EXPOSES: con vs. America primerica, herbalife especially: PYRAMID FRAUDS AS OF 2017. DIMOCRATS COMMIT VOTER FRAUD AND VOTER IDENTIFICATION { ID } FRAUD! QUEER FAGGOT espn, FAGbook facebook HATES, DELETES ALL TRUTH!

EXPOSES

primerica – crimerica – crime vs. America – PIRATE vs. America:  

https://Nextaxpro.wordpress.com/2008/09/12/primerica-a-l-williams-is-fraudulent-pyramiding-it-is-very-very-evil-att-now-abominable

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NEWS MAFIA MURDEROUS CULT CONSISTENTLY ignores HEINOUS CRIMES COMMITTED BY SODOMITES!!!!   SODOMITES ARE CHILD MOLESTERS!!!!    EIGHT OUT OF 10 SERIAL MURDERS { OR HIGHER!!! } ARE COMMITTED BY OPEN OR CLOSET SODOMITES!!!!  

MEDIA REGULARLY IGNORES HEINOUS CRIMES BY SODOMITES!! SODOMITES ARE CHILD MOLESTERS!! 8 OF 10 SERIAL MURDERS ARE COMMITTED BY SODOMITES!!!  Media news mafia IGNORES brutal murders by homosexuals { SEX PERVERT, TOTALLY VILE SODOMTIES! }

Issue Date: March/April 2000 <!–Image goes here.–> Matthew Shepard has become a poster boy for the homosexual activists thanks to massiv…

FAGbook facebook is as criminal and abominable as leftist print, radio and wire media!!!   FAGbook took down my expose of sodomite, political espn!!!  I have lost it, but will find it again.   – Nextaxpro    🔥 

 QUEER FAGGOT espn will wind up in the Lake Which Burneth with Fire 🔥 and Brimstone, 🔥 Which is the second death!!    espn { Excrement Sodomite Putrefaction Nauseous } will appear naked before The LORD JESUS CHRIST and see an enormous expanse of FIRE!!  🔥 awaiting the owners  { Disney }, queer employees, faggots they interviewed, faggots they worshipped, and QUEER influence that has already damned many to the Lake of Fire  🔥 !!!   🔥!!!   🔥 !!!   🔥 !!! 🔥 

QUEER FAGGOT SEX PERVERT barnes & noble,

et cetera^ book owners, mis-management, public relations, some of the employees are ABOMINABLE!!!   I put a post exposing SODOMITE militant QUEER espn and then sex pervert SEX PERVERTS  fagbook racebook ugly face book sent me a message saying that my  { TRUTH!! } post was “offensive” and that my post had been removed!!!   THAT will look really well at The GREAT WHITE THRONE JUDGEMENT, maggot faggot  racebook { PERVERT book }!!!!    We will SEE how much nerve you have then, 🔥 when you QUAKE seeing an enormous 🔥Lake of Fire 🔥 awaiting you!!   THOMAS JEFFERSON, American, in 1779, ran for office on a platform stating that male sodomites will be castrated and a one-half inch hole is to be placed in the noses 👃 of female sodomites.   Thomas Jefferson won the election.  What courage do YOU reflect, SEXUAL PERVERSION FAGbook facebook?!  🔥 

ETERNAL SODOMITE PERVERT NAUSEOUS { espn } is in trouble:  Numbers 32:23.     Breaking:   bad news for { President } Trump hating { sodomite } liberal espn just announced { video } layoffs.

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Exposes of new age cults:  http://www.chick.com/m/search/m_searchresults.asp?cx=009415110773697567841%3A5hesymwyui4&cof=FORID%3A9&ie=ISO-8859-1&oe=ISO-8859-1&q=Seth&sa=Search

GRAND THEFT OBAMA { OBOLA:  OBOLA IMPORTED MANMADE EBOLA IN ORDER TO EXTERMINATE THE OVERWHELMING MAJORITY OF THE POPULACE!!!!! }.   BY THE LORD’S MERCY HE FAILED.   EVEN HIS ILLEGAL IMMIGRANT FRIENDS AND STOOL PIGEONS AND SITTING DUCKS WHO BLINDLY WORSHIP HIM;  WHO LUST CONTINUALLY FOR SOMETHING FOR NOTHING lost faith it it.  OBOLA IS A LUNATIC;    A COMMUNIST MUSLIM MADMAN WHO IS CALLED A DEVIL BY HIS OWN PEOPLE  {MULATTOES};    HITLER STALIN

THE LARGEST PIRACY OF UNITED STATES TAXPAYERS IN HISTORY.    ONE ASPECT HERE.   THE UNITED STATES HAS BECOME A THIRD WORLD  COUNTRY.   JOSEPH STALIN { Iosif Iosif Vissarionovich Dzhugashvili ~ original name } SAID:   “It is not who votes, but who counts the votes.”   The democrats { DEVIL RATS } have been hijacking the voting process at least since the Depression.    How else could  franklin delano roosevelt  { FDR }  be re-elected THREE TIMES ?!    American history PROVES that a president DOES NOT get re-elected if the economy goes sour.   Plus, OBOLA didn’t get elected any way.   The exposes of illegal aliens voting, more votes cast than citizens, dimocrats controlling many electon booths, et cetera^ prove this.   FDR’s policies were a PLANNED failure.   He knew communist policies ALWAYS FAIL.   He was just as dirty, deceived and cunning as any commie.   His polices did fail.   For a great, prolonged discussion of this, read Amity Schlaes books.   http://www.amityshlaes.com    Most of them deal with what really happened during the Great Depression.   To this day, democrats LIE and deceive the public.    They constantly idolize FDR.   I am reproducing the portion of Grand Theft obola along with the cross references {websites } to show a few of the ways voter fraud is being done.   obola was NOT NOT NOT elected and re-elected.   The elections were a fraud:

Voter Manipulation!!!  This article quoted ISO{?} for deep interest.  It is in addition to the dimocrats { devilrats } practice of devilrats “voting “in 4, 5, or 6 states;   Stuffing ballot boxes;  long since dead souls “voting”, illegal immigrants voting;   more ballots cast than voters in Detroit and doubtless many other cities.     Obama { obola ~  has imported a manmade disease from Africa labeled Ebola in a madman attempt to WIPE out the entire population of the Western Hemi-sphere!!!!   THAT includes all the illegal alien immigrants that he imported!!!   YOU could contract it from 500 miles away and the disease could kill upwards of three BILLION souls.   It is manmade.   We don’t know if the disease will “burn itself out” as previous diseases.   It could kill the entire world populace.  That won’t happen for those of us familiar with The Biblical Book of Revelation – A.V. 1611 }   and the Dimocrats  { DEVIL RATS } latest complaint { evil deception – Nextaxpro } is that voter ID laws suppress the vote.  The { eric } Holder  { INJUSTICE !!!  – Nextaxpro } Justice Department has turned that accusation into a legal assault against voter ID laws.  The charge is absurd on its face.  The reason that democrats { devil rats } don’t want voter ID laws is because they don’t want their various vote fraud schemes exposed.   We KNOW the DEVIL RATS engage in voter and voting fraud!!!!

But even if they had not stolen a single vote, DIM-o-crats have been using tax dollars to buy off entire voting blocs of Americans with trillions of dollars in benefits and created thousands of taxpayer funded nonprofits that are actually ground armies for leftist activism.  This has been going on for decades.  In 1961, Richard Cloward co-founded a welfare program that became the model for lbj’s “War on Poverty,” {1} which birthed the Office of Economic Opportunity.   Conservative activist Howard Phillips ran OEO in 19– and-identified Cloward and Piven as OEO’s “ideological architects.”  He said OEO financed “10,000 organizations employing several hundred thousand people” to radically transform U.S. policy outside the political process.  DIMOCRATIC THIEVES { oops! }  “lawyer-politicians” justify the burgeoning welfare { COMMUNIST } state as reflecting compassion for the “poor and oppressed.”     Cloward and Piven were much more honest:  “If organizers can deliver millions of dollars in cash benefits to the ghetto masses, it seems reasonable to expect that the masses will deliver their loyalties to their benefactors.”

It worked.   In 1960, only 58 percent of black voters were democrats.   By 1968, 92 percent were democrats and only three percent were Republicans.

In 1932, FDR used this same kind of strategy to deliver democrat majorities in Congress for the next 60 years.  Cloward and Piven explained:

Although these [New Deal] measures were a {COMMUNIST  – Rocky } response to the imperative of economic crisis, the types of measures enacted were designed to secure [a] new democratic coalition.  { and turn the country in to a communist totalitarian absolute dictatorship WITHOUT CONGRESS OR THE AMERICAN PEOPLE EVEN BEING AWARE OF WHAT WAS HAPPENING!!

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Today, close to 50 percent of Americans pay no taxes, and lower income groups can obtain government benefits that provide the equivalent of up to 50,000/year, strongly encouraging welfare dependency.

Dimocrats don’t care.  It was Cloward and Piven’s explicit goal to create misery and strife sufficient to trigger a blazing revolution. As they reported in their “Weight of the Poor” article:

“Moreover, this kind of mass influence is cumulative because benefits are continuous. Once eligibility for basic food and rent grants is established, the drain on local resources persists indefinitely…”

The consequences of welfare state policies are evident everywhere. Consider the following statistics:    49% of Americans { and a lot of illegal aliens!!!!  – Nextaxpro } receive some kind of public assistance.    More people collect  ” means-tested benefits”  today (108.6 million) than there are full-time workers (101.7 million

1.2 million homeless children attend public school, up 72 percent since the recession began.   46.6 million people receive food stamps, the highest number in recorded history.   46.5 million Americans live in poverty.  This is the first time the poverty rate has remained at or above 15% three years running since 1965.   Median household income is 9% below what it was in 1999.

Witness the burned out, abandoned buildings staining our cities, especially Detroit. Think of the entrenched crime, drugs, prostitution, and abandoned children that are the face of inner city ghettos, and reflect on Cloward and Piven’s enthusiasm that “the drain on local resources persists indefinitely…” In Detroit, the response of the Obama administration has been to pour more federal money, an estimated $300 million, into the city, in part to demolish public housing originally constructed with federal funds, and then to construct more.

Incredibly, Bill de Blasio, poised to become New York City’s new Dimocratic mayor on November 5, says, “The federal government must get back in the affordable housing business, and the federal government must get back in the mass transit business and infrastructure business.”

On top of failure after failure, this obala-backed Democrat wants more of the same. He might as well be a spokesman for the Democratic Party as a whole. Perhaps that will be his role in the years ahead.

Obama { OBOLA } and the dimocrats are now feverishly working to inflate this roster of the needy by pushing through amnesty for illegal aliens, officially numbering 11 million,  but probably more like { 72 million souls – Nextaxpro }.  Congress is currently debating this plan, with some Republicans, such as John McCain, willing to accommodate Obama’s scheme, in the name of “comprehensive immigration reform.”

Spending is THE Problem

The ARRA is the largest single Keynesian { KEYNES WAS A COMMUNIST!!! } stimulus program since the 1930s.  And that wasn’t all.  There was the $100 billion auto bailout, endless unemployment benefit extensions and the $26 billion teacher bailout.  Obama { obola } proposed an additional $447 billion “jobs” bill in 2011, which, fortunately, never passed.  { There is no such thing as a “jobs” bill.  See my Categories:  Economics and Economics 101 202 303.

