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"content" : "Would you agree that jobs aren't focused #ah on finances. I mean, #ah by that I mean people whose career"
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"content" : "involves some fixing other peoples finances and advising them. Would you agree that, that probably some of the highest pay jobs because the process is so complicated to the average man?"
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"content" : "Exactly, but I'm referring mainly to accountants whether because that job is the basically organized and unorganized math."
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"content" : "Do you think that's #um a high, highly paid top tier job."
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"content" : "I can imagine, yeah. I mean it's amazing that we will have #ah figuring out or (()) a few #ah bit more of information about finances can end up saving you thousands just"
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"content" : "small little shortcuts or #um how to's or [no-speech] just little useful life hacks I could ultimately save you hundreds annually."
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"content" : "Well that's the thing like you, you say there is properly just a hundred or less, but I probably would have from, just from a youth~ #er youthful perspective from someone who only sees these (())"
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"content" : "on mainstream TV I can't think of that many banks other than you know the big cooperate ones #ah branched out everywhere so of course the really ones I'm familiar with in the UK are HSBC Lloyds, TS~TSB"
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"content" : "and Royal Bank of Scotland, Barclays, Halifax #ah that's less than ten. I think that and then all the rest of all become #um so sub-banks as they are not primarily banks but they have"
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"content" : "#ah banking within the company so, for example, Mark and Spencers I think has its own banking but you wouldn't associate that with banking because it's mainly foods."
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"content" : "#ah Exactly. So like you said it's probably in #ah we gotta thing going on today, it's very more machine-minded, It is less of a, a personal touch or"
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"content" : "a personal sit down well kind of what we do like for instance I'm with HSBC as well, but #ah I wasn't always originally, I was with the Royal Bank of Scotland, but #ah"
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"content" : "I #ah I don't know why I just ended up sort of swapping #um I think, I think it was some, something to do with about a deal I imagine because obviously we have different banks"
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"content" : "#ah comes another different perks #um some of them will reward you for joining their bank by giving like say an extra two hundred pounds. I think that was a practice Barclays used to do, but then there is some other banks that have more leniency with overdrafts"
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"content" : "such as you are entitled to a larger overdraft or free or they will give you more time to pay it back where whatever sum like HSBC. I mean they give you the courtesy of a text actually saying #ah your account is,"
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"content" : "you know, reached zero or just gotten or just slipped into the minus #ah you have till quarter to twelve tonight to #ah pay it back or it become #ah a daily charge."
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"content" : "So I guess there are different protocols in system in place depending which provide you with, but I guess it's just like mobile companies, many different banks, different perks and privileges #ah"
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"content" : "and it's difficult to choose which one to work with really, which one to #um be a member of."
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"content" : "I mean, yeah, but I think I suppose to put the only problem at all with that is, is like you said everyone knows Apple is doing well, because everyone knows. I suppose you, you investing in the share will #ah"
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"content" : "will have a less of an impact because there will be so many people also investing in it. If you are investing in the beginning, I will say that's completely different #ah scenario but #um n~"
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"content" : "#ah and there is also it is a matter of #um when you would make that money back and how long the process would be until you turning a profit personally from what you've spent."
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"content" : "#ah It, it's strange #um when I think of, when I think of the banks, I think of that I, I think of it as what it primarily is, it's a business designed to just take your money and"
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"content" : "turn a profit on your savings. I mean, I know that I'm speaking the obvious but that's how I purchase, for instance whenever I think of HSBCHSBC as an organization I think they don't"
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"content" : "I don't mean this in a malicious way but just don't they particularly care because it's their primary purpose is to make money. However, when I say gone into my local branch or whatever, #ah you know the staff"
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"content" : "treat you very kindly I think because at the end of the day we are just people who are trying to earn their nine till five, it's not I, I have never felt mistrustful of those speaking to me about #ah these things I feel like they have always been helpful"
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"content" : "#um [no-speech] I have been overdraft well I used to be overdraft, well a few years ago when I was first getting to grips with banking because it was still new to me and"
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"content" : "one thing I feel like it doesn't help you with and I suppose that's again it is why it is designed to take your money is if you slip into an overdraft and it's a while till you get paid,"
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"content" : "It hardly helps much, they charge you daily because [no-speech] then the problem really increases. Because if you are already struggling to make up the missing amount in your account then"
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"content" : "how you suppose you pay the penalty as well, was if they charge you say weekly [no-speech] instead of daily, I would probably have more leeway with it because okay I have missed my deadline"
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"content" : "#ah and they have already charged for this week, give me some time to compose some money you know hopefully I can pay it back before increases on day seven but instead they do it daily and it's a horrible #um"
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"content" : "it's a horrible impersonal tactic in my opinion especially if you, go on."
