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Wednesday, November 25, 2015

Happy Thanksgiving

Today's Equipment Leasing Headlines

Did CapitalOne Close Their Equipment Finance Group?
   Looking for Confirmation
US Business Did Not Fall for These Lessors
  Despite the ELFA October MLFI-25 Report
New Hires---Promotions
  in the Leasing Industry
Leasing Industry Ads---Help Wanted
Make an Application for Thanksgiving
Credit/Collections #102 by Ben Carlile
How to Ace your Performance Review and Earn that Raise
Dealstruck and Lendio Release State of Online
   Lending Industry eBook
FDIC-Insured Institutions Earn $40.4 Billion 3rdQ
Community Bank Earnings Rise 7.5 Percent to $5.2 Billion
Priority Capital Makes Neighborly Support
 a Priority this Thanksgiving
Alice's Restaurant, The Big Chill
Hannah and Her Sisters, Nobody’s Fool, Pocahontas
Special Thanksgiving Edition By Fernando Croce
Cur, Black-Mouth/Mix
Baltimore, Maryland  Adopt-a-Dog
News Briefs---
Building An Alternative Lending Sales Profile
   Are You a Broker or Not?

Broker/Funder/Industry Lists | Features (writer's columns)
Top Ten Stories Chosen by Readers | Top Stories last six months (Be Careful of Doing Business)
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                 Traffic Live----

######## surrounding the article denotes it is a “press release” and was not written by Leasing News nor information verified, but from the source noted. When an article is signed by the writer, it is considered a “by line.” It reflects the opinion and research of the writer.




Did CapitalOne Close Their Equipment Finance Group?
Looking for Confirmation

Looking to confirm that that Capital One is officially closing its Equipment Finance Group; keeping 3 people only as Bank support. Reportedly that leaves a number of excellent Capital One Equipment Finance people available in the Baltimore/Towson area available for hire.

Leasing News has two confirmations, one very reliable, one first time, as well as several emails that have come back from readers with CapitalOne email addresses. Telephone calls are not being returned by CapitalOne to Leasing News.

Any information will be “off the record” and not attributed.



US Business Did Not Fall for These Lessors
Despite the ELFA October MLFI-25 Report

(Leasing News Chart)

The Equipment Leasing and Finance Association MFLI-25 report shows new business September New Business was $8.4 billion, but October fell to $7.7 billion, down 8%.

The samples come from 35 ELFA member companies, including Caterpillar who is having a very bad year, as well as some other large leasing companies. 

Remarks follow from Leasing News industry readers:

“October up over 50%-looking forward strong year-end”
“Bucking the Trend”
“October Strong month of 2015”
“PayNet Index Shows Good Growth”
“Improved each month”
“Good October, one recorded best month ever”
“Strong September & October”
“September, Record month/October 35% better than 2014 Oct.”
“Steady increase in business.”
“Robust year”
“Larger than Normal Volume”
“Just starting to deliver volume”
“October’s volume was stronger.”

Paul Witte
SVP, First Bank Richmond
Commercial Lending and Leasing Manager
First Federal Leasing

“First Federal Leasing is showing an exact opposite trend. Our dollar funded volume was down in September by approximately 5.25%, but October was up by over 50%. We did fund a few larger deals that distorted the numbers, but even our application volume for September and October followed the same trend. Application volume for September was down 1%, but it was up 20% in October.

“I see volume for the end of year to be fairly robust. November is shaping up to be much like our October and I think December will maintain that same pattern. We are looking forward to strong numbers at the end of 2015!”

John Boettigheimer
Centra Leasing, Inc / 4 Hour Funding LLC

"Our November fundings are quite strong and new application volume has also been very good. So far our volumes have been “bucking the trend” seen throughout the industry."

Don Myerson
BSB Leasing, Inc.

“For BSB Leasing, Inc. September was a good, not great funding month. New App count was very strong as we ended the month with our biggest approved backlog in years. October proved to be our strongest month of 2015 for funding new business but App count was down about 10% from September. November is looking like a return to our 2015 averages for both funding new business and App count. I am guessing that we’ll end the year with marginally better results than originally budgeted.”

Hugh Swandel
Managing Partner
The Alta Group

“I don’t put much stock in the MLFI –it is not really a statistically sound method. The 25 changes over time and it is subject to swings among some dominant parties like CAT. PayNet Index has a lot more data scrubbing behind it and shows good growth in borrowing activity for Small Business.”

Jeff Schubert
Director of Strategic Partnerships

“I can tell you that the number of applications per month and the amount funded has improved each month since I started in January."

Bruce Kropschot, Senior Managing Director and             
Merger & Acquisition Advisory Practice Leader
The Alta Group, LLC

“I look more to the long term trends in the ELFA MFLI-25 index than the monthly fluctuations, which can be influenced by company-specific issues.  Overall, Alta’s M&A advisory clients had good months in October, with one company recording its best month ever for new business originations.  Furthermore, most of these client companies are forecasting positive results for the remainder of 2015 and continued growth in 2016. The M&A market continues to be active, with many potential buyers looking for companies that can expand their new business origination capabilities.”

Dwight Galloway
Senior V.P. Broker Operations
RLC Funding, A Division of Navitas

“Monthly production continued to grow at Navitas with strong September and October numbers. We don’t manage for a big year-end push but instead look long term in developing sustainable relationships with a wide range of indirect and direct sources. 2015 will close with record total annual production, excellent portfolio performance, and a strengthened infrastructure. We believe 2016 will see sustained growth for us in part because our various origination channels are diverse with no significant concentration in any one industry or business segment.”

Richard A. Baccaro
 Chief Sales and Marketing Officer
Executive Vice President
Ascentium Capital

“New business volume in October 2015 was up 35% over October 2014. September 2015 was a record month for Ascentium Capital and was up over 50% over the same period 2014.

“We continue to execute on our strategy and expect to exceed our new business growth goals in 2015. The results are a testament to the dedication and efforts of our valued associates across the entire organization. Tenured and new sales professionals continue to see their volume grow based upon our platform, vendor tools and support.”

Edward Castagna

"InPlaceAuction’s overall business volume is comprised of appraisals, end of lease, repossessions, and auctions. We touch on leasing from start to finish and can spot trends early.  Our overall volume is much lower than years past but I’m happy to report that all of our business lines are increasing evenly.    Volume began to stabilize in August of 2014 and has gradually and consistently increased ever since.  I feel that our collective client base of leasing companies and banks seem to be doing healthy business which calls on all of our services. It finally feels somewhat normal again."”

Curt Lysne
Vice President, National Sales
Portfolio Financial Servicing Company

“From a servicing and backup servicing perspective, PFSC has experienced a robust year to date with a large expansion of our client list and assets under management growing double digits, comprised of both commercial and consumer lease and loan volume.”

Allan Levine
Madison Capital

“October was one of Madison's best origination months in the company's history; and, November is doing as well. December’s backlog insures 2015 to be a very good originations year. 

In the last four months, we have seen a rise in the size of equipment transactions approved. Our bread and butter equipment transactions are in the mid five figure range and are now being mixed with many opportunities in the low to mid 6 figures. Also, our vehicle fleet business has been study and tends to be consistent in the fall as new vehicles come out and older fleets are refinanced. In short, there has been more growth on the equipment side. We like to think our larger than normal volume is due to our dramatically increased marketing efforts. That would certainly make management look smart.”

Charles Anderson
IMCA Capital

“October was a record breaking month for us. We’ve seen a slight slowdown in November, but our pipeline is strong and Q4 should be positive growth over Q3. We also launched three major technology partnerships in Q3 which are just now starting to deliver volume.”

Valerie Jester
Brandywine Capital Associates
West Chester, Pennsylvania

“Our September saw consistent volume - October's volume was stronger. We see a good end to the year - but not as strong as we would have liked. Margin is still an issue as capital continues to flood the marketplace. Bank acquisitions are creating formidable competitors of the regional banks in our trading area.”


New Hires---Promotions
in the Leasing Industry


Brian Fitzgerald was hired as Account Executive for Madison Capital, Owings Mills, Maryland. (He) focused on serving the needs of strategic markets across the country. Previously, he was a Commercial Contractor, The Rich Group of Maryland (May, 2010-July, 2015); Varsity Rugby Assistant Coach (2009-2013), Freshman/Sophomore Rugby Head Coach (2011), Loyola Blakefield (February, 2009- May, 2013); Landscaper, Natural Concerns (May, 2009 -August, 2009); Server, Casa Mia's at the John Brown Store (May, 2008-May, 2009). Education: Towson University, B.S. in English, concentration in Writing; minor concentration in Business Administration, Graduating class of 2015. Loyola Blakefield, Graduating high school class of 2008.

