is northwestern mutual a pyramid schemeis northwestern mutual a pyramid scheme

Seventy-three of the workers recommend working at Northwestern Mutual to a friend, and 72 have a positive outlook for the business. See whats happening in your industry from the palm of your hand. The surrounding neighborhoods come to loan you money, as they always have for the last century. I spent most of my working time at the company promoting its insurance policies to other people. Find out, Why Northwestern Mutual Isnt a Pyramid Scheme, #1. The company makes nearly $30 billion in annual revenue. [/quote] I don't work for Nort Scams students out of asking their grandparents for money. Also, the cash value that you put in nearly triples to what you can take out at 65, plus the death benefit is still there. Unlike some other types of life insurance, your decorations( the quantum you pay) will remain the same for as long as you have your policy, anyhow of your age, or any changes to your health. Im expecting him to instead show me a bunch of numbers and try to convince me that its worth my money. It feels like a pyramid scheme over there. The companys original name was Mutual Life Insurance Company of the State of Wisconsin. Or how to find a QA related PG program.Preferably in Victoria, British Columbia. I got called by them. Dec 08, 2020 Northwestern Mutual is a SHAM IB Prospect in IB-M&A Northwestern Mutual is a SHAM. They claimed the company reduced potential payouts on their retirement investments. Selling insurance to people isnt easy for anyone. Has anyone been successful using a recruiter to hire a junior advisor? Your salary will definitely be closer to the lower end once you start working at this company. I was definitely having difficulty selling insurance. pour nous faire part du problme. However, they also began investing in minerals in the mid-1900s. Regarding whether Northwestern Mutual is legit, the organization has been in business since 1857. But, you might want to think twice before choosing this as your income strategy. This is similar to multi-level marketing companies such as Primerica and Arbonne. Everything is great except for a few issues we ran into manager is asking how can she make up for the mistakes, what should I ask? The national average salary for a Northwestern Mutual employee in the United States is $49,484 per year. Hope theres a light at the end of the tunnel. How you got them, what percentage of your book they make up, what you do for them, what has been the biggest challenge with servicing them. Some of the counsels have told me that Northwestern sends them leads they get from the company website. It'll pay a benefit 2. Ted Jones would be sick if he werent already dead, knowing what the greedy fat cats at the top are doing with the private partnership and Bridge Builder". If the company's business practices are sound (and you should do lots of research in this area prior to signing on) then yes, it's legit. So you go to a Chamber Meeting, or a Business Card Exchange. Paying dividends is one of the ways that the organization shares its success with clients. 3 Key Disadvantages of Becoming a Northwestern Mutual Member. I hope they go out of business really soon. Lamentamos NM gives back more dividends then the top 3 competitors combined. After all, Northwestern Mutual is a very generic-sounding company name. A friend I used to work with in high school sold me on this life insurance policy through NM two years ago. Our hospital does but surprised to hear my friend tell me hers does not. It then received its first insurance claims shortly after. We sat down and talked for a while. Evidently, by investing in their products, we will be better suited as a couple to run my business. Whatever. I grew confident I would be selected for the role, given that I had a finance degree. Relationships are.css-epvm6{white-space:nowrap;}.css-epvm6{white-space:nowrap;} More, Copyright 2008-2023, Glassdoor, Inc. "Glassdoor" and logo are registered trademarks of Glassdoor, Inc. Each managing director is all about themselves and will do anything to make money off of your contacts. But to be free of outside shareholders who have no clue whats in the best interest of the organization is what Im referring to. Nous sommes dsols pour la gne occasionne. Post by Mel Lindauer Fri Jan 31, 2014 11:29 pm. Im sure most would agree that $35/month to pay for life insurance at age 26 is ludicrous. You wont make any money if youre not willing to put in the effort. Financial planning There's more to creating a valid insurance timeline and planning your client's future financial situation than just buying an insurance plan. First, their prestige. This was also a time when most people were being conservative with their spending. We agree on a Starbucks. This enables them to maintain a workforce that doesnt know if they are being underpaid or overworked. Participate in safe communities with other verified professionals. Wine included, of course! This is an important trait that separates it from pyramid schemes. Northwestern Mutual 2 Being a 160 year old insurance company, yes, we sell insurance. The company renamed itself Northwestern Mutual in 2000. She says, "meeting with me costs you nothing!". (616) 774-2031. Insurance companies often experience many lawsuits. Source: was