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.

What Is Alternative, Compartmental, Unconventional, Traditional Medicine?

The third millennium begins with a new scenario in the Health sector. In our country, non-conventional medicine is now part of services that local hospitals give.

Professional associations are preparing a series of evaluation criteria for medical experts in natural medicine.

University has begun to turn its attention to this phenomenon, to understand, analyze it and drive it.

The use of unconventional medicine is specifically used for treatment of chronic and degenerative diseases and cancer patients are a significant part of those who come precisely to these treatments.

I hope, with this article, fruit of long research in these fields, first to help the patient and his family understand more clearly, to choose and encourage reflection and communication between doctor and patient, when the latter decides to undergo an integrated treatment. It can also be useful to fully exploit the benefits of complementary medicine, and the time avoid the same risks especially those still without scientific validation.

This information is useful also to your relative or anyone you know, that is facing the disease. Sharing good and positive information is always powerful. Other people may say that knowledge is power, so encourage yourself and those around you. A kind and positive word supported also by the scientific community can always help and give hope.

What is alternative medicine? Complementary? Unconventional? Traditional?

For clarity purposes I will do my best to give the simplest explanations:

Alternative medicine : is a term used mainly in the past, and to show how certain practices based on principles different from those of scientific medicine.

complementary medicine : The term basically means therapies associated with other measures deemed important, such as chemotherapy or surgery. It makes sense to use it such as oncology, where, such as herbals or 'acupuncture may rationally combine chemotherapy, radiation, etc …

unconventional medicine : A term used primarily in politics health care to define all those disciplines that are still waiting for a definitive legal regulation. In this category of Orders doctors include acupuncture, homeopathy, herbal medicine, the 'anthrophosphy,' Ayurveda, the 'homotoxicology, traditional Chinese medicine,' osteopathy and chiropractic.

Traditional medicine : This terminology used instead by the World Health Organization to define the set of knowledge and practices based on popular beliefs and experiences relating to different cultures, regardless of the explanatory scientific.

natural medicine : is a popular term used that reflects the public and in particular patients with various disciplines of medicine

integrated medicine : This term indicates what should be the goal of every doctor: different forms and tools therapy integrated to improve the patient's quality of life as well as prognosis.

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.

Local SEO Industry: Current Status and Future Projections

What Is SEO?
This is a common question that most people especially those who are either new or not familiar with online marketing might be asking. SEO stands for search engine optimization. In layman's language, it the process of capturing traffic from the search engines such as Google listings. Through this read, I am going to give you facts about the SEO business, current market status of SEO as well as the future projections in this field.

The Major SEO Players
Like any other industry in the world, the online SEO business has its players. This includes SEO local tools providers such as small digital agencies, SEO free lancers and web-designers among others.

Returns for SEO Players
The major reason as to why people get into business is to profit and expand their economic status. In the field of SEO business, the rates of returns are promising. This is because a recent research on SEO returns for a period of 12 months shows that at least all the players had something to take home. However, the returns are varying depending on a players' hardwork and skills in the field. For example, according to this research, 34% of the interviewed SEOs said they received an amount less than $ 30,000 while another group of respondents, 17% said they received returns that were above $ 500,000.

From the above statistics, it is evident that the size of an organization played a role in the determination of the amount of returns received. It beats logic for one to expect a large organization to receive low amounts of returns and vice versa. In addition, the presence of part time SEOs as well as the entry of newbies into the market could have let the low rates of turnover due to low operation capacity. However, it is hard to predict the course the SEO market is likely to take due to lack of clear shift in SEO earnings since the year 2011. However, the demand for local SEO services seems to be growing day in day out and this is appealing more players theseby tightening the competition among SEO service providers.

The Emerging Issues with the Current SEO Returns
With the above distribution of returns, several questions emerge. This includes the following:

• From the statistics, a large percentage of SEOs receive a low income something that suggests low pricing of SEO services.
• It is also possible that small and medium businesses do not understand the value of SEO services provided to them.
• The low SEO income earners, those who received less than $ 30,000 annual returns are also being doubted if they can provide quality services while earning that low.
• It is also unknown if most SEOs will still be in operation if their income remains static.

