Tag Archives: Tips

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Essential Tips for Fashion Photographers: PhotoShelter and Breed Partner to Release a New Educational Guide, Breaking Into Fashion Photography


New York, NY (PRWEB) June 24, 2014

PhotoShelter (http://www.photoshelter.com), the worldwide leader in photography portfolio websites, sales and marketing tools for photographers, today released an exciting new educational guide, Breaking Into Fashion Photography. Inside, aspiring and working fashion photographers can get tips to market themselves to a target audience, establish a solid brand, approach photo buyers the right way, and find work. Download the guide directly here: http://bit.ly/guidetofashion.

PhotoShelter is releasing this guide in partnership with Breed, an online community of fashion photographers with experienced staff teaching and sharing current fashion photography insight through a series of videos, editorials, interviews, product reviews, and more.

In this new guide, fashion photographers will also learn:

Tips to break into the industry and find clients
Strategies to build a strong fashion photography brand
Social media do’s and don’ts to help connect with dream clients online
The 5 biggest mistakes photographers make when submitting their work
Plus, how outlets like New York Magazine’s The Cut want to be pitched

Photographers can also get advice from top fashion pros like Lindsay Adler, Melissa Rodwell, Jonathan D Pryce and the founders of Bello Mag who have learned important lessons along the way on growing a successful fashion photography business.

Breaking Into Fashion Photography is the latest in PhotoShelter’s ongoing series of free business guides for photographers and marketing professionals. PhotoShelter’s library includes 40+ educational guides including topics such as creating a successful photography portfolio, email marketing, and starting a photography business. All can be downloaded here: http://bit.ly/psresearch.

About PhotoShelter

PhotoShelter helps people and organizations who are passionate about their photos do more with them. From creating beautiful websites and securely backing up their best images to building an audience and selling photos online, PhotoShelter is trusted by over 80,000 enthusiasts, freelancers, and established pros worldwide. What sets us apart are over 100 professional-grade features and cutting-edge technology that we’ve evolved with photographers in mind since 2005. With PhotoShelter, any photographer can take their online presence to the next level — and get back to doing the shooting they love to do. Give us a try free for 14 days when you visit http://www.photoshelter.com.

About Breed

Breed is an online community of Fashion Photographers. Breed writers and staff are experienced Fashion photographers teaching and sharing current fashion photography insight through a series of videos, editorials, interviews, product reviews,and more. The Breed community gives fashion photographers a place to connect, collaborate, share and critique work while learning valuable lessons about the historically guarded and highly competitive industry of fashion photography. Trial memberships to Breed starting at $ 5/month: http://jointhebreed.com/signup

All trademarks are the property of their respective owners.

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Texas CPAs Offer Five Savings Tips for Summer Vacation Planning

Dallas, Texas (PRWEB) June 04, 2014

Are you planning to take a family vacation this summer? If so, it could become a pricey proposition. For those Americans with summer vacation plans, 41% expect to pay an average of $ 3,000 for transportation, lodging, meals, activities, entertainment and pet care, according to a new telephone survey conducted for the American Institute of Certified Public Accountants (AICPA) by Harris Poll. The Texas Society of CPAs offers some tips on how you can set a budget for and hold down the cost of a family trip while still having an enjoyable break.

Check Out Prices Ahead of Time

There are many online options to help you compare and minimize hotel and airfare spending, but it can be hard to budget when you’re not sure how much your everyday needs will cost. To solve that problem, search online for local restaurants that appeal to you and check out the menus to get a sense of meal prices. Visit the sites of museums or any other type of attraction you plan to visit to learn about entrance fees. Don’t forget, too, that you may need to rent a car or take taxis or public transportation to get around. Other expenses may include hotel Internet charges, fees for using an ATM outside your own banking network and currency exchange costs if you travel abroad. You’ll probably find yourself buying at least a couple of souvenirs to remember your trip, so add those to your budget, as well.

Read the Fine Print

Are you planning to visit a resort or take a cruise? While you may expect many amenities to be included, it’s smart to find out ahead of time what will cost extra. Hotels may charge for daily parking, for use of the pool or other facilities, or for renting bicycles, jet skis or other water craft. On a cruise, there may be added charges for alcoholic or other beverages and even for dining in certain on-board restaurants. Trips outside of your resort or on-shore cruise excursions may also cost extra, and you’ll probably have to ante up a little more for massages or other spa services.

