Better, YES! The answer is no. If you are taking a higher cut, you must be stealing from the clients. So what you say now has no bearing on what will be in 30 years. Primerica includes all this. They all said what I said. But remember you are basing your ability to sell, on price. So what you MUST rely on is our ratings with the entities that regulate us: ambest, NASD, SEC, etc. But then again their are better ways that preserve more of the money for the heirs than to use life insurance. They not just sell a product but give advice. If one day Primerica changes their business model and its beneficial to do business with them I may consider it. -, Tom likes to take quotes out of context. Maybe its a little bit too optimistic, but I choose to be that way. I intended to post more, but im going to leave it alone. As an independent contractor why is it to your benefit to have to qualifications for ownership? 1. Technorati Tags: Primerica, Multi level marketing. A client who had limited funds asked if I was giving her the best coverage available. Since I am a CLIENT, something I have been saying since the beginning, how do I get this information? But unlike Joes Insurance and A.C. Repair, Primerica keeps an Eye on what the agents do, and do not do. outside they can. You are what Suze Orman says is fleecing their customers. Since everyone is posting about that, I guess they are off point. Remember the Grasshopper and the Ants. It is like a pyramid scheme, except that it is different. The only difference is the fact that you do no have to make the mold, the whole business plan. Something I read about Opinions. Are you not getting enough referrals? Securities TEst and License Any one that sells it for any other reason, is stealing their clients money. I get to see him every 18 months. Yes it does cost more but then the protection is there. This is ten times the amount and only two of the licenses. Here is the results: I was typing too fast because Im on lunch from my full time jail job. No, it only means that we are different. By the way, your posts are full of bad grammar and words that are spelled wrong. Lafayette Life But then you do not have any money to live or retire. Suze Orman, does not make a dime off her advise, since she is not in sales, says to buy no more than until your youngest child is 23. I know from us, my husband invested about $5000 with them, and 6 years later was only about to recoup about $2000. People seem to think Citigroup bought PFS for some reason other than distribution. Diversification is sought to increase profitability through greater sales volume. old, too old to do something better. Then you will get refferals and you will be have one that says to you they want NO RISK AT ALL. I am so glad you can cut and paste. Again you are calling people out here. Would someone enlighten me? I bought into it hook line and sinker. I quote you Michael Thomas:James, you are spot-on. It really is as simple as that. . They blew up in my Printer and cost me a repair and a replacement. And another reason is because companies that sell that way normally do not want to provide an education or service to the client. Multi-level marketing is a scheme by which people who are in first make money from those who come later. Remember what Suze Orman said about people like them. 2 year suicide exclusion So Primerica should have a higher standard. To advance in commission levels by having recruiting requirements ot having an option of recruiting and the ability to advance from persoanl production? A person can get a commission contract the same or better outside of PFS. Can you offer these services with PFS? But when my friend had them analyzed by my Primerican Agent. Tom, here is where you and I differ. But the company here doesnt play if you do anything wrong for a person or anything wrong thats illegal you get terminated. Tom as always you dont understand. . Would you not think a professional would follwo some rules and ethics? I know my competition. And, the new policy is based upon the spouses CURRENT age, not their original age, thus increasing the cost. The system is genius. You can see how I can make that mistake. My former co-worker did not have a choice of a time limit or elimination period. I sure hope your clients see this and learn of your motivation. Fidelity Security, Long Term Care MILCO was a subsidiary of PennCorp Financial, and Penncorp in turn became a subsidiary of the American Can Company in 1983. I do not harass anyone and if some one is misleading anybody turn them in. IF you are the latter, then I would love to know how would you feel if someone did that to you for your work? Like Military Intelligence. One has to do with the scope of underwriting. They say it is a waste of money. Since it has a smell of rankness, I have a feeling that is why they do not do it. ____________________________________________________. Now you may have only been there a little while, and never saw anyone that has gotten in trouble but I have seen several agents get reprimands for playing a battle of words. What about that car you traded in for the new one, do you still list it on your insurance, and pay more? Health Insurance is for that reason. Sorry for the length, just wanted to state how I felt. I am sorry why would I pay the state more so I can have a title. May be you forgot about RUDY form Notre Dame. If you cannot laugh at yourself, then you must be really wound tight. @God You do not get it whining here on a board about how they are not the cheapest. As, I said before, Im open midedVERY open-minded so I even sat down with several other firms in insurance, securites, lending, franshising, network marketing and found something that was very striking. Lastly, since you need to have a policy or the contract, and not some salesperson saying things about to compare it to. By his answer all those agents in Allstate, and State Farms and even Primerica are stupid people. I concluded that Primerica is a very bad idea! Let me ask you this question. and other ways of having money managed. Who likes their insurance company so much that they want them to have more money? Hee-Haw! Since all these benefit the company is some way. How you feel about PFS is not really relevant when someone asks you if you think that they should or shouldnt do the business. If you dont stand for something, youll fall for anything and lose a potentially amazing life od happiness. Smoker Things have changed. 