Capital One Bank Review: A Comprehensive Overview

Introduction:

Capital One is one of the largest and most well-known banks in the United States, with a history dating back to the mid-1990s. In this review, we will take a closer look at Capital One's services, fees, technology, customer service, security, and privacy, providing a comprehensive overview of what the bank has to offer.

 

Services and Products:

Capital One offers a variety of banking products, including checking accounts, savings accounts, money market accounts, and certificates of deposit (CDs). Their checking accounts include the 360 Checking account, which offers no monthly fees or minimum balance requirements and includes free overdraft protection. Savings accounts include the 360 Savings account, which offers competitive interest rates and no monthly fees. Money market accounts and CDs also offer competitive interest rates and terms.

 

Fees and Rates:

One of the most important factors to consider when choosing a bank is the fees and rates associated with their accounts. Capital One has some of the most competitive rates in the industry, especially for their savings accounts and CDs. Additionally, the 360 Checking account offers no monthly fees and no minimum balance requirements, making it an affordable option for those who may not have a lot of money to deposit. However, like most banks, Capital One does charge fees for certain services, such as wire transfers and non-Capital One ATM usage.

 

Technology and Digital Banking:

One area where Capital One really shines is in their technology and digital banking capabilities. Their online and mobile banking platforms are user-friendly and easy to navigate, making it simple to access account information, transfer funds, and make payments. Additionally, their mobile app offers features like mobile check deposit and card lock to help prevent fraud.

 

Customer Service and Support:

Capital One has a reputation for providing excellent customer service, with multiple options for getting in touch with a representative, including phone, email, and live chat. They also have an extensive FAQ section on their website that covers many common questions and issues. Additionally, customer reviews and satisfaction ratings are generally positive.

 

Security and Privacy:

Capital One takes the security and privacy of their customers seriously, with measures like multi-factor authentication and fraud alerts in place to help prevent unauthorized access. While there have been a few security incidents in the past, such as the 2019 data breach that affected around 100 million customers, Capital One has taken steps to address these issues and improve their security measures.

 

Pros and Cons:

Overall, Capital One is a strong contender for those in search of a reliable and user-friendly bank. Some of the key advantages of banking with Capital One include their competitive interest rates, affordable checking account options, and excellent technology and customer service. However, there are some potential drawbacks to consider as well, such as the fees associated with certain services and the occasional security incident.

 

Conclusion:

In summary, Capital One is a great choice for anyone looking for a bank with competitive rates, excellent technology, and top-notch customer service. While there are some potential downsides to consider, overall, Capital One is a strong contender in the banking industry and worth considering for your financial needs.

Different Types of Life Insurance and How to Choose a Life Insurance Policy

 Introduction

Life insurance is an essential part of financial planning. It provides a way to protect your loved ones in the event of your unexpected death. However, with so many different types of life insurance policies available, it can be difficult to know which one is the right fit for your needs. In this article, we will discuss the different types of life insurance policies available and provide tips on how to choose the right one.

Types of Life Insurance

Term Life Insurance:

Term life insurance is a type of life insurance that provides coverage for a specific period of time, such as 10, 20, or 30 years. This type of policy is typically the most affordable option and provides a straightforward way to protect your loved ones for a specific period. It's best suited for people who want coverage for a specific financial goal, such as paying off a mortgage or sending children to college.

Permanent Life Insurance:

Permanent life insurance is a type of policy that provides coverage for the entire lifetime of the policyholder. This type of policy is typically more expensive than term life insurance, but it provides a range of benefits, including lifelong coverage and the potential to accumulate cash value over time. There are several subtypes of permanent life insurance, including:

Whole Life Insurance: This type of policy provides a fixed premium and a guaranteed death benefit. It also includes a savings component that allows you to accumulate cash value over time.

Universal Life Insurance: This type of policy provides more flexibility than whole life insurance, allowing you to adjust your premium payments and death benefit as your needs change. It also includes a savings component that earns interest over time.

Variable Universal Life Insurance: This type of policy combines the flexibility of universal life insurance with the potential for investment gains through a variety of investment options. However, it also comes with more risk and volatility than other types of life insurance.

