The Essential Tools Inside a Pro Travel Photographers Bag.Theres more to a travel photographers kit than a camera body and a few lenses.Here are the essentials the pros always keep close at hand.J64.jpg' alt='Adobe Flash Player Bad Performance At The Apollo' title='Adobe Flash Player Bad Performance At The Apollo' />I shoved my phone in my husbands face to show him a picture Id taken of the New York skyline.Read more Read. I recently took a trip to Cuba with some professional photographers, filmmakers, and travel influencers to learn the ins and outs of capturing the world on digital film full disclosure this trip was paid for by Adobe.While we toured the colorful streets of Havana and navigated the luscious countryside of Viales, I asked the pros to show me the inside of their bags in between shooting sessions.Renan Ozturk renanozturk, a photographer and filmmaker for National Geographic, Elisabeth Brentano elisabethontheroad, a professional landscape photographer, and a few other experienced travelers were gracious enough to show me everything they carried with them.Heres a quick rundown Air blower mini blimp or mini rocket A brilliant little device you squeeze to shoot out blasts of air.Perfect for cleaning dust and debris off your camera lenses and sensitive electronics.You can get one of Giottos blasters for about 1.Microfiber lens wipes Microfiber cloths work well enough, but they absorb oils, dirty water, and pick up all that dust youre cleaning off your gear.Disposable microfiber wipes like Kimwipes box of 2.Plus, you can tear off a couple for your bag and put some in your pocket.Adobe Flash Player Bad Performance At The Apollo' title='Adobe Flash Player Bad Performance At The Apollo' />Etip gloves If youre shooting somewhere cold and youre shooting on your phone, or have any other touchscreen devices, these are a must.They also provide pretty good finger articulation, which is nice while youre shooting photos.You can grab a nice pair from The North Face for around 3.Pocket hand warmers These keep your hands warm, yes, but you can also use them to keep your extra camera batteries warm so they dont die before you can use them.Also works well for keeping your phone from dying when its freezing out.The popular Hot Hands kind cost about 7 for 1.Flip flops Sometimes your excursions go from dry land to water, and its a good idea to keep your socks and shoes dry. 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Thin, easy to pack, and super cheap to boot most pairs are less than 1.Sunglasses Ozturk says sunglasses are like neutral density filters for your eyes.You invest in good glass for your camera, so why wouldnt do the same for your eyes You kind of need them for photography after all.Lightweight tripod Ozturks preferred tripod is a carbon fiber model, while Brentanos was an aluminum alloy model.Both super light, but these can be pretty expensive like upwards of 2.This ZOMEI Aluminum Portable Tripod 7.Background There have been conflicting reports on the efficacy of recombinant human activated protein C, or drotrecogin alfa activated DrotAA, for the treatment.Socks Always wear some nice socks, preferably synthetic or wool.In fact, Ozturk wears ski socks.They dont get stinky as fast as cotton socks, and they last forever.You can buy a pair of Wigwam performance ski socks for less than 2.Rain gear A lightweight rain poncho or rain jacket 1.Not a bad idea to pick up a camera rain cover too 1.Filters Neutral density filters for shooting waterfalls beaches and other waterscapes, and a polarizing filter for shooting brightly lit skies and lakes.Nice camera strap I was shown this nifty camera strap from Peak Design 6.I bought one as soon as I got back in the states.Super sturdy, but cameras can clip on and off the strap in a snap.Mini photo printer The Fujifilm Instax Smartphone printer 1.Josh Haftel, the Adobe Photoshop Lightroom mobile product manager, showed me it has an excellent hidden use for travel photogs.You can give recently shot photos to people in exchange for taking their photo instead of money tips.Its especially great for kids when you want to give out gifts.Tablet and SD card dongle Ozturk likes to edit his photos on the go bus, train, plane, hotel lobbies, at dinner, using Lightroom Mobile on an i.Pad Pro. i. Pads are lighter than laptops, have just as much power or at least as much as you need for photo edits, are super thin, have more screen real estate than a smartphone, and you can import RAW images for editing with an SD card dongle.I was so impressed with his workflow, I bought a used i.Pad Pro and adopted the same setup.Of course, there are a lot of other essentials youd expect as well.Things like extra camera batteries, extra memory cards stored in a plastic bag, not a carrying case, snacks jerky, energy bars, etc., lotion, sunscreen, chapstick, a hat that provides adequate shade, a portable charger a solar powered one if youll be in a sunny place, and maybe an extra camera body as a backup if youre traveling to a place where camera repair wont be possible.Whatever you pack in your own travel photography bags, Ozturk and Brentano both suggest you keep it as light as possible.See the best sites around the world often means a ton of walking, hiking, backpacking, and possibly even climbing.They stick to mid range camera bags, which, when full, weigh around 2.But if they need to go super lightweight, they get their bags down to 5 to 1.In general, Ozturk recommends you ditch the original packaging and bulky caseslike memory card or battery caseswhenever you can.Pare down, carry less, and carry thin.As a solo traveler, its challenging to capture my adventures I want to include myself in theRead more Read.
