MLM Survivors Club

Thursday, November 1, 2007

Re: [MLM Survivors Club] Re: Just a question about financial planning

Vicki,

absolutely right.

But when it comes to MLMs - believe it or not - they really do think that the untrained can give Financial Advice, Medical Advice, Legal Advice.

Thats because they actively promote the idea that everything is a big plot by the AMA or Big Pharma or the ABA . Damn, why go to school to learn all that 'stuff' when someone can just print you off the spiel?

mick

Vicki <v_eller@yahoo.com> wrote: Ask the guy where he got his CFP. That's "Certified Financial
Planner". Or is he a CPA? Ask his what courses and credentials you
need to do this business... CPA, PFS, CFP...

If they say, oh you don't actually need any of that, and that ANYONE
can do this... tell him he's full of crap.

I work at a Wealth Management firm. I have none of those
credentials, so I do not advise anyone about anything. I am an
office assistant. The people that DO advise clients are CPA, CFP
and or PFS.

Would you go to a doctor who never went to medical school? Would
you seek legal counsel from someone who never passed the Bar?

Probably not.

Would you give legal advice if you had no legal training and knew
nothing about the law? That would be unethical/unauthorized
practice of law. I have a Paralegal Certificate, but I still can't
give legal advice.

I hate Primerica. Someone called me here at work and tried to
recruit me.

--- In mlmsurvivorsclub@yahoogroups.com, "Peter" <pete__31@...>
wrote:
>
> Ok, I just talked to the gf tonight, her brother is not going to
> give the 'talk' but only watch for training purposes. He says to
> bring lots of questions while for the 'financial guy'. It really
> does sound like the standard setup for one of those 'your an idiot
> if you don't join' talks. So anyway, I'm brining the beer, a 9%
> american IPA, if they dont' join me in beer we could never have
> anything in common. Any questions I can ask the guru while I'm
> there? I don't want to come off antagonistic. All your help is
> appreciated.
>
> Pete
>
> --- In mlmsurvivorsclub@yahoogroups.com, "chandranova"
> <chandranova@> wrote:
> >
> > Yup, sounds an awful lot like Primerica.
> >
> > --- In mlmsurvivorsclub@yahoogroups.com, "Peter" <pete__31@>
wrote:
> > >
> > > My girlfriends brother is coming into town next week for what
he
> says
> > > is training at a part time job for a company that deals with
> financial
> > > planning and services. He already has a full time job and
makes
> big
> > > money in sales, along with owning a few homes. But he
> wants "two
> > > genie pigs to see the presentation and learn how to present
> myself".
> > > I'm I just being suspicious or have any of you heard of this
> before.
> > > So far I dont' know the company name.
> > >
> > > Thanks in advance
> > >
> > > Pete
> > >
> >
>

[Non-text portions of this message have been removed]

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[MLM Survivors Club] Re: has anyone heard of fun unlimited?

Ok. Seems like you are convinced about what you are doing with this
particular MLM. Great!! So what was the point of your original post
again ?

Were you just trying to plug your site ?

(Perhaps you don't know how many people come in here trying to
convince us that their particular MLM is THE ONE that is different
from all others). What you should perhaps know is that most of us here
believe that MLM is seriously flawed as a CONCEPT and is designed to
defraud and hurt people - so if you and your clients are making
millions from this MLM, what are you here for ? A lame effort at
recruitment is how I see it.

> man after my own heart! You are absolutly right! I can't disagree
> with anything. I do that currently and I do it quite well. I am a
> broker for a living. I know that MLM's do make money because I have a
> few very well to do clients from them. I joined because I had the
> extra money to take a chance. So far so good. There must be some
> terrible companies out there! May be I am in one. I don't know. I
> haven't heard anything valid indicating I should run the other way.
>

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Re: [MLM Survivors Club] has anyone heard of fun unlimited?

