Archive for October, 2008

Your Transnational Real Estate Market: Accomodated by The Property Index

Posted in Regional Sources on October 31st, 2008

PropertyIndex.com make it easy to find property in Spain, whether you are looking for a villa or an apartment, they can help you find the right property.

Albeit the Property Index service is really a new kid on the block enterprise, doing business since March 2007, they have fast advanced to expert status. They are a very easy enterprise devoted to offering their expert guidance to essentially anyone who is designing to buy property across the world. Their affirmation is to offer you assistance to unearth squarely what you crave quickly and, further, painlessly. Property is in most parts of the world today, one of the coolest areas being land available for sale in Spain. It’s easy to tally the wonderful real property available in Spain, one explanation for opting for property here being the houses and apartments available and the terrific option to live right amid this vibrant people.

It’s one of the truly fashionable markets today, and in view of the scenic beauty and the sunshine that surrounds you night and day, how could you ever be wrong! Property in Spain is very rich in history and culture, this geographical region has a long tradition as a home to more than a few indigenous nations. Some twenty years ago you’d find merely a dribble of Englishmen looking for real property in Spain. Ask just about anyone who has emigrated to Spain and they’ll certainly back this up. Lots of people would are tagging it a fairly insignificant fashion and others are tagging it a almost an addiction. Clients who are intent on removing to this place may extend from young urban couples looking for an exciting new perspective to the older generation meaning to relax and enjoy themselves.

Note, though, that you may have to wrestle with a few setbacks when acquiring real property in a foreign market - as is to be expected, there will be dozens of steps to come to terms with be it when devising a plan, paying a visit or finalizing the deal. If you only miss but a single procedure this is liable to give rise to wide-reaching setbacks plus, even more importantly, a failed investment. As everybody will expect with this sought after destination, real property could be rather upscale in this area and that’s just a result of the great buyer demand. In spite of this real estate buyers are very spoilt in such a place so richly blessed by sensational geography. It has all, stock and barrel, anyone might ever imagine, etc.

Secured Loans Overview

Posted in Loans Center on October 30th, 2008

One of the most popular ways of borrowing money is through a secured loan. What ’secured’ means is that some property, such as a house, is used to guarantee the loan. If you fail to meet repayments, this security is taken by the lender. Although any property can be used to secure a loan, the most common types for personal loans are houses or automobiles. Most of the lending occurring right now in Britain will be on a secured basis.

It appears that consumer lending in 2005 will be slightly less than 2004. Borrowing is still high, but it appears as if consumers are making an effort to keep borrowing more under control. Mortgage loans are constitute the bulk of lending. Home equity loans are also very common. The difference between a mortgage and a home equity loan is that a mortgage is borrowed to buy a house, and it is also secured over the house. A home equity loan is when you already own a house, so you borrow for another purpose but still secure the loan over your house.

Secured loans are so popular for a number of reasons. While there are risks high risks to secured loans there are also great benefits.

Benefits of a secured loan

  • It is easier to be approved for the loan.
  • The amount borrowed can be much higher.
  • The interest rate will be a lot lower.
  • The terms will be less onerous as for unsecured borrowing.

    However the major risk is that if you fail to keep up with repayments, the security, which will usually be your home, is at risk. The lender can sell your home to get the value of their loan back. Such a risk needs to be considered very seriously. Losing ones home is the ultimate financial penalty. While there are safeguards, and your home will not be repossessed without a court order, the end of the line is repossession. Likewise, auto finance is typically secured over the vehicle you are seeking to buy. If you fail to make your car payments, the vehicle, which may be the only form of transportation you have, will be repossessed. There are also a number of long term consequences to defaulting on a loan.

    While borrowing on a secured basis will give you access to more credit at better rates, all borrowing does ultimately depend on your credit report. The better your past behavior and credit rating, the more willing banks and other lenders will be to taking you on as a creditor. If you have a poor credit rating, you should consider borrowing a small amount and paying it off properly to improve your rating. This will put you in a better position when it comes to the really big purchases of life such as a new house.

