IS PRIMERICA { CON AMERICA } – A.L. WILLIAMS HONEST? MARKET AMERICA, CON AMERICA, WAMWAY-QUIXTAR, HERBALIFE, FOR YOU, MELALEUCA, AL PINE, MARY KAY, PREPAID LEGAL SERVICES { PIMCO Real Return Limited Duration D (PPDRX) still there! }, NU SKIN ENTERPRISES, usana, avon AND MANY OTHERS ARE FRAUDULENT PYRAMIDING!!! THEY ARE VERY, VERY EVIL. PYRAMID SCHEMES IN 2017 普瑞瑪瑞卡, 康寶萊是金字塔, 非法, 不道德, 作弊, 矇騙計畫! 普瑞玛瑞卡, 康宝莱是金字塔, 非法, 不道德, 作弊, 蒙骗计划!

TRANSLATE FROM ENGLISH:   SEVERAL LANGUAGES AND DIALECTS AVAILABLE:       http://babelfish.yahoo.com         http://www.googletranslate.com

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Is primerica an honest outfit?    Is primerica reputable?    Can primerica be safely trusted?    Is www.ripoffreport.com telling you the truth??    Is primerica a “proven, trusted company”,  as claimed by ripoffreport?   Does primerica have REFERENCES to PROVE that it is an honest, real corporation, partnership or proprietorship?     Is  primerica a behemoth scam?    Is primerica a con?     Is primerica another behemoth scam pyramid destroyer of lives?     Is primerica PROVEN to be a behemoth scam, split-tongued, shark, boiler room, surreptitious, fleecing, gouging, take advantage of the innocent, cozen, ensnaring, bilking, double crossing, hoodwinking, take to the cleaners pyramid, deluding, defrauding, robbery, pyramid shark?   WHY do liars constantly post LIES praising con against America and other parts of the world??   WHY does this occur oftentimes even prior  to one post exposing the montebank of pirate vs. America??    WHAT are they so frightened of??   Examine con America.    Does con versus America SCAM innocent souls?    PLEASE READ AND STUDY  ALL ALL ALL of the material that follows.   PLEASE TELL YOUR LOVED ONES, FRIENDS, ACQUAINTANCES, PEOPLE YOU MEET TO DO THE SAME:   Please support this very noble, very important, DEPROGRAMMING, EDUCATIONAL, VERY HELPFUL cause.   In this expose, I will be explaining why PRIMERICA is a PYRAMID SCAM;  FOUNDER SCAMMERS DEFRAUD YOU;   THEIR “UPLINE”  AND ITS DEFENDERS AND APOLOGISTS KNOW IT THOROUGHLY.    Routing number:  061 000 104   Account number:  1000 1640 73826   Nextaxpro

 NOTICE!!!!   ~   THIS SITE has been HACKED in the past!!   HAVE YOUR MALWARE FILTER ON!!!    I DO NOT KNOW HOW MUCH LONGER THIS FACTUAL BLOG WILL BE OPERABLE!    HAVE YOUR MALWARE FILTER ON!      There is no “guaranteed protection from viruses”.    We do not know what viri { modern day usage “viruses” } are coming in the future;   in the next minute, for that matter.   I’ve used desktops and laptops previously that had no virus protection, but I did not get a virus.    However, I am still of the opinion that anti-virus protection is necessary;  even essential.    Many have had their computer knocked down because of a virus.     FRAUDULENT PYRAMIDING CONFIDENCE MAN’S HOAX BUNKO GAME CON AGAINST AMERICA senior regional vice-presidents {srvps}, regional vice-presidents {rvps} and “sales” representatives, DESPERATE to DECEIVE and HOODWINK the public with the DELIBERATE INTENT TO BAMBOOZLE “recruits” and “potential victim “recruits”, are fighting a war!   WHEN SEARCHING FOR FACTUAL  REPORTS REGARDING PIRATE VS. AMERICA, pirate vs. America APPOINTED APOLOGISTS CONTRADICT TRUTHS POSTED ON WEBSITES.    Please have your malware filter attached.    Two or more SEARCH ENGINES HAVE BEEN HACKED in the past !!!   You may get “the blue curse of death”!      Have further noticed that some sites exposing PIRATE VS. AMERICA have been HACKED as the webpage will not scroll!!   Some pages “wave” and will not move for you.   This is done by the unscrupulous so that you will not catch on to this bilking, pirate crime.   The hucksters have to suck you in so that you will  “RECRUIT, RECRUIT, RECRUIT”  { nice word for ensnare } and make money for their vile, evil, criminal intent “upline “.    There is, and NEVER WILL BE, a lawyer who would, OR EVER WILL, fall for a pyramid flim,scum bilking FRAUD as a pyramid scheme!   con. vs America apologists have even KNOCKED DOWN the “pissed consumer” webpage that fields complaints regarding PIRATE vs. America.   The DILLDOCK, nuthead mark hughes, the founder of Herbalife, even said  “it should be all right with you if your up line makes money as a benefit for your work” { !!!! } .    WHAT A SARCASTIC, MONTEBANK, CONDESCENDING, prim and proper”  SNOTHEAD!   HE ACTUALLY SAID THAT!   COMPARE THAT with a REAL businessman;  a honest businessman.   I don’t take part of my employee’s pay.   The employees get 100% of their pay.   If they get a tip, they keep the money, so long as they report to the IRS on Line 22 of the Form 1040, or Form 1037 if they are receiving restaurant tips.   Any scammer SHYSTER falsifier seedy who would conceive from their wicked hearts this diabolical FRAUD is evil, evil, evil! and is recompensed by the death penalty in China  – Nextaxpro

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CON VERSUS AMERICA – A.L. WILLIAMS IS SWINDLING, FRAUDULENT PYRAMIDING.  THE LOVE OF DARKNESS, BOILER ROOM, HOODWINKING IS VERY, VERY EVIL.   

No lawyer has ever fallen for a PYRAMID, and NO lawyer ever will be duped in to a pyramid.   CON MEN CONCEIVE pyramids;  con men don’t fall for a PYRAMID.  And that is rock ribbed fact.   No FACT is able to be argued against.

Good day to all of you.    This is a lengthy expose and it will grow.   Hence, a Table of Contents is laid out in general.    It is broad for the most part, but this will help as, usually one will need many days to read, absorb, make notes, bookmark -then tudy more.    Please do tell your loved ones, friends, associates, acquaintances and all whom you meet about this website.    Probably you and people you know and people you have met and will meet have been approached by this  CON MAN BEGUILING, MONTEBANK, CRUEL, EVIL THOUGHTS SCHEME AND ABOMINABLE FRAUD. 

SO PLEASE, PLEASE, PLEASE – SPREAD THE WORD.   TABLE of CONTENTS:

FIRST:   The difference between a PYRAMID FRAUD AND A PONZI SCHEME.   THEN, A WORD ABOUT WHAT INSURANCE IS.

SECOND:    MY EXPERIENCE WITH A.L. WILLIAMS, NOW CON AMERICA AND THE INEVITABLE RUDE AWAKENING

THIRD:    WHAT OTHERS REPORT.   I HAVE INSERTED corrections WHEN THERE ARE ERRORS AND when I am able to insert HELPFUL TIPS FROM MY EXPERIENCES, AND, WHAT I HAVE LEARNED OVER THE YEARS.

FOURTH:    VERY IMPORTANT ~ MORE EXPOSES` OF CRIME VS. AMERICA ~ in SECTION II:

FIFTH:    LATEST FRAUDLENT PYRAMID SCHEMES, FRAUDULENT SOLICITATIONS ON FACEBOOK, INSTAGRAM, TWITTER;  AND LATEST CON AMERICA FRAUDULENT, ABOMINABLE SCANDALS

SIXTH:   LAWSUITS VS. CITIGROUP AND CON AMERICA

SEVENTH:   INVESTIGATIONS OF CON AMERICA

EIGHTH:   REPORT PIRATE VS. AMERICA AND THE WORLD SO THAT OTHERS WILL NOT BE VICTIMIZED!

NINTH:   PYRAMID BOILER ROOMS OCCURRING NOW.  PYRAMIDS AS OF 2017:   I do NOT like to feel like I am recommending  google.   I do feel  that google might be a little more thorough in bringing up helpful websites:    https://www.google/#safe=active&q=PYRAMID+SCHEMES+AS+OF+2016

https://www.ftc.gov/news-events/press-releases/2017/02/ftc-maine-attorney-general-shut-down-web-deceptive-supplement

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

government_is_finally_closing_in_on_herbalife_will_fight_back

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

http://www.mlive.com/news/grand-rapids/index.ssf/2016/11/amway_not_happy_about_john_oli.html

Federal Trade Commission:  https://www.ftc.gov/search/site/pyramids      wamway determined by judge not to be a pyramid due to this foolishness:    THEY ALL SELL TO SOMEONE AND MAKE A COMMISSION.   IF NOT, then it is different:   a Ponzi. scheme.

BOTTOM:   DYING WORDS OF INFIDELS

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FIRST:   What is a pyramid boiler fraudulent scheme and how is it different from a ponzi scheme, named for an italian in the 1920s.  

https://www.sec.gov/fast-answers/answersponzihtm.html

https://www.sec.gov/oiea/investor-alerts-bulletins/investor-alerts-ia_pyramidhtm.html

NOW, A WORD ABOUT WHAT INSURANCE IS.    Nextaxpro’s definition of insurance:   the merchandising of air in exchange for money.     No insurance representative will admit to this, but THAT is what INSURANCE is.    All of us at majority age have had rough experiences with insurance:    what is really covered, premiums too high;   no real coverage { auto insurance, airline insurance, public storage insurance,  and rent-a-car auto insurance are great examples of that!   If you are married { a real marriage:  male husband and a female wife }, you DO NOT have to purchase auto insurance if your female wife or male husband already has.   The States in the U.S.A. REQUIRE your spouse to be placed on the vehicle insurance policies.   You are offered NO CHOICE, and, YOU ARE NOT TOLD BY THE STATE!   EVIL.  SICKENING.   BUT, such is life nowadays.   Deductibles { seductively sweet word for not paying you what the advertisers of this FRAUD promise, that is, THEY ARE NOT TELLING YOU THAT THEY ARE STEALING FROM YOU!! }   AND, with death insurance, it WORSE!   As for enrolled agent insurance, I never bought any.   What if I never get sued?  WHY buy it?   I am not planning on being sued!   The majority of life { death } insurance companies  still sell what is known as whole life, permanent life, guaranteed life, straight life, and two or 3 amusing, felicitous other names to mean the same thing or worse:   good examples being universal life and mutual life.     You do not need death insurance!    Your goal in life is to become better and better off financially.     In a financially adverse time, you fall back on ASSETS,  not death insurance!     For some of you, this will be very difficult to accept.     But, as you grow older, you’re going to realize more and more that – all things built and conceived by mankind are a fraud.    Nothing is worth it.    Only THE LORD can give you PROMISES AND BLESSINGS and BARGAINS for that matter that are real.      In this inflationary era,  death insurance premiums have been declining and face values of policies have been increasing:  oversimplified.    The premiums have not decreased enough, but that’s another story.   What this means is that death insurance premiums were way too high and coverages and face values were not good enough.

Death insurance used to be fair.    Families would get together and chip in.   If the insured did NOT die, then she/he got her/his money refunded.   That’s the way it should be now.    Hence, you are now able to see that insurance is  RIP OFF in at least a few ways.   It is IN MANY WAYS, which you will see with PIRATE VS. AMERICA ~ CON AMERICA as a very, very good example.

SECOND IN TABLE OF CONTENTS:    MY EXPERIENCE WITH A.L.WILLIAMS AND KNOWLEDGE OF IT AND CRIME VS. AMERICA:

I now have a small business.   You had better know what you are doing if you have a business.    You have to work very hard, determined and long, long hours.   I have been no exception.  You get better as the years roll by.   I did not believe this at the first.   Now I realize it.    I know a FRAUD  when I see one.   I get uncomfortable.  You who fall for these boiler room cooked up schemes that ONLY make money for those who

DEVISE + CONCEIVE THE FRAUD make very, very little to no money AT ALL.   The rats make money off of the backs of those who hope to accomplish the American dream.    FRAUDULENT PYRAMIDING:  YOU ARE LOOKED DOWN AS A CUSTOMER WITH CON AMERICA.    YOU WILL BE PRESSURED TO BUY A POLICY.   MORE ON THAT ASPECT LATER.  YOU DON’T HAVE THE FREEDOM TO OPERATE YOUR OWN BUSINESS EVEN THOUGH THEY TELL YOU THAT YOU ARE AN INDEPENDENT CONTRACTOR.   NO IRS FORM 1099 will be forthcoming.   YOU are LIED TO and told that you are an independent contractor.   YOU DO NOT HAVE YOUR OWN BUSINESS WITH CRIME VS. AMERICA.    VERY STRICT AND SEVERE LIMITATIONS ARE PLACED UPON YOU.    VICTIMS DO NOT BOTHER TO STUDY THE INDEPENDENT BUSINESS ARRANGEMENT {IBA} WITH AN ATTORNEY.   YOU DO NOT, REPEAT, DO NOT, HAVE FREEDOM TO DO WHAT AN INDEPENDENT CONTRACTOR CAN DO WHEN CONTRACTING WITH A LEGITIMATE, GOING CONCERN.   CON AMERICA IS NOT, REPEAT, NOT A LEGITIMATE, GOING CONCERN.   YOU ARE A CUSTOMER, NOT AN INDEPENDENT IN BUSINESS FOR HIMSELF.   CON AMERICA FLEECES YOU IN MANY, MANY WAYS, AND THE KNOWN WAYS WILL BE DISCUSSED WITH CLARITY.    PIRATE VS. AMERICA, IS CONCEIVING OF NEW WAYS TO STRIP THEIR CUSTOMERS AND I AM GOING TO CONTINUE TO ATTEMPT TO KEEP “ONE STEP AHEAD OF CRIME”, AS THE SAYING GOES WITH THE POLICE IN THE UNITED STATES.   You had better realize that you are not going to make money unless you work hard, and, in a legitimate business framework.   You WILL NOT NOT NOT make money if you are swayed and sucked in to a PYRAMID SCHEME, which, with “recruit, recruit, recruit”, as a.l. williams used to do, AND con America, bernie madoff, market America, herbalife, For U, al pine, wamway { now called “quixtar”  in some countries },  mary kay and a large number of the roaches do this very day, AND, more are coming out of the woods every single week.   You are lied to as you will be told that you will make tons of money will very little effort.    You are NOT screened to see if you are able to sell life insurance and securities.    The $104.50 fee to take the examination  [ sometimes higher } goes in to the pockets of the termites, and the termites split the money among the senior regional vice presidents {srvps} and regional vice presidents {rvps}, with the regional vice presidents receiving less of “the take”.   You are LIED TO, in private, on their website { which the cons CHARGE YOU to view!!!!! }, in their “rah rah” indoctrinations, and in con America apologists columns that “it is required by the government”.  THAT IS A LIE AND that is proven by the fact that, after enormous pressure AND a prolonged period of time, some of the taken eventually receive a partial refund.   IF YOU ALLOW yourself to be swayed in to THIS PYRAMID, BOILER ROOM, MAFIA TYPE SHENANIGAN, you will very quickly understand that the cons at the top, the svprs and the rvps TAKE.   THESE VULTURES NEVER GIVE!

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I have had several friends since who got mixed up with this  “multi-level marketing”  {mlm} BRAINWASHING sewage.    Sometimes, it is labeled “network marketing”, “referral marketing”,  “direct selling”, “direct referral marketing”, “relationship referral marketing”, and the shysters are coming up with other names.  It is not “mlm”!!!!   It is PYRAMIDING.  SADLY, the victims of this scum scrum scam think the next vain venture will work.   It never does, nor can it work.   “mlm”  is a LIE, as it means PYRAMIDING!  IT is either a chain letter ponzi scheme or OUT AND OUT PYRAMIDING.   It is ‘recruit, recruit’.   THAT is NOT a business, and should be illegal.    Details regarding that will be forthcoming.     IF I need to hire employees for my income tax business, I DON’T SURREPTITIOUSLY HIRE WORKERS TO GET OTHER UNNEEDED WORKERS!!    I have an honest, real, legitimate business.   If I launch a restaurant, truck rental firm, cell fone rental firm, public storage firm with a decent-sized space for 50/month and not upwards of 300/month {!!};   tow broken down cars for $25 United States Dollars {USD}  per tow and not 250 {OR WORSE! USD} ;   rent out houses, rent a computer, rent out computer time, equipment rental firm,  consulting firm, “energy saving houses” – what have you – I AM GOING TO DO THE ADVERTISING.   IF I need one worker, or two, or 3,  I hire one or two.   I DO NOT have my worker “recruit, recruit, recruit” other workers!    Why?   It should be obvious.   If my employees “recruit, recruit” in order to have sales, those recruited will make no earnings whatsoever.   When you have a cook who can perform the task, he is not going to “recruit, recruit” additional workers!   HOW WILL THESE ADDITIONAL, UNNEEDED EMPLOYEES BE PAID??   There is no need for additional employee “RECRUITS”  seducing sounding name for HARASSING SOLICITATION! }, therefore, those “recruited” are able to RECEIVE NO PAY AT ALL!!  IT IS ILLEGAL TO “HIRE” souls and NOT to pay them!!   Should NOT be taxing to comprehend.    HENCE, ONE IS ABLE NOW TO VERY CLEARLY SEE HOW IMMORAL AND EVIL THESE CON ARTISTS ARE!!   I do the advertising, earn the sales and THE GOOD WILL of my customers and potential customers.   IF I reach my goals, I can pay the one, 2 or 3 employees that I hire and not have to fire them.   I DO NOT NEED { OR EVEN WANT } ANY ADDITIONAL EMPLOYEES OR “independent contractors”!!   I do the advertising at MY expense, NOT, NOT, NOT at the EXPENSE AND SALACIOUS WASTE OF TIME FOR my employee (s) to “recruit, recruit”, hence, DESTROYING THE HEALTH AND  WEL-BEING OF MY EMPLOYEES AND THESE “RECRUITS”!!!    THAT SCURRILOUS, NEFARIOUS CONCOCTION RUINS MY GOOD NAME AND THE WELFARE AND POTENTIAL OF MY EMPLOYEES AND THE “RECRUITED, RECRUITED, RECRUITED”, WHO, in rock-ribbed FACT, HAVE NO PLACE IN MY COMPANY BECAUSE I DO NOT NEED THEM, CANNOT PAY THEM, THEREFORE, IT WOULD BE BRAIN DEAD OF ME TO EVEN ATTEMPT TO PAY THEM!    WHY PAY them?   I bring in the customers, serve them, EARN good will for now AND THE FUTURE and earn money to feed my family.    IT is a LOATHSOME WASTE OF TIME for my EMPLOYEE AND FOR THE “RECRUITED, RECRUITED, RECRUITED”!!   I WOULD NOT, DO NOT, WILL NOT RUIN THE LIVES OF OTHERS by telling them to “recruit, recruit, recruit”,  as that would RUIN their morale;  RUIN them financially, sometimes for 20, 30, 40 years EVEN FOR LIFE MORE OFTEN THAN than NOT on rare occasions!!   I can, and will make the sales honestly.

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Before we expose TERMITE PYRAMIDING { WHICH CON TO AMERICA, AND, IN ITS SURREPTITIOUS SET UP, CAN ONLY BE }, I will show you SODOMY IN ACTION;   what sodomites really THINK about and what the sodomite abomiables do.   This is NOT what the mafia left wing press, pbs, npr, radical nbc section news, abc, nbc, cbs, time, life, newsweek, new york slimes, washington compost, and the hrc { human ‘rights” campaign want you to see!

http://www.Jesus-is-Savior.com/Evils%20in%20America/Sodomy/homosexual_propaganda.pdf
“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 {WOGS} watered down by the sodomite press and sorcerer shaman shrinks  to “aids” or “hiv”.   Sickening sin sick sex perverts being called  “bi”, “transgender”, “cross dressers”.    DYKES AND BIMBOS { FEMALE SODOMITES! } called “lesbians”.     Your sex is labeled your “gender”.   “homophobe,  homophobia”.   I’m not afraid of man:  Proverbs 29:25.   Blasphemy of the LORD’S HOLY INSTITUTION OF MARRIAGE called “gay marriage”.    Gender instead of sex of a person.   Study the Merriam-Webster dictionary!      I’m not a “homophobe”, which is not EVEN a word.    I am not afraid of man!   “native Americans”.     “intolerant”.    No!!   YOU  liberals are intolerant.   YOU cannot handle one word of truth.   The fear of man bringeth a snare, but whoso putteth his trust in the LORD shall be safe.  – Proverbs 29:25.     SODOMITE  MOCKERY OF THE LORD’S HOLY INSTITUTION OF MARRIAGE!      https://Nextaxpro.wordpress.com/?s=https%3A%2F%2FNextaxpro.word press.com%2Fcategory%2Fif-a-man-lieth-with-a-man-as-he-lieth-with-a-woman-both-of-them-hath-committed-an-abomination-they-shall-surely-beput-to-deat%2F
And, you guessed it, a nefarious, surreptitious, scurrilous, reprehensible, abominable, ugly, heinous, 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 or YOUR hard earned money and credit.  –  consult the Rock    

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http://www.chick.com   Type in “homosexuality”  or “sodomy”
http://www.Jesus-is-Savior.com      Type in “homosexuality” or “sodomites”   http://www.biblebelievers.com          www.repentamerica.com

http://www.officialstreetpreachers.com       blocked!!!   by the abominable sodomite un-American library association of and forevil!!!!

http://www.Jesus-is-Lord.com

http://www.Godhatesfags.com

http://www.worldnetdaily.com

Family Research Council:  http://www.frc.org

http://samgipp.com

http://www.chick.com

http://www.freerepublic.com

http://www.amac.us

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

http://www.Jesus-is-Savior.com/Evils%20in%20America/Sodomy/homoviolence.htm

http://www.av1611.org/kjv/fight.html#fight3

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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.

LIARS CONCEIVE FROM THEIR WICKED HEARTS:   PSALM 5:5-6, MARK SEVEN, ISAIAH 59, GENESIS 13:13, PROVERBS 4:18, 24:9, 14:9, 23:7, et cetera^.     As some drunkards and potheads in a homeless shelter, THEY CONTINUALLY CONCEIVE MISCHIEF.  WAKE UP!  You know it and I know it.   YOUR LOVED ONES KNOW IT.   LET’S PUT IT THAT WAY.  PIRATE VS. AMERICA CARVES YOU UP.   CON AMERICA SUCKS YOU DRY.   IT’S A BIT LIKE the guys who got together in a homeless shelter and claimed that innocent souls, attempting to vacate their depressing environment were stealing from them!!  There was nothing to it;  it was all evil lies and a hoax.    Those who had their vehicles unlocked had nothing stolen from them.    The entire surreptitious, disgusting sham was LIES, LIES, LIES and created a waste of time for the administrators.  

“Would you work in the following funny farm 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”.    What PROOF is shown to you??   I was one of hundreds of thousands of victims;  worse than 40 million by now.    I was young then.     It is as the CHARISMATIC POMPOUS DECEIVER – QUACK – FAKE HEALER WHO BLAMES YOU WHEN YOU DO NOT GET YOUR HEALTH RESTORED AND YOUR INFIRMITIES HEALED UP!!!!   SHE OR HE IS A TOTAL FRAUD, but she or he NEVER tells you that, obviously.   Just as the attorney who blames YOU when it is he, the crook { over 99.8% of them!! },  sells you radically down the river!   You had better know what you are doing before you get in to this business, and a whole lot of other duplicitous serpents are out there.   IT IS CONSIDERABLY WORSE NOW WITH THE EASY COMMUNICATION DEVICES on social media:   https://search.yahoo.com/yhs/search?hspart=adk&hsimp=yhs-adk_sbnt&p=pyramid+frauds+on+facebook%2c+instagram%2c+twitter+ and+other+social+media&type=em_appfocus5_ff&param1=20160918&param2=9876a8e9-c29f-4c5f-b154-090bc91482a3&param3=email_3.1.1~ US~appfocus5&param4=bing~Firefox~pyramid+ frauds+on+facebook% 2c+ instagram%2c+twitter+and+other+social+media   

I have been doing Federal and State income taxes for 23 years.    You had better be pretty well to do better than I have.    I am a lot better at my business than I was when I began.    Thought that I was pretty smart.    However, no matter how smart you may think you are, YOU will IMPROVE AND BECOME MORE KNOWLEDGEABLE as time goes on.     You will be approached:  there are many PYRAMID SCHEMES, and I will list the exposed ones later.   “THE WOODS ARE FULL OF ‘EM”,  as Dad used to say about the hustlers.    When these SWINDLERS approach and tell  you that you will make an ocean liner’s size of moola, you had best do YOUR RESEARCH and CHECK IT OUT with those who have been in the business or knew loved ones and/or friends who had been stung!   CON AMERICA, MARKET AMERICA, HERBALIFE, FOR U,  ALPINE, MARY KAY, USANA, WAMWAY-QUIXTAR,  MELALEUCA, PIMCO, PREPAID LEGAL, and many others, you are a CUSTOMER, NOT an independent contractor.  YOU are a CUSTOMER to be VICTIMIZED, TAKEN, HAVE THE LIFEBLOOD SUCKED OUT OF YOU, PERMANENT POVERTY, FAMILY HURT, EVEN DESTROYED!   YOU do not “get trained”   YOU are TOLD that you must pay.  WHAT!  SAY AGAIN!!   If you decide to work for insurance firms farmers, allstate, state farm, new york life and the overwhelming majority, if not ALL of the insurance companies, mutual fund companies, stock fund companies, or any entity {IRS Form 8832 }, you are trained and taken care of FOR NO FEE(S).     You are interviewed and screened prior to being selected.   Crime vs America does not SCREEN you to see if you show promise.   YOU are a sucker fish, to be drained of all of your savings, in their crooked, evil, totally depraved minds.   REMEMBER:   YOU DO NOT PAY TO BE ABLE TO WORK!!   Any “company”, enterprise, corporation, concern that tells you TO PAY in order to be “an independent contractor” or an employee is SCAM, A SIN-SICK JOKE AND A CONTRIVED FRAUD!!   If you decide to work for me,  I am NOT going to ask you to pay in order to go to work!!    You are looking for work, and, if you have to pay in order to work, you tell the lassie or lad that “if I could pay, I wouldn’t be looking for work.   THAT is NOT difficult at all to understand.   If you are looking for work, it is because you are BROKE and willing to put up with the dislike of having to work for SOME ONE ELSE, and not your own self.   You CANNOT just work for someone else – ESPECIALLY IF IT IS A PYRAMID! –  and make a wealthy living by ENRICHING THE FOUNDERS OF THE SCAM SCRUM EVIL CRIMINAL HEINOUS ABOMINABLE LOATHSOME IMPOSTER SHAM PYRAMID FRAUD!!!   

When I was younger, I ran in to one of these scurrilous, ruinous jokers.   It was an outfit that incorporated themselves as  “Terminal Employment”,  in Jacksonville, Florida, U.S.A.    On the application, a question was asked:   “how will you pay our fee?”    AHEM!!    WHY do I have to pay YOU when you PROMISE VIA YOUR ADS THAT YOU ARE GIVING ME WORK, HENCE, PAYING ME?!  You CANNOT be a wage earner and make hundreds of thousands, OR EVEN MILLIONS,  as termite – con PIRACY DONE TO America { and now the primerica WICKED PIRATING HAS SPREAD TO MANY COUNTRIES } promises you!!!   THAT PYRAMID SCHME PATCH OF BLUE SKY OUTFIT PRESSURES YOU TO BUY A POLICY!   WHAT?!!   What about good treatment, employee discount rates, occasional specials, raises, bonuses, as you told me that I am a “sales leader”  of con America, market con America, wamway, herbalife, mary kay, prepaid legal, Prepaid legal, fitness this, fitness that, usana, nutrition this, nutrition that, and so on?    NO! NO! NO!   YOU ARE in truth, a CUSTOMER, and, as a CUSTOMER, you are to be SUCKED DRY by the initiators of this PYRAMID SCAM CON!   IF you get leads, they are for your upline!!    The criminals DOUBLE CROSS you and grab your leads!!  You ARE NOT an “independent contractor”!!   You DO NOT OWN A “BUSINESS” WITH CONversus  AMERICA,  as I will discuss further down this column:     https://find.irs.gov/search?utf8=%3F&affiliate=irs-fp&query=INDEPENDENT+CONTRACTOR&commit=Search

PIRATE VS. AMERICA hate-drivens, conjuror summonor  of PYRAMIDS:   ATTENTION:   YOU!  PIRATE VS. AMERICA FLIMFLAM TRANSGRESSORS:  I do NOT recommend your ATTEMPTING TO KNOCK DOWN THE IRS WEBSITE.You will be CAUGHT and you will be CLOBBERED FOR MUCH MORE THAN AN IRS OFFICE AUDIT!!   Internal Revenue Service { IRS } TAKE NOTICE!!   CON AMERICA IS TELLING THEIR VICTIMS THAT THEY ARE AN “INDEPENDENT CONTRACTOR” WHEN THE VICTIMS ARE NOT and CON AMERICA IS NOT  taking taxes out of you IN AN ATTEMPT TO UPHOLD THE MISREPRESENTATION FRAUD!!   IT IS EXTORTION BY PIRATE VS. AMERICA, AND THEY LIE TO YOU IN AN ATTEMPT TO UPHOLD THEIR FRAUD BARRATRY!    YOU ARE NOT AN “INDEPENDENT CONTRACTOR”,  HENCE CON AMERICA HAS TO TAKE FICA { FEDERAL INSURANCE CORPORATION OF AMERICA ~ NICE NAME FOR SOCIAL INSECURITY ~ TAX, FEDERAL TAXES, STATE TAXES, LOCAL TAX WHERE APPLICABLE ~ OUT OF YOUR PAY.   ALSO, CON AMERICA IS SUPPOSED TO OFFER YOU A PROFIT SHARING OR SOME RETIREMENT PLAN AND SOME SORT OF MEDICAL PLAN.   IRS TAKE NOTICE!!    THIS CHICANERY HAS BEEN COMMITTED FOR 41 YEARS AND IS STILL BEING PERPETRATED !!!

https://www.fbi.gov/scams-and-safety/common-fraud-schemes

I did NOT receive a Form 1099- MISC, nor Form 1099-S, nor Form 1099-K, nor Form 1098, 5498, Form 1099- PATR, nor Form 1220 from a.l.williams, nor from any client.

https://www.irs.gov/businesses/small-businesses-self-employed/am-i- required-to-file-a-form-1099-or-other-information-return?_ga=1.1373 66514.338220267.1472492985

I had to fill in Line 22 { it was Line 22 for that particular Federal income tax year } to report my income.   If you FAILED TO FILL IN your income from con America or from any client { provided you made any sales that were not charged back or any sales at all!! }, YOU will be AUDITED by the IRS and YOU will have to pay interest and penalty on all of your sales!   con America WILL NOT help you in this regard!    crime against America WILL NOT mail you any form PROVING that you had a CHARGE BACK and can hence subtract the CHARGE BACK from your income!!   YOU do NOT have your own business with con America!   YOU are not even an employee from one standpoint.   You are in THE CROSS HAIRS OF A MAFIA CON MAN, BUNKO, FLEECING, VARMIT PREDATORS PLOT.  This is TRUE  with the regional vice-presidents { RVPs } and senior regional vice-presidents { srvps } as well, even though THEY HAVE TO RENT OFFICE SPACE AND HAVE TO PAY THE RENT OR LEASES OUT OF THEIR OWN POCKET!   RUIAs if this were not surreptitious enough, CON AMERICA does not even mail you a W-2, even though you are an employee!!!   PIRATE VERSUS America hides and swindles and is even attempting to deceive the IRS!!!!   IRS take notice!!   Had I not reported my sales to the IRS, I would have been AUDITED AND I would’ve lost, then, I would have been assessed interest AND penalty { penalties, depending upon how long it takes the IRS to catch you. }    When I kept the books for a client prior to  the couple selling their business, they were accused by the IRS of not placing their deposits for Federal income tax and FICA tax in to the bank on time.   I negotiated with the IRS and they agreed to waive penalty, but NOT the interest.    I have my own business.   The couple were clients.    Had I not reported my income to the IRS, I would NOT have been able to get out of the penalty(s) imposed upon you by the IRS.      https://www.irs.gov/pub/irs-pdf/i1099msc.pdf

YOU ARE NOT AN “INDEPENDENT CONTRACTOR” WITH THE FLIM-FLAM RACKET, SCURRILOUS CRIME VS. AMERICA!   YOU DO NOT OWN YOUR OWN BUSINESS!!   YOU ARE A CUSTOMER !   IT IS, IN REALITY, THAT YOU ARE A RAPED VICTIM.   YOU ARE TO BE EXPLOITED FOR THE LOVE OF FILTHY LUCRE.   YOU ARE  ROBBED BECAUSE A VARMIT WANTS TO MAKE MONEY OFF OF SOME ONE ELSE’S LABOR.   YOU ARE A CUSTOMER, which, to these filthy PIRATES, means that you are a sucker.   This applies to you AND the people you attempt to sell to!!   AND THE FOUNDERS AND SHYSTERS AT THE TOP OF THIS PYRAMID COVET YOUR hard earned money, EVEN IF YOU ARE PENNILESS.  THEY WANT TO SUCK THE LIFEBLOOD OUT OF YOU!!   AND, YOU WILL BE TAKEN, as these unscrupulous PIRATES seek to SWIPE away what ever money these CUSTOMERS and potential customers have.   Potential customers mean your LEADS!    These without any conscience ROBBERS will take your leads!!!   CON AMERICA has been PROVEN to be a PYRAMID, thoroughly fleecing, cheating, chiseling, dishonest, swindling, bamboozling, defrauding, hoodwinking, beguiling, gouging you, hustling, bunko artist, skinning, suck you dry, rook you racket!   You cannot label con America an honest corporation.    Con America is a racket, bunko, PIRATE game, and YOU are the one being skinned.     consult the Rock

FIRST, AND I BELIEVE FOREMOST:  IT IS A CONFIDENCE MAN’S NEFARIOUS HOAX!  You are NOT paid based on your education, perception, talent, innovation or even very hard work!!!!    SORRY, but it needs to be repeated, briefly:     IF I need to hire employees for my income tax business, I DON’T SURREPTITIOUSLY HIRE WORKERS TO GET OTHER UNNEEDED WORKERS!!    I have an honest, real, legitimate business.   If I launch a restaurant, truck rental firm, cell fone rental firm, public storage firm with a decent-sized space for 40/month and not upwards of 300/month {!!};   tow broken down cars for $25 United States Dollars {USD}  per tow and not 250 {OR WORSE!} USD ;   rent out houses, computers, computer time, equipment rental firm,  consulting firm, “energy saving houses”, develop ferries to cross rivers and lakes – what have you – I AM GOING TO DO THE ADVERTISING.   IF I need one worker, or two,  I hire one or two.   I DO NOT have my worker “recruit, recruit, recruit” other workers!    Why?   It should be obvious.   If my employees “recruit, recruit” in order to have sales, those recruited will make no earnings whatsoever.   When you have a cook, party chief, stock broker, newsletter publisher, salesman – anything – who can perform the task, he is not going to “RECRUIT, RECRUIT”  additional workers!   HOW WILL THESE ADDITIONAL, UNNEEDED EMPLOYEES BE PAID??   There’s no need for additional employee “RECRUITS” { SEDUCING NAME for HARASSING SOLICITATION! }, therefore, those “recruited” are able to RECEIVE NO PAY AT ALL!!   IT IS ILLEGAL TO “HIRE” souls and NOT to pay them!!   THAT should be SIMPLE ENOUGH to comprehend.  IF an employee quits, moves or retires, I am NOT going to “RECRUIT, RECRUIT, RECRUIT”  NOR DECEIVE my employees to run out and  “RECRUIT, RECRUIT, RECRUIT”!   I am going to do what any businessman would do:   evaluate as to whether I need to have the position, have an employee work both the computer rental, internet time rental, whatever phases of my business, or do it myself.   That’s real business.   CON AMERICA IS NOT, NOT, NOT A REAL BUSINESS, NOR IS IT POSSIBLE FOR CON AMERICA TO BE SO.   HENCE, ONE IS ABLE NOW TO VERY CLEARLY SEE HOW IMMORAL AND EVIL THESE CON ARTIST SHAMANISTS ARE!!     Let’s make it even CLEARER.    If I run a restaurant, I DO NOT, nor is it even COMMON SENSE, to have more than one cook when that cook can do the job himself.   I do not have more than one cashier if he can handle the flow himself.   If a ROBOT can do the job without mistakes, I FIRE the cashier or cook, OR, give him another position IF that will make my business have more gross sales, or be more profitable, or both.   THAT really CLARIFIES this!    Then the laid off employee is FREE to launch an endeavor and pursue the great American dream.   Provided taxes decline and oppressive brain dead bureaucrat regulation is banned, the laid off employee can start his own business and hire what employees he needs.   He may develop a better robot and sell the better robot to me!    If he is honest, he is NOT going to tell his employees to  “RECRUIT, RECRUIT, RECRUIT”, as THAT would obviously be FOOLISH, IMMORAL, DISHONEST, REPREHENSIBLE and EVIL.  I am NOT going to ask my employees to  “RECRUIT, RECRUIT, RECRUIT, NOR am I going to ask any independent contractors that I have to remodel my building, whatever, ever, ever to  “RECRUIT, RECRUIT, RECRUIT”!!   WHY would those “independent contractors” “RECRUIT, RECRUIT” when they can fulfill the job assigned to them??    HOW could they PAY these recruits, recruits, recruits?!    A slice of the money would go to me in that sin-sick scenario.   I would NEVER do that, nor would any “independent contractor” do that!   Yet THAT IS PRECISELY WHAT THE PIRATE VS. AMERICA LYING, CONNING, PLOTTING, BILKING, SHYSTER, PYRAMID SCHEMERS ARE DOING!!!!   The independent contractors are working to earn money from me as I agreed to allow them to do the job assigned, PROVIDED, of course, that they do a honest, complete, with no flaws, an excellent job.    I DO NOT, NOR would it make BUSINESS ACUMEN for me to ask those independent contractors to  “RECRUIT, RECRUIT” more workers for the job!!     Who’s going to pay them?    NOT them.   NOT I.   The independent contractors have no funds to pay them until they earn their money from me.   They will not get rich working for me.    Were that possible, I would do the job(s) myself, as any entrepreneur with brains would.

I DO the advertising, earn the sales and THE GOOD WILL of my customers and potential customers.   IF I reach my goals, I can pay the one, two, or however many employees that I hire and not have to fire them.   I DO NOT NEED { OR EVEN WANT } ANY ADDITIONAL EMPLOYEES OR “independent contractors” !!   I do the advertising at MY expense, NOT, NOT, NOT at the EXPENSE AND SALACIOUS WASTE OF TIME FOR my employee (s) to “recruit, recruit”, hence, DESTROYING THE HEALTH AND  WEL-BEING EMPLOYEES AND THESE “RECRUITS”!!!    THAT SCURRILOUS, NEFARIOUS CONCOCTION RUINS MY GOOD NAME AND THE WELFARE AND POTENTIAL OF MY EMPLOYEES AND THE “RECRUITED, RECRUITED, RECRUITED”,  WHO, in rock-ribbed FACT, HAVE NO PLACE IN MY COMPANY BECAUSE I DO NOT NEED THEM, CANNOT PAY THEM, THEREFORE, IT WOULD BE BRAIN DEAD OF ME TO EVEN ATTEMPT TO PAY THEM!    WHY PAY them?     IT IS A LOATHSOME WASTE OF TIME  for my EMPLOYEE AND FOR THE “RECRUITED, RECRUITED, RECRUITED” !!   I WOULD NOT, DO NOT, WILL NOT RUIN THE LIVES OF OTHERS by telling them to “recruit, recruit, recruit”,  as that would RUIN their morale;   RUIN them financially sometimes for 20, 30, 40 years EVEN FOR LIFE – more often than on rare occasions!!   I can, and will make the sales honestly.  When the Salvation Army doesn’t have enough volunteers to do their work, the tax deferred entity pays helpers.   These seasonal employees do not “RECRUIT, RECRUIT”  more workers for the job!!     Who’s going to pay them?    NOT them.   They have no money.   ALL of the money donated to the Salvation Army bell ringers ultimately goes to help the needy families and the homeless and the orphaned children.   There’s no money to pay these seasonal employees to “RECRUIT, RECRUIT, RECRUIT”.    It makes no sense, and hiring unnecessary EMPLOYEES goes against ALL KNOWLEDGE of business know how, efficiency, workmanship, operating a business, cracking the whip, sound financial management, and so on and so forth.   HENCE, the only way to “pay them” is to SKIM, GYP, ROB, CHEAT, UNDERPAY, CHARGE UNNECESSARY FEES, LIE, CONCEAL WHAT THEY MAKE AS OPPOSED TO WHAT YOU THE RECRUIT MAKES, NOT COVER WHAT IS SUPPOSED TO BE COVERED, ROB THE HELP VIA INTERNET FEES, NOT PAYING OFF ON THEIR REQUIRED INSURANCE POLICIES THAT YOU PURCHASED, NO RENEWAL COMMISSIONS { THE CONS AT THE TOP OF THE CONCEIVED PYRAMID TAKE IT ALL }, AND SO ON AND SO FORTH AD NAUSEUM.   MORE on this matter of how “recruits, recruits” can be paid in my future points!
I know a lady who is a dentist.    She makes approximately $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.     Yours truly is not supposed to be seeing any better than 20/200.     Yours truly is 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.   CON America CONNIVING CONFIDENCE WOMEN AND MEN DON’T EARN THEIR MONEY:   FACE IT!!   Awake, thou that sleepest:  Ephesians 5:14    They are indeed, 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??    And yet, THAT is PRECISELY what con America and the “multi-marketing” pyramid firms are!!!

I charge my Federal and State { where applicable } income tax clients and first time clients based upon how much I have to use my brain;   a 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 PEOPLE IN ORDER TO MAKE THEM SUCKERS!!   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 FRAUDyou are paid BASED upon the aforementioned.   In the PIRATE,  LIES AGAINST AMERICA PYRAMID FRAUD SCHEME, AND IN ANY OTHER CONFIDENCE MAN TRICK, you are paid based upon what you can “RECRUIT, RECRUIT” and the willingness to stay SELF-DECEIVED in the captive { slave – CONSULT THE Rock } market.    More on that later.   For lying, excuses, misfires, alibi con America apologists to say that a hoax purveyor, shark, pyramid plot is a “verified, trusted business” is A CRIME!  AND YOU, Megedson, head of ripoff report, are no exception!   YOU CONNIVE with the evil intent of DECEIVING the reading public!!!    forbes and warburg-pincus WOULD NEVER give a confidence man PYRAMID FRAUD an “A+ star rating”!!!   THAT IS A CRUEL LIE, HOAX, NEFARIOUS FRAUD!   IF forbes and warburg-pincus did, it is, you already know, the common “scratch my back and I will scratch your back”.   It is “grease the wheel”   You know what I am saying to you.

Now, briefly, again, sorry, I will be repetitious.   But it does NEED REPEATING!!   IF I need to hire employees for my income tax business, I DO NOT SURREPTITIOUSLY HIRE WORKERS TO GET OTHER UNNEEDED WORKERS!!    I have an honest, real, legitimate business.   If I launch a restaurant, truck rental firm, cell fone rental firm, public storage firm with a decent-sized space for 50/month and not upwards of 300/month {!!};   tow broken down cars for $25 United States Dollars {USD}  per tow and not 250  {OR WORSE!}  USD ;   rent out houses, rent a computer, rent out internet time, allow the use of my phone for 40 cents a call, sell baseball cards, do inventory for you without a computer so you KNOW how much inventory, sales, purchases you really have;    a consulting firm to plan ahead on your income taxes – what have you – I AM GOING TO DO THE ADVERTISING.   IF I need one worker, or two, or 3,  I hire one or two or 3.   I DO NOT have my worker  “RECRUIT, RECRUIT, RECRUIT” other workers!    Why?   It should be obvious.   If my employees “RECRUIT, RECRUIT, RECRUIT” in order to have sales, those recruited will make no earnings whatsoever.   When you have a cook who can perform the task, he is not going to “recruit, recruit” additional workers!   HOW WILL THESE ADDITIONAL, UNNEEDED EMPLOYEES BE PAID??   There’s no need for additional employee “RECRUITS”  seducing sounding name for HARASSING SOLICITATION! }, therefore, those “recruited” are able to RECEIVE NO PAY AT ALL!!  IT IS ILLEGAL TO “HIRE” souls and NOT to pay them!!  Should be simple enough to comprehend.    HENCE, ONE IS ABLE NOW TO VERY CLEARLY SEE HOW IMMORAL AND EVIL THESE CON ARTISTS ARE!!   I do the advertising, earn the sales and THE GOOD WILL of my customers and potential customers.   IF I reach my goals, I can pay the one, 2 or 3 employees that I hire and not have to fire them.   I DO NOT NEED { OR EVEN WANT } ANY ADDITIONAL EMPLOYEES OR “independent contractors”!!   I do the advertising at MY EXPENSE, NOT, NOT, NOT at the EXPENSE AND SALACIOUS WASTE OF TIME FOR my employee (s) to “recruit, recruit”, hence, DESTROYING THE HEALTH AND  WELL-BEING OF MY EMPLOYEES AND THESE “RECRUITS“!!!    THAT SCURRILOUS, NEFARIOUS CONCOCTION RUINS MY GOOD NAME AND THE WELFARE AND POTENTIAL OF MY EMPLOYEES AND THE “RECRUITED, RECRUITED, RECRUITED”,  WHO, in rock-ribbed FACT, HAVE NO PLACE IN MY COMPANY BECAUSE I DO NOT NEED THEM, CANNOT PAY THEM, THEREFORE, IT WOULD BE BRAIN DEAD OF ME TO EVEN ATTEMPT TO PAY THEM!    WHY PAY them?   I bring in the customers, serve them, EARN good will for now AND THE FUTURE and earn money to feed my family.    IT is a LOATHSOME WASTE OF TIME for my EMPLOYEE AND FOR THE “RECRUITED, RECRUITED, RECRUITED“!!   I WOULD NOT, DO NOT, WILL NOT RUIN THE LIVES OF OTHERS by telling them to “recruit, recruit, recruit”,  as that would RUIN their morale;  RUIN them financially, sometimes for 20, 30, 40 years EVEN FOR LIFE on NOT so rare occasions!!   I can, and will make the sales honestly.     https://Nextaxpro.wordpress.com/2008/09/12/primerica-a-l-williams-is-fraudulent-pyramiding-it-is-very-very-evil-att-now-abominable    

FOOTNOTE TO THIS POINT #1.  I WILL CALL IT ONE A:   If you commence your own firm, YOU LOSE YOUR CAPTIVE DOWN-LINE with the CON MEN WHO HATCHED OUT OF THE TONGUE OF SATAN THIS BOILER ROOM EXTORTION of initially called “a.l. wiliams” IN 1977!  THE PLOTTERS OF THIS CANCER make the money and it is off of your down-line AND OFF OF YOU!!    a.l. williams, a fraudster who called himself “hubert humphrey and their partners in sin and the thugs who bought from a.l. williams then changed the name of the FRAUD to “primerica” to get the money.   A man who called himself “weill” may have been in on the founding;  I will get confirmation whether this be so.

http://www.fourwinds10.net/siterun_data/business/corporate_fraud/news.php?q=1224542089

THEY and their partners in crime,  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!

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

SECONDLY, YOU must “recruit, recruit”  other victims so that you can be paid.    Please note the previous point.    “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:   “RECRUIT, RECRUIT, RECRUIT”.    You are DRUMMED with PROPAGANDA AND BRAINWASHING!   You keep hearing “RECRUIT, RECRUIT, RECRUIT”!   If 5 recruit 5, and they recruit 5, after ONLY THIRTEEN LEVELS of “recruit, recruit, recruit”,    you have 6,103,515,625 souls recruiting!    That’s over 6 BILLION!    THAT’S MORE THAN THE ENTIRE WORLD POPULACE!!!!!     After ONLY 13 levels of “recruit, recruit, recruit”!!     Sounds a lot like wamway.    wamway tells you that if you get 6 – that means following only 12 levels of recruitment, you have more than the entire world populace!

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, con America,  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 wind up stating:   “I’m having to go to the homeless shelter because I cannot meet my house payments” or “I cannot pay my rent”.     Crime against America rvps and srvps do not care.   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 ” up line” – knows that you are going to hear the truth about con America.   You will become very discouraged, very, very quickly.   Thus, your “superiors”  have to hold something back to insure you remain in the trap that they have attempted to trap you in.   And the longer you are in the trap, the more desperate you become to make a sale!

FOURTHLY, you are told {or frequently NOT told and all the implications of that!}  that YOU MUST HAVE $25 to $45 STOLEN FROM YOUR BANK ACCOUNT EVERY SINGLE MONTH!!!!   WHY??!    This is such a great opportunity and you are in a  “500 billion dollar company”, depending upon how large of a lie your so-called superior told to you.    Citigroup is down to 120 billion:   http://www.theirnetworth.com/Businesses/Citigroup

http://dealbook.nytimes.com/2011/12/13/citigroup-to-sell-remaining-primerica-stake/?_r=0

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 your “regional vice presidents” {rvps}  do not tell you that fact up front.  This means that you will be clubbed from  $25.00 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 conAmerica STEALS STEALS STEALS from your bank or credit union and you have to CANCEL your card and get a new 16 digit account number!   Their are testimonials about pirate America STEALING from new victims!!!   And now, you are strongly PRESSURED to buy  the “right” to get on their website at the cost of $25-45/month!!!!     No matter how well I do, I will never ask money to access my website.  You can bet your soul on that.    PIRATE AMERICA IS AGAINST FREE INTERNET!!!    Must be all devil rats {democrats }.   

FIFTHLY, you are NOT vested in any profit sharing plan after 6 months to 18 months of employment in this supposed “500 billion dollar corporation”.    Now Citigroup is down to 120B as of 2015:     http://www.theirnetworth.com/Businesses/Citigroup             http://dealbook.nytimes.com/2011/12/13/citigroup-to-sell-remaining-primerica-stake/?_r=0    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!    Citigroup had been trying to dump con America for a decade or longer.   They finally got rid of this garbage dump in  April, 2011, or a few months later, depending upon how long the evil lawyers and evil bankers held up proceedings in order to drag more money out of the parties.   Did you know that it costs over ONE MILLION DOLLARS to register a stock on the NYSE?

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

Citigroup was FINALLY able to divest itself entirely of con America in 2011.   It did not happen in only one transaction.   This was the last one:     http://dealbook.nytimes.com/2011/12/13/citigroup-to-sell-remaining-primerica-stake/?_r=0     

SIXTHLY, you are provided with NO death insurance, no medical insurance and no retirement nest egg, even after two or three months of employment, not even one with a large deductible.   You are told that you MUST buy an insurance policy with this “500 billion dollar company”!!    {  now down to 120B and DECLINING! – Posted on September 12, 2008 by  Nextaxpro   UPDATED since 2008.   http://www.theirnetworth.com/Businesses/Citigroup   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-$140 in gasoline per week 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 in some of the plans!!   And you are forbidden from doing business with any other company!

FURTHERMORE, you receive no discounts nor any future price break!!!   You pay RETAIL in the “500 billion dollar corporation approved by warburg pincus, blah, blah, blah ad nauseum!   Another DECEIT by pirate vs. America:   primerica was NOT, AND, IS NOT a “$B500 corporation!   Citigroup was. { at one time;  now less than 120 billion because this url is dated 2015 }:     http://www.theirnetworth.com/Businesses/Citigroup  

This  “multi-billion dollar corporation”  should be INSURING you and your family in gratitude for your putting in 100, 110, 120 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 possible or probable leads.    

SEVENTH, you can be demoted by your superior for any reason, including no reason.   Your commission levels would be reduced, also.    How’s THAT since you are an “independent contractor”?!   You are WORKING  for crime against America even though your  rvp doesn’t give you a W-2!!

EIGHTH,  when you become sick and tired of being treated unfairly, you have NO RECOURSE!     It’s in your contract that you are FORCED to sign and you cannot sell immediately!    You cannot go to the Department of Labor for redress!    IT IS IS IS IS IS A PYRAMID, NOT a real corporation, C corporation, S corporation, sole proprietorship, partnership, LLC, co-operative or tax deferred entity!  

NINTH, the commissions you make in this “office” can be AND GENERALLY ARE EVENTUALLY, 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 “CHARGE BACK” – which means you have to give your commission back!!   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 { not this boiler room pyramid }, you get paid and your company refunds the money to unhappy customers.   At this company – if you dignify it with that name –  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:      https://www.google.com/#safe=active&q=pyramid+schemes+now    But when you have to take a chargeback, YOU pay the entire CHARGE BACK!!     A triple blow!!!     I once knew an owner who had a franchise.   The fee was 4% of his gross receipts.   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 from con America!

TENTH,  you begin hearing – and finally FACING!! –  that the prices of crime vs. America product lines are too high;   higher than other term insurance marketing corporations!   You squirmed to not believe it because you were told that primerica was the best and had the lowest policies and rates.    That’s why you came to work for this “glorious company”.    But then, you felt like you were listening to the obamas, kennedys or bill and hitlery.    Pirate con America’s stories sounded fishy.   You AGONIZED:  telling yourself that this new revelation somehow cannot be real.   You REFUSE to face the FACT that you’ve been DUPED.   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, AND IS EVEN MORE SO today at con AMERICA!

ELEVENTH, YOU CANNOT DEDUCT your expenses because you are an EMPLOYEE, NO MATTER WHAT THE CON ARTISTS TELL YOU!!    YOU are NOT an independent contractor!!    YOU are a customer of their shark cheating, teeth!    You are NOT AN INDEPENDENT CONTRACTOR!!   The pirate lies against America DECEIVERS will tell you “you are so!   Any attorney, contractor, subcontractor, outsourced operation, coach, player, charity, co-operative representative,  politician, even a relative for that matter is able to be fired”.  If this iss etched in stone in con America, why then  no 1099-MISC??   You will not be given one, nor will the persons you sold policies and/or securities to will send one to the IRS, much, much less send to you a copy.     WHY NO 1099-MISC?     Thus it follows that YOU CANNOT DEDUCT ANY OF YOUR EXPENSES ON A SCHEDULE C.     Sooner or late, the IRS will accuse you of FRAUD.    Furthermore, when the IRS accuses YOU of FRAUD, the IRS can go back AS MANY YEARS AS THEY WISH!!    “But the IRS says ‘there was a fire in the office warehouse in 1980’.    I don’t have my 1980 Federal income tax returns { and State:   applicable in 44 States } any longer.   My cpa said I only had to keep for 3 years”.     IRS will say “that’s your problem, not ours”.     And, believe me, the IRS can do what ever they please.    I had to report my sales on Line 20 in that particular income tax year.   The a.l. williams fraudsters did not tell me.   Nor did they ever send me a W-2.    And, believe me, they surely did not send me a 1099-MISC, 1099-Q, or any Form at all!!!

TWELFTH, what about profit sharing or some retirement plan???   ANY retirement plan!  Last I’ve heard from reliable sources, they have an annuity that pays a HORRIBLY LOW PERCENTAGE OF INTEREST AND CRIME VS. AMERICA GENERALLY BREAKS THEIR PROMISES TO PAY!!!

THIRTEENTH, you are told you will NOT be paid until you obtain a license.    You ATTEMPT to REASON with your regional vice-president {rvp} that:   “nothing was said that you have to have a license to work here.    And, you already have my communist insecurity number”.    Well, you were FINALLY told AFTER the sleazy one got you all excited about making  50,000, 200,000 or even more  { less than .0020 do.  THAT’S ONE FIFTH OF ONE PER CENT, incidentally }.    Since you are not even an EMPLOYEE { CON AMERICA NEVER EVER HAD THE ELEMENTARY DECENCY TO SEND ME A W-2! },  WHY DO I HAVE TO PAY FEES BEFORE I EVEN RECEIVE MY VERY FIRST PAYCHECK?   FREQUENTLY, what happens is NO PAY NOR ANYTHING ELSE AT ALL!   DOES THIS SEEM FAIR TO YOU?!

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 AMERICA CHARGES MORE IF THE RVP OR SRVP THINKS YOU ARE STUPID.  Consult the ROCK }

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, hence draining my profit margin.    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.    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, con America.   Therefore, if it does not apply to pyramid schemes – including con America, AND, 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.    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?

Twenty-second, INTERNAL REVENUE SERVICE TAKE NOTICE!!    The RVPs and RSVPs said I couldn’t sell on the first visit.  In other words, the  upline wants to STEAL the policies that you sold by selling out from under you  BEFORE you can pay the prospect a second visit!!!    The RSVPs gave orders and had control as to how the work was to be carried out.   Was I allowed to sell different insurance and securities plans than what a.l. williams, inc. offered?   No.   Hence,I was an employee.   Where’s my severance and vacation pay?    Social insecurity contributions by a.l. williams, inc?   THAT really took nerve!!   To put in my heart and soul and they say you must turn your license in? For what!?!    What ingratitute, exploitation, skimming, criminal, abominable, scheming, heinous, brazen devils.    Give me punitive damages in advance.  Got any conscience?   Yeah, you do.  You have the evil conscience of Ponzi!    –  1Timothy 4:2, Hebrews 10:22

Twenty, third –  SHILLS.     an accomplice of a hawker, gambler, or swindler who acts as an enthusiastic customer to entice or encourage others.    That is a shill.   It is “FAKE IT UNTIL YOU MAKE IT “.     AND THAT IS NO WAY TO CONDUCT A BUSINESS!   CRIME VS.  AMERICA has used and continues to employ DISHONEST nefarious swindlers at their “pep rallies” and meetings that sales reps and rvps have with their victims and “picked out” victims.    Times haven’t changed.   It is the same confidence man ruse and CON AMERICA women and men use what bidders do at auctions and what card game swindlers commit.   CON VS. AMERICA HAS to “load the dice”.    The svrps and rvps KNOW that the public is becoming more and more aware of these pyramid scurrilous con games.   “FAKE IT UNTIL YOU MAKE IT ” { !!!!  }

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

CON PIRATE CRIME VS. AMERICA – MILICO – a.l. williams make restitution now!    CON PIRATE VS. AMERICA PYRAMID BOILER ROOM SHYSTER NEFARIOUS SHARK HAS BEEN DUMPED BY CITIGROUP AS OF 2011.   What will happen to the employees  { NOT “independent contractors” } ??   HO HO HO.   Food for thought, whether con versus America admits to it or runs from the facts!    a.l. williams rvps wanted me to buy a policy!   WHAT!!  CUCKOO! CUCKOO!     We were NOT allowed to close the sale on the first visit!!    WHAT!!!    The srvps did!   The rvps did!   THEY STOLE YOUR CLIENT THAT YOU WOULD HAVE HAD!!   THINK about what these varmits OWE their sales representatives over the period of 4 decades since 1976!!   It runs in to the BILLIONS OF DOLLARS.   Hence, I was an employee.    WHERE WAS my workers compensation 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 CON primerica bought a.l. williams?   WHAT’S the big deal  if a potential customer asks if I have a policy myself?     If I work for Burger Chef, I can go to burger king without intimidation or retaliation,  and CON PIRATE VS. AMERICA retaliates in the worst way, by the way.    If I am going to work for you, you are going to give me a policy with riders, for no charge.   I’m an employee.   Of course I have  a policy.   You gave it to me.   You had better.   If you don’t, you are trying to make me BUY a policy.  You know you are nothing but a lying con man, lowdown, double crossing, slick tongued, unscrupulous, four flushing, slick willie, surreptitious, SCURRILOUS, NEFARIOUS, shyster 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, senior regional vice-presidents, regional vice-presidents and senior national sales directors?   What deception!   What hucksterism!   What dishonesty!   

https://www.searchincognito.com/search?eq=46rLWlE7Qnr9d3Iy Cr029Po1oOUHgiwW8o7fY%2F%2FvT4U%3D

AND, WHAT I MENTIONED PREVIOUSLY,  A GOOD EXAMPLE IS #3.    IF it’s not a pyramid scheme, why do 99.82%  { 1500% more realistically, as many go right back in to the FRAUD and fail again!!   I have friends who have foolishly done this.   A few were talked in to it;  the majority went willingly “to the gallows”.   Also, see above }  or more of the reps who try “multi-level marketing” wind up with a DEFICIT after you figure expenses for the “guaranteed easy wealth” of this “multi-billion dollar corporation?!    Would you continue working for a corporation   { oops!   A gang of pirates – NOT a corporation } – wherewith you had to pay fees  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 crooked slave master.   An honest day’s pay for an honest day’s work.   Be up front.  Sam Walton was.  Bill Gates was, well, more or less.   He asked the 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 fee (or higher) and the usury regarding the loans. And, pirate usually doesn’t give you your due refund, any way.   NOT without a lot of pressure, stalling, and, after 6-18 months, you MIGHT, FINALLY, receive your refund.   And, with no interest, by the way.   A.G. Carnegie, J.P. Getty, Benjamin Franklin, Robert E. Lee, Billy Sunday, Donald Trump, senior, Donald Trump, junior;  J.C. Penney,  Ronald Reagan,  J, Paul Getty, Ray Kroc, Sam Walton, 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 pirate America 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 con America, Citigroup, Milico.     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

https://www.google.com/#safe=active&q=pyramid+schemes+now

CON and FRAUD AGAINST AMERICA – A.L. WILLIAMS IS FRAUDULENT PYRAMIDING.    IT IS VERY, VERY EVIL.
http://www.Jesus-is-Savior.com

OK.  NOW WE WILL MOVE TO CON FRAUDS:

LET’S MAKE IT SIMPLE  for those who do not read have time to read all of this expose for the present.    READ OVER AND OVER WHEN YOU HAVE TIME AND INFORM YOUR LOVED ONES AND CLOSE FRIENDS OF THIS SITE.   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”.

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 con AMERICA!    Crime against America and many corners of the world has been, and is NOW proven to be a pyramid, thoroughly fleecing, cheating, dishonest, through and through, swindling, bamboozle, defrauding, hoodwinking, chiseling, beguiling, gouging, hustling, bunko artist, skinning, suck you dry, rook you, racket.   You cannot label con America an honest corporation.   pirate vs. America is a racket bunko game.   consult the Rock }      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 were an employee, NOT an independent contractor as I was told by my rvp!

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

Would you continue working for a sham dummy 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, Ronald Reagan, Donald trump, senior, Donald trump, junior, Ray Kroc,  J. C. Penney were.   Bill Gates was – well, somewhat.   He asked the workers to accept shares of stock.   Those who did not want his promises could walk away.   Pirate against America PRESSURES YOU TO STAY WITH THE SKUNK FIRM WITH THREATS OF NO REFUND OF YOUR $199.00 { OR HIGHER }, AND 29.50 { OR HIGHER } FOR EVERY TIME YOU ACCESS primerica’s website!!!   Also, the “background investigation { OF WHICH THERE IS NOT!!! },  PREPARATION FOR THE EXAMINATION { 104.50 }, THE EXAMINATION ITSELF { $40, OR HIGHER! }.   More on this later. Also, the usury regarding primerica’s loans to their employees.   They are NOT independent contractors!!   A company does not loan out money to independent contractors, for a very obvious reason.
   Donald Trump, senior, Donald Trump, junior, A.G. Carnegie, J. Paul Getty,
Benjamin Franklin, Henry Ford, Alexander Hamilton, Donald Trump senior, Donald Trump junior,  Thomas Edison, Ronald Reagan, Sam Walton, Ray Kroc 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 con versus America 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.   ripoffreport.com { Sam Magedson }  won’t publish any more exposes, but the documentation is still there despite what Ripoff report SURREPTITIOUSLY sticks into virtually every single title in con America, Citigroup, Milico   { Massachusetts Indemnity Life Insurance Company }!

And that’s not all.   NO REAL “C” CORPORATION, LLC, “S” CORPORATION, PARTNERSHIP,  CHARITY, CO-OPERATIVE, CARTEL is shaped like a pyramid, as apologists ignorantly say.   Is a sole proprietorship a pyramid???  Most know better:   they are LYING TO YOU.    They only explanation for such statements is  Why Johnny Can’t Read,    Why Johnny Can’t WriteWhy Johnny Can’t do Math 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 EVERY SINGLE MINUTE 24/7!
Proprietor
|
Laborers who see the inefficiency in the plant/office and know what’s going on.
|
Secretary
|
Courier-Errand boy
|
Guy who reports directly to me, cracks the whip on those I cannot supervise directly
|
Engineering
|
Advertising Exec   { you don’t absolutely HAVE to have the chiefs at the top and the Indians at the bottom, like the nitwit Primerica 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 con 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 consult the Rock. }
FIND THE pyramid   Furthermore, remember that NO partnership is able to be 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?   I am thankful I did not submit to any background investigation and I did not purchase a policy.   Would I have gotten my money back??    Ha!!    Another fraud on the part of Crime against America.  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.   con America defenders will cease and desist now from defending that nefarious pyramid scheme.    And that’s precisely what multi-level marketing is.   Put your money where your mouth is.   Pay me my 3 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   

Nextaxpro’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.   AND, the company is likely to have merged, been merged, bought and the previous contracts made void by a staff of unscrupulous attorneys!   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 invest or enroll in some sort of profit sharing or stock or mutual fund or stock mutual fund plan, then 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.       

http://www.pissedconsumer.com/consumer-reviews/insurance/formerly-a.l.-williams-complaint-%11-insurance-companies-2007030539870.html

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

All of the search engines have PRIMERICA } CON AMERICA } FRAUD APOLOGISTS “UP FRONT” and “forcing” consumer protection websites and exposes of PIRATE VS. AMERICA further down to “accomplish” the decent websites not receiving hits!  YOU, THE DEFENDERS OF THIS MASSIVE RACKET – YOUR INPUT MEANS DECEPTION, BROKEN LIVES, BROKEN DREAMS, BROKEN FAMILIES.   The input of consumer protection websites and exegises mean a tremendous amount of good in fighting evil.  Some of you out there have expertise and know computer engineers.    We can do something about these SCAMMERS, LIARS AND DECEIVERS WHO WANT OTHERS TO BE BEGUILED!   THE CONS ARE VOLUNTEERS OR, ARE BEING PAID A TINY STIPEND TO SUPPOSEDLY REBUKE THE TRUTH!  THESE SPURIOUS, SHALLOW, SUPERFICIAL, POMPOUS HOODWINKERS  ARE JUST AS EVIL AS THOSE WHO INITIALLY SPIT OUT THIS SURREPTITIOUS HOCUS-POCUS!!  THEY ARE CONTRIBUTING TO THE RUINATION OF HUMAN LIVES VIA THEIR LIES AND NEFARIOUS PROMISES!

The federal communication communication { FCC }, the federal trade commission {  FTC }, the federal bureau of investigation { FBI}, the department of the Treasury, the securities and exchange commision {SEC}, and others are RESPONSIBLE to “drain the swamp”, TO PROTECT the innocent and place an effective END TO ALL PYRAMID CONS.   Congress, the judges and these agencies are A DISGRACE.   THEY DO NOTHING, as I will discuss farther down this page.  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  

In my life,  as a 9 year old, I brought out a table along with the baseball cards that I did not want.    Sold them for under the price that the stores were selling them for.    As a 9 year old boy, I learned the following important lessons to doing business:

A.   ALWAYS, ALWAYS, ALWAYS TELL THE TRUTH.  If my customers asked if there was bubble gum, I told the truth:  “sorry, I do not have bubble gum to place inside the packages”.      B.    Sell below your competition.     C.   STRIKE OUT THROUGH THE FOG!     DON’T LISTEN to the doubters.      D.    Other  people’s money { often  times called “OPM” }    If you can’t  build it yourself, use others.    I  had no idea how to manufacture baseball cards.    So I used the baseball cards that I had { previously invested capital }.          E.  Expect the unexpected.   Some of the girls said “do you have Red Sox?”     I had to tell them “I am not sure”.     ALWAYS TELL THE TRUTH!  The girls bought more packages to find Red Sox players!           F.   BE HONEST.    I have said it twice before, BUT IT IS WORTH REPEATING:     ALWAYS TELL THE TRUTH!

HORRIFYING!!  HORRIFIC!!   INJUSTICE!!!   POLICYHOLDERS NOT GETTING THEIR INHERITANCES BECAUSE OF PIRATE AMERICA ABOMINATIONS!!    AGENT SEDUCES HUSBAND and many other atrocities!!   UNBELIEVABLE!!   https://www.consumeraffairs.com/employment/primerica.html

FIRST:  THINK CON AMERICA AGENTS KNOW WHAT THEY ARE IN TO?   This entire post may be worthy of you printing out, placing side by side and examining.  It consists of PFS Truth, then comes a very weak and very poor rebuttal by a Primerica apologist, then PFS truth blows the pirate vs. America 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 fraud vs. America bolshevik agents plagiarized his/her name and CONCEIVED AND PUBLISHED LIES pumping up con AGAINST America!!!!! }  on 04-04-2008 18:14     You see  Primerica agents { SIC: } I have been where you are, {sic:  were} {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.  I PROVED IT above }.   conAMERICA IS A PYRAMID.  THE PRESSURE IS TO RECRUIT.   YOU EARN VIA WHAT IS CALLED A “DOWNLINE”,  NOT getting more victims, although that is part of it.   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 and the rvps and srvps don’t care.    IT IS EVEN WORSE WITH  a.l.wILLIAMS, NOW conAMERICA!   YOU ARE ALLOWED NOTHING UNTIL YOU RECEIVE YOUR LICENSE, WHICH YOU PAY FOR.    THIS IS NOT TRUE WITH REAL COMPANIES THAT TRAIN YOU AND KNOW YOU HAVE POTENTIAL consult the Rock}
1.  It is not a pyramid scheme  { don’t bet your soul.  It has proven to be a pyramid, thoroughly fleecing, cheating, dishonest, through and through, swindling, bamboozle, defrauding, hoodwinking, chiseling, beguiling, gouging, hustling, bunko artist, skinning, suck you dry, rook you racket.   You cannot label con America an honest corporation.    con America is a racket bunko game.    – consult the Rock }
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 -consult the Rock}  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  { SIC:  at  – consult the Rock } products you sell to the client:
1.  Primerica is NOT the largest seller of Term Life Insurance … AIG is … look it up.     { probably northwestern mutual or Metropolitan  is first.   Depends upon whether you rate by assets or writers of policies -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.   That’s what I told a con America agent who CHEATED HIS OWN MOTHER!!!!!! -consult the Rock}    Remember you are trying to SAVE them money.  Some Return of Premium Products are less expensive then {sic – consult the Rock } Primerica Term.   You are hurting your client.  After knowing that { sic:  comma here  – consult the Rock }   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. { sic: ? }  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%),   { SORRY, you are wrong at this juncture.   I’ve had death insurance agents tell me that.   Very nearly all of they are stepped in propaganda and, no matter how convincing I am, they cannot see:  Rocky }  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. -consult the Rock}
5.  You are taught with your mortgages to say “Interest Rates do not matter” or “Ours are calculated differently” …  { ha ha ha ha ha ha ha ha ha – Rocky }    If it doesn’t matter then why not give them a competitive one.{?}    I also dare you to put that in writing,{ sic: period -Rocky}  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 $103.95)   {if 103.95 now, not for long.    Plus, remember, Primerica pays for nothing, reimburses you for nothing, steals from your bank account $25/month 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 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. { NO   I have proof!  -Rocky }   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
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!
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 crime against America nut who “rebutted”  didn’t even know!!   I mean, SHE DOES NOT EVEN KNOW that she is about to lose her policyholders, contests, AND leads.  Pitiful. }   You primerica captive agents own nothing.    IT’S PROVEN IN POINT NUMBER 4 and 14 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!   They are called independent agents!  – Rocky }

3. You have to give up a “leg” (your MOST productive team) to become an {sic } 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 { SIC:  the following – Rocky}    if  {sic -Rocky }  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  { SIC:   period or semicolon – consult the Rock } 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 floorman and the seminar speaker forgot all about that – CONSULT the Rock  } .… 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 has a non-compete clause in it …. Which means try to leave for something better … see how nasty your old “friends” get.   {O 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}
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 the majority of 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 down-line.   And you stay with such an evil abominable boiler room conceived darkness!    You ought to be ashamed of yourself!   You ought to be exposing con America 19 hours a day.  – consult the Rock}
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 you get no override …. Doesn’t that make you want to keep people below you {HERE means 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) and they only get 25% ….. the RVP get 95% …. So the RVP gets 70% of something … they may not have been there for { years – consult the Rock } ….. doesn’t sound fair … I thought Primerica did what was right “100% of the time” {!!!!  And at the end, con America STEALS your reginal vice – president money and position and gives it to one of their friends!!!     Check out the complaints BEFORE you apologize for con America!!   – consult the Rock}
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 { d sic } 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) …. Most companies give that stuff out free{.}                             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?)

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 – Independent Business Associate ) … 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.

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

https://wordpress.com/post/Nextaxpro. wordpress.com/6

Consult the Rock’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.    

From one who woke up in time:   “I already feel deceived.   I’ve never heard of a legitimate honest job that requires you to put down at least $100 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?    wmway 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 } $99 & 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???  WHY did they cover this up! }

MAY BE the reason Ripoff Report has ceased publishing exposes and complaints regarding Primerica:
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.  “proven, trusted company”.    A lot of souls and not stupid and neither am I AFTER BEING DECEIVED FOR 7 MONTHS.      http://primerica.pissedconsumer.com/primerica-3a-one-recruit-s-reflection-2c-2yrs-later-20080808130739.html

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 Primerica recruits will believe anything.   This is really pitiful.   This is awful.   -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) {yiiiiiiiiiiiiiiiiii !!!!!  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   { It is more now -consult the Rock}
5th – 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 fraud  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   { It’s a scheme;   hatched by DIABOLICAL POUS SURREPTITIOUS DAKRmen and women whom have seared their conscience:  – 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 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       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 thief coprophagous –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 for the most part by:  Written by vtch786, aka PFS Truth,   A nefarious, seared conscience fraud, liar, con America 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

crime against 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.
    {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 Primerica 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!}           http://primerica.pissedconsumer.com/primerica-2bjob-opportunity-3drun-20080204112362.html

http://www.pissedconsumer.com/consumer-reviews/insurance/formerly-a.l.-williams-complaint-%11-insurance-companies-2007030539870.html
https://nextaxpro.wordpress.com

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

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

Primerica 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.    
THIS WAS KNOCKED DOWN BY LYING, DECEITFUL, EVIL, SURREPTITIOUS, VILE, HEINOUS, CRIMINAL, FRADUSTER, SHYSTER, SHARK CON AMERICA APOLOGISTS AFRAID OF LOSING RECRUTIS AND POTENTIAL RECRUITS!!! :  

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!  Oh ho ho ho ho ho ho ho ho A ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha! – consult the Rock}   http://primerica.pissedconsumer.com/primerica-2bjob-opportunity-3drun-20080204112362.html

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

The author is quite knowledgeable.    Cannot find the name of the author on the website:   “A thorough response to “Termites” had 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 relevant 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 { annually -consult the Rock } 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?”   { amway wamway pushes this hard and unceasingly – CONSULT THE Rock }
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?    { Sounds like what was done to me!!!   – consult the Rock }
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 wiell 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 Primerica 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 con VERSUS America, and feeding the up-line 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 kaleidoscope of plans.

MY EXPOSE HAS BEEN DEEMED “PORNOGRAPHIC”, “OBSCENE” OR SOMETHING.   IT IS GONE!    CON AMERICA FRAUDSTERS CONVINCED OR BRIBED  … .consumer.com  knocked my expose` down! :
http://www.pissedconsumer.com/consumer-reviews/insurance/formerly-a.l.-williams-complaint-%11-insurance-companies-2007030539870.html

https://wordpress.com/post/Nextaxpro.wordpress.com/ 6

Now we will move further in to the pyramid boiler room scheme confidence man frauds:   Would YOU go to work in an office after being told “you really fit this position.   And, it will be very 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 50,000, 200,000 or even more {less than .0025 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.   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 against 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!}  YOU MUST HAVE $29.50 to $40 STOLEN FROM YOUR BANK ACCOUNT EVERY SINGLE MONTH!!!!!!   WHY??!   LISTEN TO ME!!   con America has waxed worse and worse!    LISTEN TO ME!!    If this is such a great opportunity and you are in a 120, 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 3 months now, but you have to allow pirate vs. America 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, retirement, pension or IRA or ESOP  plan after 3 TO 12 months of employment in this supposed 500 billion dollar corporation.    No health insurance or HSA, either.   I’ve still received nothing for all my toil for A.L. Williams.  

Sixth, you are provided with NO life and health insurance after two or three months of employment, not even one with a large deductible.   You are told that you MUST buy an insurance policy with this 500 billion dollar company!!  { NOT WORTH THAT MUCH ANY LONGER   http://www.theirnetworth.com/Businesses/Citigroup    WHAT!!!!!     When you franchise, you get the merchandise for free.   My friend who franchised a restaurant did.   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 downline!!    WHAT LIARS THESE GARBAGE ARE!!!    You do the “hiring” for your upline 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 downline 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 { actually 120 B and DECLINING! }      http://www.theirnetworth.com/Businesses/Citigroup

that should be insuring you and your family in gratitude for your putting in 90, 100, 120 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 Primerica 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.    And this is only the beginning.  I’ve learned that rvps and svps,  when they tell their upline they are going to retire have ALL of their leads, underline, commissions STRIPPED from them!!   That is the rawest, cruelest, atrocious, lowdown, varmit, outlaw, double crossing, double dealing,  raping of the rep and his family;  abominable, heinous criminal STEALING and PROMISE BREAKING ever!

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! 

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!!    And, you have no overrides to give!!!    You receive ZERO ZILTCH NYET renewal commissions and they tell you that is a good thing!!     OK, does con America make up for it with a pension?   NO NO NO!!!    You are walking, then gaiting, then galloping, 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 shyster, abominable flim flam, you not only do not get paid, and, when you make a commission, YOU and NOT your company, have to refund to the 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 upline.   But when you have to take a chargeback, YOU pay the entire charge-back!!    A triple blow!!     I think one or both of the pastors I sold to discontinued the policy after a couple years.   A.L. Williams did not attempt to tell me I have to give my commission back.   Good thing for him is all I can say.   He owes me so much in commissions because someone else sold in my “protected territory”;  my time and I’ve received no retirement, 401(k), profit sharing, pension – nothing, ziltch, nada, nyet, nein!     And don’t allow any fraudulent apologist tell you that you have your own business!!!   You are only PERMITTED to advertise what con against America allows you to advertise.   You are not allowed to recruit except where con VERSUS America tells you where you can recruit.  You are not allowed to have an office except where conAmerica allows you to rent or own an office.  You pay out of your own pocket.    IF you become a rvp, you MUST have an office, even though insurance reps sell out of their car.  All you need is a computer, literature and sample policies.   And you don’t get a free policy with riders;  not even a discount!
Tenth, you begin hearing, then confirming, that the prices of your companies product lines are too high.  You do not believe it because you were told that we had the lowest rates in all features.   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 CON AMERICA!

Eleventh:   What about profit sharing??    You are told that you are doing a W, humanitarian service to the customers { actually, recruitees.  That’s what they drive in to you }.    You receive a commission the first year, and first year ONLY!    What about renewals?   You don’t get those!  OK, then, what about profit sharing if the customer continues to pay the premium(s)?   con against America and the world keeps what you are supposed to be receiving!    As if that were not terrible enough, you are CHARGED BACK if the customers do not pay!!   A double whammy!!   You CAN be charged back because con America has your ss # !!!   conAmerica will tell you that they have to have your ss # so that they can do a “background check”.   THAT’S A LIE LIE LIE!!   They never do a background check!!    They get your money.   You are a customer;  a VICTIM in this sham.   They don’t need to do a background check.   They have your SS # !!  See my expose section on communist insecurity and how communist insecurity has enslaved you!   They have your money.    They have your ss #.   Therefore, the possibility of them STEALING from your bank account, credit card account, wages or tax return is there.

Twelfth, you get RAPED by these vile, heinous, evil CRIMINALS in this so-called glorious, praise the Lord hallelujah “enterprise”.   Read the testimonials.   I have some here and on:     https://wordpress.com/post/nextaxpro.wordpress.com/168          https://wordpress.com/post/nextaxpro.wordpress.com/6  

Thirteenth,   you are NOT , REPEAT NOT, NOT, NOT paid based upon the talents, skills, education, background that you may have.    You DO NOT get paid based upon how hard you work.    I was young;  I listened to bonnie floorman, rvp – LIES.    I worked all of the time;   that is what you do when you sell life insurance.   You can work 110 to 125 hours a week.   You still will make no money to even speak of when you have no protected territory!    You can easily go upwards of a year without making one ssale.    Who would want to do that?    Did J. Paul Getty, Rockefeller’s great-great-grandfather, Ronald Reagan, J. Pierpont Morgan, Henry Morgan,  Donald Trump, senior, Donald Trump, junior, Newt Gingrich, Robert Fulton, Eli Whitney,  Henry Ford, Paul Sears, Robert Leggett,  J.C. Penney, Ray Kroc, Sam Walton waste time pouring their brains and their talents down a bottomless rathole?    Of course not!    You do not make a fortune in this world by wasting time.    You do not make big money selling life insurance, or any thing else, for that matter, unless you are a talentless pothead or drunkard and sing incomprehensible, dirty lyrics that other drunkards, fornicators and potheads buy.    You make big money by INVENTION or INVESTMENT.    In other words, you do good for your family AND for future generations by INNOVATION, NOT by hatching up confidence man, crackpot, sleazy, slutty bathroom schemes designed to CHEAT humanity, RUIN SOULS FOR LIFE and retard progress!    THAT will not help and will eventually get you murdered or tossed in to prison.    You do not get away with cheating humans, lying to humans, conning humans, tricking humans.    You do not get away with it for long, mark my words.      To make money based upon how rabbit’s foot – lottery pushing – confidence man – card shark – tongues televangelists selling “prayer beads”,  SURREPTITIOUSLY sneak, prey and scheme to deceive, mislead, cheat and con, rob, rape, pillage, loot makes a man who would do that scum slime no better than a mafioso thug.

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 surgeon who operated on my eyes probably makes over one million now.   And boy, she earns it.    I am not supposed to be seeing any better than 20/200.   I am seeing 20/30.    I know a stockbroker who makes $200,000, or even better sometimes,  every year.    And, brother, he earns it.   I know a mechanical engineer who is now living in retirement quite well.   And boy, he earned it.   I know a man who earns his keep by developing businesses and doing everything honestly and morally.   He makes 225,000 annually, or better.    That brother earns it.   I have a close friend who is an expert at hardware, software, writing programs and solving workers computer problems.   He earns 84000, or better.    And, boy, is he ever worth more than that!   My urologist saved me from intense agony and fixed me up.   I am no longer in pain and no longer have to run to the rest room every 15 minutes.   He does better than 300,000 every year.    And, brother, does he ever earn it.   These hard working, honest souls EARN WHAT THEY MAKE.   THEY EARN THEIR KEEP HONESTLY AND MORALLY.    They did NOT work their way to being independently wealthy via  CONNING, DECEIT, TRICKERY, BEING EVASIVE, AVOIDING ANY DISCLOSURE, MUCH LESS COMPLETE DISCLOSURE to innocent souls;   PREYING ON INNOCENT SOULS;   SEARCHING FOR THEY HOPE WILL BE GULLIBLE SOULS!!!   THAT IS WHAT A.L. WILLIAMS AND HIS PARTNERS IN CRIME CONCEIVED IN THEIR WICKED HEARTS – JEREMIAH 17:9, GENESIS 6:5 – WHEN THEY SUMMONED UP THIS EVIL –  VEGAS – MAFIA TYPE CON WHORE – CON QUEER MAN SCHEME.  IT IS THE VILEST DEFAMATORY INSULT to base the amount of funds that you will make based upon how one ponders and CONNIVES IN ORDER TO deceive others!!!   But that is precisely what con America and many other “multi-marketing” firms are!    I charge my clients based upon how much I have to use my brain;   a fair solution —  based upon my knowledge, experience and how hard I work.    I NEVER get paid;   NEVER WILL GET PAID;  NEVER WILL ACCEPT PAY EVER based upon how well I lie to others!    That will never happen.    I was deceived by this CRIME when I was young.   Never again.    At any company that is not a pyramid fraud, you are paid BASED upon the aforementioned.     In the CON AMERICA PYRAMID, AND, WITHIN ANY OTHER PYRAMID, YOU ARE PIRATED, AND, THE BARBARISM IS BASED UPON HOW SUCCESSFUL YOU ARE IN CONNIVING, PLOTTING AND DECEIVING! – based upon what you can “recruit, recruit, recruit” and the willingness to stay in the captive { slave -Rocky } market!    If you start your own firm, YOU LOSE YOUR CAPTIVE DOWN-LINE!    The con men { they surely were NOT teachers in the true sense of the word! } started this boiler room extortion 39  years ago.    These merchants of ruin make the money off of their down-line, HENCE, OFF OF YOU!    a.l. williams and his so-called “teachers”  PARTNERS IN CRIME and wiell and the other souls of questionable repute who bought from him and called the fraud “primerica”  get the money.     THEY and their robber baron buddies make the money.    You will NOT make any money in this extortionist, abominable, mafia type scheme.     No matter how hard I worked, I made no money in this heinous pyramid boiler room mirage.    No matter how hard you work, you will NOT make money.    Half the world has been approached 5, 10, 15 times and upwards numbers of times by those forced into conning and attempting to con the public.    You cannot make money in this hellhole, any more than you would have had a chance making money in wamway since the middle 1960s.   

You DO NOT get paid based upon how hard you work in this sinsick mind pyramid fraudulent, immoral, surreptitious anti- mindset!!!    I was young;   I listened to bonnie floorman’s LIES.    I worked all of the time;   that is what you do when you sell death insurance.   You can work 110 to 125 hours a week.   I did. You still will make NO money to even speak of.    You can easily go upwards of a year without making one sale.    Who would want to do that?    Did J. Paul Getty, Rockefeller’s great-great-grandfather, Ronald Reagan,  J. Pierpont Morgan, Henry Morgan,  Donald Trump, senior, Donald Trump, junior, Henry Ford, Ray Kroc, Sam Walton waste time pouring their brains and their talents down a bottomless rat  hole?    Of course not!    You do make a fortune in this world by wasting time.    You do not make big money selling life insurance, or any thing else, for that matter, unless you are a numbskull pothead or drunkard and sing incomprehensible lyrics that other drunkards, fornicators and potheads buy.    You make big money by INVENTION or INVESTMENT.    In other words, you do good for your family AND for future generations by INNOVATION, NOT by hatching up con man, crackpot, bathroom schemes designed to CHEAT humanity and retard progress!    THAT will not help and will eventually get you murdered or tossed in to prison.    You do not get away with cheating humans, lying to humans, conning humans, tricking humans.    You do not get away with it for long, mark my words.      To make money based upon how rabbit’s foot you sneak and scheme to deceive, mislead, cheat and con makes a man who would do that scumslime no better than a mafioso thug.  

IF I need to hire employees for my income tax business, I DON’T SURREPTITIOUSLY HIRE WORKERS TO GET OTHER UNNEEDED WORKERS!!    I have an honest, real, legitimate business.   If I launch a restaurant, truck rental firm, cell fone rental firm, public storage firm with a decent-sized space for 50/month and not upwards of 300/month {!!};   tow broken down cars for $25 United States Dollars {USD}  per tow and not 250 {OR WORSE!} USD ;   rent out houses, rent a computer, rent out computer time, equipment rental firm,  consulting firm, “energy saving houses” – what have you – I AM GOING TO DO THE ADVERTISING.   IF I need one worker, or two,  I hire one or two.   I DO NOT have my worker “recruit, recruit, recruit” other workers!    Why?   It should be obvious.   If my employees “recruit, recruit” in order to have sales, those recruited will make no earnings whatsoever.   When you have a cook who can perform the task, he is not going to “recruit, recruit” additional workers!   HOW WILL THESE ADDITIONAL, UN-NEEDED EMPLOYEES BE PAID??   There’s no need for additional employee “RECRUITS”  seducing sounding name for HARASSING SOLICITATION! }, therefore, those “recruited” are able to RECEIVE NO PAY AT ALL!!  IT IS ILLEGAL TO “HIRE” souls and NOT to pay them!!Should be simple enough to comprehend.    HENCE, ONE IS ABLE NOW TO VERY CLEARLY SEE HOW IMMORAL AND EVIL THESE CON ARTISTS ARE!!   I do the advertising, earn the sales and THE GOOD WILL of my customers and potential customers.   IF I reach my goals, I can pay the one, 2 or 3 employees that I hire and not have to fire them.   I DO NOT NEED { OR EVEN WANT } ANY ADDITIONAL EMPLOYEES OR “independent contractors”!!   I do the advertising at MY expense, NOT, NOT, NOT at the EXPENSE AND SALACIOUS WASTE OF TIME FOR my employee (s) to “recruit, recruit”, hence, DESTROYING THE HEALTH AND  WEL-BEING OF MY EMPLOYEES AND THESE “RECRUITS”!!!    THAT SCURRILOUS, NEFARIOUS CONCOCTION RUINS MY GOOD NAME AND THE WELFARE AND POTENTIAL OF MY EMPLOYEES AND THE “RECRUITED, RECRUITED, RECRUITED”, WHO, in rock-ribbed FACT, HAVE NO PLACE IN MY COMPANY BECAUSE I DO NOT NEED THEM, CANNOT PAY THEM, THEREFORE, IT WOULD BE BRAIN DEAD OF ME TO EVEN ATTEMPT TO PAY THEM!    WHY PAY them?   I bring in the customers, serve them, EARN good will for now AND THE FUTURE and earn money to feed my family.    IT is a LOATHSOME WASTE OF TIME for my EMPLOYEE AND FOR THE “RECRUITED, RECRUITED, RECRUITED”!!   I WOULD NOT, DO NOT, WILL NOT RUIN THE LIVES OF OTHERS by telling them to “recruit, recruit, recruit”,  as that would RUIN their morale;  RUIN them financially, sometimes for 20, 30, 40 years EVEN FOR LIFE more often than on rare occasions!!   I can, and will make the sales honestly. 

 “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!!!!  Owwww!!!!  That hurts!!!!}

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PIRATE VS. AMERICA – milico – a. l. williams WILL make restitution to me!   PYRAMID – SCANDALOUS – OBSCENE – SALACIOUS – RIBALD – OPPROBRIOUS – OUTRAGEOUS – VEGAS – BOILER ROOM A.L. WILLIAMS BONNIE FLOORMAN AND HER SECRETARY, JUST AS CON AMERICA THIS DAY WANTED ME AND EXPECT YOU TO BUY BUY BUY A POLICY !!!!  WHAT!!!!   AND PRIOR TO I OR ANY ONE MAKING ANY COMMISSIONS???   WHAT!!!!  CUCKOO!!   CLUC, CLUC, CLUK!  CUCKOO!    When I go to work for a company, I get their product for NO fee, or at employee discount rates, or FREE following a month or two of employment,  or coupons or internet specials, ESPECIALLY when I become a REGIONAL VICE PRESIDENT {rvp} OR A SENIOR VICE PRESIDENT {svp}.    KAPISH?   WO BU WEI SOU?     Do you comprehend???    Is there some thing you do NOT understand??     You say PIRATE VS. AMERICA is the same as any other company.    ALL of the FACTS state THE LOUDEST otherwise.    WHY am I a customer to be “drained”?   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.    a.l. williams and the sales directors did!!!!   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, employee stock option plan, et cetera^?    How much was the stock bought for, price per 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 for no charge!!    You gave it to me, or you better have!    If you don’t, you are trying to make me BUY a policy.   You know that 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 no charge.    Is that fair?   Of course that’s fair.   You are not only going to provide profit sharing, free health insurance, accrued vacation time, but you GOING TO GIVE ME SOME REWARD NOW FOR MY HARD WORK FOR YOUR COMPANY.   YOU HAD BETTER.   IT IS ONLY FAIR.   BUY an OVER-PRICED POLICY TO HELP INDECENT, DESPICABLE REPROACHFUL REPROBATE CRIMINALS AT THE TIPPITY TOP AND NATIONAL SALES DIRECTORS, SENIOR REGIONAL VICE PRESIDENTS AND REGIONAL VICE PRESIDENTS??   I DON’T THINK SO!!   THIS VERY EYE-OPENING EXPOSE` HAS BEEN KNOCKED DOWN BY PIRATE VS. AMERICA DEFENDERS:    THAT’S RIGHT.   THE SEC CAUGHT THEM AT LEAST ONCE.   YOU ARE BEING PREVENTED FROM SEEING WHAT CON AMERICA DID!!!    CON AMERICA APOLOGISTS HAVE KNOCKED DOWN THE SEC WEBSITE THAT EXPOSED FRAUD BILK CRIME AGAINST  America.

If you just do a goggle or bing or yahoo search on   PRIMERICA FRAUD

http://www.complaintsboard.com/complaints/primerica-atlanta-georgia-c116563.html

YOU  WILL GET RESULTS.   You just need to sort through the LIES that the pirate vs. America apologists stuck in.

An agent with a. l. williams told me that many sales representatives { reps } are pastors.    Now FAGbook, linkedin, disqus, instagram, et cetera^  are seedbeds for desperate reps to attempt to trick and deceiv “recruits, recruits, recruits”.    It is easy to believe you need “supplemental income” when you are NOT trusting the LORD for your support – consult the Rock.   The average commissions for a Primerica agent is $225,.00 and the average commission  BECOMES A NEGATIVE as only 0.025% of the RVPs, and SRVPs make 7 figure commissions and overrides { and probable kickbacks from chargebacks on their representatives!!!  Now, THAT is a sobering truth!!! }.  If it’s not multi-level marketing, why do 98.5%  {1500% more realistically;  see above} or more of the reps who try pyramiding wind up with a DEFICIT after you figure your expenses to get in to and to stay with the program?!    This is MUCH MORE TRUE TODAY WHAT WITH CON AMERICA CONCEIVING – SEEMINGLY EVERY MONTH!!! – NEW FEES, AS I AM GOING TO DETAIL.  Would YOU continue working for a corporation wherewith you HAD TO PAY FEES MONTH AFTER MONTH AFTER MONTH WITH NO END IN SIGHT:  EARNING ZERO COMMISSIONS MONTH AFTER MONTH AFTER MONTH WITH NO END IN SIGHT??!!  Any company that pays only sales commissions without binding promises of BASE PAY, profit sharing or some retirement arrangement, preferred stock, stock, warrants, FREE health insurance, vacation accrual and some future reward for work performed is a slave master!!!!    COMPARE ALL OF THAT WITH CON AMERICA.   THAT TELLS YOU A BOOK OF KNOWLEDGE MANY TIMES OVER!!!    YOU now KNOW and I KNOW WHAT A.L. WILLIAMS DID, WHAT CON AMERICA HAS BEEN DOING AND STILL IS COMMITTING!!!!     An honest day’s pay for an honest day’s work.    Be up front.   Sam Walton was, Ray Kroc was, Donald Trump,senior and junior were, and are.   The elder Rockefeller { in the 1800s ~ NOT NOW!! }  Bill Gates was – more or less.   He asked the workers to accept shares of stock.  THAT was even better than a promissory note.   Those who did not want his promises could walk away.    Con America pressures you to stay with threats of no refund of your $199.00  (or more) and the usury regarding the loans.   SAM WALTON, Ray Kroc, Rockefeller of the 1800s, J.C. Penney, Bill Gates backed up their promises.   They did not puck 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 crime to America needs to do and has not, to date.   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 crime to America, Citigroup, Milico.    Not a pyramid?   Then CEASE STOP CEASE STOP telling the reps to “recruit, recruit, recruit”!!     AND THAT IS NOT ALL!   NO C CORPORATION, S CORPORATION, PARTNERSHIP, LLC OR SOLE PROPRIETORSHIP IS SHAPED AS OR LIKE A PYRAMID, AS FRAUD VS. AMERICA AND THE WORLD IGNORANTLY AND/OR DECEITFULLY SAY.   THE ONLY EXPLANATION FOR SUCH IDIOTIC TWADDLE IS:   Why Johnny Can’t ReadWhy Johnny Can’t WriteBeginning a business for Dummies, and other informative books.   You would have to be coach potato, on video games, dope, PCP and rock noise to make such a pitifully and pathetic ignorant statement as that!!!    Here’s a picture of a typical business, small business,  small “C” or “S” corporation.    You already know it, unless you believe in sorcery, sodomite rights, “new age”, evilution, global warming, too many people, too few trees, take the Bible out of the schools and allow child molesting, clapped up sodomites to teach and babysit your children and all the rest of the stinking rot:     Isaiah 5:20-23, Romans One, Revelation 14:9-11, et cetera^ :   – http://www.chick.com      

AND  lies the  press tells you every single minute!!  

Proprietor

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2-500 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

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Advertising Executive   ( you don’t absolutely HAVE to have the chiefs at the top and the Indians at the bottom, like the nitwitt Primerica 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 conAmerica 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 consult the Rock.)

Find the pyramid in my diagram there!   Furthermore, remember that NO partnership, S or C corporation, tax deferred entity, LLC is shaped like a pyramid.  If your product is decent, good, works, is honest and NOT an illegal, immoral, vile, evil pyramid, you are not going to flood the search engine with LIES defending a FRAUD so that your upline and NOT you make money.   Hence, what are YOU afraid of???    Hmmm?  The silence is deafening.  Every single souls knows.   Darkness is ALWAYS FEARFUL of TRUTH and LIGHT.   DARKNESS is always FEARFUL OF ALL TRUTH AND HAS TO MAINTAIN DECEPTION.    To be demanded by PIRATE VS. 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??   Supposedly aL williams is an open book.    You become so brainwashed you never question anything.   He never came to see any sales rep and he never called for meetings.   He can afford to pay the expenses.     CON America defenders will cease and desist now from defending that nefarious pyramid scheme.    And that’s precisely what multi-level marketing is.  It is NOT MULTI-LEVEL MARKETING!!!   IT IS A PYRAMID DARK SURREPTITIOUS LYING CONFIDENCE MAN SCHEME!!!    Put your money where your mouth is.    Pay me my 250 million consulting fee of the coming class action lawsuit, then defend your wicked, pyramid scheme that had impoverished me and HAS PERMANENTLY IMPOVERISHED HUNDREDS OF millions of others.   You would be put to death if you defended it in China.    market America,  For U, al pine,  market America, prepaid legal, wamway [now sometimes called Quixtar} is NOT allowed to pyramid in China.    If you do, you receive the death penalty.   I asked my ex-girl from mainland China whether the law violators are shot, hanged or placed in to the electric chair.    She made a face and stated “Piiish”.    For the uninitiated, that means a firing squad.    And now you know it, if you did not know beforehand.   And I know it.     INFORMATIVE EXPOSE REGARDING AN SEC INVESTIGATION OF CON AMERICA TAKEN DOWN BY CRIME VS. AMERICA TAWDRY SHYSTERS!!    http://www.sec.gov/cgi-bin/txt-srch-sec?text=Primerica&section=Entire+Website&sort=rank

CON AMERICA WILL BE OUT OF BUSINESS SOON!    MILICO WILL CEASE THEIR GUARANTEES!!!    THEN THERE’S NO WAY CON AMERICA CAN PAY OUT BENEFITS!    CON AMERICA HAS ALREADY BEEN PROSECUTED BY THE ATTORNEY GENERAL OF UTAH IN 2007.    The IRS, SEC, FTC, FBI, WILL SOON COMMENCE INVESTIGATING CON AMERICA AND CON TO AMERICA AND THE WORLD WILL BE FORCED OUT OF BUSINESS AND THEIR FOUNDERS IMPRISONED!!    THEY SHOULD BE THANKFUL THEY ARE NOT IN CHINA!    I ASKED MY FORMER GIRLFRIEND IF THE GOVERNMENT EXECUTES YOU FOR PYRAMID  SCHEMES IN CHINA.    SHE SAID LOUDLY, “PIISHH!!”.     THAT MEANS FIRING SQUAD, FOR THE UNENLIGHTENED.    – Consult the Rock

http://twitter.com/Nextaxpro

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“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 as serial murdering, child molesting, clapped up, disease ridden, devil possessed, hate driven, fecal eating,  urine drinking QUEER sin-sick perverts are being called ‘gay”, “bi”, “transgender”,  “femdom”, “crossdressers”, “homos”, “lesbians”.   And they use trash that are NOT words!    “homophobe”.   Ahem!!   I do not fear any man.  The fear of man bringeth a snare, but  whoso putteth his trust in the LORD shall be safe – Proverbs 29:25    It is NOT “aids”!     It is SRID: sodomite related immunity deficiency.   It is WOGS: Wrath of GOD Syndrome.   http://www.wnd.com/index.php?fa=PAGE.view&pageId=80220

A nefarious, surreptitious, abominable, horrific, ugly, leeching, pyramid, leeching boiler room scheme being called “multi-level marketing.   It is NOT marketing!!!    It is a shyster, con man, fraudulent, skimming, blood leeching, lowdown, varmit, abominable robbing YOU of your hard earned money and credit.   – consult the Rock

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ALL of the search engines have conAmerica fraud defenders AHEAD of the exposes of conAmerica.   Why?   What are those plights afraid of??    WHY have they have compromised their morals, assuming they have any?   They don’t want to lose victims as they are victims.  Hence, they feel that they have to deceive.     It is infinitely better to do the moral and honest thing and get out:   The good Book, the King James 1611 Bible.     Be able to live with yourself.    Cut your losses and get out.    The sooner you get out, the sooner you will be able to put your life back together with the LORD’S Help.     Some of you have expertise and know how computer engineering works.  We can do something about these pathetic perverts who will toss their morals out the window.    We can do something about these liars and deceivers, who are taking many to permanent poverty.     Just get out of the boiler room, leeching business.   I did.    I’m not any better than anybody else:    –  Romans 3:23, 1Timothy 1:15.     But when I see anything that is evil, I’m going to speak out against it, as you should.   The FCC, the DOL and our congressmen are a disgrace!    They do nothing about the pyramid schemes.      Write them, e-mail them.    Upwards of 99% of the time, they do not have the elementary decency to even answer!!!!    They are there to SERVE us.    They are solely motivated to bleed the public.

In 1979, a judge asked an attorney for wamway if their income depended upon recruits.    wamway LIED and said “no”.   The judge threw out the case against wamway.  It was a fiasco;  a total disgrace.   That judge had no right to practice law.     He had wamway on the ropes and wiped out, but let the pyramid fraud go!    wamway had been sued by men and women who knew that they could prove that amway was a pyramid scheme.   They proved it.   The judge let the wamway pyramid go any way!     It’s the old saying:   “IT’S WHO YOU KNOW, AND….. ”    We know what is right, but trained, harvard educated lawyers don’t. {!!!}    They’ve done a rabid job of serving satan.    They’ve seared their consciences and they call evil good and they call good evil:  Isaiah 5:20-23, 1Corinthians One, Two, Three, et cetera^.    They do nothing!

NOTICE AND ABSORB THE FOLLOWING PARAGRAPH!!!   herbalife was convicted of pyramiding but then a judge threw out the conviction!!    Herbalife was CONVICTED.    Their stock was STILL SELLING on the NYSE.  Symbol:  HLF.   Used to be on the nasdaq, symbol hflt.   That’s something to keep in mind!!!!      con America apologists do not tell you everything:   far, far, from that!     herbalife is STILL LISTED on the nyse!!!    it is still trading!!!      https://www.factsaboutherbalife.com/the-facts/the-herbalife-pyramid-scheme     http://www.factsaboutherbalife.com     Con America’s stock is selling at between 50 and 60.   But THAT is very misleading.   There could have been a reverse stock split.   primerica has traded between 20 and 60 over the past 5 years:    http://www.marketwatch.com/investing/stock/PRI     But THAT doesn’t tell you that the SEC and FTC could, at any time, launch an INVESTIGATION of FRAUD;  THE IRS could launch an INVESTIGATION OF INCOME TAX EVASION and con America stock could fall to 0.50/share – OR EVEN LOWER – AT ANY TIME.  Don’t believe?   Then you are not familiar with the stock markets.

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

HORRIFYING!!   POLICYHOLDERS NOT GETTING THEIR INHERITANCES BECAUSE OF con AMERICA ABOMINATIONS!!   AGENT SEDUCES HUSBAND!!  UNBELIEVABLE!!    https://primerica.pissedconsumer.com/primerica-agent-goal-was-to-seduce-husband-20080510120459.html

AT A MINIMUM, I WOULD HAVE MADE  12 SALES NOT COUNTING REFERRALS AND THE STANDARD OF LIVING has risen AT LEAST eightfold, not counting real estate and obamacare:    21600

COMMISSION ON 12 SALES ANNUAL RENEWALS { YES, A.L.WILLIAMS CONS YOU AND KEEPS THE RENEWALS!!    ALL OTHER DEATH INSURANCE AND DEATH INSURANCE- MUTUAL FUND COMPANIES GIVE THEIR INDEPENDENT AGENTS RENEWALS.   35 YEARS*    1,620,000

IF ONLY RECEIVED 75.00/RENEWAL: 19,440,000

IF RECEIVED 24 SALES FOR THE FUTURE AND HALF REFERRALS:     233,280,000

IF THOSE SALES HAD ONLY 12 REFERRALS: 33,592,320,000     THIRTY THREE BILLION.    BILLION DOLLARS.   SO YOU SEE HOW QUICKLY A PYRAMID SCHEME AND THEIR PROMISES ARE UNTENABLE AND CANNOT, REPEAT,   CANNOT WORK!

OWED ME BY A.L. WILLIAMS FOR MY TIME 90 HOURS/WEEK FOR 30 AT ONLY 25/HOUR: 67570

MY RETIREMENT: 30,000/MONTH

DON’T THINK CON AMERICA IS RIPPING YOU OFF?

SO YOU SEE THAT A PYRAMID SCHEME AS CON AMERICA SO OBVIOUSLY IS CANNOT WORK!!!    IN ADDITION TO THAT, Con AMERICA COMMITS CHARGEBACKS!!!   WHAT!!  THEY TELL ALL THAT A SALES REPRESENTATIVE FOR primerica MAKES TONS AND TONS OF MONEY AND SO WILL YOUR DOWN-LINE!!!    WHY CHARGEBACKS?!?!   AND con AMERICA PAYS YOU ZERO, ZERO, ZERO REWARDS AND ZERO FOR YOUR TIME!!!    Now, crime against America is actually loaning to their sales reps!    If con America cancels the debt, do those reps receive a 1099-C??

AND, GET THIS!    Con AMERICA,   a.l. williams, bonnie floorman NEVER, EVER TELL YOU THAT, IN ANY INDEPENDENT OPERATION, YOU RECEIVE A FAIR EVALUATION FOR THE CONTRIBUTION THAT YOU MADE TO THE COMPANY WELFARE AND BUSINESS GROWTH!  THEY NEVER TELL YOU THAT!!   THEY ARE LIKE ATTORNEYS:  THEY CONCEAL, DEFRAUD AND RAPE YOU AND STEAL YOUR BUSINESS AND KNOCK YOU OFF OF YOUR FEET!   Some never recover.     This was not told to the franchisees of Southland Corporation, either.   Southland, inc, was the former owner of 7-Eleven food chain convenience stores until Southland went bankrupt in 1990.

AND, VERY OBVIOUSLY, THEY DO NOT ASK:   SHOULD YOU BUY DEATH INSURANCE AT ALL?   IT IS NOT  “life insurance”!    Call it what it is:  fire insurance, theft insurance, valuables insurance, sick insurance, death insurance, accidental insurance, flood insurance, required by department of motor vehicles abominable moneys for the State insurance, et cetera^.      

23   Moreover as for me, God forbid that I should sin against the LORD in ceasing to pray for you: but I will teach you the good and the right way:   24  Only fear the LORD, and serve him in truth with all your heart: for consider how great things he hath done for you.  1SAMUEL 12:23-24:     THE WORLD WON’T.   con VERSUS AMERICA WON’T!   conAMERICA IS THE WORLD!!   DECEIVING YOU, DEFRAUDING YOU, LYING TO YOU,  STEALING FROM YOU!!!!

Being REPETITIOUS, HOWEVER, IT NEEDS TO BE REPEATED!   IF I need to hire employees for my income tax business, I DON’T SURREPTITIOUSLY HIRE WORKERS TO GET OTHER UNNEEDED WORKERS!!    I have an honest, real, legitimate business.   If I launch a restaurant, truck rental firm, cell fone rental firm, public storage firm with a decent-sized space for 50/month and not upwards of 300/month {!!};   tow broken down cars for $25 United States Dollars {USD}  per tow and not 250 {OR WORSE!} USD ;   rent out houses, rent a computer, rent out computer time, equipment rental firm,  consulting firm, “energy saving houses” – what have you – I AM GOING TO DO THE ADVERTISING.   IF I need one worker, or two, I hire one or two.   I DO NOT have my worker “recruit, recruit, recruit” other workers!    Why?   It should be obvious.   If my employees “recruit, recruit” in order to have sales, those recruited will make no earnings whatsoever.   When you have a cook who can perform the task, he is not going to “recruit, recruit” additional workers!   HOW WILL THESE ADDITIONAL, UNNEEDED EMPLOYEES BE PAID??   There’s no need for additional employee “RECRUITS”  seducing sounding name for HARASSING SOLICITATION! }, therefore, those “recruited” are able to RECEIVE NO PAY AT ALL!!  IT IS ILLEGAL TO “HIRE” souls and NOT to pay them!! Should be simple enough to understand.    HENCE, ONE IS ABLE NOW TO VERY CLEARLY SEE HOW IMMORAL AND EVIL THESE CON ARTISTS ARE!!   I do the advertising, earn the sales and THE GOOD WILL of my customers and potential customers.   IF I reach my goals, I can pay the one, 2 or 3 employees that I hire and not have to fire them.   I DO NOT NEED { OR EVEN WANT } ANY ADDITIONAL EMPLOYEES OR “independent contractors”!!   I do the advertising at MY EXPENSE, NOT, NOT, NOT at the EXPENSE AND SALACIOUS WASTE OF TIME FOR my employee (s) to “recruit, recruit”, hence, DESTROYING THE HEALTH AND  WELL BEING OF MY EMPLOYEES AND THESE “RECRUITS”!!!    THAT SCURRILOUS, NEFARIOUS CONCOCTION RUINS MY GOOD NAME AND THE WELFARE AND POTENTIAL OF MY EMPLOYEES AND THE “RECRUITED, RECRUITED, RECRUITED”, WHO, in rock-ribbed FACT, HAVE NO PLACE IN MY COMPANY BECAUSE I DO NOT NEED THEM, CANNOT PAY THEM, THEREFORE, IT WOULD BE BRAIN DEAD OF ME TO EVEN ATTEMPT TO PAY THEM!    WHY PAY them?   I bring in the customers, serve them, EARN good will for now AND THE FUTURE and earn money to feed my family.    IT is a LOATHSOME WASTE OF TIME for my EMPLOYEE AND FOR THE “RECRUITED, RECRUITED, RECRUITED”!!   I WOULD NOT, DO NOT, WILL NOT RUIN THE LIVES OF OTHERS by telling them to “recruit, recruit, recruit”,  as that would RUIN their morale;  RUIN them financially, sometimes for 20, 30, 40 years EVEN FOR LIFE more often than on rare occasions!!   I can, and will make the sales honestly.

