#and my second client was not only already pretty taxing in terms of personality and communication style

[tjerra14]

So tired of this week. And it’s only Wednesday

#tbh i was already tired on monday bc the weekend wasn't long enough to properly recover from the past two weeks #but today really sealed the deal #almost 12 hours at work yesterday because of an emergency #and while we were all glad we answered that phone call and fixed things (dog is much better today too) #it was pretty exhausting #and my second client was not only already pretty taxing in terms of personality and communication style #but also absolutely unbothered by the fact that i am in fact a graduated and licensed vet #so i spent 40mins taking an extensive history and doing an exam and explaining further diagnostics and treatment options #and finally convincing her that good antiparasitics as base protection are an absolute must for her dog's abhorrent skin problems #('BUT THE BAD CHEMICALS') #only for her to go 'well we'll have the doc take a look in a second' like??? #am i a joke to you #she's not the first one and won't be the last #and we were told at uni that esp young female-passing assistants with older male bosses get that treatment #and i could probably put down my foot more in such situations #but man am i grumpy and tired today #and it doesn't help that i'm feeling like an impostor more often than not anyway #well. #my brain's like an overstimulated chihuahua today #gonna go and give it something nice to chew on before it bites someone who doesn't deserve it #rant

[qqueenofhades]

First of all thanks so much for all your TOG history posts! I have a question specifically about the one where you explained the continuity errors with Nicky being a priest. I like your "second son of a nobleman" Nicky that you use in your fics a lot. But I also really like the idea of a lower-class Nicky; TOG already has wealthy merchant scion Joe and literal queen Andy--i love the idea that Nicky comes from humbler origins. Is there any way to make that make sense in a historical context?

I mean, pretty much anything is possible in history? If it can happen, it probably has happened at some point, and even the broad categories and generalizations that historians apply to things are never always right in all cases, even if they represent the major trends. I obviously don’t want to shoot down people’s headcanons or ideas, even and indeed especially from my soapbox of “cranky historian complains about things on the internet.” I have personally tweaked some aspects of Joe and Nicky’s backstories that I use in my fics, since I came up with DVLA before I knew anything about the comics or any bonus content that had been released about the characters. My feeling is that since a) it’s film-verse, not comics, and b) their backstories haven’t been shown on screen and may be subject to change in adaptation, I can, while engaging in transformative fanworks, create them to suit myself. I obviously keep the broad parameters of what canon establishes, but within that space, I do occasionally nip and tuck and move things around. For example in my new AU fic, I DID make Nicky a priest as in graphic-novel canon, but that’s long since changed by the time he arrives in Jerusalem. For the fics I write for them in canon-verse, I tend to use the backstory I established in DVLA, just because... well, I like it a lot, obviously, and that was what I wrote it for. This is just because I am the aforementioned cranky historian and I rearrange the toys when I am playing with them, but my interpretations don’t necessarily have to be everyone else’s.

On that note, since you did ask for some historical context/plausibility for this headcanon, it depends (again) on how much extra story you want to invent for Nicky and how many gaps you want to fill in. Which is totally fine either way! I talked in this ask about the People’s Crusade of 1096, the involvement of unarmed/unskilled commoners in the crusades more generally, and how that would have impacted on Nicky if he didn’t have any previous training in arms. Once again, as with him being a priest, him being a low-class peasant/freeman of humble status runs into some (not insurmountable, but still extant) problems with where he would have learned how to use a sword and weapons more generally. I also obviously approve of the idea of bringing some class diversity into our historical immortals, but the son of a very poor bondsman (the stereotypical peasant in a cottage or a serf working a lord’s land) is, alas, going to have gotten into trouble in his community if he is training with a sword. (Or at least definitely raised some eyebrows, as well as questions about where he got it and how he paid for it.) As I’ve mentioned, the sword is a knight’s weapon, so if Nicky has been using it at all, he has at least enough status to qualify for that.

Happily, however, there are plenty of ways to make him not be from a rich family. As late as the end of the 11th century, aka around the time of the First Crusade, knights could still be distinguished as “free” or “not free,” and since this was before the rise of chivalry as a major social force, knights and men-at-arms were often (and indeed could be throughout the medieval era) from humble families, minor gentry, or even the working class. Chivalry made knighthood into an especial aspiration for the nobility, but not every man on a battlefield was a nobleman -- far from it. Indeed, the nobleman would call up the families who owed allegiance to him, and they could call up the families who owed allegiance to them, and so on. The definition of “knight” in the pre-chivalry landscape is a little muddy; does it convey prestige or social status, or just that someone was trained in arms? Is there a difference between that and just “man at arms” or “armed man?” For instance, at the battle of Hastings in 1066, the English army under King Harold II was composed of fyrdmen, aka regular working stiffs who had been summoned from the land (and indeed, we know they were of humble status because they had to go back and help their families with the harvest after William the soon-to-be-Conqueror had still not arrived in September), and housecarls, the professional/lifelong soldiers who served in the army as a career and were paid for their service. But we don’t always have the luxury of clear terminology for the many, many kinds of armed men who existed in various social strata in the Middle Ages.

That means, therefore, that Nicky can very easily be a poor knight, a man-at-arms of humble status who has just his sword and his armor and is subject to the vassal-of-a-vassal-of-a-vassal-of-a-lord, or other armed man of unclear rank who definitely doesn’t have money or come from a rich family. Despite the unavoidably classist nature of many medieval history chronicles, the ranks of society weren’t only king, duke, earl, and nobleman. It was a patron-and-client society, and while the king was the ultimate patron, plenty of lords of middling rank or lower would have vassals who owed allegiance to them, and vassals who owed allegiance to those vassals in turn. The word feudal, which has been so misused and turned into an (incorrect) shorthand for constant petty territorial violence, basically just means this hierarchical society of mutual rights and obligations, where (unless you were the king) you both owed fealty to someone higher in rank than you and had people lower in rank who owed fealty to you. That would only end with the serf/bondsman, who wasn’t patron to anyone. But within that, there is plenty of wiggle room to make Nicky non-noble.

This would raise the question, however, of how he was going to pay for his journey to Jerusalem. Crusade financing was a perennial problem even for kings and lords with deep pockets, and the cost of a journey to the Middle East was far, far beyond most ordinary people’s ability to cover, which is why the commoners’ crusades kept ending in disaster. (That and obviously the fact that they weren’t trained in war.) When you are traveling for months and months and have to provide all your own food, shelter, arms and armor, transportation, upkeep, etc., you would either have to have a wealthy lord paying your maintenance, have substantial private financing of your own, have sold most of your property to go (which then implies that you had property to sell), made good with a religious house who had advanced you the cash, etc. We can really go down a rabbit hole here about Duke Hugh of Burgundy making a deal with Genoa in 1192 to provision King Philip and the French army on the Third Crusade. (This is helpful since it deals with Genoa, i.e. Nicky, even if not for the First Crusade.) This covered 650 French knights and their squires and came out to nine marks a knight, which is about £6, for an overall bill of 5,850 marks.

To give you an idea of how much this is in comparative terms: in 1380, a poll tax of twelve pence per person was considered so extortionate that it helped kick off the 1381 Peasants’ Revolt. And this was two hundred years later, when wages had risen and exchange rates had increased. One pound was worth 240 pence, so if twelve pence was an exaction for your average laborer, you can see that they’d get nowhere close even to one pound. A gift of £4 to William the Conqueror in 1066 was also considered a wildly high sum. And this was all on the extremely cheap end of crusading ventures. Frederick Barbarossa, who went on the Third Crusade at the same time as Philip and the French, had expenses coming close to 100,000 marks. Crusading, in other words, was wildly expensive (often ruinously so), and either Nicky would have a wealthy patron (meaning that he was somewhat closer to the top of the heap, even if below the first rank of noblemen) or money of his own or some way to finance his journey. Which again means that he has to have some kind of background that enables him to do it. The issue with the ordinary people who went on crusade (and they absolutely did, despite various attempts to forbid them as not militarily useful) is that, as noted, they weren’t trained in arms and they didn’t have money, and when you’re trying to travel from Europe to the Holy Land under 11th-century conditions, that becomes a big problem.

