David Giertz: Tips for People to Retire Well Financially

First, why should a person listen to Giertz? Well, he had worked from Citigroup from 1989 to 1999. He then worked for Nationwide Financial where he has made many achievements. He has been a financial adviser for more than 20 years and knows how to give his clients the financial information that they need to be financially successful. He definitely has the experience to give people about what they should do when they retire.

David Giertz’s first tip is about 401(K) accounts. His tip is that the yearly contribution to these accounts will be increased by $18,500. If you are 50 or older at the end of 2018, the contribution will have been maxed at 6,000 per year to catch-up.

Giertz’s second tip is about Roth IRAs. He believes that the income limit for Roth IRAs will be increased in 2018. This will enable taxpayers to give more than in the past. At the moment, he says that the phaseout range for Roth IRAs is $120,000 to $150,000 for individual people, 0 to $10,000 for married people. If the married couple files their taxes together, the phaseout limit is $189,000 to $199,000. Another piece of IRA advice from Giertz is that the only way to give to Roth IRAs higher then the phaseout limit is by giving through a backdoor contribution. A financial adviser can tell people how to do a backdoor contribution.

Another popular savings account are health savings accounts. After a person is 65 years old, a person can actually take the whole amount out of their health savings account at the end of the year. They can do this even they don’t use the money in the account for medical expenses. If you are an individual, the contributions for HSA will be $3450 per year. A whole family can give $6,900 per year.

As far as Retirement Savings Contributions Credit, the income limits are going to drop to $63 for married people, $47.25 for the head of a household and $31.50 if you are single or a married person that decides to file separately.

David Giertz can provide this advice because of his past experience.

OSI Food Solutions: Providing Quality and Affordable Meat for the Public

With a lot of controversial issues surrounding meat production, much needs to be said about a company’s reputation when it comes to health, safety, and overall quality of their meat products.

One company that truly stands out is OSI Food Solutions, an Illinois-based company which is privately owned, comprised of meat processing plants that serve as one of the nation’s leading industries serving the retail and food industries.

OSI Food solutions have most of its plants under the name of OSI Industries, LLC. These plants located in the US are based in Chicago, Geneva and West Chicago. Some off-Illinois plants are located in Oakland, Iowa, Utah, Jordan, Fort Atkinson, Wisconsin and Riverside in California. They provide services to private label brands and collaborates large brand names for its various products globally. They currently are in operations internationally in North America, Europe and Asia-Pacific.

OSI Food Solutions common products include meat patties, hot dogs, frozen pizza, seafood, pork, poultry vegetable and frozen dough. They have partnered with food establishments such as Subway, Papa John’s Starbucks, and Pizza Hut.

The company has strived to provide quality processed meats and rose to become one of the top providers in the retail and food service. As a proof of their work, they received several awards over the last couple of years. They have awards in terms of food quality, health and safety regulations and environmental awareness throughout their years of service.

In 2016, OSI Food Solutions received the 2016 Globe of Honour given by the British Safety Council. The company also belongs to the top 100 food companies in the USA, as they are recognized for their consistent quality production of processed meats and other products.

The company is continuing to achieve a tantamount success after acquiring one of the food plants by Tyson, one of the leading chicken providers in the country. They hope to double the chicken production, as some areas in the United States and Europe are reporting chicken shortage over the past few months. OSI Food Solutions hopes to lessen the effects of these shortages by doubling their chicken production annually.

Additionally, the company continues to grow in revenue as they also purchased Baho Food Group and Flagship Europe. Undoubtedly, their success lies in their dedicated service and top-notch products which acquired them to expand on an international scale. At present, OSI Food Solutions is geared towards an increase in production of their meat products, as well as expanding their headquarters globally.

