2015 Selloff Offered Fear and Opportunities

Tim Armour became Chairman of the Board of Capital Group in July 2015, after the untimely death of Jim Rothenberg.

Timothy Armour began his investment management career with Capital in 1983, through the company’s Associate Program. His first position was that of an equity investment analyst. Through his 30 years of service with the company, Timothy Armour slowly moved up the ranks as he honed his skills and knowledge in investment management. And, unbeknownst to him, the experience and knowledge of the market was going to help him to keep a cool head during the tumultuous times of 2015.

In August of 2015, just one month after being named Chairman of the Board at Capital, a major selloff hit the market. First, let’s explain what happened during the selloff. At the opening bell the Dow dropped a 1000 points, a major drop that has never been seen before. Other markets around the world saw huge declines. The reason for the drop came in two steps.

Related: https://www.ft.com/content/3642213e-308e-11e5-8873-775ba7c2ea3d

The first hint of problems was the slowing of China’s economy. Their statements of economic growth of 7% was overstated. Then China devalued their currency. That was the red flag that spooked the markets, causing the fear factor to rise and the markets in the US and around the world in a downward tailspin.

What was Timothy Armour’s view of the situation? His first assessment was that the market had been in a bull market for the past 6 years and a correction, though painful to many, was not unexpected. Moreover, the periodical correction of the market is healthy. At the time of the selloff, many of the stocks were greatly overstated. Thus, this adjustment helped to remove those pockets of excess.

Timothy Armour felt that the reforms that China implemented would cause growing pains for their economy because it was in the process of transitioning from a closed-focused investment economy to an open-focused economy. What was his advise to weathering this turbulence in the market? He stated that investors should be prepared for a rocky transition, and in the meantime, it would be wise to invest in strong companies until the rocky times in the market became more stable.

Moreover, he felt there were areas of opportunity for investors. For example, the Chinese Internet companies presented buy opportunities within China, as well as, those same companies based in the US.

View Timothy Armour’s Tumblr for more investment insights and market trends.




Bet College Basketball Like you Invest, Do Your Research

I’m a little conservative when it comes to my investing. I don’t like big risks. I do my research and buy safe equities that I hope will give me steady returns. When it comes to betting college basketball, I’m the same way. I do my research and only bet on sure winners. But, as I’ve learned in investing and betting, there is no such thing as a sure winner. To increase my chances of winning though, I turn to one place, Covers.com. I never make a wager without checking the college basketball odds at Covers.com first.

Just a few weeks ago my buddy was over watching some games with me, a big Michigan guy. He was convinced that I made a bad bet. I was betting UCLA to beat the spread against Michigan. The spread was 9.5 points, the Bruins won by 18. I made a few hundred bucks. If my buddy would have checked the college basketball odds on Covers.com, like I did, he might have won some money also. While I was there I read the Game of the day article and learned that UCLA was hot. They just beat No. 1 Kentucky, and were shooting at 55 percent. The article was well researched and got right to the point. I don’t have time for long winded articles with very little information. That’s why Covers.com is always my first and last stop when I want to know the real story.

The snow is starting to fly where I live, and that can only mean one thing, March Madness is just around the corner. This is the time of the year when I start following the March Madness Odds on Covers.com. I know they will change quite a bit between now and March, but it pays to be on top of things. Like my investing, I don’t like to go with my “gut,” I want cold hard facts. After all, I work hard for my money. Most people would respond by saying, “Then you shouldn’t gamble it away.” And they’re probably right, but I would tell them “Information is power.” So knowing the up to date March Madness odds are the best way I know, to reduce the risk on my March Madness bets.

Helane Morrison and her journey in the law industry

Helane Morrison is an American lawyer and businesswoman. She was born in Brooklyn, New York. Helane went to Northwestern University where she attained a bachelor’s degree in journalism. She proceeded to the University of California, School of Law where she got her Juris Doctor. Morrison began her career in the law sector as a law clerk for a Supreme Court Justice. She moved to the law firm of Rice, Canady, Howard, Nemerovski, and Falk & Rabkin situated in San Francisco. Later on, she became a partner of the firm. She dealt with business litigation, internal corporate investigations, defense of private security activities, and SEC matters. She left in 1996.


She was hired by Securities and Exchange Commission (SEC) as the director of regional enforcement activities at the San Francisco Office. She received a promotion and became the district administrator, making her the first woman to serve as the District Chief. Due to her good work, she became the regional director. Her role was to supervise examination, litigation, and enforcement matters under her jurisdiction, which included Northern California, Alaska, Idaho, Northern Nevada, Oregon, Montana, and Washington.


