Organo Gold: A Careful Review

#23. Wealthy Affiliate

Multi-level marketing
Ponzis are different to pyramid schemes and that is what this is. To bad it will take some good folks with it. As with any business, there are high risks, but of course with that comes great reward! Recent enthusiasm represents a bet that he will be a far better liquidator. But its those exact tactics that make the industry distasteful.

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But saying how the whole company is shady is simply not true. Primerica is a bad investment. The bad baseshop line is a futile attempt by Primerica to try to convince ex-reps to re-sign up. A different office still operates under the pyramid system.

You use your recruits to make you money. You know that their face is going to make the client put in their money because they want to help their friend. So you make the money off their families or friends sympathy. You prey on it and call it training. It just happened to me. They used her and me. I want to add that you keep mentioning how the Primerica products are expensive. It does not ruin relationships. You ruin your own relationships.

My network is growing actually. After you get licensed, you become a senior rep and then can continue on to get promoted. In order to be promoted, you have to qualify. Just like normal promotions at regular jobs. To be qualified, you need a minimum number of recruits and premium sales. You are compensated by contractual agreements at every level. Each level has a certain percentage. There are more competitive products such as Banner Life, Prudential, and Genworth.

Also, customers are faced with an Annual Renewable Term after their level term period ends so they face a higher price every year. Jennifer is spot on, and there are approx , reps who also agree, and leave this scam annually.

Those are Primericas own figures by the way! You talk about the , or so that leave. Which at last count was more than 72 note: Most do it part time. But there are plenty of people who have and are making a good living in this business. Not to say everyone is always on the up and up. But you can get that from anyone in this industry or from any types of sales related business for that matter.

There dishonest people in every profession. Its simply their best 12 month rolling window performance. Are you aware that their big earners list is a cumulative, not annual one? Many never repeated those levels ever again. As for the reps that stay, its a known fact that a relatively small percentage who got in early have any seniority to speak of.

Over the last 6 yrs, 1. In , the average number of new polices sold per rep was only 2. Commissions per rep average actually dropped from Maybe if you stayed until you atleast got your license you would think otherwise. Probably one of those people that pay the fee then quit saying they got ripped off.

They were 13 on the list. So you have 1 Trustwothiness, 2 Stability and 3 Credibility. Next time please feel free to educate yourself on any business opportunity more diligently before you decide to rail against it. Yes, it is very legitimate that Primerica paid money to be named one of the top 50 most trustworthy companies. Their representatives get paid a low commission for selling overpriced insurance.

Is it very legitimate that a company paid money to be named one of the top 50 most trustworthy companies? And, The same with the BBB? Everything you want is to reclute people in. You can read my review here. Unlike all the pyramid schemes, Wealthy Affiliate teaches you how to start a legitimate online business based on your passion and can change your life.

Here is a complaint about Wealthy Affiliate from Ripoffreport. I was thoroughly convinced that this company was legitimate. Even after I spent significant time researching them, going 10 to 20 pages deep into their google presence, I was still game.

This is the ruse:. Beware, and please read. They are smarter than most, which is why they have so many followers. They claim to have the key to training a person on how to successfully create their own lucrative work-from-home blog sites.

They do claim to be a lot of work, require a lot of patience, blah blah swoon. You almost had me. I was told by Nathaniell, on a pretty good site that I thought was legitimate, that I could enhance my existing site by adding marketing for products related to my already niche field of Kitchen Design, and get paid for it!

I thought it was somewhat curious that I could go to a company like Design Within Reach, and ask them if I could market for them, and have them pay me.

So after much resistance I signed up with a backup email to try it out for 7 days, and see if I could learn as much as I could. It turns out that a lot of the first training courses had to do with setting up a site, blah blah I already have one. I repeatedly asked, in the general forum, for help on finding out how to do what I was led there to do. And yet, this was all they seemed to cover. I kept asking questions and received several responses to just go through the training.

To buy into the gimmick? Just tell me where to go! If I feel that I need to take a few steps back I will. This girl suggested that I watch the Alphabet Soup section of the training, that it would help.

And within seconds revoked my ability to respond with his powerful finger. So, here I am. In fact, I was told that the core of what I wanted to learn was in fact in the premium membership, lucky me! They made it so that even if you look up complaints you will be hard pressed to find me, and instead only sites that are cronies just promoting themselves. If you know anything about internet marketing already, you will see right through this.

New training is updated everyday and one live video class is done every week. In order to access all of the courses and live video classes, he had to upgrade to premium. This is what he had to say:. The reason this happens is when people spam the community or they are violent towards others. Please give me some insight to your claim about the Forbes article being pay to include.

Especially if there metrics involved to rate them. Then no one on the list is legitimate. I am aware of the BBB doing that and most companies do. All businesses have startup costs involved.

One piece of information that i know for a fact you have incorrectly stated is after the 20yr period go straight ART. That is completely false. It is renewable at 5yr increments at the age of coverage for the renewable period. And stays that way til age After such it is ART. Who else offers that? Most others offer either ART or conversion to a permanent life policy.

Which one does State Farm offer? Uplines all the way up make money from the signing up of new blood. This is not how it works in Primerica. No Rep makes ANY money from the signup. And there is no product to buy or resell.

