Rebuild Your Credit With A Prepaid Credit Card

It can be pretty tough when your credit is bad and it is next to impossible to get credit when you need it. Most major credit card companies will not talk to you, and a lender – well, forget about it. There is a way, though, out of the tough situation with a prepaid credit card. Here is what you can do with a prepaid credit card to help rebuild your credit score.

Need A Bad Credit Rating

One of the best things about a prepaid credit card is that it was designed for people with bad credit. In fact, that is one of the qualifications. There will not be any check on your credit rating, or your employment. Anyone can get one of these credit cards, but you will need to deposit a cash amount equal to the credit limit you want. This lets you know that it operates on a debit basis – no actual credit is given.

Get A Card That Reports To A Credit Bureau

Not many prepaid credit cards actually report to a credit bureau. That is, however, the kind of card that you want to get. While others make having cash handy, it really will not help you (or anyone with bad credit) in the long run.

Watch The Fees

Prepaid credit cards often come with a number of fees. You should compare one card with another in order to get the fewest fees. In order to get a prepaid credit card that reports to a credit bureau, you will probably have to pay an annual fee – could be as high as $ 100.

Look For Benefits

Most prepaid cards do not come with any benefits, but some do. You can get points, like on a regular credit card, that are useable for a few benefits – like free phone time, and more.

No Credit Card Abuse

Another good thing about these credit cards is that you can never go over your limit, or have to pay any late fees or interest. (Hey, this is sounding better all the time). This means that if it reports to a credit bureau, that it would be impossible to get a lower score than what you may already have with this kind of card.

Easily Put Cash On Your Card

Most prepaid cards will allow you to easily put credit on it from just about anywhere. You can even put your paycheck onto it by Direct Deposit.

Use It Like A Credit Card

A number of these prepaid credit cards can be used in the same way as a credit card. You can set up automatic bill payments, purchase things online, or over the phone. If you want this feature, however, be sure that the ad says that you can do this.

Like any other credit card, you will want to compare features and fees in order to find the best prepaid credit card for your needs. While most of them are similar, the fees vary broadly. Since no qualifications are needed, why not get the best?

Photography Backdrops And How To Select The Best One For You

You've studied all the different camera settings and by now you've learned all about the difference between shutter speed and f-stop. Thanks to your studies of lighting patterns, the difference between butterfly and split lighting is an obvious no brainer … Now, it's time to consider the backdrop.

In my experience, having over 6000 professional sessions under my belt, MOST people prefer to have a natural setting rather than a formal backdrop.

For example …

If you're shooting Indoors – possibilities may include placing your subjects on the floor around the fireplace, (always have a fire burning or it appears as nothing but a black hole in the final print), or they could be posed on and around their furniture in the living room, etc.

Outside portraits could be in their back yard, at the beach, a local park, etc. Anyplace that has meaning for THEM!

Most people just want a beautiful portrait that singles them out as individuals – rather than just another group posed in front of the same old pull down screen that everyone else uses.

Whenever possible, ALWAYS try for a location that has meaning for THEM …

However, if you must use a formal backup, here are a few suggestions …

First – buy a commercially available background stand to hold your backdrops. They do not cost much and for ease of use, stability, transportability etc. it's better than making your own.

For this discussion, I'm assuming you DO NOT own a professional portrait studio and are doing your sessions in your home (or your customer's home).

There are several types of backdrop materials:

Paper- Large rolls of paper come in most any color you can imagine. They can be purchased at many local camera stores and are relatively inexpensive.

Pros – They are readily available – are fairly inexpensive – come in most any color you can imagine. They can be used in a "sweep" so the model (s) can sit or stand on the paper and have it seamlessly up up behind them. Paper rolls come in two basic widths (around 4 feet and around 9 feet as I recall, I do not often use them).

Cons – The smaller size is not wide enough for much more than a head shot while the wider size is very heavy – difficult to transport – and most homes do not have enough "empty" space to sweep it without moving around the furniture. (People really do not like you redecorating for them!) The paper gets dirty, gets creased, tears and has to be constantly replaced. If there are animals in the session, the papery feel and crinkly sounds freak them out.

Painted Canvas – These can provide some truly stunning portraits. Many back suppliers create them and they can be ordered over the internet if you do not happen to be near a supplier.

Pros – Depending on the creator, they can be stunningly beautiful. There are thousands of colors and patterns available and if you have something unique in mind, you can have one created just for you, to match your exact specifications. They are very durable and will last years. They come in many sizes and can be used in a seamless sweep.

Cons – They are EXPENSIVE! EXPENSIVE! EXPENSIVE! Again, like paper, the wider ones are heavy, difficult work with and to transport. Like paper, size vs. living room furniture is a challenge.

Seamless paper and canvas backgrounds tend to be the province of professional studios – where they can be mounted on the walls and just folded down when needed.

