Economic Hardships Facilitated The Increase Of Alternative Lending At Equities First

According to some monetary reports published in regard to the rise of economic crisis, the financial crisis roots could be traced primarily and directly to affordable housing policies that were initiated by Urban Development (HUD) and US Department of Housing in the 1990s and huge buying of risky loans by government-sponsored entities. In the early & mid 2000s, the USA government called several times for assessment of soundness and safety of GSEs and their extending portfolio at subprime mortgages. However, the hearings never led to any formal investigation or new legislation of the involved government agencies; Freddie Mac and Fannie Mae as several members of the committee refused in accepting the report and rather rebuked OFHEO for their regulation attempt. Many believe that was an early indication of the systemic danger that the subprime growing market posed towards the US financial system and that went unheeded. Out of the great effects of financial institutions and lending sectors, borrowing in conventional institutions has become hard with banks and most financial institutions having suffered a blow during the recession. Today, Equities First has taken the chance to fill the gap by furnishing potential investors (small companies & individuals) with stock-based loans.

To some analysts, the delay caused in 1995 between CRA rule changes and subprime lending explosion is not astonishing and does not vindicate the CRA. According to them, there existed two intertwined causes in regard to the crisis. That is the 1995 underwriting standards relaxation and ultra-low interests’ proportions that were spearheaded by the Federal Reserve following the September 11, 2001 terrorists attack. Both factors had to be kept in place prior to the crisis happening. Other critics pointed out that the publicly reported CRA loan pledges were massive making at $4.5 trillion between 1994 and 2007. Equities First is a firm of its kind with its services continuing to shine all over the world. Equities at LinkedIn . for more .

Teachings about Life by Eric Pulier

Some people were born to help other people. Many may pass unnoticed while some get recognized for their services to the society. This is the life that Eric Pulier has lived since he was a small boy. Driven by the desire to make the world a better place, Eric Pulier has gone on to establish many ventures that help him achieve his dreams. Today, Eric Pulier can be referred to using many titles. He can be referred to as a philanthropist, entrepreneur, technologist and published author. Eric Pulier is also a columnist and a public speaker.


Eric Pulier currently resides in Los Angeles with his four children. Other than the titles that make him money, he has donated some time and resources to the Painted Turtle Foundation and XPRIZE Foundation. The first foundation aims at helping children suffering from chronic illnesses while the second one is a foundation that funds promising ideas in the United States. Since he finished school, Eric Pulier has been involved in the foundation of more than 15 companies that include Media Platform, Digital Evolution, Desktone, SericeMesh and US Interactive. Other firms that he has had a hand in include Enterprise Cloud Leadership Council among others.


Eric Pulier says that he tries to get solid rest at night so that he can have productive days. He, however, says that this is a difficult task owing that there are four kids in the house. To plan for his day, he wakes up early and tries to read before the children wake up. Eric Pulier gets his ideas from writing keywords of every good idea that crosses his mind. He says that if he fails to write down the thought, it might take him a long time to encounter such idea again. Eric has been fascinated by the developments in technology, especially concerning genome editing. Critical thinking is one trend that keeps Eric Pulier innovative and engaged.


Asked if he has something to regret, Eric Pulier says that he is contented with his life and that he has learned from every mistake. He, however, feels that he has been let down by some evil people who pretended to be his friends.

Renowned Law Expert, Professor Sujit Choudhry

From an interview conducted by CEOCFO, much was revealed from Sujit’s authority on Comparative Constitutional Law. Sujit Choudhry said that his center specializes in generating and mobilizing support for the constitutional building. The Center also gathers a pool of international experts and guides them on completing research projects that result in a number of policy options for practitioners. He reveals that his areas of interest include constitutional designs and the interpretation of constitutional transitions. Sujit advises the young scholars in the public law that they may be facing the greatest challenge in the liberal democratic constitution and only those who combine rigor, and political science will conquer. For a related article, click on this.

