Passion For Fashion

One of the most important choices a bride and groom will make is a photographer for their wedding.

There are so many important choices to make like the dress, decor, food, location, music, etc. But the choice of a photographer is one of the most important since your pictures will be one of the most lasting and cherished memories from one of life’s major milestones.

We’ve all heard horror stories about photographers delivering poor quality pictures, or not producing anything at all. By taking the time to do some research you can be assured of choosing someone who will not only provide outstanding photographs, but who can make you feel great and remove at least one worry from an event filled with stresses.

If any of your friends have been married in recent years . Why not ask them who shot their wedding and look at their wedding pictures to see how the photographer did. You’ll probably get some good references this way, so contact the photographers who did a great job for your friends.

It also pays to do some research yourself. Search Google or another search engine for local wedding photographers – here in the capital city of Alberta Canada, you would search for Edmonton Wedding Photographers. You can also do a search for something like Edmonton photography. Either way, you’ll get hundreds of results, so look at those shown on the first few pages. By visiting the websites shown, you’ll get a feel for each photographer’s style. Contact those who stand out. How they answer is a good indication of how professional they are. Are the replies professional and written clearly? Have they provided any other examples or references?

Next, set up interviews with those who seem like they’ll shoot the kind of pictures you want and who are in your budget. When you meet with the photographer, they’ll show you a portfolio of their work. How they treat you at this stage is a good example of what you can expect if you hire them. Are they friendly, or are they condescending? Do they seem warm, or are you uncomfortable working with them?

The photographer will have an agreement for you to sign. Take your time to read it, as it outlines what is expected of both parties. The agreement is for your benefit, too. While it commits you to pay them, it also commits the photographer to provide the services you have agreed to.

Here are a few additional ideas that should help your photographer get the best shots for you:

1. Create a list of the most important photos you want and give it to the photographer before the wedding.

2. Make sure you know WHO is going to photograph your wedding. If the main photographer isn’t going to be the actual photographer at your wedding, find out who will – and be sure to see their personal portfolio before you commit to hiring them.

3. Assign a family member or close friend to be the photographer’s liason who can point out all the important family members who you want to be sure to get pictures of.

4. Ask the photographer to come to the rehearsal so they will know where they can get the best shots without getting in the way.

5. Pre-plan where the formal and informal photographs will be shot.

6. Find out if the photographer provides finished prints, albums, thank-you cards and similar services after the wedding. A professional photographer can provide these additional services that will enhance your wedding day memories and many photographers have excellent resources for these items that are of higher quality than the public can get.

By following these suggestions you won’t have to worry about your photographer. You’ll be able to enjoy your wedding day knowing you’ll have many memorable photographs to enjoy for the rest of your life.

The author is a professional photographer who specializes in wedding and portrait photography in Edmonton, Alberta.

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Should You Use Your Home Equity To Pay Off Credit Card Debt?

If you owe a lot of money on your credit card, you may be thinking of using your home equity to pay off your loans. Is this a good idea? Sometimes yes. Sometimes No. Here are the 3 primary benefits of doing so:

1. Low rates of interest.

Your home equity account interest rate will probably be at least 4 or more percent less than your credit card interest rate. This lets you keep more of your money in your pocket.

2. Pay off your loan in a shorter time period.

Since you have a lower rate of interest,, you will be able to liquidate your debt a lot quicker. For instance, let’s say that the annual interest rate on your credit card is twenty percent and you own $5,000. If you manage to pay off the balance in 12 months, you’ll have paid $5,558 total. If, however, you transfer your debt to your 5% home equity loan, you can pay this debt off in just 11 months.

3. You wind up paying less money.

Taking the identical circumstances as above, with the 20% rate of interest, by year’s end you’ll have paid $5,558. but with the lower home equity rate, you’ll only pay $5,138, nearly 9% less. And the bigger the amount of your credit card debt, the more you benefit by transferring your balance.

That doesn’t mean that you should immediately transfer your credit card balances to your equity account. In some cases, this would be a disastrous idea. The important thing is to simply take stock of all the options you have when paying off a debt.

Visit David Hoyer’s website at bankruptcy credit report for more financial articles on topics as bankruptcy options, chapter 13 bankruptcy, and buying a car after bankruptcy.