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Are you prepared for your life after retirement? What is it that you are required to do and avoid during retirement? Most people turn to early retirement without the skills needed to sail through it successfully. In fact, most people wait till they retire to plan for their retirement.

As a wise old saying, failure to plan is planning to fail. To avoid falling into a predicament, you should plan for your retirement. So how do you manage this? The following are some of the tips that David Giertz you can borrow.

How to be Financially Stable at Retirement

Regardless of the amount of your monthly payment is, you should be able to save for your retirement quite early. The main reason being, you may not be able to estimate the correct amount of money that you will need for your retirement. Save wisely for the future. Remember, at retirement, the chances are high that you will be spending more of your resources more than you can earn. As such, it is prudent to ensure you have enough resources to run your retirement to the end.

Saving huge amounts of money may appear to be an excellent idea. However, no matter the sum of money that you save, it can never be enough. As such you need to invest your savings wisely. Ensure that you are in a position to get a steady income.

Invest your Savings Wisely

Well, the most important factor here is the amount that you decide to spend. The question of how you spend it also comes to play. The fact is, making a sound investment can be a great way to get a steady income flow. According to David Giertz, they are some of the factors that you can consider to make better investment decisions.

David Giertz is a financial expert with over three decades experience. He is among the top financial advisors in the United States. He is a visionary, accomplished and inspirational leader. David Giertz has worked for some firms in the United States. In all these companies he has a proven record of growing revenues by huge profit margins. He has also been involved in some community programs.

Seattle Genetics is among the companies whose operations are directed towards research on cancer ailment. Clay Siegall, Seattle Genetics’ Chief Executive Officer, provides various innovations that will make significant advancements in cancer therapies. The majority of Seattle Genetics’ ventures are directed towards the cancer field throughout its period of existence. The company’s line of activities is guided by Clay Siegall whose interests are in improving lives of people living with cancer. Since the organization’s founding in 1998, Clay Siegall has worked diligently to lead the enterprise to important advancements in cancer studies and therapies. Clay’s biomedical expertise stems from his knowledge acquired from the University of George Washington where he earned his Genetics Ph.D.

Additionally, Dr.Siegall’s professional experience is satisfying and a primary indicator of his biomedical passion. Clay commenced his career at the Bristol-Myers Pharmaceutical Research Firm where he served as the senior research investigator. Clay Siegall worked his path up to the institution’s principal scientist before relocating to National Cancer Institute. After a series of extensive experience, Clay Siegall began developing his venture. Later, Clay launched Seattle Genetics which has ended up to be recognized as the most motivated and converter of lives of cancer patients. The organization has experienced outrageous achievements due to Clay Siegall’s principles that are guided by his genuine desire to help alleviate the suffering experienced by cancer clients.

As the CEO of Seattle Genetics, Clay Siegall has played significant roles in the augmentation of antibody-drug conjugates usually known as ADC. The drugs entail ADCETRIS which is designed to help cancer patients in more than sixty nations. In 2011, Clay Siegall led ADCETRIS drug into securing an approval by FDA. Additionally, Clay’s duties entail his participation in fundraising activities whose primary concern is in cancer treatment. Recently, Clay took part in a campaign that raised approximately $1.2 billion in the private and public funding of his organization. This massive capital infusion has motivated Dr. Siegall to brainstorm and come up with advanced and innovative cancer treatment methods. Also, Clay Siegall’s role in the cancer community has been prosperous in the development of various medicines including Pfizer, Genentech, and GlaxoSmithKline.

OSI Group holds an excellent reputation as a company that deals with meat processing, with many different products to serve their customers. The products include sausages, bacon, frozen beef, cooked beef and pork, raw beef and much more. The products available serve any meal, that is, breakfast, lunch, and dinner as well as snack time. Over the years, the group’s range of products has increased because they have been acquiring different companies dealing with meat processing as well. The company began its journey more than 100 years ago, continuously rising and expanding. It was initiated by a man called Otto Kolschowsky in 1909 as a simple butcher shop that also did meat packaging. The company was named Otto & Sons and was based only in Chicago at the time.