The Current SEOs Income Per Customer
Just like the annual SEO returns, SEO income per customer also varies. This is because there are those clients who would pay less than $ 100 a month while others will pay more than $ 5000 a month. This variation in income per client can be attributed to the type of services provided as well as the depth of services. The size of business a client is seeking SEO services for also play a role in determining the amount to be charged. For example, small businesses are charged less simply because their requirements are much smaller as compared to large multi-location franchise businesses.

Research also shows that some SEO service providers operate on high volume basis. Such SEOs provide simple SEO services at very low monthly rates. As a result, such SEO service providers end up having a high customer churn with a large dedicated network of sales team.

Similarly, some SEO service providers provide services that are more comprehensive in a much more professional manner customized according to the client theby leading to a low number of clients.

Due to the above statistics, it there becomes essential for any SEO service provider in the current market to operate in a manner that matches his / her setup.

Handling Capacity of the Modern SEOs
Currently, SEOs are handling more clients as compared to the previous years. Statistics show that about 40% of the SEOs in the market handle at least 11 clients while 23% SEOs handle at least 21 clients. Such large numbers of clients to handle lead to more audits to be done, lots of tasks, research, reports and even more calls from the clients to be attended to. The high numbers of clients also demand a high level of efficiency so that the clients can be assured of quality services.

Market Structure for Most SEOs
SEOs have been using several marketing techniques to promote their businesses. Offline marketing channels such as word of mouth has been cited by most SEOs as the most effective marketing technique. This can be attributed to the trust level, business reputation as well as relationships build during the offline campaigns.

Alongside offline marketing, SEOs also practice online marketing such as the use of LinkedIn and social media. However, most SEOs have cited LinkedIn as the best option as compared to the social networks because it is better placed for lead generation and networking.

Services Offered by SEOs
Majority of the SEO players offer onsite optimization with 91% of the SEOs practicing this. Google+ optimization has also a good number of SEOs practicing it as 86% claimed to be offering this service to their clients. For affiliate marketing, only a small percentage (11%) of SEOs are offering this service to their clients.

Other services offered by SEOs:

• Content creation / optimization
• Link building
• Citation building
• Social media marketing
• Website development
• PPC
• Mobile site development
• Video marketing and mobile marketing.

The most demanded service by SEO clients is onsite marketing, while the least demanded service is affiliate marketing. The other services are somehow averagely demanded. However, most small and medium businesses do not understand the opportunities that video and mobile marketing can unlock to them and therefore tend not to use these services. SEOs therefore need to educate their clients on these marketing channels so that they can go for them.

When asked about the online SEO services SEOs feel effective, 82% of them said that the General search is the most effective for generating leads. Local search appears to be the second best after 62% of the respondents in an SEO survey voted in its favor. PPC is the 3rd with 53% while social media is the 4th with 26%. Daily deals appear to be an appealing to most SEOs because only 1% voted in favor of it.

Tedious SEO Tasks
55% of the current SEOs in the market find link building to be the most tedious and time-consuming work. Others, although 15% only believe that content writing is the most tedious and time consuming task among all the tasks they do. It therefore emerges that to the 55% who find link building tedious, this task is also boring to them.

Future Projections
This is an outline of what we expect in the near future as far as SEO business is of concern.

Expansion of SEO Businesses
Compared to the previous years, SEO businesses has been growing and expanding steadily. Most SEOs (about 93%) are not only optimistic about expanding their businesses, but are also expecting to grow their business. In what seems to be a determined move to grow their businesses, most SEOs (82%) are willing to recruit more staff members so as to realize their desired levels of growth.

The social media is also expected to grow and be more effective even than the local directories. This is because most SEOs believe that social media can perform better because of recommendations from friends. Mobile usage is also expected to grow further and become relevant for local businesses.

Upsurge of Confidence in SEO Business
Unlike other businesses, the SEO business is showing a positive growth of confidence among the players. Despite this being a dynamic and innovative industry, most SEOs are still willing to recruit more staff to help drive their businesses ahead. 84% of the sampled SEOs in the SEO research are also optimistic that the SEO business is going to be more profitable starting this year 2013.

Confidence is also running high that if the SEO players increase the understanding of SEO / social among the business owners they serve in future, they will not only increase the business owners' rate of investment, but also make them transfer their marketing budgets from other channels to the digital channels.