Skilled photography consists of many fields such as photography for documentation, merchants, services and industries. Skilled photography practices tend to spread larger than the relatives portraits studio. The result of a skilled photography service should be equal, consistence and well processed. Photograph in studios, newspapers, advertisements and even other business companies occupy skilled photographer to create productions of photography.IdentificationReliable, qualified results describe skilled photography. A skilled photography is able to create images through creative lighting patterns. Apparent, quick images which combine with color and diffusion become the character of skilled photography.The work and affectation should look so lovely. The display of the subjects, focus on exact background and even foreground elements which should be visible. Another one is, color coordination, the combination of shapes and harmonizing of texture should be apparent. Especially, the images should look so natural, and interesting, not to look so monotone and boring.Imaginative expression may split with these methods. Therefore, the photograph must be focused on, get intrinsic impression and has been practiced with procedural need. These compositions can be categorized as skilled one. In this case, the intensity of qualified photography must be flexible with the artist.AdvantagesSkilled photography services and also the other compositions related to art itself should present the customers a further confirmation about the value and reliability. Higher demands from the customers happen when a skilled photographer is cooperating well with the qualified photography itself.FeaturesInspiring interest, production, modeling, complexion and accurate look are the choices must be suitable and owned by a skilled photographer and also photography service. Skilled photographers that present digital services can apply photo editing software in order to take out the marks through the backgrounds or combine with many photos together. The color photograph can be highlighted, change black and white, sepia toned or perhaps partially highlighted.A good assurance, well arrangement photographs can be created by a skilled photographer. A standard camera user ca not create such a constant results, or suggest many imaging choices which have been owned by skilled photographer.TypeThe photographers’ photograph collection people, pets, and other objects. Photojournalists documentation events for news and other Medias available. The photographers’ document record turn many times depend on the photographs. The cooperation of the photographers in advertising and marketing toil with the photographic companies for the display of the companies’ best products, services and feature.Photographers’ style related to the models, hairstylists make up artists to make photographs for customers that variety from fashion to groceries products. A corporate document business of photographer growth creates photographs for annual reports, business promotional materials and does portraits of key business professionals.EffectsThe development and the change of skilled photography documents with a qualified product are able to produce memories by defending milestone and supplying illustration documentation for private, relatives, trading or good.Expert InsightSkilled photographers apply SLR, or single lens reflex, style cameras. Partially may apply the medium or large layout cameras when the duplicate of images will go further for domestic prints like billboards. The similar lenses are applied with the cameras to make a various looks in photography. Telephoto lenses let the skilled photographer to take the picture from far away. Another is wide angle lenses that let the skilled photographers to apply in tight atmosphere. Studio lighting, external flash units, backdrops and reflectors are also applied by the skilled photographers.
Monthly Archives: April 2023
How Smoking Impacts Your Health Insurance Policy
It’s a well-known fact that smoking causes an adverse effect on your health. You must have seen the warning message on all cigarette boxes – ‘Smoking is injurious to health’. Smoking tobacco is a root cause of 30% of all cancer deaths and causes 16 times higher risk of heart attack.There are almost 120 million smokers in India. As per World Health Organization, India accommodates around 12% of the world’s smoking population. The number of men smoking tobacco has increased from 78 million in year 1998 to 108 million in the year 2015. Tobacco consumption is accountable for the death of 6 million people each year. Direct tobacco consumption accounts for over 5 million deaths and 0.6 million deaths are due to exposure to second-hand smoke. Considering serious public health risks, the Government has banned smoking in public places from 2nd October, 2008.Not only your health, it also causes you to pay higher premiums for a health insurance policy, due to increased health risks and shorter life expectancy. A nonsmoker however, gets premium discounts as a reward to lead a healthy lifestyle. Being a smoker, it is advisable not to hide your smoking habit from your health insurance company, as it helps you to cover the smoking-related health issues.There is a wide curiosity among people, how smoking impacts the health insurance and its cost. Let’s educate yourself about smoking and its impact on health insurance policy.Smoking – What It IncludesSmoking includes inhalation of of the smoke of burning tobacco in the form of cigarettes, cigars and beedi. Whether you are an occasional smoker or frequent smoker, you will be considered as a smoker under the health insurance policy.Smokers can buy health insurance, however an insurance company may charge