I am assuming found this article because you are having a hard time finding the best digital camera under 200 dollars as I recently did. With all of the technical jargon that gets tossed around the greasy sales world, it has become very hard to stay focused when searching for your new camera. With the holidays around the corner, everyone is looking for the best value for the lowest price…I used these exact three steps to find the best digital camera under 200 dollars when I recently purchased a digital camera for my mothers anniversary trip (and yes, I did go over my budget a little with the extra memory cards…love you mom).Step 1: Figuring out what you needThe best digital camera under $200A mistake I commonly see, are buyers being sucked into buying cameras that are beyond what they really need. Some questions to ask yourself before you start shopping:* What’s your budget?* What do you need the camera for? (Taking Snapshots, Video, or Professional Photography)* What conditions will you be mostly photographing in? (indoors, outdoors, low light, bright light)* Will you largely stay in auto-focus, or are you learning the art of photography?* What type of features are you looking for? (Optical zoom vs. Digital zoom, external flashes..)Ask yourself these questions prior to buying your new camera and you will be ready when you need to decide what type of zoom you want.Step 2: Deciding how many Mega-pixels are neededMega-pixels are not as MEGA as they used to be…One of the main features used to sell digital cameras is how many mega-pixels a digital camera has. When digital cameras were initially released (and selling for excess of $300-400 for a basic model), the mega-pixel rating of the camera was actually a very important statistic. As most cameras then, they were at the lower end of today’s camera functionality and even a 1 mega-pixel increase was a significant upgrade. I would recommend a 10 MP camera if your spending over $100Step 3: Do you require any extras?It’s always nice to have an extra memory card or two. maybe rechargeable batteries?Do you remember how big of a pain it is to run out of space on your memory card right when you arrive to your destination (usually really far from the nearest computer to load your pictures onto)? You need to think if any additional equipment would benefit your individual need for a digital camera. Here are some of the most common additions to keep in mind come checkout:* Camera Case* Memory Cards* Spare Batteries/Recharger* Tripods* External FlashesIf you’re learning the art of photography:* Reflectors* Lenses* Filters (and other lens attachments)Amazon usually will bundle such extras with most packages to give a discount when buying more than one item at once, if you are looking to purchase extra peripherals.Hopefully my article will be as helpful to you as it was to many of my friends and family. I hope my 3 tips to find the best digital camera under 200 dollars helped give you relief… ‘Tis the season, am I right? Happy holidays (and camera shopping)
Security Degrees Available Online
The image of the mall officer may come to mind when people imagine gaining a degree in security. However, security is a vast field that can have individuals working in the industry in numerous ways. An individual who has a passion for investigation, information, computers, and more can find degree programs online. Many accredited online colleges and universities offer a wide selection of security degrees for the interested student.The basic definition of security is protection from danger, damage, and criminal activity. This definition can be applied to a wide range of jobs and careers that have educated individuals working in them. Prospective students to this industry can decide what type of degree program to enroll in based on their goals and passions for this area of work. There are numerous types of security that fall under different categories. If a student wants to work with computers they can find degrees in this area that include information security and network security. Inside the field of physical security students can enroll in programs that include airport security and school security. For those individuals who are interested in the political sector of our country degree programs can consist of homeland security and national security.With so many options to choose from students need to decide prior to enrolling in a degree program what type of security they want to work in. This is a crucial decision because some areas of the industry require different degree levels. Careers that are more specialized will require longer study to learn all the necessary skills in order to enter that field prepared. Let’s take a brief look at some of the degree options available within the industry.For prospective students who want to enter the criminal justice field an online associate’s degree is a good option to quickly enter the industry. At this level of education a student will study criminal justice and how it relates to law enforcement, courts, and corrections. After the initial courses students can choose a specialty in the field that will allow them to become corrections officers, crime scene investigators, homeland security officers, and more. Numerous entry-level jobs are available to the dedicated student who earns an associates degree in criminal justice.For prospective students who are good with computers a degree in network security may be a good option. Through courses students will learn how to protect computer networks from outside attack from viruses and hackers. The goal is to establish a secure network for the business or organization an individual works for. This helps increase information safety and protects the company for monetary loss. Many students in this area of schooling gain a bachelor’s degree, which will prepare them to step into numerous careers. These careers can include firewall administrator, information security officer, forensics specialist, and more.Students who are interested in protecting the security of our population can gain a degree in homeland security. Individuals in this field work with the government to effectively prevent and handle the threat of terrorism. Students will learn from numerous courses how to do this. Courses can include international terrorism, cyber-terrorism, weapons of mass destruction, and more. Students can earn an associate’s degree to a master’s degree in this field.Don’t let your passion for security go to waste. Search out accredited online degree programs that offer training in the area you’re most interested in. Enter a fulfilling career in security by enrolling in a program today.DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.Copyright 2010 – All rights reserved by PETAP.org.
