PHP Financial Services PEOPLE HELPING PEOPLE PHP Financial Servises is another Pyrimid Marketing Sceme!  They are an Uprofessional Financial Company. Northridge, California 

I was first introduced to the company by my friend Johnny Feldman, back in September 2010.  I called Johnny to see how was doing, and being the crooked salesman he is, he ask to help out a friend of his, that I knew, if I would her with her training by letting her come over with a training associate.  I said, what is this? "World Financial Group, or another MLM? He said , it's nothing of the sort, and WFG was going under due to many complaints.   I said that I have already have  a Money Manager, and that I am not going to buy anything.   He said, "No don't buy anything!  This is just for her training , so  she could get her licence.

So did, and I saw her and her Training Rep. Veronica Sesma, a young 26 year old inexperience women in the financial feild.  They were an hour late, which made them look like unprofessional hypocrites, sense they preach punctuality.  Well to go on, Veronica did her presentation, by following a chart and a formula set up by PHP to sell the sevices.  She stated this is a company that does financial service for the bottom 98%, who make below a 100 k  a year.  She stated that company teaches families how to save money for retirement, and teack people how to make extra income.  I knew that it was another MLM sceme, something too good to be true.  How she sparked my interest to look further, and check out the Meeting, was that she said there were lots of single women there, knowing that I was single, and looking for the my soul-mate, so I can start a family.  So she played off of that in order to rope me in.  And I'm sure Johnny Feldman clued her in, that was on the market for a young woman, and eventially get married, and have a family.

It's been my expeirence that these people do anything to rope you in. 

Needless to say I went to ther Training Meeting at Braemar Country Club to see what was out there.  Their was about 10-15 people in our training presentation, and the Co-Chairman/ Founder, "PATRIC BET-DAVID" spoke.He was a good speaker, and talked about market trends, and how they went with Baby Boomers.  Startrd with Gerber Baby Food, who started 1946, and how the company became successful.  He then went on to the different trends, the construction boom in the 1950's-60's, to the Sport car boom in the 1970's, to the Real Estate boom in 1980's, all due to where the Baby Boomers were.  Now He said that the next boom is Life Insurance as the Baby Boomers were getting ready to retire.

He pumped everybody up with that PHP, and Life Insurance is going to be the next biggest trend, and that if you went with PHP, that there would be a pot of Gold for everybody at the end of the rainbow, even for part-timers.  He is feeding off the bad economy, and people's employment uncetaincies. I must say Patrick Bet-David is very condicending, and talks down to everybody as he is a typical ego-maniac.

The next day I got a call to come in for an interview.  I came in, saw Jose Gaytan.  He was very flatering, and related well to me.  He asked me what my goals were.  I told him that I had a cereer that pays well, and a Money Manager that I'm happy with.  I told him that I was open to looking into his company, afer he said that I would for sure make at least $4,000. a month working part time, and all I needed to do was spend a couple of hours at night, after work doing this, and go to two meeting a week.  Needless to say it sounds good , but it's not reality.

After that quick Faux Interview I had with him, he said the company doesn't work with anybody, but that they'll work with me.  All I had to do is fill out a 1099 form, and pay a $100. for a processing fee. When that happend I knew there was someting fishy.  Johny Feldman walk in, and I look at him, and questioned the legitimacy this.  I was told that there wasn't going to be any money out of pocket   by Feldman, Sesma, and PHP.  But I  did it, because it sounded good.

With in the next month, I meet a girl that I was fixed up with, and we had a fling.  She was just starting out again after quiting. 

She already had a paying job as an insurance agent at botique agencey.  She wanted the pie in the sky, and Veronica Sesma got her, in, while Patrick and company convinced her about all the B.S. about starting her own business, quote on quote, lol.  Yeah right!

She, a febel minding person got totally brained washed by these people, and it was like she was in a cult.  She then dumped all her firends, as she was convinced that they were a bad influence on her, because they told her not to get involve this pyramid marketing sceme.

OUr relatiuonship was new, and we were hanging a lot for two weeks, until Veronica Sesma, her up-line, and Patrick Bet-David put the pressure on her to recruit certain number of peopl under her, sell  a certain number ofwhole life, and universal life policies. 

After that she spent her whole time outside of work doing PHP, and no time for me, or sleep.  She thought PHP was gospel, and that Patrick Bet-David is Jesus Christ.

In a nut shell I saw through company, and got out.  People, it's not as easy as they say to make the money.  PHP office is filled wit foriegnerd, and young people whom have sold their soul to Patrick Bet-David.  These poeple don't know anything about life insurance policies or finances. 

They give you site to sign in up on in order to study for the Life Insurance Exam.  They pressure youn to do 36 hours on line with in a week.  They tell you to that you don't have to read the material, and just move the mouse up and down to show activity.

Folks is this whom you want to be in charge of  all your life savings, and make a disision on what program to put you in?  I DON'T.

Also one of the prerequististes of being an assciate with PHP is buying one of the life insurance programs.  They also have classes which are good.  One being PHP UNIVERSITY.  It's 6 classes @ $100. a class. And if you don't met the requiremnets as the class goes on lilke, not enough recruits, or policies sold, you'll have to pay Patrick $20.  And these people's sales pitch is on getting recruits, is that there company is hiring and willing give you free training , RIGHT!

$100. for signing up, a $100. per PHP UNIVERITY CLASS, and $150. for the BIG EVENT they have every 6 months where Steve Wosnyak of apple computer speeks.  THAT SOUNDS NOT SO FREE TO ME.  They Put a lot of pressure on you to get recruits under you, and sell policies.  People were sell selling life policies on the last day of the month in order to get their  faux prommoson in the company that doesn't pay them.

I understand it's sales, and it commision only.  The Woman that I was dating sold a lot policies with PHP, and didn't get paid her commission upon signing.  She says that there is no commission, only residules, which pays out after a policy renews. That doesn't sound right.

As I can see the Agents there do not know what they are doing?  They don't give the attention that there clients deserveand need, because are too buisy recruituing no blood be under them, as well as writing faux policies to win compitions and faux promossions.

PHP promotes themselves a s a Christain Company, and the moto is that they are on a crusade to save America.  And they actually believe it.  I SMELL CULT!

Patrick Bet-David is the leader of this cult, and really thinks that he is Jesus Christ reborn.

Don't be fooled by PEOPLE HELPING PEOPLE, AMERICA.  It's more like POEPLE HELPING PATRICK BET-DAVID GET RICH.  This company will suck you dry, and will actually add the bad American economy.

They lie just to get your business.  Johnny Feldman, and Veronica Sems said the PHP has no affiliation with World Financial Group, andother MLM. Not true Patrick Bet David, and a few of the Top associates were wit World Finanicial Group.