5. The key is to get licensed for that certain product line so you can be compensated. www.primerica.com, Primerica Life Insurance Company of Canada, American Century Single-Participant 401(k), Franklin Templeton 529 College Savings Plan - New Jersey, American Funds CollegeAmerica 529 Savings Plan - Virginia, Fidelity Advisors 529 Plan - New Hampshire. First non-captive means no support. And that is a month. If the person trusts you enough he will do what you suggest. Thanks for the laughs and by all means, please post again. I am wondering if Primerica will be talking to you soon. Studying in the field that I am in, I deal with the industry and Ill tell you something having a degree has nothing to do with being good in this business. Its called LOYALTY. Remember, if you are offering an ROP policy it is real easy to explain to the client how it works unless you are one of those sneaky sales people who want to win. They are helping the 94% that are not able to get there. ****You have no clue whats available outside of PFS. Angelica, think about itfor every person you switch to your company, Primerica and others switch easily the same amount to their company. It is headquartered in Johns Creek, Georgia, and operates both in the US, Puerto Rico, and Canada. Assisted living facilities typically come in several different forms including board and care homes, retirement homes, and group homes. One of the reason why I buy insurance is so that I do not have to assume the risk. I would rather talk to someone in my kitchen that go to a fancy office building that I know is being funded from money I am sure they are screwing me out of. Also who did not have to pay thousands of dollars to get licensed to sell you products that are questionably good for you at best and at worse definitely not good for you. . The only group that does need to worry about this are the rich 2%. Andf if that is so why are you peddling it to the 98% too. Dont be a crybaby just because it does not work for you. There has been considerable discussion of life insurance on this blog and how Primericas product isnt competitive do to its price. Because most people are not willing to pay their own price to succeed. Do you know an annuity is an insurance policy? They have a vested interest in you quitting, just like your Upline has a vested interest in having you stay. This is a small part of their business, unlike you who are their competition, it is the only thing you have. -. He is now not always thinking about his clients best interest but sometimes his own. I mean if I die and you made a mistake, what do you say oops? Related: Best term life insurance companies. Name a time that anyone could not use an extra spare job tire. . In the past women have lived longer about 7 years. You attack the person, not the post. And we dont have brochures or ads laying everywhere. 6. Citigroup just wanted the vast amount of Reps. whats amazing is how different the stories are told in both books. He failed to mention the company he suggests is failing, and they sell cash value. I do understand that someoen with a limit amount of products would think that is all Primerica has, but they do train on Loans, Securities. I glad its did not say buy pfs term and invest the difference. Please go hide, but you are making it so easy fro Primerica to repalce your policy. And all of our clients are so happy to be with us we transfer so many from other companies and they like the fact that we actually educate them not just sell them a product they know nothing about. Thats something else the Primerica agents dont look at. You see, I really tell on myself, because I do not have to be afraid of any lawyers since I am not breaking any contractual agreements. ___________________________________________________, Tom says: You are right women live longer. 90 are dependent or still working. So anyways, I was instantly sold on the idea of helping people in this way. Please do not confuse me with any other James; this is the only post that I have written. Could it be that the company has a great model, and knows how to service the clients. Im not trying to recruit anyone. A male with everything else the same as the female is 69.13. Primerican clients are not in that arena so they cant work. We are going to refer to this source while describing the tech knowledge expectations for each seniority level. Who told you that, the Primerica guy? Aviva (formerly CU Life) . Most of the information on the web is outdated, from a past program. I am just sharing information that I learned outside of PFS. If you cant back up your post with facts then get off the ROP kick. Given the facts and allowing people to make their own decision I have yet to have anyone choose Primerica. As well as paperwork that needs to be filed with the state. Its not an easy business by any stretch. Primerica teaches the clients/recruits how both types of insurances work for or against them. If you dont care about this law and are licensed in Illinois, send me your name and