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Role of California Health Insurance Agent and How They Can Benefit You?

Officially, an Agent is an individual or company that acts on behalf of the insurance company to market, sell and service insurance. The Agent has a contract with the insurance companies in order to represent a specific insurance company. A broker is person who also contracts with insurance company but officially acts on behalf of you the client. All agent and agencies are compensated by the insurance companies and therefore are at no cost to you. The difference between agent and agency is that agent is individual contracted with insurance companies and agency usually has many agent working under umbrella of the agency. In most cases agents working under agency are employees.

Agents role is to find best possible and the most affordable option for your money. In most cases there is no incentive on the agent’s part of which company you decide to go with. How agents get paid by the insurance company is strictly regulated by the insurance commissioner. When looking for agency or agent make sure that they are brokers who represent as many health insurance companies as possible. There are dozens of plans on the market, therefore finding agent who can get you the best possible plan for your money will save you thousands long term. Just looking a rate quote and benefit summary is only half of the story when choosing health insurance. Some plans exclude certain benefits or apply caps to other types of coverage. Agents know the lay of the land and you would personally not want to purchase health insurance just based on a rate quote.

Some insurance companies have captive agent representing them. Captive agents can only represent one insurance company. They are essentially employees for that company. I would avoid such companies as they may not have the best interest of the client at heart. If a company cannot quote multiple carriers, beware. The major carriers in California are Blue Cross of California, Blue Shield of California, Health Net, Pacificare, and Kaiser. Beyond these five, we do not feel very secure about the others.

How are agents or brokers paid? Agents are paid a commission by the carriers for policies issued and in force. The commission tends to be about the same from carrier to carrier. This commission does not affect the rate. The insurance rate you will get through an agent/broker is the same as you would get going directly through the insurance company. The benefit of the agent relationship is that they navigate the insurance company to expedite processing, help with service issues once enrolled, and act a third party. Insurance company’s main interest to keep you enrolled as policy subscriber but your interest may actually lie with another insurance company or plan. An independent broker can help bridge the two at no additional cost to you.

What to expect from your broker/agent?

This really is the most difficult part and it is the reason that people put off getting health insurance. There are many plans and the language is pretty technical. Most people glaze over when they see the brochures or instant quote results. Let’s face it….health insurance is not a common purchase. Typically, people have not needed to shop health insurance in years…if ever. With a few targeted questions, the plan selections can be narrowed down significantly. With great agent you wish you would have called they earlier rather than try to navigate the volumes of information provided the plans. Most Insurance agent do not sell. They listen, advise, and then it’s up to you what you wish to do.

California application and enrollment.

The health application is one more reason that people procrastinate. There are sections in there are mandated by law but which are thoroughly confusing such as the HIPAA qualification. Small Group can be equally difficult in terms of qualification for Small Group health coverage. Insurance agents are happy to walk you through the application once a plan has been decided on. This is also the time to ask about the process, payment options, cancellation options, time table for enrolling in coverage.

Health Insurance Service and Membership.

Once the plan is in effect, agent is your point of contact for membership issues, claims, and future changes. Agents go in at the end of each month and make sure that faxed changes, additions, and requests have been processed correctly. The insurance companies are pretty good but 1 out of 100 requests do not show in the system. You do not want to be that one with such a critical issues as your health insurance. We can also advise for ways to reduce costs when the rate increase occur based on your changing health insurance needs.

Keep in mind that you can always contact the carrier directly if you choose but why would you? Let Insurance agent do the work for you since there is no additional cost to you.

Agents and brokers are required to have a license and continuing education by the California Department of Insurance. You can always research an agent’s history, insurance company contracts, and other information through them. There are different types of licenses. The two most common are Life/Health which is used to transact California health insurance and Property and Casualty is used to transact insurance such as auto or home insurance.

Jesse Segle – leading consultant for employer group and individual/family health insurance. For any additional information and assistance with all of your health insurance needs visit our websites California health insurance and Assurant health insurance

Hard Money Lenders, Can They Really Help?

Borrowing money to buy a house requires a lot of thinking over and assessing if you can manage the responsibility. Borrowing from “hard money lenders” appears to be a resource you will turn to out of pure desperation. The tag “hard” gives the lending part a frightening appeal hence, a clearer view of what “hard money” lenders are and when to resort to them will be quite useful.

Hard money lenders are private individuals or small local companies who extend loans, to a desperate borrower who fails to settle a regular loan from a regular bank. Of course, the lending involves a high rate of interest and accompanied by fees way beyond what is prescribed in conventional loans.

