Warren Buffett Runs Up Against Criticism From Capital Group Leader

Warren Buffett is one of the most well respected and successful investors in the world and the second richest man in the whole of America (as of March, 2017). As such his opinions and business practices are widely followed and often imitated.

Recently, he decided to lay out a 1 million dollar investment for charity via a S & P 500 passive index fund. Mr. Buffett believes that he can get better investment returns through the aforementioned vehicle than through a whole group of hedge fund managers.

However, one man, Timothy Armour, vehemently disagrees. Timothy Armour (known to his friends simply as Tim), for those who might not be familiar with him, is, like Buffett, a highly decorated businessman and investor who is best known within the business world as the chairman and chief executive of Capital Group’s Capital Research and Management sector.

The principal point of disagreement Mr. Armour finds with Mr. Buffett lies with the investing moguls methodology. Mr. Armour explains, in a recent piece he has released, that though passive index funds can be useful and certainly can have their place in any seasoned investors portfolio, they are far from the best and most versatile option for the long haul. The reason? Passive index funds offer absolutely no protection against markets which have fallen into a downward spiral. One thing any investor who has been in the game for any length of time should always know is that bull markets ALWAYS turn and that is a huge problem for anyone who is putting most, or all, of their eggs in one passive index fund basket.

Read more about Tim Armour on Bloomberg and Angel.co.

Clay Siegall Success

Many people in business look up to those who have accomplished their goals at a high level. Clay Siegall is one of those people who is always looking for ways to grow his business and influence over the long term. There are a lot of people who are excited about the changes that Clay Siegall is making in his business. If you want to take things to the next level, you need to make sure you are investing for the future. Clay Siegall has proven that investing in technology is the way to go. He is on the leading edge of a lot of innovation within the field. Under his leadership, a lot of people are getting access to medical care that they would not without him.

Clay Siegall

When Clay Siegall was young, he always wanted to make an impact in the world. Health has always been an area that interested him, and he started to work in the field of biotechnology when he got out of school. Although the beginning was hard, a lot of people started to think about the future and how he could help them over the long term. Not only that, but a lot of people are excited about the changes that he is making to his business to further drive profits and growth. If you want to excel at a high level, you have to have passion for your work and business. Clay is a great example of the hard work that a lot of people are doing in this area.

Final Thoughts

Over time, Clay Siegall has done a great job in business. Not only is he running a profitable company, but he is also looking at areas that make sense for future expansion. Not only that, but he is also investing in the local community to help others as much as possible. This is pretty much what Clay Siegall does in order to drive growth and change over the long term. Not only will he start to help others as much as possible, but he wants to make money while doing it.

Fabletics: Using Reverse Showrooming to Beat Amazon

By now, you have certainly seen all the Fabletics advertising featuring oh-so-cute Kate Hudson. She’s part owner of this new brand and ready to beat Amazon, or at least pose a threat to Amazon, in their apparel line.

 

What can Fabletics do?

Well, Fabletics can’t instantly morph into a giant such as Amazon. However, Fabletics can use a little creative marketing to lure away customers. The first step of that process is to offer prospective customers a great deal to introduce the product and build interest. To maintain customers after that introduction, Fabletics uses their subscription service.

 

Many people have a bad feeling about subscriptions. Images of plies of unread books, unopened magazines and useless cosmetics fill people’s minds. Fabletics takes on that image headfirst by restructuring subscriptions.

 

A Fabletics subscription is a process controlled by the customer, unlike so many of the unlamented olden days subscriptions. If you don’t want a delivery this month, let Fabletics know and they won’t deliver anything nor charge you for anything. If you don’t love what you are sent, return it for it for store credit or refund. By taking the sting out of subscriptions, Fabletics is making it fun again.

 

How is Fabletics using Reverse Showrooming?

Not so long ago, brands introduced themselves to the public by opening brick and mortar stores. They stocked those stores with samples of their wares to attract customers into their shops.

 

As they did with subscriptions, Fabletics is doing with showrooming. First, Fabletics introduced themselves to the public through a substantial publicity campaign. From there, they developed a base of loyal customers through the subscription process. Now, with loyal customers eager to use their loyalty points and discounts, they are opening stores.

 

Even with stores, Fabletics is doing things a little differently. Rather than opening 50 stores across the country with identical stock, Fabletics is using the data collected in each locality to open a shop stocked with apparel that area will like. This is an ideal way to build on the data collected in the subscription process.

 

Curating Your Collection

Fabletics uses the sales data both to stock the new stores, as mentioned above, and to select clothing for your next delivery. As time passes and you keep and return some clothing, Fabletics adjusts what you are sent to more closely meet your needs and tastes. A Fabletics stylist selects your order each month. Over time, you end up with a collection custom-selected for you.

