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The top of the line online Accounting services for Freelancers Put Your Books in the Cloud there isn’t any shortage of cloud-based accounting capabilities that are appealing to very small companies. The on-line capabilities we evaluate right here stand able to meet the needs of a huge swath of the team of workers—the very smallest of organizations. Three of the functions could be used by means of businesses using 10 or greater americans, however lots of the items are aimed squarely at freelancers, unbiased contractors, and sole vendors. there’s an enormous marketplace for these on-line solutions, because of the starting to be number of people who are either moonlighting to supplement a full-time job or have decided to position all their efforts into self-employment. consider Uber and Lyft drivers, Etsy and eBay dealers, or entrepreneurs who’ve created a product or service and want to construct a small company round it. These company frequently have one component in average: the deserve to hold a very tight hold close on the dollars flowing into—and, unluckily out of—their corporations. All of them need some kind of cash monitoring, although some will need double-entry reserving and others may not. These services offer excess of tracking the final analysis. past the steadiness Sheet The needs of freelancers, contractors, and sole vendors differ as extensively as the types of businesses they symbolize. Some want an easy strategy to song profits and fees. Others need the ability to send invoices and get hold of and listing payments. Some need an integrated payroll site others are one-grownup shops. agencies that promote services may desire a committed time-tracking tool. And what about taxes? inventory? experiences? What follows are probably the most factors you could are looking to trust as you opt for an accounting service for your self or your business. on-line Connections to Your monetary institutions when you are already logging into your banks, credit card businesses, and so on online, you handiest ought to enter those equal consumer names and passwords within your accounting software. As transactions seem in your online bills, you could down load them to your accounting carrier and music your earnings, costs, and balances in near precise time, all from one effortless dashboard. Having this special photo of your finished financial picture affords small companies the nimbleness so critical to their survival. make certain that something banks and different institutions you should hook up with are serviced with the aid of any skills accounting web site. Invoicing lots of the functions I’ve reviewed here help you create invoices—occasionally routine ones, even—and estimates, and ship them to customers on-line. Some may even present to generate and send invoices by the use of U.S. Mail. that you could every so often additionally see when a customer has seen an bill, instantly ship them reminders, and assess late expenses. if you do loads of invoicing, test any knowledge services’ invoicing interface radically before you commit to one. merchant debts one of the crucial most useful methods to enrich your cash stream is to settle for debit and credit score playing cards, so that valued clientele can pay directly and effectively—though additional processing costs apply. The extra easy you are making fee, the greater doubtless it’s you will get it on time. Most functions mean you can make a choice from amongst dissimilar price gateways. cell entry These cloud-based mostly accounting functions have complementary cell websites, so that you can accept funds in your smartphone or pill while you are faraway from your workplace computer, and do different enterprise-related initiatives. other than much less Accounting, all the features during this roundup present some form of cellular access. a couple of of them present a couple of cell app, and a few offer some exciting bonus elements—see the Mileage monitoring area below for one example. Time monitoring if you invoice for time, a lot of that work may additionally happen out of the office. as an alternative of scribbling notes or effectively making an attempt to bear in mind, which you could create time entries to your smartphone anywhere you’re. There are different features and apps that can aid you maintain music of this, but if which you could combine into your account utility, it’s one less app or carrier to maintain—and pay for. Mileage tracking here is one other enviornment the place you don’t need to wager—and lose a reimbursable expense. when you are more likely to travel for work, this is a effortless function to have. if you’re all concerning the miles and do not need a heavyweight accounting carrier, remember to truly take a look at QuickBooks Self-Employed’s mobile app, so that you can automatically log your miles as you force! Quarterly Estimated salary Taxes this is one of the crucial tricky initiatives for sole vendors and unbiased contractors. Some of those sites as a minimum create a schedule C worksheet, and some go past, offering a cautioned quarterly payment according to the income and prices you’ve entered. keeping tune of this as you go makes paying your taxes so much less painful. E-Commerce Integration GoDaddy Bookkeeping is the most effective website among these I’ve reviewed for sole owners to supply a bridge to PayPal, Etsy, Amazon, and eBay, which capability that you could instantly import revenue information from these sites. in case your business facilities round this sort of e-commerce, GoDaddy may well be worth your whereas for this on my own. reviews as a result of these functions have restricted aspects, you won’t see as many reviews and customization