Category Archive Photograph Guide

ByCurtis Watts

31 Best Online Banks of 2021

Curious about online banks? Learn more about the best options out there providing checking, savings, CD, and money market accounts with competitive yields.

Source: moneycrashers.com

ByCurtis Watts

What Is an ACH Transfer? How Long Does It Take?

ACH transfers allow you to send & receive money between bank accounts. They’re relatively quick, easy, and cheap.

Source: crediful.com

ByCurtis Watts

What Is “Accessible Income” on a Credit Card Application?

If you’re applying for a credit card, you might stumble upon this term “accessible income.” In fact, that’s the only situation in which you will come across the term: on a credit card application. So, you need to know what it is.

Accessible income is not just income you earn from your regular job. Rather, it includes much more than that. It includes income from a wide variety of sources, like retirement savings accounts, social security payments, trust funds, just to name a few.

Accessible income can work in your favor because not only you can list income from your job, but also all types of other money you receive in a given year. This in turn will increase your chance of getting approved for the credit card, simply because you can list a higher income.

It also can get you approved for a higher credit limit, which in turn can help your credit score and allow you more spending freedom. In this article, I will explain what accessible income is and the types of income you need to include in your credit card application. Before you start applying for too many credit cards, consult with a financial advisor who can help you develop a plan.

What is accessible income?

Accessible income means all of the money that you have accessed to if you are 21 years old or older. According to the Credit Card Accountability Responsibility and Disclosure Act, lenders are required to offer you credit if you are able to pay your bill. If you do not make enough money and do not receive enough income from other sources and cannot make payments, they can reject your application. That is why they ask for your accessible income.

If you are between the age of 18 and 20, your accessible income is limited to income for your job, scholarships, grants and money from your parents or other people.

However, if you are 21 and older, your accessible income involves way more than that. It includes income from the following sources:

  • Income paychecks
  • Tips
  • Bank checking accounts
  • Savings accounts
  • Income of a spouse
  • Grants, scholarships, and other forms of financial aid
  • Investments income
  • Retirement funds
  • Trust funds
  • Passive income
  • Checks from child support and spousal maintenance
  • Allowances from your parents or grandparents
  • Social security payments or SSI Disability payments

To report that accessible income, just add them all up to arrive at a total and submit it. The credit card companies will not ask you to provide the specific source of each income

What does not count as accessible income

Loans including personal loans, mortgage, auto loans do not count as accessible income simply because they are borrowed money. So, do not list them when submitting your credit card application.

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Accessible income on the credit card application

Accessible income is only associated with credit card applications. In other words, you’re only asked that when you’re applying for credit cards. When applying for a credit card, you should take advantage of all sources of income and not just the income from your job.

So, you should make sure to gather all of the money you have accessed to that year. Not doing so means that you’re leaving other income that is just as important. As mentioned above, you should not include loans or any borrowed money.

When reporting your accessible income, be as accurate and truthful as possible. While some credit card companies may take your word for it, others may ask you to verify your income. In that case, you will need to provide hard proof like pay stubs, bank statements, statement from your investments accounts, etc…

Why providing accessible income important?

Your credit score is the most important factor credit card companies rely on to decide whether to offer you a credit card. However, your income is also important. The higher your income, the better.

A high income means that you’re able to cover debt that you may accumulate on your credit card. And the higher your chance is that they will approve you. The opposite is true. If you have a low income, some credit card companies may not approve you even if you have a good credit score. So, in order to increase your chance, you should take advantage of accessible income.

The bottom line

The only situation where you will find “accessible income” is on a credit card application. Accessible income is all income you have access to in any given year. That includes much more than your paychecks from your regular jobs.

But it also includes all types of money including checks from child support or alimony, allowances from your parents or grandparents, money in your retirement and investment accounts, etc. So, you should take advantage of it when applying for a credit card.

Speak with the Right Financial Advisor

You can talk to a financial advisor who can review your finances and help you reach your goals (whether it is making more money, paying off debt, investing, buying a house, planning for retirement, saving, etc). Find one who meets your needs with SmartAsset’s free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.

