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Nationwide President David Giertz Warns People Against Taking Social Security Early

According to Nationwide Financial Services president David Giertz, a study conducted by Nationwide Financial Retirement Institute found that most individuals who receive their social security benefits too soon regret this decision. Social security is a nuance area, and many people find it hard to understand the 2700 rules social security handbook on Finra.org.

During an interview with the Wall Street Journal, David Giertz called on financial advisors to provide relevant social security information to their clients so that they can obtain a successful retirement plan. The Nationwide Financial Retirement Institute involved over 900 respondents, US citizens over 50 years of age within a few years to retirement or already retired.

According to the study at https://www.facebook.com/public/David-Giertz, thirty-eight percent of respondents wished that they had put off the onset of their benefits. They had activated the social security benefits a little too early. According to the Nationwide Financial Services executive, only twelve percent of financial advisers discuss social security with their clients. Most of these respondents admitted that they expected their financial advisor to have a conversation about social security.

Social security constitutes about forty percent of an individual’s earnings on Nationwide in the course of their adult life. Having a financial adviser can give retirees a better retirement plan. People who don’t have financial advisers are more likely to find the income from social security benefits less and therefore need to be guided.

About David Giertz

David Giertz is the current president of Nationwide Financial Services. David Giertz has more than three decades of experience in the financial industry, specializing in the sale and distribution of bonds, life insurance, and retirement plans.

David Giertz has a bachelor’s degree in business management and administration from Millikin University as well as an MBA from the University of Miami’s business school. David Giertz is also an FINRA registered broker.

Kate Hudson Uses Fabletics to Empower Women of All Sizes

Many people are living discouraged and defeated lives in society. One of the aspects of their lives that influence how they feel is their fashion choices. Often times, people are not aware of the effect that fashion has on them. Then there are some people who are not really affected by fashion at all. However, many people are not aware of the effect that their outfits have on them even though they do feel it. These types of people are often the ones that are feeling the most defeated. Even those that are aware of the effect that fashion has on them but are not able to buy the pieces of clothing they want because they are so expensive tend to find themselves stuck.

 

Fortunately, there are fashion companies that are bringing some of the high fashion products to people who are not as fortunate as those who are wealthy. One of the companies is TechStyle, which is bringing forth many different brands that are very effective in the offer of great looking clothing at low prices such as Fabletics. There are quite a few methods that TechStyle brands such as Fabletics use in order to bring forth the desired level of success while saving money for the customer.

 

The method that Fabletics and other TechStyle brands use in order to bring forth the sales that are desired involve reverse showroom. This uses information from the customer in order to determine what types of products to offer. Another technique involves paid membership. This allows the company to sell high fashion clothing at a low price without having to resort to cheap and unsustainable methods that are bad for the environment. All of the clothes at Fabletics are made with methods and processes that are ethical and easy on the environment.

 

The dedication of Fabletics to social responsibility is a strong aspect of the business. Therefore, people have a lot to be proud of with Fabletics. They can save money on the outfits they want without worrying about what they are paying for. After all, people are not just paying for the products. They are paying for the processes involved in bringing forth a lot of the unique styles. The TechStyle approach makes sure that people can feel good and free of guilt when enjoying some of the best styles that are offered by the innovative company that is merging technology with fashion.

Betsy DeVos Makes A Move On Student Loans

David Bergeron is a career official who is working with the U.S. Department of Education. He has appreciated the move when it would be possible for the government to save money on providing loans to the students. Besides, it needs to help the distressed student borrowers too.

 

Once this step was actually taken by the government, in 2010, his agency became the biggest lender of loans to the college students in the US. He has over a decade of experience in federal service. But he also realized at that time that the government will take maximum advantage of these student loans.

 

Now seven years later, there are nearly 1 million former students who are defaulting on their government-backed student loans each year. His former agency has now pulled the plug on this partnership with consumer bureau that has the task to protect them.

