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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

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What sets CoreTech apart from other equipment leasing companies is our team members and impeccable reputation. Are you unhappy with the ethics of your company and the promises made to you? Come to Newport Beach and join us.

www.coretechleasing.com
CoreTech specializes in medium to
large size companies and firms
Over 100 law firms trust CoreTech for their leasing needs, why wouldn't you?

 

Thursday, October 19, 2017

Today's Equipment Leasing Headlines

CEO Bill Verhelle Announces Interests in Commercial Finance
  He’s Back!!! See Him at the ELFA Conference to Learn More
New Hires/Promotions in the Leasing Business
   and Related Industries
CLFP Foundation Approaches 500 CLFPs
   Announces 22 New CLFPs
Companies with 2 or More CLFP’s/Associates
  List Updated
Contract Administrator Position Wanted
  Equipment Leasing Account Executive Needed
The Importance of Responding Sales Emails Within 24 Hours
   FinTech #102 by Alex Vasilakos
Leasing and Finance Conferences –Updated
   October, November, December
Hours to Pay Monthly Mortgage in United States
   Chart and Five Most Expensive/Cheapest Cities
National Survey More U.S. Business Reporting Profits
  Increasing Profits, but Demand for Financing Trending Down
The Phantom of the Opera/Mystery at the Wax Museum
The Fearless Vampire Killers/The Evil Deal/Let Me In
  Halloween Classics by Leasing News' Fernando Croce
Brown Labrador Retriever
Boston, Massachusetts   Adopt a Dog
Attorneys Who Specialize in
  Banking, Finance, and Leasing

News Briefs--- 
US Bancorp Posts Record Revenue, Profit
  Revenue Grew Faster than Expenses
JPMorgan buys FinTech start-up WePay
 To Provide 4 Million Small Business Clients Payment Technology
Can Atlanta Continue To Dominate In Financial Technology?
  90 Financial Technology Companies in Georgia
Volvo Unveils a Direct Challenge to Tesla
  Manufactured in China
Windows 10 Refresh to Help Nudge PC Market Upward in 2018
  Businesses appear ready to say goodbye to aging Windows 7 PCs
Insurtech, the Alt Lending of 2017
  By Gerelyn Terzo, deBanked
Financial Innovation: A World in Transition
  Speech by Federal Reserve System Governor Jerome H. Powell

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

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[headlines]

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

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

CEO Bill Verhelle Announces Interests in Commercial Finance
He’s Back!!! See Him at the ELFA Conference to Learn More

NAPLES, Fla.,—Harvard Partners CEO Bill Verhelle announced his firm is seeking to invest in, or purchase, small innovative U.S.-based commercial finance firms. Interest is not limited to companies already in the equipment leasing and finance industry, though he will be at that industry’s annual convention next week.

Harvard Partners is specifically interested in companies with demonstrated experience and capable management teams employing new business models. Harvard Partners’ first equity investment this year, along with another private equity investor, involved a West Coast business lending and equipment finance firm with advanced financial technology (FinTech) capabilities.

"We believe there has never been a more exciting time for small, independent finance companies," said Verhelle. He noted that many nimble, technology-savvy companies are developing new business models, while many larger firms continue to be hamstrung by legacy operations and bureaucracy.

For decades, the prevailing business strategy in commercial finance was “cost leadership,” said Verhelle. “That strategy drove acquisition, consolidation and cost-control, effectively favoring the largest firms with the lowest costs.” He said it has become increasingly clear in the past five years that new technology and changing customer-buying preferences are transforming the industry, while also favoring smaller, more nimble, technology savvy commercial finance firms.

"We want to support ambitious, talented management teams building new solutions that will be the future of commercial finance,” he added.

Verhelle has a proven record of inspiring and leading executive teams in the equipment leasing and finance industry. Before founding Harvard Partners, he was the 20-year CEO of First American Equipment Finance (FAEF) based in Fairport, NY. While leading FAEF, it was recognized by Fortune magazine as a top-20 place for Millennials to work in financial services, and was ranked eight times in the INC 500 as one of the fastest growing private companies in America.

Currently, he is chairman of the Equipment Leasing & Finance Foundation, a non-profit organization in Washington, DC, dedicated to inspiring innovation and contributing to the betterment of the equipment leasing and finance industry.

In 2008, Verhelle was chairman of the industry’s largest trade association, the Equipment Leasing and Finance Association (ELFA), also based in Washington, D.C. He will be a presenter at the ELFA’s annual convention in Orlando Oct. 22-24. 

For more information visit http://www.harvardpartnersllc.com/

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

The Top Performer’s Corner: Verhelle
http://leasingnews.org/archives/May2017/05_31.htm#corner


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

New Hires/Promotions in the Leasing Business
and Related Industries

 


Steve Crane, CLFP, was promoted to Executive Vice President of Sales, BSB Leasing, Inc., Littleton, Colorado. "Steve will lead all origination and business development activities for the company, in addition to continuing as the General Manager of the Commercial Division.” Steve joined BSB Leasing, Inc. in September, 2014. Previously, he was Marketing Manager at Bank of the West, Indirect Equipment Financing Division (1995 – 2014).  During his career, which started in 1983, he has held positions at Westinghouse Credit, Ingersoll Rand Financial, CIT, and Taylor Financial. He has also held various volunteer positions with The CLFP Foundation, Eastern Association of Equipment Leasing and National Equipment Finance Association, as well as is an original member of the Leasing News Advisory Board, joining in July, 2000. He is a former Assistant Scoutmaster and Avid Ironman.  Education: California State University, Sacramento. Bachelor of Science (B.S.), Finance, General (1978 -1982)
https://www.linkedin.com/in/stephen-crane-clfp-6a665b4/


Diane Croessman has been hired as Director of the Alta Group Consultancy.  She is based in the Greater Nashville Area. Previously, she was at Lenovo/US, Executive Director, WW Financing, July, 2008.  Prior, she was General Manager, Leasing, Developing Markets, Xerox (April, 1985 - July, 2008). Volunteer: ELFA Board of Directors. ELFA Executive Committee. "She has also been involved in regulatory negotiations with the SEC, FASB and members of Congress. Prior to her work at Lenovo, Croessmann held several key positions at Xerox. She was the comptroller for North America, vice president of customer operations, vice president/director of worldwide strategy, vice president/director of the managed services business division and general manager of leasing and customer business operations for Eastern Europe/Middle East, Latin America and India." Education: Syracuse University, Bachelor of Science (BS), Accounting and Finance, 4.0.
https://www.linkedin.com/in/diane-croessmann-a03b844/


Kevin Kelly was promoted to Treasurer, KLC Financial, Minnetonka, Minnesota. He joined the company May, 2014. Prior, he was International Accounting Supervisor, Ecolab, starting August, 2011 and then also joined the Ecolab Credit Union Board of Directors, August, 2012. Previously, he was Accountant, L-1 Identity Solutions (January 2009 - July, 2011); Assurance and Advisory Associate, PricewaterhouseCoopers (July, 2008 - January, 2009); Special Projects Intern, Sinclair Oil Corporation (October, 2006 - May, 2007); Assurance and Advisory Intern, PricewaterhouseCoopers (June, 2006 - August, 2006)).  Education: Brigham Young University, Master of Accountancy, Accounting (2000 - 2007). Activities and Societies: Member of Beta Alpha Psi. https://www.linkedin.com/in/kkelly


Nicholas "Nick" Nunnari was hired by CIT Group, New York, New York as Vice President of Business Development.  He is located in the Greater Los Angeles Area.  He joined Merchant Factors Corp., March, 2011 as Account Officer; promoted December, 2012, Assistant Vice President; promoted December, 2013, Vice President.  Prior, he was Producer, On-Air Promos, NFL Media (August, 2009 - March, 2011); In-Game Promo Manager, Fox Sports (July, 2006 - June, 2009).  Education: Chico State, BA, Communications, Marketing (2004 -2006).
https://www.linkedin.com/in/nick-nunnari-0b20181a/


Mark Scardigli was promoted to the newly created position of Senior Vice President and Chief Sales Officer, Marlin Business Services, Mount Laurel, New Jersey. He began his career at Advanta July, 1992, working his way up to Director of Sales.  February, 2001, he joined the newly created Marlin Leasing Corporation as Vice President, Healthcare; promoted May, 2009, First Vice President; promoted March, 2018, as Senior Vice President and leader of Marlin's Indirect Sales Team. Volunteer: ELFA Small Ticket Business Council Steering Committee. Education: Temple University, Bachelor of Arts, Business Administration, Marketing (1988 - 1991). Misericordia University, Business, Management, Marketing and Related Support Services (1986 - 1988). Columbia University Graduate School of Business, Executive Education Program.
https://www.linkedin.com/in/mark-scardigli-5a4397a/


Christopher Szopa was named President, Equipment Finance, Independent Bank Group, Inc., Houston, Texas. Previously, he was Vice President, Houston Territory Director, Frost Bank (October, 2014 - October, 2017); Director, Capital Markets, Equify Financial LLC (October, 2013 - September, 2014); Senior Syndications Manager/Corporate Counsel, First National Capital Corporation (July, 2009 - October,2013); COO/General Counsel, Capital Advance Leasing and Financial, Inc. (April, 2005 - April, 2009); Vice President, California First Leasing Corporation (April, 2004 - April, 2005); Regional VP, First American Equipment Finance (March, 2001 - September, 2003); Counsel/Content Development Manager, WiredCapital, Inc. (January, 2000 - January, 2001); Regional Manager/Division Counsel, First Sierra Financial (April, 1998 - February, 2000).  Education: University of Houston Law Center, JD, Law (1988 - 1991).  Trinity University, BS, Geology, BS, Geology (1981 - 1985).
https://www.linkedin.com/in/christopher-szopa-41612019/

 

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

CLFP Foundation Approaches 500 CLFPs
Announces 22 New CLFPs

The Certified Lease & Finance Professional (CLFP) Foundation announces 22 individuals have passed. They sat for the 8-hour web-based exam. With one more Academy class this year, the Foundation anticipates breaking the 500-member mark prior to 2018, which is the highest it has ever been. 

