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.

The Hopi and Their Jewelry

Hopi Silver Overlay Jewelry

The jewelry of the Hopi has a style distinct from that of the other Native Americans. The Hopi are known for the use of silver overlay, which utilizes a technique of fusing two layers of silver. The eye-catching and often elaborate design is on the top layer, while the bottom layers serves as a base.

It was not so long ago that the Hopi developed this technique. In fact the Hopi were not much into the making of silver. In their relative isolation on the northeastern Arizona high plains, or mesas, they were somewhat firewalled (so to speak) against external influences. Even their interaction with other Native Americans was limited.

Silversmithing of Native Americans

So while the Navajo learned and developed their silversmithing skills, a technique brought to the south-west of the American continent by the Spaniards, and which was then taken up by the Zuni, the Hopi were still practicing their own artistic heritage based on weaving and pottery. They were also adept at the making of kachina dolls, for which they deservedly remain renowned.

Time, of course, would not stand still, and even reliably isolated communities began to open up. Trading and commerce grew and the Hopi through their interaction with the Zuni exposed them to the craft of silver jewelry, at which the Zuni were now skilled. Lanyade, a Zuni, learned his silversmithing from the Navajo, and began to sell his silver jewelry. He travelled among the Hopi and Sikyatala became his student in 1898.

Sikyatala

Sikyatala is credited to be the first Hopi silversmith. It is reported that while Lanyade was at the Hopi reservation for four months, making and selling his silver jewelry pieces, Sikyatala was studiously observing and learning from the master at close range.

Sikyatala then began to use the technique of making silver jewelry. Other Hopi also began to follow and emulate the work of Sikyatala. In time the Hopi developed their own style, that of using overlay silver.

Hopi Silversmiths Paul Saufie and Fred Kabote

This technique did not so much evolve as was created by the Hopi silversmiths Paul Saufkie and Fred Kabote who were involved in a program at the Museum of Northern Arizona in 1938. After World War II the Hopi Guild was formed to encourage a program of silversmith training .

The designs of the silver overlay jewelry of the Hopi were also unique in that they adapted designs from the old broken pottery pieces of the 15th and 16th centuries. New motifs were also incorporated by the Hopi Guild, including kachina symbols.

The cross-currents in Native American jewelry nowdays mean that there are cross-influences as well. And different styles from the different currents may well find themselves evident in any piece of modern American Native jewelry.

But the fascinating development of Native American silversmiths and their crafts, in their different streams of artistic design, does not entirely obscure the original creativity. The silver overlay technique was the creation of the Hopi, even if it may now be employed by others.

Michael Kabotie

In ending, it may be noted that the work of Fred Kabote was continued by his son Michael Kabote (also spelled 'Kabotie'). Michael Kabotie recently passed away at the age of 67. He was a trail-blazer in the Native American fine arts movement, both as a Hopi artist and jeweler. His paintings were well-received, depicting traditional Hopi life. For a number of years, he also tapped the Hopi overlay technique at the Idyllwild Arts program in Southern California.

Treadmill Deck Info: Treadmill Decks Materials and Warranty

Treadmill deck is the material that forms the hard surface on which you run. In other words it's the supportive surface. This article identifies the decking from the tread belt which is the belt that moves across the decking.

Important

Treadmill manufacturers do not provide a great deal of information about the actual construction materials of their decks. These days most treadmills, especially if priced above $ 1,000 are constructed with decently strong tread decks (usually medium density fibreboard with a duo phenolic coating – all discussed in detail below).

However, strength is not the be all and end all. If strength were most important, more treadmill manufacturers would use metal. Metal is used, but not extensively.

What are decking construction objectives?

Like I said above, if strength was the only objective, metal or steel decks would rule the day. But strength is not the only objective. Quality decking should:

  • Be strong
  • Be durable
  • Have some elasticity (ie slightly flexible, but not bouncy)
  • Minimize noise (ie muffle noise if possible)
  • Have a smooth surface to minimizeize tread belt friction

What materials are used?

Often you'll see reference to solid wood, medium density fibreboard (MDF), and metal as materials used for treadmill decks. For coating you'll usually read about phenolic coating. The article explains these different materials.

Materials

1. Medium density fibreboard (MDF)

MDF is created by breaking down wood into fibers (sawdust) and then forming the fibers into a solid treadmill deck with wax and resin. The usual thickness is 3/4 "to 1". You can read more about MDF here.

MDF is the predominant material used for treadmill decks.

