A pro hacker demonstrate the security mechanisms and bypass on a website to checkout products for free!

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About The Trainer:
Loi Liang Yang
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Why you should never use Affirm or Afterpay.

So what is Affirm / Afterpay
Affirm is part of a wave of companies that offer “point-of-sale” financing, which means you will run across it when you are ready to buy something from a retailer. Affirm offers financing for Walmart, furniture store Wayfair, mattress store Casper, travel site Expedia, and more than 2,000 other retailers.

Will it affect my credit?
Affirm runs a real-time, soft inquiry of your credit and decides whether or not to approve you for a loan amount that matches the price of the item you’re buying.

However, proceeding with an Affirm loan may impact your score, since the company reports most of its loans and payments to the credit bureau Experian. Each Affirm loan you get shows up as a separate loan on your credit report.

Now Why You Should Never Use It

1) If you cant, afford to pay with cash, you don’t need it.
If you are using, affirm you are blatantly spending money you don’t have. And waiting until that next paycheck comes in to make that payment. And with 63% of Americans living paycheck to paycheck, do you really want to add more debt for something you don’t need? You will continue to be broke now and be broke later. And like they say, Broke people love payments, rich people love profits.

2) The APR is too high.
Affirm offers APR from 0-30%. While going into more consumer debt is already dumb, even dumber is going into consumer debt at a high Apr. While average credit card APRs around 15%. Imagine doubling that just for one item.

3) They make you think that you will pay 0% APR, but that is not always the case. If you read the details, it says 0% apr for qualified shoppers. But what qualifies shoppers?

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In this video, I share if Amazon just destroyed Shopify’s business based on some recent news! On April 21st, Amazon unveiled a new service called “Buy with Prime,” which will allow them to compete directly with Shopify in terms of online payments, shipping and fulfillment. This news comes as Shopify stock has been crashing for the last 6 months to 70% off its all-time highs. So, is Shopify stock a buy in 2022? Should you buy Shopify stock now in 2022? Watch the video to find out!

Investing Books I Recommend Reading:
1. One Up On Wall Street – Peter Lynch: https://amzn.to/3khxn1o
2. The Intelligent Investor – Benjamin Graham: https://amzn.to/2ThlHyJ
3. Rich Dad Poor Dad – Robert Kiyosaki: https://amzn.to/2NlE5Tk
4. The Book on Rental Property Investing – Brandon Turner: https://amzn.to/2Tfq1yE

WATCH NEXT:
How Many Shares to Retire on AMAZON Stock: https://youtu.be/uDIKx8ozFfc
How Many Shares to Retire on GOOGLE Stock: https://youtu.be/YKMUSqSbkak
The 12 BEST Stocks to BUY in Canada: https://youtu.be/0pp7a6keYM8
3 Investing Mistakes to AVOID: https://youtu.be/swyVp8r5nhk

Anyways, thank you for watching! If you did enjoy, please hit the LIKE button to support my channel – I would really appreciate it. Also, be sure to SUBSCRIBE for more weekly content on personal finance, business, and investing!

I am not a financial advisor. I create these videos for educational and entertainment purposes only. Before investing, make sure you perform your own research and understand all risks involved!

Please note that some links contained within this video are affiliate links, which means I may receive a commission on any products or services sold.

Cheers,
Nick Peitsch

#Stocks #AMZN #SHOP

Today we’ll cover the best payment gateways, what is a payment gateway, and what to look for in a payment gateway. Here’s the best payment gateways list:

1. Stripe: https://stripe.com/
2. PayPal: https://www.paypal.com/
3. Braintree: https://www.braintreepayments.com/
4. Payoneer: https://www.payoneer.com/
5. Authorize.Net: https://www.authorize.net/
6. Square: https://squareup.com/
7. Amazon Pay: https://pay.amazon.com/
8. Shopify Payments: https://www.brennanvaleski.com/shopify
9. 2Checkout: https://www.2checkout.com/
10. BitPay: https://bitpay.com/

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*Some of the links and other products that appear on this video are from companies in which Brennan Valeski will earn an affiliate commission or referral bonus. Brennan Valeski is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.