The newest CLFPs are:


.        Katherine Adams, CLFP
First Vice President, Director of Operations
BancorpSouth Equipment Finance


Amber Deffert, CLFP
Credit Officer
Financial Pacific Leasing, Inc., an Umpqua Bank Company

Marlena Dittmar, CLFP
Broker Relationship Representative
Financial Pacific Leasing, Inc., an Umpqua Bank Company


Brian Friedly, CLFP
Vice President, Sales
Ascentium Capital LLC


Buck Hemphill
Vice President/Credit Manager
BancorpSouth Equipment Finance


Misty Johnston, CLFP
UBELF Transaction Coordinator
Financial Pacific Leasing, Inc., an Umpqua Bank Company


Sara Leung, CLFP
Assistant Vice President
- First American Equipment Finance


Hugh Telford Lindsay, CLFP
Vice President
BancorpSouth Equipment Finance


Aaron Loum, CLFP
Equipment Finance Sales Support
Arvest Equipment Finance


Paul MacDonald, CLFP Associate
Finance Manager
Ascentium Capital LLC


George Muhoray, CLFP
Vice President
Customers Commercial Finance


.        Christine Nelson, CLFP
Funding Manager, Team Leader
Ascentium Capital LLC


Michael Pulito, CLFP
Assistant Vice President/Project Manager
First American Equipment Finance


William John Rawding, CLFP Associate
Finance Manager,
Ascentium Capital LLC

Tiffany Reiter, CLFP
Broker Relationship Representative
Financial Pacific Leasing, Inc., an Umpqua Bank Company


Janice Schawillie, CLFP
Vice President, Capital Markets
First American Equipment Finance


Taryn Schawillie, CLFP Associate,
AVP, Equipment Finance Specialist
- First American Equipment Finance


Richard Scheib, CLFP
Vice President, Sales
- Ascentium Capital LLC

Samuel Smith, IV, CLFP
Managing Director
Customers Commercial Finance


Benjamin Stehle, CLFP
Senior Client Services Manager
Direct Capital a CIT company

Michael Van Ryen, CLFP
Account Manager
Thermo Fisher Financial Services


Jason Warren, CLFP
Vice President/Equipment Finance Specialist
BancorpSouth Equipment Finance


Benjamin Watts, CLFP
Credit Analyst
Ascentium Capital LLC


Lisa Wollney, CLFP, CPA
Manager
ESC Financial Services, Inc.

Mr. Muhoray, Vice President at Customers Commercial Finance attended the Academy for Lease Finance Professionals hosted by Ascentium Capital and stated, “I chose to seek the CLFP designation for multiple reasons: brush up on my skills; learn about new topics and concepts; and audit the course to see if it is something to consider for other employees.  All goals were met.”

The CLFP designation identifies an individual as a knowledgeable professional to employers, clients, customers, and peers in the equipment finance industry. There are currently 495 active Certified Lease & Finance Professionals and Associates. For more information, call Executive Director Reid Raykovich, CLFP at (206) 535-6281 or visit http://www.CLFPfoundation.org.

 


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

Companies with 2 or More CLFP’s/Associates

 

 

Company #CLFPs
First American Equipment Finance, a City National Bank Company 68
AP Equipment Financing (formerly Allegiant Partners) 22
Financial Pacific Leasing, Inc., an Umpqua Bank Company 21
Ascentium Capital 13
ECS Financial Services, Inc. 13
Ivory Consulting Corporation 12
Orion First Financial LLC 12
Arvest 9
Bank of the West 8
Celtic Commercial Finance 8
KLC Financial, Inc. 8
Northland Capital Financial Services 8
Beacon Funding Corporation 7
BMO Harris Equipment Finance Company 7
GreatAmerica Financial Services 7
Stearns Bank NA-Equipment Finance Division 7
BB&T Commercial Equipment Capital Corp. 6
Great American Insurance 6
Hanmi Bank 6
Provident Equipment Leasing 5
BSB Leasing, Inc. 4
Commerce Bank 4
Key Equipment Finance 4
LeaseTeam Inc. 4
Maxim Commercial Capital, LLC 4
Canon Financial Services, Inc 3
Clune & Company LC 3
Diversified Capital Credit Corporation 3
DLL 3
FSG Capital Inc. 3
Innovative Lease Services, Inc. 3
International Decision Systems 3
Marlin Equipment Finance 3
Oakmont Capital Services LLC 3
Quality Leasing Co. Inc. 3
Tamarack Consulting, Inc 3
TEQLease, Inc. 3
Alliance Funding Group 2
Amur Equipment Finance 2
BancorpSouth Equipment Finance 2
Dakota Financial, LLC 2
Finance Capital 2
First Foundation Bank 2
Fleet Advantage, LLC 2
Great Falls Capital Partners dba Pinnacle Capital 2
NCMIC Finance Corporation 2
Pacifica Capital 2
Padco Financial Services, Inc. 2
Patriot Capital Corporation a Division of State Bank & Trust Company 2
Portfolio Financial Servicing Company 2
Providence Capital Funding, Inc. 2
 
 

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

Contract Administrator Position Wanted
Equipment Leasing Account Executive Needed

Equipment Leasing Account Executive

To learn more, please click here

 Contract Administrator Position Available

To learn more, please click here

What sets CoreTech apart from other equipment leasing companies is our team members and impeccable reputation. Are you unhappy with the ethics of your company and the promises made to you? Come to Newport Beach and join us.

www.coretechleasing.com
CoreTech specializes in medium to
large size companies and firms
Over 100 law firms trust CoreTech for their leasing needs, why wouldn't you?


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

The Importance of Responding Sales Emails Within 24 Hours
FinTech #102 by Alex Vasilakos

One of the biggest ways for a company to grow is to effectively respond to sales leads. When a person sends an email to your business looking for more information or a quote, you want to get back to the individual within one day. If you can get back within a couple hours, then it is even better. You will make things immensely easier on the prospective client, and you are going to benefit as well.

You Set the Price

When a customer emails a company for a quote, the business owner can be confident that person is emailing other similar organizations at the same time. Getting your quote in first means your price sets the benchmark. Other companies’ may set higher quotes, and yours will stand out as being the lowest and fairest.

You Make It Easy

Even if you do not set the lowest price, you want to show your company is easy to work with. A huge hassle for consumers is simply getting a response from a business. You want to show potential customers you are willing to jump through hoops to earn their business, so show how you are easy to work with.

You Get a Head Start

Say you receive a sales lead for a project and within a couple hours, you are able to provide an estimate. After receiving the quote, the customer can decide whether to proceed and may ask you for a project proposal or additional information. Your team can get started on all this and submit a solid plan within one business day. It is around this time the competition will just be getting around to submitting an estimate, so you are already way ahead of your competitors.

You Establish the Tone

This goes hand-in-hand with setting the price, but if you get back to a potential lead first, then your customer service creates the overall tone. The prospective client gets used to prompt responses and friendly service, so when other companies fall short, you stand out. No matter who you are dealing with, you want your business to make the best first impression possible.

No matter how big or successful your company currently is, it is vital to offer outstanding service to each and every person who reaches out to you. A big component of growing your business is simply making yourself available. Understand that these days customers have a ton of options, and if you are unable to provide a timely response, then they will go elsewhere.

Alex Vasilakos
Director of Marketing
The Finance Marketing Group
Alex@financemarketing.com 
Office: 518-591-4645x102 / Fax: 518-677-1071
90 State Street, Suite 1500, Albany, NY 12207
Currently, Alex works exclusively with financial services companies but his depth of knowledge and experience can help design and implement long-reaching strategies for businesses across all industries.


