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Month: October 2017

Learn How to Make Money Taking Photographs

Thanks to the internet and digital cameras there's a huge market now for selling all kinds of photos featuring themes, styles, topics, etc.

There is money to be made from taking and selling photographs. Taking pictures is easy, fun and you can work at your own pace. You do not have to be a professional photographer or have a college degree. All you need to get started is a digital camera, computer and a photo-editing program (Adobe Photo Shop, etc). You do not have to be a professional photographer or have a college degree.

The market for photographs is huge. Estimates show magazines and newspapers buy over 50 million photos a year,

There are many different ways you can make money with your digital camera. You can make money taking and selling photographs for people's personal use, decor, family reunions, birthdays, anniversaries, memories, portraits, weddings and pets.

Clearly to be a success in making money taking photographs includes tips on finding the best revenue sources for your type of work. Depending on what method you choose to market your photographs with you will either be selling them per download via sites such as Stock and Prints, Crestock, iStockphoto, Dreamstime etc. or local Business People, Travel Agents, Realtors, Car Lots or even directly to clients on a contract basis. Photographers are needed in many fields. For instance many people use car web sites and they sell their products as a result of photography. People celebrate special occasions more with photography, than they did years ago. The travel and advertising markets have a great need for landscape, travel and nature shots. The key to finding your clients is simple: find out where they buy their current photographs and make yourself visible there!

These are some of the photograph markets that will pay you for taking pictures:

Marketers
Writers
Magazine Editors
Weddings
Scrap Bookers
Business People
Peoples Pets
Travel Agents
Realtors
Web Designers

There are many other markets that you can check out that you can sell photographs to.

Learning how to make money with your camera via the internet can be reliably easy. All you need is to get enough determination to give this endeavor everything. You must also have the initiative. This will ensure that you make the first move to making the business a success.

Almost anyone with the right camera equipment, and the necessary skills can set up a home business, marketing photography. You only need to convert a room of your house into an office, and then you can work immediately. Because you have modern technology in the form of digital cameras, you do not even need the room for a dark room.

The technical skills needed to make a successful photographer have never been easier. The market for photographs of almost every type has widened, the world looks to have an insatiable appetite for photographs. . For instance many people use car web sites, they simply did not exist ten years ago, and they sell their products …

Personal Affirmation!

A Personal Affirmation is a statement that you make to yourself and by using them can help you become a strong, healthier and happier person. The more they are used the better the person you become. Of course it depends on the specific affirmations you choose!

The Personal Affirmation should be said in the present tense like I have, I am etc. It should be spoken as if what you want is already achieved like, I no longer smoke and above all, it must be positive in its sayings. So, in order to change your beliefs and create your new reality, you have to bombard your subconscious mind with the thoughts of your desire.

When Should I say them

The general consensus is that they should be seen or said at least twice a day. Preferably, first thing in the morning and last thing at night, then keep on doing them until what you are looking to achieve becomes the reality. Of course, if you are in a position to look at them more than twice a day, then do so. It can only help. At the very least, 30 days is considered the minimum you should do this. The problem is we all, to a certain extent, want it to happen now, not later. Be patient and it will happen for you.

If you add visualization (seeing clearly in your mind the output) to what you are affirming then the more effective the end results will be. This will add great strength to what you are looking to change.

What should my affirmations be about?

Your affirmations can include how you would like to feel: "I am energetic; I feel wonderful; or I feel safe". Your affirmations can include how you would like your life to be: "I am a prosperous person; I lose weight easily or I solve problems easily. We use affirmations to help us lose weight and stop smoking, to build our self-confidence and self-esteem, to help us get out of depression or to relieve our anger, anxiety and for stress management.

Personal Affirmations Are constantly being used successfully by the young, the old, in fact anyone who have a desire to make a change in their life and they can certainly work for you too.

As the affirmations are personal, most if not all, will begin with "I", as you are the most important person to which they refer.

They are one-line "I" statements can be repeated as often as you like and they follow one of three areas only and they are:

I am ………….

I am a success

I am good with people

I am a confident person

I can …………

I can handle my children

I can be a winner

I can be strong

I will …………

I will challenge myself to change today.

I will manage my time better today.

I will take care of me today

The list that you can apply to just those three statements, I am, I …

The Revolutionary Software – Astute

It has been stated that the software being brought to us by the company Astute is set to revolutionize the way in which enterprise wide systems are utilized throughout the market place. So just what is Astute software?