    Joseph Kenny is the webmaster of the loan information sites www.selectloans.co.uk/ and also www.ukpersonalloanstore.co.uk. At the Personal Loan Store you can find some of the latest secured home loans explained in detail.

  • Unsecured Personal Loans - When you are your guarantor and not your home

    Posted in Loans Center on October 30th, 2008

    Sustainable development is at the heart of every human dream. You work hard every day and you grow emotionally and financially every day. Yet you find that you are still short of money when you want to buy something. There are smart ways to fill in for this financial gap. These are called personal loans. There is one personal loan for every occasion. Yes, even if you have no security to offer. There is a name for this smart borrowing method - unsecured personal loans.

    Not everybody is easy with placing his home or any other dear possession for taking loans. This is highly understandable. The worst case scenario with secured personal loans is like repossession of home or property. May be it is just a possibility but still it is a possibility. If you do not want to comply with such a demand, unsecured personal loans are the ideal choice. If you are tenant then you won’t find a better and a more deserving way to borrow money than unsecured personal loans!

    Well, if unsecured personal loans don’t ask for security, what do they ask for? Since loans are a profit making business what does the lender have in for him? Well that would be - interest rates. Interest rates for Unsecured Personal Loans are higher. But that does not mean that unsecured personal loans are expensive and out of reach of any regular borrower. Interest rates for unsecured personal loans are relatively higher than secured personal loans.

    Interest rates for unsecured personal loans are well defined by banks and other lending institutions. Lenders may still find that they are not offered advertised interest rates for unsecured personal loans. Interest rates on loans are a very ‘personal’ thing. This implies that rates are dependent on some factors. Scoring well on these factors will mean getting better rates.

    Credit ratings are a very good way to get better interest rates with unsecured personal loans. Since you are not placing any security, your credit rating will be a picture of your credit worthiness. Find out your credit score before you apply for unsecured personal loans. Unsecured personal loans are possible for those with bad credit history like late payments, arrears, CCJs, bankruptcy etc. It is not that you won’t find unsecured personal loans for bad history; it is just that the accountability is in terms of interest rates.

    Fixed or variable interest rates for unsecured personal loans are available. Interest rates are vulnerable grounds to tread on for both borrower and lender. They can make or break the loan lending decision for any borrower. Since borrowing market is basically consumer oriented, the choices for unsecured personal loans are many. In other terms it means - competition. Competition reduces interest rates and you may find better interest rates for your particular condition.

    To find better rates for unsecured personal loans you would have to look through the internet. You will see extensive loan sites which offer unsecured personal loans. The loan amount that you qualify for with unsecured personal loans is £500-£25,000. Repayment term will be 6 months to 10 years. Unsecured personal loans can solve any kind of financial problem like holiday, home improvement, debt consolidation, wedding, car or whatever that shows up your doorway.

    Unsecured personal loans at the end of the day are loans. It will have to be paid back. Though the lender cannot claim your property if you fail to repay but he can still legally claim his money through any civil procedure which will ultimately mean risking your home. Unsecured personal loans on which you have faltered will show in your credit ratings.

    Unsecured loans take lesser time for approval. There is no collateral that has to be reviewed for approval. But before you apply have you reviewed the checklist. No?? Check for pre payment penalties, interest rate, loan term, reputation of lender, your credit rating. What else? Read, gather information, do whatever it takes to find a good unsecured personal loan. Just remember - there are ways to smart living and they don’t always ask for guarantee.

    Peter Taylor is a senior financial analyst at easyfinance4u with an acumen for finance and insurance. In recent years he has taken up to provide independant financial advice through his informative articles.His articles are widely read because of the lucid manner of wriiting and thoroughly researched datas.To find Secured loans,secured personal loans,secured debt
    consolidation loans in uk that best suits your need visit www.easyfinance4u.com

    Obtaining a Small Business Loan

    Posted in Loans Center on October 27th, 2008

    Whether you are starting a manufacturing company or opening up a coffee shop, SBA loans are the way to finance your small business. Small business loans are loans that are guaranteed by the Small Business Administration, which was started to assist entrepreneurs in forming successful small businesses. According to federal government research, small businesses employ fully one-half of America’s private sector workforce and over 99 percent of all employers in the U.S. are small business owners.

