David Giertz Shares His Tips For A Comfortable Retirement

David Giertz has revealed the sad truth about millennials. They have not saved enough money for a comfortable retirement. Retirement is expensive, especially for people who retire earlier and live a long life. He has seen many individuals pull their social security too early. This reduces the amount they will receive. David Giertz has thirty years of experience in finances. This makes him highly qualified to provide excellent advice. He has discussed the most common mistakes and provided excellent retirement tips.

The most popular type of retirement account in the United States is a Roth IRA. This account is run by the government and aided by the employer. The employees matches a specific amount each month until they reach their limit. Beginning in 2017 individuals below fifty can contribute a maximum of $5,500 and individuals above fifty $6,500 per year. When taxes are filed as head of household or single the contributions cannot be made to more than one Roth IRA. When taxes are paid jointly as married the limit for annual income to contribute to both IRA’s is $189,000 to $199,000. When filing separately the annual income must be under $10,000 to contribute to both IRA’s.

Another popular account is a 401 k. This account is operated and backed by the government of the United States. Employers make contributions that are generally dollar for dollar until the limit is reached. The yearly contributions in 2018 increased to $18,500. People above age 49 can contribute $24,500 per year. The maximum catch up contribution is at $6,000 each year.

David Giertz recommends the Saver’s Credit for individuals of retirement age. The limits for yearly contributions increased in 2018. Mr. Giertz states a couple can use their retirement savings as long as their employers are unable to deduct their IRA contributions from their adjustable gross income each year.

The limits for health savings account contributions have also increased. The amount for singles is $3,450 each year and $6,900 for accounts that encompass the entire household. These accounts are beneficial because when the individual reaches 65 they can spend the funds on anything without having to pay a penalty.

Insightful Facts about Dr Jennifer Walden

Jennifer Walden has a passion for surgery at a young age, and she began practicing it even before eighth grade. Besides, Walden was also sharp in sciences, and her instructor always complimented her. She insists that her parents were her main inspiration because they used to work in the medical field. Her good educational background is impressive, and it is the basis for her successful career. After completing her training, Walden later moved on to New York City, where she pursued her interest in Aesthetic Surgery. She has developed her job over the past years and emerged to be the most sought-after plastic surgeon in the country.

At the beginning of her career, Walden majored in the surgery of the ear, eyes, and throat. Later in her career, she specialized in the surgery of the breasts, where she combined special chemicals to enhance their shape in women, depending on their desire.

Dr Jennifer Walden is a mother of two boys and is also determined by giving her two children good welfare. She relocated to Texas some years back so that her two boys could grow near her parents and learn the culture of her hood. Her successful career is as a result of her great dedication towards achieving the best and emerging the winner. She has received a lot of accreditation from various individuals in the country for her major achievements in the medical and surgery sector. Among the major privileges, she has enjoyed in her entire career include being nominated by her peers and selected for honors in various publications like the Texas Monthly. Besides, Walden`s commitment towards the use of the modern technology has seen her succeed profoundly throughout her entire career. She has always been prepared to adopt new changes, and this has seen her strive through her demanding career and more

Agora Financial The Secret to Living Financially Independent Retirement Life

If you want to achieve financial success, your focus should not only be on your business or job, but also on how you manage your finance. It is important that you save a portion of your income and invest regularly. Investing on a regular basis would help you accumulate considerable chunk of money in the long-term. Most people invest in various investment options without actually doing much research. Researching before investing is essential to ensure that the outcome would be as you expect. Different investment options in the market tend to confuse the investors, but with a bit of research, the investments options can be easily narrowed down.

Investing in your future is an important decision, and one should take proper precautions before investing. The first thing that people need to do is ascertain their goals and to find out what they want to achieve with their money. It is also essential that people set aside some emergency funds before they make any investment. One should not try to withdraw any funds from their retirement funds unless it is extremely necessary and a life-death situation. You might want to consider borrowing money rather than using your retirement fund. Investing your money should be a business decision and not an emotional one. Thus, one should not let negative experience prevent them from making any investment. One should also not invest money just for emotional purpose and should consider the return they expect to get when making such an investment.

It is best to diversify your investments as much as possible so that you can reduce your risks to a great extent. To stay in the know of the financial markets, reading the publications of Agora Financial is a perfect solution. There are over twenty publications of Agora Financial, and it helps the readers to know about what is happening in the financial market and whether it is a good time to invest or not. Whether it is stock market you are interested in or the mutual funds, rest assured that Agora Financial would provide you with complete research and statistics on different investment options available in the market. It would help you make the most of your hard earned money and in due course; you would be able to achieve your financial goals with ease. Agora Financial gets its information from various sources from around the world and its reporters travel across the globe in order to get firsthand and reliable information.

