Home » Photography General Tips

Category Archives: Photography General Tips

Travel Specifics
Home | Contact | Site Map

What is A.M. Best Ratings and Why Should You Care? Ratings Explained

Everyone asks “What is A.M. Best ratings?”, a question that only A.M. Best knows the answer to. If you’ve been wondering what they mean, look here!

Source: goodfinancialcents.com

What Is A Contingent Beneficiary?

A contingent beneficiary is a person, estate or trust that receives the assets of a person who dies if the primary beneficiary, for any reason, cannot receive the assets.

It is commonly recommended by attorneys when their clients are making a will to have at least one contingent beneficiary.

It is possible to have several contingent beneficiaries and they can be listed in a specified order.

After a person dies, his or her assets will usually go through probate. The probate process can be avoided and the assets more efficiently passed to the heirs if primary and contingent beneficiaries are named.

While the contingent beneficiary is one of the most important factors of the life insurance policy process, it’s typically one of the most confused and misunderstood. Any mistakes or misunderstandings can lead to a lot of problems down the road that can cause major headaches for your loved ones.

Why It’s Important To Name Contingent Beneficiary

There are a few key reasons why it’s important to name a contingent beneficiary.

Beneficiaries take precedence over wills

If a beneficiary is assigned to a bank account, that beneficiary has the rights to that account after the owner’s death even if the will states the assets in that account should go to someone else.

Contingent beneficiaries can also be assigned to retirement plans, annuities, and life insurance policies

There will be one primary beneficiary on the policy. This is usually a spouse or partner. They receive the proceeds from the policy upon the death of the policyholder. If a contingent beneficiary is named such as a child or other family member or friend of the deceased and the primary beneficiary cannot receive the proceeds, it will pass to the person next in line.

Electing a contingent beneficiary in wills as well as in insurance policies is a simple way of making sure the surviving loved ones are cared for if the primary beneficiary is incapable of doing so.

Provides a way to donate to a special cause or charity

It is also a way to donate to a special cause or charity after the death of the policyholder. The disposition of assets is not complicated by unforeseen events such as the death of the prime beneficiary.

For example, if a will gives all the deceased’s assets to the spouse as the prime beneficiary, but the spouse is incapable of managing the assets, they can be given to the contingent beneficiary, who may be an adult child, on the condition that the child cares for the spouse during their lifetime. After the spouse dies, the assets can go to the child.

Ads by Money. We may be compensated if you click this ad.Ad
Find the Best Life Insurance Company for You
Click your state to get matched
HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas

Get Started

Circumstance Where A Second Beneficiary Makes Sense

There may be circumstances or stipulations that must be met before a contingent beneficiary may inherit the assets. The contingent beneficiary may need to finish college, reach a certain age or kick a drug habit, and only then they will receive the assets.

A policyholder and their primary beneficiary may die at the same time. This could happen in a car accident or natural disaster. If a contingent beneficiary has been named, the transfer of assets will be easier.

The next in line is usually someone who is financially dependent on the policyholder, but if there is no one dependent, the contingent beneficiary can be anyone else or a charity or cause. It is not advised to make the estate the contingent beneficiary of an inexpensive life insurance policy because the proceeds would be subject to the deceased’s creditors. Life insurance proceeds paid to a person are not usually subject to creditors.

If the primary beneficiary is the spouse, the contingent beneficiary may be a minor child. Consideration needs to be given as to who will manage the assets until the child reaches 18 or 21 years.

It is recommended to assign two guardians for the children including one guardian to manage the money and one guardian to look after the well-being of the child.

In policies from some of the best term life insurance companies, a person can assign a primary beneficiary, a contingent beneficiary, and a tertiary beneficiary. This is another kind of contingent beneficiary and only receives assets or proceeds from the estate or insurance company if all the primary and contingent beneficiaries are unqualified to receive the benefits or are deceased.

When a contingent beneficiary wants to claim assets, they need to provide a certified death certificate for the prime beneficiary and any other contingent beneficiaries that precede them on the list of succession as well as valid personal identification.

Each insurance company might require different documentation depending on their standards. When you name a secondary beneficiary, you need to ask what the requirements are going to be.

Consequences For Not Naming Beneficiaries

There are a few consequences for not naming beneficiaries.

Insurance proceeds could be subject to huge estate taxes

Insurance proceeds could be subject to huge estate taxes if the policyholder names the spouse as sole beneficiary and there is no contingent beneficiary. If the insured outlives his or her spouse, by a few days if they are both in a car accident, the proceeds will pass to the estate incurring huge unnecessary taxes.

If you don’t name a beneficiary, your other family members or loved ones can lose thousands and thousands of dollars because of the taxes that are going to be placed on the payout from the policy.

Your loved ones may struggle to get the money you left them

The other problem is that your loved ones could struggle to actually get their hands on the money itself. Without naming a contingency, the company is going to have to determine who the money should go to, depending on your family situation, this could cause a lot of problems and delays.

ALWAYS Name a Contingent Beneficiary 

contingent beneficiary is a safety feature and a control device. It is the most practical way to control the future distribution of wealth. It’s a simple thing today, but not something that should be decided on lightly. You should spend a lot of time determining who your beneficiary should be.

