19 amazing underwater photos that will make you re-think life on dry land.

Heads up, Ariel: There's something positively mind-blowing going on under the sea.

These absolutely gorgeous photographs just made a big splash in the international Underwater Photographer of the Year competition for 2018. The annual contest showcases more than 100 of the world's best photos captured in oceans, lakes, rivers, and even swimming pools. With winners in 11 categories, including portraits, wide-angle, and wrecks, the competition brings out seasoned professionals and rising stars in this beautiful — albeit somewhat soggy — hobby.

Underwater photography greats Peter Rowlands, Martin Edge, and Alex Mustard judged more than 5,000 entries to crown the winners. Here are 19 of the best, including Tobias Friedrich's "Cycle War," the image named photograph of the year.


1. Just when you thought you'd seen every fish in the sea...

Two fighting anthias in Tulamben, Bali. ©Anders Nyberg/UPY 2018.

2. ... something swims by and surprises you.

A juvenile grouper hides inside a pink sponge in the Jardines de la Reina reefs on the south coast of Cuba. ©Nicholas More/UPY 2018.

3. Like, really surprises you.

Get a room you two!

Actually, these tompot blennies aren't kissing; they're in a fierce battle in Swanage Pier, U.K. ©Henley Spires/UPY 2018.

4.  It's bold and colorful down there.

A male corkwing wrasse appears in Bovisand Harbor, Plymouth, U.K. ©Kirsty Andrews/UPY 2018.

5. Busy and beautiful too. (Even when it's a bit intimidating.)

The underbelly of a docile sand tiger shark and a large school of "bait fish" in North Carolina. ©Tanya Houppermans/UPY 2018.

6. And on its best days, underwater life is a weird and wonderful combination of all of the above.

Haven't we all been stuck inside a jellyfish at one point in our lives? Hang in there, buddy.

A juvenile trevally is wedged between the tentacles and bell of a jellyfish in Janao Bay, Philippines. ©Scott Gutsy Tuason/UPY 2018.

7. The photographers were able to capture some totally delightful surprises...

A crab feeds in the Vuoksi River, Finland. ©Mika Saareila/UPY 2018.

8. ...like this haunting dance of fierce predators...

Bull sharks swim in the deep blue sea of Ponta Del Ouro, Mozambique. ©Sylvie Ayer/UPY 2018.

9. ...and these graceful, lithe swans that look a little more like lovebirds.

Swans feed in the waters of Loch Lomand, Scotland. ©Grant Thomas/UPY 2018.

10. It doesn't get much more impressive than this commanding humpback whale saying hello.

A humpback whale assumes the "spy hopping" posture in Vavau, Tonga. ©Greg Lecoeur/UPY 2018.

11. But then you see this micro seahorse captured with a macro lens and remember that size isn't everything.

A Japanese pygmy seahorse blends in to its surroundings in Kashiwajima, Japan. ©TianHong Wang/UPY 2018.

12. There's this sweet sea lion, who could teach a masterclass on the perfect selfie.

A sea lion poses for the camera in Julien Bay, Australia. ©Greg Lecoeur/UPY 2018.

13. And so could this Asiatic cormorant, who made sure to show off its good side.

The elegant bird dives for fish in Osezaki, Japan. ©Filippo Borghi/UPY 2018.

14. And we can't leave out this "otter-ly" adorable little swimmer.

An Asian small-clawed otter swims during a training session before it's released back into the wild. ©Robert Marc Lehmann/UPY 2018.

15. Though sea creatures aren't the only ones making a life down below.

The ex-USS Kittiwake sat upright in the waters of Grand Cayman for more than 250 years before surge from a hurricane knocked it over. ©Susannah H. Snowden-Smith/UPY 2018.

16. Humans can't help but experience the thrills....

Musician and surfer Donavon Frankenreiter enjoys the waves in Tavarua, Fiji. ©Rodney Bursiel/UPY 2018.

17. ...and chills of life in the big blue sea.

This haunting image is "Cycle War," by Tobias Friedrich, winner of the Underwater Photograph of the Year.

"Cycle War." ©Tobias Friedrich/UPY 2018.

The photograph captures motorcycles on a truck on the frequently photographed wreckage of the SS Thistlegorm off the coast of Egypt in the Red Sea. Of this winning entry, contest judge Peter Rowlands said, "It is of a subject which has been photographed literally thousands of times. The artistic skill is to visualize such an image and the photographic talent is to achieve it. Perfectly lit and composed, I predict that there will never be a better shot of this subject from now on."

18. But it turns out humans have left a lot of vehicles down there.

This car went through the ice of Finland's Saimaa lake, but no one was hurt.

Always remember where you parked! ©Pekka Tuuri/UPY 2018.

19.  But you can't really blame those people for getting a little too close to the breathtaking beauty of life underwater.

And more importantly, who would want to?

A healthy shark population swims at sunset in Moorea, French Polynesia. ©Renee Capozzola/UPY 2018.

