखेंगे कैसे लोगों को", "पागल बना रहे हैं कैसे लोगों का साथ ठघ से आ रहे हैं और दोस्तों ये देखिए यूपाइई अकाउंट लोगों का", "बात कर रहा हूं डेली से", "हाँ बताओ", "भाई एक्चुली मैं पिताजी को पेमेंट कर रहा था", "फोन पेटे वो गल्दी से आपका नंपर में", "चला गया भाई आपको साइट मैसेज", "आया होगा आपको", "हाँ मैसेज मेरे मोबाइल में तो आया है", "आठ हजार रुपए मेरे एकाउंट में आया हुए है", "जी जी", "वो गल्दी से चला गया भाई", "ये मैसेज मेरे मोबाइल में आया हुआ है", "कि मेरे एकाउंट में आ ठजार रुपए", "आया हुए है", "ये ये तुमने भेजा है", "नहीं भाई नहीं", "तो लाख का एक अंग गलत दबा दिया मैंने वो आपका नंबर में चला गया मैं कब से कॉल कर रहा हूँ आप फोन ही नहीं उठा रहें", "अच्छा कैसे मतलब समझा नहीं कि पापा को भेज रहे थे और मेरे अकाउंड में कैसे आया", "अच्छा तुम्हारे कहने का मतलब है कि आ तुम अपने पापा को भेज रहे थे और लास्ट का यह कंग चेंज हो गया तो", "तुम्हारे का मतलब है कि आ तुम्हारे का मतलब है कि आ तुम्हारे का मतलब है कि आ", "तुम्हारे का मतलब है कि आ तुम्हारे का मतलब है कि आ", "तुम्हारे का मतलब है कि आ", "तो पैसा कैसे लाइट करना है पैसा हो पैसा कैसे और पढ़े दूंगा नंबर पर कर दो मम्मी बार-बार कोल करें", "थे कुछ में लेना हूं पैसा बेच थे सब्सक्राइब को नंबर पर प्लीज वापस अंधुअर तो यह इसलिए तो बार-बार बस", "पैसा लेना है तो मैं तुम्हें बताता हूं ठीक है पैसा लेना है तो तुम एकाउंट नमर पर भेजो पूरा", "बुरा एकाउंट डिटेल भेजो हेलो फूर अपना एकआउंट डिटेल भेजो अपना अधार कार्ट भेजो रेडीट बेजो", "मैं तो मैं पैसा डाल रहा हूं भी अभी काम कर रहा हूं बिम करूं मैं यह सब मेरा अपने मैं यह सब अब यह", "नहीं दे सकता भाई आप डायरेक्ट नंबर से कर दो ना फोन टेसे अच्छा तो तुम्हें काम करना फिर अगर तुम्हें डिटेल नहीं", "देना चाहते हो तो तुम मेरे यहां पर आ जाओ मैं तुम्हें रेसामने आएं तुम्हें कैस निकाल कर पैसा दे दूंगा", "यहां पर आप बैसा भी पूरा मांग सबसे बारा मेरा पूरा बात कूठा समझ बात की कि तॉपटल में भाई थोड़ा हमारा", "तुम्हें है गुण बात तो यह बात तो यह बात में और हो दो लें पैसा भीले दमलों की", "बाई बेल तो बाई बेल तो थोड़ा emergency है बाई कास को समझो", "अच्छा तो तुम एक काम करो पता नहीं पैसा तुम्हारा आया है या किसका आया है मेरे account में", "तुम एक काम करो तुम यहाँ पे आज़ाओ मेरे police station के पास मैं तुम्हे वहाँ पे पैसा दे दूँगा", "मेरे सामने आना पड़ेगा अभी तो नहीं आ पाऊंगा ना भाई अभी आऊंगा तो समय बहुत ज्यादा भरबात हो जाएगा", "बाई वह पिताजी का medicine लेना है मम्मी को अच्छा medicine लेना था वो medicine लेने के लिए मैंने", "तो अभी मेरे पास नहीं है ना भाई अच्छा तो एक आउंट डिटेल वगैरह मंगवाल होना मैं कर दे रहा हूं नहीं", "भाई वह अभी मिलेगी मैं तो यहां पर रेस पर तो कैसे करना है तो कैसे तो फिर कैसे करूं पेमेंट तुम्हे", "डोले से नमबर बता रहा हूं ना आपको अच्छा फहर से फोन पर से ऐसे होगा अच्छा फोन पर खोलेंगे उसके बाद", "बताओ कि प्रोसेस की कैसे करना है पॉजिट्स करती होगा शुल्द पर यूज करना तो मैं खुद नहीं आता है और मुझे", "आप तुम्हारे पैसे तो देख वापस करने वाला हूँ नहीं", "मैं नहीं करूँगा क्या कर लोगे तुम बताओ", "अच्छा तुम पुलिस टेशन पे कमप्लेंट करोगे मेरी", "अच्छा", "मैं बात भी समझ नहीं हूँ", "वह एमरजेंच ये बात भी समझ नहीं हूँ", "सब्सक्राइब लो यह बताओ तो मैंने बैंक बैलेंस अपना चेक किया तो मेरे अकाउंड में तो पैसा आ या नहीं", "तुम्हें मैं पैसा कहां से बेज दूं और आपको मैसेज तो आ आपकी बेंग ने साथ बहुत देर बाद आए गया बीड़ी", "था अच्छा अच्छा लोगों को गब्जाएं अच्छा यह तुम्हारा आगे है बैंक से यहां पर बहुत अच्छा मेक्सिमाल पैसा", "से झ�ड़ी हो बाज आज अच्छा-अच्छा सुनो सुनो सुनो", "नी करो � своим और बगल है एक और बिटाइट हमW pillow जहरां को राज भर इस चेहरे हिडा दें", "दोस्तोपाई अपादों का बात लेने में पागल", "तरीका को बना जाता है", "मैं बैकरण का लिफ्ट हाप्टर वर कर रहा है", "साथ queers कर रहा है", "तुझे प्रॉब्लम होगा तुम तुम मुझे दंगी दे रहा है तुम तेरा जो मोबाइल नंबर है नहीं आप मैं देने वाला हूं प्लीज को तब तुझे पता", "देता हूं तब तुम तेरा पता लगे जाता तेरा बैंक नहीं तेरा बैंक रिटेल भी निकल वास्तव जो तुम ने दे रखा है ना अभी तुझे पता चलेगा बटा चल फोन रख जा जो करने होगा अच्छा", "हेलो यह देखिए दोस्तों इसने फोन कट कर दिया और दोस्तों यह देखिए मैसेज मैं आपको दिखाता हूं यह देखिए कितना", "सातिर तरीके से लोगों ने जामताड़ा का बिल्कुल नया स्कैम खोज रखा है और कैसे बोल रहा है कि पिता जी का दवाई लेना", "है पर्किन दोस्तों नहीं है ऐसा कुछ नहीं है मेरे कात होना पैसा नहीं और मैंने बैलेंस चेक किया और देखिए", "बात कैसे कर रहा यह ऐदि आपके काउन कर आ गया है वह पैसा प्लीज वापस कर दीजिए पिता जी कैसे ही नो क Hoch 그것", "बातें कर रहा है दवाई लेने के लिए वह पैसा भेज रहा हूं भेजा हूं देखिए दोस्तों यह बिल्कुल जामताड़ा का", "बिल्कुल एक नया फ्रॉड आया हुआ है आप लोग से रिक्वेस्ट है कि इस वीडियो को सेयर करें ताकि कोई भी व्यक्ति कोई", "भी ब्रिक्तिक्टी जो है इस तरीके का टू सेयर तरीके का यह ज्यादा आई है और जो है यह तरीके का फेक मैसेज � новые", "ब्रिबरांट सकता है आपको पता होगा कि यह मैसेज बटल में भेंड लो तो प्रोड लोग जो है बल्क मैसेज का जो कि", "शुपनियां यूज करती हैं इस तरीके का अपना एडवार्ट एडवर्टाइजमेंट करने के लिए आपको भी पता होगा तो उसी", "मैसेज का यह लोग फेक मैसेज