It’s also something that you should continue to maintain. There are dozens of different life changes that could impact who you would want to name as your beneficiary, which means that once you’ve named the primary beneficiary, it could change years down the road. Don’t forget to look back at your policy and ensure that the beneficiary is still the valid recipient and the best choice for the policy payout.

Life insurance is the most important investment that you’ll ever make for your family and loved ones. You may ask yourself at what age should I get life insurance policy, of course, we recommend the younger the better because the more you age the more risk you are to having health problems, which will increase your premium rates. Purchasing life insurance at age 20 versus purchasing life insurance over the age of 50. Tomorrow is not the day to start your life insurance application.  Begin the process today!

Contingent Beneficiary Review

Time for the pop quiz! Hopefully, you know exactly what a contingent beneficiary is at this point. Not only should you know what it is, but hopefully you understand why YOU should name one.

If you want to learn more about life insurance or naming a contingent beneficiary, we researched and wrote about the process of getting life insurance. We are ready to answer those questions and ensure that you’ve got the best life insurance to fit your needs.

The post What Is A Contingent Beneficiary? appeared first on Good Financial Cents®.

Source: goodfinancialcents.com

20 Money-Saving Auto Insurance Discounts

If you own a car or truck, you know it can be expensive. Your loan payment, ongoing maintenance, fuel, taxes, and auto insurance can take a big chunk of your budget. According to a 2019 AAA study, the average cost to own and operate a new vehicle was $9,282 per year.

When you consider just auto insurance, the most recent data from the Insurance Information Institute shows that the average cost is $936 per year nationwide. However, where you live significantly affects your rate. New Jersey drivers pay the most, $1,309, and Iowa drivers pay the least, $628 per year.

Many personal attributes get factored into your base car insurance rates that you can't change. They include where you live, if you’re a homeowner, your age, gender, marital status, and credit rating.

Insurance savings are available, but many policyholders don’t know what discounts exist or that they need to ask for them.

However, when it comes to getting auto insurance discounts, you have more control. Insurance savings are available, but many policyholders don’t know what discounts exist or that they need to ask for them.

In this post, we’ll review 20 auto insurance discounts that can easily save you money. What’s available depends on your insurer and the state where you live.

But even if you only qualify for a few insurance discounts, they can add up. Then you can put your savings toward something more rewarding, such as taking a vacation or boosting your emergency fund.

20 Money-Saving Auto Insurance Discounts

See how many of the following discounts you qualify for.

1. Safe Driver Discount

Your driving history plays a significant role in how much you pay for car insurance. It makes sense that auto insurers love safe drivers and are willing to reward them for being claim-free.

If you have a clean record with no moving violations or at-fault accidents over the past three to five years, most insurers typically give you a nice discount.

Potential savings: 10% to 20%.

2. Educated Driver Discount

But what if you don’t have a squeaky-clean driving record? You may be able to redeem yourself by passing an in person or online defensive driving course. Insurers know that boosting your education and skills can make you a better driver.

Potential savings: 5% to 15%.

3. Affiliation Discount

Did you know that belonging to a particular group can qualify you for a car insurance discount? Depending on your insurer, it’s likely that they have hundreds of different partner organizations that allow members to get a break on the cost of car insurance.

They may include alumni associations, education organizations, certain fraternities or sororities, honor organizations, and recreational groups.

Potential savings: 5% to 10%.

4. Occupation Discount

There are also auto insurance discounts if you work in specific industries or occupations, such as being in the military, a teacher, medical professional, or government employee. Also, members of professional associations, such as unions and state bar associations, often qualify for reduced rates.

Potential savings: 5% to 15%.

5. Good Student Discount

An often-overlooked car insurance discount is for students who make good grades. You typically qualify if you’re in high school, college, or graduate school (up to age 26) and have at least a “B” average.

Insurers consider good students less of a risk when they’re behind the wheel. So, parents shouldn’t miss the opportunity to make it more affordable to insure their young drivers.

Potential savings: 10% to 25%.

6. Distant Student Discount

Another way to cut the cost of insurance for students who live away from home, no matter their grades, is to request a distant student discount. It applies if a student lives at least 100 miles away from home and doesn’t have an insured vehicle with them on campus. They’ll be covered when they come home for breaks, but at a reduced rate.

Potential savings: 5% to 25%.

7. Low Mileage Discount

Maybe you’re driving less for a new job or keeping a car in the garage more often. If your driving patterns change, be sure to let your car insurance company know. Vehicles that are on the road less have fewer claims, and that earns you a substantial insurance discount.

Potential savings: 5% to 15%.

8. Usage-Based Discount

Many insurers offer usage-based insurance or UBI, which adjusts your rate based on how you drive. Data may be collected using a device that you keep in your vehicle or that gets reported from a smartphone app.

UBI programs evaluate different driving behaviors such as the time of day you drive, your average speed, how hard you brake and corner, and your mileage. If you’re considered a safe driver, your discount gets applied at renewal.

Potential savings: 5% to 40%.

