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CAPITAL ONE 360

If you are looking for an online bank that will offer you an array of high quality services, then Capital One 360 is the right place for you. This bank has a few braches over the USA that look more like cafes than real bank branches. But never the less, it offers all the kinds of services that you would need at a reliable bank in a laid back atmosphere.

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HOW TO SAVE UP A DOWN PAYMENT IN A YEAR?

It is well known that investing or buying a home is a challenge that a lot of people can’t get through unless they are related to the rich and famous, and unless those prestigious people fell generous to give and assistance. The odds are that you will have to largely cobble together money on your own to save for a house. On one hand this is a difficult task, while on the other saving money can be a real accomplishment, one with goals and a real prize for success.

Here is some advice from Peter G. Miller, a nationally syndicated real estate columnist about how to save up a down payment in a year. 
Open A Savings Account
Open a savings account online or at the same bank or credit union where you now do your checking. The reason to use one institution is convenience: Most banks and credit unions allow you to transfer funds back and forth from accounts electronically and instantaneously. That means you can move money into savings from your checking account without visiting a branch or taking much time from your day — and you want socking away savings to be as easy as possible.
Start a Budget
Every company has a budget, and so should you.
The easy way to establish a budget is to use a spreadsheet — show your monthly gross income and then subtract taxes and other costs from your pay stub. This will give you your net income after taxes. Next, show what you pay for other monthly costs such as rent, student loans, car payments, and credit card bills. Subtract these costs from your net income.
Now comes the fun part. How much money is left each month — and how do you spend it? Start keeping receipts for such things as gasoline, utilities, restaurants, entertainment, parking, and other things you spend money on.
In very short order you’ll be able to see how much you take in — and how much goes out. Now you can ask the magic question: Where can costs be cut?
Given that income and expenses are closely matched in many households, the only way to get ahead is to bring in more money or change your spending habits (meaning spend less) and avidly look for new savings sources.
This may seem difficult, but it’s a reality that every household can save more. We know this because no matter how much you earn there are people with smaller pay checks who live in your neighbourhood and yet live more or less like you do.
To create savings you have to be ruthless. Set a time to review your spending and budget, say the first and third Mondays of every month. Go through the numbers with zeal, asking if every nickel and dime was justified.
Check Interest Rates
Interest rates differ for such things as credit cards, savings accounts, car loans, and other accounts. Go through every bill and account and check the interest rate. Can you do better?
For instance, if you’ve been making full and prompt credit card payments, call up the credit card company and tell them you want a lower rate. You might get a lower rate simply by asking.
Auto loans are different. If you have a car loan with simple interest, then it can make sense to prepay the debt. However, many auto loans use a special “sum-of-the-digits” interest calculation, which makes prepayments less attractive as well as virtually impossible to understand.
How do auto lenders get away with such tactics? Easy. While mortgage lenders have lots of rules and standards under Wall Street Reform, auto lenders are specifically exempted from the rules with what in Washington is called a legislative “carve out” — a fancy term meaning auto lobbyists succeeded in getting auto loans excluded from the regulations. Auto borrowers, of course, have no lobbyists.
Should you sell your current vehicle and get a cheaper used one? That’s not always feasible given trade-in values and sum-of-the-digits financing, but run the numbers and always consider safety first. Meanwhile, when you next get a car, make sure it’s financed with simple interest and has a strong warranty that will cover repairs even if you move. Also, if you have savings, you can put more money down and qualify for a lower rate — still another reason to bulk up your savings accounts.
Check Your Credit
Your ability to borrow — and the rate you pay — are closely dependent on your credit score. Lenders might be very willing to originate a mortgage for you with little down and less savings if you have strong credit.
Your credit score is based on the credit reports, electronic files which show such things as where you have credit accounts, how much you have borrowed, your total debt, any missed or late payments, and how much more you can borrow with existing accounts.
“The key to the system is the assumption that credit reports are accurate, but that’s not always the case,” said Rick Sharga, executive vice president at Auction.com. “Sometimes credit reports are wrong, and when that happens your credit standing can be demolished. The result will be either higher borrowing costs or maybe no mortgage or auto loan at all.”
According to the Federal Trade Commission about 20% of all credit reports have errors. Five percent have mistakes that can drop scores by 25 points. That’s enough to move marginal borrowers into lower credit categories and higher rates.
Even worse, one report in every 250 has so many errors and blunders that the borrower’s score is actually off at least 100 points. That’s enough to sink a lot of mortgage applications and move your credit status from gold to tin.
Part of the problem comes from the vast number of reportable credit transactions which occur every year plus the potential for error: It can happen that the report for “Kenny Smith” may well include dings from “Ken E. Smith.”
The only solution is to check your report for factual errors and out-of-date items several months before you apply for a mortgage or car loan — enough time to clean up errors and disputes.
Saving Step-by-Step
It’s great to save by spending less, but there’s also another source of savings — those occasional events that bring extra money into the household. Think of birthdays, bonuses, tax refunds, and — ding, ding, ding — the biggest winner of them all, weddings.
While it can be tempting to splurge a bit with these periodic windfalls, this is money that can be used to increase your savings account quickly without dipping into regular income.
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6 FIGURE BUSINESS IDEAS

Are you looking for ways to make 6 figures working from home but don’t have an idea of how you can to about it? Today we want to share a few ideas that might assist you to get a little start-up that is going to bare you more fruits with time.