 

This process is profitable for customers and Fabletics. Customers receive clothing they really like and Fabletics completes successful sales and learns more about their customers each day so they can build tomorrow’s look.

 

Fabletics and Amazon: Let the Battle Begin

Using all of these tools, Fabletics is poised to assault, or at least take a good run, at Amazon’s %20 clothing eCommerce market share. Fabletics may never be as large as Amazon, but neither can Amazon be as small as Fabletics, offering the customized service that is building great loyalty.

Helps People Live Their Lives

There are a lot of banks that are helping people getting a loan for their home to have a great experience. They have now focused their funding on Seniors to help them stay at home or to get the home of their dreams.

What They Do

The biggest thing they have done is to help Seniors get homes is by increasing their funding for these types of clients. They are offering more money to help them get their homes worked on in order for them to continue to live there. This makes a huge difference to people that are looking for their home repairs or to even purchase a home.

Why Seniors Need Funding?

There are several reasons seniors may need funding. The biggest is to help repair a home that has fallen into disrepair. By getting funding they are able to stay in the home that they have known for a long time. This also helps them to not worry so much about where they might have to live if they couldn’t repair their home because they can stay there.

Another reason a senior might need this kind of home funding is to do updates such as wheelchair ramps or adding rooms to help them with the ordeal of aging. This can help them to stay in their home for many years to come.

Any senior that is looking for funding should look into Nextbank for their funding needs. They can learn how it will help them and help them to get the money they need. They should take time and decide what they need for funding and what will be the best options for them. That will make a huge difference in your funding and will help you to be happy with the funding they are getting from Nextbank.

 

End Citizens United’s Road To Political Funding Reforms

End Citizens United was established March 1st, 2015. It is a Political Action Committee financed by working class donors. It is devoted to opposing the devastating effects of Citizens United and restructuring the national campaign funding system.

The PAC aims to prove to the experienced political personalities that ordinary folks are tired of traditional voter buyouts on OpenSecrets.org from billionaires that try to manipulate elections. This bold move will build a broad coalition with a goal of campaign funding transformation and pushing legislators to take action.

End Citizens United’s Ambitious Political Plans
The End Citizens United PAC remained committed to campaign for finance reform and planned on channeling millions of dollars to support Democratic candidates vying for various elective posts in the house and senate pursuits across America. End Citizens United raised over $2 million from ordinary grassroots donors. End Citizens United’s target is to collect a total of $30 million for the election cycle.

The team hoped to pass a constitutional amendment to repeal the Supreme Court’s decision which it allowed super PACs in 2010 to give free rein to blood money into politics on Facebook. Currently, over 325,000 people signed the petition ordering Congress to pass the new law. The group aligned with Ready for Hillary campaign team and rented out their mailing list of about four million people in an attempt to lure possible liberal supporters.

End Citizens United also announced its backing of 11 Democratic candidates, such as Sen. Michael Bennet of Colorado and Sen. Russ Feingold of Wisconsin. End Citizens United is different from other PACS because they used a strategy that embraced candidates who supported the campaign finance reform, those who opposed Citizens United, and those under attack from the wealthy conformist Koch brothers and dark-money factions. The group set up a self-regulating spending to fiscally back their candidates through polling, television ads, and direct mailers on secure.actblue.com.

Rick Hasen, a political scientist, law professor, and campaign finance regulation expert at UC-Irvine Law School said that the law could only be changed with a new Supreme Court justice — who could swing the court’s decisions. Hasen further expressed that End Citizens United and other like-minded groups do an excellent job of engaging the public on the Supreme Court’s decision and applying pressure on political players to contain the situation.

End Citizens United did not support the Republicans despite the fact that they too agree that anonymous political expenditure is out of control. They blame the congressional Republican leadership for blocking the unsuccessful Supreme Court decision. The group took pride in receiving 136,000 donations and increasing its grassroots backing with an average gift of $15.

End Citizen United has a team of five workers with bright minds like Valerie Martin (2006 Sen. Claire McCaskill’s campaign), and Reed Adamson (Brad Schneider’s campaign manager during his Illinois Rep 2012 win).

Giving Back To the Community: Betsy Devos’ Philanthropic Works

Betsy DeVos is a dedicated humanitarian, education advocate, and a proven leader. Together with her husband Dick, the DeVoses have been helping the less fortunate in society, funnelling millions of dollars towards education related courses throughout America and financing republican campaigns all over the country through the Dick and Betsy DeVos Family Foundation. Founded in 1989, dbdvfoundation.org serves the community through leadership, arts, justice, and education. Betsy DeVos is actively involved with the community. She has sat on several boards of directors including the Philanthropy Roundtable, University of Maryland’s DeVos Institute for Arts Management, Foundation for Excellence in Education, the American Enterprise Institute, and ArtPrize. She is American Federation for Children former chairman.