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"content" : "#um yeah, yeah, I agree and another horrible surprise I have experienced before is when things are going well and my account is fine and I keep depositing money and things but then on the anniversary"
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"content" : "of the time [no-speech] wherein [no-speech] I must've had an overdraft so a, a solid year from the day I have an overdraft they will say oh by the way now you are paying the penalty charge"
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"content" : "for that and you think well I, I already squared that but now you could be paying in January two thousand, well in twenty-twenty for, for an overdraft in January two thousand nineteen and"
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"content" : "it's a horrible #ah [no-speech] it's a horrible thing to happen. #ah What do you think? I was gonna ask you this. #ah How do you feel about mobile banking, go online banking? Do you"
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"content" : "do you prefer it or do you feel it's sort of less secure or #um [no-speech] and or in-person do you prefer physically going into your local branch where at least you know the people are"
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"content" : "you know, the people are there to help you when there is no way and if that delicate information can fall into the wrong hands."
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"content" : "No, that's good. I and I agree it's #ah it's nice to see to check on your figures and then also if, if someone lends you money, you can just pay them back straight away by sending it to their account rather than"
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"content" : "having to physically fuss about with #ah physical money or just waiting till or whatever it's good, it's very convenient and it's very quick #um"
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"content" : "No, I, I can, no I agree. I mean there is nothing more disconcerting than paying to deposit your own money, because it seems kind of"
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"content" : "those like an option more and it's kind of counterproductive. [no-speech] It's"
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"content" : "#um I was not aware of that, no. #um We do have definitely PayPal which corresponds with your bank account because I think you can swap between the two or transfer between the two"
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"content" : "#ah but a lot, lot's of companies use PayPal as a #um as a payment option as well. So it's obviously becoming the norm, #ah the normal thing to do"
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"content" : "#ah at least in the UK so for instance on e Bay dot co dot UK or Amazon dot co dot UK and when it comes to the self checkout #um there is [no-speech] which you like to pay by Mastercard and"
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"content" : "Debit card or PayPal it seems to be the same to do personal where you are going straight to my bank account because it's, it's good too, I, it helps me keep track of"
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"content" : "how much I have got and how much I have spent, and occasionally I will use PayPal."
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"content" : "I suppose it make sense because #um perhaps when you have more than one branch in a not too far area from each other, #ah [lipsmack] they are going to #um you would probably get #um average of"
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"content" : "average busy days between the two, but then if you just focused on one of the, one of the buildings they probably have a more busy #ah chock-a-block day you know, loads of applicants and loads of #ah crimes and customers,"
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"content" : "#um but it's probably manageable and you are right, it probably saves, who knows much they are saving from #um but that's what happens these days with #um everything"
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"content" : "coming online all of a sudden beneath the physical as it starts to dissolve so [breath] you know DVD s was (())"
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"content" : "started to decline, that's what they call is blockbusters and I suppose #ah I have realised never thought it like this, but I suppose the same could be said with banks. In fact, I even heard a rumour that #um the next step is"
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"content" : "the disappearance of coins and using #ah cards, plastic cards, as the new sort of currency, I, I don't know how reliable that is, but it's, it's more of a theory based on"
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"content" : "how other things have gone, I mean when I went to London, it's so different to Wales because they have Oyster cards there and I'm sure you have the equivalent in America so if you are getting on a bus or something instead of always having to have the correct change"
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"content" : "you just pop your card down and it scans but #um we have, we don't have that in Wales yet, although I do think there are a couple of apps on mobiles that allow it"
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"content" : "Well it was in, it was, I can't even remember the last time, it was months and months ago, but #um no I, I feel like [no-speech] I don't think they would remember you because, well it depends wh~"
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"content" : "what are your business is with them there, because if you are just simply there to take out money or deposit money, then you are going to be lost within the same amount of #ah faces"
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"content" : "that they see because usually you don't require customer assistance when #ah you are depositing money or taking out money you just go to the self-reliant [no-speech] #ah"
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"content" : "ATM machines and do the business yourself. I suppose they would, I think it would recognise me if I always required assistance or I have some other inquiry that #um and they have always have staff members on duty"
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"content" : "#um to attend anyone that needs help. So you see like three of them behind the windows with people who wanna just cash in cheques and not use the machine"
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"content" : "but then you see now and actually a pers~ a person by the door ready to #ah greet you but #ah no, I."
