Wednesday, August 27, 2008

Headlines---

ex-Leaf employees now available
    Classified Ads---Sales
        Lease originations month-to-month decline 15%
Operation Lease Fleece: What are they doing today?
    Cartoon---Work Release Program
        Classified ads---Help Wanted
            New Hires---Promotions
                Post a Help Wanted Ad
Sales makes it Happen---by Linda P. Kester
“Your Unique Selling Position”
also Meet Linda Kester in Costa Mesa!
    Small Banks, Tight Credit
        Bank profits fell 86% /117 banks in trouble
            FDIC to boost insurance fund
            Fed Hints It Will Raise Benchmark Rate
        Most affluent city might surprise you
    News Briefs---
You May have Missed---
    "Gimme that Wine"
        Calendar Events
Snapple Real Facts
    Today's Top Event in History
        This Day in American History
Baseball Poem
    SuDoku
        Daily Puzzle
GasBuddy
    Weather, USA or specific area
        Traffic Live!----
News on Line---Internet Newspapers
Denver, Colorado

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

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ex-Leaf employees now available

There are many good people who do not get the exposure that they deserve. Leasing News is now attempting to ask for rosters of employees when a company closes or merges.

One of the main problems for employees is the location of employment available. Here five will consider relocating, five will consider depending on the position, although six prefer to stay in the greater Santa Barbara area, work out of their home or perhaps work out a commute program of three or four days at a further distant location.

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Classified Ads---Sales

(Don’t give up. Even in Southern California, a sales person who went on the list in early June finally found a position, and with a major bank. He said he received many good inquiries from the classified ad. It was his use of the internet and going to bank HR department listings that lead him to the job that he appears very happy to have found. Reportedly the captive vendor market is also hiring. Editor)

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

Leasing Recruiters:
http://www.leasingnews.org/Recruits/index.htm

To place a free “job wanted” ad here, please go to:
http://www.leasingnews.org/Classified/Jwanted/Jwanted-post.htm

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Lease originations month-to-month decline 15%

The majority of leasing companies saw a decline of business in the second quarter of 2008, according to the Equipment Leasing and Finance Association most recent survey.

The ELFA-MLFI-25 shows July data report originations month-to-month declined by 15 percent to
$6.8 billion.

Credit approvals were corresponding down also.

Leasing companies have been reporting to Leasing News that the second quarter has been soft, particularly in the small ticket marketplace. Tax incentives do not seem to be an inducement
here, as well as credit has tightened up.

It is hogwash to believe that a tightening credit marketplace or downturn is good for the leasing industry. This thinking is quite wrong as the pie of business is much smaller. Even “C” and “D”
credits are part of the pie, as if all leasing does is poorer credits.
That is not true.

The old adage that a rising tide raises all books is true, as well as the vice versa,
a low tide sinks all boats.

The employment numbers look “strange” in comparison to news of leasing companies merging, closing operations, and letting people go as CIT, Citibank, GE and Irwin Bank have recently done. The ZRG Executive Hiring Index is due soon. It will be interesting to see if there are no changes for the last three months as the ELFI-25 indicates.

Companies participating in the survey (note: Irwin Financial closed their operation in the US in July, US Express Leasing was recently sold to Tigris, several of the companies in their public SEC statements reported a net profit and overall business declines in their second quarter. editor)

ADP Credit Corporation
Bank of America
Bank of the West
Canon Financial Services
Caterpillar Financial Services Corporation
CIT
Citicapital
De Lage Landen Financial Services
Fifth Third Bank
First American Equipment Finance
GreatAmerica
Hitachi Credit America
HP Financial Services
Irwin Financial
John Deere Credit Corporation
Key Equipment Finance
Marlin Leasing Corporation
National City Commercial Corp.
RBS Asset Finance
Regions Equipment Finance
Siemens Financial Services
US Bancorp
US Express Leasing
Verizon Capital Corp
Volvo Financial Services
Wells Fargo Equipment Finance

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Operation Lease Fleece: What are they doing today?

by Christopher Menkin

Hon. Cormac J. Carney, Former UCLA football star, and UCLA Football wide receiver Rose Bowl MVP.

