I've had four or five. Lasted a week at most when they showed signs that they could say/do whatever they want because you "need" them. Fuck that! I don't need any man. I'll sleep in my car before I deal with that shit. And I have lol.
A man who shows up, is sweet and helpful, I have had two of those who showed up like angels. And they expected NOTHING IN RETURN If you two are reading this, thank you. And yes, TG, stuff comes up. I finally made the decision to figure out a damned budget and stick to it. Much less than what I make. Then the rest goes to savings. 50% is just a guesstimate. That was more when I was working through a booking service and listening to men who told me to get real expensive, high end hotels. I also consider a lot of my clothing as business expenses. I can't wear that shit in public lol. I was assuming retirement from this insinuated solely moving on to something else... Not moving to Mexico lol. I'm off track sorry lolI recently saw a former provider working at a check out counter of a grocery store. She went off the radar about 8 years ago. She'd over 50 now.
I thought she'd have saved up enough to retire without having to do a minimum wage job. May be she does have a retirement income and is just supplementing it with working
I thought she'd have saved up enough to retire without having to do a minimum wage job. May be she does have a retirement income and is just supplementing it with working.
You were "pinstriped" by a fat client and are pissed, but don't piss all over the place. Focus.
Oh good God. Listen, don't worry about what other people do with their lives. Worry about if you will be ok in retirement, not ex hookers. She has a situation that is her business and no one else's.
I've thought and asked the same thing.
At first, when I heard 'retire' here, I thought luxury life, all bills paid until SS kicks in.
Now I realize 'retire' means "I don't want to do this anymore. I want to do something else."
Walgreens has decent insurance, Starbuck's does too. I've seriously considered working at one of those places just for the insurance as I can't get insurance at all even if I paid out the ass.
Obama Care is killing me, that site is impossible.
So…. the answer… they may have enough money, but they may not have enough contact with people. I loved customer service jobs because I could talk to people all the time, (and make jokes about what they were buying, lol).
xoxo
And unfortunately most people simply don't save anything. Hence retiring is not an option.
As for insurance...go directly to BCBS, Humana and other insurers and buy direct. You don't need to fuck around with the ACA website. Blaming it's inefficiency as your reason(s) for being uninsured is simply laziness.
And if you are looking to work at a big box for the insurance...think full time sweetie.
If you or anyone else is hoping to retire with enough to live on...put away every day. At your age socking away a few thousand will lead to a secure retirement. And to receive any real SS benefits....I trust you're contributing to the system now? The max? I would guess not...so don't hold your breath on receiving any material amounts in 30 years either.
At first, when I heard 'retire' here, I thought luxury life, all bills paid until SS kicks in.
Now I realize 'retire' means "I don't want to do this anymore. I want to do something else."
Walgreens has decent insurance, Starbuck's does too. I've seriously considered working at one of those places just for the insurance as I can't get insurance at all even if I paid out the ass.
Obama Care is killing me, that site is impossible.
So…. the answer… they may have enough money, but they may not have enough contact with people. I loved customer service jobs because I could talk to people all the time, (and make jokes about what they were buying, lol).
xoxo
I have been rejected by every insurance company possible CPA. I've also been rejected by tons of hospitals because of the insurance thing. I have been working on the Obama Care thing since it's come out. Know your facts before you call me lazy.
I did send you a PM...and based on your posts I am quite aware of the facts.
YOU are not unfortunately. As are many others who prefer to let talking heads be their guides.
Feel free to go on the P & R board and do a search on this topic. It's been beaten to death over there.
ACA was implemented for people like you. Others hate the new laws...but you will reap the benefits.
I'm going by insurance agents and doctors saying Obama care is my only way...
Dear Courtney:
I am wondering what strong interest accruing instruments and accounts have you been looking at? Also with respect to the healthcare, could you create a group of people with the same common interest so that your premiums will be lower when you apply for health insurance? Just inquiring. Perhaps you should write in a periodical that is targeted for adult companionship providers on this topic and see if those who earn a certain amount monthly would participate. Also inquire if it is tax deductible since this is a job where your health is critical to participate in it as well. Eventually you will become an activist, who happens to be a ho in the know. Also as a pioneer, you probably will begin to develop a knack for identifying and attracting certain professionals that will help you develop your portfolio and other ventures that you could very well be interested in for your post adult companionship career options for when you are looking to exit the business. There is a very good fledgling website that would have a venue where you can discuss these relevant topics and perhaps begin to start a following. How to leave and earn the same amount of income that you did while you where a provider will be one of your next topics that you will have a forum on. Just a nugget of what your future will look like .
