Even if you’ve never thought about starting your own business, now is a great time to become an entrepreneur.
Did you know that many people have found relief from the recession by launching their own business? In the second quarter of 2009, nearly one in 10 job seekers found work by becoming an entrepreneur, and the pace of new startups has skyrocketed: a 100% increase in the first quarter of 2009 compared to the previous year.1
Many had never thought about starting a business previously, but necessity led them to take matters into their own hands. Here are a few reasons why you should consider it too:
Reason #1: The workplace is changing.
Even before the recession, companies were starting to rely less on traditional full time help and more on freelance or contractors. Approximately 30% of the U.S. job market is now made up of part time or contract employees and the self employed, and many experts predict this will swell to 40% by the end of the next decade.2 So stay ahead of the curve!
Reason #2: You can keep your full time job.
The security of a full time job can be a great place from which to launch your business. You have a guaranteed income, making the risks relatively low. Maybe that’s why most entrepreneurs who launch their own businesses do so while still holding down full time jobs.3
Reason #3: It’s fun!
If you’re currently employed, you know the terrain: About half of all workers say they feel their current job is stagnant.4 If you’re bored on the job, starting your own business on the side can be an energizing and creative way to increase your income.
With all these reasons to start your own business, don’t you think it’s time you considered it? The Primerica business opportunity is a great place to start. Here, you’re in business for yourself using a proven entrepreneurial system, but you’re never by yourself – you’ll have the support of an entire company behind you!
Contact your local Primerica representative to find out more and to see if our opportunity would be a good fit for your needs.
1USA Today, September 30, 2009
2 Money, July 2009
3 Ibid
4 USA Today, September 21, 2009
Tags: business, entrepreneur, financial services, money, Primerica, start a business, USA Today
Posted in: Primerica
Your credit score can determine:
• Whether you will be approved for credit
• The interest rate on your loans
• The cost of your homeowner’s and car insurance
• Whether you are approved to rent a house or apartment
Shouldn’t you know the score? Primerica’s DebtWatchers™ program gives you your FICO® credit score, notifies you via email or text messages of key changes to your Equifax Credit Report,™ and provides access to four Equifax credit reports every 12 months with continuous enrollment.
What Makes Up My Credit Score?
FICO® credit scores are the most widely used by lenders. Scores range from 300 to 850.
Atlanta Journal-Constitution, July 6, 2008
Tags: credit card, credit score, debt, FICO, Primerica
Posted in: Primerica
- 7-Year Wonder
by Natalie Chalfin
In January 2010, DALBAR, Inc. gave Primerica the 2009 DALBAR Service Award for exemplary customer service to its mutual funds clients – marking the seventh year in a row Primerica has reached this achievement.
“Winning the DALBAR Award for a seventh straight year is a tremendous achievement and is indicative of the commitment Primerica has made to our investments business,” says President and CEO of PFS Investments Bill Kelly. “When Primerica set up the recordkeeping platform for our fund partners in 2001, our goal was to make service one of the key drivers of our success. Congratulations to our call centers and the PFS Investments staff for following through on this commitment and receiving this wonderful award … again.”
By making its clients needs top priority, Primerica Shareholder Services (PSS), with its partner PNC Global Investment Servicing (PNCGIS), continues to set the standard for excellence and receive one of the most revered awards in the financial services industry. It’s that commitment to shareholders that has helped Primerica win this award year after year.
DALBAR is a client service rating company that works to make customer satisfaction and quality a top priority in the financial services industry. DALBAR conducts thousands of systematic tests throughout the year to measure how financial companies respond to their clients’ needs.
“Earning this award fully underscores the commitment of [PSS] to their customers, even when faced with new and different pressures as has been the case throughout 2009,” said Csilla von Csiky, Managing Director at DALBAR.
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Tags: award, clients, DALBAR, investments, PNC Golbal Investment Servicing, Primerica, Primerica Shareholder Services
Posted in: Primerica
The devastation of the recent earthquakes in Haiti has touched the lives of people across the world. While droves of friends and family were receiving horrific news, one of Primerica’s own, Regional Vice President Peggee & Jarrin King, was elated to receive word that her parents, missionaries in her home country of Haiti, were alive. They were alive, but lacking the basic human necessities to keep themselves – and the people who depend on them – well.
The 7.0-magnitude earthquake that struck the nation of Haiti on January 12, 2010, flattened homes and crumpled government buildings. Because of the tremendous loss of life and the overwhelming need for food, water, shelter and medicines, the International Faith Fellowship Ministries, Inc. (IFF) was in dire straights. The Liberuses, Peggee’s parents and the founders of IFF, sent word that they needed help, and the Primerica community responded right away.
