Equities First Holdings: Making A Difference In Lending

According to a recent online article on Marketwired.com, Equities First Holding is having more action in loans that are margin or stock-based. This may be because banks are so strict these days about their lending criteria, says the article. Some borrowers who need loans may not qualify for conventional loans. They are seeking out financial institutions that provide equity lending.

Because the market has been so difficult for a while, banks have less lending options for their customers, says the article. They have increased the qualifications for a loan as well as interest rates. Al Christy, Jr. is the founder and CEO of Equities First Holding. He says in the article that loans can use stocks as collateral for people who need working capital. These types of loans usually have a fixed interest rate and have a higher loan-to-value ratio. It has better terms than a margin loan has.

Christy says that the market will probably fluctuate during the term of a typical three-year loan. However, he says, loans that are based on stocks make a hedge. In a downside market, borrowers are lowering their risk. According to the non-recourse features that are part of stock-based loans, the borrower can leave the loan at any time. It does not even matter if the stock lowers in value, says the article. The borrower can keep the loan and have no more obligation to the lender.

There are differences in stock-based loans and margin loans that Christy explains in the article. They both use securities for their collateral; however, borrowers must be pre-qualified before getting a margin loan. They are usually required to have a certain purpose for the money. Loan-to-value ratios are lower and interest rates are variable. With a margin loan, the lender can suddenly liquidate the collateral without warning the borrower, Christy says.

Stock-based loans have low fixed interest rates., says Christy, and a higher loan-to-value ratio. They lender will not tell the borrower where to spend the money. Also, the borrower is free to walk away from repayment at any time without recourse, the article says.

Christy explains that there are risks with any financial transaction. Because some lenders have failed to do stock loans correctly, these types of loans have not been used as much. Thanks to the integrity of institutions like Equities First Holdings, stock loans are increasing as viable borrowing options. Christy says that the company’s goals are to offer top benefits at the lowest risks possible so their clients can meet their own financial goals.

For nearly 15 years, Equities First Holdings, LLC has given clients the options of different financing solutions. They have used client’s publicly traded stock as collateral for loans. It has allowed their clients to meet their financial goals. Equities has made stock loans to clients all over the globe.

Currently, the company has made more that 650 transactions that total over $1 billion. There loans have low fixed interest rates and high loan-to-value ratios. Equities First Holdings has offices in nine countries, including their base in the United States.

Lime Crime, A Different Type of Makeup Line

Lime Crime is not your typical makeup company. Doe Deere, a Russian national who grew up in New York, started the company in 2008. She was selling colorful clothes online and could not find any makeup colors to complement them so she created her own.

Her first line was called Unicorn Lips. She picked the name Unicorn because it symbolized someone who was different and proud of it. She also uses that name to describe fans of the company.

You probably will not see these makeup colors in the boardroom, but you will find them at the local club or even on campus. Their colors are sure to turn heads, so they are not for the faint of heart. Even their packaging is eye popping. There are no beiges and the only black you will find is for the lips. If you are looking for something different and want to have fun with your makeup, this is a company for you.

They definitely cater to the young and have a very strong presence on social media. All lime crime products are vegan and cruelty free, a definite selling point for younger consumers.

The company sells lipstick, eye shadow and liner. This time of year, Lime Crime even has a special section just for Halloween, but many of their regular colors would work with a variety of costumes.

The products are affordable, most are priced $20 and under on Amazon. The only products more expensive are the collections, which have several colors. For example, the eye shadow collections are $42.

If you feel you need some inspiration, check out LimeCrime.com. They offer advice on how to wear the line. For example if your hair a pastel color a section recommends makeup to go with your color.

In conclusion, if you like color and are looking for a way to stand out, then check out the Lime Crime makeup line.  Also, be sure to visit their Tumblr page for some great pictures of what models, and real Lime Crime fans have come up with.

The Magnises Experience

Imagine having a concierge on speed dial who could provide you with information about the hottest clubs and events in your area at any time of the day or night. Imagine they could get you exclusive benefits not available to just anyone. This is the experience many people are getting through a new club known as Magnises. This club was designed by Billy McFarland as a way for people to gain access to exclusive benefits and VIP experiences. His goal is to take all of their member’s lives “to the next level”.

Having a Magnises club card gives members access to members-only concerts and experiences that non-members don’t have access too. Each card is personalized for the member that holds it. Using this card, members receive benefits such as free upgrades on planes and better seats at sports games. No matter your interests you are certain to find benefits and discounts for the activities and events you enjoy. Magnises gives all members the opportunity to feel like a VIP every night without all the hassle. A complete list of benefits can be found on Magnises website.

Not only are the benefits great, but Magnises is simple and easy to use. Ever spent hours trying to figure out what to do tonight before finally giving up? Have you ever gotten tired of doing the same thing every single night? The Magnises concierge app allows you to find something to do quickly and easily on Crunchbase. The app specifically gives recommendations based on your preferences so there is always something you are interested in doing.

Magnises is more than just a club, it’s access to an elite group of people. By joining Magnises you will find yourself surrounded by other people with similar interests. It’s a great way to meet people when you are new to the city or haven’t yet established a close-knit group of friends. The more events you attend using your Magnises membership card the more you will find yourself surrounded by the same group of interesting people. Magnises also has “hotspots” that are exclusive to members which are a great place to spend time with other members and make plans.

Magnises is your personal ticket to local nightlife on businessinsider.com. The benefits are numerous and allow you to live the luxurious lifestyle you have always wanted. It is more than just a membership it is a full VIP experience that is tailored to you.

Keith Mann Believes In Education

Attending college to earn a degree or even more than one degree can change people’s lives but even more importantly the lives of their entire family. Keith Mann a local businessman in New York has a deep respect for education. He believes in education and understands how important education can be in people’s lives.


However, Keith Mann understands that everyone is not able to pursue a quality education because of situations that are beyond their control. One of the most common situations is the lack of money.


With a unique understanding of the importance of a quality education and what impact the lack of money can have on a quality education, Keith Mann has made it a personal mission to help people who need assistance to get a quality education. Recently Keith Mann established a scholarship for graduating high school seniors from Uncommon High Schools located in Brooklyn.


The scholarships are valued at $5,000, and the recipients can use the money to pay for expenses at the college they will be attending. In addition, one scholarship per year will be awarded to a graduating senior from a Brooklyn based Uncommon High School.


Keith Mann is the CEO of Dynamics Search Partners where he manages the daily business operations for the firm. Dynamics Search Partners is an executive search firm that helps companies find executive talent to fill key roles in their companies.


Keith Mann has over 15 years of experience in the executive search industry. Mr. Mann has a rare ability to communicate with the companies that are looking for executives to fill key positions in such a way that he is able to match the best talent to a particular company.


Keith Mann is a strong believer in the power of education and the difference an education can make in the lives of people. This is why he is willing to put forth his time and money to provide opportunities to young people interested in attending college. The scholarship that he recently established for graduating seniors from an Uncommon High School in Brooklyn is evidence of his support of education.

White Shark Media Offers The Best Service In Their Industry

White Shark Media is one of the best web design and SEO service companies in the country today, and they are providing all their customers with the kind of service that they can only dream of. The White Shark Media team has a lot of customers that will be able to get their websites and SEO done in short order, and they will notice that their businesses will perform a lot better because they are now working with White Shark Media.


White Shark Media is one of the best companies to work with because of how they manage communication with all their clients. They know that their clients will be able to get more sales out of their companies, and they will create things that anyone would be proud of. The companies that work with White Shark Media can give their own input, and they can explain how they want things to look. There is a lot that can be done just for one client, and that is why it is important that they are able to stay in communication.


There are a lot of companies that have very tight schedules, and they will want to be kept in the loop every week. They will need to know what is going on with their project, and they will want to know if there is anything they can do to make the project that much better. They can take a conference call, send emails or do video conferences to make sure that everyone is on the same page, and that makes it a lot easier for these people to figure out how they will see their deliverable when the project is done.


White Shark Media has figured out how to give all their clients what they need, and they are very careful to offer their clients something that will change their perspective on how they manage their website. Website will increase, and the site will look so good that people will come back just to look at the art design. White Shark Media can do all these things once they have been hired.

Bustle Editor Gives Chaz By Wen Products A 7-Day Try

There’s been a lot of buzz lately about Chaz by WEN hair care products. The highly popular “miracle in a jar” promises to deliver bouncy, shiny and completely manageable hair in short order. Well, a lot of products make such claims and never deliver. Could Wen be different? There’s only one way to find out.


Fashion and beauty editor of Bustle.com Emily McClure decided to give the Wen products a whirl to see if they could really deliver. Emily, who is dealing with hair issues of her own decided to tried it out for 7-days.


Emily used the fig version to see if it could help with her dull, oily and shedding hair.


The directions call for 16-24 pumps of product. That’s a lot of product. Emily followed those directions and completely washed her from root to tip. After drying her hair, she say she immediately noticed changes. Her hair had a great deal more volume, shine and far less oil.


Emily still wasn’t completely convinced after just one day, so she continued on or the next six days.


She followed the routine daily, with the exception of one day when she had to break it. The in-between day when she wasn’t able to use Wen, she found that her hair quickly reverted back to its dull, oily and lifeless form. However, once she got back to the regular routine, Wen did what it promised.


Emily’s’ verdict: Wen worked well for her. The only drawback is you have to do it daily or your hair will quickly go to pot. She would definitely recommend it to other.


Chaz Wen, creator of Sephora endorsed Wen products, is the hairstylist to the stars. He has a who’s who list of celebrity clients. After several years as a stylist and consultant, he decided to create his own line tailored to the needs of the everyday woman. The products can be used on all hair types and each one is formulated to tackle certain hair issues. For more info, watch the Wen YouTube infomercial.

