The rising trend of stock-based loans as an alternative to bank loans

Equities First Holdings (EFH) a renowned international lender, is taking note of the pulling power behind margin and stock loans in a financial market where banking institutions have tightened loan preconditions and increased loan interest rates. Security-based lending is fast becoming a popular alternative for borrowers who want capital as fast as possible or those who may not meet the lending criteria for traditional credit-based bank loans.

According to the founder and Chief Executive Officer of Equities First Holdings, Al Christy, Jr., borrowers don’t necessarily have to sell bonds or stocks just because they need cash real quick. Alternatively, borrowers can borrow loans and use stocks, bonds or mutual funds as collateral. It’s quick, convenient and often comes at a fixed interest rate compared to conventional bank loans.

Al Christy further adds that although margin loans and stock-based loans use securities as collateral, there exist clear differences between the two financing options. In the case of margin loans, the borrower must meet the pre-conditions, similar to a traditional bank loan. Additionally, the loan may be stipulated to be used only for a particular purpose. The interest rates vary, and the lender can liquidate the borrower’s guarantee without warning due to a margin call.

On the other hand, stock-based loans come with a reduced, fixed interest rate. Borrowers can use the money for any purpose and thanks to the non-recourse feature, borrowers can walk away minus any obligation to the lender, notwithstanding the drop of the value of the collateral stock or bond.

The CEO of EFH admits that any type of financial transaction carries some sort of risk. However, he argues that security-based loans have been cast in a bad light as a viable lending alternative mainly either because several unscrupulous lenders have traded borrowers’ collateral in the open market or opted against returning stocks or bonds upon transaction maturity. In Contrast, Equities First Holdings is built on honesty and integrity, and the company strives to provide maximum benefit with minimal risk to its esteemed clients.

Since its establishment in 2002, EFH has offered its clients alternative financing solutions, giving loans against stocks and bonds traded on global exchanges as collateral in order to help clients meet their financial objectives. This unique tactic to non-purpose financing has seen over 600 dealings to date, providing customers with the reduced cost of capital at better interest rates.

EFH operates worldwide through its branch offices in Sydney, London, Perth, and Hong Kong, Bangkok and Singapore and provides financing arrangements tailored towards the needs of the individual borrower.

For more details please visit

Ms. Morrison Work at SEC

The questions want to answer is who is Helane Morrison and what is the Securities and Exchange Commission? The Securities and Exchange Commission is a federal office building usually hosts over 4,000 employees consisting of accountants to general attorneys that regulate, manage, and oversee federal security laws, stocks and bond exchanges, and many other government tasks in the United States. So where does the name Helane Morrison come up when you mention this central structure. Although there is some missing information on how Mrs. Morrison gained employment at this state building, she started off as district administrator assistant in the year of 1999. Somehow Ms. Morrison made to all the way general attorney position. Though I wonder how a major in journalism and to studying law in the California as she was born and raised in New York though. Surely enough, she achieved a seat in SEC I believe with the Juris Doctor gave her the right data to pursue her career further and gave her the confidence that she did secure in herself to push the limits. From East Coast to West Coast, Mr. Morrison definitely had to travel with the elites of this nation to obtain the job. Not only did she review security laws over the giant state of California, she covered other states Nevada, Oregon, Idaho, Washington, and Montana. While employed here, Helane was appointed the position as U.S. regional director of the office as she became a spokesman representing issues of anything related to business, finances, or laws and regulations in the city of San Frisco. I am assuming the work she did as assistant under Richard Posner and Harry Blackmun gave her significant lead way to a lot of exposure when it came to the three above mention fields. Thus, giving her the experience and power she needed to extend on her knowledge in the law field in particular. While position at the Securities and Exchange Commission office, she took on well-known cases including violations brought on by the advisers and brokers during the market crash, insider trading, and the fraud cases by Mckesson HBOC and Nextcard that headlines newspapers and magazine big during her time in office. By the time her career ended at the SEC, she was highly recognized and respected for her works during her employment at the Securities Exchange and Commission and continues working with that same amount effort.

