Choosing An Investment Index For Your Retirement Plan

Timothy Armour is a Los Angeles-based investment professional with over three decades of experience in asset management. He joined the Capital Group as part of the Associates Program in 1983 and was elected as the Chairman in 2015.

He attended the Middlebury College where he earned a Bachelor’s degree in Economics. As part of his experience at Capital Group, Timothy Armour has served as an Equity Investment Manager, Equity Portfolio Manager, as well as the Chairman of the management committee.

Based on a commentary on the investment strategy of Warren Buffet, Timothy Armour states that investing for your retirement should not be in relation to whether an investor chooses an active or passive index, but focus on the long-term returns on investment. This was necessitated by a wager placed by Mr. Buffet claiming that he could outperform hedge fund managers by speculating on an S&P 500 passive index fund.

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Timothy Armour, however, disagrees with this notion and claims that there is no way to know which funds will perform better than the other. This is because index funds present no cushion against market downturns. The only way to get good returns is to ensure that your fund manager insists on low investment expenses, as well as invest their own money in the same project as the investors.

In response to President Donald Trump’s election, Timothy Armour claims it will be a period characterized by higher inflation and interest rates, and rapid economic growth.

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How Don Ressler And Adam Goldenberg Put Techstyle On The Map

The Origins Of The Duo

Don Ressler and Adam Goldenberg are two of the biggest pioneers in online retail. Both emerged in the early 2000s as key innovators and both created companies worth billions st a time when the concept of web businesses was somewhat theoretical. Naturally, when the two met they were headed towards the creation of something great. The duo founded Techstyle, a company specializing in ways to use technology in the fashion business, and have held their throne ever since.



Techstyle Takes Form

The various companies Ressler and Goldenberg operate all fall under the umbrella of Techstyle. Essentially, Techstyle takes Big Data analytics and applies them to the fashion industry. The key to the success of their websites is giving customers exactly what they want, and to do just that Techstyle uses a number of surveys and other means of collecting data to receive the most accurate view of what every customer wants. Once they know what customers want, they can focus on delivering that as efficiently as possible.



JustFab Is A Success

JustFab emerged in the mid 2000s as a website centered entirely around providing customers with a personalized shopping experience. Working alongside supermodel Kimora Lee Simmons Ressler and Goldenberg created a store with millions of loyal customers. The success of JustFab was so amazing they decided to create another website using the same business model, but with a focus on a more narrow target.



Building On A Winner

JustFab proved customers wanted a personalized online shopping experience, but Fabletics proved the model could turn into something even more impressive. Originally, Fabletics was simply another online fashion store, but it exploded in popularity in a way even JustFab was not able to. This resulted in the creation of physical stores where Fabletics customers can purchase their clothes. The companies are so successful Ressler and Goldenberg have ordered the opening of between 50-100 brick and mortar stores. Fabletics represents more than another success story for the pair. It represents the mastery of one domain and the entrance into a new one.

Adam Milstein Has A Great Way For People To Show Their Support For Israel

Adam Milstein Has A Great Way For People To Show Their Support For Israel

Entrepreneur and philanthropist Adam Milstein has been working with StandWithUs for many years and he’s been pleased to be a part of the competition committee of “Inspired by Israel,” a video competition for people to show their patriotism for Israel. Milstein is from Israel and has even served in the Israeli army and now he’s encouraging young people to show their colors for the nation. The competition has many incentives including $20,000 in cash prizes culminating in the ultimate $8,000 prize for the winner. All videos are posted at and are open for the public to vote on for 10 days. Milstein is hopeful this competition will show the world just how important Israel’s contributions have been.


Adam Milstein is the Managing Partner of one of the US’s largest real estate broker companies, Hager Pacific Properties. He’s been in real estate since 1981 and has led the company along with David Hager in the acquisition of properties in California, Illinois, Texas and Wisconsin. Before entering the real estate market, Milstein lived in Israel and worked for several years in building framing. His parents had moved to the new nation back in 1948 and raised three sons of which Adam was the oldest. Both he and his father are veterans with Adam’s father serving in the navy during the war of independence, and Adam’s time came in the 1973 Yom Kippur War. Adam got his bachelor’s degree from the Israeli Institute of Technology (Technion) and his master’s from USC.


Adam Milstein married Gila Elgrably and has raised three daughters and also has grandchildren. Adam and Gila believe in three principles of active philanthropy, path life impact and philanthropic synergy which have been the Milstein Family Foundation’s cornerstones. They’ve devoted not only financial but personal support for every Jewish group tied to the foundation and are also the leaders of the Hebrew language and Jewish heritage education foundation Sifriyat Pijama B’America. Adam Milstein is the president of the Israeli-American Council and he also works with Hillel International, SPME, AIPAC, The American Israel Education Foundation, UN Watch, Hasbara Fellowships and StandWithUs.

The Interdependence between Fashion and Technology

Christopher Burch, a creative investor in a chain of businesses in different industries, is the founder of Burch Creative Capital. He also co-founded Tony Burch, a luxury fashion brand. Burch has utilised his deep marketing knowledge to sell financial services, technology, consumer products, and hospitality services. His success philosophy involves the application of support, scale, imagination, incubation, and creativity to consumer goods.
Burch’s success started in 1976 while still studying at Ithaca College. They teamed up with his brother to grow a new business they had founded, Eagle’s Eye, to 165 million dollars. They later sold it to another investment chain, Swire Group. From his vast experience, Burch acknowledges that the fashion and technology industry have grown together in a fascinating way.
In the 1970s, the boom box excited its users due to its ability to carry around their favourite stations. Also, as one side played the user’s chosen music, the other could record it from a cassette. Fashion and technology are currently synthesising. Fashion designers depend on technology to manufacture what delivers.
Dutch designer Anouk Wipprecht terms the marrying of technology and style as an excitement and experiment playground. She says that the deeper one dives into this playing field, the more it rewards them with unending possibilities. She has made use of the fashion-technology combination to come up with her avant-garde designs. One example of her major works is the drink-making dress.
Technology has been engaged in advancing fashion. Bicycle helmets are not very fashionable to wear. To replace this, technology has been used to manufacture an airbag which the cyclist wears around the neck. Its purpose is to protect the rider against injuries in case of an accident, similar to the helmet’s purpose. However, it is better in that it allows a better vision of one’s surrounding while cycling. Kevin Cannon and Ashwin Rajan have come up with the Frontline Gloves that enable firefighters to gesture each other on vital information, for example when to vacate a building.
On the other hand, to be popular, technology sometimes needs fashion assistance. While Google Glass may be fashionable to technologists, it may not be to everyone. One reason is its high cost to an average person while another is the stigma for wearing glasses. Diane Von Furstenberg, a fashion designer, came to the rescue of this by encouraging her models to wear this while cat-walking. This made the glasses fashionable and popular. Technology and fashion’s future both depend on each other.

Clay Siegall and His Contributions towards Cancer Research

According to a research study, it has been shown that while cancer is caused by tobacco smoke or is inherited, there are times when cancer is unavoidable and is created naturally. The study conducted at the Johns Hopkins Kimmel Cancer Center suggests that most of the mutations leading to cancer occur naturally. According to the leading researchers of the project, Bert Vogelstein, and Cristian Tomasetti, the cells divide naturally, and many times they make some mistakes. While many of these mistakes happen in the unimportant part of the DNA, there are times when this error occurs in the cancer driver gene that can lead to cancer. If such gene gets mutated in the same cell more than a couple of times, it converts a healthy cell into cancer causing cell. While the researchers added that one could easily reduce the risk of cancer by eating healthy and maintaining their body, people cannot fully eliminate the chances of them having cancer since it happens naturally.

Clay Siegall is the CEO of Seattle Genetics and has been working towards a cure for cancer patients and to improve the lives of the cancer patients. He is also the co-founder of the company and has been working towards making the company one of the top one in cancer research since 1998. He has collaborated with many different laboratories worldwide to help them in cancer research. They aim to design therapies for cancer yo reduce the chances of relapse once the treatment is completed. The company has many different projects in the pipeline and is known for its innovative biotechnology products that are a blessing to the humans.

Clay Siegall has Ph.D. in Genetics from the famous George Washington University. He first joined Bristol-Myers Squibb of Pharmaceutical Research Institute as a senior research investigator. Due to his excellent work results, he was then promoted to the Principal scientist. But, this was not enough for him, and he wanted more from his career. He then joined the National Cancer Institute to become a staff fellow and Biotechnology fellow. It was then that he realized that he wanted to start his research and set up Seattle Genetics.