In 1955, Otto & Sons became the first company to supply McDonald’s with hamburgers. The business was doing great they were forced to open a subsidiary branch in 1973 that was specifically devoted to serving McDonald’s. Sheldon Lavin, the current CEO of OSI Group, joined Otto & Sons way back in 1970 as a financial organizer and later as a co-partner. Kolschowsky had left the business to his two sons, and they were the other co-partners. Sheldon’s expertise helped the company grow and expand to become global. A few years later, in 1975 the company changed its name to OSI Group. OSI Group began expanding to places like Spain, Taiwan, Germany, Brazil, Poland, Mexico, and the Philippines. The expansion took place in two decades, in the 1980s and 1990s.

OSI Group’s headquarters are currently based in Aurora in Illinois. The company has a wide customer range serving 17 countries around the world. The company has expanded to Europe, and this was made possible when Baho Food, a Dutch company merged with OSI. Baho Food is well established in Europe, and it has five subsidiary companies. The five companies also serve Germany and Netherlands. Baho serves 18 European countries with many products. The transaction increases OSI’s range of product and helps them grow in Europe. In 2016, OSI also purchased Tyson Foods a company based in Chicago. Tyson was on the verge of being shut down when OSI bought it.

OSI has shown that the sky is not the limit by their continuous growth and success. The Group has so far acquired other several companies such as the UK Flagship Europe, German Hynek Schlachthof GmbH and much more. The Group has many customers relying on their products, and this is because the company has been successful over the years. The Group has also won many awards for their amazing work as a food processing industry.

OSI Group Info:

Retirement is something that everyone who was having a midlife crisis is thinking about. Everyone who has at some point in time doing a job that takes up a lot of their time thinks about kicking it up and taking a break from their stressful life. For some retirement is a relief, while for some, it may seem more scary than comforting. Retirement is considered to be some of the best years of one’s life. People who are retiring have the time and the opportunity to do whatever they would like, and the only other thing needed in the entire mix if some money. The idea of retiring should not be one that people shy away from, but one that they could very openly embrace. Individuals who are now content with their retirement plans have either worked so hard that they have enough money to buy whatever they want, or are someone who likes to save bit by bit every working month that they spend through the course of their professional life.

Even though the latter is something that seems like a lot of effort, it is the route that people advise their clients to go into. Saving your money is one of the best ways to contribute to your retirement fund, and is something that everyone in the industry needs to be able to lead a comfortable life after their work. Saving little every month is one of the ways that people can ensure that they prefer for this later part of their life. Individuals who have had brilliant retirement plans had started working towards it as long before as when they were at the beginning of their career. Even if you haven’t started planning for retirement early on in your career, you can still do it, since it never is too late to begin.

According to David Giertz, Banks and financials tend to have a lot of different flexible programs which incorporate retirement plans and the way that their clients handle their finances, so if you believe in starting later or early on in your career, be sure to research it and find out all the information that you can get so that you can be well prepared for when you do encounter the wonderful years of retirement.

Whenever the word cancer is spoken, people become frightened. Cancer is a devastating disease that wrecks havoc on people’s entire lives. It is important for cancer patients to trust in the doctors and healthcare institutions that deliver cancer treatment. Cancer Treatment Centers of America is the one of the best cancer treatment places today. Patients know that this organization can be trusted. This is big, as cancer patients literally entrust their lives to the healthcare organization they choose to receive cancer treatment. This organization has just announced their novel Clinical Pathways platform.

Cancer Treatment Centers of America launched this system as a way for healthcare workers and patients to research treatment options, statistics of different cancer treatment outcomes, drug side effects and interactions and recommendations for specific cancer treatments. Having all of this information gathered into one place is a time-saver. Since this information is accessed on a computer, it is easier to find the exact information being searched for. Cancer care doctors are ecstatic about this new system. They are able to focus on their patients knowing, that they have the latest information right at their fingertips. Centers Treatment Centers of America is proud to offer this and other cutting-edge treatments, equipment and research related to cancer and the treatment of cancer.

What is right for one cancer patient, may not work in another. This is why cancer treatment is so complex. There are hundreds of variables to consider when deciding on an appropriate cancer treatment plan. CTCA recognizes that one method does not fit all patients. Added to this are the patients concerns regarding how their treatments will affect their daily life. The cancer specialists at CTCA are not afraid to think outside the box. Cancer Treatment Centers of America gives patients choices over their cancer treatment plan.

James Dondero is the co-founder of Highland Capital Management. Residing in Dallas Texas, he oversees the overall management of the company. From retail to operations to strategies, James Dondero has been instrumental in the organization. James Dondero has vast experience in equity shares, credit markets as well as collateralized loan obligations. Most of the asset accounts James has managed have received accolades as well as awards in the year. In 2014, James Dondero was honored for his input in the firm. He received a 5star designation from Global Allocation. He was also awarded by Floating Rate Opportunities thanks to his commitment to guiding clients in making the right investment decisions.

Experience and Education

Before joining Highland Capital Management, Dondero served as the chief investment officer at GIC, an affiliate of Protective Life. He grew the business to profit revenue of $2 billion after working for five years. Being fixed funds for the prominent American Express, Dondero earned more points in his career journey. Dondero is an alumnus of Virginia University, and he majored in finance and accounting. This explains his expertise in allocating and distributing funds in different sectors of the hedge institution. As a finance analyst, Dondero is skilled in predicting the success or failure of an investment docket. With such skills, he has been able to give credible advice to his clients. That is why Highland Capital Management continues to garner clients from different parts of the world.


Led by James Dondero, Highland Capital Management was established in 1993. The registered investment adviser works closely with its affiliates to advice clients on the best deals to invest in across the board. Managing approximately $ 13.7 billion in assets since its foundation, Highland Capital Management boasts of being a home to many investors.


Dondero continues to create a strong client base through his admired expertise. Highland Capital Management is a leading hedge fund institution. Consistently utilizing modern technology to predict the future of investment, this firm has succeeded in pleasing clients. Under the leadership of Dondero, clients get to enjoy the benefits of investing across multiple structures.

The Brazilian economy is characterized by both state and privately-owned companies. The situation was, however, different at the beginning. Infrastructure expert, Felipe Montoro Jens, recently narrated the journey of privatization in the country according to the CNI survey named the Opportunities for the Privatization of Infrastructure.

The Journey

At the beginning of the 20th century, Brazil had only state-owned companies. The 1930 political regime brought about the modernization of these firms. The state presence continued growing until the 80s when privatization was introduced. The motivation behind the move was the external debt crisis that had hit the country at the time. The year 1990 saw the formation of the National Privatization Program. Following economic reforms proposed by the government, many industries, such as the aeronautical, steel, and petrochemical, were privatized. The 1995 Concessions Law led to the privatization of the transport, telecommunications, electricity, and sanitation sectors. The state owned banks were also sold to private investors. This move was followed by the approval of the Public Private Partnerships Act in 2004.


In the area of Infrastructure, telecommunication was the first to be privatized. The rules that govern the industry came to play in 1997 under the General Telecommunications Law. The law gave the government the role of regulating the industry but not to act as service providers. The regulation of the tariffs by the Ministry of Communication ceased with the formation of the National Telecommunications Agency, a private regulator of the industry. Other key bodies contributing to the growth of the sector are The General Concession Plan created in 2008, and the General Plan for the Universalization of Fixed Telephone Service created in 2011.

About Felipe Montoro

Felipe Montoro Jen is a competent infrastructure expert from Brazil with massive know-how in the oil and gas industry. His other areas of expertise include finance, auditing, and project development.

Felipe Montoro is a former scholar at the Fundacao Getulio Vargas University and the Thunderbird School of Management. He studied finance and BA.


Most Americans have developed a habit of putting some money aside for savings, contrary to what many think. A good percentage have put in efforts to ensure their retirement years are well covered. Most of these people, however, find it difficult to take out some money from their savings accounts for spending. The thought of a future event that can need a large amount of money holds them from spending money on simple fun like holidays. The sad aspect of this behavior is that they miss out on realizing their heart desires as youths. Also, they lead gloomy lives with minds that are not fully satisfied. David Giertz, a financial advisor, believes that a person can have a taste of both worlds. He shared some advice on how one can achieve a balance between saving and living a life of their dreams.

Saving for Fun

Saving for a retirement calls for a lot of discipline in order to succeed. People need to incorporate their dreams when laying out a saving strategy. Adopting an approach that works towards achieving the dream ensures that one does not miss out. A retirement plan should also include saving for activities that were previously left out because of other life engagements. This aspect is as important as incorporating the money to leave to one’s heirs. Another tool that can ease up individuals to take out money for fun filled lives is a budget. A budget allows one put down all the expenses. It is advisable to include some money for holidays and traveling. Once they are down on paper, it becomes easier to spend. David Giertz advice on people saving liquid cash on the side rather than putting all their money on stocks. This way, they will not be scared of selling the stocks if a need arises.

About David Giertz

David Giertz is a veteran financial advisor with experience of over 30 years drawn from working for leading financial companies. He previously worked for Citigroup and currently works for Nationwide Financial Distributors.

He is an alumnus of the Millikin University where he studied a course in business administration, graduating with a bachelor’s degree. David is an MBA holder from the University of Miami-School of Business.

Lime Crime is the makeup brand that men and women use when they’re looking to stand apart from the crowd. That’s because Lime Crime makes big, bold, and beautiful statements. They do this by differentiating themselves from the typical makeup brands that you would find in drug stores.

Lime Crime is all about the bright, eye-catching, and head-turning colors. They offer every possible color of lipstick that you can think of. The company is trying to steer people away from the thought that lips should only be shades of pinks and purples. Instead, Lime Crime has a whole slew of colors. They offer blues, greens, yellows, purples, reds, and more! They have shades that range from bright to dark.

Lime Crime offers a very popular line of lip color called Velvetines and people go crazy over it. That’s because it glides on smooth, stays put, and looks flawless. The Velvetine lipstick line is one of the most popular products that Lime Crime has to offer and they seem to have quite the following. Fans are now thrilled because there’s a new color that they can get their hands on!

According to, Lime Crime has just added the color Scandal to their lineup. Scandal comes in a rich purple-violet hue which is perfect as we enter these cooler fall months! The color is a gorgeous deep shade which will compliment almost any outfit and is perfect for daily wear. Scandal is liquid-to-matte lipstick which makes it look smooth every time it’s applied.

Scandal is perfect for fans to get creative with! They can pair it with glitter, eyeshadow, or liner from Lime Crime. They can also make their lips two tones by utilizing two Velvetines or mixing it up with Diamond Crushers. Lime Crime is all about helping people create looks that are entirely their own.

Overall, Lime Crime has a product for everyone. They prove this by releasing Scandal, a plum matte lipstick that anyone can enjoy no matter what the season or the reason. Lime Crime products are designed to make you look good, stand out, and feel confident in what you look like.

One can become a lawyer In Brazil after completing two steps. The first step is that one must earn a BA degree in Law from a university recognized by the Ministry of Education (Minístro da Educação – MEC). It is common to complete this first step of getting a Law degree in 5 years. The second step is that the individual must be approved on the “BAR” exam which is offered by the Brazilian Order of Lawyers (Ordem dos Advogados do Brasil – OAB). Both steps are mandatory for an individual to practice law in all parts of Brazil as a lawyer, promoter or even as a judge. These steps in becoming a lawyer are the same in all of the federal territory of the country.

Ricardo Tosto de Oliveira Carvalho is a famous lawyer in Brazil. He holds a Law degree from Universidade Presbiteriana Mackenzie. He also specialized in Business Administration at Fundação Armando Álvares Penteado (FAAP). He is also a partner of Leite, Tosto e Barros Advogados, which is one the most respected Brazilian law offices according to a notorious magazine that specializes in the juridical area, which is called Anuário Análise Advocacia 500. The magazine provides a list of the most renowned law offices in Brazil as well.

Ricardo Tosto de Oliveira Carvalho is at a level of notoriety for working for celebrity clients as well as large enterprises in media covered cases. He also works pro bono for some NGOs. Ricardo Tosto de Oliveira Carvalho has also contributed to the creation of laws of great economic relevance in his country. He is also considered a pioneer in the project for a number of legal mechanisms are now common practices in way Law currently practiced.

Leite, Tosto e Barros is led by Ricardo Tosto de Oliveira Carvalho. He also oversees special cases. Ricardo Tosto de Oliveira Carvalho is determined to ensure that the law firm produces excellent results.

Ricardo Tosto de Oliveira Carvalho became famous for working for private banks and defending them in court. He has had more than 1500 cases in São Paulo alone as well as approximately 50 other cases throughout Brazil. His most famous private bank clients are Banco Santos S/A as well as Banco Fibra S/A.

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