The post What Is “Accessible Income” on a Credit Card Application? appeared first on GrowthRapidly.

Source: growthrapidly.com

ByCurtis Watts

Best Free Business Checking Accounts of November 2020 | The Simple Dollar

With few fees and low account minimums, you can find the best free business checking account for you with these top picks.

Source: thesimpledollar.com

ByCurtis Watts

9 Financial Strategies for Padding Your Bank Account in Case 2021 Goes Sideways

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

So far, Capital One Shopping has saved users more than million.
This past year has taught us the hard way that everyone should have an emergency fund. You need a place where you can safely stash your savings away — but still earn money on it.
Even if you’re gainfully employed and not in imminent danger of being evicted, you’re probably struggling with bills like most of us are. Groceries are a huge part of everyone’s budget these days, so they’re a big target for savings.
First, figure out how many meals you’re responsible for making every week. If it’s just you, your answer might be 21: seven breakfasts, lunches and dinners. If you have a family, count meals per person — a dinner for three people counts as three dinners, even if you all eat the same thing.
If things go south financially, the last thing you want to be saddled with is credit card debt. And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates. But a website called AmOne wants to help.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
Now figure out how much food you’ll need to buy to make it until your next grocery trip. If you buy the same items repeatedly, you know which ones to stock up on when they go on sale. Stocking up on sale items also helps you freeze meals for the future. If there’s a way to buy in bulk and prep the foods you eat the most often, do it!

1. Save Up An Emergency Fund

Right?
Let’s say you’re shopping for a new TV. You’re ready to check out, and you assume you’re getting the best price. Here’s when Capital One Shopping will pop up and let you know if you’re about to overpay. It will even automatically apply any known coupon codes to your order.
Welllllllll… we hate to sound like pessimists, but if there’s one thing life has taught us, it’s that things can always get worse.
You should shop your options every six months or so — it could save you some serious money. Let’s be real, though. It’s probably not the first thing you think about when you wake up. But it doesn’t have to be.
Source: thepennyhoarder.com

2. Stop Overpaying for Stuff

That’s exactly what a free service called Capital One Shopping does. (No need to be a Capital One customer to use it!)
Under your mattress or in a safe will get you nothing. And a typical savings account won’t do you much better. (Ahem, 0.06% is nothing these days.)
Try preparing for the week ahead with some meal planning. This goes beyond just making a shopping list. Real meal planning helps you save money because it helps you use what you buy, preventing food and money waste. It also prevents you from spending extra cash on emergency lunches or late-night takeout.
A free app called Fetch Rewards will reward you with gift cards just for buying toilet paper and more than 250 other items at the grocery store.
You can get started with Capital One Shopping in just a few minutes to see if you’re overpaying online.
You just have to answer honestly, and InboxDollars will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than million.

3. Get Paid Every Time You Buy Toilet Paper

It takes about one minute to sign up, and start getting paid to watch the news.
You can download the free Fetch Rewards app here to start getting free gift cards. Over a million people already have, so they must be onto something…
The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.
So, you thought 2020 was bad? Just wait!

4. Knock $540/Year From Your Car Insurance in Minutes

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He’s got his game face on and is ready for 2021, come hell or high water.
Your bank account will be in better shape in 2021 if you stop overpaying for things. For instance, wouldn’t it be nice if you got an alert any time you’re shopping on Walmart and are about to get ripped off?
OK, we’re kidding. Obviously, 2021 should turn out way better than 2020 did, right?
It’s been a historic time for news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves an expert in respiratory illness or a political mastermind.
Just in case, we’ve got some proactive moves you should make to protect your bank account in case things go south. Before the next crisis gets going, let’s get started with the protective measures:

5. Stop Paying Your Credit Card Company

Using Insure.com, people have saved an average of 0 a year.
But a debit card called Aspiration lets you earn up to 5% cash back and up to 16 times the average interest on the money in your account.
Yup. That could be 0 back in your pocket just for taking a few minutes to look at your options.
It takes two minutes to see if you qualify for up to ,000 online. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.
If you owe your credit card companies ,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

6. Cut Your Food Budget by Planning Ahead

There’s no way it could be worse, right?
Car insurance is another thing you shouldn’t overpay for in 2021. When’s the last time you checked car insurance prices?
A website called Insure.com makes it super easy to compare car insurance prices. All you have to do is enter your ZIP code and your age, and it’ll show you your options.
And research companies want to pay you to keep watching. You could add up to 5 a month to your pocket by signing up for a free account with InboxDollars. They’ll present you with short news clips to choose from every day, then ask you a few questions about them.

