Don’t Forget Social Security In Retirement Planning

Is your financial advisor talking to you about your Social Security benefits? David Giertz, the President of Nationwide Financial’s Sales and Distribution organization, was interviewed by Wall Street Journal recently, and he reported that many financial advisers don’t talk to their clients about Social Security at all. Nationwide conducted a survey of people who were retired or planning to retire in 10 years and found that many of them hadn’t even considered Social Security into their retirement plans on Spokeo. Additionally, four out of five respondents said they would leave their financial adviser if Social Security wasn’t considered in their retirement plan.

Why is Social Security Avoided?
Social Security is a very complex financial tool. The handbook alone lists 2700 rules regarding the use of Social Security and eligibility on The other reason is rules change for people based on their age and their work history. Everybody is different in how the rules are applied, and it seems the rules are constantly changed. But it’s important people understand and involved Social Security in their financial plans, in some cases Social Security can be 40% of a person’s retirement income, that amount shouldn’t be avoided by advisers.

David Giertz
David Giertz has over 30 years of experience in the financial services industry. He is the President of NFS, Inc., Nationwide Financial’s sales and distribution organization. He is in charge of forming the strategy and distribution of mutual funds, specialty markets, annuities, life insurance and retirement plans. He works with warehouses, regional firms, independent brokers, and banks.

David Giertz graduated from Millikin University with a degree in Business Administration and Management. He received his MBA from the University of Miami in 2003. He is also on the Millikin University’s Board of Trustees. He is currently based out of Columbus, Ohio.

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Arthur Becker Life

Arthur Becker has had a great career in many areas. One of the things that has really helped him get to the next level is his investing career. He truly believes in helping others with his investing advice. Not only that, but he is a strong proponent of helping people in a variety of ways with their money. Real estate is one of his passions, and he wants to see more people investing for the future. If you want to build wealth over time, start investing today with a great deal. Arthur Becker can teach you the things that you need to known in this area. View Becker’s full profile on

Arthur Becker

Over time, Arthur Becker has proven to know things about investing that can help people. The people who are great at investing are those who are ready to understand what is in place in the market. With real estate, the market has been on a positive run for many years. A lot of people today are excited about all of the opportunities that are taking place here. If you want to buy a real estate investment, you will need to make sure you have the financing in place to do so. An article on NY Times has revealed that a lot of people rush into a deal because they want to be a real estate investor and then later regret it.


When it comes to real estate financing, one of the most important things to do is keep the long term in mind. A lot of people today are excited about the changes that are taking place in this area. Not only do you want to invest for the future, but you also want to make sure you can afford the monthly payments that come along with the debt. By planning out this approach, you can have a lot of great success over the long term. At the end of the day, investing is the best way to build wealth over time. You can have a great investing career in real estate, but learning from people who have had success like Arthur Becker is essential to success in this area. Check out Mr. Becker’s Linked In bio for more information.

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Rick Shinto Embraces New Ideas To Further Build InnovaCare Health

Developing a company to become a reliable entity takes time and this could be many years before notable changes are recorded. Many of the successful companies available today are fueled by professionals who have been in the industry for many years and people who are willing to learn. In this purview, companies like InnovaCare have enjoyed the best of great leadership and can bear witness to the fact that offering high quality services returns great favors from the market. Understanding what the market needs and adjusting accordingly is one of the things that pushed InnovaCare Health to grow bigger and better.

Under the leadership of professionals like Rick Shinto and Penelope Kokkinides, InnovaCare Health has managed to grow its portfolio in less than five years. In 2012 when the two joined the company, there was not much progress to write home about as there is success today. Rick Shinto came up with useful ideas that are pumping the company to attain its success and it is through his presence at InnovaCare Health that there has been growth in the industry as a whole. He placed the company among industry leaders.

About Rick Shinto

Rick Shinto, the CEO of InnovaCare Health, is an individual whose presence at the managed healthcare provider came with great ideas that later led to growth. He moved from other successful companies like Aveta Inc., and also served at several government institutions before he build his career further at NAMM California. Basically, Rick Shinto has served at different companies in the over 20 years he has worked in healthcare. His experience also inspired him to write articles and journals addressing several topics in healthcare.

Penelope Kokkinides

Another professional who has helped InnovaCare Health to grow is Peneloe Kokkinides, who is currently serving as the chief administrative officer. She joined the company in 2012 and prior to this step she served as the Deputy CEO at Aveta Inc., at the same time when Rick Shinto led the company as CEO.

