Oct 062022
 

You can use this lens for close-ups, but be careful with your composition.
Large areas of the image will become blank and could destroy your
picture.

Photography is defined as ¡°The art or process of producing images by the
action of light on surfaces sensitized by chemical processes.¡±

Of course, this is landscape photography on a big scale. Not many people
are lucky enough to start off traveling the world. Most importantly, get as
involved with what you love as possible. Learn as much as you can about
photography and what makes good photography. Subscribe to magazines,
read books, look at winners of photography contests.

There are different ways of finding photography jobs, depending on the
type of job you are looking for and your experience. You can begin by
creating a resume and portfolio of your work.

The Role Of Photojournalism In Our Daily Lives

Photojournalism is a branch of journalism that tells a story through the
form of images. The point of view of photography, is it different from its
other branches in the sense that the stories from the images
photojournalists offer are news related.

They are informative, and relevant to society, as well as informing us of
what is happening around the world. These images also possess the
quality of being objective. The context of the images, and its relevance
are directly connected to the story it’s telling.

Photojournalism is an essential part of the news media

To most people who watch the news or read newspapers, pictures are
what give them a visual representation of what the printed words are
summarizing. This makes reading the newspaper more effective because it
gives the readers an idea of what it must be like to witness these events
as they are unfolding. This is especially true of those who seldom watch
the news, or read the newspaper. These images become their key to
understanding the stories that are being reported in the news.

Photojournalists

Photojournalists don’t have an easy job. There are certain times when
they risk their lives just to bring the news right into our living rooms, so
we can be informed of what is happening around us. Obviously, there is
professional photography but even in that choice there are many other
smaller options that you have as well.

Whatever your reasons, a photography contest can be a fun and
rewarding experience for you. To find out all you need to know about
entering a photography contest, read on.

Nature photography is the photography of animals, birds, fish and other
wildlife. We will be discussing marine photography in a future article,
because it involves specialist, expensive equipment and assorted diving
skills. Do you like to take photos? Are you always standing by with your
camera waiting for that moment that is meant to be captured on camera?
You may even be taking photography classes or maybe you have already
completed a photography course and you want to share your photos with
others.

Photojournalism takes pictures of events to support the news story and
to create awareness among the people.

Through the form of photographs they are able to let us in on the
situations and events that are transpiring in other parts of the world.
They offer us a glimpse of the people, their actions, places, things and
scenes of daily life that are captured in their images. This way we become
aware of the issues that are facing our society today.

Role of Technology in Photojournalism

The advent of technology has made the influence of photojournalism
more pronounced. Nowadays, news can literally travel the globe within
minutes. The usage of the internet, videophones, and excellent quality of
printing technology has made the role of photojournalism a more visible
presence.

This is why more than ever photojournalists have a much greater
responsibility of ensuring that they present images that are objective. The
downside to the progression of technology is that now individuals have
the ability to manipulate images. This is where the question of ethics
comes in. This is why there is a code of ethics that have been established
to address these issues. Although, these tend to vary from country to
country. Photojournalism is a serious profession that merits respect and
attention. After all, the images that accompany the stories in the news
are truly what helps the public understand the meaning behind the
words.

There are different ways of finding photography jobs, depending on the
type of job you are looking for and your experience. You can begin by
creating a resume and portfolio of your work.

The world of photography is an amazing one. It¡¯s been with us for quite a
while now but it is constantly changing. Cameras are changing and
improving. Methods of developing are changing and improving as well.
More on Wedding Photographer Malaysia.

You will want to be original and if possible, catch a scene that has not
been done before. You really want to impress the judges with something
you do not normally see.

With digital you have no such limitations. You can shoot 300 pictures of
sunsets, waterfalls, wildlife, wedding photos or your grandkids, and it is
not a pain in the billfold.

Another consideration in selecting a professional photographer for your
wedding is what you get for your money. Most professional wedding
photographers offer package deals that include a set number of prints of
different shapes and sizes for one price.

Oct 052022
 

The number of young kids under the age of 14 and infant, toddler and preschool in China is over 300,000,000, accounting for 25% of the whole population. Among them 80,000,000 live in the city, which form a large numbers of toy consumption. Especially in recent years, parents identify with the concept that toys can enlighten children on their intelligence, moreover, majority of modern families in China only have one child, parents are willing to spend on their child. Although according to the official statistic, the toy sales in mainland of China are no more than 2,000,000,000 dollars in 2006, it is estimated by people in this industry that the actual market demands should be 9,000,000,000 dollars. People in this industry believe that the forecast demands of Chinese toy market will increase at a rate of 40% per year in the following years, and the consumption of Chinese toy market will hopefully exceed 13,000,000,000 dollars.

