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CNdHma2zwQg | In that scam, like many others, scammers will ask you to put the money on a Green Dot or prepaid Visa card. News 5's Ashley Knight looks into how the card works and why scammers love using them. It's tonight's Scam Buster Report. You can buy it at any Walmart, supermarket or corner drugstore. But a prepaid Green Dot card has quickly become a scammer's tool of choice. The prepaid Green Dot card, you can use it anywhere, even to pay your bills. People use them in place of credit cards, like if they don't have good enough credit or they don't want to go through the hassle of actually getting a credit card. But it can also be a con artist's best friend. Because they're so widely accepted, because they're so widely available. And totally untraceable. Lori Miles works with the Sheriff's Office and sees them used all the time in scams, most recently with their work release program. Somebody had called their office and said that they had been told to go and get a Visa Green Card so that they could get their loved one out of jail. The cards are not connected to a bank account. You buy one and you put between $10 and $500 on it. Then you scratch off a section of the back that reveals a set of numbers. It's those numbers the scammer needs. And they're trying to get you to pay them in order to access the money on the card. The minute you've given them the last number, that card's drained. Remember, no power company, no debt collector, or anyone from the government will ever demand that you pay them over the phone with a Green Dot card. If anybody ever calls you and says, you know, you have to pay this bill or you have to pay this fee and it has to be done by Green Dot, then it's a scam. And there's nothing wrong with getting a Green Dot card. The problem's not with the card. The problem is sharing that number on the back of the card with the person who's in charge of the card. I'm Ashley Knight and this scam has been busted. | [
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aHve_C0ZweJIsGht | मेरे क्लाइंट ने मुझे UPI ID बेजा, मैंने उस पे अमाउंट ट्रांसवर कर दिया, उनसे पूछा तो उन्हें अमाउंट ही रिसीव नहीं हुआ, बाद में पता चला मुझे सुनील.joshi.at.ybl पे पैसे डालने थे और मैंने सुनील.joshi.at.ybl पे डाल दिये। फिर उन्होंने वो मेल सामने वाली बैंक को भेजा, फिर सेंटरल बैंक ने ये रिप्लाई करके बता है कि ट्रांजेक्शन हुआ है और उस परसन ने वो पैसे अब तक निकाले नहीं है। और फिर उन्होंने उस amount को hold पे डाल दिया, फिर मेरे relationship manager ने मुझे एक e-mandate form भराया और सामने वाली बैंक को भेजा और फिर सेंटरल बैंक ने उस person से consent लिया और finally within 24 hours में मेरे पैसे मेरे account में आ गया। | [
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6Ow7gxZwzzY | So if you watch a lot of my videos then you probably know that I am a huge fan of the whole fintech and online banking movement. And honestly that's because not only do I really like what a lot of these fintech companies are offering, but I also just really dislike the large national banks and love seeing the little guy win for once. But there's still a small handful of established national banks that are doing a decent job of adapting to the modern world of banking, one of which being Marcus by Goldman Sachs. So today let's break down everything that they have to offer on the banking side of things and see if they are truly keeping up with all of these awesome fintech companies like SoFi, Ally, and Chime just to name a few, or if they should just be left in the dust and forgotten about like Wells Fargo. Alright let's jump right into it. So in case you didn't know, Goldman Sachs is old, like really old, and it's a very, very, very, very, very, very, very, very, very, very, very, very, very, very, in it, the large rebranding of many of their products under the name Marcus is a fairly new development and I believe it just happened around 2016. So while Goldman Sachs has been around for a while, these are fairly new products, so just keep that in mind. The other thing I want to note right off the bat is that while I personally consider Marcus by Goldman Sachs to be a national bank, or at least I put them in the same category as those national banks, they don't actually have a widespread network of physical brick and mortar locations. So while I don't personally have a problem with that, that is just another thing that you will want to keep in mind. Alright, so Goldman Sachs, and specifically the Marcus brand, offers a number of financial products, including banking options, investment accounts, loans, and a ton of other financial tools and resources. So I'll leave a link to the website in the description below if you do want to check out all of those different financial products that they offer. But in this video, I specifically want to take a look at some of the financial products that they offer. So I'm going to start with the Marcus by Goldman Sachs high yield savings account. So a high yield savings account used to mean like 2% or more at least, but because of the way interest rates have gone recently, that's kind of been crushed into the ground. However, thankfully, many of these companies have slowly started to increase those interest rates again, and currently the high yield savings account from Marcus by Goldman Sachs does offer 0.5%, which isn't great, but in the grand scheme of things and where interest rates are at currently, 0.5% of the interest rates are going to be going to the national bank. So if you compare those numbers to other national banks like Chase, Citi, and of course Wells Fargo, that's like 50 times what they offer since most of them just give you 0.01%, which is basically nothing. Keep in mind that that means if you had a million dollars in this account, you would make a whopping $100 in interest. And there's probably a number of reasons why Goldman Sachs is able to offer such a higher interest rate when compared to those national banks, but the main reason is that they're not going to be able to offer a higher interest rate than the about in previous videos, meaning they can offer that higher interest rate instead of dumping all of that money into expensive overpriced buildings that most of us probably never go to anymore anyways. I also have to give Marcus by Goldman Sachs some bonus points because they have this awesome calculator on their website where you can actually plug in some numbers and look at how much interest you would earn with a Marcus by Goldman Sachs high yield savings account. But the best part is that they totally don't have to maintain those physical brick and mortar locations as we've talked about in previous videos. They can also show you how little interest you would earn if you had the same numbers with those banks. So this high yield savings account has no fees, which is a must in my opinion, and they have no minimum balance requirements or no minimum deposit requirements, which is a really nice plus as well. They also have a same day transfer tool up to $100,000, which I have not personally been able to test myself, but if that is true, then that is pretty awesome if you ask me. So I'm going to give Marcus a high yield savings account and I'll see you in the next video. So I think it provides you with everything that you need for your basic banking needs. And if you compare this app to other mobile apps from other national banks, this is much more modern and is pretty intuitive and easy to use. So within the Marcus by Goldman Sachs app, which currently has 64,000 reviews with an average of 4.9 stars on iOS alone, you're able to track your balances, net worth, connect external bank accounts for banking, as well as investments. See a breakdown of your portfolios if you are using the investment tools with them. As well as a list of all the things you can do to get your money back. So you can track your spending and savings by category and take care of all of those basic banking needs like depositing checks and all of that good stuff. I will also mention that they do currently offer a high yield certificate of deposit, also known as a CD with terms as short as six months going all the way up to six years. And that one has a rate of 0.6% currently. And they also have a no penalty CD, which is one of my personal favorite financial tools. And while CDs are really not that great across the board right now, because of where interest rates are at, it is nice that they offer a high yield certificate of deposit. So if you are interested in buying a CD, you can get it at the dollar store. And I will definitely be keeping an eye on that in the future. Alright, so for the most part, I don't hate it. And I think there's a few things that they're definitely doing right, that allow them to beat out many of those other national banks that I mentioned earlier, especially in terms of interest rates. But if I'm being completely honest, I would still have a hard time understanding why anyone would go with Marcus by Goldman Sachs over one of the many much more advanced and higher end fintech companies like SoFi, Chime, Ally, and even Discover. SoFi is the design of all of those platforms that I just mentioned significantly better in my opinion, but they also have a lot more features. Several of them offer higher interest rates, even higher than 0.5% currently. And if your argument is that you'd like to have all of your financial tools under one umbrella, well, a company like SoFi has banking, investing, loans, credit cards, budgeting, and a ton of other financial tools right from an app on your smartphone. And the other huge difference here is that from what I can tell, and at least in my research, Marcus by Goldman Sachs is a very good company. And so if you're looking for a good company, you might be looking for one like SoFi. Now that said, I have to admit that這樣的 options and fintech companies like fintech options can work and can be two straight heavenly good МУЗЫКА and there is no one that actually does the same thing. And a cushion point here is usually your moins operation loo-we Char 좋은 and says it works, but it only works when toe high-nos does not work. withdraw that money at free ATMs. So here's what I would say about all of this. If you currently have a bank account with one of those large national banks like Wells Fargo, Chase, or one of those, then maybe something like Marcus by Goldman Sachs would be a good stepping stone if you're not completely ready to ditch your national bank and jump to one of these modern fintech companies. But in my opinion, I just don't see the advantage here. I mean, I love the investing tools, especially their automated investing tool, which is always a huge plus in my opinion, but we're not talking about investing today. And as far as banking is concerned, I think that Marcus by Goldman Sachs leaves a lot to be desired. The interest rate is okay, but there's no way to quickly access your money. There's no way to spend your money. The banking features in the app are pretty surface level. And overall, there's countless features that many fintech companies offer that are just non-existent with Marcus by Goldman Sachs. So I like to make these reviews on these larger national banks every now and then, just to remind myself how fantastic companies like SoFi, Chime, and Ally are, and why I believe they are truly the future of banking. And if you're still on the fence about all of this, then definitely check out my video that I made on why you should ditch your national bank. And I'll leave a link to that up here because I think that will definitely convince you. So I would love to know your thoughts on the Marcus by Goldman Sachs high yield savings accounts and how you feel it stacks up against not only national banks, but also against many of the fintech companies that I mentioned in today's video. Personally, I don't think it's that great, but I know that everyone has different needs and different opinions on this sort of thing. So I would love to know your thoughts on all of this down in the comment section below. If you did get value out of this content and you want to help support me, the easiest way to do that is actually checking out some of my favorite financial tools down in the description below, many of which will give you some free money, which we always love. Be sure to hit the like button and subscribe to the channel for more content like this in the future. And of course, thank you so much for taking time out of your busy day to watch my video. I really do appreciate that so much. Take it easy and I'll see you in the next one. Bye. | [
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UC3gEXZJKMM | I'd have to check. Is that some sort of rich person thing to order without knowing the price? I'll have the lobster. Okay, one lobster. No, no, no. We want to know the price first. It's based on the market. What market? Yo, Kenny. Hello? Guy wants to know the price of lobster. Tell him it's market price. Yeah, he's a little slow. What's it at now? Market's been crazy today. It's at $298. No, no. Now $300. $300? One lobster. One lobster? No, no, no. $300? Now it's $305. It just increased. It's the market. Now it's at $306. Okay, okay. I want to lock in that price. Okay, one lobster at $306. Oh, no. Market crashed. We've lost your lobster. What? It's how the market works. So I'm down $306. Could give you an off-the-market lobster, but it's not from the wild. So farm-raised. City-raised. Organic? Genetically modified. Mmm, sounds tasty. No, it doesn't. Can we just see the lobster before we buy it? What's up? Ew. Let's get out of here. One lobster to go, please. | [
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2lKDd20LQYw | Card. In this quick overview, we'll share the 5 things you really need to know about the Chase Inc. Business Unlimited Card. First, Chase Inc. Business Unlimited usually offers a nice initial rewards bonus for spending a certain amount in the first few months your account is open. Second, Chase Inc. Unlimited is true to its name when it comes to ongoing rewards, giving unlimited cash back on all purchases. Third, Inc. Business Unlimited does not charge an annual fee, so there's no pressure to use the card enough just to break even. When redeemed, the cash back rewards you earn are pure earnings for your company. Fourth, Inc. Business Unlimited offers an introductory APR, which is helpful with cash flow management and those large ticket purchases you might have planned for the year. But it's best to pay the bill in full every month when the card's regular APR is in effect. Fifth and finally, you need at least good credit to qualify for the Chase Inc. Business Unlimited Card, which probably won't come as a surprise. The surprising thing is that your personal credit standing may matter a lot more than your company's credit when it comes to getting approved for a business credit card. That's true with small business cards from all major issuers, by the way, not just Chase. That's the short story, but you can stick with me for even more info. For example, if Unlimited compares to the other Chase credit cards. Besides the Inc. Business Unlimited card, there's the Inc. Business Cash Card and the Inc. Business Preferred card. Preferred is the way to go for business owners who want to get the most out of their rewards when they redeem for travel. Choosing between Inc. Unlimited and Cash is tougher because both offer cash back rewards. The biggest difference between the two is that Unlimited gives cash back at a flat rate on all purchases, while Inc. Cash varies the rate based on what you buy. Which one you pick really comes down to personal preference and how well the Inc. Cash Card's bonus categories complement your company's spending patterns. Another thing you might be contemplating is cards for your employees. Chase Inc. Unlimited offers employee cards at no extra cost. You also get to set a custom spending limit on each one and track their purchases through your Chase.com account. Plus, all the rewards employee cardholders earn go right back to the business. Moving on, rewards credit card applicants are always interested in their options for redeeming what they earn. Well, with the Inc. Unlimited card, you can redeem for cash back via statement credit or bank account deposit, gift cards, travel, and more all through Chase Ultimate Rewards. Best of all, your cash back rewards are free. You can redeem for cash back via statement credit or bank account deposit. or use them as you earn them. And speaking of travel, is Chase Inc. Unlimited any good for it? It sure is. Chase Inc. Unlimited is accepted all over the world. The downside when it comes to international travel is that Inc. Unlimited charges a foreign transaction fee. If you're looking for a card that doesn't charge foreign transaction fees, check out Inc. Business Preferred. Yes, it does. Inc. Business Unlimited has great ratings from WalletHub's editors and users alike. So, with all of that, you should have all you need to make an informed decision about Chase Inc. Business Unlimited. But to learn more, you can head to this button right here. And that's it for this video. If you have any questions or other questions, feel free | [
