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Leasing News is a web site that posts information, news, and
entertainment for the commercial alternate financing,
bank
, finance and leasing industries

kitmenkin@leasingnews.org
   


Inside Sales Manager
San Francisco

We are currently seeking qualified talent to be primarily responsible for overseeing the Inside Sales Department within the Vendor business group of the Equipment Finance Division, while developing and improving policies and procedures to properly support high production volume.

For more information
click here

www.bankofthewest.com



Wednesday, June 29, 2016



Happy Fourth of July


Today's Equipment Leasing Headlines

Bob New Passes Away
Ran His Company 56 Years While Blind
British Exit (or Better Known as "Brexit")
  U.S. Finance/Leasing Executive Reactions
“New Incentive Plan”
   Cartoon
New Hires---Promotions in the Leasing Business
  and Related Industries
Leasing Industry Ads---Help Wanted
Ascentium Capital/Bank of the West/Channel Partners/Pawnee Leasing
Sales Make it Happen by Steve Chriest
Today's Lease Salesman Must Read Financial Statements
Northern Leasing Case Cleared for Class Action
   By Tom McCurnin, Leasing News Legal Editor
May, 2016 --The List
  "The Good, the Bad and the Ugly"
Using “Pay Per Click” Marketing
to Compete with Larger Lenders & Banks
FinTech #102 by Brittney Holcomb
Third Annual Global Leasing Forum, Tianjin, China
   by Amembal & Halladay and Tianjin NFMedia, Ltd
Yankee Doodle Dandy/An American Tail
Glory/Forrest Gump/Independent Day
July 4th Movie Recommendations by Fernando Croce
Labrador Retriever/Cocker Spaniel Mix
Glendale, California   Adopt-a-Dog
News Briefs---
Lending Club plans layoffs,
  discloses loans to former CEO and family members
Leasing Market in Europe Reacts to Brexit
  from LEASINGLIFE, Widely Read European On Line Media
Lenders Rejected by Supreme Court on State Interest Caps
  States Can Enforce Interest Rates Deals Purchased by Banks
Sample of Usury Laws in United States
Interest Limits per State (see above, Banks not immune on purchase)
GE to Sell Restaurant Financing Assets
  Net Investment $1.4 Billion/$0.2 Billion to GE
Volkswagen Agrees to Pay $14.7 Billion to Settle
    Diesel Scandal Claims in the U.S.

Broker/Funder/Industry Lists | Features (writer's columns)
Top Ten Stories Chosen by Readers | Top Stories last six months

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######## 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.




[headlines]

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Bob New Passes Away
Ran His Company 56 Years While Blind


Long time broker/lessor Bob New passed away. He reportedly suffered a stroke and was in bed for the past couple of years.  Bob operated his leasing business since 1957 at the same location in in Glendale, California, while he was blind.  In 2012, his company of six employees announced a "joint venture" with CNG Leasing at their corporate office in Reno, Nevada. He basically retired shortly thereafter.

His longtime friend, Ross Reida, informed Leasing News there is a funeral planned for Wednesday, July 6th, 1:00pm, Forest Lawn Cemetery, Glendale, California. There is a viewing prior on July 5th at 5:00pm. At this time, Bob's wife is putting together an obituary, which was not available at press time.

Bob was a long-time reader and early contributor by telephone to Leasing News.


[headlines]
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British Exit (or Better Known as "Brexit")
U.S. Finance/Leasing Executive Reactions

"I use Funding Circle, and they rely on funding from the UK for their operations. I read that the European Investment Bank had just announced a deal with Funding Circle (my best working capital lender) to provide £100m. I use Funding Circle a lot and I hope this doesn't affect their availability of funds. Their parent company is in the UK.

"I deal with the San Francisco office. Everybody there is straight from England. They had to move here to open up that office. They are delightful to talk to.  They had a booth at the NAELB conference in Vegas. Nice folks and they take real good care of my customers."


 Rosanne Wilson, CLFP, BPB
1st Independent Leasing, Inc.

"We have not discussed this as a group. My personal view is it may help us a bit. Our business is primarily based in North America and we compete with banks on a regular basis. To the extent banks in general become more tentative or cautious it tends to open up more avenues for us."


 Robert VanHellemont
Chairman of the Board
Varilease

"It is too early to determine how Brexit may affect our business. It certainly has had a negative impact on the banking sector stocks, including UMPQ.  This is probably a reflection on investor worries around the general world and US economy and the direction of interest rates. If we see any impact from the Brexit event, it will be in a macroeconomic context and slower growth or declining GDP in the US. That will slow down originations broadly in our industry. The luxury FinPac has is that we are growing at a high rate already so a little slowdown will not be felt as much."


Paul Menzel, CLFP
President & CEO
Financial Pacific

"We are primarily in North America with the majority of our business in the US. I don’t believe that the economic uncertainty in the UK will directly impact our business. I’m curious to hear what others have to say though."


Charles Anderson
President, IMCA Capital

 “We believe that this event will be positive on interest rates here in the US. We highly doubt that the Federal Reserve will raise rates again in the near future amid weakness in the global economy how this event could further disrupt that. For us directly, we are keeping an eye on our clients in which we do accounts receivable financing. Some of them do significant business in the UK as well as have account debtors that are located in the UK. We are carefully monitoring the credit worthiness of those UK based account debtors as well our clients sales tied to interests in the UK."


Kris D. Roglieri
CEO, Prime Commercial Lending

“Mixed messages on the news among the stock market being affected.  In 2001 when it changed to the EU we knew then it was a recipe for disaster.

"I would like to add that we got a lot of leads in today from vendors working with customers for quotes. So maybe this will be good for US:"


Barbara Griffith, President
Southern California Leasing

"We do business with banks and insurance companies, some of which have subsidiaries in Great Britain and the EU but, at this point, it appears that any “trickle down” effect will be minimized because there is little direct interaction between the overseas subsidiaries and those that operate domestically"


Bob Rodi
VP of Credit and Risk Management
FranFund Inc.

"I think the 'Brexit' - is just one more thing to add to the pile of issues with which we are dealing coming into the second half of the year. Between the circus-like election, continued pressure on margin, ever widening credit appetites- 'flat' will be the new "up" for 2016!"


Valerie Jester
Brandywine Capital

"Frankly I think only on a macro basis.  More uncertainty, an election year, summer, lease accounting...  I don’t like making excuses but there certainly are headwinds."


David T. Schaefer, CLFP
CEO, Orion First

"Everyone is affected by the Brexit decision. Most immediately we are all impacted by the flight to treasuries and the corresponding drop in yields for any deal tied to T-bills. Just yesterday the 3 and 5 year T-bill rate dropped 29bp and 45bp, respectively, since October of last year. While the Brexit effect will dissipate, it remains unclear when and what other fallout will impact the U.S. Economy. Bigger issues above my pay grade are how Brexit will defer future Fed interest rate increases which just earlier this year seemed almost certain."


Dale R. Kluga
President
Cobra Capital

"I’m not smart enough to pretend to know the impact and or if this event will or won’t harm our business in the US. 

"Economic and Political uncertainty tends to be a negative but at the end of the day businesses across America will continue to require capital to conduct business for expansion and improve productivity.  Ascentium’s focus is to continue to increase our piece of that pie each year regardless.

"Typically these types of situations are overdone one way or the other and then tend to find equilibrium at some point…just wish I had a crystal ball that could better define 'some point'

"We have become accustomed to understand that there is always some type of macro event every year of so that causes uncertainty…. at the end of the day we simply deal with it."


Richard A. Baccaro
Chief Sales and Marketing Officer
Ascentium Capital

"Much panic has entered the world markets over Brexit and the sun came up this morning. Most experts have not accounted for the fact that the UK never fully engaged with the EU as it maintained is currency among other issues.

"The sky is not falling and this will pass in a few days as other issues in the world will take the headlines. Scotland can be interesting in all of this as this might cause them to break from the UK and engage with the EU. Time will tell as it always does. Hopefully cooler heads will prevail."


Bud Callahan
National Equipment Leasing

"Economically, the whole matter has been overblown from a US perspective. However, having been overblown, the stock market contagion may continue which has an impact on the economy in so many ways. If we are entering a phase of lower confidence because of the impact on personal wealth... recession pressure will be real."


Paul Weiss
Panthera Leasing

"Brexit should not change anything. UK amounts for less than 3% of US exports. Interestingly enough the US is the United Kingdom’s single biggest trading partner (nearly 15%) – much more than even Germany.

