All posts by HarrietS

David Giertz Says Social Security is Critical

David Giertz is President of Nationwide Financial’s Distribution team, and has over 30 years of experience in the financial services and advice industry. In that time he has learned many financial advisers neglect a critical aspect of the overall financial picture of their clients, and it costs both the clients and the advisers a lot of money. Too many financial advisers ignore the topic of Social Security. They apparently believe people can handle applying for Social Security retirement benefits without their help. That is true, but that doesn’t mean their clients don’t need help and advice to maximize their benefits.

And many people do not understand how their Social Security benefits are calculated. In a survey by the Nationwide Retirement Institute, 86% of people within ten years of retirement did not know all the factors that go into how much money they will receive. According to Giertz, advisers see many people make the mistake of thinking 62 is the age to retire. Too many do not understand how much that reduces their future benefits. They take the money just because it’s there.

Social Security is a complex topic. The Social Security Handbook contains 2700 rules. Most financial advisers do not understand them all, so they lack confidence and, therefore, don’t bring up the subject. However, that means their clients make mistakes that can cost them up to $300,000 over the rest of their lifetimes.

Or it can cost the adviser. Because four out of five of the people who completed the survey said they would switch advisers if their current adviser did not talk about Social Security.

David Giertz credits his success in his career and life to what his mother told him. Work hard, look on the positive side and learn something new every day. He graduated with a Bachelor of Science from Millikin University, and received an Executive MBA from the University of Miami. He began working for Nationwide Financial in 1999 as Regional Vice President of the Southeast Territory.

ClassDojo – Helps Teachers without Wasting Their Time

ClassDojo was founded in August of 2011 by Sam Chaudhary and Limon Don. The duo said their intention is to turn every classroom in the world into a community. ClassDojo creates a channel between teachers and parents as well as parents to their children by using modern technology such as smartphones and tablets. This communication platform currently employs 30 people.

ClassDojo allows teachers to communicate with parents instantly to discuss the best methods to teach their children. The app allows teachers to share special moments in children’s lives that the parents would have otherwise missed. This tightens the bond between teachers and parents and creates a real community and culture with-in the education system. The app respects the teachers privacy, as well, with its “Quite Hour” feature.

Companies such as ClassDojo have recently went through a financial rut, but ClassDojo has not only survived: they were created and went on to prosper during this time.

With the Federal Government prepping for huge cuts in the education sector, teachers will have to do anything in their capability to hold the school together. This includes communicating with parents, children and other teachers in a way that promotes productivity without wasting valuable time.

ClassDojo is just one of the success stories, that despite the recent injustices that have held down the education system, that have emerged in parent/teacher communications.

The company says that it has excelled where others have failed by listening to teachers, parents and students throughout the short history of its existance.

Even though the platform is still in its early stages, the hardest part is over: getting into teacher’s hands. Teachers have overwhelmingly welcomed such products into their classrooms and now another problem has arisen for companies such as ClassDojo. The market has been flooded and teachers have no idea which products to use and which products to pass on.

Purely having a product that allows teachers to communicate directly to teachers with no hassle simply isn’t enough. Companies will have to continue to innovate if they wish to leap ahead of the competition.

The Amazing Jason Hope

Background & History

You can choose any good words to describe Jason Hope and the chances are that it will still be an understatement. Considering the amount of hard work and dedication he has put into multiple platforms and causes, Jason Hope is truly blessing to his community and those that he helps. If his last name was not an indication of what he provides to people, Jason really does bring hope to those who he chooses to support. The great thing about him is that he chooses to help anyone and everyone he sees fit.

Having multiple labels attached to him such as businessman, futurist, investor, and philanthropist, there are not too many people that he chooses not to help. In fact, it is one of the reasons why he receives lots of respect and admiration wherever he goes. As mentioned before, he wants to help in as many different areas as he possibly can to make the world a better place. From the medical field, engineering field, philanthropy work or the business field, Jason Hope is a godsend for everyone he can positively affect.

Having said that, there are obviously many examples that show how much great work Jason Hope is putting in year after year. So, to further understand Jason Hope and his vision for a better future, let us discuss his efforts in the field of anti-aging and medicine along with his contributions to the SENS Research Foundation.