In recent years, it appears some characteristics for toy sales in mainland of China:

1. Model Toys
Electric model toys attract both children and adults, such as tank cars, cars installed with alarm whistle and so on. Though these toys are not cheap in price, especially the electric toys, commonly between 8-10 dollars, some even as high as 80-100 dollars, but they have a strong footing in the market.

2. RC Toys
Appeared with high technology, for instance, electronic toys that can sound or shine, rc toys and interactive toys that can speak or perform a series of actions are salable goods. Presently, various rc toys on sale in the market reach about 1 hundred kinds, mainly are variety of rc toys (remote control toys) and hobby items, such as rc car, rc helicopter, nitro rc car, rc gas boat, remote control helicopter, remote control car etc., each rc car(remote control car) costs about 20-65 dollars,rc gas boat(remote control gas boat) is about 20-50 dollars,and the price of rc helicopter differs between 450 – 2,000 dollars.

3. Plastic Toys
Plastic has taken the place of metal, wood and have become the main material for toys making, because it costs low, easily deals with, safer and light.

4. Adult Toys
Besides the children toys, adult toys in mainland of China are also have large market. According to the latest investigation of China Social Investigation Office, 33% of adults think they are fond of toys and would like to buy them. It is investigated that except for traditional Chinese Chess, I-go and kite, adults prefer rc toys (remote control toys) and hobby items, such as rc car, rc helicopter, nitro rc car, rc gas boat, remote control helicopter, remote control car etc. The last research of China Toys Association shows the acceptable toy price for most consumers in the large and medium sized cities is no more than 15 dollars. However, in some large cities and some medium sized cities, some ingenious and top graded toys reaching up 150 dollars and even 1200 dollars still have their market. It takes an average of about 5% of the whole year consumption for Chinese citizens to buy toys, and with the toy development of top grade, brightness and series, in particular, rc toys (remote control toys) and hobby items, such as rc car, rc helicopter, nitro rc car, rc gas boat, remote control helicopter, remote control car etc., the toy consumption will be in the status of advancing.

Oct 042022
 

Mobile phones have brought life on the fast track, providing us more hi-tech innovation and multimedia comforts. Get hold of the latest mobile phone that offers you outstanding features as well as high-end performance. Go online shopping to buy your dream gizmo and flaunt it with style.

Mobile manufacturing giants including Samsung, Nokia, Sony Ericsson, LG and Motorola provide you latest technology along with entertainment components. New-age mobile phones boast a wide range of power-packed features that cater to your personal and professional requirements. The handsets are fully loaded with fantastic looks and design, high definition mega pixel camera, multi-formatted music player with incredible stereo sound quality, FM radio, crystal-clear screen display, high-speed wireless networks like EDGE and Bluetooth, excellent multimedia messaging, Web browser, exciting Java games and MP3 ring tones, and much more. Purchase the newest mobile phone available in the online market and stay high in fashion.

The online market gives you the easiest option to buy your gadget – through contract mobile phones. The advantage of buying a mobile phone online is that you can avail lots of special offers along with your handset. Visit top online mobile shops including Cool New Mobile, the Mobile Outlet, Mobile Club 7 and BuyMobilePhones.net, and update yourself with the lucrative tariff plans available with the latest handsets. Browse through the display of contract mobile phones these shops offer. The best and cheapest mobile deals provide you 12 months free line rental, cash backs, free gifts and other benefits. You can even buy your desired handset totally free of cost!

Select the handset of your choice and compare the best contract deals available with it. Sign up for a 12 months contract deal and avail 12 months free line rental along with other incentives. Buy the most fashionable mobile phone and spice up your life.

Oct 032022
 

Today everyone wants to have the latest mobile phone with latest features and latest technologies. Earlier it was a dream to have a mobile phone with the most advanced features. But with the dropping prices, these phones have become affordable for all classes of people.

The best way to acquire a best deal in mobile phone is shopping through online mobile phone shops. The online mobile phone market is flooded with various models and designs. Mind boggling deals, special offers and cash-backs, make the hi-tech phones affordable for you.

