Archive for October, 2015

Thirty Best Merchant Cash Advance Services Named in September 2015 by …

Saturday, October 31st, 2015

NAPLES, FL–(Marketwired – September 27, 2015) – The thirty top merchant cash advance services have been named by for the month of September 2015. Each month of a team of researchers spend time identifying and reporting the top merchant cash advance services around the world to assist businesses in selecting the best service to assist them. The key objective of is to assist buyers in searching for impressive services based on established standards created by the independent research team. The resulting standards are used to uncover which solutions produce the best experience for clients in payment processing.

The main purpose of is to identify the most prominent merchant cash advance services the credit card processing industry has to offer. The rankings provide customers of these solutions with a listing of services which provide the best solutions based on the opinion of the independent authority with years of experience in research and analysis. The rankings are updated monthly based on the thorough evaluation process, client references, and industry research and analysis.

The 30 best merchant cash advance services for September 2015 are:

1) Leaders Funding

2) Strategic Merchant Solutions

3) CAN Capital

4) BankCard USA

5) RedFynn

6) Maverick Capital

7) Beacon Payments, LLC

8) Yellowstone Capital

9) Advance Funds Network

10) Everest Merchant Services


12) Rapid Capital Funding

13) CardSmart Merchant Services

14) Merchants Choice Payment Solutions

15) ICBA Bancard

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Crime In Hyderabad (21.9.2015)

Friday, October 30th, 2015

Youth murdered in Sultan Bazar

(Siasat News): The sensational incident of the murder of a youth took place near Sultan Bazar police station. Preliminarily, the youth Khader, 22, was found severely injured.

Police immediately came into action and shifted him to Osmania Hospital where he succumbed to his injuries. Police suspect that old enmity might have caused the murder of the youth.

The dead body is still there in the hospital for post mortem. Police has registered a case and further investigations are on.

Head constable caught red-handed with keep

(Siasat News): A head constable attached to Chhatrinaka police station was found with a woman in compromising situation. As per the details, the accused Madhusudan Reddy was found with his keep in a house situated at Saibaba Nagar in Uppuguda.

They were found in compromising situation by the woman’s husband Chaitanya. It is said that there was a judicial case pending against the husband for dowry harassment and due to this, both husband and wife were living separately.

The head constable took the advantage of the situation and not only befriended the woman but also formed illicit relation with her. He took a house on rent and used to spend ‘quality’ time with the said woman.

The irony of it is that the husband had caught them red-handed and handed them over to Chhatrinaka police where the woman recorded the statement against her husband.

Police has registered a minor case against the constable and allowed him to go.

Farmer ends life at Begumpet

(Siasat News): A ryot committed suicide near Begumpet. The deceased J Mallesh, 58 hailed from Ram Sagar in Medak and had obtained a cash loan for his crops.

However, he was not in a position to clear his loan. Then he reached the city on September 16 and recruited as a security guard at Kompally apartment. Though he was performing his duty but he was under mental pressure.

Last night, he took the extreme step of ending his life by hanging at old race course pump, Balamrai. A case has been registered and further investigations are underway.

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Andrea Giesbrecht to plead guilty to some fraud charges, lawyer says

Friday, October 30th, 2015

Andrea Giesbrecht, the Winnipeg woman accused of concealing the remains of six infants in a storage locker last year, plans to plead guilty to some unrelated fraud charges.

The 41-year-old woman is accused of defrauding Employment and Income Assistance of more than $5,000 between Dec. 1, 2011, and May 1, 2012.

She has also been charged with fraud under $5,000 for allegedly defrauding Xtra Cash Ltd., a payday advance business, in the period between Dec. 12, 2012, and March 21, 2013.

  • Andrea Giesbrechtto stand trial on fraud charges
  • Accused in dead infants casefaces more fraud charges
  • New details emerge about accused in dead infants case

Her lawyer, Greg Brodsky, confirmed to CBC News that Giesbrecht plans to enter a guilty plea to some of the fraud charges.

Giesbrecht appeared in court on Wednesday, but the case was put over because the Crown wanted more time to review defence documents, Brodsky said.

She is scheduled to return to court on Oct. 22 to deal with the fraud charges.

Giesbrecht previously pleaded guilty to fraud over $5,000 for borrowing$7,850 from an elderly woman, then writing bad cheques and not repaying her.

