Financial Advisor David Giertz Reveals How Social Security Can Change Your Life

David Giertz graduated from Miami University with a degree in business administration and management. David Giertz is a registered broker with FINRA, which means he is in the business of buying and selling stocks and mutual funds. He has worked as Senior Vice President-Nationwide Financial Distribution and Sales at Nationwide Life Insurance company since April of 2013 at https://twitter.com/davidgiertz. Giertz also serves as President of Nationwide Financial Distributors and several other companies.

David has over 30 years of experience in the financial industry and has been accredited as a broker through the State Securities Law Exam, General Industry and Products Exam. He is not just a financial broker, but he is a specialist in investment planning for retirement such as social security.

The Wall Street Journal recently did an interview with Dave Giertz, where they discussed the importance of social security and why people should pay more attention to it. He also conducted a survey where many people stated that their advisors were not discussing social security with them. This means that a majority of people who have the right social security plans may not receiving all of the benefits they could be presented with.

Giertz revealed some valuable information in the WSJ interview to help financial advisors understand the importance of talking to their customers about social security. The interview on soundcloud.com also revealed several facts about social security, one being that it can take up about 40% of your retirement planning process. Dave also pointed out that those who turn onto social security too early can lose up to $300,000 over 25 years on Vimeo. Clients need more advisors like Dave Giertz, who are honest and take the time to help clients understand their financial situation.

Brad Reifler Doesn’t Want Anyone To Miss Out On The Benefits Of Investing

In today’s world, investing has often become synonymous with only rich people or finance gurus and may even be looked down on by the other 99% of America.

But Reifler believes it doesn’t have to be so and he says that even though many things about the movie Money Monster that are true, there are still amazing opportunities that can come from investing. Investors just need to heed some words of advice before they jump into investing.

According to Bloomberg, Brad Reifler’s first word of advice is not to just simply invest in the stock market, but to look at other opportunities for funds. Yes, the stock market can have some very good investments that can bring high returns, but it could also be a very volatile place to invest in.

Second, Reifler says it’s just as important to know who you’re investing with as it is to choose the type of investment. This is because you don’t want to invest with a company that has a bad reputation for making profits regardless of your portfolio performance. And lastly, Brad Reifler says you have to have an investment objective and stick to it and not get sidetracked by any bells and whistles that fund managers might offer you.

Reifler has built several companies that developed quite a reputation for investment strategies. The first was a discretionary account and global derivatives management company, Reifler Trading Company. Reifler owned this company from 1982 to 2000 before selling it to Refco Inc. Learn more about Brad Reifler: http://www.marketwired.com/press-release/brad-reifler-forefront-capital-advisors-ceo-announces-new-partnership-with-easter-seals-2104550.htm

He also built Pali Capital, a hedge fund and broker in the equities market that actually did not place control over where clients funds were invested in, but rather helped develop an investment strategy for the portfolio managers to execute. It did well in excess of $1 billion in income and built offices all over the world.

And then Reifler started Forefront Capital, a company that started out as a portfolio manager to the wealthy clients, but soon moved towards middle class investors.

Brad Reifler wanted to serve middle class investors because once he had started a college savings investment fund that he had hoped would have enough in it for his daughters when the time came to withdraw.

Unfortunately, the money was actually less than what Reifler had put into it. He also once tried to invest his father’s lifesavings in a good IRA account, but he couldn’t find a good one because his father was unaccredited.

So after consulting with the SEC, Reifler was able to open an alternative investment fund at Forefront Capital for even non-accredited investors who could start investing in it for as little as $1,000.

WEN By Chaz Dean Makes Hair Beautiful And Healthy

Women from all over the world love to get their hair done. They love to make their hair feel soft. It is important to have healthy hair, because healthy hair makes women everywhere feel beautiful. There are a lot of products out there that promise healthy, shiny, soft hair but many of those products only deliver false promises. When looking for reputable products, look for natural hair products that eliminate all unnecessary chemicals. Products without chemicals are ideal for hair because it promotes shine, softness and it makes the hair manageable.

There is one product on the market that has great ingredients and is proven to make hair healthy. This product is WEN by Chaz Dean. WEN hair products were created by celebrity hair stylist Chaz Dean. Chaz Dean came up with WEN after talking with his clients about their hair. WEN by Chaz Dean is a success because Chaz worked hard provide a product that women would love.

