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Need Extra Money? Career Change? Great Opportunity

Discussion in 'BBS Hangout' started by pugsly8422, Apr 9, 2012.

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  1. pugsly8422

    pugsly8422 Member

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    Let me preface this by saying that I hope all of my years on here has earned me some rep so you guys don't think I'm trying to scam you.

    As some of you know, I work full-time as a Tax Analyst, but even though I'm good at it, I don't love my job. I prefer finances and helping people with theirs. I recently got started with another job on the side, and am hoping to one day quit my current job and do this other one full time.

    The company is called Primerica Financial Services (the company with the most 6 figure earners in the U.S.), and pretty much anyone can do it (they teach you all you need to know). Basically what you do is sit down with a family, go over their financial situation, take some information and put it into a computer. You show them how they can save money, and help them. It doesn't cost them a dime.

    The way you make money is mostly through life insurance. When you sit down with them, one of the things you talk about when you're taking their numbers is their life insurance. If they don't have any, not enough, or if they need a longer policy, you can help them out, and get paid for it. There are numerous other things you can get paid for as well, but that's the main one.

    A friend of mine that works there brought in $10,000 just last month, and it was only his 3rd month there. One of the best parts is, you're your own boss and you do it at your own leisure.

    Look, I don't want anyone to think I'm trying to scam them. They do overview presentations that last about 20 minutes, or if you prefer, the Regional Vice President (a great and very down to earth guy) will be happy to sit down and explain things. I will be happy to meet you there as well.

    There's a lot more to it, this is just the tip of the iceberg. If you just check out the overview presentation, you'll see why it's such a great opportunity.

    You can email me through the board, or post on here if you're interested and I can help you get set up, or we can meet/email/talk about it. If you have questions, I'll be happy to answer.

    Pugs

    Edit: as of now this is only in the Houston area, unless you're willing to drive down.
     
  2. s land balla

    s land balla Member

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    I hear houstunnin is looking for a job.
     
  3. CCorn

    CCorn Member

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    I'm about to graduate, but not with a accounting/finance degree. Your post made it seem that isn't required. I sent you my email on your message board. Hope to hear from you.
     
  4. TheRealist137

    TheRealist137 Member

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    life insurance is the biggest scam known to man. Basically your job is to scam people and make money.
     
  5. CCorn

    CCorn Member

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    ...Worked for houstunnin ;)
     
  6. Eric Riley

    Eric Riley Member

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    Primerica? Seriously?..

    [​IMG]
     
  7. pugsly8422

    pugsly8422 Member

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    Well I guess that shows how much research you've done. :rolleyes:

    Thanks for your input anyway.

    CCorn - You're right, it's not required (to be honest, I wish I hadn't wasted all of that time and money on my degree!). I'll email you in a couple of minutes.

    Pugs
     
  8. Xerobull

    Xerobull ...and I'm all out of bubblegum
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    Insurance is no scam. It's a social contract. If you think you're going to make a profit off of insurance, you are misinformed. Salespeople make comission.

    At any rate, why troll pugs' thread?

    Hey pugs, kick me an email in the morning.
     
    1 person likes this.
  9. TheRealist137

    TheRealist137 Member

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    The only way you "win" off of life insurance is if you die. You are betting the insurance company that you will die before they think you will. This is a lot different from other types of insurance like car insurance or home insurance.

    Like I said, life insurance is a scam because you are betting against your own life essentially. If you don't die, you will never get any benefit out of life insurance while still paying money for it.
     
  10. pugsly8422

    pugsly8422 Member

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    Yeah, I guess some people just don't understand this, or the way it works. I'll send you an email from work in the morning.

    Look, you don't just go out and say..."hey, do you want to buy life insurance?"

    You sit down with them, get their income, mortgage, savings, debt, etc., put it into a computer program, which figures out where they could save money, and use that to figure out how much extra money they could have, and what would be best to do with it (get life insurance to cover the family/home/debt/etc., pay off debt or put it toward retirement). That's why the title is "Financial Advisor" and not "Insurance Salesman". If you're not interested, or at least wanting to learn more, then that's fine, just move along.

    Pugs
     
  11. pugsly8422

    pugsly8422 Member

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    Hey, if you don't want that protection for yourself and for your family that's fine, we all are entitled to our own opinion. That's not what I made this thread for anyway, I was trying to pass this along so people could take advantage of the opportunity.

    Pugs
     
    2 people like this.
  12. Dairy Ashford

    Dairy Ashford Member

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    Not this, not here.
     