Stansberry Research: Commodities

Stansberry Research is a privately owned American publishing company. It is based out of Baltimore Maryland has offices in Florida, Oregon, and even California (Thedailyrecords). The company specializes in researching investments and produces a newsletter that is released by monthly. The topics of the company covers include such issues as natural resources, power, oil, and mining company investments as well as biotechnology. Stansberry Research has subscribers in over 100 countries and was originally founded in 1999 as an independent investment research firm.

The company keeps a close eye on the resource sector because commodities can become a valuable part of asset allocations. If you purchase commodities at the right time, it can be a great way to increase your asset holdings outside of the traditional asset classes that most people are familiar with such as stocks and bonds. If you are considering investing in commodities it is very important that you understand that commodities are cyclical. There is always a period of boom followed by a period of bust. It is not difficult to understand, but it is important that you do understand it.

The same factors that drive typical markets drive commodities markets such as supply and demand based on Stansberry Research. Anytime that supply and demand are no longer in balance, and it creates an imbalance in the marketplace. If the supply of a particular commodity comes up short relative to the demand for that particular commodity obviously the price of the commodity will increase in turn. High prices of commodities attract additional capital to the market from investors who are looking for profits. As these profits are found suppliers produce more of the commodity, and eventually the market reaches balance. The same process works in reverse also. If there is an excess of supply the price of a commodity will decrease. As the prices decrease supply will follow, and prices will rebound.

Commodities are typically not correlated with other asset classes such as stocks. In fact, there is little correlation between commodities. If you were to purchase a commodity during a bust. Making a massive profit is possible. Stansberry Research has followed the prices of commodities for many years.


Sheldon Lavin Is An Award Winning CEO with a Philanthropic Heart:

Sheldon Lavin is one of the most respected businessmen in the foodservice industry. He is the Chief Executive Officer and Chairman of the Board for world leading food company OSI Group. With an educational background in finance, business and accounting, Sheldon initially worked doing financial consulting. His life changed when he met the Kolschowsky family, the owners of OSI Group. The company, then known as Otto & Sons had started as an Oak Park, Illinois meat market and had evolved into a successful food solutions outfit. Sheldon’s initial contact with the family was to help them arrange the necessary financing to accomplish their expansion plans. The Kolschowsky brothers were so impressed with Sheldon, and likewise, that he came on board with the company full time. The company embarked on a series of expansions, all the while maintaining its tradition of being a family oriented business. When the Kolschowsky brothers retired, Sheldon gained full control of the business. Because of his leadership, today, OSI Group is a global leader in custom food solutions. The company has developed its impeccable reputation through it’s total commitment to its customers, its insistence on maintaining its integrity, its constant goal of innovation and its carefully planned expansion. Sheldon Lavin was honored in 2016 for his business accomplishments by the Vision World Academy.

Visionary Entrepreneur:

The Vision World Academy awarded Sheldon Lavin its prestigious Global Visionary Award in 2016. This prestigious honor is an acknowledgement of an individual’s outstanding accomplishments that were achieved by persistence. The Global Visionary was not the only award associated with OSI Group in 2016. The British Safety Council also honored OSI Group with a prestigious award, the Globe of Honour. The award was in recognition of OSI’s commitment to environmental management efforts.

Sheldon Lavin’s Thoughts on All Things OSI Group:

When CEOCFO Magazine sat down with Sheldon Lavin about OSI Group and his career, he had some interesting things to say. Asked about OSI Group’s global reach today, he comments that the company is now physically operating in 17 different countries and running over 70 facilities. OSI primarily deals in a product range based on protein but they also deal in vegetables, sauces and baked goods. Sheldon is also asked about the vision he had for his company from the beginning. He is clear that becoming a world-class operation was always the goal from day one. Sheldon is also knowns for his philanthropy and was asked about his involvement with Ronald McDonald House. He emphasizes that he is very passionate about giving back and has always worked hard to be charitable and encourage others to do so as well.

Sheldon Lavin info: en.wikipedia.org/wiki/OSI_Group

The Oxford Club is Run by CEO Julia Guth

The Oxford Club is an exceptional membership organization that specializes in providing the highest level of resources and analysis for investors from around the world and is led by Julia Guth the Chief Executive Officer. Julia Guth was hired by The Oxford Club in 1989 and has provided exceptional leadership and valuable guidance to the organization from its very inception. She currently serves as CEO and has continued to build upon a legacy of providing the highest level of analysis and evaluation of various asset categories that provide members of the organization with the power to increase their portfolio size and protect their life-long wealth. The Oxford Club was established in 1989 and continues to build upon a legacy of networking and providing opportunities for shared information and resources that give insight and perspective into the potentially lucrative investment opportunities around the globe.


