Equities First: Lender Specializing in Non-Purpose Stock Loans

Equities First Holdings is a lending company based in Indianapolis, Indiana, which provides securities-based lending to individuals with sufficient collateral. The company makes it possible for individuals to obtain capital much more quickly and easily than through traditional banks by providing margin and stock-based loans.

Margin and stock-based loans are similar, but there are a few important differences. Both loans are unconventional in that they are not credit-based in the same way as a regular loan. In a stock loan, a borrower is effectively borrowing shares of stock, not money, and the lender charges a fee, whereas in a margin loan the institution lends the investor actual money. Stock-based are often used for short sale transactions. Stock-based loans have some important advantages. As a general rule, they offer a higher loan-to-value (LTR) ratio and have a fixed interest rate, making them less volatile. In addition, stock loans are often non-purpose loans, meaning there are no restrictions on how the money is used. They are also typically non-recourse loans, allowing the borrower to walk away from the loan at any time. Moreover, stock-based loans are not subject to margin calls.

Founded in 2002, Equities First Holdings provides loans against stocks on exchanges all over the world, with over $1.4 billion in transactions. Led by CEO and President Al Christy Jr., the company maintains offices in 9 cities, including London, Hong Kong, Sydney, and Singapore.

EFH recently acquired the London-based firm Meridian Equity Partners Limited. EFH’s expansion is due to the record growth it is experiencing on the heels of the global economic recovery. When EFH acquired Meridian in 2014, the company had experienced annual increases of 30% in closed transactions. With banks implementing far more stringent lending guidelines since the financial collapse, EFH helps high-net-worth individuals the raise capital they need.

 

For more information http://www.equitiesfirst.com/

Some issues to consider when renting part of your house in Airbnb

Renting your entire house or part of it in AIRBNB may look like an easier and quicker way of making money. In fact, by hosting travelers for shorter periods of time, you can get the cash you require to pay for your monthly bills. But however, as some most recent incidents show, you should expect some problems with this form of business. The short term renters can do some damages to your property and possibly, your homeowner insurance policy won’t cover them. The issues may result in more expenses. Some of these issues include:
– Risks
With tenants, you should expect risks. You will be potentially liable for all the injuries to your guests, damages to your property and (that of your neighbors), illegal activities, theft and the lawsuits based on the guests’ actions. The tenants may also refuse to pay the rent.
– Insurance coverage
Most homeowner’s insurance policies won’t cover short-term rentals. In other words, you will be responsible for the expenses your paid guests incur.
– Protection
AIRBNB will only offer secondary coverage. They won’t help you unless you have exhausted all your resources.

After considering the issues, decide on whether the business is the best for you. A good idea would be to speak to an investment or wealth managers and insurance professionals. They will provide you with the right information.

Richard Dwayne Blair
One of the individuals you can consult is Richard Dwayne Blair. He is the founder of Wealth Solutions, Inc which has significantly changed the lives of many individuals, business owners and families. For over 22 years, Blair has engaged in securities. His passion for education originated from his teaching experience. His wife, mother and grandmother were all teachers and from them, he witnessed how teaching can help grow confidence and knowledge of individuals. He has combined this experience with his gift for finance and as a result, he has helped very many people in financial and investment planning.

The Wealth Solutions Inc
After completing college in 1993, Blair ventured into financial services industry. And in 1994, he was able to launch his company, Wealth Solutions. The company has enabled him to provide objective and unbiased advice to his clients without any conflicts of interest. In the last few years, he has managed to sharpen his experience and knowledge in the retirement planning field. His services have helped clients minimize the gap between planning for their retirement and living a better life after retirement. By contacting him, you will be able to avoid all the possible pitfalls in your investment.

Learn more:

http://creditorweekly.com/index.php/2016/05/26/investment-strategy-with-richard-blair/