WFG Scam?

Recently, I was invited to my friend's b-day  party where I met a girl name Patty. I also had the opportunity to meet her boyfriend name Peter (of course these are alias names). He told me about World Financial Group and at that time I had no idea what type of company they were. As a young analyst, I wanted to find out more in what he was trying to explain to me. Initially I had more knowledge than Peter but Peter then advised me to come to a seminar with WFG. The following will include my own opinions generated from the impression of the company.

The location: It was situated in a plaza that I had a difficult time finding. That also held my suspicion red flag one sketchy place to hold a company. When I entered I see a very poorly furnished area. No furnishing, some posters on the wall for WFG their own 'goals' in posters. No visible large furnishing. The only thing I saw was the printing room where there was a printer and many fold up chairs. I thought to myself ok...kind of sketchy cause it looks like a company that can pick up and leave anytime. It's so hidden it's like they're not even proud of their company name.

Trainer/Presenter: I was then invited in a room by Peter's trainer name Terrance. Terrance was a friendly guy initially and told me a lot of background info on himself. As I was sitting in his room, I saw no credentials hanging up. His bare wall, it could be me where if I walked into a doctor's room I would see their credentials. He said his name was Terrance, how can I be sure of that? Just a name plate doesn't help me. At one point he told me about his life as an engineer then changing to this stream. Dude if I was an engineer do you think I would be here recruiting people? I would BE an engineer. He told me an engineer job was way too mundane and BS like that. He calls it the "new business". I asked him questions on ETFs and RRSP and he asked me what I knew about it. Obviously I won't tell you EVERYTHING I know if I am testing out my waters. So I gave him he briefing then he no longer explained more to me. I was pretty disappointed because I knew more than he did. He didn't give me any news on ETFs. The reason why I joined their 'presentation'. NOTHING. One thing I have to admit was that he was a pretty good manipulator or at least I have to give him props for trying. He would ask me about my background and tries to 'connect' to me but he doesn't do it in a way I want him to like challenging me. So when I ended the conversation to be with the presenter name Tommy. I threw in a quickie about CDIC, protection. I deliberately said 60K but something along the lines of 100K. I have to admit, was slightly more impressed then, I thought to myself if you're going to scam me you better know the basics. When I asked him things he didn't know, he threw me back to reading it on the CRA website. BS, if I can read it on CRA you think I will ask you about it? Red flag 2 he proceeded to ask me about what I am interested on this survey. I did it but when he pursued to ask me why I was interested in the RRSP, I made up some bogus lie with a straight face. "One day my coworker handed me a piece of paper and because we were both not looking he dropped on the ground and when I went to get, my back cracked so that's why I want to learn about RRSP. It was nature's sign to tell me you're old."

Terrance leads me to this very small sketchy printing room. His printer looks old like one of those that is built 23 years ago ones and the 'company' wall distribution he has in the mail slots or his 'products' are not sketchy but made me question about their credibility. He told me he was part of Transamerica=Primeamerica SCAM Red Flag 3. Ok not really scam if you believe in their "Pyramid" but because it's my opinion and my blog it's SCAM. To support my believe please google them on ripoffreport.com

I was then led out by Terrance to a guy name Tommy the presenter tells me he used to own a spa with his wife, again another friendly guy. He spends a good 20 min talking about his life. These people LOVE to talk about themselves, thanks but you're wasting my time can we get to a topic that I want like investments? Ok whatever he then tells a story about how great he use to be 11 years ago...um that's over a decade, stock exchange methods might have mutated. Don't tell me old news I want new news. BS wasted another 47 min on this notion on a new business. Red flag 3 he kept spelling the word "soon" as "soo" I cannot trust a guy that doesn't even know how to spell with my money. Money to me and perhaps many others as well is something that I make with my effort, I cannot buy or trade effort unless my moss ups my salary. But till then it makes ends meet. How can I trust some dude who cannot spell or speak  properly. Omg I understand he is an immigrant but watching him speak was so painful to me because he said he was here for 11 years and doing investments and such but language is something you improve over a course of practicing I had so much trouble trying to understand what he was saying not of his accent but what he was trying to explain. Plus he also mentioned that at one point of his life he was on the verge of dying and he has some sort of contagious virus that is now dormant "DUCK DUCK DUCK DUCK QUACK"  I was talking to him early on too. That's my straw because I smell smoke on his breath, to think he was almost in a near death situation and he was still smoking after telling me that sad sob story about his children? You don't' cherish life, you don't cherish your family meaning you won't cherish my investments. That's it too, someone who doesn't cherish life and got a second wack at it trying to convince me to join 'his company'? 