 

Now the Education Department led by Betsy DeVos has informed this Consumer Financial Protection Bureau that it will not be sharing any more critical information about these loans. It needs to be noted that this refers to $1.3 trillion of the total in case of federal student loans. This marks an end to a partnership that allowed the CFPB to sue the loan companies. It had also forced several others to change the practices being followed by them in this household debt market.

 

This move is being backed by Betsy DeVos. Many of the former high-ranking federal officials are fearful that this is a directive that is promising high leniency to those loan companies that are trying to collect on debts. In addition, it also indicates that it is an effort by the Trump administration for undermining the enforcement authority of the bureau.

 

David says that this system will be against the interest of the borrowers and rather toward the government’s interest. He says that the CFPB was a necessary check on this.

 

Earlier, the Republican members of the Congress had been trying to restrict its authority. They had even asked to fire its director, Richard Cordray. This is the latest move that is coming in from Education Secretary Betsy DeVos.

 

It was in 2010 that the Obama administration had created the CFPB after the financial crisis. The aim was to crack down on any shady student loan companies. This would have also supervised businesses that were operating earlier with little oversight.

 

Even though few Americans are aware of CFPB, they have filed already over 15,000 complaints with it about the federal student loans since 2013. In this way, the consumer bureau has curbed loan practices which it feels are hurting the borrowers. This would also include actions that can be carried out on behalf of the government.

 

Visit http://www.betsydevos.com/ to learn more about Betsy DeVos.

Larkin & Lacey Frontera Fund For Attorneys

There are several specializations for attorneys in the legal world. This way they can decide what kind of clients they would be able to represent in a better way. What this means is that lawyers can decide to specialize in one area and then dedicate their career to that.

This is a good move as being a lawyer would mean a lot of commitment to the managing as well as an understanding of various laws, the rights of citizens, as well as corporations besides the international law. Learn more about Jim Larkin and Michael Lacey:  http://www.laceyandlarkinfronterafund.org/about-lacey-larkin-frontera-fund/michael-lacey/

This is a lot of work. Hence it is better to be specific here and focus on one kind of customer only. In this way, these legal representatives are able to work in a better way.

One of these specializations includes advocating for human as well as civil rights. These are known as human rights attorneys. They represent those clients who may have been the victims of legal abuse or aggression.

This can be in terms of physical or verbal abuse, or censure, and any other such aspect that may have directly or indirectly hindered their civilian rights in that particular nation.

As an example, being racist is strictly prohibited in the US. This can lead the individual to spend a few days in jail. Hence the human rights lawyer can represent those clients who may have been the target of such kind of unjustifiable racial abuse. Read more: Jim Larkin | Angel.co and Jim Larkin | Crunchbase

Other aspects would include advocating for the rights of migrants, against any kind of religious preconception and censure, besides the defending of gay people and such other types of aggression. All this would define the domain of a lawyer of human and civil rights. Thus it can be seen that this is a wide specialization that has several types of clients. This is why sub-specialization is also there.

But such human rights attorneys also enjoy a few more benefits that the other lawyers. Michael Lacey along with Jim Larkin have founded the Frontera Fund that is contributing in order to help these new partners advocating for human rights to do their job.

The Lacey & Larkin Frontera Fund is helping these groups directly. They are the human rights legal partners for such advocates all around the U.S.

Michael Lacey and Jim Larkin are the co-founders of the company called Phoenix New Times. It has a news office in Phoenix, U.S. This fund has been created with the specific intention of funding those groups of attorneys that have been advocating for the civil, human, as well as migrants’ rights.

The specialization of rights to migrants is the most important for them, as both Michael Lacey along with Jim Larkin have been the victims of censure against migrants when they were new citizens of the U.S.

Living In Two Worlds

Unlike the United Kingdom, Israel is a young nation. For the entire period of its existence, Israel has not had the much productive relationship it has had Britain the last four years. In that small time frame, trade between the two countries has more than doubled.

