Securities Lending Provides Quick & Easy Capital

What is it that you want to accomplish? Whether you want to purchase real estate, buy a new car, RV or luxury yacht, pursue personal or business investment opportunities, exercise employee stock options, or meet other business or personal financial goals, consider securities lending.

Securities lending (also known as stock loans) are used by forward-thinking investors who want to retain the future ownership of their assets as well as leverage the present value of their securities for immediate cash needs.

Securities lending offers non-recourse / non-purpose loans based upon the value of actively trading securities you already own.   This lending program provides you with an extension of credit based on eligible securities that you pledge as collateral.

By borrowing against your assets rather than selling them, you can keep your investment strategy on track and defer any capital gains taxes that might result from selling securities to meet your financing needs.

Stock loans have NO personal liability – they are a non-recourse loan secured by your securities. If the borrower defaults, he/she keeps all the loan proceeds and the lender’s only recourse is to keep the pledged collateral.

Stock loans are non-recourse – the borrower’s financial liability is limited to the collateral pledged for the loan. Borrower has the right to walk away from the loan (with no adverse credit reporting) if the value of his securities falls below 80% of the loan amount.

Stock loans are quick & easy – simple straight-forward paperwork, with no fine print. Just your stocks acting as collateral for your loan.

Use the cash for any worthwhile purpose!  Buy a home, buy a business, RE investment property, pay-off a mortgage – use it for virtually anything you desire.

PROGRAM HIGHLIGHTS –

• Simple & Quick – NO Credit Check / NO Income Verification
NO Upfront Fees / NO Closing Costs / NO Personal Guarantee

• Loans are “Non-Purpose” – loan can be used for virtually anything borrower wants to accomplish (personal or business)

• Loans are “Non-Recourse” – giving the borrower the opportunity to simply “walk away” if the collateral falls below a set floor amount

• High Loan-to-Values – up to 80% LTV (depending upon security); which is much higher than banks and brokerage companies can offer

• Loans are Interest Only – principal payment at maturity; otherwise loans can be refinanced or extended

• Low Fixed Interest Rates – usually between 2% to 4%

• Loan Term – minimum of 3 yrs; also 5 yr / 7 yr / 10 yrs

• Quick Funded – usually within 5 to 7 business days

• Borrower Maintains Beneficial Ownership – borrower keeps all upside market appreciation.  In addition, borrower receives credit against their interest payment for all dividends or interest on bonds.  An added benefit is that the lender is responsible for taxes on the dividends during the loan term.  It is a loan (not a constructive sale) per section 1058 of the Internal Revenue Code.

• This is NOT a Margin Account Loan – A securities based loan is not a “margin account loan”.  These loans have significant advantages over conventional margin loans. See ICON’s website for detailed information.

Authored by - Randall Farr, Managing Director – ICON Commercial Lending, Inc

Contact Randall Farr at 866-956-5554, ext 115

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(Note: Borrowing with securities as collateral involves certain risks, including the possibility that you may need to deposit additional securities and/or cash in the account to meet a maintenance call and that securities in the account may be sold to meet the maintenance call. Proper management of your account and a thorough understanding of the conditions that may affect your investments will assist you in effectively using the margin lending program.)

The short sellers put up collateral, agreed to pay dividends, and paid a small amount of interest. These middle-men companies took a big slice of the earnings.  The 401k funds got only a little,  but did not complain because they thought it was essentially a risk free source of extra money.

Unfortunately, the middle-man companies overseeing the transactions got greedy, and started investing the collateral in commercial paper, instead of safer T-bills.  When the financial crisis hit, and Lehman Brothers went bankrupt, there was a panic in the commercial paper market, and some of the invested collateral suffered losses.

These Wall Street firms then passed the losses onto the funds.  Ultimately, it was the “little guy retirees” who are paying the price.  Effected S&P 500 funds, for example, lagged their benchmark index by 11 basis points (0.11%) before fees.  Mortgage-backed funds lagged by up to 53 basis points (0.53%).

Even though these losses caused by poorly invested collateral are insignificant compared to the overall loss in the mutual funds (e.g. the S&P 500 index lost 36% in 2008), they still angered some investors – who have filed class action law suits.

