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Nov 21, 2023 09:31:52   #
burkphoto Loc: High Point, NC
 
chrisg-optical wrote:
What happens if one misses a few car payments? >> that's a SECURED LOAN, you are paying it back

Mortgage payments? >> that's a SECURED LOAN, you are paying it back

If you own your house free and clear you shouldn't owe any taxes directly against it.

I agree taxes have positive uses in our upside down system, but it should be *consumption* based.

Pay at the pump.

Look up NESARA/GESARA.


Real estate taxes are not sales taxes... They fund the greater good of the community. The higher your property value, the higher your real estate taxes. This is a disincentive for most older people to own more property than they need. It's fair in the sense that those who can afford to own more property pay higher taxes.

Consumption-based taxes (fuel taxes, utility fees, taxes on groceries…) hurt the very people who can afford them least. They represent a far larger percentage of a person's expenditure if the person makes $25K/year than they do if the person makes $250K/year.

Gas taxes pay for roads in most places. How would a state fairly tax people who generate 90% of their own electric power through solar, to run their cars?

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Nov 21, 2023 11:12:16   #
DirtFarmer Loc: Escaped from the NYC area, back to MA
 
chrisg-optical wrote:
... The Dutch started this insanity of property taxes going back to 1654, and it carried over into the colonies and original states via county government as it exists today.


Property taxes are MUCH older than that. 'Way back, the king owned everything. Lower nobility were granted use of land but the king got taxes in exchange (money and military support). The serfs were granted use of small parcels but the lord got taxes in exchange.

I'm not a tax historian but I get the impression that things like sales and excise taxes date back only a few centuries. The earliest such taxes I recall from school are the colonial taxes starting in the 1600s. I will allow that taxes could be earlier than that but my memory does not include them.

Taxes in general are of biblical age and most likely date back to the beginning of civilization.

Fairness in taxation is probably a much more recent concept. And is also time-dependent. Fuel taxes have been the basis of road maintenance as long as fuel-driven transportation has been around, but now with a larger array of fuel types, road maintenance is still primarily based on petroleum-based fuels.

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Nov 21, 2023 11:19:25   #
CHG_CANON Loc: the Windy City
 
If you haven't found the success you're looking for, subscribe to it.

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Nov 21, 2023 15:37:40   #
jerryc41 Loc: Catskill Mts of NY
 
DirtFarmer wrote:
I'm not a tax historian but I get the impression that things like sales and excise taxes date back only a few centuries.


I remember when sales tax began in NY - in the early 1960s. I think it was 2%, and some things that are taxed today were excluded in the beginning.

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Nov 21, 2023 17:50:15   #
DirtFarmer Loc: Escaped from the NYC area, back to MA
 
jerryc41 wrote:
I remember when sales tax began in NY - in the early 1960s. I think it was 2%, and some things that are taxed today were excluded in the beginning.


I consider the tea act (1773) to include early forms of a sales tax. The Boston Tea Party was one of the protest actions. That led to the intolerable acts (1774) which was one of the American Revolution precursors.

Tariffs also affect the price of items to be sold, but the tariff payer is the merchant rather than the customer (although the price gets passed through). Tariffs have been around long before the 1700s.

PS, on the American Revolution subject, it is widely considered to have started in 1775. However, violent anti-British actions occurred several years before that. The Worcester Revolt (1774) drove the British appointed judges out of the county when more than half the male population arrived with arms and threw out the judges. The Boston Massacre occurred in 1773. The Stamp Act imposed British bureaucracy on American legal transactions in 1765. Britain had to find ways to finance the French and Indian war of 1754-1763

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Nov 22, 2023 08:17:45   #
dleebrick Loc: Indian Land, South Carolina
 
tdozier3 wrote:
I'm more than happy with my Paintshop Pro 2022 and Aftershot Pro 3 from Corel that I own without a subscription. It does everything I need and more.



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Nov 23, 2023 15:03:12   #
topcat Loc: Alameda, CA
 
bsprague wrote:
Adobe's version of "buy it, don't rent it" is Photoshop Elements. This time of year it is on sale for $60 and good until you wear it out.


Works for me

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Nov 27, 2023 19:45:38   #
sodapop Loc: Bel Air, MD
 
DirtFarmer wrote:
There are costs to life.


Some of them are necessary and some not.

Some of them make life easier or more enjoyable and some are just costs.

Costs that are probably necessary: Utilities (water, electricity, sewage, real estate taxes [if you rent you pay the taxes through your landlord if not directly]).
Costs that are probably not necessary for everyone but desirable to maintain quality of life: transportation, heat, insurance
Costs that are not necessary for amateur photographers: camera bodies and lenses, software
Costs that are probably necessary for professional photographers: camera bodies and lenses, software. These are reimbursable costs paid by your clients (indirectly).
Costs that are absolutely NOT necessary for anyone: style, fashion (My opinion here -- there may be people for whom these costs are reimbursable professional costs).
Costs of hobbies: fishing, golf, going to sports events or concerts, travel.
I'm sure there are costs I have not enumerated that some could add to my list.

Most of the complaints about subscriptions I hear here are unnecessary costs that make life easier. Again, my opinion. Adobe Photography Plan costs are small enough that they do not impact me.
There are costs to life. br br br Some of them a... (show quote)


Heat and quality of life are very necessary to me. Enjoying a hobby I love is absolutely necessary, A good life is more than sleeping and eating and not fussing about $10/month

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Nov 27, 2023 20:08:34   #
tripsy76 Loc: Northshore, MA
 
It’s mostly just the cost of doing business these days and making sure that you are compatible with other studios and clients that you work with. Subscriptions are thousands of dollars cheaper than what I used to have to pay for a non-upgradable package (but I think they did offer some level of discount to upgrade maybe). If I remember correctly I would have to pay somewhere around $1500/year for Adobe? Now I pay $50/mo.

Any yes the subscription services do get annoying but it is what it is.

I pay around
$600/year for Adobe
$200/ 1 time for Davinci
$3300/year for Nuke
$2500/year for Houdini
$1400/year for Maxon 1
And around another $3000/year for AI subscriptions and plugins.

It definitely adds up! And yes I wish it was significantly cheaper. But that’s what I need to make a living.

You do have cheaper and free alternatives. They may not have all the bells and whistles but if you’re just looking to edit photos, they would probably be more than enough for your needs.

Maybe check out:
Krita
Gimp
Pixlr
Snapseed
Inshot
VSCO
Or some of the other free apps? You might be pleasantly surprised at the amount of features that they have and how well they work.

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