Last week’s photography expedition in Paris, France, did NOT start well for me. On Day One, I accidentally left my camera bag unzipped and when I picked it up off the floor, my camera rolled out. It wasn’t a hard roll but it must have hit the ground just right because it broke my lens. Now the lens won’t focus. Fortunately, professional photographer, Rich Wagner, looked at it. He says it’s fixable. I can send it to Canon and (for a fee) they’ll fix it and send it back. However, I was still in Paris (on a photo workshop, mind you) with a camera that was useless without a lens. So I started to look for a new one. Rich recommended I get a “fast” lens. Fast lenses are great for portraits and for photographing things in low light. (Learn more tips from Rich and many other professional photographers at one of our live events. Click here to see our Workshop Schedule.) Here’s what that means… Lenses are generally classified by their focal length and their maximum aperture. A 28-135mm f3.5-5.6 zoom lens like the one I broke has a lens focal length between 28 and 135 mm and a maximum aperture of f.3.5 – f5.6 depending on how far I extend the telephoto (zoom). Aperture, if you don’t know, is like the iris of your eye. The more you open up your aperture, the more light you let into your camera. And conversely, the more you close it, the less light you let in. And aperture is measured in f-stops. F-1.0 is the widest aperture setting you can get — the most light your lens can let in. And f-22 is the smallest — the least amount of light you can let in. So on my camera, with my 28-135 mm f3.5- f5.6 lens (the one that’s broken), I can’t open it up all the way. I can only open it to f3.5. That’s the maximum aperture for that lens. So what does “fast” mean? Fast, when talking about a lens, actually refers to the greatest amount of light the lens will let in. Think of it this way… If your camera needs more light to hit the digital sensor in order to make a correctly exposed image, then it has three choices: ** 1) It can open up your aperture and let more light in through the lens… ** 2) It can slow down your shutter speed and let the light that’s coming in from your lens sit on the digital sensor for a longer amount of time… ** 3) It can speed up the “film speed” or ISO on digital cameras. So if your camera measures the light in the room and thinks it needs an aperture reading of 1.4 but your lens only opens to 5.6, it’ll slow your shutter speed to get the shot. And a slow shutter speed — if you’re hand holding your camera — will give you a blurry image. Most photographers consider a fast lens to be one that will open up to at least f-2.8. That’s a lot more light than what I can get with my (broken) f3.5 lens. (Remember, 1.0 is the largest aperture setting you can get. So 2.8 will open up a lot more than 3.5 — the smaller the f-stop number, the larger the opening on the lens.) And an even faster lens would be one that can open up to f-1.4. (To get f-1.4, though, you’d have to give up the zoom feature and use a “fixed focal length” lens. You won’t be able to zoom but a lens like that would let you hand hold the camera even in a dim restaurant. So Rich recommended I get a 24-70mm 2.8 lens. That’s a lens with range from moderate wide angle to moderate telephoto (great for street shooting in Paris) and a larger maximum aperture (the f-stop, or the 2.8 number) for shooting in dim restaurants and cafes. Now, is that “fast” lens an absolute necessity for getting great shots in a restaurant or café? No, not necessarily. Something faster than what I already have would be a nice addition to my toolkit for portraits and shooting indoors. But I don’t “need” it. Here, for example, are a few other ways you can get better shots in low-light — without buying a faster lens… ** 1. Use a tripod, which would allow you to take the picture with a slow shutter speed without worrying too much about camera shake. (If you don’t have a tripod, you can try bracing my camera against something sturdy like a table, wall, or light post.) ** 2. Experiment with different ISO settings that will allow light to sit on the digital sensor longer without slowing the shutter speed. Here are a few pictures to show you the difference… This was a grab shot in a restaurant on Mont St. Michel with ISO 100. I was hand-holding the camera (no tripod): And here’s a similar shot with ISO 400 (a faster film speed). Again, no tripod. See how much better exposed it is? And here are two shots to illustrate the difference between hand holding a camera in low light vs leaning the camera against something solid… Here’s a shot with ISO 400 hand held. It’s a bit blurry: And here’s the same shot with the camera balanced against the bridge. It’s a lot clearer: They’re a little tilted, but you get the point. Remember that no matter what lens you get, you still need to learn the basics of good composition and exposure in order to take great pictures. I’ve seen absolutely amazing (and salable) photographs taken with small point-and-shoot cameras and utterly dreadful photos taken with a highest-end pro equipment. It’s the photographer — not the camera — that makes a photograph. [Editor’s Note: Learn more about how you can turn your pictures into cash in our free online newsletter The Right Way to Travel. Sign up here today and we’ll send you a new report, Selling Photos for Cash: A Quick-Start Guide, completely FREE.]
