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By Sarah Ackerman

2016 is off to a quick start! Can you believe it's nearly February? Time flies when you're working on things you love! Take a moment and check in on some of our top discussions from theLoop!
 
What do you do to turn passion projects into profit? When your artistic vision changes, it can be a challenge! Help this PPA portrait photographer explore where she can take her landscapes. 

Watermarking has been a time honored tradition in years passed to help market your work, but has its time come to an end? Weigh in with this PPA photographer to share your experience with keeping your stamp on your work.

Have you ever been put in a position where a client was past due on a bill and you had to charge a late fee? How did you handle it? Help this PPA photographer figure out what's an appropriate amount.

Sometimes clients are disappointed for a variety of reasons, many of which may be out of your control. What do you do when a client demands too much? Chime in with this PPA photographer to share how you would handle this situation. 

Volume photographers unite! In a volume world, how do you offer online reorders that don't take ages to set up on your site? Help this PPA photographer streamline their workflow to maximize profits and minimize time wasted. 

Sometimes the best of the best isn't feasible, so what's a good midrange option for monitors? Do you have a favorite anecdote or a horror story to steer this PPA photographer in the right direction? Chime in!

When your clients insist on just having the files and not having anything printed, what's an appropriate price? And would you barter for leads? Share your feedback with this PPA photographer!

If you're a newborn photographer, how do you handle sales sessions? New moms have their hands full and adding to their stress won't lead to your top sales, so what's the best option? Help this PPA newborn photographer navigate her way to better sales here.

As a photographer, it's important to get your name in front of your potential customers. Have you ever used a mall display? If so, how did it work? Weigh in on this thread!

When a job is substantially larger than any other job you've done, how do you go about handling the pricing? For this PPA commercial photographer, do you do it by the hour, by the unit or just a flat rate for the whole project? Weigh in here!

Remember to check out theLoop, a safe and protected online community where PPA members can discuss a range of photography topics. Not a PPA member? Join here!

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Sarah Ackerman manages all things social media for PPA and Imaging USA. When she's not living on the internet, she loves improv comedy, going on wilderness adventures, gallivanting around the globe, knitting, wood working and yoga. 



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Here is a consumer video for senior yearbook photographers to upload to their website or play on a monitor in their waiting room. This video was created to help seniors and their parents see the value in hiring a PPA senior yearbook photographer.  In this video, PPA senior yearbook photographers descend upon a high school senior class at the start of their final year. High school seniors are shown sharing their stories and talking about why it's so important to hire a pro. PPA photographers talk about the importance of being prepared and on task so they can spend time helping seniors and their parents feel comfortable in front of the camera. 

See The Difference is an online, print and social media consumer awareness campaign that aims to help consumers see the difference when evaluating photographers. PPA photographers get access to a FREE marketing toolkit that includes shareable videos, customizable brochures, logos, side-by-side comparisons, dedicated landing pages and consumer tips/FAQs. 

Watch and share this video with your clients to help them See The Difference when choosing a senior photographer! For more information on See The Difference marketing resources, visit PPA.com/SalesTools.



by Lindsey Forson

You may have heard about the Copyright Review currently underway in the Judiciary Committee of the United States House of Representatives. If so, read on, as this is going to be a good update, otherwise read on, as this is stuff photographers need to know. You may be wondering what a Copyright Review on Capitol Hill could mean for you and your business. Some photographers may even be worried about potential changes to the Copyright Act, while others are excited about the prospect of improvements for small business creators. There is a lot of information floating around about this Copyright Review process and while most of it is very informative, a small amount is quite misleading.

That is why we are separating facts from fiction for you!

PPA works on advocacy in very close cooperation with several other visual arts associations. In recent PPA advocacy coverage you have likely read about the congressional briefing PPA hosted on Capitol Hill in which we included many of these organizations and the annual summit we participated in where we worked with these groups to set joint legislative priorities for the coming year. Another recent joint venture is a free webcast produced for the creative community, Copyright Reform: Separating Fact from Fiction.

We encourage professional photographers across the U.S. regardless of your specialty, to check out this series of six mini-webcasts as they will give you expert insight into just what exactly is going on up on the Hill.

The webinars are presented by two copyright esteemed experts in the field: June Besek, Executive Director of the Kernochan Center for Law, Media and the Arts at Columbia Law School and intellectual property attorney Nancy Wolff of Cowan DeBaets Abrahams & Sheppard LLP. Take advantage of this unique opportunity to hear about this important topic.

PPA is extremely excited about the possibility of some real, tangible improvements to our nation's Copyright System, especially for professional photographers! With our feet on the ground on Capitol Hill, we are actively fighting for a small claims enforcement option, improvements to the registration system, and modernization of the Copyright Office that will immensely help protect, enforce and defend photographers' copyrights! You can rest assured that should anything arise from the Copyright Review that could potentially be harmful to creators, PPA is here, fighting for photographers rights in particular, visual artists rights in general!

Learn more about PPA's advocacy efforts at PPA.com/Advocacy and Be More Protected!

Lindsey Forson is PPA's Copyright & Government Affairs Coordinator. She works with members on a daily basis addressing copyright questions and works closely with our CEO to advocate for  professional photographers on Capitol Hill and to keep members informed on the issues that affect their businesses. She's new to Atlanta and spends most of her free time exploring the city (restaurants, markets, parks); spends three nights a week playing soccer and is a huge Auburn fan.


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By Sarah Ackerman

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As a small business, every penny counts and you're always looking for ways to save. As a PPA photographer, you can now stop over spending on high credit card processing fees! Think of how big of a boost that could be to your bottom line! 

PPA has been working toward discounted rates for PPA photographers through Bank of America Merchant Services. Members who have made the switch have saved hundreds (at times more, depending on the volume you process each year!). 

Since this new benefit launched, we heard you loud and clear and worked with our partner to make things extremely simple and help you truly compare apples to apples. In a nutshell, here's what you get: 

Mobile or virtual terminal: 2.31% swiped, 2.91% non-qualified (when you key it in). 
Terminal pricing: 1.80% swiped, 1.95% non-qualified (when you key it in). 
No per item, no set up fees and no monthly cost!* That simple.

As a comparison, Square charges a flat 2.75% per transaction. So this is as simple as Square, but a lot more economical!

There are no (zip, zilch, nada) pesky monthly fees for the regular transaction processing and the table below should  help you see the immediate savings:

Monthly Credit Card Processing Amount

PPA Members

Square Users

Monthly Savings

Annual Savings

$300

$5.40

$8.25

$2.85

$34.20

$1,000

$18

$27.50

$9.50

$114

$2,500

$45

$68.75

$23.75

$285

$5,000

$90

$137.50

$47.50

$570


Bigger and more savings are even possible with an interchange rate setup. It's more complicated, but if you process a lot of transactions each month, it will save you even more!

See for yourself! Bank of America Merchant Services is offering free statement comparisons - just call them at 888-317-5402 (7am-7pm CST) or email TellMeMore@BankofAmericaMerchant.com to see how much you could save. 

Make the switch today to Be More Profitable.

*No monthly fee" applies only to the Bank of America's virtual terminal. Should you go through a third party such as PayPal, etc. additional fees may apply. 

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Sarah Ackerman manages all things social media for PPA and Imaging USA. When she's not living on the internet, she loves improv comedy, going on wilderness adventures, gallivanting around the globe, knitting, wood working and yoga. 



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By Sarah Ackerman

As an independent photographer, we know health insurance for you and your family can weigh on your mind. We're proud to announce that as a PPA photographer, you now have access to the best, most convenient health insurance services for you, your family and your employees, thanks to a new partnership with Lighthouse Benefit Resources!

At PPA we listen to the needs and concerns of our members and work hard to provide the services you are seeking. Over the past couple of years, you asked for affordable, competitive health insurance, so here it is! 

From health to life to dental, vision, pet insurance and more, the PPA Private Exchange has you covered. You will find everything you need to know on this new private insurance exchange at: PPAexchange.com.

The PPA Private Insurance Exchange provides a full array of competitively priced insurance products to our membership. From Health to Life to Dental, Vision, Pet insurance and more, the PPA Private Exchange has you covered.

