The finance charge for your credit cards is usually determined by the amount of your outstanding balance on your card account and the current APR (Annual Percentage Rate) you are being charged. Card issuers tend to use one of three ways to determine your charges. The outcome of theses various formulas is not the same; so it pays to know the differences literally. is the dollar amount you pay to use credit. The amount depends in part on your outstanding balance and the APR.Credit card companies use one of several methods to calculate the outstanding balance. The method can make a big difference in the finance charge you’ll pay. Your outstanding balance may be calculated using the adjusted balance, previous balance (sometimes referred to as two-cycle), or the average daily balance as the reference point. Check your card agreements terms if new purchases and/or cash advances are also included or excluded as this varies from provider to provider.The average daily balance is the most common calculation method for interest and or finance charge rates. Everyday in the billing period, your balance is updated with any credits or refunds. With some credit card issuers, any new purchases are also added. When the end of the billing cycle comes around, daily balances are added and divided by the number of days in the billing cycle to arrive at the “average daily balance.”The adjusted balance method is the most beneficial method for cardholders. Credits received during the current billing cycle are deducted from the balance at the end of the previous billing cycle. Purchases and/or cash advances made during the billing cycle are not reflected in the total. Basically, if you pay your bill before the end of the billing cycle you don’t get stuck with finance charges.With the previous or two-cycle balance method, the average daily balance is figured from two billing cycles rather than a single one. As a consequence, this increases the finance charges one must pay normally. There usually is no grace period included with this method and if the bill is not paid in full the interest may be made retroactive back to the original purchase date.It is also important to note that many credit cards also carry a minimum finance charge. Regardless if your calculated finance charge is lower, you will still be required to pay this charge. However, if no purchases or cash advances have been made during the duration of the billing cycle, generally you will not be assessed and charges. Nevertheless it is generally wiser to check the particular card in question’s terms of service and fee schedule.

We see them all over the place; in television advertisements, in magazines, and on the runway. They are the beautiful men and women who strut their stuff while showing off the latest styles from the hottest fashion designers. These are the fashion models of today and tomorrow, and the subject of high fashion photography. It is through photography that these models and fashionable clothing are brought to the public. Therefore, these photographs must be taken with a certain level of precision and a special attention to color, style, and lighting composition. Learning a few key fashion photography tips will help to make this possible.High fashion photographers such as Mario Testino and Eva Mueller may not be as famous as the models they shoot, but they are actually sought out more than their model counterparts by fashion magazines and designers. While the dream of huge paychecks and hobnobbing with the rich and famous might appeal to the aspiring fashion photographer, it is not easy to become successful in fashion and model photography. For every one talented young photographer who makes it big, there are hundreds are left dreaming about the moment their photo will be chosen.Here are a few fashion photography tips for anyone interested in getting started in the field of fashion photography. The first thing you must do is study your subject. As with any field, you can never learn enough. Read as many fashion magazines you can possibly get your hands on. There are a number of fantastic books on the subjects of fashion and model photography available. They can be purchased cheaply online at sites like Amazon.com or even cheaper if you get them used on eBay. You will also need a good camera, a tripod, and a lighting system. One of the more often overlooked fashion photography tips, is to ensure that you always have plenty of film and extra batteries available.One of the most important fashion photography tips to focus on is having a portfolio. You need to start assembling a portfolio of your work and you need to keep this portfolio handy at all times. You never know when you will have the opportunity to show your work off to someone in the fashion world. Sharp, vibrant images on a 4 x 5″ transparency will best show off your work, so focus on them when putting your fashion photography portfolio together. If any of your work has already been published regardless of whether it was a local magazine, newspaper or contest, add a tear sheet (literally a sheet you torn out of the magazine) is a great addition to a portfolio. You should have a minimum of 20 photographs in your portfolio and showcasing different styles.In this day of the internet, it is wise to display your fashion photography talent online as well. Setup a simple website displaying your work and submit your digital photos to online contests. Also, submit them to online fashion gallery websites. This will help tremendously with getting your work seen and showcasing your talent around the world. Probably the most important of all the fashion photography tips is to get your photographs seen by as many people as possible. There is no better way of doing this than by putting them online.Remember that most fashion magazine editors are looking for your personality in the photographs that you take. Each fashion photographer will captures the essence of a fashion design and model differently. Most importantly, if this is your dream, do not give up, ever! Keep learning the latest high fashion photography tips and keep working to get your photographs on the cover of my next hot fashion magazine.