Cheap mobile phone deals are of different types like reduced line rentals, 12 months free line rental, contract mobile phone deals, pay-as-you-go, and more. You need to select the deal that suits your lifestyle and budget. You can easily get a cheap mobile phone deal over the internet as you don’t have to go through the dealer. The availability of attractive mobile phone deals and offers allow you to pick your favourite handset depending on your preferences and needs. Most of these deals are in form of contracts with cheap line rentals and plans for a specific duration.

Leading network service providers like O2, Orange, T-mobile, offer free handsets and free line rentals with many incentives. Contract mobile phones are available as cheap mobile phones with almost all the service providers. You can also get cheap mobile phones by purchasing a mobile phone plan that provides free or low cost phones. You can do some research to get what will fulfill your needs without putting load on your wallet. The best deals are out there, you just need to look around and grab them.

So now you can easily buy the latest mobile phone with high resolution camera, MP3 player, FM, java games, email, Bluetooth, etc. Just choose your handset and get connected with any of the mobile phone deals.

Oct 022022
 

Cardiac rehabilitation is an integral part of the cardiovascular continuum. Secondary prevention is extremely essential as this prevents a recurrence or further complications such as heart failure after a heart attack. However, only few patients who are on their way to recover from heart attack or stroke are willing to join the cardiac rehabilitation program. This is because most of these patients are faced with many myths and misconception. The worse scenario is that many people still feel that there is a magic cure by depending on pills and potions recommended by friends.

Most people think that their bodies will be too weak after surgery so the best thing is to rest as much as possible. But the truth is that exercise is extremely important after surgery. During the cardiac rehabilitation program in the hospital, an exercise program will be planned according to one’s needs. The physiotherapist will explain and introduce the types of exercises that can be performed at home and at work. Exercising will help patients lose weight, lower blood pressure, and prevent type-2 diabetes.

It has been told that women and young people do not have to worry about heart disease and stroke; it is a man’s problem and also only affects the elderly. This is definitely not true. Heart disease is on the increase in women and young people. A study found that young patients seemed to gain the most from a cardiac rehabilitation program which consists of group exercises and classes giving advice and reassurance. Heart disease which strikes people in later years often has its beginning in childhood and youth and it can strike both men and women and they are equally at risk.

For people with genes of heart disease may think that because of the family history, no matter how many times they go for rehabilitation, it is not going to help to prevent another heart attack. However, the actual fact is that major part of preventing second heart attack is through cardiac rehabilitation. People do have some control over their health through their lifestyle, the smoke-free environment they live in, how they exercise and what they eat. Their genes will affect only 25 to 30 percent of their ageing process.

Since rehabilitation program also deals with diet and exercise, people can just eat healthy and exercise three times a week so that they save the hassle to go for rehabilitation classes. In reality, people may look fit physically without being aware that they could be over-stressing their heart. The cardiac rehabilitation classes recommend to the patients the appropriate type of exercises that match the condition of their heart and their medical history and they monitor how well the patients are doing. The nutrition counseling, health education talks and other rehabilitative services will also provide necessary knowledge and support to the patients’ recovery.

America’s Most Trusted Doctor Reveals … How to Prevent and Reverse Heart Disease – Without Drugs or Surgery. Read more about his confession at: http://www.howtopreventheartdisease.com/heart-disease-prevention-dr-robert-article.html

Stop Junk Mail

 Uncategorized  No Responses »
Oct 012022
 

Junk Mail: What can you do about it?
For the majority of junk mail, you can actually opt out of Junk Mail. It may seem strange, but companies want to stop junk mail they are sending if you’re just going to throw in the bin or recycle. They’d rather spend their money sending junk mail to the people who want to read it – who might be tempted by their special offers or too-good-to-be-true deals.

Opting out is exactly what it sounds like – you just inform the companies to stop junk mail that they are sending because you don’t want to receive it any more, and more importantly that you don’t want them to pass on your name and address to other companies who might also want to send you junk mail.

In some cases, opting out will involve contacting a company you already do business with, such as your bank or credit card company, and telling them not to stop junk mail – all those offers of cut-price loans or “premium” credit cards. It’s worth taking a look at the Privacy Policy of any company you’d like stopping junk mail, as “opt out” instructions may be available there. You will also need to ensure that every time you give out your name and address to a company in future, you read the small print concerning privacy, and tick any relevant boxes to say that you don’t want to receive communications from the company in future. In some cases, you may find that you need to write to head office again to stop junk mail.

Companies do make it hard for you to stop junk mail, so you’ll need to be alert and read that small print – most companies are sneaky about not stopping junk mail, and have you opting in by default, when you don’t tick the relevant box or write to the relevant department so stopping junk mail.

