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World Financial Group Overview

World Financial Group Overview

If you’re searching into the World Financial Group home business opportunity, don’t join… at least, not before reading through this overview. In this short article overview, I will concentrate on World Financial Group background, the various services they market, their compensation plan and, whether or not WFG is a fraud.

World Financial Group, is based out of Georgia and was started in 1991 by Hubert Humphrey. Before starting WMA, Humphrey was the #1 Producer for A.L. Williams, now known as Primerica. When Art Williams sold the company to Sandy Weill, Humphrey decided to venture out on his own and start his own financial services direct sales company.

Currently, Hubert Humphrey is no longer associated with World Financial Group, which is now owned by AEGON, one of the world’s largest life insurance and pension groups. WFG markets various financial services, including life insurance coverage, investments and mortgage products though the multilevel marketing business model. Some of World Financial Group strategic partners include some big names in the financial services arena: Western Reserve Life, Pacific Life, Allianz, Transamerica, Nationwide, John Hancock, Hartford Life and Investment Advisors International.

At this moment, the company has a sales force of 85,000 life insurance licensed representatives, and is doing business in the United States and Canada. It’s said that the company recruits close to 10,000 new associates every single month, which is pretty amazing for a financial services-based direct sales company.

To sign up the company, there is a start-up price of $100 ($125 in Canada) plus any qualification costs that the state in which you live charges. More or less, it will probably total anywhere between $500-$1,000 for all your licenses, and about 20-40 hours of certification time. Unlike other multi-level marketing businesses that enable you in making money the minute you join, WFG demands it’s reps to get licensed before they can get paid. And, while this might look like a negative point to some individuals, keep in mind that because you’re dealing with financial products, you must be certified. The great news is that you can make some pretty nice commissions, to the tune of $500-$1,000 for one sale, as soon as your able to write business.

Another aspect of World Financial Group’s pay plan is that even though there is a qualification process you and your team have to go through, you only need a few active producers to create big money. In fact, upon reviewing the compensation plan, it pretty impressive that you only need about 15-25 active producers to produce $150,000-$250,000 a year. Now, clearly you will need to recruit much more than 25 people to get 25 producers, especially since only a few will actually get licensed, and of those who actually get licensed, only a few will produce. Even still… building 25 producers, who sell Two or three products monthly, is a lot more do-able than building a team of 15,000 to 20,000 reps.

There are a ton of incentives in the compensation plan including various trips, a Mercedes Benz, a Role, Rings you get for going over $100,000 a year in income and a variety of bonuses you can earn.

With that said, you do have to be aware of all the fees you can incur for building your WFG business. Besides the licensing costs I mentioned earlier, there are costs to do other lines of business, especially if that line of business requires a state license. There’s also E&O Insurance (Malpractice insurance for financial representatives) that will amount to close to $100 per month. You may also get state fees to do business in other states. If you’re serious about building a financial services organization with WFG, then don’t get too caught up with these fees. After all, if you were to begin a traditional financial services firm, you would easily pay much, much more than this.

In summary, WFG is a legit business. It is absolutely not a rip-off. If you put in the effort and time, you can build a strong business that can potentially pay you multiple 6-figures a year. With that said, simply joining WFG does not mean you are guaranteed success.

At the end of the day, your ability to succeed will depend on whether or not you can brand yourself and generate an never-ending flow of leads. It is important, if you are serious, that you receive the coaching you need to help you sponsor 10-20 new people a month into your team.

Without knowing how to produce leads, even though WFG is a great opportunity. However you will be leaving a lot of money on the table if you don’t have an automatic system to generate leads for your WFG Business.

Learn more on how to generate more leads for your WFG Business Here.

Learn more on how to generate more leads for your WFG Business Here.

You Can Find The Original Post On How To Sponsor More World Financial Group Reps And Acquire More Customers Here

Financial Analysis Report On Lafuma S.a. – Company Capsule


Retail’s “Lafuma S.A. – Company Capsule” contains in depth information and data about the company and its operations. The profile contains a company overview, key facts, major products and services, financial ratios, key competitors, financial analysis, key employees as well as company locations and subsidiaries


Retail’s “Lafuma S.A. – Company Capsule” is a crucial resource for industry executives and anyone looking to access key information about “Lafuma S.A.”

Retail’s “Lafuma S.A. – Company Capsule” utilizes a wide range of primary and secondary sources, which are analyzed and presented in a consistent and easily accessible format. Retail strictly follows a standardized research methodology to ensure high levels of data quality and these characteristics guarantee a unique report.


Identifies crucial company information about “Lafuma S.A.” along with major products and services for business intelligence requirements.
Details locations, subsidiaries, affiliates and joint ventures.
Provides analysis on financial ratios.
Identifies key employees to assist with key business decisions.
Provides annual and interim financial ratios.


