#this post is so short because its sole purpose is as a vehicle to share this fussy little family portrait <3< /div>
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Happy Thanksgiving! As orphans from small families, Colin and I have never had the blessing of large family holidays, but this year we were intentional about building our community. We hosted a number of church families new to our area for dinner, including a young couple hailing from Selvadorada! It was such a blessing to see and hear the joy and gratitude that filled our home. Every year it seems like the list of things I'm grateful for grows longer and today was no exception. Thank you, Lord, for my loving husband, beautiful children, comfortable home and full belly! 🦃
#this post is so short because its sole purpose is as a vehicle to share this fussy little family portrait <3#sophia wagner#colin wagner#charlotte wagner#sadie wagner#colin wagner jr.#holiday#portrait#wagner family#wagners#gen1#fundie sims#quiverfull sims#homeschool sims#modest sims#ts4#sims 4
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Jurassic World Camp Cretaceous Season 3 Easter Eggs and References
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This article contains spoilers for Jurassic World Camp Cretaceous Season 3.
The third season of the Netflix and DreamWorks animated series Jurassic World Camp Cretaceous pits the teenaged main characters against the Scorpius rex, a hybrid dinosaur like nothing they’ve ever dealt with before. They successfully defeat her, while simultaneously thwarting an attempt by Dr. Henry Wu to retrieve his research on the hybrids and dealing with the emotional impact of leaving their new found family.
This season has a good amount of references to the rest of the franchise, like we have come to expect from the show, and in the final seconds teases the possibility of a fourth season. Here are some notable Easter eggs and other references to the Jurassic World and Jurassic Park canon.
The Helicopter
In Camp Cretaceous season 1, which took place concurrently with Jurassic World, we saw Simon Masrani’s helicopter crash into the aviary from the point of view of our camp fam, instead of Owen Grady and Claire Dearing (Chris Pratt and Bryce Dallas Howard) as shown in the movie. Season three of Camp Cretaceous continues to show us events from the movies from another perspective, as the story overlaps with the beginning of Fallen Kingdom.
Yes, it’s been six months since the Jurassic World incident stranded our group of teenagers on the island, as we find out from the pilot of one of the helicopters that arrive near the end of the season. Unfortunately, they aren’t the rescue team the kids have been hoping for. They’ve come to find the remains of the Indominus rex and extract DNA.
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Camp Cretaceous Reveals the Real Monsters of Jurassic World
By Jennifer Lee Rossman
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Jurassic World Camp Cretaceous Season 2 Ending Explained
By Jennifer Lee Rossman
In one harrowing scene, Rexy the Tyrannosaurus pursues a man dangling from one of the helicopters. He gets away, but his relief is short-lived when the park mosasaur leaps out of the water and devours him. If that scene gives you a sense of déjà vu, that’s because it takes place in the opening minutes of Fallen Kingdom, only this time we get to see it from the perspective of Darius, Brooklynn, and Yaz. Even though we didn’t see them in the movie, these kids were never far from the action. (And may have even caused it in this particular instance; Rexy was only in that area because she had been chasing after the kids.)
While that may be the most obvious connection to the timeline of the movies, the rest of the season has its fair share of references and homages.
Scorpius rex
Last season, the kids discovered a mysterious experiment known only as E750, which escaped her cryogenic chamber during the cliffhanger finale. This season, we get to meet her: Scorpius rex, an unstable and unpredictable hybrid made by none other than Dr. Henry Wu (played by BD Wong in the movies and voiced by Greg Chun in Camp Cretaceous).
She’s big, she’s bad, she’s covered in poisonous spikes, and she may be the most dangerous dinosaur on the island. Oh, and did I mention she can reproduce asexually?
Just like in Jurassic Park, when it is revealed that the dinosaurs can change their sex thanks to the frog DNA the scientists used to fill in the sequence gaps, our terrifying tree climbing friend Scorpius has developed the ability to produce offspring all on her own. (You go, girl. You’re a modern woman, you can juggle being a single mother and having a career screwing up ecosystems!)
Blue
Dr. Wu isn’t the only character from the movies who makes an appearance in this season of Camp Cretaceous. Blue, the sole member of the Velociraptor pack to survive the Jurassic World incident, crosses paths with the kids a few times.
Blue previously battled the Indominus rex in Jurassic World, and later takes on the Indoraptor near the end of Fallen Kingdom, but it turns out those weren’t her only experiences fighting hybrid dinosaurs. While I wouldn’t say she and the campers necessarily trust one another, Darius does save her life when she becomes trapped under a vehicle, and there is an uneasy alliance after that. Sort of an “enemy of my enemy” situation, with them having a similar goal to defeat the Scorpius rexes. (Scorpiuses rex?)
It would also appear that Blue and the other raptors, along with their trainer Owen Grady (Chris Pratt), might have been a little bit famous before the fall of the park, at least in dinosaur nerd circles. How else would Darius know how to mimic the nonverbal signals used by Owen to communicate with the raptors?
The Kitchen
While trying to get a compass back from the Compsognathus that stole it, the kids stumble upon the original Jurassic Park, which is rumored to be either haunted or cursed by the spirit of John Hammond (Richard Attenborough). And of course, no visit to Jurassic Park is complete without a trip to the visitor center. Nature has taken over the iconic building where we first met Mr. DNA, and where the first of many dramatic showdowns between Tyrannosaurus and Velociraptor marked the dénouement of the first film. Ferns and vines have turned the center into something resembling a greenhouse, and the Compies have built nests on old scaffolding and near the atrium ceiling.
And then, of course, there’s the kitchen.
When one of the Scorpius girls follows the kids into the visitor center’s kitchen, you can’t help but be reminded of Tim and Lex (Joseph Mazzello and Ariana Richards) hiding from the raptors in the first Jurassic Park movie. References to that scene abound, most noticeably the dinosaur’s breath fogging up the round window in the door, but this isn’t just an Easter egg hunt. Rather, the scene parallels the original to show the differences between the clever raptors and the… not so clever Scorpius.
The original raptors are careful, methodical, as they stalk John Hammond’s grandchildren through the kitchen. They move with a purpose that shows us just how intelligent they are.
Scorpius Rex, on the other hand, can’t open the door handle and chooses instead to just bash through it like the chaotic neutral she is. Less of an apex predator and more of a panicking cat with a balloon static electricity’d to her butt, Scorpius is still dangerous, perhaps even more so because she is unpredictable.
At the end of the scene, in one final blink and you’ll miss it nod to the original, an instantly recognizable soup ladle is one of several kitchen utensils sent flying through the air. The season ends with most of the storylines wrapped up and the kids seemingly on their way to safety on a boat headed for Costa Rica. Except… remember the door handle in the kitchen? Turns out, boats have the same handles, and one of them is jiggling in that distinctive raptor way.
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Do we have a stowaway? We’ll find out if we get a fourth season.
Jurassic World Camp Cretaceous season 3 is available to stream on Netflix now.
The post Jurassic World Camp Cretaceous Season 3 Easter Eggs and References appeared first on Den of Geek.
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Rajasthan's renowned 'Hariprem Films' headed by 'Nitin Samadhiya' presents a plethora of royal symphony to India.
New Post has been published on https://bollywoodpapa.com/284985/rajasthans-renowned-hariprem-films-headed-by-nitin-samadhiya-presents-a-plethora-of-royal-symphony-to-india/
Rajasthan's renowned 'Hariprem Films' headed by 'Nitin Samadhiya' presents a plethora of royal symphony to India.
Rajasthan’s renowned ‘Hariprem Films’ headed by ‘Nitin Samadhiya’ presents a plethora of royal symphony to India.
‘Hariprem Films’ presents Rajasthani folk music video ‘Vidaai’ by Swaroop Khan. It’s all about daughters first love – Father! Hariprem Films presents a Rajasthani folk song ‘Vidaai’, it embarks on a fascinating journey of story-telling that focuses on the special bond shared by fathers and daughters. Having charmed audiences across India with their previous tracks, especially those featuring the vocals of music industry heavyweights, they now intend to push the bar further with the alluring vocal textures of popular Rajasthani playback singer, Swaroop Khan, known for his work in films like Aamir Khan’s PK and Sanjay Leela Bhansali’s Padmaavat. Interestingly, apart from singing, Swaroop Khan has also written and produced the track.
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“This song is close to me and can be considered as part of me. As every girl child is the heart and soul of parents, Vidaai is a part of my heart and soul now. I’ve written, sung and composed this song by pouring my heart and soul at every stage of the song. I’ve seen quite a lot of Vidaai rituals in Rajasthan like everyone else, I’ve noticed girls feel sad at the time of their marriage. They feel that they’re not a part of their own family; however, that is not true. I’ve tried to send a message through the song that girl is an integral part of the family and they’re treated with the same level and respect as boys. It’s a strong message that I’ve tried to convey through the song. I’m thankful to Hariprem films as during pandemic, it’s hard to work during this period. Mr Nitin Samadhiya and his team are great, they followed all the protocols and guidelines of COVID-19 during the shoot. We had a lot of fun shooting and at the same time, we were emotional as well because of the nature of the song. The team loved ‘Vidaai’ song very much. I appreciate everything that has been done at Hariprem films and I’m looking forward to work with the team in future for many songs.” says Singer Swaroop Khan.
Vidaai features the use of indigenous Rajasthani instruments with the sole purpose of creating an enchanting atmosphere around listeners. In fact, these historic instruments are the perfect vehicle to feel the intensity of the song’s message and celebrate the love-filled relationship between father and daughter.
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“Since last year, we wanted to work with Swaroop Khan because of his voice and folk genre. We discussed this with him and decided to make a song that will connect with the audience soul. Swaroop came up with this lovely song ‘Vidaai’ which describes the raw emotions between fathers and daughters. We planned the shoot with all safety precautions and safety measures. We wanted Swaroop Khan in the video so we adjusted the storyline accordingly. As a person, Swaroop is such an amazing, humble, and down to earth person. Working with him was a great experience and hence we would love to work with him again in future.”, says Mr Nitin Samadhiya (MD CEO of Hariprem Films)
The music video features heart-touching performances by a stellar cast that includes Aaradhya Rao (Winner of Eva Miss India), Kunal Acharya (Udaipur’s model and lifestyle/fashion blogger) and Anil Bhagwat (Viceroy’s House web series fame). With top-notch production values and the directorial prowess of Hariprem’s CEO, Nitin Samadhiya (nominee at the Zee Sagarika Music Awards), Vidaai boasts an outstanding team of professionals consisting of co-director Ankit Chatterjee, concept by Vishal Nahar, cinematography by Ankit Chauhan and edited by Aman Singh. Supporting production credits include Mahendra Samadhiya, Rani Samadhiya, Prasun Kansara and Aastha Bhatt.
Nitin Samadhiya, the MD and CEO of ‘Hariprem Films’ is blessed to encourage artistic music. In twelve short years, his passion for film arts and crafts has paid off well. Samadhiya has been nominated for Best Sound Engineer at the ZEE Sagarika Music Awards for the album ‘Kanherichi Phule’. Incidentally, Samdhiya’s sound engineering skills have also landed him in the Limca Book of Records. Since its inception in 2008, Hariprem Films has expanded its portfolio to include prestigious projects for the Shiv Sena and the Government of Rajasthan. It has worked with over 200 of the top conglomerates from India and the world over while handling commercial advertising and marketing accounts of respected Rajasthani brands. Most recently, their 2021 release ‘Badhta Ja’ with Shankar Mahadevan, a motivational song composed by Kiran Kumar Bhatt and arranged and recorded by Tejas Chavan and Samadhiya himself, opened to rave reviews by audiences. In fact, Hariprem’s YouTube channel boasts a whopping 17 million audience views!
Website: https://www.haripremfilms.com/ Channel: https://youtu.be/qGXY6JIEWEA
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On the Slow Collapse of Season 15′s Narrative
or, Anne’s Big Fat RvB15 Meta Post
Strap in, pals, this is gonna be a long one.
Let’s get the disclaimers out of the way first! These are, as always, my personal and subjective opinions. Some of these opinions are critical. If you are not interested in hearing any criticism of Red vs. Blue, you should probably just stop reading here. If you loved season 15 and feel it was without flaw, I am happy for you and I’m not trying to ruin your day. If you think this is going to upset you, this is your chance to be on your way. That said, I’m always up for friendly discussion and you are welcome to disagree with me as long as you’re civil and come prepared to defend your assertions.
Needless to say, this post contains spoilers for the entire season.
I also need to give the biggest shout-out to @tuckerfuckingdidit--it is impossible to quantify how much meta we’ve shot back and forth during the season, how many concepts I’ve talked through with her and how much those conversations have fed my inspiration and my desire to actually get this beast completed, so my hugest thanks to red for going deep into RvB with me and generally being an awesome pal. <3
Red vs. Blue’s season 15 starts off very strong. In fact, in my opinion the first five episodes are the strongest in the season, and with that setup, I found myself taking a very optimistic view of the season even as the cracks in the writing began to show later on. I still enjoyed watching, and withheld an overall judgment until the season was complete. Now that it is, I’ve had the chance to rewatch it start to finish and think about the progression of this season as a whole, as a complete narrative arc.
What I want to explore here is this: where, why, and how does season 15 go off the rails? Why is the writing so much weaker in the back half, where does the narrative fall apart, and perhaps most importantly to me as a writer, how could some of these problems have been avoided?
Season 15’s narrative has some problems. One thing that’s interesting to me is that they’re different problems than we’ve seen before with this series, particularly in the last two major arcs, the Chorus Trilogy and Project Freelancer. Both of those arcs suffer from pacing issues in their first season that put a tremendous amount of pressure on their ending season to hammer through necessary plot points and tie up loose ends. In Freelancer, this is a problem of putting all the focus on animated fight sequences and putting almost no exposition in season 9, making season 10 a messy and rushed string of poorly-planted payoffs and numerous continuity issues. In the Chorus Trilogy, the plot effectively doesn’t arrive until the end of the first season, which results in a third season that could easily be two, and ends up dropping some compelling plot threads without resolution. I would put forth that the closing season of both arcs is technically the strongest, but mostly because there’s no time left to meander and the plot has no choice but to move.
By contrast, season 15 starts out extremely well-paced, which gave me high hopes for what it would deliver later. What could be considered the first act of season 15, the first five episodes, are very tightly-written, and it’s not until the second act that the cracks start to show. You could easily argue that this is simply because season 15 is a one-season arc; there’s no time for a meandering first act, so the season needs to open strong, and that may well be true. But this doesn’t explain why the narrative begins to weaken in the second act, why certain plot points feel a bit forced, and why the climax itself lacks tension.
