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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" ]

[ 0 ]

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

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[ "शाम के अकाउंट में चला गया अब उसे वापस कैसे लें", "तो आज की इस वीडियो हम यही जानेंगे आपने इस वीडियो पर क्लिक किया है", "है तो आप एकदम सही वीडियो पर आयो और आपको एकदम सही जानकारी मिलेगी इस वीडियो को देखने", "के बाद जो प्रोसेसर जो प्रोसेस मैं आपको बताऊं उसे आप फॉलो करें जैसा मैं बताऊं उसी तरीके से", "आप इस फॉर्म को बरें एक फॉर्म है जो बरना पड़ेगा आपको फॉर्म पर के द्वारा उसे आप बरेंगे और आपका पैसा", "आपके अकाउंट में वापस आ जाएगा तो जैसा-जैसा मैं बताते चलूं आप वैसा-वैसा करते चलें आपका काम", "सो परसेंट सक्सेस होगा आपका पैसा सो परसेंट रिफरंड होगा तो चलिए अब वीडियो में आगे बढ़ते हैं दोस्तों", "हां एक और आपसे गुजारिश है वीडियो बनाने में काफी मेहनत लगती है दिमाग लगता है कि कैसे-कैसे क्या करना", "मुश्काल वीडियो को स्किप मत करना वीडियो में बने रहना वीडियो में अगर पहली बार हमारे चैनल पर पहली", "बार तो सब्सक्राइब करें और अगर अच्छा लगे तो वीडियो को जरु пост तो चलिए वीडियो में आगे बढ़ते हैं तो", "दोस्तों उसे करने के लिए अगर आपसे फॉन पर के द्वारा गलत ट्रांजेक्शन हुआ है तो सबसे पहले आपको", "फॉन पर एप्लीकेशन को ओपन कर लेना है अब साइड में देखिए आप गौर से देखिए का कोई भी गलती ना हो तो", "यहां पर हम अपने फिडवाजन पर ओपन कर लेते हैं तो जैसे आप अपनी फोटो ओपन करेंगे तो यहां पर आपके सामने", "कुछ एंड ऐसा निर्भित देखने समय गए अब आपको यहां पर एक अपने हिस्ट्री वाले ऑप्शन पर क्लिक कर लेना है", "है जो आपको नीचे की तरफ सबसे नीचे की तरफ राइट साइड में दिखाई देगी हिस्टरी इस ट्री वाला ऑप्शन इस पर", "आपको क्लिक कर लेना है अब इस पर जैसे आप क्लिक करेंगे आपने जिस भी जिस जिन्हारा का अकाउंट मतलब कि आपका", "प्रचायन एक्शन यहां पर एक ऑप्शन नजस्कविट और इसके निए क्लिक करो लेना है आपने जो भी प primary कर लेना", "कि अब इस पर क्लिक करने के बाद में अब आपको यहां पर कुछ दिखाई देगा तो यहां पर आपको एक ऑप्शन नजराएगा", "696996666666 We are ready to reduce your transactions", "इस पर स्कूल नई इमर इसके नीचे", "ल impactedديजिपिंग эस्तेम एंट चेयरша", "उसे आपको पीठी कर लेना है कि", "ये डिपेंट साइड", "ए लिंकged справ", "ऑफ्सनों ने साफ बनाई wen 03", "साफ लाइक से पर्यो है", "मिलेगी कि यहां ऑप्पी हो चुकी वीवर्ड ट्रेंजेक्शन थे डेज़ बीन कपियड टू लोक क्लीप बॉड हैं यballs", "इमाडे के लिए बॉड में कॉपी हो चुकी है अब आपको यहां से होमा लॉन होमा ले बटन पर क्लिक करके वापस आ जाना", "बना है अब आपको क्या करना है अपना Google ऑपन करना है आपके फोन में जो Google है उसे आपको ऑपन", "करना बिल्कुल बारीकी से समझाईंगा ध्यान से देखिएगा वीडियो को बिल्कुल इसके नंत्रना अब यहां पर", "और यहां पर आपको सबसे ऊपर option मिल जाएगा एन पीज़ेयर की वैवसाइट यहां पर आपको देखने को मिल जाएगी", "इस पर आपको क्लिक कर देना है और थ्यान से देखना अब जैसे आप इस पर क्लिक कर लेते हैं है तो यह लोड होगी", "लगी वेबसाइट अब यह लोड होने के बाद में आपके सामने कुछ ऐसा इंटरप्रेस देखने को मिलेगा आपको चिंता", "करने कोई बात नहीं है बिल्कुल घड़ाना नहीं है जैसे-जैसे मैं बता रहा हूं आपको वैसे-वैसे करना है अब", "ज्यादा करने के बाद में आपको यहां पर एक लिया लिखा हुआ दिखाई देगा एन पीसे आई उसके बरावर में आपको", "थ्री लाइन दिखाई देंगी एन पीसी के बरावर में थ्री लाइन दिखाई देंगी इस पर आपको क्लिक करना अब इस पर", "क्लिक करेंगे जैसे तो यहां पर आपको एक ऑप्शन नजर आएगा गेट इंटॉच इस पर आपको क्लिक कर लेना है नीज", "सबसे नीचे वाला ऑप्शन है गैक टाइम टाइम इस पर आप लिखकर लेना है कहर कंटेस्ट पर जैसे क्लिक करेंगे", "है तो यहां पर आपको थोड़ा से जूम करना अपनी स्क्रीन को देखिए मैं जूम कर रहा हूं जूम करने के बाद", "में आपको बीच में एक ऑप्शन मिलेगा यूपीआई कंप्लेंट यूपीआई कंप्लेंट वाले ऑप्शन पर क्लिक करना है", "अब जैसी आप इस पर क्लिक करेंगे तो यहां पर आपको थोड़ा ऊपर की तरफ इसको करना है स्क्रीन को और यहां", "पर आपको एक ऑप्शन मिलेगा ट्रांजेक्शन यह की दोस्तों द्यान से देखना ट्रांजेक्शन ऑप्शन मिलेगा और", "यह ट्रंजेक्शन ऑप्शन पर आपको क्लिक कर लेना है अब जैसे एड ट्रंजेक्शन ऑप्शन पर क्लिक करेंगे आप तो", "यहां पर आपको एक फॉल्म ले जाएगा काम प्लेज फॉर यह देखिए कम फॉन यह आपको फिल करना है इस यह फील करेंगे", "आपके आपका पैसा गार ऑइंटी के साथ 100 पर सेंट आपके अकाउंट रिफरेंड हो जाएगा तो इसे कैसे फिल करेंगे", "इस कैसे भरेंगे इसे कैसे भरेंगे वह मैं आपको बताऊंगा एक एक स्टेप बाय स्टेप समझाऊंगा क्या क्या", "कि किस-किस जगह पर क्या-क्या बढ़ना किस �กार्लफ में क्या बढ़ना तो सबसे पहले बोत है नेचर आफ ट्रंजेक्शन", "है इस पर क्लिक करेंगे यह पर आपको दो ऑप्शन देखने को मिलेंगे know person to पर्सन पर्सन तो पर्सन का", "रिएट एक बीच को रिएट को रिएट पैमेंट हो तो आपने जैसे भी किया हो उसे हिसाब से कर सकते", "हैं प्रसम του फटीलेंट किया था तो यह पर मैं पहती ocs पर क्लिक कर लेता हूं अब यहां पर दूसरा", "अपना नंबर है इशु या इशु था तो इशु वाले ऑप्शन पर क्लिक करके अब आप यहां पर आपको देखने को मिलेंगे", "कई सारे ऑप्शन आपको क्या इशु है तो यहां पर हम इस स्लेक्ट करेंगे इन कर एक ट्रेस फॉर टू अनदर अकाउंट", "मतलब कि हमारा ट्रेस चैनल गलत जगह गलत अकाउंट में ट्रांसफर हुआ है तो हम इस पर क्लिक कर लेंगे इन करेक्ट", "ट्रेस फॉर्ट अनदर अकाउंट अब तीसरा ऑप्शन है कमेंट बोषवा आपको क्लिक करके यहां पर आपको एक कमेंट लिखना है", "कमेंट है तो मैं आपको यहां पर भी लिखना है हान कर ली इंकरेक्टली प्रशंस C- vocals इंकरेक्टली", "खय्म यह ऐप को लिखना आग all यहां पर ध्यान से देखिएगा यहां पर आपको थ्राग्रिन करसे आईडी 634", "नंबर है ट्रांजेक्शन आईडी इसमें आपको मैंने सबसे पहले फोन पर ओपन क्यों कर बाया था इसीलिए करवाए था", "ताकि हमें वहां पर द्वारा जाना ना पड़े फिर से तो यहां पर आप ट्रांजेक्शन आईडी जो कॉपी करके लेकर आए हैं उसे", "अब को यहां पर त्याज क्वायडी जो लेंट हुआ ना इस जगह पर आप अपने उंगलियों को टच करके रखिए एक बार अब", "जैसे आप टच करके रखेंगे तो एक ऑप्शन देखने को मिलेगा यहां पर पेस्ट पेस्ट देखने को मिलेगा इस पर", "तो आपकी जो बैंक का नेम है आपने केड बैंक से ट्रांसफर किए थे वह यहां पर हम अपने बैंक सिलेक्ट कर लेते", "हैं तो मैं यहां पर बईंग यहां पर इतनी सारी बैंक देखने को मिलेंगी आपको कि आपने आज तक देखी नहीं", "का बेंक हूंगी ना सुनी होंगी उन बेंकों के नाम आज तक आपने सुने भी नहीं होंगे इतनी बेंग है तो आप आप", "उइंट आप की जो भी बैंक है आप अपनी बैंक स्लेक्ट कर लगे कर लीजिए यहां पर मैं अपनी बेंक स्लेक्ट कर", "अब यहाँ पर आपको डालनी है UPI ID", "आपकी UPI ID", "यहाँ पर लिखा हुआ है", "Please select the issue from drop down list", "UPI ID", "तो यहाँ पर आपको अपनी UPI ID", "डालनी है", "तो दोस्तों मैंने यहाँ पर अपनी UPI ID", "डालनी है", "अब आपको नीच वाले ओप्शन पर आ जाना है", "चाहते हैं और यहां पर आमाउट फिल्ट करना है कि जो भी आपने ऑपाउंट चुटती धाना था 2 आकाउंट में किसी के", "मैं वह आमाउट ज Xiaomi यहां पर डालना है मैं यहां पर incl और पर डाल लेता हूं दो तरह पर मैंने अंदत कि", "12月 यहां पर डाल दाउट अब आपने इस तारीक को डाला था यह ट्रैक्शन किkich क्रिआ था वह तारीक आपको यहां", "पर सेलेक्ट कर लेनी है तो मैं पर सेलेक्ट कर लीता हूं 7 तारीक 307 224 में आब सेलेक्ट कर लीता था", "आपने जिसमें तारीख को डाला हूं कोंट पेमेंट और आप स्लैक्ट कर सकते हैं अब यहां पर e-mail आईडी डालनी", "है अब आपको यहां पर ई-mail आईडी डालनी है तो यहां पर हम ई-mail आईडी डालेंगे ई-mail आईडी अपनी जो", "तो यह पर वहीं ज्यादा कर लिया अब यहां पर आपको रजिस्टेंड", "तो दोस्तों मेरा यहां पर mobile number भी डल चुका है अब", "अब यहां पर आपको एक york update", "बैंक अकाउंट statement अब यहां पर आपको एक screen", "上च के जरूरत पड़ेगी आपको यह screen", "ज्यादा की जरुरत पड़ेगी अजुदी आप जिसको", "की आपने ट्रंजेक्शन किया था तो मैं आपको बताऊंगा मैं आपसे आपको सब कुछ देखाऊंगा कैसे करना है तो", "यहां पर आपको सबसे पहले आपको फॉन लोग पर ओपन करना है फ्रोंड ओपन करने के बाद में आप जैसे फॉन पर", "फोन पे ओपन करेंगे आप को दोबारा से फोन पे में जाना है अब फोन पे ओपन करने बाद में तीम्में जाना है आपको", "हिस्टरी में जैसे जाएंगे तो आपको सेलेक्ट करना है है जिसको भी आपने पेमेंट किया है आपका ट्रांजेक्शन", "यहां पर आपको देखने को मिलेगा यह आपको पेमेंट डिटेल यहां पर मैंने दाला था उनमीश स्वर्प का ठीक है", "मिले यहां पर यह जो आप देख रहे हैं ट्र shocks की जो डेटिटेल है ट्रक्सिन जो डिटेल है इस इंसॉन लेना", "यह से मैं क्रिक हैं ले लूंगा है मैं इप्लाई और अब स्क्रीन सvit लेने के बाद में आपको महीं फिर से वहीं", "हुआ ल dissertation रंग में सुनें रोल बताना है मैं लेकर आप सुनी जखेर लेना बढ़ रहा हो", "कि यहां पर कि इस वाले ऑप्शन पर स्कूल फाइल नो फाइल चोड़ें उस पर आपको क्लिक करना है पाइल वाले", "file file वाले ऑप्शन पर क्लिक करना है में अब फाइल वाले ऑप्शन पर क्लिक करने के बाद में आपकी जो फोटो", "के लुट यह वह खोल जाएगी और इस ऐंट्रोनिस क्वेश्चन पर क्लिक करके आप यहां पर स्क्रीन सॉट को सेलेक्ट", "कर लेना और यहाँ पर आपकी जो", "फाइल है जो screen shot था", "वो यहाँ पर upload हो चुका है", "अब यह पूरा form", "भर चुका है", "इसको भरने के बाद", "आप submit वाली option पर click", "कर लीजिए जैसे", "आप submit वाली option पर click", "करेंगे तो अब से", "जैसे आप submit वाली option पर click", "करेंगे इस समय से लेकर", "24 गंटे के अंदर", "आपका payment 100%", "refund हो जाएगा इस", "बात का मैं दावा करता हूँ", "तो आज", "की यह वीडियो आपको पसंद आई हो", "तो वीडियो को like करिएगा", "चैनल पर अगर पहली बार आयो तो", "चैनल को subscribe करिए" ]

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[ "That's what we're going to talk about in today's video. Welcome everyone, I'm Pocket Gangster and", "I love talking about credit cards. If you want to see more videos like this in the future,", "don't forget to subscribe as well as like the video. Today we're going to be talking about", "the Capital One Platinum Secure Credit Card. What is a secure credit card anyway? Well,", "basically it's just like a traditional credit card except you are giving the bank, and in this case", "Capital One, a security deposit. The security deposit determines how much your credit limit", "is going to be. So if I give Capital One $200, they then hold that money and I actually have", "a credit limit of $200, but I can give them more. The limit on this card is a bare minimum of $200", "and up to $1,000. Higher deposit, I then have a higher spending limit, which means I can spend", "more and keep my credit.", "Utilization overall, much lower, which then increases my credit score overall. But what if", "you don't have $200? I know that's a lot of money for most people out there, and that is where", "Capital One Platinum Secure Credit Card actually comes into play. You see with this card, if you", "don't have $200, you can actually fill out the form online, and if you qualify, you'll either", "have to give them $200, $99, or $200. If you don't have $200, you can actually give them $200,", "or potentially $49, and still get a credit limit of up to $200. Do keep in mind that there are no", "fees when using this card, which is actually really cool. Now, what if I want to spend more", "money with this card? You'll be considered for review within as little as six months,", "meaning they'll see if you meet the requirements and potentially give you a higher credit limit.", "Do keep in mind that this card is also going to report to all three major credit bureaus,", "TransUnion, Equifax, and ExxonMobil.", "If you're looking to get a credit card, you'll need to pay a credit card fee,", "which is $200, and you'll need to pay a credit card fee to get a credit score.", "If you're looking to get a credit card, you'll need to pay a credit card fee to get a credit score.", "If I forget to pay my credit card statement, that could be a big problem,", "but you can set up autopay within the app to make sure that you are never late.", "You will also get security alerts via text message, email, or phone. If you believe that", "you've lost your card, you can actually lock the card within the app. You can also use CreditWise,", "and you can see your TransUnion and your Experian score for free.", "Capital One is going to take it a step further. If you go on their website, you can actually", "click the pre-approval button and see if you qualify to get this card without having a hard", "credit pool. That is actually very important to remember if you are looking to get a secure credit", "card, but you don't want to have any negative impact on your credit score.", "So here are my final thoughts. If you're looking for a credit card that's going to boost your", "credit score, as well as give you access to your TransUnion and ExxonMobil credit card,", "this card is going to get a four out of five stars just because you can actually give Capital One", "$49 or $99 and still possibly get a $200 credit limit, which is unheard of compared to other", "companies out there. But if you're looking for a secure credit card that's going to give you cash", "back, that is where this card is actually going to fall. So if you're looking for a credit card", "that's going to fall behind compared to other competitors like Discover Bank.", "I would love to hear everyone's thoughts and opinions about this card. And if you think it's", "actually worth getting, let me know down in the comment section below. And don't forget to", "subscribe to the channel for more videos like this in the future and give this video a thumbs", "up for the YouTube algorithm. Thank you for watching." ]

