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.

3 Criteria For Goals That Will Truly Motivate Your Team

I'm sure all of us are looking for ways to inspire our athletes to achieve their highest potential. And I'm sure all of us agree that goal setting is an integral part to any successful season. Based on his TEDtalk, "Why We Do What We Do" , Tony Robbins gives us a "map" to properly motivating our teams. First, we have to give each individual a role on the team. Then we have to find out how to meet their emotional needs. Finally, we give them the tools to make their team experience positive. Read on to find out how!

3 Things Coaches Should Understand in Order to Motivate Our Teams

Three questions. Robbins says that every decision we make (Will I go all out in practice? Will I try something new and risk looking bad until I master the skill?) Requires us to answer three questions. He calls them the Three Decisions of Destiny.

The first question is "What am I going to focus on?". Let's use "will I go all out in practice?" as our sample. We have to get our players to focus on how their effort will benefit their team and help the team get closer to accomplishing their goals. So rather than focusing on the pain that they feel in working hard, their attention is on doing their part for the team.

The second question is "What does it mean?". Going all out in practice means verbally supporting one's teams, giving complete physical effort, and being willing to do whatever they're asked by the coach.

The third and final question is "What am I going to do?". To make sure they go all out each practice, they will eat healthily, get plenty of sleep, and remain focused on their sport during practice times.

6 Human Needs.

We all are motivated by these six emotions / needs / beliefs … it's the coach's job to find out what button to push for each student-athlete.

The 1st need is certainty. There are some things that our players need to know without a doubt: For example, the coach is knowledgeable, fair, and caring.

The 2nd need is uncertainty. I know that sees to contradict the first, but I do not think it does. While some things should be set in stone, others like playing time and the starting lineup should not be certain … otherwise our starters will become complacent and the non-starters will be apathetic.

The 3rd need is critical significance. Our teams should have a compelling reason for coming to the gym every day … and it's our job to give it to them.

The 4th need is connection and love. We all want to feel like we belong to something special and that there are folks out there who care about us.

The 5th need is growth. If a player feels that they were not given the opportunity to get better (with skill, with leadership, with self-awareness), why come to practice every day?

The 6th need is the ability to contribute beyond ourselves. Whether it's team community service, sacrificing personal goals to help the team win a significant victory, or challenging your seniors to leave their mark on the team … we've got to give our players the ability to make a difference.

Becoming influential. So we're still using our sample question, "will I go all out in practice?", As the example for this goal setting technique. In this final step of the motivation process, we help our athletes create a positive situation for themselves. We should ask them what their target is … meaning what do they hope to accomplish by going all out in practice (respect from peers, etc.)? Next is to find out what their belief system is … will they stoop to gossiping and backbiting a team in order to get to "connection and love"? Finally, we have to find out what fuels each athlete. Robbins says that each of us has a dominant human need (certyty, critical significance, etc.) and the player's goal has to feed that need.

Check out the video if you get a chance and see if you can put your own sports spin on things … it's well worth the watch!

How to Make Your Wedding Stand Out With Wedding Favors

Why do you want your wedding to be unique? It is obvious almost every one who is getting married desires every one to have a great time and remember that special day. What is going to make your wedding day any different from your sisters or cousins ​​wedding. I will tell you what will make a guest remember your wedding. It is the guests, food and the decor you have at your reception.

Wedding Favors can add a special touch to your wedding day decor. They make very memorable keepsakes of your special day and are great for memories. Here is a list of some really nice party favors that you can have at your wedding.

Bride and Groom Favors Boxes

Whimsical but still proudly displaying a dash of formality, these bride and groom favor boxes double as place card holders and are a charming little touch to any place setting.

Love Glass Coaster Favors

Love spells sophistication. These frosted glass coasters make elegant and useful guest favors, ones that your guests will truly appreciate and use for years to come. Most retailers will offer you free personalized tags if you order 24 or more. Show your guests some love.