alternatives as you get in additional full-featured accounting options, but all of them at the least present diverse views of your records, and a few of the services have a number of preformatted document templates. security Like their larger-end counterparts, these freelancer and contractor centered capabilities all use bank-grade security. Even the smallest of agencies should hold themselves and their customers protected. What if your business is too massive? in a position as they’re at meeting the needs of freelancers and other small groups, these applications may no longer fit you in case your company is bigger or greater complicated. There are a lot of sites, though, that can accommodate you, like QuickBooks online and Xero; i could be reviewing a number of of those on-line accounting capabilities quickly. They encompass superior aspects like assist for diverse currencies, document management, customer and vendor portals, purchase orders, stock tracking, greater customization alternatives, and greater subtle reporting. The Lineup I reviewed FreshBooks ($15 to 50 per month) now not long after it launched a company-new edition of its service. Its new user interface and navigation tools make for an excellent consumer journey—more suitable, I consider, than that of the competition. it would be a sensible choice for somebody who does not need double-entry accounting and whose enterprise is essentially time-and repair-oriented, notably freelancers. good crew collaboration equipment, estimates, a notification function, and help for distinct organizations are some of its new functions. It at present lacks probably the most tools and studies that made the previous notable, but i am assured they’ll make their approach into the new edition (and FreshBooks assures me that here is the case). The cell version is already notable. GoDaddy Bookkeeping ($three.ninety nine to $eleven.ninety nine monthly) has a few things going for it. beyond monitoring earnings and expenses capably, it offers bendy invoicing tools that encompass computerized reminders, development updates, and ordinary transactions. if you’re conscientious about maintaining along with your incoming and outgoing cash, that you could get an exquisite first rate thought of how an awful lot be sure to pay each quarter in estimated taxes. it’s no longer double-entry accounting, although, and it lacks multicurrency support, mission tracking, and comprehensive client profiles. it’s a good carrier if you promote on Amazon, eBay, or Etsy, as mentioned prior. It hasn’t been up-to-date a good deal given that I last reviewed it two years ago, however. Intuit QuickBooks Self-Employed ($10 per 30 days) can be a good choice for a self-employed individual or freelancer who should separate business and personal costs, ship invoices, and song mileage, on the grounds that it’s very respectable at these initiatives. Its person interface and navigation equipment are extremely good. It additionally has a great partner mobile version, and it helps you estimate your quarterly taxes in keeping with your revenue and charges. Its introductory price makes it a cut price during this community, however lacks features that some rivals have, such as recurring transactions, time and venture monitoring, and direct integration with e-commerce sites. As i mentioned prior, it will possibly additionally tune your mileage, using your phone’s location capabilities. Kashoo ($19.95 monthly), nonetheless, has been reasonably busy adding functionality to the web site. It complies with double-entry accounting rules and is relevant for a enterprise with 1 to 10 employees. besides its big user interface revamp (which makes it an awful lot less difficult to get round), Kashoo has launched its own payment processor and offers new tax functions. rather than including lots of report templates, the website makes use of existing monitor space to supply context-sensitive information as you go along. It has multicurrency functionality, does challenge charge-tracking, and integrates with two payroll agencies, Paychex and SurePayroll. much less Accounting ($20 to $64 monthly) has made some minor adjustments for the reason that its remaining evaluate, including an more desirable income & Loss report and Stripe integration (as a price gateway). additionally, that you may now auto-categorize charges. It helps varied currencies and may be integrated with SurePayroll. It helps you create and song invoices and prices, and comprises commonplace document templates for companies that need those aspects in double-entry accounting applications. it’s especially skilled at filtering lists and allowing the use of tags. however would not present many customization equipment nor an awful lot within the means of add-ons, and there’s no mobile version. The user experience, too, feels dated. The web page could have gotten a much better ranking if not for its fairly high fee. Wave is a free service, notwithstanding there are expenses for price processing and payroll in case you use those features. The web page not shows advertisements; revenues come from embedded financial capabilities like credit card processing. Yet it be probably the most complete small business accounting software reviewed during this group, in a position to accommodate sole proprietors as well as companies with as much as 10 employees. that you may create thorough consumer, dealer, product, and repair facts. It also produces numerous styles of transaction types, including estimates, invoices, statements, bills, and receipts. Wave lacks dedicated time and undertaking tracking, and it has one mobile app for invoices and yet another for receipts. however all things considered, or not it’s the one i might suggest to somebody beginning out. The changing panorama FreshBooks has gained a large number of Editors’ alternative awards. The new edition appears very promising, and its consumer event, interface, navigation tools, and value characterize the innovative in small company accounting web sites. but better interface or now not, it nevertheless has a means to go earlier than it will possibly supplant its own outdated edition. if you are an latest and satisfied FreshBooks person, stick to what is now called FreshBooks basic. however what about new small companies which have simply gotten massive ample to desert spreadsheets and shoeboxes? The answer isn’t obvious. Given my lengthy perspective on the subject matter i was relatively stunned. Wave become a 2-star web page when I first reviewed it years ago. in view that then it has better enormously, with big contemporary upgrades. Its structure greater intently resembles that of greater superior small enterprise accounting sites like QuickBooks online and Xero. or not it’s a sensible choice for the self-employed and microbusinesses, considering that that you can get out and in immediately and do what’s crucial. Wave’s affordability, its capacity to make the advanced fundamental, and its standard finished help for primary accounting equipment combine to win correct honors this time. leisure guaranteed, besides the fact that children, i could be checking in on the brand new FreshBooks because it continues to add performance from the previous version, and i’ll update the overview for that reason. Wave is on the good, but FreshBooks is a very shut 2nd. read the drugs under and click on through to the full reviews for extra particulars. when you are just spinning up a small business, be sure you additionally examine our roundup of the suitable on-line payroll functions. NCH specific invoice billing software evaluation NCH specific invoice is only one of a portfolio of items from the NCH software company that has been in existence since 1993. here’s a equipment that’s aimed at all tiers of user, from people and small organizations via to medium-sized groups who need a quick and effective capacity of processing invoices, making it chiefly advantageous all over the coronavirus pandemic.  Alongside being able to dispatch expenses the software is additionally a practical solution for managing bills more extensively, permitting you to supply no longer only invoices however generate experiences of enterprise pastime too. All in all, it’s effective for joining up the dots for loads of customary economic initiatives encountered while running a enterprise. equivalent items consist of FreshBooks, Zoho invoice, Simplybill, Invoicera, Paypal Invoicing and invoice professional. The NCH specific invoice interface points a no-nonsense layout (photo credit score: NCH categorical bill)Pricing tons just like the application itself, NCH specific bill likes to retain things primary. It’s available as a free version, which means that you can trial it for nothing. Alongside that there is additionally a paid version, which currently has a one-time cost of $59.ninety five.  while the free edition will permit you to journey the full latitude of NCH categorical invoice aspects, it’s value noting that the paid-for version does will let you entry mobilephone assist, which is always a bonus especially if you tend to have extra advanced business issues to clear up.  NCH categorical invoice is obtainable as downloadable application too, which means you at all times have a copy saved in the neighborhood for your own laptop. NCH categorical bill has a complete set of tool alternatives (image credit: NCH categorical bill)facets The record of aspects and features discovered internal NCH specific bill is wide to say the least. As you’d are expecting, the valuable theme is dominated by the skill to generate invoices, prices and orders. however you could additionally customise these and add for your personal business identification to provide issues an added air of professionalism.  added to that it’s viable to keep or ship invoices as PDF info, agenda habitual invoices and use the software across distinct businesses. there’s distinctive reporting functionality too, which is a realistic approach of managing money owed and conserving tabs on funds for invoices that might not be up so far.  including to the attraction is that NCH specific invoice will guide multiple tax charges and there’s computerized VAT calculation included for decent measure, which makes it most constructive to UK-based company homeowners. NCH express bill may also be used across plenty of platforms (photo credit: NCH express bill)efficiency NCH categorical bill is fantastic when it comes to average performance, with the added benefit of web entry allowing different permitted users to tap into its skills, for example within an workplace network. The business has additionally usefully engineered the utility so that it may also be integrated with Inventoria, which is one more NCH product that may do something about managing stock.  Usefully, performance is additionally boosted by way of being capable of sync the software between contraptions. So, that capability it will work seamlessly in case you start between computer and cell contraptions. This additionally lets you manipulate invoices on the go on a tablet, using both iOS or Android.  NCH specific bill has the capacity for letting you e-mail or fax at once from within the application. besides the fact that children faxing is used occasionally, here’s a effortless function if you’re coping with any agencies who haven’t embraced greater up-to-date technology. there is a lot of support on the NCH categorical invoice web page and make contact with help with the paid-for edition (photo credit score: NCH specific invoice)Ease of use if you’re at all daunted by using billing and invoicing application then NCH express bill should do a decent job in calming any jittery nerves. when you’ve installed it the utility is terribly nicely designed and engineered, with a streamlined interface that would not throw up too a good deal within the way of surprises.  