Factors to Consider When Choosing a Life Insurance Policy

When choosing a life insurance policy, there are several factors to consider. These include:

• Age: Younger people generally have lower insurance premiums, while older people may have more health issues that can impact the cost of insurance.
• Health: Your health can also impact the cost of insurance. People with pre-existing conditions or a history of health issues may pay more for coverage.
• Financial Goals: Your financial goals will also impact the type and amount of life insurance you need. For example, if you have dependents, you may need more coverage to provide for their needs in the event of your death.
• Dependents: The number and age of your dependents will also impact the type and amount of life insurance you need. If you have young children, you may need more coverage to provide for their needs until they reach adulthood.

How to Choose the Right Life Insurance Policy

To choose the right life insurance policy, follow these steps:

1. Determine how much coverage you need based on your financial goals and dependents.
2. Compare quotes from multiple insurers to find the best price and coverage.
3. Look for a policy that offers the right balance of affordability, coverage, and flexibility for your needs.
4. Consider working with a financial advisor or insurance agent to help you navigate the process and find the best policy for your needs.

Conclusion

Choosing the right life insurance policy can be a daunting task, but it's an essential part of protecting your loved ones and ensuring your financial future. By understanding the different types of life insurance policies available and considering the factors that impact your needs, you can find the right policy for your needs and budget. Remember to compare quotes from multiple insurers, and consider working with a professional to help you navigate the process and find the best policy for your unique situation.

 

FG: We Pay You N500m You Also Have To Pay us N500m For Eating Govt. Food While in DSS custody.

 Some traces of Waco has been expressed by FG. As they ask Nnamdi Kanu to get ready to also pay them N500m for eating their food while in DSS Custody.

Nnamdi Kanu who has been in DSS Custody for months, after being unlawfully abducted by Nigerian Govt. From Kenya, emarged victorious against Nigerian Govt few weeks ago and since then, he has unlawfully been kept in the Custody without freedom.

Nnamdi Kanu filed for damages and  the court has asked federal government of Nigeria to pay him N500m for the damages. Govt. On the own side are hilariously requesting that Nnamdi Kanu pay them N500m also for eating their food while in DSS Custody.

 This is so funny and disgraceful coming for a government of a country like Nigeria.

Breaking News: Living Faith Church pastor collapses, dies in Church

Pastor Fred Attabo, Resident Pastor of Living Faith Church, Lokongoma, Lokoja, and the pastor in charge of Kogi have died.

Attabo recently coordinated the distribution of relief materials sent to Kogi state flood victims by the founding father of the church, Bishop David Oyedepo.

According to a source, the pastor was found dead on a chair in his workplace after the morning sports in the church.

The clergyman was reportedly said to be active earlier in the day.

Tinubu Taunt Atiku: I won’t be a part-time president shuttling Dubai, Nigeria

 

Tinubu and Atiku

Presidential candidate of the All Progressives Congress, Asiwaju Bola Tinubu, on Sunday, took an indirect swipe at his counterpart in the Peoples Democratic Party, Atiku Abubakar while wooing the electorate in Kano State.

The former Lagos governor who vowed to devote 100 per cent of his time and energy to serving Nigerians if elected, however, stated that he would not be a part-time president that would spend 50 per cent of his time ruling the country from Dubai.

Recall Atiku is infamous for spending most of his time in Dubai.

The aforesaid remark was obtained in a statement released in Abuja by Tinubu’s Media Officer, Tunde Rahman, shortly after his (Tinubu) interactive session with members of the popular Tijjaniyyah sect in Kano.

The statement reads, “I won’t be a part-time President who will share time between living in Dubai and Nigeria. I would concentrate attention and energy on confronting and surmounting Nigeria’s pressing challenges.”

In attendance at the session held inside Kano Government House were his running mate, Kashim Shettima, and at least six Progressive Governors like Kebbi State, Atiku Bagudu, Abdullahi Ganduje (Kano), Abubakar Badaru (Jigawa), Bello Matawalle (Zamfara), Babajide Sanwo-olu (Lagos), former APC Interim Chairman, Bisi Akande and some of the party’s National Working Committee (NWC) members.

Members of the Tijjaniyyah sect led by leader, Sheikh Bashir Tijjani Usman Zangon Bareebah, presented a long list of issues, during the meeting, the sect wants the APC presidential candidate to address when he gets to office.

Top on the list includes improved electricity, full security, giving agriculture full attention including provision and completion of dams and improved quality education for Nigerians.