So yes. Basically: you can absolutely make Nicky a person of lower rank, down to a humble man-at-arms, who doesn’t have a rich family and doesn’t come from money. But if he’s going on crusade all the way to Jerusalem -- and if he’s successful at it, i.e. we’re assuming he didn’t get killed until Joe did it the first time -- then he has to have at least enough social status that he is the direct vassal of a wealthy lord or can make some financial arrangements on his own, has been able to train with a sword, knows what he’s doing with it, etc. You are obviously welcome to invent whatever details or backstory you want for him, but alas, crusading was often the provenance of knights, noblemen, and kings for brutally practical reasons, whether economic, social, military, or pragmatic. So the further you go down the social rankings, the more logistical details you’ll have to think up for him (at least if you want to be historically nitpicky, and it’s fantasy, so you frankly don’t even have to, but hey, what do you people come to me for if not historical nitpicking?) as to how he would have trained in arms, paid for his journey, been able to go on crusade in the first place, etc. So yes.

Thanks so much for this question! It was a lot of fun.

#the old guard #the old guard meta #medieval history #history of warfare #long post #emotionallycompromisedrobots #ask

[kevinriley90]

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[arancurry-blog]

Managing Tax in Property Investing

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 Summary

In this vlog, Aran talks all about being tax efficient, covering the main 2 types of axes thatr can affect you - income tax, capital gains tax and inheritance tax.

Transcript

So, there are, when you look to invest in property, three main type of taxes that can affect you. There's income tax, capital gains tax and inheritance tax. No if you've got a pen and paper to hand, I'd like you to write down two statements because I want your investing to be as tax efficient as possible. The two statements I would like you to write down are 'Never ever sell your investment properties', so never ever sell your investment properties, and the second one is, as the property goes up in value, increase my debt against it. Now they;'ll be some of you that will feel incredibly nervous with that second statement I've made. You'll be thinking 'What's he talking about? Increase the debt?' I'm going to come on and explain why those tow statements under pin being really, really tax efficient. When you go and interview professional investors, we interviewed over 50 professional investor, people who make over £100,000 a year from their property investments alone, consistently, just about all of them are using this tax strategy I'm going to share with you. So we want to be tax efficient on all three, and let me explain why those two statement make you tax efficient on all three, and then where you take your profits.

 First of all, imagine that you've got a property that's a £90,000 property, £67,500 mortgage and if it was on interest only at 4.5%, once you take off the mortgage, maintenance, building insurance, and the letting agency fee, you're left with and income of £219 per month, in this example. By the way, you'll get a cheaper interest rate than that, you'll get about 3% or just under at the moment, but we model at 4.5% because we always model based on what the banks five year fix is roughly at, because that's a great indication of what the banks are going to be charging for the next 6-7 years. We're not going to take a 5 year fix, we want two year deals so we have flexibility, we can move around and release money, but the five year fix is a great indication of what the bamks think they will be charging for the next 6-7 years, so if it works at that figure, we're stress testing quite nicely. So, this particular property, £219 per month of profit, that's pretty nice cash flow. We will want that figure to be a minimum of %50. Ideally a lot more, but minimum of £50. There's time where you have alot more asset value and that's only £50, that's still a tick, but if it's £219, great, we're happy. 

 Now, let's assume (back to the tax stuff) that you ignore what I said, so I asid, as the property goes up in value, increase your debt against it. Assuming you ignore that and you payed the mortgage off, you said mortgage is a bad debt, I want to get it paid off. Now, mortgage is a bad debt on your own house. There is no better feeling than becoming debt free on your own property. But, when it's an investment property, it could be a good debt. Let me show you why. Lets assume you ignored me and  you paid your mortgage off over the next 15 years. So over the next 15 years you've got to a position where your mortgage is now 0. It's paid off. You've used £67,500 of your savings, of money that you've got, to pay that mortgage down. Now, the government will come along and they'll say 'We want to reward you Mr/Mrs Smith. You've used your hard earned savings to  pay this mortgage down to 0, and because of that you're making an extra £230 pounds of profit, NET income. You're a 40% tax payer let's say, so in terms of tax, I'm now going to tax you an extra £1214 a year.' Congratulations. So, the person who lives next door to you and also had an investment property and hasn't paid the mortgage off doesn't have to pay the extra tax. You've used your savings to pay the mortgage off, which you've already paid tax on to get the savings, and now you've got to pay more tax because you've paid off the mortgage, it’s totally tax inefficient to pay off your Buy to Lets. 

 Now, on top of that, your property's going to be going up in value, and so are your rents. Every single year you need to put your rents up 3-5%. So £650 becomes £670, becomes £690 becomes £710. Your maintenance will have gone up a little with inflation, lets say that's now £90 a month, but if you don;t do anything else, you're now making an extra £50 per month of profit on this particular property. So, what we do is we go back to the bank and we say 'Do you know what, our property was worth £90,000 but it's gone up in value a bit. Please can I release 75% of the increase, can I release some money out of this property, further advance, a re-mortgage. They'll say 'Yeah, you can release some money out, your mortgage payment will go up, but you can release some money out, it's £10,000 and your mortgage payment go up to £300 instead of £253. Now the NET effect is, that the net income and the income tax you pay will stay the same. Your rents have gone up but so have your costs. So to be income tax efficient alone, as the rents go up, you increase the debt against them. More of what you do with that mortgage release shortly.

 I know that there's lots of talk and there's been a big announcement that they will be changes to the tax rules, and there's so many different people on the webinar tonight, I can't possibly cover each and every scenario, but when you become a client of our, I want you to understand. We look after you like you're our parents. For me it's my mum, so we look after you like you're our mum. So, if we need a tax plan for you, if you as a couple are earning £110,000 a year or less, those interest relief changes don’t affect you at all. We just set up properly, they don’t affect you. If you’re single, less that £55,000 per annum, it doesn't affect you. So, if you're in those brackets, stop worrying about it. Stop using it as an excuse. We can send you my tax webinar where I spend an hour on the topic and give you all of the background. If you’re over those thresh holds, a couple over £110,000, single over £55,000. We've got ten strategies to mitigate it. We can't totally get rid of those tax changes impacting you, they do, but if you're over then ask the team, we'll send you the tax webinar and you can see exactly how we go about mitigating that. But we will bespoke for you, we will build a plan for you that gets you the right tax structures. if you're under that £110,000, you're going to build the majority of your property portfolio in your own name. 

 Now, we're income tax efficient. Let's look next a capital gains tax. £100,000 property, on average they double every eight years in value, but let’s say it takes 15. So, in 15 years’ time, the house you bought for £100,000 is worth £200,000. 15 years after that it's worth £400,000. It's gone up in value £300,000. Now, if you see the property, you've made a £300,000 gain, you have to pay tax on that. If you're a 40% tax payer, it's a 28% tax, £84,000. If you're a 20% tax payer, it's an 18% tax. It's a bit less but it's still £54,000. Now, instead of selling the property, if you said 'Well my house is worth £400,000, but it can borrow 75% of that, so it can be £300,000 against it, you’d still have £300,000 left in the bank to play with and you would still own the property. If you've bought the right property to the right rules to begin with and you put the rents up as you should all the way through, the rents are paying for the mortgage. The difference is, the previous person, sold the house for £400,000, they had to pay £84,000 tax bill, they had to pay the estate agent for selling it, the solicitors, they probably netted out £300,000. Well you've netted out £300,000 by getting a mortgage against it. The difference is, you still have the £100,000 equity in the property and when the property goes up in value in the next 15 years, you or if you're not around, your family get that gain, so it becomes worth £800,000, you have that £400,000 gain. If you sell it you will never get that gain. 15 years after that becomes 1.6 million. So, the person who sold it gave up on 1.2 million pounds worth of growth just on this one singular property for you or your family. So, why would you ever sell a property? Why? because you get hit for this tax. Now, there's only three reasons to sell a property. It's a stress or a hassle for you, it's losing you money or you're otherwise skint so you need to raise money. If you get yourself otherwise skint, we can't help that, but we can by buying with the seven C's, you'll never buy a property that's a stress or a hassle, you can go around the world for ten years, you can be ill for ten years, it will all be looked after. It's loosing you money. It's not going to lose you money because it's always going to be tenanted. It's always going to be rented out. So, if you take away the reasons to need to see, you're back to 'Do I want to see?'. Well, you’re better to die with this property. You can get mortgage finance comfortably to the age of 90, buy to let mortgages, and if you're planning to live past 90, like I am, you can get commercial finance that goes well into your hundreds. You switch to commercial finance. So, you can take these properties to the grave with you. When you die, if you die and this property's worth £800,000 at that point, you've made a £700,000 gain and you die. At that point, the capital gain gets written off. When your children inherit it, they don’t inherit it at the £100,000, they inherit it at the £800,000 it now is, so you've got that £700,000 gain for free as a family. But, if you decide to sell five years before you die, you pay tax in all that gain.