They are really difficult to work with in the field.

I recommend that you go to the fabric store and get strips of material. As wide as is available and about 12 feet long. Getting some sort of material that either does not easily wrinkle, or where wrinkles will not matter is best.

Pros – Choose the type and colors you like, you can get any color, style and texture that suits your fancy. It can be hung bunched up (like theater curtains) behind the subject, or stretched flat if only one piece is needed. One piece can also be used as a seamless sweep.

You can use one piece or thirty – no matter how wide your back needs are, you can easily accommodate them.

It's easy to store and transport (just fold up the strips and put them in a box in the back seat of your car!) Material is very inexpensive compared to a painted canvas (which can run into the thousands of dollars) It's reusable so it works out to be cheaper than paper in the long run.

Use another piece of two for the flooring and since it's flexible, it can be flowed around furniture. Animals have no problem walking on it. (It's washable too!).

Cons – If you want multiple strips (and you do!), You may have difficulty finding enough of the same material. If you live near the garment district in a large city, they may have it. Otherwise you may have to have your local fabric store special order it for you.

These are the major background considerations and you should have no trouble finding the perfect backdrops for YOUR creative vision!

Using Large Aperture Settings – Digital Photography Tips

If you want your photo to be as sharp as possible then you are going to need to learn some good information about how to use the aperture settings in your camera. Improper use of this in your camera can make for photos that are not as great as they possibly can be.

There are many different measurements in photography. The measurements are measurements mostly of light and the amount of time that the photo is exposed. The aperture is something that you really should try to understand. The aperture what controls the amount of light that is let into the camera.

In photography, light is critically important and controlling it correctly will make your photos much better. The aperture is measured in F-stops. There are different values ​​of aperture that can be large and small. A larger aperture will let more light into the camera for exposure. Because more light is let in you can expose the image faster and then use a faster shutter speed. This can really be useful when you are taking pictures of fast movement and need a fast shutter speed. Also, using a fast shutter speed will ensure you do not get the camera shake effect from your hands.

Another great tool that you can do with using a large F-Stop in your aperture is that it can make your image sharper. What the larger aperture will do is make the depth of field be much smaller. This will make whatever is out of the small depth of field be out of focus. This can make the background be very out of focus and the depth of field area will be in focus. Even if you have the object in focus slightly out of focus, since it is the only area of ​​the image that is in focus it'll look much more focused. Of course, you always want to make sure your photo is as focused as possible.

Using a smaller f-stop for your aperture will require the opposite of what the larger aperture does. Because the smaller aperture will make less light to expose the image, it will make you need to use a slower shutter speed to expose more light. What happens with a smaller opening as an aperture is that the light that is let in will be much more directed and then will make for much sharper images everywhere. A small aperture can make for very sharp images through the entire z axis. This will make the background in focus and the foreground in focus. This is great when taking landscape photos or photos of large fields like football fields where you want the entire picture in focus.

Strategize Your Advertising with Vinyl Graphics

Marketing and advertising campaigns have taken a new dimension with the technological changes in graphics printing and decals. Adhesives have undergone a major change in the last few years, getting better and safer to use. Earlier the major problem faced by professionals was the high level of chemicals used for application and removal of decals.
New safer, easy to apply vinyl decals have simplified the whole process, that even a layman can apply it.

Vinyl graphics in the form of stickers, banners and decals are in vogue as advertising and marketing tools. Window vinyl graphics is a preferred medium, especially for store windows, car windows and glass fronts. Mainly perforated vinyl graphics are used on glass, as it is safe and does not heat up easily, even on exposure to sunlight.

Another good area which had benefited by using vinyl graphics is the banner advertising sector. Banner graphics are often printed as photo prints with laminations, which have higher chances of curling after multiple uses. The banner stand graphics are easy to set up and transported, but used to get warped fast. With the change over to vinyl graphics, banner stands have started printing on vinyl the same photo prints with amazing results. You get the same vibrant multicolored prints with equal digital quality prints with matt finish on the vinyl, without the fear of curling and warping of the banner.

With banners and decals, vinyl is being use steadily with a rise in advertising features.
The variety available in decals is actually amazing. You have a choice in colors, shapes and sizes giving you the freedom to avail the decal as per your requirement. Decals are cheaper to use than getting wraps on vehicles, making them more popular. Adding to their popularity is the facility of new eco-friendly adhesives which can be applied faster and removed with greater ease, without using heat and chemical applications.

Vinyl decals are here to stay as the cheap effective methods of popular advertisements and an integral part of marketing strategies. You are your own master whether it is applying the decals, removing them, designing them and strategizing your campaign. Although professional auto installers are always there to help you in case needed but the dependence is over. So, market your product and target a wider section of audience with vinyl graphics . Add it to your store window and increase the number of customers or print your trade show banner with it, unlimited choice with better results.