Hitting the Ground Running
I love episode 1. I love it. As a cold open to a brand new story arc with brand new characters, it’s fantastic. The dialogue is quick, witty, and engaging. Characters with under two minutes of screentime capture my heart instantly. The theme of “Every action has an equal and opposite reaction” is introduced through an apparently-insignificant piece of dialogue. Our villains are introduced, shrouded in mystery, their disparate weapons subtly highlighted for the audience to begin unpacking immediately. Though we do not yet know whether we’ve seen our Reds and Blues, they are a constant topic of conversation, reassuring viewers that this story is very much centered around our old favorites.
Dylan Andrews’ reporting serves as a vehicle for exposition that doesn’t feel shoehorned; her conversation with Carlos is also informative as well as highly entertaining. Her creative thinking and tenacity for a story make her an instant favorite.
Honestly, it’s a near-flawless premier. Tightly-written, surprising, engaging, with a balance of humor and drama, it sets the tone for a very promising story.
Dylan herself is a strong character. She’s highly motivated--just enough to be flawed, not enough to be unsympathetic. She serves as a very effective audience proxy, hunting down the plot and letting us see it unfold through her eyes, while at the same time getting a solid amount of characterization in her own right. “The Chronicle” shows her professionalism but also her low tolerance for bullshit and occasionally short temper; “Mother of Destruction” establishes her adeptness in combat situations; “Chorus Lessons” shows that her tenacity for a story may turn unscrupulous in a pinch.
The next three episodes follow Dylan as she attempts to track down the Reds and Blues, and the fifth relates their adventures between the end of the Chorus trilogy and the present day. I wrote early on about these episodes being good television, in that each one functions well as a mini-arc in which our POV character has a problem to solve, and solves it via some creative solution, leading into the next episode’s problem, all of which chain together effectively to further the main arc. Everything I said in that post is still true and I stand behind it. Those episodes are tightly-written, well-paced, and compelling. Each small reveal is really Dylan giving voice to what the audience is already figuring out, and that makes the audience feel both engaged and satisfied.
“Previously On” isn’t a perfect episode, but in terms of character writing, it contains some of my favorite in this season, biases fully acknowledged--I love the development Carolina gets as she’s finally allowed to interact directly with the Reds and Blues and show that she’s a part of the family, rather than just saying so. “Reacts,” the episode that follows, stays relatively strong as well, with a serious twist of character development for Grif and solid relationship development for Wash and Tucker.
This is as good a point as any to mention that this season hasn’t been without its share of cringey jokes, and those early episodes are no exception (“bi phase,” the whole Temple of Procreation business, and the Grimmons, oh the Grimmons, we’ll get to you eventually), but as they’ve all been pretty thoroughly discussed and deconstructed during the season, I’m not going to focus heavily on them here. That’s not to say they don’t matter. But for the purposes of this post, I’m primarily concerned with the structural issues of season 15--the things that really can only be examined effectively in big-picture mode.
Those early episode aren’t without hiccups in character writing either--Andersmith’s writing in “Chorus Lessons” is more baffling than anything, and the goofiness of his lines would make much more sense coming from a character like Palomo. But that scene is only a cameo, and as such, it doesn’t ramify very far and it doesn’t distract from the simply flawless execution of Dr. Grey or the pleasure of seeing Kimball in her new role as President.
Plot-wise, the single major flaw in these first five episodes is the introduction of the red herring that comes to a head in episode 7.
The Red Herring
The pattern of tightly self-contained episodes continues through episode 7, “Nightmare on Planet Evil.” It’s tonally a bit different from the rest of the season, but it works well enough.
There’s good character writing here. Caboose’s faith in Church’s eventual return, Simmons’ fixating on Grif while trying not to, Tucker’s protectiveness of his friends, Sarge’s paranoia.
Then we get… this guy.
Things that were completely unnecessary in Season 15:
Spencer Porkinsenson
This character was introduced five episodes ago. His presence has been looming for a solid quarter of the season.
And he means nothing.
I can come up with better “You’ve been served,” jokes that don’t exist solely to reflect poorly on Tucker, but it seems pointless because there’s no reason for Spencer to exist at all. There’s no need to mirror Locus’s looming presence in season 11 just for a fakeout. There’s no need to have him save Dylan and Jax in “Mother of Destruction”--we know Dylan is no stranger to working in combat zones, let her figure out a clever way to sneak them back to the ship. Jax can just as easily serve as the sounding board for Dylan’s explanation as to why the Blues and Reds are imposters. “Planet Evil” could instead expand on the hint dropped with Sarge and his ominous “reflection” in the window, suggesting that the Reds and Blues are being tailed by their doppelgangers.
There’s plenty of ways this could’ve gone. But Spencer is a wasted build of tension that doesn’t pay off for the plot. He doesn’t even have any follow-up appearances in this season, making him a completely meaningless misdirection.
This is the first sign of the plot shooting itself in the foot. In hindsight, it really is the beginning of the downturn.
A Fistful of Retcons
Episode 8 is where the main plot starts to fall apart.
The Blues and Reds (henceforth, B&R) being carbon copies of the Reds and Blues, then later turning out to be a prototype of sorts, really doesn’t hold up to much scrutiny. And it could have held up better, with a few small changes. Surge shouldn’t be a Colonel. Lorenzo shouldn’t exist, since the robot kit was a nonstandard issue given to Blood Gulch specifically because Alpha was there.
I won’t say this conceit could’ve been done perfectly--it still changes the context of a big part of the show’s history in a way that is incredibly risky for a new writer to attempt. But it could’ve been done better. More thought could’ve been put into what a prototype for Blood Gulch’s personality archetypes would actually look like, taking into account that not every event in the Blood Gulch Chronicles could’ve been predicted by the Counselor’s profiling. The death of Captain Flowers, the destruction of Church’s initial body by Caboose, Caboose’s brain damage from Omega, these and arguably other events are potential wildcards that change the course of these characters’ development. The pre-existing relationship between Temple and Biff, too, would’ve been impossible to replicate in Blood Gulch since Temple has no true analog, and that relationship is arguably a big reason for the ongoing stalemate between the outposts. Captain Flowers has no analog and his very presence is therefore an unaccounted-for variable (unless he is actually the analog for Temple, which I thought would’ve been fascinating but was not explored). What would a prototype simulation outpost actually look like if you were to reverse-engineer it from Blood Gulch, taking into account all these variables?
When a concept like this is used as a one-off gag, Rule of Funny can trump logic and internal consistency without doing too much damage. As a season-long conceit, though, the logic needs to hold up, and it simply doesn’t.
I think on some level Joe realized this, because he doesn’t let the Red and Blues actually converse with their mirrors for very long before throwing them into combat, as if to distract both us and our heroes from asking too many questions. But even the fight scene raises further questions. Surge is a Colonel but we don’t know how or why and it’s never explained. He’s taking orders from a Blue he outranks, and this too is never explained.
That Yorkalina Washlina Yorkalina Thing
Anyway here’s Wonderwall Wash and Carolina holding hands on a beach.
Okay, let me back up. (Also, warning for a critical view of canon York/Carolina in this section.)
Illinois is an interesting addition to the cast. One thing I really like about this season is the way it cracks the Freelancer Program open a bit wider than seasons 9 and 10 managed to do, showing us that there were lower-level agents, other squads, etc. That I appreciate, because it helps to rectify the claustrophobic feeling of what we know in theory was a larger program but which onscreen never showed us much more than the ten characters who were already named. I like it. Y’know. Better late than never.
However. This is nitpicky, but putting Illinois in a photograph full of other top squad agents feels shoehorned. What would work much better is to see Carolina and York surrounded by several other unfamiliar agents. Thus, it would feel less like inserting a character into this group who clearly was not there before, and more like showing us a different group altogether, with some overlap. Hell, it would even work to just put York in the picture, since Illinois is said to have been his drinking buddy, while Carolina admits to not having known him well and seems unlikely to have been palling around with agents not on her level.
But then we couldn’t have an anecdote about York invading Carolina’s personal space that we’re supposed to find cute, now could we.
Which brings me to… this conversation.
As a Carolina fan who’s long had an interest in her relationship with Wash, I’ve been waiting for them to have an actual talk since season 10 ended, and by the end of season 13, I’d just resigned myself to the fact that it was never going to happen--that a cooperative fight scene was about the best I could hope for. So when I saw Carolina and Wash alone on that beach, you better believe I perked up.
To say that this scene sent viewers some… mixed signals is an understatement. The opening motif of “Carolina in the Morning” immediately evokes memories of her relationship with York; later, the scene lingers on the image of Carolina and Wash holding hands while staring into the sunrise, right after Wash prevents her from throwing York’s lighter into the water. Followed by a gag in which Wash seemingly-obliviously asks Carolina to take her armor off so that he can reactivate her Recovery beacon.
(Nitpick: by all established canon, the Recovery beacons don’t activate unless an agent is dead or dying. That’s why nobody catches up with the rogue agents like the Dakotas and York and Tex until they start dying. Further nitpick: if they do allow for the tracking of an uninjured agent, then the idea that Carolina needed Wash to deactivate her beacon is pretty silly, given that she was missing and presumably in hiding for years such that Wash himself, a Recovery agent, believed she was dead. She would have had to find a way to deactivate her own beacon not long after her disappearance simply to stay hidden.)
I genuinely have no idea what Joe was trying to convey with the hand-holding. If it didn’t mean anything in particular, he sure did slam the panic button in the fandom for nothing. My feelings about Washlina are irrelevant here--I have no issue with the ship, and in fact enjoy many fan portrayals of it. But we certainly could’ve lived without the explosion of ship hate and pained discourse it sparked in the fandom, and I know some shippers who can say the same. Rarely do I have any desire to see my RvB ships made canon, including my most beloved ones; given the criticisms I do have of some existing canon ships, I would much rather be left to the freedom of my imagination than saddled with a portrayal that will then color every fan interpretation, for better or for worse.
And in hindsight, this mixed message feels like another red herring, a distraction from the more compelling questions about the direction of the plot at this critical midseason point.
But what I am really interested in unpacking is the content of their conversation.
Things that were completely unnecessary in Season 15:
Spencer Porkinsenson
A conversation about York
Shipping biases fully acknowledged, what purpose did the subject of York, specifically, serve to a) the plot, b) Carolina or Wash’s relationship development, or c) their characterization individually?
As far as I can see it served no purpose to the plot. Nothing from this point forward has anything to do with York. Nor does it particularly serve Wash and Carolina’s relationship development, since their brief moment of closeness is dropped and never raised again. The idea of fresh starts is raised, first by Illinois’ seemingly idyllic post-Project life, and subsequently by Carolina’s regrets about York, which, fine--but as I wrote after this episode aired, it seems very late in Carolina’s story arc for her to be questioning her the prospect of starting over when she’s already done that. In season 13, she calls the Reds and Blues her family, and in episode 5 she certainly behaves like she’s come to believe that. So to question whether a fresh start is possible seems completely out of place in the timeline here, when she’s very clearly already had one, and has finally begun to truly embrace it.
The sole point that conversation raises that has any later relevance is Carolina’s desire for non-lethality. And that’s… well, let’s put a pin in that. What’s noteworthy for now is that this still has nothing specifically to do with York, only with Carolina’s self-image, past and present.
You know who would’ve been a very compelling topic of conversation for Carolina and Wash--relevant to the plot, to their relationship, to each of them individually?
Epsilon. You know, Church? Carolina’s brother figure whom she lost less than a year ago and is still mourning? With whom Wash has a painful and complicated history that they have never talked about despite Carolina teaming up with him for the entirety of the Chorus trilogy? The thing that just spurred them all to action in the first place?
Carolina and Wash are years overdue for a talk about Epsilon. It practically writes itself. And instead we get a conversation about York, who in terms of this season is relevant to basically nothing.
This is one of those scenes that I can only guess was written not for plot relevance, not for character development, but for maximum Feels™, and as such, it not only feels out of place, but misses the opportunity for much more pertinent conversation.
This is not the only instance of For the Feels™ writing this season, nor is it the most egregious, cheap, or manipulative, so put a pin in that, too.
The Game Was Rigged From the Start
Instead of debating whether or not Tucker’s writing was out of character this season (you can make a strong argument either way), let me ask instead: how much more interesting would our villain be if Tucker’s trust was harder-won? How much more interesting would Tucker be this season if we didn’t have to come up with reasons why he is behaving so impulsively, why he is so susceptible to a stranger’s flattery? Other fans have raised the point of Tucker’s experiences on Chorus, but I’ll even go back further: Tucker was stranded alone in the desert for months fending off Fake CT and his goons, probably after initially believing Fake CT’s story about who he was. Felix was by no means Tucker’s first lesson in not trusting strangers. Yes, Tucker is grieving. Yes, he is vulnerable. But what if we got to see his vulnerability manifest differently--in pulling close to his remaining little family and distrusting outsiders who presume to know him and what he’s been through? How much more interesting does that make this season and his whole arc within it?
The problem is, that can’t happen, because The Plot won’t let it--and not just for Tucker.
The Reds and Blues are very scattered during this season. Their behavior while at Temple’s base is such a far cry from the unified front they displayed at the end of season 13. Again, you can come up with reasons for this: the doppelgangers have them rattled, they all got sick of each other on the moon due to boredom, etc. But these people are no stranger to living in close proximity, to standing around talking. The moon seems to have provided a lot more entertainment than some of their quieter times in Blood Gulch or Valhalla, and in fact they do seem to be having fun in a lot of those flashbacks--the rock band, for example, and the water park before its untimely demise--so I’m not sure that argument really holds up.
Grif’s decision to break with the group works because it’s sold well--because it makes use of what we already know of Grif’s character, and it plants compelling tension between him and the others, especially Simmons. Doc’s loyalty to the B&R could work, but it lacks follow-up when he switches side so easily at the end. Sarge’s turn is propped up by his need for a fight, but it’s a weak premise when he clearly has a fight on his hands either way.
And it’s only because Sarge and Doc side with Temple that Tucker and his remaining companions are outnumbered and forced to flee rather than fight. They then spend the next two episodes sitting in a cell, waiting for someone else to come rescue them.
Why does this happen? Why shouldn’t they hold their own against the Blues and Reds? Tucker is right on that account: these enemies are no match for them. They fought much deadlier enemies on Chorus. They survived what could have been a devastating last stand on Hargrove’s ship, and they did so with total unit integrity, so what is this?
Their team cohesion really doesn’t return until episode 20, when they finally begin to function like the team we’ve seen before, because The Plot is finally allowing them to do so.
And that’s just the problem: too many things this season happen just because the writer wants them to. There is a checklist of events that need to happen, so the characters are written to make them happen. And in a character-driven universe like RvB, when the characters aren’t driving the plot, but the reverse, we notice. This happened in Freelancer, too, particularly in season 10. Events happen just because they have to, not because they’re consistent with what spotty development we’ve been given for these characters.
