All posts by tolliver

Equities First Holdings Swims Against the Tide in The Prevailing Market Trends

With the first changing global economy, banks and other lending institutions are increasingly reviewing their lending policies, most of them reducing the borrowing options for borrowers. In other cases, banks are opting to add more clauses to their lending policies, adding more loan qualification requirements and raising the interest rates. These banks aim at keeping conventional credit-based loans in check. Equities First Holdings, LLC (EFH) is, however, appearing to be swimming against the tide. The global lending firm introduced a lending option for its clients where they can use stock as loan collateral for a three years period. Consequently, EFH has in the recent past tightened its grip on margin loans and stock-based loans. According to the man behind this clever move, CEO Al Christy, stock-based loans will go a long way in assisting individuals in need of working capital and who do not meet the threshold for credit-based loans.

Benefits Associated With Stock-based Loans

Using stock as collateral has many advantages on the borrower’s side. Stock-based loans have a relatively higher LTV ratio of about 50 to 75 percent compared to that of margin loans which range between 10 and 50 percent. Secondly, unlike in margin loans where the borrower is required to specify the purpose for which the loan is intended, stock-based loans gives the borrower the freedom to use the loan for any purpose of their choice. Thirdly, if the stock value depreciates during a down-market, the pledged collateral is not affected. Additionally, with borrower’s shares used as loan collateral, investment risks involved during a down-market are minimal. Read More https://beta.companieshouse.gov.uk/company/08120457

About Equities First Holdings

EFH specializes in offering alternative shareholder financing solutions. Through their nine subsidiary offices, the firm gives capital to their clients against publicly traded stock around the world. BusinessWire News For EFH.

For the past 15 years, EFH has helped many people to achieve their goals, having done over 650 transactions. The firm is mostly respected for its honesty in their loan recovery process and their high LTV ratios.

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Favorable partnership between giants Madison Street Capital and Ares Security Corporation

Madison Street Capital is an investment company that works with international clients. The company values integrity and working with diligence. Their mission is to always strive for excellence. Madison Street Capital delivered expertise in the fields of merging and acquisition and proved advisory work in the fields of corporate finances and valuation for both private and public businesses among the many other services it offers. The goal of the Madison Street Capital company is to make sure that their clients are well on the road to success in the global market place. The Madison Street Capital reputation is one of strong trust between the company and their clients.

 

 

Because of the excellent results they can provide and their trustworthiness, Madison Street Capital was the exclusive financial advisor for their client ARES Security Corporation. Madison Street Capital took care of the arrangement of minority equity and overlooked debt investment. ARES Security Corporation has its headquarters in Vienna. The company is a leader in its line of work of providing risk management through software solutions for world class information and institutions such as governmental institutions for example. ARES Security Corporation has the responsibility of protecting critical assets. Madison Street Capital partnered up with ARES Security Corporation to find the most suitable financial partner for the risk management company. They decided upon Corbel Structured Equity Partners who provide minority recapitalization. Corbel Structured Equity Partners was formed in the late months of 2013. The company makes investments in startup businesses that prove to be highly promising. The companies that Corbel Structured Equity Partners invests in are usually from the range of the lower middle market.

 

 

Senior Managing Director of Madison Street Capital Reginald McGaugh spoke very favorably of the partnership between the two giants. He stated that Madison Street Corporation was thrilled to provide ARES with what they need as best as they possibly could. Due to ARES being so strong in their line of work it had been a bit of a challenge to find the best finance partner for them but Madison Street Corporation always enjoy taking on a new challenge, and in this case, they tackled it perfectly. The President of Ares Security Ben Eazzetta readily confirmed that they are, in fact, extremely pleased with the result of their partnership with Madison Street Capital. Mr. Ben Eazzetta also added that they were extremely excited about their new capital structure that Madison Street Capital helped them establish.

Read more:

http://satprnews.com/2017/01/10/madison-street-capital-arranges-minority-recapitalization-for-ares-security-corporation-2/

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Lori Senecal’s Service to Advertising Agencies

Lori Senecal is a female administrator and marketing expert who has made significant accomplishments in her career. She has been working for Crispi Porter & Bogusky, LLC (CP+B) since March 2015 as the global chief executive officer. Her responsibilities at the company include implementing its strategic goals and joining efforts with MDC Partners to facilitate international growth. CP+B manages nine branches that are located in different parts of the globe, and Lori is in charge of ensuring that they all work together.

Senecal had a successful career before she was hired by CP+B, reveals campaignlive.com. She used to work for KBS and was devoted to ensuring that the firm accomplished its international visions. Lori’s leadership at the company was successful since it grew from operating locally with a staff of 250 people to offering its services globally. It has currently employed over 950 professionals. Crain’s New York Business named the company as one of the elite places where one can work in New York. Lori has been assisting the firm in partnering with clients so as to establish comprehensive platforms that offer the best experiences.

Andrew Keller who was the CEO of CP+B maintained his position, but he currently heads the company’s operations in the United States. The international CEO of the firm is Richard Pinder, and the two executives report to Lori Senecal. The company developed this administration model to maximize the potential of its leaders. Senecal took over the management of the enterprise after it had won the Global Infiniti Account. The company became the victor after it established various new businesses in a single year. CP+B is committed to seeking new opportunities in booming markets like China.

Lori Senecal has significantly influenced CP+B’s culture and business undertakings. She has bettered the firm by making it more creative, responsive, collaborative, and reliable in both the international and local markets. The administrator has been identifying and developing talent, and this has considerably helped in the rise of CP+B within a short period. The company was recently recognized by the Ad Week by being named among the Creativity Innovators of the Year. The organization also designated Senecal as one of the Agency Executives to watch. Only four individuals were acknowledged in the accolade in 2016. She formerly worked as MDC Partner Network’s president and CEO. Lori ensured that the agencies of the company operated in a coordinated way so that it could grow internationally.

https://lorisenecalofficial.tumblr.com/

 

David Giertz Urges Financial Advisers To Discuss Social Security

David Giertz had an interview with the Wall Street Journal during which he discussed how important it is for financial advisors to discuss social security with their clients. His company, Nationwide Financial, recently conducted a study which interviewed those in retirement or getting close. The first point that Giertz wanted to make is that discussing social security is a very important topic because the study revealed that most people would willingly switch financial advisors if the topic of social security on Yolasite.com isn’t discussed with them by an adviser. Thus, from a retention standpoint is behooves financial advisors to talk about social security with their clients.

Read more: Insurance Agent at Nationwide Financial Institution in Fort Lauderdale, FL

The second point that David Giertz made was that social security nowadays makes up about 40% of what most people have in retirement. The subject is just too large a part of their total retirement picture to ignore. Mr. Giertz believes that many financial advisers don’t want to discuss the issue of social security with their clients primarily due to just how complicated the social security rules are as well as when the optimum time to start taking it is complex as well.

David Giertz is the President of Nationwide Financial Distributors which is a subsidiary of Nationwide Financial. As President he is responsible for the overall strategy of his company and the financial products that they offer. Mr. Giertz has over 31 years experience in the financial industry including as a financial adviser.

It was in 1988 that David Giertz started his professional career in the financial industry when he worked for Skokie Federal Savings at https://angel.co/david-giertz. He worked at a variety of financial institutions before joining Nationwide Financial in 2006. He has also earned four professional financial designations including Uniform Securities Agent State Law Examination, General Securities Principal Examination, General Securities Representatives Examination, and Municipal Securities Principal.

Timothy Armour Counters Buffet’s Index Fund Claim

On Feb 27, 2017, cnbc.com presented a commentary written by Tim Armour, CEO and Chairman of Capital Group regarding Warren Buffett’s claimed that he could receive better investment returns than hedge fund managers simply by passively investing in an S&P 500 passive index fund. Buffett also backed up that claim with a bet. He would contribute $1 million to charity if he achieved this goal. And the way it looks, he will be giving that $1 million away to charity.

But according to Timothy Armour, Buffet’s claim needs a closer look. Armour counters Buffet thoughts with the following analysis:

Index funds according to Armour do not provide any type of cushion when the markets are down. In fact, index funds will expose those passive index funds to 100% of the volatility and the losses that will follow.

According to Buffet, 40 years ago an investor could put $10,000 in an index fund and would see more than half million dollars after that 40 years. That said, Armour counters that if someone invests $10,000 in the best five active funds from American Funds they would achieve more wealth.

According to Timothy Armour you must look a two simple filters for higher returns.

The fund must have low expenses
The fund must have high manager ownership

Thus, investors must throw out high-cost funds and find fund managers who actively invests their own money in the same funds as their investors. This will give investors higher returns and peace of mind.