Other times, by “opting out,” you’re actually having your name and other details placed on a central list of people who want to stop junk mail from any company or other organisation at all. There are two main lists you will want to be on, if you want to stop junk mail: the Royal Mail’s Opt-Out list, and the Direct Marketing Association’s Mail Preference Service list. This new guide tells you exactly how to do that, and includes a set of form letters for you to send off, stopping junk mail from these sources.

Start stopping junk mail today by getting the Stop Junk Mail Guide here: www.preventjunkmail.co.uk

Sep 302022
 

The media has made lots of reports about entrepreneurs. Some may be true, some are not. Here are te 5 myths about being an entrepreneur.


Myth #1: Entrepreneurs only care about making money

Many people think entrepreneurs do what they do strictly for the money, and that taking risks is all about entrepreneur’s personal reward.

While fear of poverty or use of money as a scorecard may have some relevance – and there are, of course, some entrepreneurs focused primarily on financial profits – generally, money is not the ultimate motivator for the majority of entrepreneurs.

Many successful entrepreneurs do not live a lavish lifestyles that reflect their financial success. Their motives are often more about ego and emotion. For most entrepreneurs, money is just a way to keep score.

Money is also a way to do bigger and more exciting deals. The thrill of challenge, the motivation of a new idea, and the risks involved have far more power to motivate the entrepreneurial spirit than money.


Myth #2: Winning means somebody else is losing

You may have heard of people speak of success in business as being “on the backs of other,” suggesting that if an entrepreneur is winning, somebody else must be losing.

This attitude makes it seem like the only possible outcome of a business deal is to have one side win adn the other side lose. The resulting bottom line is zero. This is sometimes referred to as the “zero-sum game.”

Entrepreneurs are creative and expansionary thinkers. Rather than accepting a zero-sum result, and, contrary to the myth that an entrepreneur’s success comes at the expense of others, entrepreneurs often try to figure out ways that both sides can win.


Myth #3: The greater the risk, the greater the reward

This myth is always passed on to young entrepreneurs as economic gospel. The theoretical relationship between risk and reward is coincidental at best, and then only in certain situations.

Risk is a relative concept. All else being equal, real risks are modified by knowledge, experience, hard work, passion, and unforeseen circumstances. Applying knowledge to any investment can change the risk profile.

Equally important in considering risks, perception of risks is often different from reality. What one person considers high risk might be from another’s perspective a sure thing. Who then can say what’s a greak risk or a great reward?


Myth #4: As an entrepreneur, you can get rich quick

Have you heard of those dotcom millionaires? In the internet world, it sure seemed like people got rich overnight. But always remember that things often seem easier than they are.

It may seem to you that entrepreneurs made the huge amount of money, but do you know that there are lots of hardwork before he made it. Think twice about becoming an entrepreneur, if you think you can get rich quick.


Myth #5: A good business plan is the entrepreneur’s critical roadmap to success

Venture capitalists often make business plans the key criteria in deciding whether or not to fund new companies. Business educators often talk about business plans like they are the Holy Bible of business success. The theory is that the better and more complete the business plan, the better the business will go. This is a myth.

While having an idea or a goal is critical, believing that you can create a structured, believeing that you can create a structured business plan that will endure time or place is simply naive. In the real world,it rarely happens.

Business plans can be useful initial tools, but they should be used only as guidelines. Trial and error, luck, creativity, flexibility, and adapting to unforeseeable developments ultimately are what make an entrepreneurial venture succeed.

Successful entrepreneurs know when to use creative problem solving rather than theoretical business plans.

Sep 292022
 

Investing in real estate market carries risk. The reason for this risk statement is that, it carries fluctuation. Investing in the real estate market without having adequate knowledge involves high risk. With initial investment, a realtor can get succeeded in real estate investing by finding more profit and wealth augmenting business. The influence of market trend has been carried forward towards the real estate investment. A knowledge investor can obtain profit from the real estate market in despite of the fluctuations. Fluctuation can be classified in many terms. The fluctuations can be called as hot versus flat, rising versus falling and buyer versus seller. A Knowledged real estate investor will have to use a right strategy to make profit in the fluctuation. Comparable to the stock market, real estate investment does not find rapid fall in the investment. This is the main factor of real estate investing. To make the real estate venture more profitable some basic strategies should be used.