"Highly doubt that Brexit will hurt UK trade that much anyway. People can be highly motivated when trade is involved and the EU sells 16% of their exports to the UK. If the EU does not come to the table fairly with the UK, other countries will sense an opportunity so I think it’s highly likely that the tough EU rhetoric dies down over the next month."


John Boettigheimer
Centra Leasing, Inc / 4 Hour Funding LLC

 

 

[headlines]
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[headlines]
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Leasing Industry Help Wanted

channel partners capital top20

Channel Partners Capital was formed in 2009 by a group of leasing professionals to work exclusively in the equipment finance market helping brokers/lessors gain access to working capital solutions for their customers. As a direct lender we provide small business loans that range in size from $10,000 to $250,000.

Inc. Magazine 500/5000 fastest growing private companies for 4 consecutive years
100 Best Companies to Work for in Minnesota by Minnesota Business Magazine

channel partners capital
channel partners capital
channel partners capital
channel partners capital top20

BE A PART OF OUR GROWING TEAM

National Sales Representative
This position will be responsible for volume growth through existing and new third party relationships (TPRs). The NSR is the primary contact with TPRs actively managing customer contact, expectations, new product/program development and the sales pipeline. Nationwide scope with travel required from 25-50% of time.
More

Inside Sales Representative
This position is responsible for volume growth through existing and new third party relationships (TPRs). The ISR, supports assigned TPRs actively managing customer contact, expectations, new product/program development and the sales pipeline.
More

Please email cover letter and resume to: careers@channelpartnersllc.com

channel partners capital
channel partners capital top20 channel partners capital


Senior Credit Analyst

- Minimum 5 years of small ticket/high volume equipment finance underwriting experience preferred
- Relocation benefits available for the right candidate
- For a complete job description, please click here

Senior Credit Analyst - Transportation

- Minimum 5 years of small ticket/high volume equipment finance underwriting experience preferred
- Relocation benefits available for the right candidate
- For a complete job description, please click here

www.pawneeleasing.com
Established in 1982, Pawnee Leasing Corporation located in Fort Collins, CO specializes in commercial equipment leasing and financing up to $150,000 to smaller, closely-held business enterprises. Pawnee Leasing is a U.S. subsidiary of Chesswood Group Limited, a publicly-held specialty financial services company based in Toronto, Canada (TSX:CHW).

 

Inside Sales Manager
San Francisco

We are currently seeking qualified talent to be primarily responsible for overseeing the Inside Sales Department within the Vendor business group of the Equipment Finance Division, while developing and improving policies and procedures to properly support high production volume.

For more information
click here

www.bankofthewest.com


For information on placing a help wanted ad, please click here:
http://www.leasingnews.org/Classified/Hwanted/Hwanted-post.htm

Please see our Job Wanted section for possible new employees.

[headlines]
--------------------------------------------------------------

 

New Hires---Promotions in the Leasing Business
and Related Industries


Jason Dauderman was hired as CEO, DealSafe, Phoenix, Arizona.
Previously, he was Founder/CEO, Alertified, LLC (April, 2016 - Present); Management Consultant, Dauderman Consulting (July, 2011 – April,  2016); President & CFO, Southwest Financial LLC / Express Auto Spot (May, 2013 – October, 2015); CFO, Aerosim (December, 2009 – June, 2011); CFO, Delta Connection Academy (July, 2006 – June, 2011); VP Sales, First American Equipment Finance (April, 2005 – April, 2006); Vice President, Global Vantage Ltd. (2002 – 2006). Education: Columbia University, Columbia Business School MBA, Finance & Economics (2000 – 2002); University of California, San Diego, BA, History (1989 – 1993).
https://www.linkedin.com/in/jason-dauderman-ba2125

Jackson Dison was hired as Senior Business Development Manager,
Marlin Business Services, Mount Laurel, New Jersey. He is responsible
for Transportation,  Commercial Truck and Trailer dealers in the Southwest. Previously, he was Business Development Manager, Engs Commercial Finance Co. (September, 2015 – June, 2016); Transportation Specialist, Regions Financial Corporation (December, 2014 – September, 2015); Relationship Manager, GE Capital (June, 2013 – January, 2015); Financial Solutions Advisor, Bank of America (November, 2011 – June, 2013). Education: University of Central Arkansas. University of Texas at Tyler, Bachelor’s Degree, Business Administration and Management, General.
https://www.linkedin.com/in/jack-dison-10969684


Kenneth Eisler was hired as Senior Vice President, First National Bank in Staunton, Illinois. Previously, he was Senior Vice President, Group Manager, First Bank (December, 2005 – March, 2016); Senior Vice President, Group Manager, First Bank (December, 2005 – March, 2016); Vice President – Sales, FINOVA Capital Corporation (October, 1986 – November, 1996). Volunteer: Junior Achievement Economic Empowerment; Federal Reserve Bank of St. Louis, Instructor - Teach Children to Save Program. Education: The George Washington University, Master of Business Administration (MBA), Business Administration (1978 – 1980). Rutgers University, Bachelor of Arts (B.A.), Business Administration and Management, General (1973 – 1977). Activities and Societies: Varsity Basketball, Student Manager.
https://www.linkedin.com/in/kenneth-eisler-0a53934b


David Fritzshall was hired as Sr. Business Development Manager, transportation, Marlin Business Services, Mount Laurel, New Jersey.   He is based out of Boca Raton, Florida, responsible for Southwest sales. Previously, he was, Business Development Manager, Engs Commercial Finance Co. (January, 2016 – April, 2016); Director Of Finance, Nationwide Equipment Finance (October, 2013 – January, 2016 ); Regional Sales Manager, Ascentium Capital (June, 2012 – October, 2013); Equipment Finance Specialist, Independent Equipment Finance Representative (June, 2009 – June, 2012); Equipment Finance Specialist, Independent Equipment Finance Representative (June, 2009 – June, 2012); Account Executive, RG Crown Bank (August, 2002 – April, 2005); Business Development, Wells Fargo FKA Green Tree/Conseco (April, 1998 – September, 2001); Team Leader, Southeast, Trans Leasing International (GE Capital) (October, 1996 – April, 1998); Independent Representative, Rockford Industries (October, 1995 – October, 1996); Account Executive, AT&T Capital Corp. (January, 1994 – October, 1995); Account Executive, Trans Leasing International (1988 – January, 1994); Volunteer: Horses Healing Hearts (December, 2013 – Present) Children. Education: Southern Illinois University, Carbondale, Bachelor of Science (BS), Marketing (1985 – 1988). Webster University, N/C, Business Administration and Management, General (1992 – 1992).
https://www.linkedin.com/in/david-fritzshall-1094a15b


John Geist was hired as President, Leasing and Equipment Finance at Synovus Financial Corporation, Charleston, South Carolina. Previously, he was President, Leasing and Equipment Finance (Synovus Financial Corporation (July, 2013 – June, 2016); former Partner, Crested Butte Brewing Company (September, 2006-2010): Managing Partner, StoneStreet Capital (2002 – Present); Executive Vice President, Bank of America (1978 – 2002); President, NationsBanc Leasing Corporation (1991 – 1998). Education: Duke University, Bachelor of Science, Business Administration.
https://www.linkedin.com/in/john-geist-87a464a


Pete Graham hired as Chief Financial Officer and Executive Vice President for the PRA Group, Inc. (NASDAQ: PRAA). He originally joined GE Asset Management, April, 2002, which as purchased by Genworth, where he was Manager, Financial Planning & Analysis. September, 2005 he was Global Controller, Treasury, GE; promoted November, 2013, CFO, Capital Markets, GE Capital; promoted, November, 2013, CFO, Business Development Mergers & Acquisitions; promoted October, 2014, CFO, Commercial Distribution Finance; promoted, February, 2015, Senior Finance Executive, Business Disposition.  He began his career in 1992, KPMG, leaving as Senior Manager, 2002.  Certified Public Accountant. Education: The University of Connecticut School of Business, BA, Accounting (1989 – 1992).
https://www.linkedin.com/in/petermgraham


Laura Grill was hired as Asset Management, BB&T, based out of Charlotte, North Carolina. Previously, she was Director Asset Management, Wells Fargo Equipment Finance (August, 2004 – June, 2016); Director, Asset Management, Siemens Financial Services (1997 – 2004); Asset Management, AT&T Credit Corporation (Acquired by CIT) (1992 – 1997); Asset Management Associate, AT&T Credit/NCR (1992). Education: Elon University (1986 – 1991).
https://www.linkedin.com/in/laura-grill-8845639