This software giant started back in 1998 when a core development team bought a 30 year track record with them in the development of financial and supply chain software that was made for thousands of international business users. It was based on this experience that Astute realized that there was an ever growing need and opportunity to develop new and advanced products for the global business market while incorporating the latest development and deployment technologies from Microsoft.

The software brought to you from Astute is fully scalable meaning it has the option of being used for low level entry or it can cater for an infinite number of users. Astute software is also service orientated and works exclusively within the electronics industry. It seeks to satisfy customer demands and to maximize capital returns for customers while minimizing any inconvenience in the process.

Astute software has several advantages over its competitors such as it is a component based on software which means that you only have to purchase and use the components that are needed for your business. These components make using this piece of software extremely easy.

One of the components that is available is the Astute Financial component. This component supports a unified ledger philosophy enabling full scalability of an enterprise and a simple solution to the many complex issues that organizations face in this rapidly changing global environment. Astute provides a unique range of features enabling greater efficiency and improved control of cash flow. Some of the features included are:

O A unified ledger design that ensures all accounts are always up to date and in balance

O Multi-dimensional enterprise structure enables flexibility for organizations to develop and grow without being inhibited by their current enterprise hierarchy or system

O Multi-currency features allowing all posting, reporting and analysis by multiple base treaties

O Web deployment ensures lower cost of ownership and enhanced customer satisfaction delivering real business advantages.

Within today's fast paced, ever growing and competitive market things are changing and in the business world you need to have access to software that will help you to compete within the market as well as keeping all of your data up-to-date and also accurate . This is why the piece of software has been and still is the optimum choice for businesses who wish to gain maximum functionality and future flexibility from using a business application.

The need for a piece of software with this much capability has been realized and the opportunity to built such a software has been reached. This new software is an advanced product for global businesses and uses the latest development technology from Microsoft. What we see before us in this technology is a prime example of how software can be integrated successfully with not only …

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a …

What Are Bonds?

When people talk about financial things, you tend to hear the term stocks and bonds thrown around, but are they the same thing? The short answer is no. Stocks and bonds are different entities although they belong in the same financial framework as they are both things to make money and both things that can be bought and sold.

Bonds by definition are an instrument of indebtedness. While that doesn’t sound very appealing and not very much on the side of making money, in fact they are used to make money. It is a case of debt security. Your company wants financing and so to get that you get into the bond market.

The issuer holds the holder debt and then pays interest and/or repays the loan at a later date. Think of it like a regular loan, only the time you have to repay them can vary largely, most have a 30 year term, some have upwards of 50 years and some don’t have a maturity date at all.

You, if you hold bonds will have to pay interest at fixed times throughout the term, usually on a regular basis and they, in turn will fund your endeavors to finance long term investments. Regular small businesses wouldn’t necessarily have to go down this road, but large conglomerates and the government itself do.

The bond is a form of a loan, albeit a large one. The holder of it is called the lender (think bank or larger) while the issuer is the borrower. Banks aren’t the only institutions that can issue bonds, as public authorities, credit institutions and companies can also do it to build their wealth.

The common process is one of underwriting, where one or more securities firms join together to form a syndicate. This syndicate then buys an entire issue of bonds from the issuer and then resells them to investors around the world. This is the case for many transactions, however, the government has bonds issued at auction which is a whole other issue entirely.

While both stocks and bonds are securities, they do differ in how they are bought, how they are sold and how they are traded. Stocks for instance don’t have a maturity date that you have to pay them off by as they are things you purchase in the first place. Having stock in something is a whole other idea to having a bond in it.…

What You Need To Know About Credit Cards

What is a credit card? A credit card is a card that allows you to borrow money to pay for things. There will be a limit to how much you can spend called your credit limit. At the end of each month you can either pay off the whole of the amount you owe or make a minimum repayment. Other kinds of cards include: 1) A cheque guarantee card, issued by your bank, that you can use to ensure that your cheque will be honored up to a certain limit.

2) A chargecard where you have to repay the full amount at the end of each month.

3) A debit card, issued by your bank, where whatever you spend is immediately deducted from your bank account Do you need a credit card? Using a credit card is a useful way of making purchases: a) A credit card means you do not need to carry huge amounts of cash around and risk losing it.

B) A credit card means you can buy items over the internet.

C) A credit card means you can make purchases abroad without having to worry about local currency.

D) A credit card gives the opportunity to spread the cost of a large payment over several months.