    There are several benefits to SBA loans, including the many licensed lending partners nationwide. The SBA establishes guidelines, reasonable loan terms, and is able to offer better interest rates and options to businesses in the early stages of development.

    There are some difficulties in obtaining a small business loan, however, beginning with the requirements for potential borrowers. Lenders will consider the size of your business, including number of employees, and your company’s average revenue in certain industries, such as construction or wholesale.

    When you call your lender to be considered for a loan, plan on answering a lot of questions about your business. Some information they might ask you for is a business profile (type of business, sales revenue, number of people you employ, and how long you have been in business), a description of the money you need and how you plan to spend it. Also be prepared to provide collateral and explain how you plan to secure the loan.

    There are several different types of SBA loan options available, including:
    •Basic 7(a) Loan Guaranty
    •Certified Development Company (CDC), a 504 Loan Program
    •Microloan, a 7(m) Loan Program

    More information about these types of loans can found through your private lender, or the Small Business Administration.

    To learn more about the SBA Loans offered and to see if you qualify for one, visit Security National Capital today.

    Michael Southard is the Vice President of Security National Capital.

    Manhattan New York’s Centerpoint

    Posted in Travel Infos on October 27th, 2008

    Manhattan represents the foundation of New York City and has become synonymous with the city as a whole. The island of Manhattan itself is home to Times Square, as well as a number of artistic and cultural centers. Manhattan can be roughly divided into Downtown, Midtown and Uptown areas, each of which include a number of first-class points of interest.

    Situated to the south of 14th Street, Downtown Manhattan is the setting of the Financial District which runs along Wall Street, including the rebuilt World Trade Center and Battery Park, from which you can access the Statue of Liberty by ship. Quite a few popular cultural areas downtown, including Greenwich Village Tribeca and Soho feature historic architecture, the latest eats and plenty of shopping. Another admired destination downtown is Manhattan, which runs along Canal Street.

    The Midtown area is located between 14th Street and Central Park, and includes a prominent arts scene. The center|core|axis|hub|heart} of arts life in the metropolitan area is the Theater District which is home to Broadway, Times Square and Hell’s Kitchen, as well as the Air & Space Museum. The Midtown area is a well-located spot for travelers to stay as there are various New York hotel options in the section. Other well liked districts consist of Gramercy Flat Iron, a trendy residential section, as well as the fashion-centric Chelsea District.

    Dominated by Central Park, Upper Manhattan features the Belvedere Castle in Central Park, the Solomon R. Guggenheim Museum and a number of museums throughout the Upper East and West side. Moreover, the area is thesetting of Columbia University in Morningside Heights, the historic Harlem community and Washington Heights.

    Every one of the Island of Manhattan’s matchless areas maintain their own sense of history, as well as trendy selling points from outstanding arts to eats. A jaunt to New York is not whole without a thorough tour of Manhattan’s greatest destinations. There is an excellent reason that Manhattan has come to characterize the public face of New York. Manhattan is one of the world’s greatest cultural capitals and continues to lead the way in commercial and metropolitan trends.

    Don’t Let Your Personal Loan Become A Personal Moan

    Posted in Loans Center on October 24th, 2008

    Most of us have been in a position at some point when we simply have had insufficient funds to pay for something. This could be car insurance/repairs, course fees, holiday, Christmas presents, electrical items or even the weekly shopping. According to Credit Action, 2.4 million personal loan agreements were recorded in the first quarter of 2005, totalling £13.5 billion. The national debt education charity reported that 30% of the personal loans were for cars, 24% for home improvements and 20% for debt consolidation. The total outstanding balance for personal loans reached £93 billion by March 2005.