Seattle Genetics Is The Best Company For New Cancer Drugs

New cancer drugs that are hitting the market every day are a lot more helpful than the older drugs because they have been created using information from people like Clay Siegall. He started Seattle Genetics for his cancer drugs that use antibodies, and he is now at a point where his company needs to change the range of products that it will offer to people. The new cancer drugs are a lot more complex than older drugs, and they are now marketed the right way to help people who are the most in need. So many people have been pushed to the side because they were not able to respond to the old drugs.

A patient that gets into the new drug trial with Seattle Genetics could treat a cancer that they have had problems with in the past, and it is very important that all these people get the chances they need to improve their lives. They need to have something new that they can focus on, and they need to be sure that they have a chance to get treatment that could extend their lives. Clay Siegall has thought of this, and that is why he has been so invested in helping people get as many new cancer drugs as possible.

Someone who wants to get into a new drug trial should find out how they can get into the trials with Seattle Genetics. They are working with a lot of people who want to get into trials that will make them much healthier. These people can hold on longer to be cured, or they might be able to treat more than one of their cancers at the same time. Seattle Genetics wants to be sure that they can give more people chances to live with their antibody cancer drugs.

Goettl Air Conditioning Company: Keeping Your Pets Safe During Summer

Though we love the general feeling that summer brings, we seem to forget the amount of heat that our pets get exposed to during this season. Just like human beings, pets require optimum protection from excessive heat that may have some grave consequences on them. With this in mind, in comes the Goettl Air Conditioning Company.
According to the company, these are some of the few tips that each and every pet owner should have at their fingertips when it comes to keeping their pets safe and cool during the long hot summers.
-Pet owners are advised to keep off the sidewalks especially during the afternoons when the sun is at its peak. The reason behind this is because hot pavements usually damage your pets’ paws. Pet owners are encouraged to take walks with their pets during the evenings or early morning before the sun reaches its peak.
-If you are planning to take a walk during the day, always ensure that you have applied sunscreen lotion on your pets, typically 30 minutes before the stroll. This is usually recommended for pets with short, light colored coats.
-Keep your pets hydrated and cool by providing them with sufficient water to take during the day. Unlike human beings, pets don’t sweat, and hence they can’t get rid of the excessive heat that usually accumulates in their bodies during the day.
-Get your pet a doggie pool. Yes!! You heard right. Doggie pools function by keeping your dogs cool especially during the afternoons. A good number of pets usually love the dip, and it’s only going to be a matter of time before they get used to the pool.
-Always keep your pets far away from garden fertilizers and from anti-freeze leaking cars. Garden fertilizers can damage your pet’s paws, while the antifreeze leak can leave sweet tasting puddles on your car seats which can harm your pets.

About Goettl Air Conditioning Company
The Goettl Air Conditioning Company was established in the year 1939 by Gust and Adam Goettl. 29 years later, the company made its entrance in South Nevada in 1968. For over four decades, the company was under the care and maintenance of Gust and Adam, up until the year 2013 when Ken Goodrich bought the company. Three years later, Ken opened a branch in Las Vegas, in what turned out to the turning point in the air conditioning industry. Ken attributes the growth and success of the Goettl Company to his never ending love for pets.
Generally speaking, the Goettl Air Conditioning Company is the largest air conditioning company in Phoenix Arizona. Apart from providing air conditioning services, the company also offers replacement services, repair and maintenance, and providing high-quality AC systems.

Getting a Good Lawyer in Brazil

Selecting a great attorney can be a daunting task for some people, but it doesn’t have to be. Compound this trouble with the fact that a lot of your success depends on how you select your attorney and who you end up with and it’s very easy to get frustrated.

A litigation attorney must be able to calmly and professionally work with people in lawsuits. Some people could be terrified about having to be in court over a legal issue, as they may face fines, or go to jail, and litigation attorneys help them review their trial options and their situation and organize the necessary documents. A litigation lawyer helps his or her clients by devising a legal strategy that can help them achieve a great outcome. Clients involved in suits consult seasoned litigation attorneys.

On of the steps in choosing a good lawyer is talk to with their client base. Sometimes this may be difficult unless someone you know has used the same lawyer, but talking to current and former clients can highlight the strengths and weaknesses of the lawyer, helping you to make an informed decision.

Also, find out about the lawyer’s track record of success. This should give you an idea of how successful this attorney will handle your legal matter.

