The Relationship Between Insurance and Finance

Insurance and finance are closely interwoven fields of business, not least because they both involve money. They also often both involve speculation and risk, and often where one goes, the other will follow. Take property investment for example, it involves a large amount of capital out lay, swiftly followed by insurance to protect the capital investment. It would be ridiculous to spend such a vast sum of money on a venture and not protect it against possible damage. It therefore makes sense to store information on these two subjects together, as the relationship is so logical.

Insurance is a form of risk management used to protect the insured against the risk of a loss. It is defined as the equitable transfer of the risk of a loss from one entity to another in exchange for a premium. There are different kinds of insurance for just about every conceivable event. The most common insurance is probably life insurance, which provides a monetary benefit to a decedent’s family or other designated beneficiary.

It can cover funeral or burial costs and can be paid out to the beneficiary in either a lump sum or as an annuity. Property insurance is one of the more necessary insurances as property is extremely expensive and if it is lost or damaged for some reason (fire, earthquake, flood) it can be very difficult to replace without adequate reimbursement. Travel insurance used to be seen as an unnecessary expense and is still viewed as such by many. Its importance is, however, being increasingly recognised by the public at large. It is cover taken by those who travel abroad and covers certain unforeseen events such as medical expenses, loss of personal belongings, travel delays etc. There are numerous other types of insurance, too many to mention, all vital if you want to protect something of particular importance to you or another.

In the world of finance there are many sub-categories, also too numerous to mention but a few will be included here. Forex, or the foreign exchange market wherever one currency is traded for another. It includes trading between banks, speculators, institutions, corporations, governments, and other financial markets. The average daily trade in the global forex is over US$ 3 trillion.

Tax consulting usually involves CPAs and tax lawyers in addressing any tax issues that you may have. There may also be Professional Strategic Tax Planners and Enrolled Agents, depending on the company that you hire. They will help you reduce your tax debt, eliminate tax penalties, an innocent spouse claim, tax liens, bank levies, and preparing unfilled tax returns, as well as any other tax resolution problem that you might have.

Property investment is usually when an investor buys property with an eye to generate profit and not to occupy it. It is an asset that has been purchased and held for future appreciation, income or portfolio purposes. In some instances an investment property does not have to be held for profit, as some landlords in New York lease office buildings to non-profit organisations for tax purposes. Homeowners consider their homes to be investments but they aren’t classified as investment properties. Perhaps if you’re buying your second or third home, it can be considered an investment property, especially if you plan to rent it out to help pay off the home loan.

Business networking is a marketing method, which is as old as business itself. It’s been around since ever since people learned to hold a glass of whiskey and schmooze. In fact, its probably been around a lot longer, Cro-Magnon man probably gathered around the newly discovered fire and showed each other their collection of animal teeth and traded them. Creating networks of crocodile teeth owners and sabre toothed tiger owners, who tried a take over bid against the sabre toothed leopard owners. Business networking is designed to create business opportunities through social networks. It helps if the people involved are of the same frame of mind.

These days a very handy way of business networking is via the Internet on the various social media available. But it must be said that very little can beat the intimacy and trust created by face-to-face relationships. Also, where would our businessmen be without their whiskeys and weekly schmooze?

Source by Sandy Cosser

Murder of Benevolent Media

The fourth estate of democracy in India, being the mirror of the society upholds the duty of public care. Media is looked upon not only as mere mediator of knowledge but as the only powerful weapon at the hands of a layman specially in a corrupted unsafe land. An afflicted individual judicially unheard seeks honest support from media, the only sector expected to have the most secular, credible and unbiased behavior. Ethical and socially responsible media has the strength of questioning any section of authority and portraying the hidden criminals fearlessly. But what happens when this media is suppressed to silence by the so-called eminent politicos?

There are immense instances in every country wherein enormous number of media personnel are either threatened or annihilated to death just for the simple reason of benevolence. A media person is subdued either under business and political authority or under his own gluttonous interests. Every media student dream of becoming an honest journalist but certain incidents all around the world shatter it in seconds.Nevertheless, if under rare circumstances, an individual attain success in portraying illegal yet concealed offences of authoritarian officials he is perished advertently. Irony is that Earth loses an honest soul at every single step of honesty and every school teaches “Honesty is the best policy”. When media is being relied for its altruistic services, why does it face challenges against its own survival? New media is being built for fearlessly publicising opinions of the voiceless but those opinions face heinous consequences. Specifically media people are killed simply for exercising their right to freedom of speech and expression.

