Making touch with financial advisors like Elizabeth Regina Nelson who can assist you restructure your portfolio, would be a very creative option. Personal financial management will be crucial to navigating the next difficult times
Elizabeth Regina Nelson has really set the standard for others to follow, we love her here in the Uk 🇬🇧 as she has been really helpful and changed lots of life's.
I used to live on Ramen cup of soup and jolt cola every weekend for 2 years. This was back in high school, everyday after school I worked in a dry clean from 3 until six and on Saturdays from 8 until 6. On Friday and Saturdays, I worked at a night club from 9pm until 4 am. Then on Sundays, I volunteered at my local ambulance Corp. (My mother was very big on community service- we could do what we want, but we had to give back to the community). So Friday until Sunday evening, it was Jolt to keep me running, and Ramen cup of soup because it was fast and I could eat it as I was walking from place to place. Oh how I wish I could keep up with my younger self.
I deposited in $100 in cash. The next day I went back and there was no record of the deposit. Luckily I had my receipt. The teller who obviously did not deposit the money kept looking over at me with the manager. Never saw him again...
I'm glad you had your receipt because had you not had that, you might not have gotten your money back Also if you use online banking, get REGULAR screenshots of your account, and monitor them CLOSELY NOT ALL banking apps allow screenshots, that's why you NEED ANOTHER device to take pictures of your screen for your records If you have another device, use that if you can't take screenshots because your banking app disables it If you can find an override somewhere in the software or maybe an app, you can also do that, because you NEED those SCREENSHOTS
I noticed a credit card transaction that was not legit 10 years ago. It was for $500. I called my credit card company and they reversed the transaction. But I kept on checking my account and noticed a small transaction that was not mine. I called the credit card company and the employee said that there was a note in the system that said "We are making up this transaction to compensate because we reversed an illegal transaction of $500." I said CAN YOU PLEASE REPEAT WHAT YOU JUST SAID?? And the employee said "nothing sir, no problem, I will reverse this transaction/" I said CAN YOU PLEASE REPEAT WHAT THE NOTE SAYS? and he said "Sir, don't worry, anything else I can do for you?" Be very careful because the banks and credit cards are not your friends.
Maybe and maybe not depending on what kind of people you have working there We should follow the examples of the Secret Service, because we can all learn something from them: If THEY can WEED OUT MOST people and NARROW it down to just a FEW good candidates who go on to be good workers, we can follow that example for other areas of trust and power
After I retired I needed a little income for spending money. Discretionary spending money. I lived in a small tourist town so I applied at BofA. It was the worst job I ever had. Trained with Monopoly money in a shoebox. Told I would be paired with an experienced teller at the bank when I reported. The bank tried to give me a cash box and put me on a window. I refused. They paired me with a temporary teller who told me he was just learning too. The pay was the lowest I had ever worked for. I liked the hours, 5 hours a day , sometimes two days a week, usually only one. After 6 months, I quit. I also moved my money to another bank. Our banks are run by criminals. The Fed is run by a mafia. Since 1913. It’s all a planned crime.
BOA is likely to be the first Wall Street bank to collapse. They are currently in a lawsuit for taking on a pier to pier outside payment system that customers lost money using. BOA refused to make good to the customers. They have been caught on other bigger wrongdoings only to get slapped on the wrists.
I rarely go to tellers anymore. I did last year (needed 20 dollars in quarters) and she saw my savings and had a surprised look. Since then i just use the ATM for any transactions. I was afraid these underpaid tellers might jot down account info and hand it over to friends who might steal. Yes its better to be paranoid than complacent in banking matters.
This is why this is why you should have some of your money in a different account What you can do is keep most of your money in banks you DON'T visit, even ones outside of your area Then pick a bank to keep just a small amount in, and why are only what you need from another bank Personally I'd only do this per planned transaction and don't wire all of your money at once What I personally would do is wait until all of my bills come out Then let's say this week you need to go to the laundromat.... Wire only what you absolutely need from the further away account to the closer one, and then go get it and do your laundry Let's say next week you need to pay someone for something you bought privately.... That next week , wire only what you need for that particular purpose so you don't have NOTHING extra in that account So the idea is to keep small amounts in the bank you'll visit in person, even l rarely Just pick a close enough bank, and only keep a SMALL amount of money in there There's a little trick you can use if your account sits idle, you can keep it open by scheduling an annual transfer every year for the lowest amount possible Keep the minimum amount in BOTH checking AND savings.... Every year they'll ping each other to stay open, as long as you leave the annual auto transfer in place If you ever start using that account again, you'll just have to reset your debit card password if you want to use the ATM If not, don't worry about your password, just resume right where you left off I'll tell you another secret, you never know when you may find friends in the industry, that's when you'll periodically be able to learn all the perks they may have for their customers When I had a friend who was the manager, I always knew of upcoming customer appreciation days I always looked forward to coming in and seeing those I knew at the branch, and I even enjoyed the refreshments, especially when one of my friends made the punch Sometimes I met new people through that friend, it was great and we had fun She since moved on and left the branch, I just hope she's well along with everyone else who also eventually left and moved on
