Tim Armour, the chairman and chief executive officer of the Capital Group, suggests that world-renowned investor Warren Buffett is wrong in the notion that the returns from passive index funds are the safest bet to a secure retirement. Mr. Armour challenges the idea by stating that index funds provide no cushion during down markets. He argues that markets can and do turn, and investors must do better than the crowd during bad times and bad markets.
Mr. Armour says that finding the mutual funds that will outperform index funds comes down to two key categories: Finding fund managers that put their own money in their funds and finding funds with low expenses. He also speculates that passive index investments are just as prone to volatility risks as mutual funds with consistent mediocre returns. Mr. Armour argues against Warren Buffett’s point that passive index funds provide more transparency than active funds. Mr. Armour states that the argument should not be about “active investing versus passive investing,” proclaiming that argument serves little to no purpose for the average investor.
Tim Armour is the chairman and CEO of the Capital Group. Mr. Armour was named chairman in July of 2015, and he has spent his entire investing career with the Capital Group. Based out of Los Angeles, Mr. Armour holds a bachelor’s degree in economics and his experience includes working as an equity investment analyst and covering global telecommunications.
The Capital Group has over 7,600 associates and has established itself as one of the preeminent investment management firms during its 84-year history.
Find more details about Timothy Armour: http://citywireselector.com/manager/timothy-d-armour/d24059
WEN hair is an outstanding product and that is not overstating things or looking to be over the top. The proof, as they say, is in the pudding. It gets the job done each and every single time, and people are very, very happy with it. It is the work of Chaz Dean, a person that people have come to rely on for their hair-care needs. They know he is an individual that really takes his craft seriously. He treats it as a craft because that is what it means to him. He wants people to know their money is well spent.
With Wen by Chaz, they are getting a product that is all-in-one in terms of it can be a shampoo, conditioner, or styling treatment. It is not every day those products like that fall into the laps of the consumer, but then again, people like Chaz Dean do not just grow on trees. They have reached the status they have achieved the old fashioned way. They never become content or comfortable with their status. They know that there is always work that needs to be done and improvements to the products that can be made.
That is why this review by Emily McClure of Bustle.com only proves that point even further, https://www.bustle.com/articles/136320-i-used-cleansing-cleansing-conditioner-on-my-fine-hair-heres-what-happened. It shows a thoughtful review/blogger that takes their craft seriously as well. They know that people are counting on her and they are going to buy this product based off what she has to say and if she likes it or not. She has a reputation to uphold as well, and she wants to deliver for her readers each and every time. She does with this latest review of the QVC advertised brand, which talks about the product over a seven day period and it includes pictures and her personal thoughts as well.
Get WEN here: http://www.sephora.com/healthy-hair-care-kit-P374589
Planning a party and not stressing out is nearly impossible. Getting all the details hashed out and coordinating with people can make you want to pull out your hair. There is an easy steps you can make along the way to make the process much easier. Here are some tips that can be a life saver.
Start out with a list of what to do. In other words get organized. This is like laying your foundation for success. It also helps when you can cross off stuff that you have accomplished, takes some of the stress off. Let your guests know you are having a party by sending out invites. This will be a good reminder of fun to come. Send them home with a fun and personal party favor. Let them know you appreciated them coming.
Keep the stress levels down by keeping appetizers and the food simple. Don’t stress yourself out trying to make the most complicated recipe ever. Simple is also tasty, just use quality products. In that line of thought, also keep the decorations and table setting simple too. People are going to pay more attention to each other, not the decor. You can also set up a simple kids table so they can stay occupied while the adults can relax. You can throw some butcher paper down, along it some colorful crayons. They can draw their little hearts out. Speaking of adults, make it easy by offering a self-serve bar. They all can get what they want, when they want it.
Just remember most importantly whatever happens, stay calm. You are the host/hostess and you are steering the car. Keep your energy light and happy, your guests will follow.
Twenty Three Layers is a full-service design firm and event planning company that has an array of services that will surpass any client’s wildest dreams. Their creative and stylish touch make an party or event unforgettable.
Twenty Three Layers services include catering, flower design, and workshop. Providing all of these services make it possible for Twenty Three Layers to cater to a variety of people and companies. No request is too big or too little.
With the changing business environment, companies have been forced to enhance the quality of employees that they employ. This is because employees determine the quality of services a company can offer. With loads of corporations fighting for the same customers, customer care and quality services remain as every company’s top priority. Factors such as technology and funding are also crucial in determining the success of a business. Finding talented employees is also becoming a herculean task. To this end, companies have been enlisting the services of renowned recruitment experts such as Julie Zuckerberg. The visionary leader is the executive talent acquisition lead of the Deutsche Bank. The manager’s experience in the field has enabled her to develop imperative skills and master the sophisticated art of talent acquisition. In New York City, Julie Zuckerberg is considered one of the most efficient recruitment and human resource specialists. She has worked in the recruitment field for over 15 years. Over the years, she has been able to transform many companies through leading the process of hiring their top executives. The recruitment manager also boasts of an excellent educational background. She is a graduate of the City University of New York and The New York Law School.
Julie started her talent acquisition career in 2002 when she worked as Hudson’s director of candidate placement. Here, she worked directly with the company’s clients. Her services to the firm included facilitating the recruitment of case managers, paralegals, attorneys, and support staff. Mostly, Julie worked with financial institutions and law firms. In 2007, the recruitment expert left Hudson and joined Citi Global Functions. As the executive recruiter of the firm, she managed to handle the cutthroat corporate world competition. The new position also provided her with the chance to learn new skills and test her expertise in the field. After four years, she moved to Citi Global Bank where she also served as an executive recruiter. She was heavily involved in the recruitment of senior level executives at the corporation. Her responsibilities were also more complex. Julie’s hard work and commitment resulted in her promotion to serve as the vice president & executive recruiter of Citi. This information was originally published on Mast Heading website.
Having spent his early years recruiting talented employees for different organizations, Julie was curious to try her hand a new field. Zuckerberg joined New York Life Insurance Company where she served as an experienced hire recruiting lead and corporate vice president. She worked for the firm between 2013 and 2014. In this short period, she was responsible for hiring senior level managers. Presently, Julie Zuckerberg works for the Deutsche Bank as the vice president and executive recruiter. Apart from providing leadership in the recruitment process of top talented employees, Julie also oversees various functions such as asset management, wealth & commercial clients, private, and GTO recruitment issues. Julie uses a unique approach to recruitment. She prefers working with senior managers from the beginning to the end of the recruitment process. This approach helps her to recruit talented employees who satisfy the needs of the company and its clients.