Timothy Armour Says the Warren Buffett’s Investment Strategy can Go Wrong

Timothy Armour, the Chairman and CEO of Capital Group, says that Warren Buffet’s decision to invest in S&P 500 passive index fund can go wrong during the market down times. However, Armour agrees that this year, the index may add returns to Buffet considering the current financial conditions. Timothy Armour further says that considering there are many expensive and mediocre funds available in the market, it is good to go for simple and low-cost investments in the form of passive funds. Across the industries, there is a discussion going on regarding passive funds vs. active funds to choose which is more useful. Many active funds are giving only low or mediocre returns to the investors. While coming to passive funds, its opportunity costs and volatility risks are underestimated by the people and more information click here.

Armour bats for providing good long-term returns at low cost irrespective of the fact that whether it is passive or active. While there is a general conception that passive index funds and its returns are a safer path for a better retirement, Timothy states that there is no cushion for those funds against down markets. Interestingly, a survey showed that more than half of the investors in such funds are unaware of the fact that the funds expose 100 percent volatility and losses during the down times of market. Timothy says that the best solution is finding exceptional active fund managers and invest in their funds. With two filters people can identify their choice: managers with low expenses and a high ownership would deliver better results and Tim’s lacrosse camp.

Timothy Armour has more than 34 years of experience in investment management, and he continued all his career with Capital Group. He joined the investment firm in 1983 through its Associates Program and grew in the organization with deep investment analysis and long-term strategies. Apart from leading the firm, Timothy is also a Portfolio Manager of it.

Armour became the Chairman of the firm in July 2015, after the sudden demise of the then Chairman, Jim Rothenberg. He is a strong advocate of transparency inside the company and has driven many initiatives. Earlier, Armour completed his graduation in Economics from Middlebury College and learn more about Timothy.

More Visit: https://www.americanfunds.com/individual/news/senior-management-changes.html

How the Swiss Startup Factory and Mike Baur are Accelerating Tech

Many great ideas never see it past the theory phase, and even more early-stage startups fail due to a lack of direction, running out of funds, or not having the network that they need. Through his work at the Swiss Startup Factory, Baur is helping young Swiss companies that are in the early stages of inception to navigate these challenges successfully. Mike Baur is no stranger to the Swiss business world, as he was an investment banker for 20 years. Now, through his work with the startup accelerator, he is helping entrepreneurs be successful in a much less stodgy industry.


The Swiss Startup Factory works with early-stage startups for three very intensive months. It is during this time that they receive mentorship from the leadership team of the accelerator. SSF also makes sure that all of the basics are covered, such as office space and administrative services. Baur, as Cofounder and Executive Chairman, handles the fundraising and financing rounds for the accelerator. The accelerator also provides access to a vast financial and entrepreneurial network that will serve them both during their time at the accelerator as well as into the future. The networking opportunity is incredibly impactful on the future of the early-stage startups as it can put them into contact with financial and business partners.


Mike Baur began his professional career as an investment banker. He has worked at the giant financial institution, UBS and was also a member of the Executive Board for a Private Swiss Investment Bank. The idea for the startup accelerator struck in 2014 and Baur, along with two partners founded the Swiss Startup Factory. The early-stage accelerator is part of his ongoing passion for the tech industry and for the next wave of entrepreneurs. In addition to his work with the Swiss Startup Factory Baur is also a co-founder of the Swiss Startup Association where he currently maintains a directorship.


It will be interesting to see what challenges Baur takes on next. His belief in the abilities of the young Swiss entrepreneurs continues to spur his drive and creativity. With his work in the tech and startup industries, Baur keeps himself very busy and in spite of this fact, he is always open to help others as much as he can. Baur remains at the forefront of the Swiss tech industry and is thrilled with all of the progress that the Swiss entrepreneurs make.