I can't remember the name of the term, but that would be considered a felony…
If you're going to get group insurance, you'll need to have a LOT of people applying. Great idea, but I don't want to mess with the felony part. Just read up on that stuff the other night.
I save.
But say I have 10-15 good years of *this* work in me. I'll retire at 35-40ish.
How many people can save enough in 10-15 years to retire at 40? And live another 80 years (like I'm gonna lolol 
)
Saving is easy...it's hard to know where to put the money, where it will actually benefit you. Stocks? Education? Invest in a business? All have risks. All can pan out beautifully...or they can put you in a hole.
It's easy to save, but it's hard to find a linear path that gets you from point A (here) to point B (there).
Work is harder outside this biz. Well...work is easy, but finding people to pay you (enough) is HARD. People say this biz teaches you about marketing and economics...not so, says I. This business has taught me the importance of people skills...and how to use the right fork and spoon. I have a devil of a time finding my 'audience' or whatever it is I'm supposed to be doing.
Anyway, I damn sure hope I figure it out before I'm 80, because I'm not cut out for a fucking annoying-ass sugar daddy.
However I didn't state that anyone would work for only 10-15 years and be in a position to retire. There are some who can accomplish that...but for most they will need to save for 25+ years. And typically saving enough that it compounds during those years.
You would be well served to sit down with a financial professional and discuss your short and long-term objectives. Most should be able to graphically demonstrate where you will be given your objectives.
Education is NOT savings. That is an expense (I trust you are suggesting that a degree will earn you more money later on....might want to re-think that if you'll be 40'ish and competing with the 22 y/o kids for that job). Investing in a business that YOU are not running is also fool hardy...outside of publicly traded stocks.
Work is hard no matter where you do it. But the harder one works the luckier one gets. Being a hooker does not train you for any other skills. If you believe otherwise....good for you.
Most people of all types of professions do NOT save...all you need look at is the number of seniors today that are working....and not because they are bored. That is the fate of all those who believe in "I'll always make money" and spend what they make. Hopefully you are one of those that really can sock away something and in 10-15 years you have enough "fuck you" money to be able to find something else that appeals to you. And pays enough to allow you to continue saving for another 10-15 years.
Do that and you'll be well on your way to enjoying your senior years. Spend all that you make now and you'll end up like so many seniors....all you need do is look at the 50+ women still here. Do you think they are loving sucking strange? And it won't be getting easier as they continue to age.
But say I have 10-15 good years of *this* work in me. I'll retire at 35-40ish.
How many people can save enough in 10-15 years to retire at 40? And live another 80 years (like I'm gonna lolol
) Saving is easy...it's hard to know where to put the money, where it will actually benefit you. Stocks? Education? Invest in a business? All have risks. All can pan out beautifully...or they can put you in a hole.
It's easy to save, but it's hard to find a linear path that gets you from point A (here) to point B (there).
Work is harder outside this biz. Well...work is easy, but finding people to pay you (enough) is HARD. People say this biz teaches you about marketing and economics...not so, says I. This business has taught me the importance of people skills...and how to use the right fork and spoon. I have a devil of a time finding my 'audience' or whatever it is I'm supposed to be doing.
Anyway, I damn sure hope I figure it out before I'm 80, because I'm not cut out for a fucking annoying-ass sugar daddy.
It's hard to figure out exactly what that 'thing' is...or, not so hard to figure that out, but hard to make that 'thing' pay 'enough'. That's what I mean when I said that work is easy, but making money is hard. Imagine if you paint beautiful paintings all day. You can put them on Amazon...but they'll go for $13 and the photos can't accurately showcase the quality. You can pay for a booth at some local show where people will buy your favorite for $200 and hang it above the La-Z-Boy. Maybe someone will mention it in an 'Arts' feature in the Smalltown Times, if you're really lucky. Maybe some local souvenir shop will pick a few up. Or the local library will have a 'local artists' exhibition. Or...what the fuck else? LOL. Hooking is supposed to teach us so much about marketing...but there is NO fucking eros or p411...or even TER...for most businesses, especially online ones.
Most ho's (successful ones, anyway) are entrepreneurial, so it's natural for us to try to extend that to another enterprise. Many girls want to invest in a business they will someday own and operate...
It's so easy to work at anything, if you have energy, talent, and determination. But work doesn't always translate to $$. And while advertising $$ here almost always pays off...Eros is super expensive but the cost is more than covered by just one appt...it is SOOOO easy to throw money away on advertising in the name of 'getting the word out' and experimentation.
So 'investment' can be kind of a problematic term.
