Why David Giertz Wants More Financial Advisors To Talk About Social Security

Social Security is one of the most complex subjects in the world of personal finance. How difficult? Well, most financial advisors don’t even know how to talk about the subject to their clients. Now, financial expert David Giertz offers some valuable tips for financial advisors on how to talk to their clients about Social Security.

In a recent video interview from The Wall Street Journal, Mr. Giertz said that most advisors don’t talk to their clients about Social Security. And in a survey conducted by Nationwide Financial, four out of five clients said that they would fire their advisor if they didn’t speak to them about Social Security.

Mr. Giertz said that most advisors don’t talk to their clients about Social Security because of the complexity of the subject. Currently, there are over 2,700 rules governing Social Security. However, Mr. Giertz assets that up to 40% of a retiree’s income can come from Social Security.

Mr. David Giertz suggests that financial advisors should warn their clients from taking Social Security early. That is because the early payout option could cost retirees up to $300,000 over the course of 25 years. That works out to about $12,000 a year in lost income.

David Giertz is the President for Nationwide Financial’s Sales and Distribution. With a career spanning over 3 decades, Mr. Giertz has helped thousands of people plan their financial future. Mr. Giertz is a registered broker and licensed to engage in security transactions.

Educated at Milken University with a Bachelor of Science, Mr. Giertz later obtained his Masters in Business Administration from the University of Miami. After graduation from Miami University, Mr. Giertz was hired by Citigroup as a Financial Services Advisor. Among the certifications obtained by Mr. Giertz includes passing the Series 7, 63, 24 and 53 exams.

ClassDojo taking over tech-ed

ClassDojo has a mission to enable the three groups that are eminent in a schooling system to create what they can deem as ideal classrooms. An ideal classroom is an environment where a student feels at ease with both the teachers and even their parents. It is an environment where the children are able to study and learn smoothly without any tensions towards a teacher or parent. ClassDojo was started by Sam Chaudhary and Liam seven years ago and has its base of operations in San Francisco. This is an application whose goal is to allow students to acquire important life skills and let parents get the experience of what their children go through in school during a day through the sharing of school activities through videos and photos. Conversations are even available.

The app has raised a large amount of money to support the connection between teachers and the parents of their students. This has really helped because teachers are able to inform parents of how their children are doing in school, their behaviors and even progress. Child development is very important to every parent, and a chance to understand the experience of that child is seized by this app and presented to the parents.

ClassDojo is well different from systems that have not embraced it, which only discuss school issues once in a while and end up surprising parents. However, ClassDojo enables teachers to raise issues that face their students there and then. If incidents occur during a school day, parents get to know, and if their attention is required, then they are informed instantly. This promotes responsibility and accountability greatly.

The great men who started ClassDojo use the finances they have acquired to ensure that the team that works with them grows every day and becomes bigger and better. They are also trying to make improvements by finding out the things that should be added and those that are not necessary. There are features that could benefit parents both when the children are in school and also when they go home. Sam Chaudhary and Liam try to find better ways to make ClassDojo more efficient and reliable.

 

 

How Bob Reina Went From Policeman To International Businessman

How you come up with an idea to build a company around can be formed through committees and “thought groups” and other formalities although those usually end up as dry and drab failures. It can also come about because you come across a problem in your life that you want to solve and after casting about you find out that nobody has addressed the issue. Such was the case for Bob Reina when he just wanted to send an email to a family member that played video right in the email without them needing to click on links and go to separate websites for something that ought to be much easier.

Bob Reina, than a police officer at the time in 2004, took this idea further when he thought that businesses could really market their products and services a lot more efficiently and effectively by sending emails that just delivered the video they wanted their customers, or prospective customers, to view so that they could be better informed about it. His solution was Video Email, an app that nowadays can be accessed on all types of devices including smartphones, tablets, laptops, and desktop computers.

Since that time Video Email has been a very successful computer application that has been used by many businesses, small to large, that send these emails out to people who are interested in the company’s products and services. Because Bob Reina developed a lot of experience in direct marketing he put his company selling Video Email, Talk Fusion, in the direct marketing industry. His company’s products are sold internationally by people who make money when they successfully show a business owner and/or his marketing department how the products of Talk Fusion can help them achieve greater profits. Learn more: http://inspirery.com/bob-reina/

Bob Reina says that throughout his career he has never sold anything that in his heart he didn’t actually believe in. He expects the same of the independent contractors delivering his company’s products which is why he makes sure his company delivers the highest-quality tools in the marketing industry. He also does everything he can to help this company’s global network of independent contractors succeed because their success is his own success, both philosophically and monetarily. It’s only by working together as a team that they can meet the needs of their customers.