The only time any commissions are paid is when a sale is made. Think about it… I as a real estate agent am licensed and want to sell homes. In order to do so I must work for a broker any real estate company you work for or deal with a Broker. Either way you have to pay a commission to the Broker.

Nobody makes any money til a sale is made. Work out of your home if you want. Have more control of your business. State Farm uses captive agents as well. I could go on and on but it would be mostly a waste of time. Primerica has never claimed to be the cheapest. Cost is only a concern in the absence of value. Cheap is not the best and the best is not cheap. The insurance companies we represent have also been carefully chosen to provide favorable rates for people with certain medical and lifestyle risks….

American General Life Insurance Company. Banner Life Insurance Company. Protective Life Insurance Company. Pruco Life Insurance Company. ReliaStar Life Insurance Company. Transamerica Life Insurance Company. United of Omaha Life Insurance Company. William Penn Life Insurance Company. Primerica is 11 levels deep, this means most people will get scammed and only a handful of people will get rich off them.

Business is not for the weak. Only the strong survive. Primerica sells hope, freedom, and good product. State Farm has to overcharge because they have to pay for their comedic primetime advertising. Only losers are reported and talk bad about the company. Have fun slaving your life away for benefits that are not really guaranteed in your retirement. Dive into business so you can live your life better. Use your creativity in a business. Americans really are so spoiled. Education and Imagination are some keys to life.

Have a great day yall. Primerica has uncompetitive overpriced products, please read the endless complaints on ConsumerAffairs. People that realize they are being scammed also talk bad about a company. You keep posting this website. The only people that complain about the company is the ones that never tried.

Money does not fall from trees. You must work hard to earn a descent living. About the pyramid scheme let me ask you this, do you have a job?

Is the same exactly thing. Ask any person that is a millionaire or wealthy if they just got money like that. No one will tell you yes it was easy, all of them worked hard to get where they were.

Texas Insurance License Exam: If you want to be a blogger you have to pay for a domain and a site to keep your blog going if you want to be legit, unless you want cheap illegitimate crap. In a job, you will never pay them a dime and if you do, you will likely get compensated or the small investment will pay for itself.

But after discussing how the business works with a Primerica it seems to be based in very shady roots. Any company that needs a 20 person seminar like this was a Tony Robbins class is not a good sign. And anytime a company is set up in a upside down multilevel fashion means the little guy is not getting the money they deserve. Its also not about being able to cut it in a sales environment. I have worked in sales for years and if you sell something you should be paid for it.

It also seems like a bunch of people from the Primerica company have found this page and seem more worried about putting down Jennifer then building up their company. This is the scientology of the insurance game- they want you to feel good why they steal your money and make it seem like your making a difference to people.

Also what kind of pig thinks that selling your family and friends insurance is not ruining relationships. If you were real sales professionals then you could go out and make the cold sales thats not on grandmas dime. Josh, you say that, but yet youre here on this site…. You probably dont even know how to read a financial statement. We have the most 6 and 7 figure income earners! Whatever a rep makes is his or her choice. You get from it what you put into it. If you recruit and push people up by helping them be successful and eventually be able to open up their own office, everybody wins.

The families that I help get to financial independence in retirement, the reps that I help promote, myself and everybody all the way up to Head Office. If the newest person works harder than the people above, that person can pass them. Everybody gets what they want here by putting in the necessary effort. Nothing comes for free.

Primerica subsidizes the IBA fee to make it affordable. As for the Primerica Online fee. Its priceless as far as our businesses are concerned!! Consider the Source people!!! Do your own research!! People can put whatever they want on the internet!!

Credible research was done Shar and my conclusion is that Primerica is not a wise investment for the entrepreneur nor the customer. And yes, to earn a decent living agents have to work very hard. If it was to the best interest of Primerica for all their representatives to succeed without any risk, there would be no fees at all.

Primerica online should be free. Yes, and i trust jennifer, someone who Google this stuff and is obviously an expert! I think going to college must be a scam. If I were you, look into the opportunity again with a real coach who has the best intentions to develop you into an RVP. I do not think you know much about mutual funds, there are two main kind of mutual funds, load funds front end charge and back end charge and no load funds.

I was with Primarica for a few months, it was the most terrible experience in my life. People, please do not join this company. You will end up spending hundreds of dollars and make nothing at the end. Reiko, Christian, you both suck! You guys most likely have no education. Take a look at those people works for Primerica, none of them have master or PHD degree. Also, how do you guys make money? You guys got paid by educated people? Or need to sell insurance so you can get paid?

How do you know these gentleman to speak on there education. Furthermore if you do your homework it takes more than a few months to grow anything try years. So you have no credibility in business sense to even speak. They didnt graduate from college, however they are billionaires. I will do you one better talk with your high school and elementary teachers. That statement complete with grammatical error just says all you need to know about Primerica reps.

It is unnecessary to hurl insults to get your point across. If you do not like the company it is your choice. I just joined Pirmerica and I will make the amount of money I choose by working hard.

I am very educated. I just want to make extra money. I really depends on why a person gets in involved. Most educated people know you should buy term and invest the difference. Anyone that reads Money magazine or listens to the financial advisors they have been saying it for years. It is the young people that have no clue what to do with their money and will invest in whole life. It is unfortunate that Primerica will recruite anyone and that people are dishonest.

