The Thriving Market Of Smartphones

If there is one thing that can be said for the smartphone market, it is that it is thriving. One thing that can be said is that almost everyone has a smartphone, and yet people are still buying it. One good way to profit and continue to profit in the market is to come up with something that is highly advanced and come up with ways to keep it updating. There are always updates being made to smartphones which will keep attracting customers. This is a bit like computer hardware and software. Given that the world is more or less computerized and online, people are going to be looking for the latest technology so that they can handle their entertainment as well as productivity.

People that are in the market for smartphones are probably looking for the best smartphones they can get their hands on. These smartphones will cost a lot so they may have to save money.

It is hard to think of a time before smartphones. People were still enjoying their flip phones. The idea of watching high definition video was not considered possible. Now, these phones have large enough screens to display video that is easy to see. Another thing is that the phones have a high resolution so that images are clear and sharp.

One of the best aspects of smartphones is how simple and accessible entertainment is. While in older days, people would have to put on a physical media device to watch something on T.V. the smartphone makes it possible to watch high quality programming on their small screen. This makes things better for people who are constantly on the move.

David Giertz: Financial Leader Breaks Down the Great Importance of Social Security For Advisors and Clients

The Wall Street Journal’s, Wealth Advisor Columnist, Veronica Dagher, spoke with the President of Nationwide Financial Distributors of Nationwide Financial, David Giertz, about the importance of financial advisors speaking with their clients in-depth about social security. David Giertz broke down the reasons behind this and why it’s important for both parties to have a healthy conversation about the retirement planning process.

Mr. Giertz explained that through the Nationwide Financial Institute, a survey was conducted, consisting of consumers who were retired, and consumers who were 10 years away from retirement. What they found was that most consumers weren’t being advised on social security, and that 4 out of 5 consumers were considering changing their financial advisors if they weren’t talking to them about social security. From a financial advisor’s perspective, a retention rate that high is a cause for concern, making social security a “must discuss” topic for advisors to go over extensively with their clients.

As to why the topic of social security isn’t being discussed among financial advisors and their clients, Giertz explained how the issue of social security is quite complex, given the large number of rules involved, a total of 2700 rules, completing the social security rule book. With so many rules to comprehend, Giertz says that clients can become deterred or swayed in understanding these rules and how to apply them to their clients. Giertz feels that this hindrance can be overcomed by “just understanding the rules and having confidence around all those rules”.

Another reason as to why financial advisors need to take a greater interest in speaking with their clients about the financial planning process, is due to the large role social security plays in the future for their clients; Giertz states that social security makes up roughly 40% of the financial planning process. To make matters even more urgent, Giertz says that, “those that turn on social security too early, they could lose up to $300,000 over 25 years, that’s $12000 a year or a $1000 it’s very important in order for a client to optimize their retirement income that social security piece is very important”.

More About David Giertz

World-class financial service provider, David Giertz has always delivered progressive, innovative and strategic financial services that generate profitable growth and development.

Having been President of Nationwide Financial sales and distribution organization, David Giertz immensely grew the company’s revenue profits from $11 billion to $17 billion, while continuously exceeding P&L charts. Giertz’s extensive portfolio as a financial leader includes, successfully operating the wholesale strategy and distribution of Private-Sector Retirement Plans, Life Insurance, Annuities, Specialty Markets, Mutual Funds, Independent Brokers and Dealers, Regional Firms, Wirehouses, IMOs, and RIAs.

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Doe Deere – Article Recap

Sometimes being a morning person is just so hard. It seems like almost no one is a morning person and going through your morning routine and enjoying every minute of it can get so lonesome, but there has been somewhat of a trend in the beauty community that makes us morning people feel not as alone and oddly connected with each other. That is, going through our morning routines together.


Morning routine vlogs and blogs are typically found on the beauty side of the internet and are absolutely a product of the internet alone. There is something about the insight into each other’s lives that makes us feel that much more whole and connected. There is something about learning the steps that immensely successful people do to start their days, that makes us feel that one day we too could be in their place, were we to take the steps they have. Even ones as simple as the way you start your day.


For Doe Deere, the bright, colorful and illustrious Queen of the Unicorns, being a morning person is all too easy. She does not even need an alarm clock to wake up at her regular waking time of 8:30am. Not too late, not too early. The drinks a full glass of water as her first thing she does for the day, replenishing any dryness from skin and giving her body and skin an H20 boost!


After this she performs a few morning stretches, again, this is nothing too strenuous and is incredibly attainable for everyone! The idea of working out sucks, but not working out sucks too! Stretching is the perfect happy medium. After this, Doe moves in for breakfast. Learn more:


What do you have for breakfast every day? Do you eat breakfast? Most don’t anymore, but it is a staple that is hugely important in Doe’s morning routine and usually consists of yogurt and fruit or grits. Out of the two, Doe prefer’s grits! (Who doesn’t?!) If this is a part of your morning routine that is lacking, maybe add this for an extra boost and you’ll see more days that contain the success of the companies founder.


Once breakfast is done, Doe spends time sending emails to work and checking social media before Doe moving on to hair and make up. Deere usually showers at night, so showers in the morning aren’t in this morning routine! She does her make up and hair, allowing her flowing curls to lay around her face like the perfect frame and now it’s time to start the day.


James Dondero: Taking Highland Capital Management to New Levels

When it comes to James Dondero he does not lack experience in his career field. He currently is known for being the co-founder and the president of Highland Capital Management. Along with having those two positions he also has well over 30 years of experience when it comes to the equity and credit markets. Visit his website at

With his help, Highland Capital Management is able to offer numerous award-winning solutions and products that are available for both retail and institutional investors. Highland is currently known for having around $13.5 billion in assets that are under management. Of these assets are included several affiliates. In 2014 Highland was able to proudly receive, for Global Allocation, Morningstar’s 5-star designation.

In 1984 James Dondero was accepted to the Morgan Guaranty training program and began his career as being an analyst. It was during the same year that he proudly graduated from the University of Virginia’s McIntire School of Commerce. While at the university Dondero was able to earn dual majors in both Finance and Accounting and graduated with honors in both majors. His achievements do not stop there though, he also received certifications for both a Chartered Financial Analyst and for being a Certified Management Accountant. Read more about James Dondero on


In 1985 James Dondero went on to join the American Express as being a Corporate Bond Analysis. Before he left American Express he was able to hold the position of being a Portfolio Manager for nearly $1 billion in fixed incomes. Currently, James Dondero is known for being the Chairman of NexPoint, the board of Nexbank, CCS Medical and also Cornerstone Healthcare.


OneLogin Has Improved Infrastructure for Security and Management

Onelogin has addressed a lot of concerns that businesses have had in recent years, especially when it comes to the way that management software can be designed and deployed. There are critical conditions in the market place that have changed how Onelogin provides customized and scale-ready solutions to businesses. Some of the best aspects of Onelogin is their ability to keep up with changing market demands and pressures.

Currently, organizations are frequently seeking assistance when it comes to maximizing security and minimizing the need for customer support. These are some of the themes that may make it easier for Onelogin and other security supportive systems to improve the user experience while automating multiple aspects of system design and resource allocation.

Management software needs to address compounding risks of security. This is a problem that new software must address in order to have lasting effects that are relevant to management technology infrastructure.

Onelogin is able to address inherent risks and security paradigms for management protocols and infrastructure. There are a lot of ways that this is done with a great degree of simplicity and ease. Multi factor authentication is a great way to improve the strategies. Since there are a lot of methods that influence security, adaptive technologies are another way that legacy and existing equipment can be utilized.

Since there are so many different systems that need to be integrated to maximize user experience, OneLogin makes it possible for companies to experience higher levels of productivity. Overall, there are multiple aspects of system design and infrastructure that can be influenced by OneLogin.

