Tim Armour Offers a Rebuttal to Buffet’s Bet

In an article for CNBC, Tim Armour, chairman and CEO of Capital Group, has offered a rebuttal to Warren Buffett’s claim that investing in actively managed mutual funds does not pay. Buffett has made a $1M bet that investing in a passive S&P 500 index would outperform a group of hedge funds’ returns.

In his piece, Tim Armour argues that Buffett is right, but only to an extent. He concedes that that there are many high-cost mutual funds that rarely outperform their benchmarks. However, Armour points out that all of the major indices have been on a long, steady march higher since the financial crisis, and that some investors are not even aware that index funds expose the investor to 100% of any downside. These facts contribute to a sense that index funds are unbeatable and more information click here.

The fund manager CEO noted that a collection of the best performing mutual funds does outperform passive indices. He also noted two characteristics of active funds that are common to high-performing funds: low fees, and high manager ownership. These two qualities denote funds that outperform they benchmarks and learn more about Tim.

Armour has argued that active management protects investors more than passive index funds in other publications as well. In the Wall Street Journal, he argued that finding a fund with the above two qualities leads to performance above their benchmark 89% of the time. Additionally, he has noted that baby boomers are worried about downside exposure, yet are doing little to protect against it when invested in passive indexes and resume him.

Timothy Armour has over 30 years of experience, all of which at the Capital Group. He was voted chairman of the company in 2015. He graduated from Middlebury College with a bachelor’s degree in economics.

TroyMcQuagge and His Role at USHealth Group

Troy McQuagge is the CEO of USHealth Group, and he has been given an award at the World CEO Awards for the work he has done with the company. There are many people who come to the company for help with insurance, and they may ask the company for a policy that was possibly developed by Troy and his team. This article explains how the company has grown under his leadership, and they are offering more policy choices for each customers than before.

#1: What Has Troy Been Awarded?

Troy has been given an award at the World CEO Awards or the way he has grown the company in many different ways. He wanted his company to grow in the business and personal sector, and they released many different policies that could be purchased by anyone at any time. Troy has attracted many different partners to the firm, and he has grown their customer base quite a lot with help from his staff.

#2: Family Plans

There are quite a few families that may purchase from the USHealth Group, and Troy believes that his company must offer as many policies as possible in many forms. He has ensured that families may purchase from the company, and they have multiplied their customer base by allowing private families to purchase insurance plans. The plans that are purchased privately offer savings to the customer, and they may use their policies to protect their children and spouses.

#3: Corporate Partners

There are many corporate partners that have joined the business to offer perks to their employees. The companies have ensured that they are paying less money for the plans, and there are quite a few people who are receiving better health care because they have chosen a USHealth Group plan.

#4: The Company Reduces Prices

Troy has ensured that the company has a high credit rating, and he is passing on savings to each customer. They will save money because of his management style, and he is willing to help the company grow to serve even more people in the future. Troy knows that there is a way to help the general population receive proper health care, and he knows that there is a way to help someone who has not had health care for some time and learn more about Troy.

The USHealth Group has grown many times over under the leadership of Troy McQuagge. He is one of the finest CEOs in the world, and he has been awarded for what he has done. Someone who wishes to purchase a fine insurance plan will find what they need when shopping on the USHealth Group site, and they will reap the benefits of the work Troy McQuagge has done.

More visit: https://twitter.com/troymcquagge

More About Karl Heideck – The Litigation Attorney

Litigation attorneys have the job of representing plaintiffs along with defendants in cases. The entire litigation process has to be managed by him. There are several aspects of a litigation process. These include the pleadings and investigation, followed by the pre-trial and trial besides settlement. There may be an appeal too. All these tasks are based on the type of dispute and if the attorney represents the plaintiff or is on the side of the defendant.

Initially, the litigation attorney needs to do a case investigation. It allows the litigation attorney to determine if ample evidence exists for filing a lawsuit. On the other hand, it is also to be seen what all evidence exists that would help in defending any potential suit. There would be a series of processes here. This includes finding witnesses and then taking their statements. Next would be the collecting of documents followed by the investigation of various facts that led to this dispute.

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Karl Heideck specializes in risk management and in compliance practices. Currently, he is based in the Greater Philadelphia Area.

Karl Heideck is known for his skills that go much beyond litigation. His expertise includes corporate law and legal writing. He is an expert in product liability along with commercial litigation. He has done a lot of writing on legal research along with employment law.

