Why Financial Pro David Giertz Can’t Stress Enough That Financial Advisors Need To Address Social Security

David Giertz is a Columbus, Ohio area businessman who work in the financial industry. He has an undergraduate degree in business administration and management which he earned in 1986 at Millikin University. In 2002 he went back to school to get an executive MBA which he earned at the University of Miami – School of Business. He is a FINRA registered broker. As such he can manage the investment portfolios of his clients.

For several years he lived and worked in Southern Florida. After graduating with his bachelor’s degree he became a financial adviser. He spent more than 10 years working for Citigroup Inc. He was eventually promoted to Area Director and then attained a position as an Executive Vice President of Sales.

In 1999, David Giertz joined Nationwide Financial Institution. He worked in their Fort Lauderdale office for a number of years. He earned steady promotions and was eventually made a president of the company. When he first earned this role he moved from Florida to Colombus, Ohio. He ultimately led their division that handles the sales of life insurance policies, annuities, mutual funds, and retirement planning.

As a financial advisor himself, David Giertz always stresses to other financial advisers that they need to look out for their clients when it comes to them taking social security. He says that most people left to their own devices will mess this up and leave hundreds of thousands of dollars on the table. The biggest mistake most people make is starting to collect as soon as possible. The problem with this is that if you wait until at least full retirement age, 66, you will get a much bigger check each month.

As someone who has extensively studied the rules about social security himself, he says it is extremely complex. There are 2,700 different rules which means that many, if not most, financial advisors just don’t want to talk about with their clients. He says that he is always stressing to any financial advisors working under him that they need to study social security and help their clients address it to the best of their ability.

Edtech’s Necessary Steps to Successful Adoption by Schools

Recently an article was published indicating what an Edtech product needed to be a number one pick by educators. According the Pitchbook’s Account Edtech Poducts are on an upswing and expected to have sold 1.4 billion by the end of 2017. With the U.S. federal education budget facing cuts in 2018, it stands to reason there would be a need for a supplement and Edtech should fit that bill. Still, Edtech hit an all time high in 2015 of $1.5 billion, a 4-year low in 2016 and its sales are finally starting to climb again.

Certain Edtech startups are getting a boost, especially if they have a strong technology connection. Companies that are benefiting right now include LittleBits, a coding tool, which became a number one pick at the 2017 National Principal’s Conference. After a $21 million capital infusion, NearPod released 300 new digital lessons. Gamification is another platform that is showing a boost in growth as is evidenced by the popularity of Classcraft, which received an early-stage investment of $2.8 million.

This is changing the dynamic between teachers, parents and students. There’s now a new empowerment being afforded to parents and teachers. The process of educating has a new communication platform. The main thing for marketing professionals to focus on is getting teachers to see their products’ value. At present, only 59% of teachers believe the tech that’s available meets the needs of the student according to a recent survey performed by the Bill & Melinda Gates Foundation.

Successful Edtech Needs to Do the Following:

  1. Meet a Need
  2. Tested and Proven
  3. Prove Itself by Being Used
  4. Many Edtech programs fail to consult with teachers to discover what they are doing to make the subject interesting for their students. Entrepreneur, Sam Chaudhary worked with teachers to develop his product, ClassDojo. As he was developing the product he consulted with parents, teachers and students. As a result of his grass roots approach, he was able to meet a real need. With ClassDojo, teachers were able to show the students progress. Now, 90% of U.S. K-8 schools use ClassDojo.
  5. With so many Edtech products flooding the market, teachers are unsure where to invest their monies. Because of the abundance of choices, Edtech accelerators were created. Now, there are testing grounds for the new products. These testing grounds prove the validity of the Edtech and help direct he perfect classroom for the product.
  6. Edtech startups need to realize, “If you build it, they will come” is just a quaint saying. It’s not the reality of teaching live students. With internet access virtually nationwide, teaching students with Edtech is easier, but not full proof. Schoology uses the iPad and they added continued support to make sure the teachers received every aid needed to get full service from the product. Schoology worked closely with the teachers and helped them use the iPad for customized student instruction. Now, the teachers love Schoology.

The Task Of Child Education Network and Private Developing With Specialist Felipe Montoro Jens

Once it is all said and completed, this venture that is ongoing for Rio’s Child Education Network is no minor one by any means. This development is depending on many different groups to come together in a harmonious fashion to accomplish what needs to be done.

Formed in 2004, the agreement signed established various guidelines for the Public Private Partnership within this public administration and about the Child Education Network. Felipe Monotoro Jens explains this and more with regard to the parties involved and the development of the public administration as well as the private partners.

The IFC is compensated to the tune of R $2.3 million and as clarified by Felipe Montoro Jens,is working thoroughly to ensure every level of construction is done in harmony with set goals. The International Finance Corporation, is in charge of the facilities through a Public-Private Partnership.

A study was created for Rio de Janeiro. A way to fulfill needs in the current setup was to construct, maintain, and provide services to increase each particular child care network development. Step two to this expansive network was the 20,000 new places in day-care centers and 40,000 new places in pre-schools.

A partnership between the IFC and Public-Private partnerships in Rio de Janeiro is very significant to the current administration. Participants, workers, as well as children, would profit greatly from a successful partnership such as this. Felipe Montoro Jens is a specialist in this field and has closely monitored the current developments.

The capital of Minas Gerais was one that was greatly supported by the current mayor of Rio de Janeior Marcelo Crivella. The private sector created a project that involved the upgrading of the quality and quantity of child care places, and was completed in July 2012.

Dr. Rod Rohrich Career in Medicine

Dr. Rod Rohrich is one of the most respected medical professionals in the world today. During his career, he has helped thousands of patients with their health issues. He also generates online content to teach other people about his findings.

One of the unique things about Dr. Rod Rohrich is that he focuses on healthy lifestyle habits. Many medical professionals prescribe medicine for common ailments. Although he believes in the power of medicine, he also wants his patients to try natural remedies. Natural remedies and less expensive and less invasive than modern medical options.

Going to College

When Dr. Rod Rohrich attended college, he had no idea what he wanted to do for a career. He started out learning about finance and economics. He quickly decided economics was not the right career path for him.

Medical school was challenging, and he worked multiple jobs to reduce his school loans. He also gained valuable experience during this time. When he finally graduated from medical school, he landed a position at one of the best hospitals in the country. He was able to learn from prestigious doctors at this hospital.

Online Content

Dr. Rod Rohrich likes to research various medical issues. He also enjoys writing content online for other people to enjoy. He started teaching a few classes each year at his local college.

Dr. Rod Rohrich enjoys mentoring young students. He believes this is the best way for the medical industry to improve in the years ahead. He teaches clients to eat a healthy diet and to exercise regularly. He also practices healthy habits in his personal life. His healthy lifestyle is one of the reasons that he has so much energy to work long hours each day. Dr. Rod Rohrich is a positive influence on the entire medical community. Follow Rohrich

Heal and Soothe, Herbal Supplement for Joint Pain Does It Really Help?

Anyone who has ever suffered from joint pain is well aware that the feeling is all too real and very painful. You can go from doctor to doctor and get any number of test and solutions to the problem but, for many people these treatments are temporary and some are costly. Seeing all of those doctors can be needed but costly too. There are a few things you can try while waiting of the advice of your doctor. One of the highest sought after herbal supplements for joint pain is a product known as Heal and Soothe. Many people wonder if it is worth the money and if it works.

It is important to understand that many times pain is chronic and it is caused by inflammation. Heal and Soothe is a herbal supplement that acts as an anti-inflammation product. This simply means that it helps to stop the internal swelling that is causing the pain. One thing that people love about Heal and Soothe is not just that it helps with the joint pain but, it is one hundred percent natural. This means there is no danger of a drug overdose because it isn’t a drug. There is no need to worry about liver damage or kidney damage or any organ for that matter. A natural supplement is much easier for the body to handle. Having said that it is important that you follow the instructions.

You might wonder what Heal and Soothe is made from. It contains 12 ingredients that are natural. These all work together to fight off and block the inflammation that is working hard to cause you pain. With an easy to read product label, the ingredients are listed along with what they do. Heal and Soothe has been used by people with arthritis and other diseases where there are pain involved and many people report seeing great results and feeling better while using the product. There are also systemic enzymes that are beneficial for treatment of inflammation. As the body reacts to pain and the swelling starts, reducing that inflammation and reducing pain should be the primary goal and these enzymes help do just that.

Let’s face it, just knowing how it works and what makes up the product is not enough. You need to try Heal N Soothe and see if it works in your case. You can try it and be the judge for yourself. What do you have to loose besides a life of pain?

See Related Links: http://livingwellnutraceuticals.com/products/faqs-heal-n-soothe.html


USHealth Advisors Make Successful Businessmen Like Randy Hildebrandtt

What does it take for you to become interested in something? Do you find it easy to work on things or does it take an inspirational story to get you motivated and moving towards a goal? If so, then you have to know who Mark Brodinsky is.

Mark is known as the storyteller in business. He has had great experiences with people he knows and can tell a number of success stories. What he wants everyone to know is that the season for miracles should not be just any one time of the year. The miracle season should be throughout the whole entire year. There are miracles that occur each day and therefore the season of miracles should be celebrated every day.

What you should know is that each person who is on earth is a miracle. We are all miracles and this is what Mark wants everyone to know. He wants us to understand that miracles are a part of everyday. With the right skills and knowledge, its what you do with the knowledge that changes things.

If you turn to social media accounts to be able to be a witness to a miracle, instead of turning on your computer or smart phone, try looking in the mirror. The person standing there looking back, that person is a miracle. You can see a miracle everyday of your life.

One of the best stories that Mark knows is the USHealth Advisors Group stories. He knew a man who looked up to a sports icon and when he was ready to make a change, Mark knew just how to do it. Visit:http://www.ushagent.com/MARKDARROUGH

For Randy Hildebrandt, he looked up to Nolan Ryan. He had high hopes and expectations for his own life. He felt as though he simply did not have the drive to do something that would make him successful, until one day. On that day, Randy realized that he needed to put forth more effort to make it in the hectic world of business.

Randy took to uploading his resume to two websites and when he got a call by one of the companies, he took the opportunity to grow with the business. Since then, he has reached nothing but success with USHealth Advisors.

Read more on yelp.com about USHealth Advisors West Texas


Jeremy Goldstein: Proposing Other Benefits Alternatives

Jeremy Goldstein is a lawyer and a writer based in New York City, and in one of his recent articles, he explained about employee benefits and some alternatives to it. Companies today are thinking about the alternatives that they can provide to their employees when it comes to benefits. Most companies today are providing cash incentives, but there are some who thinks otherwise and provides alternatives to cash incentives. However, Jeremy Goldstein pointed out that the most viable alternative to cash incentives is the EPS platform, also known as the earnings per share platform. This system of employee incentive is based on the company’s ability to provide their employees with the company stocks, and allowing them to trade it for cash whenever they want to. It would also give the employees a chance to learn more about trading and how the stock market works. Learn more: http://jeremy-goldstein.wikidot.com/



Based on the analysis of Jeremy Goldstein, the EPS platform is the best employee incentive out there, aside from cash incentives. He pointed out that the EPS platform gives the employees a chance to have a flexible incentive, compared to other alternatives that could not change in value once they are given to the employees. Jeremy Goldstein, however, stated that the EPS platform has its advantages and disadvantages. As he outweighs the platform’s advantages and disadvantages, he found out that the benefits of having an EPS platform as a form of incentive outweighs its disadvantages, and he prompts the companies to shift to this kind of platform.



What happens to company stock when it is given as an EPS is that the value of the company gradually goes up, and it would help the investors who are buying stocks from them. It would also change the company’s image among the investors, showing them that they are a profitable company and that the investors should pour out their money to buy more stocks. It is beneficial to the company and its investors, and because more people will now be buying their stocks, the company would be able to provide more EPS to their employees and drive the value upwards. Another reason that Jeremy Goldstein pointed out is the psychological effect of providing an EPS to the employees as a form of incentive. Companies have noticed that employees who are receiving an EPS incentive tend to be more productive inside the office. They are expecting the reward after a hard day’s work, and because of the changing value of the incentive, the employee can earn a lot if they just study how the whole system works out. Jeremy Goldstein added that with the EPS platform being in effect in some of the largest companies on the planet, the trading industry would greatly benefit from it.


Mark Brodinsky , Sharing USHealth’s Success Stories

The USHealth Advisors is a company that is geared toward providing their customers with health insurance coverage while giving them a family like customer experience. The USHealth Advisors goes beyond their job descriptions. This health insurance company has also been helping different people around the world for several different reasons. The reason behind these random acts of kindness comes from the company’s CEO and President, Troy McQuagge. Almost ten years ago Troy McQuagge started a mission that he has named HOPE. HOPE is an acronym that means helping other people everyday. The company has raised money for wounded warriors and they have also helped with Hurricane’s Katrina’s relief.

Mark Broadinksy has created his own success story from being employed with USHealth Advisors. After he became employed with the company, he has been helping to write about share the success stories of other USHealth Advisor employees with other people so that they too can be inspired to do something.

The most recent success story that USHealth Advisors has created is the success story of Randy Hildebrandt. During Randy’s career he took several leaps of faith to become who he is today. When he was younger, he had his whole life mapped out very well. Randy Hildebrandt had always knew that he was going to become one of the best baseball players in the professional league. That dream was short lived, because Randy had injured his shoulder while playing baseball. After a successful surgery, it was determined that he could no longer have a career in that field.

Randy soon began to search for success in other places. He enrolled in college, even though he did not like his major, he still pushed through and graduated. He also had worked for companies that were several hundredth miles away from home. The success for Randy did not come until he met Troy McQuagge and became employed with USHealth Advisors. Randy enjoys the family atmosphere that USHealth Advisors provides to the customers. Randy is very happy that he kept his faith and decided to join USHealth Advisosrs, he has never been more happier.

Learn more:http://www.ushagent.com/MARKDARROUGH


Lime Crime’s Cosmetic Revolution

Lime Crime is one of the wildest, most eclectic cosmetic brands on the market today. This brand is very popular with individuals that under the age of 35. The cosmetics are vividly-bright, which matches the brand’s essence. Founder Doe Deere has found a winner, and she has taken this small startup business straight to the top of the ranks. Deere has used her ingenuity and passion to turn the brand into a success. Some of the wildest colors can be found here, which includes utopia, salem, black velvet, red velvet, saint, wicked, cashmere, pink velvet, cupid, mercury and many more.

LimeCrime has now made it into the Chinese marketplace. The company has already enjoyed major success as well as major riches right here in the U.S. If you want to grow, then you’ll have to expand and this is what Lime Crime has done. By doing so, the company has had to by-pass many frustrating hurdles. One of the main problems with selling your products to a foreign land are the logistics. Shipping, handling and processing can be a nightmare, especially if you’re a novice to the field. On top of that, cosmetics that are sold in China must be tested on animals. Of course, this is a major problem because Lime Crime doesn’t participate in this type of behavior. The company is vegan as well as animal-cruelty free. For by-passing the issue, Lime Crime has decided to sell its products through an online platform named Revolve. Revolve has come right on time because it’s looking to begin in the beauty sector of business.

Counterfeiting is at an all-time high in China, and the country has already counterfeited Lime Crime’s lip topper product. Revolve will be used to promote only authentic products, and the platform will be the only place to purchase the products. By using this platform, Lime Crime has been able to advertise its products to people who want authentic products.

End Citizen United Support For The Democrats

The Republican Party in Houston, Pennsylvania is fast losing its supports to the Democratic Party as more and more people get worried about how President Trump is ruling the country. A recent rally, many people from the small district, rallied behind Conor Lamb who is vying to represent them if elected at the Congress. The increased democratic support has for Conor under the Democratic Party is as a result of the increased criticism of the President. This criticism is based on the growing mistrust of the abilities of Donald Trump to efficiently rule without bringing division to the country among many issues facing his administration.

Democratic supporters want him out of office and have vowed to resist against him massively through turning up in large numbers to vote in Conor. In responding to his followers calls to action, Conor promised to carry their sentiments to Congress. Among the avid supporter of Conor was a long time Democrat Ted Skowvron who could not hide his support for the new resistant wave against Donald Tramp’s government. In his advice to Conor Lamb, Ted Skowvron advocated that Conor should eject tramp out office on being elected. He continued by saying if he did not do as told, he would go there to remove Trump.

The rising number of Democrat support has made Republican Party a bit worried, but they are still confident that they will nevertheless maintain their grip as it had contributed a large supported for Trump’s election. Tim Murphy, who is a Republican and the incumbent was unopposed as he ran in the election. It signifies the support that the Republican Party still enjoys.

As a renowned Political Action Committee, End Citizen United has caused a lot of political shock waves across the United States since it got founded in the year 2015. With a mission to end Big Money used to rally support by corporations to specific candidates with hidden agenda, advocates for financial reforms used during campaigns.

Its establishment was due to a Supreme Court ruling in 2010 Citizen United vs. Federation Election Commission that allowed corporations to be considered as one person when contributing their donations to candidates. End Citizen United view on this was a form of robbing the people their right to elect their leaders and giving the same power to corporations.

End Citizen United avidly backs Democratic candidates as their mission in fighting Citizen United is in line with their agenda. The Political Action Committee also gives its backing to other independent candidates who have a similar opinion about Citizen United.The primary source of money that is used by End Citizen United to facilitate the candidates they support gets obtained through contributions by people at the grassroots.