John Goullet Understands The Corporate Environment Well

Mr. John Goullet is serving as the Principal of DIVERSANT, LLC. He is the founder of Info Technologies, Inc. This was in 1994. He was its Chief Executive Officer.


John Goullet started his career as a Computer Consultant. He moved on to become a staffing account executive in IT. In 1994, he decided to float an IT staffing company of his own.


This is how Info Technologies came about in 1994. It focused on understanding well the corporate climate around his industry. Next step was to understand the IT staff needs. Now, these needs of the clients were to be matched with the personality and the skill sets of the consultants in order to get the perfect match.


This way John Goullet has grown his company, Info Technologies into a well-known and reputed company. It has won a number of awards too. It has been cited twice by Inc. magazine’s Inc. 500 for being among the top private companies in the country.


In fact, this idea for founding DIVERSANT along with an IT staffing company came to John Goullet nearly 24 years ago. Do note that he has business experience of just 22 years! But John Goullet realized long back that this was a business which had very low entry barriers. He also saw that many had done the same thing as him and succeeded too. Hence he felt that he also could succeed.


John Goullet is very regular with his work. He likes to spend some time doing a workout before leaving for office. This way he ensures that he can maintain high productivity.


He always has new ideas. These come to him through reading and looking around to see what is going on in the surrounding labor markets. A shortage of computer and IT professionals is always there. This is because there are not enough graduates with IT skills in the US. Hence the only option for John Goullet was to understand which technologies will be in high demand. Then he had to start building up a pipeline. This would be of individuals having skill sets that clients would most likely be requiring.


How Evolution of Smooth Is Disrupting The Lip Care Market

You might think that tech startups are all the rage but the lip balm business is booming. Innovation can come in many forms. It can come in the form of an app like Lyft which has helped the everyday person to completely revolutionize how they plan their trip from their home to the grocery story. It has also come in the form of websites like Airbnb which enable anyone who is a homeowner or even a lessee with an apartment to make some extra money by turning their home into a small inn of sorts where people can rent out their room or entire home on a short-term basis. While it is easy for a casual observer to see that the transportation industry and the hotel industry are ripe for disruption it can also be easy to overlook the fact that the lip balm industry is also ripe for disruption.

According a report by Global Industry Analysts Inc., the international market for “lip care products” is predicted to be as large as $2 billion. While many investors and business people overlook the opportunities that exist in the lip balm market there are a few entrepreneurs who have decided to dive into the market with full force. Some of those entrepreneurs include business partners Sanjiv Mehra, Craig Dubitsky and Jonathan Teller, who put their minds and years of business experience together to create a skincare and lip balm company that is known as EOS lip balm. While most people probably might not be familiar with the name Evolution of Smooth they are probably familiar with the company’s most popular lip balm product, a brand of lip care products that are known as smooth spheres. The company’s smooth spheres ( virtually revolutionized the lip care market in the United States with their unprecedented approach to lip care packaging. EOS is a hit with social media and has more than 1.8 million followers on Instagram and almost 7 million followers on Facebook. The company’s founders wanted to create something that was very different from anything else in the marketplace and they succeeded in that and are now reaping the benefits of their hard work according to Fast Company Magazine.


Andrea McWilliams – Noted Philanthropist And Highly Skilled Political Strategist

One of the leading ladies in the political sphere of Texas is Andrea McWilliams. She is a noted political fundraiser, lobbyist and a highly skilled strategist. Over the years, she has accumulated significant influence in the social as well as the political sphere of Texas’s politics and has helped make some positive changes. The people in the state simply love her for all the efforts she makes for the state and is famous nationwide due to her real efforts in developing the country and helping the people of her community, politically as well as socially.

Andrea McWilliams was born and raised on Congress Avenue in Texas Capitol but presently stays in a historic home with her husband and three kids in Old Enfield. Andrea has won numerous awards over the years, which further marks her talent and recognizes her efforts in improving the society through excellent management, leadership, and financial skills. In 2016, Texas Women’s Chamber of Commerce gave Andrea “2016 Texas Businesswoman of the Year” award and earlier to that she also received, “Austin Under 40” award.

