How To Start A Photography Business – Knowing When You’re Really Ready And Knowing Other Differences

Here’s a question: How do you know when you’re ready to start a photography business? Answer: When you ‘know’ that you ‘know’ (the doublespeak is for emphasis) the difference between your artistic photography skills and your understanding of business. Knowing the difference makes the difference between success and failure when you start any type of business, for that matter.Tip #1Think about it, the art of taking pictures is getting easier and easier – especially with the advancement of technology. Digital technology has made photography so easy that it appears that everybody and their brothers and their sisters are photographers! Such ease makes photography a very popular attraction and very compelling to start a photo biz.But, what many budding photographers fail to realize and take seriously is that: Business is Business. Whether selling teddy bears, cell phones or photography, the business principles are the same. And they are basic and simple (not easy – simple). Successful photographers aren’t necessarily the most skilled. They understand and practice the basic and simple principles of running a photography business. They also don’t confuse the quality of their photography with the need to plan, market and operate their photography business.Don’t be confused! You must consistently produce top-notch quality products and photographic services. Constantly improving your skills is critical. So is the learning and consistent practice of business principles. If you don’t consistently practice the necessary business principles, budding photographers that do know the difference and practice the principles will get the customers and the business that should be yours. If you fail to practice the principles you will fail at your photography business attempts. Period. You will be another charter member of the ‘starving artist’ club! There’s a reason why they’re ‘starving!’

Once you do start a picture-taking business, every day that you’re in business there’s opportunity to grow and prosper, and the chance to stagnate and fail. Your being clear on the difference between photography practices and business practices determine the success of your photography business more than your photographic skills and talents. Be sure to spend as much time developing your photography skills as you do your business (marketing, self-promotion activities, for example) skills and you will find success.Compliment vs Reality – Tip #2Most budding photographers have this experience: a good friend, family member or neighbor sees a photograph and ‘raves’ how good it looks and how ‘valuable’ it ‘should’ be! Somewhere in their raving they proclaim, “you should sell that, you’ll probably make a lot of money!” Red flag warning! What is given as a compliment of your photograph is instantly translated to your having a “diamond” that you can sell and that will change your ‘status’ in life. Here’s a test: the next time you receive such a ‘compliment,’ do this: thank them and then ask them how much are they willing to pay you for the photo? I promise you that the same ‘expert’ that just raved about your valuable artwork will pass on the ‘opportunity’ to grab up your ‘valuable’ artistic photo. In the photography business value is determined by other criteria than a compliment or two. Knowing the difference contributes to your success in business.Develop your knowledge and skill and your confidence as a photographer will dramatically increase. Likewise with business: develop and practice basic business principles and your confidence as a successful professional photographer will dramatically increase. I promise.Research Builds Confidence – Tip #3Do your research. Go online and read the available research on the business of photography. Read before you buy. Online research is just a click away. Take your time. Take advantage of free and easily available information online. If you choose to buy something offered, determine what goals you want to accomplish and ask yourself will what you’re buying help you to really meet your goals. Avoid the resources that promise and guarantee you that you can make $200 – $300 a day overnight – for obvious reasons. Also, there are no “secrets that the pros don’t want you to know!” There is information that you do not know now. But, isn’t information that is unknowable or impossible to find out – they’re just unknown to you at this time. Do your research. Besides, if they’re for sale, how “secret” can they be? Do your researchIn the business of photography, it is more profitable to specialize. Specialization (also referred to as your “photography niche”) is how your customers will find you. Another development of technology is how customers – those who can afford and are willing to spend money for photography – find the photography that they buy. They look for something specific (in photographer speak that means “photography niche”). Go online and do a search on “photography niche” and take advantage of the information available. Remember, read before you buy; there are no “secrets that the pros don’t want you to know;” and great photography does not sell itself. In the world of business, nothing does.For business purposes, go online and do a search on different business topics that you want more information about. For example, do a search for “photography marketing” or “marketing for photographers” or “amateur photography tips” or “how to sell photos online” or “how to start a photography business” etc. etc. Read before you buy.Know And Start Where You Are And Be ‘Sincere’ – Tip #4

Start where you are with the equipment that you have. If you don’t have a photography studio don’t take on photography jobs that require a studio. Don’t be all things to all people – remember, specialize (research “photography niche” – you’ll be head and shoulders above the majority of your competition). If you feel that you have to purchase equipment to take on a job – that’s a red flag that you’re not ready, yet. In successful photography, the profit is in the “photography niche” and your understanding of that simple difference.Doing your research will prepare you for one of the biggest challenges most photographers have – pricing. The challenge of knowing exactly what to charge stops most of us in our tracks. It shouldn’t! Do your research. Search “photography pricing,” for example. The information is available and most of it is free. Remember, read before you buy.In my opinion, there really is no one criteria needed to start a profitable photo business. However, my experience has convinced me that self-confidence is the most significant asset a photographer in business can possess. You develop that self-confidence by knowing what you know and knowing what you don’t know – and being crystal clear on the difference. Confidence is gained by knowing the necessary criteria needed and knowing that you possess the knowledge and skills to consistently accomplish tasks in a satisfactory manner.Research, develop and practice both your photography knowledge and skills as well as your photography business knowledge and skills.Finally, when vaudevillian, George Burns, was asked what was the secret to his successful career, he responded – “sincerity, be sincere – even if you have to fake it!”

How to Make It As a Fitness Model!

