#3. Affordable smartphone

[anakeb]

Samsung Galaxy S23 FE Review: A Feature-Packed and Affordable Smartphone

Samsung Galaxy S23 FE

Galaxy S23 FE review

Affordable smartphone

Premium features

Samsung One UI

5G connectivity

Camera capabilities

Battery life

Performance

Smartphone design

[michaelsmith-us]

Moto G45 5G: Revolutionizing Budget Smartphones with Power and Style

Introduction: A New Contender in the Budget Arena In a world where smartphones are becoming increasingly expensive, Motorola has stepped up to deliver a device that combines performance, style, and affordability. The newly launched Moto G45 5G promises to redefine what we expect from budget-friendly phones. Packed with impressive specs like the Snapdragon 6s Gen 3 chipset, a massive 5,000 mAh…

[keshavkumar]

OnePlus Nord CE 3 Lite: A budget smartphone with impressive features and Amazon offers

OnePlus Nord CE 3 Lite: Unbeatable Price for Remarkable Performance The OnePlus Nord CE 3 Lite offers an unbeatable price-to-performance ratio, making it an ideal choice for budget-conscious consumers. Despite its affordable price tag, this smartphone boasts of impressive specifications and features that can rival more expensive devices in the market. Let us find out what sets this phone apart…

[sirfrogsworth]

Smartphone cameras are NOT getting worse. (See below for phone photography tips)

I've now seen 3 pro photographers reviewing the iPhone 16 and complaining the cameras are "worse" and blaming Apple for not including revolutionary new camera technology.

And I suppose this is partly Apple's fault. Their marketing and hype machine always goes overboard. But also, that's just how marketing works. Samsung has a "200 megapixel" sensor and Sony has a "Zeiss" lens. And I think it is unrealistic to expect smartphone companies to say "This product has entered the iterative phase and each new model will only be marginally improved over the last one."

Smartphones (from any brand) have become an appliance. You don't buy a new model of microwave every year. And you don't expect every new model of microwave to have new revolutionary technology. And that is pretty much the expectation you should have with most computer hardware from here on out.

And in some ways, that is a good thing. That means the design of the phone has pretty much been perfected and it will last you a long time if you take care of it. You will not be left behind and your phone will be able to handle any new software for most of its lifespan.

So, is Apple getting lazy or is there a reason their hardware is stagnating?

It seems that neither money nor marketing can change the laws of physics.

They cannot make transistors much smaller. Phones and computers are about as fast as current hardware designs can make them (unless there is a shocking scientific breakthrough). From here on out, heavy compute tasks that are beyond your phone or computer will be done in the cloud on giant computer clusters. Thankfully computers and phones seem to be plenty fast for the majority of tasks we ask of them.

I remember Katrina telling me her new computer didn't seem any faster. And I explained the computing tasks she does regularly were not really affected by the increased power and speed of her new computer. If something took 0.1 seconds before and now it takes 0.05 seconds, that is twice as fast. An increase in speed that looks fantastic in advertisements. But it is hard for our brains to perceive. She just didn't do anything on her computer that took it long enough for her to notice. But having a faster and more powerful computer/phone will increase its lifespan and resale value, so it is still prudent to get the best things you can afford at time of purchase.

And I'm afraid smartphone cameras are hitting their own hardware limitations. They can't make the sensors much larger to get better depth of field and low light performance. And cramming in more megapixels doesn't actually add much more detail, if any.

It's physics.

Again.

You cannot get any more performance out of a small plastic lens. Why do you think pro photographers haul around 10 pound lenses still?

There is a formula for detail that never seems to be explained in any camera marketing.

Here is the simplified version...

Detail = Sensor x Lens

Let's say 1 is perfection. You have a sensor that performs at 0.5 and a lens that performs at 0.2.

The total detail will be 0.1.

But in the new model you increase the performance of the sensor to 0.8. WOW! That's so close to 1!

The total detail will be... 0.16.

Now let's imagine we've discovered a magic, physics-defying tiny plastic lens that performs at 0.8 as well.

The total detail jumps to 0.64!

But we all get sucked into a wormhole because we violated the laws of the universe.

Even if you were to design a near perfect (perfect is impossible) sensor that scores 0.99.

Without that magic plastic lens... 0.198

This is why I put Samsung's "200 megapixel" sensors in quotes. Because when paired with the same tiny plastic lens, there isn't much improvement. And that's why a 12 megapixel DSLR from 10 years ago with a giant honking lens can still capture more detail.

Most of the quality from smartphone cameras comes from the computational software processing. Phones actually take many photos at once and combine them to get you a decent image.

While that is still improving a little bit each generation, those improvements are stagnating as well. Until image processing can do a better job of inventing more detail realistically, smartphones are going to have to obey the laws of physics.

So... why are photographers saying the iPhone cameras are worse?

First, the ultra wide angle lens looks softer in low light.

And if you zoom between 1x and 5x, the images look less detailed.

But neither of those things make the cameras *worse*. In fact, the cameras are better for the most part. It's just that Apple decided to compromise on one aspect to improve another. Probably due to market research telling them most people prioritize certain things over others when taking photos.

They increased the resolution of the ultra wide angle sensor to match the detail of the main sensor, but that seems to have lowered the low light performance of the ultra wide. So in good light, you will see an improvement in sharpness. But they could not increase the sensor size to compensate and smaller pixels can have trouble with dim conditions. They probably discovered that people mostly use that lens in good light and they would appreciate the bump in detail more.

But pro photographers often photograph in more challenging lighting conditions because you can capture a more artistic shot. I don't think I could have gotten this shot on a smartphone.

But photo normies are just taking pics of their kids doing weird kid shit.

They aren't really trying to push the limits of their ultra wide angle lenses.

And they increased the zoom of the telephoto lens to 5x from 3x because most people never used the 3x. So images at 5x look great now, but unfortunately if you use anything between 1x and 5x, your image will be *digitally* zoomed. Which is never as good as optical zoom. They basically crop the photo, zoom in, and add sharpening.

So they prioritized people having longer reach and more zoom at the expense of that middle zoom range. Every camera system makes tradeoffs and compromises.

And I hate that I always feel like I am defending Apple, because they do have misleading and dishonest marketing regarding a lot of aspects of their tech. But hating on Apple gets more clicks so content creators also make misleading and dishonest claims.

And so we are just surrounded in a circle of hyperbole from all sides.

Now, if you know these limitations, you can change your approach to photographing stuff to keep them from being an issue. You can reap the benefits without dealing with the new compromises.

Here are some tips to help owners of the new iPhone, but also everyone else too.

Smartphone Photography Tips

Whenever possible, try to use the main 1x camera at only 1x zoom. This has the largest sensor with the most detail and works best in the lowest light. Only use the ultra wide or telephoto if you cannot get the photo otherwise. If you aren't sure you have enough light for ultra wide, take the photo, and then as a safety, take two photos with the main camera side by side and stitch them later with a pano app.

"Zoom with your feet" and don't use "in-between" zooms. Let's say your lenses do 0.5x, 1x, and 5x zoom. Even though you have the option to use other zooms, like 2x or 3x, that is going to compromise your picture quality. It is essentially going to crop your photo and enlarge it, which causes a loss of detail. If fact, if you use 4.5x instead of 5x, your picture will probably look like trash. You are always going to get better results if you can move closer or step back so that you are using the native focal length of your chosen lens. For example, let's say you are taking a photo and you judge the best framing to be at 4x. But you still have 10 feet of space behind you. If you back up and then zoom in to 5x, the phone will switch to that lens and you will get a much clearer picture.

Rule of thumb...

1 to 3x... try to move closer.

4 to 5x... try to move back.

If you hit a wall and end up at 4.5x, you might see if you have a panorama mode and try that instead. Switch to your 5x and do the pano. Or you can take two photos and then stitch them together with software later on. (Stitching panos with an app later will give better quality than pano mode, especially in low light.)

Low light needs stability. Get some sort of stabilizing device for low light photos. Either a phone case that lets you stand up the phone on its own or a mini tripod.

This thing folds to the size of a credit card.

Your phone will detect when it is stable and not being handheld. It will then automatically extend its shutter speed allowing it to drink in more light and give you a better picture.

Tripods are photography magic and will improve your low light photos quite a bit. Motion blur of moving subjects can still be an issue, but photos of a cityscape or landscape will look great.

For selfies, shoot a little bit wide and then crop in. This goes a little contrary to my earlier advice saying cropping lowers detail, but this is specifically for shooting a face. The 0.5x and 1x lenses on smartphone cameras are fairly wide angle. This can cause unflattering proportions with human faces. Wide angle lenses exaggerate distance. Near things look very near and far things look very far. To a wide angle lens, the tip of your nose looks like it is super close but your ears seem like they are a mile away. And that's why you may look a bit "alien" in your selfies.