WEN by Chaz Dean is unique because it has ingredients that nourishes the hair. WEN contains botanicals that moisturize the hair and make it soft and manageable. WEN has a 5-in-1 system where it can used as a shampoo, a conditioner, a deep conditioner, a detangler, and a leave-in conditioner. WEN by Chaz Dean is a cleansing conditioner. It can be used to clean the hair of all dirt but it does not strip the hair of its natural oils like shampoo.

When WEN is used, it leaves the hair soft and manageable. It provides a healthy shine and the hair feels amazing after use. WEN is a great product for a woman who does not want to use multiple products to get the job done. WEN brings out the best in a person’s hair. WEN by Chaz Dean can be used on wavy, straight, or curly hair.

Buy WEN products on EBay.

The Madison County Courier Is The New Way To Find Pro Bono Lawyers

Many people in New York have a hard time finding a pro bono lawyer. Even when finding one, people usually do not know the history of the attorney. Moreover, some of these attorneys have several hidden fees attached to their pro bono work. These attorneys take advantage of average people in the New York area.

 

This is being changed by the creation of the Madison County Courier. The Madison County Courier has developed a way for all people in low-income status to apply for a suitable free attorney. All an individual has to do is get on the Madison County Courier website. This can be accomplished through any public library. Additionally, the county courthouse has a law library with online access, too.

 

Once on the website, a quick form must be electronically filled out. There are no costs associated with this form. This form is also broken down so that the least educated person is able to understand it. Some financial information needs to be submitted to the secured database. Once this happens, the person applying for a free lawyer will instantly know if they qualify or not.

 

Upon qualifying, the applicant will receive names of several attorneys that can represent them for free with no hidden fees at all. This information further includes the history of the attorney, whether good or bad.

 

Attorney Jeremy L. Goldstein is very happy with this service. Attorney Goldstein has represented many people on a pro bono status. Sadly, he has observed pro bono attorneys take advantage of many people; this could be by charging hidden fees or not doing a good job with the representation.

 

Jeremy Goldstein wanted to make a program that would ensure people in a pro bono status a good attorney for no money at all. Jeremy hopes more lawyers will join the pro bono staff within the next few months.

 

Eric Lefkofsky Provides Hope to the Future and Family

Eric Lefkofsky is known most commonly by his impressive works at Tempus Inc., which he resides as the Chief Executive Officer as well as the Co-founder of the company, but before all of his wild success, Eric Lefkofsky was a perspective lawyer who attended the University of Michigan from 1987 through to 1991 and then the University of Michigan Law from 1991 through till 1994 where he accomplished earning his Juris Doctor also known as the JD.

Upon his graduation and accepting his law degree, Eric went on to move to the Chicago Area where he quickly managed to create his own company known as InnerWorkings back in the year 2001 of May. Upon getting the ball rolling in his career, Lefkofsky developed a hunger inside of himself for the pursuit of change and power in the world, believing that with enough power he could eventually help support as much progress as possible.

Later moving on to start up a second company, Eric founded Echo Global Logistics in 2005 and then later on again he came up with yet another phenomenal idea when he brought MediaBank to the world as its Founder as well. Not wanting to stop there, Eric Lefkofsky put one foot in front of the other and continued to pursue greatness with even yet more brilliant ideas, going on to become the Co-Founder of Lightbank and Groupon, two of his most famous creations.

Deciding it would be a foolish career move to waste his awesome momentum and wanting to continue on with his impressive entrepreneurial stride, in January of 2014 he Co-Founded a new company that goes by the name of Uptake which he still currently actively takes a great part in. A year after the discovery of Uptake, Eric Lefkofsky created his most recent and most highly esteemed company known as Tempus, Inc., where he and his team work with passion in their sciences to eradicate cancer through finding a cure and in the process also finding overall far better treatment options that are less dangerous and incredibly more reliable.

Today, Eric Lefkofsky resides in the Greater Chicago Area as a highly respected pillar of his community, not only for his work in the fight against cancer, but also in his impressive assistance in the everyday family’s home through the private foundation which he Co-Founded known as Lefkofsky Family Foundation which works to improve quality of life.

 

A User’s Review Of WEN by Chaz

As much as you might love seeing the hair you might dream of having on a TV commercial for a hair conditioner brand, you’re probably much happier if you know that the product actually does its job and isn’t just hype. Well when it comes to Wen you can actually take their word for it that it does improve your hair. But if you want to take someone else’s, you might want to know what this user had said at Bustle.com.

In her experience, WEN by Chaz did help her normally frizzy and greasy hair feel smoother and softer. Also she mentions that you don’t have to worry about losing strands when using it, and if you want a product that can give you confidence while at work or spending a night on the town, WEN by Chaz can definitely do that for you. The only downside she mentions is that it’s best for users who plan to shower and use the conditioner every day as opposed to those who like skipping days.

The founder of WEN is Chaz Dean, http://chazdean.com/, a photography enthusiast who also loves turning hair into a beauty to behold. He pursued his passion for hairstyling at a cosmetology school in Los Angeles and experimented with different hair conditioner products in order to create something new and unique. Soon he had patented what he deemed the perfect shampoo and conditioner combination and began using it at a salon he opened. Today the salon serves some famous celebrity clients.

WEN by Chaz is primarily sold online via Wen.com, but if you have a Sephora or other authorized retailer in your area you can purchase the products there as well. All products are made from natural oils and nutrients and come in three scents of lavender, pomegranate and sweet almond mint. You can buy WEN by Chaz in the basic kit if you only need the shampoo, conditioner and mousse, but if you also want the gloss and mist you can get the deluxe kit.

Visit the Wen Facebook page for more info.

 

Julie Zuckerberg Thinks That The Technology Assures Hassle-free Talent Acquisition

Julie Zuckerberg, the Executive Talent Acquisition Lead of Deutsche Bank, believes that the talent acquisition process in future will be much simplified. She attributes the technology developments in the recent years have drastically reduced the recruitment life-cycle. She also thinks that the technology innovation will reduce the complexity of the talent acquisition and also bring the best talent available in the market. As a Talent Acquisition Lead and someone with decades of experience in recruitment, she uses the technology means to get the required people for her firm. In an increasingly competitive world, finding the best talent is not always easy, but using the LinkedIn and other kinds of social media platforms are making hiring easier. The implementation of artificial intelligence can make the profiling and shortlist much easier when it goes for a mass recruitment drive, or the number of applicants is much higher.

 

In Deutsche Bank, Julie takes care of the talent acquisition for various verticals including Asset Management, GTO, and Private Wealth & Commercial Clients. She actively participates and leads the negotiation and offer for Managing Director level recruitments by including key function stakeholders and material risk-takers in the process. She is providing the strategic direction and required coaching to various recruiters, recruiting coordinators, and sourcers. She is regularly consulted by the senior leadership of the bank to implement the best recruitment practices and improve the efficiency of the total recruitment process. She also works on strategies that are aimed at bringing the best talents into the firm. She joined Deutsche Bank in April 2014 as Vice President Executive Director and took up various responsibilities from shaping the recruitment strategy to training various recruitment teams. She was also managing the external search firms and other organizations including their contracts and other business relationships to ensure sourcing high-quality talent pools available for the firm to recruit. She was elevated to the current role in November 2015.

 

She started her career with Hudson as the Director of Candidate Placement and took care of recruitments of case managers, paralegals, attorneys, etc. Later, she joined City as Vice President Executive Director, where she took care of various responsibilities from advising the senior business leaders on competitive markets, recruitment strategies, and compensation trends, to managing different sourcing firms including contract maintenance, fee selection, firm selection, etc. She also worked with New York Life Insurance Company as Experienced Hire Recruiting Lead for a short duration before joining Deutsche Bank. She completed her graduation in Philosophy from City University of New York-Brooklyn College and also did her J.D. from New York Law School. Her hobbies include photography, technology knowledge, running, and arts. She has keen interests in human rights, animal welfare, economic issues, civil rights, science, and technology. She is also actively taking part in many charitable contribution campaigns during her free time.