@selah4719 I don't know about that , ATMs are supposed to be secure as long as you're smart about it I'm successfully used ATMs off and on over the years with absolutely NO problem WHATSOEVER, so what's the REAL problem? I've had friends in the industry, and no one EVER bothers me if I ever use the ATM That's because I MAKE SURE I go when NO ONE'S nearby Plus, I'm NOT someone ANYONE wants to mess with.... When you use the ATM, just MAKE SURE you WAIT UNTIL your transaction has COMPLETELY CLOSED BEFORE leaving When taking your receipt and waiting for your card to be returned, put away your cash as soon as you pick it up while you're still in front of the camera When you get your card and receipt, also put that away while you're in front of the camera That way, in case something does happen, it'll ALL be on video unless someone tampers with the video or that video recorder doesn't keep recordings beyond a certain point They should be able to keep recordings overnight though, so do everything possible to stay in front of that camera until you put away your cash, card and receipt If you come on a bike, keep your bike right there beside you because the idea is to hop and roll quickly away from the ATM as soon as you CAN The idea of leaving quickly is so that you don't send off no unintended signals of tampering or loitering Hopping your bike is much quicker than getting into a car, shutting the door, belting up, starting the engine, backing out and driving away A bike is nothing more than hop and roll, so keep it right there WITH you for quick and easy convenience The idea is to come and go quickly, as fast as the machine will let you move through a transaction from start to finish Sometimes I DON'T really like using the ATM because they're JUST TOO SLOW Although I do like the lovely lights on some of them, I really don't like how slow some of them might go when I try to do a transaction It's much easier to do everything online then it is to try to do it at an ATM I can go INDEFINITELY WITHOUT EVER carrying a dime, because I went DIGITAL YEARS ago When I say I went digital years ago, what I really mean is I do my stuff online so I DON'T need to carry cash (UNLESS I'm paying someone for something I bought from them) Other than that, no one will ever find a dime on me One time I even had a situation come up where I was paying my housing cost for the month, and I was about $11 short and didn't even know that there was an adjustment in the cost.... So I guess I didn't get the letter and I got a call.... So what happened is the person THOUGHT I had cash at home, but I had to explain to them I don't even have pocket change because I keep it ALL in the bank, and absolutely NOTHING at home So within a matter of days, the person got their money When I sent it through the site, no more was ever said I hope my experience helps, because I guarantee I can use the services with absolutely no problems WHATSOEVER If you hit a snag somewhere, you have the power to FIX it FAST, because you MUST MOVE FAST
Data protection needs to get better. Maybe an immediate financial incentive to protect customers data. Like damages immediately paid to customer on top of any lawsuit for the cost to fix the customers credit. Since theirs always a prolonged lawsuit where it takes 3 or 5 years to get a judgment. They should have to pay penalties to the customer immediately and not anything poultry. Make it like 2k per customer per breach. And if money is stolen because of crappy banking practices or the failure of a companies app or service 2k per transaction damages minimum and an additional 2k damages for every 5000 stolen. Then see how many data breaches happen I bet they lock those databases down so quick it would make your head spin.
Going along with what you said about online statements, people need to watch when they go to an ATM. Many ATMs, certain ones, display a full-page statement of your account after the transaction. If the customer does not wait and remove that statement, that information is there for someone to read, at least for a short time. And people often leave their paper receipts in the machine or on the ground, as well. That information could be converted into profits for the bad guys.
I guess this is something I really don't understand, how the crooks can use your receipts and bank statements for profit unless they plan on going in and stealing from you 🤔😳
Thanks, Dan. Another good video that I enjoyed. A few months ago, my bank initiated a conversation with me and advised me to change my bank card. It had become obvious to them that someone else, in another state, had somehow obtained my personal banking info and was using it for (large) purchases that I had Not authorized!! I thank God for my local branch who was on their toes, regarding this!!! I don't know if This will have anything to do wuth what I just mentioned or not, but occasionally, I will get a text message in regard to some outrageous toll bill that I have "run up"!! Realistically, I am: (primarily) a stay-at-home housewife who rarely leaves my home premises--partly due to my car being impaired. I think it's a scam about the toll charges! Anyways, have a very Happy New Year, everybody!!
Yes, the texts about your toll account is a common scam. Don’t click on anything or give any information. If you have a toll account online, then check it for unusual activity but never interact with the toll texts. Be safe! 😊
I should. I have two separate banks. Move large sums from one to another that way only have two outgoing transactions monthly from my bigger account, and the other one has small balance so easier to monitor. Does that make sense? 😂
I have notification set up of every transaction on every account every credit card I have. I caught a fraud transaction on my husband's account 5 minutes after it happened. The bank loved it I turned off the card and all is well. Don't wait for the paper statement that is too long
I once deposited a check for $900 at the bank, and when the bank teller gave me the receipt I did not recognize the account number she deposited my check in.
I remember a story. Back in the 1990's. Friend of a friend, was a bank teller. The kid stole about 45K from an old woman's account. The woman eventually notified the bank. The Kid/teller got caught. The Kids father agreed to Pay back the bank. Everything was smoothed over. Kid got a new job. How many times has that happened?
This is something I just don't understand Unless you're a scammer, HOW on Earth can you keep stealing from someone ELSE'S account without direct access, I don't get it 🤨
THAT'S WHY people should be THOROUGHLY SCREENED AND WEEDED OUT to PREVENT THIS We can learn something from the secret service and THEIR practices.... If THEY can WEED OUT MOST people and NARROW candidates down to just a FEW, WE CAN do the SAME thing with OTHER areas of trust and power
One Dan's best videos! 1. yes there has been organized crime since the beginning of time. This means it is on YOU to be alert and active. Let's talk reality. Brother-in-law opened an ice cream parlor. After working hard, he and his wife took a week's vacation, stand in manager stole $5,000. Child has warehouses of goods for sale. One person and only one person had a key when he visited. 70 computers stolen. Of course, the police are not equipped to handle these crimes. A fast food franchisor trainer addresses an audience of multi-location franchise owners. Told you will hire 4 people for each position in your store in the first year. 20% of your employees will never steal from you. 20% will steal from you starting from the first day. As for the rest, it is a matter of chance and opportunity. Ok. Now you have heard it from the perspective of the entrepreneur. No amount of wage increases stops crime. No amount of laws stop crime. I had a court clerk steal traffic infraction fines. It happens. 2. It is the last few days of the year. Thank you Dan. The year end statements of all financial institutions are being printed out. The ones on line are saved. All of the weekly/monthly statements accumulated and not needed for tax purposes are being purged. a. I end up with less paper to store. b. I have continuing proof throughout the year as to what in an account as of a date certain. The Chinese hackers can hold the bank for ransom. The departing bank employee could have his revenge on the bank and destroy all of its backups. When the FDIC or similar alphabet insurance agency says "prove it", I go to the head of the line and get paid off before the other members of the public. Dan frequently uses the terms "crazy" and "insane". It is new year's eve, 2024. To me "crazy" means inertia and not adopting some of Dan's suggestions in 2024.