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"content" : "I mean when I worked in a retail store the policy was if someone should [no-speech] #um try and rob you, it was, it was to be just let them because obviously your life's at higher priority than"
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"content" : "the money and I think it's the same standards in, in banks. #ah The only differences is that they think of you #ah a fake bag with #ah exploding gel in #ah but it surprises me that they wouldn't have"
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"content" : "#ah glasses, glass windows in the banks of America where [no-speech] where more advanced weapons like guns and things are available whereas in UK with it's just more knifes and but I digress #um"
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"content" : "thankfully because I never went to university. I never had to worry about student loans or anything #um [no-speech] but that, that is the hot topic #ah amongst one of my friends, but"
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"content" : "the way it works is you have to earn over a certain figure but even beginning to pay that money back but, but I, I have yet to see a bank or at least a bank advertise"
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"content" : "where they address this and give students a particular discount to help them with this, because I think there is a market there."
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"content" : "Exactly, I think they, I think they can pay for the, for the older bank than, than a student. I mean there are different student loan companies, but I have yet to see a, a bank helping take care of the student loans."
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"content" : "I can, I can already imagine and it's quite strange actually when I, when I think, well not think, when I, when I look back online at the, the differences in housing prices"
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"content" : "back in your day, when you were my age and in your twenties versus now is just absolutely amazing what you could buy or could afford back then. #ah I think there is no way you could afford that same building now where"
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"content" : "the way that the prices are spiked up #um in this economy."
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"content" : "#um It's, it's weird because #um it's almost like the new practice for young people is, [no-speech] is almost not to buy houses now but to just"
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"content" : "to buy apartments because obviously it's a lot cheaper and #um [no-speech] what just because it is a lot cheaper and #ah it's #um but they prefer bu~ buying a house"
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"content" : "and it's such a huge deal now and I think the only way it seems, it seems achievable is if you are just earning such a high figure"
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"content" : "and that is practical but then I think lots of people, my friend, Jack has just bought a house, but he has to have a good credit rating so nearly ten years #um after that I think he had som~ some help from his parents, but"
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"content" : "he works five days a week and that's [no-speech] and even after even working five days a week consecutively and saving his money he, he came nowhere near to affording and it wasn't even the full house, it was that, it was"
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"content" : "it was top of this joint house. I think he has got neighbours who live below him, but #um no just I think the average young person cannot afford a house, a housing anymore, these"
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"content" : "(()) these inflamed prices #um I think the thing to do, I mean that's what I think the reason they are so spiked up as well is because it encourages people to take out loans"
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"content" : "and take home mortgages and that's exactly what the bank wants and that's what the government wants #um but it's #um now if, if you are to ask me when do I think I will get a house, I can't, I can't imagine"
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"content" : "getting a house. I am just paying rent on a flat at the moment, but my own house and [no-speech] lord knows when I will be having that conversation if I will be ever having that conversation the way the economy is at the moment."
