There are many different photography jobs ranging from those in various commercial fields, such as in a fine arts gallery or commercial news, to portrait photographers, wedding photographers and even scientific photographers. Many photographers also do freelance work, which might range from fine art to portraits and everything in between. Although, in order to get a photographer job, there are certain tools required. This is especially true of students majoring in photography, as there is no way to pass the classes and finish the photography degree program without the right tools to do the work. So just what tools are used by photographers?Most photographers use digital cameras these days, but many still prefer the traditional halide film-print camera for all or some of their work. Many photographers are using automatic lens and shutter speed settings as well, although those who desire more creative control may also prefer manual operation. Film, filters, flash attachments, special lighting equipment, and tripods are also necessary to achieve the desired effect.Some photographers process their own photos, particularly if they are black and white photos. Other times it may be better to submit the film or digital copies to a special laboratory to be professionally developed. For those who process the film themselves, a special knowledge of dark rooms or computer software is required. Now photographers can manipulate and edit digital images. They can also send them easily through email from any location, but being able to use the software to touch up the photos is a special skill.Many of the tools of the photography trade are specific to the type of work the photographer does. As a photography student majoring in this subject, it is often best to test out a variety of different styles to see what medium works best for you. After finishing your fine art degree in photography, you might decide to shoot weddings and other events, or you might focus more on doing art work that you can sell to individuals and businesses. Many photographers do both and with the right tools, nothing should hold you back.
The market for online degree programs offered by Higher Education Institutions (HEIs) globally has dramatically changed over the past decade. While education research organizations are still working hand in hand to measure the size of this market, there is a significant amount of data from various reports on global tertiary education that articulate the past, current and future state of this education market.Rise of Global Tertiary EnrolmentsAccording to the 2009 report from UNESCO Institute for Statistics (UIS), global tertiary enrolments reached 170 million in 2009 wherein China, India, US and Russia have already a combined share of 45%. Other emerging economies with significant numbers of tertiary enrolments include: Brazil (6.2 million), Indonesia (4.9 million), Iran (3.4 million), South Korea (3.3 million) and Turkey (3.0 million).More interestingly, according to British Council, the total global tertiary enrolment is forecasted to grow by 21 million between 2011 and 2020.Another foreseen contributing factor to the rise in global tertiary enrolments is the growing population of internet users. With 2.4 billion internet users as of 2012, it is expected that online degree programs offered by HEIs worldwide will continue to become the learning method of choice by millions of global students.Growth of the Education MarketAccording to IBIS Capital, in 2012, the global education expenditure reached $4.4 trillion. This figure is supported by 1.4 billion students and 62.5 million educators. Thirty four percent (equivalent to $1.5 trillion) of the total expenses came from post-secondary education. It is projected that this expenditure will climb up to $5.4 trillion by 2015 and to $6.3 trillion by 2017.The global eLearning education market, on the other hand, reached $91 billion in 2012 and is forecasted to grow by CAGR of 23% from 2012 to 2017.Clearly, these growths in the education market are indications that the global market for online degree programs is expanding.Trends in Global Distance LearningIt is also apparent from reports and surveys that online programs are widely adopted by many colleges and universities around the world.Hanover Research, on its 2011 report highlights the following trends in global distance learning:UK’s major online degree programs are more focused on continuing professional development with greater emphasis on business-oriented programs. Student enrolments on Level 4 programs accounts for 25% while those on Level 7 accounts for 60%. Among UK online courses, business, law, medicine, science, education, social studies, and technology are the most frequently offered subject areas by various institutions.In the US, 41% of full online programs offered at various tertiary level institutions are undergraduate degrees and 25% are graduate professional degrees. Of the 4,200 degree-granting post-secondary institutions in the country, 66% offers undergraduate online courses while 60% offers graduate professional online courses. Online degree programs that are highly in-demand from 2009 to 2010 are health professional and related sciences, psychology, business, education, computer and information sciences, and engineering disciplines.In 2013, distancelearningportal.com released its independent survey on global demand for online education.The survey is based on the 2 million visits they received on their online study portal in the entire fiscal year. Of this number, 69% of visitors have prospect on Bachelors degree, 19% on Masters degree, and 2% on doctoral degree. The survey also indicates that the online programs with the highest demand globally are Business & Economics, Engineering & Technology, Social Sciences, Applied Sciences, Environmental Sciences, and Law. The top countries with the highest demand for online education are UK, US, India, Germany, Greece, Canada, Nigeria, Italy, Pakistan, Netherlands, Ireland, Spain, France and Australia.Opportunities in Higher Education for Global EngagementAccording to the 2012 study conducted by the British Council regarding higher education global trends and emerging opportunities, these are the five education opportunities that will shape the global engagement in tertiary education by 2020:· International Student Mobility· Size and Growth of Domestic Tertiary Education Systems· Transnational Education (TNE)· Academic International Research Collaboration· Business International Research and CollaborationThese opportunities are already being felt in various countries in Asia-Pacific, Africa and the Middle East. In fact, UK and US education curriculums are widely adopted by many universities in Asia and Africa for the development of their online programs. To cater the growing demand for online programs, new course delivery models are also introduced. These are branch campus establishment programs, twinning or partnership programme, dual and joint degrees award, and franchising and validation course delivery models. As a result, more online colleges and universities globally are now actively engaging in the growing market of online degree programs.
