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black-mesa-slut-voice · 3 years

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Domesticated headcrab adopts!

More info, rules + availability below the cut + okay to rb!

Hello! If you’re here, you’re most likely interested in owning a pet headcrab of your own! While you can always find a specific one of your liking, it’s always a good idea to turn to adoption to help out headcrabs in need (and your local artist)!

If you’re serious about adoption, I recommend you glance over Your Beginner’s Guide to Headcrab Domestication first!

So what is this, really?

If you’re really not sure how adopts work, it’s simple. I have little premade, pre-designed characters that you can purchase, and then they become your characters! You can then use them however you’d like; they’re now your OCs!

Obviously, I don’t own the rights to headcrabs in general- they still belong to Valve- but I sort of have the rights to my domesticated headcrab headcanons, so these specific designs will belong to you!

Okay, I’ll bite. What’re the deets?

Each character is $15 USD as a base! For that, you’ll get all rights to the design. You can rename, redesign, gift, or alter the characters to your liking after you buy them. I’ll give you the large, transparent image of your crab as well! They’re all yours!

For $25 USD, I’ll make a nice, fancy little ref sheet with at least a few cleaned, colored sketches to go along with it! Not only that, but any designs that you’ve bought from me are always 10% off if you ever commission me to draw them again!

Are there any rules?

Yep! Here’s the rules: - Prices are listed in USD! I use paypal, and paypal only for the most part. - First come, first serve, unfortunately. - You MUST pay before you receive any of the rights/images included! - Once purchased, you are free to tweak the design as you please! This includes the name and lore- they’re just fun little suggestions, laid out in the format of an adoption center. You don’t have to follow them at all! - Trades and resells are allowed as long as you sell it for as much as you bought it or less - Please credit me for the design if asked!

Alright! Give me the crabs!

“PRIMROSE” || SOLD Fawned ash standard Primrose is a spoiled little crab who was owned by a sweet little old lady who has since passed away. With nobody in her family wanting to take her, she's now looking for a new home. She's used to being dressed and wearing fang caps! She's a bit spoiled and picky with her food, so looking for someone who doesn't mind giving this little lady a lot of love and attention!

“MILLIE” || SOLD Grey capped Volkov Millie is a shy, albeit feisty Volkov who was rescued from a house that was hosting illegal fighting rings in their backyard. Her left talon and leftmost mandible were infected and had to be amputated, which causes her a bit of difficulty moving around- but she's still fit and spry! Looking for a home who doesn't mind a somewhat skittish crab, after everything she's gone through- who can help bring her out of her shell!

“MEATLOAF” || SOLD Chocolate ticked standard Meatloaf is a large, chunky crab with an interesting orange spotted tint coloration. They're a bit... food motivated, to say the least. A lot of care has to be put into watching them, as they're surprisingly smart when they put their mind into getting into things- and will eat anything they can fit into their mouth. Looking for someone with childproofed cabinets who wants a very friendly and intelligent crab!

“MILK” || SOLD Black and white Saddlehorn Milk is a standard Saddlehorn who was brought in because the former owner was unable to keep up with vet costs. Milk has a lot of internal problems, and had to undergo some intense treatment, and to be kept on a very specific diet. Looking for someone to help Milk maintain this diet and strict regimen and checkups until they feel better!

“CHOCOLATE CHIP” || SOLD Chocolate Siamese nubbed Chocolate Chip is a sneaky little crab, surprisingly small for their age. They were found wandering the streets, and it's presumed they got out of their previous home- which is most likely true, considering their track record of weaseling out of their enclosure! Looking for someone who doesn't mind a very intelligent, active crab, and has lots of time and attention to give!

“PEACHY” || SOLD Snowshoe flaxen standard Peachy came from a well-off home who once again bought a young, fancy breed- and ended up de-beaking him and then neglecting to give him proper attention and care. They were passed on to a few homes because of their rather shy behavior from lack of attention, and are looking to finally get a forever home with someone who wants to bring out the sweet, caring side we know is in this crab! He's de-beaked, with no apparent health concerns visible.

“SHOOMI” || SOLD Fawned flaxen pancake Shoomi is easily one of the most well behaved crabs in our care! They’re extremely docile and good with kids as well! They don’t mind being dressed up or having stickers and such, hence the googly eyes. They’re the only one who didn't particularly hate things being stickied to them. Perfect for a home with kids!

“STACY Q” || SOLD False poison Stacy Q is a false poison, who is superbly friendly, albeit... extremely lazy, and more than a little bit hefty. She's perfectly healthy, however! She came from a home that thought they would be 'cool' and 'scary', and was dissapointed when she just sat around all day. She would be a wonderful match for someone who doesn’t mind a somewhat sedentary crab who doesn’t need a lot of attention!

“GUMPY” || SOLD Olive marbled hunchback Gumpy is a hunchback with a bit of an attitude problem. He was part of a nice lineage, but he didn't get along with other headcrabs at all and was given up on. With a little bit of time he might warm up to people, but is probably best left without any other crabs or pets in the house.

“MISS SASHA” || ON HOLD Golden Bata Miss Sasha is a very old Bata, who was a winning showcrab in several runs- but as she got older her beautiful golden color began to fade, and so they took her out of competitions, and want to rehome her. She’s still very playful for her age, and loves to give and receive lots of attention. Good for someone who doesn't mind a sweet old crab who isn't very active anymore, but still has lots of love to give- and preferably can give lots of attention in return, as she gets sad when left alone.

“NGUNI“ || SOLD Fancy Saddlehorn Nguni is a very very unique Saddlehorn with a beautiful, very rare pattern- most likely a showbreed of some sort. However, she was found hit by a car, which mangled her right claw and left her with some scarring. Even more interestingly, despite her unique coloration, her previous owner can't be found, and isn't coming forward to any messaging. Enough time has passed that she's looking to be rehomed to someone who doesn't mind giving her her daily meds and making sure she doesn’t overexert her injured side!

“MAPLE” || SOLD Sorrel smoke pancake Maple is a feisty young crab, who was bought as a present for someone's child, since pancakes are known for their docility- only to find out that Maple was surprisingly aggressive for a pancake. They ended up having to rehome him, out of their children's newfound fear for headcrabs. Looking for someone who doesn't mind a bit of a feistyness in their crab and is willing to work with it to help curb their temper!

If you’re interested, DM me here on tumblr! If you’d like, you can ask for my discord and we can discuss details there as well.

#half life #headcrab #headcrabs #adopts #adopatables #headcrabguide #my art #feel free to rb! it would actually help a lot :'''#i was worried this would be weird since valve like. owns them but #i just like drawing crabs and my friends said i should sell em for like 15 bucks each and so. here i am!#i love them so much im kinda excited for this lol #headcrab adopts

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spooner-the-trinity · 4 years

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How Infinity Train pulled from Infinity War’s Playbook for Doctor Who’s final curtain

Funding for Shaffrilas is provided by: Skillshare, the sponsor of today’s video. Stay tuned for a train ride to discountkosh at the end of the video.

O hai, Tetsuya Nomura. That’s a nice hole you’re digging with your Kingdom Hearts, what do you wanna do with it? Keep digging? Why thou? O for a production company? That’s great, whacha gonna do with it? Name and develop the town the Toy Story flicks take place in? Yeah, alright. Add the goofy jock from Glee as a best friend for Andy that the Triceratops assumes is just a Dinosaur Toy down the street? What a funny joke idea! Nix the final playtime they’ve hoped to cap off the film with and save it for a later project? A tad disappointing, but alright. Make Sora a vessel for Xehanort? Whoa, that sounds hella har- A sexy Genie of the Rose who grants a wish for every petal on that collar-mounted rose of hers? Unique concept, but I smell some Hans Christian Anderson shi- The genie’s life force is bound to the Rose so she croaks when the last petal falls ala Beauty and the Beast? And there it is, Color me unsurpri- The Genie finds Andy and drags him into a sex scene to the tune of Aladdin’s Friend Like Me? I don’t think the parents would be okay with their kids watchi- Toonami’s airing this show? Wait, isn’t it on a competing networ- Lewis from Meet the Robinsons is Deleted by DOR-15 Ala the Nanobots from Jimmy Neutron? Mister Enter would be insulted on how you did his favorite Disney flick dirty like thi- Andy is shot into a wormhole and is mutated into a photosensitive Beast? Guys, It’s starting to look like a bad ide- The Genie is an aged-up Bonnie and she’s pregnant with Shantae!? Get me off this crazy tr-

Infinity Train Productions is one of the boldest associates Disney has in its corner right now, from wrestling away ownership of three Gainax originals to collaborating with competing animation company Dreamworks, the IT guys are pretty renowned for their kooky crossovers and kookier cinematic universe. And they’ve made sure to make their acquired goods count towards that universe instead of burn it to the ground LUCASFILM. Starting off by stating this is a universe where Second Impact prevented the assassination of JFK by means of tanging up 13% of the world’s population and weaved a few stitches of train tracks across the globe, naturally the space race escalates exponentially and they begin to develop new technologies and elect Walt Disney himself to be the President of the United States with Nixon as his running mate. That alone resulted in a Sequel Show to Brigadoon where a 24-year-old Marin Asagi boards the Challenger and ends up cast into the future with Melan, a retelling of the first arc of Gurren Lagann that featured Yui Ikari as a supporting character that saves Kamina from death, a twenty-six episode miniseries featuring Andy from the Toy Story gaining a magical genie bound to an enchanted rose, and that’s just the first half of its initial decade. I could go on about its repertoire of shows both original and acquired: Twelve Forever, Evangelion, both Arcadia trilogies with the elder of the two being started by the aformentioned show with that genie of the rose titled, erm… Genie of the Rose, but the one I’m aiming my sights on is the latest acquisition, one that they made in secret. Doctor Who and how they pulled from the playbook of Infinity War to bring the story to its last stop.

Now, quick recap on how Infinity War makes a powerfully heartfelt mass market appeal joyride out of a thoroughly depressing story about failure. Where most Marvel Villains are merely obstacles for the characters to overcome, Thanos acts and reacts as a real person. Where most conflict have certain factors that tip the scales in the favor of who’s tipping them, the conflict is one where either side could come out victorious, where the Comedy of the Last Farcebender ended with the good guys laughing off their failure, Infinity War ended with a content smile from Thanos and our heroes dead silent save for a minor peep of: “Oh, god.” Where the bad decisions in Farcebender are made from genuine stupidity, Infinity War’s stem from worrying whether or not certain sacrifices are worth it. With that crash course out of the way, let’s dig in.