extra premium or reject your application for insurance, depending on the number of cigarettes you smoke on a regular basis. A smoker may also have to go through additional health check-ups that can help an insurance company to ascertain the risk factor and then charge the premium amount accordingly.How Smoking Affects Your Health and Insurance PremiumSmoking makes the serious impact on your health, some of them are detailed below.Circulatory System: Smoking results in increased risk in the heartache and blood pressure. Building up of fatty acids could resulting to atherosclerosis.Immune System: Smoking results in severe and long lasting illnesses. Smokers are more prone to develop ulcers, cancer, pneumonia, high blood pressure, bronchitis, and other viral/bacterial/fungal infections.Respiratory System: Smoking may damage lung functions and breathlessness. It may cause damage to the air sacs of the lungs, increased chance of developing chronic bronchitis.Oral Health: Smoking can lead to tooth loss, tooth staining, gum disease which may increase the risk of tooth decay.Cancer: Smoking for a long time also causes cancer to various body organs.When it comes to a health insurance policy, an insurance company considers the magnitude of illnesses and deaths caused due to smoking and that’s why, smokers need to pay higher premiums to avail health insurance cover. Typically, the insurance companies charge around 15 to 20 percent higher from a smoker policyholder. Those who smoke would need to undergo additional medical checks, before the insurer issues you the policy.Let’s understand the difference of premium between a smoker and non-smoker individual.Ritesh (non-smoker) at 30 years of age buys an individual health plan with Rs 5 Lacs coverage, for 1 year policy term, the chargeable annual premium amount is Rs 4,656. However, Raj (smoker) is buying an individual health plan, he is charged with an annual premium amount of Rs 7,552. An increase in premium amount is only due to the fact that Ansh lies in the smoker category of premium. We can see Raj is paying Rs 2896 extra on account of smoking.Smoker with Existing Health ProblemsIf you are a frequent smoker that has caused the symptoms of the declining health condition and getting puzzled whether you can get a health insurance. The answer is yes, the only thing required is to make honest and proper disclosures.The insurance company will then assess the risk associated with your profile and then decide on terms & conditions and the premium to be charged for providing you a health cover. The premiums charged will be higher and a waiting period will be applied for covering your pre-existing diseases. Moreover, if you are seeking an immediate coverage on your deteriorating health condition, you may go for a critical illness policy.Conclusion:Smoking makes an adverse impact on your health and your health insurance policy as well. An insurance company will charge you a higher premium in proportion to the risk associated in providing a health cover. An important point to note that you should disclose all relevant information regarding your health and smoking habits. In case, you are found hiding or providing fake information, the insurance company may decline in settling the claims.
Automotive Advertising Agencies Use Social Networks and Search Engine Algorithms to Sell More Cars
Automotive advertising agencies are challenged to provide more for less to serve a consolidating auto industry and today’s Internet has provided them with the media and the methods to do it. Budget conscious consumers are firmly in the driving seat on the Internet Super Highway and auto dealers have directed their marketing messages to their online showrooms vs. their brick and mortar facilities to get their attention. More accurately, they are following their customers onto the World Wide Web and hoping that their past and pending customers will find them there.The days of hard sell retail messages in conventional media like radio, T.V. and newspaper as well as dealer-centric banner ads and websites promoting daily dealer specials are numbered. Today’s car shoppers have been empowered by the search engines to filter out dealer messages in favor of information on exactly the new or pre-owned vehicle they are searching for. In addition, Social networking communities of online friends have rallied their support and opinions to help car shoppers decide what they should buy and from which dealership they should buy it from. After all, what are friends for!The consumers’ new found source of information on the Internet to assist them in their car shopping process hasn’t replaced the need for automotive advertising agencies in the retail auto industry, but it certainly has changed their role in it and the methods that they must use to earn their agency fees. The first adjustment that an automotive advertising agency must make in their business model is to recognize that the internal profits that they used to realize in their radio, T.V. and print production departments can no longer be supported by their auto dealer clients. Reduced sales volume and profit margins on the auto dealers’ side of the table demand a better R.O.I. for every dollar and while these departments are still required to produce digital marketing material for online campaigns the production costs must be a fraction of previous pricing to remain competitive with the newly developing online resources that an auto dealer has access to.The agency must still provide creative that is relevant to the market and they must define the target audience that would be most receptive to it, but once again the World Wide Web has changed the rules and automotive advertising agencies must learn what they are and follow