9. Loyalty Discount

Every auto insurer wants to retain existing customers and give you every reason not to switch. Being loyal to one company for at least a few years often results in substantial savings.

Potential savings: 10% to 25%.

10. Multi-Car Discount

If you have more than one vehicle in your household, insuring all of them with the same company usually gives you a multi-car discount. Insurers offer incentives to make sure they get as much of your business as possible.

Potential savings: 10% to 25%.

11. Bundling Discount

In addition to insuring more than one vehicle, getting different types of coverage with the same insurer is known as bundling or a multi-line discount. Many insurers cover more than just cars. You could get auto and homeowner, renters, or life insurance with the same company and score savings.

Potential savings: 5% to 15%.

12. Paperless Discount

Some insurers offer a discount if they don’t have to mail paper documents, such as your policy description and bills. Merely electing to be a paperless customer can qualify you for a small discount. You can get your information by email or an online account.

Potential savings: 3% to 5%.

13. Full Payment Discount

Instead of making monthly or semi-annual auto insurance payments, paying your entire annual premium upfront may qualify for savings.

Potential savings: 5% to 10%.

14. Automatic Payment Discount

Also, signing up for automatic premium payments using automatic withdrawals from your bank account can help you save a small amount.

Potential savings: 3% to 5%.

15. Online Quote Discount

Some auto insurers offer a discount if you sign up for a policy after getting an online quote. You could shop directly on a carrier’s website or an aggregator site, such as Bankrate.com.

Potential savings: 5% to 10%.

16. Switching Discount

Just like your existing auto insurer wants to keep you, others want to entice you. A switch or transfer discount is a promotional offer that cuts your rate for a time after you sign up with a new carrier.

Potential savings: 5% to 15%.

17. New Car Discount

If you purchase a new vehicle or one that’s less than three years old, many auto insurers offer a discount. Newer cars typically have modern safety features that reduce the likelihood that you’ll make a claim.

Potential savings: 5% to 10%.

18. Anti-Theft Discount

Car insurance companies want to help you prevent car theft, so most offer discounts for having any device, feature, or system that helps keep criminals away from your car. They could be factory-installed or an after-market product that you install.

Examples of systems that may lower your insurance rate include a GPS-based location system, such as OnStar, or a theft recovery system, such as LoJack. VIN etching, which is a permanent engraving of your vehicle’s identification number on the windshield and windows, may also qualify you for a discount.

Potential savings: 5% to 20%.

19. Safety Features Discount

Cars with modern safety features, such as anti-lock brakes, airbags, and rear-view cameras, are less likely to get in an accident and cost an insurer. So be sure to let them know every on-board safety device in your vehicle.

Potential savings: 5% to 30%.

20. Mature Driver Discount

If you’re at least age 55 and pass an in-person or online defensive driving course, you can qualify for a discount. Insurers know that maintaining good driving skills reduces your risk and makes you less likely to file a claim. Most insurers offer a mature driver discount in many states.

Potential savings: 5% to 30%.

Understanding Auto Insurance Discounts

The savings you get from auto insurance discounts are typically capped. For example, an insurer may only allow a total discount of 40% off your base premium, even if you qualify for multiple discounts.

You don't have to wait until your auto insurance policy is up for renewal to compare quotes.

Also, it’s important to remember that not all discounts are applied to your rate automatically. You may have to ask for discounts that an insurer wouldn’t know you qualify for, such as getting a new job or having a driver in your family who qualifies for a good student discount. And not every insurer may offer all of the discounts we’ve covered.

Auto insurance prices vary from company to company, and they can even change from month to month. You don't have to wait until your auto insurance policy is up for renewal to compare quotes. So, if you haven’t reviewed your car insurance lately or it’s been a while since you’ve shopped policies, you may be leaving money on the table.

Source: quickanddirtytips.com

3 Tips for Finding an Affordable Life Insurance Policy

Life insurance offers protection for your family’s financial security. Many people buy themselves a life insurance policy that will protect their family. It’s also possible for people to purchase life insurance policies for someone else. For example, children can purchase policies for their parents and vice versa.

Life insurance coverage offers valuable financial protection. You need to find a policy that meets your coverage needs and fits your budget. Here are three tips that will help you find the right fit:

Understand Policy Options

Premium rates vary based on the kind of policy you choose. There are two broad categories of life insurance—temporary and permanent.

Temporary life insurance, or term life insurance, offers a death benefit payout if the insured passes away during the timeframe the policy covers.

Policyholders can choose the length of the term and the death benefit amount. Some companies offer additional coverage options, called rides, that can be attached. These range from accelerated death benefit riders to return of premium riders. These additional riders add more value to the policy, which also affects the rates.

Permanent life insurance has its own two categories—whole life and universal life. Both kinds of permanent life insurance accrue cash value over time. The cash value can be used to purchase paid-up additions, pay premiums or be borrowed against.

Like term life insurance policies, policyholders can choose to add additional coverage with riders. Riders vary by company and affect the monthly premium.