E) A credit card is useful in an emergency. For example, an unexpected repair to your house or car.How do you choose a credit card? The main two UK credit card issuers are Visa and Mastercard. These are accepted in most places and in 130 countries worldwide. Beware of less well known brands that may not be accepted everywhere. Before you choose which credit card is the best for you, remember to read the terms and conditions carefully. Never sign up for a credit card without fully understanding what you are agreeing to. Remember that all the plus factors will be prominently displayed in large print. You may have to study the small print carefully to discover if there are any negative factors.
A list of the current cards on offer in summary is available on this credit card summary page. What You Need To Consider: 1) APR (Annual Percent Rate)

This is the rate of interest that you will pay on any outstanding balance. 2) Special Introductory Rates

You may be offered a low or 0{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} rate of interest for a limited time (Up to 6 months) when you sign up for a new card. A higher rate of interest may be charged for cash withdrawals. 3) Balance Transfer Rate

Card issuers may offer you a lower rate of interest if your swap your balance from another credit card to their. 4) Interest Free period

Remember to check when interest payments will begin. Will you pay interest from the day of the purchase? Or will you have a number of days interest free before you begin to pay? There is usually no interest free period for cash withdrawals. 5) Cashback and Rewards

Some cards over points or rewards for …

Student Health Insurance – International Options For Students

Congratulations! You finally got the scholarship you applied for at the University of London. In two months' time, you will be jetting off to another continent, to study fashion under the wing of one of the largest names in the industry.

Naturally, in the excuse that followed, you never thought of student health insurance. International students rarely do – before they get sick, anyway. Once they're face to face with the terrible reality of illness, they regret that they've been so careless about health coverage.

Why wait for this to happen to you? If you do not have a student health insurance with international coverage yet, here are two very good reasons to start shopping around for one.

1. You want to protect yourself from uncertainty. You may be stronger than an ox now or even just borderline healthy. Still, no one knows what would happen in the future. You could fall ill weeks after your arrival. There are no guarantees that you will not meet an accident or catch the flue while abroad.

You may protest, "But my parents have insurance and it covers me!" How are you? Moreover, even if you already have some form of coverage, this is most likely minimal at best. Furthermore, policies are generally not specifically intended for traveling students. Unlike student health insurance, international holidays and extended positions are likely to be items of exclusion in whatever policy your parents have.

2. You want to plan your life ahead. Planning your finances should begin even before you get your first real job. You do not want to start your adult life swamped with a huge medical bill to pay off, on top of your student loans.

Do not get caught unawares. As you go about planning your trip, request for quotes from various providers of student health insurance. International students should consider getting them combined medical and travel insurance coverage. Then, and only then, can you consider yourself a responsible adult with an eye out for his or her own well-being. …

Who Loves Money Review – Who Loves Money is the Latest Internet Marketing Guide to Hit the Net

Who Loves Money Review

This is a review of who loves money. I bet you are thinking "here we go again". Yet another launch of some money making ebook that fails in using so called "iron clad" methods which are only successful in emptying your bank account. So why is Who Loves Money different, let's delve a little deeper.

So who is behind Who Loves Money?

Who loves money is the latest offering from two of the hottest marketers around today, namely Kyle and Carson. If you do not know who they are, well, this dynamic duo are the masterminds behind one of the most successful Internet Marketing membership sites on the net today, Wealthy Affiliate. They are also the authors of two of the most respected Internet Marketing ebooks, Beating AdWords and Inside the List, a must in any serious marketer's arsenal.

How is Who Loves Money different from the usual Money Making Dross?

Firstly, you will learn how to use proven techniques that do not require a huge budget, in fact you do not need to invest a dime of your own money.

Secondly, forget the outdated or useless methods given in other ebooks which fail dismally to provide any form of income. Within who loves money you are given a step by step guide into detailed money making techniques. These techniques are not theory or some hyped marketing fantasy, they are actual proven thechniques that are used by Kyle and Carson to earn money online.

Here's an insight into some of the techniques that are outlined in Who Loves Money:

  • How we earned $ 60 / Minute With A single Niche Market (We expose the exact niche & product)
  • How to determine which keywords sell
  • Niche Hunting Exposed – How we do it
  • An In-depth look at Clickbank
  • Penny Pincher Traffic Techniques
  • Kyle & Carson's Slow Roller Technique (Yet to be exposed)

Who loves money is a rare opportunity to learn the exact techniques used by two of the hottest marketers around without losing your shirt. This is a well thought out ebook, so if you are serious about making money online, then I highly recommend this. …

Online Motor Insurance Search

It can be a thoroughly baffling business conducting your own motor insurance search for the best buy. Although it is a very competitive market, and this means that there is a clamor of providers all claiming to offer the best deals in motor insurance, the sheer number of insurers and the proliferation of different insurance packages makes choosing a potentially hit-and-miss Affair. This is when an experienced, professional insurance broker can come to the rescue and help you make an informed and reasoned choice – ensuring you get not only the insurance cover you need, but also the best value for money into the bargain.

