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Leasing News is a web site that posts information, news, and
entertainment for the commercial alternate financing,
bank
, finance and leasing industry

kitmenkin@leasingnews.org
   



Credit Analyst
Anaheim,CA; Federal Way, WA; Tigard, OR


$150K -$500k equipment leases, financing (recourse/non-recourse lines of credit)
Requires five or more years of credit underwriting. Work with third party originators, brokers, as well as clients & vendors of Umpqua Bank
Please click here for more information.

www.finpac.com
A subsidiary of Umpqua Bank



Monday, December 14, 2015


Today's Equipment Leasing Headlines

Position Wanted---Senior Management
  Seeking New Position
Top Stories December 7-December 11
   (Opened Most by Readers)
California Concerned about Financial Technology Practices
  Wants Survey of Alternate Financing Companies
Aggregate Funding Sources - Updated
 (Online: connects lessees, lessors, and vendors)
   Kit's Kettle
Salvation Army Donations
"Been out of leasing, but want back in"
Career Crossroad---By Emily Fitzpatrick/RII
Leasing Industry Ads---Help Wanted
Now is the Time to Apply
Leasing 102 by Mr. Terry Winders, CLFP
Burden of Proof “Tax Lease Requirements”
Larry Hartmann, Running a Global Search Brand
ZRG Partners Search Approach, Abbreviated
William G. Sutton, CAE, President/CEO Retires from ELFA
  His Farewell Address
Watson joins Rick Wilbur Family
  in Paradise Valley, Arizona
Chocolate Labrador Retriever
Oakland, New Jersey  Adopt-a-Dog
Leasing News Classified Ads
Asset Management
News Briefs---
Rare Full Christmas Moon
   December 25, 2015
World Seals Landmark Climate Accord,
  Marking Turn from Fossil Fuels
Behind the Boom in Online Lending:
   A Tiny Utah Bank
Thousands more bank jobs under threat
  almost 100,000 new job cuts this year
GE's Immelt Says Talk of New Tech Bubble Is Baseless
  "app economy" alone is worth an estimated $300 billion”
The Evolution of Fintech
   part one of a two part series
Sumitomo Mitsui to Acquire GE’s Japan Lending
    Business for $4.6 Billion
This poll captures Amazon’s staggeringly
   big role in online shopping
Dean Cash, ATEL Capital--Video
2015 FSU College of Business Hall of Fame

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

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

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

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



Please send to a colleague and ask them to subscribe.




[headlines]

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Position Wanted---Senior Management
  Seeking New Position
Opportunities


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

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

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


Senior-level leasing executive accomplished in sales, finance, operations and marketing. Seeking new opportunity to capitalize on my strategic, ideation, communication and analytical strengths to identify opportunities, formulate solutions and articulate strategies that inspire cross-functional teams to enhance corporate performance and shareholder value. Adept negotiator of multi-million dollar lease program agreements and contracts. Driver of increased sales productivity, incremental revenue, operating expense reductions and customer acquisition/retention.
reg.lindholm@gmail.com

 


[headlines]
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Top Stories December 7-December 11
(Opened Most by Readers)

(1) Top Five Leasing Company Websites—
            in North America
http://leasingnews.org/archives/Dec2015/12_07.htm#five

(2) Looks Like No Change in Section 179 for 2015
          Congress Getting Ready to Adjourn
http://leasingnews.org/archives/Dec2015/12_11.htm#looks

(3) Is Fintech the Next Big Bust?
           by Henry Grace
http://leasingnews.org/archives/Dec2015/12_09.htm#bust

(4) Fifth Circuit Holds Golf Channel May Be Held Accountable
          as Trade Creditor for Aiding a Ponzi Scheme
By Tom McCurnin, Leasing News Legal Editor
http://leasingnews.org/archives/Dec2015/12_07.htm#fifth

(5) ELFA Letter Regarding SB 197
           Seeking Clarification
http://leasingnews.org/archives/Dec2015/12_09.htm#elfa

(6) Confirmed: SB 197 Signed by Governor Brown
           Takes Effect January 1, 2016
http://leasingnews.org/archives/Dec2015/12_09.htm#confirmed

(7) SB 197 Three Question Clarification
         Most Asked Questions on New California Law
by Tom McCurnin, Leasing News Legal Editor
http://leasingnews.org/archives/Dec2015/12_11.htm#sb

(8) New Hires---Promotions in the Leasing Business
             and Related Industries
http://leasingnews.org/archives/Dec2015/12_11.htm#hires

(9) Prosper FinTech Loan Linked to San Bernardino Terrorist
          – A Preliminary Assessment on How it Occurred
http://debanked.com/2015/12/prosper-loan-linked-to-terror-a-preliminary-assessment/

(10) Leasing #102 by Mr. Terry Winders, CLFP
            “Business Plans for 2016”
http://leasingnews.org/archives/Dec2015/12_07.htm#plans

 


[headlines]
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California Concerned about Financial Technology Practices
Wants Survey of Alternate Financing Companies

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

The California Department of Business Oversight (DBO) announces an inquiry into the growing marketplace lending industry.


Jan Lynn Owen
Dept. Business Oversight Commissioner

“These online lenders are filling a need in today’s economy, and we have no desire to squelch the industry or innovation,” said DBO Commissioner Jan Lynn Owen.  “We have a duty, however, to protect California consumers and businesses, and they have more and more at stake as this industry grows.  We want to assess the effectiveness and proper scope of our licensing and regulatory structure as it relates to these lenders.” 

As part of the inquiry, the DBO sent an online survey to 14 marketplace lenders requesting five-year trend data about their loan and investor funding programs.  The survey also requests information about the firms’ business models and online platforms.  The DBO sent the request to firms that specialize in either personal or small business loans, or engage in both types of lending.  The survey responses are due by March 9, 2016.

The data and information request has two primary objectives: to assess the industry’s size in California and how many consumers and businesses it touches, and to better understand various loan and investor funding programs used by marketplace lenders.  That knowledge, in turn, will help the DBO assess how the state’s licensing and regulatory regime is working, and should work, when it comes to the industry.   

Marketplace lenders bill themselves as a faster, more accessible source of financing for consumers and small businesses.  Some of the largest are headquartered in California.

From 2010-2014, the national online lending market grew from $1 billion in loans to $12 billion.  Analysts at Morgan Stanley estimate that by 2020 the volume will grow to $122 billion.  

The DBO licenses and regulates state-chartered banks and credit unions, non-bank lenders (including payday lenders), mortgage lenders, mortgage servicers and money transmitters.  It also licenses and regulates investment advisers, securities broker-dealers and other financial service providers.
   