Responding, Tinubu argued that the answers to some of the demands were contained in his manifesto that has been unfolded to the whole world last week by President Muhammadu Buhari.

He stressed that he is running to be president because of his commitment to better the lives of all Nigerians.

While assuring the northern business leaders of better business environment with well-thought-out policies that will revitalise industries and open up new opportunities, Tinubu identified the link between Kano as a centre of commerce and his economic plan for Nigeria.

He said: “I promise to devote 100 per cent of my time and energy to serving Nigeria. You will have it better with me, not 50 per cent in Dubai in the United Arab Emirate, 50 per cent in Nigeria.”

“There is a strong nexus between the place of Kano as a centre of prosperity and my plan for Nigeria. What I pledge is a revamped economy which will renew the hope of our people. Our country needs multiple centres of prosperity, and we intend to achieve that by adding value across all sectors of our economy.

“As I said during my speech at the Arewa House, Nigeria is sitting on a goldmine. There is no state in Nigeria that is lacking in one resources or the other. We are determined to explore and exploit these resources to the maximum benefits of our people.

“Kano, for example, has huge agricultural potentials and important mineral resources underneath its ground like gold, silver, nickel, tin ore and columbite. Each of these, if properly harnessed, can add significantly to our economy as a country.

The APC flagbearer added that Kano’s arable land and its comparative advantage in agriculture will be further expanded to make the state and northern region industrial hubs in sub-Saharan Africa.

“The state’s vast arable land and other agricultural potentials, if added to its population will make Kano a force to reckon with in sub-saharan African agro-market. Those who listen to my speech in Kaduna would have heard about my plan for agriculture.

“Aside working with the private sector to make input available that would guarantee greater yield, among other incentives, we will ensure all categories of farmers have easy access to finance through appropriate government and private sector initiatives.

“We have seen the wonders from the CBN’s Anchor Borrowers Programme, and the Presidential Fertilizer Initiative. We will consolidate on those gains. Kano’s famous dams such Tiga, Chalawa Gorge, Thomas, Kusalla, etc that are not being maximally tapped will get special attention from my government.

“We will invest in the expansion of irrigation land, channelization of the water, among other initiatives that will ensure we cultivate these lands all year round.

“We will not stop in investing and boosting our agricultural potentials, we will add value throughout the value chain.

Through Commodity Exchange markets, we will link markets like Dawanau in Kano and Gujungu in Jigawa with international markets and boost return on investment for our farmers.

“The overall aim is to move the nation from import oriented to export-oriented economy where grains from Kano will be exported to the world market rather than us buying from other countries.

“I know of the commercial exploits of some of you, traders and businessmen in Kwari Textile Market, Sabongari Market, Singer Market and the famous grain market in Dawanau which transacts with the rest of West Africa. These commercial activities alone can provide the state with enough IGR to maintain itself with the right support and policies.

“Beyond trading and commerce, I have a special interest in addressing the problem of the dead or comatose Kano industrial estates in Sharada, Bompai, Panshekara, Jogana, etc, which were vibrant in 70s and 80s. We understand the reason why those companies collapsed and we have a plan to revive them and make them competitive.

“We will provide incentives for industrial development nationwide through institutions like the Bank of Industry. There will be a deliberate policy to create industrial hubs and free zones specific to every region. For Kano, we will give attention to agro-allied industries such as textiles, tomato paste, rice processing, animal feeds, etc, in line with the state’s competitive advantages,” he promised.

The flamingos of Nigeria Beat USA Teens 4-3 On penalties to Book a place in Semi Final

 The Flamingos of Nigeria move on in the ongoing un

der 17 world cup in India after beating the United States of America 4-3 on penalties. nigerian flamingos start on a positive note in the first half with a well taken penalty by Edafe,  At the 40min. Mark, the united state teens replied back well and were on levels terms with the flamingos of Nigeria.

The match ended 1 all which resulted in a penalty shoot out. 

BREAKING: Obi Is The Right Man To Fix Nigeria

Governor Ortom. 

Governor  Samuel Ortom of Benue State, has emphasized deeply  his call for the presidential candidates of the major political parties, to rally behind the Presidential Candidate of the Labour Party, Mr Peter Obi, who he described as a noble man in all ramifications of life, tested and trusted, and has the needed integrity, character and capacity to fix the nation.

