🇬🇧 10 'Normal' American Things That Are SCAMS! 🇺🇸

[@ThoseTwoBrits1]

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[@Matthew4TheWin]

Scam.

[@ElleS572]

​@@Matthew4TheWin 😂😂😂

[@ElleS572]

So wrong Matthew!

[@jonduude]

@@Matthew4TheWin LOL British Scam. ;)

[@gaelliott61]

I agree that “editorial” opinion pieces, labeled as such by newspapers, should be required to be disclosed in broadcasts because many take it as “fact.”

[@marybaker8582]

It used to be clear. All stories were understood as fact unless labeled Editorial.

[@marybaker8582]

@Jonathan Parks missing the point completely

[@rhoetusochten4211]

Healthcare... It is so messed up. My step dad is a retired hospital administrator, and he's given me some insights. The scam is deeper than you know: the insurance companies basically choose a percentage of a cost that they'll pay. So the hospital increases the asking amount so that they get "negotiated" down to their actual desired fee. That's all fine and dandy for the two groups to play pretend, but if you aren't a part of the game, you're stuck with the inflated, pretend cost. Luckily, a lot of hospitals have programs where they discount certain services for "financial hardship", and that often just translates to "if you ask for it, that's enough proof you need it". I HIGHLY recommend asking about such services for the uninsured, or even those with sketchy insurance programs.

[@turtlescanfly7]

There’s a federal law that requires all non profit hospitals to offer “charity care” aka they must waive your medical debt if you meet certain financial hardship guidelines. California has a state law that applies charity care to all hospitals even the for profit ones.

[@jediping]

The US health insurance is a scam. Premiums keep going up, coverage keeps going down. And it’s also slow. I cannot get a psychiatrist appointment. My endocrinologist is at least two months booked. It’s stupid.

[@candycane6286]

There are scams all over the world.

[@rebeccahanson6941]

Healthcare in the US is the biggest scam ever. The fact that we have employers who know nothing about healthcare and how it’s paid for handle it is so absurd to me. People literally die because they can’t afford healthcare. It’s so sad.

[@greendragonpublishing]

Choosing a job based on the healthcare benefits (and not being able to afford to quit because of your health status) is ABSOLUTELY a thing here, and it's horrible. Especially as it means those folks with lots of health concerns, the ones that NEED healthcare the most, are often unable to work. And disability is a very difficult, convoluted process (it's been four years for me, an able-bodied accountant, to apply for my husband's disability, and we're still not approved).

[@SuperDrLisa]

Get a lawyer who specializes i Disability cases. My brother was denied , then 6-7 months later we got a lawyer and within a month or 2 he was receiving back payments from when he first applied. I went through the same lawyer and got it first time I applied. The biggest hassle was going to multiple doctors for evaluation of my claim.

[@jono8884]

Don't forget the Time Share scams

[@mkphillips59]

I don’t pay transaction fees? Lmao!

[@wfly81]

Is that a question?

[@mrdeleted]

I only pay them if i overdraft my account on one account but not the other and atm fees on both...

[@3DJapan]

Newspapers have opinion columns, why not TV?

[@jimtrue1465]

In America, it is extremely easy to avoid bank fees. I have never paid a bank fee on any of my bank accounts in my life.

[@Deanstanley]

Correct. It does take much effort to avoid bank fees just a little bit of research.

[@barbarakiewe2870]

It's unfortunately virtually impossible to remove bias from news. There are some news journalists who you can tell make a genuine effort to avoid spinning the news, but even in these cases, the news still ends up biased because the mere selection of what stories to cover influences the tone. There are some stories that will be discussed constantly on one channel and you switch to another channel and you'd never even know the story exists.

[@specialnewb9821]

Well also something a person views as biased may not be, the person just doesn't want to engage with unpleasant facts.

[@Stache987]

There used to be a American law that required news to be backed by factual statements, it got repealed, and now we have fox news and the like, anyone paying attention to these outlets do not realize what is going on and is being filtered from them.

[@ljcl1859]

In the 80s newspaper articles and the nightly news were just the facts. There was the editorial page, that was allowed to be the editor's spin on things/opinions, but the rest of it was supposed to be just the facts. Today news outlets do not follow these same rules.

