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David Giertz Offers Insight Into How to Get the Most Out of Social Security

Social security is something that a lot of people rely on. That is why it is so surprising that so few people actually know how to maximize their social security benefits. The first mistake that people make, according to financial advisor David Giertz, is that they start taking social security at the age of sixty two. It is better to come up with a plan that will allow you to wait until you are sixty five before you take social security benefits. The reason for this is that you will get larger checks from social security. Even the few people who know this are often unaware of by how much they can actually grow their checks.

The fact is that you can grow your checks by up to twenty five percent each month. That means that if you are supposed to get one thousand dollars a month from social security, you can get one thousand and two hundred and fifty dollars by simply waiting a few years. It might not sound like a lot, but it is a few thousand dollars a year, and it can make a huge difference when you are not working. If you decide to wait even longer, then you can grow your checks by eight percent for each year that you wait after turning sixty six years old. This means that in four years, you can increase your benefits by thirty two percent. Again, that is a few hundred dollars a month, but it is a few thousand dollars a year. It can make a big difference, so make sure to think about it.

What if you already started taking social security and are just learning about how you can get more in your monthly checks by waiting a few years? If you are willing to give back the money you got and less than a year has passed since you started taking social security benefits, you can still salvage the situation by returning the money.

David Giertz is a Senior Vice President at Nationwide Financial. He has 30 years of experience as a financial advisor.

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O2Pur Better Price Better Flavor

O2Pur is an established company with a record of delivering the best and newest e-cigarettes flavors on the market to date. With the focus being set on traditional tobacco sales declining, this company has taken the opportunity and forged its way into the e-cigarettes market by providing its customers the highest quality at more than affordable prices especially compared to traditional and even competing brands.

Scott Barth is pioneering his way with this innovative company in Utah giving new customers a starter kit that will give the opportunity to try all the flavors and different levels of nicotine present. The technology in the O2Pur e-cigarette vaporizers heat a nicotine infused liquid which helps enhance the flavor in each molecule. This of course is the exact opposite of traditional cigarettes which only burn the tobacco thus negating any type of true flavor that there potentially could be.

Scott Barth has properly analyzed the massive tobacco market and thus started its drive for further success. Sales are increasing with haste as O2Pur is consistently putting new products in its stores while marketing the proper channels. Along with driving initiative towards a more enhanced and assorted stock of flavors Scott Barth delivers his customers convenience in each of his products. This is done by offering packaged deals such as the starter pack as well as tapping the market with more competitive e-cigarettes that will reach the more niche enthusiasts of this new market.

Convenience is at the center of this new market as it allows customers to only have to purchase the flavor refill that they want which is very attractive to investors because this type of business practice offers reoccurring sales and thus creates periodical demand from the market. This company has recognized that this is why the tobacco market has grown and continues to thrive and thus why Scott Barth is focusing on delivering quality with his products and making sure that his customers and investors are satisfied.

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Having a Plan of Action With Market America

One of the easiest ways to start earning with Market America is to have a plan of action. The plan can take on any form. The only thing is that it has to be organized. For people that have no experience with setting up an online business, there are a few ways to go about it. One thing that is needed is a website or a blog which allows ads. Another thing that is needed is a way to connect with people and bring them to the blog. This is just an example of a plan of action for working with Market America.

After an adequate amount of thought is put into the types of products that are going to be promoted, then all that is needed is for one to move forward with the plan. This includes finding out where one can reach out and market his products. As a matter of fact, a marketing plan is one of the most important aspects of marketing. This would include the nature of his business. He can set up a store featuring Market America products, or he can make occasional references with links to products that he is trying to sell.

Market America is a great opportunity for people to take part in. Anyone that is looking for a way to earn a lot of money can earn some extra money with their marketing skills. One of the best things about this opportunity is that people have a lot more control over what they are going to do. The only thing is that they have to be productive with the time that they have so that they will be able to maximize their earnings. For instance, social skills can go a long way for people that are trying to start their own business.

The Life of Jed McCaleb

Jed McCaleb was a very successful man in what he did and what he worked to have in his life.

When he noticed there was an issue with finical stability was when he became the founder of Stellar Development Foundation. When he did this he noticed there were just too many people who didn’t have the sources they needed. There was a time when he was interested in the technology that the world was creating and how the things he was making could help improve the world of which was in crisis. He created one of the largest file sharing technology that is still being used to this day and he was one of the first to use it. He was just looking for something that could help the world and he thought this was going to be the jack pot when he created it.

