Credit Cards with Training Wheels for Teenagers

When I was in high school my parents gave me a credit card. They added me as an additional card holder on their American Express account and I thought I was the luckiest girl in the world. Looking back, I can't believe my mother and father were so trusting. While I never abused my spending power, I easily could have and they would have been stuck paying off the balance. If they didn't, they would have put their own credit scores at risk.Today, parents don't have to take on that risk. If they want their teenagers to carry a credit card instead of cash, Mom and Dad have options that can protect their credit scores no matter what their children do. I recently came across two products from American Express that families may want to consider. The one caveat: they don't come cheap. An Additional Card with "Custom Limits"Offering to add a child to your credit card account isn't new and you can do it with just about anything you may already be carrying in your wallet. American Express, however, added a twist that sounds very appealing.American Express' Custom Limits feature allows parents to add a spending limit just to the child's credit card. This means you can continue to use your AmEx card the way you always have, but your 16-year-old would be limited to, say, $200 before the card gets declined. Trending News Google Cloud Outage Missing Connecticut Mom Virginia Beach Shooting Protester Interrupts Harris Parents can also increase or decrease the card's limit at any time. So if your little fashionista needs some extra cash for a back-to-school wardrobe, you can increase the amount she can spend for just that one shopping trip.Another safety feature I like is that the additional card has a separate account number. This is useful if your teenager is a bit careless and leaves her AmEx at the mall. Rather than cancel the entire account, you only have to report that one credit card is missing. Then, while little miss forgetful waits for a replacement in the mail, you can continue to safely charge away.The cost: Outside of the regular American Express membership fee, you'll also get hit with an annual cost for ordering additional cards. AmEx charges Green cardholders $30, Gold cardholders $45 and Platinum cardholders $175. The upside is that you won't pay extra to add a few siblings.The PASS CardThe second option is a Pass prepaid card that Mom and Dad can preload on either a set schedule -- think allowance -- or when the money runs out. A nice feature here is that if your teenager has a knack for spending beyond his limit, his card will get denied but he won't get charged an overdraft fee. And if your teenager loses the card, you can get any remaining value back.The cost: The Pass card has a monthly membership fee of $3.95, which is waived until October 1st. There is also an ATM fee associated with this product -- $1.50 per withdrawal -- so don't confuse it with a debit card. The good news is that you won't get charged for activating or reloading the card with more money.Are there other cards out there that are cheaper? I did come across some prepaid cards that didn't have monthly usage fees. You can find them at Bankrate.com or Cardhub.com. And as I mentioned earlier, you can always add your child as an additional card holder on just about any bank's credit card. Fees and perks, of course, will vary.Whether you think your high schooler should have a credit card is a very personal decision. Your answer will likely be determined by your own spending philosophy and your child's maturity. Would you consider giving your teenager a credit card?Stacey Bradford is the author of The Wall Street Journal. Financial Guidebook for New Parents.Too Much Credit courtesy Flickr user Andres Rueda, CC 2.0More on MoneyWatch:Why You Should Give Your Teenager More CashA Credit Card scam to AvoidThe Perfect Car for a TeenagerThe Gap Year: A Perfect Solution for Burned Out High School Kids

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Tips to Help You Design the Perfect Solar Battery for That Party
Various size of solar batteryThe first model of solar battery was built in 1976 and they are still popular today. There are two types of solar battery: solid-state and capacitive. They are used in combination with other energy storage devices such as solar cells. In general, they are useful for many different purposes. A good solar battery is made from plastic and it can run for many hours without stopping to take off the lid of the device. When you put a solar battery in your home, it will provide enough light to let you have a better view of the world.The problem with solar energy is that it is difficult to know what kind of power source to use. When you have to run an electric vehicle, it is very hard to know what kind of energy source to use. Most people don't have any idea about how to use solar energy. The main way to use solar energy is to charge your phone or electricity bank and make a long call to your local utility company. You can find out more about solar energy by reading this blog article.There are different types of solar battery, but what is the best way to use solar battery? What is the best way to use solar battery? Do you know which type of solar battery to buy? I would love to hear your thoughts. Let me know your thoughts in the comments section below. I would love to hear your thoughts on these questions and what are the best ways to use solar battery?I don't know if there are any number of different types of solar battery, but it is hard to say. Most solar battery come in the form of lithium ion batteries, which are very expensive and have low storage capacity. If you want to buy solar battery then there are many other options available. They include: 3V Li-ion batteries, lithium ion batteries, and 2V Li-ion batteries. There are also some more popular 3V Li-ion batteries that can be bought online.What are the pros and cons of different solar batteryPeople have different opinions on how to use solar energy. Solar energy is renewable energy that uses electricity from fossil fuels. There are many different types of solar energy systems, some of which use batteries as backup power sources. The main way to use solar energy is to store it in a storage system and then use it to produce electricity. A good solar energy system will work in most cases, but there are some disadvantages to using solar energy systems.In general, there are two main types of solar battery. One is that it's much more efficient than a conventional battery and it uses less energy than a traditional battery. The other is that it's very expensive. You can buy solar battery directly from the store and charge it in a tank or in a mobile phone. It is quite easy to make and make use of batteries, but you need to learn how to use them properly. So, here's the guide on how to use solar battery.I am so used to looking at solar lights in the background, but my biggest concern is how do I get them to work properly? There are some really good options out there. If you have an electric car you will be able to see a few hundred meters away from you when you turn it on. Solar lights can also help you save energy and use less electricity. A good solar light will last up to 6 hours, but they can also cause problems with night driving.All solar batteries are energy efficient and you need to choose the right one for your needs. The best solar battery is that they have an efficiency of over 200% and have low noise. All solar batteries have good durability and cost, so you can choose the best solar battery for your needs. It is easy to clean and doesn't require any maintenance. All solar batteries have an eco-friendly design and can be charged in a matter of minutes. All solar batteries have high safety and quality.How to decide the right size of solar batteryThis guide will help you determine the right size of solar battery. This guide will help you make sure that you have the right type of solar battery and what kind of solar battery you need. Also, it will help you choose the right type of solar battery and how much it will cost. You can check out the current market trends and compare with other factors like model, price, capacity, output, and installation. If you are planning to buy solar battery then make sure that you have the right type of solar battery.As we are all aware, there are many different types of solar batteries and some of them can be found in different sizes. For example, you can find solar energy storage devices in your home, or you can use solar energy storage devices to store electricity. You can use solar energy storage devices to charge your phone, connect to your internet or connect to a utility pole. If you need to get a new battery or get a new battery for your car, you can always buy solar energy storage devices from Solar Battery Company.I would say that I don't know how to decide the right size of solar battery. You can use your own judgement and you will be well on your way to making sure that you get the best possible light and heat efficiency for your home. You will need to make sure that you have enough batteries for your home so that you can run them in the most efficient way possible. Also, make sure that you get a good warranty on your solar battery so that you can keep it running for as long as possible.The average price of solar battery in India is around Rs. 4,000. The most important thing to do is get the best price for solar battery in India. 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