About InnovaCare Health

InnovaCare Health is one of the most successful companies across North America, particularly in the healthcare industry. It is known for its high quality services and the unique managed healthcare packages it offers to its various customers. InnovaCare Health has also been working with users of Medicare Advantage, who have grown in number since 2012 when new leaders like Rick Shinto joined to help in pushing for change. Visit their website at

What Fabletics Has To Offer

Fabletics is a great online subscription service. They offer an easy and convenient way to shop for athletic gear. Below are just some of the many different pieces they offer for women as well as a bit of information on how Fabletics works.


What They Have To Offer


Fabletics has a large variety of workout clothes to offer women. One of their most popular products is their leggings. The Fabletics leggings come in a large array of colors and styles. There are unique and interesting patterns as well as bold and expressive colors. Some of the most popular style of leggings include the Salar leggings as well as the Savina legging. The Salar leggings offer the most comfort and bend. They are 88% polyester and 12% elastic making them the perfect pants for working out in. They are smooth and offer a chafe resistant design. The hidden pocket is both cool and convenient. They come in a large array of colors including plain colors and a variety of fun patterns including floral and zebra. The Savina leggings also come in smooth stretchy material that is perfect for working out in. They are very unique because they offer an SPF of 50. They are only available in black but do come in many different sizes and inseams.


Another one of the most popular products that Fabletics has to offer is their tank tops. Not only do they come in a variety of different styles but they also come in a large variety of colors and designs. They are smooth as well as stretchy to offer the most convenience while working out. Fabletics also offers a large line of work out bras as well as long sleeve T-shirts.


How Fabletics Works


Fabletics is very simple to use. Top reviewers such as The Krazy Coupon Lady and a foodie stays fit have done great in-depth reviews on how Fabletics works. Users simply visit the website and fill out a very short questionnaire. This questionnaire will help to personalize each users outfit. Once you have completed the questionnaire and signed up for the VIP membership boxes will be sent directly to your door. This makes it easy as well as convenient. Reviewers such as The Krazy Coupon Lady raved about the very affordable cost and unique designs. With so many great products to choose from and so many great positive reviews it is easy to see why Fabletics is still a leader in the apparel industry.

Work With Traveling Vineyard

Traveling Vineyard is a work at home opportunity that you don’t want to miss out on. It allows you to be the boss of your own life and not have to change your non-work life to accommodate.

The business plan of Traveling Vineyard essentially allows you to make money by hosting wine tastings from the comfort of your own home, or wherever else you may choose to do it from. With an opportunity like this, you essentially get paid to have a party! You’ll make an income from the wine you sell at your wine tastings, so you learn how to become a good sales person. With the tasty wine Traveling Vineyard offers, you shouldn’t have to hard of a time making those sales.

Now you may be thinking that you don’t know how to market wine and you are afraid to get started. Traveling Vineyard has you covered, though. Once you’re all signed up and ready to get started, a leader in your region is appointed to you. They will set you up with all the training you need to get started, and be there for you throughout your career with the company should you have any questions.

That’s not all, either. Traveling Vineyard makes training fun. With both regional events and a once a year harvest celebration that you get training at, you’ll want to show up to learn more and become a better sales person. At the events, you get to meet and socialize with others in the business, taste some wine and have an overall good time.

Regardless of who you are or what you do with your life, this opportunity can work for you. You get to pick how much and when you work! Employees of Traveling Vineyard come from nearly every walk of life. Whether that be someone that already has a full-time job and wants to start making some income on the side or someone who want this to be their full-time job. You have no reason not to give it a try!

With an opportunity this good, and a helpful staff that will assist you along the way, this isn’t something you want to miss out on. Head over to their website or Facebook page and learn more!


The Rutgers Cancer Institute Marks Nearly Two Years As The Home of The Groundbreaking Omar Boraie Chair in Genomic Science

One of the things that cancer threatens to take from the people who have been diagnosed with it and their loved ones is hope. When a patient has a cancer prognosis that is particularly grim it can be difficult for the patient and their family to hold on to the hope of their loved one living a healthy life or to embrace the idea that the disease is beatable. While doctors have managed to eradicate a wide number of diseases that once regularly threatened the lives of many people without a foreseeable end in sight cancer continues to present a formidable challenge to oncologists. While the certainty of a long life is not necessarily guaranteed to anyone one East Coast cancer research center is working hard to ensure that cancer becomes one less factor that threatens people’s lives. In addition to this The NY Times wrote in an article that it is helping to pioneer advancements in a new field of medicine while doing so.

