Structured Settlements 4Real®Blog 2026

Structured settlements expert John Darer reviews the latest structured settlements and settlement planning information and news, and provides expert opinion and highly regarded commentary. that is spicy, Informative, irreverent and effective for over 20 years.

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The STRUCTURED SETTLEMENTS 4REAL® Blog is a highly regarded source for structured settlement news, information, and commentary, led by structured settlement and settlement planning subect mater expert John Darer CLU ChFC MSSC CeFT RSP CLTC. With two decades of operation, the blog and 4structures.com are recognized as comprehensive resources, offering detailed guides and specialized insights. Established in 2005, the blog caters to a broad audience, including legal professionals, injured individuals, families, and various stakeholders, providing reviews and opinions on settlement planning. John Darer, President of 4structures.com LLC, is a seasoned structured settlement expert with over 40 years of financial services experience and 31 years specializing in structured settlements. Based in Stamford, CT, he is a Certified Financial Transitionist and Registered Settlement Planner, holding insurance licenses in 45 states and the District of Columbia. John Darer is dedicated to transparency and advocacy, he emphasizes the importance of engaging trained and licensed professionals for settlement planning, offering valuable insights through his investigative journalism and professional commentary.

David Johnston of Mead Washington is a Heartless Spammer

Being a spammer is bad enough but greedy David Johnston picked the wrong post to try and eke out a few more shekels for his pay day loan business "The Personal Money Store".

David Johnston, the heartless spammer , of 14618 B. Chattanooga Lane Mead , WA 99021, tried to "scent mark" a post I wrote in August about the tragic death of a 3 year old Brooklyn girl in a sailing accident. Fortunately spam repellent was the order of the day.

To other cold and heartless wannabe spammers, like David Johnston (1) you will get an automatic rejection and not the link that you want (2) you are guaranteed to get flamed and (3) your name will be posted in our new "Spammer Rogues Gallery" . Basically you will net negative for your efforts. Think about it!

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