    Personal loans can help you out of a difficult period when cash-flow is restricted, but don’t go for the first one you find or you may find that your loan becomes a lifetime commitment and lifetime strain. There are numerous personal finance comparison websites available for personal loans including moneynet, moneyfacts and lowermybills.

    In their consumer loans guide, moneynet advise that as a general rule of thumb, the more you borrow - the cheaper the rate of interest. For example, a loan of £1,000 may carry an interest rate as high as 20% - reportedly justified by the lenders because of the relatively high administration costs associated with arranging a loan. For larger personal loans, lenders might only charge interest rates of around 6%.

    Personal loans fall into two categories: secured and unsecured. Unsecured personal loans are the most popular, as secured loans may jeopardise the borrower’s property or other asset. Secured loans are arranged on the assumption that the borrower puts up a form of security to the lender, typically the borrower’s property. This allows the lender to take ownership of the asset should loan repayments be jeopardised. Whilst the prospect of losing your home may seem like a major disadvantage, the benefits of a secured loan often allow you to borrow more money at a lower rate of interest.

    Despite such benefits however, most people are reluctant to lose their home and therefore take out unsecured loans because of this.

    When reviewing personal loans and researching the cheapest loan on offer, you should be aware that you need to investigate the terms and conditions, as well as the annual percentage rate (APR). Note that if your credit history is poor - then the terms of the loan may reflect this. Do your homework on redemption penalties and any other charges which might be associated with your loan. Some lenders will also offer payment breaks (deferred payment) either at the beginning of the loan period, or perhaps during the term, but again read the terms and conditions and check that excessive interest will not accumulate over any break periods.

    Personal loans in the UK are governed by the Consumer Credit Act 1974, but remember that you are ultimately responsible for borrowing a given sum of money and that once you sign a credit agreement, you are bound by the terms and conditions.

    If you are finding the repayments challenging, always tell the lender as soon as possible and remember that any loan repayment problems are likely to be captured in your credit record/history, which will later impact on any other borrowing.

    Resources:
    http://www.moneynet.co.uk/loans/index.shtml (loan comparisons)
    http://www.moneynet.co.uk/personal-loan-guide/index.shtml (personal loan guide)

    Rachel writes for the personal finance blog Cashzilla: www.cashzilla.co.uk

    Low Interest Payday Loan - How To Figure Out The Apr Of A Payday Loan

    Posted in Loans Center on October 23rd, 2008

    The annual percentage rate (APR) of a payday loan is a helpful tool to compare rates of lenders. According to the “Truth in Lending Act,” passed by Congress, payday companies are to provide you with the APR. Some companies list this information on their site, while others only provide the fee amount and give you the APR after you have submitted an application.

    You can figure out the APR based on the fee amount by using the following formula. This way you will have an accurate way to compare costs, enabling you to find the best deal.

    The Formula

    Begin by multiplying the payday loan fee by the number of pay periods in a year. So if a payday loan lender charges a fee every two weeks, then there are 26 pay periods.

    For our example, we will use a loan fee of $15 for every $100 borrowed. This is a typical rate, although you can find lower rates for first time borrowers.

    The formula looks like this:

    15 (loan fee) x 26 (pay periods) = 390

    The 390 equals the yearly charge for the loan. To find the percentage rate, we will have to do one more step. Divide the yearly charge by the loan amount, then times the total by 100 to get the percent.

    For instance, we will take 390 and times it by $100 since that was our original loan amount. The formula is:

    390 (yearly charge) x 100 (loan amount) = 3.9

    3.9 x 100 (to get the percent) = 390% (APR)

    What It Means

    Payday loans give you a cash advance with the intention that you will pay back the loan on your next payday. You will not be paying $390 in finance fees for the year, only the $15 for the pay period. However, if you roll over the loan, you will be racking up the finance charges.

    Cash advances are best used for temporary emergencies, like covering a bounced check or car repairs. For longer term credit, it is better to look at a credit card or personal loan. While these types of loans will affect your credit score, they will also provide better rates.

    See my recommended
    Fast Payday Loan companies with the lowest rates online.
    Carrie Reeder is the owner of ABC Loan Guide, which offers help with loans for people with low credit scores.

