Monthly Archives: September 2016

Reasons Why Stock-Based Loans Are Becoming Popular

Equity First Holdings has seen more purchase in stock-based loans and margin loans at a time that banks and other financial institutions have tightened their lending criteria. Equity lending is gaining more popularity by catering to clients that do not qualify for conventional credit-based loans.
In recent times, banks have stiffened their lending criteria by imposing stringent rules for borrowing. Such rules include tightened credit qualifications and increased interest rates. Al Christy believes that loans collateralized by stock are an innovative substitute for loans borrowed by individuals that seek capital. Stock-based loans are advantageous because they offer higher loan-to-value ratio than margin loans. Moreover, they offer a fixed interest rate that provides certainty throughout the transaction period.
Christy said that market fluctuations are inevitable over three years. She continued by stating that stock-based loans provide a hedge because they lower a person’s investment risk in a downside market. Christy further said that stock-based loans are better than cash loans because they have a non-recourse feature that enables the borrower to walk away from the loan at any given time. Therefore, the borrower can keep the initial proceeds without any obligations to the lender.
Christy stated that borrowers of stock-based loans expect fixed interest rates between three to four percent. The loan-to-value ratio of stock-based loans ranges between 50 and 70 percent. Moreover, the lender of a margin loan can liquidate a borrower’s collateral without warning at any given time. On the contrary, margin loans have a lower loan-to-value ratio of 10 to 50 percent.
Equity First Holdings is a company that provided security-based lending services to investors and businesses. The company was founded in 2002. Its headquarters are Indianapolis, Indiana. The Founder and CEO of the company said that the firm had been built on a code of transparency and integrity. She stated that the firm relies on the leading regulatory, legal, and trading institutions for counsel.
The company has successfully managed to complete more that 650 transactions worth more than $1.4 billion since it was founded. The firm has subsidiaries in Hong Kong, Britain, Australia, and Singapore.

More information for Equities First:

Twenty Three Layers Takes the Work Out of Your Next Party

According to a recent article in Cool Mom Picks, there are many ways to make party giving easier than ever before. They recommend that you start by getting a co-host to help you share the duties and also the cost. Gone are the days when invitations had to be mailed so use a cool app and send out beautiful invitations digitally. Also, gone are the days of the DJ. Instead, create playlists and play them at appropriate times throughout the party or just listen to your favorite Internet music streaming service.

Cool Mom Picks also recommends that you offer guests food from a buffet or a food bar. They warn, however, that with so many food allergies, it is important to have everything plainly labeled. Cleaning up after a party can wait. Instead, relax and spend time with your friends.
As a parent, they also say that many times, children can be a big help when planning an event. Let them help you make decorations, set tables and other time consuming tasks. If they are invited to the actual party, then make sure that you plan plenty to keep their inquisitive minds busy. Then, after the party, let them help clean up as a way to teach responsibility. For most people with busy schedules, this still sounds like lots of things that have to get accomplished.

If all this still sounds like a lot of work, then consider hiring Twenty Three Layers, a group of event planners in NYC. They can assist you each step of the way from recommending beautiful venues for holding your party to recommending the best caterers in New York City. They will even help you send out the invitations and create the perfect decor. Perhaps, most importantly, they will clean up after the event. Then, you really can enjoy spending time with your friends.

Find them in New York:


Lip Balm Is Essential: Not Merely A Beauty Option

Most of us carry a lip balm everywhere we go, and others even have this item in every room of their home.

If you think that lip balm is really just an option, we would like to change your opinion. Instead, lip balm is essential and should be included in your daily beauty routine.

It doesn’t matter how thick or full your lips might be, when it comes to their general structure in the human body, every pair of lips is of the thinnest flattened tissue cells arranged in layers. The lips are also fragile compared to other parts of skin on the body and lack protective oil glands to keep them hydrated.