So You Wanna Be a Fitness Model?People that follow my stuff know I generally write about nutrition, supplements, training, and other topics that are more science based than subjective topics, such as what is covered in this article. I decided to shuck my science geek persona, and write on a topic I know will be helpful to thousands of would be and want to be fitness models.As well a known “hard core” science based no BS writer, why I am writing what some will perceive as a “fluff” article? Over the years I have gotten hundreds, perhaps thousands, of gals that ask me via email, letters, or in person “how do I become a fitness model Will? You have been in the business a long time, surly you of all people should know.” I get this from newbies and I get this from women that have been at it a while but have been unable to “break in” effectively.The fact is, I have been in the fitness, health, and bodybuilding biz a long time, and though I am known as a science and nutrition based “guru” type, I have trained many a fitness athlete, and judged fitness and figure/bikini shows for the NPC, Fitness America, Fitness USA, and other federations as well as given marketing and business advice to all sorts of athletes, including fitness models. So, it’s not as far fetched as it might seem that I am going to use this space to cover a non scientific topic, which is, how one goes about being a fitness model.This article will be useful to both experienced and novice types looking to “break in” to the biz. If you are already a professional and successful fitness model, I am sure you may still glean some useful information from this article.First the bad news, there is no one way to become a successful fitness model. There is no single path or magic secret. There are however some key things a person can do to greatly improve their chances of “making it” in the fitness biz as a model, and perhaps using that success as a launching pad to greater things, such as movies, TV, etc.Several of the top fitness models (Trish Stratus and Vicki Pratt come to mind but there are many others) have gone onto careers in entertainment of all kinds. Bottom line, though there is no magic secret to being successful as a fitness model, this article will be about as close to a blueprint for success as you will find.”Do I need to compete?”This is a question I get asked all the time and it’s not an easy one to answer. In fact, the answer is (drum roll) yes and no. The person has to deicide why they are competing in the first place to answer that question. For example, do you need to compete if your goal is to be a successful fitness model?The answer is no. Many of today’s well-known fitness models have never competed, or they competed in a few small shows and it was clearly not part of their success as fitness models. However, competing does have its potential uses.One of them is exposure. At the upper level shows, there will often be editors, publishers, photographers, supplement company owners, and other business people. So, competing can improve your exposure. Also, competing can make sense if you are trying to build a business that is related to your competing or will benefit from you winning a show.For example, say you have a private training gym you are trying to build. Sure, having the title of say Ms Fitness America, or winning the NPC Nationals and being an IFBB pro, will help your reputation and the notoriety of your business. There are many scenarios were it would help to have won a show for a business or other endeavors.On the other hand, it must be realized that winning a show does not in any way guarantee success in the business end (and it really is a business) of being a fitness model. The phone wont ring off the hook with big offers for contracts. Also, it’s very important to realize that it’s common that the 4th or 6th or 8th place finisher in a fitness or figure show will get more press than the winner. Why? Though the winner might have what it took to win that show, it’s often other gals the editor, publishers, supplement companies etc, feel is more marketable.I have seen it many times where the winner was shocked to find she didn’t get nearly the attention she expected and other girls who placed lower have gotten attention in the form of photos shoots, magazine coverage, etc. Something to keep in mind when you ask yourself the important question “do I need to compete and if so, why am I competing?” Answer that question, and you will know the answer to the heading of this section. Winning a title of some sort can be a stepping stone, but it is not in itself any guarantee of success in the fitness industry. It’s like a college degree; it’s what you do with it.Now. If you compete for the fun of it, then by all means go for it, but the above is focusing on competing as it relates to the business aspect of being a fitness model.

Right body, wrong federation?Ok, so after reading the above you have decided you are going to compete, or will compete again. If you don’t plan to compete, you can skip this section. The biggest mistake I see here is so many gals have the right body for the wrong federation. Each federation has its own judging criteria and a competitor will do poorly simply because they didn’t bother to research which show would be best suited for them.I will give you a perfect real world example of this. Recently I judged a show whose criteria for the figure round was the women should be more on the curvy softer side with some tone, vs. being more muscular and athletic with less bodyfat that other federations might allow. At this show one of the most beautiful women I have ever seen came out. She was very proportional, great muscle tone, lean, and athletically shaped with narrow hips and waist and wider shoulders. How did she do at this show? She didn’t even place in the top ten!Why? Because she was not what we were instructed to look for and didn’t fit the criteria. After the show I informed her that she looked great, but this may not the federation for her. I told her she had much more of an NPC type body, where a little more muscle, athletic build, and less bodyfat is rewarded.The following week I was judging an NPC fitness, figure, and bodybuilding show and there she was. How did she do? She won the entire show with all judges voting her number one unanimously.Conversely, if your body type tends to be more rounded and toned, but with a little more bodyfat, wider (but not fat!) hips, you may be better off competing in say the Fitness America Pageants. If you are going to compete:(1) find out exactly what the judging criteria is for that federation and(2) go see those shows as a spectator for several different federations and see which one your physique, style, etc will fit into best.(3) You have to decide if you truly have the athletic abilities to compete in a fitness competition (which requires a routine) or a figure/bikini competition.I often see women who would do well in a figure show but really don’t have the athletic abilities do the routines required to be competitive with other athletes in the show. Some shows will allow you to do both competitions and some wont.Networking 101: dos and don’ts…In so many respects, this is the area that will make or break you in any business, and yet, people in the fitness industry do an amazingly poor job at it. If you don’t network and market yourself properly, you can pretty much forget about having any real success as a fitness model, or a success in virtually any business. For the sake of space, we will stick to fitness.When I first started out, I was a self marketing machine. I could be found at every show I thought might be an opportunity, walking the isles of trade shows, bodybuilding, shows, fitness show, and others. I gave out a zillion cards and I took a million home with me, and followed up on each and every one. I went to as many industry related meetings, outings, parties, etc. as I could get into. I now have the reputation and experience in the industry that I don’t have to go to such a show unless I feel like it, or have meetings, but they were quite helpful in the beginning.I am always amazed at the number of fitness models who contact me who have never even been to the Arnold Classic Fitness Weekend, or the Mr. Olympia, or the trade shows like the NNFA Expo West and others. If you want to make it in the fitness business you sure as hell had better treat it like a business.I have seen many a pretty girl who wants to be a fitness model who thinks if they stand there looking pretty long enough, someone is going to offer to put their face on the cover of a magazine. News flash, there are millions of beautiful women out there and to be noticed, you have to hussle to get that business like everyone else by networking your butt off, or having a good agent (if you can afford such a thing) who is doing it for you.Pick a few major industry shows to attend (some of which were mentioned above) and go to them every year. Have a plan of attack of exactly how you plan to market yourself and network. Many fitness models, bodybuilders, etc see a show as one big party. If that’s you, then have fun at the party, but don’t think you are really marketing yourself as a serous business person or athlete.Another thing that always amazes me is the number of fitness models who either have no business cards, or have some cards they printed up on their bubble jet printer at home! They ask me to help them or what ever and I say “give me your card” and they look at me like “I am so pretty I should not need a card you fool.” This attitude turns off editors, photographers, writers, and industry people faster then if they found out you were really a transvestite. Don’t do it. For every pretty girl out there who thinks the world owes them a favor, there are 100 who are ready to act like professionals.Ever wonder why some fitness model you know is doing better than you are even though you know you are prettier than her? That may be why…never ever go to a show to network without good cards, bios, and professionally done head and body shots you can give to said editors, publishers, photographers, industry types, etc. Don’t stand around looking pretty assuming they will find you, find them first and introduce yourself. And of course it should go without saying you should be in good condition and have something of a tan to look your best.You want to go to the shows and party? Fine, but do it in private after the work is done and don’t make a fool out of yourself at some industry sponsored get together. Hell, I was virtually poured into a cab at last years Arnold Classic after going to a sushi place with some well know industry types and companies owners (you know who you are!) but at least no one saw me! We had our own little private get together after the show to let loose.Let me give you one final real world example of how NOT to market yourself. Last year I was on retainer as a consultant to a mid sized supplement company. The owner of the company asked me if I knew a couple of fitness model types that could work his booth for a trade show. In fact, he requested “unknowns, some new faces people had not seen yet but had real potential to grow with the company.” I went and found him two such gals I thought fit the bill.He offered to pay their flights, room, and food plus a thousand dollars each for the days work. The two girls were told to be at the booth 9am sharp. The night before at the hotel, I saw the two girls getting in a cab at 11pm or so dressed to kill, clearly on their way out to party. The next day they showed up at the booth an hour and a half late and hung over! What was the result of this? (1) it embarrassed me to no end as I had recommended them to the company owner (2) they would never get work from that company again (3) they would never get any work from me again and (4) they would not get a reference from either of us for other jobs.I see this type of thing all the time in the fitness biz, and it’s not limited to fitness models. Amazingly, a few weeks after the show they emailed me and the company owner wanting to know when their next job would be! Amazing…Who loves you baby?If there is one universal truth, it’s that the camera either loves you or it does not. Any professional photographers will tell you this. For some unknown reason, some people are very photogenic and some are not. Truth be known, there are some well known fitness models (who shall remain nameless as they would probably smack me the next time they saw me) who are not all that attractive in person. It’s just that the camera loves them and they are very photogenic, but not terribly pretty in person.Conversely, I have seen the reverse many times; a girl who is much better looking in person than in photographs. Such is the fate of the person who wants to be a model of any kind, including a fitness model. If you find you are not very photogenic, keep working with different photographers until you find one that really captures you well and pay that photographer handsomely!Now, to be bluntly honest, there are also some want to be fitness models who are not “unphotogenic”, they’re just “fugly”! There are some people out there who have no business trying to be fitness models. It does not make them bad people, it just means they need to snap out of their delusions and find a profession they are better suited for, like radio personality….”How do I get in the magazines?”This section sort of incorporates everything I have covered above, and adds in a few additional strategies. For example, as I mentioned before, competing in fitness shows and or figure/bikini shows can increase your exposure, thus getting the attention of some magazine publisher or photographer. Networking correctly at the various trade shows may also have the same effect, and of course having a good portfolio done by a photographer that really captures your look, a good web site, etc., will all increase your potential for getting into the magazines, or getting ad work, and so on.However, all of these strategies are still somewhat passive versus active in my opinion. It’s still the fitness model waiting to be “discovered.” As far as I am concerned, waiting is for bus stops and pregnancy tests. Success waits for no man…or woman as the case me be. So, after all the above advice is taken into consideration as having an added effect to getting you magazine coverage, what else can be done?For one thing, you should read and be familiar with all the magazines you want to be in so you know who is who and what the style of the different magazines are. I can tell you right now, if say the Editor-in-Chief of a good sized fitness or bodybuilding publications and says “hi, I am the Bob Smith what’s your name?” and the fitness model has no idea who Bob Smith is, Bob will not take kindly to that. Why should he? You should know who the major players are in the publications you want to be seen in. He is doing you the favor, not the other way around. You should know who the major players are and actively seek them out, don’t wait for them to “discover” you.

