Buffett’s Advice Is Wrong For Retirees, Argues Armour

Warren Buffet is often looked to as a sagacious source of information, particularly those readying for retirement by looking to invest some of their wealth to build a more reliable nest egg. But in a recent op-ed, fellow investor Tim Armour points out why Buffett’s method of passive investing may not be as effective for the people who hang on his every word.

Buffet’s method of bottom-up investing has made good use of the S&P 500 passive index, and he regularly urges those that look ton him for advice to stick with these funds because of their low risk and high potential for gains. While low risk may be attractive to retirees, Armour as the chairman of Capital group argues that the unusual length of the current bull market has made many forget that once the market turns they become just as volatile as an active fund. For those preparing for retirement this does not help build a healthy portfolio.

Follow Tim Armour on LinkedIn.

Armour instead suggests that new investors not become so fixated on minimizing risk solely by looking through the passive index. Instead, Armour suggests that they do as he has done, and look to managers who are investing their own money into their funds. This willingness to sacrifice personal capital in order to see a fund grow isn’t just confidence, it’s an indicator the fund it set to grow.

Following this method, Timothy Armour found that he received returns that were 1.47% higher than the benchmark indexes on a per annual average after fund expenses were factored in.

Learn more about Tim Armour: http://www.pionline.com/article/20151014/ONLINE/151019956/capital-group-samsung-asset-management-form-strategic-partnership-in-korea

Thinking Outside The Tube

Ever see someone bust out a ball and start using it as lip balm? That’s EOS (most likely). Evolution of Smooth is what EOS stands for and smooth is what they are! EOS has become the second leading company for lip balm, just behind Burt’s Bee’s, in only 7 years. How did a new startup beat out companies like Chapstick and Blistex? By changing the way we look at lip balm. Studies showed that women simply were not satisfied with using the lip balms they’ve been using, and often lost it all together. EOS said that’s unacceptable!

Ditching the tube was a no brainer. EOS lip balm wanted to be innovative, so they designed a ball type container that makes a fun click sound when you close it. This design has now been used by multiple companies due to the fact that this simple design has converted many customers. The tube got lost in handbags constantly. This new design makes it hard for this product to slip into an unknown tear in your makeup bags!

Marketing was the next key to this company. EOS knows exactly who they want to market to: millennial women who like to keep up with current styles. Miley Cyrus, Kim Kardashian, Taylor Swift, and even Brittney Spears are just a few of the celebrities EOS has promoting them! EOS has even been featured in multiple music videos. They do still have ads in magazines and whatnot, but EOS has utilized social media and all the different resources the internet has to offer. To get an example of the following this company has developed over the years, the company can post one photo of a new flavor and get around 40,000 likes. For more info, please visit evolutionofsmooth.com.

Interested in EOS? Try out their shaving creams and lotions too! EOS products are available on your local Walgreens, Walmart and Target stores nationwide!

To order online, check out the following links below:



Julie Zuckerberg is an Experienced Recruiter

There are some recruiters who stand out among the rest because of the work that they do and all that they have to offer, and Julie Zuckerberg is one of those such people. She is someone who knows what she is doing and who has much to offer to the world. Julie Zuckerberg is someone who is experienced at what she does and who has spent a number of years in the industry. She has over a decade of experience working as a recruiter. She is the Executive Recruitment Lead at Deutsche Bank and she does a great job of working there.


Julie Zuckerberg has education in a variety of areas and she is well rounded because of the education that she has received. Her schooling includes a Philosophy degree from the City University of New York. She uses that degree in her work along with the other schooling that she has received. She attended New York Law School and learned a lot through her time there. The education that she undertook was important to her and all that she learned in each type of schooling influences her today and the way that she lives out here life.


Julie Zuckerberg started getting experience in the recruitment industry soon after she finished her studies. She started working for the Hudson Company in 2002. She worked for that company as their Director of Candidate Placement and she did a great job as she worked for them. She worked for that company for five years, and in that time she provided them with help in recruiting attorneys, paralegals, support staff, and case managers. She was responsible for recruiting those who would be working in both temporary and permanent positions. After she left the Hudson Company, Julie Zuckerberg joined the Citi Group and started to provide them with much needed assistance.


When she is not working, Julie Zuckerberg has a number of interests that keep her busy. She has many causes that she likes to contribute to and there is always something going on for her. She is active in the world of civil rights as well as the fields of science and technology. She is interested in helping those who are in need of help, and one of her interests is economic empowerment. She cares about both humans and animals, as is evidenced in her animal welfare work.


Julie Zuckerberg is someone who is well rounded and who has much to offer to the world. She has been working for a long time in a field in which she has become someone to look up to and respect.