Well I just kind of stumbled upon your site after reading Don Miller's blog, and your work is absolutely incredible. Good luck in beating him out in your little photography contest. Should be interesting...but anyway, back to the economy. I just graduated from college in May of '08 and got married in September. Unfortunately I am still without a job, but my wife (a nurse) and myself (a stay at home husband who does ebay) are making it work so far, though student loans are becoming a killer. I'm thinking about going back to school eventually, possibly to study photography, but we shall see what happens. I try to keep things in perspective when there are fathers and mothers out there who can no longer support their families. After being a poor college student for four years, being a slightly less poor guy in the real world isn't so bad. Well Happy New Year and if I run into you or Don at the inauguration (which is highly likely) I will certainly say hello. God Bless!
my great-grandma left all three of us great-grandkids a chunk of money when we were little. over the years it has been invested and grown quite a bit. i had about enough money to pay for a forth to a third of my college, and within weeks i lost almost all of it. i am the youngest, so my older brother and cousin got full advantage of all of that money and i got screwed. its hard to think about. they're debt is bad enough, i cant imagine what mine is going to be like now.
I'm fortunate in a way as I am half way through completing my degree at University here in the UK. Any free time I have I spend building my portfolio, client base and experience. Once I have graduated I plan on continuing my career in photography, but obviously I will be able to invest much more time and money in my business than I currently can.
I had considered leaving University at the end of this year and not completing my degree because I have started to have to turn away paying photography jobs simply because I haven't got the time due to studying. However, given the current financial climate I'm not sure it's the best time for somebody to be trying to get established as a photographer, especially if they are looking to make a living doing so.
In 18 months time when I've finished my degree I hope that things will have settled down and it will be a better time for me to grow my business.
Well.. is affecting me here in Brazil, cause I'm going to Uganda, and I need lots of american dolars for it.. before the crisis it was US$1 = R$1,60 (brazilian money), and now it's US$1 = R$ 2,40... My support raising is more difficult than the usual!! I have to raise looooooooots of more money to go!! =/
What I'm doing??? Praying a lot!! lol
Maybe because I'm still relatively new to self-employment, but working a day/second job has helped me stay afloat. It has also forced me to be more creative with marketing. Since money is so tight, I have had to find ways to market (for me wedding photography) that don't cost a lot of money (or none at all). It has actually been a good process though. Forcing me to be creative, which is a good thing :)
I raise support to work my job and the economy is hurting many of my supporters. That has affected the amount they give, how often they give, and if they even give at all.
Last July we had all our support pledged. Right now I only have half pledged with people dropping out.
So far, we haven't felt it. I'm in Louisiana, and we are one of the only places in the United States that is not suffering as badly. Supposedly there have been major findings of oil in our area recently.
Anyway, I do want to mention that I preparing myself mentally and physically in the case that everything goes belly up. Jesus is teaching me not to put my hope here on this earth. It's not "if" this world will fail you but "when".
In FL and just beginning to feel it for real. The realestate has been going down hill here for a while, but it's the ARM that is killing us. We actually have 2 ARMs and they just keep going up and up and up. We're barely keeping afloat, but we are afloat. God works miracles in our finances every single month. And you know, it's been a huge leap of faith to keep giving every time he tells me to. Just yesterday, he told me to tip the bagger at the grocery store, my last $100 bill. I hesitated, let me tell you, but I wrapped that sucker up in a one dollar bill and gave it to him. That's how my God rolls. He's crazy like that. This financial thing is a season. He provides.
I'm embarrassed to say, but I've probably thought about what I'm tipping waiters a little more closely, Where before I would just start at 20% and round up, now I've actually been thinking like, "well you don't tip on the tax. What would that make the tip."
January 10, 2009Paul Huynh said...
stop buying things just for novelty sake. haha finishing college loans and car payment this year will help a lot also.
January 10, 2009Lena said...
My company let go of some people end of the year, but thankfully I wasn't one of them. And business seems to have picked up, so hopefully that continues. I work in recycling--I know, who knew that was a profitable business? But, I'm still trying to give as much as I can and cut back on unnecessary things for myself. Sometimes I worry that I'm not saving as much as I could/should, but...then I wonder why worry about my future when there are people who have needs now?
