Monthly Archives: October, 2016

Stock-based Loans Provided by Equities First Holdings, LLC

Equities First Holdings, LLC provides lending services based on securities for individuals and business investors. They offer loans based on their automatic evaluation for future performance and associated risk with Treasuries, bonds, and stocks. In 2002, this company was funded. It has a satellite office in New York. However, its main offices are in Indianapolis.

Equities First Holdings, LLC is foreseeing more traction in stock-based loans and margin loans in an economy where lending institutions and banks have a tightened lending criterion. For borrowers in need of necessary capital for credit-based loans, equities lending has grown to be popular.

While these people have other options, many banks have tightened loan qualifications, cut their lending options, and amplified interest rates. CEO of EFH, Al Christy, sees that the stock-centralized loans as a modern loan alternative for those in need of necessary capital.

During a two-year loan term, the investment risk is lowered through the hedge given by the stock-based loans. Stock-based loans are flexible and allow borrowers to dump it, even when their value depreciates. The borrower can keep the proceeds without any obligation to their loaners. Moreover, some consider stock-based and margin loans to be synonymous. Here are marked differences even though they use securities for collateral.

The borrower must be pre-qualified with a margin loan. They may also require that the funds be utilized for a purpose as with banks. There are variable interest rates, and the borrower expects ratios between 10 – 15 percent. In the event of a margin call, the lending firm can liquidate the loaner’s collateral with no warning.

With these loans, borrowers expect higher interest and loan-to-value ratio from 60 percent. There are no loan restrictions. This money can be used for any reason. For this reason, these loans are non-recourse. Therefore, borrowers have no obligation even when the collateral stock has decreased.

There is always a risk associated with any form of financial transaction. Many lenders have dumped these options. They are provided by stock in the past. Its mission provides maximum benefit to their customers.

for more info: equitiesfirst.com

Wearing Pink for a Cure With Fabletics

The month of October is known for more than the changing colors of leaves as fall approaches. It is a month that is filled with bizarre and unique celebrations like Cookie Month, Apple Jack Month, and Clergy appreciation month on YouTube, but the most significant celebration of all deals with the fight to break the back of a killer. Whether it’s firefighters wearing pink tee shirts, NFL football players in pink jerseys and socks, or local marathons for the Susan G Komen foundation, everything about October celebrates Breath Cancer Awareness.

Breast cancer is a malignant sometimes terminal disease that forms in the tissue of the breast. Although it can afflict men and women, it is the most frequently diagnosed cancer in women. It ranks second after lung cancer to cancer deaths in women.

This year the Council of Fashion Designers of America has partnered with Fabletics to support their Fashion Targets Breast Cancer initiative. CFDA is a non-profit that aspires to increase the global influence of American fashion. The initiative represents some of the nation’s best and the world’s finest brands and designers. CFDA’s partnership with influential designers and photographers from the fashion world has worked for over twenty-two years and has become one of the world’s most sought after charities. The organization has raised over $55 million in the campaign for breast cancer patient care. These funds will help low income minority and immigrant women cope with their cancer diagnosis. It also provides them with access to screenings, treatment, and other support services.

The beautiful American actress, Academy Award nominees, daughter of Goldie Hawn, and co-founder of Fabletics, Kate Hudson is the Ambassador for Fashion Targets Breast Cancer this year. The mission of Fabletics according to Hudson is about empowering, encouraging, and teaching women to be the best they can be by living their best life. The best life for any woman anywhere is a life that is cancer free. Fabletics is an online retailer that specializes in women’s sportswear and accessories. The company offers its members personalized outfits based on their lifestyle and fashion preference.

To honor its collaboration with National Women’s Health and Fitness Day and Breast Cancer Awareness Month, Fabletics will debut a three piece capris, sports bra, and tank set which will be available starting in September, and they plan to design a limited edition sports training outfit in pink. All proceeds go towards breast cancer prevention.

By supporting CFDA and Fashion Targets Breast Cancer, Fabletics makes a daring yet positive statement about the power of fashion. They’re saying that doing good is just as important as looking good. The hope is that others will follow their example to think pink, wear pink, and pray for a cure.

Learn more about Fabletics:

https://en.wikipedia.org/wiki/Fabletics

ClassDojo is Helping Teachers And Parents Communicate

 

One of the most traditional aspects of education is the teacher and parent conference. The time is taken for the conference to discuss how children are progressing in school. While the conferences serve an important role in the educational system, the method that is used to conduct the conferences has not be altered for many decades.

 

However, in recent decades, technology has impacted education. Currently technology allows schools to do things that were unthinkable even a few short decades ago. While technology has made an impact in many areas of education, the teacher and parent conference is one of the areas that technology has not addressed.

 

This is slowly changing because ClassDojo is a company that is providing an app that is designed to allow teachers and parents to communicate in ways beyond the traditional parent and teacher conference. The app is helping schools currently in many aspects regarding teacher and parent communication.

 

Recently ClassDojo was able to acquire funding in the amount of 21million dollars for enhancements to the app. The funding will be used in a variety of ways to add functionality and features to the app to provide schools, teachers, parents, and students more ways to utilize the app.

 

One of the major benefits of the ClassDojo app is that it allows teachers and parents to communicate on a regular basis. The need to actually schedule conferences and meet face to face is not needed with the use of the ClassDojo app. There are other benefits to the Class Dojo app that many teachers and parents are able to use on a daily basis.

 

The ClassDojo app has features that allow teachers, parents, and students to accomplish a wide variety of tasks. Teachers can conduct school scheduling activities, create videos, send videos, take pictures, send pictures, and load student schoolwork on the system for others to view. In a similar fashion parents and students can use the ClassDojo app for various tasks related to the interest of parents and students.

 

The ClassDojo app is currently in over 80,000 schools. The recent funding acquired by ClassDojo will allow the app to be available in more schools along with enhancements to the app to provide users with more features and options.

The app developed by ClassDojo allows schools to help teachers, parents, and students communicate on a platform that is designed for educational communication. The app allows users to communicate on a regular basis and share information, videos, and photos.

 

Find out more about ClassDojo:

http://www.businessinsider.com/ed-tech-startup-classdojo-is-going-viral-2016-7

WEN By Chaz Pleases New User

Chaz Dean is one of the hottest hairstylists today. His clients includes Hollywood A-listers and some of the best known models and entertainers on the planet. Born in Vermont and raised in New Jersey by his adopted parents, Dean came to Los Angeles to work as a photographer. He decided to attend cosmetology school to enhance his photography career. Instead he found an entirely new career at which he has excelled. It’s not only Chaz Dean’s talent that sets him apart, it’s also his dedication natural products and holistic methods.

The natural approach he uses at his Chaz Dean Studio focuses on creating harmony and what’s best for the health and beauty of his client’s hair. He believes in educating his clients and teaches that shampoos, bleach and irons dry and damage hair. He hasn’t used shampoo since 1993. After having created haircare products for many companies, he decided to create his own haircare line. The WEN Hair by Chaz line uses only natural ingredients and does not offer a shampoo. Instead it features a fantastic cleansing conditioner.

Recently Bustle.com featured an article written by a woman after using WEN by Chaz for the first time(http://www.bustle.com/articles/136320-i-used-cleansing-cleansing-conditioner-on-my-fine-hair-heres-what-happened). She explained her hair is fine and stringy and she wanted a hair care product to give it body and shine. Following the directions on the WEN by Chaz Fig cleansing conditioner container, she used a generous portion and rubbed it into her scalp and out to the ends of her hair. After a few minutes she rinsed it out. Almost immediately she began feeling increased body in her hair.

She followed the instructions for 7 days. On day 4, her co-workers were complementing her on how good her hair looked. By day 7 her hair was shiny, bouncy, healthy and clean and looked great. Get Wen hair products online, visit guthy-renker.com or at http://www.qvc.com/beauty/wen/_/N-rhtyZ1z141dz/c.html.

 

Equities First: The Difference Between Margin And Stock Loans

According to a recent article on marketwired.com, Equities First Holdings, LLC reports that where more banks and other financial institutions have stricter lending rules, they are seeing more interaction in stock-based loans and margin loans.

 

Equities First Holdings is a leader in alternative shareholder financial solutions and is a global lender. People who need to get a loan quick may find alternative equity loans available when they do not qualify for traditional credit-based loans, says the article.

 

In this economic climate, many banks have made tighter regulations for loan qualifications. They have also increased interest rates, says the article. The founder and CEO of Equities First Holdings, Al Christy, Jr., considers stocks as collateral for those who are seeking loans for capital. Traditional marginal loans have less value than stock-based loans. The former can be had with a fixed interest rate, the article states.

 

In a quote, Christy says that the market fluctuates during the term of a three-year loan. There is a hedge on stock-based loans because the borrower does not have as much of an investment risk. Even if the stock goes down, borrowers are not obligated to stay with a stock loan, says Christy. They can keep the first part of the loan proceeds and not be obligated anymore to the lender.

 

Christy explains the difference between stock-based loans and margin loans in the article. Although some people think they are the same, they actually are not, says Christy. On stock loans, there are no restrictions on how the money is to be used. Borrowers get a low-interest rate and a loan-to-value ratio as high as 75%, the article says.

 

In a marginal loan, the money must be used for a certain purpose. The variable interest rate is higher and the loan-to-value ratios are lower. In the event of a margin call, the lending institution may liquidate the borrower’s collateral without notice.

 

Although there are risks associated with any type of financial transaction, stock-based loans have not received a lot of attention, says Christy. This is because of bad business procedures on behalf of some lenders. Christy says that Equities First Holdings has a mission to deliver the best benefits with minimal risks for their customers’ financial goals.

 

Equities First Holdings, LLC has provided clients with alternative financing solutions since 2002. They also make loans against publicly-traded stocks for their clients. They have a client base around the world. This company has offices in London, Hong Kong, Singapore, and Australia.

 

http://www.equitiesfirst.com/ for more information’s.

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