I'm assuming FFS is a life insurance/retirement saving company? What I don't understand is WHY so many Hmong get in these MLM or multi-level-marketing (tree,chain whatever you call it) business? I remember last summer when my wife and I visit my in laws in Fresno and one of these insurance company agent came to present slide show for my wife's older sister. She was an easily trick person and almost felt for it, BUT lucky I was there. I told my wife to tell her (in private of course) she don't speak a lick of English and no experience in sales why the "F" she going to give out her hard earned money away, But I gotta give props to that Hmong saleswoman, she dress in a tight black pant and tight blue shirt, very attractive, I'm sure if her client was a guy she probably got him to join. She was trying to get me to join, but I keep on changing the subject and joke here and there with her.
The wife was jealous or mad LOL and the saleswoman went home dry and empty hand.
Hmong especially the younger generation should look into THE INTERNET, there are billions yes billions with a "B" to be made instead of joining those company and you have to work your a$$ off, driving, presentation,etc.... You will never like the "American Dream" on those kind of job.
We're living in AmeLeeKa. Phooj Ywg Peb need to work smarter and not harder (think i spell it right lol).