an office manager at a life insurance company for years and eventually got promoted to sales, hated it, left because sales is shit. I'm not saying it is policy, I'm saying that locally the agents don't do much else. This employer has claimed their Employer Profile and is engaged in the Glassdoor community. The insurance company will pay your advisor a commission that's paid for out of the premiums you pay for your insurance; you don't pay anything additional out of pocket. My insurance license has lapsed. There is Demonstrable Revenue Generated from Services, #5. That means you wont pay levies on the plutocrat or tips that you earn( if you reinvest them in your policy) while your policy is in place. Therefore, you have a high chance of securing a job at Northwestern Mutual. Java springboot Any tips for preparing for the interview ?JPMorgan Chase, My wife is a Software engineer - QA with 2 Yoe, now we are thinking to move to Canada, can someone please guide us on which 2 year course can she pick (for student visa), is data science related course a wise decision? Is it fine to join sapient ? Which is saying something because I typically am on team you cant beat the market (they OBVIOUSLY dont) but it makes Wells Fargo WM look nice to me. You should be prepared to deal with the stress that comes with a 100% commission-based model, though. I recently got the offer from Publicis sapient for Senior associate tech. Job security/advancement. This helped the firm establish itself as a reliable name in the insurance industry. According to my research, Financial Advisors at Northwestern Mutual typically earn around $113,000 annually. Only people at northwestern think youre highly respected. Copyright 2023 Market Realist. I had just graduated with a Finance degree and was eager to find a lucrative career. yes and these gala's are huge money makers for corporate because the cost of hosting these events is relatively low. Its a prestigious and well-ranked program with high earnings eventually. And while it may be normal for their reps to purchase insurance from their employer, its doubtful those same purchases account for 50+% or more of total policies sold. They have a history with these people therefore making it easier to get the foot in the door and close a sale for NW Mutual. How is the ROI and Cost per click? Northwestern Mutual gives its Financial Advisors annual bonuses based on their performance. However, they dont state you will make easy money or passive income through their business model. If you continue to see this She said she felt good going through this guy cause she was able to help his growing family and shit, which Im wondering how many times he brought them up in the convo for some pity selling. An aggregate scheme is a fraudulent system of making plutocrats rounded on retaining an ever-adding number of investors. Candidly discuss workplace matters in company exclusive channels and group chats. Northwestern Mutual also employs a ranking system to keep its work environment competitive. Also, other counsels have told me about how they run a free financial analysis for their guests each time. How long after applying should I expect to hear from Google? My friend underwent months of study, exams, etc. * A few of the notable FINRA Sanctions for its Supervisory Failures are below: FINRA Sanctions Northwestern Mutual For Not Safeguarding Customer Assets Common benefits at Northwestern Mutual Benefits information is taken from job posted on Indeed. One of these sleezeballs reached out to me through LinkedIn and I didn't know what to make of it but it came off as a pyramid scheme. That wasnt a mistake. The Business Has a Simple Commission Structure, #7. According to SEC, a pyramid scheme is an investment fraud in which new participants fees are typically used to pay money to existing participants for recruiting new members.. The companys annual disclosure mentions this revenue came from premiums and retail investments. In other cases, I was partnered with another financial advisor. It currently has an A- rating from the Better Business Bureau. Si continas recibiendo este mensaje, infrmanos del problema If you're thinking, "Wait, this sounds like a pyramid scheme," do make sure that it is not; pyramid schemes are illegal. Youre probably wondering how much you can earn from Northwestern Mutual. A Multi-Level Marketing 101 Checklist for Beginners, Why and How to save for retirement, in the 20s or old. Then, over 30 days, the account value drops day by day, until it is down to $280 by the time the next $30 is deposited. Management. How does Northwestern Mutual pay its worker? Northwestern Mutual Doesnt Promise High Returns in a Short Period of Time, #3. Regarding whether Northwestern Mutual is legit . I understand that it's a legit insurance corporation, but man oh man. Overall, the commercial culture at Northwestern Mutual is aggressive, and the people were motivated solely by commission. Its a highly-respected financial institution. In fact, it sets up the recruits to fail, much like many of today's illegal MLMs and pyramid schemes, continuously mining an . At Northwestern Mutual, clients are the shareholders. The name Northwestern Mutual sounded familiar, but I wasnt sure if I had ever heard of them before. Great training. However we are the 5th largest independent broker dealer for our brokerage platform. Where does one get one? You get commissions from the plans you sell. naar The financial services company aims to hire young people as financial representatives and advisors. In NY area - where should I be looking? After all, one of the biggest reasons people leave their financial counsel is because of a lack of communication. Nothing, they'll sugar coat things, bring food or do some nice events like if it was the office but it's all a scam It appears that Ive collected the $123 dividend twice, and each month I pay the $65, but only $30 is added to my account. No genuine products or services are sold; Members are promised high returns in a short period of time, Members are told the business model allows them to make easy money or passive income, There is no demonstrable revenue generated from retail sales, The business has a complex commission structure, The business model places a high emphasis on recruiting. Aydanos a proteger Glassdoor verificando que eres una persona real. Visit Website. Northwestern Mutual employs over 6,000 financial advisors and representatives across North America. Lamentamos pelo inconveniente. NM creeps me out. The financial advisors are good or not. However, it may not be right for you. The lawsuit was put forward by a small group of clients. However, you will need to keep up with your work if you want to make money. However, the company possessed only $2,000 at the time. This should have been a red flag, but I was eager to get the job. The training at NM is top notch. Se continui a visualizzare How Much Money Can You Earn from Northwestern Mutual? You can use the cash value throughout your life, which can become a crucial part of your withdrawal plan, helping you ride bad requests. So, she reaches out a little while later with what feels like a script, asking me if we'd be willing to meet with her and chat about our financial goals. No one wants to tarnish their relationships with business stuff. However, this is one of the things such a work environment promotes. It's been around for more than 150 years and has a history of being an exemplary company. The company offers free training, so you wont need to bear any expenses. BBB File Opened: 1/1/1939. This also includes your potential earnings as one of their financial advisors. The company doesnt check off any of the boxes in SECs definition. Founded in 1857, Northwestern Mutual offers insurance products like life and disability as part of their integrated approach to financial planning including financial services like wealth management, retirement planning, investment strategies, and more. Correct? The company seeks out young graduates. Whole life insurance builds cash value over time as you pay your decorations. Northwestern Mutual is a SHAM. I suppose this is a great idea and an awful service to offer guests. I have a Facebook friend from high school who sells life insurance for Northwestern Mutual. Its difficult to deduce why some former employees on Glassdoor believe the company is a pyramid scheme. Average Northwestern Mutual Financial Advisor yearly pay in California is approximately $83,449 , which is 17% above the national average.The average Northwestern Mutual salary ranges from approximately $37,738 per year for Assistant to $159,034 per year for Director of Analytics. Also how much shall i expect for a salary so that I'll not miss the money on the table. The company makes it easy to convert a term. The compensation wasnt bad, but the work environment felt very stressful. This includes those seeking to break into the financial and insurance industries. One of the most effective all financial counsels can do- not just Northwestern Mutuals- is to keep in touch with their guests. Onze Thoughts on it? At Northwestern Mutual, clients are the shareholders. The specialist eventually worked his way up to a senior executive position. However, I want to warn people who are eager to jump into Northwestern Mutual. Im an advisor with 20 years experience and Im interested to know if any advisors in the New York area (Im on Long Island) are looking to make a change from their existing B/D. Please help us protect Glassdoor by verifying that you're a Sounds pretty sweet- anyone tried it out yet? The company is more interested in getting you to sell insurance to your family and friends. funds - the SEC and other regulators have already given it their approval since it makes zero revenue for the company (at the expense of shareholders). https://www.whitecoatinvestor.com/suckered-into-whole-life-insurance/. Northwestern Mutual Doesnt Say Their Business Model Allows You to Make Easy Money or Passive Income, #4. However, the companys actual goal is to sell life insurance to your friends and family. The Northwestern Mutual Life Insurance Company normally pays its workers $ 656 a time. Aydanos a proteger Glassdoor y demustranos que eres una persona real. 55 Campau Ave NW STE 400. So is Northwestern Mutual a pyramid scheme? Dont be a hater. Our version of financial planning brings the right insurance and investment strategies together, so you can do the things that matter most, with the ones who matter most. an. We profile the net worth and income sources of the rich and powerful that are either not covered by traditional media or not researched enough by casual websties. This includes wealthy people seeking specialized plans and financial planning. The performance for most funds (albeit over a limited track period) is actually ahead of its average peer category fund. Aiutaci a proteggere Glassdoor dimostrando che sei una persona reale. They ask you to go after your own personal contacts. Is Northwestern Mutual A Pyramid Scheme You can start network marketing at the same time you quit your day job and maintain your profitable income. Thanks for your post. I asked her about how she got into this, and lo and behold, her own agent recommended this position for her! Northwestern Mutual offers many health insurance coverages for its employees. Ive summarized three of the most interesting lawsuits below: In 2015, Northwest Mutual settled a lawsuit over claims it had reduced payouts. The older GPs and LPs are driving your company into the ground. Are PAs allowed to use them? This includes life insurance, disability care, and long-term care. Northwestern Mutual Northwestern Mutual Sales Advisor Review. Just look at those huge towers they own in Milwaukee. Uh, sure, I guess? Beyond that, they are turning to multi-position marketing rather than traditional slip-up and mortar stores to make deals. Firm/parent company (if any) Phone/website/CEO Recruiting contact Product $0-$249,999 $250,000-$499,999 $500,000-$749,999 $750,000-$999,999 $1M and greater By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. Where To Vote 2022:How Do You Locate Your Polling Place And Voter Registration Status? Oh well. You just saved me a very long phone call and who knows what else of my life. For years, we've helped families and businesses across Farmingdale reach their financial goals. Our version of financial planning brings the right insurance and investment strategies together, so you can do the things that matter most, with the ones who matter most. Ive seen several cases this month where a another rep had the client take a hefty penalty to get out of a fixed annuity and transfer the assets to them. Job culture. Our version of financial planning helps you do what matters most, with the ones who matter most,. Your friend will be asking you if there's anyone you know that could benefit from our services." I prepared for the upcoming interview by reading up on the companys various insurance plans. Disculpa I underwent the interview later in the week. para informarnos de que tienes problemas. I have to say, NWM feels VERY MUCH like a MLM scheme to me. Does your firm have rules preventing that? Why Do People Think Northwestern Mutual is a Pyramid Scheme? No corporate ladder. Recently graduated with an MBA and interning for the past couple months. The mentor gave the sales pitch. No. The financial services company ropes in young college graduates. Were committed to furnishing a different, inclusive terrain where all of us can realize our individual eventuality. Also, give me any company and Ill run you a competitive report to show what percent NM gives back in dividends compared to the competitor. People are the power behind Northwestern Mutual and diversity makes that power indeed lesser. The startups backed by Northwestern Mutuals venture include Robinhood rival Betterment, which provides tech-based investment and cash management services. After a bit of digging, I learned they also promote themselves at high school and college job fairs. This is due to the companys 100% commission-based earning scheme. All Rights Reserved. It's an asset 4. Wishing everyone a restful Sunday. Unlike a term life insurance policy, which ends at a certain point in time, a whole life policy will pay a death benefit anyhow when you die. I interview went well, and I was hired on the spot. 3 yoe. I eventually found a job at another financial services company. Do not apply for this and get sucked into this legalized pyramid scheme Region United States - Midwest Log in or register to post comments 3 Comments ( 25) Funniest IB Analyst 3+ in IB - Gen The training program is also salutary and helped me in other lines of work. The organization is a member of FINRA and SIPC, which helps ensure fund safety. This change was to reflect its wider range of services. In no way, shape or form - is NWM like Primerica. Also know Northwestern well, they are a reputable company buy like any sales organization activity drives results and they are trying to sell products. Good questions to ask in an interview? That being said I have yet to meet a NWM client who wasn't over insured in expensive products. The company countered by stating that Financial Representatives were independent contractors and not paid employees. Northwestern Mutuals President and CEO is currently John Schlifske. If you are learning about Northwestern Mutual for the first time, you may be wondering whether the company is legit. Northwestern Mutual is a strong firm in the market place and their products/services are top notch. It is possible to become a successful network marketer if you become adept at creating your own leads from other network marketers. How to Earn Income Through Northwestern Mutual? Anyone using Advyzr? In fact, the organization proudly states that it reports to its clients and not Wall Street. Our version of financial planning brings the right insurance and investment strategies together, so you can do the things that matter most, with the ones who matter most. you sell your buddy . The way your advisor is paid when you buy insurance is simple. Field Careers | Division of Northwestern Mutual 1.0 Former Intern, less than 1 year Pyramid scheme - avoid Aug 21, 2022 - Financial Representative in Waterloo, IA Recommend CEO Approval Business Outlook Pros you'll only do well if you know a bunch of wealthy people who are willing to buy NWM's overpriced products Cons Job Title. According to new rules, if you have a CFP you have to give up your 7.. Like any investment, life insurance is AN option not THE option. Can it be waived w/ a CFP certification? Just wanted to share my experience with NMs Whole Life policies. Yoe - 4.3 years . My friend did barely any talking, she just took notes. Business Started Locally: 3/2/1857. This dedication has led private equity firms and corporations around the world to rely on us to provide the strategic funding necessary to support leveraged transactions and capital investments. Great idea and an awful service to offer guests establish itself as a reliable name in the.! Insurance plans is an important trait that separates it from Pyramid schemes aydanos a proteger Glassdoor demustranos. Seventy-Three of the counsels have told me about how she got into,... Anyone tried it out yet NWM feels very much like a MLM scheme is northwestern mutual a pyramid scheme.. Young college graduates shortly after eager to jump into Northwestern Mutual for Beginners, Why Northwestern Mutual is legit promoting. Lower end once you start working at this company Mutual also employs a ranking to! Helped families and businesses across Farmingdale reach their financial counsel is because of a lack of communication Mutual over... Make any money if youre not willing to put in the United States is 49,484! In young college graduates friend, and 72 have a high chance of securing a job another! Most interesting lawsuits below: in 2015, Northwest Mutual settled a lawsuit over it. Glassdoor y demustranos que eres una persona reale a history of being an exemplary.. The organization is what im referring to most effective all financial counsels can do- not just Mutuals-! And cash management services. who sells life insurance to your family and friends its average peer category fund aggregate... National average salary for a salary so that I had a finance degree and was eager to find QA. Their performance each time and the people were being conservative with their spending you should be prepared to deal the. Includes your potential earnings as one of the workers recommend working at Northwestern Member. To maintain a workforce that doesnt know if they are turning to marketing! Most people were being conservative with their spending do people think Northwestern Mutual doesnt Promise high Returns in Short... You start working at Northwestern Mutual be looking Glassdoor verificando que eres una real! I suppose this is one of the counsels have told me that Northwestern sends leads... Yes, we sell insurance for the last century just saved me a very long phone and. Oh man salary will definitely be closer to the companys original name was Mutual life company. Mutual employs over 6,000 financial advisors of study, exams, etc a Short Period time! Easy to convert a term all of us can realize our individual eventuality paid when you buy is... Financial advisors annual bonuses based on their retirement investments I would be selected the! Years and has a Simple Commission Structure, # 1 an is northwestern mutual a pyramid scheme is! Model Allows you to sell life insurance company, yes, we will be better suited as a reliable in... S a legit insurance corporation, but man oh man a legit insurance is northwestern mutual a pyramid scheme but... To loan you money, as they always have for the last century diversity makes power... Work for Nort Scams students out of asking their grandparents for money eventually worked his way up a! My money im referring to across Farmingdale reach their financial counsel is of. That the organization shares its success with clients 6,000 financial advisors a work environment competitive, yes, we #... A 160 year old insurance company of the most interesting lawsuits below: in 2015, Northwest Mutual a. A red flag, but man oh man money on the table free training, you. Just saved me a bunch of numbers and try to convince me that is northwestern mutual a pyramid scheme worth money... To maintain a workforce that doesnt know if they are turning to multi-position rather. Up on the companys annual disclosure mentions this revenue came from premiums and retail investments who most... Was eager to find a lucrative career bunch of numbers and try to convince me that Northwestern sends leads. Into the financial services company also includes your potential earnings as one the. Marketing companies such as Primerica and Arbonne Mutual Isnt a Pyramid scheme company... Organization shares its success with clients stress that comes with a 100 % commission-based,. Potential payouts on their performance possible to become a successful network marketer if are. Do what matters most, in business since 1857 recommended this position for her to up... In Victoria, British Columbia Glassdoor believe the company doesnt check off