David Giertz Gives Retirement Advice

David Giertz has been speaking out for a long time on a sad truth in American society. That truth is that the majority of Americans will not have enough money saved once reaching retirement age.

A substantial amount of money can be necessary to facilitate a comfortable retirement. This is especially true for individuals that retire early and are blessed with a long and healthy post-retirement life. However, for those individuals who have only saved enough money to survive for a few years, their retirement dreams can quickly become a nightmare.

David Giertz is an expert at helping Americans prepare for retirement and has the following brief advice for those facing retirement in a few years and perhaps did not begin to plan early enough.

Consider Relocating

An idea that may be obvious to some is to move to a part of the country with a lower cost of living than where you presently are. Also, if living in a big city it is important to remember that these cities cater to working professionals and are usually more expensive to live than a smaller city would be.

David Giertz also explains that for more daring individuals that are willing to spend their golden years in a foreign country that there are a number of locations where a high level of living can be attained for much less money than in the United States.

Plan For Retirement Income

David Giertz recommends that some type of income is maintained during retirement years. This income can be passive or active in nature but is necessary to have in the event an emergency arises.

Take A Close Look At Your Retirement Benefits

Payments from social security are usually of a modest nature but many times can be just the extra money that is needed to provide the needed boost to live out retirement years.

Giertz explains that it is also important to understand the impact on your quality of life that will result from early retirement as partial government retirement benefits cannot be accessed until the age of 62 and full benefits require the retiree to be 66 years of age.

ClassDojo is Rising to the Top in the EdTech Industry

ClassDojo is a communications platform aimed at teachers and parents. It’s main function is to be able to connect parents and teachers with a text messaging app specifically meant for the parent/teacher relationship. This enables teachers to be more productive and empowers them with the ability to ask parents questions in real time to better suit each child’s individual needs.

ClassDojo also serves as a private social media platform for children, parents and teachers. Each student is enabled to upload their own photos and videos to their own personal page to share with their parents. Utilizing these ideas, ClassDojo has built a real community in the classroom. ClassDojo provides a platform specific to a major part of every parent’s life, you can upload content to ClassDojo that may not be appropriate for everyone on social media: the content is private between you, your child, and his classroom.

The app also allows parents to chime into the classroom anytime they want. Parents are able to use live video streaming to contact their child and join in on the day’s class. Parents can positively participate in classroom activities and give their child a sense of unity.

ClassDojo was founded in the summer of 2011 and has quickly risen to be one of the EdTech industry’s leading companies. The software is already used by millions of teachers and students in the United States and many other countries. ClassDojo is made up of individuals who have had long careers in the educational field as well as designers and developers who previously worked at companies such as Facebook, Dropbox, and Amazon.

Schools that are not utilizing technology like ClassDojo are at a disadvantage. With so many schools already using ClassDojo and similar software, any school hasn’t implemented ClassDojo are doing themselves an injustice. ClassDojo could enable teachers and staff to save countless hours; ClassDojo eliminates the need for lengthy private meetings with parents and allows the parent to communicate with you during work hours. ClassDojo respects the privacy of teachers and comes equipped with a do not disturb feature called “Quite Hour.”

Find out more about ClassDojo: https://www.forbes.com/forbes/welcome/?toURL=https://www.forbes.com/sites/kathleenchaykowski/2017/05/22/how-classdojo-built-one-of-the-most-popular-classroom-apps-by-listening-to-teachers/&refURL=https://www.google.com/&referrer=https://www.google.com/

The Endeavors of Dr. Jennifer Walden

Jennifer Walden of Austin, Texas, is one of the most accomplished female doctors in cosmetic surgery. This amazing woman has definitely put in the hard work and put in copious amounts of time. Her success surely hasn’t come from cutting corners. Years and years of research and study has produced this extraordinary person that you see today. In 2014, Harper’s Bazaar listed her as One of The 24 Best Beauty Surgeons, and she is one of the very first doctors to use advanced-laser machines. Silicone-breast implants would probably still be obsolete if it weren’t for this woman’s research.