Other requirements of management software are that its possible to integrate easily. Having multiple applications functioning within internal structures explains the overall benefits of management. Confirming the internal as well as external structure of employees who may access the core technology is another dimension that must be addressed. These factors can contribute to the efficacy with which web and mobile apps can be accessed throughout the infrastructure. Management and business needs can benefit greatly from the compatible and easy to use aspects of OneLogin. The security advantages in addition to core methods of improvement have led to benefits at multiple levels.

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Facebook Adds New Feature to Give Users More Control

When it comes to what form of technology most people are dependent on, chances are it’s their smartphone. Many find themselves checking their phones constantly throughout the day to make sure that they aren’t missing out on anything. Most people head on over to Facebook to learn what’s the latest with their friends, family, favorite actors, news stories, and more. People waste a lot of time scrolling through Facebook in an effort to find the content that they want to see. It seems that finally, Facebook has a way to figure out what should and should not show up on your homepage.

According to TechCrunch, Facebook is launching their newest form of technology. They’re adding a snooze button which will allow users to mute people, groups, and pages for a month. This new feature allows users to hide the content they don’t want to see. This is a much more practical solution then unfollowing or unfriending someone. Perhaps, what you’re looking for this month won’t be relevant next month or thereafter. This is great for people who are preparing for a vacation but don’t want to be reminded of it until the future.

The new feature is easy to access. Users just have to click the top-right drop-down menu that is found on a post. They then have the option to mute that content for 30 days. Many users are digging this whole idea for those going through a breakup. Many people end up being friends after a breakup and therefore deleting them off of Facebook altogether seems a bit soon. This option is great for that because a user can hide them and the painful memories while the breakup is still fresh. After a while, they can choose to unhide them or hide them again.

Although this seems like a minor update, Facebook hopes it will have a big impact. There have been numerous studies done where Facebook and social media, in general, is having a negative impact on user’s health. This feature will help combat that by giving them more control over what they want to see.

How the Nick Vertucci Real Estate Academy came to be

“Get In, Get Out, Get Paid”, a straightforward slogan for the Nick Vertucci Real Estate Academy. The first step is to buy homes at the best possible price and sell it at a high price. This way you can start growing your wealth right away. Step two: Once you purchased the home, start the process of flipping, renting, wholesaling, or rehabbing your home. The last step is simple, start cashing those checks that you worked hard for. This is the perfect time to save for the future and grow that fortune! Nick Vertucci will teach you everything you need at a workshop near you. Mr. Vertucci and his team of professions travel the whole country to impart his pearls of wisdom to people eager to learn the trade secrets of being a successful in the real estate industry.

As a student you will learn about contracts pertaining to wholesale and flipping homes, investing in commercial properties, purchasing homes for long term cash flow, asset protection, and so much more! Signing up is easy and you don’t need any previous experience with the real estate industry, formal training, or loaded bank account. The Nick Vertucci Real Estate Academy is one of the most in demand education programs out there.

How did this successful real estate mogul achieve such success? Hard work, persistence, time, effort, and he had a strong desire to take care of his family. Nick Vertucci understands what it means to have had struggled in life. Vertucci lived in his van for several years at the ago of 18. It was rough for him, calling it the lowest part of his life. Well, things did not stay that way forever because he launched a computer business. He sold computer parts but it did not last forever. In 2000 the dot com crash destroyed his business leaving him and his family in financial ruins. Massive debt soon followed for a year and a half. He lost everything except his home. A friend of his convinced him to go to a real estate seminar as his guest. Vertucci was unsure about it, but his friend said it would be worth it. After going Nick knew that it would get him out of debt and into financial security. He kept learning about real estate and worked hard to achieve wealth, and he succeeded. He is now a millionaire and does not have to struggle anymore. Now Mr. Vertucci is helping thousands achieve the same goal of financial wellness.

