| A guide on how to succeed in webcam modeling!

Sep 17,  · Steered by fashion's fickle whim, the best modeling agencies are always looking for new talent, and for an aspiring model, the right agency can make a career. Signing to a reputed agency can be a gateway to editorial shoots that bolster a model's portfolio, not to mention catwalk opportunities and advertising campaigns.

How to Become a Model: Ready to advance your career? Answer questions about experience honestly, but with the confidence that you can learn. Most potential clients want to see someone with a natural look that they can dress up or down. Models need to be aware that there are things out there being offered to them which are too good to be true.

One question I’ve been getting lately is, “What do you actually do in XYZ group at a bank?” And since everyone still wants to be in Mergers & Acquisitions, “M&A” is the most commonly requested group.. I had assumed that if you found a site like this, you would just naturally know what you do in each group.. But I was wrong – because I keep getting this question over and over.
An information resource for new models. has been providing information to the modeling community since ; since we have focused primarily on clear, straight, no-nonsense information about the commercial and fashion modeling industries, as well as some information of interest to models who have a presence on the Internet.
Legit Modeling Agencies are great. They help models across the planet land all sorts of modeling jobs that the model would otherwise have no chance of getting. They can help models get their beginning through test and photo shoots, creating or updating their portfolio, and getting them their first modeling job.
At Fastway Movers NYC, New Jersey, Boston & Miami, we understand that every move is’s why we give our services special treatment, in particular compared to other moving companies. We are always trying to outdo ourselves by seeking innovation, using the latest technology, and having highly trained and qualified people for every service.
Now hiring webcam models. Make big money with a CamSharks webcam modeling job on your computer and webcam, signup NOW! It/s free!
Start your program


Should You Go To A Modeling School?. Why not? Modeling schools are fun. You meet lots of new people, make friends, do fun things. They say nice things to you and make you .

Sadly, not a lot wiser. Hank tells her she needs Advanced Modeling classes, which are only another thousand dollars, new pictures several hundred more and in another six months she can go to another convention. Now the college fund is depleted, and her folks are looking at another mortgage on the house. Rachel is never going to be offered a modeling contract in a major market city, no matter what Hank says. What if Molly had gone to Hank instead of Maureen?

There are a lot more Hanks out there than there are Maureens. Molly and her folks walk in to see Hank. Now they really see dollar signs lighting up their eyes! Money for classes and bad pictures. Money for the Big Convention. By now Rachel is a year old aspiring fashion model with less money than she had before. Molly is the Real Deal. Every fashion agency at the convention is clamoring for her. She gets 42 callbacks, three clandestine meetings with scouts, and offers to fly to exotic places to do wonderful things.

Hank has convinced her that he is the best person to manage her career. Hank is seeing Big Bucks in his future. More bucks for her, more for him. What could be wrong with that? They should, they have a superstar in their stable who looks just like her. So they want to keep her on ice, keep her from competing with their star.

They tell Hank that they want Molly to be developed a little more, that in a few months they will want to sign her. They might even sign her right then, but send her back home. Hank is in heaven. This is the agency for her! Nope, they are the wrong choice for Molly! So Molly sits at home, waiting for her chance to be a model. Time goes by, she gets older, less desirable. But Hank has a plan: So off they go again, to see the same agencies that wanted her before.

But instead she has Hank, claiming to be looking out for her, and really trying to cut the best deal for himself. She is getting older, wasting prime time, becoming less desirable with each passing month. And Hank still has visions of making that big strike with FTTA, so he tells her not to go with any other agency. Modeling School as Mother Agency: They have an interest in her success: The modeling school often tries a perversion of this concept.

First they take hundreds or thousands of dollars from the model for classes, conventions or photos. Then they want even more money from the model in the event she actually gets work somewhere. That sounds like the school is incentivized to find success for the models — but the truth is the great majority of their money is taken from the model for all those unnecessary services.

Getting a percentage of earnings is only a small part of their income, and one they can easily afford to pass up. That leads to lots of opportunities for abuse. They find all sorts of other reasons for keeping a model from signing with that agency.

They make their money on the classes and services, and then do what they can to help their models find work or a real agency, without taking a further fee. When a model finds an agency, they are pleased simply to congratulate her and pass on the good news to their other students. It makes them look good, and helps them sell other students on their classes.

