David Giertz’s concern about financial advisers who do not talk to their clients about social security

He is the Senior Vice President of the Nationwide Financial Distribution and Sales. David Giertz works at the Nationwide Life Insurance Company. He holds this position since 2013. He is also the Senior Vice President, President, and Director in other national firms. Between 2009 and 2013, Mr. Giertz served as the Vice President at FI/WH. He also served as a Bank Channel Manager from 2004 – 2009.

David Giertz regrets that yet advisers should talk to their clients about social security, most of them do not. With the help of his team, David conducted a survey for the Nationwide Financial Retirement Institute. He added that the survey participants were retired persons, who are majorly their consumers on wsj.com. David said that the results of the survey were shocking to him because these people complained of zero information from their advisers about social security.

Four out of five customers said that they could be willing to change their advisers if they met one who talks to them about social security. According to David, most of the advisers ignore the subject of social security because of its complexity. He added that social security has over 2700 roles on Finra. However, he noted that advisers do not have to delve into all the roles, rather, they can concentrate on the main roles that they feel affect their clients the most. This would be better than ignoring the whole topic at https://www.nationwide.com/about-us/040114-nf-new-mobile-app.jsp.

According to David, every client worries about the adviser that they choose because they count their retirement plan on White Pages on as an important asset and investment. Their adviser’s income is also part of their retirement planning process, and social security can cover up to 40 %.

From the survey, David also discovered that clients who turn to social security early could lose over 1000 dollars a month over 25 years. Social security, he says, is important so that clients can optimize their retirement incomes.

White Shark Media Optimization Search Engine

White Shark Media is a leading online search marketing agency, founded by three investors in the year 2011. It provides online marketing solutions targeting the small and mid-sized businesses. They deliver high quality and transparent management for its clients. White Shark Media has offices in the United States (US), Scandinavia, Denmark, and Central America. White Shark Media provides cost effective and reliable search engines to clients who advertise online. White Shark Media collaborate with Google for the provision of their services using Big Ads and AdWords search engines. It’s the fastest growing online marketers in North America.

White Shark Media has been an online boutique for clients in need of information and advertisement of their business premises. It’s a goal-oriented online agency making many companies achieve their targets by utilising the white shark’s search engines and marketing tactics. White Shark Media owns a software, proprietary reporting software, which tracks every client detail for accountability and creation of competitive intelligence in marketing. From the tested and implemented online search tools, clients are capable of getting manipulated data and saves them time and cash for strategic planning. White Shark Media has trusted and competent services. They have been having a norm of consistent customers all over the years.

 

In 2014, White Shark Media was awarded AdWords Premier SMB Partnership by Google Company, the global internet providers. White Shark Media has been an exempt organisation since then. The rapid growth of White Shark Media has brought to the employment of hundreds of workers, who work with Google Analysts in maintenance and development of AdWords and Bing Ads software. White Shark Media was then recognised by Microsoft being an authorised Bing Ads Resellers, which has brought White Shark into popularity.

Google and Microsoft know White Shark Media, to bring the most efficient online Agency for the provision of Bing Ads and AdWords searches.

Why Tammy Mazzocco Is The Right Choice To Make When Picking a Real Estate Agent

The housing market of Ohio has just ended the busiest year it has encountered since the year of 2005 in the month of December, even with a slowdown of sales on a nationwide level as colder temperatures of the winter approached.

Statewide home purchases were near 150,000 in the past year, which was an increase from the year of 2015 by 7.5%. Sales had risen by just a bit over that in the area of Northeast Ohio. It has certainly been a great year for the real estate market in the state. Sales in the month of December were 2.8% more than the year of 2015, while the area of Northeast OH and other markets had posted declines on an annual basis. The average sales price in the state of OH was up 4.8% from late in the year of 2015 at $159,531 in the previous month.