Court has heard that Giesbrecht, also known as Andrea Naworynski, had struggled with a gambling addiction for at least 14 years.

Meanwhile,Giesbrecht faces six counts of concealing bodies of infants after the remains were found on Oct. 20, 2014, inside a U-Haul storage locker that she had been renting. She will go to trial on those charges in April 2016.

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Poor Hasidic Jews Turned Wealthy Cash Advance Guys Wonder If There’s More To …

Thursday, October 29th, 2015

According to friends and business partners Abe Zeines and Meir Hurwitz, who decamped to Puerto Rico from Brooklyn for the tax benefits and live in a 6-bedroom house with several girlfriends apiece, there actually might be.

Zeines hasn’t learned Spanish or bought a boat. The mansion has what would be an infinity pool, but he doesn’t keep the water flowing over the edge. “Waste of money,” he says. For the Fourth of July, he had a pig slaughtered and roasted. The party was only OK. “It’s a matter of time before we get involved with something else,” Hurwitz says. “We can’t sit around and golf and f beautiful ladies all day.” Making some money hadn’t made Zeines happy; it just made him want more. “When I was younger, when I was poor,” he says, “I would have asked, ‘What’s the difference between $10 million and $100 million?’ There’s a difference.”

Plus, sitting around and golfing and f*cking beautiful ladies all day might sound like a dream life at first but what nobody ever tells you is its really kind of back-breaking work! If your net worth goes from $10 million to $100 million you can pay someone to golf and f*ck beautiful ladies for you.

How Two Guys Lost God and Found $40 Million [Bloomberg]

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Police arrest man in armed robbery of W. Toledo cash-advance firm

Thursday, October 29th, 2015

A Toledo man was arrested in the armed robbery Monday of a West Toledo cash-advance business.

Police said a man walked into Check Into Cash, 4925 Jackman Rd., about 12:45 pm, pulled out a gun, and demanded cash from a clerk. He fled with thousands of dollars in banded cash. A short time later, officers saw Nickolas Allen of 4125 Commonwealth Ave., whose age was not released, walking nearby in clothing like that of the robber and arrested him, officers said. Several banded stacks of money were recovered from his backpack, police said.

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Rush Card woes show risks of prepaid cards

Wednesday, October 28th, 2015

Remember the Kardashian Kard? It was gone in 60 seconds.

How about the Biebs card? Its been better received.

But the grand daddy of prepaid celebrity cards is the Rush Card, founded by hip-hop mogul Russell Simmons.

Its had a good 10-year track record, until now.

Glitch Leads to Frozen Accounts

Chelsea Miller of Cincinnatis Walnut Hills neighborhood said they were saying they were having scheduled maintenance last Monday, and that everything should be fixed by 8 am Tuesday morning.

But it wasnt.
Miller — like many other Rush Card holders — were still having problems accessing their money more than a week later.

My deposit was finally reflecting, but my card was not working at a store or ATM or anything, she said.

Cards Extremely Popular

Prepaid debit cards have soared in popularity, because they are convenient, dont require a credit check, and in many cases you can get a cash advance on your paycheck.

Thats why I signed up for the card originally, because they guaranteed a two day early pay period.

Card founder Russell Simmons has issued a personal apology.

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1 suspect dead, another injured in Cash Store robbery

Tuesday, October 27th, 2015

A holdup at a cash advance business in northwest Houston left one man dead, another in custody and a third at the hospital, authorities said on Thursday.

Houston police said three men attempted to rob a Cash Store on Tidwell near US 290 about 2:30 pm A gunbattle broke out when HPD officers arrived.

At the end, one of the suspected robbers was dead. A second man was shot and wounded. He was taken to Memorial Hermann. Authorities later said hes in critical condition.

The third robbery suspect fled and barricaded himself inside a nearby business. He was later arrested, police said.

The officers who shot at the suspects were identified asSgt H. Torres, a 28-year HPD veteran; Officer J. Sanders, an 8-year veteran and Officer T. Curtner who has been with the department for nine years.

There were no other reported injuries. The investigation is continuing.

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Choosing the Right Financial Service in Santa Monica.

Monday, October 26th, 2015

( Financial Services as your Service

Finances are generally the center of our lives. As we make money, spend money and try to save money, this is often the hot topic on the top our lists. Financial security comes with so many benefits, and it allows you to sleep better and get rid of your worries and concerns. It lifts a heavy load off of your shoulders, especially when you are sporting a pristine credit score. To the financial world you are viewed as reliable and responsible, opening many doors to financial opportunities and investments for you. With a financial status like this, there are so many financial services in Santa Monica that you can choose from.

