Retirement Advice From David Giertz

People feel relaxed that social security will take care of them post their retirement. David Giertz is the President at Nationwide Financial Distributors. He is now telling American people that things have changed. There is not enough money any more. Hence they need to plan more and save more.

As far as social security is concerned, people need to be aware of a lot of things. Typically people think that just because they have reached the age of 62, they are eligible to take Social Security at Hence they simply go ahead and do so. But what this leads to is getting the least benefits.

David Giertz says that people need to wait longer. In fact, the more they wait, the higher will be the benefits that will accrue to them. This is where the financial advisors need to play a vital role. They have to explain to them how much they would get as per their age. The calculation should be done accordingly.

David Giertz also explains that Social Security has been devised as a way to assist retirees. They should not look towards it as something that will fund them completely. This is why they must have a retirement plan in place.

Higher Social Security benefits will come when a person starts availing it later. This means that they must opt for full retirement age mentioned on This will be between the age of 65 and 67. In fact, they must wait still longer. This will help them in getting a still bigger monthly check from Social Security.

Taxation is another field here that is full of misconceptions, as per David Giertz on He says that people are simply not aware that Social Security is taxable. Hence they find this a rude shock. All these things must be clarified at the earliest.

Economic Consequences of European nations leaving the EU report by Flavio Maluf

The stock markets fell by 12% with the announcement that the United Kingdom was leaving the European Union (EU). Other consequences included the devaluation of British currency, the sterling pound which reached its lowest level since 1985. According to Flavio Maluf, the long-term consequences to the global economy cannot be underestimated and will be felt.


Consequences to the British economy


The United Kingdom spent 11.3 billion Euros and 6.9 billion euros it received from EU for the 2014 data. This consequently increased inflationary pressure on the British economy. Flavio Maluf however argues and quotes FN capital director ‘Figueiredo’ that the British economy will have the considerable drop of investments received from investors. The end of free movement of people and country between member countries will have the negative impact on the British economy.


Trade in the United Kingdom and Europe.


In international trade there are tariffs and other quotas imposed on goods from other nations. With the exit of British from EU, it means it has to draft new customs union that won’t allow free trade from any country including those from EU. This will likely harm foreign trade. Flavio Maluf remarks and quotes Otto Nogami that the British exit may also bring some advantages to the United Kingdom. The country will have to move ahead and sign bilateral agreements with individual countries which were not viable before.


Consequences on the Brazilian imports and exports


Brazil will benefit because it now can enter bilateral agreements directly with the British which previously was negotiated under the EU standards umbrella. However, the benefits are very limited as Brazil is a major trading partner to the United Kingdom the trade accounts for less than 2% annual exports.


Impact to the European Union


The United Kingdom was one of the major pillars of the European Union as part of established countries. The British exit from EU creates a major crack in the Union and countries like France has shown weaknesses in its economy leaving Germany to sustain the block in economic terms.


Flavio Malouf


Flavio Maluf is a Brazilian businessman born in 1961; he is a mechanical engineer by training and a successful entrepreneur. He is currently the president of Eucatex and grand food group. He’s also the older son of politician Paulo Maluf.




Eucatex was started in November 1951 and its headquartered in Sao Paulo Brazil as the first company of Brazilian origin to think about acoustic comfort and environment. It started the use of eucalyptus as a raw material to produce ceiling tiles and panels. Eucatex was born from Americana sawmill established in 1923 in Sao Paulo Brazil. It has done considerable business and started exporting ceiling tiles and panels to Europe in 1965.



Lime Crime Is All About Freedom Of Expression

Lime Crime is a cosmetic company that has built a strong reputation based on being true to yourself. In other words, the product line is a tool to claim your own creativity. The founder of the makeup company is Doe Deere. Certainly, this is her personal philosophy too. Her personal philosophy has attracted millions of fans to the makeup line since they exploded on the scene close to a decade ago. The makeup colors are wild, dazzling, sensational, bold, and beautiful. One of the line’s hottest products are the Velvetine lipsticks.


Girls & Guys Love Velvetines

The Velvetine lipsticks are inspired by the touch, look, and feel of rose petals. Clearly, the lipsticks are very close to the texture and softness of a natural rose that is found in nature. The Velvetines line was inspired by the founder, Doe Deere. The colors in the lipstick line are whimsical with very magical names that inspire the imagination. For example, some of the most popular colors in the lipstick line are wicked, red rose, scandal, dream girl, elle, cindy, and teddy bear. All of the richly pigmented hues have a decidedly French Vanilla aroma that is very intoxicating. In addition, the lipstick is smudge proof and designed to last all day long.


Lime Crime Velvetines

The Velvetine are receiving rave reviews online and in the real world. Girls and Guys are surfing to the company’s website to get a look at the latest hues and colors in the line. Even the social media sites are hot with news concerning their latest colors like Scandal which is a gorgeous deep purple hue that will make your lips look so sexy. Here’s a tip shared by Velvetine lovers. Exfoliate lips before wearing your favorite hue. Next, apply your favorite lip balm. Let the lip balm sit on the lips for about fifteen minutes. Next, apply the lipstick with a lip-brush. Remove the lipstick at the end of the day with your favorite baby oil or another type of oil that removes makeup. For example, vitamin E oil or even Shea butter oil. They are very soothing and leave the lips very soft.


Avi Weisfogel Efforts to Fight Sleep Apnea

Avi Weisfogel is experienced in sleep disorders and sleep treatment. He managed to establish the Old Bridge Dental Care. Since then, he has performed exceptionally well and has managed to win many awards such as the designation of the best dentist.

Avi Weisfogel started his practice by being interested in learning more about sleep. This led to him exploring ways in which doctors can help their patients who are suffering from sleep disorders. He is also the founder of Healthy Heart Sleep, which is a firm that works with physicians all-around the world.

His extensive knowledge in sleep apnea has enabled him to utilize his knowledge in helping dentists in the identification of individuals who might be potential clients and assist them in getting the treatment that they need.

Sleep apnea can affect anybody. The risk factors of the condition are known to increase tremendously as individual increases in age and weight. Studies prove that most patients with sleep apnea are overweight. This is because of the fat that usually positions itself in the airway thus blocking and pressing the airway. Fat deposit that is common around the waist or the neck can prove to be problematic. Other risk factors include the presence of narrow airways, chronic nasal congestions or enlarged tonsils.

Recent research shows that persons with high blood pressure, diabetes and those with tonsils that are chronically enlarged can be victims of sleep apnea.

Avi’s has a deep interest in business and marketing that has made him join marketing clubs that are related to dentistry. This is the reason he left his general practice to launch a company that is totally dedicated to the treatment of sleep disorders. Avi was able to create a system that generated a stream of more than 3000 patients per year.

Avi has been educating people on this system for more than a year now. He has been able to join hands with Barry and together they have launched Dental Sleep Masters program. This program is aimed at reaching more physicians, dentists and patients. The program plays a significant role in the advancement of healthcare distribution. for more.

The Venezuelan Activist Known as Thor Halvorssen

Thor Halvorssen is a Venezuelan human rights activist and a film producer. He is of Norwegian (paternal) and Venezuelan (maternal) descent. His paternal grandfather, who was also the Norwegian’s king consul during World War II, helped redirect all of Norwegian’s merchant fleet to Venezuela after the Germans invaded his homeland. His mother descended from the very fist president of Venezuela, Cristobal Mendoza and also Simon Boliviar, a military leader who contributed to help Latin America win their independence from Spain. His career of advocating human rights began when he was a young adolescent in 1989, in London England, as he organized opposition against the South African apartheid. Thor at Facebook .

Halvorssen’s journey as full-time individual rights activist has definitely had it’s trials and tribulations. In 1993, his father was incarcerated in Venezuela for allegedly exposing government corruption while working as a drug czar. While in prison, his father was brutally beaten and tortured by prison guards. Later on in 2004, during a political protest against former Venezuelan president Hugo Chavez, his mother was shot by Venezuela’s government security apparatus. Even though he has dealt with this two family crisis, Halvorssen has never been the one to feel sorry for himself. If anything, these problems only seemed to motivate him to push himself even farther. In 2005, Halvorssen launched the New York-based Human Rights Foundation, a foundation dedicated to freeing political prisoners and promoting civil rights around the globe. Since launching this company, the Human Rights Foundation has successfully released seven prisoners of conscience, provided evidence to Truth Commissions and even publish two books on individual rights and responsibilities of the state. Due to the success of his foundation, Halvorssen has been called “the champion of underdogs and the powerless” by The New York Times. for more .

The Construcap: A Closer Look At Brazil’s Largest Construction Companies

The Construcap is one of the biggest construction companies in Brazil. Founded in 1944, the Construcap group of companies is involved in a wide variety of services and construction works in Brazil and the entire continent of South America at large. The company focuses on infrastructure, industrial and commercial buildings. In strict compliance with ISO 9001; ISO 14001 and OHSAS 18001, all Contrucap services are regulated by Integrated Management System – GIS. The extensive list of Construcap services includes the construction of industrial or commercial buildings, port and infrastructure, aviation, road and rail, and sports facilities.


Projects Handled By The Construcap Group


The Concer Road Concession Juiz de Fora – Rio


The New Rise of the Sierra de Petropolis, the growing stretch of duplication between Matias Barbosa Juiz de Fora as well as the demographic changes in the Baixada Fluminense led to the formation of the company in 1995 to cater for the growing demand for transport and logistics.


Minas Arena – Sports Facilities Management S / A


The company was formed in 2010 and solely financed and managed the construction of the Mineirao in Belo Horizonte sports complex.


BMC Construction and Assembly Off-Shore S / A


Due to the growing needs of the marine national on an international level and offshore sector, the company was formed in 2011 to provide IPCI type solutions to the increasing number of customers.


CFPS Engenharia e Projetos S / A


CFPS Engenharia SA provides integrated engineering services in Brazil. The company has a hand in pharmaceuticals, mining, and the energy sector. The company started as a joint venture between American Flour and Construcap in 2012 and grew to one of the biggest engineering companies in Brazil.


Inova Health


The latest addition to the Construcap Group was formed in 2014 to construct, equip, manage, sustain and oversee customer services in the three hospital facilities in São Paulo.


Careers at Construcap


The company always posts new job openings on its website. Visit the company’s official website to register on the company’s employment portal for notification of the most recent job openings.