David Giertz: President of Nationwide Life Insurance

David Giertz is the current President of Nationwide Life Insurance Company located in Columbus, Ohio. He became the president of this Company in April of 2013. Prior to becoming the President, he was the Senior Vice President over the Nationwide Financial Distribution and Sales at Nationwide Life Insurance. He is also very involved with other companies. He is even the President of some other major companies. Some of these companies being the following:

Beginning in Decatur, Illinois, Giertz received his bachelor’s degree in science. David obtained this degree from Millikin University. He then continued his education at Coral Gables, Florida. It was at the University of Miami where Giertz received his Executive MBA. Giertz is an extremely modest man due to his upbringing. He was raised with four siblings in a single parent household. His mother worked full time to support all of them. From his upbringing, he understood a great deal about diverse backgrounds and gives back because he knows that everybody does not have it as easy as some others.

  • Nationwide Financial Distributors Incorporated
  • FI Distributions Agency Incorporated
  • VP of Southeastern USA

In an interview with the Wall Street Journal, David discussed the importance of advisors speaking to their clients about social security. He also revealed survey statistics that his company has recently gathered. According to this survey, there are a great amount of advisors that do not discuss social security for retirement with their clients. On top of that, these same clients are saying that they would switch advisors if they knew they were being denied earlier access to this knowledge. He stressed how important it is to maximize your social security benefits to secure your retirement. Nationwide Life Insurance Company has also calculated that plenty of people, around 30 percent, are not receiving the full benefits that they should be. Through the helping hand of David Giertz, you can ensure that you are reaping all of your benefits for retirement.

Find out more about David Giertz: https://thebrotalk.com/investing/even-bros-retire-ohio-investment-advisor-david-giertz-ideas-get-prepared/

OneLogin Security Solutions

According to a report by Aberdeen, the Certified Information Systems Security Professional (CISSP) gets data from at least 16,000 manufacturers in Canada and the U.S. This data is meant to explore identity challenges faced by manufacturing organizations in the modern world. There are two major challenges they face in this digital era. This include addressing the compliance risks and ever-evolving security problems that come with expanding user access, and managing the permissions and roles of diverse users and a portfolio of applications. These are the most thought of challenges by IT managers, compliance officers, Chief Information Officers (CIOs) and Chief Information Security Officers (CISO).

As a result, three critical points with regards to IT and security are to be considered when developing access and identity management strategy. Firstly, it is now common for users to have access to company data, apps and networks throughout the extended enterprise. This has enabled vendors to work in different locations. However, that has come at a cost of structuring complex systems to suit these needs. As user access grows, it is becoming a challenge to maintain systems and permissions as accessed by third-party users. In the same vein, the reality of potential security threats is getting bigger, hence affecting the cost of maintain systems.

Secondly according to Onelogin, the only to cost effectively and securely connect to growing numbers and applications should be mission critical for any manufacturer. This is because expanding user access comes with increasing business agility. Nonetheless, if this process is done without proper preparation then there is a high likelihood of data breaches, lost user productivity and disruption of critical systems. The Verizon 2017 and 2016 data breach investigation reports showed that crimes involving compromised, stolen or weak user credentials had surged to between 80% and 90%.

Lastly, cyber-attacks are always costly for manufacturers. Considering there is a wealth of confidential information in the system, this information becomes the primary target for cyber attackers. Some of the sensitive data that should be well guarded include mergers and acquisition data, NPI documentation, partner agreements, financials and business plans. Others include schematics and blueprints. Derek Brink reported that manufacturers facing a single identity-related data challenge end up with a fiscal impact of roughly 500 million.

The New Tax Bill Law Might Make You Mad Too

A Disney Heiress has plenty to say about the new Tax Bill that might affect you in a very dramatic way. If the bill becomes the new tax law, millions might get as angry as this Disney Heiress. The name of the heiress is Abigail Disney. Certainly, the name is very familiar to people in this country that grew up loving Mickey Mouse and other assorted Disney Characters. Abigail Disney is the granddaughter of Walt Disney Company Co-founder, Roy O. Disney.

