5 Tips On How To Find The Right Credit Card For You

There are three general types of credit cards; cards that help you improve your credit when it’s limited or damaged, cards that save you money on interest, and cards that can earn rewards. The best card that suits you is the one with features designed to meet your specific needs. Choosing the right card can be overwhelming, but you can make the process simpler by considering your preferences and habits.

Why should you get a capital one get my offer credit card

Getting a credit card has its perks like helping you to get approved for a loan, getting rewards from your purchases, or help you with applying for insurance. You don’t have to carry a lot of money when making large purchases and easily buy stuff online with your capital one get my offer credit card.

Here are some features in a capital one get my offer credit card to look for:

Annual Fees

Most people immediately assume that credit cards with no annual fees are the only option to go, not knowing that some of the best rewards cards offers do charge a yearly fee. Moreover, these rewards cards may offer perks that are considerably more worthy than the price itself. But always keep in mind that while credit cards without an annual fee offer a significant benefit, you shouldn’t immediately discard those that charge an annual fee.

Annual Percentage Rate (APR)

The APR is an essential factor that represents the rate at which your balance is accruing interest. This APR is important because it determines what your card issuer charges if you don’t pay your balance in full. The amount of interest you would pay if you had the same balance the entire year, could be determined by multiplying your APR by your balance.

Read this: How to Use Credit theRight Way

Sign-up Bonuses

Another wild card in the rewards game is the sign-up bonus. Gaining a substantial sign-up bonus can represent the easiest way to earn points and miles, especially for modest spenders. Some bonus rewards cards provide for travel purchases such as hotels or airline tickets, gas, groceries, restaurants, and business spending. If you pay your bills in full, you are able to shop around for a great sign-up bonus without worrying about higher interest rates, but if you usually carry a balance, you should recognize these bonuses as a trick to entice you into using a card with a higher interest rate.

Rewards: Cash Back vs. Loyalty Points

Credit cards offer bonuses as either cash back or loyalty points or miles. Cashback has the advantage of being the most versatile, liquid, and the easiest way to quantify. On the other hand, loyalty points accumulate at a set rate for every dollar you spend, and you can redeem these points for specific services or products like plane tickets, hotel stays, electronics, or gift cards.

Secured capital one get my offer Credit Cards

A secured credit card is a type of product typically offered to people with a little credit history or a low credit score. These cards often require security deposits that become the credit limit for the account. You can think of them as a hybrid of credit and debit cards. At the same time, they still include all the purchase protections that federal laws require for credit cards. A secured credit card is treated by a merchant just like any other card. This can be an excellent tool for people who want the convenience and protections that a credit card offers without the possibility of going into debt.

5 Ways To Stop Your Wardrobe From Getting Boring

We’ve all been there. We stand before our wardrobe with bits of outfits strewn all about the floor around us. It’s not that we don’t have enough clothes. We have plenty of clothes. But nothing quite feels right. The occasion calls for something a little bit special and everything you own feels so… old hat. Quite simply, your wardrobe has become boring. You need something with a little edge. Something that will make you stand out a little more when you walk down the street. A look that will help you to look and feel as unique, special and beautiful as you are. Don’t worry, you don’t have to spend a fortune on replacing your wardrobe. This is, after all, a blog about thrift. But there are plenty of ways in which you can rejuvenate your wardrobe and prevent it from becoming boring…

Image by Reiner Hallmann via Flickr

Buy or borrow something that scares you

It’s common to become frustrated not just with your wardrobe but with the high street. Very often you don’t need to replace your whole wardrobe, you just need to invest in one statement piece. Still, it’s hard to make a statement when every store you stop by just sells a slight variation on the same thing. If I’m looking for something unique, I’ll start by eschewing the high street and looking for online clothing boutiques near me. When buying (or borrowing if your budget prohibits buying) a statement piece I recommend buying just one thing that scares you a little. You may well find that it quickly becomes your favorite.

Never underestimate the power of accessories

Even the dowdiest garment can be rejuvenated when you pair it with the right accessories. Even if you’re not taking risks with your clothes you can still do a lot with belts, bags, bangles and everything in between. Speaking of accessories...

Go thrift shopping for some vintage eyewear

As you know, this blog has nothing but good things to say about the transformative power of vintage eyewear. Vintage sunglasses can lend a little edge and vibrancy to virtually outfit and look great on pretty much everyone regardless of size, shape, age and ethnicity. They’re easy to find, affordable and can help to give you the sexiest accessory of all… Confidence. By subtly changing the shape of your face and changing your perspective of the world, sunglasses can  have a psychologically transformative effect that is carried across to everything else you wear.

