Latest Posts

How Increased Transparency and Better Regulations Have Attracted Borrowers to Stock-Based Loans

Equities First Holdings, LLC posted impressive gains in the fist-financial half of 2016. This was an unexpected turn of events especially considering the disparaging state-of-affairs in the global financial lending world. In recent times, banks have made it next-to-impossible for borrowers to acquire the necessary funding for capital investments. According to the CEO and Founder of Equities First Holdings , Al Christy. Jr., stock-based loans are innovative solutions because of their higher loan-to-value ratio as compared to margin loans and their lowered interest rates.


A majority of loans typically extend over three years. And, as is common knowledge, it is impossible to escape-the terrible-market fluctuations over that duration. The stock-based loan, on the other hand, has some cushion against this rattling-effects of the markets. The consumer is protected by the non-recourse feature which makes it possible for them to walk away from that loan at any given time.


Margin Loans Versus Stock-Based Loans


Christy went ahead to spell out the differences between margin loans and stock-based loans. The only similarity joining the two options is that they both use securities as collaterals. Interest rates are flexible, and the loan-to-value ratios ranging 10% to 50%. Another feature is that the lender has the right to terminate the contract and proceed to liquidate the collateral of the creditor if a margin call arises.


Stock-based funds, on the other hand, have a fixed interest rate of around 3-4%. The loan-to-value ratios are much higher as from 50-75%. The loan comes with few restrictions, and you are at liberty to use the funds as you please. The no-recourse feature does not apply here.



Many mainstream investors have ignored them because this industry has been a haven for unscrupulous lenders in the past. Lenders who made away with the collateral holdings and the stocks of their borrowers. Christy, however, noted that the increased transparency and regulations now in place meant that fewer unbecoming incidences occurred.


About Equity First Holdings


EFH remains at the forefront of providing competitively-rated loans to business and high net worth individuals. Beginning 2012, borrowers have secured financing solutions capital using their stocks as the only collateral. So far, the company has transacted a total of $1.4 billion. They now operate from 9 countries.


For more details please visit

Dick DeVos Involvement in Educational Reforms

Dick DeVos worked in several well-established companies in executive positions before his way up as the President of Windquest Group. Before joining Windquest Group, Dick worked at NBA’s Orlando Magic and Amway in different managerial positions. Under his leadership, Amway tripled its international sales to exceed its domestic sales after recording a whopping $4.5 billion profitability. After Dick DeVos’ family acquired Orlando Magic in 1991, Dick served as its President and CEO for three years. He is married to Betsy Prince and has five grandchildren and seven children. Dick DeVos is a qualified helicopter and jet aircraft pilot and a National Champion sailor.


Educational Reforms


Betsy DeVos is an active supporter of the educational reform movements. She engages in non-profit activities to pursue educational reforms. Betsy co-founded Amway together with her husband, Dick DeVos in 1989. In an interview with Philanthropy Round Table, Betsy discussed what compelled her to join the educational reform movement. Betsy said that when her kids started school, she could support many needy students. As such, her passion for educational reforms started to build up. She added that her tenure serving on the American Education Reform Council and Children First America boards helped her to push for reforms in the education sector. Betsy’s husband, Dick DeVos, started the All Children Matters to create awareness to the public about educational choice. Many learning institutions supported and embraced the implementation of DeVos’ initiative. During the interview, Betsy said that her significant in Florida’s educational reform was significant. She said that she was happy with educational reforms in Indiana and Louisiana.


Dick’s Contribution to Society


As a supporter of education, Dick founded the Education Freedom Fund, which provides over 4,000 scholarships to the needy children. He also served on the State Board of Education of West Michigan Aviation Academy, in Michigan. West Michigan Aviation Academy focuses on aviation in providing a rigorous educational program to its students. Besides, Dick served as the co-chairperson of many regional health care improvements and downtown revitalization programs such as $30M Downtown Market, a $90M medical school, a $130M heart hospital, a $212M convention center, and a $75M downtown area. In 1997, Dick DeVos published “Rediscovering American Values,” a New York best-seller, which is now available in 7 languages. In the year 2006, he was nominated as the Republican’s candidate for the post of Governor.

Former Chopper Trading CEO and Now Scoutahead CEO- Raj Fernando

Raj Fernando is the founder of Chopper Trading Company; he started the firm in 2002. Before starting his trading company, Raj was a successful trader at the Chicago Mercantile Exchange and the Chicago Board of Trade. Mr. Fernando has a degree in economics and history. He also has a vast experience in various cyber security and financial firms in the industry. His excellence performance in different fields shows that Raj is an expert in capital markets and technological innovations. He has been an active member of foreign policy companies; he makes a massive effort here to various organizations in the entire United States and across Chicago.