True

2020 was difficult (to say the least). The year was full of life changes, losses, and lessons as we learned to navigate the "new normal." You may have questions about what the changes and challenges of 2020 mean for your taxes. That's where TurboTax Live comes in, making it easy to connect with real tax experts to help with your taxes – or even do them for you, start to finish.

Not only has TurboTax Live helped millions of people get their taxes done right, but this year they've also celebrated people who uplifted their communities during a difficult time by surprising them with "little lifts" to help out even more.

Here are a few of their stories:


Julz, hairdresser and salon owner

"As a hairdresser and salon owner, 2020 was extremely challenging," says Julz. "Being a hairdresser has historically been a recession-proof industry, but we've never faced global shut down due to health risk, or pandemic, not in my lifetime. And for the first time, hairdressers didn't have job security."

Julz had to shut down her salon and go on unemployment benefits for the first time. She also had to figure out how she was going to support herself, her staff and her business during this difficult time. But many other beauty industry professionals didn't have access to the resources they needed, so Julz decided to help.

"My business partner and I began teaching basic financial literacy to other beauty industry professionals," she says. "Transitioning our business from behind the chair to an online academy was a challenge we tackled head-on so that we could move hairdressers into this new space of education, and create a more accessible curriculum to better serve our industry.

Julz connected with a TurboTax Live expert who helped her understand how unemployment affected her taxes and gave her guidance on filing quarterly estimated taxes for her small business. "I was terrified to sit at a computer and tackle this mess of receipts," Julz says, so "it was great to have some virtual handholding to walk me through each question."

In addition to giving Julz the personalized tax advice she needed, TurboTax Live surprised her with a "little lift" that empowered her to help even more beauty professionals. "When my tax expert Diana surprised me with a little lift, I was moved to tears," says Julz. "With that little lift, I was able to establish a scholarship fund to help get other hairdressers the education they deserve."


Alana, new mom

Alana welcomed her first child in 2020. "I think my biggest challenge was figuring out how to be a mom, with no guidance," she says. "My original plan was to have my mom by my side, teaching me the ropes, but because of COVID, she wasn't able to come out here."

She was also without a job for most of 2020 and struggled to find something new.

So, Alana took it as a sign: she decided to launch her own business so she could support her new baby, and that's exactly what she did. She started a feel-good company that specializes in creating affirmation card decks — and she's currently in the process of starting a second, video-editing business.

TurboTax Live answered Alana's questions about her taxes and gave her some much-needed advice as she prepared to launch her businesses. Thanks to their "little lift," they provided her with a little emotional support too.

"I got my mom a plane ticket to finally [have her] meet [my daughter] for her first birthday," Alana says. "I was also able to get a new computer," which helped her invest in her new business and work on her video editing skills. "It's helped my family and me so much," she says.


Michael, science teacher

When schools shut down across the country last year, Michael had to learn how to adapt to a virtual classroom.

"As a teacher, I had to completely revamp everything," he says, so that he could keep his students engaged while teaching online. "At the beginning, it was a nightmare because I had no idea. I had to go from A-Z within a couple of weeks."

Michael's TurboTax Live expert answered his questions about how working from home affected his taxes and helped him uncover surprising tax deductions. To top it all off, his expert surprised him with brand new science equipment and supplies, which allowed him to create an entire line of classes on YouTube, TikTok, Instagram, and Facebook. "Now I can truly potentially reach millions of children with my lessons," he says. "I would never have taken that leap if not for the little lift from TurboTax Live."



Ricky, motivational youth speaker

As a motivational speaker, Ricky was used to doing his job in person, but, he says, "when COVID-19 hit, it altered my ability to travel and visit schools in person [because] schools moved to fully virtual or hybrid models."

He knew he had to pivot — so he began offering small virtual group workshops for student leadership groups at middle and high schools.

"This allowed me to work with student leaders to plan how they would continue making a positive impact on their school community," he says. He wasn't sure how being remote would affect his taxes, but TurboTax Live Self-Employed gave him the advice and answers that he needed to keep more money in his pocket at tax time — and the little lift he received from them has helped him serve even more students.

"[It] has been a major blessing," he says "There will be multiple schools and student groups from across the country that I can hold leadership workshops with to empower them with the tools to be inspirational leaders in their school, community, and world."

Plus, he says, it was great knowing he had an expert to help him figure out how being remote affected his taxes. "I felt confident and assured in the process of filing my taxes knowing I had an expert working with me, says Ricky. "There were things my expert knew that I would not have considered when filing on my own."

Filing your taxes doesn't have to be intimidating, especially after a year like 2020. TurboTax Live experts can give you the "little lift" you need to get your taxes done. File with the help of an expert or let an expert file for you! Go to TurboTax Live to get started.

via Wikimedia Commons and Goalsetter

America's ethnic wealth gap is a multi-faceted problem that would take dramatic action, on multiple fronts, to overcome. One of the ways to help communities improve their economic well-being is through financial literacy.

Investopedia says there are five primary sources of financial education—families, high school, college, employers, and the military — and that education and household income are two of the biggest factors in predicting whether someone has a high level of financial literacy.

