Experienced Sales Person Orange County, California Commission 40-65%, full back office, Marketing Tools, vendor programs, credit analyst available. Barbara Griffith  714-573-9804 About the Company: Southern California Leasing: Professional, Reputable, 17 year winning track record.

www.socalleasing.com

Friday, April 10, 2009


1967--Harry Morgan, Jack Webb "Dragnet"

Headlines---

Classified Ads---Controller
    Second Alert: Sterling Financial, KS
        IFC Credit removed from “Story Credit” List
    Greystone, Burlington, MA, not Funding?
Classified Ads---Help Wanted
    Alexa Report on Media/Association Web Sites
        An Advertising Campaign Works on Leasing News
    Cartoon---4340 S. Monaco, Denver, Colorado
Paul Larkin: Sunny Side of the Street
by Christopher Menkin
Sin Nombre/Observe and Report/The Reader
Doubt/Alexandra
Fernando’s View By Fernando F. Croce
    Send us a “Complete Package”
Signs of Revival in Retail, Banks
    Housing Recovery by State: 1 in 9 Open House
    Jazz Saxophone Great Bud Shank Passes Away
News Briefs---
    You May have Missed---
        "Gimme that Wine"
Today's Top Event in History
    This Day in American History
        Basketball Poem
    SuDoku
Daily Puzzle
    GasBuddy
        Weather, USA or specific area
Traffic Live----

######## surrounding the article denotes it is a “press release”

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

Classified Ads--- Controller

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

To place a free “job wanted” Leasing News ad:
http://www.leasingnews.org/Classified/Jwanted/Jwanted-post.htm

ELFA Career Center: Job Seekers (free):
http://careers.elfaonline.org/search.cfm

[headlines]

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Second Alert: Sterling Financial, KS, BBB is D minus

Leasing News removed Sterling Financial, Inc. 4200 Somerset Drive, Suite 132, Prairie Village, Kansas from the "Story Credit" list. There were reports from several community banks as well as a D minus from the Better Business Bureau.

Better Business Bureau Report
http://kansascity.app.bbb.org/report/93120078

[headlines]

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IFC Credit removed from “Story Credit” List

IFC Credit, Morton Grove, Illinois has been removed from the Leasing News "Story Credit" list.

As stated to the policy: "To qualify for this list, the company must be a funder and not a "Broker/Lessor" or "Super Broker/Lessor", along with an acceptable Better Business Bureau Rating and no history of complaints at Leasing News. We reserve the right to not list a company who does not meet these qualifications."

"These companies specialize in "C" and "D" credits, often new businesses, or businesses where the principal(s) have Beacon score around 600 or previous difficulties; meaning to become comfortable with the credit and financial situation you need to learn the "story" to make a positive decision, often requiring further security, shorter term, or additional guarantors. Many of these companies may also be a "B," but appear otherwise without the "story" to understand the full financial picture."

"Also listed below the dollar amounts are companies that who are known for accepting
'subprime leasing'."

Full list with footnotes and introduction:
http://www.leasingnews.org/Story_Credit/Story_Credit.htm

[headlines]

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Greystone, Burlington, MA, not Funding?
 

"I work at Greystone and they have not funded our vendors For over two weeks now and in addition we have not been paid Commissions for the past two months.
 
"This is not a good situation.
 
"Please don't use my name."

It appears the statement is valid, except there appears to be some confusion regarding “quota.” The most important news is vendors will be paid soon.

It appears that Greystone Bank this week purchased leases and that vendor payments could be made starting as early as today, Friday, when paperwork is anticipated to be finalized relating to the funding; and that salesmen not getting paid is supposedly because they did not make quota (although the original Leasing News reader was not able to be contacted for verification at press time.)

The company apparently discussed a revised sales compensation program that provides that unless the sales force achieves sales quota, no commissions would be paid. One side tells us there are salesmen
who made the quote. The facts appears to be the plan was not finalized or rolled out to the staff (possibly because it was a "PV-based plan") and management allegedly has yet to establish a full complement of outside funding sources). Leasing News was told tension between sales and management is growing as sales people are being held accountable to a plan that hasn’t been rolled out  because it is dependent upon a funding platform that yet to be fully implemented. Action may be taken soon regarding the software program not performing.

It appears management elected to change their funding platform effective 2009 and implementation is ongoing.  As the end of the quarter approached the parent apparently decided to exert pressure by refusing to extend additional capital to supplement the warehouse lines.  Our source state the company is actively engaged in securing third-party term sources for funding.  In the meantime funding has been constrained.

Allegation that the parent or their sister bank are in trouble appear to be unsupported.  Greystone is a large privately-held finance company comprised of 16 operating groups.  Certain groups have multiple business units.  Greystone Equipment Finance is one of three business units within the Commercial Finance operating group (the other two are asset-based lending and accounts receivable factoring businesses).  

Reportedly Greystone holds close to a $1 million investment in Wildwood leases, another $1 million from a computer vendor subject to a 2008 Lease Police alert (Leasing News sources stated in 2008 Greystone had $300,000 of non-performing leases from this vendor and another $1 million of performing paper.)  Greystone is not alone in the Wildwood or computer vendor fraud and is one of many leasing companies affected.

http://www.greystoneefc.com/

[headlines]

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Leasing Industry Help Wanted

Credit Syndicator / Funding Specialist

Credit Syndicator Full time opening for the right team player with heavy structured transaction experience.  Click here for description. Funding Specialist Full time opening for the right team player with heavy structured transaction experience.  Click here for description.

www.abilitycapitalsolutions.com

Sales

Experienced Sales Person Orange County, California Commission 40-65%, full back office, Marketing Tools, vendor programs, credit analyst available. Barbara Griffith  714-573-9804 About the Company: Southern California Leasing: Professional, Reputable, 17 year winning track record.

www.socalleasing.com

Sales San Clemente, California The iFinancial Group is looking for highly motivated individuals with experience originating equipment lease transactions .  We offer a relaxed work environment, provide leads and offer above industry standard commission. Call Todd Clark 888-852-5155 x223 email: tclark@ifinancialgroup.com Ten years providing financing nationwide

www.ifinancialgroup.com

"Senior Leasing/Commercial Account Executives Proven history of closed deals & an established book of business? Want superior support & great income opportunity? Email resume to deanc@capnetusa.com About the Company: CapNet Financial Services, Inc has been a leader in direct lease originations for 10 years. Our mission is to provide American business with fast, innovative, financing solutions to grow their companies and exceed their goals."

www.capnetusa.com/CapNet/Default.aspx

VENDOR SALES SPECIALISTS LEASING SALES PROFESSIONALS Like selling vendor programs and large transactions? Enjoy international financing programs? Prefer the advantages of a commission only environment with the security of health and welfare benefits? CLICK HERE to find out how to have fun again.

Please see our Job Wanted section for possible new employees.

[headlines]

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Alexa Report on Media/Association Web Sites

Alexa Ranks Leasing Media Web Sites

David G. Mayer's Business Leasing and Finance News is not included in the Alexa report list as it does not have its own individual site and Alexa finds Patton Boggs, LLP Attorneys at Law.  The rating is not valid as it includes all those who visit and communicate with the law firm.  When Business Leasing and Finance News has its own individual web site, it will be included in the Alexa survey.

www.theleaseblog.com is a blog that exchanges emails and theleaseblog.ning.com is a “member only” blog that also exchanges emails and therefore are not included. Alexa ranked them 9,350,079 and 4,785,151 respectively.

*It should be noted that NAELB web site "list serve" requires logging onto their site, meaing their e-mails are counted as a visit to the site, whereas they are "list serve" communication. These are technically visits to the web site, but primarily to use "list serve."

+ WorldLeasingNews.com began five day a week service on March 30, 2009, which should improve their ratings. Lessors.com and Monitordaily.com are five days a week. LeasingNews.org is three days a week: M-W-F.

The Alexa tool bar works on most browsers.
They are partnered with Google.

You may download their free tool bar A graph and analysis of the last three months are available.

[headlines]

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An Advertising Campaign Works on Leasing News

The editor tries to place banner ads where they will be read by those the advertisers want to reach, rather than placed at random. News stories that will have an “ill” effect are avoided as best as possible. Often it is the position of the banner ad that attracts more response. This is at the sole discretion of the editor.

Banner ads may appear under the headlines at the choice of the editor, but are not guaranteed. An attempt is made to share them on a rotation basis with other banner advertisers.

[headlines]

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[headlines]

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Paul Larkin: Sunny Side of the Street
by Christopher Menkin

Perhaps younger readers are not familiar with this song, but certainly jazz fans are as it is a classic due to the chord changes. It was originally written in 1930 by Jimmy McHugh and lyrics by Dorothy Fields for famous Broadway stars of the time Harry Richman and Gertrude Lawrence. It was a favorite during the depression, perhaps it will be again.

I think to understand why Paul Larkins resigned from Key, you need to at least know part of the lyrics
( they appear in the cartoon above) or you may go to the end of this article.

Leasing News named Paul A. Larkins as 2006 Leasing Person of the Year for his contributions to the equipment leasing industry both in the United States and globally. He was the outstanding person that
year, and continued his high performance until he resigned.

October 2006, a press release from -- KeyCorp (NYSE: KEY) he
“… has been selected to lead the company’s new Key National Finance group. Key National Finance is comprised of Key’s businesses with a national, and in the case of equipment finance global, scope which includes Key Equipment Finance, Key Education Resources, Key Business Services and Key Recreation Lending and Auto Finance.”
Member of the executive council at Key Bank
http://www.kefonline.com/News/NewsArchives/2006/10242006.asp

His LinkedIn profile noted:

1998 – March 2009 (11 years)
Senior Executive Vice President
Key Equipment Finance

June 1996 – June 1998 (2 years 1 month)
Executive Vice President
Key Equipment Finance/Key Bank USA

He joined KeyCorp in October 1993, rising to the top of the equipment leasing operation for the bank. His Key bank biography states he, " … gained experience in the leasing industry working for USL Capital and IBM in regional and national marketing functions… Larkins was a founding board member and served as the corporate secretary for the Leasing Exchange, Inc. He is a past-chairman of the Equipment Leasing and Finance Association (ELFA) board of directors and the ELFA Government Affairs council. Larkins has been a leading proponent and fund-raiser for LeasePAC and the Equipment Leasing and Finance Foundation.

Here you have a man at the top of his form, a recognized leader by his colleagues, a major contributor to the equipment leasing industry with 23 years experience, both nationally and globally, 300 employees at his Superior, Colorado facilities and a total of 1,400 worldwide, according to a KeyCorp web site. A leader, a man above reproach in the industry. The top. The BEST. Many of us could work for years and never attain what he did in our industry.

He resigns,! With relatively little notice for the many years he has put in ( some companies like to see their executives leave once they made a decision, others when it is “friendly,” prefer they stay to make a smooth transition, perhaps one day we will all learn more), but the paradigm shift is to a 200 employee operation, started by Scott Lowery, who is chairman and ceo, who in 2005, a reported $350 million CA Holding was created with Scott Lowrey and other investors, including FirstAnaylsis, a major underwriting company, who describes the company on their web site as:

“Collect America is one of the largest consumer collection agencies in the United States. The company purchases and manages charged-off consumer debt (primarily credit card charge-offs) and uses a unique attorney franchise network to collect. In addition, Collect America collects defaulted debt on a contingency basis for third parties.”
http://www.firstanalysis.com/index.asp?PID=18&cid=49&coid=4032

When I wrote the column about the dramatic changes in the leasing business, many readers thought I was being overdramatic. Perhaps Paul Larkins did not think so. He was not available for an interview
until next week, and perhaps we will learn more. From 23 years in leasing to running an attorney franchise consumer collection operation! Maybe he is a lot smarter than the rest of us.

First, Collect America has few current complaints on the web, surprising for a company in their business.

The Better Business Bureau states :
A+ Rating
February 1994
Collection Agency
http://www.bbb.org/denver/business-reviews/collection-agencies/collect-america-ltd
-in-denver-co-21000212

Collect America Headquarters:
4340 S. Monaco, Second Floor
Denver, CO 80237

His new offices are not that far from his old office.

Key Equipment Finance
1000 South McCaslin Boulevard
Superior, Colorado 80027, U.S.A.

In 1998, after he finished the new Key Finance headquarters in
Superior, Colorado, the Colorado Business Journal wrote:

SUN SPLASHES LAVISHLY THROUGH THE WINDOWS of Paul Larkins' corner office at the corporate headquarters of Key Equipment Finance in Superior, but the view out that window is of a sea of cars in a dull parking lot.

Larkins planned it that way.

He wanted to send the right message--the executive offices are on the first floor overlooking a parking lot. The most important people in the company, the operations people who keep this company running, get the upper floors and the views," said Larkins, president and CEO of Key Equipment.

But everyone--from top executives to entry-level staff--has access to a striking break room that offers sweeping vistas of the Front Range and a place to mingle.
http://www.allbusiness.com/north-america/united-states-colorado/462495-1.html

* On The Sunny Side of The Street

(Written By J.McHugh - D.Fields)

Grab your coat and get your hat,
Leave your worry leave them on the door step'
Just direct your feet,
To the sunny side of the street.

Can't you hear that pitter pat?
And that happy tune is your step,
Life can be so sweet,
On the sunny side of the street.

I used to walk in the shade,
With my blues on parade,
But I'm, I'm not afraid,
This rover crossed over.

If I never have a cent,
I'll be rich as Rock Feller,
Gold dust at my feet
On the sunny side of the street

I used to walk yes I use to walk in the shade,
Oh with my blues oh with my blues on parade,
But I'm, I'm not afraid,
Because this rover crossed over.

If I never have a cent,
I'll be rich as Rock Feller,
Gold dust at my feet
On the sunny side of the street
On the sunny side of the street

Transcribed by Les Wraight from record sleeve

http://www.jazzstandards.com/compositions-0/onthesunnysideofthestreet.htm

[headlines]

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Fernando’s View
By Fernando F. Croce

Theaters offer two equally worthy opposite poles with the hard-hitting “Sin Nombre Solo” and the funny “Observe and Report.” Meanwhile, DVDs offer one Oscar winner (“The Reader”), one Oscar nominee (“Doubt”), and one great sleeper (“Alexandra”) which should have swept the awards.

In Theaters:

Sin Nombre (Focus Pictures): Writer-director Cary Fukunaga makes a blistering feature debut with this powerful drama set in the volatile zones between the U.S. and Central America. The complex yet vivid story follows several characters, from the Honduran teen (Paulina Gaitan) who rides a train out of the country in hopes for better things, to the young gang member (Edgar Flores) who meets her in Mexico City. The plot of crime and survival in the big city seems hardly original since “City of God” hit theaters, yet the movie is made with such furious energy and unexpected compassion that it manages to soar above its flaws. An eye-opening picture, occasionally brutal, often scary, and consistently engaging. With subtitles.

Observe and Report (Warner Bros.): With more laughs and more bite than this year’s earlier box-office hit “Paul Bart: Mall Cop,” the latest Seth Rogen vehicle proves to be a savory mix of comedy and action. Rogen (“Knocked Up”) stars as Ronnie, the head of security at Forest Ridge Mall. Bursting with dreams about fighting crime, he’s frustrated to deal only with petty shoplifters and unruly skateboarders. When his dream girl Brandi (Anna Faris) has a brush with a criminal, Ronnie seizes the opportunity to act on his fantasies, with disastrous results. Directed by Jody Hill and delightfully played by Rogen and Faris, the film finds a surprisingly dark undercurrent of anger in its protagonist, though that shouldn’t interfere with audiences looking for a hearty chuckle.

New on DVD:

The Reader (Weinstein Co.): Kate Winslet finally won a Best Actress Oscar for her performance in this adaptation of the acclaimed novel by Bernhard Schlink. Set in post-World War II Germany, it follows the unusual and intense bond that grows between teenager Michael (David Kross) and Hanna (Winslet), an older woman whose mysterious ways hint at dark secrets. They part abruptly as Michael leaves for college, yet when they cross paths years later, a shocking revelation about Hanna’s past throws their whole relationship under a different light. As the older Michael (played by Ralph Fiennes) looks back, can he work up the courage to see Hanna one last time? Stephen Daldry (“The Hours”) directs tastefully, and Winslet tackles a difficult role with verve.

Doubt (Walt Disney-Miramax): Award-winning playwright John Patrick Shanley directs a top-flight cast in this adaptation of his own taut Broadway hit. It takes place in a Bronx parochial school in the 1960s, where progressive religious education, embodied by charismatic Father Flynn (Philip Seymour Hoffman), clashes with the Church’s stricter rules, personified by severe Sister Aloysius (Meryl Streep). When naïve Sister James (Amy Adams) reveals her suspicions about Father Flynn and one of the students, Sister Aloysius uses all her might to go on a crusade against the priest. Combining questions about morality with dramatic suspense, this excellently acted film (with special kudos to Viola Davis as the student’s mother) should engross anybody looking for a dramatic night.

Alexandra (New Yorker): Russian visionary Alexander Sokurov (“The Second Circle,” “Russian Ark”) makes meditative, sometimes obscure films, but few of his works are as emotionally affecting as this visually breathtaking, enormously moving ode to mother love. Alexandra (celebrated opera star Galina Vishnevskaya) is an elderly widow who travels to a remote army camp to see her estranged soldier son. While the young man takes part in military maneuvers, his mother wanders into the nearby town and gets to know several locals. With its slow rhythms and impressionistic cinematography, Sokurov’s film may not be for everyone, yet patient viewers will be rewarded with a profoundly moving look at the strength of human emotion in even the harshest of places. With subtitles.

[headlines]

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Send us a “Complete Package”

This comes from a Leasing News Advertiser, BSB Leasing. It can be a refresher course to all those who present lease transactions, and a primer for those relatively new in business:

A "Complete Package" will get your transaction processed quickly and increase your chances for an Approval!

Over the past several weeks we have given you some ideas that should improve your probability of receiving an approval.

Packaging your transactions with complete information gets your deals priority attention.

BSB Leasing really wants to give you the highest quality of service and attention. Please help us to put your deals in a priority position by giving our credit analyst a "Complete Package."

Each Package You Send Us Should Include the Information Shown Below to be Considered "COMPLETE"

Three Consecutive Month's Bank Statements
Hint Review the statements! If deposits are minimal, find out why. Are there additional accounts? Is it a seasonal business with varying cash flow? Explain...

Complete Equipment Description

Hint Send us the invoice or quote. Is it a "new" or "used" ? Pictures are encouraged, if the asset is used or non-standard. If used equipment provide comparable values and condition reports. Be very specific as to how the equipment will be used.

Purpose of Acquiring the Asset? Can the Equipment be Justified?

Hint Since we would rather not guess or incorrectly assume anything about the lessee's motivation to acquire equipment, include this information! Is it replacement equipment? New equipment to fullfill a contract? How will the equipment benefit the business? Be specific.

Describe the Line of Business

Hint In some cases the business type is obvious but in many cases it isn't. Do not make us guess. Be specific. For example, residential-related contractors may not be desirable at the moment, however commercial or governmental contractors could be. Knowing this upfront helps us make an informed decision without having to pend your trasaction for clarification.

Who is the Applicant's Customer Base?

Hint This is critical when dealing with contractors and manufacturers! If we don't know, we will be asking you.

Provide a Realistic Annual Revenue Estimate

Hint This is especially important for companies that are servicing a seemingly high amount of debt. By knowing the relative size of the company via its revenues, we get through the issue of debt service.

Explain Excessive Inquiries and All Recent Leasing Inquiries.

Hint Don't make us guess how much debt a lessee is adding. Get explanations for recent inquiries. Be specific. Fully explain all recent leasing inquiries to include the full amount they are financing and the result of the other inquiries. If you have a history with the lessee please explain. You will increase your approvals by sharing more information - not less. Today most credit departments will decline a transaction rather then guess wrong as to how much a lessee is financing.

We Will Need Credit Applications or Credit Authorizations Signed and Dated.

Hint This is not our preference; however regulatory requirements are forcing us to require them when we review the original request. Unsigned applications will not be submitted into credit, so don't delay your application from being processed because of this requirement.