What a difference a rip makes

Want to add a little punk influenced edge to a pair of faded skinny jeans? Pick up those scissors and have at it. A rip here and a rip there can add a dash of instant punk chic to tatty old clothes and allows you to wear items that have spent months or even years languishing in your wardrobe with confidence.

Dye another day

Dyeing your old clothes is another great way to fall in love with them all over again. By adding a new dash of color to clothes that have lost their luster (or were simply more conservatively colored) you can help them to look and feel brand new and prevent your old favorites from becoming boring.

As you can see, it doesn’t take much effort or expense to make your wardrobe fun and full of life once more!

How to Get the Best Riding Gear on a Budget

 The quality of your riding experience is tied directly to the gear you choose to use while you’re on the open road. Your riding gear is directly tied to how safe and comfortable you’ll remain while you’re out on your bike, so you can really be confident while you’re having fun. Unfortunately, because this specialty gear is specially built to take on the challenges of facing the open road on a motorcycle, it tends to be expensive. However, you can get the motorcycle riding gear you need while working with even the tightest budget of you know where – and when – to look for the right deals.

Keep an Eye Out for Sales

It might be obvious, but there’s a ton of money waiting to be saved every time a sale pops up. Major bike gear sellers will occasionally sell stock at a huge discount when new models come in or they’re trying to make space for new items they might have coming in. This is an excellent way to get your hands on discount helmets for motorcycles and other crucial pieces of gear that would normally be out of your price range, without settling for a sub-par product.

Seasonal Changes

Some gear pieces are designed for use during specific weather, and are built to handle warm or cold temperatures, not both. Therefore, when the chilly months are coming to a close, it’s an excellent time to look for discounted winter gear, which companies will be trying to offload to make room for warm-weather stock. The same goes for warm-weather gear. It can generally be found at much lower prices as cold weather approaches. Some items that will likely be on sale during these transitional periods include:

●        Gloves

●        Riding jackets

●        Eyewear

●        Casual clothing

Whether you’re looking for an all weather motorcycle jacket for a lower price or something as simple as a set of cold-weather riding gloves, keeping an eye out for sales and discounts like these can help you get the gear you need while spending less of your hard-earned cash. Contact your preferred bike gear seller to ask about any sales that might be going on and ask about gear recommendations for your needs.

JOAH Currently Has 20% Storewide (USA)

JOAH currently has 20% **storewide and till May 12th!

JOAH's Mother's Day Lip Kit (on sale for $10.00!)

The perfect trio gives mom pucker perfection all day–with shades that are pout of this world! Gel lipstick glides on and provides weightless comfort and wax-free formula. Includes a Gift boxed 3-pc. trio: Jelly Bae Matte Gel in Babe, Sweetie, & Beau

JOAH's Mother's Day Out Kit (on sale for $18.00!)

Give mom a beautiful way to face the day! The JOAH mom’s most wanted goodies for face, eyes and lips, all nestled in a must-have makeup case. Includes Makeup case, Jelly Bae Matte Gel in Honey, Birthday Suit Eyeshadow Palette in Unveiled, Eye Scream Volume & Curl Mascara and Gold Activator Primer

JOAH's Mother's Night Out Kit (on sale for $18.00!)

A gorgeous kit for you mom to rock a night out on the town! The JOAH mom’s most glam goodies for face, eyes, and lips, together in a must-have makeup case! Includes

Makeup case, Jelly Bae Matte Gel in Beau, Birthday Suit Eyeshadow Palette in Bare, Eye Scream Volume & Curl Mascara and Gold Activator Primer

**JOAH is exclusive to CVS and can be purchased online.

How To Plan A Unique Proposal On A Budget

Image Credit

The decision to propose is a big one, and is something that you’re probably only planning on doing once, so it’s definitely something that you would want to be as special as can be, and this is understandable. A

As the wedding industry has grown in recent years and with social media influencing a lot of the styles and trends we’re seeing around things like wedding fashion making us feel like everything has to be completely high end and picture perfect, so if you’re planning to propose, but are on a budget and still want to make it memorable and unique to you and your partner, then in this post we’re going to share with you some of our top tips for doing just that.

Make sure it’s right:

As unromantic as it may sound, it’s important to let you know that first and foremost before you ever propose to anyone that you’re both completely ready and that it’s the right time. For example, many people often find themselves proposing for the wrong reasons, such as thinking it will be a grand romantic gesture that will score them points, or if their partner is really putting pressure on them to propose.

This is a recipe for disaster because if you have to propose to keep your partner happy because they’re giving you some kind of ultimatum, then this is a huge red flag and you really need to consider if this is the type of relationship you want to be in because anyone who is secure in their relationship doesn’t need to be validated through the status of engagement or marriage.

