Tim Armour: Warren Buffet’s Investment Strategy is not Watertight

Tim Armour has questioned one of Warren Buffet’s investment strategies. Armour has challenged Buffet’s confidence in passive index fund investments. Buffet had bet $ 1 million dollars on the fact that he would get better returns by investing in a Passive Index S&P 500 Fund than in a group of hedge managed funds. Tim feels that though Buffet might win that bet, his investment strategy is not watertight. It also carries a serious investment risk just like mutual funds. It is, thus, not wise to follow Warren Buffets investment strategy blindly. A careful assessment of the fund’s performance in the past is necessary.

Tim agrees with Buffet on the fact that thousands of mediocre mutual investment funds that shortchange investors exist. However, before taking the risk and investing in Passive Index funds, it is important also to note that there also exemplary funds that yield good returns for investors. What matters most, therefore, is a careful analysis of an investment. One of the factors to consider while investing should be if the managers of the fund in question have themselves invested in it. The other consideration should be the fund’s expenses. It is wise to invest in low expense funds whose managers have invested heavily alongside other investors in the fund. Investment risk is everywhere, and passive index funds are not always safe as Buffet posits and learn more about Tim.

Tim Armour

Tim Armour is an experienced investor with more than 35 years’ experience in equity and financial investments. Currently, he is the CEO and chair of Capital group, a global investment firm. He was elected the chairperson and chief executive officer of the group in the year 2015 after the demise of the company’s founder. Tim joined the capital group back in the year 1982 through its associate’s program. He has served in various positions at Capital Group, including an equity investment analyst. Before joining the Capital group, Tim had studied Economics at Middlebury College and more information click here.

Tim has expressed optimism on the post-Trump market changes. He has noted that after trump’s election markets have witnessed faster growth and interest rates have soared. The Trump changes seem to have startled the markets. The markets now appear to be waking up from the distress of the 2008 global financial crises. Tim states that he is confident that Capital’s Strategic partnership with Samsung Asset Management will be a viable venture. He expected the funds specifically designed for the Korean markets would be productive. Regarding the 2015 sell-off triggered by China’s economic woes, Tim says that the move was expected and healthy. He says that this form of market correction removes excess money from pockets and Tim on Facebook.

More visit: https://www.investing.com/members/201172589

Jose Henrique Borghi Secret to Success

Jose Henrique is the founder of one of the largest advertising agencies in Brazil, Mullen Lowe. Jose Henrique Borghi started his career journey in 1989 at the Standard Ogilvy, and over the years, he has become a label in the advertising industry. His company has been awarded several campaign ads including Parmalat that featured stuffed animals, Sazon, and Fiat. Being a successful business, one would expect Jose to lead a complicated life, but he revealed otherwise in an interview.

He uses sports to handle his ever tight job routine

Other than running Mullen Lowe Brasil, Jose is an active sportsman which he uses to help him handle his demanding work routine. He lives near his workplace and always carries a backpack with sneakers and shorts, and if he arrives from a trip, he will change in the sports clothes and go running home.

He believes everyone has time; it’s just a matter of discipline

Many people claim they have no time to carry out some duties, but Jose believes that having a controlled and dynamic daily routine can give you time for work and personal stuff. For instance, he makes a point of dining and sleeping at his home every day. Over the weekends, he spends time with his kids. Click here to know more.

Advertising career

His passion in advertising started when his sister took him to a Castro Mendes Theatre show. Although he wasn’t sure what to expect when going, Jose knew what he wanted to do with his life when he left the theater. Today, he has a made a name for himself in the Brazilian advertising industry being the president of Mullen Lowe, the third largest ad agency in the country.

The ad agency has over 300 employees and takes pride in several advertising awards, an indication that the agency is on the right wave. The company’s achievements can be credited to their focus on helping clients achieve success and fame in the highly competitive market. They focus more on bringing results to each specific customer.


Cancer Treatment Centers of America’s New Clinical Pathways Program

The Cancer Treatment Centers of America (CTCA) has recently collaborated with NantHealth and Allscripts to start Clinical Pathways. Clinical Pathways is meant to assist in cancer treatment processes. It does this without disrupting the doctor’s work plan. The program eliminates the risk of clinicians employing guesswork arising from new research data. This is achieved by providing all the necessary treatment options with patients able to choose the best option for them.

