Credit – The Snapshot-Frozen Scan

Information in a bureau’s repository is always changing. This is due to the internal factors inherent in the database itself, such as items automatically dropping off after the data-retention period expires or closed accounts dropping after 10 years. (Credit bureaus are not required to keep positive information any longer than they do adverse, yet their common policy is to retain non adverse closed accounts for 10 years.) Database information can also change due to external factors, including the direct modification of the data by virtue of deleting or changing existing entries or adding new ones.

Since a credit report is a living record that is constantly in flux, bureaus need a way to go back and view the report the way it was at a specific point in time. Using this archival system of data retrieval, often referred to as a snapshot or “frozen scan,” assists them in discovering the source of errors and other problems and is particularly useful for rooting out identity theft or file merger mistakes. There are at least two types of snapshots.

The monthly snapshot is created every 30 days automatically. This data has actually proven extremely valuable in lawsuits against the bureaus, where it has served to demonstrate systematically how bureau mistakes and shoddy database management have negatively affected large groups of people. What I refer to as a general snapshot is generated any time an inquiry is made on your credit report-including one you make when you run a credit report on yourself, either directly from a bureau or through a third-party credit report provider. Should discrepancies arise, this enables the bureaus to go back in time and look at the exact report that existed at the time of the inquiry if necessary, in order to deal with any problems. However, when you pull a report for yourself through a third-party credit report provider, such as FICO, a snapshot is not taken.

This is a shame, since it’s the FICO score that matters most because it’s the one most lenders use. FICO is closely associated with the Big Three, providing the national bureaus’ reports directly to consumers and tying in its software scoring model to those reports in order to generate a FICO credit score. You also want a snapshot in the bureau’s database because it can be very useful when attempting to have changes made to your report. It will also prove helpful in any legal action that you may embark on later. For this and other reasons, always get your Big Three reports directly from FICO, but also obtain the individual reports directly from each of the Big Three at the same time. It may seem redundant, but the creation of a snapshot in the bureau’s database is important in light of common bureau errors and identity theft.

Panasonic Lumix DMC-ZS7 Best Price Tip – Plus 3 Simple Rules for Getting Great Snapshots!

Are you one of the many people trying to find a Panasonic Lumix DMC-ZS7 Best Price? Here is a tip on how to get this fantastic digital camera for a little bit cheaper, but first here are 3 simple rules for getting the best snapshots to share with family and friends for generations.

Taking Great Snapshots with the Lumix DMC-ZS7

It is easy to get great snapshots of those special moments in your life. You don’t need fancy expensive gear to get great pictures, all you need is a good ‘point and shoot’ camera.

We usually think of snapshots as pictures of people smiling into the camera on their summer vacation, and these are great fun to take and look at long after the vacation ends. But the ones I love to look at are the ones that capture a story and trigger bigger memories. Beyond snapshots, these photographs are like windows into the past and conjure up much more that what has actually been captured in the frame. They might show an facial expression that you can’t get in a posed photograph, but that sums up someone’s character, or perhaps an unusual situation that you can’t stage. Or maybe it’s something really ordinary like a loved one curled up in a chair reading a favorite book that really takes you back. So here are a few simple rules to help you get great pictures that you can enjoy for years to come:

  1. Spontaneity and The Decisive Moment
    A great picture catches that elusive moment that is there and gone again in a split second. This is easily illustrated in action photography: a dancer right at the top of their pose or football player at just that moment when they are catching the ball. The ‘decisive moment’ also can be much more subtle, for example, a telling sidelong glance, or a moment of surprise or uncertainty. Being able to act quickly is crucial to capturing the ‘decisive moment’ and this is where many of the cheaper digital cameras can let you down. Do you have to wait long for your camera to load up before use? Do you have to wait between shots because of excessive shutter delays? The Lumix DMC-ZS7 loads up fast and has no delay between shots so you won’t miss the ‘decisive moment’!
  2. Capture Your Subject in Time and Place
    When you capture what is around your central subject you add another dimension, and your photograph becomes a document for your subject in just that moment in their history. This is the photograph that tells a story and triggers memories for years to come. It is important to have a wide angle lens especially if you are taking pictures in smaller indoor spaces. The Lumix DMC-ZS7 has a 25mm lens which is wider than most ‘point and shoot’ cameras.
  3. Light and Composition
    A great photograph uses light and composition for emotional or aesthetic effect. Light creates mood and having a camera that is light sensitive and will do some of the thinking for you in low light situations is essential. Again beware of the cheap digital camera! If you like pictures with mood, it will be worth it for you to spending a few extra dollars for a camera that gets great results in low light. In camera reviews, the Lumix DMC-ZS7 rates top for light sensitivity. Composition, on the other hand, doesn’t require technology. It’s entirely up to you! Ask yourself:
    – What is the picture about and how can you use composition to tell it?
    – What do you choose to keep in the frame and what you chose to keep out? – What is the focal point? – Do you want depth and perspective?
    – Or does a flat feel work better for this photograph?
    – Do you want an intimate feel? Panasonic DMC’s 12X zoom is perfect for getting a close and intimate feel without actually being close to your subject. Fantastic quality even at full zoom.

