Investment Genius Rethinks Retirement Strategies

Capital Group’s Timothy Armour believes that Warren Buffet is wrong. Buffet bet one million dollars (for charity) that he’d receive larger returns than hedge fund managers through investing in an S&P 500 passive index fund. Buffet may win, because investors are shortchanged by costly funds.

Tim Armour disagrees with Buffet in that he believes investments aren’t about passive or active funds, but about returns investors receive long-term, and that the idea that passive index returns are safest for retirement must be re-examined.

Even if some actively managed funds have performed poorly—several have done the opposite. Anyone who put $10,000 40 years ago in the S&P index fund would have more than $500,000 today; however, if he put in high-performing funds, he would’ve made even more.

Two hallmarks of excellent hedge fund managers: high manager ownership and low expenses. Look for managers who regularly outdo benchmark indexes on average. With many Baby Boomers retiring—it’s high time that better investment steps are brought to the table.

Tim Armour named Chairman of Capital Group on July 28, 2015, Armour is also Capital Group’s CEO; and chairman/principal executive officer of Capital Research and Management Company, Inc. Graduating from Middlebury College with a degree in economics, he’s had 34 years of experience in this industry.

Armour played a key role in the partnership between Samsung Asset Management and Capital Group, which aims to develop asset allocation products and solutions for retirement. Armour said,
“The broader plan is to co-design investment solutions to fulfill the savings, retirement and insurance-linked needs of Korean investors.”

On the market sell-off in September 2015, Armour said, “We’ve had a six year bull run in the U.S. and rising markets in most other parts of the world.” He foresees China’s transformation into an open economy led by consumers.

Wen By Chaz: It Can Work On Any Hair

When someone is creating a product, they have to remember they are making a product for a group of people, a wide ranging group of people. This is not just a product for one person or one group of people. If someone is going to run their business that way, they will never get ahead and they will never stay ahead. They will always be stuck in the same position. They will only have one market. Chaz Dean cares about everyone’s hair and all of the needs of all of his customers. That is why he creates something for everyone, so no one feels left out.

The last thing he wants is for someone to try out a product, and they walk away from it unhappy or not feeling like it was the right fit for them. That is why Wen by Chaz, his latest product, is different. That is proven in this wonderful review by Emily McClure of She is highly respected in the online hair care community. If there is a Sephora product out there, she has tried it, used it, and given her honest thoughts on it. She cannot and will not be bought off by anyone. She is a straight shooter and people respect that about her.

They know when they read a review from her, she is going to tell it like it is. She did that with her review of Wen by Chaz. She also wrote about it for seven days. When it comes to hair care products, it is not the type of thing that someone can just do without even thinking about it. They have to really give it seven days to see the full effect and the full results. The results are in for Wen by Chaz, and they are extremely positive. It gave her fine hair bounce, shine, and confidence, which is a bonus!

To order Wen, visit or go to

End Citizens United PAC Showing Surprising Support Among Thousand of Voters

A group that is trying to get money out of U.S. politics is successfully raising millions of dollars for a political action committee that wants to get money out of politics.


The End Citizens United PAC was formed in March of 2015 and quickly began to attract tens of thousands of donors who contribute very small amounts of cash. To date, the average donation is just $12 per person. At this rate, however, End Citizens United is projecting to bring in a record $35 million in 2017 alone. It raised $25 million in 2016.


The goal of End Citizens United is the same as its name – to overturn and get rid of a 2010 Supreme Court Decision which allowed the formation of something called Super PACs – entities that can raise unlimited amounts of cash from wealthy people and large corporations, and use that cash to support political candidates.


The result of the Citizens United Supreme Court Decision has resulted in the “buying and selling” of political offices in the United States, critics say. It means that only the wealthiest individuals and corporations have true political power now because they can “buy” any candidate they want.


This leaves the average voter – especially poor and middle class citizens – with little or no say in who will represent them in Washington.


Dumping the 2010 Supreme Court ruling was a major feature of the insurgent campaign of Vermont Senator Bernie Sanders in the 2016 election cycle. Candidate Hillary Clinton also supporting getting rid of Citizens United, although critics say she benefited greatly from using it to raise millions for her own campaign. Most Republican candidates favor keeping the Supreme Court ruling as it is.


Whatever the case, the strong performance of End Citizen United heading into the 2018 midterm elections is getting a lot of attention among political observers. If the group meets its projected $35 million haul, the money will be spent heavily to support mostly Democratic candidates for House and Senate seats. Large troves of cash will also certainly be spent on negative attack ads against Republican candidates.


The End Citizens United PAC has attracted 100,000 donors so far in 2017 – and 40,000 of those gave for the first time, indicating powerful momentum for the movement.


It remains to be seen how large of a role End Citizens United PAC money will play in the midterm elections, but a primary goal is to flip the House of Representatives from Republican to Democratic control.


If that happens, End Citizens United will have made a gigantic step forward toward achieving its ultimate goal of getting big money out of politics.


Why Is Ordering Online From The US Money Reserve Helpful?

