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?