Whole life policies typically have the highest premiums because the coverage is permanent, and there’s generally a guaranteed cash value growth rate. Most whole life policies come with high death benefit amounts. Policyholders can choose the amount when they sign up for the policy.

However, for those who need less coverage or only enough to cover funeral expenses, final expense insurance policies are a great option. Final expense insurance is designed for seniors. It’s a type of whole life insurance, but the death benefit amounts are much lower. Because the death benefit is only enough to cover funeral expenses, premiums tend to be lower.

There are a few kinds of universal life insurance policies. The biggest difference with these policies is how the funds are invested. The cash value of variable universal policies is invested in multiple accounts, including stocks and bonds. The cash value of indexed universal policies is invested in indexes, which are diversified investments.

Because there is no guarantee of how the cash value will grow in the investments, universal life insurance premium rates tend to be lower than whole life insurance premium rates.

Work with an independent agent

While the various types of life insurance are common among life insurance companies, not all companies carry every kind. It’s a good idea to know what kind of life insurance policy you want before starting to work with companies.

If you’re not sure what kind of life policy you want, work with a life insurance agentto ensure that you find an affordable policy that meets your coverage needs. A licensed agent can help you through the entire process of selecting and applying for a policy.

Working with a licensed independent agent also has other advantages. The specific terms, riders and premium rates can vary by company. Independent agents sell policies from multiple companies, so they can help you compare similar policies across companies.

An independent agent can help you understand the underwriting process and find a policy that is a good fit for your situation. In addition to comparing coverage and terms across companies, an independent agent can help you compare premium rates.

Working with an independent agent makes the research process easier for you because you don’t have to reach out directly to companies. Instead, you can work with one person to find the best company and rate for you.

Use quote websites wisely

While some people like working with an agent, others may prefer to do independent research. Quote websites come in handy because they make it easy to quickly view your options.

There are many life insurance quote websites to choose from. So, how do you know if you’re working with a good company?

First, it’s important to understand what kind of quote website you’re using. Some websites, like Geico and Progressive, show quotes from multiple life insurance companies. These quotes allow visitors to compare their policy options across companies. However, these companies just show quotes and connect their visitors to companies.

Others, like Bestow, Haven Life and Ladder, only show quotes for the policies they offer. These companies help their clients through the application process, which is another benefit of working with them.

Others, like Quotacy, show quotes from multiple life insurers and help their clients through the application and underwriting process. Quotacy agents even assist their clients in making updates to their policy after they purchase a policy.

Second, it’s important to know what kinds of policies the website shows. Many online tools focus solely on term life insurance. While this is a shared characteristic across many quote websites, each one has its unique features.

For example, Ladder stands out because its policies allow policyholders to adjust coverage during the term as their needs change.

In contrast, other quote websites show quotes for different kinds of permanent life insurance. This is true of many sites that only offer quotes, like Geico and Progressive. Websites that offer more comprehensive services, like Quotacy and Policygenius, also offer quotes for permanent life insurance policies.

Finding affordable life insurance

Life insurance offers valuable financial protection for your family. It can pay off remaining debt, cover funeral expenses and even replace income.

While the protection offered is highly valuable, it’s important to find a plan that fits into your monthly budget. The first step is determining what your needs are and which kind of life policy best meets those needs. From there you can work with an independent life insurance agent and do your research into policies and premium rates offered by different life insurance companies.


Alice Stevens loves learning languages and traveling. She currently manages debt and tax relief, life and health insurance, and car warranty content for BestCompany.com.

The post 3 Tips for Finding an Affordable Life Insurance Policy appeared first on Credit.com.

Source: credit.com

A Guide to Coinsurance and Copays

You often pay your copay when you check in for a visit.

Having health insurance makes it possible to receive medical care while only paying a fraction of that care’s true cost. Insurance doesn’t cover everything, however. Some of the cost of your care is still up to you to pay, and that cost comes in two primary forms: copays and coinsurance.

What Is a Copay?

A copay is a flat amount of money that you’re responsible for paying for a health care service. Copays typically apply for things like a doctor’s appointment, prescription drug or medical test. The amount of your copay is dependent on your specific health insurance plan.

You can typically expect to pay your copay when you check in for your service, be it an annual physical, dental cleaning or blood test. Copays are typically lower amounts ranging from $10 for something like a generic drug prescription to around $65 for a visit to a medical specialist.

Depending on your insurance plan, copays may not take effect until after you reach your deductible. Your deductible is the amount of money you must pay out-of-pocket before your insurance provider starts to pitch in. Deductibles reset at the beginning of every year.

When you are reviewing your plan information and you see the phrase “after deductible” or “deductible applies” in reference to your copays, that’s an indication that the copay is only in place once you meet your deductible. On the other hand, if you see “deductible waived,” that’s a sign that your copay is in place from the beginning. It may go without saying, but the latter situation is vastly preferable to you.

What Is Coinsurance?

Coinsurance is another method of splitting the cost of medical coverage with your insurance plan. A coinsurance is a percentage of the cost of services. You pay the percentage, and your insurance company foots the rest of the bill. So, if you have a $8,000 medical bill and a 20% coinsurance, you would be on the hook for $1,600.

