Experience and Professionalism Foundations at Capital Group

Timothy D Armour is the Chairman and CEO of the Capital Group Companies. He also serves as Chairman of both The Capital Research and Management Company, affiliates of Capital Group. Armour is also in a member of Capital Group Companies Management’s committee. He has over three decades of experience in investment banking since he joined the company.

Before he was handed the CEO position of the enterprise, he was the deputy to James Rothenberg, the former head of the firm. Rothenberg passed away in June 2015 at the age of 69. He was responsible for the rise of Capital Group as one of the world’s largest investment management firms. It was after his death that the Board of Directors at Capital Group decided to give Armour chairmanship of the company. Armour started his career at the firm in 1983 as an attaché in the company’s Associate Program before becoming an investment analyst. He graduated from Middlebury College with a bachelor’s degree in Economics.

Capital Group is a private financial services company founded in 1931. It is among the largest investment firms in the world with an employee base of more than 7000 persons and assets worth $1.39 trillion. Its headquarters are in Los Angeles, California. The company provides services in research and investment in America, Canada, Europe, and Asia. Janet Yang, an investment research analyst, gave the company A rating for its consistently high-level performance over the years. She said choosing the business is a no-brainer as the company has continued to advance over the years putting detailed attention into investments and long run end results. She further praised the firm saying it is a model example of a stable investment culture with outstanding portfolio managers such as Armour and Clifford.

The company broadened its operations further after announcing a strategic partnership with Korea-based Samsung Asset Management. The agreement established that Capital Group would assist SAM in instituting the Capital Group management style while providing management expertise in business and client management. The companies are expected to work together in coming up with asset allocation products and solutions for Korean investors. It is in line with SAM’s agenda in becoming one of Asia top management companies. Armour maintained that the long run plan of the partnership is to come up with investment solutions aimed at satisfying retirement and insurance-related needs of investors in the Korean market.

Read More: American Funds Flows on Track to Break Even – Executive

Handy Home Cleaning and its Struggle to the Top

For the first few months of 2016, Oisin Hanrahan, had a rough time on Tuesday mornings when the Handy Home Cleaning firm held its weekly executive team meeting at its headquarters situated in New York. He had to display one power point slide after the other, showing how terrible the strategies he had supported were performing. It was at a time when Handy wanted to transform the criteria of selecting new cleaners (pros). This transformation was advocated by Hanrahan and he aimed to roll out an online onboarding procedure in all its markets.

Since this idea was proposed in 2014, Umang Dua, Hanrahan co-founder opposed it. He argued that the application process would not be completed without human intervention. Nevertheless, they had an agreement on running a test and evaluate the results. The new system was recruited in Washington, D.C., and Miami, in January 2015. In November the same year, the two were still debating on whether to integrate the idea in all the markets when the company got $50 million Series C venture capital. This additional capital brought both relief and stress to the company. All the potential investors they approached declined to fund the firm. It left them with no choice but to implement the online onboarding strategy in all the markets, which Hanrahan speculated would save millions of dollars.

The major problem was that Dua was right. The online onboarding led to a 40% increase in bookings, https://www.handy.com/services. Handy was forced to cancel many bookings as the order surpassed the number of pros. Clients were furious. The engineers worked on the platform, and the system’s performance showed significant improvement, proving that Hanrahan had made the right choice. Handy took the advice of its investors not expand to new cities, but to grow in its current markets. Currently, the company receives millions of booking which it is now able to manage.

Hanrahan and Dua were classmates at Harvard Business School. They came up with the idea of Handy while sharing an apartment in Cambridge. They launched Handy In 2012. Recently, Handy started a delivery and assembly service for furniture. It looks forward to delivering other items.


American Fund Portfolio Manager Shares Insight

China’s economy experienced an economic crisis, causing its currency to devalue and market selloff in September 2015. Investors and trading partners across the world became fearful and sought refuge after the drop in Chinese stocks. To help stimulate China’s economy and regain the trust of global investors, the government lowered its interest rate and eased reserve requirements for banks.

American Fund Portfolio Manager Tim Armour shares his opinions on specific areas of interest for investment opportunities in China, interest rates, and the economy in the United States. Mr. Armour has 34 years of experience in the investment management industry, nationally and internationally, and provides informative opinions as an author and Chairman leader.

His educational and career background has provided him with expertise to share with investors based on analysis and global market conditions. Timothy Armour is a Middlebury College graduate, earning an economics BA degree and serving 33 years at Capital Group, in Los Angeles. He joined the firm as an internist and received career growth, serving as Equity Investment Analyst, Equity Portfolio Manager, Chairman, and Chairman of Management Committee. Mr. Armour is presently serving the committee to communicate set strategies and implementation of them. He’s committed to Capital Group and has history contributing to its growth in the U.S., Europe, and Asia.

Related: Capital Group Parent Names Armour Chairman, Replacing Rothenberg

American Fund Portfolio Manager Timothy Armour believed that despite the selloff in China, in 2015, there were alternative investment opportunities. He said there were opportunities outside of the country, but the Chinese internet companies looked more attractive at the time. Corrections of the market benefited these companies for possible investment opportunities after valuations were higher, in 2015. Although, China’s economic growth rate was slow in September, Mr. Armour expected it will be faster compared to other economies. He was confident multinational companies should continue to grow sales in China.

Concerning interest rates and the economy, Timothy Armour says the United States Federal Reserves should have raised its interest rate. The economy wasn’t growing in mid-2015 and near zero interest rates may have caused it to be in stand-still mode. Investors began to take undue risks and were forced to the move their assets to alternative investments. He says when a short term interest rate is raised gradually, the financial system becomes stronger and the economy gets healthier. Mr. Armour is hopeful his advice and opinions on past economic events benefit investors and companies.

Click here to learn more about the Capital Group.


Sam Tabar: Productivity And Responsibility

One thing that could be said for Sam Tabar is that he is one of those people who is very productive. For one thing, he has a zeal for life that takes him very far. As a successful businessman, he has taken steps and have learned things that other businessmen have not been able to do in spite of their success. Sam Tabar is someone who has lived life to the fullest. At the same time, he is able to show respect and be humble about what he is doing. He is an example of someone who is able to make a lot of productive choices.

Sam has traveled to different countries and has learned a few languages in order to help him communicate with some other people. He has also studied law and worked as an attorney at a law firm. This is one of the most important types of information that one could learn. For one thing, people who know the law will be better able to obey. As a result, they will find themselves free of trouble. Sam Tabar has also studied finances. Law and business go hand in hand because people need to know how to make money in an ethical manner.

Sam has also shown that he is financially responsible. He has worked for different financial institutions and helped clients make the right decisions for their business. One company he has worked for is Merryl Lynch (Bank Of America). He has recently gained the position of Chief Operations Officer at FullCycle Energy Fund. Sam has shown that he is trustworthy and responsible when it comes to finances.

Sam is a man of many talents. He is also someone that is constantly making progress and seeking out new activities to take part in so that he could continue growing.

Flavio Maluf’s Achievements As The Eucatex President

About the Eucatex Group

The Eucatex Group was developed in 1951. It is the topmost producer and marketer of eucalyptus wood fiber insulations and liners. The company currently serves several multi-national furniture manufacturers and industrial construction companies. The company’s Construction Industry segment deals with paints, laminate floors modular partitions, and doors. The Eucatex Furniture division is the largest MDP, Tamburato, and wood fiber plate manufacturer. The products are created from most advanced technology and eucalyptus wood. The Eucatex group is reputable for its environmentally friendly products. It has received the ISO 14001 and FSC® Certifications. These qualifications are proof of the company’s value for the environment and its sensible handling of industrial wastes.

About Flavio Maluf

Maluf has established his dutiful entrepreneurial expertise to build the once unpretentious Eucatex into a prime international construction furniture manufacturer. Flavio Maluf joined the company in 1987. He is the current chairman of the company. Maluf also operates in the Eucatex trade areas. Maluf has worked under this department for almost ten years before being appointed as the Chief Executive Officer of the company in 1996. Maluf has been outstanding in the peak administration spot of the company. Flavio Maluf has modernized Eucatex and led the company’s primary objectives of opening other agencies across the world.

Maluf graduated from the Fundação Armando Alvares Penteado Foundation University in Sao Paulo with a broad knowledge of the corporate business world. He also attended the New York University Management School. The knowledge settings present him with the unparallel corporate business advantage that made him the remarkable entrepreneur. He also transformed Eucatex into an International exporter with its products supplied to more than thirty global countries. It is important to note that Maluf has been an inspiration and top leader of the Brazilian Eucatex Group.

The Eucatex Manufacturing Division in Salto, Sao Paulo

Eucatex Group recently established an industrial manufacturing plant in Salto, Sao Paulo state. This Salto-based industry manufactures Thin High-Density Fiberboard and Medium Density Fiberboard (T-HDF and MDF). The company owns another recovery plant that recycles wood residue. The facility aims to protect the environment and avoid landfill wood residues that lead to environmental pollution.

The Career of Brad Reifler Up Till Now

Brad Reifler has had a great career in the world of personal finance. If you want to take things to the next level in your life, there are a lot of ways that you can do that. Reducing your expenses and increasing your income is something that everyone can do. Instead of worrying about your past decisions, start today by putting in a plan that makes sense with your future goals. A lot of people are excited about the things that technology is allowing us to do. One of these things is with working more jobs in order to earn a high level of income. For many people, working extra is a great idea to pay off debt and invest with.


When he first started out in his career, Brad Reifler never knew that he would be able to positively impact the lives of so many people. However, he has worked hard from the beginning, and he is now ready to take the next step. If you want to invest in your future, there are a variety of ways that you can do that. Brad Reifler is someone who can help you get to that next level with his advice. If you want to start making progress, follow his financial plan for success.

Future Changes

As technology continues to increase, you need to make sure you are ready for all of the changes that are coming in the economy. The people who have a solid financial footing are those who are most likely to make a positive step in the future. There are a lot of people who are looking to take advantage of current trends in the market today. If you want to reach your financial goals, you need to make sure you are working as hard as possible to get there. There are a lot of people who never build wealth because they cannot get their goals aligned with their current situation. Instead of struggling with your finances your whole life, start today by making a plan to get to the next level as soon as possible.

Brilliant and Beloved Businessman, Bernardo Chua

Bernardo Chua is one of the most successful businessmen of his time. He rises above the rest with not only one successful business to his name, but has played a pivotal role in two. He worked as a top level executive with Gano Excel and is currently the Founder and CEO of a world renown direct sales company, Organo Gold.

The production of a wide variety of products within his Organo Gold business has enabled him to introduce ganoderma to a vast majority of people within many countries around the world. Not widely known to many outside of his home country of the Philippines, this small-time businessman took his knowledge of a small species of mushroom and introduced the world to the enhancing benefits of ganoderma.

The production of coffee, teas, herbal medicine, supplements and even toothpaste – has empowered him to quickly make a name for himself. Bernardo Chua and his company’s commitment to providing people with quality products is what has made him not only one of the most successful men in the Pacific Rim, but has catapulted his success worldwide.

Providing excellent products are not the only thing that sets this man apart from so many others, it’s his kind heart and love for people that really resonates with everyone that he meets. Kindheartedly and fondly known as “Bernie,” his company Organo Gold was awarded two People’s Choice Awards: “Best Gourmet Organic Coffee” and “ Number 1 Network Marketing Company.”

This is in addition to being awarded “Outstanding Global Entrepreneur” and the esteemed “dangal ng Bayan Awards.” One of the many ways he gives back to the community is by pouring into the hearts and minds of the next generation. He speaks and mentors young entrepreneurs so they too, can learn the skills necessary to become successful.

Despite his massive successes, there is still much to be seen in the future. With an ever-present goal of constantly providing innovative products that enhances millions of lives and continuing new research in his field, the world still has much to experience from brilliant businessman, Bernardo Chua.


Michael Zomber Makes Headlines by Acquiring Knife Used In John Brown Assassination


Michael Zomber is a renowned armor and antique expert with adequate knowledge about antiques. He first gained recognition in 2003 when he was falsely imprisoned. However, he was exonerated due to his being innocent. The antique specialist has made headlines by acquiring a Bowie knife, considered to be the property of the late John Brown. Furthermore, the knife is believed to contain an inscribed inscription about Brown.


Mr. John Brown was a radical adversary with strong principles. He was a major advocate of armed revolution against the United States. Brown believed his ideology was the only solution for ridding the West of slavery. However, he did not live to see the fruits of his labor, as he was prosecuted and hanged for his controversial ideologies against the South.


A close analysis of the knife reveals crucial details previously unknown by most individuals. For instance, the blade consists of a nickel handle decorated with a pearl and a spear-point tip. Sotheby, a known historian, described the knife as an “incredible item from one of the most horrific periods in American History.” He further explains that the blade represents a moment in history in which he is passionate about. By obtaining information about Brown, the antique expert gets to appreciate a crucial part of America’s history.


Apart from collecting antiquities, he is also a remarkable author and has captured the hearts of American readers. His prominent novels; Sweet Betsy That’s Me and A Son of Kentucky depict the struggles of individuals affected by the Civil War. For instance, the latter describes the lives of rural Americans before the Civil War. More importantly, the main story is expressed through Josiah Johnson, a tobacco farmer who failed to use slave labor during sowing and harvesting. On the other hand, Sweet Betsy That’s Me paints the story of a Civil War survivor that returns home and is recreated through the eyes of a young girl.


Up Close with Michael Zomber


According to his website bio, Michael Zomber is an Illinois University graduate with degrees in Psychology and English. The author credits his wife as a source of motivation and encouragement in the writing field. His earliest screenplays formed the foundation for several narratives. Furthermore, he has produced an excellent documentary titled: The Soul of the Samurai. His vast antique collection consists of items owned by Simon Bolivar and George Washington.

Discovering Evolution of Smooth

When you think of the colder weather ahead, you’re likely planning on sweaters and boots, but what you’re forgetting is the inevitable chapped lips that occur every winter. It can be hard to find a reliable lip product that you can use all winter with confidence, knowing that they will maintain your soft lips. Then you have to consider that you want a trusted brand at a fair price. So you’ve probably heard of the basic brands like Chapstick and Blistex, but have you looked into Evolution of Smooth, or EOS? If you haven’t, you’re in for a real treat.

 EOS lip balm is a brand that has all natural ingredients and is loaded with essential vitamins and minerals needed for healthy soft lips. EOS can be found at many drugstores throughout the United States, and at stores like Walmart, Target and online retailers eBay and more. Evolution of Smooth prides itself on being a company that is not only gluten-free but hypoallergenic. They are also dermatologist tested, so you know that ingredients are safe for anyone concerned about what’s inside an EOS lip balm. EOS is a small spherical pod filled with lip balm and comes in many flavors and colors. It sticks out in a group of other lip balms. Not only that, but they tend to stay around three dollars per piece which is more than reasonable.

If you’re looking for reliable lip care this winter, you can turn to EOS lip balms, as they are effective, decent in price and natural. EOS also offers other products like hand and body cream and shaving cream that also contain beneficial ingredients. What are you waiting for? Invest in some EOS today! Visit the website, evolutionofsmooth.com. Also check out: https://www.linkedin.com/company/eos-products-evolution-of-smooth-


Hedge Fund Super Star Kyle Bass Is Betting The Farm Against China’s Currency


Hedge fund managers bet a lot of money because they can. They use other investors’ money and gamble that their assessment of a situation or a change of events is the right one. Kyle Bass, the Dallas-based hedge fund manager, earned his reputation by betting against the house and winning big in 2008. Bass knew enough about the subprime mortgage industry to know it was a house of cards with no foundation. His small investment company, Hayman Capital, was the talk of the investment industry in 2008, but that talk has changed over the last eight years. Bass is on a mission to get his investment mojo back. Bass has placed a large bet against the Chinese yuan. Betting against the Chinese doesn’t sound like a good idea, but once again, Bass believes he has enough information to turn that bet into a fortune for his investors and himself.



Kyle Bass believes that China’s banking system is in serious trouble because of the bad debt on their books. Chinese banks have been generously granting loans for real estate and retail ventures, and many of those loans can’t be paid back for one reason or another. The banks are sitting on billions of dollars in bad debt, and Bass thinks the Chinese government will have to bail the banks out using a sizable chunk of their massive capital reserves. If that happens, the yuan will lose value against the U.S. dollar and the German mark, and Bass will win billions of dollars. But the Chinese say Bass is wasting his money. They plan to control the value of their currency over the next three years.



Bass has been wrong before. He was wrong when he backed Argentina when the country defaulted on bonds held by other hedge funds. And he was wrong when he backed General Motors when they put faulty steering mechanisms and airbags in some of their automobiles. He is wrong now by betting against drug companies using the information he is receiving from Erich Spangenberg, a famous patent troll. If he is wrong about the Chinese yuan, Bass, and his hedge fund may be licking their wounds for years.