An artist that is special, is an artist who won’t be denied. An artist who has that fearless energy to them, that you hear and know that they are destined to be on the top. That type of presence isn’t something that you come across often, but when you hear it you know it, and that’s what Soaky Siren has to her on her new song “Top Gyal”.
Soaky Siren goes for gold on her new song “Top Gyal”. Everything about this record is upper class, and done to a supreme level. As soon as you hear her, you feel her commanding presence, with an exhilarating approach to the music that’s exciting for every single second. This track isn’t just all flow, but a lyrical masterpiece with slick writing, in the verses that are complimented by the digestible chorus that makes it a hit for the masses.
Soaky Siren’s “Top Gyal” is that super incredible music, that one can’t turn away. Soaky shines like a true star, and someone who is destined to be on a superstar level. Everything clicks and comes together to make a work of art that is enjoyable musically, and amazing artistically to make it perfect.
Check out Soaky Siren “Top Gyal” below and follow her on Instagram. Stay Global my Friends!
When putting out an incredible record, it leaves everyone waiting to see what you will do next. Leaving everyone wondering if the standard set on the first listen, was a fluke or the norm from the talent. With Charmaine’s follow up to her record “BOLD”, she releases an exciting follow up with her new song “WOO!”.
Charmaine shows a high ceiling and unlimited potential on her new song “WOO!”. Her presence is super commanding and makes her an impossible talent to deny, with high energy in her flow that makes you feel her swagger, as she delivers supreme rhyming to show that she’s one of the most promising Hip Hop figures around.
Charmaine’s “WOO!” is that super dope Hip Hop that gives the culture more life to keep things going. She does everything right musically to make a song that’s digestible for the masses, while still showcasing high skill to make purists buy in completely. If you’re looking for amazing music to dive into, then get familiar with Charmaine’s new smash now!
Check out Charmaine “WOO!” below and follow her on Instagram. Stay Global my Friends!
You’re not alone if you’ve fallen out of the habit of balancing your checkbook because you trust your online banking statement to indicate how much money is in your account. Why do the math when the number is so accessible? This amount is not always accurate, though, because it might not reflect recent purchases or pending transactions.
As such, you might have tried to write a rent check with less money in your account than you believed. Your landlord attempted to deposit the check, but it bounced. Now you’re late on rent, and there’s a charge on your bank account that reads “NSF Fee – Item Returned.” You didn’t mail any packages that came back to you, so what does this fee mean, and why were you charged?
What are Returned Item Fees?
Your account’s charge is called a returned item fee, also known as a nonsufficient funds fee (abbreviated as NSF). It means you didn’t have enough funds in your checking account to cover your attempted transaction, and you don’t have overdraft protection.
WalletHub notes that NSF fees are fixed and vary between states, but they are usually between $27 and $35. Because they are set, you can incur a $30 fee for overdrawing your account with $700 in it if you try to write a check or make an ACH payment for $800. Likewise, your bank can charge you the same $30 if you try to buy groceries at the grocery store using a debit card for $50 with only $2 in your checking account.
Why do these fees exist? You’re not wrong to notice that they perpetuate the cycle of debt and poverty. The answer is in the name “returned item fee” — your bank is making you pay for the trouble of sending your money back to you. Your bounced check will be re-deposited into your account, but your bank won’t do it for free.
Can You Waive a Returned Item Fee?
It’s possible, but not common. It never hurts to call your bank’s customer service center and ask. The worst thing they can do is say no, and they may feel more inclined to help you out if you explain your situation or have never overdrawn your account before. The bank may not erase the charge entirely, but it’s always worth a shot.
How are NSF Returned Item Fees Different Than Overdraft Fees?
You might be confused about the difference between an NSF returned item fee and an overdraft fee. Overdraft protection is a service you can opt into that allows you to overdraw your account when you have nonsufficient funds. If you had overdraft protection in our previous example, your bank would loan you the difference or pull from your savings account, your rent check would still go through, and your landlord would be none the wiser. Your bank would then charge you a comparable overdraft fee for using this service.
