Leasing News - information, news, education and entertainment for the commercial bank, finance and leasing industry

Apology to Financial Pacific
Should have been FinTech

Twice in the headlines, your editor at the last minute changed the headlines, and instead of typing in FinTech, put in FinPac. Don’t know why. Could have been right after I had placed their ad. I apologize for the error.
Kit Menkin, Editor

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

New FinTech Association Hires Executive Director
12 Years Washington Public Policy Experience
http://leasingnews.org/archives/Dec2015/12_16.htm#finpac

[headlines]
--------------------------------------------------------------

New Hires---Promotions in the Leasing Business
and Related Industries

Doug Andring was hired as Vice President and Regional Sales Manager, Technology Channel Sales Force, Creekridge Capital, Edina, Minnesota; he is based out of the Dallas/Fort Worth area. Previously, he was Business Development Manager, Marlin Finance (June, 2011 – October, 2015); Region Sales Representative, Key Equipment Finance (June, 2006 – June, 2011); Director of Sales, Pitney Bowes Global Financial Services (January, 1984 – January, 2006). Education: Minnesota State University, Moorhead, Bachelor of Science, Finance and Economics (1977 – 1981). Activities and Societies: 4 year member of Track and Field team.
https://www.linkedin.com/in/doug-andring-648a2012

Charles Ahan hired as National Accounts at Partners Capital Group, Irvine, California. Previously, he was Marketing Manager, Pro 5 USA, joining the firm January, 2008.Languages: English, Japanese, Korean, Spanish. Education: University of Southern California.
https://www.linkedin.com/in/charles-ahn-693a0210b

Lee Cooper was promoted to "President and Chief Executive Officer of GE Healthcare’s United States and Canada region effective Jan. 1, Fairfield, Connecticut. “He succeeds Marcelo Mosci. Mosci is retiring from GE on April 1, 2016, after 16 years with the company and about five years running the Wauwatosa-based U.S. and Canadian business. Cooper will oversee the company’s U.S. and Canada region that records annual revenue of about $8 billion and sells imaging, diagnostics, monitoring, information technologies, performance solutions and life sciences offerings." He joined GE Capital, January, 2009, and succeeded to CMO & CCO Americas; Commercial Officers, Sales & Marketing, GE (June, 2012 -June, 2015); VP, Global Sales & Marketing leader-Energy Management, GE (June,,2014 –December, 2015) Education: Ohio Wesleyan University
https://www.linkedin.com/in/lee-cooper-9636335

David Gerrard was hired as VP, National Sales Manager, CIT; he is based out of West Chester, Pennsylvania. Previously, he was VP Sales, Office Products, Macquarie Group; VP Sales, Office Products, Huntington Technology Finance (April, 2015 – November, 2015); Sales & Program Management, Technology Finance, Element Financial Corporation (who purchased Co-Active Capital Partners) (February, 2005 – April, 2014 ); Vice President, Sales and Business Development-Financial Institutions, De Lage Landen Financial Services, Inc. (1992 – 2005); District Sales Manager, Lanier Worldwide (1983 – 1992). Education: University of Michigan, BA, Economics, Microbiology (1978 – 1982); Garden City West High School,
https://www.linkedin.com/in/david-gerrard-421b0515

Paul Hanson was hired as Senior Vice President of Sales at IL Group, Greater Atlanta Area. Previously, he was Director Strategic Marketing Reinsurance Group of America, Incorporated (November, 2014 – November, 2015); Managing Director, Invest in You Enterprises, LLC (January, 2012 – November, 2014); Executive Director of Sales and Marketing, Collateral Specialists Inc. (March, 2009 – November, 2011); SVP, Field Operations; SVP, Marketing, Textron Financial Corp. (July, 2004 – May, 2008); Managing Director-Operations, Marketing Director, President of Product Development, SVP Marketing, GE Capital (June, 1979 – May, 2004). Certifications: Six Sigma Green Belt. Education: Washington University in St. Louis, Olin Business School. MBA (1993 – 1995). University of Cincinnati, BA, Psychology (1970 – 1975).
https://www.linkedin.com/in/paulghanson

David Rabouin was hired as Director of Unsecured Loans, BW Capital Solutions, Irvine, California. Previously, he was Sales Manage, Orange, California Branch Office, World Business Lenders, LLC (March, 2015 – August, 2015); Working Capital - Sales Manager, Core Financial Inc. (April, 2014 – March, 2015); Sr. Financial Consultant, Quick Working Capital (November, 2013 – May, 2014); Senior Consultant, Capital Alliance Group (January, 2013 – October, 2013). Petty Officer Second Class, U.S. Coast Guard (December, 2004 – June, 2012). Courses: U.S. Coast Guard, Leadership and
Management. Core Financial Inc., The Landmark Forum. Education:
DeVry University, Business/Corporate Communications (2012 – 2015).
Foothill High School.
https://www.linkedin.com/in/david-rabouin-a2151491

Cindy Robichaud was hired as Sr. Funding Coordinator at Dimension Funding, Irvine, California. Previously, she was Sr. Funding Coordinator/Funding Manager, Go Capital (July, 2013-Apri, 2015; Funding Coordinator, Culver Capital Group (March, 2008-July, 2013), Senior Account Manager, Nationstar Mortgage formerly known as Centex Home Equity (January, 2004-august, 2008), Funding, MSM Capital (1998-1999).