Dave Herring has been named Vice President of Sales, Transportation, Finance Group, Marlin Business Services, Mount Laurel, New Jersey. He is based out of the Dallas/Fort Worth Area. Previously, he was Co-Founder, FFS Capital Solutions (April, 2015 – April, 2016).  He joined GE Capital, August, 2005 as VP, Relationship Manager; promoted January, 2009, VP, National Account Manager; promoted March, 2010, SVP, Regional Sales Manager. Prior, he was Regional Sales Manager, The Randstad Group (August, 2003 – January, 2005); Industry Relations and Marketing Manager, CitiCapital (Formerly The Associates Commercial Corporation) (June, 1996 – August, 2003).  Volunteer: Elected Councilmember, Coppell City Council (January, 2000 – January, 2003). Elected to the Coppell City Council in 2000. Represented the citizens of the City of Coppell population 44,000. Education: Angelo State University, Bachelor of Business Administration, Finance
https://www.linkedin.com/in/daveherring1


"Hans Morris has assumed the role of Chairman of the Board of
Directors of the Lending Club, San Francisco, California."  He previously was "a director of portfolio companies Lending Club, Payoneer and Cardworks. Previously, he was Managing Director at General Atlantic, a global growth equity firm, where he continues to serve as a director for KCG. From 2007-2009, he was President of Visa while it completed its reorganization and 2008 IPO, which remains one of the largest in history. He was at Citigroup and its predecessors for 27 years in various roles, including CFO of the institutional businesses, COO of the investment bank, and head of the financial services group. Hans is a graduate of Dartmouth College."


Scott Sanborn announced as President & CEO, Lending Club,
San Francisco, California.  LinkedIn has him in this position April, 2016. He joined the firm May, 2010 as Chief Marketing Officer; promoted April, 2013, Chief Operating Officer & Chief Marketing Officer. Previously, he was Chief Revenue & Marketing Officer eHealthInsurance (November, 2008 – February, 2010.  He joined RedEnvelope as CMO, April, 2007; appointed President (April, 2008 - July, 2008). Prior, he was SVP Marketing, HSN / Home Shopping Network (December, 2002 – April, 2007); VP Online Marketing
hsn.com (December, 2002 – March, 2004); VP Client Services, i-traffic / AGENCY.COM (1998 – 2002); Account Director, Lintas Amsterdam (1996 – 1998). Languages: Dutch. Education: Tufts University, Bachelor of Science (BS) (1987 – 1992),
https://www.linkedin.com/in/scottsanborn

Carl Vitale was hired as Relationship Manager, EverBank Commercial
Finance; he is based out of the Greater Atlanta Area.  Previously,
he was Vice President, Wells Fargo Equipment Finance, Inc. (June, 2003 – May, 2014); Regional Sales Manager, XTRA Lease (1991 – 2003). Education: Rowan University, MBA, Commerce, Management
(1993 – 1997); Niagara University, Bachelor's degree, Commerce
(1980 – 1984).
https://www.linkedin.com/in/carl-vitale-696a322

 



[headlines]
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Sales Make it Happen by Steve Chriest

Today's Lease Salesman Must Read Financial Statements


It has become critical to be able to understand financial statements and tax returns, particularly in small ticket leasing.

As a sales professional, there is at least one sure-fire way to increase your value to your company and to any organization – learn to read and understand financial statements. Then study tax returns.  The best way to start is to ask for financial statements, even if you don't need them.  Perhaps setting up a "master lease" or "line of credit" or to "speed up the process." 

In keeping with my perspective that people change behaviors only when they perceive something beneficial in it for them to do so, here is my short list of the benefits to leasing salespeople of learning to read and understand financial statements:

The ability to read and understand financial statements will make you appear smarter.

  • You will build credibility in your organization with your managers, credit analysts and senior managers.
  • You will build credibility with your customers as you demonstrate through analysis that you truly understand their business.
  • You will save yourself time as you learn to pass on deals that you know will waste the time of credit analysts and will lead to frustration for everyone.
  • You will gain confidence and independence when making personal investment decisions.

From a selfish perspective, assisting credit analysts with an educated point of view on a deal, or saving them time by discarding deals that don't make the grade from a financial analysis perspective will naturally position you in the eyes of the credit analysts as a professional who cares about their time and workload. Don't be surprised when most analysts are willing to listen to you when you want to present a deal that doesn't quite fit the credit box, but may deserve consideration based on other criteria.

Finally, achieving some level of expertise in understanding financial statements can actually be fun. When you understand that all businesses, sooner or later, suffer from commoditization and become white elephants, that “profit” isn't the end-game of business, but is instead the ultimate cost of staying in business, and that without profits, and real free cash flow, a company is unable to continue the investments it must make to stay competitive, you begin to look at a company's financials with a different perspective. You may even come up with an idea no one else has thought of for keeping a business profitable or helping a business out of trouble.

If you are truly looking for a way to become a more valuable resource to your company, and to your customers, learn about financial statements. There are more resources than ever to help you learn, and you will profit professionally and personally!

 

Steve Chriest is the CEO of Open Advance and author of Selling to the E-Suite, The Proven System for Reaching and Selling Senior Executives and Business Acumen 101. He recently re-named his company from Selling-Up.  He produces video and radio blogs, as well as continues as a columnist for Leasing News.

www.openadvance.com/contact/
925-263-2702
www.openadvance.com/
Sales Makes It Happen Articles:
http://www.leasingnews.org/Legacy/index.htm 

 

 

[headlines]
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Northern Leasing Case Cleared for Class Action
By Tom McCurnin
Leasing News Legal Editor

While Court of Appeals Trims Case Down, Class Allegations Remain

Pludeman v Northern Leasing  2016 NY Slip Op. 04885 (June 21, 2016)

This case has been hanging around since 2004, seeking to have a class action appointed for nearly 300,000 Northern Leasing customers. And it has been back and forth between the trial court and the NY Appellate Division a couple of times. 

Pludeman even had an individual suit against Northern Leasing going back to 2008. The law firm representing Pludeman has a related class action and three racketeering actions that alleges that non-customers of Northern Leasing were charged credit card processing fees, and three racketeering actions. For the legal community, Northern Leasing is the gift that keeps on giving. 

In the last go around on the class action, before the trial court, the court decertified the class action, and the Plaintiff appealed. The facts follow. 

Northern Leasing is the poster child for allegations of bait and switch and deceptive business practices. According to the pleadings, salesmen approach merchants, and sign them up for a point of sale credit card processing machine and credit card processing servicing. It was alleged that the merchants’ contracts were multiple pages, but they were only shown, and only signed, one page. It was alleged that some of the merchants were pressured into signing these leases.

The trial court found that the allegations were not typical and not appropriate for class treatment and de-certified the class action. Plaintiffs appealed.

The NY Appellate Division reviewed, and conducted a fact finding hearing, presumably taking evidence. After the hearing, the Appellate Division, affirmed the de-certification order, but allowed the class action to proceed on the narrow basis of whether the lessee reasonably believed that the lease consisted of only one page, and if so, whether charges reflected on subsequent pages were appropriate. Plaintiff had its class action severely trimmed down to only one issue, but is still in the game. Although it is a technical victory for Northern Leasing, they still face a long and expensive class action case on the bait and switch issue.

What are the take aways here?

•  Multiple Page Leases Are a Fact of Life: Treat Them Carefully. Many times they are printed on both sides of the paper, and only one side is faxed or scanned to the customer. Each page should be clearly marked like “Page 1 of 4.” And salespersons responsible for getting signatures should insure that all pages are given to the lessee.

•  Have Lessee Initial All Pages. Take a page from lawyers’ playbooks on settlement agreements—have the Lessee initial each page. 

•  Make Sure That Charges Are Clearly Stated. I’m not wild about the Northern Leasing contract where monetary provisions are spread out and buried over multiple pages. The idea is that the lessee has to write one check, so why not have the amount of check up front on the first page. Here, the Loss and Damage Waiver Fee, which was a set amount was buried.

The bottom line to this case is that it can get confusing with multiple page leases, make sure all pages are given to the lessee and that the lessee initials all pages.

Tom McCurnin is a partner at Barton, Klugman & Oetting
in Los Angeles, California.

Tom McCurnin
Barton, Klugman & Oetting
350 South Grand Ave.
Suite 2200
Los Angeles, CA 90071
Direct Phone: (213) 617-6129
Cell (213) 268-8291
Email: tmccurnin@bkolaw.com
Visit our web site at www.bkolaw.com
Previous Tom McCurnin Articles:
http://www.leasingnews.org

Previous Tom McCurnin Articles:
http://www.leasingnews.org/Conscious-Top%20Stories/leasing_cases.html

http://leasingnews.org/Ads/Completed/LeasePolice3.htm
((Please Click on Bulletin Board to learn more information))
(Leasing News provides this ad “gratis” as a means
to help support the growth of Lease Police)


[headlines]
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May, 2016 --The List
"The Good, the Bad and the Ugly"

http://leasingnews.org/items/pen2015.jpg

LEAF Financial, Philadelphia, PA (05/16) Acquired by C-III Capital Partners, But Group Claims Price “is significantly lower than estimated”
http://leasingnews.org/archives/May2016/05_25.htm#supporter

Lending Club, San Francisco, CA (05/16)  Faces Another Subpoena, This Time Its NY Regulators
http://debanked.com/2016/05/lending-club-faces-another-subpoena-this-time-its-ny-regulators/

Platinum Rapid Funding Group, Uniondale, NY (05/16) Terms & Conditions for 15,000 Member Asian American Hotel Association
http://leasingnews.org/archives/May2016/05_16.htm#platinum

Ascentium Capital, Kingwood, Texas (05/16) Reaches $1 Billion
in Assets and Executes Fifth securitization
http://leasingnews.org/archives/May2016/05_11.htm#asc_cap

Marlin Business Services, Mount Laurel, NJ (05/16) Hires Jeff Hilzinger, Past President Everbank Commercial Finance as CEO
http://leasingnews.org/archives/May2016/05_06.htm#marlin

 

Leasing News Alphabetical Order
http://www.leasingnews.org/list_alpha_new.htm

Leasing News Chronological Order List
http://www.leasingnews.org/list_chron_new.htm

 


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

 

[headlines]
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Using “Pay Per Click” Marketing
to Compete with Larger Lenders & Banks
FinTech #102 by Brittney Holcomb

Before digital marketing really started to become accessible to any business, small financial businesses were most likely not even online. Most were running their business off of cold calling, door-to-door sales, working the telephones, and local networking events.

With the increase in business owners running a majority of the business online, small financial companies have had to learn to adjust to the digital playing field.

The issue here is a lot of the smaller financial companies that are just starting to adopt digital marketing strategies are a bit late to the game, and tend to find it difficult to gain visibility above the larger businesses that dominate search results.

“Pay Per Click” (PPC) is probably the quickest way for a smaller financial company to break into the online market. While big lenders and banks dominate the top ad spaces, there are a lot of opportunities to find loop holes in their campaigns that you can take advantage of in your own marketing efforts.

When large companies run massive PPC campaigns they generally leave room for a lot of errors and fail to monitor constants changes happening every day in Google’s ad network. Finding their weak points in their campaign is where a small business can learn, make adjustments, and thrive.

Maintaining Your Quality Score

Quality score is the Google Adwords ranking system on a 1-10 scale for advertisers. In order to maintain an above average quality score you need to make sure your target keywords are consistent within your ad copy and landing pages.

Larger companies do not always take this into consideration, nor do some of them even know it exists. I have found a lot of large companies throw money into Google advertising thinking that if they bid the highest, they will always be on top.

However, that theory is completely inaccurate. Regardless of what you bid on a keyword, if your quality score is below average, Google will barely ever run your ads because they believe it will not benefit their users. Always aim for a quality score of 7/10 or better, in order for all your keywords to perform optimally.

One of the other big advantages that comes with having a good quality score is a lower cost-per-click (CPC) for your keywords, making it easier to really get the most out of your budget.

The secret to a good quality score is making sure everything in your campaign actually makes sense. If you have “equipment leasing” as a keyword, do not send the borrower to a page about all small business loans. Instead send them to a page that specifically talks about equipment leasing and financing products.

Keyword Bidding & Monitoring

Think of the online ad network like the stock market. Keyword prices are constantly being bid on causing them to rise and fall constantly.

In order to make sure you are ads are rotating where you can obtain maximum visibility, you should check in on your account every single day. A lot of larger companies do the “set it and forget it” method and fail to regularly check up on their campaign bids.

Another point where I see larger businesses falling short in their PPC campaign is not utilizing “negative keywords.” Negative keywords can help you filter out the products or services that yours may be mistaken for. You do not want to waste money on users who are not specially looking for you products.

The best example for this in the financial industry is a business that is targeting “‘business loans,” if they do not set their negative keywords up, they may start receiving personal loan or residential loan requests, which is not something they are offering, which in turn is wasting their PPC advertising dollars on the wrong target.

Make a list of keywords you do not want your ads or services associated with and submit them as ‘negative keywords’ to Google.

Optimizing For Your Local Market 

For starters, targeting locally can help you limit the amount of competitors you have. Aside from that it also makes more sense for smaller businesses to dominate in the local market first before expanding to surrounding territories. Gain some momentum before tackling a larger, more competitive area.

Based on my experience, I also believe small businesses like to work with other businesses in their area. You may have a better chance at converting a local lead when they can verify that you are a real business, or even have the opportunity to meet face to face meeting with you.

The most important thing for small businesses when it comes to marketing is not to be discouraged by the larger companies dominating the digital space. No campaign is perfect, analyze your competitors, and use their weak points to build your campaign better and stronger.

 

Brittney Holcomb is the Director of Paid Search at The Finance Marketing Group. She works exclusively with finance companies and banks to help better develop their business online through digital marketing strategies. Brittney has been trained by some of the top leaders in the industry giving her a vast knowledge she is able to pass along to her client base.

Email: brittney@financemarketing.com
https://www.linkedin.com/in/brittney-holcomb-02101834

Previous Financial Technology Articles
http://www.leasingnews.org/Conscious-Top%20Stories/fintech.html

 



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

Third Annual Global Leasing Forum, Tianjin, China
by Amembal & Halladay and Tianjin NFMedia, Ltd


Tianjin Haihe River

June 29, 2016:  Amembal & Halladay, together with Tianjin NFMedia, Ltd. are pleased to announce that the Third Annual Global Leasing Forum will be held in Tianjin, China on September 22 and 23, 2016.

Why China:  Within the last few years, China has soared to become the second largest leasing economy in the world.  This has been achieved in spite of the very low penetration rate of 4%, compared to approximately 20% in the U.S.A. and in most western European countries.  Soon, China will undoubtedly become the leading leasing economy in the world.

Why the Forum:  A number of international leasing companies prudently entered the Chinese market many years ago; many more will strive to do so, given the tremendous opportunities that lie ahead.  On the other hand, Chinese leasing companies need to integrate with the globalized economy.  Notwithstanding the exponential growth, the Chinese leasing industry has much to learn from the strategies, the product innovation, and the "lessons learned" by mature leasing economies.  Hence, the conference is being held with the dual objective of providing international lessors with an insight into the Chinese leasing market; and, enabling Chinese leasing companies to benefit from the wisdom that caused leasing to grow in markets that, decades ago, were once "emerging".  Networking will lead to business opportunities for both the Chinese as well as the overseas leasing companies.  The 2014 and 2015 Forums were each attended by close to 350 lessors, government officials, bankers, service providers, students, and the media!

The Speakers:   From the Chinese side, the speakers will include prominent leasing company executives and supportive governmental representatives; from the international side, the speakers are being drawn from senior executives from leading leasing companies and others who have played a vital role in leasing's growth.  The confirmed speakers, from overseas, for this year’s Forum, as of now, are:

Speaker

Position

Company/Country

Sudhir P. Amembal

Chairman & CEO

Amembal & Halladay, U.S.A

William (Bill) H. Besgen

Senior Advisor/Vice Chairman Emeritus

Hitachi Capital America Corp, U.S.A.

Shawn Halladay

Managing Director

Amembal & Halladay, U.S.A

Robert (Bob) Rinaldi

CEO

Commercial Industrial Finance, U.S.A

Lou Vigliotti

Senior Managing Director

GE Capital, U.S.A

James Ambrose

President/Director, Healthcare

GE Equipment Finance, U.S.A

Bülent Taşar

CEO

Siemens Finansal Kiralama, Turkey

Who Should Attend:  The conference will primarily be geared to attract a large number of senior Chinese leasing executives eager to learn and pursue business opportunities.  Thus, those interested in exploring the Chinese leasing market should attend.

The Venue:  The conference will be held in Tianjin, which is a 35-minute express train journey from Beijing. 

Contact:
Kelly Farnham, General Manager
Amembal & Halladay
kelly@amembalandhalladay.com

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

 


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Leasing News: Special July 4th Edition
By Fernando Croce

With the Fourth of July just ahead, we at Leasing News are proud to recommend five red, white and blue movies (available at Netflix) that you are sure to get audiences laughing, cheering, and saluting.