Consider Ways to Cut Costs

Once you learn what expenses to expect, how can you keep a lid on them? If your hotel does charge a daily Internet fee, try to plan your usage so that you don’t need to get online as often or search for cafes or other locations with free wireless. If you’re flying, find out about baggage or other added fees and try to pack light to avoid them. To lower meal costs, seek out a hotel that offers free breakfast, cocktail hour or other great meal deals.

Get Settled

If you’ll be away for a week or more, check out online sites that specialize in short-term apartment rentals. You may find accommodations that are no more expensive than a hotel, but you will be able to make yourself some morning coffee, keep a stash of water bottles or soda and whip up a quick meal if you want instead of paying for a restaurant.

Think About a Staycation

The most effective way to save money is to have some fun right in your own backyard. If you’re dreaming of a vacation that will bring the family together, could you have the same fun by spending the day at a local amusement park or taking a day trip to the beach or a state park? If your budget is tight, remember that it may be possible to get a break without leaving home.

Turn to Your Local CPA

No matter what type of financial questions you’re considering, remember that your local CPA can help. He or she can offer the insights and advice you need to make the best decisions.

About TSCPA

TSCPA (http://www.tscpa.org) is a nonprofit, voluntary, professional organization representing Texas CPAs. The society has 20 local chapters statewide and has more than 27,000 members, one of the largest in-state memberships of any state CPA society in the United States. TSCPA is committed to serving the public interest with programs that advance the highest standards of ethics and practice within the CPA profession.







Student Debt Crisis Continues to Cloud Graduation Celebrations: Financial Principles Advisors Offer Tips for Paying Off and Reducing Loan Burdens

Fairfield, NJ (PRWEB) May 28, 2014

With high school and college graduation season under way, it’s time to consider how to get a handle on student debt – a phrase that has become tantamount to “higher education.”

College costs have been rising faster than inflation for years and two-thirds of recent bachelor’s degree recipients now have outstanding student loans according to a Pew Research Center report, with an average debt of about $ 29,400 reports the Institute for College Access and Success. That is about $ 1.1 trillion in American student loan debt, causing concern for not just graduates, but for the overall economy, as well.

“Whether your student is graduating this year or just heading off to college, student debt is a reality for today’s families,” says Brad Bofford and Mike Flower, managing partners of Financial Principles in Fairfield, NJ.

Due to accruing interest, Bofford warns that loans often end up larger than expected making it in a borrower’s best interest to pay them off quickly. “Time is not your friend when it comes to debt, so the sooner you pay, the less you pay in the long run,” Bofford advises. “But of course, if you can find a way to pay for college without taking out any loans, you’ll be that much further ahead of the game at graduation.”

After College: Get a Plan to Pay off Debt Fast

The average federal student loan takes around 10 years to pay off after graduation, according to the Consumer Financial Protection Bureau. “That can seriously hamper a graduates ability to buy a house or save for retirement,” says Bofford.

Although most lenders give students a six-month grace period following graduation before they must make their first payment, Bofford urges graduates to prepare to repay loans early by doing the following:


    Determine who owns your loan and exactly how much you owe them.
There are basically two types of student loans; federal and private. To get all the details about your federal loans visit the National Student Loan Data System, the Department of Education’s database for student aid which collects data from schools, guaranty agencies, the Direct Loan program, and other Department programs.

“Student can typically find information about their loans on their credit report,” explains Bofford. “The AnnualCreditReport.com is good place to start your search.”

    Start repayment early and pay on time.
Most student loans offer a six-month grace period after graduation before payments must begin. However, there isn’t always a grace period on accrued interest, so if payments can begin earlier, then the overall loan bill will be lower. The amount of the monthly payment also impacts total costs.

“If you have multiple loans, determine which one has the highest interest rate and get that paid off first,” says Bofford.

Making payments on time each month have the added benefit of helping establish good credit scores, improving eligibility for future home or car loans, and possibly lowering interest rates.

“But most importantly, do not ignore the situation and risk defaulting on your loan,” warns Bofford. “Your wages can be garnished, tax refunds and Social Security benefits can be withheld, your credit score will crash making it very difficult to buy a house and your ability to secure a new job could even be impacted.”

