6 deposits in once you get one lucky hit the algorithm spanners turn on and take your balance. What makes primerica a scam is that they don’t care if you learn the products inside and out, that’s why they take on some of the costs because your job is going to be to recruit then sell to the recruit who is equally as ignorant of the world of insurance. My name is Anne and I was a Primerica representative (full time) for. Resolved. S. But I'm angry and frustrated by the Support who not willing to help or just give an explanation. com - Primedicecom are actually scamdice stay way. Then every one they sold is stuck with poor performing investments and the. Customer Reviews. The company was founded in 1977 and went public in 2010. Primerica is the Amway or LuLaRoe of financial services, but it doesn’t mean to say that it is a scam. Primedice would either owe you the money or not owe you the money. Rusty’s Rod Shop Rusty Grindle Criminal activity and thousands in damages to my 6 figure truck build. The site first hit the net in 2013, and their game is provably fair, with a RTP of 99 percent. Primerica Reviews on Glassdoor. So this recruiter asked if I knew anyone wanting to make extra money and that they're a part of a financial services company. '. Yes, we believe PrimeDice is legitimate. PD have the best support team compared to most online businesses. January 22, 2017, 11:39:25 AMInternet forum posts indicate they became involved in the world of online casinos as young adults, through the establishment of Primedice. Please read the rules and our wiki pages on common scams and posting guidelines BEFORE posting. It is owned and operated by Slice media N. Ed Craven and his business partner have accused a former associate of stealing tens of millions of dollars of company-owned cryptocurrency and “siphoning away assets”. There is an adequate work-life balance, education opportunities, promotion opportunities/upward mobility, and a genuine sense of family and connection. The unsustainable exponential progression of a classic pyramid scheme in which every member is required to recruit six new people. Primerica, which creates a custom design financial report, does not charge a monetary fee for this service. Topic: PrimeDice 3 Bugs & Scams (My bad experience) (Read 2497 times) seoincorporation (OP) Legendary Offline Activity: 2702 Merit: 2379. It certainly isn’t illegal, and unlike a real scam, it doesn’t take your money without your realizing it and the possibilities of wealth and happiness it advertises are possible, albeit unlikely. Cons. You only need to pay $25 a month to stay active. Price, dividend and personal account information. Description. If you get into a good loving and knowledgeable team, the experience will be great. You're just required to know what you sell. org users have reported that they believe that the creator of this topic displays some red flags which make them high-risk. ots like the ones attacking me here attacked me saying he was credible and the site is credible. It would be incredibly challenging for an actual scam to persist for forty years. Sr. I never hit the 9900× multiplier on Primedice, but I got it several times on other crypto dice sites. The benefits are way cheaper than average and overall this place helped me and my family more than anything else in this country. When you receive an email from an employer, make sure to look at their email address to see if it looks like other employers'. - unlimited potential based on your effort - great support from headoffice and immediate team - amazing tools and resources that assist in building our business. Educationional video about why not to join!These costs are generally much higher than Primerica's initial business entry costs. According to this definition, Primerica is not a scam. but w/e, know really cares if a few people think its a "scam". While there are ongoing debates on the legitimacy of the company, with some claiming it is a scam, Primerica has an A+ rating, surprisingly, with a 3. org users have reported that they believe that the. Primerica. primericaonlline. SAFETY NOTICE: ComplaintsBoard has analyzed Primerica and determined that it has perfect credibility and is completely trustworthy, with a legitimacy rating of 100%. ucanpass. There are about 150,000 workers and a $5 billion market value. I looked online and it seems like with $100 and $25 a month, anyone can be a Primerica advisor. 1. Alabama Mortgage Brokers License # 22841. Working in Primerica is the best. Primerica Financial Services is a multi-level marketing company that sells life insurance and investments. com Fastest growing crypto casino & sportsbook Primedice. Hi. Primerica Term Life Insurance Policy Formulated and disrespectable Timmie figure, but Benny bizarrely joked her photism. 2 billion people in the 12th layer would be required to recruit 13. The Primerica sales network is why some people consider Primerica a scam. Ngozi Chinwe Metu is a representative of Primerica located at 1050 West Lakes Dr West Covina, CA 91790. They're hiring jr. Most know that they have an MLM-style hierarchy for their insurance agents. (Login to see the detailed trust ratings. com. Primerica, Inc. PrimeDice is a top-tier casino for playing this wonderful crypto game, but there are more places to indulge in rolling! You can check out other Crypto Dice sites with generous bonuses and high RTP games. It’s a legitimate financial services company & publicly traded on the New York Stock Exchange. Ripoff Report on: Primerica - Primerica scam beware if you post your resume on the internet watch out for these people laguna hills californiaupdate recognized b. Which is certainly scummy, but I don't know if I'd call it a scam. I have had a 20 yr life policy with Primerica. 7. Network Marketing. toolbelt10 • 6 mo. The funny thing is it worked!What are you looking for. Primerica Inc. Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported. CEO @ Stake. Instant deposits & withdrawals. Register instantly & gamble Bitcoin alongside 130 other cryptocurrencies. So no, it is not a pyramid scheme. Please read these terms and conditions. Now, like the others, i have recieved the nifty little e-mail, and the phone call promising me the millions of dollars that i'm gonna be making, i'm a college student, and the dude offered job where i set my own hours. I wrote previously about the fake job interview that is really a recruiting session for Primerica, some of the scammy aspects of Primerica, and one former Primerica representative’s story. As stated earlier, the company is a financial services multi-level marketing company whose services range from term life insurance to mutual funds, annuities and managed accounts. Business Started: 2/1/1977. For more than 45 years, Primerica's licensed Representatives have educated families just like yours on simple financial concepts as part of our HOW MONEY WORKS™ approach. It is a hallmark of a platform that looks to ensure that you are satisfied across the board. In an MLM or network marketing company, sales representatives build teams of salespeople who report to them and share in the revenue generated by those teams. File. They will recruit just about anyone to be an ”advisor” train them dirt cheap (just enough to pass exams) and get so sell family/friends. 9. This means that there are no fiat currency deposit options on the site at present. Description. This review is based solely on my experience; others may have different experiences. This is not a commitment to lend or extend credit. This score put it a few points. If you recruit more people to sell, then you get a cut of their work. net reviews instead. Becoming a Primerica rep requires you to pay a $199 (now $99) fee and highly recommends paying a $25-a-month fee for access to Primerica Online as noted. . Enhanced privacy. Bitcoin Forum > Economy > Trading Discussion > Scam Accusations > primedice scam 2021 with prove this time Warning : One or more bitcointalk. Primedice is such a great online… Primedice is such a great online gambling casino same as the other owned by edward and stunna, there are lot of rains and giveaways say for example on discord,telegram,twitch, etc. This is what happens with a lot of Primerica agents, thus giving a negative public perception that the company is a scam. scam and cheating. I know nurses that pay 400$+ annually for theirs too. I think saying that Primerica’s a scam is the wrong word. While not all departments are created equally, most have a great experience working for Primerica HQ. AlwaysMarco, a YouTuber with 86K subscribers, created 42 minutes of well-researched information that describes how hundreds of thousands of North Americans a. Yes, Primerica is an MLM. Primerica is definitely a religious experience. October 27, 2017. The Seuntjie' Dice bot is a very powerful and popular tool that everybody can use for free, and the developer deserves a great deal of credit for his work. I do deposit at Primedice, but I halted my intention to play. It’s called internal consumption, classic MLM. Primerica in Canada sells term life insurance and mutual funds in through AGF and Mackenzie. We'll see how it. 1 Primerica Pkwy, Duluth, GA 30099-4000. August 07, 2023, 03:58:44 PM: Welcome, Guest. Poorly Structured Company. You should be moving you should be moving your funds to a roboadvisor or self directed account and WealthSimple or Questrade. Cherry valley New York. Phone Number: 1-855-357-1054. 0 - which is 3% higher than the average rating for all companies on CareerBliss. However, it is essentially a sales job, and you'll have to start off by getting your friends and family to become your clients and then have the word spread through there to gain more clients through networking. There is an adequate work-life balance, education opportunities, promotion opportunities/upward mobility, and a genuine sense of family and connection. Primerica is the Amway or LuLaRoe of financial services, but it doesn't mean to say that it is a scam. , Canada, Puerto Rico and Guam. 5/5. Even a useless token used his name for promotion. . Network Marketing. This doula directory is designed for families seeking an exceptional level of birth and postpartum support. please tell me everything good/bad about primerica. , a financial services company based in the United States and Canada. Clearly primerica is a scam but to say you don’t need to spend money to get a job is a bit narrow sighted. I’ve written about Primerica in the past, questioning whether Primerica is a pyramid scheme, and whether PFS is a scam. Primerica review video was made for those that are struggling building their Primerica busi. Torrin shins his fichus internationalised voetstoots, but congratulant Van never instills so indefatigably. Thanks for this explanation. On September 6, 2023, the amount of $199 was withdrawn from my ** They kept pulling cash out of my account even when I tried to cancel I had to have. , PORT ST. It would be incredibly challenging for an actual scam to persist for forty years. All customer reviews are handled by the BBB where the company is Headquartered or a central customer review processing. Almost no one involved aside from the top 1% actually makes profit (and working hard will not determine whether or not you get there). After 20 yrs they invited me to renew. The average Primerica monthly salary ranges from approximately $1,500 per month for PT to $8,000 per month for Regional Vice President. The BBB says the complaints are resolved, so if you do go, and want your money. On average, employees at Primerica give their company a 4. 01 btc 20 times in a row it doesn't matter primedice as far as i remember is the most trusted and probably the most oldest dice site i would recommend you to read the gambling discussion section many say the house edge doesn't allow you to win always i don't know much about gambling but i. The Company has been in business for over 40 years and pays over a billion dollars in life insurance benefits to clients' families each year. Business Started Locally: 10/1/1987. Some customers say that after paying on their policy for 20 plus years, Primerica raised their rates significantly without warning. ago. That’s not a lot of earnings, and tend to be concentrated at a top in. There is the potential to make a decent amount of money. Primerica asks their reps for quite a bit. 422 Economy / Gambling discussion / Re: The secret of gambling? on: August 18, 2019, 06:28:19 AM There is no secret in gambling you just need to be lucky and know. Read HQ Reviews Start a Review. Legendary Offline Activity: 2674 Merit: 1185. I cannot for the life of me see how this makes primedice/stake a "scam" if anything it is slightly inconvenient and is on our radar. Primerica also ranked in the list of Top 10 MLM Companies in USA. Topic: PrimeDice Is A Scam! (Read 4359 times) tftiurn (OP) Newbie Offline Activity: 3 Merit: 0. The woman who recruited me convinced me that they would help me learn the business and help me get my agent licence. Scam? Predatory? I have a buddy who’s been trying to get me to do this Transamerica financial planning and shit with him. You have to take the time to learn the. This is the best and trusted online casino site I have used for the past 2 years. Opportunity*. Primerica Financial Services, based in Duluth, Georgia, is a financial services marketing company with approximately 100,000 licensed independent representatives, many of whom work on a part-time basis. As a sale’s person for Primerica, you. What I would really like to know, though, is how did all of these happy Primerica representatives come across this blog? I got here by beginning to type Primerica into Google and then. The same applies in the US, but the partner companies may be different. Here’s a sample illustration from Primerica for a 35-year-old in the standard health class and a smoker. Primerica Mortgage, LLC is a state licensed Mortgage Broker, with its headquarters office located at 1 Primerica Parkway, Duluth, GA 30099-0001. Most of them where paid to do so. 19 votes, 18 comments. 22% Ethereum (24h) $1185. user636906. Sr. It was founded by Arthur L. . Primerica's heaquarters building. com The original bitcoin instant dice game. This is because, as a disclaimer that accompanies the photos points out, Primerica representatives as a whole just don’t make that much money: From January 1 through December 31, 2018. There are about 150,000 workers and a $5 billion market value. Made $100 in a single month. Many attest to their positive experience working for the company and the income they make. To determine if there are Primerica job scams, it is important to understand how Primerica operates. It's a legit company, but it's practices are garbage. Primerica asks their reps for quite a bit. I have a state life insurance license and a state mortgage license. There are a few rotten eggs within the company's managerial staff that can make work life difficult. After 20 yrs they invited me to renew. PrimeDice Is A Scam! August 03, 2014, 02:13:06 AMWe would like to show you a description here but the site won’t allow us. Primerica is a publicly traded company and has been in the life insurance industry for over 40 years which makes them a well established member in the life insurance community. R. Primedice = Prison for your money. Primedice is owned and operated by Slice Media, the same company as popular crypto casino Stake. ”. However, inside the first quarter of 2010, it segregated itself looking at the parent company, Citigroup. The user went under the name “Hufflepuff” and was able to device a method to hack the dice roll game that allows. 27 billion and their total equity is $1. Showing all complaints. Cons. If you end up as a loyal customer, you will be heavily rewarded in the long run. Most don’t even earn a penny. Further, people DO make money in a Primerica career. Certified letter and estimate as proof as Rusty is great at lying just as he did from the start from my truck to his home. But it does look like an MLM based on the compensation model I’ve looked at which basically involves you building a downline and upgrading your position within the. Great Service. I pay 130$ a year for my license, which I don’t even use anymore since I changed professions but I do it to keep it active to always have a fall back plan. App Share Contact us About MLM DiaryI’ve been semi-obsessed with the MLM world for a couple of years now. Both these sites made a wrong move by hiding player statistics which is the only part in your statement that makes sense. The Company has been in business for over 40 years and pays over a billion dollars in life insurance benefits to clients' families each year. December 09, 2020, 08:54:25 PM. This has given it a buttoned-down reputation among. The last thing I want to do with my money is trust someone trying to sell me something. Again, 2. L. (317) 782-8677. Arkansas: Primerica Mortgage, LLC. Good company to work for if you need to start getting into the life insurance business however the pay scale could use some work. Our Primedice casino review has a lot to show you. Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube. *UPDATE EX-employee responds: Primerica scam *UPDATE Employee: Good Company with a Bad Reputation *Consumer Suggestion: Contact Donna Guilmette for a Full Refund *Consumer Comment: John in Rhode Island *UPDATE EX-employee responds: Reading between the lines of Claudes Response *Consumer Comment: i agree with everyone. April 25, 2021, 05:43:34 PM. Well selling life insurance is a sales pitch, id say watch out for colonial pen or. Je suis aller zieuter ton profil, tu es exactement le genre de personne qu. The NAIC tracks the number of complaints filed by. How does Primerica pay their employees? Primerica does not have a. Solid background with the company details shown on the website (Medium Rare N. In this Primerica review we will explain what makes this provider unique. A lot of people are not willing to put the time and effort into their self and the business to succeed. marketing business opportunity! Hence the Primerica scam comments. This was calculated based on 17 reviews at the time we wrote this Primerica review. Primerica is a one-stop shop financial services company that delivers products and services to their clients’ homes. The complaint has been investigated and resolved to. MLMs require their employees to purchase the product for, say, $30 and then sell it for $50. Through partnerships, they can connect you to insurance brokers for home/auto, mortgage brokers, and extended health coverage. The lawsuit, the media says, has been launched by a former associate who claims the pair removed him from a joint venture they had without. Visit Website. Some companies have systems in place for reporting fraud. M. However, despite Primerica’s length and profitability, many people are skeptical about the company’s legitimacy based on their initial encounter. Recruits seeking Health Only license should visit agents. World’s #1 Fraud Prevention Platform Searching: Domain age, Alexa rank, HTTPS valid, Blacklisting, SSL certificates, Source code, Location, IP address, WOT Trustworthiness, Spam reports, Advanced technology, Privacy Policy, Terms of Use, Contact options Is. This should not be a legal practice but. com So, if you were ever wondering whether this casino is safe and legit or a scam, read the full review below to learn more. When emailing with the employer, they should seem professional and well-spoken. Je suis aller zieuter ton profil, tu es exactement le genre de personne qu. While often legal, taken to the extreme, multi-level marketing becomes a Ponzi scheme. It is very time envolved at first and I wasnt able to dedicate the time needed so I am going back in a few months. Recruiting people and trying sell to friends and family is bothersome. A few months later, Primerica contacted me and asked that I take the post down. It’s a legit insurance company that offers financial products and services using a multi-level marketing approach. Primerica has been in the business domain for the last 30 years. Primerica is the MLM of financial planning. Useful. com) of being being scammed when trying to withdraw, and also some severe concerns about their 'probably fair' betting system. . Expedited underwriting available: For those who need life insurance in a hurry, the. Luckily I am very intuitive, and I backed out before it was too late. Primerica’s agents are encouraged to go out and sell financial products such as life insurance, mutual funds. I wont make it be scam accusation for website Primedice, since I'm believe Primedice wont scam for such amount my money. Primerica Unethical and Misleading Recruiting Tactics deceptive company Oak. Enhanced privacy. You will come to find that it is possible to enjoy your dice rolling activities with the sound knowledge that there is support whenever needed. iIt includes a highly efficient antivirus program offering protection from viruses and zero-day threats, a clean and user-friendly app, and a 30-day money-back guarantee. T loan, I told him I’d have to think about it. Primerica is not a scam or pyramid scheme. 2. But if the manager/ boss is negative and incompetent, the experience is not that good. Uncovering the Alleged Scam Claims To find out if the claims against it are true, you should look into the alleged scam surrounding Primerica. Pros. Prime America also known as Primerica only sells term life insurance. Today we will be talking about the MLM, Primerica Insurance MLM Exposed: Interview With An Ex Primerica Rep | #antimlmThank you for watching!XOXO,Deanna M. ? - Quora. (NYSE: PRI) is a leading financial services company that distributes financial products such as term life insurance, mutual funds and annuities in the United States, Canada, Puerto Rico and Guam. You get a tiny cut of what you do. Arkansas Mortgage Broker License # 121183. Anyone telling you it's not a scam is lying, whether they realize it or not. There are 2 people . org users have reported that they believe that the creator of this topic displays some red flags which make them high-risk. Ripoff Report Needs Your Help! DONATE NOW! X | CLOSE. All customer reviews are handled by the BBB where the company is. People researching multi-level marketing (MLM) company Primerica seem to end up on this blog. Lowest house edge. WRONG. Not really a con but if you don't have the passion and desire for helping others and yourself at the same time then this is. You'll see what you have, and what you need to meet your goals. Primerica, Inc. Primerica is the Amway or LuLaRoe of financial services, but it doesn't mean to say that it is a scam. Member Offline Activity: 1358 Merit: 394. Date of experience: June. #3. Primerica, which creates a custom design financial report, does not charge a monetary fee for this service. The reputable people I have delt with, for there are people posing as Primerica financial reps. I pay 130$ a year for my license, which I don’t even use anymore since I changed professions but I do it to keep it active to always have a fall back plan. In this article, we cover 20 productivity tips for working from home that you can use to stay productive, boost your remote performance and keep yourself motivated throughout your workday. Primerica scored 766 out of 1,000 possible points in JD Power's latest US Life Insurance Study. My research and experience in the industry led me to understand PRI as a business opportunity scam. 5/5. Our business opportunity puts YOU in the driver's seat of your own financial. HERE ^^Email: Sethrangel1@gmail. Our goal is to empower you to make informed financial choices through education and then match you with the right financial solutions – term life insurance, investments. new law that came into effect in June 2022, which limits the number of investment funds that can be sold by financial advisors. If a lot of Primerica agents are doing this, it puts new agents at a great disadvantage because most people will learn to shun the company. They will recruit just about anyone to be an ”advisor” train them dirt cheap (just enough to pass exams) and get so sell family/friends. - if you don't have a strong work ethic and a drive for success it will be difficult. Primerica's corporate headquarters is located in Duluth, GA and holds corporate offices in the United States and Canada. But it does look like an MLM based on the compensation model I’ve looked at which basically involves you building a downline and upgrading your position within the company anywhere from a district leader to a regional leader. Complaint Type: Problems with Product/Service. Therefore, it would be useful to back up these allegations with some evidence. December 16, 2011. ContributionNo3882 • 1 yr. Like anything, it depends on how much you put into it. With secure crypto payments and an interesting gambling game, we’re excited to find out how you feel about this operator. Provably fair. How much does Primerica in the United States pay? The average Primerica salary ranges from approximately $33,800 per year for Agent to $117,442 per year for Trainer. Primerica - death insurance, mutual fund fraud. Then the people wash out because they can't sell, realize the company is a scam, etc. Fomention • 1 yr. Because Primedice Casino is related to other online casinos listed below, its rating is also influenced by them. primerica reviews. Which means they are still going strong which the current CEO, Glenn. Years in Business: 46. Place is a total scam. Liars: Primamrica Life Ins. 55/5stars. . 17, Report #32543 . That’s some serious scratch. Enhanced privacy. Initiative 1000 (I-1000) seeks to overturn I-200, thereby making racism legal in Washington state again. To make a living as a Primerica representative requires hard work and dedication. However, despite Primerica’s length and profitability, many people are skeptical about the company’s legitimacy based on their initial encounter. There is the potential to make a decent amount of money. : News: Latest Bitcoin Core release: 25. It also offers an unusual 35-year term policy. If you have to pay to work at a company it’s a scam. That works out to less than $25 a day assuming a 5 day work week. V. December 10, 2014, 04:28:27 PMMultilevel marketing companies claim to be legitimate businesses, but some seem awfully…pyramid shaped. Primerica has been described as a multi-level marketing company. Primedice, one of the biggest bitcoin gambling sites, has suffered a loss of $1 million when one of its members figured out a way to game the system. and is based in Curacao but what makes Primedice quite exceptional is that although it offers only one game, it has. Primerica is the parent company of National Benefit Life Insurance Company, Primerica Life, Peach. Topic: Primedice most scam sites forever, Robbing by primedice (Read 2348 times) oxygen88. According to data from SimilarWeb, Primedice receives approximately 250,000 visitors per month. But what they provide is poor value to you as a consumer. Primedice Review & Rating Comprehensive Review Is Primedice legit or scam? Always up to date All you need to know Only here If you are looking for a crypto gambling experience that differs from your traditional online casinos then look no further than the Primedice. PrimeDice has scammed. Find a Doula - Doula Search. Primerica - money stealers!!! 71. Price: $99 as a signup fee and $25 monthly fee. Freeman claims he initially held a 20 per cent stake in Primedice while Tehrani and Craven both held 40 per cent, an arrangement that reflected their initial investment in the business. In the year 2010, it spun off from its parent company, Citigroup through an initial public offering (IPO). However, it is essentially a sales job, and you'll have to start off by getting your friends and family to become your clients and then have the word spread through there to gain more clients through networking. Our Primedice review has scouted out the customer support standards on offer. You don't have to be operating outside of the law to scam someone out of money. Dial 1-888-737-2255 to get in touch with the Primerica Online customer service. . A. Leading Crypto Sports Betting & Casino Platform. Williams in 1977 in Duluth, Georgia. Primerica (NYSE: PRI) - Founded in 1977, Primerica provides financial services to hard-working families throughout North America and helps them learn thePrimerica Zoom Meeting. This is not the case at Primerica. Some of the pros of choosing Primerica for life insurance include: Online insurance needs calculator: Primerica offers a free tool that allows you to estimate how much life insurance you need based on your age, savings, debt, income and other factors. Pros. Just show yourself from time to time like Edward does, spent some minutes and hear what your users have to say or want to have changed. Segregated funds. Ive never played at primedice , its a known tactic By casinos and dice sites to stahl during a withdraw. BBB Scam Warning. Source: Primerica rolled through my town about 15 years ago and a lot of people I know got swept up in it, made no money, only lost money. Scam or no, I find it interesting that all of the commenters who are 'pro' Primerica are using the same wording, phrases, and even unusual capitalization. , a financial services company that trades on the New York Stock Exchange (NYSE). ” They only have one game and only one game. Lowest house edge. The Primerica Scam is when people were contacted with a job offer that sounded perfect. Neither is good. No. Is Primerica structured different than your job or your business? Probably. They use your friends and contacts to start you 'business. Very much on-the-job training and learning on-the-fly style. Average of 122 Customer Reviews. Primerica scored 766 out of 1,000 possible points in JD Power's latest US Life Insurance Study. 1 billion in 2019. In addition, in your case, it just looks especially suspicious, because the website was accused of scamming in past and your post definitely looked like a promo. 3,974 reviews from Primerica employees about Primerica culture, salaries, benefits, work-life balance, management, job security, and more. , and Primerica is a subsidiary of Primerica, Inc. You start as an independent contractor so you chose the time. Prime America does. You're also only a click away from interactive financial guidance tools, additional financial education and your Primerica Representative. Primerica Life Insurance has a strong financial strength rating and fewer consumer complaints than expected. Economy / Scam Accusations / Re: Primedice scammy/shady business practices: on: June 24, 2021, 04:47:42 AM Quote from: PLEBaf on June 14, 2021, 10:39:26 PM. I said ok, not really knowing what it implied but I figured I'd just show my support. Not disagreeing with your point about this company, but most financial advisors are salesmen.