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New Fame, Age-Old Exploitation

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New Fame, Age-Old Exploitation

When Celeste Polanco amassed 100,000 followers on TikTok, she began fascinated about cash.

“I knew I used to be within the place to get model offers,” mentioned Ms. Polanco, a life-style content material creator in Brooklyn. “I simply didn’t know something in regards to the enterprise facet of issues.”

So Ms. Polanco, 30, was intrigued when a consultant of the Carter Company, a expertise company for TikTok creators, contacted her in 2021. She favored the vitality she acquired from Ben Popkin, an company consultant, throughout their first assembly, which was by way of video. “I advised him my boundaries and the way a lot I feel I’m of worth as an influencer new within the area,” Ms. Polanco mentioned, including that Mr. Popkin indicated her worth was greater than what she thought.

She signed a contract.

Ms. Polanco’s story isn’t unusual for many individuals who’ve embraced TikTok in the previous couple of years and located themselves blessed by the mysterious algorithm that serves up their movies to huge numbers of customers. The trail from fame to fortune on the platform is being charted in actual time, typically on TikTok itself. Most customers make no cash; those who do usually earn it by selling manufacturers and merchandise. Expertise businesses may help negotiate these offers.

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Now, greater than a yr after signing with the Carter Company, Ms. Polanco says it by no means paid her for a number of offers she accomplished whereas working with the company. In response to paperwork offered to The New York Instances, the Carter Company negotiated offers on her behalf for at the least $10,000, none of which, Ms. Polanco mentioned, she has obtained. Ms. Polanco is one in all two dozen creators who recounted comparable allegations in opposition to the company to The Instances, together with withholding cash and concealing the charges of name offers.

The Instances tried to contact the Carter Company via emails, texts and telephone requires a response to those accusations, however the company didn’t reply.

Niké Ojekunle was among the many first creators to talk out in regards to the company, on TikTok and on the podcast “Ladies in Influencer Advertising and marketing” in November.

On TikTok, Ms. Ojekunle accused the company of claiming to characterize her in an try to signal one other creator. She mentioned she has by no means signed with any supervisor in her decade within the influencer enterprise.

The Carter Company was based by Josh Popkin, who labored with Ben Popkin, his brother, and a handful of different managers. They represented dozens of TikTokers, and an archived model of the company’s since deleted web site lists “strategic companions” together with Netflix, Amazon, McDonald’s and the N.F.L. (A consultant for Amazon denied that it was ever a “strategic accomplice” of the company. The opposite firms didn’t reply to requests for remark.)

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Earlier than beginning the company, Josh Popkin was a TikTok creator. His account, which had greater than three million followers, made headlines within the spring of 2020 for a video by which he dumped a bathtub of cereal and milk on the ground of a New York Metropolis subway automobile.

The Metropolitan Transportation Authority referred to as the stunt “despicable,” citing its influence on important employees retaining the subways working because the pandemic raged. Mr. Popkin apologized in a now personal video on his YouTube channel; he additionally deleted the TikTok account the place the video initially appeared.

Managers with the company would regularly ship their shoppers an announcement of labor after securing a model deal. These paperwork, frequent within the trade, detailed mission deadlines, pay charges and the kind of movies the creators have been required to make.

Companies, just like the Carter Company, earn money by taking a share of creators’ earnings. Paperwork reviewed by The Instances indicated that creators usually agreed to the company taking 20 p.c to 30 p.c, with the remaining going to the creator. However many mentioned they obtained far much less, or weren’t paid in any respect.

Timisola Ogunleye, a 27-year-old creator who signed with the company in 2021, mentioned it introduced her offers with Clear & Clear and Neutrogena, amongst different manufacturers. She accepted the company’s 30 p.c price, however the price felt excessive to Ms. Ogunleye, who additionally works in casting and manufacturing. “I nonetheless have a profession that I’m specializing in,” she mentioned. “So it was both they take 30 p.c or I get nothing in any respect.”

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Riri Bichri, a creator greatest identified for her 2000s nostalgia parody movies, joined the company in 2022. She mentioned that she hoped she “signed an honest contract, which I didn’t, and I hoped that I used to be working with usually trustworthy folks, which I wasn’t.” The expertise, she mentioned, “made me understand that it was very straightforward to take action as a result of it’s so new, it’s so unregulated.”

