All The Untold Secrets Of Digital Photography

It’s amazing how far digital photography has come in the last decade! When the technology first came out many photographers were very skeptical and they believed that it was going to destroy the world of photography forever and they were scared that everyone was going to be able to become a photographer and remove any kind of professionalism associated with this art form. We all know this isn’t the case and in fact digital photography has done more for the world of photography than anything else in history.What we’ve come to realize is that digital photography and print photography have been split into two different categories and that neither of the two are better than each other. Going back to that belief that many photographers had about digital photography ruining any form of professionalism, this is of course not the case. There are many professional digital photographers who do amazing work and use this piece of technology to its fullest extent.So How Do I Get Involved In Digital Photography?Well it’s so simple, all you have to do is go out and buy a digital camera and start shooting! No but seriously though, there are some things you have to know first but they are pretty basic. First of all you are going to need to get a camera with a decent lens. Fortunately most professional cameras come digitally nowadays so you shouldn’t have any problem finding one. The benefit of having a camera with a great lens is that you will have the ability to focus on different things in your shots. This is the real art of photography, being able to show something that stands out and has meaning. That meaning you will of course have to find and explain yourself through your pictures.Benefits of Digital PhotographyThere are many benefits of digital photography but perhaps the most obvious is that you will have the ability to see what you have taken and choose whether or not it is worth keeping or discarding. The second benefit is that you can also upload your pictures onto your computer so you can edit and change them around. There are lots of different pieces of photo editing software out there that allow you to do amazing things.If you are just deciding to start digital photography now, then you have started at the right time as we will only start to see more and more advancements in this form of technology in the future which of course we will have the privilege of first trying and testing. Good luck!

5 Sources of Financing For Small Business Growth

In the experience of many small businesses over the years, one thing is certain – no matter what type of business you start, it is going to require money from somewhere. Although many entrepreneurs are one-person companies, raising sufficient money is often overlooked seriously by many new startups. The word sufficient here is defined as the amount of money that will really make this business succeed through practical and aggressive means.

Most of the time, the passion of starting a new business overtakes common sense and a real clear idea of the startup and operating capital needed is lacking. So it is advised that when you consider shopping for money to start your business, that you do so after completing some form of a business plan. Even if you take money out of your own pocket or borrow on the equity on your home or from your credit card, it is essential that you know ahead of time that it will be well spent.

Let’s take a look at the most popular options for financing small companies.

Credit Cards

This is the easiest type of money to obtain. According to the Small and Medium Size Business Survey of 2007 by the National Small Business Association (NASB) credit cards are the number 1 financing choice of 61% of businesses of 0 to 4 employees. Frequently, the instant that a small business is formed, the owner takes the EIN number to the bank and starts a checking account. Oftentimes, these small business owners are encouraged to sign up for a credit card and offered favorable terms (sometimes 0% financing) for the first few months.

The problem with credit cards is that the interest rate is often very high at 15 to 20% + and according to the NASB, 71% of small and medium-sized businesses are carrying balances from month to month. This has grown from 64% in 2000. The amount of interest expense carried thus obviously affects profitability and cash flow. If credit cards are used as the principal source of financing, the situation is even worse because the amount borrowed is often higher in this case.

The advantage of credit cards is that there are no barriers to this form of borrowing. This is easy money to obtain. There is no system of checks and balances to ensure that the purpose for which the financing is being carried out is qualified by formal business planning and review.

Earnings of the Business

This may seem a bit obvious, but plowing cash back into the firm from earnings is a form of financing. It is important to keep that in mind, because the cash that becomes available from operations could alternatively be used as a distribution to owners or shareholders. Some of these owners may require that they receive distributions. Depending on the stage of the business, this could have deleterious effects on the business, with respect to growth.

Putting money back into the business should be done consciously, with a clear idea for what specifically the money will be used. If the money is getting put back strictly to grow inventory, it may take a much longer time to grow the business. However, if the money is getting put back to invest in systems and people that represent critical choke points in the current business operations, that is a much better plan for higher growth.

Line of Credit

This could come in the form of a business asset or home secured loan. This means that the bank will utilize the company’s property (equipment, building, accounts receivables) or personal property (usually your home) to ensure that they will obtain significant value in the event that you default on your loan. This is also a much easier form of loan to obtain however is best used for incremental financing not a major infusion of cash.

Bank Loan

One of the best strategies early in the business is to establish good relationships with a community bank in your area with assets around $100 to $200 million. Ideally, their investments in the sub-prime mortgage business are limited so that their interest in lending in general is not tainted. Discuss your business and forthcoming lending interests with the individual that has the final say so on the loan approval. Unsecured loans will be the only option for new businesses and usually have serious limitations on the amount that can be financed and usually comes with higher interest rates.

Private Equity Firms

These are venture capital or private investors that will invest in your business in return for some direct control (or say so) into company matters so that they can extract the return that they expect from your company. This requires that you carefully choose from people/firms with whom you develop a good rapport and that are familiar with your type of business.

Private equity is a good choice for small businesses that need to move to the next level due to limitations on the current business that presents obstacles to growth. This is because, the firms that will invest their money will want to see a good operating and financial track record before they inject their money.

Good advice for small companies at this level is to hire an investment banker. Although this carries a cost to achieve this financing, it allows the banker to attend to this specialized form of financing and allow you to keep focused on running your business. One thing is certain, you will be required to complete a formal business plan for this option.

SEO Spiderz

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider

SEO Spider