Advantages of Stock-Based Loans over Typical Loans

According to an article published on July 12th, 2016 by INDIANAPOLIS, IN, banks and other financial institutions have tightened lending criteria. Equities First Holdings is taking advantage of that situation by lending money to people who need to raise capital quickly as well as those who do not qualify for more conventional credit-based loans. Equities First Holdings is a firm that offers alternative shareholder financing solutions all over the world. It is the leading lender globally.

Even if these borrowers still have some options left, most banks have reduced lending options for borrowers, increased interest rates and have made loan qualifications tighter than before. The founder and CEO of EFH, Al Christy says that loans collateralized by stocks will be an innovative alternative for borrowers looking for working capital. Stock-based loans offer certainty to borrowers throughout their transaction life because they have fixed interest rates and a higher loan-to-value ratio as compared to margin loans.

Christy explains that a typical loan with a term of three years has market fluctuation, unlike a stock-based loan that offers a hedge since borrowers lower their investment risk in a downside market. Christy explains that stock-based loans have more advantages than conventional loans. According to Christy, stock-based loans have non-recourse feature, which allows borrowers to walk away from the loan anytime they want, even if the value of the stock depreciates. That means that the debtor can keep the proceeds from the initial loan without any further obligations to the lender.

Margin loans have variable interest rates, and they require the money to be used for given purposes. Note that the lender can liquidate borrower’s collateral without prior notice in the event of a margin call. Loan-to-value ratios are between 10 and 50%. However, stock-based loans have ratios of 50 to 75%. Stock-based loans do not have any restrictions so borrowers can use the money for any purpose. Their interest rates are also fixed.

About Equities First Holdings

Equities First Holdings, LLC was established in 2002. Since its establishment, Equities has been offering alternative financing solutions and supplying capital against publicly traded stocks. The lending firm aims at meeting the professional and personal goals of its clients.

Since its establishment, the lending company has completed close to 700 transactions globally. It serves global companies and high-net-worth people. The transactions are worth over $1.4 billion, with low fixed interest rates loans.

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Getting Benefits from Securus

For a lot of people who are behind bars, it can feel frustrating to keep in touch with loved ones because you simply do not know how to do this in a secure and beneficial manner. When I discovered Securus for the very first time, I knew that this was a technology that could benefit families all across the country who were dealing with individuals in prison. It is more than a little frustrating to deal with communication when someone is behind bars and Securus takes away this frustration and gives you better is when it comes to talking and video messaging with a loved one.


If you would like to learn more about Securus and how it works, you can visit its website to see about the technology and what it can do for you. What you might also be interested to know is that this is a technology that offers many awards and certifications in the past because of the fact that it is different from anything else on the market. If you feel it is time for better communication with a loved one behind bars, you are going to want to give Securus a try for yourself and see if this is going to help you keep in touch with that loved one with whom you have lost touch.


Lots of people have found Securus to be one of the top technologies in the industry and this is why they are using it for themselves and their loved ones. A lot of individuals have found Securus to also be quite affordable for their budget so this is also something that you will find to be great when trying to get a technology that truly works without it breaking the bank for you and your family.


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Adrian Jose Velasquez Figueroa: 10 facts

Panama is a country that links the continents of South and Central America. Apart from having original beaches, Panama has the most interesting features. Below is a summary of the most notable and interesting facts about Panama for Adrián José Velasquez Figueroa:

• The Panama Canal generates nearly a third of the country’s revenue by drawing people worldwide because it is a tourist destination. It is important to note that the robust economic activities dependent on the Panama Canal are the main source of revenue instead of tourism on Tumblr

• El Valle, which is one of the popular tourist destinations on, lies within the crater of an enormous volcano. Compared to the Panamanian lowlands El Valle is known to have a cooler atmosphere.

• Panama has the lowest fertility rate of an average of 2.6 children per woman, making it the least populated country in Central America. 

• Panama uses the U.S dollar as the official currency due to the close economic relations between the two countries. Despite this, there are no U.S treasuries situated within the country therefore the currency is not minted.

• Panama used to be called the Republic of Gran Colombia. 