[@SBC581]

I once transferred to a new bank. The old bank auto charged me a monthly fee that overdrew the account (because I took the money out). Then they charged an overdraft fee for the monthly fee. Then they charged an extended overdraft fee. Then they wanted me to pay $70 for the fees to close the account that was only overdrawn because they closed the account late. Poor service is why I changed banks in the first place.

[@sambee3001]

I am so glad you can see the “news” here in America is fake , it’s absolutely sickening. Love you two 🥰

[@passingthroughtime3033]

MSNBC is the worst

[@sambee3001]

@@passingthroughtime3033 Yup! they are the worst!

[@loosilu]

I don't think the UK has any networks as vile as Fox News.

[@sambee3001]

@@loosilu Fox compared to CNN, MSNBC and NBC definitely shared more truth though 🤷🏻‍♂️

[@loosilu]

​@@sambee3001 They have been proven to lie more than any other channel.

[@dougl4127]

In the USA you can go to local Community Colleges for free or just a few thousand dollars a year. However, a $300,000 Harvard education is worth its weight in gold. At the end of the day a college education does not guarantee you anteing if you do not have a huge drive to succeed.

[@LyleFrancisDelp]

OK, as far as the news as entertainment, I'm totally on board. There are no longer any journalists in the USA....only talking heads with opinions....and you know what they say about opinions.

[@SGlitz]

Journalism is dead. Propaganda is all that's Left (pun intended).

[@vodriscoll]

I have been with my bank for over 30 years and have never had a bank fee, but it's a regional community bank, not a national bank.

[@allen9069]

I've had an account with one of the major banks for over 20 years, and like you I've never paid a bank fee, except when I use the card outside of the US. Same with my account at a credit union I've had for many years as well.

[@lauraweiss7875]

I also have no bank fees. Why? I don’t overdraw on my account, and I don’t pull cash out from random ATMs.

[@mermaid1717]

I have a $1 membership fee with my credit union per month, but I make more in interest from them each month so I'm still winning 🤔🤷‍♀️

[@Stache987]

@@lauraweiss7875 so you're one of those targets on long distance trips?

[@amj4]

I’ve never had a bank transaction fee ever, even when traveling in Europe.

[@chris4484]

I think it depends on the bank you use

[@pacmanc8103]

I haven’t either. I think it depends less on the bank and more on the type of checking account you have.

[@ryansears4387]

Already in a Get-Rich-Slow scheme, I have a job. lol

[@bkm2797]

Yes, scams abound these days, never seen it this bad. I don't answer my phone anymore because 80% of the time it's some sort of bloody scam. Helpful Joel and Lia, thanks for sharing.

[@ElleS572]

I have AT&T, and they have a thing called call protect? It will flag scam calls so you will know not to answer. It will block unwanted callers as well.

[@bkm2797]

@@ElleS572 Thank you, I might check that out! Cheers

[@rhoetusochten4211]

@@ElleS572 it's not perfect, but I do get a couple "possible scam" calls a day.

[@miker.9138]

A lot of banks will charge a fee if you maintain below a certain balance. It's like, "You don't have any money? Well, that's gonna cost ya."

[@marydavis5234]

My bank charges NO FEES for anything.

[@dougl4127]

In the UK you pay much higher taxes than the United State and why you get socialized healthcare included. Most medium or large companies in the USA pay the majority of the healthcare premiums. I pay maybe $2000 for healthcare premiums for my wife and I. The poor have free Medicaid or subsidized healthcare through the Federal Government.

[@georgecooksey8216]

Yes - thank you for pointing that out. All I hear is how health care is "free" in the UK and Europe.

[@christophermckinney3924]

When you set up a bank account, you choose which type of account you want. These have certain parameters. These may include fees for your balance dropping below a certain level, or fees for bouncing a check, or for being overdrawn in your account. Personally I think they should just suspend withdrawals from the account until you get the balance back up to the required levels, but here in the states they charge you fees for these things and it disproportionately negatviely affects the poorest people.

[@MsTrain69]

Don’t get me started with the news media. From CNN to Fox News, it’s all mostly opinions. 🙄 I watch NewsNation because they are mostly neutral, except for the individual shows they have. I watch their news and decide for myself what I think about topics. That’s the way journalism is supposed to be.

[@debc4542]

That’s fnc. There are news anchors and opinion shows.

[@MsTrain69]

@@debc4542 NewsNation is a different network than Fox News.

