The Differences Between Commercial and Advertising Photography

A professional photographer can find work in the commercial and advertising photography fields. These photographs fields can promote a business, service, or item. There is a difference between advertising and commercial photography. These photography jobs are expected to grow in the next few years.

Commercial Photography

Commercial photographers take pictures of models, merchandise, buildings, and landscapes. These promotional images are used in catalogs, advertisements, reports, and books. Commercial photographs are used in retail, sales, and promotional industries. A commercial photo shoot is devoted to the one main product. The style, lighting, and background are neutral as to not distract from the promotional product.

Advertising Photography

An advertising photographer uses photographs to sell an idea, lifestyle, or concept. These photographers have more creative freedom than their commercial counterparts. Advertising photographers often know the latest trends in business, marketing, layout, and sales. Most advertising campaigns will use this type of photographer.

Tools of the Trade

Advertising and commercial photographers need the latest tools of their trade. Many photographers have a digital camera with multiple lenses. These areas of photography both need a zoom and wide angle lens as well. The wide lenses have a large aperture and faster shutter speed for better creative control. An advertising and commercial photographer needs a tripod, portable light fixtures, and filters to control lens flare. These photographers also need to keep up to date with other advertising campaigns and presentations.

Photography Management

A commercial and advertising photographer spends around 75 percent of the time selling and managing images. Photography software is useful to touch up and manage a large number of photographs. Most professional photographers work with Adobe Lightroom and Adobe Photoshop to process the batches of photos. Commercial and advertising photography requires nearly flawless images. Photo editing software is extremely important to this profession. This software can be used to enlarge images to fit on a poster to a billboard for the promotional period.

If you need commercial advertising photographers, there are many in your local area. These specialty photographers can help promote your next idea or product.…

Health Insurance

The world of health and life insurance is not based in a few huge corporations as some believe. At a level equal, and possibly above, are those involved in the captive insurance industry. And for many large and small corporations, this form of insurance can simultaneously save and earn money for employees and owners.

What is Captive Insurance?

It allows employees to become investors and help direct the policies and premiums contained in the captive. When companies cannot inject the initial funds required to run such a program, they can setup micro captives. These require annual written premiums of less than $2.2 million.

Many organization, such as Captive Resources, assist companies in the setup of these insurance programs. They believe it’s a complete solution which can benefit both employees and management.

Here are three reasons why you should establish a micro captive.

Savings and Earning

Instead of giving enormous sums of money to larger insurance corporations, captives save money since the investors are also the participants. Furthermore, as premiums are paid, investors receive dividends which can be put back in the company.

True Control

Insurance programs such as whole life say you have control over certain company decisions. However, this is through a proxy. With captive insurance, investors have true control over the additions and deletions to the program. In addition, they determine the premiums they and others will pay for needed services.


Captive insurance is not a flash in the pan concept. It has been part of the corporate world since the 1950s. It came into prominence during the 1970s during a severe healthcare premium crisis. Since then, captive insurance has become an alternative norm for many organizations looking to take control of their insurance interests.

Those interested in more information on captive insurance, especially micro captives, should do their research. Look into captive companies with a long-standing history. Check out their other clients and see how they have done in their programs. And don’t commit to anything without detailed data on initial investments, programs, and eventual payouts.…

How to Buy Bitcoin and Choose Cryptocurrency Wallets

Many average-level investors interested in cryptocurrency have already discovered that purchasing said coinage is not an easy task. Bitcoin itself was next to impossible to purchase with traditional means. Now, in the wake of mainstream attention it is easier to acquire virtual monies. All one has to do is know where to look, and what they need before they exchange any money. There are a wide variety of exchange-capable sources one can turn to. But in order to use any of those one needs to acquire a cryptocurrency wallet. Cryptocurrency wallets hold digital money and conduct transactions. They are also available in a wide variety as well.


