Tag Archives: Featured

To Avert ‘Uncontrollable Climate Chaos,’ Scientists Tell Biden to Stop Backing Fossil Fuels

Above: Photo Collage / Lynxotic

“When scientists across the U.S. are imploring the president to get the country off fossil fuels, it’s time to listen.”

With an open letter expressing “the utmost alarm about the state of our climate system,” over 330 scientists on Thursday urged President Joe Biden to declare a climate emergency and swiftly put an end to a fossil fuel-based energy system.

“When scientists across the U.S. are imploring the president to get the country off fossil fuels,” said Dr. Shaye Wolf, climate science director at the Center for Biological Diversity, “it’s time to listen.”

The letter—an effort organized by biologist Dr. Sandra Steingraber and climate scientist Dr. Peter Kalmus along with advocacy groups Center for Biological Diversity and Food & Water Watch—frames the current moment as a “time of peril” that must be met with “emergency action.”

Other initial signatories include Dr. Robert Bullard, known as the father of environmental justice, and climate scientist Michael Mann, director of the Earth System Science Center at Pennsylvania State University.

A three-step action plan is presented in the letter, beginning with a full ban on any new fossil fuel leasing and extraction on public lands and waters; no future permits for related infrastructure; and ending fossil fuel exports and subsidies.

Biden must also declare a climate emergency, the letter says, through which a chunk of the nation’s vast military spending would instead be directed to fund renewable energy projects and the crude oil export ban would be reinstated.

As a third key step, the president needs to reject fossil fuel industry schemes, such as carbon capture and storage, that the scientists frame as “delay tactics” that ultimately “impede the rapid transition to renewable energy.”

The first two in the trio of demands mirror those set out by the People Vs. Fossil Fuels mobilization, which is set to kick off next week.

“U.S. scientists are done speaking calmly in the face of inaction,” Steingraber said in a statement in which she expressed solidarity with the upcoming mobilization.

She also urged the president to follow through on a key campaign vow that his support for pipelines like the Dakota Access and Line 3 has betrayed.

“President Biden,” said Steingraber, “listening to science means acting on science. It means stopping new fossil fuel projects, opposing industry delay tactics, and declaring a national climate emergency.”

The scientists warned that “our chances for avoiding irreversible and uncontrollable climate chaos diminish daily.”

“We implore you, on behalf of and for the love of all life on Earth,” they added, “to respond to the greatest threat ever to face our species and lead the transition away from fossil fuels that humanity desperately needs.”

Originally published on Common Dreams by ANDREA GERMANOS and republished under a Creative Commons License (CC BY-NC-ND 3.0).

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How to Reset Safari in iOS 15 and other stress reducing tips

Above: Photo / Apple / Lynxotic

The biggest iOS update in years comes with a learning curve to match

According to analytics company mixpanel, the adoption of iOS 15 is much slower than iOS 14 a year ago. Speculation in the media for the cause of the reluctance is a few “bugs” that they also widely reported.

The fear of bugs is a good reason to take a major iOS upgrade at a slower pace, and this is probably a large part of the reason, for most people. On the other hand, after our review of both iOS 15 and iOS 15.1 (beta version) it is also true that this year’s free upgrades have a steeper learning curve than in the past.

Paradoxically, this is due to the fact that both the sheer number of new features, along with the ground breaking and innovative nature they have, are responsible for the cost and the benefit of taking the plunge.

The big 2 year transition to Apple Silicon is driving the pace of software progress

While iOS, iPad OS and macOS gradually converge as they grow (along with the Peripherals like Apple TV, Apple Watch, etc) the new features and upgrades to existing apps and actions are in the midst of an explosion.

Although this is great news, and the productivity improvements are, in some cases remarkable, especially if you use your apple devices for work and business, with so many new features there’s bound to be some reluctance to fight through the brain fog that can come with having to learn new unfamiliar habits.

Perhaps the best known example of this so far is the famous “address bar relocation” backlash that happened as a result of the new feature allowing the address bar to be at the top of the safari page on iPhone, or at the bottom, closer to our thumbs.

Initially there was no opt-out and it was bottom only (while it was still in the beta testing stage) and due to a rumored backlash from users this was upgraded to the current system where this “radical” new design is an option, with the more familiar previous layout also available. (see video below for details on how to switch back to the “old” style).

In the grand scheme of things going backwards is rarely better

This example of resistance to UX change, even by the “elite” beta users is a telling example of just how all pervasive the new software features are in iOS 15, and how much we will all need to learn new “tricks” to get the most out of the changes and added functionality.

It is also a long standing Apple tradition to try to make things, in both hardware and software design, that “just work” and do not require an “owners manual” or how-to guide to figure out.

While this, in the best case, is miraculous and we “get” the new features in an intuitive metaphorical heartbeat, more often recently, there is a frustrated moment of near panic when we find ourselves in a software dead-end, with no obvious back button or option menu to select from.

For this reason, it appears that the usefulness and necessity of how-to videos and guides, the very ones that Apple is in the business of making unnecessary, are more important than ever.

How-To guides get a new lease on life, thanks to Apple

Thankfully, Lynxotic, and others are on the case and we are working overtime to provide the next generation of DIY documentation, both in video and article form for iOS 15.1, macOS 12 Monterey, iPad OS 15.1 and beyond.

It’s great to be able to absorb new features and design upgrades intuitively and without the need for a separate learning project to educate ourselves enough to use the devices we are already using.

However, with the massive and increasingly more powerful potential of the new Apple Silicon fueled software upgrades, proactive learning may be something that is not just a necessary evil.

It is looking, rather, like it will be semi-permanent and highly fruitful activity we will want to add, willingly, to our overburdened existences.

At least for a couple of years during the transition to a much better future in the life of the Apple device & software ecosystem.


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5 Key Things to Know About the Pandora Papers

Above: Photo Collage / Lynxotic

These disclosures about the how the world’s wealthy and powerful hide their vast fortunes will hopefully turn up the heat on the politicians that maintain the wealth-hiding status quo.

This week we are closely watching the disclosures emerge from the Pandora Papers, a massive leak of secret data about the illicit financial activities of the super-wealthy from 200 countries. In the days to come, we will learn more about the tax avoidance of billionaires and the ways states like South Dakota and Florida have become U.S. tax havens.

Here are Five Things You Need to Know:

1. The Largest-Ever Journalistic Collaborative, More Significant Than the Panama Papers 

The Pandora papers are a massive expose about the secret shell games and tax avoidance schemes of the world’s ultra-wealthy, from over 200 countries. This massive undertaking involved 600 journalists from 117 countries and was coordinated by the International Consortium of Investigative Journalists(ICIJ) in what they describe as the “largest-ever journalistic collaborative.”   See initial coverage here in The Washington Post and The Guardian, two of the key media outlets part of the consortium.

Five and a half years ago, the ICIJ released the Panama Papers, which focused on a leak from a single law firm, Mossack Fonseca. According to Gerald Ryle, director of the ICIJ, the Pandora Papers are the “Panama Papers on steroids.” See a summary prepared by the ICIJ here.

The Pandora papers draws on leaks from confidential records at 14 different offshore wealth service firms in Switzerland, Singapore, Cyprus, Samoa, Vietnam, Hong Kong, as well as firms in well-known tax havens such as Belize, Seychelles, Bahamas and the British Virgin Islands (BVI).  These firms help wealthy individuals and corporations to form trusts, foundations, incorporate companies, and establish other entities in low- or no-tax jurisdictions.

The Pandora Papers analyzed 12 million files from these firms including leaked emails, memos, tax declarations, bank statements, passport scans, diagrams of corporate structures, secret spreadsheets and clandestine real estate contracts. Some reveal the real owners of opaque shell companies for the first time.

2. The Global Implications Are Huge and Politicians Will Be Embarrassed 

The Pandora Papers are truly a global story, with major implications for many countries.  Some of the largest revelations involve Russian nationals with connections to Vladimir Putin and elites from Latin America. For example, journalists from the Spanish daily El Pais, exposed the “Secret Vault of Mexican Billionaires.” In Mexico they found over 3,000 wealthy and powerful Mexicans in the 11.9 million leaked files, with connections to current and previous presidents.  They discovered a common pattern of wealthy Mexican elites using a single Panamanian law firm, Alcogal (Aleman, Cordero, Galindo & Lee), along with shell companies and trusts in the British Virgin Islands, and real estate purchases in Miami and around the US. 

The Pandora Papers will hopefully turn up the heat on the politicians that maintain the wealth-hiding status quo. The files list over 330 current and former politicians and world leaders from 91 countries that are implicated in transactions. This is twice the number implicated in the 2016 Panama Papers.

Political leaders include King Abdullah II from Jordan and former British Prime Minister Tony Blair (according to The Guardian, Jordan blocked the ICIJ web site hours before the Pandora papers release). This explains why existing political bodies seem incapable of closing down systems that enable wealth hiding and tax dodging. 

“It demonstrates that the people that could end the secrecy of offshore systems… are themselves benefiting from it,” said Gerald Ryle, director of the ICIJ. “So there’s no incentive for them to end it.”

3. The US is Exposed as a Global Tax Haven 

U.S. citizens are under-represented in these leaks, largely due to where the service providers are located. No U.S. wealth-advisory firms were part of the leaks. Nonetheless over 700 companies revealed in the Pandora papers have ties to beneficial owners connected to the United States.

The Pandora Papers do, however, expose how the U.S. has become a global destination for global wealth, some of it ill-gotten. The Panama Papers, the Paradise Papers (Bermuda and Singapore) and Luanda Leaks (Angola) all reinforced the misperception that most of these financial shell games take place “off shore,” in secrecy jurisdictions and tax havens in small countries with weak banking laws.

But the Pandora Papers show that the U.S. and states like South Dakota now rival notoriously opaque jurisdictions in Europe and the Caribbean in financial secrecy. The states with the most active trusts revealed in the files were South Dakota (81), Florida (37), Delaware (35), Texas (24), and Nevada (14). 

4. Shady Billionaires from Around the World Are Going to South Dakota 

Findings suggest that South Dakota has sheltered billions in wealth linked to wealthy individuals previously accused of serious financial crimes and labor violations.  Two examples: Brazilian orange juice baron, Horst Happel, was fined $88 million in 2016 for underpaying his workers. In 2017, he moved substantial wealth to a trust in South Dakota.  Carlos Morales Troncoso was the former vice-president of the Dominican Republic. He ran a sugar company called Central Romana sugar company that was accused of human rights violations. He set up trusts for his daughters in the Bahamas that were moved, after his death, to South Dakota. The reason global money is flowing to the “Mount Rushmore State” is because of their low taxes and advantageous dynasty trusts.

5. The Pandora Papers Will Boost the Case for US Tax Reform

The Pandora Papers will hopefully give a boost to the US Congress in passing a progressive tax plan to fund the Build Back Better program—and that includes money for IRS enforcement to ensure the wealthy pay their fair share. 

As The Guardian reports: “The Pandora papers also place a revealing spotlight on the offshore system itself. In a development likely to prove embarrassing for US President, Joe Biden, who has pledged to lead efforts internationally to bring transparency to the global finance system, the US emerges from the leak as a leading tax haven.  The files suggest the state of South Dakota, in particular, is shelter billions of dollars in wealth linked to individuals previously accused of serious financial crimes.”

Originally published on Common Dreams by CHUCK COLLINS and republished under a Creative Commons license  (CC BY-NC-ND 3.0).

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‘House of the Dragon’ first Trailer hints at Something Big

Photo Credit / HBO

Prequel based on Game of Thrones: Fire will Reign, GOT fans will see the history of the Targaryens come to life 

During a panel for Television Critics’ Association, the HBO network confirmed that the GOT prequel is happening and will begin filming, starting in April. The prequel, “House of the Dragon” is co-created by George R.R. Martin and based off his book “Fire & Blood”. 

The series will have a total of 10 episodes and star Paddy Considine as King Viserys Targaryen and will tell the story of the Targaryen war that happened 300 years before events in the series “Game of Thrones”. 

Other characters include Princess Rhaenyra Targaryen played by Emma D’Arcy, Queen Alicent Hightower played by Olivia Cooke, Viserys’ and Prince Daemon Targaryen played by Matt Smith.

Another character, Aegon II Targaryen, who is Princess Rhaenyra’s half-brother, also it appears, will be pivotal for the series.  The younger half sibling challenges her claim to the throne and is ultimately the cause of the civil war, however the actor that is to play the character has yet to be revealed.  

Filming is set to begin in April and based on current information will be slated for release sometime in 2022 on HBO and HBO Max.  

Check out the teaser trailer below:

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US Denounced as ‘Biggest Peddler of Financial Secrecy’ After Pandora Papers Leak

Above:Photo Collage / Lynxotic / Original Image by ICIJ

“U.S. President Biden must match his own rhetoric on shutting down global illicit finance, and start with the biggest offender—his own country.”

The leak of an enormous trove of tax haven files over the weekend offered a further glimpse into the secretive world of offshore finance—a system facilitated by the U.S. and other rich nations—and prompted calls for immediate changes to global rules that let the powerful hide their wealth, skirt their obligations, and starve governments of crucial revenue.

“This is where our missing hospitals are,” Susana Ruiz, the tax policy lead at Oxfam International, said in a statement. “This is where the pay-packets sit of all the extra teachers and firefighters and public servants we need. Whenever a politician or business leader claims there is ‘no money’ to pay for climate damage and innovation, for more and better jobs, for a fair post-Covid recovery, for more overseas aid, they know where to look.”

“Tax havens cost governments around the world $427 billion each year,” Ruiz added. “That is the equivalent of a nurse’s yearly salary every second of every hour, every day. Ordinary taxpayers have to pick up the pieces. Developing countries are being hardest hit, proportionately. Corporations and the wealthiest individuals that use tax havens are out-competing those who don’t. Tax havens also help crime and corruption to flourish.”