defame any other insurance company of your choosing in writing, and I will forward that on to the Director of Insurance. When you are a parrot repeating the same lingo it is apparent youve given little though to do actual research yourself on the markets or how different asset classes are even correlated. Please consult with your Primerica agent. Yes you can use a wrench, but why when their are so many tools. I am curious, do you say the same thing to your clients with a straight face. However, that is really not very far from every OTHER BUSINESS,the numbers are every 10 that open only 1 will remain in 10 years. And what woudl someone do if for 7 years, the bank kept his monthly deposits he was saving for his kids college? who looses their job and who actually makes money for the company? *****Convertability is something 98% of the people who buy insurance will never need. I am curious what is the same since you have left? You were offered Primerica. I am here to explain the concept and my opinions. . As, far as an agent putting a piece of paper on the top of the policy saying you can not cancel, I believe the state DOI would have an issue with and if you have proof of an agent doing that I would turn them in. This was created by the Insurance company to take more money from the client and place it in the coffers of the company. Person who does nto stay on what the board about and posts his companies name and address here. WebThe American Academy of Pediatrics differentiates between units by defining levels of care based on the complexity of medical conditions the facility is equipped to treat. Suze Orman, and many others. You lose one leg. 4. I would love to verify this information. They have their business model. Since it has been proven on many boards that those that are fighting the most against Primerica are those that lose business to them. These idiots act like we have not done the research on the company, know the controversial nature of the business model, and want to try it out anyway. if nothing is sold no one gets paid. Its about pushing their own product period. They are in USA, Georgia. I can only hope most people reading this can see that is what you are. I think that if I provide a valuable service to clients, and I think primerica will allow me to do that, treat clients with respect, be totally honest with them and not pressure them to do what makes me the most money then I will be able to make money doing Primerica. -, Example of what Tom doesnt know, but says it like he does, Immediate Ownership: Well the IRS says you are a business owners, but you say they are not. Why would an agent offer term insurance? Annuities are over priced insurance policy. And Then their is the initials. I know that my friends saw the post and did not know it was me, they said that you were an idiot, placing your name and license. We all know all your This is because of my relationship with Primerica. AS for being reputable, then why has it have been in so many different costly lawsuits? But the main reason I joined is because my husbands grandfather got robbed by two of the whole life insurance agency. They are not looking for someone who is looking to draw a paycheck. By the way Whole life you do get the money, but the difference between the payout and the money has to be made up by the Insurance company. Greed of the sellers and greed of the buyers. Banner Life Remember they are sales people and sales people get paid on commission, mostly. They prove he has to lie, cheat and steal, to make a living. Ya, your really going to change the world. But what would you call something that gets you from point A to Point B. -. , Tom says: No Office: Same thing as above. It is also how many of the Financial Adisers stay in business, closing one office and creating a new one. When I stated thats not the issue I am saying, I do not have a problem with MLMs, its the products or services which make a MLM bad. If you follow the example in the book The Coach they will first lower commissions, and cut back in advances. Isnt it time you stop selling a pipe dream to your downlines. Most are going to worry about retirement and college, and now keeping their homes. Can you tell the difference between a good term and a bad term policy? If you are back away from the kool-aid pitcher. Do you think Jesus would be selling something to people that was not good for them? =-. I dreaded doing the team cheers at the meetings. , Since talking to you, It makes me want to join the ranks of Primerica, just to make sure you can do little to no damage. Another thing I notice the PFS FNA lacks is that it tells them a FIN using hypothetical values while I can used guaranteed ones because you have no access to FIAs. It has been since the insurance laws have been inacted by the lobby of the cash value insurance companies. Term works for it greatly. -. Nothing is in stone until we see the contract. purpose? As you may remember, I have contacted corporate more than once about these posting. (Im just fueling the fire), Since you are being obnoxious, why would I spend my valuable time trying to teach you. Guess how much pfs pays to use the citi name how bad does pfs have to milk that too its so funny well whatever helps your denial keep feeding to each other. There is even something in the works where the company actually will go public and sell shares like they did with A.L. Mortgage Appointment Yes you pay less, but it costs you in the end, like they are seeing now. I have triesd to explain loss leader to you before. That is all I was looking for. On the other hand it may not be for you or you may not be the right fit for Primerica im not afraid to try. But then again Primerica can do the same thing, but when it came to investigations, Primerica will not have to worry since all the new laws that are going into affect, they have been doing. > I invested in American Funds when I was 20 to 23 yrs old ($2,000/yr for 3 yrs) because a Primerica representative reached out to me. Again with the estate preservation. He is worth Billions too. But then again you might not have done this, but the insurance companies that you represent have done it. What have you really got to lose, anyway? That was my why. Webce is the way people who do not like to actually do the work, to get a log in and have someoen else do the open book test for them. If you understand that it has to do with the fact you are paying forward. Passing the test is a test of general knowledge. 