What is a Certified Structured Settlement Consultant? Financial Planning

In the financial world, the name of the game for prestige is designations. The letters after an advisor’s or consultant’s name says a lot about their background, training, expertise, and professional focus. Popular designations such as the CFP (Certified Financial Planner) or the ChFC (Chartered Financial Professional) are often readily recognized by the general population. When you get into the more obscure designations, the origin and meaning of the credential becomes somewhat obscure, and is only really understood amongst professionals. One such designation in the financial world is the CSSC or Certified Structured Settlement Consultant.

Spelling out the acronym CSSC goes a long ways in explained what the designation actually covers. Anytime that a field of practice becomes inundated with new faces looking to capitalize on the market, the seasoned veterans of that area of interest are going to look for ways to not only distinguish themselves from the crowd, but to assist the general population in weeding out the inexperienced or unknowledgeable consultants.

Those not dedicated to their field of study or those just looking to do the bare minimum for a paycheck will rarely commit themselves to the additional cost and educational requirements of a professional designation. To receive the CSSC, the applicant must not only have at least two full-time working years in the industry, but they must also enroll in a 4-day classroom and coursework structure with a comprehensive exam at the end of the training.

The Certified Structured Settlement Consultant program is offered through the National Structured Settlements Trade Association in conjunction with the University of Notre Dame. The cost of the program is in the range of $3000 – $5000 per applicant, minus the cost of books. The program attempts to educate consultants in different areas pertaining to structured settlements, including Medicare, settlement planning, fixed annuities, claims, tort law, and a number of other applicable topics.

A combination of the cost of the program, the time requirement, and the effort needed to get the designation have narrowed the field of candidates in the structured settlement arena. An advisor with this designation may not be more qualified than other professionals, but you know that they are dedicated to their profession and have taken the necessary effort to remain abreast of the industry’s knowledge. Whichever advisor you choose to go with, it is important that you are able to establish a relationship of trust with them. A designation is not a substitute for trust.

financial planning

Is It Alright If Candida Sufferers Donate Their Blood? Money

Someone asked me if a Candida sufferer can donate blood to those who need them. There is happened to be a big accident near her living place, so she feels that she has to donate, too. Well, since Candida isn’t recognized as a disease by the mainstream medical authorities, I believe they won’t turn you down because of your having Candida.

At first, I thought that I wouldn’t want to give anyone any of the Candida and/or bacteria that I have in my blood, if I should have such things in my blood. Then I realized that my tainted blood (though it is not incurable) would be better than no blood at all. In other words if your blood means the difference between life and death for someone, then don’t even worry about Candida.

My college friend had her Candida in the blood stream. She donated twice, but we never think it was such a good idea. I didn’t want someone else to go through what I did, really. But it was clear now that that is not so bad, since the time I went and spoke to my chiropractor.

My chiropractor – who is also a Candida survivor – said to me that the blood is more important than the Candida. It seems to be that if somebody is in such a bad shape that they need blood, we have to put our Candida second. However, she suggested that we wait for a week or two to donate. If there are so many people who donate, and there is a need in a couple of weeks, all those people won’t be eligible to donate again.

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Understanding Pruvit: Can You Really Make Money With Pruvit? Money

Pruvit was first registered in 2013 and offers a product line designed to help your body reach ketosis, giving you the ability to lose up to one pound per day, raise your IQ, and increase your energy. In addition to offering a product in which help your body enter ketosis, Pruvit also offers a business or income opportunity giving you the ability to make money from home marketing their product and company. First, what is ketosis exactly? Simply put, Ketosis is a condition your body is able to enter allowing you to burn fat rapidly and increases your metabolism. However, can you really make money marketing Pruvit’s company or their product?

The Thing: Most companies similar to Pruvit have a wide variety of products and many of them. However, Pruvit has only one product. They have based their entire company around this product and have scientifically worked to design this product to work to the best of its abilities.

  1. KETO//OS (Ketone Operating System) – This product is the sole of Pruvit’s product line. It’s essentially a drink mix with ketone energy technology designed to provide the body with macro nutrients giving your body the ability for cellular regeneration and stability along with enhancing the body of energy and focus and most importantly, burning fat and increasing your metabolism. You are able to get 15 servings of this drink mix for $85.00, being the minimum amount and price, and 75 servings for $350.00. You simply have to dissolve a pack of this product into cold water and shake it up insanely!

