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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
   



Specializing in Equipment Financing since 1995”

 

We are expanding & seeking experienced

 

National Account Managers

 

60% Commission and Residuals.

Application Only programs to $200,000

No industry or geographic restrictions

Flexibility: work from regional office or home

 

Send resume to: Mike.Shaw@Alliancecap.com

 

Ranked #43 by INC 500

www.AllianceCap.com

 

Monday, December 5, 2016



Today's Equipment Leasing Headlines

Pictures from the Past ---2000
   Bruce Lurie/Jack Ryan
Position Wanted---Risk Management
  Seeking New Opportunities
Top Stories: November 28 - December 2
   (Opened Most by Readers)
Equipment Purchases: Cash or Financing?
   by Edward P. Kay, Access Commercial Capital
Leasing Industry Ads---Help Wanted
     Alliance Capital/Ascentium Capital
Are You Making Mistakes in Your Job Search?
    Career Crossroad---By Emily Fitzpatrick/RII
CLFP Foundation Announces 11 New CLFPs in November
  Now 391 CLFPs in Good Standing
CLFP Exec. Director Reid Raykovich, CLFP Asks
  “Help Make it 400 by the End of 2016”
Slight Decrease over Q2 2016 Employment
  ZRG Global Life Sciences Hiring Index
Leasing 102 by Mr. Terry Winders, CLFP
   Blanket Liens
Labrador Retriever/German Shorthaired Pointed
  Houston, Texas  Adopt-a-Dog
Leasing News Classified Ads
   Licensed Investigator
News Briefs---
Financial Technology to Seek Federal Bank Charters
  Sets Up Regulatory Issues as well as Usury Laws
Too Many Railcars, Too Little Freight
  Look Out
Radius Bank Announces Acquisition
    of Equipment Finance Division
First American Equipment Finance Makes Entrepreneur
 #6 Top Company Cultures
Bank of the Year: USAA
$1 gets transferred from checking into savings
Amazon Launches its Financial Services Competency
      for FinTech Startups

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

www.leasingcomplaints.com (Be Careful of Doing Business)
www.evergreenleasingnews.org
Leasing News Icon for Android Mobile Device 

You May have Missed---
  Baseball Poem
    Sports Briefs---
      California Nuts Brief---
       "Gimme that Wine"
          This Day in American History
         SuDoku
           Daily Puzzle
             GasBuddy
               Weather, USA or specific area
                 Traffic Live----

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

Working Capital from $10,0000 to $250,000                           ChannelPartnersCapital.com


Note: Migration to new web host will be Monday evening,
hopefully “live” Tuesday morning. News edition may need to be refreshed beginning Tuesday.

Please send a colleague and ask them to subscribe. We are free.
Email kitmenkin@leasingnews.org and in subject line: subscribe


[headlines]

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

Pictures from the Past ---2000
Bruce Lurie/Jack Ryan


It’s not all work and no play for Bruce Lurie and Jack Ryan of Douglas-Guardian.
2000 Spring Conference, San Francisco, California
United Association of Equipment Leasing Newsline, Fall Edition

Today




Bruce Lurie, President, Douglas-Guardian Services Corporation,
Houston, Texas.
An equipment inspection and collateral management firm
established in 1932.
(He has been on the Leasing News Advisory Board
since September 12, 2007.)
https://www.linkedin.com/in/bruce-lurie-75a9935

Jack Ryan
Senior Vice President,
Operations
Douglas-Guardian
(Has been with company since 1976)
https://www.linkedin.com/in/jack-ryan-b8129823

 


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


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

Position Wanted---Risk Management
  Seeking New Opportunities

Each Week Leasing News is pleased, as a service to its readership, to offer completely free ads placed by candidates for jobs in the industry. These ads also can be accessed directly on the website at: 
http://www.leasingnews.org/Classified/Jwanted/Jwanted.htm

Each ad is limited to (100) words and ads repeat for up to 6 months unless the candidate tells us to stop. Your submissions should be received here by the end of each week.

Please encourage friends and colleagues to take advantage of this service, including recent graduates and others interested in leasing and related careers.

Risk Management

Chicago, Illinois
Highly knowledgeable and analytical Equipment Leasing Executive; leveraging 25 years in Portfolio Management, Operations, Credit, and Collections within Banking environment and Commercial Equipment Leasing Industry; proven track record, developing/ implementing strategies, sound operational excellence and process improvement, while maximizing revenues and positioning organizations for greater success. wgriffith61@yahoo.com 
Resume

 

Please Click on Bulletin Board to learn more information
Leasing News provides this ad “gratis” as a meang
to help support the growth of Lease Police


[headlines]
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Top Stories: November 28 - December 2
(Opened Most by Readers)

(1) Inside Direct Capital and CIT Group
            by Christopher Menkin
http://leasingnews.org/archives/Dec2016/12_02.htm#inside

(2) Robert "Rob" Chandler
6/25/1948 - 11/23/2016
http://leasingnews.org/archives/Nov2016/11_28.htm#chandler

(3) CV Holdings Acquires Centra Leasing/4Hour Funding
 $10 Million Investment/$30 Million Facility in the Works
http://leasingnews.org/archives/Nov2016/11_30.htm#cv

(4) Dallin Hawkins Chapter 7 Bankruptcy Update
Is About to Walk Away From Debts and Judgements
http://leasingnews.org/archives/Nov2016/11_28.htm#hawkins

(5) The List---October, 2016
  The Good, the Bad, and the Ugly
http://leasingnews.org/archives/Nov2016/11_30.htm#list_oct

(6) New Hires/Promotions in the Leasing Business
             and Related Industries
http://leasingnews.org/archives/Dec2016/12_02.htm#hires

(7) Shakeup at CAN Capital by Sean Murray
– CEO and 2 other Execs Put on Leave of Absence
http://debanked.com/2016/11/shakeup-at-can-capital-ceo-and-2-other-execs-put-on-leave-of-absence/

(8) Sales Makes it Happen by Christopher Menkin
What can you learn from GreatAmerica Financial Services?
http://leasingnews.org/archives/Nov2016/11_30.htm#great

(9) Unemployed due to FinTech
  Career Crossroad---By Emily Fitzpatrick/RII
http://leasingnews.org/archives/Nov2016/11_28.htm#crossroad

(10) How long will it take to repair your credit?
        Aging of Bad Credit
http://leasingnews.org/archives/Nov2016/11_30.htm#how

 


 

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

 

Equipment Purchases: Cash or Financing?
by Edward P. Kay, Access Commercial Capital

For years, popular “money experts” have preached that you should “never buy with credit what you can buy with cash.” And while this is a nice sentiment, it is more of an ideal than an actual recommended business practice. Many of these experts have forgotten one of the most universal rules of business—that any debt, regardless of rate, is usually far cheaper than equity. Or put another way, that using someone else’s money to pay for something is generally more beneficial than using your own.

Here are a few reasons why financing is better than paying with cash:

  1. Equipment depreciates rapidly. Spending capital on something that is going to be worth less with every day that passes means you are stuck with useless equipment at the end of that equipment’s lifetime. Imagine you purchase a $50,000 asset that will be worth $35,000 in 3 years. If you paid cash, at the end of that period you’d have $50,000 equity in a $35,000 asset. Not a great investment. If you financed it, you’d only be paying for essentially what you have used of the asset, preserving capital and cash flows along way.
  1. Soft costs can add up fast. When purchasing a comprehensive equipment solution, soft costs like labor, installation, and maintenance are often not included in the sale price, which means you’re outlaying more cash initially than you would if you had decided to pay monthly for the same equipment.
  1. Upgrading equipment often can be expensive when paying with cash. When you outgrow your equipment, the burden of finding a new solution falls on you – the owner – and the process begins all over again. When you finance equipment solutions, you can easily upgrade your equipment, often for the same monthly payment, and not have to worry about purchasing new equipment.
  1. It’s easier to budget when you have a monthly payment. Paying cash outright for an expensive solution can mean that your operating expenses for that month, or year, are totally used up. This leaves no room for emergency spending and often times can eat away at reserve funds. When you make monthly payments, you can allocate the money you had previously budgeted into the operating expenses you need to address the most.

When cash reserves are nearly always plentiful and abundant, paying cash may have some merit as a solution. But who lives there? In a rapidly evolving, equipment-driven economy, being nimble and adaptable to the changing landscape is incredibly important. The ability to upgrade to new equipment quickly and easily, and budget properly are just a few reasons why financing equipment projects make more sense than paying with cash.


Edward P. Kaye
Co-Founder/Partner
Access Commercial Capital, LLC     
ekaye@accesscapital.biz       
516-444-3621 Direct Dial
(800)571-3900 Toll Free

 


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

NATIONWIDE SALES POSITIONS AVAILABLE

Healthcare, Commercial and Industrial


We are a premier small ticket and middle market full service equipment finance company. Our compensation programs are aggressive and include full insurance benefits, matching 401k, etc.

Positions are available for well experienced industry
professionals with an established book of business
originating equipment finance transactions.

Please email your resume to sschachtel@bankozarks.com
or call directly at 973-768-7501

Bank of the Ozarks was recognized as the top performing bank
in the United States, based on financial performance,
five years in a row, 2011-2015.
• Rated as “well capitalized” –
the highest available regulatory rating
• Publicly traded company on the
NASDAQ Global Select Market, symbol OZRK
• Headquartered in Little Rock, Arkansas
• Chartered in March 1903, a 111-year heritage

256 Offices, 18.5 billion in assets, second quarter
2016 net income of over 54 million

www.bankozarks.com/equipment

Bank of the Ozarks


We are an equal opportunity employer and give consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, sexual orientation, disability status, protected veteran status, or any other characteristic protected by federal, state, and local law. Member FDIC.



 


Specializing in Equipment Financing since 1995”

 

We are expanding & seeking experienced

 

National Account Managers

 

60% Commission and Residuals.

Application Only programs to $200,000

No industry or geographic restrictions

Flexibility: work from regional office or home

 

Send resume to: Mike.Shaw@Alliancecap.com

 

Ranked #43 by INC 500

www.AllianceCap.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]
--------------------------------------------------------------

Are You Making Mistakes in Your Job Search?
Career Crossroad---By Emily Fitzpatrick/RII

Note, that if you have been in the market for a new position, do not discontinue your search just because of the holiday season. The end of year is a GREAT time to be looking for a new role/employer.  If you have been searching a new role for some time and have not been successful in your quest, you may be going about it incorrectly.

I. Do not just look for a job; look for a career: Just because you do not see a job posted, does not mean it does not exist.

II. Make sure to target your job search: Spend time thinking about where you want to work, what you want to do and how to get there.

III. Don’t confuse activity with action: If currently employed, spend at least an hour a day on your job search; if unemployed, treat your search as a full-time job. Make sure to spend your time on high-value tasks, e.g. company research.

IV. Doing the same thing repeatedly and expecting different results: If you applied for multiple jobs (over 3) and have not heard anything back, something is wrong. The best action is to consult with a professional or try something new.

V. People hire people: Technology is a requirement in today’s job market but connecting to the right people can make a difference between getting hired and not even getting a response to your application

VI. Don’t get frustrated: The average time for a job search has increased over the past few years: “… the hiring process is three weeks or longer. Don’t be discouraged if it takes days or weeks to receive feedback. Working with a Recruiter will typically shorten this time frame.

VII. Not engaging professionals to assist in your quest: Be smart, utilize a career navigator to help you along with the way, e.g. a Resume Writer, Career Consultant, Recruiter, etc. If you are serious in your next career move, why would you go it alone?

VIII. Badmouthing current or previous employers or colleagues: Never say anything negative to your interviewer about previous or current jobs, colleagues, supervisors, managers, etc. If asked why you are looking for a new role, respond in a positive manner, e.g. “I am seeking to utilize my experience in a new setting and your opportunity seemed like one I could not pass up.” Note this includes using social media to vent your grievances – just don’t! 

There are many other topics you may be approaching incorrectly. Feel free to reach out to me for assistance at emily@riirecruit.com

I also suggest doubling your efforts during the holiday season. If you do not have the time, engage a Career Consultant or Recruiter.

Emily Fitzpatrick
Sr. Recruiter
Recruiters International, Inc.
Phone:  954-885-9241
Cell:  954-612-0567
emily@riirecruit.com
www.riicareer.com
Invite me to Connect on LinkedIn
www.linkedin.com/pub/emily-fitzpatrick/4/671/76
Also follow us on Twitter #RIIINFO
https://www.pinterest.com/recruitersinter/rii-career-services


Career Crossroads Previous Columns
http://www.leasingnews.org/Conscious-Top%20Stories/crossroad.html

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

 

CLFP Foundation Announces 11 New CLFPs in November
Now 391 CLFPs in Good Standing

The Certified Lease & Finance Professional (CLFP) Foundation is pleased to announce that 11 individuals who recently sat through the 8-hour online CLFP exam have passed – 9 attended the Academy for Lease and Finance Professionals (ALFP) in Denver, hosted by BSB Leasing in early November.  The newest CLFPs are:


Beth Blumenthal, CLFP
Vice President
Commerce Bank,


Rebecca Drake, CLFP
Assistant Vice President
Equipment Finance Officer


John Germaske, CLFP
Vice President
First American Equipment Finance


Ron Gonzales, CLFP
Chief Operating Officer
BSB Leasing, Inc.


Katharine Harris, CLFP
Documentation Manager
GSG Financial, LLC


Thomas Hotard, CLFP
Contract Administrator
Commerce Bank


Judi Jenkins, CLFP
President
Global Financial & Leasing Service


Rob Mater, CLFP
Assistant Vice President, Sales
1st Source Bank


Kendra Rothschild
Controller
Quality Leasing Co., Inc.


Spencer Sundahl, CLFP
National Account Manager
BSB Leasing, Inc. 


Kevin Vick, CLFP
President
Commercial Fleet Financing, Inc.,

Mr. Vick recently left his job to start his own company and stated, “Upon learning about the CLFP designation, I knew it was something I wanted to attain, so I ordered the handbook, paid for the academy and test, and booked my flight and hotel that same day; two and a half months later I was testing.  I chose to participate in the CLFP program because this industry is complex, and furthering my education whenever possible makes good sense.  The CLFP program has taken my knowledge base to an entirely new level, giving me in-depth understanding of different laws, rules and programs that are essential to understand if we’re to be a consultant to the client, and earn the trust of the companies we work with.

The CLFP designation identifies an individual as a knowledgeable professional to employers, clients, customers, and peers in the equipment finance industry. There are currently 391 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]
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CLFP Exec. Director Reid Raykovich, CLFP Asks
“Help Make it 400 by the End of 2016”


Reid Raykovich, CLFP
Executive Director
CLFP Foundation

"Contact me and I'll work with you to schedule a proctor and answer any questions you may have!"

(206) 535-6045
E-mail: reid@clfpfoundation.org

The Certified Lease & Finance Professional (CLFP) Foundation has had its best year for the fourth straight year since being founded in 2000 and here's your opportunity to make history with us!  Currently there are 391 CLFPs in Good Standing and we want to reach 400 by the end of 2016.  If you've considered becoming a CLFP, why not schedule your exam prior to December 30, 2016 and finalize the process of becoming one of the industry's elite? 

Need some more motivation?
Act today before the test changes in 2017!

 Reid Raykovich told Leasing News, "It's amazing that we're getting close to selling out the Minneapolis CLFP Leasing Academy!  There's only 5 spots left, and we're almost 3 months out!"

Minneapolis, Minnesota
February 23, 2017 through February 25

Atlanta, Georgia
March 23, 2017 through March 25, 2017

Northbrook, Illinois
May 4, 2017 through May 6, 2017

Walnut Creek, California
(San Francisco Area)
June 22, 2017 through June 24, 2017

Students are strongly advised to have read and studied The Certified Lease & Finance Professionals' Handbook prior to attending the class in order to ensure success

http://www.clfpfoundation.org/toolbox/clfp_handbook.php.

The cost to attend the class is $600 and the cost of the exam is $695.  When purchased together, the total is discounted to $1250. Current CLFPs are offered a discounted price of $395 and class attendance satisfies the Recertification requirement. To register, please contact us: reid@CLFPfoundation.org or (206) 535-6281.


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

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

Slight Decrease over Q2 2016 Employment
ZRG Global Life Sciences Hiring Index

ZRG Partners has announced the findings for the third quarter Global Life Sciences Hiring Index. Despite posting a slight decrease over Q2 2016, the index levels posted their second highest hiring levels on record.