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

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

[ "can get. This card fights well above its weight class so we're going to do a full review talking", "about why I think it's easily worth over $1,000, how I would cash in on its value, and why it's", "number one. So right off the bat the card has a $95 annual fee but it's pretty easily offset", "by its 60,000 point welcome bonus. There is actually a secret welcome bonus that's going", "on right now at the time of filming. If you apply in branch there's a welcome bonus worth", "90,000 points and this may be added online in the coming months. Hey guys so as I was finishing up", "editing this video wouldn't you know Chase announced a new 80,000 point welcome offer on", "this card. I wanted to get this out to you as quickly as possible so rather than refilming", "this entire video I left in sections that include the 60,000 point welcome offer but just know the", "newest offer is 80,000 points. So the card earns", "$1,000 a month and it's a welcome bonus. So if you apply in branch there's a welcome bonus worth", "$5,000 on travel paid for through Chase's Travel Portal. It also earns 3x on dining,", "online grocery, and select streaming services, 2x on travel, and 1x on everything else. The", "earning categories on this card are pretty solid but the card really starts to get interesting", "when you talk about its travel benefits which are many. One big benefit to this card is that you can", "redeem your points through Chase's Travel Portal for 25% more value. This means that if you're", "using your points for travel, you can redeem your points for travel. So if you're using your points", "to book through the travel portal, they'll be worth 25% more than they would as cash back. The", "value of Chase points is one cent per point meaning that the 60,000 point sign up bonus is worth $600", "in cash back. But through the travel portal they could be worth $750 in travel. But there's another", "travel benefit to this card which outshines the 25% bonus by far and that is that the Sapphire", "Preferred allows you to transfer your Chase points to travel partners. This includes hotels and airlines,", "like Hyatt, Marriott, IHG, Southwest, United, and many others. The reason that this is so valuable is", "that often when you transfer your points they become worth far more than they would as cash back.", "These points are widely valued at two cents per point when you transfer them to travel partners.", "And that means that your 60,000 point welcome bonus is worth $1,200 in travel. But I've seen", "plenty of occasions where people earn three to five cents per point. Now let's get into the points here.", "And in my experience, it's not that hard to do that, especially if you transfer to partners like the World of Hyatt.", "Another superpower this card unlocks is called the Chase Trifecta.", "When you pair this card with other Chase Ultimate Reward Point earning cards, like the Chase Freedom Flex or Freedom Unlimited,", "you can combine points between those cards to your Chase Sapphire Preferred and transfer those points to travel partners.", "So the Sapphire Preferred makes the points from all of your Chase credit cards far more valuable.", "Another lesser known but great benefit is that it comes with a load of insurances with things like extended warranties,", "purchase protection, trip delay coverage, and trip cancellation insurances.", "But probably my favorite is Primary Collision Damage Waiver,", "which means when you rent a car using this card, you're fully covered with Primary Collision Damage Waiver.", "And you can decline the expensive and pesky.", "car rental insurance you're offered.", "Even premium travel credit cards like the Amex Platinum don't have Primary CDW.", "They only have Secondary CDW.", "And the Amex Platinum comes with a whopping $695 annual fee,", "which is one of the many reasons I say this card punches well above its weight class.", "Another benefit to the Chase Sapphire Preferred is that the card comes with a $50 annual hotel credit.", "But in order to use this benefit, you do need to book the hotel through the Chase Travel Portal,", "which is kind of like using Expedia.", "So for that reason, it's not my favorite travel perk.", "But if you're already spending money on hotels and you're willing to do it through the Travel Portal,", "that's an easy way to save $50 on travel.", "And that brings the effective annual fee down to $45.", "Speaking of the annual fee, if you ever get sick of paying the annual fee on this card,", "it's very easy to downgrade to one of the Freedom cards, which have no annual fee.", "So you could theoretically sign up for this card, earn the welcome bonus, hold it for a year,", "and then simply do it.", "And then you could downgrade to a no annual fee card later on.", "Or you could upgrade this card to the bigger brother, the Chase Sapphire Reserve.", "The Sapphire Reserve earns 3x on travel and gives you all sorts of travel perks like airport lounge access.", "It also comes with a $300 travel credit, but a much more hefty $550 annual fee.", "And the welcome bonus is almost always the same or lesser than the Sapphire Preferred.", "So if I were trying to choose between the Sapphire Preferred", "and the Chase Sapphire Reserve, I would almost always choose the card that gets the better welcome bonus.", "And usually that's the Sapphire Preferred.", "Another benefit to the Sapphire Preferred is that it comes with no foreign transaction fees.", "This is pretty standard for any credit card that has an annual fee.", "But it's just another benefit that shows this card really covers its basis.", "The traveling with this card will save you a ton of money that way.", "So the people I think this card would be most ideal for is those who want the most travel benefits for the lowest possible annual fee.", "And especially those who want to get free travel from their credit card points.", "Because the Sapphire Preferred allows you to transfer those points,", "I think it makes it one of the most valuable credit cards you can get.", "And of all the points currencies I would start with, Chase is number one.", "So this also makes it probably the number one beginner travel credit card.", "But just because it's good for beginners doesn't mean people who are more advanced and experienced in the credit card game wouldn't also get a ton of value from it.", "The travel perks and especially insurances that come with the card,", "make it one of the best travel credit cards.", "Even beating cards with much higher annual fees.", "And the welcome bonus is really solid.", "So for those reasons, I think this is a definite card to grab if you're looking for a good travel card.", "And it's my number one recommendation when people ask me which travel card to get.", "And if you are interested in applying for the Sapphire Preferred, please consider using my referral link down below.", "It's a huge way to help me out and I really appreciate it if you do use that.", "Now there's a lot more to cover on using credit cards like this.", "The Sapphire Preferred to travel for free.", "You can check out one of my latest video guides on how to use credit cards to travel for free.", "Thanks for watching guys and I'll see you next time." ]

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[ "With many peaks and ever-increasing undercurrents of change, changes are always happening.", "In the wake of the collapse of bank sovereignty credit, digital currency is rising.", "AI technology is making financial equality popular.", "MetaBank is roaring across the horizon.", "MetaBank leads global banks into the new era of digital finance with its AI digital ecology." ]

[ 1, 1, 1, 1, 1 ]

[ "So the increased signup offers just keep coming.", "Today we're going to be doing a full review on a card that's been getting a lot of use", "from me this quarter, and that's the United Explorer card by Chase.", "We're going to do a full review of the card and take a look at that signup bonus as well.", "For those that don't know, United Airlines has 4 personal co-branded credit cards.", "First you have the United Club Infinite card that comes with a $525 annual fee.", "There's the United Quest card that has a $250 annual fee.", "Then there's the card we'll be looking at today, the United Explorer card, which", "has a $95 annual fee that is waived the first year.", "Then lastly you have the United Gateway card that has no annual fee.", "I've done full reviews on all of these cards and I'll link them down in the description", "box below if you want to check them out.", "Now let's go ahead and dive into the United Explorer card starting with the current increased", "signup offer.", "So at the time of recording this video, the car has an increased signup offer of 70,000", "United miles after you spend $3,000 on the card.", "The first 3 months of account opening.", "United miles are valued at 1.3 cents per point.", "So this 70,000 miles signup offer is valued at around $910 which is pretty good.", "This is one of the highest offers this card has had, so if you've been in the market", "for it, now might be a good time to apply.", "Now this 70,000 miles increased signup offer is only available if you use my referral link", "in the description box below.", "If you go to United's or Chase's public website, you'll only see a 60,000 miles", "signup offer, so be aware of that.", "If you're interested in getting a 60,000 miles signup offer, you can go to the United", "miles will be valued at $780 which is still pretty decent.", "Now I personally find United miles very valuable.", "I was able to book a one-way ticket to Lawanda, Angola for only 40,000 miles and Maputo, Mozambique", "for only 40,000 miles, just to name a few.", "Next let's check out the point earning categories on this card.", "You're going to earn 2 miles per dollar spent on United Airlines purchases, including", "airline tickets.", "On Donny, including eligible deliveries.", "And on hotel accommodations booked directly with the hotel.", "You're going to earn 1 point per dollar spent on all other purchases.", "Pretty decent for a mid-tier airline credit card but nothing spectacular.", "Now remember earlier in the video when I said I've been using this card a lot this quarter?", "Well that's because United has been sending out a lot of increased point earning opportunities", "lately.", "This quarter, they sent me the following point earning bonus.", "I'm earning 10 points per dollar spent at gas stations, and 5 points per dollar spent", "at grocery stores and on Amazon.com.", "Especially during the holiday season as I'm spending a lot more on these particular categories", "this time of year.", "Next, let's take a quick look at the different ways you can redeem your United miles.", "First, the best way you can use your miles is towards flights.", "Again, at a rate of 1.3 cents per point.", "A major plus about the United program is that they're part of the Star Alliance.", "This means that you can go on the United Airlines website and book partner airline flights with", "your United miles.", "Some of these airlines include Air Canada, Ethiopia Airlines, Avianca Airlines, Turkish", "Airlines and many others.", "Alright, moving on.", "You can use your miles to pay for seat upgrades, United Club membership, in-flight wifi, or", "shop on the mileage plus X app.", "You can redeem them for a statement credit.", "You can donate your miles to select charities or transfer them to friends or family.", "Lastly, you can use them to pay for United exclusive experiences offered on the United", "website.", "Now yes, all of these redemption options are available to you.", "But again, you're going to get the most bang for your buck redeeming them for flights.", "Next, let's take a look at the benefits that come with the United Explorer card.", "First, you're going to get two United Club lounge passes each year you have the card.", "If you've never been inside one, I've done reviews on a bunch of different United Club", "lounges and I'll leave links for you if you want to check them out.", "Next, you're going to get your first check bag free.", "A check bag with United usually will run you about $35.", "So if you fly United at least three times a year, this benefit alone will more than cover", "the annual fee.", "Moving on, you're going to get 25% off in-flight purchases when flying United and on United", "Club premium drinks.", "The card comes with a $100 Global Entry TSA Pre-Check Application Fee credit.", "You and a companion flying on the same reservation will get premium upgrades on award tickets", "when available.", "You're going to get priority boarding.", "The card has no foreign transaction fees.", "Which makes it a great option to get a free ticket.", "And lastly, since this is a Visa Signature card, you're going to have access to the", "Luxury Hotel and Resort Collection.", "When you make a reservation through this program with your Explorer card, you'll get benefits", "like daily breakfast for two, spa credits, room upgrades when available, and more.", "The card also comes with a partner benefit as well.", "You're going to get a one-year complimentary DashPass membership that provides unlimited", "deliveries with $0 delivery fees.", "After that, you'll be automatically enrolled in DashPass at the current monthly rate.", "Next, let's take a look at the insurances and protections that come with this card.", "You're going to get Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Lost", "Luggage Reimbursement, Trip Cancellation and Trip Interruption Insurance, Trip Delay", "Reimbursement, Purchase Protection, Visa Concier Service, and Extended Warranty Protection.", "Alright lastly, here are a few things you need to know before applying for the United", "Club premium drinks.", "for this card in the past 24 months.", "Also, Chase's 524 rule does apply to this card.", "So if you've been approved for 5 or more cards from any issuer in the past 24 months,", "your application for this card will automatically be declined.", "Lastly, if you find that this card isn't bringing you much value, you can downgrade", "this card to the No Annual Fee United Plus card.", "So who is this card good for?", "This card is good for individuals who fly United at least a few times a year and who", "will get good value from the benefits associated with the card.", "It's also a good card for individuals who are in the mid-game, meaning they have or", "have had most of the quality points and miles credit cards and are just looking for increased", "signup offers.", "Well, that's all I have for you today.", "Let me know what your thoughts are on this card in the comment section below.", "Also, if you gained any value from this video, make sure you hit that like button.", "I'll see you in the next video.", "Have a good one." ]

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[ "and just $34 billion to African countries.", "The unequal and distorted representation in the management of the IMF and the World Bank is unacceptable.", "Now the IMF is falling short of Aquí mismo yfashion θαкой Diamond il deput drone", "Now il48 şman!", "şman, şman, şman, şman!", "şman, şman, şman!", "şasa aşa zarek hatred", "When institutions reproduce inequalities,", "they are part of the problem, not the solution.", "Last year, the IMF made available $160 billion in special drawing rights to European countries", "and just $34 billion to African countries.", "The unequal and destructive representation in the management of the IMF and the World Bank is unacceptable.", "We have not corrected the excesses of market deregulation and the support and ideology of the minimum state.", "The foundations of a new economic governance have not been laid.", "The BRICS was the result of this paralysis and constitute a strategic platform to promote cooperation between emerging countries.", "The recent expansion of the group at the Johannesburg summit meeting strengthens the fight for an order", "which accommodates the economic, geographic and political plurality of the 21st century.", "We want to prevent this destruction, but because powerclear is the main industry," ]

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[ "लिखा हुआ आ रहा है पेमेंट फिल्ड यू एवर इस्ट द यूपी पेमेंट लिमिट सेट वाइड और बैंक तो यह प्रॉब्लम", "है कि मैं आप लोगों को यहां पर मैं दिखा देता हूं यहां पर में अपने फ़ोल पेyrson किसी को पैलर से", "बेज रहा हूं तो टू बैंक मेरे नमर सेट है मैं अपने से बेजता हूं या यह एक मैं अभी शिक्रमोन नाम से बेजा", "प्रीविन कुमार के नाम से बेजता हूं अभी आप लोगों को सामने यहां पर मैं दिखाता हूं 10 रुपए में बेजूंगा", "तो यहां पर यह देख सकते हैं पैसे मैं अपना यूपीए पिन डालता हूं वैंक का और यह आप लोग के सामने है तो यहां", "आप लोग सुरू से लेकर लास्ट पूरा देख लेते तो आप लोगों की फॉन पे में पेमेंट फिल्ड की जो प्रॉब्लम है वह", "अंडर परसेंट फिक्स हो जाएगी और आप लोगों को फिर से यह प्रॉब्लम नहीं आएगी तो चलिए मैं इस प्रॉब्लम का", "लिमिट लिमिट सेट वाइट यूर बैंक प्लीज ट्राइव अप्टर 24 हावर्स नो मनी है लेफ्ट यूर अकाउंट फॉर देश", "पेमेंट तो यह बोल रहा है कि आपने जो 24 गंटे की आपको पैसे ट्रांसफर की जो लिमिट मिली थी पैसा ट्रांसफर", "गरने की किस अपने खाते से दूसरे खाते में वह आपने लिमिट खत्म कर लिए जी है दोस्तों आपने अगर पैसे किसी", "को बेजे है अपने फोन पे से आपने चाहे 1000 बेजे 255 200 200 50 एक लाक्ट आपने किसी को बेजे हैं तो उसकी", "जो है आपके पैसे ट्रांसफर हुए जरूर हैं लेकिन इसके बाद यहां पर एक टाइम आप लोगों को ऐसा आएगा कि आपकी", "जो लिमिट वह खत्म हो जाएगी क्योंकि दोस्तों यहां पर बैंक की तरफ से आपको जो भी लिमिट मिलती है फोन", "पे से पैसे वेजने की बोल लिमिट खत्म हो जाती है 24 गंटे के बाद यहां पर लिमिट आपको हो सकती है अगर", "आप लोग फॉन पे से पहली बार आप लोग पैसे ट्रांसफर कर रहे हैं तो आप लोगों को सेवर एक बार में पांच जार रुपए", "हुई है तो यह जो लिमिट है वह आप लोग ने बैंक से भी बढ़वा सकते हैं और बाकी का आप लोग जिस तरीके से", "ट्रांजेक्शन होंगे आपके बैंक से वह लिमिट ऑटोमेटिकली आपकी बढ़ जाएगी तो यहां पर मैं आप लोग को बता", "देता हूं क्लियरली आपका जो पैसा है यह जो प्रॉब्लम आ रही है और आपके पैसे ट्रांसफर पहले हो रहे थे तो", "आपने 24 गंटे के अंदर-अंदर की जो लिमिट है पैसे ट्रांसफर करने की वह आपने खत्म कर लिया और इसकी वजह से", "जरिक लिए आप लोग जो प्रॉब्लम है वह सॉल्व हो जाएगी और आप लोग पैमेंट फिर से ट्रांसफर होने लगेगा तो यह", "लिमिट मिलती है बैंक की तरफ से और आप लोग की बैंक में जितनी भी आपके लिमिट होगी 20,000 30,000 अगर आप", "लोग की 30,000 रोपए की लिमिट होगी आप लोग की 10,000 की लिमिट होगी मान लीजिए आपकी बैंक ने आपको", "10,000 की लिमिट दे के रखी है तो आप लोग 10,000 रोपए को अगर एक बार में बेज देंगे तो आप लोग फिर दोबारा", "सब्सक्राइब", "है और दौर्ड ऐखी नैकाने के दिन", "और इसके बाद यहां पर आप लोग की जो है लीमिट खत्म हो जाती है और इसकी बाद फिर आप लोग यह पैसे ट्रांसफर", "करेंगे तो पेमेंट फेल्ड आप लोगों को आएगा ठीक है तो उस यह प्रॉब्लम आप लोग जो थोड़ी इकली फिक्स हो जाएगी", "विश्व गंटी का वेट कर लीजिए अभी आप लोग देख सकते हैं मेरा जो मैं पैसे ट्रांसफर कर रहा हूं वह स्टेट", "बैंक से कर रहा था यह आप लोग जैसा कि देख सकते हो लेकिन फील्ड आ रहा है अभी मैं आप लोगों सामने दिखाता", "हूं यह दोबारा से मैं डालता हूं फिल्म और आप अभी में सैंड करूंगा तो आप लोग देख सकते हैं दस रुपए में", "वेजिए तो यह पेमेंट फील्ड आ रहा है अभी मैं क्या करता हूं मैं आप इस दस रुपए फिर से मैं सैंड करूंगा", "हम आ रही है तो मैं अभी बैंक ऑफ इंडिया कर लेता हूं और कंटीनीव पर क्लिक करूंगा अब यहां पर मैं पेपर", "क्लिक करूंगा और के लिए करने के बाद यहां पर मैं अपने बैंक एमप्रन्ट डालूंगा और एमप्रेंटनर ने को अपने", "लाइट करूंगा तो अभी आप लोग देखेंगे आपके सामने जो पैसा है ट्रांसफर हो जाएगा क्योंकि अभी मेरे जो मैंने", "दूसरा बैंक सेलेक्ट किया है उसमें अभी लिमिट का कोई यूजिक नहीं है और मैंने अभी इस बैंक ऑफ इंडिया", "लिमिट के अनुसार जितना मुझे लिमिट मिला था उतना मैंने पैसा सेंड कर लिया ट्रांसफर कर लिया है तो उसकी", "वजह से फील्ड हो रहा है और यह 24 गंटे बाद ऑटोमेटिकली सही हो जाएगा और फिर से जो है मेरी लिमिट स्टार्ट हो", "टीवरेंस तो आइए आप लोगों की यहां पर फॉन पर की यह जो प्रॉब्लम है फिक्स हो चुकी होगी अगर आप लोगों को फॉन", "पर फॉन पर की तो आप लोगों को रिप्लाई दूं और आपकी पूरी हेल्प करने की कोशिश करूंगा तो अभी फिलाल के लिए", "वस्त नहीं मैं मिलता हूं आप लोगों को नेक्स्ट वीडियो में तब तक अपना किया लगना टेक केयर बाय झाल" ]

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[ "or want to waste a couple minutes to procrastinate something that you really should be doing,", "this is the video for you. We've been using Ally Bank for around two years now, so I wanted to", "take some time and give a full and thorough review of the service and let you know what I think about", "it. Originally, I spent the first half of my life with a local credit union, then I switched to", "Wells Fargo Bank, which was just fine. It was fine. The biggest reason that I was looking at", "making a switch was because we were developing our own personal automated budget system that we", "needed to have multiple checking accounts and savings accounts for. And with Wells Fargo,", "at least at the time, at least how I knew it, it was a pain to open new accounts. You typically", "would have to go into the office and be there for 30 minutes or an hour per account to open.", "And so I wanted something that was much easier. So we heard that with Ally Bank, that was easy to do.", "So we gave it a shot and we've been with them for a while now. So", "I'm going to start with the pros and then we're going to move to the cons and then I'll give a", "little summary. So to start with, the pros, it's free. That's the best thing. One of my issues", "with Wells Fargo and some of the other bigger banks is that you get nickel and dimed if you", "don't pay attention. There's a fee for this, a fee for that. You have to maintain a certain balance", "if you do too many transactions. All those sort of things can add fees. I was able to set it up", "so that we didn't pay fees with Wells Fargo, but if you weren't very careful, you could end up", "paying a lot of money. So that is one thing that I really appreciate about them. They don't have a", "monthly maintenance fee. There's no monthly minimums, free checks, free cashier checks.", "So number two is it's extremely quick and easy to use and to do. So if you want to open a new", "checking account and you already have a checking account with them, it literally takes less than a", "minute to open a checking account. If you want to order new checks, first off, the checks are free,", "which is great. And it literally, I just did it to test to see how fast it would take me to order", "checks. And it literally took me 15 seconds to order checks.", "Number three, it has very easy to use multi-user access. So if you want to share your account with", "a spouse or someone in your family, you can delegate access to them. They have their own", "login that they manage, but then you can give them access to what accounts you want to give", "them access to. All right. So the fourth pro is high deposit and transfer limits, both when you're", "depositing checks and if you're making transfers to or from other banks, they have decent size", "limits. So for depositing, you can deposit up to $50,000 a day and $250,000 over 30 days,", "and you can deposit up to $250,000 a day and $250,000 over 30 days. So you can deposit up to $250,000 a day and $250,000 over 30 days.", "And then the transfer limits are bonkers. They allow you to do like $500,000 in transfers per day", "to Ally. And then from Ally, they allow you to do up to $150,000 per day. So that's more than", "generous. If you're doing more than that, this is probably not the bank for you, but there's", "probably a very specific bank that is for you. I just don't see the average person", "needing anything more than that. So that's number four. Number five, ATMs, they give you access for", "free to a network of ATMs called Allpoint, which has 55,000 participants.", "And they're the largest paid in ATMs across the country. In my area, I checked and there's about", "two dozen. So there's plenty of them. But even better than that is you can use any ATM and they", "will reimburse you up to $10 a month per statement cycle. I don't have clarity on if that's $10 total", "per month in ATM fees, or if that's $10 per transaction. I had contacted their support", "before to ask them that specific question and they said it was per transaction. But I went to look", "for the answer for that again, and I could not find anything in writing. And one of the cons", "we'll get to later is that their customer support has been a little slow.", "So I don't have that answer for you. Number six, one great feature that I love,", "especially coming from somewhere like Wells Fargo, is they have chat support. So with Wells Fargo,", "if I had any questions, I either need to go into a branch or I needed to pick up the phone to call", "and click through a bunch of phone number systems and selections and all that kind of stuff. And", "it's just a pain and I hate it. The great thing is they have a chat feature right in their app", "and you can chat with their support team that way. Number seven, the app is solid. I wouldn't say it's", "amazing. I wouldn't say it's bad. It's just, it does what you would expect and it's pretty", "dependable. The only minor issue I have with it is that if I set up face ID every once in a while,", "I have to reset up face ID. I don't think that that's a limitation of Apple because I don't have", "to do that on other apps that I use face ID on. So it feels specific to this app that it glitches", "every once in a while. So that's a little bit of a pain, but otherwise it works totally as expected.", "So that's it for the pros. And now we're going to move on to the cons. The first con,", "which I alluded to earlier is the support has been slow. When I first got on with them,", "if I opened up the chat support within minutes,", "it felt like you were texting with a friend. You would have a response. Now, I mean, the other day", "I had a question and literally it was seven hours before they connected me with a support", "representative. Today to try to get that answer to the ATM question that I had, I called them", "because the chat was going to be a little bit and there was a 34 minute wait time.", "So support has gotten slow, which to some extent is understandable because most industries are", "experiencing understaffing. And so I have some allowance for that because probably if we compared", "them to other banks in the industry right now, they would be able to get a little bit more", "Number two, with Ally Bank, you do not have access to cash deposits at all. So if you get cash", "regularly and need to deposit that into the bank, you're going to need to have another local bank", "that you can deposit that money and then transfer it from that one bank into Ally. For us, that's not", "an issue. We only typically need to get cash. We don't need to give cash. So it's not an issue at", "all, but that could be a problem for someone. The third con is that I set up an investment account", "with them. When they show you all of your account balances, they show you a total number of your", "account balances. So that includes any checking accounts you have access to, any savings accounts", "you have access to in your investment accounts. But what I don't like about that is like I just", "talked about in my last video is I'm trying to pay less attention to my investment account numbers", "because as the market is in turmoil, I don't want to be stressed out when my account goes down by", "multiple thousands of dollars in a day. So when I look at my account and I see that little bit of", "money going down, I'm like, oh, I'm going to have to pay that large number going down. It messes with", "my head. So in the long run, I plan on moving our investment accounts away from Ally. I did have", "other issues with the investment accounts as I've never had a major issue trying to figure out how", "to place an order and to set it up. But I really got stuck in their system trying to figure out how", "to make it go through. And so it just wasn't as intuitive as I would have hoped. All right, so the", "last con, which is number four, is a complicated one. It has to do with checking accounts overdraft.", "So what they allow you to do and what allows them to avoid overdraft fees is they allow you to", "connect your checking account to a savings account that you have some funds in. And so if your", "checking account reaches a negative amount, then it will automatically withdraw money from your", "savings account and put it in your checking account. The issue is the way that we do our", "budgeting system is that we keep a smaller amount of money in our checking accounts. And every once", "in a while, we will overdraft, maybe a couple of times a month, because we, you know, we're", "trying to force that number to be a little bit low. So when that happens, it pulls the money out", "of the savings account. The issue is the savings account by federal law are required to only allow", "six transactions from your savings account per month. It's some regulation called Regulation D.", "This is not allies choice. This is across the board that the withdrawals from savings accounts", "are regulated so that it helps the bank maintain a certain level of funds. But the issue for me is", "unless there's some regulation I'm not aware of, they could fit it in the bank and it's not going", "another checking account to withdraw money from when your account reaches zero. So that's a", "complicated issue that may not be an issue for everyone. But for us, it's a little bit of a", "headache that every once in a while we are in danger of getting a $10 fee per transaction out", "of the savings account when we've reached that limit. So those are the pros and cons. Overall,", "we are extremely happy with Ally Bank. We're glad we made the switch. And in most cases, I think you", "also will be thrilled by it, especially if you're coming from a credit union or even some of the", "bigger banks that have lots of fees and stuff like that. They've just been a joy to work with. The", "primary place where I think that you might have issues are is if you need to make cash deposits.", "If you still want to use Ally, you're going to have to have another bank. And the other issue", "would be I do not recommend it for investing. I would stick to some of the major brokerage firms", "like Fidelity is who I use and enjoy and like. So that's it for today. Thanks for tuning in.", "I'll see you next time on the channel." ]

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[ "I have no idea where they're getting that information.", "All of my deals usually close within about 30 days.", "The deals that my agents do usually close in about 30 days.", "The caveat to that would be if it's a cash deal, it usually closes quicker,", "which they actually do get correct here.", "They say it takes about a week to close a cash deal,", "and that's about right unless you're doing inspections and things like that.", "But 50 days for a mortgage, no idea where that's coming from,", "from whether it's conventional, FHA, USDA, or did I say VA or FHA?", "Anyway, all of them, even the guppy loans, they're getting done in about 30 days.", "And there are some first-time homebuyer programs where they've got to kick it out to whoever,", "OFA, and they've got to send it back, and maybe that takes an extra couple days.", "But even then, you're still looking around.", "33, 34 days, it's really not that bad.", "I have no idea where this 50 number is coming from.", "Agents, what's wrong?" ]

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[ "Hi, I am Slava.", "Welcome to my channel about money.", "Green Dot is a big company with millions of customers and it is FDIC insured.", "It has more than 100 thousand retail locations across America like Walgreens, 7-Eleven, CVS,", "Walmart and other.", "There are few ways how you may receive this Debit Card.", "Unlimited Cashback Account by Green Dot Bank.", "It is the most generic card that you can enroll online or purchase Starter Pack in retail", "store.", "If you got Green Dot Limited Card at retail store you will have to deposit from $20 to", "$500.", "Your one time deposit is limited.", "Up to $3,000 per day.", "Keep in mind that you cannot start using this card without identity verification.", "It will start with uploading photo of your ID.", "Here is what you have to know after the verification.", "Pay withdrawals are limited to $500 per day and you cannot make a purchase of more than", "10 grand.", "Your first transfer to Green Dot Bank is $100.", "Paying from another bank cannot exceed $100.", "And all further transfers cannot exceed $1,000.", "Other features.", "Free Fast Direct Deposit.", "You can receive your paycheck up to 2 days earlier than in a regular bank.", "You can make free cash deposits with the app at your favorite retail store.", "The Green Dot Debit Card has a 3% cashback.", "But on online purchases and mobile pay.", "If you will use this debit card in a gas station you will not receive this 3% cashback.", "There is no overdraft fees and no minimum balance.", "Free Direct Deposit is available with the unlimited Cashback Bank account.", "To do this you have to login to Green Dot Mobile application.", "Select Deposit Cash Newly.", "Then select Retailer.", "And create a secure deposit code.", "This secure code will expire within 1 hour.", "And you can generate only 3 codes per day.", "Bring your cash and show this code at the register.", "The cashier will scan the code and will provide you a receipt.", "The cash will be deposited to your account within 10 minutes.", "You can use this card to deposit your cash.", "But the catch is that is interest calculated daily but posted annually.", "Not a monthly as in other savings accounts.", "The maximum amount to earn the interest is $10,000.", "Now let's talk about fees.", "Monthly fee is $8.00.", "But it can be waived if you will spend $1,000.", "Balance inquiry will cost you $0.50.", "Replacement card is $5.00.", "Foreign transaction fee is 3%.", "Paper check fee is $6.00 for 12 checks.", "You may receive a Green Dot card from your tax preparer.", "For example.", "You may receive it from TurboTax.", "And it was an epic mistake.", "If you get this card you can withdraw cash at ATM.", "It will cost you anywhere from $0 to $3.00.", "Depending on issuer.", "The only way to waive the fee is to deposit $1,000 every month.", "Green Dot has also secured credit cards.", "The annual fee is $40.", "The APR for purchases is 20%.", "Late payment fee is $27.", "So Green Dot will take advantage of you.", "Keep it in mind.", "But they will report how you used the card to credit score agencies.", "The last thing we will talk is Money Pack.", "When you purchase the Money Pack you can deposit anywhere from $20 to $50.", "Then you will have to create an account and verify your identity.", "For example you may be required to provide photo of your ID.", "Then you will have to add an eligible prepaid or debit card where you will deposit the money.", "Retail purchase fee for the Money Pack is $6.00.", "And it is $10.00.", "Monthly fee for unused funds is $6.00.", "And the limit is $500.", "What do you think about this card?", "Will you use it?", "Let us know in the comments." ]

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[ "Card. This is one of the more popular credit cards out there for people with bad credit,", "limited credit, or no credit. So we'll cover the main things you need to know about this", "credit card in this video, but we do have a full review that's on our website, CreditCards.com.", "So if you're watching on YouTube, hopefully we earn your thumbs up, but we will also put", "the full review for you down below in the video description. If you're already on our site,", "you can search around to find the review if you're not already there. Now let's go item by", "item though to try and figure out whether or not this is the right credit card for you.", "Alright, so first things first, as the name states, this is a secured credit card,", "meaning there is a security deposit required with the card. It's not a big deal though,", "these are really popular types of credit cards, and that security deposit is refundable when you", "close your account, unless there are additional charges on the card or fees or penalties to pay.", "Otherwise, that is a refundable.", "And for a lot of people, this can be the only way to get a credit card. If you have really bad", "credit or no credit or a very limited credit history, this can be the only way to make sure", "you do get a credit card. Now your initial credit limit with the card can be as little as $200,", "but there is the option to deposit more money and receive a higher credit limit,", "which I tend to think is a good idea for a few reasons. For instance, it can help you to keep", "your credit utilization rate lower, and you can learn more about that on our website and about", "the components of your credit score.", "But the short story is that your credit utilization rate is the amount of money you're", "currently borrowing divided by the credit that's available to you. So if you only have this one", "credit card, it is the amount that you're currently borrowing, the current balance on the card,", "divided by your credit limit. And so if you increase your credit limit and you keep", "the amount that you currently have on the card, your current balance steady, that should decrease", "your credit utilization rate, and that should be a positive factor on your credit score.", "So,", "suffice it to say, if you can increase your credit limit, you want to do it.", "Now switching gears here, I know a lot of people when they're considering getting a credit card,", "they're concerned that there's going to be a hard credit check in the application process.", "And that oftentimes is the case. And that can actually hurt your credit score in the short term.", "Fortunately, with this card, there is no credit check necessary to apply or qualify for the card.", "So this can be a really great place to start if your goal is just to raise your credit score and", "build credit over time.", "In addition to that, the card comes with $0 fraud liability, which means if somebody steals your card or they write down the card number,", "or if you just notice any fraudulent charges and you report them in a timely manner, you won't be out any money whatsoever.", "And that's one of the main reasons that a lot of people say spending on a credit card is safer than spending on a debit card.", "Now, one other thing to be aware of is the annual fee situation, which you can see here on the screen.", "It's definitely reasonable and many secured credit cards do have an annual fee.", "But just keep it in mind as you go to apply for the card.", "Also, in addition to that, there is an inactive account fee, which is something that I don't think you're going to run into.", "But if you do get the card and you don't use it for a year, you will then be charged $10 per month until the account becomes active again,", "meaning until you start spending on that card again.", "So my advice here is that to continue to spend on this credit card, even if it's very small transactions,", "until you are ready to close it.", "And then you can close the account and move on to a different credit card.", "But that's about it for the video.", "You know, just a quick overview of the card.", "You can learn more about it on our website.", "I would say it's one of the best secured credit cards out there, and it's one of the best options if you're looking for a credit card and you have bad credit, limited credit or no credit history whatsoever.", "So again, check out our full review.", "Thanks for watching the video.", "If you're on YouTube, you know, hopefully you subscribe to our channel and we earn your thumbs up.", "Have a great day.", "And I'll see you in the next video.", "Bye." ]

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[ "पर वो transaction मैंने नहीं किया", "देखिये सर बोलना तो नहीं चाहिए", "पर जब आप hot singles in my area जैसे messages को अपने payment credentials देते हैं", "तो आप और क्या expect कर सकते हैं", "माडम मैंने किसी को अपने payment credentials नहीं दी और नहीं कोई OTP", "ये एक unauthorized transaction है तो please आप amount reverse कर दे", "सर्चिनली सर", "ओसे देखिये system में लिखा है कि buttermilk को कहते हैं हिंदी में चास", "I ain't got time for your बखवास", "माडम बस बोल मैं रहा हूँ शब्द RBI के है", "According to RBI guidelines अगर मेरे bank से कोई भी unauthorized transaction होती है", "और मैं bank को within 3 working days बता देता हूँ", "तो bank को वो transaction reverse करना पड़ेगा within 10 working days", "सर अब आप RBI को लाइंगे बीच में तो हम क्या ही बोल सकते हैं", "but I hope आपने ये बाकी customers को नहीं बताया है", "माडम मेरे बताने से क्या है", "Shoya Kapoor ने already बता दिया है Instagram पे" ]

