Equities First Holdings Is a Global Lender That Sees an Increasing Trend of Borrowers Who Use Stocks As Collateral to Secure Working Capital

Equities First Holdings is a world lender and leader in offering optional shareholder financing solutions. The company is registering an expanded traction in stock-based and margin loans in an economic environment where traditional financial institutions have tightened their lending criteria. Thus, equities borrowing is getting more popular for investors seeking to raise working capital easily or even who may not meet the minimum requirements with conventional credit-based loans.

Despite having some alternatives that exist for these kinds of borrowers, over the recent past, most banks are said to have cut their loaning options, increased interest rates and tightened loan qualifications. The founder and CEO of Equities First, Al Christy, Jr. views stock loans as an innovative means of borrowing for potential investors who seek for working capital. Normally, stock-based loans have a greater loan-to-value ratio compared to margin loans and come with a fixed interest rate, thus giving certainty throughout the period of transaction.

According to Christy, within the normal three-year loan duration, fluctuation in market is inevitable. However, stock-based loans offer a hedge with borrowers reducing their investment risks in a downside market. Also, most stock-based loans bear a non-resource feature allowing borrowers to walk away from their loan at any time of their wish even when the stock value goes down. Hence, the borrower keeps the initial cash and is no longer held accountable by the lender and its Linkedin.

Also with stock loans, borrowers anticipate a fixed interest ratio ranging from 3 to 4% and a loan to value ratios varying from 50 to 75 percent. The loan comes with no restrictions and thus can be used for different purposes. Equities First has been established on the code of transparency and integrity with the firm depending on spearheading regulatory, legal and trading institutions for counsel. The mission is to offer the optimum benefit with small risks to ensure every investor can meet their professional and personal financial goals and more information click here.

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Jose Borghi: a Force to Reckon with in the Advertising Industry

Jose Borghi is a Brazilian businessman and an advertising guru. He is a graduate who majored in advertising. Borghi initiated his career in 1988 at Standard Ogilvy. He has also worked at FCB, DM9/DDB, and the well-known Leo Burnett. During his tenure in these agencies, he served as the head of creations and president and learn more about Borghi.

 

Borghi’s career history

Having worked for Leo Burnett, he later left the company to establish his firm, BorghiErh Agency. In 2006, new partners came on board and merged the companies, forming Borghi/Lowe. He then took over the presidency of the corporation and helped in the restructuring of the enterprise. After a couple of years, the Mullen group came on board, and the company was renamed to Mullen Lowe Brasil. By 2015, Borghi became the co-chief executive officer of the agency. This agency has since served a variety of clients, including Unilever Knop, Ducoco, Omo, Clear, Close up, Di Santinni, Surf, and Boehringer Ingelheim.

 

Jose Borghi takes credit for launching some of the most influential media campaigns, such as Fiat’s “Rever Conceptos,” Honda, Parmalat’s “Mammals,” and “Carlinhos” for the Down’s syndrome Association. Borghi has worked in collaboration with major stakeholders in the advertising market, such as FIAT, BankBoston, Honda, America On Line, Grupo Folha, American Express, Bunge Group, Leroy Merlin, Shopping Iguatemi, LG, and Delta Airlines. Borghi has won various awards, including 15 at the New York Festival, 20 Lions at Cannes, the Archive editor, 11 awards at The One Show, and the 12 Clios Awards and Borghi’s Website.

 

Borghi speaks about design and marketing

Borghi has an interest in designs and how they are incorporated into marketing. He has collaborated with entrepreneurs, such as Jaako Tammela, in developing designs used in branding. These two business people have been discussing on the prospects of using latest models to communicate a product’s specialty. According to Borghi, the incorporation of branding and design creates campaigns that are real and can reach out to more clients. This is the basis of a successful advertisement campaign. Borghi believes that there are three layers of a creative campaign. The first layer involves what we feel, see, and sense. The other layer is comprised of originality of the marketing ad. The last and most important layer is the ability to give meaning to the things that we visualize. Based on his vast experience in advertising, Borghi feels that when all these aspects are put into consideration, one can create some of the most elaborate ads.

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Jose Borghi is a Unique Advertising Talent

One of the most critical needs of any business in the world today is advertising. Nearly every market is oversaturated with businesses offering similar products. What’s more, mediums like social media make advertising more accessible and therefore widely used by nearly every business. In this kind of business landscape, it becomes even more important for companies to use advertising to reach their customers. Without exposure to the public, specifically concerning the services and products that ad companies offer, it is difficult for companies to compete in this market.

