Archives--April 21, 2000

Bob Rodi Launches Internet Leasing Software

About LeaseNOW, Inc.

LeaseNOW, Inc. and its predecessor, the American Lease Exchange are a privately held independent lessor that was founded in 1989 by its current principals. The company has a long history of PC based marketing and was the first B to B advertiser on the original Prodigy Service in 1989. The company also maintained sites on the Genie Network and CompuServe until 1993 when management made the decision to develop and deploy its own PC based point of sale leasing system. LeaseNOW 2000 is the third and most robust software package deployed by LeaseNOW, inc. Bob Rodi, President of LeaseNOW, Inc. also serves as President of the UAEL and is a member of the Fair-Isaac Client Advisory Board for North American Markets.

Press Release

LeaseNOW, Inc
Pittsburgh, PA

LeaseNOW, Inc. announces the release of LeaseNOW 2000.

LeaseNOW, Inc. of Warrendale, PA announced the release of its exclusive software package LeaseNOW 2000. LeaseNOW 2000 combines the best of technological advancements with the "Hi Tech/Hi Touch" approach that customers sorely miss in the impersonal world of the internet.

LeaseNOW 2000 delivers on-line application processing, tracking, status and documentation in one easy to use software package that resides on the desk top of the user. LeaseNOW 2000 also equips users with 5 levels of Risk Based Pricing and a unique tool known as the Risk Level Wizard that allows the user to "pre-qualify" their transaction according to their own credit profile. Users can construct "What-if" scenarios by manipulating variables such as advance payments, residuals, security deposits and term. After selecting the variables the user simply presses "Calc" to have the payment displayed. The calculator is also equipped with a "preview" function that displays multiple pricing scenarios. Unlike most web based calculators LeaseNOW 2000 uses a series of sophisticated formulae rather than a simple "look up" table. This provides users with far more flexibility when structuring payments. If a user so desires, the calculator interface can be opened multiple times on the user's screen for side by side comparison. The Calculator and Risk Level Wizard has also been "web enabled" and will be deployed on the company's web site within the next two weeks.

The user also has a choice of delivery options. If the user has a high speed internet connection the software will use that connection to deliver an application directly to LeaseNOW's Fair-Isaac SBSS Credit Desk Interface. If the user does not have "always on" access or if the user is away from the office all they need is a modem. LeaseNOW, Inc. also functions as an ISP and will provide LeaseNOW 2000 users with "dial up" access through its communication server. The system is designed to handle 30 simultaneous callers and is capable of processing up to 600 applications per hour. The "dial up" delivery coupled with Internet delivery literally gives LeaseNOW 2000 users access to credit processing from anywhere on the planet earth.

Bob Rodi, President of LeaseNOW, Inc states "We felt that limiting our users to internet access only was leaving a lot of potential money on the table and excluding many small to medium sized vendors who may not have internet access in the work place as yet. We are betting on the fact that most small businesses that purchased a computer in the past 3-5 years will have at least a 14.4 modem. If that's the case that's all they need to have an application delivered to us and processed in a couple of minutes. Our system has been designed to accommodate even the lowest common denominator. We believe that this is the true way to build brand identity and loyalty.

When a user installs LeaseNOW 2000 on their PC, a LeaseNOW 2000 icon is created. "We didn't want our customers having to surf the net looking for us nor did we want customers to be subjected to error messages and equipment outages" says Rodi. You can surf the internet from LeaseNOW 2000 if you want to, however. One unique feature of the software is the "built in" LeaseNOW browser.

Rodi states, “If a customer is working with our software and needs something from our web site, or if they want to compare our pricing to some internet based company we provide the tools to do it." All the user need do is click the LeaseNOW Web browser and they are instantly transported to LeaseNOW's internet site at www.leasenow.com. From there they can use the LeaseNOW browser like any other browser on their desk top. "Our software is perfect for a remotely deployed field sales force who may find themselves working with a variety of different communications scenarios. Our goal in the design of LeaseNOW 2000 was to provide our vendors with the most powerful utility available. That meant developing tight integration with our web site.

The fact is that there are still a lot of software features that are best deployed in the desk top environment and not on the internet. Integrating the software and the web site was the best solution. The equation is simple. Make it user friendly, useful, powerful and flexible and we get a lot more business and create barriers that are extremely difficult for our competitors to overcome. If controlling the desk top was good enough for Microsoft and Netscape to go to war over then it's definitely an approach LeaseNOW will take" states Rodi.