TexasMD, Vogue, Italian Vogue, Cosmopolitan, Self, Health, MD Monthly, Glam.com, The Dallas Morning News, Refinery, VIVE, New York Magazine, Austin MD Magazine, New York Sun Magazine and The Austin American Statesman Magazine have all presented her image. Dr. Walden has taught laser technique to other cosmetic surgeons. This includes HALO Hybrid Laser, fat graft surgery, facelifting and others. She’s a pioneer of the subject despite being rather young in age. Dr. Walden’s very own medical practice is located in the city of Austin, Texas, and she relocated here after the birth of her two boys. This facility is technologically advanced to the highest degree. It offers some of the most modern technologies such as DIVa noninvasive-vaginal rejuvenation as well as ThermiVa rejuvenation.

Thanks to the success of this brilliant medical practice, she has been able to expand the business with a second location. Under the powerful mentorship of acclaimed Dr. Sherrell Aston, Walden has thrived in this industry because she knows all the tools of the trade. She earned her fellowship from the astounding Manhattan Eye, Ear & Throat Hospital, and she has held the position as an attending surgeon here. The list can literally go on and on for days, but this short article should give you a better understanding of how great this woman truly is.

Instagram: https://www.instagram.com/drjenniferwalden

Mitt Romney’s Cancer Treatment and His Political Future

The political landscape is undergoing major changes, as the volatility of the Trump administration impacts members of congress and their interest in staying in office, or not. One of the major republicans to have recently announced that they are leaving the senate is Orrin Hatch, of Utah. With Hatch now leaving his seat, Mitt Romney is showing interest in running for the senate. As a former presidential candidate, Romney’s return to office would definitely have an impact on the future presidential field, which is why Romney’s health is also of interest.

A recent article in The Huffington Post addressed the issue of Romney’s current health status, as Romney reportedly has just had surgery for the removal of a tumor in his prostate gland. The procedure was performed at the UC Irvine Hospital in Southern California, and was deemed a success. Still, cancer surgery is a serious business, and the question is whether Romney’s health will have an impact on his ongoing political life.

A Good Prognosis

Dr. David Samadi, a surgeon with expertise in urology and robotic surgery who currently treats patients at the Lenox Hill Hospital in New York (where he is the Chair of Urology and Chief of Robotic Surgery) told The Huffington Post that right now Romney’s prognosis looks good. According to Samadi, men who have prostrate surgery that is localized frequently have a very good chance of regaining their health and continuing on without a recurrence of the cancer. Other politicians who have survived prostate cancer treatment successfully include John Kerry and Colin Powell.

According to Samadi, surgery is always recommended for prostate cancer patients in cases where the cancer has not spread. The survival rate for these patients is much higher than for those who have radiation first. Ramadi also recommends that men who are diagnosed with this cancer thoroughly check the background and success rate of the surgeon who they are considering for their procedure. They should also ask about the possible side effects that can come after surgery, and the impact on sexual function and urinary function. With the help of an experienced urologist to guide their treatment path, many patients recover successfully and avoid any other recurrence of the illness.

Facebook: https://www.facebook.com/DrDavidSamadi/

Todd Lubar Real Estate Investor

Investing in real estate is a proven way to generate income. Many people are interested in investing in real estate. Lubar is a prominent real estate investor who has many years of experience in the industry.

He learned a lot about real estate from Arthur Becker. Arthur Becker wrote numerous books on the topic. Arthur Becker also mentored young professionals during his real estate career.

Todd Lubar owns many properties across the nation. Although he is financially successful, he is continuously trying to grow his real estate empire.


One of the most significant obstacles for people who want to invest is financing. Getting approval for a loan is not easy. Few people have the cash needed to purchase a property. Learning how to get financing approval is critical for people who want to become investors.

Todd Lubar uses capital from private investors. Private loans are a standard way for real estate investors to get the cash needed to get started. Individual investors demand a higher rate of interest than banks. However, the approval process is smoother. Check out Ideamensch to see more.