• Panama is ranked among 25 countries in the world due to its bird diversity it is believed to have over 970 species of bird, more species than both the U.S and Canada.

• Panama has more than 2,490 kilometers of coastline. For a topographically small nation, 2,490 kilometers of coastline is a great accomplishment. Actually, Panama is known not probably the perfect shorelines in Central America

• Panama is the only capital in the world to have a rain forest situated inside its points of confinement. It is a popular tourist destination since it permits visitors to experience Panama’s landscape and the dynamic cosmopolitan society of Panama City.

• The Panama Railroad is the most expensive railway ever constructed. The railway runs parallel to the Panama Canal and was built at a cost of over $8 million. 

• Volcán Barú is the most astounding height in Panama. Volcán Barú is Panama’s most elevated point at 3,473 meters above sea level.

Adrián José Velasquez Figueroa
Sr. Adrián José Velasquez Figueroa is an expert official initially from Venezuela; Sr. Adrián José Velasquez Figueroa presently holds three distinct positions including president treasurer and director of five organizations within Panamá.

Sr. Figueroa has been a noticeable individual from the Panamá business group, helping organizations to develop, coaching youthful leaders and enhancing the financial conditions.

Further Reading:

Understanding the Brazilian Legal System

The History of Brazilian Law

Brazil largely derives its law from Portuguese civil law which was implemented by the Portuguese during the colonial period. It also uses sections of the French, German and Italian law. This implies that the legal system is based on statutes and partly Súmula Vinculante which was introduced in the constitutional reform passed in 2004.

The Constitution

The Brazilian Constitution gives the Supreme Court powers to publish binding laws. Junior courts and judges, as well as the public administration, are obliged to adhere to the interpretations of the Supreme Court.

The Constitution organizes Brazil as a Federation formed by the union of municipalities, states and the Federal District. The 26 federate states can make and amend their laws and Constitution.

Municipalities also have restricted power since their legislation must adhere to the principles of the Constitution of the state to which they belong. The Federal District, on the other hand, blends functions of municipalities and federate states.

The Judiciary

The judiciary consists of state and federal branches. The judicial system is headed by the Federal Supreme Court which is the protector of the Constitution. The Federal Supreme Court has exclusive jurisdiction to declare state and federal laws unconstitutional as well as rule over cases decided in individual instance courts where the challenged verdict may violate the Constitution.

Ricardo Tosto de Oliveira Carvalho

Ricardo Tosto is Brazilian lawyer who is highly specialized in complex litigation. Mr. Tosto has more than 15 years of experience in corporate law especially bank contracts, corporate restructuring, credit recovery, bankruptcy, judicial recovery and acquisition review. He also handles cases related to international and electoral law.

Mr. Tosto studied Law at the Mackenzie Presbyterian University and Business Administration at Armando Alvares Penteado Foundation. After completing his studies, Tosto worked for several Brazilian law firms where he gained sufficient experience that enabled him to co-found Leite, Tosto e Barros Advogados Associados in 2005. The firm has been recognized as the best law office in Brazil and also won the ILO Client Choice 2013 Award granted by the ILO (International Law Office).

Kenneth Goodgame is a talented leader

The business world is constantly evolving and businesses around the country are looking for quality leaders to keep their business in top shape. There are many popular options in the marketplace, but one of the top leaders in the business world today is Ken Goodgame. Ken Goodgame has left a major mark on the hardware community and he has become a major player within the leadership of several companies.

Kenneth Goodgame started his career by receiving a degree in Marketing from the University of Tennessee. The program was great for developing Ken’s skills and he was a highly sought after candidate when he graduated from his program. After graduating, Ken immediately started working for Home Depot.

Kenneth started his career at Home Depot as a Product Merchant. He managed purchasing for the indoor garden category. He helped grow the category by 20% year over year. Ken was an extremely popular employee within the company and he quickly worked his way up the corporate ladder. He left the company in 2002, but he left a fantastic legacy behind.

