Position Wanted – Collections
Prefers Long Island, NY - but Open

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.  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.

Senior level Credit, Collections and Risk Management professional with demonstrated competencies in portfolio management, credit analysis/underwriting, collections and risk management. Equally comfortable with leases and loans, detail-oriented with proven abilities to transform teams into high performance units through coaching, training and motivational techniques. My preference is to work on Long Island, NY, but everything is negotiable. jbsullivan46@gmail.com         Resume

 

 

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Leasing News Top Stories
August 5 - August 9

(Stories most opened by readers)

(1) Funders Taking "New" Broker Business List
     Four Do Not Require that Brokers Be Licensed
http://leasingnews.org/archives/Aug2019/08_09.htm#taking

(2) Marlin Business Services 10Q 2nd Quarter, 2019
 Plus Former Marlin Exec. Tells What His New Company is Not Doing
http://leasingnews.org/archives/Aug2019/08_05.htm#marlin

(3) New Hires/Promotions in the Leasing Business
   and Related Industries
http://leasingnews.org/archives/Aug2019/08_09.htm#hires

(4) Equipment Broker School
      For Brokers by Brokers
http://leasingnews.org/archives/Aug2019/08_05.htm#school

(5) TCF, Chemical Bank finish merger with eye out for
    buying more banks and expanding TCF Equipment Finance
https://www.crainsdetroit.com/banking/tcf-chemical-bank-finish-merger-eye-out-buying-more-banks

(6) Map - Where State Laws Allow Military-Style Weapons
 States with a ban on assault rifles and large capacity magazines
http://leasingnews.org/archives/Aug2019/08_07.htm#map

(7) Highest Paying Job in Each State
  Map
http://leasingnews.org/archives/Aug2019/08_09.htm#map

(8) Madison Capital Offers Numerous
   Resources You May Not Know We Offer
http://leasingnews.org/archives/Aug2019/08_09.htm#madison

(9) Walgreens to close 200 U.S. stores, starting this fall
    already announced cuts of up to 750 stores
https://www.chicagobusiness.com/retail/walgreens-closing-200-stores

(10) Chart - 80,000 People Killed By U.S. Gun Violence in 5 Years
  By Niall McCarthy, Statista
http://leasingnews.org/archives/Aug2019/08_07.htm#chart

 

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Types of Leases being used on the Street
Sales makes it Happen—by Christopher Menkin

In presenting a lease, you should be aware of all the types of leases that are available to the lessee. You should be familiar with them even if your company does not offer them.
It is a misconception to think there are only three types of leases:

1. Return the equipment (in working and satisfactory order at your expense)
2. $1.00 (Dollar out ;) a capital lease/finance
3. 10% residual (10% of the cost to lessor, not just the equipment,
   meaning often labor, delivery, and sales tax is included).
   Depending on the equipment, most often still a capital lease.
4. 10% guaranteed, often called a P.U.T. (Purchase upon terms).
   The lessee must pay 10%. Generally, if the lessor so requires,
   this is the term most often utilized. Still considered a "capital lease."
5. Fair Market Value: This is often not spelled out regarding
   the evaluation of FMV; perhaps the dispute resolution in the
   contract may be the legal resolution procedure. On the street,
   it generally means the difference between the wholesale price
   and the retail price, used often in vehicle FMV determination.
   Often three dealer wholesale and retail values are averaged to
   determine FMV.
   
   There are sub-definitions that may fit this:
6. 
       a. TRAC Lease
   A lease that contains a special provision called a "terminal rental adjustment clause.” The transaction looks and works like a balloon loan because the lessor transfers all residual value risk to the lessee. 
   Most commonly used in the vehicle leasing FMV's, particularly if fits a "blue book" end valuation.
7. 
       b. PRO Lease
   Often considered an opened ended lease, although there are those who on certain equipment define it as requiring an extra 12 or specified payments and then abandon the equipment.
       c. This is an in-between lease, often called a Synthetic Lease.
   A financing agreement structured to be treated as a lease for accounting purposes, but as a loan for tax purposes. 
   
   In addition to these residual definitions, there are other types of leases.

* Master Lease---Incremental fundings until all equipment delivered.

**Deposit Lease---Deposit to seller of equipment, interest only until equipment delivered and accepted.

* One hour driving time from our office, minimum $20,000 total lease
The Master Lease pays for equipment on a schedule of delivery of equipment, with the lessee paying "interest" interim rent until all the equipment is delivered and accepted, then the lease will start.

The Deposit Lease gives the seller a 25%, 50% up to 75% up-front deposit on the order. The lessee pays interim "interest" rent until all the equipment is delivered and accepted, then the lease will start.

One of the most popular is the deferred payment lease:

60 DAY DEFERRAL PLAN "A"
(90 DAY DEFERRED PAYMENTS)
A 60 Day Deferral Program in which the Lessee pays one month Security Deposit with documentation and then is not invoiced until 60 days after funding. Technically, the lessee does not make a first payment for ninety days after acceptance of equipment.

60 DAY DEFERRAL PLAN "B"
(90 DAY DEFERRED PAYMENTS)
This is a true 90 day Deferral Plan. With this program, one or two months security deposit is collected at the signing of the lease, and the lessee pays $25.00 for each of the first 3 months followed by the normal term of 36, 48, or 60 months.

90 DAY DEFERRAL PLAN
Technically, a 120 day plan as payment 4 due on fourth month.
One month security deposit is collected at the signing of the lease. The lessee pays $25.00 for each of the first 3 months followed by the normal term of 36, 48, or 60 months.
$19.95 Security Deposit

Used in small ticket leases more often than note is requesting minimal upfront costs to enter into a lease. That program is the $19.95 Security Deposit Program. With this program, the customer simply pays the $19.95 and is billed for the first payment.

7 x $100 PROGRAM
The lessee pays a $100.00 Security Deposit and has their first six payments at $100.00. This is followed by 30, 42, or 54 payments.

6 x $99 PROGRAM
With this program, the lessee pays two (2) Security Deposits totaling $198.00. Their first six payments are $99.00 followed by 30, 42, or 54 payments remaining in the lease.

