Careers in Photography

From exotic locales to magazine covers to newspapers, a career in photography will allow you to unleash your creativity and to choose exactly how you want to pursue it.What Can Photography Schools Do For You?These schools essentially help you to develop creative and artistic skills, along with the technical abilities that are necessary for you to become a professional photographer. Students can pursue lucrative and satisfying careers by blending photography and art to fit their specific interests. The courses provided are wide-ranging and technical, and provide training in the use and care of cameras, and in handling the intricacies of film development.The training includes instructions on conventional cameras and other equipment, digital photos, types of lenses, length of exposures and the various techniques used for developing prints. Several universities and colleges award degrees in photography such as Associate of Arts (AA), Bachelor of Fine Arts (BFA) and Master of Fine Arts (MFA). In addition, some schools provide graduate level courses for certificates in photography with advanced techniques. Students can select photography as either a major or a minor subject, or they can choose special photography classes simply to pursue their interests.These schools encourage and develop originality, creativity, resourcefulness, personal expression and individual style through their training programs. The curriculum consists of digital and film techniques, lighting, camera basics, portraiture, fine arts, digital imaging software, and composition and darkroom printing techniques.Many schools also offer courses in illustration, documentary film making techniques, designing, commercial advertising, presentation skills, business skills, photojournalism, and how to set up a studio for aspiring photographers. Photography school graduates can specialize in sports, marketing, news, portraiture and several other professions within the vast field of photography. Bachelor and Associate Degrees provide entry-level positions as artists, technicians, and assistants in commercial photography.Careers in Photography If you acquire a comprehensive basic education from any school or college, then here are a few of the fields you can specialize in:o Digital Photographyo Fashion Photographyo Editorial Photographyo Advertising Photographyo Wedding Photographyo Documentary Style Photographyo Photo TechnicianFor gifted people who are naturally talented, photography as a career can be very lucrative and bring fame. Indeed, many professional photographers have reached the top of this field, and are highly sought after for their services. Here are a few careers in photography that students can pursue:o Newspaper and Magazine Photographer – Although freelance photography is more lucrative, photographers who are just getting started can make a name for themselves through newspapers and magazines.o Advertising Agencies – In advertising agencies, photographers make ads for various campaigns. You can grow in this field and even become an art director or a supervisor for operations.o Fashion Shooting – Working in fashion shoots involves hard work, but is a stimulating experience. Photographers conceptualize and direct the shoots. Many fashion houses employ photographers.o Event Photographer – Events like weddings and concerts or debuts require photographers to document the function.o Freelance Photographer – Freelance photography is a challenging but satisfying and exciting career. There are a number of international organizations like the UNICEF that hire professional photographers to make various documentaries in remote areas.Photography careers are as artistically rewarding as they are profitable. For all those with a creative bent of mind and an artistic eye, a career in photography can open a wide vista of opportunities.

African Americans and Life Insurance – A Rocky History

As with many things in the United States that should not be, the selling and buying of life insurance to the black American community has often been poisoned with racism–or, perceptions of racism. Even such known white anti-slavery advocates as Thomas Jefferson were deeply concerned that even if blacks got their eventual freedom and full citizenship in the United States, they would perhaps never be able to fully integrate with the wider society. When there are accusations of racism that are false, or when there are stereotypes permitted in business or the legal system, this full integration is not permitted. We usually don’t think of the life insurance business as some sort of racial battleground. But it can be made into one. But there are racial considerations that have historically played a role in this industry. Black Americans and life insurance agents of all races need to be aware of them. Black Americans’ life insurance used to be sold door to door back in the 1920s and 1930s as “burial insurance policies”.The business assumption was that was all that most of the black Americans could afford or would even care about, since they were financially unsophisticated. Now, the life insurance industry is all about spreading around risk. As these burial policies were marketed to mostly low-income blacks, the underwriters were aware that black Americans were, according to records, more susceptible to violence, less likely to hold steady jobs, given to having a lot of children, and had shorter life expectancies. Life insurance companies very often called black applicants “substandard”. This meant to them that black Americans were less likely to keep up the premiums and more likely to force the company to pay out a death benefit when they were still in their younger years. So, black Americans’ life insurance premiums per $1000 of coverage were much higher than their white counterparts’. Blacks were simply seen as greater risks than whites. But, sometimes the premiums for the policies were so high that if the policy was kept for its full term the premiums exceeded the death benefit. Although the life insurance underwriters had some legitimate concerns, many of the companies’ had pricing practices that came to be seen as extreme. Legal action in more recent times was brought against many life insurance companies that were underwriting black Americans back then. “This is institutional racism and discrimination. It’s a perpetuation of the ideas and attitudes of slavery, and somebody needs to be punished for that. I’m not sure the settlement amount for the number of policyholders is sufficient,” said black civil attorney Johnny Cochran before his death. That the life insurance companies were intending racist discrimination is dubious. But, it’s also entirely possible that their underwriting practices then were inaccurate, yet they did not do anything to correct this.The legal system has now made it a violation of federal laws for any life insurance company to use race as part of the criteria for underwriting, evaluation of risk, or pricing of an individual’s life insurance policy. In fact, underwriters are not permitted to even know an applicant’s race anymore.But, in spite of a now very intense legal defense of African Americans’ rights with regards to the buying of life insurance, and despite a powerful targeted marketing effort in the 1960s and 1970s to get black Americans to buy life insurance for mortgage protection, nearly 80% of adult black Americans still don’t have life insurance at all. Why would that be?According to black financial advisor with Secure Heights Financial, Inc. Dereck L. Smith JR, LUTCF, “There still seems to be a lack of financial planning and insurance knowledge within our community as a whole. Unfortunately, some [blacks'] life insurance policies are so similar, that you would think they were lined up in the room to buy it. Some insurance agents try to sell ‘one size fits all’ plans to [blacks] instead of educating them and addressing their personal needs. Purchasing life insurance should be based on your particular goals, keeping your family obligations in mind. It is all about education in the [black American] community.”So, African Americans need to understand the vital importance of life insurance to their full financial program. The days of mere “burial insurance” and ridiculous premiums are dead and gone. If you’re a black American with a family and financial assets to protect but no life insurance, talk to an agent as soon as possible. If you feel more comfortable talking with a black agent, find one and talk to them.

The Reasons For Online Casino Gambling

Online casino gambling is something that you can have a lot of reasons to try. Even if you have never gambled before, online gambling is the wave of the future. You will be able to learn all that you need to gamble online. You will find that there are a lot of different things that you will be able learn and experience when you are online.

People will often go online and gamble because it is very relaxing. Put some money aside that you can spend on whatever you want and use it to gamble. You will find that this is a relaxing hobby that can really pay off sometimes. It is important of course for you to only use the money that you can afford to play with. After all, it is not very relaxing to be broke.

If you happen to frequent casinos but not as often as you would like, then online gambling can be something that you can really benefit from. When you are not at the casino, keep your skills sharpened by playing online. You will find that you can learn a lot of things in between casino visits whenever you are still able to play on a regular basis. Playing at a casino can be very stressful and difficult if you are not used to the game. Make the game come to you naturally while you are in an environment that you are not familiar with.

The pay is of course something that keeps people coming back. While it is not a guarantee that gambling will pay you well, it is something that gives you the opportunity to win big. Whether you wish to earn a few bucks or try to do it professionally, gambling online can help you to get ahead of the game financially.

Of course it should always be remembered that gambling is not a guarantee to anything but a good time. You should not make any bets that you cannot back up. Gambling is meant as a fun hobby and something that you should do only if you can afford to.