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[ "Capital One Venture X card. Bam! And I just wanted to share my thoughts with you on whether", "or not that I think that this card is still worth it. And to be honest with you guys,", "I think honestly it... Wait, before we get into all of that, do not forget to smash that like", "button to show your boy some love. It really helps out with the channel. So I'm sure by now", "you've heard of this card. It was one of the hottest cards on the market at the time, which", "was about a year ago. Everybody was talking about it. Everybody was making videos about it. And I'm", "not going to lie, guys, I even jumped on a bandwagon. I was one of its biggest cheerleaders.", "I made a review video, which I'll link below if you want to check that out. Now, at the time,", "I didn't have any other premium credit cards. And I thought that this card was perfect for me", "because I could actually justify paying that high annual fee. Yes, this card does come with a $395", "annual fee. However, this card is not a premium credit card. It's a premium credit card. It's a", "paying for itself in the end. You actually walk away on top with $5 in your pocket.", "When I first signed up, it was advertising 100,000 points after spending $10,000 in the first six", "months. Yes, that's a pretty steep spin, but I had some expenses coming up where I knew I could hit", "that spin easily. You also received a $200 vacation rental credit. Now, I didn't know how I was going", "to hit that $200 credit. I don't stay at Airbnbs or those type of places. I typically stay at a", "hotel. But I think I paid rent and it ended up triggering that credit. So that's how I ended up", "getting that credit and I'm not complaining. Now, the current signup bonus is 75,000 points", "after spending $4,000 in the first three months, which I think is a lot easier to hit, but it is a", "lower signup bonus and you no longer receive that $200 vacation rental. You also get 10X on hotels", "and rental cars when booked through the portal, 5X back on flights when booked through the portal,", "and then 2X back on everyday spending. You also get amazing cell phone protection when you're", "paying your monthly bill with this card, primary car insurance, and then great travel protection.", "Plus, the biggest benefit is that this card,", "gives you up to four authorized users at no cost. They get the same benefits and they get", "access to priority pass. Like I said, guys, this card comes with a ton of benefits. Who", "wouldn't want this card? I don't. So we talked about all of the good stuff, guys,", "and let's talk about some of the bad stuff because all of these cars have their pros and their cons.", "One thing was Capital One. They didn't have the best transfer partner setup.", "They changed this drastically to their ability, which is great because now it's one-to-one when", "you're transferring.", "Now, I'm going to constantly adding transfer partners, which is great.", "Another thing that I hated about Capital One was their customer service. They had the worst", "customer service. When I first got this card, I called in one time and I was just so frustrated.", "I almost canceled the card. The person on the other line didn't understand me. I didn't understand", "them. They would transfer it up to somebody higher. The same exact thing. We would just be", "going in circles. They didn't understand me. I didn't understand them. Now, if you want to", "outsource, that's fine, but you have to make sure that both parties can understand each other.", "But they did fix that.", "Now, when I call, I'm able to have a pleasant conversation, a pleasant interaction, and we both", "understand each other. So I definitely take my hats off and give them kudos for that because", "they did fix that customer service issue. But last but not least, guys, my biggest issue with", "Capital One is their travel portal. Every card has their own travel portal, which is fine. But", "the thing with Capital One, if you want to take advantage of some of their benefits, that 10X,", "that 5X back, that $300 annual credit, it has to be used through the travel portal. Now,", "you don't have to use the travel portal. That's totally up to you. But then you miss out on some", "of those benefits that really make this card what it is. So we can see that the pros definitely", "outweigh the cons with this card and what all the hype was about. So why did I end up downgrading", "this card, guys? Yes, that's right. I no longer have this card. I have the Capital One Venture", "Card. This is their no annual fee card. So if this card has all these benefits and it's so great,", "why did I end up getting rid of it? Well, to be honest, guys, I knew that I wasn't going to be", "doing a lot of traveling this year. I knew that I was going to be doing a lot of traveling this year.", "I just moved last year. I'm still trying to get settled in here. I'm going through so many life", "changes. So things are changed around me. And I knew that I wasn't going to be doing that much", "traveling. And I couldn't take advantage of that $300 travel credit, which helps offset that $395", "annual fee. And with that travel credit, you can't carry it over. It's either you use it that year or", "you lose it. So I decided to get out while I was on top. However, I got tremendous value in that", "first year. I was able to take advantage of that 100,000 point signup bonus, which is about $1,000.", "That $300 travel credit, that $200 vacation rental credit, and the $100 for the global entry.", "Now, if you minus that $395 annual fee, I had a positive value of $1,205 plus the additional", "perks and benefits. So I definitely received my money's worth with this card. I even made another", "video on how to maximize the value of this card using its counterpart, the Capital One Saver.", "That is a no annual fee card. And I do think that's one of the best credit card combinations", "on the market. Now, my initial goal was to get rid of that $300 travel credit, but I didn't. So I", "having doubts. First was the removal of some of the Priority Pass benefits. As of January 1st,", "2023, Venture X cardholders will no longer have access to participating restaurants,", "spa services, and shopping benefits across the Priority Pass network. Now, this wasn't that big", "of a deal for me personally, but to see these type of changes after the first year was a little", "alarming. Then as happy as I am that they've increased the transfer rate, they don't have", "any partners that really stand out. I mostly stay at Hyatt, which is,", "exclusively through Chase, and I fly Delta, which is exclusively through American Express.", "So one of the great things about this card is it does come with a points eraser feature.", "I use this so many times. Again, I don't have a problem booking my domestic flights through the", "portal. Like I said, I like to fly Delta. I like to fly Comfort or First Class. So I will book it", "through the portal. I will get those 5X points back, and then I will use the points that I've", "accumulated to erase that expense. The only issue with this is, it's only one cent per point.", "Now, I also have the Chase setup, where I'm able to get one cent per point. So I can get one cent per point.", "I can get one cent per point using their portals. So that's why I said this card started to make a", "little less sense to me. And also seeing that both of my travel partners that I use the most,", "Delta and Hyatt are with the other issuers, and they're starting to remove some of their priority", "paths and get those restrictions on that. I start to question how sustainable is this card. If", "they're making sure that everybody gets it in their wallet, because they're going to pay you", "to keep this card because you're coming out on top with that $5, and then everybody gets it,", "what's the next logical thing? You either remove some", "more of the benefits or you increase the annual fee, which I'm sure they're going to do this year.", "But that's why I decided to downgrade, guys. But I am looking forward to seeing what this", "year brings, seeing the new cards that come on the market, seeing the changes that they make to this", "card. So I'm really getting excited for that. But comment below, let me know if you decided to keep", "this card in year two. What's your experience with it? I would love to hear. As always,", "don't forget to like and subscribe, and I'll see you next time. Peace." ]

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[ "This is Moneyline with Nancy and I am Nancy.", "Najee, it's so nice to know that you're joining us again today.", "I will give you a front row seat on everything concerning business, finance and economy.", "So let's get started.", "Of course, the news around town now is that President Bola Ame Tsunobu has nominated 28 persons as ministers.", "And the list includes ex-Kaduna Governor Nasser El-Rufai and ex-River State Governor Nyesom Mwike.", "The list was contained in a letter that was read by the Senate President Gotsuil Akbabi at Plenary on Thursday.", "The ministerial list was submitted to the Senate by the President's Chief of Staff, Femik Bajabiamilat, about 1.19 p.m.", "The submission of ministerial nominees is in line with the constitutional provisions stipulating", "that the President has, from the date he was sworn in,", "a 60-day window.", "The list is also included in the list of candidates to appoint ministers.", "And according to the ministerial list read by the Senate President,", "the nominees include former governors, economists, health experts, lawyers and allies of Mr. President.", "Within the program, we will be looking at that list comprehensively." ]

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[ "and encourage other victims to come forward.", "The main reason people borrow from loan sharks is to pay their monthly bills", "or deal with day-to-day living expenses.", "This was no different for Becky.", "After she and her family moved to a new area,", "they found themselves in financial difficulties.", "I needed the money for school uniform for my children", "and I just didn't have the money at the time.", "My husband had just been made redundant.", "I didn't have the right money coming in.", "Very difficult time.", "I'd gone in arrears with my rent.", "We just didn't have the money coming in.", "And a friend mentioned about a loan shark", "and we just had a conversation.", "And I just went, I don't know if I can afford new shoes.", "And the person said, I could get you some money.", "And I was like, really?", "What's the catch?", "And she basically said,", "you borrow 50, the next week you give them £100 back.", "And at the time I thought, well, desperate measures.", "So I agreed to them terms.", "And borrowed.", "I paid the 50 pound to go and get my children's uniform." ]

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[ "अब कल मैंने दुकान से 18 रुपे का समान खरीदा और छुटे नहीं थे तो मैंने सीधा उसकी मशीन पर फोन टैप करके Payment कर दी", "शॉपकीपर भी हैरान हो गया", "इसके लिए आपने जीपे की प्रोफाइल पर जाना है और फिर यहां से अपना कार्ड आड़ कर लेना है", "और आप सिर्फ टैप और पे कर सकते हो कोई OTP या पिंट डालने की ज़रूरत ही नहीं है", "और यह सभी NFC वाले Android फोन्स में काम करता है", "यह उनके दोस्ता के लिए खतरनाग हो सकती है", "पे कंटेक्स पर टैप करके आप अपने दोस्तों के साथ एक नया ग्रूप बना सकते हो", "इसका मतलब है कि अगर आप अपने दोस्तों के साथ किए भार्पी पीने जाते हो", "आप उसे यहां से भी ब्लॉक कर सकते हो", "बाकि जीपे के आइकन पर टैप और होल करोगे", "तो यहां से डिरेक्टली स्कैनर खुल जाएगा पेमेंट करने के लिए", "आप में जाने की जरूरत नहीं है", "प्रेर करके दोस्तों भूल बताओ इन ट्रिक्स के बारे में", "और ऐसी यूजफुल चीजों के लिए टेकीला को फॉलो कर लो" ]

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

[ "पर आपको प्राट वायर दुबान के बार प्रेटेन का ग्राम पूर्ण लगाया इसके ऊपर इसे ने एक्स का स्टिकर लगा दिया है अपना", "ट्यूब आपको लगा जाए जो भी पेवर कोई लोग करते हैं कोई तक हम लोग किसी दूसरे को जाना है तो यह दो का दड़ी", "नियुक्त करने की जाए धन्यवाद अ" ]

[ 0, 0, 0 ]

[ "Sean, that is a great question.", "Days like today make CDs look very attractive.", "CDs are a great way to balance out your portfolio to get consistent returns.", "Currently, you can get a rate around 4%.", "With the stock market so volatile and CDs at 4%, CDs are starting to look very attractive.", "However, the better way you can utilize CDs or a safe investment.", "CD rates are driven by the Fed.", "The Fed also influences Treasury rates.", "You can see here we can get a one-year T-bill for 4.8%, which is 0.8% better than your best CD right now.", "So we can use what's called a laddered strategy.", "Go buy bonds for different durations of time to achieve more liquidity and a similar return to the current CD rate, if not a lot better." ]

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

[ "it was released back in 2019, but now that it's been widely available for about three years now", "and millions of people have it, I wanted to ask the question in this video, is the Apple Card", "still worth it in 2022? Now the quick and easy answer for most people could be yes, because after", "all, the Apple Card is a no annual fee credit card and it can also earn unlimited 2% cash back on", "everything when paying with Apple Pay, which is pretty good. But even if this card might be worth", "it, not everyone should be using it. So that's what we're going to be talking about today in this", "Apple Card review. We're going to go back and forth between some of the positives and some of", "the negatives of the Apple Card, and then we'll talk about the different types of people who", "actually could find some good value from having it. So let's just get right into it here. Make", "sure to go ahead and tap the like button and subscribe down below to help support the channel.", "But to start off, like I said, the Apple Card has no annual fee, which is the first positive", "feature about it. Now the fact is that annual fees on credit cards just don't appeal to the", "majority of people. So if you're a credit card user, you're going to want to make sure that you", "out there. And since Apple wanted to draw in a very large potential customer base for this credit", "card, it just made sense for them to keep that annual fee out of it. However, on the flip side", "of that, unlike many other credit card companies like Chase, American Express, Capital One, Citi,", "and others, the Apple Card is not going to be offering any sort of welcome bonus when you sign", "up. And I know that to some people, the fact that this card does not have a welcome bonus is not", "going to be a deal breaker on the surface. But let me quickly explain why getting some sort of", "welcome bonus on a new credit card is not going to be a deal breaker on the surface.", "So if you compare the Apple Card earning 2% back on everything through Apple Pay with no welcome", "bonus to something like the no annual fee Chase Freedom Unlimited that gets 1.5% back on everything", "with a $200 welcome bonus, that 0.5% difference in cash back might not seem like a big deal at", "first. But then when we factor in getting $200 upfront with the Freedom Unlimited, we can start", "to see why a bonus is so important. The reason for this, if we take a look at some simple math", "on the screen right now, you would have to spend $40,000 to get a $200 welcome bonus.", "So if you're using the Apple Card to earn $800 in cash back, you would have to spend $40,000 to earn", "$600 in cash back. Now, of course, $40,000 is a lot of spending to put on one single credit card,", "no matter how you look at it. And even if this was going to be your one and only credit card", "that you use, I still think that for most people, it would take several years to put $40,000 of", "expenses on this credit card just to pay for things that you would normally use a credit card", "for. And a quick side note here, that Freedom Unlimited card can actually be combined with", "other Chase credit cards so that the 1.5% back really turns into 3% back or more on everything,", "as long as you're redeeming those earnings on this credit card for things like travel.", "I know that might sound confusing if you're not familiar with this, so go check out some of my", "other videos after watching this one, where I explain all that in much more detail, and I'll", "link that stuff down in the description below. All right, now that we've addressed the Apple", "which I think is a positive, along with having no welcome bonus, which I do think is a negative,", "let's next start talking about some of the main features and benefits of this credit card,", "starting with a little bit more details around that 2% back on everything. So this is one of", "the main selling points of the Apple card. And like I said before, 2% cash back on all purchases", "is only available if you use your Apple card through Apple Pay on your Apple iPhone or some", "other Apple product. Now, clearly this was a very intentional play by Apple here to keep their", "users within their overall ecosystem. And it really shouldn't surprise anybody because Apple", "has such a huge following and has been so successful with a market cap that is now around", "$3 trillion. But from a general credit card user perspective, 2% cash back on all purchases is", "decent if you do find yourself using Apple Pay on a regular basis. The real downside here though,", "and the part that's frustrating to me and many other people out there, is that if you use the", "actual physical Apple credit card that you can receive in the mail, which Apple is constantly", "marketing on its website, is that it's not going to be able to get you to use it. So if you use it,", "basically just what any starter credit card out there can offer you. So in order to maximize what", "the Apple card can earn for you, you really should never even take it with you in your wallet. But", "people really like to show it off and look at it because it is a nice metal credit card. So it's a", "weird little dynamic that this card has. And it's another negative in my opinion, because with other", "cards out there, you'll get 2% cash back, whether you're paying with Apple Pay or just by swiping", "that physical credit card. But I get it. Apple's just trying to push Apple Pay out there. And this", "is kind of just a smart way for them to do it. Now, regardless of how you're using the Apple", "card to get either 1% with a physical card or 2% with Apple Pay, Apple is going to pay you out", "those earnings in the form of what they call daily cash back. So daily cash back is another nice", "positive feature that I do like about the Apple card, but it's probably not nearly as important", "as some people think it is. What Apple does is instead of waiting,", "until the end of a monthly billing cycle to pay out any credit card points or cash back in one", "lump sum payment, like many other credit card companies do, Apple card is going to pay its", "users that cash back on a daily basis as they accumulate it through their daily spending.", "That way, whatever daily cash back you have in your account is available right away for you to", "use it however you want. But honestly, this feature to me feels very similar to receiving", "your paycheck two days early, which many newer bank accounts are offering because it sounds nice", "on paper, but does it really matter? Now I get it. There's this whole idea about", "the time value of money where a dollar today is worth more than a dollar tomorrow because with", "a dollar today, you can invest that dollar sooner so that it can grow in value for you.", "But realistically, the amount of daily cash that you're going to be receiving that much", "sooner is not going to be anything that's truly meaningful to impact any of your planned spending", "or investing. And if you really do want to invest whatever small amounts of cash back you're earning", "each day or each week, you don't need the Apple card or daily cash back to do that because you", "know with other credit cards out there, even if you're getting that cash back at the end of the", "month or something like that, you still can see the amount of cash back you're accruing in that", "account. So if you're sitting on a cash reserve in a separate account, you can just take an equal", "amount of that cash and then dollar cost average into the market that way. Again, I really don't", "think that many people out there think about cash back with the Apple card like this, but I just", "wanted to mention it. So I'll say that daily cash back is another positive feature because it's", "always nice to see that cash back in your account sooner rather than later, but it's really not a", "feature that should make you want to go out and get the Apple card today. I also wanted to point", "out that on top of getting 1% back on everything,", "a physical card and 2% back on everything with Apple pay, there are some ways to get 3% cash back", "at a few places. So of course, as you'd expect, you'll get 3% back on all Apple purchases. That's", "going to be purchases that are physical and digital products, subscriptions, or really anything else", "that you buy through Apple. That's nice to see because 3% back is a good amount, but Apple", "purchases is not an everyday spending category. So it's not something that I really personally", "value too much. I'd much rather see the Apple card get 3% back at some everyday spending categories", "like travel or different things like that. Now, in addition, you can also get 3% cash back at a few", "select places like Panera, Walgreens, Uber, Nike, and a few others that maybe we'll see some changes", "or additions to over time. But for now, 3% back at those places isn't too bad either. Okay, next here", "for another feature of the Apple card, we're going to be talking about how this credit card can be", "used to finance Apple purchases at 0% interest, which might be interesting to you because Apple", "does sell some pretty pricey things. For a lot of people, it's when they're looking to buy a new", "iPad or iMac or anything like that from Apple that it comes to their attention that they can", "apply for the Apple card. That way they can buy those things, but finance it and pay for it over", "a longer period of time, again, at that 0% interest rate. Now, this sounds like a good deal and it", "definitely can be, but of course, from a personal finance perspective, I think that it's always", "important to ask yourself, why are you making this purchase? I like to always recommend to people", "that they look at the less expensive option first before they turn to that 0% financing on the Apple", "card. And there's very good reason for this because a lot of times,", "people will see that $2,000 sticker price for a brand new 2022 MacBook Pro, and they'll think to", "themselves, I don't have the cash on hand to pay for that right now, but then they'll see that it", "only costs $167 each month for the course of 12 months to pay for that same $2,000 MacBook Pro.", "And for some reason, it becomes easier in their heads to justify that purchase, even though they", "know that they don't have the cash to pay for that. Now, if that MacBook is going to be used", "to generate income for an online business that you have, or if it's truly necessary for something in", "your college studies or something like that, then yeah, I do think that the Apple card,", "could be a good option for you in those situations. You just have to make sure that", "you're using that 0% financing wisely. But personally, I think that if you can afford", "to pay in cash, then you definitely should, or at the very least, look at getting a refurbished", "model or the previous year's model instead to get a little bit more bang for your buck.", "Remember that even though it is 0% financing and you won't be paying any extra in interest,", "it's still debt and you're still gonna have to pay that back at some point. Plus,", "it's another new monthly payment that you have to factor into your budget. So I just like to", "put all that stuff out there when talking about this feature.", "Now, a few other important details about that 0% financing feature on the Apple card,", "depending on the type of new Apple product that you're purchasing, the length of time you're", "gonna get to pay back for that product is going to vary. So I'll put that on the screen right now,", "all the information that you need to know. But for iPhones, I believe it's 24 months,", "so 24 equal payments over two years. For MacBooks, it's gonna be 12 months,", "but that time period is different for Apple watches, for MacBooks, for AirPods, and other", "stuff like that. Another thing that you need to know and must consider before you finance the", "purchase of any new Apple product is that you need to know how much money you're gonna be spending", "with this credit card when you're approved. When you finance a product on the Apple card,", "the amount that you owe is going to reduce the amount of credit that's available to you from", "your overall credit limit. So for example, if you finance the purchase of a new $1,000 iPhone,", "but only have a $2,000 credit limit on your Apple card, that is going to use up $1,000 of that credit", "limit and leave you with only another $1,000 to use for other purchases. But more importantly,", "your credit utilization", "is now 50%, which is definitely on the high side for one single credit card. And any further", "purchases that you make with this Apple card is just going to add onto the balance and increase", "your utilization even more, which will definitely affect your credit score. I've talked about credit", "scores and credit utilization in some other videos that I have here on my channel, which I'll link up", "here on the screen and down in the description below. If you want to go check those out to learn", "more, if you don't understand what I'm talking about, but one thing that you definitely do need", "to understand that I'll mention here in this video is that credit utilization is a very high impact", "factor to your credit score. So if you're looking to get credit score, you're gonna want to make sure", "Okay, now next, let's talk about another positive feature of the Apple card. And this is one that I", "think is one of the most important and something that people value the most with this credit card,", "and that is going to be simplicity. Apple has always been about simplicity and making products", "that are easy for people to understand and use. Just look at the first iPhone from back in 2007,", "which was this revolutionary technology at the time, and it led to these smartphones that we", "have today, which have completely changed the way that we communicate and use the internet. All of", "these things really started with the first iPhone because it was simple to use and felt natural.", "Well, with the Apple card, Apple wants the users of this credit card to feel the same way because", "they know that credit cards in today's world are a bit mysterious. A lot of people out there don't", "know how to manage them and they don't fully understand how they can use credit cards", "strategically or how to use them to increase their credit score, how to avoid paying interest or other", "things like that. It's really not that much work. All you got to do is just a little bit of research", "on your own. And it all starts by subscribing to channels like mine, where I talk about credit", "cards and other good personal finance habits. And I'll see you in the next video. Bye.", "Now, being an authorized user on a parent's credit card account is a very common strategy", "for people who have just turned 18 and are looking to get a head start on building their own credit", "history from scratch. So I think that's a very good thing with the Apple card. All right,", "now let's talk about the types of people that I think the Apple card is right for,", "as well as the types of people that I think it's not right for. It's not right for people like me", "who like to use credit cards strategically in order to get welcome bonuses and to earn points", "to maximize and then redeem for free travel, because the Apple card is really just a basic", "cashback credit card. It's also not right for people that don't have an iPhone or for people", "that are considering switching between iPhones and other phones out there in the market. Because if", "you do not have an iPhone, then you're really not taking full advantage of all the features that the", "Apple card has to offer. And it's even probably not right for people who are looking for the", "optimal cashback credit card setup, because while it does get 2% cashback on everything", "with Apple Pay, you are limited by that Apple Pay feature only. There's plenty of other 2%", "cashback credit cards out there that offer 2% back no matter what, like the SoFi credit card,", "which is the double cash. So there's plenty of other options out there and plenty of other", "cashback cards that earn cashback at a much higher rate and better everyday spending categories as", "well. But now let's talk about who the Apple card is right for. So I believe that the Apple card is", "going to be right for you and worth it in 2022 if you truly value simplicity over everything else.", "If you're a beginner with credit cards and maybe have a limited credit history,", "then I do think the Apple card could be a good option for you because it's fairly easy to get", "approved for. And then once you are approved for it, you'll see that it's", "easy to use and you can get more comfortable using it and get a better understanding of how", "to use credit the right way. Then you can graduate onto some better credit cards out there that offer", "more than the Apple card in terms of benefits and rewards and features while still keeping the Apple", "card open since the Apple card is a no annual fee credit card and it'll continue to positively", "affect your credit score over time. And even if you're not a beginner with credit cards,", "the value of that simplicity that the Apple card offers with all those features that I talked about", "in this video, that value of simplicity can be much greater to you than you", "might value the rewards and other benefits of more traditional credit cards.", "But like I said before, if you do get the Apple card, then just make sure you're using it the", "right way to help your credit score and not hurt it. If you're curious about how to do that, then", "go check out this video that I made recently where I talk about the two factors that you", "need to focus on to help your credit score the most. As always, I just want to say thank you so", "much for watching this video all the way until the end. I hope you have a great day and I'll", "see you in the next one." ]