DBO Marketplace Survey:
http://www.leasingnews.org/PDF/MarketplaceSurvey2015.pdf

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

[headlines]
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Updated

Aggregate Funding Sources
(Online: connects lessees, lessors, and vendors)

CapitalRelay claims a current network of 729 brokers. 
A current network of 119 lenders.

http://www.capitalrelay.com

 

 

[headlines]
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(Please click on Kettle)

Contributors at press time: Don and Bonnie Dulmage,   Bruce Kropschot, Allan Levine, Robert Misheloff,  Dean Morrison, Klaus Pache (in honor of Yvonne Pache), Susan Robert, Jeff Rudin

[headlines]
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Leasing Industry Ads---Help Wanted
Now is the Time to Apply


 

Credit Analyst
Anaheim,CA; Federal Way, WA; Tigard, OR


$150K -$500k equipment leases, financing (recourse/non-recourse lines of credit)
Requires five or more years of credit underwriting. Work with third party originators, brokers, as well as clients & vendors of Umpqua Bank
Please click here for more information.

www.finpac.com
A subsidiary of Umpqua Bank


 

For information on placing a help wanted ad, please click here:
http://www.leasingnews.org/Classified/Hwanted/Hwanted-post.htm

Please see our Job Wanted section for possible new employees. 

[headlines]
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“Been out of leasing, but want back in.”
Career Crossroad---By Emily Fitzpatrick/RII

 

Question: It’s the end of the year, and I would like to get back into leasing, as well as doing business loans, too. I was in a sales role doing well until the economy changed, but over the last three years I have been in a different industry. I am interested in returning to the equipment finance/leasing industry as things seem to have picked up, especially in working capital loans. What do you suggest I do?

Answer: Please understand that recruiters typically are utilized by companies to source and recruit Sales Leasing Reps within the industry, as most companies require deals (book of business) to bring. This is the typical requirement for independents and smaller institutions.

A good first step if you are interested in returning to the Leasing Industry is to reestablish client relationships that were successful in the past and determine their current or future needs … you may be able to use these relationships to get your foot in the door.

However, there are many LARGE corporations / banks that are open to Leasing Sales Reps / Loan Officers that have previous experience within the industry. They are interested in Candidates that have been successful within the industry, have formal credit training, good background checks, and have a track record of sales success regardless of industry. These companies have the time and resources to train (retrain) and can wait 120 days to see sales success (make a profit from you!).

There are also many Alternate Finance companies looking for sales people with a finance background, working through vendors, as well as going direct.
Most important, reconnect with your previous colleagues / managers – they are aware of your track record of success and may be able to put in a good word for you, as well as give you a lead or opinion about a potential company looking for sales people. 

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

 

[headlines]
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(Terry retired January 1, 2015.  To honor him and his many years of writing for readers of Leasing News, is repeating several of his columns that are still meaningful today.)

Burden of Proof “Tax Lease Requirements”

It is the end of the year and there is great tax advantage for the lessee in signing a lease now for the equipment to be delivered and accepted next year, especially for a 24 month or 36 month term with equipment with a longer depreciation life. The payments made may be deducted for 2015.  There is advantage for a capital lease or business loan, too, dependent on the depreciation available.  This should be discussed with your CPA.

I think it is a good idea to review what a true tax lease requires. The problem with understanding what is required is that there really is nowhere to go to do so. You can start with RR 55-540 created in 1955 when leasing was in its infancy and also Revenue Procedure 76-21, a ruling on leverage leasing, however, you also have to include a number of federal tax court decisions. In addition, many additional rules on leasing from the uniform commercial code and GAAP accounting requirements shaped how the IRS looks at a true lease today.

So you almost need to understand the concept of what the IRS thinks a lessor should act like to understand the current requirements.

To begin with, the tax payer has the burden of proof in a tax audit. That means you are required to “prove” you have a lease and not a loan. Also there is not just one issue that makes or breaks the answer and it is not a scale to see if you have more correct answers than wrong ones. You must “prove” your position and the facts at the time of the lease commencement will rule.

The issue is do you have the “right” to obtain capital recovery benefits, known as depreciation, and does your lessee have the “right” to expense the rent?

This is not a legal question of ownership because the right to capital recovery benefits goes to the question of who is making a profit from the “use” of the equipment. Clearly the leasing company has provided the lessee with possession and use during the term of the lease and also passed the requirement, under a net lease, for the lessee to maintain and pay all costs, including taxes, associated with the equipment. A strong case against you!

The lessor claims that because they are receiving rent they are making a profit but the IRS looks at our mark-up like interest and the fact that we are not in possession of the equipment works against us. So to claim our benefits we start with two requirements. One, the term of the lease “cannot” exceed 80% of the equipment’s useful life. Two, we must take a “meaningful” residual.

By using an “Equipment description and use form” you can document how the equipment will be used and estimate its useful life by contacting a manufacturer or vendor or a secondary market source to request how long it will be of value, with that use, in the market place. This has nothing to do with how long it will survive. It must have a practical business “use” value. A meaningful residual does not mean it must be worth 20% but it does mean you should be able to extract additional rent for at least another 20% of time.

Remember you have the burden of proof here and lack of information or documentation is deadly.

To prevent game playing with the numbers (rent plus residual), the IRS has an additional test to determine if the rent and residual equal what a lessee could have purchased the equipment for using a loan containing a balloon payment as a last payment. This means that if you allow the lessee to purchase the equipment for your residual, the transaction has the economics of a loan. Therefore, fixed price purchase options equal to the residual are not wise.

The question of purchase options only clouds the discussion because any thought of passing title raises the question of why the lessor is selling the company’s assets. In a true lease you should not offer a purchase option unless pressed by the lessee. For years we thought a fair market purchase option would prevent any problems but in many cases the cost to return some equipment exceeded its value at termination, forcing the lessee to purchase to save money. This makes it a loan. So today, the return language must take into account the equipment’s value vs. the cost of freight based on the information “available at the commencement of the lease”. The legal rules or more precisely the definition of a lease for Article 2A required any purchase option to approximate the future value of the equipment and the IRS has adopted the issue by requiring the lessor to have “proof” of the estimated value in the lease folder or any fixed purchase option will be grounds for an audit. The old 10% purchase option is a red flag and unsubstantiated, will be proof that a loan was the intention of both parties.

The most misunderstood term in the tax requirements is the fact that it is the “intent” of the parties in a lease that must be determined by all the facts. If you think like a money lender and do not take residuals and offer small fixed price purchase options and fail to look at the equipment’s value, or useful life, I guarantee you are in the lending business and not the leasing business.

Be very careful how you characterize your transaction to the lessee. If the lessee is lead to believe the transaction is a true lease, and it is not, we may be held accountable. When we use the term “lease” and have a document that says “lease agreement” and it is not a lease but a loan we are praying on the ignorance of the customer. Small ticket leases are not immune from this issue and in fact receive the most complaints about false comments.

The last thing to remember is that the lessor must not allow the lessee any equity in the equipment which means “no down payments” and no trade-in’s and no equipment cost discounts. The lessor must completely pay the full cost of the equipment. You can take cash as a security deposit but cannot take additional collateral.

One of the problems created in the past that is being talked about today is how the leasing industry puts the burden on the lessee by placing tax indemnification in the lease agreement so if the transaction is rejected by the IRS then the lessee must make up the difference to the lessor. This may be challenged in court on the bases that the lessor is once again praying on the ignorance of the lessee. This indemnification may require you to explain the risk if any of the rules I mentioned here are bent or broken.

Act like a lessor and do your due diligence because it helps the credit decision and maximize your equipment at termination and you will be in the leasing business.

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

 

 

 

[headlines]
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Larry Hartmann, Running a Global Search Brand
ZRG Partners Search Approach, Abbreviated


Larry Hartman
CEO/ ZRG Partners

(Full version appears after this abbreviated article)

My view of search before ZRG was as a user, not a search person. We hired many executives using search firms at all the various levels and I have to say, I was underwhelmed with the client deliverables. As a user of search, I felt like I was paying large fees and, in return, I received CV’s, opinions and references.

My previous business was a fast growth specialty finance and lending business that we took public on the NASDAQ so I know what running and managing a public company takes. If you are public, you have to show growth year-over-year despite market conditions. Shareholders drive behavior. Executive search businesses that are public have inherent challenges. In 2001 and again in 2008, search firms’ revenues suffered with 20 to 30 percent revenue drops, and quickly went from notching profits to posting losses.

As I said, as a user of search, I felt like I was paying large fees and, in return, I received CV’s, opinions and references. The value prop that the recruiter’s opinion should carry the day didn’t resonate with me, and it doesn’t today with most clients. Opinions are just that, someone’s viewpoint, and they vary greatly. This set the foundation for ZRG.

 In bringing more data, analytics and technology to executive search and trying to find ways to truly have a value proposition that clients valued, we felt we would stand out in the world of recruiting. If you think about it, in every part of your business you have access to strong data, but when it comes to hiring key talent it often reverts to opinions and gut feel.

 We have tried to address this at ZRG with some of our unique tools and our approach. Raising capital and doing M&A work as a business leader before entering the search business has provided an immensely useful foundation for what I’m building now. And while some of our deals at ZRG are certainly smaller, with less zeros at the end, the same principals have applied in terms of structuring, funding and successful integration. Certainly, my past professional experience has afforded comfort to our investors and key employees, and I know that my past board work has been insightful in guiding me ahead.

I think all of it has prepared me for accountability to others.

Full Article:
http://huntscanlon.com/new-complexities-in-running-a-global-search-brand/


[headlines]
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William G. Sutton, CAE, President/CEO Retires from ELFA
His Farewell Address

(Note: He made his announcement public on January 30, 2015, eleven months in advance. Chief Operating Officer Ralph Petta as its new President and CEO, effective Jan. 1, 2016.)

Equipment Leasing and Finance Association

Thank You! (and Farewell)

As the year comes to a close, we want to express our sincere appreciation for your continued active participation in our association.

Thanks to your participation, 2015 has been a very successful year for ELFA. A total of 65 companies joined our association and 94% of our existing members renewed their memberships-resulting in the highest retention rate in recent memory.

For more about the state of the association-including highlights from 2015 in the areas of industry information, advocacy, professional development, industry promotion and membership-I invite you to watch my annual business report to the membership at the ELFA Annual Convention:

Member Dues Reminder
Your company is part of our association because we can do things together that we can-t do alone, and our activities and services provide unique business development, networking and educational opportunities. To continue taking advantage of these benefits, please be sure your company has renewed its ELFA membership for 2016 before the Dec. 31 deadline. Also, don't forget to update your company or individual  profile on our website. Contact Membership Director Julie Benson at 202.238.3432 or jbenson@elfaonline.org with any questions.

Fair Winds and Following Seas
It has been an honor these last five-and-a-half years to serve ELFA, the Foundation and LeasePAC. As I announced in January, after a long and rewarding career, I feel the time is right for me to set sail for the next chapter of life. ELFA is in a strong position and is poised for continued success, with an engaged membership, terrific volunteer leadership, skilled staff and sound fiscal standing. When I turn the reins over to Ralph Petta at the end of this year, I know the association will continue to thrive.

Thank you all for this very special opportunity. I wish each and every one of you fair winds and following seas, and a safe, happy and healthy new year.

Sincerely,


 
William G. Sutton, CAE
President and CEO

 

 

[headlines]
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Watson joins Rick Wilbur Family
in Paradise Valley, Arizona

"Saw your pictures of Bode Ace and thought I'd share our family's newest addition, Watson.  My son had a yellow lab, Kobe, for 13 years that was a full-fledged member of the family.  Kobe died almost a year ago and I thought about sitting Shiva. The kids went back to the same breeder and found a distant cousin of Kobe.....enter Watson. 

"Same story at the breeders. When the litter was introduced to the family all the pups ran around and started to play except for this little one.  He just sat there and with his eyes, he told us he was ours, and we should take him home, and love him. 

"Labs are great dogs." 

Rick Wilbur
Charter Capital
rwilbur@charteraz.com

 


[headlines]
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Chocolate Labrador Retriever
Oakland, New Jersey  Adopt-a-Dog


Marshall
Neutered
Current on vaccinations

"This handsome boy is a 5-year old Chocolate Labrador who came here when he was surrendered because his owners were moving. He is exuberant and happy and gets along well with other dogs. Won't you come and visit the shelter and meet this great dog?"

Online Adoption Application
www.rbari.org/adoptions/adoption-application/online-dog-adoption-application/

If you are interested in adopting this wonderful pet, please take a moment to complete our Online Adoption Application. Please review the pet notes carefully to be sure that this pet is right for your family situation. An application does not guarantee an adoption. After you have submitted your application, please call to check the status and to make sure the pet is still available or just come to the shelter during adoption hours.

