Archive for May, 2019



Helping your children develop a positive work ethic is a priority for all parents, but it can be difficult in today’s modern world to discern whether we’re doing the right thing with all the other priorities out there to juggle. If you have teenagers, helping them develop confidence in their work ethic is essential. Here are a few steps your son or daughter can take to land a job this summer:

Expand your social network. Contact family and friends to let them know your teen is looking for work. Check out neighborhoods near you that may have trustworthy websites and/or social media sites that may post help wanted notices for appropriate jobs for teens. If your child already has a service to offer, such as babysitting or mowing lawns, help them post to these sites and offer their services. Just be sure to screen the responses and make it known that your child’s parent is involved.

Send them back to camp. But this time, as a counselor. If your child already knows the ropes at a particular summer camp, or if he is already interested in a particular subject, like music or marine biology, his help may be invaluable to a summer camp organizer looking to hire someone to guide younger kids in that subject matter. Help your teen with a web search on summer camps in your area that align with his interests and go from there. Be sure to check out local governments and nearby parks for camps being held there, as well.

Let them volunteer. Don’t ignore volunteerism as a way to develop a strong work ethic in your teen this summer. It looks great on a resume and is a definite character builder and can help them navigate interests for potential careers. Many large national organizations – like American Red Cross, Habitat for Humanity and Meals on Wheels  have local offices where you can offer your help, in addition to other volunteer opportunities that may be available in your area. Make sure you stress to your teen that there are plenty of other causes – no matter how tiny – that can have a huge impact on your community and on them.

Bring them to the office. If you own a business and can use your teen’s help, hire them. Whether it’s filing, making copies, answering phones, or grabbing coffee, a part-time job can help them branch out and ready themselves for the adult world.


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Posted in Community, Primerica, Tips |



We are proud of our Home Office teammates and individual donors who have graciously contributed their time, energy and money to help Primerica continue to lead in fundraising efforts for the 2019 Relay for Life in Gwinnett County, Georgia.

Fundraisers this year included cookouts, auctions, raffles, bake sales, book sales, bingo, professional headshots, an option to donate cash to wear jeans to work, and many other creative ways our Home Office teammates came up with to raise money to find a cure.

After the close of the Relay for Life event, held May 9-10 at the Gwinnett County Fairgrounds, more than $114,000 was raised by Primerica teams alone. We were #1 in 2018 and Primerica wants to claim the #1 fundraising title again in 2019!

Click here to support the Primerica Relay For Life team. Online donations will be accepted through August 1.



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Posted in Community, Company, Primerica |



If you’re in the club of indebted adults with college degrees, rest assured you’re one of the popular people. The number of college grads with student loan debt is now around 70 percent – and the average debt someone graduates with is close to $30,000, comprised of both private and federal loans.1

But while facing the future with all that debt can be soul-crushing, (one recent survey found that more than a third of college grads with loans regret taking them out),2 there are ways to stay optimistic about the future.

Here are three ways to take action and rethink your student loan debt:

  • Apply for income-based repayment. Contact your lender and inquire about a fixed monthly payment that is based on your annual take-home salary. This can give breathing room to come up with a plan to aggressively tackle the debt over time.
  • Investigate your eligibility for student loan forgiveness. There are a number of student loan forgiveness programs available for people who work in various job sectors. These are mostly arenas where you work with the public, like education, government, non-profits, law, medicine, etc. There are also forgiveness programs available for people facing long-term disabilities or those who cannot work.
  • Consider entrepreneurism with a proven system. While it can be argued that starting a business isn’t ideal for people with student loan debt because of risks and overhead costs, finding the right opportunity with a well-established company where there is room for growth can be the solution to earning a little extra money towards paying down debt, and other financial goals. Primerica, for instance, offers part-time opportunities.*

1, “A Look at the Shocking Student Loan Statistics for 2019,” February 4, 2019

2, “Millennial Money: Why Young Adults Still Need Support Parents,” April 18, 2019

*Primerica Representatives are independent contractors and are not employees of Primerica. In Canada, the part-time opportunity may be subject to certain restrictions, depending on your occupation.


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Posted in Community, Opportunity, Tips, Wallet Wellness |



The cost of child care in the United States has risen so quickly, it’s challenging college tuition and housing costs as the biggest chunks of annual family income when it comes to raising a child in the United States.1 Although the U.S. Department of Health and Human Services estimates that childcare should account for no more than 10 percent of a family’s household income, in some parts of the United States, the actual costs range from 7 percent to a whopping 18.6 percent.1,2

Here are some tips for reducing childcare costs:

  • Determine your budget. Deciding how much you can afford before diving into the market of available child care options will help give you a clear picture of what is within your means. After some number crunching, you may determine that it is cheaper for your family if only one parent is the breadwinner and the other stays home. A 2018 statistic from The Pew Research Center found that one in five U.S. parents stay at home while the other parent works.3
  • Begin researching early. Start early – like before your child is even born, or well before your expected return to work date, thus widening your options and allowing you to find the best situation for your family and your employer.
  • See what discounts your employer offers. Many employers offer generous discounts to daycare centers near their headquarters or in communities where their employees live. Check with your Human Resources department to find out if there are any available to you.
  • Evaluate your benefits. Many health insurance plans offer a Flexible Spending Account (FSA) that can be used to pay for childcare. If your healthcare plan does, make sure to use it to your advantage.
  • Host an au pair. An au pair is typically an arrangement where a family needing a caregiver for their child(ren) hosts a young adult from a foreign country in exchange for room, board, and miscellaneous expenses. Au pairs are cost-effective alternatives to live-in nannies and can be suitable for older children. There are several reputable websites offering international au pair services on the internet.
  • Consider nanny-sharing. A nanny-share arrangement is where two families split the cost of one caregiver or “nanny,” thus decreasing the cost of services for each family involved and increasing the price paid to the particular caregiver. There are a couple of reputable sites on the Web where you could get started. Just be sure to do your research.

1, “Affordable Child Care May Be as Mythical as Unicorns,” July 25, 2018

2 Ibid

3, “Child Care: What Do You Pay?” April 2, 2019

4, “Stay-at-Home Moms and Dads Account for About One-in-Five U.S. Parents,” September 24, 2018


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Posted in Primerica, Tips, Wallet Wellness |