Online Loan Sharks - Where to Go Fishing for a Loan Today

The term Loan Shark brings to mind those financial gangsters who lend a Regular Joe a little bit of money at usurious rates. And, if the loan comes due and Regular Joe does not not have the cash, Regular Joe gets roughed up. And if he does not have the cash the next time the gangster comes around, Regular Joe might get a broken leg. Do not even think about the third time when Regular Joe does not have the cash.

This is probably a pretty good scenario of what goes on in the underworld. No way should you get caught up in that. Your life could depend on it. Anyway, if you need cash, you need cash. While you might be paying interest rates close to what a Loan Shark might charge, you can find lenders online who will advance you cash and you will not have to worry about getting a leg broken. And you have a few ways to go about it.

Use Your Paid-For Car as Bait for a Loan Shark

If you have a car, if it is a pretty late model, and if it is paid for, that is the title is in your name alone, you will qualify for an auto title loan. This cash loan puts up your car as collateral. There are lenders to be found on line, just punch car title loan into your web browser and start looking for best rates and repayment terms. Some pawn shops may offer this kind of loan, perhaps even a used car dealership. These places can usually come up with the cash you need, just be sure you make your payments on time. You will not get a broken leg, and that is a good thing, because you will be walking until you come up with the cash to make things right. Watch it, when you default the car is the lenders to sell.

Use Your Pay-Day as Bait for a Loan Shark

Once again, you can go online and punch in Payday Loan or Cash Advance. These lenders have gotten a pretty bad rap lately because they do charge exorbitant interest rates, especially if you find yourself extending the length of the loan. Look to pay it back quickly or you will be making interest-only payments for a long time. You may regret the bill when it comes due, but the reality being that a payday loan can get you through some difficult times. Depending on your pay and length of time on your job, you could get up to $5,000 deposited in your bank account within twenty-four hours.

Good Bait: Bank Account, Social Security Number, Job

So, if your credit record is not too good, these two ways are your best bet to get cash fast from an online loan shark. If you do not have web access, you can find these lenders in the yellow pages using the same keywords mentioned above. While it is not really fair to call these lenders Loan Sharks since they do operate within in the law. And they can be a big help if you have no other assistance in your time of need. A bank account, a social security number, and a job is about all you will need.

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Atlantic Yards and the Culture of Cheating (links)

I offer a framework to analyze and evaluate Atlantic Yards and the Barclays Center: Atlantic Yards and the Culture of Cheating.

Note: this post is post-dated to remain at the top of the page.

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Synergy! On June 12, FCR's Gilmartin to be honored at Brooklyn Hospital Foundation Founders Ball, held at arena

Atlantic Yards/Barclays Center developer Forest City Ratner has become the 800-pound gorilla of local philanthropy, offering not just relatively deep pockets but also an event space for certain groups.

The Brooklyn Hospital Center is a corporate partner of the arena, the latter presumably involving payments from the former in exchange for promotion. Now the hospital on June 12 will hold its 2013 Founders Ball at the arena.

Patch reported 5/15/13 that more than $1.3 million from the event will help modernize the hospital's emergency room, with all 840 tickets sold. (The event last year, held at Steiner Studios, raised $908,000.)

Gilmartin honored

The lead honoree? Forest City's new CEO MaryAnne Gilmartin, who'll receive the 2013 Founders Medal for "Voluntarism, Philanthropy, and Service to the Community."

A co-chair of the event is Brett Yormark, CEO Barclays Center & Brooklyn Nets, and surely the arena, team, and company will be making significant contributions to honor Gilmartin. It is not unlike the commencement activities held by Long Island University (an arena corporate partner) held at the Barclays Center, with Forest City Chairman Bruce Ratner getting an honorary degree.

Alternatively, Gilmartin also deserves credit for savvy business and rather bare-knuckled tactics.

As I reported last October, she spoke at an investor update 10/22/12, and revealed that, rather than build a platform over the blighted Vanderbilt Yard as plans long indicated, Forest City would first build four towers over the southeast block, now site of the arena parking lot.

Forest City's generosity & the media halo

Forest City's seeming generosity has strategic aspects. An award to Gilmartin helps establish the company's newly-elevated CEO as a significant player in Brooklyn, to which she has just moved from Westchester.

The money of course comes easier when the developer saves all kinds of money on free or discounted public land, from the city and the MTA.

And such events have already generated a media halo for those involved, while the press tends to ignore less flattering news, like the arena's leaking bass.

As New York Times columnist Michael Powell wrote yesterday, regarding Maurice R. Greenberg, the former C.E.O. of American International Group:

Mr. Greenberg has also trumpeted his good works. He has long spread money like seed corn to local charities. It’s a practiced turn; Mayor Michael R. Bloomberg uses his charitable giving as a sort of political force multiplier.
“New York,” a business leader notes, “tends to appreciate charitable giving no matter its source.”
TWO weeks ago, the Community Service Society, one of the city’s best-known left-liberal groups, put on a grand party in honor of Mr. Greenberg and that trusty lawyer, Mr. Boies. As the crowd showered the philanthropist with applause, they perhaps pushed out of their consciousness that Mr. Greenberg had supported the conservative Gov. Rick Perry of Texas for president and given heavily to efforts to beat back tighter financial regulation.

