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Reward offered for robber of cash advance store who bound clerk


Home for the holidays, Detroit woman shot to death on Christmas morning

Home for the holidays, Detroit woman shot to death on Christmas morning

Updated: Wednesday, December 31 2014 12:32 AM EST2014-12-31 05:32:29 GMT

A bright young woman with a promising future had her life cut short on Christmas morning on Detroit’s east side. Christina Samuel was sitting in her car when she was killed.

A bright young woman with a promising future had her life cut short on Christmas morning on Detroit’s east side. Christina Samuel was sitting in her car when she was killed.

Former Motown musician wants stolen instruments back

Former Motown musician wants stolen instruments back

Updated: Tuesday, December 30 2014 11:18 PM EST2014-12-31 04:18:23 GMT

A West Bloomfield woman who played on some of Motown’s biggest hits is asking for the public’s help.

A West Bloomfield woman who played on some of Motown’s biggest hits is asking for the public’s help.

Stretch of road renamed for fallen Westland firefighter

Stretch of road renamed for fallen Westland firefighter

Updated: Tuesday, December 30 2014 10:21 PM EST2014-12-31 03:21:56 GMT

A one-mile stretch of Ford Road has been re-named The Brian Woehlke Memorial Highway. And for those who fought fires alongside of him, it’s a good way to keep his memory alive, they said.

A one-mile stretch of Ford Road has been re-named The Brian Woehlke Memorial Highway. And for those who fought fires alongside of him, it’s a good way to keep his memory alive, they said.

Reward offered for robber of cash advance store who bound clerk

Reward offered for robber of cash advance store who bound clerk

Updated: Tuesday, December 30 2014 9:33 PM EST2014-12-31 02:33:25 GMT

Waterford Township police are looking for an armed suspect who robbed an Advance America Cash Advance on Dec. 23.

Waterford Township police are looking for an armed suspect who robbed an Advance America Cash Advance on Dec. 23.

Police look for killer of Inkster boy found shot to death in street

Police look for killer of Inkster boy found shot to death in street

Updated: Tuesday, December 30 2014 8:56 PM EST2014-12-31 01:56:41 GMT

Inkster police are looking for a killer after a 17-year-old boy was gunned down, his body left in the street Monday night.

Inkster police are looking for a killer after a 17-year-old boy was gunned down, his body left in the street Monday night.

Boaters, off-road drivers to face stricter drunk driving laws

Boaters, off-road drivers to face stricter drunk driving laws

Updated: Tuesday, December 30 2014 8:14 PM EST2014-12-31 01:14:18 GMT

Michigan now has stricter drunk driving laws for boaters, snowmobiles and off-road vehicles. Gov. Rick Snyder said that the new legislation will improve public safety but some people are wondering what the real intent of the law is.

Michigan now has stricter drunk driving laws for boaters, snowmobiles and off-road vehicles. Gov. Rick Snyder said that the new legislation will improve public safety but some people are wondering what the real intent of the law is.

Graffiti of angel holding police officer at gunpoint spurs outrage

Graffiti of angel holding police officer at gunpoint spurs outrage

Updated: Tuesday, December 30 2014 7:42 PM EST2014-12-31 00:42:22 GMT

Both police and the director of a youth center in Detroit call a recent graffiti painting “hurtful.”

Both police and the director of a youth center in Detroit call a recent graffiti painting “hurtful.”

Ndamukong Suh wins appeal, will play vs Dallas

Ndamukong Suh wins appeal, will play vs Dallas

Updated: Tuesday, December 30 2014 7:07 PM EST2014-12-31 00:07:24 GMT

The Lions learned Tuesday that defensive tackle Ndamukong Suh will, in fact, play in the wild card game against the Dallas Cowboys.

The Lions learned Tuesday that defensive tackle Ndamukong Suh will, in fact, play in the wild card game against the Dallas Cowboys.

Detroit Weather Authority Forecast: A Chilly End To 2014

Detroit Weather Authority Forecast: A Chilly End To 2014

Updated: Tuesday, December 30 2014 5:55 PM EST2014-12-30 22:55:07 GMT

Weather Authority Rich Luterman: Colder and colder through the New Year.

Weather Authority Rich Luterman: Colder and colder through the New Year.

Warren teacher charged with battery of 67-year-old woman

Warren teacher charged with battery of 67-year-old woman

Updated: Tuesday, December 30 2014 5:39 PM EST2014-12-30 22:39:59 GMT

A Warren Mott High School teacher spent part of her Christmas break in jail after being arrested in the Florida keys.

A Warren Mott High School teacher spent part of her Christmas break in jail after being arrested in the Florida keys.

[…]

Rangers need more cash to pay for day-to-day expenses

RANGERS last night revealed they will require “significant further funds” to meet their day-to-day costs by the beginning of next year.

The club posted an £8.3million loss in their latest financial accounts, published last night. Figures for Rangers International Football Club plc to June 30 this year show losses have almost halved from around £14million last year but again laid bare the precarious cash picture at Ibrox.

The accounts showed that former chief executive Graham Wallace, who received a £100,000 pay-off when he left the club following the completion of Ashley’s loan deal, picked up nearly £380,000 between November last year and June 2014.

Former finance director Brian Stockbridge, who became a hate figure for fans due to his relationship with Charles Green, pocketed nearly £220,000, while Craig Mather got a bumper £350,000 golden handshake when he resigned as chief executive in October last year.

While there was £4.6m cash in the bank on June 30, just over £3m of this is related to Rangers Retail Limited and “not immediately available as working capital”.

There were also increases in money received from sponsorship and advertising and broadcasting rights but there was a £323,000 reduction in commercial revenue.

It leaves Rangers facing another cash shortage unless they can source more outside investment, with the board set for a stormy shareholder summit when fans and investors gather at Ibrox for the AGM next month.

Auditors Deloitte warn that the firm “requires additional funding to continue to meet its liabilities as they fall due”.

But Rangers say they have “several options open to them to raise the required funds and have been approached by several parties wanting to offer funds on a secured basis”.

Most of the cash, which is likely to come from a fresh share issue if the motion is agreed by shareholders at the AGM on December 22, will be required in the early months of next year as the board continues to face significant funding issues while Ally McCoist’s side bid for promotion back to the Premiership this season.

The Ibrox hierarchy have come under huge pressure from supporters in recent months and will again face tough questions after posting accounts that also show that:

l Revenue is up from £19.1million to £25.2m;

l Staff costs were down from £17.9m to £14.7m;

l Revenue from season tickets dropped from £8.1m to £7.7m;

l Cash at June 30 was £4.6m;

l Retail revenue rose from £1.6m to £7.6m;

Rangers have faced a number of cash challenges in the last 12 months and, after repaying loans to Sandy Easdale, chairman of the club’s football board, and fan George Letham worth a total of £1.5m, the Ibrox side had to take out two loans totalling £3m from Newcastle United owner Mike Ashley while an open share offer raised £3.13m.

In his report to shareholders, RIFC plc chairman David Somers again outlined the reasons behind the board accepting a deal from Ashley in favour of a £16m bail-out from Dave King’s consortium and an offer from businessman Brian Kennedy, a call which infuriated supporters.

Somers admitted there would be more “testing times ahead” for Rangers but said he was “confident we’ll continue to successfully clear every hurdle put in front of us”.

The club last week confirmed that 10 members of behind the scenes staff at Ibrox had been made redundant and overall staffing levels and costs have been reduced in the last 12 months.

A total of £1.9m has been saved on wages, with manager McCoist’s decision to half his annual salary and a reduction in the cash paid out to players playing a significant part.

The ratio of first team wages to turnover has been reduced from 43% to 26% but season ticket sales and average attendances fell by around 2000 and 4000 respectively.

Somers said: “Some fans decided not to renew their season tickets but stated that they will continue to support the team by attending on a match-by-match basis. We respect everybody’s decision to make the choice they feel is right for them although, at the time of writing, the number of fans attending our home league games so far this season is down year-on-year.

“This has had a large negative effect on our balance sheet and reduces our ability to move forward with the desired momentum and the club has been compelled to seek additional funding.”

chris.jack@eveningtimes.co.uk

Related Articles:

Rangers fans’ fears over renaming of IbroxRangers timeline: 18 months of turmoilMcCoist gives voting rights to Rangers fans’ club for AGMTime is the enemy for new Rangers chief executiveUnion of Fans demand Wallace declares ‘truth’ over Rangers bonus policy

Football

[…]

Don't ever borrow cash from evil men like this

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The Sunday ECHO today reveals the murky world of illegal loan sharks, who prey on debt ridden families.

Our inquires have revealed how ruthless the shady, often violent, lenders can be once borrowers are unable to make their payments.

Some have even threatened the children of people in their debt, our inquiries reveal.

Experts are warning that February is a peak time for those who borrowed cash over Christmas to find themselves preyed upon by loan sharks.

Fears have been raised vulnerable families at this time of year could be feeling the effects of overspending at Christmas and may either have already resorted to, or be considering going to, loan sharks.

A specialist team launched to crackdown on those lending money illegally has been working with councils across Merseyside. Tony Quigley, head of the England Illegal Money Lending Team, told the Sunday ECHO: “Research shows 20% of victims in past cases stated they borrowed in the run up to Christmas.

“No matter how desperate you are for cash, loan sharks are never the answer. It may seem like a small loan to tide you over but it can quickly spiral, and you could end up repaying the loan for many years to come.

“There is also a real risk that you and your loved ones could be subjected to intimidation or violence.”

Loan sharks are unlicenced lenders who are usually contacted through word of mouth, or in places like pubs and bars.

There is always a huge interest rate, often no paperwork, and they even take things for security, such as passports and driving licences.

When borrowers start to struggle, the crooks often take their bank cards and pin number so they can try to make withdrawals on the account.

The issue is so bad in Wirral the council has this month held a loan shark awareness week.

Cllr Brian Kenny, Wirral’s cabinet member for the environment, told the Sunday ECHO: “There have been instances in Wirral where loan sharks sit outside people’s houses and say to them, ‘We know you have two children at the local school’.

“They intimidate them and make them feel frightened, not just for themselves, but for members of their family.

“Some are involved in other criminal activity such as drug dealing and very often these loan sharks turn out to be really nasty people.

“They can cause absolute misery for the people they lend money to.”

Some of the cases that have gone to court tell their own story about the sinister people involved.

A dangerous loan shark, former Liverpool doorman John Radford, who stashed an “arsenal of weapons” in his leafy detached home in Liverpool, was last November jailed for 30 months for illegal money lending.

He exploited the vulnerable by lending out hundreds of thousands of pounds at high interest rates – locking his victims into a spiral of debt.

When detectives raided his home, they uncovered a pistol loaded with five bullets in a kitchen cupboard and two bags of ammunition in a locked letterbox.

Gun found in loan shark John Radford’s house

They also found a haul of other weapons, including machetes, knuckle dusters and red pepper spray.

A violent loan shark who lived the high life while exploiting desperate families, he was ordered to pay back his ill-gotten gains last June.

Gerald Daord, 53, charged one customer an exorbitant 2,752% interest on a loan – 161 times more than an average credit card – in a four-year period of illegal money lending. The Birkenhead crook was jailed in 2012 for 16 months but returned to the dock last summer as a judge stripped him of illicit profits totalling £110,000.

Earlier this month a 43-year-old man was arrested on suspicion of illegal money lending and grievous bodily harm. It came as the England Illegal Money Lending Team, working in partnership with Warrington and Halton council, executed a warrant at a residential address in Widnes.

The suspect was taken into custody and questioned before being released on bail until Wednesday, June 11.

How to spot a shark, where to get help

EXPERTS have warned Sunday ECHO readers NEVER to borrow from loan sharks, and revealed just how these crooks:

Start out being friendly – they are often heard of via friends.

Offer little or no paperwork.

Increase the debt or add additional amounts.

Refuse to tell the borrower the interest rate, how much they still owe or how long they will be paying.

Take items as security – including passports, driving licences or even bank or post office cards with the PIN to withdraw directly from borrower’s accounts.

Resort to intimidation, threats or violence.

And here are four ways to report a loan shark in confidence:

Call the 24/7 confidential hotline 0300 555 2222.

Text “loan shark + your message” to 60003.

Email reportaloanshark@stoploansharks.gov.uk

Send a private message at www.facebook.com/stoploansharksproject

Anyone having problems with debt is advised to contact a reputable national organisation for help, including Stepchange Debt Charity Helpline on 0800 138 1111, or National Debtline on 0808 808 4000.

Mum’s fight for tragic son

CAROL Highton didn’t even know what a loan shark was until her 22-year-old son took his own life after being pursued by one.

Brian Shields killed himself in 2005 at his home in Halton Brook after a debt of £300 rocketed to £3,400 in only a matter of weeks.

Carol set up the Brian Shields Trust to stop other families ever going through the same thing.

Brian Shields

The charity helps people who fall foul of loan sharks and offers advice about safer ways to borrow.

Last year, Ms Highton received an MBE in recognition of her services to personal finance and community support.

More Liverpool news

Thousands of love rats from across Merseyside are using a controversial website to seek affairs , the Sunday ECHO can reveal

A cosmetics doctor has seen a huge rise in demand for botox in Liverpool. .. among men

Five held and two in hospital after double stabbing in Liverpool

Drug dealers are hooking cannabis users to their ‘products’ by lacing them with highly addictive heroin, diazepam and methadone

A Mersey motorist had a lucky escape after his new BMW X5 burst into flames at 70mph on the M57

Everton FC have made a “bit of progress” and are “putting together the financial jigsaw” to move to a new stadium , according to senior advisor Sir Terry Leahy

Read our review from one of the gigs of the year: Prince at the Manchester Academy

[…]

Splitting From Wife, Want Cash From Home

Dear Dr. Don,

I’m going through a divorce and need to cash out the equity in my home. The house is paid off. I just had it appraised for $191,000. My wife is staying in the house. What is the best way to get the cash out? Do a cash-out refinancing, or take out a home equity line or loan? By the way, I want what is best for both my wife and me, even though we are splitting up.

Thank you,

-Brian Bachelor

Dear Brian,

Of course, I’m not part of your actual divorce discussion. But the best way to extract the cash is to sell the home. You can then split the proceeds as called for by the divorce decree and get on with your lives.

Compare Mortgage Rates in Your Area

When you leverage your home’s value through a home equity line, a home equity loan or a cash-out first mortgage, you’ll also have to repay the loan. Who is entitled to the equity that you’re plowing back into the property?

If I were divorcing my wife (which I’m not), I probably wouldn’t want a new mortgage on a home I’m set to leave. But, let’s say you take out a 15-year mortgage for $150,000 and that your ex-wife stays in the home over the following life of the mortgage. You’ve taken the cash out at closing, but assuming a 3.75% amortized mortgage, you would have paid more than $46,000 in interest expense and $196,000 in payments.

There’s also a question if you can afford a new home. You would have much of your monthly income tied up in the mortgage payments on your former home. You could also pay some cash with the $150,000 you get at closing.

I think both of you must still decide how to split assets in the divorce. Then, one question will be how to attain your future financial goals, possibly including whether you want a new mortgage.

Get more news, money-saving tips and expert advice by signing up for a free Bankrate newsletter.

Ask the adviser

To ask a question of Dr. Don, go to the “Ask the Experts” page and select one of these topics: “Financing a home,” “Saving & Investing” or “Money.” Read more Dr. Don columns for additional personal finance advice.

Bankrate’s content, including the guidance of its advice-and-expert columns and this website, is intended only to assist you with financial decisions. The content is broad in scope and does not consider your personal financial situation. Bankrate recommends that you seek the advice of advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. Please remember that your use of this website is governed by Bankrate’s Terms of Use.

[…]

Payday loan breaches 'unacceptable' – AOL Money UK

Image 11812492.jpg

It is not acceptable that many payday loan companies are ignoring strict rules governing the sector, Prime Minister David Cameron has said.

He said greater regulation in the industry was needed, telling MPs the Government had given the Office of Fair Trading new powers to suspend licences when firms flout the rules.

More on loans

Compare loans with lovemoneyThe best ways to borrowThe five secrets to getting a cheap loan

Transgressions often include failing to check whether consumers can afford debt repayments and providing inadequate details about the cost of loans.

In the Commons, Labour MP for Central Ayrshire Brian Donohoe said he wanted to know what the Government was doing to “drive these sharks out of our economy”.

Mr Cameron replied: “I think we do need to take action here, that is why we are giving the Office of Fair Trading a new power to suspend the consumer credit licence with immediate effect where there is an urgent need to protect consumers.

“What the OFT report showed is that many companies are not sticking to the guidelines set out and that is not acceptable.”

[…]

3 Month Payday Loans – Medical Travel Club

Brian Moss is an expert author for Payday Loans Over 3 Months. To find more on 3 month loans,Chaussures Louboutin, 3 month payday loans,ralph lauren, loans over 3 months,Louboutin, 90 days payday loans,Ralph Lauren homme, 3 month loans no faxing. Visit-

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If someone is in absolute need of money that is not available from any means then one can turn to 3 Month Payday Loans that are advanced for a considerable period of time to help work out the monthly expenditure.

3 Month Payday Loans – Give Your Monetary Circumstances A Much Required Boost by Brian Moss

12 month loans instant decision: avail instant cash loans by Cameron
Author: Brian Moss Article Tools: Making ends meet with the meager salary that you draw can put you in tough spots sometimes. With the kids? tuition fees and the numerous bills that are still due,Christian Louboutin, you head seems to explode with so much to take care of at one go. Looking for a solution? Opt for 3 Month Payday Loans and make sure that all those bills and fees and more are all taken care of with such a monetary help.

Of course loans tend to be a little annoying in terms of the never ending procedures that they entail but when it is the matter of 3 Month Payday Loans then such customary procedures can be bid goodbye. If you want to apply for such a loan type you are sure to feel no pressure in the form of documentation or faxing of papers as such.

Thus what ensues is a smooth way of procuring a loan amount without patiently waiting for the loan to arrive in your hands in a week or two. These loans come to you in a matter of just twenty four hours and not more. So it takes just one business day for you to get your loan amount in your hands ready to be used for any purpose in the world.

When you apply for such 3 Month Payday Loans you also have the benefit of not having your credit report checked by lenders. This would mean that you do not need to have a good credit record or even a fair or a perfect credit record to be able to avail of such loans. The loan as a result is open to any type of credit record holder since there are no credit checks at all.

One thing that the loan type also attracts attention is the fact that the loan amount that is sanctioned to borrowers is of course for a short term one but that does not mean that the amount is to be repaid by the very next pay date. To elaborate,Ralph Lauren Pas Cher, these loan lenders allow the borrowers to make the required loan repayment in a matter of 3 months. This is to say that a good amount of ninety days are given to borrowers to repay the sanctioned loan amount along with the interest that is chargeable.

What is more such loans are available online in the sense that the loan application is to be filled and submitted online. In no time the verification process ensues which is followed by immediate transfer of the loan amount to the account of the borrower.
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[…]

Are Payday Loans Only For Emergencies?

Are Payday Loans Only For Emergencies? Article by Brian Cox &#thirteen &#thirteen &#thirteen Since on-line loans are mostly meant to be used for emergencies, this does not mean that they are the only varieties. […]