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Active versus passive investing. Mr. Warren Buffett believes that passive investing makes for a greater long-term return than active investing. He is so sure about this claim that he is willing to bet 1 million dollars – which will go towards charity – that he can achieve this result up against a group of active fund managers by investing in a S&P 500 passive mutual Fund. There are many facts that supports this claim as Timothy D. Armour elaborates this notion.

Warren Buffett believes in the bottom-up investing approach. Timothy Armour agrees that critical analyzing of companies and constructing a solid portfolio is the right approach to a wealthy retirement and Warren Buffett is the prime example of a wealthy investor who continuously delivers the message that, Americans need to get on board with saving more for retirement and making the smartest investments.

Warren Buffet also believes that low-cost is a key component to greater returns from your Investments. Passive Investments definitely have an advantage over active investing in that regard which strengthens his claims. Finding the best fund managers intels two approaches – according to extensive research and experiments – and finding a fund manager with low expenses – low-cost funds – is one them. The second approach is high manager ownership – mainly uses much of their own money. Fund managers that intels these two components makes for less expensive investing.

Having better outcomes than the market over the long run is not luck. During good and bad markets, Timothy Armour’s firm has averaged 1.47 percentage points above the relevant annual index benchmarks. Who is Timothy Armour?

Timothy Armour is a portfolio manager out of a Los Angeles office. He holds a title as a chairman and chief executive officer of Capital Group, Inc. He has 34 years of investment experience.

He joined the Capital Group Company, Inc in 1983 where he began his career as a participant in the associates program. He managed to obtain a bachelor’s degree in economics from Middlebury College. In addition to his extensive resume, he is also an equity portfolio manager and the chairman of the Capital Group Companies Management Committee.

When it comes to active versus passive investing, Warren Buffet’s claims of passive over active investing for greater returns deems as most appropriate, especially for the long-term. Thirty-four year investing veteran Timothy D. Armour is in agreeance with this claim and the cost of active investing is a key deciding factor. Warren Buffet has many key backing factors in which strengthens his betting decision and after close consideration into his claims, he does make valuable points in which illuminates his bet.

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Plain and boring lip balms have far too long dominated the oral care market-but no more! With the birth os EOS, a new and innovative little orb that will moisturize your lips in an entirely new way, lip balms are no longer boring.

Seven years ago, EOS, or Evolution of Smooth, was born. The pastel-colored little orbs didn’t go unnoticed. Beauty editors at Cosmo and Allure raved about the new and exciting flavors like Grapefruit and Honeydew,, and celebrities were even spotted using the trendy orbs. EOS has even become the second-best selling lip balm in the country after Burt’s Bees, and has even pushed aside Chapstick and Blistex.

EOS currently sells over 1 million units a week and is projected to increase to $2 billion by the year 2020, thanks to the demand for natural and organic products-EOS lip balm’s specialty.

It all started nearly a decade ago when Sanjiv Mehra, Jonathan Teller, and Craig Dubitsky (who left EOS before its launch) put their heads together. After doing their research, they realized that the majority of the market that used oral care products were women and so they geared their product to Millennial women between the ages of 25 to 35. Not only is EOS a useful product, but it is unique and enjoyable to use.

It wasn’t easy to get into stores, but they lucked out and landed an account with a female buyer at Walgreen who appreciated their product. You can even find EOS orbs in Kohls, Walmart, Ulta and Target these days. EOS even has a large social gathering with over 1.8 million followers on Instagram, and nearly 7 million followers on Facebook Just one photo of a new EOS flavor can get over 40,000 likes. Keds has even partnered with EOS to create a shoe that matches their flavors.

Dick DeVos has so many business and non-profit organizations he’s been involved with that you could say his fingerprints have been all over Grand Rapids, MI. He primarily manages investments and subsidiary company decisions through his firm The Windquest Group, but he also has given through the Dick & Betsy DeVos Foundation. His wife Betsy was nominated for US Secretary of Education recently and in accordance with applicable laws the DeVos’s disclosed their philanthropy amounts. The final estimated numbers that didn’t even delve into the political campaigns they’ve contributed to over the years totaled around $139 million in lifetime philanthropy.


As president and Chairman of The Windquest Group, Dick invests in and acquires companies primarily based in Michigan that specialize in clean energy, food service, venture capital funding, marketing technology and educational initiatives. Prior to making this company his primary career focus, Dick was an executive at Amway Corporation, one of the longest running direct selling companies in the world. This company was founded by Dick’s father Richard DeVos Sr. who also bought the NBA’s Orlando Magic in 1991. Dick managed some of the lower level operations of Amway prior to becoming vice president in 1984, and then after three years pursuing other interests Dick became CEO from 1993 to 2002. Amway became one of the largest international MLM and distribution companies during these years bringing in $4.5 billion in Dick’s last year running the company alone.


One of Dick and Betsy’s first agendas in their lifetime giving was education, a passion found when they saw needy families sacrificing to put their children in private schools. Determined to help these families out, the DeVos’s started the Education Freedom Fund and partnered with American Education Reform Council and Children First America to support scholarship programs. While there was some benefit to these scholarship programs, the DeVos’s wanted to do something even bigger by trying to start tax credits and vouchers for private schools but didn’t succeed. They did however continue contributing to universities and private schools, and eventually they started a charter school association and opened one of their own, the West Michigan Aviation Academy.


Dick DeVos’s first political service was winning election to the State Board of Education in 1990, but he took it much further in 2006 when he ran for governor. He didn’t have the debate skills necessary to defeat incumbent Governor Jennifer Granholm, but he did continue to fight for small businesses and free market labor groups. His fight eventually led to the passing of the 2012 right-to-work law similar to that passed in Wisconsin just the previous year. As a free market supporter, Dick DeVos has been active at Heritage Foundation and the Mackinac Center for Public Policy, and he also wrote the book Rediscovering American Values.


Susan McGalla is a businesswoman who specializes in marketing and the building of marketing strategies on a broad base. She is currently Vice President of Business Strategy and Creative Development for the Pittsburgh Steelers professional football team in Pittsburgh, Pennsylvania.

Susan received a bachelor’s degree in marketing and business form Mount Union College where she currently serves on the board of advisors. She is married to Stephen McGalla, who is a wealth manager. After graduating from college, Susan went to work at the Joseph Horne Company which a retail company in Pittsburgh. She worked there from 1986 to 1994 in various marketing and management positions.

Later on, in 1984, Susan McGalla began work at American as a merchandise buyer for a division for women’s clothing and accessories. She worked her way up the ladder in more roles as manager of various posts until she was appointed as the president of the company and the chief merchandising officer. She was subsequently named President of the entire company of American Eagle. During her tenure there she was over the launching of two of the company’s major brands of 77keds and Aerie brands.  More related News on

In 2009, McGalla left American Eagle to be a private consultant for various financial concerns and retail firms. In October of 2009, McGalla was appointed to the board of HFF, Inc.

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In January of 2011, she was appointed to succeed the outgoing President of Wet Seal, Inc. and she worked there for a little over a year, when she left to form her consulting company, and she soon became affiliated with the Pittsburgh Steelers.  Related post on here.

McGalla views herself as a professional and not just as a woman. She is not a mousy, sniveling type of person anyway, but she is an executive that can get things done through people. She doesn’t put up with any nonsense which makes her equally comfortable with women or men. Isn’t that what it’s all about anyway?

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Rona Borre is the founder and CEO of Instant Alliance, a Chicago staffing, and human capital agency. She has developed the company from scratch from nothing to a 40 employee concern that bills millions in fees each year. The company places mainly technological and finance people because these are the types of employees who bring a company to the next level when such a move is needed, and they are always in demand.

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Rona Borre graduated from the University of Arizona and landed a job at a large global staffing company where she broke all kinds of records in sales. She then decided that she would build her own company. Instant Technology was formed in the second bedroom of her Chicago condo with her dog Henry at her side. Before long she was out of the bedroom and into the boardroom where she soon changed the name of the company to Instant Alliance, denoting the relationship she covets with her customers.  Click this Informative articles from her here



Tempus is a startup that was launched to help fight the ongoing battle of cancer. Tempus was founded by the founder of Groupon, Eric Lefkofsky. Currently, Eric Lefkofsky is wanting to help doctors at the University of Chicago by giving them data that would treat their breast cancer, patients. Tempus is based in Chicago. Tempus recently announced that they will partner with the University of Chicago Medicine. The startup will be providing molecular sequencing and analysis to the breast cancer specialists at the University of Chicago. This is in an effort to create personalized treatments for patients battling breast cancer.

The Chicago is scheduled to analyze the data from about 1,000 breast cancer patients. This data will help doctors uncover the patterns that can determine how a patient will react to treatment. Tempus is hoping that the data will lead to better patient treatment and better outcomes for each patient. A professor at the University of Chicago stated that while breast cancer is one of the most common cancers, there is little data on the patients that are battling this disease. Without data, this leads to doctors making a treatment decision without knowing the genetic information of the patient. With genetic information, doctors can make better judgments and come up with a personalized treatment plan.

Tempus is using genomic sequencing and machine learning to come up with personalized treatment plans. The University of Chicago is not the first institution Tempus has partnered with. Tempus is currently working with Rush University Medical Center, the Mayo Clinic, Penn Medicine, the University of Michigan, Robert H. Lurie Comprehensive Cancer Center of Northwestern University.

Eric Lefkofsky is the founder of Tempus, Groupon, and Uptake Technologies. In 2006, he launched the Lefkofsky Family Foundation to create initiatives that would enhance the lives of the people they serve. Eric Lefkofsky launched the foundation with his wife, Liz. Mr. Lefkofsky is the trustee of the Lurie Children’s Hospital of Chicago. He is also the trustee of the Art Institute of Chicago and the Museum of Science and Industry and World Business Chicago.Eric Lefkofsky is also an author, with his book, Accelerated Disruption. He is also an adjunct professor at the University of Chicago. He graduated from the University of Michigan, where he received his Juris Doctor.


MB2 Dental Solutions motto is “Built by Dentist, for Dentists”. MB2 Dental Solutions is dental management company that is wholly owned by dentists who understand what it’s like to own and operate a dental practice.

The services they offer are designed to be in the best interests of patients and the providers that they support. By availing themselves of MB2 Dental Solutions services a dentist is freed up focus their time on helping patients while maintaining full clinical autonomy.

By contracting with MB2 Dental Solutions dentists with their own practices can free up their time and employ fewer staff members. MB2 Dental Solutions offers a complete office solution which includes its many services human resources, billing and collections, marketing, procurement, business development, and IT.

Dr. Chris Steven Villanueva is the Founder and Chief Executive Officer of MB2 Dental Solutions, based in Carrollton, Texas. He owned his own practice before deciding to found this company as a way to address the problems dentists face when trying to run a business and help patients.

Dr. Villanueva has also worked as an associate dentist, Dental Director, and filled a capacity as a trainer and mentor to other dentists. Under his guidance the company has grown into one of the largest dentist-owed dental management companies in the United States. MB2 Solutions has grown to over 70 dental practices affiliated with them in 6 states.

MB2 Dental Solutions pays its staff well. According to glassdoor – – an IT Coordinator can expect to earn $15-19 an hour. Someone working in the billing department can expect $16-20 an hour while a Registered Dental Hygienist can expect $31-33 an hour.

MB2 Dental Solutions also has an active Facebook page that they update with pictures and stories on a regular basis. A recent article posted to their page shows a celebration of some young dentists who are learning dentistry at Baylor University College of Medicine.

The MB2 team also has fun together outside the office they recently posted pictures of a group of executives and staff members enjoying a trip on their “2nd annual owners ski trip”.

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The legal system is one of the most important aspects of any community. Whether talking about a city, state, or country, legal systems make a strong statement regarding almost every aspect of living for the people in the community. The legal system is based on the laws of the community. What laws are in place and how those laws will be handled is a major part of any legal system.

For many countries, the entire legal system for the country revolves around the same principles. Very few countries have a legal system that has core principles that are different within the country. While specific locations in a country may have various laws that are made for certain areas in the country, the legal system itself is the same everywhere within the country.

One of the areas of law that has many interesting views is comparative law. There are many areas of law. Each area is unique and has its own relation to law as a whole. Comparative law is an area of law that allows people to look at different legal systems and analyze the legal systems to determine the differences between the systems. Also, comparative law allows people to look into what is similar between legal systems.  Follow his works on

The law is a common profession throughout the world. Although every country generally has its own particular way of handling its law profession and its legal system, all countries tend to have some form of law in place. Without laws and a legal system, it would be very difficult for any country to function. Laws keep a structure of right and wrong in place for the citizens of the country and the various areas of the county. The legal system provides the area for the laws to be managed and maintained.  To read more about the subject, click

A law professional who has an outstanding understanding of comparative law and law as a whole is Sujit Choudhry. An internationally recognized professional regarding comparative constitutional law, Sujit Choudhry has been and continues to be one of the most respected professionals in the field of law. Currently the I. Michael Heyman Professor of Law, Sujit Choudhry has research experience in comparative law that covers multiple countries such as Egypt, Jordan, Libya, Nepal, South Africa.

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Sujit Choudhry focuses a major portion of his research and advisor efforts to constitution building processes. He has a solid understanding of comparative law and how it relates to legal systems in various countries. He is able to review legal systems in countries to make observations on how one legal system compares to another legal system.  Check for his works.


New Hampshire Insurance Company, also known as AIG faced a lawsuit filed by the previous ownership group of the NBA franchise, Atlanta Hawks Basketball and Entertainment, LLC. The lawsuit, which was filed on 13th September at the Superior Court of Fulton County, was done following a breach of contract by AIG. The claim was placed by the former manager Danny Ferry and the former AHBE management group including controlling partner Bruce Levenson.

Lawsuit Claims

The policy agreement between AHBE and AIG stated that the former was insured against, but not limited to Wrongful Termination and Workplace Torts. According to the court documents, AIG received notice from AHBE on 2nd April 2015 showing that Ferry had asserted the claim.

The lawsuit described AIG as having breached the contract and insurance of bad faith. It further stated that the insurance company had refused to acknowledge that a claim was made and that the policy was triggered. The policy between the two parties clearly indicated that AIG was supposed to pay AHBE.

However, the insurance company, as the lawsuit stated, failed and refused to pay the covered loss without any significant justification. Additionally, AIG had no basis of claiming that the request was not made.

About Bruce Levenson

Bruce Levenson, a former NBA team owner, is an American businessman and a philanthropist. In his career in basketball field, he served as a co-owner of Atlantic Hawks, which manages both Phillips Arena and Atlantic Hawks basketball team. According to ESPN, he also served as the teams’ governor and sat on the NBA Board of Governors.

Bruce also has involvement in the technology field. He contributed to the founding of Tech Target, a public traded media company, and he is on the Board of Directors. In 1977, he co-founded United Communications Group.

Philanthropic Contributions

In addition to his basketball and business life, Bruce Levenson is also actively involved in charitable contributions. He is an active participant of the Hoops Dream Foundation and Community Foundation of Washington, D.C.

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David Giertz, the President of Nationwide Financial Distributors at Nationwide Financial, recently discussed a new survey conducted by the Nationwide Financial Retirement Institute. The survey on Bloomberg questioned consumers who were either in retirement or at the most ten years away from retirement. An overwhelming majority of respondents said their financial advisors weren’t talking about Social Security at all.

This survey on clearly shows how financial advisors who don’t talk about Social Security have an extremely difficult time retaining clients. Four out of five respondents said they would change advisors if their current financial advisor didn’t talk about Social Security.

Mr. David Giertz believes one of the reasons advisors aren’t talking about Social Security is simply because the Social Security handbook is extremely complicated. The current Social Security handbook on actually has around 2,700 rules, and many financial advisors simply don’t have the time to study and fully comprehend every single one of those rules. Unfortunately, not taking the time to understand this important handbook can cost financial advisors a ton of money from prospective clients.

David Giertz is a certified broker who has passed the Uniform Securities Agent State Law Examination, General Securities Principal Examination, and General Securities Representative Examination. He has over 30 years of professional experience, and is registered as a broker with the Financial Industry Regulatory Authority (FINRA) in numerous states. A few of these states include Texas, Florida, Rhode Island, Nevada, and Colorado.

Mr. Giertz began his professional career at Skokie Federal Savings in Skokie, Illinois. Shortly thereafter, Mony Securities Corporation in NYC hired Giertz in February of 1989. In November of 1989, Mr. Giertz took a job at Financial Horizons Securities Corporation in Miami. He then joined Citicorp Investment Services in Coral Springs, Florida, in 1991. Finally, in 2006, Mr. Giertz moved to Columbus, Ohio, to take on a position at Nationwide Investment Services Corporation. Mr. Giertz continues to work for this company in an office in Dublin, Ohio.

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