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Securities Based Funding, Inc. Announces A Unique Financing Advantage To Borrowers Against The Value Of Their Securities Portfolio

Securities Based Funding, Inc. announces a unique financing advantage to borrowers against the value of their securities portfolio at below-market, simple interest, fixed rate loans ranging from 2.5% to 4.5%. These non-recourse loans will assist buyers, sellers and developers of properties worldwide. The loan proceeds can be used for any purpose except to buy securities or carry securities in a margin account.

Securities Based Funding, Inc.

Despite the credit crunch and while access to liquidity through traditional capital markets is difficult in today’s uncertain economy, security-based loans enable borrowers to access liquidity at below-market rates by pledging the securities they own as collateral for the loan.

Eligible securities are publicly trades stocks, bonds, tradable mutual funds, unit investment and real estate investment trusts as well as foreign positions on international exchanges. Ineligible securities include, privately held stocks, securities held in retirement accounts, such as, IRAs and 401Ks. The borrower retains all upside market appreciation and receives any dividends or interest to which the securities are entitled. Loan to security values (LTV) range from 35% up to 80%. The more liquid and actively trades the securities, the higher the LTV.

Securities Based Funding, Inc. represents a full-service, private, nonpurpose, direct lender that specializes in securities-based lending with investors in need of prompt funding. Terms are based on the evaluation of the risk and future performance associated with the stocks, bonds or U.S. Treasuries to be pledged as collateral to maximize and maintain complete yet proprietary flexibility of the equity-loan process.

Successful stock-lending transactions have been executed involving the American Stock Exchange, NASDAQ National Stock Market, NASDAQ Small-Cap Stock market, New York Stock Exchange, Over-the-Counter Bulletin Board and foreign exchanges.

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401K, Checking & Savings, Financial, Financial Services, Investment, IRA, Loans, Money, Personal Finance, Retirement

Sunwest Trust Is Now Offering Their Latest Product – The Individual 401k, Aka I401k

Sunwest Trust, Inc. announces the launch of the Individual 401k or i401k. “The i401k gives self-employed business owners the same tax benefits that large corporations have enjoyed for years,” says Terry White, CEO of Sunwest Trust, Inc. as well as White adds, “a number of additional benefits not offered by the traditional self directed IRA.”

Individual 401k

With an i401k, business owners may be eligible to contribute far greater amounts to their 401ks than they could with any other type of retirement plan. In addition, the i401k is much simpler to administer than a typical 401k plan.

Another advantage to the i401k is the Roth contributions that you are eligible to make. You can designate some or all of your deferrals as Roth contributions. Roth contributions are after-tax dollars, so those contributions will grow tax-free.

Unlike self directed IRA, you may take loans from your i401k.

Also, the i401k has lower administrative costs than most retirement options for a small business owner. Unlike a self directed IRA, with the i401k you do not need to have a self directed IRA custodian for your i401k. You may act as trustee for your own plan.

White does note, “that the i401k is not for every small business owner and that there are restrictions and guidelines someone must follow in order to be eligible.” White recommends, those who seek to invest using the i401k, “consult a tax professional to make sure that they are making their contributions correctly and to help them fill out the form 5500-EZ when their i401k accumulates over $250,000.00.”

To be eligible to have an i401k, you must be a self-employed business owner with no full-time employees other than your spouse. Whites also states, “investors need to make sure to check with their tax professional to find out the limitations and amounts that can be borrowed from the i401k plan.”

White adds, “The timing of the i401k could not be better for business owners as well as the company. Despite the tough economy, Sunwest Trust continues to grow. By adding new products and providing the same great customer service their clients have come to expect, Sunwest Trust is well on their way to another record setting year. The company has already seen 16 percent growth from this time last year and there are no signs of slowing down anytime in the near future.”

One explanation for the sudden growth over the last two years has been the volatility of the stock market. When the stock market hits uncertain times, many investors would rather not gamble their future on Wall Street and investors look for more stable investment opportunities. Self-directed IRAs and 401ks allow savvy investors the opportunity to find the investment that best fits their investment needs, risk tolerance and retirement goals, whatever it may be.

White adds, “not all investments are ideal and whenever you make an investment there is always inherent risk involved. Each investor should acquire competent legal counsel and commit to completing the proper due diligence prior to shifting their retirement dollars into an alternative investment.” He adds, “just as it is not your local bank’s responsibility to validate the veracity of an investment, neither is it the IRA custodian’s job to validate the authenticity of the investments you make with your IRA/401k dollars. The last thing you want to do is gamble away your hard earned retirement savings blindly without verifying the genuineness of the investments your are making.”

About Sunwest Trust, Inc.

Sunwest Trust is an independently owned private company that offers self directed IRA custodian, escrow and now Individual 401k services. The company offers a huge range of financial services providing post retirement benefits, private mortgages, real estate contacts and other related fields for its clients. FDIC insured banks back the self directed IRA funds of their clients. For more information on the activities of the company, please visit http://www.SunwestTrust.com.

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Financial, Financial Education, Financial Information, Financial Management, Financial Services, Financial Software, Financial Solutions, Loans, Money

National Lending Associates, Inc. Launches the TuitionFlex Program

National Lending Associates, Inc. (“NLA”) is formally announcing today the launch of its TuitionFlex SM tuition payment program. The TuitionFlex Program is a highly flexible and customizable tuition payment program for schools and colleges which currently do or do not offer this low cost financing option to their students and families. TuitionFlex is designed to be compliant with all federal and state Truth-in-Lending disclosure requirements. This turn-key program features a branded on-line application process, electronic signature, customizable reporting, automated payment processing and flexible servicing repayment terms.

“NLA is excited to launch this additional financing option for schools and colleges while leveraging the experience and expertise of our management team.  Our TuitionFlex Program was created as an alternative higher education financing option, which enables institutions throughout the country to provide effective financing solutions for their students during a time of economic uncertainly and limited private financing choices ” states Douglas Feist, Chief Executive Officer of NLA.

The TuitionFlex Program offers payment products aimed at providing tuition financing solutions for K-12 schools, colleges, and universities. With its TuitionEase™ (less than 12 months), TuitionExtend™ (contracts greater than 12 up to 120 months), and soon to be launched TuitionExtend Plus ™ (contract purchase option) products, the TuitionFlex Program provides alternatives to meet the current demands of all educational institutions.

For more information on the TuitionFlex Program go to www.tuitionflex.com or contact Tim Kulesha at tim.kulesha@NLALoans.com (602) 579-6555.

About National Lending Associates, Inc.
Based in San Diego, California, with offices in Ohio, Arizona, Georgia, Pennsylvania, and New York, National Lending Associates, Inc., is a nationwide specialty service company focused on providing financing solutions, loan and portfolio administration services, and technology options for the education financing marketplace (www.nationallendingassociates.com ).

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Financial, Financial Education, Financial Services

The Incentive Group, Inc., Works to Assure Event Success and National Financial Recovery

Talk about full service: The Incentive Group, Inc., a Corporate Event Planner, not only provides comprehensive services for planning employee incentive programs or sales recognition programs, but now its activities behind the scenes are helping to put guidelines in place to ensure that your company’s incentive activities are conducted in compliance with new federal laws and to ensure that your company maintains eligibility for federal emergency funding. 

The Incentive Group, Inc. provides all-inclusive services in conducting a variety of corporate events, from 

routine meetings and conferences, to sales recognition programs and employee incentive programs. The Incentive Group, Inc. maintains that company productivity and profits can be sustained and improved, even in tight economic times, by improving relationships with two major sources that are essential to business success: good customers and good employees. Even the most successful businesses must regularly take external and internal action to maintain happy customers and happy, productive employees.

Sales recognition programs have long been deemed essential management tools, utilized by companies to motivate and boost the confidence of their sales employees. More recently, companies have recognized that employee incentive programs targeting non-sales employees also have a measurable positive effect on the bottom line. Well-informed companies now view both types of programs as necessary to nurture good relationships with one of their most valuable resources – their employees.

Why incentives? Why not cash? The Incentive Group, Inc. presents a compelling case in favor of Travel Awards Employee Incentive Programs. Independent studies support the position that such incentives work better than cash to create feelings of satisfaction and to produce a high level of individual motivation.

Why not just organize your own events? The Incentive Group, Inc. has the purchasing power and connections to negotiate the best rates on services. Minimizing costs helps maximize attendance, ensuring greater success. Letting The Incentive Group handle the details free up company personnel from the onerous obligation of struggling to complete all the tasks necessary to set the stage for these kinds of events. Your employees are then able to spend their time doing what they do best: Their jobs.

You definitely need to consult with a professional corporate event planner before hosting any incentive event if you have received emergency government lending for distressed corporations. Under calls from the Obama administration, as well as a bill proposed in the U.S. Senate, the Secretary of the Treasury would be required to “develop and publish corporate governance principles and ethical guidelines for recipients of emergency economic assistance including restrictions governing payments for conferences and events.” (S.133, “Troubled Asset Relief Program Transparency Reporting Act,” Introduced 01/06/2009). The bill also mentions travel accommodations, travel expenditures, entertainment, holiday parties, and employee recognition events.

The Incentive Group, Inc. is a member of Meeting Professionals International (MPI), one of a group of eight event industry associations that have stepped forward to voluntarily create a “Model Board Policy for Approval of Meetings, Events and Incentive/Recognition Travel.” Although the Model Policy will constrain the very corporations that use the services of member corporate event planners, it will also protect the uninterrupted, smooth operation of the event industry.

MPI members like The Incentive Group, Inc., have thus dedicated themselves to assisting economic recovery by taking action to protect the significant percentages of jobs, tax revenues, and travel-related spending generated by the event industry, and also by aiding client companies that receive federal emergency funding to avoid legal problems over its use.

About The Incentive Group, Inc.

The Incentive Group, Inc. offers comprehensive corporate event planning, from local, regional, or national meetings, to custom-designed Travel Award programs, to participant feedback reports, plus everything in between. All services provided by The Incentive Group, Inc., have a unified goal in mind: To understand your business and to provide what you need in order to obtain measurable results.

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