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Best Answer: The subject is the main object in the picture, the subject matter is the topic or context of the picture. If it is a landscape, it is the landscape itself. If it is a portrait, it is the person in the portrait. If it is a group of people playing a sport, it is the game. The subject matter is what you choose to focus on for the picture.
Focal Point is everything that matters in your photo, that's my opinion of course. You should be smart where is the most important place in your photo or what is the most important element in your photo and make sure it's greatly in focus. If I would share a sample of my work in which the focal point was really essential, it's this one: