Maximizing Social Security Benefits

David Giertz is one of the leading financial advisors in the country. He has over thirty years of experience in the financial service industry. He is an accomplished, visionary, and inspirational leader. He has a proven track record of growing revenues by billions in the companies he has worked with. He has also worked with many community organizations.

Mr. David L. Giertz is a fifty three year old who graduated with a Bachelor of Science Degree from the University of Millikin. Additionally, Dave is a certified business coach with WABC and an industry arbiter with FINRA. Between 2004 to 2009, David served as the Vice President-NF Sales at the Bank Channel. On April 3, 2013, Mr. Giertz joined Nationwide Life Insurance Company as Senior Vice President-Nationwide Financial Distribution and Sales.

Myths about SS

Misconceptions abound about the right time to begin reaping retirement benefits. As a result, many retirees receive less income or unexpected taxes. SS is taxed when beneficiaries take it before retirement and continue to work. The government deducts one dollar for benefit payments for every two dollars that one earns above the annual limit. Additionally, beneficiaries do not understand factors that are used in determining amount of Social Security or that they are permanent. However, waiting or delaying to enjoy these benefits increases them by eight percent of the full retirement amount. Therefore, waiting for just a few more years beyond thee age of sixty two allows retirees to earn as much as they want.

Planning for Retirement

One way of coming up with a solid plan for a peaceful retirement is by taking into consideration other income opportunities. Investment is an option, but it has to be well calculated. For instance, future retirees should time their investments well. Another way is to compliment a savings account with a brokerage one. Doing this gives one access to currencies, bonds, and stokes where they can be sold for profit. Also, brokerage accounts are flexible because they do not limit investment and withdrawal amounts. A health saving account is also useful, but only when used for conditional medical expenses.

Choosing The Right Bank For Your Needs

Are you looking for a good bank in the Dallas, Texas area? Want to find a bank that has a good reputation due to their excellent service? Perhaps you have heard a lot of good things about Nexbank and wonder if the bank will meet your needs.

Nexbank is one of the leading financial institutions in the country. Nexbank has been providing a vast range of financial services to businesses and individuals for many years and comes highly recommended in the industry. Anyone who is in need of expert advice regarding banking, money management or financial advisory, should consider Nexbank.

Choosing the right bank for your personal or business banking shouldn’t be a daunting task. If you’re trying to decide which bank or financial institution best fits your needs, you’ll want to find out which features or services are available to you. It can also be helpful if you’re considering switching your bank.

There are many banks and financial institutions to research before making a decision. Not all banks or financial institutions are created equal. Each bank offers many different services and features to customers and clients.

You will want to find a good bank that has been catering to customers, and providing outstanding services. You may want to read reviews or contact current customers to find out how satisfied they are with the services they receive from the bank or financial institution you have in mind.

Based in Dallas, Texas, Nexbank is well known for providing top notch advisory service and financial solutions to those who need expert assistance in investing or managing their money. The financial and banking professionals at Nexbank are highly knowledgeable and experienced, and they are fully committed to providing the best quality service possible.

Highland Capital Management (HCM): A Respected Investor in Financial Markets and the Community

HCM is one of the world’s largest investment consultants that manage about $15.4 billion of Assets. The founders of this investment powerhouse, Mr. James Dondero and Mr. Mark Okada, have built it into a big, experienced, and respected alternative credit manager. HCM is a specialist in credit strategies that include private equity, long-only funds, collateralized loan obligations, and hedge funds. The firm has expanded portfolio beyond the United States to Argentina, Seoul, Singapore, Brazil, and Singapore.

Commitment to the well-being of the community

Highland Capital Management values the well-being of the community. Other than committing billions of dollars to the financial markets, the firm has invested heavily in communities where its workers live and work. HCM makes a strategic difference through financial donations, holding senior positions in advisory boards, and volunteerism. Various local community self-help groups and national charities have benefited from Highland’s financial aid. The firm has special interests in projects that concentrate on bolstering the quality of education, the welfare of retired soldiers and their families, and healthcare.


