I've found that a huge percentage of art directors, graphic & web designers I talk to are totally clueless about the difference between commercial & editorial usage. They just know they need an image for their client and if it looks good they use it ... not the way it should be but that's reality.

When you're at the property don't forget to look for finer details that local service providers will need for their websites and marketing. For example, heating & cooling companies will need images of central air units, furnaces, duct work and so on. In a nice home you might find tons of background textures on walls, countertops, floors, etc. Look for flaws in the home .. stains in the carpet ( a carpet cleaning company will need these ) .. signs of water damage in the ceiling ( a roofing company needs these ).

As for your client wanting ownership of images, that's normal but it should be for the images you are hired to shoot for them .. not simply every frame you fire off while standing on the property. They should give you a shot list of what they want .. you give them what they paid for and the rest is stock. Common sense .. if they want interior shots of entire rooms then you shouldn't shoot a wide angle of the bathroom and put it on stock. Also if you charge based on time, don't waste their time shooting your stock. Make sure you are still giving the client what they pay for.

cheaper one time fee solution ... go to wal-mart and buy a fireproof safe then head over to BestBuy and pick up an extra external drive.

If I had the choice between elements and LR for my workflow .. I would go to LR without a second thought.

I got a payout last week and it only took a few days .. crestock on the other hand took right under 4 weeks to reach paypal last month LOL

look on the bright side ... at least it's not a surprise