Steve Leer was hired as Director of Marketing and Business Development at JDR Solutions Inc., Indianapolis, Indiana. Previously, he was Owner, Leer Marketing & Communications LLC (March, 2013 – November, 2015); Copywriter/Public and Media Relations Specialist, Equipment Technologies (January, 2014 – November, 2015); Communications Consultant/Senior Writer, Purdue University Department of Agricultural Communication (October, 2006 – August, 2013); Ag Answers Coordinator/Editor, Purdue University Department of Agricultural Communication (November, 2000 – October, 2006); State Editor/Business Editor, Gaston Gazette (August, 1992 – February, 2000); Media Relations Assistant, Charlotte Eagles (April, 1996 – September, 1999); Business Reporter, Anderson Herald-Bulletin (October, 1989 – September, 1992); Area News Editor/Sports Writer, Crawfordsville Journal Review (August, 1986 – October, 1989); General Assignment Reporter/Sports Writer/Photographer Lebanon Reporter (May, 1986 – August, 1986). He has received many awards for newspaper writing. Education: Liberty University, Bachelor of Science, Journalism (1983 – 1986).

Matthew Meronek was promoted to Sales Coordinator at National Leasing, Winnipeg, Manitoba, Canada. He joined the firm June, 2014, as Assignment Assumptions Coordinator. Previously, he was General Assistant, Bighorn Revelstoke (November, 2013 – February, 2014); Site Manager, Van Norman Painting (June, 2006 – November, 2013). Education: The University of Winnipeg, Bachelor of Business Administration (BBA), Business Administration and Management, General, 3.75 (2009 – 2012). Red River College, Business Administration and Management, General.

Chip Perry to become President and Chief Executive Officer, True Car, Santa Monica, December 15, "when TrueCar founder Scott Painter formally steps down from his CEO, chairman and board of directors posts. Perry was the first employee and CEO of from 1997 to 2013. He guided the company’s evolution from a one-person startup into the world’s largest online automotive marketplace with $1.5 billion in revenue, 20,000 dealer customers, and 3,500 employees. He joined the RentPath board in February 2015. He succeeds Charles Stubbs who is stepping down to spend more time with his family. Stubbs will remain on the RentPath board of directors."

Larry Salzer was announced by Wells Fargo as Senior Market Sales, Structured Relationship Manager, San Francisco, California.  He joined the firm September, 2015.  Previously, he was Acquisitions and Debt Placement, Cypress Financial Corporation (February, 2007 – June, 2015); Vice President, California Bank & Trust (January, 2003 – February, 2007); Vice President, City National Bank (2001 – 2002); Vice President, International Wireless Communications (1997 – 1999); Legal Assistant, Morrison & Foerster LLP (1989 – 1991). Languages: English, French, Spanish. Education: Yale University, BA, English (September, 1984 – May, 1988). Junior Term Abroad through NYU in Paris.



Leasing Industry Help Wanted

For information on placing a help wanted ad, please click here:

Please see our Job Wanted section for possible new employees.



Credit/Collections #102 by Ben Carlile

How to Ace your Performance Review and Earn that Raise
Part 2

In the previous article (see below for article) we looked at Step 1: keeping a personal Job Journal throughout the year in which you list your important accomplishments and their value to your company and to your boss.

Today’s article is about Step 2: Communicating those accomplishments in the proper way to the appropriate people.

Do you think your boss already knows all about the great things you’ve done this year and how valuable they are? If so, you’re dreaming!

Most bosses are human. They’re focusing on their own priorities. If you don’t complain or cause problems they may take your work for granted. Out of sight, out of mind. They trust you so they allow you to work with less supervision−which frees them up to pay attention to their own problems and not your accomplishments. If you do your job so well that nobody notices, nobody will notice!

So it’s important to communicate:    

1. In real time throughout the year, consistently and appropriately communicate your performance to your boss, your colleagues and to other managers. 
2. Encourage your colleagues and superiors to regularly acknowledge the value of your work.

Then, as your performance review date approaches, do a deep dive into your Job Journal. Recognize how your responsibilities and performances have grown since your last review or promotion. Note what tasks are most important to your boss, senior management and other stakeholders. How does your performance help them achieve their own raises, promotions and their recognition, too?

Be sure to recognize the extra value you provide that isn’t captured by your job objectives and isn’t routinely measured, such as when you mentored several colleagues to improve their performances. Note what you achieved under adverse conditions (i.e., under-staffed with high volume). Persevering despite such challenges demonstrates your value as a resourceful and adaptive employee during frequent periods of transition, uncertainty, rapid change and fast growth (the “new normal”).

Next, use your insights from your Job Journal to prepare a personal Performance Memo to your boss, outlining your top five achievements for the year along with the value you created in dollar terms (new sales, opportunities, savings and efficiencies). You may characterize your performances with descriptive phrases such as: “Excellent work” to describe your best measured performances; “Nice going” for your regular responsibilities that are not easily quantified, and “Could have been worse” for those that were relatively good outcomes considering the obstacles that were outside of your control. You may also include phrases that your boss can use in your annual review.

Begin your memo by thanking your boss for the opportunity to work with and learn from her/him. Acknowledge that your annual review is coming up soon so you’ve prepared a summary of your performance highlights to kick things off. State that you look forward to talking about what’s ahead for the upcoming year including your interest in (a) continuing to learn and pursue personal growth, (b) expand your role to assume greater responsibilities, (c) set new performance objectives, and (d) advance in your career. You may also convey that you have some ideas of how to improve department performance and help her/him achieve her/his goals.

When you finish your first draft, solicit input and comments from your colleagues, if appropriate. You’ll want this memo to be concise and easy to read. It should strike the right tone. It should be limited to one page but you may include more detailed backup pages that document and support your performance.

A few weeks before your review date, mention to your boss that you look forward to your review and you’ll be sending her/him a summary of your work for the year to help get prepared. Then about one to three weeks before your review date, hand deliver your printed memo to your boss then email a MS Word version to your boss and to other stakeholders as appropriate.

The takeaway: by communicating well, you encourage your boss to accept and acknowledge the value of your performance. Your boss may come to realize that she/he has experienced a worry-free year with you on the team. And she/he may secretly want to thank you for saving her/him some time in writing your review!

And when your boss acknowledges your performance, it’s time to negotiate – the subject of Part 3 in this series. Stay tuned!

Ace Your Performance Review and Earn Your Raise!

Ben Carlile

Credit and Collections 102 Previous Articles





##### Press Release ############################

Dealstruck and Lendio Release State of Online
Lending Industry eBook


CARLSBAD, CA-- - Dealstruck, the online direct small business lender, and Lendio, the online small business lending marketplace, today announced the release of a recent joint eBook, "Small Business Lending in the Digital Age," focusing on strengths, weaknesses, and projections regarding the online small business lending industry.

Ethan Senturia
CEO, Dealstruck

"Small businesses are the backbone of the U.S. economy, but the past decade has proven to be a difficult landscape for small business financing," stated Ethan Senturia, CEO of Dealstruck. "We created this eBook to help shed some light on why banks have shied away from smaller loans in recent years, and to show how the online industry has grown to fill the gap."

Brock Blake

"This eBook is designed to offer a better understanding of what small business financing looks like in today's market for both finance industry professionals and small business owners alike," mentioned Brock Blake, CEO of Lendio. "We were pleased to partner with Dealstruck to provide an overview of the trends in the online lending industry."