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[ "it only makes them rich. If you read Rich Dad Poor Dad, it says your house is not an asset. Why?", "Because for 30 years, when you own that house, you're sending money to the bank, right? So when", "you have a 401k or a retirement plan and all this, and let's say you start at 20 and you're", "going to retire at 65. For 45 years, you're going to send that money to buy stocks, bonds, mutual", "funds, ETFs, and savings. Stupid. I want my assets putting money in my pocket. I don't want to buy a", "house that takes money from my pocket. Most people's retirement plans aren't assets. They're", "liabilities because they're sucking cash out of that person's pocket for 45 years." ]

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

[ "and that's going to be the Chase Inc business cash card. Now I've been wanting this card for a while.", "I think this card is definitely an awesome card. I haven't been able to get it because I've been", "over Chase's 524, but now I'm actually under Chase's 524. This is the first card that I'm", "going to get. I think this card is absolutely great. I'm going to go over all the different", "benefits of the card and why I think this card could definitely end up being a great addition", "to your wallet as well. Now this is a business credit card, so you will need to actually have", "a business to get this card. Now if you happen to have a side hustle or sell things on eBay or", "something like that, it can end up qualifying for a business, but just know that they are going to", "ask you questions about your business when applying for this card. Now since this is a Chase credit", "card, it is subject to Chase's 524 and for those of you who don't know, the 524 rule is going to be", "that if you end up getting five cards over the last 24 months, you will automatically end up", "being denied for the next card you end up going with Chase. However, the beautiful thing about", "this card is that even though it's a business credit card, it's not going to be a business credit card.", "It is actually subject to Chase's 524. When you actually get under 524 like I am right now at 424,", "we actually end up applying for this card and getting approved for it while you will end up", "getting a hard inquiry pulled on your personal account. Since it is a business credit card,", "it isn't actually going to add any more new accounts to your actual credit card history.", "So that means that I can get this card, get a hard pull, but still be at 424, which allows me to get", "more Chase credit cards. Now I made sure to get this thing expressed to me. I think that anytime", "you end up getting a new credit card, ask if they can't express it because then you can end", "up getting a new credit card. So that's what I'm going to do. I'm going to get a new credit card", "this one ends up being an awesome one. You're going to get yourself $900 in cash back after", "you end up spending $6,000 in the first three months. Now usually the signup bonus for this", "card is going to be giving you $750 after you end up spending $7,500 in the first three months.", "So right now it is currently going to be less spend that you need to do to actually qualify", "for hitting the welcome offer, but you're also going to get yourself a bigger return for the", "welcome offer. Now when it comes to earning potential for this card, you're going to get", "yourself 5X back on the first $7,500. Now when it comes to earning potential for this card,", "you're going to get yourself $25,000 spend in combined purchases at office supply stores", "and on internet, cable, and phone services each account anniversary year. You're going to get", "yourself 2X back on the first $25,000 spend in combined purchases at gas stations and at", "restaurants. And you're going to get yourself 1X back on all the purchases. Now this card has no", "annual fee, which is absolutely awesome. But also getting that 5X back in that office supply stores", "and internet and phone services can end up being incredibly valuable because other Chase credit", "cards actually aren't going to be hitting those categories. So knowing that you can do that with", "this card, you're going to get yourself a bigger return for the first $25,000 spend in combined", "purchases at office supply stores and on internet. Now while I said you're going to get", "5X back on the first $25,000 spend in combined purchases at office supply stores and online", "this card can be connected to Ches Altima Rewards earning card. The nine hundred dollars you can", "actually end up being 90,000 Chase Altima Rewards points for the sign up bonus if you actually end", "up having an Altima Rewards earning card, such as the Chase Sapphire Reserve or the Chase Sapphire", "Preferred. Now, just from the sign up bonus, you can actually have it be $900 in cash back and", "cash back or if you happen to have the Chase Sapphire Preferred, you can get yourself an", "additional 25% back when redeeming through Chase Ultimate Rewards or the Chase Sapphire Reserve,", "you can get yourself an additional 50% back when redeeming through Chase Ultimate Rewards. That", "means that this card can end up giving you $1,350 in value from the signup bonus or if you decide", "to use it with transfer partners, you can also end up getting a lot of value there. Say for instance,", "you want to go over to Europe, you can actually end up flying over to Europe through United.", "Usually ends up being about 30,000 miles each way in economy. That means you can end up getting", "yourself a round trip over to Europe and back depending on where you end up actually hitting", "the multipliers for the minimum spend, which can end up being very valuable depending on what time", "you end up going. Now, if you actually want to go over in luxury and do it in business class,", "if you end up having one of the Ultimate Rewards earning cards, you transfer all your points over", "to that and then you transfer all your points over to Virgin Atlantic and you can fly from the east", "coast of the US over to Europe for 50,000 Virgin Atlantic miles. That can end up getting you a", "Delta One business class flight. This can end up being an awesome redemption value, especially if", "you end up finding a lot of value in the business class. So if you end up getting a lot of value in", "the business class, you can get a bonus transfer that ends up happening with Virgin Atlantic,", "sometimes with Chase. Or if you'd rather use your points for a hotel stay, you could use these", "points to stay at the New Thompson out in Madrid for six nights. Typically ends up costing about", "$400 each night, but the amount of points it ended up costing, if you end up transferring over your", "Ultimate Rewards points over to Hyatt, it would end up being 15,000 points each night. So as you", "can see, you can end up getting yourself a lot of value with the Chase Inc. business cash card.", "Now, if you can also end up maximizing that $25,000", "in office supply stores and internet, then you can end up getting yourself 125,000 Chase Ultimate", "Rewards points for maximizing that category. This card has the ability to get you a lot of gains.", "Now, with a lot of Chase cards, their multipliers will end up overlapping. Something like the Chase", "Sapphire Reserve has the same multiplier as something like the Chase Fit and Flex when it", "comes to dining. However, with this card, this card has multipliers in office supply stores,", "as in gas stations, which is not a category that the other cards within the Chase family actually", "end up having. So I think this card is definitely a great business card to get. And honestly, I think", "it ends up being the best one out of the Chase family. Now, if you happen to be interested in", "this card, I will have a referral link down below if you decide to use it. It will help out the", "channel. I'll be very thankful for your support. But hopefully you enjoyed this video. If you do", "happen to have any questions about this card, drop it down in the comments section down below,", "and I'll do the best I can to answer. If you happen to really like this video, then please", "hit that like button, hit that subscribe button, and have a beautiful rest of your day. Peace." ]

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

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

[ "In this case, it's a man with a Visa gift card who discovered he has a whole lot less to spend than he first thought.", "Here's Sean O'Shea now with a buyer beware story for everyone.", "This is the first time I had this and probably the last.", "Bill Patterson's frustration is mounting by the day, all because of this retirement gift, a $250 prepaid vanilla Visa gift card.", "Not a bad gift, except six months after getting it and going to register it online, a surprise.", "I punched in all the numbers. I said I had $2.50 left.", "Patterson's card had somehow been almost entirely used up before he opened it, even though it had been in a sealed package.", "So he called the phone number on the vanilla Visa card.", "You feel that you've been getting run around?", "Let me go ahead and take a look.", "Look at the status here.", "After waiting on hold multiple times, he was repeatedly assured he'd be sent a new vanilla Visa with the correct credit.", "But with each phone call and every promise of making it right, nothing.", "They don't tell you the truth. They keep you running around. Keep you gussing.", "Not the way it's supposed to be in vanilla Visa's slick online how-to guide.", "It might be the easiest way to spend money.", "Prepaid cards like vanilla Visa have been under scrutiny for years.", "We've seen almost a Wild West mentality when it comes to the pricing of these.", "Last fall the federal government put in regulations on prepaid credit cards.", "They can no longer have expiry dates and companies are supposed to be more transparent when it comes to hidden costs.", "But those regulations do nothing to help a consumer like Bill Patterson.", "Instead of spending what should be a $250 balance.", "$250.", "He's spending time on the phone trying to get a new card that can be used.", "Easier said than done.", "I stay away from it because you don't know what you're getting.", "The issuing bank People's Trust in Vancouver says it's going to look into the case.", "The company that markets vanilla Visa says the case is untypical.", "Still six weeks after Bill Patterson started phoning asking for a fix.", "Still waiting for that $250 credit.", "We'll check back to see if vanilla Visa comes through.", "And we'd like to hear from anybody who's had a similar problem.", "Ann Leslie back to you." ]

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[ "financial goals this year, starting with the Charles Schwab High Yield Investor Accounts,", "which is by far one of the best investment and banking combinations.", "As is the case with every single product that we're going to talk about today, I have done", "full reviews on the Charles Schwab banking options, and I'll also leave some helpful", "links down below the like button where you can learn more about the products today and", "get some free cash when you sign up from a lot of them.", "But what makes the Charles Schwab Investor Bank Account so unique is the seamless integration", "between the Schwab investing platform and these pretty decent banking products.", "Now truthfully, the banking products on their own are not anything crazy, which is why it's", "at number 10 on this list, but there are some standout features like unlimited ATM fee reimbursements", "worldwide, which is insane, and 0.43% APY on your savings accounts at the time of recording", "this video.", "Which is nothing compared to some of the products we're going to look at later in today's", "video, but compared to the national average, is still pretty decent.", "Again though, the best part of the Schwab account is when you open a high yield banking", "account with them, you also get a brokerage account included, making it super easy to", "track both of these financial accounts using one login credential, which personally I'm", "a huge fan of.", "But if you're more focused on just banking, then this next platform really pioneered fully", "online banking.", "And that would be Ally Bank.", "Now I'll admit from the start that Ally is no longer the industry leader in this space", "that they once were, however they do still offer a number of financial tools that many", "of their top competitors still don't have.", "That includes things like certificates of deposit, IRA banking options, money market", "accounts, among others, and on top of that you also have your standard checking and savings", "account products, and their investment and lending services as well.", "Right now they're paying 3% APY on their own, which is a lot of money, but they're", "Like you can get a lot of savings on your savings account, which is near the top of the", "industry, and they do have several more modern features like roundup savings tools, the ability", "to get paid early using direct deposit, and even overdraft protection.", "So if you are just getting into the fully online banking world, and maybe you'll take", "advantage of some of the other financial products that they offer, then Ally Bank might be a", "great choice for you.", "Number 8 is not a specific company, but rather an alternative option for those of you who", "aren't looking for an online banking account.", "This one's pretty self explanatory, but obviously being able to physically walk into a local", "branch is incredibly useful for a number of reasons.", "Credit unions specifically usually pay decent interest rates compared to a local bank for", "example, and then of course when it comes time to borrow money, say on a house, credit", "unions usually can offer more competitive rates as well.", "There's also just something to be said for banks.", "They're building that face to face relationship at your bank if and when it comes time to borrow", "money on a house.", "So not my cup of tea personally, however I totally understand that this is necessary", "for some individuals, so it might be worth checking out your local bank or credit union.", "Number 7 is Discover Bank, which once again offers some really unique products, setting", "it apart from many competitors, including 1% cash back on up to $3,000 in debit card", "purchases every month.", "And 3% APY on your credit card.", "Discover offers some account options like certificates of deposit that some of the later", "platforms do not offer.", "And with interest rates rising so quickly, CDs are rapidly becoming a fantastic savings", "vehicle once again, with Discover offering 4% APY on a 12 month CD, which means you can", "lock in your money for 12 months and earn a guaranteed 4% rate of return, and that rate", "could likely go higher in the near future.", "Similar to Ally, they also have Retail.", "all of the surface level features that we've come to expect with these banking platforms,", "like 60,000 fee free ATMs.", "I also love the Discover It credit card because it is the best beginner option in my opinion,", "so not that that is relevant to today's conversation, but if you do have that product, then it might", "be nice having everything under the same platform.", "And it's also worth mentioning that Discover's customer service is absolutely incredible,", "so if that's important to you as well, make sure to check it out.", "Number 6 is a product that we haven't talked about in a while, but has some really cool", "changes recently, and that would be Current.", "You've probably heard some of your favorite influencers talk about this product since", "they offer the most sleek and modern banking platform on the market, in my opinion at least,", "and that's largely because it is designed for younger individuals who are more comfortable", "banking from their smartphone.", "Some key differentiators with Current are the 4% APY on their savings pod, although", "it does have a savings limit, one of the best designed mobile banking applications on the", "market, and now some integrated crypto investing tools as well.", "They also offer the best teen banking option, which I've done an entire separate dedicated", "video on, allowing teens to take hold of their finances at a young age, while also allowing", "parents to make sure that their teen is staying on the right track financially.", "The app can feel a little overwhelming at times, but that's just because they have", "a lot of great features packed into a service.", "Current is at number 6 on today's list.", "Alright, now for the good stuff, we are officially within the top 5 platforms, which are the", "ones that I feel are truly exceptional, and the financial tools that I personally use", "myself.", "And that starts with number 5, Quantic.", "And once again, the reason that they are on today's list is the unique banking products", "that they offer.", "For starters, they have the Quantic Payring, which is a debit card that you wear on your", "finger, which I think is awesome, not to mention their multiple account options for different", "types of users, like their high interest checking and savings accounts, cash reward and bitcoin", "reward checking accounts, in addition to more traditional money markets and certificates", "of deposit.", "I love the fact that they are trying out something new in an industry that far too often feels", "boring and outdated, so if you want some really unique account options, or the ability to", "pay with a piece of jewelry on your finger.", "Then you'll definitely want to check out Quantic.", "Number 4 is by far the most underrated platform on this list, and that would be the Wealthfront", "Cash Account.", "Now, we've talked about the Wealthfront Investing Platform, which I personally use for all of", "my long term investing, since it is fully automated.", "But what you may not know is they also offer a pretty great banking option as well, that", "currently offers 3.3% APY, making it the highest annual percentage yield on this list at the", "time of recording this video.", "With the exception of the 4% APY from current, although again, that does have a savings cap.", "Once again, you've got all of those standard features like bill pay, early paychecks, free", "ATM access, but the huge differentiator here is similar to what we talked about with Charles", "Schwab, and that is the ability to seamlessly and instantly transfer money between your", "investing and banking accounts.", "And they've also applied their automated mindset from their investing platform to their banking", "tools.", "And I'll also mention that they have one of the easiest to learn apps on the market,", "so the Wealthfront Cash Account is absolutely worth checking out.", "So, we've still got some of my favorite banking products yet to come, so stay tuned for that.", "360 banking products.", "Now, it's no secret that I'm not a huge fan of most national banking products like", "Chase, Wells Fargo, and Bank of America because they have fairly limited features, clunky", "and outdated software, and pay embarrassingly low interest rates.", "But Capital One has truly adapted and embraced the rapidly changing world of mobile banking,", "offering 70,000 fee-free ATMs, eliminating all account fees across the board, and offering", "a pretty insane 3% APY on your savings account while still maintaining a decent network of", "physical branch locations.", "It's not going to be the most sleek and modern software on today's list, but if you're", "looking to dip your toe into the world of online banking while still having the ability", "to go into a physical brick and mortar location, then Capital One's 360 products is by far", "going to be your best bet.", "And that's why we're putting it at number 3.", "Alright, as is the case every single year, I struggled a lot deciding between these last", "two products, and before I reveal the top two, I should make it clear that obviously", "everyone's financial needs are very different.", "I have ranked these based on my own personal experiences with these companies and platforms,", "the features that they offer, and how I feel that translates to your financial life.", "But I don't know each of you individually and what your financial needs are.", "But coming in at number 2 on today's list is none other than Chime.", "I've talked about this product at length, and the biggest differentiator here that I", "always come back to is simplicity.", "As I've briefly touched on with other platforms in this video, mobile banking is fantastic,", "but it can come at a cost and be somewhat overwhelming with so many platforms frankly", "cramming way too many features onto a tiny smartphone screen.", "And if a platform isn't easy to learn and easy to use, then it's obviously not.", "Chime's app is simple and to the point, allowing you to view your checking and savings account", "balances and access some of their other really unique tools that they offer like the Chime", "Credit Builder Secured Visa Credit Card.", "Again, not the topic of today's video, but if you do want to build your credit in a safe", "and effective way, then you'll definitely want to check out this video over here.", "As you would expect, they have literally all of the tools that you could possibly ask for", "from a mobile banking platform.", "And the main reason that it's at number two on today's list is that their APY currently", "stands at 2% at the time of recording this video, which is still really great, but isn't", "quite as high as some of the other products that we looked at.", "All right, I know for sure most of you have known what the number one product was going", "to be from the moment that you clicked on this video.", "But of course, number one for an all around banking product in 2023, in my opinion, and", "the tool that I will continue to be using in the new year is of course, Chime.", "And I'm not going to go into too much detail on that.", "I'm just going to go through the tools that I've been using in the last couple of years.", "I've got an entire playlist of SoFi videos, so I don't want to sound like a broken record", "too much here, but there's really not much to dislike about this platform.", "Early paychecks, overdraft coverage, up to 15% cash back on your debit card purchases,", "automated savings tools, an integrated budgeting platform, not to mention the abundance of", "lending products, the SoFi credit card, their own investing platform including crypto investing,", "and the newly increased 3.25% APY.", "All of that is just so cool.", "And I will warn you that this platform is definitely more complex than something like", "Chime and it is likely going to have a larger learning curve as a result.", "But it is well worth it in my opinion and as a long time user of this platform, it truly", "has allowed me to track and better understand my finances and ultimately reach my financial", "goals faster.", "Again though, everyone has got different financial needs so if you're looking for the ultimate", "investing and banking combination, I'd say you want to check out SoFi.", "If you're looking to just dip your toe into the online banking world but aren't ready", "to fully commit to that, then Capital One's 360 products is probably the best option in", "my opinion.", "Whereas if you're looking for a fully online option that is simple and easy to learn, then", "Chime is going to be the best choice in that case.", "And lastly, if you're like me and you want to have all of your financial tools under", "one platform including your banking, budgeting, investing, lending, and everything in between,", "then my all around favorite platform is SoFi.", "Remember to get your free cash when you sign up for some of these products using the links", "down below the like button and check out this video to see my top 15 favorite credit cards", "right now or this video to learn about 5 hidden features of the SoFi platform.", "As always, take it easy and I'll see you in the next one." ]

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[ "So this video right here is going to be about the Discover It Secured Credit Card and why I believe", "that 2023 is the best time to go after Discover It Secured Credit Card. So if you're new here you", "probably don't know my backstory but over here at this Water Your Soil channel I'm big on the", "Discover It Secured Credit Card. Why? It's because I started my credit score journey and my credit", "card journey with the Discover It Secured Credit Card back at the end of 2014 early 2015. I started", "my journey the Discover It Secured Credit Card was the first secured credit card that I got.", "Now I got another secured credit card around that time as well but the Discover one was the one that", "set it off for me and I'm here to tell you why you should be considering this great credit card", "in 2023. Now I started off my credit journey when I first started off", "my credit score was in the mid 500s so I pretty much had poor credit so with my score being in the", "poor range I didn't qualify for an unsecured regular credit card so I had to go with a secured", "credit card and I was doing research on secured credit cards and I came across the Discover one.", "This is back when Discover first started doing secured credit cards. It wasn't like it is now", "like now you could pretty much go to the Discover website and you could do the pre-approval", "and you could pretty much apply personally for the Discover It Secured Credit Card.", "Well back when I got the Discover It Secured Credit Card and back when I was approved for it", "you had to initially apply for their regular unsecured cash back card. You had to get rejected", "for that card and then Discover would come back in return and offer you to apply for the secured", "card. So things have changed since back then and that's good. It's good that things have changed", "since then because you don't have to go back and forth between the secured credit card and the", "unsecured credit card. You can go and apply for two different credit cards to see if you get", "approved. But on another note my credit journey has been great. I ended up working my way up from", "poor to excellent credit and it all started with my Discover It Secured Credit Card. Now I pretty", "much don't have to sell you on this card because you could go you could read reviews. I have a", "Discover It Secured Credit Card section on the home page of this Water Your Soil channel and", "you can check that out and you'll be able to see this is a great card that you can use to get a", "credit card for people who are beginning with credit. And the reason why I say it's a great card", "is because it teaches you how to use a credit card the correct way. Whether some of you may", "know it or not secured credit cards they graduate. They graduate into a regular credit card. So what", "I like to tell people is pretty much think of things with a secured credit card like a bike", "with training wheels. The secured credit card is pretty much your training wheels and you're", "learning how to ride the bike. You're learning how to use a credit card.", "And eventually you learn how to use the credit card the correct way and the training wheels come off.", "Well the training wheels coming off is simply your secured card graduating to unsecured. And once that", "happens it opens you up to some great perks with Discover. Some of the great perks include being", "able to apply for a credit limit increase and not receiving a higher inquiry. Just about everyone", "who's attempting to increase their credit score or maintain their credit score know how important it", "is to avoid getting a credit limit increase. So if you're a credit card user and you're not", "getting a credit limit increase you're going to need to apply for a credit limit increase.", "You're going to need to apply for a credit limit increase to get a credit score. Now some people don't care about", "higher inquiries but around here we're a little more conscious of them and higher inquiries", "will impact you negatively especially if you pick up a lot of them. But the current secured", "credit card with Discover one of the cool things is it offers 2% cash back on gas stations", "and restaurants and that's up to a thousand dollars. So you'll already be earning cash", "back with your secured credit card. It also offers you 1% cash back on all", "purchases. So whatever qualifying purchases you go out and make it offers you 1% cash back.", "Now the thing about secured credit cards I always tell people you don't really want to treat them", "like a regular credit card. So your concern should not be cash back and getting points and things", "like that with a secured credit card. Your main concern should be using it the correct way and", "graduating it on time. Now Discover themselves say they start to review your secured credit card", "around the 7 month. So I know of people who have graduated at that 7 month term and some", "people who have graduated a little bit after it. My card graduated almost a full year in", "but like I said that was about 8 years ago so things are totally different now. Cards", "are graduating much sooner. So this is a good starter card to have. I recommend it for anyone", "who can get approved for this card and I recommend it for anyone who is just starting out their", "credit card journey. You have to be a good starter card to have. You have to be a good", "starter card to have. You have to learn how to use a credit card. It's a big part of helping your", "credit score. A lot of people they just want to skip steps and just automatically have a good", "credit score but learning how to use a credit card is an important step during that process.", "But anyways if you new here and you're feeling the vibe over here be sure to hit the subscribe", "button. Turn on all notifications that way you don't miss a future video. Also this goes to", "everyone watching this hit the like button. The like button is what gets this video circulating", "and the algorithm respects the like button. This is Wardius Soyo. I have tons of videos.", "I have other videos on the Discover It Secure Credit Card as I stated earlier in this video.", "I have a section called Credit Cards for Beginners. You want to check out that section because", "it teaches you everything from utilization to when you should pay, how to pay, how to", "use your card, all of that. So be sure to check out those sections on my homepage. Those", "are playlists. But I appreciate you all for watching. This is Wardius Soyo. I'll see you" ]

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[ "You guys have been asking me to review this credit card for a while now,", "so I'll be doing just that today.", "So to begin with, this card has no annual fee, so it's 100% free to own.", "At the time of recording this video, this card is offering 3%", "unlimited cash back when you check out with PayPal.", "This includes shopping online, at a store,", "or anywhere PayPal is accepted as a form of payment.", "Additionally, you can earn 3% cash back when you send money to", "other PayPal users through your PayPal account.", "So if you're in the PayPal ecosystem, then this credit card is almost a no-brainer.", "Plus, you'll earn 2% cash back on all other purchases where MasterCard is accepted.", "And considering the large number of merchants and places that accept PayPal,", "as well as MasterCard, this credit card gives you the ability to easily earn that 3%", "cash back on all of your purchases,", "making this 2% flat rate cash back credit card.", "This is a great way to make sure that your credit card stands out when compared to other 2%", "cash back cards on the market.", "Now, in order to apply for this credit card and redeem your cash back,", "you're going to need to have a PayPal account, which is free to open.", "You can open your account through PayPal.com or using my link down in the description", "if you want to earn $10 after you spend $5.", "Moving on, the cash back you earn with this card may be redeemed in any amount you like", "because there's no minimum redemption requirement.", "Plus, there's no cap on how much you can earn.", "The amount of money you're going to spend is calculated and earned daily,", "giving you the freedom to do whatever you want with it.", "Now to redeem your cash back rewards,", "you'll need to transfer them to your PayPal account.", "If you have a PayPal balance account,", "you'll be able to use your rewards to make payments,", "make purchases,", "send money to other PayPal users,", "or transfer the cash back to your bank account or the debit card that's linked to your PayPal account.", "And if you don't have a PayPal balance account,", "then your cash back can only be transferred to your bank account or a debit card linked to your PayPal account.", "account. In addition to cash back, this credit card is currently offering a $100 welcome bonus", "after you spend $500 within 90 days of opening your account now through August 31st. So if you're", "interested in signing up for this card or if you have any big expenses coming up, you could easily", "earn $100 if you make those purchases with this card. Now since this card is on the MasterCard", "network, it comes with MasterCard benefits including ID theft protection, zero liability", "protection, global services, airport concierge services, and much more. Because you can get", "purchase protection when you shop with PayPal through PayPal's purchase protection program.", "The program states that when you buy something from a seller who accepts PayPal, you may be", "eligible for a refund on the full purchase price of the item plus shipping costs if it applies.", "Another thing I wanted to add is that you can add up to six authorized users to your PayPal", "cashback MasterCard. Each person you add to your card will get", "their own card, be able to build credit, plus earn 2% cash back on other purchases as well.", "Now fees wise, like I mentioned earlier, this card has no annual fee, but it does have a 3% foreign", "transaction fee. So this might not be the best credit card to travel with, but hey, we can't have", "it all, right? It also has a very high APR ranging from 16.49% to 28.49%, which is very dangerous for", "those who carry or plan to carry big balances. Lastly, there are two ways you can maximize your", "earnings. First, you can use the MasterCard to get a free credit card. You can use the MasterCard", "to get a free credit card. You can use the MasterCard to get a free credit card. You can use", "be an issue with over 1 million merchants accepting PayPal as a payment method like Target, Apple,", "Nike, Best Buy, Walmart, Hotels.com, Home Depot, and many, many other places. And two is by simply", "making it your 2% flat rate credit card. So wherever you see this PayPal button or PayPal QR", "code, you can pay with PayPal and earn 3% cash back on all your purchases. So make sure you do", "make sure to keep an eye out while shopping if you want to maximize your rewards with this credit", "card. Finally, you can apply for this card through PayPal.com. If you don't have a PayPal account,", "you'll need to create one first. Once you do that, you'll then be asked to confirm your name,", "address, phone number, date of birth, annual income, and the last four digits of your social", "security number in order to apply for the card. Once you're approved, your PayPal Cashback MasterCard", "account will automatically be linked to your PayPal account and you'll see it as a payment", "option when you check out with PayPal. You can also use the MasterCard to get a free credit card.", "annual fee and for those who frequently use PayPal as a payment method because you can earn an", "unlimited 3% across all purchases, which could result in huge returns. On the other hand, if", "you're looking for a credit card with no foreign transaction fees, a higher signup bonus, intro", "offers on balance transfers or purchases, other redemption options such as travel partners,", "and if you don't use or care to use PayPal,", "as your payment method on all purchases, then this credit card may not be the best fit for you.", "The good news is that there's a bunch of alternatives to this card, like the Citi", "Double Cash Card for instance, which offers a $200 signup bonus, 2% cashback on all purchases,", "zero intro APR and balance transfers for 18 months, plus no annual fees. Or the SoFi Credit", "Card, my personal favorite, which offers up to a $325 signup bonus, 3% cashback for a year with", "qualifying direct deposit, 2% cashback on limited credit card, and $325 cashback for a year with", "watching this video next. Anyways, I want to know how you guys feel about the PayPal Cashback Master", "Card, so please comment down below and let me know. Also, if you guys are interested in other", "credit card offers with great signup bonuses, or if you want to earn some extra cash back when you", "shop online with Rakuten, make sure to check out my links down in the description. It's actually", "the best way to help support my channel. Having said that, that's going to be the end of this video.", "I hope you guys enjoyed it. If you did, please like the video, subscribe, and turn on those", "post notifications so you don't miss out on any future uploads. I'll catch you guys on the next one." ]

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[ "दिल तो गाइज आपको MP3गे वेबसाइट पर जाना है और यहां पर आपको यूपी�še कंप्लीट वेबसाइट क्लिक करना है क्लिक करने के", "devこんにちは करें पर आपके आपको प्लैंटिंग वक्संट पर क्लिक करना है क्लिक करने के बाद यहां पर आपको नेट्रस", "पर सब्सक्राइब करना है उग्र यह शुरू करना है सघैशा मांटेडेंटर करना है और", "आपका मोबाइल नंबर और आपने जो पहना उसका मोर है कि हंत्री नंबर करना सिंपल आपको सबमिट करना है", "कुछी दिन के अंदर आपके पैसे जो है वापिस मिल जाएंगे" ]

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[ "the interest for the duration of the withdrawal period. So keeping your payments much lower at", "first than other loans you might pay. Right now I have a $225,000 home equity line of credit balance", "off of a $250,000 availability. So I've used all but 10% and my current payment on that is roughly", "$1,000 even with interest rates being much higher now than they were nine months ago. So $225,000", "with a $1,000 payment is not bad compared to other loans that I could be paying against. So", "that really means that you could have access to cheap money for up to 10 years or however long", "your draw period ends up being. Now keep in mind while the length of time your HELOC is drawn will", "never change, HELOCs are subject to fluctuating interest rates. Very important to understand that", "they are adjustable rates within home equity lines of credit. So your rate will go up or down", "depending on what's happening with interest rate trends and the overall economy. Meaning you need", "to have plenty of breathing room inside your budget in order to be able to pay for the loan.", "To account and handle the monthly payments that might be going up," ]

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

[ "credit that attaches to the equity that you have in your house such that you can", "tap into it when you need it and you don't use it or pay interest whenever", "you don't need it. It's different than like a home equity loan or a second lien", "on your house that's permanent and one time to where you get the money out then", "you pay extra per month. A line of credit through your home equity is whenever you", "use it you pay for it and this can be used for home renovations, it can be used", "for investing in real estate, it can be used for anything that you desire it to", "be except you've got to be cautious and you've got to be aware that you have to", "pay it back and it is tied to your house so be very careful with the money. But a", "lot of people use home equity lines of credit to get started with flips or", "investing in a real estate." ]

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[ "working class people's financial situations when it's pretty obviously just a response to that", "by election win and a strategy and tactic to gain more points in the next general election.", "Okay let me take one more point. Yes, the man in the white shirt then." ]

[ 1, 1, 1 ]

[ "Military Mortgage Minute. This week's topic, be careful with online calculators.", "It's very popular to start your real estate search online. Many times they", "make it very convenient by providing an online mortgage calculator to give you", "your estimated monthly payment. But be careful, many times those calculators do", "not include taxes and insurance. It's only showing you principal and interest.", "So when you're out looking at potential houses on the internet and doing the", "various searches and you take advantage of one of the mortgage calculators,", "please don't forget that typically does not include your escrow. Your mortgage", "payment is principal, interest, taxes, and insurance. If you have any additional", "questions or comments, please fill it out below and I'll be glad to help you.", "Thank you.", "Thank you very much and you have an awesome day." ]

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[ "This amid warnings that loan scammers are out there pretending to help you.", "ABC's Alexis Christophorus is here with the details. Good morning, Alexis.", "Good morning, Janae. Nearly a million federal student loan borrowers are in for a pleasant", "surprise. While the Supreme Court shot down President Biden's efforts at widespread debt", "forgiveness, these borrowers are about to get an email from the government notifying them that", "their student debts will soon be automatically erased. This morning, the Department of Education", "wiping out $39 billion in student debt for 800,000 federal loan borrowers. The government", "fixing mistakes loan servicers made when collecting payments under income-driven repayment programs", "in which borrowers' monthly payments are linked to their earnings and family size.", "The education secretary saying in a statement, by fixing past administrative failures,", "we are ensuring everyone gets the forgiveness.", "they deserve. From now through the end of the year, the Department of Education will contact", "borrowers to let them know their outstanding debt has been erased. The move coming just weeks after", "the Supreme Court struck down President Biden's broader plan to forgive student loan debt for", "more than 40 million borrowers. But all the confusion around loan repayments prompting", "the Better Business Bureau, the FCC, and the Federal Trade Commission to issue an urgent", "warning to borrowers about a likely rise in student loan scams.", "People,", "are losing a lot of money because they're paying money to a fraudulent company that", "they think they're getting their loans forgiven. Authorities say beware of unsolicited emails,", "phone calls, text messages, or social media messages prompting debt relief or loan forgiveness.", "Attorneys general across several states teaming up with the FCC's robo-response team to warn", "consumers about the increased risk of scams. They call up and they tell you that if you don't give", "them money right now, you'll lose a lot of money. They're not going to pay you back. They're going", "to lose the opportunity to discharge your student loans. That's a lie. Authorities also say don't", "provide your social security number, birth date, bank details, or federal student loan ID number", "to unverified companies and never pay for help with your student loans. The government will not", "ask you for a debit card because a lot of government programs are in fact free,", "so they're not going to ask you to pay up front but scammers will.", "And of course, if something seems suspicious, call or email your loan service provider or bank", "directly and ask if you have any questions. It's a great way to keep track of what's going on.", "Janae? Good information, Alexis. Thank you." ]

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[ "میں بہت پریشان تھا", "پھر میں نے یوٹیوب پہ بہت سی ریسرچ کرنے کے بعد", "مجھے ایڈوکیٹ عظیم سر کا یوٹیوب چینل ملا", "میں نے ان کا بہت سارا اچھا فیڈبیک دیکھا", "اور وہاں سے دیکھنے کے بعد میں نے انسٹرگرام پہ عظیم سر کو کانٹیکٹ کیا", "پھر ان کا کنسلٹنٹ لیا", "اور ان کے بعد عظیم سر نے بولا", "کہ آپ ٹینسر نہ لو آپ کا ایک آنٹ آرام سے ان فریز ہو جائے گا", "اور میں دل سے تھانکیو بولنا چاہتا ہوں", "کہ آج عظیم سر کے کارن میرا گجرات سائبر سیلز سے میرا ایک آنٹ ان فریز ہو گیا", "اور تھانکیو سو مچ عظیم سر", "آپ بہت سپورٹ کیے مجھے ایک آنٹ ان فریز کرانے میں", "تھانکیو سو مچ" ]

