Category Archives: Finance Leaders

James Dondero-Giving Back to the Community

James Dondero is a philanthropist who is an effective supporter of the Dallas community. He founded his company, Highland Capital Management in 1993 with co-partner, Mark Okada. The company specializes in loan obligations, long-only funds, and credit hedge funds to name a few.

Since founding his successful company, James Dondero has donated a generous amount of money to various charities and non-profit organizations in the Dallas area. His generous donations have helped the Dallas community to grow and improve educational opportunities for many as well.

James Dondero has donated monetary assistance to The Family Place, the Dallas Zoo, Education is Freedom, the George W. Bush Presidential Library, the Snowball Express, and many others. Read more about James Dondero at Daily Forex Report.

Dondero resides in Dallas, Texas and has headquarters in New York, Seoul, and Singapore.

The Dallas community is not the only important thing to James Dondero. His employees and clients are also very important to him. His investment firm has been recognized as one of the best places to work according to the Dallas Business Journal. Highland Capital Management has also been ranked one of the top places to work for companies with between 50 to 249 employees.

Although James Dondero is extremely busy with his business, he still takes the time to help out the community and many aspiring entrepreneurs. Dondero obtained his education from the University of Virginia’s McIntire School of Commerce. He holds two Bachelors of Science degrees in Accounting and Finance.


Dondero gained financial training from JP Morgan, and he also worked for American Express where he managed $1 billion in fixed income funds. Dondero was also the Chief Investment Officer for the GIC Subsidiary at Protective Life.

When the Dallas Zoo was close to closing its hippo habitat, he stepped in and now the zoo is not only open but is thriving and has many more visitors thanks to various improvements. The Dallas Zoo is s gem I n the Dallas area and makes it possible to enjoy exotic animals without having to travel all the way to Africa. Organizations such as the zoo help o bring in business to Dallas. Visit his website at

Repealing The Myth: Why Passive Funds Are Not A Guarantee For Better Retirement

According to business mogul Warren Buffet, passive index funds are very cost-effective as compared to hedge funds. To prove his theory, the billionaire pledged a mammoth $1 million to charity if his investment in the passive funds yielded lesser return than his hedge fund competitors. By the look of things, Buffet’s gamble will pay off.

Warren Buffett is a well-known investor, known for his passion for cheap, long-lasting investments. Having noticed a rapid increase in second-rate and exorbitant funds that yield little returns, Warren decided to change his approach on the matter. He went for another tactic, one that involves an arduous scrutiny of enterprises before investing on them for a substantial duration.

Read more on Bloomberg.

As a consequence of high maintenance charges and excessive trading, a majority of mutual funds yield little returns. On the contrary, most folks are under informed on the matter regarding passive index investments, precisely the volatility risks, and opportunity costs. However, both of these factors are irrelevant. Rather, the profitability of returns and affordable costs should be the top priority.

It is popular belief that staking on passive index funds guarantees a pleasurable life after retirement. Though they have the upper hand over other investments, index funds are not immune to market downturns. In a research conducted online, a significant percentage of stakeholders were unaware of the risks posed by index funds on the event of market crashes.

About Timothy Armour

In the vast corporate world, Timothy Armour is one of the prominent individuals. His work portfolio consists of leading companies, including the Capital Group, where Timothy Armour is the incumbent chairperson. An alumnus of the prestigious Middlebury College, Tim has accrued massive experience in his illustrious career, which spans over three decades.

Find more details about Timothy Armour at

Primary Specialties of Equities First Holdings

Equities First Holdings is a highly regarded global money lender. They have several stocks that they hold as collateral and they closely monitor their performance. Al Christy Jr. is in charge of evaluating stocks’ performance and also plays a central role in lending his clients the appropriate percentage. As a customer, you are eligible for up to 80% of stock’s value, although so seldom does the amount go beyond 60%.

Loans borrowed attract between three to five percent interest in a period of five years. Presently they are celebrating about fifteen years of service, having accumulated an asset value of approximately $40 million. Although there are other loan lenders, Equities First maintain their clients because of their favorable interest rates.

Details Enhancing Continued Growth at Equities First Holdings

It is worth appreciating the Equities First Holdings founder and CEO for his aggressiveness. He realized an inclination towards financiers taking stock as loan collateral and implemented the same at EFH. While other lenders keep hardening the loan acquisition process, he makes it easy for people to acquire capital.

From his findings, most people had difficulties meeting their professional goals due to financial constraints, something he could help solve. Since 2002, the company counts more than 650 transactions successfully made, amounting to more than $1.4 billion. It is a milestone worth applauding. Being guided by transparency and integrity, they have been able to lead legal and regulatory institutions across the world.


Following the past remarkable success achieved at EFH, no doubt there is even more to expect. They have maintained low fixed interest rates, and this keeps popularizing them. Right now they have offices in nine countries, with fully owned affiliates in London, Australia, Hong Kong and Singapore. They get motivation from their mission, which is to deliver maximal benefits with minimal risks, so as to enable their clients to meet their desired goals, both personal and professional.

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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.

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Equities First: The Difference Between Margin And Stock Loans

According to a recent article on, 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. for more information’s.

David Osio Business Man And Philanthropist

Businessman and entrepreneur David Osio is primarily a businessman but he is trying to be known more for his philanthropic work than his business skills. For more than twenty years David has been in a partnership with several non-profit organizations whose main goal is to better the people, art, and the culture in those communities where he develops businesses. Many of these businesses revolve around financial services which David loves but he also is expanding his financial support of charitable organization on not just a local scale but also a global scale. Locally it is no secret that he is known for his support of music, the arts, medical research, and his local community. Learn more:

On the business side of things, David is the founder and CEO of Davos Financial Group where he is personally in charge of the firm’s domestic and global strategies. Over the past two decades, he has transformed Davos Financial Group into a global powerhouse with offices in all the major financial centers of the world. David started out as a lawyer after graduating with honors from the Catholic University, Andres Bello in Caracas Venezuela. After graduation he began his career in Venezuela as the Director in the Legal Desk MGO, providing legal advice and other services to such multi-national clients such as Ferro, a leading global functional coatings and color solutions provider that supply products and technologies to thousands of clients around the world. Ferro has also pioneered many innovative technologies in ceramics, electronics and consumer electronics. David has also done consulting work for Consolidated Bank a national bank for east Africa’s largest economy.

About 10 years after this legal work was finished he completed course work for specialization at the Institute of Higher Administration Studies in Caracas. In 2010 he received advanced credentials by studying The Management of Investment Portfolios at the New York Institute of Finance.

On his philanthropy, he is noted for his support of the Miami Symphony Orchestra. He was so taken by the Miami Symphony that he also served as a member of its board of directors. When asked about it, he is quick to point out that it is rewarding to see a foundation like the Miami Symphony have the ability to stay in operation year after year and bring the joy of world-class music to the community with the help of our donations. He is also a supporter of the Children’s Orthopedic Foundation He is quoted as saying that every little bit helps when it comes to medical research for children. He has also stated that his hope is that someday those who are fortunate enough can all come together to make a true financial difference in this important cause.

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George Soros Financial and Political Genius

A recent article in Politico reported on the increased efforts and contributions of George Soros in support of the Democrat Party in the United States of America. Soros is a multi-billionaire who has turned his interests away from money after his $1 billion bet against the British Sterling Pound went his way in 1979. There are thousands of investors trying to figure our the Foreign Exchange Market on They would be satisfied with less than $1 billion, but each investor holds Soros in high regard.

His early life was filled with conflict when his native country, Hungary, was invaded and occupied by the German forces during the early stages of the Second World War. Imagine having to live in the United States of America if Mexico had invaded, gained the upper hand, and taken control. The military strength of the U.S. makes sure that this scenario does not happen. But for George Soros, it was a strong and horrid taste of fascism. Next, as a youngster, he would experience his country being liberated by the Russian Communist forces. His parents were able to secure a passport for young George, and he was sent to England to continue his education and experience a new form of political freedom where a monarchy shared political power with a two-house legislature. Finally, his political education was complete when he moved to New York City to began making his fortune in the financial markets.

Read more: George Soros | Open Society Foundations (OSF)

In 1993, George Soros began his Open Society Foundations and started concentrating on the human condition. But the lure of the financial markets is a part of who George Soros is, and he has returned to shorten his positions in stocks as he had warned of another market devaluation similar to what happened in 2007-2008.

George Soros has a strong interest in politics and chose the Democrat Party as his party of choice. Hillary Clinton has been the major benefactor of the $25 million Soros has recently given to the Democrats.

Soros’ fortune is entirely self-made; it was not family wealth like the Trump, Koch, Mars, Cargill or other family fortunes. And perhaps that is the reason that his political leanings are far to the left of others on lists of the richest person or families. There certainly is a great deal of cronyism involved in wealthy families who have powerful individuals helping them at critical times. This cronyism may be the reason for the Republican Party which has been known as a private men’s club and a good ‘ole boy party. The transformation of the Democrat Party with a woman at its head could be a telling sign, and this will further stand in opposition to the Republican Party. Reference:

Professional of Davos Financial Group

David Osio is an excellent businessman who has been a pioneer in Venezuela. He has been a leader of many companies, formed the Davos Financial Group, and has contributed a great deal to social organizations.

Osio studied at Catholic University Andreas Bello in Venezuela, where he obtained a law degree with honors. He then went to the Institute “Estudios Superiores de Administracion” (IESA) at which he completed an Advanced Management Study in International Banking Law. Finally, he went to the New York Institute of Finance and studied Investment Portfolio Management.

To begin his career, he became the CEO and President of OPED Enterprises in 1981. In 1984, he decided to use his knowledge of banking law to join MGO, a law firm in Caracas. Between 1989 and 1993, he served as vice-president of Commercial Banking for Banco Latino Internacional in Miami, and was responsible for managing customer acquisitions, supervising corporate management, and defining market strategies.

In 1993, Osio formed the Davos Financial Group, which offers financial advisory to a select group of clientele (individual companies). It was the first company to do so in Venezuela. This company has since expanded its market to places such as Geneva, Miami, Panama, and New York City. The company presently consists of financial advisors and a real estate group.

The Davos Financial Group is aware of its responsibility to social organizations. Osio’s firm has contributed between $10,000 and $14,999 to the Miami Symphony Orchestra, making them a patron to the ensemble. In addition to the performing arts, he supported artist Carlos Cruz Diez (known for his work in kinetic art, which depends on movement for its effect) on an exhibition in the United States through the Saludarte Foundation. He also gives back to his home country, supporting organizations such as the Children’s Orthopedic Hospital, the Wayuu Taya Foundation (a group which strives to better the lives of indigenous Latin Americans while respecting their culture and beliefs), and Fundana Foundation (an organization that gives homes to victims of abandonment, negligence, and sexual abuse).

For his contributions, he has received awards such as the Medal of Honor from the United States Congress, “Best Offshore Corporate Services Provider” by the magazine New Europe, and the 2014 Miami Award Winner because of Davos. He has been a powerful force in the world of Venezuelan business, and someone who gives back to society.

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