David Shevsky was hired as Ally Bank Chief Risk Officer, in conjunction with Ally Financial "consumer auto financing products for vehicles purchased on Beepi, an online platform launched last year that uses technology to conduct transactions online or via smartphone." He previously was Loan Review Officer, GMAC Inc. (October, 2008 – December, 2015); Director, Enterprise Risk Management Global Automotive Finance, GMAC (September, 2007 – October, 2008). "Shevsky joined Ally in 1986 where he began his career with a series of positions supporting the auto finance operation from a credit analysis and risk perspective. During his career, he supported both the domestic and international auto finance operations, and in 2004, he became a senior vice president of enterprise risk for the company and began to take a company-wide view of commercial credit risk and capital management." Education: Walsh College of Accountancy and Business Administration, Masters, Finance (1995 – 1998). Wayne State University, Bachelor of Arts, Marketing (1984 – 1987).
https://www.linkedin.com/in/david-shevsky-8735959

Matt Taylor was promoted to Managing Director, KeyBanc Capital Markets; he is based in Boulder, Colorado. He joined Key Bank, July, 2006, as Management Associate; promoted January, 2008, Associate, Portfolio Advisory and Capital Markets, Key Equipment Finance; promoted, February, 2010, Vice President; Director, June, 2012. Previously, he was Campus Rep., University Tees (2005 – 2006). Certifications: Series 63. Series 52. Education: University of Denver, Daniels College of Business, MBA, Strategic Innovation and Change (2011 – 2013). Ohio University, BBA, Marketing and Finance
(2002 – 2006).
https://www.linkedin.com/in/matt-taylor-476481b

[headlines]
--------------------------------------------------------------

Experts Say December Best Month to Look for a Job
www.businessinsider.com

December is a month often marked by holiday time off and reviewing budgets, so it's easy to assume this isn't the best time of year to look for a new job.

But some HR experts say those factors, among other things, are actually why December is the ideal time to start a job hunt.

Of more than 500 human resources or hiring managers surveyed by Accounting Principals, a recruiting company under the umbrella of Adecco Group North America, 94% recommend job-seekers keep up their search through the end of the year.

If you're in the market for a new job, here's why you should start looking now instead of waiting until January:

1. There are plenty of jobs out there.

"Many people take off from work during December, so job seekers often take that as a cue that human resources professionals are out of the office and hiring comes to a halt in December," Joe Weinlick, senior vice president of marketing at Beyond, an online career network, tells Business Insider. "Based on our conversations with human resource managers, this is a myth."

While some people will tell you that no one wants to hire in December, Accounting Principals senior vice president Kathy Gans tells Business Insider that at this point many employers have anticipated their needs for 2016, and with their budgets set, they've already begun the search for candidates so they can hit the ground running in the New Year.

"To take advantage of this time, job hunters should connect with recruiters now to get on their radar ahead of the New Year rush," she says.

2. There's less competition.

From analyzing Beyond's member data, Weinlick says he sees a drop off in job seeker activity over the Thanksgiving holiday through the end of December.

"Most people want to take some time to enjoy the festivities and spend time with family," he says. "This naturally means less time spent focusing on work or looking for a job."

With other candidates taking a break from their job search during the holidays, Gans says it's easier to stand out from the crowd and get ahead of the game by January, when the rest of the talent pool is just making the decision to switch jobs.

"Be sure to keep up your conversations throughout the holidays," she advises. "Recruiters are more likely to place a candidate that has been in contact with them throughout the holidays than those who have been unresponsive."

Christmas tree laptop working that means also keeping your schedule flexible.

"Employers that are looking to make new hires before the New Year may have limited time slots for interviewing because key decision makers are on vacation," Weinlick says. "Be willing to come in and meet with people on short notice if asked."

3. Hiring managers may feel more pressure to find candidates.

"December can be a frustrating month for recruiters as many job candidates have taken a break from job seeking during the holiday," Weinlick says. "Good candidates are more likely to stand out."

He says that now more than ever, time to hire is a metric that's being used to measure a recruiter's success. So if there's a job opening, the bottom line is that that job needs to be filled sooner rather than later.

4. There are more networking opportunities.

"The holiday season is filled with holiday parties and events, which makes it the perfect time of year to network," Gans says.

Whether it's a holiday party thrown by family and friends or a business function hosted by a professional association, she says there are plenty of opportunities to let others know you're in the market for a new job.

"Fellow party-goers may be willing to put you in touch with potential connections," Gans says.

5. Hiring managers may be in better moods.

Based on feedback from job seekers, Weinlick says recruiters and hiring managers are typically happier and easier to approach during the holidays.

"Approaching them while they are in a thankful and charitable mindset increases your chances of successfully securing an interview," he says.

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

Element closes rated ABS notes offered through new
US$4.8 billion Chesapeake Funding II LLC

Conduit to fund U.S. fleet assets

TORONTO, Ontario, - Element Financial Corporation (TSX:EFN) (“Element” or the “Company”), one of North America’s leading fleet management and equipment finance companies, announced that the Company has closed Chesapeake Funding II LLC, the new US$4.8 billion rated asset backed security (“ABS”) funding conduit that Element has established as the permanent funding platform for its U.S. fleet management business.

In conjunction with the establishment of this new ABS conduit, the Company today issued US$1.5 billion in variable funding notes and is expected to close an additional US$1.8 billion in term notes on December 31, 2015. Subsequent to these issuances, the Company will have un-drawn commitments of US$1.5 billion from Chesapeake Funding II LLC to fund future growth in fleet assets. Interest rate spreads for these notes were in line with previously funded fleet ABS transactions. Proceeds from the notes will be used to repay a portion of Element’s three-year term senior secured credit facility.

Element is one of the world’s largest fleet management companies serving more than 5,000 commercial and industrial business customers with equipment financing and servicing solutions for more than 1.6 million cars and light duty trucks in operation across North America, Australia and New Zealand.

Chesapeake Funding II LLC was established on the same structuring principles as Element’s initial fleet ABS conduit, Chesapeake Funding LLC, which has closed more than 17 offerings in the term market since 1999 and has issued more than US$7.7 billion in ABS securities to private and public investors since 2003 including four offerings totaling more than US$2.2 billion in 2009 in the wake of the financial crisis.

