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recurring-polynya · 3 years

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soul reapers to get paid and their salaries are even quite high! if i remember correctly, lieutenants make around $7k while a captain’s salary is almost triple(nearly $19k)

(cont) that is if my conversion was right, in a JET interview kubo said captains make 2million yen, lieutenants - 700 000yen and an unseated officer - 200 000yen. but then again, i think the living cost in ss is much higher, i remember matsumoto mentioning that clothes in the living world are much cheaper

I have to say this is one of the liveliest discussions on Bleach meta that I have ever participated in on this website. I feel like I can definitively report that is is both fanon consensus and supported by the creator himself that Soul Reapers do, in fact, get paid. For the record, my husband, who started this, conceded days ago and I am sure has not thought about it since.

In any case-- I was very surprised by these numbers, and at first I thought that maybe they were in kan, the fictional currency used in Soul Society, rather than yen. I mean, $19k/year is a terrible salary (for those of you who are not American it is roughly minimum wage). I attempted to figure out the conversion rate between kan and yen once, and at the time, came to the conclusion that kan were worth somewhat more than yen, but I no longer have my scratch pad, so I cannot show my work. Looking at it again, they seem pretty close.

Then, just to get an idea, I googled the salary of a four-star general in the American military, which I thought should be a rough equivalent, and the article I found reported all its numbers in monthly salaries, which I am not used to seeing, but maybe they are more common in other countries. In any case, according to the article I found, the highest salary you can make in the US military is $15,800/month ($189,600/year), which is pretty close to what a Gotei captain makes. I realize that is a lot of money on an absolute scale, but that actually seemed shockingly low to me, in the sense that there have only ever been 246 four-star generals in the history of the U.S., but this is the sort of salary that, say, a C-suite executive might make. A president of even a public university can make 2-5 times this. Now, a career in the military comes with a lot of other perks-- free room and board, free healthcare, etc, but I think this is going to make a much bigger difference to the people in the lower ranks.

The more I thought about it, I do think this tracks, though. Gotei captains are immeasurably valuable and basically impossible to replace. One of the more chilling moments leading up to the Winter War was the part where Hitsugaya is basically like “we don’t know how many Arrancar Aizen has, but if it’s more than 10, we’re screwed” and then it cuts to Hueco Mundo, and Aizen is just surrounded by guys. So, yeah, it honestly makes perfect sense to me that captains are paid a “good living” but it’s insulting compared to the wealth of the nobles that live around them. I don’t usually have a lot of nice things to say about Byakuya, but I do want to emphasize that this has to be chump change for him. This guy definitely works out of a sense of duty, he is not in it for the Benjamins.

The vice-captain salary (~$84k/yr) comes closest to an O-4, which corresponds to a major or a lieutenant colonel, and usually entails about 10 years of service. I guess years count for less when you’re immortal, so I guess that works out. One thing that doesn’t fit is that in another interview, Kubo states that Renji’s sunglasses cost half a year’s salary, but their price is listed in the Bleach Bootleg as 84,700 kan. If a kan is roughly equal to a yen, this is wildly off. I will get back to this later. In WDKALY, there was some mention of vice-captains and captains being given “mansions” to live in (if they chose to). I absolutely cannot accept this fact as canon. I can’t. I mean, there are numerous omake about Hisagi trying to score free food out of Omaeda, yet this man lives in a mansion? And do not tell me he (or Matsumoto or Iba) would pass up living in a mansion if they had the option, even if the commute were an absolute nightmare. Maybe he can’t afford the cost of utilities and furnishings. I don’t know. Please, someone write me a sitcom of Hisagi and Kira living in giant mansions next door to each other, but it’s just like the Bluths living in the sample house in Arrested Development. [Aside: Renji would take the mansion, but he would turn it into an indoor soccer field and continue to sleep in the barracks search your heart you know it’s true]

Back on topic! The unseated officer salary of 200k yen/mo works out to an E-3, which is what an enlisted service member makes after a year. Everyone in the Gotei is considered an officer, and unseating people are awful, so, once again, this seems fine. Well, it seems shitty, tbh, but consistently shitty.

To really answer the question of “is this shitty?” though, we need to consider buying power. Earlier, I mentioned that Gotei service includes free room and board, and that alone is equivalent to a lifetime of wealth for someone from the lower Rukon. I mentioned earlier that I once tried to calculate the exchange rate between kan and yen using a variety of prices for various items. I wish I had kept better notes, because my main takeaway was that prices for things were not very consistent. A copy of the Seireitei Bulletin is 380 kan. Using a straight kan to yen to dollar conversion, that’s $2.80 (I am using 100 yen = $1 because it’s close enough, in case anyone was wondering). Sexy photo books of the captains cost ~$25. The budget of the Shinigami Women’s Association is $2500/year, and the Men’s is $900/year, which is roughly the cost of one pair of sunglasses. I think it must have been the sunglasses that threw me, because I kept trying to peg the cost of a pair of sunglasses to a half year’s salary. The club budgets are just honestly confusing because I have no idea what a calligraphy club budget should look like. It seemed... fine... that a club budget should be equivalent to half a year’s salary? To be honest, I think a kan should be roughly equal to a yen and the sunglasses are just priced too low. (Not a statement I ever thought I would be making).