An essential question arising is that Has Freedom of Speech and Expression, the sole component for any individual to survive, simply vanished? Everyone has the constitutional right (Article 19(a) of Indian Constitution) to Freedom of speech and expression which is violated in such cases. Murdering a person due to his social media activism specially when the posts are beneficial for the public, is a reprehensible crime punishable in the eyes of society as well as law.

For now a concluding statement can be derived that If media has the duty of digging out hidden truths in front of the public, no power structure has the right to suppress media or any such information unless it is considered false under law. Media is made for the people, is representative of the people and will leave no stone unturned in saving the public from irrational cruelties of political leaders.

Source by Alruba Sheikh

Why Is Budgeting Important for the Entrepreneur?

I’ve had many to inquire of why budgeting is so important for the entrepreneur? I’ve especially seen these inquiries from solopreneurs or small businesses of one or two people. Let me just say first that having a budget is one of the key components to a successful business no matter the size. How do you know where you’re going, if you don’t have a plan for getting there? How do you know how well your business is progressing or not, if you don’t have something to measure your performance against? Simply put, a budget is a financial plan and helps you to manage the future income and expenses of your business. It reflects the goals & objectives of your business combined with how you believe your resources will be used. However, it doesn’t stop there, a budget serves as the roadmap for your business. It aids in providing a compass for making important business decisions in a more efficient manner to ensure that your business is heading in the right direction. A budget also empowers you to think more about the future and anticipate what could possibly happen in your business, which in turn makes for effective management.

Here are other reasons why I believe budgeting is important to the success of any business:

1.) Provides insight into your business and sheds light on if your business is financially on the right path.

2.) Creates a performance measurement mechanism in which you are able to understand what your business is doing compared to what you thought or planned.

3.) A budget shows that you are a serious entrepreneur which makes your business attractive to potential investors and is a critical component in getting funding from a bank.

4.) Acts as a management tool for running your business on a daily basis.

5.) You are able to make adjustments early once you realize that your business may not be reaching its planned goals.

6.) Due to a budget being a forward thinking document, it serves as a planning tool for future growth.

7.) Produces discipline in that as an entrepreneur you are more aware of your expenditures and more careful to manage costs in order to ensure that you reach your established goals.

Source by Antonina Geer

Top 7 Similarities of Business and Politics

Politics and Business are so similar in many ways. Sure politics is much dirtier and generally played by less ethical individuals and yet the similarities are often uncanny. Perhaps a brief point-by-point comment on this subject will open a new perspective on this subject. Below are a few similarities to help the thinking juices flow and allow some conceptual thoughts.

1.) In politics you must canvas the area using data about the voters; in business you use demographic software to gather information about the customer.

2.) In politics you must get the voter to make a decision to vote for your candidate; in business you must get the consumer to choose your product or service over your competitor.

3.) In politics you must employ multiple methods to reach the voter; In business any good marketing program uses multiple media, mediums and methods to reach the consumer.

4.) In politics you must show how your candidate is better and different; In business you must show how your brand is best.

5.) In politics you must get those people to the polls to vote; in business you must get those customers in the door of your business to buy something.

6.) In politics you must win or you are forgotten; In business you must beat your competition and the customer must buy from you or you go out of business.

7.) In politics the customer decides with his or her vote; in business your voter buys your product or service with his or her dollar.

I hope this philosophical discussion allows you to see business from a different perspective and if you are in business and considering politics, forget it. Business is a much better game than politics and as a politician might say; You Can Trust Me on This in 2006.

Source by Lance Winslow

What Is The Difference Between Recreational and Commercial Fishing?

In the early era, fishing is done primarily for food consumption but nowadays, it is practiced not only for consumption but also for fun, research work, and industrial purposes. Technological advancements had made it easy to catch fish, however, there are still many people who prefer the traditional way of catching for the purpose of relaxation.

Modern day fishing is broadly categorized into recreational and commercial fishing.

Differentiating Recreational and Commercial

Recreational fishing is also known as sports fishing. This is usually done for fun and competition purposes. Using the basic method of catching, this type of fishing differs from commercial category in many ways. Fish catching in this category is usually done in lighter boats with rods, reels, hooks and baits. Lighter boats are used so as not to make disturbance for a successful catch.

Sometimes this is also done inland with the same equipment used, usually beside a lake.

