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.

5 Reasons Women Love Romance Movies

Since the beginning of cinema, romance movies have been well loved – predominately by women. Today, when a new romantic comedy or drama hits theaters, it's the perfect excuse for a ladies' night gathering. Many men (and even a few women) have amazed what it is about this genre of film that draws women in. Here are 5 reasons women love romance movies.

Women Love Getting In Touch With Their Emotions

Women are emotional beings, and not only do they have no issue displaying their emotions but many do not mind having those emotions drawn out of them. Sometimes it just feels good to have a hearty laugh or let the tears flow while watching others go through the ebb and flow of finding love, falling in love and losing love.

Women Prefer to Watch Rather Than Read Romance

Okay, so this is not true for all women (but what statement is?). However, with the busyness that consumes the daily lives of most women, many prefer watching romance movies to reading romance novels. It's less time consuming, equally entertaining -or more so for some- and equally emotion spurring.

Women Love Using Romance Movies to Hint At Men

Women love watching romance movies to throw hints at the men in their lives as to what he should or should not be doing in their relationship. Some women will watch the movies alone while making notes or with their guy and having him take notes. Yes, a woman wants a man to chase her when she storms out after a fight, to serenade her from below her bedroom window and of course, to whisper sweet cinematic lines in her ear that give Tom Cruise's classic "You complete me" some serious competition.

Women Relate to the Characters or Plot

Some romance movies are just plain happy -and women may love those too- but some women love the more realistic films, the ones they can painfully refer to. Typically, stories of lost love and young love spark emotions in women and bring up old memories but women can appreciate the way the film made them feel and even relish in the memories.

Women Want to Be the Characters and Live the Plot

So, what's the number one reason most women love romance movies? The Fantasy, of course! The happy ending is what every woman wants and few get to live in real life. It's a nice escape from the reality of real life relationships for 90 minutes!

Get Light and Colorfully Dressed for the Summer

Did you realize that food, clothes and shelter, the basic requisites of humans, are decided by the regional climate and culture, customs and beliefs? Now that the torpid heat of summer is fast descending, it is time to rethink the wardrobe and bring out the flimsy clothing. Though you wish you could, you cannot really wear tees and shorts for every occasion! Some formalities need to be observed, no matter what the weather.

Goodbye to the darker shades

In keeping with the riot of colorful flowers blooming everywhere, light and bright colors are in. Are men and boys going to wear those delicate shades of yellow and green, blue and orange? Yes, and why not? You certainly will not wear the darker shades and certainly not black. That might turn out to be dangerous with excessive heat and active, busy lifestyles out in them could result in a stroke. Don’t forget to keep sufficiently hydrated with a variety of liquids.

Put away those heavy costumes and boots

It is time for the dry-cleaned woolens to rest before they are back in action later after you have perspired for months. While you sweat it out now and take to ACs and coolers, it is a relief to get away from those heavy suits, the footwear, and the warm underclothing. While those late night parties in the cold were enjoyable, it is a different carefree attitude now. Let go for the moment and forget those stories of the homeless freezing to death on snowy nights after sleeping on the pavement.

Cotton and silks will do the trick

Whether shirts or trousers, kurta sets with waistcoats, casual or formal wear, cotton will see you through the summer. If you didn’t try it before, give it a splash of color like the spectrum that comes from the light. Office wear may be more subdued with grays and browns, though traditions are changing. Plain shades or printed designs are very much in vogue and elevate feelings, bringing pep and zing to the productivity.

Silks can attain an ocean of fantasy and strike the right note in cementing relationships or making a fashion statement. Were you thinking of the ornate parties on official occasions where you meet up with some very privileged guests? Don’t forget to put on your best manners and speak the right things.

Working out

Those sessions at the gym may require a change of attire. Tees and shorts should be good enough, but make sure that you possess several sets if gyms happen every day. The diehards will do it one way or the other.

An accessory range

Don’t forget the caps to keep the fiery sun at bay while footwear often speaks the right notes. Light shoes perhaps of the sandal type will let the feet breathe. Make sure that the bag you carry to the office or the club is suitably light. Keep enough copies of the underclothing to facilitate a daily change. Perfumes and roll-ons also need be those airy types that speak the language of the winds and the sails. Fly through the weeks and months one day at a time like you never did before, with all the light colors of the rainbow on board. Never make it a dull day.

Pain and Pleasure – The Inspiration For Weight Loss Success

We sometimes feel frustrated because we do not do anything about our weight issues. We become lazy and uninspired to do anything about it. What is that that gets some people moving towards their weight loss goals. We see these people moving and nothing stops them from achieving their goals. Their focus is laser like. Their focus is guiding them to their destination with resolve.

How can you have this type of focus? How can you be inspired to do something about your weight issues?

Pain and pleasure
The key is hidden in your tolerance to pain and what you experience as pleasure. When it comes to weight loss, many people do not act until there is so much pain that it forces them to act. For example, when your doctor tells you that you must lose weight or else you could die what would you do? How motivated is that for you to change? It all depends on what you experience as pain and pleasure.

For some, the pain of innocent death is so painful that the pain and sacrifice of exercise is worth it to stay alive. These people will put off pleasure to experience pain. They will experience pain first and pleasure afterwards.

The wrong order is to experience pleasure first and then pain. This order will keep you overweight and frustrated. Let's see examples as to how this works.

Pain and then pleasure
You might be in a situation where everyone around you is eating unhealthy foods and you want to stay committed to your weight loss goals by avoiding unhealthy foods. The pain of passing up great tasting food is powerful but you do not give in. Not to mention the pressure you'll receive by the offers of food. You'll experience pleasure afterwards knowing that you did not sabotage. You keep your integrity and your self-esteem is maintained if not increased. You do not experience feelings of guilt. Another word for this type of behavior is called delayed gratification. Where you purposefully delay gratifying things that will sabotage you to experience pleasure later.

Pleasure and then pain
Let's take the same scenario and say you wanted to experience pleasure first by eating unhealthy foods. The pleasure in enjoying the taste of the unhealthy food is powerful. So powerful that you do not delay the gratification. As time goes by you feel the guilty of eating unhealthy foods. You feel fat, sluggish and slow. You wonder then why you do not have discipline to say no. This is the experience of feeling the pain afterwards.

The point here is to experience the pain first and then feel the pleasure. Delay gratification is due process. It's essential to apply the technique of pain and pleasure. Practice delaying gratification so that you do not sabotage. That's what it's all about. You must practice this technique to be successful when it comes to weight loss. It's your choice. What are you going to choose?

Josue