Residents, the questions turned lobby pawn shops, payday loan stores

Pawn shops, payday loan stores and gaming videos are the hot issues of the recent City Council meetings, but the national lobby pedestrian Elmhurst resident Jeff Houston is not too thrilled with what he calls the Houston Council legislating morality . Houston, who ran unsuccessfully for 6th Ward alderman this spring, questioned why the city would reject a source of revenue, such as video gaming. "They're trying to appear as that organization just may be right, if they want, but they are going to be fair and broke," Houston said. "And the failure of the city, whether to go ahead with this." Houston said he and neighbors are concerned more with the city turning of revenue, when faced with a deficit of several million dollars. During a September meeting, City Manager Tom Borchert estimated a deficit of cities with more than $ 1.5 million for 2009-10, and more than 4.18 million U.S. dollars for 2010-11. At the same meeting, provides a gap "potential budget of $ 4 million to $ 6 million." Houston told to turn away the revenue created by gambling video, and effective removal funds to regulate and tax the pawn shops and payday loan stores, the town is not showing any options to reduce the deficit to increase taxes. "I would be looking for every little morsel, every nugget to put into the coffers of the city," he said. Borchert report calls for a revision of the 2009 property tax levy, and is aimed at a withdrawal of approval in December. Elmhurst is the second lowest property tax in DuPage County, near Oak Brook, who has none. The city has already unanimously approved a bill that prohibits gambling video within Elmhurst, after Gov. Pat Quinn has signed a bill legalizing video gambling terminals in the month of July. A study conducted at the state level by the Illinois Municipal League reported to each facility that handles up to five gaming terminals would generate $ 11,250 for his city. Houston said he does not see much difference between the terminals video gambling in bars and the sale of lottery tickets in every store in town. But video gaming is not the only source of income of the Council is going after. The Council has shifted its focus to restrict payday loan stores and pawn shops for, among other factors, acting as "catalysts for the decline of neighborhood," as 3rd Ward Alderman Susan Rose put it. If the Council passes the decree, as was written in the development, design and Zoning Board, any future pawn shops would have to meet seven criteria in the eyes of the full Council and committees set up shop in the C3 zoning district. The Council should pass a decree in its next meeting Monday, 5 October. 'Seedy' called a stereotype Fran Bishop, owner of a pawn shop and president of government relations for the National Pawnbrokers Association, said that the city is misleading by negative stereotypes. "The pawn industry has been around since the beginning of time, there is the rumor that the Queen Isabel pledged her jewels to finance Christopher Columbus," he said. "Customers only borrow what they need, they need $ 50 to get a flat tire on their car fixed, these are small loans ... most are regulars, we know these people and we have a relationship with them. " NPA President and pawn store owner Dave Crum said a sleazy pawn shop has not succeeded in Elmhurst, but many luxury shops and a purpose for residents honest try to make ends meet. "Traditionally, clients who come to shop pledge are generally within a radius of two miles, the idea that is going to bring all these people outside the city center is unfounded," he said. "Our customers do not really want to get rid of their stuff, bring in the same voice from time to time, because I know that is something that is worth." NPA spokesman Emmett Murphy said that is not right for a group of highly regulated businesses such as pawn shops with more loosely regulated payday loan stores. "Pawnbroking is regulated by 12 federal laws, at state and local police," he said. "Store payday loan are in the business of selling money, we are in the business of guarantees." Regardless of the differences between payday loan stores and pawn shops, Houston thinks that neither of them would hurt the economy of morals or Elmhurst. "Glen Ellyn had both pawn shops and payday loan stores within city limits are a community as beautiful as ours, I looked in Naperville ... I do not see the social fabric that divides one of the two," he said. Houston has accused the Council to make easy the choice to go against companies who turn to the working class, but dodging like closing the deficit. Sixth Ward Alderman Jim Kennedy, who defeated Houston in the elections this year, said allowing video gambling in the city was not worth the baggage, and has the support of his constituents'. "I think the risks outweigh the reward," he said. "The people I have come across and (citizens) have spoken in public forums have unanimously stated that they do not want in town."