The only time you should be thinking of proposing to anyone is when you’re both in a committed relationship, have perhaps talked about marriage and know that you’re both ready and willing to take that next step.

Bring some tradition in:

Although modern weddings are seeing less and less tradition, there’s still some nicer traditions that you can always incorporate if you’re wanting to make things more unique that you can add in when you’re proposing. For example, the tradition of asking the woman’s father or parents for permission is a nice touch, and although some people will definitely disagree with this, you have to remember that this is still their child and they want to know that she’s with someone who loves and respects her and also respects them, so even if you don’t want to ask for permission as such, then even filling them beforehand and asking them to keep it a secret is likely something they’re really going to appreciate.

Understand their style:

Everyone has their own style, and this also should be taken into consideration when proposing to someone. Instead of just going and getting something that’s the first thing you see so that you can tick it off a list or even worse - something you think they’ll like, but you actually have no idea and are basically just getting something you like, then it’s a much better idea to go and find something like a specially designed engagement ring you had made for them that really captures who they are.

If you’re not particularly sure what their style is or you’re just not great at shopping for other people, then it’s a good idea to take along someone close to your partner who knows their style - such as a best friend or sister who can help you.

Make it memorable:

Getting engaged is definitely one of the moments in life that everyone wants to remember for the right reasons, so making sure the proposal is memorable is something that you should be focusing on making a priority. The good thing is that being memorable doesn’t have to cost a lot of money, but if you’re putting the effort in, then it will be memorable and your partner will really appreciate it.

Be personal:

Again, just like making it memorable, a proposal is something that should be tailored to the person as an individual. This doesn’t mean that you have to go for big grand gestures like proposing on top of the Eiffel Tower or something that might seem a bit cliche if that’s not what your partner is into. It should be about them and you - not for show, so this could be something as simple as taking them to a romantic nature spot you know they love or even going to the place where you had your first date or where you met for the first time.

It really is sometimes the smaller things and personal touches that make all the difference.

Be realistic:

When it comes to marriage proposals, many people - both those being proposed to and those doing the proposing sometimes have over the top expectations of what things should like and think that everything should go perfectly, when in actual fact, this is going to set you up for disappointment, so it’s important to remember that you should be doing this in a way that works for both of you, that is personal, and that is also not going to be something you can’t afford - because then you’re losing all the magic from it, anyway.

Capture the moment:

We’re lucky to live in a time where we can literally capture our whole lives at the click of a button, and although this isn’t always a good thing, there are times - like special moments such as proposing when it’s definitely a good thing to be able to capture things on photo or video.

However, since you’re going to want to actually be in the moment instead of living it through a lens, then you should have someone else on board to capture it for you. This could be a friend or family member who you trust to capture the moment right or it could even be a professional who you hire for the moment if you can afford it.

It certainly doesn’t matter which of these options you go with - as long as you’re able to capture the special moment in your own way and so that you can always look back on it.

KFC Gets Hot and Steamy for Mother’s Day with Chickendales (USA)

I love this! So cute!

KFC is giving the mother of all desserts this Mother’s Day – introducing Cinnabon® Dessert Biscuits and the KFC Chickendales. Woohoo!

The KFC Chickendales, a Colonel-ized version of the classic Chippendale dancers, are making this Mother’s Day extra sweet (and we’re not talking about the biscuits) with a hot and steamy personalized video for mom.

Creating a personalized video for mom is simple. Visit http://chickendales.com, select your mom’s name, the state she lives in, then choose download or share directly to your social channels, because nothing says “I love you, Mom” like the KFC Chickendales and sweet biscuits.

KFC’s new limited time offer menu item Cinnabon Dessert Biscuits combines KFC’s classic, flaky and savory biscuits drizzled with cinnamon brown sugar glaze and signature Cinnabon cream cheese frosting. It’s guaranteed to make your mouth water and will be available in restaurants beginning April 29 through June 30 (or while supplies last).USA only.

Genius Methods For Avoiding Debt

Debt, it's a word that strikes dread into most of us, because it means that the money we haven't yet earned is already accounted for. In fact, for many people, their debts can end up causing them significant financial issues, if not dragging them under altogether. That is why it's so important to avoid getting into debt wherever possible, something that the advice in the post below can help you to do.

Avoid credit card debt.

The absolute best way to avoid credit card debt is not to have one in the first place. However, because banks send them out uninvited, and having a good credit record can actually be useful when buying major purchase many folks get sucked into purchasing things on their cards and then forgetting to pay them off quickly.