Coinsurance typically only comes into play after you hit your deductible. Further, you may have differing coinsurance percentages for the same services depending on your provider network. If you have a preferred provider organization (PPO) plan, your coinsurance could be a higher percentage for providers outside your network than it is for providers in your network.

Similarly, your coinsurance may not apply to providers outside your network if you have a health maintenance organization (HMO) plan or an exclusive provider organization (EPO) plan. That’s because these plans typically don’t provide any out-of-network coverage.

Copay vs. Coinsurance

You likely pay a copay when you visit the doctor.

Copay and coinsurance are very similar terms. They both have to do with portions of the cost of your health care that’s under your responsibility. Because of that, and their similar names, it’s easy to confuse the two. There are a couple of important distinctions to keep in mind, however.

The most notable difference between copays and coinsurance is that copays are always a flat amount and coinsurance is always a percentage of the cost of the service. Another difference is that some copays can be in place before you hit your deductible, depending on the specifics of your plan. With coinsurance, you have to hit your deductible first.

Bottom Line

copays are fixed amounts, while coinsurance is a percentage.

If you’re choosing between health insurance plans, make sure to examine the provided copays and coinsurance for each option. While they may not be the most important factor to consider, a high copay can be quite a pain, especially over the course of years of appointments and procedures.

Tips for Staying on Top of Medical Expenses

  • One of the best ways to stay ahead of surprise medical expenses is to have an emergency fund in place for just such a situation. If you can manage it, have three to six months worth of expenses stashed away in a high-yield savings account. That way, if you’re dealing with medical bills or have to step away from work, you’ll have a bit of a cushion.
  • If you’re not sure how an unexpected medical expenses would fit into your finances, consider working with a financial advisor to develop a financial plan. Finding the right financial advisor that fits your needs doesn’t have to be hard. SmartAsset’s free tool matches you with financial advisors in your area in 5 minutes. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.

Photo Credit: ©iStock.com/DuxX, Â©iStock.com/SARINYAPINNGAM, Â©iStock.com/Aja Koska

The post A Guide to Coinsurance and Copays appeared first on SmartAsset Blog.

Source: smartasset.com

How to Avoid the Financial Blunders People Make in Their 20s

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

Nobody is perfect when it comes to their finances — even millionaires slip up sometimes.

So when you start to think you’re worse off than your parents, or your nephew, or your friends, remember that all 20-somethings have made mistakes that can cost them big time.

But if you’re guilty of making some of these blunders, don’t fret. You can still redeem yourself! Here are some of the worst blunders you can make, and tips to help dig you out of the hole.

Blunder No. 1: Not Getting Free Gift Cards When You Shop

What do you usually do with your receipts? You check out, they hand you a mile-long piece of paper, and you frantically stuff it to the bottom of a grocery bag. Pretty worthless.

But a free app called Fetch Rewards will turn them into gift cards. It partners with tons of brands to give you points for every grocery receipt you share. Then you can exchange them for gift cards to places like Amazon, Walmart, Chipotle and dozens of other retailers.

And it’s perfect for those of us who don’t want to put a ton of work into this. All you have to do is send Fetch a photo of your receipt, and it does everything for you. No scanning barcodes or searching for offers — and you can use it with any grocery receipt.

When you download the app, use the code PENNY to automatically earn 2,000 points when you scan your first receipt. Then start snapping photos of your recent receipts to see how many points you can earn without a single trip to the store!

Not so bad for a useless receipt, right?

Blunder No. 2: Not Earning Anything On Your Savings

You’ve probably heard the best way to grow your money is to stick it in a savings account and leave it there for, well, ever. That’s bad advice.

But maybe you’re just looking for a place to safely stash it away — but still earn money. Under your mattress or in a safe will get you nothing. And a typical savings account won’t do you much better. (Ahem, 0.05% is nothing these days.)

But a debit card called Aspiration lets you earn up to 5% cash back and up to 20 times the average interest on the money in your account.

Not too shabby!

Enter your email address here to get a free Aspiration Spend and Save account. After you confirm your email, securely link your bank account so they can start helping you get extra cash. Your money is FDIC insured and they use a military-grade encryption which is nerd talk for “this is totally safe.”

Blunder No. 3: Paying Too Much Interest To Credit Card Companies

If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates. But a website called AmOne wants to help.

If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

It takes two minutes to see if you qualify for up to $50,000 online. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

Blunder No. 4: Paying Too Much For Car Insurance

When’s the last time you checked car insurance prices?

You should shop your options every six months or so — it could save you some serious money. Let’s be real, though. It’s probably not the first thing you think about when you wake up. But it doesn’t have to be.

A website called Insure.com makes it super easy to compare car insurance prices. All you have to do is enter your ZIP code and your age, and it’ll show you your options.

Using Insure.com, people have saved an average of $540 a year.

Yup. That could be $500 back in your pocket just for taking a few minutes to look at your options.

Blunder No. 5: Thinking You Don’t Have Enough Money To Invest

Take a look at the Forbes Richest People list, and you’ll notice almost all the billionaires have one thing in common — they own another company.