The choice is cryptocurrency wallets all comes down to preference. If you want security than you want a desktop, mobile, hardware, or paper wallet. Each of them downloads the wallet into a physical form. For desktops that form is a computer program, for mobile it is an app, for hardware is it a file on a USB, and for paper it is literally a piece of printed paper. If you want accessibility then online, mobile, or hardware is the place to go. Each stores the wallet in a movable location that goes where you are. Virtual wallets require a third party to hold the wallet, they are also more open to hackers as they are always online. Physical wallets have their own drawbacks because if the device is lost so is the wallet.

Bitcoin Exchanges

Once a wallet has been acquired it is time to fill it up with currency. Using bitcoin as an example there are many primary ways to attain virtual money. Bitcoin exchanges are companies that buy and sell bitcoins on a live market. Such companies deposit both flat currency and bitcoins and then place orders for the exchange to fulfill. Bitcoin Brokers also buy and sell orders, but they also handle the execution of those orders. OTC markets operate in decentralized zones and create remote transactions. These are not open for varieties of companies to fulfill like an exchange. This is a fund transfer between specific groups. Some cryptowallets also function as brokers themselves. Abra is one such wallet. These companies usually operate through smartphone apps. As they serve as both broker and wallet they effectively eliminate the middleman. In the end it is all about preference once again. If you want to operate like a day trader, then exchange companies are your best option. If you want a simple exchange bitcoin brokers and OTC’s are better. If you want convenience go with a wallet/broker hybrid and get instant satisfaction.

Buying Bitcoin

Purchasing bitcoin is pretty straightforward once you have both company and wallet. The hard part is finding the right fit, once said fit has been discovered buying bitcoin is akin to any other financial transaction. You put the money in, it is exchanged for its worth in bitcoin, and then you after confirmation the funds appear in your wallet.…

Never forget to include annuity plan in your Retirement planning! Why?

So, you are looking for options to plan your sunset years. Well planned retirement with a regular and guaranteed income will let you live your retirement life the way you want it to be. Certainly, investing hard-earned money to meet retirement needs is a big deal. A suitable annuity product may be the answer. These products are mainly crafted keeping in mind about the long-term retirement requirements.

Annuity plans can be smart retirement investment option for many people. When you opt for this policy, you are securing the revenue stream for the rest of your life, no matter how long you live. Furthermore, the longer a person lives, the more he or she gets. It is known as a “mortality credit” as the person outlives other people who purchased the annuity. Thus, the income gain can be several times higher than any other secure investment option available. These plans are gaining high prominence due to its manifold benefits.

How does it work?

An annuity policy is a contract between a person and an insurance company. A person invests in the annuity, and in return, payments are made to that person on a future date or series of dates. The income from an annuity can be availed in the form of the lump-sum amount or monthly or annual payment.

Why is it smart Retirement planning?

Annuity plans are often referred to as a smart retirement planning tool. This is because these plans facilitate turning a lump sum of money into a steady revenue stream for rest of your life or a set number of years.

  • It offers you a steady income for the rest of your life.
  • Flexibility to select an annual/ monthly payout mode.
  • Some companies provide annuity card to facilitate convenience in receiving the annuity amount.

Retirement advantages of annuities

Provision of steady Income Post Retirement

They provide smart retirement planning options with a steady flow of income after retirement. The plan helps a person to cover his/her living expenses post retirement by providing a steady stream of income.

Funds to meet major expenses through life:

Some plans offer lump sum payment option which can prove to be helpful in case of major expense needs. Before retirement, a person may face several major expenses to take care of needs like child education, purchasing a house, etc.

Tax Benefits – Investing in an annuity plan comes with a set of tax benefits which can be availed. Investing in annuity early can help save significantly on tax payments. Provisions of tax exemption under Section 80C of the Income Tax Act can be availed. Check policy details to find out and understand the ways in which you may avail tax benefits.

