Tim Armour’s Insights On Retirement Funds

When we think of retirement investing, there is often a lot of confusion about which funds would give us the greatest nest egg when we have reached the end of our working years. Some investors, such as Warren Buffett, have claimed that fund managers will mismanage funds and that a better return could be earned by just investing in funds that mirror the S&P. He seems to be right this year. But then again, it is currently a bull market.

Tim Armour, an avid investor and fund manager says that Buffett’s views are very shortsighted. What investors should be looking at, claims Armour, is not just whether or not the funds closely follow an index, but how the funds are being managed and how high their expenses are. The downfall of a fund is not usually only its investments, but its high expenses and the fact that the managers have no buy in. Tim Armour says that investors should be moving their investments towards funds that have low expenses and high management ownership. This means that money is not being wasted in the fund and that the hedge fund managers will have an active interest in the fund itself.

Tim Armour graduated with his Bachelor’s degree in economics in 1982. He soon joined the Capital Group and has been working there ever since. Since starting, he has moved through the ranks as an equities analyst, fund manager, CEO, and Principal Executive Officer. He also is a Fund Advisor at Capital Research and Management Company and holds several board memberships, including on at Capital Group, Capital Research and Management Company, and the AMCAP Fund.

Through this wealth of experience, he has been able to steer investors to the funds that will provide them with the returns they want for retirement. Tim Armour is currently located in Los Angeles and continues to give back to his alma mater.

Reference: http://www.investmentnews.com/article/20150729/FREE/150729863/capital-group-parent-names-armour-chairman-replacing-rothenberg

The Truth Behind Wen By Chaz Cleansing Conditioner

All companies that are manufacturing or marketing hair care products always claim how good their products are. These claims can be misleading at times. Hence it is best to get a real user review or else, try it yourself to know the reality behind these claims.

The Wen hair cleansing conditioner can work on any type of hair. This is really an attractive feature as most of us have some kind of problem with our hair. Either our hair is too oily or too dry. Or else they are too frizzy and dull. Besides, they are exposed to a lot of pollution and rough use through the day. But all of us still want that our hair should be perfect, shiny and bouncy.

Hence it was a good idea to try out this product. Another thing to be tested here is regarding its claim to be an all-in-one product. This means that there is no need to have an additional shampoo, conditioner or a styling product. This product is everything rolled into one. This means less mess in the bathroom, less expense as well as lesser effort in applying so much to the hair each time they are washed.

The fact is that whatever claims have been made here, have been proved to be true. The hair definitely becomes more bouncy and lustrous. The Chaz cleansing conditioner needs to be applied daily. But the impact lasts through the day. This may not be the case from the very beginning, but eventually, the impact remains for longer and longer. Also, there is a higher quantity of conditioner to be used here as compared to the shampoo that you may have been using till now. But the reason behind this may be the fact that the product is much more than just a hair conditioner.

Wen hair care products are available online via eBay and Guthy-Renker. Also see, http://www.qvc.com/beauty/wen/_/N-rhtyZ1z141dz/c.html.

Julie Zuckerberg – One Of The Most Prominent Faces In The Talent Acquisition Space

The field of talent acquisition has been going through a major transformation in the past few years that has helped small to large enterprises to identify skills in the industry as per their requirements and hire accordingly. Hiring the right talent is essential for the company’s growth and expansion. Julie Zuckerberg is one of the prominent figures in the field of talent acquisition in the United States. She has over fifteen years of experience in the industry and has worked at various companies over the years in different sectors, such as insurance, finance, talent acquisition firms, recruitment and staffing companies, and more. Some of the major companies Julie has worked for in the past include Citi Group, New York Life Insurance Company, and Hudson. At present, she is working with one of the world’s finest investment and global banking banks, Deutsche Bank, as Talent Acquisition Lead.

Julie Zuckerberg has reached her current position in the field and achieved success in a short period, especially due to her passion for the field and her determination to succeed. After working her way up from scratch, she has gained personal experience that helps her make quick logical decisions.

Her inputs in cracking major talent acquisition leads have proved to be vital for the organizations she has been associated with. Based in Manhattan, New York, Julie Zuckerberg likes to stay associated with many other interests other than her work, which includes animal welfare, economic empowerment, health and fitness, traveling and arts and culture. She likes to stay active and is always on the move. Her dynamic personality and will to succeed are notable in the field that’s always developing and evolving.

Thanks to her keen eye for details, Julie Zuckerberg develops recruitment and staffing strategies that are aligned well with the key organizational goals. It helps in achieving the results and guarantees the results. Moreover, she also trains the workforce through seminars and training sessions that enhance the overall productivity of the organization. She has done graduation in Philosophy from the City University of New York-Brooklyn College and completed her studies in Law from New York Law School.

At her present role as Talent Acquisition Lead in Deutsche Bank, she is responsible for managing high-level recruitment offers for various clients in the field of Infrastructure, Private wealth and commercial customers, asset management companies, IT companies, and more. One of the biggest challenges that Julie regularly faces in the field is reducing the attrition rate, and she devises bespoke recruitment strategies to ensure it remains at the lowest. To provide low attrition rate, she counsel leadership, and aids in the implementation of best recruitment practices that helps in enhancing the work environment and develop positive work culture.

Global talent acquisition is also one of her responsibilities, and as the world has become one global village, it has become essential to hunt talent across the borders for better performance and enhance the productivity of the enterprise.