 

Julie Zuckerberg, the Executive Talent Acquisition Lead of Deutsche Bank, believes that the talent acquisition process in future will be much simplified. She attributes the technology developments in the recent years have drastically reduced the recruitment life-cycle. She also thinks that the technology innovation will reduce the complexity of the talent acquisition and also bring the best talent available in the market. As a Talent Acquisition Lead and someone with decades of experience in recruitment, she uses the technology means to get the required people for her firm. In an increasingly competitive world, finding the best talent is not always easy, but using the LinkedIn and other kinds of social media platforms are making hiring easier. The implementation of artificial intelligence can make the profiling and shortlist much easier when it goes for a mass recruitment drive, or the number of applicants is much higher.

 

In Deutsche Bank, Julie takes care of the talent acquisition for various verticals including Asset Management, GTO, and Private Wealth & Commercial Clients. She actively participates and leads the negotiation and offer for Managing Director level recruitments by including key function stakeholders and material risk-takers in the process. She is providing the strategic direction and required coaching to various recruiters, recruiting coordinators, and sourcers. She is regularly consulted by the senior leadership of the bank to implement the best recruitment practices and improve the efficiency of the total recruitment process. She also works on strategies that are aimed at bringing the best talents into the firm. She joined Deutsche Bank in April 2014 as Vice President Executive Director and took up various responsibilities from shaping the recruitment strategy to training various recruitment teams. She was also managing the external search firms and other organizations including their contracts and other business relationships to ensure sourcing high-quality talent pools available for the firm to recruit. She was elevated to the current role in November 2015.

 

She started her career with Hudson as the Director of Candidate Placement and took care of recruitments of case managers, paralegals, attorneys, etc. Later, she joined City as Vice President Executive Director, where she took care of various responsibilities from advising the senior business leaders on competitive markets, recruitment strategies, and compensation trends, to managing different sourcing firms including contract maintenance, fee selection, firm selection, etc. She also worked with New York Life Insurance Company as Experienced Hire Recruiting Lead for a short duration before joining Deutsche Bank. She completed her graduation in Philosophy from City University of New York-Brooklyn College and also did her J.D. from New York Law School. Her hobbies include photography, technology knowledge, running, and arts. She has keen interests in human rights, animal welfare, economic issues, civil rights, science, and technology. She is also actively taking part in many charitable contribution campaigns during her free time.

Alexei Beltyukov Remarkably changes Education

Alexei Beltyukov is a citizen of Russia who majors in entrepreneurship. Mr. Alexei is a genuine philanthropist. He is a degree holder in business and medicine. Mr. Beltyukov sought after his business administration instruction in INSEAD School of business. In his lifetime, Mr. Alexei has propelled some active organizations.

According to Angel.co, Alexei Beltyukov is the Chief Executive Officer and the President of Endemic Capital as indicated by CrunchBase. He established the firm in 2013. The endemic Capital firm is a company that offers counseling services to the Russians.

He heads a venture club, Mechanicus business, and the progressed new advancements in Gas services. As of now, Mr. Alexei acts as an official on the FORO Energy Enterprise Board of Directors.

The prnewswire.com made a discharge on the key arrangements set to the starting of SOLVY.com by official Alexei. As indicated by the distribution, the news was taken by Yahoo Finance; Mr. The instructor day of the SOLVY.com consolidated some specialized facilitators, educators, and heads to lead the entire procedure.

Alexei Beltyukov makes the broad scope of instructive improvements genuinely by updating his enterprise abilities. SOLVY.com will be an effective move made by Alexei as the product has as of now pulled in consideration of innovative, instructive specialists.

SOLVY.com was ranked as one of the powerful new companies ever accomplished in the field. The product is an online task for secondary school understudies. The product gives instructors customization alternatives in an efficient manner that supports every one of the general population using the platform.

The platform empowers dynamic personalities as understudies can’t choose various decisions in their worksheet. The product permits just a single answer, where understudies clarify how they touched base at the appropriate response. Learn more about more Alexei Beltyukov:  http://www.eurohockey.com/player/67688-alexei-beltyukov.html

Alexei Beltyukov showed that the essential point of setting the SOLVY.com startup was to improve understudies learn how to take care of numerical issues. The product will enhance instructors work by offering a core strategy for checking the understudies’ advance in tackling issues.

SOLVY.com gives strategies for taking care of problems as on account of this present reality circumstances. The product permits understudies to approach a problem in various ways and touch at a similar answer. The product contrasts with other online courses as it offers indications and criticism to the understudies.