Some of the highlights in the eBook include the following:

  • Since 2008, banks have shifted focus of small business loans to those in excess of $1 million, but the majority of small businesses are looking for $250,000 or less
  • A gap of $550 billion has been created as a result of banks' focus on large small business loans
  • Online lenders have stepped up to the plate to service small businesses that aren't in the market for traditional or SBA loans
  • Increased interest in the online lending industry prompted U.S. Treasury to release a Request for Information from industry players in August of this year
  • Online lending is a segment of the finance industry that will continue to grow, giving small businesses seeking $550 billion -- that would otherwise have nowhere to turn for funding -- access to business capital

Download your copy of the eBook here (25 pages)

About Dealstruck
Dealstruck is an online direct lender and the first to offer multiple products -- including flexible term loans and multiple line of credit solutions -- to small- and medium-sized business (SMB) owners. With a mission to provide growing SMBs with access to capital that is unique, appropriate and affordable with honesty and transparency, Dealstruck is committed to placing SMBs on a credible path to bankability. For more information, please visit

About Lendio
Lendio is a free online service that helps business owners find the right small business loans within minutes. The center of small business lending, our passion is fueling the American Dream by uniting the small business loan industry and bringing all options together in one place, from short-term specialty financing to long-term low-interest traditional loans. Our technology makes small business lending simple, decreasing the amount of time and effort it takes to secure funding. More information about Lendio is available at

### Press Release ##############################



### Press Release ############################

FDIC-Insured Institutions Earn $40.4 Billion 3rdQ
Community Bank Earnings Rise 7.5 Percent to $5.2 Billion

  • Net Operating Revenue of $172 Billion Is Nearly Unchanged From a Year Ago
  • Noninterest Expenses Are 2.9 Percent Lower
  • Banks Continue to Reach for Yield as Net Interest Margins Remain Low

"While the banking industry had another positive quarter, there are signs of growing interest-rate risk and credit risk that warrant attention."
-- FDIC Chairman Martin J. Gruenberg

Commercial banks and savings institutions insured by the Federal Deposit Insurance Corporation (FDIC) reported aggregate net income of $40.4 billion in the third quarter of 2015, up $1.9 billion (5.1 percent) from a year earlier. The increase in earnings was mainly attributable to a $3.2 billion decline in noninterest expenses, as itemized litigation expenses at large banks were $2.7 billion lower than a year ago. Financial results for the third quarter of 2015 are included in the FDIC's latest Quarterly Banking Profile released today.

Of the 6,270 insured institutions reporting third quarter financial results, more than half (58.9 percent) reported year-over-year growth in quarterly earnings. The proportion of banks that were unprofitable during the third quarter fell to 5 percent, down from 6.6 percent a year earlier and the lowest since the first quarter of 2005.

"Most performance indicators continued to show improvement," Gruenberg said. "Earnings were up from a year ago, loan portfolios grew, asset quality improved, the number of problem banks declined, and only one insured institution failed.

"While the banking industry had another positive quarter, there are signs of growing interest-rate risk and credit risk that warrant attention," he continued. "History tells us that it is during this phase of the credit cycle when lending decisions are made that could lead to future losses. Timely attention by banks to address these growing risks will benefit banks and contribute to the sustainability of the current economic expansion."

Highlights from the Third Quarter 2015 Quarterly Banking Profile

Community Bank Earnings Rise 7.5 Percent: The 5,812 insured institutions identified as community banks reported $5.2 billion in net income in the third quarter, an increase of 7.5 percent from the third quarter of 2014. Net operating revenue of $22.4 billion at community banks was $1.6 billion (7.5 percent) higher than a year earlier.

Net Operating Revenue of $172 Billion Is Nearly Unchanged From a Year Ago: Loan growth helped lift revenue at most banks, as net interest income rose $1.8 billion (1.7 percent) compared to the third quarter of 2014. Noninterest income was $1.3 billion (2 percent) lower, as servicing income fell $1.8 billion (63.8 percent) and trading income declined by $284 million (5.1 percent). Total net operating revenue was only 0.3 percent higher than a year ago. While the median revenue growth rate was 3.6 percent, lower net operating revenue at three of the four largest banks contributed to the low overall growth rate for the industry.

Noninterest Expenses Are 2.9 Percent Lower: Total noninterest expenses of $105.6 billion in the third quarter were $3.2 billion (2.9 percent) less than in the third quarter of 2014. Itemized litigation expenses at a few large banks were $2.7 billion (67.3 percent) below the level of a year ago. Also, expenses for goodwill impairment were $578 million (45.4 percent) lower, and expenses for employee salaries and benefits declined $199 million (0.4 percent).

Banks Continue to Reach for Yield as Net Interest Margins Remain Low: The average net interest margin (the difference between the average yield on banks' interest-earning investments and the average interest expense of funding those investments) rose slightly to 3.08 percent in the third quarter from 3.07 percent in the second quarter, but remained below the 3.15 percent average reported in the third quarter of 2014.

To mitigate the impact of low rates on net interest margins, banks continue to lengthen asset maturities, contributing to a growing mismatch between longer maturity assets and shorter maturity sources of funding. This growing mismatch is important because when interest rates rise, the cost of funding liabilities tends to re-price more rapidly than the yield on assets, causing further compression to the net interest margin. The percentage of loans and securities with maturities of three or more years rose from 34.2 percent to 34.6 percent during the third quarter. This is the highest percentage in the 18 years for which these data have been available.

Loan Growth Rate Picks Up: Total loan and lease balances increased $95.3 billion (1.1 percent) during the third quarter. For the 12 months ended September 30, loans and leases increased $482.2 billion (5.9 percent). This is the largest 12-month growth rate since mid-2007 to mid-2008. At community banks, loan balances rose 1.9 percent during the third quarter of 2015 and increased 8.5 percent during the past 12 months.

"Problem List" Continues to Shrink: The number of banks on the FDIC's Problem List fell from 228 to 203 during the third quarter. This is the smallest number of problem banks in nearly seven years and is down dramatically from the peak of 888 in the first quarter of 2011. Total assets of problem banks fell from $56.5 billion to $51.1 billion during the third quarter.

Deposit Insurance Fund (DIF) Rises $2.5 Billion to $70.1 Billion: The DIF increased from $67.6 billion in the second quarter to $70.1 billion in the third quarter, largely driven by $2.2 billion in assessment income. The DIF reserve ratio rose from 1.06 percent to 1.09 percent during the quarter.

Insured Institution Performance, Third Quarter 2015

Community Bank Performance, Third Quarter 2015

Deposit Insurance Fund Trends, Third Quarter 2015

Chairman Gruenberg's Press Statement

Congress created the Federal Deposit Insurance Corporation in 1933 to restore public confidence in the nation's banking system. The FDIC insures deposits at the nation’s banks and savings associations, 6,270 as of September 30, 2015. It promotes the safety and soundness of these institutions by identifying, monitoring and addressing risks to which they are exposed. The FDIC receives no federal tax dollars—insured financial institutions fund its operations.

### Press Release ##############################

(Leasing News provides this ad as a trade for appraisals
and equipment valuations provided by Ed Castagna)



#### Press Release #############################

Priority Capital Makes Neighborly Support
a Priority this Thanksgiving

Employees with Priority Capital, a small Equipment Finance Company headquartered in Melrose, are donating dozens of canned and boxed goods they pulled from home cupboards or purchased new in stores to “A Servants Heart Ministry” in Melrose, Massachusetts, which offers emergency food to residents of Melrose and the surrounding communities through Faith Evangelical Church.

“We have been very fortunate this past year in both our company’s growth and clients’ loyalty – gifts that we do not take that for granted,” said Steven McCabe, Vice President of Priority Capital. “The best way we know to show our appreciation at this time of year is to pay it forward to the community. Grow locally, give locally, we say.”

### Press Release ##############################    

(Please click on ad to learn more)
(Leasing News provides this ad “gratis” as a means
to help support the growth of Lease Police)


Leasing News: Special Thanksgiving Edition
By Fernando Croce

As end-of-year holidays quickly pile up, it’s important to not lose track of the things that really matter, like health, family, and a good movie. So for this upcoming Thanksgiving, we’re recommending a slew of savory cinematic treats to go with your turkey gravy and pumpkin pie. Enjoy!

Alice's Restaurant (Arthur Penn, 1969): An unlikely yet deeply felt sense of community suffuses this bittersweet adaptation of Arlo Guthrie's comic record, directed by Arthur Penn ("Bonnie & Clyde"). Guthrie stars as himself, an amiable hippie rambler whose latest travels lead him to his friend Alice (Pat Quinn), who now runs a restaurant with her husband Ray (James Broderick). After Thanksgiving dinner, a simple request to take out the garbage leads to a wacky series of misunderstandings with the police and the military. Meanwhile, Alice and Ray turn an abandoned church into a refuge for drop-outs and other outsiders, with mixed results. Both a sympathetic seriocomedy and a fine documentary of changing times, Penn's movie offers a heartening sense of hope while poignantly capturing the vanishing spirit of the Sixties.

The Big Chill (Lawrence Kasdan, 1983): A staple of Eighties nostalgia, Lawrence Kasdan's 1983 ensemble comedy-drama is an often overlooked Thanksgiving entry. Set over the course of a weekend, the story follows a group of estranged friends who are reunited by the death of a colleague. Among them are Harold (Kevin Kline) and his wife Sarah (Glenn Close), their friend Meg (Mary Kay Place), TV star Sam (Tom Berenger), dissatisfied housewife Karen (JoBeth Williams), sarcastic reporter Michael (Jeff Goldblum), troubled war vet Nick (William Hurt), and the departed's young girlfriend Chloe (Meg Tilly). Dreams and passions are rekindled during their stay, as the characters come face to face with the gulf between their idealistic hopes and their actual selves. Buoyed by excellent performances and a soundtrack of killer oldies, Kasdan's film struck a nerve with many a Baby Boomer viewer.

