Understanding LifeVantage: Can You Really Make Money With LifeVantage?

Founded in 2003, LifeVantage is a multi-level marketing company offering products related to the health and beauty industry. Additionally, they offer a business or income opportunity for those interested in making money marketing their business or their products. What are some of their products and what are the details of their business opportunity as well as what is the cost to get yourself started immediately are all questions that will be answered within this review.

The Thing:

  1. Axio – This dietary supplement comes in two different forms Regular and Decaf and is designed to provide enhanced energy, sharper focus, and reduce stress.
  2. TrueScience – This is more of a category for around 8 items they offer such as their Eye Corrector Serum, Anti-Aging Cream, Perfecting Lotion, and many more. However, the basic purpose of all these products is to provide skin-care, reverse the aging process, and clean the skin without stripping natural oils as well as many other benefits.
  3. Protandim NRF2 – A dietary supplements coming with 30 caplets designed to reduce cellular stress levels by up to 40% on average, help regulate survival genes, and provide protein to the body.

The Opportunity:

The question still remains; Can you really make money with LifeVantage's business or income opportunity? In order to answer this question we will have to take a look into their compensation plan! Most companies in this industry offer several payouts and differentiate between ranks or levels. However, this is just going to be a brief understanding of how the company pays their members.

  1. Fast Start Bonus – Simply put, you can earn up to 40% commission from personal purchases from members you personally enroll into your business during the first calendar month.
  2. Royalty Commission – This payout is residual which is always a good sign if you're considering joining this company. You are able to earn up to 43% every month on your sold volume depending on your first 9 levels of your organization. All that simply means is that it's up to 43%. If you are on the first level you probably won't achieve the full percentage, however, you will still be getting paid that residual income.
  3. Elite Pool – I've been in this industry for quite some time now and anytime I see a company offering an elite pool payout, I get very excited. This payout is where serious income level truly comes in. However, it is difficult to achieve the qualifications to be eligible for this payout if you don't know what you are doing in terms of business growth. This payout is paid monthly and is 1% of the entire company commission-able volume. If you understand how much companies in this industry earn each month and year, you will see why that 1% is something to work for endlessly. It is a huge payout!

To Conclude, Yes, You Can Make Money With LifeVantage's Business Opportunity!

The Cost:

In order to get started with LifeVantage, you will need to purchase some type of start-up …

Understanding the Auto Insurance Claims Process

If you own a car, truck, motorcycle or any other vehicle, you know you need related insurance. All is good as long as you pay your monthly premium and do not make a claim.

Then you are involved in an accident. What then?

For many auto insurance policyholders, the auto insurance claim process is very, very complicated. Here, we bring you the basics of understanding with the following oft-repeated questions.

How long does it generally take to process an auto insurance claim?

A: If the insurance company has all the facts, a settlement should be achieved fairly quickly. By providing much of the details involved in the collision, the policyholder him or herself will help get the process off the ground. Any insurance company worth its reputation will do its utmost to process the claim as efficiently as possible.

Why is the estimated cost of repairs less than the actual payment check?

A: This is because the auto policyholder must first pay out-of-pocket for the deductible. Only after this, is the remaining balance given through a check.

What is the reason for the auto lien holder to be placed on the insurance payment check?

A: Many states make this a requirement for the simple reason that the lien holder has an insurable interest in the repair work done on the vehicle. In order for the policyholder to get the funding for the repair, he or she must be in touch with the lien holder.

What is the meaning of Direction of Payment?

A: Most auto repair shops require you to sign a Direction of Payment form so that they have documented evidence that the insurance company has permission to pay them for the repair work they complete.

What is common practice of insurance companies in regard to rental cars during the time the insured car is in the shop for repairs?

A: Most times, an insurance company will supply a rental car if the insured car is inoperable and in for repairs.

What about towing costs?

A: Generally speaking, towing is a covered service provided by the auto insurance company following an accident.

What is the procedure if the insured incurs injury during an auto accident?

A: The policyholder should be in touch with the insurance company if he or she is injured. The claims person will inform the policyholder about the related medical care and treatments that are covered under the policy.

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Understanding Your Homeowners Insurance Policy

Homeowners insurance is a policy that protects homeowners from financial liability resulting from damage caused to or on their property. There are several types of insurance policies with different options that protect owners from risk.

Insurance policies cover many risks such as: (1) lightning, (2) theft, (3) vandalism, and (4) falling objects in storms. Other potential issues such as: (1) explosions, (2) civil unrest, (3) falling objects, (3) vehicles, (4) smoke damage, (5) weight of ice snow or sleet, (6) freezing, ( 7) heating and air-conditioning (8) fire protection systems, (9) appliances, (10) fences, and (11) other dwellings, may be covered under your insurance policy. Standard insurance policies also cover damage from snow and damage to electrical and plumbing systems. Most insurance policies provide a $ 100,000 per person / $ 300,000 total per incident liability coverage. There are some surprising items covered under a standard homeowners insurance policy which include other household members' property, such as a children (s) property. For instance, if you have a child in college who lives on campus their personal possessions would be covered under their parent (s) 'insurance policy.

There are three different levels of homeowners insurance that can be purchased. The different levels of insurance include: (1) on actual cash value, (2) replacement costs, and (3) guaranteed replacement costs. The actual cash value coverage provides owners with payments to replace homes or covered belongings at their current depreciated value. Whereas, replacement coverage pays for the cost of fixing or replacing possessions, and guaranteed replacement coverage pays for the complete rebuilding of the house (no matter the cost). There is also extended coverage which pays for up to a percentage of the policies covered limit.

The benefits of purchasing homeowners insurance include transferring financial risk from the homeowner to the insurance company. Homeowners insurance will also pay the medical expenses of third parties who are injured on your property. Homeowners insurance can be expensive, but there are ways to reduce the cost. The first and easiest way to reduce your annual expense is to increase your deductible; You can also reduce the annual cost of your insurance by installing a security system. It should also be noted that non-smokers on average pay less for homeowners insurance than smokers.

There are many things that standard insurance policies do not cover; These include damage caused by floods, earthquakes, and hurricanes. Although, these uncovered risks could be covered under a different insurance policy. Also, it is highly suggested for homeowners to add sewer backup as a protection endorsement. This endorsement is relatively inexpensive and would cover sewer backup into a home which would cover damage to floors, walls, furniture, and electrical systems. In addition to homeowners insurance covering your dwelling, it also covers other buildings on the property, landscaping, damage or loss to your personal property, and belongings. Your policy should also cover any temporary living expenses you may have if you or your home is damaged, in addition to covering anyone else injured on your …

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

Top Rated Money Market Accounts: Understanding How MMAs Work and Which Bank to Choose From

A “money market account”, or MMA, is a low-risk savings solution offered by credit unions and banks. Unlike with personal savings accounts, banks can actually invest the money from MMAs in other places such as bonds and CDs. The places they invest in are very low-risk, making the investment from the customers purchasing the MMA very low-risk itself. Investing in the top rated money market accounts is worthwhile since you will receive a better interest rate than you typically would with a savings account.

People open such an account for a variety of reasons, with the most common being because they wish to build an emergency fund. It’s a good choice for those who want low-risk savings and only need moderate access to their cash. The minimum requirement to open the account can be as low as $100, depending on the bank. Online banks can offer more flexibility than a traditional bank. With the top rated money market accounts, the customer will benefit from the bank’s high interest rates. Look for a high yield deposit account with a reasonable minimum deposit.

It’s important not to mix up money market accounts with money market funds. The latter is a type of investment with a fluctuating rate of return and is not FDIC-insured. An MMA, on the other hand, DOES have FDIC protection. An MMA also has its pros compared to a CD or other long-term investment, as it allows withdrawals, although there is usually a limit of how many pre-authorized withdrawals and transfers per statement cycle.

Top Rated Money Market Accounts Fees

Do research on various online banks to see what kinds of fees are associated with MMA accounts. The best banks are the ones that do not charge any fees for opening an account or for monthly services.

An MMA account is a great way to get started with investing. You won’t have to worry about managing the daily moves. The bank will take care of everything for you – all you have to do is sit back and let the money grow. The returns probably won’t be as high as if you were successfully investing on your own, but if you don’t have much experience with investing anyway, this is a better option, as it is safe and secure. Money market accounts still offer better interest rates than regular savings accounts.

Where can you find the top rated money market accounts? It’s recommended that you start with CIT Bank. This online bank only has a minimum deposit requirement of $100 and charges no fees. There is an annual percentage yield of 1.85% for all accounts.

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A Personal Trainer’s Certification – Understanding the Alphabet Soup After the Trainer’s Name

Virtually every Personal Trainer will have a series of letters after their name indicating some, if not all, of the fitness certifications they hold. Often it will be CPT, meaning Certified Personal Trainer. The organization that bestows the title is more important than the letters CPT. This article will give you an idea what to look for AND what to look out for in a Personal Trainer’s certification. Armed with this information, you will have a much better opportunity to hire the right Personal Trainer for YOUR needs.

Currently there are currently only seven organizations in the exercise industry that meet the stringent requirements of the National Commission for Certifying Agencies (NCCA). The American College of Sports Medicine, the American Council on Exercise, The Cooper Institute, the National Academy of Sports Medicine, the National Council on Strength and Exercise, the National Federation of Professional Trainers, and the National Strength and Conditioning Association.

Holding a certification from one of these organizations does not mean you’ve found a Great Personal Trainer. It means that individual meets one of the criteria for being a Great Personal Trainer (see my article on The Five Traits of a Great Personal Trainer) and may possibly be the person to help you get in the best shape of your life. Getting in the best shape of your life does not include limitations for age or your current physical condition. Unless you are afflicted with an ailment that precludes exercise, a Great Personal Trainer can help you get in the best shape of your entire life, as safely, painlessly, and expediently as possible, regardless of age or current physical conditioning. That is the Personal Trainer we are seeking!

A certification from one of the above organizations means the Personal Trainer has met a strict and thorough process to become a Certified Personal Trainer. They have an understanding of anatomy and physiology, which exercises work various muscle groups, a basic understanding of designing an exercise program for a variety of clients with differing physical abilities, and the knowledge to implement those programs. Importantly, the organizations also require CPR certification and continuing education to maintain certification. CPR certification is important for obvious reasons…and not just in an exercise setting. If you are not CPR certified, consider doing it. You will learn how to potentially save a life with a few hours training.

The continuing education requirement for Personal Trainer certification is vital because exercise science is a dynamic discipline. Ongoing research studies by non-biased entities, such as universities and hospitals, provide constant information updates on our understanding of how exercise affects the human body. This promotes more effective program design and more efficient results for the client. In other words, by staying informed about updates in exercise science your Personal Trainer can continue to help you achieve peak performance, improving your fitness level as proficiently as possible!

There are too many “Certified Personal Trainer” programs to list that do not meet the standards of the National Commission for Certifying Agencies. …