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Practical Uses Of Technology

Recent news on the robot dubbed K9 brings up questions on the practicality of some of the uses of robots we are seeing. This particular robot has been used to patrol the area around the San Francisco offices of the SPCA. The main selling point the SPCA uses when asked why it is replacing human security guards, is the cost. It costs roughly 60% less to utilize the robot than a human. Reports of vandalism, break-ins and other small crimes to the SPCA drops when using the robot, but they also drop when using a human as well. From that, we get the explanation that a human cannot report such crimes in as timely a fashion as a robot can.

This has all come about because the area of town in question is rife with homelessness. This is the main reason for security and every company in existence looks for ways to decrease their overhead costs. In this day and age, security is considered overhead, and robots can be made just for that function. But if the main reason stated for using a robot vs. a human is that it can relay pertinent information faster, two questions need to be answered.

One, how does the quicker relay of information ultimately deter individuals from committing crimes?

And secondly, if the deterrent is realized, does that justify the 60% savings?

More math would be needed to calculate that one, but chances are the answer would be no. Robots cannot stop a crime from happening, whereas a human can. In addition, it is more cost effective to stop a crime than spend money fixing the result of that crime. We all know that technology is ever-advancing and it will play a larger part in our society whether we like it or not. We just need to keep in mind that practicality should always trump using technology simply for the sake of it.

Google Chrome Ad Wars

One of the most frustrating things about surfing online and visiting various sites is the number of popup ads and other ads that pop up out of the blue and make visiting certain websites a very frustrating and annoying experience. Over the last few years, the experiences with pop up ads and other types of ads has escalated to a frightening point. Enter Google to the rescue. Google recently announced that Google Chrome will stop showing certain annoying ads, even the one’s that were produced or served by Google. Only time will tell if this is true.

The Date Is Set
For a long time, Google was kind of sketchy about the date that the Google Chrome Ad-Blocker would go into effect. However, they recently revealed that the date is set for February 15, 2018. The real deal is that Google is going to remotely transform Chrome Browsers into automatic ad blocking machines for their users. However, the word is that this is a function that will only be available to a select few users.

Banned Ads
Those that have been on the Internet for a decade or longer, probably remember the early ads that seriously interfered with browsing a website. Flashing banner ads would pop up along with irritating sounds and full page ads that would not go away, unless the visitor clicked on the ad. The Better Ads Program changed that through the development of a set of standards that must be followed by those producing or distributing ads online. Now, Google is stepping up the game too. Google Chrome will remove all ads that violate The Better Ads Program Standards. This is something to watch. Pulling ads will certainly diminish ad profits for violators.

A Better Ad Blocker
Google’s Chrome Ad Blocker is thought to be a better ad blocker. It is thought that other third party ad blockers block all ads, even those that are not violating ad rules and regulations. The Google Chrome Ad Blocker is able to differentiate between violators and non-violators.

Device Addiction Explored

With more studies coming out about how much we use our devices, the subject of device addiction is bound to come up. These studies cover all ranges of ages and geographical locations. They paint a fairly clear picture of who uses what, and how much. These numbers, how much time is spent on a device, seem to go up almost every year. So, to combat these high numbers, app companies are starting to devise ways and ideas of cutting down usage time on cell phones, tablets, etc. Especially among the younger users. Everyone seems to be on board with the idea that getting used to spending hours on end on a cell phone, is not a good idea.

This is how people become addicted to their devices and probably not even realize it. Similar to the boiling frog analogy, we wake up one day and realize that we cannot go about our daily routines without checking our phones every minute. One such solution is one that begins at home, yet is dependent on technology taking the step to make it possible. That is, creating a home network designed to curtail usage time, app usage and data limits. This would give the administrator more leeway into what their children do than what is currently available.

Another idea is to make the next generation of phones to where default social apps are not displayed on the home screen, as is currently the case. These apps are the main culprits in making people use their phones much more than is necessary. This would discourage the youngest of users from using those apps so quickly if have they to dig through their phones to find the apps. Ideas such as these are designed to get the new users not as dependent on their phones when they first start using them. It gets them into good usage habits, such as not spending nearly as much time on them as they do now.