  13. Dairy Ashford

    Dairy Ashford Member

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    I want Primerica sales pitches banned from this board as much as the next non-contributing member; but you ever had to settle an estate, bro?
     
  14. Kim

    Kim Member

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    Wait what?

    Did you know that there are different types of life insurance? Term Life is what your speaking of, but there's also Whole Life, which you can benefit from if you don't die.

    And lastly, even with Term Life, life insurance is not about you, but about helping your loved ones in case you die before you want to. Term Life is pretty damn cheap and if you just had a child or something, would be a perfect policy to have. It would be terrible to die and leave your spouse with a kid and no financial aid. Life Insurance protects against that situation. It's not a scam...you don't have to buy it, and it's pretty straight forward about what it pays out.
     
  15. IBTL

    IBTL Member

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    Maybe you can view it as weird but I have 2 children both pretty young. I don't have a bunch of assets and things I can leave my children and wife if I die. So I pay $48 a month to transamerica and if I croak my wife and kids get $600k.

    It's worth $48 a month to me to know that if I do die that my kids and wife may not be able to live high off the hog on 600k, but at least that could get them down the road and my wife could do something part time and be around the kids instead of working all day gone.

    I have no way of getting 600k to put out there right now so as far as I am concerned I either pay $48 a month or I potentially leave my kids and wife with jack ****.. from that standpoint it's a no brainer. Realist doesnt have family or kids or has a bunch of dough lying around. good for realist I suppose.

    As for OP what is the buy in? Besides time what is the out of pocket expense for each 'employee'? training manual?
     
  16. pugsly8422

    pugsly8422 Member

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    Good explanation IBTL. As far as the "buy in" goes, there is no buy in. The only thing you pay for is your background check. Once they've done a background check, you sign up to take 2 8-hour classes (usually back to back, Saturday and Sunday), they give you the manual and basically tell you everything that is on the test. You get access to a lot of different study options, and then when you've passed a practice exam, you can take the state exam (they pay for it) to obtain your license.

    The money from the background check is refunded to you after you get your first sale as well, I got mine back the day I got my license because I had sat down with the Regional Vice President and my aunt, we found money for her and updated her policy, but because I didn't have my license yet, I couldn't actually make the sell at that time. So when I did get my license a few days later, I got the money.

    Pugs
     
  17. macalu

    macalu Member

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    can't tell from your post but you should also consider insuring your wife? she may not work or be the bread winner but if she died, you need the income to replace whatever "work" she does. if she's a SAHM, that insurance money will pay for child care. if her work supplements your bills, it becomes a saftey net for you and your kids to continue living at your current standard.


    pugsly, here's a thread that i've posted in about primerica. there's a couple more i'll try to find later.

    http://bbs.clutchfans.net/showthread.php?t=164432&highlight=primerica
     
  18. Space Ghost

    Space Ghost Member

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    Pugs, you didn't lose rep points by suggesting other people to join a venture that many would consider a scam. We all get duped.

    You lost rep points when you tried to get us to join your MLM scheme.
     
  19. pugsly8422

    pugsly8422 Member

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    MLM scheme? Sure, it's Multi Level Marketing, and you have to start at the bottom, but nowhere did I ever say that someone has to go in and say "hey, pugsly8422 sent me here". I said to email me and I'd give them the information. Ask any of the people I've emailed so far to come forth and flat out ask them..."did pugsly8422 tell you to tell them that he recruited you?" See what they say. I've said all along, this has been successful for me and I wanted to pass it on to others. It's good to know this is what I get on here for trying to help out others.

    Pugs

    Edit: Damn, this has me so upset. Everyone seems to think....nobody does anything unless they get some benefit out of it. I sure do get a lot out of posting that deals thread don't I? You know, screw that, and scew this. It's good to know when you're appreciated. I'll finish this thread, if anyone wants to contact me about it, or has questions that's fine, but after this I'm done. Thanks for 10 years ClutchFans.
     
    #19 pugsly8422, Apr 10, 2012
    Last edited: Apr 10, 2012
    1 person likes this.
  20. Space Ghost

    Space Ghost Member

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    Sorry, that might have been a bit harsh. It seems you have good intentions.

    Im assuming you know what Multi Level Marketing means, aka Pyramid Scheme. If you want to make big bucks, you have to get people to join under you while you make residuals off their sales, just as you will be making residuals for the person who recruited you.

    Primerica has a bad rep and many people have heard of them. I strongly suggest you do some google searches before you put too much time and money into this.

    And just FYI, not all MLM's are bad, especially if you get on when it gets started.
     

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