    Participate in retirement savings when appropriate.
While paying off student loan debt is priority number one, graduates fortunate enough to secure a job after school that offers a 401k or a similar retirement savings plan should consider participating – especially if there is an employer matching program. “Employer contributions are essentially free money which shouldn’t be left on the table,” says Bofford.

Bofford first recommends reviewing income and expenses then choosing an affordable amount to set aside each month for direct deposit into a retirement savings account. “Even if you can only afford $ 25.00 per month at first, you’ll have established a good saving habit and can more easily increase that amount over time.”

Before College: Lessen the Loan Burden

Since college costs can lead to financial strain well past graduation, Flower stresses the importance of preparing early in order to reduce the amount of loan costs needed in the first place. He offers the following planning tips:

    Save Early and Often
Parents and grandparents have several college savings options to help their student, including State 529 Plans, Coverdell Education Savings Accounts, and traditional and Roth IRAs. “Many offer tax advantages, however not all plans are equal, even among the state 529 plans, so read the terms carefully and compare your options,” says Flower.

Families anxious to help their student are advised not to forgo their own retirement savings in order to provide college tuition. “Student loans may not be ideal, but remember, no one is going to give you a loan to retire,” says Flower.

“Talk with your high school students about how much you can afford and how much they will be responsible to carry in the form of scholarship, their own savings or loans,” urges Flower. “Don’t spring it on them after they have their heart set on a particular school.” Online research and conversations with a school counselor can help narrow the search to qualifying scholarships and more affordable schools.

Students can put some skin in the game. Working throughout high school and college not only helps save for education costs, it often opens doors to additional funding options such as employer-based scholarships and other scholarships designed specifically for working students.

    Thoroughly Research Financial Aid and Loan Options
Parents are advised to investigate their children’s merit and needs-based financial-aid prospects well in advance of selecting a school. Merit aid eligibility increases when students keep their grades up and take academically challenging courses.

Stafford, PLUS and Perkins are student loans commonly offered through school financial aid packages. Federal student loans usually offer fixed interest rates and repayment plans based on income. Some don’t begin accruing interest until the student graduates and interest on federal loans are often tax deductible, which can save some money down the road. To be considered for a federal loan, start by completing the Free Application for Federal Student Aid (FAFSA).

Because the terms of various loans can vary greatly, the Loan Comparison Calculator at Finaid.org is available for a comparison of loan options.

“Keep in mind that if your school aid package includes a loan with disagreeable terms such as a very high interest rate, you are free to decline that portion of the package,” explains Flower. “And don’t stop investigating scholarships once you begin school. There are many available to current students throughout their college career.”

    Make fiscally responsible decisions when selecting a school.
Staying in state – even for just a year – or returning home for graduate school, can greatly improve bottom line costs. “Many students attend two-year community college while living at home in order to save,” offers Flower. “Just be sure the credits will transfer when you continue on to a four-year university.”

Earlier this year, the Obama administration proposed a new federal college ratings system based on how well schools perform in such areas as affordability, graduation rates and post-graduation job placement. Although the proposed system is currently being debated, this kind of system could impact the amount of financial aid certain schools have available to offer their students in the future.

“One of the best strategies for achieving financial security is to live debt free,” says Flower. “So don’t wait. Plan, save and repay any loans as early as possible.”

About Financial Principles, LLC

Financial Principles understands the importance of planning – whether it’s for retirement, saving for college or protecting your estate and legacy. Two senior partners, Bradley H. Bofford, CLU, ChFC, CFP® and Michael A. Flower, CFP® bring a combined 40+ years of financial services experience to their clientele. Both are recognized as qualifying life members of the prestigious Million Dollar Round Table, “The Premier Association for Financial Professionals®”. Bofford and Flower have contributed to articles in several leading trade publications including Investment News, Financial Advisor, and Research magazine, as well as consumer outlets such as BusinessWeek, Money and New Jersey Business magazine. Learn more at http://www.financialprinciples.com.

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DISCLOSURE:

Securities offered through Securities America, Inc. Member FINRA/SIPC. Bradley H. Bofford, CLU, ChFC, CFP® and Michael A. Flower, CFP® are Registered Representatives. Advisory services offered through Securities America Advisors, Inc. Bradley H. Bofford and Michael A. Flower are Investment Advisor Representatives. Financial Principles, LLC and Securities America, Inc. are not affiliated.