On Thursday 01 November 2007, Stephanie Harrison wrote:
> --- In mlmsurvivorsclub@yahoogroups.com, Hal Vaughan <hal@...> wrote:
> > On Wednesday 31 October 2007, jengerbreadnga wrote:
> > ...
> >
> > > You cannot convince us this is legitimate nor will you get us
> > > to tell you how to be successful.
> >
> > Actually, I'll be glad to tell her how to be successful. It's
>
> quite
>
> > simple: Get out of that MLM and find a good job that you can enjoy
> > working at, or take a few weeks to figure out what you want to do
>
> with
>
> > your own business, work hard, save your money, after you've got
>
> about 2
>
> > months expenses in the savings account, save up more to use for
> > investing. That's what my Father did and he died a multi-
>
> millionaire,
>
> > all based on money he earned in the Navy during WWII and money from
>
> his
>
> > regular work salary that he invested and watched.
> >
> > Hal
>
> man after my own heart! You are absolutly right! I can't disagree
> with anything. I do that currently and I do it quite well. I am a
> broker for a living. I know that MLM's do make money because I have a
> few very well to do clients from them. I joined because I had the
> extra money to take a chance. So far so good. There must be some
> terrible companies out there! May be I am in one. I don't know. I
> haven't heard anything valid indicating I should run the other way.

Because some people make money in MLMs does not mean that it is a good
business model. People on Ponzi schemes make money too, but only the
ones at the top of it. If you stay around here, you'll hear a lot
about what goes on in MLMs and how those a the top make money.

For example, in the most well known of the MLMs that we talk about quite
frequently here, there is a tools business that accompanies the actual
MLM. Some people involved and at higher levels have admitted, ON
CAMERA, that the king pins make more than 75% of their income from the
tools that they tell people they need to succeed.

I can run through the numbers, like I've done a million times before on
this list to show you just how they make money on the tools, even when
they claim the tools are a non-profit item. They make millions on the
tools, but they do it by literally driving thousands of people into
heavy debt, ruining their families, and destroying their lives by
gaining their confidence and, literally, brainwashing them by
convincing them to listen to a large number of CDs that tell them not
to trust anyone but them. Oh, and it's those CDs that are the tools
they charge for and get rich from!

Hal

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Re: [MLM Survivors Club] Re: Just a question about financial planning

On Thursday 01 November 2007, Vicki wrote:
> Ask the guy where he got his CFP. That's "Certified Financial
> Planner". Or is he a CPA? Ask his what courses and credentials you
> need to do this business... CPA, PFS, CFP...
>
> If they say, oh you don't actually need any of that, and that ANYONE
> can do this... tell him he's full of crap.
>
> I work at a Wealth Management firm. I have none of those
> credentials, so I do not advise anyone about anything. I am an
> office assistant. The people that DO advise clients are CPA, CFP
> and or PFS.
>
> Would you go to a doctor who never went to medical school? Would
> you seek legal counsel from someone who never passed the Bar?
>
> Probably not.
>
> Would you give legal advice if you had no legal training and knew
> nothing about the law? That would be unethical/unauthorized
> practice of law. I have a Paralegal Certificate, but I still can't
> give legal advice.

Well said!

Thanks to both my business and what my Father left behind, I'm doing
much better than I was a few years ago. I want to invest what I have,
but I'm also aware that I don't ever want to work for anyone else ever
again, so I want to make sure what I have will last until after I'm
gone.

Some of the money is already in stocks and investments and producing
income from dividends and such. This money is my freedom, my
independence, my retirement fund. It's what will determine whether I
can live in a home I like when I'm old and feeble or a retirement home
where my valuables walk away whenever my back is turned or an assisted
living facility that I find is a wonderful place to live. If I find
someone I want to marry (and I'm way too picky!), it's what will make
sure my kids have at least enough to help them in college (if not pay
for it) and it's what I would want to take care of my wife if I die
first.

I've worked hard over the past 6 years, was in debt about $23,000
because of startup and other costs, and now can actually buy new
furniture (the debt is gone!). I've worked hard, often day and night,
to earn every single little red cent my business has brought me and for
what I inherited, it's the result of my Father's investments, which he
couldn't have made if it weren't for his hard work to earn a salary.

There is no way on this Earth (or any other planet!) that I will listen
to ANYONE who does NOT have the proper qualifications, whether it be
the lawyers we've worked with on my Father's estate, my cousin the
stock broker who is doing so well with a large financial firm, or
anyone else that will be helping in financial planning.

There is no way I would EVER consider listening to someone who is
pitching a business to me that would include trying to recruit me. If
they consider me good material for recruiting and advising people,
without certifications, then that tells me they are more concerned
about getting their hands on my money than in trying to help me reach
my goals.