People's natural instinct is to "fill the frame" with a face. The outer edges of a wide angle lens are more distorted than the very center. So try to keep faces away from the edges of the frame.

And one other trick you can do for selfies and pictures of faces is step back a few feet. Sometimes this is hard, especially with selfies, as your arm is only so long... but if you can take your face photos from just a little bit farther back, you will almost entirely eliminate unflattering distortion. In some cases, just stretching out your arm as far as it will go is enough.

Then you just crop the image with the framing you originally wanted, and your facial proportions will look great.

An example...

Here the distortion is bad because I am not in the center and the lens is too close to my face. The lens thinks my nose is really close and my ears are in Canada.

But when the lens is farther back the edge distortion is less prevalent and my nose and ears (relative to the lens) seem roughly the same distance away. So my proportions look great, but I don't quite have the framing I want.

But with a little cropping...

For social media there is still plenty of resolution to crop in. Cropping isn't bad, it's just always better to use it as a last resort or in a special circumstance like this. I get roughly the same framing as in my wide angle shot, but I don't look like I'm behind a door's peephole trying to sell you the Good News.

I wish they made a "mini" selfie stick that only extended a foot or so. With the main camera that is usually all people need to undo any wide angle issues. I have one of those mini tripods and that works well, but there is no activation button so I have to do a timer. Mirrors work great to help you get some selfie distance.

In any case, all cameras have limitations and compromises. Clickbait titles saying something is WORSE THAN THE OLD ONE are frustrating and wrong.

And people upgrading phones every year are silly. All current name brand smartphones have promised at least 5 years of software updates. I think Google and Samsung are offering 7 years on some models. And Apple has always just let you use your phone until it literally will not work with new software. Which has worked out to 8 years in some cases (with a battery swap).

Phones are now appliances. For now, hardware will improve 10 to 15% from generation to generation until physics breaks. So if you want a 50% improvement, wait 5 years and you'll think your new phone is awesome. If you upgrade every year, it is going to be difficult to see the change.

I hope to be starting a little course on smartphone photography in the near future. All modern phones are capable of taking amazing pictures. And as long as you understand their limitations you can mitigate or avoid them. And that is what I plan to teach.

[thefrogman]

Recently I took a panorama of the Pittsburgh skyline at night that got a positive response. That was done on the spur of the moment with an iPhone. I want to do that again and more, but this time with a dedicated camera setup. It's been years since I've had one, so I'm basically starting over again. I'm mostly interested in getting day and night cityscapes, and maybe the carryings-on at this year's Anthrocon. Would you have any particular knowledge to pass on as I set off on this journey?

Since you didn't specify a budget I'm going to assume it is in the $10K range.

And you're probably thinking I'm going to suggest a Leica. Every dentist and his brother (who is also a dentist) gets a Leica. But I just can't take a camera brand seriously when they charge you an extra $2200 for the privilege of not being able to shoot in color.

Sure, you can hit a single button in Lightroom to get B&W and save some money, but then you won't be able to brag about how limiting yourself to only shades of gray has opened up new artistic pathways in your brain while a clueless person responds in mumbles during their root canal.

What you really want for your landscapes is a Hassie.

They were the first camera on the moon! How could you *not* want a Hasselblad? That is some camera gorgeousness right there. And it's so reasonably priced*!

*compared to their previous $40,000 camera systems.

And if you are doing landscapes with the Hassie you'll need a nice wide angle lens to go with it. This one is actually quite affordable*!

*compared to their previous $8000 lenses.

Can we all agree that is a work of art? They even use their H logo as the knurling.

That is just so... extra. And I love it.

Out of the entire alphabet I've heard Hs give you the best grip.

Man, I almost wish I was a dentist just so I could buy a fancy camera.

Sorry... I was just having a little fun.

I never get to recommend the super cool expensive cameras. Because, ya know, the economy and the fact that only dentists have Hasselblad money.

You probably think I'm being silly but there actually is an entire community of dentist photographers keeping the high end camera market alive.

Okay, let's get started...

Landscape Buying Guide

Opening Thoughts

For landscapes I would highly suggest a full frame camera and a high quality wide angle lens.

Full frame has several advantages but it is not necessary. You can go with a smaller sensor like APS-C and get great images. Personally I would not go any smaller, but there have been some great landscapes taken on micro 4/3 and even smartphones. Technique, knowledge, experience, and composition will usually win the day over a camera, but having a nice camera makes things a lot easier.

At this point, with full frame options being very affordable now, the main reason to get a smaller sensor is if you want a smaller system that is easier to carry for extended periods and easier to pack when traveling. Or if you aren't sure you want to take on photography as a hobby, you can get an old APS-C DSLR for under $200 to learn with and test out.

So if you need a very cheap OR very compact system, APS-C and Micro 4/3 might be worth considering, but a bigger sensor will cause less frustration most of the time.

Froggie Note: The expensive Micro 4/3 and APS-C systems are the compact ones. The cheap systems are about as bulky as full frame.

The biggest advantages to full frame are low light shooting, lens selection, and field of view. Full frame cameras have many, many more lenses to choose from. And since the sensor is bigger, it is much easier to get a wider field of view that is often needed for landscapes. And the high ISO noise performance tends to be better on full frame.

However, you can use full frame lenses on APS-C camera bodies within the same ecosystem. They just get a little... zoomier. Roughly 1.5x zoomier. A 35mm acts like a 50mm, for example. So if you want to spend a little less now you can get an APS-C camera with a full frame lens and then upgrade to full frame later on without having to buy a new lens. Full frame lenses work on APS-C bodies but not the other way around.

Most landscapists have a really solid 16-35mm lens and that covers almost all of their needs. So I would suggest something comparable. Please don't get suckered into some crazy 18-300mm superzoom. Just get the focal range you need for the photos you want to achieve.

A purpose-built lens always outperforms one that was made to do everything.

As far as where to get used gear, I highly recommend using KEH or MPB when buying used camera bodies. They check every device and offer between 3 and 6 months warranty to make sure the device won't crap out on you. Lenses are typically a lot more robust and a safer thing to buy on eBay or Facebook Marketplace if you can find a better deal. But the security of having a warranty and a return apparatus if something goes wrong might be worth the extra price when using these two sites.

I am going to recommend Canon, Nikon, and Sony systems. I feel they have the most complete ecosystems with gear that spans all budget ranges. I'm not saying there aren't good cameras from other brands, but you have to remember every camera has an ecosystem surrounding it. There are accessories and upgrade paths and niche lenses that may not be available with other brands. I think Fuji has some tempting options and if you like the look of vintage film photography, their emulation options are quite stunning. Their cameras are also quite attractive and have very satisfying knobs. But I still can't recommend them unless you have a specific reason for wanting their gear.

Just remember that for every Canon DSLR I recommend there is a comparable Nikon option available as well. There are more lenses for a Canon full frame DSLR body than any other brand with Nikon coming in a close second.

So if you choose not to go mirrorless yet, the Canon and Nikon DSLR camera ecosystems are immense and have tons of gear and accessories available to go with them. And since used gear holds up really well, those ecosystems will survive for decades.

Should you buy a mirrorless camera or a DSLR?

Mirrorless cameras are the latest camera technology for interchangeable lens camera systems. At this point they are superior in every aspect and they continue to improve year by year. Because of that, used DSLRs have plummeted in price. This allows people greater access to a starter ILC (interchangeable lens camera) without a significant investment. You can get professional quality images on either format, but mirrorless has a shallower learning curve and much better automatic modes.

The in-body image stabilization (IBIS) stabilizes *every* lens and the eye tracking autofocus make "focus and re-compose" extinct. These are huge selling points for a lot of people. With IBIS you can take photos with up to 2-4 second shutter speeds without a tripod. And never missing focus on a human or animal or bird is pretty cool too.

DSLR camera bodies are no longer being designed by most of the major manufacturers. Thankfully Canon and Nikon developed plenty of bodies and lenses, so you will always have options and upgrade paths. But you will not be able to upgrade to systems with the latest advanced features.

The best DSLRs available are probably the Nikon D850 and the Canon 5D Mark IV. That is as good as it will ever get. The technology ends there. So if you want to enter an active camera ecosystem then you will have to get a mirrorless camera.

DSLR Camera Systems

Full Frame DSLR Camera Bodies

Canon

If you buy a used DSLR, there are some very affordable full frame options. In fact, the classic much-praised budget full frame Canon 6D can be had for under $300 right now.

This is an old camera. It has no fancy features. It only has 20 megapixels. It just does what it says on the tin. But it has a big sensor and a *ton* of really cool lenses available for it.

If you are specifically looking to create really high resolution panos, you could also look at the 50 megapixel 5DS R for around $1000.

