If there is a common mistake that many advisors make when assisting their clients with financial help, legal security, and other sectors, is the lack of information and importance that these advisors give to social security.
It is a highly crucial matter that needs to be discussed with all customers without exception. Social security is something that clients depend on when they could have been relying on benefits that they do not even know exist.
David Giertz spoke about how advisors avoid talking about the matter because of the extensive rules and information that needs to be accounted on to receive the benefits of social security on moneytips.com. It is a comprehensive list of conditions that needs to be met, and the fear of their clients not fully understanding the concepts of social security causes the advisors to ignore talking about it, which is a mistake.
David Giertz has extensive experience with social security and other consultant roles that need to be met to become a professional of quality. He has over twenty years of expertise in the field and is the former Senior Vice-President of Financial Distribution and Sales at Nationwide Life Insurance Company.
When interviewed about the topic of social security, David Giertz covered the biggest inquiries about the matter that most of his clients ask when in doubt of what they can get from the extensive law at https://soundcloud.com/davidgiertz.
The first question that is naturally asked is: What is Social Security?
According to David Giertz, it is a federal government program specially designed to offer benefits for Americans that qualify for it. Some conditions need to be met and an extensive list of different social security benefits that needs to be thoroughly read and analyzed with your security advisor.
The other question is: How does it work?
Well, it is surprising, but not everyone knows that they pay Social Security taxes when they work. This investment is used to fund people that are currently retired, have disorders, or some other condition.
David Giertz is an expert on the subject, and he has helped hundreds of retired individuals receive the rights that they deserve.
The world monetary crisis has raised vital questions on how global policy frameworks regulate, monitor, and manage global liquidity. In public and international financial structure, liquidity is negatively impacted by excessive volatility. In that line, G20 has been working hard to bring about the best solutions. Before they have been focusing on essential array of financial and banking reforms but have stopped to address the vital challenge of calibrating world liquidity in order to cater for the global economy necessities. To date, acquiring a conventional loan is really a challenge, but small business and individual investors have sought other better means of acquiring affordable working capital. The number of stock loan borrowers has been on the rise and Equities First takes pride in providing innovative solutions at a time when the world is fighting a lot of monetary issues.
The urgency of changes is reinforced by various factors and most well among them is; in the next decade, developing economies will probably account for at least 50% of the world financial assets, with a number of systematically vital financial institutions emerging, especially in Asia. Another factor is the timing and prospect of the US Federal Reserve as the interest rates are on the rise. The rise coupled with the new concern regarding retrenchment in world capital flows, has added weight on the significance of liquidity management as a world public necessity.
Central banks have worked to do this amid crises by highly increasing the amount of swap agreements. But they have also stopped due to establishing of institutionalized world swap network, which is understandable as they are basically driven by domestic mandates. The trend of borrowing stock loans has increased with various investors reaping the benefits of alternative lending solutions offered by Equities First. The loans come with various benefits which include small interest rates, higher loan to value (LTV) rates, non-purpose and non-recourse features among other gains.
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Equities First is a leading specialty-finance firm, which provides a unique financing option to consumers. Equities First currently specializes in providing loans to consumers, which are secured by stock portfolios. This unique financing option comes at a time when other lenders are shying away from all types of consumer loans.
When giving out a new loan, Equities First will take a lien on a borrower’s stock portfolio. This gives the company the ability to liquidate the stock if a situation arises in which a borrower is not able to pay back their loan. In many cases, Equities First will provide a loan equal to up to 90% of the stock portfolio that a borrower pledges. Further, due to the strong collateral position, the lender is also able to offer low interest rates compared to traditional personal loans.
While consumers may consider just selling their stock as opposed to taking out a loan, there are two key situations when it would make more sense to hold on to the stock. The first situation is when selling would go against your investment strategy. If you believe that the stock will appreciate in the future, or continue to pay dividends, it could make a lot more sense to hold the stock until the price hits your target. The dividends and appreciation will likely far outweigh the cost of the fees and interest.
You should also consider taking out a stock-secured loan when you are looking to avoid paying higher taxes. In some countries, you will pay a higher tax rate if you sell the stock after owning it for a short period of time. In these situations, it would make a lot more sense to continue to hold the stock and wait to sell until you can avoid paying higher interest rate.