STEP UP RATE PROGRAM
The Step Up Rate Program with reduced monthly payments for the first twelve months of the 3 to 5 year term leases offers attractive benefits for a number of different lessee's needs. It is an effective advantage to those customers who are particularly interested in maximizing their benefits versus cost during their first year of equipment use.

Waive Payment Voucher
The lessee may tailor their own payment plans with an option to remit up to three (3) vouchers a year, and six (6) vouchers total during the term of their lease, instead of making a full lease payment.

Requirements include:
1. Available on 36, 48, 60 month term only.
2. Lessee may utilize up to three vouchers per year, but not more than three consecutive payments.
3. Lessee pays $25.00 plus use tax with each voucher instead of a full lease payment.
4. Lessee must be current.

Annual, Semi-Annual, and Quarterly Payment Plan
Payments are made annually, semi-annually, or quarterly. This is popular for municipalities or government funded organizations.

Seasonal Payment Plan
This is for companies who have off seasons where they can choose three consecutive months they do not need to make a "monthly" payment. In effect, they make nine payments per year.

Sales Makes it Happen Collection:
http://leasingnews.org/Legacy/index.html

 

Help Wanted

 

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Travel Expenses for an Employment Interview

Career Crossroad---By Emily Fitzpatrick/RII

Travel costs will be handled one of three ways:

(1) Employer does not cover any expenses and you will be 100% responsible
(2) Employer will make all the arrangements and cover all costs
(3) Employer will have you make the arrangements, cover the costs, and you will be reimbursed either immediately after the interview OR within a two-week period

It should be the employer’s  responsibility to cover interview travel expenses  as a cost of doing business. Every client I have ever worked for has covered Candidates’ interview travel expenses.

However, many companies will have the Candidate make the travel and/or hotel arrangements and then reimburse them after the interview or will disperse a check covering all expenses via mail within a two-week period. In smaller organizations and for Remote Sales Positions, often we see the Hiring Manager travel to interview the Candidate.   

Make sure you discuss up front (in a phone/screening interview) with the Hiring Manager or the HR Representative, as they are more familiar with policies and procedures (write down the name of the person you spoke with and take notes). If a company employs a policy that does not cover ANY interview travel expenses, and you want the job, then be prepared to cover the cost but keep an itemized list for your tax records (speak to your accountant about deductions).

I suggest before agreeing to cover your travel costs, asking how firm your candidacy is; e.g., “I’m interested in this job and happy to pay my own way out there if you think I’m likely to be a match. However, before I do that, could you give me an idea of how strong a Candidate you think I am?" pay close attention to the answer. There is a big difference between “You’re our leading Candidate” and

“We’re interviewing eight people, and you’re all qualified.”

Emily Fitzpatrick
Sr. Recruiter
Recruiters International, Inc.
Phone:  954-885-9241
Cell:  954-612-0567
emily@riirecruit.com

Invite me to connect on LinkedIn
www.linkedin.com/pub/emily-fitzpatrick/4/671/76
Also follow us on Twitter #RIIINFO

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

 

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Why I Became a Certified Lease and Finance Professional

Russell Wilder
EVP, Chief Credit Officer
ATEL Capital Group, Inc.

At the time I took the exam, it was 1990 and then it was known as the Certified Lease Professional Foundation. The CLP designation was pretty new. I had been an active attendee to many WAEL (Western Association of Equipment Lessors -now known as National Equipment Finance Association) events from 1985-1989 when I ran a small ticket leasing operation for Fireside Thrift Co., which was and still is, primarily a consumer lending outfit.

About the middle of 1989, Fireside's ownership structure was changed. What was formerly a subsidiary of Teledyne, Inc. became a subsidiary of a new holding company spun off from Teledyne that had a bunch of finance and insurance firms Teledyne had acquired over the years. Shortly thereafter, the senior honchos at the new holding company parent visited Fireside's headquarters where my office was located and discovered that the largest branch (in terms of loans on the books) of Fireside Thrift was in fact a business equipment financing operation. As there were some recent changes in our regulatory environment from the state, as part of some refocusing of Fireside's operations, it was decided to shut down my operation as my operation was like a square peg trying to fit into a pegboard with round holes.

After my severance from Fireside Thrift at the end of 1989 and spending a couple of months trying to find a new job, I started laying the groundwork to become a lease broker. As Fireside Thrift had exited the business, they let me take the entire contact list of every lessee we had ever dealt with in the nearly five years I was there so I thought I would have a good start on the marketing side. At the time, I thought having the CLP designation would give me more credibility in developing potential funding sources at least, if not my customer base. I signed up to take the CLP exam.

Back then, the CLP Handbook had not been developed yet but WAEL did run a one or two day cram course for the exam and I flew down to southern California to take it. Today they have a three day academy, plus the CLFP Handbook to study beforehand. Don’t get me wrong, the cram course was a very useful course, especially on the use of the HP 12C. While I had by then been in the equipment financing and leasing industry twelve years on the credit, documentation, collection and other operations end, I had never been on the sales side and really had very little experience doing lease pricing as I had mostly just been "PVing" rental streams on leases discounted to Fireside Thrift or my prior employers.

The exam itself was like taking three blue book finals in college all in the same day. My writing hand was very fatigued by the end of the exams.

After getting the CLP designation, I tried brokering leases and learning the sales side. I believe having the CLP designation was useful in lining up potential funding sources when I was getting the brokering operation set up as I did not have much trouble getting approved by any.

I was not successful as a broker though. Primarily this was because I had no training in sales. Also my timing of entry was poor as Gulf War I had broken out in August 1990 and the economy went into a mild recession. Firms I contacted were not acquiring new equipment unless they absolutely had to.

While brokering deals I was still trying to get full time employment with an equipment financing or leasing firm or a bank. By the early 1990s many of the firms that had branches in the Bay Area that competed with my former employers in the equipment financing industry (Westinghouse Credit Corporation, Wells Fargo Leasing Corporation) had either closed down their offices in the Bay Area entirely or vastly reduced the headcounts here to just sales offices so there was much less opportunity in the area than when I had started in 1978.

I think I was able to get maybe two or three interviews with equipment leasing or financing firms in two years. To any of them that were WAEL members at the time, I think having the CLP designation was a plus. In reality, I did not get any job offers as nearly all the firms I spoke with ended up closing their offices in the Bay Area in the next year or two.