Ortom made the call when Obi visited him to commiserate with him over the destruction of lives and means of livelihood, by the recent floods which swept through Benue and some other states in Nigeria. He lamented that Nigeria was surviving on life support and needs a true leader who can turn things around for the nation. He said that if the people did not live above ethnic, tribal and partisan sentiments, they would not be able to vote in the true leader who is most qualified to lead the nation.

“Nigeria is sick and surviving on oxygen. The country is on life support and everything is in disarray. Let us therefore put aside partisanship and join hands to salvage the country. I have said before and I am repeating this again, we must look at the 3 major candidates and see who has the capacity to deliver this country and make things work. Let us be frank with ourselves because we are toying with the future of 200 million people.Nigeria deserves a better leadership that is proactive, foresighted and visionary and Obi is that man.”

What is your thought?

Peter Obi Outlines His Plan For The North

 

Presidential candidate of the Labour Party, Peter Obi, on Monday outlined some of his plans for the Northern region if elected next year.

Mr Obi made the revelations during his talk at the Arewa Joint Committee Interactive Session in Kaduna.

He noted that improving security, agriculture and education will be some of his top targets for the region.

“We will offer immediate and decisive long-lasting and permanent-effect resolution of all security challenges in the North,” he said

“Ensure that farmers return to all farmlands for the 2023 farming Season. We will make Nigeria’s arable land in the North her new oil and gold;

“As part of our Marshall Plan for Education, we will foster Federal intervention in education at all levels in the North and partnership with State Governments and international organizations in order to improve access to affordable and quality education at all levels.”

He added that his administration will “ensure very adequate representation in government, equitable appointments especially in the Security and Economic Sectors.”

Mr Obi noted that he will also work on reviving the “moribund cotton and textile industries” and “ensure very generous deployment and allocation of economic and social projects and infrastructure in the North.”

 

Read Mr Obi’s full speech below:

It is an honour to return to the City of Kaduna and to participate in the Arewa Joint Committee Interactive Session, and rub minds on some fundamental issues germane to the future of Nigeria.

I thank the leadership and stakeholders of the Sir Ahmadu Bello Memorial Foundation for their gracious invitation.

I wish to preface my remarks by setting out our mission and vision. We are all Nigerians. I am a Nigerian running for the Nigerian Presidency to serve every Nigerian. I continue to insist on a show of respect for every candidate, ethnicity, religion and person.

The mission and vision of the incoming Obi-Datti Administration is to give full expression to our democracy by moving our country from consumption to production; we shall achieve this by giving primacy to implementing the 17 Sustainable Development Goals (SDGs).

Our dear country today has become a shadow of itself. Indeed, there is evidence that Nigeria exhibits two known indices of a failed state; parlous economy and loss of territory and emergence of ungoverned spaces.

The purpose of politics and governance is to generate economic and social progress for the citizens in larger freedom. But the status quo is the reverse. This is more so here in the North, where poverty, unemployment and insecurity are the new normal.

The North has the highest number of out-of-school children in the world. It has highest number of school kidnappings in the world. The North also has the highest number of internally displaced persons (IDPs) in Nigeria.

The vast agricultural lands of the north -the so-called food basket of the nation stand desolate and abandoned. This situation is painful and needs to be fixed. Great nations are built through visionary policies, programmes and projects, anchored on the people.

This was always the hope and wishes for Nigeria by our founding fathers. Sadly, things changed. Our leaders became selfish, myopic and stopped listening and caring for the common man. Bad leadership, divisive rhetoric, and impunity became the norm.

Nigerians have suffered; they have lost jobs, and lost their farms and herds and their trust in our leaders. That narrative must change.

The Nigerian people want solutions to the many problems confronting them. After all economic prosperity for all is an all important aspect of a successful leadership, there is hope. We know this for sure. A new Nigeria is Possible.

But we must return to dreams of our founding fathers to create an egalitarian society. The Nigeria we seek will be a United and Secure Nigeria that symbolizes the spirit, letters, and exhorting ethos of our national anthem – “one nation bound in freedom,

peace and unity” where “peace and justice shall reign.” As we seek to come to power in May 2023, we are aware of the daunting array of domestic and external challenges confronting our dear nation, and we are fully prepared to lead from the front.