There is a community of landscape pano-maniacs that love to create "gigapans" that have endless amounts of detail where you can zoom in and find new details in every photo. I was only able to create a 120 megapixel photo, but you can still find things like people starting a campfire and a dude fishing and a truck on a far off bridge. So even though this seems expensive for a DSLR, you are looking at another thousand bucks to find anything with more megapixels than this bad boy, so it is quite a good deal relatively speaking.

Nikon

Probably the best DSLRs ever made were the Nikon D800 series and you can get the Nikon D800 for $464.

This is a newer camera than the 6D with more megapixels (36) and a better sensor. It also has a more modern autofocus system and about 3 more stops of dynamic range which can come in handy for landscapes. This is an incredible camera for this price.

APS-C DSLR Camera Bodies

If you aren't sure you want to commit to this hobby, you can look into a Canon APS-C sensor body like the Canon Rebels and Canon 60D through 90D models and get good results.

And there are many Nikon DX APS-C bodies that would be great starter cameras as well. If you get a Nikon, you'd have an upgrade path to the D800 if you get hooked by the photography bug. I would miss a few very special Canon lenses like the 100mm f/2.8L macro and the 400mm f/5.6 telephoto but I'm sure I could figure out some reasonable Nikon alternatives that would do roughly the same thing.

Canon APS-C

There is a Canon 60D for $139 right now that would be perfectly adequate for landscape work on a tripod.

That was my first camera and I took some very nice photos with it. Only 18 megapixels but it has a very convenient flippy screen which was really helpful for a disabled photographer trying to get low angles.

This was in 2014 and I didn't know what I was doing but that is a pretty stellar-looking sunset for a (now) $140 camera.

Nikon APS-C

And the Nikon D3400 would be a great option as well at around $184.

You get some extra megapixels (24) and it is a bit newer than the Canon. I get the sense that used Nikon DSLRs give you more value for your money right now but I don't have a large enough sample size to confirm that.

Full Frame DSLR Lenses

Froggie Note: I am recommending full frame lenses even if you choose an APS-C DSLR body so you have an upgrade path. But also very few purpose-built APS-C lenses had superior glass. Just remember, crop sensor APS-C cameras add ~1.5x to your focal length. So a 16-35mm will have the equivalent field of view of a 24-50mm lens. Still quite acceptable for landscapes, but you may benefit from doing panoramas more often. And if you upgrade to full frame down the road, you'll already have the ideal lens.

Canon DSLR Lenses

If you get the 6D or another Canon you could pair it with the beloved-by-landscapists Canon 16-35mm f/4L.

Honestly, it is blowing my mind you can get that combo for under $600. Me from 12 years ago is super jealous right now.

If you are worried you might need something to work in lower light and still want a zoom, the f/2.8L starts at around $434.

This might be the most famous landscape lens of all time. Kinda boggles the mind how many gorgeous vistas this thing has captured the light of.

If you can live without the zoom, you could get a much sharper prime lens that can also be used in even lower light. A used Sigma 24mm f/1.4 Art lens is $439 would be a fantastic option.

24mm is still a very good focal length for landscapes and the sharpness of this lens lends well to panoramic stitches. Seriously, these art lens are so freaking sharp. Although 35mm is typically preferred for most street photography, I think this would do great for that purpose as well. It couldn't do close up portraits, but 3/4 and full body portraits would look great. I also love this focal length for doggos. It enlarges their heads a bit which enhances adorable-ness.

Though I probably wouldn't recommend the 24mm on APS-C for landscapes as it would put you near a 40mm full frame equivalent field of view.

Nikon DSLR Lenses

And on the Nikon side of things you could get the Nikkor 16-35mm f/4 for $399.

This is a great lens too. Very comparable to the Canon L glass. And paired with that D800 you would have a better shooting experience than with the 6D if it fits within your budget.

It's a little harder to find, but you can also get that same Sigma 24mm f/1.4 Art lens for Nikon at around $528 used on Amazon and in the $400 range on KEH and MPB when it is available.

The older and softer Nikkor 28mm f/1.8 is a little more affordable and easier to find.

What if you are not a dentist but are willing to save up for something a little nicer?

Enter the world of...

Mirrorless Camera Systems

Sony currently has my favorite ecosystem of mirrorless cameras and lenses and they are consistently ahead of the other brands as far as technology and features. In fact, many other manufacturers use Sony sensors. They literally supply their competition with their own tech. They are also pretty good about updating firmware—even with older models. So I feel like Sony has a lot of future-proofing advantages over other brands. Sony has a great selection of 3rd party lenses like Sigma, Tamron, Viltrox, Laowa, Samyang, etc. These lenses often have nearly the same optical quality as Sony's G Master lenses at a fraction of the price.

Full Frame Mirrorless

Currently, I think the best value full frame mirrorless camera for landscapes would be the Sony a7R III.

This is very nearly a top-of-the-line landscape camera for a little over $1200.

That might sound like a lot, but I want to be clear...

This isn't just decent. This isn't "good enough." This is a spectacular professional grade full frame camera.

10 years ago you could spend $6500 for a *worse* camera. 5 years ago you could spend $3000 for a *worse* camera.

It can do every genre of photography except for maybe fast paced sports/action. It has an amazing 42 megapixels—which are not necessary but they do make editing and printing a lot less of a headache. The file sizes can get a little big, but storage is a lot cheaper than it used to be.

Oh, and it can be used for professional quality 4K video work too.

The a7R III comes with all of the modern bells and whistles including in-body stabilization (IBIS) so you can handhold at very slow shutter speeds. It has one of the best autofocus systems—complete with eye tracking. But not just human eyes! Dog eyes. Cat eyes. Bird eyes. If it has an eye, the Sony can probably lock focus on it. And it has an admirable 10 fps burst shooting mode.

APS-C Mirrorless

If you want to enter the Sony ecosystem but can't afford full frame quite yet, you could do the a6400 for about $600.

You still get the eye-tracking and the in-body stabilization, but you will lose some image quality at higher ISOs due to the smaller sensor size. However, you can get the same full frame E-mount lenses for it and upgrade to a bigger sensor later on and not have to buy new lenses.

Mirrorless Landscape Lenses

I think a good value landscape lens would be the very impressive Tamron 20-40mm f/2.8.

This is a newer lens so there aren't many deals on used options yet. But this is still a great price for the quality and versatility you get. You will never regret spending a little more on glass.

The 20mm range can fit an entire cityscape in the frame without needing to do a panorama. But if you zoom to 40mm and mount the camera vertically, you could stitch together several photos to get well over the 100 megapixel range.

Also, the 40mm focal range is long enough to do street photography and even head & shoulder portraits. The wide f/2.8 aperture combined with the high-ISO friendly full frame sensor and in-body stabilization means you can shoot in very low light without a tripod. You can also get some great pictures of stars if you travel to someplace with minimal light pollution.

The cheapest landscape zoom lens I could find was the Sony 16-35mm f/4 at $384.

It's one of Sony's older lenses and may not take advantage of all of the a7R III's pixels, but it would be a good option to get you started in this system and upgrade the lens later on.

Mirrorless Prime Lenses

Zoom lenses are great but you have to spend more to get tolerable quality. Kit zooms can be softer than even the tiny plastic lenses on your phone. So a great way to stretch your budget is to get multiple fixed focal length "prime" lenses. Primes can be built inexpensively while still having good low light performance and decent sharpness.

For instance, you could start with something like the Tamron 20mm f/2.8 for $175. And if you want to do more than landscapes you could add the Sony 50mm f/1.8 for $170 later on. Cheap primes will outperform any of those mediocre kit zoom lenses in that same price range. You lose some versatility and have to deal with the pain of changing lenses or zooming with your feet, but sometimes a tight budget demands a little pain.

There is also a higher quality 3rd party wide angle prime lens that is very popular right now. The Viltrox 16mm f/1.8 is only $549 and the reviews say it has similar quality to lenses 3 times its price.

If you have to choose between a better camera body or a better lens, a good lens will help your photos more than a fancy camera body.

Froggie Note: These are examples. You should always do your own research before making a major technological purchase. This post could be a year old by the time you see it and there could be new stuff that is better. But all of the principles I tried to convey should hopefully guide you to a good decision. Also, feel free to message me if you want to ask about specific gear you are considering purchasing.

More Resources

This is my Encyclopedia of Lens Terms which is a helpful primer in understanding all of the wonderful and different lens options available on ILCs.

This is my buying guide for low budget used DSLRs. Similar to this post but less geared toward landscapes.

And this guide for getting decent landscape photos with any camera.

This is a free tutorial that teaches you everything you need to get started with an ILC system.

And this free tutorial by Karl Taylor is quite good as well.

[nrdmssgs]

Just wanted to say I love you and your works. I'm a nikolai girly and have now started to learn Russian because of him (and my russian girlfriend). Your writing has helped me learn terms of endearment , so thank you very much <3

Hi! I live for such precious moments, thank you so much! I made a little tribute to you and your love. Happens some time after the Matters)

Nikolai maneuvered between the rare passengers wandering along the corridors of the airport waiting for their flights at such a late hour. His fifth flight in the last three days, but this one was special. First of all, he was finally just a passenger, second - he was finally flying not alone, third - this one was the last flight before...

