business jobs wedding photographer

  • When conducting business, Lucas Kraus Photography ensures that we run a flexible and effective business model. We make sure we meet with all of our clients on a 1 to 1 basis. We are polite and welcoming and answer any questions clients may have. We are upfront and honest and are transparent when coming to our packages and pricing

    We always ask for a 20 percent retainer which is required to hold the clients date. Balance is payable on the day of the wedding, however many clients like to pay earlier which is fine. It is very important that we are there to answer any questions our clients may have and help guide them through the wedding planning process.

    Our business model is one that is flexible. Clients like to be able to control their packages and add or subtract hours and albums if necessary. Our clients have full control of their wedding photography packages and even build their own if they that is what they want.

    We offer a range of services including photography, album printing and design, onsite printing and videographer. We can also provide a second photographer if that is what the client wants.
    We have a pool of around 4 to 10 second photographers which help us build our business and add to client satisfaction.

    We have been photographing weddings for over 7 years and developed a business that is both successful and rewarding. If you are looking for a professional Sydney wedding photographer then look no further than Lucas Kraus Photography.

    Sydney Wedding Photograpy

    http://www.lucaskrausphotography.com/wedding-photographer-in-sydney/

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5 Steps to a Successful Loan Broker Business

5_Steps_to_a_Successful_Loan_Broker_Business

A loan broker business is a lucrative career move for anyone looking for the freedom to make their own hours and build real professional relationships. Loan brokers can work from anywhere and the income potential is virtually endless, making this business a smart move for anyone. If you have decided to make the switch and become a loan broker, you will need to know the basic steps to becoming successful in the business.

Loan Broker Business Training

There are many choices for loan broker training and you will need to sift through and choose the best one for you. Look for training that offers everything from learning materials to marketing packages and mentoring to get the most from your courses. Most loan broker business training courses take approximately one week and will provide you with a LOT of information. Be sure that the course you choose will provide all of your learning materials in print so that you can look back at them after training is complete. Do your research, listen to testimonials, and choose your loan broker training wisely.

Market Your Loan Broker Business

A loan broker business will require special marketing techniques that traditional business may not use. It is important to brand your loan broker business and create top of mind awareness at every chance you have. Social media marketing will start conversations and get people talking about your loan broker business. When you begin your business, it is important to decide what niche your loan broker business will market. If you have a particular focus on the restaurant industry, for example, market yourself with a restaurant focused brand. Marketing your niche is very important to the success of your loan broker business.

Mentor To get Questions Answered

In the loan broker business, a mentor is an asset that you can’t forego. When you start your business, you will inevitably have questions that you won’t have the answer for. A mentor can not only provide those answers, but they can provide you will real examples and experiences. This knowledge can not be found within the pages of a book. Make sure that you choose a loan broker training program that offers a mentor after the course is over. Commercial Loan Broker Institute at offers loan broker business mentoring after training.

Network For Success

Networking is going to become a huge part of your loan broker business. You will need to be constantly networking for clients, bankers and lenders. The larger your network, the more deals you will be able to complete and that means more income for you. Make sure that your network includes every type of business, lender, investor and bank that you can think of. You will want to make sure that you can fund every business and you will need to have the resources to do so.

Educate Yourself Constantly

After your training is complete, you will need to get some continuing education to make your loan broker business stay ahead of the competition. The loan broker business changes regularly, and the only way to ensure that you are aware of every change is to continue your education regularly. Look for training that offers continuing education and take advantage of it.

Owning a successful loan broker business may not be easy, but it doesn’t have to be stressful if you know what steps to take. Follow these steps and you will be well on your way to owning a loan broker business. Visit  for more information about the training program and options offered.

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The Perfect Commercial Lender Training Course

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If you are searching for a commercial lender training course, there are hundreds of available to you. A quick online search will yield tons of results that can be overwhelming to sift through. How do you choose a training course that will help you succeed in the commercial lending field? What makes one course better than another? Since everyone learns differently, you will want to consider what course is right for YOU rather than which course looks the best at a glance. There are a few things that you should consider when looking for the perfect commercial lender training course.

