The Capital Perspective On Investments

Warren Buffett is convinced that his strategy will yield better returns than those of hedge fund managers by simply investing in a S&P 500 passive index funds. His premise is that many investors are shortchanged by mediocre expensive funds.. Therefore optimum investment strategy is to buy and hold low cost, simple investments for the long term, a successful strategy.

In examining that strategy, consumers should be suspicious of product labels. Many mutual funds provide disappointing returns, due to high management fees and frequent trading. Simultaneously opportunity costs and volatility risks of passive index investments are misunderstood.

The notion that passive index returns is a secure way for retirement warrants examination. Index funds are a good choice for a particular objective, however they provide no insulation in a declining market, exposing investors to losses and volatility according to CNBC.

Read more: Capital Group Board Elects Timothy Armour as Chairman

While it is well known among investors that an ordinary actively managed fund has performed worse than the market over significant time horizons, there are exceptions to this. Exceptional fund managers are those not in high-cost funds who invest their own money in their fund, with resulting funds that outperform benchmark indexes.

Tim Armour’s thoughts on Post Trump market change are that there will be significant changes occurring rapidly. He thinks that the new administration’s policy will stop sluggish growth already occurring in the drilling and oil sector. Tim Armour of Capital Group also warns to expect increased turbulence in current languishing sectors such as utilities and real estate.

When Tim Armour Chairman of Capital Group was questioned about his perspective on the September 2015 market selloff, he stated that the US had a six-year bull run simultaneously with rising markets in most of the world. The U.S. markets were valued fairly, and valuations were extended for some sectors and companies. Therefore the market correction was largely anticipated and healthy since it eliminated pockets of excess.

For more information about Tim Armour, just click here.

Get WEN And Find Bouncy Beautiful Hair

Chaz Dean is the amazing individual who has dedicated much of his life to women’s hair care. Dean started off in photography, and through his love of photography he gained an interest in hair. Dean wanted to become a cosmetologist, so he studied cosmetology and was able to work at some of the most prestigious salons in LA. Dean ( saw a disturbing trend when it came to haircare products. He noticed that the majority of haircare products had a lot of unneeded chemicals and dyes. These products actually strip hair of its natural oils, and these products make hair very unhealthy.

He wanted to create a haircare product that actually nourished a woman’s hair. Dean wanted this to be a product that could be used on any type of hair, and he wanted it to be free of sulfates and parabens. Dean was able to create WEN conditioning cleanser, and it quickly became one of the most popular conditioning cleanser to ever hit the market.

Emily McClure from The Bustle has heard a lot about WEN by Chaz Dean. McClure decided that she wanted to see for herself if all of the rumors were true. McClure has naturally fine hair, so she was nervous about the amount of product that she had to use on her hair.

McClure found that WEN conditioning cleanser helped her hair to look thick and shinier when it was used every day. If McClure skipped one day of washing her hair, she felt like the product made her hair look weighted down. McClure on Facebook does recommend this product for women with thin hair, but she advises them to make sure to use the product on a daily basis.

For more info, visit

6 Eco-Friendly Destinations for the Traveling Tree Hugger

Looking to get out of the house for awhile? Want to put in those vacation days that you should have taken a long time ago? There are so many options in the world today when it comes to travel, but not all destinations are centered around an eco-friendly environment. If you like to keep this green earth clean and natural, then check out some of the travel destinations listed below that are sure to meet your eco-standards and give you the vacation you may have been dreaming of!


  1. Chile

Chile was the first to approve a carbon tax in all of South America, and will begin to take effect in 2018. Chile also scores the highest score in environmental protection, and is strongly working towards getting twenty percent of their energy from different renewable sources by the year 2025.

  1. Dominicia

They have started a project with the goal of drastically reducing the consumption of energy in the business sections, working towards an overall greener environment.

  1. Lithuania

By the year 2020, Lithuania wants to use twenty three percent of renewable energy. They are already close to reaching their goal with twenty two percent, and may even exceed their original intentions and expectations at this rate!

  1. Uruguay

Not only does eighty percent of their energy come from renewable resources, but Uruguay also wants to turn all public transportation towards electricity, including buses and taxis, and is also working towards becoming a carbon neutral nation.