Steve Hudson
Element’s CEO & Founder

“By gaining early access to our new rated Chesapeake ABS conduit to permanently fund the U.S. fleet assets that we recently acquired from GE, we are ahead of schedule in bringing the funding costs attributable to these assets in line with the US$90 million to US$95 million in integration cost savings that we had earmarked for the GE fleet acquisition,” noted Steven K. Hudson, Element’s Chief Executive Officer.

Michel Beland
Chief Financial Officer &
Chief Administrative Officer

“I’m particularly pleased that in the context of the current market, the response to the offering that we closed today was very strong with orders exceeding supply by a factor of almost two to one,” said Michel Beland, Element’s Chief Financial Officer.

JP Morgan Securities LLC acted as the sole structuring agent and lead arranger for these transactions together with a syndicate of 14 lenders.

About Element Financial Corporation

With total assets in excess of $23.5 billion, Element Financial Corporation is one of North America’s leading fleet management and equipment finance companies. Element operates across North America in four verticals of the equipment finance market - Fleet Management, Rail Finance, Commercial & Vendor Finance, and Aviation Finance.

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

[headlines]
--------------------------------------------------------------

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

LifeLock, Security Program to pay $100 Million
to FTC, Mislead Ability with Deceptive Advertising

LifeLock will pay $100 million to settle Federal Trade Commission contempt charges that it violated the terms of a 2010 federal court order that requires the company to secure consumers’ personal information and prohibits the company from deceptive advertising. This is the largest monetary award obtained by the Commission in an order enforcement action.

Edith Ramirez
FTC Chairwoman

“This settlement demonstrates the Commission’s commitment to enforcing the orders it has in place against companies, including orders requiring reasonable security for consumer data,” said FTC Chairwoman Edith Ramirez. “The fact that consumers paid LifeLock for help in protecting their sensitive personal information makes the charges in this case particularly troubling.”

The FTC’s filing in the case alleged that LifeLock violated four components of the 2010 order. First, the FTC alleged that from at least October 2012 through March 2014, LifeLock failed to establish and maintain a comprehensive information security program to protect users’ sensitive personal information including their social security, credit card and bank account numbers.

Second, the filing alleged that during this period LifeLock falsely advertised that it protected consumers’ sensitive data with the same high-level safeguards used by financial institutions. Third, the FTC alleged that, from January 2012 through December 2014, LifeLock falsely advertised that it would send alerts “as soon as” it received any indication that a consumer may be a victim of identity theft. Finally, the FTC alleged that the company failed to abide by the order’s recordkeeping requirements.

Under the terms of the settlement, LifeLock must deposit $100 million into the registry of the U.S. District Court for the District of Arizona. Of that $100 million, $68 million may be used to redress fees paid to LifeLock by class action consumers who were allegedly injured by the same behavior alleged by the FTC. These funds, however, must be paid directly to and received by consumers, and may not be used for any administrative or legal costs associated with the class action.

Any money not received by consumers in the class action settlement or through settlements between LifeLock and state attorneys general will be provided to the FTC for use in further consumer redress.

In addition to the settlement’s monetary provisions, recordkeeping provisions similar to those in the 2010 order have been extended to 13 years from the date of the original order.

The Commission vote approving the stipulated final order was 3-1, with Commissioner Maureen Ohlhausen voting no. Commissioner Ohlhausen issued a dissenting statement. The FTC filed the proposed order in the U.S. District Court for the District of Arizona.

NOTE: Stipulated final orders have the force of law when approved and signed by the District Court judge.

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

((Please Click on Bulletin Board to learn more information))
(Leasing News provides this ad “gratis” as a means
to help support the growth of Lease Police)

[headlines]
--------------------------------------------------------------

Fernando's View
By Fernando F. Croce

A breezy biopic ("Trumbo") and a vigorous Shakespeare interpretation ("Macbeth") come to theaters, while new DVD releases offer a winning comedy ("Mistress America"), a candid documentary ("Amy"), and an unforgettable classic ("Tabu").

In Theaters:

Trumbo (Bleecker Street Media): One of the most fascinating Hollywood figures to get involved in the blacklist established during the Cold War, screenwriter Dalton Trumbo is the subject of this breezy biopic, a change of pace for comic director Jay Roach ("Meet the Parents"). Bryan Cranston gives a shrewd performance as Trumbo, capturing the man's irascible temperament and wit as the acclaimed writer finds himself increasingly alienated within the movie business due to his leftist politics. With fear of a clash with the Soviet Union growing in the late 1940s and early 1950s, pressure is placed on studio bosses and actors to turn against outspoken activists, and Trumbo soon has to resort to writing B-movies under a pseudonym. His undaunted path is chronicled with a light hand, aided by an exceptional supporting cast that includes Diane Lane, John Goodman, and Helen Mirren.

Macbeth (Weinstein Company): Shakespeare's harrowing tale of power madness gets new cinematic life in this vigorous version, directed by rising Australian filmmaker Justin Kurzel ("The Snowtown Murders"). Set in the grim moors of Scotland, the story follows the bloody path of Macbeth (Michael Fassbender, in a fierce turn), a general who embarks on an ambitious quest after receiving a prophecy from a trio of witches. With his eyes on the throne occupied by King Duncan (David Thewlis), Macbeth is encouraged by his wife (a mesmerizing Marion Cottilard) to employ treachery and murder and become a tyrant. But as his paranoia grows, the new ruler's own life is threatened. Alternating trenchant monologues with ferocious battlefield sequences, this "Macbeth" is a solid, respectable addition to the screen's many interpretations of the Bard's tragedy.