बनाकर लोगों के मोबाइल नंबर पर ट्रांसफर करवा रहे हैं और फिर कॉल करके उनसे", "पैसे मांग रहे हैं तो लोगों को लगता है कि सच में मेरे अकाउंड पैसा आ गया है वह मैसेज देखकर दोस्तों", "बिल्कुल भी कोई भी डाउट नहीं करेगा कि फेक मैसेज जुटाएं और बिना देखिए कुछ लोग क्या कर दें कि पैसा इनको", "ने मोबाइल से वीडियो बनाना शुरू कर दिया तब इसको कॉल किया दोस्तों तो आप लोग इस तरीके से साउधान रहें", "और इस वीडियो को ज्यादा सेयर करें क्योंकि एक नया तरीके का इसके माया हुआ है दोस्तों अगर आप लोग यह वीडियो", "अच्छी लगी है तो लाइक कीजिए शेयर कीजिए और हमारे YouTube चैनल को सब्सक्राइब कीजिए ताकि आपका एक", "सब्सक्राइब से ही मुझे दोस्तों सपोर्ट मिलता है और हम आगे ऐसे इसका है मावरनेस की वीडियो दोस्तों नया-नया", "हुई स्कैन आता है उस पर जो वीडियो है बनाकर आपके सामने लाते रहते हैं तो दोस्तों आप लोग वीडियो में जुड़े", "इसके लिए आप सभी लोग का बहुत बहुत धन्यवाद", "इस लाइट वीडियो को दोस्तों आप लोग या जादा सेर कर दीजेगा", "थेंक यू" ]

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[ "Keep it or close it, the Chase Sapphire Preferred.", "That is what I am trying to decide right now.", "Perhaps you can help me, but before we talk about that,", "I'm gonna ask you to please subscribe", "to this YouTube channel if you have not already.", "And if you have already, I thank you for doing so.", "So last September, I opened up", "the Chase Sapphire Preferred card,", "and I'm not going to lie, I did it mainly", "to get the bonus, 60,000 points.", "I had a big purchase that I was ready to make,", "and I knew I could easily get to the amount", "that would get me that big bonus.", "So I got all those points from this card.", "I was a little lukewarm on the card itself", "in terms of what it was going to do for me.", "And so now I have that bonus.", "I've tried to kind of justify using this card", "throughout the year, and then we had", "the whole coronavirus thing that's come in", "and thrown sort of a whole new wrench into things.", "And so now I've got a renewal date coming up,", "and I'm trying to figure out what to do here.", "So when I got this card, I was already", "a little bit unsure.", "It gives two points per dollar on travel purchases,", "two points per dollar on dining purchases,", "at least it did when I got the card.", "Now, because of the fact that travel in particular", "has been so shut down for most of 2020,", "they've been trying to add other things", "in to make this card more enticing.", "In particular, at least as I make this video,", "there is three points on gas,", "three points per dollar on gas.", "There is five points per dollar on streaming services.", "That goes through the end of September", "because things are still,", "pretty up in the air,", "still not too many people traveling.", "I am assuming that from October to December,", "they are going to come up with some even new,", "different enhanced categories", "outside of just that 2X on travel and dining.", "So Chase has been trying to do more.", "And in fact, they've also extended the categories", "where you can get the extra 25% point boost", "that this card normally gives on travel.", "So normally you use the Chase Ultimate Rewards Portal.", "You could take your points and you'd get 25%,", "extra on those points when you book your travel", "through that portal.", "Now, because of the fact that travel has been so shut down,", "they've also added essentially a 25% boost", "when you redeem to some other categories as well.", "Groceries, I'm forgetting what all the other ones are now.", "Home Improvement, I think is one of them", "and some others as well.", "So they're trying to get into sort of some everyday categories", "here where you can also get that 25% boost", "when you redeem your points.", "So,", "you know, I'm very pro Chase in terms of the fact", "that they are trying to do right by their customers", "that have paid for a travel card.", "But for me, that still doesn't necessarily mean", "that I'm going to keep it.", "So between this Chase Sapphire Preferred", "and the Chase Freedom, I now have about 80,000 points.", "So if I redeemed those for cash, that would be worth $800.", "If I redeem them toward travel using that Chase Ultimate Rewards Portal,", "that would be worth $1,000 in travel.", "And then also I have the option to redeem my travel cards.", "which I think are good partners.", "So this also makes it a good option.", "Southwest, United, Hyatt, Marriott,", "and then there's some international airlines as well.", "So there are some good options in terms of what to do with these.", "The question is, do I want this card going forward", "or do I need to make a quick redemption before I have to pay $95 again?", "Now, another thing I could do with this card is actually upgrade", "to the Chase