David Giertz Address The Elephant In The Room: Social Security

Longstanding financial adviser, David Giertz of Nationwide Financial, recently sat down with the Wallstreet Journal’s Veronica Dagher to discuss the problems surrounding social security. David Giertz made it clear that the problem was not social security itself but rather the way it was and is being discussed within the financial advisory industry. Ms. Dagher notes that there is a huge problem, backed up by a wealth of statistics, which indicates that financial advisers simply are not talking about social security enough with their clients and asks her guest why he thinks this is the case.


Mr. Giertz states that there are numerous reasons why this trend seems to have gained such prevalence, primarily, the intricate complexity of the social security rules. For instance, the social security handbook, in its current form has over 27,000 rules alone, to say nothing of any of the other material surrounding social security. Naturally, that is a enormous amount of information to digest and can prove problematic to remember consistently even for financial adviser professionals.


That being said, Mr. Geirtz thinks that more financial advisers should be concerned about the issue, as much for their own sake as for the sake of their clients. It is obvious that not getting enough information from a financial adviser whom one is paying is naturally not getting one’s money’s worth. However, taking out social security too early can also put a huge hole in one’s nest egg and cost thousands upon thousands of dollars. From a financial advisers point of view, customer retention is key – after all, one can’t expect one’s customers to stick around if you (the financial adviser) are not giving them all the relevant information they need to insure the safety and health of their retirement fund. https://davidgiertz.yolasite.com/

Ryan Emmons is Making an Ecologically Friendly Footprint with Mineral-enriched Waiakea Hawaiian Volcanic Water

Now That’s Refreshing: 22-Year-Old’s Hawaiian Bottled Water Grows 4000% in 3 Years” by Forbes

Waiakea Hawaiian Volcanic Water is not just one of the thousands of bottled waters that are on the market today. In three years, it has grown 4000 percent and continues to grow at a rate of 170 percent annually. Young entrepreneur Ryan Emmons founded Waiakea Water, the unique natural volcanic water company, in 2012.

Ryan, at the age of 22, was a freshman in college, but he realized that the water he was drinking when he went home to Hawaii to visit his family was much a much better quality and taste than the bottled water he typically drank.

Ryan has a global perspective about Waiakea Water along with a vision of sustainability that he has incorporated into the company with the motto of his generation: Drink healthy, Drink sustainably, Drink ethically. This motto is what he built Waiakea on. Learn more about Waiakea Water: http://www.foodnavigator-usa.com/Manufacturers/Meet-the-entrepreneur-behind-Waiakea-Hawaiian-volcanic-water

For the containers, Ryan uses pre-recycled bottles and high-quality, 100 percent recycled polyethylene terephthalate for the containers. This material is sustainable because it uses 85 percent less energy to manufacture than the traditional, virgin plastic. It is also BPA free and reduces carbon emissions by 90 percent.

This naturally pure water is packed with a unique mineral composition, which has a high pH level. It has been infused with electrolytes such as silica, sodium, calcium, potassium, and, yet the consistency is not hard, but soft and smooth. The water is taken directly from the Mauna Loa Volcano, which is located on the big island of Hawaii.

The water falls 14,000 feet through the volcano into the Waiakea Springs below; during the fall the many minerals are absorbed into the untouched water. The local residents have been drinking it for centuries.

This high-alkaline and electrolyte-enriched water is what makes Waiakea Water unique. The high-quality, naturally alkaline water is quickly gaining a loyal following with the millennials, and through PumpAid, Ryan is giving back a percentage of it to needy communities and villages in Africa. On every level, this isn’t the average bottled water company.

The Status of Brazilian Startup Sector in 2017

Recently, the Brazilian startup industry has experienced exponential growth. According to Flavio Maluf on mundodomarketing.com.br, the CEO of Eucatex Companies, the Brazilian Association of Start-ups has registered over 4200 new companies in the field of e-commerce, health, education, SaaS, and entertainment. This growth is visible due to the existence of critical professionals, knowledgeable in managing particular tasks in these companies. Gama Experience conducted a survey of the areas that will be a hotspot for startups in 2017. According to Flavio Maluf, technology will take center stage. The areas to explore include:

Customer relations

Investing in customer experience will be on the rise. Enhancing customers’ satisfaction results in increased sales on maringa.odiario.com. Therefore, businesses will venture into providing quality customer service while selling their products. For startups, achieving excellent client relations will lead them to acquire more customers.

Making e-commerce ventures

Venturing in e-commerce involves setting up websites to attract new customers. E-commerce ventures try to provide solutions to the client’s pre-existing problems.

Use of Cascading Style Sheets (CSS)

Application of Cascading Style Sheets when creating websites makes web pages more appealing to customers. Websites endowed with colors, excellent layouts, fonts, elements, and shapes help in selling the company. For startups to thrive, they will need to hire people with the high expertise and skills in IT.

Flavio Maluf’s role at Eucatex Group

Flavio Maluf is an entrepreneur and president of Eucatex Group. He is also a senior executive officer of GrandFood and a graduate of Armando Alvares Penteado Foundation. Maluf began working at Eucatex in 1987. He was able to rise above ranks, excelling in every department he was assigned to manage. In 1996, his uncle recognized his efforts and appointed him to the executive team. A year later, Maluf was appointed the president of Eucatex Group. For close to two decades, Flavio Maluf has managed to make the company one of the top construction material and furniture manufacturers in South America. Maluf has grown this company into an international business that supplies its products to over 37 countries worldwide. Eucatex Group also has a recycling plant that generates cost-effective and eco-conscious energy at https://br.linkedin.com/in/flavio-maluf-172147b3.

Norman Pattiz Launches The Latest Jericho Network Program


The new podcast called Beyond the Darkness has been announced by Norman Pattiz who is the Founder and Executive Chairman of PodcastOne. This will be exploring paranormal. PodcastOne is being touted as the largest podcast network of America that is supported by advertisers. This will be the latest show on the podcast network of WWE star Chris Jericho. It will feature entertaining conversations with researchers and experiencers from around the world. This way it will be challenging everything that you may know about ghosts or ghouls or even angels and demons. There would be myths busted on aliens, monster encounters as well as mysteries and miracles. This show will be hosted by the author as well as radio host Dave Schrader, along with radio producer and host Tim Dennis. There will be new episodes being released every Monday. These will be released on PodcastOne.com, as well as on the PodcastOne app besides iTunes.



In fact, Chris is being considered as a jewel in this PodcastOne network by Norman Pattiz. The Jericho Network collection had to evolve beyond wrestling. Chris has been able to deliver comedians through this show. Now he is going to take everyone into the paranormal with the new show, Beyond the Darkness.



Chris Jericho has made a statement that he is himself feeling quite creepy as he is announcing the addition of the Beyond the Darkness podcast which will become a part of The Jericho Network! The hosts Dave Schrader and Tim Dennis are going to bring in their massive fan base. All these fans have trust and belief in them as well as their subject matter. In fact, Chris fully believes that Beyond the Darkness is going to grow their audience on The Jericho Network, which is already massive. Besides, they are going to get scared, and the audience base will increase accordingly. This is exactly what any podcast network would dream of.



Hence things are looking really good for Norman. His podcasts are already garnering a lot of attention that has made him earn a huge audience base. Now he plans to add on new shows, get new hosts and this will only help to enhance the audience base still further.



He has great ideas, and he is using them to make his podcasts popular. This is an innovative strategy which is already working out very well for him.


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Anthony Petrello Is Not Your Ordinary Leader

Anthony Petrello has quite a bit “on his plate,” as it pertains to his successful roles of Nabors Industries, Ltd.’s CEO, President and Chairman of the Board.

Tony Petrello, a.k.a. Anthony Petrello is the illustrious leader of the world-class oil and gas organization. He possesses an impressive mathematical background: two degrees from Yale University (a B.S. degree, and an M.S. degree); and a law degree from Harvard Law School.

His mathematical genius comes in handy, in understanding well-bore placement, what is required in way of state-of-the-art well digging equipment and relative data. It goes without saying, quite a bit of geometry is used in the industry. Since Petrello easily understands Mathematics: he understands, too, what is needed, in order to provide the field operator with the best in technology, as it applies to equipment, in the field.

It probably was “in the stars,” or meant to be that Anthony Petrello become the leader of the world-class organization of Nabors Industries, Ltd. His mathematical genius is very necessary, in order to provide the organization with the proper strategy in attaining excellence.

His strong leadership qualities, attract a highly intelligent and skilled work-force. Suffice it to say: the best of leaders, such as Anthony Petrello, attract a labor force that is well-qualified to meet the challenges of oil and gas well drilling.