Stellar is looking to improve the people who participate. Stellar is something that is more efficient that any other system that is out there for other people to use and it creates open protocol payments for the people. One thing that is common to this is mining. There was so much money put into this that McCaleb wanted to find a solution to the issue that was going on with the money. He looks forward to making more progress in the step of being an investor. He’s looking to give stellar to anybody who needs it and that’s just the start of this. The average person wants money to get to where they need to go and that’s something that Stellar works on making happen. They are hoping to have a wallet that say’s something like this not that it’s just for them to make more money than the other people that are competing around them.

Jed worked hard to get where he is today and is doing things most couldn’t do.

Stansberry Research and Helpful Investor Paths

Warren Buffet has a company that’s known as Berkshire Hathaway. It’s been a big money collector for ages now. People in the United States appreciate companies that do well. Buffet has had the ability to transform his image. He’s made it into a tangible brand that people can easily and swiftly pinpoint. Although Buffett is an undeniable investment aficionado, his publicity skills are essentially peerless. People haven’t realized, though, that Berkshire Hathaway is missing out in the hands of questionable leadership. Buffett no longer concentrates on consumer-oriented companies. He now concentrates more on the banking world. He put about $20 billion into four separate financial institutions. These banks are Bank of America, the Bank of New York, U.S. Bancorp and Wells Fargo. It’s going to be difficult for these banks to thrive financially in the future. That’s due to the fact that they’re unable to expand and not maintain significant parts of their profits. Many people think that Buffett erred with the acquisition of a railroad that’s called the Burlington Northern Sante Fe, a United States-based freight railroad system. People sometimes think that it isn’t conducive for money to be brought back to its top sector.

Stansberry Research is located in Baltimore, Maryland. It’s a business that specializes in the publication of investment research pieces of all kinds. Its staff consists of analysts and editors who have been working in finance for many years. Some of them have been equity analysts, hedge fund supervisors, accountants and stockbrokers. There have even been Stansberry Research team members who have served as the vice presidents of mutual funds.

Porter Stansberry is the man who created Stansberry Research. Other people who are part of the firm’s leadership division are Dan Ferris, Dr. David Efrig, Bryan Beach, Laura Bente and Alan Gula. Dan Ferris is the person who edits Extreme Value. Alan Gula, at the other end of the spectrum, is the individual who edits Stansberry Alpha. Gula also is the analyst who represents Stansberry’s Investment Advisory.

Stansberry Research concentrates on all different types of specialties. It aids people with all kinds of full portfolio options.


Luiz Carlos Trabuco Cappi Stepping Down After 40 Years With Bradesco

Luiz Carlos Trabuco Cappi has confirmed many changes to the power structure of Bradesco. Luiz Carlos Trabuco Cappi revealed the new president is in fact Octavio de Lazari Junior, and the new Vice President will be Carlos Alberto Rodrigues Guilherme. Luiz Carlos Trabuco Cappi also detailed the retirement of Lazaro Brandao.

Bradesco one of Brazil’s largest banking and financing company was established in 1943, and since the inception Bradesco has gained tremendous influence in the world of finance. Bradesco’s sitting President Luiz Carlos Trabuco Cappi started out a bank clerk in 1969, in the company’s home town of Marilia. By the time it was 1984 Luiz Carlos Trabuco Cappi would be the Director of Marketing, where he was instrumental in change the public perception of Bradesco, by encouraging transparency and openness. In 1992 Luiz Carlos Trabuco Cappi would assume the Executive Director and President of the pension division of Bradesco until 1998. In 1999 to 2005 Luiz Carlos Trabuco Cappi was the Chief Executive of Bradesco.


Luiz Carlos Trabuco Cappi discussed the somewhat disapproval of some the council members at the appointment of Octavio de Lazari Junior. Luiz Carlos Trabuco Cappi assured the bank supports the Mr. Octavio de Lazari Junior and have full confidence in his ability to live up to the challenge. Luiz Carlos Trabuco Cappi did discuss various challenges facing the newly appointed president. Bradesco recently bought HSBC, ensuring the integration of the two institution will be a challenge. The adoption of the consumer base to migrate to a digital solution. Currently on 14 million of the 27 million customers have adopted a digital solution.

Octavio de Lazari Junior started worked his way to his intial promotion at Bradesco to an Agency Manager in 1978. Octavio de Lazari Junior became the Director of Credit in 1998, and shifted the focus of credit to small and medium size companies. Octavio de Lazari Junior was promoted as the Department of Loans and Financing. Octavio de Lazari Junior was appointed the Board of Directors 2012, and in 2017 became the Executive Officer Vice President and Chief Executive Office.