In November, 2007 the FBI investigation dubbed “Operation Lease Fleece” charged 23 in their roles in a fraud scheme that allegedly caused more than $20 million in losses to several lending institutions that believed they were financing equipment leases.

It appears all named have plead “guilty,” all but one have had sentencing dates made, then postponed by U.S. District Federal Judge Judge Cormac J. Carney, formerly a UCLA Football wide receiver Rose Bowl MVP.

Of those waiting for sentencing, many are back in business or enjoying the time off before they start federal prison time.

It appears the sentencing delay requested by US Attorney Jennifer L. Waier centers around others who have not made a pleading and will be taken to court for a judge or jury to decide their guilt or
innocence. Ms. Waier has not communicated with Leasing News, and the opinion comes from previous such cases modus operandi, as well as Judge Carney would not generally postpone sentencing without “good cause.”

The so-called three ring leaders lives have changed as their guilty plea” hangs over them. It appears they are looking at this waiting time as their “last hurrah.”

Adam Zuckerman was about to make a “mea culpa” to Leasing News, then went on a cruise, then at the beginning of the year to Israel, and has been active in “putting deals” together, traveling all over the country using a “pen name,” he did divulge to those he was working with. He remains an entrepreneur. He is greatly concerned with having a reduced sentence and has apparently cooperated in every way to obtain this goal.

Long time partners Jim Raeder and Mark McQuitty of CapitalWerks, Preferred Lease, formerly SierraCities from the sale of their company Republic Leasing of Southern California, appear to have gone their separate ways. They have been living off the sale of Republic Leasing of Southern California for quite some time, Leasing News was told by Jim Raeder. CapitalWerks/Preferred Leasing was never very profitable, he said.

After pleading guilty in a sealed document, Raeder moved to Colorado, where he was originally raised, bringing his family. He told Leasing News he is spending a lot of time with his wife and children. He has been wondering if he will ever get back into the leasing business after he serves his time, and appears to Leasing News he wants to return in some capacity upon his release.

Mark McQuitty stayed in Southern California, had rented several offices, was reportedly active in several ventures, but appears to have let them lapse. He is originally from New Zealand. Whether he will eventually return to his home country is not known.

During the time since his pleading guilty, he has had three serious DMV convictions. He was put on three years probation on July 31, 2008 with the sentence stayed. The DMV record does not show if his license was revoked, but the court knowing his pleading guilty to federal charges may have influenced the decision. (Out of respect for his family, Leasing News is not providing his public DMV conviction record sent in by a reader.)

To top off McQuitty’s troubles, his former “personal assistant” has been sending emails to the news media and others offering to tell her story for a price.

The following email was received by Leasing News, confirmed that the person exists, had worked for Capital Werks/Preferred Leasing, and may be a “credible witness.” She also may be involved, too, but no one is able to confirm or deny such involvement.

The following emails have been edited for legal reasons:

“My name is Melody Catale (formally Melody Castro).
I was Mark McQuitty's personal assistant for last 12+ years...

“Recently, I was offered some $ for an exclusive story. I began working with him in 1996 at the Republic Group, then First Sierra (aka: Sierra Cities), worked for free to start CapitalWerks (also info on Aspen/ IMG/Isystems)... I can deliver proof, facts, emails, logs, inside perks, pics, even FBI info that only mark & I know... I can also tell you all future plans & fake names, goals, etc.....(& much much more).”