  1. Samoa

Samoa has a one million dollar budget with the primary goal of building up the biodiversity of the island and helping balance the threats of sudden changes in weather and climate.

  1. Tonga

With the goal of reducing the import of diesel by fifty percent by 2020, Tonga is promoting solar home energy to those residing there to help bring the diesel usage down.

Looking for some other great traveling opportunities? WildArk is a great online tool and resource for traveling everywhere from Africa to Alaska. Whether you are searching for traveling on the trails, cuddling up in a lodge, going on a birding safari in Botswana, or going on an EcoQuest wilderness experience for fourteen days, this website on wildlife travel with satisfy all your traveling cravings, in eco-friendly style! Click here for more information.

Follow them on Facebook and @wild.ark


Dick DeVos’ Family Foundation Has Donated Millions of Dollars in Philanthropic Missions

The money Dick DeVos and his Family Foundation have given through humanitarian missions to date is estimated to be about $139 million. In the year 2015 alone, the family contributed $104 million to nonprofits and charities making it be placed 24th on the list of America’s Top Givers published by Forbes Magazine. Out of these, Dick gave out about $11.6 million. No other wealthy family from West Michigan has given as much as they have done. This is in keeping with the long tradition of providing that the families from sides, the Netherlands where Madam Betsy has her roots, and the US where Mr. Dick lives, have established over their lifetimes.


Whereas undue attention might be directed at the vast sums they also set aside for political causes, it is clear that education is the top priority in their donations. In the recent past, 2015, educational causes have received more than$ 3 million from the family largesse, which accounted for 26 percent of the entire sums they donated that year. Improvement of learning environments and helping the poor acquire quality education forms a major part their activities. According to the couple, the current American system of learning to a great measure does not reflect the American Dream. They want to empower undeserving and underprivileged children to attain meaningful life through decent education. Dick DeVos emphasizes the right of every child to be taught by skilled educators in every institution.


In 2013, Dick DeVos funneled out thousands of dollars to the following schools and colleges; Rehoboth Christian School in New Mexico, Detroit Charter School Company New Urban Learning, Compass College of Cinematic Arts in Grand Rapids, West Michigan Aviation Academy, Dick DeVos’ alma mater Northwood University in Midland, and Potter’s House in Wyoming. The publication of the beneficiaries is an effort at transparency in donating for worthy causes. It is also proof that all contributions by the Foundation fulfill the criteria expected of organizations that support charities. The charter schools the family supports cater mainly to the economically disadvantaged students in those localities. The couple also supports Arts & Culture, and in 2015, they gave $2.4 million towards instilling high-quality managements in arts. The DeVoses never attach any conditions to what they give, and their interest is not limited to schools alone. Other areas in which their donations go include; health and human Services, churches, leadership development, and community welfare.


Dick DeVos has been part of the family business, Amway Corporation, from 1974. He has held many executive positions in many of its international branches. He is also a founder and President of Windquest Group, and he manages the NBA’s Orlando Magic Basketball franchise. Dick is a big political player in Michigan


The Improvements US Money Reserve Has Made On Their Business Website

The US Money Reserve is always working to improve customer service and maximize product quality, so that’s why they decided to change their website look to a more interactive and modern looking place. With the new website customers can take a look at more photos and information tabs and it’s much more mobile-friendly.

The ultimate goal was to make an informative but appealing website that customers would want to return to often and recommend to friends and family. US Money Reserve is a private gold and silver investment company that has minted some high quality commemorative coins such as buffalo and eagle gold dollars.

Philip N. Diehl has been the longtime leader of US Money Reserve and his credentials in minting and currency don’t get much higher than his previous office of US Mint Director.

He assumed the post in 1992 as part of the Clinton administration and decided to change the US Mint into a more customer-friendly agency including launching an ecommerce website. Diehl also increased the minting annual profits into a $2.6 billion return, an increase of over 300% from the previous years. The first platinum coin to be minted was also a project that Diehl worked behind the scenes with. Learn more about US Money Reserve:

Diehl and the US Money Reserve have put forth guides on how to invest in gold and silver. In recent years the US dollar has come under heavy inflation and has faced a lot of turbulence in foreign markets, and the national debt continues to accrue up till today.