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

 

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

Leasing/Finance/Loan Conferences
Updated Information/Exhibitors



October 22, 2017 - October 24, 2017
2017 56th Annual Convention
Orlando, Florida

ELFA Annual Convention registration surpasses 1,025!
It's not too late to add your name to the list! See details at 
https://apps.elfaonline.org/events/2017/AC/reg.cfm



Shawn Halladay, Managing Director, The Alta Group, will be covering the conference for Leasing News readers with reports and wrap-ups to the largest annual gathering of commercial leasing, bank, and finance professionals
in the industry.

Registration is available at the event for last minute attendees.

Brochure:
https://www.elfaonline.org/cvweb_elfa/cgi-bin/documentdll.dll/view?DOCUMENTNUM=1649&DOCUMENTNUM=1649

You can't afford to miss the 56th ELFA Annual Convention, Oct. 22-24 at the JW Marriott Orlando. Over 1,000 industry professionals have registered to attend. As the largest annual gathering of industry professionals, it’s your best opportunity to see longtime colleagues, meet new ones, gather important information for your business and just have fun! Fifteen timely sessions have been included on the agenda. Topics are wide ranging, which should provide something of interest to everyone. The Convention is also host to 25 companies who will be exhibiting this year. More are expected to participate.


October 22, 2017 -  October, 26, 2017
The Palazzo and Sands Convention Center
Venetian Hotel & Casino
Las Vegas, Nevada

Speakers and More Information
https://10times.com/money/speakers



“Positioning Today’s Lessors for Tomorrow” in Dubai,
United Arab Emirates / October 30 – 31, 2017

Amembal & Halladay is pleased to announce that our Management Symposium, “Positioning Today’s Lessors for Tomorrow”, will be held in Dubai, United Arab Emirates from October 30th – 31st of 2017.

Critical operational factors such as funding, improving profitability, identifying vulnerabilities and assessing the company’s financial health are explored in depth.  The speakers, including leasing company executives, will provide insights into successfully shepherding the leasing company into the future.

All members of management will greatly benefit from attending this symposium, including CEOs, CFOs, COOs, middle managers, and those being groomed for management positions.

Contact Kelly Farnham for more information and to register:
kelly@amembalandhalladay.com



8:00AM - 6:00PM EST

Tickets
https://www.eventbrite.com/e/fintech-world-summit-2017-the-evolution-of-finance-tickets-34997256737#tickets

For More Information, please go here:
https://www.eventbrite.com/e/fintech-world-summit-2017-the-evolution-of-finance-tickets-34997256737?aff=es2 




November 7, 2017
The Regency Ballroom
1300 Van Ness Avenue
San Francisco, CA 94109

Information:
https://www.empirefintechconference.com/pages/sf2017




Asia Pacific Leasing Summit 2017
November 8-10, 2017
Sheraton Hong Kong Hotel & Towers

Information
http://www.duxes-events.com/leaseap/



Western Regional Meeting
November 17 - 18, 2017
Doubletree by Hilton - Anaheim
Anaheim, California

    Exhibitors to Date
360 Equipment Finance
4 Hour Funding
American Lease Insurance
Amur Equipment Finance
Ascentium Capital LLC
Beneficial Equipment Finance Corporation
BlackRiver Business Capital
Blue Bridge Financial, LLC
BlueVine
BSB Leasing
Channel Partners Capital
CLFP Foundation
Cobra Capital
Dakota Financial, LLC
Financial Pacific Leasing, Inc.
First Federal Leasing
FORA Financial
Global Financial & Leasing Services
Hanmi Bank
InstaCOVER
Maxim Commercial Capital, LLC
Navitas Credit Corp
NCMIC
Orange Commercial Credit
Paradigm Equipment Finance, Inc.
Pawnee Leasing Corporation
Quality Leasing Co., Inc.
Quiktrak, Inc.
RapidAdvance
TEAM Funding Solutions
Tetra Financial Group
TimePayment Corporation
VFI Corporate Finance

General Information
https://www.naelb.org/events/event-description?Calendar
EventKey=c32837eb-8b8a-49ae-a908-c0b1d8557d6e&Home=%2fhome



4th Middle East Leasing Summit
December 4 -7
Jumeirah Creekside Hotel, Dubai

Information
http://www.duxes-events.com/leaseme

 

 

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


Here are the five most expensive cities in the United States for housing:


Rank

City

Median Income

Median Listing

Hours of Work to Pay Mortgage

#1

New York City

$53,373

$798,000

113.5

#2

Los Angeles

$50,205

$748,000

112.4

#3

Miami

$31,051

$449,000

109.4

#4

San Francisco

$82,294

$1,150,000

106.7

#5

Boston

$55,777

$699,000

94.7

With about 170 hours in a normal work month, the average people in these cities are spending 50% or more of their income just to pay down their mortgages. It’s worst in New York City and Los Angeles, where at least 65% of income is going towards housing.

These cities stand in stark contrast to the five cheapest cities based on hours of work needed:


Rank

City

Median Income

Median Listing

Hours of Work to Pay Mortgage

#93

Baltimore

$42,241

$139,000

24.9

#94

Buffalo

$31,918

$90,000

21.4

#95

Cleveland

$26,150

$70,000

20.3

#96

Memphis

$36,445

$88,500

18.4

#97

Toledo

$33,687

$74,900

16.9

In a city like Memphis, TN it takes only 18.4 hours of work a month to pay down the average mortgage. That’s equal to only about 10% of monthly household income.

COASTAL DISPARITY
Interestingly, even though coastal hubs have high prices relative to the cities in the middle of the country, they differ quite widely against each other. This discrepancy does not necessarily show in terms of ranking, but more in terms of the actual hours of work needed.


Rank

City

Median Income

Median Listing

Hours of Work to Pay Mortgage

#1

New York City

$53,373

$798,000

113.5

#2

Los Angeles

$50,205

$748,000

112.4

#4

San Francisco

$82,294

$1,150,000

106.7

#5

Boston

$55,777

$699,000

94.7

#10

San Jose

$84,647

$825,000

73.5

#12

Seattle

$70,594

$679,000

72.8

#24

Washington, D.C.

$70,848

$550,000

58.9

Washington, D.C., for example, requires less than half the hours of work to pay down a mortgage than Los Angeles or New York City. Meanwhile, a popular west coast hub like Seattle only needs 72.8 hours in comparison to New York’s 113.5 hours.

 


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

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

National Survey More U.S. Business Reporting Profits,
Increasing Profits, but Demand for Financing Trending Down


More U.S. businesses are reporting profits and increased hiring, with greater confidence in their ability to grow over the next 12 months; but demand for financing is trending down, according to new results from the third quarter 2017 Private Capital Access (PCA) Index report from Dun & Bradstreet and Pepperdine Graziadio School of Business and Management. 

The Q3 PCA Index results show that businesses are showing signs of more confidence that they will grow this year compared to one year ago. In Q3 2017, 87 percent said they are extremely or somewhat confident their business will grow this year compared to 80 percent in Q3 2016. In addition, businesses also are increasingly optimistic that revenue growth will occur in the next 12 months, reporting a positive revenue expectation incline from 8.3 percent in Q3 2016 to 9.2 percent in Q3 2017. 

In Q3 2017, 63 percent of all businesses said they were profitable, up from 56 percent in Q3 2016, a 12 percent increase year over year. Seventy five percent of small businesses (with revenues of $500K - $5 million) reported positive operating profits in Q3 2017, up from 65 percent in Q2 2017.  While more small businesses are reporting profits, they are also indicating that the current financing environment is restricting growth opportunity - 43 percent said the current business environment is restricting growth in Q3 2017 compared to 32 percent of mid-sized businesses. 

Demand for financing is down across the board among all size businesses. Financing for planned growth or expansion, including acquisitions not yet realized was down from 66 percent in Q2 2017 to 62 percent in Q3 2017. 


Dr. Craig Everett
Director, Pepperdine Private Capital Markets Project

"U.S. businesses are doing well, but these results suggest to us they are planning for an uncertain future by lowering their debt levels," said Dr. Craig R. Everett, director of the Pepperdine Private Capital Markets Project. "Slowing revenue growth is the cause for uncertainty but other business fundamentals are strong."


Hiring continues to be strong. In Q3 2017, 66 percent of businesses said they plan to hire in the next six months (consistent with Q2 2017 at 65 percent) and up 10 percent compared to a year ago (60 percent Q3 2016). Among companies that said they would not hire in the next six months, 21 percent named "economic uncertainty," 16 percent said "ability to find employees" and 14 percent said "government regulations and taxes" as the reason.  


Bodhi Ganguli
Lead Economist
Dun & Bradstreet

"U.S. businesses are showing more faith in the economy and have modest expectations for their prosperity in 2017," said Bodhi Ganguli, lead economist at Dun & Bradstreet. "Looking ahead, businesses will focus on how to fully enjoy a generally positive turn in the business cycle. When businesses hire employees they are making a significant commitment to their future. When business owners have greater confidence in the economy, hiring will accelerate."

