As a financial adviser are you speaking to your clients about Social Security as a part of their retirement plan? To many advisers that would only make common sense but come to find out, according to David Giertz, too many advisers are not and it may be costing them clients and their clients money.
David Giertz has over 30 years experience in the financial services field. After receiving his MBA from the University of Miami, Fl entered into the financial services industry. In 1999 he joined Nationwide as a regional Vice President after beginning his career with Citigroup where he spent 10 years as a financial advisor. With many major successes and accomplishments over his career his most recent achievement was taking Nationwide’s operating revenues from $11 Billion dollars to $17.8 Billion dollars profits.
Recently he sat down with the Wall Street Journal for an interview on the topic of retirement and Social Security, here’s what he had to share with you.
Most financial advisors are not speaking with their clients enough about Social Security and here’s why they should be. The results of a recent survey of retirees and people within 10 years of retirement by Nationwide found that most people are saying their advisors are not talking to them about Social Security and they were not happy about it. To the point that 4 out of 5 of those surveyed said they would change advisors if they were not discussing Social Security with them.
David Giertz believes this is happening due to what a complex topic it can be. The handbook for Social Security has 2700 rules and understanding and having confidence in regards to all those rules can be discouraging to advisors. In addition to risk losing clients by not discussing it with them is in some cases Social Security can be up to 40% of a client’s retirement portfolio. Another factor is some clients that turn on Social Security too early could lose up to $300,000.00 over a 25 year period during their retired years. Quite a substantial sum of money.
There may not be any completely foolproof way to secure user privacy online, but there are steps that can be taken to safeguard data as much as possible. That’s what ClassDojo has done with each new version that’s come out. This app is basically a classroom communication app that’s taken a lot of ideas from the Facebook model but made them education-friendly and is still growing today. Its biggest accomplishment has been making sure user data is protected and not available to data mining companies. Many social media brands and Google have come under fire for selling user data to advertisers, but ClassDojo has been transparent about making sure it never happens with their app. And they’ve added additional security layers to make sure it’s less vulnerable to cyber attacks.
ClassDojo has amassed over $30 million in venture capital and it’s become very popular at public schools all over the US. Sam Chaudhary and Liam Don got the idea for it back in 2010 when they visited the US on a grad student trip to get ideas for a new app they wanted to develop. They felt education was lacking real solutions in the technology age, so they asked teachers at a convention what they thought could be done to help them. The first solution was an app that could give out points to students every time they behaved well in class, did their homework and participated in discussions. But Chaudhary and Don realized this app could do a lot more than that.
Chaudhary and Don turned their ClassDojo app into a big success because they listened to user reviews and input on how it could become even better. They not only added more communication features but also teamed with an educational foundation from Stanford to put together student growth videos with educational characters. ClassDojo has allowed teachers to be in constant contact with parents that it’s become a replacement for parent-teacher meetings. The app is free to download and it’s stayed cost-effective for its development team because it spends no money on advertising costs. The app could be rolling out new optional premium content soon.
The SENS Research Foundation is an organization that develops a cure for aging diseases by applying biotechnology solutions. SENS holds a conference every year to discuss emerging issues in the field of biotechnology. The attendees of the conference discuss how they can develop drugs that will combat negative effects of aging. Aging is associated with numerous diseases that affect human beings at a critical stage of their life. The conference is attended by many experts from all over the world. They give their opinions regarding various approaches which would lead to the development of drugs that cure old age diseases. Most of the ideas that are discussed in the conference relate to diseases such as cancer, Parkinson’s disease, Alzheimer and cellular damage.
SENS Research Foundation aims at growing the rejuvenation biotechnology industry that will facilitate the development of solutions for human needs. SENS Research Foundation is a nonprofit organization which is supported by well-wishers who believe in the programs that they run. Entrepreneur Jason hope is one of the biggest supporters of this group. He is an advocate of biotechnology solution for human problems. He hopes that SENS work will result in eradication of old age diseases.
In 2010, Jason Hope offered SENS $500,000 in donations. The funds have been used to develop laboratories for research as well as initiating new programs. Jason Hope saw the innovativeness of this group and believed that they could develop drugs to fight old age diseases. SENS was interested in a cure for degenerative diseases that weaken the human body and making it susceptible to diseases such as cancer. Jason Hope believes that the world would be a much better place if old age diseases were cured.
SENS Research Foundation has set precedence in the biotechnology industry by advocating for advanced research which will lead to a milestone in the treatment of human diseases. Cases of old age diseases are too many lately, and only research-oriented strategies can lead to the development of anti-aging drugs.