Do that and you'll be well on your way to enjoying your senior years. Spend all that you make now and you'll end up like so many seniors....all you need do is look at the 50+ women still here. Do you think they are loving sucking strange? And it won't be getting easier as they continue to age.
Some marketing, yes… but you've got to have a good product in high demand to make quick, easy money.
Pussy is in high demand lol. It's not too hard to market, especially if you look amazing like a lot of ladies here.
I thought I was learning marketing, and I have learned a lot of things about branding, etc. but it's all 101 thus far.
Quite honestly, having a lower paying job, say, $55k/year is much less stressful in the budgeting area. You know that's all you have, so you have to use it wisely.
What goes through my mind sometimes is, "eh, I'll buy a new instrument… I can make rent in one appointment…"
lol. Can't do that if you have to wait two weeks for the same paycheck every time, lol.
I've had four or five. Lasted a week at most when they showed signs that they could say/do whatever they want because you "need" them. Fuck that! I don't need any man. I'll sleep in my car before I deal with that shit. And I have lol.
A man who shows up, is sweet and helpful, I have had two of those who showed up like angels. And they expected NOTHING IN RETURN
If you two are reading this, thank you.
And yes, TG, stuff comes up. I finally made the decision to figure out a damned budget and stick to it. Much less than what I make. Then the rest goes to savings.
50% is just a guesstimate. That was more when I was working through a booking service and listening to men who told me to get real expensive, high end hotels. I also consider a lot of my clothing as business expenses. I can't wear that shit in public lol.
I was assuming retirement from this insinuated solely moving on to something else... Not moving to Mexico lol.
I'm off track sorry lol
Save? Oh please! I grew up when Carter was president and CDs were pulling in, tops !8% and usually, for me, 10% and 11%, savings accounts were a few interest percentages less. Now saving is absolutely ridiculous. The key is to have a diversified portfolio. Index mutual funds. Spread the risk. Having a certified financial planner helps but is not essential. Have you not heard of the three-legged stool? Whoever reads this message, its in your interest to learn up. Right now, having cash on hand helps tide over the uncertainty. He's a CPA, not a certified financial planner. Not the same thing at all....
I'm one of the poor fuckers who had their insurance plans cancelled.
Well sorry, I should not have said that. Apparently I'm so much better off because I now have dental, prescription coverage, and whatever the fuck else I'm not EVER going to use because I'm like, twelve, and only use the emergency room when I step on a nail or get into a car accident.
I better have PERFECT fucking teeth now, lol.
Even tho dental was pretty cheap to begin with...I was thinking of getting it anyway for much less than my amazing new health plan is gonna cost me.
To make my own personal statement...I should raise rates, to compensate for my new expenses. Grrrr.
Idk I went to school when I was providing ... You know trying to plan for the future .. Then I got out of the buss. and got a job in the field I went to school for. I do miss meeting new people and the money lol .. So this weekend I decided to put a add back up lol after 2.5 years of being out of the hobby lol..
Some save, some don't. There are plenty of people who work high paying jobs all of their lives and manage to blow all of it before retiring into social security and menial jobs.
One group spends their entire lives avoiding pussy and the other chases it constantly. I once had a priest offer to kneel with me and recite some prayers. I passed because I thought somehow while I went to kneel he would shove his cock in my mouth just as I recited the Hail Mary. And the result of that Hail Mary would not led to a rousing victory like the quarterback for Boston College back in the 80s. Back in the 80s I once had anal sex with a female athelete in 1988 it was the first time for me but not the first time for her. As I slipped my dicked in the brown hole it was swallowed up like a refugee kid in a third world country eating a rib-eye steak. Apparently eating too much red meat can cause a lack of erection or a too much of an erection. Not sure there is such a thing as too much of an erection. Because when I was in 7th grade I had to go to summer school for math. And every day during class I would get an involuntary erection for no reason. I mean the guy who taught the class was an old white guy with a beard. And I wasn't interested in him or the subject material. So not sure what caused the erection. It could have been the math because later I went into finance which is math based. So apparently Providers don't know math because if they did they would know that no guy wants to fuck a 60 year old hooker so they should invest like people in Old School Chicago voted (early and often).
RT Out
My dream job is to now the rough on a golf course. I'm too wound up, like an 8 day clock, to sit around and financially I'll have no problems so a low paying job is fine. Perhaps she is doing just fine financially and needs something to do. Perhaps she got used to the glamorous life and spent all her money. Either way, as it's been posted already, it's none of your business.
How does a provider retire? Just like anyone else I presume. Why are providers thought of any differently than anyone else in any other profession? How does a Scientist retire? How does a Lawyer retire?
