With CES 2020 wrapping up a few weeks ago, there’s a lot to digest. We saw tons of innovative products in fitness tech, TVs, self-driving vehicles, and even basics like Bluetooth technology. CES is a spectacle that never fails to impress, and while some products might be more realistic than others, the showcase can be a source of inspiration for product developers and entrepreneurs. 

​Designing a great product doesn’t happen overnight. Many of the over 45,000 companies that introduced products at CES built on emerging trends from the past few years. But for entrepreneurs working on the next big idea, it could be something as simple as a napkin scrawl and the right partner to move your design a leap ahead. Read on for the most innovative products at CES 2020 – and take inspiration from their example. 
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​CES 2019 featured foldable phones, like Huawei’s foldable Mate X – inspired by Intel’s “Horseshoe Bend” reference design. This year, the foldable trend expands to laptops and tablets. Analysts are buzzing about Lenovo’s ThinkPad X1 Fold, a foldable display that combines the best features of a laptop and tablet in one sleek design. Lenovo’s tablet features a 13.3-inch screen that folds in half and supports a stylus with Windows Ink and a magnetic keyboard that can be attached for use as a normal laptop. Dell also debuted two foldables, the Concept Ori and the Concept Duet. This next evolution in foldable screens promises to “offer laptop users more immersive movies, generously large spreadsheets and better tools for editing photos and videos,” according to CNET. 
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​Fitness trackers have come a long way since the first Fitness entered the market in 2008. Withings’ ScanWatch was lauded as the best digital health product of CES 2020, largely due to the addition of the built-in SpO2 sensor. This feature can help you determine whether or not you need to be tested for sleep apnea, bridging the gap between fitness tech and medical health tracking. The ScanWatch looks like an analog watch, but it can track your heart rate for abnormal cardiac activity, has a battery life of 30 days, and includes a wide range of fitness activity tools. 
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Huami, a wearable company, and Studio, a fitness startup, have teamed up to reinvent the treadmill, debuting the Amazfit HomeStudio at CES 2020. The smart treadmill promises to compete with existing products from Peloton as well as new market entrants like Mirror. “The most notable feature of the Amazfit HomeStudio is its lack of a traditional treadmill front. Instead, you control the device using your smartphone, while content is delivered to a separate, vertically oriented 43-inch HD screen that the companies are calling the Glass,” describes TechCrunch. 

The Amazfit HomeStudio combines expertise from both brands: the treadmill tracks metrics such as time, heart rate, distance, and calorie consumption, and even measures your form to offer tips to improve your running. The “Glass” screen in front of the track offers classes from Studio’s more than 1,000 online fitness classes, with a focus on treadmill running.​
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​Green-tech found new prominence at this year’s CES, and one of the best products was Hydraloop’s Water Recycler. “The large appliance, which filters and purifies grey water from baths, showers, and washing machines, employs a series of six maintenance-free filtration techniques, and can recycle up to 85% of the water used in the home for re-use in toilets, pools, and irrigation systems (your toilet and kitchen sink are safe from filtration, so don’t fret),” writes a reviewer from Time Magazine. 

Hydraloop recyclers are already in use in Africa and Europe; not only do they save the planet, but they can save money. By company estimates, a four-person household can save up to 20,000 gallons of water per year.  
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​Water is just one scarce resource that tech is aiming to save in 2020. Sleep is another. The Motion Pillow is a consumer good that helps reduce snoring. “A box on your nightstand records audio as you sleep, then sends it to your phone for analysis. When the app detects snoring, the pillow inflates in various positions, gently juggling your head around until you quiet down,” describes Fast Company. A lack of sleep affects more than 45% of Americans, with serious health implications; it’s no wonder that the Motion Pillow was an honoree in this year’s CES Innovation Awards. 
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​The Misfits Lair, a project by Zinnia Holdings LLC ©

​Looking for a manufacturing partner? A quick search on Google or Alibaba will surface hundreds of results. It isn’t difficult to find a factory – but it is a much harder task to find the right one. 

Entrepreneurs struggle to find and vet a manufacturing partner overseas. Many turn to sourcing agents to be their in-country representative. Sourcing agents can make the task of getting your product made easier but come with their own risks. How do you know if they’re connecting you with the best factory and negotiating the best price? Often they are secretly working on the factory’s behalf. Here’s what you need to know about the risks of working with a sourcing agent. ​

When working with a factory overseas, there are four common options for getting your product made:

• Work with a third party
• Work directly with the manufacturer (direct purchase)
• Work with a trader or distributor
• Work with a sourcing agent

According to one report, 80% of entrepreneurs work directly with the manufacturer, which gives them control over the process and saves money from avoiding commissions and fees to a third party or agent. However, if you’re new to sourcing, you might want to bring on a sourcing agent: someone who manages the relationship with the factory. A sourcing agent is someone who can reach to a supplier or manufacturer to source the product you need, making a commission in the process. Sourcing agents offer a measure of control over the final product, customization, and at a lower fee than working with a distributor or trader. But there are a number of risks to working with a sourcing agent.

​Sourcing agents aren’t always as altruistic – or as helpful – as they might appear. On one hand, a sourcing agent can provide access to a network of vetted factories and save entrepreneurs a lot of time. They can help you navigate the process and serve as your in-country representative. 

On the other hand, more than 90% of sourcing agents are reported to get hidden commissions from factories. “As a result, when things go wrong, they often tend to defend the factory,” writes one expert. “Some intermediaries are invaluable. Others are completely incompetent or, even worse, flat out crooks. Some do not even reveal that they are acting as an intermediary, leading you to believe you are dealing directly with the factory.” 

Sourcing agents commonly take advantage of uninformed entrepreneurs by manipulating the pricing scheme in the factory’s favor. There are a few ways that a sourcing agent charges for their work. Some charge a large flat fee upfront; others charge “a percentage of your manufacturing transactions for some set period of time or a set number of transactions.” 

In each of these instances, it’s easy for the sourcing agent to find a low-cost (and often low-quality) manufacturer and split the difference with the factory. For instance, a sourcing agent could charge an entrepreneur $1,000 upfront for a job that costs $500. The $500 difference gets split between the sourcing agent and the manufacturer – and the entrepreneur knows nothing. Other sourcing agents charge hidden commissions or work simply source the product from a different factory than the one they’ve advertised. 

​It is very hard for an entrepreneur to verify that a sourcing agent is being transparent about their role in the transaction. But, sourcing agents can also be invaluable partners. Vetting a sourcing agent requires asking the right questions and getting referrals from other entrepreneurs who have gone through this same process. 

Perhaps the most critical step in vetting a company is checking reviews from other clients who’ve outsourced to their factory. Ask the manufacturing partner to provide references from other clients. Get in touch with those clients directly to make sure they had a good experience. Ask your manufacturing partner who else they’ve worked with, and to put you in touch with someone at the company who can verify the relationship. ​

The Misfits Lair, a project by Zinnia Holdings LLC ©

​Lean product development is an approach to developing products that focuses on reducing waste, speeding up delivery, and increasing profit. This approach to product development is used by dozens of successful companies, including John Deere, Nike, and Intel. Originally formulated by Toyota, lean product development is a great approach for new businesses seeking to capture the most customer value with the least amount of waste. Here’s what entrepreneurs need to know about lean product development.  

​Lean product development, or lean manufacturing, originates from Toyota in the late 20th century. The Toyota Production System was born from a need to meet the varying tastes of car buyers. After World War II, the growing middle class desired cars of different shapes, sizes, and colors, a demand that Ford’s factory model wasn’t equipped to meet. Consumers wanted different models, thereby requiring different materials, production lines, and skilled labor.

Toyota’s approach to meet this demand depended on two central tenets: jidoka and just-in-time. Jidoka is a Japanese phrase that roughly translates to “automation with a human touch.” It refers to a method of quickly identifying and correcting issues that may cause faulty production. “Just-in-time” is a concept that focuses on refining and coordinating each step in the production process so that it only produces what is required for the next phase in the sequence, dramatically lowering waste. 

The rest of the lean product development methodology flows from these two core values. Toyota designed a system that minimizes waste while maximizing value to the customer in terms of product quality, price, and good design. Other companies have since applied the values of lean product development to software, consumer goods, and other manufacturing processes.

Stemming from jidoka and just-in-time are seven key principles that encapsulate the approach to lean development. These principles dictate how an entrepreneur or new business can adhere to the lean development approach to deliver value and minimize inefficiencies. These principles are: 
Eliminate waste: waste includes anything which does not provide value to the end-user. Lean product development experts define waste very broadly, from “unnecessary movement of workers on the shop floor” to inventory deadstock and overproduction. 
Build quality: this is a disciplined approach to making sure products are well-crafted. It includes things like incremental development, automating tasks prone to human error, and constant feedback. 
Create knowledge: provide a way to capture knowledge and document learning throughout the process. 
Defer commitment: “To defer commitment means to not plan (in excessive detail) for months in advance, to not commit to ideas or projects without a full understanding of the business requirements,” explains one expert.
Deliver fast: deliver a simple product to customers quickly and iterate and enhance new versions thereafter.
Respect people: communicate effectively, resolve conflict proactively, respect others and work as a team for the benefit of the end-user. 
Optimize the whole: every part of the operation must be optimized for one specific end goal – delivering value to the customer. 

Lean product development principles have been rewritten and applied to the product design context, as well as to starting a company. The Lean Startup, a 2011 book about product development, outlines how to avoid building a product that no one wants or needs by learning from Toyota’s original lean product development principles. In today’s competitive economy, applying a lean product development approach can dramatically improve your company’s chance of success. 

​Lean product development begins by considering what specific value your product or service can provide for customers. What problem are you solving by developing this product? Do market research and competitive analysis to make sure the demand for what you have to offer truly exists. 

Next, incorporate the principle of holistic optimization. Get all stakeholders involved from the start. Identify a partner who can work with your business from product design to sourcing to production management and logistics. “Collaboration in the early stages of a project reduces the number of negative impacts and holdups that can happen down the line as progress continues. Getting manufacturing involved ahead of time allows for problems to be identified and resolved early, before they cause deliverability issues later,” describes one expert. 

Then, look at ways to eliminate steps in the process that are wasteful or inefficient. The next phase of your lean process seeks to optimize production – often simply constructing a minimum viable product for consumer feedback and testing. An MVP is a version of a product with just enough features to allow customers to conceptualize what your final product will be and provide feedback accordingly. Respond to customer pull and iterate your initial vision based on what the market demands. 

Finally, repeat the process until you’ve achieved perfection. Perfection, as defined by lean product development, is “measurable value with no waste.” It’s an extremely sustainable, profit-building method for product development. Inevitably, this approach benefits both consumers and brands. 

The Misfits Lair, a project by Zinnia Holdings LLC (c) ​

​When new businesses fail, most of the time it’s due to running out of cash. Poor cash flow management is the nemesis of the more than 80% of new ventures that go out of business in the first year.

​It takes a lot of capital to get started, no matter what vertical or industry you’re trying to enter. One of the biggest costs of any new business is equipment: Fundera estimates that entrepreneurs should budget $10,000-$125,000 for their first year’s equipment costs alone. If you’re manufacturing a product, that range can skyrocket, which is why savvy entrepreneurs outsource their supply chain to manufacturing companies overseas. Here are some great reasons why outsourcing your product manufacturing can help your business survive its first year and grow profitably. 

​“Reducing costs is the number one reason why companies outsource. In fact, 59% of companies surveyed cited cost reduction as their motivation for putting this into practice,” writes Entrepreneur. 

Outsourcing to a manufacturing company leads to cost-savings across the board – not just in equipment expenses. As one expert outlines, “savings can be realized in reducing labor costs, overhead maintenance costs, and distraction and redundancy costs.” Many regions around the world offer lower labor costs and use their facilities to serve more than one company. This means you benefit from lower maintenance and utility costs in addition to wages and salary expenses. 

But, cost-savings are just part of the equation. Outsourcing also gives you the power to manage your budget and prevent overspending. Many manufacturing companies offer a pay-as-you-go model. This allows your business to grow at your own pace, test the market, hone in on your target audience, and check your business assumptions to make sure the demand is there. As a result, your startup can be proactive in managing supply to meet demand, lowering your deadstock and inventory management costs. 

​It’s unlikely that, as a startup, one of your first hires is someone with deep quality control and manufacturing expertise. Few new ventures have an in-house engineer or technician who can take a prototype from initial design to fruition. Even fewer new ventures have the resources to visit the factory, conduct quality control, and make sure all is moving according to plan. 