About Jason Hope
Jason Hope is an expert on matters of technology. He has been researching about technological advancements and advising people on what to do to align their objectives in life with technology. Jason Hope is a holder of MBA from the W.P Carey School of Business.
Jason hope is also known for his expertise on the Internet of things technology. He has been advocating for people and businesses to prepare themselves for the Internet of Things which is a technology that will be disruptive in many ways.
Jason Hope’s Facebook Page: www.facebook.com/jason.r.hope
On 10th of July 2017, a team of experts in constitutional matters had a workshop in which they discussed Ukraine’s government semi-presidential system. Among them was the Centre for Constitutional Transitions’ Director, Sujit Choudhry. In that workshop hosted by several Ukraine think tanks, were discussions about the challenges faced by the system currently.
Choudhry said that it was evident that there was instability in the democratization in Ukraine, which has been facilitated by the legislature electoral systems, presidency power concentration, and weal political parties, among other factors. Choudhry was a participant in the roundtable together with other experts such as Sumit Bisarya, Sergyi Holovatyi, Vladimir Vasilenko, Victor Musiaka, and Ihor Koliushko (prnewswire.com). These being knowledgeable people on the matter of discussion, their input was very vital.
Sujit Choudhry also talked about the inclusion of the transition democracies in decisions of constitution-making, which have been the recent wave sweeping across countries. In this matter, he said that it was necessary for the sitting constitutional thought leaders to have a discussion on policy-based options which were to back up the constitutional reforms process (https://works.bepress.com/sujit_choudhry/), this being a topic of interest, collecting case studies and articles to be used by the constitution-making experts in the information assembly is part of the process.
In the Center of Constitutional Transitions, mobilizing and generating knowledge important for constitution building is one of its responsibility. It does assemble and lead international experts who produce policy options which are evidence-based. Moreover, thy help in agenda-setting research and also in decision making. The Center works together with NGOs, think tanks, and multilateral organizations, who make contributions in each stage of the center’s work. The center works with field-experiences scholars and practioners experts who come from over 25 countries and aid in solving related issues in the countries. It’s through their sharing and contribution that the Center has been successful.
Sujit is a constitutional law expert who has made lectures in several countries globally, as well as advised and assisted countries in the constitution making process. He is a law professor in Berkeley’s School of Law of the University of California (blogs.law.nyu.edu).
He was born in 1970. he attended Oxford University for his Bachelors of law and masters from Harvard University. He is very knowledgeable in the field of law. Check law.nyu.edu.
The 22nd edition of the Sertoes rally took place and the Bull Sertoes rally time was on hand to compete and represent its fans as usual. The team that is made up of the Rodrigo Terpins and Michel Terpins were in there usual T-Rex representing for #322 and #326 respectively. The team has been participating in the Sertoes rally since it was founded and has taken home some victories and continues with the hope of a championship soon.
In the 22nd edition of the Sertoes rally, the teams and their entourage that consisted of more than 2,000 people departed the town of Goiânia (GO) to Belo Horizonte (MG), they would cover a distance of more than 3,000 kilometers between the two states. This was the first edition that was tailored towards a calendar that favored fans. This was due to the fact that competitors were allowed to come and arrive on weekends, this format was one meant to encourage as many rally fans to be in a position to come and watch the event live. The finally tally would come to 204 competitors that included four women. This meant that the 22nd edition of the Sertões rally would have a total of 40 bikes, 45 cars, 17 hips, four trucks and 22 UTVs. Check out agenciaoglobo.com
This would mark a total of 128 vehicles. This was in comparison to the previous edition that had gone through Goiânia (GO) covering over 4,000 kilometers and passing through Goiás and Tocantins. At the time this was the largest caravan with more than 2,000 people it had at the time returned to offering the Super Prime, where the public could easily get an opportunity to closely monitor the fights and the jumps closer to the closed circuit. The circuit though had been smaller and had seen 175 competitors but a significantly higher number of women at 8 in total. This meant that that edition of the Sertões rally had 46 bikes, 46 cars, 15 hips, two trucks and 8 UTVs. This would add up to 117 vehicles. The twenty-second edition saw Rodrigo Terpins emerge third in his category the T1 Prototype.
Recently, Sujit Choudhry joined some of the top experts in the world in Kiev, Ukraine to discuss the semi-presidential system of government in Ukraine along with some of the changes their constitution will undergo. Choudhry is a successful law professor at the University of California Berkley. He also serves as the Director of the Center for Constitutional Transitions. He is very knowledgeable in government affairs.
