Have you talked to your Financial Advisor about Social Security?

Social Security accounts for an average of 40% of people’s retirement income, and yet most people don’t know how the complex rules affect the amount you receive. According to David Giertz, the President Nationwide Financial’s sales and distribution organization, “Those that turn on Social Security too early, they could lose up to $300,000 over 25 years.” Financial Advisors like David Giertz should be talking to their clients regarding social security.

In a study conducted by Nationwide Retirement Institute, they divided 900 people over the age of 50 into three categories, future retirees (people planning to retire within 10 years), recent retirees (people retired less than 10 years) and people that have been retired for over 10 years. 86% of the future retirees failed to determine the amount of benefits they would actually receive. The biggest misconception dealt with the age the person chose to begin collecting according to David Giertz.

Although benefits are available at the age of 62, you will receive a lower payment if you start collecting before what they consider to be the full retirement age which varies between 65 and 67 depending on your date of birth. If you also choose to continue to work while you collect you could have to pay taxes on that income at https://about.me/davidgiertz. Where as any income earned after you reach the full retirement age won’t be held against you.

Many people don’t have the option to wait past 62 to start collecting, either due to lack of savings, or unforeseen health costs or problems on angel.co. 37% of the retirees in the study confirmed that health problems were the main reason they are not living the retirement that had initially envisioned. If you are able to wait, maximizing your Social Security is one way to help increase your retirement income on Twitter. In fact, if you are able to wait to take your benefits until your full retirement age they grow by 8 percent of the full retirement amount each year.

Traveling Vineyard-A Tasty Choice

Traveling Vineyard started in 2001. It is a direct sales concept whose home workers are known as Wine Guides.

Wine Guides are given support via training, tools and a leaders knowledge to guide them.

Wine Guides enjoy a number of benefits. An important one to many that are exploring direct sales options, is a flexible schedule. There is no expertise needed, training is provided. No hands on stock to purchase, orders are shipped directly to the customer. Plus, no minimum sales are required, so Wine Guides can work as little or as much as the want.

Wine Guides schedule events with a host. The Wine Guide brings wines, that are exclusive to Traveling Vineyard, glasses, and work with the host to choose foods that pair well with the wines. The boutique wine is reasonable priced and guests get to sample the wine before the spend their hard earned money on it. Hosts can even get free bottles of wine and half price items for hosting a tasting.

Traveling Vineyard offers an assortment of wines. They have the classics, red and white, while also showing a fun side with some sweet and fizzy selections. They also carry an assortment of accessories. These include a set of stemless wine glasses, an arctic pole wine chiller that fits in the bottle, a wine chiller that a wine bottle slides into, stainless steel wine “ice” cubes, a decanter aerator, a six bottle tote, a wine lovers accessory pack, and a wine saver vacuum pump. There is something for every person that enjoys wine.

Bob Reina Is The Person People Need

When it comes to life, there can never be enough good people out there. In fact, the more good people, the better. When there are good people, good things are going to happen.

That most certainly describes Bob Reina of Talk Fusion. He is the best of the best when it comes to people and businessmen. It is one of the many reasons that so many people respect and admire the man.

It can be hard to get respect, as it is not easily obtained, but Bob Reina has done it by going the extra mile for people with Talk Fusion, the all-in-one video communications provider.

It all started back in 2007 when he wanted to send out a video email. Now, not only do they have video emails, but they also have video conferences, video chats, and video newsletters. The point of all of this is to be ability to make sure that anyone that wants to start up a business has the tools.

According to Forbes, Bob Reina knows they have the brains and the passion. They would not be using Talk Fusion or interested in Talk Fusion if they were lackadaisical about this. They are for real about this, and they are ready to pour themselves into it.

As of this moment, Bob Reina is offering 30-day free trials to anyone that wishes to use Talk Fusion and get the full Talk Fusion experience for 30 days. He does not need to do something like this. Talk Fusion is already growing, as they won two awards in 2016 and are very successful, but this is something that Bob Reina wants to do.

When there is a want, that is a very powerful thing. He is sending a message to everyone out there that there is a better way and they can change things.

Bob Reina promotes this with his employees as well. Right now, he is giving them the chance to give Talk Fusion to a charity of their choosing. He is sending a lot of good vibes out there in the world, and a lot of people are smiling about it.

Arthur Becker is a Real Estate and Biotech Maestro

Arthur Becker is the managing member of the prominent Madison Partners, a real estate and Biotechnology investment firm. He studied at Bennington College and graduated with an Arts degree in 1972. The following year, he joined the Dartmouth-based Tuck School of Business where he studied business. See, http://nymag.com/nymetro/news/people/features/15541/index2.html

Interview with Ideamensch

Ideamensch recently interviewed Arthur Becker. In the interview, he revealed that his interest in technology and real estate grew from his experience at NaviSite and Zinio. To pursue his interests, Arthur said that he sold NaviSite and invested in a condominium development.

Becker operates without any pre-set schedules, making his day flexible. He further revealed that he is most effective when working with people he respects and when coordinating experts to work on the development of a particular project. Arthur is mostly excited by new trends in biotechnology, especially the different approaches to the treatment of cancer. About the secret behind his entrepreneurial success, he said that trick is to create a good understanding within his management team.

Arthur said in a separate LA Times interview that his worst-ever job was mowing grass by the roadside, a job from which he used to make only $1.60 an hour. He revealed that he owned a construction company when he was in the second year of his graduate school, but neglected it to focus on completing school. If given a chance to start his life afresh, he said that he would focus on his business more than the graduate school.

Asked to mention one strategy that has made him succeed in business, Arthur said that he always start by identifying and then enjoining the most talented people to his vision. According to him, talent is the key to success.

Work Experience

Between 2002 and 2010, Arthur worked as the CEO of NaviSite. He currently serves as the chairperson of Madison Technology Group and a managing member at Atlantic Investors, LLC. Prior to Joining Madison Partners, he was the chairman and CEO of Zinio LLC.

Under his leadership, Madison Partners are about to complete several Town Houses along Sullivan Street in New York, reveals therealdeal.com. They are also in the initial stages of building a luxury residential condominium development in Tribeca.