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oO4MxptlaCo | for you? Then listen carefully. Bank of America made this card for rebuilding credit scores. Here are the key points that you need to know about it. There is no annual fee. There are a lot of cards on the market that charge you with an annual fee. Fees are ranging from a few bucks and way above $70. It is very important to save money on annual fees. This secured credit card has so called graduation. Bank of America reviews your credit account and may decide to return your security deposit. This graduation is a good sign that you did a good job. It will show you exactly the moment when your credit card is returned. The range of potential credit limit and security deposit is quite high. From $300 and up to $4900. It depends on your income. Fees. There is no annual fee. But there are plenty of others. Foreign transaction fee will cost you 3% of the amount. Balance transfer is $10 or 3%. The balance transfer is $10 or 3%. Balance transfer to secured credit card would be a strange move in my opinion. Late payment penalty will cost you $29 the first time and $40 the second. But if your balance is less than $100 there will be no fee. This is very nice. The APR of this card is quite high. 23%. But you should not open a credit card if you cannot pay it off every month. The Bank of America Secured credit card makes no hard inquiry for your credit score. It makes only soft pull. Bank of America reports how you used this card to three major credit bureaus. So it will definitely build your credit score. You will get access to tracking your FICO credit score. For example Capital One secured card and Discover secured card. Feel free to watch them. Feel free to watch one of my videos. One of the most important things when you rebuild your credit score is establishing your primary credit card that you will keep for decades. And it is important to keep it free of annual fees over the decades. Watch one of these videos. See you there. | [
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1705629231084945536 | People, central banks, have awakened to the need for gold? No, it's not waking up. They always knew in that toolbox they could use a gold revaluation, but they don't talk about that. Only when it's really needed, only when you reach the point that there's no other tool they can use to fix it. | [
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xY6yyGnuy07Y80kP | और ऐसे में अगर आप किसी गलत UPI में पैसे ट्रांसफर कर दें तो उसे कैसे रिकवर कर सकते हैं आज वही समझेंगे सबसे पहले आपको www.npci.org.in पर जाना होगा गेट इन टच के ड्रॉप डाउन में UPI कम्प्लेइन के ओप्शन को चूस करें कम्प्लेइन विंडो में आपको ट्रांसेक्शन का ओप्शन मिलेगा जिसमें आपको तीसरे नंबर का इशू यानि इनकरेक्टली ट्रांसफर टू अनदर अकाउंट को चुनना होगा अब अपनी बैंक डिटेल्स तारिक मेंशन करके फॉर्म सम्मिट कर दीजे रिक्वेस्ट मिलने के बाद एंपी सी आई और बैंक एक साथ मिलकर जल से जल्द आपकी प्रॉब्लम को सॉल्फ कर देंगे | [
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yF81F7W3Sdo | Walgreens, everywhere. Or you can order it online for free. But there is a monthly fee of $5. Is it worth the money? Let's check it out. Hi, I am Slava. Welcome back to my channel about money. The card is branded as PayPal and you need a PayPal account to fully use the benefits. Your transfers from and to PayPal account are limited to $300 per day and $2000 per month. The card is similar to NetSpend prepaid card. If you want to protect your card number, you can make a virtual debit card for online purchases. You can deposit money at your local bank. To install for your client. This is sold via ours bist Zheng Apt заказных действий. With the return of those Shayna specifies that this card will not show up on this product's Then fromnow on visa will show up directly on net thinks cards and pay with equal Payment withdrawal is $2.5. Card replacement is $6. Custom card is $4. If you want to close the card and take your money back it will cost you $6. And foreign transaction fee is 4%. The maximum balance you can carry is $15,000. If you have more than that, probably it is time to open a high yield savings account. Watch my review of a high yield savings account. Or watch my review of PayPal debit card. It is not the same as this prepaid card. Subscribe to my channel. | [
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lOoC5NGIUdU | Let me tell you, I accrued a 40 lakhs debt as soon as I graduated from Purdue University and I paid it off within three years being a non-tech person and you can do this too. Statistically, a lot of people, 95% plus people stay in the US after their graduation, they get a job and they are able to pay that loan back within the next five years. This is a great stats and that's why US is such a big hub of international education, of international students coming into the US and working and studying. Especially, even if you are non-tech, there are a lot of more opportunities as compared to other countries. I did not go to Europe because of the language difference. Here, you are speaking English and you are communicating with everyone really well and that's why you are able to cultivate and build those relationships and eventually make money and pay back your loan. So, don't be scared, take the risk. And you will be really happy that you did take that risk. | [
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1718962167456870600 | He has all this money in, in stocks and, and they just, every 10 years, you know, stocks, there's no such thing as a 10 year period in history where the stock market went down. So you just have to wait long enough. And we've seen it in hex. We've seen it in crypto. And it's like those rich people like the Mitt Romney's like Elon Musk's, they just don't sell and they get loans. And power city is like this whole ecosystem. I'm going to try this again, | [
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nWpO6_PZYD | Jennifer has a question. She says, why is someone trying to sell me a TFRA? I think she means tax-free retirement account. And what is the benefit to this? Does she call it a tax-free retirement account? Because. That is what Daniel and I think she means. I will be fully honest. So I'm going to go benefit of the doubt here, right? Right? We love Roth tax-free. See, why are you going to steal my thunder? Could you not see the build-up I was doing here? He was about to just set that up. I had an entire narrative. Keep going. I was going to do a thing. I'm sorry. Preach. You know what? I'm sorry. Why did you do that? Tax-free retirement accounts. We love them. We love them so much. We make them step five of our financial order of operations. Roth IRAs. It is truly a tax-free retirement account. And then if you include health savings. Health savings accounts. Those are also tax-free and they can be used in retirement. So we love those. Now, here's the great news. There was a catch there, though. Nobody has to sell you that. Were you about to say that? I was about to say. She used the word somebody's trying to sell me. Most people. Vanguard's not out there going. Fidelity Investments is not out there going. Hey, we have these Roth IRAs. They're going hot. You better get in here quick. That's exactly right. So a tax-free retirement account that you can go open for yourself is a Roth IRA. Or go open up a health. Health savings account. And those are wonderful. And you don't have to have someone sell them to you. You don't have to pay commission for that. What she's probably talking about, I'm guessing, is some sort of insurance product. Or some sort of tax-free annuity. Where you can build up assets in that. And you can borrow money at some future point. And it's going to be technically tax-free to do that. That is an entirely different thing. And I would not actually call that a true tax-free retirement account. Yeah. Because the only way it's tax-free is if you. You basically die with it. Yeah. Because otherwise you might be getting married to this insurance product for the rest of your life. Because think about the fact. To do what they always share in these tax-free insurance products. Is you build up. You overpay for insurance while you're young and healthy. So this cash value can build up in the background. And then where the tax-free comes in. Is you can take exactly what Bo said. You can take a loan from that cash value. But the problem is. Now once you take that loan from the cash value. What happens if you get to be late 70s, early 80s. You have a huge loan. And the cost of insurance is still building in the background. Because you're older. You know. Unfortunately we're all going to die at some point. So the cost of insurance knows inevitably that this policy will pay out. What if you burn too much of the cash value. Now the policy kind of implodes. And you create a big tax liability. It's no longer a tax-free thing. I don't like that. I'm trying to build financial independence. And financial independence to me means you have no encumbrances. Nobody who can tell you what wins. And that's. And what about. What do you think the insurance company. If you're overpaying for this insurance in your 20s. To build cash value. What's the insurance company doing with that money? They're investing it. So why not take out all the middle people that are in the middle. You know. Taking this. Paying commissions. Because usually those insurance commissions. There's a reason they can afford to have the sales force. Why don't you do that? Just do what the insurance company's going to do. If you need insurance. Go buy term life insurance. But then go and invest. In these Roth. True tax free growth opportunities. Like Roth IRAs. Roth 401ks. Health savings accounts. You don't need an insurance agent to make that stuff happen. Here's your litmus test. To protect yourself against the insurance agent. Go download our free deliverable. Go to moneyguide.com. Slash resources. Download the food deliverable. Brian hold it up. You should not even be thinking about these types of products. Until you've worked through. Until you've done your Roth. You've done your HSA. Until you've maxed out your other retirement available options. In your 401k and 403b. And it's only at that time. When you get to step seven of the financial order of operations. Would you even almost theoretically think about utilizing a product like this? And then you've got to lay it side by side. And say. Does this product make sense for me? Or is it just a regular taxable after tax brokerage account makes sense for me? What are the costs? What are the fees? What's the incentive for the person sitting on the other side? What's the other side of the table for me? And what's ultimately going to be in my best interest for the goals that I want to achieve? And I find that most people when you work through that process. At some point in there. You will disqualify this insurance or annuity product. Because it likely does not make sense for you. Go download also. Moneyguide.com. Slash resources. The eight questions to ask a financial advisor. Because insurance agents fall into that category too. And if they tell you. When you say. How do you get paid? And they're like. Oh you don't pay me anything. The insurance company pays me this. And you'll be like. Wait a minute. Wait a minute. No. I'm still paying you. Even though the check's coming from the insurance company. It's through the premiums. Probably close to 100% of that first year premium. Is going to the insurance agent. Just ask those questions. Why not? Just be transparent. Find out what's going on. I think that will help you make the better decision. Love it. | [
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mjA_ziavAg4 | you're not losing out on any money. Hi everyone, this is Camilla the Focus Spender and welcome to my channel where I teach you how to get out of debt, save more money, and invest so that you can build wealth and leave a lasting legacy. So I've been a Capital One 360 user for several years now, and I mean since before they were Capital One 360 and they were ING Direct, and then they were bought out by Capital One. And the reason why I opened an account with them is because they were offering 5% in interest on their savings account, which was completely unheard of, especially compared to the 0.01% that I was earning with Bank of America. Also, you could open up multiple sub-savings accounts with them so that you could use it for your sinking funds. Now, if you don't know what a sinking fund is, it's basically a bucket of money that you use to save for very specific purposes. So we all know Christmas is at the end of the year. You can start saving for Christmas. In January, by putting money aside every single month into your Christmas sinking fund. Or you can do it to save for a new car, to save for a down payment on a house, if you know you have a vacation coming up. If you want to save for an insurance payment, literally whatever you want to save for throughout the year, you can do it in sinking funds. And I have a free tracker in the description box below that gives you a way to organize your sinking funds and helps you decide how much you want to save every single time you get paid. Now back to Capital One 360. The interest rate at the time was 5%, but as federal interest rates fell, so did their savings interest rates. And right now their regular savings interest rate is only 0.3%. Now, before you get upset for anyone that is a Capital One 360 user, they do have a performance savings account. Now, if you open up a savings account with them today, you're automatically enrolled in that performance savings account that is currently offering 3% in interest. So for new people, you're already in the savings account. But if you've had Capital One 360 for years, you're going to want to make sure that you log in and look at the interest rate that you're earning on your various savings accounts. It might only be 0.3%. And I know this for a fact because up until today, I still had a couple of accounts that were only earning 0.3%. So what you need to do is to log into your Capital One 360, click on open new account, and then click on checking and savings, and then performance savings account. You can open as many as you want. And so you open the account, you transfer the money from your old savings accounts into your new performance savings account, and you're automatically going to start earning 3%. But you also want to make sure that if you had already set up automatic transfers throughout the month, you're going to turn off those transfers on your old account and then restart them on your new accounts so that no money is going into your old account earning 0.3% and all your money is going into your new accounts earning 3%. So be sure you're auditing all of your accounts. Now if you want to learn more about sinking funds, be sure to click on one of the videos popping up on your screen. I hope you enjoyed this video and I will see you next time. Thanks. Bye bye. | [