Mr. Fernando holds several positions in several agencies in the United States. He is a member of the Chicago Council of Foreign Affairs, the Chicago Symphony Orchestra and the United States Security Project. His trading career had a simple start, he began as a novice after graduating from college and moved his way up to have various positions. He later started his company known as Chopper Trading.

In a bid to deliver accurate data to individuals, firms and the internet at large, Raj Fernando started another firm known as in 2016. The company focuses reliable information so as to increase professionalism and productivity in the corporate world. The startup has had a big start and is set to grow to become a globally leading company. This is because of the CEO; Mr. Fernando has decades of experience in the cyber security industry. He also offers extraordinary insights and counsel to steer the firm to rapid growth.

About Raj Fernando

A lot can be said about Mr. Fernando; he is also an active supporter of multiple charitable organizations in Chicago and the United States. He has in the past had a record to participate and fund raise activities for Democratic Candidates within the United Stated. He assisted in raising funds for the Barrack Obama presidential campaign in 2011. All in all, with 14 years of experience as CEO, Fernando has proven an extensive knowledge and success in what he does. It is not surprising that Chopper was named as the best workplaces in 2012 by the Chicago Tribune.
More about Raj Fernando:

The Atlanta Hawks Basketball And Entertainment Group Is Suing AIG For Breach Of Contract

The Atlanta Hawks Basketball and Entertainment Group was the former owner of the NBA franchise in Atlanta, and Bruce Levenson, co-founder of the United Communications Group, and a well-known philanthropist has a big role in that group. The former Hawks ownership group under the direction of controlling partner, Bruce Levenson, filed a lawsuit in the Superior Court of Fulton County recently that states the Big New Hampshire insurance company, AIG, breach a contract with the group. The group had an AIG policy that covered certain losses due to employment practices like wrongful termination and workplace torts, according to the court documents. The suit involves former general manager of the team, Danny Ferry. Levenson and the other partners in the group claim that AIG breached the insurance policy that was in force when Ferry and the Levenson group reached a buyout ( agreement right before the group sold the franchise to Tony Ressler in 2015.

Bruce Levenson is one of those larger-than-life characters that has the brains, charisma, money, and fortitude to stand behind a number of worthy causes and businesses. Levenson played a pivotal part in completing the Center for Philanthropy and Nonprofit Leadership on the campus of the University of Maryland. Levenson is a vocal Jewish leader that has ongoing communication with the Israeli Prime Minister. Levenson is considered the founding father of the U.S. Holocaust Museum, and he continues to fund several programs that are part of the museum.

According to, two other important causes that are funded by Bruce and his wife are the Hoops Dream Foundation and I Have A Dream Foundation. Levenson also contributes to the Jewish Youth Philanthropy Institute, Birthright Israel, BBYO, and the Jewish Federation.

The amount of the claim against AIG is confidential, but according to court documents the Levenson group is asking for a 50 percent penalty on the unpaid losses as well as court costs and attorney’s fees. For more info, visit


JustFab Is Making Shopping A Personal Experience

Things in life are always better when they are a personal experience and they mean something to the person. They feel as if they are a part of it and it is part of them. It works as one. With JustFab on, it is as personal as it can get. It is a monthly service which mails out shoes, handbags, and accessories to women for only $39.95. However, the customer does not just get any old items or any old accessories. They get items that are personal to them and fit their fashion needs. No two people are alike, which is what makes the world a wonderful place. Individuality is at the forefront of JustFab, which was created by Adam Goldenberg and Don Ressler, two good friends.

They have also made this product a social product on Other women can reach other to each other and talk about fashion and how to style their outfit to look the best with their products from JustFab. The cost was mentioned earlier, $39.95, and customers have said it is worth every penny. These are items that are quality products. They are not getting cheap ripoffs or knock off when they do this. They would never do that to their customers. They are high on quality.

No matter the person, they have a story and some stories when it comes to fashion are quite personal. They feel comfortable having a place and a community where they can talk about all of this openly and not be judged. They know they also have two CEO’s in Adam Goldenberg and Don Ressler that take it seriously. Even though they are men doing women’s fashion, they have done their homework and have talked to experts in the fashion industry on Youtube to get the best possible advice.

Life is all about connecting with others, being personal, and making friendships that last a long time. After all, Adam Goldenberg and Don Ressler have proven that friends can work together and succeed. It is hard to believe this is the same Adam Goldenberg that started his own company at age 15 in Gamers Alliance and dropped out of high school. It is, though, and Goldenberg is proud to have his name and reputation attached to this. He can see how powerful it is and how passionate people are about fashion and how important it is in their lives and the way they feel about themselves.

