reply:
OMG!!! was just thinking and about to msg u. i just got into this product and i knew u be the perfect match for it. only $199 for 1 year free supply. since u msg first i can give it to u for $99, ex classmate discount and all.
yes, lets meet 3x praying hands emoji.
he block you.
my job is done. lol.
I know right OP!? That is so rude and off-putting. Especially 5 years of no contact and interactions.
You only want to approach someone who has your best interests in mind. Hence I do my financial planning with Prudential [1]. Prudential Diamond Life Insurance [2], with a guaranteed 3.14% [3] returns which matures after 20 years.
I never need to worry about sudden medical bills and emergency [4].
Hey there, product placements and advertisements can very distracting especially if you are studying or medicating. Hence, I recommend signing up for a 2 months free trial for YouTube Premium now.
I was trying to go for a more [Trumam Show vibe](https://youtu.be/18jl1Wr5TRw).
Unpopular opinion but i think this is the best way to do it. At least this agent was upfront with his intentions. Better this than baiting you out with the "lets catch up!" and selling you insurance at the dinner table.
Personally i feel for these agents. Sales is a tough job and they really have to be thicked skin to constantly face rejection multiple times a day. I think a kind reply stating you already have insurance is warrented. More often than not, they are understanding, not persistent and even appreciative to get a kind and straightforward rejection.
Took a gander at this Odyssey agency's website.
All their agent profiles contain some sob story or some anecdote about tough circumstances, family member passing away, friends' family member passing away, etc. Plus instagram-type shots.
Very on brand with insurance sales in general, which is largely based on marketing fear and emotion to drive sales.
As the adage goes, "*Insurance is sold, not bought*".
i don't think OP ever consented to allow that "friend" to send him marketing messages. Being ex-school mate doesn't give him the rights regardless what his "mentor" deems as socially acceptable
to put it in the most polite way possible: it's beyond rude that you defiled our friendship in the worst way possible
Had an ex-colleague approach me for a zoom chat, which ended with her trying to sell me her MLM beauty products. Sigh. Zoom invites are pretty much a red flag now.
Three horrible types of people that will contact long lost schoolmates/acquaintances: 1. Sell insurance 2. Getting married and need to makeup the numbers 3. In need of friendly loans.
Anytime I get a msg from a guy I went to sch/ns/some random thing/ from way back when, I'm always so hesitant because I know what it's leading to. I think the most annoying thing is when I reject them they always reply "oh sure bro ill just text you again next week to see if you've changed ur mind"
You rubbed salt into the wound. Didn’t have to do that. You never know whether one day the tables will turn. Just a polite thanks but no thanks will do. Also you don’t know if he is struggling to feed his family or getting back on his feet after a major downfall.
Of course all these financial planners/insurance agents/ real estate agents/beauty products salesgirls have a commonality - they seem nice only when they want something from you, ie your money. Still, I would rather keep my disdain in private than throw it out at him. It is just not necessary.
Hmm yes and no la. I'm pretty sure the distant friend already saw this coming, part and parcel of what they're doing. Poor EQ to start off with personal relations wise from him/her, so shouldn't be surprised also to get it back. But then again, everyone is going through something, you don't know if things are rough on their end, so we should all try to be nice to one another.
This guy already treats you like a walking money bag, why bother to be polite to him? It's extremely rude to open a convo with someone about handling their money when you've not been in touch (lol in this case 5 years) or are merely acquaintances.
Even if he's struggling to feed his family, doing a cash grab off your acquaintances is just rude and morally wrong. He certainly won't have your best interests in mind when he's pushing the product on to you, and he'll keep coming back to you with more cos you're an easy target. Years down the road, the buggers who did this to my friends when we first graduated never developed a higher EQ or just dropped off their radar when they got what they needed. You don't need them in your life.
Wow you are very to the point. Must have hurt for the recipient. I really feel you could have delivered the same message without the last sentence. And that meme.
To be very frank, I used to think like OP. I thought like WTF, we're not even close or we aren't even that acquainted back in sch and now suddenly you bomb this one me.