Q3 hiring regional has shown the most growth year-over-year in the EMEA region, posting 50% increase over the same period last year. Outsourcing/Services carried the majority of the EMEA growth for Q3 2016, and posted only sector increase for this quarter.


ZRG European President and Global Practice Head of Life Sciences, Adam El Din commented, “The life science industry continues to be an engine for job creation at all levels of education and across multiple disciplines, with particular need for entry level technicians and managers with advanced experience, especially in regulatory and compliance functions. The importance given by industry strategic leaders to soft skills was somewhat surprising. Leaders spoke about the needs for candidates who can apply their skills to real world situations, who have strong written and oral communications skills, and who have a market-based mindset vs. an academic mindset.”


David Fortier, Managing Director, Global Life Sciences, ZRG Partners, added, “Given the uncertainty introduced by a U.S. presidential election and continued austerity measures in other parts of the world, it is good to see continued robustness in hiring across most sectors and functions. Another positive indicator for the industry is the continued investment in R&D. This commitment to innovation is a longer-term boost to the industry.”

About ZRG Partners
ZRG Partners, LLC is a global authority on talent management in the Life Sciences, Pharmaceutical and Medical Device markets. ZRG provides its clients with specialized global market expertise in executive recruitment, consulting and advisory work with a focus on data and analytics to drive great business decisions.

The Global Life Sciences Hiring Index analysis utilizes a proprietary algorithm that looks at hiring within selected benchmark companies in three distinct segments. The companies in the index generate over $630 billion in revenues and employ over 1.5 million people globally. ZRG Partners conducts extensive direct market research in developing the data that drives the Index.
For more information about ZRG visit www.zrgpartners.com.

Full ZRG Partners Global Hiring Index with charts (2 pages)
http://leasingnews.org/PDF/ZRGGlobalReport2016.pdf

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


[headlines]
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Blanket Liens

 

Article 9 of the UCC requires the lender to file a financing statement (UCC1) on any collateral taken as security for a loan. This financing statement must be filed in the State where the customer has filed its charter papers. For instance, corporations like to file their corporate papers in Delaware because of the favorable tax laws and limited liability companies like to file in Nevada because of favorable treatment.

However, you must discover the State in which they have filed there charter papers and file in that State. Lessors are allowed to file financing statements on leases without fear that the filing may be used as evidence that we made a loan instead of a lease (Article 9-505).

In addition to a specific filing on equipment, a blanket lien is a financing statement on all of the currently owned assets of a loan customer plus any after acquired assets. This filing poses many problems for leasing. The first problem comes from a customer who takes title on a purchase of equipment and then proceeds to request a lease. If the leasing company purchases the assets from the customer in a sale-lease-back arrangement (even if it is within a few days of the original purchase), the equipment falls under the blanket lien of the lender and title is encumbered.

Therefore, the customer cannot pass clear title. Prior to arranging to pay a customer for these new assets, you must run a UCC search to determine any blanket lien holders and obtain lien releases from them or you are a secondary or worse lien holder should there be a default. Next, there is a possibility that the sales tax authority may require a second sales tax due to the passing of title for the second time. Some States will allow that the Sales tax was paid but not most. So be sure you check the sales tax requirements in the State that the transaction is consummated. If at all possible, try and have the deal unwound through the dealer and pay the vendor to create clear title.

If a blanket lien exists, in order to have priority over the blanket lien holder, a lessor must file a purchase money security interest (PMSI) within twenty days of the lessee takes possession of the first piece of the equipment. There is only a "too late" but there is not a "too early" so file your liens as soon as possible.

On many bargain purchase option leases where a filing of a financing statement is critical, I am beginning to see Lessors include blanket liens in the master lease to add additional collateral on weak deals. The recommended language states:

"To secure payment of all amounts due to Lessor under each Schedule and all other agreements Lessee has with Lessor, to the extent permitted by law, Lessee hereby grants to Lessor a lien on all now owned or hereafter acquired or arising accounts, payment intangibles, instruments and other rights to receive payments of Lessee, (ii) all general intangibles (including without limitation, contract rights and intellectual property), chattel paper, documents, supporting obligations, inventory, equipment, letter of credit rights, commercial tort claims, investment property, rights, remedies, guarantees and collateral evidencing, securing or otherwise relating to or associated with the foregoing, including without limitation all rights of enforcement and collection.”

However, including this language in a true lease would just be one more item that proves the real intent of the lessor was to act as a lender. The filing of financing statements covers a lot of issues so make yourself aware of the requirements and the purpose so that you understand the real value and consequences of this Article 9 requirement.

Previous #102 Columns:
http://www.leasingnews.org/Conscious-Top%20Stories/Leasing_102/Index.htm

 

[headlines]
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Labrador Retriever/German Shorthaired Pointed
Houston, Texas  Adopt-a-Dog



Rocco
#A1297436

"I am a neutered male, black and white Labrador Retriever and German Shorthaired Pointer.

"The shelter staff thinks I am about 2 years and 2 months old.

"I have been at the shelter since Nov 08, 2016.

Shelter Staff made the following comments about this animal:
"Talk about handsome! Check out this sweet boy. He'll warm up to you in no time. He loves being around people and walks great on a leash. And he prefers to do his business outside. Come check out this guy and you'll see how wonderful he is. He does have heartworms but it's curable! He just needs a little TLC! Please see a BARC representative for more information on this."

For more information about this animal, call:
BARC Animal Shelter & Adoptions at (713) 229-7300
Ask for information about animal ID number A1297436

Adoption Process:
http://www.houstontx.gov/barc/about_adopting_at_barc.html

City of Houston's
Animal Shelter and Adoption Facility
BARC
3200 Carr Street
Houston, Texas 99026
barcadoptions@houstontx.gov

Hours, Monday through Sunday
Noon - 5:30pm

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

 

[headlines]
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Licensed Investigator

Irvine, CA - Consulting and Investigations Operation Lease Fleece Case Agent, 20 year FBI fraud/white collar crime investigator,
10 year USMC Officer-pilot.
Calif. Private Investigator License #29005
Email: PaulBonin@cox.net 
Mobile: 949-713-9601

Los Angeles - Licensed Private Investigators, specializing Collateral Recovery Field Investigation for the Lending industry since 1998 - Our clients include Banks, Credit Unions, Automotive and Equipment Lenders. 
JohnHarmonPI@aol.com

Midwest
Collections, Investigations & Asset
Tierra Investigations & Consultants, LLC. Commercial collections, repossessions, bankruptcy fraud, theft & conversion claims.  
605-647-1700 
Fax 605-647-0534
troy@tierrainv.com

 

 


Sometimes Growing Your Profits
Means Thinking Out of the Box

Receivables Management LLC has built their reputation spanning two decades with unmatched Professionalism, Honesty, Integrity and the ability to earn its Equipment Leasing clients an average of 30% on residual income

• End of Lease Negotiations & Enforcement
• Third-Party Commercial Collections

john@jkrmdirect.com | ph 315-866-1167
www.jkrmdirect.com

 

[headlines]
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News Briefs----

Financial Technology to Seek Federal Bank Charters
  Sets Up Regulatory Issues as well as Usury Laws
http://www.latimes.com/business/la-fi-fintech-charters-20161202-story.html

Too Many Railcars, Too Little Freight
  Look Out
http://www.wsj.com/articles/too-many-railcars-too-little-freight-1480690819

Radius Bank Announces Acquisition
    of Equipment Finance Division
http://www.marketwired.com/press-release/radius-bank-announces-acquisition-of-equipment-finance-division-2180376.htm

First American Equipment Finance Makes Entrepreneur
 #6 Top Company Cultures
https://www.entrepreneur.com/article/252327

Bank of the Year: USAA
$1 gets transferred from checking into savings
http://www.americanbanker.com/news/national-regional/bank-of-the-year-usaa-1092204-1.html

Amazon Launches its Financial Services Competency
      for FinTech Startups
https://www.cryptocoinsnews.com/amazon-launches-financial-services-competency-fintech-startups/

 

[headlines]
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--You May Have Missed It

Medical Firms Wanting to Take on New Physicians
  Should Consider Leasing or Finance
http://medicaleconomics.modernmedicine.com/medical-economics/news/buying-versus-leasing-how-make-right-choice


[headlines]
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American Football Poem

Robert William Service -

Carry On

It's easy to fight when everything's right, 
     And you're mad with the thrill and the glory; 
It's easy to cheer when victory's near, 
     And wallow in fields that are gory. 
It's a different song when everything's wrong, 
     When you're feeling infernally mortal; 
When it's ten against one, and hope there is none, 
     Buck up, little soldier, and chortle:

Carry on! Carry on! There isn't much punch in your blow. 
You're glaring and staring and hitting out blind; 
You're muddy and bloody, but never you mind. 
Carry on! Carry on! 
You haven't the ghost of a show. 
It's looking like death, but while you've a breath, 
Carry on, my son! Carry on!