As the unemployment analysis showed, these programs do not help;  they merely transfer dollars from the private market to government Chart: Government spending will continue to increase substantially in the coming years. This is a deliberate effort by Obama, who learned from Cloward and Piven how to collapse an economy. The strategy has moved from the local to the national. It will have global repercussions.   This was originally published at Accuracy in Media 1] Matthew Vadum, Subversion Inc.: How Obama’s ACORN Red Shirts are Still Terrorizing and Ripping Off American Taxpayers, WND Books, (New York, 2011), p. 7 2] Ibid, p. 79  The IRS can look at my life via the tax return, communication with fema, batf, occ,fbi, nsa, osha, epa, et cetera^.   I cannot even see the report cards of my children and my grandchildren;   the courses they were brainwashed with in public school;   the secret records kept of my children by the nea { anti-American, international “education” gestapo}.    They are being taught “family planning” { nice word for abortion, THAT IS, mass murder }, “domestic techniques” { what are the teachers being told they must extort from my children and grandchildren in terms of parents beliefs }, “values clarification” { being taught that evil is good and good is evil,  that is, confusion of values and attempting to sear the consciences of children }, “social studies”  { it is not history any more;   it is brainwashing;  propaganda;  preparing them to accept a world government! };   social studies attempts to rid the children of the values and morality instilled in them by their parents!     These school superintendents and shrinks and socialist wreckers are abominable, criminal sex perverts!   They are child molesters and some have been proven to be openly so!! The overwhelming majority are sodomites or sodomite sympathizers and they puttheir sex pervert, evil, criminal ideas in to the curricula!!!!     nea perverts pretendthat they are parents of my children and grandchildren!    THAT’S HITLER YOUTH!!!!   THERE IS NO DIFFERENCE!!!!    Shrinks, public schools, institutions of depravity  { “higher learning” },  hellyweird, depraved judges and the communist sodomite press pretend that parents don’t have the right to raise their own children.     nea, aft, fairy teacher’s coalition, american bar to Heaven association, aclu, PBS, NPR don’t want parents to see the books the children are required to read!!     Our Constitution of the Sovereign Republic of the United States of America gives our children the right to hear, read the King James Bible and pray within thepublic schools.    Tyrannical communists have usurped this right and gotten awaywith it for fifty plus years!!!!    You know what Thomas Jefferson said:   any government that violates our Constitution and our rights is to be removed.   Why are we sleeping?

“Credit reporting agencies” and banks and other predator mafia abominables HAVE NO RIGHT to ask for your social insecurity number!   Executive order 9397, Nov 22, 1943. – Nextaxpro

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CULTS! 

EXPOSES CONTINUED:   PRIMERICA PYRAMID SCHEME, that is, CON AMERICA, PIRATE VS. AMERICA

PRIMERICA – A.L. WILLIAMS IS FRAUDULENT PYRAMIDING.  IT IS VERY, VERY EVIL
Posted on September 12, 2008 by  Nextaxpro  UPDATED since 2008.  con VS. America is NO LONGER worth 500 billion.    May be half  that.  And citigroup is trying to divest crime to America.    con to America is dragging  citigroup down.
Before we expose pyramiding, I will show you sodomy in action,  what sodomites really think about and what they do.    This is NOT what the press, pbs, npr, radical nbc section news, abc, nbc, cbs, washington compost, ny slimes and the hrc want you to see.   This was after California Proposition 13 passed on November 5, 2008:  http://www.wnd.com/index.php?fa=PAGE.view&pageId=80220      Also, my Home Page.     I hope that goes without saying.

www.Jesus-is-Savior.com         http://www.biblebelievers.com    www.repentamerica.com

http://search.myway.com/search/GGmain.jhtml?ct=ARS&n=782b42f6&p2=%5EY6%5Exdm459%5ETTAB02%5Eus&pg=GGmain&pn=1&ptb=E4F27C2C-22B8-4811-ADA7-123F40555B94&qs=&si=&ss=sub&st=tab&trs=wtt&searchfor=Binge+Led+to+Death+of+Herbalife+Founder&feedurl=ars%252Ffeedback%253ForiginalQuery%253Dfounder%252Bof%252Bherbalife%2526relatedQuery%253Dbinge%252Bled%252Bto%252Bdeath%252Bof%252Bherbalife%252Bfounder&tpr=jre10&ots=1480510142232

OK.  NOW WE WILL MOVE TO FRAUDS:  

Definition of PYRAMID.   THAT’S WHAT CON TO AMERICA IS:   A PYRAMID SCHEME!!

CHAIN LETTER SCHEME:   

LET’S MAKE IT SIMPLE  for those who do not read have time to read all of this expose for the present.   Would you work in the following scenario?    You go to work in an office after being told “you really fit this position.   And it will be easy work, you will have lots of time with your family and you will make a tremendous amount of money”.  
Firstly, you are told you will NOT be paid until you obtain a license.  You say “nothing was said that you have to have a license to work here.  And, you already have my SS number“.     Well, you were finally told AFTER the sleazy one got you all excited about making 50000, 200000 or even more { less than .005  do }.
Secondly, you must “recruit” other workers so you can be paid.  “What?    What if I get five;  they all get five;   they get five?   Where will all these workers fit?  There’s very limited space.”   You only hear:  you must RECRUIT, RECRUIT, RECRUIT.    After only 14 levels, you’ve arrived at MORE THAN THE ENTIRE WORLD POPULACE.    amway tells you to get 6.   If every one recruits 6, you have more than the entire population of the earth in only 11 levels.    And some claim that THIS IS NOT A PYRAMID SCHEME!!!!!      People do have a time of it, don’t they?    You see, the only Thing in this life is THE LORD JESUS CHRIST AND HIS SAVING GRACE.     I am discovering more and more that everything conceived by mankind is fraud.     And goes especially for death insurance.   It is not “life” insurance.     It is death insurance.    If you are foolish enough to buy,  you are saying that you are going to die.     The death insurance company, or conglomerate that sells, among other things, death insurance, is betting that you are not going to die.
Thirdly, AFTER you pay out of your own pocket for this license, you cannot earn money yet.    “Why am I not allowed?!    That’s not fair.  You said I can collect commissions and recruit after I pay for this license, pay for the preparation, pay the fee and pay all of my expenses to get it.  I’m having to go to the homeless shelter because I cannot meet my house payments” or “I cannot pay my rent”.   You hear a bunch of lies.  This is to cover up the fact that you are not allowed commissions for a while.   You see, your superiors {superiors?     NO ONE whom is dishonest is superior to I.  NO ONE.} – this upline – knows that you are going to hear the truth about con America.  You will become very discouraged, very, very quickly.  So your “superiors” have to hold something back to insure you remain in the trap that they have placed you in.
Fourthly, you are told {or may be NOT told and all the implications of that!} that YOU MUST HAVE $25 STOLEN FROM YOUR BANK ACCOUNT EVERY SINGLE MONTH!!!!!!  WHY??!   This is such a great opportunity and you are in a 10, 25, 50, 100, 200 or 500 billion dollar company, depending upon how large of a lie your so-called superior told to you.   You haven’t seen a check for well over a month now, but you have to allow conAmerica to STEAL – that’s precisely what it is – from you.   And they do not tell you up front.  This means that you will be clubbed for $25 to Lord knows how much, depending upon how many checks you wrote that bounced as a result, how dishonest your bank is and the fee your bank charges per returned check presented.  And, many have been reporting that crime against America STEALS STEALS STEALS from your bank or credit union and you have to CANCEL your card and get a new 13 digit account number AND,16 digit credit card # !      Don’t believe?    You will soon.    facebook and facebook users have NO WAY of obtaining my current telephone # or cell #.    Yet somebody did.    Therefore, you MUST CHANGE BOTH to avoid CRIME AMERICA from STEALING all that you have from your bank accounts and probably your spouse’s account(s)!
Fifthly, you are NOT vested in any profit sharing plan after one year of employment in this supposed 500 billion dollar corporation.   This angers me even today.  All those hours;  hard work and research and NOTHING comes from A.L. Williams,now con America.   No profit sharing;  no retirement;  no pension – nyet, nada, ziltch!
Sixth, you are provided with NO life and health insurance after two or three months of employ, not even one with a large deductible.   You are told that you MUST buy an insurance policy with this “500 billion dollar” company!!!  You must buy this policy as an EXAMPLE to all of your prospects, even though you supposedly have this secure job in an office where you are supposed to be making this huge salary and not have to waste $80 in gasoline per day trying to sway prospects and lying to potential recruits to get this down-line!!    You do the “hiring” for your superiors and they don’t have to go to the expense of finding good help.    But even though it’s their fault, YOU still get the blame if your down-line doesn’t sell.    And, in addition to that, it’s not even the cheapest of policies!!   Matter of fact, when you compare to other companies, you find that you are paying one of the highest rates!!   And you are forbidden from doing business with any other company!    Further, you receive no discounts!!!   You pay retail in this $3 to 400 billion company that should be insuring you and your family in gratitude for your putting in 80, 90, 110 hours/week worth of work attempting to get more “recruits” for the company!!   Worse, you may already have a whole life policy that you are trapped in.    It does not matter.   You are told you MUST buy a policy with con America to make a good impression on all those customers you are supposedly going to convince to come on the  crime to America merry-go-round.   No lead sheets from a professional marketing firm nor anything a quarter of the way convincing is presented proving that you will have good possibility leads.
Seventh, you can be demoted by your superior for any reason, including no reason.   Your commission levels would be reduced, also.
Eighth, when you become sick and tired of being treated unfairly, you have NO RECOURSE.      You cannot go to the Department of Labor for redress!    IT IS IS IS IS IS IS IS IS IS A PYRAMID, NOT a real corporation, “C” corporation, “S” corporation, partnership,  sole proprietorship, LLC, co-operative or tax deferred entity!
Ninth, the commissions you make in this “office” can be taken away from you.   If your purchasers find that your prices are too high, they change their mind, your company decides not to sell to a “sold” customer, a death in the family and a different CEO takes over – any of these things can cause you to have to take a “chargeback” – which means you have to give your commission and overrides back!!       WHAT PIRACY!!!    In other words, you have to send a 1040, 1040-A or 1040-ES to the irs  { if you know what is good for you }.     Then, when you get charged back, you try to explain to the irs “I sent in too much money to your agency”  {!!!!}     Try THAT with the irs!    I wish you love.     CHARGEBACKS goof you up!!     Does crime against America compensate you for your trouble and woe??      We don’t think so.     If you apologists claim they do,  SUPPLY PROOF!!    You are walking, then gaiting, then RUNNING, faster and faster just to fall farther and farther behind.  You are TRIPLY whammed!      In a real company, you get paid and your company refunds the money to unhappy customers.     At this company, you not only do not get paid, and, when you make a commission,    YOU and NOT your company, have to refund to a customer when the customer does not pay, et cetera^.     YOU did not receive your entitled commission when you were paid because you were skimmed to pay an up-line, just like herbalife and all the others.     But when you have to take a chargeback, YOU pay the entire chargeback!!    A triple blow!!!    And, I once knew an owner who had a franchise.   The fee was 4%.  Top that, con America!   The apologists LIE when they say conAmerica is a franchise.   That cannot be.    In a franchise – not a 7-11 ripoff –  when you or the corporation terminate the franchise,   there A  FAIR EVALUATION of the GOOD WILL and INCREASE IN BUSINESS TRAFFICK, GROSS SALES, NET SALES done by you  AND profits realized by your efforts.     AND, you are reimbursed for your efforts, research and rapport with the public.      Does that happen with conAmerica?     This was NEVER explained to me when I was slaving for A.L. Williams.    Nor was it ever explained to ANY FRANCHISOR by the then owners of Southland Corporation, now owned by 7 -Eleven.   When I was with A.L. Williams, I received NO SUCH COMPENSATION and had my license taken from me, EVEN THOUGH THE LICENSE CAME FROM THE SCC,  NOT conAmerica!
Tenth, you begin hearing that the prices of your companies product lines are too high.  You do not believe it because you were told that we were the lowest.  That’s why you came to work for this glorious company.    You begin doing your research in independent journals, trade journals, online, and so on and you find that ALL of your products are over-priced.   Your con America company cannot compete!    Not only that, you discover that your product line does not have the variety that your competitors have.  Further, your line has some terrible products.    WOULD YOU GO TO WORK FOR A COMPANY LIKE THIS?   READ ON.   THIS IS THE WAY IT WAS AT A.L. WILLIAMS, inc, AND STILL IS AT conAMERICA!