The right manufacturing company will bring expertise to the table to help you develop your product the way you had envisioned. These partners have more experience than your average entrepreneur in product quality, cost savings, and supply chain management. Some partners will hold your hand through the whole production process, sending you photos along the way, managing the logistics and compliance of shipping your order, and performing quality control so you don’t have to. These partners can add value to your team and take on work by which your core employees would otherwise be distracted. 

​“Outsourcing manufacturing to an overseas company equipped with the proper resources and personnel gives businesses of all sizes the opportunity to compete at the international level.  This approach allows smaller companies the chance to partner up with multi-million dollar production powerhouses, removing limitations on their potential,” writes one blog. 

When you have a good idea, it’s important to be first-to-market. Outsourcing to a manufacturing company cuts down on the time it takes to be the first one on the scene. Consider the process of manufacturing in-house: first, you have to find a space, then procure equipment, then materials and labor. By the time you’ve manufactured your first prototype, your competitive advantage has disappeared. Work with an existing factory that can take your plan and turn it into a product with speed and scalability. 

​Outsourcing your manufacturing allows you to move quickly and respond to demand as the market changes. “Prototyping and other production-related functions can be boosted to allow for innovation without draining internal resources,” writes one expert. “When a sudden uptick in demand occurs, outsourcing allows manufacturing operations to scale up rapidly.” 

For more mature companies, outsourced manufacturing is a quick and easy way to expand outside your core offering. If you want a low-risk way to test a product, order a small batch based on your initial prototype to see how customers respond. The right partnership will give you a window to change elements of your design throughout the process. As you develop and grow your product offering, your fixed manufacturing costs aren’t going to fluctuate dramatically. 

The Misfits Lair, a project by Zinnia Holdings LLC (c) ​

The Misfits Lair, a project by Zinnia Holdings LLC (c) ​

Today I received an invitation from Tristan and the Work for Impact team to be part of the initial group of Freelancers to make up the group that gets early access to ​the platform and a look at the first round of jobs. I would love you to be part of it.

Besides being another great channel for Independent Consultants and Freelancers to grow their pipeline, the platform has a purpose, they partner with Non-profits for projects that really make the difference in the world.

So far Amnesty International, Sea Shepherd, World Bicycle Relief, Plastic Oceans, along with hundreds of others are on-board for launch. This is your chance to work for some of the biggest charities in the sector!

​Work for Impact is a platform that seeks to connect skilled individuals with jobs solely from socially and environmentally responsible organizations, and nonprofits. 
All the jobs posted on Work for Impact will provide opportunities to work with ethical businesses and help contribute to a number of amazing causes around the world!

Why would you use Work for Impact?

• You get to work with a wide range of nonprofits and contribute to a number of amazing causes around the world.
• Keep more of your earnings with our pricing structure that is easy to understand and completely transparent.

Be a part of a larger community that’s working together to make a better world.

The way people are working is changing. Thanks to technology, geography is no longer a barrier that determines who you can and can’t work with.  As a result, over a third of the world’s workforce is now freelancing, and this number is continually growing. 

​The opportunities for today’s workforce are endless, and more and more people are taking advantage of this new economy in order to pursue their interests and find projects they’re passionate about around the globe

Interested in growing your business? There are a variety of ways to do so; but how do you know which strategy is right for your venture?
A market product grid helps companies plot out their growth strategy and visualize the risks associated with expansion. It can help key leaders make decisions around product development, distribution, marketing, and even hiring. The matrix was initially published by Harvard Business Review and has since become a core teaching at business schools all over the world. Here’s what you need to know about a market product grid, and how to use one to initiate your growth strategy. ​

 market product grid, also known as an Ansoff Matrix or a product-market expansion grid, is a tool that businesses use to develop a growth strategy by considering new and existing markets, new and existing products, and the risks of each possible relationship. 
The market product grid divides strategic outcomes by four major categories:

• Market penetration: a business creates growth by bringing its current products to existing markets 
• Market development: a business creates growth by bringing its current products to new markets. 
• Product development: a business creates growth by bringing new products into existing markets. 
• Diversification: a business tries to create growth by bringing new products to new markets. 

Why use a market product matrix? The goal is for the company to plan it’s existing products and new products – as well as where they’re going to sell each product – and learn about the risk associated with their plan. The grid is best used to understand your business growth options, but it won’t tell you what actions you should take. 

The simplest market product grid uses two axes: the x-axis for products (new and existing), and the y-axis for markets (new and existing). To use the matrix effectively, business leaders must have a firm understanding of where the best opportunities lie given the company’s current position. Recognize how many resources you can expend, as well as what your risk tolerance is. 
Typically, strategic leaders start in the market penetration quadrant, where they’re bringing an existing product to an existing market. This quadrant is considered the most obvious starting point for any company: it attempts to gain market share in an existing market. This approach “does not require the company to venture into unexplored markets and products. As a result, it provides a lower amount of risk because essentially the organization’s scope remains unchanged.” 
However, sometimes increased competition or economic and legal constraints prevent a company from pursuing further market penetration. In these instances, a company might choose to pursue product development: bringing a new product to an existing market. This strategy is one level up on the risk scale. It involves diversifying to new products, but not to new markets; often, companies mitigate this risk by using the same core technology, instead of developing entirely new products. Likewise, this strategy is likely to be more expensive as new talent and tools may be needed to create a new product. 
Some companies prefer to forgo product development in favor of a market development approach. Market development, bringing an existing product to a new market, requires an effort in planning and customer research. But it doesn’t need to be so complicated. A new market can be tapped simply by: 

• Distributing to a new geographical area; 
  
• Implementing new pricing to attract a new customer set; 
  
• Or, developing new distribution channels. 
  

Lastly, the riskiest growth strategy for a company is full diversification: bringing a new product to a new market. This risk, however, can be offset by the potential gains. Diversification inoculates a company against economic upheaval; when one market fails, or one product goes out of style, the company is protected. Diversification may have the highest investment in terms of research, distribution, and marketing, but it can pay off big-time. ​

A product market grid can help you answer this question. But, strategic leaders must factor in costs, risk, and their type of product or customer. A manufacturing or distribution partner can help alleviate some of the burden of expanding into a new market. Mature businesses will have different risk tolerances than a startup, and depending on your industry, it can be hard to find a place that isn’t already fiercely competitive. Do your market research to learn more. ​

The Misfits Lair, a project by Zinnia Holdings LLC (c) 

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ANDREW PANIELLO  FEBRUARY 5, 2019 in www.bankrate.com

​As the world becomes more globalized and traveling to distant places has become widely accessible, an increased number of Americans are finding themselves with opportunities to work abroad. However, while these new opportunities can often be quite exciting and rewarding, they all still require a large amount of preparation.

Many expatriates tend to overlook the financial planning process of their overseas adventure. In addition to creating a well thought out budget for the trip, there are many other essential details that will need to be accounted for.

Fortunately, we have created a detailed guide to help anyone going abroad prepare themselves financially. By making an effort to assure that your finances are well-kept, you will be able to have the life-changing experience that you’re hoping for.

When it comes to the average annual cost of living, the United States is on the higher end of the spectrum. This means that, depending on where in the world you are traveling to, you may actually be able to save money while living abroad if you can keep your expenses under control.
Regardless, there are still some paramount expenses to be prepared for:

• Board, food, daily travel, and other daily expenses (use a cost of living calculator and compare your destination to your current location)
• Getting to your final destination (travel points and rewards will be quite helpful)
• Passport, visas, and other necessary documents
• Travel insurance
• A “safety net” that can be used for unexpected expenses

In addition to changes with your monthly expenses, your monthly sources of revenue may be changing as well. If possible, it is a good idea to get an estimate of how much you will actually be earning while living abroad. This estimation will help shape the rest of your overall budget.

Even once you have created a financial plan for working abroad, you will also need to make sure that your money is actually accessible. Ideally, you will be able to use a bank that has branches (or associate branches) in both the United States and the country you will be living in. Many banks have arrangements with partner banks in other countries, which is why it will be important to confirm the global reach of the one you currently use.
When comparing possible foreign bank accounts, there are several important details that you should pay attention to:

• Location and number of branches abroad
• Location of ATMs (and associated costs)
• Account type (checking, savings, money market, etc.)
• Foreign transaction fees
• Currency exchange services
• All relevant fees

Even if your bank is resistant at first, transferring your money to another bank account is your right (though there may sometimes be fees attached). By working with a bank that has operations in both the United States and elsewhere, you will have one less thing to worry about when preparing for your adventure abroad.