The comment about clothes being cheaper in the World of the Living makes a lot of sense! Cloth in Soul Society is probably hand-dyed, rather than mass printed, and sewed by hand, rather than by machine. On the other hand, if you wanted goods made in traditional ways, it would be a lot cheaper to get in Soul Society. A chusen-dyed kimono is a luxury good in 2021, because you have to option to order a cheap t-shirt and sweatpants from Amazon. Everyone wears hand-made kimono in Soul Society because that’s what there is, so the price is going to be relatively lower. I do think that cost-of-living jumps sharply inside the walls of the Seireitei, and that it’s very common to do your shopping in the upper districts of Rukongai, where there are lot of highly skilled artisans making goods for the city-dwelling market. I figure that one of the few opportunities for upward mobility, aside from selling your soul to the military is to make enough money to buy your way inside the gates (either through overpriced business licenses, getting a noble patron, or by arranging a marriage to someone who already lives inside)

That being said, I have thought a lot about importing items from the WotL--shinigami usually travel through senkaimon, which do not allow for matter conversion, so they wouldn’t normally be able to bring anything with them. I imagine that it’s sort of a perk of the job that when you go on a mission where you have to go through a matter converter (which would include any time you are bringing a gigai over) you could smuggle back whatever you can fit in your kosode. It’s very strange which technology is adapted from the World of the Living (washing machines, treadmills, urinals) and what isn’t (coffee). In fanfic, it’s common to see shinigami wearing Living World clothing in their off-hours, but I don’t think that’s supported by canon or filler in any way. For my own fanfiction, because it’s fun and world-buildy, I like to pretend that Ichigo is a very popular figure after the Winter War and that World of the Living fashion, music, etc becomes popular, starting during the two-year timeskip, particularly among the younger denizens of the Seireitei, and that there are special bars and such that specialize in that kind of thing. Shinigami who have done extensive stints in the Living World are considered cool for their knowledge of such esoteric subjects as “rice cookers.”

I am done now! I swear! Thank you, everyone for reading all the way down to the bottom of possibly the nerdiest and most boring post I have ever made on this website! (wait, no, I just remembered the one on senkaimon transfer protocols. Second most boring.)

#soul society #bleach worldbuilding #weirdly enough i have just been talking about a number of these topics in my latest chapters of a little in love #i took exactly (1) economics class and it made me a monster

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koffeefrkeleven · 6 years

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Thoughts

I’m sure just about everyone has heard some relatively affluent person (middle class job, couple kids, suburban house) grumble about feeling financially pinched. Usually these people have crappy conservative views they share with their co-workers at the office, and together they grumble about anybody getting social services “must be nice,” they’ll say, “they (people on welfare) probably live better than I do...” Not sure why I am thinking of this. Maybe they just don’t know anyone who lives in poverty, or maybe the people they know they assume are outliers and “special cases” and “not like the rest of the freeloaders“. Maybe they even have their own experience of a job loss, or financial setback and they even view themselves as the exception to the rule that justifies their socioeconomic status and that of everyone below them.

...

I’ve read that it is true in America that the middle class only make comparisons of their situation to the people above them. Their boss that has a newer car or gets more vacations or has a larger house it a classier zip-code. I don’t watch much television as an adult, but it seems TV only ever portrays people of a certain affluence. You can tell by the gleaming counter-tops and the spacious imaginary rooms. To be poor in America is to be invisible. Maybe the Bundy’s in Married With Children or the TV family of Rosanne Bar, --but neither depicted poverty even if they were more recognizable. A little scrappy, but not poor. I think I am floored by this line of thinking, I mean, middle class folks rent space to store their shit because even though they live in a massive house they still need room to store their shit. They buy houses with enough room (with an empty room) in case they need to “grow their family.” The counterpoint to this (using myself here, disabled since 2001, I have worked at least part time all but a couple years since then). I have, --what is to me-- a very pleasant, cozy 2br apt for my son and I. I would imagine people with more money would be unused to quarters this cramped, but otherwise, coming to my apartment wouldn’t be that much unlike walking into a home of an affluent friend, --if scaled down. There’s the usual TV (a CTR for my son to play video games) a game system or two (gifts, often) and other electronics I use for my living. In the kitchen, the fact that consumer goods are cheap means I have either thrifted or been gifted all the things they would likely recognize in their own kitchens. Perhaps the basics, anyway, since I largely don’t buy small appliances. Still, there’s nothing here that screams to most people “dire poverty” (--to be fair, I don’t live in dire poverty, I’m just a hair below the poverty line with my income for selling art teaching and hosting events). Even though consumer goods are cheap, most of my clothes are years old, and I wear them until they fall apart. Even if you are poor, you can’t afford to look poor --especially as a teacher or artist. I have to have some suit jackets, and I have an abundance of ties. My furniture, like my clothes, are repaired again and again, until they can’t be any more. Gifts, dumpster-diving, bought second hand. There is maybe a half-dozen pieces of furniture I bought from an actual furniture store. There are some valuable things related to my occupation, or (frequently) gifted by more affluent family or gotten second-hand from friends.

I eat very well, but there’s a couple factors to this. There’s a the federal subsidy I financially qualify for, and I go regularly to food pantries (imagine if you will the unspeakable horror of off-brand cereals and peanut butter, --shocking to the affluent? Maybe?). Joking aside, being disabled I have more time than food budget so I stretch my dollars by buying no pre-made foods at all. A bag of potatoes in the long run is cheaper/more versatile than a bag of tater-tots. I make my own breads, pizza dough, and (often) my own crackers and tortillas.

If I am painting a rosy picture of “poverty,” --that’s intentional. I’m well aware there are many, many people clicks down the economic ladder. I’m protected from “dire poverty” by two things: federal disability and my education (which assures the work I do when I am able is paid at a much higher rate than minimum wage). My disability is also higher than most, because disability is calculated based on your last wage (ie: my last year teaching full-time). Interestingly enough, it is the people that live in “dire poverty” that the middle class maligns. Poverty cuts across racial lines and demographic concerns like the urban/rural divide that defined so much of this last election cycle. In Western Saratoga County (where I grew up) poverty was obscured by the fact it as down a driveway in a trailer park hidden by stands of trees to obscure it from the road. Trailer parks are tucked on side roads and dilapidated farmhouses with sagging porches. It’s part of American’s ugly legacy of racism that the popular imagination puts a brown face and Africanized name on poverty. But even where poverty is deeply entrenched it’s hidden because more affluent neighbors find it unsightly. They re more worried about their property values than homeless having a bed when the temperature dips during a NY winter. The max amounts for TANF (public cash assistance) for a family size of 2 or 4 people is $363 or $763 (assume single adult, kid, or 2 adults, two kids). On that, it would be hard to find an apartment I could live in in the city I live in. There’s a paltry $100 dollars more if you qualify for a “special housing need” which at the household of 4 is $711 a month, --which might get me a decent studio apartment, --might-- and with nothing left over for the month. And that is the first major problem of dire poverty, right there. Poverty means you’re pretty much always going to go from one crisis situation to another to keep living in doors. There’s a paltry $100 dollars more if you qualify for a “special housing need” which at the household of 4 is $711, --which might get me a decent studio apartment, --might.