Like the 2016 Panama Papers, the International Consortium of Investigative Journalists’ (ICIJ) Pandora Papers shine additional light on the functioning of a “shadow economy” that world leaders, celebrities, and billionaire business moguls—including some accused of egregious crimes—are exploiting to shield trillions of dollars in assets from transparency and taxation.

The 11.9 million files obtained, analyzed, and leaked by the ICIJ reveal the closely-guarded financial maneuverings of more than 330 politicians and top public officials from nearly 100 countries and territories, including dozens of current national leaders.

“The secret documents expose offshore dealings of the King of Jordan, the presidents of Ukraine, Kenya, and Ecuador, the prime minister of the Czech Republic, and former British Prime Minister Tony Blair,” ICIJ notes in a summary of its sprawling cache of documents. “The files also detail financial activities of Russian President Vladimir Putin’s ‘unofficial minister of propaganda’ and more than 130 billionaires from Russia, the United States, Turkey, and other nations.”

The trove also links prominent athletes, models, and artists to offshore assets, including India’s famous cricketer Sachin Tendulkar, pop music star Shakira, and supermodel Claudia Schiffer.

But Alex Cobham, chief executive of the Tax Justice Network, cautioned that a narrow focus on the individuals who have made use of an international tax system rigged in their favor diverts attention from the institutions and countries that have done the rigging.

“These personal actions are shameful and will no doubt come under great scrutiny in the coming days, but it’s important that we don’t lose sight of one crucial fact: few of the individuals had any role in turning the global tax system into an ATM for the superrich,” Cobham wrote in a blog post on Sunday. “That honor goes to the professional enablers—banks, law firms, and accountants—and the countries that facilitate them.”

Cobham observed that the Pandora Papers—the product of a nearly two-year investigation by more than 600 journalists in 117 countries and territories—confirm that the United States is “the world’s biggest peddler of financial secrecy.”

“The biggest blockers to transparency are the U.S. … and the U.K., the leader of the world’s biggest tax haven network,” Cobham wrote. “We need full transparency so we can hold tax abusers accountable, especially when our politicians are among them. U.S. President Biden must match his own rhetoric on shutting down global illicit finance, and start with the biggest offender—his own country.”

As the ICIJ notes, the new files show in some detail “how the United States, in particular, has become an increasingly attractive destination for hidden wealth, although the U.S. and its Western allies condemn smaller countries for allowing the flow of money and assets tied to corruption and crime.”

“The Pandora Papers include documents from 206 U.S. trusts in 15 states and Washington, D.C., and 22 U.S. trustee companies,” the ICIJ points out. “The documents provide details about the movement of hundreds of millions of dollars from offshore havens in the Caribbean and Europe into South Dakota, a sparsely populated American state that has become a major destination for foreign money.”

“We in the U.S. should be embarrassed that we’ve become a magnet for kleptocratic funds,” said Chuck Collins, director of the Program on Inequality and the Common Good at the Institute for Policy Studies.

Conspicuously absent from the Pandora Papers is any mention of the wealthiest people in the U.S., including Bill Gates, Elon Musk, Warren Buffett, and Jeff Bezos—the richest man in the world. But as the Washington Post explains, that could be because “the uber-rich in the United States tend to pay such low tax rates that they have less incentive to seek offshore havens.”

In response to the Pandora Papers revelations, Oxfam called on world governments to crack down on tax havens by taking a number of steps, including:

  1. Ending tax secrecy on individuals, offshores, and multinational corporations. Set up a public register on the real owners of bank accounts, trusts, shell companies, and assets. Require multinational corporations to publicly report their accounts where they do business, country-by-country.
  2. Increasing the use of automatic exchange, allowing revenue authorities access to information they need to track the money.
  3. Ending corporate profit shifting to tax havens via new rules, and by setting a global minimum tax under the OECD’s BEPS deal, ideally of around 25%.
  4. Agreeing a global blacklist of tax havens and taking counter measures, including sanctions, to limit their use.
  5. Setting a new global agenda on taxing wealth and capital fairly; addressing tax competition between countries on high-net-worth-individuals, either on income or wealth, against agreed standards.

“Governments’ promises to end tax havens are still a long way from being realized,” said Ruiz. “We cannot allow tax havens to continue to stretch global inequality to breaking point while the world experiences the largest increase in extreme poverty in decades.”

Originally published on Common Dreams by JAKE JOHNSON and republished under a Creative Commons License (CC BY-NC-ND 3.0).

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Live Mode in iOS 15.1 Find My app is Whack! See Video Now

With live view in Find My and ETA in Maps, iOS 15 is on a whole new level with keeping track of traveling significant others

Find My App (left) in iOS 15

In an update that is “just there” there has been an upgrade to the performance of the oft overlooked Find My app for iOS 15. In case you don’t use it, it’s the app that will help you find your iPhone or other iCloud connected device, as well as AirTags (or third-party geolocation products) and the devices they are attached to.

When you are following a person, generally with an iPhone or iPad (though, again the above additions and exceptions apply) you can click on that person’s name or icon (once they’ve allowed you to see their location (by turning on share my location in the FindMy app on their iPhone), in Find My and the their current location will show on the screen.

This is especially helpful, of course, if they are driving home from work, or on a road trip and you would like to follow along to see when they arrive, as examples. This level of intimate knowledge may not be necessary or appropriate for every contact in your address book (!) but between significant others (one obvious example) it can be incredibly useful.

One caveat, however, is that since this is a “stealth” update that “just works” your actual results may not be the same. Our video example was accomplished with two connected iPhone 13 Pro Max phones, both having 5G connectivity. Your results may vary.

With live view and in conjunction with the Maps app location tracking is now in a whole new universe

The update, which has been in a gradual roll-out since the public release of iOS 15 and upgraded in iOS 15.1 is a live feature where you can literally see the person (the icon or photo they have set) as they are driving, or even walking, and follow along with a moving map that updates in real time.

If used, for example while driving and using maps for the route, the map will update incrementally, showing the progress with a highlighted route all the way to the destination, while in FindMy there will be a second by millisecond live map showing the actual location as it changes. See the video above for the full effect!

The Maps app will also send notices and updates with an Estimated Time of Arrival (ETA) and will re-notify if the arrival time is significantly sooner or later (the exact amount that is deemed enough of a change to trigger a notification is unclear.

Just plain fun to watch, but also useful if the movements of a loved on are critical

There is also a secret, exclusive tip that we can divulge, which we stumbled on through trial and error. If you are watching someone driving, say on a freeway with little traffic, and they are moving smoothly along, but you want to see them at full speed, you can do the following:

  1. Use a two-finger pinch-and-zoom gesture 3-4 times – the 3 or 4th gesture will zoom in to-the-max
  2. Repeat #1 to maintain zoomed in status
  3. Allow Find My live view to re-set to the standard zoom (medium)
  4. Repeat as desired

Using this technique the person / car will be seen in an extreme close-up of the road (highway, freeway, etc.) and will appear to be traveling at the actual speed they currently are in relation to the zoom.

Think of it like a virtual drone that is following the car / person and then dives in close and has to keep pace to keep the subject in frame. Crazy.

In zoomed in mode it is also possible to do a one-finger-swipe in the direction of movement in order to keep the car / person in view (rather than letting them drive starlight off the edge of the iPhone screen).

The future is out there, and already here on your phone (with enough bandwidth and other possible requirements).

Increasing this feature to this degree of intensely detailed functionality may not be much more than a basic useful feature on overdrive, but applications for the future, for example the same feature but with satellite imagery, or maybe a simulated live view, could be a metaverse standard communication activity. We might all need to get used to having the ability to stay literally connected (in a virtual way) even as we hurtle through space. In a self-driving Apple Car, perhaps?



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In Scathing Senate Testimony, Whistleblower Warns Facebook a Threat to Children and Democracy

Above: Photo Collage / Lynxotic

Frances Haugen said the company’s leaders know how to make their platforms safer, “but won’t make the necessary changes because they have put their astronomical profits before people.

Two days after a bombshell “60 Minutes” interview in which she accused Facebook of knowingly failing to stop the spread of dangerous lies andhateful content, whistleblower Frances Haugen testified Tuesday before U.S. senators, imploring Congress to hold the company and its CEO accountable for the many harms they cause.

Haugen—a former Facebook product manager—told the senators she went to work at the social media giant because she believed in its “potential to bring out the best in us.”

“But I’m here today because I believe Facebook’s products harm children, stoke division, and weaken our democracy,” she said during her opening testimony. “The company’s leadership knows how to make Facebook and Instagram safer, but won’t make the necessary changes because they have put their astronomical profits before people.”

“The documents I have provided to Congress prove that Facebook has repeatedly misled the public about what its own research reveals about the safety of children, the efficacy of its artificial intelligence systems, and its role in spreading divisive and extreme messages,” she continued. “I came forward because I believe that every human being deserves the dignity of truth.”

“I saw Facebook repeatedly encounter conflicts between its own profits and our safety,” Haugen added. “Facebook consistently resolved its conflicts in favor of its own profits.”

“In some cases, this dangerous online talk has led to actual violence that harms and even kills people,” she said.

Addressing Monday’s worldwide Facebook outage, Haugen said that “for more than five hours, Facebook wasn’t used to deepen divides, destabilize democracies, and make young girls and women feel bad about their bodies.”

“It also means that millions of small businesses weren’t able to reach potential customers, and countless photos of new babies weren’t joyously celebrated by family and friends around the world,” she added. “I believe in the potential of Facebook. We can have social media we enjoy that connects us without tearing apart our democracy, putting our children in danger, and sowing ethnic violence around the world. We can do better.”

Doing better will require Congress to act, because Facebook “won’t solve this crisis without your help,” Haugen told the senators, echoing experts and activists who continue to call for breaking up tech giants, banning the surveillance capitalist business model, and protecting rights and democracy online.

She added that “there is nobody currently holding Zuckerberg accountable but himself,” referring to Facebook co-founder and CEO Mark Zuckerberg.

Sen. Richard Blumenthal (D-Conn.)—chair of the Senate Consumer Protection, Product Safety, and Data Security Subcommittee—called on Zuckerberg to testify before the panel.

“Mark Zuckerberg ought to be looking at himself in the mirror today and yet rather than taking responsibility, and showing leadership, Mr. Zuckerberg is going sailing,” he said.

“Big Tech now faces a Big Tobacco, jaw-dropping moment of truth. It is documented proof that Facebook knows its products can be addictive and toxic to children,” Blumenthal continued.

“The damage to self-interest and self-worth inflicted by Facebook today will haunt a generation,” he added. “Feelings of inadequacy and insecurity, rejection, and self-hatred will impact this generation for years to come. Our children are the ones who are victims.”

Originally published on Common Dreams by BRETT WILKINSand republished under Creative Commons (CC BY-NC-ND 3.0).

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There’s a Multibillion-Dollar Market for Your Phone’s Location Data

Above: Photo / Adobe Stock

A huge but little-known industry has cropped up around monetizing people’s movements

Companies that you likely have never heard of are hawking access to the location history on your mobile phone. An estimated $12 billion market, the location data industry has many players: collectors, aggregators, marketplaces, and location intelligence firms, all of which boast about the scale and precision of the data that they’ve amassed.

Location firm Near describes itself as “The World’s Largest Dataset of People’s Behavior in the Real-World,” with data representing “1.6B people across 44 countries.” Mobilewalla boasts “40+ Countries, 1.9B+ Devices, 50B Mobile Signals Daily, 5+ Years of Data.” X-Mode’s website claims its data covers “25%+ of the Adult U.S. population monthly.”

In an effort to shed light on this little-monitored industry, The Markup has identified 47 companies that harvest, sell, or trade in mobile phone location data. While hardly comprehensive, the list begins to paint a picture of the interconnected players that do everything from providing code to app developers to monetize user data to offering analytics from “1.9 billion devices” and access to datasets on hundreds of millions of people. Six companies claimed more than a billion devices in their data, and at least four claimed their data was the “most accurate” in the industry.

The Location Data Industry: Collectors, Buyers, Sellers, and Aggregators

The Markup identified 47 players in the location data industry

Created by Joel Eastwood and Gabe Hongsdusit. Source: The Markup. (See our data, including extended company responses, here.)

“There isn’t a lot of transparency and there is a really, really complex shadowy web of interactions between these companies that’s hard to untangle,” Justin Sherman, a cyber policy fellow at the Duke Tech Policy Lab, said. “They operate on the fact that the general public and people in Washington and other regulatory centers aren’t paying attention to what they’re doing.” 

Occasionally, stories illuminate just how invasive this industry can be. In 2020, Motherboard reported that X-Mode, a company that collects location data through apps, was collecting data from Muslim prayer apps and selling it to military contractors. The Wall Street Journal also reported in 2020 that Venntel, a location data provider, was selling location data to federal agencies for immigration enforcement. 

A Catholic news outlet also used location data from a data vendor to out a priest who had frequented gay bars, though it’s still unknown what company sold that information. 

Many firms promise that privacy is at the center of their businesses and that they’re careful to never sell information that can be traced back to a person. But researchers studying anonymized location data have shown just how misleading that claim can be. 

The truth is, it’s hard to know all the ways in which your movements are being tracked and traded. Companies often reveal little about what apps serve as the sources of data they collect, what exactly that data consists of, and how far it travels. To piece together a picture of the ecosystem, The Markup reviewed the websites and marketing language of each of the 47 companies we identified as operating in the location data industry, as well as any information they revealed about how the data got to them. (See our methodology here.)

How the Data Leaves Your Phone

Most times, the location data pipeline starts off in your hands, when an app sends a notification asking for permission to access your location data. 

Apps have all kinds of reasons for using your location. Map apps need to know where you are in order to give you directions to where you’re going. A weather, waves, or wind app checks your location to give you relevant meteorological information. A video streaming app checks where you are to ensure you’re in a country where it’s licensed to stream certain shows. 