This product is supposed to do a good amount of things, here’s a few:

  • Provide rapid fat loss
  • Allow your body to passively gain strength
  • Allow your body better digestion
  • Increase your focus and energy
  • Allow you to enjoy better sleep
  • Provide your body with clearer, more healthy skin
  • Put you into a better mood overall
  • Increase brain activity

The Opportunity: In order to understand if people are able to actually make money from marketing Pruvit’s company or products, we have to take a look at their Compensation Plan. A compensation plan is simply how companies pay their members; every company in the entire world has one! Some pay minimum wage, others pay salary, and companies similar to Pruvit do it much differently.

There are around 5 different types of payouts that Pruvit offers in addition to 14 sub-payouts in each major type, such as Kick-Off Rewards(First 30 Days), Leadership Rewards, GamePlay Rewards, Partner Rewards, and Residual Rewards, we will examine only a few of the sub-payouts. I am going to try to keep this simple while still providing the information needed to know.

  1. Go Pro Bonus (Kick-Off Rewards) – Within your first 30 Days of being involved with Pruvit’s business or income opportunity you can receive a payout depending on your Personal Team Volume as well as your Team Volume. The higher those are, the more you get paid.
  2. Go Fast Bonus (GamePlay Rewards) – This payout is weekly, however, the promoter or distributor can apply for daily payouts as well provided they are experiencing great success. The Go Fast Bonus pays the enrolling or selling promoter for the first order place by other promoters of distributors that they have Personally enrolled.
  3. Dream Team Bonus (Leadership Rewards) – For members that have reached Rank 8, they have the ability to earn this annual bonus from other promoters/distributors’ that they have personally enrolled in which contribute to Team Volume. To keep it simple, if a promoter enrolls someone personally, and that someone contributes to Team Volume by purchasing product, the enrolling promoter gets a yearly payout. Keep in mind, in order to achieve this type of payout, you must reach rank 8. By the time you reach Rank 8, you will have much more than just one promoter in which you have personally enrolled, therefore, the payout could be quite enormous.

To Conclude, Yes, you Can make money by marketing the company Pruvit or their product.

The Cost: If you would like to get involved or affiliated with Pruvit’s business or income opportunity, you have to understand how much money that is going to take. Understand that this is a way for you to create a business all from home. If you were to create a Construction Company, you would need to pay a certain amount to get started. With that being said, don’t be discouraged to not join the company with that one reason alone. Opening a business requires money!

VIP Launch – In order to get affiliated with Pruvit and begin making money from home by marketing their company or products, you must purchase their VIP Launch Package for $350.00. If you become a VIP member of the company you will be able to get discounts on their product. For 15 Servings you will only pay $76.00 rather than the previous $85.00 and for the 75 Servings product you will only pay $133.00 rather than $350.00.

My Conclusion: Pruvit offers a product designed to strike your body into ketosis rather rapidly to increase your metabolism and burn fat. The product is unique but kind of pricey. They offer a business/income opportunity for those that would like to market their products or company. This opportunity has several different types of payouts and yes, you definitely Can make money from being successful by referring members into the business or by marketing their products and generating sales. The cost is pretty cheap, which makes sense. Most companies with a Start-Up cost are either cheap or expensive depending on how lucrative their compensation plan is. The compensation plan that Pruvit offers is nice but is going to require a good amount of work in order to start receiving huge payouts.

*Dustin Hale is NOT affiliated with Pruvit or their business/income opportunity


How To Break Every Sales Record In Your Company Money

There are no excuses for lost sales…

But, if you’re like me, you’ve given plenty. Among my favorite are the following:

“I only get bad leads.”

“I don’t have enough time.”

“I can’t make someone do something.”

“I’m having a bad month.”

Most of the time we use excuses in place of well-honed technique. Instead of putting in the energy to master the basics of sales, and constantly improve, we would rather invent another creative reason of why every force in the world is against us meeting our quota.

Here’s a secret….(it’s a freebie, so no need to send money)…the number one reason why salespeople lose sales is….


Yes, salespeople sabotages themselves all the time. Just to prove it to you, think of the last time you visited your favorite retail store. Did an employee rush up to you and ask, “Can I help you with anything?”

Of course they did. They do it every time. Why? Because some well-meaning executive demands they assault every customer with this question. Why? Because it works, but only sometimes. Most people spit back an automatic response of, “No. Just looking.” This brief conversation happens so frequently that most of us don’t even have to think about it.

What does this have to do with breaking sales records?

Oh, only everything.

To break every sales record in your company, you have to master three areas of your sales process:

1. Qualifying

2. Questioning

3. Reversing

I’ll assume you’re familiar with the first two areas. So let’s jump right in, shall we?