Netflix Tip: What better way to prepare for "Trumbo" than to discovering the man's work? Check out Netflix for this notorious screenwriter's most famous projects, which include "Roman Holiday" (1953), "The Brave One" (1956), "Spartacus" (1960) and "Exodus" (1960).

On DVD:

Mistress America (Fox): After a healthy dose of vinegar earlier this year with "While We're Young," writer-director Noah Baumbach re-teams with his "Frances Ha" star Greta Gerwig for another fluffy, breezy New York comedy. Gerwig plays Brooke, an outgoing and impulsive young woman who takes Tracy (Lola Kirke), the lonely college freshman who's about to marry her brother, under her wing. Juggling men and jobs while harboring fancy dreams, Brooke glides through Manhattan with a merry nonchalance that dazzles her future sister-in-law, who's trying her best to overcome her own insecurities. Paced with a brittle energy that has reminded critics of classic screwball comedies from the 1930s, Baumbach's portrait of the ups and downs of friendship benefits once again from Gerwig's winning likability.

Amy (Lions Gate): A performer whose extraordinary gifts were often eclipsed by her troubled life, British singer Amy Winehouse is the subject of this stirring, revealing documentary. Chronicling her life from childhood to her death at the age of 27, the movie depicts how her hectic interest in music (particularly combinations of old-school jazz and soul) were formed at an early age. Leading up to the success of her albums "Frank" and "Back to Black" in the 2000s, her career is documented with rehearsals, awards ceremonies, and rare tracks from live performances. At the same time, the film doesn't shy away from the songwriter's more thorny side, taking note of her painful addictions and controversies. Director Asif Kapadia ("Senna") combines interviews with musical footage for a candid, heartbreaking portrait of a tragic artist.

Tabu (Kino): One of cinema’s great early visionaries, German director F.W. Murnau served up his final film with this remarkable 1931 classic, which strikingly combines documentary aspects with metaphysical melodrama. Set in a small island in the South Pacific and enacted by nonprofessionals, the story traces the tragic romance between a pair of natives, a young fisherman named Matahi and a local beauty named Reri. When Reri is picked to be the island’s sacred maiden and their love is deemed taboo, the two decide to run off together—with a ruthless old warrior on their trail. Originally intended as a collaboration between Murnau and famous documentarian Robert J. Flaherty, the film shines with the German filmmaker’s expressionistic obsessions, building up to one of the most unforgettable conclusions in the medium. Not to be missed.

Shepard/Mixed
Pomona, California Adopt-a-Dog

Pet ID #:I1245211

"I am a 3 year old male. I am currently available for adoption. I was rescued as a stray and there is no background information on me. If you are interested in adopting me I am in Kennel #75. Please reference my Control Number I1245211 when making inquiries on me."

Inland Valley Humane Society
500 humane Way
Pomona, CA 91766
(909) 623-9777
info@ivhsspca.org
http://www.ivhsspca.org

Kennel Hours:
Monday - Saturday: 10:00 A.M. - 5:30 P.M.
Wednesday: 10:00 A.M. - 7:00 P.M.

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

[headlines]
--------------------------------------------------------------

Attorneys Who Specialize in
Banking, Finance, and Leasing

Birmingham, Alabama
The lawyers of Marks & Associates, P.C. have over 30 years experience in dealing with virtually every type of equipment financing and are recognized throughout the industry for prompt, practical solutions and exemplary service. They offer cost-conscious, effective lease enforcement and good counsel.
Email: Barry@leaselawyer.com
Website: www.leaselawyers.com

California, National: city: Riverside
Ellen Stern - get results, reasonable pricing; numerous industry contacts, nearly 30 yrs exp.in SoCal, 20 yrs equip.: CFL license specialist, documentation, work-outs, litigated collections, recoveries; deal-maker.
Email: leaselaw@msn.com

Kenneth C. Greene

California
Leasing and Financial consultant, active in several leasing
associations, as well as involved in music and film production inLA. Mention "Leasing News" for a free consultation.
818.575.9095
Skype: 424.235.1658
ken@kengreenelaw.com

Connecticut, Southern New England:
EVANS, FELDMAN & BOYER, LLC Collections, litigation, documentation, portfolio sales and financing, bankruptcy. We represent many of the national and local leasing companies doing business in this state. Past chairman EAEL legal committee. Competitive rates.
email: rcfeldman@snet.net

Los Angeles/Santa Monica
Hemar & Associates, Attorneys at Law
Specialists in legal assistance, including debt collection, equipment recovery, litigation for 35 years. Fluent in Spanish.
Tel: 310-829-1948
email: phemar@hemar.com

Los Angeles, Southern CA
Seasoned attorney representing secured creditors in auto finance and truck/equipment lease industry. Bankruptcy and State Court litigation. Vincent V. Frounjian (818) 990-0605or email: vvf@pacbell.net.

Encino, California: Statewide “ELFA”
Hemar, Rousso & Heald, LLP 30 yr excellent reputation Lessor representation commercial litigation, debt collection, and bankruptcy.
Call Stephen E. Jenkins Esq (818) 501-3800

Los Angeles, Statewide: CA. "ELFA" Aggressive creditors rights law firm specializing in equipment leasing handling collection matters on a contingency, fixed fee or hourly cbasis. email:RGarwacki@prodigy.net

Los Angeles, Statewide: CA "ELFA"
Practice limited to collections, bankruptcy and problem accounts resolution. Decades of experience. 10-lawyer firm dedicated to serving you. Call Ronald Cohn, Esq. (818)591-2121 or email. Email: rrcohn@aol.com

Los Angeles- Statewide, CA
Lawyer specializing in banking and leasing issues statewide. Documents and litigation.
Tom McCurnin, Barton, Klugman & Oetting. Voice: (213) 617-6129
Cell:(213) 268-8291
Email:
tmccurnin@bkolaw.com

