David Giertz Tells Retirement Advisors To Take Social Security Investments Seriously

Saving for retirement is one of the most important things that anyone working should do. However, it is not only about putting money aside under a retirement plan at https://twitter.com/davidgiertz, one also needs to know about the receipt of the benefits and the costs associated with it. A research conducted by the Nationwide Retirement Institute showed that most people retired or on the verge of retirement do not fully understand social security. This results on MoneyTips.com in less than expected retirement benefits due to the unknown taxes.

David Giertz was interviewed on angel.co recently and he emphasized the need for advisers to talk to their clients about social security during retirement. He said that if the research by his institution was anything to go by, an adviser risks losing clients if they do not do so. The research showed that 4 of 5 people would change their adviser if they failed to talk to them about social security. For the client lack of this knowledge may lead to disappointment later in life. David Giertz argues that social security may lead to reduction of funds received during retirement up to 40% of the expected value. This may lead to financial strain on the individuals.

David Giertz is financial adviser working with Nationwide Investment Services Corporation. He holds the position of Senior Vice President of Nationwide Financial Distribution and Sales since 2013. Before his current position, he worked in other positions in the company. With over 20 years of experience in the financial asset, David Giertz is a major asset at Nationwide Investment Company ensuring that clients fully benefit from the services. He is also very concerned about clients and thus feels sorry for the failure of other advisers who do not address the issue of social security. He attributes this failure to the complexity of the rules relating to the social security.

Why Stock-Based Loans Are Taking Prominence in the Capital Market

Over the years, global lending firms have been rising rapidly thus contributing towards the development and establishment of many business entities. This has necessitated the development and emergence of many investment and equity firms that have specialized in offering financial support to startup businesses. Equities First Holdings is a world leading equity lender that has been playing a major role in ensuring investors access soft loans at reduced rates.

The company has also invested in stock-based loans to try and help the general public to access funding since the lending institutions and the banks have been increasing their interest rate. This has affected the market negatively prompting other key players like Equities First Holdings to come in and invest in the financial industry. They provide flexible lending rates to the investors who intend to invest in small and medium business entities. They have been termed as the alternative financial lenders to people who intend to get money faster and who have limited access to commercial lending institutions.

The stock-based loans are very flexible on the borrower as they provide a fixed interest rate regardless of the prevailing market conditions. The loans are not affected in anyway during the marketing variation that is always experienced by people during the repayment period. At this time, other loans will vary in the repayment interest which is dictated by the market condition while the stock-based loans will still perform normally. This has led to an influx of people seeking to invest in Equities First Holdings rise gradually over the past few years. Stock-based loans have been attracting more investors compared to margin loans. The margin loans are considered harsh as they required individuals to pre-qualify before being given one and comes with high interest rate of between 10and 15 percent. They have tough rules regarding the collateral to consider.


Equities First Points Out Changing Pattern

While the United States economy struggles, we are all suffering from the 2008 housing collapse. The atmosphere is worsened by the exit of the United Kingdom from the European Union. The numerous traditional investment tools such as bonds, stocks, and mutual funds have become extremely volatile in this environment. For Equities First Holdings, LLC, this environment is so important because it presents the untapped opportunities in the financial markets. The company has noted the increased demand for the stock associated loans for many borrowers.

Equities First Holdings, LLC is a global leader in the provision of alternative financial solutions such as the stock-based loans to high-net-worth individuals, businesses, and large corporations. For this reason, the company has noted that many investors are moving towards using stocks as collateral to achieve the financial solutions through loans. For this reason, Equities First Holdings, LLC believes that there is an increased interest rate in banks and other financial solution institutions to scare away the investors.

Therefore, the banks have raised stricter criteria to qualify for the loans. While most people can understand this criterion from the economic down-time of 2008, some of them are seeking the stock-based loans as a way to make them qualify for the loans. This is the newest way to make individuals and other businesses secure working capital in the world of finance. According to Equities First Holdings, LLC, this is a better alternative.

Because banks keep on misbehaving during harsh economic times, these loans are there to solve people’s problems. For this reason, they can receive a low-interest loan or qualify for the amount. Typical stock-based loans offer low-interest rates between three percent to four percent. Moreover, these loans come with minimal or no restrictions. For the money, the borrowers receive a broad range of options. On the other hand, there is an associated risk with the loans. For those who skip payments, ensure that these stocks retain their amount of value. This action can accrue some problems in this unpredictable economy.

Equities First Holdings, LLC was incepted in 2002. It specializes in alternative financial solutions using the stock-based loans.

Three Ways You Can Win with Investment Banking

If you are looking for banking options, you might be feeling overwhelmed. After all, there are many options to choose from. However, you don’t need to any longer. The research is out and the answer is clear: investment banking is here to stay.

Firstly, investment banking has more resources to invest in secure technology. This means that your valuable personal information will not be compromised. Then there is the issue of attracting foreign market capital. They are able to pool funds together to take advantage of unique opportunities and give you a share of the profits, unlike other firms that are smaller or less experienced. Finally, you will simply have more options. If you are wanting to have a higher return but higher risk investment, you can do it.

When it comes to investment banking, you can never have too much information. The professionals working at these firms will get you everything you need. You don’t need to worry about your wealth being in the wrong hands. You’ll enjoy the peace of mind and better finances by having an investment advisor show you the path to success.

Martin Lustgarten is an investment advisor with years of experience in the industry. He is from Austria but also is a citizen in Venezuela. He uses his nationality to gain access to international financial instruments to grow his own wealth quickly and reduce the downside risk. He believes in spreading wealth around the world and also does this for clients.

Using his keen insight into markets, he makes his clients money quickly while also reducing the chance that they lose any positions they hold. Because of his international viewpoint, he is able to watch investment markets and spot trends. He can see if a market is about to make a downturn and get his clients out of the way of disasters. He can also spot rising trends and put more gas on the investments that will make his clients more wealthy. So if a local market is bad but one abroad is not, he can help you take full advantage of it. His fellow advisors in the industry often emulate him.

A Financial Service Provider Acquires New Jersey-Based College Savings Bank

Texas-based Nexbank SSB has recently announced that it has acquired Princeton, New Jersey-based College Savings Bank, which specializes in 529 college-savings programs (original article found here). According to John Holt, Nexbank’s CEO, although no terms of the deal were released, the New Jersey bank will maintain its name, branding, and operate in its current location. Nexbank said that the New Jersey bank has concentrated on college savings program since its establishment in 1987. Over the years, it has served as the program manager for Arizona Family College Savings Programs and Indiana College 529 savings plan.

Nexbank SSB is a subsidiary of Nexbank Capital, which offers a spectrum of banking services to its customers across the globe through:

  • Investment banking
  • Mortgage banking
  • Commercial banking.

About Nexbank

Nexbank provides custom-tailored banking and financial services to high-net-worth investors, corporations, and institutional clients across the US. As a market leader, Nexbank strives to deliver highly-valued services to its customers at every opportunity. Nexbank’s customers can access personalized and sophisticated financial solutions through the company’s dedicated and experienced professionals with proven track records of accountability. Nexbank has been in the banking sector with a charter dating back to 1992. The bank is committed to providing high-performance solutions to meet diverse, complex customer financial needs.

Nexbank’s 2015 financial report

For the fourth quarter and full year of 2015, Nexbank reported a strong consolidated financial result, which is a fourth consecutive year it has reached its projected levels of assets, profitability, and loans and deposits. Nexbank’s net income increased from 23 % in 2014 to 35 % in 2015. Furthermore, its total assets reported a 48 % growth reaching $2.72 billion compared to the previous year. Additionally, Nexbank’s lending increased by 42% in 2015 while total deposits recorded a 32 % growth. According to John Holt, acquisition of College Savings Bank diversifies Nexbank’s balance sheet through the additional deposit.