The role of Andrea McWilliams as a political fundraiser, consultant, and strategist is well-covered by many leading news channels and print media publications, including FOX News, CNN, BBC, NPR, Newsweek, USA Today and the Wall Street Journal. She is the co-founder of the leading government affairs consultancy, McWilliams Governmental Affairs Consultants. She runs the company with her husband, Dean McWilliams, who is one of the co-founders too. The firm is familiar not only in the state of Texas but nationally and has clients from both the parties, Democrats, and Republican.

Andrea McWilliams, also a well-known philanthropist, was named one of the “All-Stars” in the prestigious Austin American-Statesman Fortunate 500 list. She is an active campaigner for cancer prevention and is attached to the Susan G. Komen Breast Cancer Foundation and the reputed KillCancer Initiative.

José Henrique Borghi Meteoric Rise in the Brazilian Advertising World

José Henrique Borghi is considered one of the best advertisers in the business in Brazil. He began his career in 1989 when he worked for the advertising agency Standard Ogilvy. He steadily built his portfolio of ads while working for other agencies such as Leo Burnett, Talent, DM9/DDB, and FCB. In 2002 he and a colleague, Erh Ray, decided to start their own advertising agency and thus BorghiErh was born.

In order to find further success in the field of advertising, and to gain even larger clients, BorghiErh was merged with Lowe near the end of 2006. After some further mergers, the agency is now called Mullen Lowe and José Henrique Borghi serves as the co-CEO.

Over the course of his 25-year career, Borghi has created some of the most memorable and creative advertising in the country. Among his most celebrated campaigns is one he created for Parmalat that spoke out against prejudice to people that have Down’s Syndrome. Among the major companies he has created advertising campaigns are FIAT, Honda, Unilever, Kelloggs, Procter, Mitsubishi, Electrolux, and many others.

His work in advertising has earned José Henrique Borghi a large number of industry awards. He has been awarded 11 One Show, 12 Clios, 20 Cannes, 16 Abril Awards, and won 15 awards at the New York Festival. He has also been honored as the “Agency Professional by the Brazilian Advertising Association (ABP), in 2009, and in 2014 the APB named his the Advertising Professional of the Year.

Outside of his work, José Henrique Borghi is a fitness buff and is regularly found on the jogging track. He also bikes frequently around São Paulo and commutes to work this way as well. He has also participate in 12 Ironman events which are the most grueling athletic competitions to be found.

Talk Fusion’s Founder, Bob Reina, Publishes His Second Article On MarTech Advisor

Recently, Talk Fusion’s founder, Bob Reina returned to the homepage of MarTech Advisor with his second guest article due to be published in a year. The article, Video Advertising Trends of 2017, identifies 2016’s rapidly emerging video styles and techniques, and their significance in market. MarTech Advisor requested the article. This entity is ranked among the ten leading publications that have a wide readership and shared by CMOs in their social network.

Reina said that he was pleased to share his vision with MarTech Advisor’s readers and facilitate their growth by learning why it is important to focus their marketing strategies on videos. He pitches ideas that are based on market analysis, consumer trends, and the growing popularity of videos to a firm’s IT professionals. In the article, Reina describes video as the most valuable asset to an advertiser because it is more than just an advertising platform. Bob said that this information would be imperative MarTech Advisor’s audience, particularly professionals engaged in sales and marketing.

Reina said that he took the idea of Video Mail, Talk Fusion’s initial product in 2004, because he foresaw the uncapped potential of online video. It took a while for idea to sink in people’s mind. However, in the past few years, video has become a crucial marketing tool for many corporations. Many firms around the globe are taking notice of its significance. He noted that he had returned to MarTech Advisor to offer valuable tips for executing video and reasons as to why readers need to take advantage of the trend in 2017 onwards.

Reina made his debut on MarTech Advisor in May 2016 with his first article titled, Marketing Boosts Customer Engagement and Profits. It was among the most read pieces in 2016. Additionally, Bob is a contributor for The Huffington Post. His new article will be shared to a global readership, including 1.1 million subscribers of MarTech Advisor.


About Talk Fusion

Talk Fusion was founded in 2007. Bob Reina’s objective of establishing the company was to provide innovative marketing solutions to the public. The company is committed to enabling businesses grow by offering unique ways of making their video marketing strategies more memorable, persuasive, and engaging. Over the years, Talk Fusion has offering its clients with innovative products and services, including Video Newsletters, Video Email, Video Chat, Sign-up Forms, and Live Meetings.