Primerica never worked for you because you are probably one of those people who think they know it all..

They still point out to an outdated Forbes magazine for legitimization. Hey, guess whole else was in Forbes? Do people even read magazines now? The products are presented as if they have a giant market, but when people find out they are overpriced they leave in drones. The market is so limited and closed and the money comes out of recruits hard work while the people in the top get all that money.

I swear, they even defend millionaire leaders who are clearly exploiting their gullibility. People sell insurance programs that nobody has ever heard of, but they do it for the money. Karry, thank you so much for your insightful comment. You will help more people than anyone can being a Primerica agent. I wish you the best in your endeavors. Billion dollar companies nobody has heard of is good for MLM companies since they could continue what they do without anybody asking nosy questions, not good for the distributor morons.

Corporate America is a pyramid? Could people in MLM in the bottom feed their family? Another funny one is oh we work with reliable companies advertising the shit out of other companies but themselves. No more stealing credibility from others who earned it. You want to be rich? Go to the ghetto and recruit the homeless and get them licensed. The sad thing is that people who got started with Primerica will read these reviews and actually believe it.

For example, this article writes about Primerica only offering a year guaranteed premium term — are you crazy?! We offer 35 years! It makes me think — who are you? And where are you getting your infomation?

Also, Jennifer is a State Farm agent. She is in competition with agents from Primerica. Primerica promotes canceling any permanent insurance one might have to buy term life insurance and investing the difference in mutual funds. If someone becomes uninsurable during the term of their insurance policy, they end up without any insurance after their policy expires and their insurance becomes unaffordable in many cases as they become older. Jennifer- way to not address the main point that Tijana made in that Primamerica does in fact offer 35 year term insurance.

Well Jennifer, Tijana does have a point. Primerica does offer 35 years. Also, buying term and investing the difference does make since if you are older because whole life is costly.

Whole life only makes since if your parents buy it for you at a very young age. You should at least update. I personally own a 35 year policy with Primerica.

My rates were set for 35 years. I am renewable and non cancellable even if I get cancer, heart disease, etc. I have it in writing. I googled best term insurance, and their name came up as 1.

Primerica also pays out a higher percentage of policies than any other company. Also, I have funds with them. They are not all load funds. Yes, they are mutual funds and there is a MER…is that what you are saying? As well, they are required to be licensed by the state or province. I think you should do a bit more research before you post? There are some things that are true, but you kinda twisted them…. These sites include Quotacy. I used to work for Allstate and when a friend of mine approached me about Primerica I was shocked by what she told me.

Legitimate companies do not work this way. Also the commissions were much much better at Allstate and I was never asked to recruit anyone and they provided the leads. And even better, the agent I worked under paid for me to get licensed and I was able to work there as a customer service rep while going through the process. I tried to warn her but she was recruited by her mother….

Jennifer, I think your analysis of Primerica is incorrect. I spent a bit more because I wanted to take my license quicker and took an audio review course for the life insurance exam at helpmepass. The monthly POL fee is optional and you can choose not to enroll. But considering if I wanted to get this same license at a community college, I would pay a huge sum amount of money.

In , an average of 2. In regards to their products, Primerica only sells term which can turn into an annual renewable term after it ends which increases in price every year. Would you want a part time optometrist doing surgery on your eyes? Primerica only sells term life insurance, but no permanent policies. These are for seniors to cover funeral planning. I like how Jennifer keeps saying how Primerica has overpriced products. Because if you look at anything that is sold, you can always find a cheaper price somewhere.

Same with term insurance. But fact is, if a client still needs insurance once their initial term period is over, Primerica has the best end of term options out there. Also like your style Jennifer. I bet you get quite a bit of traffic and make quite a bit of money from this site.

I would love to meet you one day. Seniors need permanent policies for funeral planning and burial policies. Primerica only offers term. I also wanted to note how you keep mentioning the turnover percent.

For example, Massachusetts Mutual Life Insurance Company was listed as having the highest turnover rate out of all of the Fortune companies. And all of these companies are large, well know, and profitable companies. Unlike Primerica, all these reputable companies paid their employees a decent salary. I is clear that Jennifer has very little knowledge of the company and what it takes to be successful in it. I would say it is not for everyone. If you want to punch a clock, get paid a fixed rate for fixed hours of work and hope that you can get promoted someday, then this is not for you.

It is a business, so it will take work, and lots of it to build a client base and make some serious income. The success rate is so low and like many other people have said, only a select few actually make a good living out of this, and earn that 6 figure income they constantly brag about and make people believe that they can make.

They make that money because thousands of people are too ignorant and gullible to know any better than to waste their money and time. These people are experts at brainwashing you into thinking that this is actually a good idea.

Many on the list achieved that level only once. This is the equivalent of any company with employees having only 1. I just went to your term4now and Primercia was cheaper them any coverage from them. I joined Primerica to offer financial services to my clients , being i run a succesful tax business , some times our orices are cheaper and some times not that is not a scheme , life ins, pays out ,incant say that for many companies , I am happy with Primerica, I am educated have a masters in accounting and business management , so where youbalk get thatcwe are uneducated is sad, maybe you had a bad experience ,or your just posting and know nothing of Primerica, but i love the products and the fact that i get to iffer my clients financial planning makes me feel great!

