Connecting Minds Across The Globe; Action Steps

Strength courage confidence

2010-03-04T09:14:00.000-08:00

"You gain strength, and courage, and confidence by each experience in which we really stop to look fear in the face. You must do that which we think we cannot."

Eleanor Roosevelt
1884-1962, Social Activist and First Lady of the United States

Primerica MLM Business Reviewed

2010-03-01T15:43:00.000-08:00

Primerica MLM Business Reviewed
March 1, 2010 | By admin In Uncategorized |

Primerica Financial Services is a financial services company that is structured through the MLM business model. Representatives can earn either by selling various financial products and services like life insurance, mutual funds, variable annuities, segregated funds, loans, long-term care insurance and pre-paid legal services or by actively recruiting more representatives to do the same and get a commissions from their sales. Using an MLM business model to sell financial services might draw some criticism, but so far, it has paid off well for Primerica. But if you’re reading this article, then I suspect the bigger question is whether it will pay off well for you too.

The Company

Primerica, whose headquarters are located in Duluth, Georgia, is a subsidiary of Citigroup, which by itself, should ease concerns about whether this particular MLM is a legitimate business. Citigroup simply has too much at stake to risk involvement with a dodgy subsidiary to tarnish it’s name. Primerica has gotten a lot of criticism for aggressively recruiting just about anybody to become a representative (a hazard of using an MLM business format), but the products and services sold under the Primerica name are, by all indications, legitimate.

The Compensation Plan

For this review, let’s focus on Primerica’s best-known product, term life insurance, which is sold under the Primerica Life Insurance Company. This is probably why a large number of agents enter Primerica Financial Services to begin with.

Entering Primerica costs $199, which is reimbursable upon passing a licensing exam. The commission on a sale of term life insurance is 25%. The representative who closes that sale gets the bulk of the commission but has to split the rest among people in their upline.

As with any business structured around multilevel marketing, you are paid commissions based on your sales level. Selling term life insurance policies on your own is a hit or miss proposition. So to improve your chances of getting significant income from Primerica on a regular basis, the smart representative turns to recruiting new reps so he or she can receive an override from their sales. The more people you recruit (who actually close on sales,) the less actual personal selling you have to do to receive a greater income.

The Verdict

Primerica gets a nod for being a legitimate MLM business. But like any other MLM business opportunity, success comes only to those who have the proper set of skills to keep their business growing until residual income kicks in. Primerica’s idea of recruiting the average Joe into their sales force is great in theory, but one occasionally runs into problems when recruitment standards are thrown out the window completely. Still, it seems to be working out well enough for both Primerica and those dedicated representatives willing to put in the time and work involved.

If you’re considering a Primerica business opportunity, take a close look at your “warm market” of family and friends (who will probably be your first prospective recruits). Then ask yourself honestly if they’d be willing and able to actively sell term life insurance. Even with the proper training, some people are just not inclined to get into that kind of thing.

In short, you need to ask yourself if you could replicate the success of people higher up in the company. That’s a question only you can honestly answer. If you have any doubts about being able to sustain the level of recruitment needed to keep this particular MLM business opportunity growing, then keep your options open. There are thousands of business opportunities that might be a better fit for you.

But if you’re really serious about getting into Primerica and if you’re really looking to expand your marketing efforts from a different angle, definitely take a look at the largest marketplace on the planet, the Internet. If you can figure out how to market to the 1.6 billion people on the web each and every day, you more than likely will skyrocket to the top of the leader boards of Primerica or any other MLM business you get involved with for that matter.
Source: Google Alert - http://www.google.com/url?sa=X&q=http://downlinesecret.net/37575/primerica-mlm-business-reviewed/&ct=ga&cd=S8HVv9NfZeg&usg=AFQjCNEpTsfXaU45jZBZxorf1aeYAt_JrA

What would it feel like to be debt free? Blog

2010-02-25T06:27:00.000-08:00

If you're down and discouraged - you're not the only one. When you think you've got it worse than all think again - there is always someone somewhere that has it worse.

What are you to do? Pray for those that or worse off, even destitute of daily food clothing and shelter. Give without fear. Those that give shall receive many-fold.

Getting debt free is easier that you think. There are many steps to getting free of debt, yet the hardest one is the first step. The steps are very simple:

1. Pay yourself first (save 10% from what you earn)

2. Pay 20% toward debt - if it doesn't cover the bills make arrangement with your creditors, most will agree to get something committed on paper rather then nothing.

3. Live on the rest (70%)

Do this for a year, then you will want to repeat it. Grow an emergency fund - 6 to 8 months living minimum.