Critical Pathways synchronizes with the latest research data providing oncologists with vital information during the care process. This empowers them to create an organized list of care regimen in turn giving the patients the best possible care. The program comes with a number of other great features:

  • Real-time working functionality
  • Customized treatment protocols according to patient needs
  • Up-to-date information on side effects and responses
  • Comparative information on treatment protocols and cost of the treatment options

According to WebMD, the program’s features ensure a better quality of treatment by significantly decreasing variability in care. It also creates a lot of transparency in care delivery and treatment option selection. Critical Pathways can also work hand in hand with insurance agencies by providing necessary information. This will, in turn, hasten the insurance approval process. The Clinical Pathways program is accessible by all patients at all the CTCA hospitals.

About Cancer Treatment Centers of America
CTCA is a network of five hospitals meant to serve cancer patients across the country. The organization employs conventional approaches to treating cancer patients such as such as immunotherapy, surgery, and chemotherapy. It also provides therapies to deal with side effects arising from the treatment processes. The CTCA has its headquarters in Boca Raton. Florida.

Richard Stephenson founded the first CTCA hospital in 1988 to provide looking to provide life-saving treatment options for cancer patients. The other four hospitals were opened between 2005 and 2012. They are:

  • Southwestern Regional Medical Center in Oklahoma
  • Western Regional Medical Center in Arizona
  • Eastern Regional Medical Center in Pennsylvania
  • Midwestern Regional Medical Center in Illinois
  • Southeastern Regional Medical Center in Georgia

For more information follow CTCA on Twitter.

The misjudgment of Beneful

Owning a pet to some, is one of the things that help some people feel good, happy or complete. Being able to live and stay with that pet for a long time is the goal because it becomes part of them in a bond not easily broken. To some, it is a dog. And feeding it well will ensure the long life of the pet. Beneful dog food is one of the renowned dog foods in the U.S working to make this happen. Its quality of feeds for man’s best friend is up to standard, and any dog lover knows what is best for their dog when it comes to nutrition and health. A balanced diet with all the required and necessary products will ensure a long healthy life.

Beneful has been a top-selling dog food brands in the U.S since it was introduced in the market in 2001 by Nestle Purina PetCare. But it has been under criticism from some people and pet food critics for the ingredients used in making their dog food. They claim some of the products used are harmful, poisonous and may lead to the death of the animals. This has eventually brought class action suits against the owner, Nestle Purina PetCare over the issue.

Mr. Purina, however, insists that there is no case and maintains that he will not be the case. The said case has been changed several times since it started and the case lawyers have not produced any test result. Some who were in the case have over the period withdrawn themselves from the indictment.

Dr. Jackson, the Vice President of the company in charge of PetCare Nutrition Research and Ms. Plassmeyer Marketing for the Nestle Purina Petcare Dog Food business, insist that all that the firm is doing is improving the recipe and ingredients used. This is all according to the feedback gotten from the customers of their products. Research is undergoing and plans to reach the entire country is on a plan to ensure that all dog lovers have a companion for the longest time imaginable.

The company will undoubtedly face criticism and challenges before the people know exactly what the company is doing. All in all, the company is doing great and shows that the corporation is well interactive with its clients and has great plans for all dog lovers.


E-Governe – Helps In Facilitating Better Services To The Public

In the Municipality of Teresina will have active participation in enhancing the use of E-Governe system tools. The Teresinense data processing firm manager exhibits the meetings with the agents of the Municipal Health Foundation and also the Municipal Finance department to deal with the services optimization.



The E-Governe System is used by Instituto Curitiba de Informatica. The first and foremost tool of the system focuses on the human resources management. The City Hall wishes to make the expansion of the system to enhance the services to the public.



Mayor Silvio Mendes takes into consideration complete working of the e-Governe system for Teresina. There are tremendous advantages of improving the response to the demands of the population and also the proper analysis of the tips and also recognizing various issues. It is also about monitoring various services facilitated by the municipality.



You need to manage the municipal and state health secretariats which are the most cumbersome work of the public administration. The e-governe health is easier, economical and highly operational. There is the proper amalgamation of the various health care units and a large dental chart. The system allows the appointment scheduling and also to organize the schedules of the professionals. The system eradicates the service queues. This enhances the service quality facilitated to the population.



E-governe helps in controlling the distribution of the stocks of the medicines from the various pharmacies and also the application of the vaccines. It helps in scheduling assessments and consultations. This system also takes care of financial, central ambulance and hospital services. You may utilize the system when it is combined with e-government materials. There are many benefits accomplished by the governments that make use of e-Governe Saude like it helps in streamlining of attendance.



It helps in controlling the patient’s flow from various municipalities and also the management of different financial transfers in an efficient manner. It enhances better and systematic organization of various work procedures. It also keeps a check on the flow of patients in the health units. It enables real magnitude of the various health units. It allows making the programs restructured to constant attention to health.



The system can with ease manage all the revenue gathered, and that includes making some appropriations after publishing the budget. There should be control of the resources from the various quotas. There is some control on the reductions and supplements to make sure there is no raise. It gives subsidies adequate planning about the professional bodies.



E-Governance have got compliance with the various laws which make the process of procurement of the materials highly modernized. This means controlling the suppliers and also making the materials priced and those services that have got great value. The system enables the various units of public administration of the electronic registration of services or materials to the buying segments liable for purchase. The module allows all the institutions to make some request for the materials that are processed and produce the application for purchase that is by the kind of product required.

Flávio Maluf Tips for Making Intelligent Investments

Flávio Maluf, Brazilian, born on December 2, 1961, graduated in mechanical engineering from the Armando Álvares Penteado Foundation (FAAP), in the city of São Paulo. He lived abroad for a year, working and studying administration at the renowned New York University – NYU.


In 1986, Flavio Maluf married Jacqueline de Lourdes Coutinho Torres. Fruit of this relationship between Flavio Maluf and Jacqueline Torres were born their three children. A 22-year-old graduate of Chemical Engineering in London, a 19-year-old graduate student in business administration at the Armando Álvares Penteado Foundation and another 15-year-old son who is preparing to follow in his father’s footsteps and engineering, in England.


Flávio Maluf has been with the Eucatex Group since 1987, And during his trajectory he passed through several areas of the company until he arrived where he arrived. He began his career in the area of ​​trade of the company, and after a few years he migrated to the industrial area where he remained until 1996. In that same year, his uncle who at that time was the current president of the company, invited him to be part of the Executives of the Eucatex Group, and after great success and collaboration for the good results of the company, by an agreement between all the involved and family, in 1997 Flavio Maluf assumed the presidency of the Eucatex Group where he is until today, focusing on innovation and investing heavily for Launch new products in the segment.


Upon assuming the company’s presidency, Flavio Maluf began a process of modernization, according to its management format. That according to him, has an aggressive profile, Of a person who seeks the perfection and success of the company every day. He considers himself a very present executive, but not centralizing. An interview conducted by emobile.com.br with Flavio Maluf – “He does not waste opportunities” tells details about the executive’s plans for career, professional life and dreams that he aims to achieve. The history of the Eucatex Group began in 1951 as the first Brazilian company that actually thought of environmental comfort and to use eucalyptus as a raw material for the production of plates and panels. https://br.linkedin.com/in/flavio-maluf-172147b3


Eucatex – A Prominent And Leading Firm In Brazil

Flavio Maluf is the CEO of Eucatex since April 29th, 2005. Mr. Maluf is the chairman of the Board of Executive Officers at Eucatex S.A Industria. He is the Vice Chief Executive Officer of Eucatex Trading e Engenharia and also the CEO of Eucatex Quimica e Mineral.


He is the Vice President of Eucatex S.A Industria e Commercial. He has been the Director of Eucatex S.a Industria e Commercio since the year 2005. He has worked for Sistema S.A Corretora de Titulos e Valores and also Citibank New York.



Maluf has done his graduation in Mechanical Engineering at Fudacao Armando Alvares. He has done a specialized course in people management and also accounting for the non-accountants. He has also studied foreign exchange principles and also Foreign trade laws.


Eucatex is a highly creative firm that makes utilization of unusual materials to develop their items like the tiles. One material that the company makes use of is the Eucalyptus and that is a very unusual kind of wood.



The company makes use of some other materials like various types of paints. The products that they develop are equipped with home products, and they make some of the items for the industry. The firm has been there for a longer duration. The firm is over fifty years old. They have the ability to do the exportation of the items to different nations that are not in Brazil. The things that they make are friendly to the environment.



The firm is presently operated by Flavio Maluf. He has done a tremendous assistance to assist the company to advance and develop. He has done a lot to make Eucatex excellent to the environment. It was awful for the healthy environment to be considered seriously by the various industries.



The firm came into existence in the year 1951. There are some regulations for the industries. Eucatex knew the potential for the manufacturers to cause harm to the environment. The items that they manufactured got the effect on the environment. The firm can make the things safe for the environment and also make great profits.



How Jose Borghi Became a Successful Advertising Expert in Brazil

Jose Borghi is acknowledged as one of the top influential advertisers in Brazil. He is the proud founder of the Mullen Lowe agency, which was formerly known as Borghi Lowe. Jose Borghi is known for creating campaigns that garnered significant attention such as Mammals of Parmalat, which comprised of children who were dressed as stuffed animals and singing memorable jingles. Sazon is also another impressive campaign that included the song by Zeze di Camargo and Luciano.

Jose Borghi was not sure about which career to pursue in his early days. However, advertising proved to be an ideal option. This was after he attended a performance held at the Castro Neves Theater while still in junior school. The presentation involved a showcase of commercial Vts. Little did Jose Borghi know that he would, later on, win one of the Cannes Lions and Borghi’s lacrosse camp.

Career Background

Jose Borghi is graduated from PUC-Campinas in propaganda and advertising. He later landed his first job in 1989 at the Standart Ogilvy agency. Due to his exceptional skills, Jose moved to other celebrated companies like Talent, Leo Burnett, FCB and DM9/DDB.

After working for other advertising agencies, Jose and Erh Ray, his partner, decided to open an agency called BorghiErh. At the time, they did not have any godfather, bank or investors. Although Jose and Erh built their ad agency from scratch, it became successful to the point that it was acquired by Lowe to form Borghi Lowe in 2006. The acquisition and rebranding happened after Jose Borghi split the presidency of the agency with Erh Ray.

Currently, Borghi Lowe has grown into a dominant adverting agency not only locally but also globally. It recently merged with the Mullen group and Lowe & Partners to form Mullen Lowe. The merger led Jose to become the co-chief executive officer of Mullen Lowe alongside Andre Gomes and more information click here.

More visit: http://inspirad.com.br/tag/jose-henrique-borghi/

Thor Halvorssen Works With A Purpose

If there is anything that could help a person make a difference in the lives of others, it is having a purpose. Thor Halvorssen definitely has a purpose and works with it. His purpose is to play a part in the fight for a more humane world where every human is treated as equals. Unfortunately, there are many cultures where humans are treated as objects. There are a ton of underdeveloped countries that are ruled by tyrannical dictators. They do everything they can in order to make sure that they have control over even the thoughts of the humans they rule over.

To make things even worse, a lot of those countries are impoverished. Dictatorship governments like North Korea are faced with a famine. The Kim Dynasty has definitely run the country to the ground. Thor is one of the many activists that are working on finding a way to put an end to the rule of the Kim Dynasty. Thor Halvorssen is also working on fighting against the corruption of government so that the people who live under these rules can have the freedom to decide for themselves what they want for their lives.

Among the other issues that Halvorssen is fighting is slavery. There are countries that are still involved in the slave trade and human trafficking. Thor and his Human Rights Foundation are looking for ways to put a stop to all of human rights violations throughout the globe. Thor is doing it with a lot of passion and energy. He is also doing it out of his love for people. He is also trying to change the image of human rights activism from the person who loves to talk about the issues to someone who is willing to take action and even put his neck on the line for the rights of others.

http://www.weeklystandard.com/troublemaker-for-tyrants/article/899824 for more .

Two Critical Tips For Businesses In 2017

 Flavio Maluf recently presented American Magazine Inc with some excellent advice as to what sectors look to get hot or continue heating up well into 2017. His word is certainly one that can be trusted as he is a Brazilian business and mentor to many while also holding a role as the president of Eucatex. That company works with the impressive magic of eucalyptus wood fibers in order to produce a myriad of products ranging from insulation to recyclable baseboards and beyond. So, where should one look for opportunities and innovations? The information is all here.


Technological Innovation


Maluf understands that technology is vital in the modern workplace, and there still exists a significant portion of employees who simply do not have the aptitude or time to dedicate themselves to learning all of the ins and outs that come with it. This means that 2017 is an even better time than ever for platforms and tools which provide the simplicity for non-techs to get things to get things done.


Remote Work


Remote work is taking off more than ever, and there are now so many ways for employees to accomplish things that they used to have to be present at an office to get done. More people want to be able to live out their dreams no matter where that takes them, and so the idea of being tied to one location is just not as attractive as it once might have been. Flavio Maluf encourages management to get the logistics down to an art so that the proper meetings, tracking, and other necessary functions can adapt to this scene. It will be hard to compete with other companies who can hire anyone from anywhere if a company cannot do it also.


Eucatex is a great company which has won many awards and contracts under his astute leadership. They are into sustainability and giving back to the environment just as much as they are into manufacturing innovative products. Companies that are looking to follow in a similar trajectory should definitely take this advice and setup for growth into 2017 and beyond. https://br.linkedin.com/in/flavio-maluf-172147b3