Stephen Murray is a former executive within the financial industry who dedicated his life to helping other individuals find the perfect investment that fits the necessities required that not only have yielded customers with a high return, but has also helped to diversify the overall portfolio. Stephen Murray has always been dedicated to his customers and has dedicated over two decades of executive experience to leading his employees to inspire him to make choices with their customers in mind. Stephen Murray was a world renowned financial advisor who was sought after by individuals within both the private sector as well as within the public sector.
Stephen Murray is most known for being the CEO of CCMP Capital, an investment firm that specialized in customer service and providing the best investment opportunities on Bloomberg. As the leader of this company, Stephen Murray was truly able to build the company to become as successful as it can be. Stephen Murray has always been interested in economics and the study of human behavior within different markets. Stephen Murray believes that true knowledge comes from experience and has dedicated his entire career to learn more about his specialty for the purpose of helping others with future investments.
With a degree in economics from Boston College, Stephen Murray began his career within a training program to become an analyst. After completing not only his education, but also his training, Stephen Murray became a part of the MH Capital Partners, an investment firm that has undergone much change within the past three decades. During this expansion as well as during the drastic changes of the company, Stephen Murray was able to climb his way to the top by not only demonstrating his talents for investment, but also by demonstrating his skills as a leader. With this talent demonstrated, Stephen Murray earned a position as the CEO of CCMP Capital.
Stephen Murray was a financial expert who believed that his made wealth was meant to be shared with others who have been less fortunate with life. Stephen Murray was particularly fond of donating to organizations within New York City where he donated much of his disposable income to the Make-A-Wish Foundation. As a wealthy and successful businessman, Stephen Murray always set an example to give back to communities that need the money more than the wealthy. As an individual, Stephen Murray will continue his legacy of leadership and success.
Equities First Holdings has seen an increase in the number of stock-based loans and margin loans. The current economic climate explains the increasing number of borrowers because banks and lending institutions have come up with tightened lending criteria. Borrowers who want to raise capital quickly and those not qualifying for conventional loans are having difficulty accessing loans. However, all is not lost for them because they can get alternative loans. Equities First Holdings is offering margin loans and stock-based loans to such borrowers. The above loans are gaining popularity as alternative means of getting loans.
Most banks have increased their interest rates, cut their lending options and made loan qualifications tighter. That makes it hard for borrowers to access loans. However, Al Christy, the founder and chief executive officer of Equities First Holdings still thinks there is hope for borrowers. Christy sees stock-based loans as an alternative for people looking for working capital. However, Christy explains that margin loans and stock-based loans are not synonymous, a conception by most people. The two financing methods use securities as collateral; however, there are notable differences.
Differences between margin loans and stock-based loans
Individuals who want to borrow margin loans should be pre-qualified, just like in conventional bank loans. The individual may also require using the money for specified purposes. Interest rates of margin loans vary, and borrowers should expect loan-to-value ratios ranging between 10 and 50%. The lending firm has the authority to liquidate the collateral of a borrower without warning in case of a margin call.
Stock-based loans, on the other hand, have fixed interest rates between three to four percent. The loan does not have any restrictions; thus borrowers can sue the money for any purpose. Borrowers can walk away from a loan even with decreased stock value. Stock-based loans have a loan-to-value ratio of between 50 to 75%.
About Equities First Holdings
Equities First Holdings started its operations in 2002, and its headquarters are in Indianapolis, Indiana. It is a private lender that specializes in lending transactions that are securities based. The firm has enabled clients to access quick loans using their publicly traded shares as collateral.
The lending firm also has a satellite office in New York City. Equities First Holdings operates globally in nine countries. It has completed over 650 transactions worth over $1.4billion.
For more details please visit http://www.equitiesfirst.com/
Banking at large are the services provided by many financial institutions and majorly the banks. Such services may include loan or mortgage and deposit processing. In some instances, the banking bodies may also help individuals or companies in wealth management. As transactions are directed to money, then currency exchange services and protection of deposit boxes are left in the hands of the banks. There occur two forms of banking namely commercial and investment banking.
In this trading process clients who tend to be individuals, corporations or even governments are offered security by the banks so that they can acquire financial capital. They may also act as market seeker and providers to individual organization’s products. Trading of derivatives and equity securities together with fixed income currencies and commodities are also functions of the investment banks.
Security banking has identified several features that it fully conducts while it does not match the other forms of business in the provision of similar services. Good examples are the depositing services which are not delivered by the investment section but are offered by the retail and the commercial banks. On the contrary, some nations such as the G7 countries have not separated the services, though; they have an identified system that determines the type of service as either “sell side” or “buy side.” The distinct sides determine the type of services as stipulated.
