Browse Month: December 2017

Lip Balm Crystal Line Exceeds Cosmetic Industry

There are thousands of ways to nourish your lips with a complete vegan product. Do you have very sensitive skin that reacts negatively to most cosmetics? Experience the new wax-free Crystal EOS with no sticky or chalky buildup. Pamper your skin with an all-natural lip balm with a completely hypoallergenic base. Best of all, glow-up with reasonably priced products under $5 with dual pack offers on their website and on the beauty care aisle of your favorite retailer, buy here at Their new lip balm makes a great gift for any occasion and a wonderful very inexpensive yet, useful stocking stuffer.

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Canadian residents say, EOS lip balm products are popular for their irresistible flavors and rich scent. They were one of the first lip balms to bring forth an aromatherapy lip balm. You can retain your youthful skin and get superior protection against UV rays or other dangerous extreme or prolonged exposure to serious weather conditions, click here. Protect your skin against Northern territory with arctic temperatures. More women are opting for organic beauty care products and EOS products are perfect fir the job. Their unique line also offers shaving cream, hand, and body lotion. Join the new Crystal lip balm brand today.

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David Giertz Shares Advice For Millennials To Stay On Track For Retirement Savings

David Giertz is an Ohio based financial planner with over 30 years of progressive financial industry experience. He is a Certified Business Coach with WABC, and was most recently the President of Nationwide Financial’s sales and distribution organization where he grew it from $11B to $17.8B in profitable revenue. David Giertz also holds an MBA from the University of Miami and a BS from Millikin University.

With all of this expertise in tow, he has a few pieces of advice for millennials that can help them to more effectively plan for their retirement.

The first thing that David Giertz suggests to millennials is to continually analyze and evaluate their financial health. Millennials do need to be focused on saving enough for retirement like the rest of us, but they also need to be making big strides in paying off debt. Many millennials are saddled with large amounts of student debt, which can lead to getting into credit card debt. Saving for retirement is great, but if you owe thousands of dollars to creditors, it is almost a wash. Focus on getting out of debt and then double down on saving your money.

Another piece of advice that Giertz has for millennials is to take advantage of compound interest as best you can. While many employers offer a 401K, a Roth IRA can be an even better tool because your money is taxed before it is deposited. This allows it to be accessed tax free upon retirement. When taking advantage of compound interest, the general rule applies just like it does with saving in that the earlier you start, the bigger the nest egg you can build over time.

Lastly, finding additional streams of income is vital to your long term success. A “side gig” can not only add to your retirement savings and help it to grow even quicker, but it can also help stave off getting into further debt should you ever find yourself in between employers. Normally a side gig like selling artwork wont necessarily replace your full time employment wages, but it can do wonders for your long term success, and if it is something that you love doing, then you can carry that income stream right into retirement with you and not feel like you are working for the money.