“But why don’t they just get jobs?” Thanks for paying attention, Jimmy, --they do work. All public assistance recipients are required to work to get benefits. It’s been that way for years. Because you have a charmed life and have never needed assistance, you are lucky enough to avoid finding out that “just getting a job” doesn’t cure poverty when wages have been stagnant for so long that people are working their 40 and still can’t make ends meet or get ahead. Assuming they can get a full-time gig, because we in the US allow profitable companies to hire many PT workers have them work just enough so they don’t qualify for health care and benefits. If and when they get a bit ahead, their gain will be lost if they or a child gets sick or some other emergency expense arises.

Good try though, buck-o. This has been long. I could spill a lot more ink (or computer pixels --as it were) on this topic. There is an idea among the middle class that poverty should be made so mollifying and humiliating that people would be shocked into doing everything it takes to uplift themselves so they are never poor again. If you have spent time at DSS, look around at the tired, worried faces. It is exactly as humiliating and mollifying as Conservatives want it to be. But these are people with almost no way out. A job hasn’t gotten them out of poverty. The benefit they’re seeking won’t do it. These are people just being ground up and sent to their graves early by a broken economy with a dead safety net. If you ask a poor person how you strike it rich in America, --they will probably take you to a corner store or market and tell you to buy a scratch off. And economists that study social mobility in America will likely agree with them. Because the American dream is dead, and the dollar and a dream is what they got now. The American middle class is pinched as well, and feeling resentful. The middle class has been swallowing a meanly crafted folk-lore about poverty and supposed “generous benefits” that barely keep people in housing and alive for 30 years now. Even without any idea of what poverty is like, most middle class Americans are too scared to lose what advantage they have and are fighting like hell to keep it. Fighting for the status quo that grinds up the people below them. The middle class has almost no interaction with the poor, --generally. I wish I felt better about my country. I wish I liked people that are economic “winners” more than I do. (I do have many friends that are pretty affluent, --owning their own homes even in a city like Albany with it’s relatively high cost of living, --but most are urbanites who see the poor daily, and they get it. They are usually very aware of how good they have it and often I find they pick up the tab when we go out together --because money doesn’t matter, or at least not more than the company does, I hope). The question of whether “they have it better than I do” is pretty easily answerable, --however.

#poverty #thoughts #essay #America #disability #mental health #poor

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hellowallflowerfriend · 7 years

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Dare to DREAM

“Those who have the privilege to know have the duty to act.” - Albert Einstein

I first met a person without documentation when I was in high school. I was carrying hot, silver trays of pizza alongside her, sweat dripping off my brow, calling out a diner’s name with increasing urgency. We made eye contact, a quick word, as we hustled through all five dining sections. Once free of our burning delivery, we servers frantically rubbed our hands, hoping there wouldn’t be blisters following our quest to deliver food to an absorbed dinner party. We did not talk about the guest’s laughter, “Oh, that’s me! Hope you didn’t pass me too many times! Ha-ha-ha!”

We both waited tables every weekend together, no matter the holiday, no matter the weather, no matter the game we were missing or birthday we weren’t celebrating. We grimaced through cursing customers, kept our lips closed through suspect behavior in the back of the house, and kept our noses mostly down.

But, there was a separation between us, large enough to be a schism. Even though we scraped gum off of the underside of tables side-by-side, even though we both swept away the greasy napkins and half-eaten pizza slices our peers or peers’ parents dropped and didn’t bother to pick up, my coworker seemed so much older than me. Don’t get me wrong, she was beautiful, and she looked her age, but she carried herself with a matter-of-fact-ness that I had only seen in adults up to that point. She seemed a little more reserved, less likely to engage in silly teenage behavior like truth-or-dare, or prank phone-calling a crush at a sleepover.

I remember when I came in to apply for the job, eating a salad and some wings with some friends, that freedom in sitting at the table that I so took for granted at the time. I had not told any of my friends, but I was eating free lunch at the school and was applying for the job so I could buy some soccer cleats. My dad had stopped paying child support, and if I couldn’t get those shoes from my parents, then I sure as heck was going to find a way. After all, I had college to plan for, and the more athletics, clubs, leadership positions, and awards I could put on my application, the better my hard-earned GPA would look.

At this point, I was, “passing,” as cut from the same cloth as my wealthier, higher-achieving friends. We still had the house and the nice car, and I knew how to bargain shop and find nice-looking things at thrift stores. I paid my friend to give me rides to and from soccer, gave treats to friends who were able to give me a ride to or from work, and managed to save up enough money to pay for my first semester of books out-of-pocket in college.

I remember posting to Facebook about which college I decided to go to, using waived SAT fees and application fees along the way. I looked for my coworker’s brother’s post about college: he killed it in Honors Chemistry, and I knew he had a pretty GPA. But, the post never happened. His older sister, despite her beautiful singing voice, her awesome grades, her maturity, her ability to ALWAYS BE WORKING… Lord, that girl could work… She sort of disappeared too.

So I began to wonder. Here I am, rubbing shoulders with kids who drive better cars than I could even entertain the idea of purchasing for myself, given as gifts from parent-s-. Here I am, moaning to myself that I have to go to work after classes and follow with homework. Here I am, biting my tongue as I admit that I can’t afford to go out to dinner, and my friend asks, “Why don’t you just ask your parents?” It’s not that I was ashamed, it just wasn’t worth the awkward response I would get in reply. As hard as this is, begging the student aid employees to help me apply for another loan, because now with working 40-50 hours of an unpaid internship, I can’t afford to work 15-20 hours a week on top. As hard as this all is, being the person who is “passing,” in this world I feel I don’t fully belong in, this world of new sundresses for every football game, this world of pledging to organizations that have monthly fees, this world of blonde hair and Rayban sunglasses… I am still here.

