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- So my goal in thisvideo is to convince you, in the next five minutes, why the bank is a terribleplace for your money, and I'm also going to provide you guys with a much better optionthan just putting your money into the bank and letting it sit there. So, this is a concept that is nothing new. A lot of people have knownthis for a very long time, that, thanks to somethingcalled inflation, leaving your money sitting in the bank is actually a terrible option when it comes to preservingthe purchasing power of your money. And mainly what I wanna dohere is explain this concept in case this is something youhave never learned before. So if you are learningthis for the first time, please drop me a comment down below just so I'm aware of how many people never heard of this concept before. Or understood that you'relosing the buying power of your money thanks to inflation. Now, real quick, beforeI get into the video, I wanna give a quickshout out to Jeff Rose because he inspired this video. He posted a video talking about why banks are a terribleplace for your money, and he gave a couple ofother interesting ideas of where to put your money instead of putting it into a bank account. So I'm gonna link that video up down in the description below because it absolutely inspired this one, so thanks for putting that video out Jeff, awesome video there. Okay, so the first thingI want to talk about here is a survey that GOBankingRates conducted back in 2016, looking atwhat percentage of Americans actually had money intheir savings account, and how much they actually had saved up. And what they found is that34% of Americans have $0, absolutely nothing intheir savings account, and 35% have less than $1,000. So this is primarily focused towards those who have $1,000 or more sittingin your savings account. But even if you have less than that there are still better optionsthan leaving your money sitting there in a checkingaccount, or a savings account, and I'm gonna show youguys exactly what that is at the end of this video. Let's go ahead and take a step back here and go over some basicpersonal finance lessons by defining a coupleof terms for you guys. First of all, what is a savings account? A savings account is simplya place to put your money that you are saving, and this is money that is completely liquid, you have very easy access to this money. And then the other one thatgoes hand in hand with this is your checking account. And the only differencebetween these two accounts, typically, is the abilityto have a debit card and do withdrawals and depositsfrom your checking account, where you're not goingto have a debit card with your savings account. And that is primarilywhat these two things are supposed to be used for. The savings account is used to hold onto your extra money that youneed to keep in liquid form, and the checking accountis used to pay bills. But, what we are finding is that people are keeping way too much money in one of these twoaccounts and, as a result, they are losing thebuying power of that money because interest rates areextremely low on these accounts and inflation is significantly higher. And just to cover thosetwo terms for you guys, inflation is basically the deterioration of the buying power of your money. Basically, the best is example is it was a lot cheaper tobuy bread in the 1920s than it is to buy breadtoday because of inflation. Prices have increased and the buying power of each dollar has decreased. And then your interest rate is simply the amount of money due basedon a deposited sum of money. So when you put money into the bank, into a checking accountor a savings account, or some kind of certificate of deposit, they are going to giveyou a certain percentage of that money back every single year. Now, before you guys gettoo excited about that, I'm about to shatter that and show you why that's actually terrible. They're really not givingyou, pretty much, anything. So, according to Bankrate,the average yield for a checking account herein the United States is 0.06%, and I will tell you this, I did a video on thistopic about a year ago and it was 0.05%, sowe've improved by 0.01%, so we can all celebrate about that. But, obviously guys,that is a terrible yield for the checking accounts. And we understand thatinflation typically sits around 2% per year. But what exactly does that mean for those with a high balance intheir checking account or their savings account? If you have $10,000 sittingin a checking account for one year, you are going to earn $6 in interest from your bank. You're gonna, basically,earn enough to buy, I don't know, a coupleof Starbucks coffee. But you actually didn'tearn any money at all thanks to inflation. In fact, you lost $200dollars of buying power, even though you earnedthat $6 of interest. So your actual lossover that year is $194. So, even though you earned $6 in interest, your buying power deteriorated by $200, resulting in a loss of 194. And there are plenty of people out there with $10,000 or more sittingin a checking account or a savings account. Or, possibly, some kindof certificate of deposit with a yield that is lowerthan the rate of inflation. Now, it's