Ricardo Tosto de Oliveira Carvalho is well recognized and respected for his outstanding performance both in negotiations and litigation. He has been delivering exceptional performance and achieves great outcomes for his clients.  Ricardo Tosto de Oliveira Carvalho serves a quality client base of entrepreneurs, business owners multi-national companies and corporations. Beginning his law practice in a small office, Ricardo Tosto has expanded his law firm to be among the leading law firms in Brazil. He listens to his clients and works with them to devise the most effective legal strategy in their case. He returns calls promptly, and endeavors to address his clients’ concerns appropriately.

Kick-Start Your Mornings With Wengie’s Veggie Breakfast Routine And More

It’s so much fun spending time in Wengie’s world. The YouTube sensation is generous with her time, her home and cats, her lifestyle and the coolest beauty tips.

So, let’s watch adorable Wengie as she struggles to get out of bed and begin her amazing morning routine.

Alarm clocks are not Wengie’s favorite invention, and even cat Mikki likes to jump under the covers and stay warm with Wengie until she slowly gets out of bed.

Wengie brushes her teeth to wake up, rinses with mouth wash and then applies a little lip balm for moisture.

Wengie’s favorite breakfast is full of healthy veggie goodness that takes just 10 minutes to prepare. You’ll need vegetable stock, avocado, spinach and rocket mix, mushrooms and tomato. Chop up the mushrooms and tomato and fill in a microwavable bowl. Add your favorite seasoning, like Wengie’s go-to Trader Joe’s 21 Seasoning Salute. Then add the stock to the bowl. Cover and microwave for 2-3 minutes, and it smells divine. Then add spinach mix and chopped avocado, and there’s a hearty, healthy breakfast meal.

Wengie likes sitting by the window on the floor in the corner and to enjoy the sky-rise morning view. She watches a Ted Talks video which offers a motivational message.

After breakfast, Wengie makes her bed, a good habit to get into. Then, Wengie heads for skin care time. She uses a cooling toner and avoids cleansing with a facial wash. Next, Wengie applies SK-II Essence RNA Power. After that, Wengie puts on a sunscreen.

A light BB cream follows, and then it’s time for eyebrows. Wengie uses an amazing brow mascara that covers her dark brows. She uses a brow powder on her eyelids and even as slimming contour along her nose and jawline. Then, Wengie uses a brow liner to create a cat-eye, lash curl and a couple of mascara coats.

Wengie sleeps in pigtails to create beach-y waves when she unravels them in the morning. If she has someplace to go, she applies lip gloss. Then it’s a loose white tee, fave denim shorts and Nike sneakers.


Learn more about Wengie:


Avi Weisfogel: Advancements in Sleep Apnea

Physicians are learning more and more about sleep apnea. Recent studies indicate there is a connection between sleep apnea and such serious medical conditions as cardiovascular disease, diabetes and stroke. Dr. Avi Weisfogel, the founder of Dental Sleep Masters, is said to have a rather “extensive background” in sleep apnea and other sleep disorders and their treatment.

Approximately 90 percent of those who have sleep apnea are not yet even diagnosed. Dental Sleep Masters has come up with a new model for doctors. It reveals the big picture of the disorder and therefore has better results.

The new tool, THN Sleep Therapy, was built by ImThera Medical. It was greenlighted by the FDA (Food and Drug Administration) in 2014 for experimental use in clinical trials. The new device is a tiny implantable device that does not require the additional use of uncomfortable masks or disruptive equipment.

Essentially, It stimulates the muscles of the airway in order to keep them open. It has thus far had good results. Dr. Avi Weisfogel’s model is said by some online sources to be integral in finding sleep disorder solutions for the overall population.

Weisfogel has a lot of experience in the fields of both sleep disorders and sleep treatments. But where did it all begin? It began with an education.

After high school, He earned a BA in biology and psychology from Rutgers University. He then earned a DDS from New York University College of Dentistry. In 1999 when he founded his first dental practice–Old Bridge Dental Care.

He ran the office for more than 15 years. More than once he was deemed “Best Dentist” by the community. More importantly, it was then that he first started to research the subject of sleep and how both physicians and dentists can treat sleep disorders.

That brings us to 2014. It was that year that he officially launched Dental Sleep Masters. His goal was to help dentists work in the area of sleep disorder treatments via the use of advanced oral appliances.