Location, Location, Location.

Lender training courses can be taken online or in person and they will vary quite a lot from one another. An online lender training course will likely require more time studying the material on your own than an on location class. For some people it is easier to learn when information is given to them in person. Others learn better when they are free to study on their own time. You should consider the type of course that will suite your learning style and your schedule before choosing.

Commercial Lender Training Course Syllabus

Commercial lender training should not only teach you how to be a business loan broker, but you should also learn how to run a business in general, how to talk to clients, and how to network with other lenders. Be prepared to learn how to calculate loan amounts, interest rates and commissions. A great commercial lender training course will offer marketing materials that you can use for your business. A really great course will offer personalized documents, training materials and a website to get you started. Some training even provides mentoring in your home state and city which allows you to obtain on-the-job experience. You should look for courses that are taught by professionals, people with real experience in the field of commercial lending.

Time Commitment

Commercial lender training courses are generally 3 – 10 days long and will require your undivided attention for that period of time. If you find a course that is less than 3 days long, you can usually be sure that this course is not going to give you the training that you will need for success. After the initial training, you should expect to continue learning for another 6 months or even a year. This is where having a mentor comes in handy. Choose a course that provides you with some type of continued support after initial training is complete. Your success will be a continual learning experience throughout the course of your career. When choosing the right commercial lender training course, it is important to know that your training should never really come to an end.

Getting Started

After your courses are complete, you will be ready to start funding businesses and creating your network. Your commercial lender training course should offer a lending network to get you started and it should also offer business materials like branded documents and checklists. Make sure that your mentor is on speed dial because you will likely have questions and will need advice when just starting out. If your training course does not offer a mentoring program or continuing education, you can often find someone to shadow by reaching out to seasoned brokers for help. Remember, this is a business of people and by asking for help, you are revealing your humanity and in turn, building trust.

Commercial Lender Marketing

You will find that there are many courses available for commercial lender training. Each will have features that are appealing to you. The key is to find a course that is not only tailored to your learning style, but one that offers everything you need for success.

The perfect commercial lender training course is out there, you just have to know what to look for and what you want to get out of it. The Commercial Loan Broker Institute is a great place to get your questions answered and to learn more about different types of commercial lender training courses. The decision to become a commercial loan broker should not be taken lightly and you should get serious training to obtain serious success.

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Why You Must Take Charge of Your Estate Planning

 

A cautionary tale that reminds us of the importance of establishing and maintaining a comprehensive estate plan.

Danny and Manny – two visionary brothers – opened a small electronics store just as personal computers were starting to really take off in the early 1980s. Convinced that personal computing was the next big thing, they rented a cramped retail space for their first store, The Computer Hut. Their company, Fatherboard, Inc. (an S Corp.), struggled in the early days, but the business grew steadily over time. They expanded to more stores, ultimately becoming a huge computer retailer. Danny’s sons, Jimmy and Jack, grew up in the family business, driving the company’s expansion into new markets. Danny and Manny frequently discussed their plans for the boys to one day own and manage Fatherboard, Inc.

Manny was the financial genius behind the operation, creating and maintaining an estate plan for the security of his family. He insisted on a buy/sell agreement from the very beginning – funded by life insurance – acquiring additional coverage as the value of Fatherboard, Inc. increased. Danny was just the opposite, always procrastinating when it came to financial planning. He acknowledged the importance of having a comprehensive estate plan, but Danny died with only a will, leaving everything to his wife, Fanny. Upon his passing, the buy/sell agreement kicked in, valuingFatherboard, Inc. at $50 million. The company received $25 million in life insurance proceeds – funds which were subsequently used to purchase Danny’s half of Fatherboard, Inc. for $25 million in cash. As his wife, Fanny inherited this money free of estate taxes, but her heirs won’t be as fortunate. When she passes away, substantial estate taxes will be assessed against the wealth she leaves behind.