[@debc4542]

@@MsTrain69 no duh. You stated in your comment that fox is mostly opinion. I don’t agree. They also have straight up news.

[@garyballard179]

@@MsTrain69 A couple of the execs at NewsNation are former Fox News. In fact, it was a "controversy" when they first started up. They're accused of having a conservative bias. To quell the controversy, they hired another ex-Fox News exec. So, yeah... You're still getting the same biased news as everybody else. They just pretend to be unbiased. Of course, everyone at CNN thinks CNN is neutral. 🤷

[@pacmanc8103]

@@debc4542 Not one of the cable channels is straight news. CBS, ABC, and NBC are in their 30 minute evening news broadcasts, as is PBS. (Watch the predictable portion of the population go nuts!😛)

[@mikeluka5225]

Imagine watching the BBC. Who’s opinion?

[@LarryHatch]

If your US bank charges you for a savings or checking account, you're not looking hard enough. People like stupid sheep just put up with it and complain. I have no minimum balance and have not spent a nickel in monthly fees in 15 years because I go to a bank with free checking. Free checking is all over the map and strong, reliable institutions too. And go to your bank's ATM (or collective group) and not someone else's bank or group to avoid $2-3 charges. I can go anywhere in the US and if I stay "within the network" there is no fee even thousands of miles from home. Take 20 minutes and learning about ATM networks and plan your trip by withdrawing cash at home first and then only in an emergency go to an ATM in the network in another town. You have to prepare and be aware.

[@bsandey]

Agree - Shop around for a bank account. I've found that a lot of the big banks are the worse ones for bank fees. I'm with a regional bank, and as long as I have direct deposit, I have no monthly fees or minimum balance on my checking account. I don't get any interest either, but I usually don't have enough to make much. My savings account also has no fees, but you need a minimum m balance for that. I also have overdraft protection that will take money from my savings to cover any overdrafts, but that has a $10 fee for each time. Easy way around that is just be aware of what's going on in your account, and if something happens that it will drop negative, I move the money myself from savings to checking, and avoid that $10 fee. But the main thing that is a scam is overdraft charges. I don't know how they do it in other countries, but here in the US, they charge you a fee for not having enough money. Sometimes you might get lucky and they cover the charge anyway (still charging you a fee), but if it happens too much, they can start denying that charge, and then you have to pay back the place you used it at, and possibly face criminal charges for not having money. All this can be avoided if you just keep track of your accounts. Deduct what you spend as soon as you can, whether you track it on paper, in a spreadsheet, or a software program like Quicken (which also let's you enter transactions on your phone). If you have automatic payments coming from your account, know when they happen, and deduct the money before it happens so you know it's in the account when it comes due. And never ever "float checks" (write a check hoping that it takes a few days before it shows up at your bank when you have payday coming up in those few days).

[@robertsitch1415]

Bank fees are more unavoidable in Canada.

[@dougbowers4415]

Ever heard of Piers Morgan? You’ve got it too.

[@hardar42]

So true! I was thinking the exact same thing!

[@georgecooksey8216]

And the BBC

[@marksolum1794]

These days everybody in every country adds their opinion to news. There is not one real unbiased news program I can think of.

[@LyleFrancisDelp]

By the way, MLMs are not "normal" in the USA. A rather small portion of the populace are involved.

[@eksortso]

That is true. But so much of these things involves selling someone else on doing your own job. So it's a social thing, and a ripoff of an investment opportunity. I've known folks in MLMs like Amway and random cable and gas providers. They made a lot of money, but they really weren't happy with the lives they chose.

[@Alex-kd5xc]

I wouldn’t say they’re normal but they definitely are still pretty widespread.

[@jettqk1]

For a while, between about 2006 and 2012, it felt like everyone I knew was in an MLM. Mary Kay, Premier Jewelry, Pampered Chef, Slumber Party, Arbonne... Even now I have friends selling essential oils, lotions, clothing, or workouts/powder shakes.

[@Deanstanley]

"By the way, MLMs are not "normal" in the USA" So true. MLMs are no more "normal" in the USA than they are in the UK. I know this channel has very many extremely devoted American fans, but I'll never understand Joel and Lia's need to tell lies about the USA.

