With his over 30 years of experience as a financial advisor, David Giertz says that most retirees are used to saving money instead of spending every penny they make. This is indeed a positive thing since it helps them spend their money wisely and enjoy their life. A budget guides their spending, and as such, they have the means to enjoy during their retirement years. It is indeed true to say that planning for the future with much diligence is crucial for a full retirement.
The savings accounts may, however, pose as a challenge to most retirees. They often instill in the retirees the fear of spending their money. It is not uncommon to find a retiree declining to go for a holiday with friends or family, simply because he/she is afraid of spending. The senior citizens have been accustomed to putting their extra cash into the savings accounts, and this culture has left the individual with a negative attitude towards spending the accumulated funds.
To be able to enjoy their lives after retirement, David Giertz recommends that the retirees get the right discipline. Spending their money wisely in a way that will not bring any hardship to their personal lives will prove worthwhile. David Giertz says that there is a need for retirees to focus on those things that matter to them and also on relationships that make them feel fulfilled and motivated.
Mr. Giertz is a holder of BS which he earned from the Millikin University and an MBA from the University of Miami. He has been practicing professional financial advisor or the past three decades. His immense contribution as the president in the sales and distribution at Nationwide Financial has stood out.
For 10 years, David Giertz had been working as Citigroup as a financial advisor. He later became the vice president of sales. Today, Giertz is on the board of trustees at Millikin University.
Research carried out by the National Confederation of Industry (CNI) revealed that Brazil’s infrastructural sector could be boosted by the participation of private institutions. Felipe Montoro Jens, an Infrastructure specialist, explains that Brazil always represented a robust presence of the state in the 20th century. However, in the late 1980’s, privatization proved to be a major landmark and soon was part and parcel of the economic reforms. This privatization process was fueled by the external debt crisis.
As a result, several industries including aeronautical, steel and petrochemical were privatized. In 1995, the Concession law passed by the Brazilian government privatized other sectors of the economy as well including sanitation, electricity, telecommunications, and transportation.
In 2004, the Public Private Partnership Act (PPPs) was sanctioned making the telecom division the first to be managed by private representatives in Brazil. Furthermore National Telecommunications Agency (ANATEL), an independent body was founded to regulate the telecommunications sector.
Another partnership was made between the Brazilian government and the National Bank for Economic Social Development group (BNDES) to improve sanitation in the country. According to Felipe Montoro, the government performs approximately 90% of sanitation service while the private sector executes 70%. For this reason, Montoro believes that the two groups can complement each other enhancing sanitation delivery in the state. Furthermore, Felipe also is of the opinion that private establishments have the best equipment and relevant technologies to offer better water management services when compared to the government.
About Felipe Montero Jens
Felipe Montoro Jens is an astute Brazilian infrastructure expert. Presently, he works as the Director of Braskem Adr Repr. In the past, Mr. Montoro served at Terna S.P.A and Enron where he collaborated in the project development and structured finance sectors. Price water house Coopers also consulted Felipe services because he is one of the best in the industry resulting from many years of experience.
Felipe Montoro Jens remarkable skills are backed with a strong educational background. Felipe obtained his business administration degree from the Fundao Getlio Vargas School after which he enrolled for his masters in International Management at Thunderbird.
Enjoying retirement involves balancing between saving money and spending money wisely. To create a good retirement plan, you will need to create a budget, save money and make the necessary insurance arrangements. You will also need to include the expenditure of the savings on your personal daily needs and a little fun in your retirement strategy. For many people, using their retirement savings and investments is usually challenging, and most retirees end up feeling guilty when they spend the money on fun and other daily needs.
Discipline is of utmost importance when it comes to having a great retirement. Whatever you choose to do during your retirement that will make you happy and satisfied for instance, traveling the world, will need you to be disciplined to make it happen.
Ensure you have cash reserves in liquid money instead of putting all your money in investments especially the stock market. Having available cash reserves will reduce stress and the worry of losing your money. Retirements are a way of doing and enjoying the things you are passionate about that you were unable to do because you were living a disciplined life.