Make Money Online? Yes, You Can!
Do you want to make money online, but you’re not sure how? This Article will show you some of the basics, that you need to know, in order to make money on the Internet.We will look at:1. How to find the right product to sell.
2. What you need to start selling.
3. Why you need a web-site of your own.
4. Do you need a list of your own?
5. The right education.Before we look at the first topic, let me ask you a question: How hard are you going to work to make money online?A. I don’t want to work hard.
B. I don’t mind hard work.
C. I have no idea.
D. I will do what ever it takes.Why am I asking this question? The truth is, that there is a certain amount of work, that you will have to do, if you want to make money online. The amount of work is up to you! If you have money to play with, then you can out-source most of the work, and will be able to make money that much faster, but if you are working with a small budget, then you will have to work harder and put in the hours, that it takes to succeed. There is no short cut to success, the work has to be done by someone.So, now that you understand that someone will have to do the work, let’s take a look at number one and see what some of that work will be.1. How to find the right product to sell: If you have your own product, then this is easy, if you don’t, then you will need to become an affiliate and market someone else’s product or service, to make money online. This can take you a few hours, or a few weeks of searching on the Internet, to find the right product for you. The biggest thing to remember, is to find a product, that people will want to buy. If you try to sell a product that no-one wants, then you will not make any money. If you find a product, that you think people will buy, then jump on it and become an affiliate for that product.Not sure what an affiliate is, let me explain. For those people, that have never heard this term before, I will use a quick example; I own company A and I make Flashlights. I want to have lots of people to buy them, but I only have one web-site. So, I use a company, such as, Commission Junction, that people can join, to become affiliates (salesmen) for my flashlights. Every time they sell one, I will pay them a commission for the sale. So, there you have the basics, of what an affiliate is. You can find, all kinds of different products to sell, through companies like Commission Junction and ClickBank. Just do a search and you will have lots to choose from. This is the way, that most marketers, make money online, through becoming affiliates.2. What you need, to start selling. Once you have your product picked out, you will need a place to put it on display. For that, you need a landing or squeeze page (this is a site on the net, that you direct people to, so they can see your product). Once a person sees what you have to offer, they then go to a sales page, so that they can buy your product. We will look at, why you want two different pages, when we talk about building a list. For now, let’s look at number three.3. Why you need a web-site of your own. There are lots of reasons to have your own web-site.A. To brand yourself (Personal Branding). There are a tremendous amount of scams and scammers on the Internet today. What you need to do, is give your potential buyers a place that they can go, to find out more about you. Which, leads to my second point.B. People need to learn more about you and come to trust you. When people, can access more information about who you are, and what you do, and believe in you, then they will start to trust you and will be more likely to buy from you. As, in the author section below, I have a link to my personal blog, so that you can find out more about me and what I believe in. The more trust a person has for you, the easier it is to make money online, from the person. Which, leads to my next point.C. You can have a variety of products and services on the same site. I have a large variety of products and services, that you can access through my site. These are all, affiliate products, that I will get paid a commission on the sale, but, they are also products that I use and recommend. Then, there are books that you can buy and other products, as well. The site is set up, to help people to succeed and make money online, and to make me money, as well.Though, there are more reasons, the ones listed above, will give you a good idea, as to why you need your own web-site.4. Do you need a list of your own. I will tell you, that if you are not creating your own list of people, you will never make money online, that will be consistent. You can make money online without a list, but you will make more with one. Why? Once a person is on your list you can send them emails with new offers at any time that you like. The more people on your list, the more that you will be able to make.Let’s take a quick look at squeeze pages and sales pages: A squeeze page (or lead capture page) is designed to have people give their name and email, to the owner of the page. If that is not you, then you are building someone else’s list, and not your own. A sales page, is where a person is sent, after they have opted in on the squeeze page, so that they can purchase a product.5. The right education. This is the single most important thing you need to make money online, the right education. It will make or break you. Without it, you will not learn how to build your list, or how to get traffic to your site(s). Remember, that without traffic/people coming to your site, you will never make money online, no matter what else you do. There are lots of companies that will promise you all kinds of things, when it comes to education. Some will sell you, out of date systems, that did not work even when they were first put together, and some will just take your money and run. My advice to you, is to research any company that you are thinking about joining. There are lots of review sites, that will give you an indication of whether a company/product, is a scam or not.Personally, there is only one education company/platform, that I will recommend to people. It teaches, up to date strategies and techniques, that will make money online, if you follow the directions and do the work. Whether, you do it or out-source the work, it will give you all the tools and training, that you need to succeed.In summary: You need to find the right product and have a squeeze page/landing page to collect people’s email addresses, so you can build your own list. Then, have a sales page, for people to buy your product. Then, you need to send out more emails and promote other products to your list. And, the most important thing is to educate yourself, in the best techniques, in how to do all this.It is possible to make money online, with the right training. I wish you the best of luck with your journey.