It's not that these actions can't be explained. You can come up with an in-world explanation for just about anything if you're creative. The problem isn’t that the any of these characters are blatantly and obviously out of character. The problem is that the plot is driving the characters’ actions rather than the other way around. Tucker and the Reds and Blues are not allowed to demonstrate the full range of strengths their thirteen years of character development have given them, because their enemy is just not that smart or creative, and his team is just not as strong as the Reds and Blues should be.
Your villain has to be a match for your hero in order for the story to be interesting. And the problem with Temple is, he’s not. He’s the kind of villain who might’ve been a match for the Reds and Blues pre-Chorus, but not now. They’ve just been through so much that he and his team haven’t--which is, again, a big part of why the doppelganger conceit feels so off at this point in the timeline. B&R shouldn’t be so like the Reds and Blues, they shouldn’t be on their level unless they’ve been put through their own crucible comparable to what the Reds and Blues have experienced. But we just don’t have any evidence that they have.
So Tucker’s competence and cleverness has to be dialed back, the Reds and Blues have to splinter with no real explanation. Like season 12 allowing Felix to stab Carolina in the leg, this feels like a nerfing, only more subtle, and an emotional one instead of a physical one.
Tucker and Caboose, in particular, appear highly motivated when they first spring into action upon hearing Church’s message, but once they find the B&R, too much time goes by in which Temple is clearly stalling them, and yet they do not press for more information or for quicker action. Tucker is only allowed to entertain a hint of skepticism at Dylan’s prompting, so that she can move the plot forward. His motivation, and that of the Reds and Blues as a whole, wanes because the plot needs it to, and with it goes the tension. Our core characters are not driving the plot, but being driven by it, and that weakens both the characters and the story.
Which brings us to…
The Accidental Protagonist and the POV Problem
So, this is where we come back to Dylan’s role as audience proxy, and where it starts doing the story more harm than good.
Dylan is a compelling character this season not just because she has good dialogue or because she is sympathetic, but because she is highly motivated and her motivation largely drives the story, to the point that I would argue really, she’s the protagonist. Most of this wouldn’t even have happened if Dylan hadn’t hunted down the Reds and Blues on their vacation moon and dragged them kicking and screaming into the plot. And it’s her investigation into Temple that creates the tension to move us forward to endgame once Carolina and Wash are trapped in armor lock. This is lampshaded by Jax making a comment about driving the plot forward.
But Jax shouldn’t be the one driving the plot forward, and neither should Dylan at this point. It should be the Reds and Blues. This should be their story. But it isn’t. It’s not framed that way.
If Dylan is the audience proxy, then Jax is the author proxy, literally Joe’s voice in his own story. As such, Jax’s constant fourth-wall breaking allows Joe to lampshade the weaknesses of his own writing without actually fixing them. There’s only so many times this technique is cute. (Twice is probably the upper limit.) I actually like a lot of fourth-wall breaking jokes in and of themselves--there’s a long tradition of that sort of thing in RvB (“We’re out of parts because we overused that joke!”) and it’s one I’m rather fond of, though your mileage may vary. Cumulatively, though, this constant lampshading doesn’t so much weaken the narrative as highlight its existing weaknesses, which I think is why so many fans so quickly grew annoyed with Jax. While I like him as a character in-world, I certainly understand why many don’t.
Initially, Dylan’s role works very effectively. She needs to know more than our heroes in the beginning, because her role in the plot is to deliver them their quest. This changes once the Reds and Blues reclaim their active, onscreen role in the story. Dylan and Jax take a backseat for a bit, and rightly so. But in the two-episode flashback “Blue vs. Red,” Dylan reassumes her role as the POV character, and unlike before, this now creates a glaring problem that is never solved or even addressed.
Temple monologues his Tragic Backstory at Dylan and Jax only. Right away, this is a problem. It’s clear that Temple wants to be heard, wants his grievances aired, but generally, villains like this want the people they’re hurting to know why they’re being hurt. And yet Temple doesn’t tell Carolina and Wash, only commenting on how he feared she would recognize him. Of course, Joe doesn’t want to reveal Temple’s true identity in episode 10; he wants to keep something back to create tension, but there are other ways Temple’s monologue could’ve been addressed to the people it was actually for.
As it stands, our reporters are the only people who ever heard Temple’s story… because Dylan is the protagonist of this season, and the resolution to it is Dylan getting her story, not Carolina and Wash understanding why they were put through this hell. The season ends with Carolina presumably never knowing what Temple’s grudge against her even was. We get a satisfactory conclusion for Dylan, but not for the core characters we love, and this is a massive oversight.
There’s another problem with Temple’s Tragic Backstory as told to Dylan, and that’s the problem of whose point-of-view is framing the story as we see it. It should be Temple, and thus we should only see what Temple would himself have seen and known about… except the two opening scenes in episode 13 are impossible for Temple to have seen. I hate to say they shouldn’t be there at all, because in truth they are my favorite parts of the flashback and I think the most effective. The sim base fight itself is critically lacking in the animation department, the dialogue is much more hackneyed at points. Most importantly, the reminder of the Director’s manipulation and the intense pressure Carolina is under offers some context for her actions.
But the fight scene itself almost requires the assumption of an unreliable narrator to smooth over some of its more noticeable, uh, gaffs (to say nothing of the music gag, and the absence of these characters’ well-established fighting styles, which other fans have broken down better than I can). Carolina’s aggressive and hypercompetitive attitude, in and of itself, is not necessarily out of character for her at this canon point. It’s her over-the-top callousness at Biff’s gruesome death that really doesn’t sit right with a lot of fans. This on top of the fact that the death itself makes no sense--not Tex’s decision to throw the flag when all she had to do was hang onto it to win, nor whatever outrageous concept of physics allows a wooden pole to penetrate the armor’s breastplate, even at a weak point.
Oh, It’s You
Things that were completely unnecessary in Season 15:
Spencer Porkinsenson
A conversation about York
Locus
I have no objection to Locus having a cameo in and of itself. In fact, I’d be sort of disappointed if he didn’t show up again sooner or later, given the way his Chorus arc ended.
My problem with Locus being in this season isn’t that he’s here, it’s that this kind of cameo should feel necessary. Everything Locus did could’ve been done by someone else. There’s no reason he needs to be the intermediary who stumbles across Lopez and then seeks out Grif; Lopez could’ve crash-landed back on the moon himself, and in fact it would’ve been a great opportunity to give Grif’s newfound Spanish skills a practical application. Grif can’t undertake a rescue mission all by himself? Why not reunite him with his sister now, and let some wacky Grif sibling hijinks ensue?
What about Wash being rushed to the hospital? Gosh, who do we know with a fast prowler, knowledge of the location of the nearest hospital, and the press credentials to get past the First Fleet blockade surrounding Chorus? I can’t quite think of it, but I’m sure it’ll come to me.
The worst thing about Locus’s part in this season is it ends up being most of the reason that Tucker can’t be suspicious, that the Reds and Blues can’t stand together against their enemies. They have to crumble and be overpowered so they can sit around waiting for Locus to come save them.
This should be their story. But again… it’s not.
As for Locus freeing Wash and Carolina from the armor lock, that was one of the most disappointing non-payoffs of the season for me. Caboose’s immunity to armor lock is well-established and even planted by Temple dropping the number 8.11 (the episode in which Caboose’s special helmet is mentioned). It is unfathomable to me that this setup was wasted, instead delivered in a scene where it wasn’t allowed to actually change anything and thus had no payoff. Again, this writes itself.
Okay, but how does it write itself, Anne?
I’m so glad you asked. So. You can actually fix the Caboose Problem and the Monologue Problem in one fell swoop. For this concept we need Freckles to still be a rifle, which doesn’t really mess up anything else this season so let’s roll with it. Caboose is looking for the bathroom and wanders down into the basement, finds Carolina and Wash. Cue joke about Caboose thinking they’re playing a game. Since Tucker really should be in this scene too, let’s have him be snooping around for more information (because he’s suspicious!) and follow Caboose down. Unlike Caboose, Tucker actually recognizes this situation as Bad News Bears, but before he can figure out how to release the Freelancers, Temple catches him. Temple hits his armor lock button, thinking he’s locked them both.
Here, you put Temple’s lines about how they’re doing the right thing, and the Reds and Blues should be on his side. Then he monologues, letting all of Blue Team hear his Tragic Backstory, minus the parts he wouldn’t have actually seen. When he’s finished, Caboose tells him he loses the Quiet Game, revealing that he’s been unlocked the whole time and was only keeping still because he thought it was a game. Thinking quickly, Temple tries to convince Caboose to join him.
Caboose is uncertain and maybe expresses sympathy for Temple losing his best friend, because he understands that concept, but he does not think that is a good reason to be mean to other people. At which point Wash speaks up, weakly: “Caboose… listen to me very carefully. I want you to help him. You should help him.”
“Okay, Agent Washington!” says Caboose cheerfully, and helps Temple in the manner to which he is accustomed: he shoots him. Recognizing Temple as a hostile target, Freckles fires actual bullets, and Temple goes down.
Meanwhile, you can have Red Team getting up to some shenanigans with the rest of B&R upstairs. Maybe Sarge pushes the rank question with Surge, maybe Simmons gets fed up with Gene and they get into a fight that escalates, maybe Cronut lets something slip to Donut in his zest for philosophical discourse. Your pick, really.
Later, when Carolina and Wash have a moment to breathe, that’s when Wash asks, hesitantly, “So, that story… did that really happen?”
Carolina’s silent for a moment, then replies, “It wasn’t like that. I mean, it was, but…” And now we get the framing through Carolina’s eyes. The flashback to the bridge, the dropship with Niner. We don’t have to see the whole fight scene again, just a few critical moments that frame the incident differently, toning down the moments of really over-the-top callousness. Temple is framed as an unreliable narrator (something that Joe has, baffling, stated outright was not his intention), and Carolina gets to tell her side of the story.
The Invisible Clock
All that aside, the armor lock was a pretty creative, and gruesome, story device. I think it’s really well-suited to a villain like Temple, who could never hold his own against even one Freelancer in raw combat. It makes sense for him to choose this particular method of execution: luring and trapping, watching them squirm, prolonging their suffering.
Coming in at the season’s midpoint, Carolina and Wash being locked in their armor serves as the second act culmination, introducing the new and dire question of whether they will be rescued before they die. Their lives are now on a ticking clock.
This should be an effective way to build tension in the latter half of the season, now that the earlier questions of the B&R’s identities and whether they can be trusted have been answered.
Problem is… we can’t see the clock. And the show doesn’t cut back to Wash and Carolina again for six episodes, during which the plot barely moves forward--so we don’t get any visible escalation of this new tension, which allows it to drain away.
When we do get to “True Colors,” it almost feels like the plot is tired of itself. At this point, the Reds and Blues have to figure out soon that the Blues and Reds are bad guys, because there’s simply nothing else to do. Carolina and Wash are locked in their armor in the basement. Dylan and Jax have been caught red-handed and are now being held captive. There’s nothing else to do with the plot, except stall.
And stall we do, for a solid five minutes of this thirteen-minute episode, via a conversation with Caboose and Loco, which is cute and plants the time portal concept, at least, and an extended scene of the Reds talking to themselves about their feelings, before Tucker just walks up to Temple and asks him point blank if they’re bad guys. We already know the answer, so there’s very little tension in the confrontation. The real source of tension--Wash and Carolina’s ticking clock--is buried, because we can’t see the clock. We don’t know if they’ve been down there six hours or two days.
And the time question is never answered. By the time Locus rescues them they’re starving and dehydrated, and their armor’s life support has failed. (Why? Shouldn’t Freelancer armor be able to hold up a few days in the field? Wouldn’t that mean they don’t have oxygen inside their helmets? And how was Locus able to unlock them in the first place without Temple’s remote control?) So we can guess that it’s been maybe three days, but we don’t know. And we’re never told. I have an uncomfortable suspicion even Joe doesn't know; the question was raised in a Reddit AMA with Joe and Miles about a month ago, and was never answered, not even with a vague handwave. I don’t think Joe actually nailed down a concrete timeline for this season, and I think this aspect of the story suffers for it.
Bang Bang, My Baby Shot Me Down
All right, let’s get this over with.
Things that were completely unnecessary in Season 15:
Spencer Porkinsenson
A conversation about York
Locus
Wash getting shot in the neck
Wash getting shot served no purpose to the plot. None. It changes nothing that happens in the last few episodes except that Wash isn’t there. (He wouldn’t have been able to do much anyway, considering that Carolina is barely staying upright.) It adds nothing to his characterization, because he’s nothing but loopy and babbling from the moment he’s out of armor lock.
Carolina is at least lucid, and her continued screentime post-rescue very much does serve her characterization. We get to see her refuse to sit out the fight, and struggle to muster the strength to go on; we get to see her fight briefly and collapse, and we get to see her frustrated but still willing to ask Tucker for help. All of these are great character moments. Imagine what we could have if she and Wash muddled through the final sequence together, leaning on each other, fighting to keep going just a little longer, reassuring each other it’ll all be over soon.
I don’t accept for a minute that contriving for Wash to get injured and hustled offscreen was the best use of his character at this point.
And it is absolutely contrived, because you can justify Tucker’s impulsiveness early in the season all you want but he has had plenty of time to steady up and realize they need a plan and have we forgotten that Tucker himself is actually… pretty good at planning? That it was Tucker who engineered the plan to entrap Felix at the end of season 12, in a high-stakes, high-stress situation where failure meant that he and very likely his friends old and new would be dead? That’s what present-day Tucker has lived through. That’s who he is.
There’s no good reason for Tucker to rush out into battle half-cocked. There’s no good reason for Wash to have wandered past everyone without anyone noticing. If Carolina were slumped against the wall, barely able to move, I could buy it from her, but she’s fully upright and mobile a second later, and there’s just no reason for it. There’s no reason for any of this to have happened except that the writer decided it needed to.
But why did it need to? What did it accomplish, besides shoving Wash offscreen, getting rid of Locus, and riling up the fans up for a week?
And it’s that last bit that really frosts me, honestly, more than anything else in this season. I don’t expect flawless narrative structure from RvB. I know what kind of show I’m watching. I can point out its plot weaknesses and still be entertained, and for much of this season, I was. But this is where you lost me, Joe.
Wash is exactly who you would pick if you asked yourself, “Which character can I grievously injure and cliffhanger for Maximum Fan Feels™?
Yeah, there’s that fuckin’ pin.
Some of you may be thinking, “But Anne, Carolina got a near-death cliffhanger in season 13!” Yes she did. It came at the end of a protracted confrontation as an important piece of her personal side plot about confronting her past and moving on. Carolina’s near-death cliffhanger was meaningful, and while it wasn’t handled perfectly (actually seeing her get rescued by her team would’ve been swell for establishing that whole “family” thing), it was part of a larger arc giving her character development that was sorely needed at that canon point. Also, Wash got his own year-long cliffhanger at the end of season 11 that was both heavily plot-relevant and drove a ton of character development for Tucker in particular.