But unbeknownst to most users, some of those apps sell or share location data about their users with companies that analyze the data and sell their insights, like Advan Research. Other companies, like Adsquare, buy or obtain location data from apps for the purpose of aggregating it with other data sources. Companies like real estate firms, hedge funds and retail businesses might then turn and use the data for their own advertising, analytics, investment strategy, or marketing purposes. 

Serge Egelman, a researcher at UC Berkeley’s ​​International Computer Science Institute and CTO of AppCensus, who has researched sensitive data permissions on mobile apps, said it’s hard to tell which apps on your phone simply use the data for their own functional purposes and which ones release your data into the economic ether.

“When the app asks for location, in the moment, because maybe you click the button to find stuff near you and you get a permission dialog, you might reasonably infer that ‘Oh, that’s to service that request to provide that functionality,’ but there’s no guarantee of that,” Egelman said. “And there’s certainly usually never a disclosure that says that the data is going to be limited to that purpose.”

Companies that trade in this data are reluctant to share which apps they get data from. 

The Markup asked spokespeople from all the companies on our list where they get the location data they obtain. 

Companies like Adsquare and Cuebiq told The Markup that they don’t publicly disclose what apps they get location data from to keep a competitive advantage but maintained that their process of obtaining location data was transparent and with clear consent from app users. 

“It is all extremely transparent,” said Bill Daddi, a spokesperson for Cuebiq.

He added that consumers must know what the apps are doing with their data because so few consent to share it. “The opt-in rates clearly confirm that the users are fully aware of what is happening because the opt-in rates can be as low as less than 20%, depending on the app,” Daddi said in an email. 

Yiannis Tsiounis, the CEO of the location analytics firm Advan Research, said his company buys from location data aggregators, who collect the data from thousands of apps—but would not say which ones. Tsiounis said the apps he works with do explicitly say that they share location data with third parties somewhere in the privacy policies, though he acknowledged that most people don’t read privacy policies. 

“There’s only so much you can squeeze into the notification message. You get one line, right? So you can’t say all of that in the notification message,” Tsiounis said. “You only get to explain to the user, ‘I need your location data for X, Y, and Z.’ What you have to do is, there has to be a link to the privacy policy.”  

Only one company spokesperson, Foursquare’s Ashley Dawkins, actually named any specific apps—Foursquare’s own products, like Swarm, CityGuide, and Rewards—as sources for its location data trove. 

But Foursquare also produces a free software development kit (SDK)—a set of prebuilt tools developers can use in their own apps—that can potentially track location through any app that uses it. Foursquare’s Pilgrim SDK is used in apps like GasBuddy, a service that compares prices at nearby gas stations, Flipp, a shopping app for coupons, and Checkout 51, another location-based discount app. 

GasBuddy, Flipp, and Checkout 51 didn’t respond to requests for comment.

A search on Mighty Signal, a site that analyzes and tracks SDKs in apps, found Foursquare’s Pilgrim SDK in 26 Android apps. 

While not every app with Foursquare’s SDK sends location data back to the company, the privacy policies for Flipp, Checkout 51, and GasBuddy all disclose that they share location data with the company.

Foursquare’s method of obtaining location data through an embedded SDK is a common practice. Of the 47 companies that The Markup identified, 12 of them advertised SDKs to app developers that could send them location data in exchange for money or services.

Placer.ai says in its marketing that it does foot traffic analysis and that its SDK is installed in more than 500 apps and has insights on more than 20 million devices. 

“We partner with mobile apps providing location services and receive anonymized aggregated data. Very critically, all data is anonymized and stripped of personal identifiers before it reaches us,” Ethan Chernofsky, Placer.ai’s vice president of marketing, said in an email. 

Into the Location Data Marketplace 

Once a person’s location data has been collected from an app and it has entered the location data marketplace, it can be sold over and over again, from the data providers to an aggregator that resells data from multiple sources. It could end up in the hands of a “location intelligence” firm that uses the raw data to analyze foot traffic for retail shopping areas and the demographics associated with its visitors. Or with a hedge fund that wants insights on how many people are going to a certain store.

“There are the data aggregators that collect the data from multiple applications and sell in bulk. And then there are analytics companies which buy data either from aggregators or from applications and perform the analytics,” said Tsiounis of Advan Research. “And everybody sells to everybody else.” 

Some data marketplaces are part of well-known companies, like Amazon’s AWS Data Exchange, or Oracle’s Data Marketplace, which sell all types of data, not just location data. Oracle boasts its listing as the “world’s largest third-party data marketplace” for targeted advertising, while Amazon claims to “make it easy to find, subscribe to, and use third-party data in the cloud.” Both marketplaces feature listings for several of the location data companies that we examined.

Amazon spokesperson Claude Shy said that data providers have to explain how they gain consent for data and how they monitor people using the data they purchase.

“Only qualified data providers will have access to the AWS Data Exchange. Potential data providers are put through a rigorous application process,” Shy said. 

Oracle declined to comment.

Other companies, like Narrative, say they are simply connecting data buyers and sellers by providing a platform. Narrative’s website, for instance, lists location data providers like SafeGraph and Complementics among its 17 providers with more than two billion mobile advertising IDs to buy from. 

But Narrative CEO Nick Jordan said the company doesn’t even look at the data itself. 

“There’s a number of companies that are using our platform to acquire and/or monetize geolocation data, but we actually don’t have any rights to the data,” he said. “We’re not buying it, we’re not selling it.” 

To give a sense of how massive the industry is, Amass Insights has 320 location data providers listed on its directory, Jordan Hauer, the company’s CEO, said. While the company doesn’t directly collect or sell any of the data, hedge funds will pay it to guide them through the myriad of location data companies, he said.

“The most inefficient part of the whole process is actually not delivering the data,” Hauer said. “It’s actually finding what you’re looking for and making sure that it’s compliant, making sure that it has value and that it is exactly what the provider says it is.”

Oh, the Places Your Data Will Go

There are a whole slew of potential buyers for location data: investors looking for intel on market trends or what their competitors are up to, political campaigns, stores keeping tabs on customers, and law enforcement agencies, among others.

Data from location intelligence firm Thasos Group has been used to measure the number of workers pulling extra shifts at Tesla plants. Political campaigns on both sides of the aisle have also used location data from people who were at rallies for targeted advertising.

Fast food restaurants and other businesses have been known to buy location data for advertising purposes down to a person’s steps. For example, in 2018, Burger King ran a promotion in which, if a customer’s phone was within 600 feet of a McDonalds, the Burger King app would let the user buy a Whopper for one cent.

The Wall Street Journal and Motherboard have also written extensively about how federal agencies including the Internal Revenue Service, Customs and Border Protection, and the U.S. military bought location data from companies tracking phones. 

Of the location data firms The Markup examined, the offerings are diverse. 

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Advan Research, for instance, uses historical location data to tell its customers, largely retail businesses or their private equity firm owners, where their visitors came from, and makes guesses about their income, race, and interests based on where they’ve been. 

“For example, we know that the average income in this neighborhood by census data is $50,000. But then there are two devices—one went to Dollar General, McDonald’s, and Walmart, and the other went to a BMW dealer and Tiffany’s … so they probably make more money,” Advan Research’s Tsiounis said.

Others combine the location data they obtain with other pieces of data gathered from your online activities. Complementics, which boasts data on “more than a billion mobile device IDs,” offers location data in tandem with cross-device data for mobile ad targeting.

The prices can be steep. 

Outlogic (formerly known as X-Mode) offers a license for a location dataset titled “Cyber Security Location data” on Datarade for $240,000 per year. The listing says “Outlogic’s accurate and granular location data is collected directly from a mobile device’s GPS.” 

At the moment, there are few if any rules limiting who can buy your data. 

Sherman, of the Duke Tech Policy Lab, published a report in August finding that data brokers were advertising location information on people based on their political beliefs, as well as data on U.S. government employees and military personnel. 

“There is virtually nothing in U.S. law preventing an American company from selling data on two million service members, let’s say, to some Russian company that’s just a front for the Russian government,” Sherman said. 

Existing privacy laws in the U.S., like California’s Consumer Privacy Act, do not limit who can purchase data, though California residents can request that their data not be “sold”—which can be a tricky definition. Instead, the law focuses on allowing people to opt out of sharing their location in the first place. 

​​The European Union’s General Data Protection Regulation has stricter requirements for notifying users when their data is being processed or transferred. 

But Ashkan Soltani, a privacy expert and former chief technologist for the Federal Trade Commission, said it’s unrealistic to expect customers to hunt down companies and insist they delete their personal data.

 “We know in practice that consumers don’t take action,” he said. “It’s incredibly taxing to opt out of hundreds of data brokers you’ve never even heard of.”  

Companies like Apple and Google, who control access to the app stores, are in the best position to control the location data market, AppCensus’s Egelman said. 

“The real danger is the app gets booted from the Google Play store or the iOS app store,” he said.” As a result, your company loses money.” 

Google and Apple both recently banned app developers from using location reporting SDKs from several data companies.  

Researchers found, however, that the companies’ SDKs were still making their way into Google’s app store. 

Apple didn’t respond to a request for comment. 

“The Google Play team is always working to strengthen privacy protections through both product and policy improvements. When we find apps or SDK providers that violate our policies, we take action,” Google spokesperson Scott Westover said in an email.

Digital privacy has been a key policy issue for U.S. senator Ron Wyden, a Democrat from Oregon, who told The Markup that the big app stores needed to do more. 

“This is the right move by Google, but they and Apple need to do more than play whack-a-mole with apps that sell Americans’ location information. These companies need a real plan to protect users’ privacy and safety from these malicious apps,” Wyden said in an email. 

This article was originally published on The Markup and written by By: Jon Keegan and Alfred Ng was republished under the Creative Commons Attribution-NonCommercial-NoDerivatives license (CC BY-NC-ND 4.0).

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Recent White House Study on Taxes Shows the Wealthy Pay a Lower Rate Than Everybody Else

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Recent White House Study on Taxes Shows the Wealthy Pay a Lower Rate Than Everybody Else

A decade ago, in an essay for The New York Times, Warren Buffett disclosed that he had paid nearly $7 million in federal taxes in 2010. “That sounds like a lot of money,” he wrote. “But what I paid was only 17.4 percent of my taxable income — and that’s actually a lower percentage than was paid by any of the other 20 people in our office. Their tax burdens ranged from 33 percent to 41 percent and averaged 36 percent.”

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The words “taxable income” are doing a lot of work in that sentence.

Buffett owns a substantial number of shares in Berkshire Hathaway, the fabulously successful holding company he founded decades ago. As the company’s shares have soared nearly every year, his wealth has grown by billions. Under the U.S. tax code, none of that is taxed until he sells shares at a profit.

A little math shows that Buffett’s 17.4% rate meant he reported roughly $40.2 million in income in a year where Forbes said his wealth grew by $3 billion. His revelation made it possible to compare how much he was paying the government to the increase in the size of his fortune.

No one did so, and Buffett became something of a folk hero for calling for any increase in taxes.

When we obtained access to a trove of tax data on the richest Americans, it quickly became clear to our reporters that Buffett’s comparison of his own tax rate to his employees’ vastly understates the inequity of our tax system. Buffett is far from unique; the documents showed that the amount of money people like Michael Bloomberg, Jeff Bezos or Elon Musk reported to the IRS as income was infinitesimal when measured against their annual gains in wealth.

And so the first story in our “Secret IRS Files” series set out a new concept that makes more sense in our 21st century Gilded Age; we called it “the true tax rate.” We compared the annual taxes paid by the ultrarich to their wealth gains to give readers a sense of how the system really works.

From 2014 to 2018, we pointed out, Buffett paid $125 million in federal taxes. As he said, that sounds like a lot. But according to Forbes, his riches rose $24.3 billion during that period, making his true tax rate 0.1%. In a detailed written response, Buffett defended his practices but did not directly address ProPublica’s true tax rate calculation.

When we published this story, howls of rage rang out from the freewheeling corners of Twitter to the ornate offices on Wall Street. Some of the most irate critics wrote to me directly and demanded to know whether I was so @#$!@ stupid that I didn’t understand the meaning of the word “income tax.”

“This story, sadly, reeks with ‘class envy,’” one angry reader wrote. “If this was intended to get clicks, you made your money.” We’re a nonprofit and our revenue from advertising adds almost nothing to our annual budget, but I understand this reader’s larger point, which we noted in the story: The ultrarich are doing only what the current tax code invites them to do.

The debate intensified, and the White House-backed proposals on taxes advanced by congressional Democrats largely followed the traditional approach of raising rates on income. A separate bill introduced by Sens. Elizabeth Warren and Bernie Sanders to impose a 3% tax on all wealth above $1 billion is seen as having little chance of passing.

The reluctance to embrace a wealth tax is deeply rooted. The biggest donors to both parties would be hit hard by such a law. And as we pointed out in our initial story, the complexities of taxing wealth are not trivial. Several countries have tried and struggled to figure out a fair way to tax stock gains. Does an entrepreneur whose stock skyrockets in one year, and pays a big tax, deserve a rebate if his company’s shares plummet the next year?

All of that said, we took note when White House economists issued a study that used publicly available data to estimate “the average Federal individual income tax rate paid by the 400 wealthiest American families’ in recent years, determined using a more comprehensive measure of income.” Their methodology was similar to ours, and their findings — that those families gained $1.8 trillion from 2010 to 2018 and paid 8.2% in taxes — are in line with what we found in the tax data.

The authors say their findings are evidence in support of President Joe Biden’s plan for tweaking the existing system; the words “wealth tax” are not mentioned. They point to the administration’s proposal to impose higher tax rates on stock dividends and on capital gains, the profit an investor reaps when selling a stock whose value has risen.