Lazaro Brandao will be retiring after a 75 year career with Bradesco, he has been a part of many the financial solutions implemented over the years. Lazaro Brandao has been on the council for 27 years. Lazaro Brandao explained the reason behind him increasing the age limit of the president to 67 years, was to allow more time during these transition to better address the acquisition of HSBC. Lazaro Brandao spoke about the current economic situations in Brazil. Lazaro Brandao feels the only solution is implement a comprehensive plan for labor reform, understanding labor reform is a very slow and painful process, it is necessary. Lazaro Brandao also spoke about the lack of political unity hurting the economic situation.

Luiz Carlos Trabuco Cappi also spoke about the new Vice President Carlos Alberto Rodrigues Guilherme to fill the vacancy left by him. Carlos Alberto Rodrigues Guilherme has been with Bradesco in various capacities since he was 13 years old.

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Motivation Provided by Vijay Eswaran

An author and a speaker, Vijay Eswaran has made a name for himself across the world. The Executive Chairman of the QI Group of Companies, Eswaran has managed to have success in a number of areas including financial services, education and hospitality. Eswaran’s company QI Group has several offices across the globe including places like Hong Kong, Malaysia and Singapore.

Vijay Eswaran was born in the late 1960’s. He is the son of a teacher and a minster. Eswaran earned a degree in socio-economics from the London School of Economics. His other educational credits include an MBA from Southern Illinois University and a a professional qualification from CIMA in the UK.

Eswaran has earned tons of success as both an author and a speaker. Some of the books he has written include In the Sphere of Silence, In the Thinking Zone, and 18 Stepping Stones. His first book Sphere of Silence was focused on his personal management philosophy. Eswaran has a unique strategy of starting each and every single day with an hour of silence. He is also a believer that fear is hurting many people, preventing them from accomplishing their goals. In his article 3 Ways Fear Drives Success, Eswaran three key points to remember when facing fear: Fear can be Excitement in Disguise, What Doesn’t Paralyze You Will Energizes You and Fear is a Great Motivator for Growth. Ultimately Eswaran is convinced life gets better as a person’s courage expands.

Over the years Vijay Eswaran has used his success to give back to others. Eswaran is responsible for the RYTHM Foundation. While working in Malaysia, Eswaran established

Vijayaratnam Foundation a charitable organization started in honor of his father. Eswarn works alongside his wife Umayal who works as the Chairperson of his foundation. He continues to have a tremendous impact on people through many differnt forums.

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Jeff Aronin and Paragon Biosciences Reach New Heights

Paragon Biosciences is a company that has made a tremendous impact in recent times. Paragon is an investor that has made its name by building and expanding biotechnology companies. They have a passion for helping people to live healthier lives ( Their incredible success is centered around their philosophy: begin with what the patient needs, understand the science and work to build companies that can help.

Paragon Biosciences is determined to solve those problems which have not been solved. They have a set of four companies that complete their work: Castle Creek, Decade, Harmony Biosciences and Precision BP. All four of these companies are disciplined and use specific strategies to complete their work. Perhaps the biggest member of this group is Castle Creek. Castle Creek is a privately held company that is creating and developing therapies for rare and serious conditions. In a short time, they have created a number of diverse products that have the ability to change the health of many people.

With more than two decades of experience, Jeff Aronin has been a huge part of Paragon’s success. Currently, Aronin serves as the chairman and chief executive officer of Paragon Biosciences. Aronin has years of experience developing global healthcare innovation companies. His expertise is in both complex science and rare diseases. These talents have allowed him to assemble a top-notch team and lead his current company. As of today, Aronin and his team have succeeded in getting 13 major drug approvals through the FDA. This rate is much higher than nearly all of his competitors.

Jeff Aronin spent nearly a decade as the president and chief executive officer of Ovation Pharmaceuticals Inc. He continued serving as president and chief executive officer when the company was acquired by Lundbeck. Aronin has built quite an impressive resume during his career. With such an incredible track record, he is sure to have continued success for many more years to come.



OSI Industries – A Giant In The Food Industry

OSI Industries Acquires Tyson Foods

OSI Industries is the new owner of Tyson Food Plant. They purchased Tyson Food Plant in Chicago for 7.4 million dollars. According to a representative from Tyson Food, they will no longer own Tyson Food Plant. 400 employees will lose their jobs by October 1, 2017. A number of employees who worked at Tyson Food Plant will be employed in OSI Industries. The square footage of the Tyson Food Plant is 200,000 square feet. The newly acquired company is located close to OSI’s Chicago facility. The purchase of Tyson Food Plant will help propel the growth and support of OSI Industries.

