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Important Lessons to Teach Your Children About Money

Having money is crucial to obtaining the things we need in life, and of course, having extra for the wants is nice too. However, money problems can occur when parents don’t teach money management skills at a young age, usually when the child starts getting an allowance or has a job, such as babysitting or mowing lawns. When credit card offers start arriving in the mail, they are an easy fix when there’s no more money left. Teaching your children about money, as well as credit cards, can be easy, and even a fun experience, but most importantly, a very valuable lesson. Here are a number of ways to teach children about money, so they don’t end up having problems in the future. Introduce them to money

When they are young enough to count, take an active role in teaching them about currency, such as pennies, nickels, dime and quarters, as well as dollar bills. Have them do simple math including adding and subtracting. When they get older, you can introduce new concepts and issues.Teach by example

Teaching your children about money becomes a much easier task when you have learned the lessons you are teaching. Children are smart and they know when a parent is a good example. Your kids won’t listen to a word you say if your money management skills aren’t up to par, so learn all you can about budgeting, saving, investing, reducing expenses and cutting out debt. When you’re armed with knowledge, you’re better able to teach your children. Give them an allowance

Yes, that means give them some money. Even if it’s a few dollars a week, let them take control of their own money and make their own decisions about what they want to do with it. A good example of how much to give them would be a dollar for their age. So, if you have a ten-year-old, give them ten dollars, for either a week or a month, depending on your own budget. If they’re never given any money, they will never learn how to manage it. This way, they can then see first-hand what it’s like to have money. Hopefully, if you have taught them, first by example, and then with the knowledge you have gained, they will think twice on how to spend it, or even if they want to. They may decide to put some away for a rainy day or they may blow it the first chance they get. Whatever choice they make in managing it, will help them be good money managers in adulthood. Teach them one principal at a time

If you bombard them with everything all at once, they will only be confused. We can’t expect them to be awesome money managers overnight. It takes time. Once a month, teach them one principal about money. For example, this month, you can teach them about budgeting their money. The next month could be about having a savings account, and so forth. If you teach line-by-line, precept-by precept, they will absorb more of the lesson. No one wants to be preached to. Give them opportunities to earn money

Whether they go beyond completing their chore charts or do a specific job you need help with, give them extra opportunities to earn money. The more experience they have with money, the better skilled they will become. If they choose to blow it all up front, it will teach them about patience and saving for what they really want. This sets up a great foundation for investing money for the future or putting money away for emergencies. Teach them about credit

Humans are impatient creatures. We want things and we want them now, even if we don’t have the money. Credit cards have become the staple for many families, often leading to out-of-control debt, but when credit is used wisely, it can be very valuable, such as for credit ratings. When you use credit and you pay it off on time, companies are more willing to offer you more credit to buy things such as a home or a car. Having a good credit score rating can open doors for small business or college loans. Teach children that credit is not a gift; it’s a loan. Tell them that credit has to be paid back, often with high interest rates, and that only when they have a plan to pay it back should they get a credit card. Teach them about savings accounts

When children save their money for a rainy day or for special things, they feel a certain stewardship over that particular item or service, because they had to save money and patiently wait until they had it. That would be hard for any adult to achieve, let alone a child, but it can be done. Having a savings account is helpful; after all, if the money is “locked” away, it becomes less of a temptation to spend it! Not only that, but depending on their age, bank institutions have special accounts that give back small interest payments, which can be an incentive for a hesitant child to begin saving. When you give allowances, give it to them in denominations that encourage savings. So, if you give a child $5, give out five $1 bills and encourage that at least $1 go to savings. When they have saved the money, pat them on the back for a job well done. Children love praise and just telling them you are proud of their decision gives them more confidence that lasts into adulthood. Teach them about budgeting their money

Even if they only get a few dollars a week, children can list things they want to do with their money and whether they have the money to get those things. For example, say your child wants to put some money into savings, or buy a toy or a new pair of jeans. Sit down with them and help them a few times to budget, or project how much that particular item will be, and then determine if they have the money, or how much money they need to save in order to get it. Once they know about budgeting their money, it will become easier to manage their money in the future. Have family discussions about money

Check with them about their money management. Talk with them about any concerns you have and encourage them to talk to you. Having a set time to talk about money issues will also help keep everyone on task. Find out how they’re doing and if they are struggling with saving money. For younger children, you could talk about the difference between cash, checks and credit cards. If you have teenagers, talk with them about the effects of the economy, of inflation verses deflation, how to economize at home and alternatives than spending money, such as borrowing an item, making it yourself, or a one-time rental. Sometimes just opening the door for communication will help with any potential problems or issues that may come up, especially if the child begins a new job or looses one. Talk to your kids about upcoming holiday plans or vacations that require a lot of money. Tell them your plan for saving the money and chances are they will want to save their own money as well. Stay out of debt

Easier said than done. Debt is a four-letter word for many families and can cause un-needed stress, but if we have our own savings account, occasional spending fund and emergency fund, we are more able to be financially secure, so that when the dishwasher goes out, we have the money to replace it. Having these extra funds will help children learn about the importance of making good financial decisions and insurance against unexpected expenses. Remember, children learn from example and we, as parents, need to try to be good examples of money management. Don’t bail out your kids

If your children get into financial trouble, the worst thing you can do is bail them out. If they were saving their money for something they needed and they ended up spending it on something different, don’t get it for them. It may be a costly lesson, but if children have consequences resulting from their actions, they will learn, and the next time, they may choose differently. When they are older, teenagers usually need money for car payments, fuel and maintenance. Again, they need to budget their money so they have enough money to pay for those things. If they run out before they are paid again, they may have to walk or ride their bike, or a bus to work. Most likely, they will be more careful with their money next time.