More Loans Are Coming To Dallas For The Average Citizen

There are a lot of loans that are being offered in the Dallas area by their best local bank called Nexbank. Nexbank was started by Highland Capital Management to help the company has its own banking division, and it is now a stalwart in the area. It is so good for the people of the area that it is now willing to offer $75 million in unsecured loans that can be used for a lot of good things. The loans can be used for cars and other small loan needs, and it helps people when they are trying to figure out ways to offer their loans to everyone who needs them.

The plan at Nexbank is to be as helpful to the locals as possible, and that is why the locals believe in the company so much. They know that the company has been very good about helping people in need, and they can walk into their local Nexbank if they want to. It is something that anyone can do now that there is $75 million on the table, and it could completely change the way that people look at getting loans for their personal or professional needs.

NexBank Partners with Dallas Neighborhood Homes To Expand Affordable Home Ownership in Southern Dallas

Everyone who wants to get a small loan from Nexbank has to best chance to get one now because the company has expanded their offerings so much. They are trying to make sure that they can be a financial resource for the Dallas area, and they are doing that in more ways than one. They already have very nice branches around the city that people can visit, and now they are going to give more loans to their customers. Opening up $75 million in new loan funding is a major change for the best local bank in America, and Nexbank wants to start offering loan funds today.

Seattle Genetics and Clay Siegall Advances in the Treatment of Cancer

Seattle Genetics is an industry leader in developing antibody-drug conjugates (ADCs). ADC is a technology designed to control the targeting capability of monoclonal antibodies. Through the technology, monoclonal antibodies inject cell-killing agents directly to cancer cells. The antibody-drug conjugates are meant to spare non-targeted cells hence eliminating most of the harmful effects of traditional chemotherapy. ADCs can also enhance antitumor activity. Engineered monoclonal antibodies have provided a therapeutic advantage to cancer patients as well as people with autoimmune diseases/ acute ailments.

Seattle Genetics Co-Founder Appointed to Board of Directors for Mirna Therapeutics Inc.

The biotechnology company, Seattle Genetics is advancing its product pipeline to address major unmet medical needs. The company has produced the first new class of ADCs known as ADCETRIS® (brentuximab vedotin). Seattle Genetics is carrying out a huge clinical development program to evaluate the potential of ADCETRIS as a foundation in treating CD30-expressing lymphomas. The biotechnology company is also advancing an innovative ADC known as vadastuximab talirine (SGN-CD33A; 33A). The ADC is being analyzed in the Phase 3 CASCADE trial for severe myeloid leukemia (AML).

ADCETRIS and 33A are among the many ADCs in clinical advancement using Seattle Genetics’ proprietary technology. The company’s ADC technology is also used by associates who are developing several programs using Seattle Genetics’ proprietary tactic. The company is committed to enhancing treatment for patients through internal research and development as well as partnerships and scientific advancements.

Clay Siegall co-founded Seattle Genetics in 1997. He serves as the CEO, president and chairperson of the board of Seattle Genetics. Dr. Siegall is a scientist by profession and has built the company on a foundation of thorough research, scientific advancements, drug development practices and a passion for assisting patients. He has almost 20 years of experience in therapeutic drug development and cancer research. Clay Siegall holds a B.S. in Zoology from the University of Maryland and a PhD in Genetics from George Washington University.

Dr. Siegall has guided the firm to its current top position in creating antibody-drug conjugates for treating cancer and in attaining the approval for its first ADC product, ADCETRIS® (brentuximab vedotin) in 2011. He has also spearheaded the company’s capital raising initiatives, raising more than $330 million through private and public financing. Clay Siegall has made strategic partnerships such as the exclusive global collaboration agreement with Genentech for SGN-40.

Why You Should Have Your Event At New York City’s Taralucci e Vino

Not only is Italian food delicious, but it contains many ingredients that are great for your health. The staples of Italian food, such as tomatoes and olive oil, are known to have excellent health benefits. Tomatoes contain antioxidants, which can lower your risk of certain diseases. In addition, they are full of important vitamins. Olive oil helps you to maintain a healthy cholesterol profile. Other staples of Italian food, such as basil, mushrooms, and garlic also are well known for their health benefits. These are just a few of the health ingredients in Italian food, and the full list would be quite long.

Taralucci e Vino Offers Some Of The Best Italian Food In New York City:

If you are looking to incorporate Italian food into your event, Taralucci e Vino offers great New York City venues. They offer two different event venues with a great atmosphere at Union Square and Cooper Hewitt. These venues offer a wide range hours to host your event, and they are both open seven days a week. They also have three other restaurant locations that are great for gatherings. These venues are located in the East Village, NoMad, and the Upper West Side. Taralucci e Vino also does catering to locations of your choosing throughout the area.