Tenant Management

Todd Lubar likes to invest in properties that he holds for numerous years. He prefers to rent the properties to tenants. Rental properties are a proven strategy to generate stable income every month.

When renting property to other people, screening tenants is essential. Some people wrongly assume that finding tenants is easy. Real estate investors should look for tenants who have a track record of paying rent promptly. Some tenants damage property and pay rent late each month. For more details visit Ideamensch.

With the strong real estate market, Todd Lubar is excited about the future. He is currently looking at several real estate properties to purchase. He wants to be a real estate investor for the rest of his life.

Click here: https://www.instagram.com/todd_lubar/

Jeremy Goldstein, New York Lawyer, Recommendation on Employment Incentives.

For corporations to grow, they are factors which must be considered to create an enabling environment. New York-based lawyer argues that there are situations which can lead to employees and long-term employers might lose. Mr. Goldstein has worked in many companies such as Verizon, Goldman Sachs and Bank of America gives an insight on how to hands issues of Earnings Per Share(or EPS), as well as other forms of incentive programs available.


Jeremy Goldstein ignites the debate about these performance-based programs. He says that use of EPS program to pay employees is a good thing. For the company’s shareholders, that mode of payment is a more critical influencer in the stock price. This factor is the one which drives the shareholders on whether to buy or sell shares but also it serves as an incentive for the corporations to increase the amount employees get in the end. Research has shown that using Earning per Share program thrives the company to realize its goals. For instance, Earning per Share is a more reliable program to be used in business, but due to its dynamic nature of trade and shares, it can provide gear in Earning Per share to an unfair advantage. Learn more: https://thebrotalk.com/bro-recommendations/jeremy-goldstein-gives-us-nyc-recommendations/


Critics of Earning per Share have asserted that the use of this program usually lead to favoritism in the company as anyone can be made to be the CEO. They also argue that this method allows the company’s CEOs to skew the results on whether metrics have been met. This means that those heading the corporates could be altering the results in their favor which is something illegal at worst and misleading at best.


Jeremy Goldstein recommends that a new compromise in Earning Per Share program between the proponents and opponents should be introduced. The new way of handling CEOs and other executives into being accountable for their actions need to be introduced instead of getting rid of pay per performance program. This will, in turn, create a platform for companies to grow as well as its shares.


Jeremy L. Goldstein is an advocate at Jeremy L. Goldstein & Associates LLC a law firm which deals with matters of corporate, executive and compensation. Prior this, he was a lawyer at the Wachtell, Liptop, Rozen & Katz law firm.


Mr. Goldstein went to New York University School of Law where he got Juris Doctor degree. Over a decade he has been involved in the corporate transactions which include Duke Energy, Haas Company, Verizon Company, The Dow Chemical Company and Goodrich by United Technologies.

Philanthropist and Futurist Jason Hope

There are several millionaires out there with a futuristic vision and a love for new technologies. They have invested heavily in tech, and they are now reaping the rewards as we become an increasingly connected and technophilic world. While some of these investors are investing in their own futures, there are others that are investing in the futures of mankind. People like Jason Hope are taking their ability to tell what is going to win in the future and turn it around to help those that really need it. Jason Hope is a true philanthropist. Jason Hope Pledges $500,000

In 2010, Hope started his road to philanthropy when he donated a half-million dollars to the SENS Foundation. This foundation is focused on finding ways to create longer and happier lives in millions of people all over the world. They use science and new technologies to research anti-aging remedies and cures for diseases that age the body and mind beyond repair. For this reason, Hope wanted to support and invest in the foundation. Entrepreneur Jason Hope Invests in Research Against Aging

Since 2010, Hope has donated over $1 million to the SENS Foundation. He especially likes that the foundation is taking a scientific approach to attacking aging. Rather than simply trying to find a way for people to live forever, they are actively attempting to attack diseases that are preventable. Their goals are much more attainable than several other companies that are attempting to find the proverbial fountain of youth through the use of potions and elixirs. SENS is actually using emerging technologies and innovative ideas to find ways to stop things like Alzheimer’s from ever affecting another person again. That is why Jason Hope, a futurist and lover of technology himself, is so willing to donate his money to this cause. Understanding the Internet-of-Things Revolution: A quick guide for thriving in the IoT era

