This is what you've been working for.

這就是你一直在努力的方向。

Welcome toe watch, Mojo.

歡迎你來觀看，魔王。

And today we're counting down our picks for the top 10 dirty bank secrets.

而今天我們就來細數一下我們挑選的銀行十大骯髒祕密。

You control the debt you control every I'm wondering what this fee on my A Countess.

你控制的債務，你控制的每一個我想知道這個費用對我的A伯爵夫人。

I can't really talk about that.

我真的不能談這個。

From a financial standpoint, you are now in heaven for this list will be ranking the secrets and tips the banking industry prefers that you not know.

從金融的角度來看，你現在是在天堂，因為這份榜單將排查銀行業最希望你不知道的祕密和技巧。

Do you know anything we missed?

你知道我們漏掉了什麼嗎？

Spill the beans down in the comments.

在評論中吐槽一下。

Number 10.

10號

Don't bet on certain insurance products.

不要在某些保險產品上下注。

All right.

好吧，我知道了

And what is the reason you're requesting alone today?

而你今天獨自請求的原因是什麼？

Wait for it.

等著瞧吧

Gasoline.

汽油：

Don't rush me.

別催我。

Don't rush.

彆著急

Thank you.

謝謝你了

I feel rushed.

我覺得很倉促。

Hey, we get it.

嘿，我們得到了它。

Taking out a loan or a line of credit with the bank could be a scary proposition.

向銀行貸款或授信額度可能是一個可怕的命題。

Oftentimes a bank will offer up insurance on these financial products, framing it as a safety net of sorts, in case you fall on hard times and have difficulty paying back your debt.

很多時候，銀行會提供這些金融產品的保險，把它作為一種安全網，以防你在困難時期陷入困境，難以償還債務。

What may I do for you?

我可以為你做什麼？

We want to take out a half teaspoon.

我們要拿出半茶匙。

Of course.

當然了

Of course.

當然了

Do you have an account with us and how What is your account number?

您是否在我們這裡有賬戶，您的賬戶號碼是多少？

Unfortunately, there are occasional exceptions to these insurance plans that involve reading some very fine print.

不幸的是，這些保險計劃偶爾會有一些例外，這就需要閱讀一些非常精細的文字。

These exceptions are rarely in favor of the borrower, meaning that the bank can collect on a portion of your debt.

這些例外情況很少對借款人有利，也就是說銀行可以對你的部分債務進行催收。

Even if you paid for an insurance plan, that is the deal.

即使你花錢買了保險計劃，那也是交易。

So be sure to take all the time you need with that contract before you sign up, number nine banks can reorder your transactions.

所以在簽約前一定要把該合同的時間全部把握好，九號銀行可以重新安排你的交易。

Balancing a checkbook can be complicated if you're someone with a lot of transactions.

如果你是一個有很多交易的人，平衡支票簿可能是複雜的。

If you're someone who doesn't keep a lot of cash and your account, the order of your purchases and deposits can absolutely make the difference between your account being in the black or slipping into the red.

如果你是一個不怎麼保留現金和賬戶的人，你的購買和存款的順序絕對可以使你的賬戶處於黑色或滑入紅色的差異。

How could all that money be going?

怎麼會有那麼多錢？

Some banks can order your daily transactions by their amount rather than the order in which they occurred, meaning that you could become overdrawn by accident.

有些銀行可以按照你每天的交易金額而不是交易發生的順序來排序，這意味著你可能會因為意外而透支。

Where's my money?

我的錢在哪裡？

As we told you, we can't cover that amount within 24 hours.

我們告訴過你，我們不能在24小時內支付這筆錢。

Furthermore, some institutions may run your deposits after your purchases, or take a while to factor in that check, meaning that you may incur overdraft fees at the worst possible time.

此外，有些機構可能會在你購物後才運行你的存款，或者需要一段時間來計入該支票，這意味著你可能會在最糟糕的時候產生透支費。

So what, We're supposed todo we're just supposed to give up and accept that this is the way of the world.