If you look at the masthead inside any magazine, it will tell you who the publisher is, who the Editor-in-Chief is and so forth. The mailing address for that magazine, and often the web site and email, can also be found. What is to stop you from looking up those names and mailing them your pictures and resume directly? Nothing, that’s what. If you see a photo spread you think is really well done, what is to stop you from finding out who the photographer is and contacting them directly and sending them your pics? Nothing, that’s what.My point being, you want a get a break in the business, make the break, don’t sit there thinking it’s looking for you, because it’s not. Be proactive, not reactive! Luck is the residue of design. Be successful by design. As my older brother used to say to me as a kid when I told him I was too scared to ask out a pretty girl “what’s the worst that can happen Will? All she can say is no.” That’s the worst that can happen to you also.Beware of web idiots, schlubs, morons, perverts, scum bags, and sleazoids!This part is sort of self-explanatory but worth mentioning. As with all industries that deal in entertainment based media (e.g., television, theater, modeling, etc.), the fitness industry attracts its far share of web idiots, schlubs, morons, perverts, scum bags, and sleazoids, to name just a few.There is also the class of person known as the schmoe, but we will leave that for another place and time. Point is you want to meet the right people while not getting involved with that group of worthless types who will only drag you down, delay you, or just flat out screw you up and over.For example, a guy comes up and says he wants to “shoot you” for the magazines, but what do you really know of this guy? He has a camera and some business cards, so that makes him a photographer right? Wrong! If someone want to shoot you and they are not a well-known name (and you should know who the well known photographers are because you researched that already!), find out who they are. Do they have references you can call? Girls you can contact he has shot before and were happy with the work? What magazines has he published in? Does he do it professionally or as a hobby? That type of thing.Another thing I see is the big web scam. I’m amazed how many girls get scammed by these web idiots. Lesson here is you get what you pay for, so when some person wants to build you a web site for free, you are getting what you pay for. Yes, there is good money to be made on the ‘net, and the net can be great for marketing yourself and making contacts, but most of it’s a scam.You are better off paying a good web designer and web master who has experience with other fitness model types and has references you can talk to. I can’t tell you the number of girls who have been screwed over by some internet thing that went to hell, like the “fan” who volunteers to build a free web site and either runs off with any money made from the site or puts their picks on porn sites and any number of other things that made them regret like hell ever agreeing to the site in the first place.Clearly, I can’t go down the list of all the possible pitfalls of the web idiots, schlubs, morons, perverts, scum bags, and sleazoids out there to be found in the entertainment business, but you get the idea. Be careful!Conclusion.Well that pretty much concludes my down and dirty guide to the basics of “making it” as a fitness model. Of course there are tons of business related issues I could cover and tricks I could give, but the above is the best advice you are going to find in s small space and will do more for you-if properly followed-than you may realize.Good luck and see you in the magazines!More articles like this at:FIGURE/FITNESS MARKETING EXPLAINED

Home Improvement – Furniture

When we think of home improvements, visions of saw dust and sheet rock come to mind. We try to avoid these things as long as possible because it requires lots of time and effort. Many times large cash outlays are also required. We never think of improvements we can make in our home by simple changes in our living quarters. These improvements are rather easy and most can be done in a weekend. We throw out stale bread, stale pastries and stale coffee but we hang on to stale furniture until it falls apart. We never get around to replacing the look that we loved several years ago. If you are like me, I never know where to start. It seems everything needs changing. We couldn’t do it all at once so we picked a room and jumped right in.