Some Of Their Menu Options:


Their Union Square location offers a great breakfast menu featuring delicious pastries, French toast, and cereals. In addition, they offer coffee, along with juices and tea. Both locations also offer mimosas, and Union Square also has bloody maries. The Union Square and Cooper Hewitt locations offer great brunch menus.


There is a great selection of Pasta, Panninis, and a great salad menu. In addition, there is an excellent seafood selection, including salmon, which is well known for it’s health benefits. They offer buffet style lunches, in addition to family style and three course options. They also have a great selection of hors d’oeuvres.


You can choose from 3 and 4 course options for dinner. They have dinner buffets and family style dining, as well. You can choose from a variety of pasta dishes, salads, steak, salmon options, and other dishes. They also offer a great dessert menu, and you can choose from a wide selection of pastries, fruits, panna cotta, and cannolis, amongst other delicious Italian desserts.


Their drink menu also is great. Taralucci e Vino offers beer, and they also have many great options for wine, including aged wines. Their liquor selection offers dozens of choices. They offer many top shelf liquors, such as Grey Goose, Bulleit Burbon, and Tito’s vodka. Additionally, you can also order a wide variety of cocktails with various combinations of their many liquors.

Scheduling Your Event At Taralucci e Vino:

Your event at Taralucci e Vino is guaranteed to be a memorable one for everyone! To schedule an event or request catering from Taralucci e Vino, you can make a reservation by calling 212-228-5400!

ConnectUs Automated Forms May Revitalize Rehabilitation Institutions

Rehabilitative institutions, correctional facilities, prisons – they all have one thing in common today: they’re all over-crowded. A lot of things contribute to this situation. One is recidivism. There is exceptional recidivism in contemporary America, and that’s because a lot of rehabilitative measures to nothing to quell that which compels a criminal into criminal activity. It’s been found that a big factor is education, so solutions which facilitate education are definitely sought today. Beyond recidivism, things like refugees, political upheaval, drug use, and increasing legislative measures are crowding prisons so much that they seldom have the chance to upgrade technologically. Functionality must remain constant; ergo upgrades come at much extended intervals. Some institutions have been stuck in the 20th century. They’ve been filing paperwork by hand for the last sixteen years; and that simply must stop.


ConnectUs by Securus Technologies is an automated form program that allows all paperwork to be done without the need for any actual paper, or any supplies related to paper. Medical forms, complaint and grievance forms, signup sheets, and anything necessary can be programmed into the system for inmates to use. Inmates can also monitor the progress of their requests from the system without having to constantly irritate correctional facility staff. Additionally, applications of the educational variety are available, as are features and support in an unparalleled way that has never been available to inmates before. Furthermore, correctional facility staff have full control over the information prisoners can use, so nothing untoward gets through. All in all, ConnectUs by Securus Technologies offers a real solution to infrastructural redundancies that could potentially cut tens of thousands from the budget of even small correctional facilities. It’s no wonder that with such savings, and the reduced recidivism which could potentially come from reapportioned budgets, ConnectUs is currently in hot demand.

A Woman Who Has It All: Dr. Jennifer Walden

Jennifer Walden is a renowned plastic surgeon whose insight is incredibly invaluable. Jennifer Walden thoughts on business and life are simple, “You need the personality and internal drive to sustain your education, career, and well-being of your family and yourself over the long haul, not just over months or a few years.” These are the key ingredients to her success and she isn’t stopping there!

Jennifer was named 1 out of 24 of the best surgeons in the nation by Harper’s Bazaar, an honor she undoubtedly does not take lightly. She has spent her entire life perfecting her skill and began her training after schooling with many celebrated cosmetic surgeons in New York City. She continued her successful career by opening an office in the city and eventually moved to Austin and did the same. She is known for being one of the only women to have ever served on the board of directors for the American Society for Aesthetic Plastic Surgery.

Her accolades are innumerable. Jennifer is a published author, has received awards and notoriety as a surgeon, and she has even graced the covers of magazines and appeared on many reality television shows. She has not let fame get to her head. She is a strong woman, but incredibly grounded. She has balanced her life with work and family beautifully.

The medical field was in her blood at a very early age. Her mother was a surgical nurse and her father a dentist. She was raised in the Northwest Hills in Austin, Texas and her upbringing was very focused on education and quality achievements. She calls her mother her hero, for raising 5 children while working with ease and perfection. It was a childhood full of incredible values that she has implemented in her life as well.

She has said that her love of plastic surgery began when she fell in love with the artistic and creative traits one needed to serve as a surgeon in this particular medical field. Her client base is mostly women, and she has a waiting list of prospective clients eager to have their first consultation with one of the nations most distinguished surgeons. At the end of the day she hopes she can inspire women to have it all.