New Orleans Saints safety, two-time Super Bowl Champion, and social justice activist Malcolm Jenkins and The Malcolm Jenkins Foundation hope to help bridge the wealth gap by teaching students about investing at a young age.

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True

2020 was difficult (to say the least). The year was full of life changes, losses, and lessons as we learned to navigate the "new normal." You may have questions about what the changes and challenges of 2020 mean for your taxes. That's where TurboTax Live comes in, making it easy to connect with real tax experts to help with your taxes – or even do them for you, start to finish.

Not only has TurboTax Live helped millions of people get their taxes done right, but this year they've also celebrated people who uplifted their communities during a difficult time by surprising them with "little lifts" to help out even more.

Here are a few of their stories:


Julz, hairdresser and salon owner

"As a hairdresser and salon owner, 2020 was extremely challenging," says Julz. "Being a hairdresser has historically been a recession-proof industry, but we've never faced global shut down due to health risk, or pandemic, not in my lifetime. And for the first time, hairdressers didn't have job security."

Julz had to shut down her salon and go on unemployment benefits for the first time. She also had to figure out how she was going to support herself, her staff and her business during this difficult time. But many other beauty industry professionals didn't have access to the resources they needed, so Julz decided to help.

"My business partner and I began teaching basic financial literacy to other beauty industry professionals," she says. "Transitioning our business from behind the chair to an online academy was a challenge we tackled head-on so that we could move hairdressers into this new space of education, and create a more accessible curriculum to better serve our industry.

Julz connected with a TurboTax Live expert who helped her understand how unemployment affected her taxes and gave her guidance on filing quarterly estimated taxes for her small business. "I was terrified to sit at a computer and tackle this mess of receipts," Julz says, so "it was great to have some virtual handholding to walk me through each question."

In addition to giving Julz the personalized tax advice she needed, TurboTax Live surprised her with a "little lift" that empowered her to help even more beauty professionals. "When my tax expert Diana surprised me with a little lift, I was moved to tears," says Julz. "With that little lift, I was able to establish a scholarship fund to help get other hairdressers the education they deserve."


Alana, new mom

Alana welcomed her first child in 2020. "I think my biggest challenge was figuring out how to be a mom, with no guidance," she says. "My original plan was to have my mom by my side, teaching me the ropes, but because of COVID, she wasn't able to come out here."

She was also without a job for most of 2020 and struggled to find something new.

So, Alana took it as a sign: she decided to launch her own business so she could support her new baby, and that's exactly what she did. She started a feel-good company that specializes in creating affirmation card decks — and she's currently in the process of starting a second, video-editing business.

TurboTax Live answered Alana's questions about her taxes and gave her some much-needed advice as she prepared to launch her businesses. Thanks to their "little lift," they provided her with a little emotional support too.

"I got my mom a plane ticket to finally [have her] meet [my daughter] for her first birthday," Alana says. "I was also able to get a new computer," which helped her invest in her new business and work on her video editing skills. "It's helped my family and me so much," she says.


Michael, science teacher

When schools shut down across the country last year, Michael had to learn how to adapt to a virtual classroom.

"As a teacher, I had to completely revamp everything," he says, so that he could keep his students engaged while teaching online. "At the beginning, it was a nightmare because I had no idea. I had to go from A-Z within a couple of weeks."

Michael's TurboTax Live expert answered his questions about how working from home affected his taxes and helped him uncover surprising tax deductions. To top it all off, his expert surprised him with brand new science equipment and supplies, which allowed him to create an entire line of classes on YouTube, TikTok, Instagram, and Facebook. "Now I can truly potentially reach millions of children with my lessons," he says. "I would never have taken that leap if not for the little lift from TurboTax Live."



Ricky, motivational youth speaker

As a motivational speaker, Ricky was used to doing his job in person, but, he says, "when COVID-19 hit, it altered my ability to travel and visit schools in person [because] schools moved to fully virtual or hybrid models."

He knew he had to pivot — so he began offering small virtual group workshops for student leadership groups at middle and high schools.

"This allowed me to work with student leaders to plan how they would continue making a positive impact on their school community," he says. He wasn't sure how being remote would affect his taxes, but TurboTax Live Self-Employed gave him the advice and answers that he needed to keep more money in his pocket at tax time — and the little lift he received from them has helped him serve even more students.

"[It] has been a major blessing," he says "There will be multiple schools and student groups from across the country that I can hold leadership workshops with to empower them with the tools to be inspirational leaders in their school, community, and world."

Plus, he says, it was great knowing he had an expert to help him figure out how being remote affected his taxes. "I felt confident and assured in the process of filing my taxes knowing I had an expert working with me, says Ricky. "There were things my expert knew that I would not have considered when filing on my own."

Filing your taxes doesn't have to be intimidating, especially after a year like 2020. TurboTax Live experts can give you the "little lift" you need to get your taxes done. File with the help of an expert or let an expert file for you! Go to TurboTax Live to get started.