Arielle Fodor, 30, a kindergarten trainer turned TikTok star higher often called Mrs. Frazzled, has been utilizing a spreadsheet to trace the cash she mentioned she is owed by the company. In response to emails offered to The Instances, one model advised Ms. Fodor it had already paid the Carter Company, six months earlier, for her work. Ms. Fodor confirmed The Instances contracts that said she was to be paid $28,000 for that deal. She mentioned she had not seen a dime.

Different creators interviewed for this text, together with Ms. Bichri, offered documentation displaying the company had negotiated offers on their behalf, for which they mentioned they have been by no means paid.

Ms. Fodor mentioned the company first contacted her in October 2021. The reduction of getting somebody navigate the offers — she was in her first trimester of being pregnant — was definitely worth the 30 p.c fee, she mentioned: “It’s overwhelming, you recognize, whenever you’re getting influencer offers for the primary time.”

A number of creators have additionally accused the Carter Company of preying on creators of shade.

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Domenica Comai, a creator in Los Angeles who labored with the company for greater than a yr starting in 2021, mentioned she thought Josh Popkin “was primarily concentrating on Black folks, folks of shade, and I feel, basically, perhaps additionally those who have been extra weak.”

Ms. Comai began a gaggle chat in November 2022 with a couple of dozen creators who say they have been additionally exploited by the Carter Company. All of the chat members are ladies, together with Ms. Ogunleye, Ms. Bichri and Ms. Fodor. A majority of the group members are ladies of shade. (A majority of the individuals who spoke with The Instances for this text are additionally creators of shade.)

Crystal Scruggs, a creator in Houston, mentioned Ben Popkin had cited the struggles of Black creators whereas making an attempt to promote her on becoming a member of the company when he referred to as her in August 2022. “After we talked that day on the telephone, he was simply saying, you recognize, like, ‘Being a Black creator, you all deserve this,’ and, like, ‘I need to guarantee that individuals are equally being compensated accurately within the influencer world.’”

Ms. Scruggs, together with Ms. Ojekunle, beforehand spoke with Quick Firm about her expertise. She mentioned she accomplished just one deal whereas working with the company.

Peter Rodriguez, a 27-year-old creator in Tampa, Fla., makes TikToks together with his twin brother, additionally named Peter Rodriguez. (Their father and a 3rd brother additionally share the identical identify.)

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The Rodriguez brothers started working with the Carter Company initially of 2022. Mr. Rodriguez mentioned the pay they obtained was removed from the $18,000 to $25,000 for a single TikTok put up that Ben Popkin described in one in all his preliminary emails. (The e-mail was reviewed by The Instances.)

Regardless of this, Mr. Rodriguez was excited to be getting paid something, he mentioned, as a result of he often did movies at no cost. He mentioned he dreamed of incomes sufficient to stop his day job and concentrate on TikTok.

In September 2022, the brothers obtained an announcement of labor from the company for a take care of a deodorant model. The speed, in accordance with a doc offered to The Instances, was $350 for 3 TikTok movies.

The brothers later signed a brand new contract instantly with the model: $16,000 for 2 movies, in accordance with a contract reviewed by The Instances.

And whereas tales of businesses swooping in to signal younger, typically inexperienced skills are acquainted — the music trade, for one, is affected by contract-related lawsuits — the novelty of TikTok and the opacity of the influencer economic system make folks like Mr. Rodriguez notably vulnerable.

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Alexis Farkas, 28, mentioned she labored for the company for 2 months in 2022 doing influencer scouting. Josh Popkin emphasised discovering creators with out managers, mentioned Ms. Farkas, who lives in Newtown, Pa.

Final November, Ms. Ojekunle, a well-liked creator identified on-line as Specs & Blazers, posted a video by which she accused the Carter Company of quite a few wrongdoings.

She was not the primary. In January 2021, Stephen Odea, identified on-line as Stephen Alexander, created a TikTok account referred to as @TheCarterAgency and posted two movies; in one in all them he wrote that the company took benefit of shoppers.