The drastic diplomatic growth can be attributed to one individual without any fear of contradiction, British born Israeli Ambassador Daniel Taub. Both countries acknowledge that the open-minded diplomat has been critical to the Golden Era, the term used to refer to his four-year tenure as the Israeli envoy to the Court of St. James.

When the ambassador first presented himself to the queen of England, her Majesty Queen Elizabeth II, he clad Jewish regalia. He humbled himself before her and answered her questions objectively, yet wittily too.

He assured her that his birth in her country did not present a conflict of interest but rather the motivation to bring the two nations together.

Daniel Taub delivered on the promise, the same promise he made to his native and legal country. He deliberated for the continued partnership of the two countries and saw the two nation’s interdependence solidify in terms of trade, socialization, and cultural exchange.

The two countries confirmed that over 300 Israeli businesses were established in the United Kingdom during the Golden Era which also nurtured bilateral trade to reach an all-time annual high of seven billion dollars during Daniel Taub’s last year as Ambassador.

Despite his excellent performance, Taub went through trying times as ambassador. He had to endure anti-Israeli sentiments which came up numerously without reacting undiplomatically. The biggest student union in Britain voted to support a boycott of Israel and tension rose in the higher institutions of learning.

Taub had to demand sobriety and assertiveness of University Administrators whom he expected to cultivate inclusiveness in their institutions.

He wrote to them asserting that he expected that individuals within the Universities should feel confident to make pro-Israeli sentiments without fear of discrimination and bullying.

His other significant obstacle was Bradford’s Member of Parliament, the racist George Galloway. The politician declared his constituency an ‘Israel free zone.’ Shortly after making the abrasive and offensive statement, Daniel Taub visited Bradford in defiance. Learn more about Daniel Taub: http://www.daniel-taub.com/

During his visit, Taub visited several local churches and even graced a few social events. He claimed that the people of Bradford invited him to their constituency in a spirited effort to dissuade him from believing what Galloway has stated about them being against Israel. He then explained that he was pleased to witness first hand that Bradford constituents were not as racist as their representative.

Diverse Beneful

Beneful has been crafting healthy and nutritious recipes for quite some time. The company has been around for a long time and offers wet and dry dog food options at various flavors and prices and in various volumes. The price will depend on how much you’re buying and of what flavor. It will also depend on if you’re buying for a puppy or a dog. The prices will vary greatly as the size options are vastly different. They can range anywhere from about a few bucks to twenty bucks. This isn’t set in stone though. Sometimes Wal Mart offers roll backs on these items depending on their inventory and what time of year it is. If there are no rollbacks available then a simple google search will help you search for more discounts via coupons. Several websites may offer coupons and they may also be found in your local paper where the ads are located. If there are no ads right now, which there probably is, then they may become available in a week or so time.

Beneful dog food at Walmart is full of quality ingredients. These ingredients include real beef and chicken as well as real vegetables. They are scientifically formulated to benefit your dog and provide them with a longer life and higher quality of life. Dogs also love the taste and have an abundance of flavor options to choose from. One such is the dish with real salmon that can be found at Wal Mart for an affordable price.

Vijay Eswaran Shows How Regular Jobs are Not the Only Way To Bring in Income

The common idea is that a 9-5 job working for someone else is required to be able to have income. While most people do need some kind of job in order to support themselves, the belief that it is the only way is a very limiting belief.

It was a belief that was instilled in Vijay. He has seen signs that this was not the case when one of his networking businesses have out-earned his regular job. The only thing is that he needed to overcome his conditioning in order to realize that he can actually earn without a regular job.

Vijay has held jobs in low level positions. For one thing, he has worked as a cab driver. Then he has started a real career as it was known. While he was working in his career, he was also doing a side job as a network marketer.

