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1. Real Estate - Photograph homes as a paid service to realtors in your area. Since most newspapers and ‘home for sale’ magazines feature photographs of the homes that are for sale, your services can allow the realtors to spend more time earning their living instead of taking pictures. Also, with the popularity of the internet, most real estate agencies have websites with featured homes or searchable listings. These websites usually need good photographs as well.

2. Amateur sporting events - elementary, junior high, or high school sporting events offer a great opportunity for taking photographs of peoples kids in action. By getting good shots of their kids, you’ll be able to offer great photographs to proud parents who don’t own cameras, or forgot to bring them, or didn’t have the great shots that you got.

3. Digital Image Collections - bundle hundreds of photographs onto a single CD rom and sell as a royalty-free package for web designers and graphic artists that don’t want to take time from their areas of interest in order to take photographs.

4. How-To Projects - photograph the progression from start to finish of a particular project and put a few explanations with it and then offer it for sale as a ‘How To …..” guide.

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5. Insurance Records - offer your photography services to property owners who want to document their possessions for insurance purposes. Offer the final photographs on a CD. An add on business would be to have a written itemization for all the items, which could be included with the CD.

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6. Child Safety Identification - not all parents have recent photographs of their children. By offering photography services as part of a Child Safety ID business you are doing a service to improve children’s safety. Additional services could include recording fingerprints and a hair sample.

7. Digital Image Website - by putting high quality or interesting photos on a website you can create a cyber-gallery from which people can by prints. Many online photo-processors want you to do this because it means additional income for them too. Just upload, email, or send the online photo-processor your digital images and arrange them into albums. Many photo-processor’s provide online tools so that you don’t have to build your own website, or know how to run expensive photo editing software. Every time someone buys one of your photos from your gallery, the photo-processor makes a buck, and so do you.

8. Publish Church Directories - most churches want directories of the families and other members of their congregation or parish. By using your digital camera, careful documentation, and a some software you can create a church directory that include a photo of each family or individual, as well as their contact information. Your directory doesn’t just have to be a printed out version, it could also be an online version. However, due to privacy concerns, some churches may not want their members contact information to be publicly available via the world wide web.

9. Selling Scrapbooks of Events - if you’re a Scout leader or a participant in a family or class reunion, you could be the person who takes pictures of the big event, compiles it into a easy-reading visual scrapbook, and sells it to others who were at the event. Everyone wants a souvenir and reminder of a good time, and as memories fade, a quality scrapbook would be something most people appreciate.

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10. Freelance photographer - go to public events and take photographs of the goings-on. Immediately contact local newspapers and magazines about the availability of your photographs and work out the details of how they prefer to look at the images you’ve captured. You never can tell when a publication didn’t know about the event in the first place.

About the Author

C.S. Deam is a small business owner. His eBook Leverage Yourself Out of the Rat Race is available for immediate download at www.LinkertonPublishing.com where you can sign up for FREE E-Courses & Newsletters to help you on your path to self-employment.

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People often ask “What makes a good business plan? Or, “How do I make my plan attractive to lenders and investors?”.

The simple answer is that lenders and investors (I’ll call them “readers” from here on out) are looking for “good deals”. A “good deal” is one that offers the reader a reasonable rate of return for the risk assumed. The complete answer is that you should write a plan that a reader will want to read and then get it to reader(s) who are looking for your type of project and levels of risk and return. This article deals with the first part of the equation - how to write a business plan that readers will want to read.

Readers want plans that clearly, accurately and completely allow them to make an initial determination about the project. Here are the steps needed to write that plan:

Oh yes! Now that you have read till this point, we promise that furthermore you will have something exciting. Your additional interest in this report would be an added leverage for you.

To paraphrase a real estate expression, the three most important things about a business plan are research, research and research. While other things are important (even critical), ultimately your plan will live or die on the quality and completeness of your information. For that matter, you’re about to risk your time and financial future on a project - how much information do you want to have? Step one:

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1. Become expert in your project. Learn everything possible about:

a. The customers to whom you will sell (your market).

b. The competition.

c. The actual costs of operating your business (get quotes).

d. The actual results of similar projects.

e. Your industry.

f. The project’s physical location(s) and it’s impact (if any) on the project.

g. The people who will be key to the project.

(You are welcome to use as a guide the questions that we use with FundablePlans to query a business plan. It is available via e-mail at http://www.fundableplans.com/how-to-do-a-business-plan.html )

If you’ve followed the above, you’ve now got a mound of research - sticky notes, web pages, reports, quotes, etc., etc. But, what does it all mean? Step two:

2. Analyze. (Hopefully) when you first got the idea for your project there was a sense of excitement and a feeling that “this is a sure winner”. Now is the time to see if your feelings were well founded. With a critical eye, do a “SWOT” (strengths, weaknesses, opportunities, threats) analysis on your project. Determine what you are able to do to capitalize on the S and O and minimize the W and T.