Jason Hope, Anti-Aging, & The SENS Research Foundation.

As mentioned before, Jason Hope helps out as much as he can with one of those fields in specific being the medical field and the fight against anti-aging. In what has been a long-lasting and difficult battle against age in the medical field, Jason Hope’s support has benefited tremendously to the advancement in this area. With many people confusing the battle against aging a battle to look younger, Jason Hope realizes that the true battle against aging has the potential for cures in Alzheimer’s patients and other age-related diseases.

This is why Jason has provided contributions to the SENS Research Foundation, which is a non-profit organization focuses on the fight against aging. The strides that this organization has reached thanks to the support of Jason Hope are tremendous and show no signs of slowing down. Jason Hope’s support to this organization just goes to show how invested he is in making the world a better place.

Jason Hope info:

Todd Lubar On Achieving Success and Never Giving Up

Todd Lubar is a serial entrepreneur. He said in an interview that he would give some advice to people who are starting out as entrepreneurs. He says that there will be times when you feel down. There is no doubt that that will happen. However, you can not let yourself be broken. You need to pick yourself up and go forward. There will be setbacks, but if you give up, then you will never achieve success. Todd Lubar says that when you do step up again, learn from your mistakes. It is also a good idea to start taking a new approach to things if the first one did not work out as well as you thought it would. There is no reason to be stubborn if you can improve your methods. You can visit Ideamensch to know more.

Todd says that there are many sites on Google that list so many homes. It can be hard to find the home you want when you have so many available choices. However, Todd says, there are a number of good niche sites out there that have a smaller selection for a specific category. This will make it easier for you to find the home that you are looking for. Check out Yelp to see more.

Todd Lubar says that sometimes he has to make tough decisions, like going on a business trip instead of spending time with his family. However, this is common for all entrepreneurs. You have to manage your time wisely and find a time for everything, even if you have a busy career.

Todd Lubar says that he works hard on every level. He is also aware of what is going on in his organization. He pays attention to all the details and does not leave anything out. For more details visit Crunchbase.

Todd has decades of experience in the real estate, banking, finance, mortgage, and other financial industries.

Desiree Perez Speaks Out Against Grammy Awards

Desiree Perez is known for being the business mind behind the success of rapper Jay-Z. This makes her one of the most powerful executives in the music industry, as well as one of the most powerful female executives. She serves as the COO of Roc Nation which is the record label that she founded with Jay-Z. She made headlines again for speaking out after Neil Portnow, the President of the Recording Academy said that women in the music business needed to “step up.” Desiree Perez and other women in the music business found the comment to be offensive, signing a letter with six other women condemning the comment which was sent to the Board of Trustees for review.

The letter stated that they found the Recording Academy’s views on women to be out of touch with society and with today’s music industry. This letter requested that the recording academy investigate the issue of including women in the music business. The Recording Academy responded by creating a task force to investigate the inclusiveness of women in the industry. The female executives have also offered up their services to the Recording Academy to help out in regard to the investigation.

Desiree Perez has been active in the #MeToo oampaign which is aimed at the direct spread of female artists looking to pass the message along. Desiree Perez is also known for being a negotiator, leading to a $200 Million deal with Sprint.Desiree Perez has had a business relationship with Jay-Z for 20 years, running his business. Along with Jay-Z, she recently launched the Tidal app and has negotiated several deals for Beyoncé and created a deal between Samsung and Rihanna. Desiree Perez is also part of the Hova Circle of Influence which influences operations such as the Tidal app.

Why stock options are bad for a business, according to Jeremy Goldstein

The use of stock options is a corporate compensation method. It has been applied for many years but is slowly coming down. It is no longer the method of compensation that it was. It is becoming riskier for businesses to apply it. Companies claim to be improving their capacity to save more money. It is one of the reasons that it has been coming down, but it is not the only reason. There are other reasons why this happening. Jeremy Goldstein is a lawyer who has been helping business corporations to deal with the issue of workers’ compensation. He has given more information about stock options.


