How to Come Out on Top

Warren Buffet has bet a million dollars that he will get a better investment return than some hedge fund managers by simply investing in an index fund and by the looks of it, Buffet is going to come out on top.

According to Buffet, there at just too many expensive funds and funds that are just not up to par that actually rip off investors. Buffet believes that the best way to go is with low-cost and long-term funds that will pay off in he long run. His approach to investing has been proven to be successful over the decades.

It’s a good strategy for investors to be cautious of product labels and to seek out good long-term investment returns. If you want to get a good investment, you need to keep your costs very low and what Timothy knows.

Although trillions of dollars have gone into passive investments, only about half of the 1200 investors surveyed online in the past year have been aware that index funds expose them to his risk and losses during downturns and read full article.

Buffet strongly advises to do better than the crown during downturns and to grow your nest egg over the long-term stretch.

Timothy Armour has been with Capital Group since 1983 and is the chairman and chief executive officer. He is also the equity portfolio manager. Armour achieved his bachelor’s degree in economics from Middlebury College and he began at Capital Group as a participant of The Associates Program and now has over 34 years of investment experience.

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Desiree Perez Turning Around Tidal Music Streaming Service

The music streaming business has become a multi-billion industry in just a few years. There are formidable players in the sector and Jay-Z-owned streaming service. Tidal, just got a shot in the arm when they hired Desiree Perez. The rap legend, aware that the startup needed a witty and focused executive, brought Perez to manage the service having worked with her for over 20 years. After taking up the position, she knew that all she needed was to create the buzz around the service and bring in a new perceptive that would draw in dollars.

Desire Perez has made Roc Nation a substantial amount of money. As part of Jay-Z’s brilliant strategy, she helped tie in million dollar contracts. Additionally, she was responsible for the rapper’s smooth transition into a music streaming star. As a business person by right, Perez has a rich collection of business skills that make her the quintessential associate who has her way with killer deals and contracts. There is no doubt that her acumen and litheness have contributed to Tidal’s shining track record.  Continue reading on

Lately, Tidal has made a grand comeback and seems to be attracting young music lovers. Perez can be said to be the brains behind innovation and the launch of new products such as TIDAL X, the live performance platform and Tidal Rising, which endears itself to upcoming artists. Even though the entity may not be endowed with resources like some of its competitors, there is no doubt that Desiree Perez is taking the Tidal App and streaming service to great heights.

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In her career, Ms. Perez has managed some feats in the entrainment industry. She is credited with the success of the Life Particle concert in 2013 and On the Run Tour, a concert by Beyoncé and Jay-Z in 2014.   Check for more articles.  She has represented artists, sports personalities under Roc Nation Sports Agency and other clients working under the label.  For updates on Dez recent timeline activities, check

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The CEO of USHEALTH Group Wins the Much Sought-After One Planet Gold Winner Awards as the Chief Executive Officer of the Year

The prestigious Gold Winner Award which recognizes the chief executive officer of the year was given to the CEO of USHEALTH Group, Inc., Troy McQuagge by the organizers, One Planet Awards. The award was an acknowledgment that ever since Mr. McQuagge joined the health firm in 2010; he has successfully reshaped and given the captive distributor agency of the organization known as USHEALTH Advisor a new profitable outlook. The famous One Planet Awards is an internationally respected important program that gives distinction to all industries on professional and business ethics. The coveted prize has no exemption rules because it provides all global organizations from startups, private entities, public companies, profits, and nonprofits eligibility grounds for submitting their nominations

Mr. McQuagge comes from Panama City in Florida, and he is known worldwide as a competent executive for corporate entrepreneurship. Residing in Coppell town in the State of Texas currently, he is widely credited with the recent innovations in USHEALTH Advisor because he has had a long and unparalleled career as a senior sales person in many companies. He started selling insurance in 1993 for Allstate Insurance then he moved on promotion to Health Market/UICI in 1995. As a result of excellent performance, and observance of high professional integrity, he introduced new strategies for redesigning and reforming various departments in the organization. By 2010, he had no competitor for the post of President and CEO of USHEALTH Advisor. The biggest addition he brought to the division was increased margins of profitability and Troy on Facebook.