Money is a fun thing to have, as we are all aware, and teaching children at a young age about money will go a long ways to ensuring that their financial future is the best it can be. For more information, contact your local bank institution for brochures to give to your children. They will have account options that will fit best with their age and other tips in spending and saving wisely.

David Jones is the founder and CEO of PAYjr and Chore Charts.com, one of the leading resources for financial education for parents, kids and teens. David has appeared on the Today Show, ABC World News, The Early Show and has been featured in Inc. Magazine, the Wallstreet Journal, and Parenting Magazine.


David is also author of ChoresAndAllowances.com, a blog dedicated to kids and money. David holds an MBA from the Cox School of Business at Southern Methodist University and is the proud father of two young boys.

Blogging Tips: How To Make Money Blogging About Things You’re Passionate About

There are many ways to make money with blogging; and there has been considerable debate over which methods are best. This article will advocate blogging on something that you are passionate about, which does not mean any other methods won’t work.

Some great bloggers will tell you to set up many blogs, as fast as you can. They will tell you to use PLR products and just slap them up and get them out as fast as you possibly can.

This can work too, but if it is not your passion to build blog after blog, you may get totally burnt out, proclaim that it won’t work, and that you couldn’t make money with it.

The great thing about blogging with a passionate purpose is that you know about the subject and love it. Many a wise man has said to find what you love first, and then find a way to make money with it. That in itself is true power.

What a life it would be if you could wake up every morning and do work that you would do anyway, even if you weren’t going to be paid for it. That would be an ideal existence and something to strive for.

A lot of people have put off their dreams and hopes in search of the mighty money. There is a way to do both, and the Internet allows it 100%. You may have a big passion for something that is not a big moneymaker. You will have to think out of the box, but there is always a solution.

One thing you should also think about is the number of passions you have. Most people have a variety of things that they love to do; and at this point, you just need to figure out how you can make a ton of money working with them.

Here are some tips you can do to make it happen.

Blogging Tip # 1: If You Love It, Can You Teach It?

Are there others that want to learn about what you have to offer? You can look at some forums and Yahoo answers to find out if anyone wants to learn about your passion.

Blogging Tip # 2: Start A Blog And Get Feedback From Comments.

You never know where this is going to lead. Set up a blog in your niche, start making some points, and be sure to allow comments.

For example, if you have a blog about keeping horses and you write about their feed, someone may write a comment about natural foods versus chemical foods. This in itself can trigger a brainstorming session for you.

There are a lot of paths you can take with your niche and none of them have been written in stone. Be flexible and determined that you are going to make money.

Blogging Tip # 3: Be Willing To Experience Anything.

Based on what people are saying, you may find that you need to write an e-book, you may need to offer personalized coaching to people, or you may need to set up a membership site where people can get detailed instructions on the niche.

Be flexible and allow yourself to be taken to the next level. Find out exactly what people in your niche want, be willing to provide it, and get ready to make a lot of money.

Blogging Tip # 4: Find Five Other Things You’re Passionate About And Start Five New Blogs.

You may be right that the initial one or two niches are not big money makers. Don’t put all your eggs in one basket, by starting only one blog.

Start up some more blogs about your other passions in life. It won’t take long until one of them takes off and leads you in the direction of fame and fortune.

Blogging Tip # 5: Put Your Mindset Into Overdrive

It is your mindset that is going to make it possible for you to make money by blogging about your passions. Everything else anybody has told you about this does not know the power of working with something you love.

When you have a passion for something it never leaves you, which means you can stay devoted to your blogging for many years.

If you are just looking to make X. amount of dollars in a certain time, than this article may not have interested you. This article was written more for the person that wants to integrate his passion and money.

There is always a way to make a fortune by doing what you love. It is not always the fastest way, but if you keep your eyes and ears open, are willing to service the people in the niche, and truly care about what you are doing, there is no way to fail. Especially if you start making 5 to 10 different blogs in completely different niches.

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Blogging Tips – All You Need To Know About Blog Hosts