If you like tanning or playing out under the hot sun, your lips might look fine, but they don’t have much melanin, which makes them vulnerable to the damage from the powerful UVA-UVB rays. Lips can get sunburned and even develop skin cancer.

That is why everyone’s lips tend to dry out or become chapped if they never see a lip balm. The proper moisturizing balm can make a major difference to keep your mouth kissably soft.

We are obsessed with Evolution of Smooth lip balms ( and not only because they taste and smell sweet and delicious. This balm is the bomb, especially for its unique, spherical design in its own little pot. The balm covers every tiny nook and cranny of your lips, sending moisture and SPF protection your way.

EOS lip balm offers a variety of lip smacking balms, like their Organic Smooth Spheres in flavors of Pomegranate Raspberry, Sweet Mint and Passion Fruit. These are all natural and gluten-free lip balms that caress your mouth with tropical goodness and wonderful hydration.

To choose your balm favorites, check out Evolution of Smooth here. Or visit their product page.

Learn more about the EOS company on Linked In.




The investigation, Analysis and Communication Solutions for Inmates from Securus Technologies.

Securus Technologies is a Dallas-based prison technology company, founded in the year 1986, and works to provide communication solutions, and managing investigations through monitoring information between the inmates and outsiders to ensure safety to the public. The company serves over 1.2 million incarcerated people and works with over 3,450 agencies and correctional facilities in America. Our company has over 1000 employees from all around the United States.

Stay up to date with Securus on

In the ever-evolving field of technology, we, therefore, have to keep up with new technology innovations, so as to pass on the advancements to correctional facilities. Recently, we endorsed the latest software from JLG Technologies, Investigator Pro 4.0. The software came with a number of new features such as the ability to track voice samples from both parties that are then used to identify the voice from any other call sources.

JLG Technologies, from its Chief Operating Officer Michael Kester, was confident of the new software saying it would go a long way in helping investigators curb criminal activities before they happen. He also stated that the toolkit, with its heightened sophistication in Biometric levels, will help uncover high-profile gang-related crimes, that happen across correctional facilities. The toolkits have also eased the otherwise tedious and in most cases confusing criminal gang-related networks, that operate via telephone with inmates, by offering the voice identification searchable feature. Our investigators will now be able to easily notice suspicious outside parties by tracking the other inmates that particular parties have communicated with.

The toolkit will also assist our investigators in identifying if the suspicious parties have ever been incarcerated before, or if any of the former inmates are still in contact with the current inmates. Our company maintains advanced monitoring solutions, that help in keeping track of current locations of inmates in the facility for public safety.


Why Go To Work At Workville’s NYC Coworking Space?


As the name implies, coworking spaces are just that, a place where you go to work. But they represent a dynamic shift away from some of the traditional norms of going to work. Coworking spaces are becoming popular places where employees who do the bulk of their work outside the office can setup shop with their own work habitat, or places where self-employed people can start clientele networking. And much of what you need to get started such as office space, printers, fax, mail service, and of course coffee machines are usually provided at coworking spaces, so all you need to do is bring your computer or mobile device there to get going.

So why travel to a coworking space instead of just working from home? Working from home will always be an option, and in some cases coworking spaces also include coliving suites which function as a sort of dorm apartment, but that’s another topic not included here. But simply working from home can get lonely, especially if you’re a social butterfly who loves to interact with other people, make new friends, or just looking for an atmosphere that motivates you to be productive. And at a coworking space, you just might be able to pick up another job if you’re having a slow day with your current one. Plus, many coworking spaces come with some recreational rooms where you can play pool or watch TV after hours, or fitness rooms where you can workout or have a relaxing massage once your day is done.

Offices for rent in New York City available at Workville are great new coworking spaces, and here you can come to work and enjoy yourself. Getting to WorkvilleNYC isn’t too difficult from public transportation as it’s in very close proximity to Times Square and the Financial District, and you have quite a variety of options to choose from while renting a workspace there. You can choose between open workspaces in a lounge or café type setting, or get your own private office suite if you’re willing to pay a little more. WorkvilleNYC also has conference rooms and special dining areas, as well as open terraces if you’re planning on reserving the place for your own events. You can access the building 24/7 and on-site cleaning staff are there to tidy the place after hours. You can schedule a tour of WorkvilleNYC by going to or by giving them a call.