Manny wanted to treat his nephews fairly, so he sold half of his Fatherboard, Inc. stock to an Intentionally Defective Grantor Trust (IDGT) for $25 million – making Jimmy and Jack beneficiaries of the trust. The company’s cash flow will be used to pay Uncle Manny $25 million for the stock (plus interest), which will be free of both income and capital gains taxes. Once Manny receives these proceeds from the IDGT – and the stock has been distributed to his nephews – they will each own 25 percent of Fatherboard, Inc., just as their father had intended.

So, here’s the takeaway from this story: (1) You need a comprehensive estate plan to protect your family’s wealth from high estate taxes; and (2) Failing to keep your estate plan updated as circumstances change will ensure that the IRS gets a larger chunk of your wealth once you’re gone.In order to sustain the money you make today, you must create, implement and update your estate plan as circumstances change.

At Werbin Rubin,our personalized approach to estate planning ensures all of your preparations are handled safely and confidentially. As your trusted financial advisor, our focus is on empowering you to provide for your loved ones in a tax-efficient manner while protecting your assets, reducing risk, and complying with federal and state rules and regulations.

ADVISOR SERVICES THROUGH WERBA RUBIN ADVISORY SERVICES, LLC.SECURITIES THROUGH LORING WARD SECURITIES INC., MEMBER FINRA/SIPC # (04/10) © 2016 WERBA RUBIN ADVISORY SERVICES, LLC

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The Value of Smoke Alarms

A smoke alarm is a smoke detector that can alert you that fire has started. One of the main advantages of installing smoke alarms is the ability to get early warning. Smoke alarms can be installed anywhere inside your home. Early warning is very important since fires can occur in any place at any time. It is recommended to install smoke alarms in every floor of your house because fire can ignite when you are out of the room or a section of the building of your home. You will definitely be alerted in case of fire emergencies when smoke alarm is connected to a remote monitoring station. The early warning is significant to life safety due to the following reasons:
• It will increase evacuation time before fire spread out of control
• Emergency medical help will be available sooner to save lives
• Fire Department assistant will get enough time to help people leave the building safely
The following are features of complete fire safety equipment reported by Crossfire Alarms:
• Smoke alarms
• Fire extinguishers
• Emergency doors
• Exit lights
You will use too much money and time to recover from a fire. In this case, you should always make sure that smoke alarms are located at sections that can easily catch fire. The alarms are definitely the best investments you can make with your business. Alarm installation in your home will enable you to reduce the risk of fire to you and to your family members. These life saving devices will definitely safe life for your home occupants. The devices provide critical sounds and detect smoke with an aim of implementing actions to save property and life.
Installation of smoke alarms is the only way you can get peace of mind and total security in your home. If you are more concerned about keeping your family and property safe, you should buy fire alarms.
Types of smoke alarms available
The following are different types of smoke alarms available:
Ionisation
These are the cheapest alarms and are highly sensitive to smoke particles. These types of alarm detect smoke before fire spread out of control. They are however less sensitive to slow burning and can get over sensitive near kitchens.
Optical
These types of alarms are a little bit expensive but they are more effective at detecting smoke particles that are produced by fires. You should keep in mind that these types of alarms are less sensitive to fast burning fires.
Heat alarms
These alarms are responsible for detecting the increase in temperature and they are not sensitive to smoke. In this case, you are recommended to install these types of alarms in your kitchen.
Combined heat alarms and optical smoke
Combined heat alarms and optical smoke will improve the level of detection and will reduce false alarms
Combined carbon monoxide and smoke alarms
These are alarms that combine alarm protection and smoke detection in a single unit. This will indeed reduce costs and will take up less space in your home. These types of alarms can be powered by batteries or electricity.

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Debt Collection Agencies Succeeding As Consumer-Oriented Businesses

For decades, consumers have seen debt collection agencies as predatory companies. People are used to receiving harassing phone calls and mistreatment from these agencies. Recent years have seen the best debt collectors turning the industry around, though. In fact, many such businesses continue to become more and more customer-oriented as time goes on. Collection agencies still want to recoup debts from consumers, but they are starting to cater to the needs of the consumer.