Study the local market:
Study of local market is the important factor, because local market study is the indicator of the national or international market. The local, national and international trends always have a good influence on each other. The experienced and professionalized real estate investor will always guide you for more information regarding the real estate investment market. This information will highly help you while making a decision on any profitable venture. The main function of the realtor is to be up to date with the real estate investment. Proper organization on the real estate market will give a clear view on investment.

Economies financial structure:
Economy or finance plays the major role in determining the value of the property. Because when economy comes down then the value of the property also comes down. While economy is high then the value of the property will be top listed. When number of properties has been offered in the real estate market for good price, then it is a good indicator for the changes in the market trend. If property listed in the market becomes low, then prices increases due to the demand of property. This price increase is more profitable for the sellers because they enjoy more income from the property. But the buyer finds difficult because they have to pay more consideration for the property. Price fluctuation occurs depending upon the season. So, this listing finds a good fluctuation depending upon the changing trend in the economy.

Fluctuation:
Real estate investor should be up to date with the real estate market. The real estate investor must know that within a few time the market may change with an extraordinary deals or transactions. When the real estate market finds destruction in the price of the property then the value of the property may come down. Due to this fluctuation the sellers or buyer may enjoy with the market. In some case the prices of the property may falls down in the market, in such a situation the buyer finds the venture more profitable. Sometimes the prices may increase due to demand of real property, in such a situation the seller finds more profitable with the market. So, there are alternative for both the seller and buyer to enjoy in the market. Therefore every real estate investor finds his real estate investment more profitable.

Property decision:
The main factor of the real estate investor is to be careful while making a decision in purchase or sale of property. The investor should analyze the property before he/she decided to purchase the property. The realtor should be up to date with the market trend and he should know the changes in the prices of the property. Property decision should be taken after proper analyzation and absorption of the market. In case of appreciation or depreciation of the value of the property the prices should be paid properly.

Uncertainty:
Real estate markets have changes at any time, since changes are uncertain. The changes may occur due to rising interest rate, tax rate, demand and supply, depreciation or appreciation in the value of the property and standard of living of people with unemployment will surely determine the value of the property. These are the main factors that determines the value of the property or changes in the market trend. After these changes the real estate investment market may have development or diminishment. Therefore a knowledged investor should find solution for the problem faced by the real estate market against any losses.

A good real estate investor should plan the strategy for purchase or sale in the real estate market. He should not make guesses in the real estate business. He should have to take decision and then only he should generate. Real estate markets are not ideal in nature. They get changes at any time in the property market. The investor should have ability to adopt the situation and change accordingly to make his venture more profitable.

Sep 282022
 

If you are a frequent traveler, visiting foreign countries, roaming charges hit you most. Similarly, if you are using your handset for chatting with your near and dear ones, sending messages or downloading games, ringing tones, video clips etc, eventually phone bills and downloading charges are the causes of worry. Pause! These are the matters of the past. Now online retailing shops in the UK are showered their blessings on the mobile phone users by offering various deals and tariff plans to minimize the services taxes. These deals are available only with the major network providers in the UK including Orange, Vodafone, T-Mobile, 3Mobile and lot more. But a majority of the users have showed their preference on contract orange mobile phone.



Orange, one of the best and highly reliable network providers in the UK has offered some special packages on contract mobile phone deal to all the major brands of handsets including Nokia, Sony Ericsson, Motorola, Samsung, Siemens and many more. The online retailing shops are the storehouses of mobile phones and accessories and provide network from the service providers along with various mobile phone deals. Once you have purchased a handset on Orange network from the retailing site, you automatically enter into a contract with Orange for a period of 12-18 months. During your contract with Orange, you are entitled to get free roaming facility, free SMS, free SIM, 12 months free line rental, free mobile phone insurance, downloading charges will be subsidized, low tariff plans, free upgrade of mobile phone after a certain period, and many more exciting offers.



Infact, you are using a sort of mobile phone that features a mega pixel camera, music player, extraordinary messaging services, Bluetooth, Java, GPRS, EDGE, WAP etc which means that you are provided with a device that enables you to keep the world in you hand. For this, you need a service provider in order to apply these features at an affordable price. Hence, nothing is better than contract orange mobile phone. You can talk to your family residing in foreign with the availability of free roaming facility, you can send messages at a stretch, and you can download your favourite ringing tones, singing tones, games and applications in a much reasonable rate. Want you more? Contract orange mobile phone offers you free mobile handset of your preference, which means you will get all your dream-like facilities in absolutely free of cost or you have to pay a little amount.



