Understanding Pruvit: Can You Really Make Money With Pruvit?

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

A Review of Have More Money Now

John Layfield's book "Have More Money Now" which was published in 2003, caught my attention years ago when he had been on CNBC giving financial advice and even contributed to Fox News. John Layfield is also known as JBL, and was a professional wrestler; It was different seeing a professional wrestler in a suit giving a serious commentary about finances.

Layfield's story is a little different. He never had to overcome being in debt, but he did go through many years of not having very much money. In fact there were plenty of times when he had no money. When he had to quit playing football he got into professional wrestling. However, wrestling for him was far from the glamor you see on television. He was paid $ 3.00 for one match when starting out. Sometimes he made $ 10.00 or $ 25.00 for a match. He gives a great account of the struggles he went through while trying to make it in the wrestling business.

John Layfield does not mention in his book if he consciously made choices when he was younger that stopped him from accumulating debt. He just did not spend money he did not have. As he says many times in the book when referring to delayed gratification "have when you have". If he had to live in a tent or go without heat he would do it. He only bought the necessities he needed with the money he had. Many of the promotions he worked for would provide him some kind of meager accommodations while he wrestled for them, but he was not making much money at all back then. By living only on whatever cash he earned he saved himself from the problems of accumulated debt.

Some of the lessons learned in "Have More Money Now" by John Bradshaw Layfield

-Forget the past. Focus on the future. Whatever happened in the past can not be changed. Rather than sweating over what you should have done, focus on what you can start doing now. How can you reduce your expenses, increase your income, or increase your financial education ?

-Don't be average. Do what you care about and excel at it. If you are doing what you want to do, you will work at it much harder and that passion dramatically improves your chances of being successful.

-Delayed Gratification ("Have when you have") Layfield stressed "living within your means" many times and he certainly practiced what he preached. For years he struggled to make enough money just to buy basics. Even though times were hard he never went into debt buying things he simply wanted. Part of his success came from avoiding the trap of debt.

-Poor choices and behaviors will cause debt . Layfield says, "The key to being out of debt is to first stop incurring debt". Old habits have a tendency to lead you into spending more than you should be.

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The Critical Illness Insurance Market

In my previous article: Five Steps to Critical Illness Sales Success the first step was to identify your target market. With your target identified you can begin to list the various objectives that can be achieved with the use of a critical illness insurance policy. Some potential markets are:

  • Self employed individuals
  • The family market / Single parents
  • The group insurance marketplace
  • High income earners

While there may be some overlap in ultimate objectives the reasoning behind the objectives will differ. It is impossible to launch an effective marketing campaign without understanding your target market's goals. And without a specified target market it is impossible to fill your calendar with high quality prospects.

The Self Employed

Perhaps no other target market needs Critical Illness Insurance more than the self-employed individual. Unlike an employee of a larger company this individual has no employee benefits other than what he purchases for himself. The objectives of this market segment may include: income replacement, money to hire a temporary replacement employee, money to pay routine business expenses, major medical gap coverage and freedom from managed care restraints. It is important to recognize that the self-employed individual most likely does not have disability income protection whether income protection or overhead expense. The Critical Illness Policy is a viable and less expensive alternative to disability income.

The Group Insurance Market

This marketplace offers numerous Critical Illness Insurance applications. Depending on the group size that you target some of the objectives might be: expansion of voluntary benefits, medical gap plan, executive benefits and expansion of employer-paid benefits. This market is more complicated than other markets because you may have to understand the objectives not only of the employer but that of the employees as well. While the employer must approve Critical Illness Insurance as a voluntary benefit, the producer will still need to understand the objectives of the employees to have a successful enrollment. To open a discussion of Critical Illness Insurance as an executive benefit it is important to understand the value to the executive. The employer market may have numerous challenges but it can be one of the most profitable.