Conclusion and what I got out of the presentation: 

From my understanding, the purpose of "hiring" into the WFG's "pyramid scheme"(=Transamerica/Primeamerica model of hire) is so that that person signs up all of his or her 'networks'. Now depending on his or her productivity, he or she can then develop their own sale leads or distributions to to others--essentially like a spiderweb or a virus. 

I'd picture that after getting that many network members to join, he or she might just quit and while all of their friends and family--'networks' gets stuck in mutual funds and seg funds with WFG. Might I inform on which WFG already made the (POOP LOADS) of possible revenues on in the sale. I read on that DSC funds pay more up front and is less in the form of trailing commission. In conclusion your friends and family including you will  become THEIR FINANCIAL SLAVES at this point. Good luck on your RRSP and INSURANCE. Thus, whether or not they keep your business long term means little to those WFG goons. Because they already trapped you out when you bought their products. 

CORPORATE BULLYING THE MIDDLE

After X year and X months in this hell-hole of a job that I despised with every spec of energy in my soul I have decided to obviously ditch this job and find a new one. I searched long and hard and realized that I am a dignified human being, I am a fast learner and I have a lot more going for me that this toxic waste of a job. I paid off my osap and my new journey began. The hardest thing to do is to MOVE ON, and learn to trust yourself and to believe that you are great. I know it's hard. You feel like shit almost every day of that 1 year and 4 months. I have learned  that even if you try to be kind to those that you hate it doesn't always work SO RECORD EVERYTHING I call it the S.Y.A. method and if you're wondering what that is: SAVE YOUR A$$!!! I made my load of cash and  it's now good bye suckers (replace the s with an F). All non-sense aside, the truth to this is that there is no way out of this corporate bullying, the best way out is to GET OUT! I am serious GET OUT before it is too late! If you're telling me you can't right now here is some examples as to how I survived, check out the ridiculous things I had to do:
I logged EVERYTHING, I never allowed the opportunity that when that shit head of a supervisor was to question my action I had a log of what I did for that day check out this atrophy:

Creeps on WeChat

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Creepy men on phone app Say Hi

I was using the app say Hi and this is what I get from unprovoked msgs. Recognize these faces or in other cases their junk as the wall of shame:

CORPORATE BULLY THE BEGINNING

Daily Updates: So here I am working at one of the great banks of Canada. Thinking that I'd be in a happy place right after grad. Nothing but an infatuation or better yet said I am a victim of corporate bullying. I currently work for the department for bankcard securities at a well known bank. The following events will list the highlights of the bullying of the day.

Day 1: October 3rd 2011.
Trainer asked how was I hired, did someone recommended me in? Do I know someone from 'the bank'. I told her no. Then she asked me how I was hired, so I told her from the internet. Right after that she frowned and did a grossed out face of disbelief and word for word she said to me "You know some people are pretty peeved that you got hired as an external into this department". I was a bit taken back, why would you say this to me on the first day? Then she went on saying that she was working here for 6 yrs and explained her experience at work...Demonstrating a method securing due to her position. This directly translates to saying "don't try anything on me because I have been here longer than you". Also very weird, listen this 'trainer' was a team mate for rugby from high school. I have NEVER done anything to her, I do admit I was a bit naive into thinking that anyone and anywhere would just be my friend. Clearly she was threatening me and I didn't see it coming. She then said, my mom works for 'blah blah blah' she was project manager for 'blah blah blah' in HR. Then she goes on saying that the assistant managers are her friends. They are like 'buddy buddy' because they spend thanksgiving and x-mas together. My boyfriend is very good friends with assistant manager A and AD Clearly through this conversation she has demonstrated (3) threats to me:

1. Don't pull anything on me I have been with the bank for 6 years.
2. Don't try to say anything to HR my mother is some big shot there.
3. Don't you try to say anything to the managers, they are my friends, if you know better you should hush.

