About two years ago, there was a general concern that financial advisors were avoiding their responsibility of explaining about social security to their clients. David Giertz sat down for an interview with The Wall Street Journal Digital Network’s Veronica Dagher where he gave more insights into the matter.
David revealed that Nationwide Financial Retirement Institute had conducted a survey on social security, where their target groups were the retired people and those who were nearing retirement. From the survey on cnbc.com, he confirmed that it was indeed true that the financial advisors were not advising their clients about social securities, which was not right. He further explained that about 80 percent of their respondents were in the blink of changing their advisors if the trend continued on SoundCloud.com.
Complexity of The Topic
About why the advisors were avoiding the topic, David Giertz acknowledged the complexity of the social security issues, noting that the social security handbook had 2,700 rules, which would prove hard for the advisors to comprehend.
Why Social Security is Important
David noted that financial advisors ought to be much interested in social security since it would entail about 40 percent of the income retirement planning process at https://vimeo.com/davidgiertz. Their survey also showed that those who abandon social security too early were at a risk of losing on average $1000 per month over a period of 25 years. Social security is of paramount importance for as far as maximizing the retirement income is concerned.
About David Giertz
David L. Giertz has over three decades experience in the financial services sector, especially in retirement plans and life insurance. He is a business graduate from Millikin University where he now serves a member of their board of trustee. Giertz is an MBA holder from the University of Miami.
In 2013, David secured a job at Nationwide Life Insurance Company where he is the President of their subsidiary company, Nationwide Financial Distributors Inc. He is also a community leader and an industry arbitrator with FINRA.
Brad Reifler believes there is opportunity for everyone to invest whether you’re a big business owner and executive, or a regular middle class or blue collar worker. He believes one reason people don’t look to invest is because the opportunities given to the top 1% of investors haven’t been available for the other 99%, and many of the 99% have been given bad advice just like in the movie Money Monster.
According to Crunchbase, Brad Reifler knows in today’s world you have to be careful where you invest, but he also believes that because people are able to find more information now than they were 20 years ago that there should be less regulations on where they can invest their money. Learn more about Brad Reifler: https://finance.yahoo.com/news/brad-reifler-forefront-capital-want-165445401.html
Brad Reifler says investing can be successful if it’s done right, and he advises investors to heed some warnings before they invest their money into various funds. First he cautions that while the stock market can be a good option for investing, it should not be the only one because it can be a very volatile environment.
Second he says that investors need to do their homework on the company they want to invest with to see if it’s had a good employee retention or a lot of turnover, and to make sure current and former investors have had a good experience with them. And finally he says investors need to have investment objectives and goals that they need to stay with until they reach them.
Brad Reifler started out primarily catering to the 1% crowd of investors. His first company was Reifler Trading Company, a fund management company that became one of the largest independent futures businesses prior to being sold to Refco.
Brad Reifler also started a private equity firm Pali Capital in 1995, and then founded Forefront Capital in 2009. He changed who Forefront Capital opened its doors to because of two personal experiences he had in investing.
Prior to starting his own companies, Reifler had tried to open a college savings fund in hopes that after many years it would be ready when for his daughters to attend college. But it did not do as well as Reifler had hoped. And then later he tried to invest his father’s money into a retirement account, but he couldn’t find a good fund to invest in because his father was unaccredited.
So in 2014 he opened Forefront Income Trust after consulting with the SEC, and he was able to lift regulations on non-accredited investors, and today anyone can invest in the fund for as little as $1,000.
Roberto Santiago is the man behind the largest shopping center in the city of Pessao in the locality of Joao in Brazil. He managed to create an idea and actualized it into becoming the largest shopping center that you can find there.
In it, you will find the commodities that you need, you will be entertained and you will have a good time because distractions and fun activities are in plenty.
This Shopping Centre Boast Some Very Awesome Contents
The Domus Hall
Open since the year 2009, Domus Hall has been instrumental in the hosting of several functions and conventions that needed room, and these are the functions that it has served and hosted so far.
FairsReceptionsTheater Art exhibitions
- Fairs- they may include science fairs among others.
- Receptions- these can involve parties after the main events.
- Theater – theatrical performances are a big part of society, and they too can be hosted here because the hall is auditorium style and can serve that purpose.
- Art exhibitions- whenever you need to showcase anything that involves art and other forms of it thereof, you can always get this shall for that.
- You will find bars; cabins and bathrooms on this floor making this floor self-contained and convenient.
The Domus Hall has been instrumental in giving the shopping center the allure that it needs.
The Areas of Interest Include:
- If you have the need to use a hall, you can always hire the Domus hall for exhibitions, fairs, and other functions.
- When hungry, you can pop over to the food court which will offer you various dishes.
- With eight cinemas showing different movies at all times, you can never get bored.
- If you want outdoor fun activities that require lots of room, you can go to the leisure area that has all the fun activities you can engage in.
The Shopping Centre Boasts Acreage Never Seen Before In Joao
With an acreage that covers a lot of land, the Roberto Santiago Manaira Shopping has everything that you will need all arranged neatly in over 200 store spaced nicely apart for you to have room for walking, sightseeing, and shopping in peace with no hassle, struggle or congestion.
The Stalls and The Entertainment
Equipped with over 280 different stalls that sell different commodities, you can confidently walk in knowing that you will find almost anything in here. The rooms and halls that are reserved for entertainment have the best equipment that will ensure you get entertainment in all its glory. Great pictures, great sound, and great ambiance will ensure that you have fun.
With a variety of brands, hundreds of merchandise types and lots of room, you will see diversity in all its glory. When you want to be spoilt for choice and have the best time shopping for whatever you need, you can just pop in here and see what the center has to offer.
The Manaira Mall is a diverse, interesting and truly magnificent place where all you need can be found and the services provided are superb.
Betsy and husband Dick DeVos, who give jointly through the Dick and Betsy DeVos Family Foundation, have given nearly $139 million to date, generous even by the standards set by other wealthy Michigan philanthropists. Giving is in Betsy DeVos’ blood; her father, the late manufacturing magnate Edgar Prince, supported civic projects in the family’s hometown of Holland, Michigan, where he is honored by a monument for the renovation of downtown Holland. Betsy’s in-laws are notable contributors as well, making giving a family tradition. A graduate of Grand Rapids’ Calvin College, DeVos has spent her life being active in politics and advocating for quality education.
Betsy DeVos serves as chair of the Dick and Betsy DeVos Family Foundation, where education is a priority. The foundation has backed the Compass College of Cinematic Arts in Grand Rapids, Potter’s House in Wyoming, the West Michigan Aviation Academy, the Rehoboth Christian School in New Mexico and numerous other schools in an effort to improve education for all children. Telling the Grand Rapids Press “Kids growing up in the wrong ZIP codes were not able to access the American dream and achieve the education necessary to have a shot at the American dream,” DeVos points to the free aviation-themed charter school she and her husband founded, where more than 33 percent of the students are economically disadvantaged. Graduating licensed pilots and students skilled in aeronautical engineering and robotics, the academically rigorous school is preparing students for STEM majors in college, and then high-paying jobs once they graduate. DeVos has also served as a board member and chairperson of the American Federation for Children and the Great Lakes Education Project. As the current United States Secretary of Education, Betsy DeVos will have the opportunity to ensure all children receive the quality education that they deserve.
Funding the arts is also a priority for DeVos. By launching the DeVos Institute of Arts Management, DeVos supports arts organization’s managers and boards with training to keep their artists working. Also serving as a board member for ArtPrize for five years, DeVos supported the international art competition in Grand Rapids, Michigan. From 2004 to 2010, DeVos served on the board of directors of the Kennedy Center for the Performing Arts. While making large monetary donations isn’t a hardship for DeVos, few individuals give so much of their time to organizations and causes that they champion.
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Do you still use ordinary shampoos and conditioners to care for your hair?
We know; it’s hard to break longtime habits, but if you do your beauty homework, you might think otherwise.
WEN By Chaz was developed by veteran star stylist Chaz Dean for a serious purpose. The Hollywood hair guru could no longer watch women ruining their hair by using ordinary shampoos. These chemically-laden formulas with the big lathers were the culprits of weak, damaged locks. Sulfate and parabens were the harmful additives, the same ones found in our common household cleaners.
Chaz Dean has always lead a clean, holistic lifestyle and decided to approach his brand with the same thinking. Instead of blending harsh detergents into his line of hair care cleansing conditioners, he turned to nature and chose herbs and other botanical extracts to rejuvenate the hair.
WEN’s cleansing conditioners are incredible 5-in-1 formulas that thoroughly cleanse and nourish hair of any type, ethnicity and texture. These natural bases create a luxurious blend of hair fortifiers that add volume and shine to every strand, root to end. There is zero lather, and that’s okay, because a lather doesn’t build beautiful hair.
Chaz Dean’s carefully prepared cleansing conditioners act as a shampoo, conditioner, de-tangler, deep conditioner and leave-in conditioner. These gentle formulas are never abrasive and are ideal for massaging into the scalp and hair, no matter how damaged strands have become.
Wonderful ingredients like rosemary extract, pomegranate, lavender, tea tree oil, olive leaf, cedarwood and many others play a key role in these non-ordinary no lather shampoos. Just one wash and you’ll be hooked, because your hair will be manageable, soft, smooth and glossy.
Let’s be honest, ladies. There is no other no lather shampoo on the market like WEN, because Chaz Dean is the no-poo pioneer.
Usually, a bar association does not give much aid to the local judicial jurisdiction. It is there to make decisions on what is right on wrong regarding the local judicial jurisdiction. Sometimes it is even against the jurisdiction; all bar associations do their best to exist for the people of the community, especially those on a low-income level.
The New York Bar Association is changing the familiar way a bar association operates. This is occurring through a new online system called the Madison County Courier. All judges and other workers of the court have access to this system, and they are using to their advantage and to the advantage of the litigants coming before them. This is especially showing in criminal cases.
Mostly all criminals, both incarcerated and free, come to court with no attorney. The judge usually forces an attorney in the courtroom to speak with the defendant for a few minutes and then argue his/her case. Now, law clerks can get on the Madison County Courier system and find an attorney nearby that is in his/her office. This has led to the court no longer scavenging around for an attorney for a defendant.
Attorney Jeremy Goldstein, creator of this online system, is very happy with these results. In fact, Attorney Goldstein is quite surprised. This system was created to be used by people in the community, especially those with little or no money.
Attorney Goldstein is thrilled to see the court making full use of this system, too. He believes this makes his education seem worth, even beyond the awards he has won for never losing a case while representing some of the biggest corporations in America. Attorney Goldstein is planning to make several adjustments to this online system within the next several months. He hopes these adjustments will help people and the court system even more.
Follow Jeremy Goldstein on Facebook for updates.
Have you ever wanted a dream of yours to come true? You’ve probably heard the line, “Hold fast to dreams, for if they die, life is a broken-winged bird that cannot fly,” by poet Langston Hughes. It is a true statement: living your life ignoring your dreams can truly cause dismay, which nobody wants in their life. Doe Deere refused to live without pursuing her dreams.
Doe Deere wasn’t like that by any means, as we already know. As a matter of fact, you could call her the ultimate dreamer. Through her dreams, she became a young entrepreneur. At the tender age of thirteen, Doe Deere was producing and selling a novelty product in Russia at the time: temporary tattoos. This says volumes about her: Doe Deere is not afraid to express herself, which is a dream many of us have brushed off in order to follow the norm.
This vixen has always been self-motivated and ambitious. She has been a musician in New York City and is now the creator of an exceptionally triumphant beauty product line called Lime Crime. What does Lime Crime provide that sets the rest of the beauty industry away from all else? Colorful, vibrant, unique, and shimmery beauty products that will make anybody feel like a majestic unicorn princess.
Doe Deere set out a cosmetic product line which has a very specific mission. So, what is this mission, you ask? It is to revolutionize makeup. Her goal was to not only improve the online shopping experience but to also improve the way Lime Crime’s makeup makes you feel. Lime Crime is a true trendsetter, just like Doe Deere. The trends of Lime Crime’s cosmetics have truly taken the world by storm. It is not a surprise that Lime Crime has a supportive cult following due to its unique and chic products. Lime Crime provides the perfect shade for all makeup needs, so you can create your own individual look – just like Doe Deere does!
Express yourself unapologetically with the power of Lime Crime. Flash your fancy self and be the envy of everyone. Don’t forget to thank Doe Deere for her revolutionary vision, either!
Following Madonna’s interest in Kabbalah, several other Hollywood stars have followed her lead. The non-Jewish Hollywood stars’ interest in Jewish mysticism has been informed by different reasons. Madonna invested heavily in the ancient Jewish tradition by taking classes and opening Kabbalah centers. Some of the Hollywood stars that have shown interest in Jewish Kabbalah are Britney Spears,Paris Hilton, the late Elizabeth Taylor, Sammy Davis, Marilyn Monroe, and Sandra Bernhard.
In an interview with the Los Angeles Times, Sandra Bernhard noted that Kabbalah helped her to get rid of at least 80 percent of disorders in her life. Paris Hilton shared the same sentiment. Speaking to More Magazine, a Great Britain publication, she said that when she and Nick Carter split, she coped by visiting Los Angeles’s Kabbalah Centre. To this end, she was able to heal from the same. Many celebrity students of Kabbalah share these sentiments.
Kabbalah Center’s website explains that Kabbalah is ancient wisdom that offers practical tools for establishing joy and fulfillment. The teachings of Kabbalah seek to change people’s perception about the world. Chabad emphasizes that Kabbalah is the Soul of the Torah that teaches the essence of god, his interaction with the world, and the importance of creation. Additionally, not all Hollywood stars were attracted to Kabbalah due to their personal problems. Stars like Sammy Davies told Time Magazine that he wanted to be part of history that stretches 5,000 years back.
About the Kabbalah Center
The Kabbalah Centre is based in Los Angeles, California. This non-profit organization teaches about the Zohar and other Kabbalistic teachings online. In addition, the organization provides teachings through city-based centers worldwide. Philip Berg is the rabbi responsible for the today’s presentation of the Kabbalah. The institution has a multi-ethnic and global staff of teachers that provide Kabbalistic study and guidance.
The history of Kabbalah Centre dates back to 1922. Rav Yehuda Ashlag is the brain behind Kabbalah. He is considered the first master kabbalist to put efforts in making people access Kabbalistic wisdom. He is also remembered for modernizing the teachings of Kabbalah. Rav Berg took over the leadership of Kabbalah Center from Rav Ashlag.
A woman named Emily McClure decided to sample Wen and try using it for a week. She recorded her results and even took photographs for an online publication called Bustle. The following is a short summary of Emily’s experience with using Wen for a week after daily use with the cleansing conditioner.
When Emily first got her bottle of Wen, she was surprised to read that Wen requires a lot more pumps than her regular shampoo. Although she didn’t use the recommend amount of pumps as stated on the packaging, she did have to use a lot more than her old shampoo. She said that people who plan on using Wen should realize that a cleansing conditioner will require a lot more of the product than your typical shampoo. This is because it is milder and you need more of the product to clean your hair effectively.
Emily McClure also remarked that the Wen does not lather as well as past shampoos that she has used. This is because Wen does not contain lathering agents that produce that nice soapy lather we have become accustomed to. Emily said that as she was showering she had to really work and scrub to get the hair throughout all of her strands. This is something else to keep in mind if you plan on using the Chaz Dean brand, http://chazdean.com/.
After her first use of Wen, Emily noticed that her hair become notably shinier and more voluminous. In fact, after a few days of using Wen every day, Emily went out on a date with some of her friends. During the date, Emily’s friend complimented her hair and said that it looked great and better than before. So Wen does give you shinier and more voluminous hair naturally. You do have to use it daily and make sure you use enough though to get those results concluded Emily at the end of her trial period.
Julie Zuckerberg is a well learned and skilled talent acquisition guru. She attended the City University of New York Brooklyn College and graduated with a bachelor’s degree in Philosophy and further graduated from New York Law School with a degree in law. Her education background played a major role in her career growth and development. She joined Deutsche Bank in 2014 April as the vice president executive recruiter and talent acquisition. For this position, she consulted with the company’s hiring managers for global talent acquisition and local. She also made sure that the process was in relation with CCAR. Julie put so much work and commitment to her work which showed her promoted to the lead executive talent acquisition in November 2015. She has shown her mastery for the work which has resulted in being given more executive and challenging problems to tackle for the organization.
Julie has worked with various other top achieving forms in the industry. Before joining Deutsche Bank, she worked as the lead experienced hire recruiter for New York Insurance Company. Her position saw her working alongside leaders and clients throughout the nation with agency businesses. She made sure that the relationships were maintained healthy and professional and also provided strategies that saw to it that recruiting was done in full cycle. She was also the vice president, executive recruiter and executive recruiter for Citi Global Consumer Bank. She was involved in dealing with complex hiring processes for talents that were associated with claw backs, equity buyouts and immigration. Between November 2002 and October 2007, she worked as the Director of Candidate Placement for Hudson. She used her law degree and philosophy to recruit talents for the company which included attorneys, case managers and paralegals among others. Here, she also resolved conflicts among employees and made sure that the company complied with the state and federal laws.
All the companies that Julie has worked for are high end which means that her role clearly shown from the work output and performance of the employees hired and retained. She couches and counsels employees and helps them reach their maximum potential which is a motivation factor especially for career growth and development. She uses her degrees and experience interacting with others to help employees work and interact with one another without much conflicts. Julie Zuckerberg has created a name and reputation for herself as having an eye for talent and being able to nurture and mold talent to achieve their highest potential. Julie leads her company to appreciate talent and work hard to ensure that they are trained and retained.
Besides her busy schedule, Julie Zuckerberg works alongside communities’ leaders and organizations in charity organizations to help and touch lives. her compassion for the less privileged pushes her to volunteer her time and finances to help out. Additionally she enjoys art and technology and you will find her at art galas recognizing and appreciating talent. She has been heard proclaiming her love for great food and cuisines and pets.