First thing’s first, is the villain a compelling character? Well, although Sacha Dhawan has the same unhinged energy expected out of any incarnation of longtime enemy, the Master, complete with moments of geniuine affection to his former best beff, he’s ultimately not the main baddie of this piece, that honor goes to Alrick. Believed to be dead after a dirtbike accident, it turns out that he had been picked up by the train and has spent a good three decades or so fucking with the systems to construct an empire starting with the crazy world of Elmore all the way to the Lanes Between and yes, he has shown himself to be a caring father figure to Grace and Simon throughout the second half of Cracked Reflections which leads into the episode, he’s concerned for his future as he’s clearly not as lively as he was when he first climbed aboard and even expresses hope for Jesse returning to the train after taking the exit and getting seperated from MT. And oh, look! He returns after the big moment, that’s nice.

So yeah, compelling villain, that’s one tick. Is there equal opportunity for either side to win? Well, MT and early on Jesse before his aformentioned exit have the additional assistance of the Watterson family, Banana Joe, and seemingly Penny for a scene only to reveal her in a new shell complete with mind-control and reflective surface to sick the Po-Po on MT. But despite being the protagonist of his show of origin, she’s not the opposing side to Alrick this time around, it’s the wibbly-wobbly timey-wimey biatch herself and man, does it set up a curious comparison. Alrick is focusing his will into projecting his consciousness into the Doctor’s heart, an alien with countless eons worth of memories under her belt compared to Alrick’s measly sixtysomeodd laps around the sun. Not only that, but the Doctor is able to expel regeneration energy to fry the shit out of him if he feels the need to get a little messy. But with her locked up in the Time Lord Matrix which the Master has already skimmed through, there’s nowhere for the Doctor to run or even hide from Alrick. Throw in the Master’s ability to have his mind occupy two hearts at the same time whilst he’s chatting it up with the Lone Cyberman and the Doctor’s pretty pinned but still has a chance to outfox Alrick at the end of it all.

Bad decisions, the Doctor doesn’t trade lives so she keeps asking about the Timeless Child, what it’s supposed to be and why it drove the Master into absolutely butchering Galifrey after all the hard work each incarnation of the Doctor had. It turns out that this Timeless Child was a Pheonix Denizen created by Alrick to create a perfect world but One-One cast it out in hard-light beam form, striking Takeru and Ryou from This Ugly Yet Beautiful World from 2018. From the clipped wings came Hikari and Akari respectively whilst the main body crashed out of a wormhole into the sights of Tecteun who adopted the kid in time for a spaceship of highly-evolved snake people to crash land due to Kate and Leopold rules of time travel causing their machinery to get mucked up by Time Police in an episode of Rick and Morty of all shows, causing the child to fall to its doom and promptly regenerate, making her the first to do so in Galifreyan history. One of the survivors offers the gift of Time Travel in exchange for the power of Regeneration and Tecteun, scientist and explorer, jumps at the chance by means of tearing out the child’s soul for every three days that elapse. Obviously, she’s a fucking monster and she eventually does crack the code and test it on herself and the results allow the gift of time travel to bestowed upon the newly minted Timelords by Omega. Wow, all of this from a formally great show, (Doofenshmertz: what are the odds.) The Doctor is obviously unsurprised that Omega dangled the keys to time travel over the heads of the Shobagan race, but what horrifies her is that the very thing she and every other Time Lord we’ve seen had taken for granted was pilfered from a denizen that she learns after the life of abuse was created by some dude who hijacked some Train Car manufacturing equipment to build a perfect world. And it’s here where we see the main lynchpin of Alrick’s character: Perfection.

Those of you who’ve seen the whole series of Cracked Reflections will know that Alrick is an obsessive perfectionist first and foremost hence the plan to transform every Denizen of Elmore into full-blooded humans with leftover energy from this same Timeless Child. But not many of us recognize that this is only part of Alrick’s shtick. A simple man with complicated motives, a futurist in the trade of nostalgia, a conservative obsessed with progress, a gentle mentor with an impatient temper. These are just a handful of the ways to describe Walt Disney that were used by Ben Bouqulet, Mic Graves, and Owen Dennis to depict Alrick over the course of the last two seasons of Gumball leading into Cracked Reflections and Garrick Hagon truly gives his all portraying all the various shades of this man especially here when he is sharing his story of how he created a literal god only for One-One to cast it aside upon regaining control of the train from the very woman he spent the past 33 years building a perfect world for, a woman he cherishes like his older sister cherished his girlhood friend, a woman that even now still believes him to be ‘One-One: Gone forever?’ That is some next level tragic shit right there.

Of course, the Doctor is still concerned for this child and it’s here where a familiar face crashes the party to let the cat out of the bag, Morbius from the Fourth Doctor Adventure Brain of Morbius outing himself as the infamous Timeless Child as well as harboring his disembodied heart in the Doctor after his ill-fated Mindbending Battle. This swerve may have served to provide added tension towards his motives, is he really wanting to go back to his home and views traveling with the Doctor as his only way there, or is he biding his time, waiting for his chance to overwhelm the Doctor when she’s not looking. As we see more of Morby’s checkered past in excruciating detail, slavery to the Division with everything down to his personality programmed and dictated into a mind-melded Morby by an enigmatic cult dubbed ‘The Master Writers’ An organization build solely and specifically for Infinity Train Productions to use in their portfolio of works. And when they were done with their enslaved progenetor, the Division in which they served lined him up for an execution from the Fugitive Doctor, during the 2nd Doctor’s orientation. Then they promptly merc poor Ruthie to regenerate her into the 3rd Doctor, closing the gap between Troughton and Pertwee. So yeah, The Division, they’re run by total assholes and Numero Dos only agrees to work there if his first assistant is longtime companion Jamie McCrimmon. But look at his face, does this look like the face of concent and tolerance to you? ‘Joe (Help, I’m a Fish!): Of course not!’ Props to Sam the Man with a Plan Troughton for filling his father’s shoes in this emotionally tense scene. And this ain’t the chilling twist that shocked the fandom.

Alrick: “Whoever harbors the heart of the child is the child in of itself.“

Doctor: “Wot?”

Alrick: “It means that I will have my prize whether you like it or not!” (Punches through the Doctor’s Chest, crushes the Smash Ball within, causing the Doctor to turn into a pheonix before dissipating into Alrick’s body with the Smash Ball. Alrick’s Number skyrockets as his body regresses to his prime, the man laughing maniacally as the Timeless Child’s ultimate power rushes into him)

So yeah, Morby’s been reconstituting his powers over the centuries the Doctor had lived hence the golden energy during the later regenerations. How we find this out is by the titular character of the BBC’s last remaining reason towards that sweet TV Licence Money getting outright merced by Alrick in front of a guy that deep down still admires his childhood friend. This closes out An Untimely Caviat, the final episode in Doctor Who’s revived series, and leads us right into the finale of Cracked Reflection where he goes full on Disney Villain. Mercing the Master to make him a conduit to gijinkafy the entirety of Elmore, Co-Opting his Cybermaster drones as a mechanical army, ludiccrous speed incubating a pocket-dimension frog to house the Train Cars his empire had conquered via that same energy he channeled through the aformentioned Master, yeah, this does not sound like the man Amelia planned to marry if not had already married outright. Well, that’s the point. He’s drunk with power, it’s more likely that this is his ambition talking. No doubt he’s relishing in his own arrogance much to Marnie’s horror. Oh, yeah, Old Marnie’s doing her astral projection thing to react to her younger brother’s madness and watches on as MT gets roughed up by Super Alrick in front of an audience of his adopted children.

Of course, MT does find some santuary in the Number Car and re-unites with Jesse, resulting in the now sempailess Agent Sieve phasing through the glass screen whilst the train is figuring out how to solve Jesse’s seemingly unsolvable problem of getting a denizen off the train. But that just gives the Fleck some time to witness the madness of this rumored Apex fella as he ankleholds MT and gijinkafies Gumball and Darwin to demonstrate his final offer, her response is to break out a Denizen Ex Machina by prompting Alan Dracula to slice the monkeyfigher in half, causing him to regenerate into a pair of innocent, mindless little babies that will never bother anyone ever again… The Crown grieve for their master, Sieve calls off the manhunt for the rouge slither, the companions go their seperate ways with Graham staying on Earth to deliver the bad news the two youngest raising the two babies up to the Doctor’s standard… or at least one of them due to Yaz getting arrested by a Judoon Platoon before she could legally adopt Zarc. The expression of the companions are grim, and rightfully so, the one guy-or-gal that has kept the 21st century from falling into tyranny is no longer around to do the job they enjoyed doing whenever there was a sitch to see through. But after the wide shot of Yaz getting locked up in Shada we cut to MT, off the train and safe with Jesse in Arizona. Jesse’s brother Nate comes up to find his older brother with the very Chrome Girl he met on a magical train, Nate asks for the girl’s name and her answer?

Jesse: Dracula 2?

MT: (looks to the Lake, concerned that the Flecks would come after her but eases up when its clear that there are no Flecks coming.) I’m Lake.

We get a nice little callback to close out the series as the song Kibō plays in the credits, indicating that Hope is still out there in the cosmos, Doctor or No Doctor. And that is a powerful message to send to the audience and I have a pretty good feeling that whether or not the Doctor ends up getting revived in Kingdom Hearts III alongside all the absent heroes that Infinity Train productions had raked in over the years doesn’t quite matter, the studio does not need Doctor Who and its universe does not need the Doctor. And I have a pretty good feeling that the Doc may end up giving up their ticket back into the land of the living, leaving the universe to all the other champions of the cosmos that Toonami has flaunted over the decades. The Doctor has overcome many frightening, haunting, tyrannical, violent and downright Orwellian things in life and man, oh, man have we got a whole plate of them to overcome even now. Would I go back to this expansive world for further analysis, sure, if the views get gud. But the impact of the Doctor’s Death is a pretty big deal that actually caught a bunch of us by surprise despite the minor hints scattered throughout. (One-One: All aboard for emotional maturation on the finest freighter in all of Trenzalore) The Destiny of the Doctor News heard around the world, and the outpour of memories and grief rivalling even Mr. Peanut but unlike the legendary legume, our favorite timelord will probably be gone for a lot longer than just a couple of weeks and the time it takes will show how deep the rabbit hole goes. It will also show who’s willing to step up and find ways to make a difference in the lives of others, and they’re going to need to learn a thing or two to do so. (Cletus from the Simpsons Movie with the Skillshare Logo slapped onto his face in post: My time to shine.)