If you are interested in becoming a volunteer or a foster family, please complete our Online Volunteer Application found at www.rbari.org

Our adoption hours are as follows:
Tuesdays & Thursdays from 1:00 pm - 8:00 pm
Wednesdays 12:00 pm - 4:00 pm
Saturdays & Sundays from 11:00 am - 4:00 pm

Ramapo Bergen Animal Refuge
2 Shelter Lane
Oakland, New Jersey 07436
Tel: 201-337-5180


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

 

[headlines]
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Leasing News Classified Ads

Asset Management: Minneapolis, MN
NetSentric provides services to leasing companies: Inspection, Appraisals, Auditing, Warehousing, Repossession, Asset Management, Repairs, Remarketing and Field Service for Electronics and Computing Technology.
Email: jcahill@netsentricinc.com 

Asset Management: Boston, MA
Nationwide appraisals, remarketing, audits, inspections and more! Over 15-years industry experience and dedicated to deliver personal, prompt, professional services. 
Call Chris @ 508-785-1277 
Email:
email
 
Asset Management: Monroe, NC
Recover a greater return on your investment.  We specialize in the woodworking, pallet, sawmill and forestry industries.  
Carolinamachinerysales.com/

Melinda Meier (704)288-1904 x103

Nationwide 
Seasoned and fair priced workforce is at your service for all lease collections, repossessions, and asset liquidations, appraisals.  Call Nassau Asset Management 800-462-7728  
dcastagna@nasset.com 
  

Asset Storage/Re-Marketing: Ohio & surrounding states. Providing no cost warehousing, condition reports, digital photos and remarketing of off-lease forklifts & industrial equipment. NAFTA wide dealer network. Email to GCochran@OhioLift.com Asset Management
Melville, New York
Auctions, Appraisals, National Repossessions.  ALL asset classes. 20+ year team works for you. Spend less, Net More… Fast!
Ed Castagna 516-229-1968ecastagna@inplaceauction.com
Bulldog Asset Management provides recovery and remarketing services with a difference. Contingent repos, free storage and industry experts to remarket.
http://bulldogasset.com/contact
www.bulldogasset.com
Asset Management: Global
Specializing in Semiconductor and Electronic Test Equipment collateral. Lender services include Consignment Sales, Remarketing, Portfolio Purchases, Inspections, De-installation, Repairs and Warehousing. 
testequipmentconnection.com
Email

 


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


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News Briefs---


World Seals Landmark Climate Accord, Marking Turn from Fossil Fuels
http://www.financialexpress.com/article/economy/paris-climate-summit-global-conference-adopts-historic-deal/177974/

Behind the Boom in Online Lending: A Tiny Utah Bank
http://www.wsj.com/articles/behind-the-boom-in-online-lending-a-tiny-utah-bank-1450046828

Thousands more bank jobs under threat almost 100,000 new job cuts this year
http://www.ft.com/cms/s/0/5b8c94e0-9f8f-11e5-8613-08e211ea5317.html#axzz3uFkCDY9S

GE's Immelt Says Talk of New Tech Bubble Is Baseless
"app economy" alone is worth an estimated $300 billion.”
http://www.newsmax.com/Finance/StreetTalk/GE-Jeffrey-Immelt-tech-bubble/2015/12/10/id/705333/ 

The Evolution of Fintech part one of a two part series
http://www.forbes.com/sites/falgunidesai/2015/12/13/the-evolution-of-fintech/

Sumitomo Mitsui to Acquire GE’s Japan Lending Business for $4.6 Billion
http://www.ibtimes.com/sumitomo-mitsui-acquire-ges-japan-lending-business-46b-2222969

This poll captures Amazon’s staggeringly big role in online shopping
https://www.washingtonpost.com/news/business/wp/2015/12/11/this-poll-captures-amazons-staggeringly-big-role-in-online-shopping/

 Dean Cash, ATEL Capital--Video
2015 FSU College of Business Hall of Fame


 


[headlines]

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--You May Have Missed It

Billion-dollar startup CEOs get trapped by their own success, says one unicorn CEO
http://www.businessinsider.com/how-unicorns-get-trapped-by-success-2015-12


[headlines]
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SparkPeople--Live Healthier and Longer



Soda Drinkers Beware!
Nutrition News Flash
http://www.sparkpeople.com/resource/nutrition_articles.asp?id=650


[headlines]
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Football Poem

Silver Lining to the Clouds of Doubt
When things go wrong, as they sometimes will,
When the road you're trudging seems all up hill,
When the funds are low and the debts are high,
And you want to smile but you have to sigh,
When care is pressing you down a bit,
Rest if you must, but don't you quit.
Life is queer with its twists and turns
As every one of us sometimes learns,
And many a failure turns about
When he might have won had he stuck it out;
Don't give up though the pace seems slow-
You might succeed with one last blow.
Often the goal is nearer than
It seems to be to a faltering man.
Often the struggler has given up,
When he might have captured the victor's cup.
And he learned too late, when night slipped down,
How close he was to the golden crown.
Success is failure turned inside out.
The silver lining to the clouds of doubt-
And you never can tell how close you are,
It may appear when it seems afar;
So stick to the fight when you're hardest hit-
It's when things seem worst that you mustn't quit!

 


[headlines]

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Sports Briefs----

24-1: Warriors’ record streak ends in Milwaukee
http://www.pressdemocrat.com/sports/4917439-181/24-1-warriors-record-streak-ends

Raiders' stellar defense stuns Broncos in Denver
http://www.sfgate.com/raiders/article/Raiders-turnaround-enough-to-beat-Broncos-6696040.php?cmpid=brknow#photo-9106082

Falcons handed 38-0 loss vs. Carolina
http://www.ajc.com/gallery/sports/football/photos-falcons-play-cam-newton-panthers/gCYZt/

Chargers lose to Chiefs, fall to 3-10
http://www.sandiegouniontribune.com/news/2015/dec/13/chargers-chiefs-nfl-week-14/

49ers falter against Manziel, Browns, lose 24-10
http://www.mercurynews.com/49ers/ci_29245580/49ers-falter-against-manziel-browns-lose-24-10?source=top_stories_bar

Jets Avoid Letdown, Crushing Titans
http://www.nytimes.com/2015/12/14/sports/football/new-york-jets-rout-tennessee-titans-brandon-marshall-ryan-fitzpatrick.html?ref=sports&_r=0

Seahawks move into NFC’s No. 5 playoff spot with win over Ravens
http://www.seattletimes.com/sports/seahawks/seahawks-move-into-nfcs-no-5-playoff-seed-with-win-over-ravens/

N.F.L. Week 14 Scores and Highlights
http://www.nytimes.com/interactive/projects/cp/nfl-live/week-14-scores?ref=sports