And one day, I realized why my coworker smiled less, worked harder, and kept to herself. She was not going to leave this life like I got to. I waited my last table about one year and two months ago. She is still scrubbing, biting her tongue, burning her hands, on her feet for hours, having no healthcare, not being able to buy glasses like I once was unable to… and on top of that, she may not be able to live here much longer.

My friend is able to stay here in America because of DACA, or Deferred Action for Childhood Arrivals, passed by President Obama through an executive order. This is supposed to have been because the DREAM (Development, Relief, and Education for Alien Minors) Act was not being passed through Congress.

Let me tell you something. I have, in the jobs where I have sweated most, been yelled at most, been treated the least like a human, have walked my legs numb… in these jobs, I have met all the non-citizen second-generation people I know. I have met these people who moved here as children. I myself was born in Ohio, but if someone told me I had to move back tomorrow, I wouldn’t know where to begin. I would lose my job, have to say goodbye to friends and family I hold dear, and God knows how I would be able to finance a new life in this new state.

Now imagine this in an entirely different country.

In this country, people may speak a language you heard around the house occasionally, but may not know as well as English. You do not know where the safe parts of the city are, where the cheapest rent is, where the most honest employers can be found. You may not know the culture, the religion, the societal norms as well here. You do not call this place home.

The place you call home will employ you, but only in jobs where there is little to no room for growth. Landscaper. Housekeeper. Waitress. Receptionist if you’re lucky. Some of these jobs will pay you under the table, but it will likely be a little less than what a “”””normal”””” worker would be paid, because after all, who can you tattle-tale to? And don’t worry, no matter how hard you work your ass off, no matter how seriously you take school, no matter how well-rounded, well-spoken, intelligent, kind, and good you are… you sure as hell can’t go to school. Look at how hard it was for me, and I had federal aid on my side. Tell me whose mother or father can afford to send his or her son to college on landscaping or housekeeping or construction wages.

As a friend to some of these individuals, I am enraged. How can my friends continue to suffer? DACA is the bare minimum a person deserves in this life. DACA (Deferred Action for Childhood Arrivals,) allows a child who immigrated here with his parents without papers to stay in America. DACA lets these individuals stay here, but at the cost of their own human rights. The right to fair and equal pay to peers. The right to healthcare offered through one’s career. The right to apply for federal monetary aid. The right for education to serve its intended purpose as THE GREAT EQUALIZER, meaning that if one works hard in school, s/he may use this hard work to pursue further education.

My friends did not choose to come here without papers. My friends did not ask to toil their lives away. My friends did not ask to drive every two years to an office, to stand in line, to be shuffled through like cattle and stamped off as, “okay to continue to work,” as they obtain permits for their less-than careers that they know, in another life, they could have done better than.

I did some research on how much it costs to obtain citizenship for one person in America. In 2017, the fee for ONE individual is $745. For a green card, it can cost about $1000, including fees. If someone is willing to leave all their family behind in pursuit of a better life, do you think they are able to afford this? If someone is willing to come here without following the proper steps, fleeing something or escaping poverty or suffering in some way, they live their lives as slaves to the land so that their children may have a better life. There is no luxury in being a person without papers.

So Mother or Father suffers to obtain basic needs for the family, working hard hours, only for the cycle to REPEAT ITSELF despite said son- or daughter’s honest, hard work. The cycle repeats itself despite the fact that this son or daughter could literally not give consent to the move, and the son or daughter could not afford to live on his or her own.

My fellow Americans, I think we can do better than DACA. I believe we can do better than letting children who were brought here stay here. I think we can give my friends, these humans who are worth so much more, have the basic rights that every documented American here reaps. I never chose to be American, just as my second-generation immigrant friends never chose not to be. The difference between us and me is that I have the right to go to college without paying the entire tuition out-of-pocket each month. I have the right to visit the hospital and know that my job offers benefits, so I will be okay. Myself, I am a DREAM-er, and my dream is to see my friends SB, SH, CR, JB, O(?), A(?) and VR have *half* the privilege I have inherited in my life. Maybe, just maybe, if I DREAM big enough, one day I’ll see their names finally written on that diploma they always deserved but were never allowed to receive.

#dreamact #dream act #daca #immigrantrights #daretoDREAM

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nancygduarteus · 5 years

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Everything Is a Subscription Now

I’m a person with a toilet-paper subscription. I bought it through my Amazon Prime subscription: Every few months, an embarrassing box of toilet paper arrives at my apartment, at which point I’m charged around $30, which includes the 5 percent savings the retailer awarded me to secure my toilet-paper business in perpetuity.

The same thing happens when the pet-supply company sends me two bags of dog food every six weeks, or when Adobe lets me use Photoshop for another month. Instead of CDs and DVDs, Netflix and Apple Music grant me access to movies and music on a rolling basis. A cosmetics retailer sends me beauty-product samples every month. I never use them, but still pay $10 each time.

For most of American consumer history, subscriptions were the province of magazines, cable, and other media: You paid an annual fee, and news and entertainment organizations gave you their new work as it became available. But as digital payment technology has improved and people look for ways to navigate stress, stagnant wages, and online shopping’s near-infinite purchase choices, the value proposition of subscriptions have changed. So too have the kinds of products people can subscribe to.

Today, things that can routinely show up to your doorstep include: misshapen vegetables, personalized vitamin cocktails, dog toys, a vast wardrobe of clothing and accessories, and even a sofa. In a consumer market of disposable fast fashion and cheap assemble-at-home furniture, the idea of wasting less while getting to use nicer, higher-quality things for a monthly fee is a compelling sell. But what’s harder to predict is what might be lost when the effort to buy less stuff turns into renting huge swathes of your daily life.

A subscription, at its base, is simply a schedule of recurring fees that gives consumers continual access to a good or service. A car lease is a subscription, but so is your gym membership and the way you use Microsoft Office. Subscription creep dates to at least 2007, when Amazon launched Subscribe & Save, a service that lets shoppers pre-authorize periodic charges for thousands of consumable goods like sandwich bags or face wash (or toilet paper), usually at a slight discount over individual purchases. Then came Birchbox in 2010, which provides women with miniature portions of beauty products on a monthly basis for $15. At its peak, the company was valued at more than $500 million.