#schaffrillas productions #Doctor Who #Infinity Train #The Amazing World of Gumball #Timeless Child #Alrick #submission

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joeyrob1 · 4 years

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Customer Acquisition & Retention with Help Desk Support SaaS

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Cloud computing came into existence operationally in 2000 even before the dawn of mobile apps. It matured and gained traction five years ago which enabled a new wave of technology consumption trend to emerge. One of them would be to view software as a service (SaaS) instead of as a product. The advantage is obvious here. You can save on significant upfront software investment cost. In addition, you would can deploy and scale your help desk solution much faster. There is also the advantage where businesses don’t have to buy and maintain their own hardware for help desk. All they need is a reliable connection to the Internet.

All you need to do is to pay affordable monthly subscription fees to the software vendor and the vendor will be responsible for continuous upgrading of the hardware and software. The vendor would benefit from a steady stream of subscription income instead of lumpy revenue when software is sold as a product (e.g. High revenue during initial product launches and lower revenue later). This trend is applicable not only to personal but also business consumption.

SaaS in Cloud Computing

Given this win-win condition, it is not surprising that SaaS had caught fire. According to market research firm Gartner, worldwide spending on enterprise application software would grow approximately 7.5 percent annually from $150 billion in 2015 to $201 billion in 2019. SaaS would account for 50% of this enterprise software spending.

The emergence of the cloud had allowed various computing solution to be hosted there. We would use a slightly dated chart from Gartner’s 2013 studies to keep things in perspective for SaaS in cloud computing.

Source: EnterpriseIrregulars

While SaaS is a sizable market by itself, it is only small piece of the technology pie in the cloud computing application. Today we are going to focus on one particular segment of SaaS and that would be help desk management.

Importance Of Help Desk Support

Source: Statista

As the above Statista chart shows, help desk management had grown steadily from $13.5 billion in 2005 to $19.9 billion in 2015. The only time that it dropped was in 2009 during the Global Financial Crisis. This chart also underscores the importance of help desk Support for enterprises.

An organized and scalable help desk software is vital for any successful organization. It would be the single point of contact for customers who would like to enquire about their products and services. The help desk function would also organize the various channels for customers to approach businesses to solve their various problems.

Help desk defines the customer experience when they come into contact with businesses. A good customer experience would allow businesses to acquire and retain customers which would spread their reputation. After all, free word of mouth recommendation has greater marketing power for businesses than other forms of advertisement. Hence in order to satisfy their customers, enterprises continued to invest in help desk software. Despite the difficult financial conditions, business spending on help desk recovered in 2011 as it is essential to their continued survival.

Background of Solutions Providers – Freshdesk and Zendesk

While the concept of satisfying your customers is simple, it is hard to implement in practice.You would need a comprehensive system to ensure nothing fall through the cracks.

Freshdesk and Zendesk are arch rivals and among the best in this competitive field of help desk support. Zendesk is the incumbent dominant force until Freshdesk came along in 2012 to steal its lunch. Ever since, Zendesk responded by cutting its price and offering better products to prevent losing customers to Freshdesk.

Zendesk was started in San Francisco in 2007 and Freshdesk came about in Chennai (India) in 2010 after its founder won the Microsoft initiative Bizsparks. Bizsparks is a talent show for startups to display their business talents and win rewards to finance their business. While both of them started to target the small and medium businesses, they were so good that they encroached on SalesForce target clients of big businesses.

Source: BuildWith

While Freshdesk started in India, it acquired most of its customers in the United States. In terms of customers, Zendesk announced that it has acquired 60,000 clients on August 2015 while Freshdesk has announced that it has 50,000 clients also on August 2015.

Help Desk Features

Any respectable help desk software must have the following features:

Ticket Management

Knowledge Base

Notice Board / Updates

Community forums

Analytics and Reporting

Ticket management is the backbone of any help desk system. This is the central database where all clients contact with the company is being recorded and processed. They can approach the company through email, social media (e.g. Facebook), voice and online chat. The advantage of ticket management is that you can track the start and resolution of a problem and assign it to the best suited person to manage.

A smart ticket management system will also answer commonly asked question with a pre-defined answer (called macro) and anti collision rules to prevent 2 agents from working on the same case at the same time.

It would also merged repeated questions from the same client who asked from different channels (e.g. Email and Chat). Therefore you can provide a coherent answer and the customer service agents can put in Notes for future reference. All emails to your help desk will automatically be ticketed.

Both Freshdesk and Zendesk do their core ticket management well but Freshdesk has an advantage here as it gamify its help desk to encourage your staff to work for their badges.

Source: Freshdesk

Knowledge base is the depository where you answer frequently asked questions. This is useful when your clients want to find help outside of your normal operating hours. They can find useful answers which can be in the form of text, pictures, webinars and videos. Other users are likely to have encountered these problems before and they can help themselves.

This is especially useful when you aim to scale your businesses and also for your own employees to reference solutions like a dictionary. Considering that employees change job frequently, this is also a good way to manage your enterprise knowledge.

Notice boards is self explanatory so I wouldn’t go in depth. Community forums are a place for your customers to discuss their issues. You can then moderate it and also proactively solve their problems. It is better for businesses to create an internal forum for their clients than for their clients to cross over to external forums to vent their anger. On the good side, they can also expressed their appreciation of your service.

Analytics and reporting allow you to see how well your employees are performing compared to industry standards. They also allow you to see where your product weakness where you receive more client’s complain. The age of tracking your analytics through Microsoft Excel had long been gone.

Source: Zendesk

Pricing

Before either platforms charge their clients, they offer 30 days free trial period. After the 30 days trial period, only Freshdesk has a free version in its tiered product offering. Both competitors offer cheaper pricing if you were to sign on for 1 year.

Freshdesk Zendesk Sprout – $0 per agent/month (first 3 agents free) 4th Agent – $15/agent/month Essential – $5 per agent/month (annual billing; $9 for monthly billing) Blossom – $16 per agent/month (annual billing; $19 for monthly billing) Team – $19 per agent/month (annual billing; $25 for monthly billing) Garden – $25 per agent/month (annual billing; $29 for monthly billing) Professional – $49 per agent/month (annual billing; $59 for monthly billing) Estate – $40 per agent/month (annual billing; $49 for monthly billing) Forest – $70 per agent/month (annual billing; $79 for monthly billing) Enterprise – $99 per agent/month (annual billing; $125 for monthly billing)

As you can see from the table above, Freshdesk consistently undercuts Zendesk in terms of pricing as it has a 30% lower base due to its Indian programming hub. For example, Freshdesk’s Estate is comparable to Zendesk Professional. What Zendesk charges for a annual payment of $49 per month ($49 X 12 = $588 upfront payment), Freshdesk allows you to pay it monthly.

The no-refund policy dictates this pricing. So if you were to pay for 1 year and use up 3 months, you forfeit the rest of the 9 months. It is less costly if you were to pay for it monthly in terms of forfeit.

Besides the standard features which I mentioned above, there are other items in help desk such as integration with other software such as website analytics, time management for billable hours (e.g. Lawyers) , asset management (inventory tracking) and so on.

Conclusion

Zendesk used to dominate the field until Freshdesk came around to offer comparable services for a lower price. While there are other service providers, these 2 provide a strong suite of help desk functions that will keep your customers happy.

The case for adoption has always been simple. It saves you time and money over the long term where you need less agents to deal with the same workload of customer complaints. If you don’t do it, your competitors will and you will lose out both in terms of pricing and customer retention.

This article is contributed by Ong Kai Kiat. He is a professional freelance writer who enjoys the process of discovering and collating new trends and insights for an article. He adds value to society through his articles especially those related to finance and technology. He is reachable at [email protected].

Brought to you by the RobustTechHouse team (A top iOS and Android developer in Singapore). If you like our articles, please also check out our Facebook page.

Customer Acquisition & Retention with Help Desk Support SaaS was originally published on RobustTechHouse - Mobile App Development Singapore

#Cloud Computing #mobile #app #development #singapore

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sarahstevensau · 4 years

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Facebook Ads Guide 2020: Marketing on a Budget

Shoutout Digital – SEO Agency Facebook Ads Guide 2020: Marketing on a Budget

Did you know that 1 out of 50 people who liked your page will see your post on their news feed?

Long gone are the days of posting on your facebook and all of your Facebook fans will see the post. Organic reach of business pages is almost none existant that’s why more and more businesses are transitioning to a paid post to compensate.

But as we all know, small businesses don’t have the same marketing budget as a billion-dollar company.

In this post, we are sharing some of the essential tips to get the most of your Facebook marketing budget.

Post with Intent

these days simply posting things on your facebook page and hoping someone sees them no longer works. You need to have a goal and decide what you are looking to accomplish with that post.

Best way to do this is to look at your Facebook insights to understand what posts are getting more interaction with your audience.

Here’s a detailed infographic to guide you on how to use the Facebook Insights tool.

Use a content calendar

We’re all busy. And when we’re busy without a plan in place for the tasks we have to get done, things inevitably slip through the cracks. Social media content is no exception.

Just like with blogging, a successful social media strategy requires regular publishing and engaging with followers to see positive results — whether that be in terms of SEO, brand recognition, lead generation, or all three.

Here are some of the most popular Content Calendar tools that you can check out.

Trello

Trello is another organisational tool that’s highly effective for team collaboration. More specifically, social media managers can use Trello’s flexible assignment “cards” and customizable “boards” and “lists” to map out to-do lists, manage a content calendar, plan a campaign, and house ideas from a brainstorm.

Excel Spreadsheet or Google Sheets

Marketers might already use Excel for different types of reports and data analysis in their roles, but it’s a highly useful tool for social media content calendar organisation, too. Excel can be customised according to whatever priorities or metrics a team is focused on, so it’s an excellent tool for planning.

Evernote

Evernote is a note-taking app that marketers can use to keep track of all the moving parts that comprise a social media campaign.

The tool also features yearly, monthly, weekly, and hourly logs, which make it easy to keep track of when you’re publishing content on social media when you’re producing blog content, and other team-wide priorities. (Evernote offers customizable templates for each of these that can be downloaded into the app.)

Optimise your Facebook Business Page

When creating your Business Facebook page, think of it as your own website. You can set up different tabs that work as a navigational menu of your page. Hence, it’s essential that you organise them so your customers can find the information they need quickly.