Overall, this situation seems to be limited to mutual funds.  People with brokerage accounts who buy individual stocks do not have to worry.  All the major brokerages keep 100% of any fees from lending securities to short sellers.  In return, they cover any losses.

Today stock loans are very popular.   Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention – securities based lending.

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Securities Lending is a long-established process.  In fact, hundreds of successful stock-lending transactions have been executed involving the American Stock Exchange (AMEX), National Stock Market and Small Cap Stock Market (NASDAQ), New York Stock Exchange (NYSE), Over-the-Counter Bulletin Board (OTCBB), and certain foreign exchanges.

For those with money invested in marketable securities, there is a safe way to leverage their assets and take advantage of the golden opportunities now available to cash-in on terrific RE investment opportunities which are available today.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, securities lending (also known as stock loans) can be a terrific program.

Securities base loans are –

·         Simple & Quick – NO Credit Check / NO Income Verification / NO Upfront Fees / NO Closing Costs / NO Personal Guarantee

·         Loans are “Non-Purpose” – loan can be used for virtually anything borrower wants to accomplish (personal or business)

·         Loans are “Non-Recourse” – giving the borrower the opportunity to simply “walk away” if the collateral falls below a set floor amount

·         High Loan-to-Values – up to 80% LTV (depending upon security); which is much higher than banks and brokerage companies can offer

·         Loans are Interest Only – principal payment at maturity; otherwise loans can be refinanced or extended

·         Low Fixed Interest Rates – usually between 2% to 4%

·         Loan Term – minimum of 3 yrs; also 5 yr / 7 yr / 10 yrs

·         Quick Funded – usually within 5 to 7 business days

Click here for information about Securities Based Lending

The basis for technical analysis is the belief that stock prices move in predictable patterns. All the factors that influence price movement – company performance, the general state of the economy, natural disasters – are supposedly reflected in the stock market with great efficiency. This efficiency, coupled with historical trends produces movements that can be analyzed and applied to future stock market movements.

Technical analysis is not intended for long-term investments because fundamental information concerning a company’s potential for growth is not taken into account. Trades must be entered and exited at precise times, so technical analysts need to spend a great deal of time watching market movements.

Investors can take advantage of both upswings and downswings in price by going either long or short. Stop-loss orders limit losses in the event that the market does not move as expected.

There are many tools available to the technical analyst. Literally hundreds of stock patterns have been developed over time. Most of them, however, rely on the basic concepts of ‘support’ and ‘resistance’. Support is the level that downward prices are expected to rise from, and Resistance is the level that upward prices are expected to reach before falling again. In other words, prices tend to bounce once they have hit support or resistance levels.

Charts

Technical analysis relies heavily on charts for tracking market movements. Bar charts are the most commonly used. They consist of vertical bars representing a particular time period – weekly, daily, hourly, or even by the minute. The top of each bar shows the highest price for the period, the bottom is the lowest price, and the small bar to the right is the opening price and the small bar to the left is the closing price. A great deal of information can be seen in glancing at bar charts. Long bars indicate a large price spread and the position of the side bars shows whether the price rose or dropped and also the spread between opening and closing prices.

A variation on the bar chart is the candlestick chart. These charts use solid bodies to indicate the variation between opening and closing prices and the lines (shadows) that extend above and below the body indicate the highest and lowest prices respectively. Candlestick bodies are coloured black or red if the closing price was lower than the previous period or white or green if the price closed higher. Candlesticks form various shapes that can indicate market movement. A green body with short shadows is bullish – the share opened near its low and closed near its high. Conversely, a red body with short shadows is bearish – the stock opened near the high and closed near the low. These are only two of the more than 20 patterns that can be formed by candlesticks.

Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention –securities based lending.

Click here for information about Non-Purpose, Non-Recourse Loans

For those with money invested in marketable securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available.  Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, this can be a terrific program.

Click here for information about Securities Based Lending / Stock Loans

That’s not quite true.  In fact, you may have heard about what many are calling the Next-Big-Wave in financing – securities based lending. Stock loans, which are Non-recourse loans, are currently available at up to 80% LTV, based upon the security being used as collateral.

