My boyfriend of a year has been involved with PrimerInc for 6 years

PrimerInc is a MLM financial scheme. At first he was making good money then it all fell apart 2 years ago. He is still unwilling to see all the problems it is causing him.

He is making $300.00 a month and spending $2000.00 a month. He is selling all of his belongs and he is close to declaring bankruptcy.
He is unwilling to get a 9-5 job because he says he does not have the “employee mentality”. He keeps bragging about what a great company PrimerInc is and it would have worked if x or y had been different. He can’t see that the company is the problem.

6 months ago we got into our first argument. I told him I did not like PrimerInc one bit and that he needed to find some other line of work. He found a job with one of his PrimerInc buddies in which he sells computer hardware. He works on commission only and has yet to sell anything. He told me it takes time to sell things, (that is what PrimerInc taught him) and I need to patient but one of the products will surely make him $100,000.00 in 12 months. I recently told him he needed to find a Job that pays.

Don’t get me wrong he is a good person and fun to be around he has just been brainwashed by this company. He was an extremely successful computer programmer before PrimerInc took over his life.

My question is to all those MLM survivors- how do you deprogram someone from this kind of thinking? I asked my boyfriend if he would work for another company like PrimerInc if offered the chance. He said of course he would. I am nearly at wits end to make him see the light.

I was in Primerica from 1999 until 2016

Never got past the first level, so I didn’t get to see much of the inner workings, but it is MLM. A couple of weekends ago, I had the opportunity to speak with the wife of my upline, my husband’s best friend from high school who skipped our wedding to go to his first big function. The wife had told the husband that she wasn’t going to do PFS anymore because it wasn’t who she was. She stopped going to functions and trainings, and is much happier now.

I shared with her what I had learned from “Merchants of Deception” and other resources, and came to the understanding that PFS is like Quixtar Lite. There are training materials, but you don’t have to buy them. There are weekly trainings and big rallies that your are expected to spend hundreds of dollars to go to ad also get 1000 loan or more woth bad credit at + many of the buzzwords and phrases are the same. What really turned me off was when my upline told me that I had to see everyone I knew and everyone I met as either a potential recruit or a potential customer. I can’t be that utilitarian. And the stories people proudly told of missing their children’s birthdays, their sons’ football games, their parents’ funerals so that they could build the business, which of course they were doing for their family, made me sick. It was all such a big lie.

On the other hand, what we were teaching people back then (don’t know about now) was good; in fact it needs to be taught in every college and high school: Get out of debt, buy cheaper term insurance rather than whole life/cash value, invest the difference in a mutual fund. I would have felt better about it, though, if I could have found cheaper products for my customers. PFS products weren’t bad, but there were too many times when I just couldn’t close a sale because I knew my clients could get the same for cheaper. The other aspect that makes PFS a bit more legitimate than Quixtar is that you have to sell to people outside the business. There’s no such thing as being your own best customer. Of course, you were expected to have PFS life insurance and mutual funds, and you hoped that your clients would join as recruits, but you had to have outside customers or you wouldn’t make it. Plus, you do need to be able to pass the insurance and securities licensing exams.

Back to the first hand, they do lie to you initially about how much time it will take, the drop-out rate is probably very high, and they do tell you to stay away from negative people (i.e. people who will tell you the truth). In my group, they even told us that we would drop our old friends and hang with new ones, because when you’re rich and your old friends are not, it’s not going to be comfortable to be around them anymore. We were going to want to be around people who could afford to do the things we were going to want to do. Hmm, and after 13 years, my upline was still hanging with his old high school buddies.

One of my friends worked for Prime Inc.

It was actually part of her University externship. She said it was pretty bad. People didn’t get paid for the work they did and that it was a cult, etc. I have a friend “working” for them now. He is at their offices till 11pm “training”, and not getting paid!
I have been called by them at least 10 times to come interview, I have never returned thier call though.
On the bright side my friend did get a job at HSBC after Priamerica and is now a seasoned analyst making 80k.

Good luck!

Is anyone here aware of the MLM company Primer Inc.?

I was called for a job interview at what I thought was a legit mortgage/financial company, until I saw the telltale business front with no signage on the front, the multiple offices consisting of a round table, a couple of chairs, and multiple awards on the back wall. Not to mention a large room set up for a presentation, and a few wet behind the ears young adults in new dress shirts and ties. I lied to get out of there as soon as I could because I can’t afford to take that chance.

Does anyone have an opinion on them or their products, or even why CitiFinancial would even allow them to exist? They seem to be a sister company.

By the way, I’ve been duped by a friend peddling Amway, some Debt Free Living pyramid scheme based in Vegas, lost $300 joining Equinox, and almost got screwed by Herbalife until I did a lot of research on the internet and finding out what they really are and how mediocre and overpriced their products are.

I agree with what you are saying, for the most part

Just today I interviewed a woman who had some unlicensed contracting work done on her home that was sold to her by a local pastor. According to people he used to work with, “If you can sell God, you can sell anything.”

The statement I made about Christians being well off was actually based on actual members of my own church who *do* act ethically *all* the time, sometimes to their financial detriment, not just a blanket statement or assumption about people I do not have personal knowledge of. Believe me, I am well aware of the hypocrasy that runs rampant in churches, etc… All I was saying is that neither God nor Jesus preached that you had to be poor to serve them, just that if you were rich, you had a harder time of it (more temptations, etc.) If you want to start quoting chapter and verse, we can discuss it, but let’s not waste time arguing about human nature. We’re all screwed up one way or another.

Just out of curiosity

of those 100 people who are making under $500 per month would you say are making under $0 per month?

When you invite someone to join your “business” do you tell them honestly about those statistics?

As I read the Gospels, it is not about me and my financial success that Jesus is concerned — it is about my loyalty to God and my treating others as I would like to be treated. It is about loving my fellow man, not taking advantage of him for my own financial gain. Do not be deceived, you will reap what you sow. You might also want to remember that the love of money is the root of all evil. And, Seek ye first the kingdom of God and His righteousness… Believe it or not, God does not want you, or me, or anyone else to be rich or even well off; He wants us to be humble and generous and loving. That is why He says that it is easier for a camel to pass through the eye of a needle than for a rich man to enter the kingdom of God. Be very careful, my friend, eternity is a very long time. Choose carefully today for your choices today will determine your tomorrows! All that glitters is not gold!

The fellow who founded the con game/MLM that I was in was reportedly a deacon of his church. The con man who tried to recruit me into Amway years ago is a doctor and a member of my church. However, I would submit that there are wolves in sheeps clothing and that Satan, not God, is the Father of lies. I have yet to find an MLM that was not based on deceipt. The big lie being that “you are just out to help people” when the vast majority of recruits are not helped, but hurt, financially and otherwise.

You can blow my post off, as you probably will, but that will not change things.

If you want to sell or rather replace whole life

ins with term life insurance and mutual funds this is one company where you can do that. They have expanded their offerings to other things and sometimes they have gotten a bit out of hand. In their mortgage work I have personally seen a few horror stories where they refinanced someone’s house and they hurt the client big time. When the client tried to reach the agent to cancel the refinancing the agent stalled them until the 3 day waiting period had expired. Their thing is buy term and invest the difference. They do not have the cheapest term products around. The difference (the savings from whole or universal life vs. term ins) they would like you to invest in mutual funds, but they often give you funds that are very heavily front end loaded which cuts into your ROI. Often times they just sell the insurance and leave you in the lurch for the mutual fund (small commission)and your savings wind up being spent on other things. You do have the opportunity to recruit other agents below you and you can make override commissions when they sell products but remember it’s about selling products. Do you want to be a salesperson? Other insurance companies do not give you the opportunity to recruit your own salesforce and make override commissions but remember a product has to be sold in order to make commission.
The stories about becoming a billionaire by recruiting, be careful most do not for various reasons. Like many MLM companies they recruit non sales types and expect them to move product when these folks don’t know the first thing about sales and don’t want to, but they are told it’s not sales it’s showing. Be careful and do your research and look into other life insurance companies eg: Met Life, Prudential, etc. if you really want to sell life insurance. Good luck

Great ideas! Thanks!

I did put a misc budget of $100 for minor boo-boos and mis-budgeted items. Forgot items would be a budget buster especially if it was a coat! I’ll have to think about that. I may just keep the money in the emergency fund for something like that.

Laundromat is on the budget. I don’t want to pack 10 days worth of clothes! It would be too much to fit in the car. Yes, detergent. Good, hadn’t thought of that. I budgeted $10/day per kid for souvenirs, snacks, coins, etc. Hopefully I can get them to collect something cheap like postcards as their souvenirs!

Not sure how to plan for excursions. Don’t know what will tickle our fancy each day. I’m usually the one who says no to things because of the cost. I’d rather have some fun and be able to say yes to the bicycle rentals, horseback riding, etc. I guess I’ll just pad the entertainment budget and hope I come home with some of the money. Maybe $30/per person per day?

Food is another hard one. I can bring breakfast food and lunch stuff, snacks too. But we are on vacation and I do want to eat out. I just don’t know what types of food costs we will need. Maybe $20/per person for dinner per day?