I suspect the senior management of those offices became aware of the likelihood of their closing down in the near future while I was in the interview process.

I also applied to banks as I figured my credit and collections experience would be transferable skills and experience to a bank's commercial or corporate lending groups, especially since I had undergone one formal training program while at Wells Fargo Leasing Corporation that was designed for the bank's commercial and corporate lending groups.

What I found though was that banks by and large did not want to talk to me. My perception was that bankers did not understand leasing and did not see how anyone with a leasing background had experience applicable to their needs. My having the CLP designation meant nothing to any banks I was able to interview with. To say the least, I was getting pretty discouraged, and was barely making a living as a lease broker. Trying to move from credit into sales was not working for me, and maybe those who I was interviewing with thought that was what I really wanted to do. It wasn't.
Ultimately, after a few months of "off and on" conversations with ATEL founder AJ Batt, who was quite a unique man, I joined ATEL in the fall of 1992.

The CLFP designation has always meant something to me as I have renewed it now two or three times. When ATEL was actively in the small ticket market the packages I received from brokers that had the CLP got a bit more consideration from me as they were clearly more complete, organized and otherwise more professionally packaged than most submissions via brokers. I think more leasing professionals having the CLFP would definitely improve the overall caliber of professionalism within the industry and any serious broker should seek the designation.

Today there are 766 active Certified Leasing & Finance Professionals and Associates in the United States, Canada, and Australia. The foundation has come a long way with many professionals who are proud to put the designation after their name.

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CLFP Academy Classes for Lease & Finance Professionals
  Attendance Update

The Academy for Lease & Finance Professionals (ALFP) is a three-day event designed to fully prepare an individual to sit for the CLFP exam assuming the attendee has read and studied The Certified Lease & Finance Professionals’ Handbook prior to attending.

On the first two days, all of the required sections of the CLFP exam are covered in-depth. On the third day, the exam is offered, but not mandatory. http://www.clfpfoundation.org/alfp.php

September 26, 2019
Hosted by International
Decision Systems (IDS)
8:00AM (UTC-06:00)
Ends: Saturday, September 28
5PM (UTC-) 6:00

Location: TBD, Minneapolis, MN

Spaces Left: 5
Registered: 24 registrants
http://www.clfpfoundation.org/event-3406090

November 14, 2019
Hosted by Odessa
Start: Thursday, November 14
8:00AM (EST)
End: Saturday, November 16
4:00Pm (EST)

Location: Two Liberty Place, 50 S. 16th St., 
Suite 2300, Philadelphia, PA 19102
 (For clarity on ease of access, entrance is on 16th Street between Chestnut  and Market Streets)

Spaces Left: 2
Registered: 28 Registrants
http://www.clfpfoundation.org/event-3242914 

Hotels (with Odessa corporate rate):
The Windsor Suite, 1700 Benjamin Franklin Pkwy, Philadelphia, PA 19103
https://www.thewindsorsuites.com/ 

Corporate Rate of $149/night

For reservations call (215) 207-9942 or email reservations@thewindsorsuites.com and let them know you would like the Odessa Technologies, Inc. rate.

Cambria Hotel & Suites - Philadelphia Downtown Center City, 219 S. Broad Street, Philadelphia, PA 19107
https://www.choicehotels.com/pennsylvania/philadelphia/cambria-hotels/pa776?source=gyxt 

Corporate Rate of $149/night

For reservations: Call the Cambria hotel and Suites at 800-4CHOICE or the hotel directly at 
215-732-5500 and ask for the Odessa Technologies, Inc. rate.
Book directly online at www.cambriaphiladelphia.com and use the code LODESS

Recommended Hotels (without corporate rate): 
The Westin, 99 South 17th Street at Liberty Place, Philadelphia, PA 19103
(215) 563-1600
http://www.starwoodhotels.com/westin/property/overview/index.html?propertyID=1231&SWAQ=958C

Club Quarters, 1628 Chestnut St (at 17th Street), Philadelphia, PA 19103
(215) 282-5000
https://clubquartershotels.com/locations/club-quarters-hotel-philadelphia

Dress code:
Business casual - jeans okay!

For more information, please contact Reid Raykovich, CLFP at: reid@CLFPFoundation.org 

 

For use if you take the CLFP Exam in 2020, use sixth edition if taking the test this year)

The Handbook is available for purchase through the Foundation’s website and also through Amazon.  The 2019 CLFP Exam will continue to be based on the Sixth Edition of the Handbook, and in 2020, the Exam will be updated to reflect the new content.

www.clfpfoundation.org

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The National Association of Realtors has released a report showing that foreign demand for U.S. residential property is evaporating. Between April 2018 and March 2019, foreigners purchased 183,100 properties with an average price of $426,100, totaling $77.9 billion. That represents a 36 percent drop on the year before when buyers from overseas snapped up 266,800 properties which each averaging $454,600, adding up to $121 billion.

The slump was driven by many factors such as slower economic growth abroad, tighter capital controls in China, a stronger U.S. dollar and a low inventory of homes for sale, all of which have combined to imply less confidence in owning a U.S. property. As in the past, Florida was once again the epicenter of investment and the Sunshine State attracted 20 percent of all foreign buyers from April 2018 to March 2019. California came second with 12 percent while Texas rounded off the top-three with 10 percent.

For the seventh year in succession, Chinese buyers pumped the most money into the U.S. residential property market and the dollar value of their purchases added up to $13.4 billion. As impressive as it sounds, it actually represents a 56 percent decline on the previous 12-month period when purchases totaled $30.4 billion. Canadians had the second highest purchase volume at $8 billion while buyers from India came third with $6.9 billion.

Chart and Article  by Nial McCarthy, Statista

https://www.statista.com/chart/18938/foreign-buyer-residential-property-purchases-in-the-us/

Pittie Mix
Patchogue, New York  Adopt-a-Dog

Josephine is a two year old, female, spayed pittie mix rescued from a high kill shelter down South. She is such a sweet girl, good with kids and other dogs. As with many of the southern dogs, she is heartworm positive. She received her first heartworm treatment and AH will cover the remaining treatments.