Our living room seemed the right place to start. I really didn’t want to drive all around town looking through furniture stores. Most stores had the same tired selections and the styles were pretty similar. We wanted something different. The internet seemed a good place to start looking. I was surprised at the wide selection of furniture I found online. The pictures looked great and the prices were in line with the stores. My question was is the quality of the furniture up to my standards? From experience, I learned long ago to never forsake quality for price. Surprised, I found most web sites offered my money back if I was not happy with the purchase for any reason and the shipping was free. With that, I felt secure and started seriously looking.The problem with the old furniture, other than being old, was it seemed to crowd the room. We wanted more open space and decided to look at smaller pieces and place them at different angles. A few inches will make a big difference in a room. Many fabrics and styles were available in a multitude of colors. The anchor pieces, sofa and loveseat, was our first purchase. We then chose a coordinating accent chair that really made the room look fresh and new. With childhood excitement, we picked the occasional tables and other accessories to finish off the room. We did all this from the comfort of our home and a single web site. No driving around town looking and looking and looking. We saved time and money with comfortable internet shopping.

Our purchase arrived on time and in perfect condition. We were delighted with the style and quality of the furniture. After attaching a few legs we moved the magic inside. That fresh new look had entered our home and wow what a difference. Our home improvement was complete, all we have to do now is sit back with a cool drink and enjoy. We have just what we wanted. A little different ambience that makes this comfortable room truly us. Home improvements inside can be fun and you don’t have to drive a single nail.

Opting Efficient Computer Repair Services

With the development of internet, world has become a compact place to live in. Computer has become so indispensable for us that the concept of life is now incomplete without it. It is the most sophisticated machine with least reliability as you might never know when it could incur a problem. It has now become necessity almost in fields of life. No matter, you are a teacher, student, business person or an employee, you need to use computer in some respect. Where internet has transformed the world into a global village, on the other hand it has also affected the security of computer systems. The risk of technical faults has drastically increased with the threats of Trojans, worms and spywares. You never know when, with a downloaded file, the Trojan may enter in your computer and destroy the whole system. To cope up with these threats, you need a computer repair service provider that can help you in the hour of need.

Being the third richest state of America, New Jersey has to invest more on computer repair services. Just the diagnostic charges are from minimum $35 to maximum $140. Apart from prices, the computer repair services offer high technology diagnostic and repairing facilities. New Jersey computer repair services offer solutions for the removal of viruses, server repairing, inhibiting file sharing, windows troubleshooting and data recovery. It also offers installing facilities like software installation, DSL modem and router installation, laptop and server installations etc. Moreover, virus prevention, workstation data transfer, network configuration and desktop installations are also offered.New Jersey computer repair services provide facility of both on-site and off-site repairing. In on-site repairing, the service provider sends its workers on site and repairs the computer at your place. This facility is mostly required for wired PCs and workstations. In off-site repairing, they take your PC with them and after repairing bring it back and affix it at its place. Now, the decision depends upon your trust on the service provider. If the repairing requires 5 to 6 hours and the faulty computer belongs to your office then it would be better to send the computer to company but if it isn’t the case then you should prefer on-site repairing.If you know how to maintain your computer, you may not need any repair soon. Firstly, you need to follow some tips in order to save your computer from damage. You should have registered antivirus, must take frequent backups of your data and if you have accidentally lost your data, consult with some professional so that the data can be restored.

Now, the question arises how to find a deft technician in New Jersey who would also charge reasonably. For it, you should consult with your friends and family first. You should also consult Better Business Bureau, read online reviews of people about New Jersey computer repair service providers, call them to ask about their fees and then compare overall costs. Select the best option with fine services in fewer expenses.Some companies in New Jersey also offer additional free services along with the required one such as virus and spyware scan and removal, removal of unnecessary files and folders that slow down your system, and back-up of all data.. Keep these details in mind while looking for a computer repair service in New Jersey in order to get the best service at exorbitant rates.

Healthy Competition In Team Sports Teaches Life Skills

The word “competition” brings to mind images of athletes or sports teams striving to do their best and working hard to accomplish significant goals. For most of us, achieving goals and enjoying life is at least partially dependent on working together and getting along with others. Many of these essential relational skills are learned in the developing years as children move from childhood through adolescence and into adulthood. Given the importance of these key life skills, our society would benefit greatly by ensuring that kids are provided with ample opportunities for working together and getting along with people. Such relational skills can be effectively taught (and caught) in the context of an organized sports program.It seems that kids are born with an innate sense of competition and a desire to win. Our society, schools, and sports programs all cater to this inclination to compete with various games and challenges. Such challenges have been a part of human society from the beginning, and this competition develops a number of important skills for use throughout life.As an example, the desire to be the champion and top dog often pushes people further than they would choose to go on their own. This dogged determination to win is what drives Olympic athletes, CEOs, and many leaders to attain to lofty positions. However, the downside of unchecked competition is that negative traits including roughness, a domineering attitude, and unsportsmanlike conduct can develop and can take over a person. Such negative traits can be very harmful, and if not kept in check, can lead to damaged and broken relationships.

This danger for unguided winners to develop poor attitudes is precisely the reason we should encourage children to get involved in team sports programs and other organizations where healthy competition is encouraged and promoted. It is often within these organizations that essential life skills are taught and where the development of proper attitudes can be nurtured.By participating in organized team sports, kids can begin to truly experience the thrill of winning and the pain and discouragement of defeat. By experiencing these emotions in the context of their sports community, children can begin to understand the roots of their emotions and how their emotions can affect others. In addition, parents and coaches can observe how kids react and can provide encouragement and guidance as needed when and if inappropriate behavior and reactions are observed.Within the context of an organized sports program, a skilled coach can help and encourage the winners to revel in the victory, and yet do so in a way that does not put down the losers. In fact, if the kids on the winning team can learn how to reach out and encourage kids on the losing team, they have learned an extremely valuable lesson that will serve them well throughout their lives. In the same way, the losers must learn the essential skill of losing well and not withdrawing in self-pity or lashing out at the winners, their teammates, or their coach. Winning and losing are a continual part of life, and developing key skills to cope with victory and loss will go a long way in helping young people cope effectively with the ups and downs of life.In developing life skills, there is a significant difference between team sports such as basketball, baseball, and soccer and individual sports such as tennis and racquetball. Individual sports typically focus on developing the competitive side of an individual, but organized sports programs can teach so much more. On a team, the children learn to work together to accomplish things that they could never do on their own. In addition, the coach can provide encouragement and direction, and the kids themselves can encourage each other when they are down. On a team, kids can also develop the confidence to try new things that they might otherwise not try. Such an encouraging and supportive environment is rarely found in an individual sport, but can be commonly found on sports teams. Out of necessity, teams learn to work together to accomplish mutual goals and such skills will help carry them through life and work.

In summary, the competition and cooperation that occurs in organized sports programs can be very healthy and helpful for developing essential life skills. In a well-run program, team sports encourage children to work together, encourage one another, and get along with others. A quality and gifted coach can develop these skills in children, and our children would be well-served into adulthood and our society would benefit by having these skills engrained into our children’s character.

