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Baby Insurance Commercial Question & Answers

2013 November 8
by Sarah Fields

Linda asks…

I have just begun as Free-lance Photographer.How much should I be charging for my work?

I do not have any lighting equipment or studio yet.I already have 2 assignments – one for a Modelling portfolio and other a Baby Portrait.I am based in Mumbai,India.

Sarah Fields answers:

You need to factor in quite a few things.

1- your business operating costs.
So the day to day costs of running a business,: funds for your portfolios, business cards, web hosting, domain name registration, liability insurance, equipment insurance, gear replacement fund, gear aquisition fund, marketing budget, telephone, printing of contracts … So on so forth.

Add up your yearly costs for all of this and then divide it by the number of contracts you intend to get in the year (estimated).

2- you actual shoot costs.
What does each shoot costs YOU to do? Travel, prints, gear rental, parking, admission to location, model fees, makeup artist fees, stylist fees, wardrobe fees, assistant salary …

You need to factor that in for each shoot and each shoot will be different.

3- the usage intended for the images.
Is this for a mother to be or is it for a lrge corporation’s catalogue? Ids it for personal use or commercial use?

4- finally, take the shooting time, add in the time it took for you to get the contract( meeting with the clients, travel time), add in the time to post process the images, the time to sift through the images, the time to get the final product put together … Add up all that time and multiply that by the salry you want (let’s say 20$ an hour … A 10 hour wedding is really 16 hours of work. 20X16 = 320$ for example.).

Now add all that up and that is your final price. You might want to compare it to others in your market and adjust it a bit but steps 1 to 3 are essential or else you are LOSING money.

Good luck.

George asks…

How to keep my hair from not being greasy looking?

I have really greasy hair naturally I guess, I take a shower every morning before school, I can’t go a day without washing it, actually..

If it makes a difference, I use Mane and Tail shampoo, Tresémme color protectence conditioner, Aussie Hair Insurance leave in conditioner, and Aussie 3 minuet Miracle.

My hair is dyed black so the baby powder tip won’t work, or the baking soda. Is there anything else?

Sarah Fields answers:

If you’ve watched the Miss Universe weeks ago, SEVERAL OF THE WOMEN there, have greasy hair, and they have used CHI products to curl all their VERY LONG HAIR, with professional hairstylist standing by, to do touch ups. There are no touch-ups, when you do your own hair, and you’re going outside in the wind, rain, etc. . . . That flattens and pollute the hair even more. Another reason, why the hair industry is a trillion dollar business. Nicole Kidman, too, during the SAG Award, her hair is greasy & thinNER 1-27-13. Google her when she did the movie with Tom Cruise, Days of Thunder 1990.

Causes for greasy hair:
You’re using the wrong shampoo. Many are formulated for damaged, curly hair or fine hair. I’d take them back. One hotel sample shampoo I have, made my hair greasy by the 2nd day, and I started itching, they normally sell for $15. JLo’s New Loreal Commercial? Her hair is greasy & flat there!
You’re having conditioner buildup. Many don’t even need conditioner. I don’t, haven’t used it for over 16 years.
You’re using oil on your hair, to protect your hair from straightening/curling tools.
You’re eating too many oily foods.
You’re shampooing frequently.
You’re using too many hair products: gel, mousse, you’re not letting your hair breath. Too much product can limit natural hair movement, clump hair together, weigh it down and make it look greasy and thin. BTW: Hair products are NOT made of glue to fix, prevent, reverse hair from getting damaged, or hair loss, or make them grow . . . . They are a trillion dollar business. They also do NOT give money back guarantee for damaged hair or hair loss caused by heat & chemicals – hair’s worst enemies. > > > Hair dye chemicals linked to cancer
London, Feb 20, 2013 I’ve been saying that since 2009.
Hair dyes, which include home hair colouring kits and those used at pricey salons, are linked to deadly cancer-causing chemicals, warn scientists. < < < <
You're going to bed with damp hair.
Your liquid make up or moisturizer can evaporate and touches your hair. Rinse your face well before going to bed.
“Very hot water is harmful for your scalp  — even more than it is for your hair,” says Nina Lotia of Toni&Guy Karachi feels water should be warm and not too hot. “It helps providing a healthy pH balance; hot water, on the other hand, makes your scalp oily,” she says.
After shampooing, use two towels (long hair) to absorb most of the water from your hair. Blow-dry only for 5 mins. Concentrate on the roots, before going to bed, if you're shampooing before bed.

Find the cause then eliminate them.

I DID AN EXPERIMENTATION, and this was for one day: I used the same shampoo. Since I was in a hurry, I only blow dried my hair just the roots, leaving half of my hair not dried. So, I put it up in a bun. Eight hours later, I decided to take the bun out, and my hair was still damped, stringy, greasy! I tried blow-drying it, but it didn't get dried, there's no way to get them dried, and I used my blow-dryer. I even stood by the air fan, since it was hot, and my hair didn't go back to normal, but the roots of my hair was as silky, soft, smooth like always. The following day, my hair was as greasy, but the roots remained normal. WHY? Because the shampoo ingredients, and not getting them 95% dried, tampered the hair. Good way if you have frizzy hair, but not to my normal hair.

Chris asks…

How many commercial flights can be purchased with $500,000,000 dollars?

Just curious how this Congress is justifying the purchase of their new jets.

How much is the insurance for one of those babies? Jet fuel cost per trip? Carbon footprint?

I am so happy to see they are trying to save us money and save the planet at the same time.
Sorry, I guess it is actually $550,000,000. Whats a few million more from China.

Sarah Fields answers:

In response to John, Most of them aren’t even recognized and if they are the only security they need is to keep them from being confronted about their own stupidity. As far as when and where commercial flights are going they get close enough that Joe Shmoe congressman or senator can make do. When it comes to working on the plane, give me a break most of them can’t find the time to work in their offices.

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