Celebrity Apartments Handled by TOWN Residential

A recent article in Mansion Global points out that many young tech savvy entertainers are buying property in NYC. Still others are living in NYC apartments for rent. Just some of the entertainers living in NYC include Mary Kate Olson who lives in an Italian decorated apartment in Turtle Bay, Daniele Radcliff who lives in SoHo, Tina Fey who lives in the Upper West Side and Michelle Williams who lives in Prospect Park South. One thing that all these entertainers share in common is the need for a great real estate agent like those found at TOWN Residential.

Entertainers are busy people. Therefore, they do not have much time to search for the perfect apartment. TOWN Residential makes it easy for everyone to find the luxury apartment that meets their needs by having seven offices offering NYC apartments for rent.  Therefore, they are able to offer properties that are not currently listed with other agents.

With many years of experience, they have the contacts to make your dream a reality. They also know how important it is to use your favorite app to connect with your agent when you are available. These professionals work many hours each day connecting people with NYC apartments for rent, so they can meet with you between performances or tapings.

They understand that none of the NYC apartments for rent may meet your needs. Therefore, they can help set up contacts to renovate properties like building the five fireplaces in Danielle Radcliff’s apartment or create the Italian décor found in Mary Kate Olson’s apartment. You just have to let them know what features you are looking for and they will help you have those features including the latest technological advances, high vaulted ceilings, home offices and small kitchens off master bedrooms.

Alternatively, if you are like Danielle Radcliff and going to be out of town most of the year, they will be glad to work with you to offer your NYC apartments for rent. That way, you can bring in additional income and someone is living in the apartment while you are away.

Keith Mann Is Changing All Of New York

Keith Mann is the leader at Dynamic Search Partners where makes sure that his clients can find the leaders they need for the future, but he is also a leader in his city. He believes in a strong education for the kids that are in the city, and he believes that we all have to live in harmony with the police. It is really a matter of choices to support the city, and that is why Keith Mann is so impressive.

The things that Keith Mann has done for the city are numerous, and he has shown everyone that there is a way to make the city better with small gestures. He has been good to the police in a news story that everyone heard about when he sent lunch to his precinct. He has been helping to raise money in the schools in Brooklyn, and he has been trying to make sure that all the kids in the city are given a chance at college with his scholarship. He is a superman who is living in the city and trying to do all that he can to make things better.

The best thing that people can do is to follow what Keith Mann is doing. He wants to be a very good example for the city. He wants to make it easy for the people of the city of the city to enjoy living there, and he also wants to be sure that people are going to know that there is a better way to live in the city.

Goettl merges with Tennessee firm American Residential Services

Goettl Air Conditioning merged with American Residential Services LLC, a Tennessee plumbing and air conditioning chain. ARS/Rescue Rooter purchased Goettl, an Arizona firm, but plans to maintain the company’s name, management team and existing headquarters.


ARS has locations in 25 states and the District of Columbia, including Phoenix and Tucson. The Goettl buyout expands ARS/Rescue Rooter’s Arizona presence and diversifies ARS’s holdings. The firm acquired five other companies in the past two years, including Efficient Attic Systems, ARS of Richmond, AllGood Plumbing, Electric, Heating & Cooling, Unique Air, Inc. and RighTime Home Services.


The Goettl team brings a new dimension in engineering and industry insight,” said Ken Goodrich, ARS/Rescue Rooter southwest division vice president.


ARS/Rescue Rooter provides air conditioning, heating, and plumbing installation, maintenance and repair services, indoor air quality, sewer line services, attic insulation and drain cleaning to residential and light commercial customers.

Goettl, founded in 1939 by brothers Gust and Adam, provides sales, installation, repair and maintenance services for heat and air systems. Until 2015, it also manufactured a line of air conditioning and heating equipment. Goettl Vice President John Ryan said the manufacturing operation ceased because foreign manufacturers could produce units more cheaply. ARS wants to revive the brand which for Goodrich holds sentimental value.


The Goettl brothers began the company with the goal of helping Arizona residents weather the harsh, extreme heat of desert summers. Initially servicing Phoenix, it grew to include Tuscon and Tempe. Goodrich takes a hands on approach with acquisitions and his top focus points for Goettl include company vision, culture and a higher quality installation process.

Learn More: