For all your Primerica fanatics out there such as myself, you have to accept the fact that the Primerica opportunity is not for everyone. However, everyone who is legally able to work is given a chance to try this business out. If the business didn't work out for the person who joined Primerica, its not because of the company. Its the person himself or herself who made themselves fail. The Primerica's business model works and there's thousands of successful people in Primerica who can back that up. There are many possible reasons why a person would choose to fail in Primerica and I'm going to list some of them:
1) They heard Primerica is a scam and they believed it. Even though they saw the company overview or the opportunity meeting, they go home and tell everyone about it in their own words. Guess what their friends or family are going to hear: "Primerica = life insurance = something FNA = $99 to join." OR they do "research" online and see several forums or blogs saying that Primerica is a scam. Forums or blogs have no true credibility behind them and if you wrote a paper about Primerica and you listed these websites as your reference, your professor will either give you a "F" or make you get better references. I don't even you recommend you listing my blog as a reference, even though I'm a Primerica representative.
2) Their friends and/or family members say they can't do it and so, they make themselves believe they can't do this business. I believe everyone can do this business if they are given the chance. When I started, I was the shy and quiet type. I thought to myself there's no way I can talk to people. Now, you can't shut me up. If my new business associate says he or she can't do it, I would point out the facts. One, they don't have any experience. If you started a new job, were you confident enough to do your job correctly or were you nervous? My solution to this challenge is get the new associate out in the field and witness a presentation. Doing the presentation is simple and easy and once they see how its done, they could see themselves as being able to do it too. I felt confident after witnessing a few presentations done on various clients.
3) The upline didn't stay in frequent contact with their new business associate, so the business associate doesn't see value in this business and feels neglected. Communication is vital in this business. If my upline didn't stay in frequent contact in the beginning, I probably won't be in this business. Today, I'm calling my upline more than he calls me for advice on certain matters.
4) They fail the pre-licensing exam (PFSU) and/or the state exam and thought it was the end of their career. If you were applying for a job that requires a certain license and you fail to get it, you would be fired. In Primerica, this isn't a job. Its your business and it doesn't matter how many times you fail. Its the number of times you succeed that matters.
5) They want instant results, which is not even possible in the real world. Building a business requires patience and time. You can't build a city over night. You need to put effort into this business and have some people help you expand it. The work you put in now, results will come in 2 to 3 months.
6) They didn't go to weekly training. You can't succeed in this business if you don't go to weekly training. Thats like competing at an event and having no clue what to do. If you never played golf before and you never went to practice and you were competing against golf player who did practice, do you think you can actually win?
7) They weren't coachable. Only the person can change him or herself. If they don't want to listen or follow the system, there's nothing anyone can do about it.
8) They won't change themselves to make improvements in their life. There are people in this world who don't like change. They don't like to get out of their comfort zone to make their life better. If you want to improve yourself, you have to make certain sacrifices. For example, if you want to look fit and be healthy, you would go to the gym instead of watching TV. You would eat less junk food like potato chips and more healthy foods such as an apple.
In conclusion, not everyone is going to join Primerica. Everyone who did join Primerica, some of them are not going to stick around long enough to see success. Those who do stick around and continue to fight for their future will see success.
Tomorrow is election day in the United States. On my ballot, I see at least 10 people running for President. In America, every legal citizen of legal age (I believe the legal age is 35) can run for President. Not everyone is going to do it, but they are allow to do so as long as they meet the requirements to be the President. I'm not going to tell you who I'm going to vote for, but I'm going to vote for the person who can lead this country in the right direction.
Monday, November 3, 2008
Thursday, October 23, 2008
Secrets to staying thin
I was reading this article from MSN Health section and it talked about 10 Secrets of the Effortlessly Thin. I've been thin my whole life and some of it is true. Here are the 10 secrets:
1) They don't diet.
This is very true for me. Its not the amount of calories I intake, its the choice of food I eat. Base on several studies I read, most diet plans don't even work. Diet food is one big scam. Even though its less in calories than regular food, people tend to eat twice the amount of it. Since it says "Diet" on it, it makes people feel good to they think they on track to a healthier life style.
2) They keep track of their weight.
I do this about once a year because I'm curious. Year after year since high school, I still weigh the same.
3) They exercise regularly.
Ha! I haven't exercise since high school.
4) They don't solve problems with food.
What they mean by this is that people tend to eat when they are emotional such as being depressed, upset, or angry. I take perspective of problems that arise and figure out what I can do to make the situation better.
5) They stop eating when their full.
This is very true for me. While some people like to finish everything off their plate, I stop when I feel full. Plus, I don't like the feeling of being overly full or "stuffed."
