How to get approved for a Capital one credit card.


Find out what credit card companies typically look for.

It’s probably happened before—friends tout the perks that come with owning a credit card and you’re left wondering how they got one in the first place. After all, you’re interested in a card that works for you too. So what does it take? While there’s no way to know for sure whether your credit card application will get the green light, following these four tips can definitely increase your chances.


Start good habits early

From car loan payments, to rent, to credit cards, staying current on the money you owe and always paying on time can help you build good credit—and credit card companies look at your payment history when they consider your application.

Know your score

A credit score rates your creditworthiness based on many factors—like the number of recently opened accounts, latest credit checks and how well you’ve paid your bills. Banks look at that score whenever you apply for a credit card. Usually, the better your score, the more likely you are to get approved.

Keep your balance in balance

Your debt-to-income ratio (DTI) is a simple comparison of how much you owe to how much you earn. Understanding this balance can help you apply for a reasonable amount of credit, so you don’t end up swamped with monthly payments. The credit card company will also want to check your DTI to make sure they don’t approve you for more than you can afford.

Look for the right fit

Many credit card companies offer online tools to help you zero in on the right card for your life. Take some time to look at the benefits and terms of each, and apply for those that make most sense for you. Another way to help find the right fit is through credit card pre-qualification. While these offers don’t necessarily mean you’ll end up with that new card, learning how they work is a good place to start. And they can be a good first step on the road to getting approved.

10 Ways Email Marketing Can Help Your Business Grow


Email marketing is using email to get your marketing message in front of your audience. It is an essential tool to growing your business in the fast paced world of internet business because it offers open, conversational, and interactive communications.


The most popular form of email marketing is the email newsletter or ezine. Permission-based email marketingalso includes special email promotions, daily deals emails, solo blasts, advertising, follow up sequences and auto responders, email courses, and more.

Email marketing is popular because it is relatively easy, quick to get started, and inexpensive. When done right it can also generate quite a bit of profit. The premise behind email marketing is that you as a business owner build a list of clients, customers, prospects, and subscribers who want to hear from you. You then market to them by email regularly to stay top of mind and make more sales.

You may be reading this thinking that email marketing has already hit its peak, that everyone’s doing it, and that maybe you shouldn’t even bother because all people seem to complain about these days is their overcrowded inboxes. But rest assured, email marketing is one strategy you shouldn’t ignore. Email newsletters that deliver real value still get read, saved, shared, and clicked. Plus, email marketing is a great way to stay in touch with your audience, increase brand exposure, continue to deliver value, and cement your authority status.

Here are 10 ways email marketing can help your business grow:

1. Save valuable budget dollars

Save money and some trees! By going digital, you’ll avoid printing, paper, envelopes, mail handling, and postage costs. Plus, with an email newsletter you can work with a designer to design a custom newsletter template you can use over and over again, and get your message out much faster than good old snail mail.

2. Increase brand recognition

Get your brand image and name in front of your audience more often by including your logo, tagline, color palette, and brand graphics in the template design of your email communications. Seeing your brand elements in every issue will build brand awareness and recognition — even if they old see it for a second.

3. Connect with your target market

Email marketing helps you stay in touch with your audience on a regular basis, keeping you top of mind and at the tip of their tongue. This ensures that when your services, products, or programs are needed, they will buy from you or refer their friends, family, peers, and contacts to you.

4. Increase your credibility

Consistent, quality email marketing that is relevant, on-topic, and full of value will help you earn and grow the trust of your target market making it much easier for you to then promote and sell your products and services.

5. Educate your current clients

Your email newsletter is a great place to keep your clients up to date with what’s news in your business. By sharing what you’re working on and what’s going on, you can also keep them informed of the products, services, and programs you have available for them — and maybe entice them to hire you or buy from you again.

6. Attract new opportunities

Publishing an email newsletter can help you generate new opportunities such as strategic partnerships, joint ventures, media interviews, speaking engagements, and more. All it takes in the right person to see your message at the right time — and the opportunity may not even come from a subscriber, but from someone your ezine was forwarded to.

7. Create new streams of income

You can use your email newsletter to recommend as an affiliate, products, programs, and services you have used yourself or truly believe in and earn commissions on any sales made from your referrals. Once your list grows quite large, you can also sell ad space in your ezine.

8. Expand your network

Email marketing helps you grow your network and build your list by allowing you to capture the email address through a website opt-in box. By entering their name and email, visitors give you permission to market to them by email and make offers to them by email. Remember to promote your email newsletter via social media, on your website, when speaking, in products, and even in your email signature.

9. Organize your industry knowledge

A series of articles written for your email newsletter on one topic, can be repurposed into an ebook, whitepaper, guide, or even a free audio for content marketing. Use your email newsletter to test content topics, subject lines, headlines, and more, then turn your most popular content into an information product or opt-in gift.

10. Reach a wider audience

Drive your email newsletter subscribers back to your website by promoting recent blog posts in each issue. Repurpose your ezine content or archive your ezine articles on your blog to attract new visitors via social media. Share your ezine articles on article marketing and article sharing sites to gain exposure and visibility for your brand.