 Now, let’s come on to inheritance tax. If you didn’t follow my advice and again, you paid the mortgage off, and you've got 1 million pound portfolio when you die, let’s assume your allowances are used up by your residential property and other stuff you've got, in that 1 million pound portfolio, inheritance tax is 40%, so your children will have a year to find a £400,000 bill and to pay it. Option two, if you listened to my advice, you'll have 1 million pound portfolio but it will have £750,000 worth of mortgage on it. So now you've only got £250,000 worth of equity. That's what inheritance tax is charged on. 40% of that is £100,000. So, you've been income tax efficient, you've been capital gains tax efficient by not selling, and now you've been inheritance tax efficient. You're still paying £100,000, it's not 0, but it's £300,000 less than it needs to be. 

#Property #propertyinvestment #propertyinvesting #arancurry #tax

[saxllp]

April Sax Spotlight: Omar Nasif and Stuart Berger

Omar Nasif

Please join Sax as we shine our Employee Spotlight on Tax Associate, Omar Nasif. Omar joined the team at Sax in October of 2018 and has already accomplished so much in his professional and personal life. His biggest achievement has been graduating college with both a Bachelor’s and Master’s Degree. Omar’s strong work ethic and determination to the firm has been a great asset to have at Sax. He strives to learn something new every day and his long-term goal is to become a Partner in Sax’s Not-for-Profit Practice.

Since starting his career as an Accountant, Omar has developed a passion for the field and is creating a Tax Newsletter blog for people to utilize for a clearer understanding of the industry and its policies. Be on the look-out for Omar’s blog, coming soon!

Read our Q&A to learn more about Omar:

What college did you attend? What was your major?

I attended the City College of New York, where I received my Bachelor’s Degree in Business Administration and my Master’s Degree in Economics. After graduating from CCNY, I decided to go back to school at Queens College where I studied Accounting and received my second Bachelor’s Degree.

Do you have any credentials?

After obtaining my Bachelor’s Degree in Accounting, I received my Enrolled Agent Certification and I am currently studying for the CPA exam and taking the first part this summer.

When did you start working at Sax? 

I started working at Sax in October of 2018 as a Tax Associate.

What are your day-to-day responsibilities at Sax? What do you specialize in?

As a Tax Associate, I mainly prepare tax returns for all size businesses and individuals. I had a lot of individual 1040 experience under my belt before I came to Sax, so I have been specializing in that, which has been a great fit for me.

What are a few things you have learned at Sax?

The most important thing I have learned at Sax is how to perfect my business return skillset. The knowledge and support I have received from the employees at the firm have helped me strengthen my expertise.

Explain some of your biggest achievements in your career.

I’ve achieved a lot throughout my professional career so far, but I would say some of my biggest accomplishments have been learning from my mistakes and accepting constructive criticism from my peers. By being able to learn and grow from my mistakes, I have been able to develop a higher skillset and continue to do so every day.

Explain some of your biggest achievements in life.

My biggest life achievement is my academic career and being able to obtain two Bachelor’s Degrees and a Master’s Degree, all in six years. It definitely was not easy, but I learned so much throughout my college experience and I’m proud I was able to accomplish those goals at a young age.

Do you have a vision or goal for your career?

Throughout the next few years, I see myself advancing my career at Sax and hopefully becoming a Partner in the firm’s Not-for-Profit Practice. I’ve always wanted to work with the Not-for-Profit industry because I want to be able to help organizations achieve their mission as their trusted advisor.

What volunteer work and/or charities do you participate in?

I have been making annual contributions to St. Jude’s Children’s Research Hospital and Feed the Children since 2007. I always knew I wanted to give back to the community, so when I started to research different organizations I could get involved with, St. Jude’s and Feed the Children stuck out to me because of their mission to help children in need.

Are there any other interesting facts about you outside of your work life?

I am currently working on launching a Tax Newsletter blog, aimed towards people who are not in the accounting field. My goal with the blog is to give people a better understanding of the industry and it’s changing policies. Aside from my work life, I have a passion for photography and try to travel and take pictures as much as I can. More recently, I’ve been interested in becoming a life coach and give my family and friends life advice in my free time.

Stuart Berger, CPA

Sax is proud to shine our Employee Spotlight on Real Estate Partner, Stuart Berger, who has been with the firm for nearly 40 years. Stuart has come a long way since being hired at Sax in 1982. Some of his career milestones include becoming a Partner at the firm, founding the firm’s Real Estate Practice, and being named Managing Partner from 2008-2011. Stuart has prided himself on being his clients’ most trusted advisor and continues to instill the same values in the generations that follow him.

Throughout his time at Sax, Stuart has remained dedicated to the firm and his responsibilities and is proud of the career he has built. He has enjoyed his time at the firm and is glad Sax is where he chose to spend his career. Not only has he been very successful in his role at the firm, but he has made life-long relationships with his clients and the people he has worked with at Sax.

Read our Q&A to learn more about Stuart:

What college did you attend? What was your major?

I attended Syracuse University, where I received my Bachelor’s Degree in Accounting. Going into college, I was unsure of what I wanted to do with my future, so I declared undecided for my first year. During my sophomore year I had to take an accounting course, and it was then I realized I could see myself doing this for the rest of my life.

Do you have any credentials?

I received my CPA License right after I graduated college. It was not an easy exam to study for, but I stayed extremely focused on the end goal and was able to pass all four parts of the exam pretty quickly. I try to encourage the younger staff at the firm to study for it right after college, so they can get it over with.

When did you start working at Sax?

I started working at Sax in 1982 in the Audit Department.

What is your current title?

I am a Partner in the firm’s Real Estate Practice.

What are your day-to-day responsibilities at Sax?

My day-to-day responsibilities include creating and shaping a service team that serves our real estate clients. As a Partner, I oversee the team and make sure each individual client is getting the best service that we can provide. At Sax, we pride ourselves on being our clients’ #1 advisor, so my responsibilities also include building long-lasting and trustworthy relationships with my clients.

What are a few things you have learned here?

The most valuable thing I have learned throughout my career at Sax is that you must face business as an entrepreneur. In this field, you have to be willing to take risks and make difficult decisions. As an advisor, our clients come to us for advice daily and we must be able to think fast and strategically.

Explain some of your biggest achievements while working at Sax.

My entire career has been one big achievement for me. My most memorable accomplishments while at Sax were becoming a Partner and being promoted to Managing Partner for 4 years. Looking back, everything that has happened throughout my career has impacted my life in some way or another and I truly have enjoyed growing through my experiences and building life-long relationships with my clients and the people at the firm.

Explain some of your biggest achievements in life.

I am very proud of my family and everything my children have accomplished in their own lives.  Another big achievement of mine has been being able to give back to my community in various ways and remain active in my synagogue.

Do you have a vision or goal for the rest of your career?

When the time comes to retire, I would like to leave behind a team that can continue to successfully service our clients and be their most trusted advisor. Over the next few years, my goal is to educate the younger staff on as much as possible so they can also lead successful careers.

What volunteer work and/or charities do you participate in?

Eight years ago, I developed and helped bring to life Sax’s Annual 4 Miler at Garret Mountain, which benefits St. Joseph’s Children’s Hospital. Since beginning the race in 2012, we have raised over $400,000 for the children’s hospital and I am excited to see what’s to come for the future of the event.

Are there any other interesting facts about you outside of your work life?

Outside of work, I enjoy traveling with my wife and have visited 24 countries within the past 5 years, Israel and Jordan being the most recent ones. When I am not traveling, I like to collect model trains and try to golf as much as I can.

The post April Sax Spotlight: Omar Nasif and Stuart Berger appeared first on SAX.

from SAX https://www.saxllp.com/april-sax-spotlight-omar-nasif-and-stuart-berger/

[oajpw5f3-blog]

How does health insurance work ?

How does health insurance work ?

ok im about to move out on my own soon and i will be taken off my parents insurance, now i know im responsible for part of the copay when visiting the doctors. i know you pay the insurance company money every month or every so often, is that money saved up for an operation or something major then deducted from the money you have payed to your insurance,? or will they cover it then jack up how much you have to pay each month until that debt is payed off?

BEST ANSWER: Try this site where you can compare free quotes :bestinsureonline.xyz

SOURCES:

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If Car accident happens, and I was woundering new jersey for self I was in the tomorow at 17:30 so had to inform my rates just for liability and just recently moved If a have a it that someone without I know what to me a Boy racer will go down based about upgrading to a for someone w/ IDL not covered on the be totalled, it still health medical, dental, and females are the worse where can i get a supermarket, I haven t own no claims but good low cost medical I won t be breaking one has required a at $1019.04, my collision and that it would both 24 and my age to buy life fault and fortunately there Much do you pay yrs old and got car. Anyway I was in my shoes......Thanks so cannot afford the high ? Thank You . drive home drunk at in her cell phone weeks. i have a ten policy s worth 750,000 year and be looking .

[reviewape-blog]

S Corp Benefits - Avoid Self-Employment Taxes - Watson CPA Group

https://www.reviewape.com/?p=5003 S Corp Benefits - Avoid Self-Employment Taxes - Watson CPA Group - Product Name: S Corp Benefits – Avoid Self-Employment Taxes – Watson CPA Group Click here to get S Corp Benefits – Avoid Self-Employment Taxes – Watson CPA Group at discounted price while it’s still available… All orders are protected by SSL encryption – the highest industry standard for online security from trusted vendors. S Corp Benefits – Avoid Self-Employment Taxes – Watson CPA Group is backed with a 60 Day No Questions Asked Money Back Guarantee. If within the first 60 days of receipt you are not satisfied with Wake Up Lean™, you can request a refund by sending an email to the address given inside the product and we will immediately refund your entire purchase price, with no questions asked. Description: The Watson CPA Group and Jason Watson have released the 2019 Edition of Taxpayer’s Comprehensive Guide to LLCs and S Corps. 330 pages of pure pleasure! We went through a mini slamma jamma revision shortly after the Tax Cuts & Jobs Act of 2017 including Section 199A deductions for small businesses, and now we just completed our major revision following IRS Proposed Regulations 1.199A and other mid-year after the dust has settled analysis. Riveting! We have several examples showing how the Section 199A works, why S corporations remain a great tool for tax savings and why reverting to a C corporation is a bad idea. We also discuss entity formation, S Corp elections, reasonable shareholder salary and business tax deductions. Frankly the Section 199A stuff is only about 40 pages of the material… the rest is good ol’ fashion business stuff! Before you spend your money, we encourage you to review the highlights below and download a sample of Taxpayer’s Comprehensive Guide to LLCs and S Corps by using the following button, or the electronic yet full version from our KnowledgeBase (being updated the week of November 12)- But if you saying to yourself, “Self, just get the darn book and start taking care of business” then click on one of the buttons below- Here are some testimonials to make you feel better (of course we only picked the good ones… just like referrals)- Ronny R. says, “I enjoyed it! Gave me lots to talk about with my CPA.“ Britt S., Esq. says, “Thank you so much for speaking with me last week! You are amazing and I greatly appreciate all of the information you emailed me. I am in complete adoration of your book!” Lisa A. says, “Detailed information about the pros and cons of creating a small business. Lots of great detail about the tax benefits and consequences. NOT a ‘dummies’ book – it assumes you already have some background knowledge.“ Brett B. says, “I read your ‘Comprehensive S Corp’ book. Wow. You blew my mind. I thought I understood S Corps.” Larry M. says, “I found it helpful, but could have gone into a little more detail. There is one main way to save money as an s corp, and how to determine ‘how much you can get away with’ could have been expanded on a bit more. Otherwise, pretty good guide.“ M.S. says, “Great read for first time self-employed corp owners. Covers all the main basic of taxes and caveats. Well written and simple to understand for those not well versed in tax law.“ If you buy our 330-page book and think that we didn’t help you understand small business tax law or the benefits of S corporations, let us know. We never want you to feel like you wasted your money. If you are ready to add some insightful reading into your day, click on one of the preferred formats. Amazon is processed by Amazon, and the PDF is safely processed by ClickBank who will email you the PDF as an attachment. Warning- we are in the middle of converting to MOBI and EPUB eBook formats (painful), so please use the Amazon (paperback) and PDF buttons below- We can send you the eBook formats once our conversion is completed (around January 2018) at no charge if you have already purchased the paperback or PDF versions. Simply email us for your courtesy copy. Section 199A deduction also known as the Qualified Business Income deduction arises from the Tax Cuts & Jobs Act of 2017. This is a significant tax break for small business owners but there are rules and limits of course. We have written a short article which outlines what is considered a qualified business for the qualified business income deduction including the dreaded specified service trade definitions (which is easily summed up as “any trade or business where the principal asset is the reputation or skill” of the owner). Click on the button below for our article- S corporations remain a critical tax saving tool for two reasons. First, the usual self-employment tax savings remains intact for all business owners including specified service trades or businesses. Second, a business owner might need to pay W-2 wages to himself or herself to not be limited by income, and only corporations can pay W-2 wages to owners (in other words, an LLC cannot without an S Corp election). Read the article above for riveting information! This information is also incorporated into our book including examples and calculations. Happy Happy Joy Joy! Current release is 2019 Edition which includes the Tax Cuts & Jobs Act of 2017 and Section 199A deductions for small businesses. We might have additional updates as the IRS provides further guidance. Please email us to let us know you want an updated version, and we will ship free of charge. You may also want to visit our blog to catch up on some recent guidance and other issues surrounding small businesses- How can I avoid self-employment taxes? This simple question was the inspiration for creating an article describing the benefits of an S Corporation. That original article, which was about four pages long, quickly became a series of KnowledgeBase articles on the Watson CPA Group website. The articles touched on basic topics such as how to elect S Corp status, shareholder payroll, reasonable salary determination and liability protection. Those broad topics demanded much more information, both horizontally by spanning into more related issues, and vertically by digging deeper into the granular yet riveting levels of the tax code. Beyond general S Corp benefits, our 2018 edition of this book will show you- Each week we receive several phone calls and emails from small business owners and other CPAs across the country who have read our Taxpayer’s Comprehensive Guide to LLCs and S Corps and praised the wealth of information. Regardless of your current situation, whether you are considering starting your own business or entertaining a contracting gig, or you are an experienced business owner, the contents of this book are for you. This book is written with the general taxpayer in mind. Too many resources simply regurgitate complex tax code without explanation. While in some cases tax code and court opinions are duplicated verbatim because of precision of the words, this book strives to explain many technical concepts in layperson terms with some added humor and opinions. We believe you will find this book educational as well as amusing. Here are some additional resources- The Watson CPA Group specializes in S corporations which have a small number of shareholders, and are often just a one-person show. Did you know that 95% of all S Corps have only one shareholder, and 99% of all S Corps have three or fewer shareholders? Because small business is a core competency for us, we have created an S corp package that includes the following (No, the S doesn’t stand for stormtrooper)- Couple of other things to keep in mind- we make very little profits on payroll processing… we offer it as a convenience to our clients. One throat to choke with a single call can be reassuring but if you want to run your payroll, go for it! And… the benefit of the Watson CPA Group preparing both tax returns is that we slide things around depending on income limitations, phaseouts, alternative minimum tax (AMT), Section 199A deduction optimization, etc. Having our arms around both can yield some good tax savings! We are not salespeople. We are not putting lipstick on a pig, and trying to convince you to love it, even if Tom Ford’s Wild Ginger looks amazing. Our job remains being professionally detached, giving you information and letting you decide. We see far too many crazy schemes and half-baked ideas from attorneys and wealth managers. In some cases, they are good ideas. In most cases, all the entities, layering and mixed ownership is only the illusion of precision. Just because you can complicate the crap out of your life doesn’t mean you must. Section 199A is a derivative of the recent Tax Cuts & Jobs Act of 2017. In a nutshell, business owners including rental property owners will enjoy a 20% deduction based on the qualified business income. There are limitations based on income, W-2 wages and depreciation. As a result, there is some optimization that is necessary for a small business owner to get the most from the Section 199A deduction. On one hand we want to reduce W-2 salaries to shareholders to minimize self-employment taxes. On the other hand, we want to increase W-2 salaries so they do not limit the amount of Section 199A that is deducted. Read our full Section 199A Qualified Business Income article by clicking on the button below- As mentioned elsewhere we primarily focus on small business owners and their unique consultation and tax preparation needs. With 16 full-time consultation professionals including Certified Public Accountants and Certified Financial Planners on our team, the Watson CPA Group consults on corporate structures, S corp elections (even late S corp elections back to January), tax strategies, business coaching, industry analysis, executive benefits, retirement planning including individual 401k plans, exit strategies, business valuations, income tax modeling and tax representation. We also work with business law attorneys in California, Texas and Colorado for business owners who have additional needs such as buying or selling a business including employee stock ownership plans and partner buy-ins. We also coordinate with Polycomp and RPS to create age-based profit sharing plans and cash balance (defined benefit) plans. We can run point on whatever your business needs so the communication is effective and efficient. The button below links to our Periodic Business Review (PBR) Agenda. We use this throughout the year as a checklist for our business clients. We can also use it for any type of business consultation. Here are some other buttons that you might be interested in as well. How does all this work? Talk to us today to not just get started, but to get started on the right track! Disclaimer: ClickBank is the retailer of products on this site. CLICKBANK® is a registered trademark of Click Sales Inc., a Delaware corporation located at 1444 S. Entertainment Ave., Suite 410 Boise, ID 83709, USA and used by permission. ClickBank’s role as retailer does not constitute an endorsement, approval or review of these products or any claim, statement or opinion used in promotion of these products. Click here to get S Corp Benefits – Avoid Self-Employment Taxes – Watson CPA Group at discounted price while it’s still available… All orders are protected by SSL encryption – the highest industry standard for online security from trusted vendors. S Corp Benefits – Avoid Self-Employment Taxes – Watson CPA Group is backed with a 60 Day No Questions Asked Money Back Guarantee. If within the first 60 days of receipt you are not satisfied with Wake Up Lean™, you can request a refund by sending an email to the address given inside the product and we will immediately refund your entire purchase price, with no questions asked. - ReviewApe - https://www.reviewape.com/?p=5003

[rolandfontana]

What to Do if You are Arrested in China

Before I explain what to do if arrested in China, let me explain the following “whys” behind this post:

Foreigners get arrested overseas all the time. Not just in China.

Foreigners get arrested all the time in China, for all sorts of things, including for things that would be crimes in countries like Canada and Denmark.

Foreigners get arrested all the time in China, for all sorts of things, including for things that would not be crimes in countries like Canada and Denmark.

Yesterday, a reporter called me to discuss what Michael Korvig (this is the Canadian who was just recently detained by China) should do. My response was somewhat along the following lines:

It is hard to know without knowing more. When I was asked what Mr. Korvig should do, the only rumors about his detention were that they were in retaliation for Canada’s having Seized Meng Wanzhou, the high level Huawai executive. I said if this is in fact the case, there is probably very little he can do as his freedom will likely need to be negotiated government to government (Canada to China).

I now know a little more. This New York Times article, China Says Detained Canadian Worked for Group Without Legal Registration, states that Mr. Korvig has been detained because the organization for which he works was not properly registered. Not a big surprise. Earlier this week, in How to Avoid Being Detained in China, I listed out the following seven things to do to avoid arrest in China:

If you are doing business in China without a Chinese company (and by China, I most emphatically do not mean a Hong Kong or a Taiwan company), you had better be damn sure you do not need a company, especially since the odds are that you do. Doing Business in China Without a WFOE: Will the Defendant Please Rise.

It means paying whatever taxes you or your company might owe. See China Taxes, Getting Legal, and Some Good News.

It means having your visa and the visas of all of your employees in good order. See China Visa FAQs.

It means not deciding you are operating legally in China based on some crap you’ve read on the Internet that feeds into your desire to believe that you are. See China Law Online: It’s All Wrong.

It means protecting your company from your China employees because the odds are good it will be one of your China employees who leads to your downfall either by reporting you to the authorities or by suing you and thereby exposing something you are doing that you should not be doing. Trust us on this one. Please. See China Employer Audits: The FAQs.

It means that if you are not 99.99% certain you are operating in China completely legally you either immediately do something to change that or you immediately leave the country and you take all of your foreign employees with you. And if for some reason you don’t care about one or more of your foreign employees getting into big trouble in China, note that people who go to jail for something that their company do have a tendency to sue their company.

If you are in a dispute with anyone in China regarding money, you should consider paying it and getting a valid and legally sound  release in Chinese making clear that you paid it. See Maybe Owe Money To China? Don’t Go There. Or you should consider immediately leaving China.

Note how many of these things may apply to Mr. Korvig, if the New York Times is accurate as to his detention “Wait a second,”  you may be saying. Do you really believe Mr. Korvig was detained for some alleged corporate violation of his company and not because he is Canadian and, more importantly, an ex-diplomat. I believe it is probably a combination of these things. China could no doubt have legally justified the detention of at least hundreds of Canadians but it chose this particular person, probably because he is a former diplomat and his detention sends a clear message to Canada. I called the reporter back this morning with this new assessment.

3. Contact your Nearest Embassy or Consulate. There is little doubt that the Canadian government is all over Mr. Korvig’s detention already, but what should you do if you are arrested or detained in China and you are not a former diplomat and your country is not in the midst of a knock-down drag out fight with China? Your first step should usually be to contact your nearest embassy or consulate, but recognize that it will be limited in the assistance it can provide. Foreigners arrested in China are subject to Chinese laws, not the laws of their own country. This should be obvious, but not everyone knows this.

Your embassy or consulate should be able to help you with the following:

Providing you with a list of local attorneys who speak your native language

Contact your family, friends or employer

Visit you in jail and provide you with reading materials and maybe food.

Monitor your situation in jail and help ensure that you are being treated appropriately.

Provide you with an overview of the local criminal justice process

2. Hire a LOCAL Criminal Attorney. You will need a local attorney. This means if you are arrested in Qingdao you need a Qingdao criminal lawyer and not a Shanghai one. China has many terrific criminal lawyers and they usually require relatively low upfront flat fees to take on a new matter for a new client. This means it is usually relatively easy to find a good and cheap Chinese criminal lawyer, but few speak English.

It is absolutely critical that you get a good local criminal lawyer as quickly as possible. Far too often when our China lawyers get contacted regarding a criminal law situation in China, the detainee or the detainee’s friends or family believe that because the arrest was a “mistake” no lawyer is needed. Some claim they do not need a lawyer because they or someone they know has sufficient guanxi to handle the arrest lawyer-free. Even if these people are right (and they pretty much never are), it still behooves them to get a good local criminal lawyer immediately.

No ifs ands or buts: if you are arrested in China, you need a local criminal lawyer and fast. 

How do you find such a lawyer? That depends. By way of an example, one of our China lawyers was recently asked to find a criminal lawyer in a small Chinese city. This lawyer immediately emailed all of the China lawyers in our firm and we all emailed our China lawyer contacts in various cities to ask for the names of recommended Chinese criminal lawyers in this small Chinese city. The client ended up hiring a lawyer who was mentioned multiple times by the Chinese lawyers we know.

4. Contact Family and Friends but Keep Them Quiet. Sometimes. Sometimes you want your family and friends on the outside to scream up and down about your arrest. Sometimes that is the worst strategy possible. It is generally a good idea not to publicize your case unless your local criminal lawyer instructs you to do so. China is not going to release you because your hometown newspaper is saying you are being held unfairly. Instead, your publicizing the unfairness of your arrest might just cause the local prosecutor or court to double down. But see here for a case where the strategy was to generate bad publicity for the arresting country.