“This is a deadly business model in which you are doomed to fail,” says Robert Fitzpatrick, president of Pyramid Scheme Alert, an Internet-based watchdog group located in Charlotte, North Carolina.  “There’s a ninety-nine percent loss rate” —meaning the vast majority of people who start MLM businesses end up losing money.  You’d have a better chance betting your life savings on a game of blackjack in Vegas than you would putting it all into a multi-level marketing home business.” {Oooch!!!!  That hurts!!!!!}
PRIMERICA MILICO CITIGROUP A.L. WILLIAMS – MAKE RESTITUTION  PRIMERICA PYRAMID BOILER ROOM HAS BEEN DUMPED BY CITIGROUP.    a.l. williams RVPs wanted me to buy a policy!    WHAT!!  CUCKOO! CUCKOO!    When I go to work for a company, I get their product for free or at employee discount rates, especially when I become a regional vice or dreamingly, a  senior vice president!!!    By the way, if conAmerica is TRULY a franchise, do you get a policy and riders for free???    You dig???    You say con vs. America is the same as any other company.   Then why am I a customer?!    If I’m an independent contractor;   if I want loyalty;  you are going to give me something.     And that’s not all.    Your company said I couldn’t sell on the first visit.  a.l. williams gave orders and had control as to how the work was to be carried out.  Hence, I was an employee.    Where’s my workers compensation coverage, health insurance, extra social security in my account, vacation pay, sick leave pay, severance pay, ESOP,  et cetera^  if I am indeed an independent contractor??    How much was the stock bought for/share when the two corporations that merged to be called Primerica bought a.l. williams?    What’s the big deal if a potential customer asks if I have a policy myself?      You are going to give me a policy.   I’m an employee.   Of course I have  a policy.   You gave it to me.    If you don’t, you are trying to make me BUY a policy.    You know you are nothing by a lying con man, lowdown, double crossing, slick tongued unscrupulous huckster.    When I go to work for an insurance company, I get the policy for  free.    Buy an overpriced policy to help National Sales Directors and Senior National Sales Directors and regional vice presidents??    What deception!     What dishonesty!    

http://www.sec.gov/cgi-bin/txt-srch-sec?text=Primerica&mode=&start=&count=§ion=Litigation&sort=rank

If you just do a goggle or Yahoo search on ‘Primerica fraud’ you will get hundreds of hits explaining lawsuits, crime to America’s deceptive tactics and testimonials of people defrauded.    A testimonial or two follows.   Many more on my exposes of pirate vs. America:

“Most concerning of all though is that members of crime to America during company’s presentations and speeches yell out ‘Amen’ and ‘Hallelujah’ (my husband admitted hearing this too) and insist upon Primerica being a ‘Christian’ organization.”    { An agent with  a.l. williams told me that many reps are pastors.    It’s easy to believe you need “supplemental income” when you are not trusting The LORD for your support – Nextaxpro }.      The average commissions for a Primerica agent is 200.00 and the average commission  BECOMES A NEGATIVE as only 0.5 to 0.75%  of the RVPs,  and SRVPs make 7 figure commissions and overrides { and possible kickbacks from chargebacks on their reps!!}.    IF it’s not a pyramid scheme, why do 99.5% {1500% more realistically;  see above} or more of the reps who try “multi-level marketing” wind up with a DEFICIT after you figure expenses for the program?!    Would you continue working for a corporation wherewith you had to pay fees and month after month after month earned no money and was not paid anything??!!?    Any company that pays only sales commissions without binding promises of base pay, profit sharing, preferred stock, stock, warrants, health coverage – some future reward for work performed – is a slave master.   An honest day’s pay for an honest day’s work.    Be up front.   Sam Walton, Donald Trump, senior, Ray Kroc, Ronald Reagan were.   They asked their friends and willing workers to accept shares of stock.   Those who did not want his promises could walk away.    CRIME AGAINST AMERICA pressures you to stay, with threats of no refund of your $199.00 (or more) and the usury regarding the loans.   A.G. Carnegie, J.P. Getty, Donald Trump, senior, Donald Trump, junior, Ronald Reagan backed up their promises.   They did not spew out fairy tales of riches.   They backed their promises up.    That’s what  a.l. williams, weill, needed to do and did not.  That’s what conAmerica needs to do and has not.   One wonders why ripoff report would stoop so low to defend something that they KNOW KNOW KNOW is immoral, illegal and a nefarious pyramid scheme, not to mention all the documentation that is still on ripoff report, but pasted over.   Ripoff report won’t publish any more exposes, but the documentation is still there despite what ripoff report sticks into  every single title in crime con America, Citigroup, Milico.

PRIMERICA – A.L. WILLIAMS IS FRAUDULENT PYRAMIDING.    THESE PYRAMID CON MEN AND WOMEN ARE VERY EVIL.
Posted on September 12, 2008 by  Nextaxpro
UPDATED:     Before we expose pyramiding, I will show you sodomy in action;  what sodomites really think about and what they do.   This is NOT what the press, newsweek, time {slime}, radical Nation broadcasting of communism {nbc},  American broadcasting of communism {abc},  Menace Scurrilous national broadcasting of communism {msnbc},  communist broadcast of scumslime { cbs },  washington compost, new york slimes, npr “news”, public broadcasting of sewage {pbs} and the homo-pervert rights compost {hrc}  want you to see.  
www.Jesus-is-Savior.com        http://www.officialstreetpreachers.com        http://www.repentamerica.com          www.Christ-Jesus-is-Savior.com          www.Jesus-is-Lord.com             http://www.truthaboutsodomites.com            http://www.godhatesfags.com             www.Jesus-Christ.us          http://www.biblebelievers.com      WWW.OFFICIALSTREETPREACHERS.COM/RubensDesk/FANTASY%20FEST.htm      http://www.deeptruths.com/treasures/doom-sodomites.html   http://www.abidingtruth.com/pfrc/books/pinkswastika
http://www.dr.judithreisman.com      http://www.worldnetdaily.com

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OK.  NOW WE WILL MOVE TO FRAUDS:   LET’S MAKE IT SIMPLE  for those who do not read have time to read all of this expose for the present.  Would you work in the following scenario?   You go to work in an office after being told “you really fit this position.  And it will be easy work, you will have lots of time with your family and you will make a tremendous amount of money”.
Firstly, you are told you will NOT be paid until you obtain a license.  You say “nothing was said that you have to have a license to work here.  And, you already have my SS number”.  Well, you were finally told AFTER the sleazy one got you all excited about making 50000, 100000 or even more{less than .005 do}.
Secondly, you must “recruit” other workers so you can be paid.  “What?  What if I get five;  they all get five;  they get five?  Where will all these workers fit?  There’s very limited space.”   You only hear:  you must recruit, recruit, recruit.
Thirdly, AFTER you pay out of your own pocket for this license, you cannot earn money yet.  “Why am I not allowed?!   That’s not fair.  You said I can collect commissions and recruit after I pay for this license, pay for the preparation, pay the fee and pay all of my expenses to get it.   You are having to go to the homeless shelter because you cannot meet your house payments” or “YOU cannot pay YOUR rent”.    You hear a bunch of lies.   This is to cover up the fact that you are not allowed commissions for a while.    You see, your superiors {superiors?  NO ONE whom is dishonest is superior to YOU OR I.   NO ONE. } –  this “up-line” –  knows that you are going to hear the truth about CRIME done to America.   You will become very discouraged, very, very quickly.   So your “superiors” have to hold something back to insure you remain in the trap that they have placed you in.
Fourthly, you are told {or may be NOT told and all the implications of that!} that YOU MUST HAVE $25 { sometimes 29.50 }  STOLEN FROM YOUR BANK ACCOUNT EVERY SINGLE MONTH!!!!   WHY??!     This is such a great opportunity and you are in a 10, 25, 50, 100, 200 or 500 billion dollar company, depending upon how large of a lie your so-called superior told to you.   You haven’t seen a check for well over a month now, but you have to allow Primerica to STEAL – that’s precisely what it is – from you.   And they do not tell you up front.  This means that you will be clubbed for $25 to Lord knows how much, depending upon how many checks you wrote that bounced as a result, how dishonest your bank is and the fee your bank charges per returned check presented.
Fifthly, you are NOT vested in any profit sharing plan after one year of employment in this supposed 500 billion dollar corporation.
Sixthly, you are provided with NO life and health insurance after two or three months of employ, not even one with a large deductible.  You are told that you MUST buy an insurance policy with this 500 billion dollar company!!!    You must buy this policy as an EXAMPLE to all of your prospects, even though you supposedly have this secure job in an office where you are supposed to be making this huge salary and not have to waste $80 in gasoline per day trying to sway prospects and lying to potential recruits to get this down-line!!   You do the “hiring” for your superiors and they don’t have to go to the expense of finding good help.   But even though it’s their fault, YOU still get the blame if your down-line doesn’t sell.  And, in addition to that, it’s not even the cheapest of policies!!    Matter of fact, when you compare to other companies, you find that you are paying one of the highest rates!!  And you are forbidden from doing business with any other company!   Further, you receive no discounts!!!  You pay retail in this $500 billion company that should be insuring you and your family in gratitude for your putting in 80, 90, 100 hours/week worth of work attempting to get more “recruits” for the company!!  Worse, you may already have a whole life policy that you are trapped in.  It does not matter.  You are told you MUST buy a policy with Primerica to make a good impression on all those customers you are supposedly going to convince to come on the con America merry-go-round.  No lead sheets from a professional marketing firm nor anything a quarter of the way convincing is presented proving that you will have good possibility leads.
Seventh, you can be demoted by your superior for any reason, including no reason.   Your commission levels would be reduced, also.
Eighth, when you become sick and tired of being treated unfairly, you have NO RECOURSE.  You cannot go to the Department of Labor for redress!    IT IS IS IS IS IS IS IS IS IS A PYRAMID, NOT a real corporation, C corporation, S corporation, sole proprietorship, LLC, co-operative or tax deferred entity!
Ninth, the commissions you make in this “office” can be taken away from you!!    If your purchasers find that your prices are too high, they change their mind, your company decides not to sell to a “sold” customer, a death in the family and a different CEO takes over – any of these things can cause you to have to take a “chargeback” – which means you have to give your commission and overrides back!!   You are walking, then gaiting, then RUNNING, faster and faster just to fall farther and farther behind.  You are TRIPLY whamed!   In a real company, you get paid and your company refunds the money to unhappy customers.    At this company, you not only do not get paid, and, when you make a commission, YOU and NOT your company – even though you are an employee;   you can be fired – have to refund to a customer when the customer does not pay, et cetera^.     YOU did not receive your entitled commission when you were paid because you were skimmed to pay an up-line, just like herbalife and all the others.    But when you have to take a chargeback, YOU pay the entire chargeback!!    A triple blow!!!     And, I once knew an owner who had a franchise.    The fee was 4%.  Top that, con America!   The apologists LIE when they say conAmerica is a franchise.     That cannot be.  In a franchise – not a 7-11 ripoff –  when you or the corporation terminate the franchise, there a fair evaluation of the good will and increase of the business done by you and you are reimbursed for your efforts, research and rapport with the public.   Does that happen with conAmerica?    When I was with  a.l. williams, I received NO SUCH COMPENSATION and had my license taken from me, EVEN THOUGH THE LICENSE CAME FROM THE SCC, NOT conAmerica!
Tenth, you begin hearing that the prices of your companies product lines are too high.  You do not believe it because you were told that we were the lowest.  That’s why you came to work for this glorious company.  You begin doing your research in independent journals, trade journals, online, and so on and you find that ALL of your products are over-priced.  Your company cannot compete.  Not only that, you discover that your product line does not have the variety that your competitors have.  Further, your line has some terrible products.   WOULD YOU GO TO WORK FOR A COMPANY LIKE THIS?   READ ON.   THIS IS THE WAY IT WAS AT A.L. WILLIAMS, INC AND STILL IS AT conAMERICA!

Eleventh,  you CANNOT SUE CON AMERICA IF YOUR RETIREMENT PLAN  LOSES MONEY, DOESN’T GAIN NEARLY AS WELL AS OTHER PLANS AND WHEN THE “MAINTENANCE FEES” ARE EXCESSIVE { which is always AND STILL IS THAT WAY!!!! }

Twelfth, what about profit sharing or some retirement plan???   ANY retirement plan!   Last I’ve heard from reliable sources, pirate vs. America has concocted an annuity that pays a horribly low percentage of interest and crime vs. America GENERALLY BREAKS THEIR PROMISES TO PAY!!!    Crime vs. America MUST be indicted, tried, and, if convicted – HANGED.

Thirteenth, it is a confidence man’s HOAX.   You are NOT paid based on your education, perception, talent, innovation or even very hard work.    I know a lady who is a dentist.    She makes $400,000 annually.   There are many engineers who make upwards of 300,000 per year.    The lady specialist surgeon who surgically repaired mine eyes probably makes over one million now.     Am not supposed to be seeing any better than 20/200.    Am seeing 20/30.   I know a stockbroker who makes between 200,000 to 350,000 in commissions every year.   And these ALL earn their pay, stipends and commissions, where applicable.   Confidence men don’t earn their money ~ face it.   They are supposed to, if convicted, get the death penalty.    They do in mainland China!   If you go with crime against America, YOU YOU YOU will learn this hard lesson.   It is an evil, evil, fraud infested world out there.   It is THE VILEST INSULT to base the amount of funds that you will make based upon how well you can deceive others!!!    But that is precisely what con America and the “multi-marketing” { pyramids! } firms are!   

I charge my clients and first time clients based upon how much I have to use my brain;  the fair way;  based upon my knowledge, experience and how hard I work.   I NEVER get paid and I NEVER WILL GET PAID based upon how well I lie to others.   That will never happen.    I was deceived by this crime when I was young.  This will NEVER occur again.    At any company that is not a pyramid fraud, you are paid BASED upon the aforementioned.   In the lies against America pyramid scheme, and any other con man trick, you are paid based upon what you can “recruit, recruit, recruit” and willingness to stay in the captive { slave -Rocky }  market!   For con America apologists to say that a confidence man, shark, pyramid scheme is a “verified trusted business” is CRIMINAL.   Forbes and warburg pincus would NEVER give a con man pyramid scheme an ” A+ star rating ” !!!    THAT is a cruel LIE LIE LIE!!!

13A:   If you start your own firm, YOU LOSE YOUR CAPTIVE DOWN-LINE!   The con men hatched out of the tongue of satan this boiler room extortion 39 or 40  years ago.  They make the money and it is off your down-line AND YOU!    a.l. williams and his buddies in fraud and the thugs who bought from him, then changed the name of the fraud to “primerica”  get the money.   THEY and their robber baron buddies make the money.   You will NOT make any money in this extortionist, mafia type scheme.   No matter how hard I worked, I made no money in this pyramid boiler room mirage deceit.    No matter how hard you work, you will NOT make money.    Half the world has been approached upwards of 10 times by those forced in to this swindling and attempting to hustle and swindle the public.    You cannot make money in this hellhole, any more than you would have a chance making money in wamway since the early 1960s.    Pyramiding is a BUNKO contrivance!

Fourteenth,  in defrauding, bilking, pyramid schemes, it is ALWAYS “fake it until you make it”.     Confidence man bilkers will tell you that in an attempt to blind you;  sway you in to working harder.    Old vehicles with cracked windshields, rusted undersides, door handles that do not work,  worn out windshield wipers, bald tires, and so on ad nauseum.

Fifteenth, a fee to use their website!!!!    WHAT!!!   Come on, shyster!!    Come on!!!!  “The IBA fee is $103.95 (including applicable sales taxes) and the monthly Primerica Online fee is $28.00.”   { PIRATE vs. AMERICA CHARGES MORE IF THE RVP OR SRVP THINKS YOU ARE STUPID.  – Rocky }

Sixteenth, con America now lends to their dupes!   AHEM!!   PSALM  5:5-6, 10, 15:5;   PROVERBS.    A lot in the Proverbs.  There is in a True Bible, the King James 1611.

Seventeenth, crime vs. America is coming up with more and devious thieveries!    One are those con America IRAs.   Think con America can be trusted?    IF YOU, BY SOME MIRACLE, GET A RETRUN ON YOUR MONEY AT ALL AND don’t have your money STOLEN, DO YOU HONESTLY THINK IN YOUR HEART THAT CRIME VS. AMERICA WILL KEEP THEIR PROMEISS AND PAY OFF??   CON AMERICA HAS FOUGHT OFF SEVERAL SEC INVESTIGATIONS AND MANY OF THE LAWSUITS AGAINST THEM.    I am presently studying how they LIE AND CON their customers and policy holders in to investments that do not pan out.   For the investments that do pan out, pirate vs. America is STEALING THEIR POLICY HOLDERS MONEYS THAT THE POLICY HOLDERS HAVE EARNING ON THEIR INVESTMENTS!!!    THE CAPITAL GAINS ARE DISAPPEARING!!   THAT IS PLENTY TERRIBLE ENOUGH, BUT NOW, PIRATE VS. AMERICA – AND THE WORLD – IS MAKING THEIR POLICY HOLDERS INVESTMENTS DISAPPEAR!!    THE POLICY HOLDERS ARE LOSING WHEN THEY SHOUD BE IN PLUS TERRITORY!!  RE ON THIS DEBAUCHERY IS COMING:   

Please see #19 and testimonials farther down that back this up.

Eighteenth, you are NOT getting the information that I am providing to you!    As an example, ripoffreport.com has many readers and many souls that DONATE to evil ripoff report magedson and his fellow mis-management deceivers and those who are FORCED to DECEIVE or else lose their jobs??  !   Do you honestly and sincerely THINK that con America is “HONEST and trustworthy”?!   Do you honestly believe that venal, venereal disease claptrap??    ripoff report is LYING to their readers!!!    con America is NOT a “verified trusted business”!!!!!!     And do not think that ripoff report does not know that!    ripoff report DOES KNOW that con America is A PYRAMID FRAUD THAT HAS  DESTROYED MANY SOULS!

Nineteenth,  srvps and rvps  LIE when they say “no renewals:   the buyer pays much lower from the second year the policy is in force onward”.   The con artists who ponied up this swipe KEEP THE MONEY!!!!   They do not report it to the IRS, either!     They WILL be caught.    Lawyers, – and 99.98 percent of them are crooked, lying, conniving THIEVES – do get caught.    Those bilking schemers with evil thoughts continually keep the money!    There is no record any where of any client paying a lower premium from the second year forward.    NONE of my clients paid less.    That goes for con America as well as a.l. williams.    SEE the testimonies under “Third in my Table of Contents

Twentieth, you must ask for a copy of the Independent Business Agreement { IBA } to your attorney.     con America apologists will say “that is bunkum –  silliness”.     Then you should say “you will therefore have no objection whatever to my lawyer looking the IBA over”.

Twenty-first, if I have a business, then open a 2nd, 3rd, 4th, 5th, 6th, 7th business and so on,  I do not say “recruit, recruit, recruit”.    If I open an income tax preparation business, I do not “recruit, recruit, recruit”  a “down line”  of helpers to do what my help can already do.   If I invent something and sell it, I do not “recruit, recruit, recruit” a “down line” to sell to more people.    I hire manufacturers to make the quota I need without having inventory lying around for years.    If my help wants volunteers to help THEM, I interview this “help”, then check them out.   I do not tell my present staff to “recruit, recruit, recruit”.    THAT IS ABSURD.    I hire the help I need and that is the end of it, same as any honest, legitimate, properly run company.    I can never afford to pay for more help than what I need, and this applies to any one who launches a business, including a. l. williams, milico, con America.   Therefore, if it doesn’t sound right – including con America, A VERY, VERY LOUD ALARM SHOULD BE GOING OFF IN YOUR HEAD.   It did when I was recruited by a.l. williams.   But I ignored the alarm and figured I would do well and not do the dumb “recruit, recruit, recruit” portion.     Thus,  IT IS NOW LUCIDLY CLEAR THAT THOSE “RECRUITED”  ARE VICTIMS;   SUCKER FISH;   FLEECED;  RAPED PEOPLE BY PREDATORS!    THEY NEVER ARE PAID,  except for the crumbs off the table of the wealthy con men who began the scheme.   It is NOT TOO DIFFICULT TO SEE NOW, is it?

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MORE under “primerica” in the  search engine in my Categories on my home page.     See the url above, please

“This is a deadly business model in which you are doomed to fail” ,  says Robert Fitzpatrick, president of Pyramid Scheme Alert, an Internet-based watchdog group located in Charlotte, North Carolina.  “There’s a ninety-nine percent loss rate” —meaning the vast majority of people who start MLM { PYRAMIDS – Nextaxpro } businesses end up losing money.  You’d have a better chance betting your life savings on a game of blackjack in Vegas than you would putting it all into a multi-level marketing home business.” {Oooch!!!!   That hurts!!!!!}
 a.l. williams RVPs wanted me to buy a policy!   WHAT!!  CUCKOO! CUCKOO!    When I go to work for a company, I get their product for free or at employee discount rates, especially when I become a regional vice or dreamingly, a  senior vice president!!!   By the way, if conAmerica is TRULY a franchise, do you get a policy and riders for free???    You dig???   You say conAmerica is the same as any other company.   Then why am I a customer?!   If I’m an independent contractor;   if you want loyalty;  you are going to give me something.   And that’s not all.   Your company said I couldn’t sell on the first visit.  That is so they can STEAL your leads and make the sale before you!    a.l. williams gave orders and had control as to how the work was to be carried out.   Hence, I was an employee.   Where’s my workers comp coverage, health insurance, extra social security in my account, vacation pay, sick leave pay, severance pay, ESOP, et cetera^?   How much was the stock bought for/share when the two corporations that merged to be called Primerica bought a.l. williams?  What’s the big deal if a potential customer asks if I have a policy myself?  You are going to give me a policy.  I’m an employee.   Of course I have  a policy.   You gave it to me.  If you don’t, you are trying to make me BUY a policy.   You know you are nothing by a lying con man, lowdown, double crossing, slick tongued unscrupulous huckster.   When I go to work for an insurance company, I get the policy for  free.   Buy an overpriced policy to help National Sales Directors and Senior National Sales Directors?   What deception!  What dishonesty!    http://www.sec.gov/cgi-bin/txt-srch-sec?text=Primerica&mode=&start=&count=§ion=Litigation&sort=rank
If you just do a goggle or Yahoo search on ‘Primerica fraud’ you will get hundreds of hits explaining lawsuits,  crime to America’s deceptive tactics and testimonials of people defrauded. Most concerning of all though is that members of Primerica during company’s presentations and speeches yell out ‘Amen’ and ‘Hallelujah’ (my husband admitted hearing this too) and insist upon Primerica being a ‘Christian’ organization.”  { an agent with a.l. williams told me that many reps are pastors.   It’s easy to believe you need “supplemental income” when you are not trusting The LORD for your supportconsult the Rock }.      The average commissions for a Primerica agent is 200.00 and the average commission  BECOMES A NEGATIVE as only 0.25 to 0.50%  of the RVPs,  and SRVPs make 7 figure commissions and overrides { and possible kickbacks from chargebacks on their reps!!}.  IF it’s not a pyramid scheme, why do 99.5% {1500% more realistically;  see above} or more of the reps who try “multi-level marketing” wind up with a DEFICIT after you figure expenses for the program?!    Would you continue working for a corporation wherewith you had to pay fees and month after month after month earned no money and was not paid anything??!!?   Any company that pays only sales commissions without binding promises of base pay, profit sharing, preferred stock, stock, warrants – some future reward for work performed – is a slave master.   An honest day’s pay for an honest day’s work.  Be up front.   Sam Walton was.   He asked the workers to accept shares of stock.  Those who did not want his promises could walk away.    con America pressures you to stay with threats of no refund of your $199 (or more) and the usury regarding the loans.  A.G. Carnegie, J.P. Getty backed up their promises.   They did not spew out fairy tales of riches.  They backed their promises up.  That’s what A L Williams needed to do and did not.  That’s what conAmerica needs to do and has not.  One wonders why ripoff report would stoop so low to defend something that they know is immoral, illegal and a nefarious pyramid scheme, not to mention all the documentation that is still on ripoff report.  Ripoff report won’t publish any more exposes, but the documentation is still there despite what Ripoff report sticks into virtually every single title in pirate vs. America, Citigroup, Milico.

And that’s not all.  No real company is shaped like a pyramid, as defenders ignorantly say. They only explanation for such statements is Why Johnny Can’t Read and exposes like that.   You would have to be coach potato, on video games, dope and rock noise to make such a pitifully ignorant statement as that. Here’s a picture of a typical business or corporation.   You already know it, unless you believe in sorcery, global warming and all the lies the press tells you hourly:
Proprietor
|
Laborers who see the inefficiency in the plant/office and know what’s going on.
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Secretary
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Courier-Errand boy
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Guy who reports directly to me, cracks the whip on those I cannot supervise directly
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Engineering
|
Advertising Executive  { you don’t absolutely HAVE to have the chiefs at the top and the Indians at the bottom, like the nitwit PIRATE VS. America apologists always say.   It’s a free country.   I’m a taxpayer.    I run my business the way I want.   It’s MY company.   a.l. williams, Inc, told me I had my own company.   I didn’t.   You poor souls at crime vs. America are finding the same lunatic scenario.    Think outside the box, remember?  Duh!!  Lot of hypocrites out there.    Practice what you preach.   Better to listen to Nextaxpro. }
   Find the pyramid.   Furthermore, remember that NOno partnership is shaped like a pyramid.    If your product is decent, and, if you run an honest business, and NOT an illegal, immoral pyramid, you’re not going to flood the search engines.   What are you afraid of???     Every single soul knows.    Darkness is always FEARFUL OF ALL LIGHT AND TRUTH AND HAS TO MAINTAIN DECEPTION.    To be demanded by  con America to pay for a background report made me laugh myself sick!    They want any sucker.   Any sucker will do!   Anybody can get on as an “independent contractor”!    What’s the background investigation for?!   What if I had bought the policy?    Would I have gotten my money back??    After 20 years, my premiums WOULD’VE SUDDENLY MORE THAN DOUBLED!!    THIS has been DOCUMENTED BY TESTIMONIALS!!!    Pirate vs. America NEVER tells the purchasers of the policies!!!    Supposedly,  a.l. williams is an open book.   You become so brainwashed you never question anything.     He never came to see any rep and he never called for meetings.  He can afford to pay the expenses.     Crime con fraud defraud America defenders will cease and desist now from defending this nefarious necromancer pyramid scheme.     And that’s precisely what multi-level marketing is.      Put your money where your mouth is.   Pay me my $15 million of the coming class action lawsuit, then defend your wicked, pyramid scheme that has impoverished me and millions of others!!!!    You would be put to death if you defended it in China.   wamway  { now sometimes called “quixtar”  } is NOT allowed to pyramid in China.    And you know it, and I know it.    http://www.sec.gov/cgi-bin/txt-srch-sec?text=Primerica&section=Entire+Website&sort=rank    
      “I believe that a long step toward public morality will have been taken when sins are called by their right names.”    –  Billy Sunday
HOW PROPHETIC with clapped up, urine drinking, child molesting sodomites being called “gay”.    Wrath of God Syndrome watered down to aids and hiv.  Sickening sin sick sex perverts being called “bi”, “transgender”, “crossdressers”.     Dykes called “lesbians”.     Your sex is labeled your “gender”.  “homophobe, homophobia”.     I’m not a “homophobe” afraid of man.    The fear of man bringeth a snare, but whoso putteth his trust in the LORD shall be safe.  Proverbs 29:25.     And, you guessed it, a nefarious, surreptitious, abominable, ugly, leeching pyramid boiler room scheme being called “multi-level marketing”.    It is NOT marketing!!!!!!     It is a shyster, con man, fraud, skimming, blood leeching, lowdown, varmit robbing YOU AND YOUR hard earned money and credit. – consult the Rock      

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Nearly ALL ot the search engines have PIRATE VS. America fraud shyster defenders up front and putting our websites farther down so we do not receive the hits.    Your input means everything.    Some of your have expertise and know computer engineers.     We can do something about these liars and deceivers whom want others to be deceived, hence defenders of  pyramid fraud   { it is not “multi-level marketing” or any other fancy dancy name the cons come up to conceal the horrific, CRIMINAL, ABOMINABLE, sickening, life stealing fraud } are directly responsible for not enlightening but for deceiving minds and impoverishing those that can least afford to be scammed and bled dry.. .     The FCC, the judges and our elected congressmen are a disgrace:  they do nothing.     It takes websites, tapes, DVDs, books, articles and newspapers which will print exposes to do something.      You all can type reviews in the yahoo yellow pages that permit a review of your local Primerica “services” office that attempted to recruit you and steal your hard earned money.   Some pages do not.   You all may know of other websites besides yahoo that permit.    Some search engines have picked up a few of mine.   The more we type online, the better.   -Consult the Rock    “I believe that a long step toward public morality will have been taken when sins are called by their right names.”  – Billy Sunday   

HORRIFYING!!  POLICYHOLDERS NOT GETTING THEIR INHERITANCES BECAUSE OF conAMERICA ABOMINATIONS!!    AGENT SEDUCES HUSBAND and many other atrocities!!  UNBELIEVABLE!!

THINK PRIMERICA AGENTS KNOW WHAT THEY ARE IN TO?     This entire post may be worthy of you printing out, lying side by side and examining.   It consists of PFS Truth, a very weak and very poor rebuttal by a Primerica apologist, then PFS truth blows the apologist to smithereens:       http://primerica.pissedconsumer.com/is-primerica-a-scam-you-be-the-judge-20080320115955.html

13.   Written by PFS Truth {later vtch786 because Primerica COMMIE KGB agents plagiarized his/her name and wrote lies pumping up con VS. America!!!!!!!}  , on 04-04-2008 18:14    Primericans are funny.    If any of you have children, have you ever watch {sic:  Rocky } them do something stupid. {?}   And you know it is stupid because you did the same thing before when you were their age.    And you tell them don’t do it because they will regret it.   And they don’t listen to you because “they know better”.    And so you watch them fall on their face and all you can say is “I told you so” and laugh.
You see {,} Primerica agents{,} I have been where you are,{sic} I was at Primerica for 3 years. And when I left I was the top producer in ALL categories in my state. So we can get these out the way:
{ NOTE:  THE FOLLOWING IS WRONG in one instance.     I’VE PROVED IT.    conAMERICA IS A PYRAMID.   THE PRESSURE IS TO RECRUIT, RECRUIT, RECRUIT.   YOU EARN VIA WHAT IS CALLED A “DOWN-LINE”,   LASSOOING more victims via “recruit, recruit”.      THIS IS EXACTLY WHAT A PYRAMID IS.      A PYRAMID IS EVEN WORSE THAN THE INSTITUION OF SLAVERY!!     SLAVES HAD A PLACE TO STAY, FOOD AND WATER.     WITH PYRAMIDS, YOU GET NOTHING!    IT IS EVEN WORSE WITH A.L. WILLIAMS,  NOW conAMERICA   crime to America!    YOU ARE ALLOWED NOTHING UNTIL YOU RECEIVE YOUR LICENSE, WHICH YOU PAY FOR.    THIS IS NOT TRUE WITH REAL COMPANIES THAT TRAIN YOU AND EVALUATE YOU TO MAKE SURE YOU HAVE POTENTIAL     – Nextaxpro }
1.   It is not a pyramid scheme  { don’t bet your soul  – Nextaxpro.  It’s “recruit, recruit, recruit!     You know it and I know it.  }
2.   I believe in working hard
3.    I don’t like Corporate America
Now I want you to take a hard look at the truth.  You ARE selling a scam. You may not know it, and I believe that most of you don’t.  The unfortunate thing is once I tell you this you will NEVER get that $100,000 Ring that you covet because the most of the people that join Primerica { conAmerica – Nextaxpro }  are good people that think they are doing the right thing and for the most part you are, but to get that Ring after knowing the information I am about to share with you, you will have to become a different person, {-} one that is more about making money rather then helping people. Once I found out this info, I refused to continue to sell that scam anymore and turned away from all the money I was making.
Here goes:  Let’s look products you sell to the client:
1.   Primerica is NOT the largest seller of Term Life Insurance … AIG is … look it up.     { probably Met or mass mutual or State Farm or Farmer’s -consult the Rock}
2.   It is way MORE expensive then most Term coverage outside of (State Farm and Allstate) … so if you are TRULY trying to save people money … why not find them the lowest instead of just what you have to offer.   { HA HA HA HA HA HA HA HA HA HA HA. AMEN TO THAT. – consult the Rock}     Remember you are trying to SAVE them money. Some Return of Premium Products are less expensive then Primerica Term. You are hurting your client.  After knowing that {, – Rocky } how can you still sell it. {sic:?}
3.  What would you do if your client is declined by Primerica.   Tell them they don’t deserve life insurance{,} then. You see this is what opened my eyes up, because my father was turned down by Primerica. Was I suppose{d} to tell him “Oh, well .. too bad”…. No, I did what any good son would do,{;} I started looking at other companies and found he could be covered with term insurance by them, for less then what Primerica was going to charge.
4.  Term is the right product for 95% of people (sorry not 100%), the problem is you only sell Term which is great but what do you do when you run across a person that is in the Top 5% … Also think about it … aren’t you trying to get all your clients and yourself to that Top 5% … what do you get when you are there?   { I am very sure Primerica goes vs. their word and sells some whole life.    In any event, most of their term packages are overpriced.   And term is ALWAYS RIGHT!   You don’t buy ‘ a cash building account when you buy health, fire, auto, flood, theft, carrier, auto rental, computer rental insurance, et cetera^  – Nextaxpro   }
5.  You are taught with your mortgages to say “Interest Rates do not matter” or “Ours are calculated differently”  { !!!! – Nextaxpro }.…. If it doesn’t matter then why not give them a competitive one.{?} I also dare you to put that in writing,{sic: period} Home Office Compliance would be down your throat quick because they know it is not true… so they don’t want it in writing.
6.  With your investments…. the market is down right now … am I suppose to sink money in an investment I know is going to go down right away …. That’s right{;} Primerica has annuities now … even though just a couple of years ago annuities were “evil”.
7.  A client’s money is sacred to them … why would they sink it into a company with so much negative press, it scares them …. Why do it …. When they can get the same thing for less with less negative remarks…. For all the agents who say that is just “some” agents that act like “that” …. They represent YOUR company and because the RVPs don’t care what type of people they are as long as they have $199 (now $99) {if 99 now, not for long. Plus, remember, Primerica pays for nothing, reimburses you for nothing, steals from your bank account $25/month { 28.95 NOW – Rock }  whether you have the money in your checking or savings or not. A very, very sneaky, unscrupulous outfit.  What pyramid isn’t? -consult the Rock} so the RVP can win the next contest.
But { sic:  Rocky } Most of you aren’t in Primerica because of the products, you are in it for the business. Because you think there is nothing is better then owning your Primerica business. It is definitely better then {sic} Corporate America{;} that is for sure. Here is where I look at you like teenage kids with your first beat up car speeding around town like you own a brand new Mercedes and I tell you to “slow down and think” .. you will either listen or will crash and I will say “I told you so”

SECOND NUMBERED GROUP IN THIS ESSAY

READ point # 17!!!     YOU ARE AN EMPLOYEE!!!    YOU DO NOT HAVE YOUR OWN BUSINESS!!!     CRIME AMERICA DEFENDERS { DEFRAUDERS }  CONSTANTLY LIE LIE LIE IN STATING “you didn’t work hard enough.”   “you were not willing to put in any effort.”  – Nextaxpro   

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https://nextaxpro.wordpress.com/2008/09/12/primerica-a-l-williams-is-fraudulent-pyramiding-it-is-very-very-evil-att-now-abominable

How many of you TRULY read and understood your IBA contract when you signed it? Let me go over some things before I enlighten about your IBA contract:
1.  How can you tell a new recruit that you can make a lot of money before you actually do it.{?}  Doesn’t that feel wrong to you?
2. The money you are spending for your IBA DOES NOT pay for your license {more fees than ever now -consult the Rock}… it pays for processing and your Licensing class …. Most states don’t require a class{.} {W} why does everyone have to pay for it. {?}
3.  Why can’t a new recruit go get your licenses BEFORE you sign your IBA?
4.  Why can’t new recruit{s} go see clients AFTER {BEFORE} you are fully licensed and then sign ALL transactions {ONCE YOU BECOME LICENSED}? I know why this is the case …. Most agents are not making money so they need to sign it to make money and they are afraid the recruit will quit.
5.  Why beat around the bush when saying the name Primerica ….. you are taught to say “Division of Citigroup” …. “Member of Citigroup” ….. “Largest Financial Services Distribution Hub” ….. “PFS” ….. anything but Primerica … it goes back to the bad rep .. and the fear that the new person will Google the name Primerica {.}   { And that is fact!  They were sure to check your a.l. williams business cards. You had to pay. They didn’t tell you that you just lost if the RVP does not approve the name you put on when you had the cards printed!  – consult the Rock }
6.  People who leave Primerica are not quitters or couldn’t make it at Primerica … people making six figures have left Primerica for better opportunities … you just don’t know they exist.
{ Ark ark ark ark ark ark ark ark ark ark.   More often, it is because of lazy, irresponsible rvps and svps who are reprehensible and won’t obtain a real job and earn their keep! -consult the Rock}
7.  You would NEVER be able to recruit a person who is already licensed and knows what questions to ask.  {This would be so hilarious but for the sad reality that there are so many, many victims of disreputable pyramid schemes. consult the Rock}
8.  Citigroup ( not in the best financial shape right now and has {omit “has”} Abu Dhabi is now the largest shareholder) is looking to sell Primerica …. FACT … check out the Wall Street Journal March 28th 2008 Section C … “Citigroup has a major retail presence in just a handful of major cities, including New York, Miami, Chicago and San Francisco.   Primerica “Financial Services”, which sells life insurance and mutual-fund products, is up for sale but isn’t attracting buyers, say people familiar with the matter.”
{The Primerica nut who “rebutted”  didn’t even know!!    I mean, SHE/HE (deborah, linda) DOES NOT EVEN KNOW that he is about to lose his policyholders, contests, AND leads.   Pitiful.   You primerica captive agents own nothing.   IT’S PROVEN IN POINT NUMBER 4 and 14, 17 BELOW.   – consult the Rock}
THE THIRD GROUP OF LISTED NUMBERS IN THIS ESSAY:     Now on to the IBA…. The moment you sign your IBA these things happen:

1.   You become a captive agent  { HORRIFYING!!!   bonnie floorman, a.l. williams didn’t inform me of an awful lot of things! } ….. not allowed to sell anything Primerica does not offer …. Hand cuffing you to fully help your client.
2.  You only have one company to work with {-} Citigroup…… why not allow you to use any company you want …. There are companies that do.  {Si’!  It’s called independent agents!}
3.  You have to give up a “leg” (your MOST productive team) to become an RVP …. Why not let them become an RVP AND keep their whole team ….. Other companies do it
4.  Hear me when I say this!!!! YOU DO NOT OWN YOUR BUSINESS!!!!!  Don’t believe me … ask your RVP {the following:}  if you move to a different company can you take your clients or team with you{?} ….. you will find out real{ly} quick{ly} … read your IBA it says it in your IBA .. your RVP owns your business … you do not own your business until you are a Senior Vice President AND have had 5 years of at least 3% growth {funny how Bonnie Gore the man forgot all about that} .… Until then your RVP owns your business … even after you become an RVP…… there are other companies that allow you to take your clients with you.
5.   I will preface this comment …. I am a huge believer in recruiting ….. I love recruiting and I am good at it …. BUT you should not have to be forced to recruit to be promoted … you should have the choice to work yourself or recruit and have the same opportunity … America is about choice.
6.  Your Securities (investment) commission is HORRIBLE….. there is NO WAY you could live on it alone .. add it up.
7.  You{r} IBA  { independent business arrangment.   See how DECEITFUL THESE DOUBLE CROSSING LOWLIFE ARE??   YOU are NOT an independent agent!!   YOU are an employee!!   Actually a victim  – consult the Rock } has a non-compete clause in it …. Which means try to leave for something better … see how nasty your old “friends” get.   {Oh ho ho ho h o ho h o ho ho !  He he he he he he he he he he he he.    Chuk chuk chuk chuk chuk chuk chuk!   It would be funny were it not funnysick– consult the Rock }
8.  You have to be full time to become RVP …. Do you forget some people like their job … pastors, teachers (I know the company was started by teachers … but you fail to realize A.L. Williams was a different company then {sic: than} Primerica) or anyone else that would like to keep their job.  {it was like that at A.L. Williams.  At least in some districts -consult the Rock}
9.   As an RVP you are required to get an office … again(,) I like having an office but some people do not want the overhead … why make them pay it?   {Why can’t con America pay?  They say they have so much money.  Why say you are a private firm that doesn’t need to issue stock, then talk out of both sides of your mouth and say “we are a part of Citigroup, a world renowned large corporation”?
10.  You can be “Rolled Back” which means lose the promotions that you have received and the commission levels at your RVPs discretion …. Not enough production, illness, or because your RVP wants to teach you a lesson.   {How do you like aspiring to be a RVP?   You know you are going to shaft your downline.  And you stay with such an evil boiler room.   You ought to be ashamed of yourself!  You ought to be exposing con America 19 hours a day.}
11.   Some people do not like the risk of the market …. You can not sell a fixed / index annuities …. Most of you don’t know what that is … don’t worry I didn’t either when I was there … trust me your hurting some of your clients by not having access to it.
12.   What happens when you have a recruit at your same commission level … you 2 are at the same level ( sic: ;  – Nextaxpro ) you get no override …. Doesn’t that make you want to keep people below you {HERE, it means keeping new recruits from moving up  – consult the Rock} … not push them up…..Some companies will still reward you even when you are at the same level
13.   A brand new person starts at 25% ……. They can do all the work (and you know as well as I do … getting a warm referral is most the work … so don’t tell me because you did a flip chart presentation you did most the work) a nd they only get 25% ….. the RVP get 95% …. So the RVP get 70% of something … they may not have been there for….. doesn’t sound fair … I thought Primerica did what was right “100% of the time” {!!!!  And at the end, conAmerica STEALS your rvp money and position and gives it to one of their friends!!!   Check out the complaints BEFORE you apologize for con America!!  -Rocky}
14.  Let’s say Primerica goes out of business (don’t believe it {?} … check out ENRON, ….{mci, Grant’s, Bear Stearns, Adelphia, Newpower, Lehman Bros – consult the Rock}  And read the Wall Street Journal article I reference above) ….. your contract and license is with Primerica … what do you then? … because I already explained to you … YOU DON’T OWN IT{!}
15.   Do you like paying for POL, Call Atlanta, marketing material, leadership school, and training (hype sessions)  { AND YOUR MOTEL BILL – Nextaxpro }…. Most companies give that stuff out free {.} { I can vouch for that – Nextaxpro }                  16.  DO YOU LIKE CHARGEBACKS??!!! …. Come on{,} of all things I know you are tired of … we have to agree on chargebacks ….. for those that don’t know what a chargeback is:  the agent turns in the paperwork to Primerica and is immediately paid …. 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 …. Primerica wants their money back! ….. which means they take it out of the next check or the next one or the next one which means you are running up an escalator and YOU KNOW IT …. Sorry to give out the dirty little secret but you can not say you like the CHARGEBACK …. Again not all companies get those and NO company gives them out as much as Primerica{.}

17.   Most people become disable{d} before they die …. You can’t sell disability insurance or you will be fired … hurting your clients again {.}
18.   What about health insurance … again .. try to sell it and you will be fired  (by the way … does it make sense that you can be fired from your own business?)   { HA HA HA HA HA HA HA HA  HA HA HA HA!    BONNIE FLOORMAN DID THAT TO ME, AND I DIDN’T EVEN GET MY LICENSE FROM CON AMERICA!   I EARNED IT FROM THE BOARD OF INSURANCE IN MY STATE:   Rocky  }

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19.  Critical care …. What if you client gets cancer … or do have insurance for that …. Nope …. Fired Again … By the way before you say it …. Most life insurance has accelerated death benefit …. So Primerica not special with that.
20.   Make sure you check with Primerica before you do ANYTHING{.}  {I} if they don’t like it they can terminate you (read your IBA) … sounds like a JOB to me .. I’d rather be independent…… the sad part is most don’t know you can be ….  Listen … I wrote this for the person I was before I left Primerica hopefully that person is reading this and just starting to open your eyes a little bit and ask some questions that they didn’t have before…..  I don’t hate Primerica … I don’t hate the people in Primerica … but you don’t know everything about the company ….. and I can almost guarantee you didn’t read or understand the IBA you signed.   And if you don’t open your eyes and figure it out …. You are going to hurt some people and your {sic} going to hurt your family.  Think about it … don’t try to argue with it{,}  just read it and find out if everything I said is true …. Don’t believe me READ YOUR IBA.  I was you before I found out all of this stuff. The question is  “Once an honest person knows the truth, he/she has 2 choices, continue to be honest and change their current course of action or cease to be an honest person”.   I will gladly talk to you here about it and answer any comments, questions or disagreements you have.
    Rocky’s Tip:    to save a lot of souls an awful lot of money:  35 year term should not be taken in to consideration.   Even if you are disabled, et cetera^, and think that there is no chance for you, you may not even be around 35 years from now.   NOT TO MENTION THE COMPANY ITSELF!     For the overwhelming majority of you, life {death} insurance should NOT be necessary in 15 to 20 years.   You will have something to fall back on.  Your children will be grown.    Arrange for Rocky to give you a seminar of how life {death} insurance companies rob you and what death insurance really is.

One who picked up on it quickly:   “I already feel deceived.   I’ve never heard of a legitimate honest job that requires you to put down at least $199 in order to begin working.    That’s ludicrous.   Furthermore, during the presentation, there seemed to be two very strong points in which the gentlemen emphasized:  {m}Money and recruiting.   They would go on and on about how much money they made, and the fact that in order to make money, you have to recruit people.    95% of the presentation was spent on these two subjects;  the remaining 5% was spent on helping people get out of debt.   Right now, my mind is boggled.   I can’t figure out how a company can claim to be an honest company that helps people and does noble deeds while concentrating much of their energy and manpower on greed and dishonesty.    It sounds too good to be true, because it is.   Don’t believe everything you hear, fellow people.”        http://primerica.pissedconsumer.com/i-just-got-home-from-a-primerica-presentation-and-20080805130392.html

3.  Written by Another one taken, on 12-07-2008 20:52
My wife went to an “interview” about a medical job  {YEAH you apologists are really filled with godliness, aren’t you?   Amway was very deceptive but I do not know of Amway ever stooping so low as to say they are health practitioners, et cetera^!! }   that was posted on Craigslist which turned out to be one of these hyped “opportunities” and {YOU -Rocky }   paid the {Edit:  awful } $199 & signed stuffed before reading it or understanding what she was doing.  After doing some research I found this forum and I am now {Edit:  angry} that they would do this.   I am not an easy target for scams like this because I always am leary {sic}  about “get rich quick schemes” that blow smoke up your *** without any real or tangible products or services.    My wife had to cancel her debit card in order to keep from being another victim.   Lesson learned.

9.  Written by John Garvin, on 07-04-2008 19:08
Last week, the Department of Ins. for the  state of Utah raided the Primerica offices in Salt Lake.  The RVP admittied {sic} to investigators that he had committed a fraud.     {  WOW!!  WHY DON’T THE conAMERICA apologist CLOWNS PUBLISH THIS???   – Nextaxpro }

http://NEXTAXPRO.WORDPRESS.COM       https://wordpress.com/post/nextaxpro.wordpress.com/6

http://primerica.pissedconsumer.com/is-primerica-a-scam-you-be-the-judge-20080320115955.html

May be the reason Ripoff Report has ceased publishing exposes and complaints regarding CON CRIME TO America:
9.  Written by Consumer Advocate, on 11-08-2008 13:55   Go check out what the editor of ripoffreport.com said after being PAID by Primerica to become part of his “Consumer Advocate Program”   He will say whatever you want after you PAY him.  http://primerica.pissedconsumer.com/primerica-3a-one-recruit-s-reflection-2c-2yrs-later-20080808130739.html

http://www.businessinsider.com/citigroup-primerica-ipo-2010-4

Written by vtch786 aka PFS Truth, on 08-08-2008 15:04  LTM4661:
1st – Please use your own name not my username {.}
2nd – You have been lied to if you were told you can get promoted without selling anything.    { poor pirate vs. America recruits will believe anything.   This is really pitiful.  consult the Rock }   You have to do $10,000 in life insurance premiums 2 months in a row AND have 6 districts to get promoted to RVP. By the way you don’t give away the life insurance policies, you or your team has to SELL it. After being told you don’t have to sell anything to be promoted by another up standing Primerica agent and now finding out the truth, you are a sucker if you sign that IBA.  How many times do I have to say this, I was at Primerica for 3 years, LTM4661 or any other new person, what makes you think you are going to say something that I don’t already know. I am trying to warn you before you sign the IBA.
3rd – When you recruit somebody … do they give those away free too? … NO, you sell them an IBA contract for ($99 down and $25 a month) {yiiiiiiiii  !!!!  OWWW !!!!  YOU PAY TO GET RAPED!!!!!!!!  – consult the Rock}…. Wake up!   Every promotion is based on sales, either IBAs and/or Life Insurance.  You are choosing to ignore FACTS and if you sign your IBA after this you deserve exactly what you are going to get.
4th – What McDonald’s can you buy for $10k?   From McDonald’s website: How much does it cost to open a McDonald’s franchise? Total investment: $655,750 – $1,225,000   { More now -consult the Rock}
5th – What ” franchise” are you buying at Primerica?  Let’s use your analogy:  Would you buy a McDonald’s then be told you have to start working for free at the FRY STATION and ADVERTISING at the same time … and hopefully, one day, maybe you could own it…. Does that make sense?   Because that is what you are doing a{t} Primerica. Get this straight{:} it is a Multi – Level Marketing company{sic:  pyramid -consult the Rock}.  You have to recruit to be promoted and you have to sell to get promoted.   You will be selling OVERPRICED products to your friends and family and recruiting strangers AT THE MALL, trying to convince them with the same lies you are believing.  Sounds like Amway to me … the only difference is you have to get a state license{d} first … so you have to wait and make you[r} new up-line money first.   { Yep, confirmed true.  – consult the Rock }  http://primerica.pissedconsumer.com/primerica-is-deliberately-deceptive-20080806130446.html

Good stuff by:   Written by vtch786, aka PFS Truth, as Primerica apologist stole his name and wrote garbage favoring Primerica!   ‘nuf said!  on 09-05-2008 10:  http://primerica.pissedconsumer.com/primerica-bankrupted-a-friend-he-lost-his-home-20080330116835.html

CON America apologist blown away;  his lies exposed:  {point #} 13. “Are you sure there are NO Financial Firms that will allow you to work part time AND own and office? …..and … Are you also sure there are NO Financial Firms that will not let you work in another Financial Field and also work for their firm? … and … Are you sure that they “Will require you to drop several thousand (often in the 6-figures) in franchise fees” before you open your office? … Wow … I should really go tell some the independent agents I know that what they are doing every day is IMPOSSIBLE. .. and … I am not sure how I owned an office when I was part-time …. And … I must owe someone a franchise fee … so please let me know who to write that check to.    Should I stop selling health insurance and disability insurance too?   Just because Primerica doesn’t sell it, doesn’t make it { or me -consult the Rock } non-compliant, it makes PRIMERICA Non-Compliant.
MORE POINTS IN HERE;  EDITED TO SAVE SPACE   – consult the ROCK
{point# } 14.  You have only had 1 chargeback your entire career in Primerica? … that would mean every person that you have ever put an app{lication} in for was always approved, not rated{;}   always accepted the policy and never looked for a lower rate during the underwriting period?  Since you are paid on submission {sic:  commission} that would be close to impossible … you want to change your statement about only 1 chargeback{?}{point # }
15.  How can some {one} who preaches about ethics vs money … then say “Eh, its business” when it comes to Interest Rate on a Mortgage.  I can show a person how to pay of {sic} their 30 year mortgage in 12 to 18 years … biweekly without a charge to do it {HA HA HA HA HA} …. With a lower total cost AND give them the lowest interest rate.  Primerica has not cornered the market on that {ha ha ha ha ha} … they are just the only one doing it AND charging a high interest rate. If you think your clients don’t care about 2 interest rates {percentage} points … what ethics do you have? “

{All RVPs pay close attention:} {point #}17.  As for a new recruit … why not do this:
a. New Recruit says I am interested in getting in to Financial Services.
b. New Recruit pays NOTHING ….
c. New Recruit goes to licensing class FREE …
d. New Recruit goes on training appointments that I set up in MY MARKET from the referral I have made from clients I have saved money for …
e. New Recruit Learns even more and still hasn’t paid anything.
f. Independent Agent Pays for New Recruit to take the test. …… That’s what {sic} done all the time?” {.}   That’s why a.l. williams owes me and why CRIME America owes all their recruits.   I resent you lying to me, Bonnie floorman. http://primerica.pissedconsumer.com/primerica-bankrupted-a-friend-he-lost-his-home-20080330116835.html     You may have saved some money “primerica rocks”{,}   but if you have a term policy with them, the fact is you could probably have paid half as much for possibly more coverage from a different carrier, and had more to invest. They could have helped you with the refinance too, especially considering that Primerica’s products are by no means special.    You just didn’t shop around, and instead took the first piece of advice you came acroos {sic: across}.   Best of luck!”
4. “Also how can you not know what it takes to own your Primerica business? You have no way of looking up and verifying the 3% growth {!!!!!!!!!!!!  – consult the Rock }…. This is your business, you know ALL the ins and outs of Primerica and the Financial Service Field, how can you not get that information … how can I get it and you can’t”   { ha haaaaaaaaa!  O ho ho ho ho ho ho ho ho A ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha! }   TAKEN DOWN BY NEFARIOUS PIRATE VS. AMERICA SHAM CON ARTISTS!!!     http://primerica.pissedconsumer.com/primerica-2bjob-opportunity-3drun-20080204112362.html

The author is very knowledgeable  – Nextaxpro.    Cannot find the name of the author on the website:   “A thorough response to “Termites” has been prepared as early as 1988 for a former RVP in the A.L. Williams organization in a published book called  “A.L. Williams:  Cult or Crudade?” { sic}    The questions asked there are relevent { sic } to today’s PFAs and are the questions that should be asked when one is being coerced to replace their cash value policy or is being recruited to join Primerica, a company that is known for its agents unscrupulous and deceptive practices.
{sic:   before the “Do” – Nextaxpro }   1.    Do you want to buy insurance from a company which guarantees that the insurance you buy this year could cost you $106,000 more by age 65…?”
2.   “Do you want to do business with a company [whose agents] openly admit to lying and distortion to sell its programs?”
3.  “Do you want to do business with a company [whose agents]  state it is more important for them to get the business and biggest earnings than how they got them?”
4.  “Do you want to join a company which offers a dream, a job opportunity and an “own your own business ” pitch which is really a [MLM] sales gimmick?”
5.  “Would you want to join a company which offers financial independence and yet will not guarantee any earnings, compensation plans or employee benefits?”
6.  “Do you want to go to work for a company which encourages you to build your own business, but it requires you to sign 73 pages of contracts which give the company the right to take your business, to terminate you without cause, and to confiscate your past business earnings?”
7.  “Would you like to invest your family’s business future contracting with a company which forces you to sign a contract which allows only the company to change the terms of the contract at any time without justification?”
8.  “Do you want to trust your professional future to a company whose contract states your “…appointees (business) and rights to commissions and override commissions (earnings) do not constitute property of the RVP (you) for any purpose nor shall such rights be subject to inheritance…” and that upon your death {  a.l. williams – conAmerica – consult the Rock } takes it (your business) — if they don’t take it before?
9.   “Do you want to work for a company which won’t let you sue them in a court of law if they violate their agreement with you or wrong you — but requires you to go to Georgia, under Georgia law, when {while} the company reserves the right to sue or arbitrate?”
These are a few of the questions being asked in 1988, shortly before weill bought the company from williams.    Little has changed since 1988.   If you have read your contract carefully, you will see that most, if not all of the above statements apply to today’s Primerica.   I strongly advise anyone considering con America as a career or as a vehicle to wealth { grinding poverty – consult the Rock }  to find another vehicle.”
What S.L.  posted is absolutely irrefutable.    While slaving for a.l. williams – now conAmerica – and feeding the up-line and not making any money for the benefit of my hard labor for my family, I first noticed that CWA insurance group { at that time } was cheaper.    Then I noticed another one cheaper, then another, then a torrent.    Then, even if  a.l. williams APPEARED cheaper, it was NOT in some of the plans!
http://www.pissedconsumer.com/consumer-reviews/insurance/formerly-a.l.-williams-complaint-%11-insurance-companies-2007030539870.html
https://wordpress.com/post/nextaxpro.wordpress.com/168
2.    Written by vtch786 aka PFS Truth, on 08-08-2008 15:04  LTM4661:
1st – Please use your own name not my username {.}
2nd – You have been lied to if you were told you can get promoted without selling anything.  { poor CON America – CRIME VS. America recruits will believe anything.  This is really pitiful.  consult the Rock   You have to do $10,000 in life insurance premiums 2 months in a row AND have 6 districts to get promoted to RVP.    By the way you don’t give away the life insurance policies, you or your team has to SELL it. After being told you don’t have to sell anything to be promoted by another up standing Primerica agent and now finding out the truth, you are a sucker if you sign that IBA. How many times do I have to say this, I was at Primerica for 3 years, LTM4661 or any other new person, what makes you think you are going to say something that I don’t already know. I am trying to warn you before you sign the IBA.
3rd – When you recruit somebody … do they give those away free too? … NO, you sell them an IBA contract for ($99 down and $25 a month) { yiiiiiiiiiiiiii !!!!!  OWWW!!!!!  YOU PAY TO GET YOURSELF RAPED!!!!  consult the Rock } …. Wake up!  Every promotion is based on sales, either IBAs and/or Life Insurance.  You are choosing to ignore FACTS and if you sign your IBA after this you deserve exactly what you are going to get.
4th – What McDonald’s can you buy for $10k?   From McDonald’s website:  How much does it cost to open a McDonald’s franchise?   { Total investment:  $655,750 – $1,425,000  – consult the Rock}
5th – What ” franchise” are you buying at Primerica?  Let’s use your analogy:  Would you buy a McDonald’s then be told you have to start working for free at the FRY STATION and ADVERTISING at the same time … and hopefully, one day, maybe you could own it…. Does that make sense?   Because that is what you are doing a{t} Primerica. Get this straight{:} it is a Multi – Level Marketing company{sic:  pyramid -consult the Rock}.  You have to recruit to be promoted and you have to sell to get promoted.   You will be selling OVERPRICED products to your friends and family and recruiting strangers AT THE MALL, trying to convince them with the same lies you are believing.  Sounds like Amway to me … the only difference is you have to get a state license{d} first … so you have to wait and make you[r} new up-line money first.   { Yep, confirmed true.  – consult the Rock http://primerica.pissedconsumer.com/primerica-is-deliberately-deceptive-20080806130446.html