First of all, let us look at the disadvantages of the stocks options. Stock options are not good for any business or its employees. Many issues have been associated with them which qualify them as one of the compensation methods that are outdated. Stock options are dependent on the performance of the company. If a company fails, stock options also fail. This means that employees lose their stock options. With economic depressions at an all-time high, employees are never sure if they will reap the benefits of stock options. It is very easy for one to lose them when a company fails.


Another reason is that stock options have far-reaching effects if they fail. They will affect even the shareholders of a company in a scenario known as options overhang. It is possible for a company to lose even its shareholders.


The use of EPS


Good alternative to the stock options is the Earning per Share (EPS). EPS is a performance-based system of workers’ compensation. It is a strategy that can ensure the company applies an effective system of giving out incentives to its workers. EPS, according to NY lawyer Jeremy Goldstein can help businesses run successfully. When the productivity of the workers determines the incentive, there will be equity, and the workers will be motivated to put more effort in their work as a way of getting higher pay.


Jeremy Goldstein adds that although the method is effective, there are those who oppose it since they regard it as a method that creates loopholes in the corporate sector for CEO to carry out favoritism and also dupe shareholders by creating a wrong impression about the stock value. EPS are therefore vulnerable to misuse by rogue business executives. Learn more:


About Jeremy Goldstein


Jeremy Goldstein is an experienced and reputable lawyer who offers business advice on workers compensation. Jeremy Goldstein has helped companies such as Verizon and the Bank of America structure an effective compensation program. He is ready to help even more businesses if need be. Jeremy Goldstein has a law firm in New York. It is called Jeremy L. Goldstein & associates.

Jim Larkin and Michael Lacey Speak Out Against Trump and Arpaio

Michael Lacey and Jim Larkin are two Phoenix journalists on a mission. That mission? To see former sheriff Joe Arpaio placed behind bars for his crimes against migrants and his disgusting racial profiling practices.

Last year, they got close enough to taste victory, with Arpaio convicted for criminal contempt of court, and sentencing only weeks away.

However, it was at this time that President Donald Trump officially pardoned Arpaio, sparing him the cell. After blatantly ignoring court orders, stringently flouting the rights of migrants, and ordering the illegal arrest of Larkin and Lacey, Arpaio will not be served justice.

A Criminal Walks the Streets

Arpaio has had a long history of struggle with the law. He’s no stranger to controversy either, openly flaunting his hate for immigrants, and his distaste for what he calls “dirty” Mexicans. However, he’s also no stranger to the president, in fact, he’s been one of Trump’s closest allies since before he had even taken the GOP nomination.

This has served him well and netted him a reprieve from justice after his long feud with Larkin and Lacey. For years, Larkin and Lacey had uncovered the horrifying deeds of Arpaio, from prison camps that Arpaio himself compared to concentration camps to the creation of gangs to round up immigrants. Arpaio certainly knew how to skirt the law.

But Arpaio also knew politics, and this served him far better than his transgressions ever did. From his initial endorsement of Trump and his sudden adoption of racist and violent philosophies, Arpaio earned the admiration of the far right and the protection of the president. Read more: Phoenix New Times | Wikipedia and Michael Lacey | Crunchbase

He couldn’t be touched, and he knew it. While he did lose out on his seventh term, he’ll walk a free man, and he may never have to answer for his crimes. But Larkin and Lacey aren’t a pair to give up the fight, and they will keep going until he’s behind bars.

Arpaio Earns Two Lifelong Enemies

The self-proclaimed toughest sheriff in America has often had his repulsive deeds laid bare by Larkin and Lacey via their paper, the Phoenix New Times. So it was only a matter of time until, like an enraged bulldog, he clamped down on their necks.

In 2007, during the dead of night, he sent his gangs to the homes of Larkin and Lacey, stuffing them into the back of unmarked vans with Mexican plates, and smuggling them into Arpaio’s infamous jails.

However, this attempt to silence his critics got out and Arpaio came under relentless fire from the media as well as the public, forcing him to release the two journalists less than a day later.

