STEP 1: Decide Your Purpose Choose the type of video: Explainer / Educational YouTube shorts Storytelling (e.g., AI-generated characters) Marketing / Product promo Face / Avatar-based talking videos STEP 2: Write the Script (or generate it using AI) You can write it yourself, or use ChatGPT : Example prompt: "Write a 1-minute video script about the future of AI in education." STEP 3: Choose the AI Tools Based on Your Goal π A. AI Voiceover Tools (Text-to-Speech) Convert your script to voice: ElevenLabs (realistic voices) Play.ht Murf.ai Lovo.ai π§ B. AI Avatar / Face Talking Tools Use these if you want an AI person (or your face) speaking: HeyGen (best for AI avatars & lip-syncing) Synthesia D-ID Pictory (for faceless videos with stock footage + AI voice) π️ C. AI Video Creation from Script These make full videos using just a script: Pictory.ai Lumen5 Invideo AI Steve.ai STEP 4: Add Visua...
Taking a loan can sometimes lead to a " loan trap ", a situation where borrowers struggle to repay their debt due to high interest rates, hidden fees, or unfavorable terms. This often results in a cycle of borrowing more money to pay off existing debts, which can cause significant financial stress and long-term damage to your credit score. To help you navigate this challenge, here’s a detailed guide on understanding what a loan trap is, how to avoid it, and steps to escape if you’re already caught in one. ### **WHAT IS A LOAN TRAP?** A loan trap occurs when: 1. **High-Interest Rates**: You take a loan with extremely high interest rates, making it difficult to repay the principal amount. 2. **Unmanageable EMIs**: Your monthly installments (EMIs) are too high for your income, leading to missed payments. 3. **Rollover of Loans**: You’re forced to take another loan to pay off the existing one, creating a cycle of debt. 4. **Hidden Charges**: Lenders impose hidden fees, penalties,...