Read www.BloggingMix.com for more Blogging Tips to help you improve your blogging!Apart from the chat rooms, instant messengers and electronic mails created for communication and dialogue beyond turf are the emerging innovations that help man build opportunities for interaction. The need for a personalized and human face aspect of building online communities is slowly changing the technological landscape of the Internet.Blogs / “weblogs” or blogging are the newest gift of Internet technology to people all over the world. These are updated posts, crop up entries or personalized life snippets, of mundane or bizarre in nature. For most, a “blog” is a personal, unedited, and authentic journal meant to be shared in an online community. Blog site is a place where bloggers can publish anything; his thoughts, feelings, photos, special events, experiences, comments on issues and so on. It is more of an online diary with videos, links, documents, newsletters and opinions on just about any topics you are interested.Blogs are made to welcome the insights and opinions of all and therefore, should not be written to sound intimidating and too formal. This kind of blog is a sure way to put off the readers. In the basics of blogging, conversational tone would be more appropriate to reach the desired audience.Blogging is all about individuals reaching out to other individuals. Having a blog has its own set of advantages:- Freedom of Expression. If you want people to hear you out and give their own opinion, this is the best way to create a line of communication.- Networking is at its best. Having a blog is a good platform for exchanging genuine ideas from consumers to you as marketer of a certain product. Sound opinion and point of view is better than just showing the price quote.- Excellent advertising platform. Blogging is a new way to advertise products, a refreshing change from the traditional advertising outlets and it is cost-effective.- Gauging public opinion on products and services. The key is nice and catchy titles with new ideas presented in your content. This is an assurance of quick and repeated responses from your readers. Blogs is an excellent spot for the exchange of ideas between the seller and the consumer. Good for measuring public opinion regarding services and products, even political and business matters alike.- Useful tool for internal communication. This will help your company to build a knowledge-based community of employees. Also good for harnessing employee relations and identifying human resource issues in advance.- Other benefits like search engine optimization (SEO) will help your blogs to be seen often by as many people as you wish. This is very good exposure for your products and services.Many blog hosting services are available on the Internet. But the basic question is which one of the services will be the best to start off your business blog program- Business people are usually clueless to recent technological innovations which would help them maximize their marketing potentials. For these beginners, it is best to study first the services offered by blog hosts. An ineffective business blogging program may damage marketing opportunities instead of enriching them.A company may decide to do the following depending on its capacity and needs: 1) Host their own blog service, 2) Pay someone else to host the service, or 3) Setup a “blog aggregator page” and ask the employees to select their blog hosting services individually. There are paid and free services available for individuals.For business blogs, they are required to have the latest blogging features; if not, this will prevent them from maximizing their marketing, public relations and SEO potentials.Keep in mind that blogs should have the following basic essentials:COMMENTS. Welcoming comments provide opportunity for dialogue. In business blogs, they are a good customer feedback mechanism. This helps develop better customer relations based from loyalty and trust. Blogging is an innovative way to converse with your customers.TRACKBACK. This helps in maximizing company and product exposure. Through this service, consumers can get back to you for more posts and updates without the difficulty of locating you. If your blog is popular in a specific online community chances are links going back to your blog site are everywhere online, other blog sites or even websites.CATEGORIES AND TAGS. These both help in classifying blog searches for ease of navigation and on site search. Categories act as libraries because it classifies posts by subject matter such as business, distance learning, e-commerce, online auctions, etc. Tags, help in the classification, especially in the blog search engine Technorati. Possible customers and new clients locate blogs about certain topics of interest by just clicking the tags.RSS FEED. Really Simple Syndication is the feed from your blog that is sent out over the internet, and collected through the various newsreaders and aggregators.If your company is to establish a business blogging program, considerable options should be made available by the hosting companies shortlisted for the services. Free blog hosting services are popular but they are much appropriate for individual online journals. Paid blog hosting services offer unlimited packages best for your company’s needs. You may want to suggest checking out some blogs that use the host first, read and examine their layout and design. Another important thing to consider is a reliable technical support the host has.After, choosing the blog host, a team should be ready to plan the design and structure of the blog: The team should:- create a style that meets the needs of the audience;- establish an open, credible tone;- schedule weekly updating of blog – ideally, a few times a week;- include weblinks of other website and blogs;- blog post should be in the “first person;”- focus on the business blog objective; and,- maintain an honest, engaging conversational quality.Remember, whatever the look, style and content found on your blog is a reflection of you and your company.MORE BLOGGING TIPSRound I – 50 Directories Where You Can Submit Your Blog For Free With NO RECIPROCAL LINK REQUIRED!Round II – 50 Directories Where You Can Submit Your Blog For Free With NO RECIPROCAL LINK REQUIRED!

I’m RJ Tayaban, the blogger of TheWeblogZone : Blogging, SEO and Online Marketing. I’m personally recommending Thesis WordPress Theme for your blog.

Canvas Attributes and How They Relate to Making a Good Business Decision About Which Digital Inkjet Canvas your Company Should Use

As inkjet canvas continues to gain popularity in the fine art and photographic digital printing industry, the multitude of available brands and varieties will persist and eventually flood the market in an attempt to take advantage of this increasingly desirable consumable. Current market research shows that inkjet canvas is selling three times more than inkjet paper, which historically, has never been the case. This swing in market trends suggests that art consumers are impressed by the aesthetic appeal and novelty of digitally printed inkjet canvas as it is a relatively new, yet logical medium for fine art reproduction. As an entrepreneur running a printmaking business, selecting an inkjet canvas that will be the foundation for your reputation and long-term success amid the array of possibilities, can be a daunting if not impossible undertaking. Nevertheless, it is the responsibility of the printmaker to understand and test inkjet canvas to source the highest quality to ensure sustainable-revenue and the integrity for their business. Therefore the purpose of this article is to provide printmakers with the proper tools to evaluate inkjet canvas based upon empirical data and measurable attributes; in an attempt to produce higher-quality, more-archival, and ultimately more sellable fine art inkjet canvas prints.