And so in the strife of the battle of life 
     It's easy to fight when you're winning; 
It's easy to slave, and starve and be brave, 
     When the dawn of success is beginning. 
But the man who can meet despair and defeat 
     With a cheer, there's the man of God's choosing; 
The man who can fight to Heaven's own height 
     Is the man who can fight when he's losing.

Carry on! Carry on! 
Things never were looming so black. 
But show that you haven't a cowardly streak, 
And though you're unlucky you never are weak. 
Carry on! Carry on! 
Brace up for another attack. 
It's looking like hell, but -- you never can tell: 
Carry on, old man! Carry on!

There are some who drift out in the deserts of doubt, 
     And some who in brutishness wallow; 
There are others, I know, who in piety go 
     Because of a Heaven to follow. 
But to labour with zest, and to give of your best, 
     For the sweetness and joy of the giving; 
To help folks along with a hand and a song; 
     Why, there's the real sunshine of living.

Carry on! Carry on! 
Fight the good fight and true; 
Believe in your mission, greet life with a cheer; 
There's big work to do, and that's why you are here. 
Carry on! Carry on! 
Let the world be the better for you; 
And at last when you die, let this be your cry: 
Carry on, my soul! Carry on!

 


[headlines]

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Sports Briefs----

Kenyan Nelson Oyugi wins California International Marathon
http://www.sacbee.com/sports/outdoors/article118810978.html

Tom Brady surpasses Peyton Manning, sets NFL record with 201 career wins
http://patriotswire.usatoday.com/2016/12/04/tom-brady-surpasses-peyton-manning-sets-nfl-record-with-201-career-wins/

Hard to believe Orange Bowl is a consolation prize for Michigan
https://www.yahoo.com/news/m/6740743a-2a29-3091-b4b9-cea52b008ea2/ss_windsor%3A-hard-to-believe.html

Eric Berry leads Chiefs in thrilling 29-28 win over Falcons
https://www.yahoo.com/news/m/57b7dfd1-4d53-36bd-8abc-acecf9dc69f1/ss_eric-berry-leads-chiefs-in.html

Giants kiss NFC East goodbye as high-powered offense goes MIA
http://nypost.com/2016/12/04/giants-kiss-nfc-east-goodbye-as-high-powered-offense-goes-mia/

Raiders rally again, beat Buffalo Bills 38-24 for sixth straight win
http://www.eastbaytimes.com/2016/12/04/raiders-rally-again-beat-buffalo-bills-38-24-for-sixth-straight-win/

NFL Scores
http://www.nytimes.com/2016/12/04/sports/nfl-scores-schedule-patriots.html

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California Nuts Briefs---

Ed Lee hoping to cut some ribbons for legacy projects
http://www.sfchronicle.com/bayarea/matier-ross/article/Ed-Lee-hoping-to-cut-some-ribbons-for-legacy-10689538.php?cmpid=gatehp


[headlines]
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“Gimme that Wine”

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

TTB Proposes New Grape Variety Names
http://www.winesandvines.com/template.cfm?section=news&content=177345

John Lennon Appointed Interim President
     and CEO of C. Mondavi & Family
http://www.businesswire.com/news/home/20161202005148/en/John-Lennon-Appointed-Interim-President-CEO-C.

Top Ten Wines of 2016, according to Wine Spectator
   -Lewis 1913 Cab #1
http://top100.winespectator.com/

Sonoma County wineries ponder possibility
    of pairing with cannabis industry
http://www.pressdemocrat.com/business/6376893-181/sonoma-county-wineries-ponder-possibility?artslide=0


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

       1492 - Christopher Columbus discovered Haiti at the end of his first voyage (he never discovered the mainland, which was discovered earlier by several others including the Vikings, Chinese, and Africans (who also were the first to discover South America from a foreign land).) Here Columbus made slaves of all the natives, shipping as many as he could to Europe in his following four voyages. Fifty years later the natives were wiped out by the thousands when Spanish armies came to Haiti in search of gold.  The Spanish were succeeded by the French, who brought slaves from Africa to work the plantations. In one of history most glorious struggles for independence, Haiti became the first black Republic in the world when it became a free country in 1804. American slaves would escape here, and to “free” states, which eventually brought on the Civil War as more “free” states were joining the union, such as Oregon, and territories were being formed in the North West.
www.haitiimpact.com/haitimarvelous.htm
http://www.amazon.com/exec/obidos/tg/detail/-/1565840089/ref=pd_thx_recs_2/
102-1682336-8966565?v=glance