6) They don't surround themselves with temptation.
Is your kitchen surrounded by lots of junk food? Mine isn't. There is some, but not a whole lot.
7) They allow themselves treats.
Mmm... I love chocolate and I do eat a couple pieces of it about 3-4 times a week.
8) They eat breakfast.
I eat breakfast every day, except Sunday. I usually sleep until 11AM on Sundays, which is basically near lunch time. The article state that 80% of successful weight losers eat breakfast every day and within 1 hour of waking up. Your metabolism doesn't start to kick in until you put food into your system.
9) They move, stand, and fidget more.
I never notice this, but realizing what I do every day, I do move and stand often. As for fidgeting, I don't I do that unless I'm nervous.
10) They don't skip meals.
I eat 3 meals a day (except for Sundays). Breakfast around 7AM. Lunch between 12PM to 1PM. Little snack around 5PM. Then dinner around 8PM-9PM. If you don't eat anything for more than 6 hours, you slow down your metabolism.
If you don't know what metabolism mean, it basically means that your body breaks down whatever you eat to create energy. Energy that is vital for your body to function properly.
1) They don't diet.
This is very true for me. Its not the amount of calories I intake, its the choice of food I eat. Base on several studies I read, most diet plans don't even work. Diet food is one big scam. Even though its less in calories than regular food, people tend to eat twice the amount of it. Since it says "Diet" on it, it makes people feel good to they think they on track to a healthier life style.
2) They keep track of their weight.
I do this about once a year because I'm curious. Year after year since high school, I still weigh the same.
3) They exercise regularly.
Ha! I haven't exercise since high school.
4) They don't solve problems with food.
What they mean by this is that people tend to eat when they are emotional such as being depressed, upset, or angry. I take perspective of problems that arise and figure out what I can do to make the situation better.
5) They stop eating when their full.
This is very true for me. While some people like to finish everything off their plate, I stop when I feel full. Plus, I don't like the feeling of being overly full or "stuffed."
6) They don't surround themselves with temptation.
Is your kitchen surrounded by lots of junk food? Mine isn't. There is some, but not a whole lot.
7) They allow themselves treats.
Mmm... I love chocolate and I do eat a couple pieces of it about 3-4 times a week.
8) They eat breakfast.
I eat breakfast every day, except Sunday. I usually sleep until 11AM on Sundays, which is basically near lunch time. The article state that 80% of successful weight losers eat breakfast every day and within 1 hour of waking up. Your metabolism doesn't start to kick in until you put food into your system.
9) They move, stand, and fidget more.
I never notice this, but realizing what I do every day, I do move and stand often. As for fidgeting, I don't I do that unless I'm nervous.
10) They don't skip meals.
I eat 3 meals a day (except for Sundays). Breakfast around 7AM. Lunch between 12PM to 1PM. Little snack around 5PM. Then dinner around 8PM-9PM. If you don't eat anything for more than 6 hours, you slow down your metabolism.
If you don't know what metabolism mean, it basically means that your body breaks down whatever you eat to create energy. Energy that is vital for your body to function properly.
Sunday, August 17, 2008
If you are traveling to a different country
Don't bring cash, but a credit card. If you do bring cash into a foreign country, make sure you exchange it. I was in Canada the other day and many stores undervalue the price of a US dollar. For example, a product in Canada may cost $2 in Canadian dollars, but if you pay with US dollar, it cost $2.10. I went to McDonalds in Canada with my family and total price in Canadian dollars was $9.56. I didn't have Canadian dollars with me, so I pay with $10 US and my new price was around $9.90. I got a Canadian dime (10 cents) back as my change.
During the week I stayed in Canada, the currency exchange rate was $1 US = $1.10 CAD. So one US dollar is worth $1.10 in Canada.
Anyway, I did use my credit card for many of my purchases. For example, on my receipt from Canada, it says $47.22 (CAD), but on my credit card statement, it says $45.71 (US). If I paid by cash, I would of paid around $50 (US).
During the week I stayed in Canada, the currency exchange rate was $1 US = $1.10 CAD. So one US dollar is worth $1.10 in Canada.
Anyway, I did use my credit card for many of my purchases. For example, on my receipt from Canada, it says $47.22 (CAD), but on my credit card statement, it says $45.71 (US). If I paid by cash, I would of paid around $50 (US).
Tuesday, July 15, 2008
Its the best time to invest
So you hearing bad news after bad news about the US economy and wondering where to put your money? You heard of IndyMac, the largest bank in California suddenly collapsing and went out of business. You think that your bank is going to do the same. Mortgage crisis is still looming and the housing market isn't that hot. Foreclosures are a common scene in America as more and more people are force to give up their homes because of bad mortgage lending. Oil prices are at an all time high, costing all goods and services to also go up.