Too: Petrello needs to take on the challenges of international as well as domestic regulations and laws. He is qualified to do it. Anthony Petrello’s firm educational background; and his intelligent mind and experience, allow him to take the progressive oil and gas company–Nabors Industries, Ltd. far into the future, in a most prosperous and promising way. He is the natural born leader–so it seems–for the highly, challenging oil and gas industry.

Learn more about Anthony Petrello: http://www1.salary.com/Anthony-G-Petrello-Salary-Bonus-Stock-Options-for-NABORS-INDUSTRIES-LTD.html

Bruce Levenson’s Timeline From American University To The Atlanta Hawks And Beyond

Bruce Levenson has made a lot of news in Atlanta, having recently sold the Atlanta Hawks to Forbes billionaire Tony Ressler’s group after owning a majority of their shares for 12 years. Now, he and the other former owners from Atlanta Hawks Basketball & Entertainment (AHBE) are looking to sue their former insurance company for damages in an incident related to the sale. The Atlanta Hawks’ former General Manager, Danny Ferry had filed a claim with AIG in regards to his termination, and AHBE had opted to buyout his contract. According to AHBE and Ferry’s attorneys, Ferry’s claim was within his rights as far as the policy was concerned, but AIG has not honored the claim and Levenson and AHBE want a large settlement in court.

Levenson has been a journalist and entrepreneur as well as a sports enthusiast. He started in journalism while attending American University as a reporter for the Washington Star. He completed his J.D. at American University but never went into practicing law. He founded his own publication business out of his own apartment along with Ed Peskowitz and grew it into a major industry publishing business which became known as Unified Communications Group (UCG). Levenson also helped start TechTarget and is on the Board of Directors at BIA Digital Partners. See, http://brucelevenson.com/

Levenson is a philanthropist who has been the president of both Hoop Dreams and the “I Have a Dream” Foundation, scholarship fund programs for young children in the inner city. Levenson also founded the University of Maryland’s Center for Philanthropy and Non-Profit Leadership, and he’s also a contributor to the Holocaust Memorial Museum. His mother-in-law is a survivor of the Holocaust, and she once told her story to the Atlanta Hawks players and coaches when they visited the museum in 2014. Levenson is also an active member of Seeds of Peace and Birthright Israel.

Source: Wikipedia


How Securus Technologies Affects Communities Positively

If you are looking for a viable option of communicating with an inmate who may either be your relative, friend, or significant other, please do neglect the opportunity of utilizing a program that has been made by Securus Technologies. It is a great video chat session program that allows people in jails to communicate with those on the outside.


You may have found that it has been quite difficult to schedule an appointment within a specific time frame that’s considered to be convenient for you. With our regular day to day responsibilities and the busy times of jails and their inabilities of being unable to provide visitors with times in which they can visit within their preferred time slots in some cases, one of the best options that are available for connecting is by utilizing Securus Technologies.


The program as been created to not only provide an opportunity for inmates to keep in touch with others, but also for law enforcement agencies so that they may be able to use what is being said in the conversations as evidence to have the rights to begin investigative processes that may assist in solving dangerous types of crimes, some of which may have gone overlooked had they not been spoken about on the chat platform of Securus Technologies. This is why it is a great program that brings many benefits to people and should be utilized as a way to protect the community.


Securus Technologies has been accredited by the BBB and should be looked at as a viable solution of communications for any and all individuals who are involved with the incarceration process. It brings hope to inmates’ lives as they’re able to keep in touch with others despite not having an opportunity of seeing them in person due to visitation scheduling conflicts.


Great Water Increases Comfort

Dehydration is an ongoing issue in the world. People who are dehydrated find themselves experiencing issues that go beyond thirst. There are other forms of discomfort that could come with dehydration. For one thing, there can be headaches and joint problems that can occur as a result of dehydration. For this reason, it is important for one to replenish his water level.

Unfortunately, a lot of the water that is presented to customers is not good for them because of the contaminants that are found in the water. Therefore, it is important for people to be more selective of the type of water that they drink,

The water that is great to drink goes well beyond the typical bottled water. One example of good water is Waiakea water. One of the reasons that Waiakea water is good for the customer is that they go to a high quality source. A lot of the other companies just filter tap water and then put it in a bottle.

Therefore, people are tricked into thinking they are getting water that is much better than what they can get. The best type of water that they should be looking for is the water that is taken from the volcanic mountains and filtered through rocks.

Waiakea water is not only clean and pure, but it is also filled with minerals. Therefore, it has a very appealing and pure taste that will make people only considered this type of water to drink from this point on. Crunchbase said that Waiakea water has tastes and benefits that water is meant to have.