The private investors who extend such loans make sure that the collateral for these loans have more than enough value compared to the amount they will put to risk as loans. Hence if hard money loan does not get paid, the hard lender investor literally bought a property way below its true value. Any subsequent sale of the collateral property will make a killing in terms of profit.

The poor and desperate borrower on the other hand who fails to settle hard money borrowings, literally sold a high-priced property in exchange for a very low value, which is the hard money loaned. Failure to make payments on the loan still entitles the borrower to a 30-day leeway before it reaches 120 to 180 days into full delinquency status. After these periods, the private lender starts foreclosure proceedings on the property.

When Do We Resort to Hard Money Lenders ?

Resorting to hard money lenders should be done with other definite plans in mind other than transferring an unpaid debt to another form of unpaid debt. Funds loaned from hard money lenders should serve only as a lifeline, hence these funds should be resorted to only if:

1. You already have a buyer for your property awaiting finalization of sale conditions and payment. The money you borrowed from the hard money lender only serves as a lifeline to settle an existing loan that needs prior and immediate settlement. The instant your pending sale of the property finally pushes through, money borrowed from the hard money investor can now be paid off including the interests and fees due thereon.

2. You can develop the real estate property for minimum costs with a high probability of the rehabilitated property being purchased or rented out. This then will provide you additional source of funds to pay –off the hard money loaned.

3. You are a real estate investor needing funds to get a first hand deal on a prime property being auctioned off at a low price and which has a high probability of being sold at a good price. The money loaned from the hard lender can be paid off once the prime property is sold.

Due to the rigid terms involved in hard money lending an individual should resort to this form of money resource only if the money loaned has a high probability of generating repayment funds. Otherwise, the fund which is supposed to be an extension of your lifeline will only be the beginning of your end line.

Ciel S. Cantoria – Mainly a housewife, professionally a CPA and now a full-time Filipino writer.

A History Of Canvas Prints And How They Are Made

For centuries artists have chosen canvas as the material to showcase their masterpieces. Prior to the 20th century, linen was used to make canvas when cotton wasn’t in common use. The surface of canvas is not perfectly smooth; therefore the texture has an effect on each painting when it’s applied.
Because of this texture, a slight distortion may occur, which is why the realism of paintings of classic art is hard to approach. A modern artist typically attempts to combine the properties of their canvas with their paint to make a better quality painting. Before the days of modern canvas, an artist would make his or her own canvas. They would layer raw material, again usually linen with lead white paint, then polish the surface repeatedly for as long as a month.
Today, most canvas is made from cotton. Cotton based canvas can achieve the same level of perfection as linen but in fact may be a better material than linen for the production of canvas prints. Cotton canvas can stretch more than linen and has a more even mechanical weave that can last for decades.
Canvas prints give the appearance and texture of a handcrafted artwork but in reality is simply a software program’s transfer of a photograph that has been applied to the canvas. Transferring photos and making canvas prints has become a large business in the past 10 years
Repligraph
Repligraph is a dye printing process on canvas. A computer is not part of this process as the prints are reproduced from negatives. The dyes use an oil paint base so they are best in reproducing oil paintings and give great results. The dyes are very long lasting, estimated to last for at least 100 years.
Digitograf
With the digitograf printing process the inks are also oil based but have a gel finish making it more durable then repligraph printed pieces. With this process, an oil painting can be replicated to look almost like the original.
IRIS Printers
A common printing process used especially in commercial applications is called IRIS. Great for display signage, custom displays and window graphics it uses an inkjet method of printing applying a vegetable based dye. This method is especially good when reproducing watercolor paintings.
If you have this process done, be sure to have your printer put a UV coating over the canvas print to reduce any fading from the sun. Some canvas prints will have a varnish applied to the finished product. This provides a clear, hard, protective shield. The varnish is simply a clear mixture of a drying oil and resin and since it contains no pigment like paint, usually dries clear and transparent.
Get The Right Color
Digital cameras and scanners create an image by using only three primary colors, Red, Green and Blue, the same three colors your computer uses to show a display on your monitor. A full color printing press uses a different combination of Cyan, Magenta, Yellow and Black. Each color is applied separately one overlaying the other. This is the process that most magazines, display signage and window graphics utilize. If you are particular about getting the best copy possible, you will want to convert the image as seen from your digital camera into the format used by the full color printing press prior to giving it to the printing company.
What Is A Wrapped canvas?
A technique where the canvas is stretched and wrapped around the sides of the framing board is a unique way to display canvas prints. The wrapped canvas is done with special stretcher bars in order to make them strong enough to hang unframed without warping. Although stapled, the staples are on the inside and not visible from the front or any side, it’s ready to hang just as it is.
Today, canvas is still a popular choice for display signage. The material brings a sense of quality and longevity to the message portrayed upon the canvas. In terms of ad signage, the materials can deliver just as much of a psychological message as the ad copy and imagery itself.

