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can't bs a bser


thatboyChase

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so just now, I got back from dinner with my friend. He is like an okay friend, I was kinda close with him in high school but he soon got annoying and irritating beyond my wildest dreams.

 

he called me a few weeks ago wanting to tell me about "pre-paid legal" and my genetic instinct (passed down by my father) deducted that it was a load of bullshit. but, as a good friend, I weave webs of illusion especially with friendship so I asked him to hang out and he wanted to go to dinner tonight.

 

now, if somebody is trying to sell you something, they'll buy you dinner. he certainly did and tried to impress upon me the awesomeness that is pre-paid legal. I and my family don't believe in that stuff, as we work hard for our money. And speaking of money, my parents had cut off my money in previous months cause they wanted me to be responsible. So I've been job hunting ever since and this friend figured I "needed a helping hand".

 

anyways, he sucked at selling this idea to me. My dad is a business man so countless hours at the dinner table hearing his tips tricks and how to deal with people paid off and I pretty much mentally called my friend on his bullshit.

 

i know pre-paid legal is legit (I guess) in raw legal terms, its a weird modded out pyramid scheme thing. I wiki'd it, consulted my father about it. I know why it pulls people in, as the money you apparently get from it seems so easy. Does anybody here participate in this? I figured it is something people with a certain kind of mind do. I don't.

 

I was insulted however that he thought he could pull me (of all people) into this. But I got a free dinner, so whatever, I wanted to express my displeasure with humanity though, people actually do this stuff.

 

other than that, life is coasting smooth. my parents are going to hawaii for like 3 weeks in a week, so I'll have the house to myself. partay time. i've started working out again 5 days a week after taking a 2 month hiatus. winter does that to you, but I got my abs back, so working on yard work for my dad on the weekends, shirtless in the warm sun of California is great.

 

and i'm still seeing that guy i mentioned a while back.

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I understand your annoyance. There's this sales system for products like that (life insurance is another one) where newbies like your friend are required to go on so many appointments with their friends. They're given a list and told to write down the names of all their friends and family members, then they have to call and set up appointments.

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I hate those kinds of schemes...we tried that as part of our business strategy for contract review and legal consultations, but the attorney's never had 'time' to call back, so the plan was discontinued. Funny thing is, they threatened to sue, for breach of contract, but we called it, three attempts and no response in the servicing clause and we were off the hook. So, their followup was lousy, and so was their own contract.

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I've never understood why so many people fall for the whole life insurance scam - or scheme if you insist. My apologies to those who earn their living selling life insurance. There is nothing illegal in it, but there is a lot left to be desired.

 

The way I see it, term life insurance is not only the only form of life insurance you should buy, it is the only form of life insurance you can buy. Whole life insurance is nothing more than term life with a low-earning savings account attached. Anyone at any age is always better off buying term life and investing the savings in premiums elsewhere.

 

Also, be careful of buying more life insurance of any type than you actually need.

 

As for prepaid legal plans, the average person has very little need for an attorney. I have used attorneys only twice - once to review an employment contract and once to draw up my will. Total fees for the two attorneys? About $300.

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