Prepaid Debit Cards

*a guest post

Concerns over carrying cash or not having a bank account seriously harm many people from engaging in commerce. Whether it is teenagers who cannot legally open a bank account or families struggling, a prepaid debit card can help many people pay for goods and services using typical merchant service systems.

One of the leading prepaid debit cards on the market today is the KAIKU Visa Prepaid Card. Using the Visa merchant service, KAIKU will allow consumers to purchase goods with a card and pay for bills or products online. Like other prepaid cards, consumers will load existing money they have onto the cards. Instead of holding large amounts of cash on them, consumers will be able to consistently load their cash onto their Visa card. The money can come from checks, a PayPal account, direct deposit, a bank account, or physical cash. The money on the card is protected by Visa’s Zero Liability Policy and the money is protected under FDIC regulations. Identity and personal information are also protected from KAIKU’s compliance with the PCI-DSS.

Many consumers, however, may be hesitant to invest in a prepaid debit card. The biggest concern many people concern debit cards fees. Prepaid debit cards will often have upfront fees to purchase the cards and then monthly fees if the consumer consistently loads money into the card. KAIKU, however, does not have a service fee, card activation fee, or a bill payment fee. ATM transactions and inquiries are free, while a domestic fee costs $1.45. The monthly maintenance fee for a KAIKU card is also only $1.95 a month and a replacement card will just cost $3.95.

KAIKU prepaid debit cards have competitive fees so consumers are not bogged down in fees. Consumers will be able to engage in different levels of commerce thanks to debit cards like KAIKU

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Buy Your Shoes Out of Season

*a guest post

Shoes are a staple of every wardrobe. If your shoes don’t match your outfit, you don’t have an outfit; you have a mess. This means that the style-conscious need to have either a very large collection or a very well-rounded collection. The latter is friendlier on the wallet and generally a better idea. What can’t be avoided, however, is having shoes by season. Season is the biggest determining factor in what shoes you wear. Summer shoes and winter shoes just won’t be the same, and spring and autumn shoes can be fairly different as well. Buying shoes seasonally is a good idea, but it may not come intuitively.

The first rule of buying shoes seasonally is to never, ever buy in-season. This might seem counter-productive, but it’s true. Winter shoes cost more when you buy them in winter when the demand is higher. However, they’re hardest to find in the summer. Generally, you want to buy your shoes three seasons in advance; look for winter shoes in spring, look for summer shoes in autumn, and so on. This allows you to browse before the stock is cleared but after the prices drop. This gives you the best angle on getting seasonal shoes in stores.

This applies even online, and shopping online is the next tip. The previous tip is great for those that like to shop in person, but the downside is that it generally means reduced selection. Stocks won’t have been cleared, but many of the contents of the appropriate section will be depleted. Looking online and finding womens’ uggs at SneakerKing.com or strappy sandals elsewhere will generally get you access to a lot more uggs and sandals respectively than you’d find in a store shopping post-season.

Finally, always buy what matches what you keep longest. If you tend to keep clothes longer than shoes, buy shoes to match clothes. If you tend to keep your shoes longer than your clothes, buy your clothes to match. You have to match clothes and shoes. There’s no way around this. Thus, it’s a good idea to buy one or the other as efficiently as possible to save money.

Buying shoes by the season might seem like a lot of trouble, but it’s a great way to save money and stay stylish. Once you know how, it’s easy, and you never forget how and where to do it. Just keep these tips in mind and you’ll find your shopping gets a lot easier and a lot more affordable.

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