Author is a freelance copywriter. For more information on Canvas
Prints
and Display Signage, visit http://www.wlconcepts.com.

Car Insurance and Your Claims: They MUST Pay!

To further complicate matters, even if a loss is covered, the policy most likely includes a deductible as well as coverage limits. Depending on the nature of the loss, multiple insurance companies may be involved. For example, if a storm strikes and you have both wind and flood damage, you may have to file a claim with your homeowners insurance for the wind damage and another with the national flood insurance program (if you have flood insurance) for the water damage.Depending on where you live, your deductible may be higher under certain circumstances. For example, in Florida, your insurance deductible for hurricane damage is much higher than if your home was burglarized. So, will your local insurance company pay or won’t they? Look at it this way, insurance companies DON’T want to pay. They are in business to generate profits and will need to be convinced BY YOU that the claim should be paid. The burden of proof lies on you, the homeowner. This means that you will need to prove your case and do it well. The better prepared and more organized you are, the better.

Start with documentation. You may need to take dozens of photos and provide your direct insurance agent with detailed estimates to counter against the insurance company’s original settlement offer. You may need to demand to see how the agent depreciated your property and negotiate a more reasonable method. While your homeowner’s insurance policy is a contract, the claims process does provide room for negotiations with auto insurance company (more information on best negotiation tactics in How to Contact with Auto Insurance Company? article).

Your best bet is to be prepared for a fight. Your tools in this battle include a detailed home inventory, digital photos and video documenting the damage, estimates from local contractors, and a willingness to demand a better offer. You don’t have to do this alone. In fact, many contractors are willing to be present during the insurance adjuster’s visit to help point out damage that the adjuster might have otherwise ignored. In addition, public home or auto insurance adjusters act as advocates for the homeowner and work on your behalf to negotiate a higher settlement offer.Arm yourself with knowledge, documentation, and real-world estimates while also considering professional representation and you’ll be better equipped to answer the question, “Will they pay for it?”

Willie James is a car insurance expert of Online Car Insurance News Review agency. His job is to analyze american auto insurance information and publish different reviews for Federal Insurance Bureu (FIB) in Moscow, Russia. His hobby is styding a plants and smoking mixes Spice Spike and exotic entheogens.

Canvas Attributes and How They Relate to Making a Good Business Decision About Which Digital Inkjet Canvas your Company Should Use

As inkjet canvas continues to gain popularity in the fine art and photographic digital printing industry, the multitude of available brands and varieties will persist and eventually flood the market in an attempt to take advantage of this increasingly desirable consumable. Current market research shows that inkjet canvas is selling three times more than inkjet paper, which historically, has never been the case. This swing in market trends suggests that art consumers are impressed by the aesthetic appeal and novelty of digitally printed inkjet canvas as it is a relatively new, yet logical medium for fine art reproduction. As an entrepreneur running a printmaking business, selecting an inkjet canvas that will be the foundation for your reputation and long-term success amid the array of possibilities, can be a daunting if not impossible undertaking. Nevertheless, it is the responsibility of the printmaker to understand and test inkjet canvas to source the highest quality to ensure sustainable-revenue and the integrity for their business. Therefore the purpose of this article is to provide printmakers with the proper tools to evaluate inkjet canvas based upon empirical data and measurable attributes; in an attempt to produce higher-quality, more-archival, and ultimately more sellable fine art inkjet canvas prints.

In order to properly evaluate inkjet canvas for your printmaking business, several criteria must be evaluated and considered. This criterion can be broken down into four primary categories: aesthetic appeal, longevity, production/business practicality, and brand association. Testing multiple brands and types of inkjet canvas is the best thing you can do for your business, your customers, and the fine art industry as a whole. That being said, the first thing you will need to do to get started is purchase sample material from several leading inkjet canvas manufacturers. Let this article be the guide or checklist to walk you though the important evaluation process. Aesthetic Appeal

