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[ "account using their trusty smartphone app, excited to give a new digital only bank a", "try. Things were set up pretty quickly and before I knew it I was up and running and", "technically I can even add the card to my Apple Pay before I had even arrived to my", "house. A week later this thing arrived in the post. Smooth, sleek and made from recycled", "plastic apparently and who doesn't love the colour blue? Over the time I've had it I think", "I've tried most of the features, spent money in shops, paid online, earned cash back, used", "round ups and sent money to and from the account with my current bank account which sits with", "one of the old legacy providers. Now am I all of a sudden going to move everything over", "to this account and close my old bank accounts down? I'll let you know at the end but in", "the meantime here are all my thoughts and my verdicts.", "First things first, quick summary. Chase Bank is an arm of the US giant JP Morgan and they", "serve tens of millions of customers all around the world and this is their first venture", "into the UK to get their hands on some of the best digital accounts in the world.", "It's a digital only bank meaning that there are no bricks and mortar branches looking to", "open any time soon and everything needs to be done through the app or you can get hold", "of their customer service team which is also done through the app but I believe they do", "have some real humans based up in Scotland. The headline and the attention grabber really", "is this 1% cash back on everything you spend. Outside of that there are a few other features", "but it's not exactly ground breaking in that anyway.", "A quick reminder that the 1% cash back needs to be enabled to get started and this is done", "in your account.", "So as soon as I'd pressed it, time to get spending. Challenge accepted.", "On a plus note, the cash back from the card was paid very quickly, normally the next day", "after I'd made the payment and this goes into this spot here as you'll see on screen now.", "Which you can then do with whatever you want and you can see here that I've just transferred", "my small amount back into my current account balance to use.", "Outside of the headline figures there are a few more things which would be interesting", "new customers.", "Firstly, like some other digital bank, there are a few other things that you can do to", "get your money back.", "You can create alternative pots, as many as you need to separate your funds.", "Now I've made one here on screen as an example called the rainy day fund which is currently", "empty because it rains here in Manchester a lot.", "Let's move swiftly on.", "But this could be useful to create a pot for an emergency fund, a sinking fund, car repairs,", "bill payments or even a small holiday savings pot.", "Keeping it outside of your main account which will help you budget better and potentially", "avoid that temptation to spend all of the money in your current account.", "Also these pots do look to have a little bit of a difference between the current and the", "past.", "partner to send you their half of your bills payment to this pot without actually needing", "them to manually transfer it themselves.", "It looks like also you can open as many as you need and you can see here that you can", "change the logo and change the colour of the icon to help keep yourself organised and name", "it whatever you like.", "Going back to spending, let's quickly touch on the other feature which might help you", "actually get some money and get good with managing it.", "The account does allow you to round up on all payments up to the nearest pound and then", "this spare change will go into another pot.", "This is a very generous amount of interest and you'd struggle to find anything close", "to it on the market from any kind of savings account.", "But just remember that you'd have to spend a small fortune to actually make any significant", "cash.", "I do think it's a good thing and like the multiple pots of change, will help people", "who struggle with saving money and budgeting so anything like that gets a big tick in my", "book.", "megabucks.", "Another point to add here is that you can't hack the system and suddenly throw money into", "this savings account and make 5% on your cash.", "This only applies to roundups meaning that you have to create it through spending.", "Although if you want a free hack I did just read somewhere on reddit someone was buying", "amazon gift cards for like £10 and 1p so it would round up as nearly the whole pound", "so 99p per time is the most you can get on a single transaction.", "There's always that one person you can rely on to squeeze a little bit of extra money out.", "Sending money into the account and out was pretty simple enough to set up new accounts.", "All payments and spend show up with the logo of the company you have paid as well which", "is quite a nice feature that we are seeing more and more with SmarterBank so you can", "keep an eye on how much you spent on supermarket shopping that week.", "Oh and one more thing which is more of a handy tip, you can see all of your card details", "and pin inside the app because the card itself doesn't show these details to protect your", "info.", "So all good then, sounds pretty nice.", "What about the downsides of the experience?", "Well here's a couple of points I highlighted in my last video.", "1.", "The 100% headline cashback is only valid for a year from when you activate it so you", "better get spending if you want to see any money back.", "But then you might end up overspending so it could defeat the purpose.", "The offer is really good though and you can't deny that, nothing really comes close to it", "unless you want to open up some paid for Amex account, something I used to have for years", "before calling it a day with one of their premium cards.", "Another point worth noting is that it's only been this month in 2022 where the account", "has had direct debits working.", "Which are of course essential if you want to become serious about becoming someone's", "main bank.", "I know a lot of people were really concerned about this one, I've not tested it myself", "but all I can say is that they have confirmed that it is set up on an email they sent to", "customers and I'll show what that actually looks like on screen now when I received it.", "Outside of that I can't be too critical, it's not exactly promising a lot more for", "new clients.", "More competition is always a good thing in this space but you might argue that it's", "already extremely competitive.", "You've got the likes of Monzo and Revolut and they've stormed the UK already and even", "more names like Starling 2 have filled that gap that the old banks were slow to move into.", "How much more choice do we need?", "Well for me I'm not too sure.", "I wonder where the money can be made in this space unless they start to offer some other", "services like loans, overdrafts etc or even premium bank accounts.", "That must be where the money is made if you can try and get £10 or £20 per month out", "of someone for a host of benefits which mostly get unused if we're being honest.", "So who's this for and what's my final verdict?", "Well I can see this being a really good account for someone who's just getting themselves", "started.", "Someone who needs a bank account and can literally set one up in just a few minutes on their", "smartphone with a trusted name bank.", "And take it easy.", "Although saying all of that it's not like you can't do that with Monzo anyway.", "However if you're disciplined and give it a go that 1% cashback is still worth having.", "It's free money and as long as you weren't going to spend it anyway why the hell not.", "I also really do like the features of rounding up in the separate pots which could be good", "as a shared account to use between a couple in a household or even a group of students", "or something similar.", "We're already not very good with managing our money in the UK if we're honest and it's", "not something anyone is taught from anyone at school.", "So if there's something that helps out even a little bit then I'm all for it.", "Oh!", "And I suppose you could say that if you like the colour blue then this could be the bank", "account for you.", "But come on it's not like you're exactly Gollum and this is the ring you've been", "searching for all this time.", "For you out there who are experts in switching bank accounts and making the most of offers", "you'll love it I'm sure.", "But for someone already established with one account I can't see them moving everything", "over.", "I'll be using this one on the side until the cashback runs out then.", "Maybe it'll be my backup account if I don't want to expose my debit card details out to", "anyone.", "But to be honest I never do this anyway and would always prefer to pay on credit cards", "so.", "It's the darkest deepest part of my wallet.", "You know the bit behind the cards and in front of the cash which you've probably got some", "other weird things lurking.", "Feel free to check out my initial first impressions video on the topic of the Chase bank account", "for any other info.", "There's no affiliate links here or bonuses we can get for signing up so please just drop", "me a like if you've enjoyed the video and subscribe for more.", "My channel is all about personal finance and investing from here in the UK.", "I'll see you in the next one.", "Happy investing." ]

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[ "What makes an HSA so great for long-term planning is funds roll over indefinitely. One of the best features of health savings accounts is the fact that they don't have that use it or lose it rule.", "Once money is deposited into your account, there's no time limit on when it must be spent on qualified health care expenses.", "Which means when deciding how much to deposit to your account each year that you qualify, you don't have to worry about estimating how much you'll need for that.", "Best advice here is to save as much as you can.", "And it's a great tool for retirement. Once you retire and join Medicare, any funds in the account can continue to be used for out-of-pocket medical expenses.", "But they can also be used to pay your Medicare premiums, as well as for long-term care insurance or stays in a nursing home facility.", "Since health care costs are one of the biggest expenses potentially facing people in retirement,", "your HSA is a great tool for saving as much as you can.", "HSA is a great place to save to help out with that expense.", "And of course, there's no taxes on qualified withdrawals.", "Another of the best features of HSAs is that you get to deduct your contributions from your income.", "Then, as long as you use withdrawals on qualified health care expenses, there's no taxes there either.", "Any growth on your account through the years is also tax-free, which is why I like to say they are a triple tax free.", "There's so many other things to love about HSAs, so I'll try to squeeze in another video on them before Financial Literacy Month is over." ]

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[ "Now these are the points I need you to take note of and understand. Number one, any company with", "an annual turnover of less than 25 million Naira is exempt from registering for or charging value", "added tax, which is 7.5% in Nigeria. Under the VAT Direct Initiative, traders in VAT exempt goods", "such as medical and pharmaceutical products, basic food items, educational books and materials,", "baby products, fertilizers, locally produced animal feeds, locally produced sanitary pads", "or tampons and agricultural seeds and seedlings are not required to charge or remit VAT.", "So if your business does not include these items I have mentioned, and if your yearly turnover", "is above 25 million Naira, and you're a trader, and perhaps you're a Martin member,", "then don't do it.", "This is for you. Now for Martin members eligible under the VAT Direct Initiative,", "the unique ID will be given to you, as well as a tax identification number 10.", "I hope you understand the VDI now. Please share this for educational purposes.", "Follow us for more on all our social media handles that you see on the screen.", "And don't forget to subscribe to our YouTube channel at Moneyline with Nancy TV.", "Thank you." ]

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[ "आपको भी बहुत ज़गर स्पैम कॉल्स आ रहे ना", "तो कुछ चोटी-चोटी चीज़े हैं वो अगर आप कर लेंगे तो आप इन सब चीज़े से बच सकते हैं", "सबसे पहले किसी भी unauthorized या फिर illegal app या software को download मत करें", "और अगर कोई website खोलते हैं जिसमें बहुत सारे pop-ups आते हैं अचानक से तुरंट browser को बंद कर दीजे", "number 2 अपने withdrawal limits को set कर लीजे जितना minimum उतना better", "number 3 अपने bank account अपने details अपने passwords जो हैं उसको अपने phone या laptop में save मत करें", "थोड़ी से महनत लगेगी पर manually अपने passwords को type करें", "इसके लाभा आपके बस WhatsApp पर international messages भी आ सकते हैं तो आपको थोड़े से तो आप टेम्ट होंगे कि पूछ लें कौन है कहां से number मिला पर आपको कुछ नहीं करना है आपको सिर्फ उनको report करना है उसको delete करना है और भूल जाने दें", "और सकता है इस वीडियो में मैं जो भी बात बोल रही हूँ आपको लगेगी कि ये तो बहुत ही obvious बात है यार लेकिन maybe आपके friend या आपके family में कोई ऐसे हो सकते हैं जिनके लिए इन मिसें कोई चीज़े new information तो आपको जादा महनत नहीं करनी है आपको बस share करना महनत हमने कर", "लिए यहाँ पर बहुत ही" ]

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[ "I don't think a lot of people do background checks before they start dating someone.", "So why were you concerned?", "I just felt that this was all happening too fast.", "The stories she was telling us about him and how quickly they fell in love with each other,", "the pet names they were calling each other within two weeks,", "and the plans that they were making.", "I just felt like this is not sounding right to me.", "So I just asked her, did you Google him?", "Did you look him up?", "And she assured me, oh, yes, I Googled him.", "I looked him up on reflection.", "Now I'm wondering if she was maybe hedging the truth a little bit.", "So that's why I wanted to dive in to try to figure this all out.", "So before I ask you another question, Shelley, I want to ask you, Linda,", "I've seen so many different shows where scammers will say, you know, you're my queen.", "You're my wife.", "But they never really call you by your first name, do they?", "No.", "Yeah, I was a queen and he was the king.", "And that's, you know, the name of our book, Her King, the Khan.", "But at the time, you know, there's a lot more information that has come out since I was scammed.", "I had no idea, no clue in the world that they used this ruse of king and queen", "so that they didn't have to remember every person, every woman's name that they might be talking to.", "Now, Shelley, when did you?", "Think that Scott was a scammer?", "I thought I was getting input from other people who Linda knows and everybody was agreeing.", "This is not right.", "This is looking very shady.", "So I think because all of us were on the same page, her friends, her closest relatives,", "that, yeah, we realized pretty soon that this was not going to end well.", "But in the back of my mind, after every story Linda told me about him, I wanted it to be real.", "I wanted it to be true.", "I wanted it to be true for her, too.", "So I think I was the last one of the group to really come kicking and screaming", "that we had to do something about this.", "That's when we got serious and we hired a private investigator and so on and so forth.", "Well, of course you want it to be real.", "She's your sister.", "And you want, you know, your sister, your friend.", "I mean, we all want to be happy for people that are close to us because we want them to be happy as well.", "Now, I'm going to talk to you about the private investigator.", "But first, Linda, I want to ask you.", "You know, you were becoming brainwashed.", "When did this begin and how helpless did you feel?", "You know, and how did you realize you were brainwashed as well?", "Well, I'll tell you, it was quite a revelation when I did finally realize,", "because first of all, I had to acknowledge before anything could happen that, in fact, this was not real.", "And then after that processing and then just, you know,", "reflecting and looking back at what had happened to me,", "that's when the realization of how brainwashed I was.", "And that's when I realized, too, how good they were.", "They were really, really good.", "The only thing I would say, Elizabeth, that I think, looking back, that I learned from,", "is that when you set up your profile, your dating profile, to keep information at a minimum.", "I put my whole life out there.", "Everything that I felt, what I wanted.", "And so all they had to do was just come along and go, oh, bing, bing, bing.", "Okay.", "So they're very, very good at what they do.", "And even if you're the smartest woman in the world, which I'm not claiming to be by any means,", "but even, you know, of average intelligence, they were really good at what they did.", "You know, Linda, you touch about something that's really important.", "There's two things here.", "Number one, it doesn't matter how smart you are.", "It's actually how distracted you are.", "You know, people don't realize that when you're distracted,", "this is when you become like a full-on victim.", "But you kept saying the word they, they, they.", "It's not just one person that you're dealing with.", "Oh, no, not at all.", "And that's why I say the sophistication level of this group that got me.", "I know that there were people that were priming him, that were, you know, that had mental.", "Supervising him.", "They were supervising him.", "Definitely supervising.", "Okay.", "He had expectations on his end that he needed to get from me to pay the boss.", "So he had a quota per day?", "Yes, he had a quota.", "Yes, definitely.", "And he had a timeline.", "And so that's when a lot of the pressure would come in when he would really start.", "Because I would say, no, no, no, I'm not comfortable doing that.", "Oh, but, you know, and that's when the pressure would come in.", "And he told me a little bit about it at the very end.", "I think you know that in the book, Elizabeth,", "I did talk to my scammer months later when he told me a lot of what, you know,", "he had gone through on his end.", "And so that is one of the things that he told me is that he was part of a group." ]

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[ "here at our new Tripoli office. And I'm Kayla Schnoman, the assistant branch manager at the", "Klossville office. Kayla and I are here today to talk to you guys about proper credit card use.", "Kayla, you know what one thing I really love about credit cards is? The convenience. I just have to", "carry this small card in my purse. I don't have to carry a big wad of cash. That way if I lose it,", "I just have to make a phone call. They'll cancel my card, they'll send me a new one right away.", "You're right, Beth Ann. But the downside of having a credit card is overspending. It's very easy to", "overspend. Try to avoid buying things that you can't afford to pay back in a timely manner.", "This is very true. And another disadvantage is those high interest rates. They're probably one", "of the highest out there for credit. That's why you should try to pay your credit card down", "in full when possible. Very true. And a good way to pay your credit card down is you can contact", "one of our loan officers here. They may be able to help you get a home equity", "loan. They may be able to help you get a home equity loan. They may be able to help you get a", "Did you know that some credit card companies offer rewards points like cash back,", "hotel points, and more? I did know that. And that is such a good perk. But even though you have", "those nice perks, you want to make sure that you're reading that fine print because sometimes", "there's hidden fees and those can add up so fast. Another benefit of having a credit card though is", "it does help build your credit score. It does. As long as you pay it off in full, then your credit", "score goes up. But if you miss those payments, your credit score can go down. Some important", "tips that we covered today are to make sure you pay down your credit card in full when possible,", "don't exceed your credit limit, and keep track of your spending. And by doing all of that,", "you can apply for one of our Visa credit cards. New Tripoli Bank offers them. If you go to our", "website, you can look for an application or stop in one of our offices and a community banker will", "be happy to assist you. And that's all for today. Thank you for tuning into this episode", "of Helpful Hints and have a great week." ]

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[ "आपको ऐसी प्रॉब्लम हो गया यह पर आप देख सकते हैं पेमेंट फेल्ट है यह रिचिड था यूपी ए पेमेंट लिमिट", "by your bank please try again after 24 hours note no money has left your account for this payment", "ऐसा बोलता है तो यह आपको क्यों ऐसी problem आती है बताऊंगा इस वीडियो में तो कैसे आप पैसे", "भेज पाएंगे बताऊंगा इस वीडियो में तो इस वीडियो को ध्यान से देखेंगे और last time तक देखें अगर", "तो यहां पर इस बंक की एक पर यहां पर आपने फोन पर गूगल पर या फिर पैटियम भी मि आए यूपीआई पेमेंट", "अगर आपने यहां पर", "की है या फिर आप ATM से पैसे निकाले हुए हैं इस दार 30,000 जिसे ने भी आपकी लिमिट है उसके बाद अगर आप", "यहां पर पेमेंट भेज रहे हैं तो आप यहां पर नहीं भेज पाएंगे तो आपको गाइस इसे यहां पर फिक्स करने के लिए", "आपको ऐसे पर पैसे भेजने के लिए आपको वेस्ट करना होगा थे 24γण टे स्यूनिस गट पूरा रुकने की जरूरत नहीं", "अगर अंबारा बद जाता है रात के 12 बजे के बाद आप पेसे भेज पाएंगे इसलिए तो आपको पूरा 24 वर्ड रुकने की जरूरत", "दिए अगर आपने शाम में डाल दिए पैसे तो आप 12 बजे के बाद डाल सकते हैं तो यह एक दिन की एक यह रहती है", "लिमिट तो मैं अपना समझ आया होगा अगर इच्छा लगा तो लाइक कीजिए शेयर कीजिए और चैनल को सब्सक्राइब करना दे लिए" ]