Debt Collection Agencies Are Revamping Their Images

Most consumers have heard horror stories about collection agencies. Of course, terrible and ruthless agencies still exist today. The industry as a whole is improving its approach to collection practices today. Leading collection agencies treat every consumer with respect, no matter how much money he or she owes to a creditor. Instead of using aggressive practices, these agencies are opting for amicable solutions that consumers need. By helping consumers settle debts, collectors end up recouping more debts.
Debt collectors have to advocate for their clients and held debts most of all. However, consumers are weary about dealing with collectors. They expect to receive threats and unfriendly service from such companies. A collection agency that’s amicable and consumer-focused achieves better results. For obvious reasons, consumers are surprised to receive solutions that actually help their financial situations. Receiving friendly service is even more of a surprise, but this approach can make a difference in collecting debts.

An Example From Capital Billing Service, LLC

Capital Billing Service, LLC recoups debts owed for commercial and consumer accounts. It’s a full-service accounts receivable management firm with years of experience. Since its inception, the company has been based in the United States. Quality agents, ample experience, and advanced technology have led the company to success. Cutting edge tactics and technology make Capital Billing Service an industry leader, and moving toward a consumer-oriented business is a switch the company made years ago.
In that time, Capital Billing Service, LLC has seen incredible results. The company has successfully collected on thousands of accounts from consumers and other businesses. Consumers have nothing but positive things to say about the company after dealing with the firm. Without a doubt, providing real solutions to the people that owe debts results in a better recovery rate on debts. This particular company has known that for years thanks to a dedication to innovation and excellent service.

Everyone benefits in the debt collection equation with this approach after all.
Visit www.CapitalBillingService.com and learn what today’s debt collectors are all about!

References

http://www.consumerfinance.gov/askcfpb/search/?selected_facets=category_exact:debt-collection
http://www.consumer.ftc.gov/articles/0149-debt-collection

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Americans in Canada: Investment Basics

It’s a good idea for Americans living in Canada to understand which kinds of registered investment accounts they can have without having to confront onerous taxes and paperwork.

 

Two kinds of plans are friendliest for Americans: The Registered Retirement Savings Plan (RRSP) and the Registered Retirement Income Fund (RRIF).

Effectively, U.S. citizens are simply taxed on the distributions from these accounts as they would be in Canada.

 

On the other hand, Americans should generally avoidTax Free Savings Accounts (TFSA) and Registered Education Savings Plans (RESP). The IRS considers both to be offshore trusts, and as such, they involve burdensome filing requirements, with significant penalties for non-compliance. What’s more, their accrued earnings are taxable in the United States.

 

Check out Terry Ritchie’s recent Globe and Mail video segment for more details about U.S. citizens investing in Canada.

 

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7 Ways to improve data centre operational proficiency

 

In the present era, the scenario of data centre and how it’s being used, is changing quite rapidly. There are many enterprises that are integrating the new technology solutions to evolve and modernize their organizations. This is mainly because they want to ensure the appropriate level of IT service delivery in order to satisfy their customers. This also helps them achieve the business goals in a cost effective way. Since most businesses are opting for the data centre services these days, data centres are responsible for offering maximum possible flexibility, scalability and availability from their end. This is why data centre service providers are focussing on improving the level of their services. They are ready to take different steps in order to improve the operational efficiency as this will, in turn, help them retain their customers.

It’s true and known to all that cost containment is one of the most significant benefits of improving the operational efficiency of data centres. Apart from that, it also enables the service providers to serve the core business needs better. Here are seven effective ways to manage the data centre operations better –

  1. Design for flexibility – Make sure the data centre has been designed in a scalable way so that it can cope up with the rapid changes in the technology. It should be able to build new capacities in smaller increments.

 

  1. Arrange the right availability and capacity – While designing a data centre, you should ask for industry experts’ advice. They will be able to forecast the appropriate availability and capacity of a data centre so that it helps you meet the primary business needs.

 

 

  1. Optimized total costs – While designing a data centre, the trade-offs between the operating costs and the capital should be included in the total package. Moreover, the power consumption and the energy efficiency of the facility should be measured in real time. This will help keep the costs optimized to a great extent.

 

  1. Incorporate the latest technology – Using the latest technologies in the daily work process is always helpful to move the workloads and optimize the systems. This will also allow you to utilize the converged infrastructure like the server, networking and storage systems.

