Gotham FC Wins 2nd NWSL Title in 3 Years

By Noah Zimmerman

noah@queensledger.com

Confetti flew in Manhattan on Monday to celebrate another NWSL title for Gotham FC. The Bats won their second women’s soccer title in three years, emerging as a dark horse from the 8th and final seed in the playoffs to beat the top-seeded Kansas City Current, 4th seeded Orlando Pride, and ultimately the 2nd seeded Washington Spirit.

From June 13 until October 5, Gotham were only defeated once across all competitions. The run of 9 wins and 6 draws saw them rise up into postseason contention while also helping them qualify for the CONCACAF Champions Cup semifinals in May of 2026. With the amount of talent on the roster, it was shocking to see Gotham finish so low in the standings. Still, when it came to the postseason they looked more than up to the task.

Leading the line all year for Gotham was Esther González, a veteran Spanish striker. González scored 13 goals in the NWSL campaign, adding another pair in Champions Cup action. USWNT star Rose Lavelle scored 6 in the regular season, but her biggest of the season came in the Cup final against Washington. After a series of stepovers by Brazilian international Bruninha, Lavelle unleashed a first-time strike from the top of the box.

The ball curled past Spirit goalkeeper Aubrey Kingsbury and into the left hand corner of the net, with the Gotham players swarming to embrace the potential game-winning goalscorer. Gotham were able to see out the final 10 minutes of regulation, as well as 7 minutes of added time before the final whistle blew to crown them champions.

With multiple members of the USWNT on the Gotham roster, USA legend Megan Rapinoe was seen celebrating on the pitch with her former teammates. Gotham has five members of their roster called up for the USA’s upcoming friendly matches against Italy. Joining Lavelle are defenders Lilly Reale and Emily Sonnett and midfielders Jaelin Howell and Jaedyn Shaw.

Additionally, four other Gotham players will be joining their national teams for upcoming matches. Goalkeeper Ann-Katrin Berger will suit up for Germany as they take on Esther González and her Spanish national team. Bruninha and Gabi Portilho will both head to Europe with the Brazilian national team for a pair of friendly matches against Norway and Portugal.

NYC Upset the Union, Head to Miami for Conference Finals

By Noah Zimmerman

noah@queensledger.com

In stunning fashion, New York City FC upset the top-seeded Philadelphia Union on the road, punching a ticket to Miami for the Eastern Conference Finals. Even without star striker Alonso Martinez, who suffered a knee injury while on international duty, and midfielder Andres Perea, injured in the Round 1 finale against Charlotte, New York were again able to find the net through a moment of brilliance.

It was NYC club legend Maxi Moralez who scored the lone goal in the match, getting on the end of a gorgeous through ball from Nico Fernandez after a great inside cut by Agustin Ojeda. The 38-year-old Argentine midfielder tucked the ball past Philly goalkeeper Andre Blake just ahead of the half-hour mark, sending the sizable contingent of traveling NYC fans into a frenzy.

For the last hour of the match, the City defense rose once more to the challenge. Despite the Union’s persistent attack, only 5 of their 18 shots were put on target. The centerback pairing of Justin Haak and Thiago Martins was nearly impenetrable, with Raul Gustavo and Tayvon Gray equally impressive on either side of them.

Standing tall between the posts and playing hero multiple times was Matt Freese. The Pennsylvania native made his Major League Soccer debut for the Union back in 2019, and in 2021 manned Philadelphia’s goal against New York City as the Boys in Blue won 2-1 en route to their first MLS Cup title.

In his first postseason appearance against his former club, Freese put on a remarkable display. “Matty Ice” saved all 5 Union shots on goal, including an otherworldly stop at the near post against Francis Westfield in the 74th minute and a long-distance strike from Milan Iloski in 2nd half stoppage time.

NYC had only a few looks at Philly’s goal after Moralez opened the scoring, the most notable being a bold attempt by Nico Fernandez from midfield. Nico spotted Blake off his line before attempting to curl the ball past him from inside his own half, forcing the Jamaican international to sprint back and just barely clear the ball off the goal line. Blake instantly grabbed at his hamstring, and after a few minutes he was forced into a substitution.

The Union subbed on top prospect Cavan Sullivan with 10 minutes remaining in regulation, but the youngster was just barely unable to set up Bruno Damiani, whose shot was blocked at the top of the box. NYC were able to see out the final minutes, and again the stadium fell silent aside from the travelling fans as the full time whistle blew.

The win marks New York’s third trip to the Eastern Conference Finals, having visited the Union both in 2021 and 2022. Now New York will head down to Florida for their third matchup with Inter Miami CF this year. It will be the second postseason contest between the two clubs, with NYC winning 3-0 in 2022. This will be the first time they face Lionel Messi in the playoffs, with the all-time great winning the league’s Golden Boot and contributing to all four goals in their Eastern Conference Semifinal win over Cincinnati.

Kickoff from Chase Stadium in Ft. Lauderdale will be on Saturday, November 29, at 6pm. The winner will advance to the 2025 MLS Cup Final against newcomers San Diego FC or the Vancouver Whitecaps, slated for December 6 at 2:30pm.

Soccer Schedule Shift Coming to MLS in 2027

Major League Soccer will join other top leagues playing from Summer to Spring

Noah Zimmerman

noah@queensledger.com

Last Thursday, Major League Soccer’s Board of Governors voted to align the season schedule with that of most top professional leagues worldwide. In 2027, following an abbreviated transition season, MLS will hold matches between late Summer and Spring, with a sizable winter break.

“The calendar shift is one of the most important decisions in our history,” claimed Don Garber, the Commissioner of Major League Soccer. “Aligning our schedule with the world’s top leagues will strengthen our clubs’ global competitiveness, create better opportunities in the transfer market, and ensure our Audi MLS Cup Playoffs take center stage without interruption. It marks the start of a new era for our league and for soccer in North America.”

The move was expected after two years of deliberation, and it’s not one that had unanimous support by teams and fans. Even with the winter break there are concerns regarding harsh weather in cold markets and the loss of some summer matchdays. There’s also the possibility that MLS finds it more difficult to compete with other major sports leagues for attention, both domestically and abroad.

Still, this is a move that primes the league for a new era of continued growth. By lining up with other leagues, MLS can take full advantage of player purchases and sales in the Summer transfer window. It also lets the league avoid conflicts with mid-Summer tournaments like the Gold Cup, though the schedule shift won’t come in time for the 2026 World Cup hosted in the US, Mexico, and Canada.

Between February and May of 2027 the league will hold a shortened 14-game season with playoffs and a MLS Cup Final. Then in mid-July the league will kick off its first season with the new format, playing until the Winter break in mid-December. Matches will resume in early February of 2028, with the regular season terminating in April and the 2027-28 playoffs in May.

What’s the benefit to the league?

First and foremost, Major League Soccer will see a drastic change in their ability to maximise both the summer and winter transfer windows. In most seasons MLS clubs have faced difficulty not only signing top talent but integrating them into their lineups. Additionally, it’s often been difficult for clubs to sell their promising young talents to bigger clubs without derailing their season. 

With the summer transfer window (usually running from June/July until early September) directly in the middle of the MLS season, it’s difficult for new signings to find their feet and mesh with their new clubs.

Now new Summer signings can participate in preseason training and Winter signees won’t need to wait months for matches to begin after leaving their clubs in the middle of an active season.

Playing from the Summer through the Spring is not out of the question and it’s something done by plenty of local soccer leagues. In the New York Metro area the American Premier Soccer League (APSL) and Cosmopolitan Soccer League (CSL) have both played along similar schedules for years, with a Fall season running from September to December and the Spring season taking place between March and June.

Despite the frigid winters, play is still possible with only a handful of postponements due to inclement weather and snow-covered fields. Some leagues even hold cup tournaments in late January and February, two months that will be avoided during the MLS season’s Winter break.

Are there any major drawbacks?

Of course the Winter weather will always be a concern, as matches are already played on snow-covered fields and sometimes in subzero temperatures. Just earlier this year, Sporting Kansas City hosted Inter Miami CF in a CONCACAF Champions Cup match in late February with temperatures under 4 degrees.

Fans of teams like Toronto, Montreal, New York/NYC, New England, and Colorado will be bracing for the effects of the schedule shift. Many of those clubs face sparse attendance in the colder parts of the current season structure and rely on Summer games to make up for the lost revenue. Now without many of those warmer weather games (especially for clubs who miss the postseason) it may lead to even worse attendance issues.

This also brings into question if the new schedule will provide an unfair advantage to teams in big southern markets such as Los Angeles, Miami, and Atlanta. It’s unclear if the league will schedule more home games for those clubs during the colder months to help avoid cancellations and sparse attendance, but if they do it could lead to some clubs going months without a single home game.

Another possible negative impact is in regards to media share and attention. With MLS competing with the NBA, NFL, NHL, and other major soccer leagues, it may limit the league’s ability to draw and keep eyes on their product. Many clubs play in markets with popular basketball, hockey, and football teams, meaning that fan focus may not fall on the soccer pitch during a majority of the season. 

For many of those fans, it’s easier to mix soccer in with a baseball season featuring well over 100 games rather than miss more pivotal matchups in other sports. How they’ll react once the schedule is updated remains to be seen, but it doesn’t bode well given MLS.

What does this mean for New York City FC?

With the schedule change coming the same year as the grand opening of Etihad Park in Queens, questions are already flying regarding what that means for the new stadium. Will there be extra efforts to provide heating? Will there be new efforts to weather-proof the facility? Will the stadium be available for the 2027 transition season or will it wait to open doors until the 2027-28 campaign later in the year?

So far the club has remained tight-lipped about the impacts to their new stadium. Still, the front office has voiced clear support of the schedule shift, noting its benefits especially in major soccer markets.

“Soccer is already seeing incredible levels of growth in North America, and aligning the League’s schedule to follow the international calendar provides us with the best opportunity to continue building off this momentum,” said New York City FC CEO Brad Sims following the league’s announcement. “Especially with the much-anticipated FIFA World Cup 26 coming next summer, followed shortly by the opening of our future home in Etihad Park, this decision could not come at a better time.”

New York City FC alluded that an official update on their new stadium’s availability for 2027 will come in the future, but it’s not likely they’d pass up an opportunity to finish completing the stadium for a full season rather than rush the finishing touches in time for an abbreviated one.

Apple TV deal drops paywall

Another piece of MLS news this past week was that Apple TV will no longer charge for the MLS season pass, dropping a paywall that limited the league’s reach during a valuable period of growth. Fans will still need an Apple TV subscription to enjoy matches, but without the extra $80 ($100 for those not subscribed to Apple TV) per year, the league will be far more accessible across the country and beyond.

This is a move that should do well to combat the competition with more popular sports throughout the MLS season, but the requirement still does limit the league’s reach beyond Apple TV subscribers. Apple has done relatively well to broadcast all Major League Soccer contests, but it’s difficult to ignore a lack of MLS presence outside of their platform. 

Hopefully with the calendar adjustment and lack of additional paywall Major League Soccer can pick up some new momentum, especially with the World Cup kicking off in 2026.

Green Asphalt to Pause Operations

Green Asphalt’s low smokestack. Photo via @shut_down_green_asphalt_lic on Instagram.

After years of polluting Greenpoint, a plant billed as climate-friendly is closing temporarily for safety modifications. What took so long?

By COLE SINANIAN

news@queensledger.com

Green Asphalt, an asphalt recycling plant in Long Island City that’s caused noxious air pollution in Greenpoint and Blissville for years, will likely cease operations on December 11 until it completes an extension of its smokestack. 

Green Asphalt CEO Michael Capasso committed to closing the facility in a phone call with state regulators and local elected officials earlier this month. The news came after the New York Department of Environmental Conservation (DEC) had fined the company $124,000 for years of spewing foul-smelling fumes from its low smokestack into the surrounding neighborhoods, and for failing to submit emissions monitoring reports between 2019 and 2023. State regulators say doubling the smokestack from its current 45ft to 90ft will help reduce pollution at street level. 

“Raising the stack height will improve dispersion of air emissions that historically have contributed to odor complaints in the surrounding community and will ensure that emissions meet stringent environmental standards,” wrote DEC communications specialist Adanna Roberts in an email statement. 

A real headache 

According to City councilmember Lincoln Restler, the company has yet to submit construction plans to the Department of Buildings. In a series of text messages, Capasso confirmed that construction of the smokestack had yet to start as of November 16, and it is unlikely that the smokestack would be complete by the December 11 deadline. 