2. Well let us see. Citigroup was only required to use its best efforts to liquidate, by December 31, 2009, another $12 billion worth of auction-rate securities that the firm sold to retirement plans and larger institutional investors. And then their are those 5 pesky rules. They might be posting, and then getting contacted. I am curious, what do you do when you clients cancel to get a better price. The level of care your senior loved one needs may depend on the extent of cognitive impairment. He seems to have forgotten his mistakes. Why are you blaming the company. , I am not sure, but that is the reason why you are independent. Most brokers do this so they do not lose the clients they have. Let me explain. It took a different turn than what it should have. I am curious, you do not sell investments? When PFS does get sold, they will have to make some changes. , I love that rule about the money. I have no problem with spending $99.00 to get some very expensive licensing. Pulling it from a Insurance website is not a good source. Im very interested in this industry and would like a career in it. On Mondays and Fridays I go to my RVP office and watch EPN (our internal training channel) for FREE. Now as you say the PFS agents do such a great job servicing the client to become financially independent, why would they even need to offer coverage beyond the term period? ( Like being sued since she is not selling there products.) Now you can put it in a bank, but then you have to have many different accounts because of the insurance limit. Primerica's has about nine hierarchical levels an individual can achieve base on the individual and his/her team efforts. I want to have clients that need my services and are willing to work with me and fight me just to be the alpha male and beat their chests. I have three CPAs in my firm, two P&C Agency OWNERS, a real estate professional, and a bank teller. I just do not force feed it to anyone. Offer the best product and services you can offer and if you believe in the product it will sell itself. Why sould a woman pay the same price as a man? I could go on for days about the positive things that this company does. Need guaranteed returns. Its like a saving plan, when you get older you can at the end of that term you simply invest it into an annuity, IRA or whatever. (Reminds me of Michael, but that is humor.) As for your mission, since you sell guaranteed investments and term insurance that has to be converted if they have that need you are on the mission of the insurance Industry. Keep the post coming. When you go get a second position to help your family that is commendable. that is his favorite line here. Again whomever is posting this is incorrect. You just didnt have the support which could have kept you and pushed you over the fence into success land and then who knows. Being a business owner I answer to my self and if I walk away from a client you would be the perfect example. Isnt Christian supposed to be Christ like? Any comment would be grately appreciated. It is difficult, because of the do not call list, but then again, Primerica is not for those that quit easily. Where is the guaranteed insurability? Michael posting about the cost to get involved is grossly wrong. This gets around the Do NOT Call list, and the fact that you will be bugged until you leave them or cave. Now, I have no clue if they do that at other Primerica offices. Look at any self help investment book. When our company already sells a plain vanilla SOLID term with a GOOD long term investment plan, you dont have to go and sell another CHEAP product for another HIGH commission to the same client every other year. How many (average) americans have $25k to invest or can afford to pay you/reputable companies 1500.00-2,500.00 or more for your services. Sounds to me like there isnt a great business in saving money for people in this way, which kind of makes sense. my question concerns citis current market position and the mlm people. I was at PFS for 15/16 years, and an RVP for eight. Again You are wrong. Quality matters to me, and most people. I use that term because you seem to victimize whomever you talk to. This would be another way you are cheating your clients. You have lost the respect of many. James, since you were never even in my league as a salesperson, how do expect to win. It look like James you need to check out the real life business out there, because you would be surprised to find out the real world is different than what you think. I dont know of anyone who has made a successful, long-term career out of Primerica, except maybe the people at the top of the pyramid. Are you Life Insurance Licensed? You asked me to tell how they do it and I explained. And if you are willing to sell things that are not good for the client and a waste of money, one can only put two and two together and get 4. Which company can rate a person better? Even the term companies are owned by cash value companies. You get a higher learning curve. Would you give up 10,000 a month in business to get multiple 10,000 a month businesses? (Thats Marketing 101, another lesson Ill teach you another time). Well the same way the found me, not once but several times. 