by John Darer® CLU ChFC MSSC RSP CLTC
The doyens of structured settlement social media roadkill, Einstein Structured Settlements, published a page from a website called scamadviser.com about this blog and then made some aggressive statements that intentionally misrepresented what they saw on scamadviser and which they knew to be untrue when they published them on Einstein, legally actionable statements about our business which they willfully and intentionally falsely attributed to the aforementioned site.
The joke is on Einstein Structured Settlements, which is associated with JRR Funding, Richart Ruddie and his poker playing side kick, Ryan Blank Owings Mills MD high school buddies whose business among other things develops and runs several websites that are held out as "companies".
We contacted scamadviser and upon further review, with our making no changes to the site, they determined that our blog, Structured Settlements 4Real® in fact has a high trust rating, IS safe to use. In fact our rating is better than Einstein Structured Settlements' scam adviser rating at time of publication. How about that?
Download Structured Settlements 4Real High Trust Rating Safe to use 1-19-2015
Download Einstein Structured Settlements Scam-adv results 1-19-2015
It's surprising that Einstein would even cite scamadviser, which is not even a review site, when they have published that the only review site they trust is Yelp.
Yelp is also not a primary source for information about companies in the structured settlement industry.
For the structured settlement industry the following apply:
- Years in business (get an idea of the professional experience of the company AND the individual you are dealing with.
- State insurance department/department of financial services website (to see if licensed in your state )
- Secretary of State (to see if registered to do business in your state)
- Life insurance companies that issue structured settlement annuities (call them to see if individual is appointed or if they know them)
- Industry trade association
- A.M.Best
- Local law journal annual reader's survey.
- Quality of what the material that the company or individual has published.
- Trademarks and service marks (Applications must go through and be vetted by the United States Patent and Trademark office, which will verify identity of the owner). It's usually a 6 month process. Check USPTO.gov, for a free trademark search
Einstein made a big deal about a website "based" in Costa Rica when theirs is too. Typepad which is a blogging platform of San Francisco's Say Media that they,we, Patrick Hindert and others use, has some servers in Costa Rica through Cloudflare. Typepad is one of the largest blogging platforms in the world. Say Media which is US based charges an annual subscription fee to use its blogging platform.
Einstein Structured Settlements and those that run it continue to demonstrate why they have no credibility as buyers of structured settlements. As was posted the other day, where are the records of their names on any legal records for structured settlement transfer?
After intentional deception from the start of Einstein Structured Settlements with Ryan's fake academic credentials (attempting to pass him off as a graduate of Yale) and the misleading undisclosed paid video reviews, Einstein has serious hard to recover from credibilty problems. Who cares about their reviews?
Postscript 1-23-2015
Titters from the industry sheepdogs and proven false advertisers in their "official blog" followed by 1 at time of posting They continue to make wilfully false claims about scamadviser. Frankly all I did to improve our rating was to show them our blog is owned by someone in the USA. Our rating is better than the sheepdogs. In my review I found some other domains we own had information from 2012, before we even owned them. It shows that you must check the refresh date and the whois records when reviewing scamadviser records. Those too were updated and refreshed. The scamadviser people were responsive and professional in handling my inquiries.
The Einstein folks are well aware of that. Dredging up 2013 purported Google Chrome notice is hilarious. Einstein continued to display and make false malware claims even after the truth was pointed out to them a few days after their July 2013 posting and I had my lawyers contact them for a cease and desist. Richart Ruddie responded to the cease and desist, claiming he was named "Mr Manilo" in his conversations with the lawyers and the company was based in the Phillipines. Ruddie "appeared" on behalf of Ryan Blank (Ryan Einstein) after the cease and desist notice was delivered to Ryan's home by FEDEX and signed for by Ana Pens, then Ryan Blank's fiance (now his wife). We've recently shown that these two are part of JRR Funding and that JRR Funding is a subset of the Einstein SS website. These guys can't be doing very well in structured settlement business because they do not show up on any transfer records despite their BS claims of industry leadership and they resort to such underhanded business methods.
Einstein actually wanted me to write for them and I rejected their advances because of the unprofessional manner in which they entered the industry which I clearly outlined to them in writing and published here in 2013. Boy did I dodge a bullet!