Karl Heideck has an experience of over ten years in this field. He has studied English as well as Literature. This was from the Swarthmore College, followed by the Beasley School of Law at the Tempe University.

Top Most Orthopedic Surgeries Performed By Greg Finch

Just like other forms of treatments, surgeries are meant to correct or treat various conditions or illnesses that may inflict one’s body. Orthopedic surgery is one of the most common surgeries that can be performed on an individual and it primarily deals with the muscles and the skeleton in the human body. Orthopedic surgery helps to correct problems that arise in the human skeleton, attachments, tendons, and ligaments.

It can also be used to correct problems resulting from the injury of the spine or damage as a result of aging. Some other type of ailments that orthopedic surgery can correct includes broken bones, sprains, strains, and dislocations. The range of treatment for these illnesses includes amputation, traction, spinal fusion, hand reconstruction, joint replacement, among others.

Here are the most common orthopedic procedures

Spine surgery– it is one of the most complicated procedures that requires being conducted by an experienced surgeon. It is used to correct severe back pain that impairs the day to day life of the patient. The most common spine surgery is the spinal fusion that involves joining of two vertebrae of the backbone. It helps to restrict motion of the spinal cord; hence, reducing the strain and severe back ache.

Total shoulder replacement– it aims at reducing joint pain by improving joint movement over a period. The damaged bone and the cartilage are replaced with plastic or metal. The corrective surgery can also improve the range of motion.

About Greg Finch

Dr. Greg Finch is one of the most skilled orthopedic surgeons from Queensland, Australia. He graduated from the Royal Australian College of Surgeons and later on pursued his Bachelor’s degree from the University of Auckland. After his graduation from the University, Dr. Greg Finch started his career at the Royal Orthopedic Hospital NHS Foundation Trust as a spine surgeon.

Doctor Greg Finch has spent some years in UK, Germany, and USA pursuing his career. He has worked in some reputable organizations such as the New Zealand Orthopedic Association, Australian Orthopedic Association, and Royal Australian College of Surgeons. Greg has also worked in North American Spine Society and the Society for the minimally invasive spine surgery.


A Look At The Roles Played By Neurologists Such As Dr. Shiva GopalVasishta In Treating Various Diseases

A new clinical study, HDIT/HCT, which was conducted by the ITN and sponsored by the National Institute of Health (NIH) and NIAID, revealed that stem cell transplants may induce long-term remission of multiple sclerosis (MS). MS is an autoimmune disease where the immune system attacks the central nervous system. The study, which lasted five years, indicated that close to 70 percent of the participants responded positively to the treatment by surviving without progression of disability, brain lesions or relapse of MS symptoms. After receiving HDIT/HCT, these participants did not take any MS treatment. HDIT/HCT research aims to suppress active diseases and prevent further disability by eliminating disease-causing cells and resetting the immune system. This information was originally reported on National Institute of Health as outlined in this link : https://www.crunchbase.com/person/shiva-gopal-vasishta

About Dr. Shiva GopalVasishta

Dr. Shiva GopalVasishta, MD is a renowned Medicare neurology physician in Voorhees, NJ. He is also one of the 34 doctors at Kennedy University Hospital. Neurologists are doctors who diagnose and treat nervous systems disorders, including nerves, spinal cord, and the brain. Neurological diseases involve epilepsy, Parkinson’s disease and Tourette syndrome, which is caused by different illnesses such as Alzheimer’s disease, stroke, or as a result of an accident or brain injury. Dr. Shiva GopalVasishta has extensive experience in the field of neurology. Neurological examination includes evaluations of balance, memory, reflexes and head and neck nerves. These tests primarily involve computed technology (CAT) scans, electroencephalography (EEG) studies and magnetic resonance imaging (MRI).

Dr. Shiva GopalVasishta pursued his medical training at Boston University Medical Center, Government Medical College Nagpur and Tufts Medical Center. He is a member of the Eastern Neurodiagnostic Association, a group practice. The doctor has adequate experience in psychiatry. Over the years, he has been accepting Medicare-approved amount. Dr. Shiva GopalVasishta holds different certifications and licenses, including the American Board of Psychiatry and Neurology and the NJ State Medical License.

Todd Lumbar: An Entrepreneur Who Is Dedicated To His Business And His Family

In 1995, Todd Lubar attended Syracuse University and graduated with a B.A. in speech communication. Many articles exist about what Todd Lubar has done, but nothing has been written about what is his philosophy of life and other matters that are important to him. Both of these issues have substantially created his successes, be it in real estate transactions, mortgage financing, recycling and beginning a start-up accelerator. You can visit LinkedIn to know more.