Sapphire Reserve,", "which is something that normally I would not even consider doing right now,", "except for the fact that because I have so many points in the Chase system now,", "if I upgraded to that card,", "so I was talking about those 80,000 points being worth $1,000 in travel.", "With this card, if I upgraded to the Chase Sapphire Reserve,", "those 80,000 points, I would get a 50% boost", "if I use them through that travel portal,", "then they would be worth $1,200 in that portal.", "So that's an extra $200 I can get in value.", "Assuming that I am willing and able to travel and use that travel portal.", "Now there is a $550 annual fee on that Chase Sapphire Reserve card,", "but there's a $300 travel credit.", "If I felt like I was getting $200 extra from the redemption I would do for travel", "and the enhanced points that I would get on some everyday categories,", "I could sort of think of this as a wash,", "keep that card for another year,", "kick the problem down the road,", "at least.", "And sort of take advantage of the redemption,", "take advantage of that $300 travel credit,", "and then make this whole decision again next year.", "Now of course another option would be to try to downgrade this", "probably to the Chase Freedom Unlimited card,", "but there's not a whole lot of upside for me in doing that", "because of the fact that I have a long credit history.", "So it's not like closing this account is going to really hurt me very much", "in terms of my credit score.", "If I had the Chase Freedom Unlimited", "with all the other credit cards,", "I have,", "I can't see that I would ever actually use it.", "I wouldn't be eligible to get the bonus from it again.", "So it sort of would be keeping an account open that there's not any good reason to keep open.", "So if I had a shorter credit history,", "that would be a good thing to do.", "Wouldn't have to pay an annual fee,", "keep the account open,", "keep the age of that credit card on my credit report.", "But for me,", "I'd probably close this.", "I've talked positively about the Chase Sapphire Preferred card in the past as sort of a beginner travel card for people that aren't quite sure what they want.", "They want out of a travel card.", "But the truth of the matter is once you get that bonus,", "there are better options out there.", "So to pay $95 per year,", "I think for a lot of people and for me,", "is harder to justify.", "So I don't know that I'm going to keep this card.", "I feel like I'm probably going to make a change one way or the other,", "but I haven't decided yet if I want to close out this account", "or if I want to do that upgrade to the Chase Sapphire Reserve.", "What would you do?", "I would love to hear your comments in the comments section below.", "Otherwise, I thank you for watching.", "And as always, please subscribe to my channel. I'll see you next time. Bye.", "Please go to ProudMoney.com where we do credit card reviews.", "We talk personal finance and we talk deals and all sorts of other fun stuff too.", "Thank you for watching. Bye." ]

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[ "talk about should you have a joint bank account. Damien's going to run through the pros and cons", "of having a joint bank account with your partner and then just to finish I'm going to summarise", "the things you need to think about before you do go and get a joint bank account. So to get started", "Damien what's the pros of getting a joint bank account? Okay so if you're going to have a joint", "bank account for anybody the obvious pro is if you're going to be paying joint bills because", "then all the money comes out of one account. It makes managing money far easier if it all goes", "into one place. It also encourages you to build an element of trust with that person. If you've", "got a partner you're going to have to do that anyway when it comes to finance. I remember when", "I had to do it with my now wife getting the joint account was a felt like a big decision and it is", "but you've got to build enough trust as I'll come on to in the cons.", "The reasons why it makes it easier when you're paying your rent and mortgage that it comes from", "a joint account because then you can both control it and you both put money into it. It can prevent", "arguments over money. It can mean that if one member dies then you have access to that money", "straight away. So in my case if I was to die we've got a joint account and my wife can access", "the money straight away without having to go through probate and everything like that because", "if I had money in my sole account that we were using to live off then", "if I died then she would be able to access it straight