Therefore, people will get to experience greater health and more energy. This water is very high in quality that it has caused the company to grow by 4,000% in just 3 years. Therefore, people can trust that they are getting good water in their bodies.

Learn more about more Waiakea Water: https://gust.com/companies/waiakea

How Todd Lubar Rose to Being among the Top Loan Originators in the United States

Todd Lubar is an entrepreneur and an expert in mortgage banking. He is the current President of TDL Global Ventures and the Senior Vice President at Legendary Investment. He owns various companies in the nightclub industry, demolition companies, real estate development sector, and the recycling industry. Todd Lubar graduated in 1995 with a B.A. in speech communication from Syracuse University. He schooled at the Peddie School in Hightstown and the Sidwell Friends School in Washington DC. He is a permanent resident of Bethesda, Maryland where he lives with his wife and two children.

Career Background

Todd Lubar started his career immediately after completion of his university degree. He served as a loan originator from Crestar Mortgage Corporation where he held interactions with different real estate agents, CPAs, insurance agents and financial planners. He acquired a lot of skills and knowledge in conservative mortgage banking during his tenure at the company, which he used later in his career. In 1999, Mr. Lubar joined Legacy Financial Group based in Arlington Texas and led to the expansion of the Maryland office to a total loan volume of $100 million annually.

Todd Launches Legendary Properties

By 2002, Todd Lubar had acquired skills in mortgage banking and loan lending from the companies where he previously worked. He, therefore, launched Legendary Properties, LLC in the same year. The residential development company is responsible for over 200 transactions in the single and multifamily properties. Lubar left Legacy Financial Group in 2005 and joined Charter Funding as the Senior Vice President. First Magnus Financial Corp is the parent company of Charter Funding. He worked there until the mortgage industry developed some significant changes in 2007. He decided to specialize in mortgage origination that led to the launch of Legendary Financial LLC.

Legendary Financial LLC

Legendary Financial LLC provides commercial lending services to investors and companies in the country. He has used the Legendary Properties liquidity as well as his savings to fund most borrowers. His over 12 years of experience and knowledge in the global markets has contributed to 7000 transactions for the company. Todd Lubar appears on the listing of the top 25 loan originators in the country.

For more info, visit Todd Lubar’s Linked In page and website at toddlubar.com.

Other source: https://about.me/todd_lubar

PodcastOne And Beyond The Darkness

Beyond the Darkness is coming and it is paranormal at its best. Norman Pattiz, the Executive Chairman and founder of PodcastOne will be running Beyond the Darkness. PodcastOne is the biggest podcast network in America supported by advertisers.

There is a lot of excitement about the latest show coming to WWE. This is Chris Jericho’s network and falls under the PodcastOne umbrella.


Beyond the Darkness will be featuring conversations with experiencers and researchers from all over the world. These conversations are expected to be both entertaining and enlightening. The show is going to challenge all the information you have about angels, ghouls, miracles, ghosts, encounters with monsters, demons, mysteries and aliens. Dave Schrader, the well known radio host and author will be hosting the program along with Tim Dennis. New episodes are currently set to release every Monday on iTunes, the PodcastOne application and PodcastOne.com.


According to Norman Pattiz Chris has long since distinguished himself as a jewel for PodcastOne. When the Jericho Network collection first began he was certain it would evolve way past wrestling. Now he is taking another step in the introduction of the paranormal with the airing of Beyond the Darkness.


Chris Jericho has said he is just plain stoked as well as a bit creeped out to be announcing Beyond the Darkness. Tim Dennis and Dave Schrader are both at the top of broadcasting done with a paranormal platform. They each have a rather substantial base of fans who believe in them and have given them their trust. The Jericho Networks audience is expected to grow even larger as Beyond the Darkness comes to life.


Norman Pattiz founded Westwood One which became the biggest radio network in America. This was due to his insights and leadership. They provide entertainment, news, traffic, talk and sports programming to the Broadcast Industry. Norman founded Courtside Entertainment Group in 2010. This was the group he used to announce PodcastOne and PodcastOne sales.


In 2009 Norman was admitted into the National Radio Hall of Fame. He was also the recipient of the Giants of Broadcasting Award at this time. This award was presented by the Library of American Broadcasting. He launched an Arabic television and radio service to the Middle East and a broadcast featuring the Farsi language to Iran. He reached over 40 million listeners.

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