How to Avoid Returned Item Fees
How can you avoid having an “NSF Fee – Item Returned” charge in the future? Check out the following tips:
Access Your Money On Time
Maybe one reason you had less money in your account than you thought you did is because your paycheck was delayed. You depend on punctual deposits to pay your bills on time (or your bills are due before payday), but you’re afraid to ask your employer for an advance too often. In this case, you can use an app like Earnin[1] to access your pay when you want it and make payments. You’ll avoid a returned item fee, and you pay the app back without mandatory fees when your paycheck arrives.
Use a Backup Source
Link your checking account to a backup source of money, such as a savings account. You will likely have to pay an overdraft fee to pull from it, but this will hopefully be smaller than an overdraft fee for borrowing money or an NSF fee.
Take Advantage of Overdraft Protection
Overdraft protection can spare you from NSF returned item fees. However, be aware that there are caveats to this service. Your bank could report you to a debit bureau like ChexSystems if you rely on it too frequently, which could negatively impact your ability to open a new checking account in the future.
Turn on Low-Balance Alerts
Link your account to an app with low-balance alerts[2] or use your bank’s native feature. If your funds drop too low, an alert will notify you that you either need to replenish your account or avoid spending until further notice. Mint is an example of an app that enables low-balance alerts.
Budget Carefully
Besides making a significant amount of money, your next-best option to avoid returned item fees is to budget carefully. Make sure you balance your accounts and checkbook, so you know how much money you have at any given time. Your online banking statement and third-party apps can help, but it’s always good to be sure before you trust the number they display too quickly. Apps like GoodBudget and Cleo can help you manage your money wisely.
It’s not fun to see a returned item fee on your statement, but you can avoid them by keeping an eye on your financial status and using resources available to you.
Please note, the material collected in this blog is for informational purposes only and is not intended to be relied upon as or construed as advice regarding any specific circumstances. Nor is it an endorsement of any organization or Services.
[1] Restrictions and/or third party fees may apply, see Earnin.com/TOS for details
[2] Balance Shield cash out is subject to your available earnings and daily pay period max. Other restrictions and/or third party fees may apply. For more information visit earnin.com/TOS
Hip Hop is not only about great sounds. It’s also about bringing people together, and enjoying music to the fullest. Hip Hop pioneer Coolio embodies this and bridges the gap for the old school and new school on his new Tommy Boy release “Out Fa the Bag” featuring AI and C.L.A.Y.
Coolio is timeless on his new exciting record “Out Fa the Bag” featuring AI and C.L.A.Y.. The production sets the perfect tone, with nice bounce and 808’s that will make you move. They all step and embodies being masters of ceremony, as they control the listener with amazing rhyming, and major flavor in the flows to make this record connect on every level, to create an experience of Hip Hop you must be apart of.
Coolio Featuring AI & C.L.A.Y. “Out Fa the Bag” is an infectious record with unlimited replay value. The emceeing is impeccable, and brings a sound that’s digestible for the masses. It’s not only great emceeing, but an incredible record that is engaging and fun to take in, to make it a must hear body of work.
Check out Coolio Featuring AI & C.L.A.Y.“Out Fa the Bag” and follow them on Instagram. Stay Global my Friend!
The thing about a great record, is that it’s always on time. Those songs that drop and define our times, and lift us up with each listen. Those are the songs that make people appreciate the culture, and continue to stick around forever to see what’s next. That’s the appeal of Saint Djuni’s new song “Weird Year”.
Saint Djuni delivers a masterpiece that lifts the spirit on the new song “Weird Year”. The sound is amazing and well produced with big time sound to it, that sounds like it was crafted with the intent of world listening to it. The writing is perfect and describes our times perfectly with relatable writing we can all feel. The icing on the cake is the incredible vocal performance that’s big time enough to take the song to it’s rightful destination.
Saint Djuni’s “Weird Year” is that music the world needs to hear. A record packed with so many stellar elements to it, that it can leave one speechless, and filled with awe. It’s the perfect record at the perfect time that you must slow down to take in the feel good vibes now!
Check out Saint Djuni “Weird Year” below and follow them on Instagram. Stay Global my Friends!
Happy Friday!!! Hope everyone has a good week and ready for an exciting weekend. Fridays are always exciting as a music fan, as our favorite artists make this day to drop new releases. As a fan of music we love this day, and this day is even more special because we get to cover the new song from hü called “abstract girl”.