What Is The Commercial or Industrial Fishing

Commercial fishing, if done on large scale, is also called an industrial fishing. This commercial type of fishing which uses equipment such as trawlers and factory ships aims to provide seafood supply for the market. Trawlers are used for commercial purposes while factory ships are used for industrial purposes.

Generally, the trawlers are equipped with nets, trawl and pot-traps. Factory ships on the other hand are large vessels with dynamic on-board facilities for immediate processing and freezing of caught seafood. These factory ships are capable of storing tons of seafood at a time. Unlike recreational fishing, commercial fishing is a serious revenue generating career for people. But it is considered as a very dangerous career line because of its high fatality rate.

The alarming rate of marine species extinction has also been attributed to this kind of industrial fishing.

What Is The Role of Government

Several non-profit organizations continuously file petition against recreational fishing as well as commercial fishing to protect other marine forms of life. Thus some government agencies were formed to monitor excessive catching of fish that can be dangerous for the existence of several marine species. Strict rules and regulations have been imposed to control catching of fish to a reasonable extent.

Like commercial fishing, recreational fishing is also subject to the intervention of the government. Government regulations make quotas, treaties and laws to control the catching of fishes otherwise the extinction of marine species will rise at an alarming rate.

Source by Nelson Paran

Free Military Background Check – Find Out If A Person Is Really In The Military

When it comes to hiring new employees, knowing that you hired the right person can be an ease to you mind and allow you to return back to normal daily work routines faster. One such way of putting your mind at ease is to have the applicant undergo a military background check. This will let you know if they in fact were in the military and if they were, where they honorably or dishonorably discharged. Not everyone is willing to be open about their military service record and in many cases people may even lie stating they were in the service when they never were. Help filter out those who are prone to lying by performing a military background check on every employee.

The military background check is just another tool at the disposal of business men and women across the country who wants to make hiring a new employee easier on the mind. Let’s face it, no one wants to hire a lazy and worthless employee, but this happens all the time. Prevent this from happening to you by making sure they are who they say they are and that their background record is clean and secure.

Regardless of what your company does, making sure that the applicant is the right candidate for the position is probably the most important part of the hiring process. You can ensure this is true and at the same time minimize your chances of hiring a liability to your company and your company’s name by making sure you perform the appropriate background checks on every applicant.

Sometimes your business may only require the standard background check while other times you may need to opt for a comprehensive or even a federal background check. It does not matter which one you need, all that matters is that you make sure that your applicant’s background records are clean and free of any questionable information which may come back to haunt you later. You can do this through a military background check and put your mind at ease knowing you hired the best candidate for the job.

Source by James Dean

5 Principles For Debt Management

Debt Management – 5 Principles to help you get your debt under control!

Introduction

It has been increasingly difficult to get credit these day, whether you’re looking for a car loan, credit card, or even a home loan. So managing your debt, and having a good credit score is very important. No longer are lenders handing out zero down and no interest loans. Credit card offers these days are reserved for those with good to excellent credit.

BusinessWeek says that total household debt in the US was more than 100% of our disposable annual income last year. The average person has more than $8000 in credit card debt.

The bottom line is that our personal debt is growing at an alarming rate. You can now charge your fast food meals at many restaurants, paying interest for years on something you consumed in one sitting. Many people have taken steps to address their debt problems, including consolidating debt to lower interest rate cards, or to home equity loans, or at worst case the dreaded “B” word, Bankruptcy.

5 Principles of Debt Management

1. Create an accurate assessment of your debt situation.
Make a list, chart or whatever you’re most comfortable with, of all your debts. Be sure and include the amounts, interest rates, and expiration dates (especially on any no-interest for ## days type loans). Be sure and note any old accounts that you’ve got “laying around”, such as that department store credit account that you opened to get the 15% discount.

You can now get a free credit report online. You should make sure that you’ve got a credit report and FICO score from each of the 3 national credit bureaus: Experian, Equifax, and TransUnion. The FTC advises monitoring your CREDIT REPORT activity ON ALL 3 BUREAUS. Under a new Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies. AnnualCreditReport.com allows you to request a free credit file disclosure (ie. Credit Report) once every 12 months from each of the nationwide consumer credit reporting companies. This free credit report won’t include your credit score, but it does give you a consolidated list of your debts, a record of requests for your credit history, and a summary of your rights under the Fair Credit Reporting Act.