Jason Hope has always been interested in new and emerging technologies. Ever since his graduation from Arizona State University, Hope has attempted to learn everything and anything about innovative technologies and trends in the industry. He started a mobile communications company at an early age and has been an avid investor in new startup companies. He has even started a grant program for new investors that have a good idea but not enough capital to get it off the ground. Jason Hope: The Entrepreneur from Arizona

SENS is not the only recipient of donations from Jason Hope. Several other foundations and organizations, such as the Boys & Girls Club, Family Health International, T Gen Foundation, the Arizona Science Center, and the Leukemia & Lymphoma Society have received generous donations from this philanthropist. As long as Jason Hope is a futurist, we can all agree that we have something to look forward to. Jason Hope’s Hard Line Stance on the Internet of Things

Felipe Montoro Jens, An Insight Into Public-Private Partnerships Concessions

Felipe Montoro Jens, a specialist in infrastructure projects within the country, provides valuable insights into the sub-concessions with PPPs. He stated that various northeaster districts are considering transferring of holdings to private schemes through the means of concessions. This step was taken in an attempt to prevent the restriction of federal transfers and limitations of fiscal accounts from coming in the way of the growth of the country.

An instance provided by Felipe Montoro Jens was of the Bahian Government’s VLT project that covers nearly 19 miles and 21 stops along this stretch. This project can help over 1.5 million people as it will replace the train station that is built in that area as of now.

Piauí and its government have over 24 projects that include PPPs, and the government recently discussed these projects with the Superintendent of PPI. According to Felipe Montoro Jens, when the state’s most significant concessions are partnered with a sanitation firm, this will positively impact the sewage network in the capital. The partnership will, in turn, increase the coverage in Teresina from a mere 24% to a whopping 80%. Piauí will also be launching a new PPP that will directly affect the quality of internet speed through the first internet connections in the district.

Similarly, the government of Maranhão might soon be building a PPP for the building of 4 inmate holding facilities that could result in space being made for thousands of inmates. In Pernambucana, if COMPESA the most significant sanitation company joins this program of the BNDES banking and social development, then Felipe Montoro Jens believes that this could encourage the involvement of private capital in the health and sanitation sector. If PPP is implemented then, Pernambucana might also be considered in increasing the effectiveness of both the manufacturing and distributing network in the city.

End Citizens United Endorses Conor Lamb in the 18th Congressional District of Pennsylvania

The special election scheduled in the 18th Congressional District of Pennsylvania reportedly upsetting the Republican camp. Though the Republicans have an edge in the election, the district that gave a landslide majority to Donald Trump is not a highly promising land for them considering the latest developments. The young and energetic face of Conor Lamb, the Democratic candidate in the district, is giving a welcoming feel for a large number of independent voters. As the Republican candidate, Rick Saccone has got the support of many Super PACs from GOP side, and he is not expected to face any scarcity of financial resources in the election.

On the other hand, Lamb has got the support of End Citizens United, the leading PAC in the country which is fighting against Big Money. While big money is giving special advantages to Saccone, Lamb declared that he would not accept any funds from PACs that are backed and funded by the corporates. Tiffany Muller, the renowned political activist and President of ECU, confirmed that Lamb is contesting for Congress to fight for the families of Pennsylvania who are neglected by Washington’s rigged system. The grassroots members of ECU are eagerly waiting to fight against the shady money groups who are trying to buy the race.

Interestingly, End Citizens United was the first major PAC that decided to endorse Conor Lamb in the election. The support of the PAC is expected to greatly enhance the chances of Lamb considering its millions of grassroots level volunteers with a national network and dedicated small-dollar contributors. While thanking the support of ECU, Lamb said that a large majority of people are aware of the fact that the system is not working, and the campaign finance system is one of the major reasons behind it. At the same time, the reports are confirming that the heavyweight supporters of Saccone are pumping money for his campaigns.