Both Amazon’s and Birchbox’s models have been widely copied, and their success underscores subscriptions’ appeal to businesses and consumers alike, according to Uptal Dholakia, a marketing professor at Rice University. “The pain of payment and the friction of how a person is going to pay is totally gone,” he says. Consumers receive things they need or want without having to make any decisions, and that creates more stable and predictable revenue streams for the businesses they patronize.

The pitch for Feather, a two-year-old startup that lets consumers borrow suites of furniture for their apartments, sounds a little dystopian. “We don’t own our apartments. We don’t own our cars. We don't even own movies anymore. So why own your furniture?” the company asks on its website. It isn’t that Feather is wrong; Millennials are less likely to own homes and cars than their parents were at the same age, and streaming services dominate entertainment so thoroughly that Best Buy has largely phased out CDs in its stores. But in the face of all that instability, don’t you at least want your sofa to be yours? Feather says the new normal is “defined by freedom and flexibility.” But generational precarity is hardly an exciting lifestyle.

Jay Reno, Feather’s founder and CEO, is realistic about the frequently less-exciting circumstances of sofa rental; he’s moved almost a dozen times himself. “Most people in our consumer demographic are looking for disposable furniture,” he explains. “Your life is changing constantly, you’re moving apartments, you have a different layout in each apartment and different furniture needs.” The company currently operates in New York and San Francisco, two hyper-expensive cities where young, often affluent people tend to bounce between apartments and roommate configurations. The furniture they need might change pretty quickly, along with the rest of their lives. Although Feather offers terms as short as three months, Reno says that most of its customers rent for a full year—the length of an apartment lease.

Rent-to-own businesses have a notoriously predatory history with America’s working poor, but But Reno claims Feather is trying to apply a less vampiric approach to what can be a practical service for apartment-dwellers in unpredictable stages of their lives. Traditional rent-to-own models have been accused of profiting off of their customers’ desperation, not their desire for flexibility. According to Reno, Feather is targeting educated, middle-class consumers who can probably qualify for in-store financing at West Elm—the same type of people who might have been proudly buying a new dinette set for their young family at Havertys in the 1980s. But back then, those shoppers could expect their dining area to be the same size for the foreseeable future.

If furniture subscriptions might help consumers delay a purchase decision that feels too permanent to handle, Rent The Runway might help shoppers stop making purchases that have gotten too easy. The dizzying variety offered by online shopping and the pressure to look great on social media create an intense incentive for women to continually expand their wardrobes, which can strain both budgets and the physical limits of one’s closet. Rent The Runway opened in 2009 to rent special-occasion dresses, but in 2015, it launched a $159-per-month service that gives subscribers access to a rotating array of everyday clothing. Users can swap out for new pieces when they’re done or keep them for an extra fee.

The same year Rent The Runway’s subscription service launched, the average American consumer purchased 65 pieces of clothing, even though most people use relatively little of their wardrobe. Surveys estimate that only 20 percent of people’s clothing sees the light of day with any regularity. Most individual pieces are only worn a handful of times before being discarded, usually into landfills. At the same time, super-cheap clothing is more omnipresent than ever, which can make it seem like a smart, budget-conscious choice for refreshing a seasonal wardrobe or flexing on Instagram.

In theory, a wardrobe subscription gives people access to the variety that modern life demands, in addition to the kind of high-end clothing that it would be impossible for most people to wear every day. “We used to be a business that was more about the cherry on top of the sundae because it was something super special,” says Anushka Salinas, Rent The Runway’s chief revenue officer. “Now people are using us as a utility.”

But along with the advantages of variety or quality comes a downside. Whether or not a subscription to breakfast smoothies or Reformation dresses or mattresses makes sense depends on individual consumer circumstances, which Dholakia says people are bad at evaluating on their own. “You tend to overestimate how much you will consume,” he explains. When signing up for meal kit delivery, you might tell yourself you’ll cook three times a week, when actually once or twice is more realistic. In the case of durable goods, Dholakia says, the tradeoff is in the long game: “The consumer pays less, but they don’t get to own the asset and benefit from it.”

Spending $150 per month to lease three different sets of bedroom furniture in three different apartments might give you flexibility, but at the end of those three years, you’ve spent $5,400 and still don’t own any bedroom furniture.

Consumers also seem to be bad at estimating how much they spend on subscriptions. One survey found that when asked to guess their monthly spend on subscription services, Americans’ first guess was around one third of their actual output. Because people aren’t continuously asked to opt in, it can be easy for those who don’t have to pay stringent attention to their monthly budgets to lose track of what’s being siphoned off. Dholakia says that businesses profit from this disregard. “You have to go and revisit all your subscriptions as a consumer every month, or at least every quarter at a minimum,” he explains. He also urges consumers to look carefully at what companies require to cancel service. If a particular program’s terms make it onerous to opt out, that’s a red flag that subscribing may be a bad deal in general.

Dholakia is careful to point out that in companies where subscriptions work, it’s generally because they’re providing a service that people actually want or need, not because the revenue model itself is a golden ticket. Birchbox, one of the early darlings of the subscription economy, has had some well-publicized growth and revenue struggles in recent years as people tired of paying to receive a different mini mascara every month. Blue Apron, which has had its subscription meal kits copied by numerous competitors, had more than a million subscribers in early 2017; by 2018, that number had dropped to fewer than 800,000.

Both Feather and Rent The Runway Unlimited think they have identified places in which the things people are supposed to own don’t really line up with the ways they have to live their lives: A lot of people rent their homes for a lot longer now, and the internet speeds up trend cycles and keeps permanent records of every outfit you’ve ever been photographed in. Owning things is great, but the constant pressure to shop and acquire—and especially to do so beyond one’s means as a signal of success—is wasteful of both material resources and money. For some, buying flexibility and novelty without commitment or unnecessary waste might be worth more than an IKEA sofa or a bunch of Zara clothes.