High Income Earners

This category includes doctors, lawyers, consultants and other professionals with incomes above $ 250,000 annually. These individuals tend to have disability income protection but are limited in the percentage of their income that can be protected. Critical Illness Insurance can ensure that they do not have to deplete their savings and investments in the event that they are disabled by a covered illness. Individuals in this category tend to be less concerned with the potential out-of-pocket expenses that may be incurred then they are about protecting their financial future.

The Family Market / Single Parents

The need for Critical Illness Insurance here should be clear. For working Americans, whether in a traditional family or as a Single Parent the need for cash when a family member is diagnosed with a critical illness cannot be overstated. The income replacement needs are far in …

Top Financing Options for A Start Up Business

Business needs financial support as well as planning. If a business gets proper planning along with appropriate financial support to implement the plans in real life then there will be a great chance that the business will get the success. Businessmen know that it's hard to arrange financial support for a business. There have many reasons for that, people don't want to believe in a business which is just placing its first step in the market. But still there have many ways and by using them, a businessman can collect financial support.

Small Business Start-up Loans
Small business start up loans are the great options for start up trade owners. It offers a great opportunity for those who are seeking financial support for their small trade. Basically, a wide range of small business loan startup loans are available in the market but among them, SBA loans are the most famous option. A businessman can use the SBA fund for various purposes such as inventory purchase, rent a business place or pay to the employees. So, you can easily use them for many sectors in your business.

Getting commercial loans are nowadays not a hard task if you have all necessary things. You can easily get an SBA lender in your locality. Besides this, nowadays many online lending institutes are available and you can contact them through the internet.

Credit Cards
If you are not getting commercial loans then you can turn yourself into a credit card. This process is not uncommon for startups. Many traditional lending institutes such as banks offer credit card designed especially for small business which is far better than a personal credit card. A debtor should keep in mind that using a credit card loan is very expensive based on the rate of interest but if you are out of options and you need fund then it is also a great option for you. But before accepting the credit card loan make it sure that you have learned all the terms and conditions and then you should sign on it.

Family and Friends
The very first rule of a business does mix business with pleasure. If you have the option to debt money from a family member or a dear friend then why you will search outside investor. The benefit to family and friends is that you don't need to search for commercial loans. Having obligations from friends and family also can help you establish credibility when you're looking outside investors. If your nearest and dearest don't believe in your idea, why should other investors? Very often, friends and family is a good source of funding. Besides all of this, if you have decided to collect your required fund from a group the make it sure that everything is written.

Saving
Your own savings can help you to come out from business financial needs. This option offers you freedom and control in the business. But it is also important to understand that you are giving your …

Make Money Online Taking Surveys for Beginners

In the event that you are new to paid surveys, you may possibly speculate how do I begin making money by taking on the net surveys? This article is a guideline for paid survey newbies and make sure you follow my step by step guidelines below to get on a speedy and good start.

1. Keep in mind this: do NOT pay any person to do paid online surveys in any way . It is generally FREE to do paid surveys and get money. Authorized paid survey and market research firms do not charge you, in fact they pay you for your opinion.

2. Create a devoted email account . You will receive lot of emails and you require a separated email address for survey invite emails. Note: You'll have to turn OFF your spam filter or establish the spam filter option to do not erase emails in spam folder instantly, normally you may miss survey emails.

3. You may well want to open up a free PayPal account . Various of survey sites provide their payment via PayPal. It's 100% free to send money, and 100% free to accept payment in the event that you have a basic account, a low transaction fee make use of for Premier and Business Accounts to get cash, and it is generally faster than check payment.

4. Register with all the real online survey businesses you can find , starting with the top 10 cash paying survey panels. Be sure to verify your survey panel membership. This often entails clicking the link in the confirmation email coming from the survey panel following signing up. This is essential step for sign up. I recommend you take time to subscribe with ALL the genuine survey sites you can find. The cause is very basic, the more survey sites you sign up with, the even more survey invitation you acquire to do.