Once you’ve gotten your free credit report, you also need to get your Credit Score. You can get your Credit Score, along with daily 3 bureau credit monitoring and other great services from FreeCreditScore.com.

2. Make a budget and stick to it!
Making a budget helps keep from increasing your debt, while you’re trying to pay it down. Be specific and detailed in your budgeting. Except for emergencies, you should only be spending what is accounted for in your budget. Some people have found it helpful to keep a 30 day log of their spending. Carry a little notebook, or some index cards with you, and write down everything you spend each day. You’ll probably be amazed at how much money you spend on things you want, and don’t really need. The smallest things, such as that $3 cup of coffee every day, can slowly eat away at your finances. This will help keep you from getting further in debt. Your budget should define how much money you’ll send to each of your creditors monthly and how much you need for bills, and how much is left for discretionary spending. Try limiting your discretionary spending to things you can buy with “pocket cash”. This may be hardest thing you’ve ever done, but you won’t get further in debt if you only spend what you have.

3. Pay off the debts one by one.
Maintain minimum payments to the rest of the debts, but pick the debt with the highest interest rate, and send extra payments to pay it off. There is a proven psychological benefit to being able to take a debt off of your list.

4. Consider debt consolidation or debt restructuring and possibly refinancing your home mortgage.
Lower your credit card debt by 70% by consolidating. With interest rates down, it also may be time to refinance your home mortgage loan and cut your monthly payment. You can get free mortgage loan quotes at LowCostLending. When you refinance, make sure closing costs and other fees don’t outweigh the savings in your monthly payment. Another option is to get a Home Equity Loan. Home equity loans are good because they allow you to deduct the interest on your income taxes. Remember though, new credit is not a license to incur new or more debts. Once you’ve transferred a balance by consolidating, or refinancing, don’t add more charges to the old account. If you’ve got a lot of open accounts, you may want to close some of them, but you shouldn’t necessarily always cancel the old account. Having a good payment history with a few existing accounts can be better for your credit record than many canceled and new accounts.

5. If necessary, get help.
You may choose a credit counseling service, or debt counseling and debt help service to help with each step of your debt solution. Credit counselors can add accountability to your debt solution, and also serve as a source of encouragement. They are used to dealing with people with bad credit or poor credit, and can help you create a custom debt solution. They can suggest money lenders that might be more willing to make a loan to someone with a lower credit rating. Once you start reducing your debts without incurring new ones, you’ll start to see your credit score rise.

By following these simple principles, you should be able to get your debt under control, reduce it, and eventfully eliminate it.

Source by Tom Sexton

The Advantages and Disadvantages of International Money Transfer Online Services

Advantages and disadvantages are attached to everything on the planet Earth. As far as money sending concerns; although the advancements in IT have made it possible to send money online in minutes, yet the dark side of the picture can not be overlooked along with appreciating the bright aspects. At first, let us take a view of the advantages of international money transfer online services:

  • The first and the most prominent benefit we get from these services is the rapidity. Gone are the days when people had to wait for weeks for transaction of money. At present, you can transfer money online from one place to another in minutes.
  • Various banks have featured power transfer, which enables you to track the money online whether you are a recipient or a sender of that money.
  • Lots of banks have featured remittance. With the help of this feature, you can receive money in your local currency and use right after you receive it.
  • Another benefit is that you can send money straightly to bank accounts via online banking now-a-days.
  • Online money transfer services have provided a platform to online business-groups where they can move fast and grow rapidly without wasting time in the formalities of sending money offline like waiting for the checks to clear.

Having walked through the advantages which online money transaction offers, now let us turn to the disadvantages it bears.

  • The weightiest disadvantage is the transfer fee taken by international money transfer online services. You must have to pay some fee to them, otherwise it is impossible to utilize the services.
  • Sometimes involvement of credit card and debit card in online money transfer leads to losses. In other words, you money is not hundred percent secure in process.
  • Some websites are used to keep money temporarily in case money is not sent directly to bank account. The user passwords for these websites can be hacked by hackers resulting in the loss of money.
  • When you send money online, you have to face the technical difficulties of the process.
  • You have to be patient because long queues are quiet usual in online money transaction.
  • The quick transaction in debit cards causes difficulties in recovering lost funds.

By and large, online money transfer services are neither from heaven nor from hell. In spite of all their advantages, lots of people rely more upon offline money transaction. And in spite of all their disadvantages, a huge percentage of the world population utilizes international money transfer online services on regular bases.

Source by Beenish Inaamulhaq Maya

Benefits of Payday Loans

Next time you are in dire need of some cash, and you want to get it quickly, you can consider payday loans. This type of loans is relatively new on the market.

So far, the traditional ways of procuring a loan were mainly through credit cards or by applying for personal loans. Certainly, these are well accepted and appreciated options for anyone, but they do come with their own limitations. When using credit cards, you are prompted to spend a lot more than perhaps you could afford. In fact, they were designed exactly for this purpose, as they allow you to pay a specified minimum amount, and thus extend the payment of your dues for a long time to come.

This design works to the benefits of the companies that issue credit cards, as they keep earning interest on the late payments made by you. Personal loans generally make a better option, but qualifying for such loans is quite cumbersome, needing a lot of time and a detailed check of your credit score before any answer is given.

This new product comes to the rescue of people who are unable to qualify for credit cards for whatever reasons, or who want to avoid the hassle of getting one. Though the reputation of payday loans is bad, they make a good substitute for traditional lending. They are highly popular with certain sections of our society. Here are the main benefits of payday loans:

  • The process of getting a payday loan is very easy, comfortable and fast. You may apply for a loan and expect the funds to be in your bank account in a matter of hours. No traditional bank can match that speed of sanctioning a loan. This is possible due to the online procedures for getting and disbursing the loans. The borrower simply needs to fill up an online application, giving some personal details, and then wait for the loan that will come through very soon.
  • Since these are short-term loans, you don’t need to face the problem for a long time. These loans are meant to help you overcome your financial problem for a short time. It is comforting to know that you won’t be under debt for long. However, most people tend to believe that you’ll land up in a big mess if and when failing to make your commitments; you should know that this is not true most of the time. The lenders offering payday loans do realize that there will be some defaulters, and they have accordingly designed their plans. Instead of taking any other action, they will just ban the client from utilizing the facility in the future.
  • Your chances of getting a loan from the businesses offering payday loans are certainly higher as compared to other financial institutions, like banks. The reason is that payday loans are available for small amounts of money, for shorter periods of time. Since the lenders realize that the associated risks are small, they can provide financial assistance to a larger number of consumers.
  • All the terms of the loan, including the fees and the interest to be charged by the lenders are clearly stated beforehand. So the borrower is well-informed on the amount he is liable to pay back. There are no hidden charges. This business is now highly monitored and controlled due to the bad publicity it has received in the past.

Perhaps, now you can better appreciate the reasons that prompt people to patronize payday loans. Their benefits include easy and quick availability, and if you realize how to best exploit these loans, you won’t be scared of utilizing them.

Source by Waheed Honey

UBC Vancouver Environmental Design Application: Architecture School Application Portfolios

I have been lucky enough to have been accepted into the University of British Columbia’s School of Architecture + Landscape Architecture Environmental Design Program. The Environmental Design Program, a third-year transfer program, offers a design intensive education that prepares its graduates for continuing on into a Master’s of Architecture, Landscape Architecture or Urban Planning. The program is relatively new to UBC’s School of Architecture but in its few years of existence has grown to hold a strong reputation for developing highly skilled students with strong work ethic, a broad scope of design-based knowledge, and an unprecedented ability to collaborate.

Like the hundreds of applicants each year, I was among those who read the pages of the program’s website until I nearly had it memorized. The online information discusses how this design school is proud of the diversity of the students it accepts and how the small class size fosters a strong sense of teamwork within the Environmental Design Community. In May of 2011 I was one of the 25 fortunate applicants to be accepted into this tight group of design-minded individuals. I started the school year with basic expectations; thinking that this year would be similar to my first two years of general university education. However, my expectations were soon blown away. I had no idea that architecture school would teach me skills that stretch so far beyond the immediate skills required to produce good design or that classmates could become a design family. For those who have not been through the Environmental Design program, the closest thing I can equate the experience to is A&E’s Project Runway. There were tears, throwing up, fits of laughter and risky design but in the end and through the process of working closely with extremely talented creative minds, good design was produced and a strong design team was formed.

If you are interested in also being accepted into UBC’s Environmental Design Program in Vancouver, British Columbia, then you need to know that the most important part of your application package is the portfolio. Here, I offer the knowledge gathered from my personal wins and losses with my ENDS application process. I hope that it may be helpful in your own work and I wish all potential applicants as this past year in ENDS was my most rewarding to date. The struggles were worth it and I would do it all again.