Rental furniture and wardrobing services remain a bandage on a bullet wound; they can’t address the reasons that so many people who might have lived comfortable, middle-class lives a few decades ago now don’t know where they’ll be living next year. Still, if you’re one of the many people who find themselves squeezed by circumstance, at least there’s probably a company out there willing to meet you where you are.

“Every business owner in every industry has thought about or is thinking about if subscription makes sense for their products and services,” says Dholakia. “We’re going to see subscription in pretty much everything.”

from Health News And Updates https://www.theatlantic.com/health/archive/2019/05/how-amazon-helped-turn-daily-life-subscription/588526/?utm_source=feed

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ionecoffman · 5 years

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Everything Is a Subscription Now

Article source here:The Atlantic

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captain-spookycandycollecti-blog · 6 years

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My parents need health insurance. They are 50 and 49 years old. Is there anything affordable that you would recommend?

How does business insurance work in a lawsuit?

As a small business, I'm finally getting around to looking at business insurance. God forbid I should get sued, but that would be the only reason I would get insurance at this point. If I get sued (assuming I did nothing wrong that would terminate coverage), what are my responsibilities with regard to paying legal fees? What role will the insurance company play or what control will they have in the litigation process?""

Car insurance question?

My fiances insurance is OUTRAGEOUS on a truck he has liability only on ..due to his driving history. He's paying $300 a month (for liability ONLY now) ..my insurance on my car, for full coverage is not even a fraction of that a month, even though my cars value is at least $10,000 more than his. My question is can we put his truck in my name and I'll go to an insurance company and get liability only on and list myself as the only driver. We are expecting a baby and I'm sick of us throwing away that much money a month for CAR INSURANCE! Is this illegal? I mean if I'M the owner and I'VE insured it what can happen if he wrecks or something while driving it and is not listed on my policy? We live in Georgia if that's relevant!""

Young driver insurance?

what is the best car insurance for young drivers

Is there a dental insurance college students can go on?

I am a college student without insurance. My college doesn't offer any type of insurance for their students, and my parents do not have dental insurance either, but I was wondering if there is a low cost dental insurance I could go on.""

What kind of insurance would i get for a honda cbr 600 (im 16)?

im moving out to california after highschool to pursue the music industry so i figured it might pay for itself in gas money, but then i started to think about insurance...""

Where can I find cheap auto insurance?

I will be looking soon for auto insurance for my first car. I have bad credit, no driving record(I am just about to get my license within the next couple months), and am 26. Where can I find an insurance company with an affordable premium?""

What factors to look for/consider when getting a home insurance?

https://www.linkedin.com/pulse/basic-insurance-quote-alyssa-mcmillan/"

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sizzlingcrusadebouquetfan-blog · 6 years

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cheap 7 day car insurance uk

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cheap 7 day car insurance uk

BEST ANSWER: Try this site where you can compare quotes: : http://insureinfo.xyz/index.html?src=tumblr

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""I own a 2000 chevy cavalier and im 17 years old and need insurance, about how much would that cost?""

Its small, green, and its a two door""

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I need suggestions on good affordable insurance, keep in mind Im a first time driver.""

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Vehicles with lowest insurance rates?

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Car insurance question?

Im 18 (female) i just bought a 1994 ford explorer. I have my license and stuff. First time im getting insurance. I need coverage to fix my car if i was in an accident and fix the other persons etc. Would it be cheaper to the car in my dads name and get insurance under him? Hes 58 and stable job for years and good credit. Thanx

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Homeowner's insurance?

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Estimate on how much my car insurance will be?

I'm financing a new (or relatively new) car pretty soon, it's probably going to be a Nissan Altima which is a very safe car and is probably going to be either brand new or no more than 1 - 3 years old. I'm just worried about how much I'm going to be paying for full coverage insurance because I haven't had a car in a couple years thus I haven't had car insurance in a while and when I did, it was only no-fault insurance. Also, I'm young (22) so that will make my insurance high. However, I have a spotless driving record so that should help. I also live in a safe county if that matters. Anyone have a ball-park figure on how much I can expect to be paying, monthly? Thanks.""

Emancipated 16 year old car insurance help?

I am currently living with my parents and am soon to be emancipated. I was looking at some geico quotes, turned out for minimal coverage was 475$ per month. This was outragous and obviously way to much for any one to be able to afford. To have the type of coverage i would like was 10,000$ per year, the numbers were staggering. Anyway my question is it possible to get insurance at 16 years old on your own for a resonable price. If so with what car insurance company. I have a 3.0 and a perfect driving record, i do drive a camero z28 so i understand its going to be a little higher than average.... thanks, zach""

How much would it cost a year to own a car like a Ferrari in INDIA? pleeeeeeeeeeeeeeeeeeeeeeeeeeee... answer?

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""My car was stolen and recovered, insurance are offering me a low figure or they will repair it.any advise?""

before stolen: smooth drive, nothing wrong with it.. after stolen recovered: insurance says it will cost 2300 to repair it hence offered me 'total loss' and got me a 'salvage offer' of 4k. Insurance is saying I only got two opetions accept offer or have it repaired. I think offer is low and dont want to get it repaired in case something else goes wrong with afterwards.. I always thought you can reject first offer so how come in this case I am not getting the option to reject offer??? Insurance are saying they are getting on 4k from salvages for the car hence wont give me more then that.. but shouldnt my insrance top up with some more or am I being silly? please advise.....""

New car insurance when to get it?

Bought a 2010 Toyota corolla s at rusty Eck ford my grandpa consigned for me and they took a copy of he's insurance to let me drive the car home on 60 day tag plates. Am I supposed to put the insurance right away or after the 60 day tags are over ? I'm in Wichita ks

Insurance????? Help please ?

I'm 18 thinking About insurance and just wondering if I get my mum to go under the insurance do I still get my no claims discount after a year? Cheers rob

""How to save more money as a teen, for a car and motorcycle?""