2. Solid wood

The deck is made out of 3/4 "to 1" solid wood. The trouble with solid wood is it's hard to find a piece of wood that is perfect. MDF, although not perfect either, ensures a consistency that's hard to find with solid wood.

Particle board: Particle board is no the same as MDF. Particle board is not fiber-based. It's a solid wood composite product. The result is that particle board is much weaker than MDF. MDF is denser and stronger.

Avoid treadmills with decks using particle board. You'll be lucky to get a year out of it.

3. Metal

Metal decks are not nearly as durable as solid wood or MDF decks. It's heavier and does not create as "soft" of a surface as wood or MDF. Running on metal or steel simply is not as enjoyable as on solid wood or MDF.

What material do I recommend?

MDF deck that is duo or triple coated with phenolic resin coating.

The coating

Some treadmills are covered on both sides (duo-coating, sometimes also referred to as triple-coating), while lower-quality treadmills coat only 1 side of a treadmill deck. The better deck is coated on both sides which helps reduce warping. It's also better for reducing friction with the tread deck along the entire surface area on which the tread belt moves.

Best material used for coating:

Phenolic: This is the best coating material. You'll pay more for phenolic coating, but it's worth it.

What is phenolic resin coating?

Phenolic resin coating is a plastic resin. When a treadmill deck is covered with phenolic resin, wax the wood deck is unnecessary.

Can you build your own if your original deck breaks?

Yes, but it's not advisable unless you really know what you're doing. Simply slamming in a sheet of plywood or MDF is not going to do it. There's properly coating the deck and ensuring it securely attaches to the treadmill.

The last thing you want is your deck to break apart when running or walking.

This is why having a lifetime warranty on your treadmill deck is important. Decks often break or crack (especially with lower-priced treadmills).

Decking Considerations

Replacement frequency

The range in the number of hours of use treadmill decks are good for is astounding. Some lower-end treadmill decks are designed for 500 hours, while other warranty their decks for life. Naturally the intensity of use and weight of users will impact the duration of a treadmill deck.

Is it reversible?

Some treadmill manufacturers make reversible tread decks so that you can get more mileage out of them.

Is reversible good?

It depends. Some manufacturers make treadmill decks that are warrantied for a lifetime without having to reverse them. Others do not come with a lifetime warranty and can not be reversed. These may have the shortest lifespan. Then there are treadmills with reversible decks which in theory doubles the lifespan of the treadmill deck.

The warranty

Ideally, the treadmill you buy will have a lifetime warranty on the deck. This is indicative the manufacturer stands behind the deck and in the event the deck fails, you get a replacement.

Cushioning technology

Cushioning technology is pretty cool these days. Treadmill cushioning technology includes the amount of, type of, and quality of the treadmill cushioning.

The Basics Of Affiliate Network Marketing

"Getting started with affiliate marketing" 5 secrets you must know

By now most of us have heard of network marketing and most of us have heard of affiliate programs. The major understanding network marketing basics much better than affiliate programs. So let's cover a few basics so that you can determine whether network affiliate marketing is of interest to you.

"Getting started with affiliate marketing" secret # 1

Affiliate programs also go by a host of other programs names, all meaning the exact same thing. Whether you find them under affiliate programs, profit sharing programs, referral programs, associate or reseller programs, they are all based on the exact same principle. When you join one of these programs, you receive a special web site link form the company that identifies that web site as yours. It is your job to market the site. When you refer people to your site and they make a purchase, you receive a commission for that sale.

Affiliate programs allow people to create online businesses with little effort. There is no need to worry about warehousing, inventory, employees, insurance or licensing. You are in effect "borrowing" the site for your own profit, since the term, profit sharing programs. These are ground floor opportunities with noticeable potential for profit. Your job is to simply direct the traffic to your site. There is no need for you to ever place a phone call, close a sale, or chase down your friends and family. You receive a commission from any purchase made on your affiliate website.

"Getting started with affiliate marketing" secret # 2

Some affiliate programs will allow you to create your own domain name for the website and use that web address for the site link. This often looks a little more professional and is also easier to use. Affiliate links are easy to recognize, Affiliate website followed by your id "hopefully they should be short links". This is a simple web address followed by a user name. I have seen some affiliate links that are near a mile long, too long to remember and too long for the potential client to rety into their browser should the link fail. Using your own domain name looks more professional and is easier to use.

Now that you are all set up, it's time to start getting traffic to your site. Some people try buying traffic, but pre purchased traffic has its downside. The idea is that a marketing company will guarantee that you will receive a specified amount of traffic to your site within a specified time frame. Enough traffic should play the percentages right and you should end up with sales.