This, though? This was cynical, calculated angst bait and nothing more.
What Are The Stakes Again?
Once it’s confirmed that Wash is alive and probably isn’t going to die offscreen, we have to go find the plot again. Where will we find it? On Earth. Yeah. Earth. The UNSC Headquarters. Where are they again? Do we know anyone there? Are our heroes in any particular danger if they don’t hightail it to Earth immediately? Given that they’ve figured out exactly where Temple is planning to attack, is there any reason they can’t just… you know, call? Sure, the UNSC won’t take their word at the moment, but how about the award-winning investigative reporter who’s literally on a phone call to Earth right now, couldn’t she--
Nope, saddle up kids, we’re going to Earth. We have to go save the… UNSC. You know, the real actual military. We have to save them. We definitely have to do that.
See, this is another problem with Wash getting shot. The audience just got done having their emotions jerked around over the fate of a character that a lot of people are really fucking invested in. Coming down from that, it’s a hard sell to make the endgame stakes a place we’ve never seen full of people we don’t know.
Tucker’s speech is pretty much forced to acknowledge that their only stake in this is revenge. “We do this for Wash! We do this for Church! We do this because fuck those assholes!” And while revenge can be a powerful motivator, we need more than that to build tension for the season’s climax. We need stakes. We need to know it matters if they fail to stop Temple, and on a personal level, it doesn’t--Wash is alive, Church is dead, and nothing they do from here will change either of those things.
So of course the machine turns out to be a doomsday device. It has to, because we have to get back that tension the plot keeps bleeding out. It’s not even a very good doomsday device, from what we can tell--it’s not going to destroy the very fabric of spacetime, just the one planet--and yes, destroying Earth is a big deal, but again, the Reds and Blues are safe as long as they’re not on Earth and in the time it takes for interstellar travel, they could just contact the actual military on Earth who could get there faster. Dylan is already on the phone with someone from Earth, a scientist who has confirmed for her that the device if activated will destroy the planet, and his response is… telling literally anyone important about this? No, he’s going to go get shitfaced.
Yeah, this end sequence has a stakes problem.
No Killing, Unless We Have To Or We Feel Like It Or Whatever
I actually find the idea of Carolina trying to practice non-lethality post-season 10 very compelling. It’s an idea I’ve seen explored very effectively in fic. There’s precedent for it in canon too, from her decision not to kill the Director herself, to her attempts to spare Sharkface in season 13. Notably, there is a context to Carolina’s choices not to kill, and also an understanding that sometimes it is necessary. And I think this whole idea could be explored very effectively in the right context, with the right follow-up.
This is… not that.
For one thing, the only person Carolina implores anyone not to kill is Temple, the worst and most malicious of their present enemies, and that’s such a lazy application of “don’t kill unless you have to.” It’s the kind of thing you see in video games where, after cutting down hundreds of nameless goons, you’re left with the choice to spare the leader--the one who actually masterminded the Evil Plot--because Mercy or Forgiveness or Being the Bigger Person or whatever.
Locus, by contrast, is at least given some consistency in his vow not to kill (setting aside the whole Batman logic that a GSW isn’t lethal as long as it’s not in the head) but it mostly just contributes to prolonging the fight that ends up getting Wash injured, since Locus won’t take a headshot on the machine gunner. And Locus is gone one episode later anyway, so there’s really no opportunity for the differences in their principles to play off one another.
Once we get to Earth, the zealots guarding the perimeter are mowed down with extreme prejudice and no qualms from anyone, and to lampshade that, Joe uses the laziest possible shorthand to demonstrate that they deserved to die. It’s almost an inversion of the scene in episode 1, which uses the opening dialogue to show you why the soldiers at the supply depot don’t deserve to die--except that was effective and well-written shorthand, and this just feels cheap and phoned-in.
It might even be funny, except that we’re still supposed to agree that Temple should live.
That Grimmons Thing
I never expected Grif/Simmons to be canon. Let’s get that out of the way first. Queerbaiting is not “I wanted my ship to become canon and it didn’t.” Prior to season 15, there’s really nothing in the text of the show itself (extracanonical comments from the creators, etc. notwithstanding) that I would consider queerbaiting. To give a counterexample: Carolina gently touching Kimball on the shoulder makes for great shipping fodder! But that in and of itself doesn’t make it queerbaiting.
In “Previously On,” there’s a joke that strongly suggests Grif and Simmons had some kind of sexual encounter in a closet during the Temple of Procreation activation. Notably, it’s something they are embarrassed about and will angrily refuse to discuss. It never comes up again, except indirectly when Jax butts in on their reunion conversation in hopes of catching them kissing on camera. The shot then cuts to Jax knocked out on the floor.
Take out those two jokes and the entire case for queerbaiting is gone. That’s it. That’s the problem. Why is it a problem? Because it teases the idea their relationship could have become sexual, but does so as a joke (which allows it be dismissed as such and not really canon) and in such a way that shows them both being uncomfortable with it afterwards and reacting with hostility to anyone else who brings it up. Neither of them ever brings it up again, and there is certainly no confirmation of romantic feelings that might make a certain portion of the fanbase uncomfortable in a serious context.
Queerbaiting rests on deliberately teasing a romantic/sexual relationship between same-sex characters, while also deliberately maintaining a plausible “no homo” to avoid alienating anyone in the audience that might think that’s icky. That’s what it is; that’s why this counts.
And it’s a shame for that letdown to overshadow all the truly great relationship development between Grif and Simmons that does exist in this season. From Simmons looking on in stunned silence as Grif leaves and seemingly fixating on him during their travels, to Grif’s loneliness and his rehearsed apologies, to the callback to their “Why are we here?” exchange in season one--there is some fantastic material here. It’s so gratifying to see them acknowledge out loud that they are friends, that they truly care about each other, and to see Grif so eager to return to his team.
With all the development their relationship got this season, it wouldn’t have a stretch from there to make it clear that they do have feelings for each other beyond friendship. But if you’re unwilling to pull the trigger on that, then don’t cock it. Give us the friendship development, let it stand on its own, and don’t tease us. Trust the actual queer folks in your audience, when we say: we’ve seen this before, and it’s not nearly as cute as you think it is.
Closing the Goddamn Door
The loss of Church has been woven throughout this season, primarily as a motivator to spur the Reds and Blues back into action, but also as an open wound from season 13 for which several of our characters still need closure. I like this thread. I like it a lot, and in fact would’ve liked to see it used more, as I mentioned above with the missed opportunity between Carolina and Wash. Grief is a powerful vehicle in fiction not only for character development, but for relationship development between characters.
Blue Team has a hole in it. Tucker and Caboose have lost a friend. Carolina has lost a brother. And Wash is probably left with a lot of complicated feelings about his own history with Epsilon and the fact that everyone else on his team loves him… which of course could have been explored for some fascinating tension, but hasn’t been touched on since season 11.
As of episode 6, it’s clear enough that Carolina, Tucker, and Caboose are all deeply affected by their loss. But as the season goes on, it’s really mostly Caboose’s need for closure on which the story actually follows through. It’s fair that Caboose’s view of death is complicated by Church’s repeated “resurrections.” Nevertheless, the fact that the time door seems only designed to offer closure to Caboose, when Tucker and Carolina could probably use some too… well, it feels like a dropped thread.
The time door in general is awkward and unsatisfying to me anyway, given that Alpha isn’t the same Church they recently lost, and to top it all it’s Alpha from the very beginning of Blood Gulch who has no regard for Caboose to speak of and certainly not the affection for him that Epsilon came to have. Caboose’s goodbye simply crams a weird and contextless experience into Church’s life, which he will, of course, never think about or bring up again.
Tucker and Caboose’s conversation in the jail cell about Church being really gone felt much more poignant and emotionally satisfying, because… well, that’s the thing about death. You don’t always get to say goodbye the way you wish you could have. And sometimes it takes a long time after to process those feelings, and the comfort of your friends means a lot during that time. A conversation that included Carolina would’ve been nice, maybe a mention of the messages Epsilon left for them all.
It might not be as flashy as a time machine, but given that by the end this season desperately needs some team cohesion and found family moments, maybe flash isn’t the way to go here.
To VICtory
VIC’s whole… subplot this season has a major, major tone problem. And this is a show that vacillates wildly between drama and comedy, and often very effectively, but... boy howdy does this subplot have a tone problem.
VIC’s suicidality being played for laughs is going to land badly for a lot of viewers from the start. There’s no way to make that not uncomfortable. But when it’s set up as such an obvious parallel to Epsilon’s dramatic and noble sacrifice in season 13… it falls particularly flat.
As a sidenote, while Epsilon is undeniably suicidal early in his life, I see no indication that he wants to die in season 13 or the Chorus trilogy generally. I won’t say he couldn’t have been, but I don’t think there’s canon evidence for it. His death is explicitly framed as a sacrifice, a choice made to protect the people he loves. A choice he is sorry to make, the outcome of which he regrets that he won’t get to see.
The impact Epsilon’s life has had on so many other characters is deeply felt in his final message.
VIC’s gleeful self-immolation, by contrast, leaves us with not much more than a vague distaste. That’s the danger of callbacks, especially to highly emotionally-charged moments. If your callback moment isn’t equally compelling, you run the risk of simply reminding your audience that they could be watching another, better story.
Conclusions
I enjoyed so much of this season, even beyond the strong first act and despite the issues in the second and third, and I think a big part of the reason I enjoyed it so much is that it has some really great moments. There are moments throughout the season when the characters are allowed to move unimpeded by The Plot, and in those moments they really shine. Everything I praised about the first act is still true. Most of episode 5 is gold. Tucker and Wash’s moment in “Reacts,” Grif’s arc, Niner’s flashback cameo, Tucker getting creative in the absence of his sword and punching a tank to death, the Grif sibling reunion--all of these moments and more tell me that Joe absolutely can write these characters, and can do so in both humorous and emotionally-powerful ways. I don’t doubt his abilities on that front.
Where there are cracks in the character writing, where the story drags and becomes unsatisfying, is when the characters aren’t allowed to drive the story, but are forced to act in such a way as will facilitate the plot even when it just doesn’t feel quite right.
I’ll close here with the same thing I said at the end of season 10, five years ago: Red vs. Blue is a character-driven universe at its heart. That doesn’t mean we don’t love plot! It doesn’t mean we don’t love mystery and intrigue and dramatic twists and big reveals. We do! But don’t forget that you hooked us with a bunch of people standing around talking. Characters are the heart of this show, and they will always be what matters the most.
I’m interested to see what Joe learns from this season, and how he grows from the experience, and if he stays on board for season 16 then I’ll look forward to seeing more of his work.
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Reflection: Chapter 4
I would absolutely expect the reign of Uber/Lyft to affect the supply, as well as the demand, of taxis (or the medallions for them). Uber/Lyft have a convenience and safety aspect that taxis can’t compete with. The convenience from being able to hail a ride from the comfort of your home, being able to track its location, and being able to update your desired location for pickup if you just want to meet the car somewhere, are just a few to name that make these services ideal (in most locations). The safety aspect comes from the app and your ability to see the rating of the driver, their picture, the type of vehicle, and even the license plate; all of which making sure the client is safe and traceable. These aspects have drastically reduced the demand for taxis in many places. However, a busy and crowded city like New York where many people solely rely on “ride sharing” still has a use for taxis. For example, during the day when the roads are packed and its rush hour, it may actually be more convenient to hail a taxi that you can see coming your way from down the street as opposed to trying to locate an Uber driver through the app if any happen to be nearby. So the demand for taxis is still higher in places like this. However, for places like Eagle county I believe the supply of taxis (if there even are any here), would tank drastically as there are many seasonal people who live here and are willing to have a gig-type job like Uber or Lyft.
So in a smaller town like Eagle county, the demand for taxis would decrease, their prices would have to lower to meet or beat Uber’s/Lyft’s pricing, which would make the supply decrease as well. In a bigger city like New York, the demand for taxis is decreased, but the supply has only minimally decreased. A graph of the supply and demand curves would look something like this:
Another example of an drastic change in services/goods like this from a new competitor would be Netflix v. Hollywood Video/Blockbuster. I saw firsthand, as I was working in the last few Hollywood Video stores in the Phoenix, AZ area at the time, the major changes the company was making in order to stay afloat amidst the decreasing demand for renting physical movies and their excess supply they had to deal with. There were a lot of sales, a lot of loss on revenue, monthly movie rental plans we were pushed to sell, all while Netflix was quickly on the rise. Convenience was a major incentive and still is to this day. The convenience that movie rental stores just couldn’t compete with, such as paying an extremely low monthly fee and having an unlimited amount of a large array of movies to pick from all while never having to leave the house. So as Hollywood Video’s rental demand decreased, their surplus of inventory made them lower their prices in hopes of increasing the demand. And as we all know, this didn’t remedy the issue and their lack of revenue for such an extended period of time made the supply of store locations shrink until there was nothing left worth saving.
The subject of Airbnb’s “takeover” on the short-term room rental market is very similar to the two previous examples. Having a widely advertised and user-friendly platform to allow people to advertise for their own rooms/properties to rent out short-term was a major advantage in the market when its competitors, I can only imagine, mainly posted their room availability either on Craigslist or in the newspaper perhaps. The ability to rate not only the owner and the property but also the “tenant” makes the process safe for both parties involved, adding a sense of responsibility to maintain professionalism in the transaction benefiting both parties. It’s aspects like this and the ease of the site’s accessibility makes it a clear choice for many people these days. I believe it increased the supply for short-term rentals as a whole by making them more accessible and being constantly advertised which has increased the public’s awareness of their availability and, therefore increasing the demand. As far as long-term rentals go, I know Airbnb offers that as an option, but I’m not sure how many people use the site for that purpose. Personally, if I were looking for a long-term rental, Airbnb and Vrbo would be the first places I check. I would think the only other option would be to Google places or contact a property manager at a hotel in the location you’re looking for, both of which would feel tedious and like a hassle when compared with Airbnb. So I’m not sure of how much effect the site has on long-term rentals since it’s a bit less commonly searched for. There might be a small increase in the supply of long-term rentals simply because owners are aware of how popular the sites are and choose to utilize them for themselves.
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Deducting business meals & other expenses on Schedule C
Millions of Americans are self-employed. In the Internal Revenue Service's Statistics of Income count for tax year 2017, more than 26 million of U.S. nonfarm taxpayers filed as sole proprietors, submitting Schedule C along with their annual Form 1040 individual tax returns.
The great thing about Schedule C is that is offers lots of ways sole proprietors, of which I'm one, can reduce our gross self-employment earnings.
But one of those deductions that many likely claimed on their 2017 Schedule C has in subsequent years become a source of confusion and consternation.
The tax break for business meals and entertainment expenses got caught up in the tax code rewrite known as the Tax Cuts and Jobs Act (TCJA). By the time that hastily-written tax overhaul became law on Dec. 22, 2017, it had eliminated some tax breaks.
