Agora Financial – Leading Independent Investment Company

Agora Financial is an organization that works with world-class examiners to guarantee that your funds are secure so you can carry on with the life you need. Agora Financial attempts to give budgetary information to its customers through print and online distributions, recordings, online workshops, phone calls and many other options. They work to guarantee that they can evaluate the market to help clients evaluate their potential savings and funds. Agora is 100% independently operated, which implies that they never acknowledge cash from different organizations or financial specialists and read full article.

Agora Financial has been in business since 1979. They announced that they became an LLC in 2004 where they’ve had the chance to beat the standard money related media viewpoint. They have been ahead of each money related history disaster, for example, the real-estate market crash and the bankruptcy disaster of many top of the line organizations. Their money related mastery and years of experience permitted them the chance to thrive through the harsh circumstances that the economy has experienced and resume their.

Agora Financials fundamental building is located in Mount Vernon in Baltimore. They have developed consistently and now have more than 12 unique structures in the surrounding area. A portion of the structures incorporate houses that have been changed into office spaces. , Bill Bonner is the founder who has relentlessly worked to add genuine touches to each building and has received many prestigious awards as a result. Agora and their analysts are completely prepared to guarantee that you receive the necessary education to ensure and construct your funds. They work with you to upgrade your investments for each premium and objective whether you’re a professional investor, unbiased client or just need more knowledge. Some of the assets they cover are benefits from valuable metals, benefits from stocks, and certain approaches that ensure your stock or funds and learn more about Agora Financial.

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What does Market America products entail?

Market America is a world-class marketing company. It deals with internet marketing and brokerage of commodities. Market America products are distributed in various countries. Loren Ridinger and JR founded the organization in 1992. The firm has its headquarters in Greensboro, N.C. It has around 650 employees.

Market America products are categorized according to usage. Isotonix is a group of health and nutrition products. Home and garden commodities are known as Snap. Pet Health is a category of pet care products. Autoworks are automotive products. TLS is a group of weight management products. Royal Spa, Skintelligence and Fixx are used as personal care products. Cosmetics are retailed as “Motives by Loren Ridinger.” The jewelry stock is retailed as “Yours by Loren Ridinger” and “Loren Jewels.”

The most sold Market America products include weight management commodities, water purifiers, dietary supplements, auto care and personal care products. The company has also recorded high sales in other commodities. They include jewelry, household cleaning supplies, cosmetics and custom websites.

Market America products are manufactured by various companies. The firm describes its business entities and individuals as independent distributors. These distributors are commonly referred to as “UnFranchise Business Owners.” The company allows them to operate “Partner Stores,” online retail websites. The individual distributors must pay a startup and monthly fees to commence their business.

Market America product distributors earn profit from sales and commissions.

Why Equities First Holdings is a Go-to Company for Stock-based Loans

Equities First Holdings has established itself as a leading financial lender of stock-based loans. Its slogan, ‘we do one thing so that you can do anything’, entails how it lends its customers money to support them in attaining their goals. Some of the primary beneficiaries of EFH’s alternative lending services and solutions include businesses as well as high-net-worth individuals. As such, Equities serves as a suitable lending option for people who are ineligible for credit-based loans as well as those in need of raising capital promptly.

Equities First Holdings’ Line of Specialization

EFH’s main line of operation includes coming up with efficient, alternative lending services or solutions for its clients. In this case, stock acts the collateral for a loan given to a customer. These loans serve as suitable borrowing opportunities for many parties, especially potential investors. Startups can also get fast cash to explore innovative opportunities as well as secure capital for new business ventures.

Since stock-based loans come with minimal restrictions, the money given can be utilized for multiple purposes. In fact, the lender does not necessarily need to know all the details on how the money will be spent. This allows the borrowers to repay the money at a reduced interest rate, which is fixed at 4% or even lower.

According to Al Christy, EFH’s CEO, stock-based loans have the upper hand over margin loans since they offer a higher loan-value ratio. In fact, the qualification process is easy as opposed to that of credit-based loans. Even though all loans are attached to some risk, borrowers of stock-based loans can walk away from such deals without any obligations.

Experience in Stock-based Lending

EFH boasts of vast experience in creating and providing alternative lending solutions, which spans about 14 years. During the 14 years that Equities First Holdings has been in operation, it has executed more than 650 transactions involving lending money as well as returning stock collateral to clients upon repaying the loan in full.

Global Expansion

Equities First Holdings is headquartered in Indianapolis, Indiana. Since its inception in 2002, EFH has managed to cross the North American borders into other locations such as Sydney, Singapore, London, Bangkok and Hong Kong.

Equities First Completes a Significant Transaction in the United Kingdom

Equities First Holdings is a renowned company that offers alternative lending solutions to organizations and high net worth individuals around the globe. The company was founded in 2014, and it has transformed the lives of many investors. People who need fast loans can get them from Equities First Holdings, using publicly traded stocks as collateral.

Just recently, the privately held equity company announced that it has successfully managed to complete a transaction with a high net individual from the United Kingdom. The investor, Andrew Newland serves as the chief executive of an organization known as ANGLE. Andrew had taken a loan from Equities First Holdings in the past, and he has used shared valued 1.35 million as collateral. After the transaction was complete, the company announced that it had returned the shares to Andrew. The financial transaction did not face any significant challenges, and both parties were satisfied by the outcome.

The deal by Andrew was one of the first since the institution was started in the year 2014. According to the top management in Equities First Holdings, the deal happened in the UK when Equities First acquired a company called Meridian Partners Limited. After the company had been acquired, it was named Equities First London, and it would offer services under the leadership Al Christy, the chief executive officer. The financial conduct authority in the UK regulates the special arm of the lending institution.

Al Christ says that this is just the beginning of successful transactions from the institution. According to him, his company is very transparent in its operations, and clients should not be worried after making deals. The loans are processed very fast, and the customers get their capital for a short duration.

Al Christy started the company after realizing that most of the lending institutions in the globe had tightened their lending qualifications, making it tough for individuals and corporations to acquire loans. Customers can now enjoy fast loans from the company at very low interest rates that do not change due to inflation. These rates remain the same during the life of the loan, unlike the conventional loan interest rates.

SEC Investigating FiatChrysler

FiatChrysler is being investigated by the Securities and Exchange Commission (SEC) over its financial reporting, claims BBC News post. In addition, Department of Justice (DoJ) is taking a look into carmaker’s quarterly and annual reports.

According to the company, revenues are based on shipments to the car dealers instead of actual sales to buyers. And this has raised concerns of the Federal regulators in the United States.

In 2015, FiatChrysler had sold more than two million cars, and last June the company reported the best sales in a decade. But, some of its sales practices have begun to be questioned early this year after one of the dealers filed a lawsuit accusing the company of racketeering and fraud.

The dealer claims that this Italian-American automaker encouraged them to report inflated sales by offering the manager $20,000 to report some fake car transactions. FiatChrysler pledged to defend itself from this lawsuit, while cooperating with the regulators in solving the apparent accounting discrepancies.

The company’s stock currently trades at around $6.50 per share, closer to its 52-week low. The market cap stands at only $8.5 billion. The reported net income in 2015 was $410 million on sales of $120 billion.

In the past, Chrysler had merged with Daimler, but that didn’t work out. Now, it has combined forces with Fiat, making it an important player in the automotive industry, but without significant results for its shareholders.

Mutual Funds Are Losing Clients

In June alone, investors had withdrawn nearly $22 billion from actively-managed mutual funds in the United States. This is the biggest withdrawal since October 2008, which was the period in the middle of financial markets collapse. Meanwhile, the municipal bond funds were the exception as they attracted over $6 billion.

This money is flowing to passively-managed Exchange-Traded Funds (EFTs). With these investment vehicles, the managers seek to mimic specific indices rather than pick stocks. The benefit of ETFs is due to their much lower costs than those of mutual funds.

Per Bloomberg, the shift to these passive funds will continue and the investment management industry is likely to suffer because of lower fees. Not only profit margins are decreasing, but the very survival of many of these asset managers is threatened.

Larry Fink, BlackRock’s CEO, thinks this shift will lead to consolidation in the industry. Blackrock is one of the leaders when it comes to index-based funds. Its iShares ETFs continue to attract investors’ money. The other leader, Vanguard, is also doing well.

Over many years, the active investment management industry has failed to deliver results. After accounting for various fees and charges, many of these mutual funds have underperformed the markets. As a result, investors began to transfer their money to ETFs. These funds trade like stocks on the exchanges and are highly liquid. There’s also a wide range of ETFs, covering various asset classes and countries. So the options to invest are many.

Possible Fed Rate Hike Sinks Precious Metals

The increased likelihood of Federal Reserve officials hiking interest rates has caused the dollar to rally and precious metal prices to sink.

In June, traders believed there was a 60% probability that short-term rates would rise a quarter percentage point by September. However, a weak May jobs report and Britain’s vote to leave the European Union dropped the likelihood of a hike to as low as 12%.

But subsequent data has buoyed the confidence of Fed officials, and traders now believe that a September hike is back on the table.

June’s job report was much better than many expected. In addition, global markets have recovered after initially plunging on news of the Brexit vote. U.S. stock markets closed at all-time highs on Monday.

The renewed confidence in a September hike has prompted investors to sell precious metals. Gold, which often trades inversely to the dollar, fell by $14, to $1,318 an ounce. Silver is now trading at $19.57 an ounce, down 45 cents from its previous closing price.

Atlanta Fed President Dennis Lockhart believes a rate hike this year is very likely, telling reporters that he would not rule as many as two increases in 2016.

The Fed will have an opportunity to signal which direction it is leaning when officials meet July 26-27. The biggest obstacle standing in the way of an interest-rate increase could be the uncertainty surrounding the affect of Brexit.

While markets have been orderly since the vote, officials are still attempting to assess what repercussions may lie ahead.

Netflix Shares Plunge After Earnings Miss

Shares of Netflix fell by 13% on Tuesday after the company reported disappointing earnings for the second quarter of 2016.

The most concerning statistic for investors was subscription growth. Analysts were expecting Netflix to add 2.5 million new subscribers, representing a 24% decline from the prior year. Instead, the internet television network delivered just 1.7 million new members.

Netflix CEO Reed Hastings chalked up the nearly fifty percent year-over-year decrease in subscribers to several factors. At the top of the list was a recent price increase, which Mr. Reed believes had a disproportionate affect on the company’s earliest subscribers.

In addition, Mr. Reed mentioned increased competition for Olympic viewers and challenges associated with expanding into international markets as issues that affected subscriber growth.

Mr. Reed believes the recent subscriber trend is a temporary blip and says that the opportunity in front of the company is as big as ever.

Netflix’s 47 million U.S. subscribers is more than any other domestic cable provider. Because of this, the company must rely on international markets to drive growth. It has introduced its service to 130 new markets, but has yet to penetrate the world’s most populous country—China.

Netflix reiterated its interest in entering the massive market, but acknowledged that it faces a problematic regulatory climate.

Nonetheless, the company is in the early stages of creating local content for other highly populated countries such as India and Brazil. Analysts who are bullish on the company are far more focused on Netflix’s execution in these markets than they are on a single quarterly earnings report.

Goldman Sachs Does Well But Cuts Bonuses

Goldman Sachs, one of the most renowned Wall Street investment banks, just announced its quarterly earnings. In the second quarter, the results were better than expected. The net income has risen to $1.82 billion from $1.05 billion a year ago. However, this is due to last year’s depressed earnings after Goldman applied $1.5 billion charge for a settlement regarding mortgage backed securities, the infamous financial instruments that led to the 2008 financial collapse.

Even though the revenue dropped from slightly over $9 billion year ago to less than $8 billion now, the earnings were $3.72 per share, which is better than $3 that most analysts expected.

Yet, Goldman Sachs is seeking to tighten its belt. When it comes to compensation charges, the company allocated $3.3 billion to them in the second quarter, while it was $3.8 billion a year before. This represents $96,000 per employee, down from $110,000 CNN Money reports.

In the first quarter of 2016, the bonuses were decreased by about 40%, but still were, on the average, over $70,000 per employee. Overall, the bank’s operating costs decreased by 26%.

A major reason for these cutbacks is recent 17% drop in investment banking revenues. Speaking of company’s performance, Goldman’s CEO Lloyd Blankfein claimed he’s pleased with the results. When it comes to the investors, their feelings must be mixed- the stock is down 10% since the beginning of this year.

American Investors Should Not Fear the Brexit Vote

Now that the initial shock of the UK’s referendum vote to leave the European Union on June 23rd (nicknamed “Brexit”) has subsided, many investors are looking to history as a model for their investment strategies.

Ned Davis Research group looked at 51 major crises in the 20th century and measured the response of the US markets over time. They found that the Dow was actually 6.3 percent higher than it was before the initial plunge for events like Pearl Harbor, the JFK assassination, and even 9/11.

From this study, analysts at Ned Davis Research said that markets were drastically overreacting to the Brexit debacle.

Vincent Deluard, who is the head European Strategist for this company, said he believes the Brexit vote is a real non-issue. In the end, Deluard says, there will be no real change in the EU. Brexit negotiations will just be another instance of European policymakers kicking the can down the road.

Financial experts advise Americans to remain calm. The main thing the British referendum did was to set into motion years of negotiations between the U.K. and the EU. These negotiations will last at least two years, and they can be extended.

In all this time, the U.K. will remain within the EU trading zone and will be beholden to EU laws. Again, nothing has really changed. Also, because the referendum is non-legally binding, British Parliament could simply disregard it in the future.