But if you work for a living and don’t happen to have millions of dollars lying around, that can sound totally out of reach.

But with an app called Stash, it doesn’t have to be. It lets you be a part of something that’s normally exclusive to the richest of the rich — on Stash you can buy pieces of other companies for as little as $1.

That’s right — you can invest in pieces of well-known companies, such as Amazon, Google, Apple and more for as little as $1. The best part? If these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends.1

It takes two minutes to sign up, and it’s totally secure. With Stash, all your investments are protected by the Securities Investor Protection Corporation (SIPC) — that’s industry talk for, “Your money’s safe.”2

Plus, when you use the link above, Stash will give you a $5 sign-up bonus once you deposit $5 into your account.*

Blunder No. 6: Assuming Life Insurance Is Expensive And Time Consuming

Have you thought about how your family would manage without your income after you’re gone? How they’ll pay the bills? Send the kids through school? Now’s a good time to start planning for the future by looking into a term life insurance policy.

You’re probably thinking: I don’t have the time or money for that. But your application can take minutes — and you could leave your family up to $1 million with a company called Bestow.

Rates start at just $16 a month. The peace of mind knowing your family is taken care of is priceless.

If you’re under the age of 54 and want to get a fast life insurance quote without a medical exam or even getting up from the couch, get a free quote from Bestow.

1Not all stocks pay out dividends, and there is no guarantee that dividends will be paid each year.

2To note, SIPC coverage does not insure against the potential loss of market value.

For Securities priced over $1,000, purchase of fractional shares starts at $0.05.

*Offer is subject to Promotion Terms and Conditions. To be eligible to participate in this Promotion and receive the bonus, you must successfully open an individual brokerage account in good standing, link a funding account to your Invest account AND deposit $5.00 into your Invest account.

The Penny Hoarder is a Paid Affiliate/partner of Stash. 

Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk. 

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Source: thepennyhoarder.com

Nikon Product Photography Lens

May 21, 2019  · I currently own the Nikkor 55mm f3.5, Nikkor 60mm f2.8D, 50mm F1.8D, as well as some older vintage lenses will update. I currently own a Nikon D600, Nikon SB700, and Interfit Honey Badger 320Ws light. I want to practice then offer product photography as a service.

Entry-level DSLRs offer the perfect launching point into a (healthy) photography addiction — and budding photographers can build a two-lens kit for one of the cheapest prices we’ve spotted. Currently, …

Canon Lenses Savings Up-To $300.00 savings: Canon EF 16-35mm f/2.8 II USM Lens https://www.bhphotovideo.com/c/product/486708-USA/Canon_1910B002AA … As the world’s largest source of photography …

Product Photography - Choosing the right lens The Nikon Z 7 was certainly the star … to the adapter when switching to a legacy lens was also a bit annoying. However, …

Best Type Of Lens For Landscape Photography Wedding Day Photography List Best Starter Photography Camera Nikon D500 Bird Photography Best Hashtags For Photography The algorithms that govern the platform, and its community culture, can often be disappointing privileging those using trending hashtags … the best of both worlds, 500px is a photography website … technical photography hashtags. These technical photography hashtags relate to the content of your upload and how its been shot. Whether it’s a hashtag highlighting the style of capture, the editing tools used, or even describing the composition, this is the next level up for photography hashtags … In their 2019 Photographer’s Guide to

We’ve gone through our reviews index to figure out what items are best; here is some of our current favorite gear that you …

Photography Image Release Form A Photo Release Form allows an individual or photographer to obtain consent from the other party in order to use photographs for personal or commercial use.The releasing party, the “releasor,” can choose to give away the rights to the images for free or charge a fee or royalty. In the case where there is payment involved, the rights of ownership to the images … Best Type Of Lens For landscape photography wedding day photography list Best Starter photography camera nikon d500 Bird Photography Best Hashtags For Photography The algorithms that govern the platform, and its community culture, can often be

Nov 17, 2018  · If this lens you’re purchasing is mainly being used for product photography I would look for a 1:1 macro lens in the 90mm to 100mm range. The problem with the 50mm is that you can’t focus close enough for most small products and the working distance is usually to close to the product to allow you to work around it.

Product supported on glass for no shadows. (shot of the Nikon 300mm F/2.8 ED-IF setup made with fisheye lens and Hemi plugin) THis setup shown wasn’t very good because the leopard-print and yellow towels kicked yellow and orange onto the product. I now pull the subject right up to the lights and support the glass with white pillows. Light is art.