Insurance Protection – In addition to providing income after retirement, annuity offer insurance cover. This is particularly beneficial in providing protection in case of any uncertainties of a death.

Invest time in researching all available annuity options. Start planning now and secure your retirement smartly with annuity plans …

3 Ways to Boost Sales of Handmade Baby Clothing

Handmade baby clothing has gained a lot of traction in recent years as parents trend towards locally sourced goods for their families. Not only are handmade items generally far higher in quality, they tend to be far more unique. This had led to a wide assortment of fresh styles among the baby fashion scene, further encouraging new parents to shop for handmade clothing. As a vendor, there are many ways to put merchandise in front of this growing, demanding audience.

Professional Photographs

With a baby model in hand and a talented photographer, the year’s top pieces should be modeled in several promotional shots. These pictures will be the one of the biggest factors in whether or not a potential online customer buys the item. Aim for at least 3 different shots of each outfit, combining as many accessories as possible. This will give the online shop enough photographs for more than one item description.

Social Media Sharing

Social media generates a lot of traffic for handmade and homemade items, especially those that are crafted by stay at home mothers who do not have a lot of advertising capital to invest. Social media can also result in products going viral if the images and product are popular enough. By posting the best shots of the best selling products and asking friends and family to share, the potential for virality increases.

Trying a Physical Store

If a traditional brick and mortar store is not affordable currently, or if the company is still budding, a merchandise kiosk could be an affordable, fun, low-risk way to promote merchandise. This could be operated in local malls or flea markets, or at local events and farmers markets. Farmers markets are actually an excellent place to advertise handmade baby clothing, as many of the visitors are looking for locally sourced and trusted food and products.

Beautifully made baby clothing generally sells itself, as long as the product is exposed to a wide enough audience. It’s usually the perfect option for a shower gift, a photography session, a first birthday, or other important events.…

How to easily find zippers and other sewing supplies online zipper shipper

Shopping online is very convenient and one of the emerging trends in the business world.  But in order to find the item you are looking for, due diligence and research are required. For sewing supplies, Zipper Shipper is the best supplier not only because of the experience gained over the years but due to excellent customer service. At, there are excellent customer reviews on the products and service they receive from Zipper Shipper. You can visit “zippers” to find relevant information.

You should not shy off from buying a replacement zipper or even zipper pull from Zipper Shipper. They sell any sewing supply in a single unit or in bulk. You do not have to spend several hours online checking out samples of sewing supplies available in the various sites so that you can compare the prices and quality. You can shop online at Zipper Shipper. You will get great deals and products.

If you need a zipper pull replacement or a zipper by the yard, it doesn’t matter how small or big your order is; Zipper Shipper makes sure that they deliver customer orders in time and as per specifications. You are also assured of getting value for your money when you shop online at Zipper Shipper. You may contact them anytime, twenty-four hours in order to place your orders or simply inquire for any information regarding sewing supplies.…

Tips for Saving Money on Office Operating Costs

Starting a new business that requires an office may cost more than you planned for and more than you ever imagined. This is because many people do not think about their daily operating costs before opening an office. In addition to paying for the construction of a new building or to rent space in an existing building, you’ll also need to pay utility bills that provide workers with heat, power and even running water. Before you open a new office, you can find some great ways to save money on all your operating costs.

Use Less Space

Going all out and renting more space than you actually need is a serious mistake. Some business owners rent or buy more space because they want to have space to grow in the future. The more space that you have, the more your bills will be. Even if you use a few hundred square feet in the back of the room for storage, you’ll still pay to heat and light that area. It’s often better to start with less space and to add more space as needed.

Choose the Right Fixtures

Choosing the right fixtures can help you save money too. Fluorescent sockets replacement allows you to use fluorescent bulbs that provide more light and cost less to run than other types of sockets do. You may want to look at fixtures with a built-in timer too. This timer lets you tell the sockets when to turn the lights on and off, which can keep your power bills down. Timers keep employees from leaving the lights on and running all night after leaving the office. If you lease office space, make sure to ask the building owner for permission to change sockets.