away even though she is my wife. It'd be", "far harder on a joint account. She can just go and access that money straight away because her name is", "on it. Now there is a one benefit that people don't realize on joint accounts is that if you", "remember back to the financial crisis when everything was going a bit wrong and people", "worried that banks were going to go bust then there is the financial services compensation", "scheme that covers you for up to eighty five thousand pounds of a bank goes bust. If you've", "got anything up to eighty five thousand pounds of a bank goes bust then you've got to pay the money.", "Now there are some nuances on that. Go and google the financial services compensation scheme because", "that cover is for a per banking license so it's not for each brand so HSBC and First Direct for", "example they have one banking licence. They might be two brands but they have one banking", "licence which means you only get covered for one bank at a time. So if you have a joint account that's", "in a joint account now the cons there are cons", "of course you've got to be able to trust the other person who's not going to run off with the money", "and empty the account because they are", "entitled to if their name is on it they don't have to", "ask your permission", "and you have to be honest about your spending", "and of course you're going to be both responsible for any overdraft on an", "account", "so it's not just about the money that is in credit", "it's about the money that you could be in debt", "as well", "now one of the things if you get a joint account you have to be aware of", "is that you become financially linked to somebody", "so it means that if somebody's got a bad credit rating", "and then you have a joint account with them you become financially connected", "and it will start to impact your own", "credit rating", "so you have to bear that in mind particularly if your", "partner has got a poor credit rating you might not want to be", "become financially connected and might not want to take out", "financial products or joint accounts", "together", "and of course the final thing is that", "if you do break up", "and we're basing this on a couple but anybody can get joint accounts you don't have to be", "a couple but if you do", "break up for any reason or you fall out of friendship with somebody", "then that will be messy if you get a joint account so bear that in mind", "yep so to summarise should you get a joint account things to think about before you go and", "take one out is are you both on the same wavelength when it comes to assessing goals and aims", "with your money are you both saving for the same thing or is one of you going to go and", "do something else", "yeah so i wouldn't Kenya", "a little bit more about how come boyc czany", "pay", "I hear boyc", "the", "laptop", "frozen in the account and then until you come to an agreement that's when you can both access the", "money. So bear in mind that two accounts can still work you don't have to have a joint account", "it can be better than one but one last thing if you are going to have a joint account then make", "sure you both have access to logons online so you've got internet banking so you can see what", "is going on. Okay so that's it for this week's Millennial Money thanks so much for watching", "make sure you subscribe to our YouTube channel and follow us over on our social media so our", "Facebook Money to the Masses, our Instagram at Money to the Masses and our Twitter at Money", "to the Masses with the number two. Thanks so much for watching." ]

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[ "Some users have complained that their stolen financial information was misused by fraudsters to avail loans from the app.", "The company has confirmed the development to CNBC TV18 in a statement.", "Ritu joins us now to take us through what this means.", "Ritu, what is going on exactly and what is Dhani now doing about this?", "Well, you know, Shireen, over the past few days, several people mysteriously discovered", "unaccounted for loans in their credit history, seemingly taken from India Bulls-owned Dhani Loans", "using their own PAN cards.", "Now, several users have actually taken to Twitter to complain that they had been victims of data theft", "and their PAN cards were used by miscreants to take loans in their names via the Dhani platform.", "Now, these people are facing show cause notices now from collection agents", "and they've been shocked to find that their credit scores have been impacted for loans that they never really took", "and those have now been listed as defaults.", "Now, these loans have been taken away.", "Over the last