This category has been listed above all others because it is the single most important factor for evaluating your primary, “house” inkjet canvas. The fact is that this is the fine art industry and whether you are the artist, a gallery owner, a publisher, or a printmaker, the ultimate universal goal is to sell art. Art is predominantly sold as a result of its aesthetic appeal and the emotional derivative of the image presentation. In other words, the better your prints look, the more your artists will sell, which will naturally result in more printing business. If the artists that you print for are confident that you are reproducing their work in the most visually appealing manner and this is reflected in their print sales, you can be sure they will continue to employ your services. On the other hand, if the artist decides to shop around or happens to come in contact with an alternative printmaker who is obviously producing superior inkjet canvas prints, the artist will be gone in an instant. The only way to be certain that you are producing the most visually appealing inkjet canvas prints, is to test several different inkjet canvases for color gamut, Dmax (optical density), resolution, texture, and weight. Let us carefully consider each of these attributes individually.

Color Gamut – In this increasingly competitive industry simply offering great color reproduction is not enough. You need to offer the best color reproduction. Although precise color gamut measurement tools, such as a Colorimeter or spectrophotometer can and should be used if available, the naked eye is usually enough to distinguish a superior inkjet canvas. Print a color target, which consists of several individual color patches, on each inkjet canvas that you are evaluating. Use these targets to compare each individual color to determine which inkjet canvas produces the best color gamut. It is also recommended to print the same, colorful image on each inkjet canvas and see which produces the most vibrant colors.

Dmax – Dmax is a measure of maximum density of an image’s color but more specifically its black density. Again, the most precise measurements can be taken with a densitometer, but the naked eye will suffice if this equipment is not available to you. When discussing paper and inks, Dmax is commonly defined as the blackest black possible. Black density is arguably the most discernable characteristic in evaluating the quality of ink, paper, inkjet canvas, and even printmakers themselves. Therefore achieving the blackest black possible should be the most critical concern for every fine art printmaker. In this increasingly competitive industry, as with color gamut, offering great blacks is simply not enough. You need to offer the blackest blacks possible.

Resolution – This refers to the smallest discernable dots or pixels, commonly measured as dpi or dots per inch. In relation to fine art reproduction, it is a measurement of the “fineness” of detail in a printed image. Resolution is a crucially important attribute because without “fineness” and detail, image quality is compromised. No matter how accurate your colors are or how dense your black may be if the image appears blurry up close instead of clean and crisp, you will have significantly decreased your chances of selling that print as it will negatively affect its overall perceived value. This will inhibit the artist from obtaining true market-value for his/her work, which will cause you the printmaker to lose business to a competitor who uses a inkjet canvas with superior resolution. It should be noted that inkjet canvases with excessive texture can also compromise resolution and should be avoided. The drastic peaks and valleys in the inkjet canvas texture can cause ink to “bleed”, or run, which will blur minute aspects of a printed image.

Texture – The optimal texture of inkjet canvas is one that will exude a natural inkjet canvas look, without compromising resolution or reducing the amount of viewable angels in which the art can be appreciated. The latter is caused by any type of glossy finish on a highly textured inkjet canvas. The result is a “sparkling” affect caused by light reflecting off of the glossy peaks and valleys of the textured inkjet canvas. Sparkling inkjet canvas prints no longer take on the qualities of an original painting which causes art consumers to perceive them as cheap reproductions. In an industry driven by quality and aesthetic appeal, cheap reproductions won’t sell and will be detrimental to a printmakers’ reputation. All in all, even if a inkjet canvas is a clear leader in color gamut, dmax, and resolution, it may have excessive texture which alone can compromise quality. Therefore, printmakers should test for excessive texture. This can be accomplished in two ways. First, print images with extreme detail and look for a lack of image cleanliness and crispness up close. Second, use a semi-glossy or glossy post-print protective coating and look for sparkling when light reflects off the coated surface. It is important to keep in mind that texture is primarily a subjective attribute of which everyone will have a differing opinion. As a printmaker, it is wise to advise your clients to make a texture decision based upon objective information that will improve the sale-ability of their prints rather than attempt to source unique inkjet canvas textures to appeal to every artist’s personal preference.

Thickness & Weight – These are completely subjective attributes that do not contribute to the visual appeal or the sale-ability of any inkjet canvas print. For their own reasons, usually related to their artist/customers, some printmakers have a tendency to place value on how a inkjet canvas “feels”. To the artist or printmaker (not the art consumer) perceived value can be associated with a heavier weight and thicker inkjet canvas. The fact is that it costs more to manufacture a inkjet canvas with a heavier weight and thickness, but neither weight nor thickness has any contribution to the visual appeal or longevity of a inkjet canvas print. The higher cost is simply not justified.