A tip-off event at arena

As seen in the screenshot below, the Brooklyn Hospital Foundation held a tip-off event at the arena, featuring "basketball legend" Darryl Dawkins, who's always handy to lend some giant authenticity and fun to a Nets event.

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Barclays Center racks up awards; judge says "no one wanted to touch" scale issue of housing "because it's not built yet"

The Daily News (which sponsors the arena plaza) reports Barclays Center among Brooklyn's newest architectural standouts honored by Chamber of Commerce: The arena, home to the NBA's Nets, wins "Building Brooklyn" award for economic development. Other winners include Williamsburg's Wythe Hotel and the Botanic Garden's Vistor Center:

The Barclays Center — reviled by many during development, championed by many more, and filled by hundreds of thousands of screaming fans during its debut season — has won top honors for economic development in the Brooklyn Chamber of Commerce’s annual “Building Brooklyn” awards to be announced Tuesday, the Daily News has learned.
“There isn’t a city in the world that wouldn’t beg for Barclays Center,” Chamber President Carlo Scisurra said. “It’s in the hundreds of millions of dollars what that means to the borough annually.”

I think it's hundreds of millions of dollars for the operators, not the borough.

What about the scale?

The newspaper reports:

“The impact of architecture on society and its impact is either ignored, not known, or a very subconscious thing,” said Brooklyn architect Walter Maffei, a jury member. “The discussions became heated when we got into how exactly these buildings affect their surroundings. Everyone has an opinion on that.”
And the Barclays decision?
“All the judges agreed overwhelmingly that Barclays Center is a world-class building and economic engine,” Maffei said. “The idea that the housing aspect was out of scale was ignored. No one wanted to touch it at this time because it’s not built yet.”

But aren't there models? And don't the jurors know that the plaza view of the arena was never planned, because a tower over 510 feet is supposed to be built, and the jobs inside were crucial to the cost-benefit analysis?

An award from Architizer

Architizer, an online architecture database, reported 5/17/13, Go Brooklyn: SHoP Architects’ Barclays Center Wins Architizer A+ Building Of the Year Award:

Having garnered the most Popular Choice votes among all of the Architizer A+ awards entries, SHoP Architects was presented the Building of the Year award by Barclays Center and Brooklyn Nets CEO Bret Yormak at Thursday evening’s Architizer A+ Awards Gala.
“It’s impossible to describe the thrill of seeing a building you drew sitting in the heart of Brooklyn and filled with 18,000 screaming fans,” said SHoP Architects’ Chris Sharples & Jonathan L. Mallie. “Brett and Forest City Ratner are special. Clients with vision and a belief in the power of architecture. No good building gets built without that kind of support.”
“That’s why this award that celebrates breaking architecture out of the echo chamber is such an honor to win. This building is designed for every sports fan, every concert goer, every commuter that passes by the Center every day,” said the designers. Indeed, SHoP Architects are living their Multifesto: “Redefine Design Practice.”

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Bruce Ratner: arena = "fortress real estate" because it can't be duplicated easily, has REIT-like qualities

There are a couple of interesting nuggets in the 3/15/13 CNBC Squawk Box interview with Forest City Ratner Chairman Bruce Ratner, focusing on Nassau Coliseum Getting a Facelift.

"It's more exciting than I thought it would be," Ratner said of the Barclays Center. "I knew it would be great, never thought it would be this great. It's become an icon almost overnight, in eight months. It's amazing. It has to do with everything: it has to do with the team, the architecture, Brooklyn, it all really did come together in the kind of way that I think was almost unexpected by most people. I knew it would be special, this special I didn't expect."

It has to do with the team, or the rebranding?



The need for competition

One host, mentioning how Madison Square Garden's exterior hasn't changed--actually, the interior makeover approaches $1 billion--asked, "isn't it important to weave competition in this market for big events in New York City?"

"This is an area that's 16 million people, the tri-state area. you have to have competition," Ratner responded. "And if you think about it, having basically one arena can't serve everybody... and that's what this created. and, of course, the brand is critical. The Brooklyn brand, the idea of an arena, which is iconic looking, that's important too. Everything is really new and up to date on our arena and that's what really makes a difference."

You have to have competition. That's a huge irony, given the story of the Atlantic Yards project--in which the city and state agreed to back Ratner's plan from the start.

Arena = "fortress real estate"

One host asked, "Are you surprised by the fact that live sporting events and concerts continue to draw such premium prices?"

