Prepaid cards

Prepaid cards have a good alternative to using cash, checks, or credit cards. And not only it can be used to shop but to pay employees and government benefits such as social security or desmpleo subsidies. Usually people use them because they lack a bank account and see it as an easy and convenient way to manage your finances. In addition to thus avoid high charges for cashing the checks.

And while it is true that these cards are not free of charge, they are relatively low when compared to those usually charged by banks.

Unlike traditional debit cards, prepaid cards are not associated with a bank account, because only have to load or fill up the card with cash amounts for your purchases, and as you spent and the balance decreases can irla recharging.

This card is a good tool to control your expenses and stick to your budget as it is impossible to go over the limit and credit cards or sobregirarte as those of débito.y and avoid the penalties imposed by banks.

These cards are offered by banks, unions, financial institutions, and some commercial establishments. There is wide acceptance as a means of payment, as the vast majority are issued under the MasterCard or Visa logo, which means it can be used wherever you see these logos. American Express also offers this product.

You can also apply online by visiting the websites of Visa, MasterCard, or American Express.

• To get this card you do not need to have established credit nor a bank account.

• If your card is lost or stolen, you can recover the money.

• Some issuers offer the same benefits that a credit card customer service 24 hours, purchase protection, roadside assistance or travel.

• You can check and control the balance and transactions go by, because information is easily accessible through the internet.

• There issuers that charge very high fees for using the card, so it is important to compare between different issuers.

• Payments are not reported to the credit bureaus so it does not help to establish or improve credit.

• Gift: cards known as “gift cards” are prepaid cards that are made as a gift instead of giving cash or items. This allows the person receiving the card to buy whatever you want and wherever.

• Stipend: If you have teens, this is a very convenient way of providing their allowance and can add money very easily. This also helps them to take responsibility in matters of money and organize their budgets.

• Travel: If you do not want to carry a lot of cash on your travels, you can take a prepaid card as a convenience.

• Role of payments is a service similar to direct deposit, but instead of crediting the money in a bank account, the money is credited to the card, it will be available on the day of payment. This way you do not have to worry about being cashing checks and if you need cash, you can easily get from an ATM or ATM.

• Government benefits: Checks of benefits granted by the government are a thing of the past, since different government agencies have chosen to use the services of prepaid cards to pay benefits to the public.

• Medical expenses: You can associate a prepaid card to any of your health accounts, and thus pay for eligible medical expenses.

As you can see, the prepaid card is an alternative payment that makes managing your money, but does not replace the benefits of a bank account and credit card rather complement it, because the latter help you get established credit so you can later buy a house, a car, or finance your business.

How to prepare a homemade diaper cream

Babies have very sensitive skin so it is best to make ourselves diapering cream for our children.

Usually, creams diaper change always carry some not very healthy component also not always used for all skin types as atopic or, for example, very sensitive.

This recipe serves to develop a very soft for changing daily diaper cream, but can also be used as ointment for the body if desired.

2 tablespoons tablespoons of rosewater.

6 soup spoonfuls of almond oil.

8 gr. Grated bee wax.

Optional, chamomile and calendula flowers.

I suggest that you use ingredients of organic origin, are healthier for our baby and for the environment.

The night before preparing the cream, or several days before, we take the chamomile and calendula flowers in a glass jar next to rosewater. We leave it to marinate a day. A tip, add a tablespoon of hidrolato because I filter it out later less of what we need.

Before drawing up the cream, we filter with a thin cotton or similar fabric thus obtaining the mixture steep liquor roses.

We put water bath almond oil with grated bee wax, anger slowly melting, with a wooden spoon we will be stirring well.

Once melted and is well mixed, remove from heat and let temper.

Before you leave solidifying the mixture must add the rosewater, the two substances must have a similar temperature. We will incorporate the hidrolato slowly, as if elaborásemos mayonnaise, we go beating with a mixer or whisk to be amalgamated better.

Finally we toss the mixture into a glass jar and let cool. We closed and ready.

Cream will keep in a dry, dark place or if it’s hot in the refrigerator to hold longer without spoiling.

