Q:
How are you, as a stock owner, going to weather the current financial crisis?

You probably need cash, maybe for a real estate investment. Maybe for your kid's college expenses. Or to pay off tax or other debts. Personal, home equity, and business loans aren't available.

Everybody's in the same boat.

No cash liquidity, regardless of credit, regardless of net worth. None. Where to turn?

Next stop: A call to a trusted financial professional for advice.

And a smart move too... provided he's ready to consider all of your options. Many are, but many will distill your choices down to just two:

1) Do nothing and let the storm pass, or 2) sell it all outright here and now.
Maybe that feels a lot like "sit on the sidelines or hold a fire sale." You'd probably like to have some other choice. But what else is there?

You feel that blowing all your shares out on the open market right now would be a nightmare. Your stock's prices are so low that you'd be selling perhaps even at less than what you paid for them. These days you'd settle for a return to just average prices, but it will be at least 2-3 years, the experts say, before that comes about. It would be torture watching all that value, all that potential upside, go down the drain, lost forever.

But as much as you respect your broker's advice, doing nothing when you need the cash and selling at painfully low prices, at a horrific loss, is just not an acceptable option to you.

There is a third choice: Let FreeSpirit arrange your HedgeLoan from HedgeLender LLC, the oldest continuous private placement stock loan provider in the U.S. today.

Use your loan cash of up to 85% of today's value (market prices) for any legal investment or spending purposes you choose.

Simple paperwork. Fast.

Your title is always yours with Premier so the simple lien is removed upon payment. Full title and shares returned with our classic loans. Pay it off quarterly. Or have one balloon at the end of your loan term.

Apply Online for a fast, free, no-obligation quote.

Pay off, restructure, and/or manage existing debts by replacing them with a limited recourse stock HedgeLoan.

What is the Intelligent Alternative?

It is the means to retire or restructure your debt, adding flexibility with an Intelligent Alternative HedgeLoan®.

John Shareholder has a home with a $300,000 mortgage @ 9% and $50,000 in credit cards @ 12% and he wants to refinance. He owns 100,000 shares of XYZ stock but believes it will appreciate in value in the months ahead and really does not want to liquidate.

Solution: With a HedgeLoan @ 6.99% fixed, he can receive sufficient cash at an acceptable rate to refinance the house and his credit cards and still participate in the upside of his stock.

Behind the Numbers:

Example:

• John obtains a 75% HedgeLoan @ 6.99%, which will yield $375,000 in proceeds.
• $300,000 pays off the house; he now owns it, free and clear. He uses $50,000 to pay off all his credit cards.
• John has saved himself $6,000 per year in interest expense on his house. He has also saved $2,500 per year in interest expense on his credit cards.

And, since he now has $25,000 in remaining cash from his HedgeLoan, John can take his family on a nice vacation or buy a new car or both...!