Like insaid to each their own opinion. But you get what you out into it and i dont have too gather my family and harass people , I have i offer the services and i try and get them a good price. Their investment products are restricted and their sales fees are immense. A better option is going through an online broker and investing in no load mutual funds. One sale would be to myself, one to my mom and one to a best friend.

They kept saying upline and building their base as wide as possible and that screams pyramid. Sure enough, all my online research has backed up my feeling of creepiness about interacting with them at all. Jennifer that is not a true statement. There are cases where you do not want to cancel a permanent insurance policy.

But the primary goal of insurance is to cover income costs during a time where it would be catastrophic to go without income. Most permanent insurance policies are so expensive the insuree cannot afford enough coverage to prevent a financial disaster. They are a scam that pays huge commissions to their agents.

The second time I tried it, I had to take an oral swab test and my results came back positive for tobacco. I felt that I was being scammed so I end up canceling both times.

Thanks for sharing Candice. Yes, it seems like they wanted to charge you more. Thank you so much Jennifer, I was approached by a couple about this company. I was already kind of skeptical about it but after simply knowing that it is MLM is all I need to know. Sales is a very lucrative profession. But a word of advice, stay away from pyramid schemes. The odds are stacked against you. Stats speak for themselves. Our part time people will not make your 32k like you do at State Farm.

Factor in the people who literally do nothing every other month. As far as people calling it a Citi Group spin-off… Primerica bought itself out of the contract. Their companies achievements were being undermined with a company that was failing.

Your copied post about the paid up policy that rolled over… Hmmm. So I would say that is false much like the majority of this page. Now to the next lie about the overpriced coverage. If Primerica had coverage that is so expensive, why is it that every time they are cheaper on renewal?

You need to double check your math. There are two scams in the life insurance industry. Their returns on investments never add up to what they project. Get your facts right before you make false claims. There have been instances where if a customer declines to make a change, the policy converts to an increased flexible premium without an exam. In some cases, Primerica offers annual renewable term after the level term period ends which increase in cost every year.

No-load funds generally have lower average expense ratios than load funds which mean higher returns that can put thousands of dollars over time in savings and compound interest.

I would definitely love to hear your research on what insurance companies out there teach you how to get out of the need for life insurance. I would love for you to actually go into these banks that are giving you. I have personally helped one family get out of debt 31 years earlier then at the rate they were going. So tell me how did you help them by making them pay their whole life?

If you guys did so many miracles for people, why hide who you are and make people beg for more information in fake job interviews? I bet you that they were lured in with False dreams of being in shape and healthy.

They make you pay thousands of dollars in tuition, fees and book with out even a promise of a job. Most people quit when anything gets challenging.

I have had a bad experience with an individual and the next agent helped my family tremendously. I have a will, living will, and POA. Your comparison between Primerica and marriage, college, and going to they gym is irrelevant as the odds are stacked against Primerica reps. In this case, instead of stating irrelevant facts, keep yourself on topic with Primerica rep facts. If the person cancels and is uninsurable they will b without coverage so we do not recommend that.

So that makes no sense and u mustve made that mess up. You seem very like a very upset whole life agent. Did you create this site for leads? Like who really sits around and creates a hate blog. And as far working for Genworth, Banner Life and other companies you must have years of experience to even get an interview…. So Jennifer this is not a way to get clients by bashing a company that has helped soo many families including mine?

You purchased the item and you paid for it. Just be reasonable with your selling price since that manufarure was with you buy providing you with a coupon to start with. But worse is the people that go into the store and steal the coupons. Or go to the newstand machine and steal the coupons out of all the newspaper and only pay for one.

All that does is in the long run hurt all of us. If you are buying to resell that means you are trying to conduct a business and therefore need to have a valid re-sale permit and claim on your taxes. So I believe that reselling items to make money is wrong! If you got too much-donate! I mean at least she is not throwing the stuff aways or wasting it! I find nothing wrong with it!

I personally think that it is wrong to coupon for the purpose of resale. If you have that much of any item, donate it, gift it out or simply do not buy it. It is inconsiderate to make everyone else who wants the deal suffer just so you can make a buck or two. There was a lady here that was banned from Walgreens. One of the shoppers at her Garage sale had seen her in Walgreens prior to her garage sale and then she seen all the items on a table.

She took pictures, went to Walgreens, and they banned her! Can Walgreens do that??? We reserve the right to refuse to sell products to you if it reasonably appears to us that you intend to resell said products. Verification of information may be required prior to our acceptance of any order. We further reserve the right to limit quantities of items purchased by each customer. How is selling items from your stockpile any different from selliing items you recieved as gifts and never used?

We see very clearly those who embrace capitalism vs. The capitalists would say that if consumers have taken the time to clip their coupons and find the deals, which were absolutely attained ethically and legally, they should certainly be allowed to sell them if they choose.

Others those who may have socialistic tendencies? AND, I might add, it seems that some are harshly judging those who do sell their stock. They are ethically bankrupt! Okay, so maybe my views are becoming evident. Shelf-clearing, we can all agree, is rude.