Leasing News returned the email that we do have the funds to pay for information, and received the following response:

“Mr. Menkin, I really thought you would want this ‘true’ story. Too bad! You are a great reporter and I thank you for all the info I've gathered off your website. If you change your mind, let me know. I am hurt due to betrayal but will send story to banks myself...just to have some good old fashion revenge. Let me know if you change your mind. I wouldn't mind some $$$$... Thank you for your time :) “

Docket Up-Date

UNITED STATES DISTRICT COURT, CENTRAL DISTRICT OF CALIFORNIA (Southern Division - Santa Ana)
CRIMINAL DOCKET FOR CASE #: 8:07-cr-00239-CJC All Defendants

Jennifer L Waier
AUSA - Office of US Attorney
411 West Fourth Street, Suite 8000
Santa Ana, CA 92701
714-338-3550
Email: USACAC.SACriminal@usdoj.gov
LEAD ATTORNEY

These are from public documents
(Those records found follow the original list from the US Attorney’s office:)

February 19 James Reader pled guilty 18:1343: Wire Fraud before Judge Cormac J. Carney. Sentencing set for 2/23/2009 10:00 AM before Judge Cormac J. Carney. Documents sealed.

May 20 Mark McQuitty pled guilty 18:1343: Wire Fraud before Judge Cormac J. Carney. Sentencing set for 5/18/2009 10:00 AM before Judge Cormac J. Carney. Documents sealed. Since the arrest, he has several DMV convictions.

April 8 Anthony E. Watson pled guilty before Judge Cormac J. Carney. Sentencing was originally set for 7/21/2008 10:00 AM before Judge Cormac J. Carney. Documents sealed. Latest: Sentencing Hearing to 11/3/2008 10:00 AM before Judge Cormac J. Carney.

June 1 Adam Zuckerman pled guilty with the jury trial date of
July 8, 2008 at 8:30 a.m. as to this defendant only. Sentencing set for 7/13/2008 10:00 AM before Judge Cormac J. Carney.
Plea agreement as of December 7, 2007 is sealed. He reportedly wore a wire, contributed names and dates, plus will testify against many of those named. He has allegedly gone on a cruise, and with
permission traveled to Israel, but has now turned in his passport.
Latest: Sentencing set for 7/13/2009 10:00 AM before Judge Cormac J. Carney.

January 31 Kirk A. McMahan pled guilty before Judge Cormac J. Carney. Sentencing set for 10/20/2008 09:00 AM before Judge Cormac J. Carney.

February 19 Paul Arnold pled guilty before Judge Cormac J. Carney. Sentencing set for 2/23/2009 10:00 AM before Judge Cormac J. Carney. Documents sealed. Latest: Sentencing set for 6/8/2009 10:00 AM before Judge Cormac J. Carney.

Geoffrey Silver to the charge of conspiracy to appear before Judge Cormac J. Carney June 30, 2008. Documents sealed. Latest;
Sentencing set for 6/8/2009 10:00 AM before Judge Cormac J. Carney.

Brian Sime also known as Joe Turner also known as Tonga Title 18:1014 FALSE STATEMENT TO FINANCIAL INSTITUTION: 18: 2(b) CAUSING AN ACT TO BE DONE (1) Public Defender reassigned. Documents sealed.

May 20 Leo J Najera pled guilty before Judge Cormac J. Carney. Sentencing set for 11/10/2008 11:00 AM before Judge Cormac J. Carney. Documents sealed

March 13 Leigh Dorand pled guilty 18:1343: Wire Fraud before Judge Cormac J. Carney. Sentencing set for 2/9/2009 10:00 AM before Judge Cormac J. Carney. Document sealed

March 6 James H Breedlove pled guilty 18:1343: Wire Fraud before Judge Cormac J. Carney. Sentencing set for 7/21/2008 at 9:00 AM before Judge Cormac J. Carney. Documents sealed. Latest:
Sentencing set for 10/6/2008 at 10:00 AM before Judge Cormac J. Carney.

Mark Castleman indicted for mail fraud Jury Trial continued to 12/2/2008 09:00 AM before Judge Cormac J. Carney. Jury Trial continued to 12/2/2008 09:00 AM before Judge Cormac J. Carney.

February 4 Les Spitzer also known as Guy Amsalem pled guilty before Judge Cormac J. Carney. Sentencing set for 12/15/2008 10:00 AM before Judge Cormac J. Carney. Documents sealed.

March 11 Jeffrey Greenough pled guilty to 18:1343: Wire Fraud(1) 18:2: Aiding and Abetting and Causing an Act to be Done before Judge Cormac J. Carney. Sentencing hearing for defendant Jeffrey Greenough to 11/3/2008 09:00 AM before Judge Cormac J. Carney. Documents sealed.

March 11 Lourey McComber pled guilty to 18:1343: Wire Fraud(1) 18:2: Aiding and Abetting and Causing an Act to be Done before Judge Cormac J. Carney. Stipulation to Continue 46 Sentencing hearing to 8/11/2008 11:00 AM before Judge Cormac J. Carney. Documents sealed. Latest: Sentencing set for 11/17/2008 at 10:00 AM before Judge Cormac J. Carney.

March 7 Harold Gold pled guilty to 18:1343: Wire Fraud(1) before Judge Cormac J. Carney. Sentencing set for 7/14/2008 09:00 AM before Judge Cormac J. Carney. Documents sealed. Latest:
Sentencing Hearing to 3/9/2009 11:00 AM before Judge Cormac J. Carney.

February 12 Nohad Mousa pled guilty to 18:1341 MAIL FRAUD before Judge Cormac J. Carney.
JUDGMENT AND COMMITMENT by Judge Cormac J. Carney as to Defendant Nohad Mousa (1), Count(s) 1, 6 months imprisonment, time served. Pay $100 special assessment. Pay total restitution of $94,775. Interest on restitution ordered waived. Defendant shall be held jointly and severally liable with co-participant George Simon (Docket No 8:07CR00246) for the amount of restitution ordered in this judgment. All fines are waived. 3 years supervised release under terms and conditions of US Probation Office and General Orders 318 and 01-05. Signed by Judge Cormac J. Carney.
Plea Agreement:
http://leasingnews.org/PDF/NohadMousa.pdf

Notably absent in court records is John J. Callaghan, 38, of Warminster, Pennsylvania, who worked at Citicapital. Allegedly there were three or four Citicapital bank officers named. According to a Citicapital press release three were dismissed. They are not named, nor allegations that the fraud was higher up in administration.
Subprime and other large losses seem to have taken precedence.
According to the US Attorney press release, complaints from Citibank started their investigation.

Here are those originally named by the FBI and US Attorney’s office:

James T. Raeder II, 42, of Mission Viejo, who worked at Capitalwerks/Preferred Lease
Mark McQuitty, 46, of Trabuco Canyon, who worked at Capitalwerks/Preferred Lease
Richard Norris, 60, of Los Angeles, who worked at Capitalwerks/Preferred Lease
Anthony E. Watson, 61, of San Clemente, who worked at CapitalWerks/Preferred Lease
Douglas Cox, 37, of Rancho Santa Margarita, who worked at CapitalWerks/Preferred Lease
Adam Zuckerman, 37, of Laguna Beach, who worked at Brickbanc
Kirk McMahan, 31, of Newport Beach, who worked at Brickbanc
Paul Arnold, 56, of Laguna Hills, who worked at Brickbanc
Geoff Silver, 35, of Calabasas, who worked at Silver Industries
Brian Sime, 29, of Irvine, who worked at Brickbanc
John J. Callaghan, 38, of Warminster, Pennsylvania, who worked at Citicapital
Leo Najera, 28, of Mission Viejo, who worked at ECCI
John Budge, 38, of Sartell, Minnesota, who worked at Bach Business Credit
Leigh Dorand, 42, of Phoenix, who worked at Tech Capital
James Breedlove, 51, of Newport Beach, who worked at Santa Fe Equipment
Mark Castleman, 47, of Chino Hills, who worked at Industrial Information Systems
Les Spitzer, 60, of Grenada Hills, who worked at Pyramid Infinite
George Simon, 38, of Redondo Beach, who worked at Advantage IT Solutions
Jeff Greenough, 48, of Laguna Beach, who worked at Peniche
Troy Worrell, 47, of Newport Beach, who worked at Peniche;
Lourey McComber, 53, of Prescott Valley, Arizona, who worked at Peniche
Harold Gold, 75, of Falmouth, Massachusetts, who worked at Leasing Services
Nohad Mousa, 40, of Anaheim, who worked at Saut Wa Soora, Inc.