Ms. Ojekunle’s video, and her subsequent movies, have been seen a whole bunch of hundreds of occasions. In a single, she described her shock when a creator contacted her within the fall of 2021 asking if she favored being represented by the Carter Company. Ms. Ojekunle had labored with the company on particular person offers however mentioned she had by no means signed a contract for the company to handle her. She believes the company was utilizing her identify to recruit others.

Within the fall of 2022, Ms. Ojekunle obtained an e-mail from Jesse Greenspun at Malibu Advertising and marketing Group, one other enterprise began by Josh Popkin. Within the e-mail, which was reviewed by The Instances, Mr. Greenspun mentioned he was working with the skincare model Naturium and had a possible enterprise alternative for her.

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Ms. Ojekunle mentioned she later spoke with Susan Yara, the founding father of Naturium. Ms. Yara mentioned Mr. Greenspun had recognized himself to Naturium as Ms. Ojekunle’s supervisor.

“I labored for the Carter Company and Malibu Advertising and marketing Group as an hourly contractor however left in November,” Mr. Greenspun wrote in an e-mail to The Instances. He denied representing himself as Ms. Ojekunle’s supervisor.

After Ms. Ojekunle’s video gained traction, Ben Popkin despatched an e-mail to Carter Company shoppers. In it, he referred to as her statements “inaccurate” and wrote that Ms. Ojekunle had been signed by the company however was dropped for being “unprofessional” and failing to ship supplies. Ms. Ojekunle denied these claims.

The e-mail spurred some creators who had labored with the company to pore over their very own contracts. Many creators contacted manufacturers to be taught if that they had been paid accurately for his or her work. Eric Fishbin, Ms. Scruggs’s former supervisor, stop after seeing the video, in accordance with an e-mail offered to The Instances. “I by no means knowingly offered inaccurate info to a consumer,” he wrote in an e-mail.

Some manufacturers received’t focus on deal phrases with the creators, and others, whereas sympathetic, say they’ve already paid the company and might’t compel it to pay their shoppers.

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“It’s good to simply have a gaggle that totally understands what’s happening,” Yasmine Sahid, a 26-year-old creator in Los Angeles, mentioned of Ms. Comai’s group chat. She had a lawyer ship a letter to the company in January demanding virtually $50,000 in excellent funds and asking for proof of a expertise company license.

The company has not responded.

Deciding what to do subsequent is difficult. Ms. Fodor contacted the Federal Commerce Fee and mentioned the person who answered the telephone acknowledged her voice from social media and talked along with her about his spouse, who additionally labored in training. “After which he was like, ‘This isn’t the precise individual to name. Sorry!’” Ms. Fodor mentioned. She ultimately discovered a lawyer, who’s now working with some members of Ms. Comai’s group chat.

Some creators, like Kaity Dennis, are pissed off however aren’t certain if the price of authorized motion will cancel out any cash they may recoup.

In November, Jahnesha Standley, a parenting influencer and former consumer in Jacksonville, Fla., texted Ben Popkin pretending to be excited about signing a brand new contract.

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Ms. Standley, 28, had left the company after a three-month trial earlier in 2022. She had not too long ago realized that her former supervisor there appeared to have misrepresented the speed of a deal she had turned down. She didn’t actually need to signal a brand new contract. She wished solutions.

Three days after Christmas, Ben Popkin acquired in contact.

“Hello Jahnesha,” he wrote in an e-mail offered to The Instances. “You despatched me a textual content message beforehand concerning finishing extra campaigns — are you interested by extra collaborations? Thanks, Ben.”

Ms. Standley mentioned she didn’t maintain again in her response. “I went off.”

Callie Holtermann contributed reporting.

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'Star Trek: Discovery' ends as an underappreciated TV pioneer

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'Star Trek: Discovery' ends as an underappreciated TV pioneer

Sonequa Martin-Green as Michael Burnham.

Michael Gibson/Paramount+


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Michael Gibson/Paramount+

First, an admission: Though this column will offer a lot of discussion and defense of Star Trek: Discovery as a pivotal show, it won’t spend much time talking up the series’ current, final season or its finale episode, “Life, Itself,” dropping Thursday on Paramount+.

