Category: Money Markets

Global Lender Equities First Holdings Sees a Growing Trend Among Borrowers Who Use Stock as Loan Collateral to Secure Working Capital

Equities First Holdings is one of the most influential companies associated with stocks to issue fast working capital. For the company, nothing gives them much honor as to top off the stock-based loans. The company has its presence in various parts of the world with offices in four continents in the world. The headquarters of the company is in Indianapolis, Indiana. Equities First Holdings is now a leader in the alternative financial solutions through shareholder. The Founder and Chief Executive Officer, Al Christy, has noted that there is an increase in the adoption of stock-based loans as one of the most innovative ways of securing fast working capital during this era of harsh economic crisis. Stock-based and margin loans are highly adopted during a harsh economic crisis. During the season of economic crisis, there is an inevitable market fluctuation of stocks and other treasuries. Bonds are also affected with an economic crisis. Moreover, banks and other sources of credit-based loans and financial companies have their loan qualification criteria tightened. For this reason, they engage in issuing the loans using higher interest rates to have most of their customers scared away from the loans. However, the traction of the stock-based loans has grown over the years.

There are many other financing options left for the companies and high net-worth individuals. However, the banks have their lending options cut down to mitigate the effects of the economic crisis for the sake of the population. For this reason, traction of the credit-based loans is often too low for significance purposes. The Founder of Equities First Holdings, Al Christy, has seen the traction of the stock-based loans as one of the most innovative ways of securing fast working capital during an era of economic crisis. Stock-based loans are also characterized by low-interest rates to attract most companies and individuals seeking the fast working capital. As a matter of fact, they are also characterized by the high loan-to-value ratio which allows you to enjoy the proceeds of the loan with greater benefit. The low-interest rates are fixed even during an economic crisis.

According to Al Christy, many people do not understand that there are many differences between the margin and stock-based loans. According to him, there are marked differences between the two. For the stock-based loans, you are not required to state the intended use of the loan as one of the qualification methods. However, this is the case with the margin loans.

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Affordable Housing In Baltimore a Reality Thanks To Kevin Seawright

Kevin Seawright founded RPS Solutions LLC in 2015 with the focused goal of creating more affordable home ownership in the city of Baltimore, Maryland. He guested on the Larry Young Morning Show recently, speaking about his latest project for the urban development company. He told the radio show host that he is quite passionate about increasing the number of homeowners in the city.

Seawright pointed out how stable neighborhoods can become, once home owners increase in number. For many of his company’s clients, this will be the first opportunity they can have to buy a home. He says the history of home ownership proves that when people have pride in their own homes, they work with others to build a safer, happier, and a more productive society. He says this is critically important for Baltimore, which currently has less than 49 percent home owners. The Larry Young radio show is aired over WOLB Talk 1010.

This will create a more solid, healthy, and happy society there, he believes. That is why his RPS Solutions works so hard to help low-income families get the mortgage loans they need to buy a new or refurbished home in Baltimore. His company has been especially focused on the Belvedere Square neighborhood.

Kevin Seawright is a Baltimore native whose career had been focused on managing large projects in education, real estate, and for local government agencies in areas of New Jersey, Washington D.C., and Maryland. He was the Executive Vice President and CFO for the Newark Community Economic Development Corporation (NCEDC). Seawright is highly educated and has vast experience in managing large community projects.  Read more about him, and his appointment at the NCEDC on NJBiz.

Brad Reifler on Real Life Money Monster

Recently, a new movie called Money Monster was released. The basic plot line of the fictional movie was simple. A middle class American was frustrated with a news anchor for how simple Wall St. was portrayed, when Wall St. was essentially an exclusive club for the obscenely wealthy. While there are dramatized points in the movie, the same message really holds true in reality. Wall St. is unfairly modeled to protect the wealthy. This is something that Brad Reifler hopes to battle against with his firm Forefront Capital.

Forefront Capital is a global financial firm that works with subsidiaries and provides realistic financial advice and services to middle class Americans. The biggest appeal of the firm is that it is able to attract high profile and professional individuals while still catering to the smaller middle class American funds.

Through this firm, Brad Reifler hopes to solve some of the biggest issues with Wall St. that prevent individuals with a lower capital from entering into the investment world. Some of the problems as Brad Reifler outlines are below.

A major issue in Wall St. is fees that are associated with investment portfolios. Large fees are still applied by brokers at investment firms regardless of the quality of the work of the broker. That means that whether an individual loses or gains money, the broker is still gaining the same amount of base money through management fees.

Another issue present in Wall St. that limits the amount a middle class American can participate is the quality of investments available to non-accredited investors. Middle class Americans usually do not have the ability to go through the accreditation process, which severely limits the possibilities of investments. For example, without accreditation, middle class Americans can not invest in private equity funds or hedge funds.

Brad Reifler aims to solve the above problems for middle class Americans through Forefront Capital.  Read more about Brad on his website, and check out his free advice on Twitter.