THIRD in my TABLE OF CONTENTS:   

WHAT OTHERS HAVE TO REPORT.   I HAVE INSERTED WHEN THERE ARE ERRORS AND HELPFUL TIPS FROM MY EXPERIENCES AND, WHAT I HAVE LEARNED OVER THE YEARS.

“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!!!!!   You are 7 times more likely to be struck by lightning than to win at blackjack in vegas or win the lottery  – Rock }

HORRIFYING!!   POLICYHOLDERS NOT GETTING THEIR INHERITANCES BECAUSE OF con AMERICA ABOMINATIONS!!   AGENT SEDUCES HUSBAND!!  UNBELIEVABLE!!    –  

https://primerica.pissedconsumer.com/primerica-agent-goal-was-to-seduce-husband-20080510120459.html

https://www.consumeraffairs.com/employment/primerica.html

THINK con AMERICA AGENTS KNOW WHAT THEY ARE IN TO?    http://www.sequenceinc.com/fraudfiles/2008/04/the-pyramid-scheme-aspect-of-primerica-financial-services

https://Nextaxpro.wordpress.com/category/must-read-exposes/primerica-con-America

Original review:    Feb. 7, 2017:   This company is an absolute scam. The recruiter signed me up and withheld important information that there would be more than just a 99 dollar fee. I later found out doing my taxes 7 months later that they have been taking 25 dollars a month in addition to the 99 dollar fee that was supposed to be refunded to me the day after I was signed up and practically lied to. This Steven character is full of ** to put it nicely and his sole interest is scamming and making himself money.  ABSOLUTELY DISGRACEFUL.  He tried to tell me by signing up with only 99 dollars I would take a test to become a financial advisor with just as much credentials as our family friend who has been a Wells Fargo advisor for years.

I spoke with our family friend and he advised me to beware of this company and the next day I quickly told Steven I wanted nothing to do with his company. He promised a refund of my 99 dollars and I took his word.  Later like I said 7 months have gone by and I see that charge of 99 dollars wasn’t refunded and there was 25 dollar fees each month that was never explained.  They are professional hustlers. BEWARE!!!   I am trying to obtain my STOLEN funds and I’m having zero luck.  They have stopped answering my calls and emails, and Customer Service is a train wreck. STAY AWAY!

Karen of Durham, NC on Non-payment – My dad died 12/14/2016, all paperwork filed thru funeral home on 12/16/2016. This is 3/1/2017. I have not received my claim. I have on record calling 5 times to be on hold 15-45 min each time, if they answer at all. I have been told a different excuse each time. The newest is they have the wrong address for me, so the check was returned to them, yeah right, but no one called me to reconfirm my address. Ha… They verify your name, claim number, Phone number, DOB of deceased each time you call. But now they have wrong address… This company is a Fraud… must be something to be done. I will not quit.  ashley of Little Falls, NJ on Satisfaction Rating   0 

This company is an absolute scam.  The recruiter signed me up and withheld important information that there would be more than just a 99 dollar fee. I later found out doing my taxes 7 months later that they have been taking 25 dollars a month in addition to the 99 dollar fee that was supposed to be refunded to me the day after I was signed up and practically lied to. This Steven character is full of ** to put it nicely and his sole interest is scamming and making himself money. ABSOLUTELY DISGRACEFUL. He tried to tell me by signing up with only 99 dollars I would take a test to become a financial advisor with just as much credentials as our family friend who has been a Wells Fargo advisor for years.   I spoke with our family friend and he advised me to beware of this company and the next day I quickly told Steven I wanted nothing to do with his company.  He promised a refund of my 99 dollars and I took his word. Later like I said 7 months have gone by and I see that charge of 99 dollars wasn’t refunded and there was 25 dollar fees each month that was never explained. They are professional hustlers.  BEWARE!!!  I am trying to obtain my STOLEN funds and I’m having zero luck.  They have stopped answering my calls and emails, and Customer Service is a train wreck. STAY AWAY!
Jordan of Harper Woods, MI on Sat down for an initial policy review and comparison.    I was told that their policy was superior, I believed them as I know very little about life insurance.   I tentatively agreed to cancel my current policy and begin new policy pending a health exam.   I waited a few weeks to schedule the exam, but heard nothing from Primerica or their reps.   I got an approval letter from Corporate in the mail a few weeks later and saw money starting to be taken from my account.   I still hadn’t gotten a health exam which I thought was necessary to be approved.   I didn’t have a policy in my possession, yet month after month my account was debited.
I made multiple attempts to get my policy delivered, but was ignored. I made attempts to call and email my rep to stop payment on my account as I was paying for two life insurance policies as I had thought the new Primerica policy wasn’t going into effect yet.  Months later I am still trying to get a hold on my payments and cancel my account. This company is full of moonlighting insurance agents that don’t have time for you. I am sooo frustrated with this organization.

Yajaira of Pacoima, CA on Been with this “investment” company for over 7 years. Total waste of time. Gain like $100 in this amount of time. When I went to close the account on January 2017, I was charged a full year of investment $25 and $35 fee for closing it. This company is a total waste of time and money. Customer service rep Grace had no interest in helping. So, if you want to invest your money, do it somewhere else. This company will give you nothing.

Pamela of Tyler, TX on Satisfaction Rating  0  with zero being the lowest possible rating.

My mom had insurance with this company for years and paid. When she passed on 6/2016 we got papers showing insurance for her children to get a lump sum. I contacted the company, sent her death certificate and they said they couldn’t pay because of 1 paper she didn’t send in before she died  !!!!! – Nextaxpro }.    But she had paid up to the day before she passed.   Never will do business with this company. I got my insurance with another company.

Michael of Deer Park, NY on   Don’t pay attention to FAGbook Reviews;   I complained and my account was blocked.    Check You tube and you will notice the vast majority of the videos (up to 95%) are about “Recruiting” or introduction to the business or “Success Stories” of how much money they are making.  Very few videos about the real business they do, Term Life Insurance. They also claim you do not have to invest in inventory, BUT you have to pay $25.00 minimum for Primerica Online, their Web Application. Furthermore, you most likely feel force to buy their own Life Insurance which is rather overpriced compared to others. Ultimately, the decision to join is yours but if you decide to join, remember to keep the best contacts (family/friends) to yourself. Best wishes  Carol of Baltimore, MD on Satisfaction Rating:   1 WITH 5 being the HIGHEST rated:

**** NOW PLEASE VISIT SECTION TWO FOR MORE EXPOSES` REGARDING THE CRIMERICA CON VS. AMERICA CON MAN FRAUD SCAM SMELLY SLIMY CON VS. AMERICA SCRUM CANTANKEROUS, SCHEME MONTEBANK:

https://Nextaxpro.wordpress.com/category/primerica-section-two

https://wordpress.com/post/Nextaxpro.wordpress.com /5158

The noted French atheist, voltaire, died a frightening death.   Let me quote for you the exact record as published , “When voltaire felt the stroke that he realized must terminate in death, he was overpowered with remorse.    He at once sent for the priest, and wanted to be ‘reconciled with the church.’   His infidel flatterers hastened to his chamber to prevent his recantation;  but it was only to witness his ignominy and their own.  He cursed them to their faces;  and, as his distress was increased by their presence, he repeatedly and loudly exclaimed, ‘Begone!  It is you that have brought me to my present condition.   Leave me, I say; begone!   What a wretched glory is this which you have produced to me!’

“Hoping to allay his anguish by a written recantation, he had it prepared, signed it, and saw it witnessed.  But it was all unavailing. For two months he was tortured with such an agony as led him at times to gnash his teeth in impotent rage against God and man. At other times in plaintive accents, he would plead, ‘O, Christ! O, Lord Jesus!’ Then, turning his face, he would cry out, ‘I must die-abandoned of God and of men!’

“As his end drew near, his condition became so frightful that his infidel associates were afraid to approach his beside.  Still they guarded the door, that others might not know how awfully an infidel was compelled to die.  Even his nurse repeatedly said, ‘For all the wealth of Europe I would never see another infidel die.’   It was a scene of horror that lies beyond all exaggeration.   Such is the well-attested end of the one who had a natural sovereignty of intellect, excellent education, great wealth, and much earthly honor.” (Dying Testimonies of Saved and Unsaved by Rev. S B Shaw, pp. 49-50.)

Reading of such a dying experience is overwhelming, even to us who are secure in salvation.      Human emotions are a powerful source and no one can live and die without them.     Our present generation has mainly escaped the horror of unpreparing for death by the use of drugs to kill all pain.     Sadly, the beauty of a Godly death is also lost in our drug culture.    The new “right” of the health world is the right to be free of pain.   In most cases, the pain or joy is simply transferred to the immediate moments after death.   We are spared both the joy and the screams.

 http://www.Jesus-is-Savior.com/Evils%20in%20America/Rock-n-Roll/ozzy.htm

https://wordpress.com/post/Nextaxpro.

wordpress.com/6

But HE  {GOD Almighty, the LORD JESUS CHRIST HIMSELF} was wounded for our transgressions;  HE was bruised 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 the Gospel of John, the Book of Romans and Isaiah 53.     If you wondering about starting points, these are very good, to say the least.

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.
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.                

For the wages of sin is death:   but the Gift of GOD is eternal Life through JESUS CHRIST OUR LORD.      – ROMANS 6:23

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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

https://Nextaxpro.wordpress.com/?s=PRIMERICA

https://wordpress.com/post/Nextaxpro. wordpress.com/6

https://Nextaxpro.wordpress.com/2015/09/05/my-sr-yr-hs-teacher-was-a-communist

https://wordpress.com/post/Nextaxpro. wordpress.com/168

 ^  I am using et cetera now instead of “etc”.    Et cetera is Old Latin for “and all the others”, or, “and all of the rest”.   Et cetera, as the abbreviation, only needs to be written or stated once.    Et cetera may make the English clearer.

## Please note:   Citigroup finally divested primerica officially in 2011.   Do not know if the final papers and legalities have gone through  – consult the Rock.

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IS PRIMERICA HONEST? IS PRIMERICA A “PROVEN, TRUSTED COMPANY”, AS RIPOFF REPORT CLAIMS? STUDY WHAT AN EXPERIENCED MAN HAS TO SAY.

EXPOSES`

primerica – crimerica – crime vs. America PIRATE vs. America:   Four blog pages with exposes of pirate versus America:

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/6

https://Nextaxpro.wordpress.com/?p=5852

Please support these great exposes`.   I endeavor to educate souls, deprogram souls where necessary, help people and make this terra firma a less violent place in which to live.   Routing number:  061 000 104     Account number:  1000 1640 73826

Many of you will ask first:  what is the difference between a pyramid scheme and a ponzi scheme?   I will go in to detail soon.  For now:   https://www.sec.gov/fast-answers/answersponzihtm.html

https://Nextaxpro.wordpress.com/?s=PYRAMIDS&submit=Search

https://wordpress.com/post/Nextaxpro. wordpress.com/24

https://Nextaxpro.wordpress.com/2008/04/

21/the-sorcerer-shrinks-press-tv-do-not-want-you-to-know

https://wordpress.com/post/Nextaxpro.

wordpress.com/168

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

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

http://www.Jesus-is-Savior.com          www.chick.com               http://www.av1611. org  http://www.biblebelievers.com    www.repentamerica.com  http://www.av1611.com

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

CHAIN LETTER SCHEME:   

I AM GOING TO 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 con VS. America 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 FLEECING OF America!
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 CITIGROU P 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 con versus America 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.  
http://www.Jesus-is-Savior.com        http://www.officialstreetpreachers.com        http://www.repentamerica.com          http://www.Christ-Jesus-is-Savior.com          http://www.Jesus-is-Lord.com             http://www.truthaboutsodomites.com            http://www.godhatesfags.com             http://www.Jesus-Christ.us          http://www.biblebelievers.com      http://WWW.OFFICIALSTREETPREACHERS.COM/RubensDesk/FANTASY%20FEST.htm      www.deeptruths.com/treasures/doom-sodomites.html   http://www.abidingtruth.com/pfrc/books/pinkswastika
http://www.dr.judithreisman.com      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 support – consult 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
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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
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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

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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.
Consult the  Rock’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 }

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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 ) {yiiiiii  !!!!  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 { DO } 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 BOILER ROOM SCHEMES and this should help to stay way away from any one or any rep attempting to con you to fork over your money just to get a job!!   And that’s what it is.   Pirate vs. America apologists very nearly 100% LIE regarding this matter.   You DO NOT have your own business.   YOU must do what ever con vs. America tells you to do.

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

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=E4F27 C2C-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

https://wordpress.com/post/Nextaxpro.wordpress.com/168

https://wordpress.com/post/Nextaxpro.wordpress.com/6

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

https://wordpress.com/post/Nextaxpro.

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CONTINUED.   THERE IS A PART TWO:    PLEASE READ, STUDY, AND ENCOURAGE YOUR LOVED ONES AND TRUSTED FRIENDS TO FREQUENTLY ACCESS THIS BLOG/FUTURE WEBSITE:    https://Nextaxpro.wordpress.com/?s=primerica+Part+II&submit=Search

NONE DARE CALL IT TREASON:   Senator Eugene Joseph McCarthy – NOT to be confused with the other McCarthy, an environmental fanatic communist! –  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 slick willie, susan rice, cumey ex-head of the fbi;  butcher reno, the ex-head of the fbi;  loretta lynch ~ the former head of the irs who harassed conservatives and patriots and born again Christians AND Department of INjustice head, eric holder treasonously condescendingly refused to investigate;  the frightfully retarded nancy pelosi, bernie sanders;  abernathy;  saul alinsky, who was the communist nut who “trained” obola and a large number of other communists who hold communist ideas, whether they admit to it, or not!

NEWS MAFIA MURDEROUS COMMUNIST CULT CONSISTENTLY ignores HEINOUS CRIMES COMMITTED BY SODOMITES!!!!   SODOMITES ARE CHILD MOLESTERS !!!!    EIGHT OUT OF 10 SE

FAGbook IS as 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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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, saul alinsky, anything but “reverend” abernathy, obola appointee WILLIAM ORRICK – WHO HAS NO NO NO QUALIFICATIONS TO BE A JUDGE!!!!!

THE LARGEST PIRACY OF UNITED STATES TAXPAYERS IN HISTORY.    ONE ASPECT HERE.   THE UNITED STATES HAS BECOME A THIRD WORLD  COUNTRY.   JOSEPH STALIN { 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, DIM-O-CRATS 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 ~  imported a manmade disease from western Africa labeled Ebola in a madman attempt to WIPE out the entire population of the Western Hemisphere!!!!   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, MURDER, SERIAL MURDER,  EXTORTION, RACKETEERING, 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.”  {  WHAAAT !!!!   THIS IS THE MOST MORONIC IDIOT ON TERRA FIRMA !!!! – Nextaxpro }

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.

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 $447 additional 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 { obola }, 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 pretend that 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 the public 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, November 22, 1943. – Nextaxpro

https://Nextaxpro.wordpress.com/2008/04/21/the-sorcerer-shrinks-press-tv-do-not-want-you-to-know

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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 https://Nextaxpro.wordpress.com/?p=5852

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 VERSUS America { citigroup } is NO LONGER worth 500 billion.    May be half  that.  And citigroup is trying to divest crime to America.    SCAM FRAUD CON to America is dragging  citigroup down.

 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, disney SODOMITE ESPN, ABC, HISTORY CHANNEL – WHICH PRESENTS THE PERVERTED COMMUNIST VIEW NEARLY EVERY SEGMENT IT AIRS!!! – 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.

http://www.Jesus-is-Savior.com          www.chick.com               http://www.av1611. org  http://www.biblebelievers.com    www.repentamerica.com  http://www.av1611.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

Dying words of saints and sinners ~

But HE  {GOD Almighty, the LORD JESUS CHRIST HIMSELF} was wounded for our transgressions;  HE was bruised 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.
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^  I am changing “etc.” to “et cetera” for clarity.    “Et cetera” is Old 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:   consult the Rock  ~   Nextaxpro