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"content" : "I think #ah I think I would have to buy flats and then rent them out to even think about aiming to want a house, but that to me seems to be the [no-speech] #ah the achievement that"
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"content" : "a lot people get. When people buy their own houses, that and at my age, they are in their twenties, I think now it solves like ninety percent of their problems #um"
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"content" : "because why do we work, to afford where we live and to eat #um and thins like that. I think that #ah #ah that's the game-changer in getting a house and, and this economy climate"
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"content" : "I agree. #um It's [no-speech] but again I suppose, I, I suppose people won't want security and idea but then of course"
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"content" : "by investing so much in it and now they have got to live on bread crumbs #um [no-speech] and they should live."
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"content" : "That's crazy."
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"content" : "It is #um it is alarming and I can, I suppose this is why it is so important to be aware of the legalities of all these financial things because otherwise you can, you"
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"content" : "you end up getting a skinned, #ah unskinned so that my buyer like corporate chains or ba~ online banking and things like that #um"
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"content" : "#ah No, I haven't, #um and thank goodness because you just gave me twelve reasons not to but #um no."
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"content" : "#er No, no I don't have to because #um my taste have always been quite #um basic and minimalist so when it comes to a mobile, I have seen some of these mobiles where you are encouraged to"
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"content" : "#um You can have the new iPhone but it costs so much you are gonna pay X amount a month until you've paid it off, but me, I would rather, I sort of #er"
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"content" : "nine times out of ten, I just pay it off right there and then, I don't know I, or I get one so cheap that you pay it off in your monthly deal and it's barely above the contract price anyway #um"
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"content" : "but no I never had to get a loan #um I think as I am older now the temptations are there such as if I want~ if I wanted to move into a new flat or #um [no-speech] or if"
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"content" : "I am looking into my first car that's #um I guess I would just be warned by numerous people that #um until I know for a fact that I'm able to pay the loan, #er the loan back, then you know, I should"
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"content" : "stay away from it completely and that's one tend to do because #um doing supply work there is no guarantee of a constant flux of #um of money but #um"
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"content" : "so the last thing I, I hate to do is take out a loan. The last I wanna do is take out a loan for a, a new flat or say a new car and then all of a sudden I'm hearing about all those lovely little #um"
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"content" : "(()) there is increases you have to pay and for, for paying late"
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"content" : "and no I, I, think exactly what you mean. I, it's #um I'm not sure if this is the correct term was it the housing mortgage bond #um"
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"content" : "or basically I, I remember they sort of contributed to the to one of the more recent financial crashes in America #um [no-speech] it was #um it was, it was when banks took"
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"content" : "in, in lay terms it was when banks took items that weren't selling or generating lot of money #um stored it, #um stocked it with other items that also didn't generate much money #um so basically (()) these things"
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"content" : "#um the value of the, the #um wha~ whatever thing that they managed to repackage it as something else #um and sell that on the #er it wasn't"
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"content" : "Say again sorry?"
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"content" : "Exactly, exactly, #um and of course"
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"content" : "Exactly so #um obviously #um one day the chickens came home to roost then it all fell apart. Of course I think there's a new version of that still exists (()) prettier newer name"
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"content" : "Exactly, #um and it's, you know, it almost makes you wonder if it really works based on #um real figures as in"
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"content" : "If, if everyone on the same day on the same hour decided to withdraw a huge hefty amount from a bank #um even if it is more than what you've got into the account so what they are gonna,"
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"content" : "you know, take it out so (()) #um would the bank, would the bank in question go into sudden meltdown or do you think they could shuffle things around #um imply they have money that they have actually don't have? #um"
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"content" : "because it's because obviously that has (()) as a corporation is different to an individual because if we spend our money and we don't have any more, #er there's no getting around that, whereas a company that"
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"content" : "takes money and distributes it in it's with, it's revolving door, I'm sure it come [no-speech] to delay itself in payment (()) months #um [lipsmack] until everything's reimbursed."
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"content" : "Exactly #ah which is why lots of people prefer instead of depositing or you know lump sum sort of earnings in a bank"
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"content" : "I, I mean it's a old bondage or the old cliche of sticking money in your mattress #um because at least you know, you got it then #um how do you feel about #um how do you feel about"
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"content" : "#um pensions in the, in the sake of now you, I mean I don't if this applies in America, but in the UK you have to opt-out if you don't want a pension or a part of payment into your pension, do you think that's right?"