The downfall to pre paid traffic is that most companies pay individuals to click on the web links provided to them. Very few paid traffic companies really do any marketing on your behalf. You might get lucky and someone might actually actually look at your website while they are there, but chances are you'll be paying for a lot of uninterested people to click on your link without any intention of reading the content on the site.

OPT-IN MARKETING "Getting started with affiliate marketing" secret # 3

Now you need to explore marketing methods. We will cover a few methods of affiliate marketing, but there are many more out there. E-mail marketing is popular, but you have pay close attention to the very strict spam laws. Not only will spamming decrease your chances of success and make the entire company look bad, but most affiliate marketing programs will terminate your account and even fine you if you are spamming.

Opt-in e-mail lists are specifically designed to reach a market of your choice. People have to agree to receive the e-mails so there is no chance of being accused of spam. Using e-mail lists can be successful, and wonderfully free, if you can be creative enough to not only get your e-mail opened but to convince the prospect that you have something better than they are probably working on themselves. Using false promises may be attention grabbing, but it is certainly not a recommended method of advertising. Remember that you are in effect a subcontractor for a bigger company. What makes you look bad also makes the entire company look bad, so be careful about the content of your e-mails.

If you really have a good and solid opportunity, and most affiliate programs do, you should be able to have some success with opt-in e-mails. Remember these are people who are looking for the exact same thing you are, success in internet marketing. Not all programs are quality programs, so those that are becoming much easier to market even to those who are already doing their own marketing for something else. Solid companies with marketable products are not the easiest to find.

"Getting started with affiliate marketing" secret # 4

One of the best examples of affiliate programs would have to be Amazon.com. They have a remarkably high success rate because they offer a solid program and have done a lot of the marketing for you with their own advertising. You do not have to introduce a new plan. However, because of its success, there are already over a half a million associates marketing their affiliate site. That's a lot of competition and it may not be the best for the amateur marketer.

Free opt-in e-mail lists that barrage its customers with hundreds of email daily are not effective marketing tools. There are too many e-mails being sent to everyone else to really have much of a fighting chance of getting your email opened and read. Again, you may want to play the statistics game, but you should at least add opt-in e-mail lists that send out only a few ads per day to their subscribers. You will receive higher quality results this way.

One of the best free to join opt-in-e-mail lists comes from SubscribeMe website. Not only is it free to join but they allow you to join a vast amount of lists at once. You will have to confirm your subscriptions as they come through to your mailbox for your ad to run in every possible issue, but they keep the number of ads they send out per day restricted so that there is an opportunity for everyone's to be opened and read .

Again, you will want to be creative with you subject line and really write some quality ads, but this is a good free resource for e-mail marketing. You will also receive e-mails telling you when you can expect your ad to run and in some cases they will tell you how many subscribers they have at present.

COMBINED MARKETING METHODS "Getting started with affiliate marketing" secret # 5

Opt-in email marketing is a solid marketing method for any type of internet business, but they seem to work especially well for affiliate programs. Most affiliate programs are either free to join or are very low cost. Although most free to join programs require an upgraded status in order to receive responsibilities. The low cost of these programs make them desirable for the average person who does not have a lot of capital to sink into a new venture.

When writing an opt-in e-mail ad, be sure to take into account the word limits and line limits. Getting straight to the point and writing attention grabbing ads may take a little time and practice, but they are well worth the effort and can be successful.

Opt-in advertising is not the only method of marketing a person should use, but it can lead to effective advertising when combined with other methods. Not all of these methods are all that expensive and can enhance your marketing efforts to produce results.

When using combinations of methods, it is best to start with a particular method and then gradually add to it as that you have a method of tracking your results. It is senseless to pay for marketing that is not bringing anyone to your affiliate web page.

Some of the better combination methods include, but are not limited to, advertising, pay per click advertising, and rotator web page advertising. Banner advertising can either exist on top of related emails and websites or along the relevant information. Pay per click advertising is an agreed upon bid to major search engines to include your website for keyword searches. Keyword searches vary significantly and it is best to do some research before attempting this method. It can get costly to do keyword search, but it can also be very effective. Rotator ad pages are simply full page advertisements for the same affiliate company that simply rotate the URL link to various participants in the ad. This also can be a fairly low cost and effective method of marketing.

This information and a whole lot more can be found on affiliate site. This website is an independent site that carries a variety of sound information regarding affiliate programs and internet marketing. Their informative articles are a wonderful education for anyone trying to achieve success through online marketing. It's worth a lengthy visit to this site to bone up on all the latest news, reports, and information to make your affiliate marketing plan a success.