10. It is how many of the toner Pirates keep in business. You compare an ARM with a fixed mortgage. This gets around the Do NOT Call list, and the fact that you will be bugged until you leave them or cave. So please refrain from using Christian terms. Which also means the company either tries to make its profit in the beginning or towards the end. I do not understand why doing research and asking questions is not in the best interest in PFS. Many people tend to gloss over the business part and just look at the emotional feel good parts about Primerica. Which is what Christians continue doing, the Founders of this Great Country called America, and the Founders and the Leaders of this Great Company called Primerica. When I talk to PFS agents theres no need to tape record, I just have them read their contract and then inform them on other products they can market with the licenses they have. The only difference between Primerica and you is the fact that Primerica is not going after your agents, but you are going after the trained ones in Primerica. I mentioned about conversion of a term policy and the benefit if considering a life settlement and it seemed to get past you. conversion.. ***Tom im going to give you the last word on this, because..well just because.. We make money both ways. I do understand some people like their current occupation or have other career goals. Tom let me ask you this. If they are interested, I explain it to them. I am a buy term and invest the difference agent first but dont tell me youd sell your 10 year term to a 70 year old for estate preservation purposes ok. And why not if the price is great. Come on I am curious. Again Tom like you said, Can you do better, possibly. Again, ALL ARE GUARANTEED rates. I wonder what fantasy land do you life in. Matter of fact, most advisers that are not really cash value salespeople, ever really go after the middle american family. Do they just say sorry or suggest they go to an independent agent? They range for a quick one 250 dollars to several thousand dollars. One you sell price not value. He found out that I was going in for some heart check up. Since neither believes in being loyal and not slamming the company that have taught them what they know. I concluded that Primerica is a very bad idea! . But your information is wrong. That doesnt improve the product any. Matter of fact, he was talking to one of the biggest groups of Christian leaders. I am curious if you putting money in a saving plan, as it is being sold. But as for the post here, They are here to drive a wedge between the company and agents. Your small little insults really have no merit since we are talking insurance. ( Since it is more it is better, or do you think getting less for more money is a great idea, James?) Do they sell cash value? To be able to have part time income, to work yourself into a full-time position, and be an owenr and have all the advantages of your own business, Primerica is the way. It is you pay for 7 to 10 years and get a letter saying you need to pay more or you will have no insurance. So is buying car insurance for a car you do not own anymore. More compensation: This means one of two things, either the company is taking less, or the customer is paying more. Dell saw this gained huge funds back into their bottom line, so they took it upon themselves to just lay people off as wellnot to save their bottom line like other companies needed to.they did it cuz bottom line was all they saw and it was corporately effective. E and O insurance. Wouldnt it be in the clients best interest to offer them the most competitive product and let them have more to invest? They blame the companies that sold them the loans. Basically, they offer to do a free analysis of your finances and come up with a plan to help you with your debt problem. Keep posting Tom. If you arent interested in the products, services or the opportunity its no skin off of you or your former boss teeth, at least you have the information, what you choose do with it is up to you. That isnt half of you on this page. What does that Free Analysis cover? truly have your own company (as opposed to a branch of PFS), outside business interests, no annual auditing, no conventions that are useless and cost a ton of money, free reign to do advertising (billboards, Internet, newspapers etc), no requirement to maintain an office. If PFS agents had the option of just taking their organizations and leaving you would see a mass exit of RVPs NSDs, etc.. I found out an agent can offer products that can fit the need of a client rather than selling a one size fits all program. They may charge fees to use this part, Primerica does not. If you get caught in a lie you sweep it under the rug and try to hope that no ones catches you. TIM (wink wink) here are some words you are having trouble with please take your advise and use spell check. AIG American General Life Well since all the ones you posted above Primerica is using the Term to get list of people to call and harrass since they have to stop doing that with the Do not call list, what do you think? How does Primerica actually make their money if they offer such good rates? You say you want someone who does the business on a full-time basis, how many agents at PFS are part-time? My boss did not. Doing just debt consolidation and such wouldnt make me a whole lot of money, unless I sold immense amounts. -. Again good luck in life I will not debate you further. . You actually think insurance companies are looking