Develop a retirement plan and a budget that will include the amount of money you want to leave for your heirs and money to do things that you had put aside previously when you were busy working.
David Luther Giertz Work Background Information
David Luther Giertz is the financial advisor of Nationwide Investment Services Corporation based in Dublin, Ohio. David Giertz has passed four exams, and he is also a broker. Mr. David Giertz is registered broker with FINRA and works with sales of securities like bonds, stock, and other investment products.
David L Giertz also serves as a President, Vice President and director of other Nationwide Companies. He is the former president of Nationwide Financial Sales and Distribution Center, and he did a good job at directing the company to achieve financial gains successfully.
He has over 30 years of practice in coaching people on how to plan for retirement. Mr. David has helped a lot of people rip the benefits of retirement.
Roberto Santiago is an exceptional businessman in Brazil. He has a reputation as an entrepreneur who has thrived and succeeded in Brazil’s mall industry. Roberto Santiago is the owner of the Roberto Santiago Manaira Shopping Mall. He was born in Brazil in July of 1958. He received his education at the Pio X-Marist College and eventually continued his studies at the University Canter of Joao Pessoa. This is where he earned his Business Administration degree. Read more articles on exame.abril.com
Roberto Santiago considers the foundation of his career the cartonnage company he started. His Manaira shopping mall provides numerous services to Joao Pessoa’s citizens as well as attracting people from all over Brazil. The Manaira Shopping Mall has a well established reputation for providing outstanding services and products. Roberto Santiago originally began his career in a Café located in beautiful Santa Rosa. His career continued to grow when he launched a company with an involvement in the manufacturing of assorted decorative and utilitarian products. Roberto Santiago has maintained an extremely successful career in business ever since.
Roberto Santiago has been the recipient of numerous trophies in both motocross and kart championships. This is due to his love and passion for sports. The Roberto Santiago Manaira Shopping Mall has been classified as the biggest mall anywhere in the locality. The mall has a commitment to strengthen and enhance its relationship with every customer who sets foot inside the mall. The main goal of the Roberto Santiago Manaira Shopping Mall is to be able to provide customers and clients with a combination of comfort, fun and leisure.
The Manaira Shopping Mall includes a cinema with the best in modern technology and state of the art performance. The cinema was built with a stadium concept and includes 3D rooms designed to greatly enhance the experience of any thrill seeker. A gourmet space has been included for individuals looking for a few tranquil moments. The Manaira Shopping Mall additionally boasts one of the biggest Brazilian concert halls with the capacity to hold 10,000 individuals who are standing or 4,000 people who are seated. Read more on Mundo Do Marketing
Roberto Santiago has become one the most highly successful entrepreneurs based in Brazil and has earned his reputation for excellent. He has made a commitment to make Brazil a better experience for shopping by making certain anything a customer could possibly want or desire is available at the Roberto Santiago Manaira Shopping Mall. His success is a combination of a fierce passion, a lot of hard work and a never ending commitment. He shares his advice with new entrepreneurs all across the globe and tells them to go out into the world and begin by actualizing their business ideas. Roberto Santiago is an actual representation of a success story.
George Soros stands before us as one of the most prolific philanthropists and investors that the world has ever seen. His story of rising up from Nazi-occupied Hungary to these great heights is as fascinating as it is deep. Yet, for all of this amazing detail he has still become one of the leading ‘boogeymen’ of the right wing. So is he the night terror that the conservative right believes in? Or the angel of progressive values and social justice that he has been working toward all of his life? Well, his story shows the answer to that with ease — and the right won’t like it.