NFL playoff picture in Week 14:
 Panthers eye home-field advantage
http://www.usatoday.com/story/sports/nfl/2015/12/13/playoff-picture-week-14-panthers-cardinals-patriots-broncos/77254494/



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California Nuts Briefs---

Former Lincoln city manager had region’s highest 2014 local government pay: $470,000
http://www.sacbee.com/news/investigations/the-public-eye/article49491745.html

Water-hog list includes Giants’ Buster Posey, Motley Crue singer
http://www.sfgate.com/bayarea/article/New-water-hog-list-includes-Giants-catcher-6689879.php

 


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“Gimme that Wine”

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

Grape Escape: ABC Dismisses Renwood Winery Case
http://www.winebusiness.com/news/?go=getArticle&dataid=161904

Amazon has rolled out one-hour delivery on wine
  to shoppers in New York, it confirmed today
http://www.thedrinksbusiness.com/2015/12/amazon-rolls-out-one-hour-wine-delivery-in-new-york/

Alternate Wine Grapes for California UC advisor suggests
  less common varieties suited for state's climate
http://www.winesandvines.com/template.cfm?
section=news&content=162055

$30M bottles worth of ‘fake’ wine seized, destroyed
http://kxan.com/2015/12/10/30m-bottles-worth-of-fake-wine-seized-destroyed/


Free Mobile Wine Program
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http://two.leasingnews.org/Recommendations/wnensprts.htm

