In these modern times, we have seen tightened lending criteria from banks and other lending institutions. Equities lending, on the other hand, has come as an aid to those people who need to borrow capital and cannot qualify the standards set by banks. Banks have made borrowing difficult by implementing one of the following criteria; First, banks have increased interest rates for people wishing to borrow and don’t qualify. Second, banks have tightened loan qualifications. Finally, one needs security to acquire a loan. Equities First Holdings has designed an innovative way of giving borrowers the fund they need. They offer loan that is collateralized by stocks.
One advantage of this kind of a loan is that it offers a higher loan-to-value ratio compared to margin loans. Secondly, it offers a constant interest rate, therefore, ensuring the borrower has certainty during the whole period of the transaction. For instance, consider a three-year loan term. During this time, market fluctuation will occur. The good thing about stock-based loans is that the investment risk will be lowered to the downside market. Both margin loans and stock-based loans have differences and similarities as they require securities for collateral. On the other hand, for margin loans, you must be pre-qualified, and the loan may require you to use the money for a specific purpose. When it come to the interests rates, they may vary, and loan to value ratios may be between 10-50 percent. Additionally, the lending firm has an option to liquidate any collateral without warning. The good thing about stock-based loans is that they have no restrictions and have a lower interest rate of around three to four percent. Loan to value ratios ranges between 50-75 percent. Another good thing about this loans is that they are non-recourse, meaning that the borrowers can walk away without obligation.
Equities First Holding is a company that specializes in alternative finance solutions for its customers. The company does this by using publicly traded stock as security. The company was established in 2002. Over the years, the company has conducted around 650 transactions with a net value of $1.4.
Equities First holding has offices in nine countries. Some of its well-known subsidiaries include Equities First London; Equities First Holdings Singapore limited as well as Equities First Holdings Australia and Hong Kong.
ChapStick is a name that many baby boomers will recognize instantly. By contrast, EOS Lip Balm may be something that these baby boomers have never seen or heard of. Coincidentally, the reverse is true for millennials. The EOS Lip Balm may certainly ring bells for young people, but ChapStick may be a foreign in concerns to the products that they know and love. This is happening because EOS set out to market to the millennials first.
People are growing up in an age where they have to connect to social media to see what is new and hot. That is what makes EOS such a hot topic. Fast Company has researched the way that this company is growing, and the evident is there. ChapStick was leading the way, but EOS lip balm was on the rise. ChapStick didn’t have a team that could develop and market the way that EOS did. The end result was a product war with EOS executives pulling out all the social media ammunition. This would be the thing that would topple ChapStick. The Evolution of Smooth has made a smooth transition to the top, and ChapStick is struggling to regain the throne.
The reality is that ChapStick has left the door open for competition for far too long. There is no going back. People have become used to the stylish brand of lip balm. They don’t want to try anything else. They appear to be content with what the Evolution of Smooth is offering. This means that there is less of a chance that ChapStick – or any other company – will come in and overshadow this brand. This is a company that is tied into social media in a major way. The crowds that support EOS are the young people that are telling friends about EOS. To learn more, visit the evolutionofsmooth website, Linked In page and Pinterest (https://www.pinterest.com/explore/eos-lip-balm/).
Sweetgreen is a fast food restaurant that features a menu exclusively made up of organic salad ingredients and healthy grains like quinoa. Yes, you heard it right. Sweetgreen is a healthy fast food restaurant.
Unfortunately, though, Sweetgreen has yet to become a household name. However, this is beginning to change rapidly. The Sweetgreen restaurant franchise:
- Is attracting fans and customers from all income brackets and walks of life,
- Has begun its own outreach program to educate young people about how to eat healthier,
- Employs numerous managers and servers in their restaurants, and corporate executive staff, along with organic farmers as well, and
- Has created its own music festival called the Sweetlife Festival that features the world’s top Pop, Rock, Hip Hop and R&B acts
The chain is creating a lot of buzz for the right reasons. The founders, Nathaniel Ru, Nicolas Jammet and Jonathan Neman make every business decision carefully. The hire like-minded staff and they work hard to create viable answers to community problems. This is because they want both the customer and the community to benefit from the impact they create.
Some of the solutions the Sweetgreen franchise offers to local communities include:
- Resources – Employment opportunities,
- Health – Access to healthy foods at an affordable price,
- Dignity – A pleasant fast-food dining experience at a clean, well-cared for establishment, and
- Life Skills – Education about healthy eating for those that might not get it otherwise
Many adults are so set in their ways. Many schools didn’t start teaching young people about how to eat healthy until the 70s. That means that many older adults grew up eating extremely unhealthy foods and living very dangerously indeed.
Just ask any history teacher. Not only did everyone smoke. They smoked everywhere, including on planes, on buses, in meeting rooms and in offices. In addition, people drove drunk and ate foods we would never dream of eating today.
The best way to help people change unhealthy eating patterns is to actually give them alternatives. A person that has eaten unhealthily for his or her entire life might decide to eat better and go to the grocery store and buy a head of iceberg lettuce, some ranch dressing, fried chicken fingers and a tomato to create a salad and call that a day. Though it’s likely healthy than what they’ve been eating, it still isn’t quite making the dramatic change necessary to heal and cleanse an unhealthy body.
With the continuing turmoil in the struggling global economy, it is important for people to keep investments diversified. Traditional stocks, bonds, and mutual funds are more volatile than ever. Therefore, many people are looking at real estate as a way to change their investment strategy. Many factors make real estate a unique investment. Real estate tends to appreciate in value instead of depreciating. Real estate also provides a large cash flow. Unfortunately, it can be a challenge to find a solid market to invest in. Everyone knows location is the most important factor in real estate; however, some of the lesser known issues can be difficult to overcome.
That is where David Osio has changed the market. The Davos Real Estate Group has partnered with the leaders in the information technology industry to develop the Davos CAP Calculator. This is an application that enables prospective real estate investors to quickly calculate important factors in a potential real estate investment. These include net income, cash flow, and capitalization rate. Real estate investment requires a large principal that can worry many potential investors. With this tool, many of the uncertainties will disappear. This application is only the latest in a long series of products the Davos Real Estate Group has provided to investors.
David Osio is the CEO and founder of the Davos Financial Advisory Group. Under his guidance, the Davos Financial Advisory Group has grown to unprecedented heights. The company has also expanded across international borders with offices in New York, Panama City, and Geneva. This makes the Davos Financial Group a leader in both the domestic and international real estate markets.
Furthermore, David Osio is on a mission to make a difference in the world with philanthropic efforts. He has made a significant impact in the art, music, medical research, and infrastructure of communities around the world. He has been in constant negotiations with charities around the world for decades. The capital he provides keeps these organizations functioning in their communities. For example, he has provided funding for the Miami Symphony Orchestra. This group was in a dire need of funding to provide the unparalleled concerts enjoyed by thousands in the Miami area. Furthermore, Osio also supports the Children’s Orthopedic Foundation. This group makes sure that children with traumatic injuries from sports and accidents have the care necessary to return to their everyday lives. Osio serves as a shining example of a business leader bringing positive change to the world.
Follow Osio on Twitter @davidosio1