Outdoor Activities For the Family

Spending time outdoors enjoying family activities with your children is one of the best ways to pass a day. There are fun family outdoor activities that you can take part in year round. Doing things with your children in this way offers unique opportunities to communicate and reconnect while also having fun.Planning fun family outdoor activities takes a little preparation. It’s best to talk with your family and find out which activities they would enjoy, then plan outings accordingly. Medical conditions have to be a consideration also. A child with allergies probably won’t enjoy a walk in the woods as much as the rest of the family. You have to take everything into account so the whole family enjoys the activity.

There are quite a few outdoor activities to choose from. Here are some you might want to consider:o Boating: If you do have a family member with allergies, you might consider boating as an outdoor family activity. With boating you don’t have tree and flower allergens to deal with.o Hiking: Going for a hike is a great outdoor activity for the whole family. You can take traditional hikes in the woods of your local state parks, go to military parks and use the hike as an educational tool, or even go to botanical gardens and caves for day hikes. Hiking is an activity that you can partake in most any time of the year if your state doesn’t have bad winters. Just make sure you and your children have the appropriate clothing and gear.o Swimming: A day spent swimming at the lake is probably the ultimate fun family outdoor activity. Children love splashing around in the water, and going to the lake is usually a fairly inexpensive activity which is good for your wallet.o Fishing: Get the kids and the fishing gear together and head out to catch the big one. Fishing is a sport that everyone can enjoy. They even have pink fishing poles for little girls these days to make them more interested in the activity. Fishing offers great opportunities for reconnecting for the whole family. Sitting on the creek bank, or in the boat, waiting for the fish to bite, is the perfect time to ask about each other’s day.

o Skiing: During the winter months the family can go skiing together. Everyone can start out on the bunny slopes together while they learn the ropes. Being on top of the mountain and looking out at the vast horizon and beauty surrounding you is one of the best feelings in the world.Those are just a few ideas to get you started. There are numerous outdoor activities that families can enjoy. Being together is the most important thing. Spending time doing fun family outdoor activities will improve relationships, develop bonds that last a lifetime, and keep everyone active. Make outdoor family activities a part of your life.

Insurance Law – An Indian Perspective

INTRODUCTION”Insurance should be bought to protect you against a calamity that would otherwise be financially devastating.”In simple terms, insurance allows someone who suffers a loss or accident to be compensated for the effects of their misfortune. It lets you protect yourself against everyday risks to your health, home and financial situation.Insurance in India started without any regulation in the Nineteenth Century. It was a typical story of a colonial epoch: few British insurance companies dominating the market serving mostly large urban centers. After the independence, it took a theatrical turn. Insurance was nationalized. First, the life insurance companies were nationalized in 1956, and then the general insurance business was nationalized in 1972. It was only in 1999 that the private insurance companies have been allowed back into the business of insurance with a maximum of 26% of foreign holding.”The insurance industry is enormous and can be quite intimidating. Insurance is being sold for almost anything and everything you can imagine. Determining what’s right for you can be a very daunting task.”Concepts of insurance have been extended beyond the coverage of tangible asset. Now the risk of losses due to sudden changes in currency exchange rates, political disturbance, negligence and liability for the damages can also be covered.But if a person thoughtfully invests in insurance for his property prior to any unexpected contingency then he will be suitably compensated for his loss as soon as the extent of damage is ascertained.The entry of the State Bank of India with its proposal of bank assurance brings a new dynamics in the game. The collective experience of the other countries in Asia has already deregulated their markets and has allowed foreign companies to participate. If the experience of the other countries is any guide, the dominance of the Life Insurance Corporation and the General Insurance Corporation is not going to disappear any time soon.
The aim of all insurance is to compensate the owner against loss arising from a variety of risks, which he anticipates, to his life, property and business. Insurance is mainly of two types: life insurance and general insurance. General insurance means Fire, Marine and Miscellaneous insurance which includes insurance against burglary or theft, fidelity guarantee, insurance for employer’s liability, and insurance of motor vehicles, livestock and crops.LIFE INSURANCE IN INDIA”Life insurance is the heartfelt love letter ever written.It calms down the crying of a hungry baby at night. It relieves the heart of a bereaved widow.It is the comforting whisper in the dark silent hours of the night.”Life insurance made its debut in India well over 100 years ago. Its salient features are not as widely understood in our country as they ought to be. There is no statutory definition of life insurance, but it has been defined as a contract of insurance whereby the insured agrees to pay certain sums called premiums, at specified time, and in consideration thereof the insurer agreed to pay certain sums of money on certain condition sand in specified way upon happening of a particular event contingent upon the duration of human life.Life insurance is superior to other forms of savings!”There is no death. Life Insurance exalts life and defeats death.It is the premium we pay for the freedom of living after death.”Savings through life insurance guarantee full protection against risk of death of the saver. In life insurance, on death, the full sum assured is payable (with bonuses wherever applicable) whereas in other savings schemes, only the amount saved (with interest) is payable.The essential features of life insurance are a) it is a contract relating to human life, which b) provides for payment of lump-sum amount, and c) the amount is paid after the expiry of certain period or on the death of the assured. The very purpose and object of the assured in taking policies from life insurance companies is to safeguard the interest of his dependents viz., wife and children as the case may be, in the even of premature death of the assured as a result of the happening in any contingency. A life insurance policy is also generally accepted as security for even a commercial loan.NON-LIFE INSURANCE”Every asset has a value and the business of general insurance is related to the protection of economic value of assets.”Non-life insurance means insurance other than life insurance such as fire, marine, accident, medical, motor vehicle and household insurance. Assets would have been created through the efforts of owner, which can be in the form of building, vehicles, machinery and other tangible properties. Since tangible property has a physical shape and consistency, it is subject to many risks ranging from fire, allied perils to theft and robbery.
Few of the General Insurance policies are:Property Insurance: The home is most valued possession. The policy is designed to cover the various risks under a single policy. It provides protection for property and interest of the insured and family.Health Insurance: It provides cover, which takes care of medical expenses following hospitalization from sudden illness or accident.
Personal Accident Insurance: This insurance policy provides compensation for loss of life or injury (partial or permanent) caused by an accident. This includes reimbursement of cost of treatment and the use of hospital facilities for the treatment.Travel Insurance: The policy covers the insured against various eventualities while traveling abroad. It covers the insured against personal accident, medical expenses and repatriation, loss of checked baggage, passport etc.Liability Insurance: This policy indemnifies the Directors or Officers or other professionals against loss arising from claims made against them by reason of any wrongful Act in their Official capacity.Motor Insurance: Motor Vehicles Act states that every motor vehicle plying on the road has to be insured, with at least Liability only policy. There are two types of policy one covering the act of liability, while other covers insurers all liability and damage caused to one’s vehicles.JOURNEY FROM AN INFANT TO ADOLESCENCE!Historical PerspectiveThe history of life insurance in India dates back to 1818 when it was conceived as a means to provide for English Widows. Interestingly in those days a higher premium was charged for Indian lives than the non-Indian lives as Indian lives were considered more risky for coverage.