If she worked for big retail store, like the Wegmans and Giant in DC area....
They provide health benefits..
I've a friend who has a family business. They own two motels and a Subway, but until very recently his mother used to work a min wage job. She is not very educated. This was not because they were poor by any means, but that's the only way they could get insured...
Sometimes its not what it seems, and almost always, the devil is in the detail....
-- Modified on 11/16/2013 12:31:24 PM
Those who come here looking to live the easy life, blowing thousands on bs and never saving to buy things like Real Estate, those who don't bother getting an education, etc. end up in a place I would never want to be. It seems pretty stupid to do what we do with the risks involved for years on end, NOT to get anywhere, but I've seen it play out hundreds of times. News Flash...some people are just dumb.
So although I can't show off my new pair of Loubis every other month, thousand dollar photo shoots, and stamps on my passport, I certainly CAN have a house to show that's being paid off by someone else while I live on the beach at this point, a degree that will one day turn into a prosperous career if someone will just give me a chance, and a daughter that will not be affected by this, because I had the common sense to keep her away from it. The latter means so much more to me than the former.
-- Modified on 11/16/2013 12:46:37 PM
So although I can't show off my new pair of Loubis every other month, thousand dollar photo shoots, and stamps on my passport, I certainly CAN have a house to show that's being paid off by someone else while I live on the beach at this point, a degree that will one day turn into a prosperous career if someone will just give me a chance, and a daughter that will not be affected by this, because I had the common sense to keep her away from it. The latter means so much more to me than the former.
-- Modified on 11/16/2013 12:46:37 PM
So true…it's all about getting your ducks in a row. What is your degree in? I'm sure you have the perseverance to find someone to give you a chance. You have the right attitude which in itself can work miracles.
Everyone on another board knew my exact graduating school, year and month, so putting my exact degree out there, would not be too smart. Let's just say I have a Master's in a "health related" field, and a Bachelor's of Science. I learned to shut up after being outed.
Sadly, the field I have chosen is not one where people are exactly leaving their jobs in droves, so it is very hard to even enter it, but I am starting at the bottom, and have no problem doing so. I can't just expect to have what others worked the last 15 years for on the job, because I got the degree. Gotta pay my dues.
Dear Ms. Rayne:
Although you have the skills,education and background to matriculate and compete in America, you also have an equal concomitant of urban hustler with you. Not that you want to at this stage in your life, but if worst came to worst,you certainly can get yourself paid in more ways than one. Although some of them aren't legal , I would say being a woman and a companionship professional, that you are more resourceful than most and that will serve you well until you find a satisfactory mainstream position to where you can concentrate on other facets that you would like to concentrate on.
That is why Ms. Rayne you are held in high esteem by your fellow colleagues. You understood that this was an ephemeral existence and was just merely a means to an end. Thus you used this in this manner to obtain what you needed and are now enthusiastically looking forward to the next chapter of your life. Godspeed London as we all wish you well.
Perhaps retire is not the right word. I am closing this chapter of my life and starting a new one back in India. This business has been very good to me, and with some careful planning, is now allowing me to pursue other passions in life as a newly minted lawyer.
As they say – a goal is dream with a strategy
Hence when there's negative perceptions about the intelligence of women who do this, it still boggles my mind.
So the firms here in the States don't pay enough? LOL
Seriously...I will miss your posts. Unless you plan on staying here to tantalize?
Good news too....Udo doesn't go to India!
As they say – a goal is dream with a strategy.
What I find most amusing is the fact that a simple normal life is something I once despised. A rejection of convention is what drove me to this business. How ironic that a craving for normalcy would motivate me to leave. Who says God doesn’t have a sense of humor
Hopefully spending some time in a firm doing the shit that many of my legal beagle pals do....
You'll start something of your own. Toiling for others rarely makes one wealthy.
And, one who will not have to come crawling back after the humiliating "I am retiring" thread lol. Your field and intelligence continue to blow me away, and I know it's not just smoke and mirrors. If some providers spent half the time doing what their marketing claims they are doing, they would not be stuck at 40 still begging guys to pay them, without a damn thing to show for their lives. It's sad.
I see more and more well known providers going UTR, semi retired and fully retired lately.
I have no doubts that some do...but I haven't seen anything out of the usual here in ChiTown.
Maybe time to throw that out on the Regional boards?
Is Russia claiming to extradite Serafima?
After all expenses and time spent screening, advertising etc its used to be about 100/h
Once it got down to less than that it was time to say sayonara
My calculations are quite a bit different than yours apparently.