Opt for Average Billing

Another way to save is with something called average billing. Contact each utility provider and ask about average billing. Companies will estimate the cost of your bills for the whole year, divide that amount by 12 and charge you a set amount each month. This helps you avoid any high bills during the hot or cold season. If your actual bill is less at the end of the year, the company will put a credit for the amount that you overpaid on your account. With these three tips, you can significantly cut down on the costs of operating your office.…

The Best Insurance

Insurance can be quite complex and involves your financial well-being and protection. So how do you know you are making the best choice when it comes to coverage? The numerous options that are available can be overwhelming when looking for insurance quotes Lodi CA has to offer. You need an expert working on your behalf. The following are 7 benefits of choosing an independent insurance agent.

1. You are given many options to choose from. Independent agents represent multiple insurance companies offering a wide range of price points and coverage options. You don’t need to spend time filling out multiple application to receive a personalized quote comparison. An independent insurance agent has the knowledge and connections to find the best value and insurance coverage for you. Agents do all of the shopping for you and help you save money. They look for the best blend of service, coverage, and price to meet your needs.

2. An independent insurance agent is a licensed expert. They can explain all of the complexities of insurance in ways that are easy to understand, to help you make informed decisions. Their job is to assess the insurance needs of their customers and then match them up with the insurance company that meets those needs the best at an affordable price. You should seek the advice of an expert to make sure that your business, auto, and home are protected properly.

3. An independent insurance agent is your personal adviser. Not only will the agent find competitive pricing for you, but they will also ensure that you have adequate coverage. They will take the time to carefully listen to you so that they understand what your individual needs are. That way in case you suffer a loss, they can ensure that you are covered appropriately.

4. The agent is your advocate. If you need to make changes to your coverage or have a claim or billing concern, your agent will work on your behalf with the insurance company to get the issue resolved.

5. The agent offers one-stop shopping. Often all of your insurance needs can be met by working with an independent insurance age. They can provide you with business, renter’s, home and auto insurance coverage. Many also offer health and life insurance.

6. They are near you. Independent insurance agents are located close to you. They are a neighbor and member of the same community as you. They understand all of the challenges and benefits that come from living in your location. They are available to meet with in person so that you can establish a close personal relationship based on your specific individual insurance needs.…

Best Deals For a Happier, Healthier You

Tree, presents, cookies, lots of lights. Sounds like you’re off to a good start this holiday season! It almost seems complete, but don’t forget to think about the one thing that will still be here after all the festivities are through… You! Vitacost has you covered with thousands of products to choose from to help you become the healthiest YOU you can be!

Vitamins and supplements, sports and fitness, food, kitchen appliances, beauty, babies and diet are just some of the many categories you can shop. While only offering top-quality brands their variety of products is far from slim! The simplicity of their website will help you quickly and easily find the products you need.  Along with well organized options they offer lots of expert tips to help you understand how to navigate your own world of natural.

Specialty Diets

Think it’s hard to shop when you’re trying to avoid certain foods? There’s no excuse now. Check out some of the options Vitacost gives you when you shop!


Don’t let the heater parch your skin this season! Fight back with an intense moisturizer. VitaCost has everything you need to keep your skin in party perfect condition.

Tea Collection

Are you a tea fanatic? With special care Vitacost Teas have been cultivated and cared for from seed to package. Choose your favorite or try a sampler.

Vitamins and Supplements

Algea to 5-HTP and everything in between!


And now you can enjoy the benefits of Vitacost at a discount! Some of the biggest saving area happening right now!

Looking for even more ways to save? VitaCost brand is not only high quality it’s  extremely affordable too!

Whether it’s for you or for a gift Vitacost has what you need. Explore Vitacost today!

While you’re there, don’t forget to check out this delicious gluten-free recipe!…