So, should you go to a modeling school? Maybe, but now you know reasons why not. All names are made up. Also, is there any way that I can download the model as I cannot see any link to download it? Same goes for the Box and Alibaba models as well on your other posts. Is there any financial model developed for upstream oil and gas industry. It would be great to see something.

Can you email me the exact template in PDF? My email address is wawuah yahoo. Thank you for sharing your great knowledge. Please is this the same basis for building Actuarial model. I want to be able to develop an actuarial model. Really an amazing article. I have learnt a lot form it. Keep up the wonderful work as it really helped the upcoming professionals in the industry. Could you share me the template for a deep study further?

The one with all the ratios and the detailed study? I am from Booth MBA and not come across such valuable article. Can you please email the most updated copy. I have been wanting to practice financial modeling since I last took a course in Do you still work with JP Morgan. I left JP Morgan in after falling in love with entrepreneurship and blogging. This site is wonderful, glad I found it. Could you please email me the deep analysis template as the template I downloaded seems missing some parts.

Sir Dheeraj, I actually appreciate what you are doing for all of us. I hope to be a good analyst like you, thank you for all!!! I have enrolled for paid venture capital course. I am unable to access it. Could you please guide me on the next steps? Can you please send me the various templates used on the courses.

This is very instructive and largely straightforward to follow. Hello Dheeraj, I loved you written model here. I want practice this same model myself. Can you send the Solved Excel Sheet, so that I can evaluate myself.

I have seen very few such easy worded articles which make difficult topic like this look simple. I am unable to download the solved and unsolved excel sheets for finance modelling can you please arrange to send me. Could you please send me the link? I enjoy your site and appreciate your time and desire to share your knowledge with people like me! I am still reading this article and training particularly. I would like to ask you, at the moment this is Colgate case to learn.

But if you have to do something similar but for a company which starts now where do you manage to take all the information from. Here we have historical data but when the company is new, in fact we do not have such data? I appologize if you have commented a question like this before!

If the company is new, then it becomes tricky as there is very limited data available. Such models are very simplified and its complexity depends on the amount of information available.

First of all i would like to thank you for giving us a useful model and some information about Financial modeling. But, can you please send me the download link of the Ratio Analysis in this course.

I really appreciate the efforts you have put here. Can you please share the template with me too? I have downloaded the excel sheets but later what to do I am not getting. Can you help me how to learn from that??

And where the videos will be available? Dear Dheeraj, I really appreciate your work and knowledge. Dear Dheeraj, do you have video training for this financial modelling?

I would like to have it if you do. I am very interested to learn financial modelling, thank you for your great help. Yes, we do have video training course on Financial Modeling. Please do let me know in case of any information you require about this one. However, you may find a lot of video based tutorials in the pro version here Financial Modeling Course.

Simply amazing and a grand salute to your knowledge. I have a small query. Sometimes the previous figures that are given in an annual report are different from current figures of previous annual report. For eg the ebit figures of previous figures in the annual report of year current year and those of current figures in the annual report of previous year are different. In such a case, which figures to use?

Only those who have opened the annual report and tried populating the historical figures may not this issue.

You should always take the most recent data available for the model. In the case you suggested, you should take all the figures from Hi, Thanks for the Tutorial. Is there a link to another download for them? However, you can refer to SOTP valuation that i took in one of the detailed posts. I have one question though! So the company I am analysing has never buybacked thus there is no amount for the buyback of shares in the cash flow statement.

If they have never bought back the shares, then there are two scenarios — 1. If no, then you are not required to work on finding the share repurchase. If the company did announce that they are going to buy back, then you may use the Industry average PE to find the implied share price of the stock.

Hi Dheeraj, Many thanks for your great tutorial. Do you have the most up to date version yet? I am working on the updated model to be released soon. Meanwhile, please let me know if you require the dated model?

Thank you for an amazing model, this truly helps getting hands on experience on this very interesting aspect of fundamental analysis. I have a couple of questions though, would be glad if you could answer them: Is this not the general practice? You have some great points here. My take on those. We should ideally remove all the non recurring items so that the projections do not include these one time volatilities.

I did not do that in the model to keep the model a bit simpler to work with at this stage. I am working on a full ratio analysis case study. Will try and incorporate your valuable suggestions in that.