The Truth Behind FreedomPop and its Services Offered

Typically, when we receive a free offer, our first response is to ask “what’s the catch?” Often times, it’s rare to find a product or service that is offered for free without any contingencies or backlash whatsoever. However, a company named FreedomPop has attempted to defy all odds and offer a limited mobile service that users can enjoy without spending a penny. Peaking our curiosity, we’ve compiled this FreedomPop review and overview article to catch you up to speed.

 

Simply put, FreedomPop can be best described as a mobile carrier that has a free option for its clientele. More specifically, the cell phone carrier offers up to 500 MB of 4G data, 200 minutes of voice and unlimited text messaging on its free tier plan. Of course, there are a number of overage charges that can occur if you do bypass these limits, so it’s something to consider.

 

However, it should be noted that the company also does offer a number of paid cell phone service plans for those who are interested in using more of the network throughout the month. Some of these plans include:

 

$5 Per Month Plan (Wi-Fi Cell Phone Service)$10.99 Per Month Plan (Unlimited Talk and Text, 500MB of Data)$20 Per Month Plan (Unlimited Talk and Text, 1GB of 4g Data)

  • $5 Per Month Plan (Wi-Fi Cell Phone Service) – for a mere five dollars per month, an individual can use unlimited voice, text, and data when connected to a Wi-Fi network.
  • $10.99 Per Month Plan (Unlimited Talk and Text, 500MB of Data) – users can talk on the phone as long as they want and send as many text messages as they like while they’re on the go, without it eating up their data bandwidth.
  • $20 Per Month Plan (Unlimited Talk and Text, 1GB of 4g Data) – if 500 MB of data is not enough for you, you may want to consider the $20 per month plan, offering 1 GB of data for you to enjoy on 4G. However, if you surpassed the 1 GB of data, your data speed will be reduced to 3G speeds but you have unlimited data. In essence, this plan offers virtually unlimited everything at an affordable rate.

 

FreedomPop allows users to bring their own device or offers the option of purchasing a new cellular device when entering their network. Due to the fact that all mobile plans are offered without any commitments, users who are interested in purchasing a new mobile phone must pay the entire price up front.

 

Overall, users who are interested in a truly free mobile network, FreedomPop is a no brainer. Due to the fact that users can bring their current mobile phone to this network, there are no long-term commitments, and there are no strings attached, this is a great solution for those who do not frequently use their mobile device. However, for those who consider themselves to be frugal and are looking for a truly limited plan with no commitments, the $20 per month pays you go plan may be something to consider.

E-cigarettes Can Damage Gum Tissues (A research published by Ontarget)

Oncotarget is a worldwide associate evaluated diary, which concentrates on the obsessive premise of all cancer illnesses, treatment potential target and conventions of treatment which are trailed by the change of patients with cancer.

Research released by Ontarget concludes that electronic cigarettes damage the gum and teeth like regular cigarettes. The analysis conducted by scientists from the University of Rochester Medical Center, U.S was analyzing the effects of e-cigarettes on both cellular and molecular levels. The scientist on bioxbio.com discovered e-cigarettes release vapors that emit inflammatory proteins and causes stress within the cells. Imposing pressure on gums damages the cells, causing oral diseases that develop regarding how the user smokes the e-cigarettes. According to Fawad Javed, a co-author of the study on msubmit.net, a substance called nicotine, which causes oral diseases is contained in e-cigarettes.

A study by researchers from the University of Laval, Canada showed that cells of the mouth die within days when exposed to vapors from e-cigarettes. The team verified the results after exposure of epithelial cells from gum tissues to e-cigarette tissues. No study has established the long-term effects of smoking e-cigarettes. But, Dr. Mahmoud Rouabhia who led the research stated that there is increased chances of inflammation and infection by the gum diseases once the defensive block of the mouth is damaged. There could be chances that a prolonged smoking of e-cigarettes can cause cancer. However, the scientist are still working on proving this statement on ncbi.nlm.nih.gov.

Oncotarget focuses on the impact of cancer management programs, emerging therapeutic agents and conventions based on the patient’s point of view such as satisfaction, quality life, and adherence. Oncotarget uncovers new and existing treatments that are evident in regards to the change of results. Also, the journal tries to characterize their use concerning take-up and acknowledgment by cancer patients and the healthcare providers.