Secrets to Lasting Wealth With Martin Lustgarten

There are many people who long to have so much money that they do not have to do what they hate. What is amusing is that these people are often quite poor, though they may take on debt to maintain the appearance of wealth. An ancient Jewish King once observed, “He who loves pleasure will be poor.” Lasting wealth is found when we identify what we (and our peers) do not like to do, and do it frequently. A good example is common undergraduate starting salaries. One of the most frequent undergraduate degrees is economics or business. Many students assume that because a degree has money in the title, it will bring money when they graduate. What they do not understand is that your service as an employee is a type of price. When the supply of a particular good or service (labor) is high as compared to the supply (available jobs) the price for that service will be low. The price of an employee is their salary.
According to www.study.com, economics majors can expect to make about $40,000 a year. Most students do not opt for challenging majors such as those in engineering and mathematics. Since most do not, the supply of labor in those fields is always low. The demand for experts in scientific fields is generally high. This creates a favorable situation where a chemical engineer can expect to make $70,000 a year. Just as the ancient Jewish proverb predicted, those who choose to suffer in their education and career wind up with more than those who spend their college years at dorm parties.

Being weird or nerdy profits the investor in the long run. Ignore the popular media trends. Focus on the hard facts.

Martin Lustgarten is a citizen of Austria and Venezuela. He is devoted to helping you and your family profit in all their investment decisions. Martin regrets that many people never reach financial peace, and he hopes to change that with his sound investment advice.

Be sure to contact Martin on LinkedIn if you would like to hear more useful tips to grow your wealth. Martin is standing by to counsel those in need of financial help. He looks forward to hearing from you.

Martin Lustgarten Provides Reliable Investment Banking Services

Whether you’re getting into the investment field for the first time or looking for information you can use to grow your existing portfolio, it’s imperative to consult a reliable expert. When it comes to choosing a reputable expert in the field of investment banking, look no further than Martin Lustgarten.

Working with an investment advisor could help you reach your goal faster. With a trusted advisor on your side, you’ll get the personal attention you need to succeed.

Investment banks perform a variety of functions such as facilitating mergers and acquisitions, underwriting, or brokerage services for institutions. These institutions play a very important role in the investment field and act on behalf of, or for public and private investors, corporations, and governments. Some of these banks also render professional services in helping their clients with essential know-how on various issues.

Investment banks are usually divided into two categories: the buy side and the sell side. A large number of investment banks offer services in both sell side and buy side categories. The sell side typically involves placing new bond issues, selling shares of newly issued Initial Public Offerings(IPOs), helping clients facilitate transactions, or engaging in market making services. The buy side, in contrast, deals with hedge funds, mutual funds, pension funds, and the investing public to provide the assistance they need to maximize their returns on investment.

Over the years, Martin Lustgarten has helped countless clients raise funds for various business projects. Martin’s innovative financing and investment advice has benefited many investors immensely, and earned him a lot of respect and admiration. His firm, Martin Lustgarten Investment Banking Firm, is widely recognized as a top rated investment advisory firm.

As an experienced investment banker, Martin Lustgarten has rendered services to a large number of corporations, entrepreneurs, and organizations around the world. Martin has a great reputation as a leader in the investment banking field. His advisory and capital-raising strategies and services are recognized as among the best in the industry. When you choose Martin Lustgarten as your advisor, or to provide you with investment banking services, you’ll be working alongside one of the best professionals in the field.

Facebook: https://www.facebook.com/lustgarten.martin

When Life Hands You Young Minds: Make Lemonade with Nexbank


Investing in programs to build the next generation of entrepreneurs is how Nexbank is helping to develop young minds. On May 7th Nexbank sponsored a community-wide Lemonade Day throughout Dallas. Executive leaders John Holt and Mike Siekielski feel proud to help support an important program that offers young moguls an opportunity to realize their potential and build real skills to help secure their financial future.

NexBank Reports Strong Fourth Quarter and Full Year 2015 Results

Lemonade Day is a program started in 2005 as a way to teach school-age children the entrepreneur skills needed to start, own, and operate their own childhood classic business: the lemonade stand. Eleven years later this program continues to grow and is being sponsored in cities all across the country.

In addition to nourishing young minds; Nexbank provides commercial, mortgage, and investment banking services. A fixture in the community since 1922 Nexbank strives to meet their client’s complex and specialized needs through high performance solutions and innovative ideas. In the last five years Nexbank has grown to be one of the largest banks headquartered and operated out of Dallas.