"Excuse me? Sir, could you..." An unfamiliar voice dragged Nik out of his thoughts and he stopped abruptly, looking around.

"Could you snap a pic of us?" The young woman handed him her smartphone.

He barely managed to smile and agree on that, when she darted to a huge interior garden with the comfy leisure zone, where her friend was waiting. Nikolai couldn't help but chuckled, when the woman landed on the sit next to her girlfriend and squeezed her in the most tender and eager embrace, as if they haven't separated just a minute ago. Her friend planted a soft kiss on her forehead and turned to Nik.

"Ready?" He caught the couple in the frame and got ready to take a photo.

The woman, who asked for his help, could take her eyes off her girlfriend.

"Hey, look in the camera! You want a photo or not?"

"But you're so pretty, I want to remember you in this light!"

Nikolai just grinned and pressed the snap button to make multiple photos, as these precious souls shared such a special moment. He didn't mind standing there for a while, something kept him absolutely still. Maybe it was the beauty caught in their eyes, so obviously and helplessly in love with each other. A rare view for someone, whose line of work is rather a grim one.

He took several photos before returning to them to hand over the smartphone.

"Thank you," The other woman reached out to take the phone and froze for a moment. "Nikolai. Vy iz Rossii?*"

"Otovsyudu ponemnogu...*" Nik was touched to randomly meet someone, who could read the name on the patch of his jacket, but preferred to stay more or less evasive in his answers. "A vy letite otdihat`?*"

She nodded enthusiastically and Nikolai understood right away, that she was so happy not even because of the vacation, but because of the fact, that she will spend it with her love.

"Zaviduyu vam. Beregite drug druga.*" He waved goodbye and turned away.

The bar, Nikolai was supposed to meet Olga was opposite the garden. She was sitting right next to the glass wall and looked at the trees in the greenhouse, fighting sleep. She looked absolutely unfazed, but as soon as Nik almost sat next to her - she pushed him away with a quick and precise motion.

"Nikolai, I searched three airports to get you this gift, so don't you dare to ruin it under your ass."

"I didn't see, Nebo*, I'm sorry," he laughed and sat on another chair. "What is it? Something tasty?"

Olga checked her watch.

"You'll have to wait for an hour, birthday boy." Following the direction of his gaze, Olga moved the package with the gift away from Nikolai. "But don't await anything too special. I swear, picking a gift for someone, who can afford anything, is a challenge, this life has never prepared me for."

"Well, there are some things, I want, but not always can have." Nik caught her hand, pretending to be very interested in the dial of her watch. But his lips were on her knuckles the very next moment.

"A week ago, you debated purchasing an old sports training base."

"Well, i'm a simple guy - I like a good view..."

"Ok, 'simple guy'," Zhar chuckled. "What do you want? Beside nice views and 'something tasty'?"

Nikolais gaze returned to the garden and a pair, engrossed in an embrace and happy chatter.

"I want what these two have."

Olga fell silent for a moment, looking at the couple. Then she looked back on Nik.

"... a sparkling youth and properly functioning joints?" This time, she evaded his playful attempt to push her.

"No. Just having each other, holding each other, as if there are no worries at all, looking at each other, as if nothing around exists." Olga listened to him talking and watched two ladies stretching, then standing up and leaving the garden area, heading to their gate. There really was something about them, that made the whole airport hall brighter.

She wished they stayed there for a little bit more, shining their light all around.

"Ok, love, now you can laugh at me for becoming such a pile of tenderness at the sight of them." Nikolai was ready to return to his normal mood, but Olga didn't let it happen.

With a gentle squeeze of her hand, Zhar rose from her seat, her eyes alight with a mischievous spark. Without a word, she led Nikolai to the garden area, bathed in the soft glow of moonlight filtering through the glass panes.

Standing amidst a sea of lush greenery, she turned to him, a shy smile playing on her lips. "Will you dance with me?" she whispered, her voice barely audible.

Nik froze. He couldn't make her dance with him for many months, no matter how much he asked. Even in his house, when there was no single soul around - just them two, Olga was too shy. "I never really danced. I don't know, how it's done properly..." And no matter how many times he repeated, her skills didn't matter - she declined.

And now she wanted to dance. Right there. In a sleepy silence, interrupted only by echoes of footsteps, reaching them from different halls.

With a nod, Nik took her hand, allowing himself to be pulled into a hesitant embrace. Their movements were awkward at first, disjointed and uncoordinated, but as they swayed together, a sense of harmony began to emerge—a silent symphony of two souls finding solace in each other's arms.

In the absence of music, the only sound that filled the air was the gentle rustle of leaves in a draft and the soft murmur of their breath mingling in the night air.

Nikolai couldn't be happier. Because despite the strangeness of the whole situation, she was nearby, and she could not take her eyes off him. Maybe his Birthday was only to come the next day, but he already got his biggest present.

"Nikolai. Vy iz Rossii?" - "Nikolai. Are you from Russia?"

"Otovsyudu ponemnogu..." - "I'm more or less from everywhere"

"A vy letite otdihat`?" - "Are you flying on vacation?"

"Zaviduyu vam. Beregite drug druga." - "I envy you. Take care of each other"

Nebo - Sky/heaven

[waycaseuk]

The **evolution of the iPhone** since its introduction in 2007 has been a defining journey in the world of smartphones, with significant advancements in design, performance, and features. Here's a brief overview of key milestones in iPhone evolution:

### 1. **iPhone (2007)**

- **Notable Features**: 3.5" touchscreen, 2 MP camera, 4GB/8GB storage.

- **Innovation**: The first touchscreen-only smartphone, removing the physical keyboard seen in other phones at the time. It introduced multi-touch technology and mobile internet.

### 2. **iPhone 3G (2008)**

- **Notable Features**: 3G network support, App Store.

- **Innovation**: Faster internet browsing with 3G connectivity and the launch of the App Store, which opened the door to third-party apps.

### 3. **iPhone 3GS (2009)**

- **Notable Features**: Faster processor, video recording, voice control.

- **Innovation**: Significant speed improvements ("S" stands for speed) and better camera capabilities, including video recording.

### 4. **iPhone 4 (2010)**

- **Notable Features**: Retina Display, FaceTime, 5 MP camera, glass design.

- **Innovation**: A major redesign with a stainless steel frame and glass front/back, and the introduction of the Retina Display, which had higher pixel density for crisper visuals.

### 5. **iPhone 4S (2011)**

- **Notable Features**: Siri, 8 MP camera, A5 chip.

- **Innovation**: Siri, the first virtual assistant on an iPhone, was introduced, along with significant camera and processor upgrades.

### 6. **iPhone 5 (2012)**

- **Notable Features**: 4" display, Lightning connector, LTE support.

- **Innovation**: The iPhone grew in size to a 4-inch screen and introduced the Lightning connector, replacing the 30-pin dock.

### 7. **iPhone 5S & 5C (2013)**

- **Notable Features (5S)**: Touch ID, 64-bit architecture.

- **Notable Features (5C)**: Colorful plastic body.

- **Innovation**: The iPhone 5S brought Touch ID for fingerprint authentication and a powerful 64-bit A7 chip. The 5C was a more affordable model with colorful designs.

### 8. **iPhone 6 & 6 Plus (2014)**

- **Notable Features**: 4.7" & 5.5" displays, Apple Pay.

- **Innovation**: Apple entered the "phablet" market with larger displays, along with introducing Apple Pay, the company's mobile payment system.

### 9. **iPhone 6S & 6S Plus (2015)**

- **Notable Features**: 3D Touch, 12 MP camera, 4K video.

- **Innovation**: The introduction of 3D Touch, which allowed the screen to detect varying levels of pressure, creating new ways to interact with the phone.

### 10. **iPhone SE (2016)**

- **Notable Features**: 4" screen, A9 chip (same as iPhone 6S).

- **Innovation**: A smaller, more affordable model, resembling the iPhone 5S but with the internal power of the iPhone 6S.

### 11. **iPhone 7 & 7 Plus (2016)**

- **Notable Features**: Dual cameras (7 Plus), no headphone jack, water resistance.

- **Innovation**: The removal of the headphone jack was controversial, and Apple also introduced dual cameras on the 7 Plus for improved zoom and portrait photography.

### 12. **iPhone 8 & 8 Plus (2017)**

- **Notable Features**: Wireless charging, glass back, True Tone display.

- **Innovation**: While similar to the iPhone 7, the 8 series introduced wireless charging through the glass back and enhanced display technology with True Tone.

### 13. **iPhone X (2017)**

- **Notable Features**: Edge-to-edge OLED display, Face ID, no home button.