This article describes 12 recurring problems with commercial real estate loans that commercial borrowers and their advisors need to anticipate before it is too late. The following problems are common in traditional bank commercial real estate loans and should be avoided if feasible (special circumstances will periodically make some of these terms unavoidable).COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 1: Tax Returns versus Stated IncomeMost traditional banks will require several years of tax returns in order to qualify for a commercial real estate loan. The alternative is to use a Stated Income lender that does not verify personal income or assets. Many borrowers will simply not qualify for a commercial mortgage loan if tax returns are used due to high business expenses (and low net income). Many lenders using tax returns will also continue to verify income after the loan closes. Stated Income lenders will not engage in this practice.COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 2: Special Purpose PropertiesIt is becoming increasingly difficult to get commercial loans for special purpose properties. Properties that do not fall in the categories of apartments or retail/office buildings are often placed in this special purpose classification. This means that business acquisition loans for commercial properties such as restaurants/bars and auto service businesses are frequently hard to find. Commercial financing will be even more difficult to locate for such specialized properties as churches, funeral homes, nursing homes and assisted living facilities.COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 3: Recall/balloon featuresThese terms are used by many banks to effectively shorten most commercial real estate loans to 3-7 years.COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 4: Short-term loans (less than fifteen years) 15-40 year commercial property loans without recall/balloon features are available.COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 5: Up-front Commitment feesUnder most circumstances, commercial borrowers should not pay such a fee. Please note that processing/retainer fees are not included in this discussion of commitment fees. Processing/retainer fees should be viewed as an acceptable and standard business practice when dealing with commercial real estate loans.COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 6: Business Plans Under most circumstances, commercial borrowers should not use a lender that requires a business plan.COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 7: Cross-collateralization Commercial borrowers should not be required to use their personal assets as collateral for a commercial property loan.COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 8: Sourcing and seasoning assets. Seasoning of ownership.This particular problem will not be relevant to all business borrowers. However, if it is relevant, you should seek out a lender without sourcing and seasoning requirements or limitations. Most banks have strict guidelines for sourcing and seasoning of assets or ownership to qualify for commercial real estate loans. For a purchase, commercial lenders will frequently want documentation about where the down payment is coming from (sourcing). Commercial lenders will also frequently have very specific requirements stipulating that the funds must have been in a specific account for a specific period of time, often 3-6 months or longer (seasoning). Seasoning of ownership is similar to seasoning of funds, except this requirement involves the minimum time someone has owned a commercial property before they can refinance the property.COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 9: Requirement to sign IRS Form 4506IRS Form 4506 authorizes the lender to obtain a borrower’s tax returns directly from the IRS. This form is routinely required by most traditional banks and many other commercial lenders for a business acquisition loan. Commercial borrowers using a Stated Income lender with limited documentation requirements will avoid this requirement.COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 10: Debt Service Coverage Ratio (DSCR) in excess of 1.2 for a business acquisition loanThe most flexible approach to DSCR for a commercial property loan will require a DSCR in the range of 1 to 1.2, with exceptions permitting a DSCR less than 1.COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 11: Minimum commercial property loan size that is too high for your commercial mortgage needs. It is not unusual to encounter a minimum commercial real estate loan requirement of $500,000 to $1,000,000.COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 12: Excessive length of the commercial real estate loan process Many traditional banks require three to nine months to close a commercial mortgage. A more action-oriented commercial lender will close commercial real estate loans in 45 to 60 days.Copyright 2005-2006 AEX Commercial Financing Group, LLC. All Rights Reserved.