    1496 - Jews are expelled from Portugal by order of King Manuel I. The new world would be a land of free religion for all, but how to get there, via South America.
    1775 - At Fort Ticonderoga, Henry Knox, begins his historic transport of artillery to Cambridge, MA.  As the siege at Lexington and Concord wore on, the idea arose that cannon recently captured at the fall of forts Ticonderoga and Crown Point in upstate New York could have a decisive impact on its outcome. Knox is generally credited with suggesting the prospect to Washington, who thereupon put him in charge of an expedition to retrieve them even though Knox's commission had not yet arrived.  Reaching Ticonderoga on December 5, Knox commenced what came to be known as the noble train of artillery, hauling by ox-drawn sled 60 tons of cannon and other armaments across some 300 miles of ice-covered rivers and snow-draped Berkshire Mountains to the Boston siege camps.
    1776 - Phi Beta Kappa fraternity was founded at The College of William and Mary, Virginia.
http://memory.loc.gov/ammem/today/dec05.html
    1782 - Martin Van Buren's (d. 1862) birthday, eighth president of the United States (1837-1841), at Kinderhook, NY.   He was the first president to have been born a citizen. His term saw many troubles from bank and business failures, depression and unemployment.   In 1837, Van Buren succeeded Andrew Jackson in the White House. Three months later, the Panic of 1837 sent the national economy into a tailspin. Van Buren's inability to alleviate the depression, along with his opposition to the annexation of Texas on grounds it would lead to expansion of slavery, led to his drubbing by Whig candidate William Henry Harrison in 1840. He retired to Lindenwald, his Kinderhook estate, where he died.
(Lower half of: http://memory.loc.gov/ammem/today/dec05.html )    1787 - Shays' Rebellion: Daniel Shays of Pelham, MA, organized a group of farmers whose land had been seized and their neighbor and friends into an armed force that overthrew courts and committed other acts of violence. They were protesting the depreciation of paper money, the insistence of creditors on being paid in silver money, the imprisonment of debtors, and the seizure of farmland to pay off debts. Following the Revolutionary War, the United States faced severe economic hardships. One reason, in addition to war debt, was that the new nation was cut off from the commercial ties of the British Empire. Especially hard hit was Massachusetts because England cut off trade between the United States and the British West Indies. This severely harmed several businesses of that state such as shipbuilding, distilling, and lumber, which depended on the West Indies trade. Because of the economic hard times in Massachusetts, many farms heavily in debt were seized by their creditors and often sold for a fraction of their value. The farmers and working men of Massachusetts who were unable to pay their debts were sent to debtor prisons and would not be released until their debts were paid. The state legislature of Massachusetts responded to this economic crisis in a very inadequate manner such as increasing court costs and raising taxes. On this day, the “rebels” seized Worcester, Massachusetts, and were attempting to have others join them in the overthrowing of the government. They were also raiding homes, stealing food, clothing, and whatever valuables they could lay their hands upon. By February 1787, however, they were completely routed. The rebels were captured and sentenced to death for treason, but they were later pardoned.
http://www.politicalresource.net/shay's_rebellion.html
http://mumbet.com/html/shay.html
    1792 - George Washington was reelected president of the United States. John Adams was elected vice president. The electoral vote was Washington, 132, Adams, Federalist of Massachusetts, 77; George Clinton, anti-Federalist of New York, 50. In those days, the person who came in second was vice-president. The third Congress consisted of 30 senators of whom 17 were Federalist and 13 Democratic-Republicans. In the House, the count was 57 Democratic-Republicans and 48 Federalists.
    1804 - Thomas Jefferson was reelected president of the United Sates. George Clinton, first governor of New York and like Jefferson, a Democratic-Republican, was elected vice president. The electoral vote was Jefferson, 162; Charles C. Pinckney, Federalist of South Carolina, 14. This was the first election with separate ballots for president and vice president.
    1822 – The founder of Radcliffe College, Elizabeth Cabot Agassiz (d. 1907), was born in Boston.  Agassiz was essential in ensuring that the "Harvard Annex" for women's education was transformed in 1894 from Harvard University into Radcliffe.
    1831 – Former President John Quincy Adams takes his seat in the House of Representatives.
    1832 - Andrew Jackson was re-elected President by 687,502 popular votes and 219 electoral votes against 530,189 popular votes and 49 electoral votes for Henry Clay. Martin Van Buren was elected Vice-President
    1839 – Birthday of General George Armstrong Custer (d. 1876) at New Rumley, Ohio. Although he was considered a Civil War hero, in 1867, he was court-martialed for not following orders or taking care of his men or following orders to protect farms. He had left his fort to visit his wife 275 miles away, who he had not seen for quite some time. Being the general in charge, he had the authority to do this, and did not pursue a group of Indians along the way, due to lack of information, including size and direction. He claimed he was being made a scapegoat for a failed campaign and General Sheridan later re-appointed him. He quickly redeemed himself.  Ulysses S. Grant was so infuriated with Custer's activity that he demoted him. Custer was popular among battle officers and was later re-instated to lead further activities against “hostile Indians.” While reportedly not popular with his men or other military, he was a fighter who was known to charge into battle with simple plans, which was his modus operandi. It is said that in his final battle, at Little Bighorn, June 25, 1876, one of his captains hesitated in the attack, delaying another, leaving Custer to attack with only half of his troops and leaving a hole for the Indians to escape.  They eventually surrounded the small force in sheer numbers, even though many did not have fire arms. The death of he and his 210 men became a war cry to “kill all the Indians” as the country moved further west.
http://www.civilwarhome.com/custerbi.htm
http://www.pbs.org/weta/thewest/people/a_c/custer.htm
http://www.garryowen.com/
    1843 - The Navy launched is first iron side wheel steamer, the “Michigan,” Erie, PA.
http://www.cogulus.com/archimedes/illustrations/1844_michigan.jpg
http://www.greatwhitefleet.org/michigan/01/history.htm
    1847 - Jefferson Davis first takes his seat in the Senate.
    1848 - President Polk triggers Gold Rush of '49, confirming California gold discovery. News of the discovery of gold in California in January was slow in reaching the East. Word of it first appeared in the New York Herald on August 19, but no great excitement was created until President James. K. Polk expressed enthusiasm about it in his message to Congress. The rush began by land across the continent and by sea and land via the Isthmus of Panama. The first shipload of prospectors arrived in San Francisco via Cape Horn on February 28, 1849. About 80,000 people made their way to California in 1849, 55,000 over land and 25,000 by sea. About 5000 that started out overland never made it because Asiatic cholera swept their ranks. By the end of 1848, gold worth $10,000,000,000 had been mined.
    1861 - The Gatling gun was invented.
    1862 - Battle of Coffeeville MS.  By November 1862, Northern Mississippi was securely in the hands of the Union. General Grant began the Mississippi Central Railroad Campaign, an overland push (following the main rail line through the heart of Mississippi, capturing the towns and rail along the way) into Mississippi with the goal of capturing Vicksburg in conjunction with General Sherman, who would follow the river route South.  After being defeated at Corinth, the Confederate Army of West Tennessee was on the retreat. At the battle of Hatchie’s Bridge, they successfully evaded the army's capture by the Union. The Confederate army kept falling back through Oxford and Coffeeville, constantly skirmishing with pursuing Union cavalry, who were ahead of Grant's column.
http://www.angelfire.com/ms2/grantshilohvicksburg/
TheBattleofCoffeeville.html

