3 important elements to master the art of photography
Photography is nothing short of an art form, which is why understanding the basics before you can even think of buying a professional grade camera for practice is essential. The right equipment, coupled with the right set of skills will help you go a long way and maybe one day even enable you to make a living out of taking pictures and auctioning or selling it to stock photo agencies. The concepts of camera and photo basics are applicable for still as well as digital photography.
A Digital Single Lens Reflex or DSLR camera is the best and basic equipment in professional photography to get started with the basic camera and photo concepts. Three very important points to understand while taking a picture include the shutter speed, aperture, and ISO (light sensitivity).
- The shutter speed refers to the movement of shutter elements in a professional grade camera that allows you to capture different types of images.
- It refers to the time taken by the shutter to open and shut, allowing the light to fall on camera sensors for the image to be created.
- Low shutter speed and high shutter speed images can be achieved by moderating the shutter snap. The concept behind shutter speed is quite simple, the longer the duration of which shutter remains open, more is the time allowed for light to enter and create the image on sensors and vice versa.
- High shutter speed will allow photographers to capture high-speed images, like a race car or any fast moving object without the image getting blurred.
- Low-speed shutter imaging allows for standard photography, with the universal shutter speed set at 60 which is 1/60th of a second to capture the image.
- While shutter speed controls the duration for which light can enter, aperture controls the amount of light which is permitted on the sensors. This will determine whether the captured image is too bright or too dark, depending on the aperture settings.
- Aperture has to be adjusted according to different lighting conditions to capture a perfectly created image, which is not too bright or dark without compromising any of the elements within the frame.
- Aperture also controls the depth of field which also modulates the foreground and background objects composed within the frame.
- Higher the aperture setting more will be the depth of field allowing decreased focus on a particular object and vice versa.
- A shallower depth of field will allow more focus on the foreground objects, by blurring the background.
- Also referred to as light sensitivity, the ISO is adjusted keeping in mind shutter speed and aperture to determine the perfect exposure for any image.
- In simple terms, the sensor will not be very sensitive to light with a low ISO number as opposed to a higher number that indicates high sensitivity.
When shutter speed, ISO, and aperture are all combined, the exposure levels can be modified with ease to find the perfect balance between all colors. It takes a considerable amount of time and practice to find the right balance between all three after understanding the theory of all camera and photo concepts.
It is also important to understand the composition of any camera and photo shot since what will be included within the frame will determine aspects like shutter speed, aperture, and ISO settings after the proper white balance has been done. White balance is done to produce true RGB colors for the image by calibrating the camera settings to pure white color composition preset.
The composition also depends on camera and photo concepts like rule of thirds, looking direction, head room, nose room and distance from the object you want to capture. This will again depend on the type of object or type of landscape you want to capture in your frame and composition.
Your guide to getting FHA loan approvalsRead more
A Federal Housing Administration (FHA) loan is a type of mortgage which is insured by the FHA and is considered one of the most affordable and fastest loans to procure.
Simply put, the borrower needs to be approved by the FHA to get this loan. You may then look for different mortgage rates with different FHA-approved lenders. There are plenty of portals which may help you get fast quotes and you may subsequently take the process ahead with any lender whose rates you have found affordable.
Important guidelines to get an FHA loan approval
Discussed below are a few important aspects to keep in mind while applying for an FHA loan.
The credit score requirement to get an FHA loan approval is not stringent. The minimum eligible credit score for the same is 580. Even if you do not have a credit history, your lender will need to evaluate your eligibility, based on a non-traditional merged credit. Some borrowers may require a score of 640-680 to be eligible for this loan.
While this is a guideline set, many lenders also give a loan to people with a credit score of at least 500.
Debt to income ratio
The debt to income ratio is a critical guideline followed by lenders to evaluate the eligibility of a borrower. It is a way in which lenders (even mortgage lenders) calculate a borrower’s ability to repay the debts, considering their regular incomes. The acceptable limit of this ratio is 31:43 to get an FHA loan approval.
Even though getting an approval for an FHA loan seems fairly easy, the real challenge arises in getting two types of mortgage insurances as prerequisites. One insurance needs to be paid fully while the other has to have a provision of being paid in monthly installments.
The minimum down payment required for an FHA loan approval is 3.5%. While the standard rate for down payment runs at 20%, the 3.5% comes as a great relief for borrowers who cannot afford such a high amount.
Other important areas
A lender will look into your employment history, lawful residency in the US, as well as a valid Social Security number (SSN). You would also require to have an appraisal for the property from a verified FHA-approved appraiser.
The other requirements differ from lender to lender, and it is always advisable to gather full information about your verified FHA loan lender before applying for a loan.
3 ways SMA patients and caregivers can maintain a healthy relationshipRead more
The relationship between a person diagnosed with spinal muscular atrophy (SMA) and their caregiver is a two-way street. It is important to remember that both the patient and caregiver have their individual needs that should be communicated clearly. Irrespective of whether the primary caregiver is a parent, friend, or someone who has been hired to take care of the SMA patient, there are a few important things to consider for a healthy relationship between them. Below are three tips for SMA patients to maintain a healthy relationship with their caregivers-
- Informing the caregiver in advance about any schedule changes
SMA patients should remember that their caregivers, whether family, friends or professional caregivers, have their own schedules and needs. One needs to ensure that they don’t make any last-minute changes without informing the caregiver well in advance. A caregiver plans everything according to the SMA patient’s schedule, and any sudden changes might cause problems with the caregiver’s schedule and routine. It is important to remember that the caregiver is likely to have other jobs, people to meet, and other personal errands of their own. Hence, it is essential to inform the caregiver in advance if there are any changes to one’s schedule.
- Conveying one’s needs clearly
If an SMA patient is hiring someone through an agency or via the Internet, it is vital to know that the caregiver has probably had clients with a wide range of needs, levels of independence, and abilities. Hence, it is necessary for the patient to inform the caregiver about what their specific needs are, what tasks they can do, and what tasks they cannot perform. The best way that a caregiver will be able to help a patient properly and cater to all their needs is by just communicating with them. If one is used to doing certain things in a particular manner, let the caregiver know that beforehand so that they are able to do their job thoroughly by keeping their patient’s needs in mind.
- It is okay to have disagreements with the caregiver
When the caregiver is a friend or family member, fights and arguments are inevitable. However, when one has a fight, a confusion, a misunderstanding, or whether there is a simple disagreement with one’s caregiver, one needs to ensure that this tension does not last. It is important to communicate openly and work together towards solving the problem.
- Informing the caregiver in advance about any schedule changes