Hon. Cormac J. Carney: Operation Lease Fleece judge
http://www.leasingnews.org/archives/June%202008/06-27-08.htm#judge

Operation Lease Fleece
http://www.leasingnews.org/archives/February%202008/02-25-08.htm#p2

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Classified Ads---Help Wanted

Vendor Sales Specialists

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.

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New Hires---Promotions

R. Zane Burgess promoted to President of BOKF Equipment Finance, Inc., a division of BOK Financial Corporation and Bank of Texas, Dallas/Fort Worth, Texas.

Melissa Carlson has been promoted to "broker manager relationships at Pinnacle Business Finance, Tacoma, Washington. She has held positions at Pinnacle for the last six years in sales management, marketing and corporate training. Carlson will manage the broker relationships in Washington, Montana, Colorado, Texas, Oklahoma, Kansas, Nebraska, North and South Dakota, Minnesota, Iowa, Missouri, Arkansas and Louisiana.

Claude Elmore with 32 years experience in the leasing industry has joined Pinnacle Business Finance, Tacoma, Washington as a "broker manager” to focus on the western region of the U.S. (Oregon, California, Arizona, New Mexico, Utah, Nevada, Idaho and Wyoming)

Mark Stevens has been named the Association's Chief Lending Officer. Mr. Stevens, formerly of Atlanta, joined Farm Credit from Prudential Capital Group, where he served as Chief Credit Officer.
Mr. Stevens has served in executive level positions at GMAC Commercial Finance, Bank of America and GE Capital Corporation. He earned a Bachelor's Degree at the University of North Carolina, Chapel Hill, and an MBA from the University of North Florida, Jacksonville.

Jeffrey A. Welch has been hired as Executive Vice President and Chief Credit Officer, Sandy Spring Bank, OLNEY, Md. Mr. Welch has taken on the role of Chief Credit Officer from Daniel J. Schrider who was appointed President and Chief Revenue Officer by the board of directors in March. Welch has over 25 years of experience in the financial services industry specializing in commercial lending, credit risk management, and credit policy primarily for large regional banks operating in the local area. He has also worked as a consultant to area banks in credit risk management.

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All rates are subject to change.

Ads run a minimum of 21 days on the web site ( holidays not included.)  There are placed in the "Help Wanted' section by category, alphabetical, with the largest ad in the category first. Copy may be amended without any extra charge.

It is also our policy to place "help wanted" ads above the news edition headlines. This position is not available as a paid position, but appear on the top of the news edition in a rotation basis. This position is not guaranteed,but is a practice to give advertisers more attention to their ad. 

Please send an email to kitmenkin@leasingnews.org to post a Help Wanted Ad.

Here are some samples of various size ads:
www.leasingnews.org/Classified/examples.htm

If you prefer a " non-employment" ad, we sell a banner ad, please
click here for pricing.

If you would like more information, please contact: kitmenkin@leasingnews.org

We reserve the right to refuse any advertising.

Ads for employment should be placed in the classified ad section, where it is possible to also appear at the top of the headlines.

No changing or alternating banner ads.

Ad copy may be up-dated or changed at any time during the time period.

No charge for artwork or design.

To see sample size of ads, please go here.

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Meet Linda Kester in Costa Mesa!

Linda will be presenting “Hell or High Water” Marketing at the NAELB Western Regional Conference, appearing a week from this Saturday.