The Center of Policy and Legal Reform was the host of this meeting. The International IDEA, a world wide governmental organization that supports democracy, was also a host of this workshop. All these experts met with one thing in mind: Improving Ukraine government. Choudhry himself was very into the meeting. He was quoted as saying, “It was a privilege to meet with some of the top researchers and constitutional experts.” Choudhry acknowledge that the Ukraine democracy has been quite unstable for sometime. The more than twenty year failure is the result of weak political parties, and the separation of powers between the Prime Minister and President.
A successful lawyer, Sujit Choudhry has an amazing resume. He holds law degrees from from Oxford, Toronto, and Harvard. He has served as Dean at Berkley School of Law. (http://www.law.nyu.edu/news/choudhry_award). Throughout his career he has worked as the the Cecelia Goetz Professor of Law at New York University and also served as the scholl chair at the University of Toronto. His knowledge of both law and politics have earned him respect across the world. He has spoken in more than twenty countries including Egypt,South Africa, Nepal and Sri Lanka (constitutionaltransitions.org).
As of today, Choudhry has published nearly one-hundred articles. This list includes, but is not limited to, The Oxford Handbook of the Indian Constitution, Constitution Making and The Migration of Constitutional Ideas. Click medium.com for related reading. Some of his other notable accomplishments include being the Founding Director of the Center for Constitutional Transitions and co-leading several global collaborative research projects. Suit Choudhry clearly has made an amazing impact on the world of law and politics. With his amazing track record, he is sure to continue making his presence felt for many more years to come (iconnectblog.com).
When people look at Bob Reina, they start to realize to themselves that anything is possible in their own individual lives. He gives people hope, desire, and passion. Bob Reina has the right traits in his personality and in his career as the CEO and founder of Talk Fusion, a video communications company that is making dreams come true every single day they are in existence. It is a powerful thing to be able to give people the ability to live out their dreams without anything standing in their way. Bob Reina gives them the tools such as video newsletters, video emails, and video conferences.
In many ways, your story can be like Bob Reina’s. He’s a former police officer that was looking to do something more with his life. He has gone on record and talked about how he felt as though he was limited by his time and his paycheck. He wanted to do something more, but he wasn’t sure what that something more in his life was at that exact moment. Finally, he realized his true calling with Talk Fusion and he has not looked back. The company, as a matter of fact, has been around since 2007. They are now a company that has been around for over a decade. That is quite an accomplishment, and it is something Bob Reina takes quite seriously. Learn more: http://www.pr.com/company-profile/employees-biography/82120-1877
They realize they have done a lot, won a lot of awards, two of them in the year 2016, and they want to do even more with the company. They want to get this product in the hands of as many people as humanely possible. That is the ultimate goal and the ultimate dream. If Bob Reina can keep opening up doors and making things possible for people, he is going to be one happy camper. He feels as though with great power comes great responsibility. He wants to use his power as the CEO and founder of this company for something great and something special. He has the best IT team in the world, and they are always coming up with groundbreaking ways to change the game for the better.
They don’t rest on their laurels and they don’t take it easy as a company. They keep plowing ahead, moving forward, and never giving up on the dream of Talk Fusion. Every single person believes in Bob Reina and they believe in Talk Fusion. They love working for a company that makes a real difference in people’s lives and serves a major purpose. When they hear all of the success stories, it reminds them of why they are doing this in the first place and their motivation for greatness.
If you haven’t already heard of Eric Lefkofsky, he is a serial entrepreneur and the Co-founder of Groupon, a tremendously successful e-commerce business with operations in 28 different countries. Although Groupon is the brand most commonly associated with Lefkofsky, he has also launched several other successful companies including Media Ocean, Innerworkings, Echo Global Logistics, and several others. These various business endeavors have made Lefkofsky not only wealthy but also, has led to him being named one of the most successful businessmen in the world of e-commerce. In fact, collectively, his business endeavors have generated nearly $2 billion in revenue.
Of course, not being one to rest on his Laurel’s, Lefkofsky has made it his mission to achieve similar success in the medical industry. This ambition has led to him becoming the Founder of Tempus, in 2015. If you’re unfamiliar Tempus, it is a technology-based company whose business model is predicated on marrying medicine and modern technology. The company’s long-term goal revolves around building a comprehensive library of clinical and molecular data that will aid physicians in treating patients diagnosed with cancer. Lefkofsky describes the library as a genomic cancer library that will enable physicians to archive copious amounts of data, which can later be used to prescribe treatment regimens for those diagnosed with similar types of cancer. What does this mean, exactly? It’s simple, physicians will be able to prescribe a treatment regimen that is determined based on information related to former patients, with similar types of cancer.
