Wednesday, October 30, 2013

Captial One 360 Online Banking: The Best Thing Since Sliced Bread!

After several days of shopping around for a new savings/checking account, I discovered Capital One 360.  I was already familiar with their products but had my eyes dead set on an account with Ally Bank.  Needless to say, I applied online with Ally and was advised to call in to complete the application.  The website and representative I spoke with both stated that this was a normal procedure to have a customer call in, as they operate online only and have to "identify" their potential customers.  The representative asked a few basic questions and informed me that I would received a letter in the mail with instructions to send in a copy of my driver's license or my Social Security Card.  Three to four days since that call I have heard nothing from Ally.  To be an online institution, one would think the process could have been handled in an electronic and more expeditious manner.  However, I moved on to Capital One 360 which provided an interest rate of .75 percent with their accounts, similar to Ally.  I applied online and was instructed to call the company to complete the application.  I performed this simple task and minutes later, my account was set up.  Capital One 360  allowed me to open several other accounts of which can be nicknamed, such as a "Rainy Day Fund" account or "Vacation" account,  all of which requires no start up or minimum deposit.  You are also able to add up to twenty different accounts on your own with the simply click of a button.  No call in or traditional minimum deposits are required.  In addition, there are no overdraft or monthly maintenance fees associated with these accounts. At setup, you will have to go through the process of verifying your current bank account, which is to ensure your external accounts used are accurate.  Bottom line, if you are in the market for a hassle-free, no nonsense type of checking, savings, investing or money market account, make sure you check out Capital One 360.  To start the process or just browse around for additional information here's a link to the site:https://r.capitalone360.com/PxYpHsUtY5

Sunday, October 6, 2013

You Put What on Your Face? Milk of Magnesia as a Face Primer?





Yes, I know it sounds crazy but just work with me for a minute. I have had very oily skin all of my life.  After wasting hundreds of dollars over the years in search of the next big product to tame my extremely oily skin, I learned (through YouTube) just this year that the answer had been with me all along.  Milk of Magnesia (MOM)!  If you are looking for a complete, matte, anti-shine, oil controlling product, this is it.  Use this product to coat your face lightly in oil prone areas prior to your make-up.  Please note: This product dries on white in color, but do not panic, as you will place your foundation over it!  After it has dried, proceed with your normal make-up routine.  You will be oil free easily for the next 6-8 hours or longer. Since using this product, I have found that I no longer have a need to touch-up or blot oil from my make-up throughout the day.  For more details and additional benefits of this product regarding skincare, I suggest performing a basic Google search or visit YouTube to search for demonstration of application. This has helped me tremendously as I no longer spend a large amount of money on oil blockers in addition to my foundation. In my opinion, this is one of very few products that works for me 100 percent. Try it, you just might be amazed!

Saturday, October 5, 2013

Uncontrollable Blood Pressure?? Could It Be Something Else?

Below is my personal journey on a condition I was diagnosed with called Hyperaldosteronism.  This condition caused me to have uncontrollable high blood pressure, even with the assistance of multiple hypertension medications.  Watch and discover how one diagnosis could lead to another and a possible cure.





Saturday, March 24, 2012

Hair Loss: Getting to the root of the problem!


                                                  

About a year ago I started noticing more of my scalp at the very crown and forefront area of my head. After a small meltdown, I remembered that it was not a slow process. After all, I'd had thick hair for the 34 years I'd been alive. I understand the hereditary factor, but no person in my immediate family had this problem, including my 76 year old mother. After further investigation with my physician, I learned that my thinning/loss of hair was due to prolonged HIGH BLOOD PRESSURE! Never did I imagine this to be a cause. Moral of this story is to not self diagnose yourself. Get to a doctor for proper diagnosis and treatment. In my case, I was able to save my hair and my life!

Tuesday, December 13, 2011

Payday Loans

                               

 In this economy, a 750 credit score may get you a decent loan by the skin of your teeth.  If you are facing financial difficulties with poor credit, you may be thinking of a payday loan.  I am not here to bash these loans at all. My goal is to make sure you understand what you are getting yourself in to. I take a personal issue with these loans, as a very dear friend had a terrible experience with them, which took her months to resolve.  Just hearing her story prompted me to educate myself on what these loans are and how they work. I would first like you to view these loans as an absolute last resort.  Lay pride aside and ask a family member for a loan.  If there's no luck there, try selling items around your home or even pawning those items.   E-Bay is a great way to make money.  Now, if all of these said efforts fail, then you can look at payday loans.  Please understand that these loans are just what they say they are: PAY DAY LOANS.  In theory, they are advertised as a short-term loan extended to you until your next payday.  At that time, you are expected to pay the money back plus the fees set by the company.  If you are unable to pay the loan back in full, it generally rolls over until you're next pay day, but at a huge price.  Fees and interest rates continue to accumulate, resulting in you eventually owing more than the initial loan amount you took out. For example, a $200 loan that is not paid back on your next payday could cost you $500 if you extend that loan until the next month.  Interest can be as high as 1000%, in which you could easily pay your initial $200 loan several times over with repeated extensions. I could not believe this was legal. Through research I learned that these predatory loans are illegal in many states, including my state of Georgia; however, many companies may continue to operate in prohibited states online.  It is my opinion that in an emergency, these loans are sometimes a necessary evil if you have a TRUE emergency and absolutely no other options. If you absolutely, positively must go to these loan sharks, the key to these loans is to only take what you can afford to pay back on your next pay day.  If not and you continue to roll these loans over each month, you may be in for more trouble than you had for needing the money in the first place.  In summary, save for a rainy day if possible.  If you choose to use these loans, prepare to pay back immediately and avoid the vicious cycle which could easily slide you into much deeper trouble.  Feel free to comment or share your story and remember: "When You Know Better, You Do Better!"