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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.

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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

Top 10 Health Insurance Considerations

Quality health insurance consistently ranks as the most desired employee benefit. According to the Harvard Business Review, 88 percent of employees ranked employee health insurance as a the top employee benefit consideration. Which makes sense considering that you can’t put a price on a clean bill of health.

Whether covered by an employer, or shopping for health insurance on your own, there are many considerations to have on your radar. No two policies are the same — there are degrees of coverage, varying price, various restrictions, and much more to keep in mind when seeking health insurance.

1. In-network doctors

One of the first things you will want to check is which doctors are in-network. Navigating the bureaucracy of health insurance networks can be frustrating, but it is an important part of saving money on care. If you have a doctor you like, or one that is conveniently near your home, you might want to check that they are in-network before settling on a health insurance policy.

2. Benefits

This is one of the most variable considerations to keep in mind. Each plan will offer different benefits, and with the right amount of legwork you can find one that best caters to your particular health needs. Do you need regular physical therapy? Do you have specific medication needs? Ask yourself these questions to guide your selection process.

3. Policy type

You’ll come to find out that not all health insurance policies deliver the same service — there are many different “types” of health insurance. The most popular types include HMO, PPO, EPO, and POS plans. These all have features that make them unique, but rather than get into the weeds listing all the benefits and drawbacks of each, we offer this simple advice: be sure to comparison shop. Look for a summary of benefits (which can be found on an online marketplace) and weigh your options from there.

4. Prescriptions

For many Americans, the cost of prescriptions is one of the most expensive, non-negotiable elements of health care. Americans paid an estimated $457 billion on prescriptions in 2015, which is comprises over 16 percent of all health care expenditures. And, considering over 60 percent of Americans take medications every day, this should be a primary concern when deciding on a health insurance plan.

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5. I’m healthy so why bother?

Many young people choose to forgo health insurance all together, and endure the tax penalty, because they think they will never use it — this is ill-advised. For one, even healthy people require regular care, whether that means annual physicals, x-rays, etc. Plus, in the event of an emergency, you would be left fronting a costly, potentially six-figure bill which could drain your bank account and tank your credit scores. While the individual mandate was repealed in 2017, individuals are still legally required to have health insurance through 2019. But, legality aside, it’s best to pay for health insurance now to protect yourself from costly emergencies in the future.

6. Out-of-pocket expenses

The cost of health insurance is a balance between out-of-pocket costs vs premiums. Basically, low out-of-pocket with result in high premiums and vice versa. This is a good time to evaluate your overall health and determine whether you need a lot of medical services or not. For example, if you’re relatively healthy, it might be worth taking on a high deductible in order to benefit from low monthly premiums.

7. Support options

Let’s face it: the healthcare system is confusing. But, thankfully, many insurance plans offer a variety of customer support options to help bridge the knowledge gap for the everyday policyholder. Whether this is a 24/7 support line, or something more intuitive like telemedicine or a mobile app, be on the lookout for policies that offer the support features you need.

8. Chronic diseases

If you suffer from a chronic disease, your health insurance shopping process will be a little different. Usually people are willing to take on large deductibles in favor of low premiums, but if you expect many doctor visits in a year, you might want to approach your shopping a little differently. If you have any reason to visit the doctor often — whether that’s diabetes, cancer, or any number of maladies — search for the lowest deductible possible to keep your medical bills within reason.

9. Filling gaps

Despite how plans are advertised, there is no such thing as a comprehensive health insurance policy. Inevitably, there will be some gaps that might need to be filled. Whether you have many prescriptions, chiropractic care, massage therapy or any other, less common medical needs, you can expect to pay out-of-pocket or seek out a supplemental plan to cover costs.

10. Family coverage

Last, but certainly not least, one of the most important considerations when picking a health plan will be your family. All of the above considerations are at play, and compounded, with each family member. Plus, you will need to find a plan that accommodates all members of the family. When multiple family members factor into your health insurance decision it will be a balancing act, so plan accordingly.

If you’re concerned about your credit, you can check your three credit reports for free once a year. To track your credit more regularly, Credit.com’s free Credit Report Card is an easy-to-understand breakdown of your credit report information that uses letter grades—plus you get a free credit score updated every 14 days.

You can also carry on the conversation on our social media platforms. Like and follow us on Facebook and leave us a tweet on Twitter.

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The post Top 10 Health Insurance Considerations appeared first on Credit.com.

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What Is a Life Underwriter Training Council Fellow (LUTCF)?

Underwriters' meetingNew insurance agents can get a grounding in the basic skills, such as underwriting, needed to succeed in the field by becoming a Life Underwriter Training Council Fellow (LUTCF). After completing the required training, agents will have greater expertise in prospecting, selling, practice management as well as insight into practice specialties including life and health insurance, employee benefits and annuities. Having a LUTCF also can aid new agents in acquiring a job with an agency and in marketing themselves to prospective clients.