http://www4.pair.com/justfolk/Diary103.htm
    1865 - In the wake of the Civil War, fiscal conservatives attempted to curtail the use of greenbacks, paper money minted to support the Union. The drive to end greenbacks got a boost on December 5, 1865 when Treasury Secretary Hugh McCulloch made a plea for the currency to be discontinued. However, proponents of greenbacks kept the currency flowing into the 1870s.
    1870 - Birthday of Bill Pickett (d. 1932), rodeo cowboy, at Williamson County, Texas. Inventor of bulldogging, the modern rodeo event that involves wrestling a running steer to the ground.
    1876 - President Ulysses S. Grant delivered his speech today, apologizing to Congress, claiming mistakes he made while he was president were due to his inexperience. His errors, he said, were "errors of judgment, not intent." While Grant's personal integrity was never formally questioned, he was closely associated with many government scandals which became public during his presidency. The scandals included at attempt to corner the gold market, significant fraud in the Treasury Department and Indian Service. His term in office had many other “scandals” and was full of wide-spread corruption, particularly from cabinet members and other “financial” supporters.
    1876 – A fire at the Brooklyn Theatre kills at least 278 people.
    1879 – The first automatic telephone switching system was patented.
    1894 - Birthday of Phillip Knight Wrigley (d. 1977), baseball executive, born at Chicago, IL. Wrigley inherited the Chicago Cubs upon his father's death in 1932. He and his family owned the team for 60 years until selling it to the Tribune Company in 1981.
    1901 - Birthday of Walt Disney (d. 1966), Chicago. A prominent figure within the animation industry, he is regarded as a cultural icon, known for his influence and contributions to entertainment during the 20th century.   Disney was particularly noted as a filmmaker and a popular showman, as well as an innovator in animation and theme park design. He and his staff created iconic and enduring fictional characters including Mickey Mouse, Donald Duck, and Goofy. Disney himself was the original voice for Mickey. During his lifetime, he received four honorary Academy awards and won 22 Academy Awards from a total of 59 nominations, including a record of four in one year, giving him more awards and nominations than any other individual in history. Disney also won seven Emmy Awards.  He personally supervised the building of Disneyland, living on the premise, visiting the only night event, sometimes with Ward Kimball, as Dixieland was played there (one of my high school jobs was playing clarinet and bass sax during the off nights, the week, and he was a frequent visitor with his own glass---as the bar only served beer.)
    1902 – Strom Thurmond was born James Strom Thurmond (d. 2003) at Edgefield, SC.  In 1954, Thurmond won overwhelmingly, becoming the first person to be elected to the US Senate as a write-in candidate against ballot-listed opponents. In 1956, Thurmond resigned to run in the party primary, which he won. Afterward, he was repeatedly elected to the US Senate by state voters until his retirement 46 years later.  Thurmond supported racial segregation throughout much of his career. He wrote the first version of the Southern Manifesto, announcing southern disagreement with the 1954 Supreme Court decision in Brown v. Board of Education, which ruled that public school segregation was unconstitutional.  In an unsuccessful attempt to derail passage of the Civil Rights Act of 1957, Thurmond made the longest filibuster ever conducted by a single senator, speaking for a total of 24 hours and 18 minutes. 
    1906 – Otto Preminger (d. 1986) was born in Austria-Hungary, now Ukraine.  Preminger was a renowned theatre and film director.  After moving to Hollywood, he directed over 35 films. He first gained attention for “Laura” (1944) and “Fallen Angel” (1945) while in the 1950s and '60s, he directed a number of high-profile adaptations of popular novels and stage works. Several of these later films pushed the boundaries of censorship by dealing with topics which were then taboo in Hollywood, such as drugs (“The Man with the Golden Arm”, 1955), rape (“Anatomy of a Murder”, 1959) and homosexuality (“Advise and Consent”, 1962). He was twice nominated for the Academy Award for Best Director. He also had a few acting roles. 
    1908 – For the first time, numerals are used on football jerseys by the University of Pittsburgh.
    1912 - Marshall Royal’s (d. 1995) birthday into a musical family in Oklahoma.  He was lead altoist and band manager for Count Basie with whom he worked for 20 years. 
http://www.netstoreusa.com/mubooks/030/0304338362.shtml
    1916 - Sneakers with rubber soles and plain cloth uppers were sold from the early 1870s by Charles Goodyear of New York City, who de­veloped the vulcanized rubber shoe sole, and by many other footwear companies. The first brand of sneakers was Keds, introduced this day in 1916 by the United States Rubber Company, the successor to Goodyear's shoe company. The first Keds had black soles and high-top brown canvas uppers, mimicking leather shoes. The name was a combination of “kids” and ”ped,”the Latin word for “foot.”
    1920 -  Kay Davis was born Katherine McDonald Wimp (d. 2012) in Evanston, IL.   She was with Duke Ellington in the 1940's and she is best known for her wordless vocals in pieces such as "Transblucency" and "On a Turquoise Cloud". She also sang many pieces with lyrics. She is the only person Ellington allowed to reprise Adelaide Hall’s famous wordless vocal on "Creole Love Call." Her tenure in Ellington's band coincided with their increasing exposure on film.  http://www.parabrisas.com/d_davisk.html
    1920 – Prior to the formation of the NFL, a championship game between Akron and Buffalo ended in a scoreless tie and no winner was declared.
    1929 - Three men organized the American League for Physical Culture in New York City, the first nudist organization.
http://www.bareworks.com/history.htm
    1932 – Scientist Albert Einstein is granted a visa to visit the US.
    1933 - Prohibition ended with the repeal of the Eighteenth Amendment, as the Twenty-First Amendment was ratified. When Utah voted for the 21st Amendment the vote reached the 75% of the states required to amend the constitution.  Actually during this period, hospital and other records of alcoholism went down. There were considerably less accidents and deaths caused by drunk driving, and crime was more related to “lack of money” and the Depression than drinking. The law did not allow the transportation or making of alcoholic drinks, but private clubs and many restaurants had a long supply (and were able to purchase without the federal or sales tax, actually at a lower cost when the government was regulating it.) The grape industry suffered; however, individuals were allowed to make up to 300 gallons a year, plus beer, which created many home wine and beer makers which you legally can do today.
    1934 - American educator Mary McLeod Bethune founds National Council of Negro Women.
http://www.nps.gov/mamc/
http://www.whitehouse.gov/kids/dreamteam/marybethune.html
http://www.nahc.org/NAHC/Val/Columns/SC10-6.html
    1934 - Birthday of bass player Art Davis (d. 2007), Harrisburg, PA
http://www.artdavis.com/
    1934 - Birthday of Joan Didion in Sacramento, CA.   Her novels and essays explore the disintegration of American morals and cultural chaos, where the overriding theme is individual and social fragmentation. A sense of anxiety or dread permeates much of her work.   Best known for “The White Album” (1979), “A Book of Common Prayer” (1977) and “Play It as It Lays.”
    1935 - Birthday of early rock ’n’ roller “Little Richard” Penniman, singer, songwriter, at Macon, GA.  Penniman has been honored by many institutions, including inductions into the Rock and Roll Hall of Fame and the Songwriters Hall of Fame. He is the recipient of Lifetime Achievement Awards from The Recording Academy and the Rhythm and Blues Foundation. Penniman's "Tutti Frutti" (1955) was included in the Library of Congress' National Recording Registry in 2010, claiming the "unique vocalizing over the irresistible beat announced a new era in music."
http://www.history-of-rock.com/richard.htm
http://www.little-richard.com/
http://www.littlerichard.com/
    1936 - Bing Crosby took over as host of "The Kraft Music Hall." Jimmy Dorsey (who would later be host himself) led the Kraft Orchestra.
    1941 - Lexington, one of the two largest aircraft carriers employed by the United States during World War II, started its way across the Pacific in order to carry a squadron of dive bombers to defend Midway Island from an anticipated Japanese attack. Negotiations between the United States and Japan had been ongoing for months. Japan wanted an end to U.S. economic sanctions. The Americans wanted Japan out of China and Southeast Asia and Japan to repudiate the Tripartite "Axis" Pact with Germany and Italy before those sanctions could be lifted. Neither side was budging. President Roosevelt and Secretary of State Cordell Hull were anticipating a Japanese strike as retaliation-they just didn't know where. The Philippines, Wake Island, Midway Island-all were possibilities. American intelligence reports had sighted the Japanese fleet movement out from Formosa (Taiwan), apparently headed for Indochina. The U.S. State Department demanded from Japanese envoys explanations for the fleet movement across the South China Sea. The envoys claimed ignorance. Army intelligence reassured the president that, despite fears, Japan was most likely headed for Thailand not the United States. Lexingtonnever made it to Midway Island.  When it learned that the Japanese fleet had, in fact, attacked Pearl Harbor, it turned back without encountering a Japanese warship en route or deploying a single aircraft. By the time it reached Hawaii, it was December 13.
    1944 - McWHORTER, WILLIAM A., Medal of Honor
Rank and organization: Private First Class, U.S. Army, Company M, 126th Infantry, 32d Infantry Division. Place and date: Leyte, Philippine Islands, 5 December 1944. Entered service at: Liberty, S.C. Birth: Liberty, S.C. G.O. No.: 82, 27 September 1945. Citation: He displayed gallantry and intrepidity at the risk of his life above and beyond the call of duty while engaged in operations against the enemy. Pfc. McWhorter, a machine gunner, was emplaced in a defensive position with 1 assistant when the enemy launched a heavy attack. Manning the gun and opening fire, he killed several members of an advancing demolition squad, when 1 of the enemy succeeded in throwing a fused demolition charge in the entrenchment. Without hesitation and with complete disregard for his own safety, Pfc. McWhorter picked up the improvised grenade and deliberately held it close to his body, bending over and turning away from his companion. The charge exploded, killing him instantly, but leaving his assistant unharmed. Pfc. McWhorter’s outstanding heroism and supreme sacrifice in shielding a comrade reflect the highest traditions of the military service.
    1946 - President Truman creates Committee on Civil Rights by Executive Order #9808
http://www.trumanlibrary.org/hstpaper/pccr.htm
http://www.civilrights.org/
    1947 - Joe Louis beats Jersey Joe Walcott in 15 for heavyweight boxing title
http://www.cyberboxingzone.com/boxing/jlouis.htm
http://www.ibhof.com/walcott.htm
    1947 – Two-time Super Bowl champ with the Oakland Raiders and Heisman Trophy winner Jim Plunkett was born in San Jose.  After a stellar collegiate career at Stanford where he won the Heisman Trophy, he was the #1 draft pick of the woeful and then Boston Patriots.  The combination of injuries and a leaky offensive line diminished his role and in 1978, he was picked up by the Oakland raiders after two miserable seasons with the 49ers.  At age 33, after QB Dan Pastorini broke his leg, Plunkett led the team to a Super Bowl victory over the Philadelphia Eagles, then repeated it in 1983 over the Washington Redskins.  Plunkett is the only two-time Super Bowl winning QB not currently playing who is not in the Pro Football Hall of Fame.
    1948 - The first church service in sign language for the hearing impaired was broadcast from St. Matthew's Lutheran Church for the Deaf in Jamaica, Long Island. WPIX-TV, Channel 11 in New York aired the telecast.
    1948 – The New York Giants’ QB, Chuckin’ Charley Conerly established an NFL record with 36 consecutive pass completions.
    1949 – Ezzard Charles defeated Jersey Joe Wolcott for the heavyweight boxing championship.
    1950 - Top Hits
“All My Love” - Patti Page
“A Bushel and a Peck” - Perry Como & Betty Hutton
“Rudolph, the Red-Nosed Reindeer” - Gene Autry
“I'm Moving On” - Hank Snow
    1951 - The first push button-controlled garage opened in Washington, DC. A single attendant, without entering a car, could automatically park or return an auto in less than a minute.
    1951 – “Dragnet” debuted on TV.
    1951 – Shoeless Joe died in Greenville, SC.  Jackson’s .358 batting average is the third highest in Major League history.  Jackson played for three Major League teams during his 12-year career:  the Philadelphia A’s, Cleveland Naps, and the Chicago White Sox.  He is remembered for his performance on the field and for his alleged association with the 1919 White Sox who participated in a conspiracy to fix the World Series. As a result of Jackson's association with the scandal, MLB Commissioner, Kenesaw Mountain Landis, banned Jackson from playing after the 1920 season. Since then, Jackson's guilt has been disputed, and his expulsion from baseball during the prime of his career made him one of the game's legendary figures.
    1952 - “The Abbott and Costello Show” premiered on television. Bud Abbott and Lou Costello made 52 half-hour films for television incorporat­ing many of their best burlesque routines. The show ran for two seasons, until 1954. Costello was born at Paterson, NJ, Mar 6, 1906, and died at East Los Angeles, CA, Mar 3, 1959. In 1966, Hanna-Barbera Productions produced an animated cartoon based on the characters of Abbott and Costello. Abbott supplied his own voice while Stan Irwin imitated Costello. Bud Abbott was born at Asbury Park, NJ, Oct 2, 1895 and died at Woodland Hills, CA, Apr 24, 1974. Their celebrated routine, “Who's on First?” is a staple at the National Baseball Hall of Fame in Cooperstown, NY.
    1953 - A killer F4 tornado struck Vicksburg, MS, killing 38 and injuring 270. This was the last killer tornado of 1953, concluding one of the worst tornado years on record. Every corner of the nation east of the Rockies was hit by violent tornadoes. In no other years have violent tornadoes been so widespread
    1955 - Rosa Parks was arrested at Montgomery, Alabama on December 1 for refusing to give up her seat to a white man. This was following the Interstate Commerce Commission ban on integrated buses and bus stops, which Alabama and other states were ignoring. In support of Parks, and to protest the arrest, the black community of Montgomery organized a boycott of the bus system. Dr. Martin Luther King, Jr., at first reluctant to have his church involved, listened to the calls of his parishioners and joined the boycott where the assemblage pushed him into the fore front. When I interviewed him as a newsman, he was “shy” at the time, he explained, and did not consider himself a leader, but “caught up in the movement.” The boycott lasted from December 5, 1955, to December 20, 1956, when the US Supreme Court ruling was implemented at Montgomery, integrating the public transportation system.
http://www.grandtimes.com/rosa.html
http://www.time.com/time/time100/heroes/profile/parks01.html
http://www.lkwdpl.org/wihohio/beth-mar.htm
    1955 - The AFL-CIO was founded. The American Federation of Labor and the Congress of Industrial Organization joined together, following 20 years of rivalry, to become the nation's largest leading advocate for trade unions
    1956 - The Alan Freed-produced movie, “Rock Rock Rock,“ is released with Tuesday Weld lip-synching to Connie Francis' voice.
    1957 - New York City passed a Fair Housing Practices Law, the first city to legislate against racial or religious discrimination in housing.
    1958 - Top Hits
“To Know Him, is to Love Him” - The Teddy Bears
“One Night” - Elvis Presley
“Problems” - The Everly Brothers
“City Lights” - Ray Price
    1964 - RCA announces that "Elvis' Christmas Album" has sold over 800,000 copies since being released in 1957.
    1964 - Lorne Greene's "Ringo" hits #1
    1964 - The Beach Boys' “Beach Boys Concert” album hits #1
    1964 - The Zombies' "She's Not There" enters the pop charts
    1964 - The Kinks' "You Really Got Me" enters the pop charts
    1964 - The first Medal of Honor awarded in the Vietnam War was presented to Army Captain Roger Hugh Donlon of Saugerties, NY. He was wounded four times (stomach, leg, shoulder, and face) at Nam Dong, about 20 miles from the Laotian frontier. The award was the first since the Korean War, the first in a counterinsurgency effort, and the first to a solider with a friendly foreign force engaged in an armed conflict in which the United States was not at war, a “belligerent.” Now retired, Col. Roger resides in Leavenworth, Kansas with his lovely wife of more than 30 years, Norma. They have 4 sons and Roger has a daughter from a previous marriage. The Donlons have a number of grandchildren and spend their time traveling, giving motivational speeches, promoting Roger's book, "Beyond Nam Dong", and working with The Westmoreland Scholar Foundation, an educational foundation dedicated to fostering reconciliation between the American and Vietnamese people.  http://www.mishalov.com/Donlon.html; http://www.homeofheroes.com/moh/citations_living/vn_a_donlon.html
    1966 - Top Hits
“Winchester Cathedral” - The New Vaudeville Band
“Good Vibrations” - The Beach Boys
“Devil with a Blue Dress On” & “Good Golly Miss Molly” - Mitch Ryder & The Detroit Wheels
“Somebody Like Me” - Eddy Arnold
    1967 - Baby doctor and writer Benjamin Spock along with Poet Allen Ginsberg and others arrested protesting Vietnam war.
http://www.washingtonpost.com/wp-srv/politics/campaigns/junkie/links/spock.htm
http://www.virtualology.com/virtualpubliclibrary/
hallofeducation/Pedagogy/Benjamin-Spock.org/