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[ "to know your customer ID that I'm going to explain in today's video. So if you are new", "to the channel, subscribe to the channel for more videos like this and without wasting any time,", "let's start the video. Now to check your HDFC customer ID, all you have to do is you have to", "open Google over here. And once you open Google, you have to type or you have to search for HDFC", "net banking login. So as I've already done, as you can see, and you have to select this particular", "option over here, net banking HDFC. Once you select this on the next page, you have to click", "on this red tab, which says continue to new login page for net banking. So you have to select that", "option. And then we are on the net banking login page, as you can see. So now you can see it is", "asking for customer ID or user ID, but we don't know. Then all you have to do is you have to click", "on forgot customer ID at the bottom. Now we are on the next page. And here you have to enter", "some details. So you have to enter some details. So you have to enter some details. So you have", "to enter some details. Like you have to enter your registered number, which the number which", "you have linked to the bank account, you have to enter that mobile number. Then you have to then", "you have to select your date of birth, you have to enter your pan card details. And then you have to", "enter this particular keyword over here. And then you can click on continue to go on next page. So", "let's just enter this all all these details very quickly. And I will show you the other steps.", "So guys, I have entered all the details. As you can see, I've entered the registered mobile number,", "I've selected the", "birthdate, pan card number also entered and I've entered the selected text over here. All you have", "to do is you have to click on continue now. On the next page, you will receive an OTP as you can see", "one time password. So we have to wait for OTP. And once the OTP is received, you have to enter the", "OTP and you have to click on continue. So I have entered the OTP. And now let's click on continue.", "Now after selecting continue option, we are on the next page. And on next page, you can check out,", "you will get your", "customer ID number. So it is written your customer ID is so and so. So these are the simple steps guys,", "which you have to follow if you want to check out your customer ID in case if you don't remember it.", "So that's it for today's video guys. If you like this video, hit that like button, share it with", "your friends and don't forget to subscribe to my channel for more videos like this. So I'll see you", "all in the next one. Thank you" ]

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[ "One day you go to use your account to buy groceries and poof, all your money's gone.", "That can be the result of hackers, identity thieves, or even family members who have taken your card or your information and spent all your money without you knowing about it.", "The good news is, you do have rights. There's a federal law called the Electronic Funds Transfers Act.", "And it says that if you have unauthorized transactions on your statement and you dispute those transactions with the bank in a timely manner, they've got to give you your money back.", "They have 14 days to fix the problem from the time you notify them of the dispute.", "They're allowed to take longer than that, up to 45 days, but if they do that, they've got to provisionally return the money.", "They have to re-credit your account, which means they've got to put the money back in there, at least temporarily, while they investigate your dispute.", "If they wrongfully conclude that your dispute is bogus and refuse to give you your money back, you can take them to court.", "And if you win, they've got to pay all the money you lost, plus the extra charges.", "Things like finance charges and reconnection fees if you've got your power disconnected or something like that.", "And they have to pay your lawyers fees.", "I've had a few cases where a bank has taken your money and they're not paying you back.", "I've handled several cases against Direct Express because they handle the debit card accounts for people that receive Social Security benefits.", "And a lot of the time, if you're on Social Security, you really need that money because most people on Social Security don't have much extra income.", "So, if you or someone you know has been the victim of debit card fraud on your Direct Express account, give us a call.", "We're going to charge you anything up front. We'll evaluate your case for free.", "And we'll do what we have to do to get you full compensation." ]

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[ "but as you can see here they're paying me 0.00 with an estimated payout of nothing.", "So basically they're locking up my money for nothing.", "But is this what they advertised?", "What does Chase advertise?", "Let's see.", "Let's see your interest rates for one month.", "Is it 0.0%?", "No, you advertise 0.02%", "and this is the fine print that you see when you start your Chase CD.", "So they're definitely pulling the old switcheroo.", "Shame on you Chase, shame on you." ]

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[ "This guy doesn't know this millionaire secret.", "Hey, do you ever want a house or a nice car?", "Well, yeah.", "Well, then you're gonna want good credit.", "Using a credit card could be one of the easiest ways to build credit.", "But aren't credit cards really bad?", "Not if you pay them off in full.", "And here's a bonus.", "Most millionaires use leverage to their advantage.", "Credit cards are just one form of leverage, and there are many better methods out there.", "But that's for another video." ]

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[ "यार तेरी तो मौझ हो गई, वो कैसे? RBI की गाइडलाइन्स के अकोडिंग अगर कोई भी UPI ट्रांजेक्शन फेल हो जाती है और 24 गंटे के अंदर वो ट्रांजेक्शन आपके रिवर्स नहीं होती है, तो हर दिन के आप 100 रुपे ऐसे फाइन बैंक से ले सकते हैं और साथ मे", "आपकी जो मेन अमाउंट है वो तो मिली जाएगी, अरे वाह फिर तो मेरी मौझ हो गई, बाकि तुझे इस अब कुछ कैसे पता होता है? क्योंकि मैं फोलो करता हूँ हेलो मॉम टेवी को" ]

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[ "क्या सिर्फ headline पढ़के आई हो क्या मतलब मतलब ये कि 2000 रुपए से ज़ादा के ट्रांजेक्शन पर चार्जेस कस्टमर्स को नहीं मर्चेंट्स को देने हैं", "अरे रुको रुको बाई आप कैशी पेमेंट कर दो मैं कोई चार्जेस नहीं देने वाला", "जैसे की फ्यूल स्टेशन्स के लिए सबसे कम 0.5% और कंविनियन्स स्टोर के लिए सबसे ज़ादा 1.1%" ]

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[ "home equity lines of credit, right? So what happens is during 2008, 2009, when the housing", "market crashed, home equity lines of credit got frozen, right? A lot of banks froze the lines of", "credit because let's face it, I mean, they just they can't keep offering them when the market's", "in a tailspin, right? And so the challenge in relying on that as your only strategy is when", "the market does take a spin and start to go down, you are not necessarily guaranteed to be able to", "access that capital for opportunity." ]

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[ "बट किसी को UPI से बहुत प्रॉब्लम है?", "Banks को", "Why do banks hate UPI so much?", "Well, the answer is 0 MDR", "MDR एक ऐसी चीज़ है जिसे banks and payment facilitators", "जैसे Visa and MasterCard", "Merchants से चार्ज करते हैं जब भी कोई debit card या credit card से payment होती है", "No MDR on UPI payments यानि no income for banks", "After the launch of credit cards on UPI", "ऐसा समझो कि banks को तो मानो नफरती हो गई ये UPI से", "क्योंकि credit cards के तुरू UPI payments पर", "iMDR चार्ज होता है as compared to debit cards", "तो credit cards के तुरू UPI payments पर", "MDR 2000 रूपीस से उपर की payments पर ही चार्ज होगा", "और banks को वैसे compensate करना पड़ता है", "आपकी credit cards से earned reward points पर", "क्योंकि हर 50 से 200 रूपे तक की payments पर reward points देते हैं", "banks को इस पर MDR नहीं मिलेगा", "अब banks खाली ये एक loss face नहीं कर रहे हैं", "अभी तक का सबसे बड़ा loss तो ये है कि", "जो infrastructure required है to serve the UPI users", "banks purposely इने maintain करने पर invest करना छोड़ सकते हैं", "क्योंकि काफी बुरा हो सकता है", "NPCI के dream project UPI के लिए", "RBI को figure out करना होगा कि UPI को economic model बना सकते हैं सभी के लिए", "वरना UPI की growth रुक सकती है", "ऐसी credit card news and updates के लिए subscribe करें card caddy" ]

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[ "This first one, I don't want to say I picked him or her because of the name, but the name", "was pretty good.", "This is from Foo, F-O-O, all capitals, Manchu.", "Foo Manchu.", "Looking for advice on HSA investments.", "Currently, I'm 100% equities because we're treating it like an IRA.", "Now we have a baby on the way and I'll probably end up tapping it each year.", "Should I stick to cash?", "How should I think about my HSA investments?", "So Brian, talk a little bit about, he said something interesting there, turning into", "an IRA.", "I think that's an interesting thing to talk about.", "And then how should you allocate an HSA from an investment standpoint?", "And does it change depending on life cycle and all that kind of stuff?", "Yeah, this is a great question.", "We love HSAs just to catch people up when this goes out as a highlight.", "We love HSAs because they are in that step five of the financial order of operations.", "That's why we love HSAs.", "Step five is tax-free growth.", "We love that HSAs, just like Roth IRAs, HSAs have the opportunity to grow completely tax-free.", "And they're triple tax advantage, meaning that when you fund an HSA, it is tax deductible.", "You get a deduction.", "It grows tax deferred, meaning that while it's invested, that money is growing.", "You're not paying taxes on an annual basis.", "And then if you use it for qualified medical expenses and health care,", "it will be distributed completely tax-free.", "That's why we say it's triple tax advantage.", "Now, Foo Manchu had a question here.", "He said, look, I have been investing.", "I'm part of the 4%, not the 96% that use this as a clearing account where I put it in,", "take the tax deduction, but then immediately reimburse myself.", "Foo Manchu is actually part of the 4% that has invested that money", "so they can take advantage of all three components of the triple tax advantage.", "But life's changing.", "Change it.", "So trying to figure out how does this all work with this investing strategy.", "So I want to back up on something.", "This is kind of a review course here on using good use of HSAs and investing.", "Remember, I want your HSA.", "If you or somebody who knows you're going to use it as a clearing account,", "there's nothing wrong before you start investing to fill up either.", "You have to choose.", "Is it the deductible or is it the out-of-pocket maximum for your family?", "Because realize every health savings account has a requirement.", "It has to be part of a high deductible health insurance plan.", "And those plans, and this is why you have tax savings on your contributions,", "but also the cost of the premiums is because more of the responsibilities", "actually go fall on your shoulders for your health care.", "So it really turns health insurance into a discount program more than it is a reimbursement program.", "Because I've been on a health savings account for years.", "I was in the health insurance business.", "And I don't think in the last three to four years, and we have a lot of health care expenses,", "I don't think I've gotten that much reimbursement whatsoever", "because you're usually just trying to fill up the deductibles.", "You're trying to fill up the out-of-pockets.", "So a lot of it's going to fall on you.", "So especially if you're having a baby or things like Fu Manchu talked about,", "you know more is going to fall on you.", "And if you can't afford to just collect those receipts and then reimburse yourself sometime in the future,", "after you've had years of compounding growth,", "then I would definitely lean into you making that decision on deductibles or out-of-pockets", "and then invest above and beyond that.", "Because remember, you are contributing every year to this plan.", "And hopefully you don't have such high medical expenses that it's wiping out that $7,100", "or whatever the family maximum is for you whenever tax year you watch this video.", "So it is replenishing.", "But you at least need to have enough money to cover that first year's deductible or out-of-pocket,", "whatever your comfort level is.", "And I don't think, you know, because Fu Manchu, you mentioned that you've got a baby on the way.", "I don't think it's crazy to think about altering your HSA strategy depending on your stage of life.", "Perhaps you were a young person who didn't have any medical expenses.", "And so you're just dumping in those HSA dollars.", "Yeah, get those invested.", "Have an equity side portfolio.", "Have those dollars growing.", "But then as you start thinking about, okay, well, I'm going to have,", "a family and babies and sniffles and bumps and boo-boos and all that kind of stuff.", "Okay, maybe I want to shift my allocation.", "Or maybe I do want to have a little more cash in there to cover, exactly like you said,", "the deductible out-of-pocket max.", "It's okay to change.", "That's one of the beautiful things about finances.", "It's sort of a, it's a journey.", "It's a path that changes based on what's going on in our lives.", "Fu Manchu, great question.", "Great name.", "And congratulations on the new baby.", "That's super awesome.", "Ditto." ]

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[ "This is a very important topic that often comes up in my conversations with", "my clients. A lot of us have safe deposit boxes and a lot of these are held in", "joint ownership that is together with someone, usually a spouse or a child. So", "we assume that if we pass away the joint owner can access that safe deposit box.", "Unfortunately banks will seal the safe deposit box as soon as they hear that", "that individual has passed away. It doesn't matter whether or not there is a", "joint owner on the box. Let me walk you through an example. Let's say a husband", "and wife own a box jointly and they access the box routinely there's no", "issue. Let's say the husband passes away and the wife attempts to access the safe", "deposit box. She's still a joint owner. However, when she comes to the bank, if", "the bank has knowledge that the husband passed away, they will not permit her to", "open that safe deposit box even though her name is on the box. So when the bank", "is aware that an individual whose name is on the box has passed away, no joint", "owner is permitted to access the box. And the reason for that is that sometimes we", "have property there in a joint box that's not ours. For example, that property", "could have been solely belonging to the husband and there's no way now for the", "husband to claim it or to, you know, have some sort of recourse against the wife", "who accessed the safe deposit box because he passed away. So they have to", "seal it.", "And what can the wife do now to gain access to the safety deposit box? She has", "to get a court order decreeing that the box is unsealed. These court orders", "do not take a long time to issue, but to avoid this type of headache, this is", "one of the reasons we do not advise an original will ever be kept in a safety", "deposit box. Because in New York, it is very strict that the original will has", "to be presented to the court and that the court will not be able to approve it.", "And it shouldn't be unstapled. It shouldn't have any writings on the margins. So an original", "will, we typically advise that you keep with your drafts person attorney or honestly in", "a freezer at home because if you don't have a fireproof vault, they will most likely", "survive in the event of an ordinary fire. We do not recommend keeping certain things", "like a will in a safe deposit box for that reason. Hope you found this video informative.", "And if you have any questions, please feel free to email me at msdraven.com. And I'll", "at Garba. Thank you so much for watching.", "Thank you." ]

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[ "Beating out prominent hedge funds like Renaissance, BlackRock, and Bridgewater by returning an", "unbelievable 191.5% over the last three years, Peconic Partners, led by William Harnish,", "is the highest returning fund since 2020.", "2020." ]

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[ "और बोलो कितना हो गया गूगल पे कर रहा हूँ", "50 रुपिया हो गया अब 20 के कुरकरे हैं", "तो 20 ही हुआ होगा ना तो ठीक है एक गुस्सा क्यों हो रहे हो", "अरे यार नेट को क्या हो गया", "अगर आपका नेट भी ऐसी सिचुएशन में बंद हो जाता है", "तो टेंशन न लेना", "सिंपली इस ओफलाई UPI के नमबर में कॉल करना", "जैसे पैसे भेजने है उसका नमबर डालो", "अमाउंड डालो", "बस फिर जो OTP आएगा उसे एंटर करो", "और अपना UPI पेंट डाल दो और आपका काम हो गया", "पर हाँ इससे पहले आपको एक one time setup करना पड़ेगा", "30-40 second लगेंगे बस", "लो भईया आ गए आपके 20 रुपए", "अब कहां से आ गए", "टेकीला ने मदद किया है आप भी फॉलो कर लो", "कुछ काम का तो सीख लोगे" ]

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[ "Discover It Secured Credit Card.", "But before I do that, 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 for whatever reason, I've never done a dedicated video to the Discover It Secured", "Card, even though I've done a lot of videos where I talk very favorably about it.", "I think it is probably the best secured credit card on the market.", "So today, we are going to take a dedicated look at what it offers.", "So the whole point of the Discover It Secured Credit Card is to help people either build", "or rebuild credit if, for whatever reason, they are having trouble getting now.", "So if you've never had credit before, it's possible that you are having trouble getting", "your first credit card.", "If you've had credit cards before and you didn't do so well with them, you may be in", "a position where your credit is not very good and you need to rebuild it and kind of start", "over again, and this is a card that can help you do that.", "The keyword here is secured.", "The Discover It Secured Credit Card requires you to put down", "a security deposit in order to get the card.", "So that is how it is unlike other unsecured credit cards that don't require a deposit.", "So you put down a deposit anywhere from $200 all the way up to $2,500, and you are going", "to get a credit line that is equal to that amount you have put down.", "Now, make no mistake here, that money that you put down does not go toward paying off", "any charges that you put on the card.", "It is more like an apartment security deposit.", "You are putting down collateral on a loan.", "It is something that you are giving in to show that you have skin in the game here,", "and then you are going to use the credit card just like any other.", "So say you put $500 down, you're going to get a credit card, the Discover It Secured", "Card, that has a $500 credit limit.", "You can use that card just like any other credit card up to the limit.", "Each month you're going to get a bill, and then you are going to pay it off with other", "money, not the money that you put down as that security deposit.", "So that's how it works.", "Now, to be clear.", "That money that you put down as a security deposit is a deposit, a refundable deposit", "that you will get back when you no longer want or need the card anymore.", "So again, just like how an apartment security deposit works, you're putting down money and", "then you're paying your rent separately, but you can get that security deposit back when", "you move out.", "This is a card that you put down as a security deposit, and you can get that deposit back", "when you move on.", "So why are you doing all this?", "Because you want to raise your credit score.", "You can't get a credit card right now, so you're putting down that deposit in order", "to get a credit card.", "You're going to make your payments on time.", "You're going to do all the right things.", "Discover is going to report your good payments to the major credit reporting bureaus, and", "over time your credit score will go up if you do all those things correctly that I just", "said.", "So that's why you're doing it.", "You're paying to get the card.", "You're putting down a deposit at least to get the card in order to have a card in order", "to build up that credit history and get yourself to a point where you no longer need a secured", "credit card and you can get unsecured credit.", "So that's why you're doing it.", "And the Discover It Secured Credit Card is my favorite credit card for people that are", "thinking of getting a secured credit card in order to build their credit.", "There are three reasons why I like it the most.", "Number one is it has no annual fee.", "Yes, you have to put that security deposit down, but remember that's refundable.", "It will come back to you.", "Otherwise there is no annual fee.", "You don't have to pay a fee that goes away and you never see it again in order to get", "this card.", "Other secured credit cards, many of them do have an annual fee.", "Number two.", "There are two rewards.", "Most secured credit cards do not have credit card rewards.", "The Discover It Secured Credit Card does.", "You'll get 2% cash back on your gas station purchases and your restaurant purchases on", "up to $1,000 in combined purchases in those categories, each calendar quarter.", "Any other purchases that you make are going to give you 1% cash back.", "So not the greatest rewards on the market, but for a secured credit card, one of the", "few cards that are going to give you any rewards.", "And then number three.", "A high chance of graduation.", "That means that in eight months, Discover is going to start looking at your history", "as well as other things on your credit report and trying to decide if they should give you", "that security deposit back and let you continue to hold this card as an unsecured credit card.", "So that is pretty quick.", "When you get a secured credit card, you are hoping to build credit to get to a place to", "get an unsecured credit card.", "Discover is saying after eight months, we're going to start looking actively and trying", "to give you that security deposit back and then keep you as a customer, let you continue", "to use this credit card.", "So that is pretty fast.", "And with all the other things, it's what really makes this Discover card a very strong secured", "credit card.", "And if you do graduate from that secured version of the Discover card to the unsecured version,", "get that security deposit back, that means you now are in with Discover, a major credit", "card company, instead of having a card from, you know, maybe a smaller bank or a no-name", "place that isn't necessarily going to give you a lot of cachet with other banks down", "the road.", "If you have a card from Discover, obviously that means Discover is going to look more", "favorably upon you, maybe if you want other Discover cards, but it probably is going to", "make things a little easier for you when you go after cards from other major banks as well.", "So that's pretty much it.", "If you're having trouble establishing credit or re-establishing credit with any of the", "major banks, you can't find an unsecured credit card that doesn't have a ton of fees.", "Secured credit cards are often the most expensive.", "if you are in that situation.", "So overall, a very good card in many different ways.", "If you have any questions further about it, please put them in the comments section below.", "Otherwise, I thank you for watching.", "And as always, please go to ProudMoney.com where we do credit card reviews, we talk personal", "finance, we talk deals, and all sorts of other fun stuff too.", "Thanks for watching.", "Bye." ]