even more drastic, or severe, when you look at peoplewith an even higher balance in their checking or savings account. So, take somebody with a $100,000 balance. If you give the bank $100,000, and they hold onto it for one year, they're gonna give you$60 worth of interest, which is, again, nothing. That's gonna pay for adinner at that point in time. But what most peopledon't understand is that, thanks to inflation, you lost$2,000 worth of buying power on that $100,000, meaningyour actual loss here was $1,940 over the course of one year by leaving $100,000 in the bank. And if that's not scaring youguys, I don't know what will, because if you're losing about $2,000, without even knowing it, then that's a pretty scary fact here. And my best comparison,that I've heard of before, for inflation, is thatinflation is like termites. Day by day, you don'treally notice the affects, but over the course of ten, 20, 30 years, the entire house can come crumbling down, and people can get wiped out by inflation by holding onto cash. And that is why peoplewho save cash in the bank lose money every single year. And the best rule of thumb to follow is, if interest rates for bankaccounts stay around 0.06%, for every $100 you have in the bank, you're gonna lose $1.94 toinflation every single year. So, what are we gonna do about that? I have a solution I wannashare with you guys. And that solution to this problem here of keeping up with inflation and protecting the buyingpower of your money, comes to us in the formof short-term bonds. Now, if you guys are anythinglike most people I talk to, you have no idea what a bond is. Maybe you have a couple of them sitting in your parents safetydeposit box under their bed, but other than that youhave no idea what these are. So, I wanna give you guys areally quick finance lesson here so you understand what exactly these are, and how short-term bonds differ from your checking accountor your savings account. So, a bond is, very simplyput, a debt obligation. It's an agreement to pay back dept over a certain period of time. And, basically, the issuer of this bond is agreeing to pay youback at a fixed rate, or it could be a variable rate, over a certain period of time. Now, as far as bonds, alot of people on my channel learn about stocks and the stock market, and bonds are a more conservativeinvestment than that. Don't really get as much coverage, they're just kind of boring,at the end of the day, but think about a stock as equity, owning a piece of a business. Whereas, if you are abond holder for a company, you are basically like the banker, you are just holding onto debt. So, people who invest in stocks get to capitalize onthe growth of a company, but bond holders are onlygoing to be paid back whatever the agreed upon yield is. They're not gonna capitalize on the growth of that actual company. So that's the difference there between stock holders and bond holders. Now, when it comes to bonds,there are three primary types. Number one, we have municipal bonds. This would be bonds to local governments or local villages, or cities. Let's say for example,your village or your city had to replace a road andthey didn't necessarily have the money for it,they might take out a bond that you would be able to purchase as a municipal bond holder. Number two, we have corporate bonds. That is when companies are,basically, issuing debt and investors purchasethat debt through a bond, because they wanna earn that fixed yield over that certain period of time. And then number three, we have the one that most people are familiar with, that is US Treasury bonds. This is, essentially, givinga loan to the US Government to fund ongoing operations, or to put it towards ourmassive debt shortfall. But US Treasury bonds areconsidered to be the safest, highest quality bonds withthe lowest risk of default. And what I mean by defaulting is to not be able to pay back that person, and to basically fallshort of your obligation to pay that debt back. And, as far as corporate bonds go, these are rated by Moody'sand Standard & Poor's, based on the creditworthiness of that borrower. And higher quality bonds are going to command a lower interest rate. Lower quality bonds are going to command a higher interest rate, because of that risk, reward profile. But that's getting prettynitty gritty here, guys, you don't necessarilyhave to know all of that to understand what we'retalking about here. Now, what I wanna talk toyou guys about, specifically, is a very easy to implementsolution to this problem of losing the buying power of your money, thanks to a new feature ofBetterment called Smart Saver. Now, just for the sakeof transparency, guys, I am affiliated with Betterment, but the reason why I amsharing this with you guys is because I believe in this product, not because of any kind ofbenefit for you guys using it. I do provide an affiliate link if you guys want to sign upfor Betterment under my link, but, by no means, do you have to do that. Smart Saver is, essentially,offering you a way to invest in these bondsand earn a rate of interest that exceeds the rate of inflation in a very low-risk manner, that gives you easy access to your money. So, instead of leaving