A recent study conducted among people who have reached retirement age showed that more than a third of them are receiving a smaller amount than what they expected in social security benefits on about.me. Even more worrying is the fact that 86 percent of the total sample of the population questioned did not have any idea about the factors that determine the amount they receive as social security. David Giertz, one of the most respected financial advisors and the senior vice president of the Nationwide Financial Distributors, states that it is critical for advisors to speak to their clients about their social security benefits.

When asked why advisors were not talking to their customers about social security at https://soundcloud.com/davidgiertz, he stated that it is a very complex topic to tackle. One of the major issues that advisors have is that 2700 rules govern the way social security is administered and this might feel a little tedious for some customers.

However, he noted on moneytips.com that according to their research, 4 out of 5 of the clients interviewed said they would change their advisor if he were not talking to them about social security benefits.

Read more: These big mistakes will result in smaller Social Security checks

The other thing that David Giertz noted is that people start cashing in on their benefits too early which lead to losses of close to $300,000 over a period of 25 years, which translates to about $12,000 each year.

About David Giertz

David Giertz is the current Senior Vice President of the Nationwide Financial Distributors. He has been in the industry for 31 years and had a lot of experience in the field. David has been the senior vice president at this company for the past four years. Before the current appointment, he worked as a president, senior vice president and director to other nationwide companies. Giertz was also the Vice President-NF sales at Bank Channel between 2005 and 2009. He operates from Columbus Ohio.

George Soros is a Hungarian-born billionaire, investor and entrepreneur that become an American citizen in 1961. He is often mentioned in relation to his political activism, his childhood during WWII or his amazing stock market investments that netted him a record profit of $1 billion in a single day. What is not talked about nearly enough are his philanthropic endeavors that have benefitted people around the world for over 30 years.

Having given over $12 billion of his own money to aid charitable efforts that appealed to him, he is known as one of the most generous men in the world and is currently listed by Forbes as one of America’s 10 Most Generous Philanthropists. Soros’ creation, the Open Society Foundations was founded in 1993. The core philosophy used to guide the endeavors they fund is one that states that freedom is only possible when individual rights are maintained and that democracy is required for any society to thrive.

The Open Society Foundations funded by Soros provides grants to both organizations and individuals. The recipients of these grants help to prevent violations of human rights, to promote democracy and to provide educational opportunities to people in need. Soros intends to continue his giving until all citizens of every society have the ability to protect their rights and gain the knowledge that will allow them to improve their lives and the lives of their neighbors. He acknowledges that wealth provided him with the freedom to pursue whatever interests he had in life and he is happy to use that wealth to now help others to enjoy the same level of freedom.

Nearly half of George Soros’ net worth, money earned over a lifetime, has been invested into these grants. There is no sign of Soros ending his involvement in the work.
Read more: https://www.nytimes.com/topic/person/george-soros

According to the Miami Herald, this year is going to be a very good year to buy luxury real estate in Miami Beach. It’s a buyers market, according to ONE Sotheby’s International Reality, because of plenty of luxury homes that are on the market. This result of this will be the owners of these properties will need to reduce the price they are asking in order to sell the home.

The value of homes that sellers are expected to reduce their prices range from $1 million to $5 million. In 2016, Miami Beach had 36% more properties in this range than in 2012. Most homes for sale are under $1 million which will also cause the owners of luxury homes to reduce prices.

One of the real estate experts that buys and sells homes in Miami Beach is Samuel Strauch. Strauch has been the Principal of Metrick Real Estate since 2002. When he took over the agency it was a much smaller presence in the real estate market than what Samuel Strauch has built the company into. Metrick Real Estate still has real estate agents that assist people in buying and selling homes but it also now provides equity & development services as well as property management.

Samuel Strauch has also expanded Metrick Real Estate beyond Florida real estate and into the real estate markets in several Latin American countries. Samuel Strauch also helps foreigners looking to buy real estate in South Florida including the citizens of Mexico. The buyers are looking to increase the value of their portfolios and Samuel Strauch uses his knowledge of the real estate market to find homes that are good investments. Owning real estate in Florida also gives Mexican buyers peace of mind due to the economic insecurity that Mexico is facing.

Click here to learn more about Samuel Strauch.

According to the Miami Herald and Curbed Miami, 2017 is starting to look like the luxury residential real estate market will be a great time to buy. The reason for this is that there are a great many luxury homes on the market competing with each other. Sellers in the range of $1 million to $5 million are expected to reduce their home’s asking prices in order to appeal to buyers.