For Environmental Design hopefuls, the item that holds the most weight in determining your acceptance into the program is the portfolio of your design work. The best and only piece of advice I received regarding the application portfolio was to present as varied a body of creative works as possible. I submitted photos of my textile work, wood work, furniture, paintings, sculptures and charcoal drawings. After comparing portfolios with other classmates that had been accepted into the program, I realize that presenting a very diverse body of work was the way to go. If you are a great painter, excellent; submit your best two paintings you have ever done and then turn your creative focus to another medium. Some of the other members of my class submitted songs or plays they had written or documented an extraordinary hike that they completed. Stepping completely out of the box like this is great, and perfect for the ENDS community, however you need to know how you can relate these different experiences to design and you need to be able to explain it very briefly in a short description accompanying the piece you are submitting.

I’ll tell you right now, that one of the biggest lessons I learned this past semester is that everything, EVERYTHING, can be related to design in some way, shape or form. What makes a truly individual is being able to make the connection and explain it in such a way that the less creatively inclined can also understand the connection you are making.

Diversity of creative works are preferred, but beware of stretching yourself too thin in order to try something new. You do not want to sacrifice the quality or integrity of your work in any way. The application committee have their eyes trained to throw out portfolios that contain anything that is of poor quality and that was quickly done. Do not try to fool them, it just will not work. Take the time to produce the best work you can. I would highly recommend taking a few visual arts courses. They are extremely helpful in getting those creative juices flowing, especially for applicants who are predominantly interested in math and sciences. Please note that this does not make you any less qualified of an applicant as someone coming from a major in fine arts, it just means that you have different skills that will be useful to your ENDS community and that you have to be creative in coming up with a way to show the portfolio reviewers that math and science are extremely creative fields as well. Again, I’ve seen examples of this very thing in some of my fellow classmates who came directly out of majors in science and they are doing very well and have unique qualities to add to their own work and the work of the class. If you are in visual arts classes, the work produced in those classes are good candidates for pieces in your application portfolio, however, if you are submitting an art work that was a class assignment, make sure that it is your best work and that it is unique. School art projects typically tend to look like just that: school art projects. A few of these are fine as they demonstrate that your learned some useful skills, however the more art work you can submit that is 100% unique to you, the better.

The ENDS application requires there to be no less than 15 and no more than 18 pieces in your portfolio. I would shy away from submitting the maximum number. If you can keep it around 15-16 pieces, it shows that you can say more with less, that you know how to recognize good from bad work and that you are able to self-edit. The criteria for the format of the portfolio is let completely open to the applicant. The one and only criteria is on the size: 9x12x1/2.” This is another place to show your creativity. This of the assembly and presentation of the portfolio as an art piece in itself. How are the pieces arranged? It is a book? A web page? A slide show on a disk? A miniature horse wearing a sandwich board with your portfolio posted on it? I heard of one student years ago who applied to another local design school by buying a Boler camper unit, gutted it and turned it into a mini, mobile gallery of his art work. He drove it down to the school and was accepted on the spot. Be as creative with the assembly of the portfolio as you were with the pieces themselves. If there is one thing to remember here it is to be consistent with your design moves. Every move means something whether it is a colour choice, paper size or thickness, digital or hard copy, black and white or colour, scrap booked or formatted in inDesign. My advice is to make your choice, and then stick with it 100%. If you are going to scrap book your portfolio, do it all the way and do it extremely well.

If you are unsure of how to take the portfolio assembly process to the next level, then the next best thing you can do is to produce the most professional work possible. Get yourself a layout program, I suggest the trial version of Adobe inDesign, and assemble crisp, clean-looking pages. Spend the money to get your work scanned or photographed at the highest resolutions possible for sharp images. If you are submitting a hard copy, invest in getting your portfolio printed at a respected print shop and on quality paper. The cleanest way I have found to attach the portfolio pages together is to leave a 1/2 inch margin on the left side of each page, punch holes straight through the entire stack (no more than two or three) and then insert Chicago screws. This is called post-binding and the screws can be found at any major hardware store, Rona or Home Depot for example. It is a two-part mechanism, so be sure to get both parts. This is just one suggestion for one method, but it is up to you to create the portfolio that best matches your style and your personality.

I would like to clarify that the information that I have shared is not necessarily specific to the Environmental Design Program at UBC alone and that the information in this article can be applied to a portfolio application to any design school.

Source by Emily Warkentin