I have spent over a decade cutting out backgrounds from images that will be further manipulated. Originally I learned back in school how to trace it with the pen tool, however anyone who has done this knows very well how difficult things like hair and small bits can be. Here is an incredible time saving tip on how to cut out a background in photoshop with little work using the refine mask setting. Enjoy.
Or any business for that matter.
Most people miss it entirely.