Nov 05, 2018  · I currently own the Nikkor 55mm f3.5, Nikkor 60mm f2.8D, 50mm F1.8D, as well as some older vintage lenses will update. I currently own a Nikon D600, Nikon SB700, and Interfit Honey Badger 320Ws light. I want to practice then offer product photography as a service. … What lens for product photography In reply to …

Baby With Parents Photography Photography Image Release Form A Photo Release Form allows an individual or photographer to obtain consent from the other party in order to use photographs for personal or commercial use.The releasing party, the “releasor,” can choose to give away the rights to the images for free or charge a fee or royalty. In the case where there is payment involved, the rights of ownership to the images … Best Type Of Lens For landscape photography wedding day Photography List Best Starter photography camera nikon d500 bird photography Best Hashtags For Photography The algorithms that govern the platform, and its community

Baby With Parents Photography

Photography Image Release Form A Photo Release Form allows an individual or photographer to obtain consent from the other party in order to use photographs for personal or commercial use.The releasing party, the “releasor,” can choose to give away the rights to the images for free or charge a fee or royalty. In the case where there is payment involved, the rights of ownership to the images … Best Type Of Lens For landscape photography wedding day Photography List Best Starter photography camera nikon d500 bird photography Best Hashtags For Photography The algorithms that govern the platform, and its community culture, can often be

Find and save ideas about Newborn parents photography on Pinterest. See more ideas about Baby shots, Pixel photography and Smiling photography.

Kim Kardashian‘s first picture of her newborn baby son Psalm with husband Kanye West via surrogate didn’t come without …

Photographing a newborn and parents together is my favorite during the newborn photo shoot. I love the connection between parents and their brand new baby. It gives perspective on how small newborn babies are and reflects the purity of parents’ love for their newborn…

But let’s say that you and your spouse happen to both be automotive enthusiasts and you decide that car parts are just as …

Best Type Of Lens For Landscape Photography Wedding Day Photography List Best Starter Photography Camera Nikon D500 Bird Photography Best Hashtags For Photography The algorithms that govern the platform, and its community culture, can often be disappointing privileging those using trending hashtags … the best of both worlds, 500px is a photography website … technical photography hashtags. These technical photography hashtags relate to the content of your upload and how its been shot. Whether it’s a hashtag highlighting the style of capture, the editing tools used, or even describing the composition, this is the next level up for photography hashtags … In their 2019 Photographer’s Guide to

The AAP recommends that parents and caregivers “place the baby on his or her back on a firm sleep surface … @kanyewest Just …

Mike Kelley Real Estate Photography In a 1993 review of Mike Kelley’s major solo show at the Whitney Museum of … celebrity style, and high-end real estate as well as access to print features and images from the AD archives. … Photography is commonly used to sell, document, and advertise buildings, homes, and spaces – join Mike Kelley for an introduction to the fundamentals of real estate and architectural photography and how it can bolster your photography business. Four years ago we filmed Where art meets architecture: How To photograph real estate, Architecture and Interiors Tutorial, and it has been the most successful tutorial Fstoppers

An undated courtesy photo of Skylah . The 6-month-old was found alive alongside the bodies of her parents in a Whitehall-area …

Mar 23, 2014  · 29 Photos Every Parent Must Get Of Their Baby. Make sure your baby book rocks. Posted on March 23, 2014, 14:08 GMT … There are lots of photo ops when your baby is …

Baby and Parents photo shoot ideas “You are, and will be, the best parents any baby could hope for … In a heartwarming caption next to the photo, actor Joe, …

Digital Photography Editing Software Edison, NJ — (SBWIRE) — 04/04/2019 — A new business intelligence report released by HTF MI with title "Global photo editing software Market Research Report 2011-2023" has abilities to raise as the … This easy-to-use photo editing software that can elevate your amateur photos to a … Some of these features include removing … Best Starter Photography Camera Nikon D500 Bird Photography Best Hashtags For Photography The algorithms that govern the platform, and its community culture, can often be disappointing privileging those using trending hashtags … the best of both worlds, 500px is a photography website … Technical Photography Hashtags.

[embedyt]//www.youtube.com/embed/8zKzcWx8B2I[/embedyt]

Photography Image Release Form

A Photo Release Form allows an individual or photographer to obtain consent from the other party in order to use photographs for personal or commercial use.The releasing party, the “releasor,” can choose to give away the rights to the images for free or charge a fee or royalty. In the case where there is payment involved, the rights of ownership to the images …

Best Type Of Lens For Landscape Photography Wedding Day Photography List Best Starter photography camera nikon d500 Bird Photography Best Hashtags For Photography The algorithms that govern the platform, and its community culture, can often be disappointing privileging those using trending hashtags … the best of both worlds, 500px is a photography website … technical photography hashtags. These technical photography hashtags relate to the content of your upload and how its been shot. Whether it’s a hashtag highlighting the style of capture, the editing tools used, or even describing the composition, this is the next level up for photography hashtags … In their 2019 Photographer’s Guide to
Mike Kelley Real Estate Photography In a 1993 review of Mike Kelley’s major solo show at the Whitney Museum of … celebrity style, and high-end real estate as well as access to print features and images from the AD archives. … Photography is commonly used to sell, document, and advertise buildings, homes, and spaces – join mike kelley for an introduction to the fundamentals of real estate and architectural photography and how it can bolster your photography business. Four years ago we filmed Where Art Meets Architecture: How To photograph real estate, Architecture and Interiors Tutorial, and it has been the most successful tutorial Fstoppers

If you need photo release form template – visit our site! … 53 FREE Photo Release form templates [word, PDF] … in which the latter party provides consent to the photographer to use the image for whatever reasons, personal or otherwise. The model release form is slightly different. It is a form produced by …

1. Model release vs photo release form Is a model release form different than a photo release form? The short answer is yes, they are very different. As we mentioned, a photo release form is a document signed by the photographer and given to the talent or client so they can print copies of the work.