What is an entrepreneur? In 2016, About.com launched a new website, The Balance, a personal finance website. In the summer of 1996, Rosemary Peavler authored, “What Does it Take to be a Successful Entrepreneur?” According to Peavler, a successful entrepreneur is motivated by “personal and family consideration,” seeks independence and a “strong sense of initiative,” reacts “quickly to change,” and are “dedicated to their businesses”•

In April of 2017, IdeaMensch published a question and answer format with Todd Lubar. Mr. Lumbar stated that when he worked in the areas of finance and credit, he wanted to “help others fulfill their dreams.” He starts each day by having “breakfast with my kids.” When he has ideas, you must have the “will to make them happen”. He keeps his finger “on the pulse of every aspect of my business.” He stated that the “people you surround yourself with” are important and they should “challenge you and promote growth.” His work ethic is to “get up and work until you can’t anymore then work some more.”

According to Hackronym, for over 20 years in the mortgage industry. Todd Lumbar worked as an equity officer at Legal Financial Group. He started Charter Funding which had over 7,000 transactions and created Legendary Financial LLC to operate Legendary Properties. LLC. and originated more than 200 transactions working on sales, purchases, and rehabilitation. He became very successful running an automotive recycling business. Todd Lumbar is an entrepreneur.

What Do They Teach at the Kabbalah Centers?

Theoretically, Kabbalah teachings are believed to have sprouted from the Jewish religion and only became popular with the setting up of the first Kabbalah Center in Los Angeles, California by Phillip Berg. The teachings, most of which are passed on online or through regional centers, have nevertheless taken global root with subscriptions and setting up of centers all across the world. But what do you stand to learn by enrolling to the Kabbalah teachings?

  1. How to unravel life’s mystery

Traditionally, the Kabbalah teachings were regarded with utmost secrecy and only taught to devout Jews past the age of 40. Kabbalah teachings are complex and involve decoding life’s true meaning as well as the human being’s relationship and interaction with other forces within the universe. The study lays particular emphasis on astrology holding onto the concept that there exist cosmic powers that control life. The Kabbalah scholars thereby teach individuals how to understand these powers and use them in an attempt to unravel life’s hidden meaning and Kabbalah’s lacrosse camp.

  1. How to stay in touch with God

Most people consider Kabbalism as a form of religion, but its scholars have consistently published statements to the contrary and only term the study as a complement to the learner’s specific religion. In this regard, unlike most religions that teach the establishment of a direct connection among their believers with God, Kabbalah scholars emphasize that God is beyond human comprehension and only explain the importance of establishing a connection with the essence of God that Kabbalah refers to as light and resume its.

  1. The teachings about the Klippot

The Kabbalah teachings argue that every individual has a clear and direct connection to a metaphysical-spiritual being whose connections promotes fulfillment in life. They then introduce the concept of the Klippot referring to an imaginative blockade that hinders this connection thereby limiting fulfillment in life. According to the Kabbalah scholars, the study and practice of the Kabbalah teachings and Jewish laws weaken the klippot and in effect promote fulfillment in life. On the other hand, negative thoughts, behaviors, and violence add onto the Klippot thereby leading to confusion in life.

Gearing up for the Election Finance Reform Battle in the House

End Citizens United is a non-profit political organization, which is focused on promoting transparency and accountability in campaign funding by corporations in the US elections. Campaign finance in terms of policy and reform is still a hot debate, which has not subsided even after the intervention of the US Supreme Court. The proponents argue that corporations have a role to play in society. On the other hand, opponents are against the big money campaign spending habits encouraged by the policy.


Recently, the Political Action Committee, PAC, published its list of candidate to support in the House of Representatives in 2018. The endorsed candidates are all vocal advocates of campaign finance reform. Nineteen candidates from eleven states made it onto the first round list. They are poised to enjoy an extensive campaign network and resourceful support from the PAC to fight the influence of big money on democracy.


The PAC is focused on raising funds to support its political and advocacy activities including targeted media ads for candidates. The goal is to have them elected to office where they can help tackle the campaign finance reform. The group is opposed to big corporate donations to candidates during elections and the support for unlimited spending by super PACs.


The group enjoys grassroots membership, largely Democrats, with over three million active supporters. With over $4 million in the bank already in the first quarter, the PAC hopes to raise over $35 million from small donations to support the 2018 round. This is an optimistic target for the PAC as they raised $25 million in the 2016 election cycle. It was the first year the group was participating in elections.