Almost Home Animal Rescue
(631) 627-3665
646 Route 112
Patchogue, NY 11772

How to Adopt and Adoption Fees:
https://almosthomeli.org/how-to-adopt-and-fees/

Application:
https://almosthomeli.org/pet-adoption-application/

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Co-Chair NEFA October Funding Symposium
Changes Presentation for October 2-4, 2019

Dale Kluga, President, Providence Equipment Financial Services, a Division of Providence Bank & Trust. announces change for the National Equipment Finance Association (NEFA) 2019 Funding Symposium, October 2, 2019 to October, 4, 2019 to be held aat the JW Marriott Atlanta Buckhead, Atlanta, Georgia.

"I wanted to provide a more interactive approach for attendees participating in the educational sessions at NEFA’s Funding Symposium, he explained. “As a result, we'll be changing it up a bit for some sessions into a hometown meeting format with the intention of encouraging attendees to actively participate in each session. We recognize the depth of industry knowledge from our NEFA members –which should provide one of the most interesting and insightful session formats in NEFA’s history.”

A Sneak Peek at What's on the Schedule:

* Opening General Session & Keynote Speaker
   Adam James, Leadership Trainer: Sights, Sounds & Success
* Women Entrepreneurs in Equipment Finance – Challenges and Success Stories
* Titled Vehicles – Updates on Legal Issues Facing Transportation Financiers in the U.S. and Canada
* The Art and Science Behind Raising Capital for Your Business
* Broker Panel – Real-life Perspectives from Equipment Finance Brokers
* Marketing Trends for 2020 and Beyond; Are You Prepared?
* Legal Smorgasbord – Various Legal/Regulatory Issues Faced by Equipment Finance Companies
* Funding Non-Conforming Paper – Understanding the Nuances
* The Future of Fintech Models in Equipment Finance
* Technology at High Speed – What to Consider When Building a New Platform
* Recruiting and Retaining Talented Professionals in a Competitive Landscape

Speakers:
https://eventmobi.com/19symposium/people/1a1da5dd-172e-4e29-8719-88262d765dd5

Exhibitors:
https://eventmobi.com/19symposium/companies/468c27f3-97a9-416d-9b60-b78f58405a29

2019 Funding Symposium Pricing Template
https://www.nefassociation.org/page/19SymPricingTemp

News Briefs----

Restaurant performance hits a wall in July
   intensified by staffing headaches
https://www.nrn.com/news/restaurant-performance-hits-wall-july-intensified-staffing-headaches

Bankruptcy filings rising across the country
   and it could get worse
https://nypost.com/2019/08/11/bankruptcy-filings-rising-across-the-country-and-it-could-get-worse/

Three of Europe's biggest economies are probably in recession
   — and the ECB is out of bullets
https://markets.businessinsider.com/news/stocks/germany-italy-uk-are-headed-for-recession-and-ecb-is-out-of-tools-2019-8-1028435638

Summer in the City Is Hot, but
   Some Neighborhoods Suffer More
https://www.nytimes.com/interactive/2019/08/09/climate/city-heat-islands.html

 

 

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You May Have Missed---

What Worries Iceland? A World Without Ice. It Is Preparing.
https://www.nytimes.com/2019/08/09/business/iceland-ice-melt-global-warming-climate-change.html

 

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Baseball Poems
by Dan Zamudio

Bat boy

Steady
breeze rustles his
oversized uniform
as he kneels outside our home team
dugout

and waits
patiently for
the moment when both hands
will hold smooth pine still trembling from

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Sports Briefs---

Simone Biles just became the first gymnast to land
   a double-double dismount, and it's incredible
https://www.cnn.com/2019/08/10/us/simone-biles-double-double-trnd/index.html

Serena Williams Withdraws From Rogers Cup Final vs. Andreescu
https://www.nytimes.com/2019/08/11/sports/tennis/serena-williams-rogers-cup-bianca-andreescu.html?action=click&module=Well&pgtype=Homepage&section=Sports

Top eight takeaways from Raiders’ win over Rams
https://www.eastbaytimes.com/2019/08/10/top-eight-takeaways-from-raiders-win-over-rams/

49ers vs. Cowboys: Three studs, three duds
https://www.mercurynews.com/2019/08/11/49ers-vs-cowboys-three-studs-three-duds/

Watch Patrick Mahomes and Andy Reid speak
   to the media after the 38-17 win over the Bengals
https://www.arrowheadpride.com/2019/8/11/20800661/video-watch-patrick-mahomes-and-andy-reid-speak-to-the-media-after-the-38-17-win-over-the-bengals

A guy who talked his way into a tryout with the Browns
    scored an 86-yard touchdown
https://www.cnn.com/2019/08/09/us/nfl-rookie-sheehy-guiseppi-touchdown-trnd/index.html

Pocket Radar’s speed-tracking devices help athletes
  track pitching and hitting velocity
https://www.pressdemocrat.com/business/9878139-181/pocket-radars-speed-tracking-devices-help

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California Nuts Briefs---

The Ultimate San Francisco Bay Area Outdoors Guide
https://projects.sfchronicle.com/guides/bay-area-outdoors/

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“Gimme that Wine”

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

Meet Brenae Royal, the young, black female farmer
    behind one of Sonoma’s most important vineyards
https://www.sfchronicle.com/wine/article/1880s-vineyard-in-good-hands-14290399.php

What will the new grape varieties mean for Bordeaux?
https://www.decanter.com/wine-news/opinion/news-blogs-anson/anson-what-will-the-new-bordeaux-grape-varieties-mean-421927/

The most expensive wines of the world
https://www.wine-searcher.com/most-expensive-wines

Free Wine App
https://www.nataliemaclean.com/mobileapp/

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

This Day in History

    1508 - Ponce de Leon arrived in Puerto Rico. Spain had appointed him to colonize Puerto Rico. He explored Puerto Rico and Spanish ships under his command began to capture Bahamanian Tainos to work as slaves on Hispaniola. His settlement at Caparra, 2 miles south of San Juan Bay, was plagued by Taino Indians and cannibalistic Carib Indians. 
    1553 - Pope Julius III orders confiscation and burning of the Talmud. Religious prosecution of Jews in Europe becomes prevalent for the next two centuries, as many then migrated to the United States to escape growing religious prosecution. 
    1585 - The first letters written in English in America were the four letters of Ralph Lane, the first commander of Raleigh's first colony at Roanoke Island, NC, Porte Ferdynando. 
http://www.britannia.com/bios/rlane.html 
Here is Lane's Report from his letters: 
http://www.nationalcenter.org/ColonyofRoanoke.html 
    1658 – The first police force in the colonies was established in New Amsterdam.
    1676 - King Phillip’s War (1675-1676) ended when the Wampanoag leader was surprised and shot by an Indian in the service of Captain Benjamin Church near Mt. Hope, Rhode Island. King Phillip was the son of the chief of the Wampanog tribe. The conflict had grown to include the Wampanoag, Nipmuck, Narragansett, Mohegan, and Podunk tribes and ended with their virtual destruction, opening southern New England to unimpeded colonial expansion. 
    1778 - A Rhode Island hurricane prevented an impending British-French sea battle, and caused extensive damage over southeast New England. 
    1833 - Chicago incorporates as a village of about 350 
http://www.chipublib.org/004chicago/timeline/originame.html 
    1833 - Birthday of Lillie Devereux Blake (1833-1913) in Raleigh, NC.  U.S. writer and suffrage activist. Widowed, she turned to writing to support herself. Prolific, she used a dozen pseudonyms as she churned out newspaper and magazine articles and novels. She was a main contributor to Elizabeth Cady Stanton's “Woman's Bible” that may be found in WOAH's library - http://www.undelete.org/library/library0041.html.  See some quotes below in Quotes du Jour. She led successful campaigns to have women matrons or physicians on duty at public institutions and police stations where it was customary to have males supervise jailed women in ALL aspects of their lives, often alone. The women had no way to object to any kind of treatment by the male guards, including rape or beatings. She also was successful in having wives declared joint guardians of minor children in New York State, a provision that soon spread to other states. Up to the late 1890s, despite propaganda today by ultra-conservative forces, men had SOLE custody of his children and the mother had NO rights. 
    1835 - The City of Canaan, NH votes to remove the Noyes Academy (black school) from their city and a group attacks it, breaking windows, and threatening to tear down the building. The building survives, Blacks leave, according to many diary accounts, and a year later, after it is repaired at city expense, it burns down, according to one report. 
http://freepages.history.rootsweb.com/~townsend/HoC/HoC272.html 
    1834 - Dental amalgam for filing teeth was introduced by Messrs. Carcour and Sons, who first started advertising in the New York Commercial Advertiser, as "Royal Mineral Succadaneum for filling decayed teeth without the slightest pain, heat or pressure."  They filled all cavities without first removing decay. Their work was unsatisfactory and they were obliged to flee the country. 
    1851 - Isaac Merritt Singer (1811-75) developed the sewing machine for use in homes and received a patent for a rocking treadle or double treadle. He used a treadle similar to that employed in old spinning wheels and attached it by means of a pitman to the handle on the driving gear of the machine.
    1851 – In the first America’s Cup yacht race, the U.S. schooner America beat the British yacht Aurora. 
    1856 – Diamond Jim Brady (1856-1917) was born James Buchanan Brady in NYC.  At 23, Brady parlayed his knowledge of the rail transport industry and its officials to become a highly successful salesman for a railroad supply company. Known for his penchant for jewels, especially diamonds, he collected precious stones and jewelry in excess of US$ 2 million (equivalent to approximately $56,696,000 in 2015 dollars). He was known for being the first person in New York City to own an automobile, in 1895. 
    1858 - William and Ellen Demorest of New York devised paper sewing patterns, publishing them in magazine. They cut apart stylish dresses and recreated them in tissue-paper versions packaged in large envelopes, which they sold mainly by mail order. Their company was notable in its time for being run jointly by a married couple and for employing African-Americans and whites equally. The business was eventually eclipsed by e. Butterick and Company of New York City, bounded in 1867 by Ebenezer and Eleanor Butterick of Sterling MA, who had received a patent for paper sewing patterns. In 1866, Excelsior Needle of Wolcottville, CT, organized with $20,000 of capital, sped the sale of sewing machines with a means of making uniform sewing needles at a very low cost rather than the crude needles previously made. Singer at this time started lay-away plans, trade-in plans, leasing of sewing machines for clothing manufacturers (seasonal and long term), and in 1876 introduced the first sewing machine lamp holder. IT "quite obviated the difficulty experienced by operators when sewing at night" because the lamp would not" jar off the table or upset" and it could "be moved without soiling the fingers (patented by Ludwig Martin Nicolaus Wolf of Avon, CT). In 1889, the first electric sewing machine was manufactured by the Singer Manufacturing Company at its factory in Elizabethport, NJ. 
    1859 - Birthday of Katherine Lee Bates (1859-1929) in Falmouth, MA. American English teacher. She published over 20 books, but is best remembered today for writing the patriotic hymn, "America, the Beautiful" (a.k.a. "O Beautiful for Spacious Skies"). 
    1862 – Confederate Gen. John Hunt Morgan and his raiders capture Gallatin, TX. 
    1863 - Confederate raider William Quantrill led a massacre of 150 men and boys in Lawrence, Kansas. Quantrill's last ride. 
    1867 - President Andrew Johnson sparked a move to impeach him as he defied Congress by suspending Secretary of War Edwin M. Stanton. 
