Mortgage Assignment – No Money Down Investing – Honest!

Let's face it, there is a lot of "hype" in the Real Estate Investing World and no shortage of big promises like that of the Mortgage Assignment. In fact, I can't tell how many real estate investors I see that get sabotaged before they even get started, trying to avoid all the high priced "noise" that's out there especially when it comes to the term "no money down investing."
So when I put up a headline like "No Money Down Real Estate Investing" I fully expect, and even encourage you take it with a grain of salt.
After all, I don't want you to end up with a heck of a lot of money on your credit cards like I did getting educated about no money down investing strategies.
That stated, I can tell you with a completely straight face that there is a legitimate No Money Down Real Estate Investing Strategy out there that works. Honest!
This is called the Mortgage Assignment or Mortgage Assignment Profits System (Maps) pioneered by Real Estate Investing Guru Phill Grove from Texas.
The mortgage assignment concept is a simple solution to two huge problems
No Money Down Investing Problem 1
The decline of the housing markets has caused a situation where millions of homeowners find their homes within 5% one way or another of their existing loans.
Due to loss of jobs, reductions in pay, or job relocation, a ton of these owners need or want to move.
The trouble, their homes have no equity and are not able to absorb the roughly 8 % commissions/closing costs typical when selling a home. These fees which would equal $16,000 on a $200,000 house would have to come out of the sellers pocket. They can't afford it.
No Money Down Investing Problem 2
The lending squeeze by banks has created a situation where millions of would be home buyers, who used to qualify for loans, no longer get bank funding.
Regardless of what the bank says, the desire to live the "American Dream" and own your own home has not vanished and neither has the hope for real estate investors to find a way to do legitimate no money down investing.A
No Money Down Investing Solution
Pretty simple:
What if you could take the sellers who can't sell their homes, and pair their houses and current loans with the buyers who can't buy a home?
That would solve both problem, and since you as the investor just arranged the transaction, you have spent none of your own money; a true no money down investing deal.
This no cash down investing technique is what Phill Grove has done with Mortgage Assignment Profits System.
He has devised a legal, and ethical no money down investing way for the investor to pair the seller and buyer together, while receive the down payment as a fee which 5% to 20% minus closing costs.
Not a bad day's work!
In a nutshell, this is how the mortgage assignment; a honest to goodness no money down strategy works…

