Click on a Question
1. Who is Centricity, Inc., and what is their relationship to John Cummuta?
2. What do I get with the Transforming Debt into Wealth® Seminar Leader Package?
3. How much does it cost to be licensed as a Transforming Debt into Wealth® Professional?
4. What other expenses are involved in doing this business?
5.How do I get certified to conduct Transforming Debt into Wealth® Seminars and Consultations?
6.Why would people need a Transforming Debt into Wealth® Consultation?
7.Can I conduct seminars before I get certified?
8.Is there a money-back guarantee with this program?
9.Why is there a annual license and what does that license give me?
10.Are any live traning programs offered?
11.How do I make money as a Transforming Debt into Wealth® Seminar Leader?
12.Do I have to inventory products to sell at my seminars?
13.Can I have products drop-shipped directly to my customers?
14.What are the approximate profit margins on reselling your Transforming Debt into Wealth® products?
15.How much money can I make, and how long will it reasonably take to make money in this seminar business?
16.How much do Transforming Debt into Wealth® Seminar Leader's normally charge for their seminars?
17.How much do Transforming Debt into Wealth® Consultants normally charge for their sevices?
18.Do you have protected territories or am I free to go wherever I choose?
19.Will I be charged any other fees by the company?
20.Am I allowed to use any of the Transforming Debt into Wealth® seminar materials without being licensed?
21.Am I responsible for my own marketing or do you provide leads for seminar opportunities?
22.Can I sell other non-Transforming Debt into Wealth® products and services with this seminar?
23.What type of training support do you provide?
24.Ok, I'm ready to get started, what do I do next?
25.I still have more questions, who should I contact?
------------------------------------------------------------------------------------------------------------------------------------------------------------------
Who is Centricity, Inc., and what is their relationship to John Cummuta?
John Cummuta is the author of both the Transforming Debt Into Wealth® and Debt-FREE & Prosperous Living® products and seminars. Centricity is the publishing and business consulting company with exclusive rights to John Cummuta’s Transforming Debt Into Wealth® seminar and consultant business programs. Tony Manganiello is now the President/CEO of Centricity, Inc.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
What do I get with the Transforming Debt into Wealth® Professional Package?
You will be licensed by Centricity, Inc. and John Cummuta to conduct the Transforming Debt into Wealth® seminars and consultations and receive all the presentation and marketing materials you'll need to get started as a TDIW seminar instructor and consultant.
This includes:
•  Transforming Debt into Wealth® professional license. This license extends you the non-exclusive right and authority to use the trademarked terms and intellectual property offered by Centricity, Inc.
•  Professionally produced PowerPoint® presentations of the Transforming Debt into Wealth® seminars and consultations
•  Seminar Leader certification training - 9 audio sessions and training manual available online
•  Consultant certification training - 9 audio sessions and training manual available online
•  Our proprietary DebtFree™ for Windows® software
•   A FREE subscription to the www.debtfree.com website
•   Instructional DVD of John Cummuta doing a live seminar
•   Audios of John teaching his Transforming Debt into Wealth® system
•   Audios teaching you how to set up and build your business
•   Samples of products you can sell at your seminars and consultations
•   A weekly training/Q&A conference call with headquarters
•   Training resources available to you 24/7 on the web
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
How much does it cost to be licensed as a Transforming Debt into Wealth® Seminar Leader and Consultant ?
The total first year cost for the Transforming Debt into Wealth® Seminar Leader and Consultant program is $1,120.00. This breaks down to $295 for all the online (digital) start-up materials, then $75 per month after that for the licensing as long as you remain active.
To order, click here.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
What other expenses are involved in doing this business ?
In addition to the Transforming Debt into Wealth® Professional license, and normal business start-up expenses, you would need to have a laptop computer with Microsoft® PowerPoint® (or compatible software) installed, along with a digital projector to show the TDIW seminar slides.

If you don’t have these items already, you should be able to purchase an adequate computer and projector for around $2,000 to $2,500 combined.

You should also purchase a small inventory of Transforming Debt into Wealth® products to have them available for purchase at your first seminar or your first consultation.

And you should plan a budget for marketing your seminar business. It doesn't have to be a lot, but it won't be free. These issues are dealt with in detail at the training.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
How do I get certified as a Transforming Debt into Wealth® Seminar Leader and Consultant ?
There is an "open-book" certification exam that you must pass, based on the home study training manuals and audio CD's along with the Transforming Debt into Wealth® Seminar Manual (all included in the online download center). So all you have to do is study the training materials, take the exam, and send it in to us.