Professor Sujit Choudhry is the Founding Director of the famous Center for Constitutional Transitions, refer to for more. The center has a track record of service delivery and has worked with close to fifty law experts from more than twenty-five countries. The center partners with multilateral organizations and Non-Governmental Organizations. Sujit Choudhry is the I. Michael Heyman Professor of Law at the University of California where he serves as a dean. Prior to this position, he served as the Professor of Law at the New York University and as a chair at the University of Toronto. More of this on

Professor Sujit Choudhry is recognized internationally for his expertise in constitutional laws and comparative politics. He has spoken in a number of countries, and he has participated in the constitution-building processes of countries such as Egypt, South Africa, Nepal, Ukraine, Lesotho, and Libya. He is also a scholar and has received Law degrees from Harvard University, Oxford, and the University of Toronto. Along the path of his career, Professor Sujit Choudhry has published over ninety reports, articles, working papers, and book chapters. He is also widely known for being a member of the Executive Committee of the International Society of Public Law and the Scientific Advisory Board of the Constitutional Court Review. More of Sujit on

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How Sujit Choudhry Became An Expert Of Constitutional Law?

Sujit Choudhry is one of the founding directors of a Center known as Constitutional Transitions. This center produces and mobilizes knowledge that would be for constitution building through assembling global networks of professional to complete research projects which provide a policy that working by evidence to practitioners. This center currently partnered with a worldwide network of organizations that are multilateral, many NGOs and a huge number of educational institutes.  To learn more about Choudhry and his works, click

Sujit Choudhry with the Global Institute for Democracy & Electoral Assistance started co-leading few worldwide collaborative projects that would specifically deal with the improvement of constitutional law to help individuals and nations to prosper once again and enjoy the liberty to its fullest. Sujit Choudhry is also changing the world by writing a different article on different niche so that people and nations can know the importance of constitutional law, in which he has expertise so that they wouldn’t fall due to lack of knowledge about this law.  Related articles on

His work in this field is remarkable, and he always says that what he is doing is not for anyone else for his inner satisfaction. He wanted to do something that would be helpful for both the individual and companies to know the importance of constitutional law so that if for some reason they had to face such circumstances then at least they know what should be done next to proceed with efficiency and precautions.   Read how he tackles questions about his works, check

Important Article here.

Sujit Choudhry, since his college life he was a fan of the law, and his love and dedication made him what he is today, an expert in constitutional law. He already helped a huge number of individual, companies, and countries and never rejects any case due to the funding problem. As mentioned earlier in this post, Sujit Choudhry is not doing that as a business, but he is doing that so that he can satisfy himself that at least he is playing his role for the community, check for additional articles.. And due to his dedication and devotion, people trusted him and reached him directly when the need assistance about constitutional law and this is an achievement which is not easy to achieve.

Visit to read Choudhry’s blogs.

Rona Borre Creates History With Her New Company

Rona Borre went to college, graduated and worked very successfully for a large staffing company where she broke every sales record that had ever existed for that firm. Thinking that she had accomplished all that was possible with that company, she formed Instant Alliance, her own staffing company in 2001.

She started with just her bulldog Henry as her companion as she worked initially from a spare bedroom in her Chicago condo. But now, 15 years later she is the CEO of one of the fastest growing firms of her kind in the United States. From her downtown Chicago office she and a full staff of high-powered account executives, she hires professionals in the technological and finance areas, for these are the types that growing companies need to get them to the next level.

One thing she learned to do early in the staffing industry is to interview the corporate leaders in the hiring company to infinity if necessary, to determine who and what kind of new employee fits the bill. The culture of the company is very important as well. Then Borre and her people comb the bushes for just the right candidates. This method works well. Try clicking for an interesting article.

Watch and learn more about Rona Borre and Instant Alliance

The ratio of interviews to hire is 3:1 and only 1% of those hired ever leave, and this figure covers all 15 years of the history of Instant Alliance. This figure is unheard of in the industry.  Follow this important link.

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David Giertz’s Rise In The Financial Services Sector

After earning an Executive MBA from the University of Miami, David Giertz’s illustrious career in the financial services sector began. Starting as an investment advisor with Citicorp Investment Services, Giertz was a top producer and, recognizing his ability, Citicorp promoted him to vice president and then president of their Citibank Investment Services program in Florida. After only a few years, Giertz was promoted again to VP of Citigroup and then executive VP of sales, since he consistently exceeded expectations.