Fortunately God has kept work coming my way regardless of this countries set backs. Although I feel extremely blessed and undeserving, I can't say that all my friends and family are having the same luck. My sister lost her job along with a few of my good friends. I also have some friends who wait tables, and they said their tips are noticeably lower than usual. The printer I have been going to for the past two years just went out of business and sold his shop.
Cale Glendening
January 13, 2009Jeff said...
2008 was a "bad" year overall for my company. Even though we are hanging in there (barely), 2009 actually looks better already. I'm praying for a big turn-around this year. OH please!! Glad to hear that some haven't seen the effects like we have in Kentucky. It's been brutal, but small business is where all the money is in Lexington, and obviously they have been really hit hard.
I shoot for a few local travel magazines in san diego, and they are really feeling this economic downturn. when the businesses that are the base for advertising in the magazine go under, the negative effects trickle up to the magazine, which then trickle back down to me as a photographer. On the bright side, slower times allow me to work on more personal projects and learn more about photography. Im relatively new in the photography business, so it definitely is a tough time to grow my business, but God has a plan for everything so I try not to worry too much.
January 30, 2009Rachel Kemper said...
My answer to this is pretty deep & involved when I say "Sorta". I just turned 24, I have zero debt (excluding the couple hundred dollars I put on my credit card each month for gas etc, gotta love that pay at the pump!!), I opened a Roth IRA last year and have contributed $2000...which is now $1000. Still, optimistic it will rise again! I'm not facing near retirement with worries of not being able to due to huge losses in funds I worked my entire life for. Can't imagine what this is doing to those people...praying for them! Where it does affect me is that I am trying to figure out where I need to be career-wise right now-and it's not easy under 'normal' conditions, but especially tough right now. I want to do some worship leading/travel/photography....all of which I am new at, so experience is what I am in need of to push myself off the wall and get in the mix. Not a whole lot of money involved in gaining experience doing things for free! RIght now I have a full time, stable job that doesn't pay HUGE bucks, but enough to pay the bills, live comfortably and save a tad each month. The flip side of this is that I'm exhausted every single day doing something I'm not crazy about, and then the things I am interested in pursuing are sllloooooowww going because of my lack of time/energy. If I didn't workout, eat or sleep...all would be fine! This may be an issue a lot of people my age deal with, but within the current economic standpoint and the future unknown, it's a bit unnerving. That's my "No it's not, but yes it is" answer!! Thanks for asking...
January 30, 2009Ashley said...
Hey Jeremy,
I've enjoyed your work for a while now, and your recent stuff hasn't let me down. It's always nice to stop by and see what you've been working on.
Anyway, about how the economy has effected me... I currently live in South Korea as an English teacher and, in fact, came here to get out of the debt I had accrued from my 5 1/2 years in school. The problem is, since coming here, the Korean won has dropped nearly 30%, thwarting any chance I had at making a dent in my school loans. The U.S. economy does indeed affect the rest of the world. So, I now have 5 months before I am scheduled to return home, and seeing few opportunities for work in my hometown, I am almost certain that I'll be working in South Korea for another year. There are certainly worse places to work and live, but there you go. I'm just hoping the exchange rate goes back down before I sign another contract!
P.S. Thanks for asking questions like this one. God be with you.
The economy hurts me as a new graduate. I can't even get employed in retail sales because they are cutting hours, and since companies are downsizing, it's harder to look for jobs.
Anyway, I have always loved your work. Keep up the amazing work.
How to Choose a Faxing Product
How to Decide Whether to Buy a Franchise
How to Communicate in a Business Crisis
How to Insure a Home-Based Business
1. Determine what additional insurance coverage you will need to insure your home-based business.
2. Check out insurance programs available through self-employment organisations or the local Chamber of Commerce.
3. Contact the insurance company that provides your home owner's or rental policy insurance to determine the riders and additions you need to insure your home-office property.
4. Investigate business interruption insurance, which reimburses you if you are suddenly unable to conduct your business.