“It hasn’t started and it doesn’t look like it will be ready to be raised by Dec 11,”  Capasso wrote. “Unfortunately there will be numerous employees laid off and will be out of work.” 

But to Greenpoint and Blissville residents, who’ve submitted hundreds of complaints to the DEC and repeatedly called Green Asphalt to no avail, the news is a welcome development after years of tar smell choking their streets and wafting through their windows. 

“It smells like burning tires,” says Thomas Mituzas, a lifelong Blissville resident with deep family roots in the neighborhood. “When you’re outside, it gets in your throat, your eyes, you taste it on your tongue, on the back of your throat.” 

Mituzas lives with his 96-year-old great aunt in a house that’s belonged to his family since 1907. Blissville and neighboring Greenpoint are industrial areas full of heavy industry, so Mituzas is no stranger to weird smells in his neighborhood. 

But since Green Asphalt first opened in 2011 at 37-98 Railroad Ave, he says the smell coming from the plant has gotten worse. When the wind blows in the right direction the clouds wafting from the low smokestack cause poor air quality and health issues at street level, Mituzas said.

It has a particular effect on his elderly aunt, who likes to enjoy her time outdoors. 

“She has to sit down,” Mituzas said. “She’s 96.  She’s a very active woman so she likes to go outside. And if the wind is blowing the right way, she can’t go outside. She can’t breathe.” 

Jens Rasmussen lives less than a mile from the plant with his wife and toddler, on the other side of Newtown Creek. A 30-year Greenpointer, Rasmussen said the smell is especially bad over the summer, and that while there are numerous air quality issues in Greenpoint, Green Asphalt’s contribution is particularly egregious. 

“It’s overpowering, like someone is pouring asphalt in your house,” Rasmussen said. 

Between Green Asphalt and DKN Ready Mix, a nearby concrete supplier that’s also made the news for its pollution, Rasmussen says the air quality in Greenpoint is among the worst it’s been since he’s lived in the neighborhood. 

“These companies are not good neighbors,” he said. “They’re happy to externalize their pollution and their costs to the community instead of taking reasonable and appropriate actions to make their facilities safe for the people nearby.” 

Green Asphalt’s official operating hours are 6am-2:30pm, but neighbors say the plant will often operate in the evenings as well. The evening of Wednesday, October 29, Mituzas, said, was particularly bad. A website built to track Greenpoint air quality complaints submitted to the DEC shows an enormous spike on October 29, with a total of 110 complaints submitted in a single day, 60 of which were first-time reporters. 

In meetings with residents and elected officials, Green Asphalt management has denied that the plant is the source of the smell. But residents say it’s obvious, as its emissions are perfectly visible. An Instagram page called shut_down_green_asphalt_lic documents the plant’s fumes almost daily. 

Online air quality monitor purpleair.com shows Greenpoint as having some of the worst air quality in the city.

Recycled Pavement

The Green Asphalt plant in LIC has been operational since 2011, and was originally built to produce 100% reclaimed asphalt pavement, or RAP, a kind of paving substance composed only of recycled materials. According to Green Asphalt, the plant is the first of its kind in the country. 

Since its opening, Green Asphalt has worked closely with City and State agencies to help maintain roads and ensure sustainability goals are met. In 2013, the company was awarded a pothole repair contract by the NYC Department of Transportation (DOT), filling potholes throughout the five boroughs with its recycled asphalt. Later that year, the company participated in a DOT pilot project testing the efficacy of fully recycled asphalt in paving roadways. The DOT owns and operates two asphalt plants— one on Northern Boulevard in Queens, and another on Hamilton Avenue in South Brooklyn. Combined, these city-owned plants produce 75% of the asphalt used by the City. The rest of the City’s asphalt is supplied by a handful of private producers, like Green Asphalt.

Green Asphalt has played a major role in the City’s road maintenance and sustainability operations. Per its website, the company has provided two million tons of recycled asphalt to the New York City Metro, producing approximately 100,000 tons of asphalt per year and turning a $10 million annual profit. 

“We’re just looking for an opportunity to provide that benefit to the City of New York while reducing carbon footprint emissions all at the same time,” CEO and owner Michael Capasso at a January 2025 meeting of the City Council’s Committee on Transportation and Infrastructure. 

Capasso is well-connected at both the local and national level. In 2022 , he was appointed to Mayor Eric Adams’ Capital Process Reform Task Force. And this past summer, he was appointed to the US Department of Transportation’s 12-member Advisory Board by Transportation Secretary Sean P. Duffy. 

Five years too late

Despite the enormous volume of complaints submitted to the DEC, it took years for state regulators to pursue enforcement against Green Asphalt, filing a consent order only after State assemblymember Emily Gallagher’s office collected and submitted her constituents’ complaints to the DEC. Gallagher organized a town hall about the Green Asphalt plant at Greenpoint’s Polish Slavic Center on September 16, the same day that the DEC issued its consent order. Along with Gallagher and Capasso, DEC reps attended the meeting, as well as councilmember Restler and State Senator Kristen Gonzalez, in addition to 150 members of the public. 

Mituzas, who also attended the town hall, said Capasso personally called him the night before the meeting in an attempt to assuage his concerns about the company’s activity. Mituzas, having previously spent years sending emails and calling Green Asphalt to no response, was unimpressed. 

“What I said to him was, ‘you’re about five years too late, my friend,’” Mituzas said. 

According to Restler, the company had previously committed to extending its smokestack earlier this year. 

“They have been telling us for the better part of a year that they were going to imminently submit plans to the Department of Buildings to double the height of the smokestack and address this issue,” Restler said. “I’ll believe it when it happens, and not a moment before.” 

Once plans have been submitted to the Department of Buildings, Restler said, construction on the smokestack should take only a few weeks. But in an email statement to the Star, Green Asphalt Chief Marketing Officer Kerianne Melillo called the smokestack extension a “complicated construction endeavor.”  

“We are working with engineers to finalize a design that complies with local statues and achieves the desired result,” Melillo wrote. 

Once the smokestack  is complete, Green Asphalt must begin to submit DEC-approved emissions testing to ensure no toxic contaminants are released into the community. In her email statement, Roberts clarified that a complete assessment of the facility and the health threats it may pose to the community will be conducted after the new stack  is complete. 

