[讨论]教育基金的苦恼

教育基金

先不说开展业务的艰难和付出的辛苦，只想谈谈为何得不到同胞们的认同。

开始，许多人说，卖教育基金的挣钱，不从他们手里买。其实卖教育基金的挣点钱容易吗，况且，也不是从客户身上挣，那是公司给的。再说，哪里不挣钱呢。银行不挣吗? 其实银行从你们身上挣钱才多呢。您算算，CST教育基金的回报，除了0.6%的费用，全都给了孩子(回报率 10%以上)，银行呢，除了2%--5%的利息归您，其它都和您无关。

于是，决定给回扣。利益共享，总行吧。其实我有风险---这是非法的。

但是，问题又来了。那位说了：给回扣? 看来你这教育基金有问题。好东西哪用给回扣?

欢迎讨论。

拉拉娜

只有你坚信你所作的是正确的，就不会如此烦恼了！还有，不要一颗树上吊死。

教育基金

最初由[拉拉娜]发布
只有你坚信你所作的是正确的，就不会如此烦恼了！还有，不要一颗树上吊死。

远望楼1103

其实，大多数人的心理是这样的： 如果卖的人自己也花钱买这个东西的话，就会觉得可信些。所以，同样作为消费者，你不妨多介绍一下为什么自己也买，好处是什么。。。。。

至于回扣，谁不想省钱呢？真正想买的人会更看重你的这个优惠条件的。

中国有句老话： 人不叫人，货叫人。 :smile:
(DON’T TAKE IT PERSONALY。)

能顺便请教个问题么？
想买个手机给自己算是圣诞礼物。但是，市场上的手机实在是五花八门，广告又说得是天花乱坠。依你看，应该怎么判断良莠呢？

多谢！

教育基金

Call me, maybe I can give you a Free Camera Phone - SAMSUNG A600, $700 value.416-577-3146.

远望楼1103

谢谢你，教育基金。

不过，无功不受禄。尽管你的OFFER实在是诱人。

不管怎么说，BELL真是应该感到庆幸。一来，你为他们说了好话；二来嘛，我真的买了个BELL的手机。(我一向没主意的，还偏听偏信。没办法。)

教育基金

Do you want to tell me your phone number?
What type of cell phone did you buy?

awakened

RESP IS ****!
我真后悔刚来是被一个王八蛋骗去买了这东西.  连他自己都没有为孩子买!

教育基金

失业了，孩子有牛奶金，就用它了。

Jimmy C H

If the bank provide RESP deal better than XX company, why people do not trust bank. The problem is too many sales person only underdtand RESP 20-30 percent, then tell people RESP cover everything...that cost people has more and more question about that.

Buy RESP or not, drpents on your personal need and future plan. If you had lots of cash in your hand, invest in RESP can void pay Capital Gain or Income Tax. For those people who has no job, suffered on their daily life, I will say feed your children bread first, let them go working for MacDonald later to take care their school fee. For those who only interest Canadian Passport, you even don't know where you will be, why buy RESP for your Childen, hold cash is always the best!

古井

本人在业余也帮朋友买RESP,一般我都给他们买5年期的PLAN,5年后他们可做任何其它PLAN.这样对客户较公平.我不认为需给客户分佣金,这真的会给CANCEL YOUR LICENSE. NOT WORTH. 如果你以诚相待客户,客户其实并不再乎一点小钱.

finded2004

There's actually 2 types of RESP, one is the ones u find with CST, 有回扣的, The other type is acutally putting your RESP money inside MUTUAL FUND, (无回扣)
if anyone is interested, you can contact me at [email protected] and leave your #

教育基金

RESP is defined into two groups Group plan(such as CST) or Self-direct plan (Such as Bank).

You can't use "回扣“as condition. actually, "回扣“ is NOT legal !!!!!!!!!!!!!

finded2004

sorry for the poor translation on my last post.  Correction!
but what i really meant was that RESP offered by the trust comanies such as CST,UST, ETC, they charge you enrollment fee, admin fee, deposit fee, some even have insurance fee charged to the clients, and obviously the agent gets a big cut on it.  Not to mention there less flexibility on how the money is used.  
"n when u compare putting RESP MONEY in mutual fund, the only fee that's charged is the DFC, or front load, which is way way lower than what u would pay to those trust companies.  "n u would have more flexibility on how u want to use the money.

细雨润无声

买与不买的确是要看各个家庭的具体情况的。但是我不明白在银行买与在CST买有什么区别？按照国人的一般想法是，宁愿相信机构不愿相信个人，主要是担心上当受骗。可否从这方面去理解？