We must think that using 100% natural ingredients and no artificial preservatives, creams do not last long so we should not make much amount. It is best to manufacturing according to our needs for each week or month.

No need to marinate the hidrolato of roses, but it is a good way to acquire part of the soothing and regenerative properties that have chamomile and calendula respectively.

Something you can do to improve this recipe is to use oil macerated almonds at home, it is done in the same way as rosewater, but we must leave at least 3 weeks macerating so you can well absorb the active ingredients of the flowers.

If you wish you can add a few drops of vitamin E or a little wheat germ oil, this will make us the cream is richer in properties and also serve as a natural preservative.

We apply this cream on diaper change our baby on the previously clean and dry ass.

This recipe was written by Virginia Ceballos, director and editor of the web She divides her time between her naturopathic consultation – acupuncture and natural tricks. His true calling is to introduce natural medicine to all people who wish a simple and practical way.

Meatless Monday

Meat consumption in current quantities is harmful to both our health and the environment. In developed countries it consumes up to four times the amount of meat recommended by nutritionists and the worst is that many people have no idea they are eating excessive amounts. On the contrary, they believe that what they eat is normal. This results in high rates of cancer, diabetes, obesity and heart disease. To combat the negative effects of so much meat on human health and the planet, there has been a worldwide movement to reduce meat consumption to a healthier and more sustainable level.

Meatless Monday (Meatless Monday) is a movement dedicated to improving human health and the planet at the same time, through the simple act of eating meat one day less each week. The production and consumption of meat are linked to several undesirable consequences from obesity to climate change.

The Meatless Monday idea originated during World War II when the US government asked citizens to stop eating meat on Mondays and Wednesdays wheat as support for the armed forces. The government campaign was very successful and was repeated in World War II.

In 2003 the American publicist Sid Lerner resumed movement as a public health campaign. With the active participation of the Center for a Livable Future at Johns Hopkins University, the new program Meatless Monday has become a global movement with a focus on preventable diseases linked to excess consumption of meat.

The day Monday as the start of the week, is the perfect day to stop bad habits and replace them with healthy actions. So every week it becomes a new opportunity to improve in all aspects. In the last decade, the new Meatless Monday campaign has expanded globally with the support of many hospitals, educational institutions, restaurants and private businesses. Other groups have applied the concept of Meatless Monday campaigns for their own nutrition, exercise, cessation of smoking and more.

21 things that every entrepreneur can do for Halloween

As every year, in late October Halloween arrives. I imagine that as an entrepreneur you’re wondering what to do to date and evaluating ideas to publicize your business and products. But above all increase your profits during the time of Halloween.

I assure you that if you implement creativity and you organize to celebrate the occasion will attract more customers and also your employees will feel better.

October prior to 31 weeks are an opportunity to publicize your business, candy and costumes give your employees, offer coupons decorated with motifs of Halloween and show what you have to offer the world. And much more…

Find below a practical list with Halloween ideas for your business.

After be clear what you do for Halloween with your business, make sure your clients and associates know your plans for Halloween.

It is important to also communicate offers and discounts offered during the celebration.

To this can

If you have any other ideas to share with me related to Halloween and / or some other topic you want to share write me at Facebook and Twitter.

See you soon!


Eight TED talks [motivational] for business

The TED (TED talks or English) talks, lectures are conducted by a nonprofit organization dedicated to “ideas that deserve to be disseminated.” It began in 1984 as a conference bringing together people from three different areas: Technology, Entertainment and Design. TED has grown to support those who through their ideas trying to change the world through various initiatives. Since then these conferences are given by influential figures of society covering all kinds of topics, from business, politics, to technology.

Check these eight pep talks with approach to business, with translation into Spanish.

It is bored at school, does poorly in classes, is at odds with peers: This child might be an entrepreneur, says Cameron Herold. In TEDxEdmonton he says that parenting and education that helps, would flourish entrepreneurship, both children and adults.

There are many more videos about business and entrepreneurship. You can see the complete list;. More »

18 phrases that will draw the leader in you

A true leader is handled in accordance with certain behaviors that are a matter of choice and learning. The following quotes will help you get the leader in you and give the example to follow.

