Archives: June 2017

Capital Group CEO explains how to earn better return on investment

Chairman and chief executive officer of the Capital Group.Tim Armour, thinks Warren Buffet is right… and wrong. Buffet bet $1 million for charity that he can earn more in one year investing in a S&P 500 passive index fund. Armour agrees that he probably will beat out the hedge funds this year, but says the method isn’t solid over the long-term.

Armour finds many of the current crop of hedge funds expensive and mediocre. He suggests “low-cost, simple investments” purchased and kept for a long-term investment. He concurs with Buffet’s standard approach of bottom-up investing which requires rigorous analysis of potential companies and constructing a “durable portfolio to learn more: click here.

For those tempted to follow Buffet’s example, Armour offers the following advice.

• The labels “active versus passive” refer to an industry argument. Armour says to look for funds that deliver well over the long-term and keep costs low.
• Index funds don’t protect investors fund from market downturns. They are just as volatile as other investment methods.
• A $10,000 investment 40 years ago in any of the top five active funds American Funds (The Growth Fund of America, AMCAP, Washington Mutual Investors Fund, The Investment Company of America or American Mutual Fund) would have netted an investor more than if they invested the same amount in the first S&P 500 index fund.

The now CEO still performs his duties  equity portfolio manager. Armour worked his way up at the Capital Group, starting there 34 years ago as a participant in The Associates Program after earning his BA in economics from Middlebury College. His specialty in equity analysis is global telecommunications and US service companies.

Armour councils investors to look for funds with high manager ownership and low expenses. Doing so over the long-term nets the best return.

Honey Birdette Launches New York Lingerie

The New York Collection of lingerie has launched, showing men and women alike a new side of Honey Birdette. Australia’s first sensuality boutique has done it again, offering a line of lingerie that is both sultry and high-class.

A video campaign of the New York Collection is the best way to view the various lines. Black satin, red and white lace and more paint beautiful models who take to the city. Skyscrapers and taxi cabs are found throughout the video, showcasing NYC to the fullest.

Suspender sets are one of the major aspects of the collection. These are seductive belts that are worn over the panties and include straps that hold up thigh highs. It’s a sultry way for women to dress when they want to turn up the heat in the bedroom. The sets are found in many of the lines of the collection, including Brittney and Miss D.

Honey Birdette went live in 2006 to ensure the people of Australia had access to toys, lingerie, fashion fetish and many other items. Sensuality in the bedroom was lost and the brand managed to deliver in a high-class, affordable way.

Over the years, Honey Birdette has become synonymous with high-class sensual toys and lingerie. Their Facebook page has been filled with peeks of the New York Collection. There’s also been a significant amount of excitement from customers who can’t wait to get their hands on lacy bralettes and risque bras that feature silver hooks, collars, and more for a dominatrix-style appearance.

It seems as though the launch of the New York lingerie is a win for Honey Birdette. Plus, the video is a great way to view the entire line in action.

Find more about Honey Birdette on Instagram and YouTube.

Michael Lacey and Jim Larkin Are Funding Attorneys for the Civil Rights

There exists many groups of attorneys out there, especially in the U.S., that advocate for civil, human and migrant rights, and that is one of the most common specializations in the law school since it branches out to tons of different cases.

These attorneys are groups that want to do some good to the world by supporting people who are suffering in some way because of abuse of power or force, among other stories. Learn more about Jim Larkin: and

There is a lot of injustice in the legal system, and it is the job of the attorney to mitigate that by using the words of the law to help raise awareness of the case of their client. that practice requires extreme dedication from the lawyers, and sometimes, their customers are going up against big corporations.

Dedicated agents help mitigate the abuse and restore justice where it is needed. In a way, when a client is against a multinational enterprise which can buy its way out of a legal action.

In a way, lawyers that defend for civil and human rights can be those professionals who are called “agent of guilty people,” and it is extremely common. Sometimes, the accusations are not entirely plausible, or sometimes, the professional is just obtaining their fair share of experience by being on the other side of the court debate. These professionals sometimes end up having a rough start though, because it is misseen.

Michael Lacey and Jim Larkin, for example, are not far from a terrible start to their career. They were lawyers who got arrested without motive, and they paid a fair share of their professional time because of the authority that a sheriff has in some areas.

As mates who fight for migrants’ rights, they got arrested on an afternoon on October 18, 2007, by Sheriff Joe Arpaio of Maricopa County. The duo acquired a $3.75 million settlement later from that arrest by raising awareness. What did they do with those million dollars? They founded the Lacey and Larkin Frontera Fund. Read more: About Lacey and Larkin- Frontera Fund

With the Frontera Fund, the partners found a way to support the legal system in a way that is partially related to being a lawyer, but not exactly. They are funders, people who invest in other groups of attorneys who fight for human rights, be it, migrants’, gays’ rights, and any other community that gets oppressed.

Freedom of speech is a right of every American citizen, and the Frontera Fund is allowing professionals in the legal system to work towards a fairer future.