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1669759991732137985 | and you know that there's clubs that want to spend right now, if you were looking at ways to improve the caliber of player in the league, improve the roster across the board, are there changes that you would make to how we're doing it? And how would you go about it? Would you just lift it all and impose a salary cap? What do you think is the ideal situation for MLS? Because I'm constantly saying we need to spend more money, but beyond that, I don't know what the fuck I'm talking about. I think that MLS has all these rules and all these guardrails because they are generationally traumatized about what happened with the NASL. And they're also traumatized by what the finances of soccer outside of the United States looked like for a very long time, up until very recently, where before UEFA, and these leagues started instituting financial regulations. Every club in La Liga had gone bankrupt except for Real Madrid and Barcelona. We know what's going on with Barcelona right now. Even today, you look at Welcome to Wrexham, and the entire conceit of that show is, if we don't win the league, we lose all of our money. We cannot pay back our debts. And that is an insane financial setup to be in, for a business where only two clubs a year can recuperate their expenses. So I think there's always going to be concern in sports where you have two teams that need to compete to make sure that the teams that are not winning are still able to financially exist. So I think there's always going to be a need for some financial regulation, something to sort of... Keep the reins in. | [
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IolePV7XTfA | In this video, I'll review the Capital One Venture Rewards credit card which is currently offering a 75,000 miles sign up bonus. And more importantly, what's even more exciting, Capital One just announced that their currency will be transferable. Which means you can transfer the miles you earn with Capital One to a dozen airlines. This is an amazing game changing move from Capital One. As customers, you and I should be jumping for joy right now. Why? Because we get an additional way of earning a ton of miles that we can transfer to airlines to extremely maximize the value of these miles for business and first class flights. Or economy if that's your thing. I'm just kidding, I fly economy too. Sometimes. Hey guys, my name is Rami and welcome to Points Pointers. My goal for this channel is to help you earn and redeem as many points as possible to upgrade your travels for little to no money. So if you're interested in travel hacking and award travel, then please consider subscribing. I'll also share a lot of trip reports and reviews of first and business class flights from around the world as well as some travel vlogs. You can also download my free 10 step travel hacking guide in the description below. So let's start with the welcome bonus. Right now the card is offering 75,000 miles after spending $5,000 in the first 10 steps. Those 75,000 miles can be redeemed for $750 worth of travel, but now you can get even better value when you transfer those miles to airline partners which I'll get into in a bit. year. This is amazing. So you'll get between $750 to over $1,000 in value depending on how you use the 75,000 sign up bonus miles for free for the first year. With the Capital One Venture card, you can receive up to $100 credit for Global Entry or TSA PreCheck every 4 years. The Capital One has zero foreign transaction fees and it also has some nice travel perks like travel accident insurance up to $250,000, lost luggage reimbursement up to $3,000 and secondary auto rental coverage. You'll also get purchase security which replaces, repairs or reimburses you for purchases in the event of theft or damage within 90 days of the purchase. Earning miles on the Capital One Venture card is pretty straightforward. You'll earn 2 miles for every dollar you spend with the card on every transaction. Which means you're basically getting 2 cents in travel for every dollar in purchases with no annual cap. Very simple. The only exception, which is a good one, is when booking hotels through hotels.com slash venture and pay with your Capital One Venture card. You'll earn 10 miles per day. That's an impressive earning rate at hotels which is equivalent to 10% back. This promotion is available until January 2020. You can even stack that deal with the hotels.com own rewards program which effectively also offers another 10% back. This means you can get 20% back on all hotel stays booked through hotels.com using your Capital One Venture card. Wow. Now the interesting part, redeeming those precious miles. When you're ready to redeem your miles. You can easily sign into your Venture Rewards Online account and redeem them for 1 cent per mile as a statement credit towards any eligible travel purchase you've made with the card in the last 90 days. This could be an airfare, a hotel stay, a cruise or a car rental. There's no minimum amount required to redeem. This used to be the only way to use Capital One Venture miles but Capital One just announced that starting in December, Capital One miles will become a flexible coins currency, which means you'll be able to redeem your venture rewards online. You can also use Capital One Venture miles to transfer your miles to a dozen airlines at a ratio of 2 to 1.5 which is equivalent to 750 airline miles to every 1000 Venture miles transferred. These partners are Aeromexico Club Premier, Air Canada Aeroplan, Air France KLM Flying Blue, Alitalia, Avianca Life Miles, Cathay Pacific Asia Miles, Etihad Guest, EVA Infinity Mileage Lands, Finnair Plus, Hainan Airlines, Qantas Airlines and Qatar Airways. You can also use Capital One Venture miles to transfer your miles to a dozen airlines miles transferred. Some of these partners are actually very useful like Aeroplan, Etihad, Flying Blue and Life Miles. Bottom line, this is all great and awesome news. The 75,000 increased sign up bonus, effectively getting 20% back on all hotel stays booked through Hotels.com until January 2020, plus adding flexibility to the points by having 12 airline transfer partners is incredible. cash back card to a true travel rewards card that earns transferable miles. Let me know what you think of this card and its new benefit in the comments below. Will you consider getting it or you will pass on it? Do you find any flaws in it? Do you wish that something else would have been added to it? Let me know in the comments. And finally, thank you guys for watching. If you liked the video, please give it a thumbs up and if this is your first time here, I would love to have you subscribe. Because every week I'm publishing videos that will help you earn a ton of credit card points and frequent flyer miles that will enable you to travel the world for little to no money. | [
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1690269264807141376 | So you can complain if you think a firm isn't following the consumer duty, but the way you complain won't change. You'll still need to complain directly to the firm. I usually recommend doing that in writing and then give it eight weeks to respond. If it doesn't respond in that time or you're not happy with the response, you can go to the financial ombudsman service. We talk all the time about the ombudsman. It's a fantastic free alternative to the courts. However, waits can be very long, a couple of months. For some more complicated cases, the financial ombudsman does expect a short term increase in number of complaints following the introduction of consumer duty before a gradual reduction in this kind of general aim that the duty will reduce rule breaking by instituting good practice when products are developed. | [
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1705589061123965049 | 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. | [
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5JS7oOaAM70 | So as we know, banks are businesses, right? They need to make a profit. And anything that they offer you is taking away from potentially what they could give you as interest. And so banking used to be a way where they said, okay, if you would put money with us, we will give you some type of interest. And gradually as interest rates fell, it became a place where put money with us and we're going to even charge you fees and not give you any interest, which is crazy. And the reason is banks have overhead and they still need to make a profit. And as Americans, we think, okay, well, we need a bank and most of us do. So what's another way to bank that's not going to cost as much? Over the past 10 to 15 years, online banks have started popping up. And what they do is they cut out those brick and mortar locations. So if it's not that big of a deal for you to walk in and talk to a teller and get a lollipop and go through a drive-through and you're okay doing everything online or through ATMs, you can actually go with purely online banks who will give you a very good interest rate even on checking accounts. Right now, as we record this, there are banks that will give you a very good interest rate even on checking accounts. So if you don't use those conveniences of a brick and mortar bank, consider switching over to an online bank. And you can check the rates online. Just Google current bank rates. If you're looking for a checking or a savings account, you can Google checking interest rates or savings interest rates. Now, I'm not saying that brick and mortar banks are bad. I personally bank at a brick and mortar bank because we also have business. And it's important for us to have a relationship there. But if banking isn't that big of a part of your life, you might want to consider switching over and start earning some interest in the money you have saved with them. Thank you so much for watching our video. If financial literacy is something that is important to you, please consider subscribing to our page. Our goal is to teach you everything that we know about finances so you can apply it to your life and your situation. So click the subscribe button. We hope to see you at the next video. Thank you. | [
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pFx6oJKjWsY | Walgreens, CVS, 7-Eleven and others. You cannot order the Green Dot prepaid card online. To activate the Green Dot Visa Debit Card download Green Dot app and activate the card there. The process is pretty simple. What are the benefits of the Debit Card? First is that the prepaid card has 5% cashback. But there is an issue. Cashback is limited to $100 per year and you can redeem it once a year. What the heck? Remaining benefits are limited to cash deposits at retail stores and optional overdraft protection. To be eligible for the protection you have to have direct deposit every month. There is a monthly fee of $10 that you cannot escape. But there is another issue here. If you will not use the card for 90 days there is an inactivity fee of $10. Next benefit is the network of ATMs. To withdraw cash at an ATM you will have to pay a $3 fee. Nice benefit. You can deposit cash at the same retail stores where you can buy the Green Dot Cashback Card. Every deposit will cost you a flat $5 fee and each cash deposit is limited to $500. Except direct deposit. Sometimes it can be helpful. Another feature that you may enjoy is the mobile check deposit. You can use it to deposit paper checks with your mobile phone. But keep in mind that it will work only after a month after you open the account. For savers there is a special feature called Money Vault. You can set aside cash for emergencies and future purchases. Your balance in the Money Vault doesn't turn any interest. What the heck? At the same time Green Dot has a high interest savings account with 2% interest on up to $10,000. But the interest is paid once a year. What the heck? Why would you use Money Vault if you can earn interest on your balance in the savings account? There are no overdrafts by default, but you can turn them on if you have a direct deposit. Every month. Additionally, you can use this card for international or foreign transactions. But it will cost you $3 fee. The Green Dot cards have shady terms in cardholder agreement. So you will have to carefully inspect the cardholder agreement for hidden tricks that Green Dot is going to play with you. And you will have to pay $120 in fees per year to receive the $100 cashback once a year. Overall, I would recommend this card. I wouldn't recommend using this Green Dot 5% cashback prepaid card. | [
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bulNcdnVfVQ | This baby right here. We're going to cover the perks this card has, how to earn the rewards or how to earn the miles. We're going to compare it to cards that are in the same rank. And last but not least, I want to talk about who I think this card is best for. The Venture X card definitely belongs in the premium, so top tier travel card category. Perk number one, when you sign up, you will earn 75,000 miles if you spend $4,000 within the first three months. That is equivalent to $750 toward future travel spending. Perk number two is the annual $300 travel credit. So every year you will earn $300 in statement credit towards travel bookings you made via Capital One Travel. What this means is that if I bought a flight for $400 on the Capital One Travel website, that annual credit will take it down to basically $100 that comes out of my own pocket. Perk number three, airport lounges. Arguably one of my favorite perks for the Capital One Venture X. It's also attached to Priority Pass. I've not really been in an airport pretty much all over the world where there wasn't a lounge that I could access. There's free food, drinks, sometimes there's shower, places you can sleep, different types of amenities that are offered with the Priority Pass. The good thing about this is that if you had spent your own money out of your pocket to purchase a free lounge, you could get a free pass. It's not just a Priority Pass. It ranges anywhere from $75 to I think $429. So I don't know why anyone would actually buy the Priority Pass on their own. It is a much better deal getting it through a premium travel card. For the Capital One Venture X, they're also expanding and building more Capital One lounges all over the world. Number four is the anniversary bonus. This feels a little bit like that little extra cream on the top. For the most part, other cards don't have this anniversary bonus. What that means is that every time you hit that yearly mark of when you've signed up for this card, there's a 10,000 mile little extra bonus for you that's credited towards your travel purchases. Before I jump into perk number five, I think this is a great point to let you guys know what is the annual fee for the Capital One Venture X card. And it is $395. Now, if you've heard me list the perks prior, you will see that essentially with the 300 annual credit plus the lounge pass plus the anniversary perk, pretty much that has offset your annual fee to zero. If you are still fairly new to the credit card world or the premium travel card world, I completely understand. I started out with the Venture One card as my first card. This is like no annual fee, the very first tier of travel cards that Capital One offer. And if you want to see more options for other great cards that still has travel perks, but perhaps a lower or no annual fee, I did make a video before that I wanted to do, and I'll link up here as well as in the description box. So you can compare some other options if you're a bit new to the space. Moving on to perk number six is a $100 credit towards TSA PreCheck or Global Entry. I am a holder of both or I am a member. I don't know what you call it. And let me tell you, if you do any type of international traveling, it is a lifesaver. You get to skip the long annoying lines, both when you exit and when you enter back into your home country. What I really want to highlight here is I think moving forward, Capital One is really trying to streamline everything so that you book your travel, your car rental, your hotels, et cetera, through their Capital One travel website. I recently looked on their Capital One travel to look for flights, and it was actually incredibly easy to use. I think I even prefer it more than the Chase travel booking portal. So that is something to note. So let's talk about how the Capital One mile system works. So number one, you get 10x miles when you book a rental car or a hotel through the Capital One travel website. 