The Open Enrollment dates for this year are November 1, 2015 through January 31, 2016.  But, you should note that if you do not have a qualified insurance plan in place effective January 1, 2016 you are subject to a federal penalty according to the Affordable Care Act. In order to avoid any gaps in coverage it is suggested that you purchase insurance prior to December 15.

Want to get started? It's easy! Call your dedicated PPA insurance call center to get help in purchasing your insurance at 855-550-0859.

We are excited to bring this benefit to you! Don't be left out! Visit PPAexchange.com to Be More Covered.

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Sarah Ackerman manages all things social media for PPA and Imaging USA. When she's not living on the internet, she loves improv comedy, going on wilderness adventures, gallivanting around the globe, knitting, wood working and yoga. 



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By Sarah Ackerman

Even with the most rigorous data backup routines, the best malware protection and general computer care, things can slip through the cracks. Drives will eventually go bad, data will one day be just gone. Poof!

Don't fret! With PPA's Indemnification Trust (PPA's Trust), you're protected from the massive expenses associated with data recovery. You just pay a small deductible. Listen to Amber's story of how she used PPA's Trust to pick up the pieces after her iMac started to experience issues... Data recovery is very stressful and can be costly. Be More Protected!

 

 

And that's just the recovery part...Think about adding the potential contractual implications if you actually end up losing your images.. Trust covers you for that and more! It protects you against anything that could be considered your responsibility - such as equipment malfunction or an unsatisfied client (have you met the infamous bridezilla?) Only photographers who belong to PPA can be covered by the Indemnification Trust, so join today! Most people do at some point run into a legal issue with a client in their business life, so don't risk it; you'll be thankful you joined. Learn more about PPA's Indemnification Trust here. 


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By Sarah Ackerman

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For many photographers, we're entering the busiest season of the year! Your business can't afford for you to spend a down day in the waiting room for you, your kids or your employees.

Call a Doctor Plus is yet another service PPA photographers can take advantage of at deeply discounted rates. This telemedicine service is perfect for the busy photographer. It provides 24/7 access to U.S. certified physicians who can diagnose and prescribe over the phone or through an online chat. For a small monthly fee of $8.95 (compared to $24.95 regular rate), PPA members can pick up the phone or log on to a website and get answers, assistance, and even prescriptions. Once your consultation is complete, your records can be sent to your primary care doctor so they are still in the loop and you'll be able to pickup your prescriptions at your local pharmacy! Talk about a time, stress and money saver (there's no copay!)

For independent photographers, the cost of health insurance can be staggering! Call a Doctor Plus is a health and wellness telemedicine service that provides patients with effective, immediate access to medical services. But here's best part: there are no copays, no deductibles and no per-call charges. And, your subscription includes up to 5 users at no additional cost, meaning that you can include employees (maybe as a perk?) or 4 additional family members... at no extra cost!

Read more about the service and Be More Prepared... Take advantage of the huge PPA discount; this service can help a lot! PPA.com/CADR+

Sarah Ackerman is known around PPA as #Sarah in part because she handles all things social media and in order to differentiate herself from the other Sarahs in the office. Sarah loves improv comedy (think "Whose Line") and routinely performs around Atlanta. When she's not tweeting/facebooking/instagramming all of the action at PPA, she can be found gallivanting around the world or wandering around the woods with her pup, but more than likely she's on stage making people giggle.

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By Chris Homer

At some point during your photography career you'll be shooting for a client when you fall victim to Murphy's Law - that idea that everything that can go wrong, will go wrong. Don't panic though; PPA's Indemnification Trust is here to protect members when something like that happens and when your responsibility is engaged. That happens often for equipment malfunction, professional errors, or plain and simple unsatisfied clients in general! 

When you file an Indemnification Trust claim, you will be connected with one of PPA's attorneys, the most experienced attorneys in the world at defending professional photographers. The connection is usually established within a single business day because we understand that when a storm hits it's hard to wait. The attorney will advise you on next steps to take. If the problem can't be solved without litigation, then the Trust will appoint and pay for local attorneys to defend you and pay any damages awarded to your client. You will only pay a small deductible to use the Trust and will never pay an attorney's bill! 

If you're a professional photographer, the Indemnification Trust could save your business. There's too much at stake for a small business owner like you NOT to be protected. But don't take our word for it; In the video below, PPA photographer Abbie explains how the Trust helped her protect her business and her reputation... from a bad issue of client dissatisfaction. 




Only PPA members can be covered by the Indemnification Trust, so join today! If you ever run into a legal issue with a client, and most people do at some point in their business life, you'll be thankful you did. Learn more about PPA's Indemnification Trust here. 


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About the author:
Chris Homer is PPA's SEO & Web Specialist, which basically makes Google Analytics his best friend. A graduate of the University of Georgia, Chris cheers passionately (and obnoxiously) for the Bulldogs in all things from football to checkers. When he's not hard at work on PPA's websites, you'll find Chris at auto racing events around the southeast, where he's known as a master architect of tent villages.



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Like any small business, most photographers are always looking for ways to save. PPA photographers can now stop wasting money on unnecessarily high credit card processing fees. All that cash can (and should) go straight to your bottom line! 

PPA negotiated deeply discounted rates for PPA photographers through Bank of America Merchant Services. Members who have made the switch have saved hundreds (at times more, depending on the volume you process each year!). 

Here's some fun math! We compared the negotiated PPA rate using Bank of America's standard terminal against a standard mobile processor from the well-known company Square. 

For regulated debit card (legalese for credit card) rates:   
Bank of America: Current interchange (0.05% + $0.22) plus 0.07% plus $0.07 = 0.12% + $0.29 per transaction 

Square: Flat 2.75% per transaction

Monthly Credit Card Processing Amount

PPA Member Fee

Regular Fee with Square

Monthly Savings

Annual Savings

$300

$0.65

$8.25

$7.60 / month

$91.20 / year

$1,000

$1.49

$27.50

$26.01 / month

$312.12 / year

$2,500

$3.29

$68.75

$65.46 / month

$785.52 / year

$5,000

$6.29

$137.50

$131.21/ month

$1,574.52 / year


There are no (zip, zilch, nada) pesky monthly fees for the regular transaction processing. And if you add the option to process mobile transactions, that's only a flat $9.95 add-on per month.

See for yourself! Bank of America Merchant Services is offering free statement comparisons - just call them at 888-317-5402 (7am-7pm CST) or email TellMeMore@BankofAmericaMerchant.com to see how much you could save. 

Make the switch today and Be More Profitable today!

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Sarah Ackerman is known around PPA as #Sarah in part because she handles all things social media and in order to differentiate herself from the other Sarah's in the office. Sarah loves improv comedy (think "Whose Line") and routinely performs around Atlanta. When she's not tweeting/facebooking/instagramming all of the action at PPA, she can be found gallivanting around the world or wandering around the woods with her pup, but more than likely she's on stage making people giggle.

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By: Lauren Walters

Accidents happen -sometimes you may drop your camera or break a lens on the job. But what happens next? You have to pay out of pocket to fix or replace your gear and ultimately return to work. What if you didn't have to rely on your own savings account as an insurance policy? PPA can protect your photo gear with PhotoCare Equipment Insurance.

Why PhotoCare? Other insurance companies offer insurance policies that may fit your budget, but this one was crated for PPA, specifically to fit photographers' needs. Instead of going to a one-stop-shop general insurance company, PhotoCare Equipment Insurance will give you peace of mind; it's been created for photographers like you.



All PPA photographers receive up to $15,000 of equipment coverage as part of their membership--They just have to activate it (it's free) and PPA pays the insurance premiums! Best of all, it covers loss or damage of your professional equipment due to fire, theft or damage.

Don't risk your business or facing big out-of-pocket expenses. In the professional world it's not a matter of if but when, because things will happen! So if you're already with PPA, make sure you have activated your PhotoCare Equipment Insurance! To do so, go to My PPA and activate your equipment insurance!

Not yet a member? Join now and Be More Protected. It's that plain simple.

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About this Archive

This page is a archive of recent entries in the PPA Benefits category.

PPA Affiliates is the previous category.

PPA Charities is the next category.

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