"No, I'm not at all surprised. and I realized that for a long time," Ratner responded. "It is all about content. Content, content, content. Whether it's sports or content or concerts and live is critical. So I realize that and having an arena is a very special thing because I use the word fortress. It's fortress real estate in a way. meaning it is something when you create it that can't be duplicated easily. Look, in almost half a century, this is only the second arena after MSG in an area this large."

That's why a non-competitive process seems more glaring.

Arena like a REIT?

Ratner added, "I will say arenas today because they are in some sense franchises and they are live content, my guess is that they sell in the REIT [real estate investment trust] category. They're like REITs almost. That's the kind of multiple, I think."

What are the attributes of REITs? According to REIT.com:

REITs are required to distribute at least 90 percent of their taxable income to shareholders annually in the form of dividends. Significantly higher on average than other equities, the industry's dividend yields historically have produced a steady stream of income through a variety of market conditions.
In addition to the investment performance and portfolio diversification benefits available from investing in REITs, REITs offer several advantages not found in companies across other industries. These benefits are part of the reason that REITs have become increasingly popular with investors over the past several decades.
REITs' reliable income is derived from rents paid to the owners of commercial properties whose tenants often sign leases for long periods of time, or from interest payments from the financing of those properties.
Most REITs operate along a straightforward and easily understandable business model: By increasing property occupancy rates and rents over time, higher levels of income may be produced. When reporting financial results, REITs, like other public companies, must report earnings per share based on net income as defined by generally accepted accounting principles (GAAP).
In short, REITs over time have demonstrated a historical track record providing a high level of current income combined with long-term share price appreciation, inflation protection, and prudent diversification for investors across the age and investment style spectrums.

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Today's big story: the Barclays Center's "signature scent"

Apparently the Barclays Center, like some other sports venues, mists a "signature scent" (citrus-y, clean, depending on whom you asked)  to enhance the visitor experience, as DNAinfo reports in a story that got picked up widely, including by Deadspin, The Atlantic Wire, and Racked (where a commenter says it gets pumped outside the Calvin Klein VIP entrance).

While Leslie Albrecht's article quotes a sports reporter at SNYNets as saying, "It's a brand-new building. They've spent over a billion dollars. [The scent] kind of goes along with the whole over-the-top nature of the building," Ball Don't Lie's Kelly Dwyer is more skeptical:

The Nets have declined comment on the fragrance, and for good reason – even the best of press release mavens would have a hard time accurately describing why, exactly, one would decide to pay to have scented air pumped into Barclays Center, much less describing the scent in un-mockable terms and explaining why it’s fit for the team’s arena.
...No, the Barclays Center should naturally smell like the high end artisanal pretzel rolls and craft brews it offers its patrons, and not some imperceptible, “citrus” (which is a descriptive word all of us go for when we have no idea what a certain wine, cigar, or perfume smells like) odor that the Nets are paying for on top of the four years and $89 million they’ll pay Joe Johnson between last summer and 2016.
It’s their arena, their money, and their ventilation options. We’re just wondering why this ownership group even bothers, for just a first round team.

Well, that's likely because the arena has many more events than Nets games.

Neil deMause of Field of Schemes writes:

It’s only fitting that the Nets are resorting to this, given that they were among the first franchises [in 1997]  to pipe in fake crowd noise to make it sound like fans were actually cheering.

We'll see if any other story about the Barclays Center--like its "signature noise leakage" and consequent fine--gets such play.

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Barclays Center reneges on promise to line up general admission patrons toward the plaza, not Sixth Avenue

Fans wait outside Atlantic Ave.
entrance for tickets for The Killers

So, here's how Barclays Center officials made a promise, and completely failed to honor it.

In April, general admission patrons for the April Green Day concert formed queues going east of the Atlantic Avenue entrance, clogging a narrow sidewalk, wrapping around to Sixth Avenue, and blocking and endangering ordinary pedestrians.

Arena officials seemed concerned. As I reported 5/8/13, Barclays Center Community Affairs Manager Terence Kelly said at a community meeting that, going forward, people would line up east to west stretching toward the arena plaza.

That's not what happened this past Saturday, as would-be general admission patrons for The Killers began lining up at 7 am, and were again directed west to east, stretching around Sixth Avenue.

But why?

I haven't heard an explanation. Maybe this configuration helps the two businesses, MetroPCS and Elbow Room, that are open along the Atlantic Avenue facade.

But it sure won't be workable if and when a residential tower, with ground-level retail, opens at the northeast corner of the arena block (which is the southwest corner of Atlantic and Sixth avenues). Then again, that's the third residential tower planned, some years off.



Any explanation?

Given that Kelly typically does not respond to my queries (nor does the arena spokesman), I contacted him via Twitter yesterday morning to raise the issue. No response.

@heyitsterence Didn't you promise #BarclaysCenter patrons wuld line up from plaza, not 6th Ave? atlanticyardsreport.blogspot.com/2013/05/at-com… @ayinfonyc found diff
— Norman Oder (@AYReport) May 19, 2013

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