(The Biden administration has proposed getting rid of a provision in the tax code that shields heirs who inherit stock from paying capital gains tax on the growth in value that occurred before the shares were transferred.)

None of the proposed changes come close to addressing the biggest hole in the system, which is that an ultrarich person can live comfortably off gains in wealth while never selling a single share. As our initial story pointed out, the Buffetts and Bezos of the world can borrow against the value of their considerable holdings and live comfortably without selling stock or receiving any income from dividends, which new companies like Tesla and Amazon don’t pay.

The strategy, known as “buy, borrow and die,” allows the wealthy to amass fast fortunes, pay no taxes on those gains and pass on much of the wealth to their descendants.

Herb and Marion Sandler, the founders of ProPublica, made it clear from the outset that they hoped our journalism would spur real-world change. They were not particularly interested in stories whose biggest effect was that they had “started a conversation.”

We still measure our success by tangible effects. But over the years, we have seen that the road to impact on very complex issues can begin by changing the conversation.

Lawmakers have said that some of the most egregious tax loopholes we’ve exposed, notably multibillion-dollar Roth IRA accounts, will be scrutinized as Congress takes up tax legislation in coming months.

There’s no telling where the larger conversation about taxing wealth will lead. As the White House paper suggests, a new way of thinking about equality and taxation has taken center stage. Whether that ultimately results in change remains very much an open question.

Originally published on ProPublica by Stephen Engelberg and republished under a Creative Commons License (CC BY-NC-ND 3.0)

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The Government Gave Free PPP Money to Public Companies Despite Warning Them Not to Apply

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As Congress launched a historic bailout to keep businesses afloat at the outset of the pandemic, government officials stressed that the loans were for mom-and-pop operations that didn’t have another easily available lifeline.

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“This was a program designed for small businesses,” then-Treasury Secretary Steven Mnuchin said, as companies like Shake Shack and Potbelly made headlines for grabbing millions from the newly created Paycheck Protection Program. “It was not a program that was designed for public companies that had liquidity.”

House Minority Leader Kevin McCarthy was even clearer. “We will go after those big companies that cheat the system,” he told Fox News that spring.

But the tough talk hasn’t translated into action. Instead, a ProPublica review has found, the government gave out generous loans to companies that may not have needed them. And it has often forgiven the loans, despite having said that publicly traded companies would be unlikely to merit such generous treatment.

Take Lazydays Holdings, a publicly traded collection of RV dealerships that got a nearly $9 million loan. The company had $31 million in cash on hand at the end of 2019, and then prospered as Americans turned to RVs for socially distanced vacations. Lazydays’ stock price has shot up more than 500% during the pandemic. (Lazydays did not respond to requests for comment.) The government has forgiven nearly all of it, allowing Lazydays to keep the money.

The ProPublica analysis of Securities and Exchange Commission filings found at least 120 publicly traded companies that received loans of more than $500,000, grew their revenues last year and have been allowed to keep the money.

In addition, at least 30 companies announced plans to go public after receiving their loans, bringing in truckloads of investor cash that they often used to pay off other debts — but not the ones they owed to the federal government, all of which were forgiven.

Overall, ProPublica found at least $250 million that went to publicly traded companies with growing revenues and that has already been forgiven by the government. That’s just a sliver of the $800 billion PPP program. But it’s also almost certainly a significant undercount of the amount of taxpayer dollars that went to well-heeled companies. The count, for instance, doesn’t include any of the billions of dollars that went to firms backed by giant private equity funds. Their finances are not publicly disclosed.

The government had no rules requiring companies to pay back loans if it turned out they didn’t need the money.

Instead, the government had one modest requirement particularly relevant to publicly traded companies: It made all applicants for loans attest that pandemic-related uncertainty made the loan “necessary.” And it warned in a follow-up advisory that having access to cash elsewhere — as public companies usually do via investors — would make it difficult to take that pledge in good faith.

But the government has rarely followed up. The Small Business Administration, which oversees the PPP, discarded a questionnaire it had begun sending companies to quiz them on their financial situations.

In response to questions from ProPublica, the SBA said that it is examining all forgiveness applications to make sure they comply with the rules. “We are continuously aware of our role in the stewardship of federal funds to ensure the integrity of our programs, and we have rigorous processes in place to ensure appropriate oversight of loans of all sizes,” spokesperson Christalyn Solomon said.

But the SBA declined to provide evidence of how it is evaluating whether public applicants were honest when they said their loans were “necessary.” Experts say that’s because lawmakers offered no specifics on what they meant by “necessary” from the outset, leaving the program’s administrators with no objective basis on which to demand repayment.

“Congress needed to say to the SBA, ‘This is what constitutes need,’” said Liz Hempowicz, director of public policy at the nonprofit Project on Government Oversight. “If you have access to excess capital in any form, that absolutely should’ve been baked into the program from the beginning.”

By many metrics, the federal government’s response to the pandemic succeeded in alleviating the worst effects of the most abrupt pause in economic activity America has ever experienced. Unlike most safety net programs, it did so by erring on the side of generosity. The government’s supplemental unemployment insurance and stimulus checks were enough to actually lower poverty last year.

The same philosophy applied to relief for businesses. The government kept the PPP application simple to encourage companies to participate, and banks were paid to move the loans along without asking many questions. While the program was built on the chassis of the SBA’s standard loan program, it dispensed with many of its rules, such as a requirement that applicants demonstrate they couldn’t obtain reasonably priced credit elsewhere.

In the first round of the bailout, which was quickly depleted, companies did not have to prove that they had actually been impacted by COVID-19.

Instead, the application required them to certify that “current economic uncertainty makes this loan request necessary to support the ongoing operations of the applicant.” Facing confusion from corporate lawyers who said the language was vague, the SBA released further guidance in late April 2020.

The clarification specifically warned public companies that they probably wouldn’t meet the threshold. “Borrowers must make this certification in good faith, taking into account their current business activity and their ability to access other sources of liquidity,” the agency wrote. “It is unlikely that a public company with substantial market value and access to capital markets will be able to make the required certification in good faith.”

That admonition had some effect. According to a study forthcoming in the Review of Corporate Finance Studies, half of all public companies qualified for the loans, but only 42% of those eligible chose to take them. That compared to 87% of all eligible private companies. (The PPP generally excluded companies with more than 500 employees.) On average, the 812 public firms that took loans had less cash and more debt than those that didn’t borrow. The public companies collectively borrowed $2.2 billion, but 13.5% of them repaid their loans, mostly soon after the SBA’s April guidance.

But because Congress didn’t impose any actual requirements to return the money, many companies didn’t. Some even shrugged off congressional pressure to do so.

In May 2020, a House oversight subcommittee sent letters asking five large public companies to return their $10 million loans. One of them did. The other four refused, and they eventually all received forgiveness (with one asking for slightly less than the whole amount).

They included a contractor for the U.S. Postal Service called EVO Transportation and Energy Services, which hasn’t filed financial reports for all of 2020 after discovering problems with its 2019 disclosures.

The company didn’t respond to a request for comment.

The SBA began processing forgiveness applications after the first round of PPP loans was exhausted in August 2020. It decided that all borrowers of less than $2 million would automatically be “deemed” truthful in their pledges that their loans were necessary.

For those who borrowed more, it issued a nine-page “loan necessity questionnaire” that asked about the recipient’s ownership structure, cash on hand pre-pandemic, revenues during the time when the loan was supposed to be used and access to other capital.

That didn’t go over well.

Last December, a construction industry trade group sued, saying the SBA questionnaire violated the original guidance that implied forgiveness would be determined by what companies knew at the time they applied, without regard to what happened later. In July, the agency stopped using the questionnaire, saying that the form was burdensome for borrowers and a drain on auditing resources.

Without companies’ answers, the SBA has developed a machine-learning algorithm that flags loans for signs of potential fraud, such as payroll numbers that don’t add up. As of last month, agency data showed, investigators had reviewed 65,000 loans, 8,000 of which, totaling $2.7 billion, were referred for further analysis. Of those, only 300 loans were for more than $2 million.

The agency declined to say how many forgiveness applications have been rejected after going through this process, or how, without using the discontinued questionnaire, it has evaluated whether the loans were necessary.

The Securities and Exchange Commission also issued inquiries to some companies about their representations to investors, but a spokesperson declined to say whether any enforcement actions had been taken as a result.

A former finance manager at one company that received millions in PPP money and hasn’t paid it back said that he’d hoped the government would more closely examine his employer’s finances.

“I remember that questionnaire coming out, and we were thinking, ‘This might not get forgiven,’ because our cash position was a lot better at the end of the year,” the employee said. Since the questionnaire has been thrown out, he figures, companies that didn’t need the cash will end up keeping it. “The only reason to give it back is public sentiment. At that point, it’s free money.”

Waste is inevitable in any economic rescue mission. But some of it is avoidable. Experts say Congress could have created a threshold of financial health at which PPP loans would have to be repaid — without denying the lifeline many firms needed.

“We’re talking about a ridiculously low interest rate,” Hempowicz said. “There is a benefit either way, especially for bigger companies, to have received these loans, even if they aren’t then converted into grants.”

All PPP loans were forgivable if the cash was mostly spent on payroll. If a company was still seeing steady business, it could use that freed-up income for other priorities, like paying off debt and buying other companies.

That’s the happy outcome for many companies that performed well in 2020, often profiting from the very pandemic that they said put them in the position of needing a taxpayer bailout.

A chain of powersports dealers called RideNow collectively received $19 million, despite nearly tripling its net income from 2019 to 2020 as interest in motorbikes and all-terrain vehicles skyrocketed. In March 2021, the publicly traded online motorcycle sales platform RumbleOn announced it would acquire RideNow to create what it called the “only omnichannel customer experience in powersports and the largest publicly traded powersports dealership platform.” RideNow’s loans were fully forgiven in June, and RumbleOn’s forgiveness application for its original $5.1 million loan is pending.

Other examples abound. Acme United Corporation saw its sales increase 15% in 2020 because of strong demand for first-aid supplies. Its $3.5 million loan was fully forgiven. So was the $2.7 million borrowed by Conifer Holdings, an insurance company that attributed revenue growth to lower claims by businesses that were temporarily shuttered but maintained their policies — which explicitly did not cover business interruption due to infectious diseases. And the ammunition manufacturer Ammo Inc. kept $1 million after seeing its revenues triple to $62.5 million in 2020, fueled by increased consumer demand for bullets. None of those companies returned requests for comment.

Public companies aren’t the only borrowers that took more than they likely needed. Securities and Exchange Commission filings are also a window into privately held companies that have raised money in the public markets or later listed themselves on an exchange.

The venture-capital-backed person-to-person lending marketplace Prosper files earnings statements because it sells its loans to investors. The company had $64 million in unrestricted cash on hand at the end of 2019, but it still suspended its 401(k) match and cut salaries above $100,000 across the board in early 2020 — a collective reduction in compensation almost equal to the $8.4 million PPP loan it received. The pay cut also applied to the C-suite, but they had already received up to 10% base salary bumps in March 2020, so it hurt less.

In November, the company instituted a retroactive two-year bonus plan for executives — potentially totaling $3 million for five people.

Prosper did not respond to a request for comment, and its forgiveness request is still pending.

Some companies did pay the money back. At least 27 companies decided to do so while in the process of going public, since the sale of stock often generates large amounts of cash.

Luminar Technologies, an autonomous driving technology startup, gave back its $7.8 million before its Nasdaq debut.

“We decided to return the PPP loan as soon as we realized we didn’t need it anymore,” said Anthony Cooke, Luminar’s vice president for policy and regulation. “We decided to apply for a PPP loan because it gave us the flexibility to withstand uncertain times while protecting our employees. We were able to protect employees, grow our business and take it public in 2020, and we repaid our PPP loan as soon as it was feasible.”

Other companies kept the taxpayer money, even while paying off other debts.

That’s what another company in the autonomous driving business did. A Ford-backed designer of sensors called Velodyne Lidar got $10 million in government money, which a spokesperson said was “used to support our employees during a time of uncertainty.”

The company went public in September of last year, giving it $222 million in cash. The government forgave Velodyne’s loan this June.

Battery-powered bus maker Proterra got $10 million. Its revenues increased last year, and it went public this year. The company decided to keep the money, which spokesperson Shane Levy said “supported our ability to maintain a full workforce as we’ve navigated the uncertainty caused by the COVID-19 pandemic.” A Volkswagen- and UPS-backed self-driving truck company called TuSimple kept its $4.1 million after going public in a deal that generated about $1 billion; a spokesperson didn’t respond to a request for comment.

Several companies hadn’t yet had any income at all — they had been funded by investors through their entire existence, suggesting that they probably had access to other credit.

A pre-revenue electric vehicle maker called Faraday Future got $9.2 million. This past July, it launched a public offering that generated $1 billion; its loan forgiveness request is still pending. A spokesperson told ProPublica that the investor proceeds will be “budgeted to produce vehicles,” not to pay back taxpayers. Space launch services company Astra took $4.9 million in government money. As it applied for forgiveness in June, it told investors that COVID-19 “has not materially affected our future growth outlook” and ​​that it had seen “some signs of positive effects for its long-term business prospects and partnerships as a result of the pandemic.” Astra’s Nasdaq debut in July generated $463 million, and its PPP loan was forgiven last month. A spokesperson didn’t respond to a request for comment.

Another category of large PPP recipients consisted of clinical and early commercial-stage medical device and pharmaceutical companies, which are heavily investor-backed and which sometimes profited from COVID-related activity. A biotech company called PolarityTE, which makes regenerative tissue products, cut staff by 47% in 2020 and raised revenues by 79% by serving as a COVID-19 testing lab. It received $3.6 million, which was forgiven; the company didn’t respond to a request for comment.

Anything having to do with residential real estate also did well.