所以，我們應該做的，我們只是應該 放棄和接受，這是世界的方式。

I'm not gonna do that.

我不會這麼做的

Number eight Ah, little debt can sometimes be useful.

八號啊，小債有時候也是有用的。

Banks make money off lending and debt, but you don't have to take on a lot of debt in your life.

銀行靠放貸和負債賺錢，但你不必在生活中揹負很多債務。

After all, getting yourself in the mountains of debt is not a good idea.

畢竟，讓自己陷入債務山中，不是一個好主意。

Tony, I'm sorry.

託尼，我很抱歉

I'm sorry.

我很抱歉

I'm just having a bad luck.

我只是運氣不好而已。

Just got wash.

剛剛得到洗。

However, having absolutely no debt history could be justice detrimental, especially when attempting to convince a bank toe lend to you.

然而，絕對沒有債務歷史可能是正義的傷害，特別是當試圖說服銀行貸款給你。

It's important from their end to know that you're a trustworthy individual who has a history of paying back debt.

從他們那裡知道你是一個值得信賴的人，有償還債務的歷史，這一點很重要。

A lannister always pays his debts.

林尼斯特總是會還債的。

A good idea for young borrowers is to start small with a store card at a place where you do a lot of shopping, preferably one with a low credit line.

對於年輕的借款人來說，一個好的想法是，先從小事做起，在經常購物的地方辦一張商店卡，最好是信用額度低的。

That way you can build a little credit without worrying about getting in over your head.

這樣一來，你就可以建立起一點信用，而不用擔心入不敷出。

With debt, you control the debt, you control everything number seven Cash is king.

有了債務，你就能控制債務，你就能控制一切第七條 現金為王。

This is it.

就是這裡了

This is what you've been working for.

這就是你一直在努力的方向。

Have you ever been to a restaurant or store that Onley takes cash?

你有沒有去過安利收現金的餐廳或商店？

It may seem to be an odd choice in the modern day, but there's a very rational reason behind it.

在現代人看來，這似乎是一個奇怪的選擇，但背後卻有一個非常合理的理由。

Businesses get charged for every swipe of a credit or debit card, often including refund swipes and even miss swipes, so you can understand why they just rather not deal with that sort of cash bleed.

企業每刷一次信用卡或借記卡都會被收取費用，往往包括退款刷卡甚至漏刷，所以你可以理解為什麼他們就是寧可不處理這種現金出血的問題。

On the other hand, some banks or credit unions also charged their members of fee when they swipe their cards as debit rather than credit.

另一方面，一些銀行或信用社也會在會員以借記卡而非信用卡方式刷卡時收取費用。

It's usually something small, like a quarter, but it's still a wise move to read the fine print and make sure this isn't something that affects your account.

它通常是一些小的東西，如四分之一，但它仍然是一個明智的舉動，閱讀細則，並確保這不是影響你的帳戶。

Number six.

六號

Let your bank know when you travel.

當你旅行時，讓你的銀行知道。

Most of us love to travel, and oftentimes the excitement of our upcoming trip can factor into forgetting something very important.

我們大多數人都喜歡旅行，而很多時候，即將到來的旅行的興奮會導致忘記一些非常重要的東西。

Like the subject of this entry.

就像這次參賽的主題一樣。

Be sure to let your bank or credit card company know in advance when you're planning to leave the country on vacation.

當你打算出國度假時，一定要提前告知銀行或信用卡公司。

Otherwise, be prepared to get hit with a lot of fees for swiping your credit or debit cards while on foreign soil.

否則，要做好在異國他鄉刷信用卡或借記卡會被收取大量費用的準備。

Think of.

想到了。

It's sort of like roaming on a cell phone plan.

這有點像手機計劃的漫遊。

It's super expensive and best to be avoided.

它的價格超級貴，最好不要買。

If you could do so at all costs, either bring cash or give your bank a call and explore your options.