Of course, the problem with this is that the more time you take to pay off your debt the more interest, you will be charged for it, making it a challenging hole to climb out of.

To that end, if you do find you need to use credit from time to time do make sure that you pay your bills promptly, so as not to incur any fees, and if you can pay them off early, you can save yourself a great deal of money too.

Avoid medical bill debt.

Another debt that it can seem almost impossible to avoid at times are medical bills because we can't always predict if we will be injured, or will get sick. Happily, there are still some ways that you can prevent medical bills from dragging your finances down.

One is to get the person or organization that is to blame for your condition to pay your bills, something that you can find workers compensation lawyers to help you achieve. After all, if it was the fault of another party, it hardly seems fair that your finances and credit rating should suffer because of the treatment bills you have to pay off.

Picture source

The second option is to be for-armed when it comes to medical debt, and have a strategy in places to pay for treatment costs when they arise,  something that you will need to get health insurance to do.

Although, when taking out medical insurance do ensure that it covers as much as possible. The reason being that there can be a massive difference between what medications, procedures, and treatments are offered depending on the policy.

Avoid student loan debt.

Another debt that has the potential to drain our finances dry are student loans, something that for many people can seem unavoidable if they want to go to University that is.

However, it is becoming more and more common for students to use a combination of working and scholarship to fund their studies. Something that means they can avoid taking out any student loans or at least keep them to a much more manageable minimum, for when they graduate. Something that means they will not start their working life in a deep, dark hole of debt!

Earn a Little Money on the Side

Image source

Whether you’re working full-time, part-time or in school, starting your own business is a great way to earn a little money on the side. With the right business idea, you can increase your income substantially and you can focus on an area you enjoy. In time, your side business could become your full-time job if you want it to.

Of course, finding out more details and choosing the right type of business is crucial to success. As well as incorporating your natural talents into your role, you’ll need to find a business opportunity with fits into your existing schedule and one which can be carried out in the time you have available.

If you’re unsure what type of side business could be right for you, take a look at these great ideas for a second income stream…

1. Become an online coach

If you already have expertise or skills in a particular area, why not share them and earn a little money? One-to-one sessions are an ideal way to start and online coaching can easily be a side business for as long as you need it to be. Schedule sessions around your existing commitments and connect with clients in a way that suits you both for maximum flexibility.

2. Launch a blog

Getting your readership up to a high level can take a little time but blogs are still a lucrative source of income for many people. One of the key benefits of monetizing a blog is that you can focus on any subject you like and they’ll be other people out there who are interested. Of course, writing, editing and promoting your content can easily be done around your existing job, so it’s a fantastic opportunity to launch a side business.

3. Be an English tutor

If you speak English fluently, your skills are already in high demand. There are millions of people who want to learn English as a second language and, as a result, there are plenty of teaching opportunities available. Tutoring your students remotely means you can work from any location and you can select the hours you work as well. Either set up on your own or join an existing network of tutors if you want to take advantage of an existing client base.

4. Promote your consultancy skills

Almost every company seeks external support from time to time, so consultancy can be a very viable side business. If you have professional experience in a particular area, this could be the basis of your new consultancy enterprise. Work with local business face-to-face and liaise with companies online to maximize your reach and gain new clients.

5. Develop an app

If you’ve got app development skills, creating the next mobile craze might be a walk in the park. However, you can develop a profitable app even without these skills. There are plenty of online courses which provide step-by-step guides to app development, as well as software which will help you to create your app. In addition to this, you can pull in outside help from development professionals if you have the idea but lack the time or the expertise to develop the app yourself.

With so many fantastic opportunities to launch a side business, it can be hard to know where to start. Reselling goods on marketplaces, such as Amazon, eBay or Etsy, is ideal for budding retailers, offering web design services may be viable for people with some existing knowledge of online design protocols, whilst music instruction could be right for you if you’re already able to play an instrument.

Starting a successful side business gives you the chance to hone your skills or develop new expertise. For many people, building a second business which focuses on your existing talents is the most efficient way to get started but there’s nothing stopping you starting from scratch and learning something new as well.

Once you’ve decided which area you want to focus on, collaborate with others. By joining existing networks and communicating with others, you can pick up some great tips and get more details about the potential pitfalls. More formal networks may even offer marketing strategies and shared client bases, so you can get up and running more quickly than you may have imagined.

Whatever area you choose to focus on, getting your name out there is crucial to gaining customers. If you’re unable to carry out marketing tasks yourself, working with professionals, such as online marketing specialists, SEO experts and social media managers, is an ideal way to promote your business and engage with potential clients.

With so many opportunities to start a profitable and lucrative side business, why wait?