I'm about to turn 16, and would like to save up for a reliable, cheap (2k-4.5k), good-looking, car. It has to be American, or anything other than Honda, Subaru, Toyota, Lexus, Hyundai, etc. cause dad works for GM. I am paying for the car on my own, most likely, but maybe I can convince parents to pay 1k or so. Money is tight right now in my family. Dad got demoted last year during GM's bankruptcy, and may get a promotion in spring. My Mom is opening a restaurant this year, which is going to cost a lot. I got a job in November at a brand new Kroger grocery store, where I get minimum wage and cannot work over 16 hours per week because I'm only 15. I have saved a little over 1.2k in the bank. I also have invested $500 of my own money this year into stocks, which are up a little. This might sound dumb to some, but I have dreamed of buying a motorcycle. I want a Kawasaki Ninja 650R. AND YES, I KNOW INSURANCE COSTS MONEY, (FOR CAR AND MOTORCYCLE) I'M NOT AN IDIOT. I also need to plan on how to save for that. Any tips, help, and info would be great! Thanks so much.""

""Health Insurance, Medical Insurance, and Individual Health ...?

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How much will my car insurance go up?

I got a ticket for speeding (66 mph in a 45 mph work zone). My ticket total is $438. I am trying to decide whether to get a laywer and fight it or just pay it off. Approximately how much with my auto insurance go up? Cost of lawyer? How many points will I get on my license? I am 22 years old living in North Carolina and have never had a ticket. Advice?

Car Insurance policy?

I was buying home contents insurance a month ago, I realized that It could be bought altogether with some other extras like key protections, legal expenses and home emergency services. Today I am trying to buy car insurance, I wonder what extras car insurance comes with? Regards""

Do I 1st need car insurance to take license test or does the car I use for the test just need to be insured?

P.S. My dad says he has researched and told me in order to get my license, I needs car insurance for myself, not including my dads insured car I would use for the test . I have been searching the web, and found nothing to prove either one of us right. I know I need insurance after I receive my license but is it a requirement when I take the test?""

Is there a site that tells new car insurance groups?

Is there a site that tells you the new insurance groups of cars under the 1-50 rating instead of the old 1-20?

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I want a 2002 toyota Celica and a suv like 2003 escalade Im 15 now but when I get my license I'm going on my mom insurance but I have to pay the bill how much

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Hi. I got pulled today. It is my first ticket and the first time I have ever been pulled. I was going 47 in a 25. I thought that the speed limit was 35 becasue everywhere else around the place I was pulled is 35. I have no problem paying the fine of $222 I would just like to know if anyone could walk me through the process of getting the violation lessend so that it will not be put on my license. Any help that someone could give me would be greatly appreciated.

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I accidentally hit a parked car and there is a lot of damage to my car (paint, door won't open) and minimal damage to the other owner's car (slight tear on rubber bumper) how much will my rates rise?""

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Can i get insurance for a week on a car ?

alright so me and my friends a having a trip from Chicago to Columbus here is the problem my Buddie that was spouse to drive lost his licence and he has no insurance on his car i cant take my car because it sucks in the winter and its a two seater , no good for 3 people ! so can we get insurance for a week ? we really don't need it longer than that , thnx in advance !!!""

Premium rates increase after an auto accident?

I rear-ended a car and that car hit another car. The car in the middle I believe will have lots of damages to repair. When my premium rates increase, what is the deciding factor on how much it will increase? Is it the cost of repairs to the cars? or just the fact that I got into an accident. In addition, with this one accident and 2 cars having damaged does that mean that the insurance company would see me hitting 2 cars instead of one which will increase my premium even more? And by the way, my insurance company is mercury if that helps! Thanks!""

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Need help deciding what car to get next ? 10 points for the best answer.?

Hiya, I just wondered if anyone can help me choose my next car ? I would prefer it to have 5 doors, with a fair size boot, not bothered about speed, but needs to do well enough for motorway useage, cheap insurance, cheap tax, and does a lot of mpg. Also, I have around 2600 to spend. I am in England, so no American cars please, unless they are RHD and readily avaliable in England. Thank-you for any help you give! And the best answer will recieve 10 points. Just thought to add - It will be my 2nd car, only been driving for 7 months, so not that experienced for anything too special as my first car was a 400 Renault R5! Thank-you (:""

How much does motorcycle insurance typically cost?

good credit, driving record, etc...""

HELP! I need an insurance company for my 50cc moped?!?

Hey Im 16 and have just bought an 07 Aprilia SR50 scooter, I need to get insurance but most places are quoting me around 500! Im not one of these chavs that races around don't worry! Does anyone here recommend any insurance companies or have a good deal on there insurance? Thanks in advance. =]""

""Can you fake proof of insurance in Seattle, WA?""

My friend and I are having an argument. He believes that you can keep a fake insurance card in your car that looks legitimate and the police will not be able to check the information with the insurance company to verify that you actually have insurance, if they pull you over. Also, if you do not have proof of insurance, and you get cited for a ticket, he believes that you could send in fake proof of insurance to the Seattle Municipal Court so they would dismiss the ticket, less a $25 admin fee, because they do not check insurance information/do not have access to insurance records. I want to believe that he's wrong, but I don't know, I am not educated on the subject. Does anyone know the answer?""

How much will the insurance company offer for my car?

a couple questions and description..... my car was involved in an accident and deemed a total loss. I was curious on how much the insurance company may offer? the accident was not my fault. i would like to buy it back though and fix it. how much do they usually offer a totaled car back for? its a 1994 honda accord lx with 128500 on her. shes in good condition with a small 1/4 size spot of rust on the left rear fender. everything else is in working condition. its a dark blue/green color. A/C, cruise, good tires, new cd player/ am/ fm, new speakers, new timing belt, distributor and ignition switch. it has a 2.2 4cylinder, automatic. any help is appreciated. interior is very clean, and paint was good condition. thank you!""