From the first day forward, she has been saying to me, 'the bank' have people gossiping all the time. CLEARLY SHE WAS THE ONE THAT HAS BEEN DOING ALL OF THAT. There was this particular fellow estranged name Jean. She has been doing nothing but bad mouthing about him.

Day2: October 4th 2011.
Trainer put me on the phone already and made it as uncomfortable as possible. She puts me on the phone I was a bit hesitant, she then says to me word for word "Why are you scared for?" Clearly she was not sympathetic. Then I told her it has been a while and it's a bit intimidating and a bit scary. She gives me a stare and says "What are you scared for? What are you're hired for?". Which I found incredibly insulting. Every time I make a mistake she would roll her eyes. I know I am new, I don't think I will get things at first try. I don't know maybe in her figment of imagination she has this scale to compare me with people who were trained before who have branch/CSR knowledge.

Day 3: Oct 5th 2011
I have been noticing that she skims through the teachings so I arrive early to review the notes myself. She comes in afterwards and says what are you doing? I told her I was reviewing. She comments back by saying oh don't worry about that I can give you time to review and organize your notes. I knew off the bat by stating that I was review my notes, it gives her the opportunity to teach me less. Which it's not like she was feeding me a whole lot of knowledge. This time, every time I make a mistake she would crack her knuckles. Which is also very nerve racking. I told her I would make something for the pot luck. She gives me a look and says 'are you sure, you know you have to wake up early...'blah blah blah'?' (pretending to sound sincere). Biggest mistake of my life was to tell Dept Mgn-L that she has been helpful and teaching me stuff. FML.

Day 4: Oct 6th 2011
Again I come in early and do my notes and etc. She makes remarks on my lunch. Here I am thinking who cares? I can eat whatever I want and it's my body is it not? She tells me that she is on a gluten cleanse until Oct 26th 2011. You know I truly sympathized with her so I told her that I saw on some website on gluten free things maybe I would print you some things out and give to (co-worker K)-who also had relatives who were allergic to gluten. At this moment in time I thought that maybe we would bond if I showed a bit more sympathy and care to her allergy. She occasionally make remarks about me pressing the wrong screens. Cut me some slacks, this system is completely new to me. I'm not a prodigy, I obviously need time to adjust to it.
I believe at this point I was done session 3.

Day 5: Oct 7th 2011
I brought my Sweet Potato Casserole. Assistant manager helped me put it in the 'meeting room'--a nice fellow but I am still skeptical about his behaviour. He asked me while sitting down 'don't you like your environment right now? How do you feel about the people here? Isn't this better than your work place before?". I replied saying that 'the environment and people are pleasant so far. It's still to early to tell you which work place is better, I am starting just this week and I am still new.' He nods and says 'honest answer'. It was a big hit. This woman makes the remark about I wonder how long that's going to last. Wow way to go on attacking the rookie, old spice--ginger. Clearly this woman and the trainer are friends. It's so dark here in this working environment. So polluted, so suffocating. During this potluck for thanksgiving, 'trainer' took a significant amount of time lazing out with the assistant manager A. I have been telling my friend-CT. CT tells me that I should tell my head which is assistant manager AD. I tell her about the complications in terms of relationships with HR as well. No one will believe me. So I made the bold choice in shutting up about it.

Day 6: Oct 11th 2011
You think that maybe my first week was a bit rough, that I would be able to bounce myself back. Today I made a few mistake here and there so she sticks this HUGE STICKY NOTE saying no trial and error. WTF was that for? Again I am no prodigy, obviously there would be mistakes. She was so condescending. NEVER in my life have I started to dislike someone at accelerating levels. She then proceeds into asking me if I would bring something for the potluck for Oct 12 2011. She goes on explaining that it wasn't worth doing because I already brought something for Oct 7th's potluck. So I told her 'yes, I would bring something' because those are also my co-workers. She throws me this shocking 'are you for real look' then gives a sigh.
Day 7: Oct 12th 2011
She came in 30 min late. Left me hanging at 6:00 AM in the morning, it was her who decided that we should start early for training. I waited a good 2 hrs before she came back and said Oh I told Tony that I will be late didn't he tell you. WTF? NO HE DIDN'T I dry waited for a good 2 hrs.  Where I could have been doing more product things instead of pathetically waiting for you. Oh well I get paid for being a sitting duck anyway. Information was not affluently communicated. No one came to tell me that she was going to be late.

