Problem: Write an article based on this summary: Set the book against a solid-color background. Avoid putting props in the photo. Set up your camera on a tripod, if possible. Use natural lighting when you photograph. Set up the photograph size, if you're using a digital camera or cell phone. Adjust the shutter speed. Set the camera's aperture. Photograph the exterior of the book. Take pictures of the copyright and title pages. Avoid adding borders, text, artwork, and logos.

Answer: Keep the focus on the book by placing it on a solid-color background. You can lay it on a solid-color counter, table, or piece of cloth. Consider choosing a background color that contrasts with the color of the book. For example, put a white book on a solid black cloth backdrop to make it really stand out. Don't place any other items in the shot or the buyer may be confused about what you're selling. Make the book the singular focus of the photograph. While you can hold a film or digital camera and photograph a book, you'll get steadier results if you mount the camera on a sturdy tripod. A tripod is also useful for when you need to hold the book open to photograph. You can use a film or digital camera to photograph books. Use whichever you're most comfortable with. Since many books have glossy covers, a camera flash can create glare. Turn off the camera's flash to avoid using artificial lighting. Instead, use the indirect natural light that's available to you. Try to photograph in a well-lit area so the colors of the book are visible. You'll need to plan on photographing during the day in a room that has good lighting. If you're selling the book on a website, check the site's photo size requirements. Adjust your camera or phone settings to select the pixel and image size for the photo. Try to shoot in the highest quality without making an image file that's too large. For example, if you're selling on eBay, the book photo needs to be at least 500 pixels on the longest side. If you're using a tripod, you won't have to worry about adjusting the shutter speed too much. But if you're holding the camera, the shutter speed needs to be higher than 1/50 of a second. If the shutter speed is lower than this, your photo may come out blurry. You'll need to play around and take lots of photos to find the best aperture for each book you photograph. Start around f/16 to get medium depth-of-field and detail. If you find that the title on the book isn't detailed enough, move to higher f-stop. Take a picture of the cover of the book so the entire book is in the shot. Avoid zooming in to just capture the title. Flip the book over and photograph the back. Then, turn the book on its side so the spine is facing up. Take a picture of the spine. If the book has a dust jacket, you should also take it off and photograph the book without it. Open the book to one of the earliest pages that has the copyright information. Hold this open and take a picture of the whole page. Flip the title page and photograph this as well. Try to keep your fingers out of the shot. If you're worried you may damage the spine if you press it open, have someone hold the book open a little while you photograph the copyright or title page. Don't add distracting images or text to the photo since these will remove the focus from the book. Many online booksellers won't allow seller logos or borders on the photos. You may be asked to include the title and description of the book in a separate form.

Problem: Write an article based on this summary: Borrow from friends or family Ask about seller financing. Pay with cash. Consider a rent-to-own option as a last resort.

Answer:
. One way to get a loan without waiting the two or four years a financial institution would require is to ask friends or family if they will help you. You are not eligible for a mortgage, so the person would have to buy the house and then you would pay them the mortgage payments. After two years, or when you become eligible, you may be able to take over the mortgage. This is not a decision which should be taken lightly. Only ask if you are completely certain that you have a steady ongoing income, and will be able to meet the costs. Consider the fact that if you fail to pay off the loan, your friend or family member will be liable for your payments. This could affect their credit or damage their financial stability. If you do progress with this you will need to document everything and have clear written agreements on the rates and payment schedule. You may need to complete the promissory note and mortgage agreement to ensure the deal is legal and all parties are protected. Seek legal advice to ensure you won't run into trouble, which could ruin your relationship. Seller financing is where the buyer owns the house and the seller provides them financing. Instead of getting a mortgage from a financial institution, the seller lends the buyer money to purchase the house. Of course, the seller is subsequently repaid by the buyer with regular mortgage payments. However, many seller financed mortgages are short-term and have a balloon payment due at the end. This means that the buyer should find a way to refinance before the term is up. Seller-financed mortgages are often a good way to get a loan when traditional loans are unavailable to you. However, the risk taken by the seller in lending to you means that interest rates charged on these loans are typically high. Refinancing within the loan term is essential. If you can't secure another mortgage within this time, you will be stuck with a very large balloon payment and no way to pay it off. One way to buy a house after bankruptcy without waiting until you are able to get a mortgage, is to buy a house without getting a mortgage at all. If you have the cash to purchase an inexpensive house outright, then you can do this. This is not particularly likely, but if you find an opportunity and have the money, you can do it. Avoid the temptation to take loans, even small ones, from subprime and payday lenders to support a purchase. They may be more willing to lend to you despite your credit rating, but it is a big risk. Opt for a more patient approach to rebuild your credit and secure your financial future. Seek assistance from a professional to understand the legal implications of making a cash purchase, including possible declarations to the IRS. Several websites provide listings of rent-to-own homes in every area. Pay a deposit on a house you want to buy, which is still owned by someone else, and agree to an overall purchase price. Pay the owner rent every month, and all or some of that rent money can be used towards a down payment on the house you are living in. Consider seeking legal assistance to get an agreement that will protect your interests. Build your credit, and when you are able to get a mortgage, the owner of the house can sell it to you at the price you initially agreed to. The owner can use your rent as a down payment. Keep in mind that these types of transactions can be extremely risky. If the seller still has a mortgage, they could end up getting foreclosed on. In this case, you may have to move out without recovering any of the money you put into the home.