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Joined 3 years ago
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Cake day: July 8th, 2023

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  • I haven’t heard of this. What’s this benefit called?

    Edit: I should take one minute before asking questions.

    Member-Owned Structure: Unlike a publicly traded company that pays dividends to stockholders, USAA is a reciprocal interinsurance exchange, meaning its members are also its owners. Profits, after expenses and reserve requirements are met, are returned to members.

    Subscriber Savings Account (SSA): A small percentage of the property and casualty insurance premiums paid by an eligible member is retained by USAA and allocated to an SSA in their name.

    Annual Distributions: The USAA Board of Directors decides each year how much capital is needed for reserves. Any excess is distributed back to members from their SSA. This distribution amount can vary annually based on factors like the company’s financial performance and the member’s longevity and account balance.

    Payout Options: Members typically have the option to: Apply the distribution to their insurance premiums. Receive the funds via direct deposit or check




  • Ok but keep in mind I’m speaking to the televised order of release.

    Firefly.

    They released the series out of order so the very first episode already had you deep into the story without establishing anything or anyone. Once you streamed it or watched it on dvd it made more sense. Plus the choose not to air some episodes at all which also introduced plot points and by not airing those you ruin consistency.

    And I’ll add, the series is fantastic and serenity was a very nice bow to the short lived series. Highly recommend if you haven’t seen it.








  • Hmm partially. Thanks for the clarification tho. I do agree there are conveniences that are rentals . I think home ownership is a totally different conversation however so I’ll leave that one alone.

    Your statement that companies move towards this garbage subscription model is 100% accurate tho. Couple that with enshitification and you’re at the whims of stakeholder value and CEO bonuses. iTunes can remove and add songs to your library whenever, games can be bought then supporting servers decommissioned, hardware you’ve bought is intentionally hobbled because it’s behind some other subscription, and like you said it’s only getting worse. And every one of these collect and sell your data. So not only are you buying a service but you’re also a product bought and sold. That being said, rental conveniences are different than the subscription model. I don’t think ownership levels are different between urban or city.

    I’m also jealous of your outright home ownership lol. I’m working on my mortgage and with the locked in <3% apr I’m not going anywhere. But damn I’d love me 5 acres with a dry lot, access, and utilities already placed.