More information is available at:
http://leasingnews.org/PDF/2008%20Western%20Regional%20Registration%20Brochure.pdf

Top Ten Tips to Increase Leasing Sales
Price: $15.00

12 Core Fundamental Tips for the NEW Leasing Sales Professional Price: $15.00

Linda P. Kester’s two others books, ""366 Marketing Tips for Equipment Leasing" and "12 Core Fundamental Tips for the NEW Leasing Sales Professional" are also available at:

To Order, please go here:
https://www.lindakester.com/products/cd_order_form.aspx

[headlines]

### Press Release ###########################
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News Briefs----

Small Banks, Tight Credit
http://www.washingtonpost.com/wp-dyn/content/article/2008/08/26/AR2008082603327.html

FDIC: Bank profits fell 86% in Q2; 117 banks in trouble
http://www.usatoday.com/money/industries/banking/2008-08-26-troubled-banks-fdic_N.htm?csp=34

FDIC to boost insurance fund
http://money.cnn.com/2008/08/26/news/economy/FDIC_fund/index.htm?section=money_latest

Fed Hints It Will Raise Benchmark Interest Rate
http://www.nytimes.com/2008/08/27/business/economy/27fomc.html?_r=1&ref=business&oref=slogin

Most affluent city might surprise you
http://www.usatoday.com/news/nation/census/2008-08-26-income-side_N.htm?loc=interstitialskip

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You May have Missed---

No income tax on bank deposit interest for foreigners
http://www.bankrate.com/brm/itax/tax_adviser/20080826-bank-deposit-interest-a1.asp

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“Gimme that Wine”

Monterey Optimism in full bloom as wine harvest nears
http://www.thecalifornian.com/apps/pbcs.dll/article?AID=/20080825/BUSINESS/808250314

Jordan Vineyard & Winery Offers Customers One-of-a-Kind Loyalty Program
http://www.marketwatch.com/news/story/jordan-vineyard--winery-offers/
story.aspx?guid=%7BC8EB10C4-5B94-4EE9-850F-F9F9C99EE711%7D&dist=hppr

Hoax leaves bitter taste for wine magazine
http://www.chicagotribune.com/business/chi-sun-wine-hoaxaug24,0,7875970.story

Move over, California -- here come those Midwestern wines
http://www.pressdemocrat.com/article/20080825/NEWS/808250311/1033/news&title=
Move_over__California____here_come_those_Midwestern_wines

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/

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Calendar Events This Day

First Kiss Day
August 27, 1929, Popeye and Olive Oyl had their first kiss

Global Forgiveness Day
http://holidayinsights.com/moreholidays/August/forgivenessday.htm

Just Because Day
http://holidayinsights.com/moreholidays/August/justbecauseday.htm

Modova: Independence Day
Republic of Moldova. Moldova declared its independence from the Soviet Union in 1991.
https://www.cia.gov/library/publications/the-world-factbook/geos/md.html

National Banana Lovers Day

Saint feast Days

• St. Monica
• St. Honoratus
• St. Anthusa the Younger
• St. Caesarius of Arles
• St. Decuman
• St. Ebbo
• St. Gebhard
• St. John
• St. Licerius
• St. Malrubius
• St. Margaret the Barefooted
• St. Rufus and Carpophorus
• St. Narnus
• St. Phanurius
• St. Poemon

http://www.catholic.org/saints/f_day/aug.php

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The average person uses the bathroom 6 times per day.

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Today's Top Event in History

1900- U.S. Army physician James Carroll allowed an infected mosquito to feed on him in an attempt to isolate the means of transmission of yellow fever. Carroll developed a severe case of yellow fever, helping his colleague, Army pathologist Walter Reed, prove that mosquitoes transmit this often-deadly disease.
http://memory.loc.gov/ammem/today/aug27.html

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

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This Day in American History

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Baseball Poem

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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

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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

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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]

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News on Line---Internet Newspapers

Denver, Colorado

http://www.denverpost.com/

*Other on line newspapers:
http://www.leasingnews.org/Newspapers.htm

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

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