Several years ago Bob Reina’s company expanded well beyond the borders of the United States. Their products are sold in nations around the world and its most recent push is in India, a nation of ample opportunities. India is important enough that Bob Reina recently opened up an office there that serves as both a national headquarters as well as a place to train people who want to sell Talk Fusion products.

Jed McCaleb Developing the Right Resources

Jed McCaleb is a successful programmer who created peer to peer technologies, eDonkey, Overnet and the bitcoin exchange. Jed is Co-Founder and CTO Founder of Stellar Development Foundation since 2014 also known as stellar.org.

Jed is also an Advisor for the Machine Intelligence Research Institute since 2015. MIRI Institute researches artificial intelligence for explicit impact. Jed McCaleb is a professional technology whizz.

Stellar Development Foundation

The Stellar Development Foundation is a nonprofit organization located in San Francisco, California. The business platform is financial access source that is designed to be user-friendly and accessible to everyone at stellar.org.

Jed McCaleb Stellar.Org

Stellar provides low-cost financial services to move money electronically at a low cost. The Stellar financial platform connects banks, payment systems and people to people revenue transfers for a fraction of a penny. Stellar employees are financial professionals using only the top technology for their financial services.

The Stellar overall mission for their low-cost financial services is to fight poverty and enhance individualize potential. One will find the stellar financial platform quick, reliable and affordable. Jed McCaleb believes in technology that can reduce inefficiency. Jed’s technical development with the stellar financial services platform form was aimed to increase participation in modern technology services with simplification.

Jed McCaleb involvement with bitcoin exchange is what gave him the idea for the Stellar services to move the value of bitcoins from one person to another. The financial currency services are affordable for everyone so this was a great advantage for the business.

Jed also realized with the development of Stellar that there are some people who do not have access to a bank account and unable to send loved one’s money without paying high fees, along with not having a safe secure place like a traditional bank to save money for those unexpected emergencies.

Stellar.org services resolve ones financial banking matters with low cost for anyone’s use with or without a bank account. Stellar was designed with the future in mind. Below are a few services provided by Stellar.org

  • Remittances
  • Micro-Payments
  • Mobile Branches
  • Mobile Money
  • Services for the Under Banked

Jed McCaleb thought on Resources and Technology

Jed McCaleb is an opened minded enthusiastic thinker. Jeb works diligently towards providing resources of the foundations of financial systems so it can be accessible not only to some but to everyone.

Jed’s spends a lot of time thinking about technologies and how it can be improved and how the technology improvements can be used to improve the world. Jed McCaleb resides in San Francisco, CA developing the right resources with the ongoing advancements of modern technologies.

The Business Origins of Joel Friant

When Joel Friant left the real estate business to open his first restaurant, he had no idea that one day he would be teaching other people how to be successful. Before the restaurant, Joel had worked both as a home remodeler and a salesman for a real estate company.

In 1995 Joel decided it was time to implement his big idea and so he opened the countries first fast food restaurant that served Thai cuisine. The spicy and exotic dishes where a hit with his customers and Joel soon realized he had an exciting new product on his hands.

Joel took some habanero peppers that were used in the restaurant’s recipes and tested different methods for drying and flaking them. Once he found the perfect way to do this he packaged it as the Original Habanero Shaker. His product was soon placed on grocery store shelves all over the state of Washington.

Being the natural businessman that he was Joel returned to the real estate business, this time becoming his office’s best salesman. Then he opened up what would become an office that provided innovative loans for real estate mortgages.

Joel decided to share his success with others and undertook the task of uncovering what made successful people successful. He looked at the mistakes failed business and companies made and gathered data. He compared this data to that if the prosperous businesses, treating success as a science. He developed methods and techniques for success and shared them through articles and seminars.

He also began exploring cryptocurrency, which he is still interested in today. Joel hopes to be able to teach other business owners how to properly utilize cryptocurrency and use it to expand their own businesses.

Joel also continues to grow the Original Habanero Shaker brand. The popular topping is increasing in popularity.

Follow Joel Friant on Twitter

AvaTrade Review: Trusted and Reliable Methods

When trading online it is important to work with the most trusted and reputed brands. It makes things simpler and there is an element of trust that is present throughout the process. not only does AvaTrade consistently allow users to feel safe and protected, but they continuously update their software and methods to make sure that they are practicing the most contemporary of strategies. The benefits of AvaTrade are consistent because they provide high quality results that are secure.

Cyber security is an important consideration in the way that web systems and technology are designed in current times. AvaTrade makes it possible to get beneficial and lasting results based on the way that they have created steadfast aspects of customer service and design.