However, it only took several years before it has started to surpass the amount of money he has earned. Once he has seen that it was consistently earning more than his regular job, he has had to make a decision on what he can do in order to move forward. Vijay Eswaran eventually decided that he could work on his business as a full-time activity.

It was hard for him to make the decision. After all, he had to deal with his conditioning that it is required to have a regular job for income. However, he has finally used logic and moved on from his regular job to work full time as a network marketer. Read more: Dato’ Sri Vijay Eswaran Speaks At World Economic Forum 2016 and Vijay Eswaran – Philanthropies

One of the most logical lessons to learn is to go with what works the best. While it is also good to have a part time job to work at while building income, the most logical to thing to do when making a choice is to choose the higher earner.

Business Leader: Scott M. Rocklage

Scott M. Rocklage Ph.D. is a businessman, scientist, entrepreneur and investor. He has accumulated decades of experience in a variety of fields ranging from pharmaceuticals to business. Rocklage first joined the 5AM Ventures team in 2003 as a Venture Partner. After a year of success, he decided to rejoin as a Managing Partner, offering him more responsibility and control.

The 5AM Venture team has seen many accomplishments under the guidance and efforts of Scott Rocklage. His years of experience and expertise have been manifested through the growth of the company itself. Read more: Scott Racklage | Bloomberg

Before investing time in business and pharmaceuticals, Scott Rocklage attended the University of California, Berkley where he received his Bachelors of Science in Chemistry. This degree eventually led to the attendance of the prestigious Massachusetts Institute of Technology where Scott completed his Ph.D. in Chemistry.

It was this extensive education that propelled Rocklage into the world of pharmaceuticals. In addition to his educational accomplishments, Rocklage also has been awarded with approval of the Food and Drug Administration for several drugs he has helped to develop.

Scott Rocklage has also written over 100 peer-reviewed publications through which he addresses several subjects within chemistry and pharmaceuticals. He has also been the co-inventor or inventor regarding 30 United States patents. At MIT, Rocklage conducted research in the laboratory of the Nobel Prize in Chemistry in 2005 winner Richard R. Schrock.

Beyond 5AM ventures, Rocklage has over three decades of experience in healthcare management. Rocklage’s extensive experience has seen his election on the board of several well-known companies. He currently serves as the Chairman for Kinestral, Rennovia and Cidara.

He serves on the board for Pulmatrix and Epirus currently. In the past, Rocklage served as President and CEO of Nycomed Salutar as well as CEO and Chairman for Cubist Pharmaceuticals. Under Rocklage’s guidance and leadership, three U.S. New Drug Applications were approved by the FDA. The three drugs include Cubicin®, Omniscan™ and Teslascan®.

Due to his considerable contributions to pharmaceutical development and research, many companies seek Rocklage for top positions on their boards. His guidance and expertise have led to the ongoing success of many companies.

Louis Chenevert is One of the Leading Corporate Leaders in Canada

Louis Chenevert is native of Quebec, where he spent his childhood. He has worked for numerous companies, perhaps the most prominent of which being United Technologies Corporation (UTC). This company is involved in the manufacture of high-end tech products, such as jet engines.

Louis Chenevert’s Involvement at UTC

United Technologies Corporation also pioneers in the provisions of air conditioning and refrigeration services. Louis Chenevert employed his management skills to help run this business venture. Under his management, United Technologies Corporation was able to increase its revenue by a margin of 200 percent. Even after his retirement, United Technologies Corporation still recognizes Louis Chenevert contributions and efforts in its growth. He has also mentored his successor, Gregory J. Hayes, who took over the company’s operations. Loius Chenevert spends his spare time working as a consultant for Golden Sachs Merchant Banking.

About Louis Chenevert

Louis R. Chenevert is a businessman and the former head of United Technologies Corporation. He resides in Hartford, Connecticut with his family. Louis Chenevert is a graduate of the University of Montreal and has spent most of the years in Canada. He initiated his career at Pratt & Whitney in 1999 where he served as the president of the company for almost a decade. Louis Chenevert has also worked for General Motors for more than ten years where he helped develop the venture into one of the best-performing companies. He has also worked as the vice-president of the business council.