We are cognizant of the domestic policy challenges that have accumulated over time; and that the lack of adequate public policy responses has made them worse, with a devastating impact on national unity, social cohesion, public trust in government, and economic performance. We have a grasp of prevailing challenges.

Nigeria’s needs and unmet needs are very huge. Yet hunger, insecurity, poverty and deprivation know no tribe, religion or gender.

With all sense of urgency, we will, pursue aggressively policies programmes and projects to enhance the productivity and competitiveness of all the sectors of the Nigerian economy.

For the North we will do the following:

a, We will offer immediate and decisive long-lasting and permanent-effect resolution of all security challenges in the North;

b, Ensure that farmers return to all farmlands for the 2023 farming Season. We will make Nigeria’s arable land in the North her new oil and gold;

c, As part of our Marshall Plan for Education, we will foster Federal intervention in education at all levels in the North and partnership with State Governments and international organizations in order to improve access to affordable and quality education at all levels;

d, Ensure very adequate representation in government, equitable appointments especially in the Security and Economic Sectors;

e, Incentivize the resuscitation of the moribund cotton and textile industries; and full exploration of the cattle economy value chain, notably the $75b global hide and skin economy. Nigeria’s share of the global industry is envisaged to generate over $1bn by 2025; and finally,

f, We will ensure very generous deployment and allocation of economic and social projects and infrastructure in the North – with keen attention to Roads, Energy, Power, and Dams- and Solar energy from Sunlight.

In closing, let me say this on record. I have come in peace to develop, to secure, and to unite, and I will do so with every commitment to the growth of Nigeria, as one great and united country.

We shall pay as much attention to the development of the North as to the development of all other parts of the country; but with much greater emphasis on the development of the Agricultural resources.

The North remains where the biggest ad sustainable wealth of this great Nation lies.

If elected President, I shall govern with the fear of God and with all good conscience and intent. The Constitution and the rule of law will always prevail. I thank you for your kind attention. May Almighty God bless you all and bless Nigeria. – PO

Breaking: APC Government To Leave N 39.12 Trillion For Successor

Buhari to leave N39.12trillion naira For his successor. The PUNCH newspaper has it on front page that the current president of Nigeria is to vacate officer after his tenure with a whooping debt for his successor.

This is the greatest leadership failure of all time. Are you kidding me?. 

How on Earth did Nigeria get to this level of electing gradeA incompetence for a president

How to Make Money with Google Adsense

 

Google Adsense is an advertising service that allows publishers to earn revenue from their online content. It’s an easy way to make money and is perfect for bloggers who are looking to monetize their content. In this guide, we’ll show you how to make money with Google Adsense. We will go over the basics of the program, how to set up your account, and how to monetize your content. At the end, I recommend some of the best places to start monetizing your content, as well as some of the best blogs to follow for inspiration.

1. What is Google Adsense?

Google Adsense is a free service that allows website owners to earn money from advertising their website. To make money with Google Adsense, you will need to create a few pages on your website and fill them with ads. You will then need to place the ads on your website and earn money on each click. To sign up for Google Adsense, you will need to create an account on the Google Adsense website. You can also sign up for other ad networks, like Chitika, and earn money from those websites.

2. How to set up your account

Google Adsense is a popular advertising service that enables publishers to display ads on their websites. It is free to sign up for the service and it is easy to set up. Google Adsense is one of the most popular ways to make money through the internet. It is a great way to monetize your website and earn income. If you are new to the advertising world, Google Adsense is a great place to start. Google Adsense offers a wide variety of advertising options, including text ads, display ads, and mobile ads. With Google Adsense, you can choose to display ads on your website, blog, or mobile app.

3. How to monetize your content

Google Adsense is a great way to generate income from your website. It's easy to set up and is a great way to monetize your website. You can also try using Google Adwords to help optimize your website. Google Adsense is a great way to make money, it's free to sign up, and it's easy to set up.

4. Conclusion.

In this guide, we've discussed how to make money with Google Adsense. We've covered the basics of how to sign up for Google Adsense, how to make money with it, and how to market your website. We've also discussed how to optimize your website for SEO, how to create pages for every important keyword you want to rank for, and how to link your content pages to your best content pages. Remember that the more pages you have, the more likely your website ranks. Finally, we've talked about how to create new furniture out of old furniture and how to use Google Adsense to make money.