David Giertz On Social Security And Retirement Planning

When it comes to financial advisors, David Giertz is considered one of the best in the business. As president of Nationwide Financial’s sales and distribution organization, Mr. Giertz has seen the company grow from $11 billion to $17 billion since 2013. Prior to this, he worked as a financial advisor at Citigroup, eventually becoming Executive Vice President of Sales.

With 31 years of experience and four exams under his belt, he is definitely an authority in this field. He is also a FINRA-certified broker. He holds an Executive MBA from the University of Miami, and a Bachelor of Science degree from Milliken University. On top of all that, he is also a respected business coach who advises people all over the world.

This is why, when he gives a piece of financial advice, people tend to listen. And lately, he is saying a lot about the importance of Social Security to a good retirement plan.

In a video interview with The Wall Street Journal, Mr. Giertz emphasizes the need for financial advisors to focus more upon the subject, saying that most advisors today are not doing enough to inform people about the way that the Social Security system works.

David Giertz told columnist Veronica Dagher that Nationwide’s financial retirement institute had conducted a survey among consumers who were either retired or near retirement. The study, he explained, found that the majority of financial advisors were neglecting this particular subject. The survey also found that a client was more likely to seek out a different advisor if their current advisor was not addressing the Social Security issue.

When asked why advisors were avoiding this subject, Mr. Giertz pointed out that the Social Security system has over 2700 rules, and represents an extensive and complex area of study. He implied that many advisors simply didn’t feel confident working around all those rules. Nevertheless, he tells his colleagues not to neglect this issue, as Social Security benefits can often represent up to 40% of a person’s income upon retirement. He said that the study also showed something else: that a person can lose as much as 300,000 dollars in Social Security over 25 years, if they file for it too early.

The bottom line is that, if your financial advisor is not keeping you well-informed about your Social Security, you might want to consider finding someone who is better able to navigate smoothly through the ocean of regulations that is the Social Security system.

Paul Mampilly Says to Ready Yourself for a Huge Bull Market

Get ready for a huge bull market! Paul Mampilly is predicting that the Dow Jones industrial average will reach an all time high of fifty thousand points. Even more, fifty thousand points is just the beginning. He expects the Dow Jones to continue climbing even higher than that in the future.

Paul Mampilly is basing his forecast on two huge megatrends that exist in our time. The first trend is how the internet of things is becoming more and more popular. The second trend is the rise of the millennial generation. Already, the millennial generation is contributing to the economy and driving the stock market in a certain direction. Many startups are geared towards these millennials. Millennials have contributed to the rise of social media. They will buy new technologies.

Paul Mampilly says that right now, we are experiencing 1982 all over again. That is when there was the greatest bull market in American history. It had to do with the same two things going on. There was the emergence of computing, and there was the emergence of the baby boomer generation.

The internet of things is going to impact all companies. It will lead to more productivity. There will be more efficiency. Companies will have no problem getting things done easier and faster. This means that prices will go down, even while production will be going up. This means great news for the economy in general and the stock market.

The millennials are also going to play a large role in the stock market boost. They are now at their peak earnings and income power. This means that they will start spending more money on new stuff, especially new technologies that appeal to them. The millennials are already starting to change the economy in the same way the baby boomers changed it in 1982. There are ninety two million Americans who fall under the category of millennials, so you should not underestimate their impact.

Paul Mampilly says that you should not listen to those who say the stock market is going to crash. These are the people who said the same thing in 1982.

Paul Mampilly won the Templeton Award for bringing a 76% ROI on his investments. He founded Profits Unlimited and Capuchin Consulting. He writes and is an editor for Banyan Hill Publishing.

To know more visit @: banyanhill.com/expert/paul-mampilly/

Meet Jed McCaleb: The Man Behind Stellar

Different investors shine in various lines of businesses based on their passion and interests. For Jed McCaleb, he is interested in empowering technology to improve the human condition and their efficiency. Jed innovated the most prominent file sharing system years back, eDonkey. Jed also invented the first Bitcoin exchange; Mt. Gox. He then founded ripple in 2011 and is currently developing Stella.org which he founded in 2014. He is also an advisor at MIRI, a foundation that researches on artificial intelligence.

The presence of Bitcoin inspired the Stellar. However, the organization aims at linking financial conglomerates and enhancing cheaper and convenient was of sending money. Jed explains that this will be very beneficial to the low-income earners who are not banked while sending money.

Jed’s likes to explain his day with two modes. He says he got the focused mode and the reactive mode. The active mode is when he is concentrating on the micro activities in the business. This includes; replying emails and responding to requests. The focused mode is when he concentrates on coding and building.

One trend that excites Jed is the Artificial intelligence. This is why he is a donor and an advisor of Machine Intelligence Research Institute (MIRI). He says that the artificial intelligence is scary and exciting at the same time. According to Jed, 20 years from now, the AI will solve so many issues for humans and make everything easier.

Jed says that one factor that makes him productive is spending a lot of time in planning and strategizing. He says that it is useless and pointless if you are continually putting so much effort moving in the wrong direction. Also, when his building something, he is so careful to see that he doesn’t focus on the detrimental factors. He only focuses on the essentials.

Jed’s advice to the young investors is contradictory from the norm in business but very true. He tells the young investors to stop focusing on the niches and concentrate on new ideas that would impact the world. As much as it sounds harder than finding a niche, he says it has bigger rewards than filling a gap as well.

Listen to Jed McCaleb: https://www.youtube.com/watch?v=GIMOrsPxlZg

Joel Friant and the idea behind the Original Habanero Shaker

When Joel Friant began his career working as a real estate salesman, he had no idea that it would lead to him sharing the secrets of success with other business minded people.

Joel left his original job as a real estate salesman to test his new restaurant idea. He opened the first Thai fast food restaurant in 1995, and it rapidly rose in popularity. His customers couldn’t get enough of the exotic cuisine and Joel had an idea for a way to send the spice of his restaurant to the homes of his customers.

Joel perfected a new method with which he could dry and perfectly flake habanero peppers while retaining their spice and smoky flavor. He called his new product the Original Habanero Shaker and it was picked up by some major grocery retailers in the state of Washington.

Joel then decided to return to his initial line of business and once again became a real estate salesman. He shot to the top of the lost if best salespeople and soon opened a branch office of his own that offered mortgage loans for real estate customers.

In 2008 Joel and the rest of America were subjected to the financial crisis. Joel took this disaster as an opportunity to learn what business practices lead to success and what business practices don’t. Through his studies, Joel developed what he called the Income Thermostat along with several other plans for success.

Joel began to teach his methods through seminars and published writings. Those who listened to Joel’s advice soon found themselves achieving business success.

Joel still coaches others to success. He is now focusing on capturing cryptocurrency as a way to fund businesses and other ventures. He also continues to focus on his product the Original Habanero Shaker by putting it in new markets.

The Oxford Club’s Investment U Teaching Investors Wise Investments

When it comes to looking for a network of entrepreneurs and investors, Oxford Club is an educational investment. With their knowledge of the stock market, they’re able to provide time-tested principles and strategies to help their members outperform the stock market. They offer advice on where money should be invested such as cover stocks, precious and base metals, real estate and more. Their mission is to help their members have knowledge that puts them ahead of the average stock buyer.

Their knowledge comes from the research team that has spent three decades of experience to predict the best investment opportunities with the biggest returns and least returns. From their research, they can provide a strategy that can help investors have a wealthy retirement. However, with the stock market, no investment is guaranteed, but the Club can help their members make calculated risks with their money.

When it comes to their techniques, they separate their investment strategies into four categories: having a diverse investment portfolio wisely, having an exit strategy, how much to invest in various stocks, and using only as much money as necessary and not overspending.

Alongside courses on financial investments, there are opportunities to network with other investors and ask about their investments. This will help new investors with making wiser choices and have mentors in the process of their investing. There are also opportunities to connect with financial advisors or go around the world to grow their investment portfolio and knowledge.

Investment U is an arm of The Oxford Club aiming to educate their members on the best practices to follow when making any investment. This prepares the investors for making the best low-risk high-reward investments for their financial wealth in the future.

The Oxford Club was founded in Baltimore and has over 80,000 members in over 100 countries. With their vast knowledge of the stock market, their membership base continues to increase due to their time-tested tips. Alongside the membership, members receive a monthly newsletter recapping research services and recommendations about trading. Members also receive information about financial seminars and other similar events that are taking place. Depending on the membership level, investors choose there will be different perks.

