My final tip about taking pictures in extreme weather conditions is about the exposure. Ice and snow are white. Often, it takes +0.7EV (at least using Nikon Matrix exposure mode) to avoid underexposure. NIKON D5 + 500mm f/4 @ 500mm, ISO 1100, 1/60, f/4.0 I took the photos in ...
Often, the borrower is ashamed or afraid to call his or her lender, even though there are actions that could be taken to prevent foreclosure. Lenders often have trouble locating the people in need of advice. The drastic increase in the number of defaults and foreclosures on subprime mortgages...