Adam Goldenberg is taking JustFab to new heights

While New York is known for having some of the biggest business headquarters in the world, they do have several rivals. The glitz and shine of Los Angeles are extremely attractive to businesses in the fashion industry, and many companies choose to locate there. There are hundreds of successful business leaders live and work in Los Angeles, and Adam Goldenberg is one of them. Adam Goldenberg currently serves as co-CEO of JustFab and has already had a great career.

Adam has always wanted to change the world with his business skills. At the age of 15, Adam founded Gamers Alliance, his first company. The company was incredibly successful, and three years later he sold it to Intermix Media. Intermix wanted to add him to the leadership team, so he quit high school and joined the company. When Adam was just 20, he was named Chief Operating Officer. Adam Goldenberg was the youngest COO of a publicly traded company at the time. During his time at Intermix, Adam met Don Ressler. The pair would go on to make a major impact on the business world.

Don Ressler and Adam Goldenberg became friends and they started several companies together. They started by creating a brand incubator platform called Intelligent beauty. The company was successful, so the two moved on to other projects. Adam and Don have founded numerous successful health and beauty brands over the years, and they started to work out the details of a personalized shopping experience on crosscut.vcthat would live online. They wanted the excitement of social media to merge with the fashion world. Adam and Don also wanted this experience to be completely affordable.

The pair knew that their idea was largely untapped, so they had a grand opportunity to capitalize on the situation. Successful online endeavors have to be fun, social, and engaging. They launched JustFab by expanding Intelligent Beauty on YouTube. JustFab is a truly unique service that captures the excitement of the fashion industry in the online world. The service allows members to receive a selection of fashion items tailored to their personal taste on a monthly basis, and it only costs $39.95 a month.

Adam and Don are determined to make JustFab a revolutionary product. They are not just a subscription service, they are a way to keep engagement high. They interact with their customers regularly and are working hard to meet their needs. The company is constantly expanding and Adam has left a major impact there.

Norka Luque’s Amazing Musical Journey

Norka Luque is among the few female musicians who have cemented themselves as talented and humble icons with no controversies in their careers. She uses her golden voice to inspire the hopeless in the society. Her song lyrics are carefully composed to include words that have a moral impact on listeners.

Born in a middle-income family in Venezuela, Norka was always a sweet dreamer who made her parents admire her intentions. As a result, they gave her an unconditional support to exploit her love for music. They enrolled her in ivy-league musical training schools in her country. While making music, Norka also decided to pursue her normal academic ambitions. She became a Business Administration student in France and got a degree. She also explored other options including Culinary Arts, Marketing and Fashion.

While in France, she did not stop her musical ambitions. She became part of a band that performed in events within the university and the neighboring community. It was this time that she received a special call from Emillio Estefa Jr, a renowned Venezuelan producer. This opened doors for her long-time dream to become a great musician. Norka Luque could not hide her joy of becoming part of Emilio’s record label.

While under Emilio, Norka produced many songs that became big hits in Venezuela and neighboring countries. She worked with a team of composers known as Luigi Giraldo who played an integral role towards the release of her song “Miracle”. The song was a huge success and topped the charts for 14 weeks in a row. Since then, her name has always been a respected one in Venezuelan music industry. She has performed with several high-profile artists including Grupo Treo, Santaye and Jossie Cardoba. She has also featured in Billboards events in her home country.

Norka musical career is far from over. She currently has her own label known as Norka Music. She uses the label to sign new artists and nurture them to become talented and skilled individuals. She also uses the label to promote her songs and bring a positive message to her fans. She is promoting her new song “Milargo” in Venezuela and US. According to her, the song is an embodiment of hope to people who are burdened by personal and family issues. Norka Luque’s destiny is music, the cornerstone of her happiness and purpose in life. She lives in Miami, Florida where she enhances her musical career.