You will be certified and sent a certificate upon completing the exam, sending it to us, and getting a passing grade.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
Why would people need a Transforming Debt into Wealth® consultation?
Many families today are finding themselves "overloaded" with debt and they are looking for real answers from professionals they can trust. Non-profit credit counseling organizations only focus on credit card and unsecured debt and they typically don't deal with the real problems or provide permanent solutions to credit spending. Some loan consolidators and mortgage companies are advertising today that they can get people "completely out of debt" when they are only focusing on lowering monthly payments and interest rates with various mortgage products and trading unsecured debt (credit cards) for more secured (mortgage, home equity loans) debt.

Furthermore, consolidation loans or consolidating debt payments, by themselves, do NOTHING to solve the consumer's real problem - addictive credit spending. In fact, statistics show that many consumers who consolidate eventually wind up in worse shape months down the road. Having used the funds to pay balances on high interest loan obligations, these consumers fall back into old habits and charge up their credit cards all over again. Loan consolidation offers only a short-term and temporary benefit that oftentimes results in a long-term grief. The consumer needs to be educated and provided with support in order to solve their credit problems once and for all. And you will be able to blow away your competition by offering them a real solution to their debt problem - TOTAL DEBT ELIMINATION!
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
Can I conduct seminars or consultations before I get certified?
No. You must be certified before conducting Transforming Debt into Wealth® seminars and consultations. But the good news is, you can do this from the comfort of your home or office! You will receive audio sessions from a Seminar Leader training and Consultant training, as well as a DVD of John doing the Transforming Debt into Wealth® seminar and the TDIW Seminar Manual in your package, along with your open-book certification exam.

Upon studying the training materials, taking and passing the certification exam,you will be authorized to conduct Transforming Debt into Wealth® Seminars and Consultations. Typically, you can easily meet these requirements within the timeframe it normally takes to get your first seminars scheduled.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
Is there a money-back guarantee with this program?
There is a 30-day money-back refund policy with the Transforming Debt into Wealth® Professional program. You would need to return all materials to us before the refund will be issued.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
Why is there an on-going license free and what does that license give me?
John Cummuta is the international trademark owner of Transforming Debt into Wealth®, and he retains ownership and rights to all Transforming Debt into Wealth® seminar and consultation materials and presentations of his methods and concepts so, being licensed, you gain permission to use the Transforming Debt into Wealth® trademarked title and conduct seminars under the same name.

This is to your benefit since you will be able to take advantage of the broad exposure John Cummuta is getting worldwide with this best-selling product. John's Transforming Debt into Wealth® system is being advertised on both national and local radio across America, including all the networks and most popular national talk and sports shows.