Written by Brad Bofford and Mike Flower, Securities America, Inc. Registered Representatives, in conjunction with Impact Communications.

The opinions and forecasts expressed are those of the author and may not actually come to pass. This information is subject to change at any time, based on market and other conditions and should not be construed as a recommendation of any specific security or investment plan.







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10 Best Tips on Online Safety, a Guide Released Today by NoBullying


London, UK (PRWEB) March 20, 2014

From all appearances, the Internet seems harmless with its vast store of information that is accessible by anyone. This fact alone makes the Internet a perfect target for criminals. Criminals with the mindset to steal your money or your identity exploit the fact that the Internet does indeed seem innocent and friendly. In reality, nothing could be further from the truth. While it is true the Internet is a huge benefit to mankind, it is not a friendly place if you let your guard down. Today, NoBullying releases a guide to 10 Best Tips on Online Safety.

The tips include ways to fight off Malware, and tips on using Antivirus and firewall programs as well as ways to correctly download free software as well as a guide to drive-by downloads.

Macartan Mulligan, Co-Founder of NoBullying.com, said “It is essential for parents and educators to learn those online safety tips to make exploring the cyber world a much easier safer experience for our children.”

He added that parents and teachers should make a point to educate the younger generations about the sad outcome of bullying online and off line. According to Mulligan, it is quite imperative to press for more firm laws condemning all acts of bullying and harassment.

NoBullying features many pages dedicated to parents, teens, teachers, health professionals as well as posts related to cyber safety and the latest news about law making concerning curbing Bullying worldwide as well as inspirational Bullying Poems and Bullying Quotes.

The website makes a habit of updating its bullying statistics and cyber bullying statistics regularly because it is essential to understand how widespread the bullying epidemic is.

He also added that anyone suffering from bullying in any form or way can always reach out to the team of NoBullying and they will be given advice on how to stand up to bullying or protect themselves online.







CookingSchools.com Reveals 3 Tips for Cooking Healthy Cuisine

Bohemia, NY (PRWEB) February 20, 2014

CookingSchools.com, an online directory of culinary schools, offers three tips on how to improve healthy cooking skills.

According to a February 6th article posted on Frugal Family Favorites titled “5 Quick Cooking Tips for Healthy Meals,” eating high quality, low calorie meals is important to maintaining a happy and healthy lifestyle. However, sometimes it may be hard for people to cook healthy meals, especially if they are inexperienced.

Andrew Girard, a representative for CookingSchools.com, offers advice to beginner cooks and people who want to eat healthier. “Even the most inexperienced chef can cook healthy,” he says. “While it may be easier to pop a premade meal into a microwave, it’s typically not that healthy. The best way to maintain a healthy lifestyle is to cook. Cooking light promotes using simple, fresh ingredients and less fatty or sugary products. By following these three tips, you can ensure that you cook healthy and stay healthy.” While the article provides five ways to improve healthy cooking skills, Girard discusses the three most important tips.

1. Plan meals in advance. “By planning in advance, you can prepare your vegetables and other ingredients all at once,” Girard says. “This saves time and saves you from wasting vegetables and other important ingredients.”

2. Make meals from scratch. “Not only do homemade meals taste better, but they are generally less expensive,” he says. “By making your meal from scratch, you save money at the grocery store while eliminating preservatives and other negative ingredients abundant in pre-packaged foods.”

3. Cook a few meals at a time. “Cooking healthy takes a little more time to prepare,” he says. “If you cook a few meals at once, you can save time later by simply reheating your meals. Foods like soup and salads are easy to heat up or prepare quickly if made in advance.”

For couples or individuals who want to learn more about cooking and the culinary arts, Girard suggests taking a cooking class. “The easiest way to improve your healthy cooking skills is by going to culinary school. CookingSchools.com is the easiest way to find culinary schools that best fit your needs.”

CookingSchools.com is the leading source for information on culinary degrees, culinary schools and cooking programs. Maintained by Monster.com, a popular resource for job seekers and employers, CookingSchools.com helps prospective chefs, teachers, restaurant managers and culinary students find schools, jobs, and programs best suited for their needs. CookingSchools.com is an affiliate of ArtSchools.com, a similar directory featuring the top art schools.







Three Tips to Your Greatest Business Opportunity

It’s not uncommon to run across Internet ads that offer people a business opportunity. However, how are you to know which one is the best for you? Actually, there are three ways you can determine if a business opportunity is true for you.

Tip 1 – You Can Make Money With The Business Opportunity

You always want to go with a business opportunity that is going to make you money. Keep in mind that the majority of start up businesses will fail within five years; usually because of monetary funds or no knowledge of the business, whether it’s because the person isn’t acquainted with running a business or isn’t acquainted about the business type chosen.

It would seem that people would need the knowledge of their business type or running the business especially if they want to succeed and make money. After all, you have to subtract your income from the expenses to come up with your overall profit. If you find your business is not making a profit, you’ll be closing the doors and turning off the lights on it.

Tip 2 – Work In A Field That You Love

It’s always good to find a business that you actually have expertise in and love to do. For instance, you love to write. Maybe you can work as a writer at a newspaper or freelance writer. People fear that someone will take their money and run. This is especially true if you decide to open a car dealership or repair shop.

With the advent of the Internet, anyone can begin a business doing any number of things. For instance, you love to grow flowers and other things. Use the passion you have for gardening in conjunction with Internet marketing so that you can put together a website that will give people tips on how to garden.

Where you reside at in the world can help you localize your information.

What is affiliate marketing? You’re a salesperson for a company who is trying sell their product. Many companies will work with marketers like this. If you do a little research, you can find companies who will compensate you to market their gardening produce. Remember that gardening is only one of the many business opportunities that you can get into.

Tip 3 – Money and Time To Begin Your Business Opportunity

Anytime you have a business opportunity, make sure you’ve got the money and the time to help you out. It’s important that you have both time and money when you’re trying to get a business off the ground.

If you know you don’t have the money to go full-time, work part-time so that you can build up your savings. You can always outsource any projects you have so that you don’t have to do it all alone.

When you have a business opportunity, use the three tips above to make that business venture successful.

Dillon Loh is an internet entrepreneur. He is passionate in his work. His passion is to help others to achieve what they desire. He believes in learning from others by helping them to succeed. Get the free tips of the success in Make Real Money on the Internet Book now!

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InsuranceFishing.com Shares Three Tips on How to Pick the Correct Home Insurance


Kansas City, MO (PRWEB) February 10, 2014

InsuranceFishing.com, a company that specializes in helping consumers connect with local insurance agents, wants to help shoppers compare insurance quotes and help them get the most out of their homeowners insurance. To do this, they would like to offer the following three tips on how to pick the correct home insurance.

Take Your Time

Just because you can find rates quickly and easily doesn’t mean you shouldn’t take your time doing it. This is your home and you need to make sure you have the best protection possible for the best price.

“Think of it this way,” says Chans Weber, a representative of InsuranceFishing.com. “Quick and easy doesn’t mean you should spend no time on this – what it means is that you can research more efficiently. Instead of finding one rate really quickly, research multiple rates in the amount of time you might normally take. It can save you money and get you the coverage that best fits your needs.”

Stay On Budget

You will be presented with a variety of choices and many will be very appealing, but don’t get outside of your price range. The point of online quote tools is to help you find exactly what you need for exactly the right budget.

“Online insurance quote generators can help you find the right balance of policy and affordability as well as keeping the right balance in your bank account,” says Weber.

Be Savvy

If the deal seems too good to be true, it probably is. Make sure you familiarize yourself with the fine print and if in doubt, stick with an insurance company with a good reputation. When it comes to ensuring your home don’t make risky decisions.

InsuranceFishing.com is one of the premier insurance rate quote comparison sites in the Midwest. Visit the website for all of your Kansas City auto insurance, Kansas City car insurance, Kansas City renters insurance and Kansas City homeowner’s insurance needs.

For more information, visit insurancefishing.com.

About InsuranceFishing.com

InsuranceFishing.com is a one-stop website that quickly and easily connects consumers with live local insurance agents, so they can get the best possible rates and coverage on all of their car, rental and homeowners insurance needs. There is no cost to access the website and no registration is required.