7. Add $225 to Your Wallet Just for Watching the News

Not too shabby!
AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.
Enter your email address here to get a free Aspiration Spend and Save account. After you confirm your email, securely link your bank account so they can start helping you get extra cash. Your money is FDIC insured and they use a military-grade encryption which is nerd talk for “this is totally safe.”
Capital One Shopping’s free alerts can be added to your browser. Before you check out, it’ll check other websites, including Amazon, Target, eBay and others to see if your item is available for cheaper. It will also show you coupon codes, set up price-drop alerts and even let you see the item’s price history.
Grocery shopping was never exactly pleasant. But these days, it’s a downright struggle. Fighting crowds; keeping six feet of space — just buying toilet paper is a feat. Shouldn’t you have something to show for it?
Here’s how it works: After you’ve downloaded the app, just take a picture of your receipt showing you purchased an item from one of the brands listed in Fetch. For your efforts, you’ll earn gift cards to places like Amazon or Walmart.
Maybe COVID’s sequel shows up. Maybe the economy crashes again. Maybe our weird politics get even weirder. Maybe aliens land in Times Square.

ByCurtis Watts

Photography Work For Hire

Most event photographers work usage rights into their hourly rate, but be sure you have clarity on this. I always recommend requesting a contract. With this, you should now feel well prepared to hire …

Portrait Photography Pricing Guide Portrait Photography. We know you love your family, but time just flies too fast. Capture the dimpled baby faces or those freckles and missing teeth while you can. And for photo pet portraits, there are photography studios that offer hour-long photo sessions for $150. For more information on how to price your pet portraits, check

Work Made For Hire - What Does It Mean To Your Photography Business? At a time when the unemployment rate per-image pricing for trans people in the U.S. is double that of the general population, the san francisco lgbt center’s Trans at Work campaign highlights … with an exclusive …

Indoor Portrait Photography Tips To help you with the same, we have compiled some of the important Portrait Photography Tips and Ideas for you. Read on to know more about them. Photography, If you’re looking for tips on how to light indoor portraits, COOPH’s latest video is just what you’re looking for as they’re exploring the various ways you

Apr 28, 2008  · Q&A – Is Your Photography a "Work for Hire?". A. When you are not an employee of the organization, the agreement for a “work for hire” or “work made for hire” (“WMFH”) scenario MUST be in writing for the copyright to belong to the hiring company. See 17 usc 101. Sometimes, however, there is a dispute as to whether you are an “employee”…

In its sole discretion, College may credit Photographer as the creator in connection with College’s use of the photographs created pursuant to this Agreement. 4. Payment and Taxes. College shall pay Photographer an amount to be agreed upon between College and Photographer for specific assignments during the term of this Agreement.

Best Lens For Night Photography Nikon May 16, 2019  · With Nikon’s recent 100th anniversary, I thought it fitting to write a post on what I consider to be the best Nikon lenses for most photographers. There are so many great Nikon DSLR lenses available here in 2019, that it can be rather overwhelming … The tokina opera 16-28mm F2.8 is a

PHOTOGRAPHIC WORK-FOR-HIRE AGREEMENT. The enticement and consideration for this Agreement is the promise by the Client to pay the Photographer the amount of $______________. This is a one-time compensation for Photographer’s services (sometimes known as a work-for-hire) and Photographer understands that this will comprise Photographer’s complete…

Some of the events the photographer might capture include the Formula One Grand Prix in Monaco and Abu Dhabi, diving in the Maldives and Mardi Gras in New Orleans — just to name a few. You might work …

[embedyt]//www.youtube.com/embed/Yg2m9mTHG2s[/embedyt]