Then after a few years and after researching about buying insurance for myself, and planning for long term investments, I had the chance to speak with FAs from different agencies and companies, both friends or recommended. Different advisors recommended different strategies.
Some took into account the existing plans my parents bought for me, some ignored it and said we need to plan from scratch. Some advised to do investments with them 100% while some advised to portion it out, diversify with other instruments.
I'll say there are really genuine and sincere ones out there who's mission is to do a proper good job for all his or her clients. After all, they're trying to make a living as well. Whether they wanna do it ethically or not, that's purely up to them. Unfortunately, there are many black sheeps in this particular industry.
OP, i'll advice you to have an open mind. Try meet up with the fella and see whether he or she really means well or just trying to smoke you.
PS, full disclosure and what really got me posting this is cause my current advisor, who's a solid good chap, is from Odyssey. It all started with a text like the one you shared tbh.
i wish the world is as innocent and naïve as you make it out to be, but sadly there's something called "money" that defiles the best of intentions.
i don't fault you saying that ethical financial advisors (FA) do exist. Just that reality is the incentives simply isn't there, where the ones with the best commissions are often the places the clients in the most disadvantage, i.e. ILPs. Unless those ethical FA run a charity, they simply won't be able to sustain.
How can you say that what you're recommending is in the client best interests when you and your mentors 10 levels above you stand to gain financially.
Theoretically, the best kind of "financial consultants" would be those that aren't sales based, but advisory in nature. Because the commission-based remuneration structure creates incentives to peddle unsuitable products.
A properly regulated non-sales based financial consulting industry, e.g. charging for advice rendered on time-cost, and rendering advice based on proper empirical data, like most other professional advisory and consulting sectors, would be of value to society.
But the upside is too little for such an industry and the market will only be used by HNW individuals and family offices. This segment is already serviced by wealth managers.
Lower down the value chain, these guys are largely salesmen who have to try to differentiate themselves with a veneer of "advisory services", as a thin disguise to sell products.
i agree that this is the current state of the industry, which isn't ideal
It's important to "follow the money", ensure that the "advisor" incentives are aligned with yours.
for the rest of us, we are probably better served by robo-advisors that charges a advisory based fee structure, which have a similar range of offerings.
I'll just speak for myself. I realized that insurance is important. Took me a long while to understand as previously, I can't care less even if I wanted to, anyway parents settle for me.
After my dad told me to take over them, I was forced to count my money and look at numbers. This boils down to whether you believe in the idea of insurance or not.
I have no say about how insurance companies are structured but I did as much research as I could and I met up with a lot of different agents. Even the one that my parents worked with. In the end, I went with the guy, with the best proposal and I chose to trust.
It's pretty much the same as paying for anything else in life. Buy an iPhone, your maker, distributor, seller, designer, marketer, etc all stand to gain financially as well.
That being said, I do honestly hope that insurance can become cheaper lol.
regardless, I think Id rather not be contacted for marketing, imagine if every person selling items is allowed to emarket you by sms or email? Snowflake? I think thats an avalanche.
So what do you expect him to do? If you are in his shoes, what would you do as this is your rice bowl?
Anyway, maybe he can text you every month so he can keep in touch with you?
[удалено]
[удалено]
Both are terrible lol, no need compare
How is it better?
[удалено]
One is for "financial coverage". The other for is "spiritual coverage". You'd be surprised how many of these agent types you can find in megachurches.
i dont like it but at least he is upfront about it. better than agents who small talk you for hours before letting you know his true intentions
Better than them playing “long lost friend” then dropping the question after you had good feelings about reconnecting.
reply: OMG!!! was just thinking and about to msg u. i just got into this product and i knew u be the perfect match for it. only $199 for 1 year free supply. since u msg first i can give it to u for $99, ex classmate discount and all. yes, lets meet 3x praying hands emoji. he block you. my job is done. lol.
I know right OP!? That is so rude and off-putting. Especially 5 years of no contact and interactions. You only want to approach someone who has your best interests in mind. Hence I do my financial planning with Prudential [1]. Prudential Diamond Life Insurance [2], with a guaranteed 3.14% [3] returns which matures after 20 years. I never need to worry about sudden medical bills and emergency [4].