Very simple things like adding review tabs are often overlooked but can make or break the user’s experience.

Create your own group/community

By creating your own community inside your Facebook page, you can get more organic reach than your regular business page.

You can easily communicate with your audience without spending anything to boost your posts.

Here’s how to add a group to your Facebook page.

Posts On Your Facebook Story

Facebook story tend to have a casual feel and users tend to engage more on content and posts like this. Some of the most successful facebook stories we’ve seen are Behind the scenes and business updates.

We have also seen an increase in the popularity of live feeds where you can interact with your audience and fans directly.

Boosts Your Posts

There’s no denying that Facebook business page organic reach has dropped significantly. So if you are having a big sale or a promotion, it’s worth it too boosts your facebook posts so all of your Facebook fans can see the offer.

Try using different types of content, messaging, images and posting times to see what can help you get the most out of your marketing budget.

One of the most powerful aspects of using facebook posts is you can custom tailor the audience by location, age, and so on.

Here’s a step by step guide how to boosts your posts on facebook.

Boosts Posts and Facebook Ads Combo

By creating multiple ads and boosting the ads with a budget of roughly $30 to $50 to drive engagement to your ad. This will also tell you which ads are getting more engagements such as likes, comments and shares.

Once you have generated significant engagement, you can use that exact same boosted posts as your primary conversion ads.

Ads with likes, comments and shares generally convert better than an ad without any engagement.

Create Your Custom Audience

One of the most effective ways to get the most out of your marketing budget is to retarget users who already engaged with your brand or business.

You can create hundreds of different custom audiences and run various tests.

Our tip is to run video ads to an audience who never heard about your business. For example, if you are an electrician, you can create a video talking about “10 electricity safety at home”.

After a few days, you can then send another ad to people who watched your video ad offering a discount on home electrical health check,

By using the method, you are only sending your offers to people who are interested in your service or product getting the most out of your marketing budget.

Use different bidding strategies

One of the most important ways to create a successful facebook marketing campaign is to test different bidding strategies.

For example, you can create multiple ad sets with an exact same copy but with different bidding strategies, let it run for a couple of weeks and then turn off the underperforming ad sets.

Facebook uses data to find the best customers accurately and if you only started advertising, recently, Facebook won’t have enough data on your business account. Facebook typically need 15 to 25 conversions per week to find the best audience so if you don’ have 25 purchases then it’s best to set the conversion event that’s closer to the top of your sales funnel.

Capitalise on link retargeting.

If you’re using Facebook retargeting ads to boost conversions and attract visitors to your website, you should use link retargeting. This allows you to build your retargeting lists and reach the audience who haven’t visited your website before.

“Basically link retargeting allows you to add Facebook retargeting pixels to your short link when sharing curated content. Anyone who clicks on this content can be retargeted with relevant ads, So you can retarget people who’ve clicked on media coverage, reviews or industry news related to your business, even if the link led to a third-party website.”

Final Tip

Don’t be scared to run multiple tests on your Facebook account. We understand it can be quite scary watching facebook eat all your marketing budget without conversion. But know that this budget is not wasted since you are feeding your account relevant data and information.

Once facebook understands who’s your target audience conversion and sales will start coming in. Understand that it’s in Facebook’s best interest for your ads to be successful because the more successful you are on their platform, the more money they make out of you.

If you want a tip or advise how to run a facebook campaign properly, we are happy to help you out with our 30-minute no-obligation strategy call.

Speak to a Facebook Expert

Related Services

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We build high-converting landing pages to optimise your conversion rate and skyrocket profits from your PPC advertising.

The post Facebook Ads Guide 2020: Marketing on a Budget appeared first on Shoutout Digital – SEO Agency

source https://shoutoutdigital.com.au/facebook-ads-guide-budget/?utm_source=rss&utm_medium=rss&utm_campaign=facebook-ads-guide-budget

source https://shoutoutdigital1.home.blog/2019/12/29/facebook-ads-guide-2020-marketing-on-a-budget/

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ohvasparetime · 7 years

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Jobs, pay at root of rural Ohio’s opioid crisis?

News

By Gary Brock - [email protected]

Ohio State University professors Mike Betz, left, and Mark Partridge, center, discuss the issue of opioid addiction in rural Ohio with moderator Chris Bruynis, Ross County Extension Educator, Agriculture and Natural Resources and County Extension Director Thursday, Sept. 21 during the “Ask the Experts” panel at Farm Science Review.

Despair caused by a lack of jobs and hope is the greatest single factor in the growing opioid addition crisis in rural Ohio.

Related Links:

‘Sealed With A Kiss’, the EP Album on Spotify:

https://open.spotify.com/album/2nIVNmsX2oxGrAlxxDB4ca?si=PvhqfYUMRkCKSwmdUZet9g

Carla Sacco’s Interview:

http://waalm.tumblr.com/post/182254784039/artists-the-provoking-leaders

MMP Official Website: http://www.musicmentorproductions.com/

MMP FB Page: https://www.facebook.com/musicmentorproductions/

#waalm #musicproductions #musicmentor #mosidorbayani #peterlinsman #carlasacco

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smile-smile-ichthys · 7 years

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Can I have jumin fiction where MC is covering for jaehee and he fells for her ?!

AAAAAAAAAAAAAAAAH I LOVED THIS IDEA SO MUCH ARGH I MAY EVEN DO A JUMIN POV FOR THIS IN THE NEAR FUTURE ARGH THANK YOU FOR REQUESTING THIS!

“Ah, you must be the cover for Jaehee, nice to meet you inperson” he said incredibly formal, offering me his hand.

I gently took it and kept a straight face. Jaehee had toldme how stern and cold this guy could be, so I had to be the upmost professionalI could be.

“Pleasure to meet you too sir, I do believe you have my worknumber and e-mail address?” I asked, removing my hand from his.

“I do, all in my system, you start immediately yes?” hereturned my question with his own.

“Of course, hence why I’m here sir” I explained, readyingmyself for the onslaught Jaehee had warned me about.

My best friend, Jaehee Kang, was Jumin Han’s assistant, butdue to unforeseen circumstances, Jaehee had to leave for a week. Problem was,Jumin needed an assistant and couldn’t just give Jaehee a week off. Hence why I’mhere. I’ve done intense assistant work before and I was asked in as a favour,well, a paid favour but still. I was sure I could cope a week with Jumin Han,even with the warnings I was given. It was just a week, what could happen?

Day 1.

He immediately put me to work, arranging meetings, makingsure he was on time for everything with run downs of each one, not forgettingto give him the paperwork he needed. I believe I coped well, but there was nopraise from Mr Han. I was new to this building and this man, surely he wouldgive a little bit of praise? Nope. This was clearly a place where you just goton with your job, and if you were doing something wrong you were told, butnothing else.

I was so used to people praising my work, making sure I wason the right track, here, I felt like I was fumbling my way in a dark tunnel.If I kept walking I was doing fine, but I didn’t know where I was going. It wasnone stop too, if Mr Han was in a meeting, I was doing something else if not inthere with him. Throughout the whole day I got a 15 minute break to havesomething to eat. How did Jaehee cope with this? This was incredibly unfairtreatment. However, I couldn’t make Jaehee look bad in her recommendation ofme, so I knuckled down and just got on with it. Six days to go.

Day 2.

I was working a lot closer with Mr Han the next day. Helpinghim write up some reports and future plans. To be honest, working with him likethis made me realise how much of a hard worker he was. I only got a 15 minutebreak the day before, and yet, I didn’t see him take any. I only ever saw himgrinding away at his computer or phone or even talking with his colleagues, Ihad my suspicions that he had eaten while on the move.

While we sat in his office, writing up a report, I noticedthat his desk lacked photos. My previous bosses had photos of their families,friends, pets, this guy? Nothing. Except one photo of a beautiful, snow whitecat. Was this guy single? There was no wedding ring. A big CEO like him notmarried at this age? I couldn’t contain the surprise on my face.

“Is something wrong?” he asked, catching me staring at thepicture of the cat.

“Ah, no I was just admiring the cat, they yours?” I asked,nonchalantly, shaking the surprise from my mind.

“Yes, her name is Elizabeth the 3rd” he saidquite proudly.

“She’s beautiful” I said truthfully. She was. Her fur lookedwell-groomed and she looked truly happy in the photo.

“Thank you” he said. And, was that a smile? That was thefirst smile I saw since meeting him. Strange man, but a man I kinda wanted toget to know more.

Day 3.

Today’s tasks consisted mainly of just me in my littleoffice organising meetings more than working with Mr Han, which saddened meever so slightly. I know the day before was a little bit stressful, desperateto get reports done and such, but seeing that stoic man smile so casually abouta cat…I wanted to make him do that again.

When the clock turned 1pm I decided I would allow myself abreak now, and since I was more on my own that day I knew I could give myself alittle longer to eat. Bringing my sandwich out, I realised I hadn’t brought adrink. Damn it. I brought my purse out, grabbing some money then heading to thevending machines down the corridor.

Just as I left my office I bumped straight into Mr Han.

“Sorry sir, is there something you need me to do?” Iapologised.

“…were you on your lunch?” he asked. Strange question.

“I was, yes, just started now, I was just going to grab adrink” I said “but if there’s something that needs to be done my lunch can wait”

“No, not particularly, I was hoping to catch you on yourlunch” he said. He was acting rather strange, stranger than usual, nervous? No.Jumin Han never got nervous, he lived and breathed confidence, that’s whatJaehee had told me. But, why was he shifting on his feet like that?

“You were?” I asked.

“You said Elizabeth the 3rd was beautiful, Ithought you might like to see some more photos of her” he said eventually. Ha,he wanted to show me more photos of his cat? I didn’t mind.

“Sure, why don’t you join me for lunch? Then you can show methe photos at more ease” I suggested.

Jaehee had said this guy was stoic, not approachable andoverall, extremely professional. At this point, I disagreed with her, Jumin Hanthe CEO was yes, but Jumin Han the person? He just loved his cat.

Day 6.

The week had just flown by, I only had one day left withJumin and I knew I was going to miss these stress filled days. Today had beenno different, we worked hard, we had lunch together, he shared more photos andstories of Elizabeth the 3rd, he even laughed slightly at some ofthe things I said. I felt like he was opening up. I enjoyed his company, duringwork and during our lunch breaks.

At the end of the day, the clock read almost 11pm which hadbeen the usual finishing time for me during this week, I grabbed my things,sending off one last email to Jumin before heading out. That’s when my phonerang.