After a decade at Citicorp, David Giertz moved to Nationwide Financial, where he accepted the regional VP of the Southeastern United States position. Again, he quickly moved up the ladder to become president of Nationwide Financial’s Sales and Distribution Organization. Giertz’s success comes from hard work and his continual efforts to enhance his skills. As a graduate of The Buckley School of Public Speaking, Wharton’s SIA Leadership for Managers program and other career related classes, Giertz honed his skills so that he would continue to exceed his employer’s revenue goals on

After three decades in the industry, Giertz decided to become a business coach. Certified by the World Association of Business Coaches, Giertz’s competencies and business experience make him highly qualified to advise other professionals. In an interview with ideamench, Giertz explained that his days primarily consist of calls and meetings to discuss strategies with his clients; however, he did note that customers often have excellent insights on As for coaching himself, Giertz finds that he is more productive when he carves out a block of time for emails; otherwise, they would overwhelm him.

Learn more about David Giertz:

Brad Reifler – CEO of Forefront Capital Management

With several years of experience as an investor and business person, Brad Reifler has encountered accomplishment with various organizations situated in the United States. In the wake of spending his initial days operating his journey to the top, he has now effectively established Forefront Capital, LLC.

The expert autonomous vocation of Reifler’s begun in the beginning of 1980s when he established Reifler Trading Company. That firm oversaw a huge number of dollars in various accounts and after that developed to information, dissemination, institutional research, execution services, and world derivative advisory. RTC turned out to be among the biggest autonomous prospects and within 2000 Brad Reifler traded the firm to Refco Inc., the globe’s biggest futures organization.

Prior to trading the organization referred after him, Reifler was extending himself as an expert in monetary administrations and earning trust universally. He started Pali Capital in 1995, the sell-side broker dealer that focuses in equity markets. Learn more about Brad Reifler:

According to Bloomberg, Brad Reifler caught the development of hedge funds through forming of a much differentiated plan. He didn’t exhort the assets on what to purchase or offer however took their thought and joined top research with credit examination and subordinate structures.

That enabled him to train sales traders on the way of articulating the “packaged” system and execute it also. Amid the 13 years as Pali CEO, the development was amazing. The organization did well in abundance of $1 billion of commission revenue; give work to more than 300 individuals; and had workplaces within four continents.

Right now, Forefront Capital, LLC is the concentration for Brad Reifler. With various auxiliaries including Forefront Partners, and Forefront Advisory, LLC, Reifler is now fully committed as the CEO and Founder of the company.

Since beginning the organization in 2009, once more he has operated to establish an exceptionally separated product offering. On account of the considerable number of auxiliaries under the Forefront body, Brad Reifler can draw in enlisted investment advisers, business pioneers and leading investment bankers to the firm.

The Forefront Community is an essential viewpoint to achievement of the firm. Principals in the Forefront’s through over 30 years on Wall Street have pulled in various influential and respected business pioneers to its platform.

Arthur Becker has Helped Thousands of People

While Arthur Becker is a philanthropic person, he is by no means a philanthropist. He has not worked with many people on the options that they have and this has been something that he has really been able to do on the back burner up until this point. Now that he is working with the options that he has at Madison Partners, Arthur Becker is going to be able to help many more people with the problems that they are having. The ability that he has to be able to do more with the real estate and biological technology terms that he has will help him to make the lives of many more people happier. He is going to take his expertise and turn it into something that people are actually able to benefit from in the present instead of just having the options available to them in the future the way that he did with information technology.

When Becker first signed up to work with Madison Partners, he had worked for other companies. He is a veteran technologist and has been able to learn the different ways that people are able to benefit from technology. Since he worked in both biological and information technology, he considers himself an expert in the subject of technology. He is also able to do more with the options that he has so that he will be able to see the major differences in what is available for him to offer to people. It will help him to make better choices with the options that he has. Click here to know more.

The technology-related changes that Arthur is going to bring to the different places where he is a part of will all depend on the options that he has for himself and for everyone one else who he does business with. He sees the opportunities at Madison Partners as a way for himself to improve his career and to help people while he is doing so. There are many good things that are going to come as a result of him working with Madison Partners as a managing member.

Arthur Becker on Linkedin.

Todd Lubar Is Now One Of The Biggest Players In Property Development

To survive in the real estate sector, one has to possess entrepreneurial traits, drive, and person. Let us discuss some of the most successful businessmen in the real estate sector today.

Arthur Becker is the top manager at Madison Partners, LLC. The firm concentrates in sectors of the economy such as property development. Arthur is also a member of the management team of Bio-Tech Ventures.

Beckers once served as the Chairman & Chief Executive Officer of Zinio, LLC. Before his stint at Zinio, Arthur Becker had worked as the CEO of NaviSite. NaviSite is listed on the NASDAQ. The company specializes in providing internet access solutions. Arthur has also had the privilege of working with the Vera Wang enterprise.

Speaking to Ideasmench, Arthur Becker attributed his entrepreneurial success to a balance between passion and personal drive with a well-thought plan. Startups present a host of new challenges that require a critical mind that works with an individual drive. The businessman has tried his hand in several ventures and in each venture he has sought to avoid wrong decisions made in the previous one.

Another success story in the property development market is the property development expert Todd Lubar. Todd made an entry into the industry in the year 1995. He derived satisfaction in helping people acquire residential and commercial houses. This trait made him resolve to settle on property development and finance as his career. Earlier in his career, he spent time building relationships with the sector’s leaders, agents, and financials.

In the wake of the new millennial, he secured an equity position with the lender, Legacy Financial Group, affording himself an avenue to access funds. In the year 2002, Todd Lubar founded Legendary Properties, LLC.

Legendary Properties, LLC has been able to propel him to success. The company specializes in purchase and rehabilitation of urban residences ranging from single family houses to mixed establishments.

His clientele has grown steadily, and his good working relationship with lenders has enabled him to secure a reliable line of credit with banks. With a real market and access to funds, Todd Lubar’s property development business can only keep growing.

Equities First Holdings, The Pioneer Of Stock-based Loans.

Equities First Holdings is a worldwide creditor and a leader in alternate stakeholder financing solutions. It offers commercial and non-financial solutions to companies and individual investors alike. They provide risk evaluation and take stocks, bonds, and treasuries as the guarantee. They also give non-financial solutions to individuals with high net-worth.

The company is seeing people transitioning from the conventional borrowing system to margin and stock-based loans. The pull is because the conventional way of borrowing which involves banks and other financial institutions have raised their lending criteria.

EFH sees a new brilliant way to attract individuals who need to raise capital quickly and don’t meet the qualifications of conventional ways. They have done so by allowing a borrower to use his/her stocks as collateral for the loan.

People think of stock-based loans and margin loans as identical, but this isn’t the case. When applying for a margin loan, the borrower must be pre-qualified and may require the money for an unambiguous purpose. Furthermore, the financial institution may liquidate the debtors’ assets at any time without warning during a marginal call.

Compared to stock-based loans, marginal loans have a lower loan-to-value ratio. The interest rate of stock-based loans is fixed and small. It can also be used for any purpose the borrower wishes. The most brilliant aspect of stock-based loans is that they are non-recourse. It means that the debtor can walk away without any duty at any time, albeit the stock value has fallen. Equities First at LinkedIn .

According to Al Christy Jr., the CEO of EFH, stock-based loans have traditionally been ignored due to the huge number of dishonest lenders. They have failed to return bonds upon maturity, cast off borrowers’ shares into the open market and failed to address other issues. However, Equities First Holdings is built on the principles of honesty and transparency. They also seek the advice of trading, regulatory and legal institutions.

There are many investors whose businesses fail to take off due to lack of capital. EFH is the solution for them since it’s efficient and quick. They offer margin stock-based loans like no other institution as their process of qualification is simple. As long as the debtor has sufficient shares to put up collateral, then he/she qualifies for a loan. The company also has over a decade’s worth of experience and has served thousands of clienteles. for more.