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If you’ve never had this thought, congratulations, skip this article and move on because you’re already part of ‘The Enlightened’ few.If however, you have ever thought this way, or do think like this, this article will aim to help alleviate an issue that often plagues photographers, and one that can be the cause of both financial and creative stress

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The most common way to calculate gearing ratio is by using the debt-to-equity ratio, which is a company’s debt divided by its shareholders’ equity – which is calculated by subtracting a company’s total liabilities from its total assets