Before and After RV Kitchen Sink and Tap Replacement

The before: Older taps and an acrylic sink that was so hard to keep clean.

      The after: Stainless steel sink we got at RV scrap yard and cleaned it up, for $20. New faucet. So much better!

Instagram Giveaway! ( Canada )

                                    We're having an Instagram giveaway! 
                    Your chance to win a $50 Starbucks gift card- (Canada) 

Good Friday

Spring Time Car Maintenance Tips

Now that springtime has arrived, you are probably thinking of taking an adventure to some far off and forbidden land or maybe just impressing your friends around the corner. Taking a road trip and following the ambitions of your heart can lead you to the world of pleasures that you are seeking (if your car is mechanically fit for the trip that is). But, even if you are stuck at home and taking a staycation, there are many reasons to polish your car into a brilliant luster, inside and out. No matter what you have in mind, you will thank yourself if you are careful to follow the springtime car maintenance tips, below.

Tip #1: Check Your Battery

The battery is the heart of your automobile. If it is weak, you will not get a clean crisp spark and will start to wear out the brushes on your alternator. The alternator will be forced to work overtime if the battery is not holding a good charge. Use a multi meter to check the DC voltage at the terminals when the car is off, idling, and after revving the engine a few times into the higher RPMs. A good battery will hold a charge over 12v and fluctuate up to about 13v when the alternator kicks in after the revving.




Tip #2: Wash Your Car

Spring is the perfect season to roll out the garden hose for a spring cleaning. To wash like a pro, you should buy an authentic car wash shampoo instead of using dish soap. Find a formula that will gently strip away any wax and residue so that you can apply a fresh coat of Carnauba wax or sealant. Use a wash mitt and have an extra bucket handy to rinse the soap off the mitt between sections. Always start from the top and work your way down to the hood, trunk, doors, and finally the front and rear fascias. Clean the wheels and tires separately with a brush to prevent contamination of your wash mitt.

Tip #3: Clean the Interior

You should first remove any clutter and consider purchasing a trunk organizer to store the things you really need. Once the car is decluttered, you can vacuum and sprinkle baking soda on the carpets to remove any odors. You may wish to then shampoo the carpets to remove all the built-up grime and odors that accumulated over the winter. You can use a few drops of essential oils on the dash to freshen up the scent instead of chemical air fresheners. Use products with enzymes like Febreze to eliminate the organic microbial odors in the upholstery and carpets.

This is also the perfect time to invest in new floor mats. You can go to many auto parts stores and have laser-measured floor mats manufactured and installed the same day. You should also consider investing in a set of quality seat covers if you want to protect your interior from stains, spills, grime, and odors.

Tip #5: Upgrade Your Air Filter

Now is the perfect time to add some performance flair to your vehicle. The simplest upgrade that you can make is installing a high-flow air intake filter. This will allow your engine to breathe better and improve your acceleration response dramatically. Best of all, the top performance air filters made by K&N last forever and need only be cleaned every 50,000 miles. You will appreciate the new life that this air filter adds to your engine and will benefit from more efficient combustion as well.

Tip #6: Replace Your Coolant Temperature Sensor

You should also replace your coolant temperature sensor if your vehicle is more than 5 years old. Because coolant temperature sensors are inexpensive, easy to install, and critical to proper engine performance, it is better to just replace them every 5 years or so than to bother testing them. They build up internal resistance and can throw misleading signals that don't illuminate your Check Engine light. These sensors typically screw right in or are held in place with a retainer that is easily pried off with a screwdriver. The only important thing to remember is that the repair should be done only after the vehicle has been sitting cold overnight. Otherwise, the pressurized coolant will jet out when you remove the sensor.

Tip #7: Replace Aging Fuel Components

You should also replace your fuel filter if it hasn't been replaced in a few years. A clogged fuel filter can cause a no-start issue and leave you stranded. It will also reduce the performance of your engine and cause it to sputter, chug, and stall if it is badly clogged. And if your vehicle has over 100,000 miles on it, it is probably time to replace the fuel injectors even if they are working to ensure that the fuel is being atomized optimally. Replacing these key items can make your engine run like new again.

Tip #8: Replace or Check Spark Plugs

Spark plugs typically last for as much as 100,000 miles these days if you have platinum or iridium plugs. Yet, many still prefer cheaper copper plugs because copper is a better conductor. No matter what, you should still remove plugs and check them every 30,000 miles just to keep them from seizing in the head. When you check plugs, however, you need some special tools these days to remove the coil packs or plug wires. If you don't get these tools and just tug on the wires, you could damage them internally. You must also obtain the torque specs. and a torque wrench to reinstall them correctly.