In order to properly evaluate inkjet canvas for your printmaking business, several criteria must be evaluated and considered. This criterion can be broken down into four primary categories: aesthetic appeal, longevity, production/business practicality, and brand association. Testing multiple brands and types of inkjet canvas is the best thing you can do for your business, your customers, and the fine art industry as a whole. That being said, the first thing you will need to do to get started is purchase sample material from several leading inkjet canvas manufacturers. Let this article be the guide or checklist to walk you though the important evaluation process. Aesthetic Appeal

This category has been listed above all others because it is the single most important factor for evaluating your primary, “house” inkjet canvas. The fact is that this is the fine art industry and whether you are the artist, a gallery owner, a publisher, or a printmaker, the ultimate universal goal is to sell art. Art is predominantly sold as a result of its aesthetic appeal and the emotional derivative of the image presentation. In other words, the better your prints look, the more your artists will sell, which will naturally result in more printing business. If the artists that you print for are confident that you are reproducing their work in the most visually appealing manner and this is reflected in their print sales, you can be sure they will continue to employ your services. On the other hand, if the artist decides to shop around or happens to come in contact with an alternative printmaker who is obviously producing superior inkjet canvas prints, the artist will be gone in an instant. The only way to be certain that you are producing the most visually appealing inkjet canvas prints, is to test several different inkjet canvases for color gamut, Dmax (optical density), resolution, texture, and weight. Let us carefully consider each of these attributes individually.

Color Gamut – In this increasingly competitive industry simply offering great color reproduction is not enough. You need to offer the best color reproduction. Although precise color gamut measurement tools, such as a Colorimeter or spectrophotometer can and should be used if available, the naked eye is usually enough to distinguish a superior inkjet canvas. Print a color target, which consists of several individual color patches, on each inkjet canvas that you are evaluating. Use these targets to compare each individual color to determine which inkjet canvas produces the best color gamut. It is also recommended to print the same, colorful image on each inkjet canvas and see which produces the most vibrant colors.

Dmax – Dmax is a measure of maximum density of an image’s color but more specifically its black density. Again, the most precise measurements can be taken with a densitometer, but the naked eye will suffice if this equipment is not available to you. When discussing paper and inks, Dmax is commonly defined as the blackest black possible. Black density is arguably the most discernable characteristic in evaluating the quality of ink, paper, inkjet canvas, and even printmakers themselves. Therefore achieving the blackest black possible should be the most critical concern for every fine art printmaker. In this increasingly competitive industry, as with color gamut, offering great blacks is simply not enough. You need to offer the blackest blacks possible.

Resolution – This refers to the smallest discernable dots or pixels, commonly measured as dpi or dots per inch. In relation to fine art reproduction, it is a measurement of the “fineness” of detail in a printed image. Resolution is a crucially important attribute because without “fineness” and detail, image quality is compromised. No matter how accurate your colors are or how dense your black may be if the image appears blurry up close instead of clean and crisp, you will have significantly decreased your chances of selling that print as it will negatively affect its overall perceived value. This will inhibit the artist from obtaining true market-value for his/her work, which will cause you the printmaker to lose business to a competitor who uses a inkjet canvas with superior resolution. It should be noted that inkjet canvases with excessive texture can also compromise resolution and should be avoided. The drastic peaks and valleys in the inkjet canvas texture can cause ink to “bleed”, or run, which will blur minute aspects of a printed image.

Texture – The optimal texture of inkjet canvas is one that will exude a natural inkjet canvas look, without compromising resolution or reducing the amount of viewable angels in which the art can be appreciated. The latter is caused by any type of glossy finish on a highly textured inkjet canvas. The result is a “sparkling” affect caused by light reflecting off of the glossy peaks and valleys of the textured inkjet canvas. Sparkling inkjet canvas prints no longer take on the qualities of an original painting which causes art consumers to perceive them as cheap reproductions. In an industry driven by quality and aesthetic appeal, cheap reproductions won’t sell and will be detrimental to a printmakers’ reputation. All in all, even if a inkjet canvas is a clear leader in color gamut, dmax, and resolution, it may have excessive texture which alone can compromise quality. Therefore, printmakers should test for excessive texture. This can be accomplished in two ways. First, print images with extreme detail and look for a lack of image cleanliness and crispness up close. Second, use a semi-glossy or glossy post-print protective coating and look for sparkling when light reflects off the coated surface. It is important to keep in mind that texture is primarily a subjective attribute of which everyone will have a differing opinion. As a printmaker, it is wise to advise your clients to make a texture decision based upon objective information that will improve the sale-ability of their prints rather than attempt to source unique inkjet canvas textures to appeal to every artist’s personal preference.

Thickness & Weight – These are completely subjective attributes that do not contribute to the visual appeal or the sale-ability of any inkjet canvas print. For their own reasons, usually related to their artist/customers, some printmakers have a tendency to place value on how a inkjet canvas “feels”. To the artist or printmaker (not the art consumer) perceived value can be associated with a heavier weight and thicker inkjet canvas. The fact is that it costs more to manufacture a inkjet canvas with a heavier weight and thickness, but neither weight nor thickness has any contribution to the visual appeal or longevity of a inkjet canvas print. The higher cost is simply not justified.