Yankee Doodle Dandy (Michael Curtiz, 1942): Who would have thought that it would take a foreign filmmaker to come up with the most patriotic of American movies? Leave it to Austria-born director Michael Curtiz (“Casablanca,” “The Adventures of Robin hood”) to pull out all the patriotic stops in this irresistible celebration of America’s features, from apple pie to the freedom of putting on a show. James Cagney won a well-deserved Best Actor Oscar for his portrayal of flag-waving composer and song-and-dance man George M. Cohan, who over the years went from child star at vaudeville shows to the country’s most beloved entertainer. Full of vintage tunes (including “Yankee Doodle Dandy” and “You’re a Grand Old Flag”), it’s a perfect Fourth of July movie.

An American Tail (Don Bluth, 1986): Disney’s most notable competitor during the 1980s, animator Don Bluth (“The Land Before Time”) offered his most ambitious project with this epic and colorful account of the American Dream as seen through the eyes of a family of immigrant mice. After their home in Russia is devastated by cats, the Mousekewitz clan leaves to begin life anew in the United States, a hope that’s thwarted when Fievel (voiced by Phillip Glasser) gets lost along the way. As he gets involved with a cast of eccentric characters, can Fievel find a way to reconnect with his loved ones? Full of narrow escapes and emotional reunions, the movie carries producer Steven Spielberg’s stamp of starry-eyed wonder.

Glory (Edward Zwick, 1989): One of the thornier chapters of America’s past is examined in this stirring historical epic, set during the harshest days of the Civil War. Inspired by true events, the story follows young Union colonel Robert Gould Shaw (Matthew Broderick), who’s offered to lead the country’s first all-African American regiment. Included among these brave new soldiers are wise and grizzled gravedigger Rawlins (Morgan Freeman) and rebellious slave Trip (Denzel Washington, in an Oscar-winning performance), who must face prejudice on both sides of the conflict. With a grand confrontation fast approaching, can the men push past their differences to fight for their country? Directed by Edward Zwick with intelligence and visceral force, this is a moving exploration of a complex time in America’s history.

Forrest Gump (Robert Zemeckis, 1994): Decades of American history rush by in this popular Oscar-winning blockbuster, which gave Tom Hanks one of his most memorable roles. He stars as the eponymous character, a mentally challenged Southern boy who experiences the country’s changing times as he glides from one turbulent historical event to the next—ranging from the Civil Rights movement and the counterculture to the Vietnam War and Watergate. Throughout this, he clings to his love for a young woman named Jenny (Robin Wright), who’s undergoing a troubled journey of her own. Director Robert Zemeckis (“Back to the Future”) balances the film’s sentimentality with ingenious special effects and sneaky humor, resulting in a box-office smash and a portrait of a nation through the eyes of an innocent.

Independence Day (Roland Emmerich, 1996): Skip the new sequel and head straight to the rousing 1996 original, a sci-fi saga that takes the U.S.A. to the interplanetary front. Director Roland Emmerich’s vision of an interplanetary invasion filches from just about every other alien movie ever made, from “Earth vs. the Flying Saucers” to “Close Encounters of the Third Kind,” but succeeds in entertaining audiences thanks to a large and enthusiastic cast (including Will Smith and Jeff Goldblum). And what patriot could resist when, facing down the hordes of slimy creatures heading toward the planet, the American President himself (Bill Pullman) seizes the mike and delivers a red-blooded speech that concludes with “Today we celebrate our Independence Day!”

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Labrador Retriever/Cocker Spaniel Mix
Glendale, California   Adopt-a-Dog



Rusty
Male
Two Years Old
48 Pounds

"Rusty is a comical fellow. He is learning so much and enjoys the process. He knows “sit” and “down”, “touch”, and can play “find it”. He is doing nicely learning to walk on a leash but still spooks when he’s in unfamiliar territory and hears strange sounds. He loves going to the BarkYard and playing. He is getting familiarized with riding in a car. Our staff says he has an adorable way of thinking through and assessing new situations. They love the little hop he offers when considering his next step. Rusty is a gentle and very sensitive boy. He is forty-eight pounds and about two years old. He is a cocker and lab mix".

Glendale Humane Society
717 Ivy St., Glendale, CA 91204
(818) 242-1128
info@glendalehumane.org

All Pet Viewings by Appointment Only
Shelter is not open for walk through visits.


Adopt a Pet
http://www.adoptapet.com/

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News Briefs---

Lending Club plans layoffs,
  discloses loans to former CEO and family members
http://www.latimes.com/business/la-fi-lending-club-layoffs-20160628-snap-story.html

Leasing Market in Europe Reacts to Brexit
  from LEASINGLIFE, Widely Read European On Line Media
http://www.leasinglife.com/news/newsleasing-market-reacts-to-brexit-4932994/

Lenders Rejected by Supreme Court on State Interest Caps
  States Can Enforce Interest Rates Deals Purchased by Banks
http://www.bloomberg.com/politics/articles/2016-06-27/lenders-rejected-by-u-s-supreme-court-on-state-interest-caps

Sample of Usury Laws in United States
Interest Limits per State (see above, Banks not immune on purchase)
http://leasingnews.org/archives/Sep2014/9_22.htm#sample

GE to Sell Restaurant Financing Assets
  Net Investment $1.4 Billion/$0.2 Billion to GE
https://www.qsrmagazine.com/news/ge-sell-restaurant-financing-assets

Volkswagen Agrees to Pay $14.7 Billion to Settle
    Diesel Scandal Claims in the U.S.
http://www.nytimes.com/2016/06/28/business/volkswagen-settlement-diesel-scandal.html

Senior Credit Analyst

- Minimum 5 years of small ticket/high volume equipment finance underwriting experience preferred
- Relocation benefits available for the right candidate
- For a complete job description, please click here

Senior Credit Analyst - Transportation

- Minimum 5 years of small ticket/high volume equipment finance underwriting experience preferred
- Relocation benefits available for the right candidate
- For a complete job description, please click here

www.pawneeleasing.com
Established in 1982, Pawnee Leasing Corporation located in Fort Collins, CO specializes in commercial equipment leasing and financing up to $150,000 to smaller, closely-held business enterprises. Pawnee Leasing is a U.S. subsidiary of Chesswood Group Limited, a publicly-held specialty financial services company based in Toronto, Canada (TSX:CHW).

 


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--You May Have Missed It

VW owners: How to claim your settlement
http://www.cbsnews.com/news/vw-owners-how-to-claim-your-settlement/


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SparkPeople--Live Healthier and Longer


The 10 Most Common Reasons People Regain Weight
The Tips You Need to Keep the Weight Off for Good
http://www.sparkpeople.com/resource/wellness_articles.asp?id=2121


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"Voices of the Game"

by J. Kyle

You see fans holding their radios here and over there,
Intently watching the game, yet listening with care.
Some think us strange that we bring our transistorized friend,
Then they sit too close, and try to listen in.

So many, many voices of baseball present and past,
A very select few can make you feel that home run blast.
The team in the booth at times is the best,
The fans can hope for along with the rest.

Some of these voices have now faded away,
Going, going, gone to their final play.
The restless nights they talked us to sleep,
Just waiting for someone to take one deep.

Harry was the greatest Cub there ever could be,
There will never be another like him at ol’ Wrigley.
Vin Scully still bleeds that Dodger blue,
While Scooter will always be a Yankee too.

Nuxhall and Brennaman are my favorite radio men,
They have been a duo since way back when.
I was a boy when I first heard that familiar winning call,
“This one belongs to the Reds” now has its own place in the Hall.

So the next time you search for the game on TV,
Turn the volume way down, grab a radio, and you will soon see.
The voices of the game do much more than that old screen,
They bring you the nation’s game in a fashion unseen

(also recommended for Football games, too.)