The Bombay Mutual Life Insurance Society started its business in 1870. It was the first company to charge same premium for both Indian and non-Indian lives. The Oriental Assurance Company was established in 1880. The General insurance business in India, on the other hand, can trace its roots to the Triton (Tital) Insurance Company Limited, the first general insurance company established in the year 1850 in Calcutta by the British. Till the end of nineteenth century insurance business was almost entirely in the hands of overseas companies.Insurance regulation formally began in India with the passing of the Life Insurance Companies Act of 1912 and the Provident Fund Act of 1912. Several frauds during 20′s and 30′s desecrated insurance business in India. By 1938 there were 176 insurance companies. The first comprehensive legislation was introduced with the Insurance Act of 1938 that provided strict State Control over insurance business. The insurance business grew at a faster pace after independence. Indian companies strengthened their hold on this business but despite the growth that was witnessed, insurance remained an urban phenomenon.The Government of India in 1956, brought together over 240 private life insurers and provident societies under one nationalized monopoly corporation and Life Insurance Corporation (LIC) was born. Nationalization was justified on the grounds that it would create much needed funds for rapid industrialization. This was in conformity with the Government’s chosen path of State lead planning and development.The (non-life) insurance business continued to prosper with the private sector till 1972. Their operations were restricted to organized trade and industry in large cities. The general insurance industry was nationalized in 1972. With this, nearly 107 insurers were amalgamated and grouped into four companies – National Insurance Company, New India Assurance Company, Oriental Insurance Company and United India Insurance Company. These were subsidiaries of the General Insurance Company (GIC).The life insurance industry was nationalized under the Life Insurance Corporation (LIC) Act of India. In some ways, the LIC has become very flourishing. Regardless of being a monopoly, it has some 60-70 million policyholders. Given that the Indian middle-class is around 250-300 million, the LIC has managed to capture some 30 odd percent of it. Around 48% of the customers of the LIC are from rural and semi-urban areas. This probably would not have happened had the charter of the LIC not specifically set out the goal of serving the rural areas. A high saving rate in India is one of the exogenous factors that have helped the LIC to grow rapidly in recent years. Despite the saving rate being high in India (compared with other countries with a similar level of development), Indians display high degree of risk aversion. Thus, nearly half of the investments are in physical assets (like property and gold). Around twenty three percent are in (low yielding but safe) bank deposits. In addition, some 1.3 percent of the GDP are in life insurance related savings vehicles. This figure has doubled between 1985 and 1995.A World viewpoint – Life Insurance in IndiaIn many countries, insurance has been a form of savings. In many developed countries, a significant fraction of domestic saving is in the form of donation insurance plans. This is not surprising. The prominence of some developing countries is more surprising. For example, South Africa features at the number two spot. India is nestled between Chile and Italy. This is even more surprising given the levels of economic development in Chile and Italy. Thus, we can conclude that there is an insurance culture in India despite a low per capita income. This promises well for future growth. Specifically, when the income level improves, insurance (especially life) is likely to grow rapidly.INSURANCE SECTOR REFORM:Committee Reports: One Known, One Anonymous!Although Indian markets were privatized and opened up to foreign companies in a number of sectors in 1991, insurance remained out of bounds on both counts. The government wanted to proceed with caution. With pressure from the opposition, the government (at the time, dominated by the Congress Party) decided to set up a committee headed by Mr. R. N. Malhotra (the then Governor of the Reserve Bank of India).Malhotra CommitteeLiberalization of the Indian insurance market was suggested in a report released in 1994 by the Malhotra Committee, indicating that the market should be opened to private-sector competition, and eventually, foreign private-sector competition. It also investigated the level of satisfaction of the customers of the LIC. Inquisitively, the level of customer satisfaction seemed to be high.In 1993, Malhotra Committee – headed by former Finance Secretary and RBI Governor Mr. R. N. Malhotra – was formed to evaluate the Indian insurance industry and recommend its future course. The Malhotra committee was set up with the aim of complementing the reforms initiated in the financial sector. The reforms were aimed at creating a more efficient and competitive financial system suitable for the needs of the economy keeping in mind the structural changes presently happening and recognizing that insurance is an important part of the overall financial system where it was necessary to address the need for similar reforms. In 1994, the committee submitted the report and some of the key recommendations included:o StructureGovernment bet in the insurance Companies to be brought down to 50%. Government should take over the holdings of GIC and its subsidiaries so that these subsidiaries can act as independent corporations. All the insurance companies should be given greater freedom to operate.
CompetitionPrivate Companies with a minimum paid up capital of Rs.1 billion should be allowed to enter the sector. No Company should deal in both Life and General Insurance through a single entity. Foreign companies may be allowed to enter the industry in collaboration with the domestic companies. Postal Life Insurance should be allowed to operate in the rural market. Only one State Level Life Insurance Company should be allowed to operate in each state.o Regulatory BodyThe Insurance Act should be changed. An Insurance Regulatory body should be set up. Controller of Insurance – a part of the Finance Ministry- should be made Independent.o InvestmentsCompulsory Investments of LIC Life Fund in government securities to be reduced from 75% to 50%. GIC and its subsidiaries are not to hold more than 5% in any company (there current holdings to be brought down to this level over a period of time).o Customer ServiceLIC should pay interest on delays in payments beyond 30 days. Insurance companies must be encouraged to set up unit linked pension plans. Computerization of operations and updating of technology to be carried out in the insurance industry. The committee accentuated that in order to improve the customer services and increase the coverage of insurance policies, industry should be opened up to competition. But at the same time, the committee felt the need to exercise caution as any failure on the part of new competitors could ruin the public confidence in the industry. Hence, it was decided to allow competition in a limited way by stipulating the minimum capital requirement of Rs.100 crores.The committee felt the need to provide greater autonomy to insurance companies in order to improve their performance and enable them to act as independent companies with economic motives. For this purpose, it had proposed setting up an independent regulatory body – The Insurance Regulatory and Development Authority.Reforms in the Insurance sector were initiated with the passage of the IRDA Bill in Parliament in December 1999. The IRDA since its incorporation as a statutory body in April 2000 has meticulously stuck to its schedule of framing regulations and registering the private sector insurance companies.Since being set up as an independent statutory body the IRDA has put in a framework of globally compatible regulations. The other decision taken at the same time to provide the supporting systems to the insurance sector and in particular the life insurance companies was the launch of the IRDA online service for issue and renewal of licenses to agents. The approval of institutions for imparting training to agents has also ensured that the insurance companies would have a trained workforce of insurance agents in place to sell their products.The Government of India liberalized the insurance sector in March 2000 with the passage of the Insurance Regulatory and Development Authority (IRDA) Bill, lifting all entry restrictions for private players and allowing foreign players to enter the market with some limits on direct foreign ownership. Under the current guidelines, there is a 26 percent equity lid for foreign partners in an insurance company. There is a proposal to increase this limit to 49 percent.The opening up of the sector is likely to lead to greater spread and deepening of insurance in India and this may also include restructuring and revitalizing of the public sector companies. In the private sector 12 life insurance and 8 general insurance companies have been registered. A host of private Insurance companies operating in both life and non-life segments have started selling their insurance policies since 2001Mukherjee CommitteeImmediately after the publication of the Malhotra Committee Report, a new committee, Mukherjee Committee was set up to make concrete plans for the requirements of the newly formed insurance companies. Recommendations of the Mukherjee Committee were never disclosed to the public. But, from the information that filtered out it became clear that the committee recommended the inclusion of certain ratios in insurance company balance sheets to ensure transparency in accounting. But the Finance Minister objected to it and it was argued by him, probably on the advice of some of the potential competitors, that it could affect the prospects of a developing insurance company.LAW COMMISSION OF INDIA ON REVISION OF THE INSURANCE ACT 1938 – 190th Law Commission ReportThe Law Commission on 16th June 2003 released a Consultation Paper on the Revision of the Insurance Act, 1938. The previous exercise to amend the Insurance Act, 1938 was undertaken in 1999 at the time of enactment of the Insurance Regulatory Development Authority Act, 1999 (IRDA Act).The Commission undertook the present exercise in the context of the changed policy that has permitted private insurance companies both in the life and non-life sectors. A need has been felt to toughen the regulatory mechanism even while streamlining the existing legislation with a view to removing portions that have become superfluous as a consequence of the recent changes.Among the major areas of changes, the Consultation paper suggested the following:a. merging of the provisions of the IRDA Act with the Insurance Act to avoid multiplicity of legislations;b. deletion of redundant and transitory provisions in the Insurance Act, 1938;c. Amendments reflect the changed policy of permitting private insurance companies and strengthening the regulatory mechanism;d. Providing for stringent norms regarding maintenance of ‘solvency margin’ and investments by both public sector and private sector insurance companies;e. Providing for a full-fledged grievance redressal mechanism that includes:o The constitution of Grievance Redressal Authorities (GRAs) comprising one judicial and two technical members to deal with complaints/claims of policyholders against insurers (the GRAs are expected to replace the present system of insurer appointed Ombudsman);o Appointment of adjudicating officers by the IRDA to determine and levy penalties on defaulting insurers, insurance intermediaries and insurance agents;o Providing for an appeal against the decisions of the IRDA, GRAs and adjudicating officers to an Insurance Appellate Tribunal (IAT) comprising a judge (sitting or retired) of the Supreme Court/Chief Justice of a High Court as presiding officer and two other members having sufficient experience in insurance matters;o Providing for a statutory appeal to the Supreme Court against the decisions of the IAT.LIFE & NON-LIFE INSURANCE – Development and Growth!The year 2006 turned out to be a momentous year for the insurance sector as regulator the Insurance Regulatory Development Authority Act, laid the foundation for free pricing general insurance from 2007, while many companies announced plans to attack into the sector.Both domestic and foreign players robustly pursued their long-pending demand for increasing the FDI limit from 26 per cent to 49 per cent and toward the fag end of the year, the Government sent the Comprehensive Insurance Bill to Group of Ministers for consideration amid strong reservation from Left parties. The Bill is likely to be taken up in the Budget session of Parliament.The infiltration rates of health and other non-life insurances in India are well below the international level. These facts indicate immense growth potential of the insurance sector. The hike in FDI limit to 49 per cent was proposed by the Government last year. This has not been operationalized as legislative changes are required for such hike. Since opening up of the insurance sector in 1999, foreign investments of Rs. 8.7 billion have tipped into the Indian market and 21 private companies have been granted licenses.