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"content" : "#um because think of the one-handedness of the government sort of making you forcing you to be smart with your money so you have a future but at the same time, I think it's very manipulative to"
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"content" : "to force you to go for (()) to say no then just say yes."
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"content" : "That's a very, that's a, that's a very good way of looking at that actually because much is #um as much as we try to calculate how much I could have saved by the time #er that my pension comes, I have never thought about"
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"content" : "what the money would be worth in equivalence to that everything else and how it's priced because I mean in the old days I think, I think five pounds was a massive deal do you know what I mean?"
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"content" : "now whereas it's just loose #er couch cushion change #um who knows a hundred pounds a week could be the equivalent of filling up gas for your car and that's it"
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"content" : "that's very, that's very true indeed"
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"content" : "Yeah it's, it's a pretty simpler, a simple process, yeah the same as yours really, just for me pay the rent, make sure I've got enough for food and then rent and repeat"
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"content" : "communism #um I believe that wealth should be distributed evenly amongst people and (()) so they can rise #er"
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"content" : "and join the upper one percent to achieve the same things of the higher-ups do but (()) made a very good point in the same, the reason, one of the reasons that this wouldn't work is for the obvious that if you, if you've been poor"
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"content" : "or in the lower percents #um most of your life, then fundamentally you are going to not be very good with money (()) you know, some quit or an insult because it's scientifically true"
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"content" : "If you spend the majority of your life not particularly wealthy and then all of a sudden you won the lottery that doesn't mean now that (()) you might be people terrible with that"
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"content" : "but again this is one of the many many many reasons why communism just never works"
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"content" : "has to all be done by the deadline, did I miss anything, do I have to clear this or that, is this #ah do I get tax to this job and this job is freelance, but #um I think #ah"
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"content" : "yes, I will be facing the same #uh same thing next year now because obviously this is how it goes #um but yeah one thing I, one thing that we've been discussing when I am learning is #um"
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"content" : "is how things have always been #er deductible #ah and you don't even realize it but and of course"
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"content" : "because in a lot of ways you are taxing yourself on things already so why be doubly taxed so if you, for instance, I bought a, I bought a very cheap laptop recently I bought at hundred pounds and so I am able to do this new job"
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"content" : "so I am pretty sure by the time it comes around to #um declaring taxes that's gotta be deductible because #um"
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"content" : "exactly, #um so regarding the art to financial stuff (()) keeping ahead of #um tax forms and"
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"content" : "tax days (()) that's how it's gotta be, keeping, keeping on your toes about it because it's so easy to get mixed up and fall behind and then you can end up getting fined lord knows how many"
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"content" : "#er No I agree and that also then also the other thing is let's say your idea was put into practice #um how much money would that be to update every store corner shops and"
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"content" : "be willing to give their privacies, you know, for convenience right, for instance, yes I could give my thumbprint and you know it's definitely my account no one else has my thumbprint but then, of course, it's a reminder that the government has your thumbprint"
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"content" : "watermarks and different inks that reflect under certain lights that has just made it impossible to fake whereas if you got a plastic credit card with #um with an image on I just don't, I just"
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"content" : "unless they did the same complicated highly sophisticated things you do to a passport, I just think it's a lot easier to fake because credit cards are being faked all the time #um"
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"content" : "you know they get fake, they get falsely stamped and that kind of thing #um having an image should be no problem I think #um there have to certain things like an ordinary citizen wouldn't be able to fake attached"
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"content" : "other than the photo but it's not a bad idea."
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"content" : "#er Say again, sorry?"
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"content" : "#um Fraud and theft, #um (()) although there is one thing I, I have to respect about #um banks even though they are obviously"
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"content" : "if you've been, you find out that someone's spent hundred pounds or dollars in your account, first of all, the bank apologizes even though it's not our fault of their own, they, they have to reimburse you and then #um"
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"content" : "Thank you, Nigel."
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