Aloha Construction: the Significant Cornerstone in the Industry

Who minds when success comes knocking their way? None applicable in an ideal situation. Aloha Construction Company is a privately owned company family based to be precise operating in Illinois and Southern Wisconsin. The company is exploiting opportunities in Northern Illinois which they strongly believe will pave the way for other siding contractors and roofers. The expectation matches up with the successful combat of the strong hurricanes, storms and hails.


Aloha Construction, Inc’s President, and Chief Executive Officer, David A. Farbaky is elated about the 7000 complete projects in Illinois in 2013. He comes with a promise of improving their services from 2015 onwards from their focal office in Bloomington. To foster growth and expansion, he is pursuing an interior restoration service at Aloha Construction Builds Network’s new branch to be based in Lake Zurich. Through the project, the Midwest homeowners will enjoy durable and remodeled bathrooms, kitchens, basement, natural disaster aid and a closer look at the interiors.


Although home remodeling services have been for long delivered to customers since 2008, the company feel it’s time to set apart a unit in the field work for the same course. The move will increase the number of projects that can be completed within a fixed time frame. This will assure customers of their safety and quality services.


About Aloha Construction Inc

Aloha Construction Inc is a general contractor on the Olympus Avenue Berkeley CA 94708. It is legally registered and licensed to offer construction services in and around Illinois and Southern Wisconsin. The company operates under a ten years craftsmanship warranty for cover any defects traced back to the contractor. Similarly, the company has been insured against possible perils and hazards.


The Aloha deals with Attic remodeling, installation of countertops, basement, bathtubs, windows, doors among other accessories, cleaning services, cedar siding among others. It also does general construction work working from scratch and also does repair and maintenance. The company boasts of about 18,000 completed projects in its two areas of operation. Just recently the company developed its website that gives clients a personal touch and allows for contact.



Nathaniel Ru Speaks on the Future of Sweetgreen

Sweetgreen is a model high-end salad chain. It’s affiliated with successful business owners, including Daniel Boulud, Danny Meyer and Steve Case. The company focuses on offering fresh, organic food to its customers. It operates in 40 different locations. Sweetgreen’s co-CEOs are Jonathan Neman, Nathaniel Ru and Nicholas Jammet. In an interview with Fortune, Nathaniel said that the company intends to build a meaning brand. Moreover, they want to serve better food to more consumers.



Ru also spoke about the role of tech in their business. He explained that they have relied on technology throughout their entrepreneurial journey. Sweetgreen has a website and mobile application. It makes a third of its transactions through these web platforms. Together with two of the company’s co-CEOs, Nathaniel Ru is thinking about ways of improving management. Sweetgreen values its customers, so the workers spend most of their time in the restaurants. This allows them to get close to the customers and understand what they need. Learn more: https://en.wikipedia.org/wiki/Sweetgreen



The trio started the company after realizing that there was a gap in the food industry that needed to be filled. They established their first restaurant after graduating from Georgetown University. Recently, they opened offices in LA. The food company doesn’t have a central office as Nathaniel Ru and his fellow CEOs intend to decentralize their business. He told Fortune that they don’t believe in big headquarters.



To conclude the interview, the interviewer asked Nathaniel about the hardest part of managing a business. He said that it took a lot of hard work to make Sweetgreen a successful food company. Nonetheless, the work can be overwhelming sometimes. So, it’s important to build a strong team as early as possible. Learn more: https://www.crunchbase.com/person/nathaniel-ru



About Nathaniel Ru



Nathaniel Ru is a young and charismatic entrepreneur. He’s one of Sweetgreen’s co-founders and co-CEO. He met his business partners at Georgetown University, where he was studying Finance. Mr. Ru graduated from college in 2007 with a Bachelor’s degree in Finance. After his graduation, he started Sweetgreen together with Nicholas Jammet and Jonathan Neman. His company sources its food products from local suppliers. It also embraces the idea of sustainability.