But beware of letting others decide for us when we have attained too much and must redistribute it. That scares me- a lot. Very well said Laurie!! I donate a lot, but I do keep a lot for my own use. Nothing wrong with that. I do sell items to my brothers though. So I make sure I put a little post it on most items to remind me what I paid for it. They stop it and while the person is mad at me, more people get in on the deal. We are in a tricky financial situation with just the two of us, so I understand why someone would sell their stockpile.

However I think it comes down to various morals. My personal morals would keep me from doing it because if I got something for cheap or free, I would rather donate it. Not to mention the Red Cross takes personal item donations as well.

While my personal morals would cause me to feel terrible for selling something I got from couponing, if you can do it and not feel bad about it, more power to you.

However, do not clear shelves and ruin things for the rest of us. I live in a small town. I do my shopping at my local Walgreens. Every week when I shop most of the items the shelves are all cleared. I usally get the last item or two on the shelves. Most stores have limited stock on hand. Always empty shelves where the sale items should be. There are SO many homeless and disabled veterans who are struggling to take care of themselves and their families. And what better way to share than to those who have fought for our rights?

I love this idea! She can use them at the PX and shares them with the other military families in her area. I love to coupon. Sometimes I buy more than I need. I have a job with a flexible schedule so I can go out almost every day. I resell some of my things at our yard sales.

I also make baskets for people who need it. I made one for a lady from church who lost her job. Another for a family who is struggling to pay bills with one income.

Someone else might need it. I give out laundry soap to my family instead of them having to buy it. I may see a story shared on facebook about a family struggling. I take lots to them. I agree that you should not clear the shelf. I also believe that once you buy that item it is yours, whether you used a coupon or cash to purchase it. If you purchase it with a coupon that you got in your news paper how is that any different than cash.

That item is now yours bought and payed for in a legal manner. Why would a store be mad at this practice if they are still getting their money, be it a coupon or cash.

I see many Avon, Tastefully Simple, and the like products sold at garage sales that the people were obviously reps and selling inventory. How is it any different. Its their product, they were cut a deal on it, and they are selling it, and I am sure most are making something still on them or they would be giving them as gifts at their parties.

When I get something with a coupon for free, I still see it as I paid for it, I did the work to buy the paper, cut the coupon and organize it and take it to the store to use it. It is now my product and I can use it, gift it, donate it, or sell it like anything else I paid for with cash.

It is the reason I am in the business is to make money. And with couponing, I do it to save my family money and if I have too many of something, why not sell it to someone for a good deal and make a little for all my time and work. As you said it is no different than paying cash for a product then selling it. I am definitly not a shelf clearer but I do accumulate alot of stuff and my extras I give to friends and family and also sale some at my annual yard sale at alot cheaper than you would pay at the store and people are happy to pay that price it helps my family and also theirs!

I even tell people if they ask how I got all the new stuff that im a couponer and need to get rid of some of it noone seems to mind! Now that ive read the comments my opinion is…..

I just dont get it lol. This is a great topic! The items that I did sell, I got for free, or nearly free, and l did sell them to make me a profit, but the people that bought them still got a great deal. If she paid for them, or got them free with coupons, they are her items. How can they prove that those items were from their store? He works hard for our money, I work hard to save our money. I am very torn on it.

I fully agree with someone selling off their extras in that kind of situation and think they are showing initiative and working hard cause couponing is work to help themselves rather than expecting others to do it for them, but, I do not agree with the shelf clearers who stock up leaving nothing for others just so they can sell the stuff, especially if they are financially stable and just want play money or the thrill. I would rather give it to someone or charity that would use it instead of selling it in a garage sale…..

I believe if you have too much donate please. I get that you paid little or none for it but paying it forward is so much better. If you can afford to have too much then give. Thats why the rich get richer and the poor get poorer. I went to a garage sale a few weeks ago and this lady was obviously a great coupon person.

The issue I had with this was that the items were the same price as new. I would have gladly purchased the Dawn for slightly less, but when it was the highest price that the soap ever is, well, I will wait for a sale at the store.

I am one of those people that believe that if you have it and want to sell it, fine sell it. It was yours, you paid for it, in time, in effort and money invested. I worked at a shelter here and they eat better and have plenty of donations from large corporations to fill their coffers. I am so glad that this was re-posted!

My family has been struggling to stay afloat through a layoff and my going back to school. Thankfully I found couponing and it has been the ONLY thing keeping us from defaulting on every bill we have! I do not clear shelves when I coupon, but I do order the amount that I need. What I do not use I give to my family, donate, and recently have decided that it is time to have a garage sale.

With the fall semester looming close I need to figure out how to get school supplies, books, and gas to and from school, and if selling part of my stock pile ables me to purchase these needs then I will do so. Their purpose are to get rid of items you no longer need or use. Clearing shelves is a good thing but price it at garage sale prices — not store prices. Then use the donation receipt on your taxes.

I do it because my family needs the financial help that these help provide. It was almost a cart full of deoderent! I get the stockpile thing. Then it has to be either donated to a shelter that feeds or thrown away. I agree with you about all of the perishable items. It is almost wastefull with freezers full of food that will undoubtedly go bad before they are used.