Qualifying: Selling to people most likely to buy

It’s my firm belief that most salespeople waste time with people who won’t buy, can’t buy or might buy in the future. If you want to break records (and you wouldn’t be reading this otherwise) you must decide right here, right now that you will never trade time for nothing. You must promise yourself and your family that you will pro actively and strategically sell only to those prospects with the highest probability of saying yes.

How do you identify these prospects? By mastering the art of qualifying. In essence, this area blends into the questioning area. However, to achieve the level of success you desire, it’s important that you separate the two areas in your mind. Qualifying well is the first step towards breaking sales records.

To qualify, follow these proven steps:

1. Define your ideal customer. What would your perfect prospect look, feel, believe, say, and say? Obviously, they would have the power and money to purchase your product or service. Get as specific as possible, because you can only target your best opportunities if you know how to spot them. Go ahead. Take a minute and write it down. For example, for a furniture salesperson, the ideal customer might be someone with a need for new furniture, with the money and decision power to make a purchase immediately. In the best circumstance, this person would be looking for the type of furniture the salesperson can offer, and want to make a buying decision as soon as possible.

2. Develop a series of qualifying questions to identify this ideal customer. The furniture salesperson might ask: “What type of furniture are you looking for?” “When do you need it?” “Is there anyone else who needs to approve of this item before you make a decision?” And so on. You get the picture. I can’t over emphasize the important of this area in dramatically increasing your closing ratio.

3. Spend most of your time selling to your most likely customers (and their referrals, of course). Manage your day and your schedule by these prospects. Chase the other, less likely prospects, but only after you have serviced the top priority clients.

Master the Art of Questions

To a seasoned salesperson, that this area is vital is no surprise. However, most salespeople, even highly paid ones, still stumble occasionally with questions. Questions direct the minds of your customers and keep you in control. In order to break sales records, you need to be able to do both naturally. Interested? I thought so.

When designing a set of questions for your most likely customers, keep the following in mind:

1. Each question should lead the prospect towards a “Yes”

2. Use Questions to find out what you have in common with the prospect (comment on anything that makes you “Like” the other person: hobbies, life experiences, family, challenges, etc).

3. Ask questions to uncover your prospects problems, pains, challenges and fears

4. Ask open-ended questions that let your customer tell all about themselves and their problems.

5. Ask “yes” or “no” questions only if you know what the most likely response will be. Try to set up your customer to say, “YES” as often as possible during the questioning phase of the presentation.

6. Ask questions to focus the prospect on how bad their current situation is and how worse it will become if they do nothing.

7. Ask closing questions throughout the entire sales process. Collect commitments as often as possible. Example: “Do you like it in red or blue?” or “It sounds like this is something that you really need to do. Is that fair?”

8. Over half of the things you say during a sale should be questions. Answer objections with questions. Answer questions with questions. After every few minutes of presentation, ask, “Does that make sense?” or “Do you have any questions about this so far?”

9. Ask emotional questions: “How do you feel about that?” or “How does that make you feel?”

10. Ask questions that target values, beliefs, emotions and motivation.

Two of my favorite questions are: “What is the most important thing to you about…..?” and “Why do you want to…?” The first question uncovers values; the second motivation.


If you get good at the first two areas, you’ll be well on your way to breaking every sales record in your company. But if you get good at this last area, you’ll blow your competition away. In short, reversing is simply acting in direct contrast of expectation. Instead of being eager, you hesitate. Instead of trying to convince someone of something, you try to talk them out of it.

At first, it doesn’t make sense. Until you really think about it for awhile. And if you use it a few times you’ll walk away dumbfounded. Like a miracle, it will produce wondrous, life changing results for you.

Here’s the great news. You can “reverse” at every step of the sales process. Do the unexpected and reap the results.

Consider trying one of the following reverses this week:

1. Throw an objection back at the customer.

EX. Customer: “I can’t afford it?”

You: “That’s exactly why you should do this. Let me explain why…”

2. When calling old prospects you haven’t heard of in a while. If they say they’re still interested, instead of jumping in with a sales pitch, try acting surprised.

3. Whenever a prospect makes a positive comment on your product or service. Try saying something like this: “Before moving ahead, I want to make sure you have considered everything…” or “Let’s step back for a moment first. What about transportation? Babysitting?”

The magic of reversing comes when prospects start defending their decision to buy from you.

Now you have a choice to make: You can either print this article off now and use it immediately or save it to your computer for later use.

If you’ve gotten anything out of this article, would you do me a favor and send it to a few of your friends?

Thank you!

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