The Lacey and Larkin Frontera Fund

After the abhorrent abuse of power Arpaio displayed with the arrest, Larkin and Lacey filed suit, and, after several years, walked away with a $3.75 million settlement.

The pair used the settlement to create the Lacey and Larkin Frontera Fund, a nonprofit solely dedicated to providing grants for organizations which protect human and migrant rights throughout the state of Arizona.

Learn more about Jim Larkin and Michael Lacey:

Jim Larkin and Michael Lacey Continue Fight for Latino Rights after Pardoning of Joe Arpaio

Michael Lacey and Jim Larkin on the Enduring Sins of Joe Arpaio, America’s Worst Sheriff

The End Citizens United (ECU)

The End Citizen United is Political Action Committee based in the US. The organization was formed in 2015. Its headquarters are located in Washington Dc. Tiffany Muller holds the position of the President and Executive Director. Since its formation, End Citizens United has been focusing on reversing the U.S Supreme Court decision in 2010 in Citizens United v. Federal Election Commision. It has a goal to drive big money out of politics to help in electing “campaign-finance reform champions” to Congress. The committee does this by contributing and looking for ways to make nobody to support these candidates and also aid in running of various independent expenditures.

After it was launched on March 1st, 2015, the End Citizens United took part in the 2016 election. That was its first cycle. ECU spent approximately 25 million to fund the candidates as well as taking care of other expenditures. This was not a bad beginning for End Citizens United as the cycle was run smoothly.

End Citizens United has been recognized as one of the largest committees to contribute in endorsing power to Senators such as Catherine Cortez Masto and Maggie Hassan. This was during the 2016 election. ECU has also supported Democratic candidates including Hillary Clinton, Zephyr Teachout, Russ Feingold, Jon Ossoff, Beto O’Rourke and Elizabeth Warren. The organization spent around $4.4 million during this election. By mid-2017, End Citizens United had raised more than $7.5 million. This was a great achievement for the company and they hope to raise more than $35 for the election cycle in 2018. This is because they have gained more reliable donors who are willing to support their work.

End Citizen United is on a mission to scrap off the corruption that is being entertained in the electoral systems. This is the main reason they are in support of the Democrats who they believe will help the nation in this critical issue. Democrats portray their efforts in reforming the campaign finance system, which does the country no good. They believe that under Democrats leadership, the United States will experience reforms that will benefi the nation as a whole.

To shut down the billionaires who are working hard to buy the elections, End Citizens United has a plan that includes electing of pro-reform candidates, bringing forth the issue of money usage in politics to be a national concern, using ballot measure campaigns for passing pro-reform laws among others. According to the Director, the End Citizens United has just begun its work. There is more in store for the upcoming election cycles and they hope they will have made enough money to support their candidates. End United Citizens committee believe that their efforts will eventually bear fruits.

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The Chairmanship Of Luiz Carlos Trabuco Cappi At Banco Bradesco SA And The Corresponding Changes

Luiz Carlos Trabuco Cappi is an energetic face of Banco Bradesco SA leadership for the last couple of decades. He played a crucial role in taking the vision of the Brazilian banking firm forward as its Chief Executive Officer and led many strategic acquisitions, including business development plans. Interestingly, Cappi was chosen as the Chairman of the bank by the Board of Directors in October 2017. He was elected to the new role considering its previous Chairman, Lazaro de Mello Brandao, was stepping down from the role. The new role of Luiz Carlos Trabuco Cappi in the bank gives a number of changes in its management.

Currently, Cappi assumes the role of Chairman as well as CEO, and the situation will remain same until March 2018. The firm has set a deadline for new CEO by then, and it started its search for new CEO to lead the bank. Because the company follows a tradition of finding people to lead it from inside its organization, any of the Vice Presidents of the firm are most likely to fill the post. A Sao Paulo based newspaper, O Estado de, suggests that it would fall on Mauricio Minas, the Vice President of the firm with responsibilities of technology. The technology revolution brought by him has helped the bank to enhance the digital banking capabilities and ensured the integration of HSBC.