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

This Day in American History

     1763 – Fifty-Seven whites enter Conestoga Indian settlement, and in violation of a treaty made between the tribe and William Penn — to last "as long as the sun should shine, or the waters run in the rivers" — shot, stabbed, and hatcheted the three men, two women and one young boy they found there (more on 27 December).
    1774 - After Paul Revere warned Portsmouth, NH of possible attack, Massachusetts militiamen successfully attacked the arsenal of Fort William and Mary and confiscated all arms and gun powder. Actually, here was the first shot of the Revolutionary War, and not in Boston Common as history books report.  Revere did not finish his ride, nor did he communicate about the lantern signals, but he did warns several towns and woke up many farmers to warn other farmers about the possible attack, and made it to the town of Portsmouth.
http://www.nhssar.org/essays/FortConstitution.htm
http://www.seacoastnh.com/history/rev/willmary.html
http://www.seacoastnh.com/arts/please052299.html
    1782 – Charleston, SC was evacuated by British. There were more battles in South Carolina as the British fought to conquer this land more than others in the colonies at the time, and this was a major event in the American Revolutionary War.  The British had captured Charleston on May 12, 1780.
http://web.ftc-i.net/~gcsummers/revolution.htm
http://www.patriotsofcharleston.com/
    1793 - Kentucky was the first state to authorized a road. They authorized Daniel Weisiger, Bennett Pemberton, and Nathaniel Sanders as “commissioners to receive subscriptions in money, labor or property”, to raise a fund for clearing a wagon road from Frankfort, Kentucky, to Cincinnati, Ohio.
    1798 - David Wilkinson of Rhode Island patented both the nut and bolt machine, and the screw.
    1819 - Alabama became the 22nd state. Deep in the “Heart of Dixie”, (one of the state's nicknames), Alabama was first inhabited by the Creek Indians (Alabama means ‘tribal town'), then explored by the Spanish, settled by the French, and then controlled by the British. The region was ceded to the U.S. following the American Revolution. The Confederacy was founded in Alabama; the state flag still bears a resemblance to the Confederate Battle Flag. Alabama's motto, "Audemus jura nostra defendere – We Dare Defend Our Rights" - has been taken very seriously throughout the state's history, especially in the 1950s and 1960s, as it was the site of landmark civil rights actions. The state tree, pinus palustris or Southern longleaf pine; and the camellia, the state flower, are plentiful throughout the state, as is the state bird, the yellowhammer, which is also the state's other nickname.
    1863 - President Lincoln announces a grant of amnesty for Mrs. Emilie Todd Helm, Mary Lincoln's half-sister and the widow of a Confederate general. The pardon was one of the first under Lincoln's Proclamation of Amnesty and Reconstruction, which he had announced less than a week before. The plan was the President's blueprint for the reintegration of the South into the Union. Part of the plan allowed for former Confederates to be granted amnesty if they took an oath to the United States
    1885 - Birthday of Ethel Browne Harvey (d. 1965), Baltimore, MD.  U.S. cell biologist, embryologist, most noted for her findings about cell division, bringing her international fame. Using sea urchins, she was able to excite cell division without maternal or paternal nucleus. Harvey speculated that her parthenogenetic meogones might mean that fundamental characteristics of living matter (such as cell division) were cytoplasmic, while genes controlled later, more specialized characteristics (like eye color). Today, sea urchins are very much in demand by connoisseurs, not only for their taste but supposed aphrodisiac ability, attributed to Dr. Harvey's work.
    1896 - Birthday of James Doolittle (d. 1993) at Alameda, CA.  American aviator and World War II hero, Lieutenant General in the US Army Air Force, he was the first person to fly across North America in less than a day. He was a pioneer in instrument landing techniques during the 1920s when flying was still in its infancy.  On Apr 18, 1942, Doolittle led a squadron of 16 B-25 bombers, launched from aircraft carriers, on the first US aerial raid on Japan of World War II.   Until that time, after the attacks on Pearl Harbor, the US was not faring well against the Japanese.  The daring raid was considered dangerous because the thought was that B-25s could not take off from a carrier.  While the damage to Tokyo was slight, it pierced the Japanese feeling of invincibility and turned US morale around that continued through the remainder of the war.  He was awarded the Congressional Medal of Honor for this accomplishment. Doolittle also headed the Eighth Air Force during the Normandy invasion.
    1897- Birthday of Margaret Chase Smith (d. 1995) at Skowhegan, ME.   Smith was the first woman to be elected to both houses of Congress (1941 to the House and 1949 to the Senate). She was also one of seven Republican senators to issue a “declaration of conscience” to denounce Senator Joseph R. McCarthy's communist witch-hunt.
    1902 - The ship, "Silverton", set sail from the Bay Area to lay the first telephone cable between San Francisco, California and Honolulu, Hawaii. The project was finished by January 1, 1903.
    1903 – The Wright Brothers make the first powered flight at Kitty Hawk, NC.  Coincidentally this was the same date in 1782 that the Montgolfier brothers succeeded in launching the first piloted ascent into the sky in a balloon, in France.  The three-second flight attempt stalled after takeoff and caused minor damage to the Flyer.  Following repairs, the Wrights took off again on December 17, 1903, making two flights each from level ground into a freezing headwind gusting to 27 miles per hour. The first flight, by Orville at 10:35 am, of 120 feet in 12 seconds, at a speed of only 6.8 miles per hour over the ground, was recorded in the famous photograph.  The next two flights covered approximately 175 and 200 feet, by Wilbur and Orville respectively. Their altitude was about 10 feet above the ground. 
http://www.wam.umd.edu/~stwright/WrBr/wrights/1903.html
    1910 - Tenor sax player Bud Johnson born Dallas, Texas.
    1911 - The elusive object of many expeditions dating from the 7th century, the South Pole was located and visited by Roald Amundsen with four companions and 52 sled dogs. All five men and 12 of the dogs returned to base camp safely. The next to visit the South Pole, January 17, 1912, was a party of five led by Captain Robert Scott, all of whom perished during the return trip. A search party found their frozen bodies 11 months later.
    1917 – June Taylor (d. 2004) was born in Chicago.  Best known as the founder of the June Taylor Dancers, who were featured on Jackie Gleason’s various television variety programs.  In 1946, Taylor met Gleason at a Baltimore nightclub. The two became friends when Taylor helped Gleason overcome a case of stage fright.  In 1948, Taylor made her television debut on “The Toast of the Town starring Ed Sullivan, where six of her original dancers appeared as The Toastettes.  Two years later, Taylor joined Gleason's Cavalcade of Stars, and followed him, along with 16 dancers, to “The Jackie Gleason Show”, where her signature was the overhead camera shot of the dancers making kaleidoscopic geometric patterns, reminiscent of the work of Busby Berkeley.  She won an Emmy for choreography in 1955.
    1920 - Trumpet Player Clark Terry (d. 2015) was born in St. Louis.
http://hardbop.tripod.com/terry.html
    1922 – Don Hewitt (d. 2009), the creator of CBS’ “60 Minutes” was born in NYC.  At the time of his death, “60 Minutes” was the longest-running prime-time broadcast on American television.  Under Hewitt's leadership, “60 Minutes” was the only news program ever rated the nation’s top-ranked television program, an achievement it accomplished five times.  Hewitt produced the first televised presidential debate in 1960, between candidates Richard Nixon and John F. Kennedy.
    1924 - The temperature at Helena, MT, plunged 79 degrees in 24 hours, and 88 degrees in 34 hours. The mercury plummeted from 63 above to 25 below zero. At Fairfield, MT the temperature plunged 84 degrees in just 12 hours, from 63 at Noon to 21 below zero at midnight
    1934 - The first streamlined steam locomotive was introduced by the New York Central Lines between Albany and Kamer, NY. Built in West Albany, NY, it was named the “Commodore Vanderbilt” after the founder of the New York Central Lines. It developed 4,075 horsepower.
    1939 - Jimmy Lunceford Band records “Uptown Blues”, New York City.
    1939 - League of Nations, the international peacekeeping organization formed at the end of World War I, expels the Union of Soviet Socialist Republics in response to the Soviets' invasion of Finland on October 30. President Roosevelt, although an "ally" of the USSR, condemned the invasion, causing the Soviets to withdraw from the New York World's Fair. And finally, the League of Nations, drawing almost its last breath, expelled it.
    1939 – Ernie Davis (d. 1963), the first African-American to win the Heisman Trophy, was born in New Salem, PA.  After his All-American career at Syracuse University, Davis was drafted #1 by the Washington Redskins who traded him immediately to the Cleveland Browns.  He never played a professional game, as he was diagnosed with leukemia in 1962 and died at the age of 23. Davis was inducted into the College Football Hall of Fame in 1979.
    1944 - NEPPEL, RALPH G., Medal of Honor
Rank and organization: Sergeant, U.S. Army, Company M, 329th Infantry, 83d Infantry Division. Place and date: Birgel, Germany, 14 December 1944. Entered service at: Glidden, lowa. Birth: Willey, lowa. G.O. No.: 77, 10 September 1945. Citation: He was leader of a machinegun squad defending an approach to the village of Birgel, Germany, on 14 December 1944, when an enemy tank, supported by 20 infantrymen, counterattacked. He held his fire until the Germans were within 100 yards and then raked the foot soldiers beside the tank killing several of them. The enemy armor continued to press forward and, at the pointblank range of 30 yards, fired a high-velocity shell into the American emplacement, wounding the entire squad. Sgt. Neppel, blown 10 yards from his gun, had 1 leg severed below the knee and suffered other wounds. Despite his injuries and the danger from the onrushing tank and infantry, he dragged himself back to his position on his elbows, remounted his gun and killed the remaining enemy riflemen. Stripped of its infantry protection, the tank was forced to withdraw. By his superb courage and indomitable fighting spirit, Sgt. Neppel inflicted heavy casualties on the enemy and broke a determined counterattack.
    1944 - THOMAS, CHARLES L., Medal of Honor