While accepting the prize, he said that it was an honor to get the esteemed peer recognition in the industry. However, he was modest enough to admit that the award belonged to all the people who work for USHEALTH Group Inc., because of their continuous commitment to finding innovative solutions for affordable health care that has coverage that progress with the changing needs of the customers. The distinctive One Planets Awards is presently conferred on classes that cover teams, top executives, PR, Corporate Communications, new organizations, Services and Products from everywhere in the world and learn more about Troy.

The Texas-headquartered company which operates from Fort Worth is an insurance holding company specializing in giving excellent coverage for health to owners of small businesses, and self-employed persons. Its principal objective is to join the expertise of its staff and the agents to competitively and profitably market insurance products by building customer care that is superior in all aspects of the organization’s functions Mr. McQuagge holds a B.A degree which he acquired from the University of Central Florida. The persistent vigor he has shown in retooling the captive distribution agency has made the company a leader in providing comprehensive insurance coverage and read full article.

Samuel Strauch’s Success Story

Samuel Strauch is an accomplished and well recognized Real-Estate business owner in Miami Beach and Fort Lauderdale area of South Florida; and brings well over a decade of experience in the Real Estate business!

Having completed his undergraduate degree in business from Hofstra University in New York, as well as completing studies at Erasmus University and Harvard University, Strauch was well poised for making a big impact in Real Estate. Mr. Samuel Strauch had originally started his career in banking, but eventually joined his family Real Estate business in South Florida, where his passion for construction projects began. His Real Estate Company called “Metrik Real Estate” was started in 2002 and operates profitably until the present time.

Upon moving to Miami at the turn of the century, Mr. Strauch noticed two things that captured his attention. Firstly that there were lots of real estate developments happening in the area; secondly, that there was a transformation of the city from a mere vacation town, to an outright metropolis on the beach. Therefore, he knew he could put together clients and investors together and begin his own Real Estate business there. Strauch informs us that he really doesn’t have a typical work day. He believes that the key to productivity is continually meeting new people; and strengthening existing relationships with members of his industry (e.g. clients, investors, partners etc.) Furthermore, Samuel Strauch believes that being forward thinking and creative is part of the DNA at his organization, and encourages his team to exert effort brainstorming the viability of all new ideas. Samuel Strauch finds the metamorphosis of societal changes from how we work to where we live, extremely exciting to think about; and he uses meditation to stay productive. He says that working with the right people is key to his success.

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Greg Secker An Entrepreneur of A Successful Strategy

Greg Secker is known worldwide as a lead trader in Forex Trading. Greg Secker who is a public speaker and an entrepreneur in the United Kingdom, got started in public speaking by being called on a regular basis into the media for speaking his opinion on his knowledge on market direction, his strategy for success, and charity.


He speaks about how to learn to trade, and to help provide people with the strategies they need to reach success with financial freedom. Greg thinks that people can be successful by being satisfied with their life, while letting them not to think that making money is the only way to fame and happiness. When he formed The Greg Secker Foundation, he has passed his knowledge on to others. His message is that you can be successful just by making a difference in the world.


The Greg Secker Foundation has inspired a youth program which has been specifically formed to positively improve the lives for young people around the world. It also deals with improving the education of young children, life skills they need to be successful when they get older, and youth leadership ideas so they can improve in life.


Greg Secker’s entrepreneurial success has grown over the years through passing on his message of being financial successful to those who can create their own path to success. Greg Secker wrote two books. In 2010 he published, ‘Financial Freedom through Forex’, which helps to prepare people of private Forex traders with the skills needed to trade effectively. His other book is, ‘Trading Your Way to Success’, which tells Greg’s journey as he went through his experience from working in a corporation, to trading at home, and then growing a trading business.


Greg Secker has been involved in tragedies for typhoon victims in the Philippines. When he first traveled there, he helped to rebuild homes for those affected by the Nock-Ten typhoon that destroyed the area, and he has still left an ever-lasting impression with his assistance to this day.

Community Banking Forum explores innovation

Nexbank CEO and President John Holt was a featured speaker at the Texas Bankers Association’s 5th Annual Strategic Opportunities and M&A Conference. Held in New Orleans, Louisiana on Nov. 6-8, 2016, he participated in the banker panel discussion, “Reinventing Community Banking: Perspectives on Competing by Innovation.”

The conference was an opportunity for bank leaders, advisers and consultants to network together regarding unique challenges facing community banking. Also, opportunities to organically grow business was discussed. M&A activity and increasing branches were presented as well. There was a special segment detailing new products and technology which help community banks gain a competitive advantage.

Nexbank is a large and growing bank headquartered in Dallas, TX. It serves its clients through commercial banking, mortgage banking and institutional services. Under John Holt’s leadership the organization has been growing and expanding in all three segments. While primarily serving institutional clients and financial institutions, Nexbank also serves mid-market companies, small businesses,large corporations and real estate investors. They are highly ranked by S&P Global for 2016.

Nexbank is giving back to the community via their participation in affordable home ownership programs in Dallas. Partnering with Dallas Neighborhood Homes and Habitat for Humanity they will be providing up to $50 million dollars in loans for low income buyers. They will also be providing title fees and closing costs of up two $2000 dollars per loan.

In summary, Nexbank is making a difference in their community with their excellent products and services available to a wide range of customers.


Desiree Perez Brings Positive Changes in Tidal

Music streaming has always been one of the best businesses in the world. The industry is very profitable, and people who have ventured into it have made a lot of wealth. Financial reports of individuals in the industry show that they make millions of dollars every month. Tidal is one of the most reputable businesses in this department, and it was established several years ago by renowned musician, Jay-Z. The music company, however, has had its fair share of challenges in the recent past. More of this on

Just recently Tidal announced that it had appointed Desiree Perez to work as the executive director of the company. Desiree is expected to bring the change everyone has been dreaming about. Since her appointment to the top position, Perez has brought several changes, and it is evident that she is heading in the right direction. For additiona article, try clicking

The poor performance of the music streaming company had forced Jay-Z to change the management several times. Some of the executives appointed chose to step down on their own due to the performance of the institution. Clients from all over the world thought that the establishment was about to freeze. To worsen the situation, several managers stepped down. Jay-Z had to come up with a plan to make his investment profitable.

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Desiree Perez has worked extremely hard to help Tidal get back on its feet. First of all, she has introduced new customers to keep the operations running. She has also made the new customers get an interest in the company. Experts in music streaming say that Jay-Z’s decision was the best for the enterprise. The successful businesswoman has a lot of expertise in the industry, and she understands the Tidal better than the owners. Since her appointment, the company has already conducted several transactions, earning millions of dollars. Her experience in the field has played a fundamental role in the success of Tidal, check this on

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Todd Lubar – A Prominent Name in Real Estate and Mortgage Banking Sector in the United States

Todd Lubar has been a part of the real estate space for close to three decades and started his career in the industry by working for Crestar Mortgage Corporation as a loan originator. While working at Crestar Mortgage Corporation, Todd Lubar learned in-depth about the different aspect of conventional mortgage banking, which is also an important component of the real estate industry.

During his job as Loan Originator, Todd managed to expand his network in the real estate sector and befriended many influential professionals, including real estate agents, insurance agents, financial planners, CPA’s, investors, and more. It is this network that helps Todd Lubar till date to continue to get referral business.

In the year 199, Todd Lubar took his career to its next stage by acquiring equity at the Legacy Financial Group. It helped him get the flexibility he needed to offer loans to a wider audience and act as a mortgage bank legally. In the next couple of years, Todd Lubar worked upon strengthening his foothold in the real estate business, which helped him open Legendary Properties LLC in the year 2002.

It is a real estate development firm that offers comprehensive real estate services, including buying, selling, and property management services. Thanks to Todd’s strategic business moves, the turnover of the company and the market hold of the firm continue to grow exponentially in the next few years. It is this success that helped Todd Lubar develops close ties with the banks. It helped him develop a line of credit to the extent of $20 million.

In 2003, Todd Lubar inaugurated Charter Funding, which was a subsidiary franchise of First Magnus Financial, a highly reputed private mortgage companies in the United States, and one of the largest as well. With the help of Charter Funding, Todd Lubar was able to gain access to many different programs and products of First Magnus Financial that he offered to his clients.

Todd Lubar did his graduation from Syracuse University in Speech Communication. Todd Lubar also started Legendary Financial LLC, which provides commercial loans to enterprises as well as individuals. Todd Lubar has so far throughout his career been a part of more than 7,000 transactions, which clearly showcases his experience and expertise in real estate, banking, and finance sector. More details can be found on LinkedIn.

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USHEALTH Group Will Take Care of You

US HEALTH Group offers many customizable plans for you to choose from. They are a company that has over 50 years of experience and has served over 15 million customers successfully.


USHEALTH Group has many plan options to choose from, including PremierChoice, Secure Advantage, SecureDental, PremierVision, MedGuard, Life Protector, Accident Protector, Income Protector, and Essential Health Benefit Plans.


With the PremierChoice plan, you can buy more coverage if you want, when you need it, without having to go through any additional underwriting. You also don’t have to satisfy any calendar year deductibles. You have the freedom to pick any doctor of any hospital of your choosing.


With the SecureAdvantage plan, you can lock your rates in for 12, 24, or 36 months and you also get flexible deductible choices.


SecureDental offers three plans, including their Premium Plan, Saver Plus Plan, and Saver Plan and with the PremierVision plan, you get an EyeMed Insight network of over 71,400 providers.


MedGuard is a five year renewable term life insurance that will give you quality coverage if you get a critical illness. MedGuard will even give you a lump-sum cash payment if you are diagnosed with a covered condition.


LifeProtector is a 10 year term life insurance plan that will provide protection to help cover your mortgage, car payment, educational expenses, childcare, or any other expenses tat you may have.


Accident Protector is a supplemental excess accident insurance that will provide extra coverage in order to assist in covering out of pocket expenses incurred by an accident.


Income Protector is a short term accident disability insurance that will help you to survive financially without a paycheck. USHEALTH Group understands that just because you or a family member get s injured, doesn’t mean that your bills will stop piling up.


USHEALTH Group also provides Essential Health Benefit Plans that have been specifically designed to provide coverage for all ten categories of health care services covered under the Patient Protection and Affordable Care Act, or ACA.


USHEALTH Group is based out of Fort Worth, Texas and is dedicated to providing health coverage for its clients.


EOS Provides Quality Lip Balm Flavors

EOS (Evolution of Smooth) has been in business for about 7 years, and has experienced tremendous success in this short time. The founders of EOS got their products featured in a Walgreens grocery store, and after consumers responded favorably, EOS was able to take their products to more discount department stores and grocery stores. Useful link here on

EOS also offers several lip balms in a variety of flavors that are pleasant to the taste and beneficial for the lips. The Organic Smooth Spheres are perhaps the most recognizable lip care products from EOS, and are available in flavors like Vanilla Bean, Passionfruit and Blueberry Acai. These lip balms contain antioxidants to prevent premature aging of the lips, and shea butter to shield the lips from sun damage. Organic Smooth Spheres are also available in Summer Fruit, Pomegranate Raspberry, Sweet Mint, and Honeysuckle Honeydew varieties. Follow EOS on

Evolution of Smooth also provides a few Visibly Soft Spheres, which add more shine to the lips and contain ingredients like coconut milk to make the lips especially smooth, check  Customers who want a hint of color can purchase the Shimmer Smooth Spheres, which are available in either a pearl or pink shade and contain conditioning ingredients to nourish the lips. More on this.

For more information on all the great products EOS offers, visit