Today, the DJIA fell below 11,000 points for the first time in over 2 years. What is an average person such as you and myself to do?
I'm no financial planner or investment advisor, but I would not let fear take control over my decisions. When prices of stock or shares of mutual funds are falling, what is the initial reaction for most people? They think "Oh my god! I'm losing money. I need to sell everything before it goes any lower and put it in the bank or under the mattress." By pulling out of the stock market, you are accepting loss. By not pulling out of the stock market, you are not accepting any losses. You will only realize your gains or losses when you actually sell your shares. Right now, the price per share or stock is low. What are your choices?
Well, this is what I would do. Though, I'm not hinting that you should do what I would do. I'm just saying this is what I would do in time of this crisis and my logical reasoning behind it
1) As a young investor and where retirement is 30 plus years away, I would continue to invest and to buy as many shares I can afford. I know that the stock market will worth more in 30 years than what it is today (base on the past history of the stock market in the past 50 years).
2) If I was a mature adult, say someone in the upper 30's to early 50's, I would still coninue to invest, but making sure my investments are diversified. I still have some time left to save money for retirement, so I wouldn't worry about the stock market conditions.
3) If I was retired, I wouldn't be investing at all. I would be withdrawing money from my investments. But I wouldn't withdraw too much during this time until the market is performing well. So I would watch my spending habits closely. After all, I don't want to outlive my money.
As any investment expert would say (again, I'm no investment expert. I just do what is logical), the best way to lower your risk to market exposure is to follow the 3 D's.
1) Diversify your investments. Don't put all your money into one company or one sector of the economy.
2) Be discipline. Don't let fear take over judgement and logical reasoning.
3) Dollar cost average. Invest on a monthly basis. This is a way to pay yourself first before paying others. By dollar cost averaging, you lower the cost per share you own over the long run.
Guess where I learn all this? From my own personal investment experience and through training at Primerica Financial Services.
Today, the DJIA fell below 11,000 points for the first time in over 2 years. What is an average person such as you and myself to do?
I'm no financial planner or investment advisor, but I would not let fear take control over my decisions. When prices of stock or shares of mutual funds are falling, what is the initial reaction for most people? They think "Oh my god! I'm losing money. I need to sell everything before it goes any lower and put it in the bank or under the mattress." By pulling out of the stock market, you are accepting loss. By not pulling out of the stock market, you are not accepting any losses. You will only realize your gains or losses when you actually sell your shares. Right now, the price per share or stock is low. What are your choices?
Well, this is what I would do. Though, I'm not hinting that you should do what I would do. I'm just saying this is what I would do in time of this crisis and my logical reasoning behind it
1) As a young investor and where retirement is 30 plus years away, I would continue to invest and to buy as many shares I can afford. I know that the stock market will worth more in 30 years than what it is today (base on the past history of the stock market in the past 50 years).
2) If I was a mature adult, say someone in the upper 30's to early 50's, I would still coninue to invest, but making sure my investments are diversified. I still have some time left to save money for retirement, so I wouldn't worry about the stock market conditions.
3) If I was retired, I wouldn't be investing at all. I would be withdrawing money from my investments. But I wouldn't withdraw too much during this time until the market is performing well. So I would watch my spending habits closely. After all, I don't want to outlive my money.
As any investment expert would say (again, I'm no investment expert. I just do what is logical), the best way to lower your risk to market exposure is to follow the 3 D's.
1) Diversify your investments. Don't put all your money into one company or one sector of the economy.
2) Be discipline. Don't let fear take over judgement and logical reasoning.
3) Dollar cost average. Invest on a monthly basis. This is a way to pay yourself first before paying others. By dollar cost averaging, you lower the cost per share you own over the long run.
Guess where I learn all this? From my own personal investment experience and through training at Primerica Financial Services.
Sunday, June 29, 2008
An old message from Art Williams
I got this message in my GoSolo from my RVP the other day and I thought this message was pretty interesting. It may sound retarded to some of you, but the main message is that winners do the things they say the are going to do until the task is done. Some of you say you are going to do something, but you never get to it. It could be as simple as saving for retirement, but you put it off day after day, year after year, and then you finally realize that you are going to retire broke. Are you a winner or a procrastinator? So here's the link to download the message: http://www.supload.com/sound_confirm.php?get=1150207308.wav
So just get to work and finish whatever tasks you say you are going to do.
So just get to work and finish whatever tasks you say you are going to do.
Monday, June 23, 2008
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