James Dondero has worked hand-in-hand with Mark Okada to foster the expansion of Highland Capital Management. Dondero holds the president post while Okada serves in the capacity of a chief investment advisor. President Dondero’s unparalleled professional expertise lies in equity and credit market. He guides a team of experts in creating leading-edge credit-oriented solutions to solve problems that retail and institutional investors encounter. Under Dondero’s thoughtful guidance, Highland has developed and offered award-winning products that include mutual funds, CLOs, separate accounts, REITs, hedge funds, and ETFs.

James Dondero has excellent education credentials. In addition to his double majors in the field of accounting and finance, he holds several prestigious professional courses. On the other hand, Mark Okada supervises the company’s investment endeavors. He also heads the Highland Floating Rate Opportunities Fund as the portfolio manager. This fund has scooped the Lipper Fund Award in the category of Best Loan Participation Fund twice. Okada has been serving as a credit solutions expert in the financial markets for over three decades. Okada has earned a positive reputation for his talents of developing unique trading solutions, underwriting procedures, and overseeing transaction practices.

How NuoDB Can Help Your Business Grow Thanks to Its SQL Database

NuoDB was founded in the year 2008 by Barry S. Morris and Jim Starkey as NimbusDB. However, in 2012, the company was renamed to NuoDB, a name and signature that it still holds to date. The idea to start the company was hatched by the two founders who envisioned a platform where a database powered by SQL would promote a productive relational technology.
NuoDB is currently managed by a team of senior managers and former executives of various companies such as IONA Technologies, Microsoft, BroadVision, ExaGrid and Hewlett-Packard Enterprise. Since its launch and subsequent breakthrough, the company has recorded a whopping $12 million in total venture capital. Apart from this, the company was awarded its first patent within a period of 15 months making it one of the few companies to ever pull such a success rate.
Its latest release, the SQL database v2.6 comes with an added support that facilitates an active-active cloud database that can be deployed across multiple Amazon Web Services (AWS). With the Amazon Web Services, any company that uses the NuoDB SQL database is in a position to trim on its operational costs and enjoy favorable loading speeds. Unlike other SQL databases which usually replace hardware’s to promote the effectiveness of their systems, the NuoDB SQL database has been designed in such a manner that extra hardware’s can be added onto the previous ones and still remain effective.

Views Of Felipe Montoro Jens On Concessions And Sanitation Services

There was bound to be a lot of discussion when the government announced the concessions it was going to make through a partnership with BNDES, the National Bank for Economic and Social Development. Hence the views of Felipe Montoro Jens, a leading name in infrastructure projects, were really relevant here. Edison Carlos is the president of Trata Brasil. This is an institute that is associated with actions on basic sanitation. He stated that the basic sanitation services in Brazil will undergo major improvements with regard to management as well as in the structural and the resource areas. In addition, there will be a reduction in the waste levels too.


Till now, 90% of the basic sanitation services in Brazil were being provided by the public agencies. Now getting a private initiative is a great idea as both these forms of management will be able to work better once they act in a complementary manner. This is because the government bodies have a lot of experience while the private players have access to resources.


Felipe Montoro Jens has maintained that losing water is leading to a major loss of financial resources from various state-owned companies. Since the private enterprises have more resources, hence they can avoid the water being wasted. Besides, these private companies make use of advanced technology too. This is crucial with regard to the water management. The current situation in Brazil requires the rigor of such organizations in order to perform a significant improvement financially in these public institutions.


Felipe Montoro Jens further commented that the efficiency of an organization is not based on the kind of administration it has. There needs to be an alignment between its operation and the citizen’s needs. Even the costs will make an impact here, as per the infrastructure expert, Felipe Montoro Jens.

At Cancer Treatment Centers of America, Patients Have A Say In Designing Their Treatment Plan

Oncologists at the Cancer Treatment Centers of America (CTCA) now have a new tool, the Clinical Pathways program, to help them decide on a course of treatment for their patients. The Clinical Pathways program integrates a decision support solution, eviti, and the Allscripts Sunrise records to produce a program that presents physicians with all of the available cancer therapies for their patient. The Clinical Pathways program takes into account the latest cancer data, presenting only the evidence-based options that are appropriate for their patient’s specific disease state. Patients have their say as well; they can discuss the data provided, which includes information on response rates, the approximate cost of delivery and toxicity, with their oncologist and family.