The involvement of the private insurers in various industry segments has increased on account of both their capturing a part of the business which was earlier underwritten by the public sector insurers and also creating additional business boulevards. To this effect, the public sector insurers have been unable to draw upon their inherent strengths to capture additional premium. Of the growth in premium in 2004-05, 66.27 per cent has been captured by the private insurers despite having 20 per cent market share.The life insurance industry recorded a premium income of Rs.82854.80 crore during the financial year 2004-05 as against Rs.66653.75 crore in the previous financial year, recording a growth of 24.31 per cent. The contribution of first year premium, single premium and renewal premium to the total premium was Rs.15881.33 crore (19.16 per cent); Rs.10336.30 crore (12.47 per cent); and Rs.56637.16 crore (68.36 per cent), respectively. In the year 2000-01, when the industry was opened up to the private players, the life insurance premium was Rs.34,898.48 crore which constituted of Rs. 6996.95 crore of first year premium, Rs. 25191.07 crore of renewal premium and Rs. 2740.45 crore of single premium. Post opening up, single premium had declined from Rs.9, 194.07 crore in the year 2001-02 to Rs.5674.14 crore in 2002-03 with the withdrawal of the guaranteed return policies. Though it went up marginally in 2003-04 to Rs.5936.50 crore (4.62 per cent growth) 2004-05, however, witnessed a significant shift with the single premium income rising to Rs. 10336.30 crore showing 74.11 per cent growth over 2003-04.The size of life insurance market increased on the strength of growth in the economy and concomitant increase in per capita income. This resulted in a favourable growth in total premium both for LIC (18.25 per cent) and to the new insurers (147.65 per cent) in 2004-05. The higher growth for the new insurers is to be viewed in the context of a low base in 2003- 04. However, the new insurers have improved their market share from 4.68 in 2003-04 to 9.33 in 2004-05.The segment wise break up of fire, marine and miscellaneous segments in case of the public sector insurers was Rs.2411.38 crore, Rs.982.99 crore and Rs.10578.59 crore, i.e., a growth of (-)1.43 per cent, 1.81 per cent and 6.58 per cent. The public sector insurers reported growth in Motor and Health segments (9 and 24 per cent). These segments accounted for 45 and 10 per cent of the business underwritten by the public sector insurers. Fire and “Others” accounted for 17.26 and 11 per cent of the premium underwritten. Aviation, Liability, “Others” and Fire recorded negative growth of 29, 21, 3.58 and 1.43 per cent. In no other country that opened at the same time as India have foreign companies been able to grab a 22 per cent market share in the life segment and about 20 per cent in the general insurance segment. The share of foreign insurers in other competing Asian markets is not more than 5 to 10 per cent.The life insurance sector grew new premium at a rate not seen before while the general insurance sector grew at a faster rate. Two new players entered into life insurance – Shriram Life and Bharti Axa Life – taking the total number of life players to 16. There was one new entrant to the non-life sector in the form of a standalone health insurance company – Star Health and Allied Insurance, taking the non-life players to 14.A large number of companies, mostly nationalized banks (about 14) such as Bank of India and Punjab National Bank, have announced plans to enter the insurance sector and some of them have also formed joint ventures.The proposed change in FDI cap is part of the comprehensive amendments to insurance laws – The Insurance Act of 1999, LIC Act, 1956 and IRDA Act, 1999. After the proposed amendments in the insurance laws LIC would be able to maintain reserves while insurance companies would be able to raise resources other than equity.About 14 banks are in queue to enter insurance sector and the year 2006 saw several joint venture announcements while others scout partners. Bank of India has teamed up with Union Bank and Japanese insurance major Dai-ichi Mutual Life while PNB tied up with Vijaya Bank and Principal for foraying into life insurance. Allahabad Bank, Karnataka Bank, Indian Overseas Bank, Dabur Investment Corporation and Sompo Japan Insurance Inc have tied up for forming a non-life insurance company while Bank of Maharashtra has tied up with Shriram Group and South Africa’s Sanlam group for non-life insurance venture.CONCLUSIONIt seems cynical that the LIC and the GIC will wither and die within the next decade or two. The IRDA has taken “at a snail’s pace” approach. It has been very cautious in granting licenses. It has set up fairly strict standards for all aspects of the insurance business (with the probable exception of the disclosure requirements). The regulators always walk a fine line. Too many regulations kill the motivation of the newcomers; too relaxed regulations may induce failure and fraud that led to nationalization in the first place. India is not unique among the developing countries where the insurance business has been opened up to foreign competitors.The insurance business is at a critical stage in India. Over the next couple of decades we are likely to witness high growth in the insurance sector for two reasons namely; financial deregulation always speeds up the development of the insurance sector and growth in per capita GDP also helps the insurance business to grow.