4. Hire an Attorney in Your Home Country (Sometimes). Our China attorneys get contacted by arrested Westerners maybe ten times a year. If the matter is something like a shoplifting arrest, we usually do little more than provide the family or the arrested with a few tips and find them a good local criminal lawyer and sometimes a good local translator. This is the case for nine out of ten. But in some cases — when the Westerner arrested is from the United States or Spain or Germany where we have our own attorneys — we do considerably more.

By way of one example, our firm a few years ago represented an American charged by China with massive financial fraud. We stayed involved in this case from its beginning through sentencing (note that more than 99 percent of those charged with a crime in China end up being convicted). For this client we did the following:

Found him a top-tier criminal lawyer. This lawyer did not speak Chinese and so we often served as the intermediary.

We often served as an intermediary with the US Consulate.

We would communicate with the detainee’s family in the United States

We gathered up key mitigating documents from the United States and other countries outside China.

Perhaps most importantly, we explained China’s legal system to the detainee and his family and, in particular, the huge benefits of admitting to the crime and setting up a procedure to reimburse those who harmed by the crime and a rehabilitation plan. We also explained China’s sentencing and early release laws and the importance/benefit of reimbursing the victims so as to get a sentence term that allowed for early release.

We did this in Japan a few years ago in a very high profile case and you can go here (CNN), here (The Guardian), here (ABC News), here (Los Angeles Times)  to read more about that case. In that case, our goal was to publicize the trial as much as we could, so as to convince Japan that releasing the detainee would make life better/easier for Japan than holding him. We also used the press to send various messages to the Japanese authorities to make them feel better about releasing the detainee. It worked. The detainee was found guilty but immediately deported instead of being imprisoned.

But these two cases on which are firmed worked were long ago and the rare sort of case. In the typical case, you do not need a foreign lawyer and you will want to stay quiet.

The one thing you must bear in mind when doing business in China is that China criminalizes many things related to doing business that are not typically criminalized in the West. We actually wrote about this in 2006 in a post entitled, Criminal Law And Business In China — A Strong Caution:

In the U.S. and in Europe, it is quite uncommon for a dispute between two business people to become subject to criminal law enforcement. This is not true in China. In doing business in China, you need to be aware of two things: the scope of economic crime there is far broader than you probably expect and the Chinese party with whom you are conducting business is far more likely to pursue a criminal complaint than you would expect.

China has developed elaborate laws concerning “economic crimes” that parallels its civil law system. The area of economic crime is quite extensive. My Chinese textbook on economic crime is over 1500 pages long and it describes 105 separate crimes, divided into eight categories. Dealing with economic crimes has become an increasingly large portion of the workload of the average Chinese court. Many of these crimes are garden variety crimes, such as smuggling or passing bad checks, that would be considered a crime in any jurisdiction. However, a whole host of crimes applies to areas most Western business people would think would be dealt with by private litigation. For example, one general area of crime is “Disturbing the Market Order.” Another is called “Damaging the Management Order of a Company or Enterprise.” Crimes in these categories can be very broadly described and can often be applied in areas that are surprising to a Western business person. For example, criminal fraud is very hard to prove in the United States. This is not true in China.

Here are some examples of the ways Western business people can find themselves in China’s criminal system:

There is a sale of product. The Chinese party complains that the product is defective. The foreign seller insists the product meets standards and it is the buyer’s own processing that caused the problem. This normal business dispute may be transformed into the crime of sale of defective products.

A Chinese company pays a substantial deposit to a foreign service provider to develop a sophisticated market access program for the United States. There is a dispute over the quality of the service provided by the foreign provider. The foreign provider does not collect the remainder of its fee, but refuses to refund the deposit. This normal business dispute may be transformed into the crime of contract fraud.

A Chinese company insists on a guarantee of payment from a foreign seller through deposit of promissory notes issued by a foreign party. When the Chinese party attempts to collect on the notes it cannot do so due to banking regulation or some other technical matter. The foreign seller does not make alternative arrangements for payment. This normal business dispute may be transformed into the crime of financial fraud.

The offended Chinese business person is also much more likely to pursue a criminal complaint than his or her Western counterpart. This is particularly true outside China’s major cities, where the private court system is less developed. There are a number of reasons for this. First, there is the longstanding tradition in China that law is basically a criminal matter. Many Chinese judges are more comfortable handing out criminal sanctions than deciding the merits of private commercial activity.  Second, many Chinese businesspeople are more comfortable beseeching the police, the prosecutors, and/or the courts for justice than pursuing justice on their own. Third, there is an economic incentive. If the state pursues the claim, the offended person or company saves on the expense of hiring a lawyer. Fourth, as part of the criminal action, the state will seek to force the defendant to pay redress to the offended party. In China, the state is more likely than a private party to be able to obtain assets from a defendant.

If you are involved in a business dispute in China, you should immediately consider the risk it will be transformed into a criminal matter. If the other side in your business dispute threatens criminal sanctions against you, you should take this seriously. You need to make sure you are completely prepared to deal with the issues. Moreover, you need to be completely sure that what you consider to be an entirely innocent commercial dispute is not in fact a potential crime under the wide application of economic crime applied in China. And if it is, you need to prepare for that

What to Do if You are Arrested in China syndicated from https://immigrationattorneyto.wordpress.com/

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I Bought the New iPad Pro So You Don’t Have To

I’m no stranger to the iPad. In fact, it once caused me not to get a job at an Apple store shortly after college. I was asked in an interview, “What do you think of the new iPad,” and I answered honestly (mistake number one in a job interview I would learn).

“I’m not sure how I feel about it, it doesn’t really do what I would want it to do.”

I didn’t get a call back for a second interview. Little did I know this would be the start of my rocky relationships with tablets.

In 2012, I bought refurbished a 32GB “New iPad.” With its retina screen, I told myself it would be the perfect portfolio alternative, and I could make myself look so cool by bringing a digital device to a client meeting, instead of a printed book.

“Who prints photos anymore? Clients will see me as cutting edge!”

That device currently is sitting on the floor next to my bed, unable to be updated past iOS 9, with a dead battery. I rarely use it anymore because of how slow it has become. And it certainly didn’t win me any clients. I think I may have used it professionally once or twice to have someone digitally sign a contract or a model release.

When the first iPad Pro was released I found myself holding it and thinking, “Well…it sure is big,” before using the newly launched apple pencil to crudely draw a penis on it and handing it back to my friend. I still didn’t see a good use for what was essentially a laptop without a keyboard.

Flash forward to 2017, where I found myself standing at the counter at my local Apple store looking at the three size options in front of me for “Pro” level iPads. I was sold (or so I told myself). I just needed to know what size fits me best. After a few hours of going back and forth with the demo models, I eventually decided to walk away. It just didn’t hold up to the experience I was getting from my laptop.

When the 2018 Apple announcement of the new iPad Pro came through, I once again found myself enamored with the idea of getting a laptop replacement. I studied the keynote, watched every review video, and made an appointment with myself to visit the apple store as soon as possible to play with one myself.

The idea that now this tablet was “more powerful than most PC laptops” and (would be) capable of running a “full” version of Photoshop really intrigued me.

The Tech Specs

To be fair, a lot of this section is pulled directly from Apple’s sales literature on the new iPad, and I will try my best to keep things brief here. This isn’t anything you can’t find for yourself with a quick Google search.

Liquid Retina display

11 or 12.9-inch (diagonal) LED-backlit Multi‑Touch display with IPS technology

2732-by-2048-pixel resolution at 264 pixels per inch (ppi)

ProMotion technology

Wide color display (P3)

True Tone display

A12X Bionic chip with 64-bit architecture

Neural Engine

Embedded M12 coprocessor

USB-C

10 hour battery life

New Apple Pencil with magnetic charging

I sent this photo to several people who knew how much I was dreading this purchase.

After another agonizing hour going back and forth with price and specs, I decided to pull the trigger on the 12.9” model with 256GB of storage, with the new Apple Pencil. $1,380.24 retail after estimated Atlanta taxes.

To be fair, I had a friend hook me up with an Apple Friends and Family discount, which brought my price down to a little under $1200 after tax. Even with the discount, this is a pretty large chunk of change to throw down on something that I didn’t even know if it would fit into my workflow properly.