“By collecting measurements from the stack and locations of potential fugitive releases, DEC will gain a more complete picture of the operations at the facility to address the community’s concerns,” she wrote. 

Roberts added that Green Asphalt conducted an odor-sampling assessment in 2024 and found “reduced sulfur compounds,” which are known for their smell, and that a more rigorous assessment was needed and would be conducted in January 2026. 

In his text messages to the Star, Capasso insisted that his company had already submitted test results to elected officials. But according to Restler, the data that Capasso provided via email was unsatisfactory. 

“I don’t put a ton of faith in that dataset,” Restler said. “It was conducted by ownership without any independent health experts advising on the methodology and rigor.” 

Restler said his office is currently working with the Newtown Creek Alliance, a local environmental group, and an NYU professor to conduct an independent test of Green Asphalt’s emissions in the coming weeks.  

“The most important thing at this stage in the process is that Green Asphalt is shutting down in less than four weeks,” Restler said. “And I am optimistic that their fix will address the issues that have caused such concern in our community.” 

Dream or Trap: Is Now the Right Time to Borrow?

Many Americans rely on loans to turn big dreams into reality. Yet, borrowing has become more expensive, so every applicant has to think several moves ahead. The most meaningful thing is that before you sign any note, remember to assess the current situation on the lending market and carefully check out your loan rates and terms to determine whether they are fair and the loan payments are within your means. Let’s learn the situation and find out if the loan is worth taking out today.

What’s Happening to Credit in America?

Belief in the American Dream still rests on access to credit, but the same tool now demands stricter discipline than in the early 2000s. Total household debt reached $18.04 trillion by the end of 2024, a new record fueled by rising balances in every major category.  The average credit card APR hovers just nearly 22.75%, and the average personal loan offers 12%. The average 30-year fixed-rate mortgage APR is currently around 6.94%.

The Debt Picture in 2025

Mortgage balances reached $12.61 trillion in 2024, and auto loans set their records. The share of revolving accounts ninety or more days late raised above 5%. Moreover, wage growth slowed to a pace barely ahead of inflation. Credit scores slipped from an average of 716 to 714, small on paper yet large enough to push applicants into costlier pricing. Lenders now prefer borrowers whose debts stay under 36% of their income and who have at least two years of on‑time payments.

Economic Signals Of When to Borrow Money

You should pay attention to several meaningful factors that can help you decide:

Inflation, Policy Rates, and Bond Yields

Headline inflation cooled from 7% in 2022 to roughly 2.8% today, but the Fed’s rates stayed high. Short‑term benchmarks remain above 5%, and traders expect only two quarter‑point cuts before year‑end. Mortgage shoppers, therefore, face 30‑year fixed rates near 6.9%, barely below last autumn’s seven‑percent ceiling.

Employment Trends and Borrower Safety Nets

Unemployment is around 4%, but sectors like construction and tech are already feeling the pinch. Losing your job is still the top reason people fall behind on bills. If your industry has paused hiring, hold off on big new loans until you’ve gotten three raises or have six months of steady pay.

Credit Availability and Score Drift

The average FICO scores are lower than last year but still healthy overall. People with excellent credit scores get even stronger, and those with lower scores face more loan rejections. Pull your free credit report from each bureau, freeze your file, and correct any mistakes at least 60 days before you apply.

When Are Loans a Good Option to Use?

Loans make sense only when they are needed for emergencies. The good reasons are:

  • Securing housing
  • Consolidating debt
  • Covering emergencies
  • Financing education
  • Buying a car you need
  • Covering treatments
  • Starting a business

When Is the Best Time to Apply for a Loan?

Deals on personal loans often appear in late spring, when home‑buying season starts, and again in late autumn, when lenders race to hit year‑end targets. In these periods, approval systems may cut your interest rate by 0.25%, saving you hundreds over a multi‑year loan. After the first rate drop, average personal‑loan APRs tend to fall 0.30-0.60% within three months, and mortgage fees for the same rate can drop about 10%.

What You Will Pay for Each Loan Product

Different loans have different terms. Here’s an overview of the most commonly used loan options.

Fixed‑Rate Personal Loans

Banks and credit unions now quote fixed terms between 24 and 60 months with origination fees of up to 10%. Borrowers with good and excellent credit score can expect interest rates from 5.99% to 28.69%, while those with fair ratings can get APRs of up to 35.99%. Payment remains stable so that borrowers can project payoff dates accurately.

Credit Cards and Revolving Credit Lines

Some credit cards still offer an initial 0% interest, but most have cut it from 12 to 18 months. After that, the rate usually soars above 20%. These deals work well if you plan to clear your balance before the offer ends. Otherwise, they become expensive, and the cost of the remaining balance will add up quickly.

Mortgages

A conventional 30‑year loan of nearly 6.93% competes with adjustable‑rate mortgages that start lower but reset after five or seven years. Adjustable loans suit owners who plan to sell before the first reset; long‑term buyers should consider fixed-rate deals for peace of mind.

Auto Loans

Automakers subsidized rates during 2020–2021 but scaled back incentives. Five‑year notes average about 7.5% for new vehicles and 9% for used. Because cars depreciate fast, a down payment of at least twenty percent plus a term no longer than sixty months keeps the loan from outlasting the car’s value.

Student Loans and Income‑Share Agreements

Federal undergraduate loans carry a 5.5% fixed rate for the 2025–26 award year, lower than private alternatives for all but the most creditworthy co‑signers. Income‑share agreements promise no payments until earnings reach a threshold, yet the effective percentage of future income can exceed double‑digit interest.

How Does the Loan Process Work?