Bob Reina Inspires, Gives to Great Causes

Bob Reina is a rare CEO that has a mission to change the world. He is known by his associates a great leader with a shining light on what should be done to better the lives of others. And it isn’t just a physical manner he wants to help people. He truly believes that he has a “greater responsibility” to help others realize their dreams due to his success.

The vision and commitment to changing the world is apparent. It seems to trickle down the organization, as it now a part of their corporate DNA at Talk Fusion, the technology company he founded in 2007.

It seems that the goodness Reina is spreading in the world starts right at home in the business. He provides instant pay for all associates, so they aren’t waiting around to get their funds. This way, they are able to better pay their bills, medical expenses, and help out friends and family with their monetary needs.

But Bob Reina doesn’t leave it at that. He is always finding more ways to give back. In fact, he allows his employees in over 140 different countries to help out by offering one free account to a charity that they choose. This free Talk Fusion account is not just the basics either, like some other companies do. It is loaded with all the best features of a premium custom account. They can access video email, video newsletters, video conferences, email templates, live chat, and more. Reina feels that every great nonprofit deserves a voice, and like a great leader he is giving it to them. Learn more about Bob Reina at Home Business Magazine.

More About Reina

Bob Reina has personally broken donation records by giving $1 million to the Humane Society of Tampa Bay, Florida. He also donates to orphanages in Nepal, victims funds in Nepal, earthquake victims in Japan, and animal rights shelters.

Reina began as a criminologist with the police force. Clearly, he has a history of helping as a public servant. But he saw an opportunity to help even more people and change the world with video marketing services, so he founded Talk Fusion in 2007. He has continued to give back consistently, which you can see more about at

Learn more:

Talk Fusion Diamond Rush Motivational Moments… by MollyJimenez

Legal Representation Services that are offered to the SEC Whistleblowers.

The Congress’ approval of the Dodd-Frank Wall Street Reform and the Consumer Protection led to a significant evolution of the United States’ finance industry. The enactment took place in 2010, and it was the first noteworthy amendment since the Great Depression. The passing of the Dodd-Frank Law facilitated the formation of a competent whistleblower protection program. The plan is dedicated to guaranteeing the protection of all individuals who volunteer to give useful intelligence to the Securities and Exchange Commission on institutions that violate the federal securities laws. The whistleblower protection laws guarantee job security to the SEC informants and gives that a right to receive a financial motivation from the commission.

Since the enacting of the whistleblower protection acts, various law companies have been created in the United States with a primary aim of providing legal services for the informants. One of the principal firms in the whistleblower representation sector is the Labaton Sucharow law company. It is a pioneer in the business, and it has managed to establish unique platforms for offering its legal solutions. The firm has a strong whistleblower representation practice that guides its team of investigators, financial analysts and forensic auditors who have ample information on how the law is implemented.

The undertakings of the Labaton Sucharow law firm are governed by Mr. Jordan A. Thomas who was formerly employed by the SEC as the assistant director and the Department of Enactment’s deputy principal litigation counsel. He is acknowledged for being a major participant in the formation of the whistleblower representation program and its implementation.

The regulations of the whistleblower protection program state that the informant should be offered 10-30 percent of the money that the commission gains as penalties from the offenders. The sanctions’ threshold is one million dollars, but an additional financial reward can still be given to the informant if the engagements of other law enforcement agencies lead to extra fines. The Doff-Frank Act also indicates that employers do not have the right to revenge to the whistleblowers for offering information to the SEC.

The commission also allows the informant to provide information without disclosing his or her identity, and this can be done through the representation of an attorney. The first consultation at the SEC is free, and the organization assures attorney-client privilege protection for any intelligence that is given. They also provide a free interpreter to encourage foreigners to give any information that they have on rogue companies.