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Sports Briefs----

NFL monitors Brexit fallout as it considers London expansion
http://www.crainsdetroit.com/article/20160624/NEWS/160629806/nfl-monitors-brexit-fallout-as-it-considers-london-expansion

NFL's Most Important People
  Jerry Jones is #1/ Roger Goodell is #2
http://www.usatoday.com/longform/sports/nfl/2016/06/27/nfls-100-most-important-people/86423006/

Mike Ditka on Buddy Ryan:
   No way we win anything without his defense
http://www.usatoday.com/story/sports/nfl/bears/2016/06/28/mike-ditka-buddy-ryan-chicago-bears/86463092/

Raiders look ready to cash in on Las Vegas bet
http://www.usatoday.com/story/sports/nfl/columnist/bell/2016/05/25/las-vegas-raiders-mark-davis-move/84937410/

Mike Singletary to serve as Rams defensive assistant
http://www.theredzone.org/BlogDescription/tabid/61/EntryId/57182/Mike-Singletary-to-serve-as-Rams-defensive-assistant/Default.aspx


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California Nuts Briefs---

Jerry Brown signs $167 billion California budget, makes no cuts
http://www.sacbee.com/news/politics-government/capitol-alert/article86302827.html 

Pittsburg: Cops hid police misconduct records in three cases, public defender says
http://www.mercurynews.com/bay-area-news/ci_30067415/pittsburg-cops-hid-police-misconduct-records-three-cases

Grape growers raise funds for farmworker housing
http://www.pressdemocrat.com/business/5785389-181/sonoma-county-grape-growers-provide?artslide=0

 

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


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“Gimme that Wine”

http://www.youtube.com/watch?v=EJnQoi8DSE8

California winemakers press for stricter label rules
http://www.star-telegram.com/news/nation-world/national/article85801297.html

Sip NZ Wine Launches Sip Marketing for Wineries
http://www.winebusiness.com/suppliernews/?
go=getSupplierNewsArticle&dataid=170805

Brexit Leaves Europe's Wine Industry in Limbo
http://www.wine-searcher.com/m/2016/06/brexit-leaves-europe-s-wine-industry-in-limbo



Free Mobile Wine Program
http://leasingnews.org/archives/Feb2010/2_26.htm#mobile

Wine Prices by vintage
http://www.winezap.com
http://www.wine-searcher.com/

US/International Wine Events
http://www.localwineevents.com/

Leasing News Wine & Spirits Page
http://two.leasingnews.org/Recommendations/wnensprts.htm

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----------------------------------------------------------------