Securities Lending is a long-established process.  Hundreds of successful stock-lending transactions have been executed involving the American Stock Exchange (AMEX), National Stock Market and Small Cap Stock Market (NASDAQ), New York Stock Exchange (NYSE), Over-the-Counter Bulletin Board (OTCBB), and certain foreign exchanges.

Click here for information about Non-Purpose, Non-Recourse Loans

Stock loans make money available for those interested in taking advantage of investing in today’s Real Estate market.  For those people with money invested in marketable securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available.

Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago and stock loans can be used to purchase RE or for any other use – securities based loans are non-purpose / non-recourse loans.

Stock loan lending programs are designed for forward-thinking investors who wants to retain the future ownership of their assets as well as leverage the present value of their securities for immediate cash needs.

Get the facts about securities lending –

Click here for information about Securities Based Lending / Stock Loans

On the other hand, in determining whether or not we’re actually experiencing a world-wide credit crunch, let’s start to answer that question by offering a definition of what is a credit crunch.  Here’s one definition of a “Credit Crunch”, which claims private bankers are the real source of today’s financial problems that have evolved since the establishment of the Federal Reserve System.

“A panic-driven massive withdrawal of credit from all viable sections of society where today credit is desperately needed by the banks who have previously been engaged in the unsustainable, irresponsible and unfounded lending of fictitious money in massive amounts; largely to people who have no means of ever repaying it as agreed.”

With that said, you may say that’s quite an indictment of banks and the overall banking system, so let’s take a closer look at what triggered today’s credit crunch, which has now grown into a full-blown global recession and is clearly responsible for ruining countless peoples’ lives.

As a starting place, you must understand that “money is created by the banking system out of nothing”.

This is wrong, but unfortunately it’s the way it is.  Money is created when banks create debt instruments that are lent at interest to all sections of the community, including governments, international institutions, nationalized industries, big businesses, small and medium sized businesses, other banks  (big and small), insurance companies, hedge funds,  and, of course, private citizens.

This debt is mostly not considered non-repayable because any institution or anyone borrower who manages to repay this borrowed money, plus interest, does so at the cost of other borrowers not being able to perform.

Traditionally governments, even with their power of taxation, have not been able to repay the money they have borrowed.  The core lending is shoved into a pile and called the “national debt” or “treasury bonds”, or something like that.

Because this debt is unrepayable, the whole system is unworkable in the long run.  Sure, it can appear to be working for long periods, while lending is increasing and the amount of money in circulation is therefore keeping fairly constant in spite of large amounts being withdrawn through loan repayments.

But after a number of years the system always threatens to collapse, because there is a limit to the amount of “phony money” the banks can lend before their stockpile of real money – which was supported by gold in former times, now more likely treasury bills and other securities – threatens to dry up and destroy the solvency of the banks themselves.

Indeed, a large number of banks have collapsed in spite of calling a halt to further lending and in spite of billions having been pumped into the banking system by leading governments such as the United States and Great Britain.  Today, in spite of President Obama’s efforts with massive bail-out money being provided to American banks and recent stock market rallies, there are banks in the United States which are still folding.  Where is this heading?

The only people benefiting from all of this are the really huge banking houses such as the Rothschild dynasty and J.P. Morgan.  Today, even Goldman Sachs, who is now again profitable and still paying its fund managers unreasonable and obscene bonuses with taxpayers’ money, is in very dangerous waters.

It’s obvious from even a cursory survey of this situation that the system of having private bankers control the currency, which is an absolutely “control lever” over any economy, is sheer lunacy.  Today, private bankers use the incredible power which has been vested in them for centuries for their own enrichment and power, and the evil “hidden agenda” they pursue in their quest for global domination.

Consider this U-Tube video, which shows Alex Jones’ interview with the late Aaron Russo, producer of the movies “Trading Places” & “America: Freedom to Fascism” where Rocefeller reveals some startling details about the 911 FRAUD, the CFR, the global elite, and the New World Order to Aaron Russo and totally exposes their true agenda for world wide  domination by the global elite resulting in a New World Order.

You MUST SEE this telling video.  It will reveal some astonishing little know facts about how our lives are being manipulated and contolled by the global elite.  This video will shock & astound you.

In Great Britain private bankers have had this power unopposed since 1694, when the UK central bank, the Bank of England, was founded.  It kept its name even after the United Kingdom was formed from the union with Scotland and Ireland some years later.

In the United States there were several attempts to impose a central bank on the new republic early in the nineteenth century but each time these attempts were eventually rejected.  Ultimately they got their way.  In 1913, on Christmas Eve, while most people were going home to their families for the Christmas holiday, a small group of criminal plotters let by Nelson Aldrich, a corrupt senator whose daughter married a Rothschild, managed to get the Federal Reserve Bill passed before only a handful of senators, and economically enslave the United States.

Since then, of course, the USA has suffered the Great Depression of the 1930s, numerous financial panics (which the Federal Reserve Act of 1913 was supposed to put an end to), and an escalating level of public and private debt.  The mighty economic engine of the United States has gradually been withered away and is now in serious danger of complete collapse.

Thus is the story, or a small part of it, so far. The worst of the current recession is shortly to come.

Today, most people do not understand where inflation comes from, how our money is printed, and who is in charge of printing our money.  To make it worse the average American does not even know what the Constitution says about our government and money.

To keep it simple, the United States Constitution says in article 1, section 8. “[Congress shall have the power..] To coin Money, regulate the Value thereof, and of foreign coin, and fix the Standard of Weights and Measures”.  The Constitution does not give Congress the authority to print paper money themselves, let alone delegate control over monetary policy to a central bank.

Before the mid-twentieth century our currency was backed by an asset, more importantly it was backed by gold.  For the longest time in our country the dollar was worth 1/20 of an ounce of gold.  After the Federal Reserve was created in 1913 our government went on a mission to not only eliminate the gold standard but confiscate the gold from its citizens as well.

So you may ask why, why would the government do that?  Why would they disregard the Constitution? Well it wouldn’t be the first time and probably not the last.  The simple answer to those questions is this: When an asset such as gold backs money, government deficit spending is severely limited. With the creation of the Federal Reserve we have given the government the ability to have money printed out of thin air and allowed bankers to “create money from nothing”.

Like G. Edward Griffin said, “if you give someone the power to create money out of thin air, don’t be surprised when they create money out of thin air”.  The world we live in today goes like this – the Federal Reserve prints our money and lends it to our government at interest, then this loan is guaranteed by the taxpayers.

It is not a coincidence that the income tax was created in 1913, the same year the Federal Reserve act of 1913 was passed by congress.  The Federal Reserve is a private bank held by private stockholders.  We cannot audit the Federal Reserve.  It is not owned or run by the taxpayers or the federal government.

Although I speak from a minority position which is not well understood by most people, I say “let’s end the Federal Reserve”.  Congress does have the power to do that and we should demand that they do it.

Below is some quotes and text. There is a Federal Reserve Abolition Act that was brought to committee. It is called The Federal Reserve Board Abolition Act (H.R. 2755).  It is still sitting in committee in congress. With our congressional system, for many bills, this is the closest they will ever come to actually being debated on the floor of congress.  For this to change, we the people need to write our congressmen and demand they co-sponsor this and take it out of committee

Quotes:

G. Edward Griffin quotes:

“Inflation has now been institutionalized at a fairly constant 5% per year. This has been determined to be the optimum level for generating the most revenue without causing public alarm.  A five percent (5%) devaluation applies, not only to the money earned this year, but to all that is left over from previous years.  At the end of the first year, a dollar is worth 95 cents.  At the end of the second year, the 95 cents is reduced again by 5%, leaving its worth at 90 cents, and so on.  By the time a person has worked 20 years, the government will have confiscated 64% of every dollar he saved over those years.  By the time he has worked 45 years, the hidden tax will be 90%.  The government will take virtually everything a person saves over a lifetime”.

Rep. Ron Paul to Congress:

“Abolishing the Federal Reserve will allow Congress to reassert its constitutional authority over monetary policy.  The United States Constitution grants to Congress the authority to coin money and regulate the value of the currency.  The Constitution does not give Congress the authority to delegate control over monetary policy to a central bank.  Furthermore, the Constitution certainly does not empower the federal government to erode the American standard of living via an inflationary monetary policy.”

“In fact, Congress’ constitutional mandate regarding monetary policy should only permit currency backed by stable commodities such as silver and gold to be used as legal tender.  Therefore, abolishing the Federal Reserve and returning to a constitutional system will enable America to return to the type of monetary system envisioned by our nation’s founders: one where the value of money is consistent because it is tied to a commodity such as gold.  Such a monetary system is the basis of a true free-market economy.”

This discussion begs a few serious questions, namely -

1.  What will come of the world’s financial systems?

2.  Is it true that the “global elite” actually desire to establish a “One-World Order” with complete power of every citizen’s ability to purchase goods and live a life free from financial slavery?

3.  Should the Federal Reserve System be abolished?

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Technological or software equipment includes new computer system, routing software, safety equipment and so on.

These types of equipment are generally very expensive and so the need for technology equipment and software financing arises.  However most of the traditional lenders may not be ready to finance technological equipment or software. This is due to their inability to understand the purpose and type of this equipment.  Therefore an expertise approach is required to understand the need for technological and software equipment.  There are some genuine financing companies that offer help to acquire these types of equipment.

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There are various categories of technology and software equipment. Therefore various options are allowed by financial institutions to get technology equipment and financing help. Audio visual equipment is one among them which includes cameras, sound equipment and so on. This equipment is really important for companies that specialize in audio video. Seeking the financial assistance of financing companies is required due to high price tags of this equipment

Safety and security equipment is essential for certain companies. These types of equipment include metal detector, alarm equipment, closed circuit TV, digital video recording, motion detector, security gate, fire suppression and so on. These types are vitally important for maintaining the personal safety and security. Due to its highest price ranges, most of the companies could not afford to buy it. But technology equipment and software financing makes it possible for almost all companies to acquire safety and security equipment.

Telecommunication equipment helps in effective business communication. Thanks to these types of equipment, many companies are functioning properly without any communication gap. Latest telecommunication equipment is available now which helps in effective communication. Broadcasting equipment, multiplex equipment, telephone system, transmitting equipment etc are really important for a modern office. However their price ranges are extremely high making it impossible to afford for small and medium companies. Technology equipment and software financing is the only best option to meet all the essential requirements.

Computer hardware is essential for most of the companies. Since their prices come down, most of the companies can get it easily. The data storage equipment, server, work station, network etc are vitally important for any business in today’s world. But the computer hardware has undergone constant changes. When the existing hardware becomes old, you need to buy a new one. This situation calls for the help of technology equipment and software financing.

Software financing is required to acquire the latest software. The traditional lenders would not be willing to provide financial assistance to buy the software. However accounting software, ecommerce software, manufacturing software, CAD software etc are essential for the business operation of most of the companies. In fact, every company requires certain type of software. Some of the reliable financing companies recognize the need for software financing and they offer essential help.

Since there are no embarrassing procedures for getting the technology equipment and software financing help, any company can apply for the financial assistance from the valid financing company.

Click here for information about Securities Based Lending / Stock Loans

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One’s usual options when in these situations is to use a credit card, to tap into savings or to use a payday loan, another term for a cash advance loan.  The first two options are sometimes not quite as desirable.  Credit cards tend to come with a lot of hidden fees and expenses and it’s very easy to forget to pay off a debt and to let it sit on the account and collect interest which ends up in that money costing much more than its initial value.  Of course, not all individuals even qualify for credit cards and this is another difficulty.

Tapping into savings has several drawbacks.  For starters, it represents establishing a very bad habit.  Tapping into one’s savings should always be a last resort when there are no other options available.  Hitting one’s savings accounts oftentimes carries penalties that make the cash very expensive, as well.  These fees are often far more than what would be charged by a payday lender to finance a small loan that allows one to get by temporarily until their regular cheek arrives.  Savings should always be left alone until one is truly in a dire situation.

A payday loan usually comes at a very small financing fee.  These lenders express this fee in terms of interest.  The interest figure itself will often seem very high.  This is because the loan is designed to be taken for a very short term which makes this necessary if the lender is to make any profit off of providing the money. Interest payments are reckoned by multiplying one’s loan amount by the interest by the time for which the loan is taken.  When one does this arithmetic, it’s usually apparent that the financing charge for a payday loan is very small, indeed.

Payday loan amounts are usually convenient for expenses such as utility bills, installment loan payments or credit card payments which will fall behind if one waits for their next check to pay the debt.  One will be able to borrow up to a percentage of their paycheck as determined by sate regulators and, in most cases, this total amount is more than one needs to get by for a couple of weeks.

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While Australia has not been completely sheltered by the economic downturn, it has weathered the storm quite well. There is a divide amongst experts as to how the property market will react in 2009 and 2010 in Australia. Most financial analysts tend to think that property values will fall from 5%-10%. Most agree, however, that an increase in value to the property market is not likely before 2011.

In the end, the Australian property market will be affected, either positively or negatively by four overriding factors: debt, employment, the global economy, and housing price stability. In reference to debt, the main issue that is facing the majority of Australian households is that the debt levels are at record highs. In a property market where housing prices are rising, the number of eligible buyers may drastically fall as people are financially unable to take on any more debt.

Employment is a very strong factor in whether the Australian property market will rise or fall. Unemployment rates are on the rise, but because there have been labour shortages in the mines, there has been work for those able to do manual mining labour. Unfortunately, due to the uncertainty in the economy, some businesses are protecting themselves by making full-time employees part-time, as this saves on health care and tax expenses. If the economy does not begin to strengthen, more business will have to move to measures such as this, in addition to redundancies and lay-offs.

The global economy, but specifically the economies of the US and China, needs to strengthen in order for the world to come back to financial order. Many countries are introducing stimulus plans to help revitalize their country, get spending under control, and to help bring financial strength back to their currencies. While the Australian property market will not feel the immediate affects of a strengthening US or Chinese economy, the medium term affects will help to maintain or increase property values.

In order to keep housing stability in Australia, interest rates have to remain low and repossessions must remain few. Banks that are working with their customers in order to allow them to keep their homes are helping bring back the economy. If banks repossess a majority of homes and hold on their books a large amount of overvalued, non-saleable stock, the market will surely fall.

Half way through 2009, the Australian property market has been able to maintain a solid ground. If employment can continue and the stimulus packages of other countries begin to kick in, the property market will remain strong. Although significant rises in the Australian property market should not be expected, a modest increase next year should be an attainable goal.

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Remember that lowered mid and non-qualified surcharges make up most processing expenses that may well be skipped.  For any factor that causes a credit card transaction downgrade, it sure contributes much to ballooning processing costs.

Being able to understand why you can benefit from having more than one merchant account will need you to consider the two general categories of merchant accounts.  When you have a customer paying with his card at a retail store, that transaction falls under card-present.

When you have a customer paying from a company’s web page through an internet credit card processing service, that transaction is card-not-present.  So what has this got to do with mid and non-qualified surcharges making you save cash with many merchant accounts?

Downgrades will cut the surcharges when you have two merchant accounts if your business receives fairly equal volumes of transactions under the two categories. That’s because a transaction will probably go down to the mid or non-qualified discount rate tier in cases when a card-not-present purchase is entered in a card-present account.

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With many merchant accounts, you can keep off soaring surcharges and downgrades simply by processing transactions under the appropriate account. Immediately considering to pay a higher rate combined monthly fees and discarding the possibility is the usual reaction to the idea of having more than on merchant account. On the other hand, this can easily be solved by getting all accounts with one merchant bank.

While it doesn’t happen very frequently, these banks and credit card processing companies may have technical difficulties resulting in on-and-off service. This translates to money lost as far as businessmen are concerned. When you have more than one account with different processors, you can avoid this downtime problem. But remember that what it takes to avoid these service disruptions by having more than one merchant account is still little compared to its benefits.

Besides, these disruptions won’t be happening too often and you will have to pay for every merchant account you maintain. Competition is usually the main challenge unless you become aware of the strategies of maximizing your sales while minimizing your expenses and this is applicable for every kind of business.

Having said that, it is not easy to keep up with all these. While the purpose of getting a merchant account is to allow for an efficient way to manage your finances, there will be techniques right within that you may explore to make way for an even higher level of efficiency, whether you have a retail or ecommerce merchant account to keep.

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