ByCurtis Watts

Indoor Portrait Photography Tips

To help you with the same, we have compiled some of the important Portrait Photography Tips and Ideas for you. Read on to know more about them. Photography,

If you’re looking for tips on how to light indoor portraits, COOPH’s latest video is just what you’re looking for as they’re exploring the various ways you can add light to studio portraits. With the …

Coming to you from Miguel Quiles, this helpful video discusses five tips to improve your portrait photography … your …

Portrait Photography Pricing Guide Portrait Photography. We know you love your family, but time just flies too fast. Capture the dimpled baby faces or those freckles and missing teeth while you can. And for photo pet portraits, there are photography studios that offer hour-long photo sessions for $150. For more information on how to price your pet portraits, check

corporate photography tips and how to photograph corporate events – read this article and learn my techniques on taking pictures of people in low-light.

Here are our four best tips to get stunning results with your iPhone 7 Plus. The quality of the photo suffers even in dim indoor lighting. Portrait mode on the iPhone 7 Plus calls for bright …

All you NEED is one LIGHT| TUTORIAL! Utilize a white, silver or gold reflector to add professionalism and brightness to your finished pieces. This is best for outdoor shots or even indoor ones where you’re getting plenty of natural light …

This covers the basics but if you want something more advanced, do check out our piece on tips and tricks to shooting emotive portraits indoors … be better at shooting natural light indoors as …

Best Lens For Night Photography Nikon May 16, 2019  · With Nikon’s recent 100th anniversary, I thought it fitting to write a post on what I consider to be the best Nikon lenses for most photographers. There are so many great Nikon DSLR lenses available here in 2019, that it can be rather overwhelming … The Tokina Opera 16-28mm F2.8 is a

You should have a good idea for how to use your camera’s settings. You should have a camera that you can use to follow along with. There are many practical exercises in the course that get you taking action.

ByCurtis Watts

Portrait Photography Pricing Guide

Portrait Photography. We know you love your family, but time just flies too fast. Capture the dimpled baby faces or those freckles and missing teeth while you can.

And for photo pet portraits, there are photography studios that offer hour-long photo sessions for $150. For more information on how to price your pet portraits, check out this beginner’s guide to …

A comprehensive photography pricing guide for photographers. A step-by-step guide to determining a winning pricing for your photography services.

Best Lenses For Street Photography Canon The best lens for you obviously depends on what camera system you use, but the Panasonic Lumix G 20mm f/1.7 is our favorite cheap mirrorless lens thanks to its combination of compact size, fast … May 16, 2019  · Canon Lens Buyer’s Guide. This is a camera lens guide about the best Canon lenses for all-round

No doubt, portraits … price and value converge perfectly. That said, there are no bad choices on this list. Each and every lens is highly capable and far above the capabilities of any kit lens for …

Creative Indoor Photography Ideas Flash For Real Estate Photography A smooth real estate transaction starts by igniting excitement with stunning real estate photography to compliment the listing … If you don’t have additional lighting resources—like a flash or … Tips For Nature Photography One of the most exciting things about running a photography site is getting to know people

The glamour shots experience. celebrate your unique beauty and style with a portrait photography session that puts you center stage. Glamour Shots® designs a photography experience that brings out the best in you.

Best Lens For Night Photography Nikon May 16, 2019  · With Nikon’s recent 100th anniversary, I thought it fitting to write a post on what I consider to be the best Nikon lenses for most photographers. There are so many great nikon dslr lenses available here in 2019, that it can be rather overwhelming … The tokina opera 16-28mm f2.8 is a

What to charge for pro photography? This guide will help you guide … you can clean your glass as needed. senior portrait photography will become a whole lot easier for Sony users with the Sony 85mm f1.8 FE. Not only is it more than …

Full Body Poses Photography Kardashian West, wrote on Twitter and Instagram alongside a photo set of the duo throwing up peace and rock-and-roll hand signs and posing in loving embraces. In the snapshots, the mother of three is … Flash For Real Estate Photography A smooth real estate transaction starts by igniting excitement with stunning real estate photography to