iiinova — where your digital self keeps evolving

@charlesgaba.com the dreaded open enrollment is approaching. Just wondering if you know of any surveys on self-employed who are limiting economic activity to keep their MAGI under the subsidy cliff? Or maybe it’s too early to get a picture of that

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 30/09/2026

Standard childcare does not work for people with unconventional jobs which I never hear in this discourse. When our son was wee, hubs quit his job so I could still tour (that was crazy. I would nurse, hand him the baby and go onstage). After 2015 childcare became my biggest expense.

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 30/09/2026

Also, we don’t need to reinvent the wheel. Look at how Quebec does it, subsidised child care centers or a tax credit on childcare expenses which can also go to an aunt or grandparent (but not the child’s parent)

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 30/09/2026

I hate that policy in America is made through taxes but how about changing tax law? There’s only a 35% tax credit on $3000 of childcare expenses, which is laughable. Don’t cap that expense and if a family member provided care, like my mom did after my husband died, they should get that credit. 1/

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 29/09/2026

This is the regime telling on itself again. It’s America that been interfering in Canada. US officials tried to negotiate directly with the premier of Quebec on tariffs and a MAGA think tank has urged Americans to support Quebec sovereigntists in next weeks election to destabilise Canadian unity

cbc.ca

Trump trade adviser says Canada will 'pay even more dearly' if 'you interfere' in U.S. midterms | CBC News

One of U.S. President Donald Trump's trade advisers is threatening repercussions for Canada if it "interferes" in the upcoming midterm elections — though it's not clear what he anticipates the country...

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 27/09/2026

I will not be wearing a meta-teletubby

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 26/09/2026

100C. Loose leaf in the teapot. Milk first!

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 26/09/2026

I will be expecting something that is not “almost, but not quite, entirely unlike tea”, to quote Douglas Adams, who I wish was still with us to comment on our ridiculous modern era.

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 26/09/2026

Drink whatever beverage you like during your interview at Zoë Keating Cello Enterprises but during the interview you’ll need to demonstrate your ability to make a cup of tea

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Reposted by 🇨🇦 🇺🇸 Zoë Keating

John Scalzi @scalzi.com · 26/09/2026

Whatever you do, don't smoke an entire brisket at a job interview, it's a lot of equipment to bring in, it takes a really long time to do it right and those conference rooms have notoriously poor ventilation

Someone smoking a brisket and poking it with a meat thermometer to see what the internal temperature is

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 26/09/2026

I’ve been back as a grown up and no, I wouldn’t want to live there either

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 26/09/2026

(for context: my grandparents lived outside of Bath and I thought it was the center of all things. It’s where I first saw a gaggle of spiky haired punks in 1980)

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 26/09/2026

When I was a girl I was so certain that I would grow up to be a tall lady in a feathered hat who lives in a crescent house in Bath but here I am a tall lady, without a feathered hat, living in Vermont

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 25/09/2026

There really is! Crossing the street as a pedestrian was not fun either. I was very happy to return to Vermont

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 25/09/2026

I was in line for coffee at a cafe near Dartmouth when I stepped fwd to get a better look at the delights in the pastry case. When I went back into my spot a preppy young man, approx 19, said “excuse me, there is a line”. I considered, as an elder, smacking him with my tote bag but I did not.

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 25/09/2026

Are you registered to vote? Check again, just in case!

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 25/09/2026

In addition to the use of federal funds for this political ad, which is illegal, using this artist’s song without a sync license is also illegal. I hope JMSN can find a lawyer to sue Team DJT for damages

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 24/09/2026

⚫️⚪️⚫️⚪️⚫️⚪️⚫️⚪️⚫️

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 22/09/2026

Dreading this again. The VT exchange circles back to require proof of income in March. This year they wouldn’t accept my SE tax return and asked for bank statements. They based my income on the 1st 3 mo of the year to bump me over 400%. Took 2 months to fix while my premiums went from $216 to $1556

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 22/09/2026

Happy Hobbit Day to all who celebrate I’ll be having a second breakfast shortly

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 21/09/2026

But yes, this in the document the board shared that lays out the future. The bigger goal is to eventually scale up to meet the needs of the music community as a cooperative marketplace, presenter, streaming service….what else?

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 21/09/2026

I’ve been looking into as many as I hear about! The more the better IMO

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 21/09/2026

The more people obtain music directly from artists, the more those artists will be able to survive to make more music. Similar to buying food directly from farms via a CSA or farmers market, the less our lives are mediated by billionaires, the better.

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 21/09/2026

I think they have other things on the list to tackle first but that is something I’d really like to see happen. That and physical merch seems crucial

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 21/09/2026

Right now Subvert offers pay-what-you want downloads. Physical merch is in the works. What would you like in a platform? Suggest it on the forums!

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 21/09/2026

Subvert.fm is new, growing, full of potential and I’m excited about it - which is why I’m running for a seat on the board. If you’re a Subvert member, elections are Sept 26. It’s your music platform. Participate! 2/

subvert.fm

Subvert - The Collectively Owned Music Marketplace

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 21/09/2026

I’ve been releasing music DIY for 25yrs and I believe that should always be a viable option for artists. The double sale of Bandcamp was a wake up call so earlier this year, I joined Subvert.fm, a member-owned music distribution platform. As a co-op, Subvert can’t simply be sold to investors. 1/

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 21/09/2026

And out of all the things, that is the least bad thing Metaface has done. 3/

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 21/09/2026

Now they want you to pay for a “Meta One” subscription just to post links. Don’t’ buy it. 2/

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 21/09/2026

Don’t forget Facebook grew by launching Pages in 2007 and encouraging public figures like musicians to join. As soon as everyone was there and using FB instead of their own mailing lists, FB-now-Meta torched it all and made creators pay to reach folk who already followed them. 1/

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 20/09/2026

Well I stand corrected! That is so great. Thanks for giving it a listen ❤️

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 20/09/2026

I’ll see how it shakes out when I have a new release but so many listeners still don’t know that direct to fan exists or how musicians make a living. Direct to fan music platforms don’t have the marketing budgets that corporations like Spotify do

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 20/09/2026

You know how it is, we are rarely sitting still long enough to look backwards! At some point I want to determine if the average per stream rate has gone down because I think it has but haven’t compared the numbers yet

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 20/09/2026

It all helps but I don’t think streaming counts for much exposure in my case. The little data I get says majority of streams are from “users own collection”. Anecdotally I don’t believe my music ends up in TV shows because someone heard me on Spotify but 🤷‍♀️

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 20/09/2026

You’re welcome! Life moves fast and there never seems to be time to put it all together. Yet to gather: I want to know how the revenue mix has shifted over the years and I also want to see if the average per stream rate has gone down because I think it has but haven’t compared the numbers yet

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 20/09/2026

Yes. That would be primarily royalty payments from music used in domestic and international television broadcasts

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 20/09/2026

Breakdown of the 9.3% of revenue that was Streaming Royalties: Spotify 4.1% Apple 2.5% Deezer,Tidal,Amazon,Pandora,Qobuz,YouTube Red etc 2.8% 3/

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 20/09/2026

Breakdown of 18% of revenue that was Performances Royalties: ASCAP 15.9% MLC 0.9% SoundExchange 0.5% 3rd Party Videos - Meta 0.03% 3rd Party Videos - Youtube 0.6% 2/

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🇨🇦 🇺🇸 Zoë Keating @zoekeating.com · 20/09/2026

It’s tax time and been a minute since I did this so here is some data. What was the gross income breakdown for this DIY musician in 2025? Licensing & Composer Fees - 48.3% Live Performance - 22.9% Performance Royalties - 18% Streaming Royalties - 9.3% Direct-to-Fan Downloads (Bandcamp) - 1.5% 1/

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