Need help? Someone to guide you, something interactive where you're in control?

DebtWatchers Empowers you to achieve debt freedom http://bit.ly/5Ow81b

We offer free financial needs analysis (FNA) - to get you debt free and financially independent http://bit.ly/6QB0nW

Always end on a positive comment

2010-02-24T10:29:00.001-08:00

Dear Insight Subscriber,

"Find something positive to think about and don't let the conversation in your head end with a negative comment. Always end on a positive comment."

Dr. Tomi Bryan and Dr. Jerry White
From their latest release, The 5 Keys To The Great Life

Insight of the day Mon. Feb.22, 2010

2010-02-22T08:05:00.001-08:00

"We will receive not what we idly wish for but what we justly earn. Our rewards will always be in exact proportion to our service."

Earl Nightingale
1921-1989, Author of The Strangest Secret

My lifetime goal

2010-02-22T04:44:00.001-08:00

I will attain anything in life by helping others to get what they want in their lives.

I will achieve my goal to make life on earth a better experience for all.

I will seek the best devices and methods available to render service to all. “And as ye would that men should do to you, do ye also unto them likewise.” Luke 6:31

I will prosper, both spiritually and materially, because of firm faith in God’s promise that whatsoever I set my hand to do, with his help, I will do it with might. “Whatsoever thy hand findeth to do, do it with thy might; for there is no work, nor device, nor knowledge, nor wisdom, in the grave, whither thou goest.” Ecclesiastes 9:10

I will prosper by quality of service and product to clients, thereby gaining respect and good relationships. I will multiply my prosperity because of duplication, creating Multiple Sources of Income.

I will set a good example in lifestyle and character which people will admire and be attracted to and will apply the same principles in their walk of life.

I will practice that which I hope to do in heaven, which is to love others and live in peace with all human beings.

YOU CAN'T TAKE IT WITH YOU - article reposted and edited by Author Paul Bilek

2010-02-21T10:50:00.000-08:00

Author Paul Bilek

YOU CAN'T TAKE IT WITH YOU

Health Articles | November 26, 2001

Edited on Feb. 21, 2010

Making money is cool. Very cool. But the fact is that you

can't take it with you. As we live in the Information Age

we must learn new skills AND take advantage of new

technologies like social media to maximize our productivity.

We're not working at the car factory any more.

First let me say this very clearly. I am NOT your Mother

nor am I trying to put any guilt trips on you. But here's

a FACT. You will work better and achieve your goals faster

if you are healthy and maintain that health. Not preaching,

just practical.

There are some simple things you can do to improve yourself

or to PREVENT losing your good health. And hey, if you are

in your 20's and think you are indestructible, look around

at the 40 or 50 somethings. You're heading there too.

The first thing we can do is TAKE BREAKS from the computer.

The Net is 24/7, you don't HAVE to be. If you find yourself

saying I'll catch up on my sleep on the weekends you're

kidding yourself. Walk away for a few minutes every hour or so.

Good break habits today mean you can do more work tomorrow,

whatever your work might be, and make more money.

The second thing is to avoid caffeine ADDICTION. The fact

is that many of us use caffeine as a little pick me up and

that's OK from time to time. But when it becomes a lifestyle,

WATCH OUT. Caffeine does lots of nasty things to your body

if you get too much of it. Just use common sense and you

should be good to go.

Third, use antioxidants. The world is changing every day.

And the only advancements in TECHNOLOGY have not been in the

microchip! We now produce more potent vitamins and minerals

than ever AND we know a lot more about what our bodies need.

And I'm not talking about swallowing 100 pills a day either.

Don't live in a AMD64 world and take a P4 vitamin.

Fourth and last, we can do some moderate exercise. Yeah, I

hear the boos. But hey, walk away from the keyboard once in

a while and past the soda machine. There's a world out there.

Get into it. Do something that you enjoy and is good for you.

Your waist size is not the only measure of good health.

Fitness counts too.

If you are in great shape now .... EXCELLENT! Make sure to

review what you are doing from time to time and stay up to

speed on what's happening now. If you need to improve

that's no problem. Start where you can and in no time your

productivity and clear thinking will amaze you. GO FOR THE

GOLD in your career Health Fitness Articles, just make sure you can enjoy what you earn.

Source: Free Articles from ArticlesFactory.com

ABOUT THE AUTHOR

Paul Bilek wants to help you get in excellent financial and physical health

and help keep you there. He is a full-time entrepreneur and

has the knowledge and tools to help YOU at his website:

http://primerica.com/paulbilek. Information 1-519-419-5126.

FREEDOM EVENT PRODUCTIONS: BUSINESS EXPO FEB. 20/21, 2010

2010-02-20T17:20:00.000-08:00

FREEDOM EVENT PRODUCTIONS: BUSINESS EXPO FEB. 20/21, 2010

Primerica

http://primerica.com/paulbilek

Job fair frustrating ... for those trying to find work

2010-02-18T19:42:00.000-08:00

Find more videos like this on Globe Networkers

Happy Valentines! True Success Tips For Happy Long Lasting Relationships

2010-02-13T06:26:00.000-08:00

http://gary1on1.com/blog/motivation/happy-valentines-true-success-tips-for-happy-long-lasting-relationships/

the ability to make yourself do the thing you have to do

2010-02-10T09:08:00.000-08:00

"Perhaps the most valuable result of all education is the ability to make yourself do the thing you have to do, when it ought to be done, whether you like it or not; it is the first lesson that ought to be learned; and however early a man's training begins, it is probably the last lesson that he learns thoroughly."

Thomas H. Huxley
1825-1895, Biologist
Click here for our printable version

Sent to you as a courtesy of:

Bob Proctor

Home based opportunity

2010-02-10T07:17:00.000-08:00

This is only one of the great opportunities we have.

Find more videos like this on Globe Networkers

Now better than ever! http://bit.ly/dm6zS6

Contact me http://ca.linkedin.com/in/paulbilek

Those who struggle to make a small differnce

2010-02-09T13:02:00.000-08:00

"I have never been especially impressed by the heroics of people convinced they are about to change the world. I am more awed by those who struggle to make one small difference."

Ellen Goodman Journalist

New Primerica Logo: Faith, Hope, Enthusiasm broadcast

2010-02-08T15:20:00.000-08:00

EPN broadcast Feb.8, 2010 mp3 recording

http://bit.ly/cAVAXH http://bit.ly/cAVAXH

*Maui, Hawaii

John Adison
------------
Greatest moment in life.
The Dream is the struggle, it's the fight

I was called to be great and I am

I have no fear of future, I'll go forward with courage and boldness

We're at war with mediocrity - it's morning with Primerica

Brett Burks
---------------
The financial services distribution company

At least five directs per month; sprint wide - double digit as a team

Sprint wide, explode deep & repeat

Getting more people (inception is what requires you)

There's no shame in trying & failing.

Glenn Williams
------------------

What price are we willing to pay?

Leave here with Faith & belief that it will happen

Surround with with excellent people. Get $million dollar mind-set!

Every positive action plays out positive in life. This is a decade of dominance

Art Carreon
----------------

1. Commitment is 1st thing to everything: trainings, opps, events, family & first to God

2. Mental toughness, eager to learn

3. Love is key, show love to team, teammates - love your people

* sometime worse comes before better *

Susan Carreon
-------------------

Partnership

Know this is where God placed you on purpose, you're meant to be here.

You can get this done - I believe in you!

Do it for the kids! I'll do it for my family, for my wife, for my kids

Give the agape love.

We do everything from heart

Master KT, FNA

* Mastering the heart of love *

Jimmy Meyer
-----------------

Top 25 list - invite them to opp - this is a people business

* Wild at heart * what makes you on fire?

I'm gonna do all I can today!

How money works - teaching people, take control

Bob Safford - pressure is good

John, Rick, Glenn worked hard in Primerica

I'm peeling off layers of pride, this is a new company, new me.

FNA, recruiting, mastering

Beware of the thoughts you keep

2010-02-08T05:19:00.000-08:00

"Beware of the thoughts you keep, because everything in reality manifests from the mind."

Justin Palmer
Second Year College Student

Primerica -Getting Started in the Business – Network Marketing

2010-02-05T17:40:00.001-08:00

http://www.google.com/url?sa=X&q=http://acidblog.net/marketing/primerica-getting-started-in-the-business-network-marketing/&ct=ga&cd=-qmd3re2af0&usg=AFQjCNGj8eTo_5C17i6wW7TpJub_BbzrPQ

Here is your Friday story, The Woman Behind the Counter

2010-02-05T06:58:00.000-08:00

The other day I was in the Phoenix Airport on my way to a meeting in Denver. Unsure of how long it would take to get the car parked, get the luggage checked, get through the security line, and get to our gate, we (my husband Michael and I) ended up at the airport early. Once we parked our belongings at the gate, I did what I always do when I'm early to the airport; I headed toward the News Stand for the sole purpose of staring at the tabloid magazine covers. Yes, I know, it's a nasty habit, but before you cast your stones, I should tell you I only allow myself to read the COVERS of the magazines. JUST the covers. And even in those few moments I can feel my brain cells rotting and my dislike for humanity mounting.

However, on this particular trip to the News Stand I witnessed something much more fascinating, and disturbing, than any tabloid could offer.

In this particular News Stand there was a friendly looking gentleman. He had a pleasant face th at was graced with a cheerful smile. He and I were hovering in the same area; I was looking at the magazines, he was looking at the Snickers bars. Though, "looking" wouldn't be the right word -- "agonizing over" would be a better way of putting it. You see, this friendly-seeming man was about 200 pounds from healthy. As we stood silently by each other, I could hear him as he struggled to breathe, and watch him shift uncomfortably from foot to foot as he worked his way down the candy display.

I watched him out of the corner of my eye as he picked up a regular sized Snickers with his right hand and a KING sized Snickers with his left. He looked at his two options, back and forth, back and forth. He rolled them around in his hands, crinkled their wrappers, contemplating his decision. After at least a minute, he reached to put the regular sized one back ... a shame, I thought. He was so close.

But then, like a flash of lightening from above, at the very last moment , he THREW the KING sized Snickers back. It landed atop the gum with a deafening THUD. The man turned and looked at me with regular Snickers in his hand. Gripped it tightly, shrugged, and smiled.

For a moment, I saw a glimpse of pride on his face; the kind of pride that comes from taking control of your life. Granted, it wasn't the BEST decision, but it WAS a step in the right direction and it was clear he was pleased with himself. I smiled back and nodded; a silent congratulations for a job well done.

He took his regular sized Snickers strutted to the register where a 50ish woman waited. She was friendly in an abrasive sort of way, and as I moved to look at the cover of Men's Health I heard her say to the man (who was still in the glow of his recent victory):

"Sure you don't want the KING sized Snickers? Looks awful good..."

The man who had just made a good decision, froze. He stared at the woman behind the counter. In that moment, it was as if t he Phoenix Airport stopped.... As he stared at the abrasive woman behind the counter, I stared at him. The woman reached for the KING sized and waved it in front of his face. "Don't do it. Don't do it," I willed him. But in the next moment, he nodded, took the KING sized Snickers, paid, and slowly walked away.

I wanted to say something, but it wasn't my place. As he walked past, he didn't look my way, instead he looked to the ground and to the KING sized decision he held in his hand.

Now, it would be easy to blame the woman behind the counter for the demise of our Snicker loving friend. She didn't HAVE to offer him the KING size when he seemed to be perfectly content. However, it is not her fault; she was only doing her job (I swear they get paid on commission -- every time I try to buy a magazi... I mean, a pack of gum... they always ask if I would like water or a snack. It can't JUST be because they're really concerned for my hydration or hunger). No, the responsibility lies solely in the man who ultimately made the choice.

We relate to this man. Whether you struggle with your weight, or you struggle to make good financial decisions. Maybe you make poor decisions, of any size, in your personal relationships. Whatever your vice may be (and there may be many), we have all been here before; on the brink of a breakthrough, only to fall short with no one to blame but ourselves. Whether you've been there once or been there 100 times, there is an important lesson to learn here; one that may not be the most obvious.

Who you are now does not determine who you will be.

I'll say it again. Who you are now does not determine who you will be.

Sounds nice, right? Easy lesson, nice lesson, hopeful lesson. The catch is this: you have to MAKE it so. The difference between who you are NOW and who you will BE happens because of choice. It doesn't have to be a heroic choice, it can be small/consistent choices made everyday in the right direction, that make the difference. But they MUST be made and can only be made by you.

How do you do this?

First: start seeing yourself NOW as the person you will BE. If you're broke, start seeing yourself as un-broke. If you're alone, see yourself wrapped in the warmth of a healthy relationship. If you're heavier than you would like to be, see yourself thin.

Second: It is not enough to just SEE yourself there, you must start behaving in a way that mirrors the behaviors of the kind of person you will become. Un-broke people make sound decisions when it comes to finances -- do that now. Healthy people find joy in salads and low-fat dressing -- you should too.

Third: Stay focused. There is a good chance that others will continue to see you as you are now, and that's ok. It's not their fault. They may not be aware that you have made a decision to change; not aware that you are making small consistent decisions toward the person you want to become. They may not SEE those small decisions or REALIZE what they are adding up to. Stay focused on YOU. On YOUR vision for yourself. And don't be afraid to verbalize your desires to those around you so they can aid in your transformation.