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[ "तो आप अपने पैसे रिकवर करने के लिए ये स्टेप्स फॉलो कर सकते हैं.", "आपने जिस भी आपके थूँ UPI ट्रांसपर किया है,", "आप उसके सपट सेक्शन में जाके इशू रेिस कर सकते हैं.", "या फिर आप भीम के ट्रोल फ्री नमबर पे भी कॉल कर सकते हैं.", "कॉल करके, आप ट्रांसक्शन की सब ही डीटेल्स बता के कंप्लेन ग्रेस कर सकते हैं.", "इसके बाद आप अपने बांक में जाके,", "ये branch manager से पैसे reverse करवाने के लिए request कर सकते हैं.", "ऐसे में bank एक facilitator की तरह काम करेगा", "और unintended beneficiary से contact करेगा.", "और कुछ भी काम ना करे,", "तो आप NPCI के dispute redressal mechanism portal के जापके", "complaint भी register कर सकते हैं.", "आप ये सभी steps follow तो जरूर कर सकते हैं,", "लेकिन payment करने से पहले सभी details अच्छे से verify करना", "आपकी responsibility है.", "ज्यादा से ज्यादा लोगों के साथ share कीजिए.", "बाबाई." ]

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[ "Yesterday morning, six o'clock, my phone pinged, it received a text.", "And it was this text, if you have a look, and if you're listening on the radio, I'll read it out.", "It said today, 0513, actually it wasn't even six, was it?", "NHS, you've came into contact with someone who has tested positive.", "Please order a test kit. And then there was a link.", "Now, I could, I mean, like it was 513 in the morning.", "So when I looked at it, I didn't notice the spelling error.", "You've came into contact. I should have noticed that, might have alerted me.", "And I clicked on the link and it up came what absolutely looked like an NHS form.", "And we're all used to filling these things in now, aren't we?", "So it said name, address, email, credit card number, because they said,", "although the test is free.", "Postage isn't, we're having to charge postage.", "And I thought, I'm sure I read something about the fact that they were going to start charging or something.", "So I even put in my credit card details.", "Off it went. And I thought, I thought no more of it until a bit later on.", "My son came to visit and I was saying, you know, I've had this message about the fact that I've been in contact with somebody with COVID.", "And I don't think I have. I mean, that's the incredible thing.", "I'd had a very quiet week.", "And I said, and what, how does that affect me coming into GB News this weekend, do you think?", "And he said, well.", "Let me have a look at the text.", "And he said, Mum, you shouldn't, Mum.", "Oh, for heaven's sake, what a dotty old bag I've suddenly become.", "And, you know, and he said, if you look at the top, the very top, you always look at the phone number it's come from.", "It was a mobile number.", "And he said, look at the spelling mistake.", "And you never click on a link, do you?", "And I, no, it was very early in the morning and I wanted to do the right thing.", "But if you get a text.", "So it's.", "You know, from the NHS saying, you know, you've got to come into contact.", "What do you do?", "You just automatically go and press the button, don't you?", "I have to say, I thought I was fairly wise to these things.", "And I know if you get an email sort of scammy looking thing that you that has come unsolicited.", "You never click on a link without really thinking it through.", "But the way it came, I just thought that's NHS test and trace.", "And it wasn't.", "And I'd given away all those details.", "I've frozen my credit card, of course.", "But I realise I've given them my.", "My things that are very useful to scammers.", "Yeah.", "Which is name, address, age, email address.", "How stupid was I?", "But, you know, easily.", "It is easily done.", "And I didn't think I'd ever fall prey to that sort of thing." ]

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[ "In this review, we'll take a closer look at the Lending Club business checking account and its features, benefits, and drawbacks.", "One of the main advantages of the Lending Club business checking account is its low fees.", "There are no monthly maintenance fees or minimum balance requirements, which can be a significant cost savings for small businesses.", "The account also includes a debit card, online banking, and mobile banking capabilities, making it easy for businesses to manage their finances.", "Another advantage of the Lending Club business checking account is the ability to earn interest on deposits.", "While the interest rates may not be the highest available, it's a nice bonus for businesses to earn some interest on their funds.", "The account also has easy integration with other Lending Club products,", "such as loans, and other credit card transactions.", "The account also has a large collection of loans and lines of credit, which can be useful for businesses looking for a one-stop shop for their financial needs.", "However, there are a few potential drawbacks to consider.", "First, Lending Club does not have physical branch locations, which may be a downside for businesses who prefer in-person banking.", "Additionally, the account has transaction limits, including a daily debit card transaction limit of $10,000,", "which may not be ideal for larger businesses.", "The account also has a large collection of loans and lines of credit, which can be used for businesses who prefer in-person banking.", "Overall, the Lending Club business checking account is a solid choice for small businesses looking for a low-cost,", "no-frills account with the potential to earn interest on deposits.", "However, businesses with higher transaction volumes or those who prefer physical branches may want to consider other options.", "As with any financial product, it's important to compare fees and features from multiple providers before making a decision.", "For example, whether your business situation is a role model as opposed to a revenue narrative or just from братron standards,", "the Lending Club must look forereye holds anything that policies don't follow to determine the good or bad among Elected or Smart hy geeky operators.", "So, what can you expect from Lending Clubs?" ]

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[ "the most from your money whether that's making money saving money or helping you", "better manage your finances and that's what I'm going to talk about with you", "today is a bank account review for Starling Bank. Here you go I've got a normal", "Starling account and I've got a business Starling account. I'm going to focus on", "this one this mint green they call it this is the main Starling account so", "that's what I'm going to take you through. I've got my phone here with the", "app as well so be able to go into that and sort of take you through so you can", "see some of the features see some of the things and how it works and how it", "looks because it is quite different to your normal high street bank that you", "might be with for years and years and years and that's because Starling along", "with places like Monzo and Revolut they have been built from an app perspective", "from the very very start they did not have any kind of history where they've", "got all these legacies and red tapes that they've got to work around and move", "one structure to another structure from you know paper banking to digital", "banking to app banking no they started with one of these we were", "phone with an app everything has been designed to work this way and that means", "they can do all sorts different things and Starling along with Monzo I think", "I mean some of the most innovative ones out there now I have got a previous", "video where I've looked at Starling and Monzo and Revolut and Moniz and compared", "them but this one can go into detail particularly on Starling Bank because a", "few things have happened recently which I'll get into which I think means it's", "worth having a new look at it a fresh look and seeing whether this could be", "the number one bank for you the one that you use day in and day out", "so first of all let me tell you a little bit about it started in 2014 so it's", "still pretty young it's a new bank but it has become one of the most", "established of these challenger banks Monzo does have more customers but", "Starling has got one and a half million so far and it is proving very popular so", "not just in that personal current account but you can also get joint", "accounts teen accounts there's a new kids account that's come out and there's", "also the business account again as I said this focuses on that kind of normal", "current account which is essentially the joint accounts are the same and the", "other accounts are the same as well", "business features are very similar as well so you're thinking get a business", "account the things are going to tell you about now will be the same there are a", "few extra bits and pieces you might want to look out I do have a video about the", "best business current accounts to do check that one out too now something", "probably to lead on because this might rule out Starling for you as I mentioned", "this is a bank that has been developed from scratch to be used on your mobile", "phone and that means one very very very big difference to normal banks there are", "no branches you will not be able to go into a branch and tap to someone or do", "whatever it is you might do in a bank", "none of those exist now for most people I don't think that's going to be a", "problem when did you last go into your bank for any significant reason probably", "very very very rare that you've done that but you can't do that with Starling", "it is not an option now if let's say you get cash maybe that's one reason why you", "might want to go into your bank to pay that in it could be a birthday maybe", "someone's paid you some money that they owe you you can still do that but you", "have to go to a post office instead but they won't charge you anything for this", "unlike Monzo where you will get charged for depositing cash in one of the payplaces", "you do charge nothing for using the post office so that's a bonus hopefully that", "will mitigate most of your problems if you've got a check most people don't", "have checks nowadays don't use them you can use the app to pay them in which is", "fantastic I've actually been using that a lot over lockdown because I've been", "shopping for an old lady and she's been giving me a check to pay in and I've", "been using both my Starling account and my Halifax account to do this the", "Starling one does have a weekly limit you can't pay in lots of checks but let's", "face it that's not going to be an issue for most people either so I think on the", "whole you're going to be fine if you're worried about customer service and", "how you actually get support there are phone numbers you can call again you", "can't bank on the phone you can't make them do anything with your money but", "they can help you fix things and also there's a live chat and also kind of", "email service within the app where you can get that support that you need okay", "it's not necessarily going to be instant but let's face it if you phone any bank", "you're probably gonna wait for a while but that's the big thing if that rules", "you out fine stop watching now but if you're happy with having a bank which is", "digital only then this could be a really good option and something that's happened", "brand new one of those things I've mentioned that's just just happened", "right now is that you can get a bank account and you can get a bank account", "you can also access your account on your desktop this is just in the start of", "October that's when you've been able to do it most of the features that you've", "got on the app are on the desktop so you can do everything you want to do you", "might need the app on hand to approve transactions to set up a new person or", "move some money you can analyze your spending and things like that on your", "desktop as well as your app which is a great thing it's been around for", "business banking accounts for a while now but all customers can now access", "that another really important thing to say here is it is a UK regulated bank", "which means it has to be a UK regulated bank which means it has to be a UK", "regulated bank which means it has to be a UK regulated bank which means it has to be a UK", "that's where if the bank was to go bust was to go under your money is", "protected by the government up to 85,000 pounds really important one Revolut for", "example that is not a UK regulated bank it does not have that protection but", "Starling along with Monzo they do which is a really good important thing to look", "for if you're going to have any sort of sizeable sums of cash in your account", "now Starling is a free bank account there are no charges to open up your", "account and use it on a daily basis there are a few extra charges that you can get", "through the bank in the UK and some are free but there are some charges coming", "in on the 4th of November 2020 but most people they're not going to be impacted", "by this so for all intents and purposes it's going to remain a free bank I'll", "quickly run through some of those charges and there will be two pound", "charge per additional personal or joint account so you can have one free", "personal account one free joint account if you want more than one and you can", "you'll get charged two pounds there's gonna be a five pound charge for", "replacement cards now you'll get your normal if the cards expired you'll get", "that replacement for free and you can lose a card and ask for a replacement", "once for free every single year there's only going to be if you're someone who", "loses the card at least twice are you gonna find that payment now you could be", "unlucky but most people they're not going to be impacted by that and there's", "a thing I'll feature I'll talk about shortly called connected charges there's", "gonna be a new two pound a month fee for those there's gonna be a twenty pound", "chaps payment fee but again most people aren't who making chaps payments and", "finally if you have a euro account and that's an additional account and you can", "set up once you've got your Starling account which is in euros very simple so", "it's great if you're someone who really needs to be able to get a free card and", "going over there or your maybe your job pays you in euros and you want a UK", "account as well and that is gonna have a nought point minus nought point five", "percent charge for anything over fifty grand so that means potentially it's", "negative interest rates you will be charged for having that much money but", "let's face it most people we're not gonna have that much cash in there most", "Starling users so that's what's happening so for all intents and purposes", "it remains a free account it won't cost you a thing", "now to get one of these you have to download the app so you can get that on", "iOS you can get it on Android no problem at all you are entering your mobile", "phone number that will authorize you get a code so this is you you have to scan", "in a photo ID so a passport or a UK driving license again you have to be a", "UK resident over 16 for this and then once they've authorized you through that", "they take a little video of you like a selfie video you have to repeat a phrase", "and a code and you move your head while you're doing it and that again those", "things authorize who you are verify who you are and then you can get your money", "are and then you've got your account it's really really quick takes no time", "at all your card I will then be sent to you in the post within a couple of days", "it doesn't take long at all comes a nice little fancy envelope and you'll get the", "card you know one like this in that kind of mint screen if you're getting a", "normal personal current account far as the pin is concerned you set that", "yourself when you apply for the account so that's really good you don't have to", "worry about when it comes to the post remember what it is and then go into a", "cash machine and then changing it no you have selected that pin when you've opened", "the account so it's really really simple all you're waiting for is that", "card to come through and you can start using it so let's have a look at some of", "the features I've got my phone here I'm recording the screen so I'll put that in", "the big gap over there so you can see what I'm doing open up the app and", "there's a face ID for me you can do thumbprint as well it weighs an extra", "bit of security if you don't have either of those then you're into a pin code you", "have to insert pin code to open the app so it's nice and secure that way someone", "can't pick up your phone and have access if they don't have that biometric", "details or if you've given them the pin but you shouldn't be doing that don't", "give anyone the pin for your banking apps I might say this when you go open", "the app you'll get a sense of what you spent on that day and what you spend", "that month I haven't spent anything and I haven't got much money in there", "because I don't use this as my main account but if you do you'll see all the", "different transactions you've made on that day straight away on your first", "screen so it's just like a kind of a quite a clean entry page I kind of think", "it's a bit wasted I'm not a big fan of this entry page maybe there could be", "more information on there at first glance but if you scroll up swipe up and", "you get all your recent transactions as you", "can see a lot of check payments for me for that old lady that I've been doing", "her shopping for someone paying me some payment to a friend there payment to", "another my bank keep going like that it's pretty much all the same kind of", "stuff but that's the main sort of things you can see what's been going on check", "your transactions a few other tabs at the bottom here let's have a look at", "payments a couple of things here to look at scheduled is really good now if I had", "all my bills in here my direct debits it'll be appearing in one go so I could", "quickly see not just who I'm paying money to so I don't you know forget any", "orders and direct debits also when they're coming out it helps you plan", "ahead helps you know hang on this amount of money is going to go out on this day", "you go back to your balance have you got enough money it's a really nice way of", "tracking your spending you also got a payments tab there again there's no", "information in there for me right now but again it's a nice way of seeing", "people you've recently paid people you want to pay if you've got other", "starting accounts they appear in there as well", "let me hit spending now I've jumped here to October 2019 because that was the", "last time I use this card when I was on holiday but it would give you a list of", "the transactions that I've been shopping with and one of those it bundles them", "together so although I've got haven't actually got any repeat ones here if I've", "been to let's say I hope this was on when I was a holiday more than once I", "would hit that and it would show me all the transactions from IHOP so it groups", "them together which is quite nice so you kind of might be a bit if you're not", "sure where your money goes you go in here and go blind me I'm spending a lot", "of money on uber a lot of money on Amazon that's a really nice way of", "breaking it down if you hit categories again you can they're automatically put", "into those different areas so you can you see here in October I spent 81", "pounds of 31 pence on transport if I hit that again it's two two petrol stations", "there but it's a really nice way of helping you budget and keep track of", "where your money is going I think it's not too dissimilar to what Monzo's got I", "think it's really about personal preference which one is best I think", "Monzo's possibly a little bit better but this is fantastic so I think you'd be", "very happy with this and helping you track your spending and again similar", "you can hit the income tab and it shows that I've transferred money in", "from one of my other accounts so pretty simple there you're spending money you're", "sending money to people people are sending money to you money's going out", "of the account all that kind of stuff much much easier I feel to track it here", "is something like Starlink than it is in any of the banking apps I have and", "long-term viewers and readers of the blog will know I have about 14 different", "current accounts and therefore I've got about 14 different apps that I've seen", "and used for all the different banks this really is I think stand out", "compared to most of those others again only Monzo really has I think any kind", "of security measure so let's hit card this is a really interesting one I have", "to blur some of these features out for you but you can see straight away at the", "top there a bit blurred out right at the top where it says Starlink Bank", "that is my card number expiry date and those three digits from the back yes if", "you don't have your card on you you want to spend money open the app and you can", "make a payment which I think is a really lovely feature I've also blurred out a", "online payment code here that's a useful thing which changes quite frequently but", "you can it helps to kind of authorize you it's an extra security measure I've also blurred out an online payment code here that's a useful thing which changes quite frequently but you can it helps to kind of authorize you it's an extra security measure", "but where this stuff gets interesting in this section are down here you have", "card and currency control let's have a look at that these are some of the", "things you can do you can turn off your card for ATM withdrawals it cannot be", "used for cash machine withdrawals so this last section to talk about on the", "app are spaces very similar if you're familiar with Monzo to their pots the", "idea is you can set up a section a separate section within the app and move", "money in there and it's completely separate to your main balance so there's", "no risk if you accidentally spending cash you were putting towards", "a holiday or what emergency pot whatever it might be it's completely separate", "over there you can name them with whatever it is you're saving for you", "can quite a few of them I've set up a couple of dummy ones here I've got a", "festival one as if I was saving for a festival holiday if I was saving for a", "holiday I can transfer money over if I want to from the account put it in there", "or I can activate something called roundup this is a cool little feature I", "spoken about before in terms of savings but every time you spend money let's say", "spend one pound eighty in a shot 20p would also be moved from your main", "balance into that saving space where you've got that set up so it kind of", "helps you save a little bit extra as you go along lovely feature lots of banks are", "doing that right now but yeah Monzo and Starling were amongst the first ones", "with that and you can do that quite nicely I've also got this connected card", "space here I mentioned that earlier on we talked about the fees this is a nice", "one where you can get an additional card which is linked to a space capped at 200", "pounds you can't put more than 200 quid in there but you can give that card to", "someone and they can go out and use it and the money comes from your account so", "there's no problems there in terms of you're dealing with cash or checks", "afterwards although that's not much of an issue probably quite handy if you", "can't leave the home for any reason maybe you're shielding you've got one of", "these you give it to a neighbor they can go and shop with it you set the pin they", "spend the money they can only spend what's in that in that space and if", "there's nothing in that space they can't spend anything at all can they so I", "think that's really really good loads of great features in there as you see it's", "very different to so many other banking apps a few more bits and pieces just", "show you quickly if you tap this to corner up here and it's a little bit more of a", "information personal details and get your statements again you can get them", "on the desktop one as well get them as a CSV file or as a PDF and either on", "desktop download them to your computer and use them how you want to or here", "just email them to yourself I've got your help if you have a bits and pieces", "really the things in here pretty much the stuff I've already shown you it's", "just another way of getting to it one last thing to tell you about a feature", "within the app you can very very easily share your account details show your", "account details and your account details and your account details and your", "sort code with friends you can either forward them as a text message or", "whatsapp message whatever it might be to somebody else if they owe you money for", "a meal you can quickly work that out from a transaction and send them an eye", "on you with those details they can quickly and pay you back you can also", "copy and paste details so let's say you're setting up a direct debit", "somewhere else on your phone or you are in another banking app trying to", "transfer money to your Starling account you can copy it and then paste it", "straight in none of that having to worry about remembering what the digits are", "which I struggle with I don't know about you but I struggle to remember stuff I", "have to go back and forth every three or four digits so that's the app source", "anyway a few other things to tell you about with the card itself you might", "have noticed there's no number on the front that's because all those details", "are on the back it's a nice little security feature I suppose it's probably", "most useful to people like me who are showing you your card showing you my", "card so you can't see what those details are everything's on the back including", "the expiry date and the three digits and all of that kind of stuff gives it a", "nice sleek look I think it's a nice looking card if that worries you too", "much", "lot of the others also with this card when you use it overseas or on a foreign", "website you won't be charged any money at all in terms of transaction fees you", "will get the real exchange rate yes other places do that Starling stands out", "I think over the others because when you use it for cash withdrawals overseas", "then there are no limits no charges at all you can take out as much as you want", "from those cash machines up to those daily limits now that's even more", "important now because Monzo not only has it got that limit on", "overseas cash withdrawals and they've also bought that into UK ATM withdrawals", "as well now we don't take money out very often but if you think you will it's", "another reason why Starling has that slight advantage over Monzo in terms of", "interest you don't get very much with Starling at all you get 0.05% on the", "money in there now that is more than you'll get with pretty much most high", "street basic banks which haven't got a special savings feature but it's not", "much at all it's hardly anything to shout about we aren't talking about much", "of a return each year and that's why I'm so excited to be back here with you today", "and we'll be back with you in a bit but before we do that I want to remind you", "that you can get a free credit report from that in terms of overdrafts", "Starling does have the edge over a lot of the other banks right now now", "depending on your credit report your overdraft rate is either going to be 15%", "25% or 35% now any of those are actually lower than what most banks are charging", "now most of them are going on to about 39 40% which is a huge amount whole video", "that you need to check out you use your overdraft you need to check out this", "video so 35% it's a little bit less than that 25% is less than that and 15% again", "but none of them are fantastic the same way so I'm going to go back to the", "kokudo miserably profitable morning yeah that's right that's the new nhân", "afghans looking at what you need If you give yourself", "two loans will give you fifteen quality ор zweiados and one thousand", "and then set them up with registration or are good to go versus one or two", "loan they'll tell you very quickly if you've got it and then you can manage it and monitor it", "and make those payments from within the app however if you're getting a loan a personal", "loan you need to do a full market search you need to see what other rates what other terms", "are on offer from other places and you might find you can get a much lower rate of interest in fact", "you probably can so don't just because you've got the app think that's an easy place to get", "the money no have a look around and so you make sure you are getting as i say", "the cheapest possible loan in terms of the interest that's going to be added onto the", "money you borrow so there you go you now know a little bit about starling how it works what it", "offers you've seen the app you've seen how different that is to most banking apps although", "a lot of the other banks are trying to add similar features trying to catch up with starling and monzo", "and offer similar things starling i think still does it better than all of them and let's face it", "if those banks are copying these features what are starting to do next what are the new features the", "new innovations that it will introduce i definitely think if you're keen to get a new bank and have", "changed your banking", "you're looking starling is a really great option for you as i mentioned a few times i think it has a slight edge over monzo mainly things like the ability to pay money in a post office pay a check in with the app to take money out anywhere in the uk or abroad without any limits and i also really like i think it has a few extra controls for your card which i think give it again all that stuff gives it for me kind of the edge over monzo so i would use that the only kind of bit there is maybe if you want it for budgeting features you could use that but i think it's a really good option for you if you're looking for a good", "mounted store same as the bad", "bei", "some balls", "forty", "free", "salary", "budget", "and to wait most of your money there, I would always have a separate account with some money", "in there in case things go wrong.", "Now they might not ever happen, you might be fine.", "But for example, it's only on your phone.", "The only way to access your account is via your phone.", "Even the desktop option, which is a fantastic innovation, great that we can do that as well", "now, you still need your phone to authorize your login to the desktop.", "So until you get a new phone, until you install the Starlink app again and you get your account", "set up on there, you are without access to it at all with your money.", "Yes, you can go to the cash machine, take cash out, you go to the post office and take", "cash out, but you can't do any payments, you can't do any mess with your standing orders", "or anything like that.", "Okay, so always have money available to you elsewhere in case you need it.", "Similarly, although it hasn't happened to Starlink, we've seen problems this year with", "a lot of the FinTech firms where the payment processor went awry and no one could access", "their money again.", "We saw it with, again, TSB is a normal bank, but again, digital banking went down.", "Other banks have had a similar thing over the last few years.", "If you have just one bank and it is an app-based bank, you have no backup to access your cash.", "So again, that high street bank, for whatever reason, at least you can walk in there and", "do something.", "Even if it's only a small amount of your cash, you can do something with that money.", "It's also worth thinking about some of the benefits that you'll get from some of those", "high street banks.", "If the main reason you're looking at this Starlink review is you think, I'm fed up with", "whoever it is.", "I want to move to a new bank.", "Starlink sounds exciting.", "Well, you can open up a Starlink account by all means.", "Do that.", "Move your money over there.", "You could do a partial switch, but you should be looking at switching bonuses and get some", "free cash elsewhere.", "So move that money.", "I've got, again, more information about that over on the blog and I'll link below to that", "as well.", "There are also accounts which offer things like interest on your savings.", "At the time of recording this, you can get 2% from Nationwide for a year, 2.02% from", "Virgin.", "Yes, it's on a small amount of money, but that's more than you're going to get if you're", "leaving it there in one of your spaces.", "Or just your normal Starlink account.", "Or you can get cash back on your bills from the likes of Santander, 123 Lite account.", "So there are reasons for you to have a separate account elsewhere, maybe more than one of", "those, doing certain things.", "They give you advantages like savings, like cash back, but they also potentially give", "you that security if something was to go wrong.", "But if you get that in place, then yeah, I think Starlink is a really, really good bank", "to go.", "And it's also worth noting it scores quite well on ethical consumers ranking of different", "banks.", "It's not right at the top, it's not as high as Triodos or Nationwide, but it does do pretty", "well.", "And that's partly because it doesn't do any bad things, so to speak.", "So it's not investing in nuclear weapons, it's not investing in tobacco, it's not investing", "in oil pipelines or fracking.", "So it's not necessarily proactively ethical, but it isn't doing the things that a lot of", "the other banks are doing.", "And Ethical Consumer does say that it is marginally more engaged in ethics than Monzo.", "So not a ringing endorsement.", "But if you're looking at a bank that's not doing anything bad, then it's not a good bank.", "But again, a reason to go between Starlink or Monzo.", "Then again, Starlink possibly has that kind of slight edge.", "If you found this useful, please do hit that like button.", "Really, really appreciate that.", "Leave me a comment.", "Let me know if you use Starlink already, what you think of it, or if you're banking with", "someone else, why you're thinking of moving away.", "And don't forget, I also have a regular monthly rundown of the best current accounts, switching", "offers, interest available, overdrafts, cashback, all those kind of things.", "So that's probably if you're thinking of changing your bank, that's probably the next video you want to be watching.", "Until next time, cheers.", "And here are a couple more videos you might find interesting." ]