    1867 - Birthday of Edith Hamilton (1867-1963) in Dresden, Germany.  U.S. classicist, author and authority on ancient Greece and mythology. She was headmistress of Bryn Mawr School in Baltimore (founded by Mary E. Garrett and M. Carey Thomas). She remained headmistress for 26 years until what has been termed a "disagreement" with Thomas in 1922. In her retirement, she was able to devote herself to her classical studies and writing and a second career that has made her a popular writer even today.  At age 90, she was made an honorary citizen of Athens in recognition of her scholarly writings. She started “The Greek Way” (1930) and published a series of astoundingly easy to read yet scholarly books including the ever-popular “Mythology” (1942) that is still in print. Her other books are “The Roman Way” (1932), “The Prophets of Israel” (1936), “Three Greek Plays, translations from Aeschylus and Euripides” (1937), “Mythology” (1942), “Witness to the Truth: Christ and His Interpreters” (1949), “The Great Age of Greek Literature (an expansion of The Greek Way” (1943), “Spokesmen for God (an expansion of The Prophets of Israel” (1949), and “The Echo of Greece” (1957). In 1922, she began living with Doris Field Reid for the rest of her life, "staying home to keep house" and write while Reid continued as a noted investment banker. The couple bought a summer home on Mount Desert Island and later moved to New York City from Baltimore when Reid received the opportunity to go with a noted Wall Street firm. Hamilton later followed Reid to Washington when Reid was made head of the firm's offices there.
    1877 - Thomas Edison completes his first model of a phonographic player. http://memory.loc.gov/ammem/today/aug12.html 
    1880 - Birthday of famed American baseball player Christopher (Christy) Mathewson (1880-1925), one of the players named to Baseball Hall of Fame’s inaugural class. Born at Factoryville, PA, he was a college graduate, and considered one of baseball's first clean-cut stars. He pitched three complete game shutouts during the 1905 World Series. In 17 years, he won 373 games while losing 188 and striking out 2,499 players.  He played his entire career with the New York Giants. He was among the most dominant pitchers of his (or any) era and ranks in the all-time top-10 in major pitching categories including wins, shutouts, and ERA. In fact, he is the only pitcher in MLB history to rank in the top ten both in career wins and in career ERA.  Mathewson served in the US Army’s Chemical Warfare Service in World War I, and was accidentally exposed to chemical weapons during training; his respiratory system weakened from the exposure, he contracted TB and subsequently died of the disease
    1881 - Birthday of Cecil B. DeMille (1881-1959), film pioneer, born at Ashfield, MA. Cecil Blount De Mille was a film showman extraordinaire known for lavish screen spectacles.  He produced more than 70 major films which were noted more for their large scale than for the subtle artistry. He produced one of the earliest four-reel films, "The Squaw Man," in 1913, which boasted the first use of indoor lighting on an actor and was the first film to publicize the names of its stars. His other innovations included the sneak preview and the idea of producing different versions of a popular film. His films include, "The Crusades," "The Sign of the Cross," "King of Kings," "Cleopatra," "The Plainsman," "The Buccaneer," "Reap the Wild Wind" and "The Ten Commandments," which was made in 1923 and then in a new version in 1956. DeMille was awarded an Oscar for "The Greatest Show on Earth" in 1953. 
    1892 - The Baltimore Orioles removed outfield posts‚ around which ropes holding back overflow crowds would be wrapped‚ after a batted fair ball struck a post and bounced back toward the infield‚ forcing the batter to stop at second base. Another factor in the decision is an incident three days earlier in which the Oriole RF missed a sure catch when he ran into a post. 
    1896 – Hall of Famer Nap Lajoie who batted .429 in the minors, made his Major League debut for the Philadelphia Phillies going 1-for-5 in a 9-0 win over Washington.
    1896 – Gold was discovered in Dawson, Yukon Territory.  Some 30,000 miners swarmed to the Yukon and many eventually found their way to Alaska and discovered gold there as well.
    1898 - The first island territory annexed by the federal government was the Hawaiian Islands. The treaty was signed on June 16, 1867, by John Sherman, secretary of state. A joint congressional resolution to provide for annexation was passed on July 7, 1898 and were formally annexed this day, to become known after their largest island, Hawai’i.  The flag of Hawai’i was lowered from ‘Iolani Palace in an elaborate annexation ceremony and replaced with the US flag to signify the transfer of sovereignty from the Republic of Hawai’i to the US. 
http://www.uwec.edu/Academic/curric/greidebe/Indigenous/
Student.Web.Pages/Hawaii/HISTORY%20II.htm 
    1898 - The brief and one-sided Spanish-American War comes to an end when Spain formally agrees to a peace protocol on U.S. terms: the cession of Cuba, Puerto Rico, and Manila in the Philippines to the United States pending a final peace treaty. 
    1910 – Jane Wyatt (1910-2006) was born in Mahwah, NJ.  She starred in a number of Hollywood films, but is best known for her role as the wife and mother on the television comedy series, “Father Knows Best,” and as Amanda Grayson, the human mother of Spock on “Star Trek.” Wyatt was a three-time Emmy Award-winner. 
    1912 - Three men attacked Ty Cobb on his way to the Detroit rail station. Cobb sustained a cut on his shoulder, but he caught one of his attackers and pistol-whipped him. Cobb then traveled to Syracuse where he got two hits in an exhibition game. 
    1915 - "Of Human Bondage," by William Somerset Maugham, published 
    1918 – Sid Bernstein (1918-2013) was born in NYC.  Bernstein changed the American music scene in the 1960s by bringing The Beatles, The Rolling Stones, Herman’s hermits, The Moody Blues, and The Kinks to America. He was the first impresario to organize rock concerts at sports stadiums, first at Shea Stadium for the Beatles first US appearance, and later at Madison Square Garden.
    1923 - Victor Cine Camera introduced the first portable movie camera. It weighed five pounds and cost $55. Today it was first advertised and Charlie Chaplin was one of the first customers. 
    1927 – “Wings” the only silent film to win an Oscar, opened.
    1929 - Birthday of Alvis Edgar "Buck" Owens (1929-2006), singer and songwriter, Sherman, TX. 
    1930 – Progressive George Soros, the 30th richest man in the world, was born in Hungary.
    1933 - The temperature at Greenland Ranch in Death Valley, CA, hit 127 degrees to establish a U.S. record for the month of August. 
    1934 – The Babe played his final game at Fenway Park, where it all began.  Nearly 42,000 fans jammed the park, whose stated capacity is approximately 37,000, to pay their respects to their former hero.  
    1936 - The temperature at Seymour, TX hit 120 degrees to establish a state record. 
    1947 - Top Hits 