Martin is the Chief Executive Officer of Lustgarten, Ponte Vedra Beach, Florida an investment banking firm. He was born in Florida on July 9, 1959. He is said to be a believer of investment banking, and his efforts are to see a rapid company build up. The current world economy is very prompt, and investors hope to become top business persons through getting the proper financial support.
Martin is an opportunist who by all means wants the entrepreneurs to get all the available opportunities and succeed in business. He is focused on leaving a successful philosophy that would guide business minds to become top achievers. He is, therefore, looking forward to a very successful portfolio.
The Midas Legacy is a consulting firm that helps people achieve their desired financial and health goals. Many people work hard for their money and want to be able to retire early, and the way they want to. They also want to be able to enjoy that retirement. People want to lead lives that give them peace and happiness, and The Midas Legacy is the firm that can help one achieve those goals.
Their mission is to help people achieve their desired level of success. The Midas Legacy can accomplish this by offering capital to people who want to dramatically, and positively change the lives of people in the areas of natural health, finance, real estate, and entrepreneurship.
The process gets started by consulting the firm. Then, the client will receive a free guide, called The Midas Code, when they become a Member. Experts within the company will then guide the member into their area of business.
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These top experts within the company include successful entrepreneurs, top stock market shareholders, and many others. All of the professionals within the company have the same goal, and that is to ensure the member achieve their desired level of success.
Three of the experts within The Midas Legacy include Sean Bower, Jim Samson, and Mark Edwards.
Sean Bower is a renowned author and publisher with an extensive knowledge finances. He is a business journalist and has contributed many time to The Midas Legacy website.
Jim Samson is an expert in real estate, a trading expert, and a successful entrepreneur. He has about 20 years experience in real estate and is also a bestselling author.
Mark Edwards is the person within the company drug companies don’t want you to talk to. He is the expert in natural health and natural health cures. Many people rely on the drug companies with expensive prescriptions for bettering their health, and Mark will show members a different, way. Naturally.
The Midas Legacy is extremely generous in giving back to the community with charitable donations. They routinely give to groups such as the Wounded Warrior Project, the Give Hope Foundation, St. Jude’s Children’s Research Hospital, and more.
Achieving your desired goals are the mission of The Midas Legacy. They want you to achieve peace and happiness in your life. Their top experts will guide you and ensure you will reach your intended goals.
When George Soros speaks, people listen, and have been doing so for years. Now one of the thirty richest people in the world, Soros was born into a Jewish family in Budapest. Having escaped the Nazi occupation of Hungary and emigrated to England, Soros worked his own way through a university degree from the London School of Economics. His business acumen brought him to the USA, where in 1970 he founded Soros Fund Management; in 2010 this organization was rated one of the world’s most profitable hedge funds. From this background George Soros has emerged not only as one of the savviest financiers in history, but as one of the world’s great philanthropists as well. He has given away more than $11 billion, funding humanitarian, educational, and politically liberal causes in many nations around the world. To assist this activity he founded The Open Society Foundation in 1993.
George Soros has been true to his personal history in supporting a number of causes in Central Europe, among these his support of the Central European University in Budapest. During the rocky period of the breakup of the Soviet Union, George Soros assisted the transition to capitalism in a variety of ways. He has been active in opposing apartheid in South Africa and human rights in the USA. So it comes as no surprise that George Soros would cause some attention recently in an article for MarketWatch.
In his article, George Soros addresses the need for a solid and uniformly applied plan to deal with the immigration crisis in the European Union. Swamped with refugees rushing into Europe from the Middle East and North Africa, member states of the EU have been desperately trying to impose some kind of order. Right-wing governments such as that of Hungary have been issuing their own dictates and forming their own policies concerning their border security. But this is a very bad step, Soros insists, one that is basically opposed to the EU’s basic commitment to the ontological rights of human beings. Any policy involving the refugees must be one that recognizes their human rights; on this point Soros is adamant. Such a policy must be supported by the United Nations as well, which must treat the refugee crisis as a global issue. To this end, Soros proposes a six-step plan. First, the European Union must accept that it will have to resettle and support at least a million refugees annually; these people have the right to participate in the selection of the place they are settled, and can be supported by the sale of bonds. Secondly, Middle Eastern countries like Turkey that are currently sheltering refugees must be given financial support. The EU needs to set up a single Asylum and Migration Agency to deal with all Europe’s borders and insure that refugees crossing the Mediterranean won’t be putting their lives at risk. Such an agency would establish global standards for treating refugees. Finally, the European Union should organize and mobilize various groups from the private sector (churches, NGO’s, non-profit organizations) to assist in implementing the details of its policies. The ultimate goal: keep the EU true to its human-rights principles.
