"Your major error is in underestimating the extra time involved and expenses incurred by the independent"
And, IMO, your major error is overestimating those expenses while underestimating the agency's costs. In my experience, agencies have also provided far less service than you give them credit for.
The agency's incall location(s) still have to be paid for. They can't be shared all that well among ladies doing 10 sessions a week, when you figure each lady would have to have the room to herself for some time before and after each appointment to set up and clean up (unless the ladies are good at rushing then acting not-rushed). Sharing a single incall is also complicated by there being popular times of day to see a provider. The agency would have to turn these customers away, or have multiple incalls.
And I've never heard of an agency providing maid service at their incalls. Granted, it could be I've just never heard of it, but the cleaning, laundry, candles, supplies, etc were supplied by the provider, not the agencies (in my limited agency experience). Unless, of course, the incall was a hotel in which case the indie can go to a hotel just as easily as an agency girl. Presumably the agency would want some profit on the hotel room charge, which an indie wouldn't have to pay.
Advertising: The agency is not going to get all that much of a break on advertising, unless they cram all their ladies into a single Eros ad (for example), which is far less effective than individual ads for each lady. Eros might give them a bulk discount for lots of ads, but I would be suprised if it is very large. The agency also has to pay someone to maintain those ads, which an indie does not. In my experience, the maintenance is going to be a far larger problem for an agency, because their girls seem to flit in and out of the business quite often.
Most of your 'miscellaneous expenses' would be incurred by both an agency girl and an indie.
As for telephone/screening time, she either pays for it with her time (indie), or she pays someone to do it (agency). The cost, in economic terms, is the same unless you can find some "economics of scale" argument for the agency. Since both ladies are seeing the same number of clients, there's no opportunity cost to the indie. And the agency will demand a profit on top of the wage they pay the screener, making agency screening more expensive than the 'average wage' for a screener. We can presume that the indie is charging herself the 'average wage' for a screener.
Obviously, anyone is welcome to tip any way they feel like, if at all.
When I have seen agency providers, I preferred to tip them more because I felt most of them were getting ripped off by the agency's fees, compared to the service the agency provided. So her employment situation was a factor in how I decided to tip. Up until I decided to stop being a white knight in that way, and just see indies.
You are welcome to use any factors you feel are important while tipping. I'll use the ones I think are important.
-- Modified on 5/12/2006 10:20:20 PM