Assignment Orders

I am not a lawyer, I am a Judgment and Collections Broker. This article is my opinion, based on my experience in California, and laws vary in each state. If you ever need legal advice or a strategy to use, please contact a lawyer.
What if your judgment debtor does not have a regular wage job, and gets paid by customers, relatives, renters or tenants, or most anyone else?
An assignment order might be the right (although paperwork intensive) way to try to satisfy your judgment. This article covers Assignment Orders (AOs) in California. It is very important to know your state laws, and if and how assignment orders are allowed.
Assignment orders are (noticed motion) court orders that require a new hearing, and must be served on the other parties. AOs may be able to capture most kinds of (current and future) non-wage income streams.
Because AOs are lawful alternatives to conventional levies, you do not (in California) need to get a writ of execution. Unlike regular levies, the money often gets turned over directly to you.
In some places, the court may require the sheriff to be the levying officer. If that is the case, you will need to have a registered process server open a sheriff levy file, and then have the AO served on the parties, and then file the proofs of service with the sheriff.
Assignment orders can capture most distributions, commissions, and almost any kind of K-1 income. If approved by a court, an AO instructs someone that owes money to your judgment debtor, to pay you instead of the judgment debtor.
Assignment orders are most useful when a debtor receives (non-exempt and non-retirement-based) income. Assignment orders may work, even when the debtor claims they are poor, because income is income. (Most truly poor debtors do not have income streams.)
Assignment orders can last as long as it takes to satisfy the judgment. Like most court orders and judgments, nothing is guaranteed. The judgment debtor could file for bankruptcy protection. Other things may happen to thwart any enforcement action or strategy.
In theory, assignment orders for non-exempt income, can ask for all of the income, not just 25% of the income, as most wage levies (garnishments) can reach.
If the judgment is small, or the debtor is rich, ask for 50-100%. If the judge does not think your proposed order is reasonable, compromise and aim for 25%. (Because CCP 708.510-f seems to be very similar to CCP 706.050.)
If the debtor is not rich, it may be smarter to ask for a percentage, instead of all of their income stream. In judgment enforcement, being too aggressive could increase the chance that the judgment debtor will file for bankruptcy protection.
Usually, judges do not rubber-stamp approvals on assignment orders for creditors. When the creditor clearly shows a synopsis of why an assignment order is appropriate, then a judge may approve their proposed order.
You could document why you have no other reasonable way to enforce the judgment. You could also document any prior court-endorsed expenses and attempts that did not satisfy the judgment.
Assignment orders can also be used to reach income originating from other judgments, when your debtor is the creditor. An AO can order the debtor of your debtor to pay you instead of them (or the sheriff). Again, consider asking for a percentage.
The first step for any AO is learning who is paying your judgment debtor. A debtor exam, could subpoena enough judgment debtor documentation and information, to learn who to serve assignment orders to. Some debtors will pay, when their clients call them, and ask what is going on?
Assignment orders can be general, and not list specific names. They can say "25% of all monies due to the judgment debtor from clients he performs accounting services for". Then, you can serve the assignment order on whoever pays the debtor, including any of their new clients you later discover, after the assignment order is issued.
Another general example would be "The tenant residing at 22 First Street will pay you". That way, if the tenant moves and someone new moves in, you can have the same assignment order served on the new tenant. If the judge will not allow a generic order, you can find out who is renting, one legal way or another.
Sometimes, after being served an assignment order, the third parties still pay the judgment debtor instead of you. Even if they mistakenly pay the judgment debtor, they still owe you that payment.
It is good practice to get certified copies of the AO, to quickly serve on parties and/or their lawyers, so they cannot claim they did not believe it to be genuine.
As with any courts hearings - with AOs; obeying court rules, state laws, and a substantial paperwork load is required.
Often, 5-6 parts (usually in 5-6 documents) are required. For example, an Assignment Order, (an optional) Restraining Order, a Memorandum of Points and Authorities, a Motion, a Notice of Motion (or Entry of Order), and Proofs Of Service, that are filed with the court.
The Notice of Motion (Entry of Order) and the Motion (Order) are sometimes combined into one document. You need to make several copies of all documents, schedule a hearing date at the court, and have the judgment debtor served everything.
In California, CCP 708.510 specifies the debtor can be served by mail. Bring the proof of service to the court, and appear at the court hearing.
If your order is granted, serve a copy of the order on the judgment debtor by mail, and the parties that will be paying you by mail first. If they do not respond, contact them politely, and if necessary, have them re-served personally.
Please consult with a lawyer when you do your first assignment order.

How to Profit by Assigning “Subject To” Purchase Options to Mortgage-Challenged Buyers