5. Conduct a daily backup of computer data and transfer information to a safe place.
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Comments
Well I just kind of stumbled upon your site after reading Don Miller's blog, and your work is absolutely incredible. Good luck in beating him out in your little photography contest. Should be interesting...but anyway, back to the economy. I just graduated from college in May of '08 and got married in September. Unfortunately I am still without a job, but my wife (a nurse) and myself (a stay at home husband who does ebay) are making it work so far, though student loans are becoming a killer. I'm thinking about going back to school eventually, possibly to study photography, but we shall see what happens. I try to keep things in perspective when there are fathers and mothers out there who can no longer support their families. After being a poor college student for four years, being a slightly less poor guy in the real world isn't so bad. Well Happy New Year and if I run into you or Don at the inauguration (which is highly likely) I will certainly say hello. God Bless!
I'm ....
my great-grandma left all three of us great-grandkids a chunk of money when we were little. over the years it has been invested and grown quite a bit. i had about enough money to pay for a forth to a third of my college, and within weeks i lost almost all of it. i am the youngest, so my older brother and cousin got full advantage of all of that money and i got screwed. its hard to think about. they're debt is bad enough, i cant imagine what mine is going to be like now.
I'm fortunate in a way as I am half way through completing my degree at University here in the UK. Any free time I have I spend building my portfolio, client base and experience. Once I have graduated I plan on continuing my career in photography, but obviously I will be able to invest much more time and money in my business than I currently can.
I had considered leaving University at the end of this year and not completing my degree because I have started to have to turn away paying photography jobs simply because I haven't got the time due to studying. However, given the current financial climate I'm not sure it's the best time for somebody to be trying to get established as a photographer, especially if they are looking to make a living doing so.
In 18 months time when I've finished my degree I hope that things will have settled down and it will be a better time for me to grow my business.
Well.. is affecting me here in Brazil, cause I'm going to Uganda, and I need lots of american dolars for it.. before the crisis it was US$1 = R$1,60 (brazilian money), and now it's US$1 = R$ 2,40... My support raising is more difficult than the usual!! I have to raise looooooooots of more money to go!! =/
What I'm doing??? Praying a lot!! lol
Maybe because I'm still relatively new to self-employment, but working a day/second job has helped me stay afloat. It has also forced me to be more creative with marketing. Since money is so tight, I have had to find ways to market (for me wedding photography) that don't cost a lot of money (or none at all). It has actually been a good process though. Forcing me to be creative, which is a good thing :)
And praying...lots. :)
Economy in Louisiana is great. I haven't felt any effects of it...knock on wood. Hopefully it stays that way.
I raise support to work my job and the economy is hurting many of my supporters. That has affected the amount they give, how often they give, and if they even give at all.
Last July we had all our support pledged. Right now I only have half pledged with people dropping out.
So far, we haven't felt it. I'm in Louisiana, and we are one of the only places in the United States that is not suffering as badly. Supposedly there have been major findings of oil in our area recently.
Anyway, I do want to mention that I preparing myself mentally and physically in the case that everything goes belly up. Jesus is teaching me not to put my hope here on this earth. It's not "if" this world will fail you but "when".
Kelly Moore Clark,
In FL and just beginning to feel it for real. The realestate has been going down hill here for a while, but it's the ARM that is killing us. We actually have 2 ARMs and they just keep going up and up and up. We're barely keeping afloat, but we are afloat. God works miracles in our finances every single month. And you know, it's been a huge leap of faith to keep giving every time he tells me to. Just yesterday, he told me to tip the bagger at the grocery store, my last $100 bill. I hesitated, let me tell you, but I wrapped that sucker up in a one dollar bill and gave it to him. That's how my God rolls. He's crazy like that. This financial thing is a season. He provides.
I'm embarrassed to say, but I've probably thought about what I'm tipping waiters a little more closely, Where before I would just start at 20% and round up, now I've actually been thinking like, "well you don't tip on the tax. What would that make the tip."
stop buying things just for novelty sake. haha finishing college loans and car payment this year will help a lot also.
My company let go of some people end of the year, but thankfully I wasn't one of them. And business seems to have picked up, so hopefully that continues. I work in recycling--I know, who knew that was a profitable business? But, I'm still trying to give as much as I can and cut back on unnecessary things for myself. Sometimes I worry that I'm not saving as much as I could/should, but...then I wonder why worry about my future when there are people who have needs now?