Each loan may have its own features but there are some common steps you need to take to get one. Here’s what you typically need to do to take out a loan and repay it successfully:

  • Check your cash flow. Look at your earnings for the last three months, subtract fixed bills and extra spending, and see how much money you have left to handle your potential loan payments.
  • Compare offers. Shop around to see what lenders can offer you. Look at the interest rates, repayment options, extra fees and conditions that cause them.
  • Pre-qualify. Most lenders allow you to complete a preliminary form to see whether you can qualify and what potential loan terms you can get. This process doesn’t involve a hard credit check, allowing you to choose the best deals without affecting your FICO rating.
  • Gather paperwork. Submit pay stubs, W‑2s, bank statements, and proof of address to complete the final application. Each lender may have its own requirements, so check out the list of the needed documents.
  • Get approved. To approve you, lenders typically perform hard credit checks to assess your creditworthiness and the overall financial profile. This process may drop your credit score by a few points.
  • Receive the funds. If approved, the funds will be deposited into your bank account in 1 to 5 business days, depending on the lender and the loan type. Some loan options come with direct deposits to creditors or sellers.
  • Boost your payoff. Every six months, make an extra half‑payment to shorten your loan term and save money on interest.

Warning Signs and Moments to Stand Back

Several conditions may shout that you need to refrain from borrowing at the moment. Here are some things to consider before going into debt:

  • High debt load. Expect rejection or higher rates if your debt exceeds 43% of your income after borrowing.
  • Variable rates in a rising market. When rates are still climbing, variable-rate loans cause big payment jumps; opt for fixed rates.
  • Job uncertainty. Recent hires, probation periods, mergers, or freelance work under two years make new debt risky.

Conclusion

Borrowing remains a legitimate pathway to homeownership, professional growth, and wealth creation, yet only when the loan serves a defined purpose and fits comfortably inside your budget. Listen to the macro signals, shore up your finances, compare multiple offers, and read every contract line. Then, debt can still lift you toward the American dream.

Giants Say Goodbye To Daboll, Schoen Survives. Why?

New York, New York

By John Jastremski

The way the last few weeks in Giants land have been trending, you had to imagine it was a question of when not if Brian Daboll was going to be relieved of his duties as Giants Head Coach. 

Now, that was quite the change from where we were back in Week 4 or Week 5 where the love affair between Daboll and his prized new quarterback Jaxson Dart appeared to be a job saver. 

What changed for Daboll because after all. Jaxson Dart looked the part and appears to be the Giants long term solution at quarterback flourishing under this head coach. 

Well, let’s start with the obvious on the field. 

It’s tough to survive a make or break season as a coach yucking up 3 double digit leads in the 4th quarter. 

Brian Daboll’s team pulled off three epic choke jobs. The Dallas game in Week 2, the all timer against the Broncos in mid October and this past Sunday against the Chicago Bears. 

The win probability for the Giants in every one of those games was no lower than 95 percent in the 4th quarter. 

The three losses combined with the overall record of Brian Daboll as an NFL head coach, made the case incredibly easy for ownership. 

After all, Daboll’s record of 20-41-1 isn’t exactly going to earn you a whole lot of good will around the fan base. 

When you consider the fact that both the Chicago Bears and New England Patriots moved on from coaches with rookie quarterbacks and both have flourished so far this season in year 2, a coaching change wouldn’t exactly keep me up at night if I’m a Giants fan thinking about Jaxson Dart. 

However, what would give me serious pause and concern for the future of the franchise is this simple fact. 

Why did General Manager Joe Schoen survive? Schoen’s record as Giants GM is exactly the same as Brian Daboll’s. 

Yes, Brian Daboll was responsible for multiple 4th quarter collapses this season, but Joe Schoen’s roster has been incredibly flawed for 4 years. 

Schoen has whiffed on a significant amount of draft picks in his time as Giants General Manager. 

Sure, Maliq Nabers was a home run last year with the 6th pick, but what about Jalin Hyatt a few years ago? 

Hyatt, Evan Neal and Deonte Banks are just three examples of horrific drafting over the past 4 seasons. 

Yes, Schoen also drafted Jaxson Dart, but if you follow the Giants and know the back story behind the pick. Dart was the hand picked selection of Brian Daboll and if you go back and watch the inside the Giants draft room video, that narrative will play out for your eyes to see. 

I can’t argue the fact that the Giants are much better positioned as a franchise compared to where they were 4 years ago with Dave Gettleman. That’s also a pretty low bar. 

The roster still needs significant work and do you honestly trust Joe Schoen to not only get the roster right over the next 3 seasons, but to go and pick the right head coach. 

The Giants were positioned for the full tilt reset across the organization, but John Mara, like he has done for the past fifteen years, decided on a different path. 

Joe Schoen survives as General Manager. We’ll see if that’s another Giant regret or a Giant positive over the next few years. 

 

You can listen to my podcast New York, New York on The Ringer Podcast Network on Spotify/Apple Podcasts every Sunday & Thursday. You can watch me nightly on Honda Sports Nite at 11 PM on SNY.

Johnnies Fall to Alabama in First Ranked Matchup of the Year

St. John’s drops to #13 in AP poll

By Noah Zimmerman

noah@queensledger.com

The St. John’s Red Storm fell in a wild battle at Madison Square Garden on Saturday. In an early matchup against nationally ranked opposition, the Crimson Tide became just the second team to score 100+ points against Rick Pitino’s St. John’s team (Creighton defeated the Red Storm 104-76 in January of 2023).

Pitino commented many times on Alabama’s pace of play going into last weekend’s game and he was right to treat their offense with such high regard. Alabama native Labaron Philon Jr. was unstoppable off the dribble as he led the visitors with 25 points. Also piling on the points from the Crimson Tide backcourt was Aden Holloway with 21. Alabama were able to register an impressive 81 field goal attempts, hitting just under half of them.

It was a decision by Pitino and the program to face teams as talented as Alabama early in the season, also set to face tough SEC teams like Kentucky and Ole Miss this season after falling to Arkansas in the NCAA Tournament last season.

“We learned a lot tonight,” said Pitino postgame. “Disappointed we lost but we certainly learned a lot and we’ll get better from it. As a head coach I need to find out where our deficiencies lie and I found out tonight.”

“I’d like to thank Coach Pitino for the opportunity,” said Alabama Head Coach Nate Oats. “He doesn’t have to play a tough schedule so I’m thankful for all of us to come [to MSG] to play the game. Whether we won or lost it would have been a good experience for us.”

St. John’s showed why they were ranked so highly entering the season. Zuby Ejiofor was back to his dominant self in the first half, scoring 21 of his 27 points in the opening frame. He and Bryce Hopkins set the tone early, combining to score all 16 of the Red Storm points in the first 8 minutes. Alabama did well to contain the rest of the Johnnies offense, picking their poison and limiting the damage from deep.

