RECAP Bob Reina’s Article “Surval of The Fittest in a Society of Quitters”

Bob Reina was just a regular guy who got fed up with his day to day life as a policemen. He felt limited by his paycheck regardless of the time and effort he put in. This lead him to quit his job to pursue something greater. Like most new entrepreneurs he found it difficult and it wasn’t until 2004 that Talk Fusion became a reality. Reina credits the profitability to his company as he put it, “we created the RIGHT product at the RIGHT time.” Something may new business hopes for.

In Reina’s article, “Survival of The Fittest in a Society of Quitters,” he begins to talk about how in this day and age, we seemed to have evolved into a species of quitters. That our youth’s failure to commit to a schedule and proneness to procrastination is distancing us from aspiration. Reina compared this to the higher number of divorces each year, that as the going gets tough, the quitters get to quitting. The blame for this is our new found desire for instant gratification. That if we don’t see the results we want right away, or have to sacrifice a little bit of our personal time, we choose to find a way out, rather than finding a way through.

Reina continues to talk about new entrepreneurs failure to accept failure as the reason they fail. They commit so much at the start putting in, 7-10 hour days to get their business to where they want it to be. When it’s turned down, they cut those hours in half, or to none at all. Failure to commit to your business, is a business that won’t succeed. Reina says, “you give less and so you get less,” he’s saying don’t expect the reward without the effort.

The article finishes with him talking about staying on track and not giving up. If you want to be the one who stands out from the rest, the elite, you can’t stop being the person you used to be. You can’t stop being the person everyone counts on, you can’t stop trying, and you can’t revert back to your normal life. This guilty pleasure of billions is also their downfall. Reina finishes the article by saying, “You weren’t bred to be a quitter or raised to be a failure; you’re stronger and better equipped to thrive than you think.” Learn more:

David Giertz Gives Sound Social Security Advice

When you are looking to prepare for the future, simply saving money in a savings account likely will not get you to your financial goals. Instead, you will need to invest in the stock market and also take advantage of other retirement solutions. It would also be a good idea to work with a professional that is experienced with helping people prepare for retirement. One individual that has continued to provide sound advice to customers for years is David Giertz. David Giertz works for Nationwide Investment Services at operates out of the Columbus, OH office.

While David Giertz has typically provided advice directly to customers, he also recently provided advice to financial advisors to ensure they are giving their customers the best service possible. Most recently, he provided advice to financial advisors to focus on Social Security and how people could maximize the benefit. He stated that while Social Security may seem like a very straightforward and easy process to a professional, it is actually very confusing too many people approaching retirement and there are a lot of different misconceptions about the program that could end up being very costly for people who are about to receive the benefit.

One of the biggest misconceptions about social security benefits is that people believe they should start taking it as soon as possible. Those that are retired are able to qualify for Social Security as soon as he turned 62 years old. However, many people do not realize that they will end up hurting much more on a monthly basis if they wait a few years. Simply simply waiting until they are 67 years old, which is considered the full retirement age, would result in a much higher monthly paycheck. Those that wait until they are 72 could end up earning up to 50% more than someone who took the benefit when they were 62.