Active Investing To Offset Bear Markets

On February 27th, 2017, CNBC.com featured an article by Timothy Armour, Chairman and CEO of Capital Group. In the article, Armour challenges Warren Buffett’s belief that passive index fund investing is the best strategy for the average investor. Mr. Armour agrees with Buffet’s belief that too many active funds shortchange average investors through fees and other charges. He also agrees that passive index funds have consistently done well when they have durable portfolios. However, Timothy Armour makes a strong argument that properly managed active funds can outperform passive index funds.

Timothy Armour is not making an adversarial argument in his commentary. He is makes his case by advising investors to turn to the basics of fundamental long term investing. That is, demanding good long-term investment returns and keeping costs low. Armour reminds you that passive index funds only do well in a bull market. He then argues that having a well managed active fund can out perform passive index funds in bear markets. By having the proper active funds, Armour is saying an investor can achieve more long-term wealth.

Read more: Capital Group Names Armour Chairman to Succeed James Rothenberg

Timothy Armour expresses the complexities involved with choosing the right active funds. He advises investors to use two simple filters. A fund that has low expenses and high manager ownership is essential. That is, fund managers whom invest their own money alongside investors is a good sign the fund is legit. Armour concludes his argument by stating that Capital Group’s active funds have performed 1.47 percent above relevant index benchmarks.

Timothy Armour has been the CEO of Capital Group since July of 2015. He has been with Capital Group for almost 35 years. He has been an equity portfolio manager and an equity investment analyst. He began his career at Capital as a participant in The Associates Program. Timothy Armour earned a bachelor’s degree in economics from Middleburg College.

Betsy DeVos: The Education Secretary

Betsy DeVos, education secretary of The United States of America, Philanthropist, education enthusiast and tough woman with firm opinions is a remarkable person.

In a testament to her goodwill and interest in educational matters, she has together with her husband Dick DeVos given over $139 million to a charity related to educational matters. As of now, they have been ranked at number 24 on the Forbes list of top philanthropists.

Alma Mater

Betsy went to Holland Christian High School where she graduated from. Then she went on to get her Bachelor of Arts from Calvin College in Grand Rapids, Michigan.

In other positions, she has been serving as the Chairman of;

  • The Philanthropy Roundtable
  • The American Federation for Children

Other boards that she has served on include;

  • The DeVos Institute of Arts Management at University of Maryland
  • American Enterprise Institute
  • ArtPrize
  • Foundation for Excellence in Education

So Far

When you take a look at her position as the secretary of education, you will see that she has a passion for protecting students from the brunt of an education system that threatens to ruin their lives and make them seem unaccepted.

As seen in a debacle that involved her and Attorney General Jeff Sessions, you can observe that she was adamant about letting him rescind a bill that allowed transgender students to choose whatever bathroom they wanted to go to.

Read more: http://www.latimes.com/opinion/readersreact/la-ol-le-devos-vouchers-20170218-story.html

Betsy DeVos and Education

Having a person like Betsy at the head of the education sector will sure improve a lot because over the years she has shown that she is dedicated to the betterment of education and raising the standards for them to achieve the American Dream.

She has over the years dealt with the following situations and advocated for them very seriously.

  • The transgender bathroom bill
  • The voucher programs
  • Private and charter schools
  • The education system and its reforms

The transgender issue that was brought up by Attorney General Jeff Sessions and finally Betsy was forced to sign off on it despite the fact that she was against it from the beginning.

Rescinding The Bathroom-Transgender Bill

In the heated debate that saw the Bill that had been passed during the Obama administration allowing transgender students to have the right to pick whatever toilet they wanted to use, Betsy was against this as it was advocating for intolerance towards these students.

The bill was finally scrapped but not before Betsy DeVos showed how adamant she was about the whole thing.

In Charity

She has, together with her husband, donated to the following schools.

  • The DeVos Institute of Arts Management at the University of Maryland.
  • Michigan Aviation Academy
  • Compass College of Cinematic Arts
  • Northwood University
  • Detroit Charter School Company New Urban Learning

In conclusion- Betsy is a remarkable woman with a genuine interest in education having gone as far as to get to where she is now.

Follow Betsy on Twitter

END CITIZENS UNITED: SEEKING TO ENHANCE CAMPAIGN PROGRAMS IN AMERICA

End Citizens United is a political action committee that was established in 2015 in the month of March. The organization’s aim is to reform its campaign finance systems and curb the effects of Citizens United which introduced lots of illegal money in politics. It is financed by donors from the grass root levels. The role of the organization also is to do away with the fact that the rich people of the country buy the election. The organization will also work towards directing the lawmakers to take appropriate measures on the people violating the law. The aim of forming the End Citizens United is to destroy all the political systems that are rigged and to stop the usage of a lot of money in politics. These activities will play a big role in ending the era of dark money and overturning Citizens United. The organization intends to implement the activities by electing new candidates, making use of the grassroots membership to demonstrate political power and making the issue of money in politics as a national priority.
The organizations board is headed by leaders that are very committed in electing Democratic champions and also in helping in overturning Citizens United who will bring back the power to all the Americans thus empowering everybody as opposed as to a few individuals. It is planning to provide funding to Democratic candidates vying for various posts across the country. The group will pass amendments that will spear head in reversing the Supreme Court decision. Up to now a large number of people have signed the petition for the the bill to be passed. They will get support because of the number of people who have signed and also because of the fact that they have partnered with other organizations that will help them reach out to potential liberal supporters.
End Citizens United is hoping to coming up with a strategy of financing the campaigning candidates with initiatives like television advertisements, direct polling and direct mailers. Furthermore, the group wants to enact the campaign reforms on the state levels and also local level. It has financial experts who are looking closely at the constitutional amendments of overturning the Supreme Court decision of 2010. The amendments must win the consent from three-fourth of the state, two thirds of the house, and the senate. The organization is not supporting the Republicans because they are not backing up the finance reforms. The group has raised money from small donors and is still on track to raise more cash to take them through the entire cycle. The group is encouraged to go on with the public awareness of the Supreme Court decision as it keeps political pressure on the political parties and the Supreme Court.

Making Money With Real Estate

A lot of people today are interested in learning how to build their investments for the future. There are many people excited about the changes that are coming in the industry. Not only can you make a positive impact in the future, but you can also start to build more cash flow for your monthly purchases. With all of the changes that have taken place recently, you need to make sure you have a plan in place for success. After the last housing crisis, it is important to do everything you can to prevent another one. Many people today are excited about the future possibilities coming from this area. Many young people are starting to move from renting to owning, and this is causing a massive housing demand that we have not seen in a long time.

Sam Boraie

If you want to invest with someone who has a track record of success, Sam Boraie is your person. There are a lot of people who look up to his hard work and success. Not only will he help you get to the next level in life, but he is also someone who is trying to invest for the future. With all of the new changes in the economy today, he is on top of things and will continue to succeed at a high level. If you are someone who is ready to take things to the next level, you should read everything you can about his work on this subject. He is known around the country as a real estate developing expert, https://www.statetheatrenj.org/board-of-trustees.

Balancing Equity and Cash Flow

One of the great things about investing in real estate is the fact that you can get bot cash flow and equity growth from your investments. However, there is usually some sort of balance between the two. A lot of people would rather have cash flow to help with things in the short term. However, the real wealth is build through price appreciation over time. This will help you in a variety of ways. If you can hold your real estate investment for ten or fifteen years, you will have built a lot of paper wealth through the price appreciation. This is why investing when the market is down is so lucrative. A lot of people are excited about the changes that are coming, and the positive work that Sam Boraie is doing in the local community.

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