It's odd that you brought this up because this happened to a friend's mom years ago, and years BEFORE it ALSO happened to ME She was on Social Security and big chunks of her money was going missing regularly He finally moved her OUT of THAT bank and into a BETTER one Back then they charged a maintenance fee, and he helped me get out of a bank that was costing me too much, and he got me into a BETTER bank like he did his for his mom Then I found an even better bank, so you just have to be aware of what different banks have to offer IF they DON'T have you what you want, shop on One time I was at a local bank when I first got out on my own and all I had was a savings account I had $9 in that savings and needed some one day and the bank said they closed my account Of course being on limited income, I loudly demanded to know what happened to my $9 that I had in my account just days before, and she said she didn't know I think someone stole from me because I only had $9 left in that savings account, and money was tight for me since I was newly out on my own Needless to say, I had to find another bank and if I did return, it was only for a time when new staff were most likely to be there and more trustworthy Of course I've discovered other banks throughout the years, so maybe it's good to stay moving around every so often if you feel the need to do so No matter what bank you use, don't keep all of your money in one spot if you can help it If there's ever a breach or a downright theft, you can have a little bit of money in one or two extra spots
We do not get online statements. We don't do online banking. You have done us a great service with this video. This will only increase as people get more desperate. Ugh.
That's in Irvine, a 'better' neighborhood in Southern California. Lots of shopping centers, even bigger strip malls, have security personnel roaming around these days. The store Dan is at is in Orange County and the County has a D.A. that will prosecute low-level thefts. That attitude is expanding across California so hopefully it brings down the petty crime numbers.
It's always an insider job...the law must change about banks because they have access to too much of our financial information. When you visit them and they open up your account they can see everything, and when you leave many of them do not close down your file immediately. They still have access...that should not be allowed. Any records they need to put on they should do so in your presence and shut down everything before you leave
3:05, 'what you need to do, is get a paper statement'... Dan lives in a fast paced Credit/Debit card world. I don't get his advice on this issue. What works for him my not work for us average private bank account users. I will not wait for ‘snail mail’ to see my account(s) activity.
Paper statements are a bad idea. They can be stolen from your mail. And then somebody has your account numbers. And also they charge you to send out a paper statement now. That’s a new fee by the bank.
And if they don't steal your mail, they can still see your bank statement in your trash, even if you shredded it So what you do is you shred the document and then scatter some of the document in one bag of trash one week , and then more of it in another bag another week and then keep doing that every week until it's gone Or if you have hamsters or other caged animals that need bedding, you have free bedding from the shredder When I had caged pets long ago, this was free bedding for pets Making your own bedding saves money anyway, so make sure to make the BEST of it! When you clean out your pets cages such as hamsters, rabbits and others, only remove what absolutely needs removed and leave the rest and add a little bit of new bedding So the idea is only remove the dirtiest bedding, spread what's left into the toileting area and then add new bedding where they sleep and play NO ONE will WANT to mess with those documents when caged pets are done with it 🤣🤣🤣🤣🤣🤣🤣🤣🤣 🤣🤣
Every online statement I get from my bank and CR Union I print it out and thoroughly look at the data. Then I place it in a three hole punch folder for reference if needed.
I don't like electronic statements but are mail service has become unreliable , seems to go in streaks, went two weeks without any mail, I set up a ring camera at the mail box recording the mailman just driving Past our house, went to the post office , filed a complaint, had our mail held as the problem was investigated, advised an investigator would contact us, nothing, had no choice but go email / electronic for statements and any important communications
I think that's the MAIN idea is to push us to go DIGITAL.... It's better if you do it early though so you don't have to be pushed into it later There's even some seniors who WON'T come up to the Modern Age, they'll have to eat our dust as we race forward into the future with improving technology Technology is always improving with development to make things better and better I'm not saying I may necessarily agree with everything they do, but there are also a good number of GOOD things to help make our lives EASIER I'll tell you though, banking has come a LONG way There's nothing like being able to have your bills come out automatically on your behalf while you stay in bed or do other things I remember one of the first times I was taking a summer trip somewhere and thinking how nice it was that my bills are already taken care of while I do other things I'd rather have it THAT way than the old ways Bills can come out while you're doing other things, EVEN sleeping Having everything done automatically is far better than having to go out in bad weather, especially if you don't have a car At least you KNOW the computer's working FOR you while you do other things
This is a little off subject, but hear me out I just got certified mail from the IRS which I owe a whopping $299 threatening to levy my property now Al Sharpton most of you are familiar with owes the government $5 million I wonder if he got his letter today🤔
The other day I made a transfer between institutions and they charged me $25 to initiate an unprocessable transaction!!!! I made choices using available options!!! Could they not us AI in this day and age of electronic communication to make sure that the transaction was viable???!!?? Before charging me??? !!!!
Happy 2025 Dan 🎉 🥂🎆 Don't trust the financial institutions & always be vigilant to any charges on your statement. Your information may be leaked & sold, so be extra vigilant. Best of luck for 2025 🤞✨🍾💫
Thank you for bringing up this video. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. Thanks to Jasmine Harvey the lady you recommended to me..
None of them work well in the cold and they catch fire in the heat and exposed to saltwater... Not even for a MetroCar warranted for 20 years under $10,000
That's because they're pretty much over a barrel with no Vaseline It seems to me like businesses prey on our needs and price everything Out Of Reach I just can't wait until Jesus comes back in case you don't know how he had to cleanse the temple when it became a den of Thieves instead of a House of Prayer If you think him cleansing the temple was bad, wait until entire masses of buildings topple when he CLEANSE S the LAND! We don't know this will happen, because we don't know the day or our the Lord WILL return One thing we can pay attention to though is to notice how the Book of John says he'll raise his people at the last day.... When he raises his people at the last day, he must mean the last day in world history just by the way he describes the end time line of events in his word Pay attention to Revelation and then go over to the Book of John and you'll see what I mean For the elects' sake though, he's going to SHORTEN the days, or no flesh will be saved, (which sounds to me like no one will survive 🤔)
If you get hundreds of emails daily and can't find the time to log on to your bank and credit card account(s) to make sure all is well, you need to get a life.