10x is pretty incredible. Number two, you get 5x miles when you book flights on the Capital One travel website. And number three, you get 2x on any other purchases. That's still really good considering a lot of the other cards are 1 to 1 ratio or 1 to 1.5. Basically, you're redeeming those miles so that your flight, your hotel are free, or there's a big chunk ticket. And you're not taking off of what you would have to spend out of your own pocket naturally. It goes without saying, this card has no foreign transaction fees and the miles don't expire, but this is pretty standard practice now for all the cards. I'm going to list some of the other perks that are included in this card, but won't go into too much details. Things like return protection, trip cancellation and interruption coverage, extended warranty protection, their cell phone protection, Visa Infinite Concierge, travel accident insurance, as well as auto rental collision damage waiver. Moving on to the competition within this round. Right now, I think the main competition for the Capital One Venture X card would be the Platinum card by American Express, as well as the Chase Reserve card. Now, the annual fee for those, the American Express one is sitting at $695. And the Chase Reserve is sitting at $550. So the Capital One Venture X is $395. Who do I think this card is perfect for? I do think this card is better suited for someone that is not completely new. To the credit card space. If you're someone that's been in the credit card space for a while, you just kind of want to upgrade your game. And if you travel a lot, if you have to book hotels often, for whatever reason, if you work and you travel for work a lot, whether it's domestic or internationally, I think this is a great card for you. I have made a video previously to this one that covers all of my favorite travel credit cards, ranging for any type of lifestyle and any kind of budget. Feel free to check out that video. I will also link some really useful links in the description. There is a link down below from card ratings. I really like their website because they are great at comparing cards that are really similar in terms of its fees and perks. And you can also find categories like Travel, Small Business, etc. So all the helpful links that have made a difference on my decision-making when I'm choosing cards, I will link them down below. If you have any questions at all, please don't hesitate to reach out. This is a public forum. You probably don't want to be asking super personal financial questions. Or maybe you don't care. But reach out to me via Instagram, Diagen, or anything like that. I know if you are new to this space, it can feel a little bit intimidating. I was there myself not long ago and I've done such thorough research because that is the type of person I am. I like to know what I'm getting into before I get into it. I would love to help you out in any way that I can. Until next time guys, bye! Thanks for watching! | [
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ZtP02ZQ637s | 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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V1MOGybGTzs | Now tonight, two more Chase customers say they're out thousands as scammers continue to target them. As you can imagine, they're very frustrated. Fox 13's Alejandra Guzman joining us live after talking with them tonight. Natalie, you've been trying to get some answers. David, Jamie, I can tell you that we have, and it's been a long battle. These customers say that all they want is for their hard-earned money to be put back into their savings, checkings, or even business accounts. But instead, they've received letters or blank statements saying that they've benefited from having their money transferred to other accounts. They say that this is not what they intended for their accounts to be. Right now, all they want is for their money to be put back. Here's what they had to say. It all starts with what seems is a warning message. Chase Bank, did you attempt a $2,500 pending Zili? Reply yes or no. David Burdick replied no and says within minutes he got a call from whom he thought was a Chase representative the morning of January 19th. He says he was asked to go on the mobile app and verify if any other charges appeared to be fraudulent. He knew what stores I went to, how much I spent, and so that's what can make me believe that it was actually a real person from Chase. The 38-year-old says the alleged representative told him they'd have to transfer his savings into his checking account to prevent any more fraudulent activity. He transferred $4,300. He said he'd pay $55 with 12 cents with the promise of an email and a new account. I called Chase and asked him, hey, where's my information? Where's all these details? And he just kind of laughed and was like, dude, that's a scam. And I was like, what are you talking about? And he goes, oh yeah, this is a known problem. He says his money was wired to an account in Florida. David called customer service and filed a complaint with the executive office. I feel betrayed. I feel like, as we were taught growing up, you put your money in the bank. Your money is safe. Don't have to worry about it's insured. You know, no worries. That's not the case. He's not alone. Nearly two months ago, on December 19th, Trevor Sneva received the same text message. Did you just try to wire transfer $9,000, yes or no? He, too, went through the motions. He answered the phone after responding no, hoping to keep his business account safe. He asked for my password. I wouldn't give him that. However, he says they made him sign a document to keep the money. But after getting passed around to another representative who asked for security questions, he hung up and drove to his local branch in Spokane. While I was sitting at the bank, like two more wires went out for $9,000 or $9,250. Total of $20,000 taken from his account. Fox 13 reached out to Chase, who declined to an interview, but sent us this statement saying in part, Imposter scams are a societal problem. Scammers impersonate companies, banks, and even government agencies to try and keep their business accounts safe. They also trick customers out of their hard-earned money. We urge all customers to ignore phone or internet requests for money or access to their computer or bank accounts. They also sent us these tips, recommending you protect your personal account information, passwords, and one-time passcodes, saying if you want to be sure you're talking to a legitimate representative, call the number on the back of your card or visit a branch. But when it's the same number, I don't know. I got a lot of blanket excuses of what I did wrong. I really don't know. I'm not sure I'm going to be able to do it. Tonight, every single one of the victims Fox spoke with says that their accounts have not been reimbursed and they were told by Chase that they would not be. We reached out to the FBI, who says they're aware of the ongoing scams and they're tracking them. They also say, and they urge you to file a report with them as soon as possible. Two of the victims have already filed one and are waiting to hear back. If you feel you've been a victim of a scam, we have more information on how you can file that report on our website, Fox13Seattle.com. That's you. | [
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VxX8-mSuUUg | Tip number one, if the credit card machine asks you to pay in USD or the local currency, always pick the local currency. If you choose US dollars, the credit card processor will dynamically convert your money. Dynamic conversion is bad for your money. If you choose local currency, your bank will convert your money at a more favorable rate. And this is what you want because you want your bank, the bank that you trust, to convert your money. In this case, it was a $166 difference. Tip number two is take advantage of VAT refunds. It might take a little bit of paperwork, but you'll get some of the taxes you paid refunded back to you. Tip number three is use a credit card that has no foreign transaction fees. Follow for more travel tips and comment below if you have any questions. | [
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Y7gUyCoK4X4 | Let's address this now because I think it may have been Fu Manchu who asked this. Hey, are CDs a good way to save for short-term events, for short-term ideas like cash accounts and that sort of thing? First of all, what is a certificate deposit? How does it work? And then is that a thing to be doing right now in a rising rate? Are there risks associated with that? How would you tackle that? Well, CDs have a place in my heart. I won't say a fine place in my heart because this was the only way my parents knew how to invest. And it frustrates me to no end because when my parents thought of investing, it was CDs. And CDs are something that your local bank will offer you. And this is the promise they give you is that, hey, if you let us lock your money up and they have stated periods, it could be six months, it can be 12 months, it can be multiple years. You say you're basically promising them you won't. Pull this money out because if you do, there's a penalty or you forfeit potentially the income that it could have made. But you're giving them the promise. I'm going to let you make use of this money and I'm going to lock up my ability to take it out or try to lock it up so that you will pay me a premium on the interest rate. And it's very, I think we're in this unique time now where interest rates have gone up dramatically. The Federal Reserve is fighting inflation. So they're raising rates very quickly. So we have gone from where your savings account. So even at the high yield banks, online banks that are FDIC insured, we've gone from where they were paying less than 1% to where currently it's not uncommon to be able to get well over 2.5% just on your FDIC insured money market that has no limitation on when you can pull that money out. You can put it in today and next week you can go pull it right back out with no penalty and they'll just pay you for the seven days that you let them actually have the privilege of holding your money. I like... Because here's, let me tell you my concerns with CD investing. Like I said, this is coming from a place from parents who did this is that for older people or, you know, let's just say people who are thinking of CDs instead of investment because right now they feel really safe. So a lot of people are saying that's how I'll invest because there's CDs now that if you lock it up for a little over a year, you can get over 3% now on these things, even 3.5%. Man, 3.5% risk-free feels really good right now. But if you're looking at it from an investment standpoint, I always tell you be careful of what's going on in the background that you might not see with, you know, in the context of CDs. Yes, you're getting 3.5% risk-free. But if inflation's 8%, over the long term, your purchasing power is getting eaten alive. I mean, your purchasing power is being eroded right before your eyes. If you're making 3.5%, but the, you know, but things are going up by 8% because investing, yes, is painful right now. But over the long term, there's a close to 90% risk-free. There's a 9% spread since 1980 to 2021 of what markets have done, the S&P 500 specifically, over what the stated inflation rate was. That's something that you're going to have the opportunity when economies recover, you'll be there. So that's the difference between CDs for, you know, for investment. But, Beau, I want to talk about cash reserves. Sure, yeah. Because specifically he was asking about should I use this for cash reserves? Are there any limitations that people ought to think about for CDs? And what are the risks in that aspect? This is what I think is so interesting. We as humans suffer horrendously from recency bias. Here's a great example. If I were to tell everyone, hey, right now you can go get a 4% mortgage, everyone would be like, oh, my gosh, that sounds incredible. Oh, that sounds so amazing. If we rewind it two years ago and I told you that you could have a 4% mortgage, oh, my God, it's so high. No way, right? We all struggle from that. So right now we're seeing these CD rates, and they're looking really attractive. Well, yeah, they sound really attractive right now. But what if you go buy a 2? You're a 2-year CD, and you lock your money up at 4%, 4.5%. But interest rates keep rising, and they keep going up. And then all of a sudden money markets are paying 4% to 5%. And then CDs are paying 6% to 7%. You're going to be like, man, why did I captivate those dollars and lock them in a rising rate environment where maybe I didn't have to? So right now, while things are on this move, I would be a little hesitant to lock my emergency reserves inside of a CD just because you can go get really, really. Yeah, exactly. With no strings, with no handcuffs on it. Now, I know, yes, there are no penalty CDs. I've already seen people mention that in chat. That is true. But do you really want to go through the difficulty of having to go buy a product, underwrite a product, figure out the product, when just opening up a high-yield savings account for your emergency fund that you can get to within one to three days might be a whole lot of an easier solution for someone who's trying to hold cash reserves? Bo, I thought this was just a coincidence. I was on. I wanted to go look up what the Fidelity Cash Reserves Fund paid. Seven-day moving yield because that's how you can figure out what's going on. So I typed in. I think it's FDRXX. And then it pulled up. And what I thought was interesting was, this is to give context, that what we don't understand is that the low interest rate, the 0% interest rate that we were all so used to is not the normal. What's normal, because if you looked at these since inception on the Fidelity Cash Reserves, it was like over 4%. And I think that that is something that people ought to remember. Cash in the past does pay more than half a percent or 35 basis points like your bank is probably offering you. So don't get so excited. Get caught up in the moment, like Bo said, and see a CD that's paying 3.5% and be like, yeah, let's go lock it up for a year and a half to two years when you might be surprised that you could be earning that exactly what Bo was talking about. Just out of the money market with no lockup period. And that's probably because cash reserves for me needs to be money I could get my hands on really quick because they're there for the rainy day fund. They're there for the emergencies. I don't like how CDs have the threat that they could essentially penalize me. And I know they won't take away my money, but just the benefit of the premium I'm getting could be undermined if I had a need for it. So why not just go with something that has zero restrictions? And like the high interest rate? Yeah. I mean, I think that's a good thing. If you're a big cash holder, know that there are different shares of money market funds or different class that you can buy. Some of them might pay like 2.5%, 2.6% for balances under $100,000. Some of them, if you have over $100,000, you can get 3%. So make sure you're looking at that when you choose your money market account that you're utilizing. Well, I mean, to your point on that, if you go look, I mean, I think like the Fidelity Cash Reserves was like 2.52. I'm dating this, but it'll be okay. Okay. But if you have $100,000 of cash, it was right at 3%. That's right. Yep. And then there's a million dollar one that is really right on where the treasury. I mean, the spread between what treasuries are offered and those is really tight. So that's a great another value add there, Bo. | [