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George Soros’ first notable philanthropic work came in 1979 when he engaged in funding young African leaders in South Africa. He issued these leaders with scholarships so that they could study abroad and increase their understanding of democracy. George Soros says that his efforts at this time played a major role in helping the leaders fight for the independence of their country. George Soros also engaged his philanthropic efforts towards the fall of communism in Germany. He gave funding to inventors of the Xerox decoder machine which was used to infiltrate Communist communication networks. He also funded the activists who pushed for the abolishment of the Communist rule on opensocietyfoundations.org and the fall of the Berlin wall. His efforts during this period of the cold war paid off with the fall of the communist rule and the Berlin wall in the country. From this time, George Soros continued engaging in philanthropic work directed towards bringing democracy and human rights to all nations worldwide.
George Soros later founded the Open Society Foundation. His major aim for forming this foundation was so that he could use it to drive his agenda of human rights respect, government accountability and the ideology of democracy all over the world. The Open Society soon grew to become a parent human rights and democracy philanthropic movement. It expanded into over 100 countries globally supporting and funding human rights organizations in this countries. With great economic success, it was easy for George Soros to influence democratic movements and human rights actions in this countries. George Soros admits that alongside his business success came an obligation to the society. He adds that he felt that he was in a position where he could do something to prevent the suffering of innocent civilians all over the world. george Soros continues to say that all he does in the lines of human rights and democracy is to ensure that every person around the world get the best services they deserve from their governments.
On the current global economic environment on marketwatch.com, George Soros said that there is a market crisis that has been created by China. He added that from his long business markets experience and expertise he has noticed seen signs of the current crisis coming out like 2008 one. George Soros said that the consistent rise of interest rates in third world countries and the collapse of stocks trade in Asian markets are the same indicators that were seen in 2008. He adds that currently its even worse, as Europe won’t be able to try and rectify the situation this time as previously. George Soros says that Europe is already in a turmoil of crises and it is currently economically weak. He adds that the Euro itself is diminishing in value, and the region has to achieve unity if it hopes to revive itself.
In recent years I have become very fascinated with Igor Cornelsen and his wonderful investment tips. I was nursing a failing portfolio back to health, and the tips that have been given by Igor Cornelsen have made it much easier for me to build up a healthy portfolio that is diverse.
I do not know if I would have ever even considered Brazilian stocks if it wasn’t for Cornelsen. I didn’t know anything about the import and export industry there. To the contrary, the only thing that I knew about in Brazil was the love of soccer and the beautiful beaches. I had experienced Brazil as a tourist. I have never considered Brazil as an investor. It was Igor that talked about the export industry that is so big in Brazil. All of the natural resources that were available made this the perfect country for investing.
Igor Cornelsen knows a lot about Brazil because he lived in Latin America for so many years. His experience has proven to be invaluable to me and my family. I know that there is red tape to be expected with some of the investment opportunities, but Igor prepared me for all of that. I didn’t become frightened by the red tape that is involved in some of the investing because Cornelsen had already mentioned that.
The thing that I like the most about Igor Cornelsen is his willingness to give the free advice. He has an investment consulting firm, but he has given some of his best tips away for free. I think that this has a lot to do with his passion to see other people making the most of their investment opportunities.
Another thing that I really like about Cornelsen is his ability to become a leader on brandyourself.com that takes his own advice. There are many investors that may be preaching one thing and doing something different to preserve their own financial standing. Cornelsen is not one of those investors. He teaches from principles that he applies to his own life. Cornelsen also investors in those stocks that he encourages other people to pursue.
I didn’t know much about Brazilian stocks, but I took a leap of faith based on recommendations that Igor Cornelsen on imgfave has made over the years. I have found myself in a place where I have been fortunate to reap great returns from the Brazilian index file. This falls in line for what Igor Cornelsen mentions when he tells people not to put all of their money into one particular stock. With an index fund I am investing in a lot of different Brazilian stocks. This is a wonderful addition to my collection of stocks, mutual funds and 401K investments for retirement.