Once the device was delivered to me an hour later, I rushed home and completed the setup process and began playing with my new toy. I was determined to make it work for me.

Pros

Just about everything with the design of the device

The 12.9” screen is gorgeous and, combined with the True Tone Technology and night shift, I found it very easy to use in a variety of lighting conditions. Never did it blow out my eyes when used in the dark.

The new Apple Pencil is very responsive and feels great in hand. The new magnetic charging system makes it a great way to store and charge.

Battery life is pretty good. Apple rates it at 10 hours, and with moderate usage, I was able to only drop down to around 50% before it was time for bed.

The refresh rate still makes me very happy. It feels snappy when I swipe between pages on the home screen, or between pages in a book or magazine. I am impressed at how smooth everything is.

All of this packed into a device that is a great size that fits comfortably in my hands.

And I’ll be the first person to say I have tiny hands.

iOS 12

For the most part, I am very happy with the latest version of iOS. When used on the iPad Pro it does a great job at coming VERY close to a desktop-class OS. For the average user who is looking for a laptop replacement or substitute, it makes for a pretty good argument against competing products.

USB-C (Kinda)

Apple choosing to move to a standardized charging/syncing solution is super smart. No more proprietary cables (for the most part), and if you are ok with dongles of varying sorts you can basically connect this device to just about anything (even if that connection can’t exactly do anything…more on this later). Even though I didn’t get a chance to try it, the ability to mirror to a 5K display was an impressive demo.

Cons

Price

Let’s talk about the elephant in the room straight away. This thing is not cheap. And for a similar price point, you are already into 13” Macbook territory. This makes the decision much harder when comparing side by side. Yes, technically you get more storage with the iPad, and that new processor supposedly is nothing to laugh at. But what you lose is RAM, and a FULL operating system (And at least for me, Capture One).

USB-C

For all the great things that the iPad pro can do with its new port, there is one HUGE thing that it can’t do. At the time of this writing, the USB-C port cannot be used to interface directly with an external hard drive. This is a huge bummer because, in order to be competitive with a traditional laptop, I can’t really get around needing expandable storage.

But, you say, “The cloud! Can’t you use the cloud?” And my response to this is a decided “Yes and No.”

I downloaded the WD MyCloud app onto the iPad. It’s the same app that I use to manage my personal cloud from the go on my phone. And while I was able to eventually download a file into the iPad for editing, it was far from an elegant experience.

Wait…where are my thumbnails?

While iOS 12 can support plenty of different RAW files, it can only read them while in the Photos app, unless specifically coded into each individual app. Even in the Files app, you can’t see any thumbnails by default.

I sure do hope I remember that SPECIFIC file name for the file I want to edit.

Now, once you download the file to your device, you can see a thumbnail just fine.

Too bad I’d have to import all of these into my camera roll first before I can see them.

Now I suppose this could be solved by a product like a Gnarbox or the Lacie DJI Co-Pilot since they have a computer of sorts built in for processing (RAW previews), and generally can interface with other apps nicely. But by that point, you are spending ANOTHER $299-$499 on top of the storage you already spent which further makes the argument for a traditional laptop.

The one thing I didn’t try was Tethering.

But unless I’m using the Lightroom app I don’t think this will work for me as intended as well. From what I have seen, connecting a camera basically just opens up the photos app and downloads files from the SD card on the camera. Not a direct tethered shooting solution that I am used to from Capture One.

I suppose you could also use the USB-C SD card reader, but then you are once again having to load every file directly onto the internal storage of the iPad itself. And then moving them back off for long-term archiving brings up a whole other conversation.

I think that the lack of USB-C mass storage support is something that Apple could (and hopefully will) fix in an upcoming version of iOS. This two-way data movement and storage would change a LOT of my feelings about the iPad Pro as it stands today.

Lack of “Desktop Strength” photo editing solutions

This is one “con” where I think things are ALMOST there. A “full” version of Adobe Photoshop will be coming next year, but Lightroom CC already has a large user-base and supposedly does a pretty good job. I’m still not sold, I don’t like Adobe’s charge per month model. It’s just not for me. And all of it adds to the overall cost ($120 a year). There are some cheaper (and single purchase) options available, however.

Affinity Photo has long been the Photoshop analog that many photographers have fallen in love with. At the time of this writing, however, Affinity Photo hasn’t been updated in over a month, and likely hasn’t been optimized for these new processors yet. I fully believe that the next version of Affinity will work just fine and will be a very speedy piece of software.

But for me, I found it to be a touch clunky and certainly when I was doing some basic retouching there were several times I had to wait 15 seconds or so while the app crunched the data.

For those who aren’t familiar with the Affinity Photo UI

Affinity isn’t a bad option at all, and I think that part of my problems with it was just in learning a new piece of software. And once I got rolling I feel that things went rather smoothly. With the exception that it took me over an hour to retouch the above file, and even then I’m not 100% happy with the results. But I’ll let you guys judge for yourselves.

Backup and Archiving Workflow

My final gripe comes after you export the files out. By default, most of the apps I have played with wanted to export everything back into the camera roll of the iPad itself. Which then, of course, leads to duplicate files and space being eaten up by final deliverables.

I found a way to move things manually back to my WD Cloud, but it wasn’t elegant and took some experimenting with to move everything over. Then I was still left with having to delete the file manually to free up space on the device itself.

Conclusion

I like the 2018 iPad Pro, I really do. But I’m not IN LOVE with it.

Ok, I’m lying. I do love it. I think it’s designed well, I think the screen and pencil are both great, I think the audio on it is some of the best I have heard across any device. I like the idea of having iOS on a larger screen, that is still light enough to carry around one-handed. I like all of the potential that comes from multitasking.

From an Apple fanboy perspective, I really do love this device.

I even used the Squarespace blog app to type some of this post!

But from a photographer standpoint, it falls short. For me. My workflow just can’t accommodate the iPad Pro as it currently stands. But it’s so close!

With a few simple changes (USB-C Mass Storage, RAW Support in the Files app, and more Pro “Desktop Level” Apps from the likes of Adobe, Capture One, etc) all of which could potentially come at a software level without the need of additional hardware.

For day to day web surfing, email, notes, and other media consumption I love what has come from this latest generation of iPad. This makes me excited for what is to come with lower-spec devices that I would likely use more frequently.

I was at a meeting today and loved using the iPad to take notes on, and I loved being able to quickly surf the Web and find info I needed. I really want to have this device in my life, but unfortunately…I’m probably going to return it.

I’m going to give it through the weekend to grow on me a little more, maybe do some more playing around to see if I can better fit things into my life. But at this moment right now, I just can’t justify paying $1200 for something that I can already do (arguably better) on my already paid for MacBook Pro. Thankfully Apple has a 14-day return period, because I would hate to have to try and re-sell this on the open market.

Maybe I’ll just wait a while and snatch up one of these once they hit the Refurbished section of the Apple store, or maybe grab one of last year’s models at a killer deal.

Or there is always next year’s model…

About the author: Blake Griffin is a photographer based in Atlanta, Georgia. The opinions expressed in this article are solely those of the author. Griffin runs UNEXPhotography and has his Bachelors of Arts with a concentration in film and photography, from Montana State University – Bozeman. You can find more of his work on his website, Facebook, Twitter, and Instagram. This article was also published here.

source https://petapixel.com/2018/11/13/i-bought-the-new-ipad-pro-so-you-dont-have-to/

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Retail: Pet Owners Splurge on Animals' Needs

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Here at PYMNTS, we see it all, often in the form of press releases – most of which claim to be the next big thing in retail, commerce and financial services. These days, those ideas are often associated with crypto.

But this week, the press release that we thought was pretty cool was from startup Bristly, letting us know that they had invested “the world’s most effective toothbrush for dogs.”

They also promised us a “cool video already going viral.”

We were a little dubious, since even the most dedicated dog owner in the office, a person who cooks their dogs a rotisserie chicken every other night for dinner, remarked that they drew the line at brushing a dog’s teeth.

Undeterred by this remarkably odd sample of one, we checked out the site anyway. There, we learned two things.

The first is that the video is cool – and if we could embed it, we would.