The entire interface is being "web enabled" so that it can be operated as an extranet. Rodi states "Our users will be able to deliver an application using a dial up connection if they are in the field. When they get back to the office and to a more favorable connection they will be able to log on to the LeaseNOW extranet. We have deployed a secure VPN to facilitate this. "Triggers" in our various SQL databases will constantly cause the databases to update each other. If you deliver something via "dial up" you will be able to log on through the web and check status in a matter of minutes".

LeaseNOW is also adding an IVR (integrated voice response) module to its web site. The company has deployed a VoIP phone system that supports the H.323 internet phone standard. Customers will reach LeaseNOW by clicking a "Talk to a LeaseNOW Representative" button on the website. LeaseNOW's telephony server is also configured as an Internet Gateway that will support IVR and internet telephony.

LeaseNOW 2000 is free to capital equipment vendors, re sellers, systems integrators, manufacturers reps, franchisers or any company who could benefit from having ready access to a "rapid response" credit approval system. Rodi states "There is no doubt that the internet is impacting the way we do business. A lot of people seem to forget however that well over 90% of the lease applications originated come as the direct result of a vendor's effort to control the sales process. The vendor isn't interested in shopping a transaction for a customer. The vendor is interested in making the sale. If you give a vendor a functional tool that allows them to approve, document and fund a transaction from their desk top PC you've taken away any incentive for them to even log on to the internet. We're also betting that vendors will see the profit potential with LeaseNOW 2000. Basically, if you can read and type LeaseNOW 2000 will put you in the leasing business."

(The company changed its name and is now Mount Pleasant Capital Group and specializes in franchise financing. http://www.mountpleasantcapital.com/About.aspx)

Classified Ads---Controller

Chicago, IL experienced in lease accounting, operations, management, and Sarbanes-Oxley. Seeking position with equipment lessor. Would consider contract assignments or relocating. Email: leasecontroller@comcast.net

Southeastern, MI Controller & Management experience w/ equip lessors &broker. MBA, CPA w/ extensive accounting, management, securitization experience with public and private companies. Willing to relocate. Email: Leasebusiness@aol.com

Acton, MA Strong experience in lease accounting, operations, & systems.   Implemented lease plus, Great Plains, networks. Excellent financial reporting and analysis skills. Looking for new opportunity. LinkedIn alexanderzlenz@gmail.com| Resume

Southern CA 20 years exp. as hands-on leasing CFO, managing accounting, treasury, FP&A, including securitizations, Great Plains/FRx, budgets, risk management.  MBA.  Also available as interim Controller/CFO, consultant. Email: leasecfo@gmail.com

For a full listing of all “job wanted” ads, please go to:
http://www.leasingnews.org/Classified/Jwanted/Jwanted.htm

Other e-Mail Posting Sites:
http://www.leasingnews.org/Classified/Posting_sites.htm

US Bancorp 1st Quarter—A Winner
by Christopher Menkin

While I will wait for the SEC filings to look further, the slide presentation and press release were excellent, and definitely a reflection on U.S. Bancorp Chairman, President and Chief Executive Officer Richard K. Davis' leadership of he and his board of directors. A year ago when Washington said the banks should make loans, he declared his banks would make all the good loans they could. He set the benchmark for US Bank.

The press release shows the equipment leasing group business appears in good shape, definitely holding its own, and despite the recent purchases of banks closed that US Bank purchased, the cost in taking over these operations, opening new offices, branches the bank overall is doing extremely well. Whether they decide about the dividend, the growth and stability seem to be as important. In fact, you could say I view the company as being “bullish.” They are taking on Wells Fargo and others on the West Coast, such as Bank of the West. They are aggressive, when others are not, and it specifically appears from the numbers to be making good, solid loan and credit decisions. The slide presentation and facts show US Bank held a stranglehold on delinquencies; great job by their loan officers and collection staff:

Net income was $669 million for the first quarter of 2010 from total net revenue of $4.3 billion. It was higher than the $529 million from the first quarter of 2009

Growth came from:

$6.6	billion of new commercial and commercial real estate commitments
$14.6	billion of commercial and commercial real estate commitment renewals
$2.0	billion of lines related to new credit card accounts
$13.3	billion of mortgage production and other retail originations

Net interest margin of 3.90 percent for the first quarter of 2010, compared with 3.59 percent in the first quarter of 2009 (and 3.83 percent in the fourth quarter of 2009). As important, delinquencies and write-offs were down:

"As a Company, we are confident and focused on the future. We are investing in our businesses, branches, employees and infrastructure" U.S. Bancorp Chairman, President and Chief Executive Officer Richard K. Davis said. "We continue to build deeper relationships with our clients, while transitioning from providing high quality customer service to being recognized for providing a great, high quality customer experience.

“We have not, however, lost sight of the prudent operating and risk management principles of our past — principles that have allowed our Company to successfully navigate an uncertain economy and unprecedented changes in the financial services industry. There is more change to come, and we have taken a leadership position to help ensure that the industry and, importantly, our Company play a vital role in the economic recovery.

"Our first quarter results demonstrated the underlying strength of our business model, and I am confident that our Company's momentum will accelerate as the economy recovers. We have the depth, breadth and strength to grow and prosper in the years ahead for the benefit of our customers, employees, the communities we serve and our shareholders."

Keeping in mind the acquisitions and growth, the down equity from $27.2 billion first quarter, 2009 to $26.7 billion the first quarter, 2010 is not bad with the Tier 1 Capital going from $25.3 billion to $23.3 billion, or in a better view, the Tier 1 capital ratio from 10.9% to 9.9% (10% is the site to look for, in my opinion, so 9.9% is quite acceptable, especially under the growth and use of capital to expand).

It should also be pointed out the US Bancorp is lending as noted by their mortgage and other lending growth. The bank is aggressive in both the consumer and commercial markets, becoming more of a competitor, definitely a bank to do more than watch, to get involved.

The SEC filings hopefully will have more information on the various sectors, especially leasing. The numbers here are combined from all the leasing operations, not just small ticket or back office or middle-large market, primarily out of Portland, Oregon. As this office got out of the broker middle-market, it reporting is picking up operations from the small ticket Minnesota office. In the last personnel changes with financial leader Mike Rizzo gone (he consolidated positions, in the end, moving himself out, too), it seems to be divided (Rizzo is reportedly in Portland trying to put a group together).

Leasing is down according to the consolidated quarterly average balance sheet, but nothing that should be considered "dramatic" in this market place. I personally think "admirable" is a better word, particularly since this is a combination of all the leasing operations and not knowing which of the division is hold their share, meaning is the small ticket up, but the middle market not what it used to be? In addition, credit ratio charge offs are up. Here are the numbers from the press release:

In billions:
March 31, 2009	$6,772
June 30, 2009	$6,697
Sept. 30, 2009	$6,567
Dec. 30, 2009	$6,489
March 31, 2010	$6,445

Allowance for Credit Losses (In millions:)
March 31, 2009	$55
June 30, 2009	$55
Sept. 30, 2009	$44
Dec. 30, 2009	$33
March 31, 2010	$34

Credit Ratio (percent)
March 31, 2009	1.21
June 30, 2009	1.72
Sept. 30, 2009	1.89
Dec. 30, 2009	2.25
March 31, 2010	2.14

US Bancorp 1st Quarter Press Release:
http://leasingnews.org/PDF/US_Bancorp_Q1_10.pdf

Slide Presentation regarding 1st Quarter Press Release:
http://leasingnews.org/PDF/US_Bankcorp_slides.pdf

NAELB Conference a Huge Success

Almost 300 attended and viewed the results of the membership of the National Association of Equipment Leasing Brokers (NAELB) and learned Sonia v. M. Stoddard, B.P.B, Stoddard & Associates, Los Angeles, California, was formally elected president, the fourth female president in the leasing association history(1).

"This year's annual conference, held at the Omni Hotel in Atlanta, GA this past weekend, offered something of value for every attendee, both those experienced and new to the business alike,” President Stoddard told Leasing News." The value at this year's conference was no different from conferences of the past, and every year keeps getting better! The overwhelming positive feedback has been phenomenal. It has always been the mission of the NAELB to deliver a quality educational experience, along with a deep networking opportunity, for each and every conference attendee. I think that we've accomplished that, and much more.