This Day in American History

     1502 - Christopher Columbus arrived at Santo Domingo, Hispaniola, on his 4th voyage to the new world. He requested harbor and advised Gov. Nicolas de Ovando of an approaching hurricane. Ovando denied the request and dispatched a treasure fleet to Spain. 20 ships sank in the storm, 9 returned to port and one made it to Spain.
    1541 - The Spanish first crossed the Arkansas River. Francisco Vazquez de Coronado continued to explore the American southwest. He left New Mexico and crossed Texas, Oklahoma and east Kansas.
    1652 - Massachusetts declared itself an independent commonwealth.
    1736 - Birthday of American Patriot Patrick Henry (1736-99) in Hanover County in the British colony of Virginia.  A Founding Father, he served as the first and sixth post-colonial Governor of Virginia. Henry led the opposition to the Stamp Act 1765 and is remembered for his "Give me liberty or give me death" speech. With Samuel Adams and Thomas Paine, he is regarded as one of the most influential champions of Republicanism and an invested promoter of the American Revolution and its fight for independence.  After the Revolution, Henry was a leader of the anti-federalists in Virginia and he opposed the Constitution, fearing that it endangered the rights of the States as well as the freedoms of individuals; he helped gain adoption of the Bill of Rights. By 1798 however, he supported President John Adams and the Federalists; he denounced passage of the Kentucky and Virginia Resolutions as he feared the social unrest and widespread executions that had followed the increasing radicalism of the French Revolution.
http://memory.loc.gov/ammem/today/may29.html
    1744 - “Yankee Doodle” was written by Dr. Richard Shuckburgh, regimental surgeon to General Edward Braddock, commander in chief of the British forces during the French and Indian War.  The verses were written at Albany, NY, and set to an ancient English tune, “The World Turned Down.” Shuckburgh intended to ridicule the “homely clad colonials,” but the song was taken up by the colonist themselves, and was played at the victory celebration in Yorktown in 1781 when Lord Cornwallis surrendered at the end of the Revolutionary War.
    Some of the popular songs during this time were “The Liberty Song,” also known as “In Freedom We're Born,” and “My Days Have Been So Wondrous Free.”  Perhaps the most popular war song, according to historians, was “Chester,” composed in 1778 by William Billings of Boston, MA.  The song was published in Billing's “The Singing Master's Assistant or Key to Practical Music,” printed by Draper and Folsom, Boston. “Chester” contains the following chorus: “Let tyrants shake their iron rod;/ And Slav'ry clank her galling chains,/We fear them not;/ We trust in God,/New England's God forever reigns.”
    1767 - British Parliament passed the Townshend Revenue Act levying taxes on America.
    1776 - Tule Arbor--- First Church in San Francisco before Mission Dolores.  The Mission was founded by Lt. Jose Joaquin Moraga and Fr. Francisco Palou (a companion of Fr. Serra), both members of the de Anza Expedition, which had been charged with bringing Spanish settlers to Alta (upper) California and evangelizing the local Ohlone natives.
http://www.sfmuseum.org/hist5/misdolor.html
    1776 - Virginia state constitution was adopted and Patrick Henry was made governor.  
    1804 - Privates John Collins and Hugh Hall of the Lewis and Clark Expedition were found guilty by a court-martial consisting of members of the Corps of Discovery for getting drunk on duty. Collins receives 100 lashes on his back and Hall receives 50
    1820 - Revenue cutter Dallas captured the 12-gun brig-of-war General Ramirez, which was loaded with 280 slaves, off St. Augustine. The 8 July 1820 issue of the Savannah Republican noted: "On the 28th ultimo, while the Cutter DALLAS was lying in the St. Mary's River, Captain Jackson received information that the Brig of war GENERAL RAMIREZ, supposed to be a piratical vessel was hovering off St. Augustine. The Cutter forthwith got under way in pursuit of the Brig having first obtained 12 United States soldiers from Fernandina to strengthen the Cutter's force. At half past three the next day, she hailed the Brig and received for answer, "This is the Patriot Brig GENERAL RAMIREZ." Captain Jackson finding a number of blacks on board took possession of the vessel and brought her into St. Mary's, arriving on the 1st instant. Captain Jackson found on the Brig about 280 African slaves. The Captain and crew, 28 in number, acknowledged themselves Americans.
    1832 - “America the Beautiful” was written on a scrap of paper in a half hour by Dr. Samuel Francis Smith, a Baptist minister.  The original manuscript is in the Harvard University Library.
    1848 - Wisconsin becomes the 30th state. 
(Lower part of: http://memory.loc.gov/ammem/today/may29.html ­)
    1851 - The historic Ohio Woman's Rights Convention met in Akron.
http://memory.loc.gov/ammem/today/may28.html
    1854 – The Gadsden Purchase which included parts of AZ and NM, from Mexico was completed for $10 million
    1858 - Birthday of George Washington Goethals (1858-1928), American engineer and army officer, chief engineer of the Panama Canal and first civil governor of the Canal Zone, at Brooklyn, NY. 
    1858 - Birthday of Julia C. Lathrop (1858-1932) at Rockford, IL, a pioneer in the battle to establish child-labor laws.  Julia C. Lathrop was the first woman member of the Illinois State Board of Charities and in 1900, was instrumental in establishing the first juvenile court in the U.S.  In 1912, President Taft named Lathrop chief of the newly created Children's Bureau, then part of the US Dept. of Commerce and Labor. In 1925, she became a member of the Child Welfare Committee of the League of Nations. 
    1862 - To set the record straight about a famous Internet hoax about “Taps”, a military signal indicating “lights out” at night and “farewell” at military funerals, the hoax names the right period of time, but the wrong circumstances.   Actually “Taps” was played on the drum for many years, thus its name.  The musical form of “Taps” is performed as a bugle call and as a song.  Union General Daniel Butterfield wrote the music on the back of a torn envelope and whistled the tune to Oliver Wilcox Norton, bugler and aide-de-camp of General Strong Vincent, commander of the 83rd Regiment Pennsylvania Volunteers of the Army of the Potomac. They were resting in camp at Harrison's Landing on the James River in Virginia, immediately after the seven days of fighting near Richmond.
    1863 – At age 23, George A. Custer was appointed a Brigadier General in the Union Army.
    1886 - Harlem photographer James VanDer Zee (1886-1983) was born in Lenox, MA.
http://www.aaregistry.com/african_american_history/965/
James_Van_Der_Zee_was_an_acclaimed_photographer
http://www.ccsf.edu/Events_Pubs/Guardsman/s980227/ae01.htm
http://www.si.umich.edu/CHICO/Harlem/
    1905 - Archibald Wright “Moonlight” Graham, a real-life ballplayer made famous by his appearance in W.P. Kinsella's novel, “Shoeless Joe,” and the movie, “Field of Dreams,” played in his only Major League game.  A substitute outfielder for the New York Giants, for the bottom of the eighth, Graham was sent in to play right field. In the top of the ninth inning, Graham was on deck when the third out was made. Graham played the bottom of the ninth in right field but never came to bat. That game turned out to be his only appearance in the Majors.  Poetic license in the book and film moved this game to 1922.  The story of his life was otherwise true.  Graham completed his medical degree from the University of Maryland in 1905, obtained his license the following year and began practicing medicine in Chisholm, MN.  "Doc" Graham, as he became known after his career as a ballplayer, served the people of Chisholm for fifty years. From 1919 to 1959, Graham was the doctor for the Chisholm schools. The Graham Scholarship Fund, established in his honor, provides financial assistance to two Chisholm High School graduating seniors each year. The award is given to one boy and one girl, $500 to each. For many years, "Doc" Graham made arrangements to have used eyeglasses sent to his Chisholm office. On Saturdays, he would have the children of the Iron Range miners, from Grand Rapids to Virginia, come to his office, have their eyes checked and then fit them with the proper set of glasses, all free of charge.
http://www.uslink.net/~0695vs/moonlight.html
http://www.baseball-reference.com/g/grahamo01.shtml
    1910 - Birthday of song writer Frank Loesser (1910-69), New York City, NY.  He wrote the lyrics and music to the Broadway hits “Guys and Dolls,” “How to Succeed in Business Without Really Trying,” and “Baby, It’s Cold Outside,” the latter winning the Academy Award for Best Song.
http://www.frankloesser.com/
    1922 - Composer-pianist Ralph Burns (1922-2001) was born in Newton, Mass.  He wrote “Bijou,” “Early Autumn,” many others for Woody Herman before going out on his own as a pianist.
    1924 – Birthday of American poet Cid Corman (1924-2004) in Boston’s Roxbury.  Throughout the 1950's and 1960's, Corman's magazine ORIGIN published some of the major works of the Black Mountain poets, as well as other important work, choosing mostly poems not yet readily available elsewhere: the early poetry of Charles Olson, Robert Creeley, and Denise Levertov with the late works of Wallace Stevens and William Carlos Williams.
Corman has published over 70 volumes of poetry, translated several French and Japanese poets, and published four volumes of essays. He had lived in Kyoto, Japan since 1958 where he and his wife run a business, Cid Corman's Dessert Shop, until his death.
"A hint or tint of music — as if the silence were being turned on."
http:// www.english.upenn.edu/~wh/ corman.html
http://www.sover.net/~poetry/ corman.html
    1927 – The first flight from the West Coast arrived in Hawaii.
    1931 - The temperature at Monticello, FL hit 109 degrees to establish an all-time record for the state.
    1933 - Primo Carnera won the heavyweight championship of the world by knocking out Jack Sharkey in the sixth round of a fight at Long Island City, NY. Carnera held the title for only a year. He knocked out two contenders and then was defeated by Max Baer in June, 1924.
    1934 - After four years in the National Football League, the Portsmouth Spartans were sold to G.A. “Dick” Richards.  He moved the team to Detroit and changed its nickname to the Lions.
    1936 - Birthday of third baseman Harmon Clayton Killebrew (1936-2011), Payette, ID.  During his 22-year MLB career in, primarily with the Minnesota Twins, Killebrew was a prolific power hitter who, at the time of his retirement, was second only to Babe Ruth in American League home runs and was the AL career leader in home runs by a right-handed batter (since broken by Alex Rodriguez). He was inducted into the Baseball Hall of Fame in 1984.
    1938 - Birthday of The Valiants’ leader Billy Storm, Dayton, OH.
http://members.tripod.com/~thevaliants/surf.html
http://www.clodius.de/reviews/review.asp?id=31
    1939 - Benny Carter records theme “Melancholy Lullaby” (Vocalion 4984)
    1940 - U.S. passed the Alien Registration Act requiring aliens (non-citizens) to register.
    1941 - Birthday of crusader and Freedom rider Stokely Carmichael (1941-98). As a radio newsman, I interviewed him by telephone during the March as arranged by Hal Light of San Francisco.  He reported coined the word: “Black Power.” I also interviewed him in Oakland, California. In 1960, Carmichael formed the Student Nonviolent Coordinating Committee. The SNCC was a student desegregation & civil rights group recognized for organizing massive voter registration drives in the 1960s. In 1967, Carmichael became honorary prime minister of the militant Black Panther Party. Carmichael and his then wife, famed South African singer Miriam Makeba, moved to Guinea in 1969. http://www.spartacus.schoolnet.co.uk/USAcarmichael.htm
http://www.interchange.org/Kwameture/nytimes111698.html
    1941 - In a doubleheader with the Senators, Joe DiMaggio ties and then breaks the American League consecutive game hitting streak of 41 established by George Sisler. In the opener, he knots the record with a double off Dutch Leonard, and in the nightcap, 'The Yankee Clipper' tops the record with a seventh inning single against Walt Masterson.