Follow the Oxford Club on Twitter

Siteline Cabinetry Is a Breath of Fresh Air From Start to Finish

The Corsi Group started Siteline Cabinetry in 2015 to make the overwhelming task of kitchen remodeling a breeze. Siteline Cabinetry boasts a short lead time of only four to five weeks to make custom cabinets. These cabinets are made to fit your space and come in 289 designs and finishes. Customers can choose from over 45 materials and wood species when designing their cabinet doors as well. Siteline Cabinetry boasts competitive pricing without sacrificing top service and speedy turnaround time.

Attractive storage solutions in the kitchen and bathrooms can greatly increase the look and value of any home. The color scheme, functionality, and design of the home’s cabinetry should support the overall theme of the kitchen. With open floor plans growing in popularity it is more important than ever to ensure the kitchen cabinetry is attractive as well as functional, since it will be on display in the main level.

Besides growing more attractive, kitchen cabinetry has come a long way with creative storage solutions. Customers can choose specialized drawers and cabinets with Siteline Cabinetry to easily organize everything from spices to cooking pots. Modern kitchens can include charging stations for electronics, or deep drawers that allow pots to be stored with vertical slots for their lids. Customers will be pleased with the convenient storage options available. The cabinet and drawer layout can improve the functionality of the entire kitchen and eliminate the headache of poorly utilized space. The days of digging through lots of equipment in order to find the right kitchen tool are over.

Siteline Cabinetry stays competitive by using state of the art manufacturing equipment and processes to construct quality cabinets in the United States. The quality tools they use don’t just cut down on production time, but also ensure durable and well-constructed pieces. All of Siteline’s products come with a limited lifetime guarantee. Furthermore, all staff working with Siteline Cabinetry are friendly and knowledgeable. Every style preference is accommodated from traditional to modern. Each Siteline Cabinetry dealer will work closely with customers to ensure the right cabinetry is designed and delivered.

Finding Your Niche

Many people are looking for ways to expand their investments that they are involved in. Over time, Arthur Becker is one of the leading people who is excited about the future. If you are ready to start making a difference in the lives of other people, Arthur Becker is the person to work with. Not only that, but he is excited about the changes that are starting to take place in his area in terms of real estate. He has a plan for the future, and many people are looking up to the hard work and the success that he is having.

Real Estate

If you want to have success in real estate, you have to be able to act quickly. This is one of the biggest issues that many people face in this area. If you cannot make a quick decision, it is going to be difficult for you to make the right decision financially. Over the years, Arthur Becker has proven that he has the experience you need to help other people take things to the next level. Now is a great time to start preparing for the future in a variety of ways. If you are ready to start the process of investing, this is a great way to get started. See also.

Arthur Becker

From the time he started in real estate, Arthur Becker has always wanted to help others. That is why he is so excited about some of the projects that he is working on in this area. If you want to build wealth, he is a great person to work with. Not only that, but he can give you the advice that you need to make a positive impact in the lives of others. Arthur Becker has worked with a lot of people on how to build wealth over time. If you are ready to take that next step, just make sure you have the plans in place that make sense for your current situation.


Josh Verne: How to Get Out of Your Own Way and Succeed in Life and Business

Josh Verne is a U.S.-based entrepreneur and businessman. He is a man of experience and vision, for this reason, his knowledge in leadership matters has enabled him to found and sell more than 50 companies in the United States. Josh Verne is the current Chief Executive Officer and President of FlockU.com. According to Josh Verne, Vision is the art that lets few people see what many other people cannot see while standing. There are few principals which should guide a young person to attain success in life and business. They include:


  1. Listen more, speak less

When you look at this point, you can get its sense instantly. A normal human being has only one mouth and two ears. For this reason, you are to use these two organs in their proportion. You should listen two times and speak once. This is because you will have more authority in your words whenever you speak less and listen more. People tend to listen more to people with power. For this reason, practice this principle and develop your future in success.


  1. Do what gives you passion

There are many people out there who engage in doing things that never give them passion. For this reason, they have a higher percentage of failure than success. For those who want to succeed in whatever they do, let them choose what gives them passion. Whatever gives you passion will make you wake up early and sleep late without any concerns. For those who don’t have passion and engage in waking up early, they will become the most miserable people the world has ever seen. Passion will make you sleep late doing what gives you profit even when there are problems.


Sometimes, doing what gives you passion makes you skip parties.


  1. Strike a balance in life

According to the words of wisdom, life is a balancing act. As much as you can be the richest person in life, you will suffer if your home and life are out of order. On the other hand, you will be miserable if you make less money that your family requires for its daily upkeep.