Hannah and Her Sisters (Woody Allen, 1986): One of Woody Allen's best movies, this Oscar-winning multi-character study begins and ends with Thanksgiving parties hosted by the eponymous Hannah (played by Mia Farrow). Weaving in and out of the romances and frustration of a large upper-scale New York family, the narrative traces the emotional ups and downs of Hannah as well as her younger sisters, Lee (Barbara Hershey) and Holly (Dianne Wiest). While Lee flits between relationships with a demanding artist (Max von Sydow) and Hannah's husband (Michael Caine), Holly becomes involved with a hypochondriac who believes he's dying (played by Allen himself). Showcasing a deft hand at presenting complex characters and switching from laughter to poignancy and back, Allen's film is considered one of the cinematic peaks of the Eighties.

Nobody's Fool (Robert Benton, 1994): Paul Newman gave one of his greatest performances as small-town rascal Donald "Sully" Sullivan in this tart and tender drama. Past 60 yet still blissfully avoiding most of his adult responsibilities, Sully muddles through life in a snowy New York burg by coasting on his charm, engaging in mild feuds with friends and doing the occasional construction job. Things take an unexpected turn, however, when his son Peter (Dylan Walsh) and his family pull into town to spend Thanksgiving with Sully's ex-wife (Elizabeth Wilson), and the old man recognizes an opportunity to prove his worth. Directed by sly humanist Robert Benton ("Places in the Heart"), the film is short on plot but long on delightful characterization, humor and grace. The excellent supporting cast includes Jessica Tandy, Bruce Willis, Melanie Griffith, and Philip Seymour Hoffman.

Pocahontas (Mike Gabriel and Eric Goldberg, 1995): The Jamestown settlement gets the Disney treatment in this bright animated romance, set in America’s earliest years. A bold and intelligent Native American woman, Pocahontas (voiced by Irene Bedard) sees her frontiers expanding as she meets Captain John Smith (Mel Gibson), who has come to the new continent to help settles start a new life. The relationship that blooms between them, however, is soon threatened by their elders—namely Pocahontas’ disapproving father, Chief Powhatan (Russell Means), and Smith’s greedy superior Ratcliffe (David Ogden Stiers). With the future of a nation in the balance, can the two sides find a common ground? With intricate animation, appealing characters and soaring music (including the Oscar-winning hit “Colors of the Wind”), the film introduced many a young viewer to American history.

Receivables Management LLC

John Kenny

• End of Lease Negotiations & Enforcement
• Third-Party Commercial Collections | ph 315-866-1167|

(Leasing News provides this ad as a trade for investigative
reporting provided by John Kenny)


Cur, Black-Mouth/Mix
Baltimore, Maryland  Adopt-a-Dog

Animal ID: 20635977
Breed: Cur, Black-Mouth/Mix
Age: 2 years 9 months 21 days
Sex: Female
Size: Medium
Color: Brown
Declawed: No
Housetrained: Unknown
Intake Date: 9/20/2015

Give us a shout: 410-396-4695

Baltimore Animal, Rescue & Care Shelter, Inc.
301 Stockholm Street
Baltimore, Maryland 21230

Monday - Friday: 2:00pm - 6:00pm
Saturday & Sunday: 11:00am - 4:00pm

Adopt a Pet


News Briefs---

Building An Alternative Lending Sales Profile
   Are You a Broker or Not?




--You May Have Missed It

The rise of the really-big-screen TV


SparkPeople--Live Healthier and Longer

Too Much Work Can Pack On the Pounds
Overtime May Add More to Your Waistline than Your Wallet


Football Poem

“Some time . . . when the team is up against it, when things are wrong and the breaks are beating the boys - tell them to go in there with all they've got and win just one for the Gipper. I don't know where I'll be then... but I'll know about it, and I'll be happy.”

spoken by Pat O'Brian about George Gipp, played by Ronald Reagan
Knute Rockne--All American [1940]



Sports Briefs----

New Dodgers Manager Dave Roberts appears to have
   support of key players including Adrian Gonzalez

Kaepernick’s shoulder surgery goes smoothly

49ers brass cooks up another messy breakup

Cowboys Try To Stay In Playoff Race Against
   Undefeated Panthers on Thanksgiving

Struggling Eagles and Lions Try To Turn
   Things Around On

Browns bench Johnny Manziel for party video,
  name Josh McCown starter

Peyton Manning's future plans now open to betting odds

Packers' full embrace awaits Favre at overdue ceremony

President Obama honors Mays, Berra with Medal of Freedom

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This Day in American History