CTCA has five hospitals across the country; people frequently travel to receive the integrative cancer treatments that have made CTCA famous. CTCA has a presence in other countries for people to make contact and determine if they wish to travel to the United States for treatment. In addition to conventional cancer treatments, CTCA has a variety of non-traditional practitioners in-house, such as acupuncturists, to combat the side effects of cancer and cancer treatments.

With CTCA’s patient-centered approach and advanced clinical treatments, the hospitals enjoy high patient satisfaction scores. Each of CTCA’s patients receives an individualized treatment plan based on the location and the stage of his or her cancer. Patients also design a portion of their treatment by including mind-body medicine, massage, spiritual counseling and any of the other integrative therapies that they choose to include.

“Gregory Aziz: An Innovative Established Leader In The Freight Production Industry!”

With Gregory James Aziz’s business acumen and performance history he has become a dynamo in the capital investment and entrepreneurial industry and is widely recognized among his constituents as a leader. Aziz is the acting Chief Executive Officer and President of National Steel Car, whom is the biggest and third ranked producer of freight car production parts and cars in the country of Canada. National Steel Car located in Hamilton, Ontario is distinguished by its constituents in the railroad car industry for being the only company to have their ISO 9001:2008 certification in North America.

Established in 1912 by several capital investors, the company from the start was a lucrative success. In fact, just one year, National Steel Car had far surpassed their trajectory growth sales just as Canadian locomotives, carriages, wagons and other vehicle orders reached an all-time high. Even during the Great Depression Era, the company did not go bankrupt like the majority of businesses did although it did suffer some losses. With all of the building going on in World War 2, National Steel Car’s production and revenue surged through the roof and they’ve been thriving ever since. They are so successful and prevalent in the freight operations market that for over ten years straight they have eared the notable TTX SECO award. The following is a list of some of the currently manufactured freight car products they offer.

  • Boxcar – super duty and jumbo choices
  • Coil car –both the longitudinal and transverse coil cars
  • Flat car – also offering Centre beam car options
  • Gondola car – including coal car carriages
  • Hopper car – covered and open roof
  • Intermodal car – well and spine distinctions

Gregory J Aziz has had a great deal of work experience among the banking markets and has had many prosperous investment endeavors in N.Y that saw profitable capital return. It is through the profit of these acquisitions, James Aziz was able to purchase National Steer Car from Dofasco, the company that bought it in 1962. He had the foresight to transform the company into an exclusive railroad freight car manufacturer as opposed to other interests the previous owner made such as trucks, snowplows and aviation equipment. Gregory Aziz remarkably catapulted the manufacturing volume from 3,500 to 12,000 vehicles in just five years from its purchase in 1995. Employment rose from approximately 600 people to 3,000 due to this great expansion.



Matthew Autterson’s Business Success

Investment management is the proficient running of a number of forms that deal with securities, these may include; assets, shares, and bonds. All this is done with the aim of achieving certain objectives to investors. Investment management has particular people who profit from it such as companies, charitable organizations, insurance companies and retirement funds.


There also must be the best investment management firm all over the world, some of the known ones are; Goldman Sachs Asser Management LP, Prudential Investment Management Inc, Fidelity and Investment Money Management Inc. they have become o successful due to the following reasons; they have always worked together thus embracing teamwork as well as treating each other equally, they receive great advice, they ensure that their clients are first served prior to other duties and since they began they have grown when it comes to collecting investment.


Matthew Autterson is a well-known investment management professional, and more importantly, he is independent. Autterson is also a financial advisor, his duty is to help take higher the lives of so many people who want to invest and succeed financially. He is a graduate of Michigan State University with a B.S in Finance. His first job after graduating was at First Trust Corporation then, later on, he started working on financial services. Matthew is part of the board of directors of Falci Adaptive Biosystems. He is evidently a busy man who is working so hard to achieve more.