Remaining an active licensee also gives you access to our ongoing support and resources designed to help you become successful at this business.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
Are any live training programs offered?
We have periodic advanced training conferences with our seasoned Seminar Leaders and Consultants who will share tips and techniques on how to successfully build your business. When these events are scheduled, you’ll be notified via email.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
How do I make money as a Transforming Debt into Wealth® Seminar Leader®
It is possible to make money several different ways as a Transforming Debt into Wealth® Seminar Leader and Consultant.
•First, you can charge tuition for your public seminar classes or fees for sponsored seminars with adult continuing education, associations, organizations, corporations, and churches.
•Second, you can make money reselling the Transforming Debt into Wealth® products both during and after the seminar.
•You can also charge a fee for follow-up consultations with your seminar attendees.
The training material you receive as part of your TDIW Professional License goes into great detail on this very important topic. Don’t forget, you have 30 days to review the information - and your satisfaction is guaranteed.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
Do I have to inventory products to sell at my seminars?
You will need to buy the necessary materials in advance for your seminars and consultations. However, we will teach you how to do this for maximum profitability.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
Can I have products drop-shipped directly to my customers?
We do not drop-ship products to individual customers but we can ship seminar products directly to your seminar venue (must be a place of business or church with a UPS shipping address).
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
What are the approximate profit margins on reselling your Transforming Debt into Wealth® products?
You will usually make 50% to 70% gross profit on the Transforming Debt into Wealth® Seminar Manual (required for every attendee), depending on how many books you purchase. Your gross profit margin is usually around 50% on all other Transforming Debt into Wealth® products.
The actual profit margin is dependent on the particular product and the volume of your purchase, and whether it is a Debt-FREE & Prosperous Living, Inc. published product or it is obtained from another publisher.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
How much money can I make, and how long will it reasonably take to make money in this seminar business?
As you might expect, this largely depends on several factors:
• How aggressively and persistently you work on your business
• Your business goals
• Your previous experience
• Your current sphere of influence
• How much marketing capital you have to spend
• The particular venues you choose to pursue
You can build this business on a shoestring budget, but just realize that it will take longer.
Most business start-ups can take months, even years, to become profitable. With the Transforming Debt into Wealth® Seminar business, you can reasonably expect that the process of marketing and booking seminars will take six months to a year to build into a substantial business. But you can begin making money right away with your current contacts, spheres of influence (business, churches, etc.), and by selling the Transforming Debt into Wealth® products.
Most people start out conducting smaller seminars with people and organizations they know, to get practice and make seed money.
In addition, each seminar venue will vary in income potential. You can reasonably expect to earn anywhere from $300 to $3,000 per seminar, depending on all these factors.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
How much do Transforming Debt into Wealth® Seminar Leader's normally charge for their seminars?
The average seminar fee ranges from $79 and $129 per person or couple. This fee includes the Transforming Debt into Wealth® Seminar Manual, which is required for each individual or couple attending seminar.
Another option is to have a corporation, association, community organization, or church sponsor the seminar. You can charge the organization a flat fee, based on a maximum number of attendees, and then a per person fee for additional attendees. The fee should include the cost of the Transforming Debt into Wealth® Seminar Training Manual for each attendee.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
How much do Transforming Debt into Wealth® Consultants normally charge for their seminars?
Fees that consultants typically charge for Transforming Debt into Wealth® personal consultations (one or two visits, 2-4 hours with a client) typically range anywhere from $200 to $500. We will also train you how to offer an even higher level of support as a Transforming Debt into Wealth® Coach. These coaching services are much more extensive, usually involving three of four visits, lasting several months. Because of this, fees often range from $895 to $1,495 per client.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
Do you have protected territories or am I free to go wherever I choose?
No, there are no protected territories, so you can market your seminars anywhere you choose.
We have found that with the hundreds of thousands of adult education programs and other organizations seeking speakers and seminar leaders for their meetings, as well as churches and the opportunity for public seminars you sponsor yourself, there is no chance of seminar leaders stepping on each other's opportunities.
There is really no need for territories.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
Will I be charged any other fees by the company?
No. The only fee we will charge is the monthly licensing fee to be certified as a seminar leader and consultant. You will not be charged any other royalties or fees. Of course, you will purchase any necessary Transforming Debt into Wealth® seminar and consultation products from us at wholesale for resale to your customers, and purchase any marketing brochures needed to promote your business. But when you buy the seminar and consultation products from us and resell them, you keep all the profit!
back to Top


------------------------------------------------------------------------------------------------------------------------------------------------------------------
Am I allowed to use any of the Transforming Debt into Wealth® seminar materials without being licensed?
You cannot present the Transforming Debt into Wealth® seminar materials or use the Transforming Debt Into Wealth® brand name without being licensed. It would be a violation of federal copyright and trademark laws.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
Am I responsible for my own marketing or do you provide leads for seminar opportunities?
You are responsible to generate your own seminar business and leads, but we will train you how to do this and help you whenever we can.
However, if you are certified, and we are contacted by someone to conduct a Transforming Debt into Wealth® seminar that happens to be in your area, we may send that contact to you! You can also be listed, along with your seminar schedule, on our www.debtfree.com web site, which may result in some traffic coming your way!
(Note: There may be additional requirements for our office to refer seminar leads to you, to ensure the quality of presentation).
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
Can I sell other non-Transforming Debt into Wealth® products and services with this seminar?
You cannot offer any non-Transforming Debt into Wealth® products or services during your seminar.
However, you can follow-up with your attendees and offer your other products or services, provided that the products or services do not violate the Transforming Debt into Wealth® Seminar Leader licensing agreement.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
What type of training support do you provide?
In addition to the home-study training materials that come as a part of your licensing package, we also provide weekly conference training calls with seasoned veterans, where we share business ideas that work and answer questions.
There are also additional web resources to help you build your seminar business, including an archive of our recent training calls and other pertinent articles and resources to help you succeed.
In addition to all this, we also periodically conduct advanced training conferences in hotel locations to help you hone your skills.
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
Okay, I’m ready to get started, what do I do next?
You can either call us toll-free at 1.888.570.6010 between 8:00 a.m. and 4:30 p.m. Central time; or to order online here:
Order online, click here
back to Top

------------------------------------------------------------------------------------------------------------------------------------------------------------------
I still have more questions, who should I contact?
Please contact Mel Wild, Transforming Debt into Wealth® Seminar Leader Administrator, at team@tdiwpro.com and he will happy to answer your additional questions!
back to Top