Senior National Sales Director Andy Young coordinated an effort that collected more than 850 boxes of food, medicine, clothing, toiletries, generators and more. These donations, along with monetary gifts, filled two moving trucks that Young, Jarrin King and two other Regional Vice Presidents – Chris McHugh and Joe Redd – drove to Venice, FL, and loaded aboard Agapé Flights.
In Haiti, Peggee’s family met the plane and distributed the more than 30,000 pounds of donated goods.
The amazing contribution was reportedly the largest the airline had seen to date – good news for a community of six churches, three schools and a Bible college that was waiting anxiously for relief. Peggee said, “We are overwhelmed by the response. It’s wonderful that people want to help, despite what’s going on with the economy here.”
Through these contributions given by the Primerica representatives and Home Office family, hundreds of people will be able to meet some of their most basic needs and begin determining how to go on from here. To boot, Primerica made a corporate donation of $10,000 to the American Red Cross to help in the Haiti recovery efforts. Individual employees have also made personal financial donations through many of the aid sites that have been established in the wake of the earthquakes.
Peggee warned, “As people are giving so generously, I want them to be mindful of which organizations they give money to. They want to make sure that the need gets to the people, like the Primerica donation did.” Jarrin added, “I also hope people remember that after the cameras have left, the people will still need us. Primerica helped to supply the immediate needs of the people – needs like food, water and medicine; but they didn’t forget to send things like saws and other tools. These are the things that will help the people of Haiti as they start the next step: rebuilding.”
Primerica said “yes” and came through for people who desperately need help right now. They delivered on a promise to do what’s right for families … starting with their own.
If you’re interested in giving specifically to the International Faith Fellowship Ministries, Inc., they are a 501(c)3 organization. You can make financial gifts at any Wachovia Bank.
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Tags: charity, donate, giving, Haiti, relief
Posted in: Community, Primerica
Primerica is unleashing a revolutionary new marketing campaign, which will span coast to coast and extend its reach as far north as Quebec, Canada and as far west as Maui, Hawaii.
Primerica On The Road’s base of operations will be a 40-foot motor coach, custom built to support mobile film and video productions. Starting December 10 and continuing non-stop through February, the motor coach will be visiting offices and covering Primerica events throughout North America.
“This is our motor home of destiny,” said Primerica Co-CEO John Addison as he introduced the new campaign recently. “We’ll be going around the country profiling people who are winning now, ranging from our newest stars to our top company leaders.”
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Tags: campaign, leader, motor coach, Primerica, revolutionary, road
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Imagine It! Board Member and Primerica CFO Alison Rand was proud to announce that Imagine It! The Children’s Museum of Atlanta will honor Primerica for its “outstanding commitment to the wellbeing of children and families of our community” at the Museum’s gala, Amuse’UM, to be held on February 20, 2010.
Primerica Co-CEO Rick Williams served on the founding Board of Directors. Since officially opening in 2003, many Primerica employees and departments — from Community Relations to Publications — have contributed their time and talent to support the museum and its work with children.
“For nearly a decade,” says Rand, “the financial and in-kind resources that Primerica and its employees have provided have made a profound difference in the museum’s ability to spark imagination and discovery for more than 1,250,000 children and their caregivers. Through grant support, board leadership, committee involvement, graphic design and print services, Primerica has enabled Imagine It! to bring rich, innovative, hands-on learning experiences to families and schools in the metro Atlanta area.”
Imagine It! has created a unique place where children and parents can play and learn together about a variety of topics in a safe, fun and nurturing setting. Tens of thousands of disadvantaged children have been welcomed free of charge, and many provided with free transportation to the Museum, so that visitation barriers are broken down and resources are openly shared. Through extensive community collaborations, Imagine It! is mobilizing four of Atlanta’s most impoverished neighborhoods to engage parents in the education of their children using the educational tools of the Museum.
Primerica is proud to partner with the Museum and is honored to receive such recognition.
Imagine It! The Children’s Museum of Atlanta encourages children to learn by doing. This little one enjoyed playing with the colorful balls in the Tools for Solutions exhibit.
Tags: Atlanta, children, Children's Museum, Community, Imagine It!, learning, Primerica
Posted in: Community, Primerica
- Resolve to Save
by Kerry Maffeo
If you’re like most people, the start of a new year is a time for reflection and resolutions to make the new year better than the previous. Of course, all those grand plans for losing weight or exercising more usually fall by the wayside as life gets in the way.
This year, Primerica encourages you to make a resolution that you can keep…a resolution to start preparing for your future! With all the changes of 2009 behind us, right now is the perfect time to start making little changes that could have big benefits in the future.
These four tips will help you get started.
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Create a Budget. Have too much month left at the end of your money? A few dollars here and there don’t seem like much at the time, but when added up can equal a big chunk of money you didn’t realize you were spending! Creating and sticking to a budget is an easy way to identify exactly where your money’s going.
- Trim Expenses. Think about the expenses you have every month. There may be ways to trim costs by foregoing some conveniences – like specialty cable channel subscriptions or movie theater outings.
- Consider the Latte Factor. Getting into the habit of saving isn’t hard, it just takes practice. Start by cutting out small expenses first and put the money you would be spending on those things into a savings account. For example, if you purchase coffee every morning, try making your own brew at home a couple of times a week.
- Become a Bargain Hunter. You could save hundreds or even thousands of dollars a year by shopping around! It takes a little effort, but clipping coupons, purchasing items in bulk at discount stores and holding out for sales for big ticket items can really add up.
You Can Do It!
This year, resolve to take charge of your financial destiny! Your local Primerica representative can show you more ways to free up funds and start saving. Call today for your FREE Financial Needs Analysis and get on the road to a fantastic future.
Tags: 2010, new year, Primerica, resolution, save, savings
Posted in: Primerica
Many of us pay too much for these everyday essentials.
Snacks. A daily protein bar can set you back $2 a day. Choose fruit instead for a healthier – and cheaper – alternative.
Bottled water.
Fruits and veggies. If you enjoy precut vegetables and salad mixes, consider the cost of that convenience: about $5.98 a pound. Wash your own lettuce and you’ll pay just a third of that.
Movies. An evening for two at the theatre costs about $30 in major cities. For about $5 a month you can watch two movies from an online rental source or. Plus, DVD kiosks located at certain neighborhood grocery and discount stores rent current-release flicks for about $1 a day. Or … surf your local library’s Web site for free rentals!
Television. Cut the cable or satellite service and get a digital conversion box, which gives you a clear connection to all the basics. With a broadband Internet connection you can watch more than 300 shows on certain internet sites. Many networks now post full episodes on their Web sites so you can watch them for free, or rent DVDs of your favorite shows.
Tags: Primerica, savings, spending
Posted in: Primerica, Tips
The holidays are upon us and many families are digging deep to find the cash for gifts and travel costs. According to a recent survey, the average U.S. household plans to spend an average of $683 on holiday related shopping, a slight drop from last year.1 With unemployment close to 10%, and many more families unsure about their financial future for 2010, finding ways of enjoying the season without busting the budget are more important than ever.2
Primerica presents three easy ways to make your money go farther this Christmas.
- Shop Smart. Both traditional retailers and online merchants often run sales or offer incentives like free shipping to encourage consumers to buy. Just shopping around a bit could help you save big.
- Stick to Your Budget. Decide ahead of time how much you want to spend on each person or gift and stick to it.
- Try a “Stay” Cation. Airfare for a family can really stress a budget – especially when the economy is slow. Even gas and other travel expenses could be a big strain on a family’s finances. Consider staying close to home this year. Start a new family tradition like watching a special holiday movie together, going caroling in your neighborhood or taking cookies and homemade crafts to a local senior center.
A few small changes can make a big difference and if you’re smart about your spending, you can still satisfy those wish lists – without breaking the bank!
Tags: budget, holiday spending, staycation, unemployment
Posted in: Primerica, Tips
Today you’ve got more reasons than ever to free yourself from the burden of credit card debt. Here are a few:
- Compound interest works against you. When you allow debt to “sit” on your credit cards accumulating interest, one of the most powerful forces in the world – compound interest – is actually working against you to keep you in debt bondage.
- No end in sight. Most credit card debt is considered revolving. Because of the way interest is calculated, it can be difficult to tell how long it will take to pay off revolving credit card debt. It can feel like you’re on a debt treadmill from which you can’t escape.
- You’re not in control. Your lender is. Your credit card issuer determines your interest rate, credit limit, fees and charges based on your credit history. You don’t get to select your own credit terms.
- Great balance transfer deals are almost non existent. They used to pour out of your mailbox, but now those zero or low APR balance transfer deals with low or no fees are practically gone – and you’re stuck with the balance.
If you’re stuck on the revolving debt treadmill, you may be putting your financial health at risk. But help is available!
That’s where Primerica’s newest product, Primerica DebtWatchers™ comes in. This exciting new product allows you to create and monitor your own personalized path to debt freedom. With this product you can:
- Take control of your debt situation by using the information in your Equifax Credit Report™ to create a simple to understand plan for paying off your debt
- Monitor your Equifax credit report for key changes
- Track your progress toward debt freedom
- Set goals and monitor actual balances reported by your creditors
- Get up to $25,000 in Identity Theft Insurance with no deductible*
- Access your information any time, online
You’ll even be notified via email or text message of key changes to your Equifax Credit Report – all for a low monthly fee.
Becoming debt free is a good goal to have – and Primerica DebtWatchers can help you get there. Talk to your Primerica representative today to find out how to get started!
Tags: credit, credit score, debt, debt freedom, equifax, FICO, Primerica, Primerica DebtWatchers
Posted in: Company, Primerica
