Erotic Photography: An Art

When most hear the words “Erotic Photography” pictures of naked women with no morals exploiting themselves for money is what comes to mind. Erotic photography is much more than this. Erotic photography is an art form in that accentuates the beauty and eroticism of the body.Erotic photography is defined as photographing the nude body in a manner which is artistic and creative. Pornography is the degrading and trashy images of those without morals. Many photographers are spend many years perfecting the art of erotic photography. Some even have award winning erotic photography which features a nude subject. Erotic photography models endure vigorous training and education to master the creative nature of erotic photography and to learn the difference between erotic photography and pornography.Long before magazines like Playboy were ever printed erotic photography was popular. History is filled with erotic photography; some dating back to the 1800′s. Because of the controversy, in the 1900′s , those who were skilled in the art of erotic photography were chastised and therefore would take the photos anonymously. Today, the Internet has made it increasingly difficult to access the wealth of erotic photography since it is cluttered with pornographic images, however, there are some online resources that have creative and artist images that are excellent examples of professional erotic photography. If you search hard enough you will be able to find some very talented photographers and models who exemplify the very nature of erotic photography. These are the people who should be praised for their artistic abilities and talents.

Commercial Real Estate – Valuing The Cash Flow

Many investors don’t understand the power of commercial real estate. I too had reservations until I understood the power and safety commercial real estate can provide. Commercial real estate is similar to trucks. Trucks come in all sizes and all shapes – a Ford Ranger to an 18 wheeler. Commercial properties come in all sizes and shapes – a standalone building that houses a small restaurant to the Empire State Building. People read in the newspapers that commercial property prices are crashing. People notice the strip malls have a lot of vacancies and it scares them away. Let’s take a look at the power of commercial real estate and a quick note about market cycles. Commercial real estate is a business and is priced based on current cash flows. For simplicity sake, commercial property pricing is based on 10 x annual cash flow, not including debt service (loan). So a property that yields $10,000 in cash flow is worth $100,000. Regardless of the type of property, if you increase rents by 1% ($100) the value goes up a $1000. Decrease expenses by $100 and the value goes up $1000. So what? Let’s look at a simple apartment example.A small apartment complex (10 units) has an annual cash flow of $50,000 and is for sale for $500,000. It has a lot of long-term tenants paying below market rents. You put down 20% or $100,000 (there are ways to make it someone else’s money). We’ll assume it is a positive cash flow property even with the debt service (loan payments). First a storage area is made into a laundry facility that provides $5000 on annual basis. You just increased the value $50,000. Next rents are raised the first year to market rents. Raising rents $50 per unit increases cash flow $6000. You just increased the value $60,000. That means you have doubled your original $100,000 in the first year and you get to keep the $11,000 cash flow. There are many more ways to increase the cash flow including: separate utilities and have tenants pay utilities, decrease vacancy, work out a deal with dish network and get paid, reduce maintenance costs, and more. Just by raising the rent $10 a year increases cash flow $1200 a year and increases the value $12,000. In three to five years you’ll have cash flows of $70,000 to $100,000 (less debt service which remains constant) and you can sell the property for $700,000 to $1,000,000. Now you see the power of commercial real estate.Just like single family homes, not every property is a good deal. First you look for commercial properties in areas that have improving rents, increasing employment, and areas where the entire area is going through gentrification. Next you look for properties that have a value proposition – rents too low, poor management, ability to install laundry or some other measure to increase cash flow. You would be surprised how many buildings are poorly managed or have below market rents.I’ve used an apartment as the example; however this same model works for office buildings, mobile home parks, strip malls and more. All types of real estate (all types of investment) go through cycles. When the economy is booming for example, the vacancy in office buildings goes down significantly (prices go up). Of course the opposite is true during an economic downturn. During economic downturns more people move to apartments, mobile homes and need storage facilities. By observing these cycles one can move in and out of various positions to minimize risk and increase portfolio value.
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The Wonderful World of Online Shopping

Online shopping is a very easy way to purchase products or different types of services via the internet. There are online catalogs and online shopping malls that allow you to sit in the comfort of your own home and shop for any goods that you need.

Benefits Of Shopping Online

1. You can browse several categories and find different items without having to leave the house

2. You can compare prices at many different online shopping malls

3. You can order as many items as you want to and not worry about carrying them to the car because they are shipped to you

4. The internet is available and open twenty four hours a day so you can shop whenever and for however long you please

5. There is no worry of standing in long lines and being in large crowds

Most online shops that are based in your country will have low shipping fees, but these fees will always apply. There may also be options for the type of shipping that can get your items to you within a day, up to two weeks.

The majority of online shopping sites follow the same pattern and guidelines. They are simple and easy steps, and help create a pleasant online shopping experience.

1. Select the category that you want to browse

2. Either choose a specific item within that category or select to view all

3. Once you find the product you want, you can add the item to your shopping cart

4. At the end you will be able to check out and continue shopping

Once all of your chosen items are in the shopping cart, there will be a total at the bottom with the amount of the sales tax. You will be allowed to remove things from your shopping cart as well as add more. Payment is usually done by debit or credit card with your information secured.

It is always a great idea to check for coupons that may be available at the online shopping malls. Make sure you check for the different prices of shipping and compare them with other places.

Online shopping is most popular around the holidays. If you do not want to be one in a crowd of people waiting in long lines, this is the most brilliant form of shopping. You can almost guarantee that prices online will be cheaper than the prices in the actual stores.

A lot of time, products are more commonly available online and not in the store. If this is the case, the online shopping mall will let you know that your certain product is only available for purchase online. Also, this shopping option allows you to save gas and time as well as the whole physical aspect of shopping!

Online shopping is fun for all ages, especially families with infants or small children, or families with elderly that cannot move around. You can shop at your convenience from within the comfort of your own home.

Royalty Universe is your convenient online shopping site that offers all information and assistance needed in the shopping process. Customers are able to give a feedback and email questions to the customer service.