With total assets of $2.7 million and continued growth and development of all service lines Nexbank is well poised to invest in the great business minds of the future. It is a strategic move that ensures good financial health for both Nexbank and the city of Dallas.

Marcio Alaor Reports On The City Index Disclosures Of The Endeavor Entrepreneurs

In the month of December, the endeavour company that is a supporting and organization that supports the entrepreneurs decided to release the index that reveals the best and most entrepreneurial company in the entire Brazilian company and is now the best company ever. The BMG bank manager, Marcio Alair said that this company is set to improve communication to the country by revealing the best and most successful cities that have major entrepreneurs in the country. He further says that the index was ascertained by a study that was carried out in the 32 cities that took part in the survey that was put on board in the regions that are in the country for it to highlight the cities that are very prepared for the growth of business that are based on the tghe specific indexes that are 55 in total.

Financial experts in this field say that this kind of revelation and study is set to bring motivation to the major cities in the country as well as the cities that are left behind to come up with ways that will make their cities come to the top and bring about the element of motivation that will make the cities strive to make the ends meet and make a yearning solution for the environment. This kind of competition will realize the bring up of the best entrepreneurs that will bring on board the best conditions for marketing as well as improving the sector for business in the cities that are hit in this act.

The report by Marcio Alaor is showing that the cities that cities that were surveyed in the report to improve the conditions and the working environment and the index that was supported is inclusion of the comments as well as the comments that will be included in the survey report as well as the customary services. He says that the indexes increased in a number that is more than fifty percent since the edition was first brought about in the year 2014 by this very company that revealed the operations. He further says that the cities that were left behind should include the comments that are left below the report to increase their indexes that will be saved in the next yearend realize a very big growth that will make them come to the end of the adverbial.

Marcio Alaor shows that this index only shows us the present as well as the index of the past events that have led to the performance that each individual city had to realiuze. The inclusion of the recommendations on the survey report will make them realize better and more advances in business.

Follow Marcio Alaor on Twitter.

BMG Bank of Brazil

BMG Bank of Brazil has been around since 1930 and stated as a commercial bank which offered products for individuals and institutions. In 1973, BMG changes from being a bank for retail establishments to become a wholesale bank. BMG continues to be a whole sale bank through the mid 1990’s, Over the years BMG has grown to expand its products and services.

BMG has a competitive advantage over other banks due to their long and pioneering history. BMG has solid expertise in all aspects and they benefit from a number of competitive advantages to make BMG stand out in the market. Tradition, conservative risk profile, solid corporate governance practices, strong brand recognition, high adaptive capacity and the culture of pioneering and entrepreneurial. By deliberately choosing to develop strong corporate governance practices has allowed BMG to attract more investments and also contribute to the sustainability of its business.

With a full team of professional management, including Marcio Alaor, BMG adopted a high level corporate governance practices relying on a board of directors. Throughout history, BMG Bank has continuously worked with high quality credit portfolios. Thanks to a conservative credit policy, this is possible. Additionally, each credit decision is seen through a credit committee structure, which collectively is designed to meet BMG’s demand for intelligent, efficient, and responsible credit decisions.

BMG Bank is a that keeps its main focus on growing it’s loan portfolio in a sustainable way, which will ensure many attractive levels of profitability thus enabling the continuity of it’s business. And with BMG Bank’s focus on high quality portfolio and conservative credit policy, the senior credit team will ensure a very detailed and technical analysis based on intelligence within the industry. All decisions are taken in a joint forum with allows for a strict ability to control and monitor the bank. With the ability to diversify BMG’s funding and seeking long term sustainability requires BMG to invest into a fixed income platform aimed at individuals and companies working with smaller than average ticket. Consequently this gives lower liquidity risk for the bank. Funding structures as substantial as this is comprised of deposits, financial notes, external funding and securitization.

BMG utilizes an efficient corporate structure and management which has a main focus on controlling costs. The bank uses a scalable network of sales and software systems to enable interaction process which will optimizes communication with all the sales networks. Additional the bank aims to create high performance teams. High performance teams with individual talents only if they are able to create a winning team. People working for BMG Bank enjoy working and serving it’s customers. They even have a highly valued competent manner and work efficiently to overcome daily obstacles.