The PCA Index is a quarterly indicator produced by the Graziadio School of Business and Management at Pepperdine University with the support of Dun & Bradstreet. The Q3 2017 Index report was derived from 1,176 completed responses collected July 31 – August 18, 2017. 

Download the latest index data here
https://bschool.pepperdine.edu/about/people/faculty/appliedresearch
/research/pcmsurvey/pca-index/
and follow us on Twitter at @GraziadioSchool,@DnBb2b,@DnBUS and @AccesstoCapital.

 About Dun & Bradstreet
Dun & Bradstreet (DNB) grows the most valuable relationships in business. By uncovering truth and meaning from data, we connect our customers with the prospects, suppliers, clients and partners that matter most, and have since 1841. Nearly ninety percent of the Fortune 500, and companies of every size around the world, rely on our data, insights and analytics. For more about Dun & Bradstreet, visit DNB.com. Twitter: @DnBUS.

About Pepperdine Graziadio School of Business and Management
Anchored in the core values of integrity and innovation, the Pepperdine Graziadio School of Business and Management challenges individuals to think boldly and drive meaningful change that positively impacts their organizations and communities. With an entrepreneurial spirit, the Graziadio School advances experiential learning in small classes that deepen connections and stimulate critical thinking. Through our wide continuum of MBA, MS and Executive degree programs offered across six California campuses, Graziadio faculty inspire full time students and working professionals to realize their greatest potential as values-centered, "best for the world" leaders. Follow Pepperdine Graziadio on Facebook, Twitter at @GraziadioSchool, Instagram, and LinkedIn.

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

 

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

Leasing News: Halloween Special
By Fernando Croce

With Halloween just around the corner, we’ve put together a list of movie recommendations that ranges from classics to obscurities, from the subtle to the gruesome. So check out Netflix for a frightful good time, and stay tuned for more titles next week!

The Phantom of the Opera (Rupert Julian, 1925): The original man of a thousand faces, the great silent-movie star Lon Chaney delighted in outcast characters and grotesque makeup. In a signature turn, he plays the title character in this famous screen version of Gaston Leroux’s French novel, set in the opera house in Paris. Christine (Mary Philbin) is a young singer with a mysterious admirer, a shadowy figure named Erik who, once a composer but now grievously disfigured, haunts the dark catacombs in search of love. With Christine’s breakout performance just around the corner, she finds herself torn between the Phantom and a dashing suitor (Norman Kerry). Full of secret passages and grand gestures, this classic fright endures thanks above all to the pathos and terror Chaney brings to his part.

Mystery at the Wax Museum (Michael Curtiz, 1933): Though not as well-remembered as its 3-D remake “House of Wax,” this early sound chiller from versatile director Michael Curtiz (“Casablanca”) exudes its own spell. Lionel Atwill stars as Ivan Igor, a European sculptor whose remarkably lifelike statues showcase a tendency toward the macabre. Following a fire that nearly kills him, he moves to New York City to open a new museum. With the grand opening coming up, a wave of murders strikes the city. Could there be a connection? Brash reporter Florence (Glenda Farrell) is on the case. Mixing Old World Gothic with all-American snap, Curtiz’s film serves up a collection of fun frights, from striking early Technicolor hues to an appearance by “King Kong” scream queen Fay Wray.

The Fearless Vampire Killers (Roman Polanski, 1967): Fiendishly adept at depicting evil in grave settings, Polish master Roman Polanski (“Rosemary’s Baby”) turns to comedy for this sly, lavish sendup of vampire lore. The director also turns up onscreen as Alfred, the faithful but often bumbling assistant of Professor Abronsius (Jack MacGowran), a specialist of the occult whose latest trip takes him to snowy Transylvania. While staying at an isolated inn, they witness the kidnapping of the owner’s lovely daughter (Sharon Tate) by the fearsome Count (Ferdy Mayne). It’s up to these unlikely heroes to enter the castle and rescue her before she’s offered to a gaggle of fancy, fanged ghouls. Putting his own elegantly goofy spin on tropes of Hammer horror, Polanski offers a striking blend of shivers and laughs.

The Evil Dead (Sam Raimi, 1981): Though he’d hit mainstream box-office gold with the “Spider Man” movies of the early 2000s, director Sam Raimi got his start with this low-budget horror classic, which uses a remarkably kinetic style to mingle gore and humor. Unfolding in an isolated woods cabin over the course of a gruesomely eventful night, the film follows a group of young friends, led by Ash (Bruce Campbell), who unwisely decide to dab in the supernatural. After reading from the Book of the Dead, the hikers find themselves besieged by malevolent spirits that proceed to possess their bodies. Can Ash survive long enough to see the light of dawn? Conquering limited resources with sheer cinematic ingenuity, Raimi creates an atmospheric roller-coaster of dread and giddiness.

Let Me In (Matt Reeves, 2010): Coming after a slew of moony “Twilight” installments, this surprisingly affecting tale of melancholy vampires directed by Matt Reeves (“Cloverfield”) proves there’s still fresh blood left in the genre. A remake of the acclaimed Swedish film “Let the Right One In,” it depicts the strange friendship between Owen (Kodi Smit-McPhee), a bullied young student, and Abby (Chloe Moretz), the sad-eyed, mysterious girl who’s just moved in to his New Mexico town with her guardian (Richard Jenkins). A bond develops between them, and it’s only gradually that Owen realizes that there’s something strange about Abby, including a certain need for blood. Where does friendship end and savagery begin? Though originally advertised as a horror movie, it endures as a moving tale of frightful sorrow.

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Brown Labrador Retriever
Boston, Massachusetts  Adopt-a-Dog


Missy
ID#A258170
Estimated 10 Years old
$200

For more information about this animal, call:
Animal Rescue League of Boston – Boston Shelter at (617) 426-9170

Animal Rescue League of Boston
Boston Shelter
10 Chandler Street
Boston, MA 02116
Phot: (617) 482-5113
adoption@arlboston.org

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

 

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Attorneys Who Specialize in
Banking, Finance, and Leasing

Birmingham, Alabama
The lawyers of Marks & Associates, P.C. have over 30 years experience in dealing with virtually every type of equipment financing and are recognized throughout the industry for prompt, practical solutions and exemplary service. They offer cost-conscious, effective lease enforcement and good counsel. 
Email: Barry@leaselawyer.com
Website: www.leaselawyers.com
 

Kenneth C. Greene




California
Leasing and Financial consultant, active in several leasing
associations, as well as involved in music and film production in LA.  Mention "Leasing News" for a free consultation.
818.575.9095
Skype: 424.235.1658
ken@kengreenelaw.com
Connecticut, Southern New England: 
EVANS, FELDMAN & BOYER, LLC Collections, litigation, documentation, portfolio sales and financing, bankruptcy. We represent many of the national and local leasing companies doing business in this state. Past chairman EAEL legal committee. Competitive rates. 
email: rcfeldman@snet.net  
Los Angeles/Santa Monica
Hemar & Associates, Attorneys at Law
Specialists in legal assistance, including debt collection, equipment recovery, litigation for 35 years. Fluent in Spanish. 
Tel: 310-829-1948 
email: phemar@hemar.com


David G. Mayer
Partner, Dallas, Texas
Schackelford, Bowen, McKinley & Norton 
9201 N. Central Expressway
Fourth Floor
Dallas, Texas 75231
Telephone: (214) 780-1400
http://shackelfordlaw.net/attorneys/david-g-mayer/

Los Angeles, Southern CA 
Seasoned attorney representing secured creditors in auto finance and truck/equipment lease industry.  Bankruptcy and State Court litigation.   Vincent V. Frounjian (818) 990-0605 or email: vvf@pacbell.net.

Encino, California: Statewide “ELFA” 
Hemar, Rousso & Heald, LLP 30 yr excellent reputation Lessor representation commercial litigationdebt collection, and bankruptcy.
Call Stephen E. Jenkins Esq (818) 501-3800

Los Angeles, Statewide: CA.     "ELFA" Aggressive creditors rights law firm specializing in equipment leasing handling collection matters on a contingency, fixed fee or hourly cbasis. email:RGarwacki@prodigy.net 

Los Angeles, Statewide: CA      "ELFA"
Practice limited to collections, bankruptcy and problem accounts resolution. Decades of experience. 10-lawyer firm dedicated to serving you. Call Ronald Cohn, Esq. (818)591-2121 or email. Email: rrcohn@aol.com   


Los Angeles- Statewide, CA
Lawyer specializing in banking and leasing issues statewide. Documents and litigation. 
Tom McCurnin, Barton, Klugman & Oetting. Voice: (213) 617-6129 
Cell:(213) 268-8291
Email: 
tmccurnin@bkolaw.com

California & National

Paul Bent – More than 35 years experience in all forms of equipment leasing, secured lending, and asset based transactions. Financial analysis, deal structuring, contract negotiations, documentation, private dispute resolution, expert witness services. 
(562) 426-1000
www.paulbent.attorney
pbent@paulbent.attorney

Illinois
 
Kevin E. Trabaris: Concentrates his practice in the areas of commercial finance, corporate and business transactions. Extensive experience representing banks, financial companies, equipment lessors, insurers and other funding and intermediary entities and borrowers in connection with thousands of business financing matters. He has handled everything from small ticket transactions to billion dollar syndicated loans, real estate financing to asset-based facilities.
Email:  ktrabaris@culhanemeadows.com
Telephone:  847-840-4687
www.culhanemeadows.com

Massachusetts

Joseph G. Bonanno, Esq., CLFP.  Transactional/Documentation. Past special industry consultant to The World Bank,  industry expert witness in litigation, appointed to Governor’s Counsel to adopt Articles 2A and 9 in Massachusetts, MA continuing legal education co-instructor,  past (5) Term Certified Leasing and Finance Professional Board Member, CLFP review instructor, numerous authored and co-authored published articles and conducting educational seminars. (781) 328-1010; law@jgbesq.com

National: Coston & Rademacher: Business attorneys serving the lease-finance industry since 1980. Transactional, documentation, corporate/finance, workouts, litigation, bankruptcy, portfolio management. Chicago-based national practice. Jim Coston, CLP (Members: ELFA, NEFA). 
email: Jcoston@costonlaw.com
Website:www.costonlaw.com

Michael J. Witt, experienced bank, finance, and leasing attorney, also conducts Portfolio Audits. Previously he was Managing Counsel, Wells Fargo & Co. (May, 2003 – September, 2008); Senior Vice President & General Counsel, Advanta Business Services (May, 1988 – June, 1997) Tel: (515) 223-2352 Cell: (515) 868-1067 
E-mail: MWitt@Witt-Legal.com
Web: www.witt-legal.com

   
St. Louis County , MO. - statewide: 
Schultz & Associates LLP., collections, negotiation, and litigation. Also register and pursue recovery on foreign judgments. Contingency and reasonable hourly rates. 
Ronald J. Eisenberg, Esq.
(636) 537-4645 x108 
reisenberg@sl-lawyers.com
www.sl-lawyers.com
NJ, De, Pa: Specializing in leased equipment/secured transactions. Collections, replevins/workouts reasonable rates. Sergio Scuteri/Capehart & Scratchard, PAsscuteri@capehart.com / www.capehart.com
New York and New Jersey

Frank Peretore
Chiesa Shahinian & Giantomasi
West Orange, New Jersey
http://www.csglaw.com/
biographies/frank-peretore
 
Phone 973-530-2058
fperetore@csglaw.com
 Documentation, portfolio purchase & sale, replevin, workouts, litigation, collection, bankruptcy. Aggressive. Over 30 years experience.

Thousand Oaks, California: 
Statewide coverage Spiwak & Iezza, LLP 20+ years experience,Representing Lessors banks in both State/ Federal Courts/ all aspects of commercial leasing litigation.
Nick Iezza 805-777-1175
niezza@spiwakandiezza.com

 

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News Briefs----

US Bancorp Posts Record Revenue, Profit
Revenue Grew Faster than Expenses
http://ww2.cfo.com/financial-performance/2017/10/us-bancorp-posts-record-revenue-profit/

JPMorgan buys FinTech start-up WePay
 To Provide 4 Million Small Business Clients Payment Technology
https://www.cnbc.com/2017/10/18/jpmorgan-buys-fintech-start-up-wepay.html

Can Atlanta Continue To Dominate In Financial Technology?
  90 Financial Technology Companies in Georgia
https://www.wabe.org/can-atlanta-continue-dominate-financial-technology/

Volvo Unveils a Direct Challenge to Tesla
  Manufactured in China
https://www.wsj.com/articles/volvo-unveils-a-direct-challenge-to-tesla-1508252078

Windows 10 Refresh to Help Nudge PC Market Upward in 2018
Businesses appear ready to say goodbye to aging Windows 7 PCs
https://www.datamation.com/applications/windows-10-refresh-to-help-nudge-pc-market-upward-in-2018.html

Insurtech, the Alt Lending of 2017
  By Gerelyn Terzo, deBanked
http://debanked.com/2017/10/insurtech-the-alt-lending-of-2017/

Financial Innovation: A World in Transition
  Speech by Federal Reserve System Governor Jerome H. Powell
https://www.federalreserve.gov/newsevents/speech/powell20171018a.htm



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You May Have Missed---

IFRS 16 lease accounting calculator --Free
http://soft4leasing.com/ifrs-blog/ifrs-16-lease-accounting-calculator/


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Baseball Poem

Friday is Mickey Mantle’s birthday, so first,
a song made popular by Teresa Brewer, a top hit

in its day, sung along with the famous home run hitter.

I love Mickey
Mickey who? You know who...
The fella with the celebrated swing
I love Mickey
Mickey who? You know who...
The one who drives me batty ev'ry Spring
If I don't make a hit with him my heart will break in two
I wish that I could catch him and pitch a lttle woo oo
I love Mickey
Mickey who? Mickey you. Mickey me?
That's who oo oo oo oo oo oo oo
I love Mickey
Mickey who? You know who...
His muscles are a mighty sight to see
I love Mickey
Mickey who? You know who...
The one I want to steal right home with me
I'd sacrifice most anything to win his many charms
I'd like to be a fly ball and pop into his arms oo
I love Mickey
Mickey who? Mickey Mantle
Mm mm I love you
Who, me?
Mm mm I love you
Not Yogi Berra?
Mm mm I love you
Here are other “baseball hit” songs:
http://www.davesfunstuff.com/funnycity/aaabaseball.htm

 

Lyrics to Roy Clark's Rendition of 
"Yesterday When I Was Young"
Performed at Mickey Mantle's Funeral, August 15, 1995 - Dallas, TX


 


(When Mickey heard Roy Clark sing the song, "Yesterday When I Was Young," he felt it summed up his life very well. He asked Roy if he would sing it at his funeral.)

Yesterday when I was young
The taste of life was sweet as rain upon my tongue
I teased at life as if it were a foolish game
The way the evening breeze may tease a candle flame
The thousand dreams I dreamed, the splendid things I planned
I always built, alas, on weak and shifting sand
I lived by night and shunned the naked light of day
And only now I see how the years ran away
Yesterday when I was young
So many drinking songs were waiting to be sung
So many wayward pleasures lay in store for me
And so much pain my dazzled eyes refused to see
I ran so fast that time and youth at last ran out
I never stopped to think what life was all about
And every conversation I can now recall
Concerned itself with me, and nothing else at all
Yesterday the moon was blue
And every crazy day brought something new to do
I used my magic age as if it were a wand
And never saw the waste and emptiness beyond
The game of love I played with arrogance and pride
And every flame I lit too quickly, quickly died
The friends I made all seemed somehow to drift away
And only I am left on stage to end the play
There are so many songs in me that won't be sung
I feel the bitter taste of tears upon my tongue
The time has come for me to pay for yesterday when I was young


"Yesterday When I Was Young"
Lyrics by Charles Aznavour
Translated into English by Herbert Kreutzer
Performed by Roy Clark, August 15, 1995, Dallas, Texas


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Sports Briefs----

Why Are MLB’s Best Managers Botching So Many Decisions in the Postseason?
https://www.theringer.com/mlb/2017/10/18/16495186/managers-mistakes-joe-girardi-joe-maddon-aj-hinch-terry-francona


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California Nuts Briefs---

Northern California fire victims may want to rebuild.
   But can they find someone to do it?
http://www.sacbee.com/news/local/article179433551.html

San Diego casino boom heats up: Valley View
   to launch $50 million expansion
http://www.sandiegouniontribune.com/entertainment/casinos/sd-fi-valley-view-expansion-20171017-story.html


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“Gimme that Wine”

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

Many vineyards off limits in Napa and Sonoma
    as firefighters mop up
https://www.winebusiness.com/news/?go=getArticle&dataid=191040

Dr. Tom Collins seeks samples of wines with smoke taint
 or suspected to be tainted, for chemical and sensory evaluation
https://www.winebusiness.com/blog/?go=getBlogEntry&dataid=191019

Fires Won't Destroy California Wine Industry
https://www.wine-searcher.com/m/2017/10/fires-won-t-destroy-california-wine-industry

Kosher Winery Partially Reopens Amid California Wildfires
http://forward.com/fast-forward/385347/kosher-winery-partially-reopens-amid-california-wildfires/


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 History

     1739 - England declared war on Spain over borderlines in Florida. The War is known as the “War of Jenkins' Ear” because a Member of Parliament waved a dried ear and demanded revenge for alleged mistreatment of British sailors. British seaman Robert Jenkins had his ear amputated following a 1731 barroom brawl with a Spanish Customs guard in Havana and saved the ear in his sea chest.
    1765 – The Stamp Act Congress, meeting in New York, drew up a declaration of rights and liberties.  It was the first gathering of elected representatives from several of the American colonies to organize a unified protest against new British taxation, in this case, The Stamp Act, which required the use of specially stamped paper for legal documents, playing cards, calendars, newspapers and dice for virtually all business in the colonies, and was to take effect November 1.  The Congress was organized in response to a circular letter distributed by the colonial legislature of the Province of Massachusetts Bay and consisted of delegates from nine of the eighteen British colonies in North America. All nine of the attending delegations were from the Thirteen Colonies that eventually formed the United States. Although sentiment was strong in some of the other colonies to participate in the Congress, a number of royal governors took steps to prevent the colonial legislatures from meeting to select delegates.  The Congress discussed and united against the act, issuing a Declaration of Rights and Grievances in which they claimed that Parliament did not have the right to impose the tax because it did not include representation from the colonies. Members of six of the nine delegations signed petitions addressed to Parliament and King George III objecting to the Act's provisions.
    1781 - Washington takes Yorktown. By 1780, the Continental Army had suffered its worst privations, it greatest defeats, and its darkest hours. October was a terrible month in 1780. It would continue to lose battles but, by this time, turned into a well-trained fighting force by European officers and aided by allied French forces, it endured.  Historians consider the American Revolutionary War ended this day in 1781 when more than 7,000 English and Hessian troops, led by British General Lord Cornwallis, surrendered to General George Washington at Yorktown, Virginia. The military phase of the conflict ended at Yorktown as there were no more major battles, but the diplomatic struggle continued. Preliminary articles of peace were secured on November 30, 1782, after long and difficult negotiations. The Treaty of Paris, by which the war was officially ended and independence formally acknowledged by Great Britain, was not signed until September 3, 1783. Adding to the disagreements was communication by ship and even meetings locally were delayed as the pace of public transportation in the U.S. was painfully slow. It took Thomas Jefferson five days to travel from Philadelphia to Baltimore. The time delay also gave over 100,000 loyalists the time to flee the U.S. 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-to-do, engaged in commerce or the professions, or public officials. Many fled to Canada, some to England. Some returned after the peace treaty was actually signed. After the conflict, many were also able to recover at least some of their confiscated property. The estimated colonial population was 2,781,000.
http://xroads.virginia.edu/~CAP/ROTUNDA/york_1.html
http://bluehawk.monmouth.edu/~library/mumford.html
    1789 – John Jay was sworn in as the first Chief Justice of the US Supreme Court.  He served until 1795.  Jay served as the President of the Continental Congress (1778–79), an honorific position with little power. During and after the Revolution, Jay was Ambassador to Spain, a negotiator of the Treaty of Paris by which Great Britain recognized American independence, and Secretary of Foreign Affairs, helping to fashion US foreign policy. His major diplomatic achievement was to negotiate favorable trade terms with Great Britain in the Jay Treaty in 1794.  Jay was a proponent of strong, centralized government and worked to ratify the US Constitution in New York in 1788 by pseudonymously writing five of “The Federalist Papers,” along with the main authors Alexander Hamilton and James Monroe. After the establishment of the U.S. government, Jay became the first Chief Justice.
    1829 - The monument to George Washington was completed in Baltimore, MD. The cornerstone was laid on July 4, 1815, with a Masonic ceremony.
    1833 - Edgar Allen Poe's "MS. Found in a Bottle" appears in "Baltimore Sunday Visitor."  MS is shorthand for manuscript.
    1842 - Military forces, believing war has begun, occupy Monterey, Mexico.
    1844 - The famous "Lower Great Lakes Storm" occurred. Southwesterly winds were at hurricane force for five hours, driving lake waters into downtown Buffalo, NY. The storm drowned 200 persons.
    1848 - John "The Pathfinder" Fremont moved out from near Westport, Missouri, on his fourth Western expedition--a failed attempt to open a trail across the Rocky Mountains along the 38th parallel. It was not until scout Christopher "Kit" Carson joined him that Fremont found the passage West.
    1850 - Annie Smith Peck shocks society by wearing trousers when she climbed mountains. She had conquered every large mountain in the Western Hemisphere and, at age 85, she climbed Mount Madison in New Hampshire.
    1876 - Birthday of Mordecai Peter Centennial “Three Finger” Brown (d. 1948) at Nyesville, IN.  Baseball Hall of Fame pitcher, Brown won 239 games. His nickname came from a childhood injury that cost him one finger and misshaped others. Inducted into the Hall of Fame in 1949.
    1885 - Charles E. Merrill, (d. 1985) the American investment banker who helped create the largest brokerage firm in the United States, was born in Green Cove Springs, Fla.  In 1914, he founded the firm that grew into Merrill Lynch, Pierce, Fenner & Beane.  One of the first New York stockbrokers to realize the importance of selling stocks and bonds to small investors by furnishing for them simple, conservative and sound financial advice, in 1928, Merrill and Roger Babson were almost alone in the financial community in sensing possible disaster in the stock market. He was convinced that the dizzy joy ride then under way would not last and his firm mailed out a market letter in which he said:  "Now is the time to get out of debt….We do not urge you to sell securities indiscriminately, but we advise you in no uncertain terms that you take advantage of present high prices and put your own financial house in order. We recommend that you sell enough securities to lighten your obligations, or better yet, pay them entirely."  It was estimated at the time of the stock market crash that Mr. Merrill's foresight had saved over $6,000,000 for his customers.
    1895 - Historian Lewis Mumford (d. 1990) birthday, Flushing, NY. 
    1901 - Arleigh A. Burke, (d. 1996) admiral (World War II, Solomon Islands, Navy Cross), was born in Boulder, Colorado. Although unable to complete his high school education because the school was closed during the flu epidemic in 1917, he competed successfully for an appointment to the U.S. Naval Academy. Convinced that the inadequacies of his secondary education put him behind other Midshipmen in his class, Burke decided that he could only overcome this deficiency by working more diligently at his studies than the others. This plan paid great dividends, and he graduated in 1923 in the top sixth of his class. Taking this lesson strongly to heart, he remained a believer in the benefits of sustained hard work throughout his Navy career. During the interwar years, Arleigh Burke honed his skills as a surface warfare officer, serving initially in the battleship USS Arizona, obtaining a postgraduate degree in ordnance engineering, and rising eventually to command a destroyer. It was in this formative period of his career that he learned the importance of the Navy adage "loyalty up, loyalty down"--if you expect loyalty from your people you must be loyal to them in return. During World War II, Burke commanded Destroyer Squadron 23 (the "Little Beavers") during combat in the South Pacific. Developing successful tactics to overcome Japanese advantages in night surface operations, he earned fame as "31-knot" Burke during the 1943 battles of Empress Augusta Bay and Cape St. George. It was in this period that his belief in the importance of thorough training was validated--as he explained to his subordinates, in combat your outfit could expect to do only about as well as it had trained to do beforehand. During Dwight Eisenhower's terms as President in the 1950s, Arleigh Burke served as Chief of Naval Operations (CNO) for six years. While CNO he initiated efforts such as the submarine-launched Polaris ballistic missile program that tremendously strengthened the U.S. Navy's military capabilities.
    1915 - Establishment of Submarine Base at New London, Connecticut. In 1868, Connecticut gave the Navy land and, in 1872, two brick buildings and a "T" shaped pier were built and officially declared a Navy Yard. Today the Naval Submarine Base New London (SUBASE NLON), located on the east side of Thames River in Groton, CT, proudly claims its motto to be "The First and Finest."