George Soros has become a left wing darling over the past several decades for his unyielding focus and support of social progress and democracy around the globe. Soros started the Soros Hedge Fund in the early ’70s in order to become the prolific investor that he is today. Now pushing 86 years old, Soros has spent much of his life and his fortune focusing on creating democratic ideals in every nook and cranny of the planet. For all of his good work, he still has become the target of an organized smear campaign by right wing politicians. Joe Uscinski, a pol-science professor at the University of Miami says, “What makes the Soros thing interesting is that most of the conspiracy theories about rich people tend to be made by people on the left about people on the right.” Read this story at Politico about George Soros.
His career is fascinating and walking through it step by step would take countless books and more hours than most people would really want to spend. We can give you the highlights, however. George Soros is worth a cool $25 billion and his rise as a political force has been a thing to marvel in America. Soros broke onto the political scene in the early 2004 election campaign when he worked hard in order to try and stop President George W. Bush from re-election. Of course, his backing of Al Gore should have been a success but issues with the election ended up turning the tide toward the conservative movement. Since then Soros has been nestled neatly into the left wing of the political spectrum: arguing for health care and education while trying to keep America out of wars. Of course, these stances aren’t popular with conservatives and his gigantic wealth has made it easy to demonize the noble work of an honorable man. Know more on cnbc.com about George Soros.
Perhaps most interesting in the American political climate is George Soros’ comparison to the Koch Brothers. The Koch Brothers are billionaires who use their money to astroturf political campaigns for the right wing, including such groups as the Tea Party. While the Koch’s spend millions to fight progress and democracy, Soros counteracts them at every turn. Perhaps George Soros is a boogeyman, but only because he is fighting for what is right.
Samuel Strauch was asked if he had a business idea that he is willing to give away to the readers of Ideamensch. A business idea that Strauch was willing to share with Ideamensch was to create or enter the specialized service market for retirees. Samuel Strauch says that there is now a large generation of baby boomers who are now retired or close to retiring. The sheer amount of people needing retirement related services creates a very big market with lots of opportunities for people looking to serve these people. Strauch also believes that serving these retirees can help society.
Ideamensch then asked what was the best $100 Samuel Strauch had recently spent on. His answer was the best $100 he spent was on eating out with his family and friends. Mr. Strauch says that the best things in life are experienced. They are not material objects or possessions that you purchase with money. Things like spending time with your family and friends are priceless according to Strauch.
Follow on Instagram.
Samuel Strauch was also asked on what web services or software he uses in his business. A follow up was also asked. This was what he loves about the web services or software. Strauch responded by saying that his company uses custom tailored software and cloud based programs. He also like to use programs such as Pivotal Tracker, GoToMeeting and Dropbox to stay organized and on top of tasks. What Strauch loves about these programs and the cloud bases software is that he can literally work from anywhere. This gives him great flexibility and the ability to work outside his home or office.
The final question of the interview was what is one book that Samuel Strauch has read and he suggests the Ideamensch community check out as well. Strauch suggests that people check out the book titled 100 Years of Solitude written by Gabriel Garcia Marquez. He recommends it because the book helps to foster creativity and expand a person’s imagination.
Learn more about Samuel Strauch: https://vimeo.com/user12031018
On the 2nd of November 2016, James Dondero, the co-founder of Highland Capital Management got an appointment to the board of Southern Methodist University Cox School of Business. Highland Capital had earlier committed to empowering students through the institution. The Towers Scholars program spearheaded by Highland Capital stands to benefit more with his appointment. The program aims at encouraging academic and professional pursuits in public policy. Additionally, the support towards the George W. Bush Presidential Library Museum is expected to improve.
According to James Dondero, the business school is a major contributor of the corporate workforce in Dallas. Highland Capital benefits from the business community delivered by the institution. It was such an honor to be appointed and take part in the growth initiatives in the university. The Board meets thrice annually and consists of 100 non-academic members tasked with developing strategies to improve the school.
Highland Capital Management manages assets priced at over $ 16 billion. The enterprise began in 1993 and got pioneered by James Dondero and Mark Okada. The company deals in the development of credit strategies, alternative investments, long and short term equities, and collateralized loan obligations. The institution serves a diversified client base including foundations, governments, and individuals of high net worth. Highland Capital Management operates from its main offices in Dallas, Texas with several other offices across the globe.