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katiabergbriefs · 7 years

Text

Homework 4: Market

1) This is my primary market

o Age: 22

o Gender: Female

o Geography: Urban area

o Education Level: some college; high school graduate

o Occupation: Student or student with a job

o Income Level: Minimum wage. perhaps more but nothing luxurious

o Other important elements: This person identifies as Latina because Hispanics, according to the National Library of Medicine, are more depressed than any other race. In fact, However, white folks are close but African Americans are on the lowest scale. This does not mean I am advertising to exclusively Latinos and whites--I am just pointing out the data (which can be skewed for a number of reasons. This person, ideally, has been raised with a religious background but finds herself not attending church anymore. She was told God was her purpose, but he cannot feel Him.

Psychographics:

o How big is this problem/issue in the customer’s day-to-day life? The problem is big in this customer’s day-to-day life because she faces anxiety everyday. She has a job, goes to school, and attempts to stay busy at all hours of the day to avoid being alone with her own thoughts. She doesn’t feel like she needs help, but deep down she knows she does.

o How does this problem stand out and in what context? This problem stands out because my customer finds that her anxiety is only growing the longer she does not address it. How long can she keep up the charade before she explodes?

o What solutions to this problem/issue already exist? Obviously therapy exists, as well as other apps where you can interact with other people or professionals. However, these things cost money. Antidepressants cost money, too, and there is no scientific evidence that they even help. A lack of serotonin and dopamine is merely a theory, and talk-therapy is more efficient in cases where people suffer anxiety and mild depression.

o In what types of environments are customers most likely to use your product? They are likely to use my product night, where anxiety and depression hit you the hardest. It is when they try to go to sleep, and have to deal with their own thoughts, that the demons will seep into their head and bad thoughts will rush like violent waves. My ideal customer uses my app when she needs immediate relief, which can be anytime of the day, but in my experience this happens at ungodly hours.

o What emotional values can you attach to your product? My whole product is emotional. My customer can interact with other people who feel just like her. Perhaps she can connect with someone who is neurotypical, and the ear they provide can be enough. If my customer likes my app, she will invest in the low-cost monthly free and have access to professionals and the monthly “happy box” that will surely brighten her day.

Secondary Research:

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC1199525/

http://www.anxietycentre.com/anxiety/chemical-imbalance.shtml

2) This is a secondary market.

o Age: 30-60

o Gender: Female or male. A customer prefers someone of their same gender, according to a study preformed my professionals

o Geography: irrelevant

o Education Level: Preferably a trained psychologist or therapist, so PHD or Masters

o Occupation: A (un)retired therapist/psychologist who has the drive to help

o Income Level: $50,00-$70,000

o Other important elements? This customer will be able to register on my app, provided they include credentials that can be verified. Their race, political views, and religion are irrelevant because an ideal therapist puts everything aside to be objective. They are open-minded and realize their clients will all be different.

Psychographics:

o How big is this problem/issue in the customer’s day-to-day life? A big problem because this person has/already works with mentally ill people on a weekly basis. However, this ideal customer does not feel satisfied with their work and feels as if people with lower-incomes (such as struggling college kids) deserve help, too.

o How does this problem stand out and in what context? This problems stands out because not everybody can afford therapy. If they CAN afford therapy, there is also a chance that a client will be too embarrassed. Having access to a professional via smartphone can help all parties. Not only can a lonesome client receive help, but a therapist can make a little cash on the side whilst helping people from the comfort of their own home.

o What solutions to this problem/issue already exist? There are sites that offer this service, but prices are outrageous. My app is catered to those who want to help, and ideally these therapists are already well-off and simply have the desire to provide comfort without feeling greedy.

o In what types of environments are customers most likely to use your product? This customer can use this product anytime they are home or have a break, or simply want a few bucks instantly in their pocket. (The monthly subscription will allow you 3 20 minute sessions with a professional).

o What emotional values can you attach to your product? This app is largely emotional and can help the therapist feel better about themselves. They are helping people who thought they could never receive help. What better feeling is there?

Secondary Research:

http://www.tandfonline.com/doi/abs/10.1300/J035v10n04_05?journalCode=wcsp20

http://work.chron.com/much-therapists-paid-year-6629.html

3) This is a primary source

o Age: 25

o Gender: female

o Geography: Urban area (a study links living in an urban area as a risk to your mental health)

o Education Level: High school educated (low education levels, according to my second source, are higher in less-educated people)

o Occupation: food service industry

o Income Level: $20,000-$30,000

o Other important elements? Like 1), this customer is most likely white or hispanic. She knows several people from her job, as well as her own friends, who suffer from depression/anxiety/drug addiction. She wants to help but feels embarrassed and does not want to shame anyone. She feels this way because in the past, she had confronted a friend about her “problem” and lost them as a friend as a result. My third source shows that people who do not want to confront their mental disorders (specifically addiction) are ashamed of the stigma and will run away from help (not all the time, but often).

Psychographics:

o How big is this problem/issue in the customer’s day-to-day life? This issue is prevalent in the customer’s daily life because this customer has friends who do not talk about their mental illnesses. This customer may face some anxiety about this, but she considers herself healthy. She just wants to help her friends but doesn’t know how.

o How does this problem stand out and in what context? The problem stand’s out in the context that my customer has so many people in her life that suffer from mental illness, specifically women.

o What solutions to this problem/issue already exist? As I listed previously, apps/forums exist where you can speak to others and help them. However, these forums are not very popular or well-known and are mostly used by those with mental illnesses as opposed to allies (neurotypicals).

o In what types of environments are customers most likely to use your product? Customers are most likely to use my product when they have free-time or are feeling extremely frustrated and unheard.

o What emotional values can you attach to your product? Now my customer can feel as if she is helping somebody. She can reach out to a stranger with depression and better understand how her own friends feel. Perhaps she will learn how to approach them, and even introduce them to the app!

Secondary Research:

http://www.allaboutdepression.com/dia_03.html - women are more depressed

https://www.scientificamerican.com/article/does-city-life-pose-a-risk-to-mental-health/ - city life correlates to mental health issues

http://www.health.com/health/gallery/0,,20428990,00.html - top careers that cause mental illness

http://www.njherald.com/20170525/confronting-the-stigma-of-addiction-mental-health - the stigma of addiction

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