The Oxford Club has a very knowledgeable and passionate executive staff that leads the companies publishing, research, editorial, customer service, sales, marketing, and operations activities to provide the world-class information and resources that have come to be known as the highest and most insightful information in the investment publication arena. The Oxford Club has more than 100,000 members that are global in reach and continue to provide valuable data-sharing and intellectual expertise that creates a powerful influx of information and resources for its organization. The Oxford Club provides insight and analysis on dividends, stocks, trading options, cryptocurrencies, private equity, bonds, and various other asset classes that generate extremely profitable returns on investments for its members.


The mission and goal of The Oxford Club are to provide very wealthy investors with an opportunity to leverage their investments and provide continuous long-term returns on investment while protecting their assets from the risk of loss from various economic activities. The resources provided by The Oxford Club generally outperform all other publications produced from the mainstream generators of investment information such as Wall Street Journal and various other reputable resource publications. With the leadership of Julia Guth, The Oxford Club continues to flourish and generate high levels of analysis, evaluation, and resources that are creating tremendous wealth generation and wealth protection for its members.

Bob Reina: He’s A Fixer

Bob Reina never met a situation he didn’t think he could fix or make better along the way. That is the type of individual he is and that is the type of leader he is as a human being. It takes a special kind of person to be a leader. Not everyone is built for it and not everyone can handle it and wants to deal with the pressure that comes with it. Bob Reina does not mind it, at all. He enjoys it because it means people think highly enough of him to put him in a position of power and keep him there.


When he worked in law enforcement, he knew he had a lot on his plate. Things move very quickly when it comes to being out there and trying to keep people safe. All it takes is one false move and something really bad could happen. If there is one thing that Bob Reina prides himself on, it is being prepared. He is prepared for anything and everything that could possibly happen in a scenario. You are not going to catch Bob Reina off guard or by surprise. He is ready for whatever is going to happen because he has thought of every possible outcome.


It is why he started up Talk Fusion back in 2007. Now, this is an award-winning video technology company with video newsletters, video emails, video conferences, and video chats. They are the best in video, and no one can compete with them. They won the 2016 Communications Solutions Product of the Year Award. It shows they know how to reach the right people and have a product that keeps people coming back for more and more. Bob Reina is always looking to keep people excited and interested in Talk Fusion.


Bob Reina loves this company and what it stands for as a whole. He loves the fact they won that award. It is what Talk Fusion really tries to provide for the people, which is a way for communication to lead to quick solutions. He knows that sometimes people can misunderstand each other or be confused by the tone of the text. The fact they have helped fix that issue and allowed people to communicate openly and honestly, that means the world to Bob Reina. He wants to keep on knocking down those walls and fixing things for everyone out there. Learn more: http://www.huffingtonpost.com/author/bobreinatalkfusion-704




Luiz Carlos Trabuco Cappi And Sustaining Bradesco’s Future Success

It is said that the vulnerability of a company may be rooted in the way a leader handles the workforce. It is dependent on how a leader treats the company’s staff regarding making them as part of the family of the company. The growth of a company may not reach its highest potential if it can’t be led well by the leader. In the case with Luiz Carlos Trabuco Cappi, we can say that to leave a company always prosperous even after his tenure, Luiz Cappi had to give his all and had to also extend his career just for the service.

The Leave of the Next President

We learn from the report from Folha’s news website that Bradesco will be seeing a new president in its management, as being officially confirmed by Luiz Carlos Trabuco Cappi. He mentioned that the president will now be transitioning outside the company, and therefore there would be an extensive and exciting transformation in the future of the company.

Bradesco has also finally confirmed that Lazaro Brandao would be exiting his position from the bank’s board of directors according to jusbrasil.com.br. Being the chairman of the company, Lazaro Brandao had been able to increase the growth of the company in ways that no other executive could handle. He’d been able to execute methods and ideas to the company to make sure that the company would stand the ethical challenges of the times. It’s harder these days to operate a large-scale bank and to withstand the threats of ruin and bankruptcy that lurk in the corner. But, it is with the fantastic skillset that Mr. Lazaro indeed sustained the kind of growth that the bank had been enjoying up to this day. Truly, there’s little wonder that the fact that Bradesco right now is Brazil’s second-largest bank is rotted in the significant contribution of Mr. Brandao.

Read more on globo.com

Luiz Trabuco Cappi’s New Position

Because of Brandao’s exit, Cappi will now be holding the head position on the Board of Directors. This would not be a comfortable position to take, but the executive history of Luiz Carlos Trabuco Cappi could easily accommodate such challenges. Mr. Cappi had been the man responsible for the acquisition of the HSBC bank in Brazil, and this decision had been transformative to the entire brand of Bradesco.

There’s a lot of new changes in the economy of Brazil, and it would be hard also for Mr. Cappi to get an accurate projection of where the company is going. However, asked about the direction of the company, Luiz Cappi said that the resumption of Brazil’s economy would come soon. Also with his record, there’s little wonder why Brandao also vouched for the competence of Luiz Trabuco Cappi in handling the bank.

