All The Untold Secrets Of Digital Photography

It’s amazing how far digital photography has come in the last decade! When the technology first came out many photographers were very skeptical and they believed that it was going to destroy the world of photography forever and they were scared that everyone was going to be able to become a photographer and remove any kind of professionalism associated with this art form. We all know this isn’t the case and in fact digital photography has done more for the world of photography than anything else in history.What we’ve come to realize is that digital photography and print photography have been split into two different categories and that neither of the two are better than each other. Going back to that belief that many photographers had about digital photography ruining any form of professionalism, this is of course not the case. There are many professional digital photographers who do amazing work and use this piece of technology to its fullest extent.So How Do I Get Involved In Digital Photography?Well it’s so simple, all you have to do is go out and buy a digital camera and start shooting! No but seriously though, there are some things you have to know first but they are pretty basic. First of all you are going to need to get a camera with a decent lens. Fortunately most professional cameras come digitally nowadays so you shouldn’t have any problem finding one. The benefit of having a camera with a great lens is that you will have the ability to focus on different things in your shots. This is the real art of photography, being able to show something that stands out and has meaning. That meaning you will of course have to find and explain yourself through your pictures.Benefits of Digital PhotographyThere are many benefits of digital photography but perhaps the most obvious is that you will have the ability to see what you have taken and choose whether or not it is worth keeping or discarding. The second benefit is that you can also upload your pictures onto your computer so you can edit and change them around. There are lots of different pieces of photo editing software out there that allow you to do amazing things.If you are just deciding to start digital photography now, then you have started at the right time as we will only start to see more and more advancements in this form of technology in the future which of course we will have the privilege of first trying and testing. Good luck!

Outdoor Fitness – Tips To Get Fit Out Of Doors

Experts advise to break up the long-term fitness goals into shorter, smaller and more realistic ones in order to ensure success and to be able to stick to an exercise regime, many professional health instructors suggest making work-outs fun to do! Once you eliminate boredom from an exercise routine, such as only working out on a stationery bike or hitting the home-gym where you are faced with the treadmill and the same old environment by taking your workout out, you stand a better chance of sticking to the routine – thanks to the novelty factor as well as the freshness of the ideas as such.

Moreover, with increased health awareness and learning about the ill-effects of obesity, there is no dearth of the number of open-air fitness options that are increasingly being made available to singles or groups of people wanting to explore being outdoors – and benefit health-wise from it, too!

So, it’s a common sight today to find people engaged in sporty pursuits for a health purpose as well as one that combines a certain amount of communing with nature or socializing such as walking the dog or swimming in a community pool ensures they benefit from.

The advantages to taking your daily work-out outdoors are many: from needing little by way of expensive gym equipment (read nothing more than your own two feet or a pair of dumbbells, if you wish) to avoiding the sweaty crowds at the local gym, from no having to drive back and forth to a health spa to availing the benefits of fresh and pure oxygen, from ensuring your daily dose of vitamin D that is only available from sunlight to being free to exercise anytime of the day, anywhere – the benefits of outdoorsy workout are huge!

There are also many different types of activities one can pursue outdoors, some of which we list here for your benefit and healthful knowledge:

Apart from exercising your lungs and filling them with pure oxygen that an outdoor work-out in the early morning guarantees you, you also get to benefit from the added room and spaciousness of an outdoor environment where you can perform lunges to build leg, buttock and thigh muscles. You can team these with other forms of exercise that are restricted by limited space indoors, such as jogging and stretching.

Thus, when outdoors, you can accommodate various forms of energetic exercise to sweat more, weigh less and look great by combining different motions such as performing standing lunges, brisk walking and rear lunges besides elevated walking.

The benefits of performing push-ups for a toned upper body are many and these can best be realized when performed in a natural environment that does away with the need for investing in a bench-press machine or an expensive gym membership fee. Basic movements for a push up includes standard, wide and close gripping of surfaces that will help to stimulate shoulder, chest and triceps muscles and this can be achieved with simple elevation of the hands; more intense work-outs can be performed by elevating your feet.

If you feel up to it, try clapping between push-ups or even squatting on one leg then standing and trying a wider stance; do remember to repeat till you feel the legs experiencing the effects of your efforts.

Other great outdoor exercises include sit-ups, chin-ups (try a tree or playground), uphill running or even walking like a duck – and you will be on your way to good health, cost-effectively!

Making Sense of Separately Managed Accounts and Individually Managed Accounts

Individually Managed Accounts (IMAs) and Separately Managed Accounts (SMAs) both offer investors a highly transparent managed share portfolio while avoiding the tax distortions that come with pooled investment vehicles such as managed funds.However, there are some important differences between individually and separately managed accounts and while they may sound very similar, these differences can have a significant impact on investment performance, suitability, and tax effectiveness.In General, Separately Managed Accounts are a good alternative to managed funds for many investors, while investors with $1 million or more, are likely to find the features of an IMA more compelling.The key differences between the two types of managed accounts rests in their approach to building an investment portfolio.SMAs are constructed with a ‘model portfolio’ where each investor receives precisely the same portfolio, based on a template created by the fund manager. IMAs however, are constructed individually for each investor, although each account will share some common holdings. These two approaches have some important differences:Investors in a SMA may buy stocks that have already enjoyed most of their returns, but remain in the model portfolio to avoid realising capital gains tax. IMA investors however will receive a portfolio that is assembled incrementally, as attractive opportunities arise.For the same reason, new investors in Separately Managed Accounts will receive a larger position in stocks that have already performed well, while IMA investors are likely to receive larger holdings in stocks the investment manager believes will perform well in future.IMAs also provide the ability to tailor the portfolio to the investor’s circumstances. For instance, an IMA manager may place more weight on generating franked dividends for a SMSF, while long term capital appreciation could be more valuable for an investor with a high tax rate. These differences in investment management help produce good after tax results for each investor. Since every investor in a SMA receives the same portfolio, the Separately Managed Account manager cannot factor individual considerations into their management.Both structures will allow the transfer an existing portfolio, with the IMA providing some additional flexibility and tax advantages. When importing an existing portfolio into a SMA, only those shares contained in the model portfolio will be retained and only to the proportion held in the model portfolio. Therefore, investors may still realise capital gains when entering an SMA. Conversely, a diligent IMA manager will adapt the existing portfolio over time and with consideration to tax events.Both offer tax effective investment management to tax conscience investors.For investors wishing to exclude individual stocks or sectors, an Individually Managed Account manager will hold alternative positions, while the SMA will generally hold cash in lieu of the excluded positions. This can have a significant impact on the portfolio’s overall returns.In executing trades, SMA investors will generally receive ‘at market’ prices on their transactions, while an IMA manager may attempt to get best execution and/or exercise discretion over the timing of buys and sells.Service levels are also different, with holders of Separately Managed Accounts receiving a service akin to a managed fund. while those using Individually Managed Accounts have ongoing access to the fund manager responsible for their portfolio and will likely receive personalised reporting.