Once stretched, framed, and hanging on the wall in an art gallery nobody is touching or “feeling” the finished inkjet canvas print. These consumers have absolutely no way of determining the initial weight, thickness, or feel of the inkjet canvas. Therefore, these attributes are totally worthless unless of course they somehow affect your production process. For example, an excessively thin inkjet canvas might tear when stretching over frames. An excessively thick inkjet canvas might not feed through your printer. An excessively heavy inkjet canvas might senselessly raise your costs, lower your profit margins and in turn decrease your market competitiveness as a printmaker. Therefore, using a inkjet canvas because you like how it “feels” or how “heavy” it is, is just a disorganization of business priorities. Unless your customer requires a specific inkjet canvas weight or thickness, these two attributes should be considered your lowest priority. Generally it is a plus to have a heavier, thicker inkjet canvas but should not influence your inkjet canvas evaluation. Longevity

Longevity refers to how long a inkjet canvas print will last before it begins to noticeably deteriorate. This is an absolutely critical element in determining which inkjet canvas to use for your business. In order to appropriately label yourself a “fine art printmaker”, you must produce fine art prints. By definition, fine art prints are expected to maintain their constitution for several decades. Fine art prints that deteriorate in the short-term maintain almost no value and were in fact, never fine art prints to begin with. Thus, longevity must be taken into consideration in every printmaker’s long-term business strategy as selling deteriorating prints will no doubt contribute to the inevitable demise of your future business in the fine art industry.

Unfortunately, unbiased, objective longevity testing information about each inkjet canvas is not readily available. Therefore, the only real way to be confident that this longevity component is fulfilled is by choosing a reputable manufacturer with a worldwide recognized brand. These manufacturers have proven their ability to deliver and support fine art quality products to the masses. They also guarantee their products. Rest assured that if any problem does arise, most of them will be right there to fix the problem and/or reimburse you. A reputable printmaking business must have this guarantee where the manufacturer holds the risk. Printmakers should use these worldwide brands to their advantage by communicating their stability benefits to their own customer base. Nevertheless, it is important to understand exactly what characteristics affect the longevity of your inkjet canvas prints.

Acidity – One primary determinant of longevity is the acidic content within a inkjet canvas. The introduction of acid to a inkjet canvas print will cause it to quickly yellow and deteriorate. Finding a inkjet canvas that is completely acid-free and ph-neutral is extremely important in preserving the longevity of your prints. Most inkjet canvas suppliers will boast an acid-free product but in actuality they are referring only to the raw inkjet canvas material, conveniently leaving out the acidic content of the inkjet receptive coating applied on top, which completely negate the initial claim. In order to maximize and ensure longevity, printmakers should therefore make sure that a inkjet canvas has both an acid-free raw inkjet canvas base and an acid-free inkjet receptive coating.

Optical Brightener Additives (OBAs) – These are artificial brightening agents commonly used in many inkjet substrates to make them appear “brighter” or whiter than they actually are. According to the most recognized inkjet print permanence testing organization, the Wilhelm Research Institute, OBAs should be avoided because they compromise the longevity of fine art prints by causing yellowing, and by causing the colors of a print appear different under differing lighting conditions.

Color management guru David Coons of Artscans explains the difficulties in using OBA’s:

“Our main problems with OBAs are with reproducing original art with bright or pastel yellows. Since typical OBA coated media doesn’t reflect warmer wavelengths as strongly as conventional natural white watercolor papers, it’s often impossible to accurately reproduce many warm pastel colors such as light yellow.

Optical brighteners create an appearance of ‘brightness’ by inducing blue fluorescence in the presence of UV-rich light sources such as sunlight, metal halide, and fluorescent lamps. Papers coated with these brighteners tend to fight yellow inks in particular because of their bluish cast. Color management systems can help preserve relative color differences, but will never be able to overcome these physical limitations.”

In June 2005 worldwide inkjet canvas manufacturer Breathing Color, Inc. out of Orange, California (www.breathingcolor.com) released the first ever optical-brightener free inkjet canvas and since, the product segment has grown in popularity at a very fast pace within the USA and is spreading to other regions of the world. Printmakers using this product are taking advantage of the credibility and competitive positioning it offers.

Water-Resistance – History has proven that inkjet canvases without sufficient water-resistance are fragile and increasingly susceptible to damage by humans and the environment (humidity).

Although they can be protected and enhanced with solvent-based coatings, generally it is best to avoid them simply because they are more of a liability and increase longevity risk. Solvent-based coatings, which are mandatory with non-water-resistant inkjet canvases, also have a tendency to chip, crack, and flake over time and/or the sduringtretching process. Some manufacturers who have not yet been able to develop a truly water-resistant inkjet canvas have resorted to marketing semi-water-resistant inkjet canvases as water-resistant. Beware of these. Although there is no documented industry standard for water-resistance, printmakers can easily test this on their own. Run a print and allow it 24 hours to dry. Once the ink has completely dried simply poor a glass of water over the print. If a inkjet canvas is not water-resistant, the ink will run and smear immediately. Some highly water-resistant inkjet canvases can withstand this test even immediately after printing. Printmakers using truly water-resistant inkjet canvases also enjoy the added benefit of the ability to use a water-based post-print coating, which in most cases is much more durable than the solvent-based alternatives.