"I look forward to working with our members in order to continually challenge and increase our offerings as an association, as well as enhance our collective professional presence in the business world. Watch for our upcoming regional meetings, and next year's annual conference, April 7 through 9, 2011, in Austin, Texas."

The 2010-2011 National Association of Equipment Leasing Brokers Board of Directors was announced at the Atlanta Conference the past weekend.

(1)

2010-2011 NAELB Board of Directors

Sonia v. M. Stoddard, B.P.B.
President
Stoddard & Associates
Los Angeles, California

Charles (Bud) Callahan, CLP
President-Elect
National Equipment Leasing, Inc.
Indianapolis, Indiana

Patrick Sponsel
Vice President
Sharpe Equipment Leasing, Inc.
Glendale, Arizona

Spencer Richman, CLP
Immediate Past President
American Financial Network Inc.
Cleveland, Ohio

Brian Huey
Secretary/Treasurer
LeaseSource
Matthews, North Carolina

Corey Bell
Director at Large
United Funding, LLC
Chattanooga, Tennessee

D. Paul Nibarger, CLP
Director at Large
Nibarger Associates
Rancho Palos Verdes, California

Joan Modes
Director At Large
GEM Commercial Credit, Inc.
Livonia, Michigan

Joseph Bonanno, CLP
Legal Counsel
Medford, Massachusetts

(B.P.B. is an NAELB designation for “Best Practicing Broker”
http://www.naelb.org/displaycommon.cfm?an=1&subarticlenbr=124

(President Stoddard maiden name is von Matt, thus
the grammatically correct abbreviation in her name. editor)

Retiring Treasurer Rosanne Wilson, CLP, B.P.B., 1st Independent Leasing, Inc., Beaverton, Oregon, who served 1 year as Director and four years as treasurer, was nominated as Mrs. NAELB and was crowned with a tiara. She also won Best Personality and Best NAELB Spirit.  She was honored beyond belief, she told Leasing News.

NAELB Immediate Past President 2008/2009 Brian Montgomery, B.P.B., Express Funding Solutions, McDonough, Georgia received the Mr. NAELB Award.

The Monitor magazine presented its second annual Brokers’ Choice Award, reporting, "For the second year in a row, brokers overwhelmingly chose U.S. Bank Manifest Funding Services as the winning funding source. Accepting the award, Curt Kovash, Manifest's SVP and general manager, said he was honored to be chosen for a second year." Bank of the West was awarded second place; third place was Financial Pacific Leasing.

Larry LaChance, CLP, President of Bankers-Capital, Northborough, Massachusetts, said his booth was "...jam packed, overbooked, what a great conference!"

Mitch Larkin, Vice-President, Broker Division, Bankers-Capital, wrote on the NAELB Forum:

"The 2010 NAELB Annual Conference will be an event to remember! The social events were excellent! The educational aspect was excellent! The funding meetings were excellent! The camaraderie among the Brokers during this trying time was most obvious. Everyone put their respective thinking caps on to come up with ideas on how to improve various aspects of the industry. NAELB once again demonstrated we are a closely knit fraternity of very caring individual's fighting for a common cause. Kudos’s to all."

Jim Gibbons, Edison Capital Leasing, Spanish Fork, Utah wrote on the NAELB Forum:

"I loved Atlanta and all the great people I met at the NAELB annual conference last week. The rooftop party on Friday was a blast and the bank reps were especially welcoming, nice, warm, and hospitable to us brokers. The food at all functions was 'to die for ' and the seminars topical, inspiring, and not boiler plate mish mash. The planning that went into this was just spot on. Plus, the people from Atlanta we met were really friendly especially the hotel staff. And did I mention the FOOD? WOW! Great!

“Professionally Sam Black's seminar was totally awesome as was Gerry Egan's. I also really enjoyed meeting the older gentlemen who have been around forever and took to heart their words of uncommon wisdom. And the enthusiastic newer brokers were really knowledge sponges and very positive and interactive.

“What's next? I'm dying to know. It will be really hard to top this one! I know I'll make money form what I've learned.

“What a marvelous brain trust we have at NAELB. Much more like a family than a professional organization.

“I have never seen such altruism and selfless donation of time and knowledge.

“We have a lot to be proud of.”

Next NAELB Conference
September 24-25
2010 NAELB Eastern Regional Meeting
Atlanta, Georgia


November 12-13, 2010
NAELB Western Regional Meeting
Costa Mesa, California

Note: NAELB Director Brian Huey is LEASE GUY BY DAY

And Perpetual Writer by Night:

News: Brian Huey and Perpetual the novel (series) is featured on the #3 internet author site www.TheAuthorsShow.com . The stream will run for a full 24 hours today, Wednesday April 21st, but can be retrieved in the archives thereafter. Perpetual II in the trilogy is expected to be released November 2010. The screenplay is still getting good reviews in Hollywood.

1. June Sciotto, Regal Finance, Charlotte, North Carolina, 1994-1996, First female of any leasing association to be elected.

   Donna Cole, B.P.B., Business Capital Leasing, Richmond, Virginia, 2004-2005, second female president NAELB
   
   2005: Heather von Bargen, B.P.B., Caladesi Capital, Inc. New Port Richey, third

All Female Leasing Association Presidents
http://www.leasingnews.org/archives/January%202008/01-11-08.htm#cfa

Past Board of Director Photographs:
http://www.naelb.org/displaycommon.cfm?an=1&subarticlenbr=111

Little Rock, Ark.    Meet and learn from Mr. Terry Winders, CLP Leasing #102 columnist for Leasing News, long time educator and trainer Sales and Operations click here for course information and to register June 9, 10, until Noon on the 11th Little Rock, Arkansas Hosted by Arvest Equipment Finance $395.00 Paid in Advance for first person from company $345 with each additional attendee  "Certified Leasing Professionals attending this seminar will earn CPEs (Continuing Professional Education) Credits toward their recertification"

(This ad is a “trade” for the writing of this column. Opinions
contained in the column are those of Mr. Terry Winders, CLP)

Leasing Association 2010 Conferences

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May 5-7,
AGLF/ELFA Public Sector Finance Forum
Westin Hotel, Michigan Avenue
Chicago, Illinois

Registration Fees:
After April 13, 2010
AGLF or ELFA Member $750.00
Non-Member $900.00
Government Registration* $400.00
Spouse/Companion** $200.00
Basics Session Only *** $95.00

Registration rates include admissions to all sessions,
refreshment breaks, the receptions, and continental breakfasts.

* Available to employees of state and local government entities only
** Guest registration is open only to those who accompany a registered

Registration form, who is attending by name or company,
and more about the conference, please click here:
http://www.aglf.org/spring2010.html

---

September 24-25
2010 NAELB Eastern Regional Meeting
Atlanta, Georgia

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October 15-17
NEFA Funding Symposium Fall 2010
The Ritz-Carlton, Buckhead
Atlanta, Georgia

---

October 24-26
ELFA 49th Annual Convention
Boca Raton Resort & Club
Boca Raton, Florida

---

November 12-13, 2010
NAELB Western Regional Meeting
Costa Mesa, California

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To view Leasing Association Events-Meetings Open to All, please click here.

(This ad is a “trade” for the writing of this column. Opinions
contained in the column are those of Mr. Michael Witt, Esq.)

Leasing Industry Help Wanted

Sales

We are looking for experienced business development  professionals with established vendor / client  contacts in general manufacturing equipment,  road maintenance, material handling , radio/TV broadcasting and other hard collateral. We have openings for in-house business development positions  and Independent Sales Associates. Contact or send resumes to: John Martella SVP 800 800 8098 ext 5209 or direct: 248 743 5209 jmartella@leasecorp.com

Please see our Job Wanted section for possible new employees.