Photo Frosted Glass Coasters

These gorgeous frosted glass frame coasters will protect your memories forever. Crafted of heavy high quality frosted glass, each coaster features four padded "feet" to protect surfaces. Present your guests with these lovely gifts in any number of ways: framing a photo of the happy couple, used as a place card holder, inserted with a personalized tag of your name and wedding date, or simply displaying it with the beautiful Thank You tag that comes with the favor. Just add a your best picture and it makes an instant keepsake.

Something Blue Gift Boxed Candle Favor

Here is a new take on a time-honored custom. If you already have something old, something new, and something borrowed, but you are missing something blue, then this is the party favor for you. This miniature blue candle gives off a heavenly scent and is detailed with striking white flooring, ending in a bow atop the candle. This party favor makes a great addition to any wedding.

Well these are just a few of the many different types of party favors that you can use to make your wedding more unique. So just browse around the many retailers and we are sure that you will find the perfect favors for your wedding.

Cosmos Vs Globus

Visiting Europe is more affordable than you might think. The Globus family of brands has two options to choose from. Cosmos offers a great vacation value for those on a budget, while Globus offers premium escorted travel.

In order to understand the difference more clearly, I am going to use an example I came across earlier this week where a client was planning a trip to Spain, but was undecided between the Cosmos "Grand tour of Spain," and the Globus "Spanish Fiesta. " Specifically, the client wanted to know why she should pay $ 500 more for the Globus trip, when the cosmos goes to the same places and is one day longer?

This is one of the best questions you can ask your travel agent! The tourist industry is a very competitive field and if one company is offering the same itinerary at a decidedly different price, there's got to be a reason. As we sat and discussed the two itineraries, here is what the client learned.

She would land in Madrid on either tour; both would meet and greet, (if airfare had been purchased through the tour operator), and each would have a hotel room reserved in her name. Now where the difference begin, is that the Globus tour director would host a welcome dinner that evening and she would meet the other travelers. The Cosmos tour director would only be in the hotel lobby to say hello. Dinner will be on her own, and perhaps she would meet up with other travelers and join them.

After a buffet breakfast (included each morning in either tour) the Globus group will have in depth sightseeing in Madrid, seeing all the major sights, with an entrance to the world famous Prado Museum included and paid for. The afternoon will offer free time. The Cosmos group leaves Madrid, and is driven to Valencia (via Aranjuez and Cuenca), a distance of about 222 miles, with a stop at the Royal Palace along the way. The driving time is about 4 hours, but there will be photo stops as well as a stop for lunch, although not included. The Cosmos tour would then stay in Valencia two nights, which no included sightseeing.

On day two, the Globus tour will head north to Vitoria, stopping at Segovia and Burgos … with photo, rest and lunch stops, of course. Lunch is not included with the Globus on this day either. The distance is about 175 miles, or about 3 hours.

I will not continue the day-by-day comparison, as the article would be quite lengthy, but be assured that these differences continue through. Example: Globus has in-depth sightseeing in Granada, Cosmos offers it as an optional. The Globus tour takes you to Gibraltar, with entrance fee included; Cosmos does not go to Gibraltar. Globus stops for guided, fee paid sightseeing in Toledo; Cosmos does not stop at Toledo. The Cosmos visit in Madrid is at the end of your tour, no inside visits are included.

There are also more subtle differences that a Globus tour includes over Cosmos, such as extra nights in major cities to allow for more free time, a few extra meals throughout the trip, sometimes with wine included or entertainment. With Globus you often each at local restaurants, where we Cosmos you frequent the hotel's restaurant.

To sum it all up, if your goal is to travel comfortably, with clean hotels, some meals, a tour guide as your shepherd and information source and at a price you can afford, go "budget," which is with Cosmos tours . Just remember, there will be many "optional" tours and meals, so do the math. If you want to see as much as possible, gain access to outstanding museums and sights, stay in centrally located hotels and avoid many of the optionals, so more is included in your up-front price, you will find that Globus tours is the better way to go.

Keep in mind they are both owned by the same company, who have offered escorted tours for over 80 years, so you will not be disappointed either way, as long as you are clear on what's included in the price.