six months is what we've been given to understand using stolen financial information.", "Dhani confirmed this to us in its statement and said that a few cases have come to notice", "where unscrupulous elements or people have used other people's PANs and credentials to take a loan through their app.", "The company says it has already taken remedial measures, including talking to all of the complainants,", "establishing if it is a case of identity theft and then rectifying their records in credit bureaus.", "Further, the company has strengthened its security system to re-verify claims,", "increase the strength of its customer service team itself to attend to these issues.", "But the incident really, Shireen, underscores the need for stronger KYC checks by digital lending apps", "and issues around personal data security.", "While many of these borrowers may or may not be able to get their credit history rectified over a period of time,", "Dhani will also face higher delinquencies because of these frauds,", "so the impact is going to be felt by both parties." ]

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

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[ "රිති Create අBrian ඔබේ මෙලින්න එහෙන් සහ මේද", "හමාබේට පට නැලිය එය වෙන්සේ we", "හිට විඩුයී�, බියන් නිස්තකය" ]

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[ "while doing so then you've clicked on the right video. So make sure to watch this video to the", "end because we will be going over the Bank of America customized cash reward secured credit", "card. Hey what's up everybody it's me Ish. Welcome back to another video on My Challenge", "is Money. For those of you that are new to My Challenge is Money I pretty much go over", "financial related topics such as personal and business credit, real estate, and other", "financial related topics. So if that's something you're into then you're probably going to want", "to consider subscribing. But without further ado let's get into today's video. Okay so on today's", "video we're going to be talking about a secured credit card that offers reward points. And this", "credit card is called the Bank of America customized cash reward secured credit card. This", "credit card is absolutely perfect for beginners new to credit and for people that are trying to", "rebuild their credit. And I say this because not too many secured credit cards out there offer", "reward points. Secured credit cards are usually just a basic generic secured credit card nothing", "more nothing less. But the customized credit card is a credit card that offers reward points.", "So the customized cash reward secured credit card that BOA offers offers to give you reward points", "which is insanely cool. But before we talk about reward points let's talk about what a secured", "credit card is and what this secured credit card has to offer you. So a secured credit card is a", "credit card that you put an initial security deposit then that security deposit then becomes", "your initial amount. So for example if I put a $300 security deposit then that $300 your $300", "then becomes your initial credit limit. And the reason you need to do something like this is", "because you have no credit established so that's why you need to put a $300 security deposit. So", "these lenders won't trust you to have something called a unsecured credit card. And what a unsecured", "credit card is they just give you the credit limit and you don't need a deposit because they trust", "you and you already have credit established. So again they just give you the limit. But secured", "credit cards are a great way if you're trying to build or rebuild your credit. Now the minimum", "security deposit for the BOA customized cash reward secured credit card is $200 and the maximum", "will be $5,000. So if you want to open the account it's going to be a minimum of anywhere from $200", "to $500. So anywhere within that range. Bank of America will periodically review your account and", "based on your overall credit history including your account and overall relationship you have", "with them then you can get your deposit back as long as your account is in good standing. Now your", "secured credit card can graduate to an unsecured credit card if Bank of America feels that you", "qualify. If Bank of America makes a decision to graduate you to an unsecured credit card then the", "maximum credit limit amount on your unsecured credit card will be your initial security deposit.", "So for example if you put a $3,000 security deposit then that $3,000 will be your initial credit limit", "for your unsecured credit card once you qualify for it. I hope that makes sense comment down below", "if you guys have any questions. And another thing that will determine it is your income and your", "ability to pay the credit line established. Okay now moving on this credit card does have an APR of", "28.24 percent and there are no annual fees on this credit card which is fantastic.", "They do however have a three percent fee on balance transfers though and this secured credit", "card also has a security feature that blocks potential fraud and how they do that is if there", "are abnormal spending patterns detected then Bank of America will put a potential block on your", "credit card and they will also let you know if they detect any fraudulent activity and on top of", "that you'll also receive zero dollars liability guaranteed for any fraudulent transaction.", "Okay now moving on this credit card does come with a contactless chip to pay. So simply", "just tap your credit card in order to pay if they offer contactless pay and once you are approved for", "this card you can use this card immediately by adding it to your digital wallet. You can add it", "to your Apple Pay, Google Pay, or even Samsung Pay and also once approved for this card they will also", "send you the actual physical credit card in the mail seven to ten business days after you are", "approved. Bank of America also offers a banking app that you have access to anytime and anywhere", "quickly and securely. You can actually in fact pay your bills on there, transfer funds,", "and check your available credit and more. Another good thing about the secured credit card is that", "it allows you to access your FICO score for free and it's updated monthly and you can do all this", "through the mobile banking app. This secured credit card also offers account alerts that", "tells you what your balances are and when is your next payment due date as well and on top the", "secured credit card also offers overdraft protection. The Bank of America customized", "cash reward secured credit cards looks and acts just like any other credit card. It doesn't say", "anywhere on the credit card itself that it's actually a secured credit card. It's just a", "for let's talk about the reward points that this card has to offer. Okay so you do get three percent", "cash back on the category of your choice. So your choice can either be gas, online shopping, dining,", "travel, drugstores, or even home improvements or furniture. To change your three percent choice", "category you must go online and change it every month. Just one time a month though because if you", "don't change it then it will stay the same as it was last month. So for example if you had gas last", "month then it's going to be gas again this month. If you had travel last month then it's going to be", "travel again this month. Okay now this secured credit card also offers two percent cash back at", "grocery stores and wholesale clubs. Okay so let me make this clear before we proceed with the video.", "You can earn three percent or two percent in any of these categories but the catch is you can only", "earn that all the way up to twenty five hundred dollars per each quarter. If you do end up passing", "that twenty five hundred dollars in that quarter then all purchases will be one percent cash back", "until the next quarter. But it will always be one percent cash back on any other purchase if it's not", "in those categories. And that's pretty much it for today's video guys. Honestly this is an amazing", "secured credit card that I would recommend to a lot of people that are trying to build or rebuild", "their credit. And I only say this because not too many other secured credit cards out there offer to", "give reward points while building credit. That's really insane to me. It's actually in fact pretty", "crazy to me that some lenders will do that but hey take advantage guys. But if you guys made it to", "the end of the video then I truly do appreciate you guys. We're at nine thirty. I'll see you guys", "Also for those that don't know I am also a licensed real estate agent here in Southern", "California. So if you're looking to buy or sell or have any questions in regards to real estate", "then I would be happy to help you out. All my information will be in the description below.", "And also for those that don't know I am also a licensed mortgage loan originator. So if you need", "a loan for a home then I can definitely help you out with that as well. Again all my information", "will be in the description below. I go by the name of Ish Sandeford and I will see you next video.", "Thanks for watching.", "Outro Music" ]

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[ "that is written up and no collateral is required. Sometimes we call them signature loans, meaning", "that the loan is written up based on the client's signature and credit standing only. Based on a", "study done by Experian, personal loans are the fastest expanding form of debt. When you get a", "personal loan, you can literally use it on anything that you'd like to use it on. There are no", "restrictions. You can use it to consolidate credit card debt to start a new business or even", "just to help make ends meet. So are you able to get a personal loan? You can get them pretty much", "anywhere. You can get them from a traditional bank. You can get them from a fintech company.", "You can get them from numerous online resources. Personal loans are everywhere, but beware,", "a lot of these personal loans are actually not good deals at all. A lot of these personal loans", "are what we call subprime loans, and they're going to intentionally", "target subprime borrowers, which means that if you have credit challenges or if you have credit", "issues, they're going to target you at a very high proportion, and they're going to make these loans", "look like they're actually good for you, but they're really not. So a personal loan may seem", "like it makes good sense, but you really have to ask yourself, does it actually make good sense?", "So you've got to look at the reason that you're actually taking the loan. In many cases,", "there is good cause to take a personal loan. As an example, to pay for", "funeral expenses, to pay for a medical procedure, or perhaps you have big expenses that are coming up,", "and they're significant, and you need to take a personal loan to cover those big expenses,", "and your credit cards can't handle that level of expense. So what if you want to take a vacation,", "or you want to improve your home, buy some new furniture? What if that is something that you're", "taking out a personal loan for? The rule of thumb always is, is when you're trying to evaluate,", "does it make sense for me to take out a personal loan?", "Do I have the time to save to pay that thing? Do I have time to save to buy new furniture for", "myself? I've already got furniture. Of course you do. Do I have time to save if my AC unit went out,", "and I'm in the middle of Texas in August, and there's 105 degree weather outside?" ]

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[ "Jonathan, listen, before you do, here's a $300 travel credit.", "Oh, okay, thanks.", "And since you've had the card open for one year, here's another $100 credit.", "Oh, cool.", "And of course, here's another credit for Global Entry TSA PreCheck,", "another card to set you up with all the airport lounges, and here-", "Oh, okay, whoa, whoa, whoa, what's going on here?", "I'm supposed to be paying you.", "That you are.", "Please pay us now the $395 annual fee.", "Right.", "But wait, you just gave me $400 of travel credits,", "and I'm going to pay you $395.", "So did I just get paid by you?", "The answer is yes, folks.", "This is the number one card of 2023.", "It's my favorite travel card of 2023, the Capital One Venture X.", "This card beats out the American Express Platinum,", "as well as the Chase Sapphire Reserve,", "because this card puts $5 back in your pocket,", "and it gives you the same bells and whistles when it comes to travel.", "So if you're interested in the card and you'd like to support my channel,", "feel free to check out my affiliate link in my bio." ]

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[ "So you see iMarketsLive.", "If you're a 17 year old, if you haven't met them,", "you will meet them soon because they will offer you the red pill", "or the blue pill. I remember when I was 17", "I had a phone call from someone who was a", "chairman 10", "in iMarketsLive, right? And he's like,", "look mate, you sign up,", "you pay whatever, like £100 a month", "but if you refer two people", "it's free for life.", "Pyramid scheme, that's how it works.", "I actually received a DM yesterday.", "I'm sure we've all got these DMs.", "Hi, how are you today?", "I'm alright, why are you asking?", "And then he'll be like, do you want to make money?", "If you say something, no I don't want to make money.", "It's like, they take it to heart.", "Do you know about residual income?", "Do you want to make passive income your life?", "Do you want to live on a salary?", "Invest in Route 411 stonks, yeah?", "Just invest in the company.", "Get a bit of share out there.", "Where are we going, lads and nandos?", "Nah, we're going to answer the boss, man.", "PFC, that's where the meetings are going to be held.", "We're on a budget." ]