Good stuff by:  Written by vtch786, aka PFS Truth, as Primerica apologist stole his name and wrote garbage favoring Primerica!   ‘nuf said!  on 09-05-2008:  http://primerica.pissedconsumer.com/primerica-bankrupted-a-friend-he-lost-his-home-20080330116835.html

MORE POINTS IN HERE;  EDITED TO SAVE SPACE   –  consult the ROCK
{point# } 14.  You have only had 1 chargeback your entire career in Primerica? … that would mean every person that you have ever put an app{lication} in for was always approved, not rated{;}   always accepted the policy and never looked for a lower rate during the underwriting period?  Since you are paid on submission {sic:  commission} that would be close to impossible … you want to change your statement about only 1 chargeback{?}{point # }
15.   How can some {one} who preaches about ethics vs money … then say “Eh, its business” when it comes to (I)Interest (r)Rate on a (m)Mortgage.   I can show a person how to pay of {sic} their 30 year mortgage in 12 to 18 years … biweekly without a charge to do it { HA HA HA HA HA!!!  – Nextaxpro } …. With a lower total cost AND give them the lowest interest rate.  Primerica has not cornered the market on that {ha ha ha ha ha} … they are just the only one doing it AND charging a high interest rate. If you think your clients don’t care about 2 interest rates {percentage} points … what ethics do you have? “

 Cannot find the name of the author on the website:   “A thorough response to “Termites” has been prepared as early as 1988 for a former RVP in the A.L. Williams organization in a published book called  “A.L. Williams:  Cult or Crudade? {sic}”   The questions asked there are relevent{ sic} to today’s PFAs and are the questions that should be asked when one is being coerced to replace their cash value policy or is being recruited to join Primerica, a company that is known for its agents unscrupulous and deceptive practices.
1.  “Do you want to buy insurance from a company which guarantees that the insurance you buy this year could cost you $106,000 more by age 65…?”
2. “Do you want to do business with a company [whose agents] openly admit to lying and distortion to sell its programs?”
3. “Do you want to do business with a company [whose agents] state it is more important for them to get the business and biggest earnings than how they got them?”
4. “Do you want to join a company which offers a dream, a job opportunity and an “own your own business ” pitch which is really a [MLM] sales gimmick?”
5. “Would you want to join a company which offers financial independence and yet will not guarantee any earnings, compensation plans or employee benefits?”
6.  “Do you want to go to work for a company which encourages you to build your own business, but it requires you to sign 73 pages of contracts which give the company the right to take your business, to terminate you without cause, and to confiscate your past business earnings?”
7.  “Would you like to invest your family’s business future contracting with a company which forces you to sign a contract which allows only the company to change the terms of the contract at any time without justification?”
8.   “Do you want to trust your professional future to a company whose contract states your “…appointees (business) and rights to commissions and override commissions (earnings) do not constitute property of the RVP (you) for any purpose nor shall such rights be subject to inheritance…” and that upon your death { A.L. Williams – con VS. America   – consult the Rock }  takes it (your business) — if they don’t take it before?
9.   “Do you want to work for a company which won’t let you sue them in a court of law if they violate their agreement with you or wrong you — but requires you to go to Georgia, under Georgia law, when {while} the company reserves the right to sue or arbitrate?”
These are a few of the questions being asked in 1988, shortly before Weill bought the company from Williams.   Little has changed since 1988.  If you have read your contract carefully, you will see that most, if not all of the above statements apply to today’s CRIME vs. America.  I strongly advise anyone considering CRIME vs. America as a career or as a vehicle to wealth { PROVEN grinding poverty – consult the Rock }  to find another vehicle.”
What S. L.  posted is absolutely irrefutable.   While slaving for a.l. williams now conAmerica and feeding the upline and not making any money for the benefit of my hard labor for my family, I first noticed that CNA was cheaper.  Then I noticed another one cheaper, then another, then a torrent.   Then, even if A.L. Williams appeared cheaper, it was NOT in some of the plans.
http://www.pissedconsumer.com/consumer-reviews/insurance/formerly-a.l.-williams-complaint-%11-insurance-companies-2007030539870.html

LATEST PYRAMIDS AS OF 2017:    I don’t like to recommend google.   However, google, as of this time, appears to be more thorough in bringing up more websites and blogs that expose pyramiding:    https://google.com/#     https://www.google.com/#safe=active&q=PYRAMID+SCHEMES+AS+OF+2016

https://www.google.com/#q=NEXTAXPRO:++PYRAMID+SCHEMES+AS+OF+2017:&safe=

active&spf=1495477160550

wamway determined by a judge not {!!!!!!!!!!} to be a pyramid scheme due to this foolishness:

WWW.FTC.gov

Reluctant to add Wikipedia { wacked pedia } as it is liberal and CHOCK FULL OF LIES, DECEITFUL “INFORMATION”, HALF TRUTHS AND SO ON.  But it does have

a list of pyramid schemes and this should help to stay way away from any one or any representative attempting to persuade you to fork over money just to get a job:    https://en.wikipedia.org/wiki/List_of_Ponzi_schemes

http://www.slate.com/articles/business/moneybox/2016/05/the_government_is_finally_closing

_in_on_herbalife_herbalife_will_fight_back.html

https://www.theguardian.com/business/2016/jul/15/herbalife-ftc-fine-200-million-pyramid-scheme-label
https://www.factsaboutherbalife.com/the-facts/the-herbalife-pyramid-scheme
https://www.google.com/#q=PYRAMID+SCHEMES+AS+OF+2016&safe=active&start=10
https://www.google.com/#q=PYRAMID+SCHEMES+AS+OF+2016&safe=active&start=30
Federal Trade Commission:   https://www.ftc.gov/search/site/pyramids
   THEY ALL SELL TO SOMEONE AND MAKE A COMMISSION.   IF NOT, then it is different:   a Ponzi.

http://search.myway.com/search/GGmain.jhtml?ct=ARS&n=782b42f6&p2=%5EY6%5Exdm459%5ETTAB02%5Eus&pg=GGmain&pn=1&ptb=E4F27C2C-22B8-4811-ADA7-123F40555B94&qs=&si=&ss=sub&st=tab&trs=wtt&searchfor=Binge+Led+

to+Death+of+Herbalife+Founder&feedurl=ars%252Ffeedback%253ForiginalQuery%253Dfounder%252Bof%252Bherbalife%2526relatedQuery%253Dbinge%252Bled%252Bto%252Bdeath%252Bof%252Bherbalife%252Bfounder&tpr=jre10&ots=1480510142232

MUCH MORE AND IN MORE DETAIL ON MY EXPOSE` PAGE ENTIRELY DEVOTED TO ALERTING SOULS TO THE IMMINENT DANGER OF THE CON AMERICA PYRAMID SCHEME:  

https://Nextaxpro.wordpress.com/2008/09/

12/primerica-a-l-williams-is-fraudulent-pyramiding-it-is-very-very-evil-att-now-abominable

Under my Category CULTS, I have animal rights:    https://nextaxpro.wordpress.com/?s=animal+rights

My number on the “ticked off consumer webpage” where pirate vs. America is exposed:  #1076016

https://wordpress.com/post/nextaxpro.

wordpress.com/168

Senator Eugene Joseph McCarthy – NOT to be confused with the other McCarthy –  was truly a great patriotic American.   He would take communists and communist sympathizers in front of Congressional hearings and ask them point blank:   “Have you ever or are you now a member of the communist party?“.   They should be asking this question to obola, eric holder, harry reid, hitlery and bill, the frightfully retarded nancy pelosi, bernie sanders, the communist nut who “trained” obola and a large number of other communists who hold communist ideas, whether they admit to it, or not!

Dying words of saints and sinners ~

But HE  {GOD Almighty, the LORD JESUS CHRIST HIMSELF} was wounded for our transgressions;  HE was brusied for our iniquities. The chastisement of our peace was upon HIM, and with HIS Stripes we are healed.  – Isaiah 53:5

But GOD Commendeth HIS Love toward us, in that, while we were yet sinners, CHRIST died for us.  Much more then, being now justified by HIS Blood, we shall be saved from Wrath through HIM.   – Romans 5:8-9.

Repentance toward GOD, and faith toward our LORD JESUS CHRIST.  – Acts 20:21

Please study Isaiah 53,  the Gospel of John, the Book of 1John, the Book of Romans.

For godly sorrow worketh repentance to salvation not to be repented of, but the sorrow of the world worketh death.   – 2Corinthians 7:10.

I tell you Nay, but except ye repent, ye shall all likewise perish     – Luke 13:3, 5.
Verily, verily, I say unto thee:  he that heareth MY Word, and believeth on HIM that sent ME, hath everlasting life:  and shall not come into condemnation, but is passed from death unto life.    – John 5:24.
http://nextaxpro.spaces.live.com      http://twitter.com/Nextaxpro   

http://nextaxpro.mobile.spaces.live.com

https://nextaxpro.wordpress.com/2008/09/

12/primerica-a-l-williams-is-fraudulent-pyramiding-it-is-very-very-evil-att-now-abominable

https://wordpress.com/post/nextaxpro.

wordpress.com/168

https://wordpress.com/post/nextaxpro.

wordpress.com/6     

^  I am changing “etc.” to “et cetera” for clarity.    “Et cetera” is Latin for “and all of the others”,  or  “and all of the rest of the subject matter”.      Hopefully, these and other moves by me will help clarify.     I am furthermore going to change “i.e.”  to “that is”.      And, change “e.g.”  to “a good example”.    LORD BLESS:     Rocky Nextaxpro

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One thought on “EXPOSES: con vs. America primerica, herbalife especially: PYRAMID FRAUDS AS OF 2017. DIMOCRATS COMMIT VOTER FRAUD AND VOTER IDENTIFICATION { ID } FRAUD! QUEER FAGGOT espn, FAGbook facebook HATES, DELETES ALL TRUTH!

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