Traci Gregory, Financier

Should you take Cramer's advice and quit the Market?

“Whatever money you may need for the next five years,” Jim Cramer told the legions of Cramericans yesterday, “please take it out of the stock market right now.”

From Agora Financial's 5 minute forecast:

"Mr. There’s always a bull market somewhere” officially checked out of the current market, suggesting that a the current drama could cause “as much as a 20% decrease in the stock market.”

You don't have to run screaming from the market and take losses today because Cramer said to.  You can take a loan against your portfolio to hedge against losses; non-recourse loans mean that if your stock tanks, you can walk away.

I don't recommend making any decision on the emotions we're experiencing now.  Check out your options, take a deep breath, then sleep on it. 

If you'd like a quote on a particular stock, I can give it to you  via e mail.  I'll need:

• symbol
• value
• state of your residence
• whether or not you are associated with the company

I'll get a quote for you as fast as I possibly can.  Loans tend to close in ten days or less, unless they exceed the ten million mark.

Common shareholders, non-affiliates and insiders who are holding stock that trades at least $25K a day in volume can access millions in cash simply using their stock as collateral.

Manage the risk of owing stock in this market by taking out a stock loan.  If you have $1 million in stock you can borrow $500,000.00 now and if the stock drops in value during the loan you can walk away from the loan without any negative impact on your credit.

If the stock increases in value you can capture that appreciation. There is NO fall-back position to selling your stock.

Done is done.

Use a stock loan to hedge your position instead of abandoning it.

“Whatever money you may need for the next five years,” Jim Cramer told the legions of Cramericans yesterday, “please take it out of the stock market right now.”

From Agora Financial's 5 minute forecast:

"Mr. There’s always a bull market somewhere” officially checked out of the current market, suggesting that a the current drama could cause “as much as a 20% decrease in the stock market.”

You don't have to run screaming from the market and take losses today because Cramer said to.  You can take a loan against your portfolio to hedge against losses; non-recourse loans mean that if your stock tanks, you can walk away.

I don't recommend making any decision on the emotions we're experiencing now.  Check out your options, take a deep breath, then sleep on it. 

If you'd like a quote on a particular stock, I can give it to you  via e mail.  I'll need:

• symbol
• value
• state of your residence
• whether or not you are associated with the company

I'll get a quote for you as fast as I possibly can.  Loans tend to close in ten days or less, unless they exceed the ten million mark.

Common shareholders, non-affiliates and insiders who are holding stock that trades at least $25K a day in volume can access millions in cash simply using their stock as collateral.

Manage the risk of owing stock in this market by taking out a stock loan.  If you have $1 million in stock you can borrow $500,000.00 now and if the stock drops in value during the loan you can walk away from the loan without any negative impact on your credit.

If the stock increases in value you can capture that appreciation. There is NO fall-back position to selling your stock.

Done is done.

Use a stock loan to hedge your position instead of abandoning it.

Jim Cramer talks about DB (my mini-cooper) || Now I’m Hedge Lender® Approved Agent

In Jim Cramer's Mad Money lightening round on Friday June 27 he said, "In the end, people aren't spending… they are on the Interstate and you just don't feel rich anymore when you're on the Interstate, unless you're driving a Mini Cooper."

Meet DB, my mini-cooper . . .

I don't feel rich on the Interstate, but I'm not bleeding money for gas anymore. I went from $95 a week for the truck I was driving to about $40 every other week. The savings almost equals the car payment AND it is a kick to drive!

I've just learned that I'm now an authorized agent for Hedge Lender. They have programs for Stock Loans and an amazing customer service approach. Highlights are

• Employee Stock Options Solution Using HedgeLoan®
• Margin Loan Rescue Solution Using HedgeLoan®
• Expanding Business Financing Solution Using HedgeLoan®
• Real Estate Purchasing Solution Using HedgeLoan®
• Diversify Investments Solution Using HedgeLoan®

HedgeLoan Stock Loans for Business Expansion Capital...

John Shareholder owns a farm with a 10% interest note that collateralized by all of his equipment and most of his other farm assets. He needs expansion capital and owns 100,000 shares of the stock XYZ worth $10 a share, but he expects good news this year that will boost the stock's price and doesn't want to liquidate.

Solution: With a HedgeLoan® @ 6.99% interest fixed, he can refinance the farm, get the capital to grow the business and remove the liens from all other assets. If his favorite stock goes up, he can participate in the upside, and if it goes down, he can exercise his right to default on the loan (with no reporting to credit bureaus) and the collateral stocks acting as full satisfaction of the HedgeLoan obligation.

PIPE Replacement Solution

A publicly trading company needs to raise $1,000,000 in capital but can't do asset-based lending and can't afford to wait for a PIPE to be completed.

Solution: Use a HedgeLoan® stock-secured loan to do an off-balance sheet financing with shareholders friendly to the issuer and gain flexibility and greater shareholder loyalty in the process.

Think of the benefits:

• it can help enhance the value of the collateral pledged for the HedgeLoan®;
• be structured so that borrower also receives warrants which could have considerable added value (terms negotiated with the issuer).
• no debt service - since the borrower's note will run concurrent with the stock loan, the debt service will be covered by interest paid to borrower on note (payment terms and dates can be structured to fall just prior to due date on HedgeLoan®.)

Quick funding – 2 weeks or less possible vs. many months with PIPE or secondary offerings. Many registration and legal costs associated with PIPE or secondary offerings are not required with a HedgeLoan® solution. Shares go (via warrants) to presumably friendly hands (current large shareholders) rather than to unknown parties.

Stay in and Out of the Market at the Same Time - with HedgeLoan® Stock Loans

I'll try to go over each of them in the next day or two – in the meantime, you can call me 770.333.4404 or send an email traci@tracigregory.com if you have questions.

You may read my full Disclaimer including definition of "approved agent" .