really, it appears to have been honed cautiously consequently works neatly on different systems, so in case you down load the edition for your Mac then you definately’ll locate that it ticks over simply as well as it does on the home windows platform. even more astounding is the manner that NCH specific bill is also obtainable for the iPad or iPhone, Android and even Kindle contraptions. NCH categorical bill allows you to print, e-mail and even fax invoices (graphic credit: NCH express bill)assist besides the fact that children NCH express invoice is often very easy to make use of there might be a possibility that you simply’ll have some questions alongside the style. In that admire the most useful region to move are the assist pages on the leading NCH categorical invoice web page. Listed down the web page are many different subject matters, which cowl many if now not the entire functionality themes you may have.  It’s a finished overview that covers the finished innermost workings of NCH categorical bill. although, over on the correct-hand aspect of the page there are also links to the NCH software blog and also the specific bill discussion board, each of which are price bookmarking so that you can get extra suggestions and tricks if essential.  there’s a top rate support line, with diversifications on the theme for diverse geographic regions, besides the fact that children moderately sufficient here’s simplest obtainable to paid shoppers. in any other case, the enterprise advises contacting them via email. categorical invoice  can even be built-in with NCH’s Inventoria software (image credit: NCH express bill)final verdict NCH categorical invoice is a great package and much more attractive in case you nonetheless choose to have a downloadable software product that you can save on a native computing device.  The characteristic set is finished, the program runs on loads of structures, together with windows and Mac whereas researching it is simplicity itself. NCH may still be counseled for establishing such a magnificent equipment of software, however conserving the fee low too.  The budget element of NCH specific invoice does on occasion take the sheen off its enchantment and there are one or two rough edges, but average if you’re hunting for invoicing and billing utility then make sure to certainly try it out, peculiarly because the trial prices nothing in any respect. photography Invoices: Templates and how To Make Your personal no matter if you’re working as a contract photographer or have your personal images business, it’s fundamental to understand a way to create a correct bill. For one element, it’s what permits you to get paid! however basically as importantly, your invoices will also be a further solution to display consumers that you just’re an expert. Your Invoices Say plenty About You Let’s face it. if your invoices seem to be amateurish, it sends the wrong message. It suggests you could be inexperienced, scatterbrained, or that you simply don’t put sufficient effort into your work. And in case you don’t encompass all the counsel the client needs, they can also get aggravated that they must go from side to side with you just to pay their bill. on the other hand, if your invoices are expertly crafted and simple-to-take into account, consumers may be extra prone to come lower back to you in the future. And making knowledgeable-searching invoices is convenient when you know the way. There are lots of extremely good images invoice examples available on-line, and there are free templates which are quickly and simple to use. however to profit from those templates, you need to know precisely a way to fill them out. That comprises every little thing from realizing the simple counsel to choosing the right billing components and environment a good pay price. So earlier than we study some examples of images bill templates that you could use, let’s go over what suggestions you should definitely consist of. graphic by the use of Microsoft workplace Templates elementary data for photography Invoices These are the necessities. here information should still be included in each photography invoice you create. lots of them don’t seem to be just a rely of professionalism, they’re truly required for legal or tax purposes. So make certain your invoices consist of: An invoice number The date Your assistance (identify or company identify, tackle, and phone particulars) Payee suggestions (customer’s identify and address) Description of functions fees fee particulars Most bill templates will evade you from forgetting this stuff seeing that there’s a clean house or heading for each of them. however, there are many finer details and regular practices of invoicing that be sure you even be aware about. Invoicing Like a pro here are some things to take into account that may straight make your photography invoices more professional. select the appropriate Billing components There are a couple of regular billing methods commonly used in the images trade, and what classification you’ll want to use depends upon the project. To help you are making sense of it, here are descriptions and pros and cons of the diverse strategies. Time Plus cost invoice your consumers for the time it takes to complete a job, plus the direct prices worried. Your invoice will be aware the hours you spent on the venture after which practice