    1944 - Singer Little Eva, whose full name is Eva Narcissus Boyd, was born in Belhaven, North Carolina. She was the babysitter for songwriters Carole King and Gerry Goffin when she recorded their song, "The Loco-Motion." It went to number one in the summer of 1962. The background singers on the record were a group called the Cookies, who had a hit of their own later in '62 with "Chains."
    1945 - President Truman approves the plan, devised by the Joint Chiefs of Staff, to invade Japan. The plan calls for 5 million troops, mostly Americans. Kyushu is to be invaded on November 1st with some 13 divisions (Operation Olympic) and Honshu is to be invaded on March 1, 1946 with some 23 divisions (Operation Coronet), including forces of the US 1st Army from Europe. The British will deploy a very long range bomber force in support of the invasion.
    1948 - Top Hits
“Nature Boy” - Nat King
“Toolie Oolie Doolie” - The Andrews Sisters
“Woody Woodpecker Song” - The Kay Kaiser Orchestra (vocal: Gloria Wood & The Campus Kids)
“Bouquet of Roses” - Eddy Arnold
    1950 – Whitey Ford was called up by the Yankees from their Kansas City farm team.  Ford would go on to a 9-1 record and win the final game of the World Series sweep of the Phillies.
    1952 -  I remember this day very well, the start of my teenager years, when the first “Rock and Roll” song to hit Number 1 in the pop charts was “Rock Around the Clock“.  The recording artists were Bill Haley and the Comets, one of the first all-white acts to play “Rock and Roll.”  It was the title song to the movie, “Blackboard Jungle.” Haley was originally a country and western singer, who my father hired in Chester, Pennsylvania in 1948 to sing “rock-a-billy” to a radio station when he was the general manager.  Haley later learned the electric guitar and the rest is history.
    1956 - Top Hits
“The Wayward Wind” - Gogi Grant
“I Almost Lost My Mind” - Pat Boone
“Picnic” - The McGuire Sisters
“Crazy Arms” - Ray Price
    1956 - Charles Dumas of the US became the first high jumper to clear the seven-foot barrier when he reached 7’, 5/8” at the US Olympic Trials meet in Los Angeles. He won the gold medal at the Melbourne Olympics later that year at a height of 6’, 11½”.
    1956 - President Dwight Eisenhower signed a bill providing $33.5 billion for highway construction. It was the biggest public works program in history.
    1959 - Dick Clark announces his first Caravan of Stars tour, which would feature The Skyliners, who were still riding high on their hit "Since I Don't Have You."
    1960 - Birthday of singer Evelyn “Champagne” King, The Bronx, New York
http://www.evelynchampagneking.com/
    1963 - The first song written by John Lennon and Paul McCartney makes it to the Hot 100. It's "From Me to You" as performed by Del Shannon.
    1964 - Top Hits
“A World Without Love” - Peter & Gordon
“I Get Around” - The Beach Boys
“My Boy Lollipop” - Millie Small
“Together Again” - Buck Owens
    1966 - MORRIS, CHARLES B., Medal of Honor.
Rank and organization: Staff Sergeant (then Sgt.), U.S. Army, Company A, 2d Battalion (Airborne), 503d Infantry, 173d Airborne Brigade (Separate). Place and date: Republic of Vietnam, 29 June 1966. Entered service at: Roanoke, Va. Born: 29 December 1931, Carroll County, Va. C.O. No.: 51, 14 December 1967. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty. Seeing indications of the enemy's presence in the area, S/Sgt. Morris deployed his squad and continued forward alone to make a reconnaissance. He unknowingly crawled within 20 meters of an enemy machinegun, whereupon the gunner fired, wounding him in the chest. S/Sgt. Morris instantly returned the fire and killed the gunner. Continuing to crawl within a few feet of the gun, he hurled a grenade and killed the remainder of the enemy crew. Although in pain and bleeding profusely, S/Sgt. Morris continued his reconnaissance. Returning to the platoon area, he reported the results of his reconnaissance to the platoon leader. As he spoke, the platoon came under heavy fire. Refusing medical attention for himself, he deployed his men in better firing positions confronting the entrenched enemy to his front. Then for 8 hours the platoon engaged the numerically superior enemy force. Withdrawal was impossible without abandoning many wounded and dead. Finding the platoon medic dead, S/Sgt. Morris administered first aid to himself and was returning to treat the wounded members of his squad with the medic's first aid kit when he was again wounded. Knocked down and stunned, he regained consciousness and continued to treat the wounded, reposition his men, and inspire and encourage their efforts. Wounded again when an enemy grenade shattered his left hand, nonetheless he personally took up the fight and armed and threw several grenades which killed a number of enemy soldiers. Seeing that an enemy machinegun had maneuvered behind his platoon and was delivering the fire upon his men, S/Sgt. Morris and another man crawled toward the gun to knock it out. His comrade was killed and S/Sgt. Morris sustained another wound, but, firing his rifle with 1 hand, he silenced the enemy machinegun. Returning to the platoon, he courageously exposed himself to the devastating enemy fire to drag the wounded to a protected area, and with utter disregard for his personal safety and the pain he suffered, he continued to lead and direct the efforts of his men until relief arrived. Upon termination of the battle, important documents were found among the enemy dead revealing a planned ambush of a Republic of Vietnam battalion. Use of this information prevented the ambush and saved many lives. S/Sgt. Morris' gallantry was instrumental in the successful defeat of the enemy, saved many lives, and was in the highest traditions of the U.S. Army.
    1968 - Donovan's "Hurdy Gurdy Man" enters the Billboard chart, where it will reach #5. The song featured former Yardbirds guitarist, Jeff Beck.
    1968 - Pink Floyd's second LP "A Saucerful of Secrets" is released.
    1968 - "Tip-Toe Thru' The Tulips With Me" by Tiny Tim peaks at #17
    1969 - Detroit Tiger Jim Northrup ended an exciting week in his baseball career when he connected for his third grand-slam home run in seven days, setting a Major League record.
    1970 - With the award-winning "Liza Minelli Special," NBC offered an evening of entertaining television.
    1971 - The City of Memphis, TN, voted to name a road in honor of Elvis Presley---a 12-mile portion of the highway that passes Graceland.
    1972 - *BENNETT, STEVEN L., Medal of Honor.
Rank and organization: Captain, U.S. Air Force. 20th Tactical Air Support Squadron, Pacific Air Forces. Place and date: Quang Tri, Republic of Vietnam, 29 June 1972. Entered service at: Lafayette, La. Born: 22 April 1946, Palestine, Tex. Citation: Capt. Bennett was the pilot of a light aircraft flying an artillery adjustment mission along a heavily defended segment of route structure. A large concentration of enemy troops was massing for an attack on a friendly unit. Capt. Bennett requested tactical air support but was advised that none was available. He also requested artillery support but this too was denied due to the close proximity of friendly troops to the target. Capt. Bennett was determined to aid the endangered unit and elected to strafe the hostile positions. After 4 such passes, the enemy force began to retreat. Capt. Bennett continued the attack, but, as he completed his fifth strafing pass, his aircraft was struck by a surface-to-air missile, which severely damaged the left engine and the left main landing gear. As fire spread in the left engine, Capt. Bennett realized that recovery at a friendly airfield was impossible. He instructed his observer to prepare for an ejection, but was informed by the observer that his parachute had been shredded by the force of the impacting missile. Although Capt. Bennett had a good parachute, he knew that if he ejected, the observer would have no chance of survival. With complete disregard for his own life, Capt. Bennett elected to ditch the aircraft into the Gulf of Tonkin, even though he realized that a pilot of this type aircraft had never survived a ditching. The ensuing impact upon the water caused the aircraft to cartwheel and severely damaged the front cockpit, making escape for Capt. Bennett impossible. The observer successfully made his way out of the aircraft and was rescued. Capt. Bennett's unparalleled concern for his companion, extraordinary heroism and intrepidity above and beyond the call of duty, at the cost of his life, were in keeping with the highest traditions of the military service and reflect great credit upon himself and the U.S. Air Force.
    1972 - Top Hits
“The Candy Man” - Sammy Davis, Jr.
“Song Sung Blue” - Neil Diamond
“Outa-Space” - Billy Preston
“That's Why I Love You Like I Do” - Sonny James
    1980 - Top Hits
“Coming Up” - Paul McCartney & Wings
“The Rose” - Bette Midler
“It's Still Rock & Roll to Me” - Billy Joel
“Trying to Love Two Women” - The Oak Ridge Boys
    1984 - Bruce Springsteen kicks off his “Born in The U.S.A.” tour in St. Paul, Minnesota. His single, "Dancing in the Dark," peaks at #2 on the same day.
    1988 – Top Hits
“Foolish Beat” - Debbie Gibson
“Dirty Diana” - Michael Jackson
“Make It Real” - The Jets
“He's Back and I'm Blue” - The Desert Rose Band
    1988 - Alpena, MI, reported a record low of 39 degrees while Jackson, MS, equaled their record for the month of June with an afternoon high of 105 degrees. Thunderstorms in the central U.S. soaked Springfield, MO with 3.62 inches of rain, a record for the date.
    1990 - Dave Stewart of the Oakland Athletics pitched a 5-0 no-hitter against the Toronto Blue Jays at SkyDome.  Later in the day, Fernando Valenzuela of the Los Angeles Dodgers pitched a 6-0 no-hitter against the St. Louis Cardinals.  This marked the first time in Major League history that no-hitters were recorded in each league on the same day and the first time in the 20th century that two pitchers hurled complete-game no-hitters on the same day.
    1994 - The U.S. Supreme Court reaffirms its 1973 Roe v. Wade decision on legal abortion, but its 5-to-4 ruling in Planned Parenthood v. Casey supports a Pennsylvania law limiting a woman's right to abortion. The Court also lets stand a Mississippi law requiring a 24-hour waiting period, which critics believe hindered many poorer women from obtaining legal abortions because they cannot afford overnight stays in cities far from their homes and jobs.
    1994 - Top Hits
“I Swear” - All-4-One
“Regulate” (From "Above The Rim") - Warren G
“Any Time, Any Place/And On And On” - Janet Jackson
“Don’t Turn Around” - Ace Of Base
    1995 - An American space shuttle docked with a Russian space station for the first time, resulting in the biggest craft ever assembled in space.  The cooperation involved in this linkup was to serve as a stepping-stone to building the International Space Station.
    1996 - Superman's Action Comic #1 (1938) auctioned at Sotheby at $61,900.
    1998 - George Harrison (1943-2001) announces that he had been receiving radiation treatment for throat cancer caused by smoking. Harrison says he has been given a clean bill of health by saying, "I'm not going to die on you folks just yet." That sad event would take place on November 29th, 2001.
    1999 - Singer/songwriter Jewel forgets the words to her song "Little Sister" from her “Pieces of You” album during a concert in Mountain View, California. She asks the audience if anyone has a copy of her album with the front cover. A boy in the audience pulls it out of his backpack, and holds the lyrics up for Jewel while she performs
    2000 - On his much awaited return to Shea Stadium, John Rocker pitches a perfect eighth inning in front of 46,998 booing fans helping the Braves to stop the Mets' winning streak at seven, 6-4. Prior to the game, the Atlanta reliever read a statement apologizing for his inappropriate comments about New Yorkers which appeared in the off season in Sports Illustrated.
http://www.nationalpastime.com/%20Documents/rockersapology.html
    2003 - Top Hits
“This Is The Night” - Clay Aiken
“Flying Without Wings” - Ruben Studdard
“Crazy In Love” - Beyonce Featuring Jay-Z
“Magic Stick” - Lil' Kim Featuring 50 Cent
    2004 - The Diamondbacks’ Randy Johnson, 40, threw his 4,000th career strikeout to become the fourth player in Major League history to reach the plateau. The "Big Unit" needs fewer innings (3,237 1/3) than Nolan Ryan, Roger Clemens or Steve Carlton to accomplish the feat.
    2007 – Apple Inc. releases its first mobile phone, the iPhone.

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