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1703392803685028331 | I responded that I thought our concerns were, in fact, in the next six years. I was fortunate to visit Taiwan just a little over six months ago. Government officials there described the last two years in their security environment as the most severe in their history, with multi-domain blockade rehearsals and attack demonstrations from all directions, from all domains. The PRC continues its campaign to coerce, co-opt, and corrupt other countries and business and political elites across the region to undermine the overall security landscape. The PRC also continues its integration of PRC civil and military entities. It continues to deepen the reach of its national security laws, even affecting U.S. business in the PRC. And lastly, the PLA continues to fight. It continues to follow Chairman Xi's edict to fight and win by 2027. I think if you're in a kinetic war where munitions are flying, the natural result of that is all maritime shipping in the area will stop a much more sudden and immediate separation of relations. And important American companies, notably Apple, would likely see the value of their operations fall very substantially just because of their supply chain dependence on a mix of Taiwan and China. A particular importance to the U.S. The flow of semiconductors out of Taiwan. That if you don't have the right chips, you can't produce a functional car. For some specific components, it would be almost impossible in the short run to find those components. I think your baseline would assume a near complete freeze of cross-border financial transactions. U.S. financial assets inside China would also likely be frozen. This is one of these jump kind of risk. Enormous amounts of instability in global financial markets. Those Americans who've invested in specific... Chinese companies or who've invested in indexes that have some exposure to China would see a meaningful portion of their wealth impaired. It would be responsible for all those making significant investments to make their portfolios, to the extent possible, resilient in the face of this kind of shock. | [
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cGfSEBfmOLgV5RbU | Number one, वो आपको ऐसा एक illusion create करके देता है कि आपके पास पैसे हैं when the truth is शायद आपके पास पैसे नहीं है. Number two, अगर खुदाना खासता आप अपनी पूरी payment नहीं कर पाते हैं then it piles up on the interest like nothing else because 30 to 36% का interest देते हैं आप साल का which makes it the most expensive loan. Number three, अगर आपने payment पर default कर दिया आपका credit score गया that will make it harder for you to get loans or even if you get them आपको उनको higher rate of interest पर मिलेगा. But credit cards are not all that bad as well. There are three reasons why credit cards are awesome. Check my channel to get that shots as well. | [
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BLPtH1hs_OYM5WQ5 | फोन पे यूजर है और आपने गलती से किसी को transaction कर दिया है अगर आप चाहते की वो पैसा आपको refund मिल जाए तो कैसे हो सकता है ये सारी आपको बताता हूँ वो ऐसे आपको करते जाना है तो चलिए वीडियो को स्टार्ट करते हैं लेकिन वीडियो को स्टार्ट करने पहले हमारी आपको इस छोटी से request है कि चैनल पर नए है तो चैनल को सबस्क्राइब कर दीजिए और बेल के गंटे के अंदर आपको वापस मिल जाएगा. बस आपको इस वीडियो को complete देखना है, कई पर skip नहीं करना है. तो चलिए सबसे पहले मैं आपको बताता हूँ कि कैसे आप अपने पैसे को refund पा सकते हैं? इसके लिए आपको करना क्या होगा? तो कि वीडियो को skip नहीं करना है तभी आप जा करके सीख पाएंगे. इसके लिए सबसे पहले मैं आपको ले करके चलूंगा अपने फोन पेपर. तो आप यहाँ पर देख सकते हैं आपको यहाँ पर हमारा जितना transaction करके रखा होगा यहाँ पर आपको शो कर जाएगा. तो चलि मैं आपको यहाँ पर कुछ दिखा देता हूँ. जैसे मान लीजी कि यहाँ पर हमने transaction किया है तो हमें यहाँ पर यह पैसा receive हुआ है या फिर आपको आपने भेजा है गलती से भेज दिया है तो यहाँ पर transaction किया है यहाँ पर � excellence करना है तो जो भी transaction के रूप से दे रहा है तो आप नहीं रखेंगे या क्यल तक यहाँ से कामन करना है और यहाँ पर उप ले लीजिए आपने जॉबव purchasing की हैं तो इस बटन करने के बाद आपको यहाँ पर कर ले ली जाएगा इस open कर लेता हूँ. आप यहाँ पर देख सकते हैं हमारा जो Chrome browser है यहाँ पर यह open हो चुका है. Open होने के बाद आप यहाँ पर देख सकते हैं कि आपको यहाँ पर search का icon दिख रहा होगा. आपको यहाँ पर type करना है. N P C I. आपको यहाँ पर क्या देख सकते हैं कि कुछ इस प्रकार से यहा पर यह open हो जाएगा. तो आप यहाँ पर देख सकते हैं कि ऊपर के साइड में ही आप यहाँ पर left side में देख सकते हैं कि आपको यहाँ पर तीन line देख रही होगी. आपको इस line पर click करना है और जैसे आप यहाँ पर इस line पर click करेंगे तो आप यहाँ पर देख सकते हैं कि कुछ इस प्रकार से open हो जाएगा ओ ओपन होने के बाद आपको यहाँ पर कई सारे option और भी open हो जाते हैं यहाँ पर आने के बाद आप यहाँ पर देख सकते है कि आप को यहाँ पर लिखा मिल जाता है UPI complaint आपको UPI complaint पर click करना है यहाँ पर click करने के बाद आप यहाँ पर देख सकते है कि कुछ इस प्रकार से यहाँ पर आ जाएंगे आने की बाद आपको यहाँ पर नीचे आ свои नीचे आते हो यहाँ पर देख सकते हैं कि आपको यहाँ पर लिख करके आ जाता है ट्रांश कि आपको ट्रांड फली ऑफिसेंट पर क्लिक करना है अब जैसे यहां रूसलार सकते हैं. ऩिलापन जगहूर नेक्किन परोटी नोट क Committee है, हफ्ते मुख्य भी एकरन की प्रशिक्ष लवित है. और गांव न करा। लिए याद कि मूश्माल की कुछ के पिकाली करें want कर रहे हैं और app कर रहे हैं各位 एंड पिकाली हैं। मतलब मैं आपको बता देता हूं । person to person का मतलब यह होता है कि आपका यहाँ पर simple transaction हुआ है यानि एक आदमी से दूसरे आदमी को transaction किया गया है । दूसरा यहां पर आपको जो दिया गया है person to merchant । इसका मतलब यह होता है । कि आपने यहाँ पर किसी select issue drink in यहां पर आप देख सकते हैं कि यह पर बहुत सारे आप्शंस दिए जाते हैं और आपले पर पूछी जाते हैं कि आपने यहाँ पर क्या गलती किया है किस तरीके से आपने पैसा सेंड कर दिया है गलती से पैसा send कर दिया है तो आप यहाँ पर देख सकते हैं कि आपको यहाँ पर third number का जो option देखने के लिए मिल जाता है incorrectly transferred to another account तो आपको इस पर click कर लेना है और जैसे आप यहाँ पर click करते हैं तो आप यहाँ पर देख सकते हैं इस प्रकार से select हो एगा important तो आप यहाँ पर n你在 तो नीचे सकते है कि कमेंट आपको comments वाले option पर कमेंट तक ही लिख सकते हैं तो यहाँ पर लिखना का यह पय तलब बता देना है कि आपने जो ट्रैकस्चन किया वह गलत transaction कर दिया है, गलती से आपने उदना transaction कर दिया है तो चलिए मैं यहाँ पर लिख देता हूँ तो यहाँ पर आप देख सकते हैं कि मैंने यहाँ पर लिख दिया incorrect transaction, ठीक है इसके बाद में आपको यहाँ पर नीचे आना है आपको यहाँ पर example के तौर पर फिल करके भी दिखा देता हूँ. तो यहाँ पर मैं आपको दिखा देता हूँ ताकि आपको पता चल जाए कि transaction ID होती किया है. आप यहाँ पर देख सकते हैं कि आपको यहाँ पर लिख करके इस प्रकार से आ जाता है transaction ID और नीचे यहाँ पर आप देख सकते हैं कि आपको कुछ यहाँ पर डिजिस्ट और अलफाबेट दिए जाते हैं. तो आपको यहाँ पर करना क्या है? आपको यहाँ पर आपको बताना है कि आपका जो account था कौन से bank से जुड़ा हुआ था? जैसे मान लीजिए कि आपका जो bank है वो SBI भी हो सकता है. Punjab National Bank भी हो सकता है. या फिर Indian Bank भी हो सकता है. इस प्रकार से आपको यहाँ पर बहुत सारे bank दिए जाते हैं. जैसे Airtel Payments Bank हो सकता है. इस प्रकार सीड चली लिया पर आपने अपने अगर कुछ दिन रेट आते हैं को बताना जाता है फिर क्योंकि �แลवे से sampर बना रहा है फिर मुझी Cash's four उसके बाद में at the rate और उसके बाद में वहाँ पर कुछ डिटी दियाते हैं जो alphabet होते हैं जैसे ये भी CD ऐसे हो सकता है ठीक है तो यहाँ पर आपका जो भी UPI number है आपको यहाँ पर इसको फिल करना है UPI ID तो यहाँ पर मैं चूंपना तो यहाँ पर यहाँ पर बढ़कर रेल करके रेल कर रेल कर रेल कर रेल कर रेल कर रेल कर रेल कि आपको यहाँ पर इसको पढ़ना जाए है या फिलकिल पर यहाँ पर यहाँ पर यहाँ पर जो विस्त भी आती वाले अलगीती से आपको यहां पर विलट कर देना और सारी डेटेल्स आपको यहां पर सही सब्सक्राइब करना है किसी प्रकार को अफ़र सब्सक्राइब लिखा अगर चाहिए क्रिए नहीं करना पिछले आप यह सबसे पहले कहते मेना दो हजार चोबीश ठीक तो इस प्रकार से यहाँ पर सेलेक्ट हो चुका है उसके बाद में आप यहाँ पर नीचे देख सकते हैं कि आपको यहाँ पर आपसे आपका email id पूछा जाता है तो आप यहाँ पर अपना अपना email id फिल कर दीजिए जो भी आपका email id होगा जैसे मैं आपको यहाँ पर फिल करके दिखा देता हूं अमन ऑफिसियल यह देखिए आपको सारी चीजें आपको यहाँ पर सही चीजें भरनी है आपको किसी प्रकार की कोई गलत सीजिए नहीं बननी है उसके बाद में नीचे आप आते हैं तो आप यहाँ पर देख सकते हैं अपने यहाँ पर पूछा जाता है कि देश रजिस्ट्रेड मुबाइल नंबर आप आपका जो मोबाइल नंबर होता है आपको उसको फिल करना है तो चलिए सच्चन किया था आपका उसका इसकी सर्टिंग में साथ मैं आपको इस टाइटीगी में लेकर करें तो इसकी पर आप यहां पर स्तेल कर लेना तो चलिए जाएं वह क्लिक करता हूं और जैसे मैं आपको क्लिक करता हूं तो यह आपके गैलरी में आपको lawyers to a�िफर पर क्लिक कर देना है उसके बाद में आपको मपर कुछ चीजें तीजें आपको कहने की दोस्तों पर कुछ कहने की एक बात जैसे मान लीजिए कि आप नहीं कि अपना चैनल किया था जिस दिन किया था तो उस दिन ही कि 4 घंटे के अंदर ही आपको ये फर्म फिल करना होता है तभी आपका जो पैसा होता है वो आपको रिफंड मिलेगा | [
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1263167608292962304 | such as personal loans, 0% balance transfers, or credit card cash advances. Personal loans have been a really hot industry the past several years. You can apply, get approved, and get the funds within 24 hours. The problem of late is that they've gotten a lot harder to qualify for. If you can qualify, it's a good option. And some people are considering the cash advance option that so many credit cards offer. What are the dangers with that? Unfortunately, cash advances are one of the worst options on our list because they charge high interest rates, often about 25%. There's no grace period. Interest starts accruing immediately. And they almost always come with another upfront fee. | [
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E6Xv0qviyzs | Fact 17 problem solver Ryan Cummings shares her story and tips from the unemployment office so you are not the next victim. I begged them to send me my money back Monday, Graham, and I was told that that was not an option. Rhonda DeLue gets her unemployment benefits deposited onto a prepaid card from NetSpend, a service that she has used for 12 years. She says she became a fraud victim at 339 on June 23rd. My card was reported stolen that I did not do. And by 530, my cell phone had also been reported stolen and my number was ported to another phone. And we can only figure it's in the state of Texas. She says that someone then transferred money from her old account to a new one. We're told NetSpend recovered 1,500 of it and will be sending 5,000 back to the Unemployment Insurance Agency. Well, they bought the card for fraud, not the account. That's how she got in and opened up another account, another card in my name that she purchased at a gas station in Grand Prairie, Texas. This all happened the same day that she added a woman on Facebook who was asking people about their unemployment checks. Whenever they would respond that their money had hit, she would ask, well, was it your... bi-weekly benefits or was it back pay? That person is posting in online unemployment groups under the name Alicia Lee. You can see the different accounts here claiming to live in Michigan, Ohio, and Texas. We're blurring the picture because we cannot confirm the woman in the photo is in fact the accused suspect. But the account is asking people about their NetSpend funds and if their money has hit. You can see these posts here targeting people in Texas and Ohio. So now I'm sitting on the back burner waiting for my... money to be mailed back to the unemployment office on July 6th. In a statement to Fox 17, the prepaid card company says in part, NetSpend does not employ the individual that has been contacting our cardholders and requesting their account information. We do not email or text our customers to ask for their card number or personal information. If customers receive a call they did not request, we encourage them to hang up and call the number on the back of their card. It's been very troubling, especially... There was some other incidents that has happened at my home that we could really use that money right now. The Secret Service is already working with Michigan on fraud cases. Over the last several weeks, tens of thousands of new claims were filed that are suspected of fraud. Since March 15th, the agency has had more than 58,000 identity theft and fraud reports, more than 25,000 since June 1st. So here are a few tips from the state. If you got a notice about unemployment benefits but did not apply, report it right away. Go to michigan.gov slash uia and click on report fraud or report identity theft. Guard your social security number and do not carry the card with you. Also, don't respond to unsolicited requests for your personal information. Shred your receipts, your credit card offers, account statements, and expired cards, and review your credit report at least once a year. Tips that Rhonda advises everyone to follow. If you see somebody trolling and asking certain prepaid cards, have hit, if their deposits have hit, do not respond. Please do not respond. All I said was that my net spend card hit, that my money was deposited, and within 30 minutes, my entire world was turned upside down. The UIA says for this case, if the debit card company is aware of fraud, it can send the money back to the agency. Rhonda says she's already applied for the Bank of America card through the UIA. The agency, though, cannot return money ever if it was stolen from a debit card or a credit card. Of course, we do have a lot of tips from the UIA and the Federal Trade Commission on our website. We have posted them with this story. Just head to fox17online.com. In the newsroom, Ryan Cummings, Fox 17 News. | [
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1682055807112757248 | Let me give you two of them. First, one, the hard evidence, Mr. Goldman and everybody else, now proves that the Biden family is hopelessly corrupt and has apparently engaged in a long pattern of extortion, bribery, influence peddling, and tax fraud, and staggering abuses of power. And number two, we're highlighting here today that we now know that a growing list of the most important executive branch agencies of the Biden administration are in on it. They've also been corrupted. They've been weaponized to help cover all this up, the first family's crimes. When we summarize all this stuff, it sounds like a premise of a dystopian novel or something, but it's actually happening right now on our watch. This is not conspiracy theories. This is evidence. Our hearing today is to put a spotlight on one more of these incredible avenues, this unprecedented corruption and government cover-up. And here again, a federal court has just affirmed all that hard evidence. It proves that the White House, the Department of Justice, and the FBI, among other agencies, threatened and coerced the social media platforms to censor and suppress disfavored viewpoints and conservatives' social media posts online. | [