DJI Press Release DJI Osmo Action Camera Captures Every … edge answer to what the creative community demands. Exceptional …

Photography & subject consent forms / waivers To image larger samples with the required optics … Photometrics maintains its leadership role with the release of its Prime camera platform, providing researchers with the first Scientific CMOS …

The case of a BJP Yuva Morcha functionary being arrested in West Bengal for sharing a morphed image of Chief minister mamata banerjee … while ordering her immediate release, did not recognise …

Best Type Of Lens For Landscape Photography

Wedding Day Photography List Best Starter Photography Camera Nikon D500 Bird Photography Best Hashtags For Photography The algorithms that govern the platform, and its community culture, can often be disappointing privileging those using trending hashtags … the best of both worlds, 500px is a photography website … technical photography hashtags. These technical photography hashtags relate to the content of your upload and how its been shot. Whether it’s a hashtag highlighting the style of capture, the editing tools used, or even describing the composition, this is the next level up for photography hashtags … In their 2019 Photographer’s Guide to Instagram Hashtags, photography platform

The lenses we will take a look at today are made for just these types of situations. They are weather sealed to the nines, and they will do just fine in a downpour. Landscape photography is an …

Digital Photography Editing Software Edison, NJ — (SBWIRE) — 04/04/2019 — A new business intelligence report released by HTF MI with title "Global photo editing software Market Research Report 2011-2023" has abilities to raise as the … This easy-to-use photo editing software that can elevate your amateur photos to a … Some of these features include removing … Best Starter Photography Camera Nikon D500 Bird Photography Best Hashtags For Photography The algorithms that govern the platform, and its community culture, can often be disappointing privileging those using trending hashtags … the best of both worlds, 500px is a photography website … Technical Photography Hashtags.

Nov 19, 2017  · User Characterization: Ordinary travel – by bike or car or plane -doesn’t prevent you from taking many of the lenses we have recommended here.But there’s one kind of travel which places serious demands on the weight of your equipment. Hiking for many days, taking your accomodation and food on your back.Or even (In the style that many European outdoor photography enthusiasts may be used …

A digital single-lens reflex camera (digital SLR or DSLR) is a digital camera that combines the optics and the mechanisms of a single-lens reflex camera with a digital imaging sensor, as opposed to photographic film.The reflex design scheme is the primary difference between a DSLR and other digital cameras. In the reflex design, light travels through the lens, then to a mirror that alternates …

Kim Possible Photography Class Your browser does not fully support modern web standards and might not be able to display this website. We recommend using Chrome, Firefox or any other modern browser … Together, Danielle and Kim, a personal trainer and fitness model, hit the sidewalks of downtown LA several times a week. Here’s how they make every run a social occasion. Getting Started Image Source: … Do not remember me on this computer. Forgot Username or Password? Sign Up Porn Comics. XXX Comics – Big collection of Cartoon Sex Comics – more than 1800 adult comics. Enjoy the best hentai porn comics site!

3 ESSENTIAL lenses for landscape photography (and how to use them) After receiving thousands of submissions to Shotkit by wedding photographers from around the world, I’m in a good position to show what is currently the best wedding photography gear, and what are arguably the best cameras for wedding photography.

Mike Kelley Real Estate Photography In a 1993 review of Mike Kelley’s major solo show at the Whitney Museum of … celebrity style, and high-end real estate as well as access to print features and images from the AD archives. … Photography is commonly used to sell, document, and advertise buildings, homes, and spaces – join Mike Kelley for an introduction to the fundamentals of real estate and architectural photography and how it can bolster your photography business. Four years ago we filmed Where Art Meets Architecture: How To photograph real estate, Architecture and Interiors Tutorial, and it has been the most successful tutorial fstoppers

This type of hardware is called a camera lens … If you follow along below, we’ll show you the best macro lens’ that you can …

We rounded up the best landscape lenses for you, from Canon and Nikon to Sony … beginners looking to improve their technical skills in various photography styles and try out different types of …

Landscape photography, like every other subject … But with both f/4 and f/2.8 versions of this type of lens available, what’s the best option for you? Most 16-35mm lenses, regardless of whether …

1. Rokinon 14mm F2.8 Ultra Wide Angle Lens. Rokinon is a South Korean manufacturer who produces some great value lenses that are compatible with different cameras.. Confusingly, Rokinon also goes by the names Samyang and Bower in different markets and can sometimes offer the same lenses under different names.. For example, the Samyang 14mm and Rokinon 14mm lenses can sometimes both …

The photo above shows how it works. This technique works well if you have a lens with a manual aperture ring. Depth-of-field decreases as you get closer to your subject, and at the high magnifications obtained by reversing a 50mm lens, you need to stop down to increase the zone of sharpness.

Of course, as any sub-genre of photography, it has its nuances and approaches to make it work." Gorlin’s desert landscape guide is broken up into 10 sections, including discussions about preparation, …