Sales makes it Happen Leasing Sales Tea Party by Christopher “Kit” Menkin It appears today most sales are by telephone solicitation, perhaps following a mailer, or waiting for a response from a mailer or so-called approved line of credit. Some concentrate on vendor calls from lists, some pre-qualified or from current accounts or portfolio’s purchased. Often the caller is trained to follow the steps, even given a “script.” The gimmick is to get an application. The style I learned almost forty years is not used much today, as the idea most common now is if you make 300 telephone sales calls a day, you will get some bona fide leads. Of course, if a sophisticated list, it may be only making 150 telephone sales calls a day to reach that goal. Forty years ago the approach was "relationship," build your referral base, as most customers, whether the end user or vendor were "loyal," especially if you performed and cared about their business. Maybe a Leasing Sales Tea Party is needed today. The CIT, Ford, Westinghouse method was territories where the salesman cold called in his territory both on dealers and end users. The method is similar today to niche industries, but the territory does not require actual physical visits. In fact, many salesmen also got involved in collection calls (it was their customers or dealer was the philosophy then; a relationship.) The growth of the "step-by-step" script concept was fueled by the many funders who were anxious for business, even lowering their procedures to "credit application only," thus the need to have a relationship, understand the financial ability of the customer was not necessary, as an application was generally all that was needed. Five Point Capital, David Murray and Louis Schneider’ Preferred Lease, T&W Leasing were one of the first successful, hiring college students to make telephone calls, following a software program. There were others, ironically not around any more. It slowed down around the turn of the century and then came booming back around 2003 to perhaps 2006 or 2007, depending. Definitely by 2008 the leasing industry was changing drastically. When the credit market started to tighten, those in this type of sales turned to subprime leases, often collateralized, very high rates, and basically were "last chance finance" deals. Many today sincerely work on these and have become what they are seeking---meaning not only do their referrals think of them in these types of credits, this becomes their standard thinking. In the leasing mills, callers are trained, salesmen are showed company steps, and the creativity has been taken away. Some may stumble into a dealer following, but most in the major industries are now under control by the large national companies who make niche, creative relationships, in obtaining business. What has happened is the thinking of training the new salesmen in step-to-step has become like the many telephone calls. If you make enough of them, you will eventually find one who brings in a lot of business. The idea is to be in full control. This is short sighted as most companies find six to twelve months of time (and if a draw) not much profit, with the second year a break even for the money and effort, and by the third year, this top salesman leaves and starts his own company with his own following. It is one of the problems with the new philosophy of ignoring relationships, partnerships (if you will), or building a business family, instead of just going for the numbers. There is more to selling, such as education so you don't have as write-offs or problems, as building friendship and loyalty, which in the end comes down to having a relationship rather than a "step-by-step" employee who you will let go if he or she does not perform, or worse yet, one who is successful and ultimately goes in competition against you.

Golden, Colorado---Adopt-a-Dog

JOANNIE
Border Collie, Golden Retriever [Mix]
Medium Baby Female Dog

12 WEEKS OLD - Joannie is still looking for that perfect home for her too. Both are really sweet and vibrant puppies. We are 7 little puppies (5 girls and 2 boys) We really need you! Each of us is an adorable little ball of fur, fun and kisses just waiting for the chance to light up your life. We are truly the most precious little pups you'll ever find, each with our own special personality. Our mom, Ginger, is a beautiful purebred Golden (already adopted) and our daddy was possibly a shepherd/border collie. Guess that's where we get our shiny black coats with the adorable white patches. Both our parents were less than a year old when we arrived, and poor mom wasn't even sure what motherhood is all about. Because our parents were abandoned, we were born little homeless babies by default. Sigh, a forever home of our own with a loving family -- that's all we want in this big world. Okay, here's the scoop. You need to send your application in right away so that GRRR will have time to review it, do a phone interview and then visit your home to see what kind of life one of us will have with you.

"Please read this first to be sure a puppy is really right for you, and then at the end you'll find the link to apply! Puppies, while adorable, are not for everyone. Think carefully if your lifestyle has room for the extraordinary responsibility of raising a puppy. Do you truly have time for the daily nurturing and constant supervision required? Do you mind piddles on your floor, chewing on your things and, before you know it, a teenage puppy with ideas of his or her own? The proper handling and socialization of a puppy are critical to their development into a well adjusted adult. As they grow they will require your steady, kind leadership, commitment to their training and rely on you for their extensive daily exercise needs.

"If you would like one of these puppies, a dog to be, to consider your application, please tell us why your home would be suitable for a puppy in the comments section of your application. The puppies will only be placed in homes with (1) adults or older children who can treat a dog with kindness and respect and (2) one that clearly has the dedication and substantial time throughout the day to devote to raising a puppy to responsible adulthood. If you are interested in adopting or have additional questions, please complete the online application. This is the first step towards finding the perfect match for you and our Goldens."

http://www.goldenrescue.com/application.html

Golden Retriever Rescue of the Rockies
16400 West 54th Avenue
Golden, Colorado 80403
Phone: 303-279-2400
Fax: 303-279 -6591
Email: goldenrescue@usa.net
Website: www.goldenrescue.com/
info@goldenrescue.com

Adopt-a-Pet by Leasing Co. State/City
http://www.leasingnews.org/Conscious-Top%20Stories/Adopt_Pet.htm

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

Goldman Sachs' profit doubles
http://www.nypost.com/p/news/local/goldman_sachs_profit_doubles_4K8Qe0dzwwmoDoZhXvN31L

Citigroup posts $4.4B profit in first quarter
http://www.nypost.com/p/news/business/citigroup_posts_profit_in_first_TXf5iXzvIi3EDMF4AYjhTM

Bank Of America Card Unit Posts $952 Million Q1 Profit
http://www.collectionscreditrisk.com/news/bank-of-america-card-unit-posts-profit-3001405-1.html

GM to repay $5.8 billion in loans early
http://www.upi.com/Business_News/2010/04/20/GM-to-repay-58-billion-in-loans-early/UPI-68551271788302/

Synovus sees bright spot in latest loss
http://www.ajc.com/business/synovus-sees-bright-spot-477849.html

Yahoo profit nearly triples, tops analyst views
http://www.usatoday.com/money/companies/earnings/2010-04-20-yahoo_N.htm

Bowersox closes ‘Idol’ on emotional high
http://www.msnbc.msn.com/id/36678634

The Cooking Channel, Spin-off to the Food Network
http://www.nytimes.com/2010/04/21/dining/21network.html?ref=dining

You May have Missed---

Apple Reports Second Quarter Results
http://www.prnewswire.com/news-releases/apple-reports-second-quarter-results-91640459.html

 

Sports Briefs ---

Sharks beat Avalanche on Pavelski's OT goal
http://www.contracostatimes.com/top-stories/ci_14925784?nclick_check=1

Cowboys' 2010 schedule is out: Includes five prime-time games
http://cowboysblog.dallasnews.com/archives/2010/04/cowboys-2010-schedule-is-out-i.html

Schedule by Week:
http://www.usatoday.com/sports/football/nfl/schedules/2010-schedule.htm

NFL Schedule by Team:
http://theredzone.org/Schedule/TeamSchedules.aspx

 

California Nuts Briefs---

More than 1,300 San Jose employees receive layoff notices
http://www.mercurynews.com/top-stories/ci_14922730

“Gimme that Wine”

Hearing on Carneros resort set for Tuesday
http://www.napavalleyregister.com/news/local/article_bb01902c-4b6e-11df-b7a1-001cc4c002e0.html

Leonetti owners launch new winery, cattle company
http://www.tri-cityherald.com/2010/04/15/978065/leonetti-owners-launch-new-winery.html

Severe Freezes Damage Iowa Grapevines
http://www.winesandvines.com/template.cfm?section=news&content =73260&htitle=Severe%20Freezes%20Damage%20Iowa%20Grapevines

'08 Pinot Noir pretty but a bit pricey
http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2010/04/18/FDIS1CUP37.DTL

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/

Winery Atlas
http://www.carterhouse.com/atlas/\

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

Spring Poem

Jabberwocky

by Lewis Carroll

'Twas brillig, and the slithy toves
Did gyre and gimble in the wabe;
All mimsy were the borogoves,
And the mome raths outgrabe.

"Beware the Jabberwock, my son
The jaws that bite, the claws that catch!
Beware the Jubjub bird, and shun
The frumious Bandersnatch!"

He took his vorpal sword in hand;
Long time the manxome foe he sought--
So rested he by the Tumtum tree,
And stood awhile in thought.

And, as in uffish thought he stood,
The Jabberwock, with eyes of flame,
Came whiffling through the tulgey wood,
And burbled as it came!

One, two! One, two! And through and through
The vorpal blade went snicker-snack!
He left it dead, and with its head
He went galumphing back.

"And hast thou slain the Jabberwock?
Come to my arms, my beamish boy!
O frabjous day! Callooh! Callay!"
He chortled in his joy.

'Twas brillig, and the slithy toves
Did gyre and gimble in the wabe;
All mimsy were the borogoves,
And the mome raths outgrabe.