In fact, if it weren’t for the fact that Cappi dealt with the executive positions in the company, there would be a difficulty for the country to find the recovery and chance to rebuild itself.

It’s also relevant to say here that Trabuco’s extension of his executive position as CEO is a result of a reasonable decision of Lazaro Brandao in assessing which executive can handle the best possible chances of sustainability of the bank in the coming years.

Learn more about Luiz Carlos Trabuco Cappi: https://epocanegocios.globo.com/Economia/noticia/2018/04/o-brasil-e-o-melhor-ativo-que-o-mundo-tem-para-investir-diz-trabuco.html

Who is Ronald Fowlkes?

Ronald Fowlkes is a business development manager for Eagle Industries Unlimited, he was also a veteran of the U.S. Marine Core. In referencing an interview on Inspirery, we can learn about some of what cultures the man known as Ronald Fowlkes. Fowlkes graduated from the respected Army Jump School. In the past he has also been a member of the St. Louis Police Department as well as a team lead for the P.D.’s SWAT team. He was first exposed to FirstSpear, a company he was later brought on board to, during his time as a Marine where he became hooked onto the company’s innovative concepts. Over the course of his career he continued to see FirstSpear’s presence and therefore saw it that he wanted to find a place at the company. Fowlkes can be accredited with over two decades of experience in the research, creation, and delivery of industry leading gear for officers and men and women throughout the armed services. Prior to joining FirstSpear, Fowlkes has had experience working as a military product salesman as well manager of business development at Eagle Industries and business development manager at ITW. At his current job entitlement at FirstSpear, Fowlkes is the director of business development, where he is able to integrate his past knowledge and experience to his new job in new intuitive ways.

In looking at another interview of Fowlkes on IdeaMensch, we can further gain insight on the backstory behind Fowlkes’ career. At FirstSpear, in serving as the director of business development, Fowlkes is responsible for coordinating with users from other departments such as law enforcement and military and is furthermore expected to demonstrate his business development skills to improve the marketing of new creations created by the FirstSpear product development team. Fowlkes joined the Marine Corps two weeks after graduating high school when he was 17 years old. To him it was something that was destined for him from a very young age, and furthermore something he never regrets to this day. He also credits his time with the Marine’s in getting him exposed to the company known as FirstSpear, which he later went on to become the director of business development for. He recalls that when he first saw the company he noticed its products attributes in being an extremely well designed and held together pieces of equipment. Today, with FirstSpear, Fowlkes balances both personal activities and his office job. He drops his three kids off to school prior to starting his day which consists of business calling as the company has a heavy load of international contracts.

In looking at Fowlkes’ blog on Medium, we can see some of his commentaries. He has commented on the aspect of fighting in the NHL and its lack in today’s game. Furthermore, he has also commented on the joint South Korean, North Korean Olympic hockey team, as he Is an avid hockey fan.


David McDonald: A Major Player In The OSI Group’s Success

In three decades of excellence at the OSI Group, David McDonald has risen from an entry level project manager to become the president and chief operating officer of one of the world’s leading food processing companies. Born in Iowa, McDonald grew up on a farm. He then attended Iowa State University where he was an excellent student. In his senior year in 1987, David McDonald won the Wallace E. Barron Outstanding Senior Award. After graduating later that year with a bachelor’s degree in animal science, David McDonald accepted an entry-level position with the OSI Group.

That decision transformed David McDonald’s life and led the OSI Group to a greater level of success. McDonald’s expertise includes operations management, quality assurance, food safety, product development and supply chain management. Within a short time his knowledge of the industry grew and he was able to use his excellent communications skills to work closely with the governments, suppliers and customers. He was also able to handle even the most technical and complicated issues the OSI Group faced as they expanded into new markets all around the world.

David McDonald played a major role in helping the OSI Group become China’s leading poultry processor. He has overseen the construction of 10 poultry processing facilities in the country by creating valuable partnerships. McDonald said his most satisfying moment was building the company’s newest facility in China. It took lots of time and effort, a large investment and finding the right location and the raw materials necessary to get the job done. Building the facility also required an understanding of the local culture. David McDonald was able to provide large scale solutions to the problems the company encountered.

Helping the company remain flexible, establishing solid relationships and surpassing customer expectations has enabled David McDonald to help the OSI Group to gain a foothold in many new markets. He also helped acquire Baho Foods to increase the company’s customer base in Europe. His exemplary work with local marketers keeps their activities flowing smoothly. David McDonald has made it easier for the OSI Group process food products and provide them to major companies throughout the world. This helped make the company a global juggernaut in the food services industry.

A husband and father of six, David McDonald lives in Warrenville, Illinois. He’s also very active in St. Michael Parish and is on the North American Meat Institute’s directorial board.

Contact OSI Group: interview.net/david-mcdonald-osi-group/