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4 Ways People Are Stealing Your Money and You Might Not Know It

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Опубликовано:

24 авг 2024

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Комментарии : 58

@MostSimple 3 года назад

1. Buy now pay later programs 2:08 2. Zero percent financing 3:14 3. Whole life insurance 4:50 4. Payday loans 7:20

@itrebor 3 года назад

Thank you, I expect better from Rachael to respect our time and give us an overview.

@theresayoutubinator177 3 года назад

Thanks!

@factsoverfeelings9492 3 года назад

@@itrebor you waste your life in gossip this atleast will make you wiser.

@davidmilhouscarter8198 3 года назад

2:44 If you have to make payments on a $68 sweater, then you cannot afford the sweater.

@jenniferleigh1674 3 года назад

OH GIRRRL Afterpay knows my name! I lived that way last year and its literally addicting. Its so much easier because it doesn't hit your emotions until you're trying to get OUT OF DEBT and realize its a DEBT and a payment.

@ellia0david 3 года назад

Hahahaaa your husband got the laptop back though. 🙌🏼 way to go dude.

@lovethemflowers 3 года назад

That WAS fortunate that he got the laptop back. At least she didn’t drop it and damage it. Gotta meet in a safer place for Craig’s List transactions.

@rebeccanewbaker7839 3 года назад

I love the way you clearly explained self-insured! Always feel inspired by you, your humor, your intelligence, and your classy attitude and beauty! 🥰

@girltalkwithtia2425 3 года назад

If I can pay $17 a month on s shirt i can set aside $17 a month to pay for the shirt in full

@girltalkwithtia2425 3 года назад

@ it really is lol

@toddmacdowall4924 3 года назад

Thank you Rachel. You are doing an amazing Job.

@clarenceoliveriii 3 года назад

You’re always dropping good, practical nuggets!🔥

@masonr1666 3 года назад

The way whole life insurance works is a portion of your payment goes into a savings account, and a portion buys term insurance. When you die, the insurance company pays the value of the policy. Now, if you make it to the end of the "term," I forget if it is 70 or 80 years old, they also pay the value of the insurance policy. The is the difference between term, and whole life. Whole like is term + forced savings (which you can not access.)

@davinasquirrel7672 2 месяца назад

Some of those things I call 'degrees of dishonesty'. Not exactly stealing, but an expanded definition of fraud. Fraud is where you represent something as one thing, and/or omit details. So technically the person 'agrees' to the transaction, but was not given the full picture, or true picture of what that transaction really entailed. Especially things like hidden or glossed over penalty rates. I have no idea about the payday lender business, but it smacks of preying upon the vulnerable and desperate.

@timhalcomb4041 3 года назад

Thanks for sharing have a blessed day in the name of Jesus

@CaseyBurnsInvesting 3 года назад

When they steal your money they’re stealing your time.

@kaypendergast5676 3 года назад

This is really SMART advice!!

@megancraig8145 3 года назад

Actually pay for it! Love it! 🙌

@zillashimmy 3 года назад

Our Payday Loan places around ME charge 400-800% interest!!!!! Crooks!!!

@hairtrigger903 3 года назад

Rachel, most of the life insurance companies zander gives quotes on. I've never heard of. I enjoy your videos.

@kTorres007 3 года назад

How many life insurance company's did you know of before zander set the others on the table? If you have heard of them its because they might be more expensive because of the marketing... Food for thought. Have a good one my friend

@andrewsherman2398 3 года назад

Buy now pay later is fine if the intended purchase is on sale and you don't have the full price right now but if you intend to make the purchase in the first place and you make the payments on time and there's no interest in any way shape or form than I wouldn't have a problem with that"debt"because you'd be saving money

@DanielGarcia-zz9eg 3 года назад

0% on vehicle. I still got discounts. Just a 3k different if I went with a APR rate. Ppl are paying on average about 1,800 a year in car interest. Maybe 3 times more if credit is bad In the end, you still paying full price when u get interest charge.

@JustAName-it5qp 3 года назад

I switched from Sprint to Mint, my annual bill went from 1700 to 600.

@davidmilhouscarter8198 3 года назад

7:34 Triple digit interest rates...

@adrianalonso5734 3 года назад

1-making after payment/actually pay for it in full 2- 0 percent financed, no interest 3

@youngtimer964 3 года назад

#5 Ramsey Plus

@AsianMuscleFans 3 года назад

It's not really stealing since people are engaging in it and agreeing to it. It's also legal what is being done. Still bad for your budget, but not stealing.

@mariacarrillo6580 3 года назад

I would like to.hear about global life insurence wich have many programs which covers for accidents or cancer things like that I just signed a contract and I don know if I made the right

@marklance033 3 года назад

She's so beautiful 😍

@averynmitchell 3 года назад

I pay for term life insurance. Should I stop and start putting money in a mutual fund instead?

@pedromata133 3 года назад

No, if something happens to you today or tomorrow it will help your family that's if you're married and have kids. I'd say do both

@philipgerry5228 3 года назад

If you have nobody depending on your income-go for investments. Insurance is protection for your family.

@JB11334 3 года назад

What’s your view on used Tesla models? Is it still better to purchase a cheaper used vehicle?

@markg999 3 года назад

Prepare for higher insurance rates on Teslas.

@buyerbware25 3 года назад

@@markg999 putting out a lithium battery fire is very difficult

@markg999 3 года назад

@@buyerbware25 That....and it doesn't take much to total a Tesla due to lack of parts.

@annettedemary3062 3 года назад

Cash is king.

@dominiquelock8117 3 года назад

Cash is trash nowadays..

@lemurproductions1294 3 года назад

I’m very confused why mutual funds are always recommended instead of etfs?

@abitamimbharmal1498 3 года назад

Because Ramsey only gets commissions from people selling mutual funds. ETFs do everything mutual funds do in a more tax efficient structure

@srdjr6760 3 года назад

She is 100% wrong on zero percent car loans with regards to pricing. I have always negotiated best price when using zero percent financing. I haven't paid interest in a car loan in over 25 years and I always get a good price.

@razojacqueline 2 года назад

You do pay more. I was offered a zero percent loan for my car and I told them I wanted to buy it outright and they dropped the price down 3,000.

@davidmilhouscarter8198 3 года назад

Everything is on payments these days. No one will tell you the actual price.

@smalls207 3 года назад

I have zander insurance that is advertised. You will never get 10-12 times income coverage term life for $20 per month. Its probably closer to $75-100. Come on! Your selling ins indirectly. Albeit, a better product. Still be truthful about actual costs!

@DaphneOrtiz 3 года назад

mmmm but life insurance at the pay of Netflix subscription is not true... $30 a month for a single person, I agree, is cheap, but it's not $8.

@lindahostetler4572 3 года назад

Baby daddy.....uh that doesnt sound so swift...

@acrobizer1238 3 года назад

Like mutual funds with excessive fees? Oh sorry, that’s what you guys push LOL.

@samig6806 3 года назад

Thanks Rachel. But your Dad said whole life insurance is better???

@stevenporter863 3 года назад

I know whole life is a rip off but what about HSA where you put money away for medical expenses and after a certain balance they offer the option to invest?