What makes a house a home?A house is not a home when its interiors look impersonal and cold. It becomes a home only when it’s furnished beautifully according to the personal tastes and sensibilities of the persons that live in it. Get into a house where the furnishings were bought haphazardly, perhaps at the first furniture shop or the most convenient store that the homeowner saw. No matter how expensive and gaudy the pieces of furniture there, that house will bring less fulfillment and joy to the people that live there. Hence, it is not home sweet home in the real sense of the word.Your house could be just anyone’s place of residence if its furnishing does not appeal to your own aesthetic sense. In other words, you can only call your house your own sweet home if the furniture placed in every room there reflects your personal choices and orientation. This is the difference between an impersonal home and one that bears your personal touches and really makes you feel at home.Where do you find personalized furniture?Home furnishing that caters to every taste and budget makes Amini Innovation Corp. (AICO) stand out. AICO Furniture is the brand to seek if you want real home furniture. The name AICO is synonymous with furniture top in quality, craftsmanship, beauty and affordability.Behind AICO is its equally famous creator, Michael Amini, whose very name stands for beautifully designed and durable furniture. Michael is the doyen of American furniture artistes who brings into his craft the best influence of Greek, French and British designs.What is there in the AICO Collection?The AICO Collection contains every piece of furniture you need to transform your house into a home. Each of these pieces of furniture has been lovingly and painstakingly designed to meet every individual sense of style. If you want your house to get the feel of a French chatteau, AICO has just the furniture that can make it so.AICO Furniture has everything for everyone. It can provide the right furnishing for your house to look and feel like an Italian villa or an upscale Manhattan apartment. If you shop by room, the AICO collection in this section include various furniture for your bar, bedroom, dining room, entertainment room, entryway, living room and home office. Shopping by collection will yield furniture under such labels as Chatteau Beauvais, Cortina, Eden, Essex Manor, Excelsior, Exiterra and La Francaise. There are also specials held monthly on floor samples and scratch and dent items.How do you distinguish the AICO Furniture Collection?All the furniture pieces in the AICO Collection are uniformly distinguished for their intricate carvings, beautiful finishes, durability and affordability. The furniture pieces that are affordable nonetheless exude the elegance and high sense of style of the more expensive brands. It’s the details that make AICO Furniture a cut above the rest. You’ll feel in love the first time you see and feel furniture with nail head trims, thick marble tops, and sumptuous leather work. Where these furniture pieces are placed in the house, they never fail to induce appreciative notice and compliments from visitors. Moreover, they are guaranteed to last for more years that you could imagine. The AICO bedroom collection alone is enough to draw oohs and aahs from window shoppers. In this collection are beds, bedroom armoires, nightstands, dressers, chests, jewelry armoires, vanities and mirrors, daybeds, futons and headboards, footboards and side rails. All are luxuriously styled and well-constructed bedroom furniture featuring intricate detail combined with warm finishes and optimal versatility.Come and visit the furniture shops that carry the world-class AICO Furniture.
When you need money, you usually go to lending agencies. As such, you need to spend for your transportation and meals because these lenders will ask you to come to their office, have an interview and then fill out lengthy application and registration forms.Somehow, this defeats the purpose of borrowing money, right? You need money to address a particular and immediate need. But in your attempt to get that needed financial assistance, you are required to spend, though just a bit. Still, it is spending.By availing of a payday loan online – such as payday loans in Ontario – you don’t have to be subjected to the scenario above. Here are a few advantages of this type of loan.1. You don’t have to be sociable.As mentioned, getting a loan needs you to visit the lending agency and talk to a few people there. Naturally, their representatives will ask you a few things. But as you know, there are really people who are not that comfortable in facing others. If you are one of these, then you’d be happy to know that if you avail of a payday loan online instead, you don’t have to face any representative from a lending agency.You don’t even have to go out of your home. All you need are your computer and an internet connection. All application forms and documents have to be sent and received through the internet. Therefore, by availing of a payday loan online, you can just sit in your desk and wait a few hours before the proceeds of your loan get credited to your bank account.2. You don’t have to spend.Unlike other cash loans, online payday loans do not need you to spend for transportation and food. This is so as availing of a payday loan online does not even require you to get out of your house. You don’t even have to go to the bank and en-cash or deposit your check.So, you can just have lunch and snacks at home and watch some television while waiting for your loan to be credited to your account. In effect, you are not required to do some unnecessary spending. Of course, this is a good thing considering that you are already tight on your budget.3. You don’t have to submit