Learn More: en.wikipedia.org/wiki/OSI_Group

Remove The Invisible Barrier In the Classroom With ClassDojo

In two-thirds of schools in the United States and in 90% school districts, there is a communication platform that is used where parents can see student school work through teachers uploading via photo called ClassDojo. Worldwide, there are millions of people who as downloaded this app already, which is available right in your Google Play, or Apple Store. The positive impact this edtech platform has had on the masses is amazing, actually transforming the teaching experience. Imagine if you’re in the classroom and there is a way to remove that invisible barrier between the classroom and the home, and teachers can keep the parents involved able for them to check how their progress is coming along.

That is exactly what ClassDojo does, connecting everyone involved in the education process, creating community empowerment and innovative ways to succeed. This company was able to raise $21 million in 2015, proving when it comes to the education and technology world, ClassDojo is a must have in the classroom. Their whole mission to bring collaboration and support like no one else out there is obvious to their success. Countless testimonials has surfaced how parents are full of gratitude using this app, claiming they always wanted more communication and to be more involved on a daily basis on how their child is doing.

Many people who have personal experience with app has taken social media by storm, posting their positive reviews regarding ClassDojo, and this edtech platform has not even spent any money on marketing. Parents don’t have to just rely on parent-teacher conferences anymore, that happens only once a quarter to check on the status of their child. Rather your child is behaving in a productive way, or they need that extra push to stay focused on learning, this is a great platform to have for behavioral reasons as well, able to add or subtract points from the student using ClassDojo.

Jason Hope supports treatment of old age diseases

For the past three decades, there has been extensive research on aging diseases in human beings. The research has been targeted at developing drugs that can cure age-related diseases. It is common knowledge that the human body gets weak as one gets older. When the human body becomes weak, it is susceptible to all manner of diseases. This is the reason why many old people tend to develop diseases that did not affect them when they were young. The research that is being conducted by the various organizations is aimed at identifying the cause of aging in the human body and then try and slow down the process.

For the last two decades, very little breakthroughs have been realized. The results of the research have been disappointing. Part of the reasons why no good results were achieved is because the research was done using animals yet the research was meant to find a cure for human beings. There has always been this idea that the animal’s process of aging is similar to that of human beings. The small animals which are used in research have a short lifespan as compared to the human beings who have a more extended a lifespan. After conducting research using the lab animals, researchers would find that there was no difference in the human body. They realized that genetic differences in human beings and animals would not allow for a cure developed using lab animals to apply to human beings.

Today, researchers have realized this difference between lab animals and human beings on the matter of aging. Researchers have found out that there is one substance in human beings that cause aging called, glucosepane. It is the substance that slows down the body function. It normally builds up as human beings get old. With this breakthrough, researchers are now able to apply their expertise only on solutions that fight substance.

One research group that is very active in this field of biotechnology study is SENS Research Foundation. It is a non-profit organization which is supported by philanthropist Jason Hope.

About Jason Hope

Jason Hope is an entrepreneur in the field of biotechnology. He sees this as a field that will lead to innovations that will alleviate human problems. Jason hope believes that biotechnology will be the solution to aging problems on human beings. Diseases which affect human beings due to old age will be cured through drugs that will slow down the rate of aging in human beings.

Jason Hope’s Social Media: twitter.com/jasonhope

Real Estate Investor Todd Lubar

Todd Lubar is a real estate agent who launched his career in 1995, quickly decided that real estate and finance was where he belonged due to his passion for helping others and his interest in the industry. He started out with Crestar Mortgage working as a loan originator and learned the art is conservative mortgage banking. During this time he built strong relationships with real estate agents, insurance agents, financial planners and Certified Public Accountants who are now his main source of referrals.

Todd acquired equity in the company Legacy Financial Group in 1999, allowing him to dramatically advance his career and expand the lending ability to broker loans and lend as a mortgage back. Todd founded a residential development company, Legendary Properties LLC in 2002, where he rehabilitated and eventually sold more than 200 purchased multi-family and single family properties. This allowed his company to not only build solid relationships with numerous contractors and experts in the industry but also with major banks and establish multi-million dollar lines of credit.