- **Innovation**: A radical redesign that removed the home button and Touch ID, replacing it with Face ID, Apple’s facial recognition technology. It also introduced the first OLED display in an iPhone.

### 14. **iPhone XS, XS Max, & XR (2018)**

- **Notable Features**: Larger OLED display (XS Max), Liquid Retina display (XR), A12 chip.

- **Innovation**: The XS Max brought a massive 6.5" screen, while the XR offered a more affordable option with an LCD display but the same powerful internals.

### 15. **iPhone 11, 11 Pro, & 11 Pro Max (2019)**

- **Notable Features**: Ultra-wide camera, night mode, A13 chip.

- **Innovation**: A triple-camera system on the Pro models enhanced photography, including better low-light performance with night mode.

### 16. **iPhone SE (2nd Gen) (2020)**

- **Notable Features**: A13 chip, 4.7" display, Touch ID.

- **Innovation**: Like the original SE, this model combined older iPhone design (resembling the iPhone 8) with powerful internals from newer models, offering a budget-friendly option.

### 17. **iPhone 12 Mini, 12, 12 Pro, & 12 Pro Max (2020)**

- **Notable Features**: 5G support, MagSafe, Ceramic Shield.

- **Innovation**: The iPhone 12 series introduced 5G connectivity and the MagSafe system for attaching accessories. Ceramic Shield provided increased drop protection.

### 18. **iPhone 13 Mini, 13, 13 Pro, & 13 Pro Max (2021)**

- **Notable Features**: Smaller notch, ProMotion 120Hz display (Pro models), Cinematic Mode.

- **Innovation**: Focused on camera improvements, including Cinematic Mode for video recording, and higher refresh rate displays on the Pro models for smoother performance.

### 19. **iPhone SE (3rd Gen) (2022)**

- **Notable Features**: A15 chip, 5G, improved battery life.

- **Innovation**: Continuation of the budget-friendly SE line with more powerful internals.

### 20. **iPhone 14, 14 Plus, 14 Pro, & 14 Pro Max (2022)**

- **Notable Features**: Dynamic Island (Pro models), 48 MP camera (Pro), Always-On Display (Pro), satellite SOS.

- **Innovation**: The Pro models introduced the Dynamic Island, a new interactive notification area, along with the powerful 48 MP main camera and satellite communication for emergencies.

### 21. **iPhone 15, 15 Plus, 15 Pro, & 15 Pro Max (2023)**

- **Notable Features**: USB-C port, A17 Pro chip, Action Button (Pro models).

- **Innovation**: The transition from Lightning to USB-C for universal charging, along with enhanced performance and camera upgrades.

The iPhone's journey reflects major technological strides and design shifts, focusing on improving usability, camera quality, and processing power with each iteration.

[takahirokatoh]

Live streaming tickets for the stage play “Umineko Episode 2” are available again.

[Viewing ticket sales period] December 29, 2023 (Friday) 0:00 to January 8, 2024 (Monday) 19:59 JST

[Archive distribution period] Friday, December 29, 2023 0:00 to Monday, January 8, 2024 23:59 JST

We will stream the performance archive at a slightly affordable price. This time too, it will be held on a site called Confetti. Sorry, there are no English subtitles. Episode 2 will be released on DVD next spring after Episode 3 is performed. This is a valuable archive distribution before release. Please use the translation site for membership registration and ticket purchases. The theater company's original performances are also being streamed at the same time. Each ticket is valid for one performance, so please be careful not to select the wrong viewing page.

【warning】 This performance is available for a fee. Screen recording, photography, and audio recording using cameras, smartphones, etc. are all prohibited. Additionally, if you reprint or share it on video sites without permission, you may be held legally responsible. Commercial use of live streaming videos is prohibited. This includes fees received from viewers at restaurants, halls, etc., and live video distribution.

Episode 1 will be available for free for a limited time on YouTube. Please wait for further information.

[matenrou-fan]

Could I request Ichiro, Doppo, and Hifumi with a doting baker s/o?

Ichiro, Doppo, and Hifumi with a doting baker NB! s/o

of course, darling!! here <3

NBreader, fluff, just wholesome stuff;;

-You win his heart almost in the first second he sees you.

-So kind, loving, generous.. He can't resist your doting and caring behavior, and the smell of buns and warmed sugar on your skin is so sweet.. You smell like coziness. You are coziness.

-He finds peace in your care, and finally lets himself relax a little bit. He just got used to always being a strict protective big brother but with you.. it feels so nice to be loved, when he can be as equals with you, sharing this softness that builds up inside his soul for this long time.

-If you would bake for him, he would appreciate it so much! Due to his not that good financial situation he can't afford that many sweets, so when you let him try one of your baked goods for the first time he looks almost like a puppy, with shining eyes and slight warm blush on his cheeks.

-"Y.. you don't need to do all of that.." - he mumbles every time when you are packaging a little box with pies and biscuits to him and his brothers. You look at him and can't help but chuckle, his blushing shy face is so cute.. Despite him asking you to not give him so much you can see a joyful sparkle in his sincere gaze and decide to add another donut when he looks away.

-He's also willing to learn something from you!

-"I think my cooking skills are pretty good, so it's time for baking, huh?" - he chuckled, taking an apron and standing next to you, ready to listen. It's a great opportunity to bond you two together even more and to surprise his little brothers with something sweet today again.

-Can it be considered as a little date, when you two are all alone in your bakery, standing so close as you explaining how to make dough more fluffy? Because for him it's definitely a date, he can't help but try to touch your hands more, even for some ridiculous reasons.

-"Oh, wait, wait..!" - he leaned closer to your face and gently swiped cream from your cheek, giggling - "Here, that's better.."

-The first pancake is always lumpy, so Ichiro's first try was probably not that good. But when he would be able to bake something actually good you would be the first person he would ask to try it. You're a pro in baking and also his teacher in this, so he wants to hear your opinion.

-"Oh, you actually like it? I'm glad..!" - he smiles wider when he notices that you actually enjoy his little muffin - "You should try to teach me something else next time, alright..?..After all, you see enough dishes and plates in your work, so it will be my task to cook when we move together in future, don't you think?♡"

-Oh my!! Your match was made in heaven!!

-He likes to cook, you like to cook, aren't you two suited to each other perfectly?!

-It's not his profession but Hifumi is great at cooking and baking. After all, he is one of the top ten chefs in Shinjuku!

-He already cooked with Doppo once and it turned out very fun, but thinking about cooking with you.. It would be not only fun and interesting, but also kinda romantic, would it? You two baking cakes together, adding your sweet love to each other in every product that you use.. Hifumi can't help but giggle, kicking his legs when only thinking about it.

-So he absolutely loves to cook with you, he can share some of his pro-tips and get to know something new from you, a real baker.

-"Hey, hey..! Let's try this next time, huh?" - he grabs your hand and shows you his smartphone with a new recipe for a big cake - "We can call sensei and Doppo, I'm sure they would like to try this too. A little party with homemade cooking, yeah~"

-And the way you're always so caring and gentle around him.. None of his little kittens was able to flatter his heart as much as you are, just a simple soft smile of yours was enough to melt his soul..

-"My adorable darling, thank you.. But even these little tarts that you made with your precious hands wouldn't be as sweet for me as your lips.." - Hifumi gave you a charming pleasant smile, as he was already in his jacket. He was holding a little bag with your baking in his arms, ready to go to work - "I will eat your little present and think about you, baby, hope it will help me to not miss you that much..!"

-He's no less doting than you are, also always showering you with affection - from small everydays compliments about your stunning appearance to bunch of kisses and hugs, he just can't stop cuddling with you, his little star..!

-Hifumi is always a big goofy softie around his close friends, but around you he's even more clingy. You are just so adorable, so cute in your little apron with that concentrated look on your face when you're busy with baking.

-Definitely will come to your work on his way to home after the store or something, he's here just to chit chat a little as he already misses you so much!

-"O! It's just afternoon and you already make so many?!" - he gets closer to the display case with the little cakes and tarts you made - "Wha, you're really working hard, s/o, hehe..! That's right, then I probably should make a great dinner for us today, should I?"

-Yes, most of the time he's the one who cooks dinner or lunch, as he doesn't want you to work literally two shifts - in your job and then in your house. Also, feeding someone with his dishes is one of Hifumi's love languages. It makes him happy to know you enjoy his food as much as he enjoys yours.

-"Come on, you need to relax a little after such a long day, okay?" - he takes your arm and leads you to the kitchen with a bright smile on his cheerful face - "Here~ Look, I made your favorite meal today, so hurry up and wash your hands before it gets cold, darling..!"

-Ah.. Doppo is so confused when you just start dating.

-Why someone so caring and loving as you decided to date him, depressed salaryman?! Does his fate use all his luck so he can meet you? Always so doting, fond, gentle.. he doesn't mind to actually exchange all his lucky days and weekends just to be with you forever..