Sweetgreen’s first location was in Georgetown. Since 2007, the food chain has concentrated on expanding its boundaries. It has branches in 6 states. Nathan and his co-CEOs plan to open up more restaurants over time. They believe that everyone in the U.S. deserves to enjoy delicious and eco-friendly food. What’s more, they believe in providing healthy food that suits the budget and tastes of their customers. Learn more: http://www.businessinsider.com/sweetgreen-founder-interview-nathaniel-ru-2016-3




OSI – An Innovator In The Food Industry With A Global Flavor

OSI Group LLC is an international food processing company which produces and sells value-added protein items and other food products to foodservice and retail brands. Founded in 1909 and based in Aurora Illinois, the company has more than 60 facilities in 17 countries around the world, located in North America, Western and Eastern Europe, and the Asia-Pacific region. OSI’s products include meat patties, bacon, hot dogs, pizza, fish, pork, poultry, and vegetable and dough products.

OSI Group has been included among America’s top 100 food companies. The company earned this distinction due to its reputation as efficient, trustworthy, and its availability of custom food options which provide companies with excellent culinary expertise and global flavor knowledge. OSI has a strong commitment to sustainability and an unsurpassed level of food safety and quality assurance.

OSI Group maintains its place in the top 100 by always striving for improvement and constantly exploring innovative solutions and ideas. OSI’s commitment to developing systems, policies and procedures to improve and sustain health, safety and environmental practices, earned it a Sword of Honour and Globe of Honour from the British Safety Council for 2015. OSI was one of only seven companies globally that was successful in winning both the Sword of Honour and Globe of Honour. In order to compete for each of these awards, OSI needed to achieve the maximum five stars in both the British Safety Council’s health and safety management and environmental management audit scheme while demonstrating to an independent panels of experts that it continues to be excellent in its health, safety and environmental management throughout the business.

OSI is constantly expanding its operations. In June 2016, it purchased a 200,000 square foot facility, which was formerly operated by Tyson Foods and in August 2016, OSI acquired Baho Food, a Dutch manufacturer of convenience foods, deli meats and snacks serving the food service and retail segments. With a firm understanding that exceptional personnel is what drives the success of its company, OSI employs entrepreneurial minded people who possess passion, seek innovative solutions and share the belief that every person can make a difference.

Lacey and Larkin Keen’s Utopia that Respects People’s Rights

Although the unauthorized immigration rate to the US is somewhat lower, the rate of death among those seeking to avoid apprehension continues to rise. Migrants die as they chase their dreams across boundaries. Colibri Centre for Human Rights comes in to help families that have missing loved ones. Unidentified remains continue to pile up in massive refrigerators even as families are left in a perpetual state of worry and wonder.

At Colibri Centre, families across the border that have missing ones will volunteer forensic details which will be compared to the many dead bodies along the border morgues. Upon identification of the dead relative, the bodies are returned home for decent burial. The management and principals at Colibri assert that the centre disputes the notion that migrant lives do not count.

Refugee Rights Project: Florence Immigrant

There are thousands of immigrants detained in Arizona detention facilities. These detainees await the determination of their deportation cases. Most of these folk have no money to hire lawyers. Suffices to say that many have strong cases, but without representation they stare removal in the face.

Florence Project offers these detainees free counsel. It goes a step ahead to offer frail detainees like torture survivors, mentally ill, asylum seekers among others, social services. The project director says that the work they do is crucial as it furnishes these detainees with information they need and also connects them with the social services that they need to survive their crucible. Learn more about Jim Larkin and Michael Lacey: http://www.azcentral.com/story/news/politics/immigration/2014/12/16/proceeds-arpaio-suit-fund-asu-journalism-chair/20480479/

Coalition for Migrant Rights: Arizona

This coalition brings together local organizations to combat the social and political environment of Arizona immigrants. The anti-immigrant wave is particularly a shared concern. The organizations come together to raise refugee awareness and encourage sharing of information among states. They want to promote justice for migrants and to promote positive change.

The coalition investigates and exposes violations of human rights. The coalition also represents asylum seekers and agitates for legal changes and sound policies. The over 30 years of operation goes to show the coalition is steadfast in its determination.