[@eksortso]

@@Deanstanley I can't assume they're lying. It just could be their experience brought them across a lot of MLM people where they happened to explore. It could be regional. Most of my life has been in western PA and I've personally come across exactly two separate MLM schemes in 25 years. That's it.

[@ripplesnake]

Just saw the clip of you two at a gun range. It was on the Brandon Herrera channel for an episode of the Darwin awards. As a gun owner, please don't handle firearms again...ever.

[@gemoftheocean]

This I gotta see.

[@ripplesnake]

@@gemoftheocean kzbin.info/www/bejne/lXqVk6ubhqqUbLs

[@JWCinPDX]

Really? MLMs? Don't look too closely, but they have MLM's in the UK and they are decidedly not normal in the US. Most normal Americans realize that MLMs are the scammiest scams. People who go down that rabbit hole are the most boring people ever.

[@debc4542]

Company’s offer health insurance but it’s not free. Those days are long gone.

[@lucasmcloughlin4917]

Hey, I’m from the USA (sadly 🙄🙄🙄). 2.5 years ago, I had a double inguinal pulled hernia surgery repair and have yet to pay off the $39,769 medical bill. Cost of anesthesia was $1,200. It sucks to be honest 😭😭😭💩

[@pbtraveler694]

well, I've had 2 knee replacements and my insurance paid everything, which was thousands of dollars

[@mynameisharlan]

@@pbtraveler694 Millions of Americans don't have insurance. Why is that? I come from a third world country. If I had a hernia surgery repair in my country, I would pay 0 or close to 0 because we have universal healthcare.

[@pbtraveler694]

@@mynameisharlan We don't have socialized medicine; many of us have jobs which provide insurance (we contributed part of the cost). When we retire, we are eligible for Medicare insurance which we have paid into throughout our working careers and then we purchase a supplemental insurance, so both of those cover most or all costs. Some jobs do not offer insurance, but if you can, it's a good idea to find a job which does. The better education or technical training you get, the better chance you have to find a job with benefits (insurance,) or be able to afford some kind of insurance. For those who can't pay for insurance, there are low-cost clinics. There are other programs, such as Medicaid for children whose families can't pay for insurance. There are also options like health sharing programs, such as Medishare, where people pay in to a group program at a lower cost, and everyone involved thus helps cover costs when people need it.

[@lavenderoh]

@@pbtraveler694 that's BS, there are co-pays for everything.. insurance only covers "nearly everything" when it's a huge hospital bill. Doctors visits, prescriptions, labs, etc are not free. People who talk like you are just indoctrinated to think like that, it is not reality. You still pay medical bills while also paying for private insurance and by the time you get Medicare you have paid for that too. It's never ending.

[@lavenderoh]

@@mynameisharlan insurance is expensive and often not worth it if you're young and healthy it just seems like a waste because it's hundreds of dollars a month and you still have to pay fees/remainders for everything medical because insurance doesn't ever cover the full amount. Unless you're in an accident it's money down the drain.

[@TWOnly666]

These are scams in America, this is also a scam here in England.

[@lavenderoh]

Yes and we're aware they're scams in America too, they're not "normal".

[@3DJapan]

Funny thing is I have Medicaid healthcare due to my low income and a health condition so I don't pay anything for it. But it's really really good. Every time I go to the doctor or hospital it totally free. Almost all of my prescriptions are free. One of them has a $1 charge. So while some people are afraid of losing it if they lose their job I'm the opposite. If I suddenly got a really good job I would lose my amazing healthcare.

[@Kim-427]

I have it too because I have a chronic condition. No one ever talks about this when healthcare is discussed. I think it’s so unfair because it creates an unfair narrative of our healthcare system in this country. It’s sort of our version of the UK NHS. I get annoyed every time foreigners talk about our healthcare system. And I responded to your comment but most Americans ignore us when people like us mention this because it doesn’t support their complaining.

[@ralphmarkasher]

I'm 70 and I agree with you about these items. When I went to college it cost me about $100 a semester.

[@JasMcKenzie]

The FCC used to have a fairness doctrine which required broadcasters to present opposing opinions on controversial topics. Thus was eliminated during the Reagan administration. I guess in the age of the internet and cable television it wouldn't really make much of a difference.