Jeremy,
I put some perspective on my blog last week. It's my plan of action for the next year.
Im trying to be even more creative, and create pruducts that my clients havn´t seen before, and convince them that this is the product for them ;)
Other than that, stay positive. If I can make it through this period, I can make it through everything as a photographer :)
Jeremy,
Fortunately God has kept work coming my way regardless of this countries set backs. Although I feel extremely blessed and undeserving, I can't say that all my friends and family are having the same luck. My sister lost her job along with a few of my good friends. I also have some friends who wait tables, and they said their tips are noticeably lower than usual. The printer I have been going to for the past two years just went out of business and sold his shop.
Cale Glendening
2008 was a "bad" year overall for my company. Even though we are hanging in there (barely), 2009 actually looks better already. I'm praying for a big turn-around this year. OH please!! Glad to hear that some haven't seen the effects like we have in Kentucky. It's been brutal, but small business is where all the money is in Lexington, and obviously they have been really hit hard.
I shoot for a few local travel magazines in san diego, and they are really feeling this economic downturn. when the businesses that are the base for advertising in the magazine go under, the negative effects trickle up to the magazine, which then trickle back down to me as a photographer. On the bright side, slower times allow me to work on more personal projects and learn more about photography. Im relatively new in the photography business, so it definitely is a tough time to grow my business, but God has a plan for everything so I try not to worry too much.
My answer to this is pretty deep & involved when I say "Sorta". I just turned 24, I have zero debt (excluding the couple hundred dollars I put on my credit card each month for gas etc, gotta love that pay at the pump!!), I opened a Roth IRA last year and have contributed $2000...which is now $1000. Still, optimistic it will rise again! I'm not facing near retirement with worries of not being able to due to huge losses in funds I worked my entire life for. Can't imagine what this is doing to those people...praying for them! Where it does affect me is that I am trying to figure out where I need to be career-wise right now-and it's not easy under 'normal' conditions, but especially tough right now. I want to do some worship leading/travel/photography....all of which I am new at, so experience is what I am in need of to push myself off the wall and get in the mix. Not a whole lot of money involved in gaining experience doing things for free! RIght now I have a full time, stable job that doesn't pay HUGE bucks, but enough to pay the bills, live comfortably and save a tad each month. The flip side of this is that I'm exhausted every single day doing something I'm not crazy about, and then the things I am interested in pursuing are sllloooooowww going because of my lack of time/energy. If I didn't workout, eat or sleep...all would be fine! This may be an issue a lot of people my age deal with, but within the current economic standpoint and the future unknown, it's a bit unnerving. That's my "No it's not, but yes it is" answer!! Thanks for asking...
Hey Jeremy,
I've enjoyed your work for a while now, and your recent stuff hasn't let me down. It's always nice to stop by and see what you've been working on.
Anyway, about how the economy has effected me... I currently live in South Korea as an English teacher and, in fact, came here to get out of the debt I had accrued from my 5 1/2 years in school. The problem is, since coming here, the Korean won has dropped nearly 30%, thwarting any chance I had at making a dent in my school loans. The U.S. economy does indeed affect the rest of the world. So, I now have 5 months before I am scheduled to return home, and seeing few opportunities for work in my hometown, I am almost certain that I'll be working in South Korea for another year. There are certainly worse places to work and live, but there you go. I'm just hoping the exchange rate goes back down before I sign another contract!
P.S. Thanks for asking questions like this one. God be with you.
The economy hurts me as a new graduate. I can't even get employed in retail sales because they are cutting hours, and since companies are downsizing, it's harder to look for jobs.
Anyway, I have always loved your work. Keep up the amazing work.
Hi, cool site, good writing ;)
How to Choose a Faxing Product
How to Decide Whether to Buy a Franchise
How to Communicate in a Business Crisis
How to Insure a Home-Based Business
1. Determine what additional insurance coverage you will need to insure your home-based business.
2. Check out insurance programs available through self-employment organisations or the local Chamber of Commerce.
3. Contact the insurance company that provides your home owner's or rental policy insurance to determine the riders and additions you need to insure your home-office property.
4. Investigate business interruption insurance, which reimburses you if you are suddenly unable to conduct your business.
5. Conduct a daily backup of computer data and transfer information to a safe place.
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