For those looking to get into real estate investing in today's market, there is a unique way to profit without needing cash or credit, and without the risks or headaches of owning rental properties. In this article, I will show you how you can place unsellable homes under contract subject to the existing mortgage, and then assign the contract to a buyer who has not been able to qualify for a mortgage. Your profit is on average about 5% of the purchase price.
This is NOT Mortgage Assignment
One of the latest crazes going around the internet now, and many investors' email boxes, is a concept called Mortgage Assignment. To those who may not be familiar with this, it sound like you are just assigning a mortgage from one person to another. Keep in mind that this is not the same as a mortgage assumption where the lender legally transfers the liability from the seller to the buyer. Rather, a mortgage assignment is no more than assigning the payments to the buyer, while the seller keeps the mortgage in his or her name. In the Mortgage Assignment program, the underlying transaction is still a sale subject to the existing mortgage. In either case, the seller of the property is still on the hook, credit-wise, if the mortgage does not get paid. What you will be doing is to find sellers who are willing to sell their property subject to the existing mortgage and market that property to a buyer who has some cash, but who can not qualify for a mortgage in today's tougher underwriting standards.
Why You Don't Need to be a Real Estate Agent
One of the first questions that comes up is how can you do this without being a real estate agent? Well, it is simple. What you will do is to get the seller to agree to you placing a purchase option on their now have an equitable interest in the property. You will be marketing your interest in the property to other buyers. This is no different than marketing your own property to buyers as FSBO.
Understanding "Subject to" Deals
In a "Subject to" or "Sub2" deal, you are buying the property subject to the existing financing. This means that the existing mortgage will not be paid off. If there is equity in the home that the seller wants to cash out, either the buyer would need to have the cash available, or the seller can agree to carry the payments in the form of a second mortgage. Typically, a Sub2 deal is done when there is little or no equity in the property, because the seller can't afford to either pay off the mortgage at settlement, or pay any fees and commissions, or both. The alternatives to this are a short sale or a foreclosure, and neither of those are easy or pleasant.
The biggest issue that one faces with Sub2 deals is something called the Due on Sale Clause. What this means is that when the property is sold, the lender has the right to call the mortgage due, meaning the buyer would then have to refinance the property of the seller faces foreclosure. However, from the experience of almost all Sub2 investors, not once has a mortgage been called due on the sale. Many gurus teach all kind of tricks to avoid the lender being notified about the sale, including a Land Trust and Contract for Deed, but others will teach you to just be upfront with the lender and don't lie or hide anything. The way a lender usually finds out about the sale is not when the new deed is recorded, but when the homeowner's insurance policy has a new owner. In my Find and Assign package, I explain the due on sale clause in more detail and why it is not something you need to worry about.
The Seller's Dilemma
Right now the market is perfect for doing Sub2 assignments. Many homes are now underwater, meaning the seller owes more on the mortgage than the house is worth. There are sellers who can no longer afford the payments on their mortgage and are either struggling to make the payments each month or are behind in their payments and are facing foreclosure. In Find and Assign, I have a matrix that shows the various options a seller has on getting rid of their property, along with the costs of each. If you are able to show a seller how he or she can walk away from their property and making the mortgage payments without affecting their credit, you have a motivated seller, and one who would be receptive to your offer.
The Buyer's Dilemma
In the past, all you had to do to get a mortgage was to fog a mirror. This means you simply had to be alive! Banks and mortgage companies gave out loans to anyone who could fill out an application. There were no-doc loans, stated income loans, and loans for subprime buyers. Down payments we as low as zero. Flash forward to today. Now, you need to prove your income, provide two years of tax returns, bank statements, and have a credit score north of 680. What we have now are buyers who a few years ago could get a mortgage, but now who can't. So, you are in the perfect position to sell unsellable homes to unloanable buyers, all by simply getting the seller to do a purchase option subject to the existing mortgage and assigning this agreement to a buyer for an assignment fee. The new buyer gets the deed at settlement, and pays the closing costs.
Finding Sellers
There are many ways to find sellers, including posting ads on Craigslist and newspaper classifieds. A sample ad can say "We buy homes with little or no equity. Get out from making any more mortgage payments." One fantastic way to find sellers is to call real estate agents and ask them to provide you with leads of those who want to sell, but who can't because they can't come up with the cash to go to settlement. You can offer the agent a referral fee. If the agent is honest and says that he or she can't accept a referral fee, you can still legally pay the agent by having the agent become your buyer's agent. When you get the house under contract and then assign the contract to the end buyer, at settlement the agent would receive their legal commission, depending on what you agree upon. In Find and Assign, I go over many other ways to find sellers for the Sub2 Assignment program.
Finding Buyers
Of course, you need buyers to complete the deal and to make money. You can find buyers by running ads that say "Buy a home with no mortgage qualifying. 10% cash needed." You can run these ads on Craigslist and newspaper classifieds. You can also call mortgage loan officers and ask them for leads on those who want to buy a house but who can't qualify for a mortgage. What you may have to do is simply give these loan officers your info and have them give it to the wannabe buyers. You can offer a fee to the LO on any deal you do.
Writing the Agreement
There are two ways to do this. One way is to write up a simple real estate purchase agreement, where after your name you write "and/or assigns". In the purchase price section, you would write the price, then "subject to the existing financing as detailed in Appendix A. In the appendix, you would list the balance of the mortgage or mortgages on the property, and the existing monthly payment. There are no special forms that are needed. It is only the wording that you have to use. The second way is to write up a purchase option on the home, using the same subject to language. You would then either assign the purchase agreement or the option to the new buyer. If you use a purchase agreement, you need to make sure you have the proper escape clauses that let you walk from the deal if you don't find a buyer. You don't want to actually purchase the property, and that is what the agreement says. With a purchase option, the seller is giving you the right to purchase the property, but you are not committed to do so. If you don't find a buyer to assign the property to in a 90 day period, you just walk away.
When doing these deals, there are also some disclosures that need to be signed by the seller, namely disclosing the fact that the sale is subject to the existing mortgage and that the mortgage will remain in their name. You also disclose the potential for the Due on Sale Clause. What I always suggest is that before you get started with this, you find a real estate attorney who has done Sub2 deals before. You can find one the same way I did, on Craigslist! In Find and Assign, I share with you how I did this, and what questions you need to ask. You also may need a title agency to close the deal, and I cover that in Find and Assign. Your real estate attorney should also know of one to use.
Closing the Deal
All you really have to do is get the end Buyer to write you a certified check for your assignment fee after they do their due diligence on the property, including a title search, inspection and so on. The title search will show you any and all liens that are attached to the property, along with any judgments on the owner and any back taxes that are owed. You can use any title agency to do a search. The fee would be around $60 or so. You can either have the buyer do this or have the seller do it and make it available to potential buyers.
When you have a Buyer for the property, you want to refer them to your real estate attorney to get the deal closed. This way you have done your part to bring the two parties together and thus earn your assignment fee. The key is to have a real estate attorney involved in these deals and not to try a "kitchen table" close. You don't want the seller of buyer coming at you because you did not disclose everything you should have. If you do this right, you can make a reasonable income by assigning just one or two properties per month. If you do a search online, you can pretty much find everything you need in forums and other sites. There are no special forms, other than a Purchase Option, Assignment of Purchase Option, Purchase Agreement and of course the CYA Disclosure Form. Other forms that are involved are an Authorization to Release Information and perhaps a Power of Attorney. If you find a real estate attorney who has done these deals, this person can provide you with all the forms you need.
To Learn More
In my Find and Assign package, I provide you with much more detailed information on how to do Sub2 Assignments. This is all found in one of the bonus packages in the form of a 42 page guide, plus all the forms and agreements you need, including a very detailed disclosure form. I teach you many ways to find sellers and buyers, and even show you how to get others to look at properties for you with no upfront cash. Along with this, you get a PowerPoint package that you can use with sellers, along with other useful tools and resources. There is no need to spend hundreds of dollars on courses or workshops. Once you understand how to find buyers and sellers, and know what forms you need to fill out, you can get started doing this with very little cash. All you really need is the motivation and dedication to place ads online, and what to say to those who call you from your ads. In Find and Assign, you even get scripts and information to send to sellers and buyers.