            This post may contain affiliate links. Read my Disclosure for more info. 

1. Teach online and for this you don’t need any qualifications. Find a topic that you are really interested in and join a website where you might be giving lessons to people on topics of your choice. These lessons could be tutorial classes for learning a foreign language or even mathematics tutorials which most people are always in need for these and even people who can be able to help people to understand new tolls of technological devices. And within a few months you would have earned more than $100 000. 
2. Publish Kindle Books – I love Amazon’s Kindle platform. As a writer, you can self-publish an ebook for nothing and still have a chance to hit it big. But it would be best to publish a few more ebooks to make things more exciting. Yes some people might earn more than you but you must focus on the price, if business is good you can even make $100 000 in 5 weeks.
3. Create a blog – Blogging might not be a quick path to riches, but it can certainly bring some more money. For example, the work at home woman profiled bloggers Miranda Marquit and Lisa Weber. Weber makes $300 000 a year from her blog about celebrity babies and Marquit has earned  between $95 00 and $120 000 a year from a few years ago. Their advice is for women to find a niche that they like, produce good content and connect with other bloggers and make it work. 
4. Sell t-shirts – yes t-shirts, there is goo business in selling t-shirts. These could be designer t-shirts, printed t-shirts or just plain, simple t-shirt that people would fall in love with. You can start as little as selling in facebook and then getting your clients to do free marketing for you and then you can move on the taking over the world wide web. It will not be a smooth ride but eventually you will get where you need to be.
5. Selling toys on eBay – this is a long shot but if done correctly, it can turn your $2 000 into $2000 000 if you are patient and committed. The idea is advantageous for people who live in big cities and they can be easily be accessed but none the less even those in remote areas should not be discouraged to try.
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15 ITEMS YOU CAN FIND AT A THRIFT STORE BEFORE PAYING FULL PRICE


This post may contain affiliate links. Read my Disclosure for more info. 
Ever thought of ways you can safe some cash from your monthly shopping? Then maybe you should change your shopping spot to a more convenient place that allows you to buy quality items at a very reasonable prize; like the thrift store. And if you enjoy shopping at the yard sale then this will also be a perfect place to visit as it is a much bigger, much convenient yard sale. 
Here is a list of top 15 items that you can purchase via thrift instead of paying full price.
1. Baby items. Items for a new baby can be so expensive, and many times you can score super cheap items like high chairs, bouncy seats, and more at a thrift store.  If you arelooking for something specific, the store manager will be more than happy to help you. Lastly, always check to see if items have been recalled.
Kids’ clothing. You can get kids clothing at a reasonable prize marked less than the full prize. Kids grow out of their clothing so fast it is silly to pay full price for items that they will outgrow in a few months. Shopping at thrift stores for kids’ clothing is much less expensive, and you can usually find brand names.
Kitchen supplies. You can be able to find countless items for our kitchen at any local thrift store. Everything from small appliances to silverware, cooking utensils, and more.
Cards. These includes any occasional cards from invitations, or gift card holders for much less. These cards can go from $0.5 – $1.50each and they are high quality and don’t lookcheap.
Toys. You can get toys that are prized $150 for $5 at thrift store. Make sure to check all toys to make sure they have all the necessary parts to run. It’s also good to check to see if the battery terminal area is ok, and ask about the return policy in case the toy does not work properly.
Games and puzzlesYou can find many games and puzzles at thrift stores for pennies. Again, make sure that all the game pieces are present before you buy it.
Designer items. These can be found occasionally. Whether it’s a brand name pair of boots, a designer sweater, or even a pocketbook, you know you’ve made bank.
Books. It may be difficult to find a book that you love but you can be able to score very adorable items for your children.
Maternity clothes. Maternity items are easy to pick up at thrift stores. It may be hard to find maternity items even in many local department stores, but you can be more successful at thrift and to find good maternity clothes.
10 Construction items and craft supplies.  You would be surprised at the items people donate to a thrift store. You can find kitchen cabinets, doors, windows, and more. Many times these are bulky items that people just want to get rid of and so they will donate them to get rid of them quickly.  
11 DVDs and CDsUsed DVDs and CDs will play like new if they were well taken care of by their previous owner. Even if you wind up with a scratched disc, there are ways to remove the scratches and make the DVD or CD playable again, such as rubbing it with toothpaste or even a banana.
12 Jewellery. Depreciation hits hard when you try to sell used jewellery, but as a buyer you can take advantage of the markdown. This is especially true for diamonds, which have ridiculously low resale values. Check out estate sales and reputable pawn shops.
13 Ikea furnitureWhy bother assembling your own furniture when you can pick it up for free (or nearly free) on Craigslist and Freecycle? Summer is the best time to hunt for Ikea furniture because that’s when college students are changing apartments and tossing out goodies.
14 Musical instrumentsPurchasing new musical instruments for a beginner musician is rarely a good idea. For your little bundle of joy who wants to learn to play an instrument, you should see how long his or her interest lasts by acquiring a used instrument to practice with first.
15 PetsBuying a puppy or kitty from a professional breeder or a pet store outlet can set you back anywhere from a few dollars to several thousand dollars. On top of this, you’ll need to anticipate additional fees and vet bills. Instead, adopt a pet from your local animal shelter, and get a new family member, fees and vaccines at a substantially lower cost.
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HOW TO USE EBATES FOR YOUR TRAVELING VACATION NEEDS?