your pay rate. it is going to additionally listing all of the direct fees (travel, models, special equipment rentals) and the costs for each. This formula is most effective for initiatives the place the amount of work or time required is uncertain, and it is usually used for adventure images including weddings and corporate pursuits. execs Ensures you get paid for all the work you do, and any unexpected prices. constructive for tasks where it’s tough to estimate how lengthy it is going to take or if there may be additional work required. Cons Makes your invoices look more complicated, and you’ll should explain issues to purchasers. Some shoppers gained’t like starting a undertaking without a set price in the past. showing customers the can charge for each point of a project can make them suggest how to keep cash, comparable to via skipping a step in your procedure. Lump Sum bill your customers a set rate for a selected project. This billing formulation is correct every time you are confident you know the quantity of work a undertaking would require. as an example, portrait photographers frequently use this billing components when creating a photoshoot invoice for a portrait session. pros perfect to tasks with a neatly-described scope. It allows for consumers to look the fee until now. You receives a commission the identical although you conclude the job ahead of agenda. Cons You may grow to be doing additional work or spending time on a venture devoid of extra pay. service-costs-Licensing invoice your shoppers for time and prices, in addition to a licensing fee on your images for a distinct length of time. This billing formula is top-rated perfect to initiatives that involve your pictures getting used on a huge scale (corresponding to product photography for a country wide campaign) because you can charge extra in line with photo usage. To help you work out a good fee, take a glance at this e book on the way to rate your photography, or use this picture usage calculator from the association of Photographers. execs you can earn better pay based on how generally your photograph is used. You get to hold possession of your images. once the licensing duration is over, the customer would need to renew or you can promote the photos to somebody else. Cons greater advanced than other billing methods. Creates the accountability of monitoring photo use each throughout and after the license term. photo by way of Freshbooks choose a correct invoice number The bill quantity should be obviously cited at the properly of every invoice. with out it, an invoice isn’t regarded a criminal doc. For tax and accounting applications, the typical rules for bill numbers are that they should still be sequential, prevent gaps, and also you may still under no circumstances repeat a prior to now used number. one way to stay prepared is to make use of an invoice numbering system that comprises the date. That way, which you can at once inform when each invoice turned into created. for example, your first invoice for the yr 2020 may well be “20001”. in case you’re wondering why not retain it standard and use “201” because the first bill quantity for 2020, it’s because with handiest three digits you’ll promptly run out of space; You won’t be in a position to do another sequential quantity after you attain 209. but with the aid of including extra digits, you depart extra space for bill numbers. So be formidable concerning the number of jobs you’ll land this yr, and include some added digits! include the Taxes Taxes are often neglected by means of freelancers who are just beginning out. but if you’re going to should pay earnings tax on the costs you compile, you don’t are looking to forget to consist of it in your invoices. in any other case, you’ll be compelled to pay it out of your own pocket later. The tax laws regarding photography vary tremendously reckoning on your location. for example, some U.S. states don’t assemble any income tax in any respect, some states tax photograph revenue however now not images services, and others trust all images features taxable because they’re a part of the “fabrication method” of pictures. so you’ll should look up the applicable suggestions on your area. when you comprehend what tax fee to follow, including it to your invoices is essential. And as you’ll see beneath, there are tools that can calculate it for you and add it to your invoices immediately. For greater guidance on coping with the taxes on your images business, take a look at this e book: Taxes for Freelancers: The artistic knowledgeable’s e-book to Accounting and Taxes. Add phrases and prerequisites for Late price It wouldn’t be necessary to encompass things like fee due dates and late payment policies if each person paid their expenses immediately, but that’s now not the case. So be sure you consist of a concise part on your bill to establish when the price is due, and what the penalty is for late funds. That manner, when a payment inevitably doesn’t are available in on time, you’ll comprehend what to do. You received’t be second-guessing yourself about no matter if it’s too early so you might observe up and contact the client. as a substitute, it’s going to all be there in black and white. if you’re afraid that charging late expenses will hurt your relationship with a consumer, you can at all times come to a decision to waive them on a case-by means of-case foundation. quite simply having the terms and prerequisites for your bill tends to be a pretty good incentive for valued clientele to pay on time, and it will be there if you want it in case of a dispute. One element to word is there are laws towards charging extreme late charges, and that they differ by location. So earlier than you definitely bring