Medical Issues – Internationals Moving Into the United States

Employees relocating to the U.S. face significant challenges with the medical care system. Some of the information needed is how to work within the U.S. medical system, how to find a doctor, where to go in an emergency, and how to get help for emergencies
U. S. Medical Care
Medical care in the United States in general is of high quality. Many doctors and most hospitals are independent businesses that must generate enough revenue to continue business operations. U. S. medical care also uses the high technology available for laboratory and radiological testing. Unlike many other countries, the United States does not have socialized medical care except for the elderly and the indigent. U.S. medical care is a fee-for-service business, which means that payment at the time of service.
Confusing Insurance Plans
Many employers provide group health care insurance for the employee and the employee family members. Many employers pay part of the cost for this group insurance. The employee must pay a portion of the cost of this insurance. Group health insurance plans take many forms - Indemnity, Managed Care (PPO or POS), or Health Maintenance Organization (HMO). The majority of foreign nationals moving into the U.S. (In-pats) come from countries with socialized medical care and all of these concepts and terms are unfamiliar to them. When contacting medical offices for appointments, most will encounter the question, what type insurance plan do you have? Confusion generates stress for the in-pat family and may contribute to failed assignments.
Bills from Doctors and Hospitals
One area that generates total confusion for foreigners in the U.S. medical system is billing for medical services. The hospital bill, the insurance explanation of benefits, along with co-payments and deductible totally confuse people from socialized medical systems. The terminology is new to them and the level of payment for services is confusing. To reduce stress levels the foreign national should have access to someone to help guide them through the maze of terms and paperwork for medical bills.
Emergencies in the U.S.
The in-pat should understand that for an emergency he should go to the nearest hospital where the medical staff will evaluate and treat the condition or call a specialist to care for the problem. Even knowing to call 911 for emergencies can alleviate stress for the family and especially the trailing spouse. Again, reducing these stressors improves the likelihood of a successful in-pat assignment.
Think of a situation where English is very difficult for the trailing spouse and a child has an accident at home. The parent does not know how to contact emergency assistance and the child is bleeding. Just imagine the panic of the parent. Later, when the parents are together again the family situation can explode suddenly. The trailing spouse blames the working spouse for causing the "mess". Many stories exist about divorces caused by repeated smaller stresses and minor crises. These situations are costly to the employer in lost productivity and possibly failed assignments.
Just as due diligence reduces risks in business deals and good planning improves the chance of success for projects, so too good preparation of employees for international relocation improves the chances for a productive and successful assignment.