45Committee, a group backing conservatives, initiated an ad campaign costing $500,000 that plotted Lamb as someone who is opposing the Republican tax-cut bill. While coming to Lamb side, ECU did not disclose how much the PAC is planning to spend for the liberal candidate. Interestingly, the PAC spent $600,000 for taking Doug Jones to Senate from Alabama last year. However, Adam Bozzi, the spokesman of ECU, confirmed that the grassroots of the PAC are highly energized, and it does not expect a difference in 2018 compared to 2017.

End Citizens United was established as a rebellion against the Big Money in politics by liberal political activists and independent voters in 2015. The PAC wants to unrig the system by passing legislation to curb the uncontrolled money flow into the politics. For that purpose, it aims to elect maximum pro-reform champions to the Senate and Congress to make the legislation a reality.

To know more visit @ twitter.com/stopbigmoney?lang=en

Luiz Carlos Trabuco Cappi: Managing Bradesco Bank

Bradesco Bank, established in 1943, is one of the largest banks in Brazil. The financial institution was founded in the city of Marilla, but they had to move out and transfer to the city of Sao Paolo because of better opportunities found in the town. They have been enjoying the distinction of being the leading bank in the country for so many decades, but it halted after the merging of Banco Itau and Unibanco. Today, Bradesco Bank has more than 5,000 branches worldwide, offering different services that help entrepreneurs and private citizens alike.

Recently, Bradesco Bank named Luiz Carlos Trabuco Cappi as their chief executive officer, and the board of directors voted for the Marilla native because they believe that he can restore the company back to its state when it was still the leading financial institution in the country.

Read more: Bradesco to choose board member as new president, says Trabuco

Luiz Carlos Trabuco Cappi, being born in the city of Marilla, saw how Bradesco Bank managed to transform from a small bank to a competitive financial institution which has supported so many industries owned by Brazilians for decades. One of the reasons why they tremendously grew in such a short period is because they are emphasizing excellent customer service. They are doing everything that they can to satisfy what their customers wanted, and Bradesco Bank is very good in doing business with their customers and clients. Their services can be compared to some of the leading banks around the globe, and the world-class treatment that they provide to everyone who is using their services should also be highlighted. Bradesco Bank aimed to teach Brazilians on how to manage their finances, and as a result, Bradesco Bank became the first financial institution in the country which allowed children and teenagers to open their bank accounts. They knew that teaching the children how to save money at a very young age would help them manage their finances in the future. Bradesco Bank developed a customer-centric approach in their business, and the people of Brazil admired the company for doing something that would satisfy their needs. Bradesco Bank was voted as one of the most reliable institutions in the country, and they managed to transform the financial industry in Brazil. However, the merging of Banco Itau and Unibanco resulted to Bradesco Bank’s fallback, and from being in the first place, they went down to the third spot. Luiz Carlos Trabuco Cappi is tasked to bring back the company to its former state, and he said that he would do everything that he can to return Bradesco Bank to the top.

Luiz Carlos Trabuco Cappi grew up in the city of Marilla, and after witnessing how Bradesco Bank is treating its customers nicely, he dreamed of working for the company someday. He is a graduate of the Faculty of Philosophy, Sciences, and Letters and the Foundation School of Sociology and Politics, and he received a degree in Socio-Psychology after he graduated from the said university. When he turned 17 years old, he decided to try out his luck and applied for a job at Bradesco. He was hired, and he was given the task to become one of the bank’s clerks. Luiz Carlos Trabuco Cappi would be working for the company for the next 40 years, and he has been promoted several times until he was chosen to become the CEO.

One of the recent moves from Luiz Carlos Trabuco Cappi is the billion-dollar purchase of HSBC Brazil, and after the deal was signed, the stock prices of Bradesco Bank went up. It is a clear manifestation that his decision is affecting the company positively, and many are hoping that he succeeds in his mission.

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