Steps one and two may have changed somewhat your “sure winner” feelings - which is good. (If not, you either have hit upon the next “sliced bread” or you need to redo the preceding steps). Presuming that your research and analysis shows a worthwhile use of your time and money (and that of your readers) move to step three:

3. Forecast. This is where the “rubber meets the road”. Using your research and analysis you will now tell your readers that “this is what will happen to the money”. You’ll do it with accounting forecasts called “pro forma” statements. Provide either three or five years of statements with (generally) the first year done monthly, the second and third done quarterly and (if included) the last two years done annually. In all events, include:

a. Operating statements.

b. Cash flow forecasts.

c. Balance sheets.

Optionally include:

d. Various ratios (loan to value, debt service coverage, etc.)

In addition to the above, you should usually include a “Source and Use of Funds” showing the sources of the initial capital and on what it will be spent.

By this point you’re either sure you have a winner (differing from “a sure winner” in that you recognize the obstacles but are prepared to work through them) or you are going back to the drawing board to rethink your project. If you “have a winner”, step four is:

4. Write the plan. Obviously, you need to be able to use good grammar and spelling. You should be clear, concise and complete. Fill your plan with compelling facts gleaned from your research. Do not avoid the W and T from your SWOT analysis, rather, describe in detail how you will deal with them. Avoid platitudes and your own opinions - everyone knows that you like the idea, readers need facts to determine if they like it. Try to keep your answers as short as possible while still giving complete information. With the exception of the Executive Summary, keep your answers somewhat dry and factual - “short, sweet and to the point”.

The Executive Summary, on the other hand, is where you “sell the sizzle”. It is here that you make the claim that yours is a dynamic project that deserves full consideration. You need to compel your reader to read your plan and tell them why you are excited about the project.

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There are likely as many ways to compile a business plan as there are authors of them. A sample outline is at http://www.fundableplans.com/sample_business_plan.pdf . (It requires Adobe Reader to view and includes our logo which is not included in our plans.) You will want to attach to your plan copies of documents referenced in it and historical data on the business (if it is not a startup).

You’ve now done the lions share of the work leaving only step five:

5. Review and revise. The review should be first by the author(s) and then by trusted advisors - the more people that you can get to review your plan the more likely you are to find any problems before they are found by a reader.

Follow the preceding steps and you will have a business plan that will get read and, hopefully, funded. If you have questions about business plans, please feel free to contact me using the below e-mail link.

About the Author

Dave Miller is a business consultant and the creator of FundablePlans.com, an online business plan builder at http://www.fundableplans.com . He can be reached at dave@fundableplans.com .

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Are you fed up of augmenting Sarasota real estate market slanders springing up in your office? One of the hallmarks of a true real estate group is shared values of mutual honesty, confidence and consideration. Values and Sarasota real estate market hearsay cannot go hand in hand. An environment of rumors in an office can ruin the bonds between a group. The label group carries no meaning. We might possibly describe it a ‘group’. Indulging in Sarasota real estate market hearsay is an emotional cancer in the office.

The trouble of defaming is rather weird from other hassles. It expresses a lack of healthy assimilation of our logical, incarnate and spiritual self. A real estate office where Sarasota real estate market rumor flourishes can rarely be great. Gossip that hurts, upsets, disgraces or passes judgment on somebody is Sarasota real estate market hearsay.

You have to handle Sarasota real estate market rumor to protect the terrific real estate culture in your workplace. To this end it is important to find out not only the implication, but to realize the root cause. It is fundamental to commence by asking as to why people seek to gossip. This query ought to be sought by inquiring into the history of Sarasota real estate market hearsay in your workplace.

Defaming is not an ingrained problem, why then do some of us become Sarasota real estate market gossipers? Why do they have a desire, need or passion to involve in such a violent or toxic behavior like gossiping? We may connect it to our elementary psycho-social needs: the need for control, the need for acknowledgment and the need for safeguarding. One of the meanest and the most transparent ways to balance this need is through defaming.

Individuals try to augment themselves up by pulling someone down, by being perceptive, dishonest and critical about Sarasota real estate market, through the act of defaming.

They make an attempt to gain some sense of control, acknowledgment, approval or warding off evils by engaging in negative forums concerning Sarasota real estate market. The violence of slander in the real estate surroundings might now be explored.

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