That is why I am THE couponer of my family. When it is time for anyone in my family to go grocery shopping they stop buy my home first. If I can get food for free then those I love will too, and my frozen stock pile never goes bad. I am also so glad to have caught this article. I have a newborn in the hospital born 10 weeks early and to help with the stress i discovered couponing. Not only does it save us money on things we need, it keeps my mind occupied when things get stressed. Needless to say, I have started quite a little stockpile for my standards anyway and was wondering if it is ethical to sell them on ebay.

I was going to create a dollar store of sorts and whatever money i made would go back into the couponing. This is a touchy topic for me. As I believe you should donate if you have extra. However due to tough times and neither my husband or I having a job I have thought about having a garage sale to sell what little extra I have acquired just to put food on the table.

Providing for your family comes first! Wow, it is a tough delimma. Like many others, I am continuely frustrated by empty shelves.

Luckily our Walgreens is not a 24 hour store so I was able to get there when the doors opened on Sunday and got every item I had on my list, mostly thanks to a woman who was gracious enough to let me have the 2 Cottenelle tp packs I wanted before she cleared the shelvles. She was part of a tag-team that split their lists ahead of time so they would be sure they each got what they wanted.

The question I had to myself was, were they buying up all the good deals for their own use, or for resale? I guess if they were only buying all of that just to put it in a garage sale to make a profit, well, then my impression would have changed a bit. In my eyes they may have been taking away the opportunity for someone else, probably worse off than I am financially, to get in on the good deals. Early bird catches the worm? Maybe, but not everyone has the opportunity to get there early.

Maybe the stores should take some of the blame, they should know by now which items are going to fly off the shelves and be able to restock appropriately? I do agree that once someone makes a purchase they should be free to do with it as they please. Last I checked, it is still a free country. I just wish those people would be considerate of others before they clear the shelf. I think its BS to sell it at a garage sale.

Thats a no-brainer for me, I think its ridiculous that people do that. Thank you so much Chelsea! Save it at the store for people who will use it. Not only is it in caps on products but its there for a reason. Now, my favorite cashier informed me that not only did one lady buy them all, but she came back and recieved a raincheck for more. Not saying that all people that pull things like this are reselling, but highly doubt they will be donating a bunch of razors and probably other things.

Using donation as an excuse to buy more items is a cop out. I have similar problems at cvs, but considering cvs DOES have limits and you only get the perks for the number allowed its an easier place to shop. We have a local lady that does the same every week here…. Many people are unemployed and not making it now. I either have to decide if I can scrounge around to see if I can afford full retail or I have to do without. I started couponing as a way to survive.

I usually do my shopping early sunday mornings before the stock trickles out, so I know shelf clearing is going on hardcore in my area. Its definitely a very grey area. I can provide my customers with cheaper items then they would normally pay and it helps support my family so I am ok with this. I was discussing this with my husband, he brought up a really good point…..

The manufacturers and stores that are producing and accepting the coupons are not being philanthropic in letting us use the coupons. Their ultimate goal is to make money and gain customers. They may have not paid for it, but they did the work, and all us couponers know, couponing is work! Live and let live…. There is nothing wrong with it, if people are getting the items for less than the store sells it, and you are still making a profit…who cares?

My mom said there would probably be a lot of Nivea body wash at the flea market when that coupon was out. If that is the case, then you should all quit being hypocrites and relinquish every single one of your luxuries to help everyone less fortunate than yourselves. For the shelf-clearers, I have this to say: The bottom line is this: I just wish people would MTOB!!!!

I quality for government assistance, but am unwilling to actually sign up for it. I work a full-time job and do what I can. If someone I know needs something, I give it to them.

And one day I hope to be at the point that I can afford to buy extra items and donate them to my local food pantry that has helped me in my time of need. I have mixed feelings about it also but I think it is not the right thing to do.

I try not to get stuff that I do no need with coupons others who need it can get them. The thing is that we spend money on newspapers and gas to drive to stores and printer paper and ink so why should we not get some money back. I do not think I would sell the stuff at a garage sale I would perfer to donate but others might need the money and it is there stuff to sell if they want to. How is it ethically ok to get something for FREE and get a tax write off on it by donating it?

We held a garage sale this past summer. At the garage sale, we sold all kinds of items that we cleaned out. And yes, some of the items in our garage sale were from our stockpile! Our family originally want to send a large portion of our stockpile to Joplin, Missouri to assist tornado victims. However, that was not a need for the victims seeing as most in need no longer had a home! Instead, we sold these items so that we could send them money. Every penny that we made from the garage sale went to a church in Joplin, Missouri to assist tornado victims.

Be careful before you judge. People may just be trying to help others out. I think it is a great way to help ppl get a good price on stuff. Not everyone has the time or patience to coupon and it gives them a chance to save also. I find that if you wait until a week or even a few days before the coupon expires you are more likely to get the item.

Since a lot of coupons only allow 4 items per transaction, I have just made it a habit to only add 4 of each item to my stock pile. The world of buying selling all works on the same principal. Buy low sell high. I also resale items online that I buy at yard sales, thrift stores and Goodwill.

It is how the world works. In the end, the companies and the stores that sell these products make tens of millions of dollars. If it hurting them if you resell the items for pennies compared to what they are making? Yep I do, it goes into my business fund. There are a lot of people that use ebay like a yard sale.