       1602 - Explorer Sebastián Vizcaíno gave Santa Catalina Island its present name. In 1542, Juan Rodriguez Cabrillo, the first European explorer to encounter the island, referred to it as San Salvador. When Vizcaíno sheltered on the island in 1602 he renamed it Catalina, in honor of the feast day of Saint Catherine of Alexandria.
    1715 - An English patent was granted to a resident of America, to “Thomas Masters, Planter of Pennsylvania, for an invention found out by Sibylla his wife for cleaning and curing the Indian Corn growing in several colonies in America.” Sybilla, who divided her time between England and the United States, did not receive English Patent #401 for her machines and methods for preparing Indian corn. It went to her husband Thomas because of the strictures against women. The patent documents clearly state Sybilla invented the process and her signed drawings show the method of operation. She also invented a method for using palmetto leaves to make hats, the patent again going to her husband, who formally acknowledged her as the inventor. On July 15, 1717, the State of Pennsylvania granted Sybilla patent rights in her own name.
    1742 - In New York, David Brainerd, 24, was approved as a missionary to the New England Indians by the Scottish Society for the Propating of Christian knowledge (SPCK). Brainerd worked heroically from Apr, 1743-Nov, 1746, before advancing tuberculosis forced him to relinquish his work. He died in October, 1747.
    1758 - In the French and Indian War, the British captured Fort Duquesne in present-day Pittsburgh. On November 24, the French commander recognized that he faced total disaster if he were to resist. Under the cover of night, the French withdrew from Fort Duquesne, set it afire and floated down the Ohio River to safety. The British claimed the smoldering remains on November 25 and were horrified to finds the heads of some of Grant’s Highlanders impaled on stakes with their kilts displayed below.
    1783 - Although Cornwallis' surrender at Yorktown in the Fall of 1781 marked the end of the Revolutionary War, minor battles between the British and the colonists continued for another two years. Finally, in February of 1783, George III issued his Proclamation of Cessation of Hostilities, culminating in the Peace Treaty of 1783. Signed in Paris on September 3, 1783, the agreement--also known as the Paris Peace Treaty--formally ended the United States War for Independence. The news was sent by ship, preparations made, and on this day, Britain evacuated NY, their last military position in US. This was a great day of celebration in the city. By this time, some 100,000 Loyalists had fled. Also known as Tories, they had suffered various penalties for their loyalty to the Crown, including confiscation of property, removal from public office, and punitive taxation. Probably no more than 10% of the colonials were Tories, who were generally well-do-do, engaged in commerce or the professions, or public officials. Many fled to Canada, some to England.
    1832 - Birthday of Mary Edwards Walker (d. 1919) at Oswego, New York. A physician and women’s right leader, she was the first female surgeon in the US Army during the Civil War. She spent four months in a Confederate prison. The first and only woman to ever receive the Medal of Honor, awarded November 11, 1865, two years before her death, on June 3, 1916, a government review board asked that her award be revoked. She continued to wear it, in spite of official revocation, until her death. On June 11, 1977, the Secretary of the Army posthumously restored the Medal of Honor to Dr. Walker.
    1835 - Birthday of Andrew Carnegie (d. 1919) at Dunfermline, Scotland.  He led the enormous expansion of the American steel industry in the late 19th century and is highly regarded among the leaders of the US industrialization of that time.  His Carnegie Steel Corporation was sold to J.P. Morgan, creating United States Steel Corporation.  Carnegie was also a financier, philanthropist, and benefactor of more than 2,500 libraries, and Carnegie Hall, the Carnegie Foundation and the Carnegie Endowment for International Peace are among his gifts. Carnegie wrote in 1889, “Surplus wealth is a sacred trust which its possessor is bound to administer in his lifetime for the good of the community...The man who dies disgraced.” (Coda: There was no income tax deduction or financial purposes at the time for his gifts.)
    1841 - The rebel slaves who seized a Spanish slave ship, the Amistad, two years earlier, were freed by the US Supreme Court despite Spanish demands for extradition. John Quincy Adams (74), former US president, defended “the Mendi people,” a group of Africans who rebelled and killed the crew aboard the ship while en route to Cuba. They faced mutiny charges upon landing in New York but Adams won their acquittal before the Supreme Court. In thanks, they bestowed to him an 1838 English Bible. In 1996, the Bible was stolen from the Adams National Historic Site in Quincy, Mass.
    1841 - 35 Amistad survivors returned to Sierra Leone, Africa.
    1846 - Birthday of Carry Amelia Moore Nation (d. 1911) at Garrard County, KY.  This American temperance movement leader would take a band of women into a saloon and destroy it with her hatchet. Some had concerns over her sanity and there were many public comments on her emotional instability. She was NEVER - NEVER a leader in the women's temperance movement – and history viewed her as a loose cannon. Nation, a 6-foot Kansan who believed God wanted her to stamp out demon rum, and her fellow crusaders knew the value of publicity. Leigh Weimers related this story of her visit in 1903 to San Jose. Nation's advance man, G.R. Ray, offered money to local saloonkeepers if they would allow Nation in their premises (a photo op, even then). So, following a public lecture at which she railed against alcohol, Nation entered the Auzerais Hotel saloon where, Douglas notes, “she exhibited her disdain for liquor by knocking the glasses of whiskey from the hands of some of the men”.  Then, followed by a crowd of onlookers, she headed for the nearby Louvre saloon, where owner Louis Hobbs was waiting. Hobbs hadn't taken the advance man's money. He broke through the crowd, cursed Nation and punched Ray, bloodily breaking his nose. The crowd broke up the Louvre. Nation got the publicity, but not the cash support she was after.  “It appears that the crowds were more concerned with causing trouble than with hearing her message”, writes Douglas. And Nation left town, as unsuccessful in altering people's desire to alter their moods as everyone has been before or since.   
    1849 - Franklin A. Buck wrote to his sister "to turn around and go right back again like some persons who have been here and gotten homesick“.  Just twenty years old, Buck left his job in New York and set sail for California the previous January. The young man was one of 40,000 people who traveled to California by sea during the Gold Rush of 1849. He arrived in the boom town of Sacramento in October. With partners, Buck opened a supply store. Business was brisk.
    1862 - A sarcastic President Lincoln wires General George McClellan: "I have just read your dispatch about sore tongued and fatiegued [sic] horses. Will you pardon me for asking what the horses of your army have done since the battle of Antietam that fatigue anything?" Lincoln was nearly out of patience with McClellan. The President had ordered him to pursue Confederate General Robert E. Lee into Virginia after Antietam on September 17, but McClellan dallied for more than a month. A little over a week after sending this message, Lincoln replaced McClellan with Ambrose Burnside.
    1863 - The place was a small ridge overlooking Chattanooga, Tennessee.  From the one-thousand foot heights of Missionary Ridge, Confederate General Braxton Braggs' soldiers trained their artillery on the city below.  Major General Ulysses S. Grant and his men had pitched their tents there, and now the soldiers were at the mercy of those relentless cannon.  Trapped and faced with starvation and annihilation, the Union troops had lost so many horses that they couldn't even mount an artillery battery in their defense. It was a frustrating feeling of helplessness and imminent disaster, compounded by the winter drizzle and ominous skies.  Major General William Sherman had mounted an attack to the right and was quickly stalled.  Under pressure of the enemy, he requested a feint elsewhere to relieve his embattled troops.  It wasn't intended to be a major offensive, such was an improbable military operation.  The reserve troops were simply to attack the center of the Confederate lines at the base of Missionary Ridge to draw attention away from Sherman. The battle for the gun pits was furious, soldiers fighting hand-to-hand and engaging each other with bayonet.  As the Confederate soldiers were slowly defeated and the young Union soldiers gained control of the gun pits, they found themselves trapped at the base of the ridge by the cannon mounted above them.  Their brief victory had turned into a nightmare of death.  Watching from a distance General Grant's worst fears materialized as the withering fire threatened to destroy his valiant soldiers.  "Pull back," he probably thought to himself, "retreat...get out of there before it is too late."  No thought had been given to attacking Missionary Ridge that day, Grant knew it would be suicidal.  The move to the gun pits at the base of the ridge had simply been a token attack, designed to divide the enemy forces and provide some relief for Sherman's embattled soldiers.  Yet suddenly, without orders, the 18,000 young men trapped in the gun pits rose to their feet and began to assault the enemy entrenched on the 1,000-foot slope.  Angry at the suicidal offensive, Grant asked, "Who ordered those men up the ridge?"  A subordinate replied that the attack had commenced without order.  Chomping his traditional cigar and fearful of the worst Grant replied, "Well, it will be all right if it turns out all right."
Among the units advancing on the entrenched Confederate soldiers that day was the 24th Wisconsin Infantry.  The unit detailed to advance the colors was led by an 18-year old First Lieutenant named Arthur MacArthur.  When the soldier assigned to carry the battle flag of the 24th Wisconsin fell to an enemy bayonet, another soldier rushed forward to hoist the flag.  The roar of cannon fire filled the ridge and the second color bearer fell, decapitated by a cannon ball.  Bloody and wounded, Arthur MacArthur retrieved the colors himself.  Raising the already battle-scared flag high he turned to his troops with the shout "On Wisconsin!" and proceeded up the ridge.  As MacArthur reached the summit, he firmly planted the staff of the flag in the ground.  Below him the advancing soldiers saw their flag, battered and scarred, waving in the breeze at the top of the precipice.  Their hearts filled with inspiration they surged forward, doing the improbable, achieving victory at Missionary Ridge.