    1969 - The four node ARPANET network is established.
    1972 - The Mormon Church officially excommunicates Sonia Johnson, founder of "Mormons for the ERA," for her efforts on behalf of the Equality Rights Amendment. She was fifth generation Mormon.
    1973 - Paul McCartney releases "Band on the Run" album.
    1973 – The Cubs’ 3B Ron Santo became the first player to veto a trade involving him.
    1974 - The National Football League announces that it has voted membership to Seattle Professional Football, Inc., headed by Lloyd W. Nordstrom with partners Herman Sarkowsky, D.E. “Ned” Skinner, Howard S. Wright, M. Lamont Bean, and Lynn P. Himmelman.
http://www.seahawks.com/
    1974 - Top Hits
“I Can Help” - Billy Swan
“Kung Fu Fighting” - Carl Douglas
“When Will I See You Again” - The Three Degrees
“Back Home Again” - John Denver
    1975 - Fleetwood Mac's tenth album goes gold and will eventually reach platinum status. This is the first album by the regrouped band, including founders Mick Fleetwood and John McVie, veteran Christine McVie and newcomers Stevie Nicks and Lindsey Buckingham. The album contains the tunes "Rhiannon," "Say You Love Me" and "Over My Head."
    1975 - "Gratitude," a double album by Earth, Wind and Fire becomes their fifth album to go gold.
    1978 – The Phillies won the free agent sweepstakes for Pete Rose, awarding Charlie Hustle a four-year, $32 million contract.  It paid off when they won the 1980 World Series.
    1981 - An explosively deepening ocean storm southeast of New England caught forecasters off guard and unloaded heavy snows over New England. Boston, MA was buried with 13.5 inches and parts of southeast Massachusetts and Rhode Island reported over 2 fee
    1982 - The Cowboys beat Washington 24-10 at RFK Stadium for the club's -- and Tom Landry's -- 200th regular-season victory.
    1982 - Top Hits
“Truly” - Lionel Richie
“Gloria” - Laura Branigan
“Mickey” - Toni Basil
“You and I” - Eddie Rabbitt with Crystal Gayle
    1984 - Kareem Abdul-Jabbar, at age 37, was the oldest player in the National Basketball Association. He decided to push those weary bones just one more year by signing with the Los Angeles Lakers for $2 million. Other NBA greats who played for 16 seasons include John Havlicek of Boston, Dolph Shayes of Philadelphia, Paul Silas of Seattle and Elvin Hayes of Houston.
    1984 - A heavy snow came to an end in Oklahoma. 10 inches fell at Skiatook, OK and 6.1 inches at Oklahoma City, OK
    1988 - "Kokomo" by the Beach Boys topped the charts and stayed there for a week.
    1988 - Televangelist Jim Bakker was charged by a federal grand jury with mail fraud and conspiracy to defraud the public through the sale of thousands of lifetime memberships to PTL theme park, Heritage U.S.A. Bakker was convicted the following year and sentenced to prison.
http://www.80s.com/Icons/Bios/james_orsen_jim_bakker.html
http://www.physics.unlv.edu/~farley/humor/K/bakker.htm
     1989 - A warm Pacific storm system brought high winds and heavy rain to western Washington and western Oregon. Up to ten inches of rain deluged the western slopes of the Cascade Mountain Range in Washington State over a three day period, and 500 persons had to be evacuated due to flooding along the Skagit River. Up to five inches of rain drenched northwest Oregon, and winds gusted to 71 mph at Netarts.
    1990 - Top Hits
“I'm Your Baby Tonight” - Whitney Houston
“Because I Love You (The Postman Song)” - Stevie B
“From a Distance” - Bette Midler
“Come Next Monday” - K.T. Oslin
    1991 - Charles Keating Jr (Lincoln Savings & Loan fraud), found guilty.  When Lincoln failed in 1989, it cost the federal government over $3 billion and about 23,000 customers were left with worthless bonds. His enterprises began to suffer financial problems and were investigated by federal regulators. His financial contributions to, and requests for regulatory intervention from five sitting U.S. senators led to those legislators being dubbed "the Keating Five". On this day, Keating was convicted in both federal and state courts of many counts of fraud, racketeering, and conspiracy. He served four and a half years in prison before those convictions were overturned in 1996. In 1999, he pleaded guilty to a more limited set of wire fraud and bankruptcy fraud counts, and was sentenced to the time he had already served.  He died in March, 2014.
    1991 – The New York Daily News filed for Chapter XI protection.
    1992 - The rappers known as Ice Cube hit it big as their "The Predator" became the #1 album in the U.S.
    1996 - The baseball players’ union executive board unanimously approved a new collective bargaining agreement, marking the end of the longest labor dispute in baseball history. The new agreement introduced a Luxury Tax, revenue sharing, inter league play, and several provisions designed to compel the future cooperation of owners and players.   
     1997 - The sleeper hit "Good Will Hunting" was released in United States theaters. The film made stars of Matt Damon and Ben Affleck, who co-wrote and starred in the film. The duo, close boyhood friends, received a writing Oscar for their screenplay.
    1998 - James P. Hoffa, Jr. won the Teamsters presidency after challenger Tom Leedham conceded defeat in the union's presidential election. Leedham said it was difficult to compete against Hoffa's name recognition, financing and more than four years of campaigning for the top post of the largest private sector union in the U.S. There are some that say “Junior” was one of those involved in the disappearance of his father, probably part of the cement structure holding up a bridge or building.
    1998 - R. Kelly & Celine Dion were number one in the U.S with their single, "I'm Your Angel."
    2001 – NYC Mayor Rudolph Giuliani announces he wants to complete new stadium deals for the Mets and Yankees before he leaves office at the end of the month. Before the 9/11 attacks, which dramatically changed the city's financial stature, the mayor thought an arrangement in which the city, the state and the owners agreed to pay one-third of the cost of the new stadiums might complete the negotiations with the teams. A deal will be struck and the two new ballparks will both open in 2009.
    2002 - Elton John guest stars on NBC's “Will and Grace.”
    2003 - A major winter storm impacted parts of the Mid-Atlantic and northeastern United States during the 5th-7th. Snowfall accumulations of one to two feet were common across areas of Pennsylvania northward into New England. Boston, MA received 16.2 inches while Providence, RI had the greatest single snowstorm on record with 17 inches, beating the previous record of 12 inches set December 5-6, 1981. Boston's Logan International Airport was closed briefly on the 7th as heavy snowfall made regular airport operations impossible.
    2014 - NASA successfully tested its unmanned Orion spaceship for potential human flight over 3,500 miles from Earth.  Several years and more tests will be needed before the vessel is ready for human travel, potentially paving the way for manned trips to Mars.