Online mobile phone shops have made contract orange mobile phone in such a way that it can fulfill everyone’s desire to keep a mobile phone in the pocket. With the lowest churn rate, better margins that its competitors and manufacturer of fully loaded handheld devices, Orange has already made the UK, a hub of world’s mobile phones. Now with contract deal, Orange has made a place in the heart of the users.

Sep 272022
 

Is your monthly phone bill a cause of your worries of late? Opt for a contract deal providing you 12 months free line rental and enjoy a hassle-free mobile phone experience. Clinch the cheapest contract mobile phone deal and pep up your life with the best mobile phone.


Online shopping for mobile phones has its own benefits. First of all, you can compare and select your handset and the available deals by simply sitting comfortably at your home. Secondly, the online shops provide you a wide range of mobile handsets with specific features so that you can choose your handset according to your needs. Be it music, camera, Bluetooth, EDGE, TFT display, games, expandable memory card slot, Web browsing or messaging options, you can have them all in one mobile phone. The online mobile shops offer you the best power-packed handsets at unbelievably low prices and with special offers simply irresistible. So go for a 12 months free line rental deal and grab the latest gadget!


Login to an online mobile phone shop to get the latest updates on mobile technology and new mobile phone deals. Sign up for a 12 months contract term with any online shop and avail 12 months free line rental along with the handset of your choice. All the leading online mobile phone shops including Mobileshop.com, 3 Mobile, Dial-a-Phone and e2save provide you with a display of latest handsets available with the 12 months free line rental contract deal. Attractive tariff plans are offered by network service providers like Orange, Virgin, Vodafone and T-Mobile. The offers include cash backs, free gifts, free line rental, even free handset and lots more. Go through these packages available on the online mobile shops and grab one.


A 12 months free line rental deal assures you of all these benefits and a new mobile handset with no monthly payment for a 12 months contract period. Get your mobile phone today and enjoy the benefits.

Sep 262022
 

‘Cash is the king’ is an undebatable truth. The vital importance of cash to the growth and day-to-day management of modern small businesses is very much evident. Even though profit, turnover and market shares are indicators of success, there is no replacement for cash. If there is no cash in the bank to meet monthly bills, wage runs and loan payments then any business can succumb to the crunch. Cash flow is generally acknowledged as the only pressing concern of the small and medium sized business enterprises. Small businesses typically enter into factoring arrangements to solve cash flow problems.



The lack of access to capital has prevented many small businesses from growing and capitalizing on the many opportunities that are available to them. Small companies do have to forgo large deals or opportunities because they do not have the necessary capital to obtain the resources to service the account. Inadequate capital resources along with the necessity to offer commercial credit to clients, often makes business owners victims of their own ventures. Factoring is a relatively unknown financial solution that has become available for smaller companies in such crisis situations.



Factoring, by definition, is the purchase of accounts receivable without recourse. Factoring is one of the oldest forms of commercial finance. The term factor comes from the Latin verb ‘facio’, which means “he who does things.” The history of factoring is the history of agents doing things for others. The colonists started widespread usage of factoring in the 1600s in Northern America.



Factoring accounts receivable is a form of short-term borrowing. Typically, the small business owner transfers all or a portion of your accounts receivable to a bank or other lender known as a factor. This factor immediately gives him a percentage of the accounts receivable. The percentage the lender is willing to advance is known as the discount rate that is typically 60 to 80 percent. This money allows the business owner to fund current business operations and generate new accounts receivable. The factor, usually takes responsibility for collecting all the accounts receivable.



Accounts receivable factoring is the sale of part or all of a debt that someone owes to the company. When companies provide financing through accounts receivable factoring, they essentially pay for the invoices as soon as the business owner generates them at a small discount of the invoice amount. They also provide accounts receivable management services by collecting the debt directly, monitoring credit of your clients and providing aging reports. Factoring allows a company to obtain financing without selling part of the company. It should be viewed as a bridge to growing a company, an interim step to obtaining a traditional credit facility or an equity capital.



Factoring is prefect for companies that are fast growing or those that seek to seize market opportunities. By using factoring, the entrepreneur can meet increasing sales demands. Today, it is estimated that factoring is a ‘$100-billion-a-year’ industry in the United States. Accounts receivable factoring makes up about a third of all financing secured by American companies using accounts receivable and inventory as collateral. Wholesalers, distributors, transportation, staffing companies, manufacturing and business services are some of the more common industries.