a mountain of requirements.Some types of loans, especially those that offer you very high proceeds, require a lot of documents and files from you. But this is not the case when you avail of a payday loan online. With this type of loan, you simply have to fill out the following information, among others: you name, your address and other contact details, your employer’s name and address, your bank details.And, you don’t have to print all of these (and unnecessarily spend on paper and ink). Rather, these pieces of information can just travel through the internet.Indeed, a payday loan online has much to offer. All in all, it can give you your needed money without letting you face an unfriendly customer service agent or letting you spend for transpo expenses. Now, this is one type of loan that has all the right to describe its services as fast and convenience.Money Loans Company – Payday Loans and Cash Advance20 Eglinton Ave. EastToronto, Ontario, CanadaM4P 1A9
Do you know your rights?Your rights are governed by your contract of employment and by the law. Your contract does not have to be written. But, if you are an employee, once you work for your employer continuously for 2 months, you are entitled to a written record of the most important terms of your employment. You have different rights if you are ‘self-employed’, rather than ‘employee’.Legal protectionWhat rights you have will depend, to some extent, on whether you are ‘employee’ or ‘self-employed’. Generally, employees have more legal protection than the self-employed. There is no precise, legal, definition of these terms. All the circumstances, and especially the overall picture they paint, are relevant. Generally speaking, you are more likely to be an employee if you have to do your duties personally, if your employer can tell you how to do your job, and if you cannot work for more than one employer at any given time.Minimum rightsYour contract may be in a letter or a formal agreement. It may even be verbal. Normally, at least some rights will be written. If an employee, you are entitled to receive a written statement of the most important terms of your employment.The law sets certain minimum rights. Your employer cannot give you less than what the law offers. If you did not agree to certain matters, your legal rights will apply automatically. They deal with matters such as minimum pay, minimum holidays, maximum working hours and right to maternity and paternity leave.You also have certain rights which are often unwritten or unspoken (‘implied’ rights). They include the right to:(i) be paid wages;(ii) have your employer take reasonable care of your health and safety;(iii) in some cases, receive work;(iv) have trust and faith in your employer; and(v) receive reasonable notice to end the employment (if your contract does not set a notice period).Breach of contractYour employer cannot normally change the terms of your contract without your agreement. To do so, is a breach of contract. However, if you don’t agree to the changes, your employer might decide to dismiss you. Depending on the circumstances, the dismissal may be ‘unfair’ and / or ‘wrongful’. If the changes have exceptionally serious effect on you, you may be able to resign and seek compensation for ‘constructive dismissal’.Complying with the lawIf your employer breaches any of your rights, you should speak to them. If necessary, make a written complaint and issue a formal grievance. Most employers want to comply with the law. So, a change should take place. If nothing happens, and you are a union member, see if it can help.If you want to recover compensation, you could bring legal action. You should take full legal advice first. Most complaints will be heard at a local employment tribunal.You must make sure that your claim arrives at the tribunal within 3 months. This begins from the date your employer breached your rights or, if you were dismissed or resigned, the ‘effective date of termination’. The effective date of termination is normally your last day at work. Only in truly exceptional circumstances will the tribunal allow you to make a later complaint.If your claim is successful, the tribunal is likely to say that your employer should honour your rights. You are also likely to recover compensation. Where relevant, the tribunal will say what the terms of your employment are.If you would like to find out more about the services that we provide, please visit our website http://www.mfgsolicitors.com
Yoga for Beginners: Need to Know Information!Have you thought about trying yoga? Anxious? Well don’t worry. A lot of people feel a little intimidated or apprehensive to begin practicing yoga but there is really not anything to be afraid of. Here are some tools and tips that will help you start your yoga for beginners practice in no time.What Is It?
In Sanskrit, the ancient language of India, Yoga translates to “union”. It refers to the union of body, mind, and spirit. The physical poses or postures that a lot of people in the west think of when they think of yoga are called asanas. These physical postures or asanas are just one part of the eight-limbed system of yoga. Most of this system deals with spiritual and mental aspects of the self rather than the physical.What Style to Choose?
There are many different styles of yoga to choose from. Gyms and studios usually offer hatha and vinyasa yoga for beginners classes. The word hatha actually refers to yoga in general, as all yoga styles are hatha yoga. However, classes referred to as hatha are usually slower paced, gentle, and focused on the basics of stretching and breathing in different poses. Vinyasa classes involve more movement and are more vigorous. Both of these are okay for beginners. Just remember to find classes labeled as yoga for beginners.