The Crimson Tide led by 9 at the half after a late scoring burst. In the second half, some clutch scoring by Ian Jackson, Oziyah Sellers, and Ruben Pray helped cut into the deficit, eventually putting the Red Storm back on top late. Jackson scored 7 points early in the 2nd to lead an incredible run, finishing with 14 off the bench.

The Red Storm were without transfer guard Dylan Darling, but Pitino said that he wouldn’t have made much of an impact as he was an offense-first guard and referencing the dominance by Philon Jr. and Holloway. The junior missed practice and the game with a calf strain, though Pitino suggested that he should be back in action for Saturday’s game against William & Mary.

Legendary Player, Coach Lenny Wilkens Dies at Age 88

By Noah Zimmerman

noah@queensledger.com

The basketball world mourned the passing of Brooklyn native and legendary player/coach Lenny Wilkens, who died on Sunday. Dubbed the “Godfather of Seattle Basketball,” Wilkens was inducted into the basketball Hall of Fame three different times. He was honored as a 9-time All-Star point guard, again as one of the winningest coaches in league history, and once more for helping coach the USA in the 1992 Olympic Games.

Wilkens was a legendary playmaker, adding tremendous flair in the 1960’s and early 70’s. In the 1967-68 season he averaged 8.3 assists and 20 points per game, finishing 2nd in MVP voting to the legendary Wilt Chamberlain.

He influenced the lives of countless young people as well as generations of players and coaches who considered Lenny not only a great teammate or coach but also an extraordinary mentor who led with integrity and true class,” said NBA Commissioner Adam Silver.

“Even more impressive than Lenny’s basketball accomplishments, which included two Olympic gold medals and an NBA championship, was his commitment to service – especially in his beloved community of Seattle where a statue stands in his honor.”

The illustrious career was forged on the playgrounds and asphalt courts of Brooklyn. While he didn’t play until his senior year Wilkens was able to impress at Boys High School after drawing attention outdoors. He went on to dominate at Providence College. Wilkens became one of the greatest to grace the floor for the Friars, leading them to the NIT Tournament as a junior and senior. He was named the tournament’s Most Valuable Player in 1960, also claiming All-American honors that year and the season prior.

After his time in Rhode Island, Wilkens was selected in the first round of the NBA Draft by the St. Louis Hawks. He spent the first 8 years of his career there before joining the Supersonics in the Pacific Northwest. He was an All-Star in three out of four seasons in Seattle, also setting career highs in assists and points per game.

Less than a decade later Wilkens was back on the floor as a coach, helping lead the Supersonics to their lone NBA title in 1979. In his coaching career he became the all-time leader in games coached, as well as the first of now 10 to pass the 1,000-win mark. He remains the coach with the most games in charge in NBA history, leading his teams in 2,487 contests.

“The thing that I’ll always remember, he was such a great gentleman, and such an eloquent human being, along with being a super competitive coach. He is still way up there in all-time victories. Very, very special man. He’ll be missed but he’ll be remembered,” Indiana Pacers Head Coach Carlisle said. “I ended up following him as president (of the NBCA), he did a lot of things to further the profession; the pension, benefits, coaching salaries rose significantly during his time. He was a great representative to the league office.”

City Blues March on to Philadelphia for Conference Semis

By Noah Zimmerman

noah@queensledger.com

New York City FC will return to visit the Philadelphia Union in the Eastern Conference Semifinals on November 23. After a thrilling 3-1 win in Charlotte, the Boys in Blue will again look to topple a top seed on the road. The match comes just under four years since they toppled the Union in Chester en route to their first ever MLS Cup Championship, and just over three years since the Union returned the favor in the Eastern Conference Finals before falling to LAFC in the cup final.

It was a trio of stunning goals that lifted New York over Charlotte FC for the second time in two visits. Nico Fernandez Mercau opened the scoring in first half stoppage time, carrying the ball from inside the city half after a strong physical challenge. With Alonso Martinez to his left, the Argentine continued his run, somehow guiding the ball across the goal and into the top corner.

Just five minutes into the second half, the visitors doubled the lead with another brilliant solo goal. A Maxi Moralez pass over Charlotte’s high defensive line fell perfectly for Martinez, who controlled the ball under pressure with grace. The Costa Rican international evaded a defender before slotting the ball under goalkeeper Kristijan Kahlina and into the net.

Later in the half, City were dealt a rough blow as midfielder Andres Perea went down with a lower leg injury after an aerial duel. After a lengthy break he was carted off the field, later diagnosed to be a fracture. The club announced on Monday that Perea underwent surgery on his leg, with rehab beginning immediately. No timetable was given for his return, but it’s not likely he will return this postseason.

Following Perea’s injury, Charlotte looked for a lifeline with their season once more on the ropes. With 10 minutes remaining in regulation they finally found a breakthrough as Archie Goodwin was able to lay the ball off perfectly for Idan Toklomati. 

It would be Charlotte’s lone goal in the three-game series, as New York City’s defense stood strong to close out the final minutes of the match. Even with a monumental 12 minutes of stoppage time, the hosts were unable to break through Thiago Martins and Justin Haak in the back line. Matt Freese only faced one shot on target, with Charlotte’s other 14 redirected away from goal.

“I don’t know how many blocks Justin [Haak] had in the first 10 minutes,” commented Freese following the match. “The defensive line putting their bodies on the line is something we’ve worked on, and I’m very grateful for it. That type of thing leads to wins, energy, and it shushes the crowd.”

As the match clock ticked past the 100th minute, Nico Fernandez Mercau again had a say in stoppage time. This time a strong move by Hannes Wolf allowed the Austrian to maintain possession after a sliding challenge. The winger carried the ball into the box before laying it off to Fernandez who again finessed the ball off the woodwork and in. It was the first time since late September that NYC scored more than once in a match.

Now New York is set to face off against one of their most bitter rivals. This year against Philadelphia each club has defended home turf. In April NYC defeated the Union at Citi Field with Alonso Martinez scoring the lone goal in the match. In early October the Union clinched the Supporters Shield for the second time in franchise history with a 1-0 win.