5. Suggestions on staying away from scams.

a. If you come cross a survey internet site, make sure to check their policy. If you are not content with the privacy or they don't have an online privacy policy, avoid from them.

b. Take note the main difference among paid surveys sites and get paid sign up offer internet pages. The later oftentimes state they are survey sites, in fact their particular main business is paid offers. They are the places you get paid for registering offers, and often you need to pay or offer credit card data while sign up non no cost offers.

c. Avoid from any websites, paid or free offering known scam or spam, commonly those sites state they have a list of 300+, 400+ or ​​even 500+ paid survey sites, the fact is there are NOT THREE HUNDRED survey sites that pay!) They are just marketing anything at all they can find for commissions, regardless of its scam or spam and can't be trusted.

6. Tips on performing surveys.

a. Be genuine with your personal profile details when join with …

Best Homeowners Insurance Companies: What Perks and Benefits Do They Offer?

There are so many good things about owning a home: you can fix it up and sell it for profit, rent it out to someone else to earn income, or simply live in it yourself and never have to worry about rent. The downside is that there is insurance to consider. There is a variety of coverage options depending on where you live and what kind of house you own. What is it that the best homeowners insurance companies offer?

When shopping around for house insurance quotes, you need to know exactly what needs to be insured and what is included in the policy.

Some of the things you might need insurance for include:

• Protection for the dwelling itself, as well as any other buildings on the property like a storage shed or detached garage.

• Protection for the contents INSIDE the dwellings, like electronics, jewelry, furniture, appliances, etc …

• Protection from any possible hazard that can cause harm to your property and contents, such as fire, flooding, hurricane, mudslides, and so forth.

• Liability insurance in the event that someone gets injured on your property.

If you live in an area that is prone to hazardous weather, it might be a good idea to get insurance to cover additional living expenses should you have to move out and stay some place else while damages are getting repaired.

The best homeowners insurance companies will allow you to view a summary of your coverage and even provide you with a sample of a policy when you sign up, before making your final decision. You should be given the opportunity to edit your coverage and policy settings such as the start date and deductible.

Canceling Your Policy at the Best Homeowners Insurance Companies

You should also be able to cancel your policy at any time. Some companies will even issue you a refund for the remaining period you have paid for.

While some homeowners are inadequately insured, other homeowners make the mistake of paying for more coverage than they actually need. Make sure you get just the right amount of coverage you need by going through a policy section by section to determine whether each type of coverage adequately protects your investment. There is such a thing as "OVER-protecting".

What about other people who live on you property? If it's a roommate or tenant, you will need a different type of policy. If it's blood relatives, however, then the best homeowners insurance policy will automatically cover all of the residents in the household who are related to you by blood, marriage, or adoption.

You can learn more about house insurance by looking into services by Lemonade. It's definitely among the best homeowners insurance companies . Lemonade has a unique "Giveback" policy to its clients, which is one of the many perks of choosing this company for your homeowners insurance.

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Risks in International Business

Just as there are reasons to get into global markets, and benefits from global markets, there are also risks involved in locating companies in certain countries. Each country may have its potentials; It also has its woes that are associated with doing business with major companies. Some of the rogue countries may have all the natural minerals but the risks involved in doing business in those countries exceed the benefits. Some of the risks in international business are:

(1) Strategic Risk
(2) Operational Risk
(3) Political Risk
(4) Country Risk
(5) Technological Risk
(6) Environmental Risk
(7) Economic Risk
(8) Financial Risk
(9) Terrorism Risk

Strategic Risk: The ability of a firm to make a strategic decision in order to respond to the forces that are a source of risk. These forces also impact the competitiveness of a firm. Porter defines them as: threat of new entrants in the industry, threat of substitute goods and services, intensity of competition within the industry, bargaining power of suppliers, and bargaining power of consumers.

Operational Risk: This is caused by the assets and financial capital that aid in the day-to-day business operations. The breakdown of machineries, supply and demand of the resources and products, shortfall of the goods and services, lack of perfect logistic and inventory will lead to inefficiency of production. By controlling costs, unnecessary waste will be reduced, and the process improvement may enhance the lead-time, reduce variance and contribute to efficiency in globalization.