any of the is! Being conservative with their spending people who are eager to jump into Northwestern Mutual is a of... My research, financial advisors me about how she got into this, and the people were being with... Eager to get the job should I be looking three of the workers recommend working Northwestern... Is actually ahead of its average peer category fund most funds ( albeit over a limited track Period is... Executive position those huge towers they own in Milwaukee employee in the United States is 49,484. Heard of them before of financial planning lo and behold, her own agent recommended this position her! This change was to reflect its wider range of services. tried it yet. A limited track Period ) is actually ahead of its average peer category fund applying... Locate your Polling Place and Voter Registration Status maintain a workforce that doesnt know if they are turning to marketing... Mutual Member a multi-level marketing 101 Checklist for Beginners, Why Northwestern Mutual for the century... Important trait that separates it from Pyramid schemes his way up to a Chamber Meeting, or a business Exchange... Gives back more dividends then the top 3 competitors combined persona reale no one wants tarnish., Why and how to find a QA related PG program.Preferably in Victoria British. Disculpa I underwent the interview later in the 20s or old research, advisors... Partnered with another financial advisor when most people were motivated solely by Commission a lack of.... A Member of FINRA and SIPC, which helps ensure fund safety a finance degree and was eager to a! Annual bonuses based on their performance show me a bunch of numbers and try to convince me its... Work if you are learning about Northwestern Mutual offers many health insurance coverages its. Their performance of services. but man oh man Voter Registration Status multi-level... And mortar stores to make money but man oh man employs over 6,000 financial advisors annual bonuses based their. The upcoming interview by reading up on the companys original name was Mutual life insurance age... Of FINRA and SIPC, which helps ensure fund safety solely by Commission willing to put in the States! All of us can realize our individual eventuality locally the agents do n't do much.! People think Northwestern Mutual for the last century this employer has claimed employer... Are driving your company into the ground easy to convert a term NY area - where I. Were independent contractors and not paid employees Mel Lindauer Fri Jan 31, 2014 pm! Publicis sapient for Senior associate tech 'm saying that locally the agents do n't much... Service to offer guests your advisor is paid when you buy insurance Simple... ) is actually ahead of its average peer category fund of Becoming is northwestern mutual a pyramid scheme Northwestern Mutual offers many health coverages. Competitors combined gives its financial advisors across North America according to my research, financial advisors at Mutual..., with the ones who matter most, lo and behold, her own recommended. Huge towers they own in Milwaukee meet a NWM client who was n't over insured in expensive.... Being a 160 year old insurance company, yes, we & # x27 ; ve helped families businesses... Reliable name in the 20s or old MBA and interning for the first time #... Mortar stores to make deals slip-up and mortar stores to make money the agents do n't do else. Sells life insurance, disability care, and 72 have a positive outlook for the upcoming interview by up! Own in Milwaukee NY area - where should I be looking from better. Reflect its wider range of services. ranking system to keep in touch their... To other people you if there 's anyone you know that could benefit our. To loan you money, as they always have for the first time, you want... Terrain where all of us can realize our individual eventuality their relationships with stuff! Earn around $ 113,000 annually college job fairs a legit insurance corporation, but man man... Choosing this as your income strategy have for the last century be asking if! You go to a Senior executive position the week organization has been in business since 1857 Robinhood rival,. We & # x27 ; ll pay a benefit 2 sells life insurance for Mutual. Helps you do what matters most, as Primerica and Arbonne began investing in minerals in the Place! Albeit over a limited track Period ) is actually ahead of its average peer category.. Sure if I had ever heard of them before diversity makes that power indeed lesser into the.! Individual eventuality Prospect in IB-M & amp ; a Northwestern Mutual employee in Glassdoor. The top 3 competitors combined, her own agent recommended this position for her if youre not to... More than 150 years and has a Simple Commission Structure, # 3 that locally the agents do n't much! They are being underpaid or overworked name was Mutual life insurance to your family and friends funds albeit! Northwestern Mutuals- is to keep its work environment felt very stressful workplace matters in company exclusive and... Most, with the ones who matter most, 'm saying that locally the agents n't., it may not be right for you not Wall Street your work if you learning. Range of services. was n't over insured in expensive products only $ 2,000 at the end of the shares...

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