1. “Innovation is what distinguishes the leader of the followers”.

2. “My job is not to be nice to people. My job is to take these great people and push them to be even better. ” (Steve Jobs).

3. “Outstanding leaders go out of their way to boost the self-esteem of their personnel. If people believe in themselves, it’s amazing what they can accomplish.” (Sam Walton).

4. “No one can make you feel less without your consent.”

5. “To handle, you need to use your head, to handle others, your heart is needed”. (Eleanor Roosevelt)

6. “Management is doing things right, leadership is doing things”. (Peter Drucker)

7. “Leadership is the ability to transform vision into reality”.

8. “Today, the key to successful leadership is influence, not authority.” (Ken Blanchard).

9. “Thou shalt not be a great leader if you want to do everything yourself or just get credit for it.” (Andrew Carnegie).

10. “Done is better than perfect.” (Sheryl Sandberg).

11. “The facts have greater impact than what is said.” (Steven Covey).

12. “The challenge of leadership is to be strong, but not rude, be kind, but not weak, be bold, but not bully, be thoughtful, but not lazy; be humble, but not timid, proud, but not arrogant; have humor, but without folly. ” (Jim Rohn).

13. “Forget the fast track. If you really want to fly, just harness the power of your passion. ” (Oprah Winfrey).

14. “Listen to the people they attend to your business.” (John Maxwell).

15. “As a leader, I’m hard on myself and my standards are very high. However, I am very affectionate, because I want people to succeed in what you are doing, so that someday they can aspire to be in the future. ” (Indra Nooyi).

16. “Leadership is the tie to give people a platform to implement ideas that work.” (Seth Godin).

17. “The best way to predict the future is to invent it”. (Alan Kay).

18. “If your actions inspire others to dream more, learn more, do more and be better, you are a leader.” (Jack Welch).

In another article I have you appointed the twelve qualities that a leader who seems good to remember again

Do you know other phrases of leadership? Which are?

I hope you have served the selection of phrases picked out especially for you. If you have any quote to share with me about leadership and / or some other topic you can write to Facebook and Twitter.

We also recommend reading “Five practices for leadership”.

See you soon!


7 calendar herbicides and non-toxic

Before the invention of chemical pesticides, all people knew several ways to kill weeds efficiently and without polluting the water and soil. With urbanization and the advent of industrial agriculture, herbicides were first used on a large scale. Unfortunately, this causes water pollution, which is one of the most important and most scarce resources today. To protect the quality of this vital liquid is essential to stop using chemicals and replace them with non-toxic alternatives. So before resorting to chemical herbicides, try these natural methods and non-toxic to kill weeds in your garden.

This was my grandmother’s favorite method. It’s easy, it does not cause permanent damage and is very effective. Just boil water and check the roots of the plant that you want to kill. It can also work to kill trees, but takes longer and requires more water.

Use a spray bottle to cover the leaves of the unwanted grass with vinegar. The vinegar kills the leaves but not the roots, so it may take a little longer to kill weeds, or you can use a combination of vinegar and hot water leaves the roots. Learn more uses for vinegar to prevent disease and cleaning.

Alcohol removes moisture from the ground, causing his death. It is applied in the same way that vinegar: Fill a spray bottle with ethyl alcohol and apply it to the leaves and stems of weeds. Caution: Alcohol can be toxic to pets, so if you have dogs or cats must keep them out of the garden as alcohol dries.

The starch contained in corn prevents seed development. Cornmeal dispersed over the entire area where you want to kill weeds. Once the unwanted plants die, water well and now you can prepare the land for planting what you want.

medicinal herbs like camphor and wormwood, strong aroma bulbs such as garlic and fennel, flowers like marigold and lavender, and even some vegetables such as tomatoes inhibit the growth of weeds and pests at the same time repelling.

You can use recycled materials like paper, newspaper, cardboard or cloth to prevent light from reaching land, killing plants that do not want there and preventing grow more herbs. It covers the ground with newspaper, cardboard or cloth. If you use a dark color, it will cause heating of the soil, which can also help prevent weed growth.