    1864 - A group of Confederates calling themselves the Confederate Army of Manhattan, started fires in more than 20 locations in an unsuccessful attempt to burn down New York City.
    1865 - The 7th National Woman's Rights Convention was held in New York City chaired by Lucy Stone. The progress report, made only eight years after the first call for women's rights in the history of this nation in 1848, is startling. In her address Lucy Stone said: "Our first effort... where a few women were gathered, who had learned woman's rights by woman's wrongs..."Never before has any reformatory movement gained so much in so short a time. When we began, the statute books were covered with laws against women...Now almost every Northern state has more or less modified its laws..."
    1865 - Kate Gleason (d. 1933) birthday in Rochester, NY.  She was an extraordinary businesswoman who, as a salesperson in the late 1800's, did the unthinkable: actually traveled by herself to sell her father's tool making products, even to Europe. When automobiles became the rage, Gleason turned her sales abilities to Detroit and she was so successful that she became the first woman member of several engineering groups. Later, she became the president of a bank, turned a bankrupt tool making business into profit, and went into real estate, building and restoring housing areas. One of her plans included building low-cost homes in Sausalito, California. She developed several resort areas including Beaufort, SC.
    1876 - U.S. troops under the leadership of General Ranald Mackenzie destroyed the village of Cheyenne living with Chief Dull Knife on the headwaters of the Powder River. At dawn, Mackenzie and over 1,000 soldiers and 400 Indian scouts opened fire on the sleeping village, killing many Indians within the first few minutes. Some of the Cheyenne, though, managed to run into the surrounding hills. They watched as the soldiers burned more than 200 lodges--containing all their winter food and clothing--and then cut the throats of their ponies.  The attack was in retaliation against some of the Indians who had participated in the massacre of Custer and his men at Little Bighorn. Although the Sioux and Cheyenne won one of their greatest victories at Little Bighorn, the battle actually marked the beginning of the end of their ability to resist the U.S. government. News of the massacre of Custer and his men reached the East Coast in the midst of nationwide centennial celebrations on July 4, 1876. Outraged at the killing of one of their most popular Civil War heroes, many Americans demanded an intensified military campaign against the offending Indians.
    1881 – Pope John XXIII was born Angelo Giuseppe Roncalli (d. 1963), Sotto il Monte, Bergamo, Italy.
    1884 - Evaporated milk was produced by John B. Meyenberg of St. Louis, MO, who received a patent for an “apparatus for preserving milk.” Evaporated milk is milk from which approximately 60 percent of the water has been removed by evaporation, which gave it a longer shelf life and less weight in transportation.
    1895 - Helen Hooven Santmyer’s (d. 1986) birthday, Cincinnati.  Author of “And Ladies of the Club”. When her book became famous, she was 92 and living in a nursing home. Her longtime companion, Mildred Sandoe, was also living in the same home. Santmyer had written three books while young but became a librarian in her beloved Ohio town instead.
    1909 – In NYC, the "Uprising of the Twenty Thousand" lasted 14 weeks.  It was the strike of more than 25,000 women of the International Ladies' Garment Workers Union (ILGWU) that called for higher wages and better working conditions.  The strike was only partially successful. The ILGWU accepted an arbitrated settlement in February 1910 that improved workers' wages, working conditions, and hours, but did not provide union recognition. A number of companies, including the Triangle Shirtwaist Factory, refused to sign the agreement. But even so, the strike won a number of important gains. It encouraged workers in the industry to take action to improve their conditions, brought public attention to the sweatshop conditions.  Several months later, in 1910, the ILGWU led an even larger strike, later named "The Great Revolt", of 60,000 cloakmakers. After months of picketing, prominent members of the Jewish community, led by Louis Brandeis, mediated between the ILGWU and the Manufacturers Association. The employers won a promise that workers would settle their grievances through arbitration rather than strikes during the term of the Agreement, a common clause in Union contracts today.
    1910 - Birthday of alto sax player Willie Smith (d. 1967), born Charleston, SC.
    1914 - Birthday of Joseph Paul “Joe” DiMaggio (d. 1999), born Giuseppe Paolo DiMaggio at Martinez, CA. In 1941, he captured America during “the streak”, hitting in 56 consecutive games, still the Major League record that many think will never be broken.  He was the American League MVP for three years, was the batting champion in 1939 and led the league in RBIs in both 1941 and 1948. An All-Star in each of his 13 seasons, (World War II service interrupted his career) during his tenure with the Yankees, the club won ten American League pennants and nine World Series championships. At the time of his retirement, he ranked fifth in career home runs (361) and sixth in career slugging percentage (.579). He was inducted into the Baseball Hall of Fame in 1955, and was voted the sport's greatest living player in a poll taken during the baseball centennial year of 1969.  His brothers Vince (1912–1986) and Dom (1917–2009) also were Major League center fielders.   DiMaggio was married, for nine months, to actress Marilyn Monroe in 1954.     
    1915 – Albert Einstein presented the field equations of general relativity to the Prussian Academy of Sciences.
    1915 - Birthday of reedman Gus Bivona (d. 1996), New London, CT.
    1919 - Birthday of singer Joe “BeBop” Carroll (d. 1981), Philadelphia.
    1920 – Noel Neill was born in Minneapolis.  She is best known for her portrayal of Lois Lane in the film serials “Superman” (1948) and “Atom Man vs. Superman” (1950), as well as the highly popular television series “Adventures of Superman” (1951-9).  On June 15, 2010, the southern Illinois city of Metropolis, the city that calls itself the "official home of Superman", unveiled a statue of Lois Lane. The Lois Lane statue is modelled on Noel Neill.
    1920 – Ricardo Montalban (d. 2009) was born in Mexico City.  His career spanned seven decades, during which he became known for many different roles. During the 1970s, he was a spokesman in automobile advertisements for Chrysler, and is famous for his line "fine Corinthian leather" of the Cordoba’s interior.  From 1977 to 1984, Montalbán played Mr. Roarke in the television series “Fantasy Island”. He played Khan Noonien Singh in the original “Star Trek” series and the 1982 film “Star Trek II: The Wrath of Khan”. He won an Emmy Award in 1978 for his role in the miniseries “How the West was Won”, and a Lifetime Achievement Award from the Screen Actors Guild in 1993.
    1924 - Birthday of alto player Paul Desmond (d. 1977), born Paul Emil Brentenfield, San Francisco.
    1926 - The deadliest November tornado outbreak in U.S. history struck on Thanksgiving Day. Twenty-seven twisters of great strength are reported in the Midwest, including the strongest November tornado, an estimated F4 that devastated Heber Springs, AR. There were 51 deaths in that state alone, 76 deaths and over 400 injuries in all.
    1928 - Birthday of singer Etta Jones (d. 2001), Aiken, SC.
    1930 - Acting to fill the Most Valuable Player void, The Sporting News announced its selections of New York Giants 1B Bill Terry as the MVP in the NL, and Washington Senators SS Joe Cronin in the AL.  In the 1930 season, Terry hit .401, the last in the NL to hit .400
    1931 - Birthday of cornet player Nat Adderley (d. 2000), Tampa, FL.
    1940 – Percy Sledge (d. 2015), “When a Man Loves a Woman”, was born in Leighton, AL.  The song was a No. 1 hit on both the Billboard Hot 100 and R&B singles charts in 1966. It was awarded a million-selling, Gold-certified disc from the RIAA.  Sledge was inducted into the Rock and Roll Hall of Fame in 2005.
    1941 - Stan Kenton opens at Hollywood Palladium for five weeks. He had arrived!!!
    1947 - Film industry executives announce that 10 directors, producers, and actors who have refused to testify before the House Un-American Activities Committee (HUAC) will be fired or suspended. The HUAC hearings were part of the "Red Scare" of the late 1940s and 1950s, during which Senator Joseph McCarthy and others hounded alleged communists, making unsubstantiated allegations against many innocent citizens and damaging many lives. Starting in the fall of 1947, HUAC held hearings to investigate rumored communism in the film industry. Numerous actors and executives, including Ronald Reagan, Robert Montgomery, Gary Cooper, and Walt Disney, testified. Some actors named others who allegedly belonged to the Communist Party. The hearings raised deep concerns about civil rights and freedom of expression, and some actors, including Humphrey Bogart, Lauren Bacall, and Gene Kelly, protested the hearings. Others refused to testify against their colleagues. Unfortunately, refusing to testify destroyed the careers of many actors, screenwriters, and others who were "blacklisted" (prohibited from working in the industry). The "Hollywood Ten," who refused to testify about their political affiliations, were not only fired or suspended without pay but also jailed and fined for contempt of Congress. Eventually, some 300 people were blacklisted, some on very slight evidence, and many careers were ruined. In fear for his career, Humphrey Bogart called his earlier protest against the HUAC hearings "ill-advised and even foolish”. Among those named as communists were Dashiell Hammett, Lillian Hellman, Dorothy Parker, and Lloyd Bridges. Some blacklisted writers and directors were able to work in Hollywood under pseudonyms in later years-in fact, "Hollywood Ten" screenwriter Dalton Trumbo won an Oscar for his script for “The Brave One”, written under the pseudonym Robert Rich.
    1948 - Top Hits
“Buttons and Bows” - Dinah Shore
“On a Slow Boat to China” - The Kay Kaiser Orchestra (vocal: Harry Babbitt & Gloria Wood
“Hair of Gold, Eyes of Blue” - Gordon MacRae
“One Has My Name (The Other Has My Heart)” - Jimmy Wakely