This post may contain affiliate links. Read my Disclosure for more info. 

Do you love traveling and going on trips as much as I do? Actually, that’s where I spend the majority of my time and money. So far I have been on countless trips for fun and for work, and I am even planning another trip as we speak but I doubt that I am alone on this boat with my love of traveling. If you are currently planning a vacation, you should consider Ebates.com. This site set up a page devoted to travel bargains with cash back rebates and I am in love with it.
Ebates can help you save with discounts on travel and vacations! You can find travel deals on airfare, hotels, car rentals, cruises, spa resorts, vacation packages and more. Shop for your trip with coupons on luggage, travel books, travel accessories, events, and activities. Book your next trip and save with travel deals and coupons, plus earn Cash Back at Ebates!
Cash back on hotel rooms –  Ebates offers cash back at major hotels such as Inter Continental Hotels and Resorts; Accor Hotels and choice Hotels ranging from 3.5 % to 4. % cash back. That adds up to big savings when booking hotel rooms, especially if you’re booking multiple nights. On average, a hotels room can be charged at about $400 a night (but you can cut costs by staying with friends or family) which is common for destination hotels. If you were to book 5 nights at the hotel at $400 a night it would cost $2,000…even with only 2.5% cash back you’d get back $50, and all for logging in at Ebates and clicking through to the hotel’s website.
Travel deal sites – Ebates has partnered with sites like Expedia and Priceline to help you find the best deal and score cash back. By booking through Expedia you can search different hotels for the same price AND get the rate of 5% to 10% cash back no matter what hotel you book. This is a great deal especially since the travel sites have higher cash back rates than most of the single hotels. Note: The rate is only valid on special rate hotels BUT many of them are big name hotels that are greatly discounted
According to Ebates’ website incredible deals don’t end with cash back. They hunt down cut-rate coupons and exclusive offers plus amazing deals on hot products. Unlike any other savings site on the internet, you can layer the deals. Save big by using coupons and getting cash back at the same time! With deal layering, you really stack up the savings.
To have access to the greatest deals and more savings you should join the Ebates Cash Back Button which hangs out in your browser and does all the work. It has been built as a feature for Google, Yahoo and Bing and it will alert you when Cash Back is available at participating stores so that you will never miss out.  

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WHAT IS POSTMATES? HOW DO YOU USE IT?

What is postmates? How do you use it?


Postmates is a logistics company which operates a network of couriers who deliver goods locally. Postmates is closely compared to Uber because of its use of mobile phones to receive orders and dispatch delivery drivers. 

Postmates has a beautiful app that is extremely simple to use, available on iOS and Android and Web. But customers can also order online, by visiting postmates.com and entering their delivery address, then browse featured merchants or search for a specific place. Via mobile, you can order items for delivery in 1 of 2 ways:
1. Select a place from the Featured Stores list on the home screen.
2. Search for a specific restaurant, store or cuisine by tapping on the search icon at the top of the screen and entering your query.
Once you’ve chosen a store, select the items you’d like to have delivered. If there is a menu, you can simply check off the items you want. And if there’s no menu, you can write a shopping list in the “Add a custom order” field.
If it’s an item in a store or restaurant in your city, we can deliver it. Get pizza from your favourite neighbourhood joint, donuts from across town, new sneakers from Nike, an iPhone charger from the Apple Store, prescriptions from the pharmacy, you name it.
Postmates is one of the top delivery companies right nowand it is transforming the way local goods move around a city by enabling anyone to get any product delivered in under one hour. Postmates’ revolutionary urban logistics & on-demand delivery platform connects customers with local couriers, who purchase and deliver goods from any restaurant or store in a city.
Now more than ever, while things are good, is the time to start assessing all of your options and looking at multiple platforms to see how they can benefit you. The emergence of all of these niche rideshare and delivery options are a great thing for drivers so you can start there.  
Working at postmates you can able to explore new places and interact with new people. The challenging part of the job could be balancing time. You will find that the people are friendly and you will get the pleasure of putting a smile onpeople’s faces.
Postmates is available 24 hours a day, 7 days a week, 365 days a year. 

Try Postmates!  Use my referral code, uhmeh, for $10.00 in delivery fee credit.
if you want to sign up and make some extra money use my referral code INFO@IAMSHEILAJ.COM 

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