To further his involvement in the mortgage banking field, Todd Lubar founded Charter Funding which is a branch of First Magnus Financial Corporation which is one of the largest privately held mortgage firms in the United States. He then went on to start Legendary Financial LLC in an effort to help a sector of the market that couldn’t qualify for traditional lending for companies and individuals. The company processed over 7000 loans which gave Todd the shooting ability to recognize the level of risk in any loan situation based on the conditions of the market. Check out about.me to see more.

Todd Lubar is now the president of TDL Global Ventures and Senior vice president of Charter Funding. He is a graduate of Syracuse University with a degree in speech communication. Todd lives in Bethesda Maryland with his two children. For more details visit angel.co

Click here: https://twitter.com/todd_lubar?lang=en

Jeremy Goldstein Solves EPS Problem

Jeremy Goldstein is one of the leading business lawyers in the industry with over 15 years of experience. Many companies seek his legal counsel in regards to employee benefits and related concerns. Goldstein has worked with various independent law firms such as Wachtell, Lipton, Katz, and Rosen.


Being involved in transactions with large Fortune 500 companies, including Duke Energy, Verizon, and Goldman Sachs, Jeremy Goldstein has skills that are demanded by the market. Moreover, he is involved with different business and finance committees. He also speaks and writes on corporate governance and executive compensation. Aside from his business ventures, Jeremy Goldstein enjoys helping the community. He is an active member of the Make-A-Wish Foundation, and Foundation House (a charity that helps individuals with mental illness). More recently, Goldstein explained a mutual agreement for employee incentives.


There are a plethora of contributing factors that create a workable environment for large-scale companies, but it is difficult to fully address them. Jeremey Goldstein is one of the people who can see this dynamic and that it will cause a struggle between employees and investors. Goldstein offers companies to better utilize their Earnings per Share or EPS, especially in performance-based services.


For stockholders, EPS is the most influential factor in determining the quality of investments. Consequently, companies tend to show misuse this important factor when they abuse it. More specifically, the top executives in the company want to project profitability, and the best method they do it is by skewing the results. Aside from the illegal aspects, EPS can significantly deter employees from receiving any incentives.


There is a trickle-down effect when stockholders are given a false sense of prosperity. When the mistake is pointed out, the company suffers financially, which essentially means that employees suffer. Many believe that skewing EPS is not a sustainable effort, as it only provides short-term benefits. It is only after companies start working towards long-term investments that they truly prosper. EPS serves only as a virus that boosts profits temporarily but causes large damage in the future. Learn more: https://www.linkedin.com/in/jeremy-goldstein-26aa1b4


Jeremey Goldstein proposes a solution: a mutual agreement between the anti and pro EPS advocates. While removing the EPS pay-based performance is not ideal, Goldstein suggests that CEOS and top executives be held accountable for their actions. EPS should fit the company goals and its long-term investments.

Brazilian Business

Felipe Montoro Jens was a good man he enterted the stock market and this was a good choice that he decided to do. The Brazilian Business market has greatly expanded and he has managed to be apart of it. He made the choice to become apart of something that is big! Anyone who chooses to enter the stock market has greatly made s very good choice . The stock market is good to enter due time the fact that this can bring you a lot of funds. When you make the choice to invest in the stock marketers kne of those things that definitely pay off in the long run! Felipe is a highly intelligent man and has done a lot for his country . He has become apart of the Brazilian Business market ; this was a very wise choice for him to peruse. Always look for way to improve you le Daily life and if you want to do the same thing with improving our lifestyle ; you should also learn how to invest in stock as well. Because the stock market is growing everyday. Many more businesses are starting to develop in Brazil . It is good to become in board with doing this ! The growth of the Brazilian market is going to grow tremendously . The answer to many economical problems is the ability to have more businesses . The more businesses the better the wcomomy gets because people will have jobs and if people have jobs they can take care of themselves and their families . This is a very good thing hat the stock market exist because people like Felipe can enter it and make the world become s better place . Due to the fact that he actually had done his reseearch to figure out how the stock market actually works now and days . He has managed to do his research and is growing today within the stock market his family and friends are very proud of him .