According to the Senior Executive Vice President, of North America, Kevin Scott, by purchasing the Tyson Food Plant, OSI Industries’ capabilities will be enhanced. The growth of the company will increase and will meet the needs of their customers. This announcement by the Senior Executive Vice President, Kevin Scott was made June 8, 2017.

OSI Industries is a company that is privately owned. They produce and sell many kinds of meat products such as bacon, sausage, which is used for breakfast. Other kinds of foods are sold at OSI Industries. They have over 60 facilities in 16 countries.

Baho Food Is Purchased By OSI Industries

On August 8th, OSI Industries disclosed that they purchased Bahoo Food. Bahoo Food is a Dutch Manufacturer. They produce foods such as snacks, deli meats, and other convenience foods. The amount of the purchase made by OSI Industries for Bahoo Food was not revealed.

The President of OSI Industries, David McDonald stated that the purchase of Bahoo Food has to be approved by the government. Bahoo Foods brand of foods is exactly what OSI Industries need to complement and strengthen the products they produce. This purchase will definitely be an asset to OSI Industries.

Baho Food has been in business for almost 60 years. They established five auxiliaries with processing units in the Netherlands and Germany. There are five businesses which include Q Smart Life, Gelderland Frischwaren, Bakx Foods, Henri van de Bilt and Vital Convenience. Baho Foods services extend into 18 European countries and provide services to their clients.

John Balvers, from OSI Industries, stated that the Managing Director at Bahoo Foods will become a member of the management team at OSI Industries. The Managing Director of Baho Foods will be an asset to OSI Industries. He will help to develop and carry out a method that will help the company to grow. This method of combining both companies will help to serve their customers better.

Flagship Europe Is Acquired By OSI Industries

Flagship Food Group Europe was purchased by OSI Industries. According to David McDonald, President of OSI Industries, Flagship Food Group will magnify OSI Industries presence in Europe. The products that Flagship Food Group supplies to the UK Foodservice market are pies, frozen chicken, mayonnaise, sauces, and dressings. The purchasing of the Flagship Food Group is an added benefit to OSI Industries. They will acquire more new clients on a global scale and will help to strengthen the companies’ presence in many parts of the world. This venture will increase the profit for OSI Industries. OSI Group buys former Tyson Foods plant in Chicago

Meet David McDonald the President of OSI Group

David McDonald is the Chief Operating Officer and president of OSI Group. This is a leading food processing company headquartered in Aurora, Illinois. The internationally established company has more than 65 facilities sweeping across 17 countries in Africa, Europe, America, Asia, and Australia. Osi Group has provided employment to more than 20,000 people across the globe.

Education Background and Career Life.

Mr. McDonald was born in Northeast Lowa, where he grew up as a farm boy. He went to Lowa State University from where he graduated in 1987 with a degree in Animal Science as well as the Wallace E. Barron Outstanding Senior Award.

McDonald joined OSI Group’s Chicago branch in 1991. His desire to advance the industries operations motivated him to work hard and diligently resulting in him climbing up the leadership ranks to executive positions. His exceptional leadership and commitment to the growth and improvement of the company’s services and employees, has earned him much respect in the company. He is part of OSI Group’s strategic team which helps the company keep on with market trends across the globe as well launch new facilities and expand the market.

Under his leadership, OSI Group has successfully launched 8 running factories in China at the same time becoming the largest poultry products producer in China. During the 2008 Olympics in Beijing, OSI China supplied different meat products during the whole period. As a matter of fact, there were totally no complaints concerning the services provided by the OSI.

David also holds other leadership positions outside OSI which include North America Meat Association where he serves as Boards of Directors’ chairman. He is also a Member of the Board of Directors of OSI Group and is also the director of OSI Australia. Previously, McDonald has served at Marfrig Global Foods’ director.

David McDonald’s Philanthropy.

McDonald has also been very supportive of his home state Lowa. In 2011, he organized students visit OSI China, under the Agricultural Entrepreneurship Initiative. He is also known for offering scholarships to Alpha Gamma Rho, his very own fraternity in Lowa state. In 2004, McDonald received the Young Alumni Award from the ISU Alumni association. He has been a tireless supporter of the university and the alumni association. More so, McDonald, he is very active at Wheaton’s St. Michael Parish.

McDonald is married to Malinda with whom they have six children. They live together in Warrenville, III.

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