The LUTCF is overseen by the National Association of Insurance and Financial Advisors (NAIFA). The training and testing are provided by education company Kaplan through its College for Financial Planning division.

LUTCF Certification Requirements

The core of the certification requirements for the LUTCF is a set of three courses. Each course consists of eight weeks of instruction followed by a week for review and testing.

The first course is an introduction to life insurance and managing a life insurance practice. It covers business planning, ethics, life insurance product basics, risk management, prospecting, selling skills and financial planning.

The second course goes deeper into life insurance as well as annuities, mutual funds and insurance for health, disability, long-term care, group coverage and property and casualty. Risk management, retirement and estate planning are among the subjects covered in the third course.

The third course deals with risk management applications. It covers retirement and estate planning as well as special situations.

The courses are available as self-paced prerecorded lectures. They are also taught live and via interactive online classes. After completing each of the three courses, students must pass a two-hour test. To pass, they must correctly answer 70% of the 50 questions on each test.

The training costs $950 per course for a total of $2,850. The only prerequisite for the LUTCF is to belong to NAIFA, which has a sliding membership fee scale. People in their first year in financial services pay $10 to belong to NAIFA. The fee increases annually until it reaches $56 a year after a member has five years of experience in the field.

After receiving the designation, LUTCF designees can renew it by paying a $50 renewal fee every two years. As part of the renewal process, they also have to demonstrate that they have completed three hours of ethics continuing education every two years. In addition, LUTCF holders must agree to follow standards of professional conduct and be subject to a disciplinary process.

LUTCF Holder Jobs

Insurance worksheetsLUTCF seekers are usually insurance agents at the start of their careers. They may be interested in obtaining the designation as a way to convince potential employers of their commitment and knowledge about the life insurance industry. Having the LUTCF initials on a business card is also seen as an aid in marketing to prospects. The LUTCF is an optional certification and does not confer any specific powers or privileges on holders.

The designation has been around since 1984 and approximately 70,000 people have earned an LUTCF during that time.

Comparable Certifications

There are only a few entry-level certificates available to life insurance agents. In addition to the LUTCF, new agents can choose from:

Financial Services Certified Professional (FSCP) is offered by the American College of Financial Services, which originally co-sponsored the LUTCF with NAIFA. In 2013 the organizations ended their association and the American College of Financial Service began offering the FSCP. It requires passing seven courses on financial services and ethics topics at a combined cost of $3,230.

Registered Financial Associate (RFA) is a designation from the International Association of Registered Financial Consultants. It is offered to agents and other financial professionals who have already received a life insurance license, Series 65 securities license, bachelor degree in a related field or any of a number of professional designations, including a LUTCF. RFAs also have to pay a $250 fee. The only requirement other than that is to pass an examination on the organization’s code of ethics for financial professionals.

Bottom Line

Business meeting

The Life Underwriter Training Council Fellow (LUTCF) certification is one of the first designations sought by beginning life insurance agents. To get one, students have to learn about life and other forms of insurance, mutual funds, annuities, employee benefits and financial advising, in addition to managing a life insurance business, prospecting and selling.

Tips on Insurance

  • A consumer considering purchasing life insurance can increase the chances of making a good decision by having a relationship with a trusted and experienced financial advisor. 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 five minutes. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.
  • Entry-level designations for financial services professionals like the LUTCF indicate that an advisor is interested in learning about the field and following best practices. More advanced certifications such as Chartered Life Underwriter and Certified Financial Planner are likely to indicate that a professional is a more experienced and well-informed source for financial advice.

Photo credit: ©iStock.com/FangXiaNuo, ©iStock.com/hfng, ©iStock.com/jhorrocks

 

The post What Is a Life Underwriter Training Council Fellow (LUTCF)? appeared first on SmartAsset Blog.

Source: smartasset.com

Chipotle to Hold Nationwide Hiring Event to Fill 15K New Jobs

Chipotle is kicking off the new year with a nationwide hiring blitz.

With hundreds of new restaurants in the works, the fast-casual Mexican food chain plans to fill 15,000 new openings, according to the hiring announcement.

To make headway on those recruitment efforts, all Chipotle locations are holding a “Coast to Coast” career event Jan. 14. On-site interviews are taking place from 8 a.m. to 10 a.m. and 2 p.m. to 5 p.m. local time.

As a safety precaution, outdoor and curbside interview accommodations are available.

“Please bring a mask and follow all safety protocols while you’re in the restaurant,” the company said.

Pro Tip

To participate in the hiring event, you must fill out a brief application and select an available interview time slot at your local Chipotle. Do not show up without requesting an interview.