In 2016 there were 36% more single-family, luxury homes available for sale over the same period of time in 2012. Meanwhile, prices are about 3.5% lower now than in 2012 and expected to dip further. As most of Miami Beach is near the waterfront that segment of the luxury home market is expected to take the largest pricing reduction.

Follow Samuel Strauch on Instagram.

Samuel Strauch is the Principal of Metrik Real Estate. He has over 15 years experience buying and selling homes in Miami, including Miami Beach. Under his leadership, Metrik Real Estate has grown from a modest company into one that attracts international clients. Samuel Strauch has extended the reach of his real estate company into several Latin American countries where he buys and sells properties as well as attracts clients looking to buy homes in Miami.

Related: Mexicanos buscan invertir en bienes raíces en EU

Samuel Strauch has formed Metrik Real Estate into three key areas. The first is equity and development of residential real estate. The second is the company’s brokerage where they assist their customers looking to buy or sell their homes. The third branch of Metrik Real Estate that Samuel Strauch created is property management where they manage properties for the owners that are rental properties. Many people who want to rent out their homes don’t want to deal with finding renters and ongoing issues which is where Strauch steps in and manages all these details for them.

Follow Samuel Strauch on Twitter for the latest information on Miami Real Estate.

If you thought that the DeVos spend a lot of money of political lobbying, wait till you hear their donations to various charities and causes. In the year, 2015, alone, the strong Christian couple dished away $11.6 million dollars in support of different courses. The $5 million dollars donated to the Republic Party over the past election and campaigns period is pocket change to this individuals. In total, the family as a whole is said to have given away a total of $104M to philanthropy. In the last fifty years alone, the DeVos’ have made donations estimated by Forbes.com to stand in at $1.33B.

Donald Trump’s Appointee Grilled

Betsy got nominated to head the Education Sector, and this caused a huge outcry from the Democrats and the stakeholders in the public Education System, who thought of her as being pro-private and charter school learning. Eventually, after being taken through an excruciating thorough vetting process by the select Senate committees, she passed and is now comfortably settled into her new important role.

Check this related article from nypost.com

Betsy DeVos’ Ideas

As a matter of fact, some of her unique policies on the American Education System have already started being out into action. The Education Cabinet Secretary plans an ambitious overhaul of the learning process which she has repeatedly termed as being incapable of enabling students to go ahead and fulfill the American Dream. Kids need talented tutors who teach them the skills relevant now and in the inbound future.

Turning Point

On repeated interviews, Betsy DeVos always recalls one experience she and the husband had back when they were just recently married. That experience took place when they visited a Catholic school in their hometown Grand Rapids, Michigan and witnessed poverty first hand. That incidence involving moms and dads who were unable to bring any food to their children on the parents visiting day moved them to the core. From here on they swore to be pro school choice and philanthropists to noble causes.

Read more on Los Angeles Times about Betsy.

Lori Senecal is a New York based businesswoman, CEO and director. Her interests range from technology to photography. Senecal is also fascinated by politics, entrepreneurship, and business. Over the course of Lori’s career, she has developed strategic partnerships, established new business units, and accelerated worldwide agency growth. She has also headed many blue chip global corporations that comprise Coca-Cola, BMW, and Nestle. Presently, she is the Global CEO for CP+B’s international growth and expansion. Senecal coordinates the company’s nine global offices and concentrates on CP+B’s continued global development.

CP+B announced Lori’s appointment as global CEO in March 2015. Lori noted that it was a great honor to work with Chuck Porter alongside the entire CP+B’s executive team. Over the years, Lori has established a truly modern international agency that is collaborative and inventive. Senecal’s guidance and focus on talent has stimulated CP+B’s development and growth across diverse disciplines and locations (http://www.campaignlive.com/article/cp+b-opens-shop-beijing/1408916). Recently, Advertising Age recognized the corporation as the Creativity Innovators of the Year. Lori Senecal was announced as one of the four Agency Executives to Watch in 2016.

Previously, she worked for MDC Partner Network as the CEO and president. Senecal was responsible for collaborating with MDC’s partner agencies, reports salary.com, driving the company’s strategic vision, and deepening the corporation’s unique model.  Formerly, Lori was the global chairman and chief executive officer of kbs+. Through her transformative leadership skills, the company was able to grow from a 250 person nationwide agency to an international corporation having a workforce of over 900 employees. Notably, Crain named the institution as one of the Best Places to work in New York. For three successive years, Kbs+ was on the Standout Agencies list drafted by Advertising Age. Additionally, Lori Senecal served as the president of McCann Ericson’s main office in New York. Moreover, she worked for McCann Worldgroup as the global chief innovation officer. Lori helped to expand the company’s service offing and market share.

In 2014, Ad Week announced her as one of the Women to Watch. She was also recognized at the AWNY Game Changer Awards. Lori received a Quantum Leap award for her visionary leadership and innovation. Moreover, Lori is a member of the board of directors for the Ad Council. She has also served as a Jury Chair for the Isaac Awards that recognizes great inventions in the industry.

According to statistics, a quarter of the e-commerce fashion market belongs to Amazon. However, a strong rival for the company has emerged which is no other than Kate Hudson’s Fabletics. Just in a short period of three years, Fabletics has transformed into a multimillion dollar business. There are only two things which brought this success: activewear and reverse showroom technique. Customers’ favorite brands and membership combine to generate sales.


There was a time when high-value brands were known for their quality and price. Things have changed now, and the old strategy does not work anymore. Now brands require popularity, awesome service, gaming effects, friendly customer service, and unique designs to keep things going. Fabletics is doing all that which has made it as good as Warby Parker and Apple. Fabletics has more than a dozen stores all over the US, and a new one will open soon.


According to General Manager of Fabletics, modern and reimagined version of the high-value brand is what Fabletics is developing from day one. He further said that membership mode allows the company to offer tailored service and newest fashion trends at lower prices. Companies can make customers happy when they know customers’ choice.


The company made browsing a positive thing and worked on building relationships with its customers. Avoiding the use of pop-up store was to become more reliable for customers. Fabletics took its time to understand the local markets by attending events and activities. The results were great. Half of the people entering Fabletics’s stores were members, and a quarter more became members there. A clothing article goes into the shopping cart of the customer while she is trying it. Fabletics wants customers to enjoy the freedom to buy products from where ever they like. It is why the company made retail a separate service.


Another great thing about Fabletics is to show the correct information about products in both physical and digital forms. Customers like that company which provides them the right information. Digital information is helpful to decide which item should be placed at the store because trends and tastes keep changing. Fabletics collects this information from sales activity, social media, membership preferences, and store heat-mapping.


Customers have very good reviews about Fabletics. One of them is a blogger named Teri Hutcheon. According to her, the experience with Fabletics is awesome. When she joined the Fabletics, it began with taking a survey which was about the types of workouts she used to do. The survey also asked what type of outfits does she likes. Every month, a workout outfit is selected for the member. The selected outfit is according to the information provided in that survey. Tori said that the quality was much higher than she expected. There is a wide range of styles which include fun items. The value is solid considering what one gets for around fifty dollars. The website is easy to use, and the customer service is fairly good.

In the recent years, Ohio Housing Market was glad to announce growth in its sales since the year 2005. The sales rose by an estimate of 7.5% in the Statewide Home purchase while in North Ohio the sales rose by almost 8% based on previous listings.

Peter Kopf a realtor and Statewide Trade Groups President pointed out that indeed it was a wonderful year for Ohio Housing Market as they recorded gains in sales and prices as well. Even though North Ohio posted year over deadlines, December 2016 sales rose by 2.8 percent compared to 2015. Average sales for the market was at 4.85 compared to the previous sales.

However, the National Association of Realtors were concerned about the price growth and supply shortages in its Tuesday report. The report focused mainly on the average sales of existing homes in the market which ended at 7% compared to previous markets.

An existing home in U.S middle class was 232,200 dollars, 4% up from the previous year. The success of the housing market has been to solid job creation and low mortgages rates. The average rate for a 30-year fixed rate mortgage was at 4.09 percent while a 15 year fixed rate loan was 3.34 percent.

The recent U.S Presidential election caused a surge in the housing market though this has stabilized. Buyers are all eagerly waiting to buy newly listed homes though there are very few homes to satisfy the demand. Based on the numbers given in December, the nation has a 3.6 month supply of available houses.

Ohio Real Estate Agent Tammy Mazzocco attributes the success of Ohio Housing Market to setting goals and knowing what needs to be done each day, week and month. Tammy Mazzocco became a licensed realtor in 1995 and began her career as a secretary with The Edwards Realty Company. Tammy Mazzocco is keen to note that the success of the business also lies in owning the clients’ investments.

For more information, check outTammy Mazzocco’s agent profile on trulia.com and on radaris.com.

Other link: https://in.pinterest.com/mazzacco1/