“Mr Han?” I answered.

“Are you able to come up to my penthouse?” he asked.

His penthouse? I’d heard from Jaehee that sometimes he didask her to go up there, but since I was only temporary I didn’t think thatcould apply to me.

“Erm, yes I can, I’ve only just left the building” Iexplained, turning back.

“Perfect, thank you” he said, hanging up.

It didn’t take me long to get up there, and naturally, I wasimpressed at the grandeur of it all. As soon as Jumin opened the door I wasgreeted by him and the infamous Elizabeth the 3rd in his arms.

“Thank you, it’s to do with the email you sent just now” heexplained, ushering me in, closing the door behind me.

“What’s wrong?” I asked as the cat dropped from his arms.

“You’re missing part of the attachment, take a look” hesaid, showing me his laptop.

Seriously, does this guy ever stop working? Just relax?Clearly not. When I saw the screen, though, I did panic a little.

“What the hell? It’s all gone encrypted!” I said, coveringmy mouth immediately “Sorry, I didn’t mean to say that”

“Don’t worry, I’m sure we can fix this before the morning”he said, showing me that rare smile of his.

Day 7.

What was time? What was sleep? What was anything? We hadbeen up almost the entire night trying to fix the email. I had even gone downto my office to resend it, but something had hacked into my computer so it wasn’tretrievable. We had to start from scratch, which took forever. But, finally, at9am, just before Jumin’s meeting for this report, we had fixed it.

He didn’t look tired at all, how he managed to do that Iwould never know. Being the gentleman he was though, he did say to me I couldtake a nap on his sofa and shower if I wished before coming back down for myfinal day. I accepted. I needed it.

When the day finally came to an end and Jaehee came to meetme in our office, I did feel a tad relieved, and yet also a little sad. I wasn’tgoing to see Jumin again, it was all up to Jaehee now. Of course it was, I wasjust a stand in. Nothing special. I quickly gathered my things after givingJaehee the run down and left the building.

Almost as soon as I sat down on my sofa at home, my phonebeeped at me. A text…from Jumin? What the heck? I sat up and opened themessage.

“Thank you for being my assistant, I deeply appreciate it,you were a hard worker” it said and I smiled, replying quickly.

“No, thank you for being a good boss, say hi to Elizabethfor me, I hope we can work together again in the future” I typed, not expectinga reply. And yet, I got one anyway.

“I don’t think so” I got back, making my heart sink. Whatdid he mean? Was all that just an act? But my phone beeped again before I couldspiral.

“I’d much prefer to see you again in a non-professional way,would you like dinner soon?”

I quickly replied, allowed the grin spread on my face like Iwas a teenager again.

“I’d like that very much, Mr Han”

“Please, call me Jumin”

#mystic messenger #jumin #jumin han #request #ah #loved this one

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crosbysierra95 · 4 years

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Does Xanax Help With Premature Ejaculation Stupendous Tips

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Can Infection Cause Premature Ejaculation

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dangkynhanhieusanphamcom · 5 years

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Retirement properties to rent bedfordshire

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jamesgeiiger · 5 years

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Financial Samurai 2018 Year In Review: Almost A Fantastic Year

Although 2018 ended on a down note with the stock market selling off, I feel good about how things unfolded. I’ll take the ratio of three good quarters to one bad quarter any year.

Believe it or not, my theme for 2018 was: back to early retirement life. I pushed myself to the point of burnout in 2017. But the funny thing about hard work is that it’s over. I only remember bits and pieces of how difficult 2017 was.

At year-end, it’s easy to forget our accomplishments and our failures. With this post, I’m excited to relive the good and the bad in the following categories: Finances, Family, Health, Business, and Odds & Ends.

This post is like a 4-for-1 special. It needs to be thorough so I can prove to my son his old man wasn’t a deadbeat when he inevitably starts rebelling or when I’m no longer here to defend myself.

2018 Year In Review

Finances – 2.5 Out Of 5 Stars

At the beginning of the year, I predicted we’d see a slowdown in coastal city real estate, a 10-year bond yield under 3%, and a stock market that would have one last hurrah with a 10% return. I was almost three for three with the stock market up ~8% in September. Too bad it gave up all its gains and then a whole lot! At least I got more defensive starting in March.

My net worth is roughly made up of:

30% in stocks/bonds = -3%. After writing Your Risk Tolerance Is An Illusion in the Spring, I reduced my stock allocation in my House Sale Fund to roughly 52% from 70%. As bonds began to outperform stocks coupled with further profit taking, my end allocation is roughly 40% stocks / 60% bonds. Owning a bunch of equity structured notes in my other main fund has helped minimize volatility. But clearly I wasn’t defensive enough and should have taken more profits during the summer.

My House Sale Fund portfolio was up around 13% at one point until I gave all the gains up in the 4th quarter. Right now, it’s holding onto a tenuous 5.4% gain, after the huge rally on Dec 26. Overall, my public investment portfolio is slightly down, which violates my rule of never losing money post retirement. I plan to update this performance daily due to the volatility.

I’m disappointed with my public investment performance. This goes to show that no matter how concerned you are about an asset class or the economy, greed can override logic.

Here’s a good chart that shows how the Vanguard Long-Term Bond Fund has outperformed the S&P 500 since 1999. The next time I start feeling greedy, I need to remind myself that slow and steady wins the race, especially if you’ve already passed the finish line.

6% in cash/CDs = +2.3%. Thanks to rising short-term rates, you can now get around 2% in a money market and 2.5% in a 12-month CD. It’s wonderful to earn something from our risk-free investments now. Cash and short-term CDs have been 10%+ outperformers against the S&P 500. Hopefully, folks will no longer badger me about the risks of underperforming inflation when the real risk is losing absolute dollar value. Unfortunately, I should have had closer to 15% of my net worth in cash and CDs.

30% in real estate = -5%. The online estimates say my real estate holdings have gone up ~6% YoY, but I doubt it now that the stock market has sold off so aggressively from the peak. Online price estimates and public data are always lagging estimates. Prices did continue to go up until about January 2018, but began falling for the remainder of the year. The chart below shows data months before the 4Q2018 stock market correction. Therefore, I’ve manually inputted -5% from +6% for a 11% swing.

Even though my real estate holdings are down, I thankfully feel no stress compared to my stock holdings, which is one of the reasons why I prefer real estate over stocks. One rental property has no mortgage since 2015, my primary residence is providing utility every day by sheltering my family, and my vacation property is generating a positive cash flow. I can’t wait to bring my boy up to Lake Tahoe to touch his first snow in March!

It’s unfortunate that I reinvested $600,000 of the $1,800,000 proceeds from my house sale into the stock market. I should have just stayed super conservative. But I suspect the best I could get now for the house is $2,600,000 today versus the $2,740,000 sale price in 2017. My house was on a busy street next to the busiest street in all of San Francisco. Fringe location properties, even in a good neighborhood, tend to underperform during a market softening.

8% in alternative investments = +5%. My alternative investments in venture debt and real estate crowdfunding seem to be doing well, to the tune of a 11% – 20% IRR. But these figures are probably too aggressive as well, so I’ve assigned a +5% performance instead. REITs and rental property have outperformed all year as rents are stickier than stocks. I remember back in 2009, my rents stayed flat because by the time the lease was over a year later, the recession was over.

25% in my online business = 0% – 150%. My business is the trickiest to value. Revenue and profits are up 20%+ YoY. Therefore, one might conclude that its value should also be up by 20%+. However, valuations have probably compressed since the stock market sell-off. The good thing is that a peer site with about 35% less traffic sold for 2X the value I assigned for my business in my net worth calculations. Therefore, there’s a possibility my site could be worth 2X – 2.5X my assigned value if we normalize for traffic.

From an estate planning perspective, I want my business to be valued as low as possible. It’s the same way you want your house to be valued as low as possible to pay less property tax. To prepare for hard times, I’ve kept my business at 0% growth in my net worth calculation.

Net Worth Growth

Here’s my 2018 net worth progression chart according to Personal Capital. The chart is a little chunky because of cash recognition delays. But overall, it was doing pretty well until the end of the year.

2018 Net Worth = +6.5%

The main reasons why my net worth is up ~6.5% in 2018 are business cash flow and aggressive savings. I continue to save over 70% of my after-tax income. If I didn’t aggressively save, my net worth would have been flat. As my net worth has grown, it’s harder to move the needle as much.

6.5% is OK, but at one point I was up ~11%. Hence, it feels a little disappointing. 10% YoY growth has always been my minimum net worth growth target since graduating from college. Despite the disappointment, I’m glad my net worth didn’t go in reverse.

If you’re feeling bummed out, it helps to look at how far your net worth has come over the past five or 10 years. When I left work in 2012, I was comfortable with what I had. Otherwise, I wouldn’t have left. Having another six years of growth, excluding 2018, has really been a blessing post early retirement.

The key is to not lose all your gains to a bear market.

Related: Recommended Net Worth Allocation By Age Or Work Experience

Family & Fatherhood – 4.7 Stars

I could not have tried harder to be a great stay at home dad. I only have one shot, so I did everything to educate myself about parenthood. I also spent as much time as possible with my son as a stay at home dad.

My greatest moments of joy all year came from seeing my son’s milestones. He started waddling with help at around 11 months and slowly started to walk unassisted at 12 – 13 months. By 18 months he was able to count to 30, say all letters of the alphabet, and identify eight different colors.

His favorite words and phrases at 20 months old are “hot dog, ketchup, yum, yum, yum” “double wide garage door,” “walk with daddy,” “knock knock,” “verde,” “voila,” and “da hai bao (big seal in Mandarin).” He’s also just begun to sing a couple lullabies, one in Japanese and one in French. We try to talk to him in multiple languages as supposedly that helps brain development. He’s hilarious and full of determination. Oh boy is he determined.

When I’m not working on Financial Samurai or managing our investments, I pretend I’m a pre-school teacher and occupational therapist. Because he has a vision issue, I’ve been helping him track objects, work on his depth perception, and hand-eye coordination. So far he can walk up stairs no problem, but he still needs assistance going down stairs.

Now we’re focusing more on his fine motor skills, like drawing, holding a pencil, brushing his teeth, playing piano keys, and using scissors. The duties are never-ending, but it’s been a blessing to care for him every day and watch him grow.

He is a determined boy

My greatest sorrows have also all come from my son. Between 11 – 15 months old he would fall frequently or accidentally bonk his head on something hard or sharp. I felt his pain each time and admonished myself for not doing a better job protecting him.