Compared to the overall restaurant industry, Chipotle has fared well throughout the pandemic. The company hired 10,000 new workers in July as it added new locations and built drive-thru windows at many existing locations. In November, Chipotle unveiled its first ever “digital” restaurant in New York to experiment with only providing drive-thru and pick-up orders.

Job Openings at Chipotle

Chipotle’s recruitment spree is focused on hiring new restaurant team members, which primarily consist of line cooks, food preppers, and cashiers. These positions are entry level.

According to job listings on the company’s career board, the main crew-member requirement is that you must be at least 16 years old to apply. All training is provided.

Chipotle doesn’t have a company-wide minimum wage. On average, crew members earn about $10 to $11 an hour (or local minimum wage if higher) according to thousands of self-reported wages on Glassdoor.

To entice new workers, the burrito chain has been experimenting with new perks and benefits available to all employees, part- and full-time:

  • Medical, dental and vision insurance.
  • 401(k) retirement plan after one year of employment.
  • One free meal per shift.
  • 100% tuition coverage for select degrees and universities through a partnership with Guild Education.
  • Tuition reimbursement of up to $5,250 for schools and degrees outside that partnership.
  • Paid time off including parental leave.
  • English as a second language training.

If Chipotle meets its hiring goals, the company’s workforce is set to exceed 100,000.

Check out these other employers that offer health insurance and cover college costs for part-time employees.

Adam Hardy is a staff writer at The Penny Hoarder. He covers the gig economy, remote work and other unique ways to make money. Read his ​latest articles here, or say hi on Twitter @hardyjournalism.

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

How To Look Like A Model In Photos

Here is the offending photo that is the subject of today’s Photoshop … But just look at the difference: Four for you, …

2011-08-21  · You’re pretty yes. But I’m not so sure about model. Like you look a lot older than 20. And i models career ends at 25, and you look older than that.

"This is probably my first bathing suit photo in I don’t even known, three years. Probably before Saint was born," Kathryn …

Note that live photos will only work on iPhone 6s models and up. You should now be presented with … Best of all, it allows …

2017-11-29  · A certified personal trainer and the very picture of what all women wish to look like, Anna Victoria is a fitness beast. Her slender muscle tone and model good looks are the envy of 1.3 million Instagram followers.

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Your smartphone is always with you, a constant companion that can connect to the web to look up … guidelines like the rule …

2006-02-23  · To look like a model, you need to have a fierce model walk. Make sure that you have excellent posture, walk straight placing one foot in front of the other, let your arms hang loosely at your sides and walk with purpose.

Should You Tip A Photographer 2015-02-25  · If the photographer you are hiring is the owner of the business, then I would say, no tipping. The money they are charging you is all going to them (and even if they pay an assistant, the photog should have accounted for that in their price). photographers provide a very useful service … family

How To Master Modeling Poses: LOOK GOOD IN EVERY PIC! 2016-10-06  · Lighting is the #1 fastest way to make a photo look more professional. The biggest difference between the photo on the left and the one on the right is the lighting, which gives contrast, interest, and pop to the photo.

A model whose bloated stomach often makes her look pregnant has taken to social media to highlight … Now the teenager is …

Should You Tip A Photographer

2015-02-25  · If the photographer you are hiring is the owner of the business, then I would say, no tipping. The money they are charging you is all going to them (and even if they pay an assistant, the photog should have accounted for that in their price).

Photographers provide a very useful service … family and friends should be tipping you for a job well done and because it …

2013-04-03  · One of the best ways to "tip" your photographer is to tell everyone you know about your experience. It doesn’t cost you anything, but it can go a very, very long way in helping their business. Spread our company’s name on Facebook. Credit us on your blogs. Doing this says the same thing a tip would: you were pleased with our service, the end result, you loved working with us, and would come …

How To Make Pictures Look Professional Inside this video I show you how to make your videos look more professional using some simple and affordable tools and tricks. You’ll learn how to create videos that look JUST like those ones that Steve Jobs and Apple love doing so much… Find an excellent photo retouching and a face analyzer for personalized skin

5 BEGINNER PHOTOGRAPHY MISTAKES + How to Solve Them! Need more ideas for posing non-models for your portrait photography practice? These quick and simple tips should get you … …

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The tripod is often basically just in the way and slowing you down. Another tip he thinks is unnecessary … danish Fine Art …

2017-09-01  · Brides, here’s how it breaks down. You know you should tip at a restaurant, at your hair salon, and when you’re getting out of a taxi, but did you know you should tip vendors at your wedding …