-He gets used to Hifumi's affection, but attachment from you feels much different, as he can't calm down his heart every time you look at him with this adorable eyes and gentle smile.

-Absolutely in love with your baking, he never can't get enough of this sweet taste, the dough is so warm and soft and the strawberry filling is so yummy.. But it's also more delicious because YOU are the one who's making this. Even your unsuccessful attempts at new recipes taste more pleasant for Doppo than anything from a big high-quality bakery would ever be.

-"O..oh..! It's for me?? For my lunch break??" - he looks at you with a surprised face when you give him a little bento early in the morning, before he gets to work. You can see how fast his face reddened as he couldn't help but smile awkwardly - "S/o.. You are such an angel.."

-For the whole day all he can think about is your meringues and puns, checking the clock in his office every five minutes. It's just so hard to not eat your little present right now..!

-Definitely would send you a little text with thanks at his lunch time, telling you how sweet and delicious your baking is, as always. It's even easy to work after such a satisfying meal, it's so warm inside his soul as if you kiss him and pat his head through your food.

-With you, he feels more relaxed.. You can talk about baking and cooking for hours. He doesn't understand almost everything you say but is still willing to listen, as your soft voice soothes him so much.

-Though about helping you with cooking, even in a small way, warms his heart. But he wants to help you in other ways too, so he always supports you in new ideas, always asks you every evening how you were today and if you want to just relax together, he will do everything you say..!

-He also doesn't mind helping you, if he has a weekend today. Doppo is a little bit clumsy but he can cut some chocolates or mix products for dough when you do something harder.

-"H-here.. Am I doing this right..?" - he asks shyly, his heartbeat is so fast and loud. You two are so close and you're praising him for good work, even if he tries to calm down after that, he can't!! - "Then.. maybe I can do something more for you?"

-"I.. um, I bought tickets for a new film for tomorrow.." - he mumbled with a bright face, holding your hand - "I thought you should give yourself a little rest, so.. um.. What do you think?"

[megaottiptv4k]

IPTV how to get it: with MegaOTT IPTV

Unlock the World of Streaming: A Complete Guide to Getting IPTV with MegaOTT

In this fast-paced digital era, the way we consume entertainment is undergoing a remarkable transformation. Conventional cable and satellite services, once considered the go-to for entertainment, are now being overshadowed by the rising popularity of IPTV (Internet Protocol Television). If you���re curious about how to get IPTV and why services like MegaOTT are gaining unprecedented followings, you’ve come to the right place. This comprehensive guide will walk you through everything you need to know about IPTV, the myriad benefits it offers, and how you can find the best IPTV provider available.

So, what exactly is IPTV? In simple terms, it’s a modernized way of watching television. Gone are the days of relying on satellite dishes or cumbersome cables. IPTV grants you access to an impressive array of content by streaming it directly over the internet. This means that you can indulge in live TV, movies, and series on any device you own—be it a smartphone, a smart TV, a tablet, or even a PC. All you need is a stable internet connection, and you’re good to go.

Now, let’s delve into the process of obtaining IPTV, which is surprisingly straightforward. Here’s a step-by-step breakdown:

Step 1: Choose an IPTV Provider Not all IPTV services are created equal. It’s crucial to select a reliable provider that offers a diverse range of channels, high-quality streaming, and exceptional customer support. One provider that deserves your attention is MegaOTT. They go above and beyond, providing an impressive selection of live TV channels, movies, and series, including access to sports events in stunning 4K quality.

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Step 4: Start Watching! After the setup is complete, you can immediately start streaming your favorite movies and series on your chosen device. The world of content is now at your fingertips.

Now that you know how to get IPTV, let’s explore why MegaOTT is the ideal choice when selecting an IPTV provider. Here are the reasons that set them apart:

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User-Friendly Interface: MegaOTT has designed their platform with simplicity in mind. With their intuitive interface, navigation becomes a breeze, offering a hassle-free experience for users of all ages and technical capabilities. Even if you’re new to the world of IPTV, MegaOTT ensures that the process is accessible to all.

When you’re on the lookout for the ideal IPTV provider, keep the following tips in mind:

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Customer Support: A reliable IPTV provider should always provide exceptional customer service in case you encounter any issues with your connection or setup. That way, you’ll have peace of mind knowing that help is just a call or message away.

Trial Periods: Always check if the provider offers a free trial. This allows you the opportunity to test the service without any long-term commitments. It’s the perfect way to get a real taste of what the provider offers before making a decision.

Device Compatibility: Before committing to a provider, ensure that their service is compatible with the devices you intend to use. Whether it’s smartphones, tablets, smart TVs, or streaming boxes, compatibility is key.

In conclusion, getting IPTV with MegaOTT is a seamless, cost-effective, and all-around fantastic way to enhance your entertainment experience. By opting for MegaOTT, you gain access to a trustworthy and high-quality IPTV provider that offers an extensive selection of channels, shows, and sports events at a budget-friendly price.

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[finotica]

The Rise of Fintech: Transforming Financial Services for the Digital Age

In recent years, Fintech—short for Financial Technology—has emerged as a disruptive force in the financial services industry. From mobile payments to blockchain technology, fintech innovations are reshaping how individuals, businesses, and financial institutions interact with money. As digital tools continue to evolve, they offer new ways to improve financial efficiency, transparency, and inclusivity.

The rapid rise of fintech is not just a trend; it's a transformative shift that’s reshaping financial landscapes globally. In this article, we will explore what fintech is, how it’s transforming various sectors of financial services, and what the future holds for this exciting industry.

1. What is Fintech?

Fintech is a term that encompasses any technology that improves and automates financial services. This can include innovations in areas like mobile payments, online banking, investment platforms, and even the use of artificial intelligence in managing financial portfolios.

Fintech aims to make financial services more accessible, efficient, and secure. By leveraging digital tools, it allows individuals to manage their finances with ease, whether they're sending money across borders, applying for a loan, or investing in the stock market.

2. The Evolution of Fintech

The roots of fintech can be traced back to the late 20th century, with the introduction of online banking and electronic payments. However, it wasn't until the late 2000s, with the rise of smartphones and digital apps, that fintech truly took off.

The 2008 financial crisis also played a significant role in the development of fintech. Traditional banks struggled, leading to the rise of alternative financial solutions. Startups began creating apps and platforms to offer services such as peer-to-peer lending, robo-advisors, and even digital currencies like Bitcoin.

Today, fintech is booming, with countless companies and startups offering innovative financial products and services that rival traditional financial institutions.

3. The Key Sectors of Fintech

Fintech covers a broad range of sectors, each offering unique innovations that are transforming the way we think about and use financial services. Here are some of the key areas:

a. Digital Payments

One of the most recognizable sectors of fintech is digital payments. Apps like PayPal, Venmo, and Apple Pay have made sending and receiving money faster, more convenient, and cheaper than traditional methods.

Consumers can now make purchases, pay bills, and send money internationally with just a few taps on their smartphone, without needing to rely on banks or physical cash.

b. Lending and Borrowing

Fintech has disrupted the lending industry by providing alternatives to traditional bank loans. Peer-to-peer lending platforms such as LendingClub and Funding Circle allow individuals to lend directly to borrowers, cutting out the middleman and often providing better rates for both parties.

Additionally, fintech lenders have made it easier for small businesses and individuals with less-than-perfect credit scores to access loans through automated credit scoring systems.

c. Investment Platforms

The rise of fintech has made investing more accessible to the general public. Gone are the days when investing required a hefty minimum deposit and working with a financial advisor.

Now, thanks to robo-advisors like Betterment and Wealthfront, individuals can invest with little to no minimum, receiving tailored investment advice through algorithms that automatically adjust portfolios based on risk tolerance and market conditions.

d. Insurtech (Insurance Technology)

Insurtech is another growing sector of fintech, aiming to simplify and improve the insurance industry. From comparing quotes to filing claims, insurance technology platforms like Lemonade are providing a seamless, user-friendly experience for consumers.

These innovations are making insurance more affordable and efficient, particularly for younger consumers who value the convenience of digital interactions.

e. Cryptocurrency and Blockchain

Perhaps the most transformative development in fintech is the rise of cryptocurrencies and blockchain technology. Cryptocurrencies like Bitcoin and Ethereum offer decentralized alternatives to traditional currencies, while blockchain technology provides a secure and transparent way to record transactions.

While still relatively new, cryptocurrencies and blockchain are expected to have far-reaching implications for everything from cross-border payments to smart contracts.

4. How Fintech is Changing Financial Services

Fintech’s influence is broad and deep, transforming almost every facet of financial services. Here’s a closer look at how it’s reshaping the industry:

a. Improving Access to Financial Services

One of the biggest advantages of fintech is that it provides greater access to financial services, particularly for underserved populations. For example, fintech platforms allow people in developing countries, who might not have access to traditional banking, to open accounts and manage their finances using just a smartphone.