Now that you have your budget and your bank setup out of the way, the next thing you will need to evaluate is the items you are carrying in your wallet. It is important to recognize the cards and payment options you already own prior to traveling because some cards could have foreign transaction fees or other negative financial implications when used overseas. Do a thorough look at the cards you already have and research any new ones you should get for your travel endeavor.
Fortunately, there are many quality travel credit cards available for you to choose from. Though the card that is right for you will largely depend on your personal preferences, you should keep an eye out for these key features:

• Cards that earn you travel points (especially desirable if you’ll be moving around often)
• Cards that offer travel-related perks (hotels, better seats on plans, restaurant discounts, etc.)
• Lack of foreign transaction fees

It will also be important to make sure that if your card or identity is stolen while abroad, you will have a reasonable recovery plan in place. Being stuck abroad without access to money can be frustrating and even terrifying. Before your flight leaves, notify your card-issuers, coordinate all automatic payments, install your bank’s app on your smartphone, and check to make sure that everything is secure. You may also want to consider getting some traveler’s checks or, at the very least, having a reasonable amount of currency in the denomination of your final destination.

It will be important for you to pay attention to exchange rates. Exchange rates are constantly changing, meaning that the amount of Euros (or any currency) you can buy with a United States Dollar may be considerably different by this same time tomorrow. As your departure date continues to approach, it will be a good idea to monitor changes in exchange rate and make the actual exchange at a point when the dollar (USD) is relatively strong:

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Credit cards, debit cards and prepaid cards offer some of the lowest currency exchange rates. Do your research to see how the payment methods you use abroad will be affected by exchange rates.

If you are abroad for a long period of time, there will likely be at least one issue that emerges that you are not initially prepared for. Though traveling is certainly much easier than it was decades ago, there are still many issues you can run into. In order to protect yourself from the risk of the unknown, you will likely need to purchase travel insurance.
The cost of traveler’s insurance will vary depending on your provider, the things that are covered, the length of coverage needed, and the countries that you will be visiting. All things considered, travel insurance is a fairly comprehensive form of insurance that is likely available for much less than you’d initially assume.

• Injuries or sickness that occur while you are abroad
• Unforeseen costs such as broken, lost, or stolen items
• Reimbursements for certain cancellations
• Travel costs in the event that your plans change

• Injuries or sickness that emerge due to a pre-existing condition
• Losses on flights earned through frequent flyer miles, promotional contest, or other similar situations
• Injuries or financial losses that come from high-risk activities (sky-diving, scuba-diving, etc.)
• Other types of “preventable” losses

​In order to know your exact exposure to risk, you should read the fine print before committing to any policies. Travel insurance can be highly customizable—costs will vary depending on how many types of coverage you hope to include.

Once you have a rough financial plan for your trip, there will just be a few essential details that you will want to be aware of. For your financial and legal security, for example, you will need to be sure of foreign tax status.
Due to the Foreign Earned Income Exclusion and Foreign Tax Credit programs, United States citizens can be protected from double taxation while living abroad. However, you will need to file a tax return in the United States (1040 and possibly others) and pay taxes to the federal government. Variables that can influence your tax situation will include the company you are working for, your intended length of stay, the existence of a work visa, and various others.
Lastly, it is important to be aware of scams. Tourists are prime targets for scams abroad. Do your research ahead of time before booking any extracurricular trips, and always trust your gut.  Common scamming techniques include pick-pocketing, asking for money upfront with the promise of returning later, using children (often as a distraction) to sell products, unverified currency exchanges, and many others. When navigating a new country, it is also better to be cautious. Taking measures such as wearing a money belt, leaving jewelry and outward valuables at home, and planning your travel routes in advance can all pay off in the long-run.

As you can see, there are many important financial considerations to take into account when preparing for an extended trip abroad. There are many events you will simply not be able to plan for, but keeping these three things in mind will be quite helpful:

1.  Plan for as many details in advance as you possibly can.
2.  Be conservative when estimating future expenses and sources of income.
3.  Be prepared for some things to go wrong—this will prevent instances of financial turmoil from causing your trip to fall apart.

With these crucial pieces of advice, you are one step closer to embarking on what may be the trip of a lifetime. By preparing yourself financially, you will gain the freedom needed to enjoy it.

Published by request of:

Blake Hughes
Communications Specialist
Bankrate, Inc.
1675 Broadway 22nd Floor | New York, NY10019