As a result of his accidents, I ended up padding everywhere around the house and padding every wall and table corner. Interior design be damned! Thank goodness we live in a modest size house. The padding has saved him from injury numerous times, including on Christmas, when he stumbled on a package and hit his head on our coffee leg corner which was padded, hooray!

It turns out that toddlers between 12 – 19 months fall about 17X an hour on average according to one study of 120 toddlers. Only until about age 4 do most toddlers fully master their walking and running skills. That made me feel a little better, but it still made me so sad whenever he hurt himself. Taking him for a walk with a harness has helped tremendously. I’m teaching him to look both ways before crossing the street.

It’s also interesting it takes up to 24 months before a toddler’s fontanel closes. Therefore, we as parents might as well be as diligent as possible in trying to protect his head before his skull gets to full strength. So much about parenthood the first several years is about survival – from preventing suffocation while sleeping to making sure they don’t walk off a ledge.

The better our boy sleeps and the more he is able to communicate his desires, the more rewarding parenthood has become. Because he is so strong-willed, his temper tantrums are also quite a challenge.

One of my concerns is that he will hurt himself during these temper tantrums by banging his head on something hard or arching his back and hurting himself on the floor. Doctors say temper tantrums peak by around 24 months, subside, and then rise again at around 36 months. Here’s where I need to demonstrate maximum patience as a parent for the next 18 months.

Before my son was born, there was never any whining or crying around the house. But once he arrived, I have heard crying and whining every day, multiple times a day for 20 months in a row. Unfortunately, there is no logical reasoning with a young boy, except to use a technique called “caveman speak” while voicing what we think he wants to calm him down. Adjusting to this new scenario has been hard.

It’s also difficult to write, record a podcast, or mentally relax when there is so much noise. Being able to more easily find a quiet space is one of the benefits of upgrading to a larger house. As a result of needing to find quiet time, I often had to wake up between 4am – 5am to get things done. But I’m proud to say I’ve never lost my temper around my boy.

I’ve still got to improve my patience with my wife and not let business stress or stock market stress hurt our relationship. We operate at different paces, and I need to do a better job slowing down. The whole point of financial independence is to be free from money stress to live your best life.

Given my wife is a full-time mom and absolutely does more of the caregiving, the pressure is on me to make sure our finances never go in reverse. As the stock market melted down in 4Q2018, my stress level definitely increased.

Our goal is to both stay full-time parents for at least our son’s first two years of life and ideally try to be full-time parents for five years before he attends kindergarten. Fatherhood is the hardest thing I’ve ever had to do.

Related: How To Survive The Pressures Of Being A Sole Income Providing Parent

Health & Fitness – 3.2 Stars

I’m the same weight as I was in 2017, which is OK. But I gained 5 lbs in 2017, which was not OK. I need to get down to 162 lbs from 170 lbs. At least I exercised 3X a week on average plus took light walks with my son 5X a week on average. Given my goal is to live until 75, or whenever my son can establish himself and find a life partner, it’s important for me to stay in mental and physical shape.

Luckily, I’ve had no serious injuries or medical mishaps this year. I did catch some flu-like virus that knocked me out for 1.5 days in October, but that was it. We did have our first emergency room visit for my son at 5am because he seemed to have come down with a similar virus I had a month later. We also went to an after-hour care facility for some inflammation. Luckily, things got better after 24 hours.

At 41, I still haven’t sprouted any grey hairs, which is a surprise since I first got several grey hairs at 33, the year before I left my day job. The only reason I can imagine for this phenomenon is that not working a full-time job is less stressful. It’s one thing to say how much better life is after achieving financial independence. It’s another thing for the body to show us.

My most fun physical addition has been joining a softball meetup group that plays every Saturday it doesn’t rain. I must have played over 30 games in 2018. Ah, now I remember sustaining a left knee bone contusion that hurt for six months. My personal highlight was drafting and captaining a 4th of July softball tournament and winning. Curiously, it was one of my most satisfying life moments!

Finally, I found out in December I wasn’t getting bumped down to 4.5 in USTA tennis from 5.0. I did poorly in 5.0 league at the beginning of the year and was hoping to get bumped down after three seasons. When I didn’t, I appealed and got denied.

5.0 level tennis is brutally tough. From an ego perspective, it does feel good to be in the top 1% of all tennis levels. Other players give you respect as you puff out your chest and start thinking you’re the shiznits. But after you start repeatedly getting beaten by players younger than you, it starts to get demoralizing! Therefore, I always try to make fun of myself to others by saying the computers must have malfunctioned to keep me at 5.0.

Business – 4.8 Stars

I could not have tried harder to build Financial Samurai either. Here are some of the accomplishments:

Published three posts a week on average

Published three pages a week on average

Published one newsletter a week on average

Improved my short-form writing skills with the newsletter

Produced over 40 podcasts

Did several podcast interviews on other platforms

Launched the Financial Samurai Forum with 1,300 members thanks to my wife who set everything up over a year

Got mentioned in Business Insider, CNBC, MarketWatch, MSN, Apple News, Forbes, and Yahoo

Updated How To Engineer Your Layoff with a new forward for 2019

Increased overall traffic by 20% YoY, with 50% YoY traffic growth between August 11 – December 27

The 50% YoY traffic surge since August 11 seems like an anomaly. It’s like suddenly turning into a speedboat after being a cruise ship. But traffic has been elevated for almost four months so far, with December being the highest traffic all year. For years, December has always been a quiet month due to the holidays. Perhaps the traffic increase is due to a combination of more production, search algorithm changes by Google, and content syndication.

Overall, I’m just really happy there’s been a correlation with effort and reward. That’s all I’ve ever wanted, hence part of the reason why I left work in 2012. Every year since the birth of Financial Samurai in 2009, Financial Samurai has drastically outperformed the S&P 500 and the San Francisco real estate market. As a result, blogging has surpassed real estate as my favorite asset class to build wealth.

For poops and giggles, here’s another net worth chart if I manually input a business value based on recent comparable sales. The 30% spike is nice, but is also dangerous because it brings a false sense of complacency. It’s best to stay motivated as the economy softens. Just know that creating next level wealth is all about owning growth equity over the long term.

Net worth including market value of business = +30% YoY

Life’s Odds & Ends – 4 Stars

In May, I helped coach my high school boys varsity tennis team to the Northern California Sectional championship. This was the first championship in the school’s entire 40+ year history. This victory was particularly sweet because we had come so close my first year in 2017 only to lose in the finals to a school 3X our size. This was another incredible life moment that had nothing to do with money. I only got paid $3,500 for 3.5 months of work. The relationships I developed with some of the parents were a nice bonus.

My dad came to visit three times and my mom twice. My mother-in-law also visited twice and my father-in-law once. It is always great to see them, and I hope they continue to visit us more often. My dream has always been to have three generations spend as much time together as possible. Unfortunately or fortunately, all our grandparents want to remain independent and live in their respective cities. It’s hard to change the older you get, which is why I’ve been trying so hard to move to Hawaii.

I further strengthened a couple friendships. This is huge because as a stay-at-home dad, it’s often hard to make new friends or deepen friendships. There are simply less social events to attend e.g. happy hour. I love having a good buddy to shoot the shit with. I also developed a new in-person relationship with an FS reader, who also so happens to also be a professional athlete on my favorite team. Pretty neat!

I did some decent home maintenance projects this year: caulked the top of our living room window sill to prevent leaks, varnished all our wood planter boxes, rooted the upstairs sink that was clogging, re-roofed the leaking light well, maintained the yard, and fixed a leaky faucet at my rental. Man, I forgot about all this stuff until my wife reminded me. Thank goodness I sold the other rental.

Finally, we finalized our will and revocable living trust. My wife also led the charge getting us through this cumbersome and complicated process. There were so many documents to gather and questions to ask the estate planning lawyer that she estimates the whole process took her about 40 hours. But after we finally signed all the documents on December 20, I felt a huge sense of relief that I could die knowing that my wife and son wouldn’t have to go through probate court.

2018: 3.8 Out Of 5 Stars

Although I didn’t decide to take it easy per my 2018 goal, I have no regrets staying consistent with Financial Samurai. I don’t think I’ll ever change my work ethic until my body starts breaking down. The joy of writing is so tangible because it is an identifiable product that can be eternally consumed.

It’s been hard to accept no longer making a positive return on my public investments after nine years of up, up, up. I’ve got to do a much better job at not letting financial loss negatively affect my mood and my relationship with my wife. Not taking unnecessary risk will help.

During downturns, I envy those in professions that have nothing to do with the stock market. For example, when I asked my estate planning lawyer about what she thought about the stock market collapse in December, she said she had no idea because she outsources all her financial planning to someone else. What a blessing.

I also have zero regrets being a stay at home dad all year. Yes, the days were long and there were many moments of frustration, but just hearing his squeals of joy made full-time fatherhood worthwhile. All I want to do is squeeze and kiss him 100X a day! I’m so thankful my wife has been an amazing mother and partner all year.

Family and Financial Samurai are my two great loves. Everything else comes in a distant second. There was a point where we thought we’d never have a child. So we say a prayer of thanks every evening. Financial Samurai has been a part of me since the bottom of the last financial crisis in 2009. It’s like an old friend that has stuck with me in the worst of times.

The key is to not let my two loves collide, but to let them be synergistic. My family gives me motivation to write, while Financial Samurai is a creative outlet that helps ensure we remain stay-at-home-parents until we decide otherwise.

There’s always a silver lining to a downturn too.

For Financial Samurai, it’s increased traffic as more people are paying attention to their finances. Book sales on how to negotiate a severance are also increasing as savvy employees are trying to get ahead of the layoff curve. Finally, our passive income has also increased due to higher interests rates and my shift towards higher yielding assets like cash, bonds, and CDs.

For family life, it’s being less tempted to go back to work because the return on effort has declined. When all is in shambles, why bother dealing with a commute, company politics, difficult clients, and a declining company stock price.

I hope if my boy one day reads this article that’ll he’ll be proud of his dad. Although 2018 wasn’t a fantastic year, it was filled with many positive milestones.

I’ll be sharing my 2019 outlook and goals next. In the meantime, I’d love to hear some of your hits and misses for 2018!

Related: The Best Financial Samurai Posts For 2018

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samuelfields · 5 years

Text

Financial Samurai 2018 Year In Review: Almost A Fantastic Year

Although 2018 ended on a down note with the stock market selling off, I feel good about how things unfolded. I’ll take the ratio of three good quarters to one bad quarter any year.