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Unlike traditional life insurance, burial insurance typically has simpler application processes, often with no medical exams required. How Terminal Illness Affects Burial Insurance Terminally ill patients face unique challenges when applying for burial insurance. A terminal illness is typically defined as a disease that is expected to result in death within a short period, often within six months to a year. Insurers take this into consideration when assessing applications, and while you may still be able to obtain burial insurance, there are several factors to consider. Here’s what terminally ill patients should expect: 1. Eligibility Challenges Most burial insurance policies require applicants to be in good health, or at least to not have a terminal illness. However, some insurers offer coverage to those who are terminally ill, but it depends on the specific insurer and their underwriting policies. You may need to shop around and find a provider that is willing to work with your condition. 2. Higher Premiums Since terminally ill patients have a shorter life expectancy, insurance companies may charge higher premiums to account for the increased risk. The premiums can vary depending on how advanced the illness is and the patient’s overall health. While higher premiums may be a concern, the key benefit of burial insurance is that it provides coverage specifically for final expenses, easing the financial burden on your loved ones. 3. Limited Coverage Options Many traditional burial insurance policies may not offer coverage to terminally ill individuals or may offer limited coverage. Some insurers may only approve policies that pay out the death benefit after a waiting period, which can last anywhere from 1 to 3 years. In such cases, if the policyholder passes away within that waiting period, their beneficiaries might not receive the full payout. 4. Guaranteed Issue Life Insurance For terminally ill patients, a guaranteed issue life insurance policy may be the best option. These policies do not require a medical exam or health questions, making them accessible to those with pre-existing conditions like terminal illness. However, these policies tend to have higher premiums and lower coverage limits. Additionally, most guaranteed issue life insurance policies come with a waiting period before the full benefit is paid out. If you pass away during the waiting period, the insurer typically refunds premiums paid, but your beneficiaries may not receive the full death benefit. 5. Immediate Coverage Policies Some burial insurance policies offer immediate coverage, meaning your beneficiaries can receive the full death benefit right away, without having to wait for a period. These policies are generally more expensive but provide peace of mind knowing that the coverage is in place. It’s important to note that immediate coverage options are not always available for terminally ill patients, as insurers may require a certain health condition or waiting period to qualify. Tips for Terminally Ill Patients Looking for Burial Insurance While it may seem challenging to secure burial insurance with a terminal illness, there are ways to improve your chances of finding the right policy: 1. Consider Guaranteed Issue Life Insurance If you are terminally ill, a guaranteed issue life insurance policy is likely your best option. These policies do not require a medical exam, and you won’t have to disclose your health condition. While premiums may be higher, this type of insurance ensures that your final expenses are covered, and your loved ones don’t face the financial burden of funeral costs. 2. Shop Around Not all insurance providers have the same policies when it comes to terminally ill patients. 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Conclusion While being diagnosed with a terminal illness can make planning for the future feel uncertain, securing burial insurance can provide peace of mind for both you and your family. Although it may be more difficult to find affordable burial insurance when you’re terminally ill, there are options available. By considering guaranteed issue life insurance, shopping around for the best policies, and working with an insurance agent, you can ensure that your final expenses are covered, easing the burden on your loved ones when the time comes.
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