I have taken this just on the basis of historical growth rates though i should have investigated further on this. So you calculated the average historical growth rates and used that as a basis for your projection? I would like to ask you a number of questions. Would you be willing to send me an email so that I could respond with my questions? Thank you for all your efforts! I noticed that in the colgate palmolive model template the ratio analysis bit is absent. Could you please advise? I am currently working on updating this case study along with the Ratio Analysis.

Should be up and ready in a few weeks time. Yes Rohit, you can check the ratio analysis of Colgate here. I can get to the last step fine but the part around the revolver and the transferring the debt info the the BS are causing me serious trouble. Why do the numbers in the tutorial, the numbers calculated by using the formulas, and the numbers in the completed model not match?

For example, in the 12H step, the revolver is 40, on the completed model it is , and via my model, cell K20 should be What is going on? Did you take the same assumptions as mine? Also, once the model is completely linked, it goes through a circular reference loop and causes changes to the intial numbers that we may have taken. Got to know about this blog of yours while searching guidelines of finance modelling over internet.

I am an amateur in this field though done with my mba. I really want to explore the finance modelling. So, could you please help me with this by providing some background and how can i pursue some practice on the same. You can think of this as the core of Research Field.

You can learn Financial Modeling easily by downloading unsolved sheet and practice as per the given step by step instructions. For 3A, revenue projections using growth rates, how do you get the projected growth rates? How do you get this 4. I did not use much brains here. I have just taken this from the trend based on historical analysis.

Hope u r doing well. Is financial modelling for capex projects different from that of equity? I am a civil engineer trying to gain knowledge on capex project proposal, financial projections. Equity research may not contain capex in lot of details as it is just a part of the overall financial model. However, from project finance perspective, Capex will become the most important driver. You should learn Project Finance Modeling. The ratios are shown int he tutorial but are not found in the template.

Is there a reason for this? Can you send me the updated template please. I love your work and thanks a million for such a generous offering. My values are close yet far from your values. You should proceed further as Ratio Analysis will not affect much of your financial modeling. An update to this Ratio Analysis is under progress. Will reply to you soon on this. Hi mythreyi, is that youuuu? Fancy meeting you here. Hi Dheeraj, Thank you for this tutorial. Its the best ever tutorial that i have come across.

I just had one query how do you project amortization? In this example colgate had given details of next the 5 years of amortization expense. But how do you do it when nothing is mentioned about the future expenses? If not much information about the amortization is provided, we will proceed in the same way as the Depreciation schedule.

Would you have a example for a SaaS startup valuation. Can you please help me finding the templates because I am unable to locate the Template download option. Hello Dheeraj Sir I had filled the form already but still not received template. I filled out the form already but have not received the template.

Would you be so kind to send me both the solved and unsolved Colgate Palmolive template? This is a typical circular reference error. Rechecked quite a times but still having the same error. Only the diluted weighted share figures has this problem and not the basic weighted average share figures. You may try again with the following to remove DIV Value kind of errors —. Circular reference comes due to two aspects — 1. Thank you dheeraj the solution absolutely worked.

But few things are still unanswered. One, the ratio analysis bit from the FM is missing. Secondly, how to make a reasonable assumption for an interest rate based on the information provided in the 10K report.

Meaning,do you mean past interest rates from the k, please specify. IF 10K, please direct specifically. In nutshell, i would like you to please check my worksheet. If yes, i would be mailing it to you. Please check you email for the template. Did you fill the download Colgate model form. Else, please mail me. Will send you the model. Hello Dheeraj Sir, Thank you for your kind and generous free course for financial modeling, I am looking for a come back in finance career, it is very much useful in both brushing up basics and in-depth analysis.

It will be a great favor to me, if I can get excel sheets e-mailed. Did you signup for the Download Colgate Model at the start of this post.

If yes, you should get it automatically. If you have still not recieved, i will email you the models. HI Dheeraj, This tutorial seems to be really informative. Do you happen to have a video tutorial of the same?

I have doubt related to Depreciation and Capex calculation. I want to know why is 3. This is a mid year convention. If the capex installation took place on Day 1 of the year, then you must charge full depreciation. However, while estimating, we do not know the day when Capex was installed so we take Mid-Year convention capex installed at the middle of the year.