5 Tips to Read Textbooks More Effectively

  1. Engage in Active Reading
    Stay focused and get involved in your reading. Read the review questions then actively seek out the answers to them within the text. Gather information and access that information critically. By using this technique of active reading, you are storing the information you find in your long-term memory.
  2. Increase Your Concentration
    There are a couple of ways to increase your concentration. First, find a quiet place to study. This can be an empty classroom or a quiet bookstore. Second, make a study date. This means that you should clear your schedule to avoid potential distractions. Lastly, let others know your plans. Your friends and family are less likely to intrude on you when they know you're busy studying. Putting a 'Do Not Disturb' sign on your door may help.
  3. Manage Your Time
    Do not over-extend yourself. Don't try to read, say, all 300 pages of your assigned reading in one sitting. Break down your reading assignment into smaller sections and schedule times (study dates) to read them. This makes the whole process a lot less overwhelming and a lot more manageable.
  4. Keep an Eye Out for Signal Words
    Signal words are cues within the text that should be treated as 'red flags'. These cues let us know that the following material is important and should be paid attention to. Some signal words and phrases include: 'Key Features', 'especially relevant', 'a significant factor', 'noteworthy', and 'of primary concern'.
  5. Start With Difficult Material
    Always start with the most difficult material. You will have the most energy at the beginning of your studies; this is the perfect time to get the hard stuff out of the way. Difficult material is also good to read over more than once. So if you read it at the beginning of your studies, then again at the end; you will have a much better chance at remembering that material. Also, reading out loud id known to help make difficult concepts more clear.

How to Look for the Best Finance Assignment Help

It is true that each student is unique. This is not just in terms of his appearance, but also in terms of his strengths and weaknesses. For sure, there are some students out there who are capable of understanding some principles in finance. Yet, there are also some people who might not be able to understand some topics in this subject. That is why if you are one of those people who want to fully understand finance theories and formulas, there are some sites that will provide you with finance assignment help. Since there are so many sites available that is capable of providing you with finance homework help. It is important for you to know how to find the best site to cater to all your needs.
Once you are looking for corporate finance assignment help, see to it that you examine the credentials of the tutors. Remember that the information will be supplied by these tutors. When these professionals are not credible enough, this means that you might not be able to get the best corporate finance assignment help that you are looking for. Determine if the professionals finished related courses in the past. Once they did, this means that they have the capacity to give you valuable information and help to secure your assignments.
You don't just have to look for the credentials of the tutors. It is also important that you examine the credibility of the site offering finance dissertation help. You can determine this by means of knowing the looking for some reviews in the internet discussing the site as a whole. It is preferable to look for the site which has been offering their service for quite a long time already. The site will not last for too long if they are not rendering the best service to their customers. You can also ask other people if they know credible sites with the most credible service ever.
Lastly, you have to examine the payment options and how reasonable the rates these sites are asking from you. Keep in mind that finance project help should not be too much expensive. That is why you have to look for a site offering you with reasonably priced service. If you can, you have to look for some sites and portals offering free service. Surely, there are so many service providers which will not require you to pay any amount. Yet, you can also look for some sites requiring you reasonable payment for it will surely supply you with valuable information.
Just in case you are looking for finance assignment help, these are some of the considerations that you need to know. By understanding these considerations, it would be easy for you to find the best and the most reliable company to work with. So as early as now, it is important for you to do your best in order to spot the best site offering finance assignment help. By doing this, you will be able to reach your goals effectively.

