wiki 上 http://en.wikipedia.org/wiki/World_Financial_Group History World Marketing Alliance (WMA) introduced the Business Format System (BFS) in 1992, a blueprint to help its associates build and run their business.[2] MD TV, the company's private satellite television network, was also introduced. During this period, the company expanded its operations to Canada, Taiwan, Mexico, Puerto Rico, Guam and the Philippines.[2] The company held its first convention in Las Vegas in 1992. It was attended by about 2,000 associates.[2] World Financial Group agents are compensated for selling products.[3] Agents use “five fundamentals of personal finance” to build financial plans. These fundamentals are cash management, debt analysis, creation of a three- to-six month emergency fund, insurance, and asset accumulation and preservation.[4] On March 23, 1998, WMA Executive World Headquarters opened in Duluth, Georgia. The 100,000-square-foot (9,300 m2) building housed 500+ employees.[ 2] In November 1998, WMA was fined $100,000 "for not properly supervising its sales agents" after their clients lost nearly $2 million in unregistered investments.[5] In 2000, WMA was fined $125,000 "for failing to report near. [6]
WFG哪有whole life,就是个broker dealer你还是自己先问问清楚是哪家保险公司的 whole life
【在 b********j 的大作中提到】 : 考虑wholelife as a part of investment portfolio. : Is WFG a reliable choice
j*e
18 楼
" 老O 自己都承认"Our stand is very clear: we want both China EB-2 and Indian EB-2 to reach the 2800 country limit at the same time."。" 你可能误解了,上面那句是我们的要求,不是奥的话.他没有承诺过这个。
Tell us what's the purpose you are considering whole life, then we can help you better analyze if it fits your situation. One thing is for sure - never just listen to what a salesman/saleswomen tells you, because they will never tell you the downside or a better alternative.
J*S
27 楼
我看错了。 看来,老O是一点余地都没给我们留。
Indian
【在 j*e 的大作中提到】 : " 老O 自己都承认"Our stand is very clear: we want both China EB-2 and Indian : EB-2 to reach the 2800 country limit at the same time."。" : 你可能误解了,上面那句是我们的要求,不是奥的话.他没有承诺过这个。
To be fair, for families with assets over $5M (current value, it will be adjusted with inflation for future years) AND want to leave something to their adult children's families in the end, it's worth considering. For the rest working class families, NO - because you will pay dearly for the "benefits".
【在 S****Y 的大作中提到】 : 还凑合吧。。。的确不是很强,作为harvard full prof
S*s
38 楼
我和一个从业30年的同事刚刚把老鼠会WFG(以及它的挂名公司Transmerica)代理的“ None-participating whole life 以及IUL ”和 其他公司的Particippating Whole Life 作了对比计算,我们在model里加减不同的变量精心对比了结果。 结论是: 1. 别买IUL, 因为20年后,里头的cash value降到了total premium 的一半。它演示的 回报大多是纸上画大饼,还把几个index里头的分红剔除,再加上point-to-point picking return number, 那么最终的回报很questionable. 2. 别买None-participating whole life 因为它只有cash value 增长率, 远比不过 Particippating Whole Life里头的2重回报:(1)cash value 增长率略大于treasury + (2)企业分红的利滚利效应。 我的一个熟人被老鼠会洗了脑, 要介绍我加入他们。 其实我认识地区的2个女陀主。 她们是如此吸收你进入老鼠会的, 先经教会认识你, 或者一起请客吃饭, 参加什么会 议。 然后她把银行帐号拿出来给我看,说:“你看我一单就赚了8000块!你要是加入 我们做我的下线, 业余做就能赚很多钱。 我1年能赚20万!” 能赚人的钱, 不代表他们doing what is right and best for their clients! 这种钱赚了要被人骂子孙的。
Very good analysis.Thank you for taking time to make people understand the current situation better.If we don`t push,it will happen in his way every year.