This is where I believe our friend at the candy counter went astray:

Perhaps he was seeing himself not as who he IS, but who he could BE -- well, healthy, happy...

I KNOW he was making a small decision in the right direction...

But when he got to the counter, the abrasive woman saw him as he WAS: a man who "must" love KING sizes. And instead of staying focused, instead of standing as a warrior for his future-self, he crumbled with the words "I will always be this" ringing in his defeated ears.

We all relate to this story. We have all been there. I just urge you to not go there again. Fight for you future self, and beware the woman behind the counter.

When all was said and done, I walked out of the News Stand empty-handed and heavy hearted. I took my seat at Gate C27 and waited for our plane to arrive.

(Post Note: Michael ended up sitting next to this man on the plane. When I told Michael this story, looong after the flight, he said, "That makes it worse ... he was such a nice guy.")

Kindra Hall

Kindra Hall is a storyteller with 18 years of experience. She shares her stories on stage, in coaching sessions, and on her blog: www.kindrahalltellsall.com. She works with organizations and individuals to discover, craft, and deliver their stories in order to more effectively communicate their mission and values. She has performed on the stage of the National Storytelling Festival in Jonesborough, TN at the

Right Now, You Have the Wisdom Within You to Be Rich

2010-02-05T06:05:00.000-08:00

I am experiencing great abundance, and I revel in my riches. I take ownership of my wealth. I am the wise steward of my finances, the gardener who cares for all my riches. I enjoy learning about my wealth, cultivating it, growing it, and sharing it. I value all that I have, and I nurture and tend my garden. I love to exchange ideas about increasing prosperity. I love to learn more about how to maintain my very healthy financial situation and expand my riches further. I have tremendous respect for all my resources.

I have a treasure chest full of resources available to me at all times. I immerse my hands in its riches, eager to touch, feel, and experience my wealth as I imagine how to exchange it, grow it, and give it back to the ever-providing universe created by God. I am deeply grateful for all the incredible affluence I have.

Today's Inspiration:

2010-02-04T04:34:00.000-08:00

"Act well at the moment, and you have performed a good action for all eternity."

Johann Kaspar Lavater
1741-1801, Theologian

Those with goals tend to succeed

2010-02-03T08:37:00.000-08:00

"Those with goals tend to succeed because they are focused and know where they are going, while those without goals do not."

Ted Karam
Author, from his new book Jumping On Water: Awaken Your Joy - Empower Your Life

Speak Truthfully about someone as if they were present

2010-02-03T04:25:00.001-08:00

"When you speak of someone or about someone, you should speak as though they were in the room with you. The ears that you speak to today are attached to the mouth that could relay the message tomorrow."

William 'Biddy' Allen
1903-2001, Bus Driver - Loving father of 7 children

Wealth Comes in Many Forms

2010-01-30T03:52:00.000-08:00

The river of abundance is flowing into my life, surging with energy, and I feel it filling me up with wealth. It is wonderful to be so rich! I feel expansive! I choose to share all these riches! I open myself up to receive even more wealth!

I an thrilled to be co-creating abundance in the universe in so many ways. I love watching how the universe works with me in our creation. I am inspired by its creativity! I open myself to all the abundance it is poring into me. Thank you, God, for blessing me with this tremendous wealth!

Create abundance by sharing

He is able to do exceeding abundantly, above all that we ask or think

2010-01-29T06:59:00.000-08:00

Today, remind yourself that nothing is too good to be true. Your great hopes can be realized. Your most wonderful dreams can come true. All that you really need, you can have. An incredible goodness is operating in your behalf.

If you are living a paltry life, resolve to stop it today. Expect great things to happen. Confidently receive God's abundant blessings. Do not think lack. Instead think prosperity, abundance, the best of everything. God wants to give to you, His child, every good thing. Don't hinder his prosperity. (Eph.3:20)

Life is 10 percent what happens to us and 90 percent how we respond to it.

2010-01-28T04:20:00.000-08:00

"Words can never adequately convey the incredible impact of our attitudes toward life. The longer I live the more convinced I become that life is 10 percent what happens to us and 90 percent how we respond to it."

Charles Swindoll
Pastor and Author

Your Unique Values Regarding Wealth Are Important

2010-01-25T18:22:00.000-08:00

The people in my life are gems. They are treasures and precious jewels. I am so grateful for their love, kindness, and support. I cherish the wonderful qualities of the people in my life. I notice and appreciate their unique attributes, just as I do mine.

I love being able to manage and spend my money the way I want to. I am thrilled that I am in harmony with the important people in my life. Together, we make terrific decisions about how we are to use our mutual riches.