Timothy Armour is chairman and CEO of Capital Group. His 32 years of investment experience comes totally from Capital in different investment positions. In fact, after he obtained a BA degree in Economics from Middlebury College, he joined Capital in their Associates Program.

Read more: Timothy Armour, Capital Group CEO, Says Post Trumo Change in Markets ‘Is Real’

Betsy Devos and The Endless Fight for Education Equality

DeVos and her family are considered one of the largest financial contributors to donating causes (in Betsy’s case, usually related to education). She is also a fervent advocate of charter schools, a program that allows public funds to be used in private schools, as she believes that “public school time is over.” The educational model proposed by Betsy is as follows: education must be adapted to the circumstances of each child and learning methods must be modernized. That is why it seeks to throw the current model, which assigns each student a school based on their zip code.

Betsy DeVos is a strong advocate of concerted schools and allows parents to use tuition bonuses for private and religious schools in the name of the “right to decide,” believing that is the future of education and the perfect way to tackle inequality in schools. Her efforts over the years have been focused on helping students that come from minority backgrounds, and she is willing to bet on students, parents, teachers, and the communities.

Jack of All Trades

A businesswoman, philanthropist, activist in the national school reform movement and supporter of charter schools, DeVos served as the chairman of the Republican Party in Michigan and was a longtime associate of the Republican Party as a donor. The best way to have DeVos described is as a “brilliant and passionate promoter of education.”

Along with education, she is also a huge donor to causes that have to do with women’s issues and the promotion of culture. Not only is she an impressive woman, but I consider she has used her power for good, making a change in thousands of lives along the way, promoting wellbeing and the causes that many people forget are important too.

Read more: http://reason.com/archives/2017/01/26/democrats-crusade-against-betsy-devos-on

Who Is Betsy DeVos?

Along with her family, the DeVosses have been among the families that donate the most in the United States. DeVos, 58, is a firm believer that the right to choose education will be a reformation of the current education system and will end up being beneficial for future generations.

She is the heir of Edgar Price’s fortune. She is married to Dick DeVos, who is also an heir of the Amway retail sales giant, and she is sister to Erik Prince, who is the founder of Blackwater USA. Aside from all this, she didn’t need to come from United States royalty to make in on her own. She has been involved in political and philanthropic work for years and is an active element of the Republican party. She is a woman I am sure we will hear a lot more of in the years to come.

Visit Betsy’s website at betsydevos.com

Becoming A Success With Traveling Vineyard Wines

Wine is a beloved alcoholic beverage by men and women. Wine is a drink that can be enjoyed by anyone and it can be enjoyed with any kind of cuisine or dessert. Wine is a drink that many people enjoy with friends and some enjoy it with their significant others. There are countless wines and even more wine bottles circulating around the world. While people love wine, they also love to make money.

The concept of selling wine is a perfect career for some. There is a company that helps people work from home, selling quality wines. This business opportunity is perfect for stay at home moms and people who just want extra supplemental income. This company puts people in the drivers seat of their lives. This company is called Traveling Vineyard Wines. Traveling Vineyard Wines is a direct sales company that has people working as independent contractors, for the purpose of selling their wines. These people called Wine Guides, sell the wine via parties where everyone has a good time.

If someone wants to become a wine guide, they have to sign up for more information. When they officially sign up to be a wine guide, they will get a leader that is near their location. That leader will train them in the business of selling wine. They will also allow the new wine guide to shadow them during wine parties, to give them a good look on what the job entails. New wine guides also have access to “The Tasting Room”. “The Tasting Room” is an online training center that gives new wine guides access to all of the training materials and instructions on how to grow their businesses. The online training center also has the information to all of the wines that the Traveling Vineyard sells.

New wine guides are given a kit that they can use for their first two wine parties. It includes everything that they need to make their first two parties a success. The success kits includes wine bottles, wine tasting glasses, wine accessories, marketing materials, and business paperwork.

Review Of AXA And Vincent Parascandola’s Success

When one talks about leading insurance brands worldwide, he or she must mention Axa. For many years, the multinational insurance firm has dominated the industry. It started as a small firm. Today, it is a mega insurance company. The company’s history dates back to 1817 when Mutuelle de L’assurenace Contre L’incendie was founded. Its headquarters are based in Paris, France.