I see nothing wrong with selling anything you own for money. There are those that sell wine corks on ebay. These days you can sell anything. No it shouldnt matter. Couponing is very time consuming, and if people want to sell their goods then go for it!! Like you said, it is no different than the vendors you see at fairs and carnivals. Do you really think they paid the same price for that can of pepsi that you are buying it for?

Everyone is struggling to make a buck these days. I personally am over all the bs that goes with couponing and have not done it for several months now. I live in a small town and the shelves are ALWAYS cleared, and most usually by the very people heading our local coupon groups. Walgreens had no business banning that customer either. I am a couponer and I do it to save my family money…but this idea of buying extra and reselling it to make ends meet is ludicrous.

There are jobs out…maybe not your ideal ones but there are jobs. The politics behind couponing has become ridiculous. I guess I have a different theory behind my couponing…I do it in small doses to help stretch our budget. I start again in January. Any couponer that has a stockpile has earned it. Many times over in fact.

Couponers clear shelves because they may have gone to the store 4 or 5 times and the items were gone. When they finally find some ,their coupons are near the expiration date ,so they take whats there.

Real couponers know that people that have a lot of coupons to fill either have bought multiple papers, have multiple computers ,or have purchased coupons. Couponing is a blast ,but when non couponers or alleged moderate couponers are sleeping or having fun ,we extremes are scanning the sites ,clipping or making trips to the stores.

People that cry about mt shelves should direct their attention to the maufacturers and the stores for their inability to meet customer demand. People are suffering and couponing is a survival technique. Sorry us newbies have inconvenienced you. See you in the mt isles. Most manufacturers clearly state at the bottom of their coupons items purchased with coupon are not for resale. A lot of our extreme couponers are defrauding both manufacturers and retailers.

Costing people their jobs and raising the costs on everyone else. Also, many companys are now starting to partner with manufacturers and IRS to put an end to this and to track down the big defrauders. If you are making money and not reporting the income on your IRS statement — lookout! Well, our company is working with the police, manufacturer and District attorneys to prosecute these people for fraud. Be productive and stop trying to scam!!!! Teaming with the IRS? What misinformed no it all told you this?

Please, next time you see a stockpile sale hurry and call the IRS and tell on them. Then listen as the agents laugh at you behind their hands.

Taxes are based on profit, and because coupons are considered legal tender there is very rarely any profit. You may not like that answer, but it is what it is. When the states stop charging sales tax on the cull purchase price then you m ay have a point.

So when is the IRS gonna knock on my door because I sold my mom a bottle of shampoo, soap, and tooth paste for the price I have on it? You must be an angry minimum wage cashier that is mad because u have to scan coupons?? And I will continue to purchase for friends and family and allow them to repay me…. So when the police and IRS are ready to knock on the door they have my address and phone number on the file on all my shopper cards… Ill be waiting.

In the meantime I will not pay full price for anything…. Wow, I have been applying for jobs for a long time. To Me ,You have every right to sell your stockpile. The grocery chains are making a killing ,and leave us chasing coupons and sales.

Then some naive people defend them. This week Shaws has Dynamo clothes detergent buy one get two free. Still is higher than Wal-mart.

They think we are stupid. Good luck to you! She sells stuff name brands much cheaper then I could ever find it -even with a coupon at Wal Mart. Hope she does it forever.

And it really helped us make ends meet and it helped the seller make ends meet. These days you have to do what you have to do to survive. I applaud anyone who is doing anything legal to support their families. My only comment is about this one: I also think there is a difference in someone clearing out the last handful of items left on a shelf and someone taking I try not to take more than 4 items off the shelf at one time, but sometimes that is all they have. Quite a few of those end up being items I donate to the local food bank like the U by Kotex liners from CVS this week.

So what does everyone think about this? My husband is in the military so we will undoubtedly be moving around. Should I donate or sell it?

It is a great way to help your fellow military that could be struggling to make ends meet. I pretty much sold it for what I paid, and Donated the rest. Im a military Wife, TMO came and packed us up today. I saved a few items from my stock pile. I see no harm in selling it, but NOT to make profit ya know? Is there any difference if they won something and sold that?

Read the fine print thang sets not for resale. You are taking money away from the companies that make this product and the companies that sell them. Admit it to yourselves stockpiles and shelf clearers you are all just addicted to shoppin. Lawn sales are for selling extra or unwanted items.

People have the right to sell extras from their stockpile. The lady that wrote we clear the shelves in the grocery store because we cant go to the mall is off the mark. We clear the shelves at the grocery store so we can go to the mall. Then we shop the malls sale ,use coupons ,and pick up change on the ground. If we are lucky ,some returnable cans will be in our path. People that take the time to bash something as innocent as couponing ,must be challenged at some level.

What would you like to challenge me on? I have my opinion you have yours. Seems like youre alittle sensitive about the subject. No one needs to stockpile products to the extent we see on tv and people talk about.

I think it is wrong for people to be stockpiling more stuff than they need. They could use this stuff. I think if they are going to stockpile, they should be donating the extra to people that need it. I think eventually this is going to cost us more. I also think if they are allowed to do it, it should be at the end of a sale week. Then everyone else has had a chance to take advantage of the sale too.