California & National
Paul Bent – More than 35 years experience in all forms of equipment leasing, secured lending, and asset based transactions. Financial analysis, deal structuring, contract negotiations, documentation, private dispute resolution, expert witness services.
(562) 426-1000
www.paulbentlaw.com
pbent@paulbentlaw.com

Illinois
Trabaris, P.C.: Finance attorney with 24 years’ experience with transactional, documentation, secured financing and workouts /restructurings.
Kevin Trabaris
Phone:(847)840-4687
Email: kevin@trabaris.com
Website: www.trabaris.com.
Blog: trabaris.com/info/blog/

Law Firm - Service, Dallas, TX. "ELFA"
Mayer regularly practices in leasing, secured financing, project development and finance and corporate finance.
email: dmayer@pattonboggs.com
Website: www.pattonboggs.com

Massachusetts (collection/litigation coast to coast)
Modern Law Group focuses its practice on collections, lease enforcement and asset recovery. For the past five years, our attorneys have helped clients recover millions of dollars. We are able to cover your needs coast to coast.
Email phone 617-855-9085www.modernlawgroup.com

Michael J. Witt, experienced bank, finance, and leasing attorney, also conducts Portfolio Audits. Previously he was Managing Counsel, Wells Fargo & Co. (May, 2003 – September, 2008); Senior Vice President & General Counsel, Advanta Business Services (May, 1988 – June, 1997) Tel: (515) 223-2352 Cell: (515) 868-1067
E-mail: MWitt@Witt-Legal.com
Web: www.witt-legal.com

National: The OMEGA Network Group-nationwide legal representation of small and mid ticket equipment lessors-flat fee bankruptcy & replevin, contingent collection,
billable litigation (704-969-3280)
tong_92@yahoo.com

National: Coston & Rademacher: Business attorneys serving the lease-finance industry since 1980. Transactional, documentation, corporate/finance, workouts, litigation, bankruptcy, portfolio management. Chicago-based national practice. Jim Coston, CLP (Members: ELFA, NEFA).
email: Jcoston@costonlaw.com
Website:www.costonlaw.com

St. Louis County , MO. - statewide:
Schultz & Associates LLP., collections, negotiation, and litigation. Also register and pursue recovery on foreign judgments. Contingency and reasonable hourly rates.
Ronald J. Eisenberg, Esq.
(636) 537-4645 x108
reisenberg@sl-lawyers.com
www.sl-lawyers.com

NJ,De,Pa: Specializing in leased equipment/secured transactions. Collections, replevins/workouts reasonable rates. Sergio Scuteri/Capehart & Scratchard, PAsscuteri@capehart.com / www.capehart.com

New York and New Jersey
Peretore & Peretore, P.C. documentation, portfolio purchase & sale, replevin, workouts, litigation, collection, bankruptcy. Aggressive. Over 25 years experience.www.peretore.com

Thousand Oaks, California:
Statewide coverage Spiwak & Iezza, LLP 20+ years experience,Representing Lessors banks in both State/ Federal Courts/ all aspects of commercial leasing litigation.
Nick Iezza 805-777-1175
niezza@spiwakandiezza.com

(Leasing News provides this ad as a trade for investigative
reporting provided by John Kenny)

News Briefs---

California Sucks for Merchant Cash Advance
By: Sean Murray, Editor, debanked.com
http://debanked.com/2015/12/california-sucks-for-merchant-cash-advance/

What's Ahead For Small Business Lending In 2016?
More Business Loans Submitted by Mobile Devices
http://www.forbes.com/sites/rohitarora/2015/12/09/whats-ahead-in-small-business-lending-in-2016/

Where Small Businesses Struggle
Nav.com Chart
http://cdn.crowdfundinsider.com/wp-content/uploads/2015/12/nav.jpg

Census Bureau Mining Statists in US
Chart by State
http://factfinder.census.gov/faces/tableservices/
jsf/pages/productview.xhtml?src=bkmk

Finance & technology giants such as Deutsche Boerse,
JP Morgan, Cisco & IBM join forces as blockchain initiative grows
http://economictimes.indiatimes.com/news/international/business/finance-technology-giants-such-as-deutsche-boerse-jp-morgan-cisco-ibm-join-forces-as-blockchain-initiative-grows/articleshow/50225279.cms

Injured Bald Eagle Saved in his New Jersey Backyard by
Drew Daly, Financial Solution Specialist at Presidio
http://newyork.cbslocal.com/2015/12/10/bald-eagle-rescued-pittstown-new-jersey/

[headlines]
--------------------------------------------------------------

--You May Have Missed It

Jordan Smith Reacts to Winning 'The Voice' Season 9
https://www.yahoo.com/celebrity/video/jordan-smith-reacts-winning-voice-231900546.html?ref=gs

[headlines]
--------------------------------------------------------------

SparkPeople--Live Healthier and Longer

The Benefits of Berries
Red, Black & Blue are Berry Good for You!
http://www.sparkpeople.com/resource/nutrition_articles.asp?id=878

[headlines]
--------------------------------------------------------------

Football Poem

Hey nonny no!
Men are fools that wish to die!
Is't not fine to dance and sing
When the bells of death do ring?
Isn’t not fine to swim in wine,
And turn upon the toe
And sing hey nonny no,
When the winds blow and the seas flow?
Hey nonny no!
-Anonymous (17th century)-

[headlines]
--------------------------------------------------------------

Sports Briefs----

Tom Brady still popular: QB tops Pro Bowl voting
http://www.nfl.com/news/story/0ap3000000603469/article/tom-brady-still-popular-qb-tops-pro-bowl-voting