them. Top of the mind awareness is still job one for automotive advertising agencies who understand that they can’t time the buying cycle for everyone on the Internet Super Highway and therefore they must maintain a consistent message across multiple channels to be on the short list when the customer is ready to purchase a vehicle. Diversification across multiple media and frequency of targeted messages to qualified buyers isn’t a new practice but the methods, media and skill sets required to get the job done have changed.Networking and the related referrals and sales sourced from it has been an integral component of internal selling processes for auto dealers since the first vehicle was sold but it has had little to do with conventional advertising — until now that is. Social networking and the related Internet media channels that have grown to support it are now a primary target audience for automotive advertising agencies. Word of mouth advertising has grown exponentially as viral messages travel through social networking channels with the opinions of like minded car shoppers who use these online communities of friends to share their car shopping experiences before, during and after their buying cycle.Initial attempts by automotive advertising agencies to market to these social networks from the outside through the use of banner ads or as wolves in sheep’s clothing trying to invade a network of friends were soundly rejected. Members valued each other’s opinions and shared experiences over a self serving auto dealer or their automotive advertising agency.Monetizing social networking has been a challenge but new technologies that integrate established marketing channels with social networks from the inside out have provided the solution. ronsmap, for example, is a game changing consumer-centric online inventory marketing platform that embeds a social networking engine on their communal site as well as every vehicle posted on it by participating auto dealers. Their application, vBack, provides an Ask-a-Friend / Tell-a-Friend feature that solicits feedback from friends on the various social networks that an online car shopper trusts. These influences then act as agents of the auto dealer — without their knowledge — under the direction of a friend which allows the automotive advertising agency to market from the inside out vs. from the outside in. C2C marketing vs. B2C marketing is the key to monetizing social networking and ronsmap is a new technology based exit on the Internet Super Highway that has opened this new channel to auto dealers.In addition, ronsmap enhances the value of the leads generated from within the social networks by accumulating the information gathered through their SellersVantage application. In addition to the anticipated name, IP address and vehicle information requests their new Intelli-Leads include the online shopping selection and vehicle preferences of the initiating car shopper and the comments accumulated by his online network of friends. These enhanced leads allow the auto dealer to anticipate the needs of their potential customers before they open negotiations with them. As a result, the consumer is provided a more relevant and transparent vehicle selection in response to their initial inquiry and the auto dealer has a competitive edge to quote the best price on the best vehicle for the consumer. This is a win-win scenario that increases closing ratios and profits for the auto dealer while offering the consumer the advantage of the information and referrals he gathered from his online car shopping experience.The internet is far superior to conventional media on many levels and social networking is only one of the newest reasons. Automotive advertising agencies must be prepared to direct their clients beyond marketing through social media. They must also provide more than advice on search engine optimization, S.E.O., search engine marketing, S.E.M. and banner ad placements or transparent and relevant website designs. The search engines hold the key to the Internet and understanding the algorithms that determine the rules of the road on the Internet Super Highway that they control are the responsibility of the automotive advertising agency.Google, for example, has clearly stated the weight that they place on video vs. copy or other means of online digital marketing. Today’s Internet consumer grew up watching television and the explosive growth of YouTube proves that their preference for video has survived onto the World Wide Web. One vendor that has listened to Google and their subsidiary YouTube is SiSTeR Technologies with their Video CarLot platform. SiSTer is able to take the existing pictures and vehicle information posted on an auto dealer’s website and convert them into professionally produced videos.More importantly, their videos are fully index-able with multiple schema layers making them interactive and more transparent to the online car shopper. These videos are placed on the auto dealer’s website as well as any third party advertising sites that the auto dealer is linked to. In addition they are driven through a dedicated API to YouTube with individual URLs that extend the reach and frequency of the dealer’s inventory and marketing messages — a proven formula for success in conventional automotive advertising that also applies to Internet advertising.Automotive advertising agencies are not reinventing the wheel by extending their reach and frequency with consistent messages across multiple channels by leveraging access to social networks or by manipulating the algorithms on the search engines. They are simply applying proven and established advertising wisdoms and best practices to an auto industry that has only one constant — change!