That’s because, for this critic, the last few seasons of Discovery have been a bit bogged down by the stuff that has always made it a tough sell as a Trek series: overly ambitious, serialized storylines that aren’t compelling; new characters and environments that don’t impress; plot twists which can be maddening in their lack of logic; big storytelling swings which can be confusing and predictable at once.

The show’s finale features the culmination of a sprawling scavenger hunt which found the crew of the starship Discovery bounding all over the place, searching for clues leading to a powerful technology pioneered by an alien race which created humanoid life throughout the galaxy. Their goal was to grab the technology before another race, ruthless and aggressive, could beat them to it, laying waste to everything.

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It’s no spoiler to reveal that Discovery’s heroes avoid that nightmarish scenario, wrapping its fifth and final season with a conclusion centered on Sonequa Martin-Green’s ever-resourceful Capt. Michael Burnham and fond resolutions for a multitude of supporting characters (there’s even a space wedding!)

Still, this good-enough ending belies Discovery’s status as a pioneering show which helped Paramount+ build a new vision for Star Trek in modern television – breaking ground that more creatively successful series like Star Trek: Picard and Star Trek: Strange New Worlds would follow years later.

And it all began with a singular character: Michael Burnham.

A take on Star Trek for modern TV

Discovery debuted in 2017 on CBS All Access — the streaming service which would become Paramount+ — facing a serious challenge.

As the first new Trek series in a dozen years, it had to chart a path which offered a new vision of the franchise without going too far — carving out a new corner in the universe of Capt. Kirk and Mr. Spock not long after the release of Star Trek Beyond, the third feature film produced by J. J. Abrams featuring rebooted versions of those classic characters.

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Producers set Discovery’s story 10 years before the days of Kirk and Spock (originally depicted on NBC for three seasons starting way back in 1966). The new series wouldn’t be centered on a starship captain, but its second in command: Burnham, a Black woman who also happened to be the hitherto unknown adopted daughter of Vulcan ambassador Sarek, Spock’s father (she would get promoted to captain of Discovery much later).

A Black human woman who was raised among the emotionally controlling, super-intellectual Vulcans? Who Trek fans had never heard of over nearly 60 years? Before I actually saw any episodes, my own feelings ranged from cautiously intrigued to cynically pessimistic.

But then I saw the first episode, which had an amazing early scene: Martin-Green as Burnham and Michelle Yeoh as Discovery Capt. Philippa Georgiou walking across an alien planet – two women of color marking the first step forward for Star Trek on a new platform.

People once sidelined in typical science fiction stories were now centerstage — a thrilling, historic moment.

Michelle Yeoh as Captain Philippa Georgiou and Sonequa Martin-Green as First Officer Michael Burnham in the very first episode of Star Trek: Discovery.

Michelle Yeoh as Captain Philippa Georgiou and Sonequa Martin-Green as First Officer Michael Burnham in the very first episode of Star Trek: Discovery.

Jan Thijs/CBS

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And it got better from there. Back in the day, Trek writers often felt hamstrung by creator Gene Roddenberry’s insistence that, in the future depicted by the show, humans were beyond social ills like greed, prejudice, sexism, war, money and personal friction. The writers chafed, wondering: How in the world do you build compelling stories on a starship where interpersonal human conflict doesn’t exist?

But Discovery found a workaround, putting Burnham in a position where logic led her to mutiny against her captain, attempting a strategy which ultimately failed — leaving humans in open combat with the legendarily warlike Klingons. Discovery also featured a long storyline which played out over an entire season, unlike many earlier Trek shows which tried to offer a new adventure every week.

The show’s first season had plenty of action, with Harry Potter alum Jason Isaacs emerging as a compelling and unique starship captain (saying more would be a spoiler; log onto Paramount+ and check out the first season). Fans saw a new vision for Trek technology, leveraging sleek, visceral special effects and action sequences worthy of a big budget movie, with design elements cribbed from several of the franchise’s films.

Later in its run, Discovery would debut Ethan Peck as Spock and Anson Mount as Christopher Pike, classic Trek characters who eventually got their own acclaimed series in Strange New Worlds. So far, five other Trek series have emerged on Paramount+ from ideas initially incubated on Discovery – including a critically acclaimed season of Picard which reunited the cast of Star Trek: The Next Generation.

