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Choosing a Visa card design

Banks and other financial service companies differentiate their services in many ways. Some ways, like what fees they may charge for their services, may be restricted by state or federal laws. Other options, like the design on a prepaid debit card, is limited only by the imagination.

Consumers who like to have a bit of style and flair in their card design often have a choice. They can go with the traditional color and design schemes, or they can say goodbye to the dull standard versions and go with something that can project personality and style to their shopping experience.

Black is the new black
Black is a color that is often used by credit card companies to market cards to high income customers in order to give off an air of exclusivity and sophistication. Choosing this color may make a prepaid card almost indistinguishable from all the sleek, shiny plastic of high rollers. Some brands, like the Kaiku Visa prepaid card, go all-out minimalist for sophistication and class.

Patterns and colors
Rather than going with a monochrome look, some banks offer colors and styles inspired by the psychedelic 1960s, nature, or modern art. These kinds of patterns give consumers a way to showcase their individual personality every time they shop. They can also make great ice breakers for starting a conversation.

Pictures with personality
Some proud parents like to put their child’s picture on their debit card. Others might opt for cuteness with photos of little furry animals, and others still might project a fantasy vacation with a photo of bright and sunny beach. The sky is the limit when it comes to personalized debit cards: As long as you have a picture and a little extra time, you can decorate it any way you wish.

These are just a few ways banks and credit unions might allow customers to decorate a prepaid card. Every design makes its own statement, and if the customer has second thoughts about that statement, they can simply go back to their provider and order up a different look.

Financial planning tips for working aborad this summer

Many students opt to take jobs abroad for the summer holidays, or their gap year after college. It’s a great way to earn money, broaden horizons, have fun and experience a new culture.

At the same time, however, working abroad in a foreign country for the first time, managing a new culture and keeping a reign on your finances can be difficult.

Common problems include failing to budget, failing to accurately translate prices into UK pounds mentally when purchasing items, relying on expensive balance transfers rather than setting up an international bank account and withdrawing regular small sums from a UK account from foreign cash points.

It can be tempting to keep a UK bank or checking account when heading abroad, but your new employer will pay you in the local currency and regular small amount exchanges will attract costly fees. Of course, if your are an insurance agent in Charlotte, an overseas checking account may not be of much use.

Furthermore, carrying out regular transfers from UK pounds to local currency will erode your valuable earnings through fees and commissions.

This is particularly prevalent when using cash points, debit cards at certain outlets, or changing money at exchange bureau with high rates of commission.

So firstly, sort out a local currency account with a local bank in your country of summer employment. You’ll need your passport, residential identification and proof of employment.

Arrange to have your wages paid into this account, get your head around the exchange rate and begin operating and managing your summer in the local currency.

Secondly, make sure you have adequate insurance set up before you go abroad. If you get sick or hurt at work, how will you be covered? Have your paperwork in a safe place, with photocopies and key details backed up elsewhere just in case.

Thirdly, avoid using your mobile phone to call home. Get a local SIM card to your summer home or an international calling card, which will make significant cost savings on your calls. Similarly, look for free WiFi areas, use internet cafes or get local data SIMs before using a UK laptop or mobile abroad for the internet.

Get used to cooking the local food and experiment. Ask for recommendations and find the local supermarket as eating out will rapidly eat into your wages!

Find ways to socialise without spending a fortune. If your objective is to save money beyond your summer stay, this is especially important, as it’s easy to drink away your wages.

Join a football team, or an evening running group. Go on Twitter or Meet Up and find interest groups in the area. Speak to colleagues for ideas, especially if community is a strong theme. Meet new people in the town squares, at Sunday sports events, at house parties and dinners. Just avoid expensive bars every night.

Also, try to learn the local language – until then you will really be a stranger in your host country. At least show willing to picking up a few phrases here and there to dispel the myth that foreigners don’t make the effort.

Finally, enjoy the experience! Get your daily finances in place – and ideally book a return ticket home while funds are high – and then make the most of your summer working holiday. Meet new people, get on a bike and see new sights, experience new tastes, sounds, scents – and come home all the better for the broadening experience.