Helane represented the SEC in business, legal, government agencies, news media, and financial committees. Under her reign, San Francisco office exposed many high profile cases involving untouchable executives from NextCard Inc. Hewllet Packard, Google, as well as HBO & Co. Helane also exposed American Amicable as the company was selling false securities. Morrison supervised three major investigations that led to enforcement actions against the Republic Securities of New York.


During her tenure, the staff at the San Francisco office doubled due to the increased workload for the enforcement as well as the examination staff. The examination staff studied the records and books of registered firms such as brokerage firms, investment advisors, and mutual funds. They then forward the case to the enforcement staff or deal with minor problems by writing deficiency letters to the business and requesting corrections. The enforcement personnel investigate and prosecute businesses who cheat investors. Morrison’s achievements at SEC were very impressive.


Morrison was hired by Hall Capital Partners LLC as the Managing Director, Chief Compliance Officer, and General Counsel of Hall Capital Partners, LLC. In addition, Helane is also a member of the executive committee of the firm. The pioneering spirit of the company motivated Helane to leave SEC and join Hall Capital.


From the beginning, Morrison has worked very hard to prevent corruption. She has succeeded in revolutionizing the financial industry and exposing unscrupulous brokers. Morrison has left a mark for the three decades she has been in the industry.


George Soros Rises Again

The billionaire philanthropist George Soros has given more than $25 million to back up his support for Hilary Clinton and other causes for the Democratic candidates. The investor billionaire, who has closed his political ambitions after bankrolling the Democrats with more than $25 million, has emerged as the leading funder of the Democratic politics. According to research, he is leading boogeyman conservative. According to the Forbes Magazine, he was the largest donor of the 2016 presidential elections in the United States.

George Soros has committed or donated more than $27 million to boost other Democratic candidates including presidential aspirant Hillary Clinton. According to the Federal Electoral Commission and the Democrats fundraising operatives, this amount may be higher than the stated. For this reason, he came out as the largest donor for the 2016 elections. While the election days are nearing, the expect George Soros to give more to his political associated than ever.

The 85-year-old George Soros is based in New York. He had a previous plan to attend the opening presidential speech ceremony for Hillary Clinton. However, he never attended due to unavoidable circumstances. When he was asked, he said that there was an economic situation in Britain which required his attention. For more than 25 ears, he has had a close relationship with Hillary Clinton. Moreover, their personal relationship and basic living and governing ideologies have led him to work together through these election and campaign period. George Soros is determined to have Hilary seated at the White House. George Soros has had an active involvement in economic trade against the risky environment where he gathered his fortune.

Read more:
Here’s How George Soros’s Latest Predictions Have Played Out
Wake up, Europe

As a matter of fact, the people close to George Soros say that he is more actively involved in the recent political elections more than any other year. In the past, George Soros was just a political activist. However, he has been motivated by a better world in which Hillary Clinton was president. For this reason, he never wants a chance for Donald Trump to lead this powerful nation in the world. George Soros has accused Donald Trump of doing the work of ISIS. According to George Soros, Donald Trump is a selfish racist running for the presidential campaign in America.

Michael Vashon, George Soros political advisor, has consistently activated missions of a political campaign for the Democrats under the direction of George Soros. However, this year’s political stakes are too high for everything to carry their correct course. They were still high before Trump was nominated to carry the Republicans’ flag for the American presidency. According to George Soros, most of the issues he cares about are violated by Donald Trump. For many years, he has worked to supports the ideas of a better world in which everyone has an equal share in the environment. However, Donald Trump lives for less. He lives in a divided nation.

Therefore, George Soros has committed more money to the presidential campaigns to beat him out of power. This is one of the best signs for Hilary to win. Soros has potentially given all to back up Hillary Clinton.

Read more about George Soros on Forbes

Some of the Best NFL Betting Available

When it comes to betting for the Super Bowl, a lot of people take this incredibly seriously because of the fact that they can actually make a lot of money from it if they play their odds right. Betting is one of the best ways for you to make money on something that you already love watching and this is why so many people are looking into NFL odds so that they know which team to root for when it concerns the specific type of options that are available to them.

The moment you begin to look into NFL odds, you are going to see which teams are more likely to win the Super Bowl so that you could have a better chance of winning when you choose to bet. Choosing to but this way is much easier method for you and your loved ones and it is also a better way for you to win because of the fact that the odds are in your favor. There are many different ways for you to bet on all of your favorite NFL games, but one of the most important things is to look into the different Super Bowl odds that you will be able to choose for yourself when making the decision to finally begin betting.

One of the most important thing for you to consider is to use a company such as covers.com to do all of your NFL betting. This is a wonderful company for you to utilize when it comes to finally doing the betting right for you and is going to allow you to win no matter what the odds happen to be right now. Betting on all of your favorite football games and teams is something that you will find to be incredibly beneficial in your own life and allow you to finally make the money you have always dreamed of making now that the Super Bowl is fast upon us.

No matter what the football odds happen to be right now, it is still a good idea for you to consider betting with a company like Covers.com and to know that you are doing something beneficial for yourself and your future finances. This is something you will find incredibly beneficial each and every time you make use of it and this is why a lot of people choose it for themselves when they are looking to finally begin betting on their favorite football teams.

Lime Crime: A Color Revolution

Lime Crime was developed by Doe Deere, a Russian immigrant. She came to New York when she was a teenager. Deere says that she has always had an artistic flair. As a teen, she and a group of friends started a music group and went on tour. Her mother taught her to sew at an early age, so she designed all of the costumes for the group.

Doe Deere loves dramatic color. While in New York, she attended college for fashion. Fans of their music group loved the outfits she designed so much, that they wanted to buy some for themselves. Lime Crime began as an eBay store that sold Deere’s fashion creation. She says that the name came from her favorite color (lime), and a silly rhyming word.

Her work ethic has always been strong. As an entrepreneur, she modeled all of her creations herself. Deere says that she never liked the choices of makeup colors on the market at the time, so she developed some of her own colors. They were as vivid as Doe Deere’s personality.

In time, her fans wanted to buy her makeup. Soon, the makeup business eclipsed her fashion market. It became an exclusive makeup company. Today, Deere’s company is a multi-million dollar enterprise that sells makeup online. Customers adore the lush colors of lipstick, eye shadow, blush, and nail polish.

Deere travels the world promoting her company and female empowerment. She believes that women can do anything when they set their minds to it. She has mentored thousands of women who want to be entrepreneurs. She shares her story and encourages her listeners to reach for the stars.

Doe Deere is an animal lover and supports several animal charities. She proudly proclaims that her makeup is certified as cruelty-free. This means that the company does not use any animal products in their makeup. None of the products are tested on animals, either. Deere says that her brand is kind to the animals and the earth.

Customers can buy Lime Crime from its website. They can choose from all the luxurious colors and have them delivered straight to their door. Deere says that her company has an excellent customer service department that is friendly, experienced, and ready to help with any questions or problems. She believes that her company is a revolution in the world of makeup.

Goettl Air Conditioning Services

America is a place you wouldn’t want to live without an air conditioner. For almost a third of the year, the country has an average of 9 degrees Farads. While this climate remains advantageous, you need to have it cool for you. For this reason, Goettl has set the air conditioning services to make it possible to maintain a happy home. The company offers a broad range of services from routine tune-ups, 24/7 AC repair, air conditioning sales, and much more. For comprehensive air conditioning services, Goettl remains the best option.

Factors to Consider When Choosing the Right Air Conditioner
You already know how confusing it can appear to determine your specific needs and how much money you require. This happens when you are looking for a good air conditioner. The Goettl AC installation service takes care of al your cooling services correctly if a new system is what you seek. When selecting the right packaged unit, Goettl specialists are always there with you.

Matching the Home System
The most difficult and challenging aspect of picking up an air conditioning system is picking one that matches the size of a home. Yu require a specialist to advise you. It is always never good enough to have the most robust, reliable air conditioning system in your home. However, that is not the case. A larger unit has many problems that a smaller one. Reduced longevity and short-cycling are the consequences of incorrect sizing.

Hiring a Professional Contractor
It is always a big investment undertaking a new installation. Therefore, be sure to get the correct model for your home. For this reason, our experts are ready to work with you throughout the entire process. They never rest until they achieve a well-conditioned home for you and make your unique needs.

Signs That Your AC Needs Repair
There is nothing embarrassing than your air conditioner breaking down during a summer afternoon. For this reason, our company provides professional and prompt repair services to clients. Goettl has someone to look ready to assist you at any time whenever your air conditioner fails, or you want to ascertain its correct working standards. You never worry about getting stuck without a professional’s assistance. Before we begin the work, we always provide you with a brief expenditure. You are free to approve the budget. Our regular maintenance services ensure that the conditioner remains working without clinches. Air conditioning systems last a few years with the proper maintenance and care.

Why You Need Laidlaw & Company

Lots of individuals are sick and tired of losing money on investments that are not worth their time. The problem with investing is that you can lose a lot of money in a very short period of time if you do not do the right type of research or homework when it comes to getting the most from your Investments. This is why working with a company like Laidlaw & Company can be one of the best options for you and your loved ones and even a business that you happen to own and would like to begin investing into.

One of the benefits that comes from working with Laidlaw & Company is that their team of experts known as Matthew Eitner and James Ahern aid you in just about anything you need to get done. They are highly experienced in the investment industry and know exactly what to do when it comes to putting your hard-earned money into Investments that actually work. This can make you feel confident knowing that your Investments are actually going to work and are going to provide you with money as opposed to make you lose it over time.

For you to begin working with Laidlaw & Company, it is a good idea for you to contact their offices to see what they can do for you and any other options that might be available to you at the moment. Laidlaw & Company has years and years of experience in this industry so that you can feel confident that you are working with a team of professionals who truly want to help you every step of the way. There is a reason a lot of people are choosing to work with this option for themselves and it is one of the best ways to get money that you would like to begin investing.

Brazilian Construction Firm Builds World’s Second Platinum Certified LEED Sports Arena


Mineirao Arena, built by Brazilian construction company, Construcap has achieved a platinum LEED certification for sustainability. The soccer stadium is only the second sports facility constructed in over a decade to have platinum LEED certification. Construction by Construcap was completed in 2013. Certification was done by the US Green Building Council.  The YouTube video titled “Construcap – Obra em Humaitá” really highlights the positive work that they have undertaken.



USGBC oversaw the construction and planning of Mineirao Arena and certified all work for the arena with its seal. This is necessary for a project to qualify for an LEED rating. The following criteria was taken into account for determining the LEED sustainability rating of the stadium built by Construcap. They included water usage, indoor air quality, energy efficiency and supply, recycling, reuse of materials, the use of new technology and meeting the needs of local people.


The LEED rating system consists of two parts which were met during the completion of Mineirao Arena. The first part is known as prerequisites. This part must be met by projects in order to have an LEED seal and rating. The second part is known as credits. They are optional, but the more credit points a project has, the higher its LEED rating will be. Platinum LEED rated projects have 80 or more credits out of a maximum of 110. This was achieved during the building of the sport facility by Construcap.


Here are some of the features of the new sports facility that have helped the project achieve the platinum LEED certification. Architecturally, the stadium was created to be airy and to maximize the effects of air conditioning. This leads to less energy being used and improves the indoor air quality. A rain water catchment system was also built into the stadium. It supplies the water used for urinals and toilets at the arena. It is also used to irrigate the soccer field and green spaces at the facility. This rainwater catchment system reduces water consumption by up to 70%.


Electricity is provided by solar panels that generate enough energy to supply over 1,200 homes. Automated electrical equipment helps to ensure energy efficiency. A waste collection and reclamation system allows up to 90% of wastewater to be reused over again. The rainwater catchment system can also hold up to five million liters of water. This should be enough for a three month period in times of drought.  Construcap details information about all of their projects, on their website.


Debunking The Tax Haven Myth About New Zealand

The recent media reports about New Zealand cozying up to foreign trusts within the country and offering them a safe haven to operate has not gone down well with the legal community. There seems to be a misunderstanding regarding New Zealand’s status as a tax haven for private individuals to cash in and relax which certainly is not the case. Clearing the air on the subject, lawyer Geoffrey Cone provides factual insights to the fact that the country is a model of tax transparency.

The Organization for Economic Co-operation and Development (OECD) maintains a list of possible tax havens around the globe and New Zealand has never been a feature to the said list and is more than unlikely to be a part of it. There are certain underlying factors that are considered by the OECD before giving a status of tax haven to any country. There are certain key characteristics of tax havens which include the imposition of nominal or no tax and the laws of that country prohibit from the exchange of any information with foreign governments. New Zealand as a free state does not favor any such laws, nor does it house any private secretive banking industry. New Zealand was one of the very first countries that initiated the 2002 OECD Model Agreement on Exchange of Information on Tax Matters which supports International exchange of information to administer domestic tax laws. Under the law, a New Zealand resident trustee of a foreign trust is required to keep financial and other specific records for tax purposes by the IRD and submit a Foreign Trust Disclosure Form. This includes information like details of the trust assets and liabilities, the trust deed and descriptive details of the distributions and settlements.

In its endeavor for a transparency, the country has initiated 39 double tax agreements which have been designed to reduce tax hurdles on cross-border trades. It also has signed more than 20 tax information exchange agreements with other countries to prevent cases of tax avoidance and evasion.

Geoffrey Cone and Karen Marshall are the principals of Cone Marshall, an international tax and trusts law firm established in the year 1999. Karen Marshall has been with the firm since 2005 and serves as an adviser to statutory trustee companies. Prior to Cone Marshall, Karen was working in London as a commercial litigator for almost 10 years. Geoffrey Cone has been in the legal field since 1980 and has provided trustee and trust management services to many of its clients. Cone Marshall has been working with International families and advisers over the years and has helped assist them in establishing New Zealand Trusts and companies.