Or perhaps its just an NYC deal LOL
Can't think of too many folks who are toiling away for a paltry $ 100/hr who aren't thrilled to be in that range. Heck...most folks are toiling away for $ 30/hr in reality.
And they aren't leaving this gig anytime soon.
Once it got down to less than that it was time to say sayonara
1h app't = 4 hours
1h spent on pre app't crap
1h to get to my app't
1h in app't
1h to get home
Like Tucky said, hos donno math
I tend to see it on an annualized basis (assuming she's in this gig full time with no other sources of income).
Hence if she's making $ 60,000 annually and using a 2,000 hour year...$ 30/hr.
If we wanted to get really fancy and figure expenses and such...that number goes down.
Alternatively we can figure the lost income as many gals work only when they need to cover the rents and such.
It's all so terribly confusing LOL
1h spent on pre app't crap
1h to get to my app't
1h in app't
1h to get home
Like Tucky said, hos donno math
Advertising,
hotels and tips to those serving you, (I tip well)
Travel/flights
Food
Clothing/shoes/nice underwear/lingerie
Beauty upkeep, such as waxing, mani's pedi's, facials, good make up so you don't break out, tanning, hair...
Taxes, (I know that's not an expense)
Fees for screeners,
Memberships and ads on screening sites
Only seeing 1/day, usually adding up to 3/week (Must be 90 mins +)
time off due to illness, which wastes advertising as ads expire, (NYC Eros is 200, isn't it?)
Regular STD Testing and physicals
Condoms/lube/toys/cleaners/wipes/food and drinks for appt.'s
Cancellations and NCNS's after you've booked the room and rejected other appointment requests (this is expensive)
Emergencies
Dry Cleaning
Tailoring
Lots of money to spend if you don't see 3-4/day.
And yes, while we may have a very ludicrous salary, we have to "invest" in the future, have a 401K account, savings in the bank, property, education, a business etc... Providers retire when they have met most or all of the above. Others retire when they have another business venture that may produce them the equivalent or more money of what they are currently making. Or perhaps they get married and their husband takes care of them. But everyone retires for different reasons. I think that you can't be a provider for the rest of your life, specially when beauty and youth are the determining factors in this biz....In the case of the provider you mentioned, I really wouldn't be able to address her case, perhaps she is trying to collect the necessary quarters for her Social Security working at the grocery store?, perhaps she needs the benefits? each case is different...
I've seen a couple or three "retire", and within six months to a year, they're back in business. Whatever new interests they want to pursue don't work out quite as planned, some sort of unpredictable adverse circumstance occurs, and suddenly they need the bucks again, and relatively quickly.
Many providers "go dark" at a certain point--they might let their TER and other profiles lapse, take down their websites, and whatnot--yet they continue to see their established clients.
It concerns me a bit when I see a mature provider (or one who is "becoming mature") and I start to get the feeling that they're doing this out of a certain amount of duress or desperation--no savings, bankruptcies in their past, etc. I thought the dream was supposed to be to do this for some sort of set amount of time, and eventually build a nest egg and be able to leave the biz, being relatively "set" for life.
For those old enough: Remember the movie "Night Shift"? Henry Winkler and Michael Keaton are a couple of schlubs working in the city Morgue who end up becoming "managers" of a bunch of women who have lost their previous manager. The Winkler character is a real nerd, but also a financial whiz. His pitch to get the ladies to work with them is to help manage their money along with managing their business. He sets them up with medical and dental plans, retirement plans, and invests their money wisely.
When I see women who've been doing this for awhile who have nothing to show for it, there's some small part of me that wants to try to do the same thing. Any provider I see regularly becomes a friend (of sorts)--I hate to think of them having to take crappy jobs after all those years of providing.
Then the reality check hits me, and I realize that as much as I'd like to help them, A) some of them just don't want to be "helped" even if my intentions are as pure as the driven snow, and B) I don't want to place myself in the jackpot of being accused of being a "pimp".
It's too bad, really. Oh well..
Is to pick an occupation that will keep you so stinking' busy that you don't have time to spend any money.
I thought she'd have saved up enough to retire without having to do a minimum wage job. May be she does have a retirement income and is just supplementing it with working.
by putting their head on a pillow and closing their eyes. 
All it takes is one hospital bill and yer in the poor house, way over your head with no hope of ever paying it off. Need medication to stay alive and you are working poor? Only way to get needed medication is to make your income drop to poverty level so that you qualify for state/fed medical. Even then, it might not be what you need but rather something cheaper that is "close enough" for the poor.
Deprived