together late prices on an late invoice, you’ll are looking to look up the relevant rules on your enviornment. here’s knowledgeable instance of terms and prerequisites for a late charge penalty: “These charges can also accrue late interest at 2% of the superb balance per week, or the optimum price authorized by means of law.” And if you’re having obstacle amassing your costs, take a peek at this guide on a way to tactfully ask the client for a payment: 7 how you can follow Up On An bill devoid of Sounding Like A Nag Throw in a “thank you” it may possibly seem like a minor element, but with ease including the phrase “thank you” to your bill can go a long approach against giving it a friendlier tone. And trust it or not, there’s been research that indicates invoices that include phrases like “thanks on your company” are five % extra likely to be paid. And in case you want to go the additional mile, you can use the “thanks” message as a means to admire your relationship with the client or present them a perk, similar to: “thank you for the probability to serve you over the last 5 years. I respect your ongoing enterprise.” “As a thanks in your ongoing business, we would want to provide you with 10 p.c off in your next project” Create a logo together with a symbol is a good way to add a personal contact to your invoices. So if you haven’t already, be sure to agree with developing your personal logo. a very good emblem can: aid shoppers be aware you Add a sense of professionalism convey your pleasing style furthermore, many photographer invoice templates encompass an area for an emblem in their design. So if you use one of those templates and don’t have your own logo, your bill can appear to be something is missing. photo by way of Hloom the place to discover Free invoice Templates there are many locations on-line the place which you could discover free photography invoice templates. however some are superior than others. as an example, that you would be able to get a range of invoice templates for observe and Excel in the course of the Microsoft office web site. while these templates will work excellent, they are just commonplace templates and consist of headings for information you seemingly won’t want. even so, in case you opt for a template designed exceptionally for photography, it can make your invoicing more straightforward. So listed here are some options for super photographer bill templates so that you can use for free. bill fundamental This invoicing software company presents several free photography bill templates, and each template is labeled for a different category of images job, such as “experience”, “freelance”, and “images assistant”. The leading difference between them is whether they’re set up for billing an hourly fee or a lump sum. The web site’s common photographer invoice templates can most effective be downloaded in Excel structure, so keep that in mind if that’s now not your favorite application. but the site does assist you to customize the templates on-line and then print or down load them as PDFs. That skill that you may use their online editor to tweak the design, colorations, and design, after which input all of the information to finished the invoice, without the deserve to create an account. As a bonus, this photography bill generator can immediately calculate and include the taxes. FreshBooks The accounting enterprise FreshBooks presents a couple of distinctive styles of free photography invoice templates. The site additionally provides the alternative to customise a template online, but you’ll need to create a free account to get access to that feature. if you’re hunting for an exquisite invoice template for you to down load in loads of file formats, this is an excellent alternative. Hloom This business makes a speciality of selling resume templates, however they also present more than a few free invoice templates for down load, including a couple of terrific alternate options for photographers. When compared to the different templates on this listing, those provided by Hloom are a bit greater enterprise-like and minimalist. So in case you desire an invoice that receives straight to the point without a distracting colorings or useless design facets, seem no additional. Hloom offers a number of templates that encompass each classification of billing formulation you may wish. display consumers You’re knowledgeable With the entire competition out there, it may also be challenging to make a name for your self as an expert photographer. should you’re just starting out and making an attempt to construct a popularity, be sure you be doing every thing that you can to demonstrate customers that you simply’re an expert. There are a few the right way to try this. just just a few of them consist of: build a very good images web site to draw in competencies consumers and blow their own horns your skill. Create a social media approach for merchandising your company. Use studio administration utility to dwell on accurate of your whole appointments, funds, correspondence with valued clientele, and more. Get your work posted by using a good journal or website. Enter photography contests to delivery amassing accolades. Your invoices are only one other device to add to that checklist of easy methods to persuade consumers to maintain coming back. And in case you put these information into apply, you’ll be making ultimate invoices that galvanize customers right away. want extra assistance on running a images enterprise? try these courses! the secret to dealing with an sad photography client Ace Your client family members With These 17 handy tricks How a lot Do Magazines (And other Publications) Pay for pictures?.

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