[@wwoods66]

@@beaatpeace2490 "dissemination of propaganda" has been legal for centuries: "Congress shall make no law ... abridging the freedom of speech, or of the press;"

[@beaatpeace2490]

@@wwoods66 I'm talking about in reference to the press. Previously, there were laws that dictated they tell the truth, because they were considered a necessary part of deseminating gov info. For all intents & purposes, those restraints were removed in 2012. Edit: SMM specifically says they're allowed to propagandize now.

[@DE-vs2xy]

Another massive Reagan failure.

[@scottjohnson5415]

I remember when broadcasters where giving an editorial opinion they had to say so beforehand.

[@william2085]

The fact that you think Buttfeed is a legitimate resource is hilarious.

[@rich7447]

In state turion at a public college is between $8k and $12k a year depending on school When it gets expensive is when you opt for an out of state school or an overly prestigious school. Tuition has gone crazy since the government guaranteed student loans. Any loan that you take where you only pay the interest is going to cost you a fortune.

[@Anna-B]

When I was a freshman, a senior on my cheer team joined an mlm, and I thought it was so cool 😂! It was Mary Kay, a make up company. One of the og mlm’s

[@drewpamon]

Not sure that buzzfeed understands the word scam.

[@georgecooksey8216]

The pot calling the kettle black

[@mermaid1717]

I have a membership with Busch Gardens which gives me 10% off all food in the park, but then they add a 5% surcharge onto the bill before taxes🤷‍♀️

[@willp.8120]

I paid for cheap hockey tickets. After the fees, I saved about five or ten dollars, or somewhere around there. However, I thought I'd be saving about fifty.

[@mermaid1717]

@@willp.8120 everything else with the Busch Gardens membership I'm saving a TON, but the 10% off food just to add 5% back is the stupid confusion. Just give members 5% off & say that from the beginning.

[@hollykinslow5193]

Scammers are everywhere!! My son, a criminal analyst, even says the "catfishers" on IG are all AI. Now that's a scary thought🤖😳

[@beckyking9704]

Also, if you sell for an MLM, you are not a “small business owner”🙄

[@Jay123hollis]

BuzzFeed is not a good source for anything.

[@aimeeguzman6758]

MLM are the worst scams! The product always costs way more than they are worth and besides the first few people everyone else loses money. So awful! I don't know why anyone still gets involved in those!

[@theheartyaerie]

Lol overdraft fees. When you spend money you don’t have that charge you more

[@greendragonpublishing]

My degrees were definitely worth it. I have a Masters in Accounting, my CPA license (like a chartered accountant) and my career is worth that. But many degrees are not.

[@marksolum1794]

My first year in college I paid $162.50 per quarter for up to 20 hrs (1974). It has been raised every year, but one, since then.

[@kathcook6737]

You should have got a Care Credit card . If you could qualify.. I had a 75 hundred dollars surgery and I charged it . I had no insurance at that time.. 2013.Damm Obama..

[@ryanm8132]

I’m lucky with the education as I go to a community college so it’s significantly less about $800 a semester and I rarely have to pay for textbooks

[@BeLikeNexus]

You rarely have to pay for textbooks? Wtf

[@ryanm8132]

@@BeLikeNexus yep. Usually the professor do use text books so they recommend not buying them. So I wait to the first day of the semester to see if I have to but them

[@HeidiJetty]

The problem with scanning the American newsreaders for facts is the media needs to sell advertising to survive & opinion sells. The corporate owners demand a political view points to the news. The newsreaders and our English friends here were inspired by our particular blend of bad news & political opinion.. If it bleeds it leads on their shows & print Yes, Boston College costs $60K a year as they quoted. However, a community college might cost less than $10 annually. So for some community colleges & even high schools offer college courses that are of high quality, transferrable to 4 year institions. Banks are loaded with fees, but there are so many banks that have no fees. Literally thousands of banks, S & L's & credit unions are great for practical capital sources & very much appreciated for their services. So shop around for the best deal & forget those banks with fees. You do have lots not choices.

[@murfilee17]

It’s insane how many people stay at their jobs because they need the insurance (In America). What’s even worse is they’re paying out the rear each month to even have the insurance to begin with. So they’re paying and suffering at a job they don’t like JUST for the coverage. Also, sometimes the insurance isn’t even good!

[@zarl8226]

The Healthcare system is the biggest scam here

[@casey5260]

MLMs are so predatory. the chances of making money in them are very very very slim. and even then, do you want to make money by harassing all of your family, friends, and everyone you know to buy your product?