A Better Exposure A 2017 study at the University of Pennsylvania found that children who eat fish not only had higher IQ scores, they also had … How To Make Pictures Look Professional Inside this video I show you how to make your videos look more professional using some simple and affordable tools and tricks. You’ll learn how
Top 10 Digital Slr Camera Between DSLRs and mirrorless cameras, budget compacts and impressive superzooms, Nikon has dozens of different options on the … The question I’m being asked on a daily basis at the moment is – ‘what camera should I buy?’ Obviously cameras are on many people’s wishlists this Christmas! I’m planning to update our popular digital cameras

A Better Exposure

A 2017 study at the University of Pennsylvania found that children who eat fish not only had higher IQ scores, they also had …

How To Make Pictures Look Professional Inside this video I show you how to make your videos look more professional using some simple and affordable tools and tricks. You’ll learn how to create videos that look JUST like those ones that Steve Jobs and Apple love doing so much… Find an excellent photo retouching and a face analyzer for personalized skin

Calgary-based Questor has been on a remarkable run since mid-2017 when its share price was stuck for the better part of a …

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Definition of exposure in English: exposure. noun mass noun. 1 The state of having no protection from something harmful. ‘the dangers posed by exposure to asbestos’ More example sentences ‘It is known that drinking too much water can be harmful, leading to exposure to toxins and pollutants in water.’ ‘If you work out at home, especially in a humid area such as the basement, your …

Camera For Photographers top 10 photographs 2012-08-30  · The criteria for choosing and ranking these photographs are historical significance, artistic composition, action, and people involved. Some of the photographs’ nicknames were provided by the lister. One of baseball’s most famous collisions occurred at the very end of the 1970 All-Star Game portrait shoot ideas You’ll have the opportunity to
Top 10 Digital Slr Camera Between DSLRs and mirrorless cameras, budget compacts and impressive superzooms, Nikon has dozens of different options on the … The question I’m being asked on a daily basis at the moment is – ‘what camera should I buy?’ Obviously cameras are on many people’s wishlists this Christmas! I’m planning to update our popular digital cameras

The picture on the LCD will show you if the exposure is close to correct, but it is better to also check the histogram to make sure the exposure is within the dynamic range of your camera. Remember to keep the highlights on the right side of the histogram, but avoid a spike on the far right. If the dark areas spike on the left side the histogram, that is okay since parts of your picture are …

A Better Exposure is a Modern Omaha Photography studio specializing in Senior Portraits, Business Headshots and Lifestyle Weddings

2014-05-14  · Cameras Five tips for a perfect exposure. Learn to take better photos instantly with our guide to the finer aspects of exposure.

Using the Histogram for Better Exposure: Exploring Photography with Mark Wallace The fund is led by its large exposure to China — 19.4 per cent … U.S. counterparts were first pioneered by China. “They are …

How To Make Your Pictures Look Professional Though we would all love to get professional-level photos of our adventures … it will also give people a better look at the … 2007-08-09  · Taking a little time to think about how your email looks from the standpoint of the recipient can go a long ways toward presenting a professional image. The Real Estate

Stenvers’ team wanted to better understand how real-life exposure is affecting teens’ sleep and if that could be reversed. …

ZEB’s better one-year return comes despite a management expense … Both are a convenient way to get exposure to the major …

How To Make Pictures Look Professional

Inside this video I show you how to make your videos look more professional using some simple and affordable tools and tricks. You’ll learn how to create videos that look JUST like those ones that Steve Jobs and Apple love doing so much…

Find an excellent photo retouching and a face analyzer for personalized skin care. Remove skin-spots, do face-sculpting and look Photogenic!

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so you know how important it is to be able to edit exposure after the fact in a way that still makes the photo look good. An editing system like aftershot pro 3 can mean the difference between a …

Lucy Liu knows how to turn up the heat! The 50-year-old actress is a pro at kicking butt in films like Charlie’s … she …

Camera For Photographers top 10 photographs 2012-08-30  · The criteria for choosing and ranking these photographs are historical significance, artistic composition, action, and people involved. Some of the photographs’ nicknames were provided by the lister. One of baseball’s most famous collisions occurred at the very end of the 1970 All-Star Game Portrait Shoot Ideas You’ll have the opportunity to

2019-03-29  · How to Make Your Face Look Younger. Your face is often one of the first things people notice about you and is a focal point whenever you interact with others. But as we age, our skin changes and we may not feel as confident with our faces….

How To Make Your Pictures Look Professional Though we would all love to get professional-level photos of our adventures … it will also give people a better look at the … 2007-08-09  · Taking a little time to think about how your email looks from the standpoint of the recipient can go a long ways toward presenting a professional image. The Real Estate

Today plenty of apps are available to proofread your work. Mistakes in your writing are not good for your professional image. …

How to make your photos LOOK BETTER FAST! Photoshop Tutorial image/upload/h_200/w_200/e_shadow:50,x_10,y_10/rmv_bgd/dog_couch.png The ability to create crisp, customized images with … …