AXA started its operation in the United Started by acquiring Equitable. This move saw AXA Group invest $1 billion dollars in the company’s assets. Henry Hyde founded Equitable in 1959. Formerly, the entity was known as Equitable Life Assurance Society of America. Previously, the entrepreneur had worked with the Mutual Life Insurance Company of New York. As a leader in the insurance industry, Equitable had always been careful with its branding strategy. For instance, in 1870, the company moved its offices to the first office building, which had steam elevators. In 1789, it shifted to the world’s tallest office building.

In the United States, AXA provides its clients with various innovative services. They include financial advisory services, retirement investments, life insurance, and employee benefits. AXA is also aiming to be the ideal company that caters to family needs. The entity provides families with financial security and secured education future. It also has savings and investing services that would be essential to each family. AXA’s team of financial advisors is always ready to work with clients through every step of the way.

AXA has loads of services tailored to the needs of different businesses. These products are designed to help business owners to grow their businesses and get value from their investments. It also offers employee benefits and retirement plans to the companies’ employees.

About Vincent Parascandola

Vincent Parascandola is one of the key leaders of AXA in the United States. As the company’s senior executive vice president, Parascandola is responsible for the retention, recruiting, management development, sales, and productivity. In addition, he is responsible for over 400 financial professionals.

Before joining AXA, the executive leader worked for MONY Life Insurance Company and The Advantage Group. His transformative leadership earned him several awards, including GAMA’s Career Development and Master Agency Award. Vincent is a graduate of New York’s Pace University.

The Business World of Tammy Mazzocco

Tammy Mazzocco is an experienced real estate agent in the state of Ohio. She began her career as a secretary at The Edwards Realty Company. The Edwards Realty Company is a commercial real estate company. While at The Edwards Realty Company, Tammy Mazzocco worked with nine commercial agents that were under the guidance of mega realtor, Mike Zelnik. She worked in condominium management for seven years. She worked at Scotland Yard Condominiums. While there she received her real estate license.

After her time at Scotland Yard Condominiums, she worked at T&R Properties, where she was a property manager for a multi-site. The multi-site was an office warehouse and two apartment complexes. In 1998, Ms. Mazzocco received her license to be a personal assistant for Joe Armeni, who is a top producer at RE/MAX. Tammy Mazzocco worked at Judy Gang and Associates in 2000, in Ohio. Since then, she has been selling commercial real estate in Fairfield, Franklin, Licking, and Delaware counties.

 

Tammy Mazzocco found her way into real estate with the guidance of a mentor. In her Facebook page, she starts her days meditating and stretching. She does all of her important tasks before opening her work email and contacting any of her work colleagues. Ms. Mazzocco brings ideas to life by researching, brainstorming, and creating a business plan. What makes her more productive is the process of setting goals and then making them into actual steps. Her advice is to not take yourself so seriously, don’t settle for anything and love life without fear.

Tammy Mazzocco respects her clients time and their investment. She acts as if it is her time and investment, so it means so much to her. Growing her business has been an eye opening experience for her. She believes that repeat business and referrals are the leading sources of her success.

Follow Tammy: https://twitter.com/tammymazzocco

 

Maggie Gill’s Healthcare Centered Career

It is a common thing for people to work in different companies. However, the types of companies they work for tend to be in the same industry. For instance, one could work for multiple stores. However, she may still be working in the retail industry. There are many different positions one can hold within one industry as well. For one thing, there are the mere associates positions and then the leadership positions. People like Maggie Gill have always worked in the healthcare industry. One of the highest positions that Maggie Gill has held in a company is that of CEO at Memorial Health which is where she works now.

In order to hold a position as CEO, Maggie Gill needed a lot of different skills and knowledge about the healthcare industry. Among the skills she need was that of leadership. She needs to be able to know how to speak and deal with people she has working for her company. She also has to know how to handle the paperwork needed in order to keep the business in line. Maggie Gill has also shown that she is willing to learn new lessons that will bring her efforts in healthcare to a higher level.

One of the most important things to know about Maggie is that she has the desire to help people. This is one of the reasons that she is involved in healthcare. She understands the importance of maintaining a healthy body and lifestyle. Therefore, she is willing to share what she has learned with others so that they will be able to apply their lessons to their lives.

Outside of her leadership in healthcare, Maggie is a really good family member. Her family is what brings her joy outside of her career as the CEO of Memorial Health.