The US Money Reserve allows for online ordering on their new e-commerce site, and they have provided a number of different coins that are available for purchase. The company has created many new coins for release every year, and they allow their customers a number of different purchase options.

They may receive their coins in the mail, and they will find the coins are far easier to shop when they see them all online. This article explains how the US Money Reserve is promoting gold coin ownership through their catalog.

#1: The Catalog Is Quite Large

The catalog at the US Money Reserve is large enough to allow for a number of different coins, and they have several categories of coins that will be interesting to their customers.

Customers who are looking through the catalog will see many coins they may wish to add to their collections, and they may begin collecting in a way that is quite different from the average investor.

#2: Trading Coins

Collectors may trade coins they have purchased, and they will add to their collections in a way that the believe has the most implicit value. They may trade coins with other collectors at shows they attend, or they may trade coins when visiting each other’s homes.

The coin trading business is quite massive, and someone who has committed to trading coins will find they discover value when they are searching for new coins. Learn more about US Money Reserve:

#3: When To Sell

Knowing when to sell the coins is quite important as each of them has their own value that peaks at a particular time. A coin that is seen to have a unique or special design may sell for a higher price than another, and the two coins may not peak at th same time.

There are quite a few collectors who must be careful with the coins they buy and sell because they cannot save their money unless they are selling at the exact moment that is most beneficial to them.

According to Crunchbase, everyone who wishes to invest in a simple item may order gold coins from the US Money Reserve website. They will find the site to be quite easy to use, and they may place orders that are fulfilled in moments. All coins are shipped safely to the customer, and they may sell them in the future when they believe the price has risen to its highest possible level.

A Look at why Non-Jewish Celebrities Have Embraced Kabbalah

Madonna is likely the most well-known celebrity who has embraced Kabbalah and is not Jewish. There are plenty of other celebrities who have done the same including Marilyn Monroe, Sammy Davis, Paris Hilton, and Britney Spears. The question has arisen as to why these celebrities are so fascinated by Kabbalah and what they get out of it.

Many are attracted to Kabbalah as a way to help deal with personal problems. Among these is Paris Hilton where she said that after a difficult break-up she started regularly attending a Kabbalah center as it gives her the tools she needs to manage her life. The same thing happened to Sandra Bernhard and she has credited Kabbalah with eliminating 80% of the chaos in her life.

Other celebrities, like Sammy Davis, found in Kabbalah something that is bigger than themselves. He wanted to be a part of its 5,000-year history and culture. He even converted to Judaism because he said it filled in his lack of honesty and peace that he couldn’t find on his own. Madonna remarked in 2006 that Kabbalah teaches their students that we are all put her on Earth in order to help others. She went on to say that it helps figure out the ways that you can help others in your everyday life.

The Kabbalah Centre International was founded in Los Angeles, California, as a nonprofit organization. It now lies at the center of a network of Kabbalah centers that are located around the world such as in New York, London, Los Angeles, and Toronto. Altogether there are over 50 branches of the Kabbalah Centre International.

The Kabbalah Centre teaches students about Kabbalah and the Zohar in teachings that can be accessed online and in person at one of the centers. The center also teaches that Kabbalah is not a religion in itself and is a supplement to one. The Kabbalah Centre says that all widely held religious and spiritual beliefs are all part of an overarching universal wisdom.

Philanthropy Initiatives Of Tony Petrello To Discover Treatments For Neurological Diseases

Philanthropist and executive leader, Tony Petrello has devoted his life to financially support the Jan and Dan Duncan Neurological Research Institute (NRI). He became a devoted supporter after his daughter Carena was diagnosed with PVL (periventricular leukomalacia) after her birth.

Tony and his wife Cynthia Petrello have donated millions of dollars to Texas Children’s Hospital in hope of finding effective treatments. Texas Children’s Hospital is the only medical institution in the United States to focus on research studying the brain of children. The most recent charitable giving the Petrello family pledged was to NRI, a research institute affiliated with Texas Children’s.

Read more on Behance.

Tony Petrello and the family pledged $7 million to the Jan and Dan Duncan NRI, donating $5 million in cash at the time. He and Cynthia relied on the medical services of Texas Children’s Hospital to care for Carena who also has developmental problems. The Neurological Research Institute opened in 2010, making it the seventh year studying pathogenesis of neurological disease in children and developing treatments. In 2007, the Petrello and Duncan families donated $50 million, collectively, to work on the formation and opening of the Jan and Dan Duncan Neurological Research Institute.

Tony Petrello presently is a member of the Board of Trustees at Texas Children’s Hospital, and serves as Director. NRI is the first research center to open in the U.S. devoted to discovering treatments for childhood neurological diseases. Mr. Petrello serves as Chief Executive Officer and President of Nabors Industries Ltd, an American oil and gas fleet rigs and drilling company. He also serves as Chairman on the Board of Directors and oversees the company’s overall operations. His expertise in the oil and gas industry includes operational functions, executive leadership, and strategic planning.