The first thing an insurance broker will need to establish is the best type of car insurance that best suits your needs. If the vehicle is old, worth very little and you simply can not afford any better insurance, then the discussion with the broker can be kept very short as you opt for the cheapest possible, most basic, third party cover. This will ensure that you meet the minimum legal requirement for insurance – your liabilities for any injuries you cause others (including passengers in your own car) and damage to third party property will be adequately covered.

The search can be both short and straight forward if you need the slightly wider protection offered by cover against the risks of third party, fire and theft claims – which means that you would at least be compensated up to the value of your vehicle if it is Lost or damaged through fire or theft.

The insurance broker will truly come into his own, however, if your search is for fully comprehensive motor insurance. Since there are more than a hundred companies offering comprehensive motor insurance, each with a number of different packages and each package offering various optional extras. A successful search, in this case, relies on your deciding just what elements you are likely to need.

The principal feature of comprehensive insurance, of course, is that it offers protection for a significantly wide range of risks, even when the loss or damage has been caused by the policy holder's own fault. Therefore, this will cover accidental damage to your own car, including the loss of or damage to any personal possessions left in the vehicle; Personal accident benefit for serious injuries you might sustain in an accident; And cover for any medical expenses you incur.

Although these are the core benefits generally included in all forms of comprehensive cover, it is important to remember that insurers differ with respect to the maximum levels of benefit payable and to the additional features available under the policy. Some of these might be optional extras, for which an additional premium will be payable, and could include: no claims discount protection; The provision of a courty car if your own needs to be taken to a garage for repairs or following a theft; Breakdown or roadside assistance; Legal expenses cover or even an extension of the insurance …

Look Smart Not Small Business Friendly

There is a firestorm of negative press looking LookSmart's recent marketing stumbles via numerous discussion groups, including two of the oldest and most influential, I-Search and I-Advertising Digests. Most of the critiques center on LookSmart's accessibility to develop viable programs for SMB / SME ("small to medium business or enterprise"), the difficulty in managing their new pay per click "Small Business Listings" advertising program, and their overall lack of customer service responsiveness.

Many of us in the agency / marketing services world relied upon LookSmart's directory in the early days; especially as an offset to Yahoo's "my way or the highway" attitude when they became the 200 pound gorilla in the marketplace So, it's sad to say, but LookSmart appears to be morphing to just another portal with little marketing awareness of how to work effectively with the tens of millions of SMB companies that have rapidly embroidered a web-centric business model. Their overall terms of services are geared for big companies and their SMB programs appear to be an afterthought at best!

One of the core issues that frustrates many small businesses is the difficulty in getting a listing that actually describes their company, products, and / or services accurately – to add insult to injury, you have to pay in some cases twice to have your listing upgraded . Similarly, LookSmart's editorial staff can not keep up with the demand, or is so pressured to maintain some internal quota their descriptions suffer accordingly.

LookSmart's new Small Business Listings program is simply not "small business friendly." It is a complex program with lots of important details buried in an FAQ and there are some "gotchas" in the small print – including being forced to wait up to 90 days for the return of the upfront deposit of $ 150. and paying a setup fee for a listing; but having it deactivated when you exceed the dollar amount of your "monthly click limit." I can understand their dropping the listing once you exceed your budget, but it does not seem equitable to charge $ 49. to setup the listing in the first place – your in essence subsidizing LookSmart's cost of doing business.

We've found inconsistencies in LookSmart's stated Privacy program versus inbound e-mail traffic we've received from them over the past 3-6 months. We've unsubscribed 3-4 times and still keep getting self-promotional marketing materials which are not of any value, other than promoting LookSmart's business. They are clearly not adhering to their stated privacy policy and to compound matters, our complaints have not been addressed via their customer service department.

So, if your an SMB company what are your alternatives to working with LookSmart? We would recommend your assessing Google's new "AdWords Select" program which is geared more for business of all sizes; but, I must warn you there is some complexity in setting up this type of program as well. But, you certainly get much more coverage with Google – their rapidly becoming the dominant search engine du …