The Rich Get Richer
Every American that is not rich or worth several million dollars will be negatively affected by the new Tax Bill. Abigail Disney is not all that happy about that fact. She noted that the bill will entitle her to a big fact tax cut, while other Americans that are not rich will lose a lot of their benefits. For example, the new tax bill will cut off health insurance benefits to millions of Americans that are struggling to keep up with the changing economy.

Why New Tax Law Might Destroy The American Dream
The American Dream for millions of kids is to grow up and find a decent job. The ideal is to have an equal opportunity to achieve success and prosper through getting an education and working hard to rise up the ladder of success. However, the new tax law will destroy the middle class and poor families that are inspired by the American Dream of success. This is something that the Disney heiress believes in strongly.

The Disney Heiress, Abigail Disney, strongly believes that someone is going to pay big for the tax cut. Those that are going to pay are the middle class and poor in this country. She states that she is mad about the tax cut situation and she hopes that more Americans start to feel the same way too.

J.P. Morgan Views on the New Tax Law

The Trump Tax Bill has been signed, the good and bad of which may not be known for at least a couple of months.

The recent tax bill, signed on December, 22nd of this year, is not without its pros and cons. Two J.P. Morgan officials believe that the bill will bring both benefits and detriments to American tax law.

In fact, the two J.P. Morgan officials feel there are 10 major points or ramifications that will be seen as soon as next year as a result of the new Trump Tax Bill.
https://www.forbes.com/sites/robertlenzner/2017/12/24/consequences-of-new-tax-law-according-to-j-p-morgan-chase/#663db0c9753d

A brief summary of each of these points are given below:

Most Taxpayers will Benefit

Even though the initial sentiment has been negative towards the tax bill due to the fact that the middle-class benefits will be changed during 2025 and corporations will continue their 21% flat rate, everyone is still going to get a tax break for another 7 years which can’t be all that bad.

Tax Migration

The tax bill may continue to encourage U.S. citizens to move to places which have lower or no state taxes at all. This would not be good for individual states who rely on their residents to support the state’s government through taxes.

Tax Cuts Can Not Keep Up With Deficit

The budget deficit will continue to rise until at least 2021 and that is why the reversal of tax benefits will end for most taxpayers by 2025. The bill is a temporary relief to taxpayers that can not be sustained for any reasonable length of time without drastically increasing the federal deficit.

Encouraging U.S. Companies to Stay

By only taxing U.S. companies doing business within the U.S., the new tax bill encourages U.S. companies to stay put and not seek tax refuge in other places across the globe.

Corporate Tax Cut Increases Cash Flow for Businesses

Since the corporate tax rate is now a paltry 21% as compared with its former 35%, corporations are expected to improve their cash flows by a large margin resulting in increasing profits and shareholder wealth.

Improving International Competitiveness

Due to the large tax cuts for corporations listed above, U.S. corporations should be able to compete more effectively on the international scene and keep up with international companies that have lower labor expenses.

Higher Stock Market

According to J.P. Morgan, approximately 4% of this year’s stock market gain is attributed to the new tax bill. It is no wonder, as lower taxes should equal higher profits for U.S. companies and thus higher gains for the U.S. stock market in the future.

The Wealthy Will Also Benefit

The Trump Tax Bill allows for an estate tax exemption of up to $11 million per individual. Large estate owners will obviously be helped by this tax break.

Not All Companies Measured Equally

While the overall corporate tax was reduced, some business entities in the U.S. only received half the tax reductions. It seems that the major corporations with influence were the ones to benefit the most.

Interest Expense Exemption

While interest expense can be deducted under the new tax law, corporations are only allowed to deduct up to 30% of cash flow for interest expenses. This will hurt high-yield companies the most.

Popular App Talkspace Provides Mental Health Via Text

Walk by any bus stop or stand in line at your favorite coffee shop and it will strike you – everyone is looking down at their phones. To date, these phones have certainly helped us get better directions or look up what the most popular song was in 1992 (it was “End of the Road” by Boyz II Men). But the smart phone has, in many ways, not helped improve our quality of life.

Enter Talkspace.

professional. After signing up with Talkspace you are paired with a counselor or therapist who will use text messaging, email, even video chat to provide counseling nearly around the clock. Starting at around $25 a week, you can customize how much interaction you need and have confidence you’re working with a licensed professional.

The therapists are all licensed in the regions the clients come from, but they are allowed to expand their service footprint beyond just the city they work in. It provides another revenue stream for these professionals while still providing a service to the clients who may feel more comfortable talking by email or text, or who may have anxiety meeting in a therapist’s office.

Feedback about the service has been positive and a great example of putting the “smart” back in smartphone.

Pennsylvania law changes to allow residents access to new fireworks

Pennsylvania residents could only purchase Class C fireworks for many years. This prevented fireworks stores from selling many different types of fireworks used by people in other states for many years. The legislature quietly changed the law in August to use fireworks labeled as consumer. While fireworks store owners across the state celebrated this decision, fire chiefs were less excited about the change. The fire chief for the city of Lancaster cautions people to leave fireworks shows to professionals.

The law changes do not let people use fireworks designed for professional displays. These fireworks still require a special license. The law banning Pennsylvania residents from owning and using anything other than Class C fireworks. The law prevented many injuries related to fireworks, but every year, fireworks still made it into the state, especially during the Independence Day weekends. Some people also set off fireworks to celebrate New Year’s Eve. The changes to the state’s law allow citizens to set off their fireworks on any day at any time, according to Lancaster Online. Lancaster’s fire chief expressed disappointment in the legislature for changing the law to allow Pennsylvania residents access to different types of fireworks.

Although the new law allows consumers to legally use different types of fireworks, it is still best to exercise caution. The Lancaster Online article announcing the news also links to a story about a Pennsylvania woman who entered a coma because of a fireworks accident. The house bill that changed the law regarding fireworks usage also featured several other changes that did not make big headlines in the state. In the meantime, fireworks stores continue to do a brisk business across the Keystone state.

Nick Vertucci will teach you all about the real estate industry with his academy

Nick Vertucci is a good example of how the human spirit can overcome anything, no matter what how big or small a challenge can be. He overcame loss, homelessness, and debt to actually call himself a millionaire investing in real estate. It was with hard work and a will to succeed that propelled Nick into wealth. Here is his story. When he was a child, his family was happy, but was not rich. Tragedy struck when his father died when Nick was only 10 years old. From then on Nick and his siblings did not see their mother very often because she worked very long hours. Things did not get any better because at 18 Nick Vertucci was living in his vehicle for several years. Luck would have it that he started a business a few years later, but the success did not last long. At the height of the dot com crash, his business could not survive it and he lost everything, but his home. He went into so much debt and could not get out of it until one day something happened. Nick Vertucci went to a real estate seminar that his friend convinced him to go to. He fought the idea at first, but then changed his mind. He soon realized that it was the solution to all his financial problems and he took in all the information he could that weekend. He may of not understood all of it, but he was eager to learn. With persistence and hard work Mr. Vertucci rose to become a successful entrepreneur and real estate mogul. The Nick Vertucci Real Estate Academy offers everything you need to know about the real estate industry to get you off your feet and making the kind of money you’ve always dreamed of. His system is easy, to the point, and you may even enjoy yourself. Mr. Vertucci’s academy has workshops all over the country with upcoming ones held in San Diego and Los Angeles in the sunny state of California. He also has an upcoming workshop in Seattle, Washington. Mr. Nick Vertucci has lots of happy students who have succeeded in the real estate industry. If you become a student you will learn all about how to flip homes, rehabbing homes, how to buy houses for rental income, asset protection, commercial properties, using your IRA and 401K to fund these investments, and much more.

Trump Shortens a Man’s Sentence for Fraud

President Donald Trumnp recently commuted the sentence of Sholom Rubashkin, the fomer executive at an Iowan slaughter company.
This is not a pardon. A person can be charged and then the president can pardon him or her. A commuted sentence means Rubashkin had been sentenced to 22 years of bank fraud, Thanks to Trump, he will no have to serve the sentence and can be released from prison. He still does have some legal obligations. He will be on parole and will still have to payback his victims.
This legal journey started for Rubashkin, after agents for the US Immigration and Customs raided the kosher meatpacking plant called Agriprocessors that he worked for in May of 2008. They were there to arrest about 400 Mexican and Guatemalan immigrants who were working at the plant without legal papers.
Agroprocessors had to to declare bankruptcy soon after the raid, Legal officials found the circumstances to be highly suspicious so they send investigators. They found that Rasbashkin had committed fraud to make the plant more profitable then it actually was. He had used the fake information to get a loan and the bank went defunct when Agriprocessors had to declare bankruptcy.
A jury of hi peer found him guilty in 2009 and he was sentended to 27 years in prison. Trump’s commuting of his service means he will have been in prison for a total of 8 years.
So far, the only person that may have been pardoned by Trump is Sheriff Joe Arpaio of Arizona. He was going to be found in contempt court for not following what the court wanted. This pardoning also dealt with immigration as Arpaio seemed to be obsessed about who ere immigrants in his jurisdiction. The judges wanted him to focus on other types of crime then violation of immigration law.

Law Firms Increase Bonus Structure

The legal industry is an incredibly important one as it is responsible for ensuring that the rights of all individuals and corporations are properly represented. For those that are employed in the field, it can also be a very lucrative career if they are able to get a job with the top law firms. According to a recent news article (https://abovethelaw.com/2017/12/elite-california-firm-offers-market-busting-bonuses-to-associates/), and now appears that the compensation structure for lawyers could be increasing dramatically in the coming year.

For the bigger law firms, one of the bigger challenges that they have is trying to compete with other law firms in the industry to attract the top talent. When looking to get talent from the top lock schools across the country, one of the best things that they can do is try to offer them more compensation. In order to attract more talent, many of the top law firms are now offering higher bonus structures to their potential associates.

According to a recent study many of the law firms are now offering a bigger bonus than ever before. For a first-year associate, the regular starting bonus is as much as $15,000. By the time the associate is in their fifth year, the annual bonus could reach as high as $80,000. Furthermore, bonuses continue to increase each year and could reach well over $100,000 by the time the associate is in their eighth year.

Beyond providing the base bonus, all associates will also have the opportunity to work for higher bonuses as well. If they have a good year, which is often defined by the amount of hours that they are able to bill, they could end up increasing their total bonus by more than 20%. This could then lead to a total bonus structure in excess of $150,000 for more experienced associates. While not all firms have incorporated this new structure yet, it is likely to continue to grow in popularity as firms continue to try and compete for top talent.

Lawsuit Underway for Gymnastics Star

John Manly is a California State attorney specializing in litigation and civil actions. His main cases revolve around sexual harassment, electronic harassment, and childhood abuse. He’s won many cases involving sexual abuse and has acquired millions of dollars for his clients.

His recent case is about McKayla Maroney. She started her love of gymnastics at the young age of nine. She began training in at the local gym and enjoyed watching gymnastics on television. By the age of 12, she was competing in the United States Olympic Gymnastics. She’s won 10 gold medals in the vault division. Her talent made changed her life when she became part of the Fierce Five Gymnastics team for the 2012 Olympic London.

She was part of a well-established organization that she thought would be there for her when she needed them, but that wasn’t the case when the team doctor, Larry Nassar began assaulting her and several other teammates. Sports are generally a safe haven for many athletes. It’s all about them having fun, but when predators mark their territory, many people get hurt and the victims have to live with for the remainder of their lives. Attorneys like John Manly can help if anyone believes their child may be a victim of sexual abuse in a sport in the state of California. He will be there every step of the way to assure that the parents and child have the most professional counselors and guidance available to them.

Many children and athletes as well are scared to speak about what has happened to them. They may feel as though nobody will believe what they’re saying and that nobody understands. There is help out there and the predators need to be prosecuted John Manly is the attorney to make sure these predators are off the streets and behind bars.