Sometimes weeds occur due to an imbalance or poor management of the garden. If this is the case, the problem will return if you do not correct the underlying cause. Learn how to avoid common mistakes in this article.

Recycled crafts step by step: Ghost

This ghost made from recycled materials is a fun to decorate the house in the Halloween season project. Enjoy!

Collect 5 tapas of recycled plastic bottles. Make two holes centered on each cap threads. The holes can be made with a sharp tool or a hot spot.

Passing a thread for each screw caps. The thread must enter through a hole and out the other to make a knot and hold the lid threads on one end.

Each thread thread lid must be no less than a sheet of paper esquinado long.

Take an empty package of pills and cut out two empty containers. It has all the silver foil containers and placed a small stone in each container.

Glue the two containers together on a piece of paper, taking care that the stones can not leave.

Trim the excess paper container of pills. You have the eyes of your ghost.

Une three wooden sticks: two shorter sticks are on the extemal the longest stick together so that it is in an “H”. Use glue and thread to tie the sticks.

Moors top of the wires to the corresponding ends of the sticks so the ghost can be hung: board 4 screw caps corners with the 4 ends of the shorter sticks, taking care that you will not get tangled, and moors center cap threads in the center of the longest stick. Adjust the length of the wires to shape your ghost: the 4 outer strands should be longer than the thread center.

Glue the eyes to the threads cover the center, trying to stay in the same direction as the bigger stick. Under the eyes painted mouth ghost with a marker or some paint.

Decorate your home for Halloween: several ghosts hanging around your house. It is also fun to play with ghosts like puppets, children love it.

What is an ecosystem

An ecosystem is a community of plants, animals and other living organisms that share their environment (not live) abiotic elements such as climate and soil. The biotic (living) and abiotic (non-living) interact together to form a complete unit, with some ability to self-regulation and self-sufficiency.

For ecologists, an ecosystem is the set of two components: the biotope and biocenosis. The biotope refers to all physical elements: the ground, humidity, altitude, minerals in the soil, etc., which normally call habitat. The biocenosis is the biological community, the set of all living beings inhabiting the same ecosystem.

An ecosystem can be big or small. Examples of large ecosystems (biomes) are the Amazon in South America, the Yellowstone Park in the United States and Great Barrier Reef in Australia.

The sun is the main source of energy in almost all ecosystems in the world. Plants, algae and other autotrophs convert light energy into chemical energy through photosynthesis, storing this energy in their tissues and thus providing support for other organisms in the food chain.

Ecosystems are like countries: each has its own characteristics that are different from those of the neighboring region, however its boundaries are permeable and none is truly independent. Today there are few or no ecosystems that have not been altered by man in some way, and too many of these are threatened. Ultimately this affects us all, as humans also are part of large-scale ecosystems.

The “5 P’s” of marketing

The marketing strategy is a combination of tools that allow you to market you want. To design marketing strategy, you have five basic instruments that must combine properly in order to achieve the objectives. These tools are summarized in the “5 P”. Marketing identifies these areas of work or development you should consider for your business to be successful.

It is the physical good, service or idea that is offered to the market. The product concept is somewhat broader than an object in itself, because it can enter the container, cover, presentation, ancillary services such as post-sale or transfer, guarantees, etc .. Among its functions in marketing is it so

It is the cost to the public or selling price. It is the exchange value of the product as determined by the utility or satisfaction derived from the purchase and use or consumption of the product. It is one of the key factors for selling a product, but not the only and not the determining factor in most cases. Often the price is calculated as the cost of production plus a percentage, however, usually the price is decided by the market. characteristics

It is advertising to do to sell the product, ie, ways to inform and convince of the benefits of our product or service. With the promotion seeks to create customer reasons to purchase a product that is being marketed. Wanted

It is where you sell the product. This can play an important role in the success of our business. A street with heavy traffic of people is a better showcase than a hidden passage, so it is advisable, before opening a business, do a market study of the area. We use the square to get a product reaches the customer. Four elements make up the distribution policy

They are the activities undertaken after the sale and whose immediate goal is to ensure complete customer satisfaction and a possible buyback. It means to track buyers, know their habits, tastes, expectations, etc.