“Peg o' My Heart” - The Harmonicats 
“I Wonder, I Wonder, I Wonder” - Eddy Howard 
“Chi-Baba, Chi-Baba” - Perry Como 
“Smoke! Smoke! Smoke! (That Cigarette)” - Tex Williams 
    1950 - The New York Giants defeated the Ottawa Rough Riders of the Canadian Football League, 27-6, in an exhibition game played at Ottawa. The Giants thus became the first NFL team to play outside the US. 
    1950 – Bloody Gulch Massacre:  75 American POWs were massacred by the N. Korean Army.   
    1951 - The New York Giants (59-51) started the day 13 games behind first place Brooklyn (70-36). They swept the Phillies in a doubleheader to launch a 16-game win streak and a spurt of 39 wins in 47 games. They wound up tied with the Dodgers for first, won the playoff on Bobby Thomson’s “Shot Heard ‘Round the World” and lost to the Yankees in the World Series.
    1953 – Yankees P Whitey Ford had 4 hits in a 22-1 win over the Philadelphia A’s.  Yogi Berra and Billy Martin each had 5 hits and Hank Bauer scored 5 runs. 
    1955 - The US Government set the first minimum hourly wage of one dollar. It was set at $3.10 effective January 1, 1980, and at $4.25 effective April, 1991. 
    1955 - During the second week of August, Hurricanes Connie and Diane produced as much as 19 inches of rain in the northeastern U.S., forcing rivers from Virginia to Massachusetts into a high flood. Westfield, MA was deluged with 18.15 inches of rain in 24 hours, and at Woonsocket, RI the Blackstone River swelled from seventy feet in width to a mile and a half. Connecticut and the Delaware Valley were hardest hit. Total damage in New England was $800 million and flooding claimed 187 lives. 
    1955 - Top Hits 
“Rock Around the Clock” - Bill Haley & His Comets 
“Ain't that a Shame” - Fats Domino 
“Learnin' the Blues” - Frank Sinatra 
“I Don't Care” - Webb Pierce 
    1958 – Art Kane photographed 57 notable jazz musicians in the black and white group portrait "A Great Day in Harlem" in front of a brownstone in New York City. 
    1959 - Little Rock, Arkansas responded to a Federal Court order with the token integration of two public schools (six blacks were admitted).  White mobs protested and there was major confrontation. Ironically, today there is a placard celebrating the history of this "event." 
    1959 - Bobby Darin signed his first movie contract, a million-dollar, six-year, six-picture deal with Paramount Studios. He would go on to secure a nomination for Best Supporting Actor in 1962. 
    1960 - The first communications satellite was Echo 1, a 26.5-inch magnesium sphere launched by a Thor-Delta rocket at 5:30am from Cape Canaveral, FL. The satellite went into orbit at 7:45am after the three stages of the rocket had been fired successfully. A tape message was transmitted from Goldstone, CA, bounced off the satellite, and received by the Bell Laboratories at Holmdel, NJ. This eventually revolutionized the communication industry from radio and television news, miniature portable telephones, Internet and geographic location at extremely low costs and very high efficiencies. 
    1963 - Top Hits 
“Fingertips - Pt 2” - Little Stevie Wonder 
“Wipe Out” - The Surfaris (The “A” side was “Surfer Joe.”
“(You're the) Devil in Disguise” - Elvis Presley 
“Ring of Fire” - Johnny Cash 
    1963 - The Four Seasons sued their struggling first label, Vee Jay, for non-payment of royalties and moved to Mercury/Philips Records. This would be the first of a long line of incidents that would doom the label. 
    1963 – Hall of Famer Stan Musial announced his retirement at season’s end.
    1964 - Race riot in Elizabeth, NJ. 
    1964 – For the 10th time in his career, then a record, Mickey Mantle hit HRs from both sides of the plate.  One traveled 502 feet.
    1965 - Race riot in West Side of Chicago, IL. 
    1966 - Longview, TX radio station KLUE-AM organized the first of the "Beatles bonfires," where ex-Beatle fans burned the groups' records in protest of John Lennon's recent "bigger than Jesus" comment. KLUE's radio tower was struck the next morning by lightning, throwing the station off the air. Meanwhile, Cleveland's Reverend Thurman H. Babbs, of the New Haven Baptist Church, calls for the excommunication of all Beatles fans. 
    1967 - A planned Joan Baez concert at Washington DC's Constitution Hall was canceled after the Daughters of the American Revolution protested her recent anti-war remarks concerning Vietnam. 
    1968 - WORLEY, KENNETH L., Medal of Honor. 
Rank and organization: Lance Corporal, U.S. Marine Corps, 3d Battalion, 7th Marines, 1st Marine Division (Rein), FMF. Place and date: Bo Ban, Quang Nam Province, Republic of Vietnam, 12 August 1968. Entered service at: Fresno, Calif. Born: 27 April 1948, Farmington, N. Mex. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving as a machine gunner with Company L, 3d Battalion, in action against enemy forces. After establishing a night ambush position in a house in the Bo Ban, Hamlet of Quang Nam Province, security was set up and the remainder of the patrol members retired until their respective watch. During the early morning hours the marines were abruptly awakened by the platoon leader's warning that "grenades" had landed in the house. Fully realizing the inevitable result of his actions, L/Cpl. Worley, in a valiant act of heroism, instantly threw himself upon the grenade nearest him and his comrades, absorbing with his body, the full and tremendous force of the explosion. Through his extraordinary initiative and inspiring valor in the face of almost certain death, he saved his comrades from serious injury and possible loss of life although 5 of his fellow marines incurred minor wounds as the other grenades exploded. L/Cpl. Worley's gallant actions upheld the highest traditions of the Marine Corps and the U.S. Naval Service. He gallantly gave his life for his country. 
    1969 - The Boston Celtics NBA championship basketball team was sold for $6,000,000; the highest dollar figure ever paid, to that time, for a pro basketball team. 
    1969 - Chuck Berry, Jethro Tull, Chicago Transit Authority, The Youngbloods and The Loading Zone @ San Francisco Fillmore West. 
    1970 - The Hollywood Bowl holds a memorial concert for recently deceased folk legend Woody Guthrie, featuring (among others) Bob Dylan, Arlo Guthrie, Richie Havens, Pete Seeger, Odetta, and Tom Paxton. 
    1970 – Curt Flood lost his $41 million suit against Major League Baseball.  Flood became one of the pivotal figures in the baseball’s labor history when he refused to accept a trade following the 1969 season, ultimately appealing his case to the Supreme Court. Although his legal challenge was unsuccessful, it brought about additional solidarity among players as they fought against baseball's reserve clause and sought free agency, now commonplace.
    1971 - Birthday of tennis player Pete Sampras, Washington, DC. 
    1971 - Top Hits 