Not bad for a series one TV critic eventually called among “the worst in the [Trek] franchise’s history.”

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Discovery’s unappreciated legacy

Unfortunately, Discovery has taken some turns which didn’t work out quite so well. At the end of Discovery’s second season, the starship jumped ahead in time nine centuries – perhaps to remove it from Strange New World’s timeline? – placing it in an environment only distantly connected to classic Trek.

And while Discovery initially seemed cautious about referencing classic Trek in its stories, later series like Strange New Worlds and Picard learned the value of diving into the near-60-year-old franchise’s legacy – regularly tapping the show’s longtime appeal, rather than twisting into knots to avoid it.

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There are likely fans of Discovery who would disagree with this analysis. But I think it helps explain why the series has never quite gotten its due in the world of Star Trek, initially shaded by skeptical fans and later overshadowed by more beloved products.

Now is the perfect time to pay tribute to a show which actually accomplished quite a lot – helping prove that Roddenberry’s brainchild still has a lot of narrative juice left in the 21st Century.

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Lifestyle

10 drops, pop-ups and L.A. events to break through that June gloom

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10 drops, pop-ups and L.A. events to break through that June gloom

Prada Galleria

Who doesn’t love a fresh take on a classic? The Prada Galleria, a bag first created in 2007, is back with reimagined surface and structure — including a new calfskin exterior and nappa interior, gold-plated metal hardware and extremely Prada embellishments including micro-studs and 3-D floral blooms. The new Galleria in soft grain leather offers a flexible and comfortable canvas for an array of precious details. Now available in black and warm neutrals. prada.com

Toteme opens on Melrose

The spare white interior of a retail boutique.

Quiet luxury continues its reign in L.A. with the opening of Toteme on Melrose. The Swedish brand known for its archetypal Scandinavian style — making the kind of pieces that have been worn by Hailey Bieber and, undoubtedly, her L.A. cronies — establishes a new flagship space with a focus on art and design. The store houses Toteme staples like the embroidered scarf jacket, and also is home to the brand’s pre-fall ’24 collection, featuring airy button-ups and coats in whimsical colors and prints like olive green and leopard. Two low-slung greige sofas by Josef Frank for Svenskt Tenn serve as the nucleus of the sleek space, with artwork by prominent Swedish female artists — curated by Toteme’s owners — throughout. Now open. 8910 Melrose Ave., West Hollywood. toteme.com

The L.A. Yearbook at the Black Image Center

The LA Yearbook at the Black Image Center.
The LA Yearbook at the Black Image Center.
The LA Yearbook at the Black Image Center.

(Red Eye Creative Marketing)

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“Innovation studio” SEEDS and creative agency Red Eye Creative team up to host the L.A. Yearbook, a social mixer connecting L.A.’s creative world at the Black Image Center on June 15 from 3 to 8 p.m. Serving as a West Coast follow-up to the Brooklyn Yearbook, the evening is meant to be steeped in nostalgia, encouraging attendees to get their headshots taken in the style of a high school picture day. The photos will be compiled into a physical yearbook after the event, offering a physical snapshot of L.A.’s creative scene at this moment in time. 3209 La Cienega Ave., Culver City. @thelayearbook

‘Fotos y Recuerdos: Guatemala in Los Ángeles’ at Oxy Arts

A photo collage features an old bus, headshots, a potted plant, a store interior and more

In collaboration with Las Fotos Project, Oxy Arts hosts the summer exhibition “Fotos y Recuerdos: Guatemala in Los Ángeles” through July 20. With a focus on image making and archives through the lens of the Guatemalan diaspora in L.A., the exhibition highlights more than100 photos from community members’ personal archives, showcasing interconnectedness, plus the importance of documentation and preservation in communities of color. 4757 York Blvd., Los Angeles. oxyarts.oxy.edu; lasfotosproject.org

‘The Theater’ by -ism and Brendan Lynch

"The Theater," a coffee table book by L.A. artist Brendan Lynch.
Colorful abstract paintings in "The Theater," a coffee table book by L.A. artist Brendan Lynch.