 

 

  1. Move to virtualization – One of the best ways to improve the operational efficiency of a data centre is to move beyond consolidation to virtualization. You can consider using automation and software tools in order to improve the SLA performance. Using the advanced tools and technology will help you move the virtual images between data centres and the physical servers, as and when needed.

 

  1. Increase the storage optimization – In order to improve the data centre operational efficiency, it’s important to focus on the storage capacities. It has been observed that market leaders prefer to implement four to six times more storage devices and follow more advanced techniques like deduplication, thin provisioning and virtualization, as compared to the other service providers.
  2. Plan and execute a network strategy – Finally, you should follow a holistic approach and consider a long term view that allows you to consider the operations of servers, storage devices, applications and network. This helps you maintain an end to end manageability that is perfectly balanced against all the financial and business goals. This will help you enhance the operational efficiency of a data centre.

There is no scope to deny the fact that data centres are always under pressure to modify their offerings in order to fulfil the constantly changing business requirements. Although there are different approaches following which the goal of improving operational efficiency can be achieved, these are seven of the most effective tricks that any and every business should follow.

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KETOPIA – BURN FAT, DON’T ABUSE CARBS

KETOPIA – BURN FAT, DON’T ABUSE CARBS

Thousands of years ago, our ancestors lived predominately in nutritional ketosis by eating a primal diet—living off the land and sea. Eventually, commercialism drove man to invent new foods that were cheap to produce and addicting to consume. This craving-packed “carboholic” culture was born. We are now the sickest, heaviest generation ever; the first predicted to outlive our children. We have gone primal to carnal, from the village to concrete, from ketosis to “Mctosis”!

It’s time to press the reset button, and stop borrowing life and energy from our future. Health is a habit, not an event. We cannot create and sustain our dreams if we are stepping over our health to get there. Ketopia is our opportunity to take fat and turn it into energy; to reenergize our bodies and self-worth. You are one KetonX drink away from being on the bridge to Ketopia, and you’ll know when you’re there!

Many leading scientists, medical professionals, and nutrition experts agree the ketosis lifestyle is the pinnacle of health and wellbeing. Ketosis is a natural metabolic state where the body burns fat for most of its energy rather than carbohydrates. Fat offers the body 225% more energy than carbohydrates. Today, most people have sugar-burning bodies, not fat-burning bodies. Fat-burning bodies typically experience better energy and fewer cravings due to balanced blood sugar levels.

Typically, without several days of fasting or sticking to unrealistic diet plans, our bodies cannot reach ketosis and take advantage of this energy. So unless you’re a monk or have serious discipline and nowhere to go, nutritional ketosis has been believed to be out ofreach… until now.

 

Ketopia is not a diet; it’s a lifestyle!

Each product in the Ketopia system leverages the latest breakthroughs in science and nutrition to make your health goals realistic and tangible. Since health is habit, not an event, Ketopia was designed to supplement your healthy lifestyle to help you feel and look your best.

SCIENTIFIC BREAKTHROUGH

A recent scientific discovery at the University of South Florida determined that the body will begin to convert to a state of nutritional ketosis in a matter of hours when the perfect ratios of specific natural ingredients are ingested. This patent-pending blend of ingredients is featured in KetonX. This technology has been developed over years of ketone research by Dominic D’Agostino, PhD.

In today’s world, foods are chemically altered, full of sugars, carbohydrates and empty calories, making them cheaper to produce and more addicting to consume. This craving-packed “carboholic” culture tempts us at every turn and entices our children. It’s no wonder why we are sicker and heavier than ever!

Being in ketosis means your body switches its energy source to fat, instead of carbohydrates. Fat offers the body 225% more energy than carbohydrates. Most people have sugar-burning bodies, not fat-burning bodies. Using fat as your body’s primary fuel source helps to balance blood sugar levels, which translates to fewer cravings and better energy.