“How Can You Mend a Broken Heart” - The Bee Gees 
“Take Me Home, Country Roads” - John Denver 
“Beginnings/Color My World” - Chicago 
“I'm Just Me” - Charley Pride 
    1972 - The last United States ground combat forces in Vietnam were withdrawn. 
    1973 - Golfer Jack Nicklaus won his 14th major golf title, breaking a record held for nearly 50 years by Bobby Jones. Nicklaus won the PGA Championship for the third time.  Nicklaus finished his career with 18 major championships, still the best.
    1974 – New York Yankee teammates Mickey Mantle and Whitey Ford were inducted into the Baseball Hall of Fame, the first teammates to be so honored simultaneously.
    1975 - Marking his first real appearance on the national radar, Bruce Springsteen and the E Street Band performed the first of five sold-out shows at New York's Bottom Line. 
    1978 - The Commodores have their first US number one single with "Three Times a Lady". Lionel Richie would later explain that he wrote the song after hearing his father give a touching speech at his 37th anniversary party. 
    1979 - Top Hits 
“Bad Girls” - Donna Summer 
“Good Times” - Chic 
“The Main Event/Fight” - Barbra Streisand 
“Suspicions” - Eddie Rabbitt 
    1980 - Songwriter, producer, and artist Todd Rundgren, his female companion, and three others were victims of a home invasion at his house in Woodstock, NY, bound and gagged by four masked intruders who stole art, stereo equipment, and recording equipment. One of the criminals hummed Todd's 1972 hit "I Saw the Light" to himself as the robbery takes place. 
    1981 - IBM (International Business Machines) introduced the Model 5150 PC (personal computer). The IBM PC ran on the Intel 8088 microprocessor at 4.77 MHz with one or two 160K floppy disk drives. It had 16 kilobytes of memory, expandable to 256k, five 8-bit ISA slots, a 65-watt power supply, no built-in clock, no built-in serial or parallel ports, and no built-in video capability -- it was available with an optional color monitor. MS-DOS 1.0/1.1 was issued with the PC (IBM later released its own operating system: PC-DOS). Prices started at $1,565. The IBM PC was a smashing success and IBM quickly became the #1 microcomputer company, with Apple dropping to #2, primarily because it was one-third the cost and available at Sears-Roebuck and many other retail stores, plus direct from IBM with a lease-finance plan both for consumers and business, including many start-ups (it followed their typewriter leasing-finance plan with maintenance available). 
    1982 – Mexico announced that it is unable to pay its enormous external debt, marking the beginning of a debt crisis that spreads to all of Latin America and the Third World.  Citi’s then CEO, Walter Wriston, a holder of a considerable amount of this debt, once declared them to be the safest investment because “countries don’t go bankrupt.”
    1982 - The Minnesota Vikings, who for years used to the frozen tundra of Minneapolis's Metropolitan Stadium as a significant home-field advantage, made their debut in the Hubert H. Humphrey Metrodome. They beat the Seattle Seahawks in a preseason game. 
    1987 - Top Hits 
“I Still Haven't Found What I'm Looking For” - U2 
“I Want Your Sex” - George Michael 
“Heart and Soul” - T'Pau 
“One Promise Too Late” - Reba McEntire 
    1988 - The Red Sox beat the Tigers 9-4 for their 23rd consecutive win at Fenway Park establishing a new Major League record [the streak will end after one more home victory]. The 1931 Philadelphia Athletics had previously set the league mark with 22 straight home victories. 
    1988 - Fifteen cities in the northeastern U.S. reported record high temperatures for the date. Youngstown, OH reported twenty-six days of 90 degree weather for the year, a total equal to that for the entire decade of the 1970s. 
    1990 – Sue, the largest and most complete Tyrannosaurus Rex skeleton found to date, was discovered by Sue Hendrickson at the Cheyenne River Reservation in South Dakota.  It has a length of 42 ft., stands 13 ft. tall at the hips, and was estimated to have weighed more than 6.4 metric tons when alive. After ownership disputes were settled, she was auctioned in October 1997 for US $7.6 million, the highest amount ever paid for a dinosaur fossil.  It is now a permanent feature at the Filed Museum of Natural History in Chicago.
    1992 - The United States, Mexico and Canada agreed to form a free-trade zone that would rank as the world's largest single trading bloc.  Known as NAFTA, the U.S. Chamber of Commerce credits NAFTA with increasing U.S. trade in goods and services with Canada and Mexico from $337 billion in 1993 to $1.2 trillion in 2011, while the AFL-CIO blames the agreement for sending 700,000 American manufacturing jobs to Mexico over that time.  The U.S. goods trade deficit with NAFTA accounted for 26.8% of the overall U.S. goods trade deficit in 2010.
    1993 - President Bill Clinton signed a bill providing $6.2 billion in federal relief to victims of floods in July and August for nine states from North Dakota to Missouri. Due to the record rains in the spring of up to 200 percent above average, the Midwest suffered 50 deaths, 70,000 left homeless and an estimated $12 billion in damage as of August 9, 1998. 
    1994 - "Woodstock '94" was held in Saugerties, New York. About 350,000 attended the show, which included mud fights and performances by Green Day, Nine Inch Nails, Aerosmith and the Red Hot Chili Peppers 
    1994 - In baseball's eighth work stoppage since 1972, players went on strike rather than allow team owners to limit their salaries. The work stoppage will lead to the cancellation of the World Series and a delayed opening of next season. 
    1996 - National Hockey League general managers agreed upon a rule change taking effect at the start of the 1996-1997 season. If fans litter the ice during the game, the referee is empowered to give a warning and then, if the offense is repeated, to penalize the home team for delay of game. The rule was a response to fans of the Detroit Red Wings, who tradition called for throwing octopi on the ice, and more particularly to fans of the Florida Panthers, who littered the ice with plastic rates after Panther goals during the 1995-96 season. 
    1997 - MTV debuts the Fleetwood Mac reunion concert. The special was taken from two performances at a Warner Brothers soundstage a few months earlier. 
    2007 - Fats Domino was honored as an "American Music Legend" by the Recording Industry Association of America.
    2011 – The health insurance mandate from the Patient Protection and Affordable Care Act was struck down by the U.S. court of Appeals for the Eleventh Circuit.
    2014 - A home-based colon cancer screening test by Exact Sciences Corp. has received approval by the U.S. Food and Drug Administration; patients must receive a doctor's prescription in order to purchase the test.