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Top Stories

(chronological order)

- Balboa Capital Forced to Disclose List
   of Disgruntled Customers
- ELFA 55th Annual Convention Report
- CLFP Foundation Adds 25 CLFPs
- Work Together for More Business
- Commitment to Lease or Make Loan Agreements
- FinTech Comes to UCC Filing Information
   For Mail or Telephone Marketing
- Working Capital Loans
     and the Working Capital Cycle
- National Alliance Commercial Loan Brokers Conference
- Loan/Lease Regulations --- Updated
- Trends in Leasing
   by Barry S. Marks, Esq., CLFP
- Top Five Leasing Company Websites in North America
  Plus U.S. Alternate Finance Web Sites
- The story behind Arnold Palmer’s ‘Arnold Palmer’
- 'Warburg Pincus Agrees to Acquire Ascentium Capital
- Cross Section of Leasing Executives
  on Month of August Business plus 4th Quarter Prediction
- Canadian Leasing Conference Draws Record Attendance
   Annual Conference Report by Hugh Swandel
- A Key to World Class Credit
   "Freeing Up Staff for Higher Value Activities"
- Entire Industries Still Unbankable Despite Big Data Boom
- Windset Capital to Discontinue Funding New Business
- What Car Do I Drive?
  by Allan Levine, President/COO, Madison Capital
- Wells Fargo Hired 5,300 Employees with Lax Morals
- First Federal Goes with DocuSign
- Checking Applicant's Bank Statements Online
- Are You Taking Advantage of The Section 179 Deduction?
- Another Quarterly Interim Payment Scam
- Over 80% of Business Owners Are Opting to Purchase
  As Opposed to Leasing--BizFi Report
- Vehicle Leasing Volume Surges Past 31% in Q2
- U.S. Alternate Finance Web Sites: Alexa Report
- Broker/Lessor Receives Early Payoff from Lessee
   But Doesn't Pay Funder for Three Months
- Bank Net Income Rises to $43.6 Billion
- Balboa Capital Gets Win in Bait and Switch
    Purchase Option Case
- Alexa Report U.S. Leasing/Finance Media
- PayNet Reports Soft July Business
   Echoing the ELFA MFLI-25 July Report
- Photos from CLFP Celebration Day
- Broker/Lessor Receives Early Payoff from Lessee
   But Doesn't Pay Funder for Three Months
- “To Do Broker or Not to Do Broker Business,”
   that is the Question?”
- Credit Signs by dun & bradstreet - Free Service
- They Don’t See a Nose Dive as Does CFO.com
   as Reported by the ELFA July MLFI-25
- Kyle Gilliam, CLFP, Appointed President
  BancorpSouth Equipment Finance
- Five Biggest Small Business Loan Mistakes
- DealSafe---Control of Contractual Rights
- Big Banks Lose Near Half a Trillion Dollars
- Madison Capital eDoc Experience
- Ascentium Capital Reports Strong 2nd Quarter Growth
- Axis Capital Subject to Possible Receivership
- Balboa Capital Tagged for Quarterly Payment Scam
- It's Not the United States with Highest Income Tax
- California Department of Business Oversight Confirms
that Brokers Need Licenses and Lessors Can’t Pay Unlicensed Brokers
- Signs of a Chill in Fintech Funding?
- What Happened to the $11.4 Million
   in the IFC Credit Bankruptcy “Approved Disbursements?”
- Balboa Capital Tagged for Bait and Switch
  on Lease Payoff Quote
- Alert: Dallin Hawkins Making Rounds Again
   Bulletin Board Complaints
- FinTech #102  by Christopher Menkin
   Menkin has an Epiphany
- Alternate Finance Companies - Subprime
- FICO Score: Excellent to Bad
- Charlie Chan on Balboa Capital
- Reader Complaint About LEAF Financial Investment (Collection)
- How to be a “Leasing Expert Witness”
    and Make Extra Income
- 2014 Survey Reports Expert Witness Hourly Fees
    Record All-Time Highs
- Your Photograph on LinkedIn.com
Use a Password Generator
- Banks Turn Toward Leasing for More Profit
- Why Leasing News is Different
- Take Your Banker to Lunch
- Lease Police Tips on Judging Vendors
- Alert: Rudy Trebels Back Soliciting Broker Business
- HL Leasing/John Otto--Update
- NorVergence- Year end, 2013
- Twelve Lawyers Against Evergreen Clause Abuse
- Wants to Go After Lessors and Their Attorneys
   Re: Evergreen Clause Abuses
- Sample of Usury Laws in United States
- Balboa Capital Class Action Case Settled--$5 million?
- Old Cowboy On His Horse
- Leasing Brokers: When May You Collect a Commission?
- Balboa Capital, Irvine, California
   $20,543.22 Bulletin Board Complaint
   Alleged “Bait and Switch”
- Female Lease Finance Association Presidents
- Broker’s Responsibility to Obtain
    California Lender’s License
- The Day that Albert Einstein Feared May Have Finally Arrived
- Equipment Finance Agreements Explained/Barry S. Marks
- Royal Links "True Lease" Court Ruling
- "The Memory Shock" –New Book by Barry Reitman
- Jeff Taylor's Leasing Predictions, Spring, 2006
- New Case against Mazuma Capital and Republic Bank
  ---Automatic Evergreen Payment---PPR
- Charles Schwartz and Allied Health
- Copier Wars---It's more than the lease payment
    by Christopher Menkin
- Leasing Gypsies
- Verifying Tax Returns
- Special Report: Part I
   Could Church Kiosks, Royal Link Carts, NorVergence results been avoided?
   The use of “Equipment Finance Agreements”
- Special Report: Part II
    Bank of the West
   Equipment Lease Agreement (EFA)
- California License Web Addresses
- Settlement Costs vs. Litigation Costs