TD Bank continues to have problems. Doesn’t surprise me. Back the 90’s they were digging their noses into other peoples affairs. I quit them. Went outside the bank.
JP Morgan leveraged and then wound up with EW Marlands oil Company which later became CONOCO at the height of his business he controlled 10% of the worlds oil supply.. later Governor of Oklahoma died broke in his guest house overlooking the mansion he lost in Ponca City Okla.
My sister died at the age of five years, and has been voting Democrat since age 18. She had a very peculiar first, middle and last name, and was born at home. When reported to authorities they said somebody else just has the same birthday and name, and...! They claimed no problem.
He is Irish, American is a English colony, and Leland is part of Great Britain The crown still has the budget since 1776 The vote doesn't have the power the money does what is not taught in history class Now the talk that Canada has to become part if American it alway has been 75% of Canadian live with in 100 miles of US boarders With the new shipping lanes opening up north of Canada because of global warming Only the American can exert control of that northern flank. Why Canada needs America and who are their largest trading partner Canada is 3 third in the world in oil reserves Venezuela is one .American in top 5 The chinstrap have taken control of the Panama canel, which the American built and loss 40.000 men building it The Chinese want to hook Asia to the American by toad and trains its possible though the barring sea American should make a deal with them a high-speed rail fown through central American snd west to east via the southern route That's what's going down What they don't teach you in Harvard business School Experience has mDe me rich now everyone is after me Maddona Lol
We must also remind the people the British was backing the South in the Civil War They were getting the cotton tobacco snd molasses that the slaves were producing And the south was using a British war ship during the Civil war And demanded it back after the war And before Nixon to America off the hold standard America had defaulted to England American economy trivet after world war 2 Yet was bankrupt 25 years later after 2 Asian Wars It is clear there a English connection, Charlie chaplin.Bob hope they were born in England and Nanyang others that's the entertainment industry
Thus saith the LORD, which maketh a way in the sea, and a path in the mighty waters; for the LORD hath created a new thing in the earth, A woman shall compass a man. Authorized (King James) Version, Isaiah 43:16 & Jeremiah 31:22
Dan I like your channel but I think it quite ironic that you are talking about people getting scammed and then UA-cam throws in a scam commercial mid video about a 6400 dollar government subsidy which is a total scam.
Nope, you'll just be in competition with others from the burgeoning poor population for pets, squirrels, birds, rabbits, possums, racoons, all kinds of critters to throw in the stew pot.
Trust no body! When it comes to money.
Trust no AI, too.
No one will care as much about my money as I will.
The sad part is money is just an object
BUT WHERE TO REST YOUR CASH SO THAT ITS SAFE AND MAYBE EARNING SOME INTEREST TOO
Trust no banker!
Make your mattress your bank. 🤣
I'm glad you made this video it reminds me of my transformation from a nobody to good home, $34k monthly and a good daughter full of love
My advice to everyone is that saving is great but investment is the key to be successful imagine investing $15,000 and received $472,700.
wow this awesome I'm 47 and have been looking for ways to be successful, please how??
Getting advice from an expert when building an investment portfolio is a wise choice , as the process can be quite complex
Making touch with financial advisors like Elizabeth Regina Nelson who can assist you restructure your portfolio, would be a very creative option. Personal financial management will be crucial to navigating the next difficult times
Elizabeth Regina Nelson has really set the standard for others to follow, we love her here in the Uk 🇬🇧 as she has been really helpful and changed lots of life's.
I used to live on Ramen cup of soup and jolt cola every weekend for 2 years. This was back in high school, everyday after school I worked in a dry clean from 3 until six and on Saturdays from 8 until 6. On Friday and Saturdays, I worked at a night club from 9pm until 4 am. Then on Sundays, I volunteered at my local ambulance Corp. (My mother was very big on community service- we could do what we want, but we had to give back to the community). So Friday until Sunday evening, it was Jolt to keep me running, and Ramen cup of soup because it was fast and I could eat it as I was walking from place to place. Oh how I wish I could keep up with my younger self.
I deposited in $100 in cash. The next day I went back and there was no record of the deposit. Luckily I had my receipt. The teller who obviously did not deposit the money kept looking over at me with the manager. Never saw him again...
The teller is now a Congressman
I'm glad you had your receipt because had you not had that, you might not have gotten your money back
Also if you use online banking, get REGULAR screenshots of your account, and monitor them CLOSELY
NOT ALL banking apps allow screenshots, that's why you NEED ANOTHER device to take pictures of your screen for your records
If you have another device, use that if you can't take screenshots because your banking app disables it
If you can find an override somewhere in the software or maybe an app, you can also do that, because you NEED those SCREENSHOTS
This happened to me as well.
😂😂😂@@NoDaysOff-oz2zl
I actually have setup my account I automatically get email notifications to a certain email address with every transaction
I noticed a credit card transaction that was not legit 10 years ago. It was for $500. I called my credit card company and they reversed the transaction. But I kept on checking my account and noticed a small transaction that was not mine. I called the credit card company and the employee said that there was a note in the system that said "We are making up this transaction to compensate because we reversed an illegal transaction of $500." I said CAN YOU PLEASE REPEAT WHAT YOU JUST SAID?? And the employee said "nothing sir, no problem, I will reverse this transaction/" I said CAN YOU PLEASE REPEAT WHAT THE NOTE SAYS? and he said "Sir, don't worry, anything else I can do for you?" Be very careful because the banks and credit cards are not your friends.
Maybe and maybe not depending on what kind of people you have working there
We should follow the examples of the Secret Service, because we can all learn something from them:
If THEY can WEED OUT MOST people and NARROW it down to just a FEW good candidates who go on to be good workers, we can follow that example for other areas of trust and power
After I retired I needed a little income for spending money. Discretionary spending money. I lived in a small tourist town so I applied at BofA. It was the worst job I ever had. Trained with Monopoly money in a shoebox. Told I would be paired with an experienced teller at the bank when I reported. The bank tried to give me a cash box and put me on a window. I refused. They paired me with a temporary teller who told me he was just learning too. The pay was the lowest I had ever worked for. I liked the hours, 5 hours a day , sometimes two days a week, usually only one. After 6 months, I quit. I also moved my money to another bank. Our banks are run by criminals. The Fed is run by a mafia. Since 1913. It’s all a planned crime.
Absolutely truth I don't like banks
GLAD YOU ARE ON THE RIGHT SIDE AND EDUCATED ON THE BANKING MAFIA
BOA is likely to be the first Wall Street bank to collapse. They are currently in a lawsuit for taking on a pier to pier outside payment system that customers lost money using. BOA refused to make good to the customers. They have been caught on other bigger wrongdoings only to get slapped on the wrists.
I rarely go to tellers anymore. I did last year (needed 20 dollars in quarters) and she saw my savings and had a surprised look. Since then i just use the ATM for any transactions. I was afraid these underpaid tellers might jot down account info and hand it over to friends who might steal. Yes its better to be paranoid than complacent in banking matters.
Especially these days when banks won’t stop it or make right with the people who were victims of fraud
They have access to your info, using ATM is worse
This is why this is why you should have some of your money in a different account
What you can do is keep most of your money in banks you DON'T visit, even ones outside of your area
Then pick a bank to keep just a small amount in, and why are only what you need from another bank
Personally I'd only do this per planned transaction and don't wire all of your money at once
What I personally would do is wait until all of my bills come out
Then let's say this week you need to go to the laundromat....
Wire only what you absolutely need from the further away account to the closer one, and then go get it and do your laundry
Let's say next week you need to pay someone for something you bought privately....
That next week , wire only what you need for that particular purpose so you don't have NOTHING extra in that account
So the idea is to keep small amounts in the bank you'll visit in person, even l rarely
Just pick a close enough bank, and only keep a SMALL amount of money in there
There's a little trick you can use if your account sits idle, you can keep it open by scheduling an annual transfer every year for the lowest amount possible
Keep the minimum amount in BOTH checking AND savings....
Every year they'll ping each other to stay open, as long as you leave the annual auto transfer in place
If you ever start using that account again, you'll just have to reset your debit card password if you want to use the ATM
If not, don't worry about your password, just resume right where you left off
I'll tell you another secret, you never know when you may find friends in the industry, that's when you'll periodically be able to learn all the perks they may have for their customers
When I had a friend who was the manager, I always knew of upcoming customer appreciation days
I always looked forward to coming in and seeing those I knew at the branch, and I even enjoyed the refreshments, especially when one of my friends made the punch
Sometimes I met new people through that friend, it was great and we had fun
She since moved on and left the branch, I just hope she's well along with everyone else who also eventually left and moved on
@selah4719 I don't know about that , ATMs are supposed to be secure as long as you're smart about it
I'm successfully used ATMs off and on over the years with absolutely NO problem WHATSOEVER, so what's the REAL problem?
I've had friends in the industry, and no one EVER bothers me if I ever use the ATM
That's because I MAKE SURE I go when NO ONE'S nearby
Plus, I'm NOT someone ANYONE wants to mess with....
When you use the ATM, just MAKE SURE you WAIT UNTIL your transaction has COMPLETELY CLOSED BEFORE leaving
When taking your receipt and waiting for your card to be returned, put away your cash as soon as you pick it up while you're still in front of the camera
When you get your card and receipt, also put that away while you're in front of the camera
That way, in case something does happen, it'll ALL be on video unless someone tampers with the video or that video recorder doesn't keep recordings beyond a certain point
They should be able to keep recordings overnight though, so do everything possible to stay in front of that camera until you put away your cash, card and receipt
If you come on a bike, keep your bike right there beside you because the idea is to hop and roll quickly away from the ATM as soon as you CAN
The idea of leaving quickly is so that you don't send off no unintended signals of tampering or loitering
Hopping your bike is much quicker than getting into a car, shutting the door, belting up, starting the engine, backing out and driving away
A bike is nothing more than hop and roll, so keep it right there WITH you for quick and easy convenience
The idea is to come and go quickly, as fast as the machine will let you move through a transaction from start to finish
Sometimes I DON'T really like using the ATM because they're JUST TOO SLOW
Although I do like the lovely lights on some of them, I really don't like how slow some of them might go when I try to do a transaction
It's much easier to do everything online then it is to try to do it at an ATM
I can go INDEFINITELY WITHOUT EVER carrying a dime, because I went DIGITAL YEARS ago
When I say I went digital years ago, what I really mean is I do my stuff online so I DON'T need to carry cash (UNLESS I'm paying someone for something I bought from them)
Other than that, no one will ever find a dime on me
One time I even had a situation come up where I was paying my housing cost for the month, and I was about $11 short and didn't even know that there was an adjustment in the cost....
So I guess I didn't get the letter and I got a call....
So what happened is the person THOUGHT I had cash at home, but I had to explain to them I don't even have pocket change because I keep it ALL in the bank, and absolutely NOTHING at home
So within a matter of days, the person got their money
When I sent it through the site, no more was ever said
I hope my experience helps, because I guarantee I can use the services with absolutely no problems WHATSOEVER
If you hit a snag somewhere, you have the power to FIX it FAST, because you MUST MOVE FAST
Isn't it funny how banks always get fined? Its always a civil offense. Never any criminal charges or jail time.
Bankers and lawyers go to the same parties
That's because there's NO SUCH THING as "debtors jail"
Data protection needs to get better. Maybe an immediate financial incentive to protect customers data. Like damages immediately paid to customer on top of any lawsuit for the cost to fix the customers credit. Since theirs always a prolonged lawsuit where it takes 3 or 5 years to get a judgment. They should have to pay penalties to the customer immediately and not anything poultry. Make it like 2k per customer per breach. And if money is stolen because of crappy banking practices or the failure of a companies app or service 2k per transaction damages minimum and an additional 2k damages for every 5000 stolen. Then see how many data breaches happen I bet they lock those databases down so quick it would make your head spin.
Organized crime is your legal system of government and LAW.
Going along with what you said about online statements, people need
to watch when they go to an ATM. Many ATMs, certain ones, display
a full-page statement of your account after the transaction. If the customer
does not wait and remove that statement, that information is there for
someone to read, at least for a short time. And people often leave their
paper receipts in the machine or on the ground, as well. That information
could be converted into profits for the bad guys.
I guess this is something I really don't understand, how the crooks can use your receipts and bank statements for profit unless they plan on going in and stealing from you 🤔😳
Thanks for your informative videos Dan.
You’re the man Dan! Happy New year brother
Thanks, Dan. Another good video that I enjoyed. A few months ago, my bank initiated a conversation with me and advised me to change my bank card. It had become obvious to them that someone else, in another state, had somehow obtained my personal banking info and was using it for (large) purchases that I had Not authorized!! I thank God for my local branch who was on their toes, regarding this!!! I don't know if This will have anything to do wuth what I just mentioned or not, but occasionally, I will get a text message in regard to some outrageous toll bill that I have "run up"!! Realistically, I am: (primarily) a stay-at-home housewife who rarely leaves my home premises--partly due to my car being impaired. I think it's a scam about the toll charges! Anyways, have a very Happy New Year, everybody!!
Yes, the texts about your toll account is a common scam. Don’t click on anything or give any information. If you have a toll account online, then check it for unusual activity but never interact with the toll texts. Be safe! 😊
I check my accounts every day.
Yes, once a week here.
I should. I have two separate banks. Move large sums from one to another that way only have two outgoing transactions monthly from my bigger account, and the other one has small balance so easier to monitor. Does that make sense? 😂
I have notification set up of every transaction on every account every credit card I have. I caught a fraud transaction on my husband's account 5 minutes after it happened. The bank loved it I turned off the card and all is well. Don't wait for the paper statement that is too long
Big problem with paper statements is you will get information that's is 1 month old...it will be too late to solve the problem!
For the algorithm. Happy New Year, Dan!
Great video on these scams. Happy New Year Dan!
Dan thanks for your up to date analysis of the actual economy, been a fan of your videos from the beginning. Also nice to see sunny California.
I once deposited a check for $900 at the bank, and when the bank teller gave me the receipt I did not recognize the account number she deposited my check in.
It was Hunter Biden's account
I remember a story. Back in the 1990's. Friend of a friend, was a bank teller. The kid stole about 45K from an old woman's account. The woman eventually notified the bank. The Kid/teller got caught. The Kids father agreed to Pay back the bank. Everything was smoothed over. Kid got a new job. How many times has that happened?
He should have done jail time
No consequences?! 😮
@@ohenenana4392 No consequences. The Bank would not like the public to hear about tellers stealing customer money.
This is something I just don't understand
Unless you're a scammer, HOW on Earth can you keep stealing from someone ELSE'S account without direct access, I don't get it 🤨
many
Having a bad teller or other banking employee is like giving Dracula the key to the blood bank. Never ends well.
THAT'S WHY people should be THOROUGHLY SCREENED AND WEEDED OUT to PREVENT THIS
We can learn something from the secret service and THEIR practices....
If THEY can WEED OUT MOST people and NARROW candidates down to just a FEW, WE CAN do the SAME thing with OTHER areas of trust and power
Thanks again Dan for the horrible news with the lovely background 😊
One Dan's best videos!
1. yes there has been organized crime since the beginning of time. This means it is on YOU to be alert and active.
Let's talk reality. Brother-in-law opened an ice cream parlor. After working hard, he and his wife took a week's vacation, stand in manager stole $5,000. Child has warehouses of goods for sale. One person and only one person had a key when he visited. 70 computers stolen. Of course, the police are not equipped to handle these crimes.
A fast food franchisor trainer addresses an audience of multi-location franchise owners. Told you will hire 4 people for each position in your store in the first year. 20% of your employees will never steal from you. 20% will steal from you starting from the first day. As for the rest, it is a matter of chance and opportunity. Ok. Now you have heard it from the perspective of the entrepreneur. No amount of wage increases stops crime. No amount of laws stop crime.
I had a court clerk steal traffic infraction fines. It happens.
2. It is the last few days of the year. Thank you Dan. The year end statements of all financial institutions are being printed out. The ones on line are saved. All of the weekly/monthly statements accumulated and not needed for tax purposes are being purged.
a. I end up with less paper to store.
b. I have continuing proof throughout the year as to what in an account as of a date certain. The Chinese hackers can hold the bank for ransom. The departing bank employee could have his revenge on the bank and destroy all of its backups. When the FDIC or similar alphabet insurance agency says "prove it", I go to the head of the line and get paid off before the other members of the public.
Dan frequently uses the terms "crazy" and "insane". It is new year's eve, 2024. To me "crazy" means inertia and not adopting some of Dan's suggestions in 2024.
It's odd that you brought this up because this happened to a friend's mom years ago, and years BEFORE it ALSO happened to ME
She was on Social Security and big chunks of her money was going missing regularly
He finally moved her OUT of THAT bank and into a BETTER one
Back then they charged a maintenance fee, and he helped me get out of a bank that was costing me too much, and he got me into a BETTER bank like he did his for his mom
Then I found an even better bank, so you just have to be aware of what different banks have to offer
IF they DON'T have you what you want, shop on
One time I was at a local bank when I first got out on my own and all I had was a savings account
I had $9 in that savings and needed some one day and the bank said they closed my account
Of course being on limited income, I loudly demanded to know what happened to my $9 that I had in my account just days before, and she said she didn't know
I think someone stole from me because I only had $9 left in that savings account, and money was tight for me since I was newly out on my own
Needless to say, I had to find another bank and if I did return, it was only for a time when new staff were most likely to be there and more trustworthy
Of course I've discovered other banks throughout the years, so maybe it's good to stay moving around every so often if you feel the need to do so
No matter what bank you use, don't keep all of your money in one spot if you can help it
If there's ever a breach or a downright theft, you can have a little bit of money in one or two extra spots
Happy New Year 🎉
Happy Nude Year 😂
Ty.. Happy Newyear All
Thanks Dan! 👍
We do not get online statements. We don't do online banking. You have done us a great service with this video. This will only increase as people get more desperate. Ugh.
