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Archives for March 2019

3 Simple Tips to Edit and Improve Photos for Blog Content

By Thomas on March 21, 2019

Adding photos to your blogs posts can make a world of difference. Not only can they help you to show your readers what you’re writing about, but they can help to break up the text and make it look much more palatable.

If you want the photos that you publish in your blog content to really have a big impact however they need to look good. That is where a few simple tips to edit and improve your photos can really help:

  • Crop the photos using the rule of thirds

By cropping your photo you can remove any parts that may be unwanted or that could distract viewers. Instead, you can make sure the focus is squarely on the subject and the other important elements that are in it.

One of the most useful techniques to use when cropping your photos is the rule of thirds. It requires you position the subject and other elements by aligning them along the gridlines and at the intersection points of a 3×3 grid. In doing the composition of your photo will be more balanced.

Keep in mind the dimensions that you want to display the photo in when you crop it as well – and make sure you don’t crop too much that it affects its quality.

  • Straighten photos that are tilted

Unless for a specific reason, you should always straighten photos that are tilted. It will make them look more balanced and stable, whereas tilted photos will look a bit off.

The easiest way to straighten photos is to use the horizon or some other strong horizontal line as a visual guide – and rotate it accordingly. It is best to straighten the photo before you crop it, as you’ll need to crop it later to even out the edges anyway.

  • Make the colors pop and look more vivid

People tend to be drawn to vivid colors that seem to pop in photos. To make the colors in your photos more vivid you need only increase the saturation.

To be honest it is best to first fix any issues with the exposure, white balance, and color balance before adjusting the saturation. On top of that you should take care not to increase it too much, as that will not look appealing either.

It can take a bit of trial and error to get the colors just right, and you should periodically compare your edited photo against the original to see the changes more clearly.

Learning how to edit pictures can be tricky, but the methods listed above are easy enough. If you use them as a starting point, you should be able to improve the photos that you publish on your blog significantly.

After that you can look into other ways to edit and improve them further if you want to. Make no mistake there are lots of options that are open to you – if you’re willing to invest the time to try them out.

Jacques Poujade on: Understanding Debt. Which Debts Are Good and Which Are Bad?

By Thomas on March 5, 2019

Jacques Poujade is the Managing Partner at LendPlus, one of the major alternative lenders in the mortgage industry specializing in helping customers who are looking to buy their dream homes. With three decades in finance, real estate, and marketing, Poujade uses his skills, experiences, and knowledge to craft focused and strategic financial solutions for his clients.

Poujade earned his Bachelor’s degree in Commerce from Concordia University before moving on to complete his Masters at McGill University in Montreal, Canada. After graduation Poujade quickly rose up the ranks in the corporate world of finance and eventually landed into the role of Managing Partner at LendPlus. When Poujade is not working, he gives back to his community through Micah’s Way charity.

Recently, he sat down and shared with us information about good and bad debts and how debts can affect your chances for favorable mortgage rates.

What is Considered Good Debt?

Good debts are usually debts from expenses that are expected to bring in income or increase your net worth. These could be anything from loans for a college education, loans to finance your own business, or loans to buy a house or any other type of real estate as an investment. Student loans are a good example because unlike other types of debts, most student loan packages come with low-interest rates. Student loans are also taken out to pay for a college education which increases your opportunities for employment and promotion later in life.

What is Considered Bad Debt?

Start the next decade on a clean slate and pay off these debts in 2019! 2️⃣0️⃣1️⃣9️⃣ #financetips #debtfree #NewYearsResolutions https://t.co/fAvu9BfI3p pic.twitter.com/Y8UHOJS3ga

— Jacques Poujade (@PoujadeJacques) December 31, 2018


Bad debts are debts that are not expected to bring in any additional income anytime soon. These debts are often total liabilities such as spending on brand new cars, clothes, and other consumables. These items tend to depreciate quickly and often are worth lower than the borrowed amount by the time the debt is paid in full. Credit card debt is one of the worst examples of bad debts because this can come bundled with high interest rates.

Debt and Mortgage Consideration

Outstanding debts whether good or bad can affect your credit score and how high or low your mortgage rates are. This is the reason why you should be paying your debts off on time whether these are good or bad debts.

Lenders usually calculate your monthly debt to determine if you are qualified for a mortgage. This is done by reviewing your income and existing debts and comparing these to your house payments to see if you can pay on time. If you pay off your debts on a regular basis and you have a reliable, long-term regular source of income, you are more likely to have a favorable debt-to-income ratio–a figure that tells the lender how well you can manage debt and mortgage payments with the income you have.

If you can, pay off all your debts before taking on a new mortgage. Outstanding balances on your credit cards, for example, can leave you saddled with high interest rates that will get harder and harder to pay off once you take on a new mortgage. If not, make sure that payments are made on time. This is the only way to keep your debt payments manageable and ensure that your debt-to-income ratios are within range. These can help make you an ideal candidate for low rates when it’s time to apply for a new mortgage.

Connect with Jacques through social media at:

Facebook: https://www.facebook.com/JacquesPoujade

Twitter: https://twitter.com/PoujadeJacques

Website: https://www.jacquespoujade.com

 

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I’m Thomas Stevens, a financial advisor who has a love for SEO. Anything numbers related excited me, so I started blogging about finances and budgeting. I also help others blog about finance – it’s always good to have a niche! Read More…

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I’m Thomas Stevens, a financial advisor who has a love for SEO.

Anything numbers related excited me, so I started blogging about finances and budgeting. I also help others blog about finance – it’s always good to have a niche!

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