Email Marketing = Profits And Opportunities


Source: Bournmarketing

Ten Ways a Virtual Assistant can help Your Small Business grow





Contracting a Virtual Assistant (VA) can be one of the most astute business moves you will ever make. A decent VA will have the capacity to help you in dealing with your managerial workload, permitting you more opportunity to concentrate on developing your business and producing income. Here are only ten of numerous ways that a Virtual Assistant can give genuinely necessary support to your private venture:

1. General Administrative Support
On the off chance that you at any point wished you had a clerical specialist accessible if the need arises, a Virtual Assistant might be the ideal answer for you! VAs can give general managerial administrations, for example, word preparing, information section, spreadsheet and database upkeep, desktop distributing the rundown continues forever. Indeed, on the off chance that you could offer it to a clerical specialist, you can offer it to a Virtual Assistant!

2. Invoicing
A Virtual Assistant can encourage your invoicing, guaranteeing that your customers get auspicious, exact solicitations. By joining forces with a VA to set up your solicitations, you can pick up a colossal measure of time every month to concentrate on different parts of your business that require your particular consideration.

3. Email and Voicemail Management
In the event that you get substantial quantities of messages or voice messages, a Virtual Assistant can deal with your inboxes. They can deal with the spam and answer to messages that don't require your consideration, abandoning you with less messages to swim through regular. A VA can likewise give you a united report of voice message messages, enabling you to restore various critical telephone calls from a solitary report.

4. Internet Marketing Management
A Virtual Assistant can help you with your internet advertising arrangement. They can deal with your compensation per-click battles, post articles, present your site to web indexes, add your site to online registries, make pennant advertisements, get ready and send email pamphlets, and so forth. Since VAs make their livings on the web, huge numbers of them stay informed concerning the most recent patterns in web based advertising.

5. Client Response
Utilize a Virtual Assistant's administrations to continue existing and potential clients cheerful and returning. A VA can successfully and productively handle client inquiries and grumblings in a suitable way. By giving your clients an auspicious, supportive reaction, a VA can enable you to fabricate a more grounded association with your clients.

6. Occasion Planning
Nothing is superior to anything an all around arranged occasion. Enrolling the assistance of a Virtual Assistant in organizing your workshops and organization capacities can take a colossal measure of weight off your shoulders, taking into account tranquil coordination of your occasions. They can make courses of action for the area, speakers, providing food, photography, and so on and inform the participants, as well.

7. Travel Arrangements
Regardless of whether your business obliges you to travel widely or periodically, a Virtual Assistant can help organize and combine your trip arranges. A VA can orchestrate your transportation, lodging, as per the gatherings and occasions you will be going to. They can incorporate a definite agenda for your outing, guaranteeing that your ventures are all around arranged and bother free.

8. Web Research
A Virtual Assistant can productively perform web examine, merging the data you look for and sparing you both time and cash. A VA can utilize their broad research aptitudes to your advantage, furnishing you with unimaginable incentive by examining asked for subjects and giving the outcomes in the coveted arrangement.

9. Timetable Management
Dealing with a bustling timetable adequately doesn't occur by possibility. Group with a Virtual Assistant to enable you to remain on of critical dates, arrangements, contacts and occasions. They can enable you to remain composed and arranged every day, with negligible exertion on your part, helping you to remember commitments and occasions early.

10. Extend Management
Expansive and little tasks alike can be overseen by a Virtual Assistant. A VA can keep your venture on track by arranging and organizing assets, targets, expectations, and so forth. They can alleviate the ordinary worry of venture administration while guaranteeing that due dates are met and advance proceeds.

A Virtual Assistant can give you altered bolster answers for your private company. By collaborating with a Virtual Assistant, the novel needs of your business can be suited while decreasing your workload and giving you more opportunity to develop your business and accomplish your monetary and individual objectives.

Business Plan for Starting Organic Fertilizer Production Plant




Nowadays, starting an organic fertilizer production line under the guidance of right business plan can improve supply of non-harmful fertilizer to farmers, and it has been found that the benefits of using organic fertilizer are far outweigh the cost of organic fertilizer plant setup, not only referring to economic benefits, but also including environmental and social efficiency. Switching organic wastes to organic fertilizer can help farmers to extend soil life, improve water quality, boost crop production and eventually increase their yields. Then it is of the essence for investors and fertilizer manufacturers to learn how to make waste into fertilizer and how to start organic fertilizer business. Here, Whirlston will discuss the points that need attention from the following aspects when starting organic fertilizer plant.

When designing organic fertilizer plant, investors should consider the business scale according to budget, production capability (ability to maintain the level/scale of organic fertilizer production), supply of raw materials (output should be equal to daily supply of organic materials, to keep continuous production).

In a word, the source materials required to establish the industry, especially poultry manure and plant waste, should be readily available from the market place and poultry farms in close proximity to the proposed plant site.

