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Photography is a hobby of mine and I recently began researching submitting photos to stock companies. However, I have some questions about releases. Model releases are self-evident, but property releases seem a bit more complicated.

I typically use my camera in automatic mode, but occasionally I step out of my comfort zone and move into some of the other modes. I really understand the full manual mode but, quite honestly, I don't get the whole aperture priority and shutter priority. I know what they are supposed to do and I sort of get when you are supposed to use them, but when I take pictures, I often switch between the two and I really don't see much difference. Is it me or the camera?

While searching online for a mid-priced, 67mm circular polarizer for my Nikon D200, I came across this filter description that has me puzzled: "Used like and gives the same effect as [a] polarizer, but designed for cameras with beam-splitting metering." Is this filter a polarizer? How do I know if my D200 has beam-splitting metering, and if I use this particular lens with my D70 or something new later on, will this filter no longer work? Is this a concern for all circular polarizers, or is this model by Tiffen something special?