Fintech has also revolutionized access to credit. Through digital lending platforms, individuals and small businesses can get loans faster and more easily than ever before, often bypassing the hurdles of traditional banks.

b. Lowering Costs

Fintech companies operate more efficiently than traditional financial institutions, often passing these savings on to consumers in the form of lower fees and better interest rates. This is especially true in sectors like peer-to-peer lending and digital payments, where middlemen have been cut out of the equation.

c. Faster Transactions

In the traditional financial world, sending money, especially internationally, can be a slow and expensive process. Fintech has made these transactions faster, with some payments happening in real time. Digital wallets, payment processors, and blockchain technology are all contributing to instantaneous money transfers, no matter where you are in the world.

d. Personalized Financial Management

Thanks to the use of big data and machine learning, fintech companies can provide highly personalized services. For example, investment platforms use algorithms to create tailored portfolios, while budgeting apps help users track and optimize their spending habits based on individual behavior.

This level of personalization is helping consumers and businesses alike make better financial decisions, driving growth and improving financial health.

5. The Role of Artificial Intelligence in Fintech

Artificial intelligence (AI) is playing a significant role in the fintech industry. AI is used to streamline processes, enhance customer experiences, and improve security measures. For example, chatbots powered by AI can handle basic customer inquiries, freeing up human agents to focus on more complex tasks.

AI also plays a crucial role in fraud detection and cybersecurity, identifying unusual patterns in data and flagging potential threats in real time.

6. Fintech Regulations and Challenges

As fintech continues to grow, so do the regulatory challenges that come with it. Governments and financial institutions around the world are working to create regulatory frameworks that both encourage innovation and protect consumers.

Some key concerns in fintech include data privacy, cybersecurity, and the risk of financial exclusion if certain populations are unable to keep up with technological advances.

There’s also the challenge of navigating the global landscape, as fintech companies often operate in multiple countries, each with its own regulations and standards.

7. The Future of Fintech

The future of fintech looks incredibly promising, with AI, blockchain, and cryptocurrencies leading the charge. Experts predict that in the next few years, we’ll see even more integration between traditional financial institutions and fintech companies, blurring the lines between the two.

In addition to more widespread adoption of digital currencies, the fintech industry is expected to play a key role in financial inclusion, helping to bridge the gap for the 1.7 billion people globally who remain unbanked.

8. How to Get Started in Fintech

If you're interested in fintech, there are plenty of ways to get started. Whether you’re a consumer looking to take advantage of new financial tools, or a professional considering a career in the industry, now is the perfect time to dive in.

Explore Fintech Platforms: Start using digital banking apps, robo-advisors, or digital wallets to familiarize yourself with how fintech works.

Learn About Blockchain and AI: These two technologies are central to the future of fintech. There are plenty of online courses and resources available to help you learn the basics.

Invest in Fintech: Many fintech companies are publicly traded, offering opportunities for you to invest in the future of finance.

9. The Benefits of Fintech for Businesses

Fintech isn’t just changing the landscape for consumers—it’s also revolutionizing how businesses operate. From streamlining payment processes to improving access to capital, fintech is enabling businesses to operate more efficiently and scale faster.

Some benefits for businesses include:

Lower Transaction Fees: Fintech payment processors offer competitive rates compared to traditional banks.

Access to Funding: Digital lending platforms and crowdfunding have opened up new ways for businesses to access funding.

Improved Cash Flow Management: With real-time payment solutions, businesses can improve cash flow and reduce the wait times associated with traditional banking.

10. Conclusion: Fintech is Here to Stay

In conclusion, fintech is not just a buzzword—it’s a revolution that’s changing the way we interact with money and financial services. Whether it’s through digital payments, AI-powered financial tools, or blockchain-based systems, fintech is making finance faster, more accessible, and more secure.

The rise of fintech has already transformed many aspects of financial services, and it shows no signs of slowing down. As technology continues to advance, we can expect fintech to play an even larger role in the global economy.

Are you ready to explore the future of finance? Click here to learn more and stay ahead of the curve with the latest insights: The Rise of Fintech.

[jaycrr]

Blog Post Due 10/10

What is racialization through interpellation? What is its impact?

Racialization through interpellation shows that race is not something that is biological but something that is constructed through views of society and through culture. It explains how society teaches us to notice features that are racially marked like one's skin or eye color. Also, it's something we unconsciously identify in people. This varies by culture, is constantly shifting and an example we see in "The Social Media Handbook" is when in the 18th century, the English people would describe Irish people as "black" and "tawny" to describe the Hottentots people of Africa. This goes to show race is a concept that is shaped by social norms and is constantly changing

2. How has the rise of internet access and smartphones impacted race and social media?

African American and Latino communities have received greater access to internet and phone access, which has helped close the digital divide. Referring to closing the gap between communities that have access to modern communication technologies and those that do not. In the early days of cyberspace, non-whites had much less access to the internet. Smartphones played a crucial role in closing the gap because of the fact they are much more affordable than computers and they started to become really mainstream/accessible. In 2010, 70 percent of African Americans and Latinos that speak english were on social media apps. Which is higher percentages than white online users, indicating the internet became more racially diverse.

3. What is the recent shift towards multi-culturalism we have seen?

Explained in Race after Technology, mass marketing has moved toward ethnic niches that have a play on diversity. A good example used are the Netflix movie/show recommendations that come up on the screen, and these certain posters like those that include black cast members, can entice and they are meant to target the black audience to get them to click and check out the movie/show. Platforms like Netflix, it is not like they are asking their users about their race, instead they use algorithms like what you watched previously, what you have searched to indicate who is attracted to certain cast movie posters.

4. What does Daniels say about why you should study white supremacy online?

Jessie Daniels says that in her view, the reason you should study white supremacy online is to challenge it. She argues the reason you should care about white supremacy is because "racial vitriol" is easy to find online. There also has been a huge shift, anyone with internet connection: a sixth grader doing a report, a potentially violent skinhead, can easily stumble upon white supremacy online. It is a complicated problem because ascertaining how young people make sense of white supremacy online/how it affects them and distinguishing between those who produce it white supremacy, those who look for it, or who find it by accident is difficult to determine. The idea of white supremacy online better informs our knowledge of social movements, society, race, the internet and how young people are educated in this digital age.

Benjamin, R. (2019). Race After Technology: Abolitionist Tools for the New Jim Code.

Daniels, J. (2009). Combating Global White Supremacy in the Digital Era.

Hungsinger, J., & Senft, T. (2014). The Social Media Handbook.

[paradoxcase]

@longroadstonowhere:

well, speaking for myself, i feel i would definitely have a phantom limb feeling if i switched to never wearing glasses again (i dont wear contacts so i don’t have great proof for this, but i have worn prescription snorkeling goggles that let me see but didn’t sit on my nose the same way as glasses and so created that sensation)

Hmm, I guess it may vary from person to person, then, or possibly vary depending on whether you've ever worn contacts. The first time I switched to contacts was over 20 years ago so I no longer remember what it was like the first time. I'm guessing contacts may not actually exist in the Nine Houses

@racefortheironthrone:

Regarding the tech issue - it's not just what they know, but also what's available and what they can afford. Nona/Pyrrha/CamPal are pretty strapped for cash because BOE doesn't give them very much, and the New Rho economy is doing very badly (food and other necessities are expensive and not always available, which suggests supply issues; likewise, the instability of employment and the lack of public services suggests that there are also problems with demand as well).

So there may well be more advanced tech than Cam's casette recorder, but it might not be available in New Rho markets or at prices that they can afford for non-essential items.

I mean, it kind of depends on why there are food shortages. Food shortages could just be the result of war rationing - they said that you could technically acquire poor-quality meat via the black market, which indicates to me that it is available, it's just not allowed to be sold right now, probably due to rationing. Other things than food might be rationed, but I don't think our phones at least are made of things that would likely be rationed in that context, but who knows what kinds of devices they have after 10,000 years, or even what the prices of those things would be. Things that would be considered incredibly high tech much less than even 1000 years ago are now dirt cheap and no one has to worry about being able to afford them (ballpoint pens, for example). After 10,000 years I would expect even more stuff like that

You can technically, right now, still buy cassette tape recorders for relatively cheap, but I have wonder how true that would still be if Earth was destroyed and all of the companies that are still producing cassette tape stuff were destroyed along with it - there's an incentive for companies that have always sold cassette tape stuff to continue doing that, but is there an incentive for brand new companies to start manufacturing and selling cassette tape stuff? It seems like a lot of older technology might get left behind permanently if something like that happened. Also, like, currently a cassette tape recorder is not in fact considered a low cost alternative to using a phone to record something even though it's technically cheaper than a phone, a) because of the general difficulty in getting and maintaining something that can play cassette tapes, and b) because smartphones are a basic necessity now in most places and you need one anyway, and they are all able to record video, so I think you probably wouldn't save money anyway

@eye-lantern:

Gideon did fight and kill heralds. She also lost a thumb. And got her intestins ripped out. And her skull smashed. And died at least 3 times. While in an unfamiliar body but also a body who's tendons could rip and recover in the same movement, and did not need to breath. Hect could kill one or two. But as much as she is a beast she would die.