Post-Print Protective Coatings – Commonly sold in gloss, semi-gloss, and matte options, these post-print protective coatings are most commonly used to preserve and protect inkjet canvas prints from abrasion and harmful ultraviolet light. They are also used to enhance color and increase the visual appeal of a inkjet canvas print.

Printmakers should evaluate a coating for the following: First, it must sufficiently protect a inkjet canvas print from abrasion. This means that if anyone were to accidentally touch, scuff, hit, or spill anything onto the printed surface – nothing will happen. The integrity and value of the print is essentially preserved. Second, a giclee coating must protect a inkjet canvas from harmful ultraviolet light. Although it should always be avoided, this means that the inkjet canvas should not fade or yellow if it were to be in direct or indirect sunlight for extended periods of time. Third, a coating should be able to enhance color in order to increase the visual appeal of the inkjet canvas print. Fourth, a coating should not provide any sort of yellow cast over the image. This is a negative side effect that compromises the integrity and value of a inkjet canvas print. This yellow casting issue can be tested by simply comparing a coated and uncoated piece of unprinted inkjet canvas. If the coated portion appears yellow, then this coating is working against the quality of your reproductions and should be substituted with a more reputable product from a fine art manufacturer. Finally, the coating should not crack when stretching over frames. If the giclee coating cracks you are unnecessarily decreasing the quality of your inkjet canvas reproduction. All reputable inkjet canvas manufacturers have information on coatings that is compatible with their products. Selling prints that crack when stretched is unacceptable in this industry where public information about coating compatibility is readily available for all printmakers.

Only use fine art giclee coatings from reputable manufacturers that produce products specifically for the fine art market — not to be confused with coatings made to protect signage or other surfaces and are erroneously marketed by many suppliers as fine art coating substitutes. Beware of these untested products with no history or track record. Production

Now that we have discussed the most critical aspects of selecting an inkjet canvas in aesthetic appeal and longevity, let’s shift our focus production, more specifically, “how does this inkjet canvas work with your operational flow?” Production can and should be shaped around a high-quality, archival inkjet canvas, rather than finding a inkjet canvas that works with your current production flow. I say this because many printmakers are forced to make this decision when they encounter a problem with a inkjet canvas or supplier. “Do I select a new inkjet canvas that works well with my current system and flow or do I select the best inkjet canvas I can find and adjust my production flow around it?” Though the latter may be more difficult in the beginning, this decision will no doubt pay off in the long term. Nevertheless, there are some inkjet canvas characteristics that are more suitable for every printmaker’s production flow and should be sought after. Consistency – Roll to roll consistency is a vitally important issue for every printmaker, especially for high production environments. A lack of consistency can cost your business a lot of time and money in defective prints and material waste. It can even cost you customers.

Any inkjet canvas manufacturer can tell you that inkjet canvas manufacturing is by far the most difficult inkjet product to consistently produce. No inkjet canvas is perfect, and at some point in time every printmaker will receive faulty inkjet canvas that they must return. For the most part, some inkjet canvases tend to be more consistent than others and these are the ones you need to find. If you choose a inkjet canvas that is very consistent your business and customers will enjoy smooth production without hassles. This is where the actual make-up of a inkjet canvas becomes relevant.

The two most common fine art inkjet canvas options are 100% cotton inkjet canvases and poly/cotton blend inkjet canvases. 100% cotton inkjet canvases used to be the first choice amongst the majority of fine art printmakers because of its perceived higher quality and natural look and feel. These days, after years of manufacturing inconsistencies, 100% cotton inkjet canvas is avoided by the majority of the market and hardly any manufacturers produce them anymore. The inconsistencies include shrinking (when coated or when subject to a high humidity environment), expanding (long after being stretched and framed, causing the print to sag and appear off balance on one side), and the presence of visible, black cotton seeds. These black cotton seeds end up in the middle of prints and can make them look dirty or defective. They also have a tendency to fall off, leaving white voids in your print. Collectively, it is for all these reasons that 100% cotton inkjet canvases are not widely used by fine art printmakers any longer.

Instead, consistent and high quality polyester-cotton blend inkjet canvases (or “polycotton inkjet canvases”) have become by far the most widely used inkjet canvas base in the fine art industry. Poly/cotton inkjet canvases are of not inferior in print or longevity quality, but do lack the natural look or feel of the 100% cotton inkjet canvases. However, polycotton inkjet canvases are typically free of cotton seeds and do not shrink or sag after long periods of time. Ultimately, the crucial importance of roll-to-roll consistency has fueled the demand for polycotton inkjet canvases over the years. Until consistent 100% cotton inkjet canvases are introduced, these poly/cottons will continue to drive the market.

It is important to understand that roll-to-roll consistency of polycotton inkjet canvases also vary from manufacturer to manufacturer. Roll-to-roll consistency really comes down to a given manufacturer’s quality control. Larger companies always have better quality control because of how costly this process is. There are always defects in inkjet canvas productions and the primary role of quality control is to isolate the defects so that they do not reach the marketplace. Some manufacturers do this better than others. As a general rule, it is better to stick with a larger manufacturer, provided of course that they have the best product with regard to aesthetic appeal and longevity.