Once stretched, framed, and hanging on the wall in an art gallery nobody is touching or “feeling” the finished inkjet canvas print. These consumers have absolutely no way of determining the initial weight, thickness, or feel of the inkjet canvas. Therefore, these attributes are totally worthless unless of course they somehow affect your production process. For example, an excessively thin inkjet canvas might tear when stretching over frames. An excessively thick inkjet canvas might not feed through your printer. An excessively heavy inkjet canvas might senselessly raise your costs, lower your profit margins and in turn decrease your market competitiveness as a printmaker. Therefore, using a inkjet canvas because you like how it “feels” or how “heavy” it is, is just a disorganization of business priorities. Unless your customer requires a specific inkjet canvas weight or thickness, these two attributes should be considered your lowest priority. Generally it is a plus to have a heavier, thicker inkjet canvas but should not influence your inkjet canvas evaluation. Longevity

Longevity refers to how long a inkjet canvas print will last before it begins to noticeably deteriorate. This is an absolutely critical element in determining which inkjet canvas to use for your business. In order to appropriately label yourself a “fine art printmaker”, you must produce fine art prints. By definition, fine art prints are expected to maintain their constitution for several decades. Fine art prints that deteriorate in the short-term maintain almost no value and were in fact, never fine art prints to begin with. Thus, longevity must be taken into consideration in every printmaker’s long-term business strategy as selling deteriorating prints will no doubt contribute to the inevitable demise of your future business in the fine art industry.

Unfortunately, unbiased, objective longevity testing information about each inkjet canvas is not readily available. Therefore, the only real way to be confident that this longevity component is fulfilled is by choosing a reputable manufacturer with a worldwide recognized brand. These manufacturers have proven their ability to deliver and support fine art quality products to the masses. They also guarantee their products. Rest assured that if any problem does arise, most of them will be right there to fix the problem and/or reimburse you. A reputable printmaking business must have this guarantee where the manufacturer holds the risk. Printmakers should use these worldwide brands to their advantage by communicating their stability benefits to their own customer base. Nevertheless, it is important to understand exactly what characteristics affect the longevity of your inkjet canvas prints.

Acidity – One primary determinant of longevity is the acidic content within a inkjet canvas. The introduction of acid to a inkjet canvas print will cause it to quickly yellow and deteriorate. Finding a inkjet canvas that is completely acid-free and ph-neutral is extremely important in preserving the longevity of your prints. Most inkjet canvas suppliers will boast an acid-free product but in actuality they are referring only to the raw inkjet canvas material, conveniently leaving out the acidic content of the inkjet receptive coating applied on top, which completely negate the initial claim. In order to maximize and ensure longevity, printmakers should therefore make sure that a inkjet canvas has both an acid-free raw inkjet canvas base and an acid-free inkjet receptive coating.

Optical Brightener Additives (OBAs) – These are artificial brightening agents commonly used in many inkjet substrates to make them appear “brighter” or whiter than they actually are. According to the most recognized inkjet print permanence testing organization, the Wilhelm Research Institute, OBAs should be avoided because they compromise the longevity of fine art prints by causing yellowing, and by causing the colors of a print appear different under differing lighting conditions.

Color management guru David Coons of Artscans explains the difficulties in using OBA’s:

“Our main problems with OBAs are with reproducing original art with bright or pastel yellows. Since typical OBA coated media doesn’t reflect warmer wavelengths as strongly as conventional natural white watercolor papers, it’s often impossible to accurately reproduce many warm pastel colors such as light yellow.

Optical brighteners create an appearance of ‘brightness’ by inducing blue fluorescence in the presence of UV-rich light sources such as sunlight, metal halide, and fluorescent lamps. Papers coated with these brighteners tend to fight yellow inks in particular because of their bluish cast. Color management systems can help preserve relative color differences, but will never be able to overcome these physical limitations.”

In June 2005 worldwide inkjet canvas manufacturer Breathing Color, Inc. out of Orange, California (www.breathingcolor.com) released the first ever optical-brightener free inkjet canvas and since, the product segment has grown in popularity at a very fast pace within the USA and is spreading to other regions of the world. Printmakers using this product are taking advantage of the credibility and competitive positioning it offers.

Water-Resistance – History has proven that inkjet canvases without sufficient water-resistance are fragile and increasingly susceptible to damage by humans and the environment (humidity).

Although they can be protected and enhanced with solvent-based coatings, generally it is best to avoid them simply because they are more of a liability and increase longevity risk. Solvent-based coatings, which are mandatory with non-water-resistant inkjet canvases, also have a tendency to chip, crack, and flake over time and/or the sduringtretching process. Some manufacturers who have not yet been able to develop a truly water-resistant inkjet canvas have resorted to marketing semi-water-resistant inkjet canvases as water-resistant. Beware of these. Although there is no documented industry standard for water-resistance, printmakers can easily test this on their own. Run a print and allow it 24 hours to dry. Once the ink has completely dried simply poor a glass of water over the print. If a inkjet canvas is not water-resistant, the ink will run and smear immediately. Some highly water-resistant inkjet canvases can withstand this test even immediately after printing. Printmakers using truly water-resistant inkjet canvases also enjoy the added benefit of the ability to use a water-based post-print coating, which in most cases is much more durable than the solvent-based alternatives.

Post-Print Protective Coatings – Commonly sold in gloss, semi-gloss, and matte options, these post-print protective coatings are most commonly used to preserve and protect inkjet canvas prints from abrasion and harmful ultraviolet light. They are also used to enhance color and increase the visual appeal of a inkjet canvas print.

Printmakers should evaluate a coating for the following: First, it must sufficiently protect a inkjet canvas print from abrasion. This means that if anyone were to accidentally touch, scuff, hit, or spill anything onto the printed surface – nothing will happen. The integrity and value of the print is essentially preserved. Second, a giclee coating must protect a inkjet canvas from harmful ultraviolet light. Although it should always be avoided, this means that the inkjet canvas should not fade or yellow if it were to be in direct or indirect sunlight for extended periods of time. Third, a coating should be able to enhance color in order to increase the visual appeal of the inkjet canvas print. Fourth, a coating should not provide any sort of yellow cast over the image. This is a negative side effect that compromises the integrity and value of a inkjet canvas print. This yellow casting issue can be tested by simply comparing a coated and uncoated piece of unprinted inkjet canvas. If the coated portion appears yellow, then this coating is working against the quality of your reproductions and should be substituted with a more reputable product from a fine art manufacturer. Finally, the coating should not crack when stretching over frames. If the giclee coating cracks you are unnecessarily decreasing the quality of your inkjet canvas reproduction. All reputable inkjet canvas manufacturers have information on coatings that is compatible with their products. Selling prints that crack when stretched is unacceptable in this industry where public information about coating compatibility is readily available for all printmakers.

Only use fine art giclee coatings from reputable manufacturers that produce products specifically for the fine art market — not to be confused with coatings made to protect signage or other surfaces and are erroneously marketed by many suppliers as fine art coating substitutes. Beware of these untested products with no history or track record. Production

Now that we have discussed the most critical aspects of selecting an inkjet canvas in aesthetic appeal and longevity, let’s shift our focus production, more specifically, “how does this inkjet canvas work with your operational flow?” Production can and should be shaped around a high-quality, archival inkjet canvas, rather than finding a inkjet canvas that works with your current production flow. I say this because many printmakers are forced to make this decision when they encounter a problem with a inkjet canvas or supplier. “Do I select a new inkjet canvas that works well with my current system and flow or do I select the best inkjet canvas I can find and adjust my production flow around it?” Though the latter may be more difficult in the beginning, this decision will no doubt pay off in the long term. Nevertheless, there are some inkjet canvas characteristics that are more suitable for every printmaker’s production flow and should be sought after. Consistency – Roll to roll consistency is a vitally important issue for every printmaker, especially for high production environments. A lack of consistency can cost your business a lot of time and money in defective prints and material waste. It can even cost you customers.

Any inkjet canvas manufacturer can tell you that inkjet canvas manufacturing is by far the most difficult inkjet product to consistently produce. No inkjet canvas is perfect, and at some point in time every printmaker will receive faulty inkjet canvas that they must return. For the most part, some inkjet canvases tend to be more consistent than others and these are the ones you need to find. If you choose a inkjet canvas that is very consistent your business and customers will enjoy smooth production without hassles. This is where the actual make-up of a inkjet canvas becomes relevant.

The two most common fine art inkjet canvas options are 100% cotton inkjet canvases and poly/cotton blend inkjet canvases. 100% cotton inkjet canvases used to be the first choice amongst the majority of fine art printmakers because of its perceived higher quality and natural look and feel. These days, after years of manufacturing inconsistencies, 100% cotton inkjet canvas is avoided by the majority of the market and hardly any manufacturers produce them anymore. The inconsistencies include shrinking (when coated or when subject to a high humidity environment), expanding (long after being stretched and framed, causing the print to sag and appear off balance on one side), and the presence of visible, black cotton seeds. These black cotton seeds end up in the middle of prints and can make them look dirty or defective. They also have a tendency to fall off, leaving white voids in your print. Collectively, it is for all these reasons that 100% cotton inkjet canvases are not widely used by fine art printmakers any longer.

