Global Lender Equities First Holdings Notices a Growing Trend Showing Stock-Based Loans May be an Attractive Alternative for Raising Capital

Equities First Holdings (EFH), a leading global lender and provider of alternative shareholder financing solutions, is noticing growing traction in margin loans and stock-based loans in an economic climate where financial institutions have tightened lending criteria. Equities lending is becoming a worthy alternative for borrowers who either do not qualify for more conventional credit-based loans or need to raise capital quickly.
Recently, several banks have reduced their lending options, increased interest rates, and tightened credit qualifications, though some options still exist for borrowers. The Founder and CEO of Equities First Holdings Al Christy, Jr. finds that loans collateralized by stocks are an innovative borrowing alternative for people hunting for working capital. Stock-based loans characteristically provide certainty throughout the life of the transaction as they offer a fixed interest rate and have a higher loan-to-value ratio than margin loans.

The executive also adds that most of these loans have non-recourse a feature that permits an individual to walk away from the loan at any point so the borrower can keep the initial loan earnings with no additional obligation to the lender. Borrowers of stock-based loans can anticipate a fixed rate between three and four percent in addition to loan-to-value ratios ranging from 50 to 75 percent. With a marginal credit, the individual can expect loan-to-value ratios between 10 and 15 percent. Besides, in case of a margin call, the lending firm can liquidate the borrowers’ collateral without warning.

About Equities First Holdings

Equities First Holdings is a global company that provides securities based lending services for investors. The lending firm offers loans based on their evaluation of the risk and future performance associated with treasures, bonds, and stocks.
EFH was founded in 2002 and has completed over 650 transactions worth over $1.4 billion to date. The Indianapolis-based company has offices in nine countries, including London, Bangkok, Sydney, Perth, and Hong Kong. Through the company’s simple processes, borrowers can use publicly traded shares as collateral and gain fast access to liquidity at below-market rates.

The Benefits Of Technology In The Classroom: A Glimpse At Class Dojo

In this day and age, it is more important to take some involvement in your child’s education. Thankfully, even with more parents on the go than ever, technology has bridged the gap to allowed them the opportunity to hone in on what is going on inside of the child’s classroom, to forge a safe and participative learning environment.

What is Class Dojo?

Class Dojo is a mobile app that allows parents to take a glimpse inside of what exactly is going on in their child’s classroom as teachers give them updates through this social media platform. In addition to allowing teachers the ability to post photos and videos of classroom sessions and moments, they will also be able to privately instant message parents, provide additional learning material to deepen the impression of the material covered that day, and allow students to take ownership over the classroom through a number of projects and portfolios. In doing this, your child will be part of a warm and inviting learning environment. Education should always exist in a positive culture, and with this mobile application parents, teachers and students get to all create that environment.

A Growing Startup

It grew little by little, due in large part to the fact that teachers simply fell in love with it as soon as they began using it. It allows them to enhance the capability and reach by tracking the progress of their students and also keeping parents involved. The platform began with simply 80 teachers that took part in a focus group and in just a short month, the platform had grown to a whopping 12,000 different students and teachers. They have yet to monetize the app, but the potential is there and will only keep growing over the years.

Chances are high that if you have not already experienced this application in your child’s classroom, you will very soon. It is growing by leaps and bounds and the reviews indicate that it is an incredible value to the classroom and could very well be a game changer for the education system as a whole.

How Do New Shoppers In New York Find Luxury Properties?

Shoppers who come to the city looking for NYC properties to live in are looking for something that is modern and luxurious. They have expectations about how the places they will live look, and they want to be in certain parts of the city where they can shop and work. Most people have expectations of NYC properties that can be fulfilled by someone at TOWN Residential, and they need to be sure that they are looking at ways to make life easier for everyone.

TOWN Residential has a line on all the NYC properties where people might want to live, and they can get people a lot better prices than they have before. There are many reasons why someone wants to move to the city, but it is mostly because living in the city is a lot of fun for these people.

They can talk to someone at TOWN Residential about luxury apartments NYC has for rent, and then they will be able to learn which places have the right prices and amenities. The amenities that people are looking for all have to do with the community and the building they live in. There are large NYC properties that will help people be sure that they have gotten the right results, and it is important that all these people are able to manage their lifestyle around what the city allows.

TOWN Residential knows how to help people find the NYC real estate they are looking for, and they go for things that are very luxurious and completely outside the scope of old places where people once lived. New York City is modernizing.

Wengie Goes Casual Glam for School

Whether you are a girl on her way back to high school or college, it is a major hassle getting ready in the morning. Wouldn’t it be great to find a way to streamline your morning routine and look glamorous too? Well, Wengie is a genius at creating back to school routines or casual glam routines for back to school. This is a must see video for every girl who is makeup challenged or simply would like to learn more about creating a different look.

Wengie’s Glam Routine
Certainly, a lot of Wengie’s fans would love to know more about her makeup and skincare routine. She is looking fabulous in makeup and looks just as lovely without makeup. Wengie gets started in the video sharing the perfect way to create a base for all your makeup and get a flawless look. That’s right. It starts with applying a high quality primer to your skin. Wengie also clues her admirers in on the best way to create a perfect brow. She makes it look so easy. I definitely suggest watching the video all the way through.

About Wengie
Are you in the market for a beauty guru to give you the inside scoop on looking fabulous? Well, welcome to the Wonderful World of Wengie. She is the talent behind the top Asian beauty channel in Australia.

Kate Hudson Dives Right Into The Workplace Leisurewear Trend

What is considered acceptable to wear in public has changed from time to time and place to place. This is particularly true of the world of the workplace today. Women today have a pleasing array of work wear choices on Youtube, as an article in Yahoo points out. What was once unthinkable to wear to work has now become more and more accepted. Today, women find it possible to wear leisurewear at all times, even when in the office. Such possibilities have led to retailers to consider the ways they can help provide women with access to this kind of clothing.

Kate Hudson Steps In

Kate Hudson is a highly talented actress and someone who knows the world of fashion quite well. As such, she has decided to turn her many talents to the world of clothing design and retailing with Fabletics. She is someone who loves the outdoors and loves doing exercises of all kinds. She has thought long and hard about how to help others do the same. She is also someone who hopes to provide help for women who want to wear such clothing and still want to look good. This is one of many reasons why she has been so active in starting and working with Fabletics.

Read more: Fabletics | Facebook

Comfort And Fashion

As the article in Yahoo points out, comfort and fashion is possible at the same time. Many women love the idea of being as fashionable as possible yet worry about practicality and comfort as well. This is where those designers at Fabletics have been able to step into the void and create clothing that they know women will want to buy and wear often. They are aware that such clothing is clothing that can help women feel great no matter where they are and what they are doing.

An Overall Concept

At Fablectics, the concept is one that Kate Hudson endorses fully. She knows that it is important to offer an overall concept in clothing that women everywhere can happily embrace. She also knows the importance of bringing leisurewear that looks fabulous anywhere. This is why she hopes to be continue to be there for her customers, always providing them with clothing they can find useful in their leisure time and when they are at work as well.

Learn more about Fabletics:

Brian Bonar Recieves Honor From Cambridge Who’s Who

Brian Bonar was named this June in the Cambridge Who’s Who as its executive of the Year in Finance. Brian is the Chairman and Chief Executive Officer of Dalrada Financial. Dalrada Financial Corporation is a financial services company that provides business solutions to small and medium-sized companies.

The services they supply include staffing, human resources, administration, payroll processing and a host of other services that are necessary for a business to have. By having these necessities outsourced it gives the businesses that are customers of Dalrada more time to focus on their core business mission.

Being named in the Cambridge Who’s Who is a special honor for Brian because only two male and two female members in each discipline are named each year to these recognized executive positions.

The executives that fill these spots are chosen by Cambridge’s selection committee based on the executive’s accomplishments professionally, their leadership abilities, and their academic achievements.

According to Spokeo, When you look closely at Brian’s career you can clearly see why he was chosen by Who’s Who. He has over 30 years of management experience in his profession as a financial professional. Because of his depth of experience he has served as Dalrada’s Chairman and Chief Executive Officer. These positions make him responsible for a host of employee, employee benefit, and aftermarket products.

The Main function of Dalrada is to act as a company Marketing Liaison, supplying the company’s clients with an extensive variety of employee and management programs that are designed to increase the clients business efficiency.

These products include risk management insurance, workers compensation packages, financial management packages, and business management services.

The Company’s name, Dalrada, means the Stone of Destiny. This stone was an ancient British relic fought over by many nations, revered for centuries and it was used by British Monarchs as an important part of their enthronement ceremonies. It has always embodied perseverance, valor, dedication, and vision which are the same values today that Dalrada Financial holds.

According to myth, the Stone of Destiny originally was brought from the holy land during the crusades and was what Jacob, the patriarch of the Israelites, used as a pillow in Biblical times. It was then transported to Egypt, Sicily, then Spain and finally taken to Ireland where Saint Patrick blessed it for use in crowning the Kings of Ireland.

It was also used in the coronation ceremonies of the Kingdom of Dalrada and became the traditional coronation stone of Scottish Kings and Queens until it was stolen by King Edward 1st of England. In 1996 the Stone of Destiny was finally returned to Scotland and installed in Edinburgh Castle.

Click on the links below to read more:

Brian Bonar | LinkedIn
Brian Bonar | Whitepages


Laidlaw Presents an Interesting Intersection of Different Fields

I think that most people tend to be pretty quick to label themselves and others. Often time this comes about through identification with job or position in society. Or at least that was one of the first things that crossed my mind when reading about some rather confusing but intriguing details from an ongoing legal battle. On the surface of things it was about an investment bank called Laidlaw & Company fighting a medical research firm called Relmada Therapeutics. But again, this is only a description based on titles and names. It’s ultimately about people and how they interact with each other. Which is also why my curiosity was sparked by the fact that a temporary restraining order and associated injunction had been issued against Laidlaw. And in particular on the shoulders of two people within it, Matthew Eitner and James Ahern. The reasoning was that they were providing information which was deliberately misleading. But that in and of itself might be taken the same way. I’m simply not fond of people having their voice taken away. So I decided to look a bit closer at the company behind the restraining order.

Laidlaw, on the surface, seemed to be a fairly standard investment bank. But that in and of itself proved to be quite interesting due to the company’s longevity. Any large company staying in business for fifty years or so would be impressive. But Laidlaw had been operating since the 1840s. That kind of longevity often says more positive things about a company than any byline might.

But it’s really the people at the top which speaks most clearly to the real heart of a company. And this brought up two familiar names from the case, Matthew Eitner and James Ahern. And what I found really put a human face on things. It’s exactly why I dislike the idea of anyone being silenced, for whatever reason. They were very well represented on the site. There was quite a bit of information about their personal and professional life.

How Malini Saba Makes You Believe

Sometimes it is hard for me to see my way through the days. I look at all the discrepancies in pay between men and women. I look at the glass ceiling that is still in place for so many women that are trying to reach top executive positions. All of these things can be frustrating, but there is always a silver lining somewhere among the clouds. That is what I would consider Malini Saba to be. She may be even more than a silver lining in the clouds. Malini Saba may actually classify as a ray of sunshine in the darkness of corporate limitations for female executives.

I think that she has made people realize what women can do by starting her own non-profit organization. She has also been able thrive as an investor. There are things that have defined her success, but they don’t define her. The totality of her success is something that you have to dig deeper to find. I have discovered that her humble beginnings in America are all going to play a big part in her success. I know that she has been able to do more than a lot of people would suspect because there was a motivation deep down that continued to rise up in her spirit.

Malini Saba is someone that has managed to propel herself by investing in telecommunications and technology stocks. She is the chairman of Saba, and this is a company that has made investments in technology and real estate. This would prove to be something that would give her a lot of success in portfolio management over the years. If someone would have told me that a Sri Lankan from South Asia could come to America with $200 and become a millionaire I would have been skeptical to believe this. Now that I have seen Malini Saba I am aware of just how possible this is.

It is nice to see someone that knows how to build a career and help others along the way. She didn’t just build up a fortune and sit on it. She had a better plan for her life than that. She has managed to give back to those that are in need. She has already made people believe that she could do the impossible. With the Stree Foundation she is making other people believe that they can achieve the impossible as well.

Andy Wirth’s 30 Years in Ski Biz

Andy Wirth has been a prominent figure in the ski resort industry for 30 years. The Squaw Valley Ski Holdings, LLC president and CEO gained entry into ski resort industry through an internship at Steamboat Ski and Resort Corporation.

Andy Wirth who graduated from the University of Colorado accepted a position with the company after his internship, and would remain there for the next 20 years. Intrawest acquired Steamboat in 2006. Soon after Intrawest promoted Andy Wirth to Chief Marketing Officer and Vice President of Sales and Marketing. Learn more about Andy Wirth:

In 2010 Andy Wirth was named CEO and president of the Squaw Valley Ski Resort in California .

The ownership showed great faith in Wirth’s ability to restore Squaw Valley to its former glory by investing more than 70 million dollars in renovations, upgrades and other improvements at the resort. The investment paid off in spades as customer satisfaction quickly improved.

Andy Wirth was also instrumental in the 2011 merger of Squaw Valley Resort and nearby Alpine Meadows Ski Resort. The two resorts merged to form Squaw Valley Ski Holdings, LLC. As president and CEO of Squaw Valley Ski Holdings Andy Wirth now presides over both resorts.

It was recently announced that Squaw Valley Ski Holdings has reached an agreement with a private landowner that will allow gondola transportation between the two resorts.

Besides his duties at the Squaw Valley/Alpine Meadows Andy Wirth is a trustee on the boards of many community organizations. He was recently elected president and chairman of the Reno-Tahoe Regional Air Service Corporation. The main purpose of RASC is to get more regularly scheduled flight into the Reno-Tahoe Airport.

In October 2013 Andy Wirth survived a near fatal skydiving accident that also put him in danger of losing his right arm. Thankfully, doctors were able to save both his life and his arm. With his usual determination and hard work Wirth was able to return to work and his busy life.