❤Happy New Year Dan and Rosie❤
Did I see an armed guard in that Apple store? I would think twice about that neighborhood.
That's in Irvine, a 'better' neighborhood in Southern California. Lots of shopping centers, even bigger strip malls, have security personnel roaming around these days. The store Dan is at is in Orange County and the County has a D.A. that will prosecute low-level thefts. That attitude is expanding across California so hopefully it brings down the petty crime numbers.
Armed guards drink Jolt cola.😂😂
I would think twice when there are no armed guards.
Online statements and offshore reps!
All of our info is shipped offshore!! 🤬🤬
It's always an insider job...the law must change about banks because they have access to too much of our financial information. When you visit them and they open up your account they can see everything, and when you leave many of them do not close down your file immediately. They still have access...that should not be allowed. Any records they need to put on they should do so in your presence and shut down everything before you leave
Thank you for the video Dan ❤. Happy New Year's Eve! ❤️🎉🙏🏿
3:05, 'what you need to do, is get a paper statement'...
Dan lives in a fast paced Credit/Debit card world.
I don't get his advice on this issue.
What works for him my not work for us average private bank account users.
I will not wait for ‘snail mail’ to see my account(s) activity.
I have notifications on my phone for every transaction in every one of my accounts
Yes, they can alert you if you do something online based on what you want alerts for if your software allows selective alerts
Worked for a courier service in 2006. All mortgage application packets not sealed. ???
Happy New Year my friend have a good one .❤❤❤❤
🥳HAPPY NEW YEAR DAN 💕💕💕💕☕️👋
Another good one Dan 🎉
Paper statements are a bad idea. They can be stolen from your mail. And then somebody has your account numbers. And also they charge you to send out a paper statement now. That’s a new fee by the bank.
And if they don't steal your mail, they can still see your bank statement in your trash, even if you shredded it
So what you do is you shred the document and then scatter some of the document in one bag of trash one week , and then more of it in another bag another week and then keep doing that every week until it's gone
Or if you have hamsters or other caged animals that need bedding, you have free bedding from the shredder
When I had caged pets long ago, this was free bedding for pets
Making your own bedding saves money anyway, so make sure to make the BEST of it!
When you clean out your pets cages such as hamsters, rabbits and others, only remove what absolutely needs removed and leave the rest and add a little bit of new bedding
So the idea is only remove the dirtiest bedding, spread what's left into the toileting area and then add new bedding where they sleep and play
NO ONE will WANT to mess with those documents when caged pets are done with it 🤣🤣🤣🤣🤣🤣🤣🤣🤣 🤣🤣
Every online statement I get from my bank and CR Union I print it out and thoroughly look at the data. Then I place it in a three hole punch folder for reference if needed.
Bank of London does not give you your gold
They say you will waste it
That’s crazy
THE SKY IS FALLING, THE SKY IS FALLING!!!
Going skating with my daughter tonight, Dan! I'll be sure to leave my iPhone in the car...
People working at the bank are the last ones your supposed worry about but not anymore
How can people spend money foolishly, when we aint got none, barely making the basics.
Not everyone is rich!
What else is new banks are corrupt big shock😂
I just went to cash a Christmas check from my aunt. Wells Fargo took $10 out of my cash as their “fee!” What?!?
I'm old fashioned I like paper I reconcile my credit card statement with the receipts every month and I do catch stuff
❤ your content, Dan! HNY MY MAN / I wish we could chat with a cigar- it would be an interesting discussion🎉
I just saw you on Jaycation's vegas livestream 😄
At 20 minutes per cigarette, I would have been dead years ago. I wonder how much a bottle of Jack and lines of coke took off. I'm a ghost! 👻 Boo!
I don't like electronic statements but are mail service has become unreliable , seems to go in streaks, went two weeks without any mail, I set up a ring camera at the mail box recording the mailman just driving Past our house, went to the post office , filed a complaint, had our mail held as the problem was investigated, advised an investigator would contact us, nothing, had no choice but go email / electronic for statements and any important communications
I think that's the MAIN idea is to push us to go DIGITAL....
It's better if you do it early though so you don't have to be pushed into it later
There's even some seniors who WON'T come up to the Modern Age, they'll have to eat our dust as we race forward into the future with improving technology
Technology is always improving with development to make things better and better
I'm not saying I may necessarily agree with everything they do, but there are also a good number of GOOD things to help make our lives EASIER
I'll tell you though, banking has come a LONG way
There's nothing like being able to have your bills come out automatically on your behalf while you stay in bed or do other things
I remember one of the first times I was taking a summer trip somewhere and thinking how nice it was that my bills are already taken care of while I do other things
I'd rather have it THAT way than the old ways
Bills can come out while you're doing other things, EVEN sleeping
Having everything done automatically is far better than having to go out in bad weather, especially if you don't have a car
At least you KNOW the computer's working FOR you while you do other things
Don't keep your money in the bank ! Even bank employees are selling your personal information to scammers ! What has our country come to ????????
Happy New year everyone!
This is a little off subject, but hear me out I just got certified mail from the IRS which I owe a whopping $299 threatening to levy my property now Al Sharpton most of you are familiar with owes the government $5 million I wonder if he got his letter today🤔
Levy? Is that a Jewish name? 😂
You are a tax deadbeat.
The other day I made a transfer between institutions and they charged me $25 to initiate an unprocessable transaction!!!! I made choices using available options!!! Could they not us AI in this day and age of electronic communication to make sure that the transaction was viable???!!?? Before charging me??? !!!!
The new Jolt cola would turn me into cornholio of Beevis fame.
Happy New Year 🎉 Dan 🎈!