With this we should charge half the depreciation for the installation year not the full year. Thank you for your amazing work done! It is very detailed and covered almost everything. Do you of a certificate of completion for this training, we need 45 hours of financial management training? Unfortunately there is no certificate for this Free Financial Modeling Training.

How did you get the 4. In actual scenarios, we need to more industry research to put the growth numbers. This kind of error is completely acceptable. Great to see that you were able to prepare the full financial model.

Please is there a video for the financial modelling tutorials? I am finding it difficult to understand. Unfortunately, i have not yet prepared the video tutorials.

Please let me know if you have any questions. Thanks for posting, this is very useful indeed. Or point me towards it on the site. Also I was wondering how long it takes you approximately to complete a financial model similar to this one?

Thanks for your question. I received your email as well. Ratio analysis sheet is a bit dated. I am working towards updating the same. Will send you shortly.

Assuming that you worked through this Colgate Financial model, any new Financial Model may take anything between 1 day to 10 days. It depends on how robust modeling you are looking at. Normally the first independent financial model is the most challenging and exciting! Thereafter, it will be easier for you to interlink and fine tune other models. I have learn financial modelling back two years and now forgot everything but your course help me to remind everything. Dear i am doing job and working as a Manager accounts in a manufacturing firm.

I want to ask from you that where online i can made the models for people and sell so i can generate more income in my free time?

Ofcourse preparing financial models can be wonderful. You can use your models commercially or as a base for financial advise. First, are the financial modelling for biotechnology sector and pharma sector the same? Is it possible to just purchase module 35 Financial Modeling — Pharma Sector and 41 Financial Modeling — Biotechnology Sector of the advanced financial modelling courses?

More of less all financial models are prepared in a similar way. One exception to this is the bank models e. JPMorgan where balance sheet is prepared and later on we move to the income statement. For example, in original Income Statement downloaded from Colgate site, for these categories in we have 3. I have divided this by 2 due to the stock split of Colgate. Since the denominator increased by a factor of 2, the earnings per share should be divided by 2 to get the correct picture.

As the annual reports show them to be in the range of million. Hi, In leverage buyout models, would the integrated three statement model be as advanced as this example? I understand how the , etc.. But for , since data is not shown — do you use some other method? Your website is excellent, I have used it many times as a reference for modeling. I am also a member of eduCBA — I have the investment banking bundle.

I am unable to balance a model — I have a constant difference, which doubles every year. Would you be willing to take a look? It is very important for me to find it.

I am currently working as a QA for payment domain in an IT company. What are your thoughts on pursuing this finance courses for a person like me?. I am even interested in CFA although my interests are not aligned with the job I do. I have a certification from University of Michigan about — introduction to finance.

I am now planning to do MBA with this finance knowledge as my assets, as I am already half way through your financial modelling course. I am willing to learn to more and get involved in this field.

Please help me in understanding what would be the right way to go ahead. I think CFA is the right thing to start with. In addition, you can do these financial modeling courses to solidify your concepts practically. First of all i would like to thank you for all the detailed courses and the time that you have taken out to make them. However, can you please send me the download link of the Ratio Analysis in this course.

Hi Dheeraj, I have some problems to download the files. Could you please send it to my mail directly? Thanks in advance, best regards, Milan. Thank you for making it easy to understand its fundamentals properly. Thank you for enlightening us with your great articles on finance. This financial modeling article is very interesting to know the performance of the companies. Thank you for teaching through the mode of an article how to prepare a financial model. Dheeraj thanks a lot for your contribution, extremely helpful.

Providing a thorough knowledge on each and every step caught my attention. Thanks again for the contribution, and yes all the new posts on your site are simply awesome as well. I am glad that i found this free financial modeling course on wallstreetmojo. This is a complete step by step training in simple way.

Really helpful for anyone who is naive to financial modeling. The training on preparing financial models that too for FREE is awesome. I really appreciate the way it has been explained step by step and in a concise manner. Looking forward to learn some other advanced modeling lessons as well. This financial modeling guide is great. All concepts are explained to the point and the explanation is crisp.

I am now going to try making one financial model. Thanks for the help! I am amazed that this free course has actually covered everything. Specially the way in which each calculation and formula is explained.