One of the top ways to increase exposure in the commercial world is with advertising. However, advertising is far more complex than the average person or company realizes. Even getting your advertising out in the public is not a guarantee that the ads you create will produce results. Advertising requires a well thought out plan and a way to implement this plan. This is why many companies employ advertising agencies like Mullen Lowe, who have decades of experience, to handle their advertising initiatives.

Advertising agencies specialize in tailoring a message for your company and product and getting it to the people. These agencies know what it takes to produce successful advertising results for your business. In Brazil, one of the most respected advertising agencies is Mullen Lowe Brasil. Their agency has an exceptional reputation, cultivated over many years, across the advertising world. Their President of Mullen Lowe Jose Borghi is one of the men credited for their incredible success.

Jose Borghi is one of the best advertisers in Brazil and is well known in advertising all over the world. Borghi has had a storied advertising career and is known as an innovator in the industry who has a unique talent for understanding the advertising business and more information click here .

Sam Boraie: A Pillar in NJ

Few words come to mind when Sam Boraie’s name is mentioned: a real estate business, a philanthropist, and a visionary. Having grown up watching his father, Omar Boraie, build a well-respected real estate firm, Boraie Development, Sam realized early that he wanted to follow his footsteps. It only makes sense to join Boraie Development: a Pillar in New Jersey that has renovated shoddy neighborhoods with high crime rates and turned them into gems. 2013 was an especially remarkable year when Sam Boraie and his team at Boraie Development were able to collaborate with former NBA star Shaquille O’Neal to build a 23-story complex, housing 169 apartments as well as retail stores in Newark, NJ. The partnership continued when O’Neal desired to also build a cinema complex with Sam. The continued collaboration shows the charismatic relationship that Sam has with his partners. Other notable buildings that Sam has helped to develop include The Aspire in New Brunswick, NJ and The Estates at Waverly Place in Montgomery, NJ.

Read more: At Two Extremes of a Housing Market

The Aspire was built with younger people in mind; close to Rutgers University, Sam, and his team did a great job in constructing the building with a combination of luxury apartments and two bedroom apartments for students as well as for fresh graduates and young professionals. Though the intention was to build for a younger crowd with not much room in their budget, Sam did not compromise on quality and vouched to build with the reputable Tishman Construction (they built the World Trade Center) to include luxury add-ons such as gourmet kitchens, wooden floors, and high ceilings, just to name a few. The price range, however, even with such amenities, ranges from $1,750 to $2,750 monthly. The Estates at Waverly Place, on the other hand, are built with a completely different intention. Based in Montgomery, New Jersey, these states are geared towards families looking for custom-built estate-style homes near one of the best school districts in New Jersey. Montgomery is also home to many shopping centers, cinema centers, and hospitals–and ideal suburban community. See: http://www.boraie.com/

Sam Boraie, besides expanding Boraie Development’s real estate market, is also deeply passionate about fundraising and philanthropic ventures; in 2014, he helped raise nearly $800,000 for the State Theater in New Brunswick and was recognized as one of only four honorees. He also cares about children and the education they receive, supporting various artistic and academic programs. A special non-profit near and dear to Sam is Elijah’s Promise, which aids in delivering healthy meals to people unable to afford them in New Brunswick, NJ.

This is just the beginning. Sam Boraie, having watched his father build an empire and help the community in the process, hopes to walk along a similar path and has already accomplished so much at a young age. This is a true mark of a visionary, and it will be exciting to see what more is in store for Sam Boraie and Boraie Development for the future of the company and also for the communities in New Jersey.

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Read more about Sam Boraie on Intelius

Real Estate In New York:The Bubble The Tools

New York City is the largest metropolitan area in the United States. As such they have many houses, apartments and condos for sale within the city. But how is the market for all these dwelling places doing? Today we will find out.

The New York City real estate is experiencing a housing bubble in the luxury market. With many high-end apartments for rent the price of a domicile in New York city is going up. This is indicative of a housing bubble.

This housing bubble according to Ron Insana is about to burst. Data shows the demand for condo apartments over 3 million dollars to be poor. Buyers are opting for cheaper living quarters or residences outside the city. This has been an ongoing trend that shows no sign of reversing.

However, if someone is in the market for a home in New York City, especially a luxury home, there are many tools. Tools that make looking for a home in New York City easy as can be. One of these tools is Town Residential.

Town Residential is a site that lists luxury residences for buyers and house hunters. At town residential there are many residences available in all the neighborhoods of New York City. Town residential also has employees and services to help you with renting, becoming the owner or selling out your home.

One of these services is the guides. At town residential there are guides for renting, selling, buying and financing a home. These guides cover many things like the different forms of property ownership, the timeline for buying a home and closing costs.

In conclusion the bubble in the New York City real estate market is an ongoing problem. This problem is showing now sign of getting better.