他是一个很能干的推销员，在我找到工作后不久，到我家向我推销FREEDOM 55。他问明白我挣多少钱，有多少存款。然后，在大约两个小时的谈话过程中，让我不知不觉的相信自己应该买一辆两三千元的美国车，应该长期住BASEMENT。但省下的钱不仅不能存进银行，还应该想尽办法把银行的存款数降下来，以便获得国家的托儿补贴。结论就是把我买车和住房省下来的钱都买成终生保险。

当我简单计算了一下自己的收入和支出以后，发现第二年我就交不起那么多保费了。这位华人成功的典范说：“不要紧。你第二年可以只交60%，等钱多了以后再多交。”

后来听别人说，这个人的眼光紧盯在新移民身上，并且不顾客户的实际生活需要，从来都是只卖大单，让客户一下子把钱花光。他从中渔利。而他所获的回扣是以你第一年的付款额来计算的。

幸亏我轰然悔悟，及时取消了合同，收回了订金。得以幸福生活至今。

奉劝各位，千万小心。

There is one chapter on insurance. Once you finish it, you should have a pretty good idea on what kind of insurance you should get and how and from whom you should get it. Be very careful when you buy insurance from those sales people, as they make more when they sell you more expensive plans. Some of them are going high tech these days. These computerized presentations will make your head dizzy. Don't get intimidated.

Seriously consider investing your money instead of paying insurance premium.