If you are unsure about who you may be able to contact if you are currently delving into the housing market, whether for the purposes of investing or purchasing, please feel free to contact Tammy Mazzocco on Facebook as she will be able to assist you with you purchasing and/or mortgage needs. Find a home can be difficult in an area that is doing much better than the entire nation as there are constant sales occurring, thus, potentially limiting the number of homes available for sale. However, Tammy Mazzocco is a Re/Max real estate agent who does her due diligence of adequate researching and analysis so that she can find a home that is most suitable for you wants and needs. Tammy Mazzocco has been working in the real estate market for a bit over 20 years now. Tammy Mazzocco is here to help you in finding a home that you can live comfortably in without worrying about paying too much for it.

Check out the following links for more information:

 

The Giving Heart of the DeVos Family

A recent article referred to the Dick DeVos contribution to the political arena as a pocket change. They made this analogy using the contributions that they have given for charitable causes. These donations are more than $ 139 million since they began their donation. The pair made a donation of $11.6 million in the year 2015 alone. These donations mean that the Dick DeVos family is the 24th most generous givers in the United States. The Forbes magazine recently announced that the family had donated a quarter of their wealth in the last 50 years. The donations are approximated at $1. 33 billion while the family wealth stands at $5.2 billion.

 

In all these donations, education is at the forefront. They also support groups that support education reforms. A 26 percent of their donations is estimated to go the education sector. The two say that they focused on education as they felt that the current system was not working well with the American Dream. The two acknowledge that there are teachers who have been doing well to support the system but believe that more can be done by improving the current system. Some of the beneficiaries of their donations include the Compass College of Cinematic Arts that is found in Grand Rapids, the Ferris State University, Northwood University as well as West Michigan Aviation Academy and Detroit Charter School Company New Urban Learning. The Rehoboth Christian School is also a beneficiary of their donations.

 

While making these donations, the pair say that they are aimed at helping people directly and should not be confused with political donations. They have even received the support of their children who usually urge them to contribute more. During the interview, Dick DeVos said that there was a time when his children told him that a contribution he was making was not enough to make a change. The family has also focused on fostering leadership development within the Chicago are. For this reason, they are known to support the Chicago-area megachurch. The participation of their children in the donations is something intentional as they often discuss the issue.

 

Dick DeVos was born 61 years ago, and he is the son of the Amway billionaire Richard Devos. Dick DeVos has worked as the chief executive of Amway for some years between the year 1993 and 2002. He tried his shot as the governor of Michigan in the year 2006.

 

His first involvement with the Amway came shortly after he graduated from college. This was back in the year 1974. He held various positions with the company including the vice president of foreign operation and chairman several years later. He has also been involved with his other dad’s venture, the Orlando Magic.

 

 

Betting on College Basketball Through Covers.com

The college basketball season is one of the most exciting and competitive sporting events. College basketball is very exciting for a variety of reasons. One reason or the excitement is due to the unpredictable nature of the sport. Every year, each team in college basketball will see a significant amount of player turn over as players either graduate or move on to professional basketball. This turnover can make it hard to predict which team will have the most talented roster and the most cohesiveness.

The college basketball league is made up of over 300 different teams located all over the country. Each year, all of these teams will play close to 35 games. These games include preseason tournaments, conference games, and other marquee matchups. While college basketball is a lot of fun to watch on its own, it can also be very fun to gamble on. When you are looking to gamble on college basketball, a great place to start is through the website Covers.com. This website provides you with the best college basketball odds and most betting options. Furthermore, you can read a lot of in-depth analysis on each game in team, which will help you to make the best betting decision possible.

After the regular season is over, all teams will play in a conference championship tournament. After the conference championships are determined, all of the teams in the country will be available to play in the March madness tournament. This single illumination tournament will include the best 68 teams in the country, which will be completed over a three weekend period.

Due to the amount of games and teams that play, March Madness is one of the most exciting sport tournaments in the world every year. While watching March Madness on TV is a lot of fun, you can also bet on the games or the tournament as a whole. When you are looking to bet on March Madness, you should also consider that in through Covers.com. This website will have the most betting options available and will provide you with the opportunity to make parlay and teaser bets. These unique betting options will greatly improve your potential profit.

The Sunny Plumber Is The Plumber You Can Trust

Introduction: The Importance of a Trusted Plumber

Everyone needs a plumber in their back pocket that they can know and trust. That’s because a variety of plumbing problems can crop up at any time. Garbage disposals can stop working, drains can clog up, leaks can spring up, and a variety of other problems can cause an inconvenience in your life. These are problems that are too tricky to tackle yourself. That’s when a trusted plumber comes in handy, someone like the Sunny Plumber.

Who is The Sunny Plumber?

The Sunny Plumbers have been around for years and truly provide the experience and dedication to plumbing that Las Vegas and many other areas need. They are fast, affordable, and truly make sure that their clients are happy with the services that they provide. The Sunny Plumber provides a variety of services from garbage disposal repair and replacement, to water heater installation, plumbing, and everything in between! http://www.sunnyplumberphoenix.com/phoenix-drain-sewer/drain-and-sewer-services

The Sunny Plumber Receives Rave Reviews

An overall theme of customer reviews on PM Mag appears to be that of how high they rank the customer service. People are raving about how pleasant the plumbers were. Many have mentioned how the workers came in quickly, assessed the problem, and got right to work! If the plumber encounters a problem that they weren’t equipped for, they will work at it and keep coming back until they get fixed. They don’t want to leave any unhappy customer behind.

Plumbers You Can Trust

Overall, The Sunny Plumber is a team that is organized, in tune with the needs of customers, and incredibly affordable. The Sunny Plumber has a wide service area and all potential customers have to do is type in their zip code in order to be connected. The Sunny Plumber is 24/7 and will always have someone available to help! Check out thesunnyplumber.com today!

What To Know Before Hiring A Planner For Your Next Event

The event planning industry is worth over $3 billion, proving that millions of Americans are happy to pay someone to take some of the stress out of holding an event. The right event planner can transform your dream into a successful event while handling all the major components and small details.

 

Before you start calling the numbers of all the event planning companies NYC has to offer, follow these steps first.

 

 

Get a Rough Idea of Your Budget

 

You don’t have to determine an exact budget just yet. However, it is important to have a general idea of how much you can allocate to different components of your future event. Once you have determined an estimated budget, your event planner will be able to work with you to make your dreams come to life.

 

 

Figure Out What Kind of Service You Need

 

Some people may only require a day-of coordinator, while others may want an event planning company that provides every service possible. Companies like 23 Layers in New York City off full-service event planning. Whether your event is for 10 people or 500, 23 Layers offers every service you could possibly need from live entertainment to room decor and seat planning.

 

 

Do the Research

 

It’s important to do as much research as possible when considering event planners NYC has to offer. Ask around at local catering halls to see if workers can provide recommendations based on past events. Also, use the internet as a resource by looking up reviews and event planners’ social media pages.

 

 

Pick Three

 

Narrow your choices down to three event planners who you think can do the job well. Interview each one and don’t be afraid to ask tough questions. This will help determine which candidate fits your vision best.

 

 

Negotiate

 

When it comes to events, everything is negotiable. Due to the high mark-ups that event services are accustomed to charging, most will give you some room to negotiate prices down.

 

 

Conclusion

 

If you’re planning an event in the near future, follow these steps to ensure that you hire the event planner who is right for the job.

Find them in NYC:

420 West 14th St., Ste. 2NE New York, NY 10014

How Often Should You Wash Your Hair

As a woman, you most likely have numerous things to do in your beauty routine to ensure that you are at your best and hair cleansing is probably high on your list of priority. Yet, you may be wondering how often you should be washing your hair as there seem to be many conflicting opinions on the matter.

Wash Your Hair Often

The answer to this question lies in what texture or type of hair that you may have. Most people with healthy curly hair, for example, can go anywhere from 2-3 days without washing it, depending on what type of products they might use, etc. For women who have thin or fine hair, they may need to wash it every other day to avoid the greasy unkempt look. For people who straighten their hair often, they can often wait a few days before washes which will help to keep their hair moisturized.

WEN by Chaz

A product that works wonders for hair care is Wen by Chaz. This highly popular Guthy-Renker produced hair care brand is changing the way that women look at hair care and making it easier for them to have hair they can be proud of.