    1917 - The first doughnut was fried by Salvation Army (who would found the United Service Organization) volunteer women for American troops in France during World War I. The first of a group of 250 Officers and Soldiers of The Salvation Army to be posted to France to serve with General John Pershing's American expeditionary force sailed from New York on August 12, 1917. General Pershing was far from convinced that The Salvation Army's presence at the Front Line would benefit his troops and at first, the Salvationists were treated with total indifference. At Demange, in the American first division sector, Salvationists toiled in pouring rain to build a hut 25 feet wide by 100 feet long for the troops benefit. No one gave them the time of day, much less a hand. What swung the troops to The Army's side was their practical example. No task was too menial, none too dangerous or difficult. But The Salvation Army won pride of place in American hearts by a brain wave born of sheer necessity. At Montiers, after 36 days of rain, supplies were almost exhausted. Only flour, lard and sugar remained. Ensign Margaret Sheldon, from the Chicago slums made a suggestion which was to go down in history. "Why don't we make them doughnuts?" They had no rolling pins or cake cutters and gales had blown down their tent but Salvationists thrive on challenges. Along with Ensign Helen Purviance, Margaret Sheldon crouched in the rain to prepare the dough. An empty bottle did duty as a rolling pin and in place of a cutter they used a knife to twist the doughnuts into shape. The first doughnuts cooked over a wood fire were triumph of improvisation. On the first day they served up some 150 doughnuts. The following days batch topped 300. The traditional hole now being punched out with the inner tube of a coffee percolator. The doughnuts made by The Salvation Army Lassies were an instant success with the troops. Some lining up for hours in appalling conditions for their daily supply. Soon the troops came to realize that even in the firing line The Salvationists would not neglect them. When Lassies like Ensign Florence Turkington crawled under shell fire to deliver coffee and doughnuts to troops in the trenches, letters praising the work of The Salvation Army began flooding back home. Overnight, the bewildered lassies found themselves national heroines. Although often in great danger The Salvationists displayed tremendous courage. At Baccarat they worked so close to the German lines that they couldn't even whisper for fear of being heard by the listening posts. The sermon that came with the coffee and doughnuts was a friendly squeeze on the shoulder. The Doughnut became a symbol of The Salvation Army in the U.S.A. Outside many of The Army rest rooms and hostels were hung giant "doughnuts". The Army, by selfless example, had won the hearts of a nation. At the end of the war the American people subscribed an unprecedented 13 million dollars to meet the debts incurred by The Salvation Army in its' war work.
    1922 – Columnist Jack Anderson (d. 2005) was born in Long Beach, CA.  Considered one of the fathers of modern investigative journalism, Anderson won the 1972 Pulitzer Prize for National Reporting for his investigation on secret American policy decision-making between the US and Pakistan during the Indo-Pakistani War of 1971.  He also broke open the investigation and harassment by the Nixon administration of John Lennon during the fight to deport Lennon, the search for fugitive ex-Nazi officials in South America and the savings and loan crisis. He discovered a CIA plot to assassinate Fidel Castro and was credited for breaking the Iran-Contra affair, though he has said the scoop was "spiked" because the story had become too close to President Reagan.  In the mid-1960s Anderson exposed the corruption of Senator Thomas J. Dodd and unearthed a memo by an ITT executive admitting the company paid off Richard Nixon’s campaign debt to stymie anti-trust prosecution. His reporting on Nixon-ITT corruption earned him a place on the Master List of Nixon’s Political Opponents.  In 1972, Anderson was the target of an assassination plot in the White House. Two Nixon conspirators admitted under oath they plotted to poison Anderson on orders from senior White House aide Charles Colson.  White House "plumbers" G. Gordon Liddy and E. Howard Hunt met with a CIA operative to discuss the possibilities, including drugging Anderson with LSD, poisoning his aspirin bottle, or staging a fatal mugging.  The plot was aborted when the plotters were arrested for the Watergate break-in. Nixon had long been angry with Anderson, blaming Anderson's election eve story about a secret loan from Howard Hughes to Nixon's brother for Nixon's loss of the 1960 presidential election.
    1926 - John C. Garand patented a semi-automatic rifle. Civil Service employee John Garand was in a class all by himself, much like the weapons he created. Garand was Chief Civilian Engineer at the Springfield Armory in Massachusetts. Garand invented a semiautomatic .30 caliber rifle, known as the M-1 or "the Garand," which was adopted in 1936 after grueling tests by the Army. It was gas-operated, weighed under 10 pounds, and was loaded by an 8-round clip. It fired more than twice as fast as the Army's previous standard-issue rifle and was praised by General George S. Patton, Jr., as "a magnificent weapon" and "the most deadly rifle in the world."
    1932 – Robert Reed (d. 1992) was born John Robert Rietz, Jr. in Highland Park, IL.  A television veteran, he became Mike Brady opposite Florence Henderson’s Carol Brady in “The Brady Bunch” (1969-74).
    1938 - For Decca records, the Bob Crosby Orchestra recorded "I'm Free." Trumpet was provided by Billy Butterfield. A few years later the song would be retitled, "What's New."
    1939 - One of Frank Capra's finest films, “Mr. Smith Goes to Washington,” opened in the United States. Starring James Stewart, Jean Arthur, Claude Rains, Harry Carey, Sr., and Edward Arnold, the film about a young idealist who discovers nothing but corruption in the government, did well at the box office. It received many Oscar nominations, including Best Picture, Best Actor, Best Supporting Actor, and Best Director, but was knocked out of most at awards' time due to “Gone with the Wind's” sweep; it did snag, however, Best Writing, Original Story for writer Lewis R. Foster, and Stewart received the New York Film Critics Circle Awards for Best Actor.
    1940 – Larry Chance, lead singer of The Earls, was born Larry Figueiredo in Philadelphia.  Upon moving to The Bronx, he originally formed his group as The Hi-Hatters. The group was eventually rechristened The Earls and he changed his last name to Chance, after the record label. In 1962, the Earls' single "Remember Then" was a huge national hit, reaching #24 on the Billboard charts. Other records entered the charts, including "Never" (top 5 on the local New York charts), "Life Is but a Dream" (top 10 on the local New York charts), and "I Believe," considered an East Coast classic. Other recordings include "Looking for My Baby" and "Kissing."
    1943 – Streptomycin, the first antibiotic remedy for tuberculosis was isolated by researchers at Rutgers University.
    1944 - US Navy opened to Black women.
    1944 - HAJIRO, BARNEY F., Medal of Honor
for conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty.  Private Barney F. Hajiro distinguished himself by extraordinary heroism in action on 19, 22, and 29 October 1944, in the vicinity of Bruyeres and Biffontaine, eastern France. Private Hajiro, while acting as a sentry on top of an embankment on 19 October 1944, in the vicinity of Bruyeres, France, rendered assistance to allied troops attacking a house 200 yards away by exposing himself to enemy fire and directing fire at an enemy strong point. He assisted the unit on his right by firing his automatic rifle and killing or wounding two enemy snipers. On 22 October 1944, he and one comrade took up an outpost security position about 50 yards to the right front of their platoon, concealed themselves, and ambushed an 18-man, heavily armed, enemy patrol, killing two, wounding one, and taking the remainder as prisoners. On 29 October 1944, in a wooded area in the vicinity of Biffontaine, France, Private Hajiro initiated an attack up the slope of a hill referred to as "Suicide Hill" by running forward approximately 100 yards under fire. He then advanced ahead of his comrades about 10 yards, drawing fire and spotting camouflaged machine gun nests. He fearlessly met fire with fire and single-handedly destroyed two machine gun nests and killed two enemy snipers. As a result of Private Hajiro's heroic actions, the attack was successful. Private Hajiro's extraordinary heroism and devotion to duty are in keeping with the highest traditions of military service and reflect great credit upon him, his unit, and the United States Army.
    1944 - Marlon Brando made his New York stage debut at age 20 in the hit Broadway play, “I Remember Mama.” Playwright John Van Druten adapted Kathryn Forbes' novel, “Mama's Bank Account.” The show will become one of television’s first big hits in the late 1940's.
    1945 – Jeannie C. Riley was born Jeanne Carolyn Stephenson in Stamford, TX.   She is best known for her 1968 country and pop hit "Harper Valley PTA", which missed (by one week) becoming the Billboard Country and Pop #1 hit at the same time.
   1949 - No. 1 Billboard Pop Hit: “That Lucky Old Sun,'' Frankie Laine.
    1950 - "The Adventures of Ellery Queen" premiered. My father, Lawrence Menkin, wrote many of the episodes. In each of the shows, Queen talked to the home audience at the show's climax to see if they were able to identify the killer. These people played Ellery Queen during the several year TV series: Lee Bowman, Hugh Marlowe, George Nader, Lee Phillips, Peter Lawford and Jim Hutton.
    1951 - Top Hits
“Because of You” - Tony Bennett
“I Get Ideas” - Tony Martin
“Cold, Cold Heart” - Tony Bennett
“Always Late (With Your Kisses)” - Lefty Frizzell
    1953 – One of the most popular singers of his time, Julius LaRosa, was fired on the air by Arthur Godfrey. "Julie lacks humility," Godfrey told the stunned audience, while putting his arm around LaRosa adding, "So, Julie, to teach you a lesson, you're fired!" This ended his career, and Godfrey also was never the same.  Godfrey later held a press conference after the incident becomes a national scandal, claiming that by hiring his own manager, LaRosa had lost his "humility," but several historians claim that Godfrey was actually upset that the singer was beginning to receive more fan mail than the host.