(Brendan Lynch)

Relive artist Brendan Lynch’s spring exhibition at Good Mother Gallery with a coffee table book that gives you insight into the Angeleno’s brain. The book, titled “The Theater” after the exhibition, is published and designed by independent publishing house -ism and takes us behind the scenes into a show that aims to bring the background to the forefront. The book, with its linen hardcover and white foil emboss, reveals the layers behind Lynch’s paintings, which depict “a controlled chaos of scenes picked from theatre, film, and pop media, challenge perceptions and invite a deeper engagement with the unseen,” says the gallery. Kim K’s post-coital bed; a fiery image from Alexander McQueen’s fall 1998 ready-to-wear collection; Aphex Twin’s “Windowlicker” video — these are all scenes that inspire work in “The Theater.” $60. my-ism.com

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Tiffany Titan by Pharrell Williams

Pharrell Williams in a cowboy hat and denim shirt, pursing his lips

Tiffany & Co.’s new collection by Pharrell Williams, dubbed Tiffany Titan, takes inspiration from mythology, channeling the spike of Poseidon’s trident as a symbol of lifeforce, rebellious power and punk energy. Featuring an array of necklaces, earrings, bracelets and rings in 18 karat yellow gold and black titanium with diamonds, the collection is feels personal to Pharrell. Poseidon, also known as the king of Atlantis, is representative of Pharrell’s relationship to water, and the community he grew up in in Virginia Beach, also called Atlantis. And the black titanium is the artist’s ode to “beauty in blackness,” says the brand. The pieces take on a rebellious spirit, anchored by Tiffany’s DNA. tiffany.com

Loewe X On

A person stands outdoors wearing a large orange coat

Everyone’s favorite quirky Spanish fashion house has collaborated with the Swiss performance wear brand On for a collection that’s meant to move with you from the city to the great outdoors. A campaign photographed by Ryan McGinley shows global athletes — from Aaliyah Miller to Masato and Sintayehu “Sinta” Vissa — in iconic California landscapes including Palm Springs, Indian Canyon and Simi Valley. The collection includes sneakers, hoodies, tanks, tees, vests and parkas in high-tech fabrics and tones that draw from nature. Available now: loewe.com, on.com

Beachwear by Parley for the Oceans X Dior

A model in shorts sitting on a lifeguard tower; in the foreground a model in a blue sleeveless hoodie with a blue towel

Environmental organization Parley for the Oceans has collaborated with Dior on a beachwear capsule collection for the third year in a row. Featuring bucket hats, bags, shorts, tops, coverups and more, the collection takes inspiration from the land and the ocean, featuring pieces in “mineral colors,” like aqua, and coral prints. The fall 2024 release is made using 30% of Parley Ocean Plastic, supporting the organization’s aim toward a more sustainable future. dior.com, parley.tv

‘Yves Saint Laurent: Line and Expression’ at OCMA

Mannequins in long draped gowns

(Marco Cappelletti / Musee Yves Saint Laurent)

A new exhibition at the Orange County Museum of Art celebrates the work and life of famed French couturier Yves Saint Laurent. With a focus on the designer’s drawing practice, the exhibition features original sketches done in black ink and pencil, punctuated by bursts of color, along with photographs, accessories and garments made from 1963 to 2001 that highlight Saint Laurent as a singular artist. June 28 through Oct. 27. ocma.art

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Celine men’s winter ’24

A black-and-white vintage-looking photo of a model seated in a car, its door open

Inspired by a piece of music written by Hector Berlioz in 1830 and recorded by Leonard Bernstein in 1963 , Hedi Slimane’s men’s winter ’24 short film “Symphonie Fantastique” was shot early this year between the Mojave and Los Angeles, using a desolate desert road as its runway. Directed by Slimane, who has long shared a kindred spirit with California and L.A., “Symphonie Fantastique” is shot in black-and-white and it’s oozing with 1960s swagger and silhouettes. Juxtaposing models in Slimane signatures — skinny suits, slick leather, fur coats, capes — against lasso-wheeling cowboys, L.A. mountains and freeways, “Symphonie Fantastique” creates an alternate world in the familiar sprawling setting, borrowing the spirit of what Bernstein described as the first psychedelic symphony ever made.