Citation: For extraordinary heroism in action on 14 December 1944, near Climbach, France. While riding in the lead vehicles of a task force organized to storm and capture the village of Climbach, France, then First Lieutenant Thomas's armored scout car was subjected to intense enemy artillery, self-propelled gun, and small arms fire. Although wounded by the initial burst of hostile fire, Lieutenant Thomas signaled the remainder of the column to halt and, despite the severity of his wounds, assisted the crew of the wrecked car in dismounting. Upon leaving the scant protection which the vehicle afforded, Lieutenant Thomas was again subjected to a hail of enemy fire which inflicted multiple gunshot wounds in his chest, legs, and left arm. Despite the intense pain caused by these wounds, Lieutenant Thomas ordered and directed the dispersion and emplacement of two antitank guns which in a few moments were promptly and effectively returning the enemy fire. Realizing that he could no longer remain in command of the platoon, he signaled to the platoon commander to join him. Lieutenant Thomas then thoroughly oriented him on enemy gun dispositions and the general situation. Only after he was certain that his junior officer was in full control of the situation did he permit himself to be evacuated. First Lieutenant Thomas' outstanding heroism was an inspiration to his men and exemplifies the highest traditions of the Armed Forces.
    1946 – The United Nations voted to establish headquarters in NYC.
    1947 - Part-time auto racer and full-time promoter Bill France, Sr., tried to bring some order to the chaotic world of stock car racing by opening a 3-day meeting at the Streamline Hotel in Daytona Beach, Florida, among several warring factions. The result of the meeting was the creation of NASCAR, the National Association of Stock Car Automobile Racing, the body that has governed the sport ever since.
    1951 - Top Hits
“Sin (It's No)” - Eddy Howard
“Slowpoke” - Pee Wee King
“Rudolph, the Red-Nosed Reindeer” - Gene Autry
“Let Old Mother Nature Have Her Way” - Carl Smith
    1953 - 19-year old Sandy Koufax signed with the Brooklyn Dodgers. Until that date, Koufax reportedly had played no more than 20 games of baseball and was primarily a basketball player who walked on to the University of Cincinnati team as a freshman. During the next 12 seasons, he posted a 167-87 record, 2.76 ERA and 2,396 strikeouts, threw four no-hitters including a perfect game, 7-time All-Star, 4-time World Series champ, 2-time World Series MVP, one-time NL MVP, 3-time Cy Young Award winner and became the youngest inductee into the Baseball hall of Fame at age 30.
    1953 - "I Want a Hippopotamus for Christmas", recorded earlier in the year by 10 year old Gayla Peevey, inspired an Oklahoma City fund-raising effort to buy a hippopotamus for the Oklahoma City Zoo. Oklahomans raised $4,000 for the cause, with much of the money coming from children. The zoo bought a 3-year-old hippo named Matilda who had eight offspring and died in 1998.
    1954 - Birthday of Alan Kulwicki, auto racer, born at Greenfield, WI. Kulwicki was NASCAR's Rookie of the Year in 1987 and Winston Cup champion in 1992. He won 24 NASCAR races in 207 starts. He died in a plane crash, April 1, 1993. Maybe John Madden is right to travel by bus. Kulwicki was safer on the race track than in the air.
    1959 - Guy Mitchell achieves his second Billboard number one hit with "Heartaches by the Number".
    1959 - Top Hits
“Heartaches by the Number” - Guy Mitchell
“Mr. Blue” - The Fleetwoods
“In the Mood” - Ernie Field's Orch.
“The Same Old Me” - Ray Price
    1961 - In a public exchange of letters with South Vietnamese President Ngo Dinh Diem, President John F. Kennedy formally announces that the United States will increase aid to South Vietnam, which would include the expansion of the U.S. troop commitment. Shortly after President Kennedy was assassinated, there were more than 16,000 U.S. advisers in South Vietnam. Kennedy's successor, Lyndon B. Johnson, rapidly escalated the war, which resulted in the commitment of U.S. ground forces and eventually more than 500,000 American troops in Vietnam.
    1962 – NASA’s Mariner 2 became the first spacecraft to fly by Venus.
    1963 - The Beatles' "I Want to Hold Your Hand" begins a five week stretch at number one on the UK record charts, replacing their own "She Loves You".
    1963 - The dam containing the Baldwin Hills Reservoir burst, killing five people and damaging hundreds of homes in LA.
    1964 - The Supreme Court ruled that Congress can use the Constitution’s Commerce Clause to fight discrimination.  (Heart of Atlanta Motel v. United States).
    1967 - Top Hits
“Daydream Believer” - The Monkees
“The Rain, the Park and Other Things” - The Cowsills
“I Say a Little Prayer” - Dionne Warwick
“It's the Little Things” - Sonny James
    1968 - Tommy James and the Shondells' "Crimson and Clover" is released.
    1968 - Iron Butterfly's epic "In-A-Gadda-Da-Vida" goes gold.
    1969 - San Diego wide receiver Lance Alworth sets a professional record with a pass reception in his 96th straight game.
    1970 - While golfing great Lee Trevino won only two tournaments during the year; he still became the top golf money-winner with his yearly earnings averaging $157,037.
    1970 - The National Press Club finally voted to admit women members.
    1972 – Astronaut Gene Cernan became the last person to walk on the moon, after he and Harrison Schmitt completed the third and final extra-vehicular activity (EVA) of the Apollo 17 mission.
    1974 - David Crosby and Graham Nash perform together in San Francisco at a benefit concert for the United Farm Workers and Project Jonah, a whale protection media project.
    1975 - Top Hits
“Fly, Robin, Fly” - Silver Convention
“Let's Do It Again” - The Staple Singers
“Saturday Night” - Bay City Rollers
“Love Put a Song in My Heart” - Johnny Rodriguez
    1977 - "Saturday Night Fever" premieres in New York City. It not only makes a star out of John Travolta, but spreads the disco craze throughout the country. The soundtrack is full of recent and soon-to-be dance hits by the Bee Gees, the Trammps, Kool and the Gang, MFSB, K.C. and the Sunshine Band and Yvonne Elliman. It will be one of the biggest-selling albums of all time.
    1980 - At Yoko Ono's request, at 2 p.m. Eastern Standard Time, John Lennon fans around the world mourn him with ten minutes of silent prayer. In New York over 100,000 people converge in Central Park in tribute and in Liverpool, a crowd of 30,000 gatherers outside of St. George's Hall on Lime Street.
    1982 - Marcel Dionne of the Los Angeles Kings scored the 500th goal of his career in a 7-2 loss to the Washington Capitals. Dionne played from 1971-72 through 1988-89 and finished his career with 731 goals.
    1983 - Top Hits
“Say Say Say” - Paul McCartney and Michael Jackson
“Say It Isn't So” - Daryl Hall-John Oates
“Union of the Snake” - Duran Duran
“Tell Me a Lie” - Janie Fricke
    1985 - UCLA defeated American University, 1-0, with a goal in the eight overtime period to win the NCAAA soccer championship in the longest game in US college soccer history.
    1985 - The United States' high school football coach with the most wins called it quits. After 43 years, Gordon Wood, 71, of Brownwood High School in Central Texas, retired. Wood had a career record of 405 wins, 88 losses and 12 ties. The football stadium at Brownwood High was rebuilt and named after him.
    1985 - Wilma Mankiller takes the oath of office as the principal chief of the Cherokee Nation of Oklahoma, the first time a woman has headed a major Native American tribe. ERRATA: Several people have written regarding Wilma Mankiller to say that her title was the first time since the European annexation of Amerindian lands and rights that a woman was recognized by the white people as a tribal chief. Evidently women “were” tribal leaders before the coming of the Europe
    1986 - Elton John records a live version of "Candle in the Wind" in Australia with the Melbourne Symphony Orchestra. The song is released as a single and hits #6 on the chart.
    1986 - The experimental aircraft Voyager, piloted by Dick Rutan and Jeana Yeager, took off from Edwards Air Force Base in California on the first non-stop, non-refueled flight around the world. On December 14, 1986, Yeager and Rutan began their history-making flight in the Voyager, flying the maximum circumference of the globe in nine days, three minutes and forty-four seconds.
    1987 - A powerful storm spread heavy snow from the Southern High Plains to the Middle Mississippi Valley, and produced severe thunderstorms in the Lower Mississippi Valley. During the evening a tornado hit West Memphis, TN killing six persons and injuring two hundred others. The tornado left 1500 persons homeless, and left all of the residents of Crittendon County without electricity. Kansas City, MO was blanketed with 10.8 inches of snow, a 24 hour record for December, and snowfall totals in the Oklahoma panhandle ranged up to 14 inches. Strong winds, gusting to 63 mph at Austin, TX, ushered arctic cold into the Great Plains, and caused considerable blowing and drifting of snow.
    1988 - The Miami Heat defeated the Los Angeles Clippers in Los Angeles to earn the first victory in the franchise's history. The Heat, in their first season, had gone 17 games without a win, an NBA record for most consecutive defeats at the start of a season.
    1989 - High winds and heavy snow prevailed from Montana to Colorado. Snowfall totals in Wyoming ranged up to 20 inches at Burgess Junction, leaving up to 48 inches on the ground in the northeast sections of the state. Wind gusts in Colorado reached 87 mph south of the town of Rollinsville. Strong northwesterly winds continued to produce heavy snow squalls in the Great Lakes Region. Totals in northeastern Lower Michigan ranged up to 29 inches at Hubbard Lake, with 28 inches reported at Posen. Two day totals in northeastern Wisconsin ranged up to thirty inches.
    1991 - Top Hits
“Black or White” - Michael Jackson
“It's So Hard to Say Goodbye to Yesterday” - Boyz II Men
“All 4 Love” - Color Me Badd
“For My Broken Heart” - Reba McEntire
    1997 - Phoenix Coyote Mike Gartner is 5th NHL player to score 700 goals
http://www.neutralzonehockey.com/gartner.htm
   1997 - Elton John's tribute to Princess Diana, "Candle in the Wind 1997", was at its ninth week at number 1 on the Billboard chart. The record would eventually pass Bing Crosby's "White Christmas" to become the largest selling single of all time.
    1999 - Top Hits
“Smooth” - Santana Featuring Rob Thomas
“Back At One” - Brian McKnight
“I Wanna Love You Forever” - Jessica Simpson
“I Knew I Loved You” - Savage Garden
    2002 - A powerful Pacific storm system plowed into the western United States during the 13th-16th, producing high winds, heavy rains, significant mountain snowfall and causing 9 deaths (Associated Press). Rainfall amounts exceeding 10 inches occurred in parts of California, and wind gusts over 45 mph produced up to 1.9 million power outages during the period.
    2012 - Twenty-eight people, including the gunman, are killed in Sandy Hook (CT) Elementary School.  20-year-old Adam Lanza fatally shot 20 children and 6 adult staff members.  Prior to driving to the school, Lanza shot and killed his mother at their Newtown home.  As first responders arrived at the scene, Lanza committed suicide by a shot to the head.