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JLLwTrj6EeQ | Good morning and thank you for joining us for Friday's Daily Market Outlook. Joining me today is Emily from our trading room to tell us more about recent developments. Let's hear from Emily. Gold prices steadied near three-week lows, touched in the previous session after US inflation data raised expectations that the Federal Reserve will hold far on rates next week. The UK's FTSE 100 hit its highest in six weeks after the European Central Bank signalled an end to its monetary tightening cycle. While industrial metal miners led the gains after a surge in iron ore prices, FTX received the green light to liquidate $3.6 billion in crypto assets from a US bankruptcy court in Delaware. Solana, Ethereum and Aptos are the top three altcoin holdings of the bankrupt FTX exchange. The euro-dollar pair fell 0.8% in the last session. According to the Stochastic RSI, we are in an oversold market. The Bitcoin dollar pair skyrocketed 1.4% in the last session. The RSI's positive signal is in line with the overall technical analysis. The pound-dollar pair fell 0.6% in the last session. The MACD is giving a negative signal which matches our overall technical analysis. The Aussie got a slight bump of 0.2% against the dollar in the last session. The Williams indicator is giving a positive signal. Japan's Tertiary Industry Index is showing a positive signal. The US Industrial Production Index will be released at 04.30 GMT. The Eurozone's trade balance at 09.00 GMT. The US Michigan Consumer Sentiment Index at 14.00 GMT. The US Industrial Production will be released at 13.15 GMT. Japan's CFTC JPY NC Net Positions at 20.30 GMT. The UK's CFTC GBP NC Net Positions at 20.30 GMT. We hope that you've enjoyed our Friday Market Outlook. On behalf of all of us here, we wish you a productive trading day. | [
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1719492485271969900 | a government watchdog says. The US government accountability office posted a complaint about a cryptocurrency-related bulletin from the country's main securities regulator. Check us out on newme.com to earn some newme tokens. Power to the people. | [
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uRNCEkcWdHU | That's exactly what we're saying here. And you know, millions of people have turned to this app based banking system. And one of the big names out there is Chime. It is so easy to sign up. Takes just minutes. And that's part of the appeal. But let this Griffin woman and Fox 5 Atlanta viewer tell you how she's been asking for months for her $14,000 to be returned to her. The end of September, October, November. I was stressed. Just stressed. Not sleeping stressed. Not half eating stressed. It was September last year when Marla Jones got a puzzling message from Chime, a technology company that offers banking services. Her account was on hold. Chime had detected unusual activity on her account. The first few months, everything was fine. Which is why when they I received the email saying that they was going to put my account on hold. I wasn't alarmed. But that didn't last long. Chime closed her account and kept her money. She had no access to her $14,000 and she couldn't pay her bills. I've had to do borrow money from family members. And nobody wants to do that. She filed a complaint with a federal oversight group. She told them what she told us. She can't get a refund on her closed account. It's a familiar story. The Consumer Financial Protection Bureau has logged more than a thousand complaints in a short period of time about Chime. The Better Business Bureau has issued an alert. It says many customers claim they are having their accounts closed, no access to their money, even after providing requested information. In an email, Chime wrote the Fox 5i team that Ms. Jones hadn't answered an outstanding request for more information. They told me that I needed to provide a photo of me holding my gun. Government issued ID. They told me that I needed to provide a explanation of the activity in my account. She said she sent this picture. This email shows she told them she had a big influx of cash to her Chime account because she was moving it from another account. She asked for her money to be returned in January. Again in February. Nothing. I've done everything I've been asked. Give me my money. Soon after the Fox 5i team had their accounts closed, Ms. Jones had to apply for a free credit. She's been asked to pay the financial aid she provided that she wanted to give to her. She was not a member of the Fox 5i team. She's been in a relationship with the Fox 5i team for quite some time. She's been in love with the Fox 5i team. She's been in love with the Fox 5i team for quite some time. She's been in love with the Fox 5i team for quite some time. She's been in love with the Fox 5i team for quite some time. She's been team reached out to Chime. Her nearly 10-month-old case was resolved. They wrote that we resolved the matter and the member has full access to their account. More than $14,000 was returned to her. Here are a few things she's learned. Chime, where banking that's got your back, is not actually a bank. It's a financial technology company that works with banks. Chime and other app-based companies are called neobanks or fintech. Marla Jones says this new stuff might not be right for her. She's moving her money again. I'm thinking about putting my money up under my mattress. She's joking, of course, but she is going back to old-fashioned banking. I'll stay local when it comes to banking. I'll definitely stay local. Now, if you are app-based banking and you're going to stick with that method, which Millie? Millions of people will. Make sure you save your emails and documents in case you need them later and not just within the app, but outside on your desktop. So if you're locked out, you have access to these. And make sure that the company you're dealing with has your latest contact information. If you switch email addresses, make sure they know that in case they need to contact you. Portia? Well, Dana, the thing is, millions of people really are using these kinds of banking applications. So I think that's one of the things that's really important. This has got to be something you've got to watch out for. Yeah. Yeah. Well, you know, there's a banking consulting company that says Chime and many others, you know, increased their customer base during the pandemic, which meant a lot of large checks from the federal government were coming into these accounts, and these are setting off flags. Get that. Chime said, you know, they need to make sure these things aren't fraudulent. But locking down an account with your life savings for 10 months is an altogether different scenario. Yes, indeed. All right. Good information. Thank you so much, Dana. | [
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KGJbauNJ_zU | 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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1680957081162055682 | People are not buying this net zero claptrap. I'm going to say it's that because I say this as an environmentalist. I care about the planet. Most people do. But these net zero solutions are causing huge damage for businesses and also households. And fundamentally, it's not going to solve the problem. The main issue, if you want to talk about climate change, is what's going on in China and their emissions. But what they're doing is they're coming up with solutions to the British government that is, at the moment, in a cost-of-living crisis, there are other forms of taxation making a lot of problems even worse. Yeah, I mean, it's almost as if Sunak, if you asked him to sort of sit down and come up with a master plan of how best to lose the next election, that he's putting it into practice. I mean, this is like, as I say, it's a textbook lesson in how to lose an election. The first thing you have to worry about if you're a prime minister is the pound in people's pockets. Can they afford to get by? I always say the key to political success is if the people can afford a roof over their heads, can afford to feed their kids, run a car, and go to Spain once a year on holiday, they'll vote you in. Sunak is a long way from delivering almost any of that. That's why he'll fail, because he doesn't understand personal finances. Yeah, he's so far removed from it. It's a gilded lifestyle. You're right in your summary there. Spot on. What the government has to focus on in serving the people is the bare essentials, the bare necessities, and that largely comes down to the economy. It comes down to, you know, there's other aspects in terms of good public services that connect to that, but if you have a tanking economy, and this particular economic crisis is a bit different to the other ones because it is connected to, as I said before, the bare essentials to do with energy and to do with food. And when you level extra taxation in a difficult time, in particular nonsense stuff like net zero, which no one's really buying, then people are going to be rightly miffed about this. And I agree with you. It's like if you had a sort of summary about how do I chuck away the next election? Oh, I know. I'll come up with stupid net zero solutions and patronise the British public in difficult times. Yeah, and make promises that I just don't keep. | [
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1705823729278968009 | Please go and ask any businessman in India what happens to them if they support an opposition party. If they were to write a cheque for any opposition party, ask them what happens to them. Right, so we are facing a financial attack, we are facing a media attack. And we are doing pretty well. We have banded together. We are, I have not seen the opposition working like this before. Where we can sit down on the table and we can say look, we don't quite agree with you on that. And they can say well you know we don't agree with you on that. And we will say okay so what about this compromise solution. And they are like absolutely, this works for all of us. Right. So there is a great deal of flexibility and I must tell you, I am, I am not a big fan of this. I am very impressed with the flexibility that all the opposition parties are showing. Because we understand what is at stake here. What we are not fighting now a political party. Right, we are fighting the Indian state. And we are fighting to defend the idea of India and that is why we have given our name India. Sir, what's your opinion? | [
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FrqmBIx7Iw0 | 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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I2KskfblkNKi5n8a | 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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1542162159559385093 | And let's just say that we are in financial ruin. We have problems, yes. But let's just say that we were in financial ruin. Mr Speaker, if we were, I would expect the opposition to be the first people, if that's what they believe, to come to this Parliament and to vote in favour of any measures that increase revenue. Surely, surely you should be supporting any measure that increases more money because we're in financial ruin. But no. The Leader of the Petition yesterday complained about the increase in the prescription charge from £2.50 to £5. For goodness sake, it's £9.60 in the United Kingdom. Hasn't been touched in years. £2.50 to £5. We're in financial ruin. But he complains. It's not credible. It's just not credible. | [
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TEW0IJDq4aQ | That's awesome, bro! Just ensure that you have an excellent credit score so you get very low interest rates. That's the problem, bro. I don't have a credit card and I'm too scared to get one. Is there like an easier way? I wish there was, man. But you do this instead, no? Get a credit card against the fixed deposit. What's the benefit of that? So if you miss your payment, the bank will use the fixed deposit to recover it. So you can never default and the credit score always keeps increasing. Also, FD is anyway growing at only 5%. So it's better to pay from that rather than paying the 40% credit card interest rate. Bro, how do you know all of this? You have to form a man, bro. Finance with Sharon. | [
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Y1O5VAQ1n08 | to be talking about the best starter cards for people who are just getting into either credit cards or they're just getting into points and miles. So a couple of key things that I keep in mind when I'm looking for starter cards. Number one is I want a card that is going to be easy to get approved for. So in my mind there's a lot of different types of cards. There's cards with very high annual fees, there's cards that are specifically for hotels or for airlines, and when you're actually getting approved for these cards, there's something on the back end of the bank and they kind of decide this is what is a low tier card, this is a high tier card. So the one big consideration that I like to recommend is I like to recommend cards in which people are actually going to get approved for. So all three of these cards that I'm going to talk about today, they're what I would call low tier cards. They're very easy even if you have no or very little credit history, they're very easy to get approved for. The second thing that's really important to me is having a card that has no annual fee. When you're starting off, you don't know if you're really going to go full bore into credit cards or travel hacking, so you want cards that you can get and that you can keep forever. Because if you keep the card forever, it's going to have a positive impact on your credit history. What you don't want to be doing is you're going to have to go full bore. to make your credit history shorter and shorter. So cards with no annual fee, that's a big win in my book. The final thing is either the ability to use whatever rewards you're gaining. So if that's cash back, the ability to get a lot of value from every time that you swipe your card, you're getting some kind of value back. Because the thing that I hate seeing the most is people who are... They're using their debit card or they're paying with cash for everything and then they're not earning points over time. So all three of these cards are very, very good for those reasons. The fourth and final thing is I like to recommend cards that have a 0% interest rate, a 0% APR for your first year of card membership. The reason that this is important is because when you're just starting out with credit cards, you're liable to make a mistake. Sometimes you might forget to pay your bill or something along those lines. to pay either interest or fees on your credit card, which in my mind is also a very big win. So with that being said, let's just jump into the first three cards. Obviously the number one on the list is probably going to be the Chase Freedom. This is a very simple, a very easy to use card, and it currently has a signup bonus of $150. Now for a card with no annual fee, that's pretty amazing to think that you're going to get $150 cash that you can use and spend on whatever you want. But the cool thing is that it's going to earn 1% on everything, and then it's going to have rotating 5% categories. Right? So every three months they're going to rotate to a new category and you're going to be able to earn 5% cash back on those categories. So in the wintertime around the holidays, it's usually you're going to get 5% back on online shopping and then sometimes amazon.com. Okay. It really just changes, but they're quite valuable. Aside from that, obviously the Chase Freedom has no annual fee and like I talk about