Speculation emerges of a 49ers sale
Talk is Potential Purchaser Larry Ellison
http://profootballtalk.nbcsports.com/2015/12/16/speculation-emerges-of-a-49ers-sale/

[headlines]
--------------------------------------------------------------

California Nuts Briefs---

Facebook pays employees $10,000 bonus to live near office
http://nypost.com/2015/12/17/facebook-pays-employees-10000-bonus-to-live-near-office/

[headlines]
--------------------------------------------------------------

“Gimme that Wine”

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

E. & J. Gallo Winery Buys The Ranch Winery, Tripling Capacity in Napa
http://www.winebusiness.com/content/file/Project_Rooster_
Announcement%281%29.pdf

Free Mobile Wine Program
http://leasingnews.org/archives/Feb2010/2_26.htm#mobile

Wine Prices by vintage
http://www.winezap.com
http://www.wine-searcher.com/

US/International Wine Events
http://www.localwineevents.com/

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

[headlines]
----------------------------------------------------------------

    1607 - Captain John Smith and two companions were captured by Indians while in search of provisions. His companions were killed, but he was spared, Smith reported, by the intercession of Pocahontas, Chief Powhatan's daughter. The Indian population of what was to become the U.S. was about 10,000,000 when European exploration began. The estimated European population in the colonies was 210. Because the pattern of settlement here differed from that of the Spanish penetration of Central and South America, the change in customs of the Indians was, at first, comparatively slow. Pioneer groups of European colonists were small. They entered regions with sparser populations and more fluid cultures than the larger and more stable Indian communities of Central America, the Andes, and the Caribbean Islands. Contact was sometimes mutually beneficial, but there was no fusion of European and Indian cultures as occurred in South America. In retrospect, the first decade of the seventeenth century was the twilight of aboriginal Indian life.
    1777 - The Continental Congress authorized a National day of thanksgiving to celebrate the surrender of Lieutenant General John Burgoyne on October, 1777 at Saratoga (now Schuylerville), NY. This is considered the first national holiday declared by Congress. In 1789, President Washington changed the date to make it an annual general thanksgiving day. President Abraham Lincoln set aside the fourth Thursday in November for an annual nationwide observance. It was the result of a long campaign by Sarah Joseph Hale, the editor of the popular magazine at the time, “Godey’s Lady’s Book”. The holiday was moved forward to the third Thursday in November in 1939 to accommodate merchants who wanted more time for the pre-Christmas shopping rush, but was returned to its traditional spot two years late.
    1787 - New Jersey became the third state to ratify the Constitution (following Delaware and Pennsylvania). It did so unanimously. In 1664, when the British colonized the area, they named New Jersey after Jersey, one of the British Channel Islands. New Jersey’s many truck farms, orchards and flower gardens gave the state its nickname: The Garden State. Trenton, the capital of New Jersey, and once the capital of the new nation, was the locale of Washington’s famous Revolutionary War victory. He turned the tide when he led his forces across the Delaware River at Trenton. The New Jersey state flower is the purple violet, the state bird, the eastern goldfinch, and the state motto: "Liberty and Prosperity."
http://memory.loc.gov/ammem/today/dec18.html
    1796 - The first Sunday newspaper was published, the “Sunday Monitor” of Baltimore, MD, by Philip Edwards, consisting of four pages 10.25 by 17 inches.
    1799 - George Washington's body was interred at his Mount Vernon home.
    1813- British take Fort Niagara in the War of 1812
http://www.oldfortniagara.org/oldamericanhistory.htm#
THE%20CAPTURE%20OF%20FORT%20NIAGARA
    1836 - Emory College was chartered in Oxford, GA, under Methodist auspices. In 1915, it changed its name to Emory University and in 1919, the campus was relocated in Atlanta, GA.
http://www.emory.edu/COLLEGE/about/index.html
http://www.oldfortniagara.org/
    1839 - 1st celestial photograph (the moon) made in US, John Draper, New York NY
http://www.virtualology.com/johnwilliamdraper
   1849 - William Bond obtains first photograph of the Moon through a telescope.
http://www.famousamericans.net/williamcranchbond/
http://www.netaxs.com/~mhmyers/moon.tn.html
   1861 - Edward MacDowell (d. 1908) was born at New York, NY.   He was a composer of orchestral and piano compositions and songs who was awarded a music Professorship at Columbia University.
    1865 - “Neither slavery nor involuntary servitude, save as a punishment for crime whereof the party shall have been duly convicted, shall exist in the United States, or any place subject to their jurisdiction.” Slavery was abolished throughout the United States with the ratification of the 13th amendment. On December 2, the adoption of the Thirteenth Amendment, prohibiting slavery, became a certainty when Alabama became the 27th state to ratify it, raising state ratification to the necessary two-thirds. The official declaration of ratification was issued this day in 1865.
    1881 - Gladys Rowena Henry Dick (d. 1963) birthday, born Pawnee, Nebraska. U.S. microbiologist and physician who lost out on the Nobel Prize because she and her husband patented the Dick test for scarlet fever (to protect its purity and not for money). The couple made important contributions to the prevention of scarlet fever which was endemic throughout the world at that time, including the Dick test - the usage of which immediately spread throughout the world. Gladys Dick was the founder of the Cradle Society, probably the first professional organization devoted to the adoption of children.
http://search.biography.com/print_record.pl?id=14229