Political Risk: The political actions and instability may make it difficult for companies to operate efficiently in these countries due to negative publicity and impact created by individuals in the top government. A firm cannot effectively operate to its full capacity in order to maximize profit in such an unstable country political turbulence. A new and hostile government may replace the friendly one, and hence expropriate foreign assets.

Country Risk: The culture or the instability of a country may create risks that may make it difficult for multinational companies to operate safely, effectively, and efficiently. Some of the country risks come from the governments' policies, economic conditions, security factors, and political conditions. Solving one of these problems without all of the problems (aggregate) together will not be enough in mitigating the country risk.

Technological Risk: Lack of security in electronic transactions, the cost of developing new technology, and the fact that these new technology may fail, and when all of these are coupled with the outdated existing technology, the result may create a dangerous effect in doing business in the international arena.

Environmental Risk: Air, water, and environmental pollution may affect the health of the citizens, and lead to public outcry of the citizens. These problems may also lead to damaging the reputation of the companies that do business in that area.

Economic Risk: This comes from the inability of a country to meet its financial obligations. The changing of foreign-investment or / and domestic fiscal or monetary policies. The effect of exchange-rate and interest rate make …

The Giant Money Spigot

While the main stream media is so concerned with Trump and the pending impeachment process the Fed meanwhile continues to funnel money to Wall Street to the tune of $ 690 Billion a week. Either the media is in collusion with the Fed to keep this information from reaching the general public or they are too preoccupied with Trump, international affairs and then again they could very well be just too blind to see what is actually happening to the economy.

The New York Fed is currently loaning $ 120 Billion a day to Wall Street Securities trading firms. Before they were just loaning $ 75 Billion a day. But, as of October 24 of this year they have increased it by $ 45 Billion a day. And, will continue to loan these Securities firms that amount every day unless they are forced to stop or the whole US economy collapses.

It is quite interesting to note that these Wall Street Firms are getting these loans being continually being rolled over. So, effectively they are permanent loans. The irony is that this is exactly what happened during the 2007-2010 Financial Crisis. Some Wall Street firms at that time {let's call them what they actually are Wall Street Casinos} received individually over $ 2 trillion in cumulative loans that were rolled over for two and a half years. Today, as it was done in 2007 these loans are without the authorization or even the awareness of Congress or the American public. One bank, Citicorp received over $ 2.5 Trillion in Fed loans at interest rates below 1%. This at the time when it was insolvent and couldn't have obtained loans in the open market.

This latest news from the Fed follows it's October 11th announcement that it is launching a program to buy up $ 60 billion a month in US Treasury bills for the next year and a half. It all comes down to this: what the New York Fed is doing is unprecedented in US history. Still, there is no mention of this on any front page of any newspaper. No Wall Street crisis has been announced to the public, quite the contrary. There has been not one hearing held before Congress to explain these massive loans and Treasury buybacks. Not one elected official has authorized these loans. Today, as it was doing in 2007 the New York Fed is using highly questionable tactics and could be illegal activity when not one officially elected official has even been contacted or authorized these actions by the Fed.

Another major point of concern is the fact that these loans are not being offered to commercial banks which by the way could re-loan the money to stimulate the US economy. In fact these loans are going to the New York Fed's primary dealers which are stock and bond trading houses on Wall Street who by the way count hedge funds among their largest borrowers. Many of the primary dealers are units of …

What Is Boat Builders Insurance?

"What is Boat Builders Insurance?" I was asked at a networking event recently. Well of course the obvious response would be a rather glib "Insurance for people that build boats" but, thankfully, I took a little time to pause before answering as the answer is, perhaps, not quite as straightforward as one might think.