When working toward weight management goals, it’s important to also understand how hormones affect your body, specifically insulin and glucagon. Insulin tells your body to store fat, whereas glucagon tells your body to burn fat. Carbohydrates are insulin-responding foods, which means they tell your body to product insulin, which in turn tells your body to store fat. Moving to a fat-burningbody by staying in ketosis will lower the number of insulin responses in your body, thus allowing your body to burn fat more effectively.

Understanding how insulin contributes to (or detracts from) your weight management goals is important as you begin your Ketopia program.

The body produces insulin, a fat-storing hormone, to digest foods that are high in carbohydrates. Eating a diet high in carbohydrates leads to high levels of insulin in the body, which blunt the body’s ability to break down fat for fuel. As an alternative, the body is forced to rely on glucose (sugar) for fuel, which makes reaching your weight-management goals more difficult.

In today’s world, we encounter countless meal replacement shake options that claim to help us reach our weight management goals. Many of these are loaded with hormones, sugar, second-hand antibiotics, genetically-modified fillers and chemicals—all ways for product manufactures to cut corners and reduce costs.

Unfortunately for us, our bodies are not designed to digest and utilize most of these ingredients! Instead of supporting our goals with nutrition many of these products are actually depleting our bodies, leaving us wanting more, which ultimately can lead to additional unwanted weight gain.

Protein is also an essential building block in the human body. It is found in every cell in the body, and makes it possible for the body to repair and rebuild damaged cells as well as produce new cells. Protein plays a crucial role in the healthy development of muscle, bone, skin, and hair and is essential to the body’s ability to produce enzymes and hormones.

Since your body doesn’t process it the same way it processes carbohydrates and fat, protein is important in managing cravings and maintaining healthy blood sugar levels making it an important component in achieving healthy weight management goals.

Get Lean in 10 Days

 

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Merchant Service Becomes Increasingly Affordable

As consumers grow more comfortable with purchasing products online, more and more businesses are expanding to provide services and products on the internet. In order to accept payment, these businesses must implement a merchant service solution to process payments. In past years merchant service packages were very costly, with credit card payment processing systems costing as much as merchant accounts used by physical retail stores. Many smaller businesses simply cannot afford the expenses involved in maintaining these traditional merchant accounts.

The good news is that as internet business continues to grow, merchant service packages have become progressively more affordable. What used to cost businesses hundreds of dollars per month, not including individual transaction fees, for basic merchant account services, is now available for a fraction of the cost. In part the lower costs of merchant operation with regard to the processing of payments online are due to improved payment processing software as well as other integration improvements between database information and point of sale websites.

Merchant service accounts for processing online payments have also become highly sought by those taking part in the online auction industry. Cheaper, revolutionized forms of online payment processing have made it possible for even the smallest businesses and individual sellers to accept payments online. There are several popular merchant services provided by internet companies that do not even require the procuring of a traditional merchant account. This means that sellers and businesses can afford to accept online payments because there are no monthly fees. These types of merchant services generally charge a per transaction amount, as well as a percentage of the total bill amount.

Usually these same contemporary merchant service solution companies also provide more extensive packages comparable to more traditional merchant accounts. With these extended merchant service packages, clients are able to process additional forms of payment, such as lesser known credit cards, debit cards and online or electronic checks. Additionally, the more comprehensive merchant service packages offered by these affordable internet payment providers allow clients to process credit cards and other forms of payment directly through their websites. In the past, merchant account services similar to this cost anywhere from hundreds to thousands of dollars per month. Now, however, it is possible to secure high-end merchant account payment processing and notification services for much less than one hundred dollars per month. Innovations in these areas of merchant services have made it possible for small business owners to thrive on the internet.

Take a little time to research some of the various merchant services that are available to you. In today’s net-ready world, there are literally hundreds of top of the line merchant service packages from which to choose. This means that you will be able to find the merchant service package that best fits your needs as well as your budget. Some things to consider in choosing a merchant service account and provider are the monthly fees associated with maintaining your merchant account. There are also usually fees that apply to individual transactions. Many times, providers offer several different packages, such that depending on your volume of sales, you can pay lower per-transaction fees for an increased monthly account fee. Again, it is worth taking the time to compare the different merchant service packages in order to determine the most cost effective plan for your individual business.

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