Recently, Kenneth Goodgame got an amazing opportunity to work for True Value. The company hired him to serve as their Senior Vice President and Chief Merchandising Officer. He has excelled in this new role. He manages more than $2.2 billion in global purchasing. This covers more than 80,000 unique items. Throughout his time as Chief Merchandising Officer Kenneth has worked diligently to ensure that True Value has a first class merchandising team. Kenneth has turned the company around and True Value is now outperforming even their loftiest goals.

Talented leadership is hard to come by in the hardware store industry, so people like |are sure to be in demand. Kenneth is a brilliant leader and he loves taking businesses to the next level. Kenneth is confident that he can lead True Value to a brighter future.

After leaving Home Depot, Kenneth immediately started working for Rubbermaid. He started out as president of the cleaning division, but he eventually moved into the painting division. Ken’s work with The Home Depot would establish him for a long and storied career.

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Kenneth Goodgame’s Management Expertise

Ken Goodgame is a top executive official who has served senior managerial positions in numerous business enterprises. In every position he served, he used smart marketing strategies that saw the companies improve in customer count, sales, and profits.

His extensive experience in merchandising and management has made him develop business skills such as financial oversight, designing marketing strategies, employee administration, and productivity enhancements.

In 2013- 2015, he served as the Senior Vice President and Chief merchandising officer of True Value Hardware Corporation based in Chicago. During his tenure at the company, he devised an advertisement program that improved True Value’s customer reach and a resultant increase in sales. Furthermore, he built a high energy merchandising team thereby increasing the company’s savings by a margin of 8%. Other productivity enhancements he achieved in the business include improving retail price perception and expansion of the company’s stores.

In 2010-2013, Goodgame was the General merchandising manager of Ace Hardware Corporation, a company based in Oak Brook. He kept the company financially sound throughout the post-economic crisis period in America’s economy.

To improve the company’s operations during the downturn, Kenneth Goodgame made a strategic plan that improved the firm’s annual growth in sales by 4.5%. Additionally, Ace Hardware grew their wholesale sales by $15M from the previous $35M.

He also helped Ace Hardware to increase their store openings by 300%. The new stores increased the company’s sales making a revenue growth of $150M. To keep the stores financially stable, he launched a program known as New Store Allowance Program that was used to remodel the stores to achieve modern standards. The new stores were highly competitive since they offered services according to the unique needs of their clients and local demographics.

For the first time in a period of 25 years, the firm improvised an innovative structure that modernized its private label branding. For this reason, private label sales grew by a margin of 14%. Goodgame also designed a merchandising facility with customer review sections and customer support areas.

Raj Fernando Looking Ahead

In 2002 entrepreneur Raj Fernando opened Chopper Trading, and before he sold the company in 2015 he had grown the company to over 250 employees and it was traded on the major markets. Raj Fernando came from a background that included over ten years of expertise at the Chicago Mercantile Exchange and the Chicago Board of Trade. Due to his extensive experience and unique skillset Fernando was uniquely placed to lead the new trading company. After the lucrative sale of Chopper Trading he launched the successful Internet startup, Scoutahead. As the CEO and Chairman of Scoutahead Fernando offers advanced communication systems that companies can use to increase their productivity and growth.

Beyond his business interests, Fernando is an avid philanthropist, and his efforts range from serving on the board of trustees of the Chicago Symphony Orchestra, to the board of directors for a no-kill animal shelter.

Raj Fernando is also a valued voice in the political arena and sits on the board of directors for the American Security Project, is a member of both the Chicago Council on Global Affairs, and the Foreign Policy Leadership Committee at the Brookings Institution.

As a businessman Fernando is well aware of the many areas the business world can intersect with the policical and social, and by maintaining an active voice in many arenas he is well-situated to make his current venture, Scoutahead, as much a success as Chopper Trading.

Eric Pulier Helped Us With Kids With Special Needs

Eric Pulier has helped a lot of the kids who have special needs because these kids need the best adaptive devices that they could use. Someone who is trying to be sure that they can help their kids needs to know the name of Eric Pulier because he has been so good about helping kids. He wants to be sure that all the kids who need technology help can get it, and he brought it to schools in the 90s using People Doing Things. He made a lot of devices for kids, and he created a really good system that helped many kids where mine went to school.