James Dondero is a United States-based businessman. Over the years, Mr. Dondero acquired experience in the credit and equity markets. Today, he serves as the chairman at several institutions. Dondero chairs the board at Cornerstone Healthcare, NexBank, and CSS Medical. Additionally, he serves on the board as a member in American Banknote and MGM Studios.
Besides being a successful entrepreneur, Dondero associates himself with several philanthropic activities. He donates his time and money to initiatives supporting education, veteran affairs, and public policy. Dondero has a degree from the University of Virginia and dual majors in finance and accounting from McIntyre School of Commerce. Among his achievements, the most memorable are the building of GIC subsidiary Protective Life, from its birth to a net worth of over $ 2 billion.
Jeffry Schneider is the founder and the current CEO of Ascendant Capital LLC, a boutique based in Austin. The firm works with a network of investment advisors, family offices and private banks to raise funds for emerging and existing sponsors in alternative asset funding. Ascendant Capital employs an innovative approach focusing on sales, marketing, education and financial restructuring. The company offers its services to public and private clients across the world.
Given the current market trends, Jeffry Schneider views alternative investment as a smart way of minimizing volatility and diversifying investment. His vast expertise in the alternative capital market has led to Ascendant Capital being the leading alternative investment boutique firm in Texas. Schneider’s strong interpersonal skill of developing and maintaining strong ties with his clients has also propelled the growth of his venture.
Jeffry Schneider has been pivotal to the growth and expansion of Ascendant Capital; under his leadership, the firm has expanded its employees’ base from just two to over thirty employees. In the last five years, Schneider and his team have raised over a billion dollars on behalf of several managers using this capital to purchase real estate, tech companies, auto dealerships and much more. Even with such an impressive track record, Schneider and his team aren’t planning on ceasing but are focused on the future. The company is aiming to attain a goal of raising $50 million on a monthly basis this year.
Jeffry attributes Ascendant Capital’s growth to the company’s culture. The firm has a supportive environment which is brought about by open dialogue and a sense of trust among its team members. The company’s idea of transparency which is championed by its founder Jeffry Schneider is extended to all its stakeholders. Ascendant Capital understands its responsibilities to its investors and has made their interests its top priority.
Before joining Ascendant Capital, Jeffry Schneider served in senior management positions for both Axiom Capital Management and Paradigm Global Advisors. He has also worked in renown financial firms like Alex Brown, Smith Barney, and Merrill Lynch. In his time at these companies, Schneider mastered the art of investment and acquired an in-depth knowledge of the alternative market. Schneider holds a bachelor’s degree from the University of Massachusetts, Amherst.
Todd Lubar graduated from Syracuse University with a degree in speech communication. Soon after he graduated, he took upon a job with Crestar Mortgage Corporation from 1995 to 1999. He then moved on to join Legacy Financial Group, which is based in Arlington Texas. Lubar helped to grow the Maryland office to a production unit of several 100 million dollars a year in loan volume. Mr. Lubar opened up Legendary Properties in 2002 and his establishment in the real estate community continued to grow rapidly. This helped him develop relationships with various people in building trades who needed to produce quality products in a timely fashion. He was able to establish lines of credit that were as high as $20 million dollars, because of his close relationships with major banking institutions.
Todd Lubar left Legacy Financial Group in 2006 to begin his job as Senior Vice President with Charter Funding. Charter Funding became one of the largest privately held mortgage companies in the United States. Lubar has an impressive resume and has experience in several different industries. He has owned several companies in the night club, recycling and real estate industries. However, his main focus is now on his position as President of TDL Global Ventures, which was developed in 2013.
Todd currently resides in Bethesda, Maryland with his two children. In his spare time he loves to travel the world and spend time with his family. Although he has numerous successes, Lubar sets out to improve himself every single day and to become a better person than he was the day before.