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[ "does my mango card expire? And the answer is no. In fact, you will probably expire before your", "mango card expires. I'm only kidding folks. But here's the deal, because we don't have annual", "fees like in a case of a Visa or MasterCard, we don't have to worry about the mango card", "expiring. We don't have to worry about your account being closed. We don't have to worry", "about any of those things that you might have to worry about with a normal bank card. And", "that's why mango is better than cash. It's better than cash because you don't have to worry about", "whether it expires at any time or not. So here's what I want you to do. I want you to go down,", "and remember our local top up is 10 dollars, to make sure that the mango ... That's the minimum,", "10 dollars. I want you to go down and remember our local top up is 10 dollars, to make sure that the mango, that's the minimum,", "If you want to have lunch somewhere today, you want to buy gas somewhere else, you want", "to do something else, you can use the Mango card for all of these. So go down, I want", "you to go down, I want you to put some funds on your Mango card at one of our top-up locations.", "Remember, our locations are places like Super Value, which is all over the place, Omni,", "which is on Frederick Street downtown, or even Universal Beauty Supplies, which is on", "East Street. I'll talk to you soon." ]

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[ "So I want you to go through one by one.", "Just give me your thoughts on it.", "These are individual stocks?", "No, this is everything.", "This is real estate.", "This is every single one of my investments.", "Got it.", "So I want you to look through this.", "Okay, so this is a piece of property, number one, purchased in 2012.", "59,000 cash, 12,000 rent out of pocket, 71,000 rent, 14,000.", "So this is a good investment.", "That was unfortunately a cash deal.", "The whole thing?", "The whole thing was a cash deal.", "I was all in 71,500.", "You couldn't get credit at that time?", "Right.", "So no bank wanted to give a 21-year-old a loan because I had no credit history.", "Okay, so right there is an important lesson.", "And I tell every millennial, even though I don't endorse credit cards,", "it's very hard to advance your credit rating without having one.", "So it's good to get a credit card, put maybe a $1,000 limit on it,", "and then start paying off, you know, use $200 a month.", "And pay it off every month." ]

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[ "Third internationally accepted fourth. It helps you build your Sibyl score fifth. There are a lot of cash backs and free offers" ]

[ 1 ]

[ "प्रॉब्लम गांज अभी एक बार मोबाइल को स्टॉप कर लीजिए यह ऐसा भी है और आपने मोबाइल को स्टॉप भी कर लिया", "फिर पर आपको एक प्रॉब्लम देखने को मिल रही यह गाइस बीए बैंक का सैफा डाउन है गाइस बैंक कि सर्वर डाउन", "प्रश्न प्रश्न" ]

[ 0, 0, 0 ]

[ "But before we do, I'm going to ask you to please subscribe to this YouTube channel if you have not already.", "And if you have already, I thank you for doing so.", "So Bank of America has a new Secured Credit Card, the Bank of America Cash Rewards Secured Credit Card.", "And I put new in air quotes because technically it's not new.", "It did exist before, but the only way you could get it is if you had applied for the regular Bank of America Cash Rewards card", "and they decided that they were going to reject you, but maybe they wanted to give you the chance to get this secured card instead.", "So it's sort of what I would call a hidden credit card. You could only get it if you were rejected for the other.", "Now they have put it out on the open market.", "And so if you are someone who is building or rebuilding credit and you were thinking about getting a secured card,", "this could be a very good choice.", "I would put it pretty high up there when compared to other secured credit cards on the market, almost at the very top.", "Although I do have one small concern about it, which I will tell you about in a minute.", "All right, so let's break the card down.", "The good news is that the Bank of America Cash Rewards Secured Card is almost the same as the standard unsecured Bank of America Cash Rewards card", "in that it has no annual fee and it offers the same rewards structure, that being 3% cash back.", "And so you can choose from a list of the three categories that Bank of America provides.", "Things like gas, online shopping, travel, dining, drug stores, home improvement stores, slash home furnishings.", "I think that's all the 3% categories.", "You get to choose one of those.", "There's also 2% cash back on grocery store and warehouse club purchases, 1% cash back on everything else.", "Now there is a quarterly cap on those 2% and 3% categories.", "So you will get...", "You will get the 3% or 2% on those categories up to $2,500 in combined purchases in those categories per calendar quarter.", "Now for a secured card, for a lot of people, they probably aren't going to have a super high credit limit.", "So the $2,500 is probably not something that most people are going to hit for the secured card.", "For the unsecured card, that is probably where that would be more of a concern.", "But anyway, you've got no annual fee.", "You've got the 3% to 1% cash back depending on what you're buying.", "The interest rate on this is a little bit higher than you would get from an unsecured card.", "It's 23.99%, but not necessarily out of line when compared to other secured credit cards on the market.", "So let's talk about that security deposit and also how secured credit cards work in general if you're not familiar with them.", "So the point of a secured credit card is to help you build or rebuild your credit score so that you can get yourself to a point where you can get an unsecured credit card where you don't have to put down collateral in order to have a credit card.", "So a secured credit card is a stepping stone to a regular credit card in the way that you normally would think of it.", "So if you get a secured credit card as security for the bank, you have to put some money in that they basically have as a backup, as collateral.", "So in this case, you can put down as little as $300.", "You can put down all the way up to $4,900.", "And however much money you put down, that is going to be the same as the credit line they give you.", "Now, you're not going to pay your monthly bills out of that.", "The security deposit you put, though, you are going to use the card like any other credit card.", "When you get your bill at the end of the month, you are going to pay from other funds.", "You're going to use it just like any other credit card.", "That money you put down is just a security deposit.", "It's just sitting there and it will be refunded to you when you no longer want this card anymore.", "You no longer need this card or you have been upgraded to the unsecured version of this card.", "So the point of the whole thing is to try to help you build your credit.", "And you have to put some money down.", "And you have to put some money down in order to take that next step.", "But you will get that money back as long as you have paid off all of your bills.", "And so that's the goal, right?", "To get to an unsecured credit card.", "To get that security deposit back.", "And hopefully, in this case, keep that Bank of America Cash Rewards card.", "But no longer have a security deposit.", "Just use it like a regular unsecured credit card.", "And this is where I'm a little unsure of Bank of America in terms of how highly I want to rate this card.", "And the reason for that is because...", "On the plus side, they do say that they will periodically check your credit history.", "And that you may qualify to have your deposit given back.", "And then you can continue to use the card.", "So that is a good thing.", "However, that's kind of vague.", "Periodically, how often does that mean?", "Does that mean once a month?", "Does that mean once every three months?", "Does that mean once every six months?", "And when are they going to start looking at your history with this card and the rest of your credit report", "to decide if they're going to use it?", "They may want to give you that money back.", "They don't say.", "So it's very vague.", "It just says, you know, get this card and we'll look at it every so often.", "And maybe we'll give you your money back if your credit looks good.", "Everything looks good on your record.", "But you don't really know what that means exactly.", "And so by contrast, if you look at a card like the Discover It secured card, which is the one I generally suggest as my number one in the secured card category, you will see that in that case, they say at eight months, they are going to give you your credit.", "So that is a lot more concrete.", "Here's when we're going to start.", "Here's how often we are going to look at it where Bank of America is a little more vague.", "And the track record for many people that have had the Discover It secured card is that, you know, in that eighth or ninth month, many of them do get their security deposit back and they can, you know, continue to use it.", "So even though it's a very good card, as far as secured cards go, that's the only part that, you know, kind of rubs me a little bit the wrong way, makes me a little unsure about it.", "But otherwise, it's really good as far as a secured credit card goes that is going to help you build or rebuild your credit.", "You know, if you're trying to take those steps, this one gives you some rewards along the way.", "Now, you're probably not going to have a huge credit line because most people aren't going to put down $4,900.", "They're more likely going to put down $1,000 or less.", "So you're going to have to pay a little bit less to get a credit line.", "But still, you're going to get some rewards back, which many secured cards don't even offer you.", "There's no annual fee on the card.", "And you have a path to potentially graduating to that unsecured card, even if it is vague.", "So overall, I give this card a thumbs up.", "If you get this card and you have any experience with it, I would love to hear about it in the comments section below.", "Or if you want to comment on anything else, I'd like to hear that, too.", "Otherwise, I thank you for watching.", "And as always, please go to ProudMoney.com.", "Where we do credit card reviews, we talk personal finance, we talk deals and all sorts of other fun stuff, too.", "Thanks for watching. Bye." ]