Barbara Stokes — FEMA Following Irma

Barbara Stokes is an American entrepreneur. She is creating a company that will assist with hurricane relief efforts. The devastation that has been brought about because of the worst hurricane season in modern times will not soon be forgotten. The name of the company is Green Structure Homes. They have allied with FEMA and developed their own unique system of safety protocols to protect the occupants of homes. The 2017 season of hurricanes had a massive impact on the lives of Americans everywhere. It was a year wrought with devastation. The Yellowhammer State was hit particularly hard. Both hurricanes Nate and Irma were relentless in their devastation, they did not let up and the destruction was felt. In Alabama, homes were damaged and people were placed at risk, but they were lucky enough to outlast the full strength of the storm. The worst effects were avoided. Visit her Linkedin profile to know more.

More than 200,000 people fled the state of Florida to seek out refuge in the state of Alabama. This shelter came in handy. Many communities in Texas and Puerto Rico suffered major damages and faced extensive losses due to the storms. The communities came together and assisted one another in their greatest time of need. People donated supplies, raised money, and gave to shelters.

In the months following the great storms, Alabama has granted a company some beneficial contracts with FEMA. The Federal Emergency Management Agency awarded Barbara Stokes and GSH a contract $28 million and they began building hurricane resistant homes in October. Construction of the updated homes is slated to be complete by March 2018. Barbara Stokes is a veteran of receiving federal grants and she has promised to use the money to its full value. She will construct quality homes for hurricane survivors and create a better life for those families in need. Visit cullmantimes.com to know more about Barbara Stokes.

Immediately after signing the FEMA contract, GSH made an announcement that they would be hiring additional workers. The added manpower would expedite the building process and boost the economy. The employees would be constructing homes throughout the Southern states of America. The great thing about the hurricane relief presented by GSH is the awesome ability to quickly produce assistance and aid to those that need it. GSH is doing a great job at placing the victims of past hurricanes into better homes. Barbara Stokes is providing a vital service for the United States and the next time a disaster strikes we will be ready.

View: http://markets.businessinsider.com/news/stocks/Huntsville-Alabama-Based-Company-Awarded-28-5-Million-FEMA-Contract-1002883259

A Look Into Luiz Carlos Trabuco Cappi, President Of Bradesco Bank

When Lazaro de Mello Brandao announced that he was leaving his position as the president of Bradesco Bank, there was a lot of anticipation as to who would replace him. Having held the position for more than 25 years and steered the bank towards becoming the second-largest one in Brazil by market value, it was evident that whoever would take over from him had big shoes to fit in. That’s why it didn’t come as a shocker when the then CEO of the bank, Luiz Carlos Trabuco Cappi, received the position as President of Bradesco.

During his tenure, Brandao fostered a company culture of obtaining executives from the company’s existing ranks instead of seeking for talent elsewhere. That’s why it made sense that the chairman position was given to Luiz Carlos Trabuco Cappi after intensive private discussions among the executives.

Luiz Carlos Trabuco Cappi Background

Ever had of someone who has worked in one place their entire life? Luiz Carlos Trabuco Cappi is one of those people. He was born in Marilia Brazil in 1951. He started working in Bradesco bank at a tender age of 18 where he served as a clerk. During this time, he became a valued asset to the company as he performed his duties diligently in the position of a clerk. However, he could only work at a low service level as he lacked the necessary experience to take on bigger responsibilities in the company.This is what drove him to consider advancing his education after working in the bank for 15 years.