your money in a checking accountor a savings account, Betterment takes that money and invests it in a portfolio of very low-risk bonds. And, based on today's interest rates, their anticipated yield from this account, after fees, is 2.09%. Meaning that, sinceinflation sits around 2%, you are fully protecting thebuying power of your money by using Smart Saver, and you're not losing thatmoney by leaving it in the bank. And what Betterment has developed here is a very easy way foryou to also get access to that money when you need it. So, let me walk you guysthrough the whole process, then we're gonna talkabout what Betterment is actually doing with yourmoney through its Smart Saver. Number one, this is obviously a feature reserved only for those whohave an account with Betterment. If you guys don't haveone, I provided a link in the description below,if you wish to use it. And I have also provided a link as well to Smart Saver if youguys are just looking to do some more research onthis option provided to you. But the very first step isopening an a Betterment account. Number two, that is when youcan enable cash analysis. And what that does isBetterment is going to link up to your checking accountand your savings account to start to get an ideaof your spending habits, and how much moneyyou're spending a month. What are your regularreoccurring monthly expenses? And once they understand these figures, they're able to understand how much money you should realisticallyhave in your checking and savings account atany given point in time. And then they enable a feature called the two-way cash sweep. I know that sounds confusing, but it's actually not confusing at all. When you have extra moneyin your bank accounts, based on them doinganalysis of your spending, that money gets swept overto your Smart Saver account and it's invested in theselow-risk, short-term bonds. That way it's protecting thebuying power of that money. And then, when your accountbalance gets too low, they sweep that money backinto your bank accounts. That way you have moneyavailable to pay your bills and if you are not a fan ofthat whole automated process, you can do this exact process yourself by monitoring thebalances of your accounts. But if you're somebody likeme, and you're very forgetful, this is a great option to havewhere they can, basically, automate this whole process for you, and help you protect thebuying power of your money. So once your money is in Smart Saver, what is Betterment doing with that money? Well, they're taking 80% of that money and they're putting it into a bond fund of US short-term Treasury bonds. And that exact fund is SHV ifyou guys wanna check it out. I'll also link it up inthe description below. And this is a short-termTreasury bond fund where all of these bonds are maturing within the next 12 months. So these are very, very short-term bonds and they are Treasury bonds. These have the highestquality of debt rating and it is very short-term bonds, meaning they are going to be paid back within the next 12 months. So we are talking about, basically, as low risk as you can gowhen it comes to investments, aside from some kind of insuredinvestment from the bank, and those do not provide enough interest to even outpace inflation. And then 20% of your money goes into short-term investment grade bonds. Think about money being loaned to large Americancorporations, like AT&T or CVS, these are the highest quality companies that have been around for a very long time with very high debt ratings from Moody's and Standard & Poor's, and that is what is meantby investment grade. So these are very, veryhigh-quality companies with long operating histories and a very well established track record. Picture yourself loaningmoney to corporations and companies like At&T, for example. And by doing this with your money, by sweeping that balanceout of your checking and savings account andputting it into Smart Saver, like we said, right now they're looking at about a 2.09% yield after fees, meaning you're buyingpower's being protected and your basically doing nothing here. You are allowing them to analyze the cash balance of your account and sweep that money back and forth to make sure you are notlosing out to inflation. Now, there are a couple of things that I want to talk about that differ when you look at having moneyinvested in short-term bonds versus having money in some kind of bank. And the number one thing thatI want to talk about here is FDIC insurance. When you leave your money in the bank, whether it's in a savingsaccount or a checking account, or a certificate of deposit, you are, typically, FDICinsured for up to $250,000. That means that if thatbank goes insolvent and they don't have accessto that money for you, you're going to get thatmoney back from this insurance up to $250,000 and you have to understand that there is no insurancein place for bonds. But before you get afraid of that, in order for you to lose the money that you invested with Smart Saver, we would have to see the USGovernment going insolvent and not being able topay their debts back, and we would also have to beseeing major corporations, like AT&T and CVS and, thinkof the largest companies out there