    1955 - For the first and only time, Elvis Presley and Pat Boone share the bill for a performance at the Circle Theatre in Cleveland, OH.
    1956 - The U.S. Supreme Court unanimously strikes down two Alabama laws requiring racial segregation on public buses.
    1957 -  Maurice 'The Rocket' Richard of the Montreal Canadiens became the first player in the National Hockey League to score 500 goals when he tallied against the Chicago Blackhawks in a 3-1 Montreal victory. Richard finished his career with 544 goals and entered the Hockey Hall of Fame in 1961.
    1957 - No. 1 Billboard Pop Hit: “Jailhouse Rock,'' Elvis Presley.
    1959 – “The Miracle Worker,” based on the childhood training of deaf and blind Helen Keller, and starring Anne Bancroft and 12-year-old Patty Duke, opened on Broadway to favorable reviews.
    1958 - Brenda Lee records "Rockin' Around The Christmas Tree." The song will be released as a single but will fail to chart in either 1958 or 1959. When it was re-released in 1960, it rose to #14 and has since become a Christmas standard, being ranked at #4 in the Top 10 All Time Christmas Songs. 
    1959 - Top Hits
“Mack the Knife” - Bobby Darin
“Put Your Head on My Shoulder” - Paul Anka
“Mr. Blue” - The Fleetwoods
“The Three Bells” - The Browns
    1960 - The United States State Department embargoed the shipment to Cuba of all goods except medicine and food.
    1960 - Martin Luther King, Jr. and 35 students choose jail after arrest for sit-in requesting service at the snack bar of Atlanta's Rich's department store.
    1961 - At a show in Litherland Town Hall in Liverpool, England, two popular local groups combined on stage to form the Beatmakers, performing Jerry Lee Lewis' "Whole Lotta Shakin' Goin' On," Ray Charles' "What'd I Say?," the pop standard "Red Sails in the Sunset," and Charles' "Hit the Road, Jack." The groups? Gerry and the Pacemakers and the Beatles.
    1963 - Buck Owens started a 16-week run at top of the U.S. Country chart with "Love's Gonna Live Here." It eventually became the biggest of all the Buck Owens hits.
    1964 - The incredibly influential English concert called the "American Negro Blues Festival" kicks off, featuring Howlin' Wolf, Willie Dixon, Lightnin' Hopkins, and Sonny Boy Williamson, among others. It is the first glimpse of these bluesmen for many upcoming British R&B and rock legends.
    1967 - Top Hits
“The Letter” - The Box Tops
“To Sir with Love” - Lulu
“Little Ole Man (Uptight-Everything's Alright)” - Bill Cosby
“I Don't Wanna Play House” - Tammy Wynette
    1967 - The Jefferson Airplane perform at Loews Warfield Theatre on Market Street, San Francisco.
http://en.wikipedia.org/wiki/Jefferson_Airplane
http://grove.ufl.edu/~number6/Jefferson.Airplane/airplane.html
    1967 - Tamla-Motown releases Smokey Robinson & the Miracles "I Second That Emotion." The record climbs to #4 on the pop chart and Number One of the R&B, making it their biggest hit since "Shop Around" in 1960.
    1969 – Daryle "Mad Bomber" Lamonica passes for six touchdowns vs. Buffalo as the Oakland Raiders won, 50-21.
http://members.aol.com/FreeVee/index.html
    1969 - No. 1 Billboard Pop Hit: “I Can't Get Next to You,'' The Temptations.
    1970 - Working from a design sketched out by his wife and himself, Elvis Presley orders a dozen 14-karat gold pendants from a Beverly Hills jeweler featuring the letters "TCB" set around a lightning bolt. Designed as totems for the Memphis Mafia (and also for security issues), the symbol stands, in Elvis' words, for "Taking Care of Business in a Flash." They would eventually come to symbolize the '70s era for Presley.
    1970 - The film “Ned Kelly,” starring Mick Jagger in the lead role, is released and the critics wasted no time in telling Mick he should stick to singing. One reviewer wrote: "He looks about as lethal as last week's lettuce." Predictably, the movie bombed at the box office. 
    1973 - Elvis and Priscilla Presley divorced after six years and one child, Lisa Marie.
    1973 – President Nixon rejected an Appeals Court decision that he turn over the Watergate tapes.
    1974 - Billy Preston went to the top of the US singles chart with "Nothing from Nothing," the singer's second and final number one.
    1974 - Bachman-Turner Overdrive's “Not Fragile” hits #1
    1975 - Dickie Goodman had the best-selling single in the US with the novelty tune, "Mr. Jaws," which mixed his rapid-fire mock interviews with answers that were snipped from contemporary hit singles. Goodman first entered the US charts in 1956 when he and his partner Bill Buchanan used a similar format on a record called "The Flying Saucer."
    1975 - Top Hits
“Bad Blood” - Neil Sedaka
“Calypso/I'm Sorry” - John Denver
“Miracles” - Jefferson Starship
“Hope You're Feelin' Me (Like I'm Feelin' You)” - Charley Pri
    1981 - LA Dodger Rick Monday hit a two-out homer in the ninth inning, leading the Dodgers to a 2-1 win over the Montreal Expos in the 5th game of their championship series. The Dodgers would go on to win the World Series title against the Yankees.
    1981 - Martin Luther King, Jr. Library and Archives opens in Atlanta. Founded by Coretta Scott King, it is the largest repository in the world of primary resource material on King, nine major civil rights organizations, and the American civil rights movement.
    1983 - The United States Senate passed a bill making Martin Luther King's birthday a public holiday.
    1983 - Top Hits
“Total Eclipse of the Heart” - Bonnie Tyler
“Making Love Out of Nothing at All” - Air Supply
“Islands in the Stream” - Kenny Rogers & Dolly Parton
“Paradise Tonight” - Charly McClain & Mickey Gilley
    1985 - "Take on Me," by a-ha, hit number one on the pop music charts. The video for the song was in regular rotation at MTV. The group is the first from Norway to have a No. 1 hit in the United States.
    1986 - No. 1 Billboard Pop Hit: “True Colors,'' Cyndi Lauper.
    1987 - The worst stock crash in the history of the New York Stock Exchange occurred when the Dow Jones industrial average fell 508 points, closing at 1738.74, a decline of 22.6%, nearly double the decline in 1929 that ushered in the Great Depression. The volume of stocks traded, 604,330,000, was nearly twice the previous record of 338,500,000 set on October 16.  Computerized program trading and various factors in the national and international economy were blamed for the collapse of the market that had exhibited a case of the jitters in recent weeks. On October 23, the Dow Jones rose 102.27 points and trading set another new record for volume with 608,120,000 shares.  In spite of the gain, largely confined to blue chip issues, many more stocks fell than rose.  The Dow gained another 186 points the following day but dropped 77.42 points on October 22. The major markets set temporarily shorter hours in hopes of easing the tension, but on October 26, there was another drop of 158.83 points. After a short period of relative quiet, the Dow fell 5.052 on Nov 3, ending a five day
rally, and on Nov. 9 the average was down another 58.85 points, closing at 1900.20.
http://www.stocksatbottom.com/index2.html
    1981 - Though it yielded only one minor hit single in "Backfired," "Koo Koo," the solo album by Blondie's Deborah Harry, goes gold today.
    1989 - Record breaking snows fell across northern and central Indiana. Totals ranged up to 10.5 inches at Kokomo, and 9.3 inches was reported at Indianapolis. The 8.8 inch total at South Bend was a record for the month as a whole. Up to seven inches of snow fell in extreme southern Lower Michigan, and up to six inches fell in southwestern Ohio. The heavy wet snow downed many trees and power lines. Half the city of Cincinnati was without electricity during the morning hours. Temperatures dipped below freezing across much of the Great Plains Region. Twenty cities, including fourteen in Texas, reported record low temperatures for the date. North Platte, NE reported a record low of 11 degrees. In Florida, four cities reported record high temperatures for the date. The record high of 92 degrees at Miami also marked a record fourteen days of 90-degree weather in October, and 116 such days for the year.
    1991 - Top Hits
“Emotions” - Mariah Carey
“Do Anything” - Natural Selection
“Romantic” - Karyn White
“Keep It Between the Lines” - Ricky Van Shelton
    1998 - Microsoft and prosecutors for the U.S. Department of Justice and twenty states met in federal court. It was the beginning of the antitrust case against the Microsoft Corporation.
    2000 - Dusty Baker, who led the Giants to a National League West flag with baseball's best record (97-65), reaches agreement with the Giants on a two-year contract extension. The pact makes, the two-time National League Manager of the Year the second highest-paid skipper in the Majors.
    2005 - The Houston Astros earned the first World Series berth in the team's 44-year history with a 5-1 victory over the St. Louis Cardinals.  Houston lost to the Chicago White Sox in the Series.
    2006 - Rod Stewart's CD, "Still the Same...Great Rock Classics of Our Time," entered the Billboard Hot 200 album chart at #1.
    2008 – The Tampa Bay Devil Rays advanced to the World Series for the first time in franchise history, defeating the Red Sox, 3-1, in Game 7 of the ALCS.
    2009 - The international version of Amazon's Kindle 2 was released.
    2013 - JPMorgan Chase tentatively settled on paying $13 billion to the U.S. Department of Justice for its role in selling bad mortgage loans to investors, which added to the Subprime mortgage crisis and the ensuing Great Recession in 2008.

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