The Rutgers Cancer Institute of New Jersey is home to scientists who cross the divides between academia and clinical practice by applying the discoveries yielded by their research to their work as physicians. In a report by Yahoo, the Institute’s researchers have produced and continue to produce groundbreaking work in the new field of precision medicine. Through the marriage of genomic science and precision medicine the Rutgers Cancer Institute has made history by being among the vanguard of cancer research organizations in the United States that use genomic sequencing as a tool to better understand cancer. What makes the Institue stand out is its use of precision medicine to guide the way cancer patients are treated.

When the team at Rutgers Cancer Institute married genomic sequencing and precision medicine it enabled them to see opportunities for patients with cancers that can be particularly difficult to treat, that is patients with cancers that do not tend to occur often and cancers with outlooks where the likelihood of survival is not high. By operating at this particular intersection of science and medicine the researchers were able to better understand these challenging forms of cancer. In 2015 this important research got a boost from a New Jersey man named Omar Boraie. The website Newswise published a report noting that Boraie and his family decided to donate $1.5 million to the work of the Rutgers Cancer Institute. The money went toward creating an endowed chair known as the Omar Boraie Chair in Genomic Science. Dr. Shridar Ganesan, a leading oncology expert, was named to the position which will enable him to advance the innovative work that the Rutgers Cancer Institute is doing.

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Focus on Oncotarget Peer-Reviewed Open Access medical Journal

Oncotarget refers to a weekly free-access journal that is peer-reviewed and covers all research touching on oncology. This medical journal was launched in 2010.

Impact Journals usually publishes the journal. The chief editors are Andrei V. Gudkov from Roswell Park Cancer Institute and Mikhail Blagosklonny.

Making Scientific Results Rapid and Widely Available

Oncortarget offers scientific results and papers free in order to enable exceptional discoveries known by many and shared quickly. The journal makes it possible for every paper or issue to be printed on special demand.

The journal aims at eliminating the border that exists between specialties. It also aims at helping all researches contribute their share for science to progress.

Impact Factor

An impact factor (IF) refers to a measure that reflects the annual number of citations to the recent articles published in a journal. The impact factor is often used as a proxy to show the relevant importance of a certain journal in a particular field.

Journals with a higher impact factor are considered to be more important than those that have lower IF. The Journal Citation Reports show that Oncotarget has an impact factor of 5.008 (3.757 without the journal self cites) for 2015.

About the Study Showing that E-Cigarettes can Cause Damage to Gum Tissue

A study conducted by the University of Rochester Medical Center seems to suggest that e-cigarettes pose a danger to gum tissues just like conventional cigarettes.

Dove Press revealed that the study was published on Oncotarget and overseen by the professor of Environmental Medicine, Irfan Rahman, Ph.D., University of Rochester Medicine and Dentistry School. It is the first ever study to address the detrimental effect of e-cigarettes on oral health on molecular and cellular levels.

E-cigarettes are considered as the healthier alternative to conventional cigarettes and that explains their growing popularity. However, scientists all along believed that cigarette smoke was to blame for poor oral health but this study proves otherwise.

How do E-cigarettes affect Oral Health?

According to the study, the vapors emanating from the e-cigarette causes the mouth cells to release the inflammatory proteins which aggravates stress within the cells leading to their damage. The damage leads to a number of oral diseases.

The full extent of damage to the oral cavity and gums will be determined by how often and much a person smokes the e-cigarettes. The study further found that the different flavorings of e-cigarettes cause worse damage to the oral cavity and gums. E-cigarettes also contain nicotine which is a well known for its contribution to gum diseases.

EOS Lip Balm Flavors For Kids

EOS lip balm is a lovely product that children may use at any time, and it comes in a variety of flavors for the discerning user. Users who are searching for better flavors will find a few mentioned, and this article explains the joy of using each flavor. There is nothing finer than putting on EOS lip balm, and kids love it for the distinct odor. Go to for full product information.

#1: Strawberry Sorbet

The Strawberry Sorbet smells like the name of the balm, and it has a lovely pink package that will remind every child of a creamy dessert. Kids who are using the balm will find it fun because it reminds them of summer, and they will smell nothing but strawberries under their nose. This variety is available on Amazon.

#2: Vanilla Mint

Vanilla Mint is a combination of two very different flavors. The flavors are paired to ensure they have the opposite effect on the user. Kids who are using Vanilla Mint will have the softness of vanilla on their lips, and they will feel the tingle of mint. The two will make for a soothing effect, and kids will enjoy the smell because it is not too harsh.