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[ "हूं सर आपको फोन पे में सर 15999 रुपया का कैस दक्षित दिया गया जो अपने तक रिसीव नहीं किया सर क्या इसको", "ले जा सर मुझे कैस बैक जी सर आप मैं आपको बता देता हूं सब देखिए आप फोन पे में सर जो है ट्रांजेक्शन ज्यादा", "किया सर अपने पर चेक कर लीजिए जो आपने सर एक बड़ा रिचार्ज किया है और जो एक बड़ा इमाउंट ट्रांसफर किया है किसी", "है वह सर वह तो में फोन पे से करता हुए था उस डेली यूज करता हूं फोन पे जो हमारे एवी वीडियो जो लोग ज्यादा", "पैसे ना सब्सक्राइब करें जाते हैं सर उन्हें लोग तरह यह जो है कैसे पर कमार्ट प्रोवाइड किया जाए तो", "आप लुटा रूप से जी सर ओपन कर लीजिए वह वेल्ड शॉप कोल राम यह जीसा अ", "है जीसा ओपन हो गया हां सर यह सर यह तो यह तो सर खोलते ही यहां पर दिखा रहा है", "लेकिन सर हम जब दोस्त दूंगा बाकी लोगों को सेंट करते तब पेट ऑप्शन आता है यह तो पेट रिसीप आना चाहिए तो", "सर लेकिन यह कंपनी से आपके अकाउंट में पेट कर रही तो आप इसको रिसीप करने के लिए आपको पेट करना पड़ेगा", "अच्छा सर तो कोई दिक्कत नहीं होगा दबा दूसर पेट पेट पेट कर दिया तब ही सर वह आपके अकाउंट में सब देखोगा", "हां सर पेट कर दिया सर पेट करने के बाद यहां पर सबसे एंड का ऑप्शन आ रहा है सर आपको अपना अकाउंट शो कर रहा", "है सर को सब्सक्राइब और यहां पर कोईसिड दिखा रहा है और यहां पर एमोंट दिखा रहा है यहां पर नीचे", "संघ का ऑप्शन आ रहा है शरीर अब में उस एहान्ट को था पड़ पर इसलिए अपने ओन को चीज कर लेना उसके बास आपको", "पर ऐसा है अगर मैं पर दबावांगो तो मेरे एक आउट में से पैसा सेंड हो जाएगा सर फोन लग दीजिए ऐसा कैसे हो सकता है", "सर सुनो हेलो सर फोन पे फोन पे वाले सर इतना बड़ा कैस बैक तो नहीं देते हैं सर एक तो बात ठीक है और एक तो यहाँ पर डेविट फ्रॉम बोलकर मेरा एक आउट में आपको देखिए मैं आपको बता दूं सर आप जो हमारी कंपनी में लकी कस्टमर चुने गए हैं सर", "हिवाराधम स्थिति करने के बाद अगर कोई दिल्कत आती है आपके ओमन से पैसे करते हैं नहीं…..", "एक तो जसर फोन में देते हैं एक तो फोन पे वाले भी इतना बड़ा कैस बैक नहीं देते हैं ठीक है एक बात और एक बात तुम्हारा नंबर", "बड़ा दम पर्शनल नंबर लग रहा है कोई कंपनी का नंबर नहीं लग रहा है और यह जो डेबिट फ्रॉम दिकारा नहीं", "यानि कि मेरे अकाउंट में से पैसा सेंड हो जाएगा और यह जो फ्रॉट टू कर रहा ने किसी और के साथ कर जाएगा", "यह सब मुझे पता है पहले से देखिए देखिए तो आप ऐसा नहीं बोल सकते हैं अरे जिस स्कूल में तुम पड़ाना उस", "स्कूल का हाट मास्टर हो ठीक है आपको लिखे ना उस अपने दिक्कत नहीं कैंसिल कर दिया लेकिन आप ऐसा फ्रॉट", "आप जाए ना उपयोग अभी आगे ना उकाद तो भी तो बोल रहा था फोन पे वाला कस्टमा के अरे अभी तो ऐसे बात करें", "ऐसे कोई फोन पे कस्टमा कर बात करते हैं क्या भाई देख तुझे नहीं लेना है तो मत ले यार अपने इस प्रांटी तू", "बनाado बिडियो कोशिउ।", "19 timeline को पड़े हुए गर्म से �empतया लगता है तू सरचरби कर लेता है...", "दिन 9 पेंड ज़ी संस्तीक पर देवजन देखें", "मजा लें और बोली जाए।", "ऐसा नहीं है ×ुदवू", "ये न Armenian लाई रॉद्ड snow", "ठीक है ऐसे लोग नहीं है सारे तुम्हारे तुम्हारे वहां पर हो गया ऐसे लोग बुल जाएंगे कर दिन पर", "तु बना आज बना ले कर दिया तो नहीं कर पाएगा तू लोग देख कैसे शेयर करेंगे वीडियो आणि", "तो अपना पर्सनल लंबर से तो रिना फ्रॉट करोगे साले फोन को एक कार्ड दिया तो देखिए इतना बड़ा अमाउंट", "कैसे दे रहा है कोई फोन पे वाले कैसे इतना बड़ा अमाउंट देते हैं क्या क्या यार यह पहले कॉल केस ने", "तब कैसे देख तब मैंने हस्सार को कैमेरा को रिकॉर्ड करें मैं कॉल को रिकॉर्ड कर लिया और ताकि आप", "लोगों को पता चले ठीक है यह जो फ्रॉम एन देली करते हैं लोगों के साथ सुना होगा आप आप � submation itself", "यह खुद ही बोला है यह काफी लोगों के साथ होता है तो प्लीज वीडियो को सेयर कर देना ताकि लोगों को पता", "चले इस तरीके से फ्रॉट हो रहा है फोन पर गोगल पर ऐसा पर ऐसा कैसे लालस दिखा के फ्रॉट कर सकते हैं और इस", "बहुत बड़ा अमाउंट लिखा है ताकि लोगों को लालस लगे और पेपे दबाए अगर मैं पेपे दबाने के बाद अगर", "सेंड करता तो मेरे अकाउंट में से सेंड हो जाता है बस आप सो गाइस यह बहुत बड़ा वेरनेस वीडियो", "प्लीज वीडियो को सेयर कर देना सो थैंक्स वॉचिंग दिस वीडियो बाबाई अ" ]

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[ "तीन काम मत करना नहीं तो बहुत problem होगा", "number one, let's say आपके card की limit है 50,000 रुपे", "और आप 40,000 रुपे spend कर चुके हो इस month", "but आप इतना जरूर ensure करते हो", "कि due date से पहले आप full payment करते हो", "but आपका civil score फिर भी बड़ेगा नहीं गिर जाएगा", "वो इसलिए क्योंकि आपका credit utilization ratio है 80%", "40,000 रुपे आप 50,000 की limit वाले card पे use करते हो", "आपको ये ratio maintain करना चाहिए 30% के आसपास", "यानि 15,000 ही आप हर महीने अगर खर्च करोगे", "तो आपका civil score धीरे धीरे improve होगा", "number two, never withdraw cash using your credit card", "आपको बाकी सारे transactions पे एक interest free window मिलती है", "पेशों पे 30% का interest आपको पे करना पड़ेगा", "और जो interest free period था वो भी cancel माना जाएगा", "और आपको day 1 से वो सारा interest पे करना पड़ेगा" ]

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[ "This is a luxury airline credit card that's obviously best for people that fly quite a bit", "with United. So most likely you live in one of their hub cities like Houston, Chicago,", "Denver, Los Angeles, the New York area, etc. And you probably travel a lot for business. So", "in this video, we'll cover the main things you need to know about the card, but we do have a", "full review on our website. So if you have any questions or if you want to really dig in,", "if you're watching on YouTube, just check out the links in the video description below. Or if you're", "watching our site, you can search around for the full review. Let's start off by talking about the", "rewards for this card. And keep in mind that this card is only partially about the rewards,", "and we'll cover that other stuff here in a second. So it earns four miles per dollar spent on United", "purchases. It earns two miles per dollar spent on all other non-United travel purchases.", "It earns two miles per dollar spent on dining, including certain delivery services, and then one", "mile per dollar spent on all other purchases. So overall, it does tend to offer more rewards than", "some of their other cards. And that makes sense considering the annual fee, which you can see here", "on the screen. We don't love the annual fee, but again, this card is primarily for people that are", "really loyal to United Airlines and are most likely more interested in the other benefits that the", "card offers, namely lounge access. So the card comes with a complimentary United Club", "membership, which if you were to purchase on your own, by the way, would cost you several hundred", "dollars. If you do have access to United Lounges, those give you additional space to relax or work.", "Plus, they oftentimes have beverages, snacks, and free Wi-Fi. As you'd expect, you can find the", "United Lounges at many of their hub cities. And I think overall, they say they have maybe 40", "different lounges that you'd have access to. So I think the lounge access is really a big thing", "with this card, particularly if you're traveling a lot. It's nice to have.", "They're definitely more private. They're more comfortable. It's something that would be nice", "before and even after a flight. Now, in addition to that, the card usually comes with the opportunity", "to earn a signup bonus. In our videos, I generally do not talk about the signup bonus. I don't want", "to mention the current signup bonus. If you want to see the details about that, you can find it on", "our website. The reason I don't mention it is that it could change, but for new card holders,", "generally speaking, there's the opportunity to earn a pretty sizable signup bonus.", "Now, even more, the card comes with a credit of up to $1,000.", "Towards the cost of a global entry or TSA pre-check application. And you can use that", "credit once every four years. Now, as you'd expect, the card also comes with several United", "specific perks. For instance, you and a companion traveling on the same reservation can each check", "your first bag and your second bag for free on United flights. You also get a discount on in-flight", "purchases such as Wi-Fi and beverages, and you get priority boarding, priority check-in,", "and more.", "So just suffice it to say it's packed with a bunch of different United specific perks,", "and you can even see a larger list on our website. And in addition to all of that,", "the card does not charge any foreign transaction fees, which means you can use the card outside the", "US just like you would inside the US. There's not a fee associated with spending on the card", "internationally. I think that's great. So, you know, if you travel to Europe, Asia, you know,", "South America, wherever, if you're traveling outside the US, you do not get charged foreign", "transaction fees when you use this card. So that's it for the video.", "Thanks for watching.", "Hopefully, if you're watching on YouTube, we earned your thumbs up. Have a great day." ]

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[ "but it was a lot to her. And she said, what should I do with it? And I said, well,", "what do you own your credit card? She said, well, I own X. I said, well, what you should do? I don't", "know what interest rate she was paying. It was something like 18%. I said, I don't know how to", "make 18%. If I owed any money at 18%, the first thing I'd do with any money I had would be to", "pay it off. It's going to be way better than any investment idea I've got. And then later on in", "the conversation, she talked about her daughter and her daughter had a thousand dollars or two", "thousand dollars or something. And she said, well, what should I do with the girl's money?", "And I said, have her lend it to you. I mean, if you're willing to pay 18% or whatever,", "she's not going to find a better deal. I'll lend you money. It doesn't make sense. You can't go", "through life borrowing money at those rates. The world is in love with credit cards, but I would", "suggest to anybody that the first thing they do in life is don't be paying even 12% to anybody.", "Pay that off. If they're really a good credit," ]

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[ "है पर दोस्तों कि आपको पता है कि आजकल ऐसा भी सिस्टम आने लगा है जहाँ पर अगर", "आप Commissioner श्वाइड करते हैं तो आपकी सारी डिटेल टेल हो सकती है अब इससे बचने के", "आप एक बहुत सिंपल सा solution अपना सकते हैं", "वो है tap to pay का feature यूज़ करते हुए", "और ये आपके credit card में inbuilt होता है", "जहाँ पे आपको credit card swipe नहीं करना है", "आपको सिर्फ tap करना है", "और जिससे आपकी payment हो जाएगी", "अगर आपको कहीं पे swipe की requirement होती है", "तो आप सिर्फ genuine और trusted store पे ही करिए" ]

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[ "पुछ के आगे लिखा होता है सिर्फ bank", "वही कुछ के आगे लिखा होता है small finance bank", "नहीं तो payments bank", "नहीं तो corporative banks", "ऐसा क्यों?", "और most importantly इनमेंसे किस bank में", "आपका अपना deposit रखना चाहिए?", "तो ये चारो अलग अलग तरह के bank है", "बैंक लिखा होता है वो कहलाते है कॉमर्शियल बैंक जो इंडिविजुअल एंड बिजनेसेस को विराइटी आफ", "फर्वेसेस देते हैं डिपॉजिट्स एफ़टी लोन एक्सेक्टर अगर इन बैंक में मिजॉरिटी होल्डिंग गवर्नेंट की है तो", "प्रिवेट जैसे इसी बार नहीं दे सकता पेमेंट बैंक न्यू एज ऑनलाइन बैंक जैसे पेटीएम पेमेंट बैंक यह", "कस्टमर से दो लाख रुपए से ज्यादा डिपॉजिट नहीं ले सकते और लोन भी नहीं दे सकते यह कस्टमर का पैसा गवर्न", "बॉंड या सिक्योरिटी में ही इनवेस्ट कर सकते हैं यह तीनों भी बैंक आर्बीआई के द्वारा रेग्यूलेटेड लास्ट", "टाइप है कॉपरेटिव या सहकारी बैंक इन वैसे बनाया जाता है नॉट फॉर प्रॉफिट परपोसेस के लिए या फार्मर्स और", "झाल" ]

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[ "सिम खरीदा है वार्सली गंज में किसी एक जगह से इसमें बहुत सारे फेक सिम का मतलब है दूसरे के वाइसी पर", "यह सिम आता था यह खरीदता था साथ साथ रुपए से एक सिम के लगते थे यह पूफ वेबसाइट बनाता था आप जितनी", "कंपनियों की लिस्ट लगी है इनकी जो एक्ट्रॉल वेबसाइट जैसी दिखती है पूरी वैसी दिखती हुई लेकिन जो उपर का", "लिंक है वह थोड़ा बदल के बनाता था तो यह फेक वेबसाइट एकदम वैसा दिखने वाला बनाता था अकाउंट्स खरीदता", "था दूसरों से और इसके बताया अनुसार जो इसे अकाउंट देता था अकाउंट का कंट्रोल उसी के पास होता था 50%", "पैसे वह रखता था पैसे निकाल के 50% इसे देता था अब अभी तक जो हम एक दिन में इतना पता कर पाया है कम से", "गम 5 करोड़ का फ्रॉड का डिटेल अक्रॉस इंडिया हमें मिल गया हम बहुत सारे प्रार्थियों से बात किया है यह", "बहुत बढ़ सकती है जितना ज्यादा हम डिटेल में जाए दो चार दस दिन काम करें और लोग और लोगों से बात करें तो", "बढ़ सकती है और 40 50 फायर के बारे में हमें पता चल गया है जो लोग इन्हें ढूंढ रहे हैं यह इसी चीज का समरी", "दुनेंगे 25 लाख दिए हैं फिर हम देख सकते हैं 24 लाख 14 लाख 13 लाख यह सारे लोग पैसे उन फोन और उन सिंह के", "पॉल पर दिए जो लोगों से मुझे हम हमें मिले हैं हमारी टीम को जो भी फोन और सिम मिले हैं उनसे जो पॉल्स हुए", "हैं एक लाख पचपन अजार एक तो हमने क्या किया पिछले दो दिनों में पूरे इंडिया में सारे प्रार्थियों को", "कॉल कराया है तो मैनुअली हमें इतना पता चला है एविडेंस बनेगा साइड एविडेंस बनेगा कि यह लोग इन लोगों ने उनसे", "भी किया है हम तिलंगाना की एक एक टूल है साइड कैप्स साइड कैप्स को हमने सारे आईएमिआई फोन और सिंह का डिटेल", "दिया थे उन लोगों ने भी हमें बताया है कि उन्हें सिमर फोन से किसी के साथ फ्रॉड हुआ है वह लिस्ट है जो", "इंग्रेजी में लिखी है जो 12 लाख से लेकर 4000 वगैरह करके उन्होंने 20-25 लोगों का आइंटिफाइड करके दिया", "है जिन्होंने पैसे इन इन कॉल्स पर इनकी टीम को दिया यह भी लगभग देव दो करोड़ के आसपास है जो मिलाकर अभी", "टोटल हमारी जानकारी में 5 करोड़ का हिसाब किताब हम निकाल लिया है थोड़ी इनकी तक्निकी पारांगत्ता हम आपको", "दिखाएंगे आप सब स्लाइड में देखिएगा यह कुछ बड़ी कंपनियां है जिनका लोगों आप स्लाइड में देख रहे हैं जिनका", "लोगों कैप्चर कर रहे हैं अब देखेंगे हल्दीराम मैकडोनर्ड केफ सी डॉमिनो बर्गर किंग चाय सुट्टा बार एक नया", "लोगों कैप्पनियां कि जैके टाइर से बजाज है अपोलो टाइयर से ऊकिनावा एलेक्ट्रिक स्कूटर है आजकल कलचर", "बन रहा है एक चुटर यूज़ करने का तो यह सपाहन आफ फॉर ओकिनावा एथर और बजाज कि भी को बजाज एलेक्ट्रिक का ही है", "यह लोग हेलीकॉप्टर में राइड देने का बुकिंग बुक कर रहे थे यह आपको पवन हंस में नॉर्थ इस्ट पर घूमना है तो यह बुक कर सकते हैं", "चाई से लेकर बर्गर्ट था और साइकिल से लेकर हेलीकॉप्टर था यह ज़्यादा था यह लोग जो है", "चड़ी बन्यान जॉकी से लेकर इनका एक वेबसाइट प्लेबॉई नाम से भी मिलाया है बजाज फिन सर्व यह मतलब लोन-लोन का भी करते थे कार फिनांस भी करते थे और पेट्रोल पंप की डीलरशिप देते थे इंडियन ओयल हम स्योर नहीं है पेट्रोल पंप की डीलर�", "डीलरशिप का दावा करते थे हमने इंडिकेटिव ग्रूप से इंडियन ओयल का वहां पर लोग यह टेक्निकल नॉलेज यह टेक्निकल टूल्स यह वह टूल से जहां पर वेबसाइट बनती है डोमेन नेम खरीदते हैं और दूसरे वेबसाइट का थोड़ा नाम चेंज कर", "लेकर यहां पर वेबसाइट बनाते हैं मेल पर होस्ट करते हैं यह है क्लाउड क्प्रेट जो है वह आईएस पी को मास्क करता", "है वह जो बंदा होस्ट किया विपसाइज इसकी आईपी भी किसी को नहीं मिलेगी तो यह सारे टूल के बारे में तब करते थे यह", "बड़े बड़े टाटर पर टेक्टिज भी नहीं जानते हैं जनरली इन्हें सब पता है कुछ वेबसाइट आप देख लीजिए कैसा", "यह वह मों का वेबसाइट है जो इन्होंने बनाया है तो इसका टूल है तरीका है जो अभी इसने बताया है साथ", "सब्सक्राइब करें कैसे बनाते हैं यह है नूज अगर सिंपल इनअर्जी यह एलेक्ट्रिक रहा गया प्लस सोलर इनरजी", "का गिव दोनों काम करते हैं यह सिंपल एनर्जी है यह आपका एनजी एंजी आफ पर मुद्दी है यह ट्यूम पर तो बहुत", "जैसे डिलर्सिप डाल दिया कि या डिलर्सिप डॉट इन डॉट कॉम तो यह वेबसाइट लोगों ने बनाया है यह लिस्ट आप देखिएगा", "आप लोग पूरे इंडिया में सारे थानों को सारे प्रार्थियों को और सारे टूल से सब को कांटाट करने की कोशिश कर रहे हैं" ]

