Annual Multi Trip Travel Insurance Explained

An upshot of the escalation in the availability of discount flights and budget accommodation has been that more and more Australians are heading off overseas. Combine this with increasingly hectic schedules and you see more people taking a number of shorter breaks than one or two extended holidays. As a result, Australia's frequent travelers are discovering the remarkable value of annual multi trip travel insurance. If you're buying individual single trip travel insurance policies every time you go overseas you could be spending more than you need to on your travel insurance.

To ensure that you are choosing the most appropriate cover, think about the holidays, business trips and school trips you, your partner and your family are likely to take this year. If you're planning to travel overseas more than once, then buying an annual multi trip travel insurance policy could save you both valuable time and money compared to the inconvenience and expense of taking out several single trip travel insurance policies.

Annual multi trip travel insurance is a great way to guarantee that you are covered for all your trips, even those last minute breaks. An annual travel insurance policy will also give you peace of mind as you will not find yourself in the situation where you've forgotten to ensure that your travel insurance cover is in place. Once you have bought your policy, you can sit back and relax for the next 12 months knowing that both your leisure and business trips are suitably covered.

Here are a few things to look out for when buying annual multi trip cover:

¥ What is the maximum duration you can be insured for any one trip? Most policies have a maximum number of days for leisure travel and a maximum number of days for business leisure. If you are planning to be away for longer then you should look at buying a single trip travel insurance policy.

¥ Are you too old? Most policies have a maximum age.

¥ Is there a limit to the total number of trips through the year?

¥ Does it cover business travel?

¥ Does it allow your partner or children to travel on their own?

¥ Does it cover frequent flyer points?

¥ Does it cover trips within Australia?

Setting Up a Studio for You

With the new Nikon D7100 digital camera, you would expect to be able to turn your hand to almost anything. This versatile and flexible camera is designed to excel in all areas of photography. So, once it is out of the box, many new owners will be rushing to take portraits and still-life images in studio conditions. Obviously, if you can, you should always try to shoot in natural light – particularly if you are shooting portraits. If that is not feasible, the pop up flash can usually provide the necessary fill-in, or you could use you flash gun, carefully placed and fired remotely. In most circumstances these tools will help you to get a decent result. But a time will come when you decide you need more control and at that point you will want a studio set up.

If you are setting up your studio at home, the ideal scenario is to have a room specifically put aside for your photography. It should have plenty of space, a high ceiling and be at least 5 meters long. Paint the walls a color that does not reflect too much – black is ideal, but if you have to share the room, then gray would be OK. Cover the windows with blackout material to ensure that the light can not get in and also cover the doors to prevent further contamination. Ideally you only want to have the light that is under your control to be effecting your images. You will also need a good supply of electrical sockets.

Having closed out all external light sources, you can decide what lighting you want to have in your studio. Lighting falls into two categories – continuous or strobe. Continuous also has two options, either tungsten or fluorescent. Tungsten is very popular for portraititure because it gives good skin tones. It is naturally a ‘warm’ light, both in light and temperature (this can be a problem, if you make your subject sit under them for a long time). You would also want to use tungstens if you were shooting video.

Fluorescent lights have a more sterile white light with a blueish hue. They are often used for stock shots ad still-live photography, because it is felt that the colors are more accurate. Of course, it is up to the photographer to choose which he prefers. White balance, in the D7100′s settings will be able to rectify most light settings, but, as you are in charge of your lighting, it would be better to set the lights so that the subject appears as you want to see it. Relying on in-camera correctives is just another think to try to remember and sooner or later you will be cursing your memory and catching up in Photoshop.

The one great advantage of continuous lighting is that you can actually see how the subject will appear in the picture in real-time. This means that you get the lighting right and can then confidently address other variables like content and composition. With the strobe, you are sometimes not sure if the flash fired or not. In many ways continuous lighting is a lot easier, and I would recommend that you start with this. However, when you need to photograph something or someone and give the impression of movement, or freeze them in action, you will have to use strobe lighting.

Although strokes are more difficult to set up, they give the photographer bit more flexibility. The power of the flash can be increased or reduced to suit the photographer’s needs. This means that the photographer can design his lighting around his shutter speed requirement. Obviously, if the subject is moving and you do not want blur, you will need a fairly fast shutter speed. Once mastered, strobe lights are a great way to get the images you want. However, because they operate on a burst, they sometimes take a while to recharge.

If you start off with a couple of lights, the easiest way to set them up is with the soft box at the front and the spot at the back. The soft box emits a softer more even light that is easier to meter against. The soft box should be 6 feet away from the subject, near the camera. The other light should be at least 3 feet away from the back drop so that it gives an even background. I would advise getting some barn doors for the back light, so that the light does not spread where it is not wanted. Always set your trigger up to the front light and ensure that both lights fire at the same time. Most lighting systems have slaves built into them these days.

I usually begin a shoot on a standard 1/125 at f8 with an ISO set at 200. This gives me enough flexibility to change things around gradually if I need to. Most studio lenses operate comfortably at f8 and the shutter speed will catch most fluid movement. If you find the lighting a bit flat, move the soft box out wide to get some more definition and shadow, but always be aware that more shadow can be very unflattering, particularly if the subject has an angular face or large nose. I always start by getting the standard shots done – the full length, half-length and then move in tighter for head and shoulders or portrait. By the time you want to try something more interesting your model will have relaxed and you will have become more confident in the equipment and you abilities.

Shopping For Camping Chairs

If you have purchased camp chairs before, you know that you can find them almost anywhere: discount stores, sporting goods retailers, websites, even supermarkets and drug stores. As a result, you have probably never given much thought to where you should buy your next one.

On the other hand, would not you like to find the chair you really want and feel like you got the best price without running all over town or spending a bunch of time surfing the web? Assuming you know what you want, which of these many choices will give you the best deal? Let's take a look at each of these options.

Let's start with the least reasonably sources. Without you spot something in their weekly ads or happen to see the perfect chair when you are there shopping for other things, places like pharmacies, supermarkets and office supply stores (Yep … I've seen camping chairs there!) Are not going To have what you are looking for. You may get lucky, but these retailers should not be your first choice.

Shopping for camp chairs online looks like the easiest route. You can sit in the comfort of your home and browse through different websites while keeping your other eye on the ballgame. What could be simpler?

Unfortunately, it is pretty rare to find the best camping chair prices online. Generally speaking, you will find better deals in brick-and-mortar stores. Even the discount chain websites usually do not feature their least-expensive chairs … you have to get in the car and go look for those in person. On top of all that, you will probably have to pay for shipping, and then wait to have the chair delivered.

So, shopping for a camping chair online may not be the best plan, but it can save you time in researching the different types of chairs available.

The big discount chains often seem like the obvious place to look for a camp chair. They emphasize low prices, and they will indeed beat out the other retailers much of the time.

On the other hand, there selection is not always that good. You may not find more than four or five choices, none of which may suit your needs. Remember, these stores sell everything from groceries to dresses to HD TVs, so they will only allot so much space, sometimes one aisle, to camping equipment, and only a small portion of that to chairs. Still, if you just want a cheap, basic camping chair, these are not bad places to look out.

Your best bet for finding a camp chair, however, is probably one of the sporting goods or outdoor gear chains. These retailers will give a lot more space to camping chairs … sometimes more than one aisle. This means a lot of choices, so you can find exactly what you want.

Not only that, but because these retailers know how easy it is for you to just pick up a cheap chair at a discount store, they are almost always running sales that will save you a few bucks. Finally, if you have questions about a chair, the staff at one of these stores will probably be able to answer it. That beats the heck out of a blank look and a shrug.

After reviewing these options, you should be able to find the camping chair you want with less hassle and at the price you want. Take a look at your local discount store if you already have to go there for something else. Otherwise, you will save the most time and effort by heading over to the sporting goods place. Happy shopping!

Pet Insurance Horse Coverage

Many people board horses and often pay high expenses to cover the pets. Dogs, cats, and other household pets often go without care because the owners cannot afford to pay the medical treatment and medicines to care for the pets. Horses are more expensive than common pets, but the laws state that these creatures need medical treatment and vaccines, thus what can an owner do. Owners can take out pet insurance policies that will cover the pets 80/20 in most instances. Horses undergo various different ills than common pets, thus, special coverage is needed for these beautiful creatures.

The Internet has a wealth of resources that specialize in pet insurance, including horses’ coverage. Few owners may have other types of pets that will need specialized coverage, including goats, cows, hermits, pigs, mice, guinea pigs and so forth. While most insurance coverage plans will not cover many of the different household pets, few will offer coverage to common pets, including horses.

Horses are high maintenance critters that require special coverage. Thus, the Internet is open to suggestions, making available horse policy that will offer a generous amount of coverage to owners. Few policies will cover dental work, including coverage for both pet and owner. The policy will offer “personal accidental” coverage, and so forth. The downside is these insurance policies often cost more in premiums than standard insurance policies. Since we are dealing with a huge high maintenance animal, the premiums are higher, since the company will be paying out a fortune for vet care.

One of the common laws regarding horses that apply to owners in various states is the Equine Warning Laws. These laws protect horses and owners against liability, damage, and so forth. The owner is responsible to put up Warning Signs to warn the visitors that accidents/incidents can happen and direct them to safety, plus telling them, they are not reliable if the visitor fails to adhere to the warnings. Not every state has this law to protect homeowners; therefore, the owner would be wise to look for Pet insurance that will cover liability. Pet insurance coverage for horses will often cover the pet and the objects used for the pets needs, including horse trailers. The policies will cover theft, damage, loss, and so forth.

What horse insurance covers

Each policy is different, but few company’s will cover liability, death, stables, personal accidents, theft, riding liability, ‘loss of entry fees,’ hire in for horse maintenance, dental, straying, saddles, tack, vets charges, and so forth. Some of the leading claims filed for horse care are death accident/illness, vet fees for accident/illness, tack and saddler fees. Few providers offer comprehensive coverage to horses extending the coverage to more than forty different states. Thus, pet insurance for horses can offer advantages to owners that transport their horse out of state for shows, trades, and so forth.

Filing Claims

Many of the claims are similar to standard forms, however few companies’ present claims that target the specific incident and/or accident, including illness. For example, if you horse is ill then the company may send a form for that specific need. The company will recommend that you immediately contact the company via the toll-free hotline provided to you and immediately seek treatment for your animal. After you are done at the vet, the company will encourage you to make contact with the company. The claim forms are often downloadable online, thus making it convenient and easy to get the claims to the insurer immediately. Of course, you must go through the same procedures as standard health insurance, by sending receipts to the company. The hotline is setup so that you can get immediate disbursement if necessary.

Advisory: horse insurance may come with higher premiums if your animal is a high-risk. If your horse is used at Rodeos, Racing and so forth, there may be additional coverage needed, and you should expect to pay higher premiums. Few insurance companies may offer generous rates even if your pet is high-risk, so again shopping around are the best solution for getting great rates and comprehensive coverage.