    1949 - "Rudolph, the Red-Nosed Reindeer" appeared on the music charts and became THE musical hit of the Christmas season. Although Gene Autry’s rendition is the most popular, 80 different versions of the song have been recorded, with nearly 20,000,000 copies sold. It was written by Johnny Marks based on the 1939 story of the same name, published by the Montgomery Ward Company.  The song was sung commercially by crooner Harry Brannon on New York City radio in early November 1949, before Autry’s recording hit No. 1 in the U.S. charts during Christmas week of 1949. Autry's version of the song also holds the distinction of being the only chart-topping hit to fall completely off the chart after reaching No. 1. The official date of its No. 1 status was for the week ending January 7, 1950, making it the first No. 1 song of the 1950s.
    1950 - The Great Appalachian Storm, known at the time as the "Storm of the Century", struck New England with hurricane force winds, resulting in massive forest blow-downs and storm surge damage along the Northeast coast including New York City. This storm also brought blizzard conditions to the Appalachians and Ohio Valley, becoming one of the worst storms of all time. Three hundred fifty-three people died in the event. Winds reached hurricane force along eastern slopes of the Appalachians, with gusts to 100 mph at Hartford, CT, 110 mph at Concord, NH, and 160 mph at Mount Washington, NH. Heavy rain also hit the eastern slopes, with eight inches reported at Slide Mountain, NY. The western slopes were buried under heavy snow. The storm produced record snowfall totals of 27.7 inches at Pittsburgh, PA, and 36.3 inches at Steubenville, OH.
    1951 - Birthday of Pro Football Hall of Fame coach of the Washington Redskins, (or as the PC police would prefer, the indigenous peoples of the Chesapeake watershed*) Joe Jackson Gibbs, Mocksville, NC.  During his first stint in the NFL, he coached the Redskins for 12 seasons and led them to eight playoff appearances, four NFC Championships and three Super Bowl titles, each with a different QB.  In his post-football career, Gibbs is a NASCAR championship owner after an NHRA stint.  *Tony Kornhesier.  
    1953 – Jeffrey Skilling was born in Pittsburgh.  He was the former CEO of Enron, at one time, the 7th largest firm in the US. In 2006, he was indicted on 35 counts of fraud, insider trading, and other crimes related to the Enron collapse and was convicted. He is currently serving 14 years of a 24-year, four-month prison sentence.  Though he holds a Harvard MBA, the course work of which includes accounting budgeting and pro-forma financials, he testified to the effect that he is not an accountant and does not understand accounting.  An excellent book on this unbelievable chapter in American business history…and creative accounting…is “Conspiracy of Fools” by WSJ writer Kurt Eichenwald.
    1955 - Following a summer at the top of the American pop charts, "Rock Around the Clock" by Bill Haley and His Comets became the #1 song in Great Britain.
    1956 - Top Hits
“Love Me Tender” - Elvis Presley
“Cindy, Oh Cindy” - Eddie Fisher
“Hey! Jealous Lover” - Frank Sinatra
“Singing the Blues” - Marty Robbins
    1955 - The Interstate Commerce Commission bans racial segregation in all facilities and vehicles engaged in interstate transportation, meaning buses and terminals. On December 1, Rosa Parks refuses to give up her seat in Atlanta, GA, citing this ban on racial segregation. Dr. Martin Luther King, Jr. joins her boycott and US history is changed from that date and act.
    1957 - President Eisenhower suffers a mild stroke.  Eisenhower developed a left ventricular aneurysm, which was in turn the cause of this stroke. This incident occurred during a cabinet meeting when Eisenhower suddenly found himself unable to speak or move his right hand. The stroke had caused an aphasia impairing his speech.
    1959 – Jack Scott released "What In The World's Come Over You"
    1960 - Radio actors were put out of work when CBS radio axed five serials (soap operas) from the airwaves. We said so long to "The Second Mrs. Burton" (after 14 years), "Young Doctor Malone", "Whispering Streets" (after 8 years), "Right to Happiness" (after 21 years) and "Ma Perkins" (after 27 wonderful years.) In 1940, the high point for these radio programs, there were as many as 45 on the air each day!
    1960 - Birthday of Amy Grant gospel singer (“Glory of Love”, “Baby Baby”), Augusta, GA.
    1960 - Birthday of John F Kennedy Jr., son of President and Mrs. John F. Kennedy, in Washington, DC.  He and his wife died when a plane he was piloting crashed in 1999 off Martha’s Vineyard.
    1961 - The Everly Brothers join the 8th Battalion of the US Marine Corps Reserve, arriving at California's Camp Pendleton. .
    1963 - President John F. Kennedy was laid to rest at Arlington National Cemetery.
    1964 - Top Hits
“Baby Love” - The Supremes
“Come a Little Bit Closer” - Jay & The Americans
“Ringo” - Lorne Greene
“I Don’t Care (Just as Long as You Love Me)” - Buck Owens
    1965 - Birthday of NFL Hall of Fame wide receiver and current ESPN analyst Cris Carter, Troy, OH.
    1967 - "Incense and Peppermints" by The Strawberry Alarm Clock hits the top of the Billboard Pop chart. The recording was initially intended as a 'b-side' and the lead vocal is actually that of a friend of the band, 16 year old Greg Munford, who was just hanging around during the session. Munford was not even a regular band member, but ended up singing a tune that would become a Rock and Roll standard and sell over a million copies. Despite this success, Munford never actually joined the group and drummer Randy Seol sang the song in concert.
    1972 - Top Hits
“I Can See Clearly Now” - Johnny Nash
“I’d Love You to Want Me” - Lobo
“Summer Breeze” - Seals & Crofts
“She’s Too Good to Be True” - Charley Pride
    1973 – A Presidential order was issued requiring a cutback from the 70 mile-per-house speed limit.  The 55 mile-per hour National Maximum Speed Limit (NMSL) was established by Congress in January, 1974 (PL-93-643). The National Highway Traffic Administration reported that “analysis of available data shows that the 55 mph NMSL forestalled 48,310 fatalities through 1980. There were also reductions in crash-related injuries and property damage. Motor fuel savings were estimated at 2.4 billion gallons per year.  Notwithstanding, in 1987, Congress permitted states to increase speed limits on rural interstate highways to 65 miles per hour. There are several states where the posted speed is higher.
    1975 - Deep in debt, Elvis Presley borrowed $350,000 from the National Bank of Commerce in Memphis, TN. His Graceland estate was put up as collateral.    
    1980 - Top Hits
“Woman in Love” - Barbra Streisand
“The Wanderer” - Donna Summer
“Another One Bites the Dust” - Queen
“Lady” - Kenny Rogers
    1980 - Roberto Duran quit fighting with 16 seconds left in the eighth round, saying, “No mas, no mas ( No more, no more),’ allowing “Sugar” Ray Leonard to regain the WBC welterweight title.
    1983 - The "Great Thanksgiving Weekend Blizzard" hit Denver, CO. The storm produced 21.5 inches of snow in 37 hours, closing Stapleton Airport for 24 hours. The snow and wind closed interstate highways around Denver. Visibility at Limon, CO was down to zero for 24 hours.
    1984 - The ‘Golden Bear’, Jack Nicklaus, sunk an 8-foot birdie putt on the last hole to win the second Skins Game -- for $240,000. He beat Tom Watson, Arnold Palmer and Gary Player (the 1983 winner).
    1986 - U.S. Attorney General Ed Meese announced that profits from covert weapons sales to Iran were illegally diverted to the anti-communist Contra rebels in Nicaragua.
    1986 - Don Shula of the Miami Dolphins ended speculation about his possible move to another NFL franchise by signing with the Dolphins again.
    1986 - For the first time in Billboard chart history, the top three spots are occupied by female artists. #1 is Cyndi Lauper's "True Colors", #2 is Tina Turner with "Typical Male" and #3 is Janet Jackson's "When I Think of You".
    1986 - Jose Canseco wins the American League's Rookie of the Year Award. The Cuban-American is the first A's player to win the honor since Harry Byrd accomplished the feat for the Philadelphia A’s in 1952.     
    1988 - Top Hits
“Bad Medicine” - Bon Jovi
“Desire” - U2
“Baby, I Love Your Way/Freebird Medley” (“Free Baby”) – “Will To Power
I’ll Leave This World Loving You” - Ricky Van Shelton
    1989 - Songwriter Diane Warren was the author of the number 1 and number 2 songs in the US. "When I See You Smile" was a hit for Bad English, and "Blame It on the Rain", was credited to Milli Vanilli. Warren would go on to write "I Don't Want to Miss a Thing" for Aerosmith and the Armageddon soundtrack in 1998.
    1990 - NFL's NY Giants and San Francisco 49ers, after winning their 1st 10 games, both lose.  The Philadelphia Eagles beat the Giants 31-13 and the L.A. Rams beat the 49ers 28-17.  The two would meet again in the NFC Championship, won by the Giants 15-13 after the Giants recovered Roger Craig’s fumble as the Niners were running out the clock.  Earlier in the game, the Giants Leonard Marshall separated QB Joe Montana from the ball… and parts of his body…knocking Montana out of the game with a broken finger and bruised sternum.  It remains one of the NFL’s more vicious, completely legal hits and prevented the Niners drive to Three-peat.
    1995 - Whitney Houston's song "Exhale" debuts at the top of the charts. This was the third Houston single to top the charts on the day of its release.   
    1996 - America Online announced it would sell its WebCrawler search engine to Excite. In return, AOL received some $20 million worth of Excite's stock, increasing its ownership stake in the online directory to twenty percent. The newly formed Excite directory was created in a garage by six Stanford University graduates who borrowed $15,000 from their parents. By 1999, the site was receiving some seventeen million hits per month, and that year, At Home Corp., a cable modem company, purchased Excite for $6.7 billion. @Home filed a bankruptcy petition in 2002.
    1996 – An ice storm struck the central U.S. and killed 26 people. A powerful windstorm hit Florida and winds gust over 90 mph, toppled trees and flipped trailers.
    1999 - Five-year-old Elian Gonzalez was found clinging to an inner tube off the coast near Fort Lauderdale, Florida. The boy, his mother, stepfather, and eleven other Cubans had boarded a small boat in Cuba and attempted to cross the ocean to the U.S. Elian was one of three to survive (his mother and stepfather both drowned). He lived with relatives in Miami until he was seized by the INS in an early morning raid on April 22, 2000. Jokes on the internet were plentiful with a rifle held at his head. He returned to Cuba with his father on June 28.
    2013 – “The Hunger Games: Catching Fire” grossed $161 million in the U.S. and Canada, becoming the most successful film ever released in November.
    2014 - Negotiators have extended until next June the deadline for agreements regarding Iran's nuclear program; despite failure to meet the deadline, both Iran and the six-nation group claim that progress has been made.