The kids in the classes we met were really ready for something new that would help them get through school. These kids wanted to feel like they had an actual chance of graduating, but they were not going to graduate unless they got help. Pulier wants to be sure that they can use all these devices, and he brought them into the schools to make sure that they kids got what they needed. The kids all got to ask questions about what they needed, and then they got devices they could actually keep once they graduated.

The planning from People Doing Things made life a lot easier for our children, and we knew other families that got the same results. I always felt very good about the work that was done by People Doing Things, and I loved to work with Eric Pulier. Pulier is such a good man who has been helping people for a long time, and we are so glad that he came to our school. He works in technology even now, and he has made it very easy for a lot of people to be productive.

Additional Links on Eric:

Giving Back & Persisting Towards Your Future With Eric Pulier

IT Leader John Goullet Leads At Diversant

Over the years, John Goullet has had many successful business ventures in the IT field. He is a serial entrepreneur. He started off his career by working as an IT consultant but in 1994 he made a transition to IT staffing. Working both the consultant side, and the staffing side of IT gave John Goullet a broad perspective on the industry. He applied this understanding of the market trends that were emerging to found Info Technologies. It was a company that provided It staffing solution to companies all over the nation including some Fortune 500 companies. John’s leadership proved effective and within 5 short years the company was worth $30 million. It placed on Inc. Magazine’s list of privately held US firms that were growing the fastest. As a visionary, John saw that he could go further by partnering with others so he merged Info Technologies with Diversant Inc. With the merger was born Diversant LLC. John assumed the mantle of Principal. He is active at the company forming strategies that help Diversant face and conquer the challenges of the evolving IT industry.

Diversant is a creative company that highly values diversity. Through diversity, innovation can be increased and problems can be solved more quickly. Companies should also reflect the local communities and hiring people who reflect the demographics of the local community is something that Diversant takes pride in. By embracing diversity fully, Diversant has a competitive advantage over other IT staffing firms. No one knows how to leverage the strength of diversity better than Diversant.

Diversant is registered and nationally certified as a minority-owned Business Enterprise. It creates industry leading pioneering programs that transform business and make them empowered. Diversant has created special diversity programs that can meet the talent needs and enhance the capabilities of all businesses in the IT industry that want to benefit from the strength of increased diversity.

The man of many firsts James Dondero

James Dondero is known around the world because of his success in business is the Co-founder and President of Highland Capital Management. His common name is “Jim Dondero.” He is an investment advisor who is based in Dallas and is among the most experienced and excellent alternative investment managers.

One of the most notable characters of Jim is that he is a manager who is proactive in his giving. His business being majorly global and very successful, James decides to do most of giving locally. Jim has been actively supporting education and healthcare activities in in the Dallas community. Working together with The Dallas Foundation, Jim has increased his philanthropic engagement to many civic organizations such as The Dallas Zoo, The Perot Museum, and The Bush Presidential Library.

James Dondero said, “We were searching for a partner to help in managing our annual philanthropic budget that has grown to above $3 million.” The one found was Mary Jalonick, The President and CEO of The Dallas Foundation, together with her team of donor service experts and other philanthropists.

He then added after the search and said, “We chose The Dallas Foundation which is an organization that is so deeply concerned with the North Texas community. This has been proven over time with a record of achievement in the nonprofit community.”

Mary Jalonick, The president and CEO of The Dallas Foundation said, “Jim’s philanthropic strategy aligns beautifully with his business acumen in employing multi-year grants as part of his giving. Mostly rare in the philanthropic environment, these grants are unbelievably very important to most non-profit making organizations since they offer a very sustainable source of funding for the long term,”.

Currently, James and The Dallas Foundation have hired Linda Owen who is the former president and CEO of Woodall Rodgers Park Foundation. Her role at The Dallas Foundation is focusing exclusively on Highland Dallas Foundation Inc., in connection with Jim’s vision with non-profit making partners in improving the quality of life in North Texas.
Jim said that Linda’s guidance, experience, and relationships in the community would help in making a greater impact in North Texas communities.

Additional Sources:


Our Leadership – James Dondero | Brian Mitts