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Taking Control of Finances is Necessary

Being in debt is not a great feeling. People struggle with financial problems, and they don’t always know how to get out of the cycle that is debt. It is not the easiest thing to find someone who can help you in this situation. However, it is important to reach out and ask for help because debt can be quite challenging complicated to deal with.

The most important thing when you are in a terrible situation is to speak out as soon as you think the matters are becoming sour. Don’t wait till something else goes wrong and don’t just read freedom debt relief reviews but reach out to start solving the issues. Once you start paying attention to freedom debt relief reviews it might inspire you to look at the situation and find a solution that works well.

It will simply help you create a strategy that would allow you to move on from the situation. After reading a couple of freedom debt relief reviews you can start making the steps that will decrease the stress levels in your life. Planning finances is not an easy task and sticking to a plan is even harder. When there is someone who can sit down with you and write down the different things you have to spend money on as well as the amount of money you bring in and help you to find the balance between two, it makes the task much easier.

If looking into Freedom Debt Relief Reviews doesn’t help, try talking to people who already had help with their financial trouble. It is easier to kick off a saving spree if someone else joins in and that allows you to keep on the track and get rid of the debt in a controlled manner. You will not be missing out in life but will instead regain control on the one thing that might have caused nightmares before. Finances tend to have a long-lasting impact on people’s life and comfort, so sorting them out makes everything better in the long run even if it is hard at first. Give it a try.

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Jeffrey Schneider – Founder and CEO of Ascendant Capital

Jeffry Schneider is the founder and chief executive of Ascendant Capital. He founded this company back in March 2012. He is a creative, dedicated and result-oriented man. Jeffry Schneider has acquired the skills of alternative investment ideas and analysis of managers to run his 5 year company with huge successes. Ascendant Capital is an alternative investment outfit that raises money for sponsors of alternative investments. It works with banks, brokerage firms and family offices. Alternative investment is the new way to raise a company’s capital base.

Under Jeffry’s auspices, Ascendant Capital has been able to raise close to $1 billion for its clients. The company now has an ambitious goal of raising an average of $50 million every month. With Jeffrey on top, the goal can be achieved. He holds a Bachelor’s of Science Degree from the University of Massachusetts Amherst. He has put to use his skills previously at Axiom Capital Management since March 2002 till May 2004 after which he did the same at Paradigm Global Advisors till January 2006.

Apart from having investment skills, Jeffrey is also a fitness enthusiast. He attends the iron man, half iron mans and marathons. He also likes to travel and has toured Europe, Asia and South America. He hails from Manhattan and now resides at Austin, Texas. He is passionate about charitable work and is working with organizations such as the Gazelle Foundation. He has also previously worked for Alex Brown, Merrill Lynch and Smith Barney.In conclusion, Jeffrey Schneider is an alternative investment kingpin who prides himself in founding and successfully leading Ascendant Capital LLC to success. He also loves charitable work. He originally comes from Manhattan but now resides in Austin Texas.

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Financial Adviser David Giertz Puts Social Security Myths to Rest

In an interview with Wall Street Journal Wealth Adviser, David Giertz recently talked about the results of a Nationwide Financial survey, which suggests that financial advisers are not doing a good job of advising their clients on social security. According to David Giertz, from a retention standpoint, this is disastrous, since the same survey indicated that 4/5 of clients would consider switching advisers if the social security aspect of their planning process inadequate.

David Giertz added that the reasons for this problem are complex. Firstly, acquiring a deep knowledge of social security is no small feat as the Social Security Handbook contains a whopping 2700 regulations for an adviser to study and understand. Unfortunately, social security is an essential part of the retirement planning puzzle nonetheless. Social security benefits on Bloomberg will make up to 40% of the average client’s retirement, and an adviser’s ignorance on the subject could be costly. Failure to properly time filing for benefits could cost retirees up to 300,000 over the course of 25 years.

David Giertz is a financial adviser with Nationwide Financial. Based in Dublin, Ohio, Giertz is highly sought after as an expert in the media. He was recently interviewed on CNBC about how most people do not pay enough attention to social security when it comes to retirement planning on Facebook. According to Giertz, the fact that private retirement pensions are becoming less and less common means that maximizing social security benefits is essential.

Giertz also pointed out in his interview on that there are many misconceptions about taxation and social security. It is a myth that social security benefits are tax-free. On the contrary, they are subject to taxation and there is no upper limit, although only the first 85% of your benefits are taxable.


 Equities First Holdings Identifies Stock As Loan Collateral Trend

Equities First Holdings, a global lender in alternative shareholder financing solutions, has identified a trend that’s growing among borrowers. They are securing working capital using stock as loan collateral. Stock-based loans offer an attractive alternative for some investors as banks and other financial institutions have begun to tighten lending criteria.


Equities lending is now a popular alternative for businesses to get the capital they need. Equities lending offers more certainty for the transaction’s entire life. The non-recourse feature of most stock-based loans allow borrowers to walk away even if the value of the stock depreciates and owe the lender no further obligation while keeping the proceeds of the initial loan.


Stock-based loans and margin loans use securities for collateral. Some people consider them to be synonymous. However, there are marked differences. Borrowers must pre-qualify for margin loans, they have variable interest rates, the lender may require a specific use for the money and a 10% to 50% loan-to-value ratio should be expected. Plus, should there be a margin call the borrower’s collateral may be liquidated by the lender without warning.


Stock-based loans have fixed interest rates of 3% to 4% and 50% to 75% loan-to-value ratios. Borrowers can use the money for any purpose and they are non-recourse loans. While any financial transaction has associated risks, historically stock-based loans were avoided because of problems with unscrupulous lenders.


Equities First Holdings is an efficient, secure alternative source of capital. Their mission is to provide their customers what they need to meet their professional and personal financial goals. They’re known for integrity and transparency and rely on counsel from the leading regulatory, legal and trading institutions. They deliver the maximum benefit with as little risk as possible.


Founded in 2002, the company provides alternative financing solutions and supply capital for their clients against publicly traded stock. They also provide capital against shares that are traded on worldwide public exchanges. To date they’ve completed over 650 transactions valued over $1.4 billion in low fixed interest rates and high loan to values for their customers. A global company, EFH has offices in nine countries.


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