Enhance your understanding of “Lafuma S.A.”
Increase business/sales activities by understanding customers businesses better.
Recognize potential partnerships and suppliers.
Qualify prospective partners, affiliates or suppliers.
Acquire up-to-date company information and an understanding of the companys financial health.

Key Highlights

Lafuma S.A. (Lafuma) is a sporting goods and leisure items and equipment manufacturer, marketer and retailer based in France. The company’s brands include Lafuma, Eider, Ober, Millet, le Chameau and Oxbow. It provides general outdoor garments, backpacks, footwear and camping equipment under Lafuma brand. The company provides clothing for mountaineering, skiing, mountain climbing, backpacks, footwear and ropes under Millet brand. It provides clothing and boots for sports such as horse riding, hunting and fishing and gardening under Le Chameau brand. The company provides clothes for skiing, surfing and skating, sandals and travel bags under Oxbow brand. Lafuma through its subsidiaries operates in France, China, Hungary, Belgium, the US, the Netherlands, Italy, Germany and Japan. The company was founded in the year 1930. Lafuma is headquartered in Anneyron, France.

Table of Contents

1 Business Analysis
1.1 Company Overview
1.2 Major Products and Services
2 Analysis of Key Performance Indicators
2.1 Five Year Snapshot: Overview of Financial and Operational Performance Indicators
2.2 Key Financial Performance Indicators
2.2.1 Revenue and Operating Profit
2.2.2 Asset and Liabilities
2.2.3 Net Debt vs. Gearing Ratio
2.2.4 Operational Efficiency
2.2.5 Solvency
2.2.6 Valuation
2.3 Key Competitors
3 Key Employees
4 Locations and Subsidiaries
4.1 Head Office
4.2 Other Locations and Subsidiaries
5 Appendix
5.1 Methodology
5.2 Ratio Definitions
5.3 Disclaimer

List of Tables

Table 1: Major Products and Services
Table 2: Key Ratios – Annual
Table 3: Key Ratios – Interim
Table 4: Key Capital Market Indicators
Table 5: Key Employees
Table 6: Subsidiaries

List of Figures

Figure 1: Revenue and Operating Profit
Figure 2: Financial Position
Figure 3: Net Debt vs. Gearing Ratio
Figure 4: Operational Efficiency
Figure 5: Solvency
Figure 6: Valuation

For more information visit :


Contact us at

Company Profiles And Conferences
Phone: +91.22.27810772, 27810773
Fax: +91 22 27810778
Email : [emailprotected]
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Innovative Financial Advisors Pvt. Ltd. The Economics Of Waste

Taking a leaf out of Shakespeare one can say To Recycle or Not to Recycle is a dilemma that is often faced by people. The confusion is at every stage of recycle starting from what should be labeled, which bin the material needs to be put in and what the municipal administration accepts. All these processes actually determines which product is to be recycled.

Innovative Financial Advisors Pvt. Ltd. understands all these issues are common as consumers are not able to understand while dealing with wastes such as plastics, as to what makes the material recyclable? This common problem persists across the globe. People need to realize that when it comes to nature nothing goes to waste. Any waste that is generated is a resource that can be used by other organisms. The nature cycle is in loop system where a waste of one organism becomes food or resource for other organisms.

Today, it is believed that majority of the things are recyclable or it has the potential to be recycled. It is important for an emerging economy such as India to think on sustainable lines and promote start-ups in waste management sector. These enterprises can develop recycle processes for many different waste streams which were previously thought to be non-recyclable. Some of the materials than can be targeted are cigarette butts, plastic pouches, chip bags, diapers etc. All these can be recycled into useful products such as industrial plastic lumber etc. Therefore, it is important to look into all the waste that we once considered non-recyclable.

One major factor that creates hurdle in the recycle process is the economic barrier that restricts recyclability of materials. Innovative Financial Advisors Pvt. Ltd. understands that in order to recycle a material, it is important that collection of waste happens in bulk. After collection, the wastes need to be separated, which gets difficult as wastes might be multi-layered or might have container made of plastics. The material gets recycled only once the entire process has taken place. Moreover, such a process has cost attached to it and when a recycled material is worth more than the cost involved in recycle, then only is it considered feasible and can be sold in open market. If the process costs more than the value of the recycled material, it doesnt make any sense to recycle. With other factors such as infrastructure and technological advancements creating bottlenecks, more often than not it is economics and not science that determines what is to be recycled.

