Post about "photography lessons"

SBA 504 Refinancing Program Update

The Small Business Administration made a major announcement about the SBA 504 Refinancing Program. After waiting almost a year for the SBA finally introduced some new rules to add very significant benefits to this financing program. It is very exciting news for small businesses because it has the potential of stimulating the economy and to aid small businesses in refinancing their debt.The SBA 504 Financing Program provides $7.5 billion to use over the next eleven months for small businesses to refinance their debt. You may recall that back in 2010 the Small Business Jobs Act was passed into law and it had provisions that the SBA 504 Loan Program was to be used by small businesses to refinance existing debt. Up to that time the program was used exclusively for the purchase of assets like commercial real estate or new equipment. The legislation then allowed funds to be use only to refinance existing debt on commercial real estate and major equipment. The big change is that the SBA is now allowing small businesses to refinance other depth as well. Now as long as 85% of the loan amount was used for refinancing of assets like commercial real estate and equipment, the other 15% could be used for other purposes.The business owner can now use the remaining 15% to access working capital for eligible business expenses. This “cash-out” can be used for refinancing of eligible business expenses such as salaries, rents utilities, inventory and other obligations that the business had incurred up to the point of application or that may be coming due within 18 months.The key features of this loan program include allowing funding for up to 90% of the appraised value of the assets used as collateral where previously cash-out was typically limited to only 60 or 65%. That’s an additional 25%, and in some cases 35%, more equity you can use pay off existing debt and cash-out for working capital. Other benefits are long-term financing typically 20 to 25 year amortization, no balloon payments and the lowest interest rates in the markets. These rates are fixed so there is no worry about when interest rates finally start go up.There are a few qualifications you must meet in order obtain this financing. This is for owner-occupied properties only so the business must occupy at least 51% of the building. This is not for investment properties like multi-family or other investment type properties Another criteria is that you must be current on your payments. The SBA’s definition of current is no more than 30 days late for the past 12 months.

Learning With Landscape Photography Tips

Photography interest is wide, but having the ability to capitalize on the photos you take by finding financial gain is rare. The photographer’s inability to market photos to clients or quite often their inexperience are the leading causes for this rare occurrence. A great way to capitalize on the photographer’s life is to seek the advice of experience and search for landscape photography tips online. Landscape photography is one of the most sought after types of photography currently affecting the photo market and finding landscape photography tips can help turn your mediocre skills into the skills of an expert.When researching landscape photography tips to pursue the photographer’s life one of the top tips is to find a new perspective to an old photo. Photographs often in high demand include images of national treasures and monuments where companies are seeking a new angle or perspective of the aged image.Visiting these popular hot spots can help you capitalize financially as you discover the new angles or perspectives that purchasing companies are seeking. In many cases a new angle can capture shadowing or a background that is relevant to the original image, strengthening the imagery of the photograph. When pursuing the photographer’s life remember to take a great deal of photographs at a variety of angles since you never know which photo will appeal directly to your potential client.It is important to identify the various patterns of tip familiarity when searching for landscape photography tips due to their great abundance on the internet. Remember when trying to find the character of a photo that a great deal of importance should be placed upon the play of light and shadow. The time of day plays a tremendous role in the imagery that can be found in a photo. Never find satisfaction with the first photo you take when deciding on a area to photograph. Photographing various shadows, play of clouds and revealed location images can on occasion take the length of a day and play a large role in the photographer’s life. Patience in photography can help in capitalizing on discovered landscape photography tips to maximize your photography earnings.Nature is unpredictable in regards to the conditions that are available to the photographer. One of the top landscape photography tips is to find new perspectives when nature thwarts your original effort. Close a single eye to assist in finding the new scene you hope to capture. This method will help you see how the flat image of the photo will develop as closing an eye reduce the depth that dual vision provides. If you hope to take a photo of majestic mountains but the shadowing is wrong then use that background to capture the beauty of a new feature. On many occasions the beauty of a single flower stands out the most with bleak surroundings. Maximize your experiences in the photographer’s life by seeking new perspectives and never to accept photographic failure.