Among those that was axed was the business deduction for the costs of entertaining clients, both potential and current.
Business meals, before and after tax reform: Prior to the TCJA, business taxpayers could claim 50 percent of their work-related meal and entertainment expenses. The tax law repealed the deduction for entertainment expenses. Many in the tax world, however, read the legislative language as erasing not only entertainment (and amusement or recreation activities, like taking clients to sporting events) expenses, but also the closely associated business meal costs.
Congress said it meant to do away only with the entertainment, not food, component. The job of putting that intention into practical tax effect was left to the IRS, which has been working on clarifying this deduction since the TCJA's enactment.
On Feb. 21, the tax agency issued the latest in its series of proposed rules on TCJA's changes to allowable meal and entertainment expenses.
This latest rule-making notice, which is scheduled to be published in the Federal Register on Feb. 26, reiterates that the costs of business meals while entertaining clients are deductible at 50 percent of the cost as long as they are reflected on a separate receipt.
In addition, the notice examines the deductibilty of other specific food expenditures that were raised by comments on earlier proposed IRS rules in this area. You can read the full, official but-not-yet-published notice for details. I recommend, however, you check the recent blog post on this matter by Ed Zollars of Kaplan Financial Education.
In that Current Federal Tax Developments item, Zollars notes that "the IRS indicated in the preliminary guidance given in Notice 2018-76 that the agency did not believe the law barred deductions for most meals. The preamble to the [most recent IRS] proposed regulations confirms this treatment."
Schedule C overview: OK, now that meal deductions are cleared up — sort of; the IRS will issue final regulations once it gets comment on this latest proposal after it's published on Feb. 26 — let's take a look at all of Schedule C, this week's Tax Form Tuesday featured document.
In case you're a new sole proprietor who will be attaching a Schedule C to your 1040 for the first time this filing season, don't freak out about the instruction to enter your employer identification number, or EIN. You might not need one, but the IRS' Do You Need an EIN page will help you determine that and, if you do, provides links to where you can apply for one.
You will need, however, to enter your employment code in Box B on Schedule C. You'll find the list of Principal Business or Professional Activity Codes on the last few pages of the Schedule C instructions.
And if you and your spouse each materially participate in your business, take note of Line G. This is where you note that you materially participated in the business. When both husband and wife do so and file a joint return, they can opt to be taxed as a qualified joint venture instead of as a partnership. The Schedule C instructions have more on this election.
Now to the fun stuff. Filling out your Schedule C.
Part I, reporting income: This relatively short section is pretty straightforward.
The IRS wants you to add up all your gross earnings and enter the amount on line 1.
Remember, this includes even those for which you didn't make quite enough to be issued a 1099. You also must report income such as the value of bartered goods or services.
And, as line one notes, this includes income reported to you on a Form W-2 where the "Statutory employee" box on that form was checked. While your report those earnings on Schedule C, Social security and Medicare taxes should have been withheld from your earnings. That means you don't owe self-employment tax on these earnings.
If you sell products instead of services, you'll enter any returns and allowances on line 2 then subtract them to get the amount that goes on line 3.
Line 4 is for more product adjustments, specifically the cost of goods sold from further down the form (line 42). Yep, in figuring the cost of your goods sold to enter here, you have to fill out Part III, coming up later. I know, it's a bit confusing but we are talking taxes here, so….
Line 5 is for gross profit so far, followed by that great catch-all "other" on line 6 for additional earnings. The instructions have more on what could go here (for example, reserve income, bad debts you recovered, interest on notes and accounts receivable).
Finally, on line 7, you get your total, gross income.
Part II, counting up expenses: Now to the more fun stuff. Tallying all the business expenses that can reduce your gross income and thereby cut your tax bill.
Record keeping obviously is crucial here. Good documentation can ensure you write off a wide range of business expenses.
As the image above shows, your expenses cover such things as advertising, auto costs, supplies, legal fees, repairs and maintenance, depreciation and Section 179 expenses, and office expenses, which aren't to be confused (although it's easy to do so) with home office costs. Those are addressed separately in this section.
And don't forget work-related travel and the item that started this whole post, meal expenses incurred while doing business.
I like to use the expense categories listed in this Schedule C section as guidelines for all my expense receipts.
You'll also find in Part II a line (#26) for wages you paid to folks you hired to help you conduct your business, such as bookkeepers, receptionists and salespeople. Production worker salaries, however, are counted as part of the cost of goods sold in Part III (coming up).
There's also a line (#19) for amounts put into pension and profit-sharing plans. This is, however, is for contributions you made for employees of your company, not to your own self-employed retirement account. If the plan included contributions for you, you'll enter those amounts made as an employer on your behalf on your Form 1040 Schedule 1 as adjustment to income.
Now you're starting to see why it's a good idea to have a tax adviser when you're the boss, especially if you have employees!
Underneath the columns for expense amounts, you'll find lines to enter the aforementioned home office deduction, which also require you file Form 8829.
And once you calculate your net profit or loss on 30, you'll be reminded that you also likely will owe self-employment tax.
Part III, cost of goods: If your business sells merchandise to customers, here is where you tally, as the section's header notes, the costs of those goods.
You typically reach this amount when you conduct inventories into account at the beginning and end of your tax year. The tax code allows an exception for small business taxpayers, who can opt not to keep an inventory, but who use a method of accounting for inventory that clearly reflects income.
If, like me, you make your money by providing services instead of selling actual goods, then you can skip sell services instead of goods, then you can skip this section.
Part IV, about your auto: When it comes to business related automotive expenses, you can enter your actual automotive costs (gas, oil changes, repairs, insurance, etc.) or you can take the standard mileage rate that the IRS sets each year.
For 2019 taxes, the standard rate is 58 cents per business mile. For you planning purposes, it drops to 57.5 cents per mile for business travel in 2020.
Regardless of which mileage deduction method you use, don't forget to add your parking fees and tolls to your vehicle cost total.
And note that the IRS wants to know about all your miles on this vehicle, not just your business driving totals. That's why I always note my Chevy's odometer reading on Jan. 1 and Dec. 31 of each year.
And because I have tracked my total and my business travel mileage, I can answer "yes" to the last two questions on in this section:
Do you have evidence to support your deduction?
If "Yes," is the evidence written?
Part V, Other Expenses: The last section of Schedule C is a catchall area for all those ordinary and necessary business expenses that didn't seem to fit in the form's previous lines.
This generally includes professional organization membership dues, business publication subscriptions (both for paper and online versions) and business gifts to clients.
The IRS notes, however, there are some items that you can't count here. Do not include the cost of business equipment or furniture or replacements or permanent improvements to property. It's also a hard no in this section on personal, living and family expenses.
You can find more on allowable and disallowed business expenses in IRS Publication 535.
Good or not so good business view: And there you have it. After finishing up Schedule C you have a good overview of just how well (or not) your business is doing, as well as where you're spending money.
While it's no fun paying taxes, at least owing them means that your business made money. Congratulations!
And since you are making money on your business throughout the year, be sure to pay Uncle Sam his portion throughout the year as estimated taxes.
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6 Breathtaking Islands You’ve Probably Missed So Far
Always dream higher than the sky and deeper than the ocean.
It’s the achieving moment of your life you simply can’t forget, no doubt. But what makes everything so beautiful around you?
What makes it more astounding is the fact that the world has lots of surprises in its pocket that are unraveled only when we decide to look upon it.
Travelling takes you to new destinations that are ultimate miracles of nature. Who could have thought that Sahara could be such a great camping trip? Who can think that climbing K2 can be a thrilling experience? Unless you decide to do it you can’t know for sure.
Discovering famous cities, streets, shops are always exciting, right? You get to meet lovely people and sometimes not so lovely people, but the food, hotels, the overall experience is worth spending your time on.
Beach Flings
It’s always more exciting to go to a beach doesn’t matter from which country you are from; the coastlines are attuned to the special phenomenon that you simply can’t help but unveil it all by yourself. the sunny side up and downs and most importantly the cozy feeling of relaxation is enough to make you go on a beach holiday around the world using Airport Limo particularly in Toronto.
For this sole purpose we have listed down the 6 most breathtaking islands you probably have missed so far, so now is the chance to redeem yourself by visiting those destinations.
ILES PURPURAIRES
Never thought of Africa as one for an island attraction? Believe it with your naked eye. Morocco home to the cultural cities and sites is quite famous also the food is unforgettably tasty but why not an island to visit there?
Just off the coast of the mystical Essaouira is the small series of islands, ILES PURPURAIRES, which adds to the mystery of Essaouira. Famous for its purple dye thanks to the Romans, little should you know, this island is breeding ground for falcons, and tourists are not allowed to go there (that’s a real shame though) but with high command permission, you can be accompanied there. It’s a haven for the wildlife of birds. Although the falcons migrate to Madagascar in winters it’s a common breeding ground during the summer.
Morocco Holidays seems to be incomplete for the explorers who want to be part of discoveries.
SPICE ISLANDS
You probably would have heard about it in your history lessons. How British, French and Portuguese fought over it for the trade. Well now, we are not fighting over it but yes visiting is one option we simply can’t ignore.
One of the underrated islands in the world, Grenada a.k.a Spice Islands has contributed its share of beauty attractions for nature and tourists alike. Indonesia being home to spices makes this island all more filled with the aromas of spice plantations all over it.
The picturesque town of St. George is just on the other side of the islands. Hitchhiking on the mountains and reaching the top makes it all too glorious view which is more than appreciable.
NOSY BE
How about taking a trip back to Africa? The most famous Madagascar (not the movie but the island although the movie was fun to watch!) is comprised of different islands. It’s not a surprise that it recruits a natural hidden gem from the rest of the world. Initially meaning “Big Island” it has been busiest resort areas for tourists.
Although lynching tends to be uncertain in this part of the region the natural wonder attracts more tourists than ever. It’s home to many of the wildlife animals like a black lemur and not to forget the fact that it’s a volcanic island (another surprise).
But with its tropical monsoon climate, humid summer and short dry season make it all year round available.
POM POM ISLAND
We say Malaysia is truly Asia. It’s a tropical paradise for the honeymooners or for someone who loves exploring the islands and mysteries surrounding it. This coral reed island is not as large but what makes it astounding is its beauty and the marine life that is the major reason for scuba divers. Quite popular for scuba diving it’s a refreshing coolness to feel the eccentric vibrating colors of corals and aquatic organisms down there.
If you are lucky enough you can encounter the turtles coming to the sandy shores and laying eggs, it’s fascinating to experience such a sighting.
The gorgeous white sands and crystalline waters make it a whole different package for a holiday destination.
PAWALAN
What is it that attracts us to the Philippines? Its gorgeous mane of islands!
Palawan is the largest of the provinces and lies between the South China Sea and the Sulu Sea. With its irregular coastlines makes it quite happening fit for wildlife and wreck diving.
Scuba diving is quite popular in this part of the island as well as there is an amazing diversity of aquatic life underwater and water is just the right temperature. Besides that, you can go snorkeling too and that too is a thrilling experience, especially for the teenagers. Ziplining is a fun way of trekking from the op on Ugnong Rock, quite exhilarating experience it is and you can have an incredible view from the top of the green life around you. Relaxing on the beachside you can do fishing as well, fathers will love this place for fishing sport.
LAMU ISLAND
And yet we have another of the unexpected destination in Africa in our minds, Kenya. Lamu Island is a small size and yet UNESCO World Heritage Site because of it’s coral stone and mangrove buildings giving it a unique emphasis over the landmark itself.
The best thing you will find is that its vehicle-free area! You have to use your legs to take you wherever you want to go.
Not that much of a tourist spot attraction comparatively to other destinations mentioned above, but it certainly reserves the charms for an escapade. It’s a small fish town separate from all the prying eyes. It’s something to see when in Kenya.
Had your fill or looking for more? I’m sure you want more because quenching the thirst of discovery lasts as long as two minutes. The wandering souls are always on an outlook for new best adventures. Which one will be yours?
The post 6 Breathtaking Islands You’ve Probably Missed So Far appeared first on Airport Limo Toronto.
from Airport Limo Toronto https://www.airportlimotoronto.com/6-breathtaking-islands-youve-probably-missed-so-far/
from Airport Limo Toronto https://airportlimotoronto3.wordpress.com/2019/08/05/6-breathtaking-islands-youve-probably-missed-so-far/
0 notes
Text
6 Breathtaking Islands You’ve Probably Missed So Far
Always dream higher than the sky and deeper than the ocean.
It’s the achieving moment of your life you simply can’t forget, no doubt. But what makes everything so beautiful around you?
What makes it more astounding is the fact that the world has lots of surprises in its pocket that are unraveled only when we decide to look upon it.
Travelling takes you to new destinations that are ultimate miracles of nature. Who could have thought that Sahara could be such a great camping trip? Who can think that climbing K2 can be a thrilling experience? Unless you decide to do it you can’t know for sure.
Discovering famous cities, streets, shops are always exciting, right? You get to meet lovely people and sometimes not so lovely people, but the food, hotels, the overall experience is worth spending your time on.
Beach Flings
It’s always more exciting to go to a beach doesn’t matter from which country you are from; the coastlines are attuned to the special phenomenon that you simply can’t help but unveil it all by yourself. the sunny side up and downs and most importantly the cozy feeling of relaxation is enough to make you go on a beach holiday around the world using Airport Limo particularly in Toronto.
For this sole purpose we have listed down the 6 most breathtaking islands you probably have missed so far, so now is the chance to redeem yourself by visiting those destinations.
ILES PURPURAIRES
Never thought of Africa as one for an island attraction? Believe it with your naked eye. Morocco home to the cultural cities and sites is quite famous also the food is unforgettably tasty but why not an island to visit there?
Just off the coast of the mystical Essaouira is the small series of islands, ILES PURPURAIRES, which adds to the mystery of Essaouira. Famous for its purple dye thanks to the Romans, little should you know, this island is breeding ground for falcons, and tourists are not allowed to go there (that’s a real shame though) but with high command permission, you can be accompanied there. It’s a haven for the wildlife of birds. Although the falcons migrate to Madagascar in winters it’s a common breeding ground during the summer.
Morocco Holidays seems to be incomplete for the explorers who want to be part of discoveries.
SPICE ISLANDS
You probably would have heard about it in your history lessons. How British, French and Portuguese fought over it for the trade. Well now, we are not fighting over it but yes visiting is one option we simply can’t ignore.
One of the underrated islands in the world, Grenada a.k.a Spice Islands has contributed its share of beauty attractions for nature and tourists alike. Indonesia being home to spices makes this island all more filled with the aromas of spice plantations all over it.
The picturesque town of St. George is just on the other side of the islands. Hitchhiking on the mountains and reaching the top makes it all too glorious view which is more than appreciable.