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[ "अब देखो एक कटब आय है किसी सरकारी बैंक में जाकर खाता खुलो पताते हो मतलब समझो कि आप जंगल लड़कर अपना", "ख़ुल रहे हो आपको पता है कि ब्रांच में कितने सारी भी रहती है और बहुत सारी फर्मिलिटीज के बाद आपका", "एक सेविंग अकाउंट खुल पाता है और उसके लिए आपको 8-10 चकर तो लगाने ही पड़ते हैं तो इस वीडियो के अंदर", "इस्तेमाल कर सकते हो और आप इनकी मोबाइल बैंकिंग इंटरनेट बैंकिंग में जहां पर आपकी बैंकिंग की जो", "भी सर्विसिस है वह अब सारा सर्विसिस इस्तेमाल कर पाओगे अब देखो जो हैं चैप्स मैंने आपको बताया इस एस्टेक्ट", "अगर आप अपना अकाउंट ओपन करते हो तो डेफिनेटली यहां पर आपका खाता खुल जाएगा", "बहुत सारे लोग खुद से ट्राइ करते हैं और कुछ-कुछ इंफॉर्मेशन गलत फेल कर देते हैं", "जिनके लिए उनका अकाउंट नहीं खुल पाता है", "तो आप वीडियो को बिलकुल भी स्किप मत करना दोस्तों जैसे-जैसे मैंने अकाउंट खुला है", "इट वीडियो को देखने के बार हमारा यह दावा है कि पंजाब नेशनल बैंक के अंदर आपका एक खाता डेफिनेटली खुल जाएगा", "तो देखिए पंजाब नेशनल बैंक के अंदर एक जीरो बैलेंस सीविंग अकाउंट ओपन करने के लिए सबसे पहले आपको यह अप्लीकेशन इस्टॉल करना होगा", "तो आपके सामने कुछ ऐसा इंटरफेस आएगा जहां पर आपको अलाव करना है तो यहां पर आपको अकाउंट खोलने के टाइम क्या-क्या", "साथ-साथ जीरो बैलेंस भी अकाउंट है एक जो अकाउंट है आज के टाइम में पॉपुलर पीएंड उन्नती सीविंग अकाउंट लेकिन", "इसमें दोस्तों अगर आप गांव साहिट से हो तो आपको 500 सेमी अर्बन में 1000 और मेट्रो सीटी में 2000 रुपए मेंटेन", "करना है तो अगर आप इसके लिए राजी हो तो आप इसको खोल सकते हो बाकि जो जीरो बैलेंस अकाउंट है वह मैं आपको", "बता देता हूं तो आप नीचे आते हो तो सबसे नीचे आपको एक ऑप्शन मिलता है पीएंड बी बेसिक बैंक डिफोजिट अकाउंट यह", "वैकुल होता है कंप्लीटली जीरो बैलेंस अकाउंट होता है इसमें आपको ट्री एडम कार्ड मिलता है ऐसा सेलेक्ट", "चार्जेस जीरो है फ्री से आय अपट में ट्रेक्शन इंटरनेट wink के थ्रू कर सकते हैं बाकि कुछ जानना है तो आप", "मगली हुआ कर सकते हो तो इसके लिए आपको अपने प्रोडक्ट वाले आईकन पर क्लिक करना है और सिंपली यहां", "से प्रोसीड कर देंगे तो आप जैसे ही यहां पर प्रोसीट करते हैं, आपके सामने कुछ ऐसा इंटरफेस आता है, आप", "प्रोसीड कर देना तो आप जैसे ही next पे", "क्लिक करते हो ना अब आपके number पे", "6 digit की OTP Punjab National Bank", "सेंड करती है तो अपना OTP आप यहाँ पे", "फिल करके verify and proceed", "वाले आइकन पे क्लिक कर देना", "mobile number को OTP के साथ", "verify करने में अगले step में आपको", "अपनी ID proof देना है तो उपरा यहाँ पे", "आपको अपनी pen card का number फिल कर देना है", "और नीचे अपनी आधार card का number फिल कर देना है", "तो अब अपना pen number आधार number", "फिल करोगे terms and conditions को", "accept करोगे और simply आप नीचे", "proceed वाले आइकन पे क्लिक कर दोगे", "तो आप जैसे ही अपनी pen card और आधार card", "number डाल के submit पे click करते हैं", "अब आपके आधार card से जो भी आपका number जुड़ा होगा", "उस पे आपको OTP जाता है", "तो अपना आधार OTP यहाँ पे आपको", "फिल करके verify करना है", "तो आप जैसे ही आप आधार card को OTP के साथ", "verify कर लेते हैं आपका नाम वेगरा", "आपका address यहाँ पे automatically", "detect कर लिया जाता है बस आपको", "उपर अपना title select करना है तो आप अपना", "title select करेंगे बाकी जो", "information है यहाँ पे आपका पहले से आ चुका है", "एक option आता है दोस्तो", "यहाँ पे जो आपके आधार card का address है", "वो उसी address पे अगर आप रहते हो तो", "यहाँ पे आप yes कर सकते हो बाकी", "अगर आप कोई दूसरा address देना चाहते हो तो", "आप simply no कर सकते हो हमारे", "case में address same है यहाँ पे आप यहाँ पे", "proceed करेंगे अब आप जैसे ही", "proceed करते हो अगली step में आपसे", "पूछा जाता है क्या आप married हो", "या फिर single हो तो यहाँ पे आपको", "बता देना है अगर आप single हो तो", "यहाँ पे single select कर लेना बाकी", "दोस्तो अगर आप married हो तो यहाँ पे आप", "married select कर लेना अगली step में", "आपसे आपकी mother's name पूछी जाएगी आप", "फिल कर देना आपकी father name आपकी", "अधार कार्ड से automatically detect कर लिया गया है", "अगली step में आपको अपनी religion", "बताना है कि आप किस धर्म से belong करते हो", "बाकी आपको category बताना है", "कि आपका कौन सा category है", "फिर आपको यहाँ पे city और birth में बताना है", "कि आपका birth place कहाँ है", "तो यहाँ पे आपने city इंटर करेंगे", "लिस्ट में आ जाएगा आप select कर लेना", "और अब देखो यहाँ पे आपको बताना है", "कि आपने पढ़ाई कहाँ तक complete करी है", "वो select करना है", "customer status का एक option आता है", "तो यहाँ पे आपको handicapped और others का option आता है", "अगर आप student हो तो student select कर सकते हो", "बागि आप जो भी हो यहाँ पे आप selection कर सकते हो", "अगली step में आपसे occupation category पुछा जाता है", "तो यहाँ पे आपको occupation category, occupation sub category, organization name", "यह सब आपको कुछ भी fill करने की जरूरत नहीं है", "nature of business जिसके उपर यहाँ पे red color का star लगा है", "वही आपको fill करना है", "नीचे आते हो तो यहाँ पे आपका salana i कितना है", "means आपकी annual income आप fill कर देना", "net worth और यहाँ पे annual turnover यह सब आपको कुछ भी fill करने की जरूरत नहीं है", "अगली step में आपसे यहाँ पे पुछा जाएगा", "बाके अगर आप no money add नहीं करना चाहते हो तो no पे click कर सकते हो", "सारा information भरने के बाद नीचे आपको proceed वाले icon पे click करना है", "तो यह step select करने के बाद अगले step में आपको अपनी branch selection करना है", "जिस भी आप Punjab National Bank के branch में अपना खाता खुलवाना चाहते हो", "सबसे पहले यहाँ पे आप अपना state select करना आपका जो भी state है यहाँ पे आप search करोगे", "यहाँ पे आपको अपना district select करना है आप district select करेंगे", "नीचे आपका automatically branch आजाएगा आप अपना branch select कर लेंगे", "अब देखो आप नीचे आते हो तो यहाँ पे आपसे digital services में पूछा जाता है", "आपको जो facilities है वो क्या क्या चाहिए तो यहाँ पे अगर आपको ATM card चाहिए तो आप इसको", "टिक कर सकते हो बाके अगर internet banking, mobile banking ये सब चाहिए आप", "टेक कर सकते हो अब देखो internet banking, mobile banking में दो option आता है एक तो होता है", "कि आप अपना balance वगैरह check कर सकते हो और एक होता है कि balance check भी कर सकते हो", "transfer भी कर सकते हो इसके लिए आप view and transaction पे click करना और अगले step में", "दोस्तों अगर आपको SMS alert यहाँ पे e-statement, check book, passbook जो भी", "facility चाहिए सबको यहाँ से आप on कर लोगे और on करने के बाद नीचे आपको", "proceed वाले icon पे click कर देना है आप जैसे ही ये step complete कर लेते हो और", "final step में पहुंच जाते हो जहाँ पे आपको declaration का page आता है आप", "नीचे आओगे terms and condition को accept करोगे और दोस्तों यहाँ पे आपका", "ये जो account होगा ये video KYC के थ्रू open होगा तो इसके लिए आपको", "अपना video KYC complete करना है इसके लिए आप simply submit वाले icon पे", "click करोगे आप जैसे ही submit वाले icon पे click करोगे तो अभी तक आपने", "जो भी information यहाँ पे fill किया होगा सारा information आपके screen", "पे आ जाएगा आप इसको एक बार check कर सकते हो अगर इसमें कुछ भी", "changes करना है तो आप pin वाले icon पे click करके changes कर सकते हो", "अब आपको अपनी account की video KYC करना है तो simply आप submit वाले icon", "पे click करेंगे तो आप जैसे ही यहाँ पे next पे click करते हो अब", "आपका account जो है completely यहाँ पे reference generate हो चुका है और", "यहाँ पे bank को notification भी जा चुका है यहाँ पे आप देख सकते हो", "application reference number even जो branch है और IFSC code है वो हमें", "मिल चुका है अगर आप इसकी PDF download करना चाहते हो तो आप download", "PDF पे click करके PDF download कर सकते हो अगले step में यहाँ पे", "इस account की video KYC करना है क्योंकि video KYC करने के बाद ही", "यहाँ पे आपका account detail मिलता है और उसके बाद ही आपका जो account है", "वो successfully open हो पाता है तो दोस्तों अगर आप instant करना चाहते", "हो तो आप open for video KYC पे click कर सकते हो बाके अगर आप चाहते", "हो कि video KYC हम बाद में schedule कर ले तो यहाँ पे आप schedule video", "call पे click करोगे अब देखो यहाँ पे हम proceed for video KYC वाले", "icon पे click करते हैं तो यहाँ पे आप जैसे ही video KYC पे click करोगे", "आपको कुछ permissions allow करना होगा तो simply आप allow वाले", "icon पे click करेंगे तो अब आपके सामने कुछ ऐसा interface आएगा जहाँ", "पे आपको video KYC के बारे में बताया जाएगा देखो आप video KYC जब", "भी करना तो अपना original pen card और एक white paper और pen लेके", "बैठना ताकि आपका जो signature है वो आपके bank account में update हो", "जाए क्योंकि जब तक signature update नहीं होता है तब तक bank", "check book वेगरा issue नहीं करता है तो यहाँ पे दोस्तो आपको video KYC", "का timing भी बताया है अगर आप सुबह के 10 बाई से लेके साम के 5 बजी", "के भीतर account खोल रहे है तभी आपका video KYC हो पाएगा क्योंकि", "इसी time video KYC executive available रहते हैं तो यहाँ पे हम", "simply call now पे click करेंगे तो यहाँ पे आप जैसे ही next करते हो वो", "आपका call जो है video KYC executive को connect हो जाएगा और यहाँ पे", "आप से आपकी selfie वगैरह उसके बाद आपकी signature और pen card दिखाने", "के लिए बोला जाएगा और death set आपका video KYC complete हो जाएगा तो", "अब देखिए जैसे ही आपका video KYC complete हो जाता है यहाँ पे 24", "गंटे के अंदर यहाँ पे आपका account detail activate हो जाता है और SMS के", "जरिए आपका khata number आपकी customer ID आपको मिल जाता है एक बार full", "KYC होने के 7 से 14 दिन के अंदर आपके घर पे Punjab National Bank", "welcome kit भी वेज देती है जिसमें दोस्तों आपका check book ATM card", "वगैरह सब कुछ मिल जाता है तो account detail मिलने के बाद यहाँ पे", "आपको proceed to login का option आएगा आप इस पे click करेंगे यहाँ पे", "आप Punjab National के लिए नए user है तो आप new user पे click करेंगे अब", "आपको यहाँ पे तीन options मिलते हैं पहला है registration with debit", "card registration without debit card और registration with Aadhar card अगर", "आपको ATM card मिल चुका होगा तो आप इसके थ्रू कर सकते हैं बाकी", "without ATM card का भी option है और यहाँ पे आप Aadhar card के थ्रू", "भी अपना registration कर सकते हैं एक बार आप इस application के अंदर", "registration कर पाएंगे तो यहाँ पे आप अपनी mobile banking use कर", "पाएंगे और यहाँ पे आपका जो welcome kit है वो आपको मिली जाएगा तो", "दोस्तों कुछ इस प्रकार से आप पंजाव नेशनल बैंक के अंदर अपना घर", "बेटे खाता खोल सकते हैं हमें उमीद है कि हमारा effort आपको", "बहुत ही पसंद आया होगा अगर दोस्तों अब भी आपको कोई doubt बचा है", "आपको प्रकार नेशनल बैंक के अंदर अपना घर" ]

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[ "बहुत अच्छा मिला और मुझे अपने घर का इंटीरियर आपसे करवाना आप तो टाइम बुक करें और इमीजिटली मैं आपको", "रूपए का एडवांस भी भी जाओ अली सर एडवांस का कोई टेंशन नहीं है वह तो हम बाद में देख लेंगे नहीं नहीं", "एडवांस तो आपको लेना पड़ेगा मैं अभी आपको क्योर कोट भेज रहा हूं आप स्कैन कर लीजिए इमेजटली आपको", "आगे चलो किसी और के पास नहीं सब मुझे बिल्कुल और चाहिए मैं एक मिनट में काम करती हूं फ़स गया मेरा", "एक और बकर और मिल गए 20,000 रुपए यहां मार्केट में यूपीआई का नया स्कैम आप बचके रहिएगा और इस वीडियो को", "ज्यादा से ज्यादा शेयर करिएगा ताकि आप लोगों की हेल्प कर सकें" ]