Louis Chenevert is the recipient of the honor award from the prestigious National Building Museum. Additionally, Louis Chenevert is also the recipient of an honorary doctorate of the HEC Montreal. His efforts have also been recognized on various platforms, including the Aviation Week & Space Technology. Louis Chenevert is also the recipient of the 2010 Pace Award for Leadership in Business and Ethics, the 2060 FDNY Fire Commissioner’s Humanitarian and the 2009 Honor Award. He is one of the best performing production managers in the industry.

Michael Lacey and Jim Larkin Turn A Victory Into A Cause With Frontera Fund

**UPDATE 8/22**

Michael Lacey and Jim Larkin are two brave souls who are fighting for the rights of migrants coming from Mexico, Central America, the Caribbean, and South America. Their inspiration to help the migrants stemmed from them witnessing the refugee crisis in Europe, and they wanted to help other people in their own backyard, so they are offering their hand to those who wanted to have a better life in the United States. The two uses the Frontera fund in helping the migrants, and this sum of money is a huge help as it gives the migrants the right amount to rebuild their lives. The fund, amounting to $3.75 million, was awarded to them by a judge during the lawsuit that they filed against the Maricopa County. Michael Lacey and Jim Larkin managed to help thousands of people crossing into the border, and they never forget the kindness that the two has given them, so whenever a chance arises, the people that Michael Lacey and Jim Larkin assisted in the past goes back to them and give them something as a form of paying back for their kindness.

 

 

Before establishing the Frontera fund for the migrants, Michael Lacey and Jim Larkin were executives of the Phoenix New Times. This publication was founded when Michael Lacey and Jim Larkin were still in college. After they opened the Phoenix New Times, this publication became widely accepted and has become one of the most popular publications in the state. The publication grew larger and larger as time passed by, establishing partnerships with different companies further solidifying their title as a well-known publisher in Phoenix. The two have thought that the good thing happening to them would last forever – but they were wrong. After looking into the case of a Maricopa County Sheriff being investigated by the state prosecutor, Michael Lacey and Jim Larkin have written a story regarding the possible results of the investigation. However, the story became twisted days later and the two were arrested. They are being accused of publishing the decision of the jury regarding the case, and that the two have published the private address of the Maricopa County Sheriff on their website. The Maricopa County Sheriff wanted Michael Lacey and Jim Larkin to have the information posted on their website taken down, along with identifying all of the people online who have seen it.

 

 

Media coverage about the case have centered on how Michael Lacey and Jim Larkin were arrested. The media companies supporting the two held massive rallies around the major cities of the United States, and after the protests gained national attention, they demanded for the case to be taken down. The judge handling the case of Michael Lacey and Jim Larkin has decided to drop any charges against them and let them free the next day because of the lack of any evidences. People are rejoicing about this decision, and the two decided to file a counter lawsuit against Maricopa County. The judge sided with Michael Lacey and Jim Larkin, and the Maricopa County is required to provide the necessary compensation for the two. This is where the $3.75 came from, and later on, it became the Frontera Fund.

 

 

 

Michael Lacey and Jim Larkin have turned a harrowing experience into an opportunity to help others in need of the same kinds of legal services that helped them win their own freedom. Co-founders of Phoenix New Times and Village Voice Media, Lacey and Larkin have always been strong proponents of free speech and freedom of the press, but their passion for justice earned them the scorn of Maricopa County Sheriff Joe Arpaio.

In October of 2007, Sheriff Arpaio had the two journalists arrested for revealing details of grand jury proceedings and for sharing the news that the identities of New Times readers were sought by that grand jury.

Those events led to a lawsuit filed by Mr. Lacey and Mr. Larkin against Maricopa County. The suit eventually landed in the United States Court of Appeals for the ninth circuit, where the journalists finally achieved victory.