NOSY BE
How about taking a trip back to Africa? The most famous Madagascar (not the movie but the island although the movie was fun to watch!) is comprised of different islands. It’s not a surprise that it recruits a natural hidden gem from the rest of the world. Initially meaning “Big Island” it has been busiest resort areas for tourists.
Although lynching tends to be uncertain in this part of the region the natural wonder attracts more tourists than ever. It’s home to many of the wildlife animals like a black lemur and not to forget the fact that it’s a volcanic island (another surprise).
But with its tropical monsoon climate, humid summer and short dry season make it all year round available.
POM POM ISLAND
We say Malaysia is truly Asia. It’s a tropical paradise for the honeymooners or for someone who loves exploring the islands and mysteries surrounding it. This coral reed island is not as large but what makes it astounding is its beauty and the marine life that is the major reason for scuba divers. Quite popular for scuba diving it’s a refreshing coolness to feel the eccentric vibrating colors of corals and aquatic organisms down there.
If you are lucky enough you can encounter the turtles coming to the sandy shores and laying eggs, it’s fascinating to experience such a sighting.
The gorgeous white sands and crystalline waters make it a whole different package for a holiday destination.
PAWALAN
What is it that attracts us to the Philippines? Its gorgeous mane of islands!
Palawan is the largest of the provinces and lies between the South China Sea and the Sulu Sea. With its irregular coastlines makes it quite happening fit for wildlife and wreck diving.
Scuba diving is quite popular in this part of the island as well as there is an amazing diversity of aquatic life underwater and water is just the right temperature. Besides that, you can go snorkeling too and that too is a thrilling experience, especially for the teenagers. Ziplining is a fun way of trekking from the op on Ugnong Rock, quite exhilarating experience it is and you can have an incredible view from the top of the green life around you. Relaxing on the beachside you can do fishing as well, fathers will love this place for fishing sport.
LAMU ISLAND
And yet we have another of the unexpected destination in Africa in our minds, Kenya. Lamu Island is a small size and yet UNESCO World Heritage Site because of it’s coral stone and mangrove buildings giving it a unique emphasis over the landmark itself.
The best thing you will find is that its vehicle-free area! You have to use your legs to take you wherever you want to go.
Not that much of a tourist spot attraction comparatively to other destinations mentioned above, but it certainly reserves the charms for an escapade. It’s a small fish town separate from all the prying eyes. It’s something to see when in Kenya.
Had your fill or looking for more? I’m sure you want more because quenching the thirst of discovery lasts as long as two minutes. The wandering souls are always on an outlook for new best adventures. Which one will be yours?
The post 6 Breathtaking Islands You’ve Probably Missed So Far appeared first on Airport Limo Toronto.
from Airport Limo Toronto https://www.airportlimotoronto.com/6-breathtaking-islands-youve-probably-missed-so-far/ from Airport Limo Toronto https://airportlimotoronto3.tumblr.com/post/186790809835
0 notes
Text
6 Breathtaking Islands Youve Probably Missed So Far
Always dream higher than the sky and deeper than the ocean.
It’s the achieving moment of your life you simply can’t forget, no doubt. But what makes everything so beautiful around you?
What makes it more astounding is the fact that the world has lots of surprises in its pocket that are unraveled only when we decide to look upon it.
Travelling takes you to new destinations that are ultimate miracles of nature. Who could have thought that Sahara could be such a great camping trip? Who can think that climbing K2 can be a thrilling experience? Unless you decide to do it you can’t know for sure.
Discovering famous cities, streets, shops are always exciting, right? You get to meet lovely people and sometimes not so lovely people, but the food, hotels, the overall experience is worth spending your time on.
Beach Flings
It’s always more exciting to go to a beach doesn’t matter from which country you are from; the coastlines are attuned to the special phenomenon that you simply can’t help but unveil it all by yourself. the sunny side up and downs and most importantly the cozy feeling of relaxation is enough to make you go on a beach holiday around the world using Airport Limo particularly in Toronto.
For this sole purpose we have listed down the 6 most breathtaking islands you probably have missed so far, so now is the chance to redeem yourself by visiting those destinations.
ILES PURPURAIRES
Never thought of Africa as one for an island attraction? Believe it with your naked eye. Morocco home to the cultural cities and sites is quite famous also the food is unforgettably tasty but why not an island to visit there?
Just off the coast of the mystical Essaouira is the small series of islands, ILES PURPURAIRES, which adds to the mystery of Essaouira. Famous for its purple dye thanks to the Romans, little should you know, this island is breeding ground for falcons, and tourists are not allowed to go there (that’s a real shame though) but with high command permission, you can be accompanied there. It’s a haven for the wildlife of birds. Although the falcons migrate to Madagascar in winters it’s a common breeding ground during the summer.
Morocco Holidays seems to be incomplete for the explorers who want to be part of discoveries.
SPICE ISLANDS
You probably would have heard about it in your history lessons. How British, French and Portuguese fought over it for the trade. Well now, we are not fighting over it but yes visiting is one option we simply can’t ignore.
One of the underrated islands in the world, Grenada a.k.a Spice Islands has contributed its share of beauty attractions for nature and tourists alike. Indonesia being home to spices makes this island all more filled with the aromas of spice plantations all over it.
The picturesque town of St. George is just on the other side of the islands. Hitchhiking on the mountains and reaching the top makes it all too glorious view which is more than appreciable.
NOSY BE
How about taking a trip back to Africa? The most famous Madagascar (not the movie but the island although the movie was fun to watch!) is comprised of different islands. It’s not a surprise that it recruits a natural hidden gem from the rest of the world. Initially meaning “Big Island” it has been busiest resort areas for tourists.
Although lynching tends to be uncertain in this part of the region the natural wonder attracts more tourists than ever. It’s home to many of the wildlife animals like a black lemur and not to forget the fact that it’s a volcanic island (another surprise).
But with its tropical monsoon climate, humid summer and short dry season make it all year round available.
POM POM ISLAND
We say Malaysia is truly Asia. It’s a tropical paradise for the honeymooners or for someone who loves exploring the islands and mysteries surrounding it. This coral reed island is not as large but what makes it astounding is its beauty and the marine life that is the major reason for scuba divers. Quite popular for scuba diving it’s a refreshing coolness to feel the eccentric vibrating colors of corals and aquatic organisms down there.
If you are lucky enough you can encounter the turtles coming to the sandy shores and laying eggs, it’s fascinating to experience such a sighting.
The gorgeous white sands and crystalline waters make it a whole different package for a holiday destination.
PAWALAN
What is it that attracts us to the Philippines? Its gorgeous mane of islands!
Palawan is the largest of the provinces and lies between the South China Sea and the Sulu Sea. With its irregular coastlines makes it quite happening fit for wildlife and wreck diving.
Scuba diving is quite popular in this part of the island as well as there is an amazing diversity of aquatic life underwater and water is just the right temperature. Besides that, you can go snorkeling too and that too is a thrilling experience, especially for the teenagers. Ziplining is a fun way of trekking from the op on Ugnong Rock, quite exhilarating experience it is and you can have an incredible view from the top of the green life around you. Relaxing on the beachside you can do fishing as well, fathers will love this place for fishing sport.
LAMU ISLAND
And yet we have another of the unexpected destination in Africa in our minds, Kenya. Lamu Island is a small size and yet UNESCO World Heritage Site because of it’s coral stone and mangrove buildings giving it a unique emphasis over the landmark itself.
The best thing you will find is that its vehicle-free area! You have to use your legs to take you wherever you want to go.
Not that much of a tourist spot attraction comparatively to other destinations mentioned above, but it certainly reserves the charms for an escapade. It’s a small fish town separate from all the prying eyes. It’s something to see when in Kenya.
Had your fill or looking for more? I’m sure you want more because quenching the thirst of discovery lasts as long as two minutes. The wandering souls are always on an outlook for new best adventures. Which one will be yours?
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Okay, guys! It’s time to buckle up and finally apply for a much needed personal loan for this Diwali. Although you will receive the funds in your account within 48 hours (if all goes well), it is crucial for you to plan your spending accordingly. Therefore, this weekend would be the perfect timing to apply for a Diwali personal loan. All throughout Navratri and Dussehra, we received an overwhelming response with a number of borrowers applying throughout the festive season. Our finance blog brought to you a number of pieces on how to get a loan, how to pay your EMIs well, how important is credit score, and so on…
Loan Singh’s digital lending platform provides underserved salaried individuals, like you, a chance to avail a personal loan without running from bank-to-bank – with a cartload of paperwork and enduring a never-ending wait for approval. Many of you might have missed out on a personal loan during the Navratri-Dussehra period; but, the Dhanteras-Bhai Dooj period is fast approaching. So don’t deliberate! Just avail a Diwali Personal Loan and Celebrate!
Click here, to understand all about a personal loan in India
Online Diwali Loan
One of Loan Singh’s unique offerings is to provide an online personal loan to salaried individuals who have never availed credit before. To cater to the long list of Diwali expenses, it is obvious that you need a source of funds to celebrate the festival in all its pomp and fervor. Personal loans are unsecured loans that are availed to meet these exact fund requirements. As it is an unsecured loan, it does not require any collateral.
Loan Singh looks at your creditworthiness to determine if you can pay the loan EMIs regularly, or not. The idea is to not strain you with credit but to make sure that your salary and savings permit you to avail credit. Your credit report acts like a gauge for Loan Singh. It shows how prompt you have been in your previous credit responsibilities and how trustworthy you are. Loan Singh is perfect because of
No collateral – Having no collateral gives personal loan an advantage over a secured loan. Even if you do not own any fixed assets, you can at still get funds from Loan Singh.
Multiple purposes – A personal loan can be availed for a number of purposes such as shopping for Diwali, purchasing household appliances, electronic gadgets, purchasing gold, holiday travel, home improvement, job relocation, medical expenses, marriage, etc.
Personal Loan Benefits in India
Loan Singh’s hassle-free process and quick approval personal loans are perfect for salaried individuals like you who are too busy to even get a rest. The attractive EMIs and interest rates at Loan Singh, make personal loans affordable to repay back. Add luxury to your mundane lives without putting too much strain on your finances. Your dreams are our dreams. We help turn your dreams into reality. Brand new appliances and electronic products are also needed in case you are relocating due to your job. The job relocation personal loan at Loan Singh helps cover exactly this.
Loan Singh’s emi calculator will help you understand how much you need to pay in order to clear your consumer durable loan. The calculator only needs your intending loan amount and tenure for telling you how much you need to pay each month. A personal loan can be availed between Rs. 50,000 and Rs. 10 Lakhs.
Another huge benefit you have with a Loan Singh online personal loan is that you have the freedom to choose where you want to spend your loan amount on. You can apply for a shopping loan and utilize the cash to spend on an Amazon, some on Flipkart or some on Snapdeal. Unlike so many ecommerce websites that let you gain discounts for possessing a debit card or points of a particular finance provider, Loan Singh’s personal loan can be utilized to be spent on the website you want and on the product you want to spend on.
Click here, to understand everything about credit score in India
8 Things To Remember When Applying For a Diwali Personal Loan
Before applying for an online festival loan, always keep in mind the following pointers
Eligibility
Just because you have internet and need funds, does not mean a digital lending platform will approve your loan application. You need to be at least 21 years of age & with a salaried background. The minimum monthly salary should be Rs. 20,000. A competent credit score is key to get that ‘Amount Credited’ SMS flashing on your smartphone.
Research
Everyone does this, and you should too. Despite Loan Singh’s digital presence on Facebook, Twitter, Pinterest, Google+ and LinkedIn, you need to understand how digital lending is different from offline modes. Read about Loan Singh’s FAQs and find out what is needed to be kept handy during the online application process.
Amount
The amount you need to borrow will be based on your income and your repayment capacity. The amount should also be intertwined with the personal loan purpose. Ensure that you make use of the funds for the designated purpose – which could either be of for a used car loan, debt consolidation, wedding, travel, etc.
Application
Now just because you got the funds, it does not mean you can take your foot off the pedal and cruise along. It is wise to apply for a personal loan, based on your financial capability. This you can do by checking our EMI calculator. Taking a personal loan is like jumping on a trampoline. You get the funds to spend in times of need, but you do need to repay it back. So, during the application phase itself, have the repayment figured out.
Process
The process is easy and breezy. You can apply for a personal loan from your home, while traveling from work in an Uber, while being stuck at a traffic signal, etc. As long as you have internet access and can log in to your Gmail or Net-banking account, you can finish the process in as short a time as 15 minutes.
Purpose
Utilize the amount for exactly the purpose you have mentioned. For example: do not spend the Diwali personal loan amount on unwanted wasteful indulgences. Focus on making use of the funds for solely enjoying Diwali. Remember, applying for credit at various credit institutions leads to hard inquiries which adversely affect your credit score, as well.
Second loan
Sometimes, it is better to be safe than sorry. There could be an instance when you may not be eligible for the loan amount you need, and so you will continue hunting for funds at different banks. Try not to do that. Stay away from putting your monthly EMI obligations at risk. Clear one loan and then apply for the next. Being prompt with your loan repayments, with Loan Singh, helps you not only to improve your credit score but also build a good repayment history with Loan Singh, and thereby get a second loan.
Default
The most basic of all pointers – missing out on EMI repayments, could hit your credit score in a bad way. Adding to that, the penalty for missing an EMI can easily lead to added expenses each month. Procrastinating with the EMIs can slowly push it to a point of no return. Ensure you keep reminders about the EMI due-date or you can easily set-up an auto debit feature and allow Loan Singh to deduct the EMI from your account each month.
About Loan Singh
Loan Singh is a digital lending platform that prides in providing online personal finance loan or unsecured personal loan to salaried individuals. You can apply for quick funds as an easy emergency loan which is not a bank loan. We provide a loan with the best personal loan interest rates. The instant funds, or instant loans, are loans between Rs. 50,000 and Rs.10,00,000 taken for purposes such as:
Home improvement loan/Home renovation loan
Marriage loan/ Wedding loan
Medical loan
Used vehicle loan
Consumer durable loan
Vacation loan
Debt consolidation loan
Credit card refinancing loan
Job relocation loan
Smartphone loan
Travel loan
Festival loans
Gold jewelry loan
Shopping loan
Lifestyle loan
Short term loans
You can calculate your easy EMIs using our personal loan EMI calculator. We accept bank statement and PAN, for quick loan approval. A bad credit score or credit report errors can lead to personal loan rejection. The ‘Loan Singh Finance Blog’ is one of the best finance blogs in India. Loan Singh is a product of Seynse Technologies Pvt Ltd and is a partner to the Airtel Online Store.