2018 Year In Review

Finances – 3 Out Of 5 Stars

My net worth is roughly made up of:

30% in stocks/bonds = -2%. After writing Your Risk Tolerance Is An Illusion in the Spring, I reduced my stock allocation in my House Sale Fund to roughly 52% from 70%. As bonds began to outperform stocks coupled with further profit taking, my end allocation is roughly 40% stocks / 60% bonds. Owning a bunch of equity structured notes in my other main fund has helped minimize volatility. But clearly I wasn’t defensive enough and should have taken more profits during the summer.

I’m disappointed with my public investment performance. This goes to show that no matter how concerned you are about an asset class or the economy, greed can override logic.

Net Worth Growth

2018 Net Worth = +6.5%

The key is to not lose all your gains to a bear market.

Related: Recommended Net Worth Allocation By Age Or Work Experience

Family & Fatherhood – 4.7 Stars

He is a determined boy

It’s also interesting it takes up to 24 months before a toddler’s fontanel closes. Therefore, we as parents might as well be as diligent as possible in trying to protect his head before his skull gets to full strength. So much about about parenthood the first several years is about survival – from preventing suffocation while sleeping to making sure they don’t walk off a ledge.

The better our boy sleeps and the more he is able to communicate his desires, the more rewarding parenthood has become. Because he is so strong-willed, his temper tantrums are also quite a challenge.

Related: How To Survive The Pressures Of Being A Sole Income Providing Parent

Health & Fitness – 3.2 Stars

At 41, I still haven’t sprouted any grey hairs, which is a surprise since I first got several grey hairs at 33, the year before I left my day job. The only reason I can imagine for this phenomena is that not working a full-time job is less stressful. It’s one thing to say how much better life is after achieving financial independence. It’s another thing for the body to show us.

Business – 4.8 Stars

I could not have tried harder to build Financial Samurai either. Here are some of the accomplishments:

Published three posts a week on average

Published three pages a week on average

Published one newsletter a week on average

Improved my short-form writing skills with the newsletter

Produced over 40 podcasts

Did several podcast interviews on other platforms

Launched the Financial Samurai Forum with 1,300 members thanks to my wife who set everything up over a year

Got mentioned in Business Insider, CNBC, MarketWatch, MSN, Apple News, Forbes, and Yahoo

Updated How To Engineer Your Layoff with a new forward for 2019

Increased overall traffic by 20% YoY, with 50% YoY traffic growth between August 11 – December 27

Net worth including market value of business = +30% YoY

Life’s Odds & Ends – 4 Stars

2018: 3.8 Out Of 5 Stars

Family and Financial Samurai are my two great loves. Everything comes a distant second. There was a point where we thought we’d never have a child. So we say a prayer of thanks every evening. Financial Samurai has been a part of me since the bottom of the last financial crisis in 2009. It’s like an old friend that has stuck with me in the worst of times.

There’s always a silver lining to a downturn too.

I hope if my boy one day reads this article that’ll he’ll be proud of his dad. Although 2018 wasn’t a fantastic year, it was filled with many positive milestones.

I’ll be sharing my 2019 outlook and goals next. In the meantime, I’d love to hear some of your hits and misses for 2018!

Related: The Best Financial Samurai Posts For 2018

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mcjoelcain · 5 years

Text

Financial Samurai 2018 Year In Review: Almost A Fantastic Year

Although 2018 ended on a down note with the stock market selling off, I feel good about how things unfolded. I’ll take the ratio of three good quarters to one bad quarter any year.

2018 Year In Review

Finances – 3 Out Of 5 Stars

My net worth is roughly made up of:

30% in stocks/bonds = -1.5%. After writing Your Risk Tolerance Is An Illusion in the Spring, I reduced my stock allocation in my House Sale Fund to roughly 52% from 70%. As bonds began to outperform stocks coupled with further profit taking, my end allocation is roughly 40% stocks / 60% bonds. Owning a bunch of equity structured notes in my other main fund has helped minimize volatility. But clearly I wasn’t defensive enough and should have taken more profits during the summer.

My House Sale Fund portfolio was up around 13% at one point until I gave all the gains up in the 4th quarter. Right now, it’s holding onto a tenuous 0.6% gain, excluding the huge rally on Dec 26. Overall, my public investment portfolio is slightly down, which violates my rule of never losing money post retirement.

House Sale Fund Portfolio went from +13% to just +0.6%

I’m disappointed with my public investment portfolio performance. This goes to show that no matter how concerned you are about an asset class or the economy, greed can override logic.

Net Worth Growth

2018 Net Worth = +6.5%

The key is to not lose all your gains to a bear market.

Related: Recommended Net Worth Allocation By Age Or Work Experience

Family & Fatherhood – 4.7 Stars

He is a determined boy

It’s also interesting it takes up to 24 months before a toddler’s fontanel closes. Therefore, we as parents might as well be as diligent as possible in trying to protect his head before his skull gets to full strength. So much about about parenthood the first several years is about survival – from preventing suffocation while sleeping to making sure they don’t walk off a ledge.

The better our boy sleeps and the more he is able to communicate his desires, the more rewarding parenthood has become. Because he is so strong-willed, his temper tantrums are also quite a challenge.

Related: How To Survive The Pressures Of Being A Sole Income Providing Parent

Health & Fitness – 3.2 Stars

At 41, I still haven’t sprouted any grey hairs, which is a surprise since I first got several grey hairs at 33, the year before I left my day job. The only reason I can imagine for this phenomena is that not working a full-time job is less stressful. It’s one thing to say how much better life is after achieving financial independence. It’s another thing for the body to show us.

Business – 4.8 Stars

I could not have tried harder to build Financial Samurai either. Here are some of the accomplishments:

Published three posts a week on average

Published three pages a week on average

Published one newsletter a week on average

Improved my short-form writing skills with the newsletter

Produced over 50 podcasts

Did several podcast interviews on other platforms

Launched the Financial Samurai Forum with 1,300 members thanks to my wife who set everything up over a year

Got mentioned in Business Insider, CNBC, MarketWatch, MSN, Apple News, Forbes, and Yahoo

Updated How To Engineer Your Layoff with a new forward

Increased overall traffic by 20% YoY, with 50% YoY traffic growth between August 11 – December 27

Net worth including market value of business = +30% YoY

Life’s Odds & Ends – 4 Stars

2018: 3.8 Out Of 5 Stars

There’s always a silver lining to a downturn too.

I hope if my boy one day reads this article that’ll he’ll be proud of his dad. Although 2018 wasn’t a fantastic year, it was filled with many positive milestones.

I’ll be sharing my 2019 outlook and goals next. In the meantime, I’d love to hear some of your hits and misses for 2018!

Related: The Best Financial Samurai Posts For 2018

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wayneooverton · 6 years

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Help Protect Florida’s Goliath Groupers

Goliath groupers will be on the agenda on Thursday April 26th, starting at 8:30 am, at the Marriott Fort Lauderdale North. You can view the entire agenda for this two-day Florida Wildlife Commission (FWC) meeting here.

There will be an opportunity for public input from those attending this FWC meeting following FWC’s staff report to the FWC commissioners. Standard practice generally allows each speaker two to three minutes to voice their concerns on the subject, in this case, reopening a fishing season on Florida’s iconic goliath groupers.

Why this meeting is taking place

Management philosophies among Florida stakeholders (resident fishermen, divers, etc. in Florida) for goliath grouper are highly divergent, ranging from a no-take perspective for the preservation of the fish for ecotourism at one end, to a strong desire to reopen them to fishing due to the belief that their numbers have more than recovered and they are now a “nuisance species.”

Currently the FWC is looking into two management options:

a. Keep everything status quo — the fish retains all protected measures that have been in place since 1990.

b. Open the fish to a limited harvest (primarily in state waters) to recreational fishing groups.

Currently, the FWC is attempting to entertain the latter (b) on the contention that opening the fish up to a limited harvest will create a “unique fishing opportunity.”

FWC is proposing that a limited harvest would be handled through a random drawing for approximately 100 kill tags. The actual fee for each individual tag is still undetermined but the maximum amount that could be collected is capped at USD $300.

Should this limited harvest happen implemented, the FWC’s proposed slot size (the size range that would permissible for retention) is between 47 and 67 inches (essentially 4 feet to 5.5 feet max.).

So, what could possibly go wrong in letting the FWC carry this out?

Potential problems with opening even a limited season

Let’s begin with the proposed slot size. Fish in the upper end of the size range proposed by the FWC are fish that have begun moving out of the intra-coastal waters to join breeding age fish on offshore reefs and wrecks.

Goliaths spend the first five to six years of their life in intracoastal estuarine habitats. By the time they are ready to move offshore and populate coastal reefs and wrecks they are approximately four feet long. Although they still have a few more years of growing before they too come to age to breed (peak fecundity is 12 to 15 years of age for these fish) they are already commonly embedded with the adult population in the 5.6 to 6.5 feet plus range, tipping the scales between 250 and 500 pounds. Hence, generally that means in order for anyone to find and catch a fish in the slot-size range proposed by the FWC they will likely capture of larger breeding age adults.

Pulling fish up from wrecks and reefs in the 80-foot plus range will likely result in grievous injury (even to the point of fatal) to those fish. What is not included is the likelihood for additional mortality due to the fish being brought to surface too quickly, causing internal damage and improper handling of the fish as it is being landed. There is also the potential for an exponential rise in poaching activity as it will be harder for the FWC, with their limited resources in law enforcement, to track and clarify which fish was or was not landed legally.

The black bear hunt as precedent

If you think this couldn’t happen, look back to Florida’s 2015 controversial black bear hunt.

Originally, the season was planned to last one full week with a limit on adult bears take at no more than 320 individuals. Instead, the limited hunting season was abruptly stopped (Sunday, Oct. 29, 2015) just two days into a season, because the total number of bears killed by hunters had already reached 298 black bears. Hunters killed not only adults, but a large number of teenage bears as well as cubs.

In a Washington Post op-ed, the newspaper cited that the Florida chapter director of Humane Society of the United States wrote that the FWC’s reasoning for the bear hunt “ignores science,” noting that black bears were listed on Florida’s Endangered and Threatened Species List as recently as 2012. A state judge who denied an injunction to stop the hunt agreed that much of the science that FWC was using to justify it was weak. Remember this last point when you read further down.

The bottom line: wildlife management by politics instead of biology and scientific data does not work.