[@bagelj]

The truth of MLM is that it’s the item or service does work but the methodology on how to make money in it was designed intentionally not to work. The whole idea is to sell materials and education and hard products to go with it. To make one to go through the hurdles at difficult levels for that person to mentally give up. The person that is getting you to join is relying on recruiting new people all the time, and not sustaining them. They rely on attrition of members, hoping they just give up and move on to something else.

[@151lillady]

American here totally agree with journalists it’s why we call them fake news

[@dtwolfe63]

When I attended university in the 1980's tuition was pretty affordable but the books were expensive...especially if the book was written by the professor him/her self. There was one class I had in which I was required to buy this book (I bought a used one and it was still $150.). And we only used it for one chapter...FIVE PAGES!!!

[@heidimarchant5438]

You have to know that if you're watching "opinion news" then take it as that but if you're watching proclaimed news then hold them accountable, it's simple.

[@markjones4814]

Hilarious you say news as entertainment. But you look to Buzzfeed

[@3DJapan]

10:09 I read a study that said 3% of full time KZbinrs are above the poverty line. I do my channel because I like it but I basically make enough to pay my cellphone bill each month (including payments on my phone itself).

[@ania5038]

I bought jewellery from an MLM once (and my next-door neighbour happened to be a salesperson which was so bizarre when she arrived at my door lol) and I didn't even know it was! Some of them are so sneaky!

[@tangerine4665]

Whole life is a scam. Life is soooo expensive, and I’m not even having THAT much fun. Like, what the hell life.

[@jimindetroit9461]

My daughter is in medical school. $100,000 per year. 4 year program. Then there is a complaint that there is a shortage of physicians. Wonder why!!!

[@allanhindmarch7323]

The concept of "we all do well if we all do well" is what society is supposed to be about, but that's not what a pyramid scheme is about at all.

[@lavenderoh]

Yes that's socialism, not mlm lol

[@SouthernArtist77]

Opinion “news” is the worst thing to ever happen to America. It’s my biggest gripe about my country and it needs to stop ASAP!

[@susanstein6604]

The BBC news reporters are opinionated. I notice it. You’re ignoring it.

[@JML6988]

MLM can work for most people so long as what they want out of it is limited. If you're looking to retire off your mlm, ain't gonna happen. On the other hand, if you're looking for a side job to help pay for Christmas presents or to supplement your already existing summer vacay budget, then mlm can help. Keep it realistic.

[@Blend-24]

It cost MORE to be POOR.

[@Trifler500]

1) "We're going to charge you for being broke" - There's a bank fee for having less than $200 (the exact amount varies) in your savings account. If you maintain that amount, there's never a fee. 2) Yes! As an American this absolute kills me as well. I remember Fox News was taken to court for *deliberately* lying (not just misleading) a number of years back. The lawyer for Fox flat out stated that there was no law against lying. The judge said that sadly the current law defines the news as "entertainment" so there was nothing he could do. In his opinion, he urged Congress to change the law so that the news would no longer be classified as entertainment. Unfortunately, nothing has been done about that. 2a) We do have talk show hosts, which are separate from the news programs. The talk show hosts have no limitations on opinion. Generally, if you look at the channel guide and the program name has someone's name in it, then it's not a news program. I don't think the last one is only in America. People anywhere can and do pitch "secrets" that they'll only give you if you pay X amount first. :)

[@Kim-427]

That’s so true!! I still don’t like the banks that only ALLOW you to take a limited amount of your money out. That’s ridiculous! It’s MY money! Smh While I get what they were trying to do things are pretty much defined as far as news. There are your network local news anchors and then you have your “Fox” political news talking heads and then there is Entertainment Tonight show host and then the social media gossip types that pass themselves off as wanna be journalists. But,I believe many of us know what we are getting when we watch these people and particular programming. Just like these two are scammers. Lol I no longer buy into what they do. I caught on a year or so ago and stopped watching as much. They’ll still come up on my feed and I will take a look and chuckle. I love Joel though😉☺️

[@Trifler500]

@@Kim-427 Yeah. I switched to a credit union instead of a bank a couple of decades ago and have been a lot happier ever since.

[@Allaiya.]

1) Financial savvy people don’t get transaction fees bc… they use Credit Unions. You get “non-sufficient fund” fees if you try and buy something via a check that you don’t have enough $ to in that account to pay. It’s annoying & sometimes it does take a real persons time at the bank to have to reverse all those transactions that aren’t good, so it’s to persuade irresponsible people from making purchases they can’t afford. I agree sometimes these fees can still be excessive though. A lot of retail places no longer accept checks for this reason, because it’s a hassle. And there are regional banks that will work with people if it’s a first time offense. You don’t get charged for “not earning $” 2) yes, the 24/hr cable programs have a lot of editorial prices that are casted as “news”. State/Local news is better & newspapers have to disclose opinion pieces. 3) Yes,they are. I think most students after freshman year realize that. I didn’t have the option to rent, like they do now adays. Buy used textbooks. Unless of course the professor makes their own book and makes it a “requirement” of that class. Now that is a scam!! That said, community college is much cheaper and many people do not take advantage of it. 3/4) if your balance is going up every year, it’s called negative amortization. Meaning you’re not even paying all your interest off each year, and therefore it gets added to the principal balance & you owe more each year. I feel like that’s not legal in the US unless someone is on income based repayment each year (meaning you have to prove you don’t make enough to pay the full P&I payment). Usually by default they put you on 15 or 10 year fixed loan terms for federal government loans. The scams is the rising tuition rates & the US gov guaranteeing the loans for anyone with a pulse. 5) MLM are definitely scams. Savvy Americans know this. But many naive people get pressured by their friends and family who sign up. 6) Agreed. I have great health insurance but I do think we need a mixture for those who don’t. Excellent point at the end. As always, if it sounds to good to be true, it likely is.

[@shaunvlog]

I was watching the news out here when we arrived and did find the lack of objectivity across the board quite shocking. Then I turned on History channel and it wasn’t history. So I’m sticking to MTV and Catfish 😂

[@ElleS572]

Have you watched the travel channel lately? It's mostly paranormal and ghost stories now. Why can't they just make a paranormal channel and actually show traveling on the travel channel, does it make sense?

[@rhoetusochten4211]

Hey, it's Shaun! MTV isn't music television though, is it? (But I do enjoy Catfish)

[@michaelb.3982]

MTV is for our weakest and dumbest.. Who watches that mess ? It's for simpletons.

[@bryonthor]

Worst thing about paying for college, is the professors just try to dump their opinions on the students. Here's an idea JUST TEACH ME WHAT THE COURSE IS.

[@soupwifey]

Overdraft fees made me -$30 broke long ago. The bank I use doesn't charge a fee and I actually earn interest in my money the more I save it.

[@melindercaudell9120]

We also hate it that there is no real news here. It was not like that when I was young.

[@ljcl1859]

As a teen in the late 80s early 90s, we were taught in school, that news media was supposed to just present the facts and not opinions. There was an editorial piece in newspapers, that was allowed to show the opinion of the editor. However, it was just supposed to be the one article or topic. It was the same with the news on television. When doing these types of writing assignments (news) we had to be very careful to keep to the facts. It is absolutely shocking what the news has become. I actually don't get the newspaper anymore for that reason. I find it very irritating to watch the news in this country. I'm glad the UK hasn't fallen into this trap and I hope they never do.

[@KavaKavana]

I was watching you guys in target and seeing all the sale signs and thinking “I wonder if they realize all the scams being run here?” That was earlier this morning. Psychic?? 🤔

[@AndyGarcia82]

Guys, tuition for university in the US is more like $50,000 a year!

[@bigredtlc1828]

I get 1 to 2 cents every 2 months in my savings account. And the bank calls that an interest-bearing account. For realz. Unbelievable.

[@jodymazzarese5151]

Bless your hearts, so glad you enjoyed your visit ❤️🇺🇸🦅🙋‍♀️

[@jmcg6189]

If they say it is not a pyramid scheme, it's a pyramid scheme.

[@melissajackson4173]

Jobs that advertise healthcare doesn’t mean it’s free you still pay and it’s not cheap. Why they advertise is because it’s easier to get it through your work than have to pay privately or Obama care. At least that’s how I think it works.

[@MeanJohnDean]

So it's a scam like: If you like our content the join our members only page and you'll get extra content. I'm just saying. No offence ment.