The magic of hü’s special sound is on full bloom on his new song “abstract girl”. The music shines with a retro sound, that is packed with big lights that burst out the seems of the speakers into your ears. His signature vocal tone melts you with every note, as he delivers his big time writing that is a hit every time he delivers a new piece of audio for the world to enjoy majorly.
The new song from hü “abstract girl” is another masterpiece for this artist who never misses. Each release feels big time as his music shoots for the stars and excels in every way possible. The production is amazing, vocally it’s perfect, and the writing takes this song to the moon to make it a record you can’t live without.
Check out hü “abstract girl” below and follow him on Instagram. Stay Global my Friends!
Music is in it’s best form when it allows the listener to be imaginative. Taking in sounds that let your dreams flow, as you take in the vibes and grooves of the music. That’s the music that makes you run to listen to the music, as it brings a feeling you can’t deny. That’s the magic of Jamythyst’s new song “Melt My Face”.
Jamythyst brings the party to you on the new song “Melt My Face”. In a time where social distancing limits the way people come together, this record makes you want to get lost in a club full of good vibes, with every thing having so much appeal to it. The production is fun and high energy, and Jamythyst shines like a star, as she delivers sweet melodies that feels good to the spirit to take in.
Jamythyst’s “Melt My Face” is a special record that encompasses the fun and magic of music. The reasons to enjoy this record is limitless, with it capturing an amazing sound and paints a picture for the listener, that lets you dream and enjoy life that much more.
Check out Jamythyst “Melt My Face” below and follow her on Instagram. Stay Global my Friends!
Every one is always looking for super dope music to take in. That music that you hear the flavor in, and get engulfed in the vibes of the artist who makes it a point to make digestible music everyone will love. That type of approach takes an artist far, and Skys the limit for YungBank with his new song “Mr.Brinx”
YungBank masters the art of making music people want to hear on his new song “Mr. Brinx”. He not only displays his talents to the fullest, but also makes music that will make the people move. His presence is commanding as he flexes through this hard production, with bravado in every line that you can apply to yourself, with infectious energy of stars that sells it just right.
YungBank’s “Mr.Brinx” is impressive Hip Hop that makes the genre fun to hear. He excels in every category from the dope flow, swaggy writing, and great production to give people a must hear track, from a must hear artist.
Check out YungBank “Mr. Brinx” below and follow him on Instagram. Stay Global my Friends!
More than ever people are looking for music they can connect to. That music they hear that they feel, and get an authentic experience that they feel emotionally connected to. That type of music is what makes you run to an artist’s music to hear and Lund had that type of music with his new song “Reckless”.
Lund uses all of his talents to show off his knack for making hits on his new song “Reckless”. The music blends genres in a way thats reminiscent of Maroon 5’s work on their “Songs About Jane” album. The story telling and production feels very Hip Hop, while the vocal approach has the soul of R&B, and the appeal of Pop to make this a record that clicks on all cylinders. It’s the innovation in the music that shines and makes you keep listening to enjoy the sounds.
Lund’s “Reckless” is record that you can enjoy musically and feel the spirit in. Everything works together in perfect harmony to make one amazing sound that you don’t want to go without hearing. Hit play now and hear the incredible sound of Lund.
Check out Lund “Reckless” below and follow him on Instagram. Stay Global my Friends!
It’s always amazing hearing an artist you’re familiar with a new way. Getting familiar with one’s talent can make you feel like you’ve heard it all, but ti’s even better when they give you more than you thought you knew. More talent and music to keep your an excited fan and thats what dae zhen does on his new song “La Doña”.
The super talented dae zhen brings a bilingual smash on his new song “La Doña”. He gives the listener all they could need over this Latin inspired production. Vocally the tone is masterful, with him bringing the perfect blend of Latin and Hip Hop vibes. His pen is impressive and shows his continual art of crafting must hear hits packed with appeal to make something must hear.
The new song from dae zhen “La Doña”is that exciting and engaging music that keeps things fun. It’s a record with global appeal, that you can hear being in films and radio all over the world. He excels in not only showcasing his unlimited array of talent, but music that is a joy to take in.
Check out dae zhen “La Doña” below and follow him on Instagram. Stay Global my Friends!
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