in some of my future videos, there's actually some ability to transfer those points out to different airlines and hotels once you have a card like the Chase Sapphire Preferred or the Chase Sapphire Reserve. Now the other two cards that I'm going to recommend, they're both from Discover. So the Discover It card is exactly the same. The only difference is that it's a Discover card. So if you're inside of the United States, Discover is accepted pretty much everywhere. I would say it's an identical card to the Chase Freedom. The only big difference, well first, one big difference is that the signup bonus for the Discover It is smaller than what it is on the Chase Freedom. The most I've ever seen the Discover It offer is $50 as a cashback. That being said, a lot of people don't talk about this and a lot of people don't know is that during your first year of card membership, your first 12 months, Discover will actually double your cashback bonus. So if you think with the Chase Freedom, you're going to earn 1% on everything and then 5% on those rotating categories, for your first year of having the Discover It card, you're actually going to earn 2% on everything and then 10% back on those rotating 5% categories. a cashback bonus, that also gets doubled. So just keep that in mind. I would almost go as far to say that if you're comparing apples to apples, the Discover It card to the Chase Freedom, that the Discover It card, if the signup bonus is factored out, that the Discover It card is actually a better card for beginners, only because you're going to have that cashback bonus doubled. So that's why I would recommend looking at the Discover It miles card. Just like the other two cards, it doesn't have any annual fee. But what I really like about this one is that it earns 1.5 miles on everything, right? So it doesn't matter if you're buying yourself a card or not, it's just going to be a bonus It doesn't matter. You're going to earn 1.5 points per dollar spent on that Discover It miles card. But just like with the Discover It card, the Discover It miles, it's going to have everything during your first year of card membership is going to be doubled. So effectively you're going to be earning three miles per dollar spent on everything that you buy. One last really important thing that I love to talk about. What the Discover It miles card is that they actually give you completely for free every year, a $30 in-flight wifi credit. So if you've ever been on the plane and you see those really expensive wifi packages, you're just like, man, I really want to post on Instagram right now, or I want to respond to some emails. You can actually spend $30 a year and have it reimbursed from Discover It when you purchase on the miles card. So if you really think about it, you have a $0 annual fee, you're getting a $50 sign up bonus. You're getting a $30 wifi credit every single year. It's kind of a no brainer. It's a great card to get. So if you found that video to be helpful, please give me a thumbs up. And then if you have any questions, feel free to comment down below. Be more than happy to answer those. And then also subscribe to this channel for more helpful videos into the future. Thanks so much and have an awesome day. | [
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6Nd4gKDB_pul5Ae_ | 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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4L9PHjVkkf1XrVcd | हिसाब से लगभग चार लाख ऐसे मंतली फिनेंशल ट्रांजेक्शन होते हैं जो ऑनलाइन किया जाते हैं और इन चार एक मंतली ऑनलाइन ट्रांजेक्शन में से 50 परसेंट ट्रांजेक्शन में फ्रॉड होता है जो यूपीआई आईडी के थ्रू की रहते हैं तो इस सवाल का सबसे इंपोर्टेंट रीजन है चार्ज बैक पॉलिसी इस चार्ज बैक पॉलिसी के चलते अगर आपने्य अकाउंट से किसी दूसरे इंडिविज़ियल के अकाउंट में किजी प्राधा क्या और अगर वह आपके इस ऑनलाइन पॉलिसी के अकाउंड में गए उसे वापस बुलाने की पॉलिसी को कहा जाता है चार्ज बैक ग hilft के इंडियन बैंक प्रॉबरली प्रश्न प्रश्न | [
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1652180722814185474 | 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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5_ITQcU9bVo | What is a HELOC? Is HELOC a good way to consolidate your high interest rate debt like credit cards and personal loans? Is HELOC a good tool to renovate your home, fund your retirement, or pay for living expenses? Am I going to use HELOC for my financial independence journey? Let me first briefly explain what a HELOC is. A HELOC is essentially allowing homeowners to use their homes as collateral to tap into the equity of their homes. How much you can borrow depends entirely on the value of your home. If you have equity in your home, HELOC is the way to withdraw funds over an extended period of time without ever selling a home. You can even get a HELOC for your investment property, but it comes with stricter lender requirements and higher interest rates. And make sure you don't confuse a home equity loan with a HELOC. A home equity loan is when you borrow the full lump sum you're approved for all at once from the equity of your home, and you need to pay back both principal and interest within 5-30 years. Most lenders will let you borrow up to 80 or 85% of your home's equity. So if your home is worth $400,000 and you owe $300,000, then your equity is $100,000, right? Then the lender might let you borrow up to $80,000 or $85,000, and you can use that money to pay back your loan. A HELOC, on the other hand, is a revolving credit line, so you can take a portion of the equity out of the home value and make interest-only payments during the draw period, typically between 5 and 10 years. You will need to repay the interest every single month. And once your draw period expires after 5 or 10 years, or whatever the agreement is between you and the lender, your HELOC transitions into the repayment period. and your monthly payments will no longer be interest-only payments, but will include both principal and interest. And if you have a zero balance on your HELOC by the time you enter the repayment period, your account will typically close automatically. And however, if you do have a balance on your HELOC, it's important to keep track of your draw period so you can be ready to repay the principal and interest during the repayment period. And that's the most important thing. while the repayment period lasts anywhere between 10 and 20 years. Now, let me give you some examples of a HELOC. If I'm looking to apply for a HELOC, I want to ask or look for answers to the following questions. Does this HELOC offer a fixed rate option on an outstanding balance during the repayment period, or is it just a variable rate? Or is there a cap on the interest rate? Being able to fix the rate going into the repayment period could help you save some money on your loan. Can you convert some or all of the variable rate HELOC to a fixed rate loan without a fee? What is the initial draw amount? Is there a minimum draw amount? Do you get a discount on the interest rate with the lender if you open other products like a checking or savings account? I know some banks do. How long is the draw period? And what are the options for the repayment period? It's typically a 5, 10, or 20-year repayment term. What is the maximum line of credit the lender allows you to have? Remember that HELOC is like a credit card. So you need to know what the annual fee is during both the draw and repayment periods. Some banks waive the initial annual fees. What are the closing costs, if any? What are the penalties if you decide to close your HELOC early? Do you have the option to refinance? Before I get into some more examples, don't forget that you can get our financial independence resources for free by visiting FiresideChat.com contact. You can also check out the FiresideChat shop, if you're looking to start your own YouTube channel. And I have all of my equipment at FiresideChat.com shopping. So let's say I have a house that's worth $400,000 and I use my home as collateral to open a HELOC, but only up to 50% of my home's value minus what I owe on my mortgage. And I'll just say I owe $200,000 on my mortgage to make it easier. With $200,000 in equity in my home, 50% of that equity will be $100,000. I'm going to keep the loan to value right. I'll just put in the ratio to 50% to make things easier here. My line of credit will be $100,000 with a 7 or 8% variable interest rate. Assuming my credit score is in the excellent category at 760 or higher, and due to the current federal funds target rate of 3% in 2022, or I think it's 4% actually, I'm sorry. The typical term comes with 10 years for the draw period followed by 20 years of the repayment period. If I decide to make an initial withdrawal of $10,000 and an account opening, I would probably owe anywhere around $100 or $120 a month in interest payments for 10 years during the draw period, which also includes the annual fee for my HELOC. Again, keep in mind that the $100 a month in payment is not fixed, so the payment could fluctuate based on the prime rate. What you also need to keep in mind before opening a HELOC is that you need to treat this like your credit card. When you carry a balance month over month, you're going to owe interest on it. HELOCs are generally variable rate products, so that means your interest rates could fluctuate based on the prime rate. So the interest rates in 2022, for example, have been increasing due to the strict monetary policy by the Federal Reserve. And during the draw period, your HELOC will follow the prime rate. And it could be 5% today, 6% next month, or even 7% next year. So you could be paying more or less in interest month over month, depending on the Fed, but the general rule of thumb is the Federal Funds target rate plus 3%. So if the Fed Funds rate is 3%, then the prime rate will be around 6% or even 7%. Now let's talk about the pros and cons of getting a HELOC. And you have to keep in mind that how you use your HELOC can have both positive and negative effects on your credit score. If you have a HELOC, you should always make your payments on time, period. And this concept applies to all other types of loans or debts or even your bills. First, you can withdraw your funds with a high credit limit while making interest-only payments during the draw period for typically 10 years. You can withdraw money to pay down high interest debts or debts that are in collection. You have to keep in mind that a HELOC should not be your ultimate escape plan from debt because you're essentially using your other debt to pay off your debt. Your ultimate goal should be staying debt-free to achieve your financial independence. However, if you have outstanding credit card debt, medical bills, or payday loans, you should be very careful with how much you're willing to leverage your house to pay off these other debts. If you have $20,000 in outstanding debt, you should only take out that amount and have the ability to pay it off within a year or two, hopefully a year. Second, you only make payments on interest during the draw period. However, you have to keep an eye on the Fed because the interest rates are variable. If you already have a HELOC and you're close to going into the repayment period, contact your lender to find out if you have the Fed interest rates. Before you take money out of your HELOC, you need to have the plan to pay the balance in full. You should never bite more than you can chew. Third, while it's nice to make interest-only payments during the draw period, you need to be ready for the repayment period if you plan to have an outstanding balance. If I have, let's say, $100,000 in the outstanding balance on my HELOC going into the repayment period with an 8% variable interest rate, my monthly payment could be $800,000. Or $900 a month. And that could be devastating if I'm in a lower-income household. Anytime you take out a loan or withdraw funds from your HELOC, you should never feel comfortable with it. You need to have the plan to pay down the debt. Fourth, every HELOC comes with annual maintenance fees, transaction fees, and other management expenses. That's how banks make their profits. You would still need to pay fees for inactivity if you go too long without withdrawing any money. On top of that, some lenders even charge you for closing your HELOC too quickly after opening it. They may charge your closing costs because when you close the account, they're losing their profits. What happens if you miss your payments? Your lender could foreclose on your house to repay the debt because they basically own your house now. What happens if your home value goes down by 10, 20, or 30%? Your lender could freeze or reduce your credit line if your property value drops. That's already happening in 2022 and most likely going into 2023. Again, you have to remember that you are leveraging your house to borrow more money. Am I ever going to need a HELOC to renovate my home or fund my retirement? Absolutely not. People on the FIRE journey don't leverage their homes to pay for something they want. The only line of credit I would even consider using is the Security Space Lines of Credit or SBLOC. Or S-Block. Or S-Block. Which leverages my investment portfolio when my net worth is $5 million or $10 million or more. That's more of a tax-saving strategy that many multi-millionaires and billionaires use. You can watch this video about the SBLOC and I'll put the link in the description below. I use my FIRE checklist to invest for my long-term retirement, early retirement, travel, entertainment, and home renovation. Nowhere on the FIRE checklist does it say I'm using my HELOC to fund my early retirement or build generational wealth. I have been debt-free since 2016, except for my mortgage. I plan to keep it that way for the rest of my life. I never took out a HELOC to pay down my debt. As a financial coach, I have comprehensive tools and strategies that can help you pay down debt without taking out any additional debt. If you need help with your personal finances, you can schedule a free 1-on-1 20-minute financial coaching session by visiting FIRE.com.coaching. If you want to know more about how I invest, I have a free 1-on-1 20-minute financial coaching session by visiting FIRE.com.coaching. I found FIRE not easy but it's a smart tool! It works for you. Actually already It's super cheap! Now it's too expensive. | [
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C6KXGrDd9OY | Never follow the crowd. Just because everybody else is going to college, getting in debt, trying to get a high-paying job, doesn't mean you need to do that. It's okay to be cheap. I was cheap for a couple years and I was able to save up enough money to buy some investments that let me leave my job. Most people work for money, but the rich understand how to make money work for them. If you don't want to trade time for money for the rest of your life, figure out how to make money work for you. Lower your big three. That's housing, transportation, and food. Figure out a way to cut those down as small as possible and you will save a ton of money that can change your life. Take risks while you're young. Trust me, going to zero at 21 as opposed to 41 is way better. The goal isn't to have more money. It is to have more freedom. Don't forget to like and subscribe for more. | [