But, sometimes, finding the right financial service in Santa Monica can be difficult. Especially when your credit score is nothing to be proud of, and you’re struggling to get through the month and cover the costs. Financial services were created to help people invest and grow their wealth, as well as to assist those in need, to guide them to managing their debt and improving their financial situation. Be it through financial consulting or through a variety of loans, financial services were created out of a major demand.

Find the right Service for Investments and Loans

The financial service in Santa Monica varies drastically, from conventional lenders and banks to loans and financial guidance. Its essential to choose the right type of service for your needs. When it comes to investments and growing your wealth, look at the options offered through your conventional lenders and banking institutions. When it comes to investing, your financial portfolio needs to look good, and that means that you are managing to pay your bills on time, stay out of debt, and own a great credit score. But if your financial portfolio looks quite different to this, choosing a bank as you financial provider is a bad idea. They have strict financial guidelines when it comes to investing and loans, and bad credit and debt are major red flags for them, in terms of your reliability.

If you find yourself on the other side of the spectrum to investments and growing your wealth, then you’ll be looking for a totally different financial service in Santa Monica. If you aren’t able to make ends meet, or you have found yourself without a steady source of income, your financial focus is on making more cash, and getting through each month. Looking into the many different loan opportunities today is definitely the right type of financial assistance for you.

For a fast and hassle-free financial service in Santa Monica, that will get you instant cash loans on the same day, take a look into car title loans, and you can’t go wrong. They offer you an instant cash loan that you can secure using your car as collateral and it comes with low interest rates on the returns. When it comes to financial services, find the right one that suits your needs!

Staff Writer; Michael Short

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Cash America International Receives Consensus Rating of "Buy" from Analysts …

Sunday, October 25th, 2015

Shares of Cash America International (NYSE:CSH) traded up 0.24% during trading on Wednesday, hitting $29.45. 236,164 shares of the stock traded hands. The company has a market cap of $782.99 million and a PE ratio of 20.13. The firm has a 50 day moving average price of $27.54 and a 200-day moving average price of $26.70. Cash America International has a one year low of $18.77 and a one year high of $30.14.

Cash America International (NYSE:CSH) last released its quarterly earnings data on Thursday, July 30th. The company reported $0.06 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.05 by $0.01. The business earned $236.50 million during the quarter, compared to analyst estimates of $247.87 million. The firms revenue for the quarter was down 6.7% on a year-over-year basis. During the same period in the previous year, the firm posted $1.04 EPS. Analysts anticipate that Cash America International will post $1.01 earnings per share for the current fiscal year.

Cash America International, Inc. (NYSE:CSH) supplies specialty financial services to individuals through its storefront lending and franchised check cashing places. The Company offers secured non-recourse loans, commonly known as pawn loans. The Company is also engaged in originating, vouching for, organizing or buying consumer loans in a few of its own places. Cash America also offers check cashing as well as other ancillary products, including wire transfers, money orders, prepaid debit cards and auto insurance. The Companys franchised check cashing company offers check cashing services through its franchised check cashing centers. The Company provides its services in the USA under the names Cash America Pawn, SuperPawn, Cash America Payday Advance, Cashland and Mr. Payroll. As of December 31, 2014, the Company had a total of 859 locations that offered pawn lending and consumer lending in the United States.

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LTC Properties’ Recent 5.9% Dividend Raise Makes It Worth Looking At

Saturday, October 24th, 2015

LTC Properties, Inc. (NYSE:LTC) is a healthcare REIT in the United States. It invests in senior housing and long-term healthcare properties. These investments include skilled nursing properties, assisted living properties, independent living properties, and combinations through mortgage loans, property lease transactions, and other investments. The companys portfolio currently includes 200+ assisted living, memory care, post-acute/skilled nursing and range-of-care properties in 29 states. It pays a 4.9% annual dividend.

The chart and table below describe LTCs portfolio in more detail.

(click to enlarge)

As readers can see, LTC participates in a diverse range of industries within the healthcare industry. The wide diversification allows for a more reliable income stream. LTC also practices geographical diversification (see map below).