First of all, we have to ask ourselves "What is a boat builder?" This is important because there are a lot of marine businesses who include that activity in their business description but repair boats rather than actually build them. Similarly there are people who build boats but do not describe themselves as boat builders. For example a shipwright may build or repair vessels – these could either be leisure-craft – what we would normally term a boat – or a larger commercial vessel which we would describe as a ship. We can also add to the mix those craftsmen who restore boats rather than build them from scratch as well as those individuals or businesses that will "fit-out" a shell of a vessel, either for their own use or as part of their commercial activities .

So, Boat Builders Insurance is a specific insurance solution that may form part of a larger insurance program for individuals or businesses that conduct one or more of the following activities but may not necessarily describe themselves as a boat builder:

• Manufacture or building of leisure-craft and / or some commercial vessels.
• Restoration of vessels such as classic or historic craft.
• Refitting of leisure-craft.
• Boat fit-out.

Whichever of those activities listed above are being conducted the structure of the Boat Builders Insurance solution is a standard format. It will provide specialized cover for physical damage and for third party liability. Let's have a look at the elements of what the Market terms Builders Risks in turn:

Physical Damage:

Insurance policy wordings will obviously vary from insurer to insurer and should be checked for the precise scope of cover, conditions and exclusions. However, broadly speaking a Boat Builders Insurance Policy will provide "All Risks" cover in respect of physical loss or damage to vessels under construction including hulls and machinery, gear and equipment. It may also, depending on the policy wording, cover any associated molds and molding tools. Other cover provided under the Physical Damage part of the cover may include specialized provision for costs such as:

• Repairing or replacing any defective part that is condemned due to discovery of a latent defect during the boat's construction. Faulty welds, however, would more than likely be excluded.

• The costs of completing the launch of the insured vessel under construction following the failure of a launching operation and the cost of inspecting the bottom of the vessel after a grounding if reasonably incurred specifically for that purpose.

• Loss of or damage to the boat in build due to faulty design of any part or parts of the vessel and the cost of salvage of the …

Importance of Personal Skills in Business Success

Happiness comes from within, but it takes effort on your part to find your happiness. The importance of personal skills in business success involves you 100%. You cannot expect others to pick you up and carry you to success. To find your happiness, you must learn to set goals and learn the importance of personal skills in business success, which all of this involves learning time management, stress management, and develop your critical thinking skills. It also involves making better decisions, which is all a part of business success, since decision making in business is common.

Personal skills involve creating solutions that assist you with reaching your goals. Solutions such as time management, decision-making, and stress management are crucial skills in business success. To accomplish your goals you also have to focus on personal habits, skills, and keep business success in view.

Time management

Time-management is a system that helps you distinguish events, which includes a list of periods with limits during which a process, action, or condition exists. It is your measuring interval tool that allows you to create a solution to managing your time so that you can achieve your goals without wasting time. Time management should include things to do, relax time, family time, chores, homework, and so forth. Time management is important and it should become an importance of personal skills in business success plans. Set up a good working time management plan for you that allow you to use your time wisely. Use your intuitions.

Measuring time should be considered thoroughly when you setup your time management scheme. You may want to work on your decision-making skills before you setup a time management scheme so that you can see more clearly where your time should be spent. Time should be used as an ally. When you use time as an ally you prepare for dilemmas that set you back. Thus, time management schemes should include disasters and plans that cover you in the event that disaster occurs. When problems develop, there are times you must put your decisions on hold, wait it out, and do nothing until the situation changes; making a clear decision in these instances can help you make better choices and find other solutions for unforeseen occurrences that you have no control of. Thus, change what you can and leave the things you can't change to fate.
Stress management

When you learn the importance of personal skills in business success, and act in harmony with your intuitions, thinking, etc, setting up a stress management scheme becomes easier. In fact, when you setup a time management scheme, stress management will follow, since you have taking off some weight by clearing your schedule so that you find time for you while achieving your goals. Stress management involves dealing with stress including the physical and psychological aspects of you. Stress management enables you to cope with common stress and anxiety. Stress management also helps you to focus on personal habits and skills. Your mind will …