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Top Stories

(chronological order)

- Why Every Broker Needs to be Licensed
    in the State of California
- Article on Where to Get a California
    Finance Lenders License
- Not Licensed Funders “Looking for Brokers”
   in California
- Opportunity Fund--Major Backer of CA SB 197
   "Working Capital for Working people"
- RBC Completes Acquisition of City National
   Parent of First American Equipment Finance
- Ascentium Capital Announces $281 Million Securitization
- Marlin Announces Thrust into Commercial Truck and Specialty Vehicles
- Valerie Jester Receives 2014 Award
    Leasing Person of the Year
- ELFA San Antonio Conference Report
   Forecast Equipment Finance Market to Hit $1.045 Trillion
- VGM Group, Inc. CEO and Founder Van G. Miller
- FinTech Legend Dave Murray is Back, This Time
  as Copperline Capital, LLC, Chicago, Illinois
- A Look at Why John Thain is Retiring from CIT
- Barry Drayer Released after Serving 13 Years
- Small Business Alternative Lending Conference
- OnDeck Expands Product Set To Meet
  Full Range of Small Business Financing Needs
- In a Surprise Move, Marlin Business Co-Founder/CEO
  Daniel P. Dyer Resigns
- Hiring a Credit Analyst
- Report on the NEFA Atlanta, Georgia Conference
- NEFA Elects New Officers
- California Gov. Brown Signs SB 197 and SB 235
    Better Be a Licensed Finance Lender to do Business Here
- Your “Return on Investment” on eDocs
- Alert: Integrity Financial Group
 Active Again on the Internet
- Originators 89% Satisfied with Current Position
  Survey Finds: 56% Had Incomes of $125,000
- Changes in the Commercial Finance and Leasing Industry
- Insurance Certificates are Often Virtually Worthless
- Richest Man in Leasing: Steven Udvar-Hazay
- Canadian Finance and Leasing Association
   Annual Conference Report by Hugh Swandel
- The 50 Best Fintech Innovators Report
- Most Report Leasing Business Up in August
- New "Same Day ACH" Goes into Effect Sept. 23, 2016
- Light Attendance at NAELB Atlanta Conference
- In California, You had better have a license to lease
- My Opinions on Major License Changes
  for Lease Financing in the State of California
- Who Needs a Desk? Watch the Change
- Advice on Testifying at a Deposition
- Reader Says Too Many Telephone Calls to Client
  All Generated from UCC Filings
- Employee Exodus at Direct Capital, Portsmouth, NH
- Jeff Rudin Family Adopts Mindy
- Top Five Leasing Company Web Sites
  in North America
- Leasing News Bulletin Board Update
   Hawkins Counter Sues $50,000 Judgement
Fed Chair Asks Cobra Capital for a Survey
- Apple Moves to Direct Financing
     Leasing News Exclusive
- How Many Types of Leases?
- OnDeck Capital Hit with Several Law Suits
- President of EAR Sentenced to Five Years
- Stick Mobility--Yoga to the Next Level
  New Exercise for Individuals or Groups
- Dale Kluga Sees Alternate Finance Bubble Ahead
   Concerned History is Repeating Itself
- 79 page 10Q SEC Filing Marlin Business Services
    What Was Not Fully Covered in the Press Release
- Marlin Business Bank Loan Website Requirements - Really?
- The top 50 brands in Quick Service and Fast Casual
- Will Voice Mail Become Part of the Past?
- Charlie Chan on Balboa Capital
- The Volume Produced by Alternate Finance is Astounding
   Changing the Way Credit Decision Are Being Made
- NAELB Leasing School Says it is Time
- All Wireless Phones to Have Anti-Theft Devices
- Dan Baldwin Forms "Cloud Broker Association"
- CLFP Foundation Breaks Record, Plus 18 New Members
- FDIC Cases Against Failed Bank Directors & Officers 26 to Date
- Senior Vice President Sentenced to Federal Prison
    Loss to Bank was $991,680
- Web App with Calculator for Vendors- One Month Free Trial
- Equipment Finance Decision Maker Survey Results:
   Vendor & Small Biz
- Bank Officer Gets One Year/$174,000 Judgment
- 182 Bank Officers Plus Investigated by SIGTARP
- Element Financial Tearing Up the US Market
- Which States Finance the Most Equipment
- New Website
- Lease One Tagged for Fraud in Lease Commitment
     by Tom McCurnin, Leasing News Legal Editor
- Three New Bulletin Board Complaints
    US Business Funding, Newport Beach, California
- Verhelle Founds Harvard Partners, LLC
- Business Loans/Cash Advance Increase
- Subject: Need a corporation 3-7 years old? Reaction
- Financial Pacific Leasing Digitizes
   End-to-End Transaction Lifecycle with DocuSign & eOriginal
- "Your lease rates are too high"
- Bulletin Board Complaint
   Balboa Capital, Irvine, California
- Provide “Added Value” by Protecting Your Customer
    Get Repeat Customer/Vendor Business with These Tips
      By Christopher Menkin
- Reader Complaint About LEAF Financial Investment (Collection)
- 2015 U.S. Digital Future in Focus
     by comScore
- Report: “The Impact of Alternative Financing on the
    Equipment Leasing and Finance Industry"
- The Equipment Leasing and Finance Foundation Releases
 study "Digital Documents in the Equipment Finance Industry”
- Bulletin Board Complaint Matrix Business Capital
    First Response to Cease & Desist
- US Business Funding, Newport Beach, California
  Bulletin Board Complaint $5,915 Deposit Made in 2013
- Update--Balboa Files: "It was an Operating Lease"
   By Tom McCurnin and Frank Peretore 
- Leasing Brokers: When May You Collect a Commission?
- Bulletin Board Complaint
    Integrity Financial Groups, Alpine, Utah
- “Capital” or “Finance” in Name, Better Have a License
- Bulletin Board Complaint
  Brian Acosta/Matrix Business Capital
- Maricle Found Guilty in Not Returning Advance Fees  
- Balboa Capital Sued in Federal Court for
        Bait and Switch Sales Tactics
- Details, Details...How Important are they?
   Very, When the Lessor Sneaks in a Blanket Lien
- What is Leasing?
    Legal Definitions by Leasing News Legal Editor Tom McCurnin
- Invest in Your Country
  U.S. Savings Bonds
- How to be a “Leasing Expert Witness”
    and Make Extra Income
- 2014 Survey Reports Expert Witness Hourly Fees
    Record All-Time Highs
- Your Photograph on
Use a Password Generator
- Banks Turn Toward Leasing for More Profit
- Why Leasing News is Different
- Take Your Banker to Lunch
- Look Out!!! --Two Evergreen/PRR Clause Lessors Merge
   Onset Financial/Mazuma Capital
- Lease Police Tips on Judging Vendors
- Netiquette: Rules of Behavior For Email and the Internet
- Alert: Rudy Trebels Back Soliciting Broker Business
- HL Leasing/John Otto--Update
- NorVergence- Year end, 2013
- Twelve Lawyers Against Evergreen Clause Abuse
- Wants to Go After Lessors and Their Attorneys
   Re: Evergreen Clause Abuses
- Sample of Usury Laws in United States
- Balboa Capital Class Action Case Settled--$5 million?
- Old Cowboy On His Horse
- Leasing Brokers: When May You Collect a Commission?
- Is Long Term Leasing Dead?
- 5 Ways Women Are Better Bosses Than Men
- Balboa Capital, Irvine, California
   $20,543.22 Bulletin Board Complaint
   Alleged “Bait and Switch”
- Female Lease Finance Association Presidents
- Broker’s Responsibility to Obtain
    California Lender’s License
- The Day that Albert Einstein Feared May Have Finally Arrived
- Equipment Finance Agreements Explained/Barry S. Marks
- Royal Links "True Lease" Court Ruling
- "The Memory Shock" –New Book by Barry Reitman
- Jeff Taylor's Leasing Predictions, Spring, 2006
- New Case against Mazuma Capital and Republic Bank
  ---Automatic Evergreen Payment---PPR
- Charles Schwartz and Allied Health
- Copier Wars---It's more than the lease payment
    by Christopher Menkin
- Leasing Gypsies
- Verifying Tax Returns
- Special Report: Part I
   Could Church Kiosks, Royal Link Carts, NorVergence results been avoided?

   The use of “Equipment Finance Agreements”
- Special Report: Part II
    Bank of the West

   Equipment Lease Agreement (EFA)
- California License Web Addresses
- Settlement Costs vs. Litigation Costs