Fast-growing homebuilder Dream Finders Homes saw 52% earnings growth in 2020, which it attributed in part to pandemic-induced migration to suburban developments. It went public in January 2021, generating $134 million, and was granted full forgiveness on its $7.2 million loan. The company didn’t respond to a request for comment.

The home improvement services platform Porch told investors that spiking home sales in late 2020 helped it rebound from a spring business dip. It applied for forgiveness for its $8.1 million PPP loan in December, the same month it debuted on Nasdaq. With $122 million of the proceeds from its IPO, it bought four other companies; it hasn’t paid back the PPP loan, which was forgiven in June. A spokesperson declined to comment.

Finally, the type of companies that arranged the capital for all these public offerings and funding rounds — investment advisory firms — also dipped into the PPP.

Cohen & Company, a financial services firm with $2.8 billion under management, got $2.2 million. The firm saw dramatically higher income last year. Nearly all of its loan was forgiven. Another asset manager and investment banking firm, JMP Group, had $3.8 million forgiven despite having $50 million in cash at the end of 2019 and 15% revenue growth in 2020. Neither firm responded to a request for comment.

Some investment advisory firms may have used inflated claims. One study found that at least 6% of the $590 million granted to those firms was more than they could have justified given their payroll, which has to be reported to the SEC.

Writing laws is often a balancing act. One approach draws bright lines that lay out exactly what’s required, which companies often figure out a way to game. The other leaves rules more vague, relying on the regulated party to abide by the program’s intent. That eases the process for beneficiaries who really need help, but runs the risk the others will also benefit.

The PPP leaned toward the latter approach. It told companies that they probably shouldn’t apply if they had other resources at their disposal, but gave them a window to do so if they wanted. In order to make that work, there would need to be a credible threat of enforcement, or at least public shaming if they took advantage of funds meant for the truly disadvantaged.

Erik Gordon, a professor at the University of Michigan’s Ross School of Business, said the SBA should have held public companies to a higher standard of need and then audited them to ensure they’d been truthful.

“If I ran the SBA, I would say, ‘You certified that this loan request was necessary — walk us through that. You had this much cash, or you had this much loan facility open or you had no trouble raising this money,’” Gordon said.

Of course, if you don’t want public companies to apply, you could just bar them from applying. That’s what Congress did when it created a second round of the PPP in December 2020. That time around, companies were also required to demonstrate that their revenues had declined substantially in at least one quarter in order to qualify.

Sam Rosen, a finance professor at Temple University who co-authored the study on public firm participation in the PPP, said it isn’t that complicated. “If we were in a similar situation in the future, do we want public firms to have access to this?” he said. “I think it’s just about being clear up front.”

Originally published on ProPublica by Lydia DePillis and republished under a Creative Commons License (CC BY-NC-ND 3.0)

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Six-Month Sentence for Lawyer Who Took on Chevron Denounced as ‘International Outrage’

Above: Photo Collage / Lynxotic

Conviction of Steven Donziger, said one critic, “perfectly encapsulates how corporate power has twisted the U.S. justice system to protect corporate interests and punish their enemies.”

Environmental justice advocates and other progressives on Friday condemned a federal judge’s decision Friday to sentence human rights lawyer Steven Donziger to six months in prison—following more than two years of house arrest related to a lawsuit he filed decades ago against oil giant Chevron.

The sentence, delivered by U.S. District Judge Loretta Preska in New York City, represents “an international outrage,” tweeted journalist Emma Vigeland following its announcement.

Donziger’s sentence came a day after the United Nations Working Group on Arbitrary Detention said it was “appalled” by the U.S. legal system’s treatment of the former environmental lawyer and demanded the U.S. government “remedy the situation of Mr. Steven Donziger without delay and bring it in conformity with the relevant international norms” by immediately releasing him.

Donziger represented a group of farmers and Indigenous people in the Lago Agrio region of Ecuador in the 1990s in a lawsuit against Texaco—since acquired by Chevron—in which the company was accused of contaminating soil and water with its “deliberate dumping of billions of gallons of cancer-causing waste into the Amazon.”

An Ecuadorian court awarded the plaintiffs a $9.5 billion judgment in 2011—a decision upheld by multiple courts in Ecuador—only to have a U.S. judge reject the ruling, accusing Donziger of bribery and evidence tampering. Chevron also countersued Donziger in 2011. 

In 2019, U.S. District Judge Lewis A. Kaplan of the Southern District of New York—a former corporate lawyer with investments in Chevron—held Donziger in contempt of court after he refused to disclose privileged information about his clients to the fossil fuel industry. Kaplan placed Donziger under house arrest, where he has remained under strict court monitoring for 787 days.

In addition to Kaplan’s own connections to Chevron, the judge appointed private attorneys to prosecute the case, including one who had worked for a firm that represented the oil giant.

Preska, who found Donziger guilty of the contempt charges in July, is a leader of the right-wing Federalist Society, which counts Chevron among its financial backers.

“As I face sentencing on Day 787 of house arrest, never forget what this case is really about,” tweeted Donziger on Friday morning, as he awaited the sentencing. “Chevron caused a mass industrial poisoning in the Amazon that crushed the lives of Indigenous peoples. Six courts and 28 appellate judges found the company guilty.”

https://twitter.com/SDonziger/status/1443900016859430916?s=20

Donziger indicated Friday afternoon that he plans to appeal the sentence.

“Stay strong,” he tweeted along with a photo from a rally attended by his supporters Friday.

350.org co-founder and author Bill McKibben said on social media that Donziger “deserves our thanks and support” for “daring to point out that Big Oil had poisoned the rainforest.”Rick Claypool, research director for Public Citizen, tweeted that Donziger’s case “perfectly encapsulates how corporate power has twisted the U.S. justice system to protect corporate interests and punish their enemies”—noting that as Donziger is ordered to prison for six months, members of the Sackler family recently won immunity from opioid lawsuits targeting their private company, Purdue Pharma.

“This ruling was done to deter ANYONE from crossing corporate special interests,” said progressive former congressional candidate Jen Perelman.

Originally published on Common Dreams by JULIA CONLEY and republished under a Creative Commons License (CC BY-NC-ND 3.0).

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New video of Trump’s Mad House outed by Grisham’s Exposé

Stephanie Grisham’s new book exposes everything she knows about the Trumps after extensive time working in the White House. Reporters with galley proofs are exposing and releasing details that paint a sordid and alarming picture of the time, even beyond past, admittedly shocking revelations.

Grisham served multiple roles during Trump’s solo term, including as aide to former First Lady Melania Trump, as Chief of Staff, in addition to an aide to Trump as his White House Press Secretary and Communications Director.

Many of the most recent revelations focus on the former First Lady.

Check it out

Reports from those who got a sneak peak at excerpts from the upcoming book, say during the 2020 election race, Melania did not stay up for results by her husband’s side, but instead spent most of the night…. asleep.

“I knew by now how much sleep meant to her,” Grisham writes, “but still, I couldn’t imagine being asleep at a time like that. Maybe she thought that someone would wake her up if Trump won.”

(Obviously he didn’t win). Although only a small little nugget of gossip, it solidifies what many have felt about the ex-FLOTUS, as her infamous green jacket implied, she really doesn’t care.

It seems like Melania Trump DOES care about her outward reputation as both unflattering images of author Grisham were leaked to press along with a statement issued by her camp about the upcoming book:

“The intent behind this book is obvious. It is an attempt to redeem herself after a poor performance as press secretary, failed personal relationships, and unprofessional behavior in the White House. Through mistruth and betrayal, she seeks to gain relevance and money at the expense of Mrs. Trump.”

I’ll Take Your Questions Now: What I Saw in the Trump White House” will be released on Oct 5 and is available to pre-order now Bookshop

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Apple had no choice but to create Cinematic Mode: here’s the real reason why

Above: Photo / Apple

Bokeh into a corner; the coming of age for smartphone photography

Much has been said about the new camera system, and in particular, the top end iPhone 13 Pro and Pro Max versions. Cinematic mode is one new feature that has generated a lot of interest, some admiration and some confusion.

Apple marketing has not helped to clarify – the emphasis with the name and all the marketing materials and ads are jumping into the claim that this is a high-end pro replacement for prime lenses and a human focus puller. And you should make professional movies with it.

This is a valid idea, to a point, and it’s a fantastic accomplishment to have a cinematic mode at all, especially in your pocket. And, perhaps, the limitation at HD video and no 4k capability will be overcome, either in software or with the iPhone 14.

But, in reality, none of that matters. In reality this mode was absolutely necessary, with or without the autofocus “robot-focus-puller” trick.

Including the telephoto camera made the cinematic effect absolutely mandatory

So taking a small step back for a moment, let’s look at the big changes in the iPhone 13 Pro cameras compared to the iPhone 11 Pro and iPhone 12 Pro. The big change was the ultra-wide camera / lens combo along with the 3X 77mm telephoto camera / lens. In total making 6x optical zoom range possible.

It’s the 77mm that is the huge move. Why? Well, if you are a photographer and have ever worked with a prime or zoom lens of 77mm or above you will be aware of a couple of things. The size, length and weight of the lens is massive. And to duplicate that in a tiny camera module as part of a three camera array on an iPhone presents a pretty big challenge.

Obviously the size limitation makes it impossible for a “real” 77mm lens to be strapped to the back of an iPhone. And, even if the magnification was possible, what about the “look” and the quality of the image?

And what constitutes, in photographic tradition, the beauty and style that makes a long lens like a 77mm artistically desirable? Because just having the ability to get a closer view or shot of an subject without moving the camera closer is a small and relatively insignificant part of the challenge.

https://www.apple.com/newsroom/videos/iphone-13-pro-cinematic-mode/large_2x.mp4

Bokeh because it’s beautiful and highlights the subject (often a human or animal) in the video or photo.

Now, to be clear, we are really talking about video recording, not just photos. Because the portrait mode on iPhone has been around, and improving, for years, and cinematic mode is creating similar effect and adding a new level for video.

Adding a 77mm lens, however, if it was not getting the bokeh effect in the video recording, would have been a disappointment of monumental proportions for photographers and would not have been an option.

And, good news folks, the bokeh in cinematic mode when using the 77mm lens is very usable and takes the cinematic style potential into a creative realm that is “Pro”, with or without the focus pulling tricks, and / or the panning or dolly shots with a moving camera.

Both the addition of “portrait mode” backgrounds for FaceTime video, which is a look that has become standard for YouTube videographers, and, more impressively and more importantly, the ability to shift through the lens “kit” as a feature film director would, using different focal lengths (like swapping out prime lenses on a feature film shoot) is a game changer.

However, none of this would be even remotely possible if the switch from a virtual 26mm wide angle prime lens to a virtual 77mm prime did not have some emulation of the unique qualities such as depth or field and, above all, bokeh that shifted as well.

And, thankfully this works the way a director or DP would want – not the same, of course, as a rig that has lenses that cost as much as a dozen iPhone 13 Pro Maxes, but one that is unique and able to produce beautiful, soulful and human effects that are a computationally assisted approximation. That look, or at least something with a similar feel, is akin to what has inspired generations of filmmakers to love what a 77mm or 85mm or even a 100mm (my personal favorite) does for a human subject in the wild.

It is now possible to produce images that have the convenience of an iPhone and the creative mix of styles that could previously only be found in a full professional kit with multiple prime lenses, and that is something that will change and impact the quality and style of everything we watch, particularly in production areas where million dollar kits are not an option.


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More Than Half of America’s 100 Richest People Exploit Special Trusts to Avoid Estate Taxes

Above: Photo ProPublica / Lynxotic

More Than Half of America’s 100 Richest People Exploit Special Trusts to Avoid Estate Taxes

It’s well known, at least among tax lawyers and accountants for the ultrawealthy: The estate tax can be easily avoided by exploiting a loophole unwittingly created by Congress three decades ago. By using special trusts, a rarefied group of Americans has taken advantage of this loophole, reducing government revenues and fueling inequality.

There is no way for the public to know who uses these special trusts aside from when they’ve been disclosed in lawsuits or securities filings. There’s also been no way to quantify just how much in estate tax has been lost to them, though, in 2013, the lawyer who pioneered the use of the most common one — known as the grantor retained annuity trust, or GRAT — estimated they may have cost the U.S. Treasury about $100 billion over the prior 13 years.

As Congress considers cracking down on GRATs and other trusts to help fund President Joe Biden’s domestic agenda, a new analysis by ProPublica based on a trove of tax information about thousands of the wealthiest Americans sheds light on just how widespread the use of special trusts to dodge the estate tax has become.

ProPublica is a Pulitzer Prize-winning investigative newsroom. Sign up for The Big Story newsletter to receive stories like this one in your inbox.Series: The Secret IRS Files Inside the Tax Records of the .001%

More than half of the nation’s 100 richest individuals have used GRATs and other trusts to avoid estate tax, the analysis shows. Among them: former Democratic presidential candidate Michael Bloomberg; Leonard Lauder, the son of cosmetics magnate Estée Lauder; Stephen Schwarzman, a founder of the private equity firm Blackstone; Charles Koch and his late brother, David, the industrialists who have underwritten libertarian causes and funded lobbying efforts to roll back the estate tax; and Laurene Powell Jobs, the widow of Apple founder Steve Jobs. (Powell Jobs’ Emerson Collective is among ProPublica’s largest donors.)

More than a century ago amid soaring inequality and the rise of stratospherically wealthy families such as the Mellons and Rockefellers, Congress created the estate tax as a way to raise money and clip the fortunes of the rich at death. Lawmakers later added a gift tax as a means of stopping wealthy people from passing their fortunes on to their children and grandchildren before death. Nowadays, 99.9% of Americans never have to worry about these taxes. They only hit individuals passing more than $11.7 million, or couples giving more than $23.4 million, to their heirs. The federal government imposes a roughly 40% levy on amounts above those figures before that wealth is passed on to heirs.

For her part, Powell Jobs has decried as “dangerous for a society” the early 20th century fortunes of the Mellons, Rockefellers and others. “I’m not interested in legacy wealth buildings, and my children know that,” she told The New York Times last year. “Steve wasn’t interested in that. If I live long enough, it ends with me.”

Nonetheless, after the death of her husband in 2011, Powell Jobs used a series of GRATs to pass on around a half a billion dollars, estate-tax-free, to her children, friends and other family, according to the tax records and interviews with her longtime attorney. By using the GRATs, she avoided at least $200 million in estate and gift taxes.

Her attorney, Larry Sonsini, said Powell Jobs did this so that her children would have cash to pay estate taxes when she dies and they inherit “nostalgic and hard assets,” such as real estate, art and a yacht. (At 260 feet, Venus is among the larger pleasure ships in the world.) Without the $500 million or so passed through the trusts, he said, Powell Jobs’ heirs would have to sell stock that she intends to give to charity to pay her estate tax bill.

Sonsini said Powell Jobs, whose fortune is pegged at $21 billion by Forbes, has already given billions away to charity and paid $2.5 billion in state and federal taxes between 2012 and 2020. “When you look at an estate that may be worth multiple billions, and all the rest is going to charity, and you put it in perspective, what is the problem we’re worried about here?” Sonsini asked. “This is not about creating dynasty wealth for these kids.”

In a written statement, Powell Jobs said she supports “reforms that make the tax code more fair. Through my work at Emerson Collective and philanthropic commitments, I have dedicated my life and assets to the pursuit of a more just and equitable society.”

Others whose special trusts ProPublica identified, including Bloomberg and the Kochs, declined to comment on why they’d set up the trusts or their estate-tax implications. Representatives for Lauder didn’t respond to requests to accept questions on his behalf. Schwarzman’s spokesperson wrote that he is “one of the largest individual taxpayers in the country and fully complies with all tax rules.”

A typical GRAT entails putting assets, like stocks, in a trust that ultimately benefits a person’s heirs. The trust pays back an amount equal to what the trust’s creator put in plus a modest amount of interest. But any gains on the investments above that amount flow to the heirs free of gift or estate taxes. So if a person puts $100 million worth of stock in a GRAT and the stock rises in value to $130 million, their heirs would receive about $30 million tax-free.

In 1990, Congress accidentally created GRATs when it closed another estate tax loophole that was popular at the time. The IRS challenged the maneuver but lost in court.

“I don’t blame the taxpayers who are doing it,” said Daniel Hemel, a professor at the University of Chicago Law School. “Congress has virtually invited them to do it. I blame Congress for creating the monster and then failing to stop the monster once it became clear how much of the tax base the GRAT monster would eat up.”

Users of the trusts extend well beyond the top of the Forbes rankings, ProPublica’s analysis of the confidential IRS files show. Erik Prince, founder of the military contractor Blackwater and himself heir to an auto parts fortune, used the shelter. Fashion designer Calvin Klein has used them, as have “Saturday Night Live” creator Lorne Michaels and media mogul Oprah Winfrey.

“We have paid all taxes due,” a spokesperson for Winfrey said. A representative of Klein did not accept questions from ProPublica or respond to messages. A spokesman for Michaels declined to comment.

Prince also did not answer questions. “Hey if you publish private information about me I’ll be sure to return the favor,” he wrote. “Go ahead and fuck off.”

The GRAT has become so ubiquitous in recent decades that high-end tax lawyers consider it a plain vanilla strategy. “This is an off-the-shelf solution,” said Michael Kosnitzky, co-leader of the private wealth practice at law firm Pillsbury Winthrop Shaw Pittman. “Almost every wealthy person should have one.”

ProPublica’s tally almost certainly undercounts the number of Forbes 100 members who use shelters to avoid estate taxes. ProPublica counted only those people whose tax records or public filings explicitly mention GRATs or other trusts commonly used to dodge gift and estate taxes. But a wealthy person can call their trusts whatever they want, leaving plenty of trusts outside of ProPublica’s count.

This month, the House and Senate are hammering out proposals to raise revenue to help pay for the Biden administration’s plans to expand the social safety net. The legislative blueprint released by House Ways and Means Committee Chairman Richard Neal, D-Mass., would defang GRATs and other trusts, which would still be legal but no longer be as useful for estate tax avoidance. If the provision makes it into law, “it would put a major dent in GRATs,” said Bob Lord, an Arizona attorney who specializes in trusts and estates.

Senate Budget Committee Chairman Bernie Sanders, I-Vt., has proposed going further in undercutting estate tax avoidance tools. But the prospect of any reform is uncertain, as Democrats on Capitol Hill struggle to find the votes to pass the package of spending and tax changes.

GRATs are commonly described by tax lawyers as a “heads I win, tails we tie” proposition. If the investment placed in the GRAT soars in value, that increase passes to an heir without being subject to future estate tax. If the investment doesn’t go up, the wealthy person can simply try again and again until they succeed, leading many users to have multiple GRATs going at a time.

For example, Herb Simon, founder of the country’s biggest shopping mall empire and owner of the Indiana Pacers, was one of the most prolific GRAT creators in records reviewed by ProPublica. Since 2000, he has hatched dozens of the trusts, often more than one a year. In an interview with The Indianapolis Star in 2017, the octogenarian Simon said, “It’s always a big tax problem” for the next generation when someone dies, “but we’ve worked that tax problem. We won’t have a problem with that.”

A spokesperson for Simon didn’t respond to questions for this article.

Mentions of these trusts have periodically surfaced in the press after being disclosed in securities filings, as was the case with trusts held by Facebook co-founders Mark Zuckerberg and Dustin Moskovitz and Chief Operating Officer Sheryl Sandberg. In 2013, Bloomberg News published a groundbreaking series on GRATs, mining securities filings and other records to reveal how the mega-rich, including casino magnate Sheldon Adelson and such families as Walmart’s Waltons, had perfected the use of the device.

ProPublica’s data shows that Michael Bloomberg, the majority owner of the company that bears his name and No. 13 on Forbes’ list of the wealthiest Americans, is himself a heavy user of GRATs. Over the course of a dozen years, he repeatedly cycled pieces of his private company in and out of the trusts — often opening multiple GRATs in one year. During that time, hundreds of millions of dollars in income flowed through Bloomberg’s GRATs, giving him opportunities to shield parts of his fortune for his heirs.

ProPublica described the transactions (but not the name of the person engaging in them) to Lord, the trusts and estates attorney. The GRAT is “the perfect loophole to avoid estate and gift tax in this situation,” said Lord, who is also tax counsel for Americans for Tax Fairness and an advocate for estate tax reform.

When Bloomberg ran for president in 2020, he vowed to shore up the estate tax. “Owners of the biggest estates are expert at gaming the system to reduce what they owe,” a campaign fact sheet for his tax plan said. Bloomberg vowed to “lower the estate-tax threshold, so that more estates are taxed,” and to “shut down multiple estate-tax avoidance schemes.” His fact sheet offered few details as to how he would do that, and it didn’t mention GRATs.

The legislation Congress is now considering to curtail GRATs would leave open other options for estate tax avoidance, including a cousin to the GRAT known as a charitable lead annuity trust, or CLAT, which contributes to charity while passing gains from stocks and other assets on to heirs. And the legislation would grandfather in existing trusts, meaning that those who have already established trusts would be able to continue to use them to avoid paying estate taxes.

That has set off a predictable push by tax lawyers to get their clients to create tax-sheltering trusts before any new legislation takes effect.

Porter Wright, a law firm that offers estate planning services, told existing and potential clients it was “critical” to evaluate opportunities because “the window may close very soon. There are important and time sensitive issues which could substantially impact the amount of wealth you are able to transfer free of estate and gift tax to future generations.”

Originally published on ProPublica by Jeff Ernsthausen, James Bandler, Justin Elliott and Patricia Callahan and republished under Creative Commons.

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Manchin Rejects $3.5 Trillion Social Investment After Backing $9+ Trillion for Pentagon


“Ever notice how ‘deficit hawks’ vote for record-high defense spending, yet claim bills that help people and challenge lobbyists are ‘too much?'” asked Rep. Alexandria Ocasio-Cortez.

October 1, 2021 by JAKE JOHNSON


Sen. Joe Manchin on Thursday derided his own party’s plan to spend $3.5 trillion over the next decade to combat the climate crisis, invest in child care, and expand Medicare as “fiscal insanity.”

“All this operatic moaning about $3.5 trillion is ridiculous hypocrisy. Manchin has casually voted for nearly three times that for defense spending.”

But progressive lawmakers and commentators were quick to point out that Manchin (D-W.Va.)—along with other conservative Democrats who are currently standing in the way of Democrats’ reconciliation package—have had no problem greenlighting the Pentagon’s increasingly bloated budget year after year after year.

“Ever notice how ‘deficit hawks’ vote for record-high defense spending, yet claim bills that help people and challenge lobbyists are ‘too much?'” Rep. Alexandria Ocasio-Cortez (D-N.Y.) asked in a tweet Thursday evening.

“All this operatic moaning about $3.5 trillion is ridiculous hypocrisy. Manchin has casually voted for nearly three times that for defense spending”

Noting that the reconciliation package includes yearly spending of $350 billion while the proposed military budget for Fiscal Year 2022 is $770 billion, the New York Democrat wrote: “Guess which got rubber stamped and which gets deemed a ‘spending problem.'”

Last week, the House of Representatives passed the $770 billion military policy bill—which includes $740 billion for the Pentagon alone–by a vote of 316-113, with just 38 Democrats voting no. The Senate is expected to pass its version of the National Defense Authorization Act in the coming days.

In a column published late Thursday, The Week‘s Ryan Cooper observed that Manchin “voted for every single one of the military budgets over the last decade—in 201120122013201420152016201720182019, and 2020.”

“He voted for all $9.1 trillion,” Cooper wrote. “While he occasionally complained about wasteful military programs and asked for an audit of the Pentagon, these quibbles were never enough to get him to vote differently. He helped inflate the already-bloated war budget and regularly boasted about thus ‘supporting’ the troops. This year, he did it again.”

“So on one level, all this operatic moaning about $3.5 trillion is ridiculous hypocrisy,” Cooper continued. “Manchin has casually voted for nearly three times that for defense spending—money that killed hundreds of thousands of people and turned half the Middle East into a smoking crater. A modest fraction of that total to help parents pay their bills, give seniors dental coverage, fight climate change, and so forth is not some intolerable burden on the economy.”

West Virginia activists in kayaks presented that critique directly to Manchin on Thursday as the Democratic senator listened from his yacht:

https://twitter.com/jaisalnoor/status/1443906225922584577?s=20

In ongoing talks over the reconciliation package, Manchin is pushing for a top-line spending level of $1.5 trillion. That figure is at least $2 trillion less over 10 years than Democrats’ current plan, which would spend $3.5 trillion over the next decade.

As Win Without War executive director Stephen Miles noted Thursday, Manchin’s preferred $1.5 trillion number is “less than we’ll spend at the Pentagon over the next two years.”

“And Manchin’s talking about a DECADE of spending across the entire rest of the government,” Miles wrote on Twitter. “During that time we’ll spend somewhere north of $8 trillion, possibly closer to $10 trillion. Just. at. the. Pentagon.”

Originally published on Common Dreams by JAKE JOHNSON and republished under a Creative Commons license  (CC BY-NC-ND 3.0).


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The Guilty: For Fans of Danish Drama with a Side of Jake

Above: Photo / Netflix

Remake of the Danish Award winning hit will surely translate to big-time US success

Back in 2018, during the Sundance film festival, Jack Gyllenhaal watched a Danish film “Den Skyldige” (The Guilty). Immediately after experiencing the psychological thriller he knew it could be a hit in English. 

The actor then quickly acquired the rights, and now he stars in the remake of “The Guilty“, which will get its premiere on Netflix October 1st, 2021. 

During the time that production was initially set to begin for the film, suddenly covid-19 happened, and, as we all know, that put a halt to productions across the entertainment industry.

Yet this film, if it follows the original, is almost uniquely perfect for filming during a pandemic. The movie is primarily centered around one man in one location (everyone else is mainly heard over the phone) – thus the movie was ultimately produced by way of social distance, FaceTime and zoom chats by director and producers. (which is not to say he, at least, phoned-it-in, by any means).

Gyllenhaal plays a demoted police office that now works as a 911 dispatch operator named Joe Bayler. He receives a call from someone in danger, but throughout the call, which takes place in a single morning, nothing is as it seems.

Check out the trailer for the original 2018 version with English sub-titles, of course. The 2021 version set for the Netflix streaming platform does not, as of yet, have a trailer available. Aside from Gyllenhall, additional cast will mainly be comprised of voice performances by the likes of: Ethan Hawke, Peter Sarsgaard, Riley Keough, Paul Dano, Byron Bowers, Da’Vine Joy Randolph, David Castaneda, Christina Vidal, Adrian Martinez. Bill Burr, Beau Knapp, and Edi Patterson.

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Tonight’s the Last Chance for Austin Powers, Kung Fu Panda & Star Trek on Netflix

Photo Collage / Lynxotic

Last Chance to watch on Netflix- Calling all Trekkies:

As what happens each and every month, the streaming platform needs more space for all the new incoming content and in order to do so Netflix needs to purge some titles out of its library. Midnight pacific time these titles will vanish.

The show Star Trek has been around for over 50 years. This might be some startling news if you have relied on Netflix to get your fix for the series. Three of the franchise series along with the 2009 movie are leaving. The TV show series had been streaming on the platform ever since 2011 and now, it seems its time on the platform has come to an end (possible forever).

Sci-Fi fans have all day today up until midnight to binge out on all things Star Trek: Star Trek the Movie,  Star Trek: Enterprise (Seasons 1-4), Star Trek (Seasons 1-3) and Star Trek: Voyager (Seasons 1-7).

Don’t fret, Paramount+ currently holds the full library for all the Star Trek so there is still an option to stream, however that means it is very unlikely the title will return to the Netflix platform.

Or rather, if you are feeling nostalgic, there are additional classics that will be gone including the “Austin Powers” series: Goldmember, International Man of Mystery, The Spy Who Shagged Me, and The Karate Kid I and II.

Strek Trek:

Star Trek -Enterprise:

https://youtu.be/mdxynXpRyBw

Star Trek – Voyager:

https://youtu.be/KPCCEyvLaOo

In addition to all the Star Trek series about to disappear there are film “sequel groups” such as Kung Fu Panda 1 & 2, three Austin Powers movies: Austin Powers in Goldmember, Austin Powers: International Man of Mystery, Austin Powers: The Spy Who Shagged Me, Karate Kid and Karate Kid II & III as well as Movies like Boogie Nights and The Pianist ! Full list below.

List of Titles Leaving Netflix this Thursday at Midnight:

Air Force One
Austin Powers in Goldmember
Austin Powers: International Man of Mystery
Austin Powers: The Spy Who Shagged Me
Boogie Nights
Cradle 2 the Grave
Evil
, Season 1
Fools Rush In
Insidious
The Karate Kid
The Karate Kid Part II
The Karate Kid Part III
Kung Fu Panda
Kung Fu Panda 2
No Strings Attached
The Pianist
Prom Night
The Queen
Star Trek
Star Trek: Enterprise
, Seasons 1-4
Star Trek, Seasons 1-3
Star Trek: Voyager, Seasons 1-7
The Unicorn, Season 1
Why Do Fools Fall in Love


Related Articles:


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Gone by Midnight: catch these Classic Movies and Series incl. ‘boogie nights’ ‘the pianist’ on Netflix

In what has become a monthly Netflix ritual, some great films have just hours left for you to stream them

As is customary when each month comes to a close Netflix is saying “out with the old, in with the new”. There are many new and exciting titles premiering in the Fall months, including October, before that though, the streaming platform is giving viewers a last call to watch some classic movies.

The large list of films and series going out and becoming unavailable is a long one. As of Thursday, September 30th at midnight PT (so dramatic!) no less than 24 items will cease to be available to stream on the Platform.

While some films might be available on other platforms, and they might one day return to Netflix, it is often the case that they switch to a pay-to-pay status during the time that Netflix removes them from its catalog.

In addition to the movies about to disappear there are film “sequel groups” such as Kung Fu Panda 1 & 2, three Austin Powers movies: Austin Powers in Goldmember, Austin Powers: International Man of Mystery, Austin Powers: The Spy Who Shagged Me, Karate Kid and Karate Kid II & III as well as Star Trek Seasons 1-3, Star Trek: Enterprise Seasons 1-4 and Star Trek Voyager Seasons 1-7!

While many of these big-time sequel franchises are so well known that you might have already seen them all, the two films that we are featuring, though huge hits in the day, are unique & special and, if you have not seen them or want to revisit, we highly recommend that you go for it now, before Netflix retires them indefinitely.

These “double-view” films are great enough to see again…

Watch “Boogie Nights” one of Paul Thomas Anderson’s classics. This movie stars Mark Wahlberg, Burt Reynolds, Heather Graham, Julianne Moore and John C. Reilly.

Or the Oscar-winning drama “The Pianist” directed by Roman Polanski. Adrien Brody stars as Wladyslaw Szpillman, a Jewish pianist that was confined to the Warsaw Ghetto and later forced into hiding as the Nazi’s invaded Poland.

Leaving Netflix this Thursday at Midnight:

Air Force One
Austin Powers in Goldmember
Austin Powers: International Man of Mystery
Austin Powers: The Spy Who Shagged Me
Boogie Nights
Cradle 2 the Grave
Evil
, Season 1
Fools Rush In
Insidious
The Karate Kid
The Karate Kid Part II
The Karate Kid Part III
Kung Fu Panda
Kung Fu Panda 2
No Strings Attached
The Pianist
Prom Night
The Queen
Star Trek
Star Trek: Enterprise
, Seasons 1-4
Star Trek, Seasons 1-3
Star Trek: Voyager, Seasons 1-7
The Unicorn, Season 1
Why Do Fools Fall in Love

Related Articles:


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The September Swoon has Started: Nasdaq drops 2.83%, collapse blamed on bond rate rise

Above: Photo Collage / Lynxotic

Bond jump should have been seen coming, yet the reaction is nevertheless a big rush to the exits

In what some are calling a Taper Tantrum, the markets dropped with a sense of purpose today, with little bounce after the close in the futures market. With Fed rate hikes now a certainty, inflation concerns real, and bond yields spiking today, there were plenty of things to point to as catalysts.

This could be, and this is extremely likely regardless of what endless permanent-bull commentators would have you believe, the start of a tough two months, with late September and October being known as a very dangerous time in markets, especially whey they exhibit pre-crash signs and warnings.

Insane valuations that have preceded past September / October disasters are back

It’s unbelievable that the fall of 2008, when the financial crisis came to a head with the Lehman Brothers collapse, was 13 years ago, and the prior peak in November 2007 was a full 14 years.

I guess we can observe that we now have the iPhone 13, with the iPhone “1” which was just called “iPhone” at the time, has been marking the time with yearly iterations, not always named in sequence:

iPhone: June 29, 2007

iPhone 3G: July 11, 2008

iPhone 3GS: June 19, 2009

iPhone 4: June 24, 2010

iPhone 4S: October 14, 2011

iPhone 5: September 21, 2012

iPhone 5S & 5C: September 20, 2013

iPhone 6 & 6 Plus: September 19, 2014

iPhone 6S & 6S Plus: September 19, 2015

iPhone 7 & 7 Plus: September 16, 2016

iPhone 8 & 8 Plus: September 22, 2017

iPhone XS, XS Max: September 21, 2018

iPhone 11, Pro, Pro Max: September 20, 2019

iPhone 12, Mini, Pro, Pro Max: October 23, 2020

iPhone 13, Mini, Pro, Pro Max, September 24, 2021

And during all these years, for the most part the artificially inflated Fed “bubble of everything” has continued.

Here is a disturbing chart, courtesy of Elliott wave International at Elliottwave.com:

This behavior, seen across nearly all markets since extreme measures were taken to respond when the March 2020 pandemic crash occurred, has been building to a crescendo. And today was a tiny pin-prick that could augur ill for October.

What this has led to, naturally, is an overvaluation beyond anything seen in modern times, perhaps 500 years. The previous all-time-peak for overvalued stocks (S&P) was in March 2000. August 2021 is far beyond that peak and likely will stand as the most overvalued moment for decades.

Above: photo courtesy of Elliott Wave International

Unless, that is, somehow the insane valuations are pushed even higher. Which is unlikely, but not impossible, given the state of delusional euphoria that pervades the financial markets.

Many 2021 characteristics, such as the Crypto, NFT frenzy will be seen in a similar light to the tech stocks in 2000 or Real estate in 2007

There’s a sense that it is normal for bored apes NFTs to experience a multimillion dollar bidding wars, or for crypto alt coins with dog mascots to explode 10,000% or more during this, possibly final phase, of what has been called the “everything bubble”.

And why not? If you bought and held almost anything in March 2009 or again at the bottom of the crash on March 16, 2020, then you have seen nearly continuous gains that you’d be eager to risk on, well, anything.

And if you were 10 years old in the year 2000, you’d not have known about NASDAQ drops that take around 13 years to regain what was lost after a 1 year bear market, so why worry?

Perhaps the Fed and the markets seemingly infinite ability to expand and inflate will go on for years. Or the next bear, possibly the one that already kicked off today, and will accelerate into October, is one to take seriously.


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This is iPhone 13Pro Max best new feature by far

Above: Photo Collage / Lynxotic / J. Flavia / Unsplash

Ear related! 2nd best and more are also interesting

With so many new features on the iPhone 13 Pro models, and with so many of them made possible by iOS 15, the A15 bionic chip, the 16-core Neural Engine, which performs up to 15.8 trillion operations per second, and power features like Cinematic Mode and Smart HDR 4, machine learning and other hard to explain facets of the overall experiential upgrade, sound playback (and recording) are often barely mentioned, it seems.

Ever since there was the biggest Apple success story near the turn of the century there has been a special relationship between the fruit company and music / sound. I’m talking, of course, about the iPod.

Long before the iPhone was even a rumor, the iPod was a huge success, taking over the mp3 player market and, with the iTunes store for music downloads, launching the software and services division, for all practical purposes.

It’s hard to imagine now, but there was doubt that Apple could make it in the competitive cell phone market, with behemoths like Nokia and Blackberry so well established. It was the iPod’s success that made it seem plausible.

There was one thing that the iPod never had, however; speakers. And even the recent iPhones, with speakers for voice and music, if you didn’t use your AirPods for that, had speaker and sound quality that was not on the quality level of the larger iPads.

With a much larger area to hide speakers, the iPad was always an obvious choice for watching movies and listening “out loud” via the built in speaker system. With an iPad pro that could be pretty spectacular with a relatively full frequency spectrum and, more recently via software upgrades, spatial audio.

https://www.apple.com/105/media/us/iphone-13-pro/2021/404b23a8-f9c5-466c-b0e6-3d36705b959d/anim/chip/large.mp4

With iPhone 13 Pro models the audio barrier has finally been shattered

In a tiny, nearly forgotten passage at the very end of a list of new specs and enhancements in the iPhone 13 line, Apple adds one more thing; a stereo speaker at the top where the notch is located and a second stereo speaker at the bottom next to the Lightning port.

What it doesn’t mention is the improvement in the sound quality. Like so many features in the newer generation of devices and software, this unassuming, seemingly simple statement is just the tip of the iceberg and does not divulge what’s really going on.

Once more a combination of all the recent software and hardware upgrades combine to produce an experience that goes beyond what you could expect with these tiny, nearly invisible, speakers.

First, the two stereo speaker sets are, sound wise, equal in quality. So when you are watching a movie in landscape mode there is a distinct stereo effect. This is enhanced by spatial audio and dolby atmos depending on your set up.

The actual experience is noticeably “iPad like” and in some ways even goes beyond. Having the phone relatively near you, due to its size, and listening to a high quality movie score, there’s a feeling that your phone has morphed into a personal theater – as long as you can let the sound out into your local environment.

Try “SharePlay”, once it’s live in iOS 15.1, or just manually sync with your partner, assuming you each have a new iPhone 13 (!) and you will get a glorious room filling surround experience from the 4x stereo output (8 speakers?!) into the room.

And the mysterious mics also hidden in multiple places, are also a big upgrade – the seem to switch roles for video, calls etc and maximize the audio quality in live recording situations.

Apple’s software and service bundles and ambitions are driving hardware and iOS upgrades

As jubilant as this may sound, there is also an ulterior motive lurking. Some of the audio features work best (or at all) with an Apple Music subscription. And having more subscriptions, Apple TV, Apple News, Apple Music, iCloud Extra Storage, along connected devices, with so many available, it becomes an ecosystem of plenty for Apple, already the largest company by market cap.

On the optimistic side there’s always Apple One Premiere, the top of the line for bundled services (see below) and looking more and more like a steal at $29.95 per month.

Perhaps, one day not to far away, there will be a Apple One Premiere plan that also includes all Apple devices and you just trade them in every two years (every year?) or maybe you never own them at all?

The way the upgrades in hardware, software and the rest are becoming more interdependent and how crazy it already is to upgrade various devices (assuming you have more than one or two) yearly or bi-annually it’s an interesting idea to try and imagine.

And with an Apple Car perhaps on the way (self driving and outfitted with all the rest of the tech and service bundles) this could be a whole-house, whole-office (will there still be offices?) all transport bundle too. Apple haters will be in trouble, and have to move to Google Island, but otherwise, hey, why not?

Apple One Premiere example package:

Speakers after tear down by iFixit:

credit: iFixit

Audio Playback

Audio formats supported: AAC‑LC, HE‑AAC, HE‑AAC v2, Protected AAC, MP3, Linear PCM, Apple Lossless, FLAC, Dolby Digital (AC‑3), Dolby Digital Plus (E‑AC‑3), Dolby Atmos, and Audible (formats 2, 3, 4, Audible Enhanced Audio, AAX, and AAX+)

Spatial audio playback

User‑configurable maximum volume limit

Video Playback

Video formats supported: HEVC, H.264, MPEG‑4 Part 2, and Motion JPEG

HDR with Dolby Vision, HDR10, and HLG

Up to 4K HDR AirPlay for mirroring, photos, and video out to Apple TV (2nd generation or later) or AirPlay 2–enabled smart TV

Video mirroring and video out support: Up to 1080p through Lightning Digital AV Adapter and Lightning to VGA Adapter (adapters sold separately)9


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Deeper Dive into iPhone 13 Pro Max Cameras after 48 Hours of Testing

The cameras are at the center of what makes an iPhone 13 a Pro investment

Direct hands on experience with something as complex and interesting as the new iPhone 13 Pro Max is invaluable for a useful assessment. After a few days and also taking into account some observations of others I will attempt to shed light on the state of the art of iPhone as of September 2021.

Comparing this iteration of iPhone with the previous versions is meaningful for buying decisions, but it must also be compared based on what it can do for a professional that has a need for a higher grade of gadget.

Judging and comparing the machine as a whole is also necessary, since the cameras are not cameras at all be just one part of an integrated system of visual (and audio!) production tools.

Big changes that begat others and on the circle goes

The first thing I noticed, out of the box was the sheer size of the 13 Pro Max, particularly compared to the 11 Pro Max, which was my previous workhorse. From photos I had gathered that the three cameras stuck out more and, yet they do, so much so that it is almost comical.

If you brave the world sans case and put this monster in your the back pocket of your loose fitting jeans, the bulge from the cameras will feel like you are doing something crazy, as it is as if they are rubbing against anything they touch, continuously.

That’s not all about the physical size, though. Looking at the diameter of the three circles (lenses) they appear significantly larger. Believe me, they are. Since the 11 Pro max and the 12 Pro Max have the same size triple camera layout (spec upgrades notwithstanding) this is an immediate and obvious change.

Above: Photo / Lynxotic

The increased size and weight of the camera itself is noticeable, more than I expected. The screen appears far larger due to the new specs and it is a bit of a shock at first, but the level of quality is the biggest and most noticeable feature.

The design logic has an implied history that jumps out once you start to use the camera system.

The changes to the three cameras are significant. After two years of using the 2019 11 Pro Max the framing options, based on the three lenses is a complete new experience.

The ultra wide 13mm equivalent is a bit of a bold and crazy choice. If I was ordering a set of lenses for a music video shoot the ultra wide might go as far as 11mm (very wide!) but that is basically an EFX look and causes an almost fish-eye look.

The 13mm is literally as wide as you can get without getting into potential “clown” territory, which is fun but not usable for a non-EFX composition.

What is odd, in a way, is that the “main” lens at 26mm equivalent is still very wide meaning that the standard 40mm equivalent, which was always considered the closest to a neutral look, is absent here.

Similarly, the telephoto lens at a 77mm equivalent is exactly the same type of choice – once again in my kit this would have been a 100mm for a deep bokeh and a noticeable sweet spot that is ultra-flattering for close ups and head shots.

The 77mm, therefore, is a long enough lens to get the magnification and emulate the look of a telephoto style. But wait, no glass no bokeh.

Both the 13 Pro and 13 Pro Max have the same sensors, optics, stabilization and features. The three cameras in the Pro models span a 6x optical focal length range.

This is where the logic of the design and how the system works, as a whole, begins to get deep.

Once you have made the commitment to not only extend the range of the entire optical focal length range to 6x the differences between a glass & steel 77mm prime lens and a “cell phone camera” must be addressed.

The 77mm requires the bokeh and relatively narrow in-focus range of a “real” telephoto lens is the stylized creative uses that a full kit of prime lenses makes possible is to be achieved.

This is addressed with the already present portrait mode – with enhanced functionality made possible by the A15 chip, the machine learning, AI and neural network – in other words software and computational assists.

And for video, cinematic mode is an absolute must – since the same bokeh effect and stylized effects are needed and desired for video.

All of this does not include the macro effects that effectively extend the range into the nearly microscopic. This feature requires a whole article, which you can check out here.

Getting to a full photographic system in your pocket, and beyond.

Once the effects and artifacts of the 77mm style glass prime lens have been added to the mix, emulated things get more interesting.

Since the bokeh and artifacts in the cinematic mode for video are computational and not photographic, they are stored separately and can be altered after the fact, just like has been the case with portrait mode all along.

This is a big deal in one way, since it could never be conceived of with traditional lenses and cameras. It also, however, one more variable to consider when putting together a large batch of footage for a project. This adds a new layer of creative flexibility, and choices to contend with.

Further, since the long lens stylizations are a byproduct of and influenced by focus settings, that has to be in the mix also. That produced the need for the cinematic mode which you can think of as a slightly stoned robot focus puller. who is also a little bit psychic.

The first robot camera assistant is already in the box when your phone arrives

Let me explain…. A real life focus puller (doing rack focus settings) in real life would function roughly as follows:

A shot is planned that requires a focus pull from one subject to another – this could be a close shot of a face panning to another face, or a close up that refocuses from the foreground to the background, for example. The focus must also factor in any movement of the camera / dolly.

The two desired subject distances are measured (using a tape measure) and the focus settings noted. In complex shots this can be multiple focus settings and a particular speed of the “rack pull” from one to the next.

Often such complex focus / dolly set ups must be rehearsed multi times just for the focus puller – so that his error does not ruin a perfect take when, for example, the actors get their best performances.

So, in the robot world practice is also good – and a plan is almost essential, but the virtual focus puller will go with the flow, and try to anticipate and predict what you want him to focus on in real time as you shoot.

This is pretty incredible and also, much like autocorrect typing, sometimes very successful and sometimes comical in the outcome. What is tricky is how to get the robot puller to know what you are trying to have as a subject if it is not a persons head or face.

Also, if the action is fast or if you are shooting something that has no pre-determined outcome or script, like a political protest or a sporting event, you will get somewhat random results.

This makes the name apt, since cinematic also implies a movie with a plot and a script.

https://www.apple.com/105/media/us/iphone-13-pro/2021/404b23a8-f9c5-466c-b0e6-3d36705b959d/anim/macro-video/large.mp4

Conclusions and a few known limitations and caveats

Human greed is a powerful thing. When given a photographic system that even attempts to approximate a profession system based on prime and zoom lenses and accessories, there’s a tendency to want it all, right now!

Of course, instead, what we get is an amazing extension of the iPhone photo tradition – taken up a bunch of notches at once. The computational enhancements are incredible and will only get better – in many cases without a new phone as they are based on AI and machine learning, which as the name implies, are continually improving while you sleep.

There are specific limitations though that should be mentioned about the iPhone 13 Pro camera system.

Cinematic mode only works (currently) in 1080p. This is a serious limitation, since the whole idea of Pro is 4k and above. There are rumors that this could get a software upgrade during the year but it is not clear if or when that will happen.

Along with the lack of slo-mo at any resolution above 1080p there is a lot of disappointment in this issue. It is the reality of how difficult the computational “assist” really is to achieve that makes this a big step that is still in the future.

It is also the reason why real lenses and traditional DLSR cameras still have an important use and value.

The new system unveiled with the iPhone 13 pro is revolutionary precisely because of the potential for people to create new visual expressions and ways of communicating.

These photographic traditions and the efforts that were made in the design to emulate them are important and valuable. However, the future will benefit from the spontaneous and new ways that people will decide to use this evolving system and the current extensions of our eyes, ears and minds….

Wide (main) cameras:

Lens Sensor Area

iPhone 13 Pro / Max 26mm equiv. F1.5 44mm2 (1/1.65″)

iPhone 12 Pro 26mm equiv. F1.6 23.9mm2 (1/2.55″)

iPhone 12 Pro Max 26mm equiv. F1.6 35.2mm2 (1/1.9″)

Pro 12MP camera system: Telephoto, Wide, and Ultra Wide cameras

  • Telephoto: ƒ/2.8 aperture
  • Wide: ƒ/1.5 aperture
  • Ultra Wide: ƒ/1.8 aperture and 120° field of view
  • 3x optical zoom in, 2x optical zoom out; 6x optical zoom range
  • Digital zoom up to 15x
  • Night mode portraits enabled by LiDAR Scanner
  • Portrait mode with advanced bokeh and Depth Control
  • Portrait Lighting with six effects (Natural, Studio, Contour, Stage, Stage Mono, High‑Key Mono)
  • Dual optical image stabilization (Telephoto and Wide)
  • Sensor‑shift optical image stabilization (Wide)
  • Six‑element lens (Telephoto and Ultra Wide); seven‑element lens (Wide)
  • True Tone flash with Slow Sync
  • Panorama (up to 63MP)
  • Sapphire crystal lens cover
  • 100% Focus Pixels (Wide)
  • Night mode
  • Deep Fusion
  • Smart HDR 4
  • Photographic Styles
  • Macro photography
  • Apple ProRAW
  • Wide color capture for photos and Live Photos
  • Lens correction (Ultra Wide)
  • Advanced red‑eye correction
  • Photo geotagging
  • Auto image stabilization
  • Burst mode
  • Image formats captured: HEIF and JPEG

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iPhone 13 Pro live test, How to shoot in Macro Mode (hint: It Just Works…)

Above: Photo / Apple

”It Just Works” is the basic how-to for the new Macro-Mode on iPhone 13 Pro

Steve Jobs was famous for repeatedly using this line to describe in product demos how something was so intuitive that no user manual would ever be needed. While this phrase has also often been used to try to help Apple accountable when something doesn’t “just work” it is a core design principal and an important part of the legacy of Steve Jobs, up until the current day.

The new iPhone 13 Pro (we are using an iPhone 13 Pro Max for photos and testing) has so many new features that it can be overwhelming to try and absorb, at first. Fortunately this one is almost completely intuitive to learn to use, if not obvious.

A short history of what the heck macro photography is

I will never forget when I was first taught about macro lenses and learned how to shoot extreme close ups. I was working with a professional camera operator (as a music video director) and I wanted to do a close up that would be so close as to be considered a macro shot.

Novice that I was at the time, I assumed that you could just keep pushing the camera closer and closer and focus on the tiny area desired, with no further ado. When my operator told me we would need a special “macro” lens adaptor (that we had not ordered as part of our kit), I felt a bit foolish and knew I would need to bone up on the macro ins-and-outs for the future shoots.

For traditional photography and film shooting there are macro lenses and adaptors that can enable super-close-up shots. These can be simple and relatively cheap or more elaborate and expensive for traditional film cameras and digital DSLRs. There have also always been lens attachments that can be used with an iPhone to get some macro capabilities.

Now, with the iPhone 13 Pro and Pro Max you have a built-in software enhanced macro capability that “just works”. Currently this feature is not supported on the iPhone 13 (regular) or mini.

Above: Photo / Lynxotic

Real world test shows some extreme possibilities that beg for more

As with many of the new camera features in iOS15, when using an iPhone 13 Pro, the macro mode is built-in and needs only be triggered by your behavior.

To shoot your first macro photo follow these steps:

  1. Open the camera app and choose either photo or video (not cinematic or portrait
  2. Move the phone closer to the object that you want to shoot a macro photo of. When you get close enough you should see a “jump-cut” indicating that you have automatically switched to macro mode due to the untra-close object in frame have been detected by the software. The macro range appears to be 14cm to 6cm according to specs.
  3. Move camera into position (you might be almost touching the object if you want an ultra-macro-look) so that the object is in focus and shoot.

Above: Photo / Lynxotic

Above: Photo / Lynxotic

Some considerations: With large professional macro lenses, which are “slow”, extra light would be required to get the proper exposure. This is less true with the “computational photography” hybrid on the iPhone 13 Pro, but light conditions, as always, will impact the photo quality, a lot.

In particular, with a huge phone so close to the subject of the photo it is sometimes difficult to avoid shadows cast on the object being shot by the phone itself. It is also a somewhat surreal feeling, at first, to be shooting an object that you are almost touching with the lens.

Our live real world experiments (shown in the various photos above and below) are using every possible combination of lens and the automated software to see just how extreme the results can be. In a word, the answer is; very.

The future of computational and software manipulated imagery production using iPhone and iOS

Anyone who had initially learned about photo techniques based on the “real world” environment of glass, steel and celluloid will no doubt at times feel confusion, anxiety or even a sense of loss when confronted with software, AI and machine learning based computational photography.

And, yes, purists have commented and complained about the various trade-offs when images are produced with software manipulation during the shooting process.

But, as results here show, most of us will feel a sense of exhilaration at the visual and artistic potentials that are becoming possible – all using a device that is, pretty much always, “in your pocket”.

While a multi-thousand dollar high end professional lens, using optical grade, painstakingly engineered glass (usually from Germany), can be used to produce world class image quality, now and in 100 years, the benefits of computational hybrid photography techniques are already going in a whole new direction.

An important, and nearly infinite, benefit is that these enhancements are being improved, both through human based code improvements, and even more so, by machine learning and AI on a continual basis.

As we’ve discussed in previous articles, the fact that these improvements are inevitable and will potentially even accelerate, “while you sleep” is a mind-blowing concept that spills into all aspects of future potential for iPhone photo techniques.

The trade off is large, if you want to turn off these “artificial” enhancements, you will have to wait for macro mode (or use current work arounds) and then switch off night-mode and personalized filters and other beautifying add-ons in order to get a more “natural” or realistic look.

Apple, meanwhile, is 100% all-in with the idea of making iPhone photography intuitive and as beautiful as possible, even if, in some cases the “beauty” is enhanced beyond reality (!).

The photos and degree of magnification possible with macro mode on an iPhone 13 Pro, as seen in these rough test photos, is almost surreal. So much so that it’s easy to imagine that, not long in the future, a medical grade microscope could be possible. One that “just works”, of course, and usable by anyone, anywhere and all on a device that’s already in your pocket.

Pro 12MP camera system: Telephoto, Wide, and Ultra Wide cameras

  • Telephoto: ƒ/2.8 aperture
  • Wide: ƒ/1.5 aperture
  • Ultra Wide: ƒ/1.8 aperture and 120° field of view
  • 3x optical zoom in, 2x optical zoom out; 6x optical zoom range
  • Digital zoom up to 15x
  • Night mode portraits enabled by LiDAR Scanner
  • Portrait mode with advanced bokeh and Depth Control
  • Portrait Lighting with six effects (Natural, Studio, Contour, Stage, Stage Mono, High‑Key Mono)
  • Dual optical image stabilization (Telephoto and Wide)
  • Sensor‑shift optical image stabilization (Wide)
  • Six‑element lens (Telephoto and Ultra Wide); seven‑element lens (Wide)
  • True Tone flash with Slow Sync
  • Panorama (up to 63MP)
  • Sapphire crystal lens cover
  • 100% Focus Pixels (Wide)
  • Night mode
  • Deep Fusion
  • Smart HDR 4
  • Photographic Styles
  • Macro photography
  • Apple ProRAW
  • Wide color capture for photos and Live Photos
  • Lens correction (Ultra Wide)
  • Advanced red‑eye correction
  • Photo geotagging
  • Auto image stabilization
  • Burst mode
  • Image formats captured: HEIF and JPEG

Find books on Political Recommendations and many other topics at our sister site: Cherrybooks on Bookshop.org

Enjoy Lynxotic at Apple News on your iPhone, iPad or Mac.

Lynxotic may receive a small commission based on any purchases made by following links from this page