如果可以不惜一切代價，要麼帶現金，要麼給銀行打個電話，探討一下自己的選擇。

Number five Foreign exchange rates.

第五條 外匯匯率。

Speaking of cash, the next entry on our list is something you should think about before and after any vacation into a foreign country.

說到現金，我們名單上的下一個條目是你應該在進入外國的任何假期之前和之後考慮的東西。

It may seem smart and convenient to exchange any of your own currency at a bank to the denomination of where you're going, but there are other options.

將自己的任何一種貨幣在銀行兌換成你要去的地方的面額，看似聰明又方便，但還有其他選擇。

Oftentimes, banks won't be offering you a very good deal when it comes to an exchange rate.

很多時候，在匯率方面，銀行不會給你提供一個非常好的交易。

Not when there are specialists you can visit to get a smidge more for your money.

當有專家你可以去看一看，讓你的錢多花一點。

Oh, and be sure to do this before returning home to There are usually plenty of options for tourists to do.

哦，回國前一定要做這個，到通常有很多遊客可以選擇做。

Just this, regardless of destination.

只是這個，不管目的地是什麼。

From a financial standpoint, you are now in heaven.

從財務的角度來看，你現在已經在天堂了。

Number four, the right of set off the right of set off, also known as a banker's lean refers to when you have both a checking or savings account and alone from that same bank.

第四種，抵銷權抵銷權又稱銀行家的靠是指當你同時擁有一個支票或儲蓄賬戶，並單獨從該銀行。

This could be a mortgage business or personal loan, and it basically means that the bank can take money from your savings or checking.

這可能是抵押業務或個人貸款，它基本上意味著銀行可以從你的儲蓄或支票中拿錢。

Should you fail to make payments on your other loan.

如果你沒有支付其他貸款的款項。

Now any sort of big money loan should always be negotiated in good faith.

現在任何一種大額貸款都應該以誠相待。

But sometimes things happen and we can't make those monthly payments.

但有時事情發生了，我們無法支付這些月供。

This is where the right of set off comes in.

這時，就有了牴觸的權利。

Transferring your funds into another bank could delay this, but only as long as it takes for the bank to come at you by other means.

將你的資金轉入另一家銀行可以拖延時間，但只能拖延到銀行通過其他手段來對付你的時候。

So be aware.

所以要注意。

Number three credit over debit.

三號貸方高於借方。

No one likes to talk about fraud, but unfortunately, it's a growing concern.

沒有人喜歡談論欺詐，但不幸的是，這是一個越來越多的問題。

In today's digital world.

在今天的數字世界裡。

There isn't a one size fits all solution, but among the possible fixes the card industry is recommending is a technology called token ization, which replaces cardholder information such as account numbers and expiration dates with unique Siris of numbers that validates the customer's identity.

沒有一個放之四海而皆準的解決方案，但在卡業推薦的可能的修復方法中，有一種叫做 "令牌化 "的技術，它用獨特的Siris數字代替持卡人的資訊，如賬號和到期日，以驗證客戶的身份。

Debit cards may be favored for speed and convenience, but it's paying by credit that gives you the most protection when it comes to fishy activity.

借記卡可能因為快捷方便而受到青睞，但在腥風血雨的活動中，用信用支付才是最有保障的。

When you use your credit card, your protected under the liability umbrella of the credit company.

當您使用信用卡時，您將受到信貸公司責任保護傘的保護。

Whereas when you use a card as a debit, any fraudulent activity still results in your money being spent.

而當你把卡當作借記卡使用時，任何欺詐活動仍然會導致你的錢被花掉。

Who are the perpetrators of these cybercrimes?

誰是這些網絡犯罪的肇事者？

They could be sitting next door behind the keyboard there, or they could be on the other side of the world.

他們可能坐在隔壁的鍵盤後面那裡，也可能在世界的另一邊。

Quite frankly, because those funds air gone, there's a smaller window for you to report any fraudulent activity.