The heavy-metal problem

The most recent study published in the MARFIN project final report for NOAA on regional age structure, reproductive biology and tropical patterns of adult goliath grouper in Florida, using data provided by the FSU fish biological department, found levels of methylmercury in adult goliath groupers that were frightening to say the least.

Part of FSU doctoral student Chris Malinowski’s work on the presence of mercury in goliath groupers found MMHg concentrations in the muscle tissues (filet portion) among the younger fish in the 4.5 to 5.2-foot range averaged 1.5 ppm, with maximum figures as high as 2.6 ppm. More disturbing, older fish in the 6 to 7-foot-plus size class, concentrations were as high as 4.5 ppm. Read the article explaining mercury poisoning here.

The US Food and Drug Administration’s “action level” (which the FDA may prohibit sale of fish) is 1.0 ppm. In comparison, the EPA draws their red line for consumption at 0.3 ppm. The Natural Resources Defense Council (NRDC) draws their line at 0.5 ppm. This is considered a very high” threshold for human consumption.

The FWC’s own fishery management staff know all this, but are still allowing the commissioners to push an agenda that the data does not support.

Where does this fish’s true economic value lie?

Right now, the proposal for a limited harvest would entail no more than 100 individual fish taken at cost of up to $300 per fish to the fisherman for the kill tag.

This would yield the state $30,000.

Compare that to a dive charter, which can fill a boat with divers specifically to see goliaths, particularly during their spawning season from late July to early October. This renders far more revenue for the state. In addition to a $1,200 to $1,500-plus payday for every day that a boat goes out, most of that is in charter fees between $75.00 and $90.00 a pop. Divers rent gear, stay in hotels, eat at restaurants, and rent cars. One 15-passenger dive charter running 30 days consecutively can make over $35,000.

Note that September is “goliath grouper month” in Palm Beach County and the image of a goliath with a diver transfixed on it is, as of 2017, the new logo for Palm Beach County Artificial Reef Program.

The blame game

The call to action for reopening the fish for harvest revolves around the belief that the goliath groupers are eating all the legal-size grouper, snapper and lobster. The key word there is “legal size.”

Where have all the legal-size grouper, snapper, hogfish and lobster gone? Best look to the right and left at everyone in the room, as well as in the mirror.

Who is eating all the lobster?

Depending on location, the two-day sport season allows six or 12 lobsters per person, per day. Not that everyone adheres to the rule. In the 2015/2016 season, the FWC issued approximately 155,000 recreational-lobster permits, resulting in approximately 1.5 million pounds of lobster harvested in Florida waters by the end of the 2016 season.

Ethical value

We’ve all heard that “they are beautiful, majestic creatures that should not be hunted” from those opposed to lifting the protective measures for these fish. I caution the use of those words to illustrate your stand on goliath grouper — you’ll lose the attention of every commissioner in the room as they’ve heard that comment from many an environmentalist before. The fact is that grouper stocks all around the planet are falling. At present, there are few healthy spawning grounds left for any species of grouper.

Conservation status of the goliath

Currently, the organization International Union for Conservation of Nature (IUCN) has the Atlantic goliath grouper (Epinephelus itajara) on the Red List of threatened species as Critically Endangered.

Outside of Florida, the number of documented spawning aggregation sites for all six species of giant grouper in the genius Epinephelus — showing any signs of activity — can be counted on one hand with more than couple fingers left over.

The IUCN Red List currently lists the Pacific giant grouper (Epinephelus lanceolatus), the closet kin to the Atlantic and Eastern Pacific goliath, as Vulnerable. Martin Russell is the assistant director with the department of the environment, Parks Australia, tasked with managing the Coral Sea and North Australia Commonwealth marine reserves. Although Australia places the giant grouper under complete protected status like our own goliath grouper was some 11 years ago, there still remains not a single sign of the fish making any kind of measurable comeback. It took more than 15 years (1990 to 2015) before we began experiencing a favorable sign of this fish coming back in U.S. waters.

Outside of Florida, the only known spots with even a handful of adult goliath groupers left are in Cuba’s Garden of the Queen marine preserve and a few isolated spots in Brazil. These are still subjected to illegal fishing activity.

Consider how special it is, then, to see a dozen or more grouper together in one location. These spawning aggregations are becoming unique to Florida waters. And as such, a new high-ticket tourist attraction. And they’re worth protecting. Please make your voice heard in writing or in person at the upcoming FWC meeting.

By guest author Walt Stearns

To get involved or attend the meeting, contact author Walt Stearns.

The post Help Protect Florida’s Goliath Groupers appeared first on Scuba Diver Life.

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hudsonespie · 6 years

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Financial Planning: Long Term Capital Gain (LTCG) Tax And Life After That

(This article is specific to financial regulations of India. However, the basics remain the same across different countries.)

There was a very irritating message on the social network regarding Income tax anomaly- it has been doing the rounds for last 3 years at least. Some people may not have liked my calling that post about Income Tax as Trash.

But the fact remains that in this age of free opinion, it is becoming difficult to see some good ideas or opinions and even less, good creative writing.

Sometimes bare facts stare at us in the face and we fail to see or recognise them.

Almost since 5 years ago, I was talking about the impending Capital gains tax on equities, simply because the deal was too sweet. Even though I was benefiting enormously out of the LTCG exemption, I was quite aghast at the difference in the tax treatment between the Small Savings which were ACTUALLY being used for Nation building and Stocks +Mutual Funds.

For a moment if you pause and think, how exactly and whom exactly is the Stock Market benefiting?

I purposely put a Question Mark to the above. Apart from broadly spreading the awareness about the country’s Stock Index so that the foreigners come and invest in it and also the country- what is the exact benefit to the country?

When a company’s stock price zooms up, who benefits?

The company!

It benefits in the sense that it becomes highlighted and recognized and more people start investing in it and the share price zooms even higher. Now the company does some trading in its own shares to earn that extra profit. It also uses its enhanced Market Capitalization (which has gone up due to the higher share price) to secure some loans at attractive interests to further expand.

Now in this entire process, investors like you and me and the Mutual Fund Managers (on our behalf) make money by buying and selling the shares of these companies.

That is all that a Stock Market serves a person in nation-building.

The backbone of the economy, on the other hand, is the – Debt market.

Whether you deposit money in FDs, Debt funds or Post Office schemes. All the money is diverted to the Debt stream for the Government and the Corporate world.

The Corporate uses it to enhance its operations and the Government uses it to do development in the country.

All the NPAs that you hear about are part of this DEBT world.

As you can also find out from the eternal and omnipotent internet; the size of the Debt market is any day much much bigger than Equity.

Now let’s consider the fact that how much of your savings are in the Debt. Include all your Bank accounts, FD, Debt Mutual funds, Post Office schemes; Gold Bonds & ETFs.

Further, consider that since 2014 you are actually paying Capital Gains on the Debt funds.

If you are following my style of investment, your majority of the funds are parked in Liquid Funds while you are doing STP into equity funds.

Which means for every transaction you are having a Capital Gain and that too SHORT TERM; and if you are an NRI then the Capital Gains is being deducted AT SOURCE i.e. TDS.

Now tell me how much noise did you or anyone in the country make while paying the Capital Gains or Tax (on FDs).

As regarding LTCG on Equity which has been levied on 1st Feb 2018 but will come into force from 1st April 2018– you will not incur this tax unless you sell.

Which means that since this is your COLLECTION phase of wealth- you don’t have to worry.

So who is making the noise about the ELTCG (or Equity Long Term Capital Gains)?

Naturally, it is the Big Ticket investors and PMS holders and operators and traders who are making a noise because they sell often. They are the ones who provide the volatility and uncertainty to the market.

But no-one noticed that up to 11 months and 364 days of holding, you were already paying 15% as STCG (Short-term Capital Gains tax).

So you see most of the times – news is misleading, it’s eyewash.

Not one person asked the basic question, which is applicable to over 520 investors who move with me.

Will the MF managers pay LTCG separately on their Sale Purchase of shares and we will again pay LTCG when we sell our MF units?

Isn’t that the more relevant question?

The idea of this article is that instead of reading other people’s forwarded views, please read things in original and think originally.

As my Guru, A N Shanbagh had told me often; never consider yourself less than any professional in any field. As a fresher starting with no pre-conceived notions will probably lead you to better discoveries than a professional whose livelihood depends on it.

Fair enough, with my own thinking and conviction I have charted my Nirvana and helping few others to achieve theirs.

Always be future Proof: By thinking originally in your own mind’s eye, always weigh the possibilities objectively; and howsoever they may seem improbable or impossible don’t discount them; but prepare for them well in advance.

I had taken LTCG into my account of things almost 5 years back- and had told you in every seminar- that as of now you are having this advantage; when the rule changes- we will see.

Well now the rules have changed- so we take that into account – and move forward.

Instead of posting on social media and creating unnecessary debate I have sent the following suggestion to PMO.

In addition to the LTCG of 10% after 1 year; please consider modifying the law as follows: LTCG is reduced to 0.7% after 2 years of holding, it is further reduced to 0.3% after 3 years of holding and ZERO after 4 years of holding.

This step if accepted by the FM will provide stability to the market and give the advantage to the true investor and weed out short-term opportunity seekers.

In a similar way, I look forward to some creative ideas from you.

On a parting note, I wish to leave you with an unsettling feeling. Please prepare for the Government doing away with the Tax exemption for NRIs within next 5 years.

Now don’t tell me that it will never be done. You already know my viewpoints about governments of the world.

Note: It is difficult to track things in a single country like India which is so huge and complex. To say that I can advise you for all the countries, whose readers are reading these articles- would be a big lie. I am not acting as your financial advisor. Due to my exposure to different geographical conditions, I have found these products which can be used by us –the hapless Seafarers. The names and methodology of these products may differ from country to country.

Hence my earnest request to you is to please use the power of the internet and find out these products in your country. They are common products and mostly available all over the world. If you find they are named differently in your country, please inform me in the comments that you are so kindly making. It will help us to spread awareness and enhance your own knowledge about your future planning.

Disclaimer: The authors’ views expressed in this article do not necessarily reflect the views of Marine Insight. Data and charts, if used, in the article have been sourced from available information and have not been authenticated by any statutory authority. The author and Marine Insight do not claim it to be accurate nor accept any responsibility for the same. The views constitute only the opinions and do not constitute any guidelines or recommendation on any course of action to be followed by the reader.

The article or images cannot be reproduced, copied, shared or used in any form without the permission of the author and Marine Insight.

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