Stretch-Ability – As stated earlier, a finished, coated inkjet canvas print that cracks or tears when stretching over frames significantly loses value and also appears cheap in the eyes of consumers. To avoid this, printmakers can test a inkjet canvas by coating piece of it, allowing it 24 hours to dry, folding it backwards, completely in half, and then firmly pressing the fold to make a crease. If the inkjet canvas does not crack in the creased area, it will most likely not crack or tear when stretched. Nonetheless, the only way to be sure is by sending a print to your framer (unless you frame yourself) who can provide reliable feedback.

Cost – This is the final determinant of a printmakers’ market competitiveness. Specifically, what level of quality does he/she deliver relative to the asking price. In order to be the most competitive, a printmaker must use the highest quality product available at the lowest price, but not if price compromises quality. In this industry, price does not always determine quality. This is because the distribution methods of manufacturers are the primary determinant of the end user price. Most manufacturers use regional distributors who in turn mark up the cost of the product and sell it to end users. This is the traditional distribution method of this industry. Contrastingly, a few select worldwide manufacturers sell direct to the market, eliminate the regional distributor, and are therefore able to offer fiercely competitive pricing directly to the end-users. By researching manufacturers and their pricing structures, printmakers can gain a good understanding of what each has to offer. The goal is to maximize quality and minimize cost.

It is also important to consider buying inkjet canvas or other substrates in bulk. Many manufacturers and distributors will offer volume discounts on inkjet canvas. Therefore, businesses can drastically lower their overhead, simply by buying in bulk and stocking their best selling products. Buying in bulk will also lower overall shipping costs by ordering once every 3 months for example as opposed to once per week. Bulk-buying will also ensure that you have sufficient inventory to promptly begin and deliver urgent print jobs. Brand Association

As if it hasn’t already been stressed enough, printmakers need to know as much as possible about the manufacturer before they start printing on their inkjet canvas. First, printmakers need to distinguish between a true manufacturer and a private-labeler.

Private-labelers are companies who conceal the original manufacturer by applying their own names to a product. Due to the exponential growth of this industry there is an overwhelming abundance of private-labelers. Every single regional inkjet supplier who brands their own inkjet canvas is private labeling. If they tell you otherwise, they are not being honest with you. It costs millions upon millions of dollars, not to mention rare expertise, to produce and support even one high quality fine art inkjet canvas, which is why very few manufacturers really exist.

Many re-branded inkjet canvases on the market over the past few years have been produced at a very low cost from unreliable inkjet canvas mills in countries where labor costs are low (i.e. China). The problem with these manufacturers is that they lack the financial wherewithal to support a fine art inkjet canvas and will turn their back on the first sign of a problem. They have no brand, they are not interested in building a brand and they have nothing to lose. A manufacturer without extreme care of a brand in the delicate fine art industry is a very bad sign and should be avoided at all costs.

The less-informed, poor inkjet canvas choices made by regional inkjet suppliers and their printmaking customers have plagued the local markets at times. A recent issue involved a particular inkjet canvas that was being marketed and sold within Australia as a “fine art inkjet canvas of the highest quality”. To the dismay of its users, this inkjet canvas began to turn yellow on the walls of its buyers only eight months after it was printed and even coated. This resulted in massive returns, lawsuits, bankruptcies, and ruined the credibility of many of the businesses involved. Normally a bad inkjet canvas choice will simply result in a loss of competitive positioning, but the point of this example is to stress how bad it can get.

The only way to be certain is to choose a inkjet canvas that comes from a widely recognized worldwide brand with a public reputation. You can confirm this by visiting the manufacturer’s web site and reading about their company. Read about their products, their values, and their mission. Read their press releases and see if and how long they have been covered by the media. If posted, read their customer testimonials and do further research on the reputation and history of these customers. Then, contact the company directly and speak to a representative who should be interested in starting a relationship with you. Make a small purchase of a sample kit or anything else that will allow you to evaluate how the Company delivers. Take note of the marketing materials they provide, the look of their packaging, etc. Gather some influential industry publications and look at the company’s advertisements. There are far less than ten worldwide inkjet canvas manufacturers and through this research they will be easily distinguishable.

Reputable printmakers simply do not even waste their time even trying inkjet canvases that do not come from long-standing worldwide brands who have been in the industry for years. By conducting some research one can conclude that the more reputable the printmaker, the more likely it is that they strictly use long-standing worldwide brands. Chances are, they have learned “the hard way” at some point in time. Conclusion

In this rapidly expanding industry, printmakers lose or capture business daily as a direct result of customers demanding individual inkjet canvas attributes. The higher volume the customer is, the more sophisticated and knowledgeable they will be, and the more significance each inkjet canvas attribute will have to them. Higher volume customers learn faster and earlier than the rest of the market, but eventually, the rest of the market catches up. Therefore, the only long-term strategy is to master knowledge of these attributes and offer the best inkjet canvas that the industry has to offer. The best inkjet canvas, in and of itself, will always be a subjective analysis but by prioritizing these attributes one can interject a certain level of objectivity into it that customers will understand and trust.

Teddy Blah of MFA Talon Graphics of El Segundo, who uses Epson 9800, Epson 7800, and says “MFA Talon Graphics has been a one of the largest worldwide fine art printmakers for nearly 20 years now, and to uphold our leading reputation, our substrate decision making process from inkjet canvases to papers is extremely intricate and involves many people. The ultimate decision comes from an accumulation of years and years of learning experiences, coupled with constant tests and evaluations of new products, to discover what will continue our reputation and propel MFA Talon Graphics to increasing levels of quality. We know where to find the best materials, we know how to test and evaluate them, and we only use what is logically determined by us to be the absolute best that we can offer our customers. It is a never ending process and by treating it this way we improve our quality every single day.”

Finding the best inkjet canvas for your business will result from an accumulation of inkjet canvas knowledge as brought forth by this article along with your continual research and pursuit of maximum quality. We hope that printmakers all over the world save this article and use the information presented within it, to better their businesses and to better the fine art printmaking industry as a whole. ABOUT BREATHING COLOR, INC.

Breathing Color™, Inc. is a leading designer and supplier of award-winning digital inkjet media and post-print protective canvas varnish. Breathing Color is focused on the fine art and photographic markets with products for Epson® Printers that lead the industry in color and longevity. Breathing Color’s customers benefit from the highest quality at competitive prices by buying direct.

Nick Friend, President of Breathing Color, Inc., is a principle-centered entrepreneur who has many years of experience in developing and executing innovative sales and marketing strategies as well as building, training, and leading national and international sales forces. His ability to recognize market opportunities, build successful business models, and lead organizations has been demonstrated with multiple business ventures including Schematics Productions, Inc., a niche focused men?s apparel company that was acquired by a large manufacturing company and is still in operation today. His diverse experience also extends to bringing related digital imaging products to market, including digital art papers for the professional art and photography markets. Here, Mr. Friend regularly contributes articles and expertise to key industry publications. Mr. Friend is also an accomplished musician whose past fifteen years have been spent writing music and performing live in locations all over the United States. He is an honored graduate of the University of Southern California, having studied at the well-renowned Marshall School of Business with emphasis in corporate and investment finance.


Mr. Friend was recently honored by the Orange County Business Journal’s “Excellence in Entrepreneurship Awards 2007″ with his nomination amongst a select group of distinguished entrepreneurs in Orange County, California. The Orange County Business Journal recognized Mr. Friend for his role as founder and President of Breathing Color, inc.

About Declarations Pages in Auto Insurance

To break the declarations page down further, we’ll discuss each aspect presented on the page, and this is done in no particular order, meaning your declarations page may or may not have the same information in the same order listed here. First we’ll mention the auto insurance company’s information on the page. The declarations page will have the name of the insurance company, as well as their contact information including a phone number and address. If you need to contact the company, the information is readily available here and also on the insurance card that you should have somewhere in your car in case it is immediately needed.

Next, you should find your policy number. Your policy number is a way the auto insurance company can identify you without using your name. This lessens confusion as there is typically more than one client sharing the same first and last names. A policy number can include numbers and letters together, or just numbers. You will need to know your policy number any time you want to contact the insurance company. You can also find your policy number on the insurance card.

Information regarding the coverage you have purchased is also included in the declarations page. The coverage you purchased will include the minimal requirements provided by your state, as well as any additional coverage options you felt the need to purchase. Bodily injury liability, property damage liability, personal injury protection, and uninsured motorist bodily injury may be some of the coverage options you purchased that will be listed on the declarations page. Read more about automobile premiums and policies in Auto Car Insurance Premiums section of author’s site.

The cost of each coverage you purchase for your auto insurance policy will also be listed on this page. The price of your policy is determined by individual factors, including the cost of coverage you added to your policy. If you carry additional coverage options past the state’s requirements, you can look at these “extra” options and decide if they fit into your budget, or if you can add more coverage for added protection.

Your deductible amounts may also be listed in the declarations page. A deductible amount is the amount of money you are willing to pay, out-of-pocket, when you make a claim to the auto insurance company. Any time you file a claim and expect the insurer to cover an accident-related cost, the insurer requires you to pay upfront a deductible. This amount can range from $250, to $1,000 or higher. The lower deductible you choose for your policy, the more expensive your policy premium will be.

Look for the policy periods on the declarations page to find out when your coverage begins and when it ends. You should also be aware that you have the option with the insurer to automatically renew your policy when it expires. This helps to avoid any time period of not carrying auto insurance, known as a policy lapse. It is illegal to drive a vehicle without proper auto insurance so it is vital that the policy always be in effect.

You will also notice your information, or the policyholder’s information, listed on the declarations page. Your name, address, and phone number will be listed on the page. It will also have information regarding the vehicle(s) you have insured with the company, such as the year, make and model of each vehicle. Always keep this information up-to-date with the auto insurance company so they can contact you easily with any questions they have or information they need.

You may think the declarations page is just one more nagging piece of paperwork, but in actuality it is the most important piece of paper that you have for your auto insurance. You will need to review your declarations page every time your policy renews to make sure no coverage was accidentally dropped or so you know your information is correct. Don’t disregard your declarations page as it comes in the mail or think of it as worthless because you think you already know what coverage is on your auto insurance policy.

Willie James is a car insurance expert of Online Auto Iinsurance News agency. His job is to analyze auto insurance information and publish different reviews for Federal Insurance Bureu (FIB) in Moscow, Russia. His hobbies are organic synthesis in chemistry laboratory and styding a psychodelic plants like Salvia Divinorum (Shalfey) and another entheogens and exotic plants.