坦率地說，因為這些資金消失了， 有一個較小的窗口 為您報告任何欺詐活動。

After this window closes, you may be held liable for more than you bargained for.

在這個窗口關閉後，你可能會被要求承擔比你討價還價更多的責任。

We're screwing No.

我們在搞什麼？

Hey, I don't wanna hear that defeatist attitude.

嘿，我不想聽你那失敗主義的態度。

I wanna hear you upbeat.

我想聽到你的樂觀。

We're screwed.

我們完蛋了

Number two banks are open to negotiation.

二號銀行是可以商量的。

Our offer is final, and it's more than fair.

我們的報價是最終的，而且是公平的。

Wait a minute, I thought were negotiating here.

等一下，我以為我們在這裡談判。

Okay, so being overdrawn sucks.

好吧，所以被透支很糟糕。

But did you know that you can contest that fee and get it reversed?

但你知道你可以對這筆費用提出異議，並讓它逆轉嗎？

The world of banking is sort of similar to the cellular market in that there's a lot of competition.

銀行業的世界有點類似於手機市場，競爭很激烈。

As a result, banks want to keep you as a customer and are often willing to work things out when it comes to fees or contested charges.

是以，銀行希望留住你這個客戶，在收費或有爭議的費用方面，銀行往往願意解決。

It's a home equity loan.

這是一筆房屋產權貸款。

Then give me a business thes 13 locations.

那就給我一個企業的13個地點。

You want him?

你想要他？

Me personally.

我個人。

It's your business, correct?

這是你的事，對吧？

You own it.

你擁有它。

The same goes for credit card companies.

信用卡公司也是如此。

Missed a monthly payment, call them up and ask for a one time forgiveness of the fee.

錯過了月供，打電話給他們，要求一次性免除費用。

Getting whacked with multiple overdraft charges may be implied that you might take your business elsewhere.

被多次透支費用捶打，可能暗示你可能會把業務帶到其他地方。

Credit A PR rates are also on the table when it comes to negotiation, so try to get the best deal I've never negotiated.

信用A的公關費率在談判的時候也是擺在桌面上的，所以儘量爭取最好的條件，我從來沒有談判過。

I e mind if I try no charges before we name our number one pick?

我介意我在指定我們的頭號人選之前不收費嗎？

Here are a few honorable mentions.

這裡有幾個值得稱道的地方。

Don't pay off that bill early for certain bills.

不要為了某些賬單而提前還清該賬單。

Take your time lest you be charged a fee.

慢慢來，免得被收取費用。

I'll do this.

我會做這個。

It can't be that bad.

不會那麼糟吧？

It's just like a Band Aid.

這就像一個Ok繃。

It's gonna be fine.

會沒事的

Closing unwanted cards.

關閉不需要的卡。

Banks look at credit utilization when considering loans.

銀行在考慮貸款時，要看信用利用率。

Well, the decision you've gotta make is do I wanna live with credit or do I wanna end debt or do I want to live without it?

好吧，你要做的決定是，我是想和信用生活在一起，還是想結束債務，還是想沒有債務？

If you're gonna live without it, Then you can close up everything.

如果你要沒有它，那你可以關閉一切。

80 MPs don't withdraw out of your network.

80個MP不退出你的網絡。

According to a new report from bankrate dot com, out of network ATM fees have never been higher a 55% in just the last decade.

根據bankrate dot com的一份新報告，在過去十年中，網絡外的ATM費用從未提高過55%。

Free is relative.

免費是相對的。

Checking accounts can hide hidden fees.

支票賬戶可以隱藏隱藏費用。

I'm wondering what this fee on my A Countess.

我想知道我的A伯爵夫人的這個費用是多少？

I can't really talk about that.

我真的不能談這個。

Why not?

為什麼不呢？

Because that is a what?

因為那是一個什麼？

That's a hidden fee.

這是一筆隱性費用。

Wait, but I have free check Skin bank tellers aren't financial experts.

