Todays Realities Many people have lost jobs Many people have lost homes Many people have lost savings & investments
• 58% of people with credit cards, on a monthly basis do not pay their balance in full• Those who carry credit card debt have an average balance of $17,103• Those carrying $20,000 or more are likely to miss payments and see interest rates skyrocket and credit scores plummet• In January of 2006, on average, U.S. households overspent their incomes by $575 and dropped the savings rate to the lowest it’s been in almost 80 years
How Many People Are Affected By These Economic Times? How many people have less than perfect credit? How many people are susceptible to identity theft because they do not have identity theft protection?
How Many People Are Affected By These Economic Times? How many people are leaving their families unprotected by not having a living trust, a will and a power of attorney over their financial and medical matters? How many people have more debt than they want, but just don’t know how to get it paid off?
FINANCIAL EDUCATION SERVICESProvides: The education we needed a long time ago Products and services to protect your identity, credit, family, finances and future An opportunity for financial security
FINANCIAL EDUCATION SERVICES Mike Toloff Parimal Naik Founded in 2004 Headquarters in Farmington Hills, Michigan Over 50 million dollars in sales Debt free Almost 200 employees worldwide
PRODUCTS & SERVICESCredit Restoration The Protection Plan
Credit Restoration: United Credit Education Services 7 year track record “A” Rating with the BBB Served over 150,000 clients Removed over 525,000 derogatory items from people’s credit reports Removed over 50,000 public records Satisfaction money back guarantee
Documentation: Significant amounts of derogatory items removed from people’s credit reports enabling them to refinance their homes and cars and reduce their interest rates by up to 15%. Bankruptcies and other public record items removed allowing credit scores to increase well over 100 points. Late payments corrected to report paid as agreed. Credit scores increasing from the 400’s, 500’s and 600’s to the 700’s and 800’s in a matter of months. Individuals who have been originally declined for home, car and other loans are getting approved within several months.
What Would It Be Worth To Have Excellent Credit?Other credit restoration servicescharge thousands of dollars, anddon’t even offer the educationalresources and coaching thatUnited Credit includes, nor do theyhave the documentation!
What Would It Be Worth To Have Excellent Credit? A One Time Fee of $499 Referral Program for $548 A Monthly Option($160 Activation Fee &$39 A Month)
A Plan To Give You All Of Our Products At One Low Fee Of $87 Per Month!
You Get: Comprehensive analysis of your credit profile. Personalized recommendations and action plan to build and maintain good credit. An Education Library &POSITIVECredit Builder Resource Center
You Get: A Last Will, Living Trust and a Financial & Health Care Power of Attorney Unlimited changes and revisions Electronically stored data Will & Trust
You Get: The most effective and efficient user friendly debt payoff software program that creates a personal budget to: Pay off debt fast Save you thousandsFES DebtZero Build up cash reserves
You get: IdentityAlert $1 million service guarantee Peace of mind that your identity is secured
Youth Financial Literacy Foundation (YFL) Educates young people from ages 8 to 18 on the matters of personal finance Each member automatically donates $2 each month to the YFL
Why People Need To Take Control • The worst recession in our lifetime • Stock market volatility • Loss of savings and retirement packages • Loss of equity in homes • Unemployment at all time high • Social Insecurity
There is no bettertime than right nowto build something for yourself and your family
Income Opportunity TWO DIVISIONS1. Retail Sales And Developing Corporate Accounts2. Business Development: Recruit, Train & Manage A Sales Organization
We Get Paid 8 Different Ways1. Personal Sales Commissions2. Customer Acquisition Bonuses3. Level Overrides4. Field Training Bonuses5. Senior Field Training Bonuses6. Infinity Bonuses7. Generational Overrides8. Global Profit Sharing Pool
Retail Sales Commissions Customer After your 3rd sale, your personal sales Customer commissions go up to 33%Agent on all your Customer future personal sales
Theoretical Example: If you only got 1 customer per week = over $650.00/Month If you got 5 customers per week = over $3,300.00/Month If you got 15 customers per week = over $10,000.00/Month Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
Team Building “It’s better to get 1% of a hundred people’s efforts rather than 100% of your own.” ~ J. Paul Getty, Billionaire
Team Building Example 5,000 10,000 1,600 Senior Sales Field Director Field Trainer TrainerAgent $75 $150 $250 $350Agent Agent Agent Agent
Theoretical Example: Based On Sales Director If you enrolled 1 Agent per week who made a sale = $1,400.00/Month If you enrolled 3 Agents per week who made a sale = $4,200.00/Month If you enrolled 5 Agents per week who made a sale = $7,000.00/Month Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
Theoretical Example: Team Earnings Sales Director Field Field Trainer Agent Trainer Field Agent Agent Agent Agent Agent Agent Trainer $192 $247 $247 $247 Field $192 $192 Agent Trainer Agent Agent Agent $192 Agent Agent Agent Agent Agent Agent $188 $188 $188 $188 $188 $243 $243 $188 $188 Agent Agent Agent Agent $188 $188 $188 $188
In this Theoretical ExampleIf you did this once a month = over $4,000.00/MonthIf you did this once a week = over $16,000.00/MonthIf you did this twice a week = over $32,000.00/MonthFinancial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
Theoretical Example: Protection Plan You Residual Income Potential People85 85 85 85 85 585 85 85 85 85 2585 85 85 85 85 12585 85 85 85 85 625 Total = $75,000/mo Total = Total = $75,000/mo Total = $7,500/mo Total = $7,500/mo85 85 85 85 85 3125 Total = $750/mo $75,000/mo Total = $7,500/mo Total = $750/mo85 85 85 85 85 15,625 Financial Education Services, Inc., and any of their affiliate Total = $750/mo companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. 19,530 All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
Short Term vs. Long Term$ Residual Earnings Profit Sharing Personal Sales Commissions Training Bonuses Level Overrides TIME
Training & Support100%50% 25% 100% 12% 6% 3% FES University YouContacts
This Means Two Things!1. It doesn’t matter who invited you to take a look at the business or who enrolls you because they can’t impede your success.2. You can plug people that you know into the system and they might go out and do better than you!
Training & SupportOnline TrainingConference Call Training Live Local Area Trainings National Advanced Training Workshops
MAKING A DECISION 3 Kinds Of People 1. It’s not for me but I can provide a few referrals. 2. I’d like to take advantage of the services. 3. This makes perfect sense! I’m ready to get started. Show me how!
4 STEPS TO GETTING STARTEDStep #1 - Enroll & Become an Agent – $199.00 You Get: Discounts on services or Free services Information package delivered to your home Personalized Web site FREE monthly online sales tracking system Agent support Paid weekly Tax advantages $149.00
4 STEPS TO GETTING STARTEDStep #2 – Become a Customer: What Do You Need? Credit Restoration - $499 $399 The Protection Plan - $87 NO ONE PERSON NEEDS TO BELIEVE MORE THAN YOU!
4 STEPS TO GETTING STARTEDStep #3 – Become Referrer Who Do You Know: Has less than perfect credit? Does not have a will and living trust? Whose identity is unprotected? Would like a system on how to pay off their debt? Could use some extra income? Wants to become financially free?
4 STEPS TO GETTING STARTED Become great at inviting while you learn to become great at explaining. YOU CONTACTS RESPECT EXPERT CREDIBILITY
4 STEPS TO GETTING STARTEDStep #4 – Training & Support Online Training Conference Call Training Basic Trainings Advanced Trainings Annual Convention