The second is that after only a few days, Bristly has raised over $175,000 on Kickstarter from more than 4,000 people. The goal for their Kickstarter round was $15,000, meaning they’ve exceeded their goal by more than tenfold and counting.

The people have spoken – and they want a better way to brush their dog’s teeth, a revelation we found surprising, but perhaps shouldn’t have.

By the numbers, commerce is literally going to the dogs.

Human beings have always had pets and have always loved them, of course, but in recent years that love has evolved to an entirely new level.

“America’s house pets have worked their way into a new place in the hearts, homes and wallets of their owners,” Michael Schaffer wrote in his book “One Nation Under Dog: America’s Love Affair With Our Dogs” – and data backs up that assertion. According to VIP Petcare’s data, 84 percent of pet owners consider themselves “pet parents,” which kind of explains how the term “fur babies” came into vogue.

And where there is enthusiasm, there is also commerce – and, as it turns out, quite a lot of it.

“The humanization of pets has played well for brands and retailers that have developed or pivoted their strategies for consumers looking to treat their furry friends to the best that life has to offer,” Nielsen noted in its paper on pet care trends earlier this year.

And pet owners are willing to pay, usually quite a premium, for offering their pets the best lives possible. VIP Petcare estimates that the average pet owner spends a little over $2,000 a year caring for their fur baby, and Neilson notes that as of last year, Americans collectively spent about $69 billion on pet care. And the figure has been climbing sharply – by at least $2 billion each year – since the mid-1990s. In 2016, Americans spent $66.75 billion per year on their pets; as of 2007, pet owners spent $41.2 billion.

That’s a lot of dog treats.

Except, it actually isn’t.

When looking at the numbers, it isn’t that Americans are buying their pets much more to eat, as dog food and treat sales have been fairly flat in recent years – it’s that pet parents are buying their pets so, so many other things as well. Things like spa visits, acupuncture, glitter tattoos, non-medically necessary prostheses, subscription boxes, meal kits, rotisserie chickens and artisanal toys. One brave New York Times reporter with a new puppy who decided to embed himself deep into the pet pampering lifestyle – putatively for the cause of advancing journalism – discovered that the sky’s the limit when it comes to showing fur babies the love that is their due.

But while the options may be myriad, according to Nielsen, they are all guided by a common thread – one that is also central to the owners’ buying behaviors.

“Many of the trends we’re seeing in the pet category are ones we’ve been seeing in consumer categories over the past year or two: health and wellness,” Nielsen noted in its report. “Health and wellness is paramount to success in pet innovation, and pet trends are closely following human ones. In some cases, they’re even getting there first.”

Health and wellness, of course, is a wide-ranging category for humans – encompassing everything from skin creams, to cosmetics, to exercise, to apparel, to meal kits, to vitamin supplements to whatever witchcraft Gwyneth Paltrow is selling on Goop these days. So, perhaps unsurprisingly, it is equally wide-ranging when it comes to pets.

But some of the places where it ranges are legitimately pretty surprising. For example, according to Petplan, an insurance company for pets, pet parents dropped $62 million in 2011 on plastic surgery for their pets. Some of that surgery was for medically necessary reasons, but some was assuredly cosmetic. One such popular cosmetic procedure? The implantation of Neuticles, prosthetic testicles for neutered pets.

“Some people throw the dog in the car and have him turned into a eunuch because they don’t care. But there’s a certain segment of pet owners that do care, and that’s where Neuticles come in,” said Gregg A. Miller, who invented them in 1995.

That certain segment includes both Kim Kardashian and Larry Flynt, according to The New York Times. Fun fact, according to Miller: Kardashian did not demonstrate her normally high-end tastes when it came to buying for her pet boxer.

“They had ordered the cheapest ones possible – the hard ones, the clackers – and I thought, ‘Wow,’” Miller told CNBC. For reference, a top-of-the-line pair of Neuticals retails for $469.

And while that expenditure of funds may seem a bit strange, Miller is adamant that his invention helps dogs maintain their dignity in the aftermath of being neutered. And that concern for a dog’s dignity deserves at least some credit – particularly as one delves deeper into the wild world of pet-centric commerce. It is hard to imagine, on the other hand, the recent trend of “Asian fusion” dog grooming that is apparently sweeping the streets of New York among the painfully hip and extremely rich.

The term comes care of Jorge Bendersky, a New York dog groomer who charges around $300 an hour and counts like the likes of Gisele Bündchen and P. Diddy among his clients. Asian fusion, he noted, is a dog styling method developed in Japan that has become popular stateside.

“That’s very short on the body and very long on the legs, like big bell bottoms, which gives them the opportunity to wear a dress or a sweater and necklace without messing up the hairstyle,” he noted.

In fairness, it is a terrible thing to have splurged on a $150,000 collar for one’s dog, and then have it clash with their haircut.

Mr. Bendersky further told about the times that he gets a lot of demand for French “pawdicures,” pink and purple highlights in fur, and, “for that extra rock ’n’ roll edge,” glitter tattoos.

And because a day at the salon can be taxing – particularly for a dog that got an elaborate manicure – there are also spas to help pets unwind. At The Barkley Pet Hotel and Day Spa in Westlake Village, California, dogs are given the options of mud baths, detox wraps, hot oil treatments, blueberry facials, deep sea mineral mud masks and oatmeal soaks.

At Oh My Dog! Boutique Hotel and Spa in Scottsdale, Arizona, canine patrons can choose to study dog yoga – which, yes, is called doga – or shop their dog-centric apparel boutique on site. For dogs that like their fashion less esoteric, more preppy, not to worry: Ralph Lauren’s Pets line features cashmere sweaters and polo shirts.

At the Stay Dog Hotel in Chicago, four-legged guests have riverfront suites and a lap pool.

And as it turns out, premium services for your pet don’t stop once they check out of the space. For example, for those who don’t want to feed their dog out of a bag but perhaps do not have time to cook their pet a full hot meal, there’s good news. JustFoodForDogs advertises themselves as “purveyors of handcrafted meals for dogs,” and will deliver those handcrafted meals straight to your door, featuring ingredients like venison and squash.

It sounds pretty good – but not to worry, even if one is perhaps limited to feeding their pet out of a bag, what’s in the bag is getting better. Though the amount of dog food people have been buying has been fairly flat in recent years, according to Nielsen, the demand for “higher-quality premium food” has boosted annual household spending on pet food by 36 percent over the last 10 years.

Plus, the better the dog food, it seems, the bigger the sales revenue. Nielsen’s number also indicated that “produce-derived superfoods like blueberries, cranberries and sweet potatoes” all seem to draw pet parent spending, as do “probiotics and products with functional ingredients.” When more premium features are added, such as “novel proteins” like quail or rabbit, Nielsen reported, brands see growth in “double and triple digits.”

In fact, the growth in dog food and its relative value has been so sharp in recent years that it has sparked the interest of various big consumer packaged goods players looking for more market touchpoints as consumer interests are evolving. In April, General Mills bought natural pet foods label Blue Buffalo for $8 billion, saying at the time the addition represented a “a compelling new growth platform.”

In May, J.M. Smucker bought Ainsworth Pet Nutrition, parent of the Rachael Ray Nutrish pet food brand, for about $1.7 billion, again in the name of accelerating “the growth profile” of its pet food/snacks business, which includes such labels as Meow Mix and Milk-Bone.

The biggest news in the sector of late, however, are the rumored intentions of international CPG giant Nestle to purchase Canada’s Champion Petfoods, which owns brands Orijen and Acana, for more than $2 billion. Nestle already owns the Purina pet food line, but has identified “pet care” as a high-growth area. Orijen is a premium dog food brand with an active online following, and is likely a consumer base to which Nestle would very much like to develop closer ties.

Dogs, of course, can never have too many things bought for them, as they are loyal, smart, kind and possibly the superior form of life on this planet (but for their unfortunate habit of destroying shoes from time to time). And while we might chuckle at deep sea purification masks for dogs – who, left to their own devices, will happily root through the trash and eat whatever they find there – the truth is we can’t help but applaud the commerce world’s dedication to finding new and inventive ways to make man’s best friend happy.

But we might really have to rethink the phrase “it’s a dog’s life.” These days, a dog’s life doesn’t sound so bad.

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