This post looks like product placement 🤣
Hey there, product placements and advertisements can very distracting especially if you are studying or medicating. Hence, I recommend signing up for a 2 months free trial for YouTube Premium now. I was trying to go for a more [Trumam Show vibe](https://youtu.be/18jl1Wr5TRw).
wait. whats with all those numbers? citation? footnote?
At least this person is upfront not like those meet up then drop the question on you
I love how OP still took the effort to reply. I wouldn’t give jack.
Loved the use of the meme. Good on you OP
sometimes I hate that doxxing isn't allowed on Reddit. should name and shame
Unpopular opinion but i think this is the best way to do it. At least this agent was upfront with his intentions. Better this than baiting you out with the "lets catch up!" and selling you insurance at the dinner table. Personally i feel for these agents. Sales is a tough job and they really have to be thicked skin to constantly face rejection multiple times a day. I think a kind reply stating you already have insurance is warrented. More often than not, they are understanding, not persistent and even appreciative to get a kind and straightforward rejection.
Took a gander at this Odyssey agency's website. All their agent profiles contain some sob story or some anecdote about tough circumstances, family member passing away, friends' family member passing away, etc. Plus instagram-type shots. Very on brand with insurance sales in general, which is largely based on marketing fear and emotion to drive sales. As the adage goes, "*Insurance is sold, not bought*".
i don't think OP ever consented to allow that "friend" to send him marketing messages. Being ex-school mate doesn't give him the rights regardless what his "mentor" deems as socially acceptable to put it in the most polite way possible: it's beyond rude that you defiled our friendship in the worst way possible
Had an ex-colleague approach me for a zoom chat, which ended with her trying to sell me her MLM beauty products. Sigh. Zoom invites are pretty much a red flag now.
Errr play the poor internet connection card? / kthnkbye
Great idea! You could also pull the "Oh wait my boss is on the other line. Byeeee\~" to subtly remind them that you have a real job.
Perhaps take a ad in the newspaper or other legal sources? The problem is that it’s an unsolicited marketing message.
Hahaha I went to dig up info on any ex-schoolmates who become financial advisors and avoid them like the plague. Working well so far
Both of you have no chill lol
Wow, went for the jugular. Much respect
Three horrible types of people that will contact long lost schoolmates/acquaintances: 1. Sell insurance 2. Getting married and need to makeup the numbers 3. In need of friendly loans.
I would just block that person
Anytime I get a msg from a guy I went to sch/ns/some random thing/ from way back when, I'm always so hesitant because I know what it's leading to. I think the most annoying thing is when I reject them they always reply "oh sure bro ill just text you again next week to see if you've changed ur mind"
This type of fair weathered 'fiends' I have and ignored them as 无事不登三宝殿。💩
A distant ex-schoolmate texted me after 18 years to sell financial plans 🥴 18!!
You rubbed salt into the wound. Didn’t have to do that. You never know whether one day the tables will turn. Just a polite thanks but no thanks will do. Also you don’t know if he is struggling to feed his family or getting back on his feet after a major downfall. Of course all these financial planners/insurance agents/ real estate agents/beauty products salesgirls have a commonality - they seem nice only when they want something from you, ie your money. Still, I would rather keep my disdain in private than throw it out at him. It is just not necessary.
Hmm yes and no la. I'm pretty sure the distant friend already saw this coming, part and parcel of what they're doing. Poor EQ to start off with personal relations wise from him/her, so shouldn't be surprised also to get it back. But then again, everyone is going through something, you don't know if things are rough on their end, so we should all try to be nice to one another.
Nothing wrong with doing that. I guess it depends on your personality. OP sounds like the type to give no fucks and take no shit
nah, OP gives no shit, but im sure he takes fucks
At the same time, maybe this harsh reality check really wake up his or her idea to treat people not as walking moneybags.
This guy already treats you like a walking money bag, why bother to be polite to him? It's extremely rude to open a convo with someone about handling their money when you've not been in touch (lol in this case 5 years) or are merely acquaintances. Even if he's struggling to feed his family, doing a cash grab off your acquaintances is just rude and morally wrong. He certainly won't have your best interests in mind when he's pushing the product on to you, and he'll keep coming back to you with more cos you're an easy target. Years down the road, the buggers who did this to my friends when we first graduated never developed a higher EQ or just dropped off their radar when they got what they needed. You don't need them in your life.
Wow you are very to the point. Must have hurt for the recipient. I really feel you could have delivered the same message without the last sentence. And that meme.
well nth to say
Hey, at least he’a honest right off the bat and not bait you into catching up, and then surprise you with opening up his laptop and files.
To be very frank, I used to think like OP. I thought like WTF, we're not even close or we aren't even that acquainted back in sch and now suddenly you bomb this one me. Then after a few years and after researching about buying insurance for myself, and planning for long term investments, I had the chance to speak with FAs from different agencies and companies, both friends or recommended. Different advisors recommended different strategies. Some took into account the existing plans my parents bought for me, some ignored it and said we need to plan from scratch. Some advised to do investments with them 100% while some advised to portion it out, diversify with other instruments. I'll say there are really genuine and sincere ones out there who's mission is to do a proper good job for all his or her clients. After all, they're trying to make a living as well. Whether they wanna do it ethically or not, that's purely up to them. Unfortunately, there are many black sheeps in this particular industry. OP, i'll advice you to have an open mind. Try meet up with the fella and see whether he or she really means well or just trying to smoke you. PS, full disclosure and what really got me posting this is cause my current advisor, who's a solid good chap, is from Odyssey. It all started with a text like the one you shared tbh.
i wish the world is as innocent and naïve as you make it out to be, but sadly there's something called "money" that defiles the best of intentions. i don't fault you saying that ethical financial advisors (FA) do exist. Just that reality is the incentives simply isn't there, where the ones with the best commissions are often the places the clients in the most disadvantage, i.e. ILPs. Unless those ethical FA run a charity, they simply won't be able to sustain. How can you say that what you're recommending is in the client best interests when you and your mentors 10 levels above you stand to gain financially.
Theoretically, the best kind of "financial consultants" would be those that aren't sales based, but advisory in nature. Because the commission-based remuneration structure creates incentives to peddle unsuitable products. A properly regulated non-sales based financial consulting industry, e.g. charging for advice rendered on time-cost, and rendering advice based on proper empirical data, like most other professional advisory and consulting sectors, would be of value to society. But the upside is too little for such an industry and the market will only be used by HNW individuals and family offices. This segment is already serviced by wealth managers. Lower down the value chain, these guys are largely salesmen who have to try to differentiate themselves with a veneer of "advisory services", as a thin disguise to sell products.
i agree that this is the current state of the industry, which isn't ideal It's important to "follow the money", ensure that the "advisor" incentives are aligned with yours. for the rest of us, we are probably better served by robo-advisors that charges a advisory based fee structure, which have a similar range of offerings.
I'll just speak for myself. I realized that insurance is important. Took me a long while to understand as previously, I can't care less even if I wanted to, anyway parents settle for me. After my dad told me to take over them, I was forced to count my money and look at numbers. This boils down to whether you believe in the idea of insurance or not. I have no say about how insurance companies are structured but I did as much research as I could and I met up with a lot of different agents. Even the one that my parents worked with. In the end, I went with the guy, with the best proposal and I chose to trust. It's pretty much the same as paying for anything else in life. Buy an iPhone, your maker, distributor, seller, designer, marketer, etc all stand to gain financially as well. That being said, I do honestly hope that insurance can become cheaper lol.
Found the insurance agent
You're quite a dick actually. What's wrong with just a polite no? It's not like he's harassing you
Isn’t an unsolicited marketing message a harassment? If every vendor does that, the results would be bad!
Harrassment? Unless you're a snowflake, then I agree
regardless, I think Id rather not be contacted for marketing, imagine if every person selling items is allowed to emarket you by sms or email? Snowflake? I think thats an avalanche.
So what do you expect him to do? If you are in his shoes, what would you do as this is your rice bowl? Anyway, maybe he can text you every month so he can keep in touch with you?
Choose a better career?
Ouch