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[ "never fall victim to a scam,", "but the one we're warning you about", "tonight it is really convincing.", "In fact, a local teacher almost fell for it,", "and tonight she is sharing her", "warning with news force Carla Gordon.", "This all started with a text,", "a phone call and an email from someone", "claiming to be from Bank of America.", "And as you're about to hear,", "it'll happen quickly and it", "looked and sounded very legit.", "These were the texts asking if I had", "made a purchase through to Zelle for $3500.", "Next came the phone call.", "Of course I asked, you know,", "is this the same or how do I know", "this is Bank of America and they said,", "well just look at the back of your card", "and the number matches up with the", "number that I'm calling from and it did.", "So I was, you know, going along with it.", "Then came the email with an activation", "code for charity Turberville's newly", "created Chase Paisel account.", "The scammer convinced her she needed", "to send herself $3500 to reverse", "the bogus charge and just when she", "was about to follow through,", "Turberville realized something was off.", "And I even said.", "And I want to call customer service.", "He said if you call customer service,", "he'll be on hold for, you know,", "who knows how long.", "So let's just go ahead and", "take care of this now.", "I mean, it was just kind of urgent", "that I had to do it right then.", "Is how he made it sound so I almost", "click transfer and then something", "told me wait let me just go to", "Bank of America and I'm glad I'm", "not in that bad idea.", "It's why the Better Business Bureau", "is wanting to get the word out.", "You know so many of these scams", "could be avoided if we all just", "took a breath, stepped back and", "verified the activity that was going on.", "They say don't use any money moving apps,", "even the ones like Zelle that are", "considered safe unless you truly know", "the person on the receiving end.", "Once the money is gone,", "consider it a donation.", "It's gone.", "Fortunately,", "Turberville avoided this $3500 disaster.", "You just never know if it's going to be you,", "or if it's going to be close and", "hopefully this will protect others.", "By hearing this story,", "you can always quickly search the BBB", "scam tracker to find out if you're", "about to get scammed, but if it's too", "late and you've already paid a scammer,", "it is important that you report it", "to the Better Business Bureau.", "That way they can hopefully prevent", "the next person from being victimized.", "Carly Gordon News for Nashville." ]

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[ "Sapphire Reserve and Chase Sapphire Preferred with an enhanced grocery category, something", "that many people have wanted, but don't get too excited. It is only temporary. We're going to", "break down exactly what Chase is offering, 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 something that a lot of Chase Sapphire cardholders probably will like, an enhancement", "to the benefits on these cards. Of course, during the whole COVID crisis, the value that you're", "getting out of the Chase Sapphire cards, many people have questioned it, and Chase has tried to", "do more and more to, you know, kind of enhance the rewards you're getting so you feel like there's", "still value. And so the announcement today is that they are going to be adding grocery categories to", "both the Chase Sapphire Reserve and the Chase Sapphire Preferred. However, it is only temporary,", "so it's going to start on November 1st of this year, and it is", "going to be available to you on the Chase Sapphire Reserve.", "getting three points per dollar on your grocery purchases on up to $1,000 of grocery purchases", "per month. So over a six-month period, if you were able to max that out, you would get three", "points per dollar on $6,000 of grocery store purchases. That would be 18,000 points that you", "would earn compared to the 6,000 points that you would normally earn.", "If you just had the one point per dollar on grocery purchases, so potentially an extra 12,000", "points you could earn over that six-month period. Now, remember that Chase added this pay yourself", "back feature that gives you a 50% boost in the value of your points when you redeem in certain", "categories. And one of those categories is grocery stores. So if you think about this new promotion,", "if you were able to max it out, you spend $6,000 in groceries with the", "card over those six months, November through April, you would earn 18,000 points. If you used", "those then to pay for your groceries that you had or to redeem toward your groceries that you had", "paid for with the card, those 18,000 points would be worth $270 of groceries. So on that $6,000 spend,", "you would get $270 back, essentially $270 in groceries. But anyway, that is a 4.5% return.", "So that's pretty nice. So if you're a Chase Sapphire Reserve card holder, that is a nice", "return to get on your grocery purchases. Now, obviously not everyone's going to want to use", "their points also to redeem for groceries. You can use those points for that same 50% boost", "on travel through the Chase Ultimate Rewards Portal and through the pay yourself back feature.", "You can use that 50% also on dining and on home improvement store purchases as well.", "Now that pay yourself back feature, or at least for the,", "50% boost is also ending on April 30th, 2021. So actually if you were going to max this out and", "make sure you've got that full four and a half percent, you would want to make sure that you", "do your thousand dollars worth of spending it kind of early in April to make sure that all those", "points were given to you in time to actually use them, if that makes sense, because the end of the", "three points per dollar on the Chase Sapphire Reserve is April 30th of 2021. The end of the 50%", "boost will be $20,000. So you're going to be spending $20,000 at the end of the 30% boost,", "card holders, not quite as exciting. You will get two points per dollar on your grocery store", "purchases for that same six-month period, November 1st through April 30th of 2021, on that same", "$1,000 max in terms of the amount of groceries you can buy. So if you could max that out over", "that full six-month period, you would get two points per dollar on $6,000. That would be 12,000", "points versus the normal 6,000 points that you would earn if you did that same spend without the", "grocery store category. So those 12,000 points, if you then use those because you have the same", "pay yourself back feature as you do with the Chase Sapphire Reserve, but this one is only a 25%", "boost, well then you could take those 12,000 points and use them for $150 worth of groceries.", "So you'd get a $150", "benefit or reward on $6,000 worth of groceries. So if you worked it that way,", "that would be a 2.5% return on your groceries. Now again, you could use your Chase points any", "way you want to. You don't have to use them for that. So you could use those for travel", "or for any of the other things that we've already talked about, the dining, the home improvement,", "however you want to redeem those points. But if you took them and use them toward groceries", "with that pay yourself back feature, you'd be looking at a 2.5% return overall.", "Now remember that Chase, like most credit card companies,", "rewards does not include things like Costco, Walmart, Target, Sam's Club as grocery stores,", "even if you buy groceries there. So those are going to be excluded from this grocery store", "category. Some people have told me that Walmart neighborhood markets do qualify as grocery stores", "that they do code correctly. I haven't tried that myself, but I assume it is true, but your normal", "Walmart stores are not going to, or those other stores as well. They want you to use,", "basically, supermarkets, standalone grocery stores. So overall, nice enhancement by Chase to", "the Chase Sapphire cards. They keep trying to provide more value to make Chase Sapphire", "cardholders feel good about the annual fees that they are paying. On the Chase Sapphire Reserve", "side, I think you would feel pretty good about this. Three points per dollar on your grocery", "store purchases if you were to take that 50% boost in the redemptions like I was talking about,", "four and a half percent on your grocery purchases is a pretty nice reward to add to the other", "things the card offers. Now, you have a much bigger annual fee on the Chase Sapphire Reserve,", "so you should be getting more on that particular feature. On the Chase Sapphire Preferred end,", "though, I don't think it's quite as exciting. Like I just outlined, two and a half percent if you were", "to use the 2x per point and then get the 25% boost on the redemption. You can find other cards on the", "market that would give you more than two and a half percent on your grocery store purchases. Still,", "a nice enhancement. And if you are someone that really thinks you can get more value out of the", "Chase Ultimate Rewards points, especially if you transfer them into Chase's travel partners,", "and maybe you could get greater value on flights or hotels, well, maybe you could", "think that those points are worth even more than the way I have described them. So that is really", "up to you how you feel about that, but that's kind of how I eyeball it in terms of the value", "that I think is here. I would love to hear your thoughts. Put them in the comments section below.", "Otherwise, I thank you for watching. And as always, please go to ProudMoney.com where we do", "credit card reviews. We talk personal finance. We talk", "all sorts of other fun stuff too. Thanks for watching. Bye." ]

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[ "पैंत्रा नमबर 420" ]

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[ "one another great video today we're going to get into what is the best credit monitoring service", "in 2023 we also gonna go over why I don't recommend credit karma as a credit monitoring service also", "we'll go over some of the best paid credit monitoring service but before we do that I", "want you to like comment and subscribe and only subscribe if you like the content if you don't", "like the content don't subscribe alright so let's get into it alright so here's the thing so a lot", "of people people ask me this question but also what is it's very important that you monitor your", "credit because here's the thing you're not going to know what's going to happen to you if you don't", "know what's going on you know and it's really bad to me because by this being one of the most", "important things in your life you know your credit you know it amazes me that they kind of they try", "to make it where you can only do one annual report with all of the scams and fraud going on people", "getting social security numbers and different things like that you understand what I'm saying", "so so it's really important to monitor this if you're trying to get your score in the sevens and", "you know high sevens and stay there because you you don't want to um you know you don't want to um", "you don't want to be in a situation where things are happening behind your back you know you know", "I'm saying because you're not you're not able to monitor it so you're not ever going to know what", "your score is you're not going to know if somebody else using your social security number you know if", "you're not monitoring it so I I highly recommend that you always monitor your credit always have", "a monitoring service you know letters there there's different monitoring services out here", "great some are good some are okay some I should only be used for certain things all right so let's go", "uh step step one because we're going to use the first one all right so credit Karma Credit Karma", "is great because it updates your credit it updates your uh updates your your uh report", "almost every day or anytime something new happens so if a new account new account show up boom it'll", "just pop up and give you your uh show you the accounts this is where the problem lies though", "with credit Karma you don't get actual FICO scores and I've seen people get excited or depressed and", "go both ways with credit Karma so let me explain what I mean by this with uh credit Karma they use", "something called advantage 3.0 score and I think they upgraded to advantage 4.0 but regardless to", "the fact these are scores that the banks do not look at they do not look at advantage 3.0 or 4.0", "of course so this is what could happen here you can your actual FICO score could be 675 right", "and your and and credit Karma will be saying your credit score is 735", "so you have to them up up there thinking oh man I got my credit score 735 now somebody said now", "you go to a bank and they say well in order for you to to uh you know qualify for this", "credit card you need a 700 score better now because you don't understand that", "the credit karma score is not a FICO score you think that you're over 700", "because credit karma says you're 735 when your actual FICO is 7 675 so now", "you go apply you get denied and you wondering why you got denied the reason", "why you got denied because the bank pulls your actual FICO score not a", "credit karma score so credit karma is only good to look at your accounts do", "not pay attention to that score the score that you look on that you see on", "there is not a real score okay so you only want to just make sure just check", "your accounts and stuff like that see how many inquiries you got it's on point", "on that but the score it's not a real score okay it's just not okay so and", "that's why it's free and then on top of that you only get to see Equifax the", "TransUnion you do not get to see Experian on on credit karma either so", "you only get to see two bureaus and not all three so that's the that's the", "downside", "on top of that it could go the other way around too all right", "so your actual FICO score could be 7 so credit karma be saying your score is", "675 and the bank is saying you need to 700 for this credit card and then you", "don't apply for it you won't apply for it because you think that your score 675", "when your actual FICO score is 735 it goes both ways it could be 50 points", "higher or fifty points lower or seven maybe it's just answer if you don't I'll be趙 inting but assuming it was 575 if it is less you would take off above $3,000", "70 points lower it's all over the place it's not real all right the next one that i want to talk", "about is identity iq all right so identity iq is great in almost every way you get all three", "all three credit reports they update every month right um you get to see everything that's going on", "with your credit and different things like that it doesn't update every time something happens as", "well you get notified every time something happens uh through email right you know email you say hey", "something happened boom boom whatever case may be but you get updated and different things like that", "but here's the thing with with identity iq you're getting the same vanished 3.0 4.0 scores that you", "get with credit karma now you just but you're just getting them on all three so now the exact same", "thing i just said with credit karma can happen to you with identity iq because identity iq can say", "you're", "it's a great monitoring service when it you know when you're looking at accounts but once again", "you cannot look at that score that score is not your actual fico score so that's not what the", "banks look at the banks look at the fico eight you know all right so that's that's that so that's a", "that's a that's a decent one but it's the same", "thing you just get an extra credit bureau and you still get the advantage uh 3.0 scores i mean", "vanish 3.0 or vanish 4.0 whichever one they own right now and then we got experience.com now", "experience.com is a really good service now with this one you can get uh you can actually get it", "for free but the free version only gives you your experience fico score now that will be your actual", "fico score which is great so you get your actual uh experience fico score and then you get the", "experience fico score but you will not get equifax or transunion at all on the free account okay", "so on the free account you won't get that right um now if you pay uh 19 a month they'll give you", "and i'm sorry and on top of that experience updates every single day so experience on the", "if you do get the free one your fico score", "will update every single day right on experience.com but then you have uh but you just don't get your", "transunion and your equifax now if you pay 19 a month they'll give you um your fico score", "to your experience every single day but they'll give you your fico score to your um equifax and", "transunion every single day so that's the difference between the two so that's the difference between", "the two so that's the difference between the two so that's the difference between the two", "90 days so it's like every three months they'll give you your new score on the other two bureaus", "i like to be more up to date than that right so then they have another plan that'll do it uh", "they they have another plan that they don't really promote so you really have to call", "to get it where it's like 20 25 a month but it's hard to get them on the phone", "and they don't promote it on their website but they will give you your your uh fico score every", "single month on the other two bureaus if you can get somebody on the phone which is very hard to do", "um for sometimes you know because they have different numbers and then seems like ever since", "code there happen everybody is making an excuse that we too busy and it's too much going on", "we can't talk to nobody so that's the that's that but you do get your actual fico scores so what you", "see on experience.com is actually what the banks see okay and that's what you want you want to", "create a monitoring service you want to of credit that's what you seen on experience.com you want to", "that gives you your actual score.", "So not only do they give you the counts and the inquiries and all of that,", "but they give you your actual scores too.", "So now, you know, you're good, right?", "So Experian is a good one.", "But the one that I like the most and the one that I keep,", "I actually got both of them though.", "I have Experian and I have, so I got them both.", "I got Experian and I have MyScoreIQ.", "And so, but the one that I really like the most is MyScoreIQ.", "Reason why I like MyScoreIQ is because they're very detailed on your credit report.", "They give you all of the information to all of your creditors.", "They phone numbers, they addresses, you know, they put, you know,", "like they'll have your inquiries on there,", "showing your inquiries and showing you who to call or remove.", "And of course, I got a whole nother course in understanding on that.", "So you won't have to call them to remove inquiries.", "I got a whole such situation for that.", "That's not a problem.", "But it's very detailed.", "You know, it's like row by row.", "You got a row for Experian, a row for Equifax,", "and then a row for TransUnion that goes all the way down.", "So you can actually see, because sometimes on your credit report,", "you can have an account, let's say you got a card,", "but it's reporting to Experian and TransUnion, but not Equifax.", "And you can see it just like that, that clear.", "So if you was to dispute something that was wrong,", "you don't have to be like going,", "all over the place trying to find out which one is this reporting to, right?", "It's like, no, it's right there.", "It's here.", "It reports on Experian, TransUnion, but it's not there.", "So when you do send out your dispute letters or whatever the case may be,", "you only got to send them to two bureaus.", "You don't need to send it to the third one because they don't even have", "the account showing, right?", "And then with MyScoreIQ,", "they actually give you the FICO scores on all three every single month,", "updated every single month, and they give you", "a free trial.", "It's like a dollar, free trial to start with them, right?", "So you can start with them and do whatever it is you got to do.", "Some people get the service, and once they get their credit fixed, they stop.", "I always encourage people to not stop because you're going to need it.", "You're going to need it.", "I mean, we all like, especially if you're trying to do something,", "if you're trying to stay up on your credit, if you're trying to build a business,", "if you're trying to personal guarantee", "business,", "business lines of credit or just all that,", "it's just too important not to have a $25 to $30 a month", "bill that's working for you.", "People spend money on things that don't matter all the time.", "But this is something that actually matters.", "So for me,", "I love MyScoreIQ.", "I keep them.", "They also have identity theft.", "That comes with it.", "So they'll find out if your name, if your Social Security number,", "if your address, if your ID, if any of that stuff is on the dark web,", "they'll notify you.", "If your phone number being used, if your email being used,", "if somebody trying to duplicate your identity, you get all that information.", "Now, you don't get that with experience.", "So that's a good thing, too.", "So that's why I like them so much, because you get not only do you get", "the credit monitor service, but you get the identity protection and they insure you.", "So if somebody does steal your identity, I think it's like up to $1 million or", "something like that, if I'm not mistaken.", "Don't quote me on that, but I think that is the case.", "But you are covered if your identity gets stolen.", "So that's another thing, too.", "So that's my choice.", "That's always been my choice.", "So I always go with MyScoreIQ.", "Identity IQ is cool.", "But identity IQ is cool.", "Identity IQ and MyScoreIQ are one company.", "But identity IQ, just like I said, they give you that fake credit score.", "Whereas MyScoreIQ gives you your actual score that you need.", "So that's who I would roll with MyScoreIQ.", "If you do want that service, it's a link below where you can go ahead and get", "that dollar trial and get you a dollar trial and go ahead and start monitoring your credit.", "So when you start getting these things taken off your credit, you can see them fall off.", "Because you'll get those notifications, too.", "When something fall off your credit, you'll get a notification.", "Hey, this came off your credit.", "Boom, boom, boom.", "You got a credit score update.", "All these different types of things.", "You'll get them because you want to know.", "You know what I'm saying?", "So with that being said, that's it for this video.", "So this is King G with Investment Adventures.", "Peace.", "." ]

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[ "Thank you very much and thank you also for the opportunity to appear.", "I have provided a written submission already and my submission focuses on three things.", "First of all, the need for a genuine partnership approach to solving the issues", "that the cashless debit card is meant to be addressing.", "This is what the Prime Minister agreed is necessary to closing the gap.", "So why is it not the right approach to use in the Northern Territory", "and in the three other sites in Western Australia and South Australia?", "Such an approach would start with the views of the affected people on what might work.", "It would not automatically start with a cashless debit card.", "Secondly, as previous witnesses have articulated,", "there isn't any robust evidence to support this extension of compulsory income management", "in existing sites and the transition from the basics card in the Northern Territory.", "In fact, notwithstanding its limitations, the Goldfield so-called baseline report,", "makes quite clear that the cashless debit card is not suitable for certain people", "who are still covered by this bill.", "That is, those with mental health issues and those on disability pensions and their carers,", "as well as those whose behaviours do not need to change because they're fine.", "And essentially, that report clearly indicated a case for much tighter targeting,", "and a much tighter approach to the issue.", "and maybe affect mungkin those few people who have really problematic behaviours.", "That evidence, from within the programme itself, has not been taken on board in this bill.", "On top of this, the evidence from over ten years – I think it's nearly 12 now –", "of the basics card shows income management has made no discernable difference in the Northern Territory.", "So, to be clear,", "it could have been spent on programs that actually work. The Prime Minister also said", "in his Closing the Gap speech this year that governments fail, and I'm quoting,", "governments fail when investment is poorly targeted and when we don't learn from evidence.", "Well, I think both of those things are the case with what's proposed." ]