It will take another fiery defensive performance and more moments of magic from their attackers to best the league’s top seed on the road. Philly led Major League Soccer with a solid defensive record, keeping 14 clean sheets and only allowing 35 goals. While the Wild Card winning Fire forced a penalty shootout in Game 1, the Union came out on top 4-2, ending the series in Game 2 with a 3-0 win in Chicago. 

Philadelphia will look to become the eighth Shield-winners to follow up their regular season with postseason glory. New York will look to again become the road warriors they were in 2021. As the only lower seed to advance out of the first round, they will be the visitors the rest of their cup run.

Little Poland’s Next Act

Greenpointers trace a beloved enclave’s colorful past and uncertain future. 

By COLE SINANIAN 

news@queensledger.com 

Izabella Prusaczyk remembers the Pulaski Day parade of her youth. Everyone was out on the street in Greenpoint, speaking Polish, the red and white of the Polish flag painted the faces of the rowdy youngsters and hung out of the cars that did donuts in gas station parking lots. Poles would crowd the delis, subway cars and street corners on Greenpoint, Nassau and Manhattan Avenues, out to show pride for their homeland in what was then America’s preeminent Polish enclave. When her father, Marek, arrived from Poland in the early 1990s, he spoke no English, but had no trouble finding his way in Greenpoint, where he now operates a restaurant called Pyza, named for its specialty in pyzy, a kind of Polish dumpling. 

“It really felt like the city was ours,” Prusaczyk said. 

Polish-American NYU student Sebastian Staskiewicz was born in Greenpoint and spent his early childhood on Diamond Street. The Polish community here back then was tight-knit. He recalls grocery shopping with his Polish grandma, who spoke no English but had no trouble communicating with her neighbors and shopkeepers in the majority Polish-speaking community.  Polish flags hung from storefronts and almost every corner was a Polish-owned bakery,  deli or butcher shop. 

“It was a very friendly community,” he said. “She would push me on a stroller and every block or so we had some sort of friend or relative that we could wave ‘hi’ to at the local deli. For her it was much easier in that sense because she could still use Polish to navigate and live within the US.”

Alain Beugoms, current principal of PS 34 on Norman Ave, was just beginning his teaching career in 2002, and remembers the Greenpoint of this era as one of New York’s most vibrant ethnic enclaves. 

“It was almost like a Chinatown kind of experience,” he said. “Many people on the street speaking Polish, many stores and little restaurants and little shops, bookstores in Polish, all serving the Polish community.” 

In 2025, Greenpoint’s Polish heritage is not so easy to spot. Nowadays, English is more commonly heard than Polish, and many Polish businesses have disappeared, replaced by American chains, cafes and now, cannabis dispensaries. Beloved Polish butcher shops and specialty supermarkets peddling smokey kielbasa, blood sausages and other Polish delicacies have closed their doors as corporate supermarket chains have moved in. Meanwhile, an influx of wealthy professionals who began moving to Williamsburg in the 2000s has spilled over into Greenpoint, while higher housing costs and luxury residential towers have followed,  forever altering the neighborhood’s once working-class, predominantly immigrant character. 

“I always saw someone I knew at the store I’d go to to get deli meats,” Prusaczyk said. “Now it’s a weed dispensary. We’re really on the decline here.” 

“Everything is so expensive now,” continued Prusaczyk, who works with her father and her mother, Grazyna, at Pyza. “People get mad at us for our prices being so high, but I’m like, do you know where you are? There’s avocado toast for $18 down the block.” 

But although many members of Greenpoint’s original Polish community have left — often moving either to the suburbs or back to Poland, where economic conditions have improved drastically since the fall of the Soviet Union — others stayed to raise families with children now growing up as Polish Americans, whose presence continues to influence neighborhood life through their cuisine, customs, and language.

A view inside the Eberhard Faber pencil factory on Kent Street in 1915, after the first peak of Polish migration to Brooklyn in the 1890s. Courtesy of the Brooklyn Historical Society.

Poles in America 

Polish immigration to America reached its peak in the 1890s. By the 1920s, more than 2 million Poles had immigrated to the US, according to the Library of Congress. Many of these early arrivals were economic migrants and political refugees, working as steelworkers, miners, meatpackers and autoworkers and congregating in enclaves in America’s industrial centers. 

Later, a subsequent wave of Polish immigrants arrived after the fall of the Soviet Union in the 1980s and 1990s. A New York Times report from 1984 counted 50,000 people of Polish descent living in Greenpoint. These were economic migrants as well, mostly younger, educated people who took low-paying, working class jobs with intentions of saving money and eventually returning to their country once conditions there improved. 

“Our 80s in Poland in the 20th century were truly devastating,” said Mateusz Sakowicz, the Polish Consul General in New York. “There were no products on the shelves and you could barely make ends meet. People had to line up to buy diapers.” 

According to Sakowicz, Greenpoint’s “Little Poland” era peaked in the early-mid 2000s. In addition to gentrification and rising housing costs, Sakowicz partially attributes Little Poland’s decline to Poland’s 2004 entry into the European Union, which brought the country unprecedented economic growth and facilitated easy immigration to other European nations. Since 2004, Polish immigration to the US has slowed to a trickle

“Finally my country has much more to offer, and it’s actually a preferable place to be, in particular if you’re of Polish origin,” Sakowicz said. “And if they were deciding to emigrate, people were choosing different states, closer to home,” he continued. 

Partly as a result of Poland’s economic growth — with the country’s GDP having grown by 300% between 1989 and 2024, according to a report from Wrocław University in Poland — more people of Polish origin are returning to Poland than are leaving the country. 

Meanwhile, many of the Polish economic migrants to Greenpoint of the 1980s have since moved on, having kids in Greenpoint, then purchasing homes outside the city. This is precisely what Staskiewicz’ family did, moving to Linden, New Jersey while Staskiewicz was in elementary school.  Other family members moved to Long Island and Pennsylvania, Staskiewicz said, chasing better affordability and a higher quality of life to raise their families.  Many of Prusaczyk’s childhood friends moved to Masbeth, Middle Village, or further out on Long Island. 

Little Poland lives on 

Like much of Central and Eastern Europe, Poland is a deeply Catholic country. St. Stanislaus Kostka Church on Humboldt Street, founded in 1896, remains a community hub. Staskiewicz attended Sunday mass here with his family as a kid, while Prusaczyk, now in her 30s, regularly goes to mass conducted in Polish by Pastor Grzegorz Markulak. On December 7 at 5:30pm, the church will host a screening of Triumph of the Heart, a Polish language film that tells the story of Maximilian Kolbe, a priest who was killed at the Auschwitz concentration camp. 