Tim Armour: Warren Buffett Doesn’t Have it All Figured Out

Billionaire investor Warren Buffett has issued a challenge to is fellow investors: the person who can make the most returns from an investment will get $1 million to the charity of their choice. In keeping with his style, Buffett plans to stick to the S&P 500 passive index. That’s something fellow investor Tim Armour took issue with in a recent op-ed.While Armour doesn’t dispute Buffett’s success with passive funds, he claims it’s not a helpful model for the retirees that turn to him for advice. For Armour, passive index funds are in no way more safe tan active funds, they’re just more prosperous in this unusually long bull market.

This, Tim Armour argues, makes for a false sense of security that isn’t helpful when a bear market is upon investors and returns are small.Armour concedes that there is no way to guarantee an investment will pan out, but he argues that focusing on two elements can lead to stronger returns: management fees and the best manager investment. At his firm, Armour picks funds based on the amount in fees the investor is expected to pay, the lower the better. the second criteria depends on how much the manager of that fund is financially invested. Armour has found that a manager that is invested in their own fund generate confidence and in turn helps the fund grow.By sticking to these principles, Armour’s firm have averaged 1.47% higher than index benchmarks after fund expenses were paid for.

About Tim Armour:

Timothy D. Armour is an American investor from Los Angeles. After graduating from Middlebury College with a Bachelor’s Degree in Economics, he joined the Associates Program at Capital Group Companies.Armour has spent more than three decades working in finance and investment with Capital Group. The experience acquired with Capital Group made him an ideal fit for Chairman and Principal Executive Officer of Capital Research and Management Company. Armour also serves as Chairman of Capital Group Companies Management Committee.


U.S. Money Reserve helps investors diversify into safest assets available

Over the last 30 years, and U.S. financial system has been rocked by a series of booms and busts, each of which has left the economy in seemingly worse shape than the last. In 2008, the financial system underwent the worst crash since the 1920s. Many people do not fully appreciate how close the entire U.S. financial system came to completely imploding on itself. Without the massive bailouts, authorized by Washington, it is very likely that the entire U.S. banking system would have collapsed, causing nearly everyone in the country to lose all of their savings and setting off a financial catastrophe, the likes of which had never been seen.


That this catastrophe was staved off is not an indication that the risk of a repeat has diminished or that the average U.S. citizen is safe from a potential future catastrophic development in the U.S. markets. Historically, the safest asset class in which to hold access investment capital has been precious metals, particularly gold, silver and platinum.


Today, it is possible to purchase these metals in the form of coins. U.S. Money Reserve is a leading dealer of precious-metal-based coinage in the United States. Through its state-of-the-art web interface, U.S. Money Reserve has created a means to purchase as little or as many precious coins as one desires, with the ease and efficiency you would expect with purchasing something off of Amazon or eBay. Purchasing gold coins, through the use of U.S. Money Reserve’s website, is one of the easiest investment experiences a client will ever have.


But U.S. Money Reserve has not just built its gigantic business on the basis of making the purchase of gold coins simple. It has a staff of world-renowned experts including in retirement planning, macroeconomics, financial analysis and currency markets. One of the areas in which U.S. Money Reserve delivers outstanding value to its customers is through the use of individual retirement experts, who are on staff to interact with customers in defining the retirement goals and setting up the accounts and financial vehicles that will be most likely to allow them to reach those goals.


Creating its state-of-the-art web-based customer interface, U.S. Money Reserve has created a system that allows customers to set up what are known as Self Directed Individual Retirement Accounts. These are a form of retirement account that allows for significant allocation of the account to be precious metals or coins. This means that customers are able to enjoy all of the tax advantages and other favored treatments of traditional individual retirement accounts, but it also allows the flexibility to choose the assets that the customer deems will most likely be able to fulfill their retirement goals.


Follow US Money Reserve on Facebook.

The Success of Dick DeVos

Dick DeVos is a member of the DeVos family, a prominent and well known family that is currently residing in West Michigan and that is known for not only the family owned business that is known as Amway Corporation, but is also known for the family’s constant generosity to organizations as well as foundations across the United States. Dick DeVos is a member of this family and has worked hard to not only maintain the well respected legacy of the DeVos name, but has also worked hard to expand the name and to grow the meaning as to what it means to be a member of the family.


Dick DeVos, like his father, loves business and has worked his entire life to grow businesses. Dick DeVos had the luck of watching the family business grow at an exponential rate from a business that was based in the basement of the family home to a booming business that is integrated within many different countries that has also attracted millions of loyal customers to enjoy the products that are produced. Dick DeVos decided from an early age that he was to follow in his father’s footsteps and grow the name of DeVos. With numerous connections and a great business which includes excellent customer service, this goal has already been accomplished.


Dick DeVos always knew that he wanted to be involved in the world of business. Dick DeVos did not begin to officially contribute to the family company until he had shown his dedication to hard work and towards earning knowledge. Dick DeVos became an official member of Amway Corporation when he earned his degree in economics. After joining the company, Dick DeVos sought out to build on the greatness that his father had already created. In present day, Dick DeVos has over four decades of experience with business.


Dick DeVos is not only a businessman, but is also a well respected philanthropist who has donated millions of dollars to worthy charities with the end goal of improving communities across the United States. Dick DeVos is especially involved in philanthropic activities that involve education. Dick DeVos believes that the key to economic growth is to improve the education system and to build economic capital. Dick DeVos, along with his family members, believe that human capital and the accumulation of knowledge are the best ways to improve the lives all over the world in the long run.