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Message: <blockquote data-quote="jezter6" data-source="post: 948119" data-attributes="member: 6567">To climb back up on BV210's box:It does require discipline. Lots of it. And the 'free' financial analysis your primerica rep will give you DOES in fact give you a great way to reduce your debt by teaching you ways to pay off your debt more quickly. (IE: Paying more money on high interest debts each month and making minimum payments on your lower debt. In theory, you'll pay off the higher debt sooner saving you that extra interest money.)But, that great free information comes with the...YOU NEED LIFE INSURANCE because you're going to die in less than 25 years (see rant above about how term life insurance is a gamble against your own life...not a bet I intend on making!)It's the second, and then third part of it that gest people. You pay out the wazzoo for their term life, THEN they recruit you to work under them after you've already paid their commission check. <img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f642.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":)" title="Smile    :)"  data-smilie="1"data-shortname=":)" /> And of course, they send you ALL KINDS of cool propaganda on how much money you 'can' make. I'd love to take some pictures of the crap in my dad's office, but I'm just too lazy.Anywho, here's a quick and dirty look at the 'pyramid' scheme:Level 1 - Apply to be an analyst - 0% commissionLevel 2 - Get lisenced - 25% commissionLevel 3 - Recruit 3 of your friends and get THEM lisenced - 35% commission, plus 10% of THEIR commissions on each saleLevel 4 - Get one of your friends up to level 3 - 50% + about 15% of their salesLevel 5 - Get one of your friends up to level 4 - 60% + about 20% of their stuffLevel 6 - Get 2 more friends up to level 4 70% + about 20% of their stuffLevel 7 - 3 more friends at level 4, plus 1 level 6 or 3 additional level 4's that go to SOMEONE ELSE'S POCKET! Now you're making about 90% on a sale, plus all the bonus xx% from under you.All the + xx% means you're getting money on their sales, plus the percentage of someone ELSE below them, PLUS someone below THEM, etc, etc.After level 7, they just keep expecting you to get your friends up to level 7 so you can sponge off the 6 people THEY had to build to get to level 4, which requires each of them to have 3 people under them.Yeah, PYRAMID. <img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f642.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":)" title="Smile    :)"  data-smilie="1"data-shortname=":)" /> Nuff said</blockquote>

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