Loan Singh’s Online Presence
Loan Singh is not an anonymous digital platform. We are present on almost all leading social media platforms. All you need to do is look for us. You can find us on Loan Singh Facebook, Loan Singh Twitter,Loan Singh Google+, Loan Singh YouTube, Loan Singh Pinterest, Loan Singh Instagram, Loan Singh LinkedIn, Loan Singh Blogarama, Loan Singh Google Business, Loan Singh Medium, Loan Singh Reddit, Loan Singh Tumblr, Loan Singh Scoop It, Loan Singh Feed, Loan Singh Storify, Loan Singh Digg and Loan Singh Blogger.
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Sell Your Old Car: Here Are Your Options
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Selling an old car is no easy feat. You want to receive the best possible price in the least amount of time and with minimum hassle. However, the entire process is often not that convenient. You may have to sell the car at a lower price to secure a quick deal or wait it out for the right buyer to sell it at the optimum cost.
Tip: Before you can go down the car-selling route, you should have a general estimate of the actual worth of your car. This will allow you to judge whether an offer is reasonable or is a complete rip-off!
The following article lists a number of options to sell your car, where each alternative comes with its own pros and cons. In addition, you will also find a few tips and tricks that will help you sell your car at the best price possible.
Sell it to a dealer
While most dealers prefer trade-ins, numerous dealerships are willing to buy old cars without trading them for newer ones.
Selling your car to a dealer is one of the most convenient options since it helps you escape the cumbersome process of scheduling an individual meeting with potential buyers, negotiate price, and receive and verify the payment. However, you may have to sacrifice on the price since most dealers are likely to give you the lowest possible amount for your car.
Look around and check in with different dealers before settling with the one who gives you the best offer. Choose a dealer depending on the specific condition and manufacturer of your car. If it has a lot of imperfections and requires extensive repair work, or is an older model with considerable mileage, don’t take it to a dealership that deals in new cars. In addition, begin by going to dealers that sell your brand of vehicle because they are most likely to offer you the most amount of money. Once you have visited a couple of dealers and are not getting your required price, then visit an off-brand dealership.
Trade it for a new car
Trading in entails that the value of the old car is deducted from the price of your new vehicle. If you are looking to buy a new vehicle, this might be a feasible option for you. It is also timesaving since you can sell your old car and buy a new one simultaneously. Thus, you will not have to go even a day without a vehicle.
However, the convenience comes at a cost. It is highly likely that the car dealer offers you a trade-in offer that will not be the best price that you can get otherwise. After all, the higher the value he provides, the lower is the profit he makes on the sale of the new car.
If you are on the lookout for a quick, easy route and the best selling price is not your primary concern, you can go for this option, albeit it is rarely highly recommended. This is because it gives too much power to the dealer.
Finally, scout for different offers for your old car, make sure that the price of the new car is competitive and negotiate the cost to the best of your abilities before closing the deal.
Sell it privately
Selling your old vehicle to a private party is the best way to get the highest value for your car. However, the entire process can be time-consuming and most certainly longer than the other sales options. Therefore, go for this option if you wish to receive the best price and are in no hurry to get rid of your old car.
To begin, you will have to place an advertisement. It can be a “for sale” sign, with your contact number, on the windshield of your car or the local store. You can also place a classified ad in the newspaper or on one of the online selling platforms. In addition, you can notify your peers and colleagues through Facebook or post a flyer on your office notice board.
Reply promptly to any queries generated by the ads and schedule a meeting with the potential buyer. Make sure that you choose a safe way to receive the payment for your car before turning over the vehicle to the new buyer. Do not accept a personal check because they can be invalid and bounce. Then, you will have to adopt a legal route to recover your car, which can be expensive and time wasting.
Auction it
You can also auction your car, but there is no guarantee that you will receive the actual value of your vehicle. In fact, you can end up getting a lot less than what you anticipated. However, the process is quick and often not very cumbersome.
You can also connect with a private buyer in an auction, who will be willing to pay you an optimum amount.
You can also advertise your car on a live online auction. Simply, post a picture of your vehicle with an accurate description on the website to avoid misleading the prospective buyers. You will have to pay an insertion fee that is not very high, around £10, as well as a final value fee depending on the ultimate selling price.
Try the “We buy cars for cash” offers
If you are looking to make a quick sale, you can contact one of the signs you may notice on the side of the road. However, this should be an absolute last resort since these offers are extremely low. Moreover, if your car’s condition is below average, they may not make an offer at all as their sole purpose is to buy a good car at a low price.
Use an online car buying site
Car buying sites are comparatively the latest methods of selling your vehicle. However, they are often your best option since they offer the highest value and take the work out of selling an old car.
The car buying companies are willing to buy any vehicle, regardless of its condition, make, model, size, shape or mileage. Their service and procedures are transparent and easy to understand. You simply have to enter your car’s details, and the site offers a reasonable quote. The suggested price is often very accurate to the actual worth of your car and the highest possible value you can receive.
Moreover, there are no hidden charges, and the customers are given a free car valuation. You can receive the payment for your car the same day you sell it to them. In fact, they come to collect the vehicle themselves, making the entire transaction extraordinarily convenient and hassle-free.
Conclusion
Almost every method of selling your car has its own pitfalls and highlights. It all depends on whether you choose to sell your car quickly, wish to receive the best value, or want a new car immediately, so you do not have to go even a day without transportation. However, if you are short on time and want to make the most amount of money, go to an online car-buying site and experience a smooth car selling process.
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How Real Estate Investing Makes Sense
Why Real Estate Investing Makes (Dollars and) Sense
INTRODUCTIONTurn on the television or scroll through Facebook, and chances are you’ll see at least one advertisement for a group or “guru” who promises to teach you how to “get rich quick” through real estate investing. The truth is, much of what they’re selling are high-risk tactics that aren’t a good fit for the average investor. However, there is a way to make steady, predictable, low-risk income through real estate investing. In this blog post, we’ll examine the tried-and-true tactics that can be used to increase your income, pay off debt … even fund your retirement!
WHY INVEST IN REAL ESTATE?
One of the basic principles of real estate investment lies in this fact: everyone needs a place to live. And according to the Bureau of Labor Statistics’ most recent Consumer Expenditures Survey, housing is typically an American’s largest expense.1
But there are other reasons why real estate is a great investment choice, and we’ve outlined the top five below:
1. Appreciation
Appreciation is the increase in your property’s value over time. History has proven that over an extended period of time, the value of real estate continues to rise. That doesn’t mean recessions won’t occur. The real estate market is cyclical, and market ups and downs are natural. In fact, the U.S. housing market took a sharp downturn in 2008, and many properties took several years to recover their value. However, in the vast majority of markets, the value of real estate does grow over the long term.
The S&P CoreLogic Case-Shiller National Home Price Index, which tracks U.S. residential real estate prices, released its latest results on August 29 with the headline “National Home Price Index Rises Again to All Time High.”2
Source: ZeroHedge3
While no investment is without risk, real estate has proven again and again to be a solid choice to invest your money over the long term.
2. Hedge Against Inflation
Inflation is the rate at which the general cost of goods and services rises. As inflation rises, prices go up. This means the money you have in your bank account is essentially worth less because your purchasing power has decreased.
Luckily, real estate prices also rise when inflation increases. That means any money you have invested in real estate will rise with (or often exceed) the rate of inflation. Therefore, real estate is a smart place to put your money to guard against inflation.
3. Cash Flow
One of the big benefits of investing in real estate over the stock market is its ability to provide a fairly steady and predictable monthly cash flow. That is, if you choose to rent out your investment property to a tenant, you can expect to receive a rent payment each month.
If you’ve invested wisely, the rent payment should cover the debt obligation you may have on the property (i.e. mortgage), as well as any repairs and maintenance that are needed. Ideally, the monthly rental income would be great enough to leave you a little extra cash each month, as well. You could use that extra money to pay off the mortgage faster, cover your own household expenses, or save for another investment property.
Even if you only take in enough rent to cover your expenses, a rental property purchase will pay for itself over time. As you pay down the mortgage every month with your rental income, your equity will continue to increase, until you own the property free and clear … leaving you with residual cash flow for years to come.
As the owner, you will also benefit from the property’s appreciation when it comes time to sell. This can be a great way to save for retirement or even fund a child’s college education. Purchase a property when the child is young, and with a little discipline, it can be paid off by the time they are ready to go to college. You can sell it for a lump sum, or use the monthly income to pay their tuition and expenses.
4. Leverage
One of the unique features that sets real estate apart from other asset classes is the ability to leverage your investment. Leverage is the use of borrowed capital to increase the potential return of an investment.
For example, if you purchase an investment property for $100,000, you might put 10% down ($10,000) and borrow the remaining $90,000 in the form of a mortgage.
Even though you’ve only invested $10,000 at this point, you have the ability to earn a profit on the entire $100,000 investment. So, if the property appreciates to $120,000 – a 20% increase over the purchase price – you still only have to pay the bank back the original $90,000 (plus interest) … and you get to keep the $20,000 profit.
That means you made $20,000 off of a $10,000 investment, essentially doubling your money, even though the market only went up by 20%! That’s the power of leverage.
5. Tax Advantages
One of the top reasons to invest in real estate is the tax benefit. There are numerous ways a real estate investment can save you money each year on taxes:
Depreciation
When you record your income from a rental property on your annual tax return, you get to deduct any expenses associated with the investment. This includes interest paid on the mortgage, maintenance, repairs and improvements, but it also includes something called depreciation.
Depreciation is the theoretical loss your property suffers each year due to aging. While it’s true that as a home ages it will structurally need repairs and systems will eventually need to be replaced, we’ve also learned in this post that the value of real estate appreciates over time. So getting to claim a “loss” on your investment that is actually gaining in value makes real estate an appealing investment choice.
Serial Home Selling
Even if you’re not interested in owning a rental property, other types of real estate investments offer tax advantages, as well. Generally, when you own an investment property you pay a capital gains tax on any profits you make when you sell the property.
However, when you sell your principal residence, you are exempt from paying taxes on capital gains (up to $250,000 for singles and $500,000 for couples). The Internal Revenue Service (IRS) only requires that you live in the house for two of the previous five years. That means you can purchase an investment property, live in it while you remodel it, and then sell it for a tax-free profit two years later. This can be a great way to get started in real estate investing.
Section 1031 Exchanges
In addition to profiting off of your personal residence tax free, it is possible to sell an investment property tax free if you do it through a 1031 Exchange. If structured properly, the IRS Tax Code enables an investor to sell a property and reinvest the proceeds in a new property while deferring all capital gains taxes.
Tax-Deferred Retirement Account
It’s a common misconception that you can only purchase financial instruments (i.e. stocks, bonds, mutual funds, etc.) through an Individual Retirement Account (IRA) or 401(k). In actuality, the IRS allows individuals to invest retirement funds in real estate and other alternative types of investments, as well. By purchasing your investment property through an IRA, you can take advantage of all of the tax savings these accounts offer.
Be sure to consult a tax professional regarding all tax matters related to your real estate investments. If structured correctly, the profits you earn on your real estate investments can be largely shielded from tax liability. Just another reason to choose real estate as your preferred investment vehicle.
TYPES OF REAL ESTATE INVESTMENTS
While there are numerous ways to invest in real estate, we’re going to focus on three primary ways average investors earn money through real estate. We touched on several of these already in the previous section.
1. Remodel and Resell
HGTV has countless “reality” shows featuring property flippers who make this investment strategy look easy. Commonly referred to as a “Fix and Flip,” investors purchase a property with the intention of remodeling it in a short period of time, with the hope of selling it quickly for a profit.
This is a higher-risk tactic, and one for which many of the real estate “gurus” we talked about earlier claim to have the magic formula. They promise huge profits in a short amount of time. But investors need to understand the risks involved, and be prepared financially to cover additional expenses that may arise.
Luckily, an experienced real estate agent can help you identify properties that may be good candidates for this type of investment strategy… and help you avoid some of the pitfalls that could derail your plans.
2. Traditional Rental
One of the more conservative choices for investing in real estate is to purchase a rental property. The appeal of a rental property is that you can generate cash flow to cover the expenses, while taking advantage of the property’s long-term appreciation in value, and the tax benefits of investing in real estate. It’s a win-win, and a great way for first-time investors to get started.
And according to the U.S. Bureau of Labor Statistics, rents for primary residences have increased 21.9 percent between 2007 and 2015 as demand for rental units continues to grow.1
3. Short-term Rental
With the huge movement toward a “sharing economy,” platforms that facilitate short-term rentals, like Airbnb and HomeAway, are booming. Their popularity has spurred a growing trend toward dual-purpose vacation homes, which owners use themselves part of the year, and rent out the remainder of the time. There are also a growing number of investors purchasing single-family homes for the sole purpose of leasing them on these sites.
Short-term rentals offer several benefits over traditional rentals, which many investors find attractive, including flexibility and higher profit margins. However, the most profitable properties are strategically located near popular tourist destinations. You’ll need an experienced real estate professional to help you identify the right property if you want to be successful in this highly-competitive market.
DOES REAL ESTATE INVESTING SOUND TOO GOOD TO BE TRUE?
We’ve all heard stories, or maybe even know someone, who struck it rich with a well-timed real estate purchase. However, just like any investment strategy, a high potential for earnings often goes hand-in-hand with an increase in risk. Still, there’s substantial evidence that a well-executed real estate investment can be one of the best choices for your money.
Purchasing a home to remodel and resell can be highly profitable, as long as you have a trusted team in place to complete the remodel quickly and within budget … and the financial means to carry the property for a few extra months if delays occur.
Or, if you buy a house for appreciation and cash flow, you can ride through the market ups and downs without stress because you know your property value is bound to increase over time, and your expenses are covered by your rental income.
In either scenario, make sure you’re working with a real estate agent who has knowledge of the investment market and can guide you through the process. While no investment is without risk, a conservative and well-planned investment in real estate can supplement your income and set you up for future financial security.
If you are considering an investment in real estate, please contact us to set up a free consultation. We have experience working with all types of investors and can help you determine the best strategy to meet your investment goals.
Sources:
1. Bureau of Labor Statistics Consumer Expenditure Survey Annual Report – https://www.bls.gov/opub/reports/consumer-expenditures/2015/home.htm
2. S&P Dow Jones Indices Press Release – https://www.spice-indices.com/idpfiles/spice-assets/resources/public/documents/574349_cshomeprice-release-0829.pdf?force_download=true
Durden, T. (2016 November 29). US Home Prices Rise Above July 2006 Levels, Hit New Record High [blog post] ZeroHedge –
http://www.zerohedge.com/news/2016-11-29/us-home-prices-rise-above-july-2006-levels-hit-new-record-hig
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Why Real Estate Investing Makes (Dollars and) Sense
Why Real Estate Investing Makes (Dollars and) Sense
Real Estate Investing
INTRODUCTION
Turn on the television or scroll through Facebook, and chances are you’ll see at least one advertisement for a group or “guru” who promises to teach you how to “get rich quick” through real estate investing. The truth is, much of what they’re selling are high-risk tactics that aren’t a good fit for the average investor. However, there is a way to make steady, predictable, low-risk income through real estate investing. In this blog post, we’ll examine the tried-and-true tactics that can be used to increase your income, pay off debt … even fund your retirement!
