Rebelle bagel providence4/18/2023 We love that! I am grateful every day that you vote “yes” with your dollar and support what we do. Ultimately, you as consumers have the final say on our prices when you choose to visit us. I shudder at the thought of paying minimum wage and buying cheap cream cheese full of stabilizers. Even if we reduced our food costs by 10% and also reduced our labor costs by 10% we’d still need a 20% volume increase to sustain a 10% price cut (gray line in graph). Some businesses deal with this pressure to lower prices by cutting food costs (lower quality or eliminate waste) or labor (reduce wages or work with a smaller team). A price drop would effectively lose us money. We have a limited production capacity and on weekends we move through customers as quickly as we humanly can. Thinking beyond the financials, operationally we can’t handle much more volume than we do today. You can’t volume your way out of zero margin. The gap gets more extreme as the price cut increases to 20%, and if we lowered prices by 30%, our business would be completely unprofitable no matter how many bagels we sell. That means we have to make and sell 50% more bagels to end up right where we are today. To reduce prices by 10%, we’d need to increase our total revenue by 50% JUST to match our current profits. The orange line is representative of our current labor & food costs, and you can see by the way it curves upward that the greater the price cut we want to implement, the greater the volume we have to sell to offset that. I’m an Excel freak, so of course I built a model to illustrate the impact of lowering prices (see graph). (I am also going to be candid and say the people who expect us to lower our prices so they can afford the DAILY luxury of having other people make their food are wildly out of touch with reality. I have decided we have to be OK with hearing this feedback and not really having a satisfying response for our customers, because our business can’t sustain lower prices and exist in its current form. I’d be lying if I said I have a great response for this kind of feedback. Others tell us we’re “outrageously expensive”, “ridiculous”, a “bagel monopoly” (that one is my favorite and I’m taking it as a compliment!) and that it’s unfair they can’t afford to come here every day. Some people politely tell us they’d come in more often if prices were lower. (Our lox sandwich is the BEST deal on our menu, dollar for dollar, when you factor in all the labor and expensive ingredients.)īy far, the most challenging customer feedback is on price. We also studied prices at other businesses, analyzed our operations to figure out where economies of scale start and end with respect to labor, and decided to take lower margins on some items and make it up in other items. So how did we land on our prices? We figured out our ingredient costs, factored in labor, and built a healthy cushion for overhead, profit, and the occasional slow day (we have those). My guess is something or someone suffers in the process. For now, I remain confused as to how other businesses make those low prices work. Knowing what I know about making and selling bagels, I’d guess that a $2.50 bagel with cream cheese involves some combination of minimum wage/free labor, machines instead of hands, cheap bleached flour, and cream cheese with more stabilizers and emulsifiers than natural dairy fat. I think whoever does will be a very, very wealthy person creating a lot of value for our society. As far as I know, nobody has cracked the nut on how to do high quality/low price/killer profits/everyone is happy. (Come on guys, we all know why we’re here.) If people are only willing to pay $2.50 for a bagel with cream cheese, the product is designed with that constraint in mind. Quality is the product of a trade-off between what people are willing to pay for a product/experience, the cost of producing it, and the business imperative to turn a profit. I knew we could give you a better quality experience. The flavors in the cream cheese were barely there and the bagels themselves tasted bland and mass-produced. A bagel with cream cheese was about $2.50-3 but, in all honesty, that didn’t buy us a bagel we took pleasure in eating. When I first dreamed up the idea for Rebelle, my husband Darcy and I visited many bagel shops in PVD and beyond to understand the bagel market. But that’s a conversation for another day.) I’m here today to make a case for our prices. (I hesitate to say “competition” – our comparison set doesn’t actually include any bagel shops. One of the first comments we heard when we opened was, “$4 for a bagel with cream cheese?!” Yes, we are aware that our prices are higher than other bagel shops.
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For starters, you could only file divorce papers if your partner had committed a crime, such as adultery. History of Divorce Papersĭivorces were very rare before the 1970s, mostly because ending a marriage involved jumping through countless hoops. To be on the safe side, you should only obtain papers from official state sites. The latter option is free but requires that you confirm the authenticity of the documents as many fake papers exist online. Usually, you can obtain divorce papers from the local court offices or download them online. Divorce papers are issued when the court is satisfied with the settlement. Once the court reviews the papers, the couple must reach a divorce settlement that covers issues like spousal support and child custody. They are usually approved by a court after one or both spouses express intent to end the marriage and file the necessary documents. 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The Deposit Insurance Fund is funded two ways: through premiums charged to the insured banks, and through interest earned on funds invested in US government securities." As of the end of 2022, the FDIC had just over $128 billion in its Deposit Insurance Fund, backing more than $10 trillion in insured deposits. Sometimes the assets don't generate enough cash in a quick sale, leaving a shortfall, which is where the FDIC's insurance comes in. Banks typically have far more assets than deposits if an institution fails, the assets are sold off to cover payouts to depositors. It doesn't take $18 trillion to insure $18 trillion in deposits. "How much insurance would be needed to guarantee all US deposits? The cap on insured deposits has been raised seven times, most recently in 2008 to its current $250,000." It was "an immediate success in restoring public confidence and stability to the banking system," according to the FDIC. First implemented in 1934 in response to a bank panic the year prior, federal deposit insurance began with a cap of $2,500, equivalent to about $56,00O today. The goal of federal insurance is to boost confidence in the US banking system without guaranteeing every penny deposited in banks - almost $18 trillion currently. "Why is there a limit on insured deposits? What would it cost to insure all deposits? Who pays that? From Bloomberg. That would fit into the "time deposit" category, though brokered CDs are seen as slightly less stable, because there is no direct relationship between the bank and the depositor, to the extent that such a relationship even helps." They are rather more prone to runs, but regulators say their heat depends on whether the cash is going to be used for"ģ) "Time deposits: This is a category that includes things like CDs, where depositors agree to tie up their money for a short period of time in exchange for a higher interest rate."Ĥ) "Brokered deposits: A "brokered deposit" often calls to mind a CD from a treasury-management firm like IntraFi. Retail deposits generally aren't especially run-prone, as most fall below the $250k FDIC insurance limit"Ģ) "Wholesale deposits: These are deposits from companies, money managers and other institutions. "In the wake of the GFC, global banking regulators took the potential flightiness/risk of deposits into account in banks' Liquidity Coverage Ratio or LCR requirements"ġ) "Retail deposits: This is money that a normal person would put in the bank. This isn't really credit-risk forbearance, but it does provide significant relief from the double-digit losses those portfolios would have otherwise suffered because of the Fed's recent rate hikes" "this time around, US regulators are addressing the central issue of bond losses, and simply letting banks of all sizes temporarily liquefy their safe-bond portfolios at par value. "the S&L crisis wasn't resolved until years after regulators first noticed the problems with mismatched assets and liabilities" Roughly one-third of S&Ls failed or merged between 19, in a slow-moving crisis" After the Fed raised rates aggressively to fight inflation in the 1970s, the S&Ls' fixed-rate mortgages experienced mark-to-market losses. "It's no surprise that the last comparable run on US banks was during the 1980s savings and loan crisis. 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