business practices

Canada’s Anti-Spam Law

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Canada’s Anti-Spam Law was introduced back in 2014 and it came with a three-year phase-in period. How times flies. That three-year period ends in a few days on July 1, 2017.

Do you use email, SMS, social media or instant messaging to send commercial or promotional information about your organization to reach customers, prospects and other important audiences?

– Canada’s Anti-Spam Law

Up until now, a business could continue sending commercial electronic messages to potential and current customers as it was assumed that you may have had implied consent. But starting July 1, you need express consent.

If you market your photography business through e-mail, text messages or social media, pay attention.

 

Give Yourself a Hand

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On January 1, 2019, Ontario’s minimum wage will rise 31.6% from today’s $11.40/hour. How much of a raise are you going to give yourself on January 1?

The average full-time, hourly-paid, Canadian employee makes $58,136/year, assuming a 40-hour week.

If you consider yourself average, then you should be earning the same $58,000 PLUS enough to cover all your overhead expenses. For example, if your annual overhead is $25,000, then you need to earn about $83,000 per year. Job expenses are not included in that sum.

Using the same example as above, if you do 100 jobs per year, then your average invoice should be at least $830 plus expenses. If you do 50 jobs per year, then your average invoice should be at least $1,660 plus job expenses. I said “at least” because (a) your fee should be based on the value of your work and not on time or a flat rate, and (b) employees get paid benefits and you don’t.
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Splitting a Photographer

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Splitting Time

Sometimes a photographer might be asked to split up a work day into non-consecutive hours. This can happen with weddings, business conferences and other full-day events where the customer wants the photographer to cover only certain parts of the event. The customer usually expects the photographer not to charge for any downtime.

For example:

• A bride might want the photographer to cover her afternoon wedding ceremony from 1:00pm to 2:30pm and the evening dinner from 6:00pm to 10:00pm. The photographer would then have a 3-1/2 hour split in their day.

• A business conference organizer might want the photographer to cover the opening speeches from 9:00am to 10:30am, a keynote presentation from 1:00pm to 2:00pm and an evening reception from 6:00pm to 8:00pm. In this case, the photographer has two blocks of downtime.

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Pre-invoices and Prepayments

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If you need a deposit or a prepayment before the photography takes place, you simply ask the customer for it. Easy, right?

With retail customers, this is a straightforward process. But with some corporate customers, it might require slightly more paperwork.

Some companies can’t, or won’t, issue a prepayment based only on a photographer’s estimate or quote. They may need an invoice. An invoice is a legal request for payment, a quote is not.

How do you invoice a customer for work that hasn’t been done?
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The Wronged Customer

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“The customer is always right” is a well-known saying. But contrary to popular belief, it’s neither a law nor regulation of any kind.

That phrase seems to have gotten its start at least 112 years ago as part of a customer service policy of Marshall Field & Company, a Chicago department store.

A 1905 US newspaper published an article about Marshall Field & Company in which it seemingly quoted what Marshall Field taught his employees, namely that the customer is always right.

A year later in 1906, Harry Selfridge, a department store executive who worked for Marshall Field, moved to London where he soon opened his Selfridges & Company department store. He, too, used the phrase “the customer is always right.”

Over the years, it seems a number of other businesses at one time or another adopted a similar policy.
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To Your Credit

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If you accept mobile, point-of-sale credit card payments by using something like Square, there are a couple things you need to know:

• As you’ve probably heard, Apple has removed the 3.5mm headphone jack from its new devices. Lenovo has also started doing this and it appears Samsung may do the same. The problem caused by removing the headphone jack is that credit card readers, and many other devices, use the headphone jack.

Sidenote / rant:   The reasons why Apple removed the headphone jack aren’t exactly what Apple tried to spin by saying it was an act of “courage.” The move to the proprietary Lightning connector and the concurrent move to USB-C ports (which can accept proprietary restrictions) greatly increase Apple’s control of third-party devices that can connect with Apple products.

This move is expected to generate a lot of money for Apple since third-party manufacturers will have to pay for licensing, pay for Apple’s proprietary MFi chip and other components, and pay a royalty on each and every device they manufacture. By contrast, USB and 3.5mm audio connectors are royalty-free, OS-independent, device-independent and they fall outside of Apple’s control.

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License professional photographers?

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In the absence of any regulation, anybody can sound like they are eminently qualified to do the job, and they very often aren’t.

– Graham Clarke

For the past three years, the Ontario government has been working toward licensing and regulating home inspectors. Bill 165, Licensed Home Inspectors Act, was introduced earlier this year.

The provincial government announced yesterday that it expects the law to pass and go into effect this fall.

Until this regulation comes in, anybody that can pick up a clipboard can become a home inspector.

– Len Inkster

The proposed law intends to ensure that home inspectors are qualified, insured, use proper contracts and deliver at least certain standard results.
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