Michael and Jim have since devoted their time and their $3.75 million settlement to establishing the Frontera Fund, an organization that seeks to protect civil, human, and migrant rights.

Today, Michael Lacey and Jim Larkin take an active role in running a Frontera Fund website, melding their passion for journalism with their desire to protect others. The site shines a light on current events, as they pertain to the rights of those unprotected by big government and American corporations.

Recently, the Frontera Fund website published an article questioning the treatment of immigrant military personnel, suggesting the United States uses these individuals for their service, before threatening to deport them.

Through a special government program, immigrants who are not yet American citizens are permitted to enlist in the military, if they possess unique skills, such as being bilingual or possessing knowledge of a disputed region. Now, the government is planning to scrap that program and deport the participants. Frontera Fund seeks to shine a light on that injustice.

Similarly, Larkin and Lacey covered the plans to discontinue a program designed to help immigrant youths stay in the United States. Under DACA (Deferred Action for Childhood Arrivals), younger immigrants can continue to work in the United States, earning a better life for themselves and their families. The act also allows them to attend colleges and universities. Learn more about Jim Larkin: http://www.laceyandlarkinfronterafund.org/about-lacey-larkin-frontera-fund/

The government is attempting to rescind that act, which will result in endangering the lives of many young immigrants. While local immigrant workers organized a Fourth of July demonstration to protest the rescinding of the act, plans remain on course for the dissolution of DACA.

Again, Michael and Jim are using their Frontera Fund website to help draw attention to this cause, before it’s too late.

The Frontera Fund founders haven’t forgotten about the man who prompted their new crusade for justice, either. Lacey and Larkin have dedicated a portion of their website to keeping an eye on Sheriff Joe Arpaio and the county sheriff’s office in general. While articles in that section of the Frontera Fund’s website are fewer, they do cover the recent elections for sheriff and news items related to the county jail.

Whether tackling civil injustices or standing up for immigrants against government abuses, Michael Lacey and Joe Larkin have dedicated their lives to ensuring equal rights for all with Frontera Fund’s vast resources.

Read more:

Village Voice Media | Wikipedia
Phoenix New Time

Daniel Mark Harrison’s Monkey Capital Forges New Paths in Crowdfunding

On July 6th, Monkey Capital, a decentralized hedge fund that invests in firms disrupting their respective industries, made historic waves in the ICO Market. Their ICO (Intial Coin Offering) became the first to successfully sell options before their ICO officially launches on July 15th.

The options, which are named COVEAL, trade on DEX (Waves Decentralized Exchange) and their opening volume trades comparatively to both Bittrex and Chronos. The latter ICOs are considered the gold standard of 2017, which puts Monkey Capital’s new ICO in great company. Owning COVEAL allows one to purchase Monkey, the coin being offered to the public, at a reduced fixed rate.

Monkey Capital is being highly touted by respected news outlets like the Huffington Post as the next billion dollar sensation. The company makes profits by investing in creative destruction. SpaceX contracts, hostile takeovers, and cryptocurrencies are all a part of Monkey Capital’s portfolio, and they are currently raking in the huge returns.

The creative force behind Monkey Capital is Daniel Mark Harrison. Harrison started Monkey Capital in March of 2016, and has grown the business into a potential billion dollar success story. However, this wasn’t his first big success. Harrison is also a contributor on coinspeaker.com, an online editorial dedicated to all things Bitcoin and Blockchain. He increased readership by over 450,000 readers per month and broke huge news stories (including one that eventually led to the suspension of a Chinese exchange from CD’s index and prompting rule changes). He also is Chairman and CEO of DMH&Co, a private firm wholly owned by Harrison, dedicated to growing his family’s personal wealth and assets.

Monkey Capital is soaring high right now, and their new coin has been labeled a gamechanger by Goldseek Radio. The burning question is: what is next for this groundbreaking hedge fund?