How to Choose Machines for Organic Fertilizer Plant

Organic fertilizer plant mainly contains two types – pretreatment of raw materials(including composting, crushing and mixing) and granulation process(including granulating, drying, cooling, screening and packaging). For the starters who have limited capital invest on organic fertilizer plant, we propose plant with small-scale production as their best choice. Taking 800kg/h organic fertilizer production plant with quite low initial investment for instance, Whirlston proposes the suitable organic fertilizer making machines for investors and fertilizer manufacturers: small groove-type compost turner, semi-wet crusher, horizontal blender, disc pan granulator, fertilizer screening machine and automated packaging machine.

There are mainly three different shapes organic fertilizers (as pic shows) in current market, so investors can choose to produce the popular shape organic fertilizer according to local market demand. In order to make it easy to choose, Whirlston offers three generalized and accepted approaches and machines for the granulation of organic waste, including new-type organic fertilizer granulatorflat die pellet mill and double roller extrusion granulator.

http://organicfertilizermachine.com/eco-solutions/organic-fertilizer-plant-business-plan.html

Itel S32 LTE : Stepping into 4G on a Budget


The 4G smartphone market has been crowded by midrangers and expensive flagships and Itel wants to break this monotony through the budget Itel S32 LTE. The phone is actually an upgrade to the 3G Itel S32 they released earlier this year and it boasts of faster connectivity for internet browsing, downloads, uploads and upgraded RAM. You can read our unboxing and first impressions here. Before we get it into it here are its specifications in brief:

2GB RAM


16 GB internal storage


8MP primary camera


Dual front-facing cameras: 8MP and 2MP


4G LTE Support


1280 x 720 (HD) screen resolution


3000mAh battery capacity


Android 7.0 Nougat


Now let’s dive in and see if it’s worth your money.

The Good

4G LTE CONNECTIVITY

This was a necessary move from Itel since the world is heading for LTE and the OEM doesn’t want to be left behind. The 4G cellular signal was pretty strong and it delivered reliable data speeds wherever I was, especially in areas where the coverage was not the best.

There are many reasons to upgrade to 4G but of the most important ones is to get a faster web connection when you’re not on office Wi-Fi. Also, now that most Kenyan Telcos have 4G networks in a good number of counties this phone wants you to take advantage of that without you breaking the bank.

However, the phone lacks band 28 that supports Faiba 4G. We tried using a Faiba sim card but it failed to even show the network signal.

BATTERY LIFE

The 3000mAh battery the phone packs had some impressive stamina as regular use made it last all day. This is after opening multiple chrome tabs, watching Youtube, streaming music, playing games, taking photos, emails and heavy social media. I had to plug it in by the time I was retiring to bed, thus two-day battery life is not achievable.

MEDIA CONSUMPTION

The Itel S32 LTE comes in a 16:9 ratio display making the phone look wider than the trending 18:9 ratio that everyone seems to be jumping on. Though people with small hands will struggle with one hand operations on the 5.5-inch display, you’ll be glad since you get to enjoy media such as videos very well.You get a screen with a resolution of 720p, which is acceptable for a phone at this price.

Audio is served by a single speaker at the bottom, the speaker produces good audio when you’re listening to music or watching a video and it doesn’t get distorted at loud volumes. The earphones provided have decent sound quality and will suit you well but if you’re an audiophile, I’d suggest getting premium earphones.

CAMERAS

At the back is an 8MP shooter with an LED flash. I kept my expectations low considering it’s target market but I was surprised by the pictures it took. Its capabilities are worth the money as the phone takes good photos despite the pedestrian camera specs thanks to HDR and speedy image processing.

Continue reading. 

Photos of JUDY ANYANGO showing off her favourite poses




Luo socialite, Judy Anyango, shared these juicy photos showing off her favourite poses.

She is a high end pr@st!tut3 who charges 50,000 for 1 Hr $3x.
Look at these juicy photos she posted on IG. See them here


How To Spot A Fake Rolex Watch

Rolex watches are symbols of prestige and refinement. However, there is a thin line between a real Rolex watch and a fake one which is not always obvious, but with a few basic guidelines, it's usually possible to determine whether a Rolex is likely to be the real deal or a cheap imitation. For high-quality counterfeits, however, it may be necessary to consult a professional. That being said, I know you can trust and i will give a few tips.

The cheapest fakes are easy to spot because of their quartz dial movements. The second-hand stutters along inside the counterfeit watch, whereas a real Rolex has a smooth second-hand movement. If you're still unsure about the difference between a "stuttering" second hand and a "smooth" one, listen closely — there should not be a ticking noise coming from a true Rolex.

The second way to spot a fake is by the heft of the watch. Fake Rolex watches are generally lighter, whereas a real Rolex is made of high-quality metals, and will weigh significantly more.

Next, take a look at the winder on the side. Usually, fake Rolex watches have rather basic winders to move the minute and hour hands. But, a true Rolex will have a finely-crafted winder with engravings and grooves that are fascinating or quite a work of art especially for those that pay attention to details. 

Last but not least, the cyclops lens on the face of a true Rolex will magnify the date. It's hard to replicate, so most counterfeit timepieces will skip this step and the date will appear the same size. 

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