Panasonic Lumix DMC reviews all rate it as the top ‘point and shoot’ camera on the market. It is easy to use and produces superb quality digital images even in the most difficult circumstances. It is a great digital camera for capturing those special moments.

Panasonic Lumix DMC ZS7 Best Price Buying Tip

There are some excellent Lumix DMC ZS7 camera deals online and one thing I’ve found is that some dealers will sell some colors cheaper than others and this can change from week to week! So if you don’t care if your camera is blue or red or silver or black, you can get a better deal by picking the cheaper color. Or you might just get lucky and your favorite color will be the cheaper one!

Turn Your Snapshot Into a Jackpot – How to Sell Vacation Photos on eBay

If you’re like most Americans, you probably have albums full of vacation photos from over the years stacked on shelves around your home. Scenes of the Grand Canyon, Trevi Fountain, or the Eiffel Tower bring back fond memories of fun times on the road or in the air. Perhaps you might even have a photo or two from a vacation blown up into a bigger size in a frame hanging on a wall in your home or office. But have you ever thought that these photos could turn into cash? Many restaurants, corporate offices, dentist or doctor offices, cafes, and even just a home or apartment feature scenic views of faraway places to soothe visitors. eBay is the perfect place to sell these photos since they can be acquired cheaply and even in larger quantities for one-stop-shop decorating. Knowing how to properly advertise your photos on eBay can attract these decorators and turn into a jackpot for you.

First, you want to choose photos that will sell. Obviously snapshots of cousin Eddie standing in front of a fiberglass dinosaur at the desert rest stop will not be of interest to most people. But good quality scenes of famous places or beautiful pictures of tranquil landscapes will appeal to many decorators. Scenes from national parks such as rivers, mountains, canyons, desert, or glaciers will appeal to many, as well as monuments that are familiar or interesting, such as architecture, statues, or fountains. Photos of a London phone booth, the Rialto Bridge in Venice, the Great Wall of China, elephants on an African plain, or a fish market in Tokyo will have wide appeal and, depending on the photo’s structure, will make a wonderful centerpiece for a room. You can choose from photographs you already have, or the next time you go on vacation, you can take a few extra snapshots to sell.

Next, the way you title your listing will have the most impact on your sale. Getting your photo viewed is more than half of the battle. Thinking of key words for your title, such as “Venice” as well as “Italy” will help those searching by either word and yield more hits for you. Some bidders may come to eBay looking for photos, but others may be impulse shoppers and drop by your listing out of curiosity. Luring these shoppers with key words, such as “China” or “elephant” may garner a bid, even if they were originally looking for a China doll or an elephant bracelet charm. With thousands of posters and prints for sale, setting your photo apart in your description is key. You should paint the picture of how your photo can be used. Don’t make the buyer have to do the work and think of how it can be displayed-display it for them. Such descriptions as “just the thing to welcome your guests in the lobby of your office,” or “golden hues of the sun setting on the Rialto Bridge will turn the walls of your cafe or living room into Venice for your guests.” It is critical to tell your bidders whether or not they will receive the photo framed (this will significantly affect your listing price), if the photo will arrive rolled in a tube or flat, the dimensions of the photo (you may want to offer bidders their choice within a range), and if the photo is color, black and white, gloss, or matte finish. You may also want to consider selling photos in a lot to attract those who are doing decorating for large spaces and multiple venues.

Finally, you must provide a photo of the landscape you offer for sale. Spend $50 on a cheap digital camera or lose the sale. Spend the extra 25 cents for the gallery listing and increase your visibility. You may want to offer a photo of your landscape as a whole, as well as a close up of the main area of the landscape so viewers can get a sense of the quality of your work.

Vacation photos sitting in photo albums have wonderful sentimental value for your family. But extending that value and putting money in your pocket is only an eBay away.