等等，但我有免費的支票 皮膚銀行出納員不是金融專家。

Consult a specialist.

諮詢專家。

Welcome.

歡迎你的到來

Miami Mutual Bank.

邁阿密互助銀行。

How may I help you?

有什麼可以幫你的？

My name is Frank Taylor.

我叫弗蘭克-泰勒

I'm a copilot for Pan am.

我是泛美航空的副駕駛。

I'd like to cash this check here and then I'd like to take you out for a steak dinner.

我想在這裡兌現這張支票，然後我想帶你出去吃牛排。

Oh, what more Mojo Context TV produces original high quality videos on business, entrepreneurship and politics.

哦，還有什麼Mojo Context TV製作關於商業、創業和政治的高質量原創視頻。

But from a different point of view, the battle is being fought between Netflix and YouTube.

但從另一個角度來看，這場戰爭正在Netflix和YouTube之間展開。

The Federal Reserve should remove all of the current board members who served during the fake accounts scam.

美聯儲應該罷免所有在假賬騙局中任職的現任董事會成員。

If you want exclusive interviews with industry leaders in depth media analysis and documentaries with a fresh take on the state of business.

如果你想對行業領袖進行獨家採訪，對媒體進行深度分析，對商業狀況進行全新的記錄。

Check out context TV number one Fees, fees, fees.

查看上下文電視一號收費，收費，收費。

Come on, goes your bank fees.

來吧，去你的銀行費用。

Yeah, we'll say it again.

是的，我們會再說一遍。

Fees.

費用：

Fees are a huge part of how banks actually make money from holding onto your money.

費用是銀行真正從保管你的錢中賺錢的一個重要部分。

They're relying on you, making a mistake now and then and paying the price in fees, fees and more fees.

他們在依賴你，時不時地犯個錯誤，付出的代價是費用、費用和更多的費用。

We're seeing little niggling and nickel dime ing, as they call it, bits and pieces here and there.

我們看到的是他們所謂的小打小鬧和五分錢，這裡和那裡的零碎。

And you could tell that they're trying to make money from the retail customer, but they're not all doing it in the same way.

而且你可以看出，他們是想從散戶身上賺錢，但他們的方式不盡相同。

This is especially important when entering into any sort of big money bank loan.

在進入任何一種大額銀行貸款時，這一點尤為重要。

Like a mortgage.

像抵押貸款。

Mortgage fees often lurk within the tiny print of the banking contract, so it's of the utmost importance to read all documents over and understand what you're getting into.

按揭費用往往潛伏在銀行合同的細小字跡中，所以最重要的是要仔細閱讀所有文件，並瞭解你要做的事情。

Here's another example.

這裡還有一個例子。

This bank statement is for a custodial savings account for the son of a colleague.

這張銀行對賬單是為同事的兒子開的一個託管儲蓄賬戶。

At the start of the quarter, it had $192 in it.

在本季度初，它有192美元的資金。

But as you can see, there was a string of withdrawals made by Chase Bank, the same goes for checking accounts.

但你可以看到，大通銀行有一連串的提款，支票賬戶也是如此。

Make sure that free account doesn't whack you with any expensive maintenance fees every month and you'll be a smart saver.

確保免費賬戶不會每個月用任何昂貴的維護費來捶打你，你就會成為一個聰明的儲蓄者。

Isn't that my money?

那不是我的錢嗎？

This?

這個？

No, this is mine.

不，這是我的。

What is my feet?

我的腳是什麼？

Pop, Not ATM fee.

啪，不是提款機費。

That makes no sense.

這沒道理啊

A customer service issue that's a fee.

一個客服問題，就是收費。

Do you agree with our picks?

你同意我們的選擇嗎？

Check out this other recent clip from Watch Mojo and be sure to subscribe and ring the bell to be notified about our latest videos.

看看這個其他最近的剪輯從Watch Mojo，並一定要訂閱和按鈴通知我們最新的視頻。