payday loans in oklahoma city

Fort Worth Star-Telegram, Texas, Shlachter, Nishimura & Baker column

Fort Worth Star-Telegram, Texas, Shlachter, Nishimura & Baker column

Oct 20, 2011 (Fort Worth Star-Telegram - McClatchy-Tribune Information Services via COMTEX) -- It appears that the Fort Worth Chamber of Commerce doesn't have any issues with The Velvet Box boutique at Alliance Town Center in far north Fort Worth.

The retailer is the subject of a lawsuit filed recently by the shopping center owner, alleging that it violated lease terms by operating as a sexually oriented business, which it denies.

In the chamber's weekly electronic newsletter to members Wednesday, The Velvet Box is providing a $100 gift card as a drawing prize. Chamber members routinely donate prizes for those drawings, and the chamber said The Velvet Box is a member in good standing.

Turns out, the chamber has been handing out Velvet Box gift cards and items for some time. Store items have been raffled at the chamber's golf tournaments -- where attendance is mostly men -- and gift boxes with massage oils, lotions and books have been given out at its Women Influencing Business group.

Marilyn Gilbert, the chamber's marketing chief, in a statement praised Velvet Box's co-owner, saying Marcelle LeBlanc "proactively joined our chamber, and like many of our members, she recognized the importance of networking with other business owners and becoming involved in the business community."

Fort Worth police say the store does not fit the criteria of a sexually oriented business -- the claim leveled by the building's owner, Alliance Town Center, through its attorneys, Kelly Hart & Hallman. The shop is in the Sam Moon Center section at 9100 North Freeway.

The store sells lingerie, hosiery, massage oils, candles, vibrators and other sex aids, condoms, sex manuals and other books under the slogan Inspire Passion. A second store opened this summer on West Seventh Street.

Are Payday Loans The Right Solution For Your Financial Emergency?

Everyone from time to time find themselves in a financial bind in one sort or another. During these times we may often make rash decisions about how to fix the situation in the best possible manner. One of the solutions that many people use our payday loans. Borrowing money from these types of institutions can be the answer to an emergency financial situation, but one must understand exactly what the loan entails and also whether or not the cash lender has a good reputation.

Every city has many businesses offering what are called payday loans. Borrowers are able to contact these local lenders and request short-term loans to cover their financial needs until their next paycheck arrives. These types of loans are only meant to be for 30 days long usually. And although the interest rates charged are extremely high compared to long-term loans offered by banking institutions, the total amount of interest owed after just one month of borrowing is not significant.

Most of these loans are limited to $500-$1500 at a time. Also, many state laws prevent cash loan lenders within the state to lender the same person more than a specified amount of times. These types of laws are meant to keep people from becoming too dependent on these high interest loans for their short-term monetary needs. When payday loans are used to often, the high interest rates do become burdensome to the borrower since the rates apply for loans made month after month.

Additionally, many state laws nowadays limit the interest rates and the amount that can be loaned by the payday loan lending institutions. Before these laws were in place, there were many shady businesses who handled paycheck loans and charged extremely high interest rates even for their very short-term loaning. Many times, the paybacks required before regulation was put in place would be from 25 to 50% of the entire loan and that was only for 30 day loans.

The second thing that potential borrowers of quick cash loans need to understand is that they will have to have an active checking account before they can apply for the loan. The reason for this is that the checking account is used for depositing the proceeds of the loan into and also for making payment back to the loan company at the end of the loan. In other words, instead of the borrower having to write a check were coming in person to the loan agency, there checking account is automatically debited the total amount of the loan including the interest rates at the time specified, the payback time is usually the day of or after the next paycheck arrives into the checking account.

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