This is why the US Money Reserve is encouraging investors to look into gold and silver for their portfolios because these metals tend to hold up against economic and political turmoil. Diversifying your portfolio applies to gold and silver as well as the usual vehicles of stock market investments, and having these precious metals in your portfolio is a good way to hedge it against a sudden crash.

The US Money Reserve’s products come in coins, bullion and bars and each has their own set of benefits and risks. If you have an IRA you can even transfer existing investments into gold or silver-backed assets through following the instructions given in the US Money Reserve free information pamphlet.

US Money Reserve has added the Client-Connect Advantage platform for customers who have questions about purchases or need to make returns. To find out more about getting started in gold and silver investing go to

Nabors’ CEO Tony Petrello Amends Its Corporate Governance And Executive Compensation

When Tony Petrello, CEO and President of Nabors Industries replaced former CEO Eugene Isenberg, in 2011, their share price increased by 180 percent.

Marketwatch reported on May 27th, 2014 that Mr. Petrello earned $68.2 million, in 2013, a 246 percent hike compared to 2012. He made number one on Equilar’s 2013 list of U.S. 50 top paid CEOs. It caused an uproar among many of the company’s shareholders who didn’t support its board’s executive compensation plan from 2011 to 2012. Tony Petrello became a member of the Board of Directors in 1991 and contributed to the company expanding to offshore, in 2002.

Nabors moved to Hamilton, Bermuda with the goal of reducing its federal tax liabilities in the United States. Some of the investors were disgruntled about the move and tried to intervene by filing a lawsuit against Nabors Industries, in Houston, Texas. A federal judge presiding over the case ruled in favor of Nabors granting expansion to Bermuda. To satisfy their shareholders, Tony Petrello and the company amended its corporate governance and compensation practices, in April 2014. One of the most significant changes to their practice of compensation is the executive severance payments limitation to three times an executive’s salary and bonus.

Tony Petrello is an experienced lawyer, executive leader, and philanthropist with years of expertise in corporate law, corporate planning, and operations. He holds a law degree from Harvard Law School and completed his undergraduate studies at Yale University. Since 1991, he has climbed the corporate hierarchy, presently serving as CEO, President, and Chairman of Nabors’ Board and Executive Committee. Mr. Petrello, along with his wife Cynthia Petrello are humanitarians and devote their time and money to Texas Children’s Hospital and the Dan and Jan Duncan Neurological Research Institute.

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Get Your Hair Right With Wen

Emily McClure is a writer for The Bustle, and she decided that she wanted to do an experiment with Wen conditioning cleanser. WEN conditioning cleanser has been marketed for the last decade. Many women from all around the world have tried WEN products, and they claim that they are products that are good for all hair types. WEN is a product that was created by a Chaz Dean. Dean was working in the hair care industry for many years. He wanted to do something different for a hair care product. Dean wanted a product that was going to nourish hair without having to strip hair of its natural oils. Wen was created to be as natural as possible. It is a cleanser, a conditioner and a styler all in one.

Chaz Dean ( is a person who truly revolutionized the hair care industry. He started off his career in the photography sector, but his love for hair and cosmetology moved him to want to get into a different profession. Dean loved working with hair, and he was soon working in one of the most prestigious hair salons in the Las Angeles area. Dean created WEN because he wanted to offer his clients a superior hair care product, and that is what he did.

Emily McClure is a woman who has very fine hair, and she wanted to see if WEN would be beneficial for her hair. McClure decided to do the test on her hair for seven days, because she wanted to see how her hair would fair over a week using WEN. McClure found that she liked the way that WEN made her her feel. At times she would feel like her hair was overly greasy if she did not wash it each day. McClure got compliments on her Facebook photo on the way her hair looked with Wen products, and she believes that she would recommend the product to women who have the same type of hair as her.

To order Wen products visit the website or visit the beauty care aisle of select retailers for more purchase options.


Securus Technologies Take on GTL for a Tech Stand-off Challenge

Securus Technologies is a civil and criminal justice technology provider for public safety, corrections monitoring, and investigations. It announced this year that it was offering a challenge to its chief competitor, GTL, to employ an independent technology judge to establish who has the overall best product, the most current high tech refined calling, a high-end efficient platform, and the best customer service and associated data.