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4vOcF1aknFnBfeHt | वीडियो को आप एंड तक देखते रहें चैनल पर अगर आप नए हैं तो सब्सक्राइब करके बैल आइकन को प्रिस करें पंजाब नेशनल बैंक में आर्डी अकाउंट बुक करने के लिए हम पी एंबी वन एप का यूज करेंगे आपने अभी तक ये एप रजिस्टर नही किया है तो गूगल प्ले स्टोर पर आपको एप मिल जाएगा आप पहले इसका रजिस्टरेशन कर लिजिए फिर आप जैसे ही एंपिन एंटर करके लोगिन करेंगे तो आपके सामने पी एंबी बैंक का होम इंटरफेस आएगा आप देख सकते हैं हमारा सेविंग अकाउं ओपन एप डी आग्री का ऑप्शन मिल जाएगा इस पर आपको एक बार क्लिक करना है यहां पर दोस्तों अकाउंट एंड सर्विसेस देखने को यहाँ पर शो करेगा, monthly deposit amount, आप monthly deposit कितना करना चाते है, RD account में आप monthly कितना save करना चाते है, कितना invest करना चाते है, वो amount आपको यहाँ पर enter करना है, for example मैं यहाँ पर 1000 रुपीज enter करता हूँ, example के लिए आपको बता रहा हूँ, आप ज़्यादा amount की RD book करना चाते हैं, तो वो भी कर सकते हैं, फिर दुस्तों आपको अपना tenure select करना होगा, tenure आप select कर सकते हैं, maximum आप यहाँ पर 10 year तक का tenure select कर सकते हैं, मैं यहाँ पर 1 साल का tenure select करता हूँ, and यहाँ पर 6 month का भी एक tenure ले लेता हूँ, फिर मैं ओके पर click करता हूँ, आप चाहे तो यहाँ पर show maturity पर click भी कर सकते हैं, कि आपका maturity amount कितना होने वाला है, वो पहले से आप यहाँ पर देख सकते हैं, फिर दोस्तों आपको यहाँ पर account opening date देखने को मिलेगा, आप कौन सी date को already open कर रहे हैं, auto debit आपको yes पर click करना है, monthly installment deduction date, आप जिस date को already open कर रहे हैं, वो date यहाँ पर mentioned रहेगी, और हर महिने की इसी तारिक को आपके saving account से, पैसा debit होके, आपके rd account में automatically deposit होता रहेगा, तो आप चाहे तो इस date को change भी कर सकते हैं, आगे आपको एक options मिलेगा, अपनी मन चाही date आप यहाँ पर select कर सकते हैं, फिर उस date को आपका amount है, वो debit होता रहेगा, और rd के account में deposit होगा, nomination आपको यहाँ पर yes पर click करना है, आपके account में जो भी nominee है, वो यहाँ पर automatically आजाएगा, मैं यहाँ पर yes पर click कर लेता हूँ, उसके बाद आपको view summary पर click करना है, दोस्तो जैसे आप view summary पर click करते हैं, तो आपके सामने एक नया page open हो जाएगा, confirm below detail to open recurring deposit, account opening date यहाँ पर आएगी, deposit amount हमारा 1000 है, आप देख सकते हैं, और tenure मैंने select किया है, 1 year 6 month का, auto debit यह से, monthly installment date हमारा 25 of every month है, interest rate में दिया जा रहा है 6.80% का, जो कि कापी बढ़िया है, without किसी risk के आपका पैसा deposit भी हो रहा है, save भी हो रहा है, and आपको यहाँ पर interest भी मिल रहा है, आपके maturity amount भी यहाँ पर बताया जाएगा, उसके बाद में आपको confirm पर click करना है, अपने transaction pin एंटर करेंगे, तो फिर आपके सामने इस तरह का page आ जाएगा, हमारा successfully RD account ओपन हो चुका है, अपने RD के number यहाँ पर आ जाएगे, account opening date आ जाएगा, deposit amount आ जाएगा, tenure आ जाएगा, auto debit यह से, monthly installment कब debit होगा, and maturity amount यहाँ पर show करेगा, आप देख सकते हैं, यहाँ पर deposit 1 हमारा RD account यहाँ पर show हो चुका है, RD account show हो चुका है, और हमने जो RD के लिए amount book किया है, वो भी यहाँ पर बता रहा है, आप अपने transaction को भी in future track कर पाएंगे, और इसी process को आपको follow करना है, जब भी आपको RD account ओपन करना है, पिन बी 1 app के माध्यम से, आप घर बैटे, पंजाब नेशनल बैंक में recurring deposit, RD account है, वो ओपन कर सकते हैं, book कर सकते हैं, same to same process आपको follow करना है, अगर आपका कोई भी confusion है, कोई भी doubt है, तो आप वीडियो के down में comment किजिए, और हाँ दोस्तो आपने जो भी deduction date select किया है, उस date से पहले आपको अपने saving account में पैसा रखना है, जो कि आपके RD account का है, क्योंकि वो automatically debit होने वाला है, और आपके recurring account में deposit हो जाएगा, I hope ये information आपके लिए बैतर रही होगी, वीडियो अगर आपको अच्छा लगा हो तो एक like कर लिजे, share किजिए अपने दोस्तों के साथ में, और हमारे channel credit shati को आप subscribe किजिए, ताकि आपको ऐसे ही वीडियो की information सबसे पहले मिले, | [
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9MA_8f2Hpc8 | And today I wanted to talk to you a little bit about safety deposit boxes and whether or not you should use one. So it's a question that we get a lot, especially from people who buy bullion. But also, if you have just family heirlooms that you want to hold on to, you know, whether or not you should buy or rent rather a safety deposit box at a bank. And there are I don't know that there's really a right answer to this, but I will say that there are things that you should really consider to both sides. One, of course, is, well, if you don't use a safety deposit box, where do you put your stuff? Well, that that in and of itself is an entire entire show. But, you know, generally speaking, if you are smart about your assets and you have trustworthy people in your lives, you should be OK in general. Now, I know a lot of people don't live someplace that's as safe as others, or maybe you don't have family that you can trust. So there's that. But as far as keeping them in a safety deposit box, keeping your valuables and collectibles. Here's some of the pros for keeping them in the safety deposit box. They're very secure. I mean, really, if you look. Yeah, all of the safety deposit. Boxes all over America. And you look at if they've been robbed successfully at all, you'll find that they actually have a very nice long track record of being safe. This is definitely a good thing. If you're doing estate planning, there is a certain amount of convenience to having in the location that is known by the family. And there's also secure away from their reach until such a time as, you know, you really want them. And you know, you're not going to have access to it. So it acts kind of like a third party to have that there. Of course, there is a downside. Also, one is that you don't have access to it 24 seven. You only have access during banking hours. The other one, and this is probably to me the biggest one, and there's the biggest misconception is that the banks do not have any liability for your goods that are that are held inside the bank vault. You know, I have. I had a customer who had a safety deposit box and he opened it up one day and there was standing water in his safety deposit box and the bank's reaction was. Sorry. That's it. I mean, they had nothing else to say, so they were not liable at all. And he had collector coins in there and they weren't slabbed. They were, you know, he had albums and so everything was getting wet and it was really a bad deal. Something else to consider. Is possibly the unseen. And to me, there's always been a little bit of an X factor with having your stuff out of your possession. And that is to say, I just spoke to somebody who was going through the whole COVID pandemic situation with their bank. And some of you may want to try this. If you haven't, a lot of banks have gone to buy appointment only. And he wanted to access his his metals and he couldn't. They said, oh, yeah, it's by appointment. And you can come in seven days from today. Well, seven days from today isn't going to work if you're trying to do a transaction today. You know, and so this is something that having it out of your control is something to consider when you're looking at a safety deposit box. So all in all, you know, whether or not you use one, there's a lot of X factors. There's no knowing necessarily that there's just a right answer. You have to consider the other. Side of things, if you don't have a safety deposit box. But I just wanted to focus on safety deposit box, a few pros and cons. And there is some something to be said on both sides of it. So leave your comments down below and let me know what you think, whether or not it's safe to use a safety deposit box or not. I'm Ben the Coin Geek. And you can subscribe by clicking on the button in the corner and watch more videos on the right side of the screen. Thanks. | [
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7FIZ3gi5KR4 | 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. 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. 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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gAUzyo_fFsw | 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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O9WsHE2uFCE-ah7X | 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। | [
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CLuP_lcNfHRnkM-t | ट्रांजेक्शन करवा लिया जाते हैं कुछ लालच देकर उस प्रकार की इस्तिती में क्या करें उसके लिए एक बड़ी अच्छी तातकालिक व्यवस्ता है जो बहुत कम लोगों को भी मालूम है इसमें MHA ने एक नंबर जारी किया है ये नंबर मैं आपको कई बार दो या तीन बार रिपीट करूँगा ये नंबर है 155260 ये नंबर को note down करके रखिये कभी भी किसी भी कारणवश अगर कोई fraud होता है आपके साथ तो ततकाल इस नंबर पर फोन लगाईए उस registered number से जो registered number banking में banking के transaction के लिए आपने registered किया हुआ है उस नंबर से आप फोन लगाएंगे तभी काम हो पाएगा ये आव mobile number है या जो भी आपका phone number है जो banking के transaction के लिए किसी प्रगार के banking transaction के लिए registered है उस number से आप ये 155260 नंबर पर फोन लगाईए आप फोन लगाएंगे तो ये अभी MP और 36 गड के लिए कारे कर रहा है आपसे बच्चे पूछा जाएगा जब MP का आप बताएंगे तो आपसे कु पॉलेट जिससे पैसे जिसमें पैसे आज जिससे कटे है जिसमें गया है आधी इत्यादी वह जानकारी आप बता सकते हैं पिन वगैरह आप बिल्कुल मत बताइए क्योंकि इस तरह के नंबर का कोई दूसरा जहां से देकर आपसे पिन वगैरह भी पूछ सकता है तो एक त जितने भी आए यूपीआई है जितने भी यह फाइनेंशल ट्रांजेक्शन के पोर्टल है यह सब इससे जुड़े हुए हैं तत्काल आपका मैसेज इन सभी बैंकिंग संस्थानों को चला जाता है बैंकिंग एजेंसीज को चला जाता है क्योंकि जब फ्रॉड होता है एक रूट में कहीं भी रुक जाएगा अगर माली जे एक बैंक से चल दिया है दूसरे बैंक तक जाने के लिए तो उस रूट पर रूप दिया जाएगा आपका पैसा आपको वापस आ जाएगा मैं आपकी जानकरी में रखना चाहूंगा कि इस नंबर के आने से करोड़ों र� बताएंगे तो 100% आपका पैसा वापस आने की इसमें शिवरिटी रहती है आही जाता है अगर 24 घंटे के बाद आपको पता चलता है तो भी आप इस पोर्टल पर जो की नेशनल साइबर क्राइम रिपोर्टिंग पोर्टल है इस पोर्टल पर आप अपनी एप्लिकेशन अ� कि ने बताएंगे | [
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zE_Jhoc5DXA | which is one of the premier travel credit cards out there. We'll talk about the main things you need to know about this card. We do, however, have a full review on our website, CreditCards.com. So if you're watching the video on YouTube, I will link that in the video description below and I'll link some other helpful articles as well. So if you want to dig in and learn even more about the card, check out those links. If you're on our site, you can easily navigate to find the full review from there. Let's start by discussing the rewards for this card. It earns 10 points per dollar spent on Chase dining purchases through Chase Ultimate Rewards, which essentially means that you're using your points to order food. I think that one's fine, but I'm much more excited about this next one. You earn 10 points per dollar spent on hotel stays and car rentals purchased through Ultimate Rewards and 5 points per dollar spent on air travel purchased through Ultimate Rewards. On top of that, the card earns 3 points per dollar spent on regular dining purchases and on travel purchases, though that does exclude purchases that are covered by the travel credit. So that means after you've used up your annual travel credit, then you start earning 3 points per dollar spent on dining and travel purchases. No issues there, I just wanted to mention it. And you can learn more about that annual travel credit on our website. Again, just check out the links in the video description. Additionally, the card earns 1 point per dollar spent on general purchases. So if it doesn't code as one of the categories I previously mentioned, it should have been on the travel credit. So if you've used up your annual travel credit, earn one point per dollar spent. So overall pretty good rewards, but this card is only partly about the rewards. There's a lot more to this card as there should be given its annual fee, which you can see here on the screen. One thing is that the card does usually come with the opportunity to earn a signup bonus, a pretty sizable signup bonus. I won't mention the signup bonus in this video because it changes. A lot of incentives with credit cards will change over time. And so I don't want to mention the current one as I'm filming this video, but if you want to see the current one, as you're watching this video, you can check out our website. We should have the details in our full review. On top of that, the card does come with lounge access and up to a $100 application credit for global entry or TSA pre-check. And that can be used once every four years. And for the record, you should always choose global entry because that actually includes TSA pre-check. So when you go to do this, make sure you do global entry. Now, even more, the card comes with a giant list of added perks. So if you're looking for a card that's going to be a little bit more expensive, you can go ahead and check out our full review. And if you want to see the card outside of the US, just like you would inside the US and you avoid the dreadful 3% foreign transaction fee. Honestly, there are just so many perks to this card that I can't list them in this video. If you want to see the larger list, just check out our full review. Now, one thing that I really like about this card, and this goes for other Chase credit cards as well, is that it's earned Chase Ultimate Rewards points, which are some of the most flexible and desirable points of any point system from any credit card company out there. Not only do you have a number of different redemption options from which to choose, but several of them yield a value of one cent per point, if not more. And that's something that you want to be mindful of when you're looking for a travel credit card. You want to know not only how many points you might earn, but what they convert at when you do go to redeem them. Now, if you're looking for a travel credit card, you want to know how many points you might earn, but what they convert at when you do go to redeem them. Now, if you getting a direct deposit, or getting gift cards, and there are other options as well. For instance, I know with a lot of people, when they're looking at a travel credit card, one of the things they're factoring in is that they want to store up a whole bunch of points or miles and go on a big trip. With this card, you have two different options to do that. One way to go is you can book travel through the Chase Ultimate Rewards portal, which is kind of like Chase's version of Kayak or Expedia. And if you do book travel through the Chase Ultimate Rewards portal, you can book travel through the Chase Ultimate Rewards portal. And if you do go this way, your points get a 50% boost. And the other way you can go is you can transfer your points to Chase's travel partners and book travel through their loyalty programs. And this last step is potentially how you can get the most value out of your points, but it does take the most time in terms of research and effort to maximize your value. If you want to see the current list of transfer partners for Chase, we do have that in our full review. I would say that they have one of the strongest lists of airline and hotel partners in the United States. And if you want to see the current list of transfer partners for the video. I would say my overall opinion is if you're looking for a luxury travel credit card, you should absolutely be considering this card and some other ones. We do have a full guide about the best travel credit cards on our website. You can check that out, but this is definitely in the hunt and it should get your full consideration. What's also nice is that if you get it and you end up not using it so much and you decide you're intimidated by the annual fee, or you feel like you're not getting enough value out of the card, then you should definitely consider this card. And if you're looking for a luxury travel credit card, there is the option to downgrade it to a card with a lesser annual fee as well. So you can learn all about that on creditcards.com. Thanks for watching. Hopefully I earned your thumbs up. Have a great day. Bye. | [
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