Learn more about Tony Petrello:

Restore Your Hair With Wen By Chaz Hair Care Products

Your hair deserves superior coverage that will protect your locks against heat damage, styling tools, and the elements. You can now get a unique blend of eleven essential amino acids, vitamin C, and E with WEN by Chaz products created by Chaz Dean. Dean is committed to stronger longer hair for thousands of women and men around the world. His hair care products remove excess dirt and give your hair resilience. Give your hair the treatment and protection that is chosen by top hair care professionals. Beautiful hair is a bottle away, reasonably priced at under $40 for each product.

Why Wen By Chaz Cleansing Conditioner Is Becoming Popular?

There is an amazing cleansing conditioner by Wen by Chaz that digs deep within the hair follicles to allow your hair to breathe. One online Bustle reader decided that she would use it in conjunction with their shampoo products and she was impressed with the results. She stated on her Twitter post that she had fine hair and had been looking for a product that was compatible with her hair type for a long time. Her college budget requires her to purchase reasonably priced products and Wen by Chaz was a great choice.

The young lady noticed far less breakage and split ends after a week of using their products. She was also impressed with the amazing scent that heightened her senses after a long day of classes. She now recommends Wen by Chaz to the Bustle online readers as a reliable hair care solution for fine or thinning hair.

Wen By Chaz Products:

– Aromatherapy

– Styling tools

– Styling mousse

– All-in-one hair care solution

– 5 day hair care treatment

and more…

You’re invited to try their hair care products by visiting the exclusive website, Chaz Dean store ( or visiting the beauty care aisle of select retailers today.



Seen the New Wireless Containment Solution by Securus?

Securus Technologies is one of the leading criminal and civil justice technology providers in the country. They are based in Dallas and their main aim is to enhance the safety of the public by modernizing the security experience. There are currently many law enforcements, public safety, and correctional agencies that hugely rely on Securus’ for powerful, simple, and secure technology solutions. The technology solutions offered are up-to-date, easy to use, and always accessible.


With a team of dedicated and certified technologists, engineers, designers and innovators, the technology at Securus is the second to none. The company is motivated to stay at the top in the industry by constantly improving their designs and customer services as well as coming up with more innovative ideas.


Early February of this year, the company announced the activation of the Wireless Containment Solution. This technology is designed to prevent illegal cellular networks from reaching a protected network. The technology can also collect electronic data of these mobile devices and take the necessary measures. This is a very creative and concrete way of preventing criminal activities in places such as prisons and banks.


The Wireless Containment Solution has features that can be customizable to a particular entity. This technology was created after a lot of cases were reported on use of mobile devices in prisons across the country. The illegal mobile phones were viewed as a threat to the rest of the society because detainees could easily conduct criminal activities from their prison cells. Hence the new containment solution is an effective way to ensure law and order both inside and outside the prison walls.


If you are looking for very best technology security solutions, look no further, contact Securus Technologies. The company is always available to offer a helping hand.




EOS Lip Balm Beats Chapstick

There are many Lip Balms you may see on the market today. There are so many that you may not know what the differences are. Chapstick has been around for such a long time you might think it’s the best. but EOS lip balm  might change your mind.

Healing Lips

Chapstick has been around for a very long time. They have been used for a lot of uses with the lips, but they don’t heal the lips like you might like. Chapstick doesn’t have the same things in it that others do. It’s more of a waxy chapstick and while it can help keep the lips from getting chapped, but does little to heal it after it’s chapped.

EOS Lip Balm is different because it has Shea Butter in it. This helps to not just keep the lips from getting chapped, but it also helps to heal the lips. The Shea Butter is the big thing in the lip balm that helps with the way your skin feels on your lips.

Keeping Lips Soft

Chapstick is a good option for keeping the lips soft because it does help keep the moisture in the lips. You will need to reapply the lip balm more than once a day in order to keep the lips feeling good, but it can help.

EOS Lip Balm is great at keeping the moisture in the skin from the start. That is another part of the Shea Butter that helps the lips. You shouldn’t have to reapply more than a couple of times a day so that makes it easier to use as well.

There are a lot of options when it comes to lip balm, but getting the right one will stay with you for a long time. It can mean your lips heal and feel better or that you are fighting with your chapped skin for a long time. Check out the EOS products on Ulta, Walmart or Target.

Embrace the Razor Cut with Donald Scott NYC

Straight razors are climbing in popularity for both men and women’s hair-cuts. While the initial thought of having your hair cut with a razor can be intimidating, it comes with numerous benefits. Razor cuts can be a blessing for people with long, straight hair, but can be used on virtually any hair type. Using a razor gives the hair movement and texture in otherwise plain and flat hair. A razor cut can also create smooth layers or be used to achieve a bolder look.



Donald Scott NYC hair cutting products are built around straight razor cutting. The Donald Scott NYC cutting comb allows for thinning and texturizing while the razor provides 100 percent carve. Donald Scott NYC also has a ‘prepare liquid tool guide’ to work alongside the carving comb to provide superior slip and protection.

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