Instead, consistent and high quality polyester-cotton blend inkjet canvases (or “polycotton inkjet canvases”) have become by far the most widely used inkjet canvas base in the fine art industry. Poly/cotton inkjet canvases are of not inferior in print or longevity quality, but do lack the natural look or feel of the 100% cotton inkjet canvases. However, polycotton inkjet canvases are typically free of cotton seeds and do not shrink or sag after long periods of time. Ultimately, the crucial importance of roll-to-roll consistency has fueled the demand for polycotton inkjet canvases over the years. Until consistent 100% cotton inkjet canvases are introduced, these poly/cottons will continue to drive the market.

It is important to understand that roll-to-roll consistency of polycotton inkjet canvases also vary from manufacturer to manufacturer. Roll-to-roll consistency really comes down to a given manufacturer’s quality control. Larger companies always have better quality control because of how costly this process is. There are always defects in inkjet canvas productions and the primary role of quality control is to isolate the defects so that they do not reach the marketplace. Some manufacturers do this better than others. As a general rule, it is better to stick with a larger manufacturer, provided of course that they have the best product with regard to aesthetic appeal and longevity.

Stretch-Ability – As stated earlier, a finished, coated inkjet canvas print that cracks or tears when stretching over frames significantly loses value and also appears cheap in the eyes of consumers. To avoid this, printmakers can test a inkjet canvas by coating piece of it, allowing it 24 hours to dry, folding it backwards, completely in half, and then firmly pressing the fold to make a crease. If the inkjet canvas does not crack in the creased area, it will most likely not crack or tear when stretched. Nonetheless, the only way to be sure is by sending a print to your framer (unless you frame yourself) who can provide reliable feedback.

Cost – This is the final determinant of a printmakers’ market competitiveness. Specifically, what level of quality does he/she deliver relative to the asking price. In order to be the most competitive, a printmaker must use the highest quality product available at the lowest price, but not if price compromises quality. In this industry, price does not always determine quality. This is because the distribution methods of manufacturers are the primary determinant of the end user price. Most manufacturers use regional distributors who in turn mark up the cost of the product and sell it to end users. This is the traditional distribution method of this industry. Contrastingly, a few select worldwide manufacturers sell direct to the market, eliminate the regional distributor, and are therefore able to offer fiercely competitive pricing directly to the end-users. By researching manufacturers and their pricing structures, printmakers can gain a good understanding of what each has to offer. The goal is to maximize quality and minimize cost.

It is also important to consider buying inkjet canvas or other substrates in bulk. Many manufacturers and distributors will offer volume discounts on inkjet canvas. Therefore, businesses can drastically lower their overhead, simply by buying in bulk and stocking their best selling products. Buying in bulk will also lower overall shipping costs by ordering once every 3 months for example as opposed to once per week. Bulk-buying will also ensure that you have sufficient inventory to promptly begin and deliver urgent print jobs. Brand Association

As if it hasn’t already been stressed enough, printmakers need to know as much as possible about the manufacturer before they start printing on their inkjet canvas. First, printmakers need to distinguish between a true manufacturer and a private-labeler.

Private-labelers are companies who conceal the original manufacturer by applying their own names to a product. Due to the exponential growth of this industry there is an overwhelming abundance of private-labelers. Every single regional inkjet supplier who brands their own inkjet canvas is private labeling. If they tell you otherwise, they are not being honest with you. It costs millions upon millions of dollars, not to mention rare expertise, to produce and support even one high quality fine art inkjet canvas, which is why very few manufacturers really exist.

Many re-branded inkjet canvases on the market over the past few years have been produced at a very low cost from unreliable inkjet canvas mills in countries where labor costs are low (i.e. China). The problem with these manufacturers is that they lack the financial wherewithal to support a fine art inkjet canvas and will turn their back on the first sign of a problem. They have no brand, they are not interested in building a brand and they have nothing to lose. A manufacturer without extreme care of a brand in the delicate fine art industry is a very bad sign and should be avoided at all costs.