[@gordonwallin2368]

Cheers from the Pacific West Coast of Canada.

[@annaburch3200]

MLM's make me sad. I started selling a product I LOVED and wanted to sell it because I thought it was great and the brand new company didn't seem like an MLM, but pretty soon, the company started growing and became blatantly scammy when I didn't want to recruit people and the company stopped supporting me. I still love their product, but quit selling it as soon as the company trajectory changed. Buh bye! Sad. Good product. Oh well. It was an experience.

[@olgakoloskova4573]

Thanks for the video! This is so encouraging.🥰🥰🥰

[@thecontinental8978]

On the college costs, as long as the government gives loans the colleges will continue to keep costs high. If loans weren’t given for large amounts the colleges would have to price their product to attract students.

[@rhoetusochten4211]

Agreed. The government will loan out almost any amount with no real accountability as to how you'll be able to pay it back based off the education you're receiving. Then they pushed "higher education for every single person". Now colleges can charge whatever they feel like because there is no responsibility.

[@gemoftheocean]

Thank Barry Hussein Obama for that.

[@kansascitygirl4136]

Banks are FOR PROFIT BUSINESSES!!! Not a service.

[@marybaker8582]

Different types of bank accounts have different requirements. Example you get interest on money in the account, but you have to keep a minimum balance. If your balance goes lower than the minimum, then u pay a fee. The definition y’all are using for the word “scam” is not the same as here.

[@Stache987]

I've got a bank in my town who requires seniors to maintain a $1000 bank balance all month to avoid a $13.00 fee, I don't see any benefit to banking there, they like most other banks around charge you fees to use another ATM, plus the ATM operator does too. I'm off all day and can get cash from a teller for free at the bank i use, and off hours they do have one ATM 15 miles away.

[@timofeegraaay8165]

My cousin works in Admissions at a small private liberal arts and sciences college. It is a good college with an very good curriculum and only about 2,900 students. I went to undergrad university with 24,000 students. She says the $51,000 per year tuition is not paid by anyone. You get accepted and then submit your financial condition and you end up with some sort of grant. You can get government student loans as well. Maybe the Kennedy’s and Rockefeller’s pay full tuition to attend top universities or colleges but most do not. It is like paying full price for a new car, that only happens if there are only two or three cars on the lot like now. But normally you would never pay sticker price. College for me paid off big time, I know it got me promoted in my company and a foot in the door. But I don’t recommend college for everyone. If you want to be an engineer, doctor, accountant, attorney or other professions you must have college but if you are studying Art History, Geography, World History, Cultural Anthropology and so on you are getting a ton of interesting knowledge but you probably will never get your investment back in terms of wages. Trade schools are important and we need to establish them again in the US. You can make a nice living in HVAC, plumbing, truck repair, railroad jobs, wind technologies and metal pressing, so on.

[@NicholasJH96]

Community college in the USA is like U.K. colleges but Yale & stuff is classed as university here in case you didn’t know.

[@michaelb.3982]

Giving you two money we work for, so you two don't have to work is a giant scam too.. KZbinrs in the U. K. can't survive without American generosity and Capitalism..

[@andrewhuston1896]

News as entertainment was not a thing in America before Rupert Murdoch. Thanks Australia.

[@fionagregory9147]

I have never had a bank fee

[@bethcummins4541]

I love it...."I brand lazy"

[@3DJapan]

I started at a Community College so it was very cheap compared to other schools but my books were still like $60 a piece. I actually still have my old Art History book and I see the price on it was $54. In today's money that's $100.60.

[@debc4542]

I don’t pay transaction fees

[@LyleFrancisDelp]

I love the Monty Python Scam skit. And of course that great musical...Scamalot.

[@fsujavi16]

This is some REAL TALK like i’ve never heard from them bravi!

[@cindland]

“Charged for being broke” probably refers to overdraft charges.

[@iandingle3640]

Great video!

[@joemalick4151]

Best quote - “if you say you’re fun, you’re not fun”, or “if you say you’re inspiring, you’re not inspiring”. 😂😂😂 I think Americans are better now with recognizing the MLM scams, but people do still want to “get rich quick”. I mean c’mon, who doesn’t? 😂😂😂 I think I’ll follow your plan and “get rich slow”, seems more attainable. 🙂 Love u guys … ❤️❤️❤️