Prepaid Credit Cards for Teenagers – Are They Good Or Bad?

The words credit cards and teenagers used in the same sentence is enough to strike terror in the hearts of most parents, and with good reason. Teenagers like to spend money. There is no way around it. There are clothes, music, movies, shoes, games, junk food and an assortment of other things to buy when you are a teenager. A credit card would certainly get them into trouble in no time. However, there is such a thing as prepaid credit cards for teenagers. This could be the answer for both you and your teenagers.

Getting a credit card of this kind for your teenager can set him on the path of learning how to manage money responsibly and earning some positive money managing skills. So while a regular credit card would most likely be too much temptation to handle, prepaid credit cards for teenagers can actually be a good idea.

If you are thinking of this as an option for your teenager, there are several different programs to investigate. You will want to explore just what choices there are available for prepaid credit cards for teenagers, and then select the one that suits you and your teenager best.

First Bank & Trust of Brookings, SD offers the Allow Prepaid Mastercard. This is a prepaid credit card for high school students and teenagers. It also comes with parental control to help monitor your teen's spending. There is an activation fee of $ 19.95 as well as a reload fee of $ 2.50 per $ 100. The monthly maintenance fee is $ 3.50.

The US Bank Visa Buxx Card is specifically made for teenagers 13 years and older. For this prepaid credit card for teenagers, there is an enrollment fee of $ 10 – $ 15 dollars and a reload fee of free to $ 2.50. There is not actually a monthly maintenance fee for this card. However, this is a $ 2 fee for an inactive account that is applied monthly if needed.

The above are examples of what is available in the form of prepaid credit cards for teenagers. Of course you will want to do your own research and possibly check with your bank to see if they have any sort of plan available for your teenager. If you have an active checking account with a financial institution, you may find a better deal in securing a prepaid credit card for your teenager. Whatever card you choose, be sure that you make full use of the parental monitoring of spending option. This is about learning to manage money and spending spreads will not help in this pursuit.

How To Read Jewelry Marks

The number markings on precious gold jewelry are a bit of confusion to lots of people. We are generally used to seeing a karat or silver mark like this: 10K, 14K, 18K, Sterling, etc. The numbers mean the same thing.

For 14k the number is technically 583 but most manufacturers adopted the European way and make 14k gold a tiny bit over 14k, so the mark is 585 in most 14k jewelry. 18K is marked 750. If the mark is valid and there is a makers mark also in the jewelry, the number means these items are 18k gold.

Here is where the numbers come from. Pure gold is called 24 karat. For 18k gold, there are 18 parts of pure gold mixed with other metals to make the metal suitable for use in jewelry. 24k is too soft alone to stand up or to hold stones well. 18 parts pure gold divided by 24, or 18/24 equals 750. That is where the number comes from. The jewelry is 75% pure gold, 750 parts gold with 250 parts other metals out of “1000″ parts. It is easier to think of it as a percent which is pure gold in the recipe.

Sterling silver is marked 925. Sterling is 92.5% pure silver and the rest is other metal, generally copper.

What does it mean if the ring marked 14K PR? The 14K simply means it is 14K (Karat) gold and because of the K means it would have been made in either South East Asia or The United States. The PR marks are just the Maker or Store ID or even a design mark, and have no relevance to the Value.

The basic decimal formula to work out the quality of gold content is quite simple, as they are all measured in ‘Parts per Thousand.’ This means that 9ct gold is calculated like this: 9 (for 9ct) is divided by pure gold (24) and then multiplied by 1000 (for pure gold as a decimal). ie: 9/24*1000=375 That 375 is the decimal quality for 9ct gold and is sometimes shown with a decimal point in front – .375

The old Victorian standard of 15ct gold is calculated the same way – 15/24*1000 = 625 (Not quite the numbers you have on your jewelry. Dental gold is 16ct or 666 recurring. But you can also reverse this formula by starting with the decimal and working back. ie: 375/1000*24 = 9

In your case we can use 698/1000*24 = almost 17ct

I have a platinum engagement ring and found a wedding ring that I really like but the band is made of palladium. Is it safe to wear these two metals together without one damaging the other?

It will wear the softer metal OVER TIME but that could take many years. My Grandmothers wedding ring eventually wore away the band of her engagement ring but it took over 20 years to do.

Platinum and Palladium and quite good together but I would take the advice of your local friendly jeweler and have them check both rings. Sometimes the Platinum may be a lower grade in order to make it harder – so have that checked.

Affordable Car Insurance!

It is possible to get affordable car insurance!

All of us are trying to save a bit of money. All of us have those annoying expenses in our lives. What would you rather do, pay your phone bill or buy yourself a new jacket or a set of golf clubs? Of course. We are all the same. But we gotta pay those bills. Luckily there is now a way to save some money on some of those. Nobody likes to talk about it, except when they complain to their neighbor how much it is! Car insurance. Thats right, car insurance. We all need it, we all gotta pay through the nose for it. But affordable car insurance?

Yes you can save money with it. It can be more affordable. Studies show very few people comparison shop for car insurance, but its easy and its fast. And it can be much more affordable.

There are many car insurance sites now on the Internet that will do the legwork for you. Just a few simple questions and just a moment later, you have in your hands, all the information, all the quotes from different insurance companies, ready to go. That was not so bad, now was it?

Now you have what you need. With what you know now, now you can contact the insurance company. Now you can do a bit more research to see if you can save even more money. Thats right, your car insurance can be even more affordable!

Here are a few tips to make your car insurance more affordable:

Insure your car and home with the same company.

Take a safe drivers course.

Have good credit.

Have a clean drivers abstract.

All of these and more will save you money. You will have affordable car insurance! Good luck!

Web Branding – Make A Name For Yourself

There really are three different levels of marketing significance when it comes to your online business.

There are three different levels of strategy that result in three different sets of results.

1) Advertising – This role is primarily designed to elicit short-term results on a specific campaign or site performance goal.

2) Search Engine Optimization (SEO) – This role is designed for long-term growth by getting search engines to recognize your site and view you as trustworthy and describing of a high ranking.

3) Web Branding – This role is also designed for long-term growth, but may have more to do with customer confidence in your product and less to do with driving new traffic to your site.

In web branding the idea is to develop a confidence in your product and or service.

Did you know it is possible to develop a strong web brand and find customers returning even if that means paying more with your site?

Why is this true?

If you develop sound web branding strategies a customer will have no problem returning to use your services or buy your product. Customers will pay the extra if for no other reason than they are confident you can and will deliver on your promises. These customers have seen your track record and they are satisfied you will do what you say you will do.

In times past there was greater brand loyalty for house cleaning products, food items, clothing and even vehicles. Branding of most products is becoming harder to do, but it's not impossible.

Web site owners who have taken the time to really understand the core of their business begin to gain a clear picture of how they can take the uniqueness of the business and leverage that special something into a means of branding their company online.

This is important because there are businesses that stop at advertising. Other businesses will add an impressive array of SEO strategies that will eventually get them noticed. While both of these are important strategies the miss the mark in defining the difference between online businesses that sells a product and THE online source for a product or service.

The end goal is to have customers view you as the only reputable seller of whatever product you specialize in.

There are many too many businesses that are content to simply sell a product without ever really making a name for themselves.

Is not it time you started taking steps to make a name for yourself?