    Excelsior Palace Terme in Acireale

    Posted in Regional Sources, Travel Infos on October 22nd, 2008

    Excelsior Palace Terme nestles against a spectacular backdrop of art and architecture and focuses on gastronomy. The building, in the amazing baroque town of Acireale, originally was a C 19 grain mill that has been skilfully restored and turned into a delightful hotel on the beautiful Riviera dei Limoni. (on the right, director Giuseppe Di Giovanni)

    The elegant hotel is also an important Congress Centre, ideal for tourists and businessmen.

    It is the first hotel in sicily to have earned the UNI EN ISO 9002 Quality certification for every sector, together with UNI EN ISO 14001 for its environmental impact.

    The hotel has 229 rooms, with 25 single rooms, 194 double rooms, 10 for disabled guests and 24 with a balcony.

    All rooms are equipped with modern forniture and facilities, such as shower, direct phone, satellite tv, minibar, air conditioning/heating, hairdryer, courtesy linen and safety box.

    The hotel has a swimming pool and two bar: “Il Moro” the lobby bar opened throughout the year and the pool bar.

    Bar “Il Moro” opens everyday from h. 9,30 a.m. to h. 12,00 p.m. in the winter;
    Bar Piscina opens everyday in the summer;

    The “Balcony on the rock coast”, a rare beautiful place in the mediterranean vegetation, 3 km far from the hotel.
    SHUTTLE SERVICE FROM AND TO THE BEACH from 15/06 to 15/09 from h. 09,30 a.m to h. 06,30 p.m.

    The rock beach is equipped with deck chairs and sunshades

    OTHER SERVICES:

    PORTERAGE: on request and to charge

    PARKING: unguarded

    The Excelsior Palace Terme offers a cuisine that comes from typical Sicilian and national recipes, cooked by our excellent chefs. This is the schedule:

    Breakfast from h. 07,00 a.m. to h. 09,45 a.m.

    Lunch from h. 01,00 p.m. to h. 02,30 p.m.

    Dinner from h. 08,00 p.m. to h. 09,45 p.m.;

    Buffet breakfast includes: milk, coffee, tea, yoghurt, cereals, different kinds of cheese, ham, bread, different kinds of jam, honey, butter and nutella.

    Lunch and dinner are served as well as ” la carte” and “buffet” in the Restaurants Agavi and Bouganville.

    Planning a trip to Italy? The top 3 destinations in Italy are Rome, Venice and Florence; for example, in order to make it easy to find an hotel in Rome, you can have a look at our advanced search. Simple as 1-2-3, the same method can be applied to find guided tours in Naples, or to compare price for different hotels in Palermo, from bed and breakfast to Hotels.

    Use multi flash card readers to overcome data storage format incompatibilities.

    Posted in Photographer's World on October 19th, 2008

    As advanced consumer electronics like digital cameras, PDAs, multimedia mobile phones, and similar devices become increasingly affordable to the everyday user, we find ourselves having to keep track of more and more types of technology, which makes keeping all of our devices compatible with each other increasingly difficult. The technological marvels that have opened up so many new avenues to the common home user, which used to be reserved for the wealthy, are all sold to us with the advice that they will somehow make our lives easier and better. Specifically looking at digital cameras, the biggest problem of this sort is the fact that there are more than 8 distinctly different types of memory storage card commonly used, and the devices that use them are rarely able to accommodate more than two types at best. SecureDigital, CompactFlash of two generations, Microdrive, SmartMedia (SmartCard), Memory Stick and Memory Stick Pro, xD Picture Card, and MultiMediaCard: Just how many of these do you use? If you know, do you know which device uses which? Fortunately, with the advent of multi-format flash-card readers, you can now safely know that no matter which camera, phone, PDA, or PC storage card you use, you can transfer data between any of your other devices quickly and easily.