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Personal finance news, advice information.Weve noticed youre adblocking.We rely on advertising to help fund our award winning journalism.We urge you to turn off your ad blocker for The Telegraph website so that you can continue to access our quality content in the future.Thank you for your support.Low Risk Bets For Long Term Profits Exercise' title='Low Risk Bets For Long Term Profits Exercise' />Get the latest news and analysis in the stock market today, including national and world stock market news, business news, financial news and more.Causes of the Great Recession.Many factors directly and indirectly caused the Great Recession which started in 2.US subprime mortgage crisis, with experts and economists placing different weights on particular causes.Major causes of the initial subprime mortgage crisis and following recession include International trade imbalances and lax lending standards contributing to high levels of developed country household debt and real estate bubbles that have since burst U.S. government housing policies and limited regulation of non depository financial institutions.Once the recession began, various responses were attempted with different degrees of success.These included fiscal policies of governments monetary policies of central banks measures designed to help indebted consumers refinance their mortgage debt and inconsistent approaches used by nations to bail out troubled banking industries and private bondholders, assuming private debt burdens or socializing losses.One narrative describing the causes of the crisis begins with the significant increase in savings available for investment during the 2.This Giant Pool of Money increased as savings from high growth developing nations entered global capital markets.Investors searching for higher yields than those offered by U.S. Treasury bonds sought alternatives globally.The temptation offered by such readily available savings overwhelmed the policy and regulatory control mechanisms in country after country, as lenders and borrowers put these savings to use, generating bubble after bubble across the globe.While these bubbles have burst, causing asset prices e.The effect of this debt overhang is to slow consumption and therefore economic growth and is referred to as a balance sheet recession or debt deflation. Install Arch Linux From Live Usb Ubuntu . The fall in asset prices such as subprime mortgage backed securities during 2.U. S., which includes investment banks and other non depository financial entities.This system had grown to rival the depository system in scale yet was not subject to the same regulatory safeguards.Struggling banks in the U.To understand why the market always goes up we need to look a bit more closely at what the Market actually is.The chart above represents the DJIA Dow Jones.The Paper is intended as a means to understand the importance of Enterprise risk management during the period of financial crunch and market liquidity.The current. S. and Europe cut back lending causing a credit crunch.Consumers and some governments were no longer able to borrow and spend at pre crisis levels.Businesses also cut back their investments as demand faltered and reduced their workforces.Higher unemployment due to the recession made it more difficult for consumers and countries to honor their obligations.This caused financial institution losses to surge, deepening the credit crunch, thereby creating an adverse feedback loop.The U. S. Financial Crisis Inquiry Commission reported its findings in January 2.It concluded that the crisis was avoidable and was caused by Widespread failures in financial regulation, including the Federal Reserves failure to stem the tide of toxic mortgages Dramatic breakdowns in corporate governance including too many financial firms acting recklessly and taking on too much risk An explosive mix of excessive borrowing and risk by households and Wall Street that put the financial system on a collision course with crisis Key policy makers ill prepared for the crisis, lacking a full understanding of the financial system they oversaw and systemic breaches in accountability and ethics at all levels.Overviewedit. Housing price appreciation in selected countries, 2.U. S. households and financial businesses significantly increased