Need Wen? http://www.guthy-renker.com/products/beauty/wen-haircare/

ClassDojo Providing An App To Establish A School Communication Platform

The parent and teacher conference is a part of the educational system. The use of teacher and parent conferences to discuss the progress of children in schools has been a huge benefit to the success of many children in school. Along with other traditional aspects of school, the parent and teacher conference will always have a place in the educational system.


Over the past few decades, many schools have looked for ways to continue the communication between parents and teachers but to find other ways to continue the communication other than the traditional face-to-face conferences that have been held for many decades. One of the ways that many schools have addressed this is by using the ClassDojo app.


The ClassDojo app is technology that essentially provides a communication platform for schools to use regarding communication between teachers, parents, and students. Over 80,000 schools are currently utilizing the app designed by Class Dojo. The app has a variety of features and functions that give schools an opportunity to establish communication on a platform that caters to the needs of schools.


The ClassDojo app is helping many schools, and ClassDojo is planning to expand the use of the app along with adding new features and functions to the app because of recent funding that was received totaling 21 million dollars. The funding will allow ClassDojo to enhance the communication platform that makes up the foundation of the ClassDojo app.


There are a variety of reasons why the ClassDojo app has become popular in schools. One of the reasons has been the ability to establish regular communication between teachers and parents. With the app, teachers and parents can communicate on a daily basis or whatever timeframe they desire.


Instead of waiting for specific dates and times to meet face to face, teachers and parents can communicate through the use of the ClassDojo app whenever desired. The communication is technology driven so the need for face-to-face physical meetings is eliminated. The traditional teacher and parent student conference can still be done but the ClassDojo app provides other options for communication between teachers and parents.


 These additional options can only improve the communication between teachers and parents. Technology allows people to communicate in ways that were not possible in prior decades. Technology such as smartphones and cell phones have forever changed the way people communicate. In the same fashion, communication platforms such as the ClassDojo app will change the way teachers and parents communicate regarding students.

Wengie’s Fun Morning Routine

Wengie is a famous beauty blogger on Youtube. She would like to clear up a misunderstanding that some of her fans have about her. Quite a few think that Wengie is Korean. Wengie would like her fans to know that she is not Korean. She just loves their beauty products and likes to share her views about them on her Youtube channel, The Wonderful World of Wengie. Wengie is Australia’s top Asian beauty channel. Wengie is the name of the young woman that is serving up all those wonderful Youtube videos on beauty, fitness, fashion, skincare, and more. In this Youtube video, Wengie shows her fans her unique morning routine.


Wengie’s Morning Routine

Wengie received a lot of requests for this video about a cool back to school morning routine. Certainly, many of Wengie’s fans are thinking about returning to school this fall. They would like a quick routine that would start their day off right. In this video, Wengie shares her thoughts on expectations versus reality. Reality check, please. Actually, this is a very inventive video. Wengie is seen in a split screen. One side shows the got it together Wengie, while the other is probably more like the average morning. This video shows us that Wengie is just like us. This video is definitely a thumbs up. Check it out for yourself.


About Wengie

If you enjoyed this video on Wengie’s morning routine, you will certainly like all the great videos on her channel. The best part is that Wengie uploads new videos each and every week on different subjects. Her tutorials are easy to follow and fun to watch. All her videos are high quality and well produced. Wengie would like you to join her channel and become part of her family too. Simply subscribe to her channel and you are on your way to enjoying one of the top beauty channels on Youtube.

I Save A Lot Of Money Using The FreedomPop International Sim Card

I come from the UK, which means that I go home lot to visit. Before smartphones became popular, I used to have to search around to make a single phone call whenever I went home to the UK, which could be expensive, even if I was calling the USA. Things have changed drastically over the years to allow me to make phone calls from the UK to the US, but things have gotten even better since I joined FreedomPop. Not only does FreedomPop have an international sim card that allows me to call from the UK to the US but also to other countries as well.

The international sim card has also allowed me to make calls when I happen to travel to different countries that are close to or bordering the UK, which is an amazing feat in itself. I can’t even tell you the amount of money that I used to spend on phone calls from the UK to the US, so I’m so surprised that I’m able to make phone calls to different places in the world for no extra fees. I purchased the sim card from FreedomPop online, and the sim card allowed me free phone calls to different countries without roaming charges.

Many cell phone companies get rich off of roaming charges, so I was surprised to find that FreedomPop had ways for me to avoid roaming charges. I get to make free phone calls from my cell phone to many destinations, and what’s even better is that FreedomPop also has free cell phone service in the UK as well. My father signed up for the free cell phone service that FreedomPop offers in the UK, which includes 200 minutes of talk time, 500 text messages, and 500 MB of data.

My father is able to use his cell phone freely with FreedomPop services, and I was able to call him on his phone whenever I went out of town and left the UK to go to a bordering country. FreedomPop is incredibly generous with their services, especially in the fact that their services are so low in cost. Back home in the USA, I have Internet service from FreedomPop in my home, and I even joined the FreedomPop Wi-Fi service to get Wi-Fi coverage on my cell phone in millions of hotspots. My FreedomPop review proves it’s truly one of the best cell phone companies that I’ve ever been with.