Michael Lacey and Jim Larkin

When Michael Lacey and Jim Larkin were arrested by the Maricopa County sheriff, no one would have thought they would use their settlement money to fund organizations in Arizona agitating for migrant rights. These two journalists were arrested in the wee hours after they exposed grand jury proceedings that were after reporters’ notes that touched on the sheriff.

Shockingly, the subpoenas demanded for the names of citizens that had read stories online touching on the sheriff. Michael and Larkin being champions of the first amendment took the county to court. The fund: Lacey and Larkin Frontera was established after the two journalists won big in court. The fund will now support human rights advocacy groups. Indeed, it will also support groups advocating civic participation and freedom of expression.

Click the links below to read more:

Jim Larkin | Twitter
Village Voice Media | Wikepida

Securus Technologies – Offering Flawless Criminal Justice and Crime Prevention Services

Securus Technologies is a highly respected and public inmate communication and criminal justice technology companies in business today. The company has already served over 15 million customers across the nation and continues to reach more than 1.2 million inmates presently. Moreover, over 3,450 law enforcement agencies are using the products and services offered by Securus Technologies.

Securus Technologies believes that the field of inmate communications has a lot of scope and technology can help improve the sector to a great extent. It currently provides many different services to the inmates such as video services, calling cards, phone services, money transfer services, photo sharing services, video visitation, and more. It is these services that play a pivotal role in alleviating stress from the lives of the inmates, and also helps with reducing the inmate-on-inmate crime. Many of the investigative and criminal justice products and services also assist the law enforcement officials to catch the offenders quickly and convict them in the court of justice.

It is for this reason that the company published the series of comments from the letters it received from the law enforcement officials. It helped showcase to the world what the company does and how the company is contributing to modernizing the incarceration experience and keeping communities safe through the efficient use of technology. Securus Technology also invited the existing and potential customers and investors to the company’s highly advanced and modern technology center in Texas. It is where the clients and investors can get a demo and presentation of what the company plans to do in the future and what are the products and services under development currently.

I have been a law enforcement official for many years and having used some of the services offered by Securus Technologies; I am convinced they are the best in the business. The company goes an extra mile to ensure their services are flawless and advanced.

The New Direct Response Television Show by US Money Reserve

The PRNewswire on 28th September, 2016 published about the launch of a direct response television (DRTV) by US Money Reserve that is titled 2016 Gold Summit. US Money Reserve is a US company that distributes foreign and US issued platinum, gold and silver legal tender products.

The company is also among the top companies in the world that deal with precious metals. The show which will be airing for 28 minutes will be held at the 2016 Gold Summit that is in Los Angeles, California. Reknown Larry King will serve as the new show’s moderator. Apart from Larry King, the show will also have Michael Reagan who is the first son of the President Ronald Reagan.

Michael Reagan explained earlier in the program that it was his father’s belief that all American Citizens should have the right to posses gold. The show will also feature another segment where panelists from the US Money Reserve will informatively speak about the benefits of possessing US government gold. Learn more about US Money Reserve: http://finance.yahoo.com/news/u-money-ceo-angie-koch-121500601.html

They will also discuss about the current financial market volatility and how the gold’s bull market has been impacted by the recent international events.

According to Crunchbase, the panel is made up of three individuals from the US Money Reserve. They include John Rothans who works at US Money Reserve as a Master Numismatist, Philip Diehl who is the Chairman of ICTA and also US Money Reserve’s president and Brad Castillo who is the former Vice President of Sales at the US Money Reserve.

The CEO of the US Money Reserve, Angela Koch said that the new TV show is a testament of the hard work and talent of their company’s incredible production team.

She adds that it is a great honor for them to have the moderator as Larry King. She went on to say that Michael Reagan and Larry King are both legends and it is because of the long relationship that they were able to put up the show. The new show will be aired on selected media outlets,

US Money Reserve was created in 2001 and is one of the biggest distributors in the world of foreign and US issued platinum, gold and silver products.