Use of excel is done very well. Thanks Dheeraj for sharing the content. This is an amazing course and that to for free. The model is very well explained.

Kudos Dheeraj for sharing such a content of true Value. Thank you Dheeraj Sir for your informative article on Financial Modeling. Truly your articles are amazing and helpful. The way you explain the things through your articles is too good.

I love your way of explaining the things in the form of examples. I intend to know what does actually financial modeling means your this article has helped me a lot in understanding about financial modeling. This post is awesome Sir! This can really help freshers like me understanding financial forecasting. Thanks a lot and keep providing knowledge to us from your vast industry experience. This was very helpful as I prepare for an interview where I might be asked about financial modeling.

I learned so much. Thank you for creating this free course! Thanks Dheeraj for this tutorial. You made it appear simple. Hi, could you kindly email me the colgate models, both the solved and unsolved. Am unable to access. My email is sylvianyakio yahoo. Hi Dheeraj— Can you email me both models too? You are a guru! You must analyze the stock market with impeccable precision. I know it must be high! Also, could you analyze GoPro next? Thank you Stacey for the motivation: Though i am not tracking GoPro, I will check and get back to you if i can evaluate this stock.

You need to just download the Colgate Model from the form at the start of this post and start learning financial modeling. I am not sure that joining this course with CA will be better for me? I have a couple of questions; — Step 9C: I am not able to understand the link.

Where did you get the RSU figures of 1. Why have we assumed 2. Thanks for the encouragement and sorry for the late replies. This comment got dumped in the spam comments i received.

Step 9C — as the company statement said that they are authorized by repurchase update 50 million shares, in the model, we just need to be careful that we do not repurchase more than 50 million shares. If you check 9C, you will note that each year, we are repurchasing around 30 million shares. Step 9F — good question, why i divided by 2.

This is just an assumption that i have used to keep the calculations simple. Hi you, thank you so much for your free course! I am writing a separate note on this. Will update you on this shortly.

I took a finance course 10 years ago, do you think I need to take a refresher course? It yes, can you please recommend something either an online tutorial or a book. Just curious to know what is your objective of taking a finance course? I can guide you further based on your inputs. Dheeraj,Thank you very much for taking time to share such insight in financial modeling.

Why do you subtract 1 from the base year in the horizontal analysis formula. What do you call that. My liquidity and solvency ratios are varying a little. I am unable to identify the error. This is Step 2C. For example my inventory turnover from Dec onwards if 5. However urs is 5. I am writing a note on Ratio analysis where i am covering Colgate as an example. Will keep you posted on this. Could you help with Financial Modelling of a New Mfg. Regarding the circular reference in step 10D.

How do we go about getting rid of this circular reference. Follow the following steps to remove the DIV error. You cannot get rid of circular reference as it is inbuilt in the core modeling exercise.

Thank you so much for publishing this — it is wonderfully written. I was just wondering, would you mind including all the ratio calculations in the solved template for verification purposes?

I I am working towards writing another blog post completely dedicated to Ratio Analysis. Will update you once its posted. Therefore my question, how to come up with a Receivables b Inventories c Account payable. Sorry for this late reply. The comments got dumped in between the spam messages i have been receiving.

How do we come up with teh following — a Receivables — here we calculate the receivables turnover in days. We note that the receivable days is between 34 — 39 days.

So going forward, we take an assumption that receivables days will be around 35 or so. Based on this input of 35 days for colgate, we back calculate the receivables. Please refer the Colgate excel sheet solutions for further details.

You have beautifully explained and demonstrated the flow of the FMCG company model. However, I wish to value a company which is still in the nascent stage of development, i.

Could you please build such model? Currently i do not have such a model in place. A company that does not have any revenue from its product till date will be valued on the basis of how the growth may look like once they launch the product.

Cant detail things much here without knowing the whereabouts of the company. But I stock in the step 4E. I do not understand how do you project the Receivables, Inventories, Accounts payable and Accrued income taxes. I need some help here. I do not understand how do you project the Receivables, Inventories, Other current assets, etc. Is with the proponcional os Net sales and Ration Assumptions Drivers???

I am sorry i do not have such a model at this stage. Some thoughts though, as we do calculate most areas that would be classified as operating expenses, why not link up those once to the Rev Estimation as well.