(click to enlarge)

Further, the demographics of the healthcare industry are extremely positive for growth (and income). ObamaCare is expected to have added roughly 25 million new insured persons to the total insureds in the US by 2017. On top of that, the Baby Boomer Generation is just starting to reach 65 years of age. As the Baby Boomer Generation moves fully into retirement age, it will use more and more medical services (see chart below). This will provide huge growth potential for the healthcare industry (see charts below).

(click to enlarge)

Readers will want to notice that the number of hospital days of care per 10,000 population more than triples from the 45-64 year age group to the 65+ age group. The days of care for those 65+ years of age are more than six-fold the 18-44 year old age groups. The first chart shows that the percentage of the US population over 65+ will quickly rise from the mid teens to over 20% as the Baby Boomer Generation moves into that age group. This should drive growth in the industry for more than 15 years. It is a very positive thesis for investment in this area.

LTC also tries to invest in the top MSAs (Metropolitan Statistical Areas). 64% of its properties are in the top 100 MSAs in the US. Only 4.9% of its properties are not in an MSA or a Micro-MSA. There is usually limited space to grow in the center of these areas. Therefore, there is a stronger likelihood of greater occupancy and of greater ability to raise rents. Both of these are positives for LTCs AFFO and FAD.

LTC has good operator diversification (see table and chart below).

(click to enlarge)

The top two operators as of June 30, 2015 were Brookdale (12.4% of income) and Prestige Healthcare (12.4% of income). All of the other operators account for significantly lower percentages of LTCs annual income. This form of diversification again makes LTCs income stream safer and more reliable.

All of LTCs leases are triple net leases. Triple net leases allow for low administration costs. The tenant is responsible for all taxes, insurance, rent, maintenance, and other costs. The initial term is usually 10-15 years. Most leases provide for a fixed minimum base rent, annual rent increases, and often renewal options. LTCs weighted average remaining lease term is 8.4 years. As of June 30, 2015, 92% of all properties and 96% of all rental revenues were under master leases or cross-default leases. None are expiring in 2015. Only $2.4 million are expiring in 2016, and only $1.7 million are expiring in 2017. Again, LTC is in a relatively safe position.

LTCs debt is also in good shape. As of June 30, 2015, its Debt/Enterprise Value is only 19.2%. Its (Debt + Preferred)/Enterprise Value is only 21.2%. The Debt/Normalized EBITDA is a healthy 3.2x. The chart below gives a good top level picture of LTCs Capitalization as of June 30, 2015.

Through the end of 2017, LTC has only an average of about $26 million in debt maturing each year. This makes LTC very well positioned for a recession in the next 2-3 years, if one occurs. In other words, it should be a safe investment.

The chart below showing LTCs Dividend CAGR of 6.1% substantiates the value of LTCs strategy.

(click to enlarge)

Recent performance in Q2 2015 was good. LTC beat on revenue of $27.12 million (+8.4% year over year) by +$0.14 million. FFO was in line. FFO increased 6.5% to $24.0 million, up from $22.5 million from Q2 2014. FFO per diluted common share was $0.66 in Q2 2015 up from $0.64 in Q2 2014. Normalized FFO was $24.4 million ($0.67 per share) in Q2 2015. This was up +8.3% from $22.5 million ($0.64) in Q2 2014. The Q2 2015 Normalized FFO excludes a $400,000 one-time, non-cash loan loss reserve related to $40.0 million of additional loan proceeds funded during Q2 2015. The increase in FFO and normalized FFO was primarily due to higher revenues from mortgage loan originations, completed development projects, and income from an unconsolidated joint venture. This was partially offset by higher debt interest payments (more debt from financing deals) and higher general and administrative costs.

Net income available to common stockholders was $17.0 million ($0.48 per diluted share) in Q2 2015 compared with $17.3 million ($0.50 per diluted share) in Q2 2014. The decrease was primarily due to a gain on a sale recognized in the 2014 period.

In Q2 2015, LTC entered into an agreement to purchase a 10-property portfolio of assisted living and memory care services totaling 891 units for $142 million. Nine of the properties are in Wisconsin and one is in Illinois. On August 17, 2015, LTC closed on this deal. Simultaneously, it entered into a master triple net lease agreement with an affiliate of Senior Lifestyle Corp. for a term of 15 years at an initial cash yield of 6.5%. This will escalate by 25 bps at the end of each of the first two years. After that, it will escalate by 2.75% annually.

The table below shows some of the financial metrics of the various sectors of LTCs business.

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