US Money Reserve serves many clients from all over the United States and helps them diversify their assets with the use of physical precious metals. US Money Reserve feature an incredible talented team of coin researchers and numismatics. The company has its headquarters in Austin, Texas and boasts of a strong relationship with its customers.

Hussain Sajwani: A Trustworthy Name In Real Estate In UAE

Hussain Sajwani, a UAE national, is a Chairman and founder of DAMAC Properties, a global property development company. He has graduated from the Washington University and then began his career as a Contracts Manager in GASCO.

After a short period, in 1982 he became entrepreneur by establishing his own catering venture. In the mid-90’s, he built numerous hotels to accommodate the growing invasion of people coming to UAE to do trade and business. In 2002, he established DAMAC, which has grown to be the largest development company in whole Middle East. Read more: Hussain Sajwani

Hussain Sajwani expertise in the field of development from sales, marketing, finance, legal, and administration is a key driver for the success of a company, and today he has numerous prestigious projects in global cities like Dubai, Doha, Jeddah, Riyadh, Abu Dhabi, Beirut, Amman, and London.

As a smart investor and businessman, he also has a proven track record of successful ventures in the global capital and equity markets.

DAMAC associated with glitzy property developments, eye-catching stunts for marketing (“a free Bentley with luxury apartment”) and, recently, stylish golf course projects with POTUS, Donald Trump. The food business is a subsidiary of DAMAC Group operations and functions both as a reminder of the first business expertise of Hussain Sajwani and of his capability to cultivate close friends in high places on a global scale.

DAMAC Properties is headquartered in Dubai and engages in the development of leisure, residential and also different famous commercial properties in Dubai and the Middle East. In Dubai,  Sajwani is eager to enhance the business relationship with real estate firm of Donald Trump, the Trump Organization.

Golf Course Dubai by The Trump International opened in February 2017 at Akoya residential development in DAMAC, and Golf Course designed by Tiger Woods is scheduled to open at a separate DAMAC development in 2018. Learn more about Hussain Sajwani: http://www.nbcnews.com/news/world/dubai-billionaire-hussein-sajwani-ready-do-more-deals-trumps-n695566 and http://www.hussainsajwani.com/

In a press conference, Trump praised Hussain Sajwani by calling him “a very, very, very astonishing man” who had offered him a US$2 billion deal for real estate in Dubai that Trump had to turn down due to some reason. Hussain Sajwani Family is also working in the food service business, attracting clients such as the U.S. military and Bechtel, a construction giant. He still owns the food service firm.

How Whitney Wolfe’s Bumble Dating App Came To Be

Whitney Wolfe’s dating app Bumble is one of its kind. It was built with the intention on being a feminist app, and Wolfe wanted to ensure that women got the chance to call the shots.

Whitney Wolfe had helped create Tinder, but after a falling out and even a lawsuit against the other co-founders, she ended up leaving that company and moved forward with her life. Whitney Wolfe was eventually approached by Andrey Andreev who is mainly a Russian investor based in London. He co-founded a social networking site that has more than 300 million users, Badoo. He wanted to work with her to get a piece of this huge industry.

Out of sure desire to give this market a taste of its own “misogyny”, she set out to create a new app like Bumble. She said her goal wasn’t in a sense to create revenge, but more so to solve a real issue in the dating world. The problem that women need to be the one and only person waiting in the wings as they wait on a guy to make the move. Not to mention the annoying men who start conversations negatively and heavily focused on hitting on a girl.

This app is focused on giving women the power. After two people swipe right on each other, the woman must respond first in order to keep the match going. Many people thought of the idea as strange or too feminist related, but in reality, it’s what the dating market needs. Guys think they could create interesting pickup lines to get girls, but that’s not how it should be. Women deserve to have the right to choose who they want to speak to even after they have made the choice to swipe right. Bumble is making big strides in the dating world.

Read more on About.me.