WEN by Chaz Dean has a number of hair care products from cleansing conditioners to nourishing blow out kits, glossing shine serums, and also replenishing sprays. These products are known for being highly beneficial for hair and use ingredients that are designed to sooth, strengthen, and moisturize hair. For more info, visit the company’s crunchbase page.

Twitter: https://twitter.com/wenbychazdean

 

Vijay Eswaran, a Savvy Businessman

Vijay Eswaran is one of the renowned and successful businessmen located in Malaysia. He was born in 1960 at a place called Penang. Currently, Mr. Eswaran serves as the executive chairman of the prominent QI Group, a company located in Hong Kong, China. Vijay Eswaran studied at the well-known London School of Economics where he managed to graduate in 1984 with a Degree in socio-economics. He then resolved to stay in Europe for one year doing different jobs in the U.K, France and Belgium. While in the United Kingdom, Vijay Eswaran ventured in binary system marketing for some time and later managed to successfully acquire a professional certificate in Chartered Institute of Management Accountants (CIMA).

Afterwards, he relocated to America to pursue his Master’s in business administration at the prominent Southern Illinois University. Being a dedicated and committed man, Vijay managed to work while studying and decided to venture in Multi-Level Marketing (MLM). Upon his graduation, Mr. Eswaran moved back to Malaysia where he was hired by Cosway’s, an MLM firm. Here he was required to expand all operations of the firm.

Read more: V Managing Partner and Founder Dato’ Sri Vijay Eswaran

Establishment of QI Group

After serving several high profile jobs in different nations such a stint in IBM, Eswaran decided to start his own company in 1988. Vijay Eswaran partnered with joseph Bismarck to establish a business venture called QI Group. Despite several challenges such as economic crisis, limited connections and capital, QI Group managed to survive. QI Group is a direct selling company that operates in various areas including leisure and lifestyle, education and training, telecommunications and logistics as well as property development and management. Within a decade, the firm launched several offices in Singapore, Hong Kong, Malaysia and Thailand. Furthermore, it expanded on YouTube its presence and operations to more than 30 countries with the help of subsidiaries. Under proper direction, QI Group had massive success and was able to raise an estimate of $750 million in revenue.

Conclusion

Being a generous individual, Mr. Eswaran openly shares his extensive knowledge with others. He is one of the most respected lecturers and motivational speakers on mlmnation.net in the world in various areas ranging from spirituality to business. His audience have included leadership conferences such as Commonwealth business forums and leading universities around the world.

Magic happens, when a hair stylist teams up with mother nature.

Wen hair care products were designed to change the game in the beauty industry. Chaz Dean, (https://chazdean.com/store.aspx) the creator and founder of this natural hair care product achieved beautiful, gorgeous looking hair without the harsh effects of sulfates and sodium lauryl. On his journey to finding a healthy hair care product, Dean experimented by combing natural fruits and herbs found in his garden and applying the contents to his hair. While doing so, he discovered that his scalp felt extraordinarily clean while his hair remained soft and shiny.

Because of Chaz Dean’s innovative idea and groundbreaking results, everyone can enjoy the fantastic effects of his brilliant products.

Women from various ethnic backgrounds with hair types ranging from coarse and thick to straight and fine have all found solace in using this product. After just one application, women have claimed that Wen has given their dry, frizzy curls a softer, more manageable appearance. Women who once complained about limp, greasy and fine hair have also experienced extraordinary results. Their tresses transformed into hair that is full of body and shine. The products can be purchased in individual bottles of shampoo or conditioner, or in an all-in-one kit, available through eBay and Guthy-Renker online.

It is essential to follow the instructions labeled on the product to experience the best results.

In three simple steps, you can get the maximum benefits from using the Wen cleansing conditioner.

  1. Rinse hair thoroughly before applying the cleansing conditioner.
  2. After rinsing, pump the recommended amount of product into the hair based on hair length. (10-16 pumps for short hair, 24-32 for long hair)
  3. Incorporate a small amount of water to efficiently distribute the product into the hair and leave the conditioner on the hair for the duration of the shower.