He joined the University of San Paulo in a bid to advance his education, and it is here that he pursued a business degree for four years. He worked hard and graduated with first class honors, an achievement that saw him receive sponsorship from Bradesco bank to advance his education. He joined the Sao Paulo University again and pursued education in socio-political science and a Ph.D. After this, he felt confident to handle bigger responsibilities at Bradesco.

The Bradesco bank received Luiz Carlos Trabuco Cappi warmly after advancing his education, and he was promoted from a clerk to the manager in charge of marketing. During his service at this time, he significantly boosted sales in the company and expanded its clientele base through the use of infomercials. Luiz Carlos Trabuco Cappi’s achievements led him to be promoted as the executive vice president of the bank in 1999, and later the chief executive officer. He later succeeded Lazaro Brandao as the president of Bradesco in March 2009.

Read more on economia.estadao.com.br

Luiz Carlos Trabuco Cappi’s Rise to Presidency

Luiz Carlos Trabuco Cappi became one of the four people that have ever held the position of presidency in the bank since its inception. Unlike most bank presidents who boast degrees in economics, administration, or accounting, Luiz Carlos Trabuco Cappi holds a philosophy degree from Sao Paulo University and post-grad degree in socio-political science. He came in when the bank’s market value stood at $30 million. His primary responsibilities were to improve the bank’s financial position and facilitate effective competition in the market.

He has managed the employ the organic growth strategy that focuses on offering friendlier interest rates to clients. During his tenure as president, he has also expanded the banks operations by opening 211 new branches. Currently, the bank has an average market cap of approximately $66 billion. Luiz Carlos Trabuco Cappi is a steering force that has seen the bank’s annual profits rise to 35% up from 26% when he was appointed as president.

He has had numerous achievements in Bradesco. He has successfully led the “Vote Christ” campaign and contributed to the modernization of the insurance market in Brazil.

Learn more about Luiz Carlos Trabuco Cappi: http://www1.folha.uol.com.br/mercado/2017/10/1926243-proximo-presidente-do-bradesco-saira-da-diretoria-do-banco-diz-trabuco.shtml

Fabletics Defeats Overwhelming Odds

Fashion isn’t an industry that people get into just because they want to. It’s very difficult to establish a brand name and compete with the powerhouses already dominating the industry. The only way to even begin trying to succeed in fashion is to find a small, unexplored market and dominate that first.

As difficult as that seems, that’s exactly what Fabletics did. Fabletics is an activewear brand that found a way to compete with powerhouse brands like Lululemon. Fabletics was the first activewear company to offer on-trend fashion at affordable prices. It also uses a subscription mechanic combined with a personalized service that makes members feel special.

Despite some controversy over its membership models, Fabletics was able to attract 1.2 million paying members. It also has over 20 million Twitter followers and countless non-sponsored bloggers praising the brand. The most impressive achievement is the 18 retail stores nationwide. Opening physical stores in a digital world isn’t easy.

There are a lot of contributing factors that makeup Fabletics’ success, but having affordable prices immediately comes to mind. Most high-quality brands sell single items for upward of $80 to $100. Most Fabletics members can buy two or three items for about the same amount.

That kind of marketing brilliance is quickly making Fabletics one of the most preferred brands. Being a members-only brand may hold it back at some point, but they use that method to give their customers extra attention. Every month, each member receives a list of outfits Fabletics’ experts predict fits their personal styles best.

With features like that, Fabletics is going to enjoy a big piece of the activewear movement. Last year, the movement generated $44 billion in the U.S. alone. Morgan Stanley predicts that by 2020, U.S. consumers will be spending twice that much on activewear.

As the future of activewear is being predicted, the future of every company is being decided by their customers. Traditionally, companies used marketing and advertising to present the brands to customers however they wanted. Now, a new consumer behavior has given all that power to the customers.

Online reviews, or user reviews, are quickly becoming a source of valuable information for potential customers. People no longer trust traditional marketing, and instead, trust online reviews as though they’re personal recommendations from people they know.