There are many styles of yoga to choose from and choosing the right style for you will have an impact on whether you stick with it or not. Try different styles and teachers until you find one that resonates with you. Look into the different styles, which include hatha, vinyasa, ashtanga, power, iyengar, kundalini, bikram, hot yoga, anusara, jivamukti, forrest, kripalu, integral, moksha, sivananda, laughter, and others.Where to Start… Home, Gym, or Studio?
Learning from an actual, live teacher can’t be beat, so taking a yoga for beginners class at a local gym or studio is best. Classes at gyms typically focus more on the physical workout that yoga provides while classes at yoga studios involve more mind, body, spirit aspects like meditation, breathing, and chanting in addition to asanas.If you don’t have the resources or desire to start with a class, the best thing to do is get a yoga for beginners DVD for use at home. Yoga books and yoga card decks work well for learning more about technique and specifics of poses, but starting with a yoga for beginners DVD will be easier as it requires less effort on your part. There are also many great yoga for beginners resources online like virtual classes and step by step guides.What Do You Need?
You will need a yoga mat and comfortable clothes that fit properly and are not too big. That’s it! That is all you really need. In addition, you might want to have a couple of blocks, a strap, and a towel or yoga rug depending on what type of class or style you choose, but a yoga mat and comfortable clothes are all you really need to begin.Things To Do and Know When Taking Classes:
o Shoes off: You should take off your shoes when entering a yoga studio. This helps keep the space clean. Yoga is done barefoot, without shoes or socks.
o Cell phones off: Before entering the facility, power your cell phone off.
o Arrive on time: Arrive at least ten minutes prior to class so that you have time to check in, put your things away, talk to the teacher, and set out your mat.
o Let the instructor know you are a beginner/new: Talk to the instructor so s/he knows that you are new or a beginner and if you would like help.
o Stay for the whole class: Refrain from leaving in the middle of class as it is rude to the teacher and disruptive to the class. If you decide you don’t like the class or the teacher it is proper etiquette to stay until the end.
o Don’t skip savasana: This is the final resting pose and is one of the most important and most enjoyable. A lot of people discover that it is one of their favorite poses.Put the above tips and tools to work for you and you’ll be comfortable with your yoga practice in no time! For more information on yoga for beginners, click here.
Who doesn’t want an excellent commercial design? Excellent commercial design is important to maintain the reputation and brand image of the company. As it is said, the first impression is the last impression, a good impression always attracts potential customers. It’s obvious no one would ever love to walk in a congested environment with bad lighting.
Bad design and interiors deteriorate the productivity of the employees. It can be a confusing task when planning a commercial designing project for the first time, hiring expert Commercial Architects Melbourne can be the best option to know about the latest trends and perfect matching designs.
This blog is about some basic rules to consider for making the commercial project successful.
Keep structures versatile
When it comes to transforming any commercial space, focusing on convertibility and keeping office interior decor versatile can be the best option. It can be done by implementing a versatile structure to spaces such as cafeterias, offices, and many more. Everyone gives preference to comfort hence, focusing on spatial and versatile design will help to complete commercial designing projects in an optimal way.
Consider the latest technology implementations
Technology plays a supportive role to enhance the commercial designing project. Moving forward with the latest technology is important to execute any business smoothly because technologies make the work much easier and comfortable for the employee as well as organizations. Implementing centralized and decentralized digital control is much needed in any commercial design.
Keep office aesthetics updated
Good aesthetics and interiors impact the overall representation of the office and make the place functional and attractive. Hire a reputed designer for modern décor and furniture ideas. Hiring a designer reduces half of the project stress and helps to meet the contemporary fashion and latest trends. They can help to choose the perfect theme that blends well with the office decor, atmosphere, and colour.
Provide personalized space to prevent congestion
Majority of customer prefers personalized space such as different seating to seat comfortably and do the personal work. Personalized space is one of the crucial factors for customer-based service offices such as hotels and cafeterias to provide an ambient and comfortable place.
Always keep safety first
Safety is the central feature of every construction and designing project. Hence, it’s the high-priority factor to keep the aesthetic and functional safety at the working place. It can be compromised for interior decoration and design purposes but it’s not at all affordable to compromise for safety purposes.
Following the above useful ideas can easily help in the successful completion of a commercial designing project in a safe and pleasing way. In today’s, modern construction, reliability, and comfort is also an equally important factor.
It’s important to hire the experienced Building designer Melbourne to make the commercial designing project worthy. Hope the above rules helped you to scale up your interior designing projects with a better outcome. Follow the above tips for any renovation or remodelling project and surely you will get award-winning and achieve a better office experience.