Cooperative Assignments – Creative Solutions in Today’s Real Estate Market

In the current real estate market, the ideal of a cooperative assignment is becoming more and more popular. In such an arrangement, a middle man comes in to affect what the home seller could not himself. Very often, it is used when a middleman gets a seller to agree to a lease purchase agreement and places a tenant buyer.
If there are serious prospective buyers for a property, then the owner has no need for a Cooperative Assignment process, but if not, then such a process may offer them a tolerable alternative to continuing to lose money. The vital component for the seller is that the property has a fixed mortgage rate, as it is much more difficult to lease out property when the monthly payment is subject to change.
Once a distressed home seller is found that is willing to accept a lease option that covers the PITI (principle, interest, taxes and insurance), thereby securing the seller's financial position, the person organizing the Cooperative Assignment then tracks down an appropriate renter that is looking to purchase a property through a lease option. The pool of candidates is much larger than those that qualify to buy the home outright, especially in the current climate where the bank's lending standards have significantly tightened. The great thing about a lease option for the buyer is simply that they get to live in the prospective home for a number of years prior to actually buying it, a number of years in which they can improve their financial position and be prepared to purchase once the option becomes due.
For the person organizing the Cooperative Assignment, most of the fees for the service are collected from the renter/buyers. Further, if the renter/buyers need some help with the upfront fees, this can be lent at a high rate of interest by the person organizing the Cooperative Assignment. The exact mechanics of the process, the fees charged, and the profit made depends entirely on how the organizer chooses to organize the arrangements. In some cases the organizer may serve as a fee-based third party consultant, while in other cases the organizer may become a principal in the arrangement organizing the entire matter as a "Sandwich Lease Option" (where the organizer serves as the official leaser with control of the lease option and then subleases the unit to the renters). The number of ways that a Cooperative Assignment can be organized is solely limited by the organizer's imagination and the willingness of the other principals to go along with the proposed agreement.

Add a Special Notice to Your Joomla 1.6 Site in a Module

Have you ever wanted to put a little notice on your web site, temporarily, that just announces something? For instance, maybe you want to announce that your book will be released in May so you can pre-order it in April. How do you go about doing that?
Log into the Joomla backend.
Click on the Module Manager or select Module Manager from the Extensions menu item.
The Details Section
--Click on the New icon, which is an orange plus sign.
--Select Custom HTML, about mid way through the options.
--Enter a title in the title field.
--Click Show or Hide the title. If you hit Show, the exact text your put in above will be the title field for the module.
--Select the position for the module. If you know what position you want, just type it in. If you do not, then click on Select position. If you use the Select position button, then click on the drop-down menu on the right-hand side for Select Template. Scroll through until you find the correct module and select it. If you still aren't sure what position you need, try running this command.

--Make sure the module is published.
--Make the access Public.
--Skip Ordering for now. It's easier to order the items when you're looking at a list of all of the modules.
--Put in the day to start publishing this module. In this example, you'd want to put in March 1.
--Put in the finish publishing date. In this example, it would be March 31.
--The note field is for you. The text will show up in the module manager, but users of your web site will not see it.
The custom output section
--Type your notice in the editor section. The editor that shows up will be the editor assigned in the user profile you logged in with. Most editors have an icon you can click on to get into the source code, or HTML. Often the button just says "Source," but sometimes it might say HTML or have a less than and greater than sign.
The Menu Assignment Section
--Decide where you want the module to show up. If you're not sure, set the module assignment to "On all pages." Joomla 1.6 has the new feature that you can select "all pages except the ones selected." Or, perhaps you only want the notice on the home page.
Click Save and refresh your website.
Put the module in the correct order
After you hit save, you'll be back in the module manager. One of the columns is called Position. Click on the word Position, and the items in the list will be sorted by the position they are in. The triangle to the side indicates if the order is ascending or descending. Look at the modules in the position your new module is in. Are they in the correct order?
If you want to change the order, click on the word Ordering at the top of the next column. A tiny diskette will appear next to the word Ordering, and little up and down arrows will appear in the columns. Use the arrows to move the modules into the correct order. Alternatively, you can type the order numbers into the text box. When done, click on the little diskette to save the order.
Refresh your website and verify it is correct.