going bankrupt. It would have to bethe worst case scenario of, basically, the governmentcoming crashing down as well as large corporations, in order for you to lose themoney you put in Smart Saver that's being invested inthese short-term bonds. And the other thing thatyou have to understand is that there is about a fourto five business day process between the money entering your account and leaving your account. So if you need immediateaccess to your money, this is probably nota good option for you. But if you would be okay with that, if you're okay with havingto wait four to five days for that money to comeback into your account, then that's not something that you would necessarily have to worry about, but I just believe thatis worth mentioning. And there are a couple of other benefits that are associated withinvesting in US Treasury bonds, so I wanna go ahead and sharewith you guys what those are. Number one, as we said,they are pretty much the safest investment out there, outside of an FDICinsured bank investment, and those do not pay enough,typically to outpace inflation, or you do not have liquidity, you don't have ready access to your money. The second thing is that US Treasury bonds are exempt from localtaxes and state taxes, so if you're worried aboutgenerating a large tax bill, that's going to relievesome of that burden. So it is a great investmentfor those two reasons because they are very safe and they, also, are easy on the tax bill. Now, is this the onlyoption when it comes to protecting the buying power of your money? Absolutely not, some people look at CDs that are offered by a bank, some people look at money markets. But understand that if youdo put your money into a CD maybe you're seeing 3% rates, but typically that's fora three to four year term, and if you take your money out early you're going to get a penalty. Smart Saver is essentiallyoffering you protection of the buying power of your money with, pretty much, completeaccess to that money at any point in time, ifyou're willing to wait that three to five business day window for that money to comeback into your account. And, like I said, if you guys are looking to learn more about other options, if you're not a fan of this, I have a bunch of videos about investing and other ways to protect thebuying power of your money. And I'll also link up to thatvideo that Jeff Rose did. And if you guys do wantto check out Betterment or Smart Saver, I have a link down below. It is an affiliate link, youguys don't have to use it, but understand that by doing so, you are helping to support my channel and allowing me to makemore videos like this. But thank you so muchfor watching this video. Like I said, let me know inthe comment section down below if this is the first timeyou're learning this lesson, and make sure you are sharingthis with other people who are, basically, losingmoney every single year by saving it in the bank. But thank you so much for watching, and I will see you guys in the next video.

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How to insert electronic signature in pdf document? Question :How to insert electronic signature in pdf document? Answer :Insert the electronic signature as shown below.How to insert electronic signature in pdf document? How to Insert Electronic Signature in pdf DocumentIn this article I will be sharing with you the steps to insert electronic signature in PDF document. I am using Windows operating system.Step : 1Create a new pdf document and name it as "Test PDF Document".Step : 2Open the new pdf document. Go to menu bar and click on View, then click on the View tab.In the view tab, you'll find the view mode, and click on view mode.In the view mode window, under "Text Format", click on the tab, and then click on "Text" tab.Step : 3Now it's time to add an electronic signature. So, from the "Text Format" tab, under "Text" tab, click on "eSignatures" as shown below.Step : 4Here, we are adding two eSignature. One for the first paragraph of the text and one for the second paragraph of the text.In the text section, click on the "Save as" option and name the new pdf doc as "First Page eSignatures".Step : 5Now it is time to insert the electronic signature for the first paragraph of the text. In the text section, from the "First page eSignatures" tab, click on the "Insert Electronic signature" option.In the popup that window, click on the "+eSignatures" button.Step : 6Now it's time to insert the electronic signature for the second paragr...

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We are not able to help you. Please use this link: The PDF files are delivered digitally for your convenience but may be printed for your records if you so desire. If you wish to print them, please fill out the print form.You have the option to pay with PayPal as well. Please go to your PayPal transaction and follow the instructions to add the funds to your account. If you have any questions, please let me know. If you have any issues with the PayPal transaction, please contact PayPal directly: I'm happy to hear back from any of you. Thanks for your patience and support for this project.~Michael

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