save money then make money

Yup - the classic MLM pyramid commission system, as per Amway, Kleeneze etc.

Nothing wrong with it in principle, as long as they don't try to con the gullible into believing they can get rich by virtue of the pyramid commission system (this would be illegal).

I'd wager you'd have to send them a lot of business before you get your 55 back (since most of the commission is passed up the tree).

They don't charge for seminars do they?

Dear Andy as an example i recently took out life insurance through TA

and not only did they save me 5 a month i also recieved 40 cashback Obvously you will get alot more for something like this or a mortgag than you would for a car insurance or something that is cheaper. So i a year i would pay of my 55 with just some of the business i transac through TAG as i will use it for car insurance, van insurance, publi liability insurance, mortgage every time my fixed rate runs out and m accounts. You can join TAG as a standard member and get cashback on all your ow business you do through them which is completely free so if you don want to introduce others you dont have to.

Also to answer your question business members can access as many onlin seminars as they wish for free and standard members have access to 3 pe annum for free

Thanks for taking the time to find out more and if you have any furthe questions please feel free to ask

Kind Regards David Baird snipped-for-privacy@aol.co

Are they always the best deal then?

OK - sounds better than most MLM schemes. But if you start hearing bullshit phrases like "financial freedom" in their seminars, get out quick!

A couple of articles on MLM:

All financial and mortgage advisors that TAG use are independent an

whole of market so they always ensure they find the best price the possibly can for the customer. For motor insurance they use nationa brokers like Endsleigh, Hastings Direct and Direct choice. Also as Ta is a new company they are always looking for new advisors so if yo have a independent advisor you always use you could recommend them t TAG and ask for them every time you want something. TAG screen all thier advisors to ensure they give the customer th highest standard of service possible by asking the customer to rat thier service out of 10 every time they use a TAG third party advisor. The online presentation are to inform potencial or current members o how TAG works and how they can benefit wheather it be by being standard or business member so they know what will work best for the either way it makes complete sense to join TAG as a standard becaus its free, could save you money, and gives you a share of the commisio every time you use it unlike other companies who will keep all th commision for themselfs, As a business member if you think you kno alot of people who will use it. The online seminars are specialists guest speekers who come in an educate TAG members on services they may not know exist. At the moment the website is still the micro site and is being update all the time soon you will be able to see how much money you have i your E-safe and how many people are in your TAG TEAM at the touch of button. There is still very little people who know about this site and i predicted to hit critical mass in about 8 months so if you ar intrested on being a business member now is the time to do it. One of the ways i am trying to get new people is by introducing ca salesman who can introduce TAG to thier customers, they can also use i as an incentive scheme for thier sales assistants by introducing the and even by introducing other car salesman they might know to do th same.

Thank you for taking the time to finding out more kind regards David Bair

The "whole of the market" including "direct" insurers who don't pay commission to middlemen?

I've had quotes from brokers in the past who claim to cover the "whole" market, and have got insurance 200 cheaper by searching myself!

They *use* brokers? So they aren't a broker themselves? So the broker presumably gives them a cut of the commission they themselves get off the insurer. I really can't believe this commission on commission amounts to anything significant *if* they are genuinely giving you the cheapest price you could find by going direct. And then most of the commission you get gets passed up the tree!

Even if it's cheaper elsewhere?

I'm interested in how these MLM companies describe the benefits to participants of their pyramid commission system. After all, how can they justify most of the commission a participant gets on a sale being passed up the tree? Unless it's by conning them in to thinking they are likely to *benefit* more from the pyramid system than lose through it - which is the classic pyramid con which has been working amongst the gullible for centuries.

The quote "whole of market" is used by the financial advisors to show they search all the offers available to them and are not biased to just a handful of companies who might pay the best commision. Alot of people dont have the confidance or the knowledge to find out where to find the best deal hence why mortgage and financial advisors have a job. The way i use TAG is by finding the best deal i can and asking them to beat it like they did with my life insurance. As TAG have over 400 advisors accross the UK i would say that they generaly find the best deal 95% of the time.

TAG is a introducer to the financial and legal market they are not brokers themselfs.

When conducting business through say a mortgage advisor they legaly have to state to you what commision they have been paid and i know when i took my mortgage out over a year ago they got paid best part of 1000 so if you put that into the tree as shown in my first post you can see what is recieved at each stage bearing in mind the advisor usually pays TAG 35% of thier commision.

Being a business member of TAG is not designed to be a full time job only a sideline I am actually a electrician but am dedicated to growing my TAG team and my aim is to use the 5x5 tactic which basically means i am looking to find 5 people who i know will do the same and ensure that there 5 do the same to the full 6 generations therfor growing my team to over 15500 people this isn't going to be easy and who knows how long it will take but i am dedicated in promoting TAG and if i achieve my goal and even if i only earn 5 a year on average from each member of my team i will have achieved a royalties style income. This is my aim only and not what i am telling every one else to do you have to be dedicated and willing to put some work in to achive this.

It is impossible to lose anything through being a TAG member as you will never pay a penny to join or use the service also you dont have to buy any products to sell on its simply refering people you know that will use the service to TAG this is what makes this different.

TAG is currently promoting the service locally by holding fortnightly meetings in ashford kent for business members to bring potencial members along to find out more. If you want to listen in to a online presentation go to the TAG website and click on news to find out when the next one is and the sission number to access it, this might not be updated yet as there was one last night

kind regards David Baird

Well it's not "whole of the market" if the exclude "direct" companies who don't pay any commission to middlemen.

They have a job because people need advice. Generally you get the best deal when you explicitly pay for the advice and have the advisor refund you their commission. Then they aren't motivated by the level of commission.

There's no way any advisor would get 1000 commission just for a mortgage. Especially these days. They might if you were daft enough to take out an endowment, since endowments have ridiculous rip-off charges to pay the high commission, and most banks have stopped pushing them because they were generally being mis-sold to the stupid. IIRC something like the first 2 years' premiums go in charges!

Oh yes - I thought so!! The dreams of riches by virtue of the pyramid commission system!! What a surprise.

It's unbelievable with the wealth of information and history of pyramid schemes worldwide that anyone can still be stupid enough to believe there's any real chance of it making them rich. At least with this one it doesn't look like you'll actually lose money, but you could put in a hell of a lot of time and effort flogging the products and trying to get other suckers to sign up, while most of your commission goes up the tree to the founders of the scheme.

I just checked what my advisor recieved in commision for my lif

insurance policy because all my paper work has been put away for m mortgage and they recieved 452.29 just for life insurance so i don' understand why a mortgage advisor couldn't recieve that amount from mortgage lender i think you need to do some research into that.

Tag ensure you get a high level of advice other wise they will no allow them to be a TAG advisor. Advisors are motivated as TAG ar giving them good business

Being a business member isn't going to be for everyone that is wh people can join as a standard member.

There is no product to flog as you put it only a service to recomend.

This is not a pyramid scheme as they are illegal. They are simply usin a multi level marketing scheme to launch the company and service ther is nothing wrong with that.

can you please tell me why you are so against this way of marketin every thing is crystal clear on the site and is explained in severa different ways so not to mislead anyone. there is no reason someon like me cannot benefit from this aslong as i am willing to put the work in, how well il do dont know but iv got nothing to lose i dont see why that bothers you s much.

David Bair

The commission on life insurance is likely to be much higher than a mortgage. When I got my last mortgage, I went to see a couple of "mortgage brokers" and all they were interested in was flogging endowments/life insurance/critical illness. When I told them all I wanted was a mortgage, nothing else, they weren't interested in doing business with me - because they get hardly any commission on the mortgage itself - just on the insurances they want to flog with the mortgage!

It's not a "pyramid scheme" in the classic sense, which just circulates money, however the commission structure effectively operates in exactly the same way - see below.

There's nothing wrong with MLM in principle, as I said in my initial reply.

What is wrong is if people join up with ridiculous expectations of potential riches due to the pyramid commission structure.

OK.

Normally if you are salesman/agent for a company you'll get commission for sales/referrals. Other salesmen/agents get nothing for your referrals.

Say the commission paid to agents for each referral is 10 (I know it'll vary - but just pretend it's 10 each time for simplicity).

Under a normal scheme you'd get to keep the full 10 as reward for your referral.

But under the TAG scheme, you'd only get 3, as the other 7 is passed up the pyramid.

That 7 is effectively acting in a very similar way to money in an illegal pyramid scam. It's earnings you forgo in order to fund a pyramid.

The effect is no different to you getting paid the full 10, and then paying 7 of it into an illegal "pure" pyramid scam.

And like with any pyramid system, a few agents gain at the expense of other agents who will lose money (in this case foregone earnings, the 7's). The vast majority will lose.

But I predict you'll take no notice and persist, Just like two people I know who several years ago didn't take any notice and persisted with Amway and Kleeneze. Both wasted a vast amount of time and money having bought into the usual pyramid bullshit (you only need to be a few levels up to be making a fortune etc.). Several years later they finally gave up, with bullshit excuses to try to avoid "told you so" from everyone else.

Ok i see what you are saying about keeping the whole 10 and through ta

only recieving 3 but on a basic structure there is no way i could eve come close to reaching the level of people i could by doing it throg the MLM scheme. With kleeneze and amyway you have to buy and sell some guf product that no one really wants to buy but with tag you are recomending service that deals with products people need and have to have and i most peoples case thier finances and bills are there biggest outgoin each month. Also if they didn't use the MLM scheme they wouldn't be able to giv the customer cashback aswell. I think we might have to agree to disagree on this one as i am going t persist with TAG and feel as i am one of the first few people to kno about TAG i think i can benefit from it, and if when TAG does get t big for people to benefit from the business membership then there i always the standard membership for new members and no one has los anything. Also it will prove that the MLM scheme is a effective way t launch a company like TAG

Kind Regards David Bair