freelancing

Credit card photo scam

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Internet scams that target photographers have been around for years. Over the past couple of years, there’s another scam involving credit cards.

Posing as a customer, a scammer will ask to hire a photographer for an upcoming event but only if the photographer accepts credit cards. If the photographer agrees to the work, the “customer” will then mention that they also need to pay another event supplier who doesn’t take credit cards.

The scammer will offer to send extra money to the photographer which the photographer can use to pay that other supplier. To tempt the photographer, the scammer will promise the photographer a couple hundred dollars extra for their trouble.

The scammer will use a stolen credit card to pay the photographer’s fee, the other supplier’s fee and the extra money for the photographer’s trouble. The unsuspecting photographer will be told to pay the other supplier immediately – it’s urgent! – but only in cash through Western Union.
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To Your Credit

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If you accept mobile, point-of-sale credit card payments by using something like Square, there are a couple things you need to know:

• As you’ve probably heard, Apple has removed the 3.5mm headphone jack from its new devices. Lenovo has also started doing this and it appears Samsung may do the same. The problem caused by removing the headphone jack is that credit card readers, and many other devices, use the headphone jack.

Sidenote / rant:   The reasons why Apple removed the headphone jack aren’t exactly what Apple tried to spin by saying it was an act of “courage.” The move to the proprietary Lightning connector and the concurrent move to USB-C ports (which can accept proprietary restrictions) greatly increase Apple’s control of third-party devices that can connect with Apple products.

This move is expected to generate a lot of money for Apple since third-party manufacturers will have to pay for licensing, pay for Apple’s proprietary MFi chip and other components, and pay a royalty on each and every device they manufacture. By contrast, USB and 3.5mm audio connectors are royalty-free, OS-independent, device-independent and they fall outside of Apple’s control.

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The Photography Gig Economy

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You may have heard the trendy phrase “gig economy” which, I suppose, is the opposite of a job economy. Of course, if you’re a self-employed photographer, you’re probably laughing at the discovery of this “new” economy. Another laughable trendy phrase is the “sharing economy”.

In the old days, someone could have one job for their entire life but that is disappearing. Today, more and more people are self-employed and they freelance for a number of employers. A short-term job here, a temporary job there.

As every self-employed person will tell you,the (growing) problem is that freelancers fall through every crack in every labour law. No minimum wage, no set hours, no legal overtime, no guaranteed meal breaks, no sick pay, no holiday pay, no statutory holidays, no benefits, etc.

Canadian freelancers aren’t covered by any labour law. In fact, Canadian freelancers aren’t even guaranteed that they will get paid for their work.

A few days ago on October 27, 2016, New York City passed what could be a landmark new law in the USA. The so-called “Freelance Isn’t Free Act” will help protect freelancers from late-paying and non-paying customers.

Recognizing the shift toward the gig economy, a British MP yesterday called for a minimum wage for self-employed people. The United Kingdom already has a late payment law which helps freelancers collect on late payments [link to PDF].

The number of self-employed and freelancers is going nowhere but up (and here). And it will get worse.

Canada is doing nothing.

 

Using Craftsmanship In Your Photography

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One of the good things about being a photographer is that you get to make pictures. There are many other occupations where people do things but they don’t make anything.

But as digital technology progresses, we move further away from working with our hands and further from actually making photographs. When I was your age, photos didn’t just pop out of a camera or a computer, they were birthed in a darkroom :–)

Old-time photographers will tell you that working in a darkroom was therapeutic, stress-relieving and magical. You were hands-on with your photography as you created your finished pictures. Note those two ingredients: working with your hands and being creative.

With today’s cameras, you get to be hands-on with a computer keyboard. This is certainly faster, easier and less messy than being in a darkroom but it’s not as beneficial as when you got your hands wet. We don’t really make photographs today but rather we process digital data.
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Great Expectations

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If anyone else can do the same pictures as you, even an amateur with a cell phone, then you’re probably out of a job.

Every customer expects that you own the necessary camera gear and the appropriate computer and software. They expect you know what you’re doing.

Customers expect that you can do more than just take pictures. After all, anyone can take pictures.

Customers also expect that you:

• Are self-motivated and have up-to-date skills.

• Know something about the legal, moral and ethical issues surrounding photography.

• Understand picture usage and licensing.

• Have suitable people skills.

• Have project management skills.

• Can think and act in the best interest of the customer.

They also expect that you know their expectations.

As a professional photographer, you’re expected to be the expert when it comes to all things photographic. You’re expected to be more than just a camera owner and operator.

Are you marketing yourself as a camera owner and operator or as a photography expert?

An owner and operator markets what equipment they own and their technical abilities. These photographers are essentially nothing more than a human photo booth.

A photography expert markets their experience, their management skills, their willingness to be a team player, their trustworthiness and their effectiveness. This is the best way to show that you’re not just someone with a camera.

Customer expectations are about much more than just pictures.

 

Accounting for yourself

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If you haven’t learned this by now, you must have organized records for your business and these records must be kept for at least six years.

Here’s a brief, alphabetical list of software for accounting, small business management, estimating and invoicing that may be of help to photographers. Some of these are expensive and some are free.

Acclux
Blinkbid
Fotobiz and Fotoquote
Freshbooks
Light Blue
Minutiae
Quickbooks
Studio Cloud
Studio Plus
Tave
Wave
Xero
17 Hats
Zoho Books

 

Insurance for Canadian Photographers

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(Updated August 1, 2023)

It should be obvious that insuring your camera equipment and your business is very important. Some customers and some locations may require that you show proof of insurance (i.e. a certificate of insurance). In some situations you may have to increase your coverage or temporarily add a customer or venue to your policy as an additional insured. Any such additional insurance costs should be billed to the customer.

Here are some Canadian companies that offer photo-related insurance. This is not meant as a recommendation.

Disclosure: I was insured with CG&B Insurance (aka. Unionville Insurance) from about 1985 to 2016. I’ve been insured with Front Row Insurance since 2016.

For annual insurance, I currently pay about $1.22 per $100 of equipment insured, plus $260 for $2M liability insurance, plus other insurance options, plus provincial sales tax. The cost may vary from province to province.

 

PhotoPac from Arthur J. Gallagher Canada is insurance for photographers and filmmakers. Photographers may recall PhotoPac from Unionville Insurance Brokers (late 1970s to mid-1990s). Then it became PhotoPac from CG&B Group (late 1990s to 2010s). It’s now PhotoPac from Gallagher which is part of an international insurance brokerage. Note that the provided link to stepinsure.com is correct but it doesn’t always work which isn’t reassuring.
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