To Discuss a Transaction
Give Your Representative
a Call

Bruce Zwillinger
VP Broker Services
bzwillinger@bsbleasing.com
800.945.3372 x306
Direct Line 303.376.4669
Direct Fax 800.338.5225

Tom Kulisan
East Coast Broker Services
tkulisan@bsbleasing.com
800.945.3372 x334
Direct Line 303.376.4691
Direct Fax 800.338.5225

Randy Propeck
Broker Services
rpropeck@bsbleasing.com
Direct Line 520.638.6789
Direct Fax 888.693.1020

Vicki Shimkus, CLP
West Coast Broker Services
vshimkus@bsbleasing.com
Direct Line 425.373.4731
Direct Fax 888.488.4702

Working Together to get the Deal Done!

Utilizing a good write-up and having a "Complete Package" will help to ensure your deal gets looked at quickly, completely and increases your chances for an Approval.

BSB Leasing, Inc
6 Inverness Court East
Suite 125
Englewood, CO
80112
www.bsbleasing.com

[headlines]

#### Press Release ##############################
---------------------------------------------------------------------

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

News Briefs----

Signs of Revival In Retail, Banks
http://www.washingtonpost.com/wp-dyn/content/article/2009/04/09/AR2009040901727.html

Housing Recovery by State: 1 in 9 Open House
http://www.usatoday.com/money/economy/housing/2009-04-09-vacanthomes_N.htm

Jazz Alto Saxophone Great Bud Shank Passes Away
(enjoyed seeing him in person many times at the Lighthouse, Hermosa Beach, plus with various bands. One of my favorites when I played Alto myself. editor)
http://www.nytimes.com/2009/04/07/arts/music/07shank.html?scp=1&sq=Bud%20Shank&st=cse

[headlines]

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You May have Missed---

This miniature train set was built by twin brothers in 2001, and is the world's largest model train set . It measures 11,840 square feet in size, having 9 miles of track snaking along fields, cities, even the Swiss Alps. The 'Miniatur Wunderland' is located in Hamburg, Germany and is one of Germany's biggest attractions. The mini-train travels not only to various European countries but also to the US. Enjoy!
http://www.youtube.com/watch?v=PN_oDdGmKyA&feature=player_embedded

[headlines]

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

“Gimme that Wine”

Consumers flock to cheaper wines
http://www.pressdemocrat.com/article/20090407/ARTICLES/904079927/1339/BUSINESS?
Title=Consumers-flock-to-cheaper-wines

Wine Guy Gary Vaynerchuk Gets Million-Dollar Book Deal
http://www.businessinsider.com/wine-guy-gary-vaynerchuk-gets-million-dollar-book-deal-2009-4

U.S. Becomes Top Wine Drinking Nation
http://www.luxist.com/2009/04/08/u-s-becomes-top-wine-drinking-nation/

On Tap? How About Chardonnay or Pinot Noir
http://www.nytimes.com/2009/04/08/dining/08pour.html

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
The London International Vintners Exchange (Liv-ex) is an electronic exchange for fine wine.
http://www.liv-ex.com/

[headlines]

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Today's Top Event in History

1777-the Continental Congress held a lottery for the purpose of raising funds. The lottery was approved on November 1, 1776, and seven managers were appointed to conduct it. Treasury bank notes were awarded as prizes, payable at the end of five years. Funds were obtained by lottery by individual colonies at various times prior to this national lottery.

[headlines]
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This Day in American History

[headlines]

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Basketball Poem

[headlines]

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SuDoku

The object is to insert the numbers in the boxes to satisfy only one condition: each row, column and 3x3 box must contain the digits 1 through 9 exactly once. What could be simpler?

http://leasingnews.org/Soduku/soduko-main.htm

[headlines]

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Daily Puzzle

How to play:
http://www.setgame.com/set/puzzle_frame.htm

Refresh for current date:
http://www.setgame.com/set/puzzle_frame.htm

[headlines]

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http://www.gasbuddy.com/
http://www.gasbuddy.com/GB_Map_Gas_Prices.aspx
http://www.gasbuddy.com/GB_Mobile_Instructions.aspx

[headlines]

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Weather

See USA map, click to specific area, no commercials

http://www.weather.gov/

[headlines]

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Traffic Live---

Real Time Traffic Information

You can save up to 20 different routes and check them out with one click,
or type in a new route to learn the traffic live

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

[headlines]