Day 8: Oct 13 2011
This girl she slacks off and doesn't do jack. Just sitting there because her mom is some director of HR. Welcome to the working world where she lacks competence for her role but it's ok because mommy or daddy will always find a way for you. Makes it feel like getting a diploma is worthless because guess what, mommy and daddy can get a useless trainer a job and get her into management position without her living through the hardship. To cut it short she told the head manager that I need one more week for training. I can't stand her, I know what I am doing she just wants one more week to jerk off and surf the net for shopping. Seriously, this trainer does nothing but throw me under the bus.

Day 9: October 14th 2011.
Trainer told me that I am better off at CSR. PISSED ME OFF.
There is actually a lot more to this story so basically she went behind my back and accused me of saying I want a particular shift, actually when I was hired no communication was placed stating that I was suppose to work a different hour on my fifth day. So obviously the head manager trust her words over mine. Logical, I just entered what grounds do I have. Head manager just said "You should re-read the letter of employment" and she briskly ignored what I have to say and walked off. I tried to tell her "I can't" it's not written in the letter of employment if she was also competent in her role she would understand that as well. Clearly, in this department it is not only built on nepotism but it is also based on who mommy and daddy is and not on real facts. I told her the following day that it is not written in the letter she didn't even apologize and said oh then your AM should have told you. I am glad you understand the words "Should Have" But because that baboon was also a lunatic, he didn't.

DAY IN THE LIFE (WITH) JANE

Went and got a pinacolada slush with a bud. Good times! It's nice to know that when you need a friend Alibaba to the cats, Mojo of the mountains and bailey of the rocks are there. Oh and Eves of the eden who joined Mojo of the mountains was there. There should never be a measurement in friendship, if you start to feel that way about someone, you should just stop being their friend. Love hurts....love you baby! Like Alibaba says 'I love myself too much to go through with this...'

MISSING DOG WAS SAVED LAST FRIDAY

So last friday was Canada day and I went with my friend to visit her friend....ok complicated the idea was that I went over to someone's house as an outsider while waiting for her friend. Long story short her friend finally arrives in her car and they were talking and this guy pulls up beside us and asked "have you seen a dog gone by?" her friend Vinny replied "yah, a small one, it was running around hysterically!" then the guy said if you see it could you call this number gave his house number and said "if he comes by again he responds to joena" 3 mins after her left, this pug looking dog pops on the opposite side of the street. It was dark only streetlights that shone. So the dog came by after Vinny called his name we pet him and he was frantic! let me explain.

Being someone without a pet, you can tell in his eyes that he was so scared and he sniffed and turned his head everywhere probably seeking for a familiar scent or a face. It was sad! I mean I felt really bad for 'Joena'. I didnt' want him to runaway again so I held him back and pet his back. He glaces back and you can still see the fear in his eyes. My friend first stuck him between her legs she said it shows domination but I wasn't too keen on the action the dude is scared, what domination do you need to show it? So later I said I think he is even more scared so she picked him up and and Vinny's friend called the dude's house. I kept petting him and her friend Vinny kept calling his name. My friend, the one who was holding him said he is shaking. Poor little guy.

I mean the best part of this experience was to see the guy's father who came back and called him 'Joena' the dog's eyes light up and the old man's face was full of relief. It literally felt like an Oprah show where some old dude gets reunited wit his son or something. I think it was a good thing we all did. If it was my dog I'd duck tape him to my leg! Missing complete and this was a chapter added to Jane's life.

Angry Birds Chrome

To zoom in or zoom out of the screen press Ctrl and the up arrow to zoom out, press Ctrl and the down arrow to zoom in. Hope this helps =D