Robert 'dream Joe' Halderman $ 2M payday has become his nightmare

Robert (Joe) Halderman must have been on the roof of the world when he entered the branch of Bank of America, Connecticut Thursday morning. He went to a teller or stopped at an ATM, no one makes a deposit like that and a few steps without a receipt. Her white panties, the statement would read recently: "WARNING: $ 2,000,000. The credit available numbers has always been the usual depressingly modest few dollars before going broke. But commuters to Manhattan any time he would be a moment closer to that magic. Went to an ATM. He immersed himself in its map. He would punch in a password. And he would see these fabulous seven digits next to the words "credit available." Of course, Halderman was still a boy who had blown his marriage. Sure, he had taken with the young Stephanie Birkitt only for this report reveal. Of course, it came on the evidence that he had a relationship with Letterman. Sure, the thought must have tortured while he was alone in bed that he and Birkitt had once shared. Certainly, he must have thought that Letterman was untouchable. Until they arrived at a plan. But he had a check for $ 2,000,000. And well, it was like a blackmail or otherwise. Halderman Letterman had just sold a screenplay treatment. People sell the treatments of all time. Also for $ 2 million. Want to bet Diablo Cody could sell a treatment for this? Halderman Why not? Counsel for the time David Letterman has given control for the Essex House, Wednesday Halderman had to feel all their financial problems were a thing of the past. Gone are the days of sweating of the mortgage, home loan, child support. And there was something you could feel better money for himself. Letterman had to do his will. The proof is in the bank soon. E 'delicious must have been for Halderman if watching Letterman on Wednesday night. And how could he have looked like Letterman gave his monologue? "How are you?" Letterman started. Well, Dave, I can almost hear being said Halderman. "" Nice to see you folks. " Nice to see you, Dave. "You know, it's a special night," said Letterman. You are not a joke, Dave. "Tonight our program, the Madonna will adopt a member of the public." "I love Madonna, I am very excited when it is planned and will be interesting to see if the ring tonight old gets up, you know what I'm sayin '?" How to override the old stand if the whole world has discovered Stephanie and those of other agents? Halderman, or perhaps not even need to look. Perhaps it was enough just to have that check. He went straight to the Bank of America on Thursday morning, received the white sheet with "WARNING: $ 2,000,000. Then he went to work as if it were another day. Only it was not like other days. He came to W. 57th St. Cronkite size dimensions Couric silver money in his account. The money was then on the way to deposit funds available. Or so it seemed. Until such time as not all the investigators of the magic of the Office of District Attorney in Manhattan, took it. The first thing yesterday morning, Halderman came into her gray Honda led by Bank of America. He came for a few minutes, just long enough to slip the paper into the ATM, punch in your password and verify your account. Perhaps he was hoping against all reason to see that "$ 2000000" once

Arkansas AG warns against payday lenders on the Internet

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The state budget impasse strangled a day-Care Center

On the surface everything seems ok at the Radcliffe Learning Center for preschool children in Bristol Borough, Bucks County. Under the supervision of 15 employees yesterday, there were 80 children playing in the middle, a former senior citizens home in a quiet afternoon, working-district games and listening to stories they had read. But owner Christine DeLuca head at an ever faster to the impending doom, like the Pennsylvania Budget Stalemate to wear. With two thirds of their income from Harrisburg, childcare subsidies, which will not be until a new budget will be sent signed, she says that they can not observe the care of children who are not paid too much more. DeLuca said that she had gone up to $ 90,000 in personal savings in order to avoid the children turn away. As of last week, they went to pay employees at 20 hours to work with most volunteering at an additional 20 hours. So far, they are stuck with the center, DeLuca said, but "they can not work free for a very long time, sooner or later they will have to leave." Energy and utility costs go unpaid. A contract with the Diocese of Philadelphia was canceled food to help parents in Chipping supply of food is still served. One bank said it would postpone mortgage payments in the middle of three months, "said DeLuca." We're now four months. " The parents of state-funded children must now pick up their children at 3 clock, because the workforce, as a rule, they would get in a position as late as 6 clock About half of the Center's children should always pay most or all of their care by the public for financial support. Instead, since 1 DeLuca July has been caring for these children at risk, low-income families, without government compensation. Normally, she said, she would have received approximately $ 40,000 per month for it. Her parents "come to my office every day and say:" Please hold on my child, I can not lose my job, "DeLuca said yesterday." I was able to walk to the center of my private pay children, but I can not for the families of the other children. DeLuca is not alone. Opportunity to be included around 30,000 children in Pennsylvania state-funded programs in nursing loans with money from retirement accounts go unpaid, shall submit to raise money for the building improvements to side, and the lack of new supplies. In a Chester County Center, we "are the children as they crushed the legs work just as well say, as new," says Joanna Collins, one of the owners. Stretched around the country, child care businesses "to the limits - they do everything they can, but many of them have dismissed the employee and had to turn away children," said Kelly Swanson, director of communications and policy for the Pennsylvania Keys , a nonprofit organization for early education issues in connection with governmental agencies and child care work-organizations. "They keep trying so hard to help the children, but more and more difficult." A poll conducted by Swanson in early September 9000 is getting close to children around the state, without dismissing early childhood education or child care, which had otherwise always been, and more than 1,000 employees. By the end of September at least 15 child care providers around the country have begun their doors before the budget money to flow again, "said a welfare department spokeswoman Stacey Witalec, five of which closed in Philadelphia. Center at Radcliffe, DeLuca is not the only one injury, whether parents are also sharing the pain. Last week, the center said those who start their children in the state subsidy programs to pay $ 84 a week, far more than they would normally pay, but still only a fraction of what the state will send when funds were . The families working for minimum wage in the vicinity of themselves so that they can not afford private child care, "says DeLuca." And they can not afford to pay me for very long. " Bristol Borough resident Shawna Bell, mother of two children in the middle, and an Internet marketing production assistant, said that without Radcliffe, "I will probably end up on welfare .... I do not know where my kids would. While DeLuca expects his business to its equilibrium state funds come again to reach, they will not know for sure how much they will be satisfied that there are actually enrolled in a budget. "I think she is courageous," says Bell. "Many people will not be considered [] to open in the middle. It is one of the heroes, you do not hear very often." Another parent, Bristol Township resident Sandra Flesch, mother of two children in the center, said: "If I can not pay for daycare, so I have to keep them at home, and I will lose my job in customer service." There must do something

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Goldman Sachs score one billion payday CIT Fails

In a sign that commercial real estate industry is indeed in trouble, is the largest commercial CIT bib employees who provide a Chapter 11 bankruptcy reorganization, unless the bank can extract a final debt swap deal. And as always, the investment firm Goldman Sachs stands to be helped to his feet, while the American taxpayer loses again.In the case of CIT fails, Goldman benefited from a "whole" for a payment from the beleaguered bank one billion U.S. dollars, the result of the contract of A $ 3 billion in loans last year in CIT. Save the loan over five months, it came to the U.S. saved the lender through the purchase of 2.3 billion U.S. dollars preferred shares of CIT. When CIT is running, then lose the American taxpayers to the total investment 2.3 billion U.S. dollars. But Goldman Sachs to protect his back. Terms of the transaction with CIT CIT is required to pay Goldman makes a full payment of $ 1 billion, in case the borrower defaults on the loan or bankruptcy. In addition, Goldman continues its investment by buying credit default swaps, which would come due to a failure of CIT to protect. A spokesman for Goldman said the loan was not a "directional" commitment "at CIT," but to protect against the deterioration of security.

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