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[ "Today I wanted to talk about what I believe", "is the best beginner credit card on the market.", "Is it the fanciest?", "No.", "Is it the sexiest?", "No.", "But those are the exact reasons why I believe", "the Capital One Platinum Credit Card", "is the best credit card on the market", "for people rebuilding credit", "or just getting started on their credit journey.", "Now, the reason I say this is if you're just now starting", "on your credit card journey,", "you want a credit card that allows you", "to use the functionality of a credit card", "without enticing you into doing something stupid", "like spending money you don't have", "in order to get signup bonuses or rewards", "or just maxing out a credit card", "and eventually ruining your credit score from the get-go.", "And personally, I believe Capital One", "is the best company out there", "working with people with low to no credit scores.", "I mean, there are predatory companies out there,", "just go look at Credit One", "and Capital One is definitely not like that.", "Before we get started, my referral link is down below.", "So go ahead and click that, helps the channel out", "and go ahead and like and subscribe if you like this video.", "Let's get back to it.", "So let's get into the details.", "What does a Capital One Platinum credit card", "actually look like?", "I have mine right here.", "This is what it actually looks like.", "I'll put up a picture too,", "but I think you guys are here to look at", "what are the offers,", "what are the benefits connected with the card?", "So let's dive into it.", "So like I said, it's not sexy whatsoever.", "There's no signup bonuses.", "There's no cash back bonuses.", "There's no spending bonuses,", "but there's also, and here's a big part, no annual fee.", "Usually cards like this being offered from companies", "that try to copy Capital One,", "like Credit One will offer you a card", "with no benefits whatsoever.", "And they will actually charge you a 30, 40 or $50 annual fee", "just to have the credit card.", "For Capital One though,", "their standards are a little bit higher than Credit One.", "And if you aren't approved for the Capital One Platinum card,", "they will give you this exact same card", "in a secured credit card version.", "So I've talked about before my channel,", "but secure credit card is when you pay somebody", "like Capital One, $100,", "and they will give you a credit card", "with a line of $100.", "And credit.", "with you using that credit card.", "And if you use it responsibly for six months,", "they'll refund your $100.", "And you will just now have a unsecured", "or regular credit card with Capital One", "and their Capital One Platinum credit card version.", "And that's actually how I got started", "on my credit card journey.", "I opened a secure credit card with Capital One.", "And now I think I'm up to nine credit cards.", "Now the APR on the card is 26.99%,", "which is really high for a credit card.", "But keep in mind, you should never carry a balance", "on the credit card.", "So I don't actually care about the APR on credit cards", "because you should never ever use it as a way", "to carry a balance over from month to month.", "I actually pay the balance on my credit card", "as soon as the app lets me.", "So with Capital One,", "usually there's about a two day processing time.", "I pay it immediately as it allows me to.", "Some people say you should let it report", "to the credit bureaus first to increase your credit score.", "What I have found from my own personal experience", "is that nobody has the right answer to this,", "but it actually has lowered my credit score", "because my credit utilization has gone up from 0% to like 3%,", "which will just lower your score", "by four or five points each month.", "Now there are some other minor details", "connected with the card.", "There is a $39 late payment fee, which is relatively high.", "But once again, you should never be paying the credit cards", "late or carrying a balance.", "But luckily since it is a credit card,", "they do offer fraud liability protection.", "Meaning if you stole my credit card number from this video", "and try to buy something,", "I wouldn't actually be on the hook for that.", "And Capital One would just refuse it.", "They would refuse to make the payment.", "There's also no foreign transaction fee,", "but they do offer emergency card replacement.", "On top of the emergency card replacement,", "if you do put a rental card onto this credit card,", "you don't have to pay for that liability protection.", "They try to upcharge you when you are renting a car.", "So that's a nice benefit.", "And that's pretty much it.", "It's a pretty simple, straightforward card.", "So let's talk about why I think", "you should get this credit card.", "There aren't a lot of fees connected", "to the Capital One Platinum card.", "You probably won't get a high credit line with it as well,", "but that's kind of the point of the card", "is to target people starting out or rebuilding their credit.", "So it minimizes the amount of mistakes", "you're allowed to make.", "So you don't get a $10,000 credit line maxed out,", "and now you're $10,000 in debt.", "They might give you a $500 credit line.", "So you can't absolutely ruin your life with this card.", "Now, are there better cards on the market for general use", "and people who know how to use credit cards?", "A hundred percent.", "And I plan on making videos on those,", "but I think this is the best starter card on the market.", "I'll leave a referral link down below", "if you think you want to apply for this card.", "It's going to help this channel grow.", "So go ahead and click that link and apply", "if you do think you want to get started", "on this credit card journey.", "And remember, it may be hard now,", "but it doesn't always have to be.", "I'll see you in the next one.", "Bye." ]

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[ "They just make you feel like somebody.", "I mean, what?", "I got a new card.", "We're gonna check it out.", "Hi, my name is Star Carter,", "and thank you for tuning in to my channel.", "On this channel, we talk about finance, business,", "and everything in life that's gonna help us level up", "and be our best version.", "So thank you so much for tuning in.", "If you are new here, please subscribe to my channel", "and give this video a like if it's informative to you.", "And if you're a returning subscriber,", "as I always tell you all,", "gratitude, gratitude, gratitude.", "Thank you so much.", "So we're gonna talk about this new American Express card", "that I just got.", "Haven't had it quite a full month yet,", "and it is the American Express,", "ah, I can't talk,", "American Express Business Cash Card.", "That's what we got.", "So this is it right here.", "So I have actually used this card,", "but just for the video,", "I decided to stick it back.", "I'm gonna put it back on the letter,", "just to, whatever.", "Okay, so we're gonna talk about this card", "and some of the benefits that it does have on it", "that might be something that you could use in your business.", "So I think that it's a pretty decent card right now.", "They do have a $250 statement credit", "if you spend $3,000 in the first three months.", "So you will get that as a statement credit", "if you're interested in this card, right?", "As of this video today, September the 9th,", "that's what,", "it's currently on their website.", "And I'm gonna pull up some more of the data points", "that we could talk about here on the screen.", "So this card right here,", "it does offer a 0% annual fee.", "And right now the APR is at 0.0 introductory APR", "for 12 months from the date of opening the account.", "And the variable rate can be anywhere between 15.49", "and 23.49, depending on your credit worthiness", "and other factors.", "So you can get 2% on everyday eligible business things", "and 1% on everything else.", "And they do have something called a buying,", "expanded buying power.", "So you can possibly go over your limit.", "My limit on this card is 2,000.", "I was shocked that they gave me such a low limit", "because I got two other American Express cards with them.", "And I was just shocked that they gave me such a low limit.", "But I remember when I got my Prime card", "and I did do a review on that,", "that I can link above and in the description below,", "it only started me out with 3,000.", "And that was my very first credit card.", "And I talked about that in a previous video.", "It started out with 3,000 and in like four months,", "they increased it to 9,000.", "I didn't even apply.", "So I'm hoping that they do the same thing with this card.", "Just start me out with a low limit,", "but hopefully they will approve me.", "Now, I'm gonna tell you guys,", "when y'all applying for American Express cards,", "you do not wanna fudge the numbers on them, okay?", "Because from what I've been told,", "a good rule of thumb is,", "you wanna stay in your business limits,", "but you can include other income.", "But I would say the magic number is,", "if you can't prove it,", "you can't possibly get an audit.", "So I would say the magic number would be about 50,000.", "If you're making above 50,000", "and you can prove that you're making above 50,000,", "then that's what you do if you can prove it.", "But if you do not want,", "from what I've been reading and seeing,", "you do not want them to do one of those,", "reviews on you, right?", "Those financial audit reviews on you.", "And if you can't back it up,", "then you're gonna get what they call blacklisted", "from American Express.", "That mean they will cancel what you have with them.", "You won't be able to apply with them again.", "I don't know how long it takes for them", "to get you off that list,", "but they say your relationship with them", "will be tarnished, it'll be jacked up.", "So I'm just gonna tell you guys,", "just put what you feel like you can back up on your,", "on your,", "whatever you're reporting as your income.", "Couldn't get it out there for a second.", "2% cash back on your everyday purchases", "with your business card,", "1% back on everything else.", "So it's not,", "it's really vague on telling you", "what it's looking for to get that 2%.", "It's just saying on everyday eligible business purchases", "and on other eligible business purchases,", "up to 50K per calendar year,", "automatically credited to your statement.", "So it's really vague on what,", "what you're getting,", "minus returns and other credits.", "Eligible purchases do not include fees or interest charges,", "purchases of travelers checks,", "purchases or reloading of prepaid cards,", "purchases of any equivalents or person to person transactions,", "additional terms and restrictions apply.", "So, you know,", "person to person is like your cash app,", "your PayPal's,", "your social media accounts and stuff like that.", "So I mean,", "eligible purchases are purchased for goods and services.", "I'm guessing if you're gonna be paying like whatever,", "you know,", "if you got a subscription for your Shopify store or something like that,", "then that would,", "I'm guessing that would be considered a eligible purchase for the 2% cash", "back and I guess 1% on everything else.", "It didn't say anything about restaurants or anything like that and I'm", "pretty sure American express is really looking at what you're spending is.", "And,", "They probably are kind of trying to get a trend of what your spending habits are and that type of thing for your business.", "And then that way they can give you a higher limit if they think that you are needed to run your business.", "I know that's another way of them increasing your limit when you're actually getting close to your limit and you're paying those balances back off.", "If you are interested in applying for this card, then I'm going to leave a link below in the description box.", "And if you use that link, it's a referral link and it can reward us both with, I think, like a $25 statement credit for you and for myself.", "I appreciate you tuning in to today's video.", "If you had experience with this American Express cash card, business cash card, please leave me a comment.", "If you're going to apply for American Express, make sure your credit score is over 680 before applying.", "They do not do.", "Like starter cards or rebuilding credit type cards.", "They don't do those types.", "So I would say if you don't have at least a 680 or above, that's what I've been told that that's kind of like the sweet spot, the 680.", "Then I would just wait and try to get that credit score up before applying to American Express.", "And that's pretty much it.", "I think that it's a pretty good card.", "I got it for that 0% APR, as I said in my previous video, because I got some really big purchases to come up.", "But to kind of stock up in my candle shop right here to make sure that I have, you know, everything that I need going into the fall season where it's going to be really busy during the holiday.", "So these are really good for that.", "You know, you got a whole year to not have to worry about interest and that sort of thing.", "Again, if you find this video informative, please consider giving me a subscribe and a like.", "And I will see you again in the next video." ]

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[ "प्रॉेस करनी पड़ती है कि यू आप यूज द्डी अकॉट फोर पेमेंट मतलब दोस्तों इस अकाउंट में आप", "payment received । तो कर सकते हैं लेकिन किसी को आप इस अकाउंट से पेबेंट नहीं कर सकते तो दोस्तों यह प्रॉब्लम", "आपको क्यों से पेज करने पड़ते हैं वह भी मैं इस वीडियो में आपको बता उपाएं यह वीडियो दोस्तों लास्ट रेपट", "तब तब तब इस अकाउंट को फोन पे में यूज नहीं कर सकते लेकिन अगर आपके 18 साल कंप्लीट है और फिर भी आपको", "यह एरर देखने को मिल रहा है तो आपको सिंपली करना क्या है आपको बैंक में वेजिट करना है और आपके उस माइनर", "अकाउंट को प्रॉफर इस अकाउंट में अपडेट कर लेना है तो जैसे उस अकाउंट को दोस्तों अप्रॉपर सैबिंग अकाउंट", "में कन्वर्ड कर देंगे तो आपका यह प्रॉब्लम सॉल हो जाएगा तो मैं दोस्तों आशा करता हूं यह वीडियो आपको", "प्रस्तुति प्रस्तुति" ]

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[ "at the brand new Walmart credit card and discuss whether it's actually worth getting. Now, if you've", "seen my older videos, I've previously mentioned that even if you have a credit card that gives", "you a high cashback rate at grocery stores, you're not going to receive a high cashback rate at", "Walmart. And that's because most credit card companies don't categorize Walmart as a grocery", "store. Instead, they categorize it as a discount store, which is unfortunate because if you're", "someone who shops a lot at Walmart, and if you have one of those credit cards that give you a", "high cashback rate on grocery stores, you're not really able to take advantage of that credit card.", "And this is the reason why I was so excited when they announced that they're coming out with a", "brand new Walmart credit card. Because I thought now we're going to actually have a credit card", "that gives us a high cashback rate, even when we're purchasing stuff at Walmart. Now, did that", "end up being the case? Is this a card that you should rush out and get if you shop a lot at", "Walmart? Well, before we get into all of that, if you're new to my channel and you enjoy this video,", "make sure to smash the subscribe button down below and join the community. I make new videos", "about personal finance and investing on a regular basis. And by subscribing to the channel, you get", "to see all my new videos right as they come out. Also, if you enjoy the video and want to support", "me even more, then do me a favor and smash the like button down below for the YouTube algorithm.", "But all right, with all that said, let's get right into it and take a look at all the cashback rates", "that this card offers. Now, for any purchases that you make, whether it's in person or online,", "you're going to get 1.25% cashback for every dollar spent.", "As well as this for any other purchases that you make with this card, you also get 1% cashback.", "Now, like I said, I was very excited to see what cashback rates this card was going to offer.", "And as soon as I saw these numbers, I was extremely disappointed. Because in case you don't know,", "one of the cards that I always recommend is the American Express Simply Cash card. And that's", "because this card offers a flat cashback rate of 1.25% for every purchase that you make with the", "card. Now, of course, I don't recommend that you use this Amex card on every purchase that you make.", "There are obviously some other purchases that you can use another card to get a higher cashback on.", "For example, every time you go to a restaurant, you can use your Simply Financial credit card", "to get 4% cashback for every dollar you spent. But the great thing about the Amex card is that", "it's the highest rate that you're going to receive across the board. Which means that if you have", "this card in your wallet and you're buying something that doesn't fit into any of those", "other high cashback rates from any of your other credit cards, then you can just use your Amex", "Simply Cash card to get at least 1.25% cashback on every purchase.", "would go for the Walmart card instead. Because again, if you're shopping at Walmart, you can get", "the exact same cashback rates with the Amex card as you would with the Walmart credit card. Which", "is absolutely insane because the Walmart credit card is supposed to be a Walmart credit card.", "It's supposed to be offering the highest cashback that you can get at a Walmart store. But that is", "simply not the case. For whatever reason, they're offering barely any cashback whatsoever. So if", "you're not going to get the Walmart credit card, the question is, what is the best credit card to", "use at a Walmart store? Now, it is true that almost no credit card recognizes Walmart as a grocery", "store, but there is one that does. And that is the Tangerine Money-Back Card, which actually does", "recognize Walmart as a grocery store. Now, if you have the Tangerine Money-Back Card, you can choose", "two categories to get 2% cashback on each of them. Now, if you're someone who shops frequently at", "Walmart, then you can get the Tangerine Money-Back Card and select Grocery Stores as one of the", "categories that you want to use. So to get the Tangerine Money-Back Card, you can select Grocery", "you're going to receive 2% cash back on. And again, since this card actually does recognize Walmart as", "a grocery store, you're going to receive 2% cash back for anytime you buy anything at Walmart.", "So not only is there the Amex Simple Cash Card, which offered the exact same cash back rate as", "the Walmart credit card, but there is also the Tangerine Money Back Card, which you can use to", "get even more cash back at a Walmart store than the actual Walmart credit card. Now, this is just", "unforgivable stuff to me. And if anyone from Walmart or MasterCard happens to be watching this", "video, then I got to tell you, you got to up those numbers, man. Because I know that at least for me", "myself, I was very excited to see what a Walmart credit card would look like. And I got to say the", "cash back rates that they're offering is just very disappointing and they could do a lot better.", "So hopefully the people working at Walmart or MasterCard hear this feedback and come up with", "a better card in the near future. But for the time being, I would say just stay away from this card.", "It's really not worth having. And you would be much better off if you were a Walmart customer.", "You would be much better off going with either the Amex Simply Cash Card or the Tangerine Money Back Card.", "Now, that's about it for this video. Hopefully you guys enjoyed that. Now, make sure you're", "following me on Instagram. I post there regularly. So if you want to be a part of it there, make sure", "you're following me there. And as always, if you have any questions about any of the stuff that we", "talked about in this video, make sure to let me know in the comments down below. I always respond", "to every single question that comes in. And now with all that said, thank you guys so much for", "watching and I will see you in the next video. Cheers.", "Thank you." ]

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[ "फोन पे में आपको", "10,000 रुपे ट्रास्फर करने पर", "कम से कम 150 रुपे चार्ज देना पड़ेगा", "यानि 150" ]