borrowing leverage in the years leading up to the crisis.The immediate or proximate cause of the crisis in 2.Bear Stearns in March 2.Legal Notices Stansberry Research LLC Stansberry Research is a publishing company and the indicators, strategies, reports, articles and all other features of our.Lehman Brothers in September 2.Many of these institutions had invested in risky securities that lost much or all of their value when U.S. and European housing bubbles began to deflate during the 2.Further, many institutions had become dependent on short term overnight funding markets subject to disruption.The origin of these housing bubbles involves two major factors 1 Low interest rates in the U.S. and Europe following the 2.U. S. recession and 2 Significant growth in savings available from developing nations due to ongoing trade imbalances.These factors drove a large increase in demand for high yield investments.Large investment banks connected the housing markets to this large supply of savings via innovative new securities, fueling housing bubbles in the U.S. and Europe. 9Many institutions lowered credit standards to continue feeding the global demand for mortgage securities, generating huge profits that their investors shared.They also shared the risk.When the bubbles developed, household debt levels rose sharply after the year 2.Households became dependent on being able to refinance their mortgages.Further, U. S. households often had adjustable rate mortgages, which had lower initial interest rates and payments that later rose.When global credit markets essentially stopped funding mortgage related investments in the 2.U. S. homeowners were no longer able to refinance and defaulted in record numbers, leading to the collapse of securities backed by these mortgages that now pervaded the system.The failure rates of subprime mortgages were the first symptom of a credit boom turned to bust and of a real estate shock.But large default rates on subprime mortgages cannot account for the severity of the crisis.Rather, low quality mortgages acted as an accelerant to the fire that spread through the entire financial system.The latter had become fragile as a result of several factors that are unique to this crisis the transfer of assets from the balance sheets of banks to the markets, the creation of complex and opaque assets, the failure of ratings agencies to properly assess the risk of such assets, and the application of fair value accounting.To these novel factors, one must add the now standard failure of regulators and supervisors in spotting and correcting the emerging weaknesses.Federal Reserve Chair Ben Bernanke testified in September 2.He wrote that there were shocks or triggers i.Examples of triggers included losses on subprime mortgage securities that began in 2.Examples of vulnerabilities in the private sector included financial institution dependence on unstable sources of short term funding such as repurchase agreements or Repos deficiencies in corporate risk management excessive use of leverage borrowing to invest and inappropriate usage of derivatives as a tool for taking excessive risks.Examples of vulnerabilities in the public sector included statutory gaps and conflicts between regulators ineffective use of regulatory authority and ineffective crisis management capabilities.Bernanke also discussed Too big to fail institutions, monetary policy, and trade deficits.Economists surveyed by the University of Chicago rated the factors that caused the crisis in order of importance.The results included 1 Flawed financial sector regulation and supervision 2 Underestimating risks in financial engineering e.CDOs 3 Mortgage fraud and bad incentives 4 Short term funding decisions and corresponding runs in those markets e.Credit rating agency failures.The majority report of the U.S. Financial Crisis Inquiry Commission supported by six Democrat appointees without Republican participation reported its findings in January 2.It concluded that the crisis was avoidable and was caused by Widespread failures in financial regulation, including the Federal Reserves failure to stem the tide of toxic mortgages Dramatic breakdowns in corporate governance including too many financial firms acting recklessly and taking on too much risk An explosive mix of excessive borrowing and risk by households and Wall Street that put the financial system on a collision course with crisis Key policy makers ill prepared for the crisis, lacking a full understanding of the financial system they oversaw and systemic breaches in accountability and ethics at all levels.Narrativesedit. U.S. residential and non residential investment fell relative to GDP during the crisis.There are several narratives attempting to place the causes of the crisis into context, with overlapping elements.Five such narratives include There was the equivalent of a bank run on the shadow banking system, which includes investment banks and other non depository financial entities. 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