   1886 - Tyrus Raymond “Ty” Cobb (d 1961) was born at Narrows, GA. Among baseball’s greatest players and perhaps its meanest, too, Cobb compiled a career batting average of .367, the best ever. Cobb is widely credited with setting 90 MLB records during his career and he was inducted into the inaugural Hall of Fame class in 1936, receiving the most votes in the class. In 1999, The Sporting News ranked Ty Cobb 3rd on their list of "Baseball's 100 Greatest Players". He played 24 years, in over 3,000 games, and held the MLB record for most career hits, 4,191, until Pete Rose broke it 1985.
    1897 - Jazz bandleader/arranger for Benny Goodman and others, Fletcher Henderson (d. 1952) birthday, Cuthbert, GA.
http://www.redhotjazz.com/fletcher.html
    1917 - The Eighteenth Amendment to the U.S. Constitution, outlawing the manufacture, sale, or transportation of alcoholic liquors, was passed by Congress and submitted to the states for ratification. It was ratified on January 29, 1919 and repealed in 1933.
    1917 - Birthday of Eddie “Cleanhead” Vinson (d. 1975), Houston, TX. http://www.houstonbluessociety.org/cleanheadvinson.html
http://www.fantasyjazz.com/catalog/vinson_e_cat.html
http://www.fantasyjazz.com/catalog/vinson_e_cat.html
    1928 - Birthday of tenor Harold Land (d. 2001), Houston, Texas. http://members.tripod.com/~hardbop/land.html http://shopping.yahoo.com/shop?d=product&id=
1927005924&clink=dmmu.artist&a=b
http://www.amazon.com/exec/obidos/ASIN/B000000Y9A/inktomi-musicasin-20/
104-3547695-1517507
    1929 - Birthday of guitarist Barry Galbraith (d. 1983), Pittsburgh, PA.
http://www.classicjazzguitar.com/artists/artists_page.jsp?artist=14
    1929 - Birthday of drummer Nick Stabulas (d. 1973), New York City
    1932 - The first NFL indoor playoff. The NFL held a postseason playoff game indoors with the Chicago Bears defeating the Portsmouth (OH) Spartans, 9-0. The intended site of the game, Wrigley Field, was so frozen that officials moved the game to Chicago Stadium. The field was 80 yards long, and the goal posts were set on the goal lines instead of at the back of the end zones.
    1934 - Willie Smith sang with Jimmy Lunceford and his orchestra on "Rhythm is Our Business" on Decca Records (serial number 369).
    1935 - In her debut at the Metropolitan Opera in New York, Australian soprano Marjorie Lawrence, singing the role of Brunnhilde in “Die Gotterdammerung”, sent her horse through a ring of real flames burning on the stage. This was the first time this effect had ever been attempted by an opera singer during a performance.
    1935 - A $1 silver certificate was issued and was the first currency to depict the both sides of the Great Seal of the United States.    1936 - Su-Lin, a giant panda, was imported from China by Mrs. William H. Harkness, Jr. on the President McKinley. It weighed about five pounds when it arrived at San Francisco, California, this day. Su-Lin died on April 1, 1938, in the Brookfield Zoo, Chicago, IL, which had purchased it for $8,750.44. Giant pandas, tough bearlike in appearance, are related to raccoons. They were first discovered in China in November, 1936.
    1941 - Birthday of trumpet player Leo Smith, Leland, MS
http://shoko.calarts.edu/~wls/pages/bio.html
    1941 - Japanese troops land in Hong Kong and a slaughter ensues. A week of air raids over Hong Kong, a British crown colony, was followed up on December 17 with a visit paid by Japanese envoys to Sir Mark Young, the British governor of Hong Kong. The envoys' message was simple: The British garrison there should simply surrender to the Japanese--resistance was futile. The envoys were sent home with the following retort: "The governor and commander in chief of Hong Kong declines absolutely to enter into negotiations for the surrender of Hong Kong. …" The first wave of Japanese troops landed in Hong Kong with artillery fire for cover and the following order from their commander: "Take no prisoners." Upon overrunning a volunteer antiaircraft battery, the Japanese invaders roped together the captured soldiers and proceeded to bayonet them to death. Even those who offered no resistance, such as the Royal Medical Corps, were led up a hill and killed. The Japanese quickly took control of key reservoirs, threatening the British and Chinese inhabitants with a slow death by thirst. The Brits finally surrendered control of Hong Kong on Christmas Day.
    1943 - Keith Richards Birthday, Kent, England. Guitarist with the Rolling Stones.
http://www.rollingstone.com/artists/default.asp?afl=ses&oid=893
    1944 - The U.S. Supreme Court ruled that the army’s removal of Japanese-Americans from the West Coast early in 1942 was constitutional at the time it was carried out, but that citizens must be permitted to return to their homes when their loyalty to U.S. was established. The tribunal acted in two cases. It upheld the constitutionality of the removal program by a 6 to 3 decision, and was unanimous in holding that loyal citizens should be released. The ruling came one day after the War Department announced that loyal citizens of Japanese ancestry would be permitted to return to their former homes after 33 months of enforced absence in relocation centers.
    1947 - Birthday of producer, director Steven Spielberg, Cincinnati, OH
    1947 - Top Hits
“Civilization” - Louis Prima
“How Soon” - Jack Owens
“White Christmas” - Bing Crosby
“I’ll Hold You in My Heart (Till I Can Hold You in My Arms)” - Eddy Arnold
    1952 - Sugar Ray Robinson announced his plans to retire as Middleweight Boxing Champion in order to pursue a career as a dancer and an entertainer.
    1953 - WPTZ, in Philadelphia, Pennsylvania presented a Fels laundry detergent commercial, the first color telecast viewed on a local station.
    1955 - Top Hits
“I Hear You Knocking” - Gale Storm
“Love and Marriage” - Frank Sinatra
“Nuttin’ for Christmas” - Barry Gordon
“Sixteen Tons” - Tennessee Ernie Ford
    1956 - “To Tell the Truth” premiered on television. This long-running popular game show was a production of the Mark Goodson-Bill Todman team. A celebrity panel (and the home audience) tried to guess which of three guests claiming to be the same person was telling the truth. Panelists took turns questioning the guests, and, at the conclusion, the identity of the person was revealed. Hosts have included Bud Collyer, Garry Moore, Joe Garagiola, Robin Ward, Gordon Elliott and Alex Trebek. Celebrity panelists included Dick Van Dyke, Tom Poston, Peggy Cass, Kitty Carlisle and Bill Cullen.