How to Prepare a Loan Package For a Bank Or Lender
A loan package is typically used for real estate development projects and acquisitions, but there are parts of the package which are applicable to the other types of business and commercial loans and finance. If you are seeking a loan or funding from a commercial or business lender or funding from a venture capital firm or investor, it is important to present a well organized, detailed loan package. The package gives the loan officer, investor or venture capitalist the necessary information to gauge the viability of your loan or finance request, and in turn, providing you a loan term sheet and commitment. All lenders and funding sources have different requirements, so customize your finance package to their parameters.Loan packages can be voluminous and paper intensive so it is important that it is well organized with a detailed table of contents and alphabetical tabs indicating different sections. This way the loan officer can easily find the necessary information in the package when analyzing and assessing your loan qualification and the resulting terms.The loan package should be bound in paper form, scanned to a disk and available for online download. If you are mailing to the Loan Officer a paper copy be sure to include the package on a disk as well. This way the lender can print out different sections for various loan committee members and decision makers. The disk should be well organized, with each section of the loan package as a separate, labeled folder, all presented in the order indicated in the table of contents, which should be the first folder on the disk.Preceding the loan package document is a loan summary, two to three pages in length, which summarizes the important parts of your loan or finance request. The loan summary is the first section in the loan package and can also be used as a standalone document to generate and gauge interest in your project. If used as a standalone, it should be accompanied by an executive summary. The loan summary is to a loan package what an executive summary is to a business plan, a summary of the key aspects and facts of the overall loan package. For this reason, the summary should be developed after the loan package is completed.Below you will find a suggested format for the loan summary and package. Amend them to suit your particular project and funding request.Suggested Loan Summary Format – company information, project description, company and project principals experience summary, sources and uses of funds, requested loan terms, summary of assets and collateral, project financial summary, current company and project financial summarySuggested Loan Package Format – table of contents; loan summary; company and project information, contact details and history; principals backgrounds, experience and resumes; key project employees, executives and managers experience and responsibilities; company and project organizational chart; company registration; project description; project pictures and renderings; key roles and relationships – company, strategic partners, third parties and government; sources and uses of funds; company and project collateral, assets, liens and loans; schedule of real estate; rent roll; company and principals credit standing and credit reports; principals and company financial statements; company balance sheet; project budget; company and project cash flow statements; pre-sale commitments; project appraisals and valuations; project studies, feasibility studies, business plan, consulting studies and engineering studies; project proposals and contracts, lease agreements and escrow agreements; title policies; annual reports; tax returns – personal and business; project strategic plan and time line; project construction plans, specifications, drawings, surveys and maps; project construction cost breakdown; construction cash and finance disbursement schedule; project construction cash flow statement; project and company advisors, consultants, contractors, construction team, legal firms, accounting firms and engineering firms; appendixGood luck with your funding initiative!
Posted in Finance
Tagged Commercial Loans, Credit, Credit Tips, Currency Trading, Finance, Leases Leasing, Loans, Personal Finance, Personal Loans, Student Loans
Comments Off