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[ "which sounds like another bureaucracy to make your life miserable, but actually this is a critical tool.", "And when you see those random $7 fees show up, recurring fees, things like that,", "his agency has an incredible form you can fill out. I'm going to put the link right below the video.", "It's like five minutes to fill out, and the great thing is that the agencies that you're competing against", "are mandated to respond to that. So I know that if you are on your lunch break looking through these fees coming up,", "it sucks to have to deal with that. And we're really grateful to have you fighting with us and on your side.", "So yeah, Rohit, thank you.", "Well, we want everybody, if they're having problems with their mortgage, credit card, auto loan, to come to us,", "consumerfinance.gov. And you know what? You're not just going to help yourself fix the problems, right?", "That's right.", "To actually file lawsuits and to order financial companies to pay back everybody.", "We've been caught a scheme of overcharging military members on their student loans based on those complaints.", "Everybody thinks that it's a problem that's just happened to them, and so things don't get fixed.", "And that's why it's so important that you as an individual make the complaint,", "because you could be solving this problem for tens of thousands of other people also.", "So thank you so much.", "Yeah." ]

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[ "telling them that their vaccination date has been set and seeking personal data.", "This happened to my dad recently and he's going to speak to you about it.", "We live in the same house and so that's why we're in close proximity to each other", "and not wearing masks.", "Over the weekend I got a text asking me to confirm my details from my COVID vaccination.", "I'm 87. I'm really looking forward to getting my vaccination and so took that text more seriously.", "I was in hospital recently so I thought they probably had my number from that.", "But Mary pointed out to me that HSE would never ask for those sort of details", "by BPS number and other more situational data.", "So I didn't respond.", "In fact, I just...", "I just deleted it.", "But not everyone would know that or have their family living with them to advise them", "and they could get caught out.", "Never disclose private information over the phone or via text or by email.", "Do not give out your BPS number to anyone who makes any unsolicited contact with you.", "The HSE will never call you or text you or ask for your BPS number.", "The HSE will never request payment for a COVID test or vaccine.", "If you receive such a call, just hang up.", "If you have mistakenly provided your personal information in response to this scam,", "then contact your local garden station immediately.", "And if you have any questions or concerns relating to COVID testing or the vaccination", "or when you'll be in the vaccination list,", "contact your local garden station." ]

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

[ "My name is Josh.", "Hope you're all having a fantastic day so far.", "In today's video, I'm going to be reviewing what I consider to perhaps be one of the best", "secured cards available, that being the Bank of America Customized Cash Rewards Secured", "Credit Card.", "This card is pretty much just the secured version of their regular cash rewards card,", "which I also made a video for and will link in the description box below.", "The difference with this card, however, is that it is built more for those looking to", "build or rebuild their credit score and therefore will need to put down a small deposit upfront.", "This is something that most other card companies offer as well, but there's one thing that", "Bank of America does just a little bit different which really makes this card stand out.", "So in this video, I'm going to be reviewing this particular card, going over some of the", "features of it, and what you should perhaps look out for.", "But first, before I get into the review for today, if you would like to quickly grab two", "free stocks from Webull, you can definitely feel free to do so.", "So let's jump right into it.", "Again, this is a secured card for those looking to build or rebuild their credit, so you will", "need to put down an upfront deposit.", "The minimum that you're able to put down is $300, with the maximum being $4,900.", "Per Bank of America's Terms of Service, if you provide a deposit that exceeds the calculated", "maximum amount based on your ability to pay, a check will be returned to you for the difference.", "Whatever amount you put down, it's up to you to decide which one to put down.", "The amount you put down as your security deposit will end up being the credit limit", "that you're given.", "And yeah, it does kind of suck having to put down a security deposit upfront, but this", "amount is fully refundable, and you have to remember that it's just a small sacrifice", "you have to make in order to build your credit score.", "Now you might be wondering whether or not there's a spend bonus for this card.", "Unfortunately, there is not, but that is pretty rare among secured credit cards.", "If that's a deal breaker to you, which it really shouldn't be at this point, you could", "always check out Discover It's secured credit card, which I also did a review on and will", "link in the description box below.", "Again though, with these secured credit cards, it's pretty rare that you're given any type", "of spend bonuses or cash back.", "However, even though you won't be receiving a welcome bonus for this card, you do have", "the ability to earn some pretty solid cash back rewards.", "Every single quarter, you'll be given the ability to pick a category to earn 3% cash", "back in.", "These categories include gas, online shopping, dining, and food.", "the most in, and pick that category to be the one you earn the 3% cash back in.", "Then, at grocery stores and wholesale clubs, when using this credit card, you'll be earning", "2% cash back.", "I also have to note that you will only be eligible to earn 3% and 2% cash back on the", "first $2,500 in combined purchases from your third-party credit card.", "purchases from your third-party credit card.", "After reaching the $2,500 spend threshold, and also on all purchases not in those categories,", "you'll be earning just 1% cash back, which really isn't all that bad, all things considered.", "The Discover It Secured card also offers cash back, but again, this isn't meant to be a", "video comparing the two cards, so I won't dive too much into that.", "With this card, there are also no annual fees, which is really great because all the cash", "back rewards are pure profit.", "Also, your cash back rewards never expire, so you don't have to worry about redeeming", "them after a certain period of time or losing all the cash back that you worked so hard", "for.", "As far as redeeming your cash back goes, you will have the ability to redeem them at any", "point in time, either for statement credit, direct deposit to your bank account if you", "bank with Bank of America, or for credit to an eligible account with Merrill.", "As far as the interest rate and fees go, as you'll see up on the screen.", "You will start out with a variable APR of 23.99%, but again, as long as you're paying", "on time, which we should be focused on, we won't have to worry about paying any extra", "interest.", "There are also some other fees that you should definitely look out for, just like with any", "other credit card, such as on balance transfers, cash advances, and late payments, but once", "again, for the most part, we really don't need to worry about these, as long as we're", "paying on time.", "Now, one of the fees that I am just a little bit disappointed with is the fact that the", "The fees are just pointed in, however, are the foreign transaction fees, just because", "if you do happen to travel abroad or make a purchase on some international websites,", "you will be hit with a 3% foreign transaction fee.", "Now in most cases, at least for the first one to two times this happens, they will waive", "the fee, but still, it's definitely an inconvenience, especially with other card companies on the", "market such as Capital One not having any foreign transaction fees.", "Finally, as far as your credit score goes.", "Again, this card is designed for those looking to build or rebuild their credit, so there", "is no minimum score required.", "Bank of America expects that the majority of people applying for this credit card will", "have lower credit scores, so the likelihood of being accepted if you apply are pretty", "good.", "If you apply and are accepted for this card, again, you will need to put down a minimum", "security deposit of $300.", "However, after around one year, as long as you've been paying on time.", "You should see improvements in your credit score and there's a pretty decent chance", "after one year, once again, that you will be able to graduate onto one of their unsecured", "cards, at which point you'll receive your security deposit back.", "Again though, there are no guarantees here, but I have seen that most people who do open", "secured credit cards and make on-time payments for one entire year, they are then able to", "move onto an unsecured credit card, which is also reflected in an increased credit score.", "So with that said.", "Would I personally recommend this particular card?", "The answer to that is yes, I definitely would.", "Considering that it can help most people build or rebuild their credit, all while earning", "pretty good rewards in the form of cash back, up to 3% back in certain categories, and having", "no annual fee, that's pretty good.", "You have to remember, a lot of other secured cards on the market today don't offer any", "rewards or cash back.", "So being able to earn 3% and 2% cash back in many categories is a pretty good thing.", "like Discover It Secured Card the most, just because not only will you be earning cash", "back on all transactions, but you will also receive a cash back match at the end of your", "first year, which works as a spend bonus.", "All in all though, you really can't go wrong with either of these cards, but with everything", "else I definitely recommend that you do your own research.", "So on that note, I am going to go ahead and wrap up this video.", "If you did enjoy the content in today's video and you would like to see more videos like", "it, I would greatly appreciate it if you could hit the like button, share, and also subscribe", "to my YouTube channel if you haven't already.", "And before I go, again, don't forget to grab your two free stocks from Webull valued up", "to $2,300 by opening an account using my link in the description box below and making a", "qualifying deposit.", "So thank you so much again for watching.", "I hope you have a great rest of your day and I'll see you in the next video.", "I'll see you in the next video." ]

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[ "gave you 5% interest", "as opposed to what I get,", "which I think is a $15 fee", "for every time I bounce a check?", "It costs you money now", "to save your money.", "Yes.", "you give it to the bank.", "They loan it out to people", "and they make money on it,", "but it costs you for the privilege", "of letting them loan out your money", "so that they can make money.", "But I learned this episode", "that you used to be able to save your money", "and make money.", "I didn't even know that was an option.", "You would put your money...", "I remember I was...", "This is what I was looking for.", "28 years old.", "Here we go.", "Bananas cost...", "They would pay you to eat bananas.", "I remember I was working stand-up", "and it started getting...", "I remember I was working stand-up", "In the college gigs.", "So if you work stand-up in the city,", "you probably know this now,", "if you work during the week,", "you'd get $10,", "a little bit of hummus,", "a little bit of cab fare,", "a little bit of hummus.", "And if you worked the weekend,", "you'd get $40.", "Sometimes they would bump it up to $50,", "depending.", "So you can imagine...", "You know, you'd work those gigs downtown", "and then you'd...", "And then you'd...", "and you'd blow it all on food.", "That's not food.", "But yeah, go ahead.", "But if you went...", "And by food, I mean cocaine!", "That's right.", "That's what it is.", "We used to eat...", "There was a wonderful French cocaine place.", "Yeah.", "If you worked a college, though,", "one gig,", "you could get $500,", "$750,", "maybe $1,000.", "College.", "And all you had to do was go to, like,", "Arath's...", "Skeller", "at Roger Williams College.", "Right?", "Sure.", "So you do...", "There was a convention you did", "called a NACA, I think.", "You perform...", "Wait for the Southern colleges to walk out.", "Yeah.", "And then try and pick up", "some of Carrot Top's overflow.", "Yeah.", "Yeah, yeah.", "So the first few colleges I did,", "I, like,", "got, for the first time,", "money to save.", "And so I went and I bought", "in a bank.", "I got a savings account.", "And I bought a CD.", "I've heard about these.", "That's some confidence.", "You weren't going to touch the money for a while.", "It was a playable CD.", "It wasn't...", "Oh, okay.", "It wasn't...", "Got it.", "But it was, like,", "like you say,", "the whole idea of it was,", "if I wait six months,", "I'm not going to have $1,000.", "I'm going to have $1,080.", "Yeah, but, like, that's not possible anymore.", "Which I didn't know.", "Your money's just sitting in a savings account.", "And while other people use...", "your money to make money,", "because I'm not", "responsible with my own money, I guess,", "to not have it in a savings account.", "Like, I thought savings account, that was my bar.", "All you got to do is save money and now...", "It's completely impossible.", "The reason that your savings account", "interest rate is so low is because", "they're literally trying to incentivize you", "to invest", "Yes.", "by taking away the incentive to save.", "It's like zero interest.", "There's no other option", "in this world", "than stocks.", "Yep.", "looks like a blood out.", "Alcohol's left.", "It's like point...", "But it's not going to jail", "because it's not that high.", "Yeah.", "There we go.", "So when you go into your bank, do they say,", "blow into this?", "Right.", "All right.", "Whatever registered,", "that's what they give you.", "The most important the red card.", "You can have again.", "So what are you doing?", "Just кажется pr Suarez." ]

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[ "So what is it about GST that's brought you out on this cold morning?", "I just think that the common man and islander has already been taxed too much.", "The spending is out of control. They really just need to review their amount of staff", "and Peter Fairbrush really needs to listen to the public and resign.", "Yeah, I don't think the people of Guernsey want GST at all.", "You can see here today how many people have made it on a work day.", "People of Guernsey don't want it and they're not listening.", "I think now hopefully with more and more people we can actually make a difference", "and with an island as good as this one we should all be able to stick together and get our point across.", "They got voted in, we pay them, they don't pay us and they're there to do a job and look after us." ]

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[ "filed a complaint with the Florida Elections Commission about Democrat Jacksonville Sheriff", "candidate Lakeisha Burton. Burton allegedly broke campaign finance laws. In the complaint,", "O'Hara says Burton accepted duplicate donations of $1,000 from contributors. The law is you can", "only donate up to $1,000 per election, per person, and per entity. The Burton campaign sent this", "email to supporters after their normal 2023 election switched to a special election this year", "due to Sheriff Mike Williams' retirement. The email said, quote,", "The second allegation is the Burton campaign used money from a political action committee called", "Make Every Voice Count, a group Burton is involved with, to pay for this video, which O'Hara says", "is directly advocating for the election.", "The advertisement says, vote for Lakeisha Burton, sponsored by Make Every Voice Count and approved", "by Lakeisha Burton. Be sure you're following Florida's Voice for details on this developing", "story." ]

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[ "अच्छा अच्छा, एक सेंड ना मैं चेक कर लेता हूँ", "ठीक है भाई कर देंगे, ख्लोज दे दो", "सर अब क्या बैंक अकाउंट ख्लोज करने की भी चार्जेस लगे हैं क्या?", "नहीं सर आपका अकाउंट 3000 नेगेटिव में, तो उसको सही तो करना पड़ेगा", "नेगेटिव बैलेंस कैसे कर दिया आपने?", "सर मिनिमम अकाउंट बैलेंस 10,000 होना चाहिए", "अगर उससे कम हुआ तो बैंक तो आपको पेनल्टी लगाएगी", "और पेनल्टी लगाएगी आपका नेगेटिव बैलेंस चल दिया है", "पर सर RBI के अंदिनेंस के अकाउंट होरडर के बैलेंस को", "पेनल्टी लगाएगा कर कभी भी नेगेटिव नहीं कर सकते", "तो बैलेंस जीरो कीज़िए और मेरा अकाउंट क्लोस कीज़िए", "हाँ हाँ सर याद आया क्या ये बहुत पुराना रूल है", "तो मैं क्या जड़ा भूल गया था", "मैं अभी आपका अकाउंट ख्लोस कर देता हूँ", "तो सर यूट्यूब पर विकास गावरी के चैनल को सब्सक्राइब कर लो", "हर चीज याद रहे जी" ]

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[ "My name is John Jacoby from San Antonio, Texas and I'm standing next to my Mint 1967 Pontiac Firebird 400. So it's a beautiful classic car and the reason I'm making this video today is I just bought this thing and getting it financed was one of the biggest challenges whenever I was purchasing a car.", "So what's crazy is that whenever you purchase a classic car, and you may already know this, the beautiful thing is these things are going to be in your car.", "These things actually go up in value. So getting it insured through Hagerty's was not an issue, but whenever it came time to get the loan, man I had to jump through some hoops.", "So I went to my credit union first off. So they had given me an offer for a vehicle loan. So I went over to my bank, went through the whole application process. They said, John, you're approved for this car.", "And it turns out whenever I go to close on the loan, they said, well, I'm sorry, but we don't finance cars.", "Not any longer than $40,000. Jeff forty.", "I thought that was pretty much the answer you asked to have this in the video, but the answer is that it was a chance.", "You just got out of the", "first round of investors having somebody over on the board who was email it, too.", "And I still thought um what was awesome don't try to close this behind closed doors,", "Uh,", "is because if you are looking to get a classic car finance you're going to run into some issues so", "I wanted to just put this out there as a review about the company Lightstream.", "Of course they don't pay me you know I'm not sponsored I don't work for Lightstream", "but I can tell you that they were able to give me a really great rate a little over six percent", "and the beautiful thing about going through Lightstream to get my loan was this that it is", "completely non-collateralized so for any reason if payments aren't made or whatever", "they don't take back the car so that's a beautiful thing and definitely if you are in the market or", "you're looking to get finance for a classic car", "would appreciate it.", "If you use my referral link below for this company Lightstream of course they give a little gift card", "and then of course then they give y'all a bonus as well so take a look below in the comments I'm", "going to add in a link for Lightstream so they you know so I've got excellent credit in the 700s", "and for the non-collateralized loan on this which you can't actually go to a bank and get", "I was able to secure pretty decent money.", "Decent rate so for a $40,000 car purchase I think it was $42,000 with everything included", "they actually financed the pretty much the full amount a little over $40,000 and the payments", "monthly on that is about $600 a month so completely reasonable better than what I was paying before", "for my newer car another newer car that of course and so anyways I wanted to make the video a little bit more interesting.", "you got to make sure that you got the money lined up so I would highly encourage you to check into", "Lightstream use my link below and and I guarantee you they'll have you out the door in a matter of", "minutes so again John Jacoby here out of San Antonio Texas a fellow car enthusiast 1967 Pontiac Firebird", "this thing runs like a charm and if you're on the fence or if you're thinking about getting yourself a classic car", "I can't you know I can't say enough good things about Lightstream and then and and of course you know", "have fun out there enjoy your rides and if there's any other questions you have about getting financed", "of course I didn't look through a whole bunch of companies that company just made it so easy and", "they gave me a pretty fair terms and yeah I'll get back to you in a couple of weeks with my next video.", "So I think it's completely reasonable.", "Check them out.", "Use my link below to qualify for your classic or antique vehicle through Lightstream.", "They'll do a great job for you." ]

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