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[ "I responded that I thought our concerns were, in fact, in the next six years.", "I was fortunate to visit Taiwan just a little over six months ago.", "Government officials there described the last two years in their security environment as the most severe in their history,", "with multi-domain blockade rehearsals and attack demonstrations from all directions, from all domains.", "The PRC continues its campaign to coerce, co-opt, and corrupt other countries and business and political elites across the region to undermine the overall security landscape.", "The PRC also continues its integration of PRC civil and military entities.", "It continues to deepen the reach of its national security laws, even affecting U.S. business in the PRC.", "And lastly, the PLA continues to fight.", "It continues to follow Chairman Xi's edict to fight and win by 2027.", "I think if you're in a kinetic war where munitions are flying, the natural result of that is all maritime shipping in the area will stop a much more sudden and immediate separation of relations.", "And important American companies, notably Apple, would likely see the value of their operations fall very substantially just because of their supply chain dependence on a mix of Taiwan and China.", "A particular importance to the U.S.", "The flow of semiconductors out of Taiwan.", "That if you don't have the right chips, you can't produce a functional car.", "For some specific components, it would be almost impossible in the short run to find those components.", "I think your baseline would assume a near complete freeze of cross-border financial transactions.", "U.S. financial assets inside China would also likely be frozen.", "This is one of these jump kind of risk.", "Enormous amounts of instability in global financial markets.", "Those Americans who've invested in specific...", "Chinese companies or who've invested in indexes that have some exposure to China would see a meaningful portion of their wealth impaired.", "It would be responsible for all those making significant investments to make their portfolios, to the extent possible, resilient in the face of this kind of shock." ]

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[ "of 2007-2008 was a major financial crisis that affected the world economy. It began in the United", "States and then spread rapidly to other countries. The crisis was caused by a combination of four", "key factors. One, subprime mortgages. Two, the housing market bubble. Three, financial institutions", "like investment banks. And four, a lack of regulation. All right, the first one, subprime", "mortgages. Sub means below, prime means the best or premium. So subprime is below the best.", "So below average. Many people with poor credit history were given subprime mortgages, i.e. loans", "to buy homes that they eventually couldn't afford. These loans went on as subprime mortgages. These", "loans were also packaged into financial securities that the investment banks were investing in.", "Number two, the housing market bubble. So as a result of lots of people buying homes because", "now they can afford to do so, given subprime mortgages, house prices started increasing.", "This created a housing market bubble which eventually burst. All right, number three,", "financial institutions. Many of the large financial institutions like the investment", "banks all invested heavily in subprime mortgage banks.", "So when the housing market bubble burst and people defaulted on their loans,", "the investment banks and those who invested in these financial securities were in trouble.", "The value of these securities plummeted, causing huge losses for these financial institutions.", "Last but not least, number four, lack of regulation. There was a lack of regulation", "in the financial services industry which allowed these poor practices to occur without any proper", "oversight. The global financial crisis of 2007-2008 had far-reaching impacts all over the world.", "Many financial institutions faced bankruptcy. A lot went bust. Some had to be bailed out,", "blocked by governments, and the general public lost their faith in the financial system.", "As a result, the crisis led to a sharp decrease in economic growth, increase in unemployment,", "and a heavy drop in the stock market. This crisis should serve as a reminder of the importance", "of regulation and oversight in the financial services industry in order to prevent such", "events from happening again. Before you go, if you've got a finance term that you don't", "understand, let me know in the comments below and I'll do a two-minute explainer on it.", "If you aren't already, subscribe and I will see you in the next one. Peace.", "Bye." ]

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