I might have missed something in regards to this but would be glad if you could give your thoughts on it, as Earnings would be an important factor to determine share price.

Its just about how you think about certain assumptions. For example, advertising expenses should move with Revenue can see the direct links so Revenue linkages makes sense. If you are comfortable with Revenue assumption linkages, you can also take that.

I have seen many analysts doing so. A lot of thanks for sharing your knowledge! I have a question though. Your Tutorial is really nice and I learnt a lot of the mechanisms from it. I have already tried to go through the model and I got stuck during the equity section Step 9C to find out he implied share price.

However at that time, my income statement is still not finished as the interest expense statistic is not ready and hence no EPS is derived. If I reverse the step to calculate interest expense first, equity data and cash flow from financing activities needs to be used. How should I solve this problem? Thanks for your note. You need to carefully follow each step one by one without skipping any. This also means that you have to follow the same sequence as suggested in this tutorial.

It will be great if you could send me your Financial Model — i will have a look at it and see the exact nature of the problem. Awesome financial modeling tutorial. I will be working on this provided unsolved Colgate financial model and then hopefully be able to do my own model of another company.

Once completed I am going to try and show interviewers what I have accomplished and hopefully land a financial analyst entry level position. I really appreciate the effort you put in to come up with this very nice tutorial. I have one main issue anytime i look at a financial model, Please i would like to know how to check if the financial model built is reliable in terms of the accuracy of the forecast. Accuracy of the forecast can be done by revisiting assumptions and checking the same with the publicly available resources.

Likewise, in results and conference calls, management do provide their guidance on key numbers like Revenue, profit etc — broadly these should be in line with the estimates provided. Request you to please assist how you forecast the numbers of revenue growth and whats the best forecast method i can use for further forecasting? Each depends on the availability of data and your time.

FMCG companies forecast can be done geography wise, product wise or both. Though such an approach is time consuming but is often recommended as it more robust. This is really amazing stuff Dheeraj, you were able to break the financial modeling concepts down into an extremely digestible form for ease of learning, much appreciated!

I was just wondering, is there a follow up post on how to conduct a scenario analysis? Hi Dheeraj, Thank you for this tutorial, Dheeraj, i need your guidance pls, I am 32 years old,BCA graduate in job and interested in to be a Equity research analyst. However problem is i have no understanding and dont know where to start from.

I really admire you finance people but i have no knowledge and i am ready to learn and hopefully get a CFA qualification for myself as it is not common here in Ghana. Can you advise on what i need to do and learn to at least be able to understand what you have done inside out and get ready to do more complex things? I love to project figures naturally so i trust i will enjoy finance but i need to know how i can start understanding from scratch so i can understand all about finance including NYSE, derivatives, options reading and interpretations.

I want a career in finance and set a company later when i have money. Thanks for your kind words! I think getting a CFA charter will be first step towards a career in Finance. I strongly recommend the same considering your enthusiasm for Finance. Thanks Mr Dheeraj sir, for sharing this knowledge. I need this for my financial self study.

Love the way you present all the information And the memes too. I am interested in building my finance career experience in Financial Modelling and i have found these materials as a good starting point. Its the best available online material. People who have FM-phobia will overcome there fears by the end of the page.

Thanks very much for sharing the template. It is an excellent tool to understand the topic financial modelling. The model template is excellent. Tolong contack saya atau send a email. Hi Dheeraj, Thank you very much for your work. You set the useful term of computer equipment and software as 3years, however you continue to book the depreciation cost after the forth year.


Once you know that modeling is the right job for you and the career path you want to follow, you need to get started as soon as possible, and the best way to do that, is to start searching for available modeling jobs. There are a few alternative paths you can take in order to find a modeling job for you. The photographer will earn about the same as a model by the hour or day of shooting. This is usually anywhere from $ upwards depending on your experience and skills. You can also get paid extra bonuses for working in difficult situations and conditions. Modeling agents will get paid a commission from each model’s job. This fee varies from agent to agent, but is usually between 10 and 20 percent. Sep 17,  · Steered by fashion's fickle whim, the best modeling agencies are always looking for new talent, and for an aspiring model, the right agency can make a career. Signing to a reputed agency can be a gateway to editorial shoots that bolster a model's portfolio, not to mention catwalk opportunities and advertising campaigns.