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[ "As someone who graduated college in 2008, I didn't find the job that I needed to find.", "Then I joined the Navy in order to have a job to pay back my student loans.", "Probably wouldn't have happened if I majored in maybe say nursing or something that was in high demand.", "So yeah, I'll take accountability for that.", "But yeah, I joined the Navy so I could have a good steady income and get help paying my loans back.", "But I'm really not in favor of helping other people.", "I mean, you took out that loan, you pay it back.", "It's not really that difficult.", "It's self-accountability.", "I mean, I paid off $60,000 in student loans by the time I was 30.", "And if you know, enlisted members don't make a lot of money.", "So it took a lot of like skimping and saving." ]

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

[ "तो दुकानदार बोलता है कि अरे बाई नहीं इस पर नहीं करना तो ऐसे में आप क्या करोगे ऐसे में छोटी सी", "इस मोटो पर हमारे पास निर्मिति के लिए बेड़ करें और इसमें भी डिटेल प्रश्न करें।", "इस फ़्रेंड स्पीट पर उपयोग करें।", "इस तरह के और समस्याओं के निपटारे के लिए टेक्लोजीव को फॉलो करें।" ]

[ 0, 0, 0, 0 ]

[ "they'll cease to exist if the outlook for their businesses do not improve.", "The Simply Business SME Insights report found that some business energy bills have increased", "by more than 150 percent, with half of them saying the cost of living crisis is their", "greatest challenge. Well now, SME owners are calling for the government to intervene and", "review VAT, corporation tax and the energy price cap for businesses. The report was backed by", "Baroness Karen Brady, who joins me now from West London. Baroness Brady, thanks so much for", "joining me. I mean, I guess the first headline from this report is that small business owners", "are fairly bearish about the outlook. Yes, I think that's right. I mean, I think what we have", "to really understand is how important small businesses are to the UK economy. They employ", "48 percent of the British workforce and have a turnover of 1.4 trillion a year, so absolutely", "vital.", "And they've had some very challenging years. And put that across the backdrop of continuing", "difficulties and a tough landscape is making it very challenging for small business. And", "Simply Business has done this report to highlight some of those challenges", "and get the collective voice of small businesses heard.", "And I mean, as things stand, we'll come to some of the recommendations, but as things stand,", "do you think a decent portion of these businesses would fail and go out of", "business?", "in late payments. I mean, that means a quarter of small business owners in the UK believe", "that they will cease trading if business doesn't improve and they don't get these payments", "in. I mean, when a customer doesn't pay you, they're hanging on to money that is rightfully", "yours and chasing debt can be very stressful for small business owners. So I think the", "government needs to step in and think seriously about what we do about that.", "Kyle, I think every business can see a mouse in the pan." ]

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[ "Today we're doing a comparison", "of the Capital One Venture Rewards credit card", "and the Capital One Venture One Rewards credit card.", "So these cards have a lot in common.", "We'll cover some of those commonalities.", "We'll also touch on the main differences between them", "and hopefully help you make a decision.", "We do have a full review of both cards on our website though.", "So if you really wanna dig in, check out creditcards.com.", "If you're watching on YouTube,", "I can link those full reviews", "in the video description below.", "I'll also have some other helpful articles.", "So make sure to check out that.", "If you're watching on YouTube,", "definitely go to creditcards.com.", "So let's kick it off with some of the commonalities", "for these cards.", "So the first thing is both of these", "are more travel-oriented credit cards.", "And so the benefits and the perks,", "they're more travel-oriented as well.", "For instance, neither card charges a foreign transaction fee.", "So you can take the card, travel outside the US,", "and you can use it just like you would", "in the US.", "And you avoid an international transaction fee,", "which can really add up if you're spending a lot,", "or even if you're spending a little bit.", "But if you wanna use a credit card abroad,", "it's nice that these cards", "do not charge a foreign transaction fee.", "Also, they come with certain types of added insurance", "and consumer protections.", "And that's in addition to $0 fraud liability", "and a card lock feature.", "Also, both cards earn venture miles.", "So when you spend on them,", "you're not earning cash back directly,", "you're earning venture miles.", "And so you have to not only consider how many miles", "you think you can get with the cards,", "but also how you can redeem those miles.", "So you can redeem generally as gift cards", "or apply them as a statement credit.", "I actually think a lot of people will apply them", "towards some sort of travel.", "And you have three different options here.", "So you can apply your venture miles", "towards anything that codes as travel.", "So any purchases in the last 90 days", "that the merchant category code was travel,", "you can apply your venture miles towards those purchases.", "And that should be at a more favorable rate", "than applying them towards a general statement credit.", "You can also book travel", "through the Capital One Travel Center.", "That's kind of like Capital One's version", "of something like Kayak or Expedia,", "where you can book hotels, airfare, et cetera.", "So you can go that route.", "That's a pretty simple way to book travel.", "You can also take your miles and transfer them", "to some of Capital One's,", "hotel and airline partners.", "So what Capital One has done is they've gone out", "and partnered with a bunch of different companies,", "airlines and hotel groups.", "And what you can do is you can take your miles", "and transfer them to those outside loyalty programs", "for their miles or their points.", "Sometimes this can be the best way to maximize value.", "It takes a little bit more input and effort,", "but if you wanna go that route,", "that can be a way sometimes to get outsized value", "for your miles.", "So three main options to redeem", "your miles.", "You can apply them for a statement credit", "towards travel purchases in the last 90 days.", "You can book travel through their Capital One Travel Center,", "or you can transfer them to Capital One's transfer partners.", "Now let's go through some of the main differences", "for these cards.", "And the big things are the rewards rate and the annual fee.", "So both cards earn five miles per dollar spent", "on hotels and rental cars that you book", "through that Capital One Travel Center.", "So that's essentially the same, but the venture card,", "that earns two miles per dollar spent", "on every other purchase,", "while the venture one card earns 1.25 miles per dollar spent", "on every other purchase.", "Now with that higher rewards rate for the venture card", "does come an annual fee.", "You can see that here on the screen.", "The venture one card has a $0 annual fee.", "So that's something that you're gonna wanna factor in.", "And what I would say is that you should go through", "a little bit of a budget and see what you can get", "in terms of value out of both cards.", "And make a decision based on that.", "Make sure you add in, like I said, that annual fee.", "My guess is that assuming that you're using these cards", "regularly as your daily driver credit card,", "you'll probably get a little bit more value", "out of the venture card, even with that annual fee,", "than the venture one card,", "but everybody's gonna be different.", "You should run through that mock budget.", "So that's about it for the video.", "Like I said before, the cards are very similar.", "You really need to look at the rewards rates", "and the annual fee, essentially your expected value.", "And then you can see the value out of the cards.", "Like I said, my opinion is I think", "if you're using the cards very regularly,", "probably the venture card is the way to go,", "but it all depends on your spending habits", "and your preferences.", "Thanks for watching the video.", "Hopefully we earned your thumbs up.", "Have a great day.", "Bye." ]

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[ "है क्योंकि जब आप पैसे ट्रांसफर कर रहे होते हैं तो आपको पूरा देखकर करना चाहिए लेकिन फिर भी कुछ सॉलूशन है", "जैसे कि नीचे दिया गया वह नंबर आपको दिख रहा है इस नंबर पर आप कंटेक्ट करें इनको बताएं अपना यह यूपीआई का", "पूरा आप इनफॉर्मेशन डालें तो हो सकता है कि आपके पैसे वापिस आ जाएं और आपके यार दोस्तों के साथ ना", "हो ऐसा कुछ भी उनके साथ भी शेयर करें और आप भी फ्यूचर के लिए सेव करके रखें अगर कभी भी आपके साथ", "भी सब्सक्राइब कर सकते हैं लाइक करें थैंक वेरी मच" ]

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[ "स्टार्ट करते हैं बट वहां पर लेखा आता है को नोट इनटाइट ट्रांजेक्शन प्लीज ट्राइड अगेन लेटर दोबारा", "पर ट्राइप करता हूं तो वहां पर यही वाला इशू दिखाता है ठीक है तो इसको हम सॉल्व करेंगे और अपने बैंक", "अकाउंट में पैसे जो है वह डालेंगे तो कैसे डालेंगे यह मैं आपको बताऊंगा तो ध्यान से आप जरूर देखेगा", "मैं आपको बिल्कुल लाइफ एंड में प्रूफ के साथ दिखाऊंगा तो पर नहीं रहिए गाइस वीडियो पर मैंने", "सलूशन के बारे में हम बात करेंगे तो जैसे कि यहां पर मैं आपको बताने वाला हूं कि यह जो इशू है बहुत", "चाहिए तरीकों से आता है फोन पेपर मैं सबको का वर्ग करके चलूंगा जिससे कि हमारा एक आदमा एक आदमा सलूशन", "मिल जाए और एंड में यहां पर मैं आपको भेज कर दिखा दूंगा तो सबसे पहले आपको यहां पर क्या करना होगा वह टीट पर", "डेट एंड टाइप पर यह डेट जो है वह बिल्कुल परफेक्ट तरीके से एक ही एक डेट पर आप रखिएगा ठीक है तो इतना", "आप करिएगा उसके बाद तो मतलब कि सही तरीके से रखेगा बिल्कुल टाइम टाइट वगैरह मैंने इंपोर्टेंट सेटिंग्स", "आइए यदि इसको बिल्कुल सही तरीके से रखिएगा उसके बाद क्यों इससे धारा एकपॉ टेंस है उसके लिए आपको", "यहां पर एप्स में जाना पड़ेगा मेनीज एप्स में और यहां पर फोन पे को आपको फाइन कर लेना होगा ठीक है तो फोन", "से महन इंपोर्टेंस यहां पर रिश्टिक डाटा यूजिज दो है यह वाला उस पर अगर डोंट अलाव दिखाई दे रहा", "होगा तो इसको क्लिक करके इसको तब पर टिक लगाकर ओके कर दीजिएगा यहां पर इस तरीके से आना चाहिए ना कि", "भी दोषान चाहिए ठीक है तो इतना आपको करना है यहां से फोर्स टो एक दफ़ा और कर देना है फिर बैकला दीजिएगा", "और सबसे लास्ट में आप जो है प्ले स्टोर में जाएगा और फोन पे में फोन पे को सर्च करिएगा और इसमें अपडेट आ", "रहे हो तो अपडेट कर लीजिए अपडेट करने के बाद एक दो घंटे रूप सकते हैं लेकिन अपडेट नहीं मिलता है आपको और", "अपडेट लेटिस्ट वर्जन में चला रखे होते हैं जैसे कि मैंने चला रखा लास्ट अपडेट 14 अक्टूबर को आया था यानि कि तल परसुम आया दी गए था तो इसको आप अपडेट कर लीजिए उसके बाद यहां पर हम जो है इसको स्टार्ट कर लेंगे ठीक है यहा", "पर इसको स्टार्ट कर लिया है अब यहां पर हम बैंक में भेजने की कोशिश करेंगे तो यहां पर हम 20 रूपीज जो है भेजेंगे सेंड पर क्लिक कर देते हैं यहां से हमारा जो है यूपी आई का ऑप्शन आ गया है आपको बिलर दिखाई दे रहोगा बट हमारा जो है", "यहां से चला जाएगा अब यहां पर पेमेंट सिक्योरिय हो रही है और यहां से चले गए ठीक है आप यहां पर देख सकते हैं 20 रूपीज हमारे चले गए तो यह प्रसेस रहता है इसका अगर यहां पर आपको वीडियो अच्छी लगी हो तो लाइक कर दीजेगा और चैन", "झाल" ]

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[ "पर प्रशान देखें, ये पहले अपने पुलिस वाले के फ्रोड को देखें, उसके बाद ये इसके उपर एक एल्मूनियम को चिपकान" ]

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[ "Well, in today's video, I'm going to be talking about three business bank accounts", "that I think is the best business bank accounts to have.", "And by the end of this video, you guys will know what business bank account is the right one for you.", "The first business checking account that we're going to be looking at is the American Express", "business checking account. If you guys don't know, American Express has the best customer", "service in the industry, and it had nothing but the best experience working with them.", "And here are some of the benefits when you open a business checking account with American Express.", "First, there are no monthly maintenance fees and no minimum balance requirements,", "which is great because banks usually have a monthly maintenance fee or they require a", "minimum balance. Next, you will earn 1.3% interest on your checking account balance up to $500,000,", "which is nothing, but it's way better than the industry standard.", "Next, when you open a checking account with American Express, there is a welcome bonus where", "you can earn 30,000 American Express points,", "which can be used to make a check in account with American Express.", "And here's a conversion chart showing how much they're worth depending on what you use it for.", "Now, when you open an American Express business checking account, you will receive", "a American Express debit card where you can earn one point for every $2 spend,", "which is rare because almost all debit cards earn no reward.", "And if you need to withdraw cash, you can go to any MoneyPass ATM,", "and when you withdraw, they'll charge you no fee.", "Now, let's get into the cons of having an", "American Express business checking account.", "The first con is there's no physical branches.", "So if you're a person that likes going to a physical bank branch and getting that full experience with a bank representative,", "you won't be able to do that since American Express is an online bank.", "The second con is you can't make any cash deposits.", "Since American Express is an online bank and they have no physical bank branches,", "American Express is not accepting any cash deposits when you have a business checking account with them.", "And my third con is you can't do a mobile check in account with them.", "So, as you can see, you can't do that.", "Now, for most people, this won't be an issue because it's quite rare to get a check for more than $50,000.", "But as he ran into this issue myself with my house flipping business,", "when I got a check for one hundred and thirty thousand dollars,", "I wasn't able to deposit the check into my business bank account because the limit", "for a mobile check deposit was limited up to $50,000.", "So who is this?", "American Express?", "Business checking account for.", "I would say this business checking account would be great for anybody that has an online", "business where they receive all their payments electronically.", "Really these days you don't really need a physical bank branch unless you're dealing", "with large amounts of money.", "Now the second business bank account we're going to be going over is the Chase business", "checking account.", "So the first benefit I want to talk about is their physical branches.", "If you guys don't know, Chase is building bank branches everywhere and they're actually", "popping up in my local area now and that's why I actually decided to switch my business", "bank account from American Express to Chase for my house flipping business because when", "I had my check for $130,000 I was able to walk into a physical bank branch and deposit", "the check.", "The next benefit I want to talk about is the Chase quick accept feature.", "I really like this feature a lot because this actually lets you use your phone as a mobile", "card payment system.", "So if you are a barber or a hairstylist and you need to collect a business card, you can", "use the payment.", "the money will deposit right into your business checking account.", "And Chase is offering a $300 welcome bonus if you complete these three steps.", "Step one, you need to deposit $2,000 within your first 30 days of opening the account.", "Step two, you need to maintain that balance for 60 days.", "And step three, you got to make five transactions with your Chase business debit card within", "your first 90 days of opening your business.", "Now, let's get into the cons of having a business checking account with Chase.", "And to be honest with you guys, Chase doesn't have that many cons.", "They really only have one con and that is their monthly maintenance fee of $15 a month.", "Now there is a few ways of getting this monthly maintenance fee waived.", "One if you've been in the military in the past or present, this fee will be waived for", "you.", "Or you can maintain a balance of $2,000 in your business checking account and Chase will", "waive the fee for you.", "So who is this Chase business checking account for?", "I would say this is Chase.", "This business checking account is for anyone who needs a physical bank branch and they", "like having that experience with a bank representative.", "This is also good for anybody that has a cash business and you need to deposit large amounts", "of cash or need to deposit cash repeatedly.", "Having a physical bank branch is necessary to do that.", "And also if you get large amounts of checks, any checks over $50,000 at a time, having", "a physical bank branch is highly necessary.", "So you can deposit that check and have access to your money.", "The third business checking account we're going to be going over is the Blue Vine business", "checking account.", "Now if you guys haven't heard about Blue Vine, they're actually an online business bank where", "they're offering business checking accounts to small entrepreneurs like us and the benefits", "are pretty good.", "So we're going to be running through the benefits of having a business checking account with", "Blue Vine.", "Then we'll get into the con.", "First there is no monthly maintenance fees or minimum balance requirement.", "Like I said before.", "Having a business bank account that charges no monthly maintenance fees or has no minimum", "balance requirements is great because most banks actually have a monthly maintenance", "fee or a minimum balance requirement.", "Next you earn 2% interest up to $100,000 in your business bank account balance.", "And the last benefit I do want to mention is even though Blue Vine is an online business", "bank account, you will be able to deposit cash.", "So you can deposit cash on your account.", "And this allows you to deposit $2,000 in cash each day.", "Now who do I think this Blue Vine business checking account is for?", "I would say honestly if you're looking for an online bank but still want to have the", "feature to deposit cash, this is actually the perfect bank for you.", "And also this is a great alternative for anybody that was interested in the American Express", "business checking account.", "But they're not able to get it.", "They're not able to get a business checking account with them.", "Either that's because American Express is not accepting any customers or they have you", "on a waiting list.", "I think Blue Vine is a better alternative to the American Express business checking", "account.", "And these are my top three best business bank accounts on the market today.", "Guys, you really can't go wrong with any of these business checking accounts.", "I have business checking accounts with all of these banks.", "And yeah guys, hopefully this was informative.", "And hopefully you guys can figure it out.", "Like I said before, you really can't go wrong.", "And yeah guys, if you guys enjoyed this video, make sure you guys smash that like button.", "If you guys have any more questions, let me know in the comment section below.", "I'm always in there.", "And I'll catch you guys in the next video.", "Subscribe.", "Later." ]

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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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