Credit Collection Laws And You

The Fair Debt Collection Practices Act and the Fair Credit Act has helped thousands of debtors free themselves from collection agents and junk debt buyers who act like complete Neanderthals when collecting debts. Junk debt buyers, collection agencies and sometimes, even original creditors are known mostly for their unforgiving, intimidating and often illegal collection tactics to extract money from debtors. Since laws have been enforced, consumer rights are protected against mean-spirited credit collectors, which is why it is important to educate yourself with credit collection laws to minimize the chances of being harassed by creditors or collection agencies.

One of the most common ways debt collectors obtain information from debtors is asking for their bank or credit card information. In the past, debtors have no other choice but to divulge such sensitive information from creditors or collection agencies. However, things have changed, laws are enacted and junk debt collectors and collection agencies can no longer make a person give his or her credit card and bank information.Once contacted by a debt collector, debtors are given 30 days to dispute the debt and make the debt collector prove the ownership of the debt in dispute. The bottom line is, you don’t need to pay anything just because someone claims you owe them money. If they can’t produce proof that you owe them money, they can’t collect the money nor can they file a credit card lawsuit.Apart from proving the debt’s ownership, collectors can no longer threaten, use profanity, vulgarities or use demeaning language to scare debtors into paying the debt. They can no longer humiliate you or talk to third parties about your financial problems. They can no longer discuss confidential debt information to other people. They can no longer threaten to garnish your wages, put lien on your properties when they haven’t gained legal authority to do so. They can only obtain a portion of your paycheck if they win the credit card lawsuit they filed otherwise, no such threats are allowed under the FDCPA.

If debt collectors continuously call you at the dead of the night or early in the morning, you can send them a Cease and Desist letter, information them that you do not wish to be contacted via phone calls and will respond only in writing. In response, the debt collector can only notify you about their next step, usually filing a credit card lawsuit, in writing. If they refuse to comply, they are violating the mandates of collection laws and will be brought to justice.

Fashion and Accessories Home-Based Business

If fashion is what your language is, then you can be good at fashion and accessories making home-based business. The world is thrilled with the enhancement that fashionable items and artistic outputs can do. Life could be dull without fashionable clothes, creative beads and pieces, beautiful shoes, nice costume jewelries, and modern bags. Young and old individuals are more open-minded in carrying what’s in. Women have become trendier while men have started to dress for the day-with or without occasion.

To start a fashion and accessories business, you must be aware of latest trends in dress and apparels. Be aware that your competitors are malls and shops that are mushrooming everywhere but be challenged to provide what they cannot which is house-to-house transaction. Your clients need not spend money for gasoline just to travel to the shops to get a new pair of accessories or dress. There are two options you can choose in venturing into fashion and accessories business. First is that you can get good deals from wholesalers and producers of signature and non-signed brands that are sellable. Second is that you can create your own line of jewelries, accessories, bags, shoes and watches. Whatever products you will be specializing on, you must zero it down to establish a more specific identity as a company.

If you will be creating your original clothing pieces and costume jewelries, you must be largely creative in terms of fashion and jewelry designing. This could be a greater challenge and test as to what extent you are capable for producing. You might need extra hand to create multiple products to suffice multiple orders. Always be ready to set reasonable prices for your customers.

Outsource Your Online Business Creation And Focus On Marketing

When marketing online, you will tend to try to do everything by yourself in order to save money. Good if you are expert in everything that you intend to do but you are just wasting a lot of time and effort if you are new and try to learn everything. What you should do is outsource those skills that you do not possess and concentrate on your online marketing efforts.Imagine putting all your hard work into creating your online business and when you are done, the results are nothing but mediocre. If you are not good at something, admit it and get someone who is good at doing it to do for you.

Here are 3 types of business creation steps you can outsource.1. Website DesignIf you know zilch about HTML, PHP, FTP, etc; you shouldn’t really look into learning all of them. While they are good knowledge to possess, sometimes it is better to get a website designer to do them for you.There are many web developers online and the prices of website creation are not that expensive unless of course if you are looking to do a huge website.2. Graphics DesignIf you cannot design graphics, then stop pretending to be an artist. Graphic designers online have now become more sophisticated and with the advent of terms such as Web 2.0, the learning curve has been longer than ever if you want to do the same.What you can do is either but graphics which have been pre-designed and insert them on your websites or simply get a custom graphic designed for you. You will certainly appreciate the more stunning designs that can be created by graphics designers.

3. Writing ServicesWell, not everyone can write well. Thus you can always hire writers to write the content of your website for you. Armed with experience and mastery of the language plus an eye for researching about various topics, writers can make your job easier and you do not even need to reach out for a pen or type away endlessly on your keyboard.While there are many other services which your can outsource like search engine optimization and website submissions, you will do well to pay for such services and focus on your marketing instead.