😅😅😅 Price is Right you won a new car
So... money is the root of evil. No, ego is.😊
We need to stop these new California laws; we the people of California DO NOT WANT ALL ELECTRIC
A paper statement is a "system of controls" item.
She deserves 25yrs in prison. If I were the judge, then she would be doing that time. Maximum sentences!
Hilarious 😂 “…When is the election?” 😂❤
Happy 2025 Dan 🎉 🥂🎆
Don't trust the financial institutions & always be vigilant to any charges on your statement.
Your information may be leaked & sold, so be extra vigilant. Best of luck for 2025 🤞✨🍾💫
Danny you getting your steps in
Hahahaha - "When's the election." HAPPY NEW YEAR DAN! ❤
Things are great dan
Thank you for bringing up this video. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. Thanks to Jasmine Harvey the lady you recommended to me..
You just have to keep trying your best. A lot of people keep suffering because of giving more trial weakness.
You are really doing great for yourself. As of last weekend I counted on 5k but don't just know what to put it into. I have failed several on it.
Everyone needs a different stream of income so one can put some parts of his or her salaries.
Losses and failures are the result of venturing into it without a proper guide!
I'm really interested in this information, how can I reach out to her???
Cannot trust anyone
None of them work well in the cold and they catch fire in the heat and exposed to saltwater... Not even for a MetroCar warranted for 20 years under $10,000
Everyone who has a mortgage, car loan, credit card loan, student loan is getting robbed, lol
That's because they're pretty much over a barrel with no Vaseline
It seems to me like businesses prey on our needs and price everything Out Of Reach
I just can't wait until Jesus comes back in case you don't know how he had to cleanse the temple when it became a den of Thieves instead of a House of Prayer
If you think him cleansing the temple was bad, wait until entire masses of buildings topple when he CLEANSE S the LAND!
We don't know this will happen, because we don't know the day or our the Lord WILL return
One thing we can pay attention to though is to notice how the Book of John says he'll raise his people at the last day....
When he raises his people at the last day, he must mean the last day in world history just by the way he describes the end time line of events in his word
Pay attention to Revelation and then go over to the Book of John and you'll see what I mean
For the elects' sake though, he's going to SHORTEN the days, or no flesh will be saved, (which sounds to me like no one will survive 🤔)
Tired of Good Ones Dan - we want Bad Ones
Person=bank...trusty
Customer=inmate
Employee=registred...anvil/felon/ confetti morsel
Great taste test sampling
If you get hundreds of emails daily and can't find the time to log on to your bank and credit card account(s) to make sure all is well, you need to get a life.
TD Bank continues to have problems. Doesn’t surprise me. Back the 90’s they were digging their noses into other peoples affairs. I quit them. Went outside the bank.
Been smoking for 45 years, I am 69, you mean to tell me I could live to 102.
As long as you don't get hit by an E.V.
Not really, I knew smokers who died EARLY
JP Morgan leveraged and then wound up with EW Marlands oil Company which later became CONOCO at the height of his business he controlled 10% of the worlds oil supply.. later Governor of Oklahoma died broke in his guest house overlooking the mansion he lost in Ponca City Okla.
Jimmy Carter has died 3 times already
Correct, and he keeps on voting!
My sister died at the age of five years, and has been voting Democrat since age 18. She had a very peculiar first, middle and last name, and was born at home. When reported to authorities they said somebody else just has the same birthday and name, and...! They claimed no problem.
Jimmah was a racist and a phony. Read up on his 1966 and 1970 Georgia to gubernatorial campaigns
@@susandavey3312 ?
JOLT Cola! About Time
Xrp , to the Moon and Beyond ! 😁
And is going to get juicy with AI
AI but with 50% more lies😅
Oh lord🥺yes
These guys on the dark web need a VPN!😁
Thief's amount thief!...
I'm waiting for cocoa cola to put coke bCk in coke. LOL, would that surprise ya?
“The rich have been doing it to the poor since the beginning of time” Wallstreet
Nothing new there
Most underreported story , the actual death toll in Gaza.
He is Irish, American is a English colony, and Leland is part of Great Britain
The crown still has the budget since 1776
The vote doesn't have the power the money does what is not taught in history class
Now the talk that Canada has to become part if American it alway has been 75% of Canadian live with in 100 miles of US boarders
With the new shipping lanes opening up north of Canada because of global warming
Only the American can exert control of that northern flank. Why Canada needs America and who are their largest trading partner
Canada is 3 third in the world in oil reserves Venezuela is one .American in top 5
The chinstrap have taken control of the Panama canel, which the American built and loss 40.000 men building it
The Chinese want to hook Asia to the American by toad and trains its possible though the barring sea
American should make a deal with them a high-speed rail fown through central American snd west to east via the southern route
That's what's going down
What they don't teach you in Harvard business
School
Experience has mDe me rich now everyone is after me
Maddona
Lol
Any body can explain rico
We all knew he was nuts before 2024😊
Oh,stop Dan,we all know California and Canadian garbage is the SAME OLD SAME OLD !
We must also remind the people the British was backing the South in the Civil War
They were getting the cotton tobacco snd molasses that the slaves were producing
And the south was using a British war ship during the Civil war
And demanded it back after the war
And before Nixon to America off the hold standard
America had defaulted to England
American economy trivet after world war 2
Yet was bankrupt 25 years later after 2 Asian
Wars
It is clear there a English connection, Charlie chaplin.Bob hope they were born in England and Nanyang others that's the entertainment industry
Thus saith the LORD, which maketh a way in the sea, and a path in the mighty waters; for the LORD hath created a new thing in the earth, A woman shall compass a man. Authorized (King James) Version, Isaiah 43:16 & Jeremiah 31:22
Dan I like your channel but I think it quite ironic that you are talking about people getting scammed and then UA-cam throws in a scam commercial mid video about a 6400 dollar government subsidy which is a total scam.
❤
👍
After trump is swore in do we have to stop eating pets?
Nope, you'll just be in competition with others from the burgeoning poor population for pets, squirrels, birds, rabbits, possums, racoons, all kinds of critters to throw in the stew pot.
Hollywood won't have any more children to eat.