Ongoing updates are improving the way that users interact with core technology. AvaTrade is one of the few organizations that offers online web portals that support all basic account management without downloading proprietary software. Even though there is also state of the art technology available for download when it comes to accessing the platform, this is not required in order to create an account or maintain transactions. The flexibility of the online web-based system is accompanied by steadfast results with security and browser strength.

Since there are a lot of changes that AvaTrade has created over time in the recent years it is important to note that there are a lot of people who have explained the benefits of this system. AvaTrade had facilitate some of the best outcomes when it comes to providing safety and awareness training for users as well.

For example, users can access research tools and analysis features that can educate them about incumbent issues or threats that are associated with the purchase of a particular stock. No matter what the performance of the stock, AvaTrade makes it easy to research and learn about the features of individuals investment options. This helps make better and more well informed decisions over time. There are so many benefits to this process including the availability of tutorial and training materials. These make AvaTrade a great resource.

To Invest or To Not Invest: The Oxford Club

Baltimore, Maryland, is the point of location for one of the nation’s leading investment companies. This company isn’t your typical old school investment agency, it is one of the most technologically advanced institutions in the nation. Building and storing wealth is a priority here. The Oxford Club is its name and building a financial future is its game. Did you know that this company has over 150,000 active members? On top of that, the Oxford Club is an international investment company. This means that individuals from other countries can get in on the action. Since 1989, this extraordinary company has pulled many of its clients out of the red and back into the black.

This exclusive network of entrepreneurs and investors has used tried-and-true strategies to outsmart the stock market. It has also used time-tested principles to outperform the stock market. Successful investments of today can set you up for a more comfortable life in the years to come. Philosophy and ability are two of the leading components that separates the Oxford Club from the pack. These professionals are very ethical, and they have your best interests at heart. Just think about it, when you make money, the company makes money. Founder William Bonner has done an amazing job with expanding the services. Back in the day, this company was known as the Passport Club. At this early stage in the game, the Passport Club was a bit limited in investment services. Thanks to the advancements in technology, the company changed its name to the Oxford Club in 1991.

This private club of investors decided to work as a single unit to identify and to invest in unique opportunities from around the globe. So far, this progressive method has brilliantly worked to the highest degree. For the greatest potential at the lowest of risks, the Oxford Club does an astounding job of researching hundreds of investment opportunities on a monthly basis.

The Oxford Club on Facebook

Cabinets From Siteline Cabinetry Are Worth The Money

Siteline Cabinetry is a company that ensures dealers are getting the best products for their money. Founded by Pat Corsi, Siteline Cabinetry has been a part of the Corsi Group since 2015. The company is dedicated to creating quality cabinets for kitchens, bathrooms, closets and laundry rooms.

The manufacturing plant is located in Keysville, and it is easier to ship to cities such as New York and Chicago from the Virginia area. The staff does not start working on a cabinet until they receive an order. Once they receive an order, the cabinets are handcrafted and delivered in just 28 to 35 days.

Siteline Cabinetry builds and customizes cabinets in a range of styles, colors, and materials. A dealer may order a modern cabinet in gray for their current home project. They use durable materials such as veneer, particleboard and solid wood for the construction, and this includes walnut, red oak and thermofoil. They also offer a wide selection of paints, stains and laminates for the finish.

It is important for dealers to offer cabinets with ample storage, and this is why the staff customizes the cabinets with multiple drawers. The drawers are designed to hold specific items, such as cookware or toiletries. There are even drawers with built-in dividers for utensils or cosmetics. One example is a red oak cabinet with five drawers and a stained finish.

Dealers find it easy to transform homes because of Siteline Cabinetry. Siteline does business with a variety of designers, remodelers and construction companies, from Forte Design Studios to Indy Custom Cabinets. The company works with authorized dealers who offers their products or services to the public.

Siteline Cabinetry does more than just create quality cabinets for their dealers. They also offer a limited lifetime guarantee that ensures they will replace or repair any damaged pieces. The warranty is designed for the original owner of the piece, and the authorized dealer handles most of the customer claims. However, Siteline Cabinetry will handle and honor the warranty if the dealer goes out of business or stops selling the cabinets.

Siteline Cabinetry works hard to ensure their cabinets are always worth the money.

Moving Forward With Continuity: A Bradesco Bank Legacy

A country is determined to be successful regarding economic status if it meets specific parameters and criteria. One of the requirements is that stocks and investment rate is going up. This is measured by increasing numbers in the stock market and also the banks in the said country. Banks are essential to people not only for this reason but also to have a place to put your money and or investment. Being said, you would want to entrust your money in a safe and reliable bank.