The less-informed, poor inkjet canvas choices made by regional inkjet suppliers and their printmaking customers have plagued the local markets at times. A recent issue involved a particular inkjet canvas that was being marketed and sold within Australia as a “fine art inkjet canvas of the highest quality”. To the dismay of its users, this inkjet canvas began to turn yellow on the walls of its buyers only eight months after it was printed and even coated. This resulted in massive returns, lawsuits, bankruptcies, and ruined the credibility of many of the businesses involved. Normally a bad inkjet canvas choice will simply result in a loss of competitive positioning, but the point of this example is to stress how bad it can get.

The only way to be certain is to choose a inkjet canvas that comes from a widely recognized worldwide brand with a public reputation. You can confirm this by visiting the manufacturer’s web site and reading about their company. Read about their products, their values, and their mission. Read their press releases and see if and how long they have been covered by the media. If posted, read their customer testimonials and do further research on the reputation and history of these customers. Then, contact the company directly and speak to a representative who should be interested in starting a relationship with you. Make a small purchase of a sample kit or anything else that will allow you to evaluate how the Company delivers. Take note of the marketing materials they provide, the look of their packaging, etc. Gather some influential industry publications and look at the company’s advertisements. There are far less than ten worldwide inkjet canvas manufacturers and through this research they will be easily distinguishable.

Reputable printmakers simply do not even waste their time even trying inkjet canvases that do not come from long-standing worldwide brands who have been in the industry for years. By conducting some research one can conclude that the more reputable the printmaker, the more likely it is that they strictly use long-standing worldwide brands. Chances are, they have learned “the hard way” at some point in time. Conclusion

In this rapidly expanding industry, printmakers lose or capture business daily as a direct result of customers demanding individual inkjet canvas attributes. The higher volume the customer is, the more sophisticated and knowledgeable they will be, and the more significance each inkjet canvas attribute will have to them. Higher volume customers learn faster and earlier than the rest of the market, but eventually, the rest of the market catches up. Therefore, the only long-term strategy is to master knowledge of these attributes and offer the best inkjet canvas that the industry has to offer. The best inkjet canvas, in and of itself, will always be a subjective analysis but by prioritizing these attributes one can interject a certain level of objectivity into it that customers will understand and trust.

Teddy Blah of MFA Talon Graphics of El Segundo, who uses Epson 9800, Epson 7800, and says “MFA Talon Graphics has been a one of the largest worldwide fine art printmakers for nearly 20 years now, and to uphold our leading reputation, our substrate decision making process from inkjet canvases to papers is extremely intricate and involves many people. The ultimate decision comes from an accumulation of years and years of learning experiences, coupled with constant tests and evaluations of new products, to discover what will continue our reputation and propel MFA Talon Graphics to increasing levels of quality. We know where to find the best materials, we know how to test and evaluate them, and we only use what is logically determined by us to be the absolute best that we can offer our customers. It is a never ending process and by treating it this way we improve our quality every single day.”

Finding the best inkjet canvas for your business will result from an accumulation of inkjet canvas knowledge as brought forth by this article along with your continual research and pursuit of maximum quality. We hope that printmakers all over the world save this article and use the information presented within it, to better their businesses and to better the fine art printmaking industry as a whole. ABOUT BREATHING COLOR, INC.

Breathing Color™, Inc. is a leading designer and supplier of award-winning digital inkjet media and post-print protective canvas varnish. Breathing Color is focused on the fine art and photographic markets with products for Epson® Printers that lead the industry in color and longevity. Breathing Color’s customers benefit from the highest quality at competitive prices by buying direct.

Nick Friend, President of Breathing Color, Inc., is a principle-centered entrepreneur who has many years of experience in developing and executing innovative sales and marketing strategies as well as building, training, and leading national and international sales forces. His ability to recognize market opportunities, build successful business models, and lead organizations has been demonstrated with multiple business ventures including Schematics Productions, Inc., a niche focused men?s apparel company that was acquired by a large manufacturing company and is still in operation today. His diverse experience also extends to bringing related digital imaging products to market, including digital art papers for the professional art and photography markets. Here, Mr. Friend regularly contributes articles and expertise to key industry publications. Mr. Friend is also an accomplished musician whose past fifteen years have been spent writing music and performing live in locations all over the United States. He is an honored graduate of the University of Southern California, having studied at the well-renowned Marshall School of Business with emphasis in corporate and investment finance.


Mr. Friend was recently honored by the Orange County Business Journal’s “Excellence in Entrepreneurship Awards 2007″ with his nomination amongst a select group of distinguished entrepreneurs in Orange County, California. The Orange County Business Journal recognized Mr. Friend for his role as founder and President of Breathing Color, inc.