    A multi-format flash card reader is simply a device that plugs into your PC via any of a number of different types of data cable, which has a series of slots that accept one or more of the above types of removable media. It can read and write to these cards, transferring data - be it photos, mp3’s, word documents, or anything else - between the memory card and your computer’s hard drive. From there, you can transfer data back to another card via the card reader, if you wish, or perhaps edit and print off photos from the computer, burn data to a data CD or DVD, or simply keep them in your collection on your PC. They are surprisingly affordable for what they deliver, and there is a very wide range available to the market.

    When deciding which card reader is for you, there are thankfully only a few things you need to consider that will make the difference in your purchasing decision. The obvious one is to consider what you actually need: How many, and which types of flash card do you use, and are you likely to add to this number in the foreseeable future? Naturally, then you consider which of the available readers has the features you need. It may be that you wish to be ready for every occasion, opting to simply buy the reader that offers the highest number of different formats.

    Since finding a range of readers that support more formats than any one user is likely to need is not difficult, a more important thing to consider is whether a reader is compatible with your PC. The majority use either FireWire or USB 2.0 to transfer between your computer and the device. While there are a few important differences between them such as the maximum speed of the connection, the difference between their connection speeds is the factor least likely to limit how well it operates, and falls beyond the scope of this brief guide. What you do need to know is whether or not you have either a FireWire or USB port on your computer. Chances are, if your computer’s age is anything like your camera’s, you have already have USB support. For a point of reference, USB 1.0 (which is compatible with, but slower than USB 2) began to become standard around the time Pentium III’s were being released. If you’re not sure, you’re looking for a rectangular “female” socket - there will probably be more than one - either on the front or back of your PC measuring roughly 1/2″ wide by roughly 3/16″ high (or about 12mm x 3.5mm). As well as hardware compatibility, if you’re not using a recent version of the Microsoft Windows operating system, you need to consider whether you system will be able to run the software for the reader you buy. While all the software may not be compatible on Linux or Mac OS, flash card readers generally just act as a fairly standard mass-storage device, and the cards often use a slightly modified FAT-16 file system, meaning basic read-write operation is usually easy to set up, even without the software. Finally, there is the cost to consider.

    Having laid down the criteria for judging the products, we can compare a couple of the more interesting models on the market. Obviously there are a lot more than just these two out there, however, they serve well by way of example. The SanDisk’s ImageMate 8-in-1, as the name suggests, supports eight different media types: Compact Flash (1 & 2), MultiMediaCard, Memory Stick, xD Picture Card, Memory Stick Pro, and Secure Digital. While it does support it, it should be noted that SanDisk recommends against using Microdrive with this device. It has 4 physical ports, each acting as a USB mass storage device (4 virtual drives in total) with any version of Windows later than Windows 95, or Mac OS 9 and later. It uses a USB 2.0 interface, and features very fast transfer speeds from all of the card formats to the PC. If you want compatibility with just about every major flash card in use, then the ImageMate 8-in-1, manufactured by a respected brand in the industry, and usually retailing for just over $60, is a superb purchase.

    If you need a better guarantee of compatibility with your system, then you should consider the Addonics Pocket Ultra DigiDrive (UDD). It supports all of the formats of the ImageMate, plus a few less common ones too. Also operating as a USB 2.0 mass storage device, the feature that sets this one apart form the rest is the compatibility. In addition to being compatible with Windows and Mac OS, it includes drivers and support for Sun Solaris 8 and higher, and Linux Kernel 2.4 and higher. This device represents the ultimate in inter-compatibility, and also being priced at around $60, it is a tempting purchase.

    Flash card readers are highly affordable devices that take the headache of compatibility issues away. Whether for your camera, PDA, multimedia phone, PC, and any similar device you care to name, these ingenious devices are so affordable that you almost can’t afford not to have one.

    Ron Donnelly is editor of the website, buying-guide-for-digital-cameras. You can view the site at www.buying-guide-for-digital-cameras.com

    Photography Success - The Lazy Man’s Way

    Posted in Photographer's World on October 19th, 2008

    Where do you keep your images? If your answer is a shoebox, plastic slide holders, or KODAK boxes, — you are not alone.