#3: Blueberry

Blueberry is quite a lot of fun because it is the soft blueberry that kids find in candy and donuts. They may wave it under their noses, and they will enjoy it when they are placing it on their lips. The flavor and the odor together make for a pleasing experience for every kid, and the blue package is lovely to behold.

Children who are using EOS lip balms will find it lovely to have a lip balm that has a perfect package and a perfect flavor. They will use the balm to care for their lips, and it will be a cool thing to do at the same time.

Want EOS? Try them today, visit the evolutionofsmooth website. You can view the complete lip balm flavors on the EOS Facebook page.

Spotlight on OSI Group’s Recent 2016 Globe of Honor Award and Baho Food Acquisition

OSI Food Solutions UK bagged the celebrated Globe of Honor award in 2016. The award is usually awarded by the British Safety Council and OSI Group managed to scoop it due to their exemplary environmental risk management. Winners were announced during a luncheon held at Drapers’ Hall, London on November 25, 2016.

The OSI Group was among the 18 organizations that were awarded with this prestigious award due to their commendable and great environmental management practices.

About the Globe of Honor Award

An organization has to fulfill the conditions set by the council in order to be considered for it. The organization undergoes an audit scheme where it has to garner the maximum five stars to earn a consideration. In OSI Group’s case, an environmental management audit scheme had been carried out earlier by the British Safety Council (August 2015 – July 2016).

OSI Group also carried out a demonstration to showcase their merit before an autonomous panel of experts on their environmental management. This merit covered all aspects of the business all the way from the ground floor to the boardroom.

Reactions to the Award

British Safety Council chair, Lynda Armstrong OBE, expressed her praise to the OSI Group for winning the award on behalf of her council staff and trustees. Lynda talked about the stature that comes along with the award as it is a reflection of the great management followed by such an organization on the various environmental hazards present today.

She was happy with the high number of organizations that managed to win the award for adopting a great integrated approach in environmental protection. The award was received by Kelly Grimwood, the environmental manager Europe of OSI Group from the chief executive of British Safety Council, Mike Robinson. OSI Group has won the same award previously on two occasions in 2013 and 2015.

Acquisition of Baho Food

OSI Group made an announcement that it had acquired Baho Food, a Dutch company that manufactures convenience foods, deli meats and snacks. Baho Foods serves a number of retail segments as well as the food service in general. There were no specific figures released concerning the transaction. According to the president and CEO of OSI Group, David G. McDonald, this acquisition will help in broadening and making better its presence in Europe.

In addition, the processing strengths of OSI Group today will be complemented with this acquisition. This will enable OSI Group to meet the different and dynamic needs and expectations of its customers. The managing director of Baho Food, John Balvers, will be retained alongside his team.

For more information, find OSI Group on Facebook or LinkedIn.


Dynamic Search Partners with Keith Mann

Keith Mann is the founder and chief executive officer of Dynamics Executive Search. He has worked in the executive search industry for fifteen years and specializes in hedge fund compensation, hiring strategies, and staffing logistics. His business has evolved over the years from Dynamics Associates to Dynamics Search Partners, but it remains a top investment company today. He helps clients develop investment, marketing, and internal strategies for their teams and works with people on an individual basis to ensure optimal solutions. Dynamics Search Partners fills over 200 client mandates per year in America, Europe, and Asia. While this might not seem like a huge number, it is quite extraordinary when you consider the magnitude of the industry and the time devoted to each process. He strongly values quality over quantity and only redirects clients to other firms when their program is beyond his scope. National media outlets have featured Mann and his business as an example of successful entrepreneurship. He has appeared in interviews where he explains the direction of the company and how the industry has grown over the last few years.


Keith Mann uses entrepreneurship to uniquely propel his stakes. While other investment firms dive into executive industries, Mann appeals to the public first. By constantly watching the economy and making decisions based on rises and falls, he is able to keep up with the latest fluctuations. This leads to smarter, more efficient solutions than other companies. Moreover, Mann takes advantage of technology. Marketing strategies are not usually associated with complex technology, but he hires professional researchers to analyze data with the latest software. By looking at these numbers, he has set the standard for investment in the 21st century via progress at Dynamics Search Partners. Mann is well respected for his commitment to clients’ solutions and a work ethic that is unmatched by colleagues. He is active on social media where he discusses his latest milestones and updates followers on his whereabouts.