Given Poland’s deep Catholicism, it should be unsurprising that Greenpoint’s Polish community is most visible around Christmas and Easter. 

In Polish culture, Christmas is traditionally celebrated on December 24, not December 25. And the Christmas Eve meal contains no meat. The holidays are a busy time at Pyza, Prusaczyk says, with Polish and Polish Americans coming from all over the tri-state area to pick up their special orders. Many are loyal customers who’ve since moved out of Greenpoint, usually to Masbeth or further out on Long Island. One Polish woman named Eva was once a Pyza regular but now lives in Connecticut. Still, she comes without fail every Christmas Eve to order Polish Christmas specialties like krokiety (croquettes), saurkraut, kapusta (cabbage) and mountains of pierogies. Some years, Pyza sells more than 3,000 pierogies over Christmas. 

On Easter, baskets are packed with food and gifts, and local Poles line up outside St. Stanislaus’s to have them blessed by a priest, part of a tradition called  Święconka that dates back to the 7th century. This confuses many tourists and non-Polish Greenpoint residents, Izabella says, who raise their eyebrows at the long line of people carrying their baskets outside the church. 

For Sakowicz, the Polish General Consul, it is the long queues that form around the holidays outside bakeries like Syrena, Cafe Riviera, and others serving Polish bread and pastries, that most remind him of Poland. 

“Maybe they expect communism a little bit,” he said. “Because in communism, there was scarcity of products and oftentimes they’d have to line up for a day and a half.” 

Sakowicz, who’s lived in America since 2011, currently resides on the Upper West Side, although he commutes to Greenpoint regularly to get his haircut at his favorite Polish salon. During the warmer months, he says you’re most likely to hear Polish spoken in Greenpoint during the evening, as the sun is setting over the Manhattan skyline and most people are doing their shopping. 

“You have many Poles that would leave Greenpoint, but still go there every now and then to do a routine,” Sakowicz says. “You have your favorite hairdresser, you want to go and gossip.” 

Izabella Prusaczyk and her father, Marek Prusaczyk. Marek came to Greenpoint from a small town in the north of Poland in the early 90s. He opened Pyza, a Greenpoint staple serving traditional Polish food, in 1993.

New Opportunities 

Back in the 1980s and 1990s, many of the Polish immigrants to Greenpoint took blue collar jobs below their education levels, in fields like construction, manufacturing and caretaking that allowed them to work without English fluency. But nowadays, the comparatively few Polish people coming to New York are of  a different class entirely, Sakowicz says. 

“It’s not a blue collar migration,” he said. “These people that decide to pursue their careers in the US these days are highly qualified, skilled and educated people. We’re talking Wall Street, IT, AI, arts, these kinds of fields of work.” 

And conversely, the Polish government finances internships and visa programs to Americans of Polish origin, offering them the chance to work, live for a while and perhaps emigrate for good to the country of their heritage. This is, of course, much easier if you speak the Polish language.

Along with Staskiewicz, Polish student Max Miniewicz runs the Polish and Eastern European Society at NYU. Originally from Warsaw, Miniewicz came to New York three years ago to study, now getting his Master’s in Economics. The first time he visited Greenpoint, he saw traces of Poland, but did not initially see it as the vibrant Polish enclave he had heard about. 

But as he explored the neighborhood more, its Polish soul started to reveal itself. He recalls a time he took a Polish classmate on a tour around Greenpoint. They got coffee, pastries, and went to a few bookstores, speaking to each other in Polish the whole time. In each of these places, Miniewicz said, as soon as the cashier heard them speaking Polish, they’d start speaking Polish too. This was the case even in American chain restaurants and seemingly non-Polish establishments, suggesting to Miniewicz that much of the Polish community from the golden era of Little Poland remained, but their businesses had been swallowed and absorbed by American establishments. 

“We spent a few hours walking around, and we were shocked by how many places were like this,” Miniewicz said. “I think a lot of those Polish people are still there, but they’re just like kind of hidden and working for American businesses.” 

For Beugoms, the principal at PS 34, language is a key to unlocking the community’s Polish heritage. In 2015, under former principal Carmen Asselta, the school launched its Polish-English dual language program. Now in its eleventh year, about a quarter of the student body is enrolled in the program, Beugoms says. Students progress from kindergarten to fifth grade in a mirrored classroom, with everything written in Polish on one side and English on the other. The bilingual teachers in the program guide students through math, science, social studies and literature in both Polish and English, paying special attention to Polish historical figures like Marie Curie and Copernicus. And every student, Beugoms says, Polish or otherwise, knows what a pierogi or a pączki (donut) is. 

“It unlocks a door to culture,” he said. “Language might appear to be a barrier from someone accessing a new culture, but when you learn, even in small increments, you start to unlock things.”

Inside PS 34’s Polish-English dual language classrooms, students learn literature, science, math and social studies in both Polish and English, with a special focus on Polish culture.

For some Polish-American parents who’ve lost touch with their heritage, the program provides a new motivation to learn (or re-learn) the language of their family through their children. Beugoms recalls one parent of Polish descent who didn’t grow up speaking Polish. But both of her children are in PS 34’s dual-language program, and for a parent-student read-aloud the school hosted one year, she came ready with a Polish book in-hand. 

“The Polish that she heard as a kid from her grandparents was coming back to her,” Beugoms said. “So she came with a book and said ‘don’t judge me.’”

Although the program is mostly made up of Polish heritage students, many of whom speak Polish at home, others aren’t Polish at all. The school holds a celebration for Polish children’s day on June 1st.  One year, a non-Polish fifth grade student who’d been in the program since kindergarten, gave a presentation on Copernicus, in near-fluent Polish, to a room full of stunned Polish parents. 

 And with more Poles returning to Poland than ever, the program has another purpose: preparing Polish students for life in Poland, should they decide to return. 

“I’ve had students from this program move to Poland, and then the parents write me an email stating how the school in Warsaw was impressed,” Beugoms said. “There’s a lot of opportunity in Poland nowadays, so it’s attracting a lot of folks back.”

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