Therefore, in order to ensure that the recycle process is feasible, the following suggestions can be adopted:

Commencing the waste management from the manufacturing stages of products

Establishing recycle centres and other adequate infrastructure at district level nearby the collection points reducing transportation costs

Creating awareness about waste management among local communities

Improved collaboration among various stakeholders in the waste management value chain

Incorporating advanced technology in the waste management processes

Promoting recycled products among local communities

Incentivizing waste management to promote startups and encourage involvement of large organizations

These initiatives can ensure the cost of recycle products gets reduced and recycled products are consumed more.

By Rahul Choudhury
Media Team Innovative Financial Advisors Pvt. Ltd.

Stg Finance International Student Advisors (isa 4u Ltd)

As part of the ISA Group Service, we engaged STG Finance Ltd. In the UK to jointly provide loan funding for our students with major financial institutions in the Philippines.

STG Finance: International Student Advisors (ISA 4U Ltd): The agreements made between STG and HSBC, Nippon Finance, Emjen Finance and AG Finance means the Filipino students can take advantage of hassle free loans to help with both tuition fees and living costs in the UK.

The rates and term of the loans varies depending on the type of course the student is enrolled on but the flexibility of our facilities allows for the repayments to be made directly in the UK through the deduction of the monthly repayments from your work-placement organisation who are aware of the need for some students to arrange funds to cover their tuition and living cost whilst in the UK.

STG Finance: International Student Advisors (ISA 4U Ltd): In addition, STG Finance also arranges for the students UK bank account to be opened upon arrival in the UK, the student, having already completed all the requirements needed to open a bank account once they have received their visa and are due to leave for the UK to start their course.

The vast majority of work-placement organisations will only pay remuneration directly into a students bank account and it is therefore very important that students going to the UK are not only aware of this factor but they have already taken steps to ensure that they have a bank account in the UK that can be activated upon arrival. This is simply done by visiting the nearest Lloyds Bank branch and producing the students passport for the verification that they are in the UK and the account is then immediately activated.

STG Finance: International Student Advisors (ISA 4U Ltd): Without this type of feature many students have found that it is taken up to 8 weeks to open a UK bank account due to the documentation that they have to submit to the bank to open their account.

STG Finance has been helping Filipinos for more than 5 years with loans and bank accounts and this has proved to be an invaluable service to all Filipinos whether workers, students, or dependants going to the UK.

Best Indian Astrologer Hemant Sharma Ji’s Predictions Virgo (kanya) Lagna

The Sun-The Sun is the lord of 12th house. If strong, conjunct or aspected by benefics gives very good results, e.g. finance, estates, health, and fane. A weak and afflicted Sun in his dasa bhukti causes eye trouble, much expenses and penalties from government.

The Moon-The Moon is the lord of 11th house. A strong Moon is very auspicious for wealth, but is bad for health in her dasa-bhukti.

Mars-As lord of 3rd and 8th evil houses, Mars causes much poverty and trouble in its dasa-bhukti to the native of Virgo ascendant. A strong Mars is though good for longevity yet bad for finance and vice-versa. For Virgo an ascendant Mars in 10th house is not strong as is in 3rd from Aries and 8th from Scorpio and conclusively causes loss of life or longevity, but not bad for finance. But for finance it should not be well aspected.

Mercury-Mercury is lord of lagna and 10th house. A Neutral as lord of 10th but to be auspicious as lord of lagna (a quadrant and trine) should be strong.

Jupiter-Jupiter is lord of two quadrants and according to Maharisi Parasara is very much spoilt because loses its auspiciousness completely. Such a Jupiter if weak and placed in 2nd, 6th or 12th gives health troubles and trouble from rulers etc. If Jupiter is placed in a quadrant in own house, it is good for estates, wealth, religious nature and prosperity.

Venus-Venus is the lord of 2nd and 9th houses and gives results as lord of 9th house. In its dasa-bhukti gives wealth, progress, comfort and power etc. A weak Venus is bad for these still gives some wealth.

Saturn-Saturn is lord of 5th and 6th houses. 5th is as much good as 6th is bad, but as the Moola-trikona sign of Saturn falls in 6th, therefore a little evil. This is the reason for which Maharisi Parasara does not consider Saturn to be good for Virgo Lagna.

Good Yogas for Virgo Lagna-
(1)Mercury + Venus.

(2)Mercury + Saturn,(with some defect).

Yogas with No Good-
(1)Jupiter + Venus.

(2)Jupiter + Saturn (both spoil).

The above mention details are given by World Famous Astrologer Hemant Sharma ji for the Predictions Virgo Lagna. He is having thousands of clients and devotees worldwide who take his consultancy.

You can contact on +91 9936111075 INDIA for free astrology, online free consultancy
Add Astrologer Hemant Sharma ji [emailprotected]

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