All of us work hard for our money. We deserve the best and advice from
ANY MLM is not the best.

Hal

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[MLM Survivors Club] Re: Just a question about financial planning

Ask the guy where he got his CFP. That's "Certified Financial
Planner". Or is he a CPA? Ask his what courses and credentials you
need to do this business... CPA, PFS, CFP...

If they say, oh you don't actually need any of that, and that ANYONE
can do this... tell him he's full of crap.

I work at a Wealth Management firm. I have none of those
credentials, so I do not advise anyone about anything. I am an
office assistant. The people that DO advise clients are CPA, CFP
and or PFS.

Would you go to a doctor who never went to medical school? Would
you seek legal counsel from someone who never passed the Bar?

Probably not.

Would you give legal advice if you had no legal training and knew
nothing about the law? That would be unethical/unauthorized
practice of law. I have a Paralegal Certificate, but I still can't
give legal advice.

I hate Primerica. Someone called me here at work and tried to
recruit me.

--- In mlmsurvivorsclub@yahoogroups.com, "Peter" <pete__31@...>
wrote:
>
> Ok, I just talked to the gf tonight, her brother is not going to
> give the 'talk' but only watch for training purposes. He says to
> bring lots of questions while for the 'financial guy'. It really
> does sound like the standard setup for one of those 'your an idiot
> if you don't join' talks. So anyway, I'm brining the beer, a 9%
> american IPA, if they dont' join me in beer we could never have
> anything in common. Any questions I can ask the guru while I'm
> there? I don't want to come off antagonistic. All your help is
> appreciated.
>
> Pete
>
> --- In mlmsurvivorsclub@yahoogroups.com, "chandranova"
> <chandranova@> wrote:
> >
> > Yup, sounds an awful lot like Primerica.
> >
> > --- In mlmsurvivorsclub@yahoogroups.com, "Peter" <pete__31@>
wrote:
> > >
> > > My girlfriends brother is coming into town next week for what
he
> says
> > > is training at a part time job for a company that deals with
> financial
> > > planning and services. He already has a full time job and
makes
> big
> > > money in sales, along with owning a few homes. But he
> wants "two
> > > genie pigs to see the presentation and learn how to present
> myself".
> > > I'm I just being suspicious or have any of you heard of this
> before.
> > > So far I dont' know the company name.
> > >
> > > Thanks in advance
> > >
> > > Pete
> > >
> >
>

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[MLM Survivors Club] Re: has anyone heard of fun unlimited?

And THAT'S why MLM and Credit Card companies go after the college kids
- they're hoping Mommy and Daddy will step in financially and bail the
kid out......

Deb

--- In mlmsurvivorsclub@yahoogroups.com, jonathon <jonathon.blake@...>
wrote:
>
> Chip wrote:
>
> > Something like a Wharton MBA would go a long way towards that
>
> I know people who were at Wharton, and in an MLM.
> (Daddy was paying their expenses for both projects.)
>
> xan
>
> jonathon
>

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[MLM Survivors Club] Re: This just in....

Just curious: is your upline with TEAM??? Those IBOs who have
remained with them, (or any of the folks who were terminated by
Amway), are jumping "out of the frying pan and into the fire".....

Deb

--- In mlmsurvivorsclub@yahoogroups.com, jengerbreadnga
<jengerbreadnga@...> wrote:
>
>
> I have just been informed by my "upline" that they are changing "the
plan". they are sooooo excited because "they have talked about it,
but nothing's been done" I hate having to work with these people.
You know what they say don't sh*t where you eat. Hindsight is 20/20.
>
> Oh and they just got back from vacation and had almost 30 "kate"
messages which I'm sure will be filtered down to me... I never listen
to them though it's a waste of time.
>
> I thought about going to an open meeting when they "change the
plan" just to see what they have changed. I just don't want to get
wrapped into that mindset again.
> I'll let you know what changes they make so you can be aware.
>
>
> ********************************************
>
> For the best in health and beauty products visit my site at
>
> http://jloudermilk.qhealthbeauty.com
> __________________________________________________
> Do You Yahoo!?
> Tired of spam? Yahoo! Mail has the best spam protection around
> http://mail.yahoo.com
>
> [Non-text portions of this message have been removed]
>

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Thursday, November 1, 2007

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