    1957 - The movie “The Bridge on the River Kwai”, starring Alec Guinness and directed by David Lean, premiered in New York. It later won Academy Awards for Best Picture, Best Actor, Best Director, Best Cinematography, Best Musical Score, and Best Film Editing.
    1961 - The Tokens had their first #1 hit single with "The Lion Sleeps Tonight", "Wimoweh" for purists. It stayed at the top spot for four weeks in a row.
    1963 - Top Hits
“Dominique” - The Singing Nun
“Louie Louie” - The Kingsmen
“Since I Fell for You” - Lenny Welch
“Love’s Gonna Live Here” - Buck Owens
    1971 - The Capital Reef National Park was established as a national park. It is an area of outstanding geological features, colorful canyons, prehistoric Fremont petroglyphs and Mormon historic fruit orchards and buildings in south central Utah, originally proclaimed a national monument Aug 2, 1937.
www.nps.gov/care
    1971 - Top Hits
“Family Affair” - Sly & The Family Stone
“Brand New Key” - Melanie
“An Old Fashioned Loved Song” - Three Dog Night
“Kiss an Angel Good Mornin’” - Charley Pride
    1972 - Helen Reddy earned a gold record for the song that became the anthem for women’s liberation, "I Am Woman", which had reached number one on December 9, 1972.
    1972 - Following the breakdown of peace talks with North Vietnam just a few days earlier, President Richard Nixon announces the beginning of a massive bombing campaign to break the stalemate. For nearly two weeks, American bombers pounded North Vietnam. On December 13, peace talks between the United States and North Vietnam collapsed. Beginning on December 18, American B-52s and fighter-bombers dropped over 20,000 tons of bombs on the cities of Hanoi and Haiphong. The United States lost 15 of its giant B-52s and 11 other aircraft during the attacks. North Vietnam claimed that over 1,600 civilians were killed. The bombings continued until December 29, at which time the North Vietnamese agreed to resume the talks
    1979 - Top Hits
“Babe” - Styx
“Still” - Commodores
“Please Don’t Go” - K.C. & The Sunshine Band
“Happy Birthday Darlin’” - Conway Twitty
    1981 - Rod Stewart performed a concert at the Los Angeles Forum, in California, that was both televised to 23 countries and carried over FM radio stations in the United States. His total audience was about 35 million.
    1982 - Daryl Hall and John Oates had their 5th #1 on the music charts with "Maneater". The song stayed at the top spot for four weeks, becoming Hall and Oates’ most popular hit.
    1985 - "Beverly Hills Cop" became the year's top movie grosser with $229.9 million in tickets sales. Michael J. Fox's "Back to the Future" was second, followed in third by "Rambo: First Blood, Part 2", starring Sylvester Stallone.
    1987 - Ivan Boesky, the Wall Street financier who played a key role in the biggest insider trading scheme in United States history, was jailed for three years.
    1987 - Top Hits
“Faith” - George Michael
“Is This Love” - Whitesnake
“So Emotional” -Whitney Houston
“The Last One to Know” - Reba McEntire
    1991 – GM announced the closing of 21 plants
    1997 - Jody Conradt, coach of the women's basketball team at the University of Texas at Austin became the winningest women's basketball coach in history and joined Bob Knight of Indiana University as the only active coach to have won 700 games (and did get the big party treatment). She is only the eighth coach in history to win 700 games. Pat Summitt of Tennessee, who has coached many a national championship teams was second with 636 victories. Conradt, who has coached at UT for 22 years and coached their national championship team in 1986, received a hug from each of her players, shared cookies, and commemorative chocolate bars. Five years and three months later - 04-06-2003 - Conradt led her Texas team to within two points of the NCAA championship (UConn scored the winning basket with only second to go to edge Texas). During the 2002-03 season, Conradt went over the 800 victories mark and now is second to Summit who reached that mark before Conradt.
http://www.news8austin.com/content/headlines/?ArID=86437&SecID=2
1997 - Chris Farley, comedian and actor, was found dead in his home in Chicago, Illinois. Farley, age 33 and extremely overweight, may have died of a heart attack, but no official cause of death was immediately available. The comic had worked for four years on NBC's “Saturday Night Live”. The media noted that he was the same age as former SNL comedian John Belushi when he died.
    1998 - The United States House of Representatives began debating the impeachment of President Bill Clinton.
    2001 - Filling the void created by Mark McGwire's unexpected retirement, the Cardinals sign first baseman Tino Martinez to a $21 million, three-year contract. After he was replaced in the Yankees lineup by Jason Giambi, the former Bronx Bomber said the Cardinals were his first choice as a free agent.
    2002 - After spending the previous six seasons with the Giants, the 2000 National League MVP Jeff Kent (.313, 37, 108) signs an $18.2 million, two-year contract with the Astros. The 34-year old Texas resident's presence on the team moves four-time second base Gold Glove winner, Craig Biggio to the outfield.
    2002 - Then Governor of California Grey Davis announced that the state would face a record budget deficit of $35 billion, roughly double the figure reported during his reelection campaign one month earlier. This would trigger the recall movement that eventually resulted in removal from office. The resulting election gave the Golden State their first Governator, Arnold Schwarzenegger.
    2011 – Supposedly, The last convoy of U.S. Army soldiers leaves Iraq, formally marking the end of the Iraq War.

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?

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