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Should you lend money to your loved ones? NPR listeners weigh in

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Should you lend money to your loved ones? NPR listeners weigh in

Photo illustration by Becky Harlan/NPR


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Photo illustration by Becky Harlan/NPR


Photo illustration by Becky Harlan/NPR

Has a friend or family member ever asked to borrow money from you?

Earlier this month, Life Kit asked our audience this question for an episode we did on the social etiquette of lending money. The act of generosity can unite people in times of hardship. But it can also complicate relationships — especially if the borrower doesn’t pay the loan back.

We received nearly 50 emails on the matter. Many of you reiterated a general rule we discussed in the episode: if a loved one asks for a loan, give the money as a gift if you can afford it.

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But we also heard different perspectives. Some of you told us how lending money destroyed your friendships. Some offered advice on how to get money back from a negligent borrower. And others shared heartening stories about how the funds changed a person’s life.

Here is a selection of listener responses. These have been edited for length and clarity.

Use the loan as a teaching moment

Early in their marriage, my son and daughter-in-law had trouble making their paychecks stretch — and started asking my hubby and me for money.

I said yes with a couple of strings attached. First, it would only be a one-time thing. Second, they had to keep track, in writing, of how the money was being spent so I could see where the money was going. They were not thrilled with the idea, especially because I would see how they spent their money, but I didn’t care.

The exercise made them aware of where the money went. It only took a couple of months and they were living within their means. They are now doing well. They purchased a house they could afford when interest rates were low. —Joan Shurtliff

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Saving my friend from high interest rates

My friend had a situation where she was in credit card debt on a card with a high interest rate, so I paid it off for her. It was over $500. I told her to pay me back over time.

It didn’t make sense to me that she should waste money on interest. My parents fronted me money for two months of credit card bills between college and my first post-college job. I paid them back after I had some paychecks under my belt. My friend’s family doesn’t have that luxury, and I don’t think she should be penalized for that. —Yvonne Marcoux

Don’t be afraid to ask for your money back

A college classmate of mine was hard on his luck. He had become unemployed for a spell and was having difficulties making ends meet. He asked if he could borrow money. I lent him $500 with the expectation that when things were better, he would pay me back.

After about two years, I called it in. I felt uncomfortable because I couldn’t tell for sure if he actually had the means to do so, but he was now employed. It took him a couple months, but he paid me back in full. —Mariann Duya

Consider their character

One day, a good friend of mine — a former roommate and tenant — sent an email to me and some friends. He just lost his job and humbly asked all of us if he we could loan him money for one month’s rent.

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It was unusual for him to ask for such a loan. My friend is a hardworking man who is responsible with his money. He was a dependable roommate and tenant who always paid on time.

I consulted with my wife. She suggested that we lend him the full amount and consider it a gift. We were in a financial position where we could afford to do so. My friend was very grateful. From what I understand, we were the only ones in the group email to lend him money.

About a year later, after he found another job and got back on his feet again, he paid us back in full. It was a pleasant but not total surprise considering his character and our friendship. Though we were totally fine with letting the money go as a gift, it was nice to know that friends can keep their word too. —Oscar Fornoles

So far, so good

I often lend money to family, partners, friends and coworkers. I even proactively offer loans. They also lend me money. I can only remember one issue over very little money that I lended to a guy I didn’t know well. Maybe I’m lucky? Maybe it’s my environment? Do I choose my friends well? —Daniel Garzón

Glad I made it a gift

Several years ago I loaned $500 to a longtime friend. She was going through a hard time after a rough divorce. Out of compassion for her situation I wanted to help.

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But before I did that, I asked myself if I was prepared to never see that money again. I’m glad the answer was yes — because she never paid me back or ever mentioned it. —Salvatrice Kemper

Thank you to everyone who responded to our call out. To take part in our next audience-generated story — and get great life advice from experts — sign up for Life Kit’s weekly newsletter.

This story was edited by Meghan Keane. The visual editor is Beck Harlan. We’d love to hear from you. Leave us a voicemail at 202-216-9823, or email us at LifeKit@npr.org.

Listen to Life Kit on Apple Podcasts and Spotify, and sign up for our newsletter.

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