    Many photographers are organized and can find a specific picture when a photobuyer calls for it. But most, unfortunately, are not. However, there’s hope. I’m going to outline what I call the “Lazy Man’s Way” of organizing and selling your photos.

    First of all, I’m going to ask you to step into the 21st century and quit grumbling about how Kodak and Fuji no longer provide film for you at the local drug store. Whether we like it or not, the Digital Age is upon us. So, let’s get with the program.

    You asked about being able to be lazy?

    The Digital Age that you see others experiencing is the key to your newfound workable laziness. Why?

    No more: chemicals, tin rolls, delivery of film, arguing about color balance, light table mix-ups, filing slides in pages and notebooks, humidity problems, sleepless nights worrying about delivery (or return) of your original slides to a client or a stock photo agency.

    If you’ve lasted this long in stock photography, then you must be a dedicated person. It’s time to make your dedication move in a new direction:
    Digital.
    This is where the laziness comes in. It’s not so much the taking of pictures, or cataloging them, but in selling them.

    A little history first.

    After fifty years of dominating the stock photography field, stock photo agencies are gradually losing their exclusive grip on the industry. In the last century, the agencies were pretty much the only game in town. If you decided to go with one, you had to make sure it was a specialized stock photo agency. If you had five different specialties that meant you put one-fifth of your collection in each of the five specialized agencies.
    Today, whether you are a specialist or a “generalist,” it’s now more effective to market your pictures at an electronic “portal.” And this is where the laziness comes in.

    Portals are digital stock photo agencies that feature your images in a massive collection. They utilize keywords to help visitors (buyers) locate special photo needs. Since all the photos are in digital format, you have no worry of picture loss as you would in a classic stock photo agency. Also, you are able to join several portals at the same time if you wish, and determine which one is doing the best job for you.

    Photobuyers like portals. Photobuyers use the search power of the Internet when they start a search for the photo they need. Using keywords, a photobuyer might land on a series of portals. Each portal has its own keyword search section, so finding the “just right” picture becomes much easier. In the next decade we are going to see photobuyers working almost exclusively with portals for this reason.

    And if you want to be a lazy marketer of stock photos, portals provide you the opportunity to literally dump all of your top-notch marketable images into the portal. There’s no cataloging necessary. Remember, keyword searches find your picture (in seconds), not a visual search.
    Here are more reasons photographers and photobuyers are placing their images in portals: portals are quick, (a photoshopper can browse a portal’s collection swiftly); they offer charge card payment; they pay you, the photographer, monthly (unlike stock agencies who may pay only every six months); they offer real time reports on sales; they often offer direct download (24 hour service); they offer a variety of photographer styles and personalities; they provide fresh, new ideas and trends because their photographers are constantly adding new pictures; they calculate the fee for the photobuyer which eliminates the need for any negotiating; thus they allow you to photograph and they do the selling for you; they offer a higher percent of the sale than most standard stock agencies; they are, in effect, an outsource catalog of your work.

    Here’s a group of portals you’ll want to look into. Some are for Royalty Free photos, others are for Managed Rights, and others are a combination of both. Some aim at low-end buyers. The pay is low, too. Others are middle ground, and others are high-end.

    adobe.com; alamy.com; artzooks.com; bigstock.com; istock.com; myloupe.com; painet.com; stock.xchng.com; shutterstock.com; stockphotomedia.com; vizpix.com; photosourcegroup.com

    So you see, once your stock photos are in a portal, or portals, you can go about doing what you do best, take pictures. This new work style may mean that you’ll have to convert your top slides to hi-resolution digital images (about $10 each) and buy a digital camera. But if your dedication is alive and well, you’ll soon pay for those expenses from your sales.
    Now you can lie back in your hammock and have another mint julep.

    Rohn Engh is director of PhotoSource International and publisher of PhotoStockNotes. Pine Lake Farm, 1910 35th Road, Osceola, WI 54020 USA. 1 800 624 0266; Fax: 1 715 248 7394. http://www.photosource.com