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- Financial Pacific Leasing Digitizes
   End-to-End Transaction Lifecycle with DocuSign & eOriginal
- "Your lease rates are too high"
- Bulletin Board Complaint
   Balboa Capital, Irvine, California
- Provide “Added Value” by Protecting Your Customer
    Get Repeat Customer/Vendor Business with These Tips
      By Christopher Menkin
- Reader Complaint About LEAF Financial Investment (Collection)
- 2015 U.S. Digital Future in Focus
     by comScore
- Report: “The Impact of Alternative Financing on the
    Equipment Leasing and Finance Industry"
- The Equipment Leasing and Finance Foundation Releases
 study "Digital Documents in the Equipment Finance Industry”
- Bulletin Board Complaint Matrix Business Capital
    First Response to Cease & Desist
- US Business Funding, Newport Beach, California
  Bulletin Board Complaint $5,915 Deposit Made in 2013
- Update--Balboa Files: "It was an Operating Lease"
   By Tom McCurnin and Frank Peretore 
- Leasing Brokers: When May You Collect a Commission?
- Bulletin Board Complaint
    Integrity Financial Groups, Alpine, Utah
- “Capital” or “Finance” in Name, Better Have a License
- Bulletin Board Complaint
  Brian Acosta/Matrix Business Capital
- Maricle Found Guilty in Not Returning Advance Fees  
- Balboa Capital Sued in Federal Court for
        Bait and Switch Sales Tactics
- Details, Details...How Important are they?
   Very, When the Lessor Sneaks in a Blanket Lien
- What is Leasing?
    Legal Definitions by Leasing News Legal Editor Tom McCurnin
- Invest in Your Country
  U.S. Savings Bonds
- How to be a “Leasing Expert Witness”
    and Make Extra Income
- 2014 Survey Reports Expert Witness Hourly Fees
    Record All-Time Highs
- Your Photograph on LinkedIn.com
Use a Password Generator
- Banks Turn Toward Leasing for More Profit
- Why Leasing News is Different
- Take Your Banker to Lunch
- Look Out!!! --Two Evergreen/PRR Clause Lessors Merge
   Onset Financial/Mazuma Capital
- Lease Police Tips on Judging Vendors
- Netiquette: Rules of Behavior For Email and the Internet
- Alert: Rudy Trebels Back Soliciting Broker Business
- HL Leasing/John Otto--Update
- NorVergence- Year end, 2013
- Twelve Lawyers Against Evergreen Clause Abuse
- Wants to Go After Lessors and Their Attorneys
   Re: Evergreen Clause Abuses
- Sample of Usury Laws in United States
- Balboa Capital Class Action Case Settled--$5 million?
- Old Cowboy On His Horse
- Leasing Brokers: When May You Collect a Commission?
- Is Long Term Leasing Dead?
- 5 Ways Women Are Better Bosses Than Men
- Balboa Capital, Irvine, California
   $20,543.22 Bulletin Board Complaint
   Alleged “Bait and Switch”
- Female Lease Finance Association Presidents
- Broker’s Responsibility to Obtain
    California Lender’s License
- The Day that Albert Einstein Feared May Have Finally Arrived
- Equipment Finance Agreements Explained/Barry S. Marks
- Royal Links "True Lease" Court Ruling
- "The Memory Shock" –New Book by Barry Reitman
- Jeff Taylor's Leasing Predictions, Spring, 2006
- New Case against Mazuma Capital and Republic Bank
  ---Automatic Evergreen Payment---PPR
- Charles Schwartz and Allied Health
- Copier Wars---It's more than the lease payment
    by Christopher Menkin
- Leasing Gypsies
- Verifying Tax Returns
- Special Report: Part I
   Could Church Kiosks, Royal Link Carts, NorVergence results been avoided?

   The use of “Equipment Finance Agreements”
- Special Report: Part II
    Bank of the West

   Equipment Lease Agreement (EFA)
- California License Web Addresses
- Settlement Costs vs. Litigation Costs