In Brazil, Bradesco Bank had made its name in the banking and finance industry. It is known to be the second largest bank in Brazil. Bradesco Bank offers a variety of financing services such as credit card services, insurance, savings, and loans. Bradesco Bank is currently expanding and has branches internationally. Given this, the bank is living by its slogan ‘Pa Frente,’ which in English means going forward. Bradesco Bank would not be this successful without a dedicated leader behind it.

The man behind the success of Bradesco Bank is none other than is Mr. Lazaro . Brandao started with the bank when he was 16. Then in the year 1981, he began to lead the bank. In more than 25 years of service, Brandao is now ready to pass the position to a new potential person to continue his legacy in the said institution. He wanted to have an election for the said position in March, but for the meantime, the one who will replace him and take orders is Mr. Luiz Cappi. Someone who is as dedicated as Brandao must take over the bank to be able to establish and maintain the bank’s standards.

Read more: PDV exceeded expectations, says Bradesco president

Mr. Luiz is one of the people who have a high potential to take over the position Brandao left. Like Brandao, Cappi was the Chief Executive Officer of the Bradesco Bank since 2009. Cappi has a degree in Philosophy, Sciences, Languages, and Arts from the University of Sao Paulo. He also finished a masters degree in Sociology and Politics from the same university. Trabuco will stay in position till the said elections on March. Despite Trabuco having a potential background and abilities, Bradesco’s maximum age for the CEO position would hinder Trabuco in being able to continue as the CEO and a new position as chairman of the bank.

For the new CEO position, Trabuco mentioned that the legacy of Brandao must be carried on. During Brandao’s leadership, promotions were taken inside the company instead of getting outside the institution. This is a very wise and useful strategy because if they would hire someone outside the company, they will have to reinforce the mission and virtues Bradesco had already instilled and implanted in the minds and hearts of their current employees. Being said so, the candidates chosen for the position came from the employees already working with the bank.

Aside from Trabuco, here are some of the candidates qualified for the said position. Mr. Mauricio Machado de Minas the team led for the Information Technology department, at 58, is qualified for the job. Mr. Alexandre da Silva Gluher at 57, has been with the bank since 1976. Other qualified candidates are Mr. Domingos Figueiredo Abreu, Mr. Josué Augusto Pancini, Mr. Marcelo de Araujo Noronha, Mr. Octavio de Lazari and Mr. André Rodrigues Cano.

For the two months that Trabuco will take over the said position, he can use these two months to create a significant impact and create another milestone for Bradesco Bank Change is inevitable and this is seen with the current situation of the Bradesco Bank’s hierarchy according to g1.globo.com. But as change is inevitable, change can also be a reason for opportunities and advancement.

Search more about Luiz Carlos Trabuco: http://www.valor.com.br/financas/5153264/bradesco-novo-presidente-saira-do-corpo-executivo-afirma-trabuco

Securus Technologies, Enhancing Correctional Facility Safety with Technology

Securus Technologies, a leading company in correctional facility communications, has recently implemented technology to make everyone safer. Known as “wireless containment systems,” or WCS for short, the system disables contraband cell phones from making calls and texts from the facility. The device looks like a small cell phone tower, and during testing, yielded favorable results. Blocking nearly two million calls from being made, the system is working for the benefit of everyone.

 

One may wonder why this technology is necessary. When calls to correctional facilities are made, they are regularly monitored and recorded, by a company such as Securus. When contraband phones are used, it’s nearly impossible to catch what’s being said and done. This has led to a series of crimes, including the shooting of a former corrections officer and even a baby. Had the system been in effect, these crimes could have been prevented. The officer injured, whose name is Robert Johnson, has been on a mission ever since to push for legislation requiring this technology in all facilities.

 

Securus Technologies has made advancements in its technology in recent years to provide inmates with easier and cheaper access to communication. Calling, video visitation, email, and voicemail are just a few of the technologies Securus has put in place to assist the inmates and their families. The monitoring component has assisted in solving cases, aiding investigations and prosecuting matters which once seemed impossible. It also has been used to discipline facility employees who are behaving in an unethical manner, such as allowing contraband to enter the facilities.

 

Securus Technologies has been around for several decades under different names. Acquiring many companies over the last few years, they’ve made significant advances. The most noteworthy of these is JPay, which has always served as a company to wire money but has recently started in other technology. Providing inmates with tablets, they’re able to use educational software to better themselves while serving their sentence. As Securus grows throughout the years, it anticipates the acquisitions and advancements in progress will continue to benefit not just those in correctional facilities, but the general public and facility employees as well. It will be interesting to see what Securus Technologies has in store for the future.