Mathew Autterson is an incredible man who puts all effort in what he does, this hard work nourished fruits immensely and he turned to be the co-founder of Resource Trust Company.

After some time he was appointed the president of the company. This firm is in charge of delivering retirement property facilities collection. As a result, the tactic and plan of the company were sold by over 10,000 financial independent organizers. This made an achievement of getting over 500 employees and making $20 billion. Soon after that, the firm was named the largest state-chartered company in Colorado. The success of Resource Trust Company impressed Matthew and therefore he decided to begin working on estate and tax development.

Kevin Seawright Is On A Mission To Provide Affordable Housing And Revitalize Communities

Developing affordable housing is a specialty of RPS Solutions and they have entered into a partnership with the National Community Stabilization Trust also referred to as NCST.

The idea is to help Baltimore revitalize and stabilize their low and moderate-income communities. Kevin Seawright of RPS Solutions is thrilled with the partnership and believes it will help make homes more affordable, boost the local economy, and sent the homeownership rate upwards. He believes the model used by NCST if effective and the partnership will be successful.

The NCST partnership is categorized within the Strategic Development Partner program for non-profit’s and should makes homes a lot more affordable for the buyers while contributing to a substantial increase in the homeownership rate.

The First Look acquisition program of NCTS has given community development organizations, local affordable housing organizations, and RPS Solutions the opportunity to acquire REO properties that are within their market areas. This will happen before broader marketing can occur.

According to Crunchbase, Kevin Seawright’s vision to strengthen his community in Baltimore, Maryland was responsible for the development of RPS Solutions in 2015. He worked very hard alongside his team to give individuals the help they needed to purchase homes. His goal is to see the residents of Baltimore far exceed the current rate for homeownership.

NCTS is classified as non-profit and the organization strives to rehabilitate properties that have been abandoned or left sitting vacant all over the United States. Learn more about Kevin Seawright:

NCTS’s programs have been designed to facilitate home restoration, allow for safe demolition when it becomes necessary, and give their support to productively and creatively re-using any land left vacant. More than 23,000 properties have been conveyed by NCST to non-profit home purchasers throughout the United States since 2009.

Kevin Seawright has a lot of love for his community and wants to see every individual given the opportunity to develop their fullest potential. His mission is the creation of a society with more diversity enabling home ownership and a community that is thriving and healthy.

The partnership with NCST should be a significant asset due to both their renovations and construction of affordable homes.

Working Experience of James Dondero

Mr. Dondero started his life career in 1984. He worked as an analyst in the Morgan Guaranty under a training program. During his study, he schooled in two institutes, The University of Virginia and McIntire the best kwon school of commerce. In the university, he majored in finance and accounting. In addition to that, he has skills as certified Accountant person who had the biggest advantage of using the Financial Analyst Charter. His good work is connected to $1 billion funds for American Express which he assisted in obtaining. Before that, he worked in the American Express. That is where he completed his training program in finance at JP Morgan.

James Dondero is a prime supporter and president of Highland Capital Management, L.P., has donated millions in continues to Dallas-area nonprofits and charities. Jim Dondero is responsible in promoting educational to those living in the Dallas-Fort Worth places. His effort has resulted in a growing of partnerships and help like donations that continues to improve the lives of Dallas occupants.

Highland Capital Management, L.P is the largest company that has a collateralized loan rules in the U.S. estimated by dollar amount. At HCM Acquisition Company had him as a chairperson at one time. Mr. Dondero has more than three decades of experience in the credit markets. In this segment, he focused largely on high-yield and troubled to invest.

Under Mr. Dondero’s help, Highland Capital has been the best in both developing the Collateralized Loan market and advancing credit-arranged solutions for institutional and retail financial specialists around the world. Many families got the greatest the advantage of using the system which was aiming at improving the life of most people.

James also is well known in Protective Life’s GIC. In this company, he worked as chief investment officer. His best management and working experience include mortgage securities, and common stocks that are common to many people. All donations that are connected with Mr. Dondero’s management have won many accolades and awards during his working career. This is a great achievement that most do have in their career life.