Personal Life

Betsy is married to Dick DeVos, a community activist, philanthropist, and entrepreneur. The couple has four children, and five grandchildren. She attended Holland Christian High School and later Calvin College in Grand Rapids where she attained a Bachelor of Arts degree. Betsy DeVos is the former chair of The Windquest Group, a private management and investment firm based in Michigan. She has been active in the political scene for more than three decades. She is the four-time chairman of the Michigan Republican Party. Until her recent appointment as the education secretary under the Trump administration, Betsy DeVos was using her political efforts to advance education choices.

Philanthropic Works

Many of the beneficiaries of the Dick and Betsy DeVos Family Foundation are individuals, or organizations that come up with programs meant to support and uplift the community in either of the aforementioned fronts. Most of Betsy’s charitable activities reflect her family’s conservative Christian beliefs and political views. Here are some of the most recent philanthropic activities the Dick and Betsy DeVos Family Foundation has been involved in over the last two years.

The foundation funded Campbell Brown’s education site. The former CNN news anchor received $400,000 through The Partnership for Educational Justice her non-profit organization devoted to the enhancement of education for the less fortunate. The Dick and Betsy DeVos Family Foundation has donated over one million dollars to the Washington DC-based American Enterprise Institute for Public Policy where Betsy DeVos sits on the board.

The foundation has also donated hundreds of thousands of dollars to a vast array of Christian related educational organizations including the Christian Schools International, Rehoboth Christian School Association, the Ada Christian School Society, and the Grand Rapids Christian School Association. Universities and colleges have not been left behind. The foundation has donated to numerous colleges and universities in Michigan and all over the country.

Some of the major beneficiaries are the University of Maryland’s college park foundation who received half a million, Davenport University, and Ferris State University both in Michigan received $155,000 and $113,500 respectively. The organization provides financial help to many other community organizations throughout America.

Products Offered by Wen by Chaz Dean

If you want something for your hair that is still healthy for your hair but smells great, WEN hair just added Pink Jasmine Peony to their signature scents. The new scent is a limited time product so if you like the smell of it and want to continue using it, you will want to purchase a number of them all at once so that you do not run out before they bring it back again. During certain times of the year there will be products released that are considered to be signature scents and this is just one of them they choose to use. Check out the Wen hair Facebook page: https://www.facebook.com/WENhaircare/

Did you know that Chaz Dean also makes other items and not just items for your hair. There is a perfume that has been made as well as a body lotion. The body lotion is going to allow your skin to become hydrated without adding any grease to your body. Many of the store lotions you purchase will leave your skin feeling greasy and they usually really don’t replenish the moisture in your skin. The lotion by Chaz however is going to leave your skin feeling new by adding orange peel oil, amino acids and even adding vitamin K to your skin. These ingredients are vital for replenishing your dry and cracked skin.

If you suffer from skin conditions, you know how hard it is to find something that can be used to help you stop itching and digging yourself. The lotion by Chaz is just one of the things you can rely on to help you get over this problem. By purchasing the lotion, you will see what healthy skin is like and you will not go back to the store bought lotions ever again. It wont take a lot of lotion for you to see what a difference it is.

If you like products that go with the seasons, the Winter Vanilla Mint is one you may want to try. You can purchase the products from QVC. Oil, replenishing treatments and mouse are available all in this same fragrance. The products will leave you smelling like a winter wonderland with the added mint which most people will associate with the Christmas season. The smell can be used all year long instead of just during the winter months.

Source: Wikipedia.org

 

Sujit Choudhry and His Contributions to Comparative Law

Comparative law is the branch of law that is concerned with the analysis of the different types of legal systems in existence. Some of the types of law include Chinese Law, common law, socialist law, common law, and civil law. It is the detailed study of these types of law even when no comparison is made between them. Comparative law has become increasingly relevant today and informs other branches such as law and economics and sociology of law. It shows how different regulations work to solve the same problem in economics. It is important to note that it is very different from international law or legal theory. The branch helps international organizations such as the United Nations to draft treaties according to the laws of different nations. It also aids in gaining insights on the idea of legal transplants which is the transplanting of laws from one system to another. See more.

 

Sujit Choudhry is one of the top experts in the field of comparative law. Choudhry joined McGill University in 1988 and graduated with a Bachelor of Science degree in 1992. He then went on to join the University of Oxford as a Rhodes Scholar where he pursued a Bachelor of Arts in Law. He joined the University of Toronto in 1994 and graduated two years later with an LL.B. Sujit started his career as a law clerk at the Supreme Court of Canada in the office of the Chief Justice. He left the job after a year to pursue his Master’s degree at Harvard Law School. Sujit returned to the University of Toronto as an assistant professor of law after graduating. He retained this position for five years until 2004 when he was promoted to associate professor of law with tenure. He was appointed as the School Chair of the faculty of law of the University two years later. Have a peek at this website.

 

Sujit Choudhry was a global visiting professor of law at the New York University School of Law from September of 2008 to December of the same year. He made a permanent move to NYU in 2011 when he was appointed the Cecelia Goetz, professor of law. Sujit left NYU to become the dean of the school of Law at the University of California, Berkeley three years later. He held this position until 2016 and is currently the I. Michael Heyman Professor of Law at the school. Sujit Choudhry founded the Center for Institutional Transitions in 2012 when he was a professor at NYU. The center mobilizes international researchers to work together on projects and come up with solutions for policy makers. The center works together with legal institutions, universities, and non-governmental organizations to realize its vision.

 

Visit his page at twitter.com.

Capitol Anesthesiology Aiding Patient Surgeries

Capitol Anesthesiology Association located at 3705 Medical Parkway in Austin, Texas is a network of board certified anesthesiologists. They’re strictly involved in providing quality anesthesia and related care for all types of surgery; in-patient and out-patient applications. The network consists of physicians and qualified assistants, known professionally as, Certified Registered Nurse Anesthetists (CRNAs). Their job is to solely focused on patient care during anesthesia applications; in preparation and during and after surgery at either a hospital facility or a clinic. The most important aspect of Capitol Anesthesiology Association is assuring patients of their safety and well-being while under sedation. The services they provide include continuously monitoring patients throughout surgeries.

Capitol Anesthesiology is considered a registered Association, but it’s more than that, it’s also a medical care giving business. The physicians and CRNAs work as a team to administer anesthesia to depress the sensation of pain and discomfort during surgery. The facilities they serve include Pediatrics Centers, Orthopedic Centers, and various Surgical Centers and Surgical Hospitals throughout the Austin area. Anesthesia is a specialized medical area, with warnings and risks associated with being under the effects of “controlled” unconsciousness.

The team at Capitol also volunteer with several non-profit organizations to help the economically disadvantaged and those with physical or mental impediments. One of the non-profits Capital Anesthesiology Associates assist is the “Eels on Wheels Adaptive Scuba Program.” The participants in the program are taught how to adapt to their handicap in order to receive certification as Scuba divers. Follow them here https://www.linkedin.com/company/capitol-anesthesiology.

How Athleisure Brand Fabletics Is Winning The Reverse Showrooming Game

If brick-and-mortar stores are the new showroom and are no longer serving as a point of purchase for some customers then digital fitness wear brand Fabletics is choosing to embrace this new development rather than fight it. For retailers that are not digitally native and expect to pull in a lot of revenue from their physical stores the internet is still proving to be a disruptive force. Shoppers are often using all of the channels that are available to them in order to find the best deals that they can. This can mean that they are choosing to visit storefronts not to make purchases but to learn more about products they are interested in by seeing them in person. After they have experienced a product at a physical storefront they might make the ultimate decision to purchase the item but it is not guaranteed that they will be purchasing the item from the store they saw it in. In a move that has probably bewildered many salespeople these inquisitive customers are choosing to turn to the internet to make their purchases. There they can often find more competitive prices than they can at physical stores.

 

Fabletics has figured out how to make this phenomenon work for them by offering exclusive designs on their offline and digital sales channels that cannot be found at any other retailer. The brand also isn’t expecting to necessarily capture all of its customers in a physical store front. In fact up to 50 percent of its customers have already developed a strong relationship with the brand by the time they go to a Fabletics store. According to Forbes.com between 30 percent to 50 percent of Fabletics’ offline customers are also subscribers to its monthly VIP membership program. Customers that are new to the innovative monthly membership program can sign up in-store. Fabletics has chosen to see its relationship between its digital and offline portals as symbiotic and reciprocal rather than being in opposition to one another. These channels can be used to strengthen one another when they are viewed as simply being different kinds of experiences that speak to the wide variety of expectations that customers have for their shopping experiences. As Forbes.com notes the process might be called reverse showrooming where the in-store experience continues to add value because of the exclusiveness of the product and the fact that Fabletics has a strong online presence rather than being a company that started out earning all of its revenue from brick-and-mortar stores.

 

Even though the company was founded in 2013, a mere four years ago this year, it continues to show extraordinary growth. A corporate marketing officer for TechStyle, the company that owns Fabletics told Forbes.com that the company has grown at a speed of 35 percent each year. The growth that Fabletics has experienced has been attributed to the brand’s success at delivering clothing that doesn’t skimp on quality at an affordable price point, its creative talent and the sincere brand ambassador that it has found in its co-founder actress and fitness enthusiast Kate Hudson. Hudson has proven to be a relatable brand advocate whose lifelong appreciation for physical activity, women’s empowerment and health has connected with Fabletics largely female customer base.