However, if the aggressive fund-raising tactics they used are anything to go by, they will easily hit the target. In addition, their grassroots activism is rapidly gaining traction. They are also establishing strong relationships with campaign finance groups. Recently, the leveraged this powerful relationship to reach out to Republican senators achieving a 50-50 vote during the nomination of the Education Secretary. The Vice President, however, tipped the scales against the vote.


In the same year, the PAC was among the top three federal PACs enjoying a membership of more than three million. The average small donor contribution is just over ten dollars. The group employs a traditional PAC policy with individual donations capped at $5,000. Tiffany Muller, the PACs President, said small donors are excited to have the capacity to fight big money head on.


The battle has got closer to the frontlines since the election of the new administration, which largely supports the relaxation of campaign finance laws. House representatives are elected every two years. The current project on the table is the Democratic candidate in Georgia, Jon Ossoff. The first time candidate pointed out that the complete 2018 action plan and line-up is in the pipeline.


Thor Halvorssen’s Unique Way of Fighting Against the Abuse of Human Rights

For a long time, human rights activists have been perceived as individuals who just sit in their comfortable offices and talk about human rights. Thor Halvorssen is one man that is striving to change the stereotype associated with human rights activists like himself. As such, Halvorssen is a hands-on person who displays vigor in his endeavors to champion for human rights where they have been abused through totalitarian leadership.

Unlike many other activists, Thor Halvorssen has witnessed first-hand the dangers associated with human rights violation as well as dictatorial leadership. His father was tortured inside a prison in Caracas for shedding light on the corrupt practices in the Venezuelan government. In addition, his mother was also a victim of shooting during an anti-Chavez demonstration.

Well aware of the consequences of dictatorship, Thor Halvorssen and his team of activists at the Human Rights Foundation have devoted their energy to fighting against authoritarianism. He has displayed a strong commitment to helping defectors and dissidents in fighting against tyranny. His support for rebels is displayed by the people he has hired over the years to act as chairperson of HRF such as Garry Kasparov, a Russian political activist.

Thor Halvorssen

Thor Halvorssen is widely acknowledged for his endeavors in supporting the oppressed in society, particularly in nations ruled by dictators. His focus targets various areas such as public interest advocacy, civil liberties, pro-democracy advocacy, individual rights and public policy. Halvorssen has made a name for himself across the global divide through the inception of numerous bodies that champion for human rights. As such, he is known for founding the Oslo Freedom Forum, which serves as a yearly gathering or festival for human rights. Further, he is the President of one of the Human Rights Foundation.

Halvorssen holds both graduate and an undergraduate degree in Political Science and History from the University of Pennsylvania. Armed with his vast knowledge in political science and his distaste for threats to democracy, human trafficking, slavery and dictatorship, Halvorssen lectures numerous institutions of learning. Some of these top schools include American Enterprise Institute, the United Nations Association, the New York City Junto and the Harvard Law School. Thor Halvorssen on Facebook.

Desiree Perez: Masterminding The Comeback Of Tidal

There is a myriad of multi-billion dollar industries in the corporate world, among which is music streaming. Tidal is often seen as a minnow, but Desiree Pérez is confident that her relentless efforts will transform the company’s fortunes. She has gone on record and stated unequivocally that Tidal is here to stay.

The services have undergone turbulent times recently, with a couple of its top brass stepping down. However, Jay Z, the founder, has remained faithful to his creation. He weathered the storm, trying to find a way out in the process, check this on pagesix.com.  His efforts, bolstered by the resilience of Desiree Perez seem to be finally paying off. Lately, subscriber numbers have soared considerably, reaching previously unimaginable levels.

During the hard times, Jay Z employed several strategies without success. The appointment of Desiree Perez, however, changed this concerning trend. Since she took over, Tidal has experienced a revolutionary renaissance, and can now compete with the big boys in the game. In her short period at the helm, Perez has closed numerous deals that have restored the reputation of Tidal among investors and clients.

A testament to this prosperity is the production of record-breaking albums by the enterprises’ elite artists. Rihanna, Kanye West, and Beyoncé, who are Tidal’s flag bearers, all released platinum-rated albums nearby. As a result, the firm has registered over a million new subscribers to its already vast network, check this here.

Tidal has adopted a new tactic, with an aim to increase its appeal to the youth. For this reason, the business has placed emphasis on upcoming musicians rather than concentrating on veterans. All in all, Desiree Perez has proven to be the person to steer Tidal back on the right track.  Related article on prettymanprettyman.com.

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