WHY INVEST IN REAL ESTATE?
One of the basic principles of real estate investment lies in this fact: everyone needs a place to live. And according to the Bureau of Labor Statistics’ most recent Consumer Expenditures Survey, housing is typically an American’s largest expense.1
But there are other reasons why real estate is a great investment choice, and we’ve outlined the top five below:
Appreciation
Appreciation is the increase in your property’s value over time. History has proven that over an extended period of time, the value of real estate continues to rise. That doesn’t mean recessions won’t occur. The real estate market is cyclical, and market ups and downs are natural. In fact, the U.S. housing market took a sharp downturn in 2008, and many properties took several years to recover their value. However, in the vast majority of markets, the value of real estate does grow over the long term.
The S&P CoreLogic Case-Shiller National Home Price Index, which tracks U.S. residential real estate prices, released its latest results on August 29 with the headline “National Home Price Index Rises Again to All Time High.”2
Source: ZeroHedge3
While no investment is without risk, real estate has proven again and again to be a solid choice to invest your money over the long term.
Hedge Against Inflation
Inflation is the rate at which the general cost of goods and services rises. As inflation rises, prices go up. This means the money you have in your bank account is essentially worth less because your purchasing power has decreased.
Luckily, real estate prices also rise when inflation increases. That means any money you have invested in real estate will rise with (or often exceed) the rate of inflation. Therefore, real estate is a smart place to put your money to guard against inflation.
Cash Flow
One of the big benefits of investing in real estate over the stock market is its ability to provide a fairly steady and predictable monthly cash flow. That is, if you choose to rent out your investment property to a tenant, you can expect to receive a rent payment each month.
If you’ve invested wisely, the rent payment should cover the debt obligation you may have on the property (i.e. mortgage), as well as any repairs and maintenance that are needed. Ideally, the monthly rental income would be great enough to leave you a little extra cash each month, as well. You could use that extra money to pay off the mortgage faster, cover your own household expenses, or save for another investment property.
Even if you only take in enough rent to cover your expenses, a rental property purchase will pay for itself over time. As you pay down the mortgage every month with your rental income, your equity will continue to increase, until you own the property free and clear … leaving you with residual cash flow for years to come.
As the owner, you will also benefit from the property’s appreciation when it comes time to sell. This can be a great way to save for retirement or even fund a child’s college education. Purchase a property when the child is young, and with a little discipline, it can be paid off by the time they are ready to go to college. You can sell it for a lump sum, or use the monthly income to pay their tuition and expenses.
Leverage
One of the unique features that sets real estate apart from other asset classes is the ability to leverage your investment. Leverage is the use of borrowed capital to increase the potential return of an investment.
For example, if you purchase an investment property for $100,000, you might put 10% down ($10,000) and borrow the remaining $90,000 in the form of a mortgage.
Even though you’ve only invested $10,000 at this point, you have the ability to earn a profit on the entire $100,000 investment. So, if the property appreciates to $120,000 – a 20% increase over the purchase price – you still only have to pay the bank back the original $90,000 (plus interest) … and you get to keep the $20,000 profit.
That means you made $20,000 off of a $10,000 investment, essentially doubling your money, even though the market only went up by 20%! That’s the power of leverage.
Tax Advantages
One of the top reasons to invest in real estate is the tax benefit. There are numerous ways a real estate investment can save you money each year on taxes:
Depreciation
When you record your income from a rental property on your annual tax return, you get to deduct any expenses associated with the investment. This includes interest paid on the mortgage, maintenance, repairs and improvements, but it also includes something called depreciation.
Depreciation is the theoretical loss your property suffers each year due to aging. While it’s true that as a home ages it will structurally need repairs and systems will eventually need to be replaced, we’ve also learned in this post that the value of real estate appreciates over time. So getting to claim a “loss” on your investment that is actually gaining in value makes real estate an appealing investment choice.
Serial Home Selling
Even if you’re not interested in owning a rental property, other types of real estate investments offer tax advantages, as well. Generally, when you own an investment property you pay a capital gains tax on any profits you make when you sell the property.
However, when you sell your principal residence, you are exempt from paying taxes on capital gains (up to $250,000 for singles and $500,000 for couples). The Internal Revenue Service (IRS) only requires that you live in the house for two of the previous five years. That means you can purchase an investment property, live in it while you remodel it, and then sell it for a tax-free profit two years later. This can be a great way to get started in real estate investing.
Section 1031 Exchanges
In addition to profiting off of your personal residence tax free, it is possible to sell an investment property tax free if you do it through a 1031 Exchange. If structured properly, the IRS Tax Code enables an investor to sell a property and reinvest the proceeds in a new property while deferring all capital gains taxes.
Tax-Deferred Retirement Account
It’s a common misconception that you can only purchase financial instruments (i.e. stocks, bonds, mutual funds, etc.) through an Individual Retirement Account (IRA) or 401(k). In actuality, the IRS allows individuals to invest retirement funds in real estate and other alternative types of investments, as well. By purchasing your investment property through an IRA, you can take advantage of all of the tax savings these accounts offer.
Be sure to consult a tax professional regarding all tax matters related to your real estate investments. If structured correctly, the profits you earn on your real estate investments can be largely shielded from tax liability. Just another reason to choose real estate as your preferred investment vehicle.
TYPES OF REAL ESTATE INVESTMENTS
While there are numerous ways to invest in real estate, we’re going to focus on three primary ways average investors earn money through real estate. We touched on several of these already in the previous section.
Remodel and Resell
HGTV has countless “reality” shows featuring property flippers who make this investment strategy look easy. Commonly referred to as a “Fix and Flip,” investors purchase a property with the intention of remodeling it in a short period of time, with the hope of selling it quickly for a profit.
This is a higher-risk tactic, and one for which many of the real estate “gurus” we talked about earlier claim to have the magic formula. They promise huge profits in a short amount of time. But investors need to understand the risks involved, and be prepared financially to cover additional expenses that may arise.
Luckily, an experienced real estate agent can help you identify properties that may be good candidates for this type of investment strategy… and help you avoid some of the pitfalls that could derail your plans.
Traditional Rental
One of the more conservative choices for investing in real estate is to purchase a rental property. The appeal of a rental property is that you can generate cash flow to cover the expenses, while taking advantage of the property’s long-term appreciation in value, and the tax benefits of investing in real estate. It’s a win-win, and a great way for first-time investors to get started.
And according to the U.S. Bureau of Labor Statistics, rents for primary residences have increased 21.9 percent between 2007 and 2015 as demand for rental units continues to grow.1
Short-term Rental
With the huge movement toward a “sharing economy,” platforms that facilitate short-term rentals, like Airbnb and HomeAway, are booming. Their popularity has spurred a growing trend toward dual-purpose vacation homes, which owners use themselves part of the year, and rent out the remainder of the time. There are also a growing number of investors purchasing single-family homes for the sole purpose of leasing them on these sites.
Short-term rentals offer several benefits over traditional rentals, which many investors find attractive, including flexibility and higher profit margins. However, the most profitable properties are strategically located near popular tourist destinations. You’ll need an experienced real estate professional to help you identify the right property if you want to be successful in this highly-competitive market.
DOES REAL ESTATE INVESTING SOUND TOO GOOD TO BE TRUE?
We’ve all heard stories, or maybe even know someone, who struck it rich with a well-timed real estate purchase. However, just like any investment strategy, a high potential for earnings often goes hand-in-hand with an increase in risk. Still, there’s substantial evidence that a well-executed real estate investment can be one of the best choices for your money.
Purchasing a home to remodel and resell can be highly profitable, as long as you have a trusted team in place to complete the remodel quickly and within budget … and the financial means to carry the property for a few extra months if delays occur.
Or, if you buy a house for appreciation and cash flow, you can ride through the market ups and downs without stress because you know your property value is bound to increase over time, and your expenses are covered by your rental income.
In either scenario, make sure you’re working with a real estate agent who has knowledge of the investment market and can guide you through the process. While no investment is without risk, a conservative and well-planned investment in real estate can supplement your income and set you up for future financial security.
If you are considering an investment in real estate, please contact us to set up a free consultation. We have experience working with all types of investors and can help you determine the best strategy to meet your investment goals.
Sources:
Bureau of Labor Statistics Consumer Expenditure Survey Annual Report – https://www.bls.gov/opub/reports/consumer-expenditures/2015/home.htm
S&P Dow Jones Indices Press Release – https://www.spice-indices.com/idpfiles/spice-assets/resources/public/documents/574349_cshomeprice-release-0829.pdf?force_download=true
Durden, T. (2016 November 29). US Home Prices Rise Above July 2006 Levels, Hit New Record High [blog post] ZeroHedge – http://www.zerohedge.com/news/2016-11-29/us-home-prices-rise-above-july-2006-levels-hit-new-record-hig h
The post Why Real Estate Investing Makes (Dollars and) Sense appeared first on Orlando Florida.
source http://www.orlandoflhomesandland.com/real-estate-investing-makes-dollars-sense/ from Orlando Florida Homes And Land http://orlandoflhomesandland.blogspot.com/2017/10/why-real-estate-investing-makes-dollars.html
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No, we won’t get into statistics as to how well personal loan is doing in India (we will cover that in another post). But, we will speak about personal loan and its rapid rise in popularity. Banks and credit institutions have comprehended the extent and scalability of digital lending.
Developing an app is not enough to appease salaried millennials. Umpteen steps in getting personal loan approved are no more acceptable. Who has the time to stand in never ending queues? Banks need to reinvent themselves or might be left far behind by emerging startups and Fintechs.
Personal Loan in India
The emphasis on banks and offline lending services would be to focus on building a seamless and digital application process. Everyone is already using smartphone and nobody has the time to visit the bank to wait in long queues. Faster credit underwriting is one more area which needs improvement by offline lending services. Time and research has to be spent to understand what millennials are looking for. There has to be a well-structured strategy, keeping in mind competencies. Two areas to keep in mind this year are
Flexibility – Architecture and systems for digital lending must be flexible to customization. Real time requirements such as addition of external APIs are to be allowed on the go.
Design – The design should be focused on the end user. Understanding borrower profiles, their demographics, social media presence, etc. need to be taken into consideration.
Eliminating paper and cutting time delays has to be the priority for offline lending services. The friction that is caused due to unending paperwork and approval time has to be addressed. Digital analytics is needed to better understand borrower needs and that too in real time. Alerts, notifications and intimations need to be sent out in real time as and when the loan application is submitted, approved and amount disbursed.
Online Personal Loan in India
A personal loan is an unsecured loan that solves your quick fund requirements. As it is an unsecured loan, it does not require any collateral. For salaried individuals, gathering funds within a short span of time, is not possible via traditional banking solutions. These solutions that take up to weeks to disburse funds. For a personal loan, the borrower’s creditworthiness determines if he/she can pay the loan EMIs regularly, and that too, without straining his/her daily living.
No collateral – Having no collateral gives a personal loan an advantage over a secured loan. Even if you do not own any assets, you can at least get funds from Loan Singh.
Multiple purposes – A personal loan can be availed for a number of purposes – such as shopping, buying consumer durables, celebrating festivals, buying used vehicles, getting the latest gadget, traveling for a holiday, home improvement, job relocation, medical emergencies, home renovation, marriage arrangements, etc.
Best Personal Loan Website?
If banks are slow to provide quick personal loan digitally, then which is the best online personal loan website to trust? Despite India’s digital lending sector still being in growth phase, one Fintech player has managed to tread farther than others in the segment.
The name of this Fintech is Seynse Technologies. Seynse Technologies has also been a proud partner in launch of the Airtel Online Store and has developed Loan Singh – A digital lending platform which lets salaried individuals apply and avail quick online personal loan.
Loan Singh Review
Loan Singh presents a number of advantages over other online platforms. Some of these advantages are
Minimal documentation
Fixed monthly EMIs
No hidden fees
Easy online loan application process
Transparent process
Things to Consider When Applying for a Personal Loan
Before applying for an online personal loan, remember the following pointers
Eligibility
Just because you have internet, and you need funds, does not mean Loan Singh will approve your loan application. You need to be at least 21 years of age and salaried. The minimum monthly salary must be Rs.20,000. A competent credit score is key to get that ‘Amount Credited’ SMS plonking on your smartphone.
Research
Everyone does this, and so should you. Despite Loan Singh’s digital presence on Facebook, Twitter, YouTube, Instagram, LinkedIN, Google Business, Medium, Blogarama and Pinterest, you need to understand how digital lending is different from offline modes. Read about Loan Singh’s FAQs and find out what is needed to be kept handy during the online application process.
Amount
The amount you need to borrow will be based on your income and repayment capacity. The amount should also be backed to be used for a valid purpose. Ensure that you make use of the funds for the designated purpose only – which could either be for a second-hand vehicle personal loan, home renovation personal loan, marriage personal loan, travel holiday personal loan, etc.
EMI
Just because you are eligible for an online personal loan, does not mean your job is done. It is wise to apply for a personal loan, based on your financial capability. This you can do by checking Loan Singh’s EMI calculator. Taking a personal loan is like jumping on a trampoline. You get the funds to spend in times of need, but you do need to repay it back. So, during the application phase itself, have the repayment amount figured out.
Process
The process is easy and breezy. You can apply for a personal loan from your home, while traveling from work in an Uber, while being stuck at a traffic signal, etc. As long as you have internet access and can log in to your Gmail or Net-banking account, you can finish the process in a short time of 15 minutes or less.
Purpose
Utilize the amount for exactly the purpose you have mentioned. For example: do not spend the wedding personal loan amount on unwanted wasteful indulgences. Focus on making use of the funds solely for celebrating your marriage. Remember, applying for credit at various credit institutions leads to hard inquiries to credit rating organizations, and denial of a loan application will adversely affect your credit score, as well.
Second loan
Sometimes, it is better to be safe than sorry. There could be an instance when you may not be eligible for the loan amount you need, and so you will continue hunting for funds at different banks. Try not to do that. Stay away from putting your monthly EMI obligations at risk. Clear one loan and then apply for the next. Being prompt with your loan repayments, with Loan Singh, helps you not only to improve your credit score but also build a good repayment history with Loan Singh, and thereby get a second loan with ease. Loan Singh also provides debt consolidation personal loan among its numerable personal loan categories.
Default
The most basic of all pointers – missing out on EMI repayments. This could hit your credit score in a bad way. Adding to that, the penalty for missing an EMI can easily lead to added expenses each month. Procrastinating with the EMIs can slowly push it to a point of no return. Ensure you keep reminders about the EMI due-date or you can easily set-up an auto debit feature and allow Loan Singh to deduct the EMI from your account each month. Just ensure you have sufficient funds in your bank account.
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