In reply to Kelly , isnt buying things and selling them for a higher price capitalism. Why should Shaws or CVS have a corner on the market of food or household goods.

As a shopper ,I would check the prices at the Flea mkt and if there was a good deal to be had ,they would get a sale. The manufacturer puts out a coupon that is a very small fraction of what they get for the product normally. If its a coupon that matches up with a store sale ,then they sell a ton of it. Through this ,they get their products out there ,take the business away from their competition, and get people hooked on their brand.

I am very thrifty ,but after trying certain things ,I too have loved them ,and eventually bought them at regular price. Manufacturers have no control what stores charge for their stuff. Shaws charges percent more than Walmart.

Why wouldnt you alleged moral folks find an issue with that? Arent they ripping off the customers through pricing ,and the manufacturers through reduced sales? The stores get reimbursed full value of the coupon plus 8 cents. This is real money. Couponing transfers money from faraway bloated consumer manufacturing companies to local economies. I cashed in 11 1. I suspect Johnson and Johnson can afford their coupon promotions as they have a long history of making huge profits on the backs of economically challenged consumers.

The local Walmart got a sale that pays them an additional 8 cents per item ,or. I give it to students and family or eventually the food bank. Some of these people will like Reach and become lifelong customers of the brand. Couponing is a win ,win for the stores ,the manufacturers and the consuming public.

As far as the whiners who complain of mt shelves. If a deerhunter went hunting ,saw no deer ,and then railed against all other hunters for allegedly getting his deer ,wouldnt we see him as a little boy whistling into the wind? I read that one lady spent an hour reading the blogs ,then wrote as a more informed person ,but still with her conviction about couponing.

Couponing is available to everyone. Even those that work have days off ,evenings off etc. Things that are resold should remain in original packaging and the expiration dates should be unaltered. Beyond that ,I suspect its a free country. Obama wants the wealth redistributed. Maybe we can do it from the bottom up. Perhaps a little from the grocery industry to the long victimized consumer.

I would also like to say that I totally agree in couponing to feed your family, and stocking food ahead for your family. I do not believe in stockpiling stuff you do not need, just because you can. I am a couponer with a ton of experience and a ton of coupons. If I find something I need and I have 20 coupons for it, I will take as many as that retailer will allow me to.

Moving on to resale of goods. It is technically illegal. You know what I mean. I totally understand with a retailer providing enough stock for their customers. But tell me just how often is any retailer, big or small supposed top anticipate with certainty who is going to come into their store say CVS, and clear it out of all 20 of aparticular product. Get stick with more than they need when no one makes a run for them. The first morning of the sale they were out.

I asked the manager how many they had to begin with. And no rain check because it wasnt an item they normally carried. There must be a happy medium. They shouldnt be left with hundreds ,but 6 for a sale is silly. I was also told that CVS lets the couponers in on sat nite when the sale doesnt start till Sunday. No wonder people are saying the shelves are cleared when they arrive Sun morning.. I find shelves mt all the time. It just makes more of a challenge.

Couponing is innocent and legal and this is still a free country. If this is happening at your store, call corporate! Unfortunately that is not true.

All of the CVS stores in our area got in trouble by corporate for starting the sales on Saturday nights. According to corporate rules, sales can only run Sunday-Saturday. And that is bogus. I have worked at CVS for two years at four different stores. Same schedule at all four stores. Both sales on Saturday nights. I was told by Harris Teeter that they could order of an item that is going to be on sale, but if the distribution center only wants to send 50, that is what they do.

The stores have no control over the amount of inventory they receive. Well, couponing is no different than any thing else in this country. I agree with the hunter example. First come, first serve. If you get up early, get all the deals, then get up early again and go sell it at the flea markets…then good for you. That means my tax money is not going to support you. Sell items that you get from couponing is no different at garage sales.

I come across stuff all the time that is brand new, in a box that people are selling. If they make a profit off what they are selling in a garage sale, good. But most likely they are not making a net profit because of everything else they are selling. I personally sell my deals to friends and family. So I pass the savings on to them. I buy 4 papers a week. Now yesterday, Loreal hair color was on clearance and yes, I cleared them out. Sorry, I found the deal first. And if the truth be known, everyone is getting a piece of the coupon action.

Though I love this page dearly and some of the other pages too, they make money from all of this too. Even though I know how they do it, I support what they do so I help them to make money off of me. They show me the deals do all the hard work , I support them then I get the deals, sell it to my people. Heather ,you say you have very little ,but still wouldnt sell something on a lawn sale. Maybe thats why you have so little. Its a tough world out here. This blog has been about right and wrong and morals.

Society molds you people to think like you do. If you were homeless ,they would leave you out in the cold. If you needed a specialist but had no insurance ,you would be left to die or suffer. Couponers are good people ,playing by the rules , to try to survive. The grocery stores have no rules. They can pay 50 cents for something and sell it for 3 bucks. Wheres the outrage there. We have become sheep. The people couponing ,and even selling a shampoo for more than they paid for it are the good people.

The amount of energy put into bashing innocents ,when channeled in the right direction ,could be quite useful. I too find shelves cleared. I know that if I make return trips ,I will find it.

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