However, there are other thoughts that any of the six vice presidents of the firm has the opportunity. They are Marcelo de Araújo Noronha with the responsibilities of investment bank and cards, Alexandre da Silva Glüher with responsibilities of investor relations, Domingos Figueiredo de Abreu with control of treasury and credit, Josué Augusto Pancini with responsibilities of Prime and entire social network, André Rodrigues Cano with charges of Human Resource, and Octavio of Lazari Junior with responsibilities of Bradesco Seguros.

Read more: Bradesco: New president to leave executive body, says Trabuco

Among them, Glüher seems to have many likes as he played a key role in HSBC integration – the biggest in the bank’s history. Also, Pancini has the eligibility of the longest-serving vice president inside the bank. It is yet to see what criteria Bradesco management would consider while choosing the right candidate for the top post. Interestingly, the next CEO would not be part of the board of directors of the banking firm, Trabuco confirmed recently. Also, the vice president role of the council is going to be occupied by one of the longest-serving employees of the company, Carlos Alberto Rodrigues Guilherme.

Luiz Carlos Trabuco Cappi started his journey with Banco Bradesco in 1969 as a clerk at the age of 22. His hard work helped him to grow in the organization consistently and held various leadership roles in the recent decades. His more than four decades of expertise in the banking industry and journey with Bradesco helped him to vision better strategies for growth. Interestingly, Bradesco is the second largest banking firm in Brazil in terms of market capitalization. Trabuco became the CEO of the bank in the year 2009, and the later years saw many acquisitions including the famous HSBC integration.

Before assuming the role, Trabuco was the executive vice-president of the firm. He also served roles including Managing Director, Vice President, Department Director, and more. Apart from that, he also served as the Chairman of Odontoprev Board and was a member of ArcelorMittal Brasil Director Board. Trabuco was also the President of FENASAÚDE and ANAPP. While coming to the education, Trabuco earned his graduation in philosophy from the University of Sao Paulo. Additionally, he did post-graduation in Socio-Psychology from the University of Sao Paulo’s School of Politics and Sociology Foundation.

Visit for more details about Luiz Carlos Trabuco Cappi.

Fabletics: Customer Focused

There’s a new way to shop, and it doesn’t necessarily have to be online. Whether they’re online shopping or in-store shopping, people are crowdsourcing their purchase decision. Crowdsourcing is gathering information from multiple sources, with personal experiences, to make a conclusion about a particular subject. When it comes to shopping, the conclusion is whether to buy or not.

Modern consumers, no longer trusting traditional advertising and marketing, turned to online reviews written by people just like them. These user reviews are a significant factor in the decision-making process. In fact, it’s the most impactful determining factor. Research shows that people are less likely to buy from a company that has a bad reputation.

While some companies haven’t caught on to how online reviews work, savvy brands developed review-centric marketing strategies. If a company is customer-focused, their customers will give them shining reviews online. That, in turn, brings in new customers because people trust online reviews as though they are personal recommendations.

It’s amazing how much social media has changed the way businesses advertise. People rely on reviews more than they realize. One study revealed that most people keep tabs on their favorite brands, researching them at least once a month, and regularly read reviews.

A positive online reputation is a part of Fabletics’ founding principles. Founded only four years ago, Fabletics is already a dominating force in the activewear market. It wasn’t easy overcoming powerhouses like Lululemon, but Fabletics had something Lululemon didn’t; affordable prices.

It’s amazing to think that a brand with such on-trend fashion is actually affordable. There’s even a positive message behind Fabletics’ fashion. When Kate Hudson, co-founder of Fabletics, first started talking about the brand’s lines, she wanted to create fashion that would inspire every woman wearing Fabletics to embrace an active, healthy lifestyle.

Over the years, that positive message and friendly personality attracted 1.2 million monthly members. It’s also attracted more than 20 million social media followers. Recently, Fabletics received another boost in its reputation after announcing their first plus-size lines. Plus-size women are usually left out of fashion movements, so Fabletics wants to be different.

Before Fabletics, the only companies creating plus-size activewear were either cheaply made or they charged $250 for one pair of leggings. Activewear shouldn’t be about money; it’s about America’s struggle with health.