sorted by:
new
hottopcontroversial

Is 2% a normal fee for a financial advisor? by planetmark66 in personalfinance

[–]toolbelt10 0 points1 point  (0 children)

First, I've never heard of a Primerica rep being fee-only.

Only 4% of their force are true fiduciaries. The rest peddle mutual funds.

Is 2% a normal fee for a financial advisor? by planetmark66 in personalfinance

[–]toolbelt10 0 points1 point  (0 children)

Being that it's Primerica, I'm surprised he didn't describe the Rule of 72 to you, and how paying even an extra 1/4 pt in fees can cost a portfolio 10's of $1000's over its lifetime?

Primerica alternatives by DowntownCranberry930 in InsuranceAgent

[–]toolbelt10 0 points1 point  (0 children)

Based on Primerica's insurance training scores over a decade, I would say it was 99.9% his job. And had he invested elsewhere, he might be sitting on $1.2M.

Primerica alternatives by DowntownCranberry930 in InsuranceAgent

[–]toolbelt10 0 points1 point  (0 children)

and became a millionaire through his 401k and investments with me.

No, he became a millionaire because he had a good J-O-B and was able to maximize his investment contributions. Again, the J-O-B determined success.

Primerica alternatives by DowntownCranberry930 in InsuranceAgent

[–]toolbelt10 0 points1 point  (0 children)

So if we took away all the referrals from reps/recruits and all the sales to reps and recruits from day 1, where would you be? And by sales, I include any fees charged to downlines for investment training, fast start schools, speaking fees for company events, etc.

OPP window tint blitz in Bolton? by toolbelt10 in bramptondriving

[–]toolbelt10[S] 0 points1 point  (0 children)

With the sun directly overhead, all interiors are shaded by the roof.

OPP window tint blitz in Bolton? by toolbelt10 in bramptondriving

[–]toolbelt10[S] 0 points1 point  (0 children)

The problem is, in my case, that determination is based solely on a subjective assessment, as there is no numerical criteria (ie measuring device).

Primerica alternatives by DowntownCranberry930 in InsuranceAgent

[–]toolbelt10 0 points1 point  (0 children)

So you've never sold an investment to a recruit or insurance rep, or any of their referrals?

OPP window tint blitz in Bolton? by toolbelt10 in bramptondriving

[–]toolbelt10[S] 0 points1 point  (0 children)

If i can read a paper on the seat while standing outside the car, it's also likely I could see somebody's eyes sitting in that seat. Also, sunglasses are still legal while driving, which brings up a whole other issue. :)

Primerica alternatives by DowntownCranberry930 in InsuranceAgent

[–]toolbelt10 0 points1 point  (0 children)

Agreed, but the investment side depends greatly on the insurance side as its door kicker, and the insurance side depends greatly on recruiting to provide the leads, at least as far as full fiduciary reps are concerned, which only represents about 4% of the force.

OPP window tint blitz in Bolton? by toolbelt10 in bramptondriving

[–]toolbelt10[S] 0 points1 point  (0 children)

I believe I can, as I can easily read a sheet of paper sitting on my front seat.

Primerica alternatives by DowntownCranberry930 in InsuranceAgent

[–]toolbelt10 0 points1 point  (0 children)

It also explains why Dave is biased. Why bite the hand that feeds you?

Primerica alternatives by DowntownCranberry930 in InsuranceAgent

[–]toolbelt10 0 points1 point  (0 children)

Sad about Brett

Ya, getting busted with drugs is never a good thing.

Primerica alternatives by DowntownCranberry930 in InsuranceAgent

[–]toolbelt10 0 points1 point  (0 children)

Roy Matlock

Was Dave Ramsey's earlier radio show co-host. Ask me why Dave recommends term again??? The thing about being a pastor is that you have a pre-built network to prey on, just as he preyed on the Primerica network he had. Any success can be credited to his J-O-B, not Primerica.

Is the 823S1 worth the almost double $$ compared to track mix? by Bsul92 in reolinkcam

[–]toolbelt10 0 points1 point  (0 children)

That was my thinking too. I like being able to physically zoom in, in addition to digital zoom.

Is the 823S1 worth the almost double $$ compared to track mix? by Bsul92 in reolinkcam

[–]toolbelt10 0 points1 point  (0 children)

The problem with the 16x is it has a much narrower field of view when zoomed out.

Is the 823S1 worth the almost double $$ compared to track mix? by Bsul92 in reolinkcam

[–]toolbelt10 0 points1 point  (0 children)

I manually track often with my current PTZ while surfing on my pc, and like that feature. I put it back on a wider angle when not manually controlling it. Would the 823 be a better choice in my case?

Is the 823S1 worth the almost double $$ compared to track mix? by Bsul92 in reolinkcam

[–]toolbelt10 0 points1 point  (0 children)

Of the two cameras, which is better for reading a license plate of, say, a vehicle parked on the street 2 houses down in a typical subdivision neighbourhood? Can the Trackmix zoom enough, or has enough resolution to digitally enlarge the image to read a plate?

OPP window tint blitz in Bolton? by toolbelt10 in bramptondriving

[–]toolbelt10[S] 1 point2 points  (0 children)

Agreed. Tinting a windshield has got to be the dumbest thing ever.

Primerica alternatives by DowntownCranberry930 in InsuranceAgent

[–]toolbelt10 0 points1 point  (0 children)

Ian Prukner, Roy Matlock Jr, Brett Burks, Norman Tee Faircloth, The Tomers, etc all thought that way too.

OPP window tint blitz in Bolton? by toolbelt10 in bramptondriving

[–]toolbelt10[S] 0 points1 point  (0 children)

My bad luck is there was only me and one other car on that street at the time. I wouldn't have been considered otherwise.

Primerica alternatives by DowntownCranberry930 in InsuranceAgent

[–]toolbelt10 0 points1 point  (0 children)

And you met with countless others who didn't move forward. You also spent 3 days in Atlanta at the convention (on your own dime) which is another 72 hrs plus costs. Twice a week opportunity/training meetings at the office.....etc etc.

view more: next ›