That's true, but it seems like Palamedes and Camilla may have achieved Lyctorhood in the same way G1deon and Pyrrha did, and thus they would have the same advantages that Gideon had

@wellhappybirthdaytomeiguess:

I think part of the issue with the ‘tightness’ Nona mentions is that she is walking miles a day AND Cam has her always working out.

Ahh, if that's the case that makes sense

[sirfrogsworth]

@vanriblogs asked for some product photography advice and it is easier to make a post rather than trying to fit everything into a reply.

Plus this might be of interest to other folks as well.

This is an example of her products.

I like your product photos a lot. Making a compelling photo of something semi two-dimensional is difficult. Adding interest with a neat background goes a long way and you do a great job of not making it too distracting.

Another approach... since you can't make your products more three dimensional, you might consider placing them on objects that are more three-dimensional.

It sounds to me like your biggest issue is mitigating unwanted reflections. Which is actually like 90% of the problem solving involved with high level product photography.

The easiest technique is to go outside on an overcast day. The world would be your light source and the only reflections would be of your camera which you have to deal with no matter what. But this kind of lighting is a little boring and weather is not very reliable.

Glossy items create what are called "image-forming reflections" on their surface. That means a picture of your light source covers your product. So what you have to do is make the light source attractive rather than the product. And typically that is done with gradient lighting.

And the way you create these gradients is by projecting a ball of light onto diffusion material. (Though for tall cylindrical objects like bottles, you would project a vertical strip of light.)

The light slowly fades away through the diffusion material which causes gradients like in this photo of my $8 gas station Aviator knockoffs...

The lenses reflect a distorted view of my light source.

Softboxes use a homogenous diffusion approach. Every inch of the surface area outputs the same intensity of light. But this kind of diffusion you are intentionally creating a hotspot that graduates away.

The industry standard gradient diffusion material is Lee 216 or Savage Translum. It's a bit pricey but a roll lasts forever. The Savage is a little thicker and more heavy duty. The Lee doesn't hold up as well but is easier to craft into different modifiers or you can hang either brand off a light stand with a boom arm. Karl demonstrates using diffusion material for gradients in this video.

If you can't afford the expensive stuff right now, you can double up tracing paper and get a similar effect.

All that said, I actually think there is another light modifier that would be perfectly suited for your particular products. And I know I look like a huge Karl Taylor fanboy (because I am) but he really is the only one doing high quality education about this stuff and he is one of the world's top product photographers.

So you might try... the Karl Taylor Light Cone!

I know that looks like a late night informercial product for photographers, but it really does work as advertised.

It is a great way to get rid of all unwanted reflections with the small exception of your camera lens which can usually be removed easily in Photoshop. The idea of the light cone is it completely surrounds your products with gradient light sources

It comes in three sizes. Big, medium, and smartphone. I think you can use the medium with your camera and the size of your products.

If you can't afford it right now, you can construct it out of tracing paper or similar diffusion material, but I'm not sure if that would be hard to get standing upright. Though you can actually turn the cone sideways too. You just have to get creative and problem solve with the space and equipment you have available. As long as you understand the principles the rest is just trial and error.

Depending on the object, you may need up to 3 lamps to get a good result but I think you can get by with two for now. It is very important they are all identical and have the exact same bulb. You will get more control if you can find lights that project a smaller ball of light onto the diffuser. That way you can back them off to make the ball of light bigger or move them closer to make it smaller.

Karl has a series of tutorials on the V-Flat World website.

Karl also has an entire education platform and you could subscribe to for a month and cancel when you have learned what you need to know. I have learned more from Karl than just about any other photographer so I can vouch for the quality of the info there.

His YouTube page has a few shorter and less in-depth product photography videos that you might find helpful as well.

Just so I don't sound like a Karl Taylor marketing robot, I also really like Martin Botvidsson. He isn't as good of a teacher, but if you are good at learning by watching others do the thing, you can absorb some good stuff from him. He also works in a much smaller space which might be useful to observe.

And Workphlo has some tutorials as well along with some surfaces you may find useful.

Now, the one thing that is important to keep in mind...

These folks all have the fanciest cameras and the fanciest lights and one of the biggest complaints they get is, "I don't have expensive gear, how am I supposed to get good photos?"

And then they constantly have to explain the principles of lighting never change and you can get good results with desk lamps and a smartphone.

Here is a video from Karl proving this point while doing a wine bottle shoot with desk lamps.

Don't fall into the fancy gear trap. You can work with what you have. It just takes a little patience and a lot of trial and error.

I took this stapler photo with a smartphone and two $40 video lights.

And these bottles too...

It was the knowledge in my brain that got these results. Fancy gear can make it much easier and it is more necessary as you get into more complicated setups, but that is something you grow into over time.

In any case, I wish you luck.

Feel free to ask questions if you run into a speed bump along the learning curve.

[yyh4ever]

Yu Yu Hakusho x THANKYOUMART 2023

■ Official Site: 390yen.jp

■ Sales start date: April 14, 2023

■ Sales locations: Thank You Mart stores, official online shop, etc.

Similar to the Seria 100-yen shop collab last year, the 390-yen shop THANK YOU MART have announced their first collaboration with Yu Yu Hakusho. For those of you who like fun and affordable goods, it's a great opportunity. They will also be available by mail order.

There's no new art, but the main characters Yusuke Urameshi, Kazuma Kuwabara, Hiei, and Kurama will appear in 46 items such as acrylic key chains, acrylic stands, T-shirts, socks, and a nostalgic pen case reminiscent of the Heisei period. Some other characters as Botan, Puu and the Toguro Brothers also appear in the merch.

These "Blind Acrylic Cards" (9 types) are cheap and beautiful. The scenes from the anime opening are very nostalgic.

■ List of goods (46 items):

Clear multi-case (4 types)

Acrylic Pen Stand (4 types)

Face Towel (2 types)

Delgard Mechanical Pencil (5 types)

Art Panel

Acrylic Keychain with mirror (3 types)

Tapestry

Blind Acrylic Cards (9 types)

iPhone Case (3 types)

Socks (3 types)

Smartphone Ring (3 types)

Can Pen Case

Acrylic Coaster

Stickers

Round Pouch

Tote Bag

T-shirt (3 types)

[shabdforwriting]

Seven Reasons why People still Prefer Paperback Books

Here are more detailed explanations for each of the seven reasons people still prefer paperback books:

1- Tangible Experience:

Reading a paperback engages multiple senses. Turning the pages, feeling the texture, and hearing the slight rustle as you flip through create a personal connection with the book. Many readers find this tactile experience enhances their immersion in the story, making reading feel more intimate and real.

2- Collectible and Decorative:

Paperbacks can serve as more than just reading material; they become personal treasures and tokens of accomplishment. Whether it’s a well-worn favorite or a pristine new release, paperbacks allow readers to build and display collections that reflect their interests and passions. A filled bookshelf can also act as a statement piece in a home, adding warmth and character to a room.

3- No Need for Devices or Batteries:

With a paperback, you don’t have to worry about running out of power or finding an outlet. It’s convenient for spontaneous reading sessions in places where technology may not be reliable or welcome, like beaches, remote areas, or while commuting. Paperbacks offer the freedom to read anywhere, anytime.

4- No Screen Strain:

Reading on a digital screen for prolonged periods can lead to digital eye strain, headaches, and disrupted sleep due to blue light exposure. Paperbacks provide a refreshing break from screen time, offering a more natural and comfortable way to read, especially for those who already spend long hours in front of computers or smartphones.

5- No Need for Technology:

Paperbacks are self-contained and independent of technology. Readers don’t have to worry about software updates, crashes, or compatibility issues with different formats or devices. It’s as simple as picking up the book and reading, providing an uncomplicated and timeless reading experience.

6- Affordable:

Paperbacks tend to be more accessible in terms of price compared to hardcovers or even e-books in some cases. They provide a cost-effective way to read a wide variety of titles, and the second-hand market for paperbacks makes it easy to find books at even lower prices. This affordability encourages reading and allows book lovers to expand their personal libraries without breaking the bank.

7- Distraction-Free Reading:

When reading on electronic devices, it’s easy to get distracted by notifications, apps, or the internet. Paperbacks provide a focused reading experience without interruptions, helping readers dive deeply into a story without the temptation of multitasking or being pulled away by external stimuli.

Each of these reasons highlights the simple, enriching experience that paperback books continue to offer in the digital age.

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