Michael J. Gallina - Primerica Senior Vice President

04/27/2023

It was "Take Your Daughter to Work Day" at our office for Carly and her daughter! Mine is still away for another few days so I had "Take Your Dog to Work Day"!

02/10/2023

Primerica has been named to the "Top Workplaces USA" list for the 3rd consecutive year! This national recognition is based entirely on employee feedback from the company’s U.S. corporate office, and I am proud of the inclusive work environment they foster. When Ruth, Julianne and I visited the home office in late December 2022, and when we talk to the staff there in the daily course of business, we see how much they truly love serving you, our clients.

11/18/2022

In the 40+ years that Primerica has been in business and the 37+ years that I've been with Primerica, the focus has always been on doing what’s right for clients. This means that representatives like me must be properly licensed to work in our varying lines of business and are committed to continuing our education on how to best serve clients with integrity. As Thanksgiving approaches, I'm grateful for the friendships Ruth and I have with you. Have a Happy Thanksgiving week! Bit.ly/PriDisclosures

11/08/2022

Approaching age 65? Already have Medicare? Did you know, through the Primerica Senior Health referral program, e-TeleQuote's easyMedicare licensed agent can guide you through your coverage options? For information, feel free to contact me at (908) 236-6767.
Bit.ly/PriDisclosures

05/24/2021

But you knew this already !

Residents of New Jersey will pay almost $1 million in taxes over their lifetimes, more than any other state.

05/05/2021

Wow! Saw this opinion piece today in NJ's largest newspaper. If it's true and if you're a teacher, you better have a financial game plan for your future. Reach out to me. The opinions in the article are the author's alone and are not my or Primerica's opinions.

A new study shows that New Jersey’s Teachers’ Pension and Annuity Fund is one of the worse funded plans in the nation

04/20/2021

Helping families with Medicare related insurance policies, here we come!

Primerica announced today an agreement to acquire e-TeleQuote, a distributor of Medicare-related insurance policies.
Senior health insurance will expand Primerica’s broad financial services portfolio and enhance the Company’s middle-income focused client reach. Read the press release: https://www.businesswire.com/news/home/20210419005820/en/Primerica-Announces-Agreement-to-Acquire-e-TeleQuote

03/04/2021

In this news release from the National Financial Educators Council, it was found that 48.1% of people could NOT comfortably talk about their finances with a spouse, loved one, friend or co-worker. One of the wonderful things I experience on appointments with people is that my presence and questions get couples / families to talk about the financial thoughts and concerns they were keeping inside. Call or direct message me, we'll get the conversation started.
https://www.prnewswire.com/news-releases/love--money-month-financial-wellness-campaign-launched-survey-data-research--resources-301226936.html

02/25/2021

Give me a call. Licensed for over 35 years, I can help you, your friends and your family.

Applications for life insurance in the U.S. jumped 4% last year, mostly on demand from those under age 45

02/15/2021

Hello friends, I know some of you use your investment money to take road trips with the grandchildren. How about these ideas? I think a few would still work for my 19 year old! 😄

01/29/2021

HOW TO START OUT & STAY FINANCIALLY STRONG IN 2021

With many households developing a financial game plan for the first time and others revisiting outdated or inadequate ones, families are focusing on their financial futures in 2021. Wherever your starting point, here are some ways to start off strong:

Build Up Your Emergency Savings:

Automating – and diversifying – your savings can help you build this vital savings account back up if you saw it diminish last year. About 46 million Americans had completely used up their emergency savings only six months after COVID-19 was declared a pandemic in 2020, according to a survey conducted in August.1 The largest age group who responded this way were older millennials (26 percent), followed by Gen Xers (25 percent). As a rule, try to save up at least six-to-eight months of living expenses in a high-yield savings account in case you lose your current income stream.

Pay Off High-Interest Debt:

If you are one of the 110 million Americans struggling with credit card debt, start the New Year by developing a debt reduction plan that works for you. Writing down everything you owe, negotiating with your creditors, using every windfall as a credit card payment, and completely changing your lifestyle habits are ways to contribute to paying off what could quickly become a crippling problem. The average American household owes about $8,860 in credit card debt.

Review Your Goals and Budget:

Whatever your financial goals may be for 2021, updating your budget to meet those goals is the key to getting there. If your aim is to pay off unmanageable credit card debt while building up your emergency savings, your strategy might be cutting back to a barebones budget allotting only for the basics like housing, food, utilities, transportation, and bills, and leaving everything else to paying off debt and building up the emergency fund. If saving for retirement is your number one priority, set a realistic savings goal amount for yourself with careful consideration, and create a budget to help you reach that goal. Make sure you’re taking full advantage of the matching opportunities your employer may offer if you have a 401(k) and other long-term savings options available.

1. CNBC.com, “Nearly 14 Percent of Americans Have Wiped Out Emergency Savings During Pandemic,” September 1, 2020 2. Bankrate.com, “How to Pay Off High-Interest Credit Card Debt During Economic Downturn,” April 16, 2020 3. CNBC, “Seven Tips for Tackling Your Credit Card Debt, From Someone Who Paid Off $100,000 in Three Years,” September 24, 2020 4. Debt.org, “Key Figures Behind America’s Consumer Debt, viewed September 24, 2020 5. Money.USNews.com, “Things to Do When You’re Deep in Debt,” September 16, 2020

In the U.S., securities and advisory services are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001, member FINRA [www.finra.org]. Primerica and PFS Investments Inc. are affiliated companies. PFS Investments Inc. conducts its advisory business under the name Primerica Advisors. In Canada, mutual funds are offered by PFSL Investments Canada Ltd., mutual fund dealer. Head Office: Mississauga, Ontario.

Representatives must obtain all appropriate licenses and appointments prior to making a sale or receiving a commission.

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11/25/2020

But he did splurge on cool sunglasses...

Benjamin Franklin’s timeless money advice:

He could make more money and live a more luxurious lifestyle, but making more money and living a more luxurious lifestyle meant doing things he didn’t want to do.