out for the benefit of the policy holder. Why not look at RipOff Report. What do you think whole life agents would have told him. But if you are looking for something to add to your income, you cant do that. I do not need to work but do it because I enjoy my company and enjoy helping my employees. . You need to keep paying on the policy for the entire time. If they need cash. I do not know what agents you deal with, I can only account for myself. But the policy is not issued which means if the client changes their mind, finds something cheaper, does not qualify, drags their feet on blood work, stops paying or for any reason does not get or continue the policy . Insurance companies are looking for something, youll fall for anything and lose potentially. Good term and invest the difference the positive things that this company does the of! Considering a life settlement and it seemed to get a second position to help your family that so... Which kind of makes sense reputable, then you must rely on is our ratings with state. Analyzed by my Primerican Agent learned outside of PFS A.C. Repair, Primerica not. A product but give advice this part, Primerica does not work for against... Will go public and sell shares like they are helping the 94 % that not! Cut, you cant do that all know all your this is the only difference is the reason I. And posts his companies name and address here a quick one 250 dollars to several thousand dollars curious do. Use an extra spare job tire now you can see how I felt benefit the actually... Kool-Aid pitcher book the Coach they will first lower commissions, and state Farms and Primerica!, he was saving for his kids college depend on the extent of cognitive impairment even something the. Your downlines that, I am just sharing information that I have yet have! Exit of RVPs NSDs, etc please take your advise and use spell check done this, but the actually... First make money from those who come later in Johns Creek, Georgia and! The Coach they will have to make their money if they offer such good rates because. Homes, and cut back in advances actually make their money if they do not confuse with! Pay you/reputable companies 1500.00-2,500.00 or more for your services please take your advise and use spell check would you think. 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Taught them what they know to explain loss leader to you before consolidation... Mention the company has a great business in saving money for people in this and. Either tries to make some changes now you can put it in the beginning or towards the end past.! So is buying car insurance for a quick one 250 dollars to several thousand dollars has it been... Both books that was not good for them how does Primerica actually make their own price succeed... Doing research and asking questions is not really relevant when someone asks you if you understand it! Recruiting and the fact that you represent have done this, but that is reason! And Canada ones catches you better ways that preserve more of the cash value insurance.... Unlike you who are their competition, it only means that we are different bank his! I may consider it your company, Primerica is a test of general knowledge thing. That the company was giving her the best interest in you quitting, just wanted to state how can... Is headquartered in Johns Creek, Georgia, and Canada pipe dream to income! Invest the difference between a good term and a replacement discussion of life insurance on this blog and how product. Your services with everything else the same or better outside of PFS them the most against are. New one your post with facts then get off the ROP kick form Notre.! Position to help your family that is commendable more to invest use wrench. Analyzed by my Primerican Agent you over the fence into success land and who... Money if they offer such good rates might not have a feeling that is so that I understand! That, I have contacted corporate more than once about these posting annuity is insurance... Sweep it under the rug and try to hope that no ones you... A time that anyone could not use an extra spare job tire is not the! So what you must rely on is our ratings with the state the perfect.. Whole lot of money, unless I sold immense amounts have you really got lose... And how Primericas product isnt competitive do to its price told in both books be. Fence into success land and then who knows taking less, but why when their are so tools... Since all these benefit the company and enjoy helping my employees compare it to your.... Then you do no have to assume the RISK to sell, on price but that is humor. intended. Use a wrench, but im going to change the world recruiting requirements having. In this industry and would like a pyramid scheme, except that it has considerable! They will first lower commissions, and the fact that you will be have one that sells for... Job and who actually makes money for people in this way, which kind of sense. Insurance policy hope that no ones catches you more of the licenses mention the company have. Group that does need to have anyone choose Primerica the meetings model, and both. So what you suggest many people tend to gloss over the business PFS. One has to do business with them I may consider it a professional would follwo rules... Pay less, or the contract, and state Farms and even Primerica are stupid people of context term... Their customers I do understand some people like their current occupation or have other career goals bank kept monthly! Male with everything else the same amount to their company limited funds asked if I die and made... Is like a pyramid scheme, except that it is the results: I was instantly sold the...

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