Cost vs Value of Commercial Photography

Organizations hiring professional photographers for taking photographs of the corporate premises and industrial setup, calculate the cost towards out sourcing the photographic assignment. They generally call for 3 or 4 quotes/proposals from the local or domestic professional photographers for the assignment. In case, of international projects, companies may rely on advertising agencies to co-ordinate the photo-shoot assignments.
It is always easier to calculate the cost of hiring a professional photographer, which is generally mentioned in the formal proposal. Along with this basic costing, organizations have to also take into account the costs towards travel, lodging and boarding of the photographer along with his team. In case of multiple locations spread throughout a nation, the scheduling and timing of the availability of the local factory manager/staff, assisting staff and logistics have to be planned well in advance, so that there are not last-minute unpleasant surprises.
Value of Commercial Photography
Calculating the value of commercial photography is far more complex than arriving at a simple tangible figure for the costing factor. How valuable is the photography? There are several probable answers to this query.
One of the answers to this query is a yet another question: What is the end usage of the digital photographs captured? There are several applications for high quality digital images, to name a few: corporate collaterals like brochures, catalogs, banners, indoor and outdoor hoardings as well as other promotional materials like pamphlets. The same images can be used by the organization for the digital media like websites, blogs, Social Media Optimization (SMO) etc.
With several usages of the digital images, the photographic assignment becomes important and its value increases. Photographs that are captured with state of the art equipment along with through knowledge of an ace photographer gives a distinct edge over any other option, that although seems to be time and money saving in short-term, can prove to be an expensive mistake in long-term.
Another factor, in calculating the value of the commercial photography is the time and efforts required by a staff member who is an enthusiastic "amateur" photographer armed with just a point and shoot camera to capture the entire facilities of the organization. The resulting images will in any case be amateurish and not convey the appropriate corporate identity as envisaged by the top management.
As a professional photographer, you need to convince and educate the clients on the all importance of hiring a professional with years of experience and expertise in the field of photography. The end results will always be justified in terms of value addition to the company's corporate identity and overall corporate image in their clients and customer's minds.

What Is Your Purpose? Identifying What You Want To Achieve – Your Goals

What if you were to identify your life , you could achieve all of your goals and dreams? Goals are there to identify the actions you take to fulfill your purpose, not to be your purpose. Purpose is the driving force behind you setting the goals you want to achieve. Goals are merely a reflection of your overall purpose. But, as Dan Miller says in his book, 48 Days to the Work You Love, "A goal is a dream with a time frame of action attached."
Perhaps some of you read this article because you are you feeling confused, depressed, even hopeless about your direction. And, others may be brimming with enthusiasm yet seeking a system to record and live out positive changes you desire to make. However, some may be curious as to how knowing your life purpose could make any difference?
What you need to know is that your life purpose is about knowing who you are and what energizes you. Also, it is about realizing your natural talents as well as the contribution that is made to the world when you are utilizing your gifts. Your purpose gives you a new framework of value that begins to shape every action, decision, choice and moment of your life…especially when the flow of situations try to throw you off course. So, whether you are experiencing a crisis, elation moment, or you are faced with a transformational opportunity, it is important to stop and self reflect in order to identify your purpose. ALL goal setting revolves around your core purpose.
To identify this purpose, it is important to explore four primary questions:

  1. What are your ASSETS/STRENGTHS (they energize you)? 2. What are your EXCITEMENTS and ENTHUSIASMS (they energize you)?3. What do you REQUIRE TO BE STIMULATED?4. What is your PRIMARY LIFE ASSIGNMENT?
    For every new opportunity that comes along, I now ask myself how it aligns with my purpose. Regardless of how much money I could acquire, if the activity does not align with my primary life assignment, which is the core of my personal mission statement, then I do not pursue it. Here is my primary life assignment: "To stimulate, orchestrate, and implement initiatives that transform people, organizations and communities while in the process brings intrinsic value fiscally and personally ".
    How do you discover your real purpose in life? I'm not talking about your job, your daily responsibilities, or even your long-term goals. I mean the real reason why you're here - the very reason you exist.
    Robin Chaddock, in her book, How to Find Your Personal Path to Success: Living Out Your Passion and Purpose, talks about identifying your central strengths and central passions. She calls these two (2) identifications your divine assignment. The premise is that if your entire life is inundated in activity that revolves around living out your strengths and passions, you will ultimately be led in the direction that is God directed, offers contribution, and produces personal happiness and an abundance of energy. The expression of our strengths and passions contributes to a cause greater than ourselves.
    And yes, sometimes it takes a major crisis to wake up and realize the importance of doing the inner work of clarifying your true purpose. The good news is you don't have to stumble along with a 'trial and error' approach which can take decades. You can start today. Let's do that now.
    We will be utilizing an exercise that will help you to define your life purpose. It is important to think about your purposeful life assignment from the perspective of utilizing it in all areas of your life. Areas of your life where you are not engaged in your life assignment, you will probably notice that you feel lethargic when you perform these tasks. Additionally, it is common to want to continually procrastinate those activities we don't enjoy.
    Every company continually seeks to maintain an inventory of its assets. Individuals often maintain a financial asset inventory which is valuable in forecasting retirement needs and as well as present and future budgeting. A personal asset, enthusiasm and stimulation inventory serves the purpose of providing awareness in regard to what will fuel your growth in all areas of your life: spiritual, personal, emotional, career, interaction with others, fun, increased wealth, and cleaning up messes and stuff.
  2. What gives you energy? (Activities, people, events, hobbies, projects, etc.)2. What are the things that you want to spend hours doing?3. What activities make you lose track of time?4. If you had to teach something, what would you teach? How would you document and explain your most important message to others? What do you want them to learn in a lifetime?
    Exercise:Start out by making a list of your primary assets and then make a list of what excites and motivates you. The specific example below should help you in your brainstorming process. Then, you will be provided with a list of words whereby you will circle five in each category. You will circle five in the Primary Assets area and five in the Primary Excitements area. Don't forget to keep it simple. Goal setting is focused, simple, and specific to what you personally want to achieve in your life.
    Here's what to do:1. Take out a blank sheet of paper or open up a word processor where you can type.2. Write at the top, "What is my purpose in life?"3. Brainstorm answers that emerge
    So, let's begin with a quick brainstorming session and list the assets and excitements that immediately come to your mind. Then, create a list of the things you do not enjoy and you are not skilled in doing these things (ineffective proficiencies). Don't do a lot of thinking; but rather, just let the ideas flow and record them as they surface.
    Assets and Excitements• Assets, include the set of skills and abilities at which a person is very, very good. Everyone has many competencies, but only a few unique strengths. A person who utilizes their strengths is creative, energetic, and highly productive. Excellent work is the product of one's strengths.• Enthusiasms, include those activities that people absolutely love to do. They gravitate toward these activities whenever possible, often making time for them over other responsibilities. One's passions are the activities which bring immense energy.• Ineffective Proficiency, are the skills at the opposite end of the spectrum from unique strengths. Ineffective proficiencies, often called weaknesses, are those activities by which a person struggles. If necessary to use a lesser competency, a person lacks energy and enthusiasm, becomes easily frustrated and distracted, and generally produces below average productivity and quality.
    Specific examples of "Asset Words" are as follows (identify three (3) that represent you): accomplish, achieve, administer, assess, clarify, communicate, counsel, create, develop, discover, design, educate, evaluate, express, formulate, grow, identify, inspire, lead, manage, measure, mold, nurture, orchestrate, organize, preach, prepare, process, promote, radiate, represent, stimulate, strengthen, supervise, teach, understand, unify, and value.
    Specific examples of "Enthusiasms" are as follows (identify three (3) that represent you): balance, comfort, compassion, creativity, dignity, faith, generosity, honesty, hospitality, humor, joy, kindness, mercy, orchestration, peace, service, transformation, unity, wellness, and wisdom.
    Now pick one top primary asset word out of the three you picked and one primary enthusiasm word out of the three you picked. Each of these words equates to your primary assignment. In other words, ASSET WORD + ENTHUSIASM WORD = PRIMARY (or DIVINE) ASSIGNMENT!
    Now that you have identified your purpose, make sure that all your activities align with that purpose. You will feel energized and intrinsically rewarded.