CEO Richard’s Innovation Response


GTL has twisted facts that try to portray that its technology and customer service are comparable to ours, noted Richard Smith, Securus’ CEO.


Smith noted with concern that a GTL comparison to our company’s technology isn’t fair because we have heavily invested in the procurement of sophisticated technologies ($700 million) in the last four years, to boost our innovative business. We have also been acquiring companies, technology centers, and product development along with a state of the art Customer Service Center, and GTL cannot match our tremendous assets. I wish they could stop this comparison business. We are in a big league, far from where they are today.


Our tests indicate that Securus has a call response performance of 600% improved technology than GTL’s. We also use our trained field professionals, unlike GTL who contract most of their work to external individuals who may not have a deep desire to serve customers efficiently like we do at Securus. Our latest VOIP Prison calling system is rated the best in the world. The VOIP Platform provides customers with regular software upgrades that enable services to be flawlessly distributed at a lower cost and much faster when compared to GTL’s locally based older systems.


We have facility customers that have reviewed our products over those at GTL’s, and they have concluded that Securus’ technology and customer service is far more superior to that offered by GTL. We have customers that have converted to Securus – because they prefer our technology and customer service. I also see the same win/loss ratios that we retain; we take $4.00 in profits from GTL against $1.00 lost to GTL in the last five years. So can GTL take the technology challenge heat?


Why EOS Lip Balm is a Great Company and Will Continue To Be For Years To Come

EOS Lip Balm has attained a number of positive reviews on since it began serving its respective customer base. Unfortunately, many people are unaware of some health and beauty companies existing in which they do not deliver the high qualities of products that they promise their customers that they will. In the case you have experienced such an issue with a company, it is highly imperative for you to ensure that you have conducted a bit of background research on the company prior to investing in their products.

EOS lip balm is well aware of there being other companies who are not providing their customers with a type of lip balm that they will be satisfied with. Why invest in the products of a company that doesn’t have your best interests in mind? Have you not been fed up with empty promises? If so, then you may be delighted to know that EOS lip balm offers a product that you can truly rely on. They have made a product that they know their users will need as just about any type of weather can cause one’s lip to dry. Lip balm should be used by a person lightly and not to the point where they are constantly having to apply it due to their lips drying up within a couple of minutes of applying it.

EOS has received enough positive reviews to be considered a top choice( of lip balm producers. They provide their customer base with a product that one is guaranteed to be satisfied with in terms of results. Why should you have any worries when purchasing a lip balm product? Unfortunately, many companies have created a reason to worry. EOS Lip Balm has decided to capitalize on such an unfortunate situation by creating a truly wonderful product that people can rely on.

To learn more about EOS, read the one-of-a-kind interview with EOS founders on Fast Company.

Become a Better You with the Many of Cleanses of offers a wide variety of cleanses, whether gearing towards more all-inclusive type of cleanses or targeting specific issues. More comprehensive sort of cleanses include the “Full Body Cleanse” and the “10 Day Electric Greens Combo Regimen”. Both cleanses work to benefit the body, by naturally detoxifying the human body along with nourishing and protecting the body simultaneously. Examples of targeted kinds of cleanses include ones that are for specific areas of the body or for particular ailments.

TrustPilot wrote in their review that cleanses for the colon, pancreas, nerves, and even blood are all available, as well as cleanses aimed at respiratory related issues, parasites, immune system, and weight loss. Most favorable and useful cleanses would likely be the “Full Body Cleanse”, and also cleanses meant for assisting with the immune system and weight loss. Majority people, like me, want to look, feel, and be their best and these popular cleanses would be the most pertinent. Not only do you need to take care of your outer appearance, but you need to care of yourself from within foremost. Many of these cleanses can get you on the right track to becoming a more attractive, more healthy, you. and the cleanses that are offered on their site are world renown and have been featured approvingly by the media and celebrities as well. Features include popular television shows such as The Steve Harvey Show, Windy City Live, and Atlanta Plugged In. Other notables include press coverage in reputable magazine publications such as Sheen, Jubilee, and Heed Magazine. You can also find and their wide variety of wellbeing products at prominent websites like Amazon, in addition to their own storefront.