In addition to being a consummate businessman, Lefkofsky is also a humanitarian, which is why he launched the Lefkofsky Family Foundation, in 2006. The foundation has made it their mission to support education initiatives worldwide. To date, the foundation has donated over $1 million to the Robert H. Lurie Comprehensive Cancer Center, located at Northwestern University. In addition, the foundation has donated $500,000 to Stanford University, which was gifted to the university to help fund their gastric cancer research efforts. Of course, this is just to name a few; the Foundation has helped more than 50 organizations worldwide.
Learn More: lefkofskyfoundation.com/
The corruption in politics has been a long-standing problem, and in the United States, it is a problem that has been increasing with every passing year since 2010 when Supreme Court gave the verdict on Citizens United case. The judgment by Supreme Court gave the wealthy individuals as well as business entities to spend an unlimited amount of money on country’s elections. It meant that the money spent by the corporate companies and affluent people in business would make the election campaigns more elaborate, and would influence the vote bank of the politicians supported by these cash-rich entities. The election campaigns have become more of a process that showcases which companies and wealthy individuals are on which side of the political spectrum.
Hundreds of millions of dollars are spent on elections, and the figure continues to increase with every passing election in the country. The interest of the general population of the country is being trampled upon with the favors being done to the huge companies and affluent individuals by the high ranking politicians. The Supreme Court judgment on Citizens United case is highly subjective, and many protests are being done over the years to overturn it. One of the PAC that has participated in the protest to overturn the campaign finance rules is End Citizens United. The ECU collects its funds from the grassroots donors, who are aware of what is going on in the country and wants to be the part of the change.
The End Citizens United wants to support the politicians and political candidates who are in favor of the overturning of campaign finance rules. One of the political candidates that End Citizens United has announced would be supporting the upcoming elections in March 2018 is Democrat Conor Lamb, who is representing the 18th Congressional District and is from Pennsylvania. As an ex-marine with an excellent track record in the public service sector, Conor Lamb is the perfect political candidate to take on the rival Republican Rick Saccone, who is supported by Super PACs wholly funded by the corporate industry.
Conor Lamb has announced that he would not take funding for his election campaign from the corporate companies, and would only accept donations made by the people. Even though the region he is representing has been a Republican stronghold for many years, Conor Lamb has been getting a lot of support from the locales in the area. It is expected that he may as well end up surprising his rival counterpart.
When mega-donors buy off politicians? Absolute power corrupts, absolutely.https://t.co/ttssV0dP39
— End Citizens United (@StopBigMoney) February 12, 2018
How does 2018 look for buying new stocks? Paul Mampilly, the author of “Profits Unlimited” says there may not be as many gems to be found this year as there were last year, but there still are good opportunities out there for them. The stocks Mampilly says are most likely to rise are “Internet of Things” stocks that involve technology powered by internet connectivity. Some IoT stocks are smart appliance manufacturers, self-operating vehicles, artificial intelligence applications and robotics and automation companies. Mampilly says he’s also excited about precision medicine, cryptocurrencies and blockchain technology. He writes more about these stocks in his Banyan Hill newsletters.
Paul Mampilly has been studying the stock market both as a professional advisor and an independent author. He immigrated to the US from India and got his bachelor’s degree from Montclair State University. He worked for several investment banks in credit and commercial banking services, and he became known for offering great insights on the stock market. He was hired to the management team of Kinetics International Fund in 2006 and while there the firm’s clients reported seeing returns top 40℅. Mampilly was also featured in a Barron’s magazine article about the firm for helping grow the company portfolio to $25 billion in assets under management.
Paul Mampilly has bought several stocks of popular companies before they became well-known that include Facebook, Sarepta Therapeutics and Netflix. He also entered the Templeton Foundation’s investment competition in 2008 when the recession was bringing a lot of stocks down. But Paul Mampilly found funds that stood to gain interest, and after one year he had turned a $50 million investment into $88 million.
Mampilly decided to leave the corporate Wall Street world in 2016 because he had made enough wealth to retire, and he wanted to provide investment